Home > The Bank of Denver > Performance and Condition Ratios
The Bank of Denver, 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 | 4.8374% | 2,398 |
| Cost of funding earning assets | 1.2331% | 2,717 |
| Net interest margin | 3.6043% | 1,957 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.1651% | 860 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.3588% | 3,945 |
| Return on assets (ROA) | 0.3588% | 3,938 |
| Pretax return on assets | 0.4269% | 3,924 |
| Return on Equity (ROE) | 5.2200% | 3,687 |
| Retained earnings to average equity (ytd only) | 0.6921% | 3,901 |
| Net charge-offs to loans | 0.1112% | 847 |
| Credit loss provision to net charge-offs | 73.5426% | 2,063 |
| Earnings coverage of net charge-offs (x) | 5.9641% | 2,503 |
| Efficiency ratio | 86.6667% | 528 |
| Assets per employee ($millions) | 6.5667% | 2,371 |
| Cash dividends to net income (ytd only)* | 86.7347% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,086 |
| Loan loss allowance to noncurrent loans | 5,226.1905% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,652 |
| Noncurrent loans to loans | 0.0200% | 3,595 |
| Net loans and leases to total assets | 75.2900% | 1,208 |
| Net loans and leases to deposits | 88.0087% | 1,434 |
| Net loans and leases to core deposits | 93.6091% | 1,796 |
| Total domestic deposits to total assets | 85.5400% | 2,150 |
| Equity capital to assets | 7.2215% | 3,853 |
| Core capital (leverage) ratio | 9.1018% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0978% | 2,556 |
| Memoranda: | ||
| Average total assets | $273,137,600 | 2,565 |
| Average earning assets | $260,969,000 | 2,515 |
| Average equity | $18,782,800 | 2,954 |
| Average total loans | $200,534,000 | 2,286 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 2,350 |
| Cost of funding earning assets | 1.1347% | 2,647 |
| Net interest margin | 3.6261% | 1,934 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.8714% | 1,281 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.5843% | 3,583 |
| Return on assets (ROA) | 0.5843% | 3,570 |
| Pretax return on assets | 0.7311% | 3,489 |
| Return on Equity (ROE) | 8.6100% | 3,029 |
| Retained earnings to average equity (ytd only) | 2.4793% | 3,634 |
| Net charge-offs to loans | 0.0599% | 1,073 |
| Credit loss provision to net charge-offs | 184.2697% | 1,175 |
| Earnings coverage of net charge-offs (x) | 18.6292% | 1,856 |
| Efficiency ratio | 77.9697% | 1,014 |
| Assets per employee ($millions) | 5.8682% | 2,868 |
| Cash dividends to net income (ytd only)* | 71.1893% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,595 |
| Loan loss allowance to noncurrent loans | 5,293.1818% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,668 |
| Noncurrent loans to loans | 0.0218% | 3,609 |
| Net loans and leases to total assets | 75.4700% | 1,182 |
| Net loans and leases to deposits | 84.9112% | 1,657 |
| Net loans and leases to core deposits | 91.6577% | 1,820 |
| Total domestic deposits to total assets | 88.8900% | 1,294 |
| Equity capital to assets | 6.4964% | 3,832 |
| Core capital (leverage) ratio | 8.8917% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7888% | 2,350 |
| Memoranda: | ||
| Average total assets | $272,471,500 | 2,568 |
| Average earning assets | $260,620,750 | 2,519 |
| Average equity | $18,499,250 | 2,966 |
| Average total loans | $198,209,250 | 2,301 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 2,413 |
| Cost of funding earning assets | 1.0501% | 2,456 |
| Net interest margin | 3.5503% | 2,154 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.8445% | 1,339 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.5224% | 3,759 |
| Return on assets (ROA) | 0.5224% | 3,768 |
| Pretax return on assets | 0.6517% | 3,698 |
| Return on Equity (ROE) | 7.5900% | 3,342 |
| Retained earnings to average equity (ytd only) | -1.3828% | 4,245 |
| Net charge-offs to loans | -0.0010% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.6777% | 951 |
| Assets per employee ($millions) | 5.9018% | 2,793 |
| Cash dividends to net income (ytd only)* | 118.2197% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,339 |
| Loan loss allowance to noncurrent loans | 30,237.5000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,859 |
| Noncurrent loans to loans | 0.0040% | 3,793 |
| Net loans and leases to total assets | 72.0400% | 1,526 |
| Net loans and leases to deposits | 80.8037% | 1,917 |
| Net loans and leases to core deposits | 85.7010% | 2,092 |
| Total domestic deposits to total assets | 89.1600% | 1,194 |
| Equity capital to assets | 6.8910% | 3,853 |
| Core capital (leverage) ratio | 8.6404% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6826% | 2,406 |
| Memoranda: | ||
| Average total assets | $275,271,667 | 2,554 |
| Average earning assets | $263,412,667 | 2,509 |
| Average equity | $18,947,333 | 2,956 |
| Average total loans | $197,067,000 | 2,309 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 2,427 |
| Cost of funding earning assets | 0.9013% | 2,369 |
| Net interest margin | 3.5480% | 2,245 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8027% | 1,430 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 0.4647% | 3,977 |
| Return on assets (ROA) | 0.4647% | 3,927 |
| Pretax return on assets | 0.5802% | 3,876 |
| Return on Equity (ROE) | 6.7600% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.7551% | 2,566 |
| Net charge-offs to loans | 0.0041% | 1,839 |
| Credit loss provision to net charge-offs | 8,200.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 384 |
| Efficiency ratio | 77.4322% | 1,054 |
| Assets per employee ($millions) | 6.3790% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,382 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.0300% | 1,726 |
| Net loans and leases to deposits | 77.2622% | 2,013 |
| Net loans and leases to core deposits | 82.8023% | 2,075 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 6.8054% | 3,909 |
| Core capital (leverage) ratio | 8.8808% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0528% | 2,369 |
| Memoranda: | ||
| Average total assets | $277,165,500 | 2,575 |
| Average earning assets | $264,938,500 | 2,536 |
| Average equity | $19,067,000 | 2,969 |
| Average total loans | $196,601,500 | 2,332 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 2,368 |
| Cost of funding earning assets | 0.2840% | 3,007 |
| Net interest margin | 3.4787% | 1,996 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.5938% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7455% | 3,495 |
| Return on assets (ROA) | 0.5951% | 3,855 |
| Pretax return on assets | 0.7210% | 3,807 |
| Return on Equity (ROE) | 8.0800% | 3,373 |
| Retained earnings to average equity (ytd only) | 2.3815% | 3,894 |
| Net charge-offs to loans | -0.0122% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1945% | 1,199 |
| Assets per employee ($millions) | 6.3641% | 2,453 |
| Cash dividends to net income (ytd only)* | 70.5244% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,625 |
| Loan loss allowance to noncurrent loans | 20,611.1111% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,908 |
| Noncurrent loans to loans | 0.0046% | 3,844 |
| Net loans and leases to total assets | 71.3200% | 1,490 |
| Net loans and leases to deposits | 76.7993% | 2,051 |
| Net loans and leases to core deposits | 83.1159% | 1,926 |
| Total domestic deposits to total assets | 92.8700% | 438 |
| Equity capital to assets | 6.9551% | 3,693 |
| Core capital (leverage) ratio | 9.1916% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7344% | 2,478 |
| Memoranda: | ||
| Average total assets | $278,775,000 | 2,558 |
| Average earning assets | $261,278,200 | 2,542 |
| Average equity | $20,533,600 | 2,904 |
| Average total loans | $180,137,400 | 2,371 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6642% | 2,154 |
| Cost of funding earning assets | 0.1894% | 3,400 |
| Net interest margin | 3.4748% | 1,738 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.6385% | 1,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6789% | 3,624 |
| Return on assets (ROA) | 0.6789% | 3,585 |
| Pretax return on assets | 0.8327% | 3,503 |
| Return on Equity (ROE) | 9.0900% | 3,004 |
| Retained earnings to average equity (ytd only) | 5.0759% | 3,073 |
| Net charge-offs to loans | -0.0182% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6484% | 1,107 |
| Assets per employee ($millions) | 6.1344% | 2,640 |
| Cash dividends to net income (ytd only)* | 44.1795% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,528 |
| Loan loss allowance to noncurrent loans | 6,306.6667% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,867 |
| Noncurrent loans to loans | 0.0157% | 3,814 |
| Net loans and leases to total assets | 70.0500% | 1,472 |
| Net loans and leases to deposits | 75.2178% | 1,946 |
| Net loans and leases to core deposits | 78.8700% | 1,982 |
| Total domestic deposits to total assets | 93.1400% | 547 |
| Equity capital to assets | 6.6910% | 3,661 |
| Core capital (leverage) ratio | 8.8390% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5681% | 2,232 |
| Memoranda: | ||
| Average total assets | $280,054,750 | 2,570 |
| Average earning assets | $261,112,750 | 2,563 |
| Average equity | $20,908,750 | 2,910 |
| Average total loans | $175,913,750 | 2,413 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4585% | 2,264 |
| Cost of funding earning assets | 0.1358% | 3,765 |
| Net interest margin | 3.3227% | 1,842 |
| Noninterest income to average assets | 0.2561% | 3,638 |
| Noninterest expense to average assets | 2.5445% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6421% | 3,500 |
| Return on assets (ROA) | 0.6421% | 3,448 |
| Pretax return on assets | 0.7840% | 3,367 |
| Return on Equity (ROE) | 8.3263% | 2,926 |
| Retained earnings to average equity (ytd only) | 2.5620% | 3,597 |
| Net charge-offs to loans | -0.0234% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4469% | 1,229 |
| Assets per employee ($millions) | 6.3484% | 2,440 |
| Cash dividends to net income (ytd only)* | 69.2308% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,407 |
| Loan loss allowance to noncurrent loans | 3,308.9286% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,800 |
| Noncurrent loans to loans | 0.0316% | 3,714 |
| Net loans and leases to total assets | 64.2878% | 1,878 |
| Net loans and leases to deposits | 69.0766% | 2,297 |
| Net loans and leases to core deposits | 72.0431% | 2,332 |
| Total domestic deposits to total assets | 93.0673% | 498 |
| Equity capital to assets | 6.8081% | 3,868 |
| Core capital (leverage) ratio | 8.6866% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5287% | 2,282 |
| Memoranda: | ||
| Average total assets | $283,434,667 | 2,571 |
| Average earning assets | $262,079,667 | 2,588 |
| Average equity | $21,858,333 | 2,913 |
| Average total loans | $170,892,000 | 2,456 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3506% | 2,240 |
| Cost of funding earning assets | 0.1378% | 3,663 |
| Net interest margin | 3.2127% | 1,846 |
| Noninterest income to average assets | 0.2522% | 3,637 |
| Noninterest expense to average assets | 2.5539% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5321% | 3,621 |
| Return on assets (ROA) | 0.5321% | 3,590 |
| Pretax return on assets | 0.6374% | 3,538 |
| Return on Equity (ROE) | 6.5376% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.5376% | 2,061 |
| Net charge-offs to loans | -0.0286% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0261% | 1,154 |
| Assets per employee ($millions) | 6.3182% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,368 |
| Loan loss allowance to noncurrent loans | 3,548.0769% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,874 |
| Noncurrent loans to loans | 0.0307% | 3,770 |
| Net loans and leases to total assets | 58.8955% | 2,194 |
| Net loans and leases to deposits | 64.0206% | 2,529 |
| Net loans and leases to core deposits | 66.4325% | 2,591 |
| Total domestic deposits to total assets | 91.9946% | 577 |
| Equity capital to assets | 7.8398% | 3,693 |
| Core capital (leverage) ratio | 8.3106% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0838% | 2,171 |
| Memoranda: | ||
| Average total assets | $288,661,000 | 2,556 |
| Average earning assets | $264,076,000 | 2,591 |
| Average equity | $23,495,000 | 2,870 |
| Average total loans | $167,664,500 | 2,478 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4141% | 2,898 |
| Cost of funding earning assets | 0.1859% | 3,591 |
| Net interest margin | 3.2282% | 2,526 |
| Noninterest income to average assets | 0.2069% | 4,128 |
| Noninterest expense to average assets | 2.4756% | 2,258 |
| Loan and lease loss provision to assets | 0.0357% | 2,334 |
| Net operating income to assets | 0.5146% | 4,053 |
| Return on assets (ROA) | 0.5835% | 3,953 |
| Pretax return on assets | 0.7165% | 3,897 |
| Return on Equity (ROE) | 6.5983% | 3,624 |
| Retained earnings to average equity (ytd only) | 4.0527% | 3,200 |
| Net charge-offs to loans | 0.0019% | 2,580 |
| Credit loss provision to net charge-offs | 3,333.3333% | 199 |
| Earnings coverage of net charge-offs (x) | 622.3333% | 232 |
| Efficiency ratio | 78.7720% | 886 |
| Assets per employee ($millions) | 6.3696% | 2,433 |
| Cash dividends to net income (ytd only)* | 38.5793% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,340 |
| Loan loss allowance to noncurrent loans | 3,215.7895% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,943 |
| Noncurrent loans to loans | 0.0343% | 3,830 |
| Net loans and leases to total assets | 56.0404% | 2,604 |
| Net loans and leases to deposits | 61.3373% | 2,951 |
| Net loans and leases to core deposits | 63.9304% | 2,984 |
| Total domestic deposits to total assets | 91.3643% | 361 |
| Equity capital to assets | 8.4299% | 4,093 |
| Core capital (leverage) ratio | 8.3678% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7737% | 2,330 |
| Memoranda: | ||
| Average total assets | $279,850,600 | 2,537 |
| Average earning assets | $254,505,800 | 2,589 |
| Average equity | $24,748,800 | 2,868 |
| Average total loans | $158,725,000 | 2,558 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 3,186 |
| Cost of funding earning assets | 0.1962% | 3,645 |
| Net interest margin | 3.1760% | 2,808 |
| Noninterest income to average assets | 0.2116% | 4,137 |
| Noninterest expense to average assets | 2.4857% | 2,167 |
| Loan and lease loss provision to assets | 0.0289% | 2,416 |
| Net operating income to assets | 0.4673% | 4,261 |
| Return on assets (ROA) | 0.5602% | 4,122 |
| Pretax return on assets | 0.6913% | 4,077 |
| Return on Equity (ROE) | 6.2570% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.2570% | 2,720 |
| Net charge-offs to loans | 0.0127% | 1,859 |
| Credit loss provision to net charge-offs | 400.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 83.7333% | 954 |
| Efficiency ratio | 80.4117% | 717 |
| Assets per employee ($millions) | 5.7215% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,583 |
| Loan loss allowance to noncurrent loans | 2,145.7831% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,986 |
| Noncurrent loans to loans | 0.0498% | 3,864 |
| Net loans and leases to total assets | 56.5046% | 2,673 |
| Net loans and leases to deposits | 62.0426% | 3,033 |
| Net loans and leases to core deposits | 63.6247% | 3,172 |
| Total domestic deposits to total assets | 91.0738% | 343 |
| Equity capital to assets | 8.6705% | 4,090 |
| Core capital (leverage) ratio | 8.3547% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0357% | 2,350 |
| Memoranda: | ||
| Average total assets | $276,562,500 | 2,580 |
| Average earning assets | $250,746,000 | 2,637 |
| Average equity | $24,761,000 | 2,903 |
| Average total loans | $156,898,000 | 2,608 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 3,153 |
| Cost of funding earning assets | 0.2092% | 3,662 |
| Net interest margin | 3.2013% | 2,753 |
| Noninterest income to average assets | 0.2085% | 4,154 |
| Noninterest expense to average assets | 2.5283% | 2,053 |
| Loan and lease loss provision to assets | 0.0442% | 2,132 |
| Net operating income to assets | 0.4311% | 4,330 |
| Return on assets (ROA) | 0.5731% | 4,092 |
| Pretax return on assets | 0.7080% | 4,049 |
| Return on Equity (ROE) | 6.3300% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.3300% | 2,680 |
| Net charge-offs to loans | 0.0208% | 1,524 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 48.9375% | 1,078 |
| Efficiency ratio | 81.4235% | 705 |
| Assets per employee ($millions) | 5.4149% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,934 |
| Loan loss allowance to noncurrent loans | 1,728.1553% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,007 |
| Noncurrent loans to loans | 0.0694% | 3,842 |
| Net loans and leases to total assets | 53.0605% | 3,247 |
| Net loans and leases to deposits | 58.4687% | 3,501 |
| Net loans and leases to core deposits | 60.1307% | 3,609 |
| Total domestic deposits to total assets | 90.7503% | 460 |
| Equity capital to assets | 8.9919% | 3,806 |
| Core capital (leverage) ratio | 8.9118% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0026% | 1,973 |
| Memoranda: | ||
| Average total assets | $271,485,333 | 2,602 |
| Average earning assets | $245,650,667 | 2,655 |
| Average equity | $24,581,333 | 2,903 |
| Average total loans | $153,644,667 | 2,649 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 2,947 |
| Cost of funding earning assets | 0.2300% | 3,642 |
| Net interest margin | 3.2624% | 2,506 |
| Noninterest income to average assets | 0.2051% | 4,154 |
| Noninterest expense to average assets | 2.5280% | 2,095 |
| Loan and lease loss provision to assets | 0.0892% | 1,485 |
| Net operating income to assets | 0.4316% | 4,310 |
| Return on assets (ROA) | 0.6004% | 4,005 |
| Pretax return on assets | 0.7505% | 3,914 |
| Return on Equity (ROE) | 6.6078% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.6078% | 2,694 |
| Net charge-offs to loans | 0.0640% | 892 |
| Credit loss provision to net charge-offs | 240.0000% | 832 |
| Earnings coverage of net charge-offs (x) | 16.9200% | 1,305 |
| Efficiency ratio | 80.0847% | 819 |
| Assets per employee ($millions) | 5.5735% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,288 |
| Loan loss allowance to noncurrent loans | 1,321.6418% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,023 |
| Noncurrent loans to loans | 0.0856% | 3,878 |
| Net loans and leases to total assets | 56.6955% | 2,956 |
| Net loans and leases to deposits | 62.3898% | 3,283 |
| Net loans and leases to core deposits | 64.7692% | 3,342 |
| Total domestic deposits to total assets | 90.8730% | 444 |
| Equity capital to assets | 8.8703% | 3,815 |
| Core capital (leverage) ratio | 8.7753% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5317% | 2,070 |
| Memoranda: | ||
| Average total assets | $269,148,000 | 2,601 |
| Average earning assets | $243,503,500 | 2,657 |
| Average equity | $24,456,000 | 2,902 |
| Average total loans | $156,311,000 | 2,633 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 2,782 |
| Cost of funding earning assets | 0.3274% | 3,993 |
| Net interest margin | 3.6558% | 1,957 |
| Noninterest income to average assets | 0.2155% | 4,203 |
| Noninterest expense to average assets | 2.8033% | 1,934 |
| Loan and lease loss provision to assets | 0.1342% | 2,681 |
| Net operating income to assets | 0.5496% | 3,907 |
| Return on assets (ROA) | 0.6610% | 3,681 |
| Pretax return on assets | 0.8548% | 3,494 |
| Return on Equity (ROE) | 6.8109% | 3,279 |
| Retained earnings to average equity (ytd only) | -0.6605% | 4,608 |
| Net charge-offs to loans | 0.1722% | 962 |
| Credit loss provision to net charge-offs | 125.0000% | 2,596 |
| Earnings coverage of net charge-offs (x) | 7.8993% | 2,653 |
| Efficiency ratio | 76.7745% | 1,145 |
| Assets per employee ($millions) | 5.5249% | 2,820 |
| Cash dividends to net income (ytd only)* | 109.6970% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,402 |
| Loan loss allowance to noncurrent loans | 868.0000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,958 |
| Noncurrent loans to loans | 0.1282% | 3,767 |
| Net loans and leases to total assets | 58.1757% | 3,068 |
| Net loans and leases to deposits | 64.3661% | 3,407 |
| Net loans and leases to core deposits | 66.1319% | 3,531 |
| Total domestic deposits to total assets | 90.3825% | 424 |
| Equity capital to assets | 9.3090% | 3,779 |
| Core capital (leverage) ratio | 8.8779% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5080% | 2,049 |
| Memoranda: | ||
| Average total assets | $249,638,000 | 2,581 |
| Average earning assets | $234,610,400 | 2,566 |
| Average equity | $24,225,800 | 2,861 |
| Average total loans | $155,625,200 | 2,612 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 2,681 |
| Cost of funding earning assets | 0.3317% | 4,143 |
| Net interest margin | 3.7652% | 1,723 |
| Noninterest income to average assets | 0.2208% | 4,171 |
| Noninterest expense to average assets | 2.8755% | 1,755 |
| Loan and lease loss provision to assets | 0.1697% | 2,300 |
| Net operating income to assets | 0.5767% | 3,841 |
| Return on assets (ROA) | 0.7276% | 3,463 |
| Pretax return on assets | 0.9446% | 3,247 |
| Return on Equity (ROE) | 7.4157% | 3,042 |
| Retained earnings to average equity (ytd only) | -0.1051% | 4,493 |
| Net charge-offs to loans | 0.1852% | 806 |
| Credit loss provision to net charge-offs | 144.4444% | 2,359 |
| Earnings coverage of net charge-offs (x) | 7.8796% | 2,540 |
| Efficiency ratio | 75.6927% | 1,232 |
| Assets per employee ($millions) | 5.1430% | 3,074 |
| Cash dividends to net income (ytd only)* | 101.4169% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,162 |
| Loan loss allowance to noncurrent loans | 1,378.9063% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,187 |
| Noncurrent loans to loans | 0.0804% | 4,048 |
| Net loans and leases to total assets | 62.4765% | 2,948 |
| Net loans and leases to deposits | 69.4798% | 3,353 |
| Net loans and leases to core deposits | 72.3146% | 3,447 |
| Total domestic deposits to total assets | 89.9204% | 456 |
| Equity capital to assets | 9.7466% | 3,478 |
| Core capital (leverage) ratio | 8.6532% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6801% | 1,936 |
| Memoranda: | ||
| Average total assets | $245,748,750 | 2,592 |
| Average earning assets | $233,535,250 | 2,553 |
| Average equity | $24,110,500 | 2,861 |
| Average total loans | $155,527,750 | 2,616 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,861 |
| Cost of funding earning assets | 0.3486% | 4,274 |
| Net interest margin | 3.8170% | 1,785 |
| Noninterest income to average assets | 0.2274% | 4,124 |
| Noninterest expense to average assets | 2.8983% | 1,833 |
| Loan and lease loss provision to assets | 0.1748% | 2,265 |
| Net operating income to assets | 0.5951% | 3,757 |
| Return on assets (ROA) | 0.6878% | 3,533 |
| Pretax return on assets | 0.8930% | 3,332 |
| Return on Equity (ROE) | 6.9950% | 3,135 |
| Retained earnings to average equity (ytd only) | -4.3573% | 4,749 |
| Net charge-offs to loans | 0.1361% | 1,033 |
| Credit loss provision to net charge-offs | 202.8571% | 1,896 |
| Earnings coverage of net charge-offs (x) | 11.0286% | 2,116 |
| Efficiency ratio | 75.3039% | 1,336 |
| Assets per employee ($millions) | 5.1320% | 3,024 |
| Cash dividends to net income (ytd only)* | 162.2912% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,480.8333% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,299 |
| Noncurrent loans to loans | 0.0750% | 4,161 |
| Net loans and leases to total assets | 61.7014% | 3,155 |
| Net loans and leases to deposits | 69.3188% | 3,475 |
| Net loans and leases to core deposits | 72.2671% | 3,576 |
| Total domestic deposits to total assets | 89.0110% | 738 |
| Equity capital to assets | 9.4454% | 3,708 |
| Core capital (leverage) ratio | 9.0846% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3486% | 2,051 |
| Memoranda: | ||
| Average total assets | $243,663,333 | 2,583 |
| Average earning assets | $231,177,667 | 2,543 |
| Average equity | $23,960,000 | 2,858 |
| Average total loans | $154,300,667 | 2,618 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 2,390 |
| Cost of funding earning assets | 0.4254% | 4,256 |
| Net interest margin | 4.0453% | 1,269 |
| Noninterest income to average assets | 0.2563% | 4,006 |
| Noninterest expense to average assets | 3.0726% | 1,713 |
| Loan and lease loss provision to assets | 0.0843% | 2,638 |
| Net operating income to assets | 0.6965% | 3,285 |
| Return on assets (ROA) | 0.8870% | 2,658 |
| Pretax return on assets | 1.1737% | 2,292 |
| Return on Equity (ROE) | 8.8324% | 2,178 |
| Retained earnings to average equity (ytd only) | 8.8324% | 1,018 |
| Net charge-offs to loans | 0.2510% | 581 |
| Credit loss provision to net charge-offs | 52.6316% | 2,045 |
| Earnings coverage of net charge-offs (x) | 6.3474% | 1,991 |
| Efficiency ratio | 75.1340% | 1,672 |
| Assets per employee ($millions) | 4.7422% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,373 |
| Loan loss allowance to noncurrent loans | 1,353.3333% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,340 |
| Noncurrent loans to loans | 0.0787% | 4,198 |
| Net loans and leases to total assets | 63.5981% | 3,115 |
| Net loans and leases to deposits | 70.9664% | 3,513 |
| Net loans and leases to core deposits | 74.5112% | 3,604 |
| Total domestic deposits to total assets | 89.6171% | 440 |
| Equity capital to assets | 10.1075% | 3,686 |
| Core capital (leverage) ratio | 9.9985% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7195% | 1,682 |
| Memoranda: | ||
| Average total assets | $237,194,000 | 2,575 |
| Average earning assets | $224,755,500 | 2,540 |
| Average equity | $23,821,500 | 2,862 |
| Average total loans | $151,399,000 | 2,625 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 962 |
| Cost of funding earning assets | 0.4875% | 4,144 |
| Net interest margin | 4.7270% | 439 |
| Noninterest income to average assets | 0.2637% | 4,099 |
| Noninterest expense to average assets | 3.1237% | 1,706 |
| Loan and lease loss provision to assets | 0.2024% | 1,005 |
| Net operating income to assets | 1.0771% | 2,535 |
| Return on assets (ROA) | 1.0953% | 2,562 |
| Pretax return on assets | 1.4378% | 2,023 |
| Return on Equity (ROE) | 10.8480% | 1,946 |
| Retained earnings to average equity (ytd only) | 4.1246% | 2,902 |
| Net charge-offs to loans | 0.1720% | 1,174 |
| Credit loss provision to net charge-offs | 172.8625% | 1,502 |
| Earnings coverage of net charge-offs (x) | 13.8141% | 2,325 |
| Efficiency ratio | 65.8895% | 2,786 |
| Assets per employee ($millions) | 4.5630% | 3,134 |
| Cash dividends to net income (ytd only)* | 61.9785% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 2,893 |
| Loan loss allowance to noncurrent loans | 510.3976% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 3,949 |
| Noncurrent loans to loans | 0.2175% | 3,676 |
| Net loans and leases to total assets | 62.6723% | 3,340 |
| Net loans and leases to deposits | 69.7552% | 3,692 |
| Net loans and leases to core deposits | 72.8888% | 3,803 |
| Total domestic deposits to total assets | 89.8460% | 370 |
| Equity capital to assets | 9.9786% | 3,941 |
| Core capital (leverage) ratio | 9.8195% | 3,710 |
| Tier 1 risk-based capital ratio | 14.6369% | 2,938 |
| Total risk-based capital ratio | 15.6781% | 2,957 |
| Memoranda: | ||
| Average total assets | $229,789,800 | 2,579 |
| Average earning assets | $217,644,200 | 2,547 |
| Average equity | $23,202,400 | 2,854 |
| Average total loans | $156,386,800 | 2,553 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 624 |
| Cost of funding earning assets | 0.4771% | 4,231 |
| Net interest margin | 4.9905% | 297 |
| Noninterest income to average assets | 0.2609% | 4,179 |
| Noninterest expense to average assets | 3.0899% | 1,734 |
| Loan and lease loss provision to assets | 0.1667% | 1,118 |
| Net operating income to assets | 1.3175% | 1,781 |
| Return on assets (ROA) | 1.3420% | 1,744 |
| Pretax return on assets | 1.7655% | 1,167 |
| Return on Equity (ROE) | 13.2500% | 1,192 |
| Retained earnings to average equity (ytd only) | 8.3982% | 1,243 |
| Net charge-offs to loans | 0.2018% | 865 |
| Credit loss provision to net charge-offs | 119.2469% | 1,964 |
| Earnings coverage of net charge-offs (x) | 13.5983% | 2,283 |
| Efficiency ratio | 61.9081% | 3,341 |
| Assets per employee ($millions) | 4.6391% | 2,990 |
| Cash dividends to net income (ytd only)* | 36.6172% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,674 |
| Loan loss allowance to noncurrent loans | 1,299.1453% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,461 |
| Noncurrent loans to loans | 0.0756% | 4,302 |
| Net loans and leases to total assets | 66.0893% | 3,039 |
| Net loans and leases to deposits | 74.2665% | 3,455 |
| Net loans and leases to core deposits | 76.7349% | 3,645 |
| Total domestic deposits to total assets | 88.9893% | 613 |
| Equity capital to assets | 10.5102% | 3,534 |
| Core capital (leverage) ratio | 10.4242% | 3,164 |
| Tier 1 risk-based capital ratio | 15.2595% | 2,735 |
| Total risk-based capital ratio | 16.2275% | 2,790 |
| Memoranda: | ||
| Average total assets | $227,918,000 | 2,616 |
| Average earning assets | $216,031,750 | 2,583 |
| Average equity | $23,083,750 | 2,882 |
| Average total loans | $157,889,500 | 2,558 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 2,502 |
| Cost of funding earning assets | 0.4623% | 4,275 |
| Net interest margin | 4.1922% | 1,388 |
| Noninterest income to average assets | 0.2516% | 4,249 |
| Noninterest expense to average assets | 3.0613% | 1,834 |
| Loan and lease loss provision to assets | 0.1986% | 864 |
| Net operating income to assets | 0.7478% | 3,840 |
| Return on assets (ROA) | 0.7847% | 3,770 |
| Pretax return on assets | 1.0090% | 3,516 |
| Return on Equity (ROE) | 7.8492% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.0814% | 3,678 |
| Net charge-offs to loans | 0.1825% | 902 |
| Credit loss provision to net charge-offs | 155.1724% | 1,450 |
| Earnings coverage of net charge-offs (x) | 9.0690% | 2,361 |
| Efficiency ratio | 72.5068% | 1,840 |
| Assets per employee ($millions) | 4.2190% | 3,550 |
| Cash dividends to net income (ytd only)* | 60.7424% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,742 |
| Loan loss allowance to noncurrent loans | 45.2270% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 722 |
| Noncurrent loans to loans | 2.1670% | 628 |
| Net loans and leases to total assets | 70.2148% | 2,501 |
| Net loans and leases to deposits | 78.4853% | 3,112 |
| Net loans and leases to core deposits | 81.0956% | 3,333 |
| Total domestic deposits to total assets | 89.4624% | 488 |
| Equity capital to assets | 10.3203% | 3,675 |
| Core capital (leverage) ratio | 10.0132% | 3,570 |
| Tier 1 risk-based capital ratio | 13.9834% | 3,325 |
| Total risk-based capital ratio | 14.9348% | 3,385 |
| Memoranda: | ||
| Average total assets | $226,572,000 | 2,634 |
| Average earning assets | $214,590,000 | 2,603 |
| Average equity | $22,652,000 | 2,914 |
| Average total loans | $158,913,330 | 2,550 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 2,115 |
| Cost of funding earning assets | 0.4399% | 4,332 |
| Net interest margin | 4.2904% | 1,110 |
| Noninterest income to average assets | 0.2385% | 4,299 |
| Noninterest expense to average assets | 3.1203% | 1,685 |
| Loan and lease loss provision to assets | 0.0351% | 2,923 |
| Net operating income to assets | 0.8928% | 3,256 |
| Return on assets (ROA) | 0.8928% | 3,311 |
| Pretax return on assets | 1.1541% | 2,965 |
| Return on Equity (ROE) | 9.0733% | 2,779 |
| Retained earnings to average equity (ytd only) | 9.0733% | 1,298 |
| Net charge-offs to loans | 0.0427% | 1,664 |
| Credit loss provision to net charge-offs | 117.6471% | 1,428 |
| Earnings coverage of net charge-offs (x) | 39.8824% | 1,156 |
| Efficiency ratio | 72.4054% | 1,973 |
| Assets per employee ($millions) | 5.0742% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,983 |
| Loan loss allowance to noncurrent loans | 1,127.4809% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,538 |
| Noncurrent loans to loans | 0.0837% | 4,380 |
| Net loans and leases to total assets | 66.4095% | 2,988 |
| Net loans and leases to deposits | 73.8666% | 3,464 |
| Net loans and leases to core deposits | 76.3388% | 3,639 |
| Total domestic deposits to total assets | 89.9046% | 487 |
| Equity capital to assets | 9.8036% | 4,009 |
| Core capital (leverage) ratio | 9.7874% | 3,827 |
| Tier 1 risk-based capital ratio | 13.7692% | 3,462 |
| Total risk-based capital ratio | 14.6523% | 3,571 |
| Memoranda: | ||
| Average total assets | $228,054,000 | 2,655 |
| Average earning assets | $216,389,500 | 2,618 |
| Average equity | $22,439,500 | 2,930 |
| Average total loans | $159,090,000 | 2,567 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 1,672 |
| Cost of funding earning assets | 0.3057% | 4,551 |
| Net interest margin | 4.4475% | 844 |
| Noninterest income to average assets | 0.2913% | 4,156 |
| Noninterest expense to average assets | 3.0941% | 1,817 |
| Loan and lease loss provision to assets | 0.2098% | 889 |
| Net operating income to assets | 0.9170% | 3,376 |
| Return on assets (ROA) | 0.9170% | 3,365 |
| Pretax return on assets | 1.1859% | 2,929 |
| Return on Equity (ROE) | 9.2922% | 2,841 |
| Retained earnings to average equity (ytd only) | 4.6971% | 2,935 |
| Net charge-offs to loans | 0.1421% | 1,334 |
| Credit loss provision to net charge-offs | 202.6549% | 1,419 |
| Earnings coverage of net charge-offs (x) | 13.4823% | 2,451 |
| Efficiency ratio | 68.9145% | 2,405 |
| Assets per employee ($millions) | 4.4539% | 3,237 |
| Cash dividends to net income (ytd only)* | 49.4505% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,107 |
| Loan loss allowance to noncurrent loans | 1,218.1818% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,574 |
| Noncurrent loans to loans | 0.0748% | 4,418 |
| Net loans and leases to total assets | 71.9463% | 2,267 |
| Net loans and leases to deposits | 79.9772% | 2,957 |
| Net loans and leases to core deposits | 82.6417% | 3,210 |
| Total domestic deposits to total assets | 89.9584% | 491 |
| Equity capital to assets | 9.8772% | 3,785 |
| Core capital (leverage) ratio | 10.1004% | 3,462 |
| Tier 1 risk-based capital ratio | 13.4339% | 3,589 |
| Total risk-based capital ratio | 14.3138% | 3,699 |
| Memoranda: | ||
| Average total assets | $218,320,000 | 2,708 |
| Average earning assets | $206,092,200 | 2,670 |
| Average equity | $21,545,000 | 2,934 |
| Average total loans | $159,001,000 | 2,539 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 1,604 |
| Cost of funding earning assets | 0.2671% | 4,693 |
| Net interest margin | 4.4574% | 807 |
| Noninterest income to average assets | 0.2952% | 4,173 |
| Noninterest expense to average assets | 3.1420% | 1,666 |
| Loan and lease loss provision to assets | 0.2498% | 631 |
| Net operating income to assets | 0.8544% | 3,718 |
| Return on assets (ROA) | 0.8544% | 3,726 |
| Pretax return on assets | 1.1024% | 3,392 |
| Return on Equity (ROE) | 8.6596% | 3,260 |
| Retained earnings to average equity (ytd only) | 5.8602% | 2,726 |
| Net charge-offs to loans | 0.1659% | 998 |
| Credit loss provision to net charge-offs | 206.5990% | 1,343 |
| Earnings coverage of net charge-offs (x) | 11.1827% | 2,535 |
| Efficiency ratio | 69.9126% | 2,201 |
| Assets per employee ($millions) | 4.4292% | 3,231 |
| Cash dividends to net income (ytd only)* | 32.3279% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,294 |
| Loan loss allowance to noncurrent loans | 1,728.5714% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,795 |
| Noncurrent loans to loans | 0.0516% | 4,663 |
| Net loans and leases to total assets | 72.8518% | 2,197 |
| Net loans and leases to deposits | 82.4782% | 2,764 |
| Net loans and leases to core deposits | 85.3230% | 3,063 |
| Total domestic deposits to total assets | 88.3285% | 1,104 |
| Equity capital to assets | 9.7868% | 3,833 |
| Core capital (leverage) ratio | 9.8401% | 3,807 |
| Tier 1 risk-based capital ratio | 13.3232% | 3,718 |
| Total risk-based capital ratio | 14.1855% | 3,850 |
| Memoranda: | ||
| Average total assets | $217,226,500 | 2,730 |
| Average earning assets | $204,629,000 | 2,700 |
| Average equity | $21,432,250 | 2,958 |
| Average total loans | $158,327,750 | 2,559 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,760 |
| Cost of funding earning assets | 0.2348% | 4,824 |
| Net interest margin | 4.3722% | 899 |
| Noninterest income to average assets | 0.3086% | 4,105 |
| Noninterest expense to average assets | 3.2667% | 1,396 |
| Loan and lease loss provision to assets | 0.2604% | 589 |
| Net operating income to assets | 0.7080% | 4,175 |
| Return on assets (ROA) | 0.7080% | 4,176 |
| Pretax return on assets | 0.9054% | 3,948 |
| Return on Equity (ROE) | 7.1563% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.9412% | 4,074 |
| Net charge-offs to loans | 0.1721% | 905 |
| Credit loss provision to net charge-offs | 208.1481% | 1,271 |
| Earnings coverage of net charge-offs (x) | 9.3185% | 2,403 |
| Efficiency ratio | 73.6985% | 1,748 |
| Assets per employee ($millions) | 4.3880% | 3,297 |
| Cash dividends to net income (ytd only)* | 58.9005% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,508 |
| Loan loss allowance to noncurrent loans | 1,128.4553% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,750 |
| Noncurrent loans to loans | 0.0763% | 4,579 |
| Net loans and leases to total assets | 71.4217% | 2,377 |
| Net loans and leases to deposits | 78.9877% | 3,053 |
| Net loans and leases to core deposits | 81.8616% | 3,258 |
| Total domestic deposits to total assets | 90.4213% | 425 |
| Equity capital to assets | 9.4701% | 4,137 |
| Core capital (leverage) ratio | 9.6662% | 3,922 |
| Tier 1 risk-based capital ratio | 12.8248% | 3,994 |
| Total risk-based capital ratio | 13.6410% | 4,141 |
| Memoranda: | ||
| Average total assets | $215,814,670 | 2,760 |
| Average earning assets | $203,560,000 | 2,721 |
| Average equity | $21,351,670 | 2,983 |
| Average total loans | $156,840,000 | 2,585 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 1,787 |
| Cost of funding earning assets | 0.1924% | 5,063 |
| Net interest margin | 4.3346% | 892 |
| Noninterest income to average assets | 0.3512% | 3,797 |
| Noninterest expense to average assets | 3.1006% | 1,821 |
| Loan and lease loss provision to assets | 0.2455% | 610 |
| Net operating income to assets | 0.8441% | 3,531 |
| Return on assets (ROA) | 0.8441% | 3,548 |
| Pretax return on assets | 1.0896% | 3,210 |
| Return on Equity (ROE) | 8.3431% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.3431% | 1,713 |
| Net charge-offs to loans | 0.2871% | 537 |
| Credit loss provision to net charge-offs | 117.1171% | 1,403 |
| Earnings coverage of net charge-offs (x) | 6.3694% | 2,166 |
| Efficiency ratio | 69.9021% | 2,496 |
| Assets per employee ($millions) | 4.3825% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 4,768 |
| Loan loss allowance to noncurrent loans | 2,379.2453% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 4,993 |
| Noncurrent loans to loans | 0.0340% | 4,814 |
| Net loans and leases to total assets | 71.9623% | 2,171 |
| Net loans and leases to deposits | 80.0765% | 2,802 |
| Net loans and leases to core deposits | 82.5855% | 3,096 |
| Total domestic deposits to total assets | 89.8670% | 712 |
| Equity capital to assets | 9.9836% | 3,613 |
| Core capital (leverage) ratio | 10.3651% | 3,101 |
| Tier 1 risk-based capital ratio | 13.2222% | 3,835 |
| Total risk-based capital ratio | 13.9821% | 3,990 |
| Memoranda: | ||
| Average total assets | $211,827,500 | 2,823 |
| Average earning assets | $199,605,000 | 2,789 |
| Average equity | $21,431,000 | 3,001 |
| Average total loans | $154,649,000 | 2,636 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 1,566 |
| Cost of funding earning assets | 0.1627% | 5,195 |
| Net interest margin | 4.3860% | 794 |
| Noninterest income to average assets | 0.2933% | 4,362 |
| Noninterest expense to average assets | 2.8672% | 2,560 |
| Loan and lease loss provision to assets | 0.2309% | 842 |
| Net operating income to assets | 0.9020% | 2,700 |
| Return on assets (ROA) | 0.9061% | 2,699 |
| Pretax return on assets | 1.3372% | 2,223 |
| Return on Equity (ROE) | 8.4882% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.3038% | 3,321 |
| Net charge-offs to loans | 0.1167% | 1,879 |
| Credit loss provision to net charge-offs | 271.5976% | 1,030 |
| Earnings coverage of net charge-offs (x) | 18.3728% | 2,078 |
| Efficiency ratio | 64.7319% | 3,491 |
| Assets per employee ($millions) | 4.3523% | 3,408 |
| Cash dividends to net income (ytd only)* | 61.0772% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,799 |
| Loan loss allowance to noncurrent loans | 2,957.1429% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,056 |
| Noncurrent loans to loans | 0.0274% | 4,891 |
| Net loans and leases to total assets | 72.8828% | 2,103 |
| Net loans and leases to deposits | 84.5270% | 2,436 |
| Net loans and leases to core deposits | 86.4761% | 2,876 |
| Total domestic deposits to total assets | 86.2243% | 2,341 |
| Equity capital to assets | 10.2546% | 3,429 |
| Core capital (leverage) ratio | 10.3918% | 2,974 |
| Tier 1 risk-based capital ratio | 13.1395% | 3,822 |
| Total risk-based capital ratio | 13.8987% | 4,010 |
| Memoranda: | ||
| Average total assets | $198,767,400 | 2,934 |
| Average earning assets | $187,438,200 | 2,888 |
| Average equity | $21,217,800 | 3,018 |
| Average total loans | $144,855,800 | 2,709 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 1,607 |
| Cost of funding earning assets | 0.1549% | 5,288 |
| Net interest margin | 4.3578% | 807 |
| Noninterest income to average assets | 0.2990% | 4,391 |
| Noninterest expense to average assets | 2.8666% | 2,518 |
| Loan and lease loss provision to assets | 0.2616% | 645 |
| Net operating income to assets | 0.8710% | 3,172 |
| Return on assets (ROA) | 0.8765% | 3,188 |
| Pretax return on assets | 1.2889% | 2,547 |
| Return on Equity (ROE) | 8.1259% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.8582% | 2,333 |
| Net charge-offs to loans | 0.1346% | 1,449 |
| Credit loss provision to net charge-offs | 267.3611% | 1,080 |
| Earnings coverage of net charge-offs (x) | 15.7635% | 2,204 |
| Efficiency ratio | 65.0177% | 3,376 |
| Assets per employee ($millions) | 4.7303% | 2,794 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 4,918 |
| Loan loss allowance to noncurrent loans | 2,386.0000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,127 |
| Noncurrent loans to loans | 0.0331% | 4,973 |
| Net loans and leases to total assets | 73.5896% | 1,980 |
| Net loans and leases to deposits | 82.6785% | 2,695 |
| Net loans and leases to core deposits | 84.8230% | 3,060 |
| Total domestic deposits to total assets | 89.0069% | 888 |
| Equity capital to assets | 10.7217% | 3,144 |
| Core capital (leverage) ratio | 10.4228% | 3,061 |
| Tier 1 risk-based capital ratio | 13.6345% | 3,618 |
| Total risk-based capital ratio | 14.3834% | 3,827 |
| Memoranda: | ||
| Average total assets | $196,231,250 | 2,983 |
| Average earning assets | $185,075,500 | 2,940 |
| Average equity | $21,166,500 | 3,043 |
| Average total loans | $142,694,000 | 2,757 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 1,817 |
| Cost of funding earning assets | 0.1490% | 5,342 |
| Net interest margin | 4.2498% | 976 |
| Noninterest income to average assets | 0.3054% | 4,351 |
| Noninterest expense to average assets | 2.9220% | 2,355 |
| Loan and lease loss provision to assets | 0.1496% | 1,356 |
| Net operating income to assets | 0.8449% | 3,181 |
| Return on assets (ROA) | 0.8533% | 3,192 |
| Pretax return on assets | 1.2495% | 2,581 |
| Return on Equity (ROE) | 7.8940% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.4577% | 3,057 |
| Net charge-offs to loans | 0.1115% | 1,519 |
| Credit loss provision to net charge-offs | 185.8974% | 1,337 |
| Earnings coverage of net charge-offs (x) | 17.2308% | 1,936 |
| Efficiency ratio | 67.8161% | 3,045 |
| Assets per employee ($millions) | 4.3741% | 3,307 |
| Cash dividends to net income (ytd only)* | 43.5308% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6746% | 5,255 |
| Loan loss allowance to noncurrent loans | 27.6977% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 717 |
| Noncurrent loans to loans | 2.4355% | 632 |
| Net loans and leases to total assets | 76.2268% | 1,513 |
| Net loans and leases to deposits | 85.7872% | 2,245 |
| Net loans and leases to core deposits | 87.8039% | 2,717 |
| Total domestic deposits to total assets | 88.8556% | 1,028 |
| Equity capital to assets | 10.8273% | 3,003 |
| Core capital (leverage) ratio | 10.8765% | 2,529 |
| Tier 1 risk-based capital ratio | 13.5229% | 3,693 |
| Total risk-based capital ratio | 14.1711% | 3,968 |
| Memoranda: | ||
| Average total assets | $193,841,330 | 3,022 |
| Average earning assets | $182,597,330 | 2,978 |
| Average equity | $20,952,670 | 3,066 |
| Average total loans | $139,967,000 | 2,807 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 1,828 |
| Cost of funding earning assets | 0.1482% | 5,388 |
| Net interest margin | 4.1977% | 996 |
| Noninterest income to average assets | 0.3078% | 4,357 |
| Noninterest expense to average assets | 2.9738% | 2,232 |
| Loan and lease loss provision to assets | 0.1352% | 1,419 |
| Net operating income to assets | 0.7902% | 3,267 |
| Return on assets (ROA) | 0.7902% | 3,325 |
| Pretax return on assets | 1.1459% | 2,790 |
| Return on Equity (ROE) | 7.3172% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.3172% | 1,739 |
| Net charge-offs to loans | 0.1637% | 992 |
| Credit loss provision to net charge-offs | 118.1818% | 1,414 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,903 |
| Efficiency ratio | 69.8925% | 2,912 |
| Assets per employee ($millions) | 4.4642% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 5,321 |
| Loan loss allowance to noncurrent loans | 25.4565% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.9686% | 671 |
| Noncurrent loans to loans | 2.7305% | 542 |
| Net loans and leases to total assets | 71.5967% | 2,131 |
| Net loans and leases to deposits | 80.6427% | 2,661 |
| Net loans and leases to core deposits | 82.7849% | 3,013 |
| Total domestic deposits to total assets | 88.7826% | 1,265 |
| Equity capital to assets | 10.9299% | 2,711 |
| Core capital (leverage) ratio | 10.6281% | 2,764 |
| Tier 1 risk-based capital ratio | 14.4539% | 3,227 |
| Total risk-based capital ratio | 15.1099% | 3,479 |
| Memoranda: | ||
| Average total assets | $192,344,500 | 3,063 |
| Average earning assets | $180,862,500 | 3,023 |
| Average equity | $20,773,000 | 3,097 |
| Average total loans | $134,420,500 | 2,898 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,496 |
| Cost of funding earning assets | 0.1546% | 5,392 |
| Net interest margin | 4.0423% | 1,518 |
| Noninterest income to average assets | 0.3296% | 4,374 |
| Noninterest expense to average assets | 2.9505% | 2,498 |
| Loan and lease loss provision to assets | 0.0188% | 4,001 |
| Net operating income to assets | 0.7673% | 3,463 |
| Return on assets (ROA) | 0.7909% | 3,449 |
| Pretax return on assets | 1.1350% | 2,949 |
| Return on Equity (ROE) | 7.1313% | 3,397 |
| Retained earnings to average equity (ytd only) | 3.6526% | 3,321 |
| Net charge-offs to loans | 0.0895% | 2,420 |
| Credit loss provision to net charge-offs | 31.2500% | 3,578 |
| Earnings coverage of net charge-offs (x) | 18.6607% | 1,955 |
| Efficiency ratio | 72.4855% | 2,511 |
| Assets per employee ($millions) | 4.2829% | 3,468 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 5,293 |
| Loan loss allowance to noncurrent loans | 24.2988% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0350% | 669 |
| Noncurrent loans to loans | 3.0067% | 452 |
| Net loans and leases to total assets | 67.1871% | 2,903 |
| Net loans and leases to deposits | 75.4062% | 3,376 |
| Net loans and leases to core deposits | 77.1025% | 3,649 |
| Total domestic deposits to total assets | 89.1002% | 1,063 |
| Equity capital to assets | 10.6704% | 2,957 |
| Core capital (leverage) ratio | 10.9867% | 2,353 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,099 |
| Total risk-based capital ratio | 15.3809% | 3,316 |
| Memoranda: | ||
| Average total assets | $186,611,200 | 3,092 |
| Average earning assets | $172,700,000 | 3,083 |
| Average equity | $20,697,600 | 3,099 |
| Average total loans | $125,176,600 | 2,991 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,575 |
| Cost of funding earning assets | 0.1562% | 5,444 |
| Net interest margin | 4.0238% | 1,590 |
| Noninterest income to average assets | 0.3364% | 4,375 |
| Noninterest expense to average assets | 3.0069% | 2,302 |
| Loan and lease loss provision to assets | 0.0180% | 3,887 |
| Net operating income to assets | 0.7109% | 3,786 |
| Return on assets (ROA) | 0.7427% | 3,765 |
| Pretax return on assets | 1.0683% | 3,359 |
| Return on Equity (ROE) | 6.6309% | 3,761 |
| Retained earnings to average equity (ytd only) | 4.3155% | 3,248 |
| Net charge-offs to loans | 0.0797% | 2,185 |
| Credit loss provision to net charge-offs | 33.7838% | 3,194 |
| Earnings coverage of net charge-offs (x) | 19.5279% | 1,928 |
| Efficiency ratio | 74.2837% | 2,227 |
| Assets per employee ($millions) | 4.0699% | 3,837 |
| Cash dividends to net income (ytd only)* | 34.9178% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 5,278 |
| Loan loss allowance to noncurrent loans | 22.5985% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.3187% | 615 |
| Noncurrent loans to loans | 3.3993% | 391 |
| Net loans and leases to total assets | 67.6885% | 2,838 |
| Net loans and leases to deposits | 76.6643% | 3,329 |
| Net loans and leases to core deposits | 78.7623% | 3,581 |
| Total domestic deposits to total assets | 88.2921% | 1,242 |
| Equity capital to assets | 11.3079% | 2,694 |
| Core capital (leverage) ratio | 10.9836% | 2,462 |
| Tier 1 risk-based capital ratio | 15.0330% | 3,037 |
| Total risk-based capital ratio | 15.7452% | 3,221 |
| Memoranda: | ||
| Average total assets | $185,081,750 | 3,117 |
| Average earning assets | $170,712,250 | 3,115 |
| Average equity | $20,730,750 | 3,118 |
| Average total loans | $123,860,250 | 3,017 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,750 |
| Cost of funding earning assets | 0.1568% | 5,501 |
| Net interest margin | 3.9725% | 1,732 |
| Noninterest income to average assets | 0.3460% | 4,303 |
| Noninterest expense to average assets | 3.0634% | 2,160 |
| Loan and lease loss provision to assets | 0.0108% | 3,881 |
| Net operating income to assets | 0.6485% | 4,048 |
| Return on assets (ROA) | 0.6834% | 4,025 |
| Pretax return on assets | 0.9774% | 3,671 |
| Return on Equity (ROE) | 6.1212% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.6234% | 4,229 |
| Net charge-offs to loans | 0.0751% | 2,111 |
| Credit loss provision to net charge-offs | 21.7391% | 2,917 |
| Earnings coverage of net charge-offs (x) | 18.8043% | 1,806 |
| Efficiency ratio | 76.5519% | 2,000 |
| Assets per employee ($millions) | 4.0393% | 3,831 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 5,267 |
| Loan loss allowance to noncurrent loans | 23.0519% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.3207% | 642 |
| Noncurrent loans to loans | 3.5014% | 377 |
| Net loans and leases to total assets | 65.7429% | 3,114 |
| Net loans and leases to deposits | 74.3189% | 3,552 |
| Net loans and leases to core deposits | 76.6371% | 3,769 |
| Total domestic deposits to total assets | 88.4606% | 1,187 |
| Equity capital to assets | 11.1885% | 2,856 |
| Core capital (leverage) ratio | 10.8451% | 2,599 |
| Tier 1 risk-based capital ratio | 14.9130% | 3,112 |
| Total risk-based capital ratio | 15.6429% | 3,306 |
| Memoranda: | ||
| Average total assets | $184,370,670 | 3,142 |
| Average earning assets | $169,666,670 | 3,146 |
| Average equity | $20,584,330 | 3,135 |
| Average total loans | $122,579,000 | 3,041 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,718 |
| Cost of funding earning assets | 0.1614% | 5,537 |
| Net interest margin | 3.9709% | 1,707 |
| Noninterest income to average assets | 0.3441% | 4,268 |
| Noninterest expense to average assets | 3.0797% | 2,146 |
| Loan and lease loss provision to assets | 0.0109% | 3,551 |
| Net operating income to assets | 0.6244% | 4,079 |
| Return on assets (ROA) | 0.6687% | 3,998 |
| Pretax return on assets | 0.9605% | 3,619 |
| Return on Equity (ROE) | 5.9955% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.9955% | 2,375 |
| Net charge-offs to loans | 0.0033% | 3,009 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 142 |
| Efficiency ratio | 77.2256% | 2,002 |
| Assets per employee ($millions) | 4.0769% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 5,200 |
| Loan loss allowance to noncurrent loans | 23.2360% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.4256% | 629 |
| Noncurrent loans to loans | 3.6856% | 350 |
| Net loans and leases to total assets | 65.2486% | 3,075 |
| Net loans and leases to deposits | 73.8692% | 3,448 |
| Net loans and leases to core deposits | 76.4483% | 3,640 |
| Total domestic deposits to total assets | 88.3299% | 1,448 |
| Equity capital to assets | 11.2880% | 2,642 |
| Core capital (leverage) ratio | 11.0868% | 2,327 |
| Tier 1 risk-based capital ratio | 15.1593% | 3,083 |
| Total risk-based capital ratio | 15.9298% | 3,240 |
| Memoranda: | ||
| Average total assets | $183,652,500 | 3,166 |
| Average earning assets | $168,525,500 | 3,172 |
| Average equity | $20,482,000 | 3,153 |
| Average total loans | $122,294,000 | 3,052 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 5,355 |
| Cost of funding earning assets | 0.1490% | 5,689 |
| Net interest margin | 3.1453% | 4,789 |
| Noninterest income to average assets | 0.2757% | 4,915 |
| Noninterest expense to average assets | 2.4932% | 4,250 |
| Loan and lease loss provision to assets | 0.0590% | 3,129 |
| Net operating income to assets | 0.4566% | 4,862 |
| Return on assets (ROA) | 0.4902% | 4,822 |
| Pretax return on assets | 0.7023% | 4,526 |
| Return on Equity (ROE) | 5.3340% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.5276% | 3,551 |
| Net charge-offs to loans | 0.1517% | 1,853 |
| Credit loss provision to net charge-offs | 73.1429% | 3,070 |
| Earnings coverage of net charge-offs (x) | 8.8400% | 2,890 |
| Efficiency ratio | 77.7538% | 2,004 |
| Assets per employee ($millions) | 4.0854% | 3,783 |
| Cash dividends to net income (ytd only)* | 33.8664% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 5,320 |
| Loan loss allowance to noncurrent loans | 23.2558% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.4091% | 657 |
| Noncurrent loans to loans | 3.5761% | 378 |
| Net loans and leases to total assets | 66.8057% | 2,875 |
| Net loans and leases to deposits | 75.3731% | 3,333 |
| Net loans and leases to core deposits | 78.1873% | 3,525 |
| Total domestic deposits to total assets | 88.6334% | 1,316 |
| Equity capital to assets | 11.0174% | 2,801 |
| Core capital (leverage) ratio | 9.2786% | 4,504 |
| Tier 1 risk-based capital ratio | 14.8914% | 3,222 |
| Total risk-based capital ratio | 15.6569% | 3,406 |
| Memoranda: | ||
| Average total assets | $216,871,200 | 2,772 |
| Average earning assets | $202,079,800 | 2,760 |
| Average equity | $19,928,800 | 3,180 |
| Average total loans | $115,379,000 | 3,115 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1052% | 5,703 |
| Cost of funding earning assets | 0.1462% | 5,810 |
| Net interest margin | 2.9590% | 5,287 |
| Noninterest income to average assets | 0.2541% | 5,123 |
| Noninterest expense to average assets | 2.4252% | 4,437 |
| Loan and lease loss provision to assets | 0.0669% | 2,841 |
| Net operating income to assets | 0.3732% | 5,252 |
| Return on assets (ROA) | 0.4163% | 5,189 |
| Pretax return on assets | 0.5917% | 4,991 |
| Return on Equity (ROE) | 4.7226% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.5134% | 3,968 |
| Net charge-offs to loans | 0.1625% | 1,526 |
| Credit loss provision to net charge-offs | 81.8841% | 2,586 |
| Earnings coverage of net charge-offs (x) | 7.3042% | 2,932 |
| Efficiency ratio | 80.2469% | 1,625 |
| Assets per employee ($millions) | 5.1827% | 2,083 |
| Cash dividends to net income (ytd only)* | 25.6041% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 5,220 |
| Loan loss allowance to noncurrent loans | 23.2230% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 1,035 |
| Noncurrent loans to loans | 3.8508% | 360 |
| Net loans and leases to total assets | 51.1248% | 4,842 |
| Net loans and leases to deposits | 56.2172% | 5,110 |
| Net loans and leases to core deposits | 58.1860% | 5,178 |
| Total domestic deposits to total assets | 90.9415% | 259 |
| Equity capital to assets | 8.7998% | 5,488 |
| Core capital (leverage) ratio | 8.5244% | 5,533 |
| Tier 1 risk-based capital ratio | 14.5464% | 3,537 |
| Total risk-based capital ratio | 15.3171% | 3,758 |
| Memoranda: | ||
| Average total assets | $225,127,750 | 2,723 |
| Average earning assets | $210,606,250 | 2,694 |
| Average equity | $19,847,250 | 3,216 |
| Average total loans | $113,261,500 | 3,177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0640% | 5,782 |
| Cost of funding earning assets | 0.1470% | 5,871 |
| Net interest margin | 2.9170% | 5,409 |
| Noninterest income to average assets | 0.2507% | 5,153 |
| Noninterest expense to average assets | 2.4233% | 4,477 |
| Loan and lease loss provision to assets | 0.0919% | 2,281 |
| Net operating income to assets | 0.3318% | 5,353 |
| Return on assets (ROA) | 0.3408% | 5,430 |
| Pretax return on assets | 0.4747% | 5,290 |
| Return on Equity (ROE) | 3.8637% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.0431% | 4,675 |
| Net charge-offs to loans | 0.2021% | 1,249 |
| Credit loss provision to net charge-offs | 91.1504% | 2,187 |
| Earnings coverage of net charge-offs (x) | 5.4956% | 2,918 |
| Efficiency ratio | 81.3905% | 1,576 |
| Assets per employee ($millions) | 4.7354% | 2,625 |
| Cash dividends to net income (ytd only)* | 47.1204% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 5,146 |
| Loan loss allowance to noncurrent loans | 23.4763% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 2.0421% | 1,067 |
| Noncurrent loans to loans | 4.0032% | 385 |
| Net loans and leases to total assets | 50.5327% | 4,880 |
| Net loans and leases to deposits | 55.5796% | 5,149 |
| Net loans and leases to core deposits | 57.5287% | 5,221 |
| Total domestic deposits to total assets | 90.9195% | 321 |
| Equity capital to assets | 8.8846% | 5,354 |
| Core capital (leverage) ratio | 8.4640% | 5,567 |
| Tier 1 risk-based capital ratio | 14.5384% | 3,613 |
| Total risk-based capital ratio | 15.3325% | 3,806 |
| Memoranda: | ||
| Average total assets | $224,157,000 | 2,753 |
| Average earning assets | $209,528,000 | 2,714 |
| Average equity | $19,774,000 | 3,237 |
| Average total loans | $111,803,000 | 3,213 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 5,838 |
| Cost of funding earning assets | 0.1482% | 5,944 |
| Net interest margin | 2.9043% | 5,444 |
| Noninterest income to average assets | 0.2596% | 5,101 |
| Noninterest expense to average assets | 2.4947% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3364% | 5,297 |
| Return on assets (ROA) | 0.3539% | 5,356 |
| Pretax return on assets | 0.5086% | 5,159 |
| Return on Equity (ROE) | 4.0255% | 4,972 |
| Retained earnings to average equity (ytd only) | 4.0255% | 3,591 |
| Net charge-offs to loans | 0.0721% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,710 |
| Efficiency ratio | 83.7612% | 1,407 |
| Assets per employee ($millions) | 4.8146% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 5,332 |
| Loan loss allowance to noncurrent loans | 23.1798% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 1.9732% | 1,210 |
| Noncurrent loans to loans | 4.0127% | 438 |
| Net loans and leases to total assets | 48.7164% | 4,962 |
| Net loans and leases to deposits | 53.4587% | 5,239 |
| Net loans and leases to core deposits | 55.4200% | 5,287 |
| Total domestic deposits to total assets | 91.1289% | 320 |
| Equity capital to assets | 8.6045% | 5,656 |
| Core capital (leverage) ratio | 8.5926% | 5,429 |
| Tier 1 risk-based capital ratio | 15.3640% | 3,219 |
| Total risk-based capital ratio | 16.1955% | 3,390 |
| Memoranda: | ||
| Average total assets | $224,953,000 | 2,766 |
| Average earning assets | $210,583,000 | 2,722 |
| Average equity | $19,774,000 | 3,255 |
| Average total loans | $110,937,000 | 3,249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 5,517 |
| Cost of funding earning assets | 0.1933% | 5,807 |
| Net interest margin | 3.2119% | 4,885 |
| Noninterest income to average assets | 0.5001% | 3,511 |
| Noninterest expense to average assets | 2.4724% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6904% | 3,945 |
| Return on assets (ROA) | 0.6904% | 4,058 |
| Pretax return on assets | 1.0061% | 3,470 |
| Return on Equity (ROE) | 7.7804% | 3,234 |
| Retained earnings to average equity (ytd only) | 3.1184% | 4,016 |
| Net charge-offs to loans | 0.1618% | 2,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.3672% | 2,384 |
| Efficiency ratio | 71.0756% | 3,360 |
| Assets per employee ($millions) | 4.6555% | 2,785 |
| Cash dividends to net income (ytd only)* | 59.9201% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 5,087 |
| Loan loss allowance to noncurrent loans | 1,516.9014% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,916 |
| Noncurrent loans to loans | 0.0656% | 5,617 |
| Net loans and leases to total assets | 48.9733% | 5,071 |
| Net loans and leases to deposits | 53.9752% | 5,332 |
| Net loans and leases to core deposits | 56.3456% | 5,358 |
| Total domestic deposits to total assets | 90.7329% | 451 |
| Equity capital to assets | 8.9865% | 5,309 |
| Core capital (leverage) ratio | 8.7443% | 5,298 |
| Tier 1 risk-based capital ratio | 15.5616% | 3,206 |
| Total risk-based capital ratio | 16.4284% | 3,343 |
| Memoranda: | ||
| Average total assets | $217,565,200 | 2,810 |
| Average earning assets | $201,751,200 | 2,790 |
| Average equity | $19,305,000 | 3,252 |
| Average total loans | $109,423,600 | 3,234 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 5,537 |
| Cost of funding earning assets | 0.2022% | 5,807 |
| Net interest margin | 3.2282% | 4,867 |
| Noninterest income to average assets | 0.5744% | 3,034 |
| Noninterest expense to average assets | 2.5395% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6818% | 4,031 |
| Return on assets (ROA) | 0.6818% | 4,121 |
| Pretax return on assets | 1.0237% | 3,505 |
| Return on Equity (ROE) | 7.7089% | 3,361 |
| Retained earnings to average equity (ytd only) | 5.2109% | 2,944 |
| Net charge-offs to loans | 0.2054% | 1,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.8697% | 2,615 |
| Efficiency ratio | 71.2711% | 3,299 |
| Assets per employee ($millions) | 4.9141% | 2,358 |
| Cash dividends to net income (ytd only)* | 32.4033% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,328 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 6,113 |
| Noncurrent loans to loans | 0.0314% | 5,908 |
| Net loans and leases to total assets | 49.9132% | 5,023 |
| Net loans and leases to deposits | 54.9498% | 5,310 |
| Net loans and leases to core deposits | 57.4357% | 5,368 |
| Total domestic deposits to total assets | 90.8341% | 411 |
| Equity capital to assets | 8.8941% | 5,467 |
| Core capital (leverage) ratio | 8.7693% | 5,373 |
| Tier 1 risk-based capital ratio | 15.2918% | 3,425 |
| Total risk-based capital ratio | 16.1434% | 3,586 |
| Memoranda: | ||
| Average total assets | $217,254,750 | 2,835 |
| Average earning assets | $201,138,000 | 2,814 |
| Average equity | $19,215,500 | 3,266 |
| Average total loans | $109,721,000 | 3,246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4369% | 5,551 |
| Cost of funding earning assets | 0.2186% | 5,761 |
| Net interest margin | 3.2183% | 4,880 |
| Noninterest income to average assets | 0.6233% | 2,692 |
| Noninterest expense to average assets | 2.6134% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6547% | 4,071 |
| Return on assets (ROA) | 0.6547% | 4,168 |
| Pretax return on assets | 0.9826% | 3,546 |
| Return on Equity (ROE) | 7.4169% | 3,409 |
| Retained earnings to average equity (ytd only) | 3.6402% | 3,872 |
| Net charge-offs to loans | 0.2785% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.9803% | 2,693 |
| Efficiency ratio | 72.6758% | 3,216 |
| Assets per employee ($millions) | 4.8839% | 2,359 |
| Cash dividends to net income (ytd only)* | 50.9194% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 5,287 |
| Loan loss allowance to noncurrent loans | 168.5015% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 5,204 |
| Noncurrent loans to loans | 0.6020% | 4,221 |
| Net loans and leases to total assets | 47.8701% | 5,181 |
| Net loans and leases to deposits | 52.5366% | 5,462 |
| Net loans and leases to core deposits | 54.9622% | 5,491 |
| Total domestic deposits to total assets | 91.1176% | 374 |
| Equity capital to assets | 8.5846% | 5,728 |
| Core capital (leverage) ratio | 8.6344% | 5,487 |
| Tier 1 risk-based capital ratio | 15.1332% | 3,567 |
| Total risk-based capital ratio | 16.0073% | 3,724 |
| Memoranda: | ||
| Average total assets | $215,961,000 | 2,857 |
| Average earning assets | $199,483,000 | 2,839 |
| Average equity | $19,064,670 | 3,277 |
| Average total loans | $109,141,000 | 3,266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4313% | 5,582 |
| Cost of funding earning assets | 0.2307% | 5,748 |
| Net interest margin | 3.2006% | 4,918 |
| Noninterest income to average assets | 0.2798% | 5,126 |
| Noninterest expense to average assets | 2.7068% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3535% | 5,300 |
| Return on assets (ROA) | 0.3535% | 5,357 |
| Pretax return on assets | 0.5104% | 5,138 |
| Return on Equity (ROE) | 3.9464% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.9464% | 3,745 |
| Net charge-offs to loans | 0.2925% | 1,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.3750% | 2,693 |
| Efficiency ratio | 84.1363% | 1,657 |
| Assets per employee ($millions) | 4.4109% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 5,163 |
| Loan loss allowance to noncurrent loans | 175.4858% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 2,663 |
| Noncurrent loans to loans | 0.6204% | 4,313 |
| Net loans and leases to total assets | 49.3504% | 4,966 |
| Net loans and leases to deposits | 54.2460% | 5,262 |
| Net loans and leases to core deposits | 57.2296% | 5,266 |
| Total domestic deposits to total assets | 90.9751% | 576 |
| Equity capital to assets | 8.8148% | 5,315 |
| Core capital (leverage) ratio | 8.8449% | 5,205 |
| Tier 1 risk-based capital ratio | 14.2463% | 4,164 |
| Total risk-based capital ratio | 15.1304% | 4,361 |
| Memoranda: | ||
| Average total assets | $211,612,500 | 2,902 |
| Average earning assets | $194,213,500 | 2,919 |
| Average equity | $18,954,000 | 3,285 |
| Average total loans | $109,388,500 | 3,275 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 4,519 |
| Cost of funding earning assets | 0.2364% | 6,053 |
| Net interest margin | 3.6486% | 3,248 |
| Noninterest income to average assets | 0.4637% | 4,000 |
| Noninterest expense to average assets | 2.7664% | 3,848 |
| Loan and lease loss provision to assets | 0.0200% | 4,743 |
| Net operating income to assets | 0.6582% | 3,998 |
| Return on assets (ROA) | 0.6616% | 4,078 |
| Pretax return on assets | 0.9679% | 3,489 |
| Return on Equity (ROE) | 7.0251% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.2497% | 4,646 |
| Net charge-offs to loans | 0.1266% | 3,551 |
| Credit loss provision to net charge-offs | 29.4118% | 4,264 |
| Earnings coverage of net charge-offs (x) | 14.4632% | 1,940 |
| Efficiency ratio | 73.7838% | 3,165 |
| Assets per employee ($millions) | 4.5019% | 2,897 |
| Cash dividends to net income (ytd only)* | 67.9758% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 4,991 |
| Loan loss allowance to noncurrent loans | 177.2599% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 2,628 |
| Noncurrent loans to loans | 0.6382% | 4,385 |
| Net loans and leases to total assets | 52.9647% | 4,729 |
| Net loans and leases to deposits | 58.4262% | 5,083 |
| Net loans and leases to core deposits | 61.9614% | 5,061 |
| Total domestic deposits to total assets | 90.6523% | 727 |
| Equity capital to assets | 9.1053% | 4,919 |
| Core capital (leverage) ratio | 9.0796% | 4,887 |
| Tier 1 risk-based capital ratio | 14.0337% | 4,274 |
| Total risk-based capital ratio | 14.9732% | 4,448 |
| Memoranda: | ||
| Average total assets | $200,116,400 | 3,031 |
| Average earning assets | $180,206,600 | 3,067 |
| Average equity | $18,846,800 | 3,295 |
| Average total loans | $107,392,000 | 3,296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 4,450 |
| Cost of funding earning assets | 0.2368% | 6,182 |
| Net interest margin | 3.6777% | 3,120 |
| Noninterest income to average assets | 0.4389% | 4,226 |
| Noninterest expense to average assets | 2.8108% | 3,622 |
| Loan and lease loss provision to assets | 0.0269% | 4,472 |
| Net operating income to assets | 0.5991% | 4,350 |
| Return on assets (ROA) | 0.6036% | 4,456 |
| Pretax return on assets | 0.9060% | 3,854 |
| Return on Equity (ROE) | 6.3536% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.1697% | 4,418 |
| Net charge-offs to loans | 0.0964% | 3,595 |
| Credit loss provision to net charge-offs | 51.9481% | 3,460 |
| Earnings coverage of net charge-offs (x) | 17.8968% | 1,709 |
| Efficiency ratio | 75.2158% | 2,866 |
| Assets per employee ($millions) | 4.3086% | 3,209 |
| Cash dividends to net income (ytd only)* | 50.1119% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 4,616 |
| Loan loss allowance to noncurrent loans | 411.9122% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 2,905 |
| Noncurrent loans to loans | 0.3046% | 5,466 |
| Net loans and leases to total assets | 49.9959% | 5,132 |
| Net loans and leases to deposits | 55.1470% | 5,445 |
| Net loans and leases to core deposits | 58.3065% | 5,427 |
| Total domestic deposits to total assets | 90.6593% | 680 |
| Equity capital to assets | 9.1178% | 5,031 |
| Core capital (leverage) ratio | 9.6697% | 4,144 |
| Tier 1 risk-based capital ratio | 14.6256% | 4,000 |
| Total risk-based capital ratio | 15.6503% | 4,105 |
| Memoranda: | ||
| Average total assets | $198,373,250 | 3,081 |
| Average earning assets | $177,894,250 | 3,130 |
| Average equity | $18,844,500 | 3,330 |
| Average total loans | $106,505,250 | 3,336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 4,083 |
| Cost of funding earning assets | 0.2406% | 6,237 |
| Net interest margin | 3.7663% | 2,689 |
| Noninterest income to average assets | 0.4398% | 4,249 |
| Noninterest expense to average assets | 2.8493% | 3,519 |
| Loan and lease loss provision to assets | 0.0409% | 4,134 |
| Net operating income to assets | 0.6068% | 4,247 |
| Return on assets (ROA) | 0.6136% | 4,397 |
| Pretax return on assets | 0.9215% | 3,827 |
| Return on Equity (ROE) | 6.3693% | 3,952 |
| Retained earnings to average equity (ytd only) | 1.5923% | 5,232 |
| Net charge-offs to loans | 0.1345% | 3,028 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 12.9306% | 1,938 |
| Efficiency ratio | 74.9529% | 2,953 |
| Assets per employee ($millions) | 3.8718% | 4,063 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,698 |
| Loan loss allowance to noncurrent loans | 5,276.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 3,093 |
| Noncurrent loans to loans | 0.0239% | 6,342 |
| Net loans and leases to total assets | 54.4991% | 4,519 |
| Net loans and leases to deposits | 60.6534% | 4,899 |
| Net loans and leases to core deposits | 65.2332% | 4,772 |
| Total domestic deposits to total assets | 89.8533% | 1,116 |
| Equity capital to assets | 9.8784% | 4,082 |
| Core capital (leverage) ratio | 9.7833% | 3,815 |
| Tier 1 risk-based capital ratio | 14.7781% | 3,924 |
| Total risk-based capital ratio | 15.8341% | 4,010 |
| Memoranda: | ||
| Average total assets | $195,559,330 | 3,130 |
| Average earning assets | $174,548,000 | 3,196 |
| Average equity | $18,840,330 | 3,350 |
| Average total loans | $107,102,670 | 3,338 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 4,031 |
| Cost of funding earning assets | 0.2379% | 6,364 |
| Net interest margin | 3.7837% | 2,507 |
| Noninterest income to average assets | 0.4313% | 4,243 |
| Noninterest expense to average assets | 2.8093% | 3,661 |
| Loan and lease loss provision to assets | 0.0806% | 3,302 |
| Net operating income to assets | 0.6046% | 4,188 |
| Return on assets (ROA) | 0.6046% | 4,347 |
| Pretax return on assets | 0.9069% | 3,736 |
| Return on Equity (ROE) | 6.3526% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.3526% | 2,485 |
| Net charge-offs to loans | 0.1847% | 2,298 |
| Credit loss provision to net charge-offs | 80.0000% | 2,153 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,806 |
| Efficiency ratio | 73.9915% | 3,264 |
| Assets per employee ($millions) | 4.1374% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,937 |
| Loan loss allowance to noncurrent loans | 3,438.4615% | 170 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 3,365 |
| Noncurrent loans to loans | 0.0364% | 6,379 |
| Net loans and leases to total assets | 53.2873% | 4,518 |
| Net loans and leases to deposits | 59.1141% | 4,898 |
| Net loans and leases to core deposits | 63.3283% | 4,811 |
| Total domestic deposits to total assets | 90.1433% | 965 |
| Equity capital to assets | 9.5743% | 4,745 |
| Core capital (leverage) ratio | 9.2550% | 4,473 |
| Tier 1 risk-based capital ratio | 14.4932% | 4,179 |
| Total risk-based capital ratio | 15.5378% | 4,267 |
| Memoranda: | ||
| Average total assets | $198,480,500 | 3,112 |
| Average earning assets | $176,547,000 | 3,190 |
| Average equity | $18,890,000 | 3,391 |
| Average total loans | $108,297,500 | 3,326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 2,409 |
| Cost of funding earning assets | 0.2961% | 6,474 |
| Net interest margin | 4.4502% | 1,048 |
| Noninterest income to average assets | 0.4398% | 4,325 |
| Noninterest expense to average assets | 3.0570% | 3,066 |
| Loan and lease loss provision to assets | 0.0802% | 4,701 |
| Net operating income to assets | 0.8423% | 3,082 |
| Return on assets (ROA) | 0.8550% | 3,268 |
| Pretax return on assets | 1.2894% | 2,454 |
| Return on Equity (ROE) | 8.3335% | 2,941 |
| Retained earnings to average equity (ytd only) | -1.0417% | 6,021 |
| Net charge-offs to loans | 0.1257% | 4,428 |
| Credit loss provision to net charge-offs | 105.6338% | 2,818 |
| Earnings coverage of net charge-offs (x) | 17.7958% | 1,482 |
| Efficiency ratio | 69.3623% | 3,918 |
| Assets per employee ($millions) | 3.8895% | 4,174 |
| Cash dividends to net income (ytd only)* | 112.5000% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,955 |
| Loan loss allowance to noncurrent loans | 318.8679% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4947% | 3,140 |
| Noncurrent loans to loans | 0.3875% | 5,521 |
| Net loans and leases to total assets | 54.4831% | 4,550 |
| Net loans and leases to deposits | 60.3547% | 4,990 |
| Net loans and leases to core deposits | 64.1561% | 4,938 |
| Total domestic deposits to total assets | 90.2715% | 817 |
| Equity capital to assets | 9.4603% | 4,924 |
| Core capital (leverage) ratio | 9.6942% | 3,814 |
| Tier 1 risk-based capital ratio | 14.1792% | 4,257 |
| Total risk-based capital ratio | 15.2255% | 4,362 |
| Memoranda: | ||
| Average total assets | $187,143,200 | 3,205 |
| Average earning assets | $166,845,200 | 3,274 |
| Average equity | $19,199,600 | 3,304 |
| Average total loans | $112,979,400 | 3,228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 2,306 |
| Cost of funding earning assets | 0.3156% | 6,534 |
| Net interest margin | 4.5066% | 977 |
| Noninterest income to average assets | 0.4593% | 4,217 |
| Noninterest expense to average assets | 3.1564% | 2,696 |
| Loan and lease loss provision to assets | 0.0904% | 4,473 |
| Net operating income to assets | 0.8305% | 3,305 |
| Return on assets (ROA) | 0.8434% | 3,490 |
| Pretax return on assets | 1.2708% | 2,706 |
| Return on Equity (ROE) | 8.0517% | 3,265 |
| Retained earnings to average equity (ytd only) | 4.3228% | 3,848 |
| Net charge-offs to loans | 0.1417% | 3,981 |
| Credit loss provision to net charge-offs | 103.3058% | 2,851 |
| Earnings coverage of net charge-offs (x) | 15.3305% | 1,769 |
| Efficiency ratio | 70.1721% | 3,657 |
| Assets per employee ($millions) | 3.5948% | 4,763 |
| Cash dividends to net income (ytd only)* | 46.3120% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,313 |
| Loan loss allowance to noncurrent loans | 246.8864% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.8136% | 2,898 |
| Noncurrent loans to loans | 0.4834% | 5,486 |
| Net loans and leases to total assets | 60.8773% | 3,592 |
| Net loans and leases to deposits | 68.4182% | 4,111 |
| Net loans and leases to core deposits | 72.9625% | 4,128 |
| Total domestic deposits to total assets | 88.9782% | 1,442 |
| Equity capital to assets | 10.7158% | 3,592 |
| Core capital (leverage) ratio | 10.3532% | 3,099 |
| Tier 1 risk-based capital ratio | 14.3163% | 4,320 |
| Total risk-based capital ratio | 15.3249% | 4,433 |
| Memoranda: | ||
| Average total assets | $184,337,500 | 3,285 |
| Average earning assets | $165,207,000 | 3,333 |
| Average equity | $19,308,000 | 3,317 |
| Average total loans | $113,867,250 | 3,243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 2,402 |
| Cost of funding earning assets | 0.3418% | 6,548 |
| Net interest margin | 4.4845% | 1,020 |
| Noninterest income to average assets | 0.4624% | 4,188 |
| Noninterest expense to average assets | 3.2263% | 2,507 |
| Loan and lease loss provision to assets | 0.1083% | 4,169 |
| Net operating income to assets | 0.7734% | 3,502 |
| Return on assets (ROA) | 0.7863% | 3,700 |
| Pretax return on assets | 1.1826% | 3,007 |
| Return on Equity (ROE) | 7.5643% | 3,470 |
| Retained earnings to average equity (ytd only) | 1.9380% | 5,228 |
| Net charge-offs to loans | 0.1121% | 4,057 |
| Credit loss provision to net charge-offs | 156.2500% | 1,774 |
| Earnings coverage of net charge-offs (x) | 18.3438% | 1,492 |
| Efficiency ratio | 71.7313% | 3,481 |
| Assets per employee ($millions) | 3.3321% | 5,376 |
| Cash dividends to net income (ytd only)* | 74.3802% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 5,257 |
| Loan loss allowance to noncurrent loans | 253.6765% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8746% | 2,940 |
| Noncurrent loans to loans | 0.4816% | 5,561 |
| Net loans and leases to total assets | 62.0095% | 3,434 |
| Net loans and leases to deposits | 69.6573% | 3,947 |
| Net loans and leases to core deposits | 74.6821% | 3,934 |
| Total domestic deposits to total assets | 89.0209% | 1,495 |
| Equity capital to assets | 10.6690% | 3,491 |
| Core capital (leverage) ratio | 10.4578% | 2,850 |
| Tier 1 risk-based capital ratio | 14.0542% | 4,407 |
| Total risk-based capital ratio | 15.0916% | 4,540 |
| Memoranda: | ||
| Average total assets | $184,671,330 | 3,285 |
| Average earning assets | $166,172,670 | 3,327 |
| Average equity | $19,195,330 | 3,327 |
| Average total loans | $114,170,330 | 3,247 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 2,575 |
| Cost of funding earning assets | 0.4081% | 6,372 |
| Net interest margin | 4.4059% | 1,216 |
| Noninterest income to average assets | 0.3956% | 4,705 |
| Noninterest expense to average assets | 3.2100% | 2,568 |
| Loan and lease loss provision to assets | 0.1604% | 3,378 |
| Net operating income to assets | 0.6694% | 4,032 |
| Return on assets (ROA) | 0.6694% | 4,247 |
| Pretax return on assets | 0.9966% | 3,689 |
| Return on Equity (ROE) | 6.5227% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.5227% | 2,672 |
| Net charge-offs to loans | 0.2196% | 2,826 |
| Credit loss provision to net charge-offs | 119.0476% | 1,996 |
| Earnings coverage of net charge-offs (x) | 8.5873% | 1,942 |
| Efficiency ratio | 73.5064% | 3,177 |
| Assets per employee ($millions) | 3.3697% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,451 |
| Loan loss allowance to noncurrent loans | 263.3010% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8377% | 3,130 |
| Noncurrent loans to loans | 0.4583% | 5,764 |
| Net loans and leases to total assets | 61.0159% | 3,450 |
| Net loans and leases to deposits | 68.5255% | 3,967 |
| Net loans and leases to core deposits | 73.6683% | 3,937 |
| Total domestic deposits to total assets | 89.0412% | 1,672 |
| Equity capital to assets | 10.6103% | 3,370 |
| Core capital (leverage) ratio | 9.9202% | 3,469 |
| Tier 1 risk-based capital ratio | 14.1552% | 4,354 |
| Total risk-based capital ratio | 15.1750% | 4,492 |
| Memoranda: | ||
| Average total assets | $187,041,000 | 3,271 |
| Average earning assets | $168,593,000 | 3,310 |
| Average equity | $19,194,500 | 3,327 |
| Average total loans | $114,778,000 | 3,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4267% | 1,348 |
| Cost of funding earning assets | 0.5628% | 6,279 |
| Net interest margin | 4.8639% | 550 |
| Noninterest income to average assets | 0.5548% | 3,470 |
| Noninterest expense to average assets | 3.2523% | 2,683 |
| Loan and lease loss provision to assets | 0.1190% | 5,114 |
| Net operating income to assets | 1.0319% | 2,076 |
| Return on assets (ROA) | 1.0800% | 2,026 |
| Pretax return on assets | 1.6306% | 1,139 |
| Return on Equity (ROE) | 10.7897% | 1,769 |
| Retained earnings to average equity (ytd only) | 1.7543% | 4,966 |
| Net charge-offs to loans | 0.0024% | 6,423 |
| Credit loss provision to net charge-offs | 7,500.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,056.6667% | 23 |
| Efficiency ratio | 65.9835% | 4,774 |
| Assets per employee ($millions) | 3.5577% | 4,874 |
| Cash dividends to net income (ytd only)* | 83.7414% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,637 |
| Loan loss allowance to noncurrent loans | 2,535.8491% | 190 |
| Noncurrent assets plus other real estate owned to assets | 1.5001% | 3,700 |
| Noncurrent loans to loans | 0.0452% | 6,712 |
| Net loans and leases to total assets | 60.2906% | 3,936 |
| Net loans and leases to deposits | 70.4848% | 4,024 |
| Net loans and leases to core deposits | 75.4311% | 4,051 |
| Total domestic deposits to total assets | 85.5370% | 3,574 |
| Equity capital to assets | 9.9324% | 4,251 |
| Core capital (leverage) ratio | 9.9280% | 3,426 |
| Tier 1 risk-based capital ratio | 13.2645% | 4,864 |
| Total risk-based capital ratio | 14.2278% | 5,065 |
| Memoranda: | ||
| Average total assets | $189,066,200 | 3,195 |
| Average earning assets | $170,028,200 | 3,247 |
| Average equity | $18,925,400 | 3,293 |
| Average total loans | $124,635,000 | 3,088 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 1,185 |
| Cost of funding earning assets | 0.5943% | 6,305 |
| Net interest margin | 4.9347% | 473 |
| Noninterest income to average assets | 0.5395% | 3,587 |
| Noninterest expense to average assets | 3.2896% | 2,530 |
| Loan and lease loss provision to assets | 0.1239% | 4,882 |
| Net operating income to assets | 1.0366% | 2,188 |
| Return on assets (ROA) | 1.0848% | 2,171 |
| Pretax return on assets | 1.6377% | 1,283 |
| Return on Equity (ROE) | 10.8154% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.0970% | 3,112 |
| Net charge-offs to loans | -0.0148% | 6,841 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0788% | 4,702 |
| Assets per employee ($millions) | 3.4317% | 5,160 |
| Cash dividends to net income (ytd only)* | 52.8718% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 6,019 |
| Loan loss allowance to noncurrent loans | 288.7665% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 3,703 |
| Noncurrent loans to loans | 0.3667% | 6,123 |
| Net loans and leases to total assets | 66.0975% | 2,882 |
| Net loans and leases to deposits | 76.4780% | 3,255 |
| Net loans and leases to core deposits | 83.0861% | 3,176 |
| Total domestic deposits to total assets | 86.4268% | 2,973 |
| Equity capital to assets | 10.4838% | 3,727 |
| Core capital (leverage) ratio | 10.0961% | 3,313 |
| Tier 1 risk-based capital ratio | 13.1882% | 4,955 |
| Total risk-based capital ratio | 14.1032% | 5,179 |
| Memoranda: | ||
| Average total assets | $188,303,250 | 3,223 |
| Average earning assets | $169,381,500 | 3,261 |
| Average equity | $18,886,250 | 3,306 |
| Average total loans | $126,500,500 | 3,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5712% | 1,124 |
| Cost of funding earning assets | 0.6129% | 6,395 |
| Net interest margin | 4.9583% | 424 |
| Noninterest income to average assets | 0.5526% | 3,461 |
| Noninterest expense to average assets | 3.4052% | 2,241 |
| Loan and lease loss provision to assets | 0.1585% | 4,335 |
| Net operating income to assets | 0.9637% | 2,374 |
| Return on assets (ROA) | 1.0174% | 2,246 |
| Pretax return on assets | 1.5320% | 1,429 |
| Return on Equity (ROE) | 10.2963% | 2,016 |
| Retained earnings to average equity (ytd only) | 1.6359% | 5,176 |
| Net charge-offs to loans | 0.0549% | 5,102 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 43.5143% | 701 |
| Efficiency ratio | 67.9098% | 4,532 |
| Assets per employee ($millions) | 3.3673% | 5,290 |
| Cash dividends to net income (ytd only)* | 84.1121% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 6,392 |
| Loan loss allowance to noncurrent loans | 290.3756% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5772% | 3,832 |
| Noncurrent loans to loans | 0.3392% | 6,239 |
| Net loans and leases to total assets | 67.1361% | 2,799 |
| Net loans and leases to deposits | 77.2915% | 3,251 |
| Net loans and leases to core deposits | 83.8665% | 3,233 |
| Total domestic deposits to total assets | 86.8609% | 2,812 |
| Equity capital to assets | 10.0884% | 4,034 |
| Core capital (leverage) ratio | 9.5307% | 3,907 |
| Tier 1 risk-based capital ratio | 12.6815% | 5,191 |
| Total risk-based capital ratio | 13.5368% | 5,515 |
| Memoranda: | ||
| Average total assets | $189,299,670 | 3,235 |
| Average earning assets | $170,341,000 | 3,270 |
| Average equity | $18,705,670 | 3,302 |
| Average total loans | $127,401,000 | 3,085 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 1,184 |
| Cost of funding earning assets | 0.6392% | 6,431 |
| Net interest margin | 4.9068% | 452 |
| Noninterest income to average assets | 0.4766% | 4,075 |
| Noninterest expense to average assets | 3.3217% | 2,488 |
| Loan and lease loss provision to assets | 0.1568% | 4,066 |
| Net operating income to assets | 0.9365% | 2,418 |
| Return on assets (ROA) | 0.9365% | 2,480 |
| Pretax return on assets | 1.4110% | 1,698 |
| Return on Equity (ROE) | 9.5744% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.5744% | 1,221 |
| Net charge-offs to loans | 0.0436% | 4,506 |
| Credit loss provision to net charge-offs | 535.7143% | 676 |
| Earnings coverage of net charge-offs (x) | 53.5714% | 547 |
| Efficiency ratio | 67.9350% | 4,666 |
| Assets per employee ($millions) | 3.2787% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 6,605 |
| Loan loss allowance to noncurrent loans | 222.7872% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 3,820 |
| Noncurrent loans to loans | 0.4199% | 6,156 |
| Net loans and leases to total assets | 65.8803% | 3,043 |
| Net loans and leases to deposits | 75.5901% | 3,478 |
| Net loans and leases to core deposits | 82.0368% | 3,449 |
| Total domestic deposits to total assets | 87.1547% | 2,853 |
| Equity capital to assets | 9.8600% | 3,957 |
| Core capital (leverage) ratio | 9.7655% | 3,425 |
| Tier 1 risk-based capital ratio | 12.8027% | 4,974 |
| Total risk-based capital ratio | 13.6160% | 5,374 |
| Memoranda: | ||
| Average total assets | $191,348,000 | 3,228 |
| Average earning assets | $172,086,500 | 3,268 |
| Average equity | $18,716,500 | 3,293 |
| Average total loans | $128,314,000 | 3,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9159% | 1,004 |
| Cost of funding earning assets | 0.9984% | 5,702 |
| Net interest margin | 4.9175% | 522 |
| Noninterest income to average assets | 0.4925% | 4,229 |
| Noninterest expense to average assets | 3.2852% | 2,781 |
| Loan and lease loss provision to assets | 0.1373% | 5,800 |
| Net operating income to assets | 1.0019% | 2,040 |
| Return on assets (ROA) | 1.0628% | 1,919 |
| Pretax return on assets | 1.6009% | 1,128 |
| Return on Equity (ROE) | 11.0720% | 1,563 |
| Retained earnings to average equity (ytd only) | 1.8453% | 4,572 |
| Net charge-offs to loans | 0.1476% | 5,470 |
| Credit loss provision to net charge-offs | 135.2041% | 2,879 |
| Earnings coverage of net charge-offs (x) | 16.2143% | 1,223 |
| Efficiency ratio | 66.6212% | 4,841 |
| Assets per employee ($millions) | 3.2089% | 5,647 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 6,822 |
| Loan loss allowance to noncurrent loans | 3,503.1250% | 140 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 4,289 |
| Noncurrent loans to loans | 0.0246% | 7,076 |
| Net loans and leases to total assets | 67.0244% | 3,214 |
| Net loans and leases to deposits | 78.1739% | 3,486 |
| Net loans and leases to core deposits | 84.9874% | 3,465 |
| Total domestic deposits to total assets | 85.7375% | 3,482 |
| Equity capital to assets | 9.7038% | 4,125 |
| Core capital (leverage) ratio | 9.7548% | 3,369 |
| Tier 1 risk-based capital ratio | 12.2608% | 5,246 |
| Total risk-based capital ratio | 13.0176% | 5,678 |
| Memoranda: | ||
| Average total assets | $193,077,400 | 3,186 |
| Average earning assets | $174,277,000 | 3,200 |
| Average equity | $18,533,200 | 3,345 |
| Average total loans | $132,773,600 | 3,072 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9911% | 953 |
| Cost of funding earning assets | 1.0973% | 5,433 |
| Net interest margin | 4.8938% | 562 |
| Noninterest income to average assets | 0.4637% | 4,462 |
| Noninterest expense to average assets | 3.3344% | 2,468 |
| Loan and lease loss provision to assets | 0.1553% | 5,486 |
| Net operating income to assets | 0.9287% | 2,499 |
| Return on assets (ROA) | 1.0109% | 2,317 |
| Pretax return on assets | 1.5195% | 1,563 |
| Return on Equity (ROE) | 10.5607% | 1,917 |
| Retained earnings to average equity (ytd only) | 4.7217% | 3,179 |
| Net charge-offs to loans | 0.2308% | 4,550 |
| Credit loss provision to net charge-offs | 97.4026% | 4,453 |
| Earnings coverage of net charge-offs (x) | 9.7360% | 1,972 |
| Efficiency ratio | 68.2389% | 4,420 |
| Assets per employee ($millions) | 3.1276% | 5,863 |
| Cash dividends to net income (ytd only)* | 55.2901% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 7,039 |
| Loan loss allowance to noncurrent loans | 909.5652% | 405 |
| Noncurrent assets plus other real estate owned to assets | 2.0729% | 3,370 |
| Noncurrent loans to loans | 0.0861% | 7,018 |
| Net loans and leases to total assets | 71.7750% | 2,301 |
| Net loans and leases to deposits | 82.7197% | 2,958 |
| Net loans and leases to core deposits | 90.4636% | 3,031 |
| Total domestic deposits to total assets | 86.7689% | 2,657 |
| Equity capital to assets | 10.2093% | 3,869 |
| Core capital (leverage) ratio | 9.4299% | 4,018 |
| Tier 1 risk-based capital ratio | 12.2655% | 5,207 |
| Total risk-based capital ratio | 12.9594% | 5,695 |
| Memoranda: | ||
| Average total assets | $193,213,500 | 3,234 |
| Average earning assets | $174,611,250 | 3,241 |
| Average equity | $18,495,750 | 3,396 |
| Average total loans | $133,425,750 | 3,109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9424% | 1,072 |
| Cost of funding earning assets | 1.1800% | 5,236 |
| Net interest margin | 4.7625% | 706 |
| Noninterest income to average assets | 0.4661% | 4,388 |
| Noninterest expense to average assets | 3.2105% | 2,866 |
| Loan and lease loss provision to assets | 0.1530% | 5,370 |
| Net operating income to assets | 0.9492% | 2,371 |
| Return on assets (ROA) | 1.0535% | 2,077 |
| Pretax return on assets | 1.5869% | 1,334 |
| Return on Equity (ROE) | 11.2397% | 1,675 |
| Retained earnings to average equity (ytd only) | 2.4264% | 4,617 |
| Net charge-offs to loans | 0.2234% | 4,260 |
| Credit loss provision to net charge-offs | 100.6711% | 4,045 |
| Earnings coverage of net charge-offs (x) | 10.4094% | 1,890 |
| Efficiency ratio | 66.9930% | 4,764 |
| Assets per employee ($millions) | 3.3491% | 5,312 |
| Cash dividends to net income (ytd only)* | 78.4124% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 7,057 |
| Loan loss allowance to noncurrent loans | 28.8968% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 3,399 |
| Noncurrent loans to loans | 2.7321% | 2,917 |
| Net loans and leases to total assets | 66.9663% | 3,626 |
| Net loans and leases to deposits | 76.3151% | 4,274 |
| Net loans and leases to core deposits | 83.6084% | 4,185 |
| Total domestic deposits to total assets | 87.7497% | 2,136 |
| Equity capital to assets | 9.2406% | 5,094 |
| Core capital (leverage) ratio | 9.0105% | 4,584 |
| Tier 1 risk-based capital ratio | 11.9524% | 5,349 |
| Total risk-based capital ratio | 12.6494% | 5,845 |
| Memoranda: | ||
| Average total assets | $196,108,670 | 3,214 |
| Average earning assets | $178,142,330 | 3,218 |
| Average equity | $18,381,330 | 3,401 |
| Average total loans | $133,404,000 | 3,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0438% | 899 |
| Cost of funding earning assets | 1.3230% | 4,670 |
| Net interest margin | 4.7208% | 745 |
| Noninterest income to average assets | 0.4218% | 4,724 |
| Noninterest expense to average assets | 3.2043% | 2,847 |
| Loan and lease loss provision to assets | 0.1536% | 4,997 |
| Net operating income to assets | 0.8987% | 2,547 |
| Return on assets (ROA) | 0.9275% | 2,501 |
| Pretax return on assets | 1.3882% | 1,809 |
| Return on Equity (ROE) | 9.8251% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.8251% | 1,181 |
| Net charge-offs to loans | 0.3957% | 2,854 |
| Credit loss provision to net charge-offs | 56.8182% | 4,364 |
| Earnings coverage of net charge-offs (x) | 5.5455% | 2,378 |
| Efficiency ratio | 68.1323% | 4,697 |
| Assets per employee ($millions) | 3.3478% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 7,240 |
| Loan loss allowance to noncurrent loans | 26.3926% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3088% | 3,138 |
| Noncurrent loans to loans | 2.8437% | 2,827 |
| Net loans and leases to total assets | 67.7636% | 3,446 |
| Net loans and leases to deposits | 77.6468% | 4,105 |
| Net loans and leases to core deposits | 88.7655% | 3,526 |
| Total domestic deposits to total assets | 87.2716% | 2,484 |
| Equity capital to assets | 9.6059% | 4,369 |
| Core capital (leverage) ratio | 9.4863% | 3,794 |
| Tier 1 risk-based capital ratio | 12.1233% | 5,063 |
| Total risk-based capital ratio | 12.7829% | 5,622 |
| Memoranda: | ||
| Average total assets | $195,365,500 | 3,283 |
| Average earning assets | $177,174,500 | 3,294 |
| Average equity | $18,442,500 | 3,411 |
| Average total loans | $133,418,500 | 3,196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3818% | 863 |
| Cost of funding earning assets | 1.4814% | 5,588 |
| Net interest margin | 4.9004% | 554 |
| Noninterest income to average assets | 0.4780% | 4,591 |
| Noninterest expense to average assets | 3.2077% | 3,350 |
| Loan and lease loss provision to assets | 0.1569% | 6,102 |
| Net operating income to assets | 1.0556% | 1,643 |
| Return on assets (ROA) | 1.0605% | 1,671 |
| Pretax return on assets | 1.5923% | 979 |
| Return on Equity (ROE) | 11.2315% | 1,372 |
| Retained earnings to average equity (ytd only) | -0.4541% | 5,083 |
| Net charge-offs to loans | 0.2018% | 5,375 |
| Credit loss provision to net charge-offs | 110.7011% | 4,971 |
| Earnings coverage of net charge-offs (x) | 12.2915% | 1,521 |
| Efficiency ratio | 64.8072% | 5,619 |
| Assets per employee ($millions) | 3.4484% | 5,131 |
| Cash dividends to net income (ytd only)* | 104.0434% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 7,181 |
| Loan loss allowance to noncurrent loans | 25.0954% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 2.4837% | 2,809 |
| Noncurrent loans to loans | 3.1222% | 2,454 |
| Net loans and leases to total assets | 67.7720% | 3,755 |
| Net loans and leases to deposits | 79.3486% | 4,111 |
| Net loans and leases to core deposits | 110.5824% | 2,833 |
| Total domestic deposits to total assets | 85.4105% | 3,353 |
| Equity capital to assets | 9.2761% | 4,729 |
| Core capital (leverage) ratio | 9.5128% | 3,700 |
| Tier 1 risk-based capital ratio | 11.6569% | 5,243 |
| Total risk-based capital ratio | 12.3446% | 5,787 |
| Memoranda: | ||
| Average total assets | $191,227,400 | 3,275 |
| Average earning assets | $174,496,600 | 3,285 |
| Average equity | $18,056,400 | 3,500 |
| Average total loans | $134,292,200 | 3,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3999% | 924 |
| Cost of funding earning assets | 1.4825% | 5,898 |
| Net interest margin | 4.9174% | 528 |
| Noninterest income to average assets | 0.4606% | 4,819 |
| Noninterest expense to average assets | 3.2157% | 3,251 |
| Loan and lease loss provision to assets | 0.1580% | 5,770 |
| Net operating income to assets | 1.0525% | 1,888 |
| Return on assets (ROA) | 1.0567% | 1,937 |
| Pretax return on assets | 1.5882% | 1,198 |
| Return on Equity (ROE) | 11.1403% | 1,579 |
| Retained earnings to average equity (ytd only) | 2.1836% | 4,106 |
| Net charge-offs to loans | 0.2045% | 4,765 |
| Credit loss provision to net charge-offs | 109.2233% | 4,655 |
| Earnings coverage of net charge-offs (x) | 12.0291% | 1,803 |
| Efficiency ratio | 64.8909% | 5,569 |
| Assets per employee ($millions) | 3.1580% | 5,761 |
| Cash dividends to net income (ytd only)* | 80.3984% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 7,167 |
| Loan loss allowance to noncurrent loans | 282.3848% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 5,946 |
| Noncurrent loans to loans | 0.2780% | 6,816 |
| Net loans and leases to total assets | 70.6714% | 3,345 |
| Net loans and leases to deposits | 86.5162% | 3,224 |
| Net loans and leases to core deposits | 124.2721% | 1,879 |
| Total domestic deposits to total assets | 81.6858% | 4,811 |
| Equity capital to assets | 9.8669% | 4,245 |
| Core capital (leverage) ratio | 9.8910% | 3,412 |
| Tier 1 risk-based capital ratio | 12.1748% | 4,816 |
| Total risk-based capital ratio | 12.8715% | 5,257 |
| Memoranda: | ||
| Average total assets | $189,894,500 | 3,313 |
| Average earning assets | $173,581,750 | 3,324 |
| Average equity | $18,012,250 | 3,540 |
| Average total loans | $134,299,250 | 3,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3503% | 1,094 |
| Cost of funding earning assets | 1.4690% | 6,263 |
| Net interest margin | 4.8812% | 561 |
| Noninterest income to average assets | 0.4375% | 4,959 |
| Noninterest expense to average assets | 3.1619% | 3,465 |
| Loan and lease loss provision to assets | 0.1570% | 5,498 |
| Net operating income to assets | 1.0558% | 1,928 |
| Return on assets (ROA) | 1.0613% | 1,985 |
| Pretax return on assets | 1.5993% | 1,206 |
| Return on Equity (ROE) | 11.3370% | 1,604 |
| Retained earnings to average equity (ytd only) | -2.1914% | 5,782 |
| Net charge-offs to loans | 0.1187% | 4,973 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 20.8750% | 1,292 |
| Efficiency ratio | 64.3999% | 5,827 |
| Assets per employee ($millions) | 3.1897% | 5,607 |
| Cash dividends to net income (ytd only)* | 119.3294% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 7,107 |
| Loan loss allowance to noncurrent loans | 80.3086% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 5,579 |
| Noncurrent loans to loans | 1.0128% | 5,181 |
| Net loans and leases to total assets | 72.0422% | 3,214 |
| Net loans and leases to deposits | 91.2984% | 2,603 |
| Net loans and leases to core deposits | 131.8896% | 1,438 |
| Total domestic deposits to total assets | 78.9086% | 5,839 |
| Equity capital to assets | 9.6965% | 4,354 |
| Core capital (leverage) ratio | 9.6057% | 3,758 |
| Tier 1 risk-based capital ratio | 11.8095% | 5,093 |
| Total risk-based capital ratio | 12.5380% | 5,511 |
| Memoranda: | ||
| Average total assets | $191,086,000 | 3,331 |
| Average earning assets | $175,079,330 | 3,328 |
| Average equity | $17,888,330 | 3,566 |
| Average total loans | $134,826,670 | 3,251 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3684% | 1,133 |
| Cost of funding earning assets | 1.4601% | 6,539 |
| Net interest margin | 4.9083% | 495 |
| Noninterest income to average assets | 0.4121% | 5,116 |
| Noninterest expense to average assets | 3.1835% | 3,060 |
| Loan and lease loss provision to assets | 0.1545% | 4,956 |
| Net operating income to assets | 1.0557% | 2,115 |
| Return on assets (ROA) | 1.0570% | 2,247 |
| Pretax return on assets | 1.5783% | 1,463 |
| Return on Equity (ROE) | 11.4874% | 1,816 |
| Retained earnings to average equity (ytd only) | 2.5304% | 4,469 |
| Net charge-offs to loans | 0.0889% | 4,282 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,118 |
| Efficiency ratio | 64.7799% | 5,551 |
| Assets per employee ($millions) | 3.3718% | 5,150 |
| Cash dividends to net income (ytd only)* | 77.9727% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 7,177 |
| Loan loss allowance to noncurrent loans | 64.9635% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 5,013 |
| Noncurrent loans to loans | 1.2234% | 4,524 |
| Net loans and leases to total assets | 70.6042% | 3,549 |
| Net loans and leases to deposits | 83.0377% | 4,127 |
| Net loans and leases to core deposits | 122.0896% | 2,246 |
| Total domestic deposits to total assets | 85.0267% | 3,188 |
| Equity capital to assets | 9.6127% | 4,508 |
| Core capital (leverage) ratio | 9.3321% | 4,198 |
| Tier 1 risk-based capital ratio | 11.8999% | 5,045 |
| Total risk-based capital ratio | 12.6049% | 5,450 |
| Memoranda: | ||
| Average total assets | $194,127,000 | 3,308 |
| Average earning assets | $178,066,500 | 3,304 |
| Average equity | $17,863,000 | 3,580 |
| Average total loans | $135,053,000 | 3,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9203% | 1,343 |
| Cost of funding earning assets | 2.2870% | 5,219 |
| Net interest margin | 4.6333% | 1,086 |
| Noninterest income to average assets | 0.4859% | 4,736 |
| Noninterest expense to average assets | 3.0181% | 4,022 |
| Loan and lease loss provision to assets | 0.1277% | 5,731 |
| Net operating income to assets | 1.0715% | 2,252 |
| Return on assets (ROA) | 1.0729% | 2,164 |
| Pretax return on assets | 1.5860% | 1,431 |
| Return on Equity (ROE) | 11.4465% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.2704% | 3,121 |
| Net charge-offs to loans | 0.2156% | 4,055 |
| Credit loss provision to net charge-offs | 86.0215% | 5,762 |
| Earnings coverage of net charge-offs (x) | 11.5269% | 2,362 |
| Efficiency ratio | 63.8123% | 5,600 |
| Assets per employee ($millions) | 3.4988% | 4,660 |
| Cash dividends to net income (ytd only)* | 71.4286% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 7,268 |
| Loan loss allowance to noncurrent loans | 69.2620% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 5,001 |
| Noncurrent loans to loans | 1.0883% | 4,384 |
| Net loans and leases to total assets | 67.5412% | 4,545 |
| Net loans and leases to deposits | 93.9762% | 2,764 |
| Net loans and leases to core deposits | 137.7013% | 1,394 |
| Total domestic deposits to total assets | 71.8705% | 7,027 |
| Equity capital to assets | 8.8126% | 5,629 |
| Core capital (leverage) ratio | 9.3863% | 4,176 |
| Tier 1 risk-based capital ratio | 11.5428% | 5,204 |
| Total risk-based capital ratio | 12.2019% | 5,680 |
| Memoranda: | ||
| Average total assets | $187,898,600 | 3,293 |
| Average earning assets | $172,102,200 | 3,301 |
| Average equity | $17,612,400 | 3,621 |
| Average total loans | $129,425,200 | 3,280 |