Home > Western Bank > Performance and Condition Ratios
Western Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6919% | 291 |
| Cost of funding earning assets | 2.1371% | 719 |
| Net interest margin | 4.5549% | 562 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.2106% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5286% | 968 |
| Return on assets (ROA) | 1.5286% | 939 |
| Pretax return on assets | 1.5286% | 1,359 |
| Return on Equity (ROE) | 20.4000% | 579 |
| Retained earnings to average equity (ytd only) | 10.5548% | 891 |
| Net charge-offs to loans | 0.0057% | 2,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 402 |
| Efficiency ratio | 67.4402% | 2,177 |
| Assets per employee ($millions) | 5.4078% | 3,324 |
| Cash dividends to net income (ytd only)* | 48.2656% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 1,679 |
| Loan loss allowance to noncurrent loans | 593.5612% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 2,350 |
| Noncurrent loans to loans | 0.2225% | 2,430 |
| Net loans and leases to total assets | 78.7600% | 789 |
| Net loans and leases to deposits | 91.4593% | 1,145 |
| Net loans and leases to core deposits | 110.5870% | 939 |
| Total domestic deposits to total assets | 86.1100% | 1,974 |
| Equity capital to assets | 7.8040% | 3,541 |
| Core capital (leverage) ratio | 8.9137% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $635,543,400 | 1,403 |
| Average earning assets | $583,419,600 | 1,412 |
| Average equity | $47,618,200 | 1,664 |
| Average total loans | $505,863,000 | 1,222 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4155% | 333 |
| Cost of funding earning assets | 1.9065% | 853 |
| Net interest margin | 4.5090% | 608 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.0769% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6823% | 816 |
| Return on assets (ROA) | 1.6823% | 807 |
| Pretax return on assets | 1.6823% | 1,197 |
| Return on Equity (ROE) | 22.7200% | 508 |
| Retained earnings to average equity (ytd only) | 11.5704% | 1,058 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.3386% | 2,456 |
| Assets per employee ($millions) | 5.4532% | 3,221 |
| Cash dividends to net income (ytd only)* | 49.0820% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,616 |
| Loan loss allowance to noncurrent loans | 749,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,898 |
| Noncurrent loans to loans | 0.0002% | 3,844 |
| Net loans and leases to total assets | 79.6900% | 686 |
| Net loans and leases to deposits | 93.4773% | 940 |
| Net loans and leases to core deposits | 111.5720% | 815 |
| Total domestic deposits to total assets | 85.2500% | 2,429 |
| Equity capital to assets | 6.9860% | 3,617 |
| Core capital (leverage) ratio | 8.8433% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $617,324,000 | 1,442 |
| Average earning assets | $567,648,250 | 1,447 |
| Average equity | $45,701,500 | 1,702 |
| Average total loans | $490,977,250 | 1,246 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3040% | 309 |
| Cost of funding earning assets | 1.7431% | 825 |
| Net interest margin | 4.5608% | 568 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 3.0862% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9037% | 555 |
| Return on assets (ROA) | 1.9037% | 550 |
| Pretax return on assets | 1.9037% | 859 |
| Return on Equity (ROE) | 25.1700% | 376 |
| Retained earnings to average equity (ytd only) | 13.4171% | 755 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5390% | 2,771 |
| Assets per employee ($millions) | 5.3897% | 3,244 |
| Cash dividends to net income (ytd only)* | 46.7031% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 1,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.7600% | 860 |
| Net loans and leases to deposits | 94.3630% | 826 |
| Net loans and leases to core deposits | 106.3702% | 967 |
| Total domestic deposits to total assets | 82.4100% | 3,157 |
| Equity capital to assets | 7.6363% | 3,449 |
| Core capital (leverage) ratio | 9.0811% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $595,881,667 | 1,483 |
| Average earning assets | $548,320,000 | 1,502 |
| Average equity | $45,062,000 | 1,723 |
| Average total loans | $471,078,667 | 1,277 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1118% | 269 |
| Cost of funding earning assets | 1.6188% | 674 |
| Net interest margin | 4.4930% | 589 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 3.0467% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4225% | 269 |
| Return on assets (ROA) | 2.4225% | 267 |
| Pretax return on assets | 2.4225% | 398 |
| Return on Equity (ROE) | 32.2000% | 194 |
| Retained earnings to average equity (ytd only) | 24.4271% | 197 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.4171% | 3,466 |
| Assets per employee ($millions) | 5.3428% | 3,368 |
| Cash dividends to net income (ytd only)* | 24.1477% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,038 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.7800% | 785 |
| Net loans and leases to deposits | 89.6451% | 1,084 |
| Net loans and leases to core deposits | 101.6412% | 1,018 |
| Total domestic deposits to total assets | 86.7600% | 2,356 |
| Equity capital to assets | 7.9584% | 3,268 |
| Core capital (leverage) ratio | 9.5963% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $581,222,000 | 1,545 |
| Average earning assets | $535,942,500 | 1,547 |
| Average equity | $43,722,000 | 1,775 |
| Average total loans | $459,780,500 | 1,316 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 192 |
| Cost of funding earning assets | 0.5438% | 1,140 |
| Net interest margin | 4.7556% | 187 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 3.2722% | 655 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2938% | 1,456 |
| Return on assets (ROA) | 1.2938% | 1,416 |
| Pretax return on assets | 1.2938% | 2,109 |
| Return on Equity (ROE) | 16.1800% | 1,021 |
| Retained earnings to average equity (ytd only) | 6.6863% | 2,375 |
| Net charge-offs to loans | 0.0047% | 2,263 |
| Credit loss provision to net charge-offs | 1,470.5882% | 336 |
| Earnings coverage of net charge-offs (x) | 372.5294% | 415 |
| Efficiency ratio | 70.4162% | 1,629 |
| Assets per employee ($millions) | 5.4236% | 3,289 |
| Cash dividends to net income (ytd only)* | 58.6717% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 3,788 |
| Loan loss allowance to noncurrent loans | 9,990.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,839 |
| Noncurrent loans to loans | 0.0090% | 3,790 |
| Net loans and leases to total assets | 78.4800% | 754 |
| Net loans and leases to deposits | 89.7177% | 1,070 |
| Net loans and leases to core deposits | 103.7501% | 828 |
| Total domestic deposits to total assets | 87.4700% | 2,242 |
| Equity capital to assets | 7.0600% | 3,637 |
| Core capital (leverage) ratio | 8.5211% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $470,174,400 | 1,798 |
| Average earning assets | $430,841,400 | 1,816 |
| Average equity | $37,599,400 | 2,013 |
| Average total loans | $359,369,600 | 1,517 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 243 |
| Cost of funding earning assets | 0.3007% | 2,159 |
| Net interest margin | 4.5882% | 203 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 3.2674% | 622 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1005% | 2,094 |
| Return on assets (ROA) | 1.1005% | 2,061 |
| Pretax return on assets | 1.1005% | 2,724 |
| Return on Equity (ROE) | 13.2700% | 1,623 |
| Retained earnings to average equity (ytd only) | 2.0804% | 4,011 |
| Net charge-offs to loans | -0.0024% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.0852% | 1,379 |
| Assets per employee ($millions) | 4.6285% | 3,957 |
| Cash dividends to net income (ytd only)* | 84.3233% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,428 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.6100% | 563 |
| Net loans and leases to deposits | 92.2920% | 751 |
| Net loans and leases to core deposits | 101.4688% | 761 |
| Total domestic deposits to total assets | 86.2600% | 2,999 |
| Equity capital to assets | 7.4364% | 3,256 |
| Core capital (leverage) ratio | 9.1460% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $446,704,500 | 1,870 |
| Average earning assets | $408,863,500 | 1,892 |
| Average equity | $37,043,750 | 2,064 |
| Average total loans | $337,550,000 | 1,580 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 284 |
| Cost of funding earning assets | 0.2175% | 2,669 |
| Net interest margin | 4.4143% | 221 |
| Noninterest income to average assets | 0.1895% | 4,056 |
| Noninterest expense to average assets | 3.2142% | 614 |
| Loan and lease loss provision to assets | 0.1161% | 866 |
| Net operating income to assets | 0.8943% | 2,605 |
| Return on assets (ROA) | 0.8943% | 2,581 |
| Pretax return on assets | 0.8943% | 3,083 |
| Return on Equity (ROE) | 10.3731% | 2,197 |
| Retained earnings to average equity (ytd only) | 0.5065% | 4,093 |
| Net charge-offs to loans | -0.0038% | 3,263 |
| Credit loss provision to net charge-offs | -4,166.6667% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5773% | 1,323 |
| Assets per employee ($millions) | 4.4635% | 4,101 |
| Cash dividends to net income (ytd only)* | 95.1169% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.2768% | 795 |
| Net loans and leases to deposits | 85.1171% | 1,048 |
| Net loans and leases to core deposits | 93.3490% | 952 |
| Total domestic deposits to total assets | 88.4392% | 2,409 |
| Equity capital to assets | 8.0408% | 3,092 |
| Core capital (leverage) ratio | 9.3660% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,522,333 | 1,937 |
| Average earning assets | $393,541,000 | 1,968 |
| Average equity | $37,115,333 | 2,107 |
| Average total loans | $317,308,667 | 1,642 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 340 |
| Cost of funding earning assets | 0.2163% | 2,575 |
| Net interest margin | 4.2471% | 263 |
| Noninterest income to average assets | 0.3387% | 3,063 |
| Noninterest expense to average assets | 3.0668% | 725 |
| Loan and lease loss provision to assets | 0.0952% | 867 |
| Net operating income to assets | 1.0629% | 1,644 |
| Return on assets (ROA) | 1.0629% | 1,637 |
| Pretax return on assets | 1.0629% | 2,254 |
| Return on Equity (ROE) | 11.8993% | 1,348 |
| Retained earnings to average equity (ytd only) | 4.8684% | 2,640 |
| Net charge-offs to loans | -0.0079% | 3,499 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0721% | 1,963 |
| Assets per employee ($millions) | 4.9003% | 3,835 |
| Cash dividends to net income (ytd only)* | 59.0868% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.5128% | 970 |
| Net loans and leases to deposits | 77.6364% | 1,315 |
| Net loans and leases to core deposits | 85.4411% | 1,163 |
| Total domestic deposits to total assets | 90.8244% | 1,127 |
| Equity capital to assets | 8.9926% | 2,716 |
| Core capital (leverage) ratio | 9.7608% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $420,375,500 | 1,982 |
| Average earning assets | $384,639,500 | 2,007 |
| Average equity | $37,548,500 | 2,149 |
| Average total loans | $304,273,500 | 1,687 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 462 |
| Cost of funding earning assets | 0.3540% | 1,907 |
| Net interest margin | 4.2923% | 412 |
| Noninterest income to average assets | 0.3385% | 3,387 |
| Noninterest expense to average assets | 2.8990% | 1,157 |
| Loan and lease loss provision to assets | 0.0942% | 1,328 |
| Net operating income to assets | 1.2826% | 1,656 |
| Return on assets (ROA) | 1.2826% | 1,709 |
| Pretax return on assets | 1.2826% | 2,409 |
| Return on Equity (ROE) | 13.7098% | 1,263 |
| Retained earnings to average equity (ytd only) | 3.2968% | 3,496 |
| Net charge-offs to loans | -0.0108% | 3,766 |
| Credit loss provision to net charge-offs | -1,193.5484% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2524% | 2,091 |
| Assets per employee ($millions) | 5.0540% | 3,686 |
| Cash dividends to net income (ytd only)* | 75.9531% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.4620% | 811 |
| Net loans and leases to deposits | 79.6393% | 1,246 |
| Net loans and leases to core deposits | 88.6141% | 1,040 |
| Total domestic deposits to total assets | 90.9877% | 495 |
| Equity capital to assets | 8.8699% | 3,746 |
| Core capital (leverage) ratio | 9.1288% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,653,600 | 2,015 |
| Average earning assets | $360,184,000 | 2,041 |
| Average equity | $36,732,800 | 2,214 |
| Average total loans | $287,514,400 | 1,754 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 486 |
| Cost of funding earning assets | 0.3942% | 1,741 |
| Net interest margin | 4.3028% | 447 |
| Noninterest income to average assets | 0.3374% | 3,418 |
| Noninterest expense to average assets | 2.8728% | 1,183 |
| Loan and lease loss provision to assets | 0.0930% | 1,282 |
| Net operating income to assets | 1.3181% | 1,766 |
| Return on assets (ROA) | 1.3181% | 1,822 |
| Pretax return on assets | 1.3181% | 2,580 |
| Return on Equity (ROE) | 13.8971% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.1640% | 3,526 |
| Net charge-offs to loans | -0.0146% | 3,837 |
| Credit loss provision to net charge-offs | -870.9677% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5059% | 2,030 |
| Assets per employee ($millions) | 4.8500% | 3,841 |
| Cash dividends to net income (ytd only)* | 70.0366% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.4221% | 832 |
| Net loans and leases to deposits | 80.3495% | 1,255 |
| Net loans and leases to core deposits | 89.5287% | 1,059 |
| Total domestic deposits to total assets | 90.1338% | 715 |
| Equity capital to assets | 9.5525% | 3,331 |
| Core capital (leverage) ratio | 9.4653% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,211,000 | 2,058 |
| Average earning assets | $355,143,500 | 2,082 |
| Average equity | $36,726,250 | 2,246 |
| Average total loans | $283,377,250 | 1,807 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 491 |
| Cost of funding earning assets | 0.4341% | 1,625 |
| Net interest margin | 4.3313% | 464 |
| Noninterest income to average assets | 0.3292% | 3,461 |
| Noninterest expense to average assets | 2.8133% | 1,321 |
| Loan and lease loss provision to assets | 0.0879% | 1,411 |
| Net operating income to assets | 1.4090% | 1,540 |
| Return on assets (ROA) | 1.4090% | 1,604 |
| Pretax return on assets | 1.4090% | 2,305 |
| Return on Equity (ROE) | 14.8906% | 1,185 |
| Retained earnings to average equity (ytd only) | 4.1733% | 3,465 |
| Net charge-offs to loans | -0.0212% | 4,025 |
| Credit loss provision to net charge-offs | -566.6667% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7200% | 2,333 |
| Assets per employee ($millions) | 4.9309% | 3,714 |
| Cash dividends to net income (ytd only)* | 71.9736% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 70.8056% | 1,113 |
| Net loans and leases to deposits | 80.5708% | 1,371 |
| Net loans and leases to core deposits | 90.2274% | 1,127 |
| Total domestic deposits to total assets | 87.8799% | 1,899 |
| Equity capital to assets | 9.3062% | 3,503 |
| Core capital (leverage) ratio | 8.9804% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,947,000 | 2,050 |
| Average earning assets | $355,647,333 | 2,068 |
| Average equity | $36,613,667 | 2,248 |
| Average total loans | $282,948,667 | 1,815 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 427 |
| Cost of funding earning assets | 0.4893% | 1,460 |
| Net interest margin | 4.3910% | 435 |
| Noninterest income to average assets | 0.3330% | 3,433 |
| Noninterest expense to average assets | 2.7621% | 1,462 |
| Loan and lease loss provision to assets | 0.1044% | 1,307 |
| Net operating income to assets | 1.5042% | 1,323 |
| Return on assets (ROA) | 1.5042% | 1,381 |
| Pretax return on assets | 1.5042% | 1,981 |
| Return on Equity (ROE) | 15.7635% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.1543% | 2,527 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6463% | 2,650 |
| Assets per employee ($millions) | 4.9734% | 3,689 |
| Cash dividends to net income (ytd only)* | 54.6149% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.0636% | 1,015 |
| Net loans and leases to deposits | 82.1629% | 1,325 |
| Net loans and leases to core deposits | 91.0614% | 1,165 |
| Total domestic deposits to total assets | 87.7083% | 1,994 |
| Equity capital to assets | 9.4881% | 3,215 |
| Core capital (leverage) ratio | 9.1896% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,186,000 | 2,049 |
| Average earning assets | $352,356,500 | 2,067 |
| Average equity | $36,565,500 | 2,229 |
| Average total loans | $282,988,500 | 1,815 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 425 |
| Cost of funding earning assets | 0.7633% | 1,381 |
| Net interest margin | 4.3237% | 484 |
| Noninterest income to average assets | 0.3468% | 3,390 |
| Noninterest expense to average assets | 2.7195% | 2,178 |
| Loan and lease loss provision to assets | 0.1979% | 1,972 |
| Net operating income to assets | 1.3859% | 1,052 |
| Return on assets (ROA) | 1.3977% | 1,116 |
| Pretax return on assets | 1.3977% | 1,661 |
| Return on Equity (ROE) | 15.2148% | 604 |
| Retained earnings to average equity (ytd only) | 4.7365% | 2,401 |
| Net charge-offs to loans | -0.0144% | 4,343 |
| Credit loss provision to net charge-offs | -1,837.5000% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6204% | 3,033 |
| Assets per employee ($millions) | 4.8518% | 3,547 |
| Cash dividends to net income (ytd only)* | 68.8692% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.8809% | 1,035 |
| Net loans and leases to deposits | 84.4406% | 1,411 |
| Net loans and leases to core deposits | 96.4766% | 1,095 |
| Total domestic deposits to total assets | 87.4946% | 1,709 |
| Equity capital to assets | 9.5982% | 3,519 |
| Core capital (leverage) ratio | 9.2083% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,391,000 | 1,951 |
| Average earning assets | $339,844,000 | 1,983 |
| Average equity | $34,118,200 | 2,278 |
| Average total loans | $276,982,600 | 1,789 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 450 |
| Cost of funding earning assets | 0.8080% | 1,459 |
| Net interest margin | 4.3495% | 530 |
| Noninterest income to average assets | 0.3376% | 3,456 |
| Noninterest expense to average assets | 2.6963% | 2,272 |
| Loan and lease loss provision to assets | 0.1569% | 2,442 |
| Net operating income to assets | 1.4591% | 978 |
| Return on assets (ROA) | 1.4750% | 1,035 |
| Pretax return on assets | 1.4750% | 1,502 |
| Return on Equity (ROE) | 16.2419% | 521 |
| Retained earnings to average equity (ytd only) | 6.5817% | 1,853 |
| Net charge-offs to loans | -0.0194% | 4,409 |
| Credit loss provision to net charge-offs | -1,087.5000% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9490% | 3,089 |
| Assets per employee ($millions) | 5.3589% | 2,827 |
| Cash dividends to net income (ytd only)* | 59.4766% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.7690% | 1,541 |
| Net loans and leases to deposits | 86.6433% | 1,628 |
| Net loans and leases to core deposits | 99.0867% | 1,233 |
| Total domestic deposits to total assets | 83.9869% | 2,829 |
| Equity capital to assets | 9.0592% | 4,069 |
| Core capital (leverage) ratio | 8.9075% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,627,750 | 1,941 |
| Average earning assets | $337,778,000 | 1,966 |
| Average equity | $33,566,750 | 2,301 |
| Average total loans | $275,488,250 | 1,786 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3282% | 460 |
| Cost of funding earning assets | 0.8648% | 1,521 |
| Net interest margin | 4.4635% | 543 |
| Noninterest income to average assets | 0.3388% | 3,446 |
| Noninterest expense to average assets | 2.7236% | 2,312 |
| Loan and lease loss provision to assets | 0.0604% | 3,545 |
| Net operating income to assets | 1.6248% | 723 |
| Return on assets (ROA) | 1.6248% | 794 |
| Pretax return on assets | 1.6248% | 1,169 |
| Return on Equity (ROE) | 17.8768% | 379 |
| Retained earnings to average equity (ytd only) | 6.8390% | 1,724 |
| Net charge-offs to loans | -0.0293% | 4,530 |
| Credit loss provision to net charge-offs | -275.0000% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2031% | 3,249 |
| Assets per employee ($millions) | 4.7725% | 3,441 |
| Cash dividends to net income (ytd only)* | 61.7438% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 74.1034% | 1,396 |
| Net loans and leases to deposits | 88.2015% | 1,535 |
| Net loans and leases to core deposits | 101.0847% | 1,185 |
| Total domestic deposits to total assets | 84.0161% | 2,742 |
| Equity capital to assets | 9.0111% | 4,081 |
| Core capital (leverage) ratio | 8.8337% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,223,667 | 1,946 |
| Average earning assets | $332,117,667 | 1,972 |
| Average equity | $33,104,333 | 2,316 |
| Average total loans | $272,706,333 | 1,779 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 518 |
| Cost of funding earning assets | 0.9425% | 1,677 |
| Net interest margin | 4.3899% | 636 |
| Noninterest income to average assets | 0.3702% | 3,297 |
| Noninterest expense to average assets | 2.7909% | 2,453 |
| Loan and lease loss provision to assets | 0.0844% | 2,636 |
| Net operating income to assets | 1.5103% | 763 |
| Return on assets (ROA) | 1.5103% | 833 |
| Pretax return on assets | 1.5103% | 1,278 |
| Return on Equity (ROE) | 16.5401% | 380 |
| Retained earnings to average equity (ytd only) | 3.2661% | 2,975 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0485% | 3,364 |
| Assets per employee ($millions) | 4.6756% | 3,021 |
| Cash dividends to net income (ytd only)* | 80.2534% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.3662% | 1,554 |
| Net loans and leases to deposits | 87.0843% | 1,856 |
| Net loans and leases to core deposits | 102.9908% | 1,247 |
| Total domestic deposits to total assets | 85.3956% | 2,250 |
| Equity capital to assets | 8.8698% | 4,661 |
| Core capital (leverage) ratio | 8.8412% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3710% | 3,257 |
| Memoranda: | ||
| Average total assets | $355,437,500 | 1,938 |
| Average earning assets | $325,108,000 | 1,951 |
| Average equity | $32,454,500 | 2,332 |
| Average total loans | $266,229,000 | 1,776 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 812 |
| Cost of funding earning assets | 0.8883% | 2,238 |
| Net interest margin | 4.4168% | 865 |
| Noninterest income to average assets | 0.3538% | 3,586 |
| Noninterest expense to average assets | 3.0473% | 1,888 |
| Loan and lease loss provision to assets | 0.1733% | 1,207 |
| Net operating income to assets | 1.1321% | 2,327 |
| Return on assets (ROA) | 1.1321% | 2,419 |
| Pretax return on assets | 1.1321% | 3,070 |
| Return on Equity (ROE) | 12.4489% | 1,341 |
| Retained earnings to average equity (ytd only) | 3.2046% | 3,417 |
| Net charge-offs to loans | -0.0005% | 4,147 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2779% | 2,278 |
| Assets per employee ($millions) | 4.3228% | 3,476 |
| Cash dividends to net income (ytd only)* | 74.2577% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.9440% | 1,767 |
| Net loans and leases to deposits | 86.3643% | 2,043 |
| Net loans and leases to core deposits | 102.8377% | 1,328 |
| Total domestic deposits to total assets | 85.6187% | 2,228 |
| Equity capital to assets | 9.4132% | 4,416 |
| Core capital (leverage) ratio | 9.0316% | 4,510 |
| Tier 1 risk-based capital ratio | 10.9707% | 4,869 |
| Total risk-based capital ratio | 11.8618% | 4,909 |
| Memoranda: | ||
| Average total assets | $288,585,200 | 2,233 |
| Average earning assets | $261,272,600 | 2,267 |
| Average equity | $26,243,200 | 2,613 |
| Average total loans | $207,826,000 | 2,106 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 1,249 |
| Cost of funding earning assets | 0.8186% | 2,623 |
| Net interest margin | 4.2998% | 1,165 |
| Noninterest income to average assets | 0.3302% | 3,769 |
| Noninterest expense to average assets | 2.9750% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2415% | 2,046 |
| Return on assets (ROA) | 1.2415% | 2,126 |
| Pretax return on assets | 1.2415% | 2,845 |
| Return on Equity (ROE) | 13.8027% | 1,026 |
| Retained earnings to average equity (ytd only) | 1.5827% | 4,404 |
| Net charge-offs to loans | -0.0007% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7634% | 2,150 |
| Assets per employee ($millions) | 4.9684% | 2,593 |
| Cash dividends to net income (ytd only)* | 88.5335% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.4342% | 2,100 |
| Net loans and leases to deposits | 86.0542% | 2,182 |
| Net loans and leases to core deposits | 101.9544% | 1,507 |
| Total domestic deposits to total assets | 84.1727% | 2,759 |
| Equity capital to assets | 9.0688% | 4,745 |
| Core capital (leverage) ratio | 9.0501% | 4,599 |
| Tier 1 risk-based capital ratio | 11.1553% | 4,841 |
| Total risk-based capital ratio | 11.8996% | 4,958 |
| Memoranda: | ||
| Average total assets | $275,356,750 | 2,319 |
| Average earning assets | $248,875,000 | 2,360 |
| Average equity | $24,767,500 | 2,751 |
| Average total loans | $196,006,250 | 2,215 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 865 |
| Cost of funding earning assets | 0.7946% | 2,672 |
| Net interest margin | 4.4758% | 812 |
| Noninterest income to average assets | 0.3336% | 3,705 |
| Noninterest expense to average assets | 3.1933% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1671% | 2,270 |
| Return on assets (ROA) | 1.1671% | 2,345 |
| Pretax return on assets | 1.1671% | 3,018 |
| Return on Equity (ROE) | 13.0253% | 1,233 |
| Retained earnings to average equity (ytd only) | 3.7139% | 3,402 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2335% | 1,743 |
| Assets per employee ($millions) | 4.1072% | 3,719 |
| Cash dividends to net income (ytd only)* | 71.4870% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.8850% | 2,228 |
| Net loans and leases to deposits | 86.4627% | 2,207 |
| Net loans and leases to core deposits | 99.4511% | 1,771 |
| Total domestic deposits to total assets | 83.1399% | 3,160 |
| Equity capital to assets | 8.8925% | 4,859 |
| Core capital (leverage) ratio | 9.1642% | 4,496 |
| Tier 1 risk-based capital ratio | 10.5857% | 5,073 |
| Total risk-based capital ratio | 11.3186% | 5,159 |
| Memoranda: | ||
| Average total assets | $251,213,670 | 2,483 |
| Average earning assets | $226,014,670 | 2,534 |
| Average equity | $22,510,000 | 2,923 |
| Average total loans | $176,674,000 | 2,386 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 1,003 |
| Cost of funding earning assets | 0.7858% | 2,620 |
| Net interest margin | 4.3638% | 982 |
| Noninterest income to average assets | 0.3228% | 3,704 |
| Noninterest expense to average assets | 3.1574% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0758% | 2,561 |
| Return on assets (ROA) | 1.0758% | 2,609 |
| Pretax return on assets | 1.0758% | 3,219 |
| Return on Equity (ROE) | 11.9579% | 1,545 |
| Retained earnings to average equity (ytd only) | -0.1087% | 4,543 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5861% | 1,666 |
| Assets per employee ($millions) | 3.9691% | 3,967 |
| Cash dividends to net income (ytd only)* | 100.9091% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.4492% | 2,699 |
| Net loans and leases to deposits | 75.4642% | 3,307 |
| Net loans and leases to core deposits | 87.5327% | 2,738 |
| Total domestic deposits to total assets | 90.7043% | 228 |
| Equity capital to assets | 8.9638% | 4,708 |
| Core capital (leverage) ratio | 9.2340% | 4,426 |
| Tier 1 risk-based capital ratio | 11.2965% | 4,844 |
| Total risk-based capital ratio | 12.0938% | 4,949 |
| Memoranda: | ||
| Average total assets | $245,389,000 | 2,551 |
| Average earning assets | $219,899,000 | 2,588 |
| Average equity | $22,077,500 | 2,964 |
| Average total loans | $169,728,000 | 2,481 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 1,162 |
| Cost of funding earning assets | 0.7046% | 2,062 |
| Net interest margin | 4.2429% | 1,296 |
| Noninterest income to average assets | 0.4146% | 3,351 |
| Noninterest expense to average assets | 3.0937% | 1,818 |
| Loan and lease loss provision to assets | 0.0529% | 3,127 |
| Net operating income to assets | 1.0944% | 2,623 |
| Return on assets (ROA) | 1.0944% | 2,621 |
| Pretax return on assets | 1.0944% | 3,291 |
| Return on Equity (ROE) | 12.7602% | 1,439 |
| Retained earnings to average equity (ytd only) | 3.3393% | 3,744 |
| Net charge-offs to loans | 0.0459% | 2,516 |
| Credit loss provision to net charge-offs | 168.9189% | 1,648 |
| Earnings coverage of net charge-offs (x) | 36.6486% | 1,411 |
| Efficiency ratio | 72.9476% | 1,773 |
| Assets per employee ($millions) | 3.7035% | 4,311 |
| Cash dividends to net income (ytd only)* | 73.8307% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 3,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.5773% | 2,794 |
| Net loans and leases to deposits | 75.6035% | 3,380 |
| Net loans and leases to core deposits | 87.4307% | 2,796 |
| Total domestic deposits to total assets | 90.7065% | 275 |
| Equity capital to assets | 9.0314% | 4,549 |
| Core capital (leverage) ratio | 9.4876% | 4,123 |
| Tier 1 risk-based capital ratio | 11.5889% | 4,674 |
| Total risk-based capital ratio | 12.4075% | 4,799 |
| Memoranda: | ||
| Average total assets | $236,387,200 | 2,566 |
| Average earning assets | $213,180,000 | 2,618 |
| Average equity | $20,274,000 | 3,066 |
| Average total loans | $161,146,200 | 2,512 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 1,295 |
| Cost of funding earning assets | 0.6750% | 2,002 |
| Net interest margin | 4.1776% | 1,426 |
| Noninterest income to average assets | 0.3638% | 3,702 |
| Noninterest expense to average assets | 3.0298% | 1,930 |
| Loan and lease loss provision to assets | 0.0533% | 2,913 |
| Net operating income to assets | 1.0579% | 2,835 |
| Return on assets (ROA) | 1.0579% | 2,846 |
| Pretax return on assets | 1.0579% | 3,545 |
| Return on Equity (ROE) | 12.5043% | 1,609 |
| Retained earnings to average equity (ytd only) | 2.2236% | 4,495 |
| Net charge-offs to loans | 0.0618% | 1,942 |
| Credit loss provision to net charge-offs | 127.0270% | 1,924 |
| Earnings coverage of net charge-offs (x) | 26.5011% | 1,742 |
| Efficiency ratio | 73.1664% | 1,707 |
| Assets per employee ($millions) | 3.8890% | 4,056 |
| Cash dividends to net income (ytd only)* | 82.2177% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,985 |
| Loan loss allowance to noncurrent loans | 31,500.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,027 |
| Noncurrent loans to loans | 0.0031% | 4,933 |
| Net loans and leases to total assets | 67.1431% | 3,056 |
| Net loans and leases to deposits | 76.6344% | 3,361 |
| Net loans and leases to core deposits | 89.0829% | 2,739 |
| Total domestic deposits to total assets | 87.6148% | 1,433 |
| Equity capital to assets | 8.6945% | 4,801 |
| Core capital (leverage) ratio | 9.3060% | 4,393 |
| Tier 1 risk-based capital ratio | 12.5682% | 4,173 |
| Total risk-based capital ratio | 13.4526% | 4,274 |
| Memoranda: | ||
| Average total assets | $235,302,250 | 2,585 |
| Average earning assets | $212,746,000 | 2,631 |
| Average equity | $19,907,250 | 3,118 |
| Average total loans | $159,760,000 | 2,536 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 1,311 |
| Cost of funding earning assets | 0.6396% | 1,989 |
| Net interest margin | 4.1383% | 1,452 |
| Noninterest income to average assets | 0.3634% | 3,723 |
| Noninterest expense to average assets | 2.9953% | 2,051 |
| Loan and lease loss provision to assets | 0.0540% | 2,829 |
| Net operating income to assets | 1.0627% | 2,742 |
| Return on assets (ROA) | 1.0627% | 2,744 |
| Pretax return on assets | 1.0627% | 3,465 |
| Return on Equity (ROE) | 12.6822% | 1,481 |
| Retained earnings to average equity (ytd only) | 6.3309% | 2,397 |
| Net charge-offs to loans | 0.0946% | 1,402 |
| Credit loss provision to net charge-offs | 84.0000% | 2,220 |
| Earnings coverage of net charge-offs (x) | 17.3733% | 1,954 |
| Efficiency ratio | 72.8429% | 1,871 |
| Assets per employee ($millions) | 3.9541% | 3,978 |
| Cash dividends to net income (ytd only)* | 50.0806% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,201 |
| Loan loss allowance to noncurrent loans | 25,733.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,052 |
| Noncurrent loans to loans | 0.0036% | 4,956 |
| Net loans and leases to total assets | 69.2398% | 2,686 |
| Net loans and leases to deposits | 78.5671% | 3,104 |
| Net loans and leases to core deposits | 92.4833% | 2,359 |
| Total domestic deposits to total assets | 88.1283% | 1,312 |
| Equity capital to assets | 9.0539% | 4,519 |
| Core capital (leverage) ratio | 9.6103% | 3,986 |
| Tier 1 risk-based capital ratio | 11.8531% | 4,586 |
| Total risk-based capital ratio | 12.6613% | 4,737 |
| Memoranda: | ||
| Average total assets | $233,363,670 | 2,607 |
| Average earning assets | $211,391,330 | 2,654 |
| Average equity | $19,555,000 | 3,169 |
| Average total loans | $158,523,670 | 2,564 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 1,613 |
| Cost of funding earning assets | 0.6386% | 1,785 |
| Net interest margin | 3.9478% | 1,872 |
| Noninterest income to average assets | 0.3595% | 3,738 |
| Noninterest expense to average assets | 2.9919% | 2,086 |
| Loan and lease loss provision to assets | 0.0536% | 2,701 |
| Net operating income to assets | 0.8936% | 3,323 |
| Return on assets (ROA) | 0.8936% | 3,332 |
| Pretax return on assets | 0.8936% | 3,871 |
| Return on Equity (ROE) | 11.1228% | 1,914 |
| Retained earnings to average equity (ytd only) | 3.6574% | 3,736 |
| Net charge-offs to loans | 0.1911% | 772 |
| Credit loss provision to net charge-offs | 41.8919% | 2,000 |
| Earnings coverage of net charge-offs (x) | 7.4054% | 2,093 |
| Efficiency ratio | 75.9544% | 1,597 |
| Assets per employee ($millions) | 4.4470% | 3,250 |
| Cash dividends to net income (ytd only)* | 67.1180% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,187 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,085 |
| Noncurrent loans to loans | 0.0051% | 5,001 |
| Net loans and leases to total assets | 66.3859% | 2,978 |
| Net loans and leases to deposits | 72.2438% | 3,578 |
| Net loans and leases to core deposits | 82.5731% | 3,098 |
| Total domestic deposits to total assets | 91.8916% | 122 |
| Equity capital to assets | 7.7817% | 5,341 |
| Core capital (leverage) ratio | 8.4346% | 5,178 |
| Tier 1 risk-based capital ratio | 10.8691% | 5,206 |
| Total risk-based capital ratio | 11.7174% | 5,273 |
| Memoranda: | ||
| Average total assets | $231,423,000 | 2,654 |
| Average earning assets | $209,837,000 | 2,695 |
| Average equity | $18,592,500 | 3,297 |
| Average total loans | $154,879,500 | 2,631 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,677 |
| Cost of funding earning assets | 0.6149% | 1,504 |
| Net interest margin | 3.8940% | 2,108 |
| Noninterest income to average assets | 0.4281% | 3,452 |
| Noninterest expense to average assets | 2.9537% | 2,280 |
| Loan and lease loss provision to assets | 0.0446% | 3,349 |
| Net operating income to assets | 0.9629% | 2,391 |
| Return on assets (ROA) | 0.9629% | 2,427 |
| Pretax return on assets | 0.9629% | 3,691 |
| Return on Equity (ROE) | 11.2198% | 1,403 |
| Retained earnings to average equity (ytd only) | -2.2242% | 5,302 |
| Net charge-offs to loans | 0.0055% | 3,888 |
| Credit loss provision to net charge-offs | 1,250.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 282.3750% | 301 |
| Efficiency ratio | 74.5665% | 1,818 |
| Assets per employee ($millions) | 3.8501% | 4,202 |
| Cash dividends to net income (ytd only)* | 119.8240% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,779 |
| Loan loss allowance to noncurrent loans | 1,896.3415% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,958 |
| Noncurrent loans to loans | 0.0540% | 4,753 |
| Net loans and leases to total assets | 66.1338% | 3,087 |
| Net loans and leases to deposits | 72.3289% | 3,672 |
| Net loans and leases to core deposits | 83.4208% | 3,112 |
| Total domestic deposits to total assets | 91.4348% | 148 |
| Equity capital to assets | 8.2957% | 5,263 |
| Core capital (leverage) ratio | 8.2409% | 5,325 |
| Tier 1 risk-based capital ratio | 11.4814% | 4,858 |
| Total risk-based capital ratio | 12.4069% | 4,937 |
| Memoranda: | ||
| Average total assets | $224,226,000 | 2,690 |
| Average earning assets | $203,443,800 | 2,737 |
| Average equity | $19,242,800 | 3,220 |
| Average total loans | $144,173,800 | 2,714 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,922 |
| Cost of funding earning assets | 0.5727% | 1,724 |
| Net interest margin | 3.8424% | 2,246 |
| Noninterest income to average assets | 0.4331% | 3,449 |
| Noninterest expense to average assets | 2.9393% | 2,282 |
| Loan and lease loss provision to assets | 0.0298% | 3,522 |
| Net operating income to assets | 0.9545% | 2,753 |
| Return on assets (ROA) | 0.9545% | 2,815 |
| Pretax return on assets | 0.9545% | 3,846 |
| Return on Equity (ROE) | 11.0290% | 1,689 |
| Retained earnings to average equity (ytd only) | -2.0197% | 5,435 |
| Net charge-offs to loans | 0.0066% | 3,496 |
| Credit loss provision to net charge-offs | 714.2857% | 475 |
| Earnings coverage of net charge-offs (x) | 235.7931% | 372 |
| Efficiency ratio | 74.9126% | 1,760 |
| Assets per employee ($millions) | 3.9530% | 4,069 |
| Cash dividends to net income (ytd only)* | 118.3126% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 4,145 |
| Loan loss allowance to noncurrent loans | 2,318.4615% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 4,348 |
| Noncurrent loans to loans | 0.0425% | 4,920 |
| Net loans and leases to total assets | 62.7852% | 3,569 |
| Net loans and leases to deposits | 73.5494% | 3,620 |
| Net loans and leases to core deposits | 84.4458% | 3,092 |
| Total domestic deposits to total assets | 85.3646% | 2,574 |
| Equity capital to assets | 8.0652% | 5,499 |
| Core capital (leverage) ratio | 8.3011% | 5,366 |
| Tier 1 risk-based capital ratio | 11.4006% | 5,013 |
| Total risk-based capital ratio | 12.2859% | 5,116 |
| Memoranda: | ||
| Average total assets | $223,494,250 | 2,717 |
| Average earning assets | $203,026,500 | 2,764 |
| Average equity | $19,342,500 | 3,237 |
| Average total loans | $142,272,250 | 2,768 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 1,891 |
| Cost of funding earning assets | 0.5202% | 2,012 |
| Net interest margin | 3.8561% | 2,074 |
| Noninterest income to average assets | 0.4411% | 3,410 |
| Noninterest expense to average assets | 2.9925% | 2,135 |
| Loan and lease loss provision to assets | 0.0460% | 3,068 |
| Net operating income to assets | 0.9044% | 2,892 |
| Return on assets (ROA) | 0.9044% | 2,941 |
| Pretax return on assets | 0.9044% | 3,919 |
| Return on Equity (ROE) | 10.1930% | 1,951 |
| Retained earnings to average equity (ytd only) | -1.0773% | 5,244 |
| Net charge-offs to loans | 0.0144% | 2,956 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 103.4000% | 641 |
| Efficiency ratio | 75.8974% | 1,738 |
| Assets per employee ($millions) | 4.0974% | 3,793 |
| Cash dividends to net income (ytd only)* | 110.5691% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,967 |
| Loan loss allowance to noncurrent loans | 13,663.6364% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 4,499 |
| Noncurrent loans to loans | 0.0075% | 5,157 |
| Net loans and leases to total assets | 61.8538% | 3,648 |
| Net loans and leases to deposits | 74.7659% | 3,470 |
| Net loans and leases to core deposits | 87.2898% | 2,771 |
| Total domestic deposits to total assets | 82.7299% | 3,645 |
| Equity capital to assets | 8.4152% | 5,347 |
| Core capital (leverage) ratio | 9.0066% | 4,715 |
| Tier 1 risk-based capital ratio | 11.9937% | 4,635 |
| Total risk-based capital ratio | 12.9144% | 4,741 |
| Memoranda: | ||
| Average total assets | $217,614,000 | 2,789 |
| Average earning assets | $197,607,330 | 2,833 |
| Average equity | $19,307,330 | 3,244 |
| Average total loans | $138,728,330 | 2,822 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,550 |
| Cost of funding earning assets | 0.4695% | 2,349 |
| Net interest margin | 3.9627% | 1,570 |
| Noninterest income to average assets | 0.5209% | 2,834 |
| Noninterest expense to average assets | 3.1062% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0055% | 2,281 |
| Return on assets (ROA) | 1.0055% | 2,331 |
| Pretax return on assets | 1.0055% | 3,349 |
| Return on Equity (ROE) | 11.0170% | 1,562 |
| Retained earnings to average equity (ytd only) | -5.5190% | 5,419 |
| Net charge-offs to loans | 0.0296% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 52.7000% | 869 |
| Efficiency ratio | 75.5452% | 1,979 |
| Assets per employee ($millions) | 3.5609% | 4,702 |
| Cash dividends to net income (ytd only)* | 150.0949% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,895 |
| Loan loss allowance to noncurrent loans | 11,176.9231% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 4,477 |
| Noncurrent loans to loans | 0.0096% | 5,210 |
| Net loans and leases to total assets | 64.0561% | 3,265 |
| Net loans and leases to deposits | 74.7498% | 3,329 |
| Net loans and leases to core deposits | 85.9923% | 2,709 |
| Total domestic deposits to total assets | 85.6940% | 2,798 |
| Equity capital to assets | 9.0845% | 4,726 |
| Core capital (leverage) ratio | 9.2030% | 4,477 |
| Tier 1 risk-based capital ratio | 12.5816% | 4,336 |
| Total risk-based capital ratio | 13.5250% | 4,428 |
| Memoranda: | ||
| Average total assets | $209,644,000 | 2,892 |
| Average earning assets | $189,971,000 | 2,935 |
| Average equity | $19,134,000 | 3,276 |
| Average total loans | $135,110,000 | 2,887 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,032 |
| Cost of funding earning assets | 0.4073% | 2,933 |
| Net interest margin | 3.9267% | 1,872 |
| Noninterest income to average assets | 0.9159% | 1,358 |
| Noninterest expense to average assets | 2.9956% | 2,368 |
| Loan and lease loss provision to assets | 0.5004% | 278 |
| Net operating income to assets | 0.9964% | 2,365 |
| Return on assets (ROA) | 0.9505% | 2,691 |
| Pretax return on assets | 0.9505% | 3,655 |
| Return on Equity (ROE) | 9.6606% | 2,125 |
| Retained earnings to average equity (ytd only) | 2.8570% | 3,863 |
| Net charge-offs to loans | 0.1051% | 2,219 |
| Credit loss provision to net charge-offs | 810.4000% | 459 |
| Earnings coverage of net charge-offs (x) | 24.2400% | 1,647 |
| Efficiency ratio | 66.6813% | 3,484 |
| Assets per employee ($millions) | 3.6701% | 4,517 |
| Cash dividends to net income (ytd only)* | 70.4262% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,767 |
| Loan loss allowance to noncurrent loans | 11,253.8462% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,127 |
| Noncurrent loans to loans | 0.0097% | 5,255 |
| Net loans and leases to total assets | 63.4464% | 3,422 |
| Net loans and leases to deposits | 76.5543% | 3,257 |
| Net loans and leases to core deposits | 83.8181% | 3,043 |
| Total domestic deposits to total assets | 82.8776% | 3,811 |
| Equity capital to assets | 9.1695% | 4,619 |
| Core capital (leverage) ratio | 9.3858% | 4,238 |
| Tier 1 risk-based capital ratio | 13.0506% | 4,034 |
| Total risk-based capital ratio | 14.0162% | 4,111 |
| Memoranda: | ||
| Average total assets | $202,429,600 | 2,930 |
| Average earning assets | $184,379,800 | 2,963 |
| Average equity | $19,916,000 | 3,177 |
| Average total loans | $118,941,600 | 3,081 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 1,957 |
| Cost of funding earning assets | 0.3964% | 3,053 |
| Net interest margin | 3.9696% | 1,747 |
| Noninterest income to average assets | 1.0660% | 996 |
| Noninterest expense to average assets | 2.9191% | 2,581 |
| Loan and lease loss provision to assets | 0.5400% | 220 |
| Net operating income to assets | 1.2254% | 1,539 |
| Return on assets (ROA) | 1.2673% | 1,486 |
| Pretax return on assets | 1.2673% | 2,543 |
| Return on Equity (ROE) | 12.6567% | 1,136 |
| Retained earnings to average equity (ytd only) | 5.5655% | 2,452 |
| Net charge-offs to loans | 0.1309% | 1,656 |
| Credit loss provision to net charge-offs | 719.4690% | 549 |
| Earnings coverage of net charge-offs (x) | 23.5226% | 1,713 |
| Efficiency ratio | 62.3139% | 4,172 |
| Assets per employee ($millions) | 3.6640% | 4,551 |
| Cash dividends to net income (ytd only)* | 56.0273% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 4,450 |
| Loan loss allowance to noncurrent loans | 9,107.1429% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 4,157 |
| Noncurrent loans to loans | 0.0109% | 5,360 |
| Net loans and leases to total assets | 60.8671% | 3,760 |
| Net loans and leases to deposits | 74.4551% | 3,550 |
| Net loans and leases to core deposits | 78.4165% | 3,620 |
| Total domestic deposits to total assets | 81.7501% | 4,024 |
| Equity capital to assets | 9.8214% | 4,337 |
| Core capital (leverage) ratio | 9.8551% | 3,746 |
| Tier 1 risk-based capital ratio | 13.7528% | 3,701 |
| Total risk-based capital ratio | 14.6282% | 3,845 |
| Memoranda: | ||
| Average total assets | $200,738,500 | 2,956 |
| Average earning assets | $182,985,000 | 2,993 |
| Average equity | $20,099,500 | 3,184 |
| Average total loans | $115,129,750 | 3,149 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 1,487 |
| Cost of funding earning assets | 0.3943% | 3,104 |
| Net interest margin | 4.1129% | 1,333 |
| Noninterest income to average assets | 1.3715% | 609 |
| Noninterest expense to average assets | 2.9217% | 2,607 |
| Loan and lease loss provision to assets | 0.8211% | 129 |
| Net operating income to assets | 1.3785% | 1,099 |
| Return on assets (ROA) | 1.3785% | 1,165 |
| Pretax return on assets | 1.3785% | 2,099 |
| Return on Equity (ROE) | 13.6760% | 889 |
| Retained earnings to average equity (ytd only) | 8.4060% | 1,041 |
| Net charge-offs to loans | 0.1752% | 1,289 |
| Credit loss provision to net charge-offs | 838.1443% | 424 |
| Earnings coverage of net charge-offs (x) | 22.4536% | 1,625 |
| Efficiency ratio | 57.0499% | 5,018 |
| Assets per employee ($millions) | 3.6998% | 4,440 |
| Cash dividends to net income (ytd only)* | 38.5348% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,388.1720% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 3,837 |
| Noncurrent loans to loans | 0.0817% | 5,126 |
| Net loans and leases to total assets | 55.2978% | 4,382 |
| Net loans and leases to deposits | 68.7551% | 4,107 |
| Net loans and leases to core deposits | 74.5121% | 3,941 |
| Total domestic deposits to total assets | 80.4271% | 4,440 |
| Equity capital to assets | 10.1194% | 4,070 |
| Core capital (leverage) ratio | 9.8950% | 3,690 |
| Tier 1 risk-based capital ratio | 14.8616% | 3,134 |
| Total risk-based capital ratio | 15.8201% | 3,212 |
| Memoranda: | ||
| Average total assets | $198,034,670 | 2,998 |
| Average earning assets | $180,552,000 | 3,038 |
| Average equity | $19,962,000 | 3,205 |
| Average total loans | $110,707,670 | 3,227 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 534 |
| Cost of funding earning assets | 0.3838% | 3,260 |
| Net interest margin | 4.6641% | 447 |
| Noninterest income to average assets | 2.1525% | 307 |
| Noninterest expense to average assets | 2.9451% | 2,556 |
| Loan and lease loss provision to assets | 1.6651% | 51 |
| Net operating income to assets | 1.7982% | 467 |
| Return on assets (ROA) | 1.7982% | 500 |
| Pretax return on assets | 1.7982% | 851 |
| Return on Equity (ROE) | 17.8755% | 364 |
| Retained earnings to average equity (ytd only) | 12.5821% | 429 |
| Net charge-offs to loans | 0.3738% | 592 |
| Credit loss provision to net charge-offs | 797.0588% | 437 |
| Earnings coverage of net charge-offs (x) | 16.5784% | 1,612 |
| Efficiency ratio | 45.9572% | 5,815 |
| Assets per employee ($millions) | 3.9735% | 4,001 |
| Cash dividends to net income (ytd only)* | 29.6128% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,842 |
| Loan loss allowance to noncurrent loans | 8,043.7500% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 3,335 |
| Noncurrent loans to loans | 0.0142% | 5,462 |
| Net loans and leases to total assets | 56.2228% | 4,229 |
| Net loans and leases to deposits | 69.6892% | 3,884 |
| Net loans and leases to core deposits | 73.0285% | 3,976 |
| Total domestic deposits to total assets | 80.6764% | 4,586 |
| Equity capital to assets | 10.1337% | 3,914 |
| Core capital (leverage) ratio | 10.0284% | 3,505 |
| Tier 1 risk-based capital ratio | 14.8706% | 3,218 |
| Total risk-based capital ratio | 15.8380% | 3,283 |
| Memoranda: | ||
| Average total assets | $195,306,500 | 3,039 |
| Average earning assets | $178,211,000 | 3,071 |
| Average equity | $19,647,000 | 3,241 |
| Average total loans | $109,153,000 | 3,254 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 2,970 |
| Cost of funding earning assets | 0.3267% | 3,945 |
| Net interest margin | 3.7597% | 2,523 |
| Noninterest income to average assets | 0.6225% | 2,605 |
| Noninterest expense to average assets | 3.0250% | 2,461 |
| Loan and lease loss provision to assets | 0.0267% | 3,856 |
| Net operating income to assets | 0.9896% | 2,421 |
| Return on assets (ROA) | 0.9929% | 2,496 |
| Pretax return on assets | 0.9929% | 3,500 |
| Return on Equity (ROE) | 9.7729% | 2,093 |
| Retained earnings to average equity (ytd only) | 3.8292% | 3,313 |
| Net charge-offs to loans | 0.0910% | 2,526 |
| Credit loss provision to net charge-offs | 54.3478% | 3,343 |
| Earnings coverage of net charge-offs (x) | 20.6739% | 1,862 |
| Efficiency ratio | 74.8512% | 2,448 |
| Assets per employee ($millions) | 3.8388% | 4,227 |
| Cash dividends to net income (ytd only)* | 60.8181% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 5,878 |
| Loan loss allowance to noncurrent loans | 91.4149% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 3,162 |
| Noncurrent loans to loans | 0.5972% | 3,382 |
| Net loans and leases to total assets | 54.5715% | 4,440 |
| Net loans and leases to deposits | 67.2233% | 4,196 |
| Net loans and leases to core deposits | 70.2900% | 4,287 |
| Total domestic deposits to total assets | 81.1794% | 4,435 |
| Equity capital to assets | 9.9829% | 3,979 |
| Core capital (leverage) ratio | 10.0219% | 3,477 |
| Tier 1 risk-based capital ratio | 15.4445% | 2,957 |
| Total risk-based capital ratio | 15.9047% | 3,278 |
| Memoranda: | ||
| Average total assets | $187,137,600 | 3,089 |
| Average earning assets | $170,172,000 | 3,126 |
| Average equity | $19,011,800 | 3,261 |
| Average total loans | $101,043,800 | 3,364 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,785 |
| Cost of funding earning assets | 0.3252% | 4,044 |
| Net interest margin | 3.8129% | 2,336 |
| Noninterest income to average assets | 0.6239% | 2,617 |
| Noninterest expense to average assets | 3.0253% | 2,445 |
| Loan and lease loss provision to assets | 0.0359% | 3,501 |
| Net operating income to assets | 1.0261% | 2,349 |
| Return on assets (ROA) | 1.0261% | 2,434 |
| Pretax return on assets | 1.0261% | 3,517 |
| Return on Equity (ROE) | 10.0553% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.0615% | 3,569 |
| Net charge-offs to loans | 0.1254% | 1,872 |
| Credit loss provision to net charge-offs | 53.1915% | 3,000 |
| Earnings coverage of net charge-offs (x) | 15.7554% | 2,159 |
| Efficiency ratio | 74.0175% | 2,554 |
| Assets per employee ($millions) | 3.4369% | 4,912 |
| Cash dividends to net income (ytd only)* | 59.6085% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 5,942 |
| Loan loss allowance to noncurrent loans | 108.3176% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,506 |
| Noncurrent loans to loans | 0.5221% | 3,783 |
| Net loans and leases to total assets | 53.2994% | 4,642 |
| Net loans and leases to deposits | 64.6064% | 4,507 |
| Net loans and leases to core deposits | 68.0134% | 4,538 |
| Total domestic deposits to total assets | 82.4987% | 3,992 |
| Equity capital to assets | 10.2030% | 3,929 |
| Core capital (leverage) ratio | 10.0765% | 3,530 |
| Tier 1 risk-based capital ratio | 15.5040% | 3,047 |
| Total risk-based capital ratio | 15.9682% | 3,376 |
| Memoranda: | ||
| Average total assets | $185,937,250 | 3,126 |
| Average earning assets | $168,894,750 | 3,166 |
| Average equity | $18,974,500 | 3,301 |
| Average total loans | $99,975,000 | 3,425 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,445 |
| Cost of funding earning assets | 0.3288% | 4,067 |
| Net interest margin | 3.8978% | 1,987 |
| Noninterest income to average assets | 0.6457% | 2,496 |
| Noninterest expense to average assets | 3.0534% | 2,392 |
| Loan and lease loss provision to assets | 0.0541% | 3,034 |
| Net operating income to assets | 1.0773% | 2,023 |
| Return on assets (ROA) | 1.0773% | 2,128 |
| Pretax return on assets | 1.0773% | 3,272 |
| Return on Equity (ROE) | 10.5563% | 1,830 |
| Retained earnings to average equity (ytd only) | 4.4832% | 3,160 |
| Net charge-offs to loans | 0.1768% | 1,399 |
| Credit loss provision to net charge-offs | 56.8182% | 2,625 |
| Earnings coverage of net charge-offs (x) | 11.8864% | 2,253 |
| Efficiency ratio | 72.9646% | 2,849 |
| Assets per employee ($millions) | 3.5229% | 4,745 |
| Cash dividends to net income (ytd only)* | 57.5301% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5928% | 5,985 |
| Loan loss allowance to noncurrent loans | 109.4340% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 3,586 |
| Noncurrent loans to loans | 0.5417% | 3,830 |
| Net loans and leases to total assets | 53.0905% | 4,650 |
| Net loans and leases to deposits | 64.6095% | 4,476 |
| Net loans and leases to core deposits | 67.9988% | 4,495 |
| Total domestic deposits to total assets | 82.1714% | 4,242 |
| Equity capital to assets | 10.3303% | 3,648 |
| Core capital (leverage) ratio | 10.2759% | 3,248 |
| Tier 1 risk-based capital ratio | 15.7608% | 2,972 |
| Total risk-based capital ratio | 16.2426% | 3,297 |
| Memoranda: | ||
| Average total assets | $184,905,670 | 3,166 |
| Average earning assets | $167,888,670 | 3,198 |
| Average equity | $18,870,330 | 3,332 |
| Average total loans | $99,524,670 | 3,448 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 2,535 |
| Cost of funding earning assets | 0.3339% | 4,056 |
| Net interest margin | 3.8454% | 2,087 |
| Noninterest income to average assets | 0.6675% | 2,321 |
| Noninterest expense to average assets | 3.0124% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1520% | 1,694 |
| Return on assets (ROA) | 1.1520% | 1,799 |
| Pretax return on assets | 1.1520% | 2,863 |
| Return on Equity (ROE) | 11.3567% | 1,534 |
| Retained earnings to average equity (ytd only) | 5.4555% | 2,806 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3371% | 3,112 |
| Assets per employee ($millions) | 3.8423% | 4,265 |
| Cash dividends to net income (ytd only)* | 51.9626% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5998% | 6,065 |
| Loan loss allowance to noncurrent loans | 208.7838% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 4,378 |
| Noncurrent loans to loans | 0.2873% | 4,744 |
| Net loans and leases to total assets | 54.3968% | 4,389 |
| Net loans and leases to deposits | 65.8291% | 4,168 |
| Net loans and leases to core deposits | 68.4684% | 4,290 |
| Total domestic deposits to total assets | 82.6333% | 4,298 |
| Equity capital to assets | 10.0970% | 4,023 |
| Core capital (leverage) ratio | 10.0422% | 3,544 |
| Tier 1 risk-based capital ratio | 15.3283% | 3,246 |
| Total risk-based capital ratio | 15.8324% | 3,603 |
| Memoranda: | ||
| Average total assets | $185,764,000 | 3,165 |
| Average earning assets | $168,928,500 | 3,196 |
| Average equity | $18,843,500 | 3,353 |
| Average total loans | $100,369,000 | 3,445 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 2,731 |
| Cost of funding earning assets | 0.3496% | 4,259 |
| Net interest margin | 3.9130% | 2,189 |
| Noninterest income to average assets | 0.7103% | 2,256 |
| Noninterest expense to average assets | 3.1683% | 2,301 |
| Loan and lease loss provision to assets | 0.0280% | 4,045 |
| Net operating income to assets | 0.9944% | 2,413 |
| Return on assets (ROA) | 1.0805% | 2,106 |
| Pretax return on assets | 1.0805% | 3,164 |
| Return on Equity (ROE) | 10.8559% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.8157% | 2,051 |
| Net charge-offs to loans | 0.0363% | 4,110 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | 52.2286% | 899 |
| Efficiency ratio | 75.6039% | 2,572 |
| Assets per employee ($millions) | 3.3936% | 5,076 |
| Cash dividends to net income (ytd only)* | 46.4286% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 6,097 |
| Loan loss allowance to noncurrent loans | 205.3156% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 4,229 |
| Noncurrent loans to loans | 0.3081% | 4,739 |
| Net loans and leases to total assets | 52.9795% | 4,687 |
| Net loans and leases to deposits | 63.4912% | 4,580 |
| Net loans and leases to core deposits | 66.6939% | 4,620 |
| Total domestic deposits to total assets | 83.4437% | 3,932 |
| Equity capital to assets | 10.1919% | 3,862 |
| Core capital (leverage) ratio | 9.7128% | 3,958 |
| Tier 1 risk-based capital ratio | 15.4303% | 3,259 |
| Total risk-based capital ratio | 15.9591% | 3,581 |
| Memoranda: | ||
| Average total assets | $178,802,600 | 3,221 |
| Average earning assets | $159,034,800 | 3,299 |
| Average equity | $17,796,800 | 3,420 |
| Average total loans | $96,516,200 | 3,489 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 2,800 |
| Cost of funding earning assets | 0.3521% | 4,323 |
| Net interest margin | 3.9002% | 2,245 |
| Noninterest income to average assets | 0.7188% | 2,236 |
| Noninterest expense to average assets | 3.2460% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9222% | 2,812 |
| Return on assets (ROA) | 1.0377% | 2,349 |
| Pretax return on assets | 1.0377% | 3,438 |
| Return on Equity (ROE) | 10.4908% | 2,007 |
| Retained earnings to average equity (ytd only) | 6.1671% | 2,295 |
| Net charge-offs to loans | 0.0485% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.1110% | 1,233 |
| Efficiency ratio | 77.8758% | 2,197 |
| Assets per employee ($millions) | 3.6860% | 4,516 |
| Cash dividends to net income (ytd only)* | 41.2148% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 6,252 |
| Loan loss allowance to noncurrent loans | 18.0375% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 1.9919% | 1,448 |
| Noncurrent loans to loans | 3.2155% | 784 |
| Net loans and leases to total assets | 52.8285% | 4,720 |
| Net loans and leases to deposits | 63.2979% | 4,610 |
| Net loans and leases to core deposits | 66.8105% | 4,628 |
| Total domestic deposits to total assets | 83.4601% | 3,967 |
| Equity capital to assets | 9.7965% | 4,427 |
| Core capital (leverage) ratio | 9.8334% | 3,897 |
| Tier 1 risk-based capital ratio | 15.6642% | 3,234 |
| Total risk-based capital ratio | 16.1645% | 3,567 |
| Memoranda: | ||
| Average total assets | $177,689,750 | 3,263 |
| Average earning assets | $157,148,750 | 3,345 |
| Average equity | $17,576,750 | 3,462 |
| Average total loans | $96,219,000 | 3,522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,609 |
| Cost of funding earning assets | 0.3615% | 4,303 |
| Net interest margin | 3.9292% | 2,047 |
| Noninterest income to average assets | 0.7545% | 2,026 |
| Noninterest expense to average assets | 3.3097% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8890% | 2,864 |
| Return on assets (ROA) | 1.0633% | 2,144 |
| Pretax return on assets | 1.0633% | 3,234 |
| Return on Equity (ROE) | 10.7135% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.3051% | 2,757 |
| Net charge-offs to loans | 0.0941% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,742 |
| Efficiency ratio | 78.8274% | 2,191 |
| Assets per employee ($millions) | 3.2490% | 5,341 |
| Cash dividends to net income (ytd only)* | 50.4823% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 6,331 |
| Loan loss allowance to noncurrent loans | 17.5251% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1385% | 1,442 |
| Noncurrent loans to loans | 3.3166% | 832 |
| Net loans and leases to total assets | 54.4005% | 4,491 |
| Net loans and leases to deposits | 62.9258% | 4,606 |
| Net loans and leases to core deposits | 66.6960% | 4,575 |
| Total domestic deposits to total assets | 86.4517% | 2,789 |
| Equity capital to assets | 10.2019% | 3,825 |
| Core capital (leverage) ratio | 9.9194% | 3,718 |
| Tier 1 risk-based capital ratio | 15.1175% | 3,573 |
| Total risk-based capital ratio | 15.6019% | 3,962 |
| Memoranda: | ||
| Average total assets | $175,486,330 | 3,302 |
| Average earning assets | $153,821,330 | 3,415 |
| Average equity | $17,417,330 | 3,478 |
| Average total loans | $95,648,330 | 3,546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,486 |
| Cost of funding earning assets | 0.3635% | 4,400 |
| Net interest margin | 3.9463% | 1,941 |
| Noninterest income to average assets | 0.7954% | 1,768 |
| Noninterest expense to average assets | 3.2204% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9891% | 2,251 |
| Return on assets (ROA) | 1.3265% | 1,195 |
| Pretax return on assets | 1.3265% | 2,001 |
| Return on Equity (ROE) | 13.5534% | 1,025 |
| Retained earnings to average equity (ytd only) | 12.8548% | 501 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5024% | 2,726 |
| Assets per employee ($millions) | 3.3636% | 5,224 |
| Cash dividends to net income (ytd only)* | 5.1546% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 6,364 |
| Loan loss allowance to noncurrent loans | 20.1268% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 2.0205% | 1,682 |
| Noncurrent loans to loans | 3.1541% | 980 |
| Net loans and leases to total assets | 52.9435% | 4,549 |
| Net loans and leases to deposits | 60.9086% | 4,672 |
| Net loans and leases to core deposits | 64.5838% | 4,640 |
| Total domestic deposits to total assets | 86.9229% | 2,860 |
| Equity capital to assets | 9.8428% | 4,043 |
| Core capital (leverage) ratio | 10.0750% | 3,462 |
| Tier 1 risk-based capital ratio | 15.3859% | 3,506 |
| Total risk-based capital ratio | 15.9166% | 3,861 |
| Memoranda: | ||
| Average total assets | $175,506,000 | 3,325 |
| Average earning assets | $151,837,000 | 3,474 |
| Average equity | $17,176,500 | 3,524 |
| Average total loans | $95,471,500 | 3,572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 2,541 |
| Cost of funding earning assets | 0.4589% | 4,033 |
| Net interest margin | 3.9525% | 2,097 |
| Noninterest income to average assets | 1.0419% | 1,294 |
| Noninterest expense to average assets | 3.1896% | 2,446 |
| Loan and lease loss provision to assets | 0.3761% | 822 |
| Net operating income to assets | 0.9061% | 2,746 |
| Return on assets (ROA) | 0.9197% | 2,771 |
| Pretax return on assets | 0.9197% | 3,680 |
| Return on Equity (ROE) | 9.5113% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.9548% | 2,004 |
| Net charge-offs to loans | 0.0637% | 4,321 |
| Credit loss provision to net charge-offs | 1,072.5806% | 237 |
| Earnings coverage of net charge-offs (x) | 36.5645% | 1,017 |
| Efficiency ratio | 71.3256% | 3,604 |
| Assets per employee ($millions) | 2.9278% | 5,945 |
| Cash dividends to net income (ytd only)* | 37.3924% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6284% | 6,445 |
| Loan loss allowance to noncurrent loans | 18.8496% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1043% | 1,700 |
| Noncurrent loans to loans | 3.3338% | 972 |
| Net loans and leases to total assets | 55.2006% | 4,431 |
| Net loans and leases to deposits | 63.8513% | 4,519 |
| Net loans and leases to core deposits | 66.5538% | 4,652 |
| Total domestic deposits to total assets | 86.4518% | 3,021 |
| Equity capital to assets | 9.7291% | 4,136 |
| Core capital (leverage) ratio | 9.8381% | 3,795 |
| Tier 1 risk-based capital ratio | 15.0819% | 3,621 |
| Total risk-based capital ratio | 15.6572% | 3,954 |
| Memoranda: | ||
| Average total assets | $176,793,600 | 3,309 |
| Average earning assets | $153,422,200 | 3,447 |
| Average equity | $17,095,400 | 3,549 |
| Average total loans | $97,344,000 | 3,520 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,886 |
| Cost of funding earning assets | 0.4732% | 4,039 |
| Net interest margin | 3.8522% | 2,455 |
| Noninterest income to average assets | 1.2688% | 915 |
| Noninterest expense to average assets | 3.0894% | 2,692 |
| Loan and lease loss provision to assets | 0.1725% | 2,108 |
| Net operating income to assets | 1.3887% | 1,130 |
| Return on assets (ROA) | 1.4067% | 1,139 |
| Pretax return on assets | 1.4067% | 1,912 |
| Return on Equity (ROE) | 14.5696% | 877 |
| Retained earnings to average equity (ytd only) | 14.0881% | 248 |
| Net charge-offs to loans | 0.0164% | 4,798 |
| Credit loss provision to net charge-offs | 1,916.6667% | 171 |
| Earnings coverage of net charge-offs (x) | 173.4956% | 324 |
| Efficiency ratio | 66.4302% | 4,412 |
| Assets per employee ($millions) | 3.0237% | 5,805 |
| Cash dividends to net income (ytd only)* | 3.3047% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2213% | 6,784 |
| Loan loss allowance to noncurrent loans | 6.1339% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 2.3307% | 1,688 |
| Noncurrent loans to loans | 3.6079% | 1,042 |
| Net loans and leases to total assets | 57.0281% | 4,162 |
| Net loans and leases to deposits | 66.4342% | 4,252 |
| Net loans and leases to core deposits | 69.5416% | 4,368 |
| Total domestic deposits to total assets | 85.8416% | 3,345 |
| Equity capital to assets | 10.1996% | 3,648 |
| Core capital (leverage) ratio | 10.4756% | 3,031 |
| Tier 1 risk-based capital ratio | 15.3244% | 3,552 |
| Total risk-based capital ratio | 15.5339% | 4,170 |
| Memoranda: | ||
| Average total assets | $177,807,250 | 3,330 |
| Average earning assets | $156,097,000 | 3,436 |
| Average equity | $17,167,750 | 3,580 |
| Average total loans | $97,691,000 | 3,533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 3,088 |
| Cost of funding earning assets | 0.5048% | 3,853 |
| Net interest margin | 3.7623% | 2,708 |
| Noninterest income to average assets | 1.0221% | 1,463 |
| Noninterest expense to average assets | 3.0040% | 2,988 |
| Loan and lease loss provision to assets | 0.1726% | 2,179 |
| Net operating income to assets | 1.1735% | 1,660 |
| Return on assets (ROA) | 1.2003% | 1,701 |
| Pretax return on assets | 1.2003% | 2,676 |
| Return on Equity (ROE) | 12.6595% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.2955% | 448 |
| Net charge-offs to loans | 0.0246% | 4,353 |
| Credit loss provision to net charge-offs | 1,291.6667% | 242 |
| Earnings coverage of net charge-offs (x) | 100.7500% | 458 |
| Efficiency ratio | 69.0555% | 3,998 |
| Assets per employee ($millions) | 3.1485% | 5,590 |
| Cash dividends to net income (ytd only)* | 2.8757% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1508% | 6,852 |
| Loan loss allowance to noncurrent loans | 4.2891% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 2.2215% | 1,940 |
| Noncurrent loans to loans | 3.5149% | 1,202 |
| Net loans and leases to total assets | 55.7055% | 4,339 |
| Net loans and leases to deposits | 63.8528% | 4,528 |
| Net loans and leases to core deposits | 66.8806% | 4,604 |
| Total domestic deposits to total assets | 87.2404% | 2,692 |
| Equity capital to assets | 9.8882% | 4,071 |
| Core capital (leverage) ratio | 9.7106% | 3,921 |
| Tier 1 risk-based capital ratio | 14.8556% | 3,869 |
| Total risk-based capital ratio | 15.0082% | 4,569 |
| Memoranda: | ||
| Average total assets | $179,626,330 | 3,316 |
| Average earning assets | $158,890,330 | 3,416 |
| Average equity | $17,030,670 | 3,618 |
| Average total loans | $97,419,330 | 3,553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,527 |
| Cost of funding earning assets | 0.5116% | 3,955 |
| Net interest margin | 3.6353% | 3,122 |
| Noninterest income to average assets | 1.1408% | 1,150 |
| Noninterest expense to average assets | 2.8239% | 3,617 |
| Loan and lease loss provision to assets | 0.1735% | 2,130 |
| Net operating income to assets | 1.3642% | 1,116 |
| Return on assets (ROA) | 1.4141% | 1,089 |
| Pretax return on assets | 1.4141% | 1,814 |
| Return on Equity (ROE) | 15.2159% | 717 |
| Retained earnings to average equity (ytd only) | 14.4924% | 397 |
| Net charge-offs to loans | 0.0486% | 3,351 |
| Credit loss provision to net charge-offs | 666.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 59.0833% | 603 |
| Efficiency ratio | 64.7439% | 4,877 |
| Assets per employee ($millions) | 3.2631% | 5,518 |
| Cash dividends to net income (ytd only)* | 4.7546% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0705% | 6,949 |
| Loan loss allowance to noncurrent loans | 1.9722% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 2,142 |
| Noncurrent loans to loans | 3.5724% | 1,339 |
| Net loans and leases to total assets | 54.7358% | 4,284 |
| Net loans and leases to deposits | 62.3010% | 4,501 |
| Net loans and leases to core deposits | 66.0377% | 4,525 |
| Total domestic deposits to total assets | 87.8571% | 2,408 |
| Equity capital to assets | 9.9137% | 4,258 |
| Core capital (leverage) ratio | 9.1887% | 4,586 |
| Tier 1 risk-based capital ratio | 14.2551% | 4,319 |
| Total risk-based capital ratio | 14.3217% | 5,120 |
| Memoranda: | ||
| Average total assets | $184,429,000 | 3,300 |
| Average earning assets | $163,396,500 | 3,380 |
| Average equity | $17,140,000 | 3,646 |
| Average total loans | $98,702,000 | 3,543 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1511% | 7,076 |
| Cost of funding earning assets | 0.0160% | 7,055 |
| Net interest margin | 0.1351% | 7,073 |
| Noninterest income to average assets | 0.6746% | 2,858 |
| Noninterest expense to average assets | 0.1187% | 7,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6756% | 3,854 |
| Return on assets (ROA) | 0.6756% | 4,128 |
| Pretax return on assets | 0.6756% | 4,741 |
| Return on Equity (ROE) | 7.1663% | 3,549 |
| Retained earnings to average equity (ytd only) | 7.1663% | 1,493 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.9471% | 7,064 |
| Assets per employee ($millions) | 3.5676% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 2.0327% | 2,411 |
| Noncurrent loans to loans | 3.4871% | 1,432 |
| Net loans and leases to total assets | 52.3680% | 4,873 |
| Net loans and leases to deposits | 58.8662% | 5,145 |
| Net loans and leases to core deposits | 61.9994% | 5,159 |
| Total domestic deposits to total assets | 88.9612% | 1,588 |
| Equity capital to assets | 8.7263% | 5,823 |
| Core capital (leverage) ratio | 8.5296% | 5,568 |
| Tier 1 risk-based capital ratio | 13.2167% | 4,954 |
| Total risk-based capital ratio | 13.2167% | 5,769 |
| Memoranda: | ||
| Average total assets | $190,337,000 | 3,172 |
| Average earning assets | $168,793,600 | 3,248 |
| Average equity | $17,945,000 | 3,474 |
| Average total loans | $114,452,600 | 3,199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 2,153 |
| Cost of funding earning assets | 0.6951% | 3,814 |
| Net interest margin | 4.1648% | 1,847 |
| Noninterest income to average assets | 0.9176% | 1,769 |
| Noninterest expense to average assets | 3.6923% | 1,375 |
| Loan and lease loss provision to assets | 0.0703% | 4,790 |
| Net operating income to assets | 0.6216% | 4,290 |
| Return on assets (ROA) | 0.6893% | 4,217 |
| Pretax return on assets | 0.9443% | 3,943 |
| Return on Equity (ROE) | 7.1754% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.2684% | 2,511 |
| Net charge-offs to loans | 0.6438% | 1,705 |
| Credit loss provision to net charge-offs | 17.5747% | 4,991 |
| Earnings coverage of net charge-offs (x) | 2.3058% | 4,122 |
| Efficiency ratio | 80.0213% | 2,092 |
| Assets per employee ($millions) | 3.3392% | 5,341 |
| Cash dividends to net income (ytd only)* | 12.6402% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,294 |
| Loan loss allowance to noncurrent loans | 31.6783% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 2.8537% | 1,842 |
| Noncurrent loans to loans | 4.4796% | 1,053 |
| Net loans and leases to total assets | 56.4741% | 4,376 |
| Net loans and leases to deposits | 64.6226% | 4,639 |
| Net loans and leases to core deposits | 67.8658% | 4,738 |
| Total domestic deposits to total assets | 87.3906% | 2,433 |
| Equity capital to assets | 10.1472% | 4,280 |
| Core capital (leverage) ratio | 10.0633% | 3,452 |
| Tier 1 risk-based capital ratio | 15.0846% | 3,793 |
| Total risk-based capital ratio | 16.3176% | 3,754 |
| Memoranda: | ||
| Average total assets | $189,759,250 | 3,211 |
| Average earning assets | $168,421,250 | 3,283 |
| Average equity | $18,228,500 | 3,474 |
| Average total loans | $117,844,250 | 3,166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 1,481 |
| Cost of funding earning assets | 0.7519% | 3,593 |
| Net interest margin | 4.3565% | 1,319 |
| Noninterest income to average assets | 1.0668% | 1,258 |
| Noninterest expense to average assets | 3.8458% | 1,148 |
| Loan and lease loss provision to assets | 0.1043% | 4,222 |
| Net operating income to assets | 0.7128% | 3,797 |
| Return on assets (ROA) | 0.8082% | 3,621 |
| Pretax return on assets | 1.1220% | 3,223 |
| Return on Equity (ROE) | 8.5670% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.6385% | 1,792 |
| Net charge-offs to loans | 0.0885% | 4,261 |
| Credit loss provision to net charge-offs | 185.1852% | 1,529 |
| Earnings coverage of net charge-offs (x) | 19.4259% | 1,439 |
| Efficiency ratio | 77.8552% | 2,480 |
| Assets per employee ($millions) | 2.9299% | 6,185 |
| Cash dividends to net income (ytd only)* | 10.8387% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,928 |
| Loan loss allowance to noncurrent loans | 165.9504% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 4,429 |
| Noncurrent loans to loans | 1.0719% | 4,379 |
| Net loans and leases to total assets | 62.0368% | 3,429 |
| Net loans and leases to deposits | 71.2132% | 3,737 |
| Net loans and leases to core deposits | 74.3986% | 3,964 |
| Total domestic deposits to total assets | 87.1141% | 2,709 |
| Equity capital to assets | 10.3238% | 3,908 |
| Core capital (leverage) ratio | 9.1153% | 4,741 |
| Tier 1 risk-based capital ratio | 13.9905% | 4,457 |
| Total risk-based capital ratio | 15.2477% | 4,409 |
| Memoranda: | ||
| Average total assets | $191,793,670 | 3,195 |
| Average earning assets | $170,505,330 | 3,266 |
| Average equity | $18,092,670 | 3,483 |
| Average total loans | $122,055,330 | 3,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 1,424 |
| Cost of funding earning assets | 0.7700% | 3,698 |
| Net interest margin | 4.3820% | 1,267 |
| Noninterest income to average assets | 0.5264% | 3,727 |
| Noninterest expense to average assets | 3.8139% | 1,197 |
| Loan and lease loss provision to assets | 0.1513% | 3,481 |
| Net operating income to assets | 0.3772% | 5,359 |
| Return on assets (ROA) | 0.3772% | 5,544 |
| Pretax return on assets | 0.4639% | 5,543 |
| Return on Equity (ROE) | 4.1756% | 5,212 |
| Retained earnings to average equity (ytd only) | 4.1756% | 4,085 |
| Net charge-offs to loans | 0.1548% | 3,164 |
| Credit loss provision to net charge-offs | 153.0612% | 1,640 |
| Earnings coverage of net charge-offs (x) | 6.2245% | 2,241 |
| Efficiency ratio | 86.1111% | 1,474 |
| Assets per employee ($millions) | 2.6691% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,692 |
| Loan loss allowance to noncurrent loans | 423.8806% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 5,206 |
| Noncurrent loans to loans | 0.3793% | 5,915 |
| Net loans and leases to total assets | 60.7717% | 3,498 |
| Net loans and leases to deposits | 68.5715% | 3,955 |
| Net loans and leases to core deposits | 71.7909% | 4,184 |
| Total domestic deposits to total assets | 88.6254% | 1,939 |
| Equity capital to assets | 9.0163% | 5,471 |
| Core capital (leverage) ratio | 8.7047% | 5,288 |
| Tier 1 risk-based capital ratio | 12.1160% | 5,887 |
| Total risk-based capital ratio | 13.3690% | 5,860 |
| Memoranda: | ||
| Average total assets | $198,329,000 | 3,128 |
| Average earning assets | $176,632,500 | 3,198 |
| Average equity | $17,913,500 | 3,517 |
| Average total loans | $126,642,000 | 3,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,565 |
| Cost of funding earning assets | 0.9611% | 3,637 |
| Net interest margin | 4.3883% | 1,421 |
| Noninterest income to average assets | 0.5002% | 3,838 |
| Noninterest expense to average assets | 3.7515% | 1,439 |
| Loan and lease loss provision to assets | 0.5535% | 1,884 |
| Net operating income to assets | 0.0908% | 5,884 |
| Return on assets (ROA) | 0.1988% | 5,724 |
| Pretax return on assets | 0.2004% | 5,789 |
| Return on Equity (ROE) | 2.1855% | 5,590 |
| Retained earnings to average equity (ytd only) | 1.3406% | 5,221 |
| Net charge-offs to loans | 0.3911% | 3,459 |
| Credit loss provision to net charge-offs | 209.3023% | 1,181 |
| Earnings coverage of net charge-offs (x) | 2.4380% | 3,996 |
| Efficiency ratio | 85.3346% | 1,639 |
| Assets per employee ($millions) | 2.4870% | 6,844 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 3,965 |
| Loan loss allowance to noncurrent loans | 258.4980% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,857 |
| Noncurrent loans to loans | 0.5855% | 5,540 |
| Net loans and leases to total assets | 64.9850% | 2,988 |
| Net loans and leases to deposits | 73.3637% | 3,609 |
| Net loans and leases to core deposits | 77.3284% | 3,772 |
| Total domestic deposits to total assets | 88.5793% | 1,799 |
| Equity capital to assets | 9.0484% | 5,496 |
| Core capital (leverage) ratio | 8.6259% | 5,348 |
| Tier 1 risk-based capital ratio | 11.3762% | 6,244 |
| Total risk-based capital ratio | 12.6292% | 6,227 |
| Memoranda: | ||
| Average total assets | $195,122,200 | 3,113 |
| Average earning assets | $173,234,000 | 3,186 |
| Average equity | $17,753,200 | 3,460 |
| Average total loans | $131,949,600 | 2,955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 1,460 |
| Cost of funding earning assets | 0.9985% | 3,685 |
| Net interest margin | 4.4206% | 1,343 |
| Noninterest income to average assets | 0.5449% | 3,553 |
| Noninterest expense to average assets | 3.7846% | 1,328 |
| Loan and lease loss provision to assets | 0.6195% | 1,589 |
| Net operating income to assets | 0.0780% | 6,012 |
| Return on assets (ROA) | 0.1917% | 5,853 |
| Pretax return on assets | 0.1759% | 5,938 |
| Return on Equity (ROE) | 2.1036% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.0819% | 5,589 |
| Net charge-offs to loans | 0.2525% | 3,853 |
| Credit loss provision to net charge-offs | 360.5578% | 789 |
| Earnings coverage of net charge-offs (x) | 3.9681% | 3,232 |
| Efficiency ratio | 84.7356% | 1,658 |
| Assets per employee ($millions) | 2.5516% | 6,836 |
| Cash dividends to net income (ytd only)* | 48.5723% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 3,634 |
| Loan loss allowance to noncurrent loans | 231.3416% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 4,662 |
| Noncurrent loans to loans | 0.6943% | 5,498 |
| Net loans and leases to total assets | 63.1625% | 3,485 |
| Net loans and leases to deposits | 71.3031% | 4,096 |
| Net loans and leases to core deposits | 75.4409% | 4,259 |
| Total domestic deposits to total assets | 88.5830% | 1,707 |
| Equity capital to assets | 8.9294% | 5,836 |
| Core capital (leverage) ratio | 8.6116% | 5,533 |
| Tier 1 risk-based capital ratio | 11.3866% | 6,303 |
| Total risk-based capital ratio | 12.6404% | 6,299 |
| Memoranda: | ||
| Average total assets | $194,783,750 | 3,135 |
| Average earning assets | $172,793,500 | 3,203 |
| Average equity | $17,747,000 | 3,464 |
| Average total loans | $132,526,500 | 2,965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 1,383 |
| Cost of funding earning assets | 1.0394% | 3,674 |
| Net interest margin | 4.4230% | 1,308 |
| Noninterest income to average assets | 0.7116% | 2,488 |
| Noninterest expense to average assets | 3.7917% | 1,358 |
| Loan and lease loss provision to assets | 0.2327% | 3,579 |
| Net operating income to assets | 0.4706% | 4,641 |
| Return on assets (ROA) | 0.5720% | 4,333 |
| Pretax return on assets | 0.7281% | 4,281 |
| Return on Equity (ROE) | 6.2350% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.4908% | 2,693 |
| Net charge-offs to loans | 0.2431% | 3,664 |
| Credit loss provision to net charge-offs | 138.0368% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.9387% | 2,733 |
| Efficiency ratio | 81.9951% | 2,101 |
| Assets per employee ($millions) | 2.4362% | 6,985 |
| Cash dividends to net income (ytd only)* | 11.9349% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,806 |
| Loan loss allowance to noncurrent loans | 162.8348% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 4,392 |
| Noncurrent loans to loans | 0.6982% | 5,513 |
| Net loans and leases to total assets | 65.9179% | 3,048 |
| Net loans and leases to deposits | 74.9490% | 3,651 |
| Net loans and leases to core deposits | 78.6509% | 3,980 |
| Total domestic deposits to total assets | 87.9503% | 2,167 |
| Equity capital to assets | 9.3722% | 5,028 |
| Core capital (leverage) ratio | 9.0210% | 4,682 |
| Tier 1 risk-based capital ratio | 12.2431% | 5,571 |
| Total risk-based capital ratio | 13.2661% | 5,740 |
| Memoranda: | ||
| Average total assets | $193,369,000 | 3,180 |
| Average earning assets | $171,061,330 | 3,260 |
| Average equity | $17,738,670 | 3,458 |
| Average total loans | $134,114,330 | 2,961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 1,252 |
| Cost of funding earning assets | 1.0664% | 3,739 |
| Net interest margin | 4.4501% | 1,173 |
| Noninterest income to average assets | 0.7244% | 2,419 |
| Noninterest expense to average assets | 3.7354% | 1,469 |
| Loan and lease loss provision to assets | 0.1238% | 4,451 |
| Net operating income to assets | 0.5907% | 4,081 |
| Return on assets (ROA) | 0.5923% | 4,142 |
| Pretax return on assets | 0.7945% | 3,917 |
| Return on Equity (ROE) | 6.5268% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.7309% | 2,785 |
| Net charge-offs to loans | 0.1343% | 3,710 |
| Credit loss provision to net charge-offs | 130.4348% | 2,120 |
| Earnings coverage of net charge-offs (x) | 9.6522% | 1,702 |
| Efficiency ratio | 80.3017% | 2,474 |
| Assets per employee ($millions) | 2.4819% | 7,010 |
| Cash dividends to net income (ytd only)* | 12.1951% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 6,280 |
| Loan loss allowance to noncurrent loans | 108.0398% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4173% | 4,153 |
| Noncurrent loans to loans | 0.9549% | 5,126 |
| Net loans and leases to total assets | 69.0365% | 2,315 |
| Net loans and leases to deposits | 79.5587% | 2,799 |
| Net loans and leases to core deposits | 83.8477% | 3,184 |
| Total domestic deposits to total assets | 86.7743% | 3,073 |
| Equity capital to assets | 9.0686% | 5,098 |
| Core capital (leverage) ratio | 8.9135% | 4,751 |
| Tier 1 risk-based capital ratio | 11.1776% | 6,371 |
| Total risk-based capital ratio | 12.0953% | 6,589 |
| Memoranda: | ||
| Average total assets | $193,822,500 | 3,191 |
| Average earning assets | $171,050,500 | 3,286 |
| Average equity | $17,589,000 | 3,475 |
| Average total loans | $137,008,500 | 2,946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6581% | 1,724 |
| Cost of funding earning assets | 1.2816% | 4,008 |
| Net interest margin | 4.3765% | 1,567 |
| Noninterest income to average assets | 0.6364% | 3,238 |
| Noninterest expense to average assets | 4.0498% | 1,094 |
| Loan and lease loss provision to assets | 0.2114% | 5,139 |
| Net operating income to assets | 0.1750% | 5,365 |
| Return on assets (ROA) | 0.1758% | 5,523 |
| Pretax return on assets | 0.2319% | 5,405 |
| Return on Equity (ROE) | 1.9554% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.5760% | 4,740 |
| Net charge-offs to loans | 0.4140% | 3,970 |
| Credit loss provision to net charge-offs | 70.5779% | 5,850 |
| Earnings coverage of net charge-offs (x) | 1.4764% | 4,646 |
| Efficiency ratio | 90.1542% | 1,312 |
| Assets per employee ($millions) | 2.4250% | 7,100 |
| Cash dividends to net income (ytd only)* | 19.4030% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 6,293 |
| Loan loss allowance to noncurrent loans | 153.1216% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 4,525 |
| Noncurrent loans to loans | 0.6652% | 5,716 |
| Net loans and leases to total assets | 70.9112% | 2,330 |
| Net loans and leases to deposits | 82.0594% | 2,787 |
| Net loans and leases to core deposits | 85.1357% | 3,449 |
| Total domestic deposits to total assets | 86.4145% | 3,127 |
| Equity capital to assets | 9.0812% | 5,022 |
| Core capital (leverage) ratio | 8.7691% | 4,902 |
| Tier 1 risk-based capital ratio | 11.0832% | 6,262 |
| Total risk-based capital ratio | 12.0276% | 6,474 |
| Memoranda: | ||
| Average total assets | $190,603,200 | 3,221 |
| Average earning assets | $167,919,000 | 3,318 |
| Average equity | $17,131,800 | 3,571 |
| Average total loans | $137,934,400 | 2,989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 1,929 |
| Cost of funding earning assets | 1.3299% | 4,037 |
| Net interest margin | 4.3053% | 1,833 |
| Noninterest income to average assets | 0.6626% | 3,057 |
| Noninterest expense to average assets | 3.9811% | 1,065 |
| Loan and lease loss provision to assets | 0.0925% | 6,108 |
| Net operating income to assets | 0.2877% | 5,215 |
| Return on assets (ROA) | 0.2893% | 5,377 |
| Pretax return on assets | 0.3824% | 5,273 |
| Return on Equity (ROE) | 3.2267% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.0314% | 4,311 |
| Net charge-offs to loans | 0.3408% | 3,941 |
| Credit loss provision to net charge-offs | 37.3938% | 6,051 |
| Earnings coverage of net charge-offs (x) | 1.9122% | 4,276 |
| Efficiency ratio | 89.3851% | 1,333 |
| Assets per employee ($millions) | 2.3877% | 7,213 |
| Cash dividends to net income (ytd only)* | 6.0528% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 6,508 |
| Loan loss allowance to noncurrent loans | 64.3062% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 4,320 |
| Noncurrent loans to loans | 1.5119% | 4,367 |
| Net loans and leases to total assets | 73.5046% | 1,911 |
| Net loans and leases to deposits | 85.7915% | 2,389 |
| Net loans and leases to core deposits | 92.3911% | 2,742 |
| Total domestic deposits to total assets | 85.6782% | 3,252 |
| Equity capital to assets | 9.4716% | 4,889 |
| Core capital (leverage) ratio | 9.0305% | 4,646 |
| Tier 1 risk-based capital ratio | 11.4425% | 5,980 |
| Total risk-based capital ratio | 12.3573% | 6,273 |
| Memoranda: | ||
| Average total assets | $190,361,000 | 3,270 |
| Average earning assets | $167,632,500 | 3,369 |
| Average equity | $17,065,500 | 3,629 |
| Average total loans | $138,107,000 | 3,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5840% | 2,197 |
| Cost of funding earning assets | 1.3578% | 4,143 |
| Net interest margin | 4.2262% | 2,066 |
| Noninterest income to average assets | 0.7145% | 2,624 |
| Noninterest expense to average assets | 3.9148% | 1,164 |
| Loan and lease loss provision to assets | 0.1273% | 5,610 |
| Net operating income to assets | 0.3174% | 5,110 |
| Return on assets (ROA) | 0.3234% | 5,260 |
| Pretax return on assets | 0.3974% | 5,234 |
| Return on Equity (ROE) | 3.6743% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.6743% | 3,760 |
| Net charge-offs to loans | 0.2376% | 4,179 |
| Credit loss provision to net charge-offs | 74.3902% | 4,849 |
| Earnings coverage of net charge-offs (x) | 3.0244% | 3,486 |
| Efficiency ratio | 88.3267% | 1,482 |
| Assets per employee ($millions) | 2.3003% | 7,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,877 |
| Loan loss allowance to noncurrent loans | 66.2609% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 3,885 |
| Noncurrent loans to loans | 1.6803% | 4,170 |
| Net loans and leases to total assets | 72.6473% | 2,241 |
| Net loans and leases to deposits | 85.1798% | 2,667 |
| Net loans and leases to core deposits | 92.3644% | 2,934 |
| Total domestic deposits to total assets | 85.2870% | 3,472 |
| Equity capital to assets | 9.1244% | 5,258 |
| Core capital (leverage) ratio | 8.7845% | 4,941 |
| Tier 1 risk-based capital ratio | 10.9602% | 6,279 |
| Total risk-based capital ratio | 11.9892% | 6,479 |
| Memoranda: | ||
| Average total assets | $191,734,670 | 3,281 |
| Average earning assets | $168,660,330 | 3,368 |
| Average equity | $16,874,000 | 3,654 |
| Average total loans | $138,063,000 | 3,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 2,208 |
| Cost of funding earning assets | 1.3494% | 4,500 |
| Net interest margin | 4.2369% | 1,904 |
| Noninterest income to average assets | 0.6686% | 2,820 |
| Noninterest expense to average assets | 3.6268% | 1,672 |
| Loan and lease loss provision to assets | 0.1481% | 5,064 |
| Net operating income to assets | 0.4917% | 4,432 |
| Return on assets (ROA) | 0.4917% | 4,568 |
| Pretax return on assets | 0.6336% | 4,476 |
| Return on Equity (ROE) | 5.6869% | 4,018 |
| Retained earnings to average equity (ytd only) | 5.6869% | 2,771 |
| Net charge-offs to loans | 0.3722% | 2,928 |
| Credit loss provision to net charge-offs | 55.8140% | 4,386 |
| Earnings coverage of net charge-offs (x) | 2.9457% | 3,077 |
| Efficiency ratio | 82.2678% | 2,242 |
| Assets per employee ($millions) | 2.5867% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 6,046 |
| Loan loss allowance to noncurrent loans | 78.4191% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 4,826 |
| Noncurrent loans to loans | 1.3920% | 4,642 |
| Net loans and leases to total assets | 71.3842% | 2,591 |
| Net loans and leases to deposits | 80.7559% | 3,501 |
| Net loans and leases to core deposits | 89.7467% | 3,397 |
| Total domestic deposits to total assets | 88.3951% | 1,852 |
| Equity capital to assets | 8.8121% | 5,529 |
| Core capital (leverage) ratio | 8.5592% | 5,278 |
| Tier 1 risk-based capital ratio | 11.3160% | 5,841 |
| Total risk-based capital ratio | 12.3738% | 6,003 |
| Memoranda: | ||
| Average total assets | $194,439,500 | 3,294 |
| Average earning assets | $171,633,000 | 3,375 |
| Average equity | $16,810,500 | 3,694 |
| Average total loans | $138,652,500 | 3,098 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 3,124 |
| Cost of funding earning assets | 1.6701% | 4,673 |
| Net interest margin | 4.0248% | 2,765 |
| Noninterest income to average assets | 0.7304% | 2,784 |
| Noninterest expense to average assets | 3.9120% | 1,493 |
| Loan and lease loss provision to assets | 0.3012% | 5,023 |
| Net operating income to assets | 0.0860% | 5,253 |
| Return on assets (ROA) | 0.2250% | 4,886 |
| Pretax return on assets | 0.2754% | 4,830 |
| Return on Equity (ROE) | 2.6554% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.6730% | 3,915 |
| Net charge-offs to loans | 0.3764% | 4,323 |
| Credit loss provision to net charge-offs | 114.1491% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.5430% | 4,592 |
| Efficiency ratio | 90.5746% | 1,665 |
| Assets per employee ($millions) | 2.5982% | 7,040 |
| Cash dividends to net income (ytd only)* | 36.9955% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,779 |
| Loan loss allowance to noncurrent loans | 76.5281% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3172% | 4,456 |
| Noncurrent loans to loans | 1.4696% | 4,461 |
| Net loans and leases to total assets | 69.6794% | 3,323 |
| Net loans and leases to deposits | 81.3207% | 3,730 |
| Net loans and leases to core deposits | 114.4905% | 2,459 |
| Total domestic deposits to total assets | 85.6847% | 3,175 |
| Equity capital to assets | 8.4842% | 5,907 |
| Core capital (leverage) ratio | 8.2363% | 5,758 |
| Tier 1 risk-based capital ratio | 11.3457% | 5,572 |
| Total risk-based capital ratio | 12.4560% | 5,665 |
| Memoranda: | ||
| Average total assets | $198,237,600 | 3,202 |
| Average earning assets | $176,754,400 | 3,255 |
| Average equity | $16,796,200 | 3,713 |
| Average total loans | $138,931,600 | 3,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 3,192 |
| Cost of funding earning assets | 1.7809% | 4,475 |
| Net interest margin | 3.9488% | 3,041 |
| Noninterest income to average assets | 0.7257% | 2,847 |
| Noninterest expense to average assets | 3.5733% | 2,081 |
| Loan and lease loss provision to assets | 0.1760% | 5,599 |
| Net operating income to assets | 0.4095% | 4,361 |
| Return on assets (ROA) | 0.5577% | 3,851 |
| Pretax return on assets | 0.6807% | 3,927 |
| Return on Equity (ROE) | 6.5844% | 3,265 |
| Retained earnings to average equity (ytd only) | 6.0687% | 1,916 |
| Net charge-offs to loans | 0.4109% | 3,620 |
| Credit loss provision to net charge-offs | 61.2150% | 6,152 |
| Earnings coverage of net charge-offs (x) | 2.3505% | 4,061 |
| Efficiency ratio | 84.0923% | 2,286 |
| Assets per employee ($millions) | 2.4991% | 7,227 |
| Cash dividends to net income (ytd only)* | 7.8309% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 6,644 |
| Loan loss allowance to noncurrent loans | 48.4107% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5400% | 4,059 |
| Noncurrent loans to loans | 1.9154% | 3,752 |
| Net loans and leases to total assets | 74.5350% | 2,367 |
| Net loans and leases to deposits | 86.1434% | 3,287 |
| Net loans and leases to core deposits | 123.5733% | 1,947 |
| Total domestic deposits to total assets | 86.5243% | 2,413 |
| Equity capital to assets | 9.1552% | 5,247 |
| Core capital (leverage) ratio | 8.5395% | 5,420 |
| Tier 1 risk-based capital ratio | 11.5607% | 5,374 |
| Total risk-based capital ratio | 12.4833% | 5,660 |
| Memoranda: | ||
| Average total assets | $198,432,000 | 3,217 |
| Average earning assets | $177,062,500 | 3,273 |
| Average equity | $16,807,000 | 3,744 |
| Average total loans | $138,876,000 | 3,140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 3,755 |
| Cost of funding earning assets | 1.8611% | 4,462 |
| Net interest margin | 3.8011% | 3,548 |
| Noninterest income to average assets | 0.7453% | 2,727 |
| Noninterest expense to average assets | 3.5466% | 2,204 |
| Loan and lease loss provision to assets | 0.1630% | 5,432 |
| Net operating income to assets | 0.2977% | 4,907 |
| Return on assets (ROA) | 0.3876% | 4,659 |
| Pretax return on assets | 0.5694% | 4,409 |
| Return on Equity (ROE) | 4.6951% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,106 |
| Net charge-offs to loans | 0.1265% | 4,900 |
| Credit loss provision to net charge-offs | 188.5057% | 2,422 |
| Earnings coverage of net charge-offs (x) | 6.9425% | 2,527 |
| Efficiency ratio | 85.5260% | 2,280 |
| Assets per employee ($millions) | 2.4260% | 7,387 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,297 |
| Loan loss allowance to noncurrent loans | 141.7722% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 5,654 |
| Noncurrent loans to loans | 0.8079% | 5,613 |
| Net loans and leases to total assets | 68.8656% | 3,980 |
| Net loans and leases to deposits | 77.3511% | 4,963 |
| Net loans and leases to core deposits | 116.9377% | 2,631 |
| Total domestic deposits to total assets | 89.0299% | 1,256 |
| Equity capital to assets | 8.5687% | 5,946 |
| Core capital (leverage) ratio | 8.0288% | 6,274 |
| Tier 1 risk-based capital ratio | 11.2664% | 5,621 |
| Total risk-based capital ratio | 12.3552% | 5,689 |
| Memoranda: | ||
| Average total assets | $201,264,330 | 3,209 |
| Average earning assets | $180,104,000 | 3,258 |
| Average equity | $16,613,000 | 3,790 |
| Average total loans | $137,537,000 | 3,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1069% | 1,917 |
| Cost of funding earning assets | 2.0714% | 3,788 |
| Net interest margin | 4.0355% | 2,506 |
| Noninterest income to average assets | 0.4997% | 4,324 |
| Noninterest expense to average assets | 4.1389% | 1,013 |
| Loan and lease loss provision to assets | 0.2879% | 3,652 |
| Net operating income to assets | -0.3873% | 6,769 |
| Return on assets (ROA) | 0.2499% | 5,652 |
| Pretax return on assets | 0.2933% | 5,696 |
| Return on Equity (ROE) | 2.3960% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.0938% | 5,202 |
| Net charge-offs to loans | 0.1236% | 3,986 |
| Credit loss provision to net charge-offs | 311.7647% | 1,572 |
| Earnings coverage of net charge-offs (x) | -1.8235% | 5,462 |
| Efficiency ratio | 104.2408% | 977 |
| Assets per employee ($millions) | 2.8547% | 6,520 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 6,279 |
| Loan loss allowance to noncurrent loans | 400.7407% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 5,832 |
| Noncurrent loans to loans | 0.2461% | 6,832 |
| Net loans and leases to total assets | 73.1761% | 2,968 |
| Net loans and leases to deposits | 85.5051% | 3,716 |
| Net loans and leases to core deposits | 142.3905% | 991 |
| Total domestic deposits to total assets | 85.5809% | 2,933 |
| Equity capital to assets | 10.2707% | 3,681 |
| Core capital (leverage) ratio | 9.3707% | 4,143 |
| Tier 1 risk-based capital ratio | 12.7367% | 4,360 |
| Total risk-based capital ratio | 13.7178% | 4,489 |
| Memoranda: | ||
| Average total assets | $73,643,000 | 6,011 |
| Average earning assets | $63,338,000 | 6,133 |
| Average equity | $7,679,500 | 6,163 |
| Average total loans | $55,036,000 | 5,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0716% | 966 |
| Cost of funding earning assets | 2.5773% | 3,813 |
| Net interest margin | 4.4943% | 1,440 |
| Noninterest income to average assets | 0.5898% | 3,918 |
| Noninterest expense to average assets | 4.3581% | 987 |
| Loan and lease loss provision to assets | 0.2181% | 4,707 |
| Net operating income to assets | -0.0161% | 6,395 |
| Return on assets (ROA) | 0.0961% | 5,969 |
| Pretax return on assets | 0.1220% | 5,903 |
| Return on Equity (ROE) | 0.8743% | 5,957 |
| Retained earnings to average equity (ytd only) | -0.0783% | 5,287 |
| Net charge-offs to loans | 0.3858% | 2,893 |
| Credit loss provision to net charge-offs | 76.3819% | 5,971 |
| Earnings coverage of net charge-offs (x) | 0.6935% | 5,809 |
| Efficiency ratio | 95.6535% | 1,179 |
| Assets per employee ($millions) | 2.7061% | 6,773 |
| Cash dividends to net income (ytd only)* | 108.9552% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,596 |
| Loan loss allowance to noncurrent loans | 219.5652% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 5,168 |
| Noncurrent loans to loans | 0.4165% | 6,095 |
| Net loans and leases to total assets | 74.8840% | 2,903 |
| Net loans and leases to deposits | 92.5380% | 3,044 |
| Net loans and leases to core deposits | 152.0129% | 781 |
| Total domestic deposits to total assets | 80.9225% | 4,676 |
| Equity capital to assets | 10.5878% | 3,405 |
| Core capital (leverage) ratio | 9.6722% | 3,806 |
| Tier 1 risk-based capital ratio | 12.7873% | 4,232 |
| Total risk-based capital ratio | 13.7040% | 4,372 |
| Memoranda: | ||
| Average total assets | $69,685,800 | 6,046 |
| Average earning assets | $61,499,600 | 6,110 |
| Average equity | $7,663,400 | 6,224 |
| Average total loans | $51,579,800 | 5,641 |