Home > First Westroads Bank, Inc. > Performance and Condition Ratios
First Westroads Bank, Inc., 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 | 4.7229% | 2,626 |
| Cost of funding earning assets | 1.1894% | 2,829 |
| Net interest margin | 3.5335% | 2,113 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.1480% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2016% | 1,650 |
| Return on assets (ROA) | 1.2016% | 1,621 |
| Pretax return on assets | 1.4935% | 1,441 |
| Return on Equity (ROE) | 9.7600% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,302 |
| Net charge-offs to loans | 0.1368% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 17.0685% | 1,981 |
| Efficiency ratio | 58.9862% | 3,189 |
| Assets per employee ($millions) | 6.9248% | 2,121 |
| Cash dividends to net income (ytd only)* | 39.9002% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2707% | 253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.2000% | 2,547 |
| Net loans and leases to deposits | 75.4447% | 2,508 |
| Net loans and leases to core deposits | 76.7831% | 2,926 |
| Total domestic deposits to total assets | 83.7600% | 2,688 |
| Equity capital to assets | 13.2223% | 820 |
| Core capital (leverage) ratio | 13.2267% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1470% | 595 |
| Memoranda: | ||
| Average total assets | $333,711,000 | 2,254 |
| Average earning assets | $323,447,400 | 2,195 |
| Average equity | $41,084,600 | 1,849 |
| Average total loans | $213,444,200 | 2,205 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 2,904 |
| Cost of funding earning assets | 1.0890% | 2,774 |
| Net interest margin | 3.4152% | 2,418 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.1875% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0884% | 2,089 |
| Return on assets (ROA) | 1.0884% | 2,076 |
| Pretax return on assets | 1.3509% | 1,892 |
| Return on Equity (ROE) | 9.0000% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.0610% | 2,913 |
| Net charge-offs to loans | 0.1824% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 11.6109% | 2,091 |
| Efficiency ratio | 61.8225% | 2,744 |
| Assets per employee ($millions) | 6.6858% | 2,195 |
| Cash dividends to net income (ytd only)* | 43.7796% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3812% | 239 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.7900% | 2,868 |
| Net loans and leases to deposits | 70.8230% | 2,788 |
| Net loans and leases to core deposits | 71.3228% | 3,145 |
| Total domestic deposits to total assets | 84.4200% | 2,661 |
| Equity capital to assets | 12.5899% | 896 |
| Core capital (leverage) ratio | 13.3080% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3357% | 531 |
| Memoranda: | ||
| Average total assets | $335,772,250 | 2,245 |
| Average earning assets | $325,905,750 | 2,198 |
| Average equity | $40,597,250 | 1,847 |
| Average total loans | $214,190,000 | 2,201 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 2,874 |
| Cost of funding earning assets | 0.9889% | 2,641 |
| Net interest margin | 3.4184% | 2,476 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.1785% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0948% | 2,140 |
| Return on assets (ROA) | 1.0948% | 2,134 |
| Pretax return on assets | 1.3607% | 1,915 |
| Return on Equity (ROE) | 9.1800% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.2153% | 2,887 |
| Net charge-offs to loans | 0.2698% | 307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.8068% | 2,071 |
| Efficiency ratio | 61.5526% | 2,768 |
| Assets per employee ($millions) | 6.5659% | 2,245 |
| Cash dividends to net income (ytd only)* | 43.1732% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2642% | 281 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.5700% | 2,618 |
| Net loans and leases to deposits | 72.4693% | 2,612 |
| Net loans and leases to core deposits | 72.9630% | 2,965 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 12.1633% | 1,006 |
| Core capital (leverage) ratio | 13.2589% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6168% | 662 |
| Memoranda: | ||
| Average total assets | $338,494,667 | 2,246 |
| Average earning assets | $328,633,000 | 2,195 |
| Average equity | $40,381,333 | 1,865 |
| Average total loans | $218,703,000 | 2,161 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,878 |
| Cost of funding earning assets | 0.8273% | 2,616 |
| Net interest margin | 3.4422% | 2,521 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.1451% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1260% | 2,139 |
| Return on assets (ROA) | 1.1260% | 2,107 |
| Pretax return on assets | 1.3987% | 1,882 |
| Return on Equity (ROE) | 9.5300% | 2,917 |
| Retained earnings to average equity (ytd only) | 5.5513% | 2,874 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.5307% | 2,889 |
| Assets per employee ($millions) | 6.9295% | 2,025 |
| Cash dividends to net income (ytd only)* | 41.7537% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2969% | 285 |
| Loan loss allowance to noncurrent loans | 150.9675% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 417 |
| Noncurrent loans to loans | 1.5214% | 426 |
| Net loans and leases to total assets | 63.5300% | 2,293 |
| Net loans and leases to deposits | 76.3588% | 2,085 |
| Net loans and leases to core deposits | 76.9420% | 2,464 |
| Total domestic deposits to total assets | 83.2000% | 3,255 |
| Equity capital to assets | 12.0266% | 990 |
| Core capital (leverage) ratio | 12.6249% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5830% | 786 |
| Memoranda: | ||
| Average total assets | $340,312,000 | 2,271 |
| Average earning assets | $330,715,500 | 2,210 |
| Average equity | $40,207,000 | 1,891 |
| Average total loans | $222,588,000 | 2,154 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 2,946 |
| Cost of funding earning assets | 0.3547% | 2,442 |
| Net interest margin | 3.1940% | 2,880 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.0090% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1955% | 1,789 |
| Return on assets (ROA) | 1.1955% | 1,725 |
| Pretax return on assets | 1.5043% | 1,447 |
| Return on Equity (ROE) | 10.8600% | 2,527 |
| Retained earnings to average equity (ytd only) | 6.7898% | 2,327 |
| Net charge-offs to loans | -0.0540% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1827% | 3,443 |
| Assets per employee ($millions) | 6.9608% | 2,003 |
| Cash dividends to net income (ytd only)* | 37.4620% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2598% | 285 |
| Loan loss allowance to noncurrent loans | 19,503.8462% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,829 |
| Noncurrent loans to loans | 0.0116% | 3,756 |
| Net loans and leases to total assets | 64.3000% | 2,221 |
| Net loans and leases to deposits | 75.0704% | 2,175 |
| Net loans and leases to core deposits | 75.6439% | 2,449 |
| Total domestic deposits to total assets | 85.6600% | 2,812 |
| Equity capital to assets | 11.6038% | 1,049 |
| Core capital (leverage) ratio | 11.8813% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4978% | 778 |
| Memoranda: | ||
| Average total assets | $357,245,600 | 2,193 |
| Average earning assets | $348,779,000 | 2,114 |
| Average equity | $39,338,200 | 1,943 |
| Average total loans | $216,661,200 | 2,125 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3216% | 3,124 |
| Cost of funding earning assets | 0.2364% | 2,852 |
| Net interest margin | 3.0852% | 2,974 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.9851% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1230% | 1,993 |
| Return on assets (ROA) | 1.1230% | 1,960 |
| Pretax return on assets | 1.4149% | 1,668 |
| Return on Equity (ROE) | 10.3300% | 2,628 |
| Retained earnings to average equity (ytd only) | 6.2561% | 2,651 |
| Net charge-offs to loans | -0.0720% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.3849% | 3,339 |
| Assets per employee ($millions) | 6.7715% | 2,115 |
| Cash dividends to net income (ytd only)* | 39.4348% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4043% | 255 |
| Loan loss allowance to noncurrent loans | 22,043.4783% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,943 |
| Noncurrent loans to loans | 0.0109% | 3,863 |
| Net loans and leases to total assets | 58.4500% | 2,644 |
| Net loans and leases to deposits | 67.5556% | 2,573 |
| Net loans and leases to core deposits | 68.2333% | 2,787 |
| Total domestic deposits to total assets | 86.5200% | 2,916 |
| Equity capital to assets | 10.9498% | 1,196 |
| Core capital (leverage) ratio | 11.5398% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3354% | 700 |
| Memoranda: | ||
| Average total assets | $361,287,500 | 2,189 |
| Average earning assets | $353,033,250 | 2,108 |
| Average equity | $39,278,250 | 1,970 |
| Average total loans | $214,726,750 | 2,136 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0835% | 3,347 |
| Cost of funding earning assets | 0.1847% | 3,116 |
| Net interest margin | 2.8988% | 3,177 |
| Noninterest income to average assets | 0.4617% | 2,389 |
| Noninterest expense to average assets | 1.9767% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0550% | 1,954 |
| Return on assets (ROA) | 1.0550% | 1,921 |
| Pretax return on assets | 1.3196% | 1,684 |
| Return on Equity (ROE) | 9.7270% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.6783% | 2,447 |
| Net charge-offs to loans | -0.1065% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9667% | 3,299 |
| Assets per employee ($millions) | 7.2442% | 1,776 |
| Cash dividends to net income (ytd only)* | 41.6233% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 296 |
| Loan loss allowance to noncurrent loans | 18,103.5714% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,956 |
| Noncurrent loans to loans | 0.0131% | 3,873 |
| Net loans and leases to total assets | 58.6238% | 2,469 |
| Net loans and leases to deposits | 67.8124% | 2,404 |
| Net loans and leases to core deposits | 68.5437% | 2,605 |
| Total domestic deposits to total assets | 86.4499% | 3,126 |
| Equity capital to assets | 11.1910% | 1,138 |
| Core capital (leverage) ratio | 11.0103% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7172% | 751 |
| Memoranda: | ||
| Average total assets | $364,344,667 | 2,183 |
| Average earning assets | $356,285,333 | 2,120 |
| Average equity | $39,519,000 | 2,021 |
| Average total loans | $216,011,000 | 2,141 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 3,170 |
| Cost of funding earning assets | 0.1659% | 3,282 |
| Net interest margin | 2.8615% | 2,951 |
| Noninterest income to average assets | 0.5582% | 1,872 |
| Noninterest expense to average assets | 1.9619% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1208% | 1,472 |
| Return on assets (ROA) | 1.1208% | 1,464 |
| Pretax return on assets | 1.4015% | 1,249 |
| Return on Equity (ROE) | 10.4931% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.4339% | 2,095 |
| Net charge-offs to loans | -0.2042% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3306% | 3,645 |
| Assets per employee ($millions) | 7.4423% | 1,721 |
| Cash dividends to net income (ytd only)* | 38.6847% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 352 |
| Loan loss allowance to noncurrent loans | 36,178.5714% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,058 |
| Noncurrent loans to loans | 0.0065% | 3,982 |
| Net loans and leases to total assets | 56.9530% | 2,424 |
| Net loans and leases to deposits | 65.3867% | 2,396 |
| Net loans and leases to core deposits | 66.2188% | 2,617 |
| Total domestic deposits to total assets | 87.1018% | 2,891 |
| Equity capital to assets | 10.5476% | 1,577 |
| Core capital (leverage) ratio | 10.7380% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1695% | 881 |
| Memoranda: | ||
| Average total assets | $369,034,500 | 2,171 |
| Average earning assets | $361,765,500 | 2,104 |
| Average equity | $39,416,500 | 2,079 |
| Average total loans | $217,435,000 | 2,114 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 3,248 |
| Cost of funding earning assets | 0.2277% | 3,165 |
| Net interest margin | 3.0593% | 3,024 |
| Noninterest income to average assets | 0.4487% | 2,825 |
| Noninterest expense to average assets | 2.0168% | 3,626 |
| Loan and lease loss provision to assets | 0.0339% | 2,375 |
| Net operating income to assets | 1.1088% | 2,258 |
| Return on assets (ROA) | 1.1088% | 2,320 |
| Pretax return on assets | 1.3855% | 2,096 |
| Return on Equity (ROE) | 10.0901% | 2,491 |
| Retained earnings to average equity (ytd only) | 1.1288% | 4,223 |
| Net charge-offs to loans | -0.0251% | 4,062 |
| Credit loss provision to net charge-offs | -206.8966% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6924% | 3,329 |
| Assets per employee ($millions) | 7.4685% | 1,640 |
| Cash dividends to net income (ytd only)* | 88.8124% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2738% | 400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.1823% | 2,357 |
| Net loans and leases to deposits | 67.1211% | 2,390 |
| Net loans and leases to core deposits | 67.9393% | 2,653 |
| Total domestic deposits to total assets | 86.6825% | 2,629 |
| Equity capital to assets | 10.8166% | 1,927 |
| Core capital (leverage) ratio | 10.7224% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3367% | 847 |
| Memoranda: | ||
| Average total assets | $353,881,200 | 2,176 |
| Average earning assets | $345,573,200 | 2,105 |
| Average equity | $38,889,600 | 2,122 |
| Average total loans | $231,156,000 | 2,045 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 3,416 |
| Cost of funding earning assets | 0.2388% | 3,225 |
| Net interest margin | 3.0508% | 3,180 |
| Noninterest income to average assets | 0.4412% | 2,882 |
| Noninterest expense to average assets | 2.0718% | 3,449 |
| Loan and lease loss provision to assets | 0.0456% | 2,084 |
| Net operating income to assets | 1.0386% | 2,770 |
| Return on assets (ROA) | 1.0386% | 2,835 |
| Pretax return on assets | 1.2954% | 2,637 |
| Return on Equity (ROE) | 9.4119% | 2,963 |
| Retained earnings to average equity (ytd only) | -1.2122% | 4,674 |
| Net charge-offs to loans | -0.0256% | 4,071 |
| Credit loss provision to net charge-offs | -266.6667% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7059% | 2,879 |
| Assets per employee ($millions) | 6.6701% | 2,124 |
| Cash dividends to net income (ytd only)* | 112.8796% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.6145% | 2,060 |
| Net loans and leases to deposits | 71.0670% | 2,137 |
| Net loans and leases to core deposits | 71.8877% | 2,433 |
| Total domestic deposits to total assets | 86.6992% | 2,463 |
| Equity capital to assets | 10.7996% | 2,164 |
| Core capital (leverage) ratio | 10.7053% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0890% | 940 |
| Memoranda: | ||
| Average total assets | $350,862,750 | 2,215 |
| Average earning assets | $341,754,500 | 2,141 |
| Average equity | $38,716,000 | 2,151 |
| Average total loans | $234,476,250 | 2,063 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 3,210 |
| Cost of funding earning assets | 0.2536% | 3,252 |
| Net interest margin | 3.1340% | 2,945 |
| Noninterest income to average assets | 0.4423% | 2,891 |
| Noninterest expense to average assets | 2.1009% | 3,387 |
| Loan and lease loss provision to assets | 0.0690% | 1,671 |
| Net operating income to assets | 1.0588% | 2,681 |
| Return on assets (ROA) | 1.0588% | 2,757 |
| Pretax return on assets | 1.3210% | 2,579 |
| Return on Equity (ROE) | 9.5253% | 2,938 |
| Retained earnings to average equity (ytd only) | -4.3668% | 4,769 |
| Net charge-offs to loans | -0.0295% | 4,149 |
| Credit loss provision to net charge-offs | -342.8571% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1812% | 2,996 |
| Assets per employee ($millions) | 6.4697% | 2,187 |
| Cash dividends to net income (ytd only)* | 145.8446% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.7868% | 2,087 |
| Net loans and leases to deposits | 72.9240% | 2,120 |
| Net loans and leases to core deposits | 73.7210% | 2,435 |
| Total domestic deposits to total assets | 86.0989% | 2,706 |
| Equity capital to assets | 10.8072% | 2,144 |
| Core capital (leverage) ratio | 10.6480% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1399% | 931 |
| Memoranda: | ||
| Average total assets | $347,754,333 | 2,215 |
| Average earning assets | $338,285,667 | 2,146 |
| Average equity | $38,655,000 | 2,148 |
| Average total loans | $237,012,000 | 2,053 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 2,708 |
| Cost of funding earning assets | 0.2624% | 3,355 |
| Net interest margin | 3.3167% | 2,340 |
| Noninterest income to average assets | 0.4748% | 2,727 |
| Noninterest expense to average assets | 2.1646% | 3,222 |
| Loan and lease loss provision to assets | 0.0768% | 1,658 |
| Net operating income to assets | 1.1649% | 2,280 |
| Return on assets (ROA) | 1.1649% | 2,351 |
| Pretax return on assets | 1.4547% | 2,122 |
| Return on Equity (ROE) | 10.3317% | 2,585 |
| Retained earnings to average equity (ytd only) | -13.2527% | 4,863 |
| Net charge-offs to loans | 0.0017% | 1,873 |
| Credit loss provision to net charge-offs | 6,600.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,316.0000% | 64 |
| Efficiency ratio | 58.5642% | 3,224 |
| Assets per employee ($millions) | 6.9360% | 1,839 |
| Cash dividends to net income (ytd only)* | 228.2717% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.9573% | 1,540 |
| Net loans and leases to deposits | 79.2082% | 1,594 |
| Net loans and leases to core deposits | 80.4586% | 1,962 |
| Total domestic deposits to total assets | 85.7958% | 2,815 |
| Equity capital to assets | 10.9813% | 1,875 |
| Core capital (leverage) ratio | 10.8938% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8055% | 956 |
| Memoranda: | ||
| Average total assets | $343,713,500 | 2,218 |
| Average earning assets | $333,822,500 | 2,159 |
| Average equity | $38,754,500 | 2,137 |
| Average total loans | $241,343,500 | 2,023 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,065 |
| Cost of funding earning assets | 0.4278% | 3,417 |
| Net interest margin | 3.4593% | 2,602 |
| Noninterest income to average assets | 0.4542% | 2,849 |
| Noninterest expense to average assets | 2.1519% | 3,814 |
| Loan and lease loss provision to assets | 0.0578% | 3,646 |
| Net operating income to assets | 1.2953% | 1,263 |
| Return on assets (ROA) | 1.2953% | 1,363 |
| Pretax return on assets | 1.6038% | 1,070 |
| Return on Equity (ROE) | 10.9146% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.7258% | 1,499 |
| Net charge-offs to loans | 0.0228% | 2,593 |
| Credit loss provision to net charge-offs | 344.4444% | 1,597 |
| Earnings coverage of net charge-offs (x) | 99.0370% | 790 |
| Efficiency ratio | 56.4282% | 3,927 |
| Assets per employee ($millions) | 6.6790% | 1,796 |
| Cash dividends to net income (ytd only)* | 38.3785% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 630 |
| Loan loss allowance to noncurrent loans | 8,683.6364% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,325 |
| Noncurrent loans to loans | 0.0227% | 4,243 |
| Net loans and leases to total assets | 69.6935% | 1,599 |
| Net loans and leases to deposits | 81.8412% | 1,677 |
| Net loans and leases to core deposits | 83.1652% | 2,109 |
| Total domestic deposits to total assets | 85.1571% | 2,701 |
| Equity capital to assets | 11.5745% | 1,832 |
| Core capital (leverage) ratio | 11.0522% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1874% | 1,218 |
| Memoranda: | ||
| Average total assets | $321,862,000 | 2,181 |
| Average earning assets | $312,550,600 | 2,102 |
| Average equity | $38,196,400 | 2,088 |
| Average total loans | $236,678,800 | 1,990 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 3,295 |
| Cost of funding earning assets | 0.4539% | 3,504 |
| Net interest margin | 3.4320% | 2,809 |
| Noninterest income to average assets | 0.3968% | 3,093 |
| Noninterest expense to average assets | 2.1578% | 3,784 |
| Loan and lease loss provision to assets | 0.0583% | 3,622 |
| Net operating income to assets | 1.2182% | 1,583 |
| Return on assets (ROA) | 1.2182% | 1,705 |
| Pretax return on assets | 1.5150% | 1,421 |
| Return on Equity (ROE) | 10.1980% | 1,954 |
| Retained earnings to average equity (ytd only) | 7.3828% | 1,547 |
| Net charge-offs to loans | 0.0334% | 2,158 |
| Credit loss provision to net charge-offs | 235.5932% | 1,981 |
| Earnings coverage of net charge-offs (x) | 63.4407% | 1,062 |
| Efficiency ratio | 57.8301% | 3,688 |
| Assets per employee ($millions) | 5.9845% | 2,278 |
| Cash dividends to net income (ytd only)* | 27.6052% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 587 |
| Loan loss allowance to noncurrent loans | 9,450.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,415 |
| Noncurrent loans to loans | 0.0201% | 4,331 |
| Net loans and leases to total assets | 71.5731% | 1,731 |
| Net loans and leases to deposits | 84.7535% | 1,832 |
| Net loans and leases to core deposits | 87.0495% | 2,232 |
| Total domestic deposits to total assets | 84.4486% | 2,657 |
| Equity capital to assets | 11.4328% | 2,061 |
| Core capital (leverage) ratio | 10.6183% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6142% | 1,349 |
| Memoranda: | ||
| Average total assets | $317,170,750 | 2,186 |
| Average earning assets | $308,151,250 | 2,107 |
| Average equity | $37,889,000 | 2,092 |
| Average total loans | $235,305,750 | 1,998 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,348 |
| Cost of funding earning assets | 0.4821% | 3,643 |
| Net interest margin | 3.5100% | 2,751 |
| Noninterest income to average assets | 0.3603% | 3,325 |
| Noninterest expense to average assets | 2.2103% | 3,749 |
| Loan and lease loss provision to assets | 0.0602% | 3,551 |
| Net operating income to assets | 1.2083% | 1,617 |
| Return on assets (ROA) | 1.2083% | 1,745 |
| Pretax return on assets | 1.4994% | 1,456 |
| Return on Equity (ROE) | 9.9576% | 1,997 |
| Retained earnings to average equity (ytd only) | 9.9576% | 797 |
| Net charge-offs to loans | 0.0572% | 1,682 |
| Credit loss provision to net charge-offs | 140.9091% | 2,173 |
| Earnings coverage of net charge-offs (x) | 36.5303% | 1,306 |
| Efficiency ratio | 58.6307% | 3,602 |
| Assets per employee ($millions) | 7.3638% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 604 |
| Loan loss allowance to noncurrent loans | 9,342.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,502 |
| Noncurrent loans to loans | 0.0197% | 4,420 |
| Net loans and leases to total assets | 67.8323% | 2,385 |
| Net loans and leases to deposits | 83.7624% | 2,016 |
| Net loans and leases to core deposits | 86.7700% | 2,375 |
| Total domestic deposits to total assets | 80.9818% | 3,613 |
| Equity capital to assets | 10.5172% | 2,733 |
| Core capital (leverage) ratio | 11.2268% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6879% | 1,573 |
| Memoranda: | ||
| Average total assets | $309,189,667 | 2,198 |
| Average earning assets | $300,343,667 | 2,128 |
| Average equity | $37,519,000 | 2,101 |
| Average total loans | $230,784,000 | 2,009 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,622 |
| Cost of funding earning assets | 0.5726% | 3,577 |
| Net interest margin | 3.8271% | 1,886 |
| Noninterest income to average assets | 0.4133% | 3,007 |
| Noninterest expense to average assets | 2.4756% | 3,347 |
| Loan and lease loss provision to assets | 0.0672% | 2,920 |
| Net operating income to assets | 1.2814% | 1,292 |
| Return on assets (ROA) | 1.2814% | 1,387 |
| Pretax return on assets | 1.5889% | 1,085 |
| Return on Equity (ROE) | 9.7083% | 1,837 |
| Retained earnings to average equity (ytd only) | 9.7083% | 804 |
| Net charge-offs to loans | 0.1279% | 949 |
| Credit loss provision to net charge-offs | 67.1429% | 1,985 |
| Earnings coverage of net charge-offs (x) | 16.5429% | 1,524 |
| Efficiency ratio | 59.9169% | 3,749 |
| Assets per employee ($millions) | 5.9030% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1534% | 404 |
| Loan loss allowance to noncurrent loans | 1,100.4762% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 3,917 |
| Noncurrent loans to loans | 0.1957% | 3,779 |
| Net loans and leases to total assets | 72.6095% | 1,842 |
| Net loans and leases to deposits | 93.8000% | 1,097 |
| Net loans and leases to core deposits | 98.4526% | 1,594 |
| Total domestic deposits to total assets | 77.4088% | 4,306 |
| Equity capital to assets | 12.9385% | 1,457 |
| Core capital (leverage) ratio | 13.6775% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3899% | 1,084 |
| Memoranda: | ||
| Average total assets | $279,690,000 | 2,327 |
| Average earning assets | $271,749,500 | 2,251 |
| Average equity | $36,917,000 | 2,117 |
| Average total loans | $218,965,000 | 2,052 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,947 |
| Cost of funding earning assets | 0.6770% | 3,275 |
| Net interest margin | 4.1546% | 1,414 |
| Noninterest income to average assets | 0.4751% | 2,877 |
| Noninterest expense to average assets | 2.4638% | 3,539 |
| Loan and lease loss provision to assets | 0.0224% | 3,575 |
| Net operating income to assets | 1.6254% | 789 |
| Return on assets (ROA) | 1.6254% | 843 |
| Pretax return on assets | 2.0207% | 573 |
| Return on Equity (ROE) | 12.5396% | 1,318 |
| Retained earnings to average equity (ytd only) | 7.9400% | 998 |
| Net charge-offs to loans | -0.0094% | 4,456 |
| Credit loss provision to net charge-offs | -285.7143% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6672% | 4,355 |
| Assets per employee ($millions) | 5.5129% | 2,044 |
| Cash dividends to net income (ytd only)* | 36.6804% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 404 |
| Loan loss allowance to noncurrent loans | 1,438.0805% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,040 |
| Noncurrent loans to loans | 0.1447% | 3,948 |
| Net loans and leases to total assets | 80.9387% | 674 |
| Net loans and leases to deposits | 97.7237% | 782 |
| Net loans and leases to core deposits | 101.1412% | 1,473 |
| Total domestic deposits to total assets | 82.8241% | 3,260 |
| Equity capital to assets | 13.4785% | 1,282 |
| Core capital (leverage) ratio | 12.8906% | 1,291 |
| Tier 1 risk-based capital ratio | 16.0187% | 2,403 |
| Total risk-based capital ratio | 17.2785% | 2,341 |
| Memoranda: | ||
| Average total assets | $268,367,400 | 2,339 |
| Average earning assets | $260,432,800 | 2,273 |
| Average equity | $34,785,800 | 2,154 |
| Average total loans | $223,801,200 | 2,005 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 2,002 |
| Cost of funding earning assets | 0.6868% | 3,277 |
| Net interest margin | 4.1529% | 1,495 |
| Noninterest income to average assets | 0.4663% | 2,919 |
| Noninterest expense to average assets | 2.4842% | 3,484 |
| Loan and lease loss provision to assets | 0.0224% | 3,464 |
| Net operating income to assets | 1.5984% | 937 |
| Return on assets (ROA) | 1.5984% | 977 |
| Pretax return on assets | 1.9861% | 710 |
| Return on Equity (ROE) | 12.4566% | 1,464 |
| Retained earnings to average equity (ytd only) | 7.8028% | 1,490 |
| Net charge-offs to loans | -0.0107% | 4,396 |
| Credit loss provision to net charge-offs | -250.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2946% | 4,244 |
| Assets per employee ($millions) | 6.1460% | 1,498 |
| Cash dividends to net income (ytd only)* | 37.3599% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0786% | 401 |
| Loan loss allowance to noncurrent loans | 1,145.2970% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 3,996 |
| Noncurrent loans to loans | 0.1815% | 3,884 |
| Net loans and leases to total assets | 80.6028% | 763 |
| Net loans and leases to deposits | 96.9398% | 912 |
| Net loans and leases to core deposits | 100.8476% | 1,591 |
| Total domestic deposits to total assets | 83.1473% | 3,109 |
| Equity capital to assets | 13.1881% | 1,518 |
| Core capital (leverage) ratio | 13.1597% | 1,275 |
| Tier 1 risk-based capital ratio | 15.7844% | 2,520 |
| Total risk-based capital ratio | 17.0439% | 2,457 |
| Memoranda: | ||
| Average total assets | $267,925,750 | 2,360 |
| Average earning assets | $259,761,750 | 2,291 |
| Average equity | $34,379,750 | 2,185 |
| Average total loans | $223,929,500 | 2,010 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 2,096 |
| Cost of funding earning assets | 0.6635% | 3,340 |
| Net interest margin | 4.1255% | 1,535 |
| Noninterest income to average assets | 0.4343% | 3,039 |
| Noninterest expense to average assets | 2.5107% | 3,437 |
| Loan and lease loss provision to assets | 0.0225% | 3,358 |
| Net operating income to assets | 1.5313% | 1,060 |
| Return on assets (ROA) | 1.5313% | 1,108 |
| Pretax return on assets | 1.9005% | 834 |
| Return on Equity (ROE) | 12.0465% | 1,562 |
| Retained earnings to average equity (ytd only) | 7.3340% | 1,678 |
| Net charge-offs to loans | -0.0152% | 4,454 |
| Credit loss provision to net charge-offs | -176.4706% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6289% | 4,175 |
| Assets per employee ($millions) | 5.3645% | 2,091 |
| Cash dividends to net income (ytd only)* | 39.1198% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 432 |
| Loan loss allowance to noncurrent loans | 685.1412% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 3,570 |
| Noncurrent loans to loans | 0.2988% | 3,469 |
| Net loans and leases to total assets | 82.2503% | 563 |
| Net loans and leases to deposits | 98.6814% | 779 |
| Net loans and leases to core deposits | 102.7880% | 1,491 |
| Total domestic deposits to total assets | 83.3494% | 3,092 |
| Equity capital to assets | 12.9910% | 1,592 |
| Core capital (leverage) ratio | 12.6444% | 1,462 |
| Tier 1 risk-based capital ratio | 15.3075% | 2,708 |
| Total risk-based capital ratio | 16.5671% | 2,634 |
| Memoranda: | ||
| Average total assets | $267,092,330 | 2,371 |
| Average earning assets | $258,929,000 | 2,304 |
| Average equity | $33,951,670 | 2,198 |
| Average total loans | $224,373,330 | 2,015 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 2,289 |
| Cost of funding earning assets | 0.6317% | 3,401 |
| Net interest margin | 4.0505% | 1,685 |
| Noninterest income to average assets | 0.3722% | 3,368 |
| Noninterest expense to average assets | 2.4778% | 3,568 |
| Loan and lease loss provision to assets | 0.0225% | 3,148 |
| Net operating income to assets | 1.4513% | 1,227 |
| Return on assets (ROA) | 1.4513% | 1,258 |
| Pretax return on assets | 1.7979% | 981 |
| Return on Equity (ROE) | 11.5445% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.7691% | 2,124 |
| Net charge-offs to loans | -0.0161% | 4,405 |
| Credit loss provision to net charge-offs | -166.6667% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6466% | 4,127 |
| Assets per employee ($millions) | 4.9369% | 2,602 |
| Cash dividends to net income (ytd only)* | 41.3650% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9992% | 503 |
| Loan loss allowance to noncurrent loans | 2,440.4255% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,462 |
| Noncurrent loans to loans | 0.0819% | 4,393 |
| Net loans and leases to total assets | 84.3628% | 340 |
| Net loans and leases to deposits | 102.9987% | 447 |
| Net loans and leases to core deposits | 105.5530% | 1,204 |
| Total domestic deposits to total assets | 81.9066% | 3,748 |
| Equity capital to assets | 12.7260% | 1,612 |
| Core capital (leverage) ratio | 12.9761% | 1,286 |
| Tier 1 risk-based capital ratio | 14.5686% | 3,076 |
| Total risk-based capital ratio | 15.8275% | 2,994 |
| Memoranda: | ||
| Average total assets | $266,526,000 | 2,393 |
| Average earning assets | $258,341,000 | 2,329 |
| Average equity | $33,505,000 | 2,218 |
| Average total loans | $223,946,500 | 2,035 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 2,091 |
| Cost of funding earning assets | 0.4545% | 3,651 |
| Net interest margin | 4.1629% | 1,497 |
| Noninterest income to average assets | 0.3944% | 3,473 |
| Noninterest expense to average assets | 2.4278% | 3,804 |
| Loan and lease loss provision to assets | 0.1584% | 1,301 |
| Net operating income to assets | 1.8413% | 510 |
| Return on assets (ROA) | 1.8413% | 506 |
| Pretax return on assets | 1.8276% | 856 |
| Return on Equity (ROE) | 14.9951% | 831 |
| Retained earnings to average equity (ytd only) | 2.3678% | 4,195 |
| Net charge-offs to loans | -0.0061% | 4,391 |
| Credit loss provision to net charge-offs | -3,184.6154% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0056% | 4,515 |
| Assets per employee ($millions) | 4.9344% | 2,579 |
| Cash dividends to net income (ytd only)* | 84.2094% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 406 |
| Loan loss allowance to noncurrent loans | 2,270.6468% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,441 |
| Noncurrent loans to loans | 0.0920% | 4,337 |
| Net loans and leases to total assets | 80.2508% | 898 |
| Net loans and leases to deposits | 95.6623% | 1,104 |
| Net loans and leases to core deposits | 98.0404% | 1,863 |
| Total domestic deposits to total assets | 83.8897% | 3,036 |
| Equity capital to assets | 12.4159% | 1,624 |
| Core capital (leverage) ratio | 12.5478% | 1,432 |
| Tier 1 risk-based capital ratio | 15.1101% | 2,781 |
| Total risk-based capital ratio | 16.3701% | 2,710 |
| Memoranda: | ||
| Average total assets | $261,385,400 | 2,392 |
| Average earning assets | $252,372,200 | 2,322 |
| Average equity | $32,097,200 | 2,211 |
| Average total loans | $214,717,400 | 2,068 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 2,214 |
| Cost of funding earning assets | 0.4145% | 3,755 |
| Net interest margin | 4.1091% | 1,600 |
| Noninterest income to average assets | 0.3896% | 3,543 |
| Noninterest expense to average assets | 2.4593% | 3,699 |
| Loan and lease loss provision to assets | 0.1384% | 1,447 |
| Net operating income to assets | 1.8432% | 562 |
| Return on assets (ROA) | 1.8432% | 559 |
| Pretax return on assets | 1.7607% | 1,110 |
| Return on Equity (ROE) | 15.0532% | 865 |
| Retained earnings to average equity (ytd only) | -0.2386% | 5,066 |
| Net charge-offs to loans | -0.0012% | 4,031 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4271% | 4,325 |
| Assets per employee ($millions) | 5.2600% | 2,163 |
| Cash dividends to net income (ytd only)* | 101.5849% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 508 |
| Loan loss allowance to noncurrent loans | 55,112.5000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,019 |
| Noncurrent loans to loans | 0.0036% | 4,925 |
| Net loans and leases to total assets | 83.1835% | 543 |
| Net loans and leases to deposits | 99.1206% | 850 |
| Net loans and leases to core deposits | 101.6122% | 1,642 |
| Total domestic deposits to total assets | 83.9216% | 2,974 |
| Equity capital to assets | 12.1754% | 1,785 |
| Core capital (leverage) ratio | 12.7114% | 1,412 |
| Tier 1 risk-based capital ratio | 14.5045% | 3,125 |
| Total risk-based capital ratio | 15.7627% | 3,030 |
| Memoranda: | ||
| Average total assets | $260,117,500 | 2,410 |
| Average earning assets | $251,242,500 | 2,342 |
| Average equity | $31,850,750 | 2,228 |
| Average total loans | $213,797,250 | 2,079 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 2,180 |
| Cost of funding earning assets | 0.4055% | 3,685 |
| Net interest margin | 4.0656% | 1,653 |
| Noninterest income to average assets | 0.3944% | 3,530 |
| Noninterest expense to average assets | 2.5027% | 3,624 |
| Loan and lease loss provision to assets | 0.1551% | 1,218 |
| Net operating income to assets | 1.9695% | 404 |
| Return on assets (ROA) | 1.9695% | 402 |
| Pretax return on assets | 1.6515% | 1,335 |
| Return on Equity (ROE) | 16.0533% | 663 |
| Retained earnings to average equity (ytd only) | -4.4096% | 5,262 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0766% | 4,220 |
| Assets per employee ($millions) | 4.8513% | 2,615 |
| Cash dividends to net income (ytd only)* | 127.4687% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.4953% | 771 |
| Net loans and leases to deposits | 97.9629% | 973 |
| Net loans and leases to core deposits | 100.7977% | 1,668 |
| Total domestic deposits to total assets | 83.1899% | 3,352 |
| Equity capital to assets | 12.6811% | 1,451 |
| Core capital (leverage) ratio | 12.4133% | 1,482 |
| Tier 1 risk-based capital ratio | 15.0912% | 2,827 |
| Total risk-based capital ratio | 16.3510% | 2,749 |
| Memoranda: | ||
| Average total assets | $259,157,330 | 2,431 |
| Average earning assets | $249,560,000 | 2,364 |
| Average equity | $31,794,000 | 2,236 |
| Average total loans | $210,669,670 | 2,098 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,230 |
| Cost of funding earning assets | 0.3722% | 3,807 |
| Net interest margin | 4.0182% | 1,667 |
| Noninterest income to average assets | 0.4006% | 3,467 |
| Noninterest expense to average assets | 2.4646% | 3,758 |
| Loan and lease loss provision to assets | 0.1005% | 1,846 |
| Net operating income to assets | 1.6831% | 707 |
| Return on assets (ROA) | 1.6831% | 717 |
| Pretax return on assets | 1.6831% | 1,162 |
| Return on Equity (ROE) | 13.9450% | 1,026 |
| Retained earnings to average equity (ytd only) | -22.0596% | 5,521 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0136% | 4,336 |
| Assets per employee ($millions) | 5.1177% | 2,338 |
| Cash dividends to net income (ytd only)* | 258.1900% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 599 |
| Loan loss allowance to noncurrent loans | 10,776.9231% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,050 |
| Noncurrent loans to loans | 0.0181% | 4,910 |
| Net loans and leases to total assets | 80.8739% | 812 |
| Net loans and leases to deposits | 106.9738% | 348 |
| Net loans and leases to core deposits | 110.0961% | 1,003 |
| Total domestic deposits to total assets | 75.6015% | 5,009 |
| Equity capital to assets | 11.8554% | 1,876 |
| Core capital (leverage) ratio | 12.0062% | 1,646 |
| Tier 1 risk-based capital ratio | 13.8131% | 3,491 |
| Total risk-based capital ratio | 15.0708% | 3,394 |
| Memoranda: | ||
| Average total assets | $262,603,500 | 2,422 |
| Average earning assets | $251,453,500 | 2,367 |
| Average equity | $31,696,000 | 2,260 |
| Average total loans | $211,043,500 | 2,106 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,728 |
| Cost of funding earning assets | 0.2715% | 4,386 |
| Net interest margin | 3.9180% | 2,035 |
| Noninterest income to average assets | 0.5942% | 2,476 |
| Noninterest expense to average assets | 2.4773% | 3,861 |
| Loan and lease loss provision to assets | 0.0739% | 2,728 |
| Net operating income to assets | 1.8170% | 405 |
| Return on assets (ROA) | 1.8182% | 409 |
| Pretax return on assets | 1.8182% | 760 |
| Return on Equity (ROE) | 14.9080% | 622 |
| Retained earnings to average equity (ytd only) | 6.4168% | 1,326 |
| Net charge-offs to loans | -0.0100% | 4,789 |
| Credit loss provision to net charge-offs | -955.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7127% | 4,692 |
| Assets per employee ($millions) | 5.2841% | 2,167 |
| Cash dividends to net income (ytd only)* | 56.9574% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 542 |
| Loan loss allowance to noncurrent loans | 8,442.8571% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,069 |
| Noncurrent loans to loans | 0.0237% | 4,911 |
| Net loans and leases to total assets | 76.7073% | 1,477 |
| Net loans and leases to deposits | 91.2695% | 1,615 |
| Net loans and leases to core deposits | 93.6261% | 2,228 |
| Total domestic deposits to total assets | 84.0448% | 3,191 |
| Equity capital to assets | 12.2818% | 1,648 |
| Core capital (leverage) ratio | 12.5847% | 1,316 |
| Tier 1 risk-based capital ratio | 15.0554% | 2,828 |
| Total risk-based capital ratio | 16.3137% | 2,754 |
| Memoranda: | ||
| Average total assets | $258,502,800 | 2,428 |
| Average earning assets | $249,004,000 | 2,354 |
| Average equity | $31,526,800 | 2,251 |
| Average total loans | $200,277,800 | 2,152 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 2,719 |
| Cost of funding earning assets | 0.2723% | 4,383 |
| Net interest margin | 3.8962% | 2,054 |
| Noninterest income to average assets | 0.6229% | 2,347 |
| Noninterest expense to average assets | 2.5424% | 3,591 |
| Loan and lease loss provision to assets | 0.0991% | 2,134 |
| Net operating income to assets | 1.7520% | 521 |
| Return on assets (ROA) | 1.7530% | 531 |
| Pretax return on assets | 1.7530% | 995 |
| Return on Equity (ROE) | 14.3996% | 755 |
| Retained earnings to average equity (ytd only) | 5.1251% | 2,800 |
| Net charge-offs to loans | -0.0134% | 4,727 |
| Credit loss provision to net charge-offs | -955.0000% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8680% | 4,521 |
| Assets per employee ($millions) | 5.2200% | 2,205 |
| Cash dividends to net income (ytd only)* | 64.4083% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0784% | 490 |
| Loan loss allowance to noncurrent loans | 6,672.5806% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,123 |
| Noncurrent loans to loans | 0.0311% | 4,985 |
| Net loans and leases to total assets | 77.7882% | 1,302 |
| Net loans and leases to deposits | 93.5474% | 1,346 |
| Net loans and leases to core deposits | 98.0570% | 1,879 |
| Total domestic deposits to total assets | 83.1538% | 3,409 |
| Equity capital to assets | 12.7809% | 1,500 |
| Core capital (leverage) ratio | 12.5971% | 1,380 |
| Tier 1 risk-based capital ratio | 15.3508% | 2,772 |
| Total risk-based capital ratio | 16.6102% | 2,712 |
| Memoranda: | ||
| Average total assets | $257,077,750 | 2,455 |
| Average earning assets | $248,782,000 | 2,377 |
| Average equity | $31,296,250 | 2,282 |
| Average total loans | $198,647,250 | 2,173 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 2,947 |
| Cost of funding earning assets | 0.2729% | 4,352 |
| Net interest margin | 3.7949% | 2,307 |
| Noninterest income to average assets | 0.6565% | 2,180 |
| Noninterest expense to average assets | 2.4964% | 3,765 |
| Loan and lease loss provision to assets | 0.1072% | 1,893 |
| Net operating income to assets | 1.7219% | 539 |
| Return on assets (ROA) | 1.7242% | 540 |
| Pretax return on assets | 1.7242% | 1,002 |
| Return on Equity (ROE) | 14.3944% | 758 |
| Retained earnings to average equity (ytd only) | 4.6307% | 2,956 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7136% | 4,634 |
| Assets per employee ($millions) | 5.0502% | 2,335 |
| Cash dividends to net income (ytd only)* | 67.8300% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 584 |
| Loan loss allowance to noncurrent loans | 4,897.5904% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,131 |
| Noncurrent loans to loans | 0.0412% | 4,991 |
| Net loans and leases to total assets | 78.2086% | 1,216 |
| Net loans and leases to deposits | 95.1786% | 1,163 |
| Net loans and leases to core deposits | 99.7842% | 1,662 |
| Total domestic deposits to total assets | 82.1704% | 3,840 |
| Equity capital to assets | 12.5063% | 1,619 |
| Core capital (leverage) ratio | 12.3547% | 1,439 |
| Tier 1 risk-based capital ratio | 14.5993% | 3,115 |
| Total risk-based capital ratio | 15.8571% | 3,027 |
| Memoranda: | ||
| Average total assets | $259,250,000 | 2,445 |
| Average earning assets | $250,650,670 | 2,375 |
| Average equity | $31,053,670 | 2,298 |
| Average total loans | $198,515,000 | 2,179 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 2,386 |
| Cost of funding earning assets | 0.2659% | 4,398 |
| Net interest margin | 3.9041% | 1,763 |
| Noninterest income to average assets | 0.5834% | 2,493 |
| Noninterest expense to average assets | 2.6655% | 3,261 |
| Loan and lease loss provision to assets | 0.0929% | 1,989 |
| Net operating income to assets | 1.6038% | 672 |
| Return on assets (ROA) | 1.6084% | 683 |
| Pretax return on assets | 1.6084% | 1,211 |
| Return on Equity (ROE) | 13.7185% | 859 |
| Retained earnings to average equity (ytd only) | 8.9118% | 1,113 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1034% | 4,299 |
| Assets per employee ($millions) | 5.5453% | 1,843 |
| Cash dividends to net income (ytd only)* | 35.0379% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 693 |
| Loan loss allowance to noncurrent loans | 4,746.4286% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,182 |
| Noncurrent loans to loans | 0.0417% | 5,029 |
| Net loans and leases to total assets | 77.4104% | 1,213 |
| Net loans and leases to deposits | 92.5036% | 1,272 |
| Net loans and leases to core deposits | 95.2174% | 1,873 |
| Total domestic deposits to total assets | 83.6837% | 3,588 |
| Equity capital to assets | 12.2600% | 1,679 |
| Core capital (leverage) ratio | 11.7725% | 1,772 |
| Tier 1 risk-based capital ratio | 14.6813% | 3,125 |
| Total risk-based capital ratio | 15.9391% | 3,046 |
| Memoranda: | ||
| Average total assets | $262,619,000 | 2,444 |
| Average earning assets | $254,196,000 | 2,365 |
| Average equity | $30,790,500 | 2,312 |
| Average total loans | $196,997,000 | 2,206 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,181 |
| Cost of funding earning assets | 0.2339% | 4,705 |
| Net interest margin | 3.7714% | 2,425 |
| Noninterest income to average assets | 0.6022% | 2,653 |
| Noninterest expense to average assets | 2.4250% | 4,228 |
| Loan and lease loss provision to assets | 0.0197% | 3,977 |
| Net operating income to assets | 1.8175% | 431 |
| Return on assets (ROA) | 1.8175% | 450 |
| Pretax return on assets | 1.8175% | 766 |
| Return on Equity (ROE) | 16.1093% | 498 |
| Retained earnings to average equity (ytd only) | 8.9178% | 603 |
| Net charge-offs to loans | 0.1072% | 2,202 |
| Credit loss provision to net charge-offs | 25.1208% | 3,633 |
| Earnings coverage of net charge-offs (x) | 23.3768% | 1,685 |
| Efficiency ratio | 56.8947% | 4,962 |
| Assets per employee ($millions) | 5.2972% | 2,059 |
| Cash dividends to net income (ytd only)* | 44.6417% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 607 |
| Loan loss allowance to noncurrent loans | 351.4772% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 3,617 |
| Noncurrent loans to loans | 0.5801% | 3,108 |
| Net loans and leases to total assets | 69.8193% | 2,511 |
| Net loans and leases to deposits | 82.3245% | 2,629 |
| Net loans and leases to core deposits | 84.8520% | 2,941 |
| Total domestic deposits to total assets | 84.8099% | 3,129 |
| Equity capital to assets | 11.2187% | 2,400 |
| Core capital (leverage) ratio | 11.4389% | 1,978 |
| Tier 1 risk-based capital ratio | 14.7467% | 3,073 |
| Total risk-based capital ratio | 16.0045% | 3,016 |
| Memoranda: | ||
| Average total assets | $263,386,400 | 2,408 |
| Average earning assets | $255,610,600 | 2,315 |
| Average equity | $29,715,800 | 2,374 |
| Average total loans | $193,118,000 | 2,172 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 2,907 |
| Cost of funding earning assets | 0.2325% | 4,769 |
| Net interest margin | 3.8586% | 2,122 |
| Noninterest income to average assets | 0.5411% | 2,970 |
| Noninterest expense to average assets | 2.4389% | 4,166 |
| Loan and lease loss provision to assets | 0.0199% | 3,844 |
| Net operating income to assets | 1.8280% | 458 |
| Return on assets (ROA) | 1.8280% | 483 |
| Pretax return on assets | 1.8280% | 846 |
| Return on Equity (ROE) | 16.1794% | 526 |
| Retained earnings to average equity (ytd only) | 9.4876% | 692 |
| Net charge-offs to loans | 0.0021% | 3,863 |
| Credit loss provision to net charge-offs | 1,300.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 1,208.9700% | 53 |
| Efficiency ratio | 56.8933% | 4,968 |
| Assets per employee ($millions) | 5.2597% | 2,086 |
| Cash dividends to net income (ytd only)* | 41.3602% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 568 |
| Loan loss allowance to noncurrent loans | 653.4921% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 4,440 |
| Noncurrent loans to loans | 0.3265% | 4,087 |
| Net loans and leases to total assets | 74.7864% | 1,743 |
| Net loans and leases to deposits | 90.3921% | 1,705 |
| Net loans and leases to core deposits | 95.5691% | 2,044 |
| Total domestic deposits to total assets | 82.7356% | 3,692 |
| Equity capital to assets | 12.1715% | 1,997 |
| Core capital (leverage) ratio | 11.4338% | 2,087 |
| Tier 1 risk-based capital ratio | 14.5575% | 3,266 |
| Total risk-based capital ratio | 15.8162% | 3,193 |
| Memoranda: | ||
| Average total assets | $261,694,000 | 2,431 |
| Average earning assets | $254,037,750 | 2,340 |
| Average equity | $29,567,750 | 2,397 |
| Average total loans | $193,260,750 | 2,176 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,209 |
| Cost of funding earning assets | 0.2351% | 4,803 |
| Net interest margin | 3.7741% | 2,428 |
| Noninterest income to average assets | 0.5469% | 2,917 |
| Noninterest expense to average assets | 2.4164% | 4,286 |
| Loan and lease loss provision to assets | 0.0196% | 3,748 |
| Net operating income to assets | 1.7736% | 498 |
| Return on assets (ROA) | 1.7736% | 529 |
| Pretax return on assets | 1.7736% | 932 |
| Return on Equity (ROE) | 16.0928% | 532 |
| Retained earnings to average equity (ytd only) | 9.9518% | 608 |
| Net charge-offs to loans | 0.0031% | 3,597 |
| Credit loss provision to net charge-offs | 866.6667% | 416 |
| Earnings coverage of net charge-offs (x) | 791.3333% | 67 |
| Efficiency ratio | 57.4018% | 4,982 |
| Assets per employee ($millions) | 5.1019% | 2,197 |
| Cash dividends to net income (ytd only)* | 38.1601% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 599 |
| Loan loss allowance to noncurrent loans | 630.4147% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 4,477 |
| Noncurrent loans to loans | 0.3371% | 4,155 |
| Net loans and leases to total assets | 74.0904% | 1,824 |
| Net loans and leases to deposits | 88.0869% | 1,985 |
| Net loans and leases to core deposits | 93.9827% | 2,172 |
| Total domestic deposits to total assets | 84.1106% | 3,222 |
| Equity capital to assets | 11.8736% | 2,215 |
| Core capital (leverage) ratio | 11.4816% | 2,008 |
| Tier 1 risk-based capital ratio | 14.2159% | 3,489 |
| Total risk-based capital ratio | 15.4750% | 3,401 |
| Memoranda: | ||
| Average total assets | $264,769,670 | 2,426 |
| Average earning assets | $256,962,000 | 2,319 |
| Average equity | $29,180,670 | 2,432 |
| Average total loans | $193,371,670 | 2,181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,406 |
| Cost of funding earning assets | 0.2527% | 4,675 |
| Net interest margin | 3.6957% | 2,685 |
| Noninterest income to average assets | 0.6202% | 2,416 |
| Noninterest expense to average assets | 2.4658% | 4,178 |
| Loan and lease loss provision to assets | 0.0193% | 3,439 |
| Net operating income to assets | 1.7151% | 556 |
| Return on assets (ROA) | 1.7151% | 592 |
| Pretax return on assets | 1.7151% | 1,035 |
| Return on Equity (ROE) | 16.1529% | 520 |
| Retained earnings to average equity (ytd only) | 10.2423% | 795 |
| Net charge-offs to loans | 0.0062% | 2,903 |
| Credit loss provision to net charge-offs | 433.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 389.6667% | 156 |
| Efficiency ratio | 58.7072% | 4,914 |
| Assets per employee ($millions) | 5.0371% | 2,302 |
| Cash dividends to net income (ytd only)* | 36.5917% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1221% | 663 |
| Loan loss allowance to noncurrent loans | 672.8618% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 4,631 |
| Noncurrent loans to loans | 0.3154% | 4,301 |
| Net loans and leases to total assets | 72.0377% | 2,030 |
| Net loans and leases to deposits | 84.8162% | 2,212 |
| Net loans and leases to core deposits | 90.2749% | 2,347 |
| Total domestic deposits to total assets | 84.9338% | 3,152 |
| Equity capital to assets | 11.1209% | 2,807 |
| Core capital (leverage) ratio | 10.6809% | 2,756 |
| Tier 1 risk-based capital ratio | 13.6419% | 3,905 |
| Total risk-based capital ratio | 14.9010% | 3,830 |
| Memoranda: | ||
| Average total assets | $269,607,000 | 2,388 |
| Average earning assets | $261,170,000 | 2,296 |
| Average equity | $28,626,500 | 2,468 |
| Average total loans | $193,505,000 | 2,176 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,189 |
| Cost of funding earning assets | 0.2614% | 4,679 |
| Net interest margin | 3.7703% | 2,480 |
| Noninterest income to average assets | 0.5687% | 2,908 |
| Noninterest expense to average assets | 2.5325% | 4,123 |
| Loan and lease loss provision to assets | 0.0365% | 3,616 |
| Net operating income to assets | 1.6787% | 600 |
| Return on assets (ROA) | 1.6928% | 603 |
| Pretax return on assets | 1.6928% | 1,011 |
| Return on Equity (ROE) | 16.2422% | 533 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,142 |
| Net charge-offs to loans | -0.0686% | 5,659 |
| Credit loss provision to net charge-offs | -73.8462% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6205% | 4,959 |
| Assets per employee ($millions) | 5.3324% | 1,971 |
| Cash dividends to net income (ytd only)* | 66.8089% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 685 |
| Loan loss allowance to noncurrent loans | 1,467.9856% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,207 |
| Noncurrent loans to loans | 0.1431% | 4,919 |
| Net loans and leases to total assets | 68.5755% | 2,616 |
| Net loans and leases to deposits | 79.5486% | 2,877 |
| Net loans and leases to core deposits | 85.2736% | 2,852 |
| Total domestic deposits to total assets | 86.2058% | 2,532 |
| Equity capital to assets | 10.1427% | 3,817 |
| Core capital (leverage) ratio | 9.8137% | 3,749 |
| Tier 1 risk-based capital ratio | 13.0342% | 4,283 |
| Total risk-based capital ratio | 14.2924% | 4,190 |
| Memoranda: | ||
| Average total assets | $263,059,000 | 2,398 |
| Average earning assets | $256,691,400 | 2,290 |
| Average equity | $27,416,200 | 2,510 |
| Average total loans | $189,488,600 | 2,160 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 3,014 |
| Cost of funding earning assets | 0.2725% | 4,638 |
| Net interest margin | 3.8091% | 2,349 |
| Noninterest income to average assets | 0.5754% | 2,874 |
| Noninterest expense to average assets | 2.5664% | 3,993 |
| Loan and lease loss provision to assets | 0.0370% | 3,473 |
| Net operating income to assets | 1.6847% | 648 |
| Return on assets (ROA) | 1.7037% | 643 |
| Pretax return on assets | 1.7037% | 1,093 |
| Return on Equity (ROE) | 16.2311% | 559 |
| Retained earnings to average equity (ytd only) | 4.4494% | 3,297 |
| Net charge-offs to loans | -0.0177% | 5,162 |
| Credit loss provision to net charge-offs | -288.0000% | 5,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8490% | 4,913 |
| Assets per employee ($millions) | 6.0735% | 1,318 |
| Cash dividends to net income (ytd only)* | 72.5874% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 890 |
| Loan loss allowance to noncurrent loans | 5,066.6667% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,672 |
| Noncurrent loans to loans | 0.0399% | 5,454 |
| Net loans and leases to total assets | 71.7557% | 2,100 |
| Net loans and leases to deposits | 83.5010% | 2,456 |
| Net loans and leases to core deposits | 89.7704% | 2,490 |
| Total domestic deposits to total assets | 85.9340% | 2,562 |
| Equity capital to assets | 10.3153% | 3,794 |
| Core capital (leverage) ratio | 10.0780% | 3,529 |
| Tier 1 risk-based capital ratio | 12.8701% | 4,509 |
| Total risk-based capital ratio | 14.1276% | 4,427 |
| Memoranda: | ||
| Average total assets | $259,502,750 | 2,444 |
| Average earning assets | $252,932,500 | 2,335 |
| Average equity | $27,239,250 | 2,539 |
| Average total loans | $188,303,250 | 2,186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 2,994 |
| Cost of funding earning assets | 0.2636% | 4,791 |
| Net interest margin | 3.8112% | 2,269 |
| Noninterest income to average assets | 0.6103% | 2,679 |
| Noninterest expense to average assets | 2.6194% | 3,854 |
| Loan and lease loss provision to assets | 0.0374% | 3,369 |
| Net operating income to assets | 1.6674% | 662 |
| Return on assets (ROA) | 1.6674% | 689 |
| Pretax return on assets | 1.6674% | 1,149 |
| Return on Equity (ROE) | 15.7904% | 633 |
| Retained earnings to average equity (ytd only) | 3.5090% | 3,798 |
| Net charge-offs to loans | -0.0237% | 5,226 |
| Credit loss provision to net charge-offs | -218.1818% | 5,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5761% | 4,899 |
| Assets per employee ($millions) | 5.1344% | 2,113 |
| Cash dividends to net income (ytd only)* | 77.7778% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 830 |
| Loan loss allowance to noncurrent loans | 1,286.8852% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 5,396 |
| Noncurrent loans to loans | 0.1647% | 5,104 |
| Net loans and leases to total assets | 69.2041% | 2,452 |
| Net loans and leases to deposits | 80.6100% | 2,709 |
| Net loans and leases to core deposits | 87.7277% | 2,578 |
| Total domestic deposits to total assets | 85.8505% | 2,772 |
| Equity capital to assets | 10.3463% | 3,623 |
| Core capital (leverage) ratio | 10.3092% | 3,210 |
| Tier 1 risk-based capital ratio | 13.2833% | 4,357 |
| Total risk-based capital ratio | 14.5419% | 4,280 |
| Memoranda: | ||
| Average total assets | $256,926,000 | 2,480 |
| Average earning assets | $250,367,000 | 2,365 |
| Average equity | $27,130,330 | 2,559 |
| Average total loans | $185,835,330 | 2,218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,222 |
| Cost of funding earning assets | 0.2711% | 4,772 |
| Net interest margin | 3.7318% | 2,504 |
| Noninterest income to average assets | 0.5879% | 2,714 |
| Noninterest expense to average assets | 2.6346% | 3,808 |
| Loan and lease loss provision to assets | 0.0377% | 3,148 |
| Net operating income to assets | 1.5515% | 774 |
| Return on assets (ROA) | 1.5515% | 817 |
| Pretax return on assets | 1.5515% | 1,387 |
| Return on Equity (ROE) | 14.5417% | 781 |
| Retained earnings to average equity (ytd only) | 8.8105% | 1,266 |
| Net charge-offs to loans | -0.0408% | 5,423 |
| Credit loss provision to net charge-offs | -126.3158% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3744% | 4,738 |
| Assets per employee ($millions) | 5.0023% | 2,353 |
| Cash dividends to net income (ytd only)* | 39.4124% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0738% | 957 |
| Loan loss allowance to noncurrent loans | 908.6247% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,298 |
| Noncurrent loans to loans | 0.2282% | 4,955 |
| Net loans and leases to total assets | 70.7629% | 2,026 |
| Net loans and leases to deposits | 82.6495% | 2,254 |
| Net loans and leases to core deposits | 90.5855% | 2,080 |
| Total domestic deposits to total assets | 85.6181% | 3,128 |
| Equity capital to assets | 10.5752% | 3,456 |
| Core capital (leverage) ratio | 10.5860% | 2,864 |
| Tier 1 risk-based capital ratio | 12.8432% | 4,699 |
| Total risk-based capital ratio | 14.1006% | 4,611 |
| Memoranda: | ||
| Average total assets | $254,462,500 | 2,517 |
| Average earning assets | $247,921,500 | 2,397 |
| Average equity | $27,149,500 | 2,567 |
| Average total loans | $186,184,000 | 2,224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,639 |
| Cost of funding earning assets | 0.2616% | 5,202 |
| Net interest margin | 4.0295% | 1,807 |
| Noninterest income to average assets | 0.5919% | 2,902 |
| Noninterest expense to average assets | 2.7844% | 3,545 |
| Loan and lease loss provision to assets | 0.0545% | 3,464 |
| Net operating income to assets | 1.6521% | 636 |
| Return on assets (ROA) | 1.6714% | 637 |
| Pretax return on assets | 1.6714% | 1,048 |
| Return on Equity (ROE) | 15.6884% | 664 |
| Retained earnings to average equity (ytd only) | 5.5717% | 2,217 |
| Net charge-offs to loans | -0.0005% | 5,323 |
| Credit loss provision to net charge-offs | -13,300.0000% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9995% | 4,918 |
| Assets per employee ($millions) | 4.6075% | 2,865 |
| Cash dividends to net income (ytd only)* | 64.4853% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 964 |
| Loan loss allowance to noncurrent loans | 518.7079% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 4,841 |
| Noncurrent loans to loans | 0.4029% | 4,431 |
| Net loans and leases to total assets | 72.5659% | 1,816 |
| Net loans and leases to deposits | 85.1952% | 2,076 |
| Net loans and leases to core deposits | 92.9745% | 1,995 |
| Total domestic deposits to total assets | 85.1761% | 3,217 |
| Equity capital to assets | 10.7678% | 3,161 |
| Core capital (leverage) ratio | 10.6357% | 2,798 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,102 |
| Total risk-based capital ratio | 15.2514% | 4,024 |
| Memoranda: | ||
| Average total assets | $244,109,800 | 2,582 |
| Average earning assets | $236,208,600 | 2,457 |
| Average equity | $26,006,400 | 2,569 |
| Average total loans | $184,544,400 | 2,178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 2,390 |
| Cost of funding earning assets | 0.2578% | 5,330 |
| Net interest margin | 4.1013% | 1,569 |
| Noninterest income to average assets | 0.5774% | 3,013 |
| Noninterest expense to average assets | 2.7952% | 3,482 |
| Loan and lease loss provision to assets | 0.0730% | 2,882 |
| Net operating income to assets | 1.6734% | 646 |
| Return on assets (ROA) | 1.6992% | 643 |
| Pretax return on assets | 1.6992% | 1,072 |
| Return on Equity (ROE) | 15.9933% | 676 |
| Retained earnings to average equity (ytd only) | 4.9850% | 3,089 |
| Net charge-offs to loans | -0.0224% | 5,645 |
| Credit loss provision to net charge-offs | -429.0323% | 5,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5468% | 4,955 |
| Assets per employee ($millions) | 4.7182% | 2,640 |
| Cash dividends to net income (ytd only)* | 68.8306% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 1,099 |
| Loan loss allowance to noncurrent loans | 400.4124% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 4,736 |
| Noncurrent loans to loans | 0.5223% | 4,367 |
| Net loans and leases to total assets | 74.1179% | 1,507 |
| Net loans and leases to deposits | 86.2230% | 1,884 |
| Net loans and leases to core deposits | 96.6515% | 1,620 |
| Total domestic deposits to total assets | 85.9607% | 2,860 |
| Equity capital to assets | 10.7379% | 3,249 |
| Core capital (leverage) ratio | 10.3814% | 3,182 |
| Tier 1 risk-based capital ratio | 13.7677% | 4,376 |
| Total risk-based capital ratio | 15.0279% | 4,300 |
| Memoranda: | ||
| Average total assets | $242,935,500 | 2,604 |
| Average earning assets | $234,816,250 | 2,488 |
| Average equity | $25,810,250 | 2,596 |
| Average total loans | $184,579,750 | 2,181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 2,354 |
| Cost of funding earning assets | 0.2508% | 5,476 |
| Net interest margin | 4.1059% | 1,487 |
| Noninterest income to average assets | 0.5435% | 3,181 |
| Noninterest expense to average assets | 2.8001% | 3,509 |
| Loan and lease loss provision to assets | 0.0752% | 2,773 |
| Net operating income to assets | 1.6297% | 661 |
| Return on assets (ROA) | 1.6685% | 653 |
| Pretax return on assets | 1.6685% | 1,090 |
| Return on Equity (ROE) | 15.7615% | 679 |
| Retained earnings to average equity (ytd only) | 4.5412% | 3,283 |
| Net charge-offs to loans | 0.1531% | 2,167 |
| Credit loss provision to net charge-offs | 64.5390% | 2,564 |
| Earnings coverage of net charge-offs (x) | 14.6383% | 1,901 |
| Efficiency ratio | 62.1562% | 4,986 |
| Assets per employee ($millions) | 4.4512% | 3,006 |
| Cash dividends to net income (ytd only)* | 71.1881% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 1,303 |
| Loan loss allowance to noncurrent loans | 531.1143% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 5,236 |
| Noncurrent loans to loans | 0.3829% | 4,845 |
| Net loans and leases to total assets | 72.2168% | 1,701 |
| Net loans and leases to deposits | 85.0920% | 1,919 |
| Net loans and leases to core deposits | 94.9414% | 1,691 |
| Total domestic deposits to total assets | 84.8691% | 3,576 |
| Equity capital to assets | 10.6418% | 3,265 |
| Core capital (leverage) ratio | 10.5400% | 2,894 |
| Tier 1 risk-based capital ratio | 13.8608% | 4,343 |
| Total risk-based capital ratio | 15.1199% | 4,290 |
| Memoranda: | ||
| Average total assets | $242,131,670 | 2,617 |
| Average earning assets | $233,614,330 | 2,506 |
| Average equity | $25,632,000 | 2,603 |
| Average total loans | $184,196,330 | 2,184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 1,902 |
| Cost of funding earning assets | 0.2570% | 5,520 |
| Net interest margin | 4.2137% | 1,179 |
| Noninterest income to average assets | 0.5233% | 3,244 |
| Noninterest expense to average assets | 2.8556% | 3,355 |
| Loan and lease loss provision to assets | 0.0465% | 3,165 |
| Net operating income to assets | 1.6795% | 591 |
| Return on assets (ROA) | 1.6795% | 610 |
| Pretax return on assets | 1.6795% | 1,017 |
| Return on Equity (ROE) | 15.9078% | 647 |
| Retained earnings to average equity (ytd only) | 10.2905% | 898 |
| Net charge-offs to loans | 0.3074% | 1,145 |
| Credit loss provision to net charge-offs | 19.5804% | 2,506 |
| Earnings coverage of net charge-offs (x) | 7.2657% | 2,131 |
| Efficiency ratio | 62.3278% | 5,080 |
| Assets per employee ($millions) | 4.4679% | 3,028 |
| Cash dividends to net income (ytd only)* | 35.3116% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 1,621 |
| Loan loss allowance to noncurrent loans | 398.7832% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 5,045 |
| Noncurrent loans to loans | 0.4895% | 4,690 |
| Net loans and leases to total assets | 73.6848% | 1,315 |
| Net loans and leases to deposits | 86.5800% | 1,524 |
| Net loans and leases to core deposits | 98.5485% | 1,200 |
| Total domestic deposits to total assets | 85.1060% | 3,820 |
| Equity capital to assets | 10.4913% | 3,252 |
| Core capital (leverage) ratio | 10.5549% | 2,863 |
| Tier 1 risk-based capital ratio | 13.5768% | 4,619 |
| Total risk-based capital ratio | 14.8350% | 4,570 |
| Memoranda: | ||
| Average total assets | $240,789,000 | 2,638 |
| Average earning assets | $231,909,500 | 2,532 |
| Average equity | $25,421,500 | 2,607 |
| Average total loans | $186,060,000 | 2,173 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 2,140 |
| Cost of funding earning assets | 0.2835% | 5,733 |
| Net interest margin | 4.2334% | 1,263 |
| Noninterest income to average assets | 0.7443% | 2,315 |
| Noninterest expense to average assets | 2.7715% | 3,827 |
| Loan and lease loss provision to assets | 0.2679% | 1,318 |
| Net operating income to assets | 1.7699% | 511 |
| Return on assets (ROA) | 1.7699% | 528 |
| Pretax return on assets | 1.7699% | 811 |
| Return on Equity (ROE) | 16.4602% | 568 |
| Retained earnings to average equity (ytd only) | 4.9417% | 2,636 |
| Net charge-offs to loans | 0.1222% | 3,587 |
| Credit loss provision to net charge-offs | 281.6514% | 804 |
| Earnings coverage of net charge-offs (x) | 21.4266% | 1,496 |
| Efficiency ratio | 57.6288% | 5,778 |
| Assets per employee ($millions) | 4.3674% | 3,147 |
| Cash dividends to net income (ytd only)* | 69.9778% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 1,591 |
| Loan loss allowance to noncurrent loans | 302.1933% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 4,668 |
| Noncurrent loans to loans | 0.6567% | 4,326 |
| Net loans and leases to total assets | 77.9017% | 836 |
| Net loans and leases to deposits | 92.0194% | 1,049 |
| Net loans and leases to core deposits | 104.7535% | 869 |
| Total domestic deposits to total assets | 84.6579% | 3,906 |
| Equity capital to assets | 10.6266% | 3,008 |
| Core capital (leverage) ratio | 10.3119% | 3,135 |
| Tier 1 risk-based capital ratio | 13.1430% | 4,893 |
| Total risk-based capital ratio | 14.4012% | 4,828 |
| Memoranda: | ||
| Average total assets | $229,223,600 | 2,724 |
| Average earning assets | $220,105,600 | 2,617 |
| Average equity | $24,647,400 | 2,663 |
| Average total loans | $178,387,600 | 2,213 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 2,197 |
| Cost of funding earning assets | 0.2877% | 5,831 |
| Net interest margin | 4.2212% | 1,277 |
| Noninterest income to average assets | 0.6539% | 2,865 |
| Noninterest expense to average assets | 2.7203% | 3,946 |
| Loan and lease loss provision to assets | 0.1758% | 2,071 |
| Net operating income to assets | 1.8063% | 518 |
| Return on assets (ROA) | 1.8063% | 540 |
| Pretax return on assets | 1.8063% | 891 |
| Return on Equity (ROE) | 16.7479% | 563 |
| Retained earnings to average equity (ytd only) | 4.3513% | 3,581 |
| Net charge-offs to loans | 0.1249% | 3,283 |
| Credit loss provision to net charge-offs | 181.8182% | 1,333 |
| Earnings coverage of net charge-offs (x) | 20.5034% | 1,588 |
| Efficiency ratio | 57.8495% | 5,711 |
| Assets per employee ($millions) | 4.4992% | 2,887 |
| Cash dividends to net income (ytd only)* | 74.0189% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 2,179 |
| Loan loss allowance to noncurrent loans | 701.6227% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 5,108 |
| Noncurrent loans to loans | 0.2620% | 5,575 |
| Net loans and leases to total assets | 77.4594% | 808 |
| Net loans and leases to deposits | 92.2309% | 969 |
| Net loans and leases to core deposits | 105.4408% | 789 |
| Total domestic deposits to total assets | 83.9842% | 4,190 |
| Equity capital to assets | 10.3909% | 3,401 |
| Core capital (leverage) ratio | 10.6726% | 2,815 |
| Tier 1 risk-based capital ratio | 12.8777% | 5,206 |
| Total risk-based capital ratio | 14.1348% | 5,135 |
| Memoranda: | ||
| Average total assets | $227,569,000 | 2,765 |
| Average earning assets | $218,256,750 | 2,653 |
| Average equity | $24,543,750 | 2,709 |
| Average total loans | $176,123,250 | 2,246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 2,100 |
| Cost of funding earning assets | 0.2936% | 5,879 |
| Net interest margin | 4.2327% | 1,191 |
| Noninterest income to average assets | 0.6600% | 2,856 |
| Noninterest expense to average assets | 2.7052% | 4,009 |
| Loan and lease loss provision to assets | 0.1500% | 2,453 |
| Net operating income to assets | 1.8612% | 456 |
| Return on assets (ROA) | 1.8612% | 488 |
| Pretax return on assets | 1.8612% | 803 |
| Return on Equity (ROE) | 17.0361% | 552 |
| Retained earnings to average equity (ytd only) | 3.8094% | 3,876 |
| Net charge-offs to loans | 0.0012% | 4,895 |
| Credit loss provision to net charge-offs | 16,800.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,252.0000% | 8 |
| Efficiency ratio | 57.3566% | 5,819 |
| Assets per employee ($millions) | 4.1850% | 3,391 |
| Cash dividends to net income (ytd only)* | 77.6392% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 1,922 |
| Loan loss allowance to noncurrent loans | 423.1515% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 4,743 |
| Noncurrent loans to loans | 0.4649% | 5,095 |
| Net loans and leases to total assets | 75.5839% | 1,033 |
| Net loans and leases to deposits | 88.1704% | 1,323 |
| Net loans and leases to core deposits | 98.8051% | 1,156 |
| Total domestic deposits to total assets | 85.7248% | 3,513 |
| Equity capital to assets | 10.4781% | 3,331 |
| Core capital (leverage) ratio | 10.6964% | 2,672 |
| Tier 1 risk-based capital ratio | 13.4683% | 4,790 |
| Total risk-based capital ratio | 14.7268% | 4,742 |
| Memoranda: | ||
| Average total assets | $223,939,000 | 2,803 |
| Average earning assets | $214,613,330 | 2,697 |
| Average equity | $24,465,670 | 2,721 |
| Average total loans | $172,108,330 | 2,291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 1,970 |
| Cost of funding earning assets | 0.3087% | 5,905 |
| Net interest margin | 4.2462% | 1,081 |
| Noninterest income to average assets | 0.6340% | 2,959 |
| Noninterest expense to average assets | 2.6592% | 4,214 |
| Loan and lease loss provision to assets | 0.1522% | 2,344 |
| Net operating income to assets | 1.8839% | 419 |
| Return on assets (ROA) | 1.8839% | 454 |
| Pretax return on assets | 1.8839% | 757 |
| Return on Equity (ROE) | 16.8835% | 520 |
| Retained earnings to average equity (ytd only) | 11.0230% | 869 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6358% | 6,003 |
| Assets per employee ($millions) | 4.6964% | 2,660 |
| Cash dividends to net income (ytd only)* | 34.7115% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 2,205 |
| Loan loss allowance to noncurrent loans | 990.6977% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 5,387 |
| Noncurrent loans to loans | 0.1956% | 5,915 |
| Net loans and leases to total assets | 76.5231% | 775 |
| Net loans and leases to deposits | 88.4889% | 1,095 |
| Net loans and leases to core deposits | 97.2226% | 1,132 |
| Total domestic deposits to total assets | 86.4776% | 3,251 |
| Equity capital to assets | 11.0790% | 2,870 |
| Core capital (leverage) ratio | 11.1554% | 2,132 |
| Tier 1 risk-based capital ratio | 13.5365% | 4,845 |
| Total risk-based capital ratio | 14.7948% | 4,795 |
| Memoranda: | ||
| Average total assets | $220,820,500 | 2,862 |
| Average earning assets | $211,200,000 | 2,761 |
| Average equity | $24,639,500 | 2,742 |
| Average total loans | $169,429,000 | 2,331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 2,015 |
| Cost of funding earning assets | 0.4450% | 5,622 |
| Net interest margin | 4.4058% | 1,152 |
| Noninterest income to average assets | 0.7119% | 2,663 |
| Noninterest expense to average assets | 2.8782% | 3,724 |
| Loan and lease loss provision to assets | 0.3214% | 2,122 |
| Net operating income to assets | 1.7081% | 607 |
| Return on assets (ROA) | 1.7081% | 683 |
| Pretax return on assets | 1.7081% | 1,118 |
| Return on Equity (ROE) | 15.1410% | 790 |
| Retained earnings to average equity (ytd only) | 5.0273% | 2,683 |
| Net charge-offs to loans | 0.0590% | 5,100 |
| Credit loss provision to net charge-offs | 710.5263% | 346 |
| Earnings coverage of net charge-offs (x) | 44.8632% | 732 |
| Efficiency ratio | 58.6454% | 5,743 |
| Assets per employee ($millions) | 4.4126% | 3,121 |
| Cash dividends to net income (ytd only)* | 66.7968% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 1,916 |
| Loan loss allowance to noncurrent loans | 403.8882% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 4,864 |
| Noncurrent loans to loans | 0.5051% | 5,272 |
| Net loans and leases to total assets | 73.8261% | 1,220 |
| Net loans and leases to deposits | 84.9990% | 1,639 |
| Net loans and leases to core deposits | 92.0845% | 1,628 |
| Total domestic deposits to total assets | 86.8552% | 2,907 |
| Equity capital to assets | 11.2407% | 2,694 |
| Core capital (leverage) ratio | 11.0830% | 2,180 |
| Tier 1 risk-based capital ratio | 13.9096% | 4,441 |
| Total risk-based capital ratio | 15.1683% | 4,405 |
| Memoranda: | ||
| Average total assets | $209,994,200 | 2,924 |
| Average earning assets | $199,984,600 | 2,845 |
| Average equity | $23,690,600 | 2,779 |
| Average total loans | $161,045,800 | 2,411 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 1,858 |
| Cost of funding earning assets | 0.4750% | 5,592 |
| Net interest margin | 4.4660% | 1,057 |
| Noninterest income to average assets | 0.6608% | 2,927 |
| Noninterest expense to average assets | 2.8708% | 3,706 |
| Loan and lease loss provision to assets | 0.3838% | 1,679 |
| Net operating income to assets | 1.6580% | 752 |
| Return on assets (ROA) | 1.6580% | 832 |
| Pretax return on assets | 1.6580% | 1,394 |
| Return on Equity (ROE) | 14.6827% | 959 |
| Retained earnings to average equity (ytd only) | 3.9426% | 4,109 |
| Net charge-offs to loans | 0.0764% | 4,641 |
| Credit loss provision to net charge-offs | 652.1739% | 414 |
| Earnings coverage of net charge-offs (x) | 34.6966% | 976 |
| Efficiency ratio | 58.4375% | 5,729 |
| Assets per employee ($millions) | 4.2810% | 3,313 |
| Cash dividends to net income (ytd only)* | 73.1483% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 2,156 |
| Loan loss allowance to noncurrent loans | 336.2978% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 4,592 |
| Noncurrent loans to loans | 0.5961% | 5,249 |
| Net loans and leases to total assets | 75.7831% | 1,004 |
| Net loans and leases to deposits | 87.5432% | 1,410 |
| Net loans and leases to core deposits | 98.8871% | 1,198 |
| Total domestic deposits to total assets | 86.5665% | 2,939 |
| Equity capital to assets | 11.4236% | 2,825 |
| Core capital (leverage) ratio | 10.8419% | 2,552 |
| Tier 1 risk-based capital ratio | 13.7560% | 4,720 |
| Total risk-based capital ratio | 15.0145% | 4,667 |
| Memoranda: | ||
| Average total assets | $208,439,000 | 2,975 |
| Average earning assets | $198,441,000 | 2,882 |
| Average equity | $23,537,250 | 2,820 |
| Average total loans | $160,570,500 | 2,445 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,759 |
| Cost of funding earning assets | 0.4989% | 5,629 |
| Net interest margin | 4.5123% | 970 |
| Noninterest income to average assets | 0.6471% | 2,968 |
| Noninterest expense to average assets | 2.8135% | 3,963 |
| Loan and lease loss provision to assets | 0.4327% | 1,506 |
| Net operating income to assets | 1.6885% | 689 |
| Return on assets (ROA) | 1.6885% | 772 |
| Pretax return on assets | 1.6885% | 1,290 |
| Return on Equity (ROE) | 15.0115% | 937 |
| Retained earnings to average equity (ytd only) | 3.6759% | 4,148 |
| Net charge-offs to loans | -0.0087% | 6,259 |
| Credit loss provision to net charge-offs | -6,428.5714% | 6,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0148% | 5,997 |
| Assets per employee ($millions) | 4.4589% | 2,980 |
| Cash dividends to net income (ytd only)* | 75.5125% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,211 |
| Loan loss allowance to noncurrent loans | 464.5864% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 4,885 |
| Noncurrent loans to loans | 0.4317% | 5,670 |
| Net loans and leases to total assets | 74.6218% | 1,154 |
| Net loans and leases to deposits | 86.8863% | 1,488 |
| Net loans and leases to core deposits | 98.6308% | 1,206 |
| Total domestic deposits to total assets | 85.8844% | 3,412 |
| Equity capital to assets | 11.2397% | 2,852 |
| Core capital (leverage) ratio | 10.9728% | 2,327 |
| Tier 1 risk-based capital ratio | 13.8467% | 4,556 |
| Total risk-based capital ratio | 15.0910% | 4,542 |
| Memoranda: | ||
| Average total assets | $207,996,330 | 2,995 |
| Average earning assets | $197,637,670 | 2,907 |
| Average equity | $23,395,330 | 2,819 |
| Average total loans | $160,020,670 | 2,463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 1,727 |
| Cost of funding earning assets | 0.5129% | 5,732 |
| Net interest margin | 4.5349% | 953 |
| Noninterest income to average assets | 0.6351% | 3,026 |
| Noninterest expense to average assets | 2.8512% | 3,822 |
| Loan and lease loss provision to assets | 0.4343% | 1,443 |
| Net operating income to assets | 1.6679% | 767 |
| Return on assets (ROA) | 1.6679% | 855 |
| Pretax return on assets | 1.6679% | 1,385 |
| Return on Equity (ROE) | 14.8228% | 1,009 |
| Retained earnings to average equity (ytd only) | 11.5117% | 919 |
| Net charge-offs to loans | -0.0100% | 5,943 |
| Credit loss provision to net charge-offs | -5,625.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5604% | 5,967 |
| Assets per employee ($millions) | 4.5622% | 2,877 |
| Cash dividends to net income (ytd only)* | 22.3380% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 2,772 |
| Loan loss allowance to noncurrent loans | 376.8061% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 4,928 |
| Noncurrent loans to loans | 0.4963% | 5,684 |
| Net loans and leases to total assets | 74.3369% | 1,009 |
| Net loans and leases to deposits | 86.5464% | 1,349 |
| Net loans and leases to core deposits | 99.0980% | 1,042 |
| Total domestic deposits to total assets | 85.8926% | 3,596 |
| Equity capital to assets | 11.2817% | 2,641 |
| Core capital (leverage) ratio | 11.1698% | 2,134 |
| Tier 1 risk-based capital ratio | 14.6166% | 4,009 |
| Total risk-based capital ratio | 15.8741% | 3,964 |
| Memoranda: | ||
| Average total assets | $207,209,500 | 3,023 |
| Average earning assets | $197,314,500 | 2,929 |
| Average equity | $23,315,500 | 2,817 |
| Average total loans | $160,238,000 | 2,480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 1,341 |
| Cost of funding earning assets | 0.6508% | 5,820 |
| Net interest margin | 4.7775% | 657 |
| Noninterest income to average assets | 0.3493% | 5,012 |
| Noninterest expense to average assets | 3.0027% | 3,582 |
| Loan and lease loss provision to assets | 0.4130% | 2,529 |
| Net operating income to assets | 1.4776% | 872 |
| Return on assets (ROA) | 1.5312% | 840 |
| Pretax return on assets | 1.5312% | 1,391 |
| Return on Equity (ROE) | 13.4265% | 1,061 |
| Retained earnings to average equity (ytd only) | 6.2281% | 1,891 |
| Net charge-offs to loans | 0.2992% | 3,909 |
| Credit loss provision to net charge-offs | 175.3247% | 1,502 |
| Earnings coverage of net charge-offs (x) | 8.0260% | 2,226 |
| Efficiency ratio | 61.3629% | 5,556 |
| Assets per employee ($millions) | 4.2616% | 3,340 |
| Cash dividends to net income (ytd only)* | 53.6131% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 3,207 |
| Loan loss allowance to noncurrent loans | 325.1185% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 4,905 |
| Noncurrent loans to loans | 0.5226% | 5,667 |
| Net loans and leases to total assets | 77.6087% | 754 |
| Net loans and leases to deposits | 96.6004% | 648 |
| Net loans and leases to core deposits | 102.5165% | 993 |
| Total domestic deposits to total assets | 80.3400% | 5,649 |
| Equity capital to assets | 11.2218% | 2,769 |
| Core capital (leverage) ratio | 11.0842% | 2,205 |
| Tier 1 risk-based capital ratio | 13.7404% | 4,528 |
| Total risk-based capital ratio | 14.9960% | 4,483 |
| Memoranda: | ||
| Average total assets | $196,125,600 | 3,101 |
| Average earning assets | $186,542,000 | 3,012 |
| Average equity | $22,366,200 | 2,853 |
| Average total loans | $154,414,600 | 2,576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5179% | 1,204 |
| Cost of funding earning assets | 0.6698% | 5,934 |
| Net interest margin | 4.8481% | 570 |
| Noninterest income to average assets | 0.5388% | 3,591 |
| Noninterest expense to average assets | 2.9818% | 3,621 |
| Loan and lease loss provision to assets | 0.4020% | 2,439 |
| Net operating income to assets | 1.7661% | 550 |
| Return on assets (ROA) | 1.8383% | 521 |
| Pretax return on assets | 1.8383% | 889 |
| Return on Equity (ROE) | 16.0519% | 679 |
| Retained earnings to average equity (ytd only) | 9.8412% | 885 |
| Net charge-offs to loans | 0.2717% | 3,742 |
| Credit loss provision to net charge-offs | 188.1029% | 1,551 |
| Earnings coverage of net charge-offs (x) | 10.1446% | 1,965 |
| Efficiency ratio | 57.8997% | 6,025 |
| Assets per employee ($millions) | 4.1511% | 3,542 |
| Cash dividends to net income (ytd only)* | 38.6917% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,286 |
| Loan loss allowance to noncurrent loans | 288.0259% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 1.4173% | 4,004 |
| Noncurrent loans to loans | 0.5890% | 5,696 |
| Net loans and leases to total assets | 77.6490% | 751 |
| Net loans and leases to deposits | 96.8422% | 650 |
| Net loans and leases to core deposits | 105.4764% | 895 |
| Total domestic deposits to total assets | 80.1810% | 5,681 |
| Equity capital to assets | 11.6661% | 2,529 |
| Core capital (leverage) ratio | 11.4663% | 2,048 |
| Tier 1 risk-based capital ratio | 14.2697% | 4,148 |
| Total risk-based capital ratio | 15.5192% | 4,109 |
| Memoranda: | ||
| Average total assets | $194,017,750 | 3,146 |
| Average earning assets | $184,533,750 | 3,043 |
| Average equity | $22,219,000 | 2,864 |
| Average total loans | $152,643,750 | 2,625 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 1,406 |
| Cost of funding earning assets | 0.6859% | 6,038 |
| Net interest margin | 4.7671% | 636 |
| Noninterest income to average assets | 0.5263% | 3,656 |
| Noninterest expense to average assets | 3.0374% | 3,495 |
| Loan and lease loss provision to assets | 0.3745% | 2,553 |
| Net operating income to assets | 1.6477% | 671 |
| Return on assets (ROA) | 1.7569% | 582 |
| Pretax return on assets | 1.7569% | 949 |
| Return on Equity (ROE) | 15.4409% | 730 |
| Retained earnings to average equity (ytd only) | 10.2391% | 793 |
| Net charge-offs to loans | -0.1959% | 7,284 |
| Credit loss provision to net charge-offs | -243.2432% | 6,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0329% | 5,869 |
| Assets per employee ($millions) | 4.2851% | 3,187 |
| Cash dividends to net income (ytd only)* | 33.6886% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,833 |
| Loan loss allowance to noncurrent loans | 142.4228% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 3,236 |
| Noncurrent loans to loans | 1.2976% | 4,480 |
| Net loans and leases to total assets | 78.2476% | 742 |
| Net loans and leases to deposits | 96.6228% | 674 |
| Net loans and leases to core deposits | 106.1668% | 928 |
| Total domestic deposits to total assets | 80.9826% | 5,533 |
| Equity capital to assets | 11.4421% | 2,556 |
| Core capital (leverage) ratio | 11.5495% | 1,881 |
| Tier 1 risk-based capital ratio | 14.1224% | 4,083 |
| Total risk-based capital ratio | 15.3808% | 4,046 |
| Memoranda: | ||
| Average total assets | $192,272,670 | 3,194 |
| Average earning assets | $182,837,000 | 3,088 |
| Average equity | $21,877,000 | 2,893 |
| Average total loans | $151,062,330 | 2,667 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 1,568 |
| Cost of funding earning assets | 0.6937% | 6,169 |
| Net interest margin | 4.7035% | 695 |
| Noninterest income to average assets | 0.5141% | 3,773 |
| Noninterest expense to average assets | 3.1456% | 3,088 |
| Loan and lease loss provision to assets | 0.3792% | 2,290 |
| Net operating income to assets | 1.4748% | 923 |
| Return on assets (ROA) | 1.4748% | 963 |
| Pretax return on assets | 1.4748% | 1,519 |
| Return on Equity (ROE) | 13.0000% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.0000% | 593 |
| Net charge-offs to loans | -0.3567% | 7,367 |
| Credit loss provision to net charge-offs | -136.3636% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9161% | 5,539 |
| Assets per employee ($millions) | 4.0757% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,950 |
| Loan loss allowance to noncurrent loans | 134.2588% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 2.0955% | 3,201 |
| Noncurrent loans to loans | 1.3556% | 4,450 |
| Net loans and leases to total assets | 76.2618% | 996 |
| Net loans and leases to deposits | 89.8067% | 1,257 |
| Net loans and leases to core deposits | 97.4946% | 1,564 |
| Total domestic deposits to total assets | 84.9177% | 4,072 |
| Equity capital to assets | 11.4222% | 2,329 |
| Core capital (leverage) ratio | 11.5230% | 1,832 |
| Tier 1 risk-based capital ratio | 14.3943% | 3,810 |
| Total risk-based capital ratio | 15.6378% | 3,775 |
| Memoranda: | ||
| Average total assets | $189,852,000 | 3,250 |
| Average earning assets | $181,058,000 | 3,128 |
| Average equity | $21,538,500 | 2,919 |
| Average total loans | $148,023,000 | 2,738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 1,563 |
| Cost of funding earning assets | 0.9565% | 5,901 |
| Net interest margin | 4.7462% | 738 |
| Noninterest income to average assets | 0.4802% | 4,314 |
| Noninterest expense to average assets | 2.8248% | 4,499 |
| Loan and lease loss provision to assets | 0.3741% | 3,882 |
| Net operating income to assets | 1.7704% | 449 |
| Return on assets (ROA) | 1.6909% | 567 |
| Pretax return on assets | 1.6909% | 961 |
| Return on Equity (ROE) | 15.6542% | 623 |
| Retained earnings to average equity (ytd only) | 4.3585% | 2,790 |
| Net charge-offs to loans | 0.3998% | 4,037 |
| Credit loss provision to net charge-offs | 115.2000% | 3,758 |
| Earnings coverage of net charge-offs (x) | 6.6032% | 2,326 |
| Efficiency ratio | 56.8441% | 6,483 |
| Assets per employee ($millions) | 4.1811% | 3,421 |
| Cash dividends to net income (ytd only)* | 72.1573% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,478 |
| Loan loss allowance to noncurrent loans | 127.8549% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 3,279 |
| Noncurrent loans to loans | 1.2726% | 4,592 |
| Net loans and leases to total assets | 76.9915% | 1,096 |
| Net loans and leases to deposits | 90.9975% | 1,399 |
| Net loans and leases to core deposits | 97.7720% | 1,818 |
| Total domestic deposits to total assets | 84.6084% | 4,053 |
| Equity capital to assets | 11.2661% | 2,440 |
| Core capital (leverage) ratio | 11.0386% | 2,131 |
| Tier 1 risk-based capital ratio | 13.9753% | 3,888 |
| Total risk-based capital ratio | 15.2300% | 3,852 |
| Memoranda: | ||
| Average total assets | $192,438,400 | 3,194 |
| Average earning assets | $182,019,200 | 3,101 |
| Average equity | $20,786,800 | 3,042 |
| Average total loans | $156,314,000 | 2,664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7510% | 1,547 |
| Cost of funding earning assets | 1.0169% | 5,859 |
| Net interest margin | 4.7341% | 774 |
| Noninterest income to average assets | 0.4637% | 4,464 |
| Noninterest expense to average assets | 2.7684% | 4,604 |
| Loan and lease loss provision to assets | 0.3721% | 3,662 |
| Net operating income to assets | 1.7914% | 519 |
| Return on assets (ROA) | 1.6860% | 694 |
| Pretax return on assets | 1.6860% | 1,144 |
| Return on Equity (ROE) | 15.7733% | 735 |
| Retained earnings to average equity (ytd only) | 2.2496% | 4,818 |
| Net charge-offs to loans | 0.3792% | 3,780 |
| Credit loss provision to net charge-offs | 119.7339% | 3,447 |
| Earnings coverage of net charge-offs (x) | 6.9623% | 2,414 |
| Efficiency ratio | 56.1330% | 6,539 |
| Assets per employee ($millions) | 3.8748% | 4,090 |
| Cash dividends to net income (ytd only)* | 85.7374% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,569 |
| Loan loss allowance to noncurrent loans | 86.9723% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 2.6001% | 2,779 |
| Noncurrent loans to loans | 1.8264% | 3,902 |
| Net loans and leases to total assets | 79.6113% | 803 |
| Net loans and leases to deposits | 93.5381% | 1,257 |
| Net loans and leases to core deposits | 101.5632% | 1,697 |
| Total domestic deposits to total assets | 85.1110% | 3,567 |
| Equity capital to assets | 11.2323% | 2,746 |
| Core capital (leverage) ratio | 10.6845% | 2,522 |
| Tier 1 risk-based capital ratio | 13.3834% | 4,288 |
| Total risk-based capital ratio | 14.6355% | 4,250 |
| Memoranda: | ||
| Average total assets | $193,511,000 | 3,230 |
| Average earning assets | $182,640,500 | 3,139 |
| Average equity | $20,684,250 | 3,087 |
| Average total loans | $158,579,000 | 2,680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 1,471 |
| Cost of funding earning assets | 1.0663% | 5,839 |
| Net interest margin | 4.7160% | 795 |
| Noninterest income to average assets | 0.3571% | 5,289 |
| Noninterest expense to average assets | 2.7314% | 4,780 |
| Loan and lease loss provision to assets | 0.3673% | 3,506 |
| Net operating income to assets | 1.7080% | 577 |
| Return on assets (ROA) | 1.6692% | 667 |
| Pretax return on assets | 1.6692% | 1,119 |
| Return on Equity (ROE) | 15.8717% | 717 |
| Retained earnings to average equity (ytd only) | 3.2500% | 4,032 |
| Net charge-offs to loans | 0.5568% | 2,864 |
| Credit loss provision to net charge-offs | 80.1782% | 4,699 |
| Earnings coverage of net charge-offs (x) | 4.5301% | 2,925 |
| Efficiency ratio | 56.8245% | 6,532 |
| Assets per employee ($millions) | 4.3580% | 3,119 |
| Cash dividends to net income (ytd only)* | 79.5232% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,420 |
| Loan loss allowance to noncurrent loans | 98.0062% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 2.2550% | 3,190 |
| Noncurrent loans to loans | 1.4283% | 4,567 |
| Net loans and leases to total assets | 81.2564% | 635 |
| Net loans and leases to deposits | 96.7175% | 984 |
| Net loans and leases to core deposits | 106.1195% | 1,431 |
| Total domestic deposits to total assets | 84.0142% | 4,104 |
| Equity capital to assets | 10.8432% | 3,034 |
| Core capital (leverage) ratio | 10.7705% | 2,418 |
| Tier 1 risk-based capital ratio | 12.7393% | 4,656 |
| Total risk-based capital ratio | 13.9966% | 4,616 |
| Memoranda: | ||
| Average total assets | $196,018,000 | 3,217 |
| Average earning assets | $184,943,330 | 3,138 |
| Average equity | $20,615,330 | 3,091 |
| Average total loans | $161,285,670 | 2,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7659% | 1,572 |
| Cost of funding earning assets | 1.1344% | 5,739 |
| Net interest margin | 4.6315% | 900 |
| Noninterest income to average assets | 0.3432% | 5,394 |
| Noninterest expense to average assets | 2.6747% | 5,034 |
| Loan and lease loss provision to assets | 0.3634% | 3,191 |
| Net operating income to assets | 1.6896% | 629 |
| Return on assets (ROA) | 1.6129% | 783 |
| Pretax return on assets | 1.6129% | 1,234 |
| Return on Equity (ROE) | 15.5697% | 791 |
| Retained earnings to average equity (ytd only) | 6.7229% | 2,258 |
| Net charge-offs to loans | 1.0582% | 1,574 |
| Credit loss provision to net charge-offs | 41.7633% | 4,610 |
| Earnings coverage of net charge-offs (x) | 2.3596% | 3,363 |
| Efficiency ratio | 56.5756% | 6,685 |
| Assets per employee ($millions) | 4.3561% | 3,199 |
| Cash dividends to net income (ytd only)* | 56.8210% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 5,113 |
| Loan loss allowance to noncurrent loans | 85.1683% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4386% | 2,978 |
| Noncurrent loans to loans | 1.4870% | 4,514 |
| Net loans and leases to total assets | 83.3812% | 447 |
| Net loans and leases to deposits | 98.4337% | 871 |
| Net loans and leases to core deposits | 106.4886% | 1,538 |
| Total domestic deposits to total assets | 84.7080% | 3,805 |
| Equity capital to assets | 10.8187% | 2,936 |
| Core capital (leverage) ratio | 10.5659% | 2,561 |
| Tier 1 risk-based capital ratio | 12.5853% | 4,654 |
| Total risk-based capital ratio | 13.8276% | 4,634 |
| Memoranda: | ||
| Average total assets | $198,151,500 | 3,238 |
| Average earning assets | $187,587,000 | 3,151 |
| Average equity | $20,527,000 | 3,127 |
| Average total loans | $162,917,500 | 2,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8149% | 2,593 |
| Cost of funding earning assets | 1.4252% | 5,825 |
| Net interest margin | 4.3897% | 1,462 |
| Noninterest income to average assets | 0.4029% | 5,176 |
| Noninterest expense to average assets | 2.8120% | 4,924 |
| Loan and lease loss provision to assets | 0.3030% | 5,012 |
| Net operating income to assets | 1.4886% | 692 |
| Return on assets (ROA) | 1.4886% | 745 |
| Pretax return on assets | 1.4886% | 1,212 |
| Return on Equity (ROE) | 15.3846% | 615 |
| Retained earnings to average equity (ytd only) | 10.6252% | 312 |
| Net charge-offs to loans | 0.2477% | 5,074 |
| Credit loss provision to net charge-offs | 147.0588% | 3,206 |
| Earnings coverage of net charge-offs (x) | 8.6961% | 1,910 |
| Efficiency ratio | 61.0837% | 6,320 |
| Assets per employee ($millions) | 4.6508% | 2,685 |
| Cash dividends to net income (ytd only)* | 30.9362% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,221 |
| Loan loss allowance to noncurrent loans | 85.2538% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0954% | 3,283 |
| Noncurrent loans to loans | 1.6460% | 4,182 |
| Net loans and leases to total assets | 79.0035% | 1,180 |
| Net loans and leases to deposits | 93.1332% | 1,720 |
| Net loans and leases to core deposits | 112.8068% | 2,615 |
| Total domestic deposits to total assets | 84.8285% | 3,629 |
| Equity capital to assets | 9.9289% | 3,863 |
| Core capital (leverage) ratio | 10.1202% | 2,979 |
| Tier 1 risk-based capital ratio | 12.3128% | 4,667 |
| Total risk-based capital ratio | 13.5603% | 4,634 |
| Memoranda: | ||
| Average total assets | $198,041,800 | 3,205 |
| Average earning assets | $189,512,600 | 3,098 |
| Average equity | $19,162,000 | 3,319 |
| Average total loans | $164,713,000 | 2,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 2,602 |
| Cost of funding earning assets | 1.4913% | 5,859 |
| Net interest margin | 4.3748% | 1,513 |
| Noninterest income to average assets | 0.4026% | 5,259 |
| Noninterest expense to average assets | 2.8357% | 4,738 |
| Loan and lease loss provision to assets | 0.3055% | 4,527 |
| Net operating income to assets | 1.4535% | 905 |
| Return on assets (ROA) | 1.4535% | 966 |
| Pretax return on assets | 1.4535% | 1,546 |
| Return on Equity (ROE) | 15.1253% | 757 |
| Retained earnings to average equity (ytd only) | 9.5655% | 715 |
| Net charge-offs to loans | 0.2385% | 4,557 |
| Credit loss provision to net charge-offs | 152.5424% | 3,132 |
| Earnings coverage of net charge-offs (x) | 8.7831% | 2,201 |
| Efficiency ratio | 61.7169% | 6,161 |
| Assets per employee ($millions) | 4.3390% | 3,139 |
| Cash dividends to net income (ytd only)* | 36.7586% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,103 |
| Loan loss allowance to noncurrent loans | 144.4799% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 3,942 |
| Noncurrent loans to loans | 0.9498% | 5,395 |
| Net loans and leases to total assets | 85.2339% | 413 |
| Net loans and leases to deposits | 102.4542% | 891 |
| Net loans and leases to core deposits | 122.5476% | 2,028 |
| Total domestic deposits to total assets | 83.1922% | 4,123 |
| Equity capital to assets | 10.3108% | 3,719 |
| Core capital (leverage) ratio | 10.2657% | 3,005 |
| Tier 1 risk-based capital ratio | 11.9441% | 5,022 |
| Total risk-based capital ratio | 13.1967% | 4,958 |
| Memoranda: | ||
| Average total assets | $196,393,750 | 3,241 |
| Average earning assets | $188,194,250 | 3,135 |
| Average equity | $18,873,000 | 3,387 |
| Average total loans | $164,899,000 | 2,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7517% | 3,287 |
| Cost of funding earning assets | 1.5716% | 5,833 |
| Net interest margin | 4.1801% | 2,063 |
| Noninterest income to average assets | 0.3985% | 5,307 |
| Noninterest expense to average assets | 2.8070% | 4,932 |
| Loan and lease loss provision to assets | 0.3027% | 4,143 |
| Net operating income to assets | 1.2794% | 1,280 |
| Return on assets (ROA) | 1.2794% | 1,367 |
| Pretax return on assets | 1.2794% | 2,085 |
| Return on Equity (ROE) | 13.6327% | 1,052 |
| Retained earnings to average equity (ytd only) | 8.7086% | 1,009 |
| Net charge-offs to loans | 0.0243% | 6,149 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 78.4000% | 489 |
| Efficiency ratio | 63.9540% | 5,927 |
| Assets per employee ($millions) | 4.3784% | 2,972 |
| Cash dividends to net income (ytd only)* | 36.1199% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 3,532 |
| Loan loss allowance to noncurrent loans | 104.8267% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 4,413 |
| Noncurrent loans to loans | 1.3718% | 4,468 |
| Net loans and leases to total assets | 84.9920% | 507 |
| Net loans and leases to deposits | 103.1791% | 975 |
| Net loans and leases to core deposits | 125.7019% | 1,899 |
| Total domestic deposits to total assets | 82.3733% | 4,532 |
| Equity capital to assets | 9.8515% | 4,150 |
| Core capital (leverage) ratio | 9.8424% | 3,460 |
| Tier 1 risk-based capital ratio | 11.5699% | 5,310 |
| Total risk-based capital ratio | 12.8196% | 5,245 |
| Memoranda: | ||
| Average total assets | $198,219,330 | 3,247 |
| Average earning assets | $189,231,000 | 3,150 |
| Average equity | $18,602,330 | 3,450 |
| Average total loans | $164,868,670 | 2,740 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7509% | 3,525 |
| Cost of funding earning assets | 1.6155% | 5,965 |
| Net interest margin | 4.1354% | 2,140 |
| Noninterest income to average assets | 0.3900% | 5,298 |
| Noninterest expense to average assets | 2.7781% | 4,662 |
| Loan and lease loss provision to assets | 0.2985% | 3,559 |
| Net operating income to assets | 1.2258% | 1,577 |
| Return on assets (ROA) | 1.2258% | 1,681 |
| Pretax return on assets | 1.2258% | 2,527 |
| Return on Equity (ROE) | 13.3811% | 1,295 |
| Retained earnings to average equity (ytd only) | 10.6658% | 1,047 |
| Net charge-offs to loans | -0.0049% | 7,178 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5698% | 5,582 |
| Assets per employee ($millions) | 4.1582% | 3,343 |
| Cash dividends to net income (ytd only)* | 20.2922% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,727 |
| Loan loss allowance to noncurrent loans | 184.5714% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 5,470 |
| Noncurrent loans to loans | 0.7375% | 5,587 |
| Net loans and leases to total assets | 80.4155% | 1,312 |
| Net loans and leases to deposits | 99.1270% | 1,519 |
| Net loans and leases to core deposits | 122.1186% | 2,243 |
| Total domestic deposits to total assets | 81.1237% | 4,913 |
| Equity capital to assets | 9.1856% | 5,105 |
| Core capital (leverage) ratio | 9.5980% | 3,868 |
| Tier 1 risk-based capital ratio | 11.1642% | 5,740 |
| Total risk-based capital ratio | 12.4148% | 5,662 |
| Memoranda: | ||
| Average total assets | $201,003,500 | 3,228 |
| Average earning assets | $190,162,500 | 3,151 |
| Average equity | $18,414,000 | 3,495 |
| Average total loans | $164,239,500 | 2,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3548% | 3,668 |
| Cost of funding earning assets | 2.0894% | 6,100 |
| Net interest margin | 4.2654% | 2,082 |
| Noninterest income to average assets | 0.5412% | 4,308 |
| Noninterest expense to average assets | 2.5261% | 5,905 |
| Loan and lease loss provision to assets | 0.3876% | 3,366 |
| Net operating income to assets | 1.6456% | 761 |
| Return on assets (ROA) | 1.5037% | 975 |
| Pretax return on assets | 1.5037% | 1,676 |
| Return on Equity (ROE) | 16.6002% | 685 |
| Retained earnings to average equity (ytd only) | 0.4613% | 4,965 |
| Net charge-offs to loans | 0.8776% | 1,417 |
| Credit loss provision to net charge-offs | 56.1634% | 6,275 |
| Earnings coverage of net charge-offs (x) | 2.9460% | 4,612 |
| Efficiency ratio | 55.4047% | 7,101 |
| Assets per employee ($millions) | 4.1303% | 3,250 |
| Cash dividends to net income (ytd only)* | 97.2213% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 3,790 |
| Loan loss allowance to noncurrent loans | 241.5808% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 5,897 |
| Noncurrent loans to loans | 0.5377% | 5,750 |
| Net loans and leases to total assets | 80.8357% | 1,484 |
| Net loans and leases to deposits | 103.1029% | 1,452 |
| Net loans and leases to core deposits | 122.3303% | 2,472 |
| Total domestic deposits to total assets | 78.4030% | 5,579 |
| Equity capital to assets | 9.1358% | 5,173 |
| Core capital (leverage) ratio | 9.2278% | 4,395 |
| Tier 1 risk-based capital ratio | 11.1615% | 5,583 |
| Total risk-based capital ratio | 12.3649% | 5,510 |
| Memoranda: | ||
| Average total assets | $198,646,800 | 3,158 |
| Average earning assets | $187,134,600 | 3,081 |
| Average equity | $17,993,800 | 3,559 |
| Average total loans | $156,224,200 | 2,830 |