Home > West Texas State Bank > Performance and Condition Ratios
West Texas State 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 | 7.2300% | 191 |
| Cost of funding earning assets | 1.9254% | 1,030 |
| Net interest margin | 5.3046% | 236 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.2650% | 2,943 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 2.7236% | 202 |
| Return on assets (ROA) | 2.5305% | 226 |
| Pretax return on assets | 2.5305% | 328 |
| Return on Equity (ROE) | 26.2700% | 272 |
| Retained earnings to average equity (ytd only) | 18.6130% | 166 |
| Net charge-offs to loans | 0.0081% | 2,367 |
| Credit loss provision to net charge-offs | 5,653.8462% | 97 |
| Earnings coverage of net charge-offs (x) | 582.8462% | 252 |
| Efficiency ratio | 42.8884% | 4,292 |
| Assets per employee ($millions) | 8.8076% | 1,056 |
| Cash dividends to net income (ytd only)* | 29.1490% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,134 |
| Loan loss allowance to noncurrent loans | 2,569.3069% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,393 |
| Noncurrent loans to loans | 0.0573% | 3,306 |
| Net loans and leases to total assets | 61.5900% | 2,710 |
| Net loans and leases to deposits | 72.0948% | 2,748 |
| Net loans and leases to core deposits | 85.6357% | 2,328 |
| Total domestic deposits to total assets | 85.4300% | 2,179 |
| Equity capital to assets | 10.4292% | 1,763 |
| Core capital (leverage) ratio | 10.9940% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $251,212,200 | 2,674 |
| Average earning assets | $231,326,400 | 2,679 |
| Average equity | $24,198,200 | 2,569 |
| Average total loans | $159,928,800 | 2,602 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0329% | 193 |
| Cost of funding earning assets | 1.7666% | 1,066 |
| Net interest margin | 5.2663% | 234 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2494% | 2,946 |
| Loan and lease loss provision to assets | 0.4000% | 207 |
| Net operating income to assets | 2.6014% | 242 |
| Return on assets (ROA) | 2.3359% | 304 |
| Pretax return on assets | 2.3359% | 458 |
| Return on Equity (ROE) | 24.8400% | 391 |
| Retained earnings to average equity (ytd only) | 17.5023% | 366 |
| Net charge-offs to loans | 0.0068% | 2,189 |
| Credit loss provision to net charge-offs | 9,187.5000% | 55 |
| Earnings coverage of net charge-offs (x) | 685.8750% | 231 |
| Efficiency ratio | 42.8199% | 4,282 |
| Assets per employee ($millions) | 7.2544% | 1,787 |
| Cash dividends to net income (ytd only)* | 29.5524% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,049 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.3600% | 2,402 |
| Net loans and leases to deposits | 74.4657% | 2,525 |
| Net loans and leases to core deposits | 89.5254% | 1,964 |
| Total domestic deposits to total assets | 86.4300% | 2,063 |
| Equity capital to assets | 9.1404% | 2,331 |
| Core capital (leverage) ratio | 10.6203% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5273% | 1,702 |
| Memoranda: | ||
| Average total assets | $243,554,750 | 2,724 |
| Average earning assets | $224,009,000 | 2,728 |
| Average equity | $22,899,250 | 2,629 |
| Average total loans | $155,865,500 | 2,632 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7680% | 204 |
| Cost of funding earning assets | 1.5888% | 1,092 |
| Net interest margin | 5.1793% | 250 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.2509% | 2,951 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 2.5285% | 239 |
| Return on assets (ROA) | 2.1204% | 387 |
| Pretax return on assets | 2.1204% | 602 |
| Return on Equity (ROE) | 22.3300% | 523 |
| Retained earnings to average equity (ytd only) | 15.8137% | 491 |
| Net charge-offs to loans | 0.0066% | 1,993 |
| Credit loss provision to net charge-offs | 9,600.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 697.0000% | 213 |
| Efficiency ratio | 43.4253% | 4,284 |
| Assets per employee ($millions) | 7.0269% | 1,904 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 1,399 |
| Loan loss allowance to noncurrent loans | 78,266.6667% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,899 |
| Noncurrent loans to loans | 0.0018% | 3,826 |
| Net loans and leases to total assets | 63.6800% | 2,414 |
| Net loans and leases to deposits | 73.9106% | 2,505 |
| Net loans and leases to core deposits | 89.5981% | 1,822 |
| Total domestic deposits to total assets | 86.1600% | 2,182 |
| Equity capital to assets | 9.4265% | 2,215 |
| Core capital (leverage) ratio | 10.4824% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2543% | 2,195 |
| Memoranda: | ||
| Average total assets | $237,687,000 | 2,768 |
| Average earning assets | $218,911,000 | 2,769 |
| Average equity | $22,575,333 | 2,658 |
| Average total loans | $150,929,333 | 2,664 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4130% | 205 |
| Cost of funding earning assets | 1.3749% | 1,079 |
| Net interest margin | 5.0381% | 283 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.1856% | 3,134 |
| Loan and lease loss provision to assets | 0.5100% | 146 |
| Net operating income to assets | 2.4012% | 280 |
| Return on assets (ROA) | 1.6431% | 917 |
| Pretax return on assets | 1.6431% | 1,378 |
| Return on Equity (ROE) | 17.2300% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.1158% | 1,913 |
| Net charge-offs to loans | 0.0138% | 1,437 |
| Credit loss provision to net charge-offs | 5,900.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 335.2000% | 336 |
| Efficiency ratio | 42.8571% | 4,348 |
| Assets per employee ($millions) | 7.1523% | 1,851 |
| Cash dividends to net income (ytd only)* | 47.0899% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,699 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,752 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.4800% | 2,111 |
| Net loans and leases to deposits | 72.5256% | 2,424 |
| Net loans and leases to core deposits | 85.6562% | 1,885 |
| Total domestic deposits to total assets | 90.2900% | 1,050 |
| Equity capital to assets | 9.3896% | 2,236 |
| Core capital (leverage) ratio | 10.2952% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6272% | 2,125 |
| Memoranda: | ||
| Average total assets | $230,047,000 | 2,843 |
| Average earning assets | $214,128,000 | 2,830 |
| Average equity | $21,940,000 | 2,725 |
| Average total loans | $144,670,000 | 2,756 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 370 |
| Cost of funding earning assets | 0.4843% | 1,500 |
| Net interest margin | 4.4019% | 352 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.0957% | 3,305 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 2.0150% | 291 |
| Return on assets (ROA) | 1.5400% | 770 |
| Pretax return on assets | 1.5400% | 1,325 |
| Return on Equity (ROE) | 14.8700% | 1,291 |
| Retained earnings to average equity (ytd only) | 8.8797% | 1,513 |
| Net charge-offs to loans | 0.0346% | 1,387 |
| Credit loss provision to net charge-offs | 1,675.6757% | 296 |
| Earnings coverage of net charge-offs (x) | 128.0811% | 857 |
| Efficiency ratio | 47.4787% | 4,276 |
| Assets per employee ($millions) | 6.7899% | 2,125 |
| Cash dividends to net income (ytd only)* | 40.2795% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 3,951 |
| Loan loss allowance to noncurrent loans | 3,957.1429% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,756 |
| Noncurrent loans to loans | 0.0211% | 3,655 |
| Net loans and leases to total assets | 58.7000% | 2,762 |
| Net loans and leases to deposits | 65.1468% | 2,947 |
| Net loans and leases to core deposits | 73.6287% | 2,595 |
| Total domestic deposits to total assets | 90.1000% | 1,320 |
| Equity capital to assets | 9.6926% | 1,890 |
| Core capital (leverage) ratio | 10.2715% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0724% | 1,610 |
| Memoranda: | ||
| Average total assets | $204,414,400 | 3,023 |
| Average earning assets | $187,077,800 | 3,021 |
| Average equity | $21,172,000 | 2,843 |
| Average total loans | $106,849,600 | 3,063 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 438 |
| Cost of funding earning assets | 0.3265% | 1,897 |
| Net interest margin | 4.2552% | 367 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.1019% | 3,203 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.8980% | 348 |
| Return on assets (ROA) | 1.2491% | 1,499 |
| Pretax return on assets | 1.2491% | 2,210 |
| Return on Equity (ROE) | 11.8500% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.1453% | 3,393 |
| Net charge-offs to loans | 0.0465% | 1,021 |
| Credit loss provision to net charge-offs | 1,171.4286% | 371 |
| Earnings coverage of net charge-offs (x) | 92.8571% | 978 |
| Efficiency ratio | 49.1790% | 4,210 |
| Assets per employee ($millions) | 6.6150% | 2,230 |
| Cash dividends to net income (ytd only)* | 65.0080% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 4,184 |
| Loan loss allowance to noncurrent loans | 5,625.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,927 |
| Noncurrent loans to loans | 0.0133% | 3,840 |
| Net loans and leases to total assets | 54.5400% | 3,044 |
| Net loans and leases to deposits | 59.8050% | 3,214 |
| Net loans and leases to core deposits | 66.8972% | 2,885 |
| Total domestic deposits to total assets | 91.1900% | 1,162 |
| Equity capital to assets | 8.5458% | 2,511 |
| Core capital (leverage) ratio | 10.4216% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6343% | 1,521 |
| Memoranda: | ||
| Average total assets | $199,501,250 | 3,071 |
| Average earning assets | $181,734,250 | 3,080 |
| Average equity | $21,035,500 | 2,897 |
| Average total loans | $100,405,750 | 3,151 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 460 |
| Cost of funding earning assets | 0.2251% | 2,582 |
| Net interest margin | 4.1480% | 370 |
| Noninterest income to average assets | 0.4119% | 2,678 |
| Noninterest expense to average assets | 2.0938% | 3,170 |
| Loan and lease loss provision to assets | 0.2846% | 236 |
| Net operating income to assets | 1.7906% | 346 |
| Return on assets (ROA) | 1.7906% | 341 |
| Pretax return on assets | 1.7906% | 615 |
| Return on Equity (ROE) | 15.8505% | 728 |
| Retained earnings to average equity (ytd only) | 7.0273% | 1,983 |
| Net charge-offs to loans | 0.0809% | 666 |
| Credit loss provision to net charge-offs | 723.6842% | 505 |
| Earnings coverage of net charge-offs (x) | 52.7632% | 1,139 |
| Efficiency ratio | 50.2234% | 4,232 |
| Assets per employee ($millions) | 6.4481% | 2,350 |
| Cash dividends to net income (ytd only)* | 55.6647% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 4,274 |
| Loan loss allowance to noncurrent loans | 393.2990% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 3,002 |
| Noncurrent loans to loans | 0.1873% | 2,767 |
| Net loans and leases to total assets | 53.1389% | 3,048 |
| Net loans and leases to deposits | 58.5601% | 3,175 |
| Net loans and leases to core deposits | 62.3795% | 3,085 |
| Total domestic deposits to total assets | 90.7425% | 1,366 |
| Equity capital to assets | 9.0760% | 2,339 |
| Core capital (leverage) ratio | 10.8094% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3567% | 1,339 |
| Memoranda: | ||
| Average total assets | $193,236,667 | 3,135 |
| Average earning assets | $175,026,000 | 3,170 |
| Average equity | $21,829,000 | 2,914 |
| Average total loans | $93,889,333 | 3,275 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 231 |
| Cost of funding earning assets | 0.1951% | 2,860 |
| Net interest margin | 4.4903% | 173 |
| Noninterest income to average assets | 0.4329% | 2,480 |
| Noninterest expense to average assets | 1.9613% | 3,528 |
| Loan and lease loss provision to assets | 0.4142% | 122 |
| Net operating income to assets | 2.1084% | 183 |
| Return on assets (ROA) | 2.1084% | 183 |
| Pretax return on assets | 2.1084% | 295 |
| Return on Equity (ROE) | 16.9914% | 425 |
| Retained earnings to average equity (ytd only) | 6.9768% | 1,898 |
| Net charge-offs to loans | 0.0180% | 1,171 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 304.5000% | 315 |
| Efficiency ratio | 43.7413% | 4,560 |
| Assets per employee ($millions) | 7.0439% | 1,965 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 4,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.1878% | 3,470 |
| Net loans and leases to deposits | 53.2755% | 3,473 |
| Net loans and leases to core deposits | 56.3028% | 3,424 |
| Total domestic deposits to total assets | 88.5732% | 2,267 |
| Equity capital to assets | 11.2919% | 1,196 |
| Core capital (leverage) ratio | 10.7363% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2359% | 1,203 |
| Memoranda: | ||
| Average total assets | $193,133,000 | 3,147 |
| Average earning assets | $174,241,000 | 3,190 |
| Average equity | $23,965,000 | 2,840 |
| Average total loans | $89,055,500 | 3,341 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9552% | 3,949 |
| Cost of funding earning assets | 0.2111% | 3,356 |
| Net interest margin | 2.7441% | 3,794 |
| Noninterest income to average assets | 0.6021% | 2,144 |
| Noninterest expense to average assets | 1.8252% | 4,094 |
| Loan and lease loss provision to assets | 0.2973% | 276 |
| Net operating income to assets | 0.9900% | 2,712 |
| Return on assets (ROA) | 0.9825% | 2,814 |
| Pretax return on assets | 0.9825% | 3,310 |
| Return on Equity (ROE) | 7.6539% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.6539% | 1,678 |
| Net charge-offs to loans | 0.0413% | 1,438 |
| Credit loss provision to net charge-offs | 1,900.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 82.2759% | 977 |
| Efficiency ratio | 58.6410% | 3,338 |
| Assets per employee ($millions) | 6.7513% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 4,531 |
| Loan loss allowance to noncurrent loans | 35.4970% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 772 |
| Noncurrent loans to loans | 1.7540% | 488 |
| Net loans and leases to total assets | 44.3278% | 3,820 |
| Net loans and leases to deposits | 51.3575% | 3,777 |
| Net loans and leases to core deposits | 54.2689% | 3,737 |
| Total domestic deposits to total assets | 86.3122% | 2,796 |
| Equity capital to assets | 13.5735% | 749 |
| Core capital (leverage) ratio | 10.8228% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9340% | 1,052 |
| Memoranda: | ||
| Average total assets | $185,350,600 | 3,161 |
| Average earning assets | $169,563,600 | 3,193 |
| Average equity | $23,791,800 | 2,928 |
| Average total loans | $70,192,000 | 3,642 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7784% | 4,323 |
| Cost of funding earning assets | 0.2196% | 3,427 |
| Net interest margin | 2.5588% | 4,194 |
| Noninterest income to average assets | 0.4265% | 2,949 |
| Noninterest expense to average assets | 1.7849% | 4,196 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 0.6600% | 3,871 |
| Return on assets (ROA) | 0.6499% | 3,952 |
| Pretax return on assets | 0.6499% | 4,157 |
| Return on Equity (ROE) | 5.1388% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.1388% | 3,167 |
| Net charge-offs to loans | 0.0580% | 1,065 |
| Credit loss provision to net charge-offs | 1,620.6897% | 378 |
| Earnings coverage of net charge-offs (x) | 47.6897% | 1,268 |
| Efficiency ratio | 64.0966% | 2,375 |
| Assets per employee ($millions) | 6.5930% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 4,673 |
| Loan loss allowance to noncurrent loans | 29.2105% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 856 |
| Noncurrent loans to loans | 1.8785% | 490 |
| Net loans and leases to total assets | 43.5906% | 3,990 |
| Net loans and leases to deposits | 50.5586% | 3,983 |
| Net loans and leases to core deposits | 53.2769% | 3,966 |
| Total domestic deposits to total assets | 86.2181% | 2,657 |
| Equity capital to assets | 13.5030% | 851 |
| Core capital (leverage) ratio | 10.5485% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8478% | 990 |
| Memoranda: | ||
| Average total assets | $184,429,000 | 3,211 |
| Average earning assets | $169,973,500 | 3,216 |
| Average equity | $23,325,000 | 2,993 |
| Average total loans | $66,659,750 | 3,764 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6748% | 4,484 |
| Cost of funding earning assets | 0.2284% | 3,478 |
| Net interest margin | 2.4464% | 4,375 |
| Noninterest income to average assets | 0.3189% | 3,515 |
| Noninterest expense to average assets | 1.7204% | 4,335 |
| Loan and lease loss provision to assets | 0.2929% | 293 |
| Net operating income to assets | 0.5597% | 4,075 |
| Return on assets (ROA) | 0.5359% | 4,195 |
| Pretax return on assets | 0.5359% | 4,327 |
| Return on Equity (ROE) | 4.3350% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.3350% | 3,418 |
| Net charge-offs to loans | -0.2326% | 4,815 |
| Credit loss provision to net charge-offs | -375.0000% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8634% | 2,034 |
| Assets per employee ($millions) | 6.7438% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4934% | 4,740 |
| Loan loss allowance to noncurrent loans | 18.9769% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 755 |
| Noncurrent loans to loans | 2.6000% | 309 |
| Net loans and leases to total assets | 38.2130% | 4,379 |
| Net loans and leases to deposits | 43.9892% | 4,381 |
| Net loans and leases to core deposits | 46.4560% | 4,381 |
| Total domestic deposits to total assets | 86.8691% | 2,397 |
| Equity capital to assets | 12.8365% | 1,003 |
| Core capital (leverage) ratio | 9.6671% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0996% | 942 |
| Memoranda: | ||
| Average total assets | $184,370,667 | 3,215 |
| Average earning assets | $169,881,333 | 3,218 |
| Average equity | $22,791,000 | 3,030 |
| Average total loans | $61,908,333 | 3,865 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8130% | 4,366 |
| Cost of funding earning assets | 0.2602% | 3,376 |
| Net interest margin | 2.5528% | 4,232 |
| Noninterest income to average assets | 0.3105% | 3,546 |
| Noninterest expense to average assets | 1.6861% | 4,400 |
| Loan and lease loss provision to assets | 0.2156% | 547 |
| Net operating income to assets | 0.7568% | 3,556 |
| Return on assets (ROA) | 0.7094% | 3,748 |
| Pretax return on assets | 0.7094% | 3,998 |
| Return on Equity (ROE) | 5.8489% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.8489% | 2,945 |
| Net charge-offs to loans | -0.0760% | 4,549 |
| Credit loss provision to net charge-offs | -909.0909% | 3,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4225% | 2,542 |
| Assets per employee ($millions) | 7.4495% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1916% | 4,905 |
| Loan loss allowance to noncurrent loans | 5.4887% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 703 |
| Noncurrent loans to loans | 3.4910% | 192 |
| Net loans and leases to total assets | 31.8850% | 4,635 |
| Net loans and leases to deposits | 36.3357% | 4,666 |
| Net loans and leases to core deposits | 37.8721% | 4,673 |
| Total domestic deposits to total assets | 87.7512% | 1,979 |
| Equity capital to assets | 12.1280% | 1,232 |
| Core capital (leverage) ratio | 9.5878% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8340% | 811 |
| Memoranda: | ||
| Average total assets | $185,515,000 | 3,199 |
| Average earning assets | $170,636,500 | 3,206 |
| Average equity | $22,500,000 | 3,039 |
| Average total loans | $57,900,500 | 3,948 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2422% | 4,991 |
| Cost of funding earning assets | 0.0290% | 4,963 |
| Net interest margin | 0.2132% | 4,990 |
| Noninterest income to average assets | 0.0354% | 4,888 |
| Noninterest expense to average assets | 0.1529% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0777% | 4,683 |
| Return on assets (ROA) | 0.0777% | 4,717 |
| Pretax return on assets | 0.0777% | 4,715 |
| Return on Equity (ROE) | 0.6411% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.6411% | 4,332 |
| Net charge-offs to loans | -0.0049% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3014% | 2,484 |
| Assets per employee ($millions) | 7.1074% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0053% | 4,949 |
| Loan loss allowance to noncurrent loans | 0.1648% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 975 |
| Noncurrent loans to loans | 3.2324% | 245 |
| Net loans and leases to total assets | 30.4678% | 4,739 |
| Net loans and leases to deposits | 34.7994% | 4,767 |
| Net loans and leases to core deposits | 36.0980% | 4,777 |
| Total domestic deposits to total assets | 87.5525% | 1,685 |
| Equity capital to assets | 12.1288% | 1,507 |
| Core capital (leverage) ratio | 8.6731% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5428% | 710 |
| Memoranda: | ||
| Average total assets | $158,318,600 | 3,307 |
| Average earning assets | $144,922,800 | 3,326 |
| Average equity | $19,185,600 | 3,260 |
| Average total loans | $60,990,600 | 3,900 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,030 |
| Cost of funding earning assets | 0.4253% | 3,668 |
| Net interest margin | 3.1659% | 3,572 |
| Noninterest income to average assets | 0.9308% | 1,153 |
| Noninterest expense to average assets | 2.1445% | 3,835 |
| Loan and lease loss provision to assets | 0.3078% | 1,299 |
| Net operating income to assets | 1.3834% | 1,141 |
| Return on assets (ROA) | 1.6708% | 687 |
| Pretax return on assets | 1.6708% | 1,026 |
| Return on Equity (ROE) | 13.7909% | 914 |
| Retained earnings to average equity (ytd only) | 3.0324% | 3,509 |
| Net charge-offs to loans | 0.2831% | 559 |
| Credit loss provision to net charge-offs | 265.1515% | 1,876 |
| Earnings coverage of net charge-offs (x) | 14.5758% | 2,150 |
| Efficiency ratio | 55.9120% | 3,927 |
| Assets per employee ($millions) | 6.2407% | 2,055 |
| Cash dividends to net income (ytd only)* | 78.0116% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 325 |
| Loan loss allowance to noncurrent loans | 78.3688% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 977 |
| Noncurrent loans to loans | 2.8564% | 343 |
| Net loans and leases to total assets | 37.1177% | 4,638 |
| Net loans and leases to deposits | 42.8173% | 4,686 |
| Net loans and leases to core deposits | 44.8289% | 4,692 |
| Total domestic deposits to total assets | 86.6886% | 1,777 |
| Equity capital to assets | 12.7646% | 1,297 |
| Core capital (leverage) ratio | 11.1881% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9911% | 586 |
| Memoranda: | ||
| Average total assets | $151,700,250 | 3,366 |
| Average earning assets | $139,188,000 | 3,380 |
| Average equity | $18,378,750 | 3,332 |
| Average total loans | $62,162,000 | 3,898 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 4,093 |
| Cost of funding earning assets | 0.4736% | 3,684 |
| Net interest margin | 3.2249% | 3,594 |
| Noninterest income to average assets | 1.1979% | 700 |
| Noninterest expense to average assets | 2.1908% | 3,810 |
| Loan and lease loss provision to assets | 0.4659% | 812 |
| Net operating income to assets | 1.4961% | 933 |
| Return on assets (ROA) | 1.9313% | 427 |
| Pretax return on assets | 1.9313% | 636 |
| Return on Equity (ROE) | 16.2425% | 527 |
| Retained earnings to average equity (ytd only) | 1.8806% | 3,803 |
| Net charge-offs to loans | 0.4340% | 369 |
| Credit loss provision to net charge-offs | 255.4745% | 1,737 |
| Earnings coverage of net charge-offs (x) | 10.7591% | 2,131 |
| Efficiency ratio | 52.7564% | 4,293 |
| Assets per employee ($millions) | 6.4285% | 1,844 |
| Cash dividends to net income (ytd only)* | 88.4218% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 370 |
| Loan loss allowance to noncurrent loans | 75.0142% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 1,046 |
| Noncurrent loans to loans | 2.8120% | 371 |
| Net loans and leases to total assets | 38.1453% | 4,662 |
| Net loans and leases to deposits | 43.5834% | 4,711 |
| Net loans and leases to core deposits | 45.5480% | 4,721 |
| Total domestic deposits to total assets | 87.5224% | 1,408 |
| Equity capital to assets | 12.0047% | 1,655 |
| Core capital (leverage) ratio | 11.0223% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9297% | 682 |
| Memoranda: | ||
| Average total assets | $150,261,333 | 3,355 |
| Average earning assets | $137,677,000 | 3,379 |
| Average equity | $17,866,667 | 3,376 |
| Average total loans | $63,137,333 | 3,894 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,864 |
| Cost of funding earning assets | 0.6018% | 3,429 |
| Net interest margin | 3.3719% | 3,393 |
| Noninterest income to average assets | 0.4578% | 2,751 |
| Noninterest expense to average assets | 2.4077% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1252% | 1,766 |
| Return on assets (ROA) | 2.0271% | 283 |
| Pretax return on assets | 2.0271% | 426 |
| Return on Equity (ROE) | 17.1394% | 320 |
| Retained earnings to average equity (ytd only) | -12.7787% | 4,844 |
| Net charge-offs to loans | 0.0568% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 964 |
| Efficiency ratio | 68.1499% | 2,642 |
| Assets per employee ($millions) | 5.7725% | 1,870 |
| Cash dividends to net income (ytd only)* | 174.5578% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 733 |
| Loan loss allowance to noncurrent loans | 59.9891% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 941 |
| Noncurrent loans to loans | 2.9726% | 368 |
| Net loans and leases to total assets | 41.9442% | 4,595 |
| Net loans and leases to deposits | 47.6127% | 4,676 |
| Net loans and leases to core deposits | 49.9942% | 4,678 |
| Total domestic deposits to total assets | 88.0946% | 1,073 |
| Equity capital to assets | 11.5125% | 2,428 |
| Core capital (leverage) ratio | 11.3068% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6060% | 790 |
| Memoranda: | ||
| Average total assets | $145,036,000 | 3,396 |
| Average earning assets | $132,269,000 | 3,417 |
| Average equity | $17,153,500 | 3,455 |
| Average total loans | $63,393,500 | 3,898 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 3,622 |
| Cost of funding earning assets | 0.6296% | 3,504 |
| Net interest margin | 3.6395% | 2,998 |
| Noninterest income to average assets | 0.5677% | 2,384 |
| Noninterest expense to average assets | 2.4035% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4584% | 1,165 |
| Return on assets (ROA) | 1.4606% | 1,215 |
| Pretax return on assets | 1.4606% | 1,932 |
| Return on Equity (ROE) | 11.8047% | 1,582 |
| Retained earnings to average equity (ytd only) | 3.7272% | 3,124 |
| Net charge-offs to loans | 0.2597% | 797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.6824% | 2,475 |
| Efficiency ratio | 62.2362% | 3,341 |
| Assets per employee ($millions) | 5.8304% | 1,770 |
| Cash dividends to net income (ytd only)* | 68.4263% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 797 |
| Loan loss allowance to noncurrent loans | 57.8892% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 837 |
| Noncurrent loans to loans | 2.9375% | 329 |
| Net loans and leases to total assets | 43.9417% | 4,603 |
| Net loans and leases to deposits | 50.2219% | 4,679 |
| Net loans and leases to core deposits | 52.5048% | 4,689 |
| Total domestic deposits to total assets | 87.4951% | 1,367 |
| Equity capital to assets | 12.1385% | 2,053 |
| Core capital (leverage) ratio | 12.1379% | 1,691 |
| Tier 1 risk-based capital ratio | 19.5869% | 1,394 |
| Total risk-based capital ratio | 20.8366% | 1,363 |
| Memoranda: | ||
| Average total assets | $136,174,200 | 3,492 |
| Average earning assets | $123,258,400 | 3,516 |
| Average equity | $16,849,200 | 3,451 |
| Average total loans | $65,465,200 | 3,873 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,631 |
| Cost of funding earning assets | 0.6247% | 3,560 |
| Net interest margin | 3.6834% | 2,979 |
| Noninterest income to average assets | 0.6080% | 2,167 |
| Noninterest expense to average assets | 2.4408% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5049% | 1,174 |
| Return on assets (ROA) | 1.5059% | 1,227 |
| Pretax return on assets | 1.5059% | 1,935 |
| Return on Equity (ROE) | 12.1084% | 1,579 |
| Retained earnings to average equity (ytd only) | 2.2037% | 4,204 |
| Net charge-offs to loans | 0.2746% | 638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 11.1849% | 2,453 |
| Efficiency ratio | 61.8591% | 3,345 |
| Assets per employee ($millions) | 5.1200% | 2,424 |
| Cash dividends to net income (ytd only)* | 81.8000% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 806 |
| Loan loss allowance to noncurrent loans | 53.5112% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 652 |
| Noncurrent loans to loans | 3.1941% | 288 |
| Net loans and leases to total assets | 49.3769% | 4,459 |
| Net loans and leases to deposits | 57.2360% | 4,502 |
| Net loans and leases to core deposits | 59.9960% | 4,537 |
| Total domestic deposits to total assets | 86.2689% | 1,877 |
| Equity capital to assets | 13.1437% | 1,545 |
| Core capital (leverage) ratio | 12.5312% | 1,552 |
| Tier 1 risk-based capital ratio | 19.5276% | 1,455 |
| Total risk-based capital ratio | 20.7788% | 1,423 |
| Memoranda: | ||
| Average total assets | $133,778,000 | 3,553 |
| Average earning assets | $121,225,500 | 3,586 |
| Average equity | $16,638,250 | 3,505 |
| Average total loans | $65,542,250 | 3,916 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,643 |
| Cost of funding earning assets | 0.6286% | 3,513 |
| Net interest margin | 3.6673% | 3,041 |
| Noninterest income to average assets | 0.6642% | 1,856 |
| Noninterest expense to average assets | 2.4821% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4911% | 1,173 |
| Return on assets (ROA) | 1.4926% | 1,216 |
| Pretax return on assets | 1.4926% | 1,881 |
| Return on Equity (ROE) | 12.2309% | 1,497 |
| Retained earnings to average equity (ytd only) | 4.6722% | 2,937 |
| Net charge-offs to loans | 0.3840% | 434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.9920% | 2,446 |
| Efficiency ratio | 62.4718% | 3,356 |
| Assets per employee ($millions) | 5.0896% | 2,371 |
| Cash dividends to net income (ytd only)* | 61.8000% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 829 |
| Loan loss allowance to noncurrent loans | 57.5349% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 741 |
| Noncurrent loans to loans | 2.9443% | 353 |
| Net loans and leases to total assets | 50.5630% | 4,441 |
| Net loans and leases to deposits | 58.5543% | 4,493 |
| Net loans and leases to core deposits | 61.2482% | 4,526 |
| Total domestic deposits to total assets | 86.3523% | 1,871 |
| Equity capital to assets | 13.1860% | 1,496 |
| Core capital (leverage) ratio | 12.6437% | 1,463 |
| Tier 1 risk-based capital ratio | 19.3541% | 1,470 |
| Total risk-based capital ratio | 20.6048% | 1,441 |
| Memoranda: | ||
| Average total assets | $133,997,000 | 3,568 |
| Average earning assets | $120,905,330 | 3,610 |
| Average equity | $16,352,000 | 3,528 |
| Average total loans | $65,098,330 | 3,950 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 3,672 |
| Cost of funding earning assets | 0.6150% | 3,493 |
| Net interest margin | 3.6469% | 3,082 |
| Noninterest income to average assets | 0.5429% | 2,327 |
| Noninterest expense to average assets | 2.4060% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4092% | 1,351 |
| Return on assets (ROA) | 1.4092% | 1,376 |
| Pretax return on assets | 1.4092% | 2,052 |
| Return on Equity (ROE) | 12.0227% | 1,520 |
| Retained earnings to average equity (ytd only) | -3.6195% | 4,845 |
| Net charge-offs to loans | -0.0692% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0638% | 3,375 |
| Assets per employee ($millions) | 4.8270% | 2,751 |
| Cash dividends to net income (ytd only)* | 130.1053% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 419 |
| Loan loss allowance to noncurrent loans | 58.7244% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.6240% | 697 |
| Noncurrent loans to loans | 3.5774% | 251 |
| Net loans and leases to total assets | 44.4435% | 4,729 |
| Net loans and leases to deposits | 50.6749% | 4,797 |
| Net loans and leases to core deposits | 52.9140% | 4,814 |
| Total domestic deposits to total assets | 87.7031% | 1,478 |
| Equity capital to assets | 11.8471% | 2,121 |
| Core capital (leverage) ratio | 12.0381% | 1,749 |
| Tier 1 risk-based capital ratio | 19.8128% | 1,372 |
| Total risk-based capital ratio | 21.0660% | 1,350 |
| Memoranda: | ||
| Average total assets | $134,830,500 | 3,598 |
| Average earning assets | $120,980,500 | 3,644 |
| Average equity | $15,803,500 | 3,603 |
| Average total loans | $63,616,000 | 4,017 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 3,821 |
| Cost of funding earning assets | 0.3689% | 4,167 |
| Net interest margin | 3.7057% | 3,013 |
| Noninterest income to average assets | 0.5043% | 2,817 |
| Noninterest expense to average assets | 2.6540% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1660% | 2,331 |
| Return on assets (ROA) | 1.1660% | 2,322 |
| Pretax return on assets | 1.1660% | 3,037 |
| Return on Equity (ROE) | 9.7784% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.7784% | 658 |
| Net charge-offs to loans | 0.5023% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.5660% | 3,282 |
| Efficiency ratio | 69.4766% | 2,290 |
| Assets per employee ($millions) | 5.3802% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 534 |
| Loan loss allowance to noncurrent loans | 27.6324% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 3.5292% | 148 |
| Noncurrent loans to loans | 7.0209% | 52 |
| Net loans and leases to total assets | 48.0257% | 4,638 |
| Net loans and leases to deposits | 54.5809% | 4,726 |
| Net loans and leases to core deposits | 56.7457% | 4,752 |
| Total domestic deposits to total assets | 87.9900% | 1,301 |
| Equity capital to assets | 11.5944% | 2,181 |
| Core capital (leverage) ratio | 12.3378% | 1,544 |
| Tier 1 risk-based capital ratio | 18.7711% | 1,554 |
| Total risk-based capital ratio | 20.0231% | 1,521 |
| Memoranda: | ||
| Average total assets | $124,530,400 | 3,722 |
| Average earning assets | $111,422,400 | 3,783 |
| Average equity | $14,849,000 | 3,657 |
| Average total loans | $63,314,200 | 4,013 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,915 |
| Cost of funding earning assets | 0.3095% | 4,456 |
| Net interest margin | 3.6957% | 3,037 |
| Noninterest income to average assets | 0.6664% | 1,989 |
| Noninterest expense to average assets | 2.7019% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2914% | 1,896 |
| Return on assets (ROA) | 1.2914% | 1,892 |
| Pretax return on assets | 1.2914% | 2,659 |
| Return on Equity (ROE) | 10.7482% | 2,288 |
| Retained earnings to average equity (ytd only) | 10.7482% | 709 |
| Net charge-offs to loans | 0.5999% | 246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.1915% | 3,092 |
| Efficiency ratio | 67.6607% | 2,601 |
| Assets per employee ($millions) | 4.9055% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 358 |
| Loan loss allowance to noncurrent loans | 27.3238% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 4.1578% | 115 |
| Noncurrent loans to loans | 8.0853% | 47 |
| Net loans and leases to total assets | 47.4278% | 4,739 |
| Net loans and leases to deposits | 54.3690% | 4,809 |
| Net loans and leases to core deposits | 55.8094% | 4,850 |
| Total domestic deposits to total assets | 87.2331% | 1,629 |
| Equity capital to assets | 12.1627% | 1,794 |
| Core capital (leverage) ratio | 13.0357% | 1,268 |
| Tier 1 risk-based capital ratio | 20.0608% | 1,327 |
| Total risk-based capital ratio | 21.3147% | 1,290 |
| Memoranda: | ||
| Average total assets | $122,036,750 | 3,798 |
| Average earning assets | $109,856,000 | 3,846 |
| Average equity | $14,662,500 | 3,703 |
| Average total loans | $62,674,000 | 4,073 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 3,890 |
| Cost of funding earning assets | 0.2866% | 4,523 |
| Net interest margin | 3.6763% | 3,021 |
| Noninterest income to average assets | 0.5565% | 2,542 |
| Noninterest expense to average assets | 2.7233% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1392% | 2,439 |
| Return on assets (ROA) | 1.1392% | 2,444 |
| Pretax return on assets | 1.1392% | 3,169 |
| Return on Equity (ROE) | 9.5212% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.5212% | 1,064 |
| Net charge-offs to loans | 0.2102% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.3582% | 2,331 |
| Efficiency ratio | 70.5057% | 2,239 |
| Assets per employee ($millions) | 4.5374% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 264 |
| Loan loss allowance to noncurrent loans | 40.2899% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.4332% | 187 |
| Noncurrent loans to loans | 6.0588% | 87 |
| Net loans and leases to total assets | 49.8792% | 4,617 |
| Net loans and leases to deposits | 57.0283% | 4,697 |
| Net loans and leases to core deposits | 58.6839% | 4,758 |
| Total domestic deposits to total assets | 87.4639% | 1,661 |
| Equity capital to assets | 11.9892% | 1,863 |
| Core capital (leverage) ratio | 12.6336% | 1,370 |
| Tier 1 risk-based capital ratio | 18.8027% | 1,600 |
| Total risk-based capital ratio | 20.0599% | 1,557 |
| Memoranda: | ||
| Average total assets | $121,836,670 | 3,828 |
| Average earning assets | $109,567,330 | 3,878 |
| Average equity | $14,578,000 | 3,739 |
| Average total loans | $63,739,330 | 4,074 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,997 |
| Cost of funding earning assets | 0.2743% | 4,549 |
| Net interest margin | 3.6023% | 3,171 |
| Noninterest income to average assets | 0.5663% | 2,438 |
| Noninterest expense to average assets | 2.7292% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0798% | 2,522 |
| Return on assets (ROA) | 1.0798% | 2,540 |
| Pretax return on assets | 1.0798% | 3,247 |
| Return on Equity (ROE) | 9.0339% | 2,895 |
| Retained earnings to average equity (ytd only) | 9.0339% | 1,448 |
| Net charge-offs to loans | -0.0373% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6508% | 2,240 |
| Assets per employee ($millions) | 4.3279% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5692% | 240 |
| Loan loss allowance to noncurrent loans | 36.8530% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.8216% | 173 |
| Noncurrent loans to loans | 6.9715% | 71 |
| Net loans and leases to total assets | 50.1337% | 4,548 |
| Net loans and leases to deposits | 57.1160% | 4,637 |
| Net loans and leases to core deposits | 58.6160% | 4,719 |
| Total domestic deposits to total assets | 87.7752% | 1,742 |
| Equity capital to assets | 11.9079% | 1,853 |
| Core capital (leverage) ratio | 12.4662% | 1,405 |
| Tier 1 risk-based capital ratio | 19.1474% | 1,522 |
| Total risk-based capital ratio | 20.4068% | 1,473 |
| Memoranda: | ||
| Average total assets | $121,500,000 | 3,877 |
| Average earning assets | $109,375,000 | 3,923 |
| Average equity | $14,523,000 | 3,773 |
| Average total loans | $64,291,000 | 4,087 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 3,660 |
| Cost of funding earning assets | 0.2330% | 4,705 |
| Net interest margin | 3.6860% | 2,851 |
| Noninterest income to average assets | 0.5218% | 2,870 |
| Noninterest expense to average assets | 2.7559% | 2,937 |
| Loan and lease loss provision to assets | 0.7058% | 175 |
| Net operating income to assets | 0.3747% | 4,770 |
| Return on assets (ROA) | 0.3862% | 4,749 |
| Pretax return on assets | 0.3862% | 5,106 |
| Return on Equity (ROE) | 3.1832% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.1832% | 3,396 |
| Net charge-offs to loans | 4.0160% | 22 |
| Credit loss provision to net charge-offs | 29.1681% | 3,545 |
| Earnings coverage of net charge-offs (x) | 0.4465% | 3,995 |
| Efficiency ratio | 71.8355% | 2,252 |
| Assets per employee ($millions) | 4.3663% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 277 |
| Loan loss allowance to noncurrent loans | 34.8852% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 4.0153% | 146 |
| Noncurrent loans to loans | 6.9080% | 66 |
| Net loans and leases to total assets | 52.8657% | 4,453 |
| Net loans and leases to deposits | 60.4670% | 4,539 |
| Net loans and leases to core deposits | 61.8968% | 4,660 |
| Total domestic deposits to total assets | 87.4289% | 1,802 |
| Equity capital to assets | 12.2668% | 1,659 |
| Core capital (leverage) ratio | 12.5795% | 1,319 |
| Tier 1 risk-based capital ratio | 18.5069% | 1,652 |
| Total risk-based capital ratio | 19.7650% | 1,600 |
| Memoranda: | ||
| Average total assets | $121,704,000 | 3,863 |
| Average earning assets | $109,442,200 | 3,928 |
| Average equity | $14,765,000 | 3,746 |
| Average total loans | $73,331,800 | 3,890 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,582 |
| Cost of funding earning assets | 0.2265% | 4,768 |
| Net interest margin | 3.7038% | 2,745 |
| Noninterest income to average assets | 0.5155% | 2,937 |
| Noninterest expense to average assets | 2.9043% | 2,389 |
| Loan and lease loss provision to assets | 0.7952% | 136 |
| Net operating income to assets | 0.1525% | 5,395 |
| Return on assets (ROA) | 0.1645% | 5,395 |
| Pretax return on assets | 0.1645% | 5,412 |
| Return on Equity (ROE) | 1.3599% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.3599% | 4,863 |
| Net charge-offs to loans | 5.2190% | 14 |
| Credit loss provision to net charge-offs | 24.6599% | 3,126 |
| Earnings coverage of net charge-offs (x) | 0.2939% | 3,676 |
| Efficiency ratio | 75.3986% | 1,678 |
| Assets per employee ($millions) | 4.5444% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 517 |
| Loan loss allowance to noncurrent loans | 28.4111% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 4.6837% | 123 |
| Noncurrent loans to loans | 7.2314% | 67 |
| Net loans and leases to total assets | 59.2312% | 3,946 |
| Net loans and leases to deposits | 68.2045% | 4,097 |
| Net loans and leases to core deposits | 69.8841% | 4,248 |
| Total domestic deposits to total assets | 86.8434% | 1,937 |
| Equity capital to assets | 12.6022% | 1,604 |
| Core capital (leverage) ratio | 12.4883% | 1,417 |
| Tier 1 risk-based capital ratio | 17.2022% | 2,095 |
| Total risk-based capital ratio | 18.4569% | 2,045 |
| Memoranda: | ||
| Average total assets | $121,565,750 | 3,908 |
| Average earning assets | $109,505,500 | 3,965 |
| Average equity | $14,707,000 | 3,792 |
| Average total loans | $75,107,750 | 3,876 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 3,621 |
| Cost of funding earning assets | 0.2185% | 4,814 |
| Net interest margin | 3.6629% | 2,782 |
| Noninterest income to average assets | 0.5330% | 2,810 |
| Noninterest expense to average assets | 2.8443% | 2,604 |
| Loan and lease loss provision to assets | 1.1817% | 84 |
| Net operating income to assets | -0.1874% | 5,619 |
| Return on assets (ROA) | -0.1695% | 5,611 |
| Pretax return on assets | -0.1695% | 5,601 |
| Return on Equity (ROE) | -1.4202% | 5,601 |
| Retained earnings to average equity (ytd only) | -1.4202% | 5,279 |
| Net charge-offs to loans | 4.6275% | 25 |
| Credit loss provision to net charge-offs | 41.0532% | 2,641 |
| Earnings coverage of net charge-offs (x) | 0.3454% | 3,385 |
| Efficiency ratio | 74.0977% | 1,997 |
| Assets per employee ($millions) | 4.6499% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4937% | 94 |
| Loan loss allowance to noncurrent loans | 37.8529% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 5.7710% | 82 |
| Noncurrent loans to loans | 9.2296% | 33 |
| Net loans and leases to total assets | 60.3426% | 3,814 |
| Net loans and leases to deposits | 69.0522% | 3,983 |
| Net loans and leases to core deposits | 70.7012% | 4,182 |
| Total domestic deposits to total assets | 87.3869% | 1,768 |
| Equity capital to assets | 12.1532% | 1,828 |
| Core capital (leverage) ratio | 12.1229% | 1,571 |
| Tier 1 risk-based capital ratio | 16.0886% | 2,463 |
| Total risk-based capital ratio | 17.3585% | 2,405 |
| Memoranda: | ||
| Average total assets | $122,703,000 | 3,914 |
| Average earning assets | $110,732,330 | 3,967 |
| Average equity | $14,646,000 | 3,804 |
| Average total loans | $76,326,330 | 3,872 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 3,747 |
| Cost of funding earning assets | 0.2145% | 4,844 |
| Net interest margin | 3.5929% | 2,911 |
| Noninterest income to average assets | 0.5501% | 2,662 |
| Noninterest expense to average assets | 2.8316% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9708% | 2,431 |
| Return on assets (ROA) | 0.9708% | 2,481 |
| Pretax return on assets | 0.9708% | 3,490 |
| Return on Equity (ROE) | 8.2065% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.2065% | 1,373 |
| Net charge-offs to loans | -0.0209% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4681% | 2,152 |
| Assets per employee ($millions) | 4.6809% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9416% | 48 |
| Loan loss allowance to noncurrent loans | 36.7607% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 8.2389% | 45 |
| Noncurrent loans to loans | 13.4426% | 15 |
| Net loans and leases to total assets | 58.2607% | 3,948 |
| Net loans and leases to deposits | 66.6144% | 4,122 |
| Net loans and leases to core deposits | 68.1923% | 4,278 |
| Total domestic deposits to total assets | 87.4596% | 2,007 |
| Equity capital to assets | 12.1870% | 1,717 |
| Core capital (leverage) ratio | 12.1989% | 1,507 |
| Tier 1 risk-based capital ratio | 16.4616% | 2,371 |
| Total risk-based capital ratio | 17.7458% | 2,308 |
| Memoranda: | ||
| Average total assets | $123,605,500 | 3,939 |
| Average earning assets | $111,887,000 | 3,978 |
| Average equity | $14,622,500 | 3,829 |
| Average total loans | $76,692,500 | 3,889 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 3,734 |
| Cost of funding earning assets | 0.1827% | 5,182 |
| Net interest margin | 3.6690% | 2,823 |
| Noninterest income to average assets | 0.4727% | 3,397 |
| Noninterest expense to average assets | 2.4924% | 4,035 |
| Loan and lease loss provision to assets | 2.5283% | 28 |
| Net operating income to assets | -1.2133% | 5,846 |
| Return on assets (ROA) | -1.1699% | 5,845 |
| Pretax return on assets | -1.1699% | 5,841 |
| Return on Equity (ROE) | -9.6340% | 5,833 |
| Retained earnings to average equity (ytd only) | -19.4589% | 5,856 |
| Net charge-offs to loans | 0.8725% | 222 |
| Credit loss provision to net charge-offs | 506.7466% | 652 |
| Earnings coverage of net charge-offs (x) | 2.6357% | 3,795 |
| Efficiency ratio | 65.4617% | 3,681 |
| Assets per employee ($millions) | 4.8272% | 2,605 |
| Cash dividends to net income (ytd only)* | -101.9821% | 5,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6729% | 51 |
| Loan loss allowance to noncurrent loans | 53.9487% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 5.4379% | 105 |
| Noncurrent loans to loans | 8.6618% | 43 |
| Net loans and leases to total assets | 59.8464% | 3,871 |
| Net loans and leases to deposits | 67.8133% | 4,096 |
| Net loans and leases to core deposits | 69.1875% | 4,310 |
| Total domestic deposits to total assets | 88.2517% | 1,509 |
| Equity capital to assets | 11.4837% | 2,187 |
| Core capital (leverage) ratio | 11.4747% | 1,950 |
| Tier 1 risk-based capital ratio | 15.1292% | 2,906 |
| Total risk-based capital ratio | 16.4096% | 2,831 |
| Memoranda: | ||
| Average total assets | $133,686,400 | 3,772 |
| Average earning assets | $121,504,000 | 3,801 |
| Average equity | $16,234,200 | 3,661 |
| Average total loans | $76,449,200 | 3,887 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 3,829 |
| Cost of funding earning assets | 0.1774% | 5,286 |
| Net interest margin | 3.6548% | 2,869 |
| Noninterest income to average assets | 0.4568% | 3,508 |
| Noninterest expense to average assets | 2.4361% | 4,174 |
| Loan and lease loss provision to assets | 2.0432% | 37 |
| Net operating income to assets | -0.7043% | 5,881 |
| Return on assets (ROA) | -0.6611% | 5,881 |
| Pretax return on assets | -0.6611% | 5,875 |
| Return on Equity (ROE) | -5.3765% | 5,867 |
| Retained earnings to average equity (ytd only) | -18.1187% | 5,906 |
| Net charge-offs to loans | -0.0193% | 4,994 |
| Credit loss provision to net charge-offs | -18,909.0909% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5329% | 3,847 |
| Assets per employee ($millions) | 4.6152% | 2,902 |
| Cash dividends to net income (ytd only)* | -236.9984% | 5,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9000% | 81 |
| Loan loss allowance to noncurrent loans | 64.8442% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 3.7090% | 248 |
| Noncurrent loans to loans | 6.0145% | 117 |
| Net loans and leases to total assets | 58.3482% | 4,062 |
| Net loans and leases to deposits | 67.5467% | 4,198 |
| Net loans and leases to core deposits | 69.0783% | 4,391 |
| Total domestic deposits to total assets | 86.3820% | 2,178 |
| Equity capital to assets | 12.4975% | 1,780 |
| Core capital (leverage) ratio | 11.9124% | 1,735 |
| Tier 1 risk-based capital ratio | 15.8998% | 2,670 |
| Total risk-based capital ratio | 17.1726% | 2,599 |
| Memoranda: | ||
| Average total assets | $135,731,000 | 3,756 |
| Average earning assets | $123,233,500 | 3,794 |
| Average equity | $16,689,500 | 3,624 |
| Average total loans | $75,863,000 | 3,933 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7674% | 4,064 |
| Cost of funding earning assets | 0.1765% | 5,359 |
| Net interest margin | 3.5909% | 3,133 |
| Noninterest income to average assets | 0.4438% | 3,569 |
| Noninterest expense to average assets | 2.4061% | 4,316 |
| Loan and lease loss provision to assets | 3.0167% | 21 |
| Net operating income to assets | -1.7041% | 6,004 |
| Return on assets (ROA) | -1.6403% | 6,002 |
| Pretax return on assets | -1.6403% | 5,999 |
| Return on Equity (ROE) | -13.4089% | 5,994 |
| Retained earnings to average equity (ytd only) | -32.3190% | 6,011 |
| Net charge-offs to loans | -0.0267% | 5,074 |
| Credit loss provision to net charge-offs | -20,800.0000% | 5,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7036% | 3,900 |
| Assets per employee ($millions) | 4.7491% | 2,633 |
| Cash dividends to net income (ytd only)* | -141.0256% | 6,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0398% | 73 |
| Loan loss allowance to noncurrent loans | 96.5593% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.4380% | 584 |
| Noncurrent loans to loans | 4.1838% | 267 |
| Net loans and leases to total assets | 54.6429% | 4,446 |
| Net loans and leases to deposits | 62.3451% | 4,628 |
| Net loans and leases to core deposits | 63.6972% | 4,766 |
| Total domestic deposits to total assets | 87.6459% | 1,601 |
| Equity capital to assets | 11.8315% | 2,246 |
| Core capital (leverage) ratio | 11.2499% | 2,195 |
| Tier 1 risk-based capital ratio | 15.8225% | 2,728 |
| Total risk-based capital ratio | 17.0961% | 2,653 |
| Memoranda: | ||
| Average total assets | $137,899,330 | 3,752 |
| Average earning assets | $125,764,000 | 3,766 |
| Average equity | $16,869,330 | 3,602 |
| Average total loans | $74,997,000 | 3,978 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 3,731 |
| Cost of funding earning assets | 0.1745% | 5,424 |
| Net interest margin | 3.6861% | 2,723 |
| Noninterest income to average assets | 0.4332% | 3,593 |
| Noninterest expense to average assets | 2.3140% | 4,619 |
| Loan and lease loss provision to assets | 1.8239% | 47 |
| Net operating income to assets | -0.3334% | 5,928 |
| Return on assets (ROA) | -0.3021% | 5,920 |
| Pretax return on assets | -0.3021% | 5,915 |
| Return on Equity (ROE) | -2.4315% | 5,919 |
| Retained earnings to average equity (ytd only) | -39.0194% | 6,056 |
| Net charge-offs to loans | -0.0429% | 5,258 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8240% | 4,631 |
| Assets per employee ($millions) | 4.9029% | 2,453 |
| Cash dividends to net income (ytd only)* | -1,504.7170% | 6,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1863% | 603 |
| Loan loss allowance to noncurrent loans | 1,796.6667% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,105 |
| Noncurrent loans to loans | 0.1217% | 4,987 |
| Net loans and leases to total assets | 52.6974% | 4,560 |
| Net loans and leases to deposits | 60.1715% | 4,704 |
| Net loans and leases to core deposits | 62.4983% | 4,784 |
| Total domestic deposits to total assets | 87.5787% | 1,876 |
| Equity capital to assets | 12.1387% | 1,933 |
| Core capital (leverage) ratio | 11.4317% | 2,021 |
| Tier 1 risk-based capital ratio | 17.0170% | 2,284 |
| Total risk-based capital ratio | 18.2716% | 2,237 |
| Memoranda: | ||
| Average total assets | $140,361,000 | 3,734 |
| Average earning assets | $128,375,000 | 3,744 |
| Average equity | $17,437,500 | 3,521 |
| Average total loans | $74,635,000 | 4,008 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,456 |
| Cost of funding earning assets | 0.1562% | 5,648 |
| Net interest margin | 3.5150% | 3,466 |
| Noninterest income to average assets | 0.4400% | 3,747 |
| Noninterest expense to average assets | 2.2386% | 4,951 |
| Loan and lease loss provision to assets | 0.0829% | 2,639 |
| Net operating income to assets | 1.3517% | 1,145 |
| Return on assets (ROA) | 1.4325% | 1,008 |
| Pretax return on assets | 1.4325% | 1,781 |
| Return on Equity (ROE) | 11.8202% | 1,346 |
| Retained earnings to average equity (ytd only) | 3.8413% | 3,305 |
| Net charge-offs to loans | -0.6130% | 6,103 |
| Credit loss provision to net charge-offs | -28.0374% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9440% | 4,768 |
| Assets per employee ($millions) | 5.1229% | 2,209 |
| Cash dividends to net income (ytd only)* | 67.5024% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,983 |
| Loan loss allowance to noncurrent loans | 553.7143% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 5,106 |
| Noncurrent loans to loans | 0.2324% | 4,592 |
| Net loans and leases to total assets | 51.8265% | 4,707 |
| Net loans and leases to deposits | 59.8559% | 4,789 |
| Net loans and leases to core deposits | 62.1186% | 4,870 |
| Total domestic deposits to total assets | 86.5855% | 2,334 |
| Equity capital to assets | 12.6957% | 1,510 |
| Core capital (leverage) ratio | 12.6152% | 1,302 |
| Tier 1 risk-based capital ratio | 18.6521% | 1,790 |
| Total risk-based capital ratio | 19.6635% | 1,801 |
| Memoranda: | ||
| Average total assets | $144,781,000 | 3,653 |
| Average earning assets | $133,173,200 | 3,646 |
| Average equity | $17,546,200 | 3,450 |
| Average total loans | $69,826,000 | 4,094 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 4,555 |
| Cost of funding earning assets | 0.1542% | 5,748 |
| Net interest margin | 3.5020% | 3,523 |
| Noninterest income to average assets | 0.4392% | 3,804 |
| Noninterest expense to average assets | 2.2409% | 4,937 |
| Loan and lease loss provision to assets | 0.1103% | 2,042 |
| Net operating income to assets | 1.3221% | 1,286 |
| Return on assets (ROA) | 1.3221% | 1,343 |
| Pretax return on assets | 1.3221% | 2,311 |
| Return on Equity (ROE) | 11.0392% | 1,692 |
| Retained earnings to average equity (ytd only) | 0.2992% | 5,521 |
| Net charge-offs to loans | -0.8395% | 6,196 |
| Credit loss provision to net charge-offs | -27.8422% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0055% | 4,729 |
| Assets per employee ($millions) | 4.9327% | 2,381 |
| Cash dividends to net income (ytd only)* | 97.2897% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 2,751 |
| Loan loss allowance to noncurrent loans | 790.2439% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 5,406 |
| Noncurrent loans to loans | 0.1730% | 4,961 |
| Net loans and leases to total assets | 49.0143% | 5,015 |
| Net loans and leases to deposits | 56.1748% | 5,113 |
| Net loans and leases to core deposits | 58.4932% | 5,162 |
| Total domestic deposits to total assets | 87.2532% | 1,917 |
| Equity capital to assets | 12.4098% | 1,792 |
| Core capital (leverage) ratio | 11.9885% | 1,678 |
| Tier 1 risk-based capital ratio | 18.7312% | 1,843 |
| Total risk-based capital ratio | 19.7876% | 1,851 |
| Memoranda: | ||
| Average total assets | $145,115,750 | 3,681 |
| Average earning assets | $134,015,500 | 3,664 |
| Average equity | $17,380,000 | 3,507 |
| Average total loans | $68,455,000 | 4,171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 4,756 |
| Cost of funding earning assets | 0.1509% | 5,839 |
| Net interest margin | 3.4359% | 3,769 |
| Noninterest income to average assets | 0.4458% | 3,735 |
| Noninterest expense to average assets | 2.2496% | 4,976 |
| Loan and lease loss provision to assets | 0.1646% | 1,279 |
| Net operating income to assets | 1.2181% | 1,548 |
| Return on assets (ROA) | 1.2181% | 1,627 |
| Pretax return on assets | 1.2181% | 2,704 |
| Return on Equity (ROE) | 10.2921% | 1,936 |
| Retained earnings to average equity (ytd only) | -5.9342% | 6,059 |
| Net charge-offs to loans | -1.2608% | 6,280 |
| Credit loss provision to net charge-offs | -28.1690% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9335% | 4,688 |
| Assets per employee ($millions) | 5.1518% | 2,092 |
| Cash dividends to net income (ytd only)* | 157.6577% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 2,487 |
| Loan loss allowance to noncurrent loans | 639.7351% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 5,450 |
| Noncurrent loans to loans | 0.2274% | 4,860 |
| Net loans and leases to total assets | 45.3729% | 5,297 |
| Net loans and leases to deposits | 51.5496% | 5,413 |
| Net loans and leases to core deposits | 53.7771% | 5,438 |
| Total domestic deposits to total assets | 88.0179% | 1,648 |
| Equity capital to assets | 11.7263% | 2,227 |
| Core capital (leverage) ratio | 11.7955% | 1,778 |
| Tier 1 risk-based capital ratio | 18.9057% | 1,809 |
| Total risk-based capital ratio | 20.0005% | 1,825 |
| Memoranda: | ||
| Average total assets | $145,805,000 | 3,697 |
| Average earning assets | $135,218,000 | 3,680 |
| Average equity | $17,256,000 | 3,530 |
| Average total loans | $67,578,000 | 4,228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 4,488 |
| Cost of funding earning assets | 0.1542% | 5,899 |
| Net interest margin | 3.5099% | 3,392 |
| Noninterest income to average assets | 0.4475% | 3,647 |
| Noninterest expense to average assets | 2.1612% | 5,251 |
| Loan and lease loss provision to assets | 0.1637% | 1,227 |
| Net operating income to assets | 1.3535% | 1,129 |
| Return on assets (ROA) | 1.3535% | 1,196 |
| Pretax return on assets | 1.3535% | 2,059 |
| Return on Equity (ROE) | 11.3850% | 1,520 |
| Retained earnings to average equity (ytd only) | -20.7500% | 6,279 |
| Net charge-offs to loans | -0.4636% | 6,228 |
| Credit loss provision to net charge-offs | -75.9494% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7537% | 5,249 |
| Assets per employee ($millions) | 4.9957% | 2,364 |
| Cash dividends to net income (ytd only)* | 282.2581% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 5,479 |
| Loan loss allowance to noncurrent loans | 85.3659% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 4,229 |
| Noncurrent loans to loans | 1.0377% | 2,690 |
| Net loans and leases to total assets | 43.2479% | 5,406 |
| Net loans and leases to deposits | 49.0796% | 5,509 |
| Net loans and leases to core deposits | 49.9637% | 5,594 |
| Total domestic deposits to total assets | 88.1180% | 1,749 |
| Equity capital to assets | 11.7254% | 2,262 |
| Core capital (leverage) ratio | 11.0000% | 2,411 |
| Tier 1 risk-based capital ratio | 19.8615% | 1,661 |
| Total risk-based capital ratio | 20.5442% | 1,748 |
| Memoranda: | ||
| Average total assets | $146,583,000 | 3,703 |
| Average earning assets | $134,931,500 | 3,705 |
| Average equity | $17,426,500 | 3,531 |
| Average total loans | $68,159,000 | 4,228 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,521 |
| Cost of funding earning assets | 0.1630% | 6,025 |
| Net interest margin | 3.8887% | 2,283 |
| Noninterest income to average assets | 0.8096% | 1,834 |
| Noninterest expense to average assets | 2.3162% | 5,073 |
| Loan and lease loss provision to assets | 0.3124% | 649 |
| Net operating income to assets | 1.8420% | 436 |
| Return on assets (ROA) | 1.8705% | 427 |
| Pretax return on assets | 1.8705% | 681 |
| Return on Equity (ROE) | 16.3773% | 572 |
| Retained earnings to average equity (ytd only) | 7.5199% | 1,187 |
| Net charge-offs to loans | 1.9652% | 99 |
| Credit loss provision to net charge-offs | 29.5858% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.0401% | 4,265 |
| Efficiency ratio | 51.8093% | 5,998 |
| Assets per employee ($millions) | 5.1135% | 2,180 |
| Cash dividends to net income (ytd only)* | 54.0831% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5759% | 6,172 |
| Loan loss allowance to noncurrent loans | 59.2958% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 4,201 |
| Noncurrent loans to loans | 0.9712% | 2,894 |
| Net loans and leases to total assets | 49.0128% | 5,063 |
| Net loans and leases to deposits | 55.7904% | 5,196 |
| Net loans and leases to core deposits | 56.7788% | 5,330 |
| Total domestic deposits to total assets | 87.8517% | 1,848 |
| Equity capital to assets | 12.0479% | 1,983 |
| Core capital (leverage) ratio | 11.8093% | 1,757 |
| Tier 1 risk-based capital ratio | 18.5103% | 1,987 |
| Total risk-based capital ratio | 18.9635% | 2,200 |
| Memoranda: | ||
| Average total assets | $144,028,000 | 3,724 |
| Average earning assets | $135,597,400 | 3,665 |
| Average equity | $16,449,600 | 3,610 |
| Average total loans | $77,395,000 | 3,958 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 3,343 |
| Cost of funding earning assets | 0.1639% | 6,103 |
| Net interest margin | 3.9438% | 2,062 |
| Noninterest income to average assets | 0.4943% | 3,584 |
| Noninterest expense to average assets | 2.2514% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9912% | 348 |
| Return on assets (ROA) | 2.0005% | 357 |
| Pretax return on assets | 2.0005% | 568 |
| Return on Equity (ROE) | 17.7685% | 465 |
| Retained earnings to average equity (ytd only) | 5.6992% | 2,607 |
| Net charge-offs to loans | 0.4027% | 983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.0085% | 2,727 |
| Efficiency ratio | 53.0666% | 5,915 |
| Assets per employee ($millions) | 4.8316% | 2,478 |
| Cash dividends to net income (ytd only)* | 67.9254% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 2,110 |
| Loan loss allowance to noncurrent loans | 51.6674% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7336% | 1,725 |
| Noncurrent loans to loans | 3.2086% | 788 |
| Net loans and leases to total assets | 53.1324% | 4,680 |
| Net loans and leases to deposits | 60.7210% | 4,874 |
| Net loans and leases to core deposits | 61.9246% | 5,038 |
| Total domestic deposits to total assets | 87.5025% | 2,029 |
| Equity capital to assets | 12.2127% | 1,900 |
| Core capital (leverage) ratio | 11.8606% | 1,784 |
| Tier 1 risk-based capital ratio | 18.1389% | 2,168 |
| Total risk-based capital ratio | 19.3900% | 2,124 |
| Memoranda: | ||
| Average total assets | $142,962,000 | 3,775 |
| Average earning assets | $135,871,250 | 3,689 |
| Average equity | $16,095,500 | 3,680 |
| Average total loans | $78,468,000 | 3,946 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 3,349 |
| Cost of funding earning assets | 0.1633% | 6,168 |
| Net interest margin | 3.9347% | 2,029 |
| Noninterest income to average assets | 0.5086% | 3,412 |
| Noninterest expense to average assets | 2.2347% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0249% | 320 |
| Return on assets (ROA) | 2.0388% | 329 |
| Pretax return on assets | 2.0388% | 510 |
| Return on Equity (ROE) | 18.6207% | 398 |
| Retained earnings to average equity (ytd only) | 0.1269% | 5,648 |
| Net charge-offs to loans | 0.0025% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,457.0000% | 32 |
| Efficiency ratio | 52.4633% | 6,034 |
| Assets per employee ($millions) | 4.8381% | 2,418 |
| Cash dividends to net income (ytd only)* | 99.3183% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 1,496 |
| Loan loss allowance to noncurrent loans | 75.1891% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 2,313 |
| Noncurrent loans to loans | 2.5730% | 1,199 |
| Net loans and leases to total assets | 53.8684% | 4,560 |
| Net loans and leases to deposits | 61.1439% | 4,770 |
| Net loans and leases to core deposits | 62.3453% | 4,943 |
| Total domestic deposits to total assets | 88.1009% | 1,848 |
| Equity capital to assets | 11.6988% | 2,240 |
| Core capital (leverage) ratio | 11.3201% | 2,142 |
| Tier 1 risk-based capital ratio | 17.4424% | 2,443 |
| Total risk-based capital ratio | 18.6975% | 2,410 |
| Memoranda: | ||
| Average total assets | $143,910,670 | 3,781 |
| Average earning assets | $137,189,000 | 3,687 |
| Average equity | $15,756,670 | 3,729 |
| Average total loans | $79,390,000 | 3,924 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 3,330 |
| Cost of funding earning assets | 0.1637% | 6,277 |
| Net interest margin | 3.9242% | 1,996 |
| Noninterest income to average assets | 0.5243% | 3,233 |
| Noninterest expense to average assets | 2.2510% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0231% | 329 |
| Return on assets (ROA) | 2.0479% | 321 |
| Pretax return on assets | 2.0479% | 478 |
| Return on Equity (ROE) | 19.3415% | 338 |
| Retained earnings to average equity (ytd only) | -18.4340% | 6,511 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6654% | 6,103 |
| Assets per employee ($millions) | 4.9951% | 2,256 |
| Cash dividends to net income (ytd only)* | 195.3083% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 1,785 |
| Loan loss allowance to noncurrent loans | 67.1467% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5339% | 2,305 |
| Noncurrent loans to loans | 2.8149% | 1,173 |
| Net loans and leases to total assets | 53.4624% | 4,495 |
| Net loans and leases to deposits | 59.7926% | 4,785 |
| Net loans and leases to core deposits | 60.9129% | 4,964 |
| Total domestic deposits to total assets | 89.4130% | 1,415 |
| Equity capital to assets | 10.4593% | 3,285 |
| Core capital (leverage) ratio | 10.3518% | 3,113 |
| Tier 1 risk-based capital ratio | 16.3152% | 2,999 |
| Total risk-based capital ratio | 17.5693% | 2,962 |
| Memoranda: | ||
| Average total assets | $145,713,500 | 3,772 |
| Average earning assets | $139,237,000 | 3,681 |
| Average equity | $15,428,000 | 3,788 |
| Average total loans | $80,549,500 | 3,917 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 4,114 |
| Cost of funding earning assets | 0.1919% | 6,327 |
| Net interest margin | 3.7998% | 2,661 |
| Noninterest income to average assets | 0.4170% | 4,322 |
| Noninterest expense to average assets | 2.2025% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8713% | 422 |
| Return on assets (ROA) | 1.8740% | 429 |
| Pretax return on assets | 1.8740% | 643 |
| Return on Equity (ROE) | 17.9489% | 413 |
| Retained earnings to average equity (ytd only) | 8.0141% | 1,051 |
| Net charge-offs to loans | -0.1271% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0655% | 6,132 |
| Assets per employee ($millions) | 5.0541% | 2,127 |
| Cash dividends to net income (ytd only)* | 55.3506% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 2,022 |
| Loan loss allowance to noncurrent loans | 48.2837% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.1068% | 1,697 |
| Noncurrent loans to loans | 3.7584% | 791 |
| Net loans and leases to total assets | 55.0399% | 4,455 |
| Net loans and leases to deposits | 61.6914% | 4,754 |
| Net loans and leases to core deposits | 62.8360% | 4,986 |
| Total domestic deposits to total assets | 89.2181% | 1,475 |
| Equity capital to assets | 10.7150% | 2,920 |
| Core capital (leverage) ratio | 10.8912% | 2,487 |
| Tier 1 risk-based capital ratio | 16.6609% | 2,780 |
| Total risk-based capital ratio | 17.9149% | 2,735 |
| Memoranda: | ||
| Average total assets | $144,609,000 | 3,793 |
| Average earning assets | $139,166,800 | 3,679 |
| Average equity | $15,098,400 | 3,848 |
| Average total loans | $81,069,800 | 3,902 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 4,376 |
| Cost of funding earning assets | 0.1974% | 6,409 |
| Net interest margin | 3.7355% | 2,904 |
| Noninterest income to average assets | 0.4043% | 4,501 |
| Noninterest expense to average assets | 2.0982% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9132% | 426 |
| Return on assets (ROA) | 1.9132% | 433 |
| Pretax return on assets | 1.9132% | 690 |
| Return on Equity (ROE) | 18.4472% | 406 |
| Retained earnings to average equity (ytd only) | 5.0667% | 3,030 |
| Net charge-offs to loans | -0.3366% | 6,739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3063% | 6,236 |
| Assets per employee ($millions) | 5.0674% | 2,089 |
| Cash dividends to net income (ytd only)* | 72.5340% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 1,768 |
| Loan loss allowance to noncurrent loans | 52.1611% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.1524% | 1,857 |
| Noncurrent loans to loans | 3.7984% | 953 |
| Net loans and leases to total assets | 55.5431% | 4,387 |
| Net loans and leases to deposits | 62.2912% | 4,715 |
| Net loans and leases to core deposits | 63.4860% | 4,951 |
| Total domestic deposits to total assets | 89.1668% | 1,467 |
| Equity capital to assets | 10.5886% | 3,175 |
| Core capital (leverage) ratio | 10.6193% | 2,871 |
| Tier 1 risk-based capital ratio | 16.5714% | 2,909 |
| Total risk-based capital ratio | 17.8277% | 2,872 |
| Memoranda: | ||
| Average total assets | $144,118,750 | 3,841 |
| Average earning assets | $139,166,000 | 3,710 |
| Average equity | $14,946,750 | 3,926 |
| Average total loans | $80,796,500 | 3,948 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,938 |
| Cost of funding earning assets | 0.2027% | 6,461 |
| Net interest margin | 3.5651% | 3,499 |
| Noninterest income to average assets | 0.3824% | 4,652 |
| Noninterest expense to average assets | 2.0889% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7410% | 585 |
| Return on assets (ROA) | 1.7410% | 632 |
| Pretax return on assets | 1.7410% | 1,033 |
| Return on Equity (ROE) | 16.9024% | 565 |
| Retained earnings to average equity (ytd only) | -3.2035% | 6,333 |
| Net charge-offs to loans | -0.5116% | 6,826 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5422% | 6,100 |
| Assets per employee ($millions) | 5.1506% | 1,933 |
| Cash dividends to net income (ytd only)* | 118.9532% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 1,873 |
| Loan loss allowance to noncurrent loans | 50.7795% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.1794% | 1,978 |
| Noncurrent loans to loans | 3.9193% | 1,009 |
| Net loans and leases to total assets | 54.4984% | 4,520 |
| Net loans and leases to deposits | 60.6638% | 4,898 |
| Net loans and leases to core deposits | 61.7985% | 5,113 |
| Total domestic deposits to total assets | 89.8368% | 1,131 |
| Equity capital to assets | 9.9725% | 3,954 |
| Core capital (leverage) ratio | 10.0611% | 3,431 |
| Tier 1 risk-based capital ratio | 15.9789% | 3,206 |
| Total risk-based capital ratio | 17.2355% | 3,145 |
| Memoranda: | ||
| Average total assets | $144,862,330 | 3,858 |
| Average earning assets | $140,079,000 | 3,719 |
| Average equity | $14,921,000 | 3,958 |
| Average total loans | $80,928,000 | 3,962 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 5,042 |
| Cost of funding earning assets | 0.2068% | 6,542 |
| Net interest margin | 3.5274% | 3,588 |
| Noninterest income to average assets | 0.3967% | 4,480 |
| Noninterest expense to average assets | 1.9809% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8459% | 440 |
| Return on assets (ROA) | 1.8459% | 486 |
| Pretax return on assets | 1.8459% | 812 |
| Return on Equity (ROE) | 17.6426% | 459 |
| Retained earnings to average equity (ytd only) | -21.8558% | 6,853 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7639% | 6,395 |
| Assets per employee ($millions) | 4.7049% | 2,645 |
| Cash dividends to net income (ytd only)* | 223.8806% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 2,879 |
| Loan loss allowance to noncurrent loans | 34.1110% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.7919% | 1,624 |
| Noncurrent loans to loans | 5.0697% | 741 |
| Net loans and leases to total assets | 54.1168% | 4,396 |
| Net loans and leases to deposits | 60.2665% | 4,763 |
| Net loans and leases to core deposits | 61.5015% | 5,000 |
| Total domestic deposits to total assets | 89.7959% | 1,168 |
| Equity capital to assets | 10.0876% | 4,032 |
| Core capital (leverage) ratio | 9.5016% | 4,076 |
| Tier 1 risk-based capital ratio | 15.4074% | 3,589 |
| Total risk-based capital ratio | 16.6606% | 3,543 |
| Memoranda: | ||
| Average total assets | $145,185,000 | 3,892 |
| Average earning assets | $141,180,500 | 3,746 |
| Average equity | $15,190,500 | 3,957 |
| Average total loans | $81,296,000 | 3,980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 4,193 |
| Cost of funding earning assets | 0.3223% | 6,346 |
| Net interest margin | 3.9763% | 2,486 |
| Noninterest income to average assets | 0.3879% | 4,701 |
| Noninterest expense to average assets | 2.2088% | 5,907 |
| Loan and lease loss provision to assets | 0.2460% | 2,685 |
| Net operating income to assets | 1.7310% | 582 |
| Return on assets (ROA) | 1.7310% | 651 |
| Pretax return on assets | 1.7310% | 1,070 |
| Return on Equity (ROE) | 16.8498% | 554 |
| Retained earnings to average equity (ytd only) | 3.1675% | 3,998 |
| Net charge-offs to loans | 0.4906% | 2,270 |
| Credit loss provision to net charge-offs | 83.7321% | 3,701 |
| Earnings coverage of net charge-offs (x) | 6.7297% | 2,757 |
| Efficiency ratio | 52.7703% | 6,396 |
| Assets per employee ($millions) | 4.8172% | 2,468 |
| Cash dividends to net income (ytd only)* | 81.2018% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 2,971 |
| Loan loss allowance to noncurrent loans | 33.6564% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8557% | 1,675 |
| Noncurrent loans to loans | 5.0163% | 794 |
| Net loans and leases to total assets | 55.9678% | 4,296 |
| Net loans and leases to deposits | 62.8310% | 4,679 |
| Net loans and leases to core deposits | 64.2816% | 4,926 |
| Total domestic deposits to total assets | 89.0767% | 1,507 |
| Equity capital to assets | 10.8416% | 3,129 |
| Core capital (leverage) ratio | 10.1039% | 3,269 |
| Tier 1 risk-based capital ratio | 16.1945% | 3,047 |
| Total risk-based capital ratio | 17.4475% | 3,003 |
| Memoranda: | ||
| Average total assets | $142,291,600 | 3,912 |
| Average earning assets | $135,906,000 | 3,796 |
| Average equity | $14,617,400 | 4,039 |
| Average total loans | $85,200,600 | 3,872 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 4,169 |
| Cost of funding earning assets | 0.3451% | 6,402 |
| Net interest margin | 4.0246% | 2,398 |
| Noninterest income to average assets | 0.3895% | 4,716 |
| Noninterest expense to average assets | 2.2360% | 5,863 |
| Loan and lease loss provision to assets | 0.3292% | 1,993 |
| Net operating income to assets | 1.6425% | 774 |
| Return on assets (ROA) | 1.6425% | 853 |
| Pretax return on assets | 1.6425% | 1,445 |
| Return on Equity (ROE) | 16.2172% | 714 |
| Retained earnings to average equity (ytd only) | -2.3592% | 6,432 |
| Net charge-offs to loans | 0.6361% | 1,731 |
| Credit loss provision to net charge-offs | 85.3659% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.1122% | 3,108 |
| Efficiency ratio | 53.1411% | 6,337 |
| Assets per employee ($millions) | 4.6819% | 2,625 |
| Cash dividends to net income (ytd only)* | 114.5476% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 3,454 |
| Loan loss allowance to noncurrent loans | 27.2852% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 3.6766% | 1,349 |
| Noncurrent loans to loans | 5.9288% | 696 |
| Net loans and leases to total assets | 60.4894% | 3,675 |
| Net loans and leases to deposits | 68.0734% | 4,171 |
| Net loans and leases to core deposits | 69.8537% | 4,510 |
| Total domestic deposits to total assets | 88.8591% | 1,508 |
| Equity capital to assets | 10.8582% | 3,436 |
| Core capital (leverage) ratio | 10.0715% | 3,442 |
| Tier 1 risk-based capital ratio | 13.5910% | 4,827 |
| Total risk-based capital ratio | 14.8426% | 4,779 |
| Memoranda: | ||
| Average total assets | $141,735,250 | 3,960 |
| Average earning assets | $134,468,250 | 3,864 |
| Average equity | $14,354,750 | 4,133 |
| Average total loans | $85,932,750 | 3,889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 4,418 |
| Cost of funding earning assets | 0.3602% | 6,463 |
| Net interest margin | 3.9802% | 2,589 |
| Noninterest income to average assets | 0.3827% | 4,774 |
| Noninterest expense to average assets | 2.2594% | 5,847 |
| Loan and lease loss provision to assets | 0.2814% | 2,329 |
| Net operating income to assets | 1.6193% | 812 |
| Return on assets (ROA) | 1.6193% | 899 |
| Pretax return on assets | 1.6193% | 1,493 |
| Return on Equity (ROE) | 16.3773% | 715 |
| Retained earnings to average equity (ytd only) | -12.0803% | 6,891 |
| Net charge-offs to loans | 0.5595% | 1,915 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 5.6292% | 2,793 |
| Efficiency ratio | 54.3118% | 6,291 |
| Assets per employee ($millions) | 4.6511% | 2,636 |
| Cash dividends to net income (ytd only)* | 173.7619% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 3,491 |
| Loan loss allowance to noncurrent loans | 30.7175% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 3.3060% | 1,636 |
| Noncurrent loans to loans | 5.3126% | 894 |
| Net loans and leases to total assets | 61.2145% | 3,588 |
| Net loans and leases to deposits | 68.3632% | 4,142 |
| Net loans and leases to core deposits | 70.1468% | 4,521 |
| Total domestic deposits to total assets | 89.5431% | 1,199 |
| Equity capital to assets | 10.2448% | 3,996 |
| Core capital (leverage) ratio | 9.6440% | 3,936 |
| Tier 1 risk-based capital ratio | 13.2624% | 4,994 |
| Total risk-based capital ratio | 14.5142% | 4,959 |
| Memoranda: | ||
| Average total assets | $142,161,670 | 3,967 |
| Average earning assets | $134,917,000 | 3,868 |
| Average equity | $14,056,000 | 4,184 |
| Average total loans | $85,791,000 | 3,914 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 4,028 |
| Cost of funding earning assets | 0.3756% | 6,523 |
| Net interest margin | 4.0940% | 2,116 |
| Noninterest income to average assets | 0.3931% | 4,721 |
| Noninterest expense to average assets | 2.2666% | 5,863 |
| Loan and lease loss provision to assets | 0.2509% | 2,453 |
| Net operating income to assets | 1.7648% | 642 |
| Return on assets (ROA) | 1.7648% | 720 |
| Pretax return on assets | 1.7648% | 1,165 |
| Return on Equity (ROE) | 18.1681% | 530 |
| Retained earnings to average equity (ytd only) | -39.2351% | 7,181 |
| Net charge-offs to loans | 0.2768% | 2,563 |
| Credit loss provision to net charge-offs | 152.5424% | 1,644 |
| Earnings coverage of net charge-offs (x) | 12.2542% | 1,617 |
| Efficiency ratio | 52.9297% | 6,445 |
| Assets per employee ($millions) | 4.7417% | 2,601 |
| Cash dividends to net income (ytd only)* | 315.9558% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 3,092 |
| Loan loss allowance to noncurrent loans | 38.0563% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.7627% | 2,121 |
| Noncurrent loans to loans | 4.6514% | 1,233 |
| Net loans and leases to total assets | 58.0467% | 4,025 |
| Net loans and leases to deposits | 64.1406% | 4,614 |
| Net loans and leases to core deposits | 65.4897% | 4,971 |
| Total domestic deposits to total assets | 90.4992% | 807 |
| Equity capital to assets | 9.3497% | 5,030 |
| Core capital (leverage) ratio | 8.6742% | 5,342 |
| Tier 1 risk-based capital ratio | 11.9792% | 5,974 |
| Total risk-based capital ratio | 13.2314% | 5,967 |
| Memoranda: | ||
| Average total assets | $143,475,500 | 3,983 |
| Average earning assets | $136,297,500 | 3,876 |
| Average equity | $13,936,500 | 4,212 |
| Average total loans | $85,270,500 | 3,967 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 5,401 |
| Cost of funding earning assets | 0.5114% | 6,479 |
| Net interest margin | 3.8944% | 3,361 |
| Noninterest income to average assets | 0.4384% | 4,308 |
| Noninterest expense to average assets | 2.4363% | 5,677 |
| Loan and lease loss provision to assets | 0.1087% | 5,239 |
| Net operating income to assets | 1.5798% | 697 |
| Return on assets (ROA) | 1.5972% | 725 |
| Pretax return on assets | 1.5972% | 1,210 |
| Return on Equity (ROE) | 16.1966% | 572 |
| Retained earnings to average equity (ytd only) | 8.0101% | 1,074 |
| Net charge-offs to loans | -0.0111% | 6,896 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0654% | 5,893 |
| Assets per employee ($millions) | 4.5219% | 2,872 |
| Cash dividends to net income (ytd only)* | 50.5445% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,256 |
| Loan loss allowance to noncurrent loans | 46.2100% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 2,757 |
| Noncurrent loans to loans | 3.6459% | 1,736 |
| Net loans and leases to total assets | 58.7588% | 4,236 |
| Net loans and leases to deposits | 65.4328% | 4,814 |
| Net loans and leases to core deposits | 66.8186% | 5,173 |
| Total domestic deposits to total assets | 89.8003% | 1,097 |
| Equity capital to assets | 10.0712% | 4,073 |
| Core capital (leverage) ratio | 9.5681% | 3,920 |
| Tier 1 risk-based capital ratio | 13.0132% | 5,059 |
| Total risk-based capital ratio | 14.2651% | 5,031 |
| Memoranda: | ||
| Average total assets | $137,994,200 | 4,011 |
| Average earning assets | $130,622,800 | 3,915 |
| Average equity | $13,607,800 | 4,214 |
| Average total loans | $80,973,200 | 4,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 5,437 |
| Cost of funding earning assets | 0.5385% | 6,550 |
| Net interest margin | 3.9094% | 3,337 |
| Noninterest income to average assets | 0.4548% | 4,260 |
| Noninterest expense to average assets | 2.4051% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7488% | 567 |
| Return on assets (ROA) | 1.7723% | 598 |
| Pretax return on assets | 1.7723% | 1,008 |
| Return on Equity (ROE) | 18.0746% | 449 |
| Retained earnings to average equity (ytd only) | 6.9625% | 1,988 |
| Net charge-offs to loans | -0.0569% | 7,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8997% | 6,024 |
| Assets per employee ($millions) | 4.4885% | 2,939 |
| Cash dividends to net income (ytd only)* | 61.4792% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 3,366 |
| Loan loss allowance to noncurrent loans | 37.9487% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.5225% | 2,561 |
| Noncurrent loans to loans | 4.4084% | 1,475 |
| Net loans and leases to total assets | 56.2636% | 4,803 |
| Net loans and leases to deposits | 62.9385% | 5,299 |
| Net loans and leases to core deposits | 65.0146% | 5,522 |
| Total domestic deposits to total assets | 89.3945% | 1,196 |
| Equity capital to assets | 10.2835% | 3,979 |
| Core capital (leverage) ratio | 9.5662% | 4,047 |
| Tier 1 risk-based capital ratio | 13.2661% | 4,903 |
| Total risk-based capital ratio | 14.5172% | 4,874 |
| Memoranda: | ||
| Average total assets | $136,317,750 | 4,077 |
| Average earning assets | $128,985,750 | 3,973 |
| Average equity | $13,366,500 | 4,278 |
| Average total loans | $79,596,250 | 4,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 5,819 |
| Cost of funding earning assets | 0.5588% | 6,630 |
| Net interest margin | 3.8030% | 3,769 |
| Noninterest income to average assets | 0.4550% | 4,245 |
| Noninterest expense to average assets | 2.4628% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6222% | 703 |
| Return on assets (ROA) | 1.6222% | 744 |
| Pretax return on assets | 1.6222% | 1,213 |
| Return on Equity (ROE) | 16.8246% | 572 |
| Retained earnings to average equity (ytd only) | -0.2452% | 5,890 |
| Net charge-offs to loans | -0.1282% | 7,214 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2893% | 5,825 |
| Assets per employee ($millions) | 4.4777% | 2,883 |
| Cash dividends to net income (ytd only)* | 101.4572% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,458 |
| Loan loss allowance to noncurrent loans | 46.6944% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0813% | 3,141 |
| Noncurrent loans to loans | 3.5529% | 1,991 |
| Net loans and leases to total assets | 57.6087% | 4,707 |
| Net loans and leases to deposits | 63.9314% | 5,284 |
| Net loans and leases to core deposits | 66.0249% | 5,513 |
| Total domestic deposits to total assets | 90.1102% | 917 |
| Equity capital to assets | 9.6384% | 4,615 |
| Core capital (leverage) ratio | 9.4325% | 4,056 |
| Tier 1 risk-based capital ratio | 12.2693% | 5,548 |
| Total risk-based capital ratio | 13.5197% | 5,534 |
| Memoranda: | ||
| Average total assets | $135,375,330 | 4,119 |
| Average earning assets | $129,212,670 | 4,005 |
| Average equity | $13,052,330 | 4,330 |
| Average total loans | $79,588,330 | 4,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 5,704 |
| Cost of funding earning assets | 0.5858% | 6,664 |
| Net interest margin | 3.8123% | 3,553 |
| Noninterest income to average assets | 0.4938% | 3,941 |
| Noninterest expense to average assets | 2.5498% | 5,390 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5861% | 714 |
| Return on assets (ROA) | 1.5861% | 760 |
| Pretax return on assets | 1.5861% | 1,224 |
| Return on Equity (ROE) | 16.4481% | 631 |
| Retained earnings to average equity (ytd only) | -18.1240% | 7,120 |
| Net charge-offs to loans | -0.2591% | 7,313 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6498% | 5,733 |
| Assets per employee ($millions) | 4.2929% | 3,262 |
| Cash dividends to net income (ytd only)* | 210.1887% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 3,163 |
| Loan loss allowance to noncurrent loans | 104.9805% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0031% | 4,898 |
| Noncurrent loans to loans | 1.6697% | 3,980 |
| Net loans and leases to total assets | 56.8173% | 4,844 |
| Net loans and leases to deposits | 62.9385% | 5,394 |
| Net loans and leases to core deposits | 64.8037% | 5,639 |
| Total domestic deposits to total assets | 90.2743% | 974 |
| Equity capital to assets | 9.5062% | 4,427 |
| Core capital (leverage) ratio | 8.9714% | 4,657 |
| Tier 1 risk-based capital ratio | 12.2629% | 5,467 |
| Total risk-based capital ratio | 13.5145% | 5,463 |
| Memoranda: | ||
| Average total assets | $133,658,500 | 4,179 |
| Average earning assets | $127,692,500 | 4,067 |
| Average equity | $12,889,000 | 4,366 |
| Average total loans | $78,725,000 | 4,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 4,522 |
| Cost of funding earning assets | 0.7081% | 6,859 |
| Net interest margin | 4.3000% | 1,820 |
| Noninterest income to average assets | 0.5015% | 4,151 |
| Noninterest expense to average assets | 2.6315% | 5,291 |
| Loan and lease loss provision to assets | 0.2763% | 4,599 |
| Net operating income to assets | 1.6591% | 562 |
| Return on assets (ROA) | 1.8671% | 393 |
| Pretax return on assets | 1.8671% | 656 |
| Return on Equity (ROE) | 19.0579% | 310 |
| Retained earnings to average equity (ytd only) | 11.5437% | 320 |
| Net charge-offs to loans | 0.2177% | 4,989 |
| Credit loss provision to net charge-offs | 197.7528% | 1,600 |
| Earnings coverage of net charge-offs (x) | 13.8539% | 1,386 |
| Efficiency ratio | 57.6216% | 6,384 |
| Assets per employee ($millions) | 4.4745% | 2,918 |
| Cash dividends to net income (ytd only)* | 39.4283% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,529 |
| Loan loss allowance to noncurrent loans | 90.0763% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 4,761 |
| Noncurrent loans to loans | 1.7903% | 3,829 |
| Net loans and leases to total assets | 58.9931% | 4,844 |
| Net loans and leases to deposits | 65.8479% | 5,423 |
| Net loans and leases to core deposits | 68.1169% | 5,649 |
| Total domestic deposits to total assets | 89.5900% | 1,332 |
| Equity capital to assets | 9.7790% | 4,022 |
| Core capital (leverage) ratio | 9.5956% | 3,562 |
| Tier 1 risk-based capital ratio | 12.0579% | 5,419 |
| Total risk-based capital ratio | 13.2909% | 5,419 |
| Memoranda: | ||
| Average total assets | $127,418,400 | 4,328 |
| Average earning assets | $120,463,800 | 4,215 |
| Average equity | $12,483,000 | 4,483 |
| Average total loans | $81,756,000 | 4,290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0975% | 4,328 |
| Cost of funding earning assets | 0.7282% | 6,982 |
| Net interest margin | 4.3693% | 1,617 |
| Noninterest income to average assets | 0.5186% | 4,037 |
| Noninterest expense to average assets | 2.6642% | 5,034 |
| Loan and lease loss provision to assets | 0.3733% | 3,655 |
| Net operating income to assets | 1.6110% | 735 |
| Return on assets (ROA) | 1.8921% | 462 |
| Pretax return on assets | 1.8921% | 784 |
| Return on Equity (ROE) | 19.3038% | 361 |
| Retained earnings to average equity (ytd only) | 9.1541% | 1,006 |
| Net charge-offs to loans | 0.2258% | 4,577 |
| Credit loss provision to net charge-offs | 253.2374% | 1,314 |
| Earnings coverage of net charge-offs (x) | 13.4603% | 1,580 |
| Efficiency ratio | 57.3123% | 6,374 |
| Assets per employee ($millions) | 4.2452% | 3,362 |
| Cash dividends to net income (ytd only)* | 52.5786% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,724 |
| Loan loss allowance to noncurrent loans | 80.5422% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 4,465 |
| Noncurrent loans to loans | 1.9280% | 3,771 |
| Net loans and leases to total assets | 66.5546% | 3,557 |
| Net loans and leases to deposits | 74.6473% | 4,408 |
| Net loans and leases to core deposits | 77.3927% | 4,877 |
| Total domestic deposits to total assets | 89.1588% | 1,308 |
| Equity capital to assets | 10.0513% | 4,092 |
| Core capital (leverage) ratio | 9.6792% | 3,653 |
| Tier 1 risk-based capital ratio | 11.9145% | 5,538 |
| Total risk-based capital ratio | 13.1653% | 5,515 |
| Memoranda: | ||
| Average total assets | $125,714,000 | 4,425 |
| Average earning assets | $118,827,000 | 4,311 |
| Average equity | $12,322,000 | 4,594 |
| Average total loans | $82,073,000 | 4,347 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 4,162 |
| Cost of funding earning assets | 0.7475% | 7,071 |
| Net interest margin | 4.4085% | 1,425 |
| Noninterest income to average assets | 0.5321% | 3,857 |
| Noninterest expense to average assets | 2.6141% | 5,266 |
| Loan and lease loss provision to assets | 0.3835% | 3,414 |
| Net operating income to assets | 1.6810% | 607 |
| Return on assets (ROA) | 2.0485% | 334 |
| Pretax return on assets | 2.0485% | 552 |
| Return on Equity (ROE) | 21.0815% | 254 |
| Retained earnings to average equity (ytd only) | 6.3310% | 2,150 |
| Net charge-offs to loans | 0.0273% | 5,949 |
| Credit loss provision to net charge-offs | 2,181.8182% | 187 |
| Earnings coverage of net charge-offs (x) | 117.4545% | 288 |
| Efficiency ratio | 55.8743% | 6,650 |
| Assets per employee ($millions) | 4.1527% | 3,478 |
| Cash dividends to net income (ytd only)* | 69.9688% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,553 |
| Loan loss allowance to noncurrent loans | 37.3551% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 2.9555% | 2,415 |
| Noncurrent loans to loans | 4.2205% | 1,765 |
| Net loans and leases to total assets | 67.7995% | 3,422 |
| Net loans and leases to deposits | 75.5888% | 4,405 |
| Net loans and leases to core deposits | 78.2266% | 4,911 |
| Total domestic deposits to total assets | 89.6951% | 1,074 |
| Equity capital to assets | 9.8618% | 4,180 |
| Core capital (leverage) ratio | 9.3871% | 3,979 |
| Tier 1 risk-based capital ratio | 12.1437% | 5,177 |
| Total risk-based capital ratio | 13.3961% | 5,156 |
| Memoranda: | ||
| Average total assets | $125,166,330 | 4,469 |
| Average earning assets | $117,726,670 | 4,374 |
| Average equity | $12,162,330 | 4,638 |
| Average total loans | $80,731,000 | 4,426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 3,992 |
| Cost of funding earning assets | 0.7400% | 7,250 |
| Net interest margin | 4.4640% | 1,226 |
| Noninterest income to average assets | 0.5420% | 3,709 |
| Noninterest expense to average assets | 2.5538% | 5,535 |
| Loan and lease loss provision to assets | 0.2869% | 3,732 |
| Net operating income to assets | 1.8939% | 412 |
| Return on assets (ROA) | 2.4837% | 169 |
| Pretax return on assets | 2.4837% | 259 |
| Return on Equity (ROE) | 25.7510% | 142 |
| Retained earnings to average equity (ytd only) | -3.9007% | 6,486 |
| Net charge-offs to loans | 0.1228% | 4,235 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 902 |
| Efficiency ratio | 53.9394% | 6,978 |
| Assets per employee ($millions) | 3.8376% | 4,230 |
| Cash dividends to net income (ytd only)* | 115.1476% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,889 |
| Loan loss allowance to noncurrent loans | 235.6436% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 6,288 |
| Noncurrent loans to loans | 0.6381% | 6,047 |
| Net loans and leases to total assets | 65.5241% | 3,980 |
| Net loans and leases to deposits | 74.2061% | 4,708 |
| Net loans and leases to core deposits | 76.2076% | 5,230 |
| Total domestic deposits to total assets | 88.3001% | 1,904 |
| Equity capital to assets | 9.9616% | 3,916 |
| Core capital (leverage) ratio | 9.0130% | 4,544 |
| Tier 1 risk-based capital ratio | 12.7002% | 4,560 |
| Total risk-based capital ratio | 13.9515% | 4,523 |
| Memoranda: | ||
| Average total assets | $125,458,500 | 4,513 |
| Average earning assets | $117,830,500 | 4,426 |
| Average equity | $12,100,500 | 4,695 |
| Average total loans | $78,187,000 | 4,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 5,687 |
| Cost of funding earning assets | 0.9458% | 7,317 |
| Net interest margin | 4.2456% | 1,912 |
| Noninterest income to average assets | 0.5877% | 3,735 |
| Noninterest expense to average assets | 2.5832% | 5,850 |
| Loan and lease loss provision to assets | 0.4327% | 4,231 |
| Net operating income to assets | 1.5900% | 562 |
| Return on assets (ROA) | 1.6691% | 503 |
| Pretax return on assets | 1.6691% | 837 |
| Return on Equity (ROE) | 17.8868% | 377 |
| Retained earnings to average equity (ytd only) | 9.9548% | 379 |
| Net charge-offs to loans | 0.0781% | 6,326 |
| Credit loss provision to net charge-offs | 990.5660% | 296 |
| Earnings coverage of net charge-offs (x) | 46.3019% | 554 |
| Efficiency ratio | 56.0845% | 7,005 |
| Assets per employee ($millions) | 4.3983% | 3,113 |
| Cash dividends to net income (ytd only)* | 44.3457% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,944 |
| Loan loss allowance to noncurrent loans | 187.9599% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 6,321 |
| Noncurrent loans to loans | 0.7743% | 5,723 |
| Net loans and leases to total assets | 57.6794% | 5,711 |
| Net loans and leases to deposits | 70.2985% | 5,569 |
| Net loans and leases to core deposits | 80.7846% | 6,018 |
| Total domestic deposits to total assets | 82.0493% | 4,926 |
| Equity capital to assets | 9.3596% | 4,618 |
| Core capital (leverage) ratio | 9.0220% | 4,381 |
| Tier 1 risk-based capital ratio | 12.3130% | 4,666 |
| Total risk-based capital ratio | 13.5430% | 4,655 |
| Memoranda: | ||
| Average total assets | $121,323,000 | 4,525 |
| Average earning assets | $114,824,600 | 4,428 |
| Average equity | $11,321,200 | 4,929 |
| Average total loans | $67,846,800 | 4,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 5,794 |
| Cost of funding earning assets | 1.0198% | 7,347 |
| Net interest margin | 4.2005% | 2,060 |
| Noninterest income to average assets | 0.5989% | 3,722 |
| Noninterest expense to average assets | 2.6247% | 5,621 |
| Loan and lease loss provision to assets | 0.2697% | 4,807 |
| Net operating income to assets | 1.7078% | 554 |
| Return on assets (ROA) | 1.8157% | 458 |
| Pretax return on assets | 1.8157% | 778 |
| Return on Equity (ROE) | 19.4741% | 340 |
| Retained earnings to average equity (ytd only) | 8.6525% | 929 |
| Net charge-offs to loans | 0.0183% | 6,657 |
| Credit loss provision to net charge-offs | 2,666.6667% | 151 |
| Earnings coverage of net charge-offs (x) | 195.5508% | 200 |
| Efficiency ratio | 57.0313% | 6,872 |
| Assets per employee ($millions) | 3.8649% | 4,036 |
| Cash dividends to net income (ytd only)* | 55.5692% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,793 |
| Loan loss allowance to noncurrent loans | 490.5556% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 7,165 |
| Noncurrent loans to loans | 0.2556% | 6,872 |
| Net loans and leases to total assets | 58.0364% | 5,884 |
| Net loans and leases to deposits | 67.4263% | 6,177 |
| Net loans and leases to core deposits | 78.2644% | 6,462 |
| Total domestic deposits to total assets | 86.0739% | 2,672 |
| Equity capital to assets | 9.9156% | 4,196 |
| Core capital (leverage) ratio | 9.1667% | 4,388 |
| Tier 1 risk-based capital ratio | 13.6862% | 3,723 |
| Total risk-based capital ratio | 14.8007% | 3,748 |
| Memoranda: | ||
| Average total assets | $118,666,250 | 4,634 |
| Average earning assets | $113,096,000 | 4,513 |
| Average equity | $11,064,000 | 5,052 |
| Average total loans | $65,500,500 | 5,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 6,068 |
| Cost of funding earning assets | 1.1250% | 7,315 |
| Net interest margin | 4.0781% | 2,396 |
| Noninterest income to average assets | 0.5833% | 3,810 |
| Noninterest expense to average assets | 2.6157% | 5,681 |
| Loan and lease loss provision to assets | 0.2029% | 5,026 |
| Net operating income to assets | 1.6384% | 635 |
| Return on assets (ROA) | 1.8007% | 505 |
| Pretax return on assets | 1.8007% | 850 |
| Return on Equity (ROE) | 19.7368% | 353 |
| Retained earnings to average equity (ytd only) | 3.0949% | 3,595 |
| Net charge-offs to loans | 0.0251% | 6,135 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 136.1250% | 292 |
| Efficiency ratio | 58.6874% | 6,737 |
| Assets per employee ($millions) | 3.9162% | 3,850 |
| Cash dividends to net income (ytd only)* | 84.3192% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,646 |
| Loan loss allowance to noncurrent loans | 214.0056% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 6,709 |
| Noncurrent loans to loans | 0.5112% | 6,248 |
| Net loans and leases to total assets | 58.7956% | 5,861 |
| Net loans and leases to deposits | 68.9980% | 6,092 |
| Net loans and leases to core deposits | 79.9333% | 6,412 |
| Total domestic deposits to total assets | 85.2134% | 3,155 |
| Equity capital to assets | 9.4463% | 4,681 |
| Core capital (leverage) ratio | 8.8566% | 4,852 |
| Tier 1 risk-based capital ratio | 13.0991% | 4,073 |
| Total risk-based capital ratio | 14.0714% | 4,187 |
| Memoranda: | ||
| Average total assets | $118,284,670 | 4,681 |
| Average earning assets | $112,355,330 | 4,558 |
| Average equity | $10,792,000 | 5,141 |
| Average total loans | $63,861,670 | 5,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 5,966 |
| Cost of funding earning assets | 1.1903% | 7,322 |
| Net interest margin | 4.0914% | 2,310 |
| Noninterest income to average assets | 0.5696% | 3,764 |
| Noninterest expense to average assets | 2.5682% | 5,578 |
| Loan and lease loss provision to assets | 0.2022% | 4,423 |
| Net operating income to assets | 1.6683% | 692 |
| Return on assets (ROA) | 1.6851% | 732 |
| Pretax return on assets | 1.6851% | 1,206 |
| Return on Equity (ROE) | 18.7988% | 523 |
| Retained earnings to average equity (ytd only) | -14.9638% | 7,435 |
| Net charge-offs to loans | 0.0131% | 5,423 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 277.5000% | 148 |
| Efficiency ratio | 57.8588% | 6,723 |
| Assets per employee ($millions) | 3.9238% | 3,822 |
| Cash dividends to net income (ytd only)* | 179.6000% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 4,770 |
| Loan loss allowance to noncurrent loans | 710.0000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 7,085 |
| Noncurrent loans to loans | 0.1698% | 7,040 |
| Net loans and leases to total assets | 49.4410% | 6,905 |
| Net loans and leases to deposits | 54.6300% | 7,245 |
| Net loans and leases to core deposits | 62.7374% | 7,363 |
| Total domestic deposits to total assets | 90.5016% | 589 |
| Equity capital to assets | 8.9046% | 5,468 |
| Core capital (leverage) ratio | 8.2470% | 6,007 |
| Tier 1 risk-based capital ratio | 13.7202% | 3,729 |
| Total risk-based capital ratio | 14.7215% | 3,805 |
| Memoranda: | ||
| Average total assets | $118,684,500 | 4,688 |
| Average earning assets | $112,236,500 | 4,582 |
| Average equity | $10,639,000 | 5,205 |
| Average total loans | $60,872,500 | 5,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 6,277 |
| Cost of funding earning assets | 1.7518% | 7,129 |
| Net interest margin | 4.0930% | 2,741 |
| Noninterest income to average assets | 0.7280% | 2,921 |
| Noninterest expense to average assets | 2.7252% | 5,153 |
| Loan and lease loss provision to assets | 0.0979% | 6,136 |
| Net operating income to assets | 1.7435% | 618 |
| Return on assets (ROA) | 1.9571% | 375 |
| Pretax return on assets | 1.9571% | 684 |
| Return on Equity (ROE) | 22.5257% | 234 |
| Retained earnings to average equity (ytd only) | 14.7405% | 98 |
| Net charge-offs to loans | 0.0384% | 6,254 |
| Credit loss provision to net charge-offs | 523.8095% | 831 |
| Earnings coverage of net charge-offs (x) | 98.5238% | 440 |
| Efficiency ratio | 59.6765% | 6,405 |
| Assets per employee ($millions) | 3.9885% | 3,547 |
| Cash dividends to net income (ytd only)* | 34.5612% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 5,729 |
| Loan loss allowance to noncurrent loans | 645.5446% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 7,158 |
| Noncurrent loans to loans | 0.1607% | 6,925 |
| Net loans and leases to total assets | 51.9694% | 6,847 |
| Net loans and leases to deposits | 61.5976% | 6,978 |
| Net loans and leases to core deposits | 71.7579% | 7,093 |
| Total domestic deposits to total assets | 84.3692% | 3,146 |
| Equity capital to assets | 9.0226% | 5,344 |
| Core capital (leverage) ratio | 8.4925% | 5,590 |
| Tier 1 risk-based capital ratio | 13.3801% | 3,884 |
| Total risk-based capital ratio | 14.2417% | 4,031 |
| Memoranda: | ||
| Average total assets | $112,360,600 | 4,711 |
| Average earning assets | $105,376,200 | 4,632 |
| Average equity | $9,762,200 | 5,491 |
| Average total loans | $54,626,400 | 5,506 |