Home > The Bank of the West > Performance and Condition Ratios
The Bank of the West, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0938% | 152 |
| Cost of funding earning assets | 2.5520% | 1,049 |
| Net interest margin | 5.5418% | 169 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.6869% | 1,776 |
| Loan and lease loss provision to assets | 0.3000% | 406 |
| Net operating income to assets | 2.4191% | 236 |
| Return on assets (ROA) | 2.4191% | 235 |
| Pretax return on assets | 2.4191% | 330 |
| Return on Equity (ROE) | 19.1400% | 463 |
| Retained earnings to average equity (ytd only) | 1.9590% | 3,392 |
| Net charge-offs to loans | 0.0118% | 2,477 |
| Credit loss provision to net charge-offs | 2,941.1765% | 166 |
| Earnings coverage of net charge-offs (x) | 269.5882% | 413 |
| Efficiency ratio | 49.7368% | 4,002 |
| Assets per employee ($millions) | 5.7141% | 3,109 |
| Cash dividends to net income (ytd only)* | 89.7624% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 806 |
| Loan loss allowance to noncurrent loans | 211.2903% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 1,113 |
| Noncurrent loans to loans | 0.7557% | 1,314 |
| Net loans and leases to total assets | 84.7700% | 230 |
| Net loans and leases to deposits | 99.7529% | 498 |
| Net loans and leases to core deposits | 111.3815% | 880 |
| Total domestic deposits to total assets | 84.9800% | 2,544 |
| Equity capital to assets | 12.5548% | 1,012 |
| Core capital (leverage) ratio | 12.7099% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0181% | 1,864 |
| Memoranda: | ||
| Average total assets | $168,782,000 | 3,207 |
| Average earning assets | $158,937,000 | 3,185 |
| Average equity | $21,337,600 | 2,878 |
| Average total loans | $144,453,400 | 2,780 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1231% | 152 |
| Cost of funding earning assets | 2.5180% | 1,139 |
| Net interest margin | 5.6051% | 170 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.6734% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.7670% | 175 |
| Return on assets (ROA) | 2.7670% | 180 |
| Pretax return on assets | 2.7670% | 248 |
| Return on Equity (ROE) | 21.8500% | 311 |
| Retained earnings to average equity (ytd only) | 2.4360% | 3,334 |
| Net charge-offs to loans | 0.0056% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 581.5000% | 217 |
| Efficiency ratio | 49.1399% | 4,037 |
| Assets per employee ($millions) | 5.6432% | 3,163 |
| Cash dividends to net income (ytd only)* | 88.8507% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 1,851 |
| Loan loss allowance to noncurrent loans | 243.5463% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 1,522 |
| Noncurrent loans to loans | 0.5214% | 1,778 |
| Net loans and leases to total assets | 85.7900% | 160 |
| Net loans and leases to deposits | 99.2375% | 529 |
| Net loans and leases to core deposits | 110.8754% | 901 |
| Total domestic deposits to total assets | 86.4500% | 1,779 |
| Equity capital to assets | 12.6954% | 1,053 |
| Core capital (leverage) ratio | 12.6288% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9572% | 2,558 |
| Memoranda: | ||
| Average total assets | $168,121,500 | 3,216 |
| Average earning assets | $158,375,000 | 3,188 |
| Average equity | $21,291,500 | 2,881 |
| Average total loans | $143,648,500 | 2,782 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0546% | 153 |
| Cost of funding earning assets | 2.4511% | 1,166 |
| Net interest margin | 5.6035% | 169 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.6662% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.7723% | 186 |
| Return on assets (ROA) | 2.7723% | 189 |
| Pretax return on assets | 2.7723% | 255 |
| Return on Equity (ROE) | 21.9100% | 336 |
| Retained earnings to average equity (ytd only) | 2.1202% | 3,309 |
| Net charge-offs to loans | 0.0056% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 581.2500% | 213 |
| Efficiency ratio | 49.0243% | 4,065 |
| Assets per employee ($millions) | 5.5429% | 3,184 |
| Cash dividends to net income (ytd only)* | 90.3226% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 1,584 |
| Loan loss allowance to noncurrent loans | 236.4096% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 1,438 |
| Noncurrent loans to loans | 0.5660% | 1,593 |
| Net loans and leases to total assets | 80.2500% | 645 |
| Net loans and leases to deposits | 92.4473% | 1,080 |
| Net loans and leases to core deposits | 102.1484% | 1,361 |
| Total domestic deposits to total assets | 86.8000% | 1,722 |
| Equity capital to assets | 12.4128% | 1,033 |
| Core capital (leverage) ratio | 12.5229% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3578% | 1,756 |
| Memoranda: | ||
| Average total assets | $167,729,667 | 3,226 |
| Average earning assets | $157,971,333 | 3,200 |
| Average equity | $21,224,333 | 2,858 |
| Average total loans | $142,495,667 | 2,787 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0815% | 157 |
| Cost of funding earning assets | 2.3837% | 1,188 |
| Net interest margin | 5.6978% | 157 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.6992% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.8271% | 192 |
| Return on assets (ROA) | 2.8271% | 189 |
| Pretax return on assets | 2.8271% | 255 |
| Return on Equity (ROE) | 22.1200% | 333 |
| Retained earnings to average equity (ytd only) | 2.5694% | 3,103 |
| Net charge-offs to loans | 0.0028% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1,171.0000% | 71 |
| Efficiency ratio | 48.8423% | 4,075 |
| Assets per employee ($millions) | 5.4855% | 3,279 |
| Cash dividends to net income (ytd only)* | 88.3860% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 1,837 |
| Loan loss allowance to noncurrent loans | 253.4506% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 1,431 |
| Noncurrent loans to loans | 0.5059% | 1,656 |
| Net loans and leases to total assets | 84.8000% | 220 |
| Net loans and leases to deposits | 97.7171% | 607 |
| Net loans and leases to core deposits | 107.1112% | 1,055 |
| Total domestic deposits to total assets | 86.7800% | 1,853 |
| Equity capital to assets | 12.4903% | 995 |
| Core capital (leverage) ratio | 12.7423% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2811% | 1,785 |
| Memoranda: | ||
| Average total assets | $165,679,500 | 3,246 |
| Average earning assets | $156,061,000 | 3,224 |
| Average equity | $21,172,000 | 2,868 |
| Average total loans | $143,865,000 | 2,781 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2554% | 187 |
| Cost of funding earning assets | 1.8976% | 1,072 |
| Net interest margin | 5.3578% | 219 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.6108% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.5936% | 225 |
| Return on assets (ROA) | 2.5936% | 219 |
| Pretax return on assets | 2.5936% | 305 |
| Return on Equity (ROE) | 20.1400% | 604 |
| Retained earnings to average equity (ytd only) | 2.0999% | 3,558 |
| Net charge-offs to loans | 0.0007% | 2,861 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,610 |
| Earnings coverage of net charge-offs (x) | 4,220.0000% | 21 |
| Efficiency ratio | 50.1653% | 3,971 |
| Assets per employee ($millions) | 5.0408% | 3,605 |
| Cash dividends to net income (ytd only)* | 89.5735% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 1,669 |
| Loan loss allowance to noncurrent loans | 253.5859% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 1,216 |
| Noncurrent loans to loans | 0.5217% | 1,486 |
| Net loans and leases to total assets | 86.6500% | 135 |
| Net loans and leases to deposits | 101.9823% | 435 |
| Net loans and leases to core deposits | 111.4294% | 903 |
| Total domestic deposits to total assets | 84.9700% | 2,322 |
| Equity capital to assets | 13.0831% | 848 |
| Core capital (leverage) ratio | 13.0369% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4334% | 1,408 |
| Memoranda: | ||
| Average total assets | $162,705,800 | 3,254 |
| Average earning assets | $152,768,400 | 3,229 |
| Average equity | $20,953,200 | 2,779 |
| Average total loans | $133,844,600 | 2,827 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0298% | 194 |
| Cost of funding earning assets | 1.7581% | 1,083 |
| Net interest margin | 5.2717% | 230 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.5455% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5708% | 247 |
| Return on assets (ROA) | 2.5708% | 242 |
| Pretax return on assets | 2.5708% | 351 |
| Return on Equity (ROE) | 20.0400% | 719 |
| Retained earnings to average equity (ytd only) | 2.1929% | 3,693 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.7523% | 3,935 |
| Assets per employee ($millions) | 5.2459% | 3,392 |
| Cash dividends to net income (ytd only)* | 89.0585% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,468 |
| Loan loss allowance to noncurrent loans | 253.0364% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 1,280 |
| Noncurrent loans to loans | 0.5514% | 1,445 |
| Net loans and leases to total assets | 81.4800% | 482 |
| Net loans and leases to deposits | 94.4191% | 867 |
| Net loans and leases to core deposits | 103.1135% | 1,159 |
| Total domestic deposits to total assets | 86.3000% | 2,104 |
| Equity capital to assets | 12.9183% | 831 |
| Core capital (leverage) ratio | 12.9016% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1903% | 1,509 |
| Memoranda: | ||
| Average total assets | $163,055,500 | 3,257 |
| Average earning assets | $152,887,500 | 3,237 |
| Average equity | $20,915,500 | 2,771 |
| Average total loans | $131,893,000 | 2,846 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7918% | 200 |
| Cost of funding earning assets | 1.5707% | 1,125 |
| Net interest margin | 5.2210% | 236 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.5551% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.5147% | 244 |
| Return on assets (ROA) | 2.5147% | 239 |
| Pretax return on assets | 2.5147% | 351 |
| Return on Equity (ROE) | 19.6500% | 745 |
| Retained earnings to average equity (ytd only) | 2.2983% | 3,648 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3988% | 3,889 |
| Assets per employee ($millions) | 5.0628% | 3,543 |
| Cash dividends to net income (ytd only)* | 88.3041% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,352 |
| Loan loss allowance to noncurrent loans | 252.0161% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 1,168 |
| Noncurrent loans to loans | 0.5754% | 1,301 |
| Net loans and leases to total assets | 78.6500% | 769 |
| Net loans and leases to deposits | 91.0483% | 1,107 |
| Net loans and leases to core deposits | 100.7288% | 1,197 |
| Total domestic deposits to total assets | 86.3900% | 2,119 |
| Equity capital to assets | 12.9031% | 832 |
| Core capital (leverage) ratio | 12.9168% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6107% | 1,402 |
| Memoranda: | ||
| Average total assets | $163,200,000 | 3,259 |
| Average earning assets | $153,302,667 | 3,244 |
| Average equity | $20,884,667 | 2,786 |
| Average total loans | $131,064,333 | 2,853 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5630% | 169 |
| Cost of funding earning assets | 1.3349% | 1,162 |
| Net interest margin | 5.2281% | 215 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.5373% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5520% | 230 |
| Return on assets (ROA) | 2.5520% | 228 |
| Pretax return on assets | 2.5520% | 335 |
| Return on Equity (ROE) | 20.0200% | 765 |
| Retained earnings to average equity (ytd only) | 3.2000% | 3,461 |
| Net charge-offs to loans | 0.0030% | 1,903 |
| Credit loss provision to net charge-offs | -25,700.0000% | 4,691 |
| Earnings coverage of net charge-offs (x) | 1,045.0000% | 97 |
| Efficiency ratio | 49.8560% | 3,952 |
| Assets per employee ($millions) | 5.4030% | 3,316 |
| Cash dividends to net income (ytd only)* | 84.0191% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,476 |
| Loan loss allowance to noncurrent loans | 257.3154% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 1,151 |
| Noncurrent loans to loans | 0.5579% | 1,325 |
| Net loans and leases to total assets | 78.5800% | 701 |
| Net loans and leases to deposits | 90.3312% | 1,021 |
| Net loans and leases to core deposits | 98.1154% | 1,168 |
| Total domestic deposits to total assets | 86.9900% | 2,267 |
| Equity capital to assets | 12.4369% | 886 |
| Core capital (leverage) ratio | 12.7412% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6459% | 1,454 |
| Memoranda: | ||
| Average total assets | $163,796,000 | 3,303 |
| Average earning assets | $154,319,000 | 3,274 |
| Average equity | $20,875,000 | 2,809 |
| Average total loans | $131,947,500 | 2,882 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 220 |
| Cost of funding earning assets | 0.4116% | 1,999 |
| Net interest margin | 4.8017% | 176 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.4919% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2191% | 208 |
| Return on assets (ROA) | 2.2191% | 197 |
| Pretax return on assets | 2.2191% | 307 |
| Return on Equity (ROE) | 17.7100% | 746 |
| Retained earnings to average equity (ytd only) | 1.6716% | 4,052 |
| Net charge-offs to loans | 0.0059% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 459.6250% | 355 |
| Efficiency ratio | 52.8952% | 3,897 |
| Assets per employee ($millions) | 5.3366% | 3,378 |
| Cash dividends to net income (ytd only)* | 90.5630% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,282 |
| Loan loss allowance to noncurrent loans | 254.3046% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 1,075 |
| Noncurrent loans to loans | 0.5791% | 1,283 |
| Net loans and leases to total assets | 80.2300% | 567 |
| Net loans and leases to deposits | 92.7001% | 873 |
| Net loans and leases to core deposits | 100.0039% | 1,004 |
| Total domestic deposits to total assets | 86.5500% | 2,551 |
| Equity capital to assets | 13.0663% | 689 |
| Core capital (leverage) ratio | 12.9876% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0680% | 1,356 |
| Memoranda: | ||
| Average total assets | $165,694,800 | 3,300 |
| Average earning assets | $156,694,200 | 3,269 |
| Average equity | $20,758,400 | 2,879 |
| Average total loans | $135,742,200 | 2,771 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 235 |
| Cost of funding earning assets | 0.3064% | 2,102 |
| Net interest margin | 4.6071% | 195 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.4449% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0786% | 258 |
| Return on assets (ROA) | 2.0786% | 257 |
| Pretax return on assets | 2.0786% | 397 |
| Return on Equity (ROE) | 16.7600% | 842 |
| Retained earnings to average equity (ytd only) | 1.8663% | 4,058 |
| Net charge-offs to loans | 0.0029% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 868.3333% | 181 |
| Efficiency ratio | 54.0483% | 3,819 |
| Assets per employee ($millions) | 5.2246% | 3,478 |
| Cash dividends to net income (ytd only)* | 88.8676% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,552 |
| Loan loss allowance to noncurrent loans | 253.6232% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 1,154 |
| Noncurrent loans to loans | 0.5591% | 1,425 |
| Net loans and leases to total assets | 82.6200% | 342 |
| Net loans and leases to deposits | 95.3438% | 584 |
| Net loans and leases to core deposits | 102.4523% | 722 |
| Total domestic deposits to total assets | 86.6600% | 2,866 |
| Equity capital to assets | 12.8807% | 693 |
| Core capital (leverage) ratio | 12.4763% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4054% | 1,599 |
| Memoranda: | ||
| Average total assets | $167,093,750 | 3,314 |
| Average earning assets | $157,983,000 | 3,285 |
| Average equity | $20,718,250 | 2,929 |
| Average total loans | $137,085,500 | 2,762 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 273 |
| Cost of funding earning assets | 0.2910% | 1,797 |
| Net interest margin | 4.3672% | 238 |
| Noninterest income to average assets | 0.1623% | 4,196 |
| Noninterest expense to average assets | 2.3779% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9099% | 267 |
| Return on assets (ROA) | 1.9099% | 267 |
| Pretax return on assets | 1.9099% | 458 |
| Return on Equity (ROE) | 15.5972% | 775 |
| Retained earnings to average equity (ytd only) | 2.0996% | 3,721 |
| Net charge-offs to loans | 0.0015% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,612.0000% | 73 |
| Efficiency ratio | 55.4573% | 3,830 |
| Assets per employee ($millions) | 5.7119% | 3,014 |
| Cash dividends to net income (ytd only)* | 86.5385% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,615 |
| Loan loss allowance to noncurrent loans | 247.6864% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 1,245 |
| Noncurrent loans to loans | 0.5794% | 1,457 |
| Net loans and leases to total assets | 77.2371% | 618 |
| Net loans and leases to deposits | 88.2912% | 817 |
| Net loans and leases to core deposits | 94.2658% | 901 |
| Total domestic deposits to total assets | 87.4800% | 2,773 |
| Equity capital to assets | 12.1319% | 833 |
| Core capital (leverage) ratio | 12.0522% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,804,000 | 3,344 |
| Average earning assets | $159,459,667 | 3,316 |
| Average equity | $20,670,333 | 3,000 |
| Average total loans | $137,533,333 | 2,767 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 280 |
| Cost of funding earning assets | 0.2965% | 1,690 |
| Net interest margin | 4.2621% | 257 |
| Noninterest income to average assets | 0.1576% | 4,212 |
| Noninterest expense to average assets | 2.3757% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7979% | 335 |
| Return on assets (ROA) | 1.7979% | 333 |
| Pretax return on assets | 1.7979% | 550 |
| Return on Equity (ROE) | 14.6136% | 718 |
| Retained earnings to average equity (ytd only) | 1.5138% | 3,686 |
| Net charge-offs to loans | -0.0029% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9222% | 3,797 |
| Assets per employee ($millions) | 5.6887% | 3,134 |
| Cash dividends to net income (ytd only)* | 89.6414% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,829 |
| Loan loss allowance to noncurrent loans | 207.4194% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 1,103 |
| Noncurrent loans to loans | 0.6849% | 1,383 |
| Net loans and leases to total assets | 78.4334% | 345 |
| Net loans and leases to deposits | 89.5729% | 532 |
| Net loans and leases to core deposits | 96.1837% | 646 |
| Total domestic deposits to total assets | 87.5637% | 2,718 |
| Equity capital to assets | 12.0999% | 924 |
| Core capital (leverage) ratio | 12.6745% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,527,000 | 3,364 |
| Average earning assets | $157,857,000 | 3,349 |
| Average equity | $20,611,000 | 3,094 |
| Average total loans | $139,160,500 | 2,758 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 289 |
| Cost of funding earning assets | 0.3617% | 1,840 |
| Net interest margin | 4.5591% | 241 |
| Noninterest income to average assets | 0.1635% | 4,335 |
| Noninterest expense to average assets | 2.4514% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0401% | 316 |
| Return on assets (ROA) | 2.0401% | 331 |
| Pretax return on assets | 2.0401% | 564 |
| Return on Equity (ROE) | 15.9913% | 764 |
| Retained earnings to average equity (ytd only) | 3.2978% | 3,494 |
| Net charge-offs to loans | 0.0115% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 216.2667% | 511 |
| Efficiency ratio | 54.5785% | 3,863 |
| Assets per employee ($millions) | 5.4797% | 3,278 |
| Cash dividends to net income (ytd only)* | 79.3773% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,120 |
| Loan loss allowance to noncurrent loans | 1,260.1307% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,287 |
| Noncurrent loans to loans | 0.1073% | 3,392 |
| Net loans and leases to total assets | 85.5321% | 73 |
| Net loans and leases to deposits | 103.1758% | 138 |
| Net loans and leases to core deposits | 110.9325% | 272 |
| Total domestic deposits to total assets | 82.8994% | 3,833 |
| Equity capital to assets | 12.5140% | 1,059 |
| Core capital (leverage) ratio | 12.9298% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,011,600 | 3,401 |
| Average earning assets | $150,950,800 | 3,372 |
| Average equity | $20,286,000 | 3,190 |
| Average total loans | $130,476,400 | 2,848 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 267 |
| Cost of funding earning assets | 0.3781% | 1,867 |
| Net interest margin | 4.6978% | 226 |
| Noninterest income to average assets | 0.1590% | 4,406 |
| Noninterest expense to average assets | 2.4786% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1454% | 358 |
| Return on assets (ROA) | 2.1454% | 376 |
| Pretax return on assets | 2.1454% | 617 |
| Return on Equity (ROE) | 16.7334% | 810 |
| Retained earnings to average equity (ytd only) | 3.3441% | 3,791 |
| Net charge-offs to loans | 0.0167% | 1,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 158.5625% | 652 |
| Efficiency ratio | 53.6028% | 3,858 |
| Assets per employee ($millions) | 5.4595% | 3,239 |
| Cash dividends to net income (ytd only)* | 80.0158% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 1,525 |
| Loan loss allowance to noncurrent loans | 1,259.4771% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,460 |
| Noncurrent loans to loans | 0.1214% | 3,490 |
| Net loans and leases to total assets | 78.3567% | 378 |
| Net loans and leases to deposits | 90.3766% | 588 |
| Net loans and leases to core deposits | 96.9029% | 705 |
| Total domestic deposits to total assets | 86.7002% | 2,462 |
| Equity capital to assets | 12.8911% | 1,018 |
| Core capital (leverage) ratio | 12.8087% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,666,500 | 3,450 |
| Average earning assets | $149,855,000 | 3,417 |
| Average equity | $20,214,500 | 3,228 |
| Average total loans | $127,461,500 | 2,917 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 221 |
| Cost of funding earning assets | 0.3947% | 1,934 |
| Net interest margin | 4.9044% | 191 |
| Noninterest income to average assets | 0.1537% | 4,429 |
| Noninterest expense to average assets | 2.5405% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2700% | 297 |
| Return on assets (ROA) | 2.2700% | 315 |
| Pretax return on assets | 2.2700% | 508 |
| Return on Equity (ROE) | 17.7376% | 683 |
| Retained earnings to average equity (ytd only) | 3.5435% | 3,671 |
| Net charge-offs to loans | 0.0250% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 111.6875% | 703 |
| Efficiency ratio | 52.8123% | 3,949 |
| Assets per employee ($millions) | 5.2654% | 3,393 |
| Cash dividends to net income (ytd only)* | 80.0224% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 1,335 |
| Loan loss allowance to noncurrent loans | 1,259.4771% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 3,564 |
| Noncurrent loans to loans | 0.1252% | 3,560 |
| Net loans and leases to total assets | 76.1163% | 586 |
| Net loans and leases to deposits | 87.6846% | 794 |
| Net loans and leases to core deposits | 94.0268% | 901 |
| Total domestic deposits to total assets | 86.8069% | 2,421 |
| Equity capital to assets | 12.8260% | 1,008 |
| Core capital (leverage) ratio | 12.5564% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,446,667 | 3,455 |
| Average earning assets | $149,497,000 | 3,425 |
| Average equity | $20,149,333 | 3,228 |
| Average total loans | $127,953,333 | 2,922 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 164 |
| Cost of funding earning assets | 0.4221% | 1,923 |
| Net interest margin | 5.2181% | 144 |
| Noninterest income to average assets | 0.1501% | 4,449 |
| Noninterest expense to average assets | 2.6210% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4989% | 267 |
| Return on assets (ROA) | 2.4989% | 293 |
| Pretax return on assets | 2.4989% | 440 |
| Return on Equity (ROE) | 19.5481% | 565 |
| Retained earnings to average equity (ytd only) | 7.6043% | 2,381 |
| Net charge-offs to loans | 0.0397% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 75.5385% | 728 |
| Efficiency ratio | 51.1928% | 4,076 |
| Assets per employee ($millions) | 5.5209% | 3,093 |
| Cash dividends to net income (ytd only)* | 61.0998% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,684 |
| Loan loss allowance to noncurrent loans | 1,229.2994% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 3,701 |
| Noncurrent loans to loans | 0.1202% | 3,711 |
| Net loans and leases to total assets | 80.3817% | 316 |
| Net loans and leases to deposits | 92.3943% | 572 |
| Net loans and leases to core deposits | 97.9996% | 806 |
| Total domestic deposits to total assets | 86.9986% | 2,310 |
| Equity capital to assets | 12.6697% | 1,005 |
| Core capital (leverage) ratio | 13.1181% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,189,500 | 3,466 |
| Average earning assets | $149,710,500 | 3,419 |
| Average equity | $20,094,000 | 3,233 |
| Average total loans | $130,849,500 | 2,889 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 381 |
| Cost of funding earning assets | 0.6985% | 1,723 |
| Net interest margin | 4.4339% | 371 |
| Noninterest income to average assets | 0.1663% | 4,459 |
| Noninterest expense to average assets | 2.4968% | 2,856 |
| Loan and lease loss provision to assets | 0.0677% | 3,533 |
| Net operating income to assets | 1.7994% | 389 |
| Return on assets (ROA) | 1.7994% | 418 |
| Pretax return on assets | 1.7994% | 685 |
| Return on Equity (ROE) | 14.0655% | 802 |
| Retained earnings to average equity (ytd only) | 1.4710% | 4,047 |
| Net charge-offs to loans | 0.0007% | 3,406 |
| Credit loss provision to net charge-offs | 10,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 2,897.0000% | 32 |
| Efficiency ratio | 57.2146% | 3,831 |
| Assets per employee ($millions) | 5.1424% | 3,239 |
| Cash dividends to net income (ytd only)* | 89.5415% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,646 |
| Loan loss allowance to noncurrent loans | 10,794.4444% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,363 |
| Noncurrent loans to loans | 0.0137% | 4,316 |
| Net loans and leases to total assets | 83.7023% | 191 |
| Net loans and leases to deposits | 96.4960% | 525 |
| Net loans and leases to core deposits | 103.6049% | 743 |
| Total domestic deposits to total assets | 86.7417% | 2,063 |
| Equity capital to assets | 12.9012% | 1,131 |
| Core capital (leverage) ratio | 13.0288% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,159,600 | 3,337 |
| Average earning assets | $146,892,600 | 3,304 |
| Average equity | $19,850,000 | 3,202 |
| Average total loans | $135,149,000 | 2,802 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 384 |
| Cost of funding earning assets | 0.7533% | 1,721 |
| Net interest margin | 4.4852% | 391 |
| Noninterest income to average assets | 0.1673% | 4,464 |
| Noninterest expense to average assets | 2.4970% | 2,862 |
| Loan and lease loss provision to assets | 0.0901% | 3,186 |
| Net operating income to assets | 1.8157% | 435 |
| Return on assets (ROA) | 1.8157% | 484 |
| Pretax return on assets | 1.8157% | 756 |
| Return on Equity (ROE) | 14.2224% | 834 |
| Retained earnings to average equity (ytd only) | 2.0903% | 3,899 |
| Net charge-offs to loans | 0.0029% | 3,067 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 740.3333% | 163 |
| Efficiency ratio | 56.7141% | 3,829 |
| Assets per employee ($millions) | 5.0585% | 3,169 |
| Cash dividends to net income (ytd only)* | 85.3025% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,433 |
| Loan loss allowance to noncurrent loans | 185.2099% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 1,683 |
| Noncurrent loans to loans | 0.8012% | 1,820 |
| Net loans and leases to total assets | 84.9126% | 213 |
| Net loans and leases to deposits | 100.5760% | 513 |
| Net loans and leases to core deposits | 107.8633% | 772 |
| Total domestic deposits to total assets | 84.4263% | 2,664 |
| Equity capital to assets | 13.1277% | 1,126 |
| Core capital (leverage) ratio | 13.0888% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,381,250 | 3,310 |
| Average earning assets | $146,731,000 | 3,279 |
| Average equity | $19,836,750 | 3,200 |
| Average total loans | $136,168,000 | 2,794 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 433 |
| Cost of funding earning assets | 0.8163% | 1,754 |
| Net interest margin | 4.5487% | 454 |
| Noninterest income to average assets | 0.1520% | 4,535 |
| Noninterest expense to average assets | 2.4970% | 2,965 |
| Loan and lease loss provision to assets | 0.0766% | 3,336 |
| Net operating income to assets | 1.8699% | 428 |
| Return on assets (ROA) | 1.8699% | 475 |
| Pretax return on assets | 1.8699% | 710 |
| Return on Equity (ROE) | 14.7817% | 738 |
| Retained earnings to average equity (ytd only) | 4.0286% | 2,891 |
| Net charge-offs to loans | 0.0014% | 2,972 |
| Credit loss provision to net charge-offs | 6,000.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 1,524.0000% | 49 |
| Efficiency ratio | 56.1943% | 3,918 |
| Assets per employee ($millions) | 5.0911% | 3,075 |
| Cash dividends to net income (ytd only)* | 72.7459% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,469 |
| Loan loss allowance to noncurrent loans | 177.3832% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 1,755 |
| Noncurrent loans to loans | 0.8081% | 1,879 |
| Net loans and leases to total assets | 85.4498% | 160 |
| Net loans and leases to deposits | 101.1212% | 484 |
| Net loans and leases to core deposits | 108.9617% | 771 |
| Total domestic deposits to total assets | 84.5024% | 2,555 |
| Equity capital to assets | 13.1013% | 1,122 |
| Core capital (leverage) ratio | 13.1165% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,589,667 | 3,287 |
| Average earning assets | $147,735,667 | 3,245 |
| Average equity | $19,808,333 | 3,194 |
| Average total loans | $137,957,000 | 2,768 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3570% | 487 |
| Cost of funding earning assets | 0.8719% | 2,004 |
| Net interest margin | 4.4851% | 520 |
| Noninterest income to average assets | 0.1842% | 4,444 |
| Noninterest expense to average assets | 2.4653% | 3,376 |
| Loan and lease loss provision to assets | 0.0379% | 3,297 |
| Net operating income to assets | 1.9253% | 314 |
| Return on assets (ROA) | 1.9253% | 345 |
| Pretax return on assets | 1.9253% | 542 |
| Return on Equity (ROE) | 15.4865% | 485 |
| Retained earnings to average equity (ytd only) | 3.9173% | 2,711 |
| Net charge-offs to loans | 0.0028% | 2,494 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 778.0000% | 76 |
| Efficiency ratio | 55.6695% | 4,239 |
| Assets per employee ($millions) | 5.1217% | 2,511 |
| Cash dividends to net income (ytd only)* | 74.7051% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,027 |
| Loan loss allowance to noncurrent loans | 176.8130% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 1,958 |
| Noncurrent loans to loans | 0.7493% | 2,129 |
| Net loans and leases to total assets | 89.8223% | 35 |
| Net loans and leases to deposits | 108.4548% | 216 |
| Net loans and leases to core deposits | 119.0118% | 501 |
| Total domestic deposits to total assets | 82.8200% | 3,164 |
| Equity capital to assets | 12.8890% | 1,497 |
| Core capital (leverage) ratio | 13.2560% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,518,000 | 3,228 |
| Average earning assets | $150,009,000 | 3,194 |
| Average equity | $19,707,500 | 3,196 |
| Average total loans | $140,731,500 | 2,720 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7972% | 328 |
| Cost of funding earning assets | 0.8306% | 2,525 |
| Net interest margin | 4.9666% | 286 |
| Noninterest income to average assets | 0.1832% | 4,570 |
| Noninterest expense to average assets | 2.5675% | 3,265 |
| Loan and lease loss provision to assets | 0.0263% | 3,486 |
| Net operating income to assets | 2.3193% | 180 |
| Return on assets (ROA) | 2.3193% | 191 |
| Pretax return on assets | 2.3193% | 296 |
| Return on Equity (ROE) | 18.2907% | 320 |
| Retained earnings to average equity (ytd only) | 3.7172% | 3,129 |
| Net charge-offs to loans | 0.0058% | 3,471 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 446.6250% | 208 |
| Efficiency ratio | 52.2582% | 4,585 |
| Assets per employee ($millions) | 5.1058% | 2,447 |
| Cash dividends to net income (ytd only)* | 79.6773% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.5392% | 198 |
| Net loans and leases to deposits | 97.5705% | 790 |
| Net loans and leases to core deposits | 105.7899% | 1,117 |
| Total domestic deposits to total assets | 87.6691% | 1,291 |
| Equity capital to assets | 12.0029% | 2,136 |
| Core capital (leverage) ratio | 12.7578% | 1,350 |
| Tier 1 risk-based capital ratio | 12.9162% | 3,831 |
| Total risk-based capital ratio | 14.1274% | 3,736 |
| Memoranda: | ||
| Average total assets | $152,328,800 | 3,264 |
| Average earning assets | $145,069,800 | 3,217 |
| Average equity | $19,315,800 | 3,190 |
| Average total loans | $137,062,000 | 2,759 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9614% | 259 |
| Cost of funding earning assets | 0.8194% | 2,619 |
| Net interest margin | 5.1419% | 215 |
| Noninterest income to average assets | 0.1828% | 4,633 |
| Noninterest expense to average assets | 2.6441% | 3,030 |
| Loan and lease loss provision to assets | 0.0267% | 3,364 |
| Net operating income to assets | 2.4123% | 189 |
| Return on assets (ROA) | 2.4123% | 196 |
| Pretax return on assets | 2.4123% | 297 |
| Return on Equity (ROE) | 18.7502% | 336 |
| Retained earnings to average equity (ytd only) | 4.8227% | 2,977 |
| Net charge-offs to loans | 0.0069% | 3,130 |
| Credit loss provision to net charge-offs | 428.5714% | 716 |
| Earnings coverage of net charge-offs (x) | 390.9871% | 255 |
| Efficiency ratio | 52.0168% | 4,592 |
| Assets per employee ($millions) | 4.6716% | 2,945 |
| Cash dividends to net income (ytd only)* | 74.2793% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 88.0244% | 95 |
| Net loans and leases to deposits | 102.3854% | 486 |
| Net loans and leases to core deposits | 112.9756% | 801 |
| Total domestic deposits to total assets | 85.9735% | 2,009 |
| Equity capital to assets | 13.5265% | 1,349 |
| Core capital (leverage) ratio | 13.1023% | 1,305 |
| Tier 1 risk-based capital ratio | 14.3446% | 3,158 |
| Total risk-based capital ratio | 15.5953% | 3,064 |
| Memoranda: | ||
| Average total assets | $149,564,500 | 3,336 |
| Average earning assets | $142,536,750 | 3,279 |
| Average equity | $19,242,000 | 3,221 |
| Average total loans | $135,928,000 | 2,795 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9909% | 239 |
| Cost of funding earning assets | 0.7756% | 2,772 |
| Net interest margin | 5.2153% | 192 |
| Noninterest income to average assets | 0.1800% | 4,672 |
| Noninterest expense to average assets | 2.6756% | 2,990 |
| Loan and lease loss provision to assets | 0.0397% | 3,020 |
| Net operating income to assets | 2.4387% | 167 |
| Return on assets (ROA) | 2.4387% | 172 |
| Pretax return on assets | 2.4387% | 268 |
| Return on Equity (ROE) | 19.2719% | 300 |
| Retained earnings to average equity (ytd only) | 4.8415% | 2,841 |
| Net charge-offs to loans | 0.0058% | 2,944 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 468.2500% | 163 |
| Efficiency ratio | 51.9127% | 4,662 |
| Assets per employee ($millions) | 4.9246% | 2,575 |
| Cash dividends to net income (ytd only)* | 74.8779% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 1,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 88.2015% | 106 |
| Net loans and leases to deposits | 105.3219% | 366 |
| Net loans and leases to core deposits | 116.2085% | 676 |
| Total domestic deposits to total assets | 83.7447% | 2,968 |
| Equity capital to assets | 12.6788% | 1,756 |
| Core capital (leverage) ratio | 13.0520% | 1,274 |
| Tier 1 risk-based capital ratio | 13.4466% | 3,611 |
| Total risk-based capital ratio | 14.6964% | 3,510 |
| Memoranda: | ||
| Average total assets | $151,146,330 | 3,337 |
| Average earning assets | $144,153,000 | 3,281 |
| Average equity | $19,126,330 | 3,237 |
| Average total loans | $138,135,330 | 2,786 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0038% | 222 |
| Cost of funding earning assets | 0.7494% | 2,793 |
| Net interest margin | 5.2544% | 181 |
| Noninterest income to average assets | 0.1862% | 4,636 |
| Noninterest expense to average assets | 2.6891% | 2,943 |
| Loan and lease loss provision to assets | 0.0612% | 2,433 |
| Net operating income to assets | 2.4523% | 177 |
| Return on assets (ROA) | 2.4523% | 187 |
| Pretax return on assets | 2.4523% | 272 |
| Return on Equity (ROE) | 19.3988% | 298 |
| Retained earnings to average equity (ytd only) | 4.9865% | 2,915 |
| Net charge-offs to loans | 0.0029% | 2,640 |
| Credit loss provision to net charge-offs | 2,300.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 945.0000% | 58 |
| Efficiency ratio | 51.6871% | 4,715 |
| Assets per employee ($millions) | 4.9373% | 2,600 |
| Cash dividends to net income (ytd only)* | 74.2950% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 1,890 |
| Loan loss allowance to noncurrent loans | 1,088.6905% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,241 |
| Noncurrent loans to loans | 0.1235% | 4,186 |
| Net loans and leases to total assets | 90.5961% | 40 |
| Net loans and leases to deposits | 104.5623% | 377 |
| Net loans and leases to core deposits | 115.5834% | 660 |
| Total domestic deposits to total assets | 86.6432% | 1,987 |
| Equity capital to assets | 12.9153% | 1,505 |
| Core capital (leverage) ratio | 12.7999% | 1,360 |
| Tier 1 risk-based capital ratio | 13.2213% | 3,759 |
| Total risk-based capital ratio | 14.4708% | 3,662 |
| Memoranda: | ||
| Average total assets | $150,387,500 | 3,380 |
| Average earning assets | $143,576,000 | 3,326 |
| Average equity | $19,011,500 | 3,261 |
| Average total loans | $138,960,500 | 2,805 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 278 |
| Cost of funding earning assets | 0.5993% | 2,724 |
| Net interest margin | 5.1029% | 222 |
| Noninterest income to average assets | 0.1699% | 4,877 |
| Noninterest expense to average assets | 2.6167% | 3,283 |
| Loan and lease loss provision to assets | 0.0575% | 3,013 |
| Net operating income to assets | 2.3632% | 188 |
| Return on assets (ROA) | 2.3632% | 184 |
| Pretax return on assets | 2.3632% | 263 |
| Return on Equity (ROE) | 20.0786% | 245 |
| Retained earnings to average equity (ytd only) | 5.0196% | 2,756 |
| Net charge-offs to loans | 0.0014% | 3,713 |
| Credit loss provision to net charge-offs | 4,500.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 1,895.0000% | 51 |
| Efficiency ratio | 51.9462% | 4,803 |
| Assets per employee ($millions) | 5.0885% | 2,396 |
| Cash dividends to net income (ytd only)* | 75.0000% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 91.7717% | 30 |
| Net loans and leases to deposits | 105.2057% | 407 |
| Net loans and leases to core deposits | 115.1680% | 728 |
| Total domestic deposits to total assets | 87.2308% | 1,672 |
| Equity capital to assets | 12.3762% | 1,648 |
| Core capital (leverage) ratio | 12.3597% | 1,531 |
| Tier 1 risk-based capital ratio | 12.6624% | 4,040 |
| Total risk-based capital ratio | 13.8735% | 3,944 |
| Memoranda: | ||
| Average total assets | $156,570,200 | 3,321 |
| Average earning assets | $149,347,000 | 3,250 |
| Average equity | $18,427,600 | 3,251 |
| Average total loans | $144,198,400 | 2,722 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 297 |
| Cost of funding earning assets | 0.5760% | 2,661 |
| Net interest margin | 5.0271% | 256 |
| Noninterest income to average assets | 0.1659% | 4,956 |
| Noninterest expense to average assets | 2.5938% | 3,298 |
| Loan and lease loss provision to assets | 0.0567% | 2,841 |
| Net operating income to assets | 2.3163% | 215 |
| Return on assets (ROA) | 2.3163% | 214 |
| Pretax return on assets | 2.3163% | 329 |
| Return on Equity (ROE) | 19.9290% | 280 |
| Retained earnings to average equity (ytd only) | 4.8931% | 3,295 |
| Net charge-offs to loans | 0.0009% | 3,468 |
| Credit loss provision to net charge-offs | 6,700.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 2,810.9549% | 21 |
| Efficiency ratio | 52.2235% | 4,787 |
| Assets per employee ($millions) | 5.1465% | 2,284 |
| Cash dividends to net income (ytd only)* | 75.4475% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 89.3804% | 96 |
| Net loans and leases to deposits | 102.2230% | 632 |
| Net loans and leases to core deposits | 115.6372% | 731 |
| Total domestic deposits to total assets | 87.4367% | 1,528 |
| Equity capital to assets | 12.0730% | 1,856 |
| Core capital (leverage) ratio | 12.0452% | 1,758 |
| Tier 1 risk-based capital ratio | 12.4413% | 4,229 |
| Total risk-based capital ratio | 13.6328% | 4,159 |
| Memoranda: | ||
| Average total assets | $157,548,750 | 3,338 |
| Average earning assets | $150,460,750 | 3,268 |
| Average equity | $18,311,250 | 3,278 |
| Average total loans | $144,772,500 | 2,729 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5733% | 289 |
| Cost of funding earning assets | 0.5339% | 2,738 |
| Net interest margin | 5.0394% | 231 |
| Noninterest income to average assets | 0.1627% | 5,012 |
| Noninterest expense to average assets | 2.5675% | 3,422 |
| Loan and lease loss provision to assets | 0.0567% | 2,777 |
| Net operating income to assets | 2.3468% | 188 |
| Return on assets (ROA) | 2.3468% | 184 |
| Pretax return on assets | 2.3468% | 305 |
| Return on Equity (ROE) | 20.4487% | 233 |
| Retained earnings to average equity (ytd only) | 5.0655% | 3,043 |
| Net charge-offs to loans | 0.0014% | 3,163 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,906.0000% | 33 |
| Efficiency ratio | 51.6489% | 4,926 |
| Assets per employee ($millions) | 5.1942% | 2,196 |
| Cash dividends to net income (ytd only)* | 75.2284% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 90.6825% | 56 |
| Net loans and leases to deposits | 103.3588% | 561 |
| Net loans and leases to core deposits | 116.4181% | 696 |
| Total domestic deposits to total assets | 87.7356% | 1,514 |
| Equity capital to assets | 11.8267% | 1,975 |
| Core capital (leverage) ratio | 11.7986% | 1,838 |
| Tier 1 risk-based capital ratio | 12.0939% | 4,446 |
| Total risk-based capital ratio | 13.2508% | 4,374 |
| Memoranda: | ||
| Average total assets | $158,600,330 | 3,336 |
| Average earning assets | $151,329,000 | 3,276 |
| Average equity | $18,201,670 | 3,311 |
| Average total loans | $146,435,670 | 2,712 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 233 |
| Cost of funding earning assets | 0.4963% | 2,824 |
| Net interest margin | 5.1099% | 188 |
| Noninterest income to average assets | 0.1625% | 5,047 |
| Noninterest expense to average assets | 2.5477% | 3,498 |
| Loan and lease loss provision to assets | 0.0550% | 2,665 |
| Net operating income to assets | 2.4252% | 165 |
| Return on assets (ROA) | 2.4252% | 168 |
| Pretax return on assets | 2.4252% | 253 |
| Return on Equity (ROE) | 21.4507% | 179 |
| Retained earnings to average equity (ytd only) | 5.3074% | 3,035 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6713% | 5,048 |
| Assets per employee ($millions) | 5.3768% | 2,064 |
| Cash dividends to net income (ytd only)* | 75.2577% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 88.1194% | 125 |
| Net loans and leases to deposits | 99.7607% | 726 |
| Net loans and leases to core deposits | 112.4791% | 865 |
| Total domestic deposits to total assets | 88.3308% | 1,445 |
| Equity capital to assets | 11.2879% | 2,313 |
| Core capital (leverage) ratio | 11.4548% | 2,048 |
| Tier 1 risk-based capital ratio | 11.7945% | 4,687 |
| Total risk-based capital ratio | 12.9223% | 4,646 |
| Memoranda: | ||
| Average total assets | $159,988,000 | 3,353 |
| Average earning assets | $152,331,000 | 3,292 |
| Average equity | $18,088,000 | 3,343 |
| Average total loans | $148,119,000 | 2,710 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 246 |
| Cost of funding earning assets | 0.3527% | 3,690 |
| Net interest margin | 5.2036% | 169 |
| Noninterest income to average assets | 0.1663% | 5,129 |
| Noninterest expense to average assets | 2.6219% | 3,375 |
| Loan and lease loss provision to assets | 0.0601% | 3,032 |
| Net operating income to assets | 2.4309% | 134 |
| Return on assets (ROA) | 2.4309% | 135 |
| Pretax return on assets | 2.4309% | 204 |
| Return on Equity (ROE) | 20.8095% | 167 |
| Retained earnings to average equity (ytd only) | 5.2881% | 1,944 |
| Net charge-offs to loans | 0.0732% | 2,400 |
| Credit loss provision to net charge-offs | 87.3786% | 2,829 |
| Earnings coverage of net charge-offs (x) | 36.2136% | 1,350 |
| Efficiency ratio | 51.2800% | 5,147 |
| Assets per employee ($millions) | 5.4714% | 1,965 |
| Cash dividends to net income (ytd only)* | 74.5879% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,195 |
| Loan loss allowance to noncurrent loans | 2,455.7143% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,915 |
| Noncurrent loans to loans | 0.0459% | 4,791 |
| Net loans and leases to total assets | 94.9367% | 5 |
| Net loans and leases to deposits | 108.2917% | 315 |
| Net loans and leases to core deposits | 121.4766% | 539 |
| Total domestic deposits to total assets | 87.6676% | 1,671 |
| Equity capital to assets | 11.3241% | 2,346 |
| Core capital (leverage) ratio | 11.6934% | 1,796 |
| Tier 1 risk-based capital ratio | 11.0687% | 5,105 |
| Total risk-based capital ratio | 12.1277% | 5,108 |
| Memoranda: | ||
| Average total assets | $149,737,600 | 3,473 |
| Average earning assets | $142,344,200 | 3,420 |
| Average equity | $17,492,000 | 3,432 |
| Average total loans | $140,667,800 | 2,771 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 238 |
| Cost of funding earning assets | 0.3198% | 3,935 |
| Net interest margin | 5.2326% | 160 |
| Noninterest income to average assets | 0.1654% | 5,189 |
| Noninterest expense to average assets | 2.6774% | 3,134 |
| Loan and lease loss provision to assets | 0.0615% | 2,841 |
| Net operating income to assets | 2.3963% | 158 |
| Return on assets (ROA) | 2.3963% | 159 |
| Pretax return on assets | 2.3963% | 258 |
| Return on Equity (ROE) | 20.3452% | 208 |
| Retained earnings to average equity (ytd only) | 4.9961% | 2,890 |
| Net charge-offs to loans | 0.0803% | 1,997 |
| Credit loss provision to net charge-offs | 81.9277% | 2,555 |
| Earnings coverage of net charge-offs (x) | 32.7602% | 1,474 |
| Efficiency ratio | 52.1387% | 5,086 |
| Assets per employee ($millions) | 5.2601% | 2,162 |
| Cash dividends to net income (ytd only)* | 75.4432% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,023 |
| Loan loss allowance to noncurrent loans | 2,452.8571% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 3,351 |
| Noncurrent loans to loans | 0.0483% | 4,895 |
| Net loans and leases to total assets | 93.9761% | 9 |
| Net loans and leases to deposits | 112.9484% | 202 |
| Net loans and leases to core deposits | 124.6808% | 442 |
| Total domestic deposits to total assets | 83.2027% | 3,391 |
| Equity capital to assets | 11.5994% | 2,278 |
| Core capital (leverage) ratio | 12.0210% | 1,673 |
| Tier 1 risk-based capital ratio | 11.4480% | 4,987 |
| Total risk-based capital ratio | 12.5589% | 4,962 |
| Memoranda: | ||
| Average total assets | $147,504,250 | 3,528 |
| Average earning assets | $140,093,500 | 3,480 |
| Average equity | $17,373,000 | 3,480 |
| Average total loans | $137,745,750 | 2,828 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 231 |
| Cost of funding earning assets | 0.3055% | 4,029 |
| Net interest margin | 5.2396% | 156 |
| Noninterest income to average assets | 0.1660% | 5,228 |
| Noninterest expense to average assets | 2.7046% | 3,073 |
| Loan and lease loss provision to assets | 0.0617% | 2,729 |
| Net operating income to assets | 2.3864% | 154 |
| Return on assets (ROA) | 2.3864% | 153 |
| Pretax return on assets | 2.3864% | 256 |
| Return on Equity (ROE) | 20.1552% | 213 |
| Retained earnings to average equity (ytd only) | 5.2126% | 2,574 |
| Net charge-offs to loans | 0.1212% | 1,438 |
| Credit loss provision to net charge-offs | 54.8780% | 2,508 |
| Earnings coverage of net charge-offs (x) | 21.7683% | 1,737 |
| Efficiency ratio | 52.4887% | 5,137 |
| Assets per employee ($millions) | 5.1172% | 2,253 |
| Cash dividends to net income (ytd only)* | 74.1379% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,914 |
| Loan loss allowance to noncurrent loans | 830.8824% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,029 |
| Noncurrent loans to loans | 0.1465% | 4,529 |
| Net loans and leases to total assets | 92.7142% | 23 |
| Net loans and leases to deposits | 105.6152% | 409 |
| Net loans and leases to core deposits | 116.0132% | 712 |
| Total domestic deposits to total assets | 87.7850% | 1,574 |
| Equity capital to assets | 11.7878% | 2,085 |
| Core capital (leverage) ratio | 11.8383% | 1,742 |
| Tier 1 risk-based capital ratio | 11.8637% | 4,722 |
| Total risk-based capital ratio | 13.0132% | 4,683 |
| Memoranda: | ||
| Average total assets | $145,825,000 | 3,572 |
| Average earning assets | $138,789,670 | 3,513 |
| Average equity | $17,266,000 | 3,506 |
| Average total loans | $135,304,330 | 2,866 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 246 |
| Cost of funding earning assets | 0.2972% | 4,071 |
| Net interest margin | 5.1670% | 160 |
| Noninterest income to average assets | 0.1605% | 5,312 |
| Noninterest expense to average assets | 2.7176% | 3,077 |
| Loan and lease loss provision to assets | 0.0637% | 2,530 |
| Net operating income to assets | 2.3357% | 185 |
| Return on assets (ROA) | 2.3357% | 186 |
| Pretax return on assets | 2.3357% | 285 |
| Return on Equity (ROE) | 19.6823% | 247 |
| Retained earnings to average equity (ytd only) | 5.1071% | 2,827 |
| Net charge-offs to loans | 0.2490% | 723 |
| Credit loss provision to net charge-offs | 27.7108% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.4458% | 1,936 |
| Efficiency ratio | 53.1098% | 5,194 |
| Assets per employee ($millions) | 5.0746% | 2,341 |
| Cash dividends to net income (ytd only)* | 74.0521% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,877 |
| Loan loss allowance to noncurrent loans | 819.6078% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 3,138 |
| Noncurrent loans to loans | 0.1516% | 4,581 |
| Net loans and leases to total assets | 90.2972% | 50 |
| Net loans and leases to deposits | 102.7440% | 460 |
| Net loans and leases to core deposits | 114.2212% | 661 |
| Total domestic deposits to total assets | 87.8856% | 1,779 |
| Equity capital to assets | 11.7298% | 2,012 |
| Core capital (leverage) ratio | 12.0024% | 1,628 |
| Tier 1 risk-based capital ratio | 11.9279% | 4,768 |
| Total risk-based capital ratio | 13.0833% | 4,733 |
| Memoranda: | ||
| Average total assets | $144,538,000 | 3,625 |
| Average earning assets | $138,648,500 | 3,544 |
| Average equity | $17,152,500 | 3,529 |
| Average total loans | $133,315,500 | 2,915 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 288 |
| Cost of funding earning assets | 0.3272% | 3,773 |
| Net interest margin | 5.0776% | 221 |
| Noninterest income to average assets | 0.1863% | 5,283 |
| Noninterest expense to average assets | 2.6775% | 3,424 |
| Loan and lease loss provision to assets | 0.0640% | 3,094 |
| Net operating income to assets | 2.2778% | 206 |
| Return on assets (ROA) | 2.2778% | 215 |
| Pretax return on assets | 2.2778% | 289 |
| Return on Equity (ROE) | 19.2451% | 254 |
| Retained earnings to average equity (ytd only) | 4.8248% | 2,458 |
| Net charge-offs to loans | 0.0008% | 4,259 |
| Credit loss provision to net charge-offs | 9,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 3,293.0000% | 13 |
| Efficiency ratio | 53.3437% | 5,297 |
| Assets per employee ($millions) | 4.8935% | 2,512 |
| Cash dividends to net income (ytd only)* | 74.9298% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,486 |
| Loan loss allowance to noncurrent loans | 209.1787% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 2,986 |
| Noncurrent loans to loans | 0.6269% | 2,972 |
| Net loans and leases to total assets | 91.8471% | 36 |
| Net loans and leases to deposits | 104.7984% | 398 |
| Net loans and leases to core deposits | 116.7238% | 585 |
| Total domestic deposits to total assets | 87.6416% | 1,816 |
| Equity capital to assets | 12.0096% | 1,796 |
| Core capital (leverage) ratio | 12.0876% | 1,547 |
| Tier 1 risk-based capital ratio | 12.1728% | 4,600 |
| Total risk-based capital ratio | 13.4099% | 4,487 |
| Memoranda: | ||
| Average total assets | $140,618,600 | 3,661 |
| Average earning assets | $133,842,800 | 3,590 |
| Average equity | $16,643,200 | 3,600 |
| Average total loans | $128,076,800 | 2,950 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 326 |
| Cost of funding earning assets | 0.3247% | 3,819 |
| Net interest margin | 5.0358% | 236 |
| Noninterest income to average assets | 0.1853% | 5,351 |
| Noninterest expense to average assets | 2.6676% | 3,436 |
| Loan and lease loss provision to assets | 0.0637% | 2,966 |
| Net operating income to assets | 2.2438% | 228 |
| Return on assets (ROA) | 2.2438% | 241 |
| Pretax return on assets | 2.2438% | 348 |
| Return on Equity (ROE) | 19.0284% | 293 |
| Retained earnings to average equity (ytd only) | 4.7068% | 3,007 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6199% | 5,265 |
| Assets per employee ($millions) | 5.0154% | 2,356 |
| Cash dividends to net income (ytd only)* | 75.2646% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,409 |
| Loan loss allowance to noncurrent loans | 130.1370% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 2,226 |
| Noncurrent loans to loans | 1.0421% | 2,157 |
| Net loans and leases to total assets | 88.5702% | 110 |
| Net loans and leases to deposits | 101.1154% | 631 |
| Net loans and leases to core deposits | 116.7975% | 622 |
| Total domestic deposits to total assets | 87.5932% | 1,614 |
| Equity capital to assets | 11.9803% | 2,127 |
| Core capital (leverage) ratio | 12.0130% | 1,670 |
| Tier 1 risk-based capital ratio | 12.6355% | 4,379 |
| Total risk-based capital ratio | 13.8859% | 4,295 |
| Memoranda: | ||
| Average total assets | $140,295,250 | 3,688 |
| Average earning assets | $133,440,250 | 3,616 |
| Average equity | $16,543,250 | 3,650 |
| Average total loans | $127,077,500 | 2,969 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 297 |
| Cost of funding earning assets | 0.3187% | 3,913 |
| Net interest margin | 5.0822% | 221 |
| Noninterest income to average assets | 0.1882% | 5,366 |
| Noninterest expense to average assets | 2.6923% | 3,417 |
| Loan and lease loss provision to assets | 0.0642% | 2,859 |
| Net operating income to assets | 2.2759% | 203 |
| Return on assets (ROA) | 2.2759% | 214 |
| Pretax return on assets | 2.2759% | 323 |
| Return on Equity (ROE) | 19.4046% | 271 |
| Retained earnings to average equity (ytd only) | 5.1794% | 2,614 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4996% | 5,350 |
| Assets per employee ($millions) | 4.8461% | 2,490 |
| Cash dividends to net income (ytd only)* | 73.3083% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,417 |
| Loan loss allowance to noncurrent loans | 827.4510% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,931 |
| Noncurrent loans to loans | 0.1660% | 4,777 |
| Net loans and leases to total assets | 86.2301% | 237 |
| Net loans and leases to deposits | 98.2656% | 862 |
| Net loans and leases to core deposits | 114.0177% | 722 |
| Total domestic deposits to total assets | 87.7521% | 1,548 |
| Equity capital to assets | 11.8587% | 2,225 |
| Core capital (leverage) ratio | 11.9298% | 1,684 |
| Tier 1 risk-based capital ratio | 12.5289% | 4,497 |
| Total risk-based capital ratio | 13.7791% | 4,414 |
| Memoranda: | ||
| Average total assets | $140,250,000 | 3,713 |
| Average earning assets | $133,681,000 | 3,635 |
| Average equity | $16,449,670 | 3,672 |
| Average total loans | $127,406,670 | 2,977 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5565% | 236 |
| Cost of funding earning assets | 0.3057% | 4,100 |
| Net interest margin | 5.2508% | 160 |
| Noninterest income to average assets | 0.1998% | 5,309 |
| Noninterest expense to average assets | 2.7379% | 3,285 |
| Loan and lease loss provision to assets | 0.0628% | 2,696 |
| Net operating income to assets | 2.4010% | 182 |
| Return on assets (ROA) | 2.4010% | 190 |
| Pretax return on assets | 2.4010% | 279 |
| Return on Equity (ROE) | 20.5856% | 208 |
| Retained earnings to average equity (ytd only) | 4.9689% | 2,963 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6345% | 5,475 |
| Assets per employee ($millions) | 4.8770% | 2,482 |
| Cash dividends to net income (ytd only)* | 75.8621% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,823 |
| Loan loss allowance to noncurrent loans | 486.8421% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 4,590 |
| Noncurrent loans to loans | 0.2704% | 4,466 |
| Net loans and leases to total assets | 88.2474% | 105 |
| Net loans and leases to deposits | 100.2909% | 609 |
| Net loans and leases to core deposits | 117.0090% | 564 |
| Total domestic deposits to total assets | 87.9914% | 1,650 |
| Equity capital to assets | 11.6261% | 2,310 |
| Core capital (leverage) ratio | 11.7850% | 1,763 |
| Tier 1 risk-based capital ratio | 12.3345% | 4,704 |
| Total risk-based capital ratio | 13.5835% | 4,600 |
| Memoranda: | ||
| Average total assets | $140,106,000 | 3,741 |
| Average earning assets | $133,465,000 | 3,660 |
| Average equity | $16,341,500 | 3,688 |
| Average total loans | $129,673,000 | 2,938 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 235 |
| Cost of funding earning assets | 0.2473% | 4,811 |
| Net interest margin | 5.3518% | 156 |
| Noninterest income to average assets | 0.1913% | 5,445 |
| Noninterest expense to average assets | 2.8164% | 3,166 |
| Loan and lease loss provision to assets | 0.0393% | 3,548 |
| Net operating income to assets | 2.4032% | 173 |
| Return on assets (ROA) | 2.4032% | 177 |
| Pretax return on assets | 2.4032% | 244 |
| Return on Equity (ROE) | 20.6673% | 217 |
| Retained earnings to average equity (ytd only) | 3.1214% | 3,837 |
| Net charge-offs to loans | 0.0271% | 3,688 |
| Credit loss provision to net charge-offs | 154.2857% | 1,731 |
| Earnings coverage of net charge-offs (x) | 95.9429% | 599 |
| Efficiency ratio | 53.5546% | 5,550 |
| Assets per employee ($millions) | 4.7855% | 2,627 |
| Cash dividends to net income (ytd only)* | 84.8971% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 3,268 |
| Loan loss allowance to noncurrent loans | 300.3656% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 4,006 |
| Noncurrent loans to loans | 0.4117% | 3,976 |
| Net loans and leases to total assets | 94.5583% | 5 |
| Net loans and leases to deposits | 108.6918% | 276 |
| Net loans and leases to core deposits | 122.9878% | 407 |
| Total domestic deposits to total assets | 86.9967% | 2,141 |
| Equity capital to assets | 11.7020% | 2,193 |
| Core capital (leverage) ratio | 11.9245% | 1,663 |
| Tier 1 risk-based capital ratio | 11.6707% | 5,152 |
| Total risk-based capital ratio | 12.8514% | 5,099 |
| Memoranda: | ||
| Average total assets | $137,482,800 | 3,760 |
| Average earning assets | $130,180,200 | 3,700 |
| Average equity | $15,986,600 | 3,676 |
| Average total loans | $129,098,600 | 2,897 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5766% | 234 |
| Cost of funding earning assets | 0.2500% | 4,880 |
| Net interest margin | 5.3266% | 161 |
| Noninterest income to average assets | 0.1934% | 5,500 |
| Noninterest expense to average assets | 2.7850% | 3,251 |
| Loan and lease loss provision to assets | 0.0651% | 2,884 |
| Net operating income to assets | 2.3758% | 192 |
| Return on assets (ROA) | 2.3758% | 200 |
| Pretax return on assets | 2.3758% | 295 |
| Return on Equity (ROE) | 20.4644% | 246 |
| Retained earnings to average equity (ytd only) | 2.9223% | 4,370 |
| Net charge-offs to loans | 0.0687% | 2,582 |
| Credit loss provision to net charge-offs | 101.5152% | 2,232 |
| Earnings coverage of net charge-offs (x) | 38.0445% | 1,290 |
| Efficiency ratio | 53.2924% | 5,566 |
| Assets per employee ($millions) | 4.8080% | 2,553 |
| Cash dividends to net income (ytd only)* | 85.7199% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 3,221 |
| Loan loss allowance to noncurrent loans | 171.5945% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 3,139 |
| Noncurrent loans to loans | 0.7444% | 3,101 |
| Net loans and leases to total assets | 93.2865% | 15 |
| Net loans and leases to deposits | 106.4748% | 351 |
| Net loans and leases to core deposits | 116.8708% | 558 |
| Total domestic deposits to total assets | 87.6137% | 1,740 |
| Equity capital to assets | 11.9517% | 2,141 |
| Core capital (leverage) ratio | 11.8131% | 1,807 |
| Tier 1 risk-based capital ratio | 12.1573% | 4,990 |
| Total risk-based capital ratio | 13.3851% | 4,910 |
| Memoranda: | ||
| Average total assets | $137,158,500 | 3,802 |
| Average earning assets | $129,585,000 | 3,742 |
| Average equity | $15,923,250 | 3,722 |
| Average total loans | $128,155,500 | 2,935 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 218 |
| Cost of funding earning assets | 0.2534% | 4,899 |
| Net interest margin | 5.3756% | 149 |
| Noninterest income to average assets | 0.1899% | 5,545 |
| Noninterest expense to average assets | 2.8014% | 3,231 |
| Loan and lease loss provision to assets | 0.0652% | 2,814 |
| Net operating income to assets | 2.3956% | 196 |
| Return on assets (ROA) | 2.3956% | 205 |
| Pretax return on assets | 2.3956% | 289 |
| Return on Equity (ROE) | 20.8348% | 237 |
| Retained earnings to average equity (ytd only) | 3.1889% | 4,020 |
| Net charge-offs to loans | 0.0981% | 2,033 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 26.9524% | 1,464 |
| Efficiency ratio | 53.2360% | 5,632 |
| Assets per employee ($millions) | 4.9598% | 2,323 |
| Cash dividends to net income (ytd only)* | 84.6945% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,900 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 91.4512% | 34 |
| Net loans and leases to deposits | 103.8014% | 462 |
| Net loans and leases to core deposits | 116.4985% | 576 |
| Total domestic deposits to total assets | 88.1022% | 1,595 |
| Equity capital to assets | 11.5169% | 2,399 |
| Core capital (leverage) ratio | 11.4866% | 2,000 |
| Tier 1 risk-based capital ratio | 11.7521% | 5,308 |
| Total risk-based capital ratio | 12.9321% | 5,260 |
| Memoranda: | ||
| Average total assets | $138,003,000 | 3,825 |
| Average earning assets | $130,218,000 | 3,753 |
| Average equity | $15,867,670 | 3,744 |
| Average total loans | $128,470,000 | 2,939 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 197 |
| Cost of funding earning assets | 0.2552% | 4,963 |
| Net interest margin | 5.4239% | 131 |
| Noninterest income to average assets | 0.1919% | 5,560 |
| Noninterest expense to average assets | 2.8379% | 3,110 |
| Loan and lease loss provision to assets | 0.0640% | 2,650 |
| Net operating income to assets | 2.4192% | 175 |
| Return on assets (ROA) | 2.4192% | 186 |
| Pretax return on assets | 2.4192% | 271 |
| Return on Equity (ROE) | 21.0573% | 228 |
| Retained earnings to average equity (ytd only) | 3.2143% | 4,061 |
| Net charge-offs to loans | 0.0031% | 3,212 |
| Credit loss provision to net charge-offs | 2,200.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 854.0000% | 47 |
| Efficiency ratio | 53.3333% | 5,727 |
| Assets per employee ($millions) | 4.9280% | 2,450 |
| Cash dividends to net income (ytd only)* | 84.7356% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 3,415 |
| Loan loss allowance to noncurrent loans | 2,455.2239% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 5,745 |
| Noncurrent loans to loans | 0.0528% | 5,567 |
| Net loans and leases to total assets | 90.6894% | 45 |
| Net loans and leases to deposits | 102.8749% | 422 |
| Net loans and leases to core deposits | 117.6920% | 465 |
| Total domestic deposits to total assets | 88.1551% | 1,731 |
| Equity capital to assets | 11.5000% | 2,460 |
| Core capital (leverage) ratio | 11.5414% | 1,968 |
| Tier 1 risk-based capital ratio | 11.5752% | 5,507 |
| Total risk-based capital ratio | 12.7752% | 5,459 |
| Memoranda: | ||
| Average total assets | $137,567,500 | 3,845 |
| Average earning assets | $130,092,000 | 3,774 |
| Average equity | $15,804,500 | 3,777 |
| Average total loans | $128,401,000 | 2,939 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 241 |
| Cost of funding earning assets | 0.2650% | 5,162 |
| Net interest margin | 5.4083% | 157 |
| Noninterest income to average assets | 0.1751% | 5,809 |
| Noninterest expense to average assets | 2.7421% | 3,706 |
| Loan and lease loss provision to assets | 0.0654% | 3,196 |
| Net operating income to assets | 2.4855% | 147 |
| Return on assets (ROA) | 2.4855% | 151 |
| Pretax return on assets | 2.4855% | 193 |
| Return on Equity (ROE) | 22.1053% | 171 |
| Retained earnings to average equity (ytd only) | 3.4063% | 3,784 |
| Net charge-offs to loans | 0.0008% | 4,963 |
| Credit loss provision to net charge-offs | 9,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 3,510.0000% | 5 |
| Efficiency ratio | 51.8056% | 5,999 |
| Assets per employee ($millions) | 4.8983% | 2,458 |
| Cash dividends to net income (ytd only)* | 84.5906% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 3,726 |
| Loan loss allowance to noncurrent loans | 2,423.8806% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,835 |
| Noncurrent loans to loans | 0.0515% | 5,670 |
| Net loans and leases to total assets | 93.6166% | 10 |
| Net loans and leases to deposits | 106.1457% | 351 |
| Net loans and leases to core deposits | 122.6836% | 344 |
| Total domestic deposits to total assets | 88.1963% | 1,665 |
| Equity capital to assets | 11.4770% | 2,445 |
| Core capital (leverage) ratio | 11.3618% | 2,081 |
| Tier 1 risk-based capital ratio | 12.6909% | 4,922 |
| Total risk-based capital ratio | 13.9413% | 4,838 |
| Memoranda: | ||
| Average total assets | $137,596,400 | 3,848 |
| Average earning assets | $130,207,200 | 3,767 |
| Average equity | $15,471,400 | 3,751 |
| Average total loans | $126,822,600 | 2,929 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 273 |
| Cost of funding earning assets | 0.2689% | 5,219 |
| Net interest margin | 5.3337% | 171 |
| Noninterest income to average assets | 0.1733% | 5,882 |
| Noninterest expense to average assets | 2.7168% | 3,759 |
| Loan and lease loss provision to assets | 0.0649% | 3,054 |
| Net operating income to assets | 2.4428% | 159 |
| Return on assets (ROA) | 2.4428% | 158 |
| Pretax return on assets | 2.4428% | 237 |
| Return on Equity (ROE) | 21.8380% | 195 |
| Retained earnings to average equity (ytd only) | 3.3324% | 4,244 |
| Net charge-offs to loans | 0.0053% | 4,512 |
| Credit loss provision to net charge-offs | 1,340.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 517.7286% | 147 |
| Efficiency ratio | 52.0015% | 5,990 |
| Assets per employee ($millions) | 4.9429% | 2,312 |
| Cash dividends to net income (ytd only)* | 84.7404% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 3,872 |
| Loan loss allowance to noncurrent loans | 2,348.5294% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,959 |
| Noncurrent loans to loans | 0.0537% | 5,804 |
| Net loans and leases to total assets | 90.3447% | 49 |
| Net loans and leases to deposits | 102.2848% | 488 |
| Net loans and leases to core deposits | 119.2473% | 412 |
| Total domestic deposits to total assets | 88.3267% | 1,590 |
| Equity capital to assets | 11.2709% | 2,686 |
| Core capital (leverage) ratio | 11.0201% | 2,464 |
| Tier 1 risk-based capital ratio | 13.0254% | 4,853 |
| Total risk-based capital ratio | 14.2763% | 4,773 |
| Memoranda: | ||
| Average total assets | $137,707,500 | 3,870 |
| Average earning assets | $130,413,750 | 3,777 |
| Average equity | $15,404,000 | 3,786 |
| Average total loans | $126,023,000 | 2,955 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 271 |
| Cost of funding earning assets | 0.2641% | 5,342 |
| Net interest margin | 5.3148% | 166 |
| Noninterest income to average assets | 0.1760% | 5,893 |
| Noninterest expense to average assets | 2.7059% | 3,839 |
| Loan and lease loss provision to assets | 0.0655% | 2,960 |
| Net operating income to assets | 2.4397% | 154 |
| Return on assets (ROA) | 2.4397% | 160 |
| Pretax return on assets | 2.4397% | 232 |
| Return on Equity (ROE) | 21.8658% | 203 |
| Retained earnings to average equity (ytd only) | 3.3118% | 4,092 |
| Net charge-offs to loans | 0.0064% | 4,160 |
| Credit loss provision to net charge-offs | 1,125.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 430.5000% | 161 |
| Efficiency ratio | 51.9263% | 6,069 |
| Assets per employee ($millions) | 5.0841% | 2,107 |
| Cash dividends to net income (ytd only)* | 84.8539% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,086 |
| Loan loss allowance to noncurrent loans | 2,316.1765% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 6,052 |
| Noncurrent loans to loans | 0.0544% | 5,876 |
| Net loans and leases to total assets | 86.7071% | 142 |
| Net loans and leases to deposits | 97.6867% | 689 |
| Net loans and leases to core deposits | 114.6723% | 513 |
| Total domestic deposits to total assets | 88.7604% | 1,500 |
| Equity capital to assets | 10.8659% | 3,014 |
| Core capital (leverage) ratio | 11.1033% | 2,329 |
| Tier 1 risk-based capital ratio | 12.7576% | 5,063 |
| Total risk-based capital ratio | 14.0080% | 5,004 |
| Memoranda: | ||
| Average total assets | $137,476,330 | 3,896 |
| Average earning assets | $130,240,330 | 3,804 |
| Average equity | $15,339,000 | 3,794 |
| Average total loans | $125,819,000 | 2,950 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7293% | 210 |
| Cost of funding earning assets | 0.2667% | 5,422 |
| Net interest margin | 5.4626% | 135 |
| Noninterest income to average assets | 0.1777% | 5,900 |
| Noninterest expense to average assets | 2.7696% | 3,679 |
| Loan and lease loss provision to assets | 0.0652% | 2,823 |
| Net operating income to assets | 2.5000% | 145 |
| Return on assets (ROA) | 2.5000% | 152 |
| Pretax return on assets | 2.5000% | 221 |
| Return on Equity (ROE) | 22.1022% | 195 |
| Retained earnings to average equity (ytd only) | 3.1687% | 4,228 |
| Net charge-offs to loans | 0.0032% | 3,611 |
| Credit loss provision to net charge-offs | 2,200.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 866.0000% | 31 |
| Efficiency ratio | 51.9156% | 6,143 |
| Assets per employee ($millions) | 4.8438% | 2,451 |
| Cash dividends to net income (ytd only)* | 85.6635% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 4,442 |
| Loan loss allowance to noncurrent loans | 2,222.8571% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 6,121 |
| Noncurrent loans to loans | 0.0557% | 5,985 |
| Net loans and leases to total assets | 91.5304% | 25 |
| Net loans and leases to deposits | 103.6192% | 308 |
| Net loans and leases to core deposits | 118.8511% | 345 |
| Total domestic deposits to total assets | 88.3334% | 2,035 |
| Equity capital to assets | 11.3067% | 2,412 |
| Core capital (leverage) ratio | 11.3894% | 2,060 |
| Tier 1 risk-based capital ratio | 12.0077% | 5,641 |
| Total risk-based capital ratio | 13.2261% | 5,592 |
| Memoranda: | ||
| Average total assets | $135,037,500 | 3,977 |
| Average earning assets | $127,484,500 | 3,900 |
| Average equity | $15,274,500 | 3,815 |
| Average total loans | $126,225,500 | 2,940 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 260 |
| Cost of funding earning assets | 0.2962% | 5,631 |
| Net interest margin | 5.4339% | 149 |
| Noninterest income to average assets | 0.1944% | 5,924 |
| Noninterest expense to average assets | 2.7177% | 4,035 |
| Loan and lease loss provision to assets | 0.0686% | 3,761 |
| Net operating income to assets | 2.4707% | 176 |
| Return on assets (ROA) | 2.4440% | 185 |
| Pretax return on assets | 2.4440% | 216 |
| Return on Equity (ROE) | 21.3793% | 215 |
| Retained earnings to average equity (ytd only) | 3.2409% | 3,925 |
| Net charge-offs to loans | 0.0209% | 5,015 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 138.7917% | 332 |
| Efficiency ratio | 51.6966% | 6,315 |
| Assets per employee ($millions) | 4.8017% | 2,441 |
| Cash dividends to net income (ytd only)* | 84.8409% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 4,605 |
| Loan loss allowance to noncurrent loans | 930.3030% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 5,959 |
| Noncurrent loans to loans | 0.1302% | 5,814 |
| Net loans and leases to total assets | 93.1364% | 9 |
| Net loans and leases to deposits | 105.4298% | 283 |
| Net loans and leases to core deposits | 118.7505% | 354 |
| Total domestic deposits to total assets | 88.3397% | 1,985 |
| Equity capital to assets | 11.3159% | 2,323 |
| Core capital (leverage) ratio | 11.6990% | 1,826 |
| Tier 1 risk-based capital ratio | 12.6799% | 5,185 |
| Total risk-based capital ratio | 13.9301% | 5,134 |
| Memoranda: | ||
| Average total assets | $131,176,600 | 4,047 |
| Average earning assets | $122,214,200 | 4,010 |
| Average equity | $14,995,800 | 3,877 |
| Average total loans | $114,723,600 | 3,157 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6636% | 291 |
| Cost of funding earning assets | 0.3011% | 5,726 |
| Net interest margin | 5.3625% | 176 |
| Noninterest income to average assets | 0.1851% | 6,086 |
| Noninterest expense to average assets | 2.7247% | 3,926 |
| Loan and lease loss provision to assets | 0.0685% | 3,685 |
| Net operating income to assets | 2.3821% | 197 |
| Return on assets (ROA) | 2.3852% | 208 |
| Pretax return on assets | 2.3852% | 280 |
| Return on Equity (ROE) | 20.8099% | 253 |
| Retained earnings to average equity (ytd only) | 3.4535% | 4,232 |
| Net charge-offs to loans | 0.0263% | 4,600 |
| Credit loss provision to net charge-offs | 304.5455% | 832 |
| Earnings coverage of net charge-offs (x) | 108.9189% | 467 |
| Efficiency ratio | 52.6482% | 6,213 |
| Assets per employee ($millions) | 4.9253% | 2,267 |
| Cash dividends to net income (ytd only)* | 83.4047% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,532 |
| Loan loss allowance to noncurrent loans | 2,073.9726% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,278 |
| Noncurrent loans to loans | 0.0613% | 6,156 |
| Net loans and leases to total assets | 91.7787% | 19 |
| Net loans and leases to deposits | 104.5939% | 274 |
| Net loans and leases to core deposits | 118.0876% | 351 |
| Total domestic deposits to total assets | 87.7476% | 2,276 |
| Equity capital to assets | 11.8033% | 2,043 |
| Core capital (leverage) ratio | 11.6947% | 1,890 |
| Tier 1 risk-based capital ratio | 13.3558% | 4,869 |
| Total risk-based capital ratio | 14.6070% | 4,799 |
| Memoranda: | ||
| Average total assets | $130,358,750 | 4,103 |
| Average earning assets | $121,309,500 | 4,067 |
| Average equity | $14,941,250 | 3,928 |
| Average total loans | $111,715,750 | 3,234 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 334 |
| Cost of funding earning assets | 0.3081% | 5,764 |
| Net interest margin | 5.2714% | 194 |
| Noninterest income to average assets | 0.1846% | 6,101 |
| Noninterest expense to average assets | 2.6372% | 4,258 |
| Loan and lease loss provision to assets | 0.0686% | 3,670 |
| Net operating income to assets | 2.3062% | 216 |
| Return on assets (ROA) | 2.2528% | 250 |
| Pretax return on assets | 2.2528% | 379 |
| Return on Equity (ROE) | 19.8477% | 311 |
| Retained earnings to average equity (ytd only) | 2.9160% | 4,456 |
| Net charge-offs to loans | 0.0037% | 4,846 |
| Credit loss provision to net charge-offs | 2,250.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 778.5000% | 47 |
| Efficiency ratio | 52.6172% | 6,249 |
| Assets per employee ($millions) | 4.7093% | 2,495 |
| Cash dividends to net income (ytd only)* | 85.3081% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,365 |
| Loan loss allowance to noncurrent loans | 50,400.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,578 |
| Noncurrent loans to loans | 0.0026% | 6,453 |
| Net loans and leases to total assets | 88.2784% | 81 |
| Net loans and leases to deposits | 100.5014% | 396 |
| Net loans and leases to core deposits | 113.8894% | 437 |
| Total domestic deposits to total assets | 87.8380% | 2,364 |
| Equity capital to assets | 11.7538% | 2,085 |
| Core capital (leverage) ratio | 11.6082% | 1,854 |
| Tier 1 risk-based capital ratio | 13.3636% | 4,869 |
| Total risk-based capital ratio | 14.6145% | 4,815 |
| Memoranda: | ||
| Average total assets | $131,126,000 | 4,118 |
| Average earning assets | $120,082,330 | 4,120 |
| Average equity | $14,883,330 | 3,967 |
| Average total loans | $109,273,330 | 3,290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 469 |
| Cost of funding earning assets | 0.3150% | 5,844 |
| Net interest margin | 5.0236% | 289 |
| Noninterest income to average assets | 0.1803% | 6,186 |
| Noninterest expense to average assets | 2.5602% | 4,528 |
| Loan and lease loss provision to assets | 0.0661% | 3,532 |
| Net operating income to assets | 2.1065% | 287 |
| Return on assets (ROA) | 2.1065% | 314 |
| Pretax return on assets | 2.1065% | 485 |
| Return on Equity (ROE) | 18.8790% | 365 |
| Retained earnings to average equity (ytd only) | 5.1439% | 3,147 |
| Net charge-offs to loans | 0.0037% | 4,092 |
| Credit loss provision to net charge-offs | 2,200.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 723.0000% | 39 |
| Efficiency ratio | 54.0952% | 6,221 |
| Assets per employee ($millions) | 5.0236% | 2,183 |
| Cash dividends to net income (ytd only)* | 72.7532% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 6,419 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 81.9069% | 284 |
| Net loans and leases to deposits | 92.8227% | 735 |
| Net loans and leases to core deposits | 103.8096% | 726 |
| Total domestic deposits to total assets | 88.2401% | 2,168 |
| Equity capital to assets | 11.4437% | 2,465 |
| Core capital (leverage) ratio | 11.5985% | 1,817 |
| Tier 1 risk-based capital ratio | 13.9860% | 4,513 |
| Total risk-based capital ratio | 15.2375% | 4,476 |
| Memoranda: | ||
| Average total assets | $133,114,000 | 4,120 |
| Average earning assets | $120,630,000 | 4,140 |
| Average equity | $14,852,500 | 4,024 |
| Average total loans | $107,031,000 | 3,358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 776 |
| Cost of funding earning assets | 0.3974% | 5,939 |
| Net interest margin | 4.9900% | 392 |
| Noninterest income to average assets | 0.1886% | 6,057 |
| Noninterest expense to average assets | 2.6402% | 4,600 |
| Loan and lease loss provision to assets | 0.1079% | 4,285 |
| Net operating income to assets | 2.0624% | 321 |
| Return on assets (ROA) | 2.0624% | 352 |
| Pretax return on assets | 2.0624% | 531 |
| Return on Equity (ROE) | 18.7829% | 374 |
| Retained earnings to average equity (ytd only) | 2.8099% | 4,262 |
| Net charge-offs to loans | 0.0244% | 5,559 |
| Credit loss provision to net charge-offs | 550.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 110.6538% | 348 |
| Efficiency ratio | 54.8847% | 6,191 |
| Assets per employee ($millions) | 4.8434% | 2,428 |
| Cash dividends to net income (ytd only)* | 85.0402% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 6,475 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.7776% | 823 |
| Net loans and leases to deposits | 86.4313% | 1,456 |
| Net loans and leases to core deposits | 94.8901% | 1,395 |
| Total domestic deposits to total assets | 88.8309% | 1,687 |
| Equity capital to assets | 10.8823% | 3,085 |
| Core capital (leverage) ratio | 11.6214% | 1,790 |
| Tier 1 risk-based capital ratio | 11.9784% | 5,805 |
| Total risk-based capital ratio | 13.1731% | 5,791 |
| Memoranda: | ||
| Average total assets | $132,565,200 | 4,094 |
| Average earning assets | $122,786,400 | 4,042 |
| Average equity | $14,555,800 | 4,051 |
| Average total loans | $106,637,200 | 3,362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 859 |
| Cost of funding earning assets | 0.4073% | 6,078 |
| Net interest margin | 4.9784% | 419 |
| Noninterest income to average assets | 0.1871% | 6,177 |
| Noninterest expense to average assets | 2.6554% | 4,536 |
| Loan and lease loss provision to assets | 0.1214% | 4,038 |
| Net operating income to assets | 2.0970% | 331 |
| Return on assets (ROA) | 2.0970% | 371 |
| Pretax return on assets | 2.0970% | 578 |
| Return on Equity (ROE) | 19.0547% | 390 |
| Retained earnings to average equity (ytd only) | 3.2907% | 4,556 |
| Net charge-offs to loans | 0.0299% | 5,235 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 91.3728% | 461 |
| Efficiency ratio | 54.4832% | 6,205 |
| Assets per employee ($millions) | 4.7346% | 2,552 |
| Cash dividends to net income (ytd only)* | 82.7304% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 6,592 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.7097% | 650 |
| Net loans and leases to deposits | 89.3293% | 1,223 |
| Net loans and leases to core deposits | 100.6120% | 1,080 |
| Total domestic deposits to total assets | 88.1118% | 1,977 |
| Equity capital to assets | 11.5095% | 2,731 |
| Core capital (leverage) ratio | 11.5170% | 1,976 |
| Tier 1 risk-based capital ratio | 14.4825% | 4,193 |
| Total risk-based capital ratio | 15.7347% | 4,164 |
| Memoranda: | ||
| Average total assets | $131,802,750 | 4,138 |
| Average earning assets | $124,080,750 | 4,061 |
| Average equity | $14,505,250 | 4,105 |
| Average total loans | $106,898,750 | 3,396 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 813 |
| Cost of funding earning assets | 0.4273% | 6,118 |
| Net interest margin | 5.0122% | 393 |
| Noninterest income to average assets | 0.1893% | 6,207 |
| Noninterest expense to average assets | 2.6171% | 4,720 |
| Loan and lease loss provision to assets | 0.1352% | 3,836 |
| Net operating income to assets | 2.1423% | 307 |
| Return on assets (ROA) | 2.1423% | 349 |
| Pretax return on assets | 2.1423% | 534 |
| Return on Equity (ROE) | 19.7562% | 371 |
| Retained earnings to average equity (ytd only) | 3.1311% | 4,544 |
| Net charge-offs to loans | 0.0405% | 4,809 |
| Credit loss provision to net charge-offs | 409.0909% | 720 |
| Earnings coverage of net charge-offs (x) | 68.9091% | 571 |
| Efficiency ratio | 53.4684% | 6,373 |
| Assets per employee ($millions) | 4.8791% | 2,318 |
| Cash dividends to net income (ytd only)* | 84.1515% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 5,256 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 79.8901% | 523 |
| Net loans and leases to deposits | 90.1532% | 1,130 |
| Net loans and leases to core deposits | 101.8868% | 983 |
| Total domestic deposits to total assets | 88.6159% | 1,751 |
| Equity capital to assets | 11.0304% | 3,081 |
| Core capital (leverage) ratio | 11.0006% | 2,290 |
| Tier 1 risk-based capital ratio | 13.5832% | 4,761 |
| Total risk-based capital ratio | 14.8346% | 4,725 |
| Memoranda: | ||
| Average total assets | $133,126,000 | 4,140 |
| Average earning assets | $124,975,330 | 4,050 |
| Average equity | $14,436,000 | 4,104 |
| Average total loans | $108,510,000 | 3,368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 1,067 |
| Cost of funding earning assets | 0.4421% | 6,197 |
| Net interest margin | 4.8729% | 489 |
| Noninterest income to average assets | 0.1913% | 6,238 |
| Noninterest expense to average assets | 2.6423% | 4,657 |
| Loan and lease loss provision to assets | 0.1345% | 3,668 |
| Net operating income to assets | 2.0595% | 375 |
| Return on assets (ROA) | 2.0595% | 433 |
| Pretax return on assets | 2.0595% | 675 |
| Return on Equity (ROE) | 19.1542% | 442 |
| Retained earnings to average equity (ytd only) | 3.8642% | 4,272 |
| Net charge-offs to loans | 0.1608% | 3,128 |
| Credit loss provision to net charge-offs | 102.2727% | 2,249 |
| Earnings coverage of net charge-offs (x) | 16.6818% | 1,343 |
| Efficiency ratio | 54.6354% | 6,276 |
| Assets per employee ($millions) | 5.1716% | 2,029 |
| Cash dividends to net income (ytd only)* | 79.8258% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,533 |
| Loan loss allowance to noncurrent loans | 568.4874% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 5,301 |
| Noncurrent loans to loans | 0.2094% | 6,267 |
| Net loans and leases to total assets | 83.5039% | 196 |
| Net loans and leases to deposits | 93.9079% | 676 |
| Net loans and leases to core deposits | 105.7907% | 681 |
| Total domestic deposits to total assets | 88.9210% | 1,748 |
| Equity capital to assets | 10.7525% | 3,206 |
| Core capital (leverage) ratio | 10.8535% | 2,383 |
| Tier 1 risk-based capital ratio | 11.6972% | 6,157 |
| Total risk-based capital ratio | 12.7919% | 6,232 |
| Memoranda: | ||
| Average total assets | $133,821,000 | 4,146 |
| Average earning assets | $127,562,000 | 4,027 |
| Average equity | $14,388,500 | 4,115 |
| Average total loans | $109,433,000 | 3,363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 1,785 |
| Cost of funding earning assets | 0.7216% | 5,396 |
| Net interest margin | 4.5546% | 1,017 |
| Noninterest income to average assets | 0.1958% | 6,101 |
| Noninterest expense to average assets | 2.5618% | 5,243 |
| Loan and lease loss provision to assets | 0.1320% | 4,962 |
| Net operating income to assets | 1.8211% | 442 |
| Return on assets (ROA) | 1.8211% | 476 |
| Pretax return on assets | 1.8211% | 775 |
| Return on Equity (ROE) | 17.6037% | 417 |
| Retained earnings to average equity (ytd only) | 2.8217% | 4,233 |
| Net charge-offs to loans | 0.2763% | 4,041 |
| Credit loss provision to net charge-offs | 59.0164% | 5,192 |
| Earnings coverage of net charge-offs (x) | 8.7311% | 2,106 |
| Efficiency ratio | 56.7414% | 6,222 |
| Assets per employee ($millions) | 4.9326% | 2,303 |
| Cash dividends to net income (ytd only)* | 83.9710% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 4,998 |
| Loan loss allowance to noncurrent loans | 263.5478% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 4,929 |
| Noncurrent loans to loans | 0.4875% | 5,736 |
| Net loans and leases to total assets | 77.9997% | 710 |
| Net loans and leases to deposits | 87.6913% | 1,427 |
| Net loans and leases to core deposits | 98.3628% | 1,304 |
| Total domestic deposits to total assets | 88.9480% | 1,570 |
| Equity capital to assets | 10.7516% | 3,245 |
| Core capital (leverage) ratio | 10.3729% | 2,876 |
| Tier 1 risk-based capital ratio | 13.6253% | 4,608 |
| Total risk-based capital ratio | 14.8757% | 4,568 |
| Memoranda: | ||
| Average total assets | $136,348,000 | 4,043 |
| Average earning assets | $129,297,000 | 3,950 |
| Average equity | $14,105,000 | 4,088 |
| Average total loans | $110,383,000 | 3,368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 1,807 |
| Cost of funding earning assets | 0.7850% | 5,249 |
| Net interest margin | 4.5275% | 1,086 |
| Noninterest income to average assets | 0.1954% | 6,197 |
| Noninterest expense to average assets | 2.5910% | 5,115 |
| Loan and lease loss provision to assets | 0.1313% | 4,788 |
| Net operating income to assets | 1.7626% | 553 |
| Return on assets (ROA) | 1.7626% | 607 |
| Pretax return on assets | 1.7626% | 1,022 |
| Return on Equity (ROE) | 17.2029% | 546 |
| Retained earnings to average equity (ytd only) | 2.2583% | 4,997 |
| Net charge-offs to loans | 0.0967% | 5,014 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 24.0488% | 1,095 |
| Efficiency ratio | 57.7715% | 6,049 |
| Assets per employee ($millions) | 4.7107% | 2,608 |
| Cash dividends to net income (ytd only)* | 86.8728% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 4,285 |
| Loan loss allowance to noncurrent loans | 114.7676% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 4,552 |
| Noncurrent loans to loans | 1.2728% | 4,403 |
| Net loans and leases to total assets | 78.2980% | 683 |
| Net loans and leases to deposits | 88.0562% | 1,428 |
| Net loans and leases to core deposits | 99.9555% | 1,248 |
| Total domestic deposits to total assets | 88.9181% | 1,473 |
| Equity capital to assets | 10.7346% | 3,434 |
| Core capital (leverage) ratio | 10.4960% | 2,875 |
| Tier 1 risk-based capital ratio | 13.5149% | 4,726 |
| Total risk-based capital ratio | 14.7739% | 4,687 |
| Memoranda: | ||
| Average total assets | $137,140,000 | 4,056 |
| Average earning assets | $129,927,750 | 3,958 |
| Average equity | $14,051,500 | 4,112 |
| Average total loans | $111,670,750 | 3,374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 1,829 |
| Cost of funding earning assets | 0.8376% | 5,138 |
| Net interest margin | 4.4804% | 1,180 |
| Noninterest income to average assets | 0.1886% | 6,317 |
| Noninterest expense to average assets | 2.5373% | 5,405 |
| Loan and lease loss provision to assets | 0.1296% | 4,669 |
| Net operating income to assets | 1.8043% | 500 |
| Return on assets (ROA) | 1.8043% | 536 |
| Pretax return on assets | 1.8043% | 877 |
| Return on Equity (ROE) | 17.8800% | 470 |
| Retained earnings to average equity (ytd only) | 2.6827% | 4,586 |
| Net charge-offs to loans | 0.1035% | 4,650 |
| Credit loss provision to net charge-offs | 152.5424% | 2,003 |
| Earnings coverage of net charge-offs (x) | 22.7627% | 1,111 |
| Efficiency ratio | 56.7472% | 6,327 |
| Assets per employee ($millions) | 5.0077% | 2,112 |
| Cash dividends to net income (ytd only)* | 84.9960% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,615 |
| Loan loss allowance to noncurrent loans | 82.0904% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 4,090 |
| Noncurrent loans to loans | 1.6953% | 3,891 |
| Net loans and leases to total assets | 79.0286% | 647 |
| Net loans and leases to deposits | 88.5571% | 1,420 |
| Net loans and leases to core deposits | 103.9740% | 1,044 |
| Total domestic deposits to total assets | 89.2403% | 1,390 |
| Equity capital to assets | 10.4350% | 3,597 |
| Core capital (leverage) ratio | 9.9859% | 3,280 |
| Tier 1 risk-based capital ratio | 13.4121% | 4,599 |
| Total risk-based capital ratio | 14.6641% | 4,587 |
| Memoranda: | ||
| Average total assets | $138,886,670 | 4,045 |
| Average earning assets | $132,755,330 | 3,929 |
| Average equity | $14,015,670 | 4,119 |
| Average total loans | $113,959,000 | 3,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 1,794 |
| Cost of funding earning assets | 0.8727% | 5,109 |
| Net interest margin | 4.4528% | 1,168 |
| Noninterest income to average assets | 0.1961% | 6,321 |
| Noninterest expense to average assets | 2.5525% | 5,379 |
| Loan and lease loss provision to assets | 0.1279% | 4,394 |
| Net operating income to assets | 1.7793% | 509 |
| Return on assets (ROA) | 1.7793% | 539 |
| Pretax return on assets | 1.7793% | 853 |
| Return on Equity (ROE) | 17.9254% | 490 |
| Retained earnings to average equity (ytd only) | 2.7489% | 4,518 |
| Net charge-offs to loans | 0.0034% | 5,083 |
| Credit loss provision to net charge-offs | 4,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 671.0000% | 30 |
| Efficiency ratio | 57.2339% | 6,355 |
| Assets per employee ($millions) | 5.3213% | 1,749 |
| Cash dividends to net income (ytd only)* | 84.6645% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,998 |
| Loan loss allowance to noncurrent loans | 608.4000% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 6,723 |
| Noncurrent loans to loans | 0.2183% | 6,538 |
| Net loans and leases to total assets | 78.6538% | 662 |
| Net loans and leases to deposits | 87.4625% | 1,522 |
| Net loans and leases to core deposits | 104.7798% | 1,015 |
| Total domestic deposits to total assets | 89.9286% | 1,188 |
| Equity capital to assets | 9.7561% | 4,098 |
| Core capital (leverage) ratio | 9.9082% | 3,260 |
| Tier 1 risk-based capital ratio | 12.3020% | 5,435 |
| Total risk-based capital ratio | 13.5526% | 5,426 |
| Memoranda: | ||
| Average total assets | $140,726,000 | 4,054 |
| Average earning assets | $134,747,500 | 3,919 |
| Average equity | $13,969,000 | 4,115 |
| Average total loans | $116,758,000 | 3,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 2,265 |
| Cost of funding earning assets | 1.1249% | 4,998 |
| Net interest margin | 4.3797% | 1,559 |
| Noninterest income to average assets | 0.1963% | 6,371 |
| Noninterest expense to average assets | 2.5393% | 5,649 |
| Loan and lease loss provision to assets | 0.0529% | 6,624 |
| Net operating income to assets | 1.8037% | 415 |
| Return on assets (ROA) | 1.8037% | 448 |
| Pretax return on assets | 1.8037% | 755 |
| Return on Equity (ROE) | 18.6070% | 332 |
| Retained earnings to average equity (ytd only) | 2.8402% | 3,862 |
| Net charge-offs to loans | 0.1129% | 5,753 |
| Credit loss provision to net charge-offs | 54.3478% | 6,189 |
| Earnings coverage of net charge-offs (x) | 19.0580% | 1,082 |
| Efficiency ratio | 57.7646% | 6,367 |
| Assets per employee ($millions) | 5.2992% | 1,756 |
| Cash dividends to net income (ytd only)* | 84.7358% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 5,320 |
| Loan loss allowance to noncurrent loans | 398.1132% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 6,576 |
| Noncurrent loans to loans | 0.3118% | 6,433 |
| Net loans and leases to total assets | 85.2916% | 220 |
| Net loans and leases to deposits | 95.2085% | 930 |
| Net loans and leases to core deposits | 117.1942% | 601 |
| Total domestic deposits to total assets | 89.5840% | 1,341 |
| Equity capital to assets | 10.1039% | 3,611 |
| Core capital (leverage) ratio | 9.7192% | 3,413 |
| Tier 1 risk-based capital ratio | 11.6249% | 5,797 |
| Total risk-based capital ratio | 12.8582% | 5,825 |
| Memoranda: | ||
| Average total assets | $141,651,200 | 4,027 |
| Average earning assets | $135,831,800 | 3,898 |
| Average equity | $13,731,400 | 4,206 |
| Average total loans | $122,265,400 | 3,272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 2,354 |
| Cost of funding earning assets | 1.1455% | 5,174 |
| Net interest margin | 4.3745% | 1,603 |
| Noninterest income to average assets | 0.1842% | 6,563 |
| Noninterest expense to average assets | 2.5503% | 5,519 |
| Loan and lease loss provision to assets | 0.0280% | 6,792 |
| Net operating income to assets | 1.8006% | 502 |
| Return on assets (ROA) | 1.8006% | 548 |
| Pretax return on assets | 1.8006% | 925 |
| Return on Equity (ROE) | 18.7660% | 408 |
| Retained earnings to average equity (ytd only) | 2.8841% | 4,406 |
| Net charge-offs to loans | 0.1484% | 5,121 |
| Credit loss provision to net charge-offs | 21.8978% | 6,231 |
| Earnings coverage of net charge-offs (x) | 14.2775% | 1,528 |
| Efficiency ratio | 58.2408% | 6,233 |
| Assets per employee ($millions) | 5.4541% | 1,669 |
| Cash dividends to net income (ytd only)* | 84.6313% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,355 |
| Loan loss allowance to noncurrent loans | 385.2151% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 6,713 |
| Noncurrent loans to loans | 0.3187% | 6,557 |
| Net loans and leases to total assets | 81.2915% | 585 |
| Net loans and leases to deposits | 90.4304% | 1,663 |
| Net loans and leases to core deposits | 112.6236% | 903 |
| Total domestic deposits to total assets | 89.8940% | 931 |
| Equity capital to assets | 9.7506% | 4,472 |
| Core capital (leverage) ratio | 9.5777% | 3,798 |
| Tier 1 risk-based capital ratio | 12.1220% | 5,343 |
| Total risk-based capital ratio | 13.3783% | 5,300 |
| Memoranda: | ||
| Average total assets | $142,619,500 | 4,065 |
| Average earning assets | $136,760,250 | 3,922 |
| Average equity | $13,684,000 | 4,277 |
| Average total loans | $123,084,250 | 3,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 2,298 |
| Cost of funding earning assets | 1.1611% | 5,338 |
| Net interest margin | 4.3969% | 1,453 |
| Noninterest income to average assets | 0.1764% | 6,642 |
| Noninterest expense to average assets | 2.5978% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8028% | 484 |
| Return on assets (ROA) | 1.8028% | 524 |
| Pretax return on assets | 1.8028% | 882 |
| Return on Equity (ROE) | 18.8907% | 395 |
| Retained earnings to average equity (ytd only) | 3.0507% | 4,161 |
| Net charge-offs to loans | 0.0367% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 546 |
| Efficiency ratio | 59.0331% | 6,214 |
| Assets per employee ($millions) | 5.3390% | 1,770 |
| Cash dividends to net income (ytd only)* | 83.8509% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,129 |
| Loan loss allowance to noncurrent loans | 312.1399% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 6,580 |
| Noncurrent loans to loans | 0.4038% | 6,436 |
| Net loans and leases to total assets | 82.4324% | 493 |
| Net loans and leases to deposits | 91.4554% | 1,622 |
| Net loans and leases to core deposits | 115.7525% | 856 |
| Total domestic deposits to total assets | 90.1340% | 848 |
| Equity capital to assets | 9.5309% | 4,660 |
| Core capital (leverage) ratio | 9.5838% | 3,696 |
| Tier 1 risk-based capital ratio | 11.7794% | 5,515 |
| Total risk-based capital ratio | 12.9934% | 5,509 |
| Memoranda: | ||
| Average total assets | $142,890,330 | 4,073 |
| Average earning assets | $137,279,670 | 3,948 |
| Average equity | $13,636,330 | 4,284 |
| Average total loans | $125,209,000 | 3,301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6081% | 2,116 |
| Cost of funding earning assets | 1.1879% | 5,471 |
| Net interest margin | 4.4202% | 1,333 |
| Noninterest income to average assets | 0.1743% | 6,720 |
| Noninterest expense to average assets | 2.5896% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8220% | 474 |
| Return on assets (ROA) | 1.8220% | 523 |
| Pretax return on assets | 1.8220% | 848 |
| Return on Equity (ROE) | 19.0799% | 431 |
| Retained earnings to average equity (ytd only) | 3.1800% | 4,234 |
| Net charge-offs to loans | 0.0188% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 302 |
| Efficiency ratio | 58.6998% | 6,379 |
| Assets per employee ($millions) | 5.3970% | 1,766 |
| Cash dividends to net income (ytd only)* | 83.3333% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 5,403 |
| Loan loss allowance to noncurrent loans | 87.9587% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 4,630 |
| Noncurrent loans to loans | 1.3854% | 4,658 |
| Net loans and leases to total assets | 85.3347% | 265 |
| Net loans and leases to deposits | 94.5123% | 1,292 |
| Net loans and leases to core deposits | 131.7651% | 443 |
| Total domestic deposits to total assets | 90.2895% | 838 |
| Equity capital to assets | 9.3599% | 4,740 |
| Core capital (leverage) ratio | 9.5844% | 3,662 |
| Tier 1 risk-based capital ratio | 10.0850% | 6,971 |
| Total risk-based capital ratio | 11.2192% | 7,038 |
| Memoranda: | ||
| Average total assets | $142,259,500 | 4,152 |
| Average earning assets | $136,373,000 | 4,029 |
| Average equity | $13,585,000 | 4,332 |
| Average total loans | $127,641,000 | 3,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1244% | 1,450 |
| Cost of funding earning assets | 1.4644% | 5,664 |
| Net interest margin | 4.6600% | 888 |
| Noninterest income to average assets | 0.1944% | 6,710 |
| Noninterest expense to average assets | 2.7155% | 5,319 |
| Loan and lease loss provision to assets | 0.1244% | 6,393 |
| Net operating income to assets | 1.7855% | 366 |
| Return on assets (ROA) | 1.7855% | 388 |
| Pretax return on assets | 1.7855% | 655 |
| Return on Equity (ROE) | 18.6836% | 321 |
| Retained earnings to average equity (ytd only) | 2.6028% | 3,319 |
| Net charge-offs to loans | 0.0075% | 7,128 |
| Credit loss provision to net charge-offs | 1,740.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 267.2000% | 107 |
| Efficiency ratio | 58.7081% | 6,664 |
| Assets per employee ($millions) | 5.1408% | 2,032 |
| Cash dividends to net income (ytd only)* | 86.0689% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 5,422 |
| Loan loss allowance to noncurrent loans | 80.4178% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3797% | 4,354 |
| Noncurrent loans to loans | 1.4799% | 4,450 |
| Net loans and leases to total assets | 92.1175% | 35 |
| Net loans and leases to deposits | 102.4626% | 725 |
| Net loans and leases to core deposits | 183.4328% | 147 |
| Total domestic deposits to total assets | 89.9035% | 1,012 |
| Equity capital to assets | 9.7485% | 4,071 |
| Core capital (leverage) ratio | 9.7499% | 3,387 |
| Tier 1 risk-based capital ratio | 10.7436% | 6,159 |
| Total risk-based capital ratio | 11.9663% | 6,168 |
| Memoranda: | ||
| Average total assets | $139,903,000 | 4,127 |
| Average earning assets | $133,025,200 | 4,030 |
| Average equity | $13,370,000 | 4,412 |
| Average total loans | $133,581,200 | 3,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1343% | 1,545 |
| Cost of funding earning assets | 1.5148% | 5,763 |
| Net interest margin | 4.6195% | 957 |
| Noninterest income to average assets | 0.1940% | 6,828 |
| Noninterest expense to average assets | 2.6261% | 5,615 |
| Loan and lease loss provision to assets | 0.1655% | 5,701 |
| Net operating income to assets | 1.7910% | 455 |
| Return on assets (ROA) | 1.7910% | 482 |
| Pretax return on assets | 1.7910% | 814 |
| Return on Equity (ROE) | 18.8346% | 373 |
| Retained earnings to average equity (ytd only) | 3.2308% | 3,510 |
| Net charge-offs to loans | 0.0089% | 6,830 |
| Credit loss provision to net charge-offs | 1,933.3333% | 200 |
| Earnings coverage of net charge-offs (x) | 228.5500% | 171 |
| Efficiency ratio | 57.3059% | 6,825 |
| Assets per employee ($millions) | 4.7764% | 2,432 |
| Cash dividends to net income (ytd only)* | 82.8467% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 95.5615% | 10 |
| Net loans and leases to deposits | 107.8013% | 568 |
| Net loans and leases to core deposits | 189.5371% | 137 |
| Total domestic deposits to total assets | 88.6460% | 1,366 |
| Equity capital to assets | 9.7506% | 4,423 |
| Core capital (leverage) ratio | 9.7418% | 3,584 |
| Tier 1 risk-based capital ratio | 10.6290% | 6,315 |
| Total risk-based capital ratio | 11.8418% | 6,327 |
| Memoranda: | ||
| Average total assets | $140,178,500 | 4,131 |
| Average earning assets | $133,171,000 | 4,051 |
| Average equity | $13,329,750 | 4,451 |
| Average total loans | $134,626,500 | 3,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0480% | 1,990 |
| Cost of funding earning assets | 1.5753% | 5,822 |
| Net interest margin | 4.4727% | 1,239 |
| Noninterest income to average assets | 0.1620% | 7,117 |
| Noninterest expense to average assets | 2.4529% | 6,287 |
| Loan and lease loss provision to assets | 0.2473% | 4,604 |
| Net operating income to assets | 1.7025% | 564 |
| Return on assets (ROA) | 1.7025% | 614 |
| Pretax return on assets | 1.7025% | 1,012 |
| Return on Equity (ROE) | 18.0544% | 491 |
| Retained earnings to average equity (ytd only) | 2.8332% | 3,746 |
| Net charge-offs to loans | 0.0089% | 6,446 |
| Credit loss provision to net charge-offs | 2,900.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 228.6667% | 182 |
| Efficiency ratio | 55.7134% | 7,144 |
| Assets per employee ($millions) | 4.7716% | 2,363 |
| Cash dividends to net income (ytd only)* | 84.3072% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,178 |
| Loan loss allowance to noncurrent loans | 3,027.4510% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 6,875 |
| Noncurrent loans to loans | 0.0384% | 7,444 |
| Net loans and leases to total assets | 94.7997% | 20 |
| Net loans and leases to deposits | 116.2541% | 321 |
| Net loans and leases to core deposits | 208.3512% | 96 |
| Total domestic deposits to total assets | 81.5452% | 4,882 |
| Equity capital to assets | 9.6635% | 4,407 |
| Core capital (leverage) ratio | 9.7276% | 3,602 |
| Tier 1 risk-based capital ratio | 10.5987% | 6,297 |
| Total risk-based capital ratio | 11.8225% | 6,259 |
| Memoranda: | ||
| Average total assets | $140,733,000 | 4,160 |
| Average earning assets | $133,432,000 | 4,077 |
| Average equity | $13,271,000 | 4,472 |
| Average total loans | $134,866,000 | 3,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 2,351 |
| Cost of funding earning assets | 1.6649% | 5,761 |
| Net interest margin | 4.3375% | 1,493 |
| Noninterest income to average assets | 0.1494% | 7,233 |
| Noninterest expense to average assets | 2.3677% | 6,307 |
| Loan and lease loss provision to assets | 0.2452% | 4,017 |
| Net operating income to assets | 1.6489% | 718 |
| Return on assets (ROA) | 1.6489% | 788 |
| Pretax return on assets | 1.6489% | 1,293 |
| Return on Equity (ROE) | 17.6998% | 612 |
| Retained earnings to average equity (ytd only) | 2.2692% | 4,616 |
| Net charge-offs to loans | 0.0088% | 5,533 |
| Credit loss provision to net charge-offs | 2,900.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 192 |
| Efficiency ratio | 55.5556% | 7,025 |
| Assets per employee ($millions) | 5.0109% | 2,063 |
| Cash dividends to net income (ytd only)* | 87.1795% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 5,566 |
| Loan loss allowance to noncurrent loans | 672.8111% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 6,433 |
| Noncurrent loans to loans | 0.1615% | 7,069 |
| Net loans and leases to total assets | 94.7543% | 17 |
| Net loans and leases to deposits | 115.8702% | 390 |
| Net loans and leases to core deposits | 200.5461% | 140 |
| Total domestic deposits to total assets | 81.7763% | 4,641 |
| Equity capital to assets | 9.4493% | 4,745 |
| Core capital (leverage) ratio | 9.3510% | 4,173 |
| Tier 1 risk-based capital ratio | 10.4067% | 6,489 |
| Total risk-based capital ratio | 11.5527% | 6,521 |
| Memoranda: | ||
| Average total assets | $141,911,500 | 4,150 |
| Average earning assets | $134,546,500 | 4,061 |
| Average equity | $13,220,500 | 4,531 |
| Average total loans | $135,937,000 | 3,249 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8835% | 1,451 |
| Cost of funding earning assets | 2.6233% | 3,566 |
| Net interest margin | 4.2602% | 2,092 |
| Noninterest income to average assets | 0.1792% | 7,157 |
| Noninterest expense to average assets | 2.3478% | 6,573 |
| Loan and lease loss provision to assets | 0.1418% | 5,541 |
| Net operating income to assets | 1.7315% | 635 |
| Return on assets (ROA) | 1.7315% | 608 |
| Pretax return on assets | 1.7315% | 1,079 |
| Return on Equity (ROE) | 18.0367% | 525 |
| Retained earnings to average equity (ytd only) | 2.1580% | 3,883 |
| Net charge-offs to loans | 0.2874% | 3,483 |
| Credit loss provision to net charge-offs | 51.4667% | 6,337 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 3,268 |
| Efficiency ratio | 55.6213% | 7,071 |
| Assets per employee ($millions) | 5.1256% | 1,801 |
| Cash dividends to net income (ytd only)* | 88.0356% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,044 |
| Loan loss allowance to noncurrent loans | 2,116.9231% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 6,601 |
| Noncurrent loans to loans | 0.0473% | 7,320 |
| Net loans and leases to total assets | 94.8264% | 17 |
| Net loans and leases to deposits | 115.6330% | 539 |
| Net loans and leases to core deposits | 199.0289% | 177 |
| Total domestic deposits to total assets | 82.0063% | 4,199 |
| Equity capital to assets | 9.1857% | 5,103 |
| Core capital (leverage) ratio | 9.8193% | 3,623 |
| Tier 1 risk-based capital ratio | 10.2422% | 6,475 |
| Total risk-based capital ratio | 11.3112% | 6,549 |
| Memoranda: | ||
| Average total assets | $136,126,400 | 4,159 |
| Average earning assets | $129,149,200 | 4,056 |
| Average equity | $13,067,800 | 4,548 |
| Average total loans | $130,497,600 | 3,263 |