Home > Western Bank > Performance and Condition Ratios
Western Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 4,055 |
| Cost of funding earning assets | 0.5542% | 4,271 |
| Net interest margin | 3.7590% | 1,766 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.3385% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.8787% | 545 |
| Return on assets (ROA) | 1.8787% | 546 |
| Pretax return on assets | 1.8787% | 835 |
| Return on Equity (ROE) | 15.3500% | 997 |
| Retained earnings to average equity (ytd only) | 4.2682% | 2,783 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 55.4519% | 3,477 |
| Assets per employee ($millions) | 6.4616% | 2,587 |
| Cash dividends to net income (ytd only)* | 72.2022% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2308% | 289 |
| Loan loss allowance to noncurrent loans | 135.2125% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 1,794 |
| Noncurrent loans to loans | 1.6499% | 569 |
| Net loans and leases to total assets | 22.9900% | 4,278 |
| Net loans and leases to deposits | 26.5656% | 4,291 |
| Net loans and leases to core deposits | 28.3241% | 4,273 |
| Total domestic deposits to total assets | 86.5300% | 2,113 |
| Equity capital to assets | 12.3432% | 1,110 |
| Core capital (leverage) ratio | 13.5090% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0409% | 162 |
| Memoranda: | ||
| Average total assets | $294,885,000 | 2,504 |
| Average earning assets | $278,586,000 | 2,480 |
| Average equity | $36,081,000 | 2,182 |
| Average total loans | $72,368,000 | 3,546 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 3,954 |
| Cost of funding earning assets | 0.6018% | 4,271 |
| Net interest margin | 3.8172% | 1,472 |
| Noninterest income to average assets | 0.7200% | 1,116 |
| Noninterest expense to average assets | 2.3877% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.9378% | 437 |
| Return on assets (ROA) | 1.9378% | 441 |
| Pretax return on assets | 1.9378% | 659 |
| Return on Equity (ROE) | 16.4200% | 735 |
| Retained earnings to average equity (ytd only) | 8.3468% | 998 |
| Net charge-offs to loans | 0.0530% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 143.4359% | 642 |
| Efficiency ratio | 55.2014% | 3,632 |
| Assets per employee ($millions) | 6.3595% | 2,608 |
| Cash dividends to net income (ytd only)* | 49.1598% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 320 |
| Loan loss allowance to noncurrent loans | 131.5612% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 1,699 |
| Noncurrent loans to loans | 1.5831% | 584 |
| Net loans and leases to total assets | 25.0500% | 4,279 |
| Net loans and leases to deposits | 28.8855% | 4,290 |
| Net loans and leases to core deposits | 30.2108% | 4,280 |
| Total domestic deposits to total assets | 86.7400% | 1,957 |
| Equity capital to assets | 12.1263% | 1,135 |
| Core capital (leverage) ratio | 13.5595% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5999% | 173 |
| Memoranda: | ||
| Average total assets | $288,683,000 | 2,512 |
| Average earning assets | $272,683,800 | 2,489 |
| Average equity | $34,073,000 | 2,213 |
| Average total loans | $73,618,800 | 3,516 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 3,920 |
| Cost of funding earning assets | 0.6065% | 4,303 |
| Net interest margin | 3.8240% | 1,425 |
| Noninterest income to average assets | 0.7100% | 1,111 |
| Noninterest expense to average assets | 2.3745% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.9454% | 470 |
| Return on assets (ROA) | 1.9454% | 475 |
| Pretax return on assets | 1.9454% | 705 |
| Return on Equity (ROE) | 16.6000% | 738 |
| Retained earnings to average equity (ytd only) | 8.4926% | 1,252 |
| Net charge-offs to loans | -0.0036% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 54.9667% | 3,636 |
| Assets per employee ($millions) | 6.3623% | 2,611 |
| Cash dividends to net income (ytd only)* | 48.8328% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1729% | 306 |
| Loan loss allowance to noncurrent loans | 242.0575% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 2,239 |
| Noncurrent loans to loans | 0.8977% | 1,114 |
| Net loans and leases to total assets | 25.1600% | 4,310 |
| Net loans and leases to deposits | 29.2188% | 4,323 |
| Net loans and leases to core deposits | 30.7351% | 4,315 |
| Total domestic deposits to total assets | 86.1100% | 1,891 |
| Equity capital to assets | 12.5779% | 1,080 |
| Core capital (leverage) ratio | 13.5804% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0728% | 155 |
| Memoranda: | ||
| Average total assets | $287,719,500 | 2,512 |
| Average earning assets | $271,713,750 | 2,491 |
| Average equity | $33,722,750 | 2,222 |
| Average total loans | $73,310,750 | 3,526 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 3,936 |
| Cost of funding earning assets | 0.6027% | 4,303 |
| Net interest margin | 3.7852% | 1,448 |
| Noninterest income to average assets | 0.6900% | 1,121 |
| Noninterest expense to average assets | 2.3318% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9314% | 490 |
| Return on assets (ROA) | 1.9314% | 491 |
| Pretax return on assets | 1.9314% | 708 |
| Return on Equity (ROE) | 16.8900% | 729 |
| Retained earnings to average equity (ytd only) | 8.6954% | 1,171 |
| Net charge-offs to loans | -0.0055% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.6964% | 3,697 |
| Assets per employee ($millions) | 6.4955% | 2,409 |
| Cash dividends to net income (ytd only)* | 48.5088% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 318 |
| Loan loss allowance to noncurrent loans | 432.4324% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 2,677 |
| Noncurrent loans to loans | 0.4960% | 1,767 |
| Net loans and leases to total assets | 24.9800% | 4,332 |
| Net loans and leases to deposits | 28.5974% | 4,348 |
| Net loans and leases to core deposits | 29.9665% | 4,331 |
| Total domestic deposits to total assets | 87.3400% | 1,528 |
| Equity capital to assets | 11.5105% | 1,341 |
| Core capital (leverage) ratio | 13.3961% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3135% | 175 |
| Memoranda: | ||
| Average total assets | $288,191,333 | 2,511 |
| Average earning assets | $272,110,000 | 2,487 |
| Average equity | $32,960,000 | 2,226 |
| Average total loans | $73,203,333 | 3,531 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 3,853 |
| Cost of funding earning assets | 0.6334% | 4,297 |
| Net interest margin | 3.7544% | 1,431 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.3248% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8984% | 503 |
| Return on assets (ROA) | 1.8984% | 510 |
| Pretax return on assets | 1.8984% | 720 |
| Return on Equity (ROE) | 16.6500% | 758 |
| Retained earnings to average equity (ytd only) | 9.2956% | 1,252 |
| Net charge-offs to loans | -0.0110% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.0480% | 3,679 |
| Assets per employee ($millions) | 6.4872% | 2,458 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2223% | 274 |
| Loan loss allowance to noncurrent loans | 366.1327% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 2,623 |
| Noncurrent loans to loans | 0.6070% | 1,435 |
| Net loans and leases to total assets | 24.6600% | 4,355 |
| Net loans and leases to deposits | 28.2268% | 4,358 |
| Net loans and leases to core deposits | 29.6605% | 4,391 |
| Total domestic deposits to total assets | 87.3700% | 1,646 |
| Equity capital to assets | 11.5325% | 1,296 |
| Core capital (leverage) ratio | 12.9660% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3699% | 167 |
| Memoranda: | ||
| Average total assets | $286,138,000 | 2,524 |
| Average earning assets | $270,295,000 | 2,502 |
| Average equity | $32,617,500 | 2,246 |
| Average total loans | $72,503,000 | 3,539 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,947 |
| Cost of funding earning assets | 0.4400% | 4,255 |
| Net interest margin | 3.5737% | 2,018 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.0505% | 3,516 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.0197% | 453 |
| Return on assets (ROA) | 1.9246% | 495 |
| Pretax return on assets | 1.9246% | 750 |
| Return on Equity (ROE) | 18.9200% | 717 |
| Retained earnings to average equity (ytd only) | 18.9241% | 155 |
| Net charge-offs to loans | 0.0092% | 2,313 |
| Credit loss provision to net charge-offs | 2,000.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 836.2857% | 177 |
| Efficiency ratio | 49.7726% | 3,996 |
| Assets per employee ($millions) | 6.5191% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 286 |
| Loan loss allowance to noncurrent loans | 352.7594% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,480 |
| Noncurrent loans to loans | 0.6205% | 1,272 |
| Net loans and leases to total assets | 24.9000% | 4,368 |
| Net loans and leases to deposits | 28.3936% | 4,372 |
| Net loans and leases to core deposits | 29.6682% | 4,400 |
| Total domestic deposits to total assets | 87.6800% | 1,458 |
| Equity capital to assets | 11.2666% | 1,381 |
| Core capital (leverage) ratio | 13.1074% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4083% | 184 |
| Memoranda: | ||
| Average total assets | $282,913,200 | 2,508 |
| Average earning assets | $267,956,000 | 2,471 |
| Average equity | $28,772,800 | 2,329 |
| Average total loans | $75,962,800 | 3,467 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,912 |
| Cost of funding earning assets | 0.4079% | 4,246 |
| Net interest margin | 3.5472% | 2,113 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.0562% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0657% | 459 |
| Return on assets (ROA) | 1.9385% | 534 |
| Pretax return on assets | 1.9385% | 823 |
| Return on Equity (ROE) | 19.6000% | 764 |
| Retained earnings to average equity (ytd only) | 19.5978% | 273 |
| Net charge-offs to loans | 0.0052% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,456.0000% | 105 |
| Efficiency ratio | 49.8853% | 3,919 |
| Assets per employee ($millions) | 6.5871% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 421 |
| Loan loss allowance to noncurrent loans | 355.4745% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 2,583 |
| Noncurrent loans to loans | 0.5520% | 1,444 |
| Net loans and leases to total assets | 26.3800% | 4,370 |
| Net loans and leases to deposits | 29.9713% | 4,375 |
| Net loans and leases to core deposits | 31.3035% | 4,370 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 10.6879% | 1,477 |
| Core capital (leverage) ratio | 12.6645% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5752% | 210 |
| Memoranda: | ||
| Average total assets | $281,931,500 | 2,514 |
| Average earning assets | $267,362,750 | 2,479 |
| Average equity | $27,886,750 | 2,358 |
| Average total loans | $76,701,000 | 3,464 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,949 |
| Cost of funding earning assets | 0.3443% | 4,250 |
| Net interest margin | 3.5054% | 2,254 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.9493% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0417% | 438 |
| Return on assets (ROA) | 1.8520% | 608 |
| Pretax return on assets | 1.8520% | 935 |
| Return on Equity (ROE) | 19.2300% | 802 |
| Retained earnings to average equity (ytd only) | 19.2271% | 276 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.8430% | 4,007 |
| Assets per employee ($millions) | 6.5733% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 465 |
| Loan loss allowance to noncurrent loans | 336.0092% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,469 |
| Noncurrent loans to loans | 0.5771% | 1,296 |
| Net loans and leases to total assets | 26.2100% | 4,390 |
| Net loans and leases to deposits | 29.5337% | 4,401 |
| Net loans and leases to core deposits | 30.8065% | 4,397 |
| Total domestic deposits to total assets | 88.7500% | 1,331 |
| Equity capital to assets | 10.0997% | 1,799 |
| Core capital (leverage) ratio | 11.9667% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4766% | 215 |
| Memoranda: | ||
| Average total assets | $283,689,333 | 2,511 |
| Average earning assets | $268,956,333 | 2,479 |
| Average equity | $27,326,000 | 2,399 |
| Average total loans | $77,449,000 | 3,454 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 3,982 |
| Cost of funding earning assets | 0.2879% | 4,225 |
| Net interest margin | 3.4406% | 2,527 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 1.7339% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1843% | 384 |
| Return on assets (ROA) | 1.8057% | 647 |
| Pretax return on assets | 1.8057% | 1,056 |
| Return on Equity (ROE) | 19.2100% | 852 |
| Retained earnings to average equity (ytd only) | 19.2098% | 418 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.2529% | 4,293 |
| Assets per employee ($millions) | 6.6460% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 552 |
| Loan loss allowance to noncurrent loans | 339.9072% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 2,460 |
| Noncurrent loans to loans | 0.5558% | 1,331 |
| Net loans and leases to total assets | 26.6200% | 4,430 |
| Net loans and leases to deposits | 29.8530% | 4,448 |
| Net loans and leases to core deposits | 31.1176% | 4,443 |
| Total domestic deposits to total assets | 89.1800% | 1,475 |
| Equity capital to assets | 9.7544% | 1,961 |
| Core capital (leverage) ratio | 11.3763% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5909% | 270 |
| Memoranda: | ||
| Average total assets | $284,207,500 | 2,537 |
| Average earning assets | $269,491,500 | 2,507 |
| Average equity | $26,715,500 | 2,450 |
| Average total loans | $78,396,000 | 3,475 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8945% | 4,243 |
| Cost of funding earning assets | 0.0846% | 4,461 |
| Net interest margin | 2.8098% | 3,874 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.0144% | 3,545 |
| Loan and lease loss provision to assets | -0.5000% | 4,697 |
| Net operating income to assets | 1.8266% | 413 |
| Return on assets (ROA) | 1.8588% | 365 |
| Pretax return on assets | 1.8588% | 641 |
| Return on Equity (ROE) | 20.5600% | 424 |
| Retained earnings to average equity (ytd only) | 20.5565% | 79 |
| Net charge-offs to loans | 0.0039% | 2,313 |
| Credit loss provision to net charge-offs | -46,666.6667% | 4,718 |
| Earnings coverage of net charge-offs (x) | 1,254.3333% | 140 |
| Efficiency ratio | 60.2094% | 3,032 |
| Assets per employee ($millions) | 6.8936% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 598 |
| Loan loss allowance to noncurrent loans | 327.7405% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,424 |
| Noncurrent loans to loans | 0.5641% | 1,320 |
| Net loans and leases to total assets | 27.5200% | 4,446 |
| Net loans and leases to deposits | 30.5812% | 4,462 |
| Net loans and leases to core deposits | 31.4478% | 4,460 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 9.0417% | 2,332 |
| Core capital (leverage) ratio | 11.0096% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1268% | 234 |
| Memoranda: | ||
| Average total assets | $282,661,000 | 2,539 |
| Average earning assets | $268,236,400 | 2,500 |
| Average equity | $25,558,800 | 2,555 |
| Average total loans | $77,121,000 | 3,448 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7102% | 4,287 |
| Cost of funding earning assets | 0.0566% | 4,545 |
| Net interest margin | 2.6536% | 4,016 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 1.8254% | 3,930 |
| Loan and lease loss provision to assets | -0.6600% | 4,740 |
| Net operating income to assets | 2.0216% | 279 |
| Return on assets (ROA) | 2.0646% | 266 |
| Pretax return on assets | 2.0646% | 408 |
| Return on Equity (ROE) | 22.8300% | 262 |
| Retained earnings to average equity (ytd only) | 22.8322% | 60 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.2824% | 3,476 |
| Assets per employee ($millions) | 6.9298% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 667 |
| Loan loss allowance to noncurrent loans | 316.3793% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 2,472 |
| Noncurrent loans to loans | 0.5839% | 1,377 |
| Net loans and leases to total assets | 27.4500% | 4,471 |
| Net loans and leases to deposits | 30.3338% | 4,494 |
| Net loans and leases to core deposits | 30.8170% | 4,499 |
| Total domestic deposits to total assets | 90.5000% | 1,437 |
| Equity capital to assets | 8.5731% | 2,499 |
| Core capital (leverage) ratio | 10.6519% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5144% | 256 |
| Memoranda: | ||
| Average total assets | $282,667,250 | 2,560 |
| Average earning assets | $268,359,250 | 2,524 |
| Average equity | $25,559,750 | 2,592 |
| Average total loans | $76,591,000 | 3,475 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5479% | 4,333 |
| Cost of funding earning assets | 0.0530% | 4,576 |
| Net interest margin | 2.4949% | 4,094 |
| Noninterest income to average assets | 0.6662% | 1,474 |
| Noninterest expense to average assets | 1.7145% | 4,122 |
| Loan and lease loss provision to assets | -0.9923% | 4,764 |
| Net operating income to assets | 2.3134% | 136 |
| Return on assets (ROA) | 2.3779% | 125 |
| Pretax return on assets | 2.3779% | 195 |
| Return on Equity (ROE) | 25.8471% | 97 |
| Retained earnings to average equity (ytd only) | 25.8471% | 30 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4791% | 3,725 |
| Assets per employee ($millions) | 6.7063% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 702 |
| Loan loss allowance to noncurrent loans | 309.7046% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 2,553 |
| Noncurrent loans to loans | 0.6053% | 1,399 |
| Net loans and leases to total assets | 26.6455% | 4,548 |
| Net loans and leases to deposits | 29.4850% | 4,555 |
| Net loans and leases to core deposits | 30.0064% | 4,566 |
| Total domestic deposits to total assets | 90.3697% | 1,530 |
| Equity capital to assets | 8.7720% | 2,554 |
| Core capital (leverage) ratio | 10.2430% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8039% | 255 |
| Memoranda: | ||
| Average total assets | $282,183,000 | 2,575 |
| Average earning assets | $267,986,000 | 2,550 |
| Average equity | $25,960,333 | 2,631 |
| Average total loans | $75,633,667 | 3,522 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4544% | 4,326 |
| Cost of funding earning assets | 0.0498% | 4,605 |
| Net interest margin | 2.4046% | 4,061 |
| Noninterest income to average assets | 0.6521% | 1,485 |
| Noninterest expense to average assets | 2.0639% | 3,264 |
| Loan and lease loss provision to assets | -2.0065% | 4,794 |
| Net operating income to assets | 2.8779% | 83 |
| Return on assets (ROA) | 3.0084% | 76 |
| Pretax return on assets | 3.0084% | 107 |
| Return on Equity (ROE) | 31.9331% | 48 |
| Retained earnings to average equity (ytd only) | 31.9331% | 29 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3125% | 2,188 |
| Assets per employee ($millions) | 6.7958% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 654 |
| Loan loss allowance to noncurrent loans | 305.1975% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,607 |
| Noncurrent loans to loans | 0.6446% | 1,463 |
| Net loans and leases to total assets | 25.6299% | 4,578 |
| Net loans and leases to deposits | 28.3697% | 4,590 |
| Net loans and leases to core deposits | 29.3403% | 4,592 |
| Total domestic deposits to total assets | 90.3428% | 1,359 |
| Equity capital to assets | 8.8381% | 2,852 |
| Core capital (leverage) ratio | 10.1406% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0102% | 264 |
| Memoranda: | ||
| Average total assets | $279,089,000 | 2,605 |
| Average earning assets | $264,991,000 | 2,585 |
| Average equity | $26,292,500 | 2,699 |
| Average total loans | $74,297,500 | 3,552 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7238% | 4,290 |
| Cost of funding earning assets | 0.0613% | 4,637 |
| Net interest margin | 2.6624% | 3,939 |
| Noninterest income to average assets | 0.8427% | 1,337 |
| Noninterest expense to average assets | 2.0963% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2650% | 1,705 |
| Return on assets (ROA) | 1.3507% | 1,478 |
| Pretax return on assets | 1.3507% | 2,199 |
| Return on Equity (ROE) | 13.0406% | 1,453 |
| Retained earnings to average equity (ytd only) | 7.7848% | 1,623 |
| Net charge-offs to loans | -0.0285% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3661% | 2,806 |
| Assets per employee ($millions) | 6.1990% | 2,575 |
| Cash dividends to net income (ytd only)* | 40.3031% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8771% | 70 |
| Loan loss allowance to noncurrent loans | 581.7444% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 2,674 |
| Noncurrent loans to loans | 0.6665% | 1,502 |
| Net loans and leases to total assets | 26.0693% | 4,624 |
| Net loans and leases to deposits | 29.2297% | 4,638 |
| Net loans and leases to core deposits | 29.8808% | 4,644 |
| Total domestic deposits to total assets | 89.1877% | 1,424 |
| Equity capital to assets | 10.0307% | 2,625 |
| Core capital (leverage) ratio | 9.6169% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1192% | 302 |
| Memoranda: | ||
| Average total assets | $263,796,400 | 2,642 |
| Average earning assets | $249,545,200 | 2,619 |
| Average equity | $27,322,400 | 2,696 |
| Average total loans | $73,704,800 | 3,590 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7613% | 4,346 |
| Cost of funding earning assets | 0.0642% | 4,718 |
| Net interest margin | 2.6971% | 3,986 |
| Noninterest income to average assets | 0.9038% | 1,248 |
| Noninterest expense to average assets | 2.1089% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3437% | 1,706 |
| Return on assets (ROA) | 1.4467% | 1,468 |
| Pretax return on assets | 1.4467% | 2,163 |
| Return on Equity (ROE) | 13.8537% | 1,431 |
| Retained earnings to average equity (ytd only) | 9.2846% | 1,579 |
| Net charge-offs to loans | -0.0380% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0808% | 2,823 |
| Assets per employee ($millions) | 6.0663% | 2,628 |
| Cash dividends to net income (ytd only)* | 32.9810% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0294% | 67 |
| Loan loss allowance to noncurrent loans | 650.3401% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,016 |
| Noncurrent loans to loans | 0.6196% | 1,761 |
| Net loans and leases to total assets | 25.5918% | 4,717 |
| Net loans and leases to deposits | 28.8157% | 4,726 |
| Net loans and leases to core deposits | 29.8598% | 4,727 |
| Total domestic deposits to total assets | 88.8119% | 1,391 |
| Equity capital to assets | 10.2507% | 2,654 |
| Core capital (leverage) ratio | 9.7228% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8600% | 382 |
| Memoranda: | ||
| Average total assets | $261,557,000 | 2,682 |
| Average earning assets | $247,174,250 | 2,656 |
| Average equity | $27,313,250 | 2,719 |
| Average total loans | $73,637,750 | 3,636 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8591% | 4,272 |
| Cost of funding earning assets | 0.0684% | 4,752 |
| Net interest margin | 2.7907% | 3,806 |
| Noninterest income to average assets | 1.0109% | 1,055 |
| Noninterest expense to average assets | 2.3090% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3404% | 1,745 |
| Return on assets (ROA) | 1.4975% | 1,363 |
| Pretax return on assets | 1.4975% | 2,023 |
| Return on Equity (ROE) | 14.2505% | 1,337 |
| Retained earnings to average equity (ytd only) | 9.4295% | 1,575 |
| Net charge-offs to loans | -0.0645% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2700% | 2,527 |
| Assets per employee ($millions) | 5.9188% | 2,697 |
| Cash dividends to net income (ytd only)* | 33.8303% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9559% | 70 |
| Loan loss allowance to noncurrent loans | 649.5475% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 3,157 |
| Noncurrent loans to loans | 0.6090% | 1,883 |
| Net loans and leases to total assets | 26.1708% | 4,747 |
| Net loans and leases to deposits | 29.5394% | 4,763 |
| Net loans and leases to core deposits | 30.5756% | 4,769 |
| Total domestic deposits to total assets | 88.5964% | 1,510 |
| Equity capital to assets | 10.4312% | 2,457 |
| Core capital (leverage) ratio | 9.5678% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1931% | 373 |
| Memoranda: | ||
| Average total assets | $259,770,000 | 2,688 |
| Average earning assets | $245,602,000 | 2,656 |
| Average equity | $27,297,333 | 2,717 |
| Average total loans | $74,458,000 | 3,643 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0073% | 4,066 |
| Cost of funding earning assets | 0.0759% | 4,767 |
| Net interest margin | 2.9314% | 3,436 |
| Noninterest income to average assets | 1.3022% | 753 |
| Noninterest expense to average assets | 2.5265% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5471% | 1,223 |
| Return on assets (ROA) | 1.8652% | 755 |
| Pretax return on assets | 1.8652% | 1,167 |
| Return on Equity (ROE) | 17.6828% | 761 |
| Retained earnings to average equity (ytd only) | 12.0645% | 1,125 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0214% | 2,756 |
| Assets per employee ($millions) | 6.0520% | 2,551 |
| Cash dividends to net income (ytd only)* | 31.7726% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8162% | 76 |
| Loan loss allowance to noncurrent loans | 537.3585% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 3,026 |
| Noncurrent loans to loans | 0.7102% | 1,820 |
| Net loans and leases to total assets | 27.5831% | 4,759 |
| Net loans and leases to deposits | 31.0168% | 4,781 |
| Net loans and leases to core deposits | 31.6639% | 4,789 |
| Total domestic deposits to total assets | 88.9296% | 1,375 |
| Equity capital to assets | 10.1178% | 2,592 |
| Core capital (leverage) ratio | 9.7823% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2852% | 440 |
| Memoranda: | ||
| Average total assets | $256,482,000 | 2,696 |
| Average earning assets | $242,479,000 | 2,662 |
| Average equity | $27,054,500 | 2,731 |
| Average total loans | $75,399,000 | 3,647 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 3,851 |
| Cost of funding earning assets | 0.1536% | 4,719 |
| Net interest margin | 3.4264% | 2,686 |
| Noninterest income to average assets | 0.7269% | 1,759 |
| Noninterest expense to average assets | 2.3648% | 3,230 |
| Loan and lease loss provision to assets | 0.0915% | 3,212 |
| Net operating income to assets | 1.4878% | 838 |
| Return on assets (ROA) | 1.6526% | 614 |
| Pretax return on assets | 1.6526% | 951 |
| Return on Equity (ROE) | 14.7348% | 683 |
| Retained earnings to average equity (ytd only) | 8.3249% | 965 |
| Net charge-offs to loans | 0.2204% | 787 |
| Credit loss provision to net charge-offs | 119.1860% | 2,640 |
| Earnings coverage of net charge-offs (x) | 20.5640% | 1,937 |
| Efficiency ratio | 59.9570% | 3,461 |
| Assets per employee ($millions) | 6.1641% | 2,201 |
| Cash dividends to net income (ytd only)* | 43.5018% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7377% | 76 |
| Loan loss allowance to noncurrent loans | 549.6139% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,150 |
| Noncurrent loans to loans | 0.6801% | 1,986 |
| Net loans and leases to total assets | 29.0121% | 4,775 |
| Net loans and leases to deposits | 32.8956% | 4,803 |
| Net loans and leases to core deposits | 33.6087% | 4,814 |
| Total domestic deposits to total assets | 88.1945% | 1,378 |
| Equity capital to assets | 10.9916% | 2,259 |
| Core capital (leverage) ratio | 9.7228% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9011% | 395 |
| Memoranda: | ||
| Average total assets | $223,954,400 | 2,767 |
| Average earning assets | $210,279,400 | 2,744 |
| Average equity | $25,117,400 | 2,796 |
| Average total loans | $78,048,400 | 3,594 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 3,516 |
| Cost of funding earning assets | 0.1829% | 4,723 |
| Net interest margin | 3.6321% | 2,153 |
| Noninterest income to average assets | 0.7437% | 1,667 |
| Noninterest expense to average assets | 2.4143% | 3,092 |
| Loan and lease loss provision to assets | 0.1259% | 2,765 |
| Net operating income to assets | 1.6103% | 709 |
| Return on assets (ROA) | 1.8373% | 463 |
| Pretax return on assets | 1.8373% | 734 |
| Return on Equity (ROE) | 16.2873% | 513 |
| Retained earnings to average equity (ytd only) | 8.5989% | 1,111 |
| Net charge-offs to loans | 0.2819% | 563 |
| Credit loss provision to net charge-offs | 123.4940% | 2,481 |
| Earnings coverage of net charge-offs (x) | 17.0060% | 2,035 |
| Efficiency ratio | 58.1654% | 3,644 |
| Assets per employee ($millions) | 5.6977% | 2,541 |
| Cash dividends to net income (ytd only)* | 47.2046% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3195% | 105 |
| Loan loss allowance to noncurrent loans | 400.8427% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 2,863 |
| Noncurrent loans to loans | 0.8281% | 1,768 |
| Net loans and leases to total assets | 34.7348% | 4,720 |
| Net loans and leases to deposits | 39.5249% | 4,763 |
| Net loans and leases to core deposits | 40.5011% | 4,777 |
| Total domestic deposits to total assets | 87.8807% | 1,272 |
| Equity capital to assets | 11.1164% | 2,313 |
| Core capital (leverage) ratio | 9.9527% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9032% | 519 |
| Memoranda: | ||
| Average total assets | $216,760,750 | 2,804 |
| Average earning assets | $203,331,750 | 2,777 |
| Average equity | $24,452,000 | 2,835 |
| Average total loans | $78,518,250 | 3,603 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,208 |
| Cost of funding earning assets | 0.2279% | 4,693 |
| Net interest margin | 3.4056% | 3,081 |
| Noninterest income to average assets | 0.7312% | 1,636 |
| Noninterest expense to average assets | 2.4631% | 3,063 |
| Loan and lease loss provision to assets | 0.0573% | 3,584 |
| Net operating income to assets | 1.3964% | 1,124 |
| Return on assets (ROA) | 1.6297% | 783 |
| Pretax return on assets | 1.6297% | 1,158 |
| Return on Equity (ROE) | 14.3668% | 813 |
| Retained earnings to average equity (ytd only) | 5.0979% | 2,428 |
| Net charge-offs to loans | -0.0026% | 3,866 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8843% | 2,973 |
| Assets per employee ($millions) | 5.5920% | 2,554 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5135% | 90 |
| Loan loss allowance to noncurrent loans | 735.5499% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,692 |
| Noncurrent loans to loans | 0.4777% | 2,716 |
| Net loans and leases to total assets | 33.6273% | 4,790 |
| Net loans and leases to deposits | 38.3840% | 4,825 |
| Net loans and leases to core deposits | 39.4353% | 4,832 |
| Total domestic deposits to total assets | 87.6074% | 1,375 |
| Equity capital to assets | 10.6069% | 2,657 |
| Core capital (leverage) ratio | 10.0578% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3481% | 479 |
| Memoranda: | ||
| Average total assets | $209,246,000 | 2,830 |
| Average earning assets | $195,737,333 | 2,821 |
| Average equity | $23,735,333 | 2,873 |
| Average total loans | $76,032,333 | 3,646 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,960 |
| Cost of funding earning assets | 0.3040% | 4,651 |
| Net interest margin | 3.6350% | 2,552 |
| Noninterest income to average assets | 0.8104% | 1,282 |
| Noninterest expense to average assets | 2.5433% | 3,149 |
| Loan and lease loss provision to assets | 0.0305% | 3,394 |
| Net operating income to assets | 1.6209% | 597 |
| Return on assets (ROA) | 2.1177% | 239 |
| Pretax return on assets | 2.1177% | 362 |
| Return on Equity (ROE) | 17.9721% | 268 |
| Retained earnings to average equity (ytd only) | 5.8755% | 1,927 |
| Net charge-offs to loans | -0.0055% | 3,892 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6311% | 3,659 |
| Assets per employee ($millions) | 4.7470% | 2,935 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8847% | 82 |
| Loan loss allowance to noncurrent loans | 907.0513% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 3,874 |
| Noncurrent loans to loans | 0.4283% | 2,967 |
| Net loans and leases to total assets | 35.1197% | 4,810 |
| Net loans and leases to deposits | 41.2533% | 4,813 |
| Net loans and leases to core deposits | 42.6153% | 4,830 |
| Total domestic deposits to total assets | 85.1320% | 2,362 |
| Equity capital to assets | 11.8194% | 2,204 |
| Core capital (leverage) ratio | 11.4348% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2792% | 380 |
| Memoranda: | ||
| Average total assets | $196,436,000 | 2,898 |
| Average earning assets | $182,888,000 | 2,892 |
| Average equity | $23,147,000 | 2,911 |
| Average total loans | $73,121,000 | 3,700 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 3,333 |
| Cost of funding earning assets | 0.3913% | 4,470 |
| Net interest margin | 3.9785% | 1,914 |
| Noninterest income to average assets | 1.4635% | 433 |
| Noninterest expense to average assets | 2.9886% | 2,050 |
| Loan and lease loss provision to assets | 0.0295% | 3,423 |
| Net operating income to assets | 2.1291% | 256 |
| Return on assets (ROA) | 2.4983% | 144 |
| Pretax return on assets | 2.4983% | 212 |
| Return on Equity (ROE) | 20.8385% | 170 |
| Retained earnings to average equity (ytd only) | 2.8473% | 3,615 |
| Net charge-offs to loans | 0.0345% | 2,695 |
| Credit loss provision to net charge-offs | 220.0000% | 1,203 |
| Earnings coverage of net charge-offs (x) | 161.1200% | 464 |
| Efficiency ratio | 58.0635% | 3,954 |
| Assets per employee ($millions) | 4.2999% | 3,508 |
| Cash dividends to net income (ytd only)* | 86.3363% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8356% | 67 |
| Loan loss allowance to noncurrent loans | 556.3241% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,386 |
| Noncurrent loans to loans | 0.6894% | 2,160 |
| Net loans and leases to total assets | 36.4745% | 4,829 |
| Net loans and leases to deposits | 41.8217% | 4,871 |
| Net loans and leases to core deposits | 42.9413% | 4,893 |
| Total domestic deposits to total assets | 87.2143% | 1,509 |
| Equity capital to assets | 11.7464% | 2,320 |
| Core capital (leverage) ratio | 11.5244% | 2,093 |
| Tier 1 risk-based capital ratio | 24.4711% | 790 |
| Total risk-based capital ratio | 25.7443% | 771 |
| Memoranda: | ||
| Average total assets | $186,608,000 | 2,948 |
| Average earning assets | $172,778,600 | 2,952 |
| Average equity | $22,372,000 | 2,931 |
| Average total loans | $72,425,000 | 3,728 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 3,294 |
| Cost of funding earning assets | 0.4113% | 4,465 |
| Net interest margin | 4.0059% | 1,913 |
| Noninterest income to average assets | 1.3356% | 526 |
| Noninterest expense to average assets | 3.1103% | 1,693 |
| Loan and lease loss provision to assets | 0.0397% | 3,112 |
| Net operating income to assets | 1.8872% | 507 |
| Return on assets (ROA) | 2.3848% | 205 |
| Pretax return on assets | 2.3848% | 316 |
| Return on Equity (ROE) | 19.7876% | 265 |
| Retained earnings to average equity (ytd only) | 7.6709% | 1,553 |
| Net charge-offs to loans | 0.0462% | 2,174 |
| Credit loss provision to net charge-offs | 220.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 106.8881% | 715 |
| Efficiency ratio | 61.7466% | 3,361 |
| Assets per employee ($millions) | 3.6331% | 4,356 |
| Cash dividends to net income (ytd only)* | 61.2337% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8283% | 72 |
| Loan loss allowance to noncurrent loans | 183.1490% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 1,059 |
| Noncurrent loans to loans | 2.0903% | 635 |
| Net loans and leases to total assets | 37.4311% | 4,881 |
| Net loans and leases to deposits | 43.5044% | 4,921 |
| Net loans and leases to core deposits | 44.9753% | 4,937 |
| Total domestic deposits to total assets | 86.0398% | 1,985 |
| Equity capital to assets | 12.5654% | 1,861 |
| Core capital (leverage) ratio | 11.9882% | 1,861 |
| Tier 1 risk-based capital ratio | 23.6538% | 879 |
| Total risk-based capital ratio | 24.9248% | 862 |
| Memoranda: | ||
| Average total assets | $184,885,750 | 2,995 |
| Average earning assets | $170,844,500 | 3,000 |
| Average equity | $22,282,750 | 2,956 |
| Average total loans | $72,183,250 | 3,777 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 3,229 |
| Cost of funding earning assets | 0.4109% | 4,468 |
| Net interest margin | 4.0237% | 1,849 |
| Noninterest income to average assets | 1.3305% | 497 |
| Noninterest expense to average assets | 3.2603% | 1,358 |
| Loan and lease loss provision to assets | 0.0599% | 2,625 |
| Net operating income to assets | 1.7239% | 692 |
| Return on assets (ROA) | 2.0530% | 368 |
| Pretax return on assets | 2.0530% | 613 |
| Return on Equity (ROE) | 17.2865% | 438 |
| Retained earnings to average equity (ytd only) | 5.1291% | 2,706 |
| Net charge-offs to loans | 0.0335% | 2,197 |
| Credit loss provision to net charge-offs | 458.3333% | 641 |
| Earnings coverage of net charge-offs (x) | 136.4167% | 538 |
| Efficiency ratio | 64.6360% | 3,030 |
| Assets per employee ($millions) | 3.4404% | 4,567 |
| Cash dividends to net income (ytd only)* | 70.3291% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9135% | 67 |
| Loan loss allowance to noncurrent loans | 512.3188% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 1,914 |
| Noncurrent loans to loans | 0.7639% | 2,072 |
| Net loans and leases to total assets | 37.3735% | 4,932 |
| Net loans and leases to deposits | 43.2710% | 4,966 |
| Net loans and leases to core deposits | 44.3167% | 4,992 |
| Total domestic deposits to total assets | 86.3707% | 1,864 |
| Equity capital to assets | 12.3143% | 1,973 |
| Core capital (leverage) ratio | 11.8560% | 1,910 |
| Tier 1 risk-based capital ratio | 24.8329% | 766 |
| Total risk-based capital ratio | 26.1070% | 748 |
| Memoranda: | ||
| Average total assets | $183,540,000 | 3,017 |
| Average earning assets | $169,396,330 | 3,030 |
| Average equity | $21,797,330 | 2,993 |
| Average total loans | $71,734,000 | 3,804 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 3,335 |
| Cost of funding earning assets | 0.3961% | 4,497 |
| Net interest margin | 3.9754% | 1,928 |
| Noninterest income to average assets | 1.1578% | 602 |
| Noninterest expense to average assets | 3.0699% | 1,804 |
| Loan and lease loss provision to assets | 0.0767% | 2,144 |
| Net operating income to assets | 1.6643% | 792 |
| Return on assets (ROA) | 1.6380% | 857 |
| Pretax return on assets | 1.6380% | 1,377 |
| Return on Equity (ROE) | 14.0565% | 958 |
| Retained earnings to average equity (ytd only) | 2.2957% | 3,983 |
| Net charge-offs to loans | 0.0784% | 1,295 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 56.7143% | 947 |
| Efficiency ratio | 63.8104% | 3,269 |
| Assets per employee ($millions) | 3.3836% | 4,672 |
| Cash dividends to net income (ytd only)* | 83.6680% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8915% | 67 |
| Loan loss allowance to noncurrent loans | 580.9524% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 2,061 |
| Noncurrent loans to loans | 0.6699% | 2,341 |
| Net loans and leases to total assets | 37.9270% | 4,961 |
| Net loans and leases to deposits | 43.6881% | 4,996 |
| Net loans and leases to core deposits | 44.9014% | 5,022 |
| Total domestic deposits to total assets | 86.8129% | 1,903 |
| Equity capital to assets | 11.9677% | 2,036 |
| Core capital (leverage) ratio | 11.8443% | 1,872 |
| Tier 1 risk-based capital ratio | 24.3208% | 818 |
| Total risk-based capital ratio | 25.5952% | 795 |
| Memoranda: | ||
| Average total assets | $182,418,000 | 3,064 |
| Average earning assets | $167,630,500 | 3,082 |
| Average equity | $21,257,000 | 3,047 |
| Average total loans | $71,470,000 | 3,846 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,462 |
| Cost of funding earning assets | 0.2017% | 4,994 |
| Net interest margin | 3.9896% | 2,018 |
| Noninterest income to average assets | 1.2686% | 584 |
| Noninterest expense to average assets | 3.1489% | 1,681 |
| Loan and lease loss provision to assets | 0.0763% | 2,602 |
| Net operating income to assets | 1.7193% | 658 |
| Return on assets (ROA) | 1.6922% | 701 |
| Pretax return on assets | 1.6922% | 1,187 |
| Return on Equity (ROE) | 14.7174% | 893 |
| Retained earnings to average equity (ytd only) | 3.6794% | 3,557 |
| Net charge-offs to loans | 0.0458% | 2,518 |
| Credit loss provision to net charge-offs | 409.0909% | 813 |
| Earnings coverage of net charge-offs (x) | 96.3333% | 756 |
| Efficiency ratio | 63.6852% | 3,224 |
| Assets per employee ($millions) | 3.2521% | 4,782 |
| Cash dividends to net income (ytd only)* | 75.0000% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9317% | 59 |
| Loan loss allowance to noncurrent loans | 472.0339% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,875 |
| Noncurrent loans to loans | 0.8329% | 1,940 |
| Net loans and leases to total assets | 37.3657% | 5,034 |
| Net loans and leases to deposits | 42.7031% | 5,059 |
| Net loans and leases to core deposits | 43.7961% | 5,078 |
| Total domestic deposits to total assets | 87.5010% | 1,533 |
| Equity capital to assets | 11.3371% | 2,381 |
| Core capital (leverage) ratio | 12.1659% | 1,632 |
| Tier 1 risk-based capital ratio | 24.0259% | 825 |
| Total risk-based capital ratio | 25.2988% | 804 |
| Memoranda: | ||
| Average total assets | $177,048,400 | 3,086 |
| Average earning assets | $163,123,000 | 3,105 |
| Average equity | $20,356,800 | 3,060 |
| Average total loans | $72,063,400 | 3,829 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,512 |
| Cost of funding earning assets | 0.1599% | 5,191 |
| Net interest margin | 3.9763% | 2,024 |
| Noninterest income to average assets | 1.2986% | 568 |
| Noninterest expense to average assets | 3.1721% | 1,592 |
| Loan and lease loss provision to assets | 0.1024% | 1,956 |
| Net operating income to assets | 1.7021% | 742 |
| Return on assets (ROA) | 1.7135% | 725 |
| Pretax return on assets | 1.7135% | 1,244 |
| Return on Equity (ROE) | 14.8486% | 909 |
| Retained earnings to average equity (ytd only) | 5.6660% | 2,845 |
| Net charge-offs to loans | 0.0092% | 3,093 |
| Credit loss provision to net charge-offs | 2,700.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 475.5502% | 197 |
| Efficiency ratio | 63.7403% | 3,229 |
| Assets per employee ($millions) | 3.3128% | 4,762 |
| Cash dividends to net income (ytd only)* | 61.8416% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9604% | 64 |
| Loan loss allowance to noncurrent loans | 461.7406% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 1,863 |
| Noncurrent loans to loans | 0.8577% | 1,986 |
| Net loans and leases to total assets | 39.5854% | 5,036 |
| Net loans and leases to deposits | 45.4813% | 5,068 |
| Net loans and leases to core deposits | 46.3352% | 5,100 |
| Total domestic deposits to total assets | 87.0367% | 1,712 |
| Equity capital to assets | 11.5730% | 2,208 |
| Core capital (leverage) ratio | 12.4120% | 1,548 |
| Tier 1 risk-based capital ratio | 24.8459% | 771 |
| Total risk-based capital ratio | 26.1205% | 743 |
| Memoranda: | ||
| Average total assets | $175,780,750 | 3,121 |
| Average earning assets | $162,594,250 | 3,131 |
| Average equity | $20,284,250 | 3,091 |
| Average total loans | $72,370,500 | 3,857 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,631 |
| Cost of funding earning assets | 0.1369% | 5,296 |
| Net interest margin | 3.9079% | 2,175 |
| Noninterest income to average assets | 1.3043% | 566 |
| Noninterest expense to average assets | 3.1828% | 1,585 |
| Loan and lease loss provision to assets | 0.1526% | 1,238 |
| Net operating income to assets | 1.5835% | 956 |
| Return on assets (ROA) | 1.5970% | 930 |
| Pretax return on assets | 1.5970% | 1,512 |
| Return on Equity (ROE) | 13.8527% | 1,114 |
| Retained earnings to average equity (ytd only) | 4.7842% | 3,193 |
| Net charge-offs to loans | 0.0027% | 3,098 |
| Credit loss provision to net charge-offs | 13,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,536.0000% | 49 |
| Efficiency ratio | 64.7059% | 3,210 |
| Assets per employee ($millions) | 3.2573% | 4,870 |
| Cash dividends to net income (ytd only)* | 65.4636% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9470% | 62 |
| Loan loss allowance to noncurrent loans | 411.0949% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 1,828 |
| Noncurrent loans to loans | 0.9601% | 1,807 |
| Net loans and leases to total assets | 38.9614% | 5,094 |
| Net loans and leases to deposits | 44.7271% | 5,125 |
| Net loans and leases to core deposits | 45.6772% | 5,161 |
| Total domestic deposits to total assets | 87.1091% | 1,797 |
| Equity capital to assets | 11.5059% | 2,195 |
| Core capital (leverage) ratio | 12.0592% | 1,672 |
| Tier 1 risk-based capital ratio | 24.8529% | 743 |
| Total risk-based capital ratio | 26.1280% | 724 |
| Memoranda: | ||
| Average total assets | $176,953,330 | 3,129 |
| Average earning assets | $163,670,000 | 3,134 |
| Average equity | $20,400,330 | 3,091 |
| Average total loans | $72,826,330 | 3,874 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 3,635 |
| Cost of funding earning assets | 0.1244% | 5,374 |
| Net interest margin | 3.8672% | 2,167 |
| Noninterest income to average assets | 0.9984% | 911 |
| Noninterest expense to average assets | 3.0268% | 2,003 |
| Loan and lease loss provision to assets | 0.1465% | 1,262 |
| Net operating income to assets | 1.3996% | 1,343 |
| Return on assets (ROA) | 1.4266% | 1,272 |
| Pretax return on assets | 1.4266% | 1,910 |
| Return on Equity (ROE) | 12.3624% | 1,449 |
| Retained earnings to average equity (ytd only) | 2.1092% | 4,316 |
| Net charge-offs to loans | -0.0109% | 4,281 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1902% | 3,126 |
| Assets per employee ($millions) | 3.2583% | 4,946 |
| Cash dividends to net income (ytd only)* | 82.9384% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8203% | 71 |
| Loan loss allowance to noncurrent loans | 403.5242% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 1,606 |
| Noncurrent loans to loans | 0.9467% | 1,928 |
| Net loans and leases to total assets | 39.3201% | 5,094 |
| Net loans and leases to deposits | 44.9550% | 5,131 |
| Net loans and leases to core deposits | 45.8068% | 5,169 |
| Total domestic deposits to total assets | 87.4656% | 1,915 |
| Equity capital to assets | 11.3437% | 2,260 |
| Core capital (leverage) ratio | 11.5391% | 1,979 |
| Tier 1 risk-based capital ratio | 24.2793% | 818 |
| Total risk-based capital ratio | 25.5538% | 792 |
| Memoranda: | ||
| Average total assets | $177,484,000 | 3,157 |
| Average earning assets | $164,044,500 | 3,164 |
| Average equity | $20,481,500 | 3,110 |
| Average total loans | $73,566,500 | 3,888 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,586 |
| Cost of funding earning assets | 0.0950% | 5,513 |
| Net interest margin | 3.8505% | 2,251 |
| Noninterest income to average assets | 1.0798% | 875 |
| Noninterest expense to average assets | 2.9906% | 2,189 |
| Loan and lease loss provision to assets | 0.1128% | 2,016 |
| Net operating income to assets | 1.5404% | 739 |
| Return on assets (ROA) | 1.5711% | 704 |
| Pretax return on assets | 1.5711% | 1,376 |
| Return on Equity (ROE) | 12.5268% | 1,071 |
| Retained earnings to average equity (ytd only) | -1.8917% | 5,277 |
| Net charge-offs to loans | 0.3857% | 652 |
| Credit loss provision to net charge-offs | 68.4211% | 3,108 |
| Earnings coverage of net charge-offs (x) | 10.0246% | 2,721 |
| Efficiency ratio | 64.3988% | 3,550 |
| Assets per employee ($millions) | 3.4427% | 4,775 |
| Cash dividends to net income (ytd only)* | 115.1013% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5664% | 85 |
| Loan loss allowance to noncurrent loans | 319.6663% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 1,398 |
| Noncurrent loans to loans | 1.1157% | 1,582 |
| Net loans and leases to total assets | 40.5094% | 5,117 |
| Net loans and leases to deposits | 47.0952% | 5,159 |
| Net loans and leases to core deposits | 48.0163% | 5,190 |
| Total domestic deposits to total assets | 86.0161% | 2,426 |
| Equity capital to assets | 11.7328% | 2,014 |
| Core capital (leverage) ratio | 11.8182% | 1,711 |
| Tier 1 risk-based capital ratio | 23.8810% | 826 |
| Total risk-based capital ratio | 25.1540% | 804 |
| Memoranda: | ||
| Average total assets | $172,807,400 | 3,212 |
| Average earning assets | $159,955,000 | 3,200 |
| Average equity | $21,673,600 | 2,981 |
| Average total loans | $73,886,600 | 3,872 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,607 |
| Cost of funding earning assets | 0.0924% | 5,583 |
| Net interest margin | 3.8325% | 2,277 |
| Noninterest income to average assets | 1.0635% | 902 |
| Noninterest expense to average assets | 3.0729% | 1,886 |
| Loan and lease loss provision to assets | 0.0817% | 2,458 |
| Net operating income to assets | 1.4598% | 977 |
| Return on assets (ROA) | 1.5010% | 919 |
| Pretax return on assets | 1.5010% | 1,762 |
| Return on Equity (ROE) | 11.7696% | 1,406 |
| Retained earnings to average equity (ytd only) | 5.6650% | 2,454 |
| Net charge-offs to loans | 0.5184% | 396 |
| Credit loss provision to net charge-offs | 36.7133% | 3,025 |
| Earnings coverage of net charge-offs (x) | 6.9231% | 2,931 |
| Efficiency ratio | 66.5936% | 3,107 |
| Assets per employee ($millions) | 3.2510% | 5,008 |
| Cash dividends to net income (ytd only)* | 51.8673% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4060% | 100 |
| Loan loss allowance to noncurrent loans | 318.3047% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 1,450 |
| Noncurrent loans to loans | 1.0700% | 1,801 |
| Net loans and leases to total assets | 42.6466% | 5,091 |
| Net loans and leases to deposits | 50.2960% | 5,118 |
| Net loans and leases to core deposits | 51.3110% | 5,160 |
| Total domestic deposits to total assets | 84.7912% | 2,801 |
| Equity capital to assets | 13.1763% | 1,305 |
| Core capital (leverage) ratio | 12.6614% | 1,348 |
| Tier 1 risk-based capital ratio | 25.7800% | 694 |
| Total risk-based capital ratio | 27.0526% | 682 |
| Memoranda: | ||
| Average total assets | $171,254,250 | 3,257 |
| Average earning assets | $158,672,250 | 3,243 |
| Average equity | $21,841,000 | 2,993 |
| Average total loans | $73,557,750 | 3,917 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 3,767 |
| Cost of funding earning assets | 0.0871% | 5,640 |
| Net interest margin | 3.7503% | 2,468 |
| Noninterest income to average assets | 1.0087% | 1,005 |
| Noninterest expense to average assets | 3.0929% | 1,851 |
| Loan and lease loss provision to assets | 0.0527% | 2,927 |
| Net operating income to assets | 1.3399% | 1,197 |
| Return on assets (ROA) | 1.4090% | 1,072 |
| Pretax return on assets | 1.4090% | 1,985 |
| Return on Equity (ROE) | 11.1721% | 1,579 |
| Retained earnings to average equity (ytd only) | 4.9087% | 2,769 |
| Net charge-offs to loans | 0.7426% | 263 |
| Credit loss provision to net charge-offs | 16.6667% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.4074% | 2,935 |
| Efficiency ratio | 68.9538% | 2,857 |
| Assets per employee ($millions) | 3.7074% | 4,424 |
| Cash dividends to net income (ytd only)* | 56.0631% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4185% | 104 |
| Loan loss allowance to noncurrent loans | 233.8843% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 1,298 |
| Noncurrent loans to loans | 1.4616% | 1,293 |
| Net loans and leases to total assets | 41.2970% | 5,181 |
| Net loans and leases to deposits | 48.4853% | 5,191 |
| Net loans and leases to core deposits | 49.4468% | 5,243 |
| Total domestic deposits to total assets | 85.1742% | 2,742 |
| Equity capital to assets | 12.8505% | 1,443 |
| Core capital (leverage) ratio | 12.3461% | 1,444 |
| Tier 1 risk-based capital ratio | 25.4436% | 708 |
| Total risk-based capital ratio | 26.7159% | 694 |
| Memoranda: | ||
| Average total assets | $170,905,000 | 3,267 |
| Average earning assets | $158,442,000 | 3,266 |
| Average equity | $21,553,670 | 3,025 |
| Average total loans | $72,719,670 | 3,956 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,066 |
| Cost of funding earning assets | 0.0814% | 5,712 |
| Net interest margin | 3.6342% | 2,759 |
| Noninterest income to average assets | 0.8154% | 1,498 |
| Noninterest expense to average assets | 3.0065% | 2,152 |
| Loan and lease loss provision to assets | 0.0118% | 3,412 |
| Net operating income to assets | 1.1724% | 1,577 |
| Return on assets (ROA) | 1.1724% | 1,621 |
| Pretax return on assets | 1.1724% | 2,699 |
| Return on Equity (ROE) | 9.3875% | 2,237 |
| Retained earnings to average equity (ytd only) | -0.0757% | 4,926 |
| Net charge-offs to loans | 0.1058% | 1,317 |
| Credit loss provision to net charge-offs | 26.3158% | 2,137 |
| Earnings coverage of net charge-offs (x) | 26.3684% | 1,309 |
| Efficiency ratio | 71.7428% | 2,621 |
| Assets per employee ($millions) | 3.5627% | 4,695 |
| Cash dividends to net income (ytd only)* | 100.8065% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7869% | 92 |
| Loan loss allowance to noncurrent loans | 129.5914% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4736% | 1,109 |
| Noncurrent loans to loans | 2.9222% | 485 |
| Net loans and leases to total assets | 40.9906% | 5,208 |
| Net loans and leases to deposits | 47.1970% | 5,256 |
| Net loans and leases to core deposits | 48.1422% | 5,294 |
| Total domestic deposits to total assets | 86.8499% | 2,287 |
| Equity capital to assets | 12.4817% | 1,551 |
| Core capital (leverage) ratio | 12.3398% | 1,424 |
| Tier 1 risk-based capital ratio | 25.5913% | 723 |
| Total risk-based capital ratio | 26.8681% | 704 |
| Memoranda: | ||
| Average total assets | $169,232,500 | 3,320 |
| Average earning assets | $157,175,500 | 3,308 |
| Average equity | $21,134,500 | 3,073 |
| Average total loans | $71,826,000 | 4,009 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 3,813 |
| Cost of funding earning assets | 0.0780% | 5,781 |
| Net interest margin | 3.7504% | 2,500 |
| Noninterest income to average assets | 0.8535% | 1,561 |
| Noninterest expense to average assets | 2.8326% | 2,912 |
| Loan and lease loss provision to assets | 0.1129% | 2,181 |
| Net operating income to assets | 1.3949% | 1,017 |
| Return on assets (ROA) | 1.4116% | 1,008 |
| Pretax return on assets | 1.4116% | 1,893 |
| Return on Equity (ROE) | 11.0241% | 1,569 |
| Retained earnings to average equity (ytd only) | 6.1503% | 1,634 |
| Net charge-offs to loans | 0.1042% | 2,227 |
| Credit loss provision to net charge-offs | 263.8889% | 1,091 |
| Earnings coverage of net charge-offs (x) | 35.2361% | 1,294 |
| Efficiency ratio | 65.2609% | 3,716 |
| Assets per employee ($millions) | 3.5629% | 4,664 |
| Cash dividends to net income (ytd only)* | 44.2105% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9155% | 83 |
| Loan loss allowance to noncurrent loans | 158.3095% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.2368% | 1,451 |
| Noncurrent loans to loans | 2.4733% | 636 |
| Net loans and leases to total assets | 40.6217% | 5,291 |
| Net loans and leases to deposits | 46.7998% | 5,340 |
| Net loans and leases to core deposits | 47.7790% | 5,377 |
| Total domestic deposits to total assets | 86.7988% | 2,246 |
| Equity capital to assets | 12.4953% | 1,527 |
| Core capital (leverage) ratio | 12.4298% | 1,369 |
| Tier 1 risk-based capital ratio | 26.2512% | 681 |
| Total risk-based capital ratio | 27.5281% | 654 |
| Memoranda: | ||
| Average total assets | $168,253,800 | 3,305 |
| Average earning assets | $156,438,400 | 3,288 |
| Average equity | $21,543,800 | 3,018 |
| Average total loans | $69,102,400 | 4,065 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 3,907 |
| Cost of funding earning assets | 0.0757% | 5,856 |
| Net interest margin | 3.7279% | 2,602 |
| Noninterest income to average assets | 0.8596% | 1,548 |
| Noninterest expense to average assets | 2.8399% | 2,871 |
| Loan and lease loss provision to assets | 0.1266% | 1,847 |
| Net operating income to assets | 1.3637% | 1,135 |
| Return on assets (ROA) | 1.3764% | 1,180 |
| Pretax return on assets | 1.3764% | 2,138 |
| Return on Equity (ROE) | 10.6855% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.4625% | 2,510 |
| Net charge-offs to loans | -0.0155% | 4,921 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5822% | 3,664 |
| Assets per employee ($millions) | 3.5029% | 4,776 |
| Cash dividends to net income (ytd only)* | 48.8789% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0965% | 71 |
| Loan loss allowance to noncurrent loans | 186.6402% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 1,760 |
| Noncurrent loans to loans | 2.1949% | 852 |
| Net loans and leases to total assets | 39.2927% | 5,419 |
| Net loans and leases to deposits | 47.0576% | 5,411 |
| Net loans and leases to core deposits | 48.0449% | 5,452 |
| Total domestic deposits to total assets | 83.4993% | 3,398 |
| Equity capital to assets | 13.2962% | 1,346 |
| Core capital (leverage) ratio | 12.0419% | 1,649 |
| Tier 1 risk-based capital ratio | 26.1922% | 697 |
| Total risk-based capital ratio | 27.4716% | 680 |
| Memoranda: | ||
| Average total assets | $168,453,500 | 3,321 |
| Average earning assets | $156,829,500 | 3,296 |
| Average equity | $21,698,750 | 3,032 |
| Average total loans | $68,679,250 | 4,102 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 3,966 |
| Cost of funding earning assets | 0.0790% | 5,931 |
| Net interest margin | 3.7173% | 2,625 |
| Noninterest income to average assets | 0.8638% | 1,496 |
| Noninterest expense to average assets | 2.8785% | 2,749 |
| Loan and lease loss provision to assets | 0.1424% | 1,594 |
| Net operating income to assets | 1.3028% | 1,263 |
| Return on assets (ROA) | 1.3218% | 1,308 |
| Pretax return on assets | 1.3218% | 2,315 |
| Return on Equity (ROE) | 10.3726% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.3204% | 3,172 |
| Net charge-offs to loans | -0.0262% | 5,062 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5752% | 3,591 |
| Assets per employee ($millions) | 3.3859% | 4,941 |
| Cash dividends to net income (ytd only)* | 58.3483% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0210% | 75 |
| Loan loss allowance to noncurrent loans | 184.9834% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 1,777 |
| Noncurrent loans to loans | 2.1737% | 872 |
| Net loans and leases to total assets | 39.2532% | 5,458 |
| Net loans and leases to deposits | 45.7033% | 5,506 |
| Net loans and leases to core deposits | 46.8134% | 5,538 |
| Total domestic deposits to total assets | 85.8872% | 2,471 |
| Equity capital to assets | 13.2770% | 1,339 |
| Core capital (leverage) ratio | 11.9305% | 1,681 |
| Tier 1 risk-based capital ratio | 25.4075% | 777 |
| Total risk-based capital ratio | 26.6861% | 754 |
| Memoranda: | ||
| Average total assets | $168,558,670 | 3,334 |
| Average earning assets | $156,889,330 | 3,313 |
| Average equity | $21,479,670 | 3,055 |
| Average total loans | $68,609,670 | 4,126 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 4,116 |
| Cost of funding earning assets | 0.0792% | 5,989 |
| Net interest margin | 3.6774% | 2,771 |
| Noninterest income to average assets | 0.8633% | 1,405 |
| Noninterest expense to average assets | 2.8325% | 2,946 |
| Loan and lease loss provision to assets | 0.1427% | 1,477 |
| Net operating income to assets | 1.3128% | 1,223 |
| Return on assets (ROA) | 1.3271% | 1,276 |
| Pretax return on assets | 1.3271% | 2,196 |
| Return on Equity (ROE) | 10.6382% | 1,731 |
| Retained earnings to average equity (ytd only) | 1.1058% | 4,801 |
| Net charge-offs to loans | -0.0820% | 5,558 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0566% | 3,794 |
| Assets per employee ($millions) | 3.6713% | 4,515 |
| Cash dividends to net income (ytd only)* | 89.6057% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0021% | 92 |
| Loan loss allowance to noncurrent loans | 117.3259% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 1,207 |
| Noncurrent loans to loans | 3.4111% | 413 |
| Net loans and leases to total assets | 38.7610% | 5,519 |
| Net loans and leases to deposits | 44.7162% | 5,563 |
| Net loans and leases to core deposits | 45.7945% | 5,599 |
| Total domestic deposits to total assets | 86.6823% | 2,366 |
| Equity capital to assets | 12.5331% | 1,661 |
| Core capital (leverage) ratio | 11.7020% | 1,826 |
| Tier 1 risk-based capital ratio | 23.9182% | 921 |
| Total risk-based capital ratio | 25.1941% | 909 |
| Memoranda: | ||
| Average total assets | $168,191,500 | 3,356 |
| Average earning assets | $156,632,500 | 3,332 |
| Average equity | $20,981,000 | 3,104 |
| Average total loans | $68,296,000 | 4,152 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,176 |
| Cost of funding earning assets | 0.0993% | 5,966 |
| Net interest margin | 3.6560% | 2,915 |
| Noninterest income to average assets | 1.0032% | 1,178 |
| Noninterest expense to average assets | 3.0675% | 2,329 |
| Loan and lease loss provision to assets | 0.2288% | 873 |
| Net operating income to assets | 1.1234% | 1,823 |
| Return on assets (ROA) | 1.1594% | 1,776 |
| Pretax return on assets | 1.1594% | 2,812 |
| Return on Equity (ROE) | 9.3886% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.0636% | 3,878 |
| Net charge-offs to loans | 0.4347% | 637 |
| Credit loss provision to net charge-offs | 128.8660% | 2,029 |
| Earnings coverage of net charge-offs (x) | 7.6151% | 3,057 |
| Efficiency ratio | 69.4049% | 3,321 |
| Assets per employee ($millions) | 3.7223% | 4,435 |
| Cash dividends to net income (ytd only)* | 67.3684% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8799% | 89 |
| Loan loss allowance to noncurrent loans | 106.1600% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 1,088 |
| Noncurrent loans to loans | 3.6548% | 361 |
| Net loans and leases to total assets | 39.2527% | 5,556 |
| Net loans and leases to deposits | 45.1570% | 5,606 |
| Net loans and leases to core deposits | 46.4871% | 5,630 |
| Total domestic deposits to total assets | 86.9249% | 2,180 |
| Equity capital to assets | 12.4154% | 1,664 |
| Core capital (leverage) ratio | 11.9700% | 1,635 |
| Tier 1 risk-based capital ratio | 24.3068% | 886 |
| Total risk-based capital ratio | 25.5824% | 867 |
| Memoranda: | ||
| Average total assets | $163,879,800 | 3,384 |
| Average earning assets | $153,146,200 | 3,354 |
| Average equity | $20,237,400 | 3,150 |
| Average total loans | $66,942,600 | 4,171 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,313 |
| Cost of funding earning assets | 0.1084% | 6,026 |
| Net interest margin | 3.6269% | 3,046 |
| Noninterest income to average assets | 0.8721% | 1,539 |
| Noninterest expense to average assets | 3.0425% | 2,391 |
| Loan and lease loss provision to assets | 0.1841% | 1,125 |
| Net operating income to assets | 1.0398% | 2,276 |
| Return on assets (ROA) | 1.0881% | 2,144 |
| Pretax return on assets | 1.0881% | 3,275 |
| Return on Equity (ROE) | 8.8233% | 2,668 |
| Retained earnings to average equity (ytd only) | 2.9854% | 4,323 |
| Net charge-offs to loans | 0.1382% | 1,741 |
| Credit loss provision to net charge-offs | 326.0870% | 898 |
| Earnings coverage of net charge-offs (x) | 21.6807% | 1,812 |
| Efficiency ratio | 71.3135% | 2,991 |
| Assets per employee ($millions) | 3.3509% | 5,057 |
| Cash dividends to net income (ytd only)* | 66.1652% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8884% | 99 |
| Loan loss allowance to noncurrent loans | 101.5648% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 2.0934% | 944 |
| Noncurrent loans to loans | 3.8285% | 366 |
| Net loans and leases to total assets | 41.8923% | 5,495 |
| Net loans and leases to deposits | 48.4550% | 5,539 |
| Net loans and leases to core deposits | 49.9689% | 5,577 |
| Total domestic deposits to total assets | 86.4562% | 2,305 |
| Equity capital to assets | 12.7523% | 1,586 |
| Core capital (leverage) ratio | 12.1063% | 1,615 |
| Tier 1 risk-based capital ratio | 24.9823% | 859 |
| Total risk-based capital ratio | 26.2600% | 846 |
| Memoranda: | ||
| Average total assets | $162,974,250 | 3,430 |
| Average earning assets | $152,524,000 | 3,387 |
| Average equity | $20,097,750 | 3,192 |
| Average total loans | $66,577,500 | 4,221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,348 |
| Cost of funding earning assets | 0.1242% | 6,020 |
| Net interest margin | 3.5982% | 3,102 |
| Noninterest income to average assets | 0.8565% | 1,583 |
| Noninterest expense to average assets | 3.0632% | 2,357 |
| Loan and lease loss provision to assets | 0.1833% | 1,113 |
| Net operating income to assets | 0.9726% | 2,525 |
| Return on assets (ROA) | 1.0422% | 2,287 |
| Pretax return on assets | 1.0422% | 3,407 |
| Return on Equity (ROE) | 8.5471% | 2,775 |
| Retained earnings to average equity (ytd only) | 2.7355% | 4,316 |
| Net charge-offs to loans | 0.0122% | 3,489 |
| Credit loss provision to net charge-offs | 3,750.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 236.5000% | 294 |
| Efficiency ratio | 72.6035% | 2,911 |
| Assets per employee ($millions) | 3.0606% | 5,515 |
| Cash dividends to net income (ytd only)* | 67.9953% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0641% | 103 |
| Loan loss allowance to noncurrent loans | 97.9452% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 972 |
| Noncurrent loans to loans | 4.1494% | 350 |
| Net loans and leases to total assets | 39.5379% | 5,656 |
| Net loans and leases to deposits | 45.4115% | 5,707 |
| Net loans and leases to core deposits | 46.6457% | 5,736 |
| Total domestic deposits to total assets | 87.0659% | 2,134 |
| Equity capital to assets | 12.1642% | 1,910 |
| Core capital (leverage) ratio | 11.7755% | 1,789 |
| Tier 1 risk-based capital ratio | 24.9628% | 864 |
| Total risk-based capital ratio | 26.2408% | 849 |
| Memoranda: | ||
| Average total assets | $163,685,330 | 3,437 |
| Average earning assets | $152,967,330 | 3,401 |
| Average equity | $19,960,000 | 3,220 |
| Average total loans | $65,401,330 | 4,298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 4,423 |
| Cost of funding earning assets | 0.1301% | 6,059 |
| Net interest margin | 3.5542% | 3,210 |
| Noninterest income to average assets | 0.8685% | 1,503 |
| Noninterest expense to average assets | 3.0823% | 2,327 |
| Loan and lease loss provision to assets | 0.1825% | 1,047 |
| Net operating income to assets | 0.9269% | 2,624 |
| Return on assets (ROA) | 1.0680% | 2,098 |
| Pretax return on assets | 1.0680% | 3,225 |
| Return on Equity (ROE) | 8.7476% | 2,574 |
| Retained earnings to average equity (ytd only) | 0.1793% | 5,310 |
| Net charge-offs to loans | -0.0309% | 5,278 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5345% | 2,893 |
| Assets per employee ($millions) | 3.2273% | 5,365 |
| Cash dividends to net income (ytd only)* | 97.9499% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1947% | 109 |
| Loan loss allowance to noncurrent loans | 90.3545% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.2316% | 1,026 |
| Noncurrent loans to loans | 4.6425% | 322 |
| Net loans and leases to total assets | 36.7865% | 5,787 |
| Net loans and leases to deposits | 43.0099% | 5,798 |
| Net loans and leases to core deposits | 44.1338% | 5,838 |
| Total domestic deposits to total assets | 85.5304% | 3,164 |
| Equity capital to assets | 12.2818% | 1,830 |
| Core capital (leverage) ratio | 11.5517% | 1,959 |
| Tier 1 risk-based capital ratio | 24.9008% | 895 |
| Total risk-based capital ratio | 26.1776% | 874 |
| Memoranda: | ||
| Average total assets | $164,421,000 | 3,449 |
| Average earning assets | $153,733,500 | 3,408 |
| Average equity | $20,074,000 | 3,231 |
| Average total loans | $64,675,500 | 4,345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 3,320 |
| Cost of funding earning assets | 0.1473% | 6,117 |
| Net interest margin | 3.9553% | 2,031 |
| Noninterest income to average assets | 0.9743% | 1,271 |
| Noninterest expense to average assets | 3.1136% | 2,476 |
| Loan and lease loss provision to assets | 0.7765% | 159 |
| Net operating income to assets | 0.7778% | 3,481 |
| Return on assets (ROA) | 0.8241% | 3,350 |
| Pretax return on assets | 0.8241% | 4,173 |
| Return on Equity (ROE) | 6.7349% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,591 |
| Net charge-offs to loans | 1.1159% | 252 |
| Credit loss provision to net charge-offs | 159.7132% | 1,514 |
| Earnings coverage of net charge-offs (x) | 3.1969% | 3,947 |
| Efficiency ratio | 66.7029% | 4,110 |
| Assets per employee ($millions) | 3.0416% | 5,643 |
| Cash dividends to net income (ytd only)* | 65.7692% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8865% | 141 |
| Loan loss allowance to noncurrent loans | 76.7692% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.3830% | 982 |
| Noncurrent loans to loans | 5.0626% | 284 |
| Net loans and leases to total assets | 38.7101% | 5,810 |
| Net loans and leases to deposits | 44.9848% | 5,843 |
| Net loans and leases to core deposits | 46.2122% | 5,882 |
| Total domestic deposits to total assets | 86.0517% | 2,809 |
| Equity capital to assets | 12.1358% | 1,919 |
| Core capital (leverage) ratio | 11.9721% | 1,640 |
| Tier 1 risk-based capital ratio | 25.5330% | 795 |
| Total risk-based capital ratio | 26.8106% | 782 |
| Memoranda: | ||
| Average total assets | $157,757,200 | 3,525 |
| Average earning assets | $147,320,000 | 3,490 |
| Average equity | $19,302,400 | 3,253 |
| Average total loans | $68,735,200 | 4,218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,116 |
| Cost of funding earning assets | 0.1536% | 6,166 |
| Net interest margin | 4.0103% | 1,850 |
| Noninterest income to average assets | 1.0025% | 1,222 |
| Noninterest expense to average assets | 3.2083% | 2,151 |
| Loan and lease loss provision to assets | 0.7899% | 159 |
| Net operating income to assets | 0.7498% | 3,669 |
| Return on assets (ROA) | 0.8070% | 3,496 |
| Pretax return on assets | 0.8070% | 4,340 |
| Return on Equity (ROE) | 6.5813% | 3,913 |
| Retained earnings to average equity (ytd only) | 2.5420% | 4,777 |
| Net charge-offs to loans | 1.4912% | 161 |
| Credit loss provision to net charge-offs | 119.2010% | 1,923 |
| Earnings coverage of net charge-offs (x) | 2.3235% | 3,946 |
| Efficiency ratio | 67.5719% | 3,927 |
| Assets per employee ($millions) | 2.8691% | 5,890 |
| Cash dividends to net income (ytd only)* | 61.3753% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2439% | 283 |
| Loan loss allowance to noncurrent loans | 63.2653% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.6760% | 946 |
| Noncurrent loans to loans | 5.1275% | 346 |
| Net loans and leases to total assets | 43.5656% | 5,553 |
| Net loans and leases to deposits | 51.1566% | 5,577 |
| Net loans and leases to core deposits | 52.4831% | 5,658 |
| Total domestic deposits to total assets | 85.1614% | 3,277 |
| Equity capital to assets | 12.8145% | 1,515 |
| Core capital (leverage) ratio | 12.1051% | 1,635 |
| Tier 1 risk-based capital ratio | 24.8190% | 898 |
| Total risk-based capital ratio | 26.0897% | 882 |
| Memoranda: | ||
| Average total assets | $156,134,250 | 3,577 |
| Average earning assets | $145,822,250 | 3,543 |
| Average equity | $19,144,750 | 3,279 |
| Average total loans | $69,381,000 | 4,236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,115 |
| Cost of funding earning assets | 0.1587% | 6,206 |
| Net interest margin | 3.9987% | 1,805 |
| Noninterest income to average assets | 0.9953% | 1,215 |
| Noninterest expense to average assets | 3.1789% | 2,253 |
| Loan and lease loss provision to assets | 0.7985% | 154 |
| Net operating income to assets | 0.7526% | 3,553 |
| Return on assets (ROA) | 0.8369% | 3,235 |
| Pretax return on assets | 0.8369% | 4,134 |
| Return on Equity (ROE) | 6.9282% | 3,657 |
| Retained earnings to average equity (ytd only) | 1.8510% | 4,962 |
| Net charge-offs to loans | 0.1213% | 2,460 |
| Credit loss provision to net charge-offs | 1,488.0952% | 247 |
| Earnings coverage of net charge-offs (x) | 28.9048% | 1,290 |
| Efficiency ratio | 67.2069% | 4,158 |
| Assets per employee ($millions) | 2.8040% | 6,020 |
| Cash dividends to net income (ytd only)* | 73.2824% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8525% | 195 |
| Loan loss allowance to noncurrent loans | 80.1904% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3035% | 1,294 |
| Noncurrent loans to loans | 4.8042% | 434 |
| Net loans and leases to total assets | 42.8500% | 5,620 |
| Net loans and leases to deposits | 50.0618% | 5,632 |
| Net loans and leases to core deposits | 51.3356% | 5,712 |
| Total domestic deposits to total assets | 85.5944% | 3,247 |
| Equity capital to assets | 12.4747% | 1,663 |
| Core capital (leverage) ratio | 11.8309% | 1,768 |
| Tier 1 risk-based capital ratio | 24.8964% | 882 |
| Total risk-based capital ratio | 26.1746% | 870 |
| Memoranda: | ||
| Average total assets | $156,534,330 | 3,585 |
| Average earning assets | $146,196,000 | 3,559 |
| Average equity | $18,908,330 | 3,300 |
| Average total loans | $69,254,330 | 4,259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0710% | 3,393 |
| Cost of funding earning assets | 0.1643% | 6,271 |
| Net interest margin | 3.9068% | 2,063 |
| Noninterest income to average assets | 1.0135% | 1,104 |
| Noninterest expense to average assets | 3.1454% | 2,386 |
| Loan and lease loss provision to assets | 0.7038% | 171 |
| Net operating income to assets | 0.8164% | 3,069 |
| Return on assets (ROA) | 0.8164% | 3,142 |
| Pretax return on assets | 0.8164% | 4,046 |
| Return on Equity (ROE) | 6.8719% | 3,546 |
| Retained earnings to average equity (ytd only) | -0.2370% | 5,606 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4163% | 4,293 |
| Assets per employee ($millions) | 3.0309% | 5,811 |
| Cash dividends to net income (ytd only)* | 103.4483% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4777% | 273 |
| Loan loss allowance to noncurrent loans | 60.4404% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.7029% | 1,131 |
| Noncurrent loans to loans | 5.7539% | 334 |
| Net loans and leases to total assets | 42.0522% | 5,664 |
| Net loans and leases to deposits | 48.8149% | 5,684 |
| Net loans and leases to core deposits | 50.0434% | 5,758 |
| Total domestic deposits to total assets | 86.1461% | 3,282 |
| Equity capital to assets | 11.9574% | 1,898 |
| Core capital (leverage) ratio | 11.8656% | 1,725 |
| Tier 1 risk-based capital ratio | 23.8004% | 1,035 |
| Total risk-based capital ratio | 25.0731% | 1,010 |
| Memoranda: | ||
| Average total assets | $156,290,500 | 3,622 |
| Average earning assets | $146,105,000 | 3,587 |
| Average equity | $18,568,500 | 3,344 |
| Average total loans | $68,891,500 | 4,300 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 3,385 |
| Cost of funding earning assets | 0.2249% | 6,148 |
| Net interest margin | 3.9635% | 2,053 |
| Noninterest income to average assets | 1.0209% | 1,343 |
| Noninterest expense to average assets | 3.2982% | 2,156 |
| Loan and lease loss provision to assets | 0.5458% | 486 |
| Net operating income to assets | 0.8608% | 2,973 |
| Return on assets (ROA) | 0.8191% | 3,290 |
| Pretax return on assets | 0.8191% | 4,079 |
| Return on Equity (ROE) | 6.7549% | 3,697 |
| Retained earnings to average equity (ytd only) | 4.8452% | 2,702 |
| Net charge-offs to loans | 1.1762% | 457 |
| Credit loss provision to net charge-offs | 98.8024% | 2,512 |
| Earnings coverage of net charge-offs (x) | 2.5461% | 4,162 |
| Efficiency ratio | 70.1027% | 3,823 |
| Assets per employee ($millions) | 2.7674% | 6,150 |
| Cash dividends to net income (ytd only)* | 28.2714% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 438 |
| Loan loss allowance to noncurrent loans | 57.1544% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.6024% | 1,307 |
| Noncurrent loans to loans | 5.3489% | 434 |
| Net loans and leases to total assets | 43.2362% | 5,740 |
| Net loans and leases to deposits | 50.0893% | 5,762 |
| Net loans and leases to core deposits | 51.7166% | 5,815 |
| Total domestic deposits to total assets | 86.3182% | 3,104 |
| Equity capital to assets | 11.8028% | 1,948 |
| Core capital (leverage) ratio | 12.2573% | 1,466 |
| Tier 1 risk-based capital ratio | 24.0749% | 943 |
| Total risk-based capital ratio | 25.3434% | 932 |
| Memoranda: | ||
| Average total assets | $151,145,200 | 3,683 |
| Average earning assets | $140,481,600 | 3,658 |
| Average equity | $18,327,400 | 3,366 |
| Average total loans | $70,992,000 | 4,230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 3,206 |
| Cost of funding earning assets | 0.2419% | 6,141 |
| Net interest margin | 4.0071% | 1,919 |
| Noninterest income to average assets | 1.0396% | 1,345 |
| Noninterest expense to average assets | 3.3557% | 1,928 |
| Loan and lease loss provision to assets | 0.5327% | 502 |
| Net operating income to assets | 0.8718% | 2,983 |
| Return on assets (ROA) | 0.8718% | 3,091 |
| Pretax return on assets | 0.8718% | 4,002 |
| Return on Equity (ROE) | 7.1404% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.5955% | 3,400 |
| Net charge-offs to loans | 0.2780% | 2,159 |
| Credit loss provision to net charge-offs | 402.6846% | 661 |
| Earnings coverage of net charge-offs (x) | 10.6175% | 2,336 |
| Efficiency ratio | 70.4961% | 3,673 |
| Assets per employee ($millions) | 2.6430% | 6,337 |
| Cash dividends to net income (ytd only)* | 35.6419% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5583% | 320 |
| Loan loss allowance to noncurrent loans | 55.0374% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 3.3857% | 1,019 |
| Noncurrent loans to loans | 6.4653% | 353 |
| Net loans and leases to total assets | 47.1167% | 5,435 |
| Net loans and leases to deposits | 55.0863% | 5,450 |
| Net loans and leases to core deposits | 57.7380% | 5,472 |
| Total domestic deposits to total assets | 85.5324% | 3,477 |
| Equity capital to assets | 12.3697% | 1,655 |
| Core capital (leverage) ratio | 12.2891% | 1,526 |
| Tier 1 risk-based capital ratio | 23.9644% | 1,011 |
| Total risk-based capital ratio | 25.2409% | 989 |
| Memoranda: | ||
| Average total assets | $150,188,500 | 3,737 |
| Average earning assets | $139,449,500 | 3,707 |
| Average equity | $18,336,500 | 3,397 |
| Average total loans | $71,460,750 | 4,240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 3,353 |
| Cost of funding earning assets | 0.2652% | 6,075 |
| Net interest margin | 3.9386% | 2,080 |
| Noninterest income to average assets | 1.0138% | 1,494 |
| Noninterest expense to average assets | 3.3621% | 1,902 |
| Loan and lease loss provision to assets | 0.4970% | 550 |
| Net operating income to assets | 0.8150% | 3,218 |
| Return on assets (ROA) | 0.8150% | 3,373 |
| Pretax return on assets | 0.8150% | 4,255 |
| Return on Equity (ROE) | 6.7045% | 3,771 |
| Retained earnings to average equity (ytd only) | 2.8889% | 4,474 |
| Net charge-offs to loans | 0.4074% | 1,588 |
| Credit loss provision to net charge-offs | 258.6207% | 970 |
| Earnings coverage of net charge-offs (x) | 6.8276% | 2,642 |
| Efficiency ratio | 71.9308% | 3,481 |
| Assets per employee ($millions) | 2.6731% | 6,323 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2739% | 450 |
| Loan loss allowance to noncurrent loans | 61.5284% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8411% | 1,448 |
| Noncurrent loans to loans | 5.3209% | 584 |
| Net loans and leases to total assets | 46.4010% | 5,491 |
| Net loans and leases to deposits | 53.9789% | 5,523 |
| Net loans and leases to core deposits | 56.7576% | 5,543 |
| Total domestic deposits to total assets | 85.9615% | 3,390 |
| Equity capital to assets | 11.9276% | 1,959 |
| Core capital (leverage) ratio | 11.7366% | 1,776 |
| Tier 1 risk-based capital ratio | 22.0164% | 1,279 |
| Total risk-based capital ratio | 23.2867% | 1,253 |
| Memoranda: | ||
| Average total assets | $150,915,670 | 3,750 |
| Average earning assets | $140,253,330 | 3,717 |
| Average equity | $18,346,000 | 3,416 |
| Average total loans | $71,178,000 | 4,268 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,544 |
| Cost of funding earning assets | 0.2896% | 6,047 |
| Net interest margin | 3.8532% | 2,273 |
| Noninterest income to average assets | 1.0322% | 1,392 |
| Noninterest expense to average assets | 3.3816% | 1,871 |
| Loan and lease loss provision to assets | 0.7259% | 323 |
| Net operating income to assets | 0.5068% | 4,623 |
| Return on assets (ROA) | 0.5068% | 4,771 |
| Pretax return on assets | 0.5068% | 5,233 |
| Return on Equity (ROE) | 4.1309% | 5,027 |
| Retained earnings to average equity (ytd only) | -3.3994% | 6,222 |
| Net charge-offs to loans | 0.4064% | 1,439 |
| Credit loss provision to net charge-offs | 381.9444% | 659 |
| Earnings coverage of net charge-offs (x) | 6.4861% | 2,211 |
| Efficiency ratio | 73.2838% | 3,397 |
| Assets per employee ($millions) | 2.7460% | 6,353 |
| Cash dividends to net income (ytd only)* | 182.2917% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3510% | 475 |
| Loan loss allowance to noncurrent loans | 56.6212% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.9338% | 1,536 |
| Noncurrent loans to loans | 5.9182% | 565 |
| Net loans and leases to total assets | 44.4194% | 5,616 |
| Net loans and leases to deposits | 52.5040% | 5,573 |
| Net loans and leases to core deposits | 55.0665% | 5,597 |
| Total domestic deposits to total assets | 84.6018% | 4,223 |
| Equity capital to assets | 12.1558% | 1,933 |
| Core capital (leverage) ratio | 11.4190% | 1,933 |
| Tier 1 risk-based capital ratio | 20.7999% | 1,586 |
| Total risk-based capital ratio | 22.0681% | 1,553 |
| Memoranda: | ||
| Average total assets | $151,526,000 | 3,779 |
| Average earning assets | $140,869,000 | 3,753 |
| Average equity | $18,591,500 | 3,435 |
| Average total loans | $70,861,500 | 4,315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 2,254 |
| Cost of funding earning assets | 0.3487% | 6,223 |
| Net interest margin | 4.4357% | 1,073 |
| Noninterest income to average assets | 0.9929% | 1,554 |
| Noninterest expense to average assets | 3.3860% | 2,087 |
| Loan and lease loss provision to assets | 1.0977% | 347 |
| Net operating income to assets | 0.6268% | 4,103 |
| Return on assets (ROA) | 0.8019% | 3,530 |
| Pretax return on assets | 0.8019% | 4,286 |
| Return on Equity (ROE) | 6.4436% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.8194% | 4,252 |
| Net charge-offs to loans | 2.3085% | 285 |
| Credit loss provision to net charge-offs | 95.8309% | 3,240 |
| Earnings coverage of net charge-offs (x) | 1.5055% | 4,692 |
| Efficiency ratio | 66.2557% | 4,452 |
| Assets per employee ($millions) | 2.5337% | 6,588 |
| Cash dividends to net income (ytd only)* | 56.2448% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9346% | 707 |
| Loan loss allowance to noncurrent loans | 54.7472% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 1,778 |
| Noncurrent loans to loans | 5.3603% | 705 |
| Net loans and leases to total assets | 46.1699% | 5,594 |
| Net loans and leases to deposits | 54.6559% | 5,591 |
| Net loans and leases to core deposits | 57.2039% | 5,617 |
| Total domestic deposits to total assets | 84.4739% | 4,091 |
| Equity capital to assets | 12.3825% | 1,801 |
| Core capital (leverage) ratio | 11.6908% | 1,742 |
| Tier 1 risk-based capital ratio | 20.9326% | 1,480 |
| Total risk-based capital ratio | 22.1987% | 1,449 |
| Memoranda: | ||
| Average total assets | $150,768,800 | 3,762 |
| Average earning assets | $139,954,000 | 3,727 |
| Average equity | $18,762,800 | 3,362 |
| Average total loans | $74,810,400 | 4,185 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 2,180 |
| Cost of funding earning assets | 0.3571% | 6,348 |
| Net interest margin | 4.4964% | 996 |
| Noninterest income to average assets | 1.0014% | 1,496 |
| Noninterest expense to average assets | 3.3781% | 2,063 |
| Loan and lease loss provision to assets | 1.1121% | 344 |
| Net operating income to assets | 0.6841% | 3,986 |
| Return on assets (ROA) | 0.8897% | 3,272 |
| Pretax return on assets | 0.8897% | 4,155 |
| Return on Equity (ROE) | 7.1403% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.3043% | 5,183 |
| Net charge-offs to loans | 3.0736% | 173 |
| Credit loss provision to net charge-offs | 72.1679% | 3,846 |
| Earnings coverage of net charge-offs (x) | 1.1656% | 4,719 |
| Efficiency ratio | 65.2852% | 4,575 |
| Assets per employee ($millions) | 2.4793% | 6,712 |
| Cash dividends to net income (ytd only)* | 67.7289% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3073% | 1,502 |
| Loan loss allowance to noncurrent loans | 38.8019% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 3.2281% | 1,594 |
| Noncurrent loans to loans | 5.9463% | 689 |
| Net loans and leases to total assets | 48.6720% | 5,469 |
| Net loans and leases to deposits | 57.9266% | 5,439 |
| Net loans and leases to core deposits | 61.0821% | 5,448 |
| Total domestic deposits to total assets | 84.0236% | 4,210 |
| Equity capital to assets | 12.6965% | 1,769 |
| Core capital (leverage) ratio | 11.4376% | 2,031 |
| Tier 1 risk-based capital ratio | 20.2579% | 1,694 |
| Total risk-based capital ratio | 21.5173% | 1,662 |
| Memoranda: | ||
| Average total assets | $150,455,750 | 3,813 |
| Average earning assets | $139,632,750 | 3,771 |
| Average equity | $18,747,500 | 3,399 |
| Average total loans | $75,435,500 | 4,217 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 2,332 |
| Cost of funding earning assets | 0.3598% | 6,469 |
| Net interest margin | 4.4828% | 1,023 |
| Noninterest income to average assets | 0.8595% | 1,933 |
| Noninterest expense to average assets | 3.3346% | 2,204 |
| Loan and lease loss provision to assets | 1.0992% | 390 |
| Net operating income to assets | 0.5840% | 4,433 |
| Return on assets (ROA) | 0.8899% | 3,221 |
| Pretax return on assets | 0.8899% | 4,119 |
| Return on Equity (ROE) | 7.1868% | 3,675 |
| Retained earnings to average equity (ytd only) | 3.1228% | 4,548 |
| Net charge-offs to loans | -0.2478% | 7,041 |
| Credit loss provision to net charge-offs | -882.9787% | 6,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4555% | 4,446 |
| Assets per employee ($millions) | 2.5646% | 6,701 |
| Cash dividends to net income (ytd only)* | 56.5476% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1506% | 315 |
| Loan loss allowance to noncurrent loans | 328.5564% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 4,774 |
| Noncurrent loans to loans | 1.2633% | 4,025 |
| Net loans and leases to total assets | 46.7935% | 5,745 |
| Net loans and leases to deposits | 55.2815% | 5,733 |
| Net loans and leases to core deposits | 59.9341% | 5,596 |
| Total domestic deposits to total assets | 84.6459% | 4,035 |
| Equity capital to assets | 12.1931% | 2,007 |
| Core capital (leverage) ratio | 11.4135% | 1,963 |
| Tier 1 risk-based capital ratio | 20.4339% | 1,597 |
| Total risk-based capital ratio | 21.7136% | 1,565 |
| Memoranda: | ||
| Average total assets | $151,022,000 | 3,820 |
| Average earning assets | $140,090,000 | 3,785 |
| Average equity | $18,701,000 | 3,397 |
| Average total loans | $75,876,330 | 4,228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 2,019 |
| Cost of funding earning assets | 0.3664% | 6,565 |
| Net interest margin | 4.5986% | 828 |
| Noninterest income to average assets | 0.8423% | 1,975 |
| Noninterest expense to average assets | 3.2274% | 2,513 |
| Loan and lease loss provision to assets | 1.4172% | 253 |
| Net operating income to assets | 0.4599% | 4,991 |
| Return on assets (ROA) | 1.0776% | 2,363 |
| Pretax return on assets | 1.0776% | 3,406 |
| Return on Equity (ROE) | 8.6339% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.2779% | 4,603 |
| Net charge-offs to loans | 0.0420% | 4,112 |
| Credit loss provision to net charge-offs | 6,625.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 87.7500% | 386 |
| Efficiency ratio | 63.2268% | 5,064 |
| Assets per employee ($millions) | 2.7271% | 6,599 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6190% | 493 |
| Loan loss allowance to noncurrent loans | 209.4063% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 3,809 |
| Noncurrent loans to loans | 1.7282% | 3,519 |
| Net loans and leases to total assets | 47.3628% | 5,636 |
| Net loans and leases to deposits | 56.0778% | 5,593 |
| Net loans and leases to core deposits | 61.3451% | 5,399 |
| Total domestic deposits to total assets | 84.4590% | 4,294 |
| Equity capital to assets | 12.1897% | 1,923 |
| Core capital (leverage) ratio | 11.4963% | 1,896 |
| Tier 1 risk-based capital ratio | 20.0766% | 1,693 |
| Total risk-based capital ratio | 21.3498% | 1,660 |
| Memoranda: | ||
| Average total assets | $149,596,000 | 3,878 |
| Average earning assets | $138,652,000 | 3,842 |
| Average equity | $18,670,500 | 3,395 |
| Average total loans | $76,254,000 | 4,234 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7036% | 776 |
| Cost of funding earning assets | 0.4979% | 6,543 |
| Net interest margin | 5.2057% | 282 |
| Noninterest income to average assets | 0.8931% | 1,694 |
| Noninterest expense to average assets | 3.7299% | 1,479 |
| Loan and lease loss provision to assets | 0.4326% | 2,437 |
| Net operating income to assets | 1.5449% | 749 |
| Return on assets (ROA) | 1.5449% | 813 |
| Pretax return on assets | 1.5449% | 1,355 |
| Return on Equity (ROE) | 12.0324% | 1,398 |
| Retained earnings to average equity (ytd only) | 4.0946% | 3,277 |
| Net charge-offs to loans | 0.3709% | 3,552 |
| Credit loss provision to net charge-offs | 209.2199% | 1,182 |
| Earnings coverage of net charge-offs (x) | 9.5638% | 1,961 |
| Efficiency ratio | 65.3520% | 4,893 |
| Assets per employee ($millions) | 2.6631% | 6,654 |
| Cash dividends to net income (ytd only)* | 65.9706% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8324% | 945 |
| Loan loss allowance to noncurrent loans | 621.5297% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 5,039 |
| Noncurrent loans to loans | 0.4557% | 5,797 |
| Net loans and leases to total assets | 51.3856% | 5,404 |
| Net loans and leases to deposits | 61.1998% | 5,349 |
| Net loans and leases to core deposits | 67.1251% | 5,149 |
| Total domestic deposits to total assets | 83.9636% | 4,329 |
| Equity capital to assets | 12.7839% | 1,611 |
| Core capital (leverage) ratio | 11.9901% | 1,600 |
| Tier 1 risk-based capital ratio | 19.4324% | 1,787 |
| Total risk-based capital ratio | 20.6973% | 1,749 |
| Memoranda: | ||
| Average total assets | $136,385,000 | 4,042 |
| Average earning assets | $126,130,200 | 4,011 |
| Average equity | $17,511,000 | 3,502 |
| Average total loans | $76,022,200 | 4,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 787 |
| Cost of funding earning assets | 0.5327% | 6,569 |
| Net interest margin | 5.2088% | 282 |
| Noninterest income to average assets | 0.8994% | 1,655 |
| Noninterest expense to average assets | 3.7879% | 1,318 |
| Loan and lease loss provision to assets | 0.2888% | 3,202 |
| Net operating income to assets | 1.6434% | 715 |
| Return on assets (ROA) | 1.6434% | 780 |
| Pretax return on assets | 1.6434% | 1,273 |
| Return on Equity (ROE) | 12.7848% | 1,335 |
| Retained earnings to average equity (ytd only) | 4.7265% | 3,361 |
| Net charge-offs to loans | 0.5022% | 2,751 |
| Credit loss provision to net charge-offs | 101.7544% | 3,292 |
| Earnings coverage of net charge-offs (x) | 6.8070% | 2,481 |
| Efficiency ratio | 66.2197% | 4,682 |
| Assets per employee ($millions) | 2.5954% | 6,787 |
| Cash dividends to net income (ytd only)* | 63.0301% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3864% | 1,553 |
| Loan loss allowance to noncurrent loans | 331.7544% | 959 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 4,720 |
| Noncurrent loans to loans | 0.7193% | 5,439 |
| Net loans and leases to total assets | 56.2317% | 4,809 |
| Net loans and leases to deposits | 67.3578% | 4,714 |
| Net loans and leases to core deposits | 74.5784% | 4,369 |
| Total domestic deposits to total assets | 83.4821% | 4,487 |
| Equity capital to assets | 12.8553% | 1,682 |
| Core capital (leverage) ratio | 12.5782% | 1,398 |
| Tier 1 risk-based capital ratio | 19.2907% | 1,859 |
| Total risk-based capital ratio | 20.5521% | 1,823 |
| Memoranda: | ||
| Average total assets | $133,863,000 | 4,116 |
| Average earning assets | $123,889,500 | 4,085 |
| Average equity | $17,207,500 | 3,551 |
| Average total loans | $75,662,750 | 4,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 887 |
| Cost of funding earning assets | 0.5742% | 6,565 |
| Net interest margin | 5.1189% | 322 |
| Noninterest income to average assets | 0.8414% | 1,830 |
| Noninterest expense to average assets | 3.7668% | 1,405 |
| Loan and lease loss provision to assets | 0.2563% | 3,349 |
| Net operating income to assets | 1.5637% | 784 |
| Return on assets (ROA) | 1.5637% | 836 |
| Pretax return on assets | 1.5637% | 1,347 |
| Return on Equity (ROE) | 12.1649% | 1,448 |
| Retained earnings to average equity (ytd only) | 3.3668% | 4,121 |
| Net charge-offs to loans | -0.0081% | 6,643 |
| Credit loss provision to net charge-offs | -5,666.6667% | 6,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4224% | 4,622 |
| Assets per employee ($millions) | 2.3884% | 7,036 |
| Cash dividends to net income (ytd only)* | 72.3240% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 1,223 |
| Loan loss allowance to noncurrent loans | 145.6153% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2838% | 4,330 |
| Noncurrent loans to loans | 1.8278% | 3,716 |
| Net loans and leases to total assets | 56.2999% | 4,940 |
| Net loans and leases to deposits | 67.5445% | 4,778 |
| Net loans and leases to core deposits | 74.5988% | 4,495 |
| Total domestic deposits to total assets | 83.3523% | 4,610 |
| Equity capital to assets | 13.0342% | 1,502 |
| Core capital (leverage) ratio | 12.2104% | 1,498 |
| Tier 1 risk-based capital ratio | 19.2230% | 1,781 |
| Total risk-based capital ratio | 20.4869% | 1,745 |
| Memoranda: | ||
| Average total assets | $132,632,670 | 4,171 |
| Average earning assets | $122,955,670 | 4,126 |
| Average equity | $17,049,000 | 3,560 |
| Average total loans | $74,470,330 | 4,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 1,166 |
| Cost of funding earning assets | 0.5866% | 6,661 |
| Net interest margin | 4.9669% | 405 |
| Noninterest income to average assets | 0.8329% | 1,913 |
| Noninterest expense to average assets | 3.7736% | 1,382 |
| Loan and lease loss provision to assets | 0.2726% | 2,973 |
| Net operating income to assets | 1.4022% | 1,059 |
| Return on assets (ROA) | 1.4022% | 1,100 |
| Pretax return on assets | 1.4022% | 1,719 |
| Return on Equity (ROE) | 10.9865% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.8678% | 3,847 |
| Net charge-offs to loans | -0.0274% | 6,679 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2607% | 4,421 |
| Assets per employee ($millions) | 2.4075% | 7,096 |
| Cash dividends to net income (ytd only)* | 64.7948% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7044% | 1,202 |
| Loan loss allowance to noncurrent loans | 119.3373% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 4,079 |
| Noncurrent loans to loans | 2.2662% | 3,235 |
| Net loans and leases to total assets | 52.8635% | 5,474 |
| Net loans and leases to deposits | 64.1899% | 5,227 |
| Net loans and leases to core deposits | 70.8400% | 4,947 |
| Total domestic deposits to total assets | 82.3549% | 5,165 |
| Equity capital to assets | 12.5999% | 1,571 |
| Core capital (leverage) ratio | 12.4424% | 1,352 |
| Tier 1 risk-based capital ratio | 19.6241% | 1,670 |
| Total risk-based capital ratio | 20.8873% | 1,638 |
| Memoranda: | ||
| Average total assets | $132,075,000 | 4,209 |
| Average earning assets | $122,731,500 | 4,167 |
| Average equity | $16,857,000 | 3,583 |
| Average total loans | $73,026,000 | 4,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9920% | 861 |
| Cost of funding earning assets | 0.7579% | 6,707 |
| Net interest margin | 5.2341% | 269 |
| Noninterest income to average assets | 0.7279% | 2,661 |
| Noninterest expense to average assets | 3.8239% | 1,445 |
| Loan and lease loss provision to assets | 0.3466% | 4,050 |
| Net operating income to assets | 1.4114% | 925 |
| Return on assets (ROA) | 1.4912% | 840 |
| Pretax return on assets | 1.4912% | 1,402 |
| Return on Equity (ROE) | 11.6187% | 1,416 |
| Retained earnings to average equity (ytd only) | 4.8233% | 2,526 |
| Net charge-offs to loans | 0.0599% | 6,197 |
| Credit loss provision to net charge-offs | 977.2727% | 228 |
| Earnings coverage of net charge-offs (x) | 49.5682% | 473 |
| Efficiency ratio | 68.5054% | 4,453 |
| Assets per employee ($millions) | 2.2298% | 7,280 |
| Cash dividends to net income (ytd only)* | 58.4865% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5906% | 1,299 |
| Loan loss allowance to noncurrent loans | 145.0769% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 4,538 |
| Noncurrent loans to loans | 1.7857% | 3,836 |
| Net loans and leases to total assets | 54.8322% | 5,521 |
| Net loans and leases to deposits | 66.9376% | 5,264 |
| Net loans and leases to core deposits | 74.2332% | 4,948 |
| Total domestic deposits to total assets | 81.9154% | 5,212 |
| Equity capital to assets | 12.9335% | 1,422 |
| Core capital (leverage) ratio | 12.8163% | 1,191 |
| Tier 1 risk-based capital ratio | 20.3055% | 1,434 |
| Total risk-based capital ratio | 21.5688% | 1,411 |
| Memoranda: | ||
| Average total assets | $124,062,800 | 4,398 |
| Average earning assets | $115,053,400 | 4,343 |
| Average equity | $15,922,600 | 3,784 |
| Average total loans | $73,478,000 | 4,548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0466% | 849 |
| Cost of funding earning assets | 0.8071% | 6,742 |
| Net interest margin | 5.2396% | 268 |
| Noninterest income to average assets | 0.7571% | 2,469 |
| Noninterest expense to average assets | 3.8355% | 1,309 |
| Loan and lease loss provision to assets | 0.2281% | 4,790 |
| Net operating income to assets | 1.5522% | 824 |
| Return on assets (ROA) | 1.6587% | 728 |
| Pretax return on assets | 1.6587% | 1,191 |
| Return on Equity (ROE) | 12.9501% | 1,263 |
| Retained earnings to average equity (ytd only) | 5.8941% | 2,419 |
| Net charge-offs to loans | 0.0308% | 6,253 |
| Credit loss provision to net charge-offs | 1,235.2941% | 243 |
| Earnings coverage of net charge-offs (x) | 96.3952% | 321 |
| Efficiency ratio | 68.2979% | 4,408 |
| Assets per employee ($millions) | 2.3212% | 7,293 |
| Cash dividends to net income (ytd only)* | 54.4861% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3050% | 1,623 |
| Loan loss allowance to noncurrent loans | 147.6440% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 4,625 |
| Noncurrent loans to loans | 1.5612% | 4,299 |
| Net loans and leases to total assets | 57.2145% | 5,377 |
| Net loans and leases to deposits | 70.5655% | 5,073 |
| Net loans and leases to core deposits | 78.6418% | 4,722 |
| Total domestic deposits to total assets | 81.0801% | 5,332 |
| Equity capital to assets | 13.3505% | 1,423 |
| Core capital (leverage) ratio | 13.0803% | 1,198 |
| Tier 1 risk-based capital ratio | 20.6141% | 1,422 |
| Total risk-based capital ratio | 21.8745% | 1,405 |
| Memoranda: | ||
| Average total assets | $122,745,750 | 4,483 |
| Average earning assets | $113,823,500 | 4,433 |
| Average equity | $15,721,500 | 3,856 |
| Average total loans | $73,647,250 | 4,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0655% | 818 |
| Cost of funding earning assets | 0.8685% | 6,698 |
| Net interest margin | 5.1970% | 284 |
| Noninterest income to average assets | 0.7122% | 2,636 |
| Noninterest expense to average assets | 3.7283% | 1,502 |
| Loan and lease loss provision to assets | 0.2790% | 4,167 |
| Net operating income to assets | 1.5261% | 861 |
| Return on assets (ROA) | 1.6869% | 649 |
| Pretax return on assets | 1.6869% | 1,075 |
| Return on Equity (ROE) | 13.3645% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.4483% | 2,102 |
| Net charge-offs to loans | -0.0109% | 7,203 |
| Credit loss provision to net charge-offs | -4,250.0000% | 7,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3784% | 4,696 |
| Assets per employee ($millions) | 2.3683% | 7,269 |
| Cash dividends to net income (ytd only)* | 51.7510% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2963% | 1,589 |
| Loan loss allowance to noncurrent loans | 117.4035% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 4,170 |
| Noncurrent loans to loans | 1.9559% | 3,779 |
| Net loans and leases to total assets | 57.8022% | 5,445 |
| Net loans and leases to deposits | 71.5158% | 5,069 |
| Net loans and leases to core deposits | 79.6242% | 4,729 |
| Total domestic deposits to total assets | 80.8244% | 5,464 |
| Equity capital to assets | 13.5443% | 1,326 |
| Core capital (leverage) ratio | 13.0654% | 1,184 |
| Tier 1 risk-based capital ratio | 21.2966% | 1,299 |
| Total risk-based capital ratio | 22.5581% | 1,265 |
| Memoranda: | ||
| Average total assets | $121,879,670 | 4,530 |
| Average earning assets | $113,065,670 | 4,475 |
| Average equity | $15,384,000 | 3,915 |
| Average total loans | $73,727,330 | 4,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0896% | 794 |
| Cost of funding earning assets | 0.8948% | 6,788 |
| Net interest margin | 5.1948% | 294 |
| Noninterest income to average assets | 0.6730% | 2,788 |
| Noninterest expense to average assets | 3.4971% | 1,989 |
| Loan and lease loss provision to assets | 0.3299% | 3,419 |
| Net operating income to assets | 1.6727% | 651 |
| Return on assets (ROA) | 1.6727% | 700 |
| Pretax return on assets | 1.6727% | 1,110 |
| Return on Equity (ROE) | 13.7622% | 1,097 |
| Retained earnings to average equity (ytd only) | 2.8502% | 4,417 |
| Net charge-offs to loans | -0.0593% | 7,393 |
| Credit loss provision to net charge-offs | -909.0909% | 6,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5873% | 5,569 |
| Assets per employee ($millions) | 2.5982% | 7,040 |
| Cash dividends to net income (ytd only)* | 79.2899% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,780 |
| Loan loss allowance to noncurrent loans | 94.9882% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7852% | 3,809 |
| Noncurrent loans to loans | 2.3027% | 3,383 |
| Net loans and leases to total assets | 58.9960% | 5,287 |
| Net loans and leases to deposits | 72.8222% | 4,941 |
| Net loans and leases to core deposits | 80.1136% | 4,750 |
| Total domestic deposits to total assets | 81.0138% | 5,456 |
| Equity capital to assets | 13.4128% | 1,358 |
| Core capital (leverage) ratio | 13.0258% | 1,207 |
| Tier 1 risk-based capital ratio | 19.5999% | 1,604 |
| Total risk-based capital ratio | 20.8593% | 1,567 |
| Memoranda: | ||
| Average total assets | $121,244,000 | 4,598 |
| Average earning assets | $112,652,000 | 4,549 |
| Average equity | $14,736,000 | 4,072 |
| Average total loans | $74,162,500 | 4,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4183% | 795 |
| Cost of funding earning assets | 1.1697% | 6,767 |
| Net interest margin | 5.2486% | 265 |
| Noninterest income to average assets | 0.6959% | 3,005 |
| Noninterest expense to average assets | 3.6481% | 2,037 |
| Loan and lease loss provision to assets | 0.4770% | 3,973 |
| Net operating income to assets | 1.4744% | 706 |
| Return on assets (ROA) | 1.5374% | 663 |
| Pretax return on assets | 1.5374% | 1,105 |
| Return on Equity (ROE) | 14.4234% | 722 |
| Retained earnings to average equity (ytd only) | 6.3127% | 1,224 |
| Net charge-offs to loans | 0.4759% | 3,876 |
| Credit loss provision to net charge-offs | 163.7427% | 2,675 |
| Earnings coverage of net charge-offs (x) | 6.6988% | 2,309 |
| Efficiency ratio | 65.1506% | 5,559 |
| Assets per employee ($millions) | 2.4566% | 7,272 |
| Cash dividends to net income (ytd only)* | 56.2327% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 2,003 |
| Loan loss allowance to noncurrent loans | 134.9235% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 4,075 |
| Noncurrent loans to loans | 1.4879% | 4,437 |
| Net loans and leases to total assets | 60.7877% | 5,221 |
| Net loans and leases to deposits | 72.7240% | 5,233 |
| Net loans and leases to core deposits | 86.1384% | 5,507 |
| Total domestic deposits to total assets | 83.5869% | 4,240 |
| Equity capital to assets | 10.8770% | 2,796 |
| Core capital (leverage) ratio | 10.3462% | 2,744 |
| Tier 1 risk-based capital ratio | 15.3884% | 2,761 |
| Total risk-based capital ratio | 16.6458% | 2,717 |
| Memoranda: | ||
| Average total assets | $117,403,200 | 4,651 |
| Average earning assets | $109,686,200 | 4,575 |
| Average equity | $12,514,400 | 4,630 |
| Average total loans | $71,857,400 | 4,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4201% | 887 |
| Cost of funding earning assets | 1.2227% | 6,830 |
| Net interest margin | 5.1974% | 303 |
| Noninterest income to average assets | 0.7612% | 2,645 |
| Noninterest expense to average assets | 3.7715% | 1,654 |
| Loan and lease loss provision to assets | 0.3371% | 4,311 |
| Net operating income to assets | 1.5155% | 784 |
| Return on assets (ROA) | 1.6000% | 717 |
| Pretax return on assets | 1.6000% | 1,174 |
| Return on Equity (ROE) | 15.0902% | 762 |
| Retained earnings to average equity (ytd only) | 6.8445% | 1,573 |
| Net charge-offs to loans | 0.6109% | 2,843 |
| Credit loss provision to net charge-offs | 90.4908% | 5,472 |
| Earnings coverage of net charge-offs (x) | 4.9723% | 2,958 |
| Efficiency ratio | 67.0595% | 5,170 |
| Assets per employee ($millions) | 2.4537% | 7,299 |
| Cash dividends to net income (ytd only)* | 54.6426% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 2,645 |
| Loan loss allowance to noncurrent loans | 159.6424% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 4,308 |
| Noncurrent loans to loans | 1.0627% | 5,190 |
| Net loans and leases to total assets | 61.5006% | 5,325 |
| Net loans and leases to deposits | 74.3459% | 5,322 |
| Net loans and leases to core deposits | 93.0083% | 5,136 |
| Total domestic deposits to total assets | 82.7223% | 4,353 |
| Equity capital to assets | 11.0048% | 2,997 |
| Core capital (leverage) ratio | 10.3343% | 2,942 |
| Tier 1 risk-based capital ratio | 15.3379% | 2,900 |
| Total risk-based capital ratio | 16.5845% | 2,840 |
| Memoranda: | ||
| Average total assets | $116,660,750 | 4,682 |
| Average earning assets | $109,153,750 | 4,617 |
| Average equity | $12,369,750 | 4,690 |
| Average total loans | $71,154,000 | 4,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3595% | 1,081 |
| Cost of funding earning assets | 1.2583% | 6,932 |
| Net interest margin | 5.1012% | 355 |
| Noninterest income to average assets | 0.7395% | 2,764 |
| Noninterest expense to average assets | 3.7424% | 1,756 |
| Loan and lease loss provision to assets | 0.2064% | 4,987 |
| Net operating income to assets | 1.5737% | 721 |
| Return on assets (ROA) | 1.7027% | 613 |
| Pretax return on assets | 1.7027% | 1,011 |
| Return on Equity (ROE) | 16.2659% | 662 |
| Retained earnings to average equity (ytd only) | 7.8044% | 1,275 |
| Net charge-offs to loans | 0.2901% | 3,741 |
| Credit loss provision to net charge-offs | 117.6471% | 3,950 |
| Earnings coverage of net charge-offs (x) | 10.1471% | 2,025 |
| Efficiency ratio | 67.7671% | 5,195 |
| Assets per employee ($millions) | 2.1596% | 7,717 |
| Cash dividends to net income (ytd only)* | 52.0202% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 1,964 |
| Loan loss allowance to noncurrent loans | 58.7173% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.0037% | 3,193 |
| Noncurrent loans to loans | 3.1175% | 2,295 |
| Net loans and leases to total assets | 58.6961% | 5,875 |
| Net loans and leases to deposits | 70.2632% | 5,963 |
| Net loans and leases to core deposits | 88.2808% | 5,696 |
| Total domestic deposits to total assets | 83.5374% | 3,996 |
| Equity capital to assets | 10.5499% | 3,342 |
| Core capital (leverage) ratio | 10.5207% | 2,793 |
| Tier 1 risk-based capital ratio | 15.6397% | 2,752 |
| Total risk-based capital ratio | 16.8943% | 2,683 |
| Memoranda: | ||
| Average total assets | $116,289,000 | 4,721 |
| Average earning assets | $109,033,330 | 4,655 |
| Average equity | $12,172,670 | 4,767 |
| Average total loans | $70,311,000 | 4,947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3012% | 1,294 |
| Cost of funding earning assets | 1.3410% | 6,902 |
| Net interest margin | 4.9602% | 446 |
| Noninterest income to average assets | 0.7128% | 2,808 |
| Noninterest expense to average assets | 3.7794% | 1,507 |
| Loan and lease loss provision to assets | 0.2086% | 4,354 |
| Net operating income to assets | 1.3803% | 1,182 |
| Return on assets (ROA) | 1.3803% | 1,275 |
| Pretax return on assets | 1.3803% | 2,025 |
| Return on Equity (ROE) | 13.2405% | 1,323 |
| Retained earnings to average equity (ytd only) | -0.6003% | 5,788 |
| Net charge-offs to loans | 0.5489% | 2,084 |
| Credit loss provision to net charge-offs | 62.5000% | 4,474 |
| Earnings coverage of net charge-offs (x) | 4.7604% | 2,816 |
| Efficiency ratio | 70.4016% | 4,495 |
| Assets per employee ($millions) | 2.4306% | 7,410 |
| Cash dividends to net income (ytd only)* | 104.5340% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 1,765 |
| Loan loss allowance to noncurrent loans | 68.4992% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.6954% | 3,382 |
| Noncurrent loans to loans | 2.6831% | 2,450 |
| Net loans and leases to total assets | 57.0418% | 6,093 |
| Net loans and leases to deposits | 68.0968% | 6,179 |
| Net loans and leases to core deposits | 86.7597% | 5,848 |
| Total domestic deposits to total assets | 83.7658% | 3,818 |
| Equity capital to assets | 10.2977% | 3,657 |
| Core capital (leverage) ratio | 10.0997% | 3,290 |
| Tier 1 risk-based capital ratio | 15.5283% | 2,842 |
| Total risk-based capital ratio | 16.7827% | 2,775 |
| Memoranda: | ||
| Average total assets | $115,044,500 | 4,775 |
| Average earning assets | $107,979,500 | 4,688 |
| Average equity | $11,993,500 | 4,835 |
| Average total loans | $69,957,500 | 4,984 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2234% | 699 |
| Cost of funding earning assets | 1.7393% | 7,164 |
| Net interest margin | 5.4841% | 213 |
| Noninterest income to average assets | 0.8456% | 2,257 |
| Noninterest expense to average assets | 3.6017% | 2,138 |
| Loan and lease loss provision to assets | 0.2317% | 4,577 |
| Net operating income to assets | 2.1733% | 254 |
| Return on assets (ROA) | 2.1697% | 251 |
| Pretax return on assets | 2.1697% | 427 |
| Return on Equity (ROE) | 21.4500% | 280 |
| Retained earnings to average equity (ytd only) | 6.9151% | 1,184 |
| Net charge-offs to loans | 0.1381% | 4,841 |
| Credit loss provision to net charge-offs | 257.4257% | 1,801 |
| Earnings coverage of net charge-offs (x) | 26.7228% | 1,271 |
| Efficiency ratio | 59.9614% | 6,346 |
| Assets per employee ($millions) | 2.4132% | 7,378 |
| Cash dividends to net income (ytd only)* | 67.7618% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 1,684 |
| Loan loss allowance to noncurrent loans | 90.8575% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 3,704 |
| Noncurrent loans to loans | 1.9565% | 2,818 |
| Net loans and leases to total assets | 62.4553% | 5,547 |
| Net loans and leases to deposits | 74.7867% | 5,764 |
| Net loans and leases to core deposits | 93.3123% | 5,518 |
| Total domestic deposits to total assets | 83.5111% | 3,569 |
| Equity capital to assets | 10.5562% | 3,436 |
| Core capital (leverage) ratio | 10.5288% | 2,954 |
| Tier 1 risk-based capital ratio | 15.7865% | 2,748 |
| Total risk-based capital ratio | 17.0423% | 2,688 |
| Memoranda: | ||
| Average total assets | $112,226,000 | 4,719 |
| Average earning assets | $105,614,600 | 4,623 |
| Average equity | $11,352,000 | 5,023 |
| Average total loans | $73,138,400 | 4,769 |