Home > Commerce Bank > Performance and Condition Ratios
Commerce 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 | 4.9687% | 2,136 |
| Cost of funding earning assets | 2.0539% | 844 |
| Net interest margin | 2.9148% | 3,450 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.7815% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9796% | 2,278 |
| Return on assets (ROA) | 0.9796% | 2,269 |
| Pretax return on assets | 1.0848% | 2,452 |
| Return on Equity (ROE) | 10.1500% | 2,458 |
| Retained earnings to average equity (ytd only) | 3.1268% | 3,238 |
| Net charge-offs to loans | -0.0063% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.1532% | 2,817 |
| Assets per employee ($millions) | 13.0922% | 320 |
| Cash dividends to net income (ytd only)* | 69.1842% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,018 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,392 |
| Noncurrent loans to loans | 0.0431% | 3,415 |
| Net loans and leases to total assets | 81.9600% | 436 |
| Net loans and leases to deposits | 129.6008% | 47 |
| Net loans and leases to core deposits | 251.1145% | 60 |
| Total domestic deposits to total assets | 63.2400% | 4,411 |
| Equity capital to assets | 9.7237% | 2,181 |
| Core capital (leverage) ratio | 11.6541% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7414% | 1,613 |
| Memoranda: | ||
| Average total assets | $252,764,600 | 2,666 |
| Average earning assets | $246,703,400 | 2,594 |
| Average equity | $24,401,600 | 2,552 |
| Average total loans | $207,147,800 | 2,243 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 1,990 |
| Cost of funding earning assets | 1.9304% | 816 |
| Net interest margin | 3.0034% | 3,335 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 1.8289% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0193% | 2,307 |
| Return on assets (ROA) | 1.0193% | 2,291 |
| Pretax return on assets | 1.1284% | 2,483 |
| Return on Equity (ROE) | 10.5800% | 2,487 |
| Retained earnings to average equity (ytd only) | 3.5077% | 3,383 |
| Net charge-offs to loans | -0.0065% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8431% | 2,740 |
| Assets per employee ($millions) | 11.7464% | 402 |
| Cash dividends to net income (ytd only)* | 66.8407% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 920 |
| Loan loss allowance to noncurrent loans | 3,388.6598% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,408 |
| Noncurrent loans to loans | 0.0467% | 3,420 |
| Net loans and leases to total assets | 82.7900% | 377 |
| Net loans and leases to deposits | 123.6265% | 63 |
| Net loans and leases to core deposits | 231.2446% | 26 |
| Total domestic deposits to total assets | 66.9700% | 4,387 |
| Equity capital to assets | 9.6329% | 2,025 |
| Core capital (leverage) ratio | 12.0775% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2402% | 1,494 |
| Memoranda: | ||
| Average total assets | $250,494,750 | 2,681 |
| Average earning assets | $244,779,500 | 2,611 |
| Average equity | $24,136,750 | 2,557 |
| Average total loans | $204,458,500 | 2,258 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 1,754 |
| Cost of funding earning assets | 1.8130% | 725 |
| Net interest margin | 3.0901% | 3,246 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.8009% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1233% | 2,049 |
| Return on assets (ROA) | 1.1233% | 2,050 |
| Pretax return on assets | 1.2464% | 2,233 |
| Return on Equity (ROE) | 11.6600% | 2,258 |
| Retained earnings to average equity (ytd only) | 4.2042% | 3,158 |
| Net charge-offs to loans | -0.0069% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.0980% | 3,068 |
| Assets per employee ($millions) | 11.5630% | 430 |
| Cash dividends to net income (ytd only)* | 63.9321% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 845 |
| Loan loss allowance to noncurrent loans | 3,219.6078% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,353 |
| Noncurrent loans to loans | 0.0511% | 3,338 |
| Net loans and leases to total assets | 80.8200% | 544 |
| Net loans and leases to deposits | 118.0707% | 107 |
| Net loans and leases to core deposits | 218.1277% | 30 |
| Total domestic deposits to total assets | 68.4500% | 4,397 |
| Equity capital to assets | 10.0332% | 1,839 |
| Core capital (leverage) ratio | 11.7787% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5110% | 1,423 |
| Memoranda: | ||
| Average total assets | $251,768,000 | 2,684 |
| Average earning assets | $246,335,667 | 2,604 |
| Average equity | $24,261,667 | 2,554 |
| Average total loans | $203,440,333 | 2,264 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 1,425 |
| Cost of funding earning assets | 1.4613% | 915 |
| Net interest margin | 3.4325% | 2,553 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 1.8186% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4159% | 1,364 |
| Return on assets (ROA) | 1.4159% | 1,335 |
| Pretax return on assets | 1.5704% | 1,532 |
| Return on Equity (ROE) | 14.9800% | 1,553 |
| Retained earnings to average equity (ytd only) | 6.3112% | 2,681 |
| Net charge-offs to loans | -0.0039% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.6619% | 3,636 |
| Assets per employee ($millions) | 14.0221% | 245 |
| Cash dividends to net income (ytd only)* | 57.8831% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,045 |
| Loan loss allowance to noncurrent loans | 133.5642% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 430 |
| Noncurrent loans to loans | 1.1842% | 587 |
| Net loans and leases to total assets | 80.8400% | 468 |
| Net loans and leases to deposits | 120.9250% | 78 |
| Net loans and leases to core deposits | 230.3074% | 25 |
| Total domestic deposits to total assets | 66.8500% | 4,474 |
| Equity capital to assets | 9.8059% | 1,929 |
| Core capital (leverage) ratio | 11.3420% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7596% | 1,701 |
| Memoranda: | ||
| Average total assets | $256,240,500 | 2,692 |
| Average earning assets | $251,015,500 | 2,613 |
| Average equity | $24,211,000 | 2,587 |
| Average total loans | $205,390,500 | 2,266 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 1,627 |
| Cost of funding earning assets | 0.8414% | 337 |
| Net interest margin | 3.1930% | 2,882 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.8749% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1772% | 1,869 |
| Return on assets (ROA) | 1.0601% | 2,278 |
| Pretax return on assets | 1.1662% | 2,541 |
| Return on Equity (ROE) | 11.1400% | 2,428 |
| Retained earnings to average equity (ytd only) | 3.9165% | 3,425 |
| Net charge-offs to loans | -0.1444% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.1500% | 3,171 |
| Assets per employee ($millions) | 15.2990% | 193 |
| Cash dividends to net income (ytd only)* | 64.8308% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 959 |
| Loan loss allowance to noncurrent loans | 2,777.1186% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,355 |
| Noncurrent loans to loans | 0.0580% | 3,341 |
| Net loans and leases to total assets | 76.9700% | 899 |
| Net loans and leases to deposits | 91.6225% | 936 |
| Net loans and leases to core deposits | 145.6716% | 107 |
| Total domestic deposits to total assets | 84.0100% | 3,203 |
| Equity capital to assets | 9.1017% | 2,297 |
| Core capital (leverage) ratio | 11.1150% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9549% | 1,642 |
| Memoranda: | ||
| Average total assets | $262,041,200 | 2,655 |
| Average earning assets | $258,127,400 | 2,558 |
| Average equity | $24,945,800 | 2,586 |
| Average total loans | $192,508,600 | 2,290 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 1,564 |
| Cost of funding earning assets | 0.7601% | 188 |
| Net interest margin | 3.1062% | 2,917 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.9695% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0101% | 2,447 |
| Return on assets (ROA) | 1.0101% | 2,411 |
| Pretax return on assets | 1.1183% | 2,664 |
| Return on Equity (ROE) | 10.5000% | 2,570 |
| Retained earnings to average equity (ytd only) | 2.5648% | 3,901 |
| Net charge-offs to loans | -0.1876% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.7829% | 2,580 |
| Assets per employee ($millions) | 13.6849% | 255 |
| Cash dividends to net income (ytd only)* | 75.5656% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 964 |
| Loan loss allowance to noncurrent loans | 2,655.2846% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,794 |
| Noncurrent loans to loans | 0.0622% | 3,431 |
| Net loans and leases to total assets | 78.9800% | 618 |
| Net loans and leases to deposits | 93.3599% | 676 |
| Net loans and leases to core deposits | 151.7550% | 63 |
| Total domestic deposits to total assets | 84.6000% | 3,366 |
| Equity capital to assets | 9.2056% | 2,076 |
| Core capital (leverage) ratio | 10.9156% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8714% | 1,748 |
| Memoranda: | ||
| Average total assets | $262,530,750 | 2,670 |
| Average earning assets | $258,742,500 | 2,581 |
| Average equity | $25,264,250 | 2,609 |
| Average total loans | $189,767,000 | 2,313 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 1,771 |
| Cost of funding earning assets | 0.7028% | 158 |
| Net interest margin | 2.9187% | 3,118 |
| Noninterest income to average assets | 0.0269% | 4,688 |
| Noninterest expense to average assets | 1.9886% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8248% | 2,864 |
| Return on assets (ROA) | 0.8248% | 2,839 |
| Pretax return on assets | 0.9152% | 3,011 |
| Return on Equity (ROE) | 8.4587% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.8964% | 3,120 |
| Net charge-offs to loans | -0.0267% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4833% | 2,175 |
| Assets per employee ($millions) | 12.8874% | 300 |
| Cash dividends to net income (ytd only)* | 53.9367% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,206 |
| Loan loss allowance to noncurrent loans | 936.2229% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 2,369 |
| Noncurrent loans to loans | 0.1685% | 2,850 |
| Net loans and leases to total assets | 69.7223% | 1,318 |
| Net loans and leases to deposits | 81.6174% | 1,273 |
| Net loans and leases to core deposits | 125.4341% | 147 |
| Total domestic deposits to total assets | 85.4258% | 3,391 |
| Equity capital to assets | 9.1921% | 2,239 |
| Core capital (leverage) ratio | 11.0382% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1828% | 1,661 |
| Memoranda: | ||
| Average total assets | $267,931,333 | 2,665 |
| Average earning assets | $264,088,000 | 2,577 |
| Average equity | $26,127,000 | 2,628 |
| Average total loans | $187,080,000 | 2,330 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 1,603 |
| Cost of funding earning assets | 0.6794% | 170 |
| Net interest margin | 2.8852% | 2,892 |
| Noninterest income to average assets | 0.0285% | 4,708 |
| Noninterest expense to average assets | 2.1142% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6812% | 3,122 |
| Return on assets (ROA) | 0.6812% | 3,112 |
| Pretax return on assets | 0.7562% | 3,239 |
| Return on Equity (ROE) | 6.7883% | 3,102 |
| Retained earnings to average equity (ytd only) | 1.3906% | 3,726 |
| Net charge-offs to loans | -0.0433% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6539% | 1,782 |
| Assets per employee ($millions) | 13.2871% | 292 |
| Cash dividends to net income (ytd only)* | 79.5154% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 1,286 |
| Loan loss allowance to noncurrent loans | 983.3876% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 2,484 |
| Noncurrent loans to loans | 0.1622% | 2,995 |
| Net loans and leases to total assets | 70.0932% | 1,017 |
| Net loans and leases to deposits | 84.5504% | 852 |
| Net loans and leases to core deposits | 127.4536% | 105 |
| Total domestic deposits to total assets | 82.9011% | 3,956 |
| Equity capital to assets | 9.6861% | 2,148 |
| Core capital (leverage) ratio | 10.6628% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9969% | 1,794 |
| Memoranda: | ||
| Average total assets | $266,579,500 | 2,685 |
| Average earning assets | $262,583,000 | 2,598 |
| Average equity | $26,752,000 | 2,664 |
| Average total loans | $184,761,500 | 2,339 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 2,399 |
| Cost of funding earning assets | 0.7764% | 228 |
| Net interest margin | 2.8209% | 3,616 |
| Noninterest income to average assets | 0.0723% | 4,674 |
| Noninterest expense to average assets | 1.7231% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9881% | 2,720 |
| Return on assets (ROA) | 0.9898% | 2,780 |
| Pretax return on assets | 1.1140% | 2,917 |
| Return on Equity (ROE) | 9.4486% | 2,739 |
| Retained earnings to average equity (ytd only) | 3.2444% | 3,525 |
| Net charge-offs to loans | -0.0400% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7740% | 3,029 |
| Assets per employee ($millions) | 15.7304% | 185 |
| Cash dividends to net income (ytd only)* | 65.6624% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 1,126 |
| Loan loss allowance to noncurrent loans | 2,142.1429% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 3,040 |
| Noncurrent loans to loans | 0.0777% | 3,542 |
| Net loans and leases to total assets | 66.2778% | 1,441 |
| Net loans and leases to deposits | 78.7137% | 1,327 |
| Net loans and leases to core deposits | 118.8336% | 171 |
| Total domestic deposits to total assets | 84.2011% | 3,506 |
| Equity capital to assets | 10.3823% | 2,291 |
| Core capital (leverage) ratio | 9.6997% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1946% | 1,454 |
| Memoranda: | ||
| Average total assets | $261,570,000 | 2,655 |
| Average earning assets | $256,193,000 | 2,581 |
| Average equity | $27,400,800 | 2,690 |
| Average total loans | $170,086,800 | 2,466 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 2,476 |
| Cost of funding earning assets | 0.7986% | 243 |
| Net interest margin | 2.8312% | 3,706 |
| Noninterest income to average assets | 0.0933% | 4,694 |
| Noninterest expense to average assets | 1.7915% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0703% | 2,650 |
| Return on assets (ROA) | 1.0729% | 2,705 |
| Pretax return on assets | 1.0739% | 3,257 |
| Return on Equity (ROE) | 10.2182% | 2,656 |
| Retained earnings to average equity (ytd only) | 2.0456% | 4,177 |
| Net charge-offs to loans | -0.0358% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5783% | 2,599 |
| Assets per employee ($millions) | 16.0096% | 168 |
| Cash dividends to net income (ytd only)* | 79.9809% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 1,093 |
| Loan loss allowance to noncurrent loans | 24,800.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 2,372 |
| Noncurrent loans to loans | 0.0069% | 4,153 |
| Net loans and leases to total assets | 59.3289% | 2,337 |
| Net loans and leases to deposits | 69.6268% | 2,280 |
| Net loans and leases to core deposits | 96.5414% | 724 |
| Total domestic deposits to total assets | 85.2099% | 3,045 |
| Equity capital to assets | 9.5741% | 3,311 |
| Core capital (leverage) ratio | 10.8452% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5566% | 1,464 |
| Memoranda: | ||
| Average total assets | $260,108,250 | 2,692 |
| Average earning assets | $254,448,250 | 2,615 |
| Average equity | $27,310,000 | 2,721 |
| Average total loans | $167,549,250 | 2,525 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 2,020 |
| Cost of funding earning assets | 0.8664% | 210 |
| Net interest margin | 2.9527% | 3,442 |
| Noninterest income to average assets | 0.0662% | 4,800 |
| Noninterest expense to average assets | 1.8751% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0736% | 2,634 |
| Return on assets (ROA) | 1.0736% | 2,707 |
| Pretax return on assets | 1.0752% | 3,288 |
| Return on Equity (ROE) | 9.8910% | 2,782 |
| Retained earnings to average equity (ytd only) | -0.0808% | 4,521 |
| Net charge-offs to loans | 0.0314% | 1,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 51.8462% | 1,045 |
| Efficiency ratio | 63.5577% | 2,491 |
| Assets per employee ($millions) | 14.4144% | 214 |
| Cash dividends to net income (ytd only)* | 100.8172% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 941 |
| Loan loss allowance to noncurrent loans | 842.0290% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 2,087 |
| Noncurrent loans to loans | 0.2098% | 3,209 |
| Net loans and leases to total assets | 58.9854% | 2,544 |
| Net loans and leases to deposits | 69.6858% | 2,447 |
| Net loans and leases to core deposits | 97.1156% | 756 |
| Total domestic deposits to total assets | 84.6447% | 3,242 |
| Equity capital to assets | 9.9634% | 2,883 |
| Core capital (leverage) ratio | 11.2384% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2786% | 1,269 |
| Memoranda: | ||
| Average total assets | $250,753,333 | 2,738 |
| Average earning assets | $244,930,333 | 2,662 |
| Average equity | $27,216,667 | 2,723 |
| Average total loans | $165,417,000 | 2,549 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 1,019 |
| Cost of funding earning assets | 0.9364% | 187 |
| Net interest margin | 3.3836% | 2,155 |
| Noninterest income to average assets | -0.0151% | 4,953 |
| Noninterest expense to average assets | 1.9532% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3311% | 1,729 |
| Return on assets (ROA) | 1.3311% | 1,817 |
| Pretax return on assets | 1.3311% | 2,484 |
| Return on Equity (ROE) | 11.7138% | 2,122 |
| Retained earnings to average equity (ytd only) | -4.7974% | 4,691 |
| Net charge-offs to loans | 0.1591% | 496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.0606% | 1,431 |
| Efficiency ratio | 59.4705% | 3,093 |
| Assets per employee ($millions) | 13.3396% | 262 |
| Cash dividends to net income (ytd only)* | 140.9548% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 875 |
| Loan loss allowance to noncurrent loans | 501.7513% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 1,719 |
| Noncurrent loans to loans | 0.3585% | 2,796 |
| Net loans and leases to total assets | 61.7182% | 2,316 |
| Net loans and leases to deposits | 75.1683% | 1,996 |
| Net loans and leases to core deposits | 111.9977% | 357 |
| Total domestic deposits to total assets | 82.1067% | 3,872 |
| Equity capital to assets | 10.6501% | 2,132 |
| Core capital (leverage) ratio | 11.4216% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5164% | 992 |
| Memoranda: | ||
| Average total assets | $239,193,500 | 2,805 |
| Average earning assets | $233,243,500 | 2,721 |
| Average equity | $27,181,500 | 2,717 |
| Average total loans | $165,900,500 | 2,544 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 1,231 |
| Cost of funding earning assets | 1.4117% | 123 |
| Net interest margin | 3.1208% | 3,580 |
| Noninterest income to average assets | 0.1486% | 4,552 |
| Noninterest expense to average assets | 2.1446% | 3,839 |
| Loan and lease loss provision to assets | 0.0394% | 3,913 |
| Net operating income to assets | 0.9946% | 2,313 |
| Return on assets (ROA) | 0.9946% | 2,451 |
| Pretax return on assets | 0.9955% | 3,056 |
| Return on Equity (ROE) | 8.0092% | 2,815 |
| Retained earnings to average equity (ytd only) | 1.7060% | 3,946 |
| Net charge-offs to loans | -0.0155% | 4,361 |
| Credit loss provision to net charge-offs | -307.1429% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4502% | 2,306 |
| Assets per employee ($millions) | 11.8387% | 330 |
| Cash dividends to net income (ytd only)* | 78.6999% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,038 |
| Loan loss allowance to noncurrent loans | 286.2305% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 1,394 |
| Noncurrent loans to loans | 0.5936% | 2,214 |
| Net loans and leases to total assets | 75.3902% | 856 |
| Net loans and leases to deposits | 94.2341% | 644 |
| Net loans and leases to core deposits | 152.9820% | 80 |
| Total domestic deposits to total assets | 80.0031% | 4,039 |
| Equity capital to assets | 12.1680% | 1,491 |
| Core capital (leverage) ratio | 11.6912% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2439% | 1,201 |
| Memoranda: | ||
| Average total assets | $218,086,000 | 2,810 |
| Average earning assets | $211,804,200 | 2,736 |
| Average equity | $27,081,400 | 2,671 |
| Average total loans | $180,526,800 | 2,409 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,388 |
| Cost of funding earning assets | 1.5191% | 113 |
| Net interest margin | 3.0535% | 3,853 |
| Noninterest income to average assets | 0.1041% | 4,743 |
| Noninterest expense to average assets | 2.1080% | 3,925 |
| Loan and lease loss provision to assets | 0.0531% | 3,682 |
| Net operating income to assets | 0.9070% | 2,668 |
| Return on assets (ROA) | 0.9070% | 2,802 |
| Pretax return on assets | 0.9083% | 3,360 |
| Return on Equity (ROE) | 7.2665% | 3,104 |
| Retained earnings to average equity (ytd only) | 1.2736% | 4,161 |
| Net charge-offs to loans | -0.0183% | 4,385 |
| Credit loss provision to net charge-offs | -344.0000% | 3,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6810% | 2,089 |
| Assets per employee ($millions) | 11.1462% | 375 |
| Cash dividends to net income (ytd only)* | 82.4728% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,099 |
| Loan loss allowance to noncurrent loans | 116.2828% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 601 |
| Noncurrent loans to loans | 1.3769% | 1,057 |
| Net loans and leases to total assets | 80.7225% | 546 |
| Net loans and leases to deposits | 101.0280% | 493 |
| Net loans and leases to core deposits | 167.2730% | 67 |
| Total domestic deposits to total assets | 79.9011% | 3,884 |
| Equity capital to assets | 12.2020% | 1,572 |
| Core capital (leverage) ratio | 11.9913% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1293% | 1,469 |
| Memoranda: | ||
| Average total assets | $216,373,750 | 2,807 |
| Average earning assets | $210,115,000 | 2,728 |
| Average equity | $27,009,250 | 2,667 |
| Average total loans | $182,531,000 | 2,396 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,371 |
| Cost of funding earning assets | 1.5849% | 123 |
| Net interest margin | 3.1303% | 3,839 |
| Noninterest income to average assets | 0.1317% | 4,646 |
| Noninterest expense to average assets | 2.1308% | 3,968 |
| Loan and lease loss provision to assets | 0.0803% | 3,286 |
| Net operating income to assets | 0.9562% | 2,472 |
| Return on assets (ROA) | 0.9562% | 2,601 |
| Pretax return on assets | 0.9580% | 3,157 |
| Return on Equity (ROE) | 7.6006% | 2,897 |
| Retained earnings to average equity (ytd only) | 1.4548% | 3,953 |
| Net charge-offs to loans | -0.0044% | 3,980 |
| Credit loss provision to net charge-offs | -2,150.0000% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2363% | 2,347 |
| Assets per employee ($millions) | 13.8277% | 207 |
| Cash dividends to net income (ytd only)* | 80.8594% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 1,150 |
| Loan loss allowance to noncurrent loans | 74.5767% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.1113% | 323 |
| Noncurrent loans to loans | 2.0654% | 639 |
| Net loans and leases to total assets | 83.9905% | 255 |
| Net loans and leases to deposits | 107.0113% | 293 |
| Net loans and leases to core deposits | 178.1911% | 54 |
| Total domestic deposits to total assets | 78.4875% | 4,117 |
| Equity capital to assets | 12.2729% | 1,498 |
| Core capital (leverage) ratio | 12.6846% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5875% | 1,604 |
| Memoranda: | ||
| Average total assets | $214,190,667 | 2,798 |
| Average earning assets | $207,842,000 | 2,726 |
| Average equity | $26,945,333 | 2,651 |
| Average total loans | $182,415,667 | 2,382 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,670 |
| Cost of funding earning assets | 1.7093% | 124 |
| Net interest margin | 3.0055% | 4,273 |
| Noninterest income to average assets | 0.0684% | 4,925 |
| Noninterest expense to average assets | 2.4095% | 3,521 |
| Loan and lease loss provision to assets | 0.0304% | 3,398 |
| Net operating income to assets | 0.5430% | 3,767 |
| Return on assets (ROA) | 0.5430% | 3,826 |
| Pretax return on assets | 0.5430% | 4,048 |
| Return on Equity (ROE) | 4.2621% | 3,883 |
| Retained earnings to average equity (ytd only) | -0.4620% | 4,068 |
| Net charge-offs to loans | -0.0045% | 3,827 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7766% | 1,063 |
| Assets per employee ($millions) | 13.1926% | 180 |
| Cash dividends to net income (ytd only)* | 110.8392% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,132 |
| Loan loss allowance to noncurrent loans | 40.9682% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 3.6910% | 118 |
| Noncurrent loans to loans | 3.8465% | 210 |
| Net loans and leases to total assets | 83.8863% | 274 |
| Net loans and leases to deposits | 112.5735% | 154 |
| Net loans and leases to core deposits | 187.5661% | 45 |
| Total domestic deposits to total assets | 74.5169% | 4,619 |
| Equity capital to assets | 12.7586% | 1,581 |
| Core capital (leverage) ratio | 12.8675% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7706% | 1,668 |
| Memoranda: | ||
| Average total assets | $210,664,500 | 2,782 |
| Average earning assets | $204,295,500 | 2,710 |
| Average equity | $26,841,500 | 2,649 |
| Average total loans | $179,258,500 | 2,367 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9471% | 1,616 |
| Cost of funding earning assets | 1.6724% | 216 |
| Net interest margin | 3.2747% | 4,038 |
| Noninterest income to average assets | 0.1516% | 4,734 |
| Noninterest expense to average assets | 2.0675% | 4,408 |
| Loan and lease loss provision to assets | 0.2937% | 578 |
| Net operating income to assets | 0.9549% | 3,000 |
| Return on assets (ROA) | 0.9549% | 3,082 |
| Pretax return on assets | 0.9559% | 3,585 |
| Return on Equity (ROE) | 7.6492% | 3,306 |
| Retained earnings to average equity (ytd only) | 1.1876% | 4,317 |
| Net charge-offs to loans | 0.3604% | 553 |
| Credit loss provision to net charge-offs | 96.1240% | 2,570 |
| Earnings coverage of net charge-offs (x) | 4.0899% | 3,260 |
| Efficiency ratio | 62.3304% | 3,323 |
| Assets per employee ($millions) | 11.0657% | 288 |
| Cash dividends to net income (ytd only)* | 84.4742% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,028 |
| Loan loss allowance to noncurrent loans | 35.4518% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 4.1936% | 90 |
| Noncurrent loans to loans | 4.4487% | 131 |
| Net loans and leases to total assets | 83.6141% | 355 |
| Net loans and leases to deposits | 104.3182% | 365 |
| Net loans and leases to core deposits | 180.0811% | 54 |
| Total domestic deposits to total assets | 80.1530% | 3,947 |
| Equity capital to assets | 12.7240% | 1,691 |
| Core capital (leverage) ratio | 12.5343% | 1,471 |
| Tier 1 risk-based capital ratio | 14.5084% | 3,012 |
| Total risk-based capital ratio | 15.7627% | 2,914 |
| Memoranda: | ||
| Average total assets | $211,120,400 | 2,745 |
| Average earning assets | $204,080,200 | 2,667 |
| Average equity | $26,355,800 | 2,605 |
| Average total loans | $178,974,600 | 2,330 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 1,837 |
| Cost of funding earning assets | 1.5747% | 327 |
| Net interest margin | 3.3193% | 4,058 |
| Noninterest income to average assets | 0.0530% | 5,108 |
| Noninterest expense to average assets | 1.9690% | 4,609 |
| Loan and lease loss provision to assets | 0.5615% | 211 |
| Net operating income to assets | 0.7274% | 3,921 |
| Return on assets (ROA) | 0.7274% | 3,988 |
| Pretax return on assets | 0.7287% | 4,282 |
| Return on Equity (ROE) | 5.8548% | 4,085 |
| Retained earnings to average equity (ytd only) | 0.1980% | 4,728 |
| Net charge-offs to loans | 0.6500% | 248 |
| Credit loss provision to net charge-offs | 101.9473% | 2,216 |
| Earnings coverage of net charge-offs (x) | 2.3425% | 3,206 |
| Efficiency ratio | 60.4142% | 3,557 |
| Assets per employee ($millions) | 11.0713% | 267 |
| Cash dividends to net income (ytd only)* | 96.6181% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,017 |
| Loan loss allowance to noncurrent loans | 24.0880% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 6.1506% | 47 |
| Noncurrent loans to loans | 6.5881% | 58 |
| Net loans and leases to total assets | 84.2851% | 321 |
| Net loans and leases to deposits | 104.8803% | 366 |
| Net loans and leases to core deposits | 195.9765% | 46 |
| Total domestic deposits to total assets | 80.3632% | 3,907 |
| Equity capital to assets | 12.6111% | 1,834 |
| Core capital (leverage) ratio | 12.7164% | 1,478 |
| Tier 1 risk-based capital ratio | 13.2534% | 3,714 |
| Total risk-based capital ratio | 14.5067% | 3,615 |
| Memoranda: | ||
| Average total assets | $211,338,500 | 2,759 |
| Average earning assets | $204,134,250 | 2,684 |
| Average equity | $26,256,750 | 2,621 |
| Average total loans | $179,064,750 | 2,355 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,655 |
| Cost of funding earning assets | 1.5860% | 286 |
| Net interest margin | 3.3479% | 4,034 |
| Noninterest income to average assets | 0.0510% | 5,162 |
| Noninterest expense to average assets | 1.9011% | 4,747 |
| Loan and lease loss provision to assets | 0.8268% | 119 |
| Net operating income to assets | 0.5584% | 4,408 |
| Return on assets (ROA) | 0.5584% | 4,439 |
| Pretax return on assets | 0.5603% | 4,611 |
| Return on Equity (ROE) | 4.5173% | 4,462 |
| Retained earnings to average equity (ytd only) | -0.5427% | 4,772 |
| Net charge-offs to loans | 0.9804% | 146 |
| Credit loss provision to net charge-offs | 99.8858% | 2,007 |
| Earnings coverage of net charge-offs (x) | 1.6758% | 3,002 |
| Efficiency ratio | 57.8161% | 4,037 |
| Assets per employee ($millions) | 11.8622% | 215 |
| Cash dividends to net income (ytd only)* | 112.0135% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,118 |
| Loan loss allowance to noncurrent loans | 34.9834% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 4.2399% | 102 |
| Noncurrent loans to loans | 4.4617% | 138 |
| Net loans and leases to total assets | 83.9152% | 365 |
| Net loans and leases to deposits | 108.2478% | 265 |
| Net loans and leases to core deposits | 197.6471% | 45 |
| Total domestic deposits to total assets | 77.5214% | 4,482 |
| Equity capital to assets | 12.3324% | 1,953 |
| Core capital (leverage) ratio | 12.7456% | 1,427 |
| Tier 1 risk-based capital ratio | 13.9788% | 3,330 |
| Total risk-based capital ratio | 15.2329% | 3,241 |
| Memoranda: | ||
| Average total assets | $211,666,330 | 2,763 |
| Average earning assets | $204,664,000 | 2,689 |
| Average equity | $26,166,330 | 2,625 |
| Average total loans | $178,700,670 | 2,355 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 1,709 |
| Cost of funding earning assets | 1.5303% | 296 |
| Net interest margin | 3.3354% | 4,077 |
| Noninterest income to average assets | 0.0512% | 5,210 |
| Noninterest expense to average assets | 1.8335% | 4,883 |
| Loan and lease loss provision to assets | 0.4081% | 279 |
| Net operating income to assets | 1.0363% | 2,717 |
| Return on assets (ROA) | 1.0363% | 2,757 |
| Pretax return on assets | 1.0363% | 3,322 |
| Return on Equity (ROE) | 8.3731% | 3,085 |
| Retained earnings to average equity (ytd only) | 1.5489% | 4,189 |
| Net charge-offs to loans | 0.0249% | 1,952 |
| Credit loss provision to net charge-offs | 1,954.5455% | 224 |
| Earnings coverage of net charge-offs (x) | 69.1818% | 850 |
| Efficiency ratio | 55.9351% | 4,345 |
| Assets per employee ($millions) | 11.6416% | 223 |
| Cash dividends to net income (ytd only)* | 81.5018% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 835 |
| Loan loss allowance to noncurrent loans | 168.8470% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 978 |
| Noncurrent loans to loans | 1.0139% | 1,645 |
| Net loans and leases to total assets | 83.4588% | 425 |
| Net loans and leases to deposits | 101.9440% | 504 |
| Net loans and leases to core deposits | 174.1902% | 58 |
| Total domestic deposits to total assets | 81.8672% | 3,758 |
| Equity capital to assets | 12.5355% | 1,719 |
| Core capital (leverage) ratio | 13.1296% | 1,210 |
| Tier 1 risk-based capital ratio | 14.6765% | 3,019 |
| Total risk-based capital ratio | 15.9327% | 2,940 |
| Memoranda: | ||
| Average total assets | $210,740,000 | 2,800 |
| Average earning assets | $203,875,000 | 2,726 |
| Average equity | $26,083,500 | 2,634 |
| Average total loans | $177,043,000 | 2,396 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 1,456 |
| Cost of funding earning assets | 1.3031% | 215 |
| Net interest margin | 3.5340% | 3,589 |
| Noninterest income to average assets | 0.5560% | 2,516 |
| Noninterest expense to average assets | 2.1591% | 4,429 |
| Loan and lease loss provision to assets | 0.2383% | 745 |
| Net operating income to assets | 1.5248% | 1,057 |
| Return on assets (ROA) | 1.5248% | 1,038 |
| Pretax return on assets | 1.5258% | 1,693 |
| Return on Equity (ROE) | 12.0903% | 1,685 |
| Retained earnings to average equity (ytd only) | 3.4792% | 3,672 |
| Net charge-offs to loans | 0.0144% | 3,198 |
| Credit loss provision to net charge-offs | 1,991.6667% | 227 |
| Earnings coverage of net charge-offs (x) | 147.4167% | 572 |
| Efficiency ratio | 55.0330% | 4,512 |
| Assets per employee ($millions) | 11.7739% | 213 |
| Cash dividends to net income (ytd only)* | 71.2230% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,000 |
| Loan loss allowance to noncurrent loans | 309.5861% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 1,567 |
| Noncurrent loans to loans | 0.5211% | 2,712 |
| Net loans and leases to total assets | 81.7771% | 682 |
| Net loans and leases to deposits | 107.1687% | 331 |
| Net loans and leases to core deposits | 191.1406% | 44 |
| Total domestic deposits to total assets | 76.3069% | 4,716 |
| Equity capital to assets | 12.2205% | 1,748 |
| Core capital (leverage) ratio | 13.2116% | 1,172 |
| Tier 1 risk-based capital ratio | 14.6568% | 2,989 |
| Total risk-based capital ratio | 15.9117% | 2,912 |
| Memoranda: | ||
| Average total assets | $200,550,200 | 2,863 |
| Average earning assets | $191,085,400 | 2,820 |
| Average equity | $25,293,000 | 2,622 |
| Average total loans | $166,182,800 | 2,473 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 1,444 |
| Cost of funding earning assets | 1.2382% | 206 |
| Net interest margin | 3.5555% | 3,503 |
| Noninterest income to average assets | 0.1039% | 5,202 |
| Noninterest expense to average assets | 2.0589% | 4,629 |
| Loan and lease loss provision to assets | 0.2023% | 856 |
| Net operating income to assets | 1.2186% | 2,158 |
| Return on assets (ROA) | 1.2186% | 2,160 |
| Pretax return on assets | 1.2200% | 2,914 |
| Return on Equity (ROE) | 9.5828% | 2,803 |
| Retained earnings to average equity (ytd only) | 2.0947% | 4,547 |
| Net charge-offs to loans | 0.0204% | 2,729 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 84.3663% | 855 |
| Efficiency ratio | 59.1437% | 3,944 |
| Assets per employee ($millions) | 11.1644% | 235 |
| Cash dividends to net income (ytd only)* | 78.1407% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,184 |
| Loan loss allowance to noncurrent loans | 159.8439% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 2.6946% | 302 |
| Noncurrent loans to loans | 0.9728% | 1,748 |
| Net loans and leases to total assets | 83.8942% | 466 |
| Net loans and leases to deposits | 113.8173% | 188 |
| Net loans and leases to core deposits | 202.3707% | 37 |
| Total domestic deposits to total assets | 73.7096% | 5,005 |
| Equity capital to assets | 12.5210% | 1,570 |
| Core capital (leverage) ratio | 13.1380% | 1,228 |
| Tier 1 risk-based capital ratio | 14.7300% | 3,003 |
| Total risk-based capital ratio | 15.9840% | 2,923 |
| Memoranda: | ||
| Average total assets | $197,705,000 | 2,913 |
| Average earning assets | $187,798,500 | 2,873 |
| Average equity | $25,141,500 | 2,650 |
| Average total loans | $163,690,250 | 2,509 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 1,491 |
| Cost of funding earning assets | 1.1288% | 257 |
| Net interest margin | 3.5771% | 3,398 |
| Noninterest income to average assets | 0.1312% | 5,151 |
| Noninterest expense to average assets | 2.0771% | 4,658 |
| Loan and lease loss provision to assets | 0.3052% | 455 |
| Net operating income to assets | 1.1413% | 2,428 |
| Return on assets (ROA) | 1.1413% | 2,437 |
| Pretax return on assets | 1.1433% | 3,156 |
| Return on Equity (ROE) | 8.9279% | 3,056 |
| Retained earnings to average equity (ytd only) | 1.7347% | 4,551 |
| Net charge-offs to loans | 0.0186% | 2,521 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 94.9333% | 720 |
| Efficiency ratio | 58.9152% | 4,099 |
| Assets per employee ($millions) | 10.5870% | 268 |
| Cash dividends to net income (ytd only)* | 80.5704% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 1,098 |
| Loan loss allowance to noncurrent loans | 160.7336% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 2.7516% | 292 |
| Noncurrent loans to loans | 0.9986% | 1,751 |
| Net loans and leases to total assets | 81.4634% | 777 |
| Net loans and leases to deposits | 114.3046% | 190 |
| Net loans and leases to core deposits | 194.7332% | 40 |
| Total domestic deposits to total assets | 71.2686% | 5,224 |
| Equity capital to assets | 12.4776% | 1,547 |
| Core capital (leverage) ratio | 13.3952% | 1,101 |
| Tier 1 risk-based capital ratio | 14.9987% | 2,875 |
| Total risk-based capital ratio | 16.2533% | 2,793 |
| Memoranda: | ||
| Average total assets | $196,620,330 | 2,938 |
| Average earning assets | $186,577,670 | 2,896 |
| Average equity | $25,134,670 | 2,657 |
| Average total loans | $161,168,330 | 2,538 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 1,383 |
| Cost of funding earning assets | 1.0476% | 298 |
| Net interest margin | 3.6208% | 3,103 |
| Noninterest income to average assets | 0.1544% | 5,092 |
| Noninterest expense to average assets | 2.0046% | 4,838 |
| Loan and lease loss provision to assets | 0.3087% | 415 |
| Net operating income to assets | 1.2698% | 1,743 |
| Return on assets (ROA) | 1.2698% | 1,750 |
| Pretax return on assets | 1.2698% | 2,477 |
| Return on Equity (ROE) | 9.8121% | 2,529 |
| Retained earnings to average equity (ytd only) | 2.2264% | 4,278 |
| Net charge-offs to loans | 0.0404% | 1,727 |
| Credit loss provision to net charge-offs | 937.5000% | 363 |
| Earnings coverage of net charge-offs (x) | 47.9375% | 968 |
| Efficiency ratio | 55.9449% | 4,590 |
| Assets per employee ($millions) | 10.8119% | 253 |
| Cash dividends to net income (ytd only)* | 77.3096% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,208 |
| Loan loss allowance to noncurrent loans | 64.0102% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 4.0326% | 155 |
| Noncurrent loans to loans | 2.4682% | 560 |
| Net loans and leases to total assets | 80.7270% | 828 |
| Net loans and leases to deposits | 116.0165% | 155 |
| Net loans and leases to core deposits | 182.0063% | 46 |
| Total domestic deposits to total assets | 69.5824% | 5,374 |
| Equity capital to assets | 12.9025% | 1,293 |
| Core capital (leverage) ratio | 13.7954% | 919 |
| Tier 1 risk-based capital ratio | 15.5169% | 2,660 |
| Total risk-based capital ratio | 16.7701% | 2,595 |
| Memoranda: | ||
| Average total assets | $194,354,000 | 2,991 |
| Average earning assets | $184,047,000 | 2,952 |
| Average equity | $25,152,500 | 2,679 |
| Average total loans | $158,483,000 | 2,588 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,475 |
| Cost of funding earning assets | 0.8836% | 411 |
| Net interest margin | 3.7010% | 2,794 |
| Noninterest income to average assets | 0.2835% | 4,432 |
| Noninterest expense to average assets | 2.8746% | 2,540 |
| Loan and lease loss provision to assets | 0.0330% | 3,601 |
| Net operating income to assets | 0.8725% | 2,852 |
| Return on assets (ROA) | 0.8725% | 2,874 |
| Pretax return on assets | 0.8736% | 3,997 |
| Return on Equity (ROE) | 6.2849% | 3,633 |
| Retained earnings to average equity (ytd only) | 0.3093% | 4,903 |
| Net charge-offs to loans | 0.0271% | 3,267 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 41.1750% | 1,244 |
| Efficiency ratio | 76.0227% | 1,617 |
| Assets per employee ($millions) | 10.7830% | 252 |
| Cash dividends to net income (ytd only)* | 95.0789% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,349 |
| Loan loss allowance to noncurrent loans | 62.5786% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 4.2124% | 135 |
| Noncurrent loans to loans | 2.4254% | 571 |
| Net loans and leases to total assets | 79.8325% | 982 |
| Net loans and leases to deposits | 108.6080% | 301 |
| Net loans and leases to core deposits | 169.5184% | 64 |
| Total domestic deposits to total assets | 73.5051% | 5,226 |
| Equity capital to assets | 12.9808% | 1,275 |
| Core capital (leverage) ratio | 13.6747% | 917 |
| Tier 1 risk-based capital ratio | 15.4489% | 2,642 |
| Total risk-based capital ratio | 16.7023% | 2,579 |
| Memoranda: | ||
| Average total assets | $181,661,400 | 3,093 |
| Average earning assets | $171,684,400 | 3,051 |
| Average equity | $25,219,000 | 2,662 |
| Average total loans | $147,371,400 | 2,683 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,396 |
| Cost of funding earning assets | 0.8498% | 454 |
| Net interest margin | 3.7404% | 2,614 |
| Noninterest income to average assets | 0.3883% | 3,767 |
| Noninterest expense to average assets | 3.1109% | 1,768 |
| Loan and lease loss provision to assets | 0.0373% | 3,360 |
| Net operating income to assets | 0.7751% | 3,625 |
| Return on assets (ROA) | 0.7751% | 3,673 |
| Pretax return on assets | 0.7766% | 4,416 |
| Return on Equity (ROE) | 5.4865% | 4,328 |
| Retained earnings to average equity (ytd only) | -0.1269% | 5,225 |
| Net charge-offs to loans | 0.0377% | 2,686 |
| Credit loss provision to net charge-offs | 121.9512% | 1,983 |
| Earnings coverage of net charge-offs (x) | 26.5831% | 1,674 |
| Efficiency ratio | 79.2618% | 1,183 |
| Assets per employee ($millions) | 10.3236% | 280 |
| Cash dividends to net income (ytd only)* | 102.3115% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 1,239 |
| Loan loss allowance to noncurrent loans | 49.6242% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 4.9681% | 105 |
| Noncurrent loans to loans | 3.2262% | 363 |
| Net loans and leases to total assets | 78.6186% | 1,176 |
| Net loans and leases to deposits | 99.6147% | 772 |
| Net loans and leases to core deposits | 155.4793% | 98 |
| Total domestic deposits to total assets | 78.9226% | 4,542 |
| Equity capital to assets | 13.5660% | 1,126 |
| Core capital (leverage) ratio | 13.6799% | 973 |
| Tier 1 risk-based capital ratio | 16.2072% | 2,413 |
| Total risk-based capital ratio | 17.4613% | 2,362 |
| Memoranda: | ||
| Average total assets | $178,553,250 | 3,160 |
| Average earning assets | $168,817,750 | 3,114 |
| Average equity | $25,225,000 | 2,685 |
| Average total loans | $144,879,750 | 2,725 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,365 |
| Cost of funding earning assets | 0.8017% | 519 |
| Net interest margin | 3.7571% | 2,447 |
| Noninterest income to average assets | 0.5394% | 2,767 |
| Noninterest expense to average assets | 3.1863% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9005% | 2,910 |
| Return on assets (ROA) | 0.9005% | 2,965 |
| Pretax return on assets | 0.9027% | 3,924 |
| Return on Equity (ROE) | 6.2861% | 3,911 |
| Retained earnings to average equity (ytd only) | 0.3092% | 5,013 |
| Net charge-offs to loans | 0.0571% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.3902% | 1,836 |
| Efficiency ratio | 77.9228% | 1,471 |
| Assets per employee ($millions) | 10.5181% | 262 |
| Cash dividends to net income (ytd only)* | 95.0820% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,349 |
| Loan loss allowance to noncurrent loans | 131.8414% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 3.4859% | 233 |
| Noncurrent loans to loans | 1.1871% | 1,643 |
| Net loans and leases to total assets | 81.8486% | 686 |
| Net loans and leases to deposits | 113.2248% | 207 |
| Net loans and leases to core deposits | 186.1356% | 53 |
| Total domestic deposits to total assets | 72.2886% | 5,437 |
| Equity capital to assets | 14.1292% | 925 |
| Core capital (leverage) ratio | 14.9017% | 652 |
| Tier 1 risk-based capital ratio | 16.3371% | 2,377 |
| Total risk-based capital ratio | 17.5910% | 2,323 |
| Memoranda: | ||
| Average total assets | $176,129,330 | 3,207 |
| Average earning assets | $166,406,000 | 3,162 |
| Average equity | $25,230,330 | 2,688 |
| Average total loans | $143,683,000 | 2,746 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 1,540 |
| Cost of funding earning assets | 0.7902% | 519 |
| Net interest margin | 3.6457% | 2,712 |
| Noninterest income to average assets | 1.0069% | 990 |
| Noninterest expense to average assets | 3.1100% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3387% | 1,142 |
| Return on assets (ROA) | 1.3387% | 1,176 |
| Pretax return on assets | 1.3387% | 2,104 |
| Return on Equity (ROE) | 9.2807% | 2,279 |
| Retained earnings to average equity (ytd only) | 1.9513% | 4,347 |
| Net charge-offs to loans | 0.1417% | 1,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.7000% | 1,874 |
| Efficiency ratio | 69.9074% | 2,909 |
| Assets per employee ($millions) | 9.6199% | 341 |
| Cash dividends to net income (ytd only)* | 78.9744% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 1,253 |
| Loan loss allowance to noncurrent loans | 111.5014% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 3.8046% | 208 |
| Noncurrent loans to loans | 1.4784% | 1,362 |
| Net loans and leases to total assets | 79.8323% | 854 |
| Net loans and leases to deposits | 106.0588% | 320 |
| Net loans and leases to core deposits | 166.9396% | 67 |
| Total domestic deposits to total assets | 75.2717% | 5,311 |
| Equity capital to assets | 14.6000% | 728 |
| Core capital (leverage) ratio | 14.8369% | 638 |
| Tier 1 risk-based capital ratio | 17.2882% | 2,100 |
| Total risk-based capital ratio | 18.5432% | 2,044 |
| Memoranda: | ||
| Average total assets | $174,790,500 | 3,256 |
| Average earning assets | $165,017,000 | 3,206 |
| Average equity | $25,213,500 | 2,699 |
| Average total loans | $141,185,500 | 2,801 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 1,413 |
| Cost of funding earning assets | 0.8086% | 478 |
| Net interest margin | 3.7368% | 2,549 |
| Noninterest income to average assets | 0.0518% | 5,764 |
| Noninterest expense to average assets | 2.6813% | 3,404 |
| Loan and lease loss provision to assets | 0.1611% | 1,533 |
| Net operating income to assets | 0.7122% | 3,730 |
| Return on assets (ROA) | 0.7122% | 3,844 |
| Pretax return on assets | 0.7133% | 4,448 |
| Return on Equity (ROE) | 4.9079% | 4,478 |
| Retained earnings to average equity (ytd only) | 0.3370% | 5,187 |
| Net charge-offs to loans | 0.0197% | 3,662 |
| Credit loss provision to net charge-offs | 1,037.0370% | 370 |
| Earnings coverage of net charge-offs (x) | 56.2963% | 943 |
| Efficiency ratio | 75.4085% | 2,077 |
| Assets per employee ($millions) | 9.8013% | 325 |
| Cash dividends to net income (ytd only)* | 93.1341% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 1,205 |
| Loan loss allowance to noncurrent loans | 82.9713% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 4.1973% | 171 |
| Noncurrent loans to loans | 2.0124% | 892 |
| Net loans and leases to total assets | 79.0430% | 1,040 |
| Net loans and leases to deposits | 100.7820% | 623 |
| Net loans and leases to core deposits | 159.8317% | 83 |
| Total domestic deposits to total assets | 78.4297% | 4,910 |
| Equity capital to assets | 14.2532% | 806 |
| Core capital (leverage) ratio | 14.3807% | 722 |
| Tier 1 risk-based capital ratio | 17.0455% | 2,142 |
| Total risk-based capital ratio | 18.3011% | 2,090 |
| Memoranda: | ||
| Average total assets | $173,833,200 | 3,234 |
| Average earning assets | $162,999,200 | 3,196 |
| Average equity | $25,224,800 | 2,697 |
| Average total loans | $137,400,200 | 2,808 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 1,467 |
| Cost of funding earning assets | 0.8073% | 488 |
| Net interest margin | 3.7161% | 2,656 |
| Noninterest income to average assets | -0.0385% | 5,948 |
| Noninterest expense to average assets | 2.4620% | 4,099 |
| Loan and lease loss provision to assets | 0.2156% | 971 |
| Net operating income to assets | 0.7622% | 3,548 |
| Return on assets (ROA) | 0.7622% | 3,682 |
| Pretax return on assets | 0.7637% | 4,428 |
| Return on Equity (ROE) | 5.2287% | 4,419 |
| Retained earnings to average equity (ytd only) | -0.2641% | 5,406 |
| Net charge-offs to loans | 0.0284% | 3,092 |
| Credit loss provision to net charge-offs | 965.5172% | 425 |
| Earnings coverage of net charge-offs (x) | 43.8573% | 1,168 |
| Efficiency ratio | 71.5436% | 2,642 |
| Assets per employee ($millions) | 9.8639% | 313 |
| Cash dividends to net income (ytd only)* | 105.0501% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,339 |
| Loan loss allowance to noncurrent loans | 171.8954% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 3.4030% | 297 |
| Noncurrent loans to loans | 0.9564% | 2,333 |
| Net loans and leases to total assets | 79.7612% | 921 |
| Net loans and leases to deposits | 107.1144% | 338 |
| Net loans and leases to core deposits | 173.4874% | 62 |
| Total domestic deposits to total assets | 74.4635% | 5,387 |
| Equity capital to assets | 14.2259% | 958 |
| Core capital (leverage) ratio | 14.7958% | 670 |
| Tier 1 risk-based capital ratio | 16.8979% | 2,261 |
| Total risk-based capital ratio | 18.1534% | 2,217 |
| Memoranda: | ||
| Average total assets | $173,185,750 | 3,253 |
| Average earning assets | $162,173,000 | 3,215 |
| Average equity | $25,244,500 | 2,712 |
| Average total loans | $136,295,750 | 2,831 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,474 |
| Cost of funding earning assets | 0.8084% | 472 |
| Net interest margin | 3.7068% | 2,670 |
| Noninterest income to average assets | 0.0082% | 5,985 |
| Noninterest expense to average assets | 2.3700% | 4,426 |
| Loan and lease loss provision to assets | 0.3261% | 518 |
| Net operating income to assets | 0.7756% | 3,423 |
| Return on assets (ROA) | 0.7756% | 3,570 |
| Pretax return on assets | 0.7780% | 4,360 |
| Return on Equity (ROE) | 5.2773% | 4,396 |
| Retained earnings to average equity (ytd only) | -0.2377% | 5,329 |
| Net charge-offs to loans | 0.0852% | 1,992 |
| Credit loss provision to net charge-offs | 491.2281% | 667 |
| Earnings coverage of net charge-offs (x) | 16.6316% | 1,922 |
| Efficiency ratio | 68.2199% | 3,291 |
| Assets per employee ($millions) | 9.3223% | 351 |
| Cash dividends to net income (ytd only)* | 104.5045% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 1,209 |
| Loan loss allowance to noncurrent loans | 122.0888% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 3.9308% | 232 |
| Noncurrent loans to loans | 1.4179% | 1,566 |
| Net loans and leases to total assets | 79.0950% | 1,050 |
| Net loans and leases to deposits | 105.8634% | 374 |
| Net loans and leases to core deposits | 172.0502% | 65 |
| Total domestic deposits to total assets | 74.7142% | 5,446 |
| Equity capital to assets | 15.0707% | 714 |
| Core capital (leverage) ratio | 14.9022% | 629 |
| Tier 1 risk-based capital ratio | 18.1794% | 1,881 |
| Total risk-based capital ratio | 19.4357% | 1,846 |
| Memoranda: | ||
| Average total assets | $171,731,000 | 3,289 |
| Average earning assets | $160,568,000 | 3,262 |
| Average equity | $25,240,000 | 2,719 |
| Average total loans | $133,733,330 | 2,873 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,736 |
| Cost of funding earning assets | 0.7953% | 501 |
| Net interest margin | 3.6281% | 2,980 |
| Noninterest income to average assets | 0.2902% | 4,649 |
| Noninterest expense to average assets | 2.4756% | 4,146 |
| Loan and lease loss provision to assets | 0.4145% | 325 |
| Net operating income to assets | 0.7830% | 3,333 |
| Return on assets (ROA) | 0.7830% | 3,439 |
| Pretax return on assets | 0.7830% | 4,263 |
| Return on Equity (ROE) | 5.3935% | 4,290 |
| Retained earnings to average equity (ytd only) | -0.1745% | 5,135 |
| Net charge-offs to loans | -0.0030% | 4,175 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3981% | 3,558 |
| Assets per employee ($millions) | 9.0243% | 383 |
| Cash dividends to net income (ytd only)* | 103.2353% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 1,431 |
| Loan loss allowance to noncurrent loans | 87.8011% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 4.6290% | 185 |
| Noncurrent loans to loans | 1.9016% | 1,155 |
| Net loans and leases to total assets | 78.8646% | 969 |
| Net loans and leases to deposits | 103.0122% | 460 |
| Net loans and leases to core deposits | 159.8955% | 79 |
| Total domestic deposits to total assets | 76.5585% | 5,352 |
| Equity capital to assets | 14.7579% | 756 |
| Core capital (leverage) ratio | 14.7603% | 651 |
| Tier 1 risk-based capital ratio | 17.6118% | 2,092 |
| Total risk-based capital ratio | 18.8671% | 2,061 |
| Memoranda: | ||
| Average total assets | $173,695,500 | 3,288 |
| Average earning assets | $161,959,000 | 3,258 |
| Average equity | $25,215,500 | 2,728 |
| Average total loans | $133,069,500 | 2,887 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,210 |
| Cost of funding earning assets | 0.7399% | 668 |
| Net interest margin | 3.9123% | 1,987 |
| Noninterest income to average assets | 0.3787% | 4,190 |
| Noninterest expense to average assets | 3.0964% | 2,250 |
| Loan and lease loss provision to assets | 0.3280% | 493 |
| Net operating income to assets | 0.5749% | 4,402 |
| Return on assets (ROA) | 0.5749% | 4,491 |
| Pretax return on assets | 0.5761% | 4,920 |
| Return on Equity (ROE) | 3.9612% | 4,962 |
| Retained earnings to average equity (ytd only) | -0.9274% | 5,645 |
| Net charge-offs to loans | 1.0631% | 182 |
| Credit loss provision to net charge-offs | 40.4076% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.1138% | 4,139 |
| Efficiency ratio | 77.4023% | 2,060 |
| Assets per employee ($millions) | 9.2595% | 352 |
| Cash dividends to net income (ytd only)* | 123.4127% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 1,489 |
| Loan loss allowance to noncurrent loans | 76.1613% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 5.8501% | 143 |
| Noncurrent loans to loans | 2.1591% | 934 |
| Net loans and leases to total assets | 71.9070% | 2,072 |
| Net loans and leases to deposits | 89.0668% | 1,735 |
| Net loans and leases to core deposits | 135.2673% | 211 |
| Total domestic deposits to total assets | 80.7338% | 4,558 |
| Equity capital to assets | 14.2824% | 843 |
| Core capital (leverage) ratio | 13.8246% | 865 |
| Tier 1 risk-based capital ratio | 18.3348% | 1,873 |
| Total risk-based capital ratio | 19.5894% | 1,826 |
| Memoranda: | ||
| Average total assets | $175,330,200 | 3,226 |
| Average earning assets | $162,310,000 | 3,224 |
| Average equity | $25,446,800 | 2,657 |
| Average total loans | $133,858,800 | 2,819 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,320 |
| Cost of funding earning assets | 0.7254% | 734 |
| Net interest margin | 3.8789% | 2,100 |
| Noninterest income to average assets | 0.5845% | 2,824 |
| Noninterest expense to average assets | 2.6304% | 3,771 |
| Loan and lease loss provision to assets | 0.1142% | 1,977 |
| Net operating income to assets | 1.4278% | 1,050 |
| Return on assets (ROA) | 1.4278% | 1,097 |
| Pretax return on assets | 1.4294% | 1,906 |
| Return on Equity (ROE) | 9.7986% | 2,181 |
| Retained earnings to average equity (ytd only) | 2.2616% | 4,753 |
| Net charge-offs to loans | 0.8453% | 232 |
| Credit loss provision to net charge-offs | 17.5029% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.3664% | 3,681 |
| Efficiency ratio | 63.0197% | 4,401 |
| Assets per employee ($millions) | 9.9642% | 273 |
| Cash dividends to net income (ytd only)* | 76.9189% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 1,692 |
| Loan loss allowance to noncurrent loans | 98.3864% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 5.7506% | 151 |
| Noncurrent loans to loans | 1.6525% | 1,485 |
| Net loans and leases to total assets | 76.1084% | 1,373 |
| Net loans and leases to deposits | 95.0003% | 1,095 |
| Net loans and leases to core deposits | 142.3558% | 154 |
| Total domestic deposits to total assets | 80.1139% | 4,715 |
| Equity capital to assets | 14.4461% | 874 |
| Core capital (leverage) ratio | 14.2384% | 801 |
| Tier 1 risk-based capital ratio | 17.5387% | 2,174 |
| Total risk-based capital ratio | 18.7933% | 2,132 |
| Memoranda: | ||
| Average total assets | $175,180,250 | 3,257 |
| Average earning assets | $162,102,500 | 3,252 |
| Average equity | $25,526,750 | 2,673 |
| Average total loans | $135,168,250 | 2,816 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 1,615 |
| Cost of funding earning assets | 0.7133% | 787 |
| Net interest margin | 3.7632% | 2,465 |
| Noninterest income to average assets | 0.4787% | 3,508 |
| Noninterest expense to average assets | 2.6803% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2751% | 1,390 |
| Return on assets (ROA) | 1.2751% | 1,453 |
| Pretax return on assets | 1.2774% | 2,445 |
| Return on Equity (ROE) | 8.7248% | 2,688 |
| Retained earnings to average equity (ytd only) | 1.6536% | 4,871 |
| Net charge-offs to loans | 0.9047% | 227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.8317% | 3,445 |
| Efficiency ratio | 67.7232% | 3,714 |
| Assets per employee ($millions) | 11.0810% | 188 |
| Cash dividends to net income (ytd only)* | 81.0469% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 1,421 |
| Loan loss allowance to noncurrent loans | 61.4342% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 6.5252% | 136 |
| Noncurrent loans to loans | 2.8872% | 703 |
| Net loans and leases to total assets | 73.5894% | 1,730 |
| Net loans and leases to deposits | 89.5508% | 1,652 |
| Net loans and leases to core deposits | 134.6408% | 214 |
| Total domestic deposits to total assets | 82.1761% | 4,237 |
| Equity capital to assets | 14.3252% | 870 |
| Core capital (leverage) ratio | 14.8376% | 651 |
| Tier 1 risk-based capital ratio | 18.0157% | 2,060 |
| Total risk-based capital ratio | 19.2720% | 2,016 |
| Memoranda: | ||
| Average total assets | $173,788,330 | 3,296 |
| Average earning assets | $160,659,670 | 3,294 |
| Average equity | $25,399,000 | 2,688 |
| Average total loans | $133,970,670 | 2,847 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,467 |
| Cost of funding earning assets | 0.7168% | 786 |
| Net interest margin | 3.7806% | 2,298 |
| Noninterest income to average assets | 0.3836% | 4,130 |
| Noninterest expense to average assets | 2.9506% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9161% | 2,675 |
| Return on assets (ROA) | 0.9161% | 2,793 |
| Pretax return on assets | 0.9161% | 3,827 |
| Return on Equity (ROE) | 6.2048% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.1182% | 4,115 |
| Net charge-offs to loans | 0.5322% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2011% | 2,807 |
| Efficiency ratio | 76.3079% | 2,468 |
| Assets per employee ($millions) | 8.9978% | 364 |
| Cash dividends to net income (ytd only)* | 49.7462% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 995 |
| Loan loss allowance to noncurrent loans | 63.8679% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 7.1907% | 122 |
| Noncurrent loans to loans | 3.2059% | 639 |
| Net loans and leases to total assets | 77.9057% | 943 |
| Net loans and leases to deposits | 98.2988% | 656 |
| Net loans and leases to core deposits | 154.3058% | 88 |
| Total domestic deposits to total assets | 79.2540% | 5,220 |
| Equity capital to assets | 15.0078% | 717 |
| Core capital (leverage) ratio | 15.0713% | 597 |
| Tier 1 risk-based capital ratio | 17.7734% | 2,209 |
| Total risk-based capital ratio | 19.0315% | 2,168 |
| Memoranda: | ||
| Average total assets | $172,034,500 | 3,329 |
| Average earning assets | $158,491,500 | 3,344 |
| Average equity | $25,399,500 | 2,711 |
| Average total loans | $134,542,500 | 2,836 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 1,051 |
| Cost of funding earning assets | 0.8237% | 572 |
| Net interest margin | 4.0065% | 1,880 |
| Noninterest income to average assets | 0.2125% | 5,582 |
| Noninterest expense to average assets | 2.5969% | 4,234 |
| Loan and lease loss provision to assets | -0.3011% | 6,370 |
| Net operating income to assets | 1.5589% | 783 |
| Return on assets (ROA) | 1.5589% | 809 |
| Pretax return on assets | 1.5601% | 1,353 |
| Return on Equity (ROE) | 10.4346% | 1,938 |
| Retained earnings to average equity (ytd only) | 5.6787% | 2,148 |
| Net charge-offs to loans | 0.2285% | 1,842 |
| Credit loss provision to net charge-offs | -171.8213% | 5,602 |
| Earnings coverage of net charge-offs (x) | 7.1856% | 3,072 |
| Efficiency ratio | 67.3485% | 4,006 |
| Assets per employee ($millions) | 9.1111% | 322 |
| Cash dividends to net income (ytd only)* | 45.5774% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 793 |
| Loan loss allowance to noncurrent loans | 57.0576% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 7.5015% | 129 |
| Noncurrent loans to loans | 3.9011% | 491 |
| Net loans and leases to total assets | 75.1841% | 1,387 |
| Net loans and leases to deposits | 92.9365% | 1,191 |
| Net loans and leases to core deposits | 145.2476% | 128 |
| Total domestic deposits to total assets | 80.8984% | 4,771 |
| Equity capital to assets | 14.5236% | 802 |
| Core capital (leverage) ratio | 14.4884% | 703 |
| Tier 1 risk-based capital ratio | 18.6305% | 1,949 |
| Total risk-based capital ratio | 19.8920% | 1,914 |
| Memoranda: | ||
| Average total assets | $166,082,000 | 3,391 |
| Average earning assets | $151,028,400 | 3,428 |
| Average equity | $24,811,800 | 2,683 |
| Average total loans | $127,330,800 | 2,914 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 1,071 |
| Cost of funding earning assets | 0.8454% | 552 |
| Net interest margin | 3.9778% | 1,941 |
| Noninterest income to average assets | 0.1339% | 6,106 |
| Noninterest expense to average assets | 2.6354% | 4,074 |
| Loan and lease loss provision to assets | -0.4057% | 6,510 |
| Net operating income to assets | 1.5067% | 929 |
| Return on assets (ROA) | 1.5067% | 959 |
| Pretax return on assets | 1.5084% | 1,621 |
| Return on Equity (ROE) | 10.0122% | 2,216 |
| Retained earnings to average equity (ytd only) | 10.0122% | 708 |
| Net charge-offs to loans | 0.3135% | 1,272 |
| Credit loss provision to net charge-offs | -168.9189% | 5,533 |
| Earnings coverage of net charge-offs (x) | 4.5912% | 3,418 |
| Efficiency ratio | 70.5014% | 3,418 |
| Assets per employee ($millions) | 9.2009% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1530% | 1,017 |
| Loan loss allowance to noncurrent loans | 67.6888% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 7.3122% | 155 |
| Noncurrent loans to loans | 3.1808% | 803 |
| Net loans and leases to total assets | 76.8965% | 1,109 |
| Net loans and leases to deposits | 98.1377% | 727 |
| Net loans and leases to core deposits | 156.0950% | 84 |
| Total domestic deposits to total assets | 78.3558% | 5,457 |
| Equity capital to assets | 14.6141% | 829 |
| Core capital (leverage) ratio | 15.2261% | 589 |
| Tier 1 risk-based capital ratio | 18.7370% | 1,974 |
| Total risk-based capital ratio | 19.9981% | 1,936 |
| Memoranda: | ||
| Average total assets | $164,324,750 | 3,452 |
| Average earning assets | $148,888,750 | 3,491 |
| Average equity | $24,729,250 | 2,700 |
| Average total loans | $125,884,750 | 2,958 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 1,154 |
| Cost of funding earning assets | 0.8709% | 501 |
| Net interest margin | 3.8912% | 2,210 |
| Noninterest income to average assets | 0.4315% | 4,014 |
| Noninterest expense to average assets | 2.6538% | 4,037 |
| Loan and lease loss provision to assets | -0.6218% | 6,607 |
| Net operating income to assets | 1.8977% | 413 |
| Return on assets (ROA) | 1.8977% | 425 |
| Pretax return on assets | 1.9002% | 686 |
| Return on Equity (ROE) | 12.4794% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.4794% | 379 |
| Net charge-offs to loans | 0.3032% | 1,334 |
| Credit loss provision to net charge-offs | -270.2703% | 5,448 |
| Earnings coverage of net charge-offs (x) | 5.5568% | 2,908 |
| Efficiency ratio | 67.4889% | 4,114 |
| Assets per employee ($millions) | 8.8965% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3866% | 826 |
| Loan loss allowance to noncurrent loans | 29.6379% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 13.2198% | 49 |
| Noncurrent loans to loans | 8.0525% | 126 |
| Net loans and leases to total assets | 74.2602% | 1,407 |
| Net loans and leases to deposits | 91.2047% | 1,249 |
| Net loans and leases to core deposits | 145.8694% | 113 |
| Total domestic deposits to total assets | 81.4215% | 4,836 |
| Equity capital to assets | 15.0449% | 690 |
| Core capital (leverage) ratio | 16.3622% | 425 |
| Tier 1 risk-based capital ratio | 19.5938% | 1,788 |
| Total risk-based capital ratio | 20.8574% | 1,754 |
| Memoranda: | ||
| Average total assets | $160,827,000 | 3,524 |
| Average earning assets | $144,686,000 | 3,586 |
| Average equity | $24,456,330 | 2,715 |
| Average total loans | $122,050,670 | 3,027 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 1,060 |
| Cost of funding earning assets | 0.9137% | 424 |
| Net interest margin | 3.8803% | 2,153 |
| Noninterest income to average assets | 0.9214% | 1,328 |
| Noninterest expense to average assets | 2.8228% | 3,478 |
| Loan and lease loss provision to assets | -0.6381% | 6,681 |
| Net operating income to assets | 2.2052% | 237 |
| Return on assets (ROA) | 2.2052% | 246 |
| Pretax return on assets | 2.2052% | 349 |
| Return on Equity (ROE) | 14.4186% | 874 |
| Retained earnings to average equity (ytd only) | 14.4186% | 368 |
| Net charge-offs to loans | 0.6095% | 610 |
| Credit loss provision to net charge-offs | -138.1215% | 4,892 |
| Earnings coverage of net charge-offs (x) | 3.3923% | 2,690 |
| Efficiency ratio | 64.3023% | 4,813 |
| Assets per employee ($millions) | 7.8644% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7596% | 578 |
| Loan loss allowance to noncurrent loans | 58.0437% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 11.3830% | 85 |
| Noncurrent loans to loans | 4.7544% | 483 |
| Net loans and leases to total assets | 74.4448% | 1,200 |
| Net loans and leases to deposits | 91.8318% | 969 |
| Net loans and leases to core deposits | 139.4849% | 129 |
| Total domestic deposits to total assets | 81.0665% | 5,213 |
| Equity capital to assets | 15.6313% | 583 |
| Core capital (leverage) ratio | 16.4489% | 426 |
| Tier 1 risk-based capital ratio | 20.4873% | 1,588 |
| Total risk-based capital ratio | 21.7555% | 1,556 |
| Memoranda: | ||
| Average total assets | $156,723,500 | 3,612 |
| Average earning assets | $140,090,500 | 3,666 |
| Average equity | $23,969,000 | 2,757 |
| Average total loans | $118,779,000 | 3,096 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 545 |
| Cost of funding earning assets | 1.2905% | 116 |
| Net interest margin | 3.9969% | 1,954 |
| Noninterest income to average assets | 0.2882% | 5,299 |
| Noninterest expense to average assets | 2.8459% | 3,546 |
| Loan and lease loss provision to assets | -0.2547% | 6,643 |
| Net operating income to assets | 1.2755% | 1,317 |
| Return on assets (ROA) | 1.2755% | 1,370 |
| Pretax return on assets | 1.2767% | 2,246 |
| Return on Equity (ROE) | 8.7518% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.7518% | 832 |
| Net charge-offs to loans | 0.1767% | 3,063 |
| Credit loss provision to net charge-offs | -185.9729% | 5,982 |
| Earnings coverage of net charge-offs (x) | 7.4615% | 2,842 |
| Efficiency ratio | 73.5780% | 3,202 |
| Assets per employee ($millions) | 7.8080% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2046% | 366 |
| Loan loss allowance to noncurrent loans | 67.4573% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 12.7171% | 67 |
| Noncurrent loans to loans | 4.7506% | 550 |
| Net loans and leases to total assets | 72.6108% | 1,576 |
| Net loans and leases to deposits | 88.6856% | 1,385 |
| Net loans and leases to core deposits | 134.4954% | 161 |
| Total domestic deposits to total assets | 81.8744% | 4,916 |
| Equity capital to assets | 14.9539% | 678 |
| Core capital (leverage) ratio | 15.9768% | 473 |
| Tier 1 risk-based capital ratio | 20.1159% | 1,625 |
| Total risk-based capital ratio | 21.3882% | 1,588 |
| Memoranda: | ||
| Average total assets | $161,353,400 | 3,541 |
| Average earning assets | $144,512,400 | 3,593 |
| Average equity | $23,515,200 | 2,769 |
| Average total loans | $125,087,800 | 2,935 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 531 |
| Cost of funding earning assets | 1.3127% | 113 |
| Net interest margin | 3.9910% | 1,976 |
| Noninterest income to average assets | 0.2697% | 5,520 |
| Noninterest expense to average assets | 2.7879% | 3,701 |
| Loan and lease loss provision to assets | -0.1320% | 6,660 |
| Net operating income to assets | 1.2017% | 1,632 |
| Return on assets (ROA) | 1.2042% | 1,688 |
| Pretax return on assets | 1.2050% | 2,668 |
| Return on Equity (ROE) | 8.3147% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.3147% | 1,289 |
| Net charge-offs to loans | 0.0839% | 3,750 |
| Credit loss provision to net charge-offs | -201.2500% | 5,903 |
| Earnings coverage of net charge-offs (x) | 16.3256% | 1,811 |
| Efficiency ratio | 72.2541% | 3,356 |
| Assets per employee ($millions) | 7.4040% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4155% | 365 |
| Loan loss allowance to noncurrent loans | 66.1401% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 11.4771% | 100 |
| Noncurrent loans to loans | 5.1640% | 561 |
| Net loans and leases to total assets | 75.3870% | 1,081 |
| Net loans and leases to deposits | 93.0780% | 893 |
| Net loans and leases to core deposits | 144.2190% | 107 |
| Total domestic deposits to total assets | 80.9934% | 5,215 |
| Equity capital to assets | 15.0389% | 710 |
| Core capital (leverage) ratio | 15.3433% | 585 |
| Tier 1 risk-based capital ratio | 19.5599% | 1,849 |
| Total risk-based capital ratio | 20.8434% | 1,803 |
| Memoranda: | ||
| Average total assets | $162,651,750 | 3,561 |
| Average earning assets | $146,257,750 | 3,602 |
| Average equity | $23,556,000 | 2,797 |
| Average total loans | $127,074,000 | 2,926 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 549 |
| Cost of funding earning assets | 1.3750% | 95 |
| Net interest margin | 3.9009% | 2,207 |
| Noninterest income to average assets | 0.2424% | 5,716 |
| Noninterest expense to average assets | 2.7314% | 3,924 |
| Loan and lease loss provision to assets | 0.1079% | 2,994 |
| Net operating income to assets | 0.9052% | 2,762 |
| Return on assets (ROA) | 0.9089% | 2,885 |
| Pretax return on assets | 0.9101% | 3,868 |
| Return on Equity (ROE) | 6.3523% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.3523% | 2,231 |
| Net charge-offs to loans | 0.1241% | 3,135 |
| Credit loss provision to net charge-offs | 111.2500% | 1,993 |
| Earnings coverage of net charge-offs (x) | 10.4625% | 2,152 |
| Efficiency ratio | 72.9214% | 3,318 |
| Assets per employee ($millions) | 8.1230% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3282% | 426 |
| Loan loss allowance to noncurrent loans | 50.3552% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 11.9820% | 102 |
| Noncurrent loans to loans | 6.6095% | 392 |
| Net loans and leases to total assets | 78.5775% | 687 |
| Net loans and leases to deposits | 98.7385% | 500 |
| Net loans and leases to core deposits | 173.1318% | 57 |
| Total domestic deposits to total assets | 79.5814% | 5,698 |
| Equity capital to assets | 14.3463% | 862 |
| Core capital (leverage) ratio | 14.8361% | 640 |
| Tier 1 risk-based capital ratio | 18.2247% | 2,233 |
| Total risk-based capital ratio | 19.5067% | 2,189 |
| Memoranda: | ||
| Average total assets | $165,041,330 | 3,539 |
| Average earning assets | $148,222,670 | 3,594 |
| Average equity | $23,613,670 | 2,806 |
| Average total loans | $128,979,000 | 2,903 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 719 |
| Cost of funding earning assets | 1.4331% | 75 |
| Net interest margin | 3.6839% | 2,923 |
| Noninterest income to average assets | 0.6926% | 2,632 |
| Noninterest expense to average assets | 2.6886% | 4,113 |
| Loan and lease loss provision to assets | 0.0649% | 3,546 |
| Net operating income to assets | 1.2217% | 1,468 |
| Return on assets (ROA) | 1.2289% | 1,552 |
| Pretax return on assets | 1.2289% | 2,478 |
| Return on Equity (ROE) | 8.6002% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.6002% | 1,521 |
| Net charge-offs to loans | 0.3955% | 1,466 |
| Credit loss provision to net charge-offs | 21.4286% | 3,016 |
| Earnings coverage of net charge-offs (x) | 4.2460% | 2,593 |
| Efficiency ratio | 67.6346% | 4,383 |
| Assets per employee ($millions) | 9.6491% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3329% | 484 |
| Loan loss allowance to noncurrent loans | 47.0530% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 13.1185% | 111 |
| Noncurrent loans to loans | 7.0832% | 409 |
| Net loans and leases to total assets | 75.8015% | 862 |
| Net loans and leases to deposits | 93.9642% | 667 |
| Net loans and leases to core deposits | 167.9694% | 59 |
| Total domestic deposits to total assets | 80.6706% | 5,578 |
| Equity capital to assets | 14.6316% | 843 |
| Core capital (leverage) ratio | 14.4528% | 680 |
| Tier 1 risk-based capital ratio | 18.1913% | 2,288 |
| Total risk-based capital ratio | 19.4731% | 2,246 |
| Memoranda: | ||
| Average total assets | $166,332,000 | 3,557 |
| Average earning assets | $148,213,500 | 3,623 |
| Average equity | $23,767,000 | 2,827 |
| Average total loans | $127,442,500 | 2,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 894 |
| Cost of funding earning assets | 1.7234% | 69 |
| Net interest margin | 3.5947% | 4,106 |
| Noninterest income to average assets | 0.3511% | 4,956 |
| Noninterest expense to average assets | 2.7494% | 4,217 |
| Loan and lease loss provision to assets | 0.3338% | 2,027 |
| Net operating income to assets | 0.4270% | 4,980 |
| Return on assets (ROA) | 0.4275% | 5,227 |
| Pretax return on assets | 0.4286% | 5,485 |
| Return on Equity (ROE) | 3.4105% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.4105% | 3,825 |
| Net charge-offs to loans | 1.9245% | 391 |
| Credit loss provision to net charge-offs | 24.2043% | 5,219 |
| Earnings coverage of net charge-offs (x) | 0.5525% | 5,212 |
| Efficiency ratio | 78.3025% | 2,393 |
| Assets per employee ($millions) | 8.8752% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4739% | 433 |
| Loan loss allowance to noncurrent loans | 41.3852% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 14.0130% | 95 |
| Noncurrent loans to loans | 8.3940% | 335 |
| Net loans and leases to total assets | 72.2717% | 1,448 |
| Net loans and leases to deposits | 88.2471% | 1,241 |
| Net loans and leases to core deposits | 163.1473% | 72 |
| Total domestic deposits to total assets | 81.8969% | 5,135 |
| Equity capital to assets | 13.9555% | 1,064 |
| Core capital (leverage) ratio | 13.3815% | 990 |
| Tier 1 risk-based capital ratio | 17.9487% | 2,273 |
| Total risk-based capital ratio | 19.2249% | 2,240 |
| Memoranda: | ||
| Average total assets | $184,551,600 | 3,248 |
| Average earning assets | $162,239,200 | 3,342 |
| Average equity | $23,134,400 | 2,836 |
| Average total loans | $132,240,000 | 2,840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 763 |
| Cost of funding earning assets | 1.7639% | 68 |
| Net interest margin | 3.6751% | 3,901 |
| Noninterest income to average assets | 0.1945% | 6,137 |
| Noninterest expense to average assets | 2.5876% | 4,782 |
| Loan and lease loss provision to assets | 0.3861% | 1,671 |
| Net operating income to assets | 0.4462% | 5,051 |
| Return on assets (ROA) | 0.4470% | 5,295 |
| Pretax return on assets | 0.4484% | 5,602 |
| Return on Equity (ROE) | 3.6582% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.6582% | 4,315 |
| Net charge-offs to loans | 2.1784% | 310 |
| Credit loss provision to net charge-offs | 24.9886% | 4,884 |
| Earnings coverage of net charge-offs (x) | 0.5396% | 5,051 |
| Efficiency ratio | 75.6304% | 2,731 |
| Assets per employee ($millions) | 10.7704% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6933% | 397 |
| Loan loss allowance to noncurrent loans | 26.5531% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 18.6385% | 49 |
| Noncurrent loans to loans | 13.9092% | 109 |
| Net loans and leases to total assets | 70.7560% | 1,769 |
| Net loans and leases to deposits | 86.0359% | 1,597 |
| Net loans and leases to core deposits | 158.9216% | 82 |
| Total domestic deposits to total assets | 82.2401% | 4,936 |
| Equity capital to assets | 13.5911% | 1,313 |
| Core capital (leverage) ratio | 13.0186% | 1,187 |
| Tier 1 risk-based capital ratio | 17.4686% | 2,552 |
| Total risk-based capital ratio | 18.7536% | 2,506 |
| Memoranda: | ||
| Average total assets | $188,532,250 | 3,222 |
| Average earning assets | $165,541,250 | 3,330 |
| Average equity | $23,034,750 | 2,875 |
| Average total loans | $133,735,750 | 2,841 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 815 |
| Cost of funding earning assets | 1.8221% | 63 |
| Net interest margin | 3.6138% | 4,203 |
| Noninterest income to average assets | 0.1052% | 6,650 |
| Noninterest expense to average assets | 2.5029% | 5,126 |
| Loan and lease loss provision to assets | 0.5631% | 1,083 |
| Net operating income to assets | 0.2186% | 5,862 |
| Return on assets (ROA) | 0.2197% | 6,045 |
| Pretax return on assets | 0.2207% | 6,119 |
| Return on Equity (ROE) | 1.8598% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.8598% | 5,269 |
| Net charge-offs to loans | 3.2429% | 170 |
| Credit loss provision to net charge-offs | 24.7395% | 4,533 |
| Earnings coverage of net charge-offs (x) | 0.3439% | 4,907 |
| Efficiency ratio | 76.1770% | 2,714 |
| Assets per employee ($millions) | 10.5675% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5259% | 486 |
| Loan loss allowance to noncurrent loans | 34.0130% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 15.2476% | 96 |
| Noncurrent loans to loans | 10.3663% | 244 |
| Net loans and leases to total assets | 70.8836% | 1,756 |
| Net loans and leases to deposits | 85.0011% | 1,723 |
| Net loans and leases to core deposits | 154.6959% | 97 |
| Total domestic deposits to total assets | 83.3914% | 4,578 |
| Equity capital to assets | 12.8017% | 1,626 |
| Core capital (leverage) ratio | 11.7542% | 1,752 |
| Tier 1 risk-based capital ratio | 16.5467% | 2,890 |
| Total risk-based capital ratio | 17.8300% | 2,830 |
| Memoranda: | ||
| Average total assets | $193,934,330 | 3,167 |
| Average earning assets | $170,679,670 | 3,264 |
| Average equity | $22,906,000 | 2,863 |
| Average total loans | $136,112,000 | 2,814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3316% | 1,040 |
| Cost of funding earning assets | 1.8612% | 68 |
| Net interest margin | 3.4704% | 4,826 |
| Noninterest income to average assets | 0.3342% | 5,188 |
| Noninterest expense to average assets | 2.3573% | 5,606 |
| Loan and lease loss provision to assets | 0.6903% | 765 |
| Net operating income to assets | 0.3263% | 5,566 |
| Return on assets (ROA) | 0.3282% | 5,729 |
| Pretax return on assets | 0.3302% | 5,909 |
| Return on Equity (ROE) | 2.8871% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.8871% | 4,809 |
| Net charge-offs to loans | 4.0616% | 139 |
| Credit loss provision to net charge-offs | 24.7327% | 3,711 |
| Earnings coverage of net charge-offs (x) | 0.3649% | 4,176 |
| Efficiency ratio | 69.8291% | 3,847 |
| Assets per employee ($millions) | 11.0617% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9974% | 369 |
| Loan loss allowance to noncurrent loans | 49.0533% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 15.2308% | 101 |
| Noncurrent loans to loans | 8.1492% | 470 |
| Net loans and leases to total assets | 63.4323% | 2,963 |
| Net loans and leases to deposits | 74.6789% | 3,016 |
| Net loans and leases to core deposits | 151.9709% | 109 |
| Total domestic deposits to total assets | 84.9400% | 4,074 |
| Equity capital to assets | 11.5007% | 2,443 |
| Core capital (leverage) ratio | 11.2041% | 2,107 |
| Tier 1 risk-based capital ratio | 15.5200% | 3,435 |
| Total risk-based capital ratio | 16.8053% | 3,387 |
| Memoranda: | ||
| Average total assets | $201,077,500 | 3,092 |
| Average earning assets | $176,232,000 | 3,205 |
| Average equity | $22,860,000 | 2,867 |
| Average total loans | $138,170,500 | 2,810 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5918% | 975 |
| Cost of funding earning assets | 2.0925% | 68 |
| Net interest margin | 3.4993% | 5,147 |
| Noninterest income to average assets | -0.6692% | 7,287 |
| Noninterest expense to average assets | 2.1497% | 6,384 |
| Loan and lease loss provision to assets | 2.1492% | 244 |
| Net operating income to assets | -1.8624% | 7,002 |
| Return on assets (ROA) | -1.8624% | 7,014 |
| Pretax return on assets | -1.8615% | 6,993 |
| Return on Equity (ROE) | -15.7963% | 6,903 |
| Retained earnings to average equity (ytd only) | -15.7963% | 6,884 |
| Net charge-offs to loans | 2.0619% | 657 |
| Credit loss provision to net charge-offs | 138.2380% | 2,142 |
| Earnings coverage of net charge-offs (x) | 0.1851% | 5,696 |
| Efficiency ratio | 88.1951% | 1,349 |
| Assets per employee ($millions) | 11.2803% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3617% | 284 |
| Loan loss allowance to noncurrent loans | 36.1291% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 17.3449% | 84 |
| Noncurrent loans to loans | 12.0726% | 217 |
| Net loans and leases to total assets | 68.1952% | 2,354 |
| Net loans and leases to deposits | 79.9699% | 2,522 |
| Net loans and leases to core deposits | 167.2792% | 99 |
| Total domestic deposits to total assets | 85.2762% | 3,704 |
| Equity capital to assets | 11.2394% | 2,749 |
| Core capital (leverage) ratio | 10.8311% | 2,409 |
| Tier 1 risk-based capital ratio | 14.3735% | 4,060 |
| Total risk-based capital ratio | 15.6637% | 4,007 |
| Memoranda: | ||
| Average total assets | $210,266,000 | 2,941 |
| Average earning assets | $186,664,800 | 3,007 |
| Average equity | $24,790,600 | 2,603 |
| Average total loans | $158,543,600 | 2,520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7247% | 815 |
| Cost of funding earning assets | 2.1533% | 68 |
| Net interest margin | 3.5714% | 4,890 |
| Noninterest income to average assets | 0.3225% | 5,288 |
| Noninterest expense to average assets | 2.7474% | 4,542 |
| Loan and lease loss provision to assets | 1.4127% | 511 |
| Net operating income to assets | -0.6627% | 6,735 |
| Return on assets (ROA) | -0.6627% | 6,771 |
| Pretax return on assets | -0.6614% | 6,717 |
| Return on Equity (ROE) | -5.5583% | 6,697 |
| Retained earnings to average equity (ytd only) | -5.5583% | 6,619 |
| Net charge-offs to loans | 1.2717% | 1,220 |
| Credit loss provision to net charge-offs | 145.4369% | 2,174 |
| Earnings coverage of net charge-offs (x) | 0.7735% | 5,033 |
| Efficiency ratio | 78.5265% | 2,475 |
| Assets per employee ($millions) | 12.2031% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7851% | 460 |
| Loan loss allowance to noncurrent loans | 48.8977% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 14.2496% | 152 |
| Noncurrent loans to loans | 7.7408% | 587 |
| Net loans and leases to total assets | 70.6645% | 1,950 |
| Net loans and leases to deposits | 83.9557% | 2,008 |
| Net loans and leases to core deposits | 177.5123% | 82 |
| Total domestic deposits to total assets | 84.1689% | 4,147 |
| Equity capital to assets | 12.3735% | 1,985 |
| Core capital (leverage) ratio | 12.2851% | 1,542 |
| Tier 1 risk-based capital ratio | 15.4550% | 3,408 |
| Total risk-based capital ratio | 16.7384% | 3,368 |
| Memoranda: | ||
| Average total assets | $212,071,250 | 2,929 |
| Average earning assets | $188,603,500 | 2,994 |
| Average equity | $25,283,000 | 2,541 |
| Average total loans | $161,984,000 | 2,485 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8051% | 714 |
| Cost of funding earning assets | 2.1616% | 80 |
| Net interest margin | 3.6436% | 4,548 |
| Noninterest income to average assets | 0.2790% | 5,651 |
| Noninterest expense to average assets | 3.1665% | 3,022 |
| Loan and lease loss provision to assets | 1.8089% | 365 |
| Net operating income to assets | -1.4494% | 7,081 |
| Return on assets (ROA) | -1.4494% | 7,096 |
| Pretax return on assets | -1.4484% | 7,047 |
| Return on Equity (ROE) | -12.3080% | 6,992 |
| Retained earnings to average equity (ytd only) | -12.3080% | 6,949 |
| Net charge-offs to loans | 1.3499% | 1,130 |
| Credit loss provision to net charge-offs | 173.2735% | 1,745 |
| Earnings coverage of net charge-offs (x) | 0.3453% | 5,054 |
| Efficiency ratio | 89.7797% | 1,256 |
| Assets per employee ($millions) | 13.0343% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7681% | 480 |
| Loan loss allowance to noncurrent loans | 57.8823% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 13.4415% | 194 |
| Noncurrent loans to loans | 6.5100% | 855 |
| Net loans and leases to total assets | 72.0299% | 1,778 |
| Net loans and leases to deposits | 85.0823% | 1,933 |
| Net loans and leases to core deposits | 179.5930% | 86 |
| Total domestic deposits to total assets | 84.6592% | 4,048 |
| Equity capital to assets | 12.0250% | 2,070 |
| Core capital (leverage) ratio | 11.5792% | 1,854 |
| Tier 1 risk-based capital ratio | 14.9127% | 3,535 |
| Total risk-based capital ratio | 16.1965% | 3,493 |
| Memoranda: | ||
| Average total assets | $213,611,000 | 2,926 |
| Average earning assets | $190,417,330 | 2,989 |
| Average equity | $25,154,330 | 2,542 |
| Average total loans | $165,191,330 | 2,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9940% | 479 |
| Cost of funding earning assets | 2.2204% | 82 |
| Net interest margin | 3.7736% | 3,742 |
| Noninterest income to average assets | 0.2480% | 5,916 |
| Noninterest expense to average assets | 4.4526% | 625 |
| Loan and lease loss provision to assets | 3.8623% | 108 |
| Net operating income to assets | -4.6858% | 7,478 |
| Return on assets (ROA) | -4.6858% | 7,477 |
| Pretax return on assets | -4.6858% | 7,466 |
| Return on Equity (ROE) | -40.2024% | 7,377 |
| Retained earnings to average equity (ytd only) | -40.2024% | 7,359 |
| Net charge-offs to loans | 1.8499% | 698 |
| Credit loss provision to net charge-offs | 265.8599% | 1,184 |
| Earnings coverage of net charge-offs (x) | -0.5669% | 4,816 |
| Efficiency ratio | 122.6925% | 322 |
| Assets per employee ($millions) | 13.4639% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8098% | 485 |
| Loan loss allowance to noncurrent loans | 96.3383% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 11.2918% | 315 |
| Noncurrent loans to loans | 3.9546% | 1,846 |
| Net loans and leases to total assets | 74.6224% | 1,248 |
| Net loans and leases to deposits | 87.1257% | 1,576 |
| Net loans and leases to core deposits | 186.7419% | 87 |
| Total domestic deposits to total assets | 85.6491% | 3,710 |
| Equity capital to assets | 11.0787% | 2,615 |
| Core capital (leverage) ratio | 10.9966% | 2,192 |
| Tier 1 risk-based capital ratio | 13.5464% | 4,394 |
| Total risk-based capital ratio | 14.8306% | 4,338 |
| Memoranda: | ||
| Average total assets | $216,142,500 | 2,921 |
| Average earning assets | $193,659,000 | 2,965 |
| Average equity | $25,192,500 | 2,522 |
| Average total loans | $169,737,500 | 2,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7061% | 1,550 |
| Cost of funding earning assets | 2.5228% | 97 |
| Net interest margin | 3.1834% | 6,305 |
| Noninterest income to average assets | 0.1738% | 6,500 |
| Noninterest expense to average assets | 1.9013% | 7,162 |
| Loan and lease loss provision to assets | 1.8899% | 720 |
| Net operating income to assets | -0.6891% | 6,508 |
| Return on assets (ROA) | -0.6891% | 6,546 |
| Pretax return on assets | -0.6882% | 6,453 |
| Return on Equity (ROE) | -5.6991% | 6,479 |
| Retained earnings to average equity (ytd only) | -5.6991% | 6,355 |
| Net charge-offs to loans | 1.9792% | 1,027 |
| Credit loss provision to net charge-offs | 114.8573% | 3,777 |
| Earnings coverage of net charge-offs (x) | 0.7303% | 5,389 |
| Efficiency ratio | 61.2730% | 5,849 |
| Assets per employee ($millions) | 15.4902% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9387% | 918 |
| Loan loss allowance to noncurrent loans | 51.6363% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 11.0890% | 344 |
| Noncurrent loans to loans | 5.6912% | 1,128 |
| Net loans and leases to total assets | 77.1409% | 1,066 |
| Net loans and leases to deposits | 91.2129% | 1,367 |
| Net loans and leases to core deposits | 193.2268% | 89 |
| Total domestic deposits to total assets | 84.5723% | 4,067 |
| Equity capital to assets | 12.2285% | 1,776 |
| Core capital (leverage) ratio | 11.7285% | 1,712 |
| Tier 1 risk-based capital ratio | 15.1196% | 3,187 |
| Total risk-based capital ratio | 16.3954% | 3,119 |
| Memoranda: | ||
| Average total assets | $227,848,400 | 2,783 |
| Average earning assets | $209,651,200 | 2,760 |
| Average equity | $27,548,400 | 2,339 |
| Average total loans | $189,416,800 | 2,253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 1,475 |
| Cost of funding earning assets | 2.5549% | 116 |
| Net interest margin | 3.2196% | 6,276 |
| Noninterest income to average assets | 0.1561% | 6,748 |
| Noninterest expense to average assets | 1.6635% | 7,458 |
| Loan and lease loss provision to assets | 1.7826% | 704 |
| Net operating income to assets | -0.3169% | 6,441 |
| Return on assets (ROA) | -0.3169% | 6,490 |
| Pretax return on assets | -0.3157% | 6,417 |
| Return on Equity (ROE) | -2.6277% | 6,463 |
| Retained earnings to average equity (ytd only) | -2.6277% | 6,303 |
| Net charge-offs to loans | 1.6639% | 1,187 |
| Credit loss provision to net charge-offs | 127.5548% | 3,195 |
| Earnings coverage of net charge-offs (x) | 1.0496% | 5,010 |
| Efficiency ratio | 53.1400% | 6,878 |
| Assets per employee ($millions) | 15.0446% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8248% | 984 |
| Loan loss allowance to noncurrent loans | 66.8994% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 9.4133% | 455 |
| Noncurrent loans to loans | 4.2225% | 1,727 |
| Net loans and leases to total assets | 78.8713% | 905 |
| Net loans and leases to deposits | 93.2104% | 1,299 |
| Net loans and leases to core deposits | 207.6921% | 83 |
| Total domestic deposits to total assets | 84.6164% | 3,823 |
| Equity capital to assets | 12.2219% | 2,026 |
| Core capital (leverage) ratio | 11.9649% | 1,687 |
| Tier 1 risk-based capital ratio | 14.6643% | 3,414 |
| Total risk-based capital ratio | 15.9382% | 3,378 |
| Memoranda: | ||
| Average total assets | $230,594,750 | 2,775 |
| Average earning assets | $213,020,750 | 2,754 |
| Average equity | $27,805,750 | 2,354 |
| Average total loans | $193,682,250 | 2,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7364% | 1,609 |
| Cost of funding earning assets | 2.6164% | 123 |
| Net interest margin | 3.1200% | 6,550 |
| Noninterest income to average assets | 0.1171% | 7,021 |
| Noninterest expense to average assets | 1.7095% | 7,498 |
| Loan and lease loss provision to assets | 1.1549% | 1,235 |
| Net operating income to assets | 0.1490% | 5,724 |
| Return on assets (ROA) | 0.1490% | 5,842 |
| Pretax return on assets | 0.1498% | 5,884 |
| Return on Equity (ROE) | 1.2410% | 5,883 |
| Retained earnings to average equity (ytd only) | 0.7173% | 5,476 |
| Net charge-offs to loans | 1.5528% | 1,228 |
| Credit loss provision to net charge-offs | 87.5898% | 4,494 |
| Earnings coverage of net charge-offs (x) | 0.9895% | 4,796 |
| Efficiency ratio | 56.7143% | 6,543 |
| Assets per employee ($millions) | 14.4658% | 108 |
| Cash dividends to net income (ytd only)* | 42.1965% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2839% | 1,614 |
| Loan loss allowance to noncurrent loans | 39.1478% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 9.3842% | 457 |
| Noncurrent loans to loans | 5.8340% | 1,107 |
| Net loans and leases to total assets | 79.8197% | 824 |
| Net loans and leases to deposits | 94.2437% | 1,244 |
| Net loans and leases to core deposits | 208.7656% | 85 |
| Total domestic deposits to total assets | 84.6949% | 3,774 |
| Equity capital to assets | 12.0880% | 2,052 |
| Core capital (leverage) ratio | 11.7886% | 1,764 |
| Tier 1 risk-based capital ratio | 14.7243% | 3,319 |
| Total risk-based capital ratio | 15.9921% | 3,278 |
| Memoranda: | ||
| Average total assets | $232,236,670 | 2,777 |
| Average earning assets | $215,639,330 | 2,736 |
| Average equity | $27,880,670 | 2,340 |
| Average total loans | $197,189,000 | 2,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8786% | 1,252 |
| Cost of funding earning assets | 2.6897% | 125 |
| Net interest margin | 3.1889% | 6,323 |
| Noninterest income to average assets | 0.1118% | 7,132 |
| Noninterest expense to average assets | 1.7195% | 7,558 |
| Loan and lease loss provision to assets | 1.2587% | 966 |
| Net operating income to assets | 0.1100% | 5,994 |
| Return on assets (ROA) | 0.1100% | 6,101 |
| Pretax return on assets | 0.1100% | 6,105 |
| Return on Equity (ROE) | 0.9198% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.5318% | 5,613 |
| Net charge-offs to loans | 1.7013% | 1,017 |
| Credit loss provision to net charge-offs | 85.5140% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.9299% | 4,214 |
| Efficiency ratio | 55.6793% | 6,815 |
| Assets per employee ($millions) | 14.2852% | 113 |
| Cash dividends to net income (ytd only)* | 42.1875% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 1,752 |
| Loan loss allowance to noncurrent loans | 34.7079% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 8.8768% | 510 |
| Noncurrent loans to loans | 6.3385% | 998 |
| Net loans and leases to total assets | 85.2881% | 270 |
| Net loans and leases to deposits | 100.8756% | 704 |
| Net loans and leases to core deposits | 218.4927% | 87 |
| Total domestic deposits to total assets | 84.5478% | 3,876 |
| Equity capital to assets | 12.1651% | 1,951 |
| Core capital (leverage) ratio | 12.0016% | 1,650 |
| Tier 1 risk-based capital ratio | 14.4753% | 3,393 |
| Total risk-based capital ratio | 15.7433% | 3,349 |
| Memoranda: | ||
| Average total assets | $232,628,500 | 2,842 |
| Average earning assets | $217,125,500 | 2,777 |
| Average equity | $27,832,000 | 2,383 |
| Average total loans | $201,252,000 | 2,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5793% | 570 |
| Cost of funding earning assets | 2.9430% | 270 |
| Net interest margin | 3.6363% | 4,402 |
| Noninterest income to average assets | 0.1606% | 6,923 |
| Noninterest expense to average assets | 1.5376% | 7,800 |
| Loan and lease loss provision to assets | 1.6423% | 1,393 |
| Net operating income to assets | 0.4674% | 3,866 |
| Return on assets (ROA) | 0.4674% | 3,983 |
| Pretax return on assets | 0.4683% | 4,294 |
| Return on Equity (ROE) | 3.8173% | 4,160 |
| Retained earnings to average equity (ytd only) | -1.2933% | 5,343 |
| Net charge-offs to loans | 1.2051% | 2,044 |
| Credit loss provision to net charge-offs | 146.5378% | 3,230 |
| Earnings coverage of net charge-offs (x) | 1.8833% | 4,313 |
| Efficiency ratio | 42.1469% | 7,822 |
| Assets per employee ($millions) | 14.7934% | 113 |
| Cash dividends to net income (ytd only)* | 133.8803% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 1,616 |
| Loan loss allowance to noncurrent loans | 35.6307% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 8.6589% | 473 |
| Noncurrent loans to loans | 6.2269% | 991 |
| Net loans and leases to total assets | 83.9371% | 440 |
| Net loans and leases to deposits | 98.6440% | 1,041 |
| Net loans and leases to core deposits | 109.9250% | 2,900 |
| Total domestic deposits to total assets | 85.0909% | 3,508 |
| Equity capital to assets | 11.7700% | 2,154 |
| Core capital (leverage) ratio | 11.7555% | 1,781 |
| Tier 1 risk-based capital ratio | 13.8446% | 3,604 |
| Total risk-based capital ratio | 15.1069% | 3,541 |
| Memoranda: | ||
| Average total assets | $221,640,600 | 2,920 |
| Average earning assets | $212,575,800 | 2,803 |
| Average equity | $27,139,400 | 2,436 |
| Average total loans | $206,126,200 | 2,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7425% | 468 |
| Cost of funding earning assets | 2.9644% | 366 |
| Net interest margin | 3.7781% | 3,747 |
| Noninterest income to average assets | 0.0740% | 7,538 |
| Noninterest expense to average assets | 1.5954% | 7,833 |
| Loan and lease loss provision to assets | 1.3561% | 1,421 |
| Net operating income to assets | 0.7723% | 2,928 |
| Return on assets (ROA) | 0.7723% | 2,985 |
| Pretax return on assets | 0.7735% | 3,612 |
| Return on Equity (ROE) | 6.2413% | 3,420 |
| Retained earnings to average equity (ytd only) | -1.0930% | 5,515 |
| Net charge-offs to loans | 1.0306% | 1,914 |
| Credit loss provision to net charge-offs | 138.5866% | 3,572 |
| Earnings coverage of net charge-offs (x) | 2.1764% | 4,196 |
| Efficiency ratio | 42.8290% | 7,868 |
| Assets per employee ($millions) | 13.3178% | 133 |
| Cash dividends to net income (ytd only)* | 117.5120% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 2,086 |
| Loan loss allowance to noncurrent loans | 37.7484% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 6.5512% | 762 |
| Noncurrent loans to loans | 4.9689% | 1,342 |
| Net loans and leases to total assets | 91.7328% | 62 |
| Net loans and leases to deposits | 109.0153% | 497 |
| Net loans and leases to core deposits | 123.2150% | 1,976 |
| Total domestic deposits to total assets | 84.1468% | 3,657 |
| Equity capital to assets | 12.3638% | 2,025 |
| Core capital (leverage) ratio | 12.5874% | 1,546 |
| Tier 1 risk-based capital ratio | 13.8310% | 3,644 |
| Total risk-based capital ratio | 15.0946% | 3,586 |
| Memoranda: | ||
| Average total assets | $217,877,250 | 2,989 |
| Average earning assets | $210,541,250 | 2,849 |
| Average equity | $26,959,500 | 2,473 |
| Average total loans | $206,862,250 | 2,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7778% | 471 |
| Cost of funding earning assets | 3.0245% | 434 |
| Net interest margin | 3.7533% | 3,741 |
| Noninterest income to average assets | 0.0688% | 7,640 |
| Noninterest expense to average assets | 1.6555% | 7,874 |
| Loan and lease loss provision to assets | 0.9254% | 1,822 |
| Net operating income to assets | 1.1273% | 1,675 |
| Return on assets (ROA) | 1.1273% | 1,758 |
| Pretax return on assets | 1.1282% | 2,544 |
| Return on Equity (ROE) | 9.1075% | 2,321 |
| Retained earnings to average equity (ytd only) | -1.8786% | 5,706 |
| Net charge-offs to loans | 1.0611% | 1,698 |
| Credit loss provision to net charge-offs | 91.3682% | 4,880 |
| Earnings coverage of net charge-offs (x) | 2.0275% | 4,075 |
| Efficiency ratio | 44.6339% | 7,903 |
| Assets per employee ($millions) | 14.9872% | 104 |
| Cash dividends to net income (ytd only)* | 120.6271% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 2,964 |
| Loan loss allowance to noncurrent loans | 22.3625% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 6.9135% | 628 |
| Noncurrent loans to loans | 6.9218% | 715 |
| Net loans and leases to total assets | 92.2338% | 50 |
| Net loans and leases to deposits | 109.1368% | 597 |
| Net loans and leases to core deposits | 122.3262% | 2,181 |
| Total domestic deposits to total assets | 84.5121% | 3,499 |
| Equity capital to assets | 11.9911% | 2,213 |
| Core capital (leverage) ratio | 12.5078% | 1,624 |
| Tier 1 risk-based capital ratio | 13.5955% | 3,763 |
| Total risk-based capital ratio | 14.8518% | 3,682 |
| Memoranda: | ||
| Average total assets | $215,035,670 | 3,040 |
| Average earning assets | $208,564,670 | 2,890 |
| Average equity | $26,615,330 | 2,511 |
| Average total loans | $205,264,670 | 2,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1715% | 261 |
| Cost of funding earning assets | 3.1295% | 418 |
| Net interest margin | 4.0419% | 2,485 |
| Noninterest income to average assets | 0.0685% | 7,722 |
| Noninterest expense to average assets | 1.6959% | 7,828 |
| Loan and lease loss provision to assets | 0.9555% | 1,362 |
| Net operating income to assets | 1.3362% | 1,302 |
| Return on assets (ROA) | 1.3362% | 1,398 |
| Pretax return on assets | 1.3381% | 2,157 |
| Return on Equity (ROE) | 10.6185% | 2,092 |
| Retained earnings to average equity (ytd only) | -8.2286% | 6,935 |
| Net charge-offs to loans | 0.0790% | 4,384 |
| Credit loss provision to net charge-offs | 1,255.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 1,052 |
| Efficiency ratio | 42.5095% | 7,985 |
| Assets per employee ($millions) | 14.1597% | 122 |
| Cash dividends to net income (ytd only)* | 177.4929% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 1,720 |
| Loan loss allowance to noncurrent loans | 36.3022% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 5.3061% | 821 |
| Noncurrent loans to loans | 5.1186% | 1,061 |
| Net loans and leases to total assets | 94.8685% | 16 |
| Net loans and leases to deposits | 112.8013% | 485 |
| Net loans and leases to core deposits | 123.7773% | 2,099 |
| Total domestic deposits to total assets | 84.1023% | 3,653 |
| Equity capital to assets | 12.3246% | 2,067 |
| Core capital (leverage) ratio | 12.5622% | 1,665 |
| Tier 1 risk-based capital ratio | 13.7085% | 3,737 |
| Total risk-based capital ratio | 14.9728% | 3,655 |
| Memoranda: | ||
| Average total assets | $210,149,500 | 3,114 |
| Average earning assets | $203,863,500 | 2,968 |
| Average equity | $26,444,500 | 2,530 |
| Average total loans | $202,592,500 | 2,336 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4522% | 455 |
| Cost of funding earning assets | 3.5034% | 512 |
| Net interest margin | 3.9488% | 3,366 |
| Noninterest income to average assets | 0.0772% | 7,754 |
| Noninterest expense to average assets | 1.7593% | 7,803 |
| Loan and lease loss provision to assets | 0.8758% | 1,702 |
| Net operating income to assets | 1.2910% | 1,510 |
| Return on assets (ROA) | 1.2910% | 1,462 |
| Pretax return on assets | 1.2921% | 2,338 |
| Return on Equity (ROE) | 9.6071% | 2,395 |
| Retained earnings to average equity (ytd only) | 3.2509% | 3,129 |
| Net charge-offs to loans | 0.2282% | 3,958 |
| Credit loss provision to net charge-offs | 407.1770% | 1,075 |
| Earnings coverage of net charge-offs (x) | 10.0789% | 2,579 |
| Efficiency ratio | 44.7982% | 7,980 |
| Assets per employee ($millions) | 12.9939% | 135 |
| Cash dividends to net income (ytd only)* | 66.1618% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,972 |
| Loan loss allowance to noncurrent loans | 40.5050% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.3237% | 904 |
| Noncurrent loans to loans | 4.1416% | 1,174 |
| Net loans and leases to total assets | 94.5249% | 22 |
| Net loans and leases to deposits | 118.9913% | 410 |
| Net loans and leases to core deposits | 133.6144% | 1,621 |
| Total domestic deposits to total assets | 79.4385% | 5,227 |
| Equity capital to assets | 12.8483% | 1,852 |
| Core capital (leverage) ratio | 13.2229% | 1,470 |
| Tier 1 risk-based capital ratio | 14.4979% | 3,298 |
| Total risk-based capital ratio | 15.7602% | 3,211 |
| Memoranda: | ||
| Average total assets | $194,342,000 | 3,209 |
| Average earning assets | $189,474,000 | 3,050 |
| Average equity | $26,116,200 | 2,548 |
| Average total loans | $183,184,800 | 2,472 |