Home > Western Bank > Performance and Condition Ratios
Western Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 3,498 |
| Cost of funding earning assets | 0.1539% | 4,370 |
| Net interest margin | 4.6167% | 530 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 1.7351% | 4,001 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 2.8036% | 167 |
| Return on assets (ROA) | 2.8036% | 169 |
| Pretax return on assets | 2.8036% | 229 |
| Return on Equity (ROE) | 37.1000% | 66 |
| Retained earnings to average equity (ytd only) | 22.1211% | 117 |
| Net charge-offs to loans | 0.0511% | 1,148 |
| Credit loss provision to net charge-offs | 394.7368% | 611 |
| Earnings coverage of net charge-offs (x) | 134.3158% | 576 |
| Efficiency ratio | 37.5275% | 4,324 |
| Assets per employee ($millions) | 14.6691% | 245 |
| Cash dividends to net income (ytd only)* | 40.3714% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 1,833 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 43.7400% | 3,849 |
| Net loans and leases to deposits | 48.0934% | 3,936 |
| Net loans and leases to core deposits | 49.5313% | 3,990 |
| Total domestic deposits to total assets | 90.9400% | 540 |
| Equity capital to assets | 8.2237% | 3,477 |
| Core capital (leverage) ratio | 9.8099% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7761% | 1,111 |
| Memoranda: | ||
| Average total assets | $353,402,500 | 2,247 |
| Average earning assets | $337,818,000 | 2,192 |
| Average equity | $26,707,500 | 2,596 |
| Average total loans | $148,584,500 | 2,780 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 2,761 |
| Cost of funding earning assets | 0.1560% | 4,387 |
| Net interest margin | 5.0291% | 320 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 1.7318% | 4,046 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 3.1955% | 122 |
| Return on assets (ROA) | 3.1955% | 126 |
| Pretax return on assets | 3.1955% | 160 |
| Return on Equity (ROE) | 45.2100% | 35 |
| Retained earnings to average equity (ytd only) | 15.0670% | 131 |
| Net charge-offs to loans | 0.0391% | 1,801 |
| Credit loss provision to net charge-offs | 263.1579% | 959 |
| Earnings coverage of net charge-offs (x) | 203.9298% | 501 |
| Efficiency ratio | 34.5532% | 4,390 |
| Assets per employee ($millions) | 16.0615% | 180 |
| Cash dividends to net income (ytd only)* | 66.6726% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 1,923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 39.4800% | 4,024 |
| Net loans and leases to deposits | 42.7409% | 4,100 |
| Net loans and leases to core deposits | 43.8833% | 4,134 |
| Total domestic deposits to total assets | 92.3800% | 233 |
| Equity capital to assets | 6.9486% | 3,988 |
| Core capital (leverage) ratio | 8.3877% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7148% | 1,336 |
| Memoranda: | ||
| Average total assets | $354,370,400 | 2,219 |
| Average earning assets | $339,784,000 | 2,162 |
| Average equity | $25,048,200 | 2,631 |
| Average total loans | $145,719,200 | 2,768 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 2,757 |
| Cost of funding earning assets | 0.1577% | 4,426 |
| Net interest margin | 4.9976% | 335 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 1.6595% | 4,119 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 3.2366% | 124 |
| Return on assets (ROA) | 3.2366% | 126 |
| Pretax return on assets | 3.2366% | 169 |
| Return on Equity (ROE) | 45.5900% | 37 |
| Retained earnings to average equity (ytd only) | 26.5717% | 40 |
| Net charge-offs to loans | 0.0193% | 1,979 |
| Credit loss provision to net charge-offs | 357.1429% | 784 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 287 |
| Efficiency ratio | 33.3130% | 4,423 |
| Assets per employee ($millions) | 16.8620% | 157 |
| Cash dividends to net income (ytd only)* | 41.7107% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,059 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 39.0700% | 4,054 |
| Net loans and leases to deposits | 42.5818% | 4,142 |
| Net loans and leases to core deposits | 43.7208% | 4,179 |
| Total domestic deposits to total assets | 91.7500% | 217 |
| Equity capital to assets | 7.6207% | 3,913 |
| Core capital (leverage) ratio | 9.2389% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4519% | 1,195 |
| Memoranda: | ||
| Average total assets | $350,609,250 | 2,224 |
| Average earning assets | $336,498,750 | 2,170 |
| Average equity | $24,893,000 | 2,627 |
| Average total loans | $145,223,500 | 2,762 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 2,664 |
| Cost of funding earning assets | 0.1601% | 4,437 |
| Net interest margin | 4.9891% | 338 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 1.6630% | 4,128 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 3.2138% | 134 |
| Return on assets (ROA) | 3.2138% | 136 |
| Pretax return on assets | 3.2138% | 180 |
| Return on Equity (ROE) | 46.3900% | 41 |
| Retained earnings to average equity (ytd only) | 27.2865% | 45 |
| Net charge-offs to loans | 0.0235% | 1,689 |
| Credit loss provision to net charge-offs | 882.3529% | 439 |
| Earnings coverage of net charge-offs (x) | 333.8235% | 358 |
| Efficiency ratio | 33.5013% | 4,445 |
| Assets per employee ($millions) | 15.5053% | 188 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 1,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.1300% | 3,939 |
| Net loans and leases to deposits | 46.8757% | 4,044 |
| Net loans and leases to core deposits | 48.3157% | 4,088 |
| Total domestic deposits to total assets | 92.0100% | 269 |
| Equity capital to assets | 7.4511% | 3,749 |
| Core capital (leverage) ratio | 8.8056% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8203% | 1,316 |
| Memoranda: | ||
| Average total assets | $343,828,667 | 2,240 |
| Average earning assets | $329,797,667 | 2,190 |
| Average equity | $23,821,333 | 2,659 |
| Average total loans | $144,720,000 | 2,765 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 2,798 |
| Cost of funding earning assets | 0.1594% | 4,460 |
| Net interest margin | 4.8302% | 400 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.6049% | 4,188 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 3.1067% | 153 |
| Return on assets (ROA) | 3.1067% | 154 |
| Pretax return on assets | 3.1067% | 201 |
| Return on Equity (ROE) | 46.5800% | 46 |
| Retained earnings to average equity (ytd only) | 29.2049% | 64 |
| Net charge-offs to loans | 0.0112% | 1,675 |
| Credit loss provision to net charge-offs | 1,875.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 689.0000% | 146 |
| Efficiency ratio | 33.4460% | 4,442 |
| Assets per employee ($millions) | 16.2251% | 173 |
| Cash dividends to net income (ytd only)* | 37.2995% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 1,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 38.5900% | 4,072 |
| Net loans and leases to deposits | 41.5796% | 4,152 |
| Net loans and leases to core deposits | 42.7853% | 4,230 |
| Total domestic deposits to total assets | 92.8100% | 210 |
| Equity capital to assets | 6.6286% | 4,049 |
| Core capital (leverage) ratio | 8.5948% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2993% | 1,454 |
| Memoranda: | ||
| Average total assets | $345,184,500 | 2,233 |
| Average earning assets | $331,334,000 | 2,185 |
| Average equity | $23,023,500 | 2,715 |
| Average total loans | $142,578,500 | 2,787 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 2,611 |
| Cost of funding earning assets | 0.1370% | 4,471 |
| Net interest margin | 4.5926% | 533 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.6918% | 4,142 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.7066% | 208 |
| Return on assets (ROA) | 2.6959% | 205 |
| Pretax return on assets | 2.6959% | 281 |
| Return on Equity (ROE) | 43.4300% | 71 |
| Retained earnings to average equity (ytd only) | 14.8311% | 332 |
| Net charge-offs to loans | 0.5474% | 183 |
| Credit loss provision to net charge-offs | 89.6373% | 1,952 |
| Earnings coverage of net charge-offs (x) | 12.4495% | 2,149 |
| Efficiency ratio | 36.7114% | 4,425 |
| Assets per employee ($millions) | 14.4963% | 232 |
| Cash dividends to net income (ytd only)* | 65.8487% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,284 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.1400% | 3,930 |
| Net loans and leases to deposits | 46.5103% | 4,031 |
| Net loans and leases to core deposits | 48.3541% | 4,114 |
| Total domestic deposits to total assets | 92.7600% | 199 |
| Equity capital to assets | 6.7141% | 4,044 |
| Core capital (leverage) ratio | 8.4776% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5374% | 1,671 |
| Memoranda: | ||
| Average total assets | $329,531,600 | 2,270 |
| Average earning assets | $314,486,600 | 2,225 |
| Average equity | $20,457,000 | 2,824 |
| Average total loans | $141,028,200 | 2,758 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 2,544 |
| Cost of funding earning assets | 0.1264% | 4,498 |
| Net interest margin | 4.5391% | 585 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.6200% | 4,218 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.8126% | 203 |
| Return on assets (ROA) | 2.7984% | 203 |
| Pretax return on assets | 2.7984% | 281 |
| Return on Equity (ROE) | 46.0300% | 86 |
| Retained earnings to average equity (ytd only) | 28.0080% | 109 |
| Net charge-offs to loans | 0.1735% | 498 |
| Credit loss provision to net charge-offs | 167.5824% | 1,240 |
| Earnings coverage of net charge-offs (x) | 39.7582% | 1,450 |
| Efficiency ratio | 35.5540% | 4,455 |
| Assets per employee ($millions) | 12.8211% | 312 |
| Cash dividends to net income (ytd only)* | 39.1531% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,482 |
| Loan loss allowance to noncurrent loans | 335.7388% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,331 |
| Noncurrent loans to loans | 0.4142% | 1,796 |
| Net loans and leases to total assets | 45.0300% | 3,870 |
| Net loans and leases to deposits | 48.5215% | 3,987 |
| Net loans and leases to core deposits | 50.3670% | 4,031 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 6.6876% | 3,760 |
| Core capital (leverage) ratio | 8.9991% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0052% | 1,317 |
| Memoranda: | ||
| Average total assets | $328,560,500 | 2,278 |
| Average earning assets | $313,360,500 | 2,231 |
| Average equity | $19,974,750 | 2,849 |
| Average total loans | $139,887,500 | 2,776 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 2,547 |
| Cost of funding earning assets | 0.1100% | 4,511 |
| Net interest margin | 4.4312% | 675 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.5880% | 4,267 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 2.7421% | 188 |
| Return on assets (ROA) | 2.7212% | 192 |
| Pretax return on assets | 2.7212% | 276 |
| Return on Equity (ROE) | 46.1700% | 76 |
| Retained earnings to average equity (ytd only) | 27.9665% | 89 |
| Net charge-offs to loans | 0.2334% | 352 |
| Credit loss provision to net charge-offs | 122.6994% | 1,321 |
| Earnings coverage of net charge-offs (x) | 29.4479% | 1,559 |
| Efficiency ratio | 35.6913% | 4,481 |
| Assets per employee ($millions) | 13.6305% | 255 |
| Cash dividends to net income (ytd only)* | 39.4304% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,784 |
| Loan loss allowance to noncurrent loans | 320.9622% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,356 |
| Noncurrent loans to loans | 0.4157% | 1,685 |
| Net loans and leases to total assets | 40.5300% | 4,021 |
| Net loans and leases to deposits | 43.4086% | 4,123 |
| Net loans and leases to core deposits | 44.9551% | 4,147 |
| Total domestic deposits to total assets | 93.3700% | 200 |
| Equity capital to assets | 6.2563% | 4,084 |
| Core capital (leverage) ratio | 8.0348% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7621% | 1,632 |
| Memoranda: | ||
| Average total assets | $335,512,000 | 2,253 |
| Average earning assets | $320,097,333 | 2,223 |
| Average equity | $19,773,667 | 2,886 |
| Average total loans | $139,678,000 | 2,773 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,712 |
| Cost of funding earning assets | 0.0985% | 4,536 |
| Net interest margin | 4.2386% | 889 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.5489% | 4,355 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.5979% | 218 |
| Return on assets (ROA) | 2.5558% | 227 |
| Pretax return on assets | 2.5558% | 334 |
| Return on Equity (ROE) | 44.7800% | 95 |
| Retained earnings to average equity (ytd only) | 25.8302% | 164 |
| Net charge-offs to loans | 0.4329% | 188 |
| Credit loss provision to net charge-offs | 62.9139% | 1,272 |
| Earnings coverage of net charge-offs (x) | 14.9470% | 1,557 |
| Efficiency ratio | 36.3508% | 4,532 |
| Assets per employee ($millions) | 12.0038% | 396 |
| Cash dividends to net income (ytd only)* | 42.3131% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,228 |
| Loan loss allowance to noncurrent loans | 208.7059% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 1,859 |
| Noncurrent loans to loans | 0.6051% | 1,232 |
| Net loans and leases to total assets | 41.2600% | 3,985 |
| Net loans and leases to deposits | 44.0442% | 4,099 |
| Net loans and leases to core deposits | 45.5525% | 4,127 |
| Total domestic deposits to total assets | 93.6900% | 203 |
| Equity capital to assets | 5.9413% | 4,224 |
| Core capital (leverage) ratio | 8.0014% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0218% | 1,970 |
| Memoranda: | ||
| Average total assets | $332,886,500 | 2,298 |
| Average earning assets | $316,711,500 | 2,269 |
| Average equity | $19,001,000 | 2,977 |
| Average total loans | $139,523,000 | 2,805 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 2,722 |
| Cost of funding earning assets | 0.0922% | 4,424 |
| Net interest margin | 3.5332% | 1,829 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.4130% | 4,501 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 2.0953% | 248 |
| Return on assets (ROA) | 2.0953% | 239 |
| Pretax return on assets | 2.0953% | 382 |
| Return on Equity (ROE) | 33.0100% | 86 |
| Retained earnings to average equity (ytd only) | 9.4648% | 1,328 |
| Net charge-offs to loans | 0.3988% | 188 |
| Credit loss provision to net charge-offs | 58.3658% | 1,787 |
| Earnings coverage of net charge-offs (x) | 12.8852% | 2,094 |
| Efficiency ratio | 39.1660% | 4,557 |
| Assets per employee ($millions) | 12.2099% | 366 |
| Cash dividends to net income (ytd only)* | 71.3269% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,802 |
| Loan loss allowance to noncurrent loans | 182.7345% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 1,640 |
| Noncurrent loans to loans | 0.7230% | 1,041 |
| Net loans and leases to total assets | 41.4800% | 4,006 |
| Net loans and leases to deposits | 44.0995% | 4,112 |
| Net loans and leases to core deposits | 45.6761% | 4,129 |
| Total domestic deposits to total assets | 94.0600% | 236 |
| Equity capital to assets | 5.4701% | 4,245 |
| Core capital (leverage) ratio | 7.4223% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6640% | 2,100 |
| Memoranda: | ||
| Average total assets | $301,766,600 | 2,443 |
| Average earning assets | $286,197,800 | 2,410 |
| Average equity | $19,155,200 | 3,023 |
| Average total loans | $128,888,800 | 2,842 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 3,089 |
| Cost of funding earning assets | 0.0872% | 4,315 |
| Net interest margin | 3.0975% | 2,546 |
| Noninterest income to average assets | 0.2729% | 3,533 |
| Noninterest expense to average assets | 1.4388% | 4,492 |
| Loan and lease loss provision to assets | 0.1050% | 951 |
| Net operating income to assets | 1.6634% | 471 |
| Return on assets (ROA) | 1.6634% | 464 |
| Pretax return on assets | 1.6634% | 815 |
| Return on Equity (ROE) | 23.3085% | 155 |
| Retained earnings to average equity (ytd only) | 8.5997% | 1,399 |
| Net charge-offs to loans | 0.0915% | 617 |
| Credit loss provision to net charge-offs | 263.1579% | 849 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 1,209 |
| Efficiency ratio | 44.8614% | 4,498 |
| Assets per employee ($millions) | 12.1176% | 368 |
| Cash dividends to net income (ytd only)* | 63.1048% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 1,134 |
| Loan loss allowance to noncurrent loans | 147.1763% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 1,068 |
| Noncurrent loans to loans | 1.0919% | 756 |
| Net loans and leases to total assets | 43.1915% | 3,892 |
| Net loans and leases to deposits | 46.1092% | 4,022 |
| Net loans and leases to core deposits | 48.4329% | 4,009 |
| Total domestic deposits to total assets | 93.6723% | 347 |
| Equity capital to assets | 5.9659% | 4,210 |
| Core capital (leverage) ratio | 7.7514% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9785% | 2,069 |
| Memoranda: | ||
| Average total assets | $285,802,333 | 2,558 |
| Average earning assets | $270,738,667 | 2,536 |
| Average equity | $20,396,000 | 3,031 |
| Average total loans | $124,530,000 | 2,900 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1014% | 2,981 |
| Cost of funding earning assets | 0.0823% | 4,330 |
| Net interest margin | 3.0191% | 2,441 |
| Noninterest income to average assets | 0.2770% | 3,483 |
| Noninterest expense to average assets | 1.4601% | 4,469 |
| Loan and lease loss provision to assets | 0.1082% | 770 |
| Net operating income to assets | 1.5655% | 557 |
| Return on assets (ROA) | 1.5655% | 552 |
| Pretax return on assets | 1.5655% | 890 |
| Return on Equity (ROE) | 20.1322% | 226 |
| Retained earnings to average equity (ytd only) | 6.2159% | 2,171 |
| Net charge-offs to loans | 0.1729% | 346 |
| Credit loss provision to net charge-offs | 144.2308% | 876 |
| Earnings coverage of net charge-offs (x) | 22.3077% | 1,240 |
| Efficiency ratio | 46.5930% | 4,467 |
| Assets per employee ($millions) | 11.3841% | 462 |
| Cash dividends to net income (ytd only)* | 69.1244% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 1,078 |
| Loan loss allowance to noncurrent loans | 129.3492% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 1,071 |
| Noncurrent loans to loans | 1.3023% | 671 |
| Net loans and leases to total assets | 42.3894% | 3,859 |
| Net loans and leases to deposits | 45.7348% | 3,993 |
| Net loans and leases to core deposits | 48.2184% | 3,974 |
| Total domestic deposits to total assets | 92.6852% | 350 |
| Equity capital to assets | 6.9325% | 4,241 |
| Core capital (leverage) ratio | 8.3339% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7028% | 1,915 |
| Memoranda: | ||
| Average total assets | $277,234,000 | 2,614 |
| Average earning assets | $262,333,500 | 2,600 |
| Average equity | $21,557,500 | 3,014 |
| Average total loans | $120,304,500 | 2,941 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 2,115 |
| Cost of funding earning assets | 0.0997% | 4,386 |
| Net interest margin | 3.5992% | 1,471 |
| Noninterest income to average assets | 0.2992% | 3,608 |
| Noninterest expense to average assets | 1.7025% | 4,293 |
| Loan and lease loss provision to assets | 0.1194% | 1,042 |
| Net operating income to assets | 1.8656% | 445 |
| Return on assets (ROA) | 1.8656% | 471 |
| Pretax return on assets | 1.8656% | 794 |
| Return on Equity (ROE) | 20.0337% | 308 |
| Retained earnings to average equity (ytd only) | 4.0119% | 3,217 |
| Net charge-offs to loans | 0.0096% | 2,210 |
| Credit loss provision to net charge-offs | 2,727.2727% | 245 |
| Earnings coverage of net charge-offs (x) | 453.5455% | 296 |
| Efficiency ratio | 46.1696% | 4,491 |
| Assets per employee ($millions) | 10.7946% | 539 |
| Cash dividends to net income (ytd only)* | 79.9744% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 971 |
| Loan loss allowance to noncurrent loans | 119.0338% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 926 |
| Noncurrent loans to loans | 1.4572% | 632 |
| Net loans and leases to total assets | 42.9309% | 3,918 |
| Net loans and leases to deposits | 47.2334% | 4,037 |
| Net loans and leases to core deposits | 49.9795% | 4,016 |
| Total domestic deposits to total assets | 90.8910% | 531 |
| Equity capital to assets | 8.6654% | 3,920 |
| Core capital (leverage) ratio | 8.2164% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1469% | 1,798 |
| Memoranda: | ||
| Average total assets | $251,339,800 | 2,715 |
| Average earning assets | $236,607,800 | 2,703 |
| Average equity | $23,405,600 | 2,947 |
| Average total loans | $114,377,000 | 3,005 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 2,706 |
| Cost of funding earning assets | 0.1033% | 4,470 |
| Net interest margin | 3.4412% | 2,037 |
| Noninterest income to average assets | 0.2972% | 3,666 |
| Noninterest expense to average assets | 1.6300% | 4,424 |
| Loan and lease loss provision to assets | 0.1216% | 968 |
| Net operating income to assets | 1.7856% | 686 |
| Return on assets (ROA) | 1.7856% | 721 |
| Pretax return on assets | 1.7856% | 1,192 |
| Return on Equity (ROE) | 18.8171% | 535 |
| Retained earnings to average equity (ytd only) | 6.0028% | 2,818 |
| Net charge-offs to loans | 0.0047% | 2,165 |
| Credit loss provision to net charge-offs | 5,625.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 882.2500% | 183 |
| Efficiency ratio | 46.0810% | 4,499 |
| Assets per employee ($millions) | 11.3885% | 437 |
| Cash dividends to net income (ytd only)* | 68.0993% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 937 |
| Loan loss allowance to noncurrent loans | 115.0175% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 1,152 |
| Noncurrent loans to loans | 1.5617% | 665 |
| Net loans and leases to total assets | 37.9436% | 4,303 |
| Net loans and leases to deposits | 41.6365% | 4,389 |
| Net loans and leases to core deposits | 44.0505% | 4,378 |
| Total domestic deposits to total assets | 91.1307% | 327 |
| Equity capital to assets | 8.3140% | 4,330 |
| Core capital (leverage) ratio | 8.5692% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7514% | 1,701 |
| Memoranda: | ||
| Average total assets | $246,708,250 | 2,774 |
| Average earning assets | $232,279,750 | 2,753 |
| Average equity | $23,410,750 | 2,983 |
| Average total loans | $113,496,000 | 3,059 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 2,251 |
| Cost of funding earning assets | 0.1126% | 4,487 |
| Net interest margin | 3.6189% | 1,549 |
| Noninterest income to average assets | 0.3076% | 3,588 |
| Noninterest expense to average assets | 1.6912% | 4,370 |
| Loan and lease loss provision to assets | 0.1282% | 977 |
| Net operating income to assets | 1.8937% | 597 |
| Return on assets (ROA) | 1.8937% | 624 |
| Pretax return on assets | 1.8937% | 1,036 |
| Return on Equity (ROE) | 19.0019% | 545 |
| Retained earnings to average equity (ytd only) | 6.1396% | 2,747 |
| Net charge-offs to loans | 0.0052% | 1,955 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 788.6667% | 177 |
| Efficiency ratio | 45.5466% | 4,537 |
| Assets per employee ($millions) | 8.9680% | 869 |
| Cash dividends to net income (ytd only)* | 67.6895% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,324 |
| Loan loss allowance to noncurrent loans | 110.6519% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 1,014 |
| Noncurrent loans to loans | 1.4287% | 815 |
| Net loans and leases to total assets | 50.7548% | 3,478 |
| Net loans and leases to deposits | 56.7720% | 3,656 |
| Net loans and leases to core deposits | 60.6892% | 3,573 |
| Total domestic deposits to total assets | 89.4012% | 1,080 |
| Equity capital to assets | 10.1112% | 2,754 |
| Core capital (leverage) ratio | 9.3201% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0885% | 1,317 |
| Memoranda: | ||
| Average total assets | $234,040,333 | 2,853 |
| Average earning assets | $220,233,667 | 2,826 |
| Average equity | $23,324,000 | 2,985 |
| Average total loans | $114,659,333 | 3,058 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 2,176 |
| Cost of funding earning assets | 0.1179% | 4,535 |
| Net interest margin | 3.6561% | 1,434 |
| Noninterest income to average assets | 0.2985% | 3,621 |
| Noninterest expense to average assets | 1.6752% | 4,424 |
| Loan and lease loss provision to assets | 0.1279% | 1,073 |
| Net operating income to assets | 1.9345% | 627 |
| Return on assets (ROA) | 1.9345% | 673 |
| Pretax return on assets | 1.9345% | 1,059 |
| Return on Equity (ROE) | 19.5534% | 564 |
| Retained earnings to average equity (ytd only) | 6.6213% | 2,688 |
| Net charge-offs to loans | 0.0215% | 1,305 |
| Credit loss provision to net charge-offs | 1,250.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 395 |
| Efficiency ratio | 44.8197% | 4,535 |
| Assets per employee ($millions) | 8.6929% | 912 |
| Cash dividends to net income (ytd only)* | 66.1376% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,527 |
| Loan loss allowance to noncurrent loans | 104.9482% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 1,088 |
| Noncurrent loans to loans | 1.4513% | 866 |
| Net loans and leases to total assets | 50.2443% | 3,603 |
| Net loans and leases to deposits | 55.9100% | 3,798 |
| Net loans and leases to core deposits | 60.0186% | 3,697 |
| Total domestic deposits to total assets | 89.8665% | 886 |
| Equity capital to assets | 9.8024% | 2,894 |
| Core capital (leverage) ratio | 9.2563% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9692% | 1,907 |
| Memoranda: | ||
| Average total assets | $234,476,500 | 2,830 |
| Average earning assets | $220,563,000 | 2,816 |
| Average equity | $23,198,000 | 2,979 |
| Average total loans | $111,866,500 | 3,102 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 2,870 |
| Cost of funding earning assets | 0.1515% | 4,724 |
| Net interest margin | 3.8021% | 1,495 |
| Noninterest income to average assets | 0.2927% | 3,730 |
| Noninterest expense to average assets | 1.7585% | 4,533 |
| Loan and lease loss provision to assets | 0.1795% | 2,147 |
| Net operating income to assets | 1.9685% | 279 |
| Return on assets (ROA) | 1.9994% | 279 |
| Pretax return on assets | 1.9994% | 455 |
| Return on Equity (ROE) | 20.8375% | 197 |
| Retained earnings to average equity (ytd only) | 4.0901% | 2,764 |
| Net charge-offs to loans | 0.2617% | 665 |
| Credit loss provision to net charge-offs | 150.3497% | 2,423 |
| Earnings coverage of net charge-offs (x) | 17.9895% | 2,044 |
| Efficiency ratio | 45.0144% | 4,757 |
| Assets per employee ($millions) | 8.6758% | 837 |
| Cash dividends to net income (ytd only)* | 80.3717% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,068 |
| Loan loss allowance to noncurrent loans | 100.6307% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 1,251 |
| Noncurrent loans to loans | 1.6772% | 772 |
| Net loans and leases to total assets | 43.6409% | 4,268 |
| Net loans and leases to deposits | 48.6791% | 4,368 |
| Net loans and leases to core deposits | 51.6830% | 4,357 |
| Total domestic deposits to total assets | 89.6502% | 700 |
| Equity capital to assets | 9.9848% | 3,142 |
| Core capital (leverage) ratio | 8.9460% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8311% | 1,589 |
| Memoranda: | ||
| Average total assets | $239,520,000 | 2,662 |
| Average earning assets | $227,665,800 | 2,616 |
| Average equity | $22,982,600 | 2,940 |
| Average total loans | $109,289,600 | 3,103 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 3,673 |
| Cost of funding earning assets | 0.1545% | 4,793 |
| Net interest margin | 3.5997% | 2,272 |
| Noninterest income to average assets | 0.2834% | 3,788 |
| Noninterest expense to average assets | 1.5285% | 4,782 |
| Loan and lease loss provision to assets | 0.1412% | 2,606 |
| Net operating income to assets | 2.0456% | 266 |
| Return on assets (ROA) | 2.0500% | 291 |
| Pretax return on assets | 2.0500% | 471 |
| Return on Equity (ROE) | 21.5778% | 191 |
| Retained earnings to average equity (ytd only) | 6.4331% | 1,909 |
| Net charge-offs to loans | 0.2182% | 701 |
| Credit loss provision to net charge-offs | 140.8840% | 2,376 |
| Earnings coverage of net charge-offs (x) | 21.8232% | 1,850 |
| Efficiency ratio | 41.1414% | 4,869 |
| Assets per employee ($millions) | 9.2202% | 651 |
| Cash dividends to net income (ytd only)* | 70.1863% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 1,937 |
| Loan loss allowance to noncurrent loans | 96.5083% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 1,503 |
| Noncurrent loans to loans | 1.4028% | 1,033 |
| Net loans and leases to total assets | 49.3472% | 4,126 |
| Net loans and leases to deposits | 58.5732% | 4,137 |
| Net loans and leases to core deposits | 62.1848% | 4,093 |
| Total domestic deposits to total assets | 84.2488% | 2,730 |
| Equity capital to assets | 9.5579% | 3,638 |
| Core capital (leverage) ratio | 8.4778% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2234% | 2,099 |
| Memoranda: | ||
| Average total assets | $240,838,500 | 2,620 |
| Average earning assets | $229,605,250 | 2,585 |
| Average equity | $22,881,000 | 2,946 |
| Average total loans | $110,616,500 | 3,101 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 3,889 |
| Cost of funding earning assets | 0.1581% | 4,861 |
| Net interest margin | 3.6295% | 2,381 |
| Noninterest income to average assets | 0.2822% | 3,775 |
| Noninterest expense to average assets | 1.5008% | 4,847 |
| Loan and lease loss provision to assets | 0.1512% | 2,492 |
| Net operating income to assets | 2.0996% | 265 |
| Return on assets (ROA) | 2.1064% | 290 |
| Pretax return on assets | 2.1064% | 433 |
| Return on Equity (ROE) | 22.2176% | 159 |
| Retained earnings to average equity (ytd only) | 8.9207% | 1,029 |
| Net charge-offs to loans | 0.3284% | 495 |
| Credit loss provision to net charge-offs | 103.4483% | 2,373 |
| Earnings coverage of net charge-offs (x) | 15.4023% | 1,911 |
| Efficiency ratio | 40.0045% | 4,917 |
| Assets per employee ($millions) | 9.6553% | 557 |
| Cash dividends to net income (ytd only)* | 59.8485% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 1,974 |
| Loan loss allowance to noncurrent loans | 93.9640% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 1,491 |
| Noncurrent loans to loans | 1.3901% | 1,115 |
| Net loans and leases to total assets | 46.9261% | 4,315 |
| Net loans and leases to deposits | 55.1517% | 4,327 |
| Net loans and leases to core deposits | 58.4218% | 4,335 |
| Total domestic deposits to total assets | 85.0855% | 2,361 |
| Equity capital to assets | 9.0666% | 4,028 |
| Core capital (leverage) ratio | 8.3098% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2740% | 2,075 |
| Memoranda: | ||
| Average total assets | $238,136,000 | 2,619 |
| Average earning assets | $227,635,333 | 2,569 |
| Average equity | $22,576,667 | 2,957 |
| Average total loans | $105,977,333 | 3,150 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,769 |
| Cost of funding earning assets | 0.1632% | 4,953 |
| Net interest margin | 3.8422% | 1,839 |
| Noninterest income to average assets | 0.3350% | 3,517 |
| Noninterest expense to average assets | 1.5269% | 4,900 |
| Loan and lease loss provision to assets | 0.1851% | 1,620 |
| Net operating income to assets | 2.3169% | 149 |
| Return on assets (ROA) | 2.3310% | 159 |
| Pretax return on assets | 2.3310% | 226 |
| Return on Equity (ROE) | 23.9851% | 81 |
| Retained earnings to average equity (ytd only) | 10.3597% | 673 |
| Net charge-offs to loans | 0.1443% | 876 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 40.5429% | 1,019 |
| Efficiency ratio | 37.8993% | 5,011 |
| Assets per employee ($millions) | 9.3597% | 466 |
| Cash dividends to net income (ytd only)* | 56.8079% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 913 |
| Loan loss allowance to noncurrent loans | 65.4086% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 1,071 |
| Noncurrent loans to loans | 2.5590% | 458 |
| Net loans and leases to total assets | 42.2023% | 4,584 |
| Net loans and leases to deposits | 46.7633% | 4,701 |
| Net loans and leases to core deposits | 49.6156% | 4,688 |
| Total domestic deposits to total assets | 90.2467% | 255 |
| Equity capital to assets | 9.6794% | 4,061 |
| Core capital (leverage) ratio | 9.3419% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8015% | 1,396 |
| Memoranda: | ||
| Average total assets | $226,857,500 | 2,655 |
| Average earning assets | $218,105,500 | 2,585 |
| Average equity | $22,047,000 | 2,993 |
| Average total loans | $96,990,000 | 3,262 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 3,832 |
| Cost of funding earning assets | 0.1636% | 5,025 |
| Net interest margin | 4.0274% | 1,762 |
| Noninterest income to average assets | 0.3408% | 3,668 |
| Noninterest expense to average assets | 1.6059% | 4,947 |
| Loan and lease loss provision to assets | 0.1924% | 1,065 |
| Net operating income to assets | 2.3984% | 154 |
| Return on assets (ROA) | 2.3984% | 164 |
| Pretax return on assets | 2.3984% | 249 |
| Return on Equity (ROE) | 24.7088% | 79 |
| Retained earnings to average equity (ytd only) | 3.1240% | 3,460 |
| Net charge-offs to loans | 0.0718% | 2,070 |
| Credit loss provision to net charge-offs | 636.3636% | 490 |
| Earnings coverage of net charge-offs (x) | 85.6970% | 756 |
| Efficiency ratio | 38.2668% | 5,087 |
| Assets per employee ($millions) | 8.1379% | 675 |
| Cash dividends to net income (ytd only)* | 87.3568% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 760 |
| Loan loss allowance to noncurrent loans | 81.7444% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 1,256 |
| Noncurrent loans to loans | 2.1080% | 597 |
| Net loans and leases to total assets | 41.8422% | 4,676 |
| Net loans and leases to deposits | 46.3946% | 4,775 |
| Net loans and leases to core deposits | 49.5259% | 4,765 |
| Total domestic deposits to total assets | 90.1876% | 262 |
| Equity capital to assets | 9.7600% | 4,143 |
| Core capital (leverage) ratio | 9.3333% | 4,245 |
| Tier 1 risk-based capital ratio | 16.4415% | 2,240 |
| Total risk-based capital ratio | 17.7067% | 2,174 |
| Memoranda: | ||
| Average total assets | $218,314,400 | 2,674 |
| Average earning assets | $209,020,800 | 2,612 |
| Average equity | $21,190,800 | 3,024 |
| Average total loans | $91,901,000 | 3,358 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 3,863 |
| Cost of funding earning assets | 0.1611% | 5,101 |
| Net interest margin | 4.0665% | 1,712 |
| Noninterest income to average assets | 0.3371% | 3,716 |
| Noninterest expense to average assets | 1.5733% | 5,024 |
| Loan and lease loss provision to assets | 0.1927% | 925 |
| Net operating income to assets | 2.4621% | 173 |
| Return on assets (ROA) | 2.4621% | 183 |
| Pretax return on assets | 2.4621% | 268 |
| Return on Equity (ROE) | 25.4010% | 83 |
| Retained earnings to average equity (ytd only) | 11.6813% | 422 |
| Net charge-offs to loans | -0.0335% | 4,726 |
| Credit loss provision to net charge-offs | -1,369.5652% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2106% | 5,158 |
| Assets per employee ($millions) | 8.2072% | 642 |
| Cash dividends to net income (ytd only)* | 54.0124% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 627 |
| Loan loss allowance to noncurrent loans | 77.7290% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 1,250 |
| Noncurrent loans to loans | 2.3629% | 515 |
| Net loans and leases to total assets | 39.9490% | 4,817 |
| Net loans and leases to deposits | 44.7479% | 4,895 |
| Net loans and leases to core deposits | 48.1760% | 4,874 |
| Total domestic deposits to total assets | 89.2758% | 529 |
| Equity capital to assets | 10.6544% | 3,416 |
| Core capital (leverage) ratio | 9.8626% | 3,774 |
| Tier 1 risk-based capital ratio | 18.2822% | 1,739 |
| Total risk-based capital ratio | 19.5482% | 1,703 |
| Memoranda: | ||
| Average total assets | $217,962,250 | 2,704 |
| Average earning assets | $208,558,500 | 2,642 |
| Average equity | $21,127,250 | 3,054 |
| Average total loans | $91,489,000 | 3,408 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 3,933 |
| Cost of funding earning assets | 0.1580% | 5,148 |
| Net interest margin | 4.0392% | 1,795 |
| Noninterest income to average assets | 0.3353% | 3,694 |
| Noninterest expense to average assets | 1.5718% | 5,076 |
| Loan and lease loss provision to assets | 0.1914% | 918 |
| Net operating income to assets | 2.4393% | 166 |
| Return on assets (ROA) | 2.4393% | 171 |
| Pretax return on assets | 2.4393% | 266 |
| Return on Equity (ROE) | 26.0012% | 78 |
| Retained earnings to average equity (ytd only) | 12.6461% | 334 |
| Net charge-offs to loans | -0.0473% | 4,819 |
| Credit loss provision to net charge-offs | -954.5455% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4024% | 5,195 |
| Assets per employee ($millions) | 8.8591% | 494 |
| Cash dividends to net income (ytd only)* | 51.3635% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 1,026 |
| Loan loss allowance to noncurrent loans | 72.5634% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 1,365 |
| Noncurrent loans to loans | 2.2045% | 611 |
| Net loans and leases to total assets | 41.3553% | 4,806 |
| Net loans and leases to deposits | 45.9396% | 4,908 |
| Net loans and leases to core deposits | 49.5593% | 4,875 |
| Total domestic deposits to total assets | 90.0211% | 327 |
| Equity capital to assets | 9.9590% | 4,008 |
| Core capital (leverage) ratio | 9.7110% | 3,923 |
| Tier 1 risk-based capital ratio | 17.1264% | 2,052 |
| Total risk-based capital ratio | 18.3235% | 2,013 |
| Memoranda: | ||
| Average total assets | $219,487,330 | 2,698 |
| Average earning assets | $210,141,000 | 2,636 |
| Average equity | $20,591,330 | 3,096 |
| Average total loans | $93,038,330 | 3,392 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 3,782 |
| Cost of funding earning assets | 0.1529% | 5,207 |
| Net interest margin | 4.0760% | 1,620 |
| Noninterest income to average assets | 0.3515% | 3,506 |
| Noninterest expense to average assets | 1.5598% | 5,128 |
| Loan and lease loss provision to assets | 0.1922% | 844 |
| Net operating income to assets | 2.5044% | 160 |
| Return on assets (ROA) | 2.5044% | 169 |
| Pretax return on assets | 2.5044% | 246 |
| Return on Equity (ROE) | 27.5550% | 68 |
| Retained earnings to average equity (ytd only) | 15.0062% | 277 |
| Net charge-offs to loans | -0.2236% | 5,182 |
| Credit loss provision to net charge-offs | -201.9231% | 3,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6452% | 5,260 |
| Assets per employee ($millions) | 8.7246% | 522 |
| Cash dividends to net income (ytd only)* | 45.5409% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,151 |
| Loan loss allowance to noncurrent loans | 33.4754% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.0388% | 468 |
| Noncurrent loans to loans | 4.6608% | 136 |
| Net loans and leases to total assets | 40.9029% | 4,867 |
| Net loans and leases to deposits | 45.1379% | 4,951 |
| Net loans and leases to core deposits | 48.6442% | 4,924 |
| Total domestic deposits to total assets | 90.6178% | 250 |
| Equity capital to assets | 9.3694% | 4,366 |
| Core capital (leverage) ratio | 9.3692% | 4,296 |
| Tier 1 risk-based capital ratio | 17.1209% | 2,074 |
| Total risk-based capital ratio | 18.2879% | 2,040 |
| Memoranda: | ||
| Average total assets | $218,492,000 | 2,733 |
| Average earning assets | $209,322,500 | 2,671 |
| Average equity | $19,858,500 | 3,170 |
| Average total loans | $93,016,500 | 3,429 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,621 |
| Cost of funding earning assets | 0.1495% | 5,171 |
| Net interest margin | 3.9899% | 2,015 |
| Noninterest income to average assets | 0.4173% | 3,329 |
| Noninterest expense to average assets | 1.7871% | 5,012 |
| Loan and lease loss provision to assets | 0.0531% | 3,119 |
| Net operating income to assets | 2.3834% | 177 |
| Return on assets (ROA) | 2.2120% | 237 |
| Pretax return on assets | 2.2120% | 349 |
| Return on Equity (ROE) | 23.3918% | 118 |
| Retained earnings to average equity (ytd only) | 4.5361% | 3,031 |
| Net charge-offs to loans | 0.2912% | 666 |
| Credit loss provision to net charge-offs | 40.8560% | 3,278 |
| Earnings coverage of net charge-offs (x) | 18.7432% | 2,112 |
| Efficiency ratio | 42.3114% | 5,233 |
| Assets per employee ($millions) | 8.4181% | 578 |
| Cash dividends to net income (ytd only)* | 80.6083% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 1,959 |
| Loan loss allowance to noncurrent loans | 59.4607% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 1,210 |
| Noncurrent loans to loans | 2.2158% | 583 |
| Net loans and leases to total assets | 43.0150% | 4,847 |
| Net loans and leases to deposits | 47.1747% | 4,951 |
| Net loans and leases to core deposits | 50.7050% | 4,926 |
| Total domestic deposits to total assets | 91.1824% | 166 |
| Equity capital to assets | 8.8093% | 4,728 |
| Core capital (leverage) ratio | 9.4490% | 4,172 |
| Tier 1 risk-based capital ratio | 16.1064% | 2,369 |
| Total risk-based capital ratio | 17.1187% | 2,392 |
| Memoranda: | ||
| Average total assets | $197,697,400 | 2,895 |
| Average earning assets | $188,603,400 | 2,841 |
| Average equity | $18,694,600 | 3,215 |
| Average total loans | $88,253,200 | 3,508 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,632 |
| Cost of funding earning assets | 0.1490% | 5,223 |
| Net interest margin | 3.9504% | 2,129 |
| Noninterest income to average assets | 0.4296% | 3,288 |
| Noninterest expense to average assets | 1.8405% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3554% | 201 |
| Return on assets (ROA) | 2.3519% | 202 |
| Pretax return on assets | 2.3519% | 308 |
| Return on Equity (ROE) | 24.3973% | 99 |
| Retained earnings to average equity (ytd only) | 10.7394% | 713 |
| Net charge-offs to loans | 0.2143% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 24.4531% | 1,815 |
| Efficiency ratio | 43.8646% | 5,218 |
| Assets per employee ($millions) | 8.2606% | 580 |
| Cash dividends to net income (ytd only)* | 55.9811% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,739 |
| Loan loss allowance to noncurrent loans | 49.8822% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 903 |
| Noncurrent loans to loans | 2.7868% | 429 |
| Net loans and leases to total assets | 45.4412% | 4,823 |
| Net loans and leases to deposits | 50.2009% | 4,948 |
| Net loans and leases to core deposits | 54.4318% | 4,898 |
| Total domestic deposits to total assets | 90.5187% | 334 |
| Equity capital to assets | 9.4349% | 4,146 |
| Core capital (leverage) ratio | 10.2257% | 3,373 |
| Tier 1 risk-based capital ratio | 18.0401% | 1,780 |
| Total risk-based capital ratio | 19.1498% | 1,780 |
| Memoranda: | ||
| Average total assets | $192,404,250 | 2,967 |
| Average earning assets | $183,436,000 | 2,910 |
| Average equity | $18,548,000 | 3,254 |
| Average total loans | $86,465,500 | 3,572 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,723 |
| Cost of funding earning assets | 0.1464% | 5,261 |
| Net interest margin | 3.8741% | 2,296 |
| Noninterest income to average assets | 0.4347% | 3,257 |
| Noninterest expense to average assets | 1.8619% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2693% | 226 |
| Return on assets (ROA) | 2.2641% | 224 |
| Pretax return on assets | 2.2641% | 351 |
| Return on Equity (ROE) | 23.3136% | 118 |
| Retained earnings to average equity (ytd only) | 9.7969% | 986 |
| Net charge-offs to loans | 0.3230% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.7737% | 2,021 |
| Efficiency ratio | 45.0686% | 5,253 |
| Assets per employee ($millions) | 7.1940% | 861 |
| Cash dividends to net income (ytd only)* | 57.9777% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,491 |
| Loan loss allowance to noncurrent loans | 52.1294% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 884 |
| Noncurrent loans to loans | 2.8173% | 427 |
| Net loans and leases to total assets | 43.9698% | 4,902 |
| Net loans and leases to deposits | 48.6071% | 5,012 |
| Net loans and leases to core deposits | 52.7911% | 4,966 |
| Total domestic deposits to total assets | 90.4596% | 411 |
| Equity capital to assets | 9.5311% | 4,066 |
| Core capital (leverage) ratio | 10.3573% | 3,177 |
| Tier 1 risk-based capital ratio | 18.1600% | 1,762 |
| Total risk-based capital ratio | 19.3125% | 1,745 |
| Memoranda: | ||
| Average total assets | $190,454,330 | 3,001 |
| Average earning assets | $181,719,000 | 2,945 |
| Average equity | $18,495,670 | 3,277 |
| Average total loans | $84,834,330 | 3,627 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,481 |
| Cost of funding earning assets | 0.1469% | 5,283 |
| Net interest margin | 3.8897% | 2,084 |
| Noninterest income to average assets | 0.4455% | 3,143 |
| Noninterest expense to average assets | 1.8328% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3207% | 197 |
| Return on assets (ROA) | 2.3101% | 203 |
| Pretax return on assets | 2.3101% | 311 |
| Return on Equity (ROE) | 23.5625% | 117 |
| Retained earnings to average equity (ytd only) | 10.0395% | 1,142 |
| Net charge-offs to loans | -0.0048% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1267% | 5,343 |
| Assets per employee ($millions) | 8.2081% | 582 |
| Cash dividends to net income (ytd only)* | 57.3921% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,049 |
| Loan loss allowance to noncurrent loans | 55.8637% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.7289% | 728 |
| Noncurrent loans to loans | 2.9587% | 410 |
| Net loans and leases to total assets | 44.4400% | 4,874 |
| Net loans and leases to deposits | 49.2267% | 4,996 |
| Net loans and leases to core deposits | 53.4410% | 4,932 |
| Total domestic deposits to total assets | 90.2763% | 552 |
| Equity capital to assets | 9.6929% | 3,893 |
| Core capital (leverage) ratio | 10.4444% | 3,013 |
| Tier 1 risk-based capital ratio | 17.5855% | 1,949 |
| Total risk-based capital ratio | 18.8361% | 1,903 |
| Memoranda: | ||
| Average total assets | $188,562,500 | 3,051 |
| Average earning assets | $179,755,500 | 2,995 |
| Average equity | $18,487,000 | 3,308 |
| Average total loans | $83,912,000 | 3,674 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,406 |
| Cost of funding earning assets | 0.1421% | 5,309 |
| Net interest margin | 3.5286% | 3,432 |
| Noninterest income to average assets | 0.4707% | 3,184 |
| Noninterest expense to average assets | 1.7135% | 5,324 |
| Loan and lease loss provision to assets | 0.0635% | 2,958 |
| Net operating income to assets | 2.0603% | 249 |
| Return on assets (ROA) | 2.0042% | 286 |
| Pretax return on assets | 2.0042% | 486 |
| Return on Equity (ROE) | 20.4026% | 182 |
| Retained earnings to average equity (ytd only) | 4.2314% | 2,621 |
| Net charge-offs to loans | 0.1681% | 1,467 |
| Credit loss provision to net charge-offs | 88.2353% | 2,820 |
| Earnings coverage of net charge-offs (x) | 29.4926% | 1,569 |
| Efficiency ratio | 44.6530% | 5,433 |
| Assets per employee ($millions) | 6.7264% | 1,091 |
| Cash dividends to net income (ytd only)* | 79.2602% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 936 |
| Loan loss allowance to noncurrent loans | 33.6518% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.6718% | 328 |
| Noncurrent loans to loans | 5.0741% | 134 |
| Net loans and leases to total assets | 43.0651% | 5,028 |
| Net loans and leases to deposits | 47.8118% | 5,131 |
| Net loans and leases to core deposits | 51.8749% | 5,069 |
| Total domestic deposits to total assets | 90.0721% | 547 |
| Equity capital to assets | 9.9157% | 3,797 |
| Core capital (leverage) ratio | 10.1592% | 3,234 |
| Tier 1 risk-based capital ratio | 17.5381% | 1,934 |
| Total risk-based capital ratio | 18.7890% | 1,887 |
| Memoranda: | ||
| Average total assets | $188,856,200 | 3,032 |
| Average earning assets | $180,184,600 | 2,964 |
| Average equity | $18,551,600 | 3,291 |
| Average total loans | $80,885,000 | 3,732 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 4,446 |
| Cost of funding earning assets | 0.1427% | 5,357 |
| Net interest margin | 3.5055% | 3,488 |
| Noninterest income to average assets | 0.4480% | 3,345 |
| Noninterest expense to average assets | 1.7080% | 5,359 |
| Loan and lease loss provision to assets | 0.0635% | 2,798 |
| Net operating income to assets | 2.0213% | 310 |
| Return on assets (ROA) | 2.0213% | 313 |
| Pretax return on assets | 2.0213% | 525 |
| Return on Equity (ROE) | 20.6250% | 194 |
| Retained earnings to average equity (ytd only) | 7.1270% | 1,626 |
| Net charge-offs to loans | 0.0331% | 2,770 |
| Credit loss provision to net charge-offs | 450.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 147.7278% | 544 |
| Efficiency ratio | 45.0335% | 5,447 |
| Assets per employee ($millions) | 6.7603% | 1,044 |
| Cash dividends to net income (ytd only)* | 65.4452% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 801 |
| Loan loss allowance to noncurrent loans | 79.1424% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4544% | 1,055 |
| Noncurrent loans to loans | 2.3143% | 687 |
| Net loans and leases to total assets | 42.3310% | 5,100 |
| Net loans and leases to deposits | 47.1175% | 5,222 |
| Net loans and leases to core deposits | 50.9354% | 5,167 |
| Total domestic deposits to total assets | 89.8414% | 528 |
| Equity capital to assets | 10.0979% | 3,806 |
| Core capital (leverage) ratio | 10.4399% | 3,048 |
| Tier 1 risk-based capital ratio | 17.7713% | 1,919 |
| Total risk-based capital ratio | 19.0226% | 1,866 |
| Memoranda: | ||
| Average total assets | $188,985,750 | 3,053 |
| Average earning assets | $180,323,000 | 2,989 |
| Average equity | $18,520,750 | 3,327 |
| Average total loans | $80,477,000 | 3,769 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,465 |
| Cost of funding earning assets | 0.1400% | 5,394 |
| Net interest margin | 3.4788% | 3,475 |
| Noninterest income to average assets | 0.4352% | 3,454 |
| Noninterest expense to average assets | 1.7174% | 5,399 |
| Loan and lease loss provision to assets | 0.0635% | 2,701 |
| Net operating income to assets | 1.9705% | 322 |
| Return on assets (ROA) | 1.9705% | 330 |
| Pretax return on assets | 1.9705% | 558 |
| Return on Equity (ROE) | 20.3133% | 209 |
| Retained earnings to average equity (ytd only) | 6.6692% | 1,755 |
| Net charge-offs to loans | 0.0449% | 2,310 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 106.7222% | 624 |
| Efficiency ratio | 45.7804% | 5,468 |
| Assets per employee ($millions) | 6.5119% | 1,147 |
| Cash dividends to net income (ytd only)* | 67.1682% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 821 |
| Loan loss allowance to noncurrent loans | 70.3260% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 913 |
| Noncurrent loans to loans | 2.6121% | 548 |
| Net loans and leases to total assets | 42.9933% | 5,099 |
| Net loans and leases to deposits | 47.9734% | 5,215 |
| Net loans and leases to core deposits | 52.0272% | 5,144 |
| Total domestic deposits to total assets | 89.6190% | 674 |
| Equity capital to assets | 10.3580% | 3,503 |
| Core capital (leverage) ratio | 10.1639% | 3,317 |
| Tier 1 risk-based capital ratio | 17.7637% | 1,932 |
| Total risk-based capital ratio | 19.0151% | 1,886 |
| Memoranda: | ||
| Average total assets | $188,885,330 | 3,069 |
| Average earning assets | $180,062,330 | 2,999 |
| Average equity | $18,323,000 | 3,359 |
| Average total loans | $80,095,330 | 3,793 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 4,664 |
| Cost of funding earning assets | 0.1353% | 5,460 |
| Net interest margin | 3.3748% | 3,735 |
| Noninterest income to average assets | 0.4142% | 3,566 |
| Noninterest expense to average assets | 1.6611% | 5,508 |
| Loan and lease loss provision to assets | 0.0624% | 2,558 |
| Net operating income to assets | 1.9088% | 357 |
| Return on assets (ROA) | 1.9088% | 369 |
| Pretax return on assets | 1.9088% | 616 |
| Return on Equity (ROE) | 20.3309% | 213 |
| Retained earnings to average equity (ytd only) | 6.4740% | 2,100 |
| Net charge-offs to loans | -0.0100% | 4,417 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7307% | 5,542 |
| Assets per employee ($millions) | 6.7790% | 1,045 |
| Cash dividends to net income (ytd only)* | 68.1570% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8163% | 930 |
| Loan loss allowance to noncurrent loans | 64.1285% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 916 |
| Noncurrent loans to loans | 2.8324% | 504 |
| Net loans and leases to total assets | 41.4932% | 5,184 |
| Net loans and leases to deposits | 45.9043% | 5,306 |
| Net loans and leases to core deposits | 49.3530% | 5,247 |
| Total domestic deposits to total assets | 90.3905% | 516 |
| Equity capital to assets | 9.5721% | 4,211 |
| Core capital (leverage) ratio | 9.6358% | 3,947 |
| Tier 1 risk-based capital ratio | 17.1215% | 2,140 |
| Total risk-based capital ratio | 18.3722% | 2,094 |
| Memoranda: | ||
| Average total assets | $192,161,500 | 3,068 |
| Average earning assets | $183,241,500 | 3,007 |
| Average equity | $18,041,500 | 3,406 |
| Average total loans | $80,214,000 | 3,808 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 4,960 |
| Cost of funding earning assets | 0.1262% | 5,578 |
| Net interest margin | 3.2835% | 4,195 |
| Noninterest income to average assets | 0.3859% | 3,992 |
| Noninterest expense to average assets | 1.5986% | 5,649 |
| Loan and lease loss provision to assets | 0.1544% | 1,618 |
| Net operating income to assets | 1.7648% | 475 |
| Return on assets (ROA) | 1.8240% | 444 |
| Pretax return on assets | 1.8240% | 750 |
| Return on Equity (ROE) | 19.3236% | 247 |
| Retained earnings to average equity (ytd only) | 3.6467% | 3,324 |
| Net charge-offs to loans | 0.1522% | 1,738 |
| Credit loss provision to net charge-offs | 236.2205% | 1,222 |
| Earnings coverage of net charge-offs (x) | 29.3701% | 1,448 |
| Efficiency ratio | 45.4439% | 5,656 |
| Assets per employee ($millions) | 6.9468% | 944 |
| Cash dividends to net income (ytd only)* | 81.1283% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 983 |
| Loan loss allowance to noncurrent loans | 70.5096% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 1,119 |
| Noncurrent loans to loans | 2.5196% | 625 |
| Net loans and leases to total assets | 40.5052% | 5,295 |
| Net loans and leases to deposits | 44.6375% | 5,413 |
| Net loans and leases to core deposits | 47.9902% | 5,367 |
| Total domestic deposits to total assets | 90.7424% | 371 |
| Equity capital to assets | 9.2098% | 4,570 |
| Core capital (leverage) ratio | 9.4044% | 4,218 |
| Tier 1 risk-based capital ratio | 16.4000% | 2,387 |
| Total risk-based capital ratio | 17.6501% | 2,326 |
| Memoranda: | ||
| Average total assets | $194,355,000 | 3,019 |
| Average earning assets | $185,382,600 | 2,950 |
| Average equity | $18,345,400 | 3,365 |
| Average total loans | $83,427,600 | 3,730 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4172% | 4,991 |
| Cost of funding earning assets | 0.1253% | 5,649 |
| Net interest margin | 3.2919% | 4,211 |
| Noninterest income to average assets | 0.3794% | 4,071 |
| Noninterest expense to average assets | 1.5891% | 5,696 |
| Loan and lease loss provision to assets | 0.1544% | 1,508 |
| Net operating income to assets | 1.7737% | 512 |
| Return on assets (ROA) | 1.8526% | 466 |
| Pretax return on assets | 1.8526% | 797 |
| Return on Equity (ROE) | 19.5083% | 267 |
| Retained earnings to average equity (ytd only) | 5.9608% | 2,205 |
| Net charge-offs to loans | 0.1551% | 1,450 |
| Credit loss provision to net charge-offs | 229.5918% | 1,287 |
| Earnings coverage of net charge-offs (x) | 28.6742% | 1,534 |
| Efficiency ratio | 45.1814% | 5,704 |
| Assets per employee ($millions) | 6.9105% | 921 |
| Cash dividends to net income (ytd only)* | 69.4445% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 1,336 |
| Loan loss allowance to noncurrent loans | 67.5318% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 1,182 |
| Noncurrent loans to loans | 2.4360% | 733 |
| Net loans and leases to total assets | 42.6098% | 5,265 |
| Net loans and leases to deposits | 47.2991% | 5,399 |
| Net loans and leases to core deposits | 51.2131% | 5,344 |
| Total domestic deposits to total assets | 90.0859% | 454 |
| Equity capital to assets | 9.8526% | 4,301 |
| Core capital (leverage) ratio | 9.6640% | 3,979 |
| Tier 1 risk-based capital ratio | 16.5461% | 2,394 |
| Total risk-based capital ratio | 17.7779% | 2,358 |
| Memoranda: | ||
| Average total assets | $194,316,000 | 3,028 |
| Average earning assets | $185,217,750 | 2,965 |
| Average equity | $18,453,250 | 3,378 |
| Average total loans | $84,231,500 | 3,723 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3980% | 5,085 |
| Cost of funding earning assets | 0.1226% | 5,744 |
| Net interest margin | 3.2754% | 4,309 |
| Noninterest income to average assets | 0.3751% | 4,067 |
| Noninterest expense to average assets | 1.5859% | 5,768 |
| Loan and lease loss provision to assets | 0.1542% | 1,485 |
| Net operating income to assets | 1.7658% | 508 |
| Return on assets (ROA) | 1.8840% | 432 |
| Pretax return on assets | 1.8840% | 725 |
| Return on Equity (ROE) | 20.0880% | 236 |
| Retained earnings to average equity (ytd only) | 6.3892% | 1,923 |
| Net charge-offs to loans | 0.0047% | 3,536 |
| Credit loss provision to net charge-offs | 7,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 934.0000% | 52 |
| Efficiency ratio | 45.2360% | 5,783 |
| Assets per employee ($millions) | 6.8102% | 945 |
| Cash dividends to net income (ytd only)* | 68.1942% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 1,312 |
| Loan loss allowance to noncurrent loans | 65.2681% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5885% | 1,171 |
| Noncurrent loans to loans | 2.5768% | 657 |
| Net loans and leases to total assets | 42.9200% | 5,288 |
| Net loans and leases to deposits | 47.6610% | 5,432 |
| Net loans and leases to core deposits | 51.6015% | 5,372 |
| Total domestic deposits to total assets | 90.0527% | 471 |
| Equity capital to assets | 9.9153% | 4,331 |
| Core capital (leverage) ratio | 9.4036% | 4,333 |
| Tier 1 risk-based capital ratio | 16.4182% | 2,461 |
| Total risk-based capital ratio | 17.6683% | 2,402 |
| Memoranda: | ||
| Average total assets | $194,590,330 | 3,045 |
| Average earning assets | $185,991,330 | 2,974 |
| Average equity | $18,249,670 | 3,413 |
| Average total loans | $84,366,670 | 3,737 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2444% | 5,419 |
| Cost of funding earning assets | 0.1235% | 5,794 |
| Net interest margin | 3.1209% | 4,807 |
| Noninterest income to average assets | 0.3867% | 3,931 |
| Noninterest expense to average assets | 1.5366% | 5,877 |
| Loan and lease loss provision to assets | 0.1526% | 1,385 |
| Net operating income to assets | 1.6811% | 602 |
| Return on assets (ROA) | 1.8561% | 464 |
| Pretax return on assets | 1.8561% | 763 |
| Return on Equity (ROE) | 20.3560% | 221 |
| Retained earnings to average equity (ytd only) | 6.4059% | 2,183 |
| Net charge-offs to loans | 0.0094% | 2,810 |
| Credit loss provision to net charge-offs | 3,750.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 450.5000% | 128 |
| Efficiency ratio | 45.5918% | 5,826 |
| Assets per employee ($millions) | 7.6200% | 666 |
| Cash dividends to net income (ytd only)* | 68.5307% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,756 |
| Loan loss allowance to noncurrent loans | 59.0990% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.5778% | 1,270 |
| Noncurrent loans to loans | 2.6364% | 685 |
| Net loans and leases to total assets | 42.2544% | 5,338 |
| Net loans and leases to deposits | 46.5629% | 5,485 |
| Net loans and leases to core deposits | 50.3973% | 5,429 |
| Total domestic deposits to total assets | 90.7470% | 348 |
| Equity capital to assets | 9.2091% | 4,980 |
| Core capital (leverage) ratio | 9.1914% | 4,609 |
| Tier 1 risk-based capital ratio | 15.7608% | 2,801 |
| Total risk-based capital ratio | 16.9220% | 2,763 |
| Memoranda: | ||
| Average total assets | $196,543,000 | 3,025 |
| Average earning assets | $187,893,500 | 2,960 |
| Average equity | $17,921,000 | 3,451 |
| Average total loans | $84,929,000 | 3,725 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 4,618 |
| Cost of funding earning assets | 0.1464% | 5,706 |
| Net interest margin | 3.4736% | 3,622 |
| Noninterest income to average assets | 0.3801% | 4,183 |
| Noninterest expense to average assets | 1.6113% | 5,908 |
| Loan and lease loss provision to assets | 0.1584% | 1,464 |
| Net operating income to assets | 1.8684% | 428 |
| Return on assets (ROA) | 1.8684% | 436 |
| Pretax return on assets | 1.8684% | 695 |
| Return on Equity (ROE) | 20.3475% | 232 |
| Retained earnings to average equity (ytd only) | 4.6801% | 2,656 |
| Net charge-offs to loans | -0.0178% | 5,236 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2897% | 5,973 |
| Assets per employee ($millions) | 7.4987% | 704 |
| Cash dividends to net income (ytd only)* | 76.9992% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 2,116 |
| Loan loss allowance to noncurrent loans | 417.3333% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 3,251 |
| Noncurrent loans to loans | 0.3537% | 4,189 |
| Net loans and leases to total assets | 42.8621% | 5,356 |
| Net loans and leases to deposits | 47.1323% | 5,511 |
| Net loans and leases to core deposits | 51.0679% | 5,451 |
| Total domestic deposits to total assets | 90.9400% | 294 |
| Equity capital to assets | 9.0256% | 5,098 |
| Core capital (leverage) ratio | 9.1478% | 4,689 |
| Tier 1 risk-based capital ratio | 15.7516% | 2,804 |
| Total risk-based capital ratio | 16.8659% | 2,810 |
| Memoranda: | ||
| Average total assets | $189,416,200 | 3,062 |
| Average earning assets | $177,654,200 | 3,022 |
| Average equity | $17,392,800 | 3,479 |
| Average total loans | $78,549,000 | 3,875 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 4,672 |
| Cost of funding earning assets | 0.1519% | 5,762 |
| Net interest margin | 3.4673% | 3,682 |
| Noninterest income to average assets | 0.3737% | 4,261 |
| Noninterest expense to average assets | 1.6309% | 5,962 |
| Loan and lease loss provision to assets | 0.1595% | 1,344 |
| Net operating income to assets | 1.8202% | 497 |
| Return on assets (ROA) | 1.8202% | 520 |
| Pretax return on assets | 1.8202% | 861 |
| Return on Equity (ROE) | 19.7361% | 288 |
| Retained earnings to average equity (ytd only) | 4.7438% | 3,098 |
| Net charge-offs to loans | 0.0312% | 3,301 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 155.1071% | 452 |
| Efficiency ratio | 45.1689% | 5,994 |
| Assets per employee ($millions) | 7.5872% | 655 |
| Cash dividends to net income (ytd only)* | 75.9643% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 2,388 |
| Loan loss allowance to noncurrent loans | 162.8734% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 2,877 |
| Noncurrent loans to loans | 0.8874% | 2,759 |
| Net loans and leases to total assets | 39.5802% | 5,616 |
| Net loans and leases to deposits | 43.5218% | 5,738 |
| Net loans and leases to core deposits | 47.5352% | 5,671 |
| Total domestic deposits to total assets | 90.9433% | 256 |
| Equity capital to assets | 8.9868% | 5,316 |
| Core capital (leverage) ratio | 9.1055% | 4,872 |
| Tier 1 risk-based capital ratio | 15.8684% | 2,857 |
| Total risk-based capital ratio | 16.9156% | 2,899 |
| Memoranda: | ||
| Average total assets | $188,028,500 | 3,099 |
| Average earning assets | $175,542,500 | 3,070 |
| Average equity | $17,341,750 | 3,512 |
| Average total loans | $76,981,500 | 3,951 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,517 |
| Cost of funding earning assets | 0.1613% | 5,768 |
| Net interest margin | 3.5061% | 3,472 |
| Noninterest income to average assets | 0.3644% | 4,332 |
| Noninterest expense to average assets | 1.6502% | 6,017 |
| Loan and lease loss provision to assets | 0.1622% | 1,309 |
| Net operating income to assets | 1.8427% | 466 |
| Return on assets (ROA) | 1.8427% | 492 |
| Pretax return on assets | 1.8427% | 825 |
| Return on Equity (ROE) | 19.7990% | 283 |
| Retained earnings to average equity (ytd only) | 5.2751% | 2,693 |
| Net charge-offs to loans | 0.0210% | 3,256 |
| Credit loss provision to net charge-offs | 1,875.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 231.7500% | 301 |
| Efficiency ratio | 45.1479% | 6,072 |
| Assets per employee ($millions) | 7.2362% | 754 |
| Cash dividends to net income (ytd only)* | 73.3568% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 2,450 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 3,426 |
| Noncurrent loans to loans | 0.4750% | 4,050 |
| Net loans and leases to total assets | 38.6992% | 5,705 |
| Net loans and leases to deposits | 42.5836% | 5,817 |
| Net loans and leases to core deposits | 45.8943% | 5,771 |
| Total domestic deposits to total assets | 90.8781% | 328 |
| Equity capital to assets | 9.0847% | 5,161 |
| Core capital (leverage) ratio | 9.0233% | 4,934 |
| Tier 1 risk-based capital ratio | 17.6436% | 2,174 |
| Total risk-based capital ratio | 18.7522% | 2,175 |
| Memoranda: | ||
| Average total assets | $184,948,670 | 3,165 |
| Average earning assets | $173,584,670 | 3,113 |
| Average equity | $17,213,000 | 3,536 |
| Average total loans | $76,234,000 | 3,994 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7949% | 4,029 |
| Cost of funding earning assets | 0.1647% | 5,817 |
| Net interest margin | 3.6302% | 2,892 |
| Noninterest income to average assets | 0.3687% | 4,264 |
| Noninterest expense to average assets | 1.6406% | 6,070 |
| Loan and lease loss provision to assets | 0.1636% | 1,229 |
| Net operating income to assets | 1.9307% | 385 |
| Return on assets (ROA) | 1.9307% | 405 |
| Pretax return on assets | 1.9307% | 675 |
| Return on Equity (ROE) | 20.4938% | 248 |
| Retained earnings to average equity (ytd only) | 6.0208% | 2,497 |
| Net charge-offs to loans | 0.0207% | 2,737 |
| Credit loss provision to net charge-offs | 1,875.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 235 |
| Efficiency ratio | 43.9252% | 6,180 |
| Assets per employee ($millions) | 7.3110% | 736 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 3,328 |
| Loan loss allowance to noncurrent loans | 178.2686% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 3,126 |
| Noncurrent loans to loans | 0.7366% | 3,423 |
| Net loans and leases to total assets | 41.4876% | 5,518 |
| Net loans and leases to deposits | 45.9353% | 5,659 |
| Net loans and leases to core deposits | 49.8911% | 5,596 |
| Total domestic deposits to total assets | 90.3176% | 599 |
| Equity capital to assets | 9.6375% | 4,590 |
| Core capital (leverage) ratio | 9.3910% | 4,444 |
| Tier 1 risk-based capital ratio | 16.6114% | 2,634 |
| Total risk-based capital ratio | 17.5933% | 2,698 |
| Memoranda: | ||
| Average total assets | $183,352,500 | 3,199 |
| Average earning assets | $170,018,500 | 3,178 |
| Average equity | $17,273,500 | 3,552 |
| Average total loans | $77,406,500 | 3,983 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,469 |
| Cost of funding earning assets | 0.1850% | 5,878 |
| Net interest margin | 3.6224% | 3,328 |
| Noninterest income to average assets | 0.3788% | 4,355 |
| Noninterest expense to average assets | 1.5979% | 6,238 |
| Loan and lease loss provision to assets | 0.0663% | 3,176 |
| Net operating income to assets | 2.0556% | 297 |
| Return on assets (ROA) | 2.0556% | 303 |
| Pretax return on assets | 2.0556% | 458 |
| Return on Equity (ROE) | 23.5520% | 134 |
| Retained earnings to average equity (ytd only) | 5.3645% | 2,359 |
| Net charge-offs to loans | 0.2018% | 2,051 |
| Credit loss provision to net charge-offs | 81.6327% | 2,833 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 1,475 |
| Efficiency ratio | 42.9568% | 6,349 |
| Assets per employee ($millions) | 7.0742% | 813 |
| Cash dividends to net income (ytd only)* | 77.2227% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 3,980 |
| Loan loss allowance to noncurrent loans | 227.1186% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 3,459 |
| Noncurrent loans to loans | 0.5297% | 4,079 |
| Net loans and leases to total assets | 41.8839% | 5,629 |
| Net loans and leases to deposits | 46.1545% | 5,789 |
| Net loans and leases to core deposits | 50.5359% | 5,692 |
| Total domestic deposits to total assets | 90.7470% | 444 |
| Equity capital to assets | 9.2057% | 5,065 |
| Core capital (leverage) ratio | 9.3791% | 4,419 |
| Tier 1 risk-based capital ratio | 15.9859% | 2,966 |
| Total risk-based capital ratio | 16.8740% | 3,104 |
| Memoranda: | ||
| Average total assets | $181,115,000 | 3,196 |
| Average earning assets | $167,043,200 | 3,194 |
| Average equity | $15,807,600 | 3,705 |
| Average total loans | $72,843,600 | 4,098 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 4,644 |
| Cost of funding earning assets | 0.1882% | 5,933 |
| Net interest margin | 3.5856% | 3,489 |
| Noninterest income to average assets | 0.3806% | 4,396 |
| Noninterest expense to average assets | 1.5904% | 6,294 |
| Loan and lease loss provision to assets | 0.0665% | 3,019 |
| Net operating income to assets | 2.0464% | 317 |
| Return on assets (ROA) | 2.0464% | 330 |
| Pretax return on assets | 2.0464% | 516 |
| Return on Equity (ROE) | 23.7781% | 132 |
| Retained earnings to average equity (ytd only) | 7.6770% | 1,503 |
| Net charge-offs to loans | 0.2739% | 1,434 |
| Credit loss provision to net charge-offs | 61.2245% | 2,920 |
| Earnings coverage of net charge-offs (x) | 19.4485% | 1,783 |
| Efficiency ratio | 42.9455% | 6,396 |
| Assets per employee ($millions) | 6.7533% | 891 |
| Cash dividends to net income (ytd only)* | 67.7140% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 4,341 |
| Loan loss allowance to noncurrent loans | 350.5792% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 3,951 |
| Noncurrent loans to loans | 0.3366% | 4,887 |
| Net loans and leases to total assets | 41.6984% | 5,702 |
| Net loans and leases to deposits | 45.8679% | 5,870 |
| Net loans and leases to core deposits | 50.5878% | 5,762 |
| Total domestic deposits to total assets | 90.9097% | 387 |
| Equity capital to assets | 9.0025% | 5,349 |
| Core capital (leverage) ratio | 9.4794% | 4,406 |
| Tier 1 risk-based capital ratio | 15.8523% | 3,126 |
| Total risk-based capital ratio | 16.7026% | 3,285 |
| Memoranda: | ||
| Average total assets | $180,411,250 | 3,231 |
| Average earning assets | $167,183,500 | 3,220 |
| Average equity | $15,526,500 | 3,768 |
| Average total loans | $71,560,750 | 4,174 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,633 |
| Cost of funding earning assets | 0.1919% | 5,986 |
| Net interest margin | 3.5749% | 3,465 |
| Noninterest income to average assets | 0.3805% | 4,398 |
| Noninterest expense to average assets | 1.5932% | 6,362 |
| Loan and lease loss provision to assets | 0.0668% | 2,931 |
| Net operating income to assets | 2.0359% | 310 |
| Return on assets (ROA) | 2.0359% | 331 |
| Pretax return on assets | 2.0359% | 517 |
| Return on Equity (ROE) | 24.0310% | 135 |
| Retained earnings to average equity (ytd only) | 7.6164% | 1,472 |
| Net charge-offs to loans | 0.0287% | 3,619 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 338 |
| Efficiency ratio | 43.1066% | 6,446 |
| Assets per employee ($millions) | 6.9358% | 823 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,452 |
| Loan loss allowance to noncurrent loans | 396.4844% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 4,005 |
| Noncurrent loans to loans | 0.3481% | 4,962 |
| Net loans and leases to total assets | 40.2192% | 5,793 |
| Net loans and leases to deposits | 44.1775% | 5,973 |
| Net loans and leases to core deposits | 48.8023% | 5,859 |
| Total domestic deposits to total assets | 91.0399% | 406 |
| Equity capital to assets | 8.9025% | 5,408 |
| Core capital (leverage) ratio | 9.1030% | 4,869 |
| Tier 1 risk-based capital ratio | 16.8780% | 2,675 |
| Total risk-based capital ratio | 17.9090% | 2,725 |
| Memoranda: | ||
| Average total assets | $179,769,000 | 3,253 |
| Average earning assets | $166,717,000 | 3,239 |
| Average equity | $15,230,330 | 3,814 |
| Average total loans | $69,767,670 | 4,243 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,635 |
| Cost of funding earning assets | 0.1900% | 6,079 |
| Net interest margin | 3.5700% | 3,392 |
| Noninterest income to average assets | 0.3699% | 4,428 |
| Noninterest expense to average assets | 1.5912% | 6,436 |
| Loan and lease loss provision to assets | 0.0669% | 2,787 |
| Net operating income to assets | 2.0191% | 331 |
| Return on assets (ROA) | 2.0191% | 343 |
| Pretax return on assets | 2.0191% | 510 |
| Return on Equity (ROE) | 24.4559% | 135 |
| Retained earnings to average equity (ytd only) | 7.5851% | 1,775 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2727% | 6,516 |
| Assets per employee ($millions) | 6.7290% | 911 |
| Cash dividends to net income (ytd only)* | 68.9845% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 3,429 |
| Loan loss allowance to noncurrent loans | 228.7356% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 3,859 |
| Noncurrent loans to loans | 0.6287% | 4,295 |
| Net loans and leases to total assets | 37.5341% | 5,976 |
| Net loans and leases to deposits | 41.0082% | 6,131 |
| Net loans and leases to core deposits | 45.5467% | 6,016 |
| Total domestic deposits to total assets | 91.5281% | 371 |
| Equity capital to assets | 8.4058% | 5,741 |
| Core capital (leverage) ratio | 8.9316% | 5,098 |
| Tier 1 risk-based capital ratio | 17.2084% | 2,595 |
| Total risk-based capital ratio | 18.2579% | 2,641 |
| Memoranda: | ||
| Average total assets | $179,487,500 | 3,282 |
| Average earning assets | $166,276,000 | 3,263 |
| Average equity | $14,818,500 | 3,891 |
| Average total loans | $67,880,000 | 4,329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 5,416 |
| Cost of funding earning assets | 0.1987% | 6,303 |
| Net interest margin | 3.3957% | 4,288 |
| Noninterest income to average assets | 0.4532% | 4,071 |
| Noninterest expense to average assets | 1.5668% | 6,530 |
| Loan and lease loss provision to assets | 0.0653% | 3,821 |
| Net operating income to assets | 1.9912% | 344 |
| Return on assets (ROA) | 1.9912% | 349 |
| Pretax return on assets | 1.9912% | 494 |
| Return on Equity (ROE) | 23.3863% | 165 |
| Retained earnings to average equity (ytd only) | 5.0159% | 2,578 |
| Net charge-offs to loans | 0.0279% | 4,867 |
| Credit loss provision to net charge-offs | 631.5789% | 372 |
| Earnings coverage of net charge-offs (x) | 198.9474% | 225 |
| Efficiency ratio | 43.2432% | 6,633 |
| Assets per employee ($millions) | 6.3319% | 1,070 |
| Cash dividends to net income (ytd only)* | 78.5519% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 3,417 |
| Loan loss allowance to noncurrent loans | 223.8979% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 3,966 |
| Noncurrent loans to loans | 0.6474% | 4,355 |
| Net loans and leases to total assets | 37.0051% | 6,158 |
| Net loans and leases to deposits | 40.2979% | 6,292 |
| Net loans and leases to core deposits | 43.3817% | 6,252 |
| Total domestic deposits to total assets | 91.8287% | 320 |
| Equity capital to assets | 8.1025% | 5,933 |
| Core capital (leverage) ratio | 8.5888% | 5,560 |
| Tier 1 risk-based capital ratio | 17.9196% | 2,265 |
| Total risk-based capital ratio | 18.9980% | 2,296 |
| Memoranda: | ||
| Average total assets | $183,811,600 | 3,235 |
| Average earning assets | $171,597,600 | 3,200 |
| Average equity | $15,650,200 | 3,755 |
| Average total loans | $68,003,800 | 4,341 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 5,625 |
| Cost of funding earning assets | 0.2007% | 6,398 |
| Net interest margin | 3.3249% | 4,547 |
| Noninterest income to average assets | 0.4731% | 3,982 |
| Noninterest expense to average assets | 1.5149% | 6,629 |
| Loan and lease loss provision to assets | 0.0647% | 3,763 |
| Net operating income to assets | 2.0146% | 358 |
| Return on assets (ROA) | 2.0146% | 367 |
| Pretax return on assets | 2.0146% | 563 |
| Return on Equity (ROE) | 23.3911% | 159 |
| Retained earnings to average equity (ytd only) | 7.7386% | 1,529 |
| Net charge-offs to loans | 0.0371% | 4,406 |
| Credit loss provision to net charge-offs | 473.6842% | 565 |
| Earnings coverage of net charge-offs (x) | 152.2266% | 365 |
| Efficiency ratio | 42.1484% | 6,705 |
| Assets per employee ($millions) | 7.5716% | 565 |
| Cash dividends to net income (ytd only)* | 66.9165% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 3,700 |
| Loan loss allowance to noncurrent loans | 203.7037% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 4,302 |
| Noncurrent loans to loans | 0.7100% | 4,436 |
| Net loans and leases to total assets | 32.3638% | 6,435 |
| Net loans and leases to deposits | 35.0684% | 6,538 |
| Net loans and leases to core deposits | 37.5802% | 6,515 |
| Total domestic deposits to total assets | 92.2875% | 207 |
| Equity capital to assets | 7.6378% | 6,335 |
| Core capital (leverage) ratio | 8.4392% | 5,823 |
| Tier 1 risk-based capital ratio | 17.7568% | 2,420 |
| Total risk-based capital ratio | 18.7831% | 2,467 |
| Memoranda: | ||
| Average total assets | $185,441,500 | 3,248 |
| Average earning assets | $174,076,750 | 3,190 |
| Average equity | $15,971,500 | 3,745 |
| Average total loans | $68,361,750 | 4,363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 5,428 |
| Cost of funding earning assets | 0.2094% | 6,426 |
| Net interest margin | 3.3918% | 4,215 |
| Noninterest income to average assets | 0.5362% | 3,598 |
| Noninterest expense to average assets | 1.5427% | 6,647 |
| Loan and lease loss provision to assets | 0.0661% | 3,707 |
| Net operating income to assets | 2.1196% | 297 |
| Return on assets (ROA) | 2.1196% | 312 |
| Pretax return on assets | 2.1196% | 484 |
| Return on Equity (ROE) | 23.6438% | 149 |
| Retained earnings to average equity (ytd only) | 8.2907% | 1,366 |
| Net charge-offs to loans | 0.0489% | 3,993 |
| Credit loss provision to net charge-offs | 352.9412% | 735 |
| Earnings coverage of net charge-offs (x) | 116.7647% | 413 |
| Efficiency ratio | 41.3763% | 6,772 |
| Assets per employee ($millions) | 6.5794% | 872 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,687 |
| Loan loss allowance to noncurrent loans | 169.8502% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 4,059 |
| Noncurrent loans to loans | 0.7429% | 4,440 |
| Net loans and leases to total assets | 41.4877% | 5,932 |
| Net loans and leases to deposits | 45.6875% | 6,126 |
| Net loans and leases to core deposits | 49.5144% | 6,049 |
| Total domestic deposits to total assets | 90.8076% | 618 |
| Equity capital to assets | 9.1427% | 5,051 |
| Core capital (leverage) ratio | 8.9452% | 5,079 |
| Tier 1 risk-based capital ratio | 17.3175% | 2,586 |
| Total risk-based capital ratio | 18.3037% | 2,664 |
| Memoranda: | ||
| Average total assets | $181,634,670 | 3,296 |
| Average earning assets | $170,942,670 | 3,239 |
| Average equity | $16,283,330 | 3,723 |
| Average total loans | $69,600,000 | 4,324 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4252% | 5,885 |
| Cost of funding earning assets | 0.2152% | 6,506 |
| Net interest margin | 3.2100% | 4,895 |
| Noninterest income to average assets | 0.4366% | 4,208 |
| Noninterest expense to average assets | 1.4809% | 6,759 |
| Loan and lease loss provision to assets | 0.0642% | 3,554 |
| Net operating income to assets | 1.9238% | 390 |
| Return on assets (ROA) | 1.9238% | 426 |
| Pretax return on assets | 1.9238% | 701 |
| Return on Equity (ROE) | 21.6561% | 215 |
| Retained earnings to average equity (ytd only) | 6.6004% | 2,367 |
| Net charge-offs to loans | 0.0876% | 2,966 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 61.9333% | 580 |
| Efficiency ratio | 42.6897% | 6,815 |
| Assets per employee ($millions) | 6.7270% | 881 |
| Cash dividends to net income (ytd only)* | 69.5217% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,619 |
| Loan loss allowance to noncurrent loans | 163.0798% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8242% | 4,317 |
| Noncurrent loans to loans | 0.8064% | 4,512 |
| Net loans and leases to total assets | 36.3185% | 6,275 |
| Net loans and leases to deposits | 40.0123% | 6,415 |
| Net loans and leases to core deposits | 43.1482% | 6,358 |
| Total domestic deposits to total assets | 90.7685% | 633 |
| Equity capital to assets | 9.1549% | 5,305 |
| Core capital (leverage) ratio | 8.5368% | 5,537 |
| Tier 1 risk-based capital ratio | 17.1659% | 2,686 |
| Total risk-based capital ratio | 18.1379% | 2,778 |
| Memoranda: | ||
| Average total assets | $186,919,500 | 3,272 |
| Average earning assets | $176,572,000 | 3,189 |
| Average equity | $16,605,000 | 3,729 |
| Average total loans | $68,461,000 | 4,397 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 4,981 |
| Cost of funding earning assets | 0.2990% | 6,455 |
| Net interest margin | 3.7914% | 3,263 |
| Noninterest income to average assets | 0.4208% | 4,450 |
| Noninterest expense to average assets | 1.6417% | 6,766 |
| Loan and lease loss provision to assets | 0.0722% | 4,829 |
| Net operating income to assets | 2.2407% | 233 |
| Return on assets (ROA) | 2.2407% | 256 |
| Pretax return on assets | 2.2407% | 373 |
| Return on Equity (ROE) | 22.8557% | 188 |
| Retained earnings to average equity (ytd only) | 5.2012% | 2,576 |
| Net charge-offs to loans | 0.0631% | 5,059 |
| Credit loss provision to net charge-offs | 260.8696% | 922 |
| Earnings coverage of net charge-offs (x) | 83.5217% | 461 |
| Efficiency ratio | 41.5132% | 6,900 |
| Assets per employee ($millions) | 7.1189% | 737 |
| Cash dividends to net income (ytd only)* | 77.2434% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 4,967 |
| Loan loss allowance to noncurrent loans | 67.8179% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 4,213 |
| Noncurrent loans to loans | 1.8180% | 2,891 |
| Net loans and leases to total assets | 36.0096% | 6,434 |
| Net loans and leases to deposits | 39.4386% | 6,577 |
| Net loans and leases to core deposits | 43.7908% | 6,475 |
| Total domestic deposits to total assets | 91.3053% | 398 |
| Equity capital to assets | 8.6270% | 5,932 |
| Core capital (leverage) ratio | 8.9327% | 5,001 |
| Tier 1 risk-based capital ratio | 15.8338% | 3,253 |
| Total risk-based capital ratio | 16.7309% | 3,396 |
| Memoranda: | ||
| Average total assets | $166,110,200 | 3,520 |
| Average earning assets | $154,824,200 | 3,470 |
| Average equity | $16,284,800 | 3,742 |
| Average total loans | $72,936,800 | 4,236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 4,286 |
| Cost of funding earning assets | 0.3264% | 6,482 |
| Net interest margin | 4.0160% | 2,444 |
| Noninterest income to average assets | 0.3559% | 4,976 |
| Noninterest expense to average assets | 1.8230% | 6,651 |
| Loan and lease loss provision to assets | 0.0752% | 4,715 |
| Net operating income to assets | 2.1890% | 288 |
| Return on assets (ROA) | 2.1890% | 328 |
| Pretax return on assets | 2.1890% | 489 |
| Return on Equity (ROE) | 21.5493% | 260 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,616 |
| Net charge-offs to loans | 0.0742% | 4,667 |
| Credit loss provision to net charge-offs | 219.5122% | 1,268 |
| Earnings coverage of net charge-offs (x) | 66.0918% | 610 |
| Efficiency ratio | 44.6034% | 6,876 |
| Assets per employee ($millions) | 6.3429% | 1,036 |
| Cash dividends to net income (ytd only)* | 71.5649% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,367 |
| Loan loss allowance to noncurrent loans | 314.2322% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 5,577 |
| Noncurrent loans to loans | 0.3758% | 5,721 |
| Net loans and leases to total assets | 40.9928% | 6,202 |
| Net loans and leases to deposits | 45.4235% | 6,424 |
| Net loans and leases to core deposits | 49.6612% | 6,300 |
| Total domestic deposits to total assets | 90.2457% | 702 |
| Equity capital to assets | 9.6574% | 4,978 |
| Core capital (leverage) ratio | 9.3871% | 4,453 |
| Tier 1 risk-based capital ratio | 16.3860% | 3,071 |
| Total risk-based capital ratio | 17.2935% | 3,209 |
| Memoranda: | ||
| Average total assets | $159,585,250 | 3,667 |
| Average earning assets | $148,270,500 | 3,624 |
| Average equity | $16,210,500 | 3,786 |
| Average total loans | $73,651,500 | 4,269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 3,712 |
| Cost of funding earning assets | 0.3508% | 6,508 |
| Net interest margin | 4.1622% | 1,862 |
| Noninterest income to average assets | 0.3648% | 4,908 |
| Noninterest expense to average assets | 1.8652% | 6,662 |
| Loan and lease loss provision to assets | 0.0771% | 4,653 |
| Net operating income to assets | 2.2634% | 254 |
| Return on assets (ROA) | 2.2634% | 287 |
| Pretax return on assets | 2.2634% | 442 |
| Return on Equity (ROE) | 21.8868% | 253 |
| Retained earnings to average equity (ytd only) | 6.3599% | 2,463 |
| Net charge-offs to loans | 0.0671% | 4,491 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 72.8800% | 551 |
| Efficiency ratio | 44.3494% | 6,941 |
| Assets per employee ($millions) | 5.8306% | 1,344 |
| Cash dividends to net income (ytd only)* | 70.9421% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,710 |
| Loan loss allowance to noncurrent loans | 296.7626% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 4,581 |
| Noncurrent loans to loans | 0.3767% | 5,785 |
| Net loans and leases to total assets | 46.3557% | 5,794 |
| Net loans and leases to deposits | 51.7480% | 6,043 |
| Net loans and leases to core deposits | 56.7924% | 5,881 |
| Total domestic deposits to total assets | 89.5799% | 1,175 |
| Equity capital to assets | 10.3541% | 3,874 |
| Core capital (leverage) ratio | 9.4099% | 4,284 |
| Tier 1 risk-based capital ratio | 16.2815% | 3,010 |
| Total risk-based capital ratio | 17.1821% | 3,164 |
| Memoranda: | ||
| Average total assets | $155,694,670 | 3,743 |
| Average earning assets | $143,674,330 | 3,724 |
| Average equity | $16,101,000 | 3,791 |
| Average total loans | $74,521,330 | 4,262 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 3,218 |
| Cost of funding earning assets | 0.3740% | 6,532 |
| Net interest margin | 4.2853% | 1,518 |
| Noninterest income to average assets | 0.3694% | 4,913 |
| Noninterest expense to average assets | 1.9040% | 6,639 |
| Loan and lease loss provision to assets | 0.0775% | 4,427 |
| Net operating income to assets | 2.3251% | 233 |
| Return on assets (ROA) | 2.3251% | 281 |
| Pretax return on assets | 2.3251% | 439 |
| Return on Equity (ROE) | 22.4979% | 260 |
| Retained earnings to average equity (ytd only) | 6.8744% | 2,490 |
| Net charge-offs to loans | 0.0107% | 4,569 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 55 |
| Efficiency ratio | 44.2112% | 6,978 |
| Assets per employee ($millions) | 5.9163% | 1,332 |
| Cash dividends to net income (ytd only)* | 69.4444% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,834 |
| Loan loss allowance to noncurrent loans | 451.9337% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 4,558 |
| Noncurrent loans to loans | 0.2480% | 6,190 |
| Net loans and leases to total assets | 45.1828% | 5,876 |
| Net loans and leases to deposits | 50.2769% | 6,119 |
| Net loans and leases to core deposits | 54.3519% | 6,032 |
| Total domestic deposits to total assets | 89.8679% | 1,150 |
| Equity capital to assets | 10.0476% | 4,070 |
| Core capital (leverage) ratio | 9.6015% | 3,917 |
| Tier 1 risk-based capital ratio | 16.0542% | 3,148 |
| Total risk-based capital ratio | 16.9488% | 3,308 |
| Memoranda: | ||
| Average total assets | $154,829,000 | 3,785 |
| Average earning assets | $142,254,500 | 3,784 |
| Average equity | $16,001,500 | 3,818 |
| Average total loans | $74,881,500 | 4,275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 4,423 |
| Cost of funding earning assets | 0.4783% | 6,619 |
| Net interest margin | 4.1811% | 2,121 |
| Noninterest income to average assets | 0.3659% | 4,889 |
| Noninterest expense to average assets | 2.2449% | 6,175 |
| Loan and lease loss provision to assets | 0.0762% | 5,659 |
| Net operating income to assets | 1.9489% | 339 |
| Return on assets (ROA) | 1.9489% | 366 |
| Pretax return on assets | 1.9489% | 593 |
| Return on Equity (ROE) | 19.8471% | 268 |
| Retained earnings to average equity (ytd only) | 3.6744% | 3,600 |
| Net charge-offs to loans | 0.0714% | 5,603 |
| Credit loss provision to net charge-offs | 222.2222% | 1,091 |
| Earnings coverage of net charge-offs (x) | 59.0370% | 487 |
| Efficiency ratio | 52.5736% | 6,656 |
| Assets per employee ($millions) | 5.5525% | 1,580 |
| Cash dividends to net income (ytd only)* | 81.4863% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 6,075 |
| Loan loss allowance to noncurrent loans | 117.7347% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 3,957 |
| Noncurrent loans to loans | 0.8740% | 4,939 |
| Net loans and leases to total assets | 50.6810% | 5,505 |
| Net loans and leases to deposits | 56.7739% | 5,818 |
| Net loans and leases to core deposits | 61.5472% | 5,701 |
| Total domestic deposits to total assets | 89.2681% | 1,386 |
| Equity capital to assets | 10.6412% | 3,375 |
| Core capital (leverage) ratio | 9.2745% | 4,365 |
| Tier 1 risk-based capital ratio | 15.3080% | 3,451 |
| Total risk-based capital ratio | 16.1476% | 3,675 |
| Memoranda: | ||
| Average total assets | $157,424,400 | 3,669 |
| Average earning assets | $146,994,200 | 3,624 |
| Average equity | $15,458,200 | 3,826 |
| Average total loans | $75,663,000 | 4,289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 4,910 |
| Cost of funding earning assets | 0.4948% | 6,717 |
| Net interest margin | 4.0927% | 2,504 |
| Noninterest income to average assets | 0.3507% | 5,050 |
| Noninterest expense to average assets | 1.8288% | 6,951 |
| Loan and lease loss provision to assets | 0.0753% | 5,507 |
| Net operating income to assets | 2.2749% | 220 |
| Return on assets (ROA) | 2.2749% | 239 |
| Pretax return on assets | 2.2749% | 374 |
| Return on Equity (ROE) | 23.6324% | 174 |
| Retained earnings to average equity (ytd only) | 7.3297% | 1,798 |
| Net charge-offs to loans | 0.0690% | 5,266 |
| Credit loss provision to net charge-offs | 230.7692% | 1,235 |
| Earnings coverage of net charge-offs (x) | 71.9983% | 468 |
| Efficiency ratio | 43.7613% | 7,155 |
| Assets per employee ($millions) | 5.8212% | 1,332 |
| Cash dividends to net income (ytd only)* | 68.9846% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,256 |
| Loan loss allowance to noncurrent loans | 35.8962% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.6727% | 3,578 |
| Noncurrent loans to loans | 2.7919% | 2,497 |
| Net loans and leases to total assets | 48.7081% | 5,871 |
| Net loans and leases to deposits | 54.4824% | 6,169 |
| Net loans and leases to core deposits | 59.3715% | 6,036 |
| Total domestic deposits to total assets | 89.4015% | 1,194 |
| Equity capital to assets | 10.4713% | 3,738 |
| Core capital (leverage) ratio | 9.5454% | 4,089 |
| Tier 1 risk-based capital ratio | 13.3856% | 4,819 |
| Total risk-based capital ratio | 14.0924% | 5,188 |
| Memoranda: | ||
| Average total assets | $159,301,000 | 3,665 |
| Average earning assets | $149,009,750 | 3,617 |
| Average equity | $15,334,500 | 3,855 |
| Average total loans | $75,386,250 | 4,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 5,451 |
| Cost of funding earning assets | 0.5136% | 6,802 |
| Net interest margin | 3.9561% | 3,063 |
| Noninterest income to average assets | 0.3400% | 5,163 |
| Noninterest expense to average assets | 1.8386% | 7,034 |
| Loan and lease loss provision to assets | 0.0750% | 5,373 |
| Net operating income to assets | 2.1424% | 280 |
| Return on assets (ROA) | 2.1424% | 288 |
| Pretax return on assets | 2.1424% | 453 |
| Return on Equity (ROE) | 22.9144% | 203 |
| Retained earnings to average equity (ytd only) | 6.2032% | 2,296 |
| Net charge-offs to loans | 0.1044% | 4,641 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 45.4872% | 677 |
| Efficiency ratio | 45.3313% | 7,185 |
| Assets per employee ($millions) | 5.9687% | 1,206 |
| Cash dividends to net income (ytd only)* | 72.9288% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,461 |
| Loan loss allowance to noncurrent loans | 32.4619% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 3,878 |
| Noncurrent loans to loans | 2.9776% | 2,440 |
| Net loans and leases to total assets | 47.3650% | 6,113 |
| Net loans and leases to deposits | 52.5406% | 6,426 |
| Net loans and leases to core deposits | 56.9430% | 6,351 |
| Total domestic deposits to total assets | 90.1492% | 897 |
| Equity capital to assets | 9.7577% | 4,450 |
| Core capital (leverage) ratio | 8.9485% | 4,807 |
| Tier 1 risk-based capital ratio | 13.0067% | 4,908 |
| Total risk-based capital ratio | 13.6844% | 5,392 |
| Memoranda: | ||
| Average total assets | $160,010,330 | 3,687 |
| Average earning assets | $150,297,670 | 3,621 |
| Average equity | $14,960,000 | 3,914 |
| Average total loans | $74,738,000 | 4,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 5,882 |
| Cost of funding earning assets | 0.5325% | 6,855 |
| Net interest margin | 3.8099% | 3,567 |
| Noninterest income to average assets | 0.3261% | 5,302 |
| Noninterest expense to average assets | 1.8139% | 7,120 |
| Loan and lease loss provision to assets | 0.0753% | 5,060 |
| Net operating income to assets | 2.0271% | 335 |
| Return on assets (ROA) | 2.0271% | 354 |
| Pretax return on assets | 2.0271% | 532 |
| Return on Equity (ROE) | 22.1712% | 237 |
| Retained earnings to average equity (ytd only) | 5.0214% | 3,180 |
| Net charge-offs to loans | 0.2120% | 3,246 |
| Credit loss provision to net charge-offs | 76.9231% | 3,216 |
| Earnings coverage of net charge-offs (x) | 21.4872% | 1,081 |
| Efficiency ratio | 46.3165% | 7,192 |
| Assets per employee ($millions) | 5.6872% | 1,419 |
| Cash dividends to net income (ytd only)* | 77.3515% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 6,548 |
| Loan loss allowance to noncurrent loans | 38.9222% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 4,318 |
| Noncurrent loans to loans | 2.4399% | 3,051 |
| Net loans and leases to total assets | 48.5666% | 6,012 |
| Net loans and leases to deposits | 53.8350% | 6,302 |
| Net loans and leases to core deposits | 59.3342% | 6,158 |
| Total domestic deposits to total assets | 90.2139% | 1,013 |
| Equity capital to assets | 9.6767% | 4,205 |
| Core capital (leverage) ratio | 8.6948% | 5,089 |
| Tier 1 risk-based capital ratio | 13.1437% | 4,716 |
| Total risk-based capital ratio | 13.8141% | 5,182 |
| Memoranda: | ||
| Average total assets | $159,438,000 | 3,716 |
| Average earning assets | $150,241,500 | 3,636 |
| Average equity | $14,577,500 | 3,979 |
| Average total loans | $73,569,000 | 4,486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 6,143 |
| Cost of funding earning assets | 0.6192% | 7,083 |
| Net interest margin | 3.9699% | 3,153 |
| Noninterest income to average assets | 0.3963% | 4,933 |
| Noninterest expense to average assets | 2.0574% | 6,936 |
| Loan and lease loss provision to assets | 0.1334% | 5,842 |
| Net operating income to assets | 1.9006% | 337 |
| Return on assets (ROA) | 1.9006% | 361 |
| Pretax return on assets | 1.9006% | 607 |
| Return on Equity (ROE) | 19.6039% | 277 |
| Retained earnings to average equity (ytd only) | 2.4015% | 4,194 |
| Net charge-offs to loans | 0.1390% | 5,534 |
| Credit loss provision to net charge-offs | 219.7802% | 1,367 |
| Earnings coverage of net charge-offs (x) | 33.5055% | 672 |
| Efficiency ratio | 50.2853% | 7,101 |
| Assets per employee ($millions) | 6.1230% | 1,130 |
| Cash dividends to net income (ytd only)* | 87.7501% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,352 |
| Loan loss allowance to noncurrent loans | 35.8238% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 4,334 |
| Noncurrent loans to loans | 2.8129% | 2,710 |
| Net loans and leases to total assets | 43.0209% | 6,787 |
| Net loans and leases to deposits | 47.1472% | 6,991 |
| Net loans and leases to core deposits | 51.8416% | 6,915 |
| Total domestic deposits to total assets | 91.2480% | 483 |
| Equity capital to assets | 8.6474% | 5,663 |
| Core capital (leverage) ratio | 8.9026% | 4,692 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,851 |
| Total risk-based capital ratio | 13.4042% | 5,314 |
| Memoranda: | ||
| Average total assets | $149,900,000 | 3,876 |
| Average earning assets | $139,524,600 | 3,828 |
| Average equity | $14,532,800 | 4,028 |
| Average total loans | $65,455,400 | 4,849 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 6,019 |
| Cost of funding earning assets | 0.6581% | 7,159 |
| Net interest margin | 4.0415% | 2,899 |
| Noninterest income to average assets | 0.3999% | 4,957 |
| Noninterest expense to average assets | 2.0103% | 7,032 |
| Loan and lease loss provision to assets | 0.0822% | 6,223 |
| Net operating income to assets | 2.0468% | 312 |
| Return on assets (ROA) | 2.0468% | 334 |
| Pretax return on assets | 2.0468% | 564 |
| Return on Equity (ROE) | 20.4856% | 284 |
| Retained earnings to average equity (ytd only) | 3.3533% | 4,089 |
| Net charge-offs to loans | -0.0104% | 7,272 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5664% | 7,236 |
| Assets per employee ($millions) | 5.2812% | 1,841 |
| Cash dividends to net income (ytd only)* | 83.6307% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 6,010 |
| Loan loss allowance to noncurrent loans | 24.1579% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 2.1979% | 3,203 |
| Noncurrent loans to loans | 4.4850% | 1,612 |
| Net loans and leases to total assets | 45.4581% | 6,747 |
| Net loans and leases to deposits | 51.3381% | 6,921 |
| Net loans and leases to core deposits | 56.7874% | 6,805 |
| Total domestic deposits to total assets | 88.5464% | 1,652 |
| Equity capital to assets | 10.5650% | 3,450 |
| Core capital (leverage) ratio | 9.4732% | 3,941 |
| Tier 1 risk-based capital ratio | 14.0926% | 3,768 |
| Total risk-based capital ratio | 14.8419% | 4,076 |
| Memoranda: | ||
| Average total assets | $146,044,500 | 4,002 |
| Average earning assets | $135,128,000 | 3,968 |
| Average equity | $14,592,000 | 4,078 |
| Average total loans | $63,857,500 | 4,985 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 6,059 |
| Cost of funding earning assets | 0.6748% | 7,244 |
| Net interest margin | 4.0504% | 2,786 |
| Noninterest income to average assets | 0.3859% | 5,027 |
| Noninterest expense to average assets | 1.9498% | 7,185 |
| Loan and lease loss provision to assets | 0.0815% | 6,116 |
| Net operating income to assets | 2.0816% | 286 |
| Return on assets (ROA) | 2.0816% | 312 |
| Pretax return on assets | 2.0816% | 507 |
| Return on Equity (ROE) | 21.2272% | 246 |
| Retained earnings to average equity (ytd only) | 3.9074% | 3,602 |
| Net charge-offs to loans | 0.0506% | 5,680 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 329 |
| Efficiency ratio | 47.4067% | 7,374 |
| Assets per employee ($millions) | 5.6527% | 1,488 |
| Cash dividends to net income (ytd only)* | 81.5927% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,333 |
| Loan loss allowance to noncurrent loans | 24.2636% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 1.9073% | 3,611 |
| Noncurrent loans to loans | 4.1830% | 1,782 |
| Net loans and leases to total assets | 42.1103% | 7,038 |
| Net loans and leases to deposits | 47.0718% | 7,202 |
| Net loans and leases to core deposits | 52.1609% | 7,128 |
| Total domestic deposits to total assets | 89.4596% | 1,202 |
| Equity capital to assets | 9.7495% | 4,338 |
| Core capital (leverage) ratio | 9.6540% | 3,599 |
| Tier 1 risk-based capital ratio | 12.9045% | 4,523 |
| Total risk-based capital ratio | 13.5454% | 5,016 |
| Memoranda: | ||
| Average total assets | $147,195,000 | 4,011 |
| Average earning assets | $135,443,670 | 3,990 |
| Average equity | $14,434,330 | 4,106 |
| Average total loans | $63,300,000 | 5,039 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 6,231 |
| Cost of funding earning assets | 0.7003% | 7,335 |
| Net interest margin | 4.0031% | 2,861 |
| Noninterest income to average assets | 0.3821% | 5,076 |
| Noninterest expense to average assets | 1.9518% | 7,248 |
| Loan and lease loss provision to assets | 0.0831% | 5,809 |
| Net operating income to assets | 2.0819% | 302 |
| Return on assets (ROA) | 2.0819% | 331 |
| Pretax return on assets | 2.0819% | 521 |
| Return on Equity (ROE) | 21.1660% | 320 |
| Retained earnings to average equity (ytd only) | 3.5746% | 4,009 |
| Net charge-offs to loans | 0.0064% | 5,521 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 27 |
| Efficiency ratio | 47.4109% | 7,480 |
| Assets per employee ($millions) | 5.3668% | 1,811 |
| Cash dividends to net income (ytd only)* | 83.1117% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 6,339 |
| Loan loss allowance to noncurrent loans | 20.6014% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 2.2919% | 3,160 |
| Noncurrent loans to loans | 4.9834% | 1,458 |
| Net loans and leases to total assets | 42.8452% | 7,071 |
| Net loans and leases to deposits | 48.1854% | 7,227 |
| Net loans and leases to core deposits | 52.7660% | 7,165 |
| Total domestic deposits to total assets | 88.9174% | 1,560 |
| Equity capital to assets | 9.8880% | 4,009 |
| Core capital (leverage) ratio | 9.3973% | 3,908 |
| Tier 1 risk-based capital ratio | 14.4660% | 3,403 |
| Total risk-based capital ratio | 15.1765% | 3,665 |
| Memoranda: | ||
| Average total assets | $144,481,000 | 4,120 |
| Average earning assets | $134,797,000 | 4,062 |
| Average equity | $14,211,500 | 4,193 |
| Average total loans | $62,485,500 | 5,151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 5,972 |
| Cost of funding earning assets | 0.8000% | 7,553 |
| Net interest margin | 4.3270% | 1,642 |
| Noninterest income to average assets | 0.4399% | 4,885 |
| Noninterest expense to average assets | 2.0546% | 7,277 |
| Loan and lease loss provision to assets | 0.5072% | 3,840 |
| Net operating income to assets | 1.8963% | 289 |
| Return on assets (ROA) | 1.9020% | 297 |
| Pretax return on assets | 1.9020% | 507 |
| Return on Equity (ROE) | 18.8815% | 311 |
| Retained earnings to average equity (ytd only) | 1.1023% | 4,270 |
| Net charge-offs to loans | 1.3367% | 1,869 |
| Credit loss provision to net charge-offs | 83.7870% | 6,196 |
| Earnings coverage of net charge-offs (x) | 3.9704% | 3,122 |
| Efficiency ratio | 46.0871% | 7,709 |
| Assets per employee ($millions) | 5.5407% | 1,608 |
| Cash dividends to net income (ytd only)* | 94.1620% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,455 |
| Loan loss allowance to noncurrent loans | 19.6110% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 2.3594% | 2,942 |
| Noncurrent loans to loans | 5.0383% | 1,339 |
| Net loans and leases to total assets | 42.7797% | 7,205 |
| Net loans and leases to deposits | 48.0590% | 7,356 |
| Net loans and leases to core deposits | 57.6874% | 7,352 |
| Total domestic deposits to total assets | 89.0149% | 1,478 |
| Equity capital to assets | 9.7842% | 4,025 |
| Core capital (leverage) ratio | 9.9376% | 3,152 |
| Tier 1 risk-based capital ratio | 14.0206% | 3,488 |
| Total risk-based capital ratio | 14.6846% | 3,809 |
| Memoranda: | ||
| Average total assets | $139,586,800 | 4,133 |
| Average earning assets | $129,628,000 | 4,095 |
| Average equity | $14,061,400 | 4,236 |
| Average total loans | $63,216,200 | 5,127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 5,303 |
| Cost of funding earning assets | 0.8114% | 7,675 |
| Net interest margin | 4.5136% | 1,163 |
| Noninterest income to average assets | 0.4323% | 5,029 |
| Noninterest expense to average assets | 2.1078% | 7,175 |
| Loan and lease loss provision to assets | 0.6817% | 2,692 |
| Net operating income to assets | 1.8420% | 406 |
| Return on assets (ROA) | 1.8420% | 427 |
| Pretax return on assets | 1.8420% | 740 |
| Return on Equity (ROE) | 18.1499% | 439 |
| Retained earnings to average equity (ytd only) | 0.3606% | 5,047 |
| Net charge-offs to loans | 0.1051% | 5,621 |
| Credit loss provision to net charge-offs | 1,416.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 52.4161% | 603 |
| Efficiency ratio | 45.5094% | 7,788 |
| Assets per employee ($millions) | 4.7060% | 2,547 |
| Cash dividends to net income (ytd only)* | 98.0138% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1716% | 1,471 |
| Loan loss allowance to noncurrent loans | 35.7959% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 2.9894% | 2,319 |
| Noncurrent loans to loans | 6.0665% | 968 |
| Net loans and leases to total assets | 48.2063% | 6,931 |
| Net loans and leases to deposits | 54.8963% | 7,153 |
| Net loans and leases to core deposits | 65.1053% | 7,199 |
| Total domestic deposits to total assets | 87.8133% | 1,742 |
| Equity capital to assets | 10.7827% | 3,224 |
| Core capital (leverage) ratio | 9.8335% | 3,477 |
| Tier 1 risk-based capital ratio | 15.1206% | 2,991 |
| Total risk-based capital ratio | 16.3755% | 2,923 |
| Memoranda: | ||
| Average total assets | $138,468,750 | 4,169 |
| Average earning assets | $128,822,250 | 4,132 |
| Average equity | $14,053,000 | 4,284 |
| Average total loans | $63,459,500 | 5,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 5,682 |
| Cost of funding earning assets | 0.8145% | 7,803 |
| Net interest margin | 4.4796% | 1,216 |
| Noninterest income to average assets | 0.4094% | 5,202 |
| Noninterest expense to average assets | 2.1080% | 7,261 |
| Loan and lease loss provision to assets | 0.0640% | 6,571 |
| Net operating income to assets | 2.3965% | 131 |
| Return on assets (ROA) | 2.3965% | 146 |
| Pretax return on assets | 2.3965% | 256 |
| Return on Equity (ROE) | 24.0834% | 153 |
| Retained earnings to average equity (ytd only) | 6.2280% | 1,919 |
| Net charge-offs to loans | 0.0159% | 6,305 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 346.2000% | 109 |
| Efficiency ratio | 46.1419% | 7,843 |
| Assets per employee ($millions) | 5.2545% | 1,810 |
| Cash dividends to net income (ytd only)* | 74.1400% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 4,559 |
| Loan loss allowance to noncurrent loans | 21.3420% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 2.6157% | 2,456 |
| Noncurrent loans to loans | 5.8904% | 940 |
| Net loans and leases to total assets | 43.8487% | 7,343 |
| Net loans and leases to deposits | 49.4476% | 7,509 |
| Net loans and leases to core deposits | 58.9441% | 7,488 |
| Total domestic deposits to total assets | 88.6771% | 1,448 |
| Equity capital to assets | 9.9421% | 4,029 |
| Core capital (leverage) ratio | 9.6907% | 3,644 |
| Tier 1 risk-based capital ratio | 12.4337% | 4,572 |
| Total risk-based capital ratio | 13.1759% | 4,896 |
| Memoranda: | ||
| Average total assets | $140,702,670 | 4,161 |
| Average earning assets | $130,637,330 | 4,120 |
| Average equity | $14,001,330 | 4,304 |
| Average total loans | $62,969,330 | 5,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 5,247 |
| Cost of funding earning assets | 0.8699% | 7,846 |
| Net interest margin | 4.5660% | 1,005 |
| Noninterest income to average assets | 0.4082% | 5,148 |
| Noninterest expense to average assets | 2.0925% | 7,131 |
| Loan and lease loss provision to assets | 0.0628% | 6,166 |
| Net operating income to assets | 2.4636% | 145 |
| Return on assets (ROA) | 2.4636% | 175 |
| Pretax return on assets | 2.4636% | 277 |
| Return on Equity (ROE) | 24.7464% | 200 |
| Retained earnings to average equity (ytd only) | 6.8246% | 2,276 |
| Net charge-offs to loans | 0.0318% | 5,074 |
| Credit loss provision to net charge-offs | 440.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 245 |
| Efficiency ratio | 45.3028% | 7,877 |
| Assets per employee ($millions) | 5.1033% | 1,955 |
| Cash dividends to net income (ytd only)* | 72.4218% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 4,576 |
| Loan loss allowance to noncurrent loans | 53.6262% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 4,609 |
| Noncurrent loans to loans | 2.2966% | 2,862 |
| Net loans and leases to total assets | 44.7568% | 7,284 |
| Net loans and leases to deposits | 50.7351% | 7,464 |
| Net loans and leases to core deposits | 60.7862% | 7,425 |
| Total domestic deposits to total assets | 88.2168% | 1,633 |
| Equity capital to assets | 10.3049% | 3,653 |
| Core capital (leverage) ratio | 9.5686% | 3,908 |
| Tier 1 risk-based capital ratio | 12.4889% | 4,560 |
| Total risk-based capital ratio | 13.2238% | 4,877 |
| Memoranda: | ||
| Average total assets | $140,118,000 | 4,181 |
| Average earning assets | $129,215,500 | 4,171 |
| Average equity | $13,949,500 | 4,346 |
| Average total loans | $62,953,500 | 5,248 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7622% | 6,550 |
| Cost of funding earning assets | 1.2109% | 7,931 |
| Net interest margin | 4.5513% | 1,311 |
| Noninterest income to average assets | 0.4163% | 5,333 |
| Noninterest expense to average assets | 1.7923% | 7,763 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.6864% | 91 |
| Return on assets (ROA) | 2.6864% | 92 |
| Pretax return on assets | 2.6864% | 138 |
| Return on Equity (ROE) | 30.2414% | 58 |
| Retained earnings to average equity (ytd only) | 1.9890% | 3,995 |
| Net charge-offs to loans | -0.0032% | 7,762 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0179% | 8,134 |
| Assets per employee ($millions) | 5.2758% | 1,666 |
| Cash dividends to net income (ytd only)* | 93.4230% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,662 |
| Loan loss allowance to noncurrent loans | 592.1260% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 7,226 |
| Noncurrent loans to loans | 0.2001% | 6,787 |
| Net loans and leases to total assets | 44.0276% | 7,464 |
| Net loans and leases to deposits | 49.4656% | 7,652 |
| Net loans and leases to core deposits | 58.5190% | 7,651 |
| Total domestic deposits to total assets | 89.0064% | 1,039 |
| Equity capital to assets | 9.6176% | 4,521 |
| Core capital (leverage) ratio | 9.2383% | 4,381 |
| Tier 1 risk-based capital ratio | 11.9468% | 4,864 |
| Total risk-based capital ratio | 12.4608% | 5,411 |
| Memoranda: | ||
| Average total assets | $149,418,200 | 3,910 |
| Average earning assets | $133,368,600 | 3,985 |
| Average equity | $13,273,200 | 4,504 |
| Average total loans | $63,312,400 | 5,130 |