Home > West Central Bank > Performance and Condition Ratios
West Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 2,648 |
| Cost of funding earning assets | 1.2909% | 2,545 |
| Net interest margin | 3.4214% | 2,358 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 3.1283% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1989% | 1,654 |
| Return on assets (ROA) | 1.1607% | 1,728 |
| Pretax return on assets | 1.1607% | 2,236 |
| Return on Equity (ROE) | 17.9400% | 824 |
| Retained earnings to average equity (ytd only) | 11.7243% | 672 |
| Net charge-offs to loans | 0.0534% | 1,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 31.7528% | 1,602 |
| Efficiency ratio | 69.7647% | 1,911 |
| Assets per employee ($millions) | 5.1808% | 3,493 |
| Cash dividends to net income (ytd only)* | 34.6491% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,218 |
| Loan loss allowance to noncurrent loans | 77.3585% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 939 |
| Noncurrent loans to loans | 0.8029% | 967 |
| Net loans and leases to total assets | 72.7400% | 1,498 |
| Net loans and leases to deposits | 96.0416% | 783 |
| Net loans and leases to core deposits | 104.5980% | 1,188 |
| Total domestic deposits to total assets | 75.7400% | 3,967 |
| Equity capital to assets | 6.6851% | 4,056 |
| Core capital (leverage) ratio | 10.1018% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $235,717,800 | 2,763 |
| Average earning assets | $221,163,800 | 2,732 |
| Average equity | $15,250,400 | 3,245 |
| Average total loans | $166,577,600 | 2,546 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 2,756 |
| Cost of funding earning assets | 1.1204% | 2,686 |
| Net interest margin | 3.4482% | 2,343 |
| Noninterest income to average assets | 1.1000% | 555 |
| Noninterest expense to average assets | 3.0844% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2468% | 1,657 |
| Return on assets (ROA) | 1.2194% | 1,731 |
| Pretax return on assets | 1.2194% | 2,251 |
| Return on Equity (ROE) | 19.0100% | 819 |
| Retained earnings to average equity (ytd only) | 15.3574% | 521 |
| Net charge-offs to loans | -0.0024% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.6595% | 1,942 |
| Assets per employee ($millions) | 5.3146% | 3,338 |
| Cash dividends to net income (ytd only)* | 19.2236% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 4,135 |
| Loan loss allowance to noncurrent loans | 75.2668% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 839 |
| Noncurrent loans to loans | 0.9330% | 883 |
| Net loans and leases to total assets | 70.8900% | 1,718 |
| Net loans and leases to deposits | 92.4671% | 1,015 |
| Net loans and leases to core deposits | 99.5017% | 1,345 |
| Total domestic deposits to total assets | 76.6600% | 3,958 |
| Equity capital to assets | 5.8970% | 4,029 |
| Core capital (leverage) ratio | 10.2600% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $233,773,000 | 2,782 |
| Average earning assets | $218,968,500 | 2,759 |
| Average equity | $14,993,500 | 3,256 |
| Average total loans | $163,665,500 | 2,577 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 2,897 |
| Cost of funding earning assets | 0.9227% | 2,855 |
| Net interest margin | 3.4724% | 2,336 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 3.1106% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1242% | 2,047 |
| Return on assets (ROA) | 1.1242% | 2,044 |
| Pretax return on assets | 1.1242% | 2,576 |
| Return on Equity (ROE) | 17.0600% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.7472% | 712 |
| Net charge-offs to loans | 0.0025% | 2,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 652.0000% | 222 |
| Efficiency ratio | 70.8265% | 1,687 |
| Assets per employee ($millions) | 4.9421% | 3,641 |
| Cash dividends to net income (ytd only)* | 19.4018% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 4,139 |
| Loan loss allowance to noncurrent loans | 88.3790% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 847 |
| Noncurrent loans to loans | 0.8225% | 933 |
| Net loans and leases to total assets | 70.2000% | 1,717 |
| Net loans and leases to deposits | 88.1904% | 1,328 |
| Net loans and leases to core deposits | 94.2610% | 1,552 |
| Total domestic deposits to total assets | 79.6000% | 3,628 |
| Equity capital to assets | 6.6244% | 3,937 |
| Core capital (leverage) ratio | 10.2992% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $231,978,667 | 2,802 |
| Average earning assets | $217,830,000 | 2,774 |
| Average equity | $15,290,333 | 3,246 |
| Average total loans | $161,310,333 | 2,589 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 2,847 |
| Cost of funding earning assets | 0.7902% | 2,769 |
| Net interest margin | 3.4885% | 2,397 |
| Noninterest income to average assets | 1.1200% | 484 |
| Noninterest expense to average assets | 3.0971% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2906% | 1,698 |
| Return on assets (ROA) | 1.2906% | 1,674 |
| Pretax return on assets | 1.2906% | 2,204 |
| Return on Equity (ROE) | 19.6300% | 806 |
| Retained earnings to average equity (ytd only) | 16.3233% | 656 |
| Net charge-offs to loans | -0.1026% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0299% | 1,971 |
| Assets per employee ($millions) | 4.5436% | 3,997 |
| Cash dividends to net income (ytd only)* | 16.8449% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 4,091 |
| Loan loss allowance to noncurrent loans | 98.7220% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 541 |
| Noncurrent loans to loans | 0.8074% | 950 |
| Net loans and leases to total assets | 69.1000% | 1,720 |
| Net loans and leases to deposits | 79.8342% | 1,828 |
| Net loans and leases to core deposits | 85.3121% | 1,909 |
| Total domestic deposits to total assets | 86.5500% | 2,426 |
| Equity capital to assets | 7.0128% | 3,822 |
| Core capital (leverage) ratio | 9.9395% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $231,828,500 | 2,834 |
| Average earning assets | $217,173,000 | 2,817 |
| Average equity | $15,242,000 | 3,283 |
| Average total loans | $159,836,500 | 2,618 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 2,342 |
| Cost of funding earning assets | 0.4036% | 2,070 |
| Net interest margin | 3.3726% | 2,337 |
| Noninterest income to average assets | 1.1800% | 488 |
| Noninterest expense to average assets | 3.2105% | 709 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0800% | 2,262 |
| Return on assets (ROA) | 1.0800% | 2,204 |
| Pretax return on assets | 1.0800% | 2,837 |
| Return on Equity (ROE) | 14.7800% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.4060% | 1,353 |
| Net charge-offs to loans | -0.0182% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.2219% | 1,538 |
| Assets per employee ($millions) | 4.9188% | 3,735 |
| Cash dividends to net income (ytd only)* | 36.3600% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,170 |
| Loan loss allowance to noncurrent loans | 118.8867% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 703 |
| Noncurrent loans to loans | 0.6112% | 1,221 |
| Net loans and leases to total assets | 67.8000% | 1,849 |
| Net loans and leases to deposits | 84.6094% | 1,412 |
| Net loans and leases to core deposits | 91.4838% | 1,426 |
| Total domestic deposits to total assets | 80.1300% | 3,864 |
| Equity capital to assets | 6.1700% | 4,030 |
| Core capital (leverage) ratio | 9.6930% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $230,466,000 | 2,842 |
| Average earning assets | $216,807,800 | 2,817 |
| Average equity | $16,840,400 | 3,215 |
| Average total loans | $148,168,800 | 2,650 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 2,220 |
| Cost of funding earning assets | 0.2972% | 2,204 |
| Net interest margin | 3.3436% | 2,161 |
| Noninterest income to average assets | 1.1400% | 542 |
| Noninterest expense to average assets | 3.3042% | 593 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9557% | 2,640 |
| Return on assets (ROA) | 0.9557% | 2,611 |
| Pretax return on assets | 0.9557% | 3,158 |
| Return on Equity (ROE) | 12.5600% | 1,852 |
| Retained earnings to average equity (ytd only) | 9.5616% | 1,465 |
| Net charge-offs to loans | -0.0324% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.1365% | 1,261 |
| Assets per employee ($millions) | 4.7352% | 3,884 |
| Cash dividends to net income (ytd only)* | 23.8824% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 4,195 |
| Loan loss allowance to noncurrent loans | 100.0876% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 604 |
| Noncurrent loans to loans | 0.7408% | 1,094 |
| Net loans and leases to total assets | 67.3200% | 1,752 |
| Net loans and leases to deposits | 78.3243% | 1,685 |
| Net loans and leases to core deposits | 85.2376% | 1,567 |
| Total domestic deposits to total assets | 85.9500% | 3,076 |
| Equity capital to assets | 6.3008% | 3,842 |
| Core capital (leverage) ratio | 9.6708% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $227,827,000 | 2,878 |
| Average earning assets | $215,372,750 | 2,842 |
| Average equity | $17,332,750 | 3,214 |
| Average total loans | $144,061,500 | 2,698 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 2,094 |
| Cost of funding earning assets | 0.2732% | 1,987 |
| Net interest margin | 3.2410% | 2,074 |
| Noninterest income to average assets | 1.1280% | 526 |
| Noninterest expense to average assets | 3.2350% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9631% | 2,299 |
| Return on assets (ROA) | 0.9631% | 2,275 |
| Pretax return on assets | 0.9631% | 2,859 |
| Return on Equity (ROE) | 11.9760% | 1,675 |
| Retained earnings to average equity (ytd only) | 9.1074% | 1,255 |
| Net charge-offs to loans | -0.0711% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3627% | 1,472 |
| Assets per employee ($millions) | 4.5374% | 4,045 |
| Cash dividends to net income (ytd only)* | 23.9526% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,248 |
| Loan loss allowance to noncurrent loans | 83.1797% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 543 |
| Noncurrent loans to loans | 0.9086% | 922 |
| Net loans and leases to total assets | 63.9661% | 1,915 |
| Net loans and leases to deposits | 69.7238% | 2,237 |
| Net loans and leases to core deposits | 77.3503% | 1,901 |
| Total domestic deposits to total assets | 91.7421% | 948 |
| Equity capital to assets | 6.7943% | 3,879 |
| Core capital (leverage) ratio | 9.3371% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,006,667 | 2,898 |
| Average earning assets | $215,983,333 | 2,878 |
| Average equity | $18,336,667 | 3,205 |
| Average total loans | $140,695,667 | 2,746 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 2,194 |
| Cost of funding earning assets | 0.2850% | 1,774 |
| Net interest margin | 3.0802% | 2,232 |
| Noninterest income to average assets | 1.0968% | 561 |
| Noninterest expense to average assets | 3.1588% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8595% | 2,451 |
| Return on assets (ROA) | 0.8595% | 2,442 |
| Pretax return on assets | 0.8595% | 2,911 |
| Return on Equity (ROE) | 9.9439% | 1,986 |
| Retained earnings to average equity (ytd only) | 4.0898% | 2,903 |
| Net charge-offs to loans | -0.3587% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8085% | 1,550 |
| Assets per employee ($millions) | 5.3667% | 3,432 |
| Cash dividends to net income (ytd only)* | 58.8710% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 4,179 |
| Loan loss allowance to noncurrent loans | 95.2263% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 701 |
| Noncurrent loans to loans | 0.8799% | 1,059 |
| Net loans and leases to total assets | 57.9886% | 2,299 |
| Net loans and leases to deposits | 65.4129% | 2,390 |
| Net loans and leases to core deposits | 72.2581% | 2,085 |
| Total domestic deposits to total assets | 88.6502% | 2,231 |
| Equity capital to assets | 7.7980% | 3,731 |
| Core capital (leverage) ratio | 8.9466% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,844,000 | 2,894 |
| Average earning assets | $218,945,500 | 2,871 |
| Average equity | $19,952,000 | 3,150 |
| Average total loans | $139,393,500 | 2,756 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 1,951 |
| Cost of funding earning assets | 0.4342% | 1,295 |
| Net interest margin | 3.3299% | 2,239 |
| Noninterest income to average assets | 1.3199% | 616 |
| Noninterest expense to average assets | 3.3241% | 604 |
| Loan and lease loss provision to assets | 0.7238% | 63 |
| Net operating income to assets | 0.3882% | 4,295 |
| Return on assets (ROA) | 0.3882% | 4,325 |
| Pretax return on assets | 0.3882% | 4,406 |
| Return on Equity (ROE) | 3.8309% | 4,244 |
| Retained earnings to average equity (ytd only) | 1.4920% | 4,123 |
| Net charge-offs to loans | 1.3527% | 43 |
| Credit loss provision to net charge-offs | 84.2495% | 1,927 |
| Earnings coverage of net charge-offs (x) | 1.2944% | 2,621 |
| Efficiency ratio | 72.2825% | 1,481 |
| Assets per employee ($millions) | 5.1262% | 3,620 |
| Cash dividends to net income (ytd only)* | 61.0526% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,373 |
| Loan loss allowance to noncurrent loans | 62.5455% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 523 |
| Noncurrent loans to loans | 1.1727% | 822 |
| Net loans and leases to total assets | 61.9219% | 1,950 |
| Net loans and leases to deposits | 71.3240% | 1,981 |
| Net loans and leases to core deposits | 79.7649% | 1,612 |
| Total domestic deposits to total assets | 86.8177% | 2,581 |
| Equity capital to assets | 9.5277% | 3,123 |
| Core capital (leverage) ratio | 9.2593% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,238,200 | 2,901 |
| Average earning assets | $206,103,600 | 2,906 |
| Average equity | $22,318,400 | 3,033 |
| Average total loans | $139,871,000 | 2,727 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 1,842 |
| Cost of funding earning assets | 0.4644% | 1,259 |
| Net interest margin | 3.4091% | 2,128 |
| Noninterest income to average assets | 1.2803% | 710 |
| Noninterest expense to average assets | 3.3188% | 588 |
| Loan and lease loss provision to assets | 0.0397% | 2,201 |
| Net operating income to assets | 1.1055% | 2,539 |
| Return on assets (ROA) | 1.1055% | 2,594 |
| Pretax return on assets | 1.1055% | 3,185 |
| Return on Equity (ROE) | 10.7431% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.4702% | 1,886 |
| Net charge-offs to loans | 0.0325% | 1,416 |
| Credit loss provision to net charge-offs | 191.1765% | 1,228 |
| Earnings coverage of net charge-offs (x) | 55.2941% | 1,180 |
| Efficiency ratio | 71.7015% | 1,434 |
| Assets per employee ($millions) | 5.0383% | 3,664 |
| Cash dividends to net income (ytd only)* | 21.1570% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,887 |
| Loan loss allowance to noncurrent loans | 72.6642% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 529 |
| Noncurrent loans to loans | 1.3594% | 787 |
| Net loans and leases to total assets | 61.5369% | 2,070 |
| Net loans and leases to deposits | 72.0835% | 2,042 |
| Net loans and leases to core deposits | 80.9482% | 1,656 |
| Total domestic deposits to total assets | 85.3689% | 2,999 |
| Equity capital to assets | 10.4540% | 2,487 |
| Core capital (leverage) ratio | 9.7384% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,909,750 | 2,945 |
| Average earning assets | $204,426,750 | 2,948 |
| Average equity | $22,525,500 | 3,052 |
| Average total loans | $139,664,250 | 2,768 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 1,565 |
| Cost of funding earning assets | 0.4898% | 1,264 |
| Net interest margin | 3.5095% | 1,833 |
| Noninterest income to average assets | 1.2808% | 708 |
| Noninterest expense to average assets | 3.2507% | 664 |
| Loan and lease loss provision to assets | 0.0596% | 1,838 |
| Net operating income to assets | 1.2441% | 2,045 |
| Return on assets (ROA) | 1.2441% | 2,104 |
| Pretax return on assets | 1.2441% | 2,790 |
| Return on Equity (ROE) | 12.1565% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.8615% | 1,441 |
| Net charge-offs to loans | 0.0499% | 1,123 |
| Credit loss provision to net charge-offs | 185.7143% | 1,076 |
| Earnings coverage of net charge-offs (x) | 40.6000% | 1,157 |
| Efficiency ratio | 68.7752% | 1,786 |
| Assets per employee ($millions) | 5.1050% | 3,555 |
| Cash dividends to net income (ytd only)* | 18.8791% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,881 |
| Loan loss allowance to noncurrent loans | 102.4078% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 815 |
| Noncurrent loans to loans | 0.9584% | 1,292 |
| Net loans and leases to total assets | 61.1259% | 2,292 |
| Net loans and leases to deposits | 71.4380% | 2,262 |
| Net loans and leases to core deposits | 80.2859% | 1,865 |
| Total domestic deposits to total assets | 85.5650% | 2,883 |
| Equity capital to assets | 10.1563% | 2,717 |
| Core capital (leverage) ratio | 9.5133% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,984,667 | 2,954 |
| Average earning assets | $203,335,000 | 2,955 |
| Average equity | $22,309,000 | 3,066 |
| Average total loans | $140,292,667 | 2,779 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 1,251 |
| Cost of funding earning assets | 0.5022% | 1,383 |
| Net interest margin | 3.6672% | 1,409 |
| Noninterest income to average assets | 1.2559% | 800 |
| Noninterest expense to average assets | 3.3037% | 604 |
| Loan and lease loss provision to assets | 0.1211% | 1,134 |
| Net operating income to assets | 1.2466% | 1,988 |
| Return on assets (ROA) | 1.2466% | 2,068 |
| Pretax return on assets | 1.2466% | 2,708 |
| Return on Equity (ROE) | 12.1322% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.8109% | 1,705 |
| Net charge-offs to loans | 0.0057% | 1,698 |
| Credit loss provision to net charge-offs | 3,250.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 252 |
| Efficiency ratio | 68.1292% | 1,917 |
| Assets per employee ($millions) | 5.0800% | 3,551 |
| Cash dividends to net income (ytd only)* | 19.1330% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,811 |
| Loan loss allowance to noncurrent loans | 92.9286% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 852 |
| Noncurrent loans to loans | 1.0828% | 1,229 |
| Net loans and leases to total assets | 61.3097% | 2,361 |
| Net loans and leases to deposits | 71.0781% | 2,411 |
| Net loans and leases to core deposits | 79.4163% | 2,059 |
| Total domestic deposits to total assets | 86.2568% | 2,647 |
| Equity capital to assets | 9.8796% | 2,819 |
| Core capital (leverage) ratio | 9.5170% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,667,000 | 2,971 |
| Average earning assets | $199,934,500 | 2,974 |
| Average equity | $22,057,000 | 3,073 |
| Average total loans | $141,108,000 | 2,773 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 1,480 |
| Cost of funding earning assets | 0.6374% | 2,071 |
| Net interest margin | 3.7980% | 1,504 |
| Noninterest income to average assets | 1.5433% | 510 |
| Noninterest expense to average assets | 3.6630% | 555 |
| Loan and lease loss provision to assets | 0.2717% | 1,420 |
| Net operating income to assets | 1.1285% | 1,807 |
| Return on assets (ROA) | 1.1285% | 1,929 |
| Pretax return on assets | 1.1285% | 2,591 |
| Return on Equity (ROE) | 10.3522% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.6796% | 1,518 |
| Net charge-offs to loans | 0.0958% | 1,506 |
| Credit loss provision to net charge-offs | 377.1429% | 1,500 |
| Earnings coverage of net charge-offs (x) | 19.4357% | 1,979 |
| Efficiency ratio | 69.8242% | 1,973 |
| Assets per employee ($millions) | 4.5736% | 3,840 |
| Cash dividends to net income (ytd only)* | 35.4765% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 4,109 |
| Loan loss allowance to noncurrent loans | 113.5781% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 1,089 |
| Noncurrent loans to loans | 0.8144% | 1,717 |
| Net loans and leases to total assets | 69.2148% | 1,658 |
| Net loans and leases to deposits | 81.3283% | 1,727 |
| Net loans and leases to core deposits | 90.6824% | 1,478 |
| Total domestic deposits to total assets | 85.1054% | 2,718 |
| Equity capital to assets | 10.7044% | 2,517 |
| Core capital (leverage) ratio | 9.9555% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,320,800 | 2,990 |
| Average earning assets | $180,094,600 | 2,999 |
| Average equity | $21,184,000 | 3,084 |
| Average total loans | $146,138,400 | 2,697 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 1,485 |
| Cost of funding earning assets | 0.6642% | 2,234 |
| Net interest margin | 3.8758% | 1,415 |
| Noninterest income to average assets | 1.4541% | 547 |
| Noninterest expense to average assets | 3.6514% | 581 |
| Loan and lease loss provision to assets | 0.2972% | 1,357 |
| Net operating income to assets | 1.1101% | 1,952 |
| Return on assets (ROA) | 1.1101% | 2,071 |
| Pretax return on assets | 1.1101% | 2,706 |
| Return on Equity (ROE) | 10.1338% | 1,972 |
| Retained earnings to average equity (ytd only) | 7.8324% | 1,363 |
| Net charge-offs to loans | 0.1145% | 1,208 |
| Credit loss provision to net charge-offs | 338.8889% | 1,639 |
| Earnings coverage of net charge-offs (x) | 16.0397% | 2,073 |
| Efficiency ratio | 69.6448% | 1,937 |
| Assets per employee ($millions) | 4.3152% | 4,031 |
| Cash dividends to net income (ytd only)* | 22.7102% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 4,257 |
| Loan loss allowance to noncurrent loans | 67.2983% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 691 |
| Noncurrent loans to loans | 1.2473% | 1,213 |
| Net loans and leases to total assets | 73.9723% | 1,372 |
| Net loans and leases to deposits | 87.2678% | 1,560 |
| Net loans and leases to core deposits | 96.7305% | 1,399 |
| Total domestic deposits to total assets | 84.7647% | 2,522 |
| Equity capital to assets | 10.9511% | 2,428 |
| Core capital (leverage) ratio | 10.0760% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,447,750 | 2,999 |
| Average earning assets | $178,056,250 | 3,002 |
| Average equity | $20,972,250 | 3,095 |
| Average total loans | $146,727,250 | 2,695 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 1,507 |
| Cost of funding earning assets | 0.6958% | 2,410 |
| Net interest margin | 3.9657% | 1,410 |
| Noninterest income to average assets | 1.3760% | 547 |
| Noninterest expense to average assets | 3.6828% | 590 |
| Loan and lease loss provision to assets | 0.3459% | 1,225 |
| Net operating income to assets | 1.0365% | 2,199 |
| Return on assets (ROA) | 1.0365% | 2,334 |
| Pretax return on assets | 1.0365% | 2,910 |
| Return on Equity (ROE) | 9.4608% | 2,171 |
| Retained earnings to average equity (ytd only) | 7.2018% | 1,570 |
| Net charge-offs to loans | 0.1217% | 1,115 |
| Credit loss provision to net charge-offs | 367.4157% | 1,473 |
| Earnings coverage of net charge-offs (x) | 14.6854% | 1,939 |
| Efficiency ratio | 70.2234% | 1,926 |
| Assets per employee ($millions) | 4.2561% | 4,049 |
| Cash dividends to net income (ytd only)* | 23.8776% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 4,352 |
| Loan loss allowance to noncurrent loans | 47.0494% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 631 |
| Noncurrent loans to loans | 1.6920% | 855 |
| Net loans and leases to total assets | 75.1062% | 1,261 |
| Net loans and leases to deposits | 88.5668% | 1,495 |
| Net loans and leases to core deposits | 98.2717% | 1,393 |
| Total domestic deposits to total assets | 84.8018% | 2,474 |
| Equity capital to assets | 10.8699% | 2,448 |
| Core capital (leverage) ratio | 10.3119% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,097,000 | 2,997 |
| Average earning assets | $175,908,333 | 3,002 |
| Average equity | $20,717,000 | 3,110 |
| Average total loans | $146,277,000 | 2,689 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,941 |
| Cost of funding earning assets | 0.7579% | 2,619 |
| Net interest margin | 3.8637% | 1,782 |
| Noninterest income to average assets | 1.4492% | 426 |
| Noninterest expense to average assets | 3.7856% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2533% | 1,371 |
| Return on assets (ROA) | 1.2533% | 1,475 |
| Pretax return on assets | 1.2533% | 2,026 |
| Return on Equity (ROE) | 11.3922% | 1,293 |
| Retained earnings to average equity (ytd only) | 8.6910% | 1,056 |
| Net charge-offs to loans | 0.1955% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 8.1972% | 1,881 |
| Efficiency ratio | 72.6068% | 1,987 |
| Assets per employee ($millions) | 3.7592% | 4,207 |
| Cash dividends to net income (ytd only)* | 23.7113% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5984% | 4,760 |
| Loan loss allowance to noncurrent loans | 27.7742% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.9099% | 453 |
| Noncurrent loans to loans | 2.1546% | 625 |
| Net loans and leases to total assets | 78.5442% | 897 |
| Net loans and leases to deposits | 90.9645% | 1,410 |
| Net loans and leases to core deposits | 100.9750% | 1,400 |
| Total domestic deposits to total assets | 86.3460% | 1,853 |
| Equity capital to assets | 11.1475% | 2,728 |
| Core capital (leverage) ratio | 10.4683% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,755,500 | 2,999 |
| Average earning assets | $172,579,000 | 2,988 |
| Average equity | $20,435,000 | 3,126 |
| Average total loans | $145,304,000 | 2,678 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 2,169 |
| Cost of funding earning assets | 0.7279% | 3,027 |
| Net interest margin | 4.0314% | 1,744 |
| Noninterest income to average assets | 1.4215% | 469 |
| Noninterest expense to average assets | 4.0000% | 530 |
| Loan and lease loss provision to assets | 0.2315% | 824 |
| Net operating income to assets | 0.9249% | 3,110 |
| Return on assets (ROA) | 0.9249% | 3,186 |
| Pretax return on assets | 0.9249% | 3,665 |
| Return on Equity (ROE) | 8.6640% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.0294% | 2,397 |
| Net charge-offs to loans | 0.4268% | 452 |
| Credit loss provision to net charge-offs | 66.2519% | 2,966 |
| Earnings coverage of net charge-offs (x) | 3.3095% | 3,330 |
| Efficiency ratio | 75.0659% | 1,477 |
| Assets per employee ($millions) | 3.7462% | 4,217 |
| Cash dividends to net income (ytd only)* | 41.9506% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,658 |
| Loan loss allowance to noncurrent loans | 65.7821% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 1,286 |
| Noncurrent loans to loans | 0.9872% | 1,543 |
| Net loans and leases to total assets | 76.9397% | 1,269 |
| Net loans and leases to deposits | 89.3698% | 1,658 |
| Net loans and leases to core deposits | 99.8891% | 1,573 |
| Total domestic deposits to total assets | 86.0914% | 2,036 |
| Equity capital to assets | 10.8569% | 3,131 |
| Core capital (leverage) ratio | 10.2292% | 3,266 |
| Tier 1 risk-based capital ratio | 13.7801% | 3,379 |
| Total risk-based capital ratio | 14.4721% | 3,560 |
| Memoranda: | ||
| Average total assets | $184,024,800 | 2,971 |
| Average earning assets | $170,484,600 | 2,980 |
| Average equity | $19,644,600 | 3,165 |
| Average total loans | $150,650,600 | 2,615 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 2,184 |
| Cost of funding earning assets | 0.7176% | 3,122 |
| Net interest margin | 4.0609% | 1,727 |
| Noninterest income to average assets | 1.2932% | 555 |
| Noninterest expense to average assets | 4.0500% | 499 |
| Loan and lease loss provision to assets | 0.1492% | 1,270 |
| Net operating income to assets | 0.8544% | 3,504 |
| Return on assets (ROA) | 0.8544% | 3,582 |
| Pretax return on assets | 0.8544% | 3,992 |
| Return on Equity (ROE) | 8.0388% | 3,289 |
| Retained earnings to average equity (ytd only) | 5.3409% | 2,713 |
| Net charge-offs to loans | 0.3674% | 461 |
| Credit loss provision to net charge-offs | 48.9260% | 2,799 |
| Earnings coverage of net charge-offs (x) | 3.2912% | 3,115 |
| Efficiency ratio | 77.5778% | 1,145 |
| Assets per employee ($millions) | 3.4347% | 4,562 |
| Cash dividends to net income (ytd only)* | 33.5606% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 4,763 |
| Loan loss allowance to noncurrent loans | 61.3636% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 1,194 |
| Noncurrent loans to loans | 1.0308% | 1,558 |
| Net loans and leases to total assets | 81.5488% | 623 |
| Net loans and leases to deposits | 95.7600% | 1,044 |
| Net loans and leases to core deposits | 109.5451% | 970 |
| Total domestic deposits to total assets | 85.1596% | 2,366 |
| Equity capital to assets | 11.0615% | 3,047 |
| Core capital (leverage) ratio | 10.1855% | 3,439 |
| Tier 1 risk-based capital ratio | 13.3332% | 3,669 |
| Total risk-based capital ratio | 14.0147% | 3,871 |
| Memoranda: | ||
| Average total assets | $183,203,750 | 3,012 |
| Average earning assets | $169,646,500 | 3,015 |
| Average equity | $19,471,750 | 3,203 |
| Average total loans | $152,049,000 | 2,628 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 2,235 |
| Cost of funding earning assets | 0.6933% | 3,205 |
| Net interest margin | 4.0534% | 1,752 |
| Noninterest income to average assets | 1.2288% | 571 |
| Noninterest expense to average assets | 4.0623% | 490 |
| Loan and lease loss provision to assets | 0.2233% | 737 |
| Net operating income to assets | 0.6819% | 4,064 |
| Return on assets (ROA) | 0.6819% | 4,116 |
| Pretax return on assets | 0.6819% | 4,373 |
| Return on Equity (ROE) | 6.5038% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.1766% | 3,161 |
| Net charge-offs to loans | 0.5061% | 308 |
| Credit loss provision to net charge-offs | 52.9716% | 2,451 |
| Earnings coverage of net charge-offs (x) | 2.1473% | 2,966 |
| Efficiency ratio | 79.1667% | 1,044 |
| Assets per employee ($millions) | 3.4553% | 4,549 |
| Cash dividends to net income (ytd only)* | 35.7827% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6458% | 4,799 |
| Loan loss allowance to noncurrent loans | 166.4395% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 1,928 |
| Noncurrent loans to loans | 0.3880% | 3,136 |
| Net loans and leases to total assets | 82.0778% | 601 |
| Net loans and leases to deposits | 96.7109% | 963 |
| Net loans and leases to core deposits | 109.0856% | 1,029 |
| Total domestic deposits to total assets | 84.8692% | 2,537 |
| Equity capital to assets | 10.7432% | 3,311 |
| Core capital (leverage) ratio | 10.1381% | 3,466 |
| Tier 1 risk-based capital ratio | 12.7109% | 4,006 |
| Total risk-based capital ratio | 13.3988% | 4,222 |
| Memoranda: | ||
| Average total assets | $183,592,670 | 3,016 |
| Average earning assets | $169,337,330 | 3,031 |
| Average equity | $19,250,330 | 3,224 |
| Average total loans | $152,934,000 | 2,628 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 2,194 |
| Cost of funding earning assets | 0.6784% | 3,159 |
| Net interest margin | 4.0306% | 1,755 |
| Noninterest income to average assets | 1.1402% | 621 |
| Noninterest expense to average assets | 4.0495% | 501 |
| Loan and lease loss provision to assets | 0.3199% | 388 |
| Net operating income to assets | 0.4940% | 4,537 |
| Return on assets (ROA) | 0.4940% | 4,556 |
| Pretax return on assets | 0.4940% | 4,701 |
| Return on Equity (ROE) | 4.7693% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.7523% | 3,836 |
| Net charge-offs to loans | 0.9704% | 146 |
| Credit loss provision to net charge-offs | 39.4102% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.0027% | 2,632 |
| Efficiency ratio | 80.6264% | 993 |
| Assets per employee ($millions) | 3.4075% | 4,647 |
| Cash dividends to net income (ytd only)* | 42.2907% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6148% | 4,907 |
| Loan loss allowance to noncurrent loans | 205.9603% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 2,184 |
| Noncurrent loans to loans | 0.2985% | 3,490 |
| Net loans and leases to total assets | 83.5090% | 420 |
| Net loans and leases to deposits | 94.5092% | 1,112 |
| Net loans and leases to core deposits | 108.4151% | 1,035 |
| Total domestic deposits to total assets | 88.3607% | 1,153 |
| Equity capital to assets | 10.6282% | 3,224 |
| Core capital (leverage) ratio | 9.7555% | 3,863 |
| Tier 1 risk-based capital ratio | 12.4806% | 4,182 |
| Total risk-based capital ratio | 13.1377% | 4,428 |
| Memoranda: | ||
| Average total assets | $183,824,000 | 3,048 |
| Average earning assets | $169,800,500 | 3,057 |
| Average equity | $19,038,500 | 3,259 |
| Average total loans | $153,758,000 | 2,652 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 2,164 |
| Cost of funding earning assets | 0.6033% | 2,689 |
| Net interest margin | 3.9851% | 2,040 |
| Noninterest income to average assets | 1.3969% | 467 |
| Noninterest expense to average assets | 4.1325% | 445 |
| Loan and lease loss provision to assets | 0.0954% | 2,248 |
| Net operating income to assets | 0.8483% | 3,614 |
| Return on assets (ROA) | 0.8483% | 3,611 |
| Pretax return on assets | 0.8483% | 4,041 |
| Return on Equity (ROE) | 8.7770% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.0797% | 2,722 |
| Net charge-offs to loans | 0.2342% | 830 |
| Credit loss provision to net charge-offs | 49.7268% | 3,196 |
| Earnings coverage of net charge-offs (x) | 4.9208% | 3,247 |
| Efficiency ratio | 78.9533% | 1,043 |
| Assets per employee ($millions) | 3.5972% | 4,452 |
| Cash dividends to net income (ytd only)* | 42.1248% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 4,696 |
| Loan loss allowance to noncurrent loans | 71.0607% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 1,501 |
| Noncurrent loans to loans | 1.0471% | 1,563 |
| Net loans and leases to total assets | 82.6563% | 565 |
| Net loans and leases to deposits | 94.5494% | 1,223 |
| Net loans and leases to core deposits | 109.7793% | 1,019 |
| Total domestic deposits to total assets | 87.4212% | 1,580 |
| Equity capital to assets | 10.0950% | 3,580 |
| Core capital (leverage) ratio | 9.4772% | 4,138 |
| Tier 1 risk-based capital ratio | 11.9697% | 4,444 |
| Total risk-based capital ratio | 12.7610% | 4,622 |
| Memoranda: | ||
| Average total assets | $190,853,800 | 2,954 |
| Average earning assets | $176,204,400 | 2,966 |
| Average equity | $18,446,000 | 3,247 |
| Average total loans | $156,280,600 | 2,562 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 2,267 |
| Cost of funding earning assets | 0.5966% | 2,496 |
| Net interest margin | 3.9135% | 2,244 |
| Noninterest income to average assets | 1.2978% | 570 |
| Noninterest expense to average assets | 4.1020% | 457 |
| Loan and lease loss provision to assets | 0.0348% | 3,313 |
| Net operating income to assets | 0.7772% | 3,981 |
| Return on assets (ROA) | 0.7772% | 3,994 |
| Pretax return on assets | 0.7772% | 4,354 |
| Return on Equity (ROE) | 8.1292% | 3,495 |
| Retained earnings to average equity (ytd only) | 5.5697% | 2,913 |
| Net charge-offs to loans | 0.0673% | 1,874 |
| Credit loss provision to net charge-offs | 63.2911% | 2,712 |
| Earnings coverage of net charge-offs (x) | 14.7849% | 2,264 |
| Efficiency ratio | 80.9591% | 864 |
| Assets per employee ($millions) | 3.2256% | 4,860 |
| Cash dividends to net income (ytd only)* | 31.4847% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,475 |
| Loan loss allowance to noncurrent loans | 66.2469% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 1,293 |
| Noncurrent loans to loans | 1.2791% | 1,318 |
| Net loans and leases to total assets | 82.2470% | 671 |
| Net loans and leases to deposits | 92.1621% | 1,599 |
| Net loans and leases to core deposits | 108.1177% | 1,162 |
| Total domestic deposits to total assets | 89.2417% | 757 |
| Equity capital to assets | 9.9212% | 3,724 |
| Core capital (leverage) ratio | 9.1745% | 4,538 |
| Tier 1 risk-based capital ratio | 11.7635% | 4,625 |
| Total risk-based capital ratio | 12.6577% | 4,726 |
| Memoranda: | ||
| Average total assets | $191,804,000 | 2,974 |
| Average earning assets | $177,230,000 | 2,973 |
| Average equity | $18,336,750 | 3,276 |
| Average total loans | $156,408,250 | 2,576 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 2,276 |
| Cost of funding earning assets | 0.5874% | 2,316 |
| Net interest margin | 3.8568% | 2,353 |
| Noninterest income to average assets | 1.2452% | 622 |
| Noninterest expense to average assets | 4.0470% | 498 |
| Loan and lease loss provision to assets | 0.0517% | 2,881 |
| Net operating income to assets | 0.7116% | 4,164 |
| Return on assets (ROA) | 0.7116% | 4,168 |
| Pretax return on assets | 0.7116% | 4,481 |
| Return on Equity (ROE) | 7.5348% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.0816% | 3,030 |
| Net charge-offs to loans | 0.0714% | 1,624 |
| Credit loss provision to net charge-offs | 89.2857% | 2,163 |
| Earnings coverage of net charge-offs (x) | 13.1786% | 2,161 |
| Efficiency ratio | 81.5739% | 864 |
| Assets per employee ($millions) | 3.2805% | 4,838 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,536 |
| Loan loss allowance to noncurrent loans | 72.4661% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 1,505 |
| Noncurrent loans to loans | 1.1796% | 1,469 |
| Net loans and leases to total assets | 80.1172% | 999 |
| Net loans and leases to deposits | 89.3453% | 1,929 |
| Net loans and leases to core deposits | 102.7226% | 1,511 |
| Total domestic deposits to total assets | 89.6713% | 679 |
| Equity capital to assets | 9.5015% | 4,098 |
| Core capital (leverage) ratio | 8.8074% | 4,873 |
| Tier 1 risk-based capital ratio | 11.3732% | 4,853 |
| Total risk-based capital ratio | 12.2708% | 4,945 |
| Memoranda: | ||
| Average total assets | $193,377,330 | 2,966 |
| Average earning assets | $178,748,330 | 2,974 |
| Average equity | $18,262,000 | 3,306 |
| Average total loans | $156,815,670 | 2,586 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 2,189 |
| Cost of funding earning assets | 0.5791% | 2,181 |
| Net interest margin | 3.8227% | 2,326 |
| Noninterest income to average assets | 1.2416% | 606 |
| Noninterest expense to average assets | 4.0229% | 514 |
| Loan and lease loss provision to assets | 0.1035% | 1,795 |
| Net operating income to assets | 0.6394% | 4,314 |
| Return on assets (ROA) | 0.6394% | 4,327 |
| Pretax return on assets | 0.6394% | 4,595 |
| Return on Equity (ROE) | 6.7920% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.6818% | 3,317 |
| Net charge-offs to loans | 0.3057% | 496 |
| Credit loss provision to net charge-offs | 41.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | 2.9917% | 2,416 |
| Efficiency ratio | 81.8498% | 960 |
| Assets per employee ($millions) | 3.2038% | 4,994 |
| Cash dividends to net income (ytd only)* | 31.0680% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 4,771 |
| Loan loss allowance to noncurrent loans | 150.7692% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 2,479 |
| Noncurrent loans to loans | 0.5366% | 2,914 |
| Net loans and leases to total assets | 79.9277% | 943 |
| Net loans and leases to deposits | 88.9974% | 1,813 |
| Net loans and leases to core deposits | 102.5277% | 1,482 |
| Total domestic deposits to total assets | 89.8091% | 735 |
| Equity capital to assets | 9.2970% | 4,268 |
| Core capital (leverage) ratio | 8.6596% | 5,012 |
| Tier 1 risk-based capital ratio | 11.0291% | 5,117 |
| Total risk-based capital ratio | 11.8741% | 5,214 |
| Memoranda: | ||
| Average total assets | $193,291,500 | 2,998 |
| Average earning assets | $178,196,500 | 3,013 |
| Average equity | $18,198,000 | 3,337 |
| Average total loans | $157,022,000 | 2,603 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 1,919 |
| Cost of funding earning assets | 0.5419% | 2,013 |
| Net interest margin | 3.8960% | 2,098 |
| Noninterest income to average assets | 1.2255% | 697 |
| Noninterest expense to average assets | 4.0513% | 501 |
| Loan and lease loss provision to assets | 0.1797% | 1,200 |
| Net operating income to assets | 0.5623% | 4,180 |
| Return on assets (ROA) | 0.5634% | 4,205 |
| Pretax return on assets | 0.5634% | 4,819 |
| Return on Equity (ROE) | 5.9067% | 3,801 |
| Retained earnings to average equity (ytd only) | 2.8370% | 3,616 |
| Net charge-offs to loans | 0.1013% | 2,058 |
| Credit loss provision to net charge-offs | 216.5605% | 1,260 |
| Earnings coverage of net charge-offs (x) | 8.9427% | 2,850 |
| Efficiency ratio | 81.8964% | 937 |
| Assets per employee ($millions) | 3.4135% | 4,810 |
| Cash dividends to net income (ytd only)* | 51.9700% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 4,640 |
| Loan loss allowance to noncurrent loans | 138.3110% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 2,249 |
| Noncurrent loans to loans | 0.6202% | 2,678 |
| Net loans and leases to total assets | 81.2042% | 798 |
| Net loans and leases to deposits | 90.6085% | 1,696 |
| Net loans and leases to core deposits | 101.7835% | 1,566 |
| Total domestic deposits to total assets | 89.6209% | 724 |
| Equity capital to assets | 9.5352% | 4,204 |
| Core capital (leverage) ratio | 8.6218% | 5,023 |
| Tier 1 risk-based capital ratio | 10.8268% | 5,245 |
| Total risk-based capital ratio | 11.7158% | 5,294 |
| Memoranda: | ||
| Average total assets | $189,224,600 | 3,027 |
| Average earning assets | $173,279,200 | 3,034 |
| Average equity | $18,047,200 | 3,358 |
| Average total loans | $155,033,400 | 2,600 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 1,945 |
| Cost of funding earning assets | 0.5279% | 2,050 |
| Net interest margin | 3.8780% | 2,114 |
| Noninterest income to average assets | 1.2320% | 692 |
| Noninterest expense to average assets | 4.1890% | 413 |
| Loan and lease loss provision to assets | 0.0636% | 2,796 |
| Net operating income to assets | 0.5291% | 4,653 |
| Return on assets (ROA) | 0.5305% | 4,683 |
| Pretax return on assets | 0.5305% | 4,973 |
| Return on Equity (ROE) | 5.5621% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.6661% | 3,745 |
| Net charge-offs to loans | 0.0862% | 1,934 |
| Credit loss provision to net charge-offs | 90.0000% | 2,461 |
| Earnings coverage of net charge-offs (x) | 8.3900% | 2,789 |
| Efficiency ratio | 84.9609% | 690 |
| Assets per employee ($millions) | 3.0393% | 5,232 |
| Cash dividends to net income (ytd only)* | 34.0873% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 5,066 |
| Loan loss allowance to noncurrent loans | 418.1818% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,735 |
| Noncurrent loans to loans | 0.1751% | 4,371 |
| Net loans and leases to total assets | 82.7367% | 574 |
| Net loans and leases to deposits | 92.4955% | 1,497 |
| Net loans and leases to core deposits | 103.6430% | 1,413 |
| Total domestic deposits to total assets | 89.4494% | 675 |
| Equity capital to assets | 9.7180% | 4,230 |
| Core capital (leverage) ratio | 8.8252% | 4,937 |
| Tier 1 risk-based capital ratio | 10.7274% | 5,365 |
| Total risk-based capital ratio | 11.4851% | 5,479 |
| Memoranda: | ||
| Average total assets | $188,742,250 | 3,055 |
| Average earning assets | $172,767,250 | 3,066 |
| Average equity | $18,002,250 | 3,391 |
| Average total loans | $154,649,750 | 2,621 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 1,933 |
| Cost of funding earning assets | 0.5229% | 1,983 |
| Net interest margin | 3.8403% | 2,128 |
| Noninterest income to average assets | 1.0633% | 891 |
| Noninterest expense to average assets | 4.0351% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5359% | 4,588 |
| Return on assets (ROA) | 0.5380% | 4,618 |
| Pretax return on assets | 0.5380% | 4,939 |
| Return on Equity (ROE) | 5.6763% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,381 |
| Net charge-offs to loans | 0.0221% | 2,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.7647% | 1,469 |
| Efficiency ratio | 85.5190% | 731 |
| Assets per employee ($millions) | 2.9085% | 5,349 |
| Cash dividends to net income (ytd only)* | 31.4961% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 5,094 |
| Loan loss allowance to noncurrent loans | 148.4416% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 3,230 |
| Noncurrent loans to loans | 0.5023% | 3,245 |
| Net loans and leases to total assets | 83.0422% | 547 |
| Net loans and leases to deposits | 93.0798% | 1,353 |
| Net loans and leases to core deposits | 104.9436% | 1,297 |
| Total domestic deposits to total assets | 89.2162% | 852 |
| Equity capital to assets | 9.9390% | 3,986 |
| Core capital (leverage) ratio | 8.8015% | 4,946 |
| Tier 1 risk-based capital ratio | 10.9129% | 5,299 |
| Total risk-based capital ratio | 11.6890% | 5,410 |
| Memoranda: | ||
| Average total assets | $188,845,000 | 3,070 |
| Average earning assets | $172,487,000 | 3,081 |
| Average equity | $17,899,000 | 3,409 |
| Average total loans | $153,848,330 | 2,641 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,005 |
| Cost of funding earning assets | 0.5154% | 1,967 |
| Net interest margin | 3.7667% | 2,236 |
| Noninterest income to average assets | 1.2732% | 626 |
| Noninterest expense to average assets | 3.9301% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7597% | 3,431 |
| Return on assets (ROA) | 0.7597% | 3,485 |
| Pretax return on assets | 0.7597% | 4,252 |
| Return on Equity (ROE) | 8.2063% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.2063% | 1,374 |
| Net charge-offs to loans | 0.0260% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 36.4000% | 1,096 |
| Efficiency ratio | 81.1749% | 1,242 |
| Assets per employee ($millions) | 3.0428% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7506% | 5,196 |
| Loan loss allowance to noncurrent loans | 343.2836% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 2,391 |
| Noncurrent loans to loans | 0.2186% | 4,323 |
| Net loans and leases to total assets | 80.6039% | 751 |
| Net loans and leases to deposits | 89.9734% | 1,533 |
| Net loans and leases to core deposits | 101.1239% | 1,435 |
| Total domestic deposits to total assets | 89.5863% | 857 |
| Equity capital to assets | 9.5168% | 4,275 |
| Core capital (leverage) ratio | 8.6632% | 5,086 |
| Tier 1 risk-based capital ratio | 10.7052% | 5,457 |
| Total risk-based capital ratio | 11.4726% | 5,588 |
| Memoranda: | ||
| Average total assets | $191,649,000 | 3,080 |
| Average earning assets | $173,839,500 | 3,087 |
| Average equity | $17,742,500 | 3,445 |
| Average total loans | $154,119,000 | 2,648 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 2,339 |
| Cost of funding earning assets | 0.5726% | 1,526 |
| Net interest margin | 3.6697% | 2,819 |
| Noninterest income to average assets | 1.3319% | 641 |
| Noninterest expense to average assets | 4.0732% | 544 |
| Loan and lease loss provision to assets | 0.1166% | 2,120 |
| Net operating income to assets | 0.5012% | 4,632 |
| Return on assets (ROA) | 0.5501% | 4,536 |
| Pretax return on assets | 0.5501% | 4,921 |
| Return on Equity (ROE) | 6.1321% | 3,911 |
| Retained earnings to average equity (ytd only) | 3.0206% | 3,752 |
| Net charge-offs to loans | 0.1109% | 2,159 |
| Credit loss provision to net charge-offs | 135.5030% | 2,003 |
| Earnings coverage of net charge-offs (x) | 7.1775% | 3,060 |
| Efficiency ratio | 84.2454% | 989 |
| Assets per employee ($millions) | 3.0896% | 5,279 |
| Cash dividends to net income (ytd only)* | 50.7407% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 5,241 |
| Loan loss allowance to noncurrent loans | 253.8293% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 2,344 |
| Noncurrent loans to loans | 0.2948% | 4,091 |
| Net loans and leases to total assets | 79.0497% | 1,037 |
| Net loans and leases to deposits | 87.6363% | 1,966 |
| Net loans and leases to core deposits | 99.9188% | 1,631 |
| Total domestic deposits to total assets | 90.2020% | 558 |
| Equity capital to assets | 9.0068% | 4,819 |
| Core capital (leverage) ratio | 8.0583% | 5,587 |
| Tier 1 risk-based capital ratio | 10.4551% | 5,591 |
| Total risk-based capital ratio | 11.2322% | 5,700 |
| Memoranda: | ||
| Average total assets | $196,334,200 | 2,995 |
| Average earning assets | $179,716,400 | 3,020 |
| Average equity | $17,612,200 | 3,473 |
| Average total loans | $152,367,000 | 2,612 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 2,469 |
| Cost of funding earning assets | 0.5851% | 1,456 |
| Net interest margin | 3.6278% | 2,978 |
| Noninterest income to average assets | 1.2984% | 686 |
| Noninterest expense to average assets | 4.0374% | 557 |
| Loan and lease loss provision to assets | 0.1389% | 1,691 |
| Net operating income to assets | 0.4540% | 4,861 |
| Return on assets (ROA) | 0.5191% | 4,727 |
| Pretax return on assets | 0.5191% | 5,080 |
| Return on Equity (ROE) | 5.7922% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.0228% | 3,435 |
| Net charge-offs to loans | 0.1354% | 1,623 |
| Credit loss provision to net charge-offs | 133.1169% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.6818% | 3,096 |
| Efficiency ratio | 84.5895% | 941 |
| Assets per employee ($millions) | 2.9227% | 5,450 |
| Cash dividends to net income (ytd only)* | 30.5480% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 5,321 |
| Loan loss allowance to noncurrent loans | 271.4623% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 2,041 |
| Noncurrent loans to loans | 0.2755% | 4,271 |
| Net loans and leases to total assets | 79.1804% | 1,015 |
| Net loans and leases to deposits | 88.0782% | 2,007 |
| Net loans and leases to core deposits | 97.1820% | 1,893 |
| Total domestic deposits to total assets | 89.8979% | 522 |
| Equity capital to assets | 9.3333% | 4,835 |
| Core capital (leverage) ratio | 8.2550% | 5,535 |
| Tier 1 risk-based capital ratio | 10.6409% | 5,553 |
| Total risk-based capital ratio | 11.4287% | 5,681 |
| Memoranda: | ||
| Average total assets | $196,757,250 | 3,002 |
| Average earning assets | $180,709,000 | 3,019 |
| Average equity | $17,632,500 | 3,490 |
| Average total loans | $151,702,750 | 2,621 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,611 |
| Cost of funding earning assets | 0.5985% | 1,324 |
| Net interest margin | 3.5690% | 3,216 |
| Noninterest income to average assets | 1.2442% | 734 |
| Noninterest expense to average assets | 3.9890% | 600 |
| Loan and lease loss provision to assets | 0.1606% | 1,415 |
| Net operating income to assets | 0.3888% | 5,067 |
| Return on assets (ROA) | 0.4555% | 4,938 |
| Pretax return on assets | 0.4555% | 5,233 |
| Return on Equity (ROE) | 5.1517% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,616 |
| Net charge-offs to loans | 0.1709% | 1,317 |
| Credit loss provision to net charge-offs | 123.2558% | 1,825 |
| Earnings coverage of net charge-offs (x) | 4.2171% | 3,009 |
| Efficiency ratio | 85.2470% | 943 |
| Assets per employee ($millions) | 2.9287% | 5,504 |
| Cash dividends to net income (ytd only)* | 30.5987% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 5,393 |
| Loan loss allowance to noncurrent loans | 356.4669% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 2,288 |
| Noncurrent loans to loans | 0.2114% | 4,595 |
| Net loans and leases to total assets | 76.9757% | 1,341 |
| Net loans and leases to deposits | 86.0611% | 2,251 |
| Net loans and leases to core deposits | 95.9403% | 1,978 |
| Total domestic deposits to total assets | 89.4431% | 710 |
| Equity capital to assets | 9.2376% | 5,035 |
| Core capital (leverage) ratio | 7.8767% | 5,793 |
| Tier 1 risk-based capital ratio | 10.6893% | 5,585 |
| Total risk-based capital ratio | 11.4805% | 5,705 |
| Memoranda: | ||
| Average total assets | $198,043,000 | 2,997 |
| Average earning assets | $182,795,670 | 3,012 |
| Average equity | $17,508,670 | 3,513 |
| Average total loans | $150,973,670 | 2,633 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 2,786 |
| Cost of funding earning assets | 0.5944% | 1,369 |
| Net interest margin | 3.5234% | 3,375 |
| Noninterest income to average assets | 1.2733% | 673 |
| Noninterest expense to average assets | 3.8220% | 749 |
| Loan and lease loss provision to assets | 0.2874% | 566 |
| Net operating income to assets | 0.4171% | 4,939 |
| Return on assets (ROA) | 0.4850% | 4,789 |
| Pretax return on assets | 0.4850% | 5,123 |
| Return on Equity (ROE) | 5.6072% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.8996% | 3,544 |
| Net charge-offs to loans | 0.3802% | 584 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 2.4514% | 2,678 |
| Efficiency ratio | 81.8342% | 1,384 |
| Assets per employee ($millions) | 2.9926% | 5,516 |
| Cash dividends to net income (ytd only)* | 30.4527% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 5,528 |
| Loan loss allowance to noncurrent loans | 441.7671% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 2,371 |
| Noncurrent loans to loans | 0.1667% | 4,827 |
| Net loans and leases to total assets | 75.0892% | 1,537 |
| Net loans and leases to deposits | 84.7894% | 2,219 |
| Net loans and leases to core deposits | 94.8292% | 1,901 |
| Total domestic deposits to total assets | 88.5597% | 1,326 |
| Equity capital to assets | 8.8495% | 5,299 |
| Core capital (leverage) ratio | 7.6934% | 5,877 |
| Tier 1 risk-based capital ratio | 10.3230% | 5,818 |
| Total risk-based capital ratio | 11.0767% | 5,919 |
| Memoranda: | ||
| Average total assets | $200,416,500 | 2,985 |
| Average earning assets | $185,047,500 | 2,996 |
| Average equity | $17,335,000 | 3,537 |
| Average total loans | $151,500,000 | 2,621 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 2,710 |
| Cost of funding earning assets | 0.6100% | 1,314 |
| Net interest margin | 3.5476% | 3,335 |
| Noninterest income to average assets | 1.2553% | 760 |
| Noninterest expense to average assets | 3.8136% | 850 |
| Loan and lease loss provision to assets | 0.1872% | 1,193 |
| Net operating income to assets | 0.5383% | 4,545 |
| Return on assets (ROA) | 0.5452% | 4,611 |
| Pretax return on assets | 0.5452% | 5,001 |
| Return on Equity (ROE) | 6.5237% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.2678% | 3,727 |
| Net charge-offs to loans | 0.1216% | 2,158 |
| Credit loss provision to net charge-offs | 208.2873% | 1,348 |
| Earnings coverage of net charge-offs (x) | 8.0718% | 3,001 |
| Efficiency ratio | 81.4134% | 1,487 |
| Assets per employee ($millions) | 3.0806% | 5,445 |
| Cash dividends to net income (ytd only)* | 49.9089% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 5,605 |
| Loan loss allowance to noncurrent loans | 158.0460% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 3,891 |
| Noncurrent loans to loans | 0.4532% | 3,848 |
| Net loans and leases to total assets | 74.9995% | 1,573 |
| Net loans and leases to deposits | 84.2043% | 2,336 |
| Net loans and leases to core deposits | 95.0478% | 1,935 |
| Total domestic deposits to total assets | 89.0685% | 1,087 |
| Equity capital to assets | 8.4551% | 5,598 |
| Core capital (leverage) ratio | 7.4393% | 5,987 |
| Tier 1 risk-based capital ratio | 9.8720% | 5,979 |
| Total risk-based capital ratio | 10.6038% | 6,057 |
| Memoranda: | ||
| Average total assets | $201,382,800 | 2,937 |
| Average earning assets | $186,406,400 | 2,923 |
| Average equity | $16,831,000 | 3,555 |
| Average total loans | $148,807,800 | 2,611 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 2,767 |
| Cost of funding earning assets | 0.6093% | 1,348 |
| Net interest margin | 3.5371% | 3,397 |
| Noninterest income to average assets | 1.2032% | 836 |
| Noninterest expense to average assets | 3.8247% | 828 |
| Loan and lease loss provision to assets | 0.1613% | 1,332 |
| Net operating income to assets | 0.4958% | 4,803 |
| Return on assets (ROA) | 0.5004% | 4,877 |
| Pretax return on assets | 0.5004% | 5,217 |
| Return on Equity (ROE) | 6.0051% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.5521% | 3,942 |
| Net charge-offs to loans | 0.1319% | 1,815 |
| Credit loss provision to net charge-offs | 166.4384% | 1,552 |
| Earnings coverage of net charge-offs (x) | 6.7809% | 3,003 |
| Efficiency ratio | 82.6299% | 1,312 |
| Assets per employee ($millions) | 3.0161% | 5,532 |
| Cash dividends to net income (ytd only)* | 40.8491% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 5,784 |
| Loan loss allowance to noncurrent loans | 112.7252% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 3,936 |
| Noncurrent loans to loans | 0.5965% | 3,537 |
| Net loans and leases to total assets | 73.1773% | 1,872 |
| Net loans and leases to deposits | 82.0653% | 2,639 |
| Net loans and leases to core deposits | 91.0191% | 2,357 |
| Total domestic deposits to total assets | 89.1696% | 933 |
| Equity capital to assets | 8.3715% | 5,785 |
| Core capital (leverage) ratio | 7.4353% | 6,069 |
| Tier 1 risk-based capital ratio | 10.1595% | 5,996 |
| Total risk-based capital ratio | 10.8526% | 6,098 |
| Memoranda: | ||
| Average total assets | $200,898,500 | 2,960 |
| Average earning assets | $186,213,000 | 2,949 |
| Average equity | $16,741,000 | 3,596 |
| Average total loans | $147,612,500 | 2,636 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 2,819 |
| Cost of funding earning assets | 0.6066% | 1,367 |
| Net interest margin | 3.5157% | 3,435 |
| Noninterest income to average assets | 1.1850% | 865 |
| Noninterest expense to average assets | 3.7934% | 874 |
| Loan and lease loss provision to assets | 0.0349% | 3,422 |
| Net operating income to assets | 0.6174% | 4,264 |
| Return on assets (ROA) | 0.6174% | 4,382 |
| Pretax return on assets | 0.6174% | 4,935 |
| Return on Equity (ROE) | 7.4210% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.8794% | 2,940 |
| Net charge-offs to loans | 0.0149% | 3,413 |
| Credit loss provision to net charge-offs | 318.1818% | 894 |
| Earnings coverage of net charge-offs (x) | 59.4545% | 844 |
| Efficiency ratio | 82.5892% | 1,424 |
| Assets per employee ($millions) | 2.8678% | 5,743 |
| Cash dividends to net income (ytd only)* | 34.2488% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 5,936 |
| Loan loss allowance to noncurrent loans | 154.1528% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 4,663 |
| Noncurrent loans to loans | 0.4052% | 4,266 |
| Net loans and leases to total assets | 74.6068% | 1,568 |
| Net loans and leases to deposits | 84.0834% | 2,301 |
| Net loans and leases to core deposits | 93.6561% | 1,994 |
| Total domestic deposits to total assets | 88.7295% | 1,280 |
| Equity capital to assets | 8.4430% | 5,727 |
| Core capital (leverage) ratio | 7.5023% | 6,097 |
| Tier 1 risk-based capital ratio | 10.3164% | 5,987 |
| Total risk-based capital ratio | 10.9732% | 6,126 |
| Memoranda: | ||
| Average total assets | $200,505,000 | 2,986 |
| Average earning assets | $185,964,330 | 2,977 |
| Average equity | $16,682,330 | 3,612 |
| Average total loans | $147,191,000 | 2,657 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 2,848 |
| Cost of funding earning assets | 0.5979% | 1,450 |
| Net interest margin | 3.4979% | 3,447 |
| Noninterest income to average assets | 1.2665% | 715 |
| Noninterest expense to average assets | 3.7539% | 926 |
| Loan and lease loss provision to assets | 0.0040% | 3,657 |
| Net operating income to assets | 0.7551% | 3,506 |
| Return on assets (ROA) | 0.7551% | 3,648 |
| Pretax return on assets | 0.7551% | 4,407 |
| Return on Equity (ROE) | 9.1422% | 2,386 |
| Retained earnings to average equity (ytd only) | 6.3587% | 2,307 |
| Net charge-offs to loans | 0.0191% | 2,774 |
| Credit loss provision to net charge-offs | 28.5714% | 2,287 |
| Earnings coverage of net charge-offs (x) | 54.7143% | 790 |
| Efficiency ratio | 80.5007% | 1,831 |
| Assets per employee ($millions) | 3.0207% | 5,634 |
| Cash dividends to net income (ytd only)* | 30.4462% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 6,039 |
| Loan loss allowance to noncurrent loans | 166.7904% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 4,851 |
| Noncurrent loans to loans | 0.3700% | 4,481 |
| Net loans and leases to total assets | 73.7419% | 1,543 |
| Net loans and leases to deposits | 82.0979% | 2,329 |
| Net loans and leases to core deposits | 91.1137% | 2,020 |
| Total domestic deposits to total assets | 89.8219% | 830 |
| Equity capital to assets | 8.6150% | 5,648 |
| Core capital (leverage) ratio | 7.2878% | 6,202 |
| Tier 1 risk-based capital ratio | 10.3383% | 6,065 |
| Total risk-based capital ratio | 10.9849% | 6,193 |
| Memoranda: | ||
| Average total assets | $201,817,500 | 2,993 |
| Average earning assets | $187,313,000 | 2,972 |
| Average equity | $16,670,000 | 3,633 |
| Average total loans | $146,506,500 | 2,667 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,624 |
| Cost of funding earning assets | 0.6249% | 1,575 |
| Net interest margin | 3.4000% | 4,203 |
| Noninterest income to average assets | 1.2326% | 795 |
| Noninterest expense to average assets | 3.7317% | 1,094 |
| Loan and lease loss provision to assets | 0.1105% | 2,320 |
| Net operating income to assets | 0.5253% | 4,706 |
| Return on assets (ROA) | 0.4852% | 4,957 |
| Pretax return on assets | 0.4852% | 5,286 |
| Return on Equity (ROE) | 5.9724% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.7331% | 4,296 |
| Net charge-offs to loans | 0.2658% | 1,621 |
| Credit loss provision to net charge-offs | 60.3933% | 3,278 |
| Earnings coverage of net charge-offs (x) | 3.4747% | 3,883 |
| Efficiency ratio | 84.7593% | 1,315 |
| Assets per employee ($millions) | 3.2389% | 5,374 |
| Cash dividends to net income (ytd only)* | 54.2373% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 6,126 |
| Loan loss allowance to noncurrent loans | 147.4715% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 4,807 |
| Noncurrent loans to loans | 0.4161% | 4,395 |
| Net loans and leases to total assets | 70.6361% | 2,136 |
| Net loans and leases to deposits | 77.9401% | 2,982 |
| Net loans and leases to core deposits | 88.8807% | 2,399 |
| Total domestic deposits to total assets | 90.6287% | 485 |
| Equity capital to assets | 7.9236% | 6,097 |
| Core capital (leverage) ratio | 6.9775% | 6,317 |
| Tier 1 risk-based capital ratio | 9.5216% | 6,346 |
| Total risk-based capital ratio | 10.1343% | 6,408 |
| Memoranda: | ||
| Average total assets | $194,551,000 | 3,055 |
| Average earning assets | $179,381,000 | 3,054 |
| Average equity | $15,806,000 | 3,707 |
| Average total loans | $133,939,600 | 2,793 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,710 |
| Cost of funding earning assets | 0.6263% | 1,628 |
| Net interest margin | 3.3854% | 4,294 |
| Noninterest income to average assets | 1.1956% | 839 |
| Noninterest expense to average assets | 3.6585% | 1,200 |
| Loan and lease loss provision to assets | 0.0418% | 3,562 |
| Net operating income to assets | 0.6096% | 4,404 |
| Return on assets (ROA) | 0.5518% | 4,746 |
| Pretax return on assets | 0.5518% | 5,182 |
| Return on Equity (ROE) | 6.7469% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.8387% | 3,190 |
| Net charge-offs to loans | 0.0980% | 2,825 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | 9.7394% | 2,633 |
| Efficiency ratio | 84.1901% | 1,368 |
| Assets per employee ($millions) | 3.0760% | 5,636 |
| Cash dividends to net income (ytd only)* | 28.2830% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 6,028 |
| Loan loss allowance to noncurrent loans | 99.5069% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 4,359 |
| Noncurrent loans to loans | 0.7396% | 3,759 |
| Net loans and leases to total assets | 68.0639% | 2,528 |
| Net loans and leases to deposits | 75.3050% | 3,276 |
| Net loans and leases to core deposits | 81.7126% | 3,127 |
| Total domestic deposits to total assets | 90.3843% | 577 |
| Equity capital to assets | 8.1653% | 6,031 |
| Core capital (leverage) ratio | 7.2777% | 6,335 |
| Tier 1 risk-based capital ratio | 10.3059% | 6,261 |
| Total risk-based capital ratio | 11.0389% | 6,361 |
| Memoranda: | ||
| Average total assets | $191,365,750 | 3,117 |
| Average earning assets | $176,045,750 | 3,114 |
| Average equity | $15,651,250 | 3,743 |
| Average total loans | $130,592,750 | 2,866 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,853 |
| Cost of funding earning assets | 0.6225% | 1,711 |
| Net interest margin | 3.3475% | 4,420 |
| Noninterest income to average assets | 1.1533% | 880 |
| Noninterest expense to average assets | 3.7240% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4987% | 4,813 |
| Return on assets (ROA) | 0.4095% | 5,262 |
| Pretax return on assets | 0.4095% | 5,530 |
| Return on Equity (ROE) | 5.0044% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.3449% | 4,073 |
| Net charge-offs to loans | 0.0405% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.0769% | 1,702 |
| Efficiency ratio | 87.4874% | 1,131 |
| Assets per employee ($millions) | 2.9698% | 5,795 |
| Cash dividends to net income (ytd only)* | 33.1606% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 6,032 |
| Loan loss allowance to noncurrent loans | 69.5089% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 3,692 |
| Noncurrent loans to loans | 1.1175% | 2,985 |
| Net loans and leases to total assets | 67.4322% | 2,511 |
| Net loans and leases to deposits | 75.4276% | 3,136 |
| Net loans and leases to core deposits | 81.0116% | 3,097 |
| Total domestic deposits to total assets | 89.3998% | 1,155 |
| Equity capital to assets | 8.2737% | 5,966 |
| Core capital (leverage) ratio | 7.3186% | 6,367 |
| Tier 1 risk-based capital ratio | 10.6362% | 6,207 |
| Total risk-based capital ratio | 11.4190% | 6,305 |
| Memoranda: | ||
| Average total assets | $188,506,670 | 3,170 |
| Average earning assets | $172,845,330 | 3,160 |
| Average equity | $15,426,330 | 3,784 |
| Average total loans | $128,424,330 | 2,892 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,908 |
| Cost of funding earning assets | 0.6074% | 1,918 |
| Net interest margin | 3.3386% | 4,383 |
| Noninterest income to average assets | 1.1834% | 795 |
| Noninterest expense to average assets | 3.6168% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6121% | 4,145 |
| Return on assets (ROA) | 0.4317% | 5,067 |
| Pretax return on assets | 0.4317% | 5,357 |
| Return on Equity (ROE) | 5.3055% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,961 |
| Net charge-offs to loans | 0.0189% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 781 |
| Efficiency ratio | 84.8146% | 1,575 |
| Assets per employee ($millions) | 2.9542% | 5,907 |
| Cash dividends to net income (ytd only)* | 31.8408% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 6,057 |
| Loan loss allowance to noncurrent loans | 76.1730% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 3,901 |
| Noncurrent loans to loans | 1.0760% | 3,269 |
| Net loans and leases to total assets | 65.4734% | 2,642 |
| Net loans and leases to deposits | 73.2759% | 3,157 |
| Net loans and leases to core deposits | 77.3556% | 3,269 |
| Total domestic deposits to total assets | 89.3520% | 1,447 |
| Equity capital to assets | 8.0484% | 6,022 |
| Core capital (leverage) ratio | 7.7090% | 6,265 |
| Tier 1 risk-based capital ratio | 10.7543% | 6,257 |
| Total risk-based capital ratio | 11.5692% | 6,347 |
| Memoranda: | ||
| Average total assets | $186,243,000 | 3,217 |
| Average earning assets | $169,894,000 | 3,223 |
| Average equity | $15,154,000 | 3,838 |
| Average total loans | $127,043,500 | 2,922 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 3,026 |
| Cost of funding earning assets | 0.6016% | 2,639 |
| Net interest margin | 3.6813% | 3,129 |
| Noninterest income to average assets | 1.3816% | 737 |
| Noninterest expense to average assets | 4.0381% | 839 |
| Loan and lease loss provision to assets | 0.0606% | 3,926 |
| Net operating income to assets | 0.6453% | 4,049 |
| Return on assets (ROA) | 0.6920% | 3,928 |
| Pretax return on assets | 0.6920% | 4,572 |
| Return on Equity (ROE) | 7.3164% | 3,397 |
| Retained earnings to average equity (ytd only) | 1.9750% | 4,827 |
| Net charge-offs to loans | 0.0183% | 5,079 |
| Credit loss provision to net charge-offs | 476.1905% | 485 |
| Earnings coverage of net charge-offs (x) | 55.4286% | 732 |
| Efficiency ratio | 84.3902% | 1,586 |
| Assets per employee ($millions) | 3.1660% | 5,557 |
| Cash dividends to net income (ytd only)* | 73.0061% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 6,125 |
| Loan loss allowance to noncurrent loans | 70.2285% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 3,746 |
| Noncurrent loans to loans | 1.1687% | 3,197 |
| Net loans and leases to total assets | 69.9751% | 2,014 |
| Net loans and leases to deposits | 79.0927% | 2,575 |
| Net loans and leases to core deposits | 86.9227% | 2,359 |
| Total domestic deposits to total assets | 88.4722% | 1,917 |
| Equity capital to assets | 8.2306% | 5,841 |
| Core capital (leverage) ratio | 8.0079% | 6,125 |
| Tier 1 risk-based capital ratio | 10.7743% | 6,273 |
| Total risk-based capital ratio | 11.6046% | 6,373 |
| Memoranda: | ||
| Average total assets | $164,880,800 | 3,491 |
| Average earning assets | $150,600,600 | 3,488 |
| Average equity | $15,595,200 | 3,767 |
| Average total loans | $114,997,000 | 3,150 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,897 |
| Cost of funding earning assets | 0.6076% | 2,752 |
| Net interest margin | 3.7151% | 2,972 |
| Noninterest income to average assets | 1.3972% | 747 |
| Noninterest expense to average assets | 3.9323% | 928 |
| Loan and lease loss provision to assets | 0.0828% | 3,412 |
| Net operating income to assets | 0.7802% | 3,459 |
| Return on assets (ROA) | 0.8431% | 3,254 |
| Pretax return on assets | 0.8431% | 4,128 |
| Return on Equity (ROE) | 8.6010% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.3482% | 2,833 |
| Net charge-offs to loans | 0.0131% | 4,875 |
| Credit loss provision to net charge-offs | 909.0909% | 334 |
| Earnings coverage of net charge-offs (x) | 94.7035% | 516 |
| Efficiency ratio | 81.2608% | 1,940 |
| Assets per employee ($millions) | 2.9575% | 5,914 |
| Cash dividends to net income (ytd only)* | 37.8192% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 6,105 |
| Loan loss allowance to noncurrent loans | 78.0325% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 3,945 |
| Noncurrent loans to loans | 1.1292% | 3,545 |
| Net loans and leases to total assets | 72.9591% | 1,459 |
| Net loans and leases to deposits | 84.6863% | 1,778 |
| Net loans and leases to core deposits | 88.2586% | 2,158 |
| Total domestic deposits to total assets | 86.1522% | 3,165 |
| Equity capital to assets | 9.3292% | 4,765 |
| Core capital (leverage) ratio | 8.8007% | 5,413 |
| Tier 1 risk-based capital ratio | 11.9227% | 5,822 |
| Total risk-based capital ratio | 12.8295% | 5,987 |
| Memoranda: | ||
| Average total assets | $160,986,000 | 3,582 |
| Average earning assets | $147,252,000 | 3,587 |
| Average equity | $15,780,750 | 3,778 |
| Average total loans | $111,915,750 | 3,229 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,943 |
| Cost of funding earning assets | 0.6044% | 2,898 |
| Net interest margin | 3.6985% | 2,963 |
| Noninterest income to average assets | 1.2467% | 1,001 |
| Noninterest expense to average assets | 3.7961% | 1,099 |
| Loan and lease loss provision to assets | 0.1247% | 2,764 |
| Net operating income to assets | 0.7056% | 3,777 |
| Return on assets (ROA) | 0.7655% | 3,646 |
| Pretax return on assets | 0.7655% | 4,446 |
| Return on Equity (ROE) | 7.6833% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.4673% | 3,419 |
| Net charge-offs to loans | 0.0293% | 4,279 |
| Credit loss provision to net charge-offs | 625.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 41.6250% | 904 |
| Efficiency ratio | 81.2988% | 1,993 |
| Assets per employee ($millions) | 2.8295% | 6,120 |
| Cash dividends to net income (ytd only)* | 41.8567% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,985 |
| Loan loss allowance to noncurrent loans | 87.9397% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 4,216 |
| Noncurrent loans to loans | 1.0825% | 3,769 |
| Net loans and leases to total assets | 70.2002% | 1,852 |
| Net loans and leases to deposits | 80.1257% | 2,302 |
| Net loans and leases to core deposits | 83.6375% | 2,608 |
| Total domestic deposits to total assets | 87.6125% | 2,488 |
| Equity capital to assets | 9.8506% | 4,126 |
| Core capital (leverage) ratio | 8.6766% | 5,452 |
| Tier 1 risk-based capital ratio | 12.7453% | 5,329 |
| Total risk-based capital ratio | 13.7307% | 5,457 |
| Memoranda: | ||
| Average total assets | $160,427,670 | 3,601 |
| Average earning assets | $146,600,330 | 3,620 |
| Average equity | $15,982,670 | 3,773 |
| Average total loans | $109,310,670 | 3,286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 3,352 |
| Cost of funding earning assets | 0.6001% | 3,105 |
| Net interest margin | 3.5873% | 3,310 |
| Noninterest income to average assets | 1.1865% | 1,066 |
| Noninterest expense to average assets | 3.7438% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7173% | 3,609 |
| Return on assets (ROA) | 0.7173% | 3,745 |
| Pretax return on assets | 0.7173% | 4,502 |
| Return on Equity (ROE) | 7.1617% | 3,399 |
| Retained earnings to average equity (ytd only) | 4.0223% | 3,817 |
| Net charge-offs to loans | 0.0698% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.3684% | 1,405 |
| Efficiency ratio | 83.1498% | 1,878 |
| Assets per employee ($millions) | 3.1623% | 5,710 |
| Cash dividends to net income (ytd only)* | 43.8356% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,304 |
| Loan loss allowance to noncurrent loans | 77.1801% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 4,420 |
| Noncurrent loans to loans | 1.1427% | 3,873 |
| Net loans and leases to total assets | 64.7214% | 2,579 |
| Net loans and leases to deposits | 74.0530% | 2,916 |
| Net loans and leases to core deposits | 77.2990% | 3,160 |
| Total domestic deposits to total assets | 87.3988% | 2,692 |
| Equity capital to assets | 9.8974% | 4,280 |
| Core capital (leverage) ratio | 8.4035% | 5,705 |
| Tier 1 risk-based capital ratio | 12.6122% | 5,512 |
| Total risk-based capital ratio | 13.5053% | 5,707 |
| Memoranda: | ||
| Average total assets | $162,829,000 | 3,603 |
| Average earning assets | $148,635,000 | 3,617 |
| Average equity | $16,309,000 | 3,773 |
| Average total loans | $108,816,500 | 3,315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 3,543 |
| Cost of funding earning assets | 0.7415% | 3,146 |
| Net interest margin | 3.7251% | 3,542 |
| Noninterest income to average assets | 1.2648% | 976 |
| Noninterest expense to average assets | 3.6357% | 1,533 |
| Loan and lease loss provision to assets | 0.0764% | 4,763 |
| Net operating income to assets | 0.9397% | 2,602 |
| Return on assets (ROA) | 1.0964% | 2,132 |
| Pretax return on assets | 1.0964% | 3,170 |
| Return on Equity (ROE) | 10.3532% | 2,022 |
| Retained earnings to average equity (ytd only) | 4.0911% | 3,336 |
| Net charge-offs to loans | 0.0767% | 4,908 |
| Credit loss provision to net charge-offs | 153.2468% | 1,770 |
| Earnings coverage of net charge-offs (x) | 20.3766% | 1,358 |
| Efficiency ratio | 78.1568% | 2,425 |
| Assets per employee ($millions) | 3.2244% | 5,571 |
| Cash dividends to net income (ytd only)* | 60.4843% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,327 |
| Loan loss allowance to noncurrent loans | 75.4688% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 4,479 |
| Noncurrent loans to loans | 1.1609% | 3,910 |
| Net loans and leases to total assets | 67.7914% | 2,215 |
| Net loans and leases to deposits | 77.7993% | 2,563 |
| Net loans and leases to core deposits | 80.3638% | 2,960 |
| Total domestic deposits to total assets | 87.1363% | 2,756 |
| Equity capital to assets | 10.1370% | 3,988 |
| Core capital (leverage) ratio | 8.4631% | 5,674 |
| Tier 1 risk-based capital ratio | 12.3259% | 5,583 |
| Total risk-based capital ratio | 13.2282% | 5,757 |
| Memoranda: | ||
| Average total assets | $154,412,800 | 3,709 |
| Average earning assets | $140,397,200 | 3,720 |
| Average equity | $16,352,400 | 3,733 |
| Average total loans | $100,429,400 | 3,511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 3,728 |
| Cost of funding earning assets | 0.7605% | 3,268 |
| Net interest margin | 3.7173% | 3,719 |
| Noninterest income to average assets | 1.2075% | 1,033 |
| Noninterest expense to average assets | 3.4103% | 1,977 |
| Loan and lease loss provision to assets | 0.0637% | 4,915 |
| Net operating income to assets | 1.1219% | 2,018 |
| Return on assets (ROA) | 1.2188% | 1,846 |
| Pretax return on assets | 1.2188% | 2,920 |
| Return on Equity (ROE) | 11.3807% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.8670% | 1,675 |
| Net charge-offs to loans | 0.0422% | 5,061 |
| Credit loss provision to net charge-offs | 235.4839% | 1,177 |
| Earnings coverage of net charge-offs (x) | 43.8089% | 824 |
| Efficiency ratio | 74.2021% | 2,953 |
| Assets per employee ($millions) | 3.9022% | 4,083 |
| Cash dividends to net income (ytd only)* | 30.8737% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 6,282 |
| Loan loss allowance to noncurrent loans | 194.9597% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 5,900 |
| Noncurrent loans to loans | 0.4795% | 5,493 |
| Net loans and leases to total assets | 65.6474% | 2,719 |
| Net loans and leases to deposits | 76.1050% | 2,969 |
| Net loans and leases to core deposits | 78.7202% | 3,361 |
| Total domestic deposits to total assets | 86.2589% | 3,115 |
| Equity capital to assets | 10.9439% | 3,335 |
| Core capital (leverage) ratio | 9.3569% | 4,494 |
| Tier 1 risk-based capital ratio | 14.2893% | 4,338 |
| Total risk-based capital ratio | 15.2633% | 4,466 |
| Memoranda: | ||
| Average total assets | $152,710,750 | 3,775 |
| Average earning assets | $139,200,000 | 3,775 |
| Average equity | $16,354,750 | 3,763 |
| Average total loans | $97,971,750 | 3,612 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 3,894 |
| Cost of funding earning assets | 0.7768% | 3,387 |
| Net interest margin | 3.6950% | 3,848 |
| Noninterest income to average assets | 1.0779% | 1,230 |
| Noninterest expense to average assets | 3.2958% | 2,318 |
| Loan and lease loss provision to assets | 0.0699% | 4,756 |
| Net operating income to assets | 1.0634% | 2,191 |
| Return on assets (ROA) | 1.2033% | 1,901 |
| Pretax return on assets | 1.2033% | 2,913 |
| Return on Equity (ROE) | 11.3205% | 1,871 |
| Retained earnings to average equity (ytd only) | 7.7580% | 1,735 |
| Net charge-offs to loans | 0.0520% | 4,680 |
| Credit loss provision to net charge-offs | 212.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 34.3600% | 980 |
| Efficiency ratio | 74.4117% | 3,008 |
| Assets per employee ($millions) | 3.7905% | 4,338 |
| Cash dividends to net income (ytd only)* | 31.4693% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,276 |
| Loan loss allowance to noncurrent loans | 337.9433% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,113 |
| Noncurrent loans to loans | 0.2860% | 5,995 |
| Net loans and leases to total assets | 64.3974% | 2,954 |
| Net loans and leases to deposits | 75.1164% | 3,108 |
| Net loans and leases to core deposits | 77.6214% | 3,572 |
| Total domestic deposits to total assets | 85.7302% | 3,497 |
| Equity capital to assets | 10.8699% | 3,264 |
| Core capital (leverage) ratio | 9.3856% | 4,318 |
| Tier 1 risk-based capital ratio | 14.3770% | 4,191 |
| Total risk-based capital ratio | 15.3559% | 4,333 |
| Memoranda: | ||
| Average total assets | $151,585,330 | 3,814 |
| Average earning assets | $137,482,000 | 3,821 |
| Average equity | $16,112,330 | 3,789 |
| Average total loans | $96,151,000 | 3,664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 3,819 |
| Cost of funding earning assets | 0.8029% | 3,455 |
| Net interest margin | 3.7222% | 3,723 |
| Noninterest income to average assets | 1.0741% | 1,254 |
| Noninterest expense to average assets | 3.4018% | 2,003 |
| Loan and lease loss provision to assets | 0.0739% | 4,477 |
| Net operating income to assets | 0.9263% | 2,807 |
| Return on assets (ROA) | 0.9263% | 3,011 |
| Pretax return on assets | 0.9263% | 3,944 |
| Return on Equity (ROE) | 8.8147% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.1984% | 3,438 |
| Net charge-offs to loans | 0.1138% | 3,435 |
| Credit loss provision to net charge-offs | 103.7037% | 2,230 |
| Earnings coverage of net charge-offs (x) | 14.0370% | 1,494 |
| Efficiency ratio | 77.2782% | 2,606 |
| Assets per employee ($millions) | 3.9043% | 4,191 |
| Cash dividends to net income (ytd only)* | 41.0256% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,251 |
| Loan loss allowance to noncurrent loans | 74.2582% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 4,697 |
| Noncurrent loans to loans | 1.3461% | 4,095 |
| Net loans and leases to total assets | 60.2296% | 3,617 |
| Net loans and leases to deposits | 70.3009% | 3,688 |
| Net loans and leases to core deposits | 72.3855% | 4,088 |
| Total domestic deposits to total assets | 85.6740% | 3,699 |
| Equity capital to assets | 10.4335% | 3,577 |
| Core capital (leverage) ratio | 9.1721% | 4,565 |
| Tier 1 risk-based capital ratio | 14.6143% | 4,010 |
| Total risk-based capital ratio | 15.6108% | 4,175 |
| Memoranda: | ||
| Average total assets | $151,567,500 | 3,842 |
| Average earning assets | $135,509,500 | 3,894 |
| Average equity | $15,928,000 | 3,827 |
| Average total loans | $94,930,000 | 3,711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 3,139 |
| Cost of funding earning assets | 0.9958% | 3,411 |
| Net interest margin | 3.9476% | 3,121 |
| Noninterest income to average assets | 1.2403% | 846 |
| Noninterest expense to average assets | 3.5580% | 1,839 |
| Loan and lease loss provision to assets | 0.1937% | 4,244 |
| Net operating income to assets | 1.0452% | 2,024 |
| Return on assets (ROA) | 1.1431% | 1,802 |
| Pretax return on assets | 1.1431% | 2,683 |
| Return on Equity (ROE) | 10.2641% | 1,966 |
| Retained earnings to average equity (ytd only) | 4.1210% | 3,250 |
| Net charge-offs to loans | 0.2197% | 4,413 |
| Credit loss provision to net charge-offs | 134.8259% | 2,234 |
| Earnings coverage of net charge-offs (x) | 8.6219% | 2,116 |
| Efficiency ratio | 74.1729% | 3,207 |
| Assets per employee ($millions) | 4.0775% | 3,699 |
| Cash dividends to net income (ytd only)* | 59.8499% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 6,392 |
| Loan loss allowance to noncurrent loans | 137.4443% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 5,523 |
| Noncurrent loans to loans | 0.6922% | 5,317 |
| Net loans and leases to total assets | 63.8302% | 3,228 |
| Net loans and leases to deposits | 74.6265% | 3,397 |
| Net loans and leases to core deposits | 76.6021% | 3,889 |
| Total domestic deposits to total assets | 85.5329% | 3,575 |
| Equity capital to assets | 10.5849% | 3,435 |
| Core capital (leverage) ratio | 9.2913% | 4,346 |
| Tier 1 risk-based capital ratio | 13.7524% | 4,517 |
| Total risk-based capital ratio | 14.7037% | 4,697 |
| Memoranda: | ||
| Average total assets | $139,882,800 | 3,978 |
| Average earning assets | $126,025,200 | 4,012 |
| Average equity | $15,578,600 | 3,795 |
| Average total loans | $91,505,200 | 3,819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 3,253 |
| Cost of funding earning assets | 1.0458% | 3,350 |
| Net interest margin | 3.9229% | 3,259 |
| Noninterest income to average assets | 1.2036% | 908 |
| Noninterest expense to average assets | 3.4738% | 2,006 |
| Loan and lease loss provision to assets | 0.1974% | 4,049 |
| Net operating income to assets | 1.1103% | 1,931 |
| Return on assets (ROA) | 1.2231% | 1,702 |
| Pretax return on assets | 1.2231% | 2,549 |
| Return on Equity (ROE) | 10.8345% | 1,920 |
| Retained earnings to average equity (ytd only) | 7.5359% | 1,696 |
| Net charge-offs to loans | 0.0858% | 5,109 |
| Credit loss provision to net charge-offs | 350.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 23.1901% | 1,123 |
| Efficiency ratio | 72.6515% | 3,428 |
| Assets per employee ($millions) | 3.9214% | 4,027 |
| Cash dividends to net income (ytd only)* | 30.4449% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,964 |
| Loan loss allowance to noncurrent loans | 125.6281% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 5,420 |
| Noncurrent loans to loans | 0.8588% | 5,145 |
| Net loans and leases to total assets | 64.9470% | 3,120 |
| Net loans and leases to deposits | 76.9826% | 3,170 |
| Net loans and leases to core deposits | 79.3078% | 3,733 |
| Total domestic deposits to total assets | 84.3659% | 4,072 |
| Equity capital to assets | 11.5257% | 2,656 |
| Core capital (leverage) ratio | 9.9325% | 3,526 |
| Tier 1 risk-based capital ratio | 15.2490% | 3,520 |
| Total risk-based capital ratio | 16.3697% | 3,567 |
| Memoranda: | ||
| Average total assets | $137,137,000 | 4,057 |
| Average earning assets | $125,073,000 | 4,064 |
| Average equity | $15,481,000 | 3,827 |
| Average total loans | $90,075,750 | 3,890 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 3,577 |
| Cost of funding earning assets | 1.0716% | 3,462 |
| Net interest margin | 3.8373% | 3,605 |
| Noninterest income to average assets | 1.0766% | 1,123 |
| Noninterest expense to average assets | 3.3595% | 2,372 |
| Loan and lease loss provision to assets | 0.2533% | 3,376 |
| Net operating income to assets | 0.9868% | 2,279 |
| Return on assets (ROA) | 1.1341% | 1,851 |
| Pretax return on assets | 1.1341% | 2,716 |
| Return on Equity (ROE) | 10.1198% | 2,084 |
| Retained earnings to average equity (ytd only) | 6.7684% | 1,984 |
| Net charge-offs to loans | 0.0561% | 5,088 |
| Credit loss provision to net charge-offs | 688.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 33.6800% | 851 |
| Efficiency ratio | 73.0387% | 3,535 |
| Assets per employee ($millions) | 3.6421% | 4,583 |
| Cash dividends to net income (ytd only)* | 33.1169% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 6,071 |
| Loan loss allowance to noncurrent loans | 108.6768% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 5,199 |
| Noncurrent loans to loans | 0.9823% | 5,019 |
| Net loans and leases to total assets | 67.0968% | 2,804 |
| Net loans and leases to deposits | 80.2097% | 2,752 |
| Net loans and leases to core deposits | 82.6969% | 3,404 |
| Total domestic deposits to total assets | 83.6517% | 4,487 |
| Equity capital to assets | 11.2782% | 2,700 |
| Core capital (leverage) ratio | 9.6683% | 3,705 |
| Tier 1 risk-based capital ratio | 15.1816% | 3,404 |
| Total risk-based capital ratio | 16.3301% | 3,420 |
| Memoranda: | ||
| Average total assets | $135,792,000 | 4,113 |
| Average earning assets | $124,671,330 | 4,103 |
| Average equity | $15,217,670 | 3,872 |
| Average total loans | $89,205,330 | 3,960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 3,823 |
| Cost of funding earning assets | 1.1243% | 3,338 |
| Net interest margin | 3.7249% | 3,975 |
| Noninterest income to average assets | 0.9964% | 1,339 |
| Noninterest expense to average assets | 3.2568% | 2,688 |
| Loan and lease loss provision to assets | 0.1219% | 4,486 |
| Net operating income to assets | 1.0172% | 2,121 |
| Return on assets (ROA) | 1.2581% | 1,422 |
| Pretax return on assets | 1.2581% | 2,167 |
| Return on Equity (ROE) | 11.2635% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.8551% | 1,792 |
| Net charge-offs to loans | 0.1059% | 3,898 |
| Credit loss provision to net charge-offs | 178.2609% | 1,643 |
| Earnings coverage of net charge-offs (x) | 16.6522% | 1,256 |
| Efficiency ratio | 74.0866% | 3,497 |
| Assets per employee ($millions) | 3.7340% | 4,463 |
| Cash dividends to net income (ytd only)* | 30.2600% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,324 |
| Loan loss allowance to noncurrent loans | 95.8288% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 5,241 |
| Noncurrent loans to loans | 1.0617% | 4,932 |
| Net loans and leases to total assets | 61.4748% | 3,968 |
| Net loans and leases to deposits | 70.6786% | 4,239 |
| Net loans and leases to core deposits | 72.6159% | 4,710 |
| Total domestic deposits to total assets | 86.9780% | 2,952 |
| Equity capital to assets | 10.9504% | 2,734 |
| Core capital (leverage) ratio | 9.6892% | 3,541 |
| Tier 1 risk-based capital ratio | 16.0050% | 2,899 |
| Total risk-based capital ratio | 17.0777% | 2,951 |
| Memoranda: | ||
| Average total assets | $134,488,000 | 4,162 |
| Average earning assets | $122,741,500 | 4,166 |
| Average equity | $15,022,000 | 3,898 |
| Average total loans | $86,876,000 | 4,051 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 4,600 |
| Cost of funding earning assets | 1.3286% | 3,694 |
| Net interest margin | 3.6631% | 4,523 |
| Noninterest income to average assets | 0.8637% | 1,999 |
| Noninterest expense to average assets | 3.5107% | 2,144 |
| Loan and lease loss provision to assets | 0.1238% | 5,923 |
| Net operating income to assets | 0.5229% | 3,990 |
| Return on assets (ROA) | 0.6578% | 3,544 |
| Pretax return on assets | 0.6586% | 4,134 |
| Return on Equity (ROE) | 5.5963% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.1674% | 4,375 |
| Net charge-offs to loans | 0.1708% | 5,303 |
| Credit loss provision to net charge-offs | 119.8473% | 3,528 |
| Earnings coverage of net charge-offs (x) | 6.2672% | 2,396 |
| Efficiency ratio | 84.4272% | 1,876 |
| Assets per employee ($millions) | 3.4426% | 5,079 |
| Cash dividends to net income (ytd only)* | 61.2710% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 6,480 |
| Loan loss allowance to noncurrent loans | 98.0505% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 5,307 |
| Noncurrent loans to loans | 0.9915% | 5,078 |
| Net loans and leases to total assets | 66.5747% | 3,336 |
| Net loans and leases to deposits | 77.7779% | 3,547 |
| Net loans and leases to core deposits | 80.5593% | 4,125 |
| Total domestic deposits to total assets | 85.5959% | 3,556 |
| Equity capital to assets | 11.4014% | 2,340 |
| Core capital (leverage) ratio | 10.1437% | 2,934 |
| Tier 1 risk-based capital ratio | 14.4285% | 3,600 |
| Total risk-based capital ratio | 15.3975% | 3,730 |
| Memoranda: | ||
| Average total assets | $126,784,600 | 4,337 |
| Average earning assets | $114,028,400 | 4,376 |
| Average equity | $14,902,600 | 3,957 |
| Average total loans | $76,707,000 | 4,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 4,928 |
| Cost of funding earning assets | 1.3754% | 3,740 |
| Net interest margin | 3.5991% | 4,880 |
| Noninterest income to average assets | 1.3675% | 724 |
| Noninterest expense to average assets | 3.9476% | 1,122 |
| Loan and lease loss provision to assets | 0.0562% | 6,508 |
| Net operating income to assets | 0.5926% | 3,908 |
| Return on assets (ROA) | 0.5947% | 4,053 |
| Pretax return on assets | 0.5947% | 4,613 |
| Return on Equity (ROE) | 5.0202% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.0157% | 4,325 |
| Net charge-offs to loans | 0.1209% | 5,340 |
| Credit loss provision to net charge-offs | 79.1045% | 5,166 |
| Earnings coverage of net charge-offs (x) | 9.1344% | 2,059 |
| Efficiency ratio | 85.8856% | 1,644 |
| Assets per employee ($millions) | 3.8074% | 4,247 |
| Cash dividends to net income (ytd only)* | 39.9289% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 6,459 |
| Loan loss allowance to noncurrent loans | 78.1400% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1262% | 4,863 |
| Noncurrent loans to loans | 1.2616% | 4,744 |
| Net loans and leases to total assets | 65.1489% | 3,879 |
| Net loans and leases to deposits | 77.3655% | 3,941 |
| Net loans and leases to core deposits | 80.2351% | 4,485 |
| Total domestic deposits to total assets | 84.2092% | 4,003 |
| Equity capital to assets | 12.0755% | 2,110 |
| Core capital (leverage) ratio | 10.3802% | 2,823 |
| Tier 1 risk-based capital ratio | 14.7244% | 3,377 |
| Total risk-based capital ratio | 15.6659% | 3,532 |
| Memoranda: | ||
| Average total assets | $125,776,500 | 4,423 |
| Average earning assets | $112,838,750 | 4,460 |
| Average equity | $14,899,500 | 4,012 |
| Average total loans | $73,897,250 | 4,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 5,503 |
| Cost of funding earning assets | 1.4167% | 3,771 |
| Net interest margin | 3.4587% | 5,409 |
| Noninterest income to average assets | 0.3481% | 5,366 |
| Noninterest expense to average assets | 3.3572% | 2,381 |
| Loan and lease loss provision to assets | 0.0556% | 6,401 |
| Net operating income to assets | 0.0472% | 5,999 |
| Return on assets (ROA) | 0.1558% | 5,822 |
| Pretax return on assets | 0.1574% | 5,870 |
| Return on Equity (ROE) | 1.3235% | 5,861 |
| Retained earnings to average equity (ytd only) | -0.8373% | 5,934 |
| Net charge-offs to loans | 0.1944% | 4,446 |
| Credit loss provision to net charge-offs | 50.7246% | 5,401 |
| Earnings coverage of net charge-offs (x) | 0.9420% | 4,836 |
| Efficiency ratio | 97.0142% | 917 |
| Assets per employee ($millions) | 3.0597% | 6,014 |
| Cash dividends to net income (ytd only)* | 163.2653% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,177 |
| Loan loss allowance to noncurrent loans | 79.5000% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 4,615 |
| Noncurrent loans to loans | 1.3221% | 4,742 |
| Net loans and leases to total assets | 59.6590% | 5,131 |
| Net loans and leases to deposits | 69.6947% | 5,326 |
| Net loans and leases to core deposits | 72.0013% | 5,668 |
| Total domestic deposits to total assets | 85.6004% | 3,316 |
| Equity capital to assets | 11.7220% | 2,264 |
| Core capital (leverage) ratio | 10.0539% | 3,113 |
| Tier 1 risk-based capital ratio | 15.1449% | 3,084 |
| Total risk-based capital ratio | 16.1202% | 3,195 |
| Memoranda: | ||
| Average total assets | $125,821,000 | 4,452 |
| Average earning assets | $113,223,000 | 4,471 |
| Average equity | $14,808,670 | 4,028 |
| Average total loans | $70,973,000 | 4,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 5,753 |
| Cost of funding earning assets | 1.4615% | 3,797 |
| Net interest margin | 3.3723% | 5,697 |
| Noninterest income to average assets | 1.1682% | 898 |
| Noninterest expense to average assets | 3.0443% | 3,499 |
| Loan and lease loss provision to assets | 0.0508% | 6,154 |
| Net operating income to assets | 1.0952% | 1,842 |
| Return on assets (ROA) | 1.0349% | 2,115 |
| Pretax return on assets | 1.0380% | 2,940 |
| Return on Equity (ROE) | 8.7749% | 2,570 |
| Retained earnings to average equity (ytd only) | 6.1909% | 2,528 |
| Net charge-offs to loans | 0.4778% | 2,625 |
| Credit loss provision to net charge-offs | 19.5122% | 4,952 |
| Earnings coverage of net charge-offs (x) | 4.4146% | 2,630 |
| Efficiency ratio | 72.5965% | 3,824 |
| Assets per employee ($millions) | 3.1345% | 5,913 |
| Cash dividends to net income (ytd only)* | 29.4479% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,962 |
| Loan loss allowance to noncurrent loans | 66.5794% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9062% | 3,626 |
| Noncurrent loans to loans | 1.6675% | 4,246 |
| Net loans and leases to total assets | 54.2073% | 6,004 |
| Net loans and leases to deposits | 64.4997% | 6,004 |
| Net loans and leases to core deposits | 66.5309% | 6,246 |
| Total domestic deposits to total assets | 84.0427% | 4,126 |
| Equity capital to assets | 11.8849% | 2,114 |
| Core capital (leverage) ratio | 10.2035% | 2,927 |
| Tier 1 risk-based capital ratio | 16.1234% | 2,605 |
| Total risk-based capital ratio | 17.0968% | 2,653 |
| Memoranda: | ||
| Average total assets | $126,007,500 | 4,500 |
| Average earning assets | $113,038,000 | 4,539 |
| Average equity | $14,860,500 | 4,045 |
| Average total loans | $68,641,500 | 4,906 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 6,065 |
| Cost of funding earning assets | 1.8018% | 3,988 |
| Net interest margin | 3.3033% | 5,729 |
| Noninterest income to average assets | 1.3540% | 811 |
| Noninterest expense to average assets | 3.7307% | 1,839 |
| Loan and lease loss provision to assets | 0.0531% | 7,033 |
| Net operating income to assets | 0.5952% | 3,350 |
| Return on assets (ROA) | 0.8315% | 2,495 |
| Pretax return on assets | 0.8397% | 3,116 |
| Return on Equity (ROE) | 6.8938% | 2,831 |
| Retained earnings to average equity (ytd only) | -0.6779% | 5,167 |
| Net charge-offs to loans | 0.0817% | 6,291 |
| Credit loss provision to net charge-offs | 122.6415% | 4,310 |
| Earnings coverage of net charge-offs (x) | 15.0943% | 1,331 |
| Efficiency ratio | 85.0830% | 2,214 |
| Assets per employee ($millions) | 3.1659% | 5,805 |
| Cash dividends to net income (ytd only)* | 109.8328% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,301 |
| Loan loss allowance to noncurrent loans | 52.9374% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 3,563 |
| Noncurrent loans to loans | 2.2843% | 3,304 |
| Net loans and leases to total assets | 53.4812% | 6,250 |
| Net loans and leases to deposits | 65.2300% | 6,142 |
| Net loans and leases to core deposits | 79.1102% | 6,176 |
| Total domestic deposits to total assets | 81.9887% | 4,949 |
| Equity capital to assets | 11.7027% | 2,188 |
| Core capital (leverage) ratio | 10.0041% | 3,085 |
| Tier 1 risk-based capital ratio | 14.3144% | 3,316 |
| Total risk-based capital ratio | 15.2708% | 3,438 |
| Memoranda: | ||
| Average total assets | $122,308,400 | 4,507 |
| Average earning assets | $112,220,400 | 4,505 |
| Average equity | $14,752,400 | 4,110 |
| Average total loans | $64,892,400 | 5,072 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 6,105 |
| Cost of funding earning assets | 1.9130% | 3,809 |
| Net interest margin | 3.2381% | 5,884 |
| Noninterest income to average assets | 1.5590% | 606 |
| Noninterest expense to average assets | 3.1387% | 3,505 |
| Loan and lease loss provision to assets | 0.0124% | 7,210 |
| Net operating income to assets | 1.4479% | 922 |
| Return on assets (ROA) | 1.5011% | 870 |
| Pretax return on assets | 1.5135% | 1,373 |
| Return on Equity (ROE) | 11.1644% | 1,575 |
| Retained earnings to average equity (ytd only) | 3.1064% | 3,585 |
| Net charge-offs to loans | 0.0272% | 6,498 |
| Credit loss provision to net charge-offs | 75.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | 88.9700% | 395 |
| Efficiency ratio | 68.0717% | 4,960 |
| Assets per employee ($millions) | 5.0532% | 2,083 |
| Cash dividends to net income (ytd only)* | 72.1761% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,946 |
| Loan loss allowance to noncurrent loans | 107.2785% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 6,264 |
| Noncurrent loans to loans | 0.7937% | 5,710 |
| Net loans and leases to total assets | 60.0895% | 5,570 |
| Net loans and leases to deposits | 73.6593% | 5,413 |
| Net loans and leases to core deposits | 92.7578% | 5,158 |
| Total domestic deposits to total assets | 81.5777% | 4,843 |
| Equity capital to assets | 13.4948% | 1,503 |
| Core capital (leverage) ratio | 12.8199% | 1,438 |
| Tier 1 risk-based capital ratio | 17.7697% | 2,059 |
| Total risk-based capital ratio | 18.5143% | 2,142 |
| Memoranda: | ||
| Average total assets | $64,484,500 | 6,227 |
| Average earning assets | $60,774,250 | 6,150 |
| Average equity | $8,670,250 | 5,764 |
| Average total loans | $39,253,500 | 6,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 6,190 |
| Cost of funding earning assets | 2.0264% | 3,649 |
| Net interest margin | 3.1438% | 6,111 |
| Noninterest income to average assets | 1.2328% | 1,017 |
| Noninterest expense to average assets | 2.9930% | 4,112 |
| Loan and lease loss provision to assets | 0.0187% | 7,038 |
| Net operating income to assets | 1.1713% | 1,558 |
| Return on assets (ROA) | 1.2172% | 1,512 |
| Pretax return on assets | 1.2359% | 2,205 |
| Return on Equity (ROE) | 9.0641% | 2,339 |
| Retained earnings to average equity (ytd only) | -0.8599% | 5,442 |
| Net charge-offs to loans | 0.0307% | 6,031 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 559 |
| Efficiency ratio | 71.2481% | 4,552 |
| Assets per employee ($millions) | 4.7931% | 2,331 |
| Cash dividends to net income (ytd only)* | 109.4872% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,784 |
| Loan loss allowance to noncurrent loans | 120.4947% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 6,308 |
| Noncurrent loans to loans | 0.7442% | 5,752 |
| Net loans and leases to total assets | 60.4783% | 5,602 |
| Net loans and leases to deposits | 72.5292% | 5,662 |
| Net loans and leases to core deposits | 89.8415% | 5,548 |
| Total domestic deposits to total assets | 83.3847% | 4,075 |
| Equity capital to assets | 13.6318% | 1,444 |
| Core capital (leverage) ratio | 12.5299% | 1,615 |
| Tier 1 risk-based capital ratio | 18.0185% | 2,016 |
| Total risk-based capital ratio | 18.8011% | 2,091 |
| Memoranda: | ||
| Average total assets | $64,082,000 | 6,301 |
| Average earning assets | $60,500,000 | 6,201 |
| Average equity | $8,605,330 | 5,810 |
| Average total loans | $39,067,000 | 6,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 6,768 |
| Cost of funding earning assets | 2.1149% | 3,584 |
| Net interest margin | 2.9439% | 6,630 |
| Noninterest income to average assets | 1.0959% | 1,244 |
| Noninterest expense to average assets | 2.8075% | 4,526 |
| Loan and lease loss provision to assets | 0.0369% | 6,485 |
| Net operating income to assets | 0.9913% | 2,350 |
| Return on assets (ROA) | 0.9913% | 2,486 |
| Pretax return on assets | 1.0282% | 3,255 |
| Return on Equity (ROE) | 7.4356% | 3,409 |
| Retained earnings to average equity (ytd only) | -8.6364% | 6,974 |
| Net charge-offs to loans | 0.0505% | 4,766 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 954 |
| Efficiency ratio | 72.4960% | 4,106 |
| Assets per employee ($millions) | 4.8102% | 2,289 |
| Cash dividends to net income (ytd only)* | 216.1491% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,740 |
| Loan loss allowance to noncurrent loans | 61.4004% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 4,964 |
| Noncurrent loans to loans | 1.4690% | 4,101 |
| Net loans and leases to total assets | 60.0883% | 5,636 |
| Net loans and leases to deposits | 73.2156% | 5,585 |
| Net loans and leases to core deposits | 93.5074% | 5,205 |
| Total domestic deposits to total assets | 82.0703% | 4,519 |
| Equity capital to assets | 13.6680% | 1,472 |
| Core capital (leverage) ratio | 12.2688% | 1,774 |
| Tier 1 risk-based capital ratio | 17.4534% | 2,202 |
| Total risk-based capital ratio | 18.2284% | 2,278 |
| Memoranda: | ||
| Average total assets | $64,968,000 | 6,293 |
| Average earning assets | $61,280,000 | 6,201 |
| Average equity | $8,661,000 | 5,825 |
| Average total loans | $39,588,000 | 6,253 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 6,290 |
| Cost of funding earning assets | 2.4713% | 4,359 |
| Net interest margin | 3.3710% | 5,779 |
| Noninterest income to average assets | 2.0405% | 335 |
| Noninterest expense to average assets | 3.6836% | 1,982 |
| Loan and lease loss provision to assets | 0.0202% | 7,134 |
| Net operating income to assets | 1.4939% | 1,030 |
| Return on assets (ROA) | 1.5556% | 889 |
| Pretax return on assets | 1.5657% | 1,498 |
| Return on Equity (ROE) | 10.9409% | 1,923 |
| Retained earnings to average equity (ytd only) | -1.3143% | 5,685 |
| Net charge-offs to loans | 0.0350% | 6,314 |
| Credit loss provision to net charge-offs | 92.3077% | 5,622 |
| Earnings coverage of net charge-offs (x) | 69.6154% | 587 |
| Efficiency ratio | 70.7404% | 4,188 |
| Assets per employee ($millions) | 4.8145% | 2,163 |
| Cash dividends to net income (ytd only)* | 112.0130% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 7,012 |
| Loan loss allowance to noncurrent loans | 61.0413% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 4,782 |
| Noncurrent loans to loans | 1.3500% | 3,821 |
| Net loans and leases to total assets | 60.7080% | 5,807 |
| Net loans and leases to deposits | 72.1027% | 6,050 |
| Net loans and leases to core deposits | 97.9580% | 5,044 |
| Total domestic deposits to total assets | 84.1965% | 3,221 |
| Equity capital to assets | 13.0187% | 1,777 |
| Core capital (leverage) ratio | 12.4446% | 1,776 |
| Tier 1 risk-based capital ratio | 17.1508% | 2,264 |
| Total risk-based capital ratio | 17.8901% | 2,369 |
| Memoranda: | ||
| Average total assets | $59,398,600 | 6,404 |
| Average earning assets | $55,799,600 | 6,344 |
| Average equity | $8,445,400 | 5,926 |
| Average total loans | $37,144,000 | 6,307 |