Home > Western States Bank > Performance and Condition Ratios
Western States Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 1,466 |
| Cost of funding earning assets | 0.2769% | 2,631 |
| Net interest margin | 3.6805% | 1,265 |
| Noninterest income to average assets | 0.3714% | 3,208 |
| Noninterest expense to average assets | 2.8147% | 1,325 |
| Loan and lease loss provision to assets | 0.0234% | 2,600 |
| Net operating income to assets | 0.8285% | 3,241 |
| Return on assets (ROA) | 0.8285% | 3,317 |
| Pretax return on assets | 0.9880% | 3,292 |
| Return on Equity (ROE) | 8.3329% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.8987% | 2,825 |
| Net charge-offs to loans | 0.0429% | 1,419 |
| Credit loss provision to net charge-offs | 81.6993% | 1,944 |
| Earnings coverage of net charge-offs (x) | 35.2745% | 1,501 |
| Efficiency ratio | 73.5649% | 1,358 |
| Assets per employee ($millions) | 5.5765% | 3,187 |
| Cash dividends to net income (ytd only)* | 41.2124% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 829 |
| Loan loss allowance to noncurrent loans | 208.9513% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 1,158 |
| Noncurrent loans to loans | 0.8718% | 1,168 |
| Net loans and leases to total assets | 64.3945% | 1,656 |
| Net loans and leases to deposits | 71.7010% | 1,941 |
| Net loans and leases to core deposits | 76.0618% | 1,916 |
| Total domestic deposits to total assets | 89.8098% | 1,061 |
| Equity capital to assets | 9.9616% | 2,688 |
| Core capital (leverage) ratio | 9.6142% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,586,800 | 1,613 |
| Average earning assets | $500,861,400 | 1,605 |
| Average equity | $53,055,000 | 1,678 |
| Average total loans | $356,879,000 | 1,501 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 1,414 |
| Cost of funding earning assets | 0.2878% | 2,711 |
| Net interest margin | 3.7673% | 1,193 |
| Noninterest income to average assets | 0.3811% | 3,205 |
| Noninterest expense to average assets | 2.5923% | 1,863 |
| Loan and lease loss provision to assets | 0.0313% | 2,370 |
| Net operating income to assets | 1.0611% | 2,687 |
| Return on assets (ROA) | 1.0611% | 2,756 |
| Pretax return on assets | 1.2862% | 2,657 |
| Return on Equity (ROE) | 10.6767% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.9666% | 2,064 |
| Net charge-offs to loans | 0.0205% | 1,641 |
| Credit loss provision to net charge-offs | 227.2727% | 1,151 |
| Earnings coverage of net charge-offs (x) | 95.7818% | 892 |
| Efficiency ratio | 66.3042% | 2,062 |
| Assets per employee ($millions) | 5.2605% | 3,445 |
| Cash dividends to net income (ytd only)* | 25.3830% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 754 |
| Loan loss allowance to noncurrent loans | 182.9296% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 1,150 |
| Noncurrent loans to loans | 1.0433% | 1,086 |
| Net loans and leases to total assets | 61.6004% | 2,063 |
| Net loans and leases to deposits | 68.6459% | 2,378 |
| Net loans and leases to core deposits | 73.1684% | 2,305 |
| Total domestic deposits to total assets | 89.7365% | 902 |
| Equity capital to assets | 10.0238% | 2,879 |
| Core capital (leverage) ratio | 9.8582% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,146,750 | 1,628 |
| Average earning assets | $499,368,750 | 1,617 |
| Average equity | $52,986,500 | 1,702 |
| Average total loans | $358,316,250 | 1,522 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 1,001 |
| Cost of funding earning assets | 0.3102% | 2,673 |
| Net interest margin | 3.9939% | 832 |
| Noninterest income to average assets | 0.3300% | 3,451 |
| Noninterest expense to average assets | 2.6116% | 1,824 |
| Loan and lease loss provision to assets | 0.0471% | 2,079 |
| Net operating income to assets | 1.1576% | 2,344 |
| Return on assets (ROA) | 1.1576% | 2,403 |
| Pretax return on assets | 1.4057% | 2,321 |
| Return on Equity (ROE) | 11.6815% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.5043% | 1,552 |
| Net charge-offs to loans | 0.0154% | 1,640 |
| Credit loss provision to net charge-offs | 446.4286% | 718 |
| Earnings coverage of net charge-offs (x) | 137.5714% | 620 |
| Efficiency ratio | 64.2539% | 2,393 |
| Assets per employee ($millions) | 5.2699% | 3,387 |
| Cash dividends to net income (ytd only)* | 18.6380% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 835 |
| Loan loss allowance to noncurrent loans | 270.8056% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 1,447 |
| Noncurrent loans to loans | 0.6776% | 1,730 |
| Net loans and leases to total assets | 65.5460% | 1,750 |
| Net loans and leases to deposits | 73.1001% | 2,094 |
| Net loans and leases to core deposits | 77.3695% | 2,105 |
| Total domestic deposits to total assets | 89.6660% | 939 |
| Equity capital to assets | 10.0991% | 2,766 |
| Core capital (leverage) ratio | 9.9440% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $530,252,000 | 1,623 |
| Average earning assets | $495,802,667 | 1,615 |
| Average equity | $52,544,667 | 1,704 |
| Average total loans | $364,333,667 | 1,507 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 1,009 |
| Cost of funding earning assets | 0.3313% | 2,696 |
| Net interest margin | 3.9917% | 853 |
| Noninterest income to average assets | 0.3197% | 3,489 |
| Noninterest expense to average assets | 2.5531% | 2,012 |
| Loan and lease loss provision to assets | 0.0567% | 1,980 |
| Net operating income to assets | 1.2070% | 2,115 |
| Return on assets (ROA) | 1.2070% | 2,199 |
| Pretax return on assets | 1.4436% | 2,154 |
| Return on Equity (ROE) | 12.2988% | 1,906 |
| Retained earnings to average equity (ytd only) | 8.2403% | 2,166 |
| Net charge-offs to loans | 0.0813% | 788 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 26.4667% | 1,141 |
| Efficiency ratio | 62.9871% | 2,610 |
| Assets per employee ($millions) | 5.4300% | 3,183 |
| Cash dividends to net income (ytd only)* | 32.9994% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 954 |
| Loan loss allowance to noncurrent loans | 239.7910% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 1,508 |
| Noncurrent loans to loans | 0.7269% | 1,783 |
| Net loans and leases to total assets | 68.0501% | 1,526 |
| Net loans and leases to deposits | 75.5750% | 1,959 |
| Net loans and leases to core deposits | 80.1913% | 1,986 |
| Total domestic deposits to total assets | 90.0431% | 798 |
| Equity capital to assets | 9.7530% | 2,943 |
| Core capital (leverage) ratio | 9.6901% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,246,500 | 1,610 |
| Average earning assets | $495,032,500 | 1,605 |
| Average equity | $51,940,000 | 1,710 |
| Average total loans | $368,801,500 | 1,493 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 1,318 |
| Cost of funding earning assets | 0.5022% | 2,934 |
| Net interest margin | 3.9967% | 978 |
| Noninterest income to average assets | 0.2962% | 3,713 |
| Noninterest expense to average assets | 2.7546% | 2,056 |
| Loan and lease loss provision to assets | 0.0491% | 3,782 |
| Net operating income to assets | 1.0113% | 2,255 |
| Return on assets (ROA) | 1.0113% | 2,398 |
| Pretax return on assets | 1.2155% | 2,275 |
| Return on Equity (ROE) | 8.6115% | 2,550 |
| Retained earnings to average equity (ytd only) | -14.5653% | 4,946 |
| Net charge-offs to loans | 0.0294% | 2,440 |
| Credit loss provision to net charge-offs | 235.8491% | 1,989 |
| Earnings coverage of net charge-offs (x) | 60.7736% | 1,063 |
| Efficiency ratio | 68.5372% | 2,160 |
| Assets per employee ($millions) | 5.2636% | 3,084 |
| Cash dividends to net income (ytd only)* | 269.1382% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 961 |
| Loan loss allowance to noncurrent loans | 216.9142% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 1,508 |
| Noncurrent loans to loans | 0.8026% | 1,742 |
| Net loans and leases to total assets | 68.8953% | 1,707 |
| Net loans and leases to deposits | 76.6829% | 2,211 |
| Net loans and leases to core deposits | 81.5387% | 2,227 |
| Total domestic deposits to total assets | 89.8443% | 623 |
| Equity capital to assets | 9.8756% | 3,241 |
| Core capital (leverage) ratio | 9.3122% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,433,600 | 1,525 |
| Average earning assets | $474,536,200 | 1,522 |
| Average equity | $59,827,200 | 1,447 |
| Average total loans | $360,431,800 | 1,477 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,156 |
| Cost of funding earning assets | 0.5402% | 2,991 |
| Net interest margin | 4.1221% | 858 |
| Noninterest income to average assets | 0.3257% | 3,538 |
| Noninterest expense to average assets | 2.7901% | 1,994 |
| Loan and lease loss provision to assets | 0.0461% | 3,780 |
| Net operating income to assets | 1.0886% | 2,020 |
| Return on assets (ROA) | 1.0886% | 2,152 |
| Pretax return on assets | 1.3280% | 1,944 |
| Return on Equity (ROE) | 8.9011% | 2,436 |
| Retained earnings to average equity (ytd only) | 7.3755% | 1,551 |
| Net charge-offs to loans | 0.2382% | 642 |
| Credit loss provision to net charge-offs | 27.3438% | 2,960 |
| Earnings coverage of net charge-offs (x) | 8.1359% | 2,523 |
| Efficiency ratio | 67.0004% | 2,315 |
| Assets per employee ($millions) | 5.3916% | 2,802 |
| Cash dividends to net income (ytd only)* | 17.1394% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 1,322 |
| Loan loss allowance to noncurrent loans | 160.6354% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 1,469 |
| Noncurrent loans to loans | 0.9489% | 1,590 |
| Net loans and leases to total assets | 68.9903% | 2,113 |
| Net loans and leases to deposits | 78.4212% | 2,496 |
| Net loans and leases to core deposits | 84.9978% | 2,381 |
| Total domestic deposits to total assets | 87.9741% | 1,224 |
| Equity capital to assets | 11.7608% | 1,835 |
| Core capital (leverage) ratio | 11.6178% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,202,750 | 1,511 |
| Average earning assets | $470,465,750 | 1,515 |
| Average equity | $61,788,750 | 1,403 |
| Average total loans | $358,274,750 | 1,480 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 755 |
| Cost of funding earning assets | 0.5956% | 2,988 |
| Net interest margin | 4.4570% | 555 |
| Noninterest income to average assets | 0.3308% | 3,490 |
| Noninterest expense to average assets | 2.9015% | 1,825 |
| Loan and lease loss provision to assets | 0.0406% | 3,772 |
| Net operating income to assets | 1.2408% | 1,518 |
| Return on assets (ROA) | 1.2408% | 1,635 |
| Pretax return on assets | 1.5282% | 1,394 |
| Return on Equity (ROE) | 10.0038% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.8510% | 1,350 |
| Net charge-offs to loans | 0.3657% | 435 |
| Credit loss provision to net charge-offs | 15.6006% | 2,740 |
| Earnings coverage of net charge-offs (x) | 6.0218% | 2,469 |
| Efficiency ratio | 64.9059% | 2,673 |
| Assets per employee ($millions) | 5.4780% | 2,660 |
| Cash dividends to net income (ytd only)* | 21.5198% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,230 |
| Loan loss allowance to noncurrent loans | 295.6723% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 2,377 |
| Noncurrent loans to loans | 0.5113% | 2,618 |
| Net loans and leases to total assets | 69.6479% | 2,086 |
| Net loans and leases to deposits | 79.1235% | 2,528 |
| Net loans and leases to core deposits | 87.1931% | 2,332 |
| Total domestic deposits to total assets | 88.0244% | 1,166 |
| Equity capital to assets | 11.7150% | 1,826 |
| Core capital (leverage) ratio | 11.7979% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,085,000 | 1,521 |
| Average earning assets | $457,031,667 | 1,519 |
| Average equity | $61,037,000 | 1,409 |
| Average total loans | $350,531,000 | 1,489 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 1,805 |
| Cost of funding earning assets | 0.6962% | 2,948 |
| Net interest margin | 3.9726% | 1,467 |
| Noninterest income to average assets | 0.3645% | 3,330 |
| Noninterest expense to average assets | 3.0683% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8107% | 2,870 |
| Return on assets (ROA) | 0.8107% | 2,958 |
| Pretax return on assets | 0.9700% | 2,936 |
| Return on Equity (ROE) | 6.3351% | 3,195 |
| Retained earnings to average equity (ytd only) | 2.4289% | 3,298 |
| Net charge-offs to loans | 0.5988% | 244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.2644% | 2,301 |
| Efficiency ratio | 75.9806% | 1,564 |
| Assets per employee ($millions) | 4.6372% | 3,078 |
| Cash dividends to net income (ytd only)* | 61.6597% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 874 |
| Loan loss allowance to noncurrent loans | 203.4871% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 2,185 |
| Noncurrent loans to loans | 0.8372% | 1,935 |
| Net loans and leases to total assets | 71.1716% | 2,056 |
| Net loans and leases to deposits | 81.9282% | 2,465 |
| Net loans and leases to core deposits | 89.6142% | 2,385 |
| Total domestic deposits to total assets | 86.8707% | 1,614 |
| Equity capital to assets | 12.9218% | 1,473 |
| Core capital (leverage) ratio | 12.5737% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8172% | 1,390 |
| Memoranda: | ||
| Average total assets | $469,707,500 | 1,536 |
| Average earning assets | $434,378,000 | 1,537 |
| Average equity | $60,110,000 | 1,418 |
| Average total loans | $335,978,000 | 1,497 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 1,886 |
| Cost of funding earning assets | 0.8570% | 2,396 |
| Net interest margin | 3.9958% | 1,871 |
| Noninterest income to average assets | 1.0076% | 956 |
| Noninterest expense to average assets | 3.1548% | 1,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2797% | 1,770 |
| Return on assets (ROA) | 1.2515% | 1,953 |
| Pretax return on assets | 1.4971% | 1,815 |
| Return on Equity (ROE) | 10.1845% | 2,215 |
| Retained earnings to average equity (ytd only) | 3.7910% | 3,081 |
| Net charge-offs to loans | 0.0271% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 77.0426% | 815 |
| Efficiency ratio | 67.3313% | 2,557 |
| Assets per employee ($millions) | 4.5294% | 3,178 |
| Cash dividends to net income (ytd only)* | 62.7766% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 571 |
| Loan loss allowance to noncurrent loans | 158.8667% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 1,535 |
| Noncurrent loans to loans | 1.1877% | 1,274 |
| Net loans and leases to total assets | 69.3252% | 2,498 |
| Net loans and leases to deposits | 79.5569% | 2,825 |
| Net loans and leases to core deposits | 87.0530% | 2,703 |
| Total domestic deposits to total assets | 87.1392% | 1,542 |
| Equity capital to assets | 12.6736% | 1,721 |
| Core capital (leverage) ratio | 12.2695% | 1,615 |
| Tier 1 risk-based capital ratio | 15.6361% | 2,530 |
| Total risk-based capital ratio | 16.8914% | 2,466 |
| Memoranda: | ||
| Average total assets | $473,120,200 | 1,484 |
| Average earning assets | $435,486,400 | 1,489 |
| Average equity | $58,137,600 | 1,396 |
| Average total loans | $346,920,000 | 1,433 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 1,943 |
| Cost of funding earning assets | 0.8775% | 2,332 |
| Net interest margin | 3.9821% | 2,009 |
| Noninterest income to average assets | 1.1477% | 693 |
| Noninterest expense to average assets | 3.0307% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4222% | 1,406 |
| Return on assets (ROA) | 1.3864% | 1,577 |
| Pretax return on assets | 1.7321% | 1,243 |
| Return on Equity (ROE) | 11.3712% | 1,857 |
| Retained earnings to average equity (ytd only) | 3.2740% | 3,774 |
| Net charge-offs to loans | 0.0304% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 78.9030% | 870 |
| Efficiency ratio | 63.0402% | 3,153 |
| Assets per employee ($millions) | 4.3011% | 3,481 |
| Cash dividends to net income (ytd only)* | 71.2081% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9116% | 551 |
| Loan loss allowance to noncurrent loans | 145.1234% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0031% | 1,336 |
| Noncurrent loans to loans | 1.3172% | 1,173 |
| Net loans and leases to total assets | 68.2629% | 2,750 |
| Net loans and leases to deposits | 78.1911% | 3,079 |
| Net loans and leases to core deposits | 86.0497% | 2,904 |
| Total domestic deposits to total assets | 87.3026% | 1,372 |
| Equity capital to assets | 12.4685% | 1,935 |
| Core capital (leverage) ratio | 12.1482% | 1,760 |
| Tier 1 risk-based capital ratio | 15.7803% | 2,523 |
| Total risk-based capital ratio | 17.0360% | 2,461 |
| Memoranda: | ||
| Average total assets | $473,635,750 | 1,498 |
| Average earning assets | $435,305,500 | 1,504 |
| Average equity | $57,747,000 | 1,407 |
| Average total loans | $350,439,500 | 1,430 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 1,723 |
| Cost of funding earning assets | 0.8720% | 2,287 |
| Net interest margin | 4.0371% | 1,805 |
| Noninterest income to average assets | 1.5390% | 384 |
| Noninterest expense to average assets | 3.0975% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7202% | 697 |
| Return on assets (ROA) | 1.6665% | 812 |
| Pretax return on assets | 2.0835% | 574 |
| Return on Equity (ROE) | 13.7723% | 1,029 |
| Retained earnings to average equity (ytd only) | 2.2361% | 4,044 |
| Net charge-offs to loans | 0.0112% | 2,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 254.7500% | 319 |
| Efficiency ratio | 59.0203% | 3,856 |
| Assets per employee ($millions) | 4.0998% | 3,730 |
| Cash dividends to net income (ytd only)* | 83.7639% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 559 |
| Loan loss allowance to noncurrent loans | 101.5338% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 812 |
| Noncurrent loans to loans | 1.8749% | 797 |
| Net loans and leases to total assets | 70.0655% | 2,522 |
| Net loans and leases to deposits | 80.2577% | 2,923 |
| Net loans and leases to core deposits | 86.6548% | 2,914 |
| Total domestic deposits to total assets | 87.3007% | 1,440 |
| Equity capital to assets | 12.4462% | 1,890 |
| Core capital (leverage) ratio | 12.3644% | 1,603 |
| Tier 1 risk-based capital ratio | 15.5353% | 2,615 |
| Total risk-based capital ratio | 16.7912% | 2,541 |
| Memoranda: | ||
| Average total assets | $473,807,330 | 1,503 |
| Average earning assets | $435,310,670 | 1,510 |
| Average equity | $57,332,330 | 1,411 |
| Average total loans | $357,499,330 | 1,409 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9059% | 1,572 |
| Cost of funding earning assets | 0.9120% | 1,951 |
| Net interest margin | 3.9939% | 1,866 |
| Noninterest income to average assets | 2.8519% | 159 |
| Noninterest expense to average assets | 3.2485% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6079% | 137 |
| Return on assets (ROA) | 2.6079% | 145 |
| Pretax return on assets | 3.2644% | 104 |
| Return on Equity (ROE) | 21.8579% | 176 |
| Retained earnings to average equity (ytd only) | 0.3725% | 4,460 |
| Net charge-offs to loans | 0.0195% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 216.2778% | 358 |
| Efficiency ratio | 49.8777% | 4,839 |
| Assets per employee ($millions) | 4.4050% | 3,322 |
| Cash dividends to net income (ytd only)* | 98.2958% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 662 |
| Loan loss allowance to noncurrent loans | 132.3615% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 1,340 |
| Noncurrent loans to loans | 1.3857% | 1,169 |
| Net loans and leases to total assets | 73.5501% | 1,891 |
| Net loans and leases to deposits | 84.2615% | 2,355 |
| Net loans and leases to core deposits | 90.2307% | 2,476 |
| Total domestic deposits to total assets | 87.2879% | 1,669 |
| Equity capital to assets | 12.3441% | 1,824 |
| Core capital (leverage) ratio | 11.5421% | 2,108 |
| Tier 1 risk-based capital ratio | 15.1479% | 2,818 |
| Total risk-based capital ratio | 16.4035% | 2,727 |
| Memoranda: | ||
| Average total assets | $477,020,500 | 1,502 |
| Average earning assets | $437,269,000 | 1,514 |
| Average equity | $56,913,000 | 1,418 |
| Average total loans | $369,335,000 | 1,375 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 1,381 |
| Cost of funding earning assets | 0.7109% | 2,021 |
| Net interest margin | 4.1534% | 1,522 |
| Noninterest income to average assets | 0.4356% | 3,198 |
| Noninterest expense to average assets | 2.9902% | 2,069 |
| Loan and lease loss provision to assets | 0.0892% | 2,359 |
| Net operating income to assets | 0.9929% | 3,040 |
| Return on assets (ROA) | 0.9929% | 3,036 |
| Pretax return on assets | 1.1715% | 3,006 |
| Return on Equity (ROE) | 9.1463% | 2,922 |
| Retained earnings to average equity (ytd only) | 6.0738% | 2,157 |
| Net charge-offs to loans | 0.0021% | 3,673 |
| Credit loss provision to net charge-offs | 5,625.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 795.1250% | 137 |
| Efficiency ratio | 70.3436% | 2,128 |
| Assets per employee ($millions) | 4.0289% | 3,856 |
| Cash dividends to net income (ytd only)* | 33.5928% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 973 |
| Loan loss allowance to noncurrent loans | 155.3876% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 1,671 |
| Noncurrent loans to loans | 1.0461% | 1,565 |
| Net loans and leases to total assets | 78.4821% | 1,184 |
| Net loans and leases to deposits | 88.9445% | 1,936 |
| Net loans and leases to core deposits | 94.5140% | 2,185 |
| Total domestic deposits to total assets | 88.2371% | 1,189 |
| Equity capital to assets | 11.5421% | 2,226 |
| Core capital (leverage) ratio | 10.7415% | 2,798 |
| Tier 1 risk-based capital ratio | 13.4164% | 3,596 |
| Total risk-based capital ratio | 14.6705% | 3,494 |
| Memoranda: | ||
| Average total assets | $504,582,400 | 1,398 |
| Average earning assets | $463,496,200 | 1,408 |
| Average equity | $54,776,400 | 1,418 |
| Average total loans | $387,941,800 | 1,286 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,573 |
| Cost of funding earning assets | 0.6428% | 2,188 |
| Net interest margin | 4.0969% | 1,641 |
| Noninterest income to average assets | 0.4324% | 3,266 |
| Noninterest expense to average assets | 2.9756% | 2,087 |
| Loan and lease loss provision to assets | 0.1181% | 1,717 |
| Net operating income to assets | 0.8764% | 3,637 |
| Return on assets (ROA) | 0.8764% | 3,642 |
| Pretax return on assets | 1.0951% | 3,419 |
| Return on Equity (ROE) | 8.1981% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.2386% | 3,093 |
| Net charge-offs to loans | -0.0021% | 4,090 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0373% | 2,033 |
| Assets per employee ($millions) | 4.1226% | 3,692 |
| Cash dividends to net income (ytd only)* | 36.0995% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 974 |
| Loan loss allowance to noncurrent loans | 135.8282% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 1,633 |
| Noncurrent loans to loans | 1.2114% | 1,399 |
| Net loans and leases to total assets | 73.5102% | 2,073 |
| Net loans and leases to deposits | 82.4424% | 2,770 |
| Net loans and leases to core deposits | 87.4307% | 2,882 |
| Total domestic deposits to total assets | 89.1655% | 790 |
| Equity capital to assets | 10.6241% | 3,021 |
| Core capital (leverage) ratio | 10.5861% | 2,992 |
| Tier 1 risk-based capital ratio | 13.0574% | 3,873 |
| Total risk-based capital ratio | 14.3115% | 3,782 |
| Memoranda: | ||
| Average total assets | $507,847,750 | 1,394 |
| Average earning assets | $465,636,250 | 1,405 |
| Average equity | $54,287,500 | 1,431 |
| Average total loans | $386,894,750 | 1,293 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,531 |
| Cost of funding earning assets | 0.5775% | 2,378 |
| Net interest margin | 4.1123% | 1,518 |
| Noninterest income to average assets | 0.4298% | 3,297 |
| Noninterest expense to average assets | 2.9751% | 2,119 |
| Loan and lease loss provision to assets | 0.1191% | 1,667 |
| Net operating income to assets | 0.8858% | 3,521 |
| Return on assets (ROA) | 0.8858% | 3,524 |
| Pretax return on assets | 1.1052% | 3,296 |
| Return on Equity (ROE) | 8.2686% | 3,379 |
| Retained earnings to average equity (ytd only) | 4.8122% | 3,176 |
| Net charge-offs to loans | 0.0383% | 2,082 |
| Credit loss provision to net charge-offs | 405.4054% | 811 |
| Earnings coverage of net charge-offs (x) | 41.6892% | 1,258 |
| Efficiency ratio | 70.8467% | 2,185 |
| Assets per employee ($millions) | 4.1251% | 3,690 |
| Cash dividends to net income (ytd only)* | 41.8011% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 1,158 |
| Loan loss allowance to noncurrent loans | 106.5951% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 1,292 |
| Noncurrent loans to loans | 1.4829% | 1,133 |
| Net loans and leases to total assets | 73.7670% | 1,983 |
| Net loans and leases to deposits | 82.6092% | 2,702 |
| Net loans and leases to core deposits | 88.0283% | 2,716 |
| Total domestic deposits to total assets | 89.2963% | 818 |
| Equity capital to assets | 10.4953% | 3,123 |
| Core capital (leverage) ratio | 10.6534% | 2,866 |
| Tier 1 risk-based capital ratio | 12.4638% | 4,207 |
| Total risk-based capital ratio | 13.7167% | 4,101 |
| Memoranda: | ||
| Average total assets | $503,979,670 | 1,401 |
| Average earning assets | $461,981,670 | 1,417 |
| Average equity | $53,987,670 | 1,442 |
| Average total loans | $386,447,000 | 1,293 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 1,116 |
| Cost of funding earning assets | 0.5291% | 2,546 |
| Net interest margin | 4.2551% | 1,033 |
| Noninterest income to average assets | 0.4136% | 3,363 |
| Noninterest expense to average assets | 3.0527% | 1,940 |
| Loan and lease loss provision to assets | 0.1209% | 1,559 |
| Net operating income to assets | 0.9152% | 3,226 |
| Return on assets (ROA) | 0.9152% | 3,237 |
| Pretax return on assets | 1.1304% | 3,051 |
| Return on Equity (ROE) | 8.4534% | 3,163 |
| Retained earnings to average equity (ytd only) | 3.1579% | 3,942 |
| Net charge-offs to loans | -0.0031% | 3,882 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9254% | 2,357 |
| Assets per employee ($millions) | 4.2045% | 3,645 |
| Cash dividends to net income (ytd only)* | 62.6432% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,200 |
| Loan loss allowance to noncurrent loans | 144.6399% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 1,884 |
| Noncurrent loans to loans | 1.0937% | 1,676 |
| Net loans and leases to total assets | 75.6671% | 1,592 |
| Net loans and leases to deposits | 84.9454% | 2,294 |
| Net loans and leases to core deposits | 92.0494% | 2,301 |
| Total domestic deposits to total assets | 89.0773% | 1,059 |
| Equity capital to assets | 10.7408% | 2,828 |
| Core capital (leverage) ratio | 10.4034% | 3,060 |
| Tier 1 risk-based capital ratio | 12.6427% | 4,145 |
| Total risk-based capital ratio | 13.8958% | 4,051 |
| Memoranda: | ||
| Average total assets | $496,091,000 | 1,434 |
| Average earning assets | $453,573,000 | 1,451 |
| Average equity | $53,706,500 | 1,452 |
| Average total loans | $384,887,000 | 1,303 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 1,633 |
| Cost of funding earning assets | 0.4240% | 3,011 |
| Net interest margin | 4.1010% | 1,431 |
| Noninterest income to average assets | 0.4659% | 3,217 |
| Noninterest expense to average assets | 3.1791% | 1,654 |
| Loan and lease loss provision to assets | 0.0461% | 3,317 |
| Net operating income to assets | 0.7963% | 3,174 |
| Return on assets (ROA) | 0.7963% | 3,217 |
| Pretax return on assets | 0.9665% | 3,684 |
| Return on Equity (ROE) | 7.3821% | 3,081 |
| Retained earnings to average equity (ytd only) | 4.0096% | 2,792 |
| Net charge-offs to loans | 0.0852% | 2,244 |
| Credit loss provision to net charge-offs | 71.1111% | 3,078 |
| Earnings coverage of net charge-offs (x) | 15.6222% | 2,232 |
| Efficiency ratio | 75.8431% | 1,641 |
| Assets per employee ($millions) | 3.9988% | 3,957 |
| Cash dividends to net income (ytd only)* | 45.6848% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,296 |
| Loan loss allowance to noncurrent loans | 147.0501% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 1,797 |
| Noncurrent loans to loans | 1.0475% | 1,698 |
| Net loans and leases to total assets | 77.0907% | 1,413 |
| Net loans and leases to deposits | 86.7150% | 2,170 |
| Net loans and leases to core deposits | 93.3693% | 2,250 |
| Total domestic deposits to total assets | 88.9012% | 1,045 |
| Equity capital to assets | 10.9125% | 2,720 |
| Core capital (leverage) ratio | 10.6100% | 2,729 |
| Tier 1 risk-based capital ratio | 12.7111% | 4,083 |
| Total risk-based capital ratio | 13.9641% | 3,981 |
| Memoranda: | ||
| Average total assets | $485,985,000 | 1,443 |
| Average earning assets | $441,522,200 | 1,462 |
| Average equity | $52,424,400 | 1,468 |
| Average total loans | $369,833,600 | 1,313 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,700 |
| Cost of funding earning assets | 0.4099% | 3,090 |
| Net interest margin | 4.0706% | 1,476 |
| Noninterest income to average assets | 0.4802% | 3,148 |
| Noninterest expense to average assets | 3.0498% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7999% | 3,522 |
| Return on assets (ROA) | 0.7999% | 3,572 |
| Pretax return on assets | 1.1249% | 3,208 |
| Return on Equity (ROE) | 7.4376% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.6638% | 3,748 |
| Net charge-offs to loans | -0.0069% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0539% | 2,035 |
| Assets per employee ($millions) | 3.8169% | 4,286 |
| Cash dividends to net income (ytd only)* | 50.7397% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 1,163 |
| Loan loss allowance to noncurrent loans | 97.2164% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7925% | 775 |
| Noncurrent loans to loans | 1.6818% | 1,079 |
| Net loans and leases to total assets | 76.8035% | 1,451 |
| Net loans and leases to deposits | 86.8064% | 2,208 |
| Net loans and leases to core deposits | 93.7954% | 2,287 |
| Total domestic deposits to total assets | 88.4768% | 1,133 |
| Equity capital to assets | 11.2190% | 2,649 |
| Core capital (leverage) ratio | 10.5361% | 2,948 |
| Tier 1 risk-based capital ratio | 12.6621% | 4,231 |
| Total risk-based capital ratio | 13.9156% | 4,119 |
| Memoranda: | ||
| Average total assets | $484,519,250 | 1,454 |
| Average earning assets | $439,761,750 | 1,478 |
| Average equity | $52,112,250 | 1,488 |
| Average total loans | $366,016,750 | 1,337 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 1,812 |
| Cost of funding earning assets | 0.4003% | 3,073 |
| Net interest margin | 3.9998% | 1,605 |
| Noninterest income to average assets | 0.4727% | 3,203 |
| Noninterest expense to average assets | 3.0242% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7656% | 3,565 |
| Return on assets (ROA) | 0.7656% | 3,613 |
| Pretax return on assets | 1.0785% | 3,269 |
| Return on Equity (ROE) | 7.2185% | 3,442 |
| Retained earnings to average equity (ytd only) | 2.6997% | 4,084 |
| Net charge-offs to loans | -0.0071% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7121% | 2,067 |
| Assets per employee ($millions) | 3.8693% | 4,172 |
| Cash dividends to net income (ytd only)* | 62.6003% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 1,194 |
| Loan loss allowance to noncurrent loans | 106.0436% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 1,425 |
| Noncurrent loans to loans | 1.5386% | 1,211 |
| Net loans and leases to total assets | 72.9066% | 2,060 |
| Net loans and leases to deposits | 81.6261% | 2,735 |
| Net loans and leases to core deposits | 88.4873% | 2,658 |
| Total domestic deposits to total assets | 89.3178% | 802 |
| Equity capital to assets | 10.4953% | 3,350 |
| Core capital (leverage) ratio | 10.4355% | 2,990 |
| Tier 1 risk-based capital ratio | 12.0203% | 4,621 |
| Total risk-based capital ratio | 13.2729% | 4,503 |
| Memoranda: | ||
| Average total assets | $488,260,330 | 1,449 |
| Average earning assets | $443,117,670 | 1,471 |
| Average equity | $51,783,330 | 1,500 |
| Average total loans | $364,839,000 | 1,340 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 1,604 |
| Cost of funding earning assets | 0.4079% | 2,920 |
| Net interest margin | 4.0057% | 1,460 |
| Noninterest income to average assets | 0.4084% | 3,597 |
| Noninterest expense to average assets | 3.0338% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7133% | 3,648 |
| Return on assets (ROA) | 0.7133% | 3,690 |
| Pretax return on assets | 1.0033% | 3,357 |
| Return on Equity (ROE) | 6.6897% | 3,558 |
| Retained earnings to average equity (ytd only) | -0.1088% | 4,936 |
| Net charge-offs to loans | -0.0254% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1488% | 2,042 |
| Assets per employee ($millions) | 3.5845% | 4,671 |
| Cash dividends to net income (ytd only)* | 101.6260% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 1,222 |
| Loan loss allowance to noncurrent loans | 368.6585% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 3,642 |
| Noncurrent loans to loans | 0.4511% | 3,479 |
| Net loans and leases to total assets | 74.4399% | 1,673 |
| Net loans and leases to deposits | 83.6341% | 2,324 |
| Net loans and leases to core deposits | 91.4873% | 2,217 |
| Total domestic deposits to total assets | 89.0067% | 1,137 |
| Equity capital to assets | 10.7391% | 2,916 |
| Core capital (leverage) ratio | 10.0370% | 3,449 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,696 |
| Total risk-based capital ratio | 13.2811% | 4,591 |
| Memoranda: | ||
| Average total assets | $482,822,000 | 1,463 |
| Average earning assets | $437,381,000 | 1,500 |
| Average equity | $51,482,000 | 1,501 |
| Average total loans | $362,288,500 | 1,355 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 2,904 |
| Cost of funding earning assets | 0.3358% | 3,684 |
| Net interest margin | 3.7522% | 2,493 |
| Noninterest income to average assets | 0.5135% | 3,145 |
| Noninterest expense to average assets | 3.0370% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6404% | 4,042 |
| Return on assets (ROA) | 0.6417% | 4,146 |
| Pretax return on assets | 0.8356% | 4,066 |
| Return on Equity (ROE) | 5.9249% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.5726% | 4,055 |
| Net charge-offs to loans | 0.1083% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.3916% | 2,644 |
| Efficiency ratio | 77.9139% | 1,704 |
| Assets per employee ($millions) | 3.5950% | 4,616 |
| Cash dividends to net income (ytd only)* | 56.5807% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 1,213 |
| Loan loss allowance to noncurrent loans | 228.2304% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 2,904 |
| Noncurrent loans to loans | 0.7311% | 2,699 |
| Net loans and leases to total assets | 73.1384% | 1,989 |
| Net loans and leases to deposits | 82.0623% | 2,663 |
| Net loans and leases to core deposits | 89.7417% | 2,529 |
| Total domestic deposits to total assets | 89.1254% | 1,050 |
| Equity capital to assets | 10.5871% | 3,057 |
| Core capital (leverage) ratio | 10.0997% | 3,370 |
| Tier 1 risk-based capital ratio | 12.2732% | 4,521 |
| Total risk-based capital ratio | 13.5266% | 4,399 |
| Memoranda: | ||
| Average total assets | $356,408,400 | 1,870 |
| Average earning assets | $318,902,800 | 1,925 |
| Average equity | $38,599,800 | 1,904 |
| Average total loans | $264,202,600 | 1,706 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 4,306 |
| Cost of funding earning assets | 0.2883% | 4,224 |
| Net interest margin | 3.3944% | 3,863 |
| Noninterest income to average assets | 0.6005% | 2,656 |
| Noninterest expense to average assets | 2.8424% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6281% | 4,173 |
| Return on assets (ROA) | 0.6301% | 4,288 |
| Pretax return on assets | 0.7819% | 4,358 |
| Return on Equity (ROE) | 5.7694% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.3462% | 4,508 |
| Net charge-offs to loans | 0.1478% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.1240% | 2,916 |
| Efficiency ratio | 77.6289% | 1,744 |
| Assets per employee ($millions) | 3.4705% | 4,812 |
| Cash dividends to net income (ytd only)* | 59.3341% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 1,222 |
| Loan loss allowance to noncurrent loans | 390.1872% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,916 |
| Noncurrent loans to loans | 0.4361% | 3,723 |
| Net loans and leases to total assets | 73.4279% | 1,961 |
| Net loans and leases to deposits | 82.5766% | 2,657 |
| Net loans and leases to core deposits | 90.0106% | 2,577 |
| Total domestic deposits to total assets | 88.9210% | 946 |
| Equity capital to assets | 10.7854% | 3,259 |
| Core capital (leverage) ratio | 10.1403% | 3,394 |
| Tier 1 risk-based capital ratio | 12.3775% | 4,554 |
| Total risk-based capital ratio | 13.6313% | 4,453 |
| Memoranda: | ||
| Average total assets | $324,179,250 | 2,043 |
| Average earning assets | $288,543,000 | 2,118 |
| Average equity | $35,404,250 | 2,069 |
| Average total loans | $240,007,750 | 1,853 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0667% | 5,575 |
| Cost of funding earning assets | 0.1681% | 5,429 |
| Net interest margin | 2.8985% | 5,267 |
| Noninterest income to average assets | 0.2542% | 4,950 |
| Noninterest expense to average assets | 2.1443% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6045% | 4,246 |
| Return on assets (ROA) | 0.6086% | 4,356 |
| Pretax return on assets | 0.6458% | 4,771 |
| Return on Equity (ROE) | 5.5327% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.3180% | 4,397 |
| Net charge-offs to loans | 0.1895% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.5969% | 2,971 |
| Efficiency ratio | 75.8982% | 2,096 |
| Assets per employee ($millions) | 3.6084% | 4,588 |
| Cash dividends to net income (ytd only)* | 58.1032% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 1,430 |
| Loan loss allowance to noncurrent loans | 101.1741% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3158% | 1,532 |
| Noncurrent loans to loans | 1.6213% | 1,318 |
| Net loans and leases to total assets | 75.8713% | 1,512 |
| Net loans and leases to deposits | 85.0026% | 2,350 |
| Net loans and leases to core deposits | 93.2408% | 2,239 |
| Total domestic deposits to total assets | 89.2576% | 780 |
| Equity capital to assets | 10.5337% | 3,596 |
| Core capital (leverage) ratio | 9.9757% | 3,592 |
| Tier 1 risk-based capital ratio | 11.9040% | 4,893 |
| Total risk-based capital ratio | 13.1573% | 4,792 |
| Memoranda: | ||
| Average total assets | $273,750,670 | 2,342 |
| Average earning assets | $239,087,330 | 2,462 |
| Average equity | $30,112,000 | 2,360 |
| Average total loans | $201,621,000 | 2,116 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 1,716 |
| Cost of funding earning assets | 0.2356% | 4,852 |
| Net interest margin | 4.1924% | 1,113 |
| Noninterest income to average assets | 0.2464% | 4,975 |
| Noninterest expense to average assets | 3.0154% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7485% | 3,489 |
| Return on assets (ROA) | 0.7485% | 3,595 |
| Pretax return on assets | 0.7722% | 4,291 |
| Return on Equity (ROE) | 6.4158% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.4567% | 4,277 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6123% | 1,653 |
| Assets per employee ($millions) | 4.3156% | 3,386 |
| Cash dividends to net income (ytd only)* | 61.7089% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,306 |
| Loan loss allowance to noncurrent loans | 335.4839% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 3,822 |
| Noncurrent loans to loans | 0.4254% | 3,921 |
| Net loans and leases to total assets | 70.0818% | 2,327 |
| Net loans and leases to deposits | 79.7582% | 2,828 |
| Net loans and leases to core deposits | 86.9667% | 2,663 |
| Total domestic deposits to total assets | 87.8678% | 1,716 |
| Equity capital to assets | 12.0504% | 1,992 |
| Core capital (leverage) ratio | 9.0160% | 4,839 |
| Tier 1 risk-based capital ratio | 12.6399% | 4,495 |
| Total risk-based capital ratio | 13.8924% | 4,400 |
| Memoranda: | ||
| Average total assets | $168,864,500 | 3,341 |
| Average earning assets | $142,639,500 | 3,516 |
| Average equity | $19,701,500 | 3,233 |
| Average total loans | $115,945,000 | 3,146 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 2,158 |
| Cost of funding earning assets | 0.2227% | 5,069 |
| Net interest margin | 4.0960% | 1,419 |
| Noninterest income to average assets | 0.3144% | 4,644 |
| Noninterest expense to average assets | 2.6017% | 3,918 |
| Loan and lease loss provision to assets | 0.0119% | 4,172 |
| Net operating income to assets | 0.7785% | 3,429 |
| Return on assets (ROA) | 0.7785% | 3,504 |
| Pretax return on assets | 1.1000% | 3,062 |
| Return on Equity (ROE) | 6.7695% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.4623% | 3,593 |
| Net charge-offs to loans | 0.0150% | 3,992 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 116.9375% | 513 |
| Efficiency ratio | 70.0592% | 3,216 |
| Assets per employee ($millions) | 4.5720% | 2,921 |
| Cash dividends to net income (ytd only)* | 48.8550% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,239 |
| Loan loss allowance to noncurrent loans | 781.2207% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 4,575 |
| Noncurrent loans to loans | 0.1847% | 4,748 |
| Net loans and leases to total assets | 65.4054% | 3,067 |
| Net loans and leases to deposits | 73.8100% | 3,516 |
| Net loans and leases to core deposits | 80.2531% | 3,313 |
| Total domestic deposits to total assets | 88.6131% | 1,326 |
| Equity capital to assets | 11.3051% | 2,536 |
| Core capital (leverage) ratio | 9.1458% | 4,693 |
| Tier 1 risk-based capital ratio | 12.5554% | 4,592 |
| Total risk-based capital ratio | 13.8073% | 4,490 |
| Memoranda: | ||
| Average total assets | $168,275,400 | 3,330 |
| Average earning assets | $139,648,600 | 3,541 |
| Average equity | $19,351,400 | 3,238 |
| Average total loans | $106,731,000 | 3,267 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,430 |
| Cost of funding earning assets | 0.2222% | 5,159 |
| Net interest margin | 4.0219% | 1,634 |
| Noninterest income to average assets | 0.3259% | 4,608 |
| Noninterest expense to average assets | 2.5746% | 3,965 |
| Loan and lease loss provision to assets | 0.0160% | 3,951 |
| Net operating income to assets | 0.7764% | 3,548 |
| Return on assets (ROA) | 0.7764% | 3,633 |
| Pretax return on assets | 1.0896% | 3,269 |
| Return on Equity (ROE) | 6.7222% | 3,772 |
| Retained earnings to average equity (ytd only) | 3.9974% | 3,622 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9588% | 3,219 |
| Assets per employee ($millions) | 4.5455% | 2,927 |
| Cash dividends to net income (ytd only)* | 40.5349% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 2,026 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 5,134 |
| Noncurrent loans to loans | 0.0255% | 5,533 |
| Net loans and leases to total assets | 65.9743% | 3,017 |
| Net loans and leases to deposits | 75.0116% | 3,421 |
| Net loans and leases to core deposits | 82.0894% | 3,240 |
| Total domestic deposits to total assets | 87.9521% | 1,592 |
| Equity capital to assets | 11.9465% | 2,144 |
| Core capital (leverage) ratio | 9.1035% | 4,879 |
| Tier 1 risk-based capital ratio | 13.1961% | 4,325 |
| Total risk-based capital ratio | 14.4494% | 4,244 |
| Memoranda: | ||
| Average total assets | $166,910,500 | 3,385 |
| Average earning assets | $139,200,250 | 3,583 |
| Average equity | $19,279,000 | 3,274 |
| Average total loans | $104,589,750 | 3,330 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 2,682 |
| Cost of funding earning assets | 0.2308% | 5,136 |
| Net interest margin | 3.9295% | 1,885 |
| Noninterest income to average assets | 0.3321% | 4,580 |
| Noninterest expense to average assets | 2.4702% | 4,329 |
| Loan and lease loss provision to assets | 0.0238% | 3,659 |
| Net operating income to assets | 0.7738% | 3,517 |
| Return on assets (ROA) | 0.7738% | 3,624 |
| Pretax return on assets | 1.0809% | 3,255 |
| Return on Equity (ROE) | 6.7747% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.7215% | 3,040 |
| Net charge-offs to loans | -0.0058% | 4,777 |
| Credit loss provision to net charge-offs | -666.6667% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0976% | 3,470 |
| Assets per employee ($millions) | 4.7913% | 2,554 |
| Cash dividends to net income (ytd only)* | 30.3077% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,327 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.0673% | 3,829 |
| Net loans and leases to deposits | 67.7631% | 4,155 |
| Net loans and leases to core deposits | 74.8930% | 3,869 |
| Total domestic deposits to total assets | 88.6431% | 1,335 |
| Equity capital to assets | 11.2613% | 2,607 |
| Core capital (leverage) ratio | 9.0551% | 4,887 |
| Tier 1 risk-based capital ratio | 13.7665% | 4,054 |
| Total risk-based capital ratio | 15.0213% | 3,990 |
| Memoranda: | ||
| Average total assets | $168,001,330 | 3,385 |
| Average earning assets | $138,642,330 | 3,622 |
| Average equity | $19,189,000 | 3,300 |
| Average total loans | $102,906,670 | 3,381 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,269 |
| Cost of funding earning assets | 0.2288% | 5,231 |
| Net interest margin | 3.7597% | 2,395 |
| Noninterest income to average assets | 0.3813% | 4,157 |
| Noninterest expense to average assets | 2.4566% | 4,421 |
| Loan and lease loss provision to assets | 0.0362% | 3,173 |
| Net operating income to assets | 0.7264% | 3,660 |
| Return on assets (ROA) | 0.7264% | 3,799 |
| Pretax return on assets | 1.0208% | 3,419 |
| Return on Equity (ROE) | 6.3131% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.2157% | 3,478 |
| Net charge-offs to loans | -0.0079% | 4,626 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9176% | 3,501 |
| Assets per employee ($millions) | 4.6413% | 2,845 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 1,881 |
| Loan loss allowance to noncurrent loans | 735.5263% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 5,411 |
| Noncurrent loans to loans | 0.2244% | 4,968 |
| Net loans and leases to total assets | 59.8001% | 3,682 |
| Net loans and leases to deposits | 67.6486% | 3,988 |
| Net loans and leases to core deposits | 75.4000% | 3,652 |
| Total domestic deposits to total assets | 88.3981% | 1,595 |
| Equity capital to assets | 11.4744% | 2,482 |
| Core capital (leverage) ratio | 8.8550% | 5,131 |
| Tier 1 risk-based capital ratio | 13.5965% | 4,279 |
| Total risk-based capital ratio | 14.8502% | 4,186 |
| Memoranda: | ||
| Average total assets | $165,759,500 | 3,430 |
| Average earning assets | $138,097,500 | 3,652 |
| Average equity | $19,071,500 | 3,331 |
| Average total loans | $101,715,000 | 3,420 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 2,028 |
| Cost of funding earning assets | 0.2295% | 5,530 |
| Net interest margin | 4.2321% | 1,212 |
| Noninterest income to average assets | 0.3793% | 4,348 |
| Noninterest expense to average assets | 2.7814% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7381% | 3,689 |
| Return on assets (ROA) | 0.7381% | 3,796 |
| Pretax return on assets | 1.0216% | 3,412 |
| Return on Equity (ROE) | 6.0049% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.8384% | 3,484 |
| Net charge-offs to loans | -0.0010% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1364% | 2,998 |
| Assets per employee ($millions) | 4.8363% | 2,549 |
| Cash dividends to net income (ytd only)* | 36.0788% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,995 |
| Loan loss allowance to noncurrent loans | 728.0702% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 5,480 |
| Noncurrent loans to loans | 0.2239% | 5,024 |
| Net loans and leases to total assets | 60.9217% | 3,649 |
| Net loans and leases to deposits | 69.1780% | 4,009 |
| Net loans and leases to core deposits | 76.2514% | 3,679 |
| Total domestic deposits to total assets | 88.0651% | 1,734 |
| Equity capital to assets | 11.5372% | 2,399 |
| Core capital (leverage) ratio | 9.0012% | 5,003 |
| Tier 1 risk-based capital ratio | 13.3008% | 4,542 |
| Total risk-based capital ratio | 14.5554% | 4,466 |
| Memoranda: | ||
| Average total assets | $151,328,400 | 3,609 |
| Average earning assets | $122,421,000 | 3,910 |
| Average equity | $18,601,400 | 3,336 |
| Average total loans | $98,070,200 | 3,464 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 1,800 |
| Cost of funding earning assets | 0.2257% | 5,625 |
| Net interest margin | 4.2938% | 1,066 |
| Noninterest income to average assets | 0.3989% | 4,253 |
| Noninterest expense to average assets | 2.8125% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7277% | 3,799 |
| Return on assets (ROA) | 0.7277% | 3,902 |
| Pretax return on assets | 1.0302% | 3,467 |
| Return on Equity (ROE) | 5.8205% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.6450% | 4,055 |
| Net charge-offs to loans | -0.0014% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1896% | 2,958 |
| Assets per employee ($millions) | 4.4343% | 3,082 |
| Cash dividends to net income (ytd only)* | 37.3764% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 1,990 |
| Loan loss allowance to noncurrent loans | 472.9345% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 5,284 |
| Noncurrent loans to loans | 0.3583% | 4,832 |
| Net loans and leases to total assets | 63.8723% | 3,188 |
| Net loans and leases to deposits | 73.3044% | 3,519 |
| Net loans and leases to core deposits | 81.4406% | 3,156 |
| Total domestic deposits to total assets | 87.1330% | 2,242 |
| Equity capital to assets | 12.4452% | 1,741 |
| Core capital (leverage) ratio | 9.5285% | 4,333 |
| Tier 1 risk-based capital ratio | 13.6899% | 4,423 |
| Total risk-based capital ratio | 14.9450% | 4,357 |
| Memoranda: | ||
| Average total assets | $148,052,000 | 3,689 |
| Average earning assets | $118,740,750 | 4,022 |
| Average equity | $18,509,000 | 3,366 |
| Average total loans | $97,128,750 | 3,511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,835 |
| Cost of funding earning assets | 0.2165% | 5,781 |
| Net interest margin | 4.2829% | 1,064 |
| Noninterest income to average assets | 0.4512% | 3,864 |
| Noninterest expense to average assets | 2.7782% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7571% | 3,534 |
| Return on assets (ROA) | 0.7571% | 3,634 |
| Pretax return on assets | 1.0873% | 3,148 |
| Return on Equity (ROE) | 6.0464% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.8645% | 3,717 |
| Net charge-offs to loans | -0.0062% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8706% | 3,369 |
| Assets per employee ($millions) | 4.5691% | 2,813 |
| Cash dividends to net income (ytd only)* | 36.0862% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.9514% | 2,592 |
| Net loans and leases to deposits | 77.0947% | 2,914 |
| Net loans and leases to core deposits | 84.3147% | 2,702 |
| Total domestic deposits to total assets | 86.8431% | 2,552 |
| Equity capital to assets | 12.7301% | 1,525 |
| Core capital (leverage) ratio | 9.7034% | 4,035 |
| Tier 1 risk-based capital ratio | 13.3884% | 4,654 |
| Total risk-based capital ratio | 14.6431% | 4,603 |
| Memoranda: | ||
| Average total assets | $147,147,670 | 3,728 |
| Average earning assets | $117,302,670 | 4,074 |
| Average equity | $18,424,330 | 3,374 |
| Average total loans | $96,852,670 | 3,520 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 1,939 |
| Cost of funding earning assets | 0.2210% | 5,843 |
| Net interest margin | 4.2370% | 1,126 |
| Noninterest income to average assets | 0.4986% | 3,420 |
| Noninterest expense to average assets | 2.9374% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6666% | 3,861 |
| Return on assets (ROA) | 0.6666% | 3,948 |
| Pretax return on assets | 0.9376% | 3,566 |
| Return on Equity (ROE) | 5.3682% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.1860% | 4,215 |
| Net charge-offs to loans | -0.0042% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8042% | 2,833 |
| Assets per employee ($millions) | 4.6123% | 2,790 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 2,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.4256% | 2,823 |
| Net loans and leases to deposits | 73.9827% | 3,063 |
| Net loans and leases to core deposits | 81.0085% | 2,850 |
| Total domestic deposits to total assets | 87.0820% | 2,755 |
| Equity capital to assets | 12.4688% | 1,595 |
| Core capital (leverage) ratio | 9.5313% | 4,237 |
| Tier 1 risk-based capital ratio | 13.4989% | 4,676 |
| Total risk-based capital ratio | 14.7546% | 4,616 |
| Memoranda: | ||
| Average total assets | $147,615,500 | 3,741 |
| Average earning assets | $117,630,000 | 4,099 |
| Average equity | $18,330,000 | 3,378 |
| Average total loans | $95,502,500 | 3,568 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 1,644 |
| Cost of funding earning assets | 0.2662% | 5,858 |
| Net interest margin | 4.4070% | 898 |
| Noninterest income to average assets | 0.4623% | 4,011 |
| Noninterest expense to average assets | 2.8748% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8389% | 3,093 |
| Return on assets (ROA) | 0.8278% | 3,230 |
| Pretax return on assets | 1.1204% | 2,885 |
| Return on Equity (ROE) | 6.7618% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.4555% | 3,003 |
| Net charge-offs to loans | -0.0033% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6855% | 3,541 |
| Assets per employee ($millions) | 4.7625% | 2,497 |
| Cash dividends to net income (ytd only)* | 34.1079% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 2,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 62.7199% | 3,249 |
| Net loans and leases to deposits | 71.8981% | 3,531 |
| Net loans and leases to core deposits | 77.2334% | 3,460 |
| Total domestic deposits to total assets | 87.2344% | 2,611 |
| Equity capital to assets | 12.3660% | 1,583 |
| Core capital (leverage) ratio | 9.5320% | 4,214 |
| Tier 1 risk-based capital ratio | 13.7318% | 4,498 |
| Total risk-based capital ratio | 14.9880% | 4,435 |
| Memoranda: | ||
| Average total assets | $145,574,600 | 3,777 |
| Average earning assets | $117,200,600 | 4,103 |
| Average equity | $17,820,600 | 3,445 |
| Average total loans | $91,288,200 | 3,658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 1,649 |
| Cost of funding earning assets | 0.2794% | 5,893 |
| Net interest margin | 4.4019% | 890 |
| Noninterest income to average assets | 0.4651% | 4,037 |
| Noninterest expense to average assets | 2.9201% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8229% | 3,235 |
| Return on assets (ROA) | 0.8079% | 3,435 |
| Pretax return on assets | 1.0873% | 3,161 |
| Return on Equity (ROE) | 6.6170% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.2909% | 3,627 |
| Net charge-offs to loans | -0.0044% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5011% | 3,317 |
| Assets per employee ($millions) | 4.3324% | 3,169 |
| Cash dividends to net income (ytd only)* | 35.1536% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 2,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.2918% | 3,478 |
| Net loans and leases to deposits | 70.1835% | 3,762 |
| Net loans and leases to core deposits | 75.6978% | 3,647 |
| Total domestic deposits to total assets | 87.3308% | 2,493 |
| Equity capital to assets | 12.2422% | 1,752 |
| Core capital (leverage) ratio | 9.0121% | 5,112 |
| Tier 1 risk-based capital ratio | 13.8926% | 4,503 |
| Total risk-based capital ratio | 15.1490% | 4,453 |
| Memoranda: | ||
| Average total assets | $145,058,500 | 3,825 |
| Average earning assets | $117,401,250 | 4,138 |
| Average equity | $17,711,500 | 3,501 |
| Average total loans | $90,545,750 | 3,703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 1,730 |
| Cost of funding earning assets | 0.2709% | 6,045 |
| Net interest margin | 4.3682% | 903 |
| Noninterest income to average assets | 0.4324% | 4,295 |
| Noninterest expense to average assets | 2.9575% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8031% | 3,281 |
| Return on assets (ROA) | 0.7803% | 3,566 |
| Pretax return on assets | 1.0422% | 3,323 |
| Return on Equity (ROE) | 6.3962% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.0445% | 3,727 |
| Net charge-offs to loans | -0.0022% | 5,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3838% | 3,245 |
| Assets per employee ($millions) | 4.2395% | 3,271 |
| Cash dividends to net income (ytd only)* | 36.7673% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.6233% | 3,553 |
| Net loans and leases to deposits | 69.2146% | 3,829 |
| Net loans and leases to core deposits | 74.3772% | 3,747 |
| Total domestic deposits to total assets | 87.5874% | 2,497 |
| Equity capital to assets | 11.9920% | 1,917 |
| Core capital (leverage) ratio | 9.2821% | 4,572 |
| Tier 1 risk-based capital ratio | 13.7682% | 4,589 |
| Total risk-based capital ratio | 15.0249% | 4,556 |
| Memoranda: | ||
| Average total assets | $144,310,670 | 3,868 |
| Average earning assets | $118,857,670 | 4,144 |
| Average equity | $17,604,330 | 3,538 |
| Average total loans | $90,080,000 | 3,724 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 1,850 |
| Cost of funding earning assets | 0.2798% | 6,110 |
| Net interest margin | 4.3109% | 949 |
| Noninterest income to average assets | 0.4808% | 3,917 |
| Noninterest expense to average assets | 3.0701% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6916% | 3,733 |
| Return on assets (ROA) | 0.6916% | 3,879 |
| Pretax return on assets | 0.9193% | 3,691 |
| Return on Equity (ROE) | 5.6198% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.2668% | 4,292 |
| Net charge-offs to loans | -0.0045% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9556% | 2,771 |
| Assets per employee ($millions) | 4.0722% | 3,791 |
| Cash dividends to net income (ytd only)* | 41.8699% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 2,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 61.9766% | 3,067 |
| Net loans and leases to deposits | 71.1167% | 3,309 |
| Net loans and leases to core deposits | 76.1546% | 3,302 |
| Total domestic deposits to total assets | 87.1478% | 2,868 |
| Equity capital to assets | 12.3351% | 1,817 |
| Core capital (leverage) ratio | 9.3606% | 4,302 |
| Tier 1 risk-based capital ratio | 13.9227% | 4,565 |
| Total risk-based capital ratio | 15.1485% | 4,537 |
| Memoranda: | ||
| Average total assets | $142,275,000 | 3,947 |
| Average earning assets | $115,799,000 | 4,246 |
| Average equity | $17,509,500 | 3,594 |
| Average total loans | $89,314,500 | 3,764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 1,583 |
| Cost of funding earning assets | 0.3368% | 6,286 |
| Net interest margin | 4.6543% | 710 |
| Noninterest income to average assets | 0.4719% | 4,085 |
| Noninterest expense to average assets | 3.1424% | 2,800 |
| Loan and lease loss provision to assets | 0.0598% | 5,031 |
| Net operating income to assets | 0.7628% | 3,448 |
| Return on assets (ROA) | 0.7628% | 3,698 |
| Pretax return on assets | 1.1764% | 2,881 |
| Return on Equity (ROE) | 5.9792% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.3531% | 3,861 |
| Net charge-offs to loans | 0.0232% | 5,575 |
| Credit loss provision to net charge-offs | 380.9524% | 642 |
| Earnings coverage of net charge-offs (x) | 78.7143% | 487 |
| Efficiency ratio | 71.7677% | 3,464 |
| Assets per employee ($millions) | 4.0578% | 3,840 |
| Cash dividends to net income (ytd only)* | 43.9216% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 2,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.2454% | 3,380 |
| Net loans and leases to deposits | 70.2522% | 3,672 |
| Net loans and leases to core deposits | 75.3424% | 3,620 |
| Total domestic deposits to total assets | 87.1795% | 2,721 |
| Equity capital to assets | 12.2784% | 1,869 |
| Core capital (leverage) ratio | 9.3655% | 4,308 |
| Tier 1 risk-based capital ratio | 13.1568% | 4,998 |
| Total risk-based capital ratio | 14.4133% | 4,933 |
| Memoranda: | ||
| Average total assets | $133,717,400 | 4,069 |
| Average earning assets | $112,241,000 | 4,285 |
| Average equity | $17,059,000 | 3,620 |
| Average total loans | $90,390,400 | 3,739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 1,666 |
| Cost of funding earning assets | 0.3513% | 6,367 |
| Net interest margin | 4.6620% | 731 |
| Noninterest income to average assets | 0.4335% | 4,398 |
| Noninterest expense to average assets | 3.1610% | 2,678 |
| Loan and lease loss provision to assets | 0.0810% | 4,619 |
| Net operating income to assets | 0.7272% | 3,786 |
| Return on assets (ROA) | 0.7272% | 4,035 |
| Pretax return on assets | 1.1293% | 3,238 |
| Return on Equity (ROE) | 5.6431% | 4,511 |
| Retained earnings to average equity (ytd only) | 2.9630% | 4,777 |
| Net charge-offs to loans | 0.0308% | 5,220 |
| Credit loss provision to net charge-offs | 380.9524% | 709 |
| Earnings coverage of net charge-offs (x) | 56.9032% | 685 |
| Efficiency ratio | 72.3123% | 3,265 |
| Assets per employee ($millions) | 3.8599% | 4,177 |
| Cash dividends to net income (ytd only)* | 47.4935% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 2,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 64.2851% | 2,980 |
| Net loans and leases to deposits | 74.0887% | 3,269 |
| Net loans and leases to core deposits | 80.3237% | 3,164 |
| Total domestic deposits to total assets | 86.7678% | 2,819 |
| Equity capital to assets | 12.7636% | 1,733 |
| Core capital (leverage) ratio | 9.6042% | 4,110 |
| Tier 1 risk-based capital ratio | 12.8801% | 5,343 |
| Total risk-based capital ratio | 14.1361% | 5,306 |
| Memoranda: | ||
| Average total assets | $131,641,250 | 4,144 |
| Average earning assets | $111,194,250 | 4,358 |
| Average equity | $16,964,250 | 3,665 |
| Average total loans | $90,828,500 | 3,766 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 1,510 |
| Cost of funding earning assets | 0.3693% | 6,421 |
| Net interest margin | 4.7279% | 637 |
| Noninterest income to average assets | 0.4399% | 4,366 |
| Noninterest expense to average assets | 3.2355% | 2,478 |
| Loan and lease loss provision to assets | 0.0920% | 4,415 |
| Net operating income to assets | 0.6774% | 3,988 |
| Return on assets (ROA) | 0.6774% | 4,252 |
| Pretax return on assets | 1.0560% | 3,489 |
| Return on Equity (ROE) | 5.2397% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.5606% | 4,907 |
| Net charge-offs to loans | 0.0458% | 4,749 |
| Credit loss provision to net charge-offs | 285.7143% | 1,023 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 963 |
| Efficiency ratio | 73.8112% | 3,110 |
| Assets per employee ($millions) | 3.7140% | 4,491 |
| Cash dividends to net income (ytd only)* | 51.1312% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 3,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 70.6391% | 1,797 |
| Net loans and leases to deposits | 81.7796% | 2,143 |
| Net loans and leases to core deposits | 85.3278% | 2,511 |
| Total domestic deposits to total assets | 86.3773% | 3,149 |
| Equity capital to assets | 13.1419% | 1,455 |
| Core capital (leverage) ratio | 9.7099% | 3,820 |
| Tier 1 risk-based capital ratio | 12.5652% | 5,525 |
| Total risk-based capital ratio | 13.8088% | 5,507 |
| Memoranda: | ||
| Average total assets | $130,490,000 | 4,198 |
| Average earning assets | $108,843,330 | 4,439 |
| Average equity | $16,871,330 | 3,661 |
| Average total loans | $91,604,000 | 3,766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 1,893 |
| Cost of funding earning assets | 0.3867% | 6,477 |
| Net interest margin | 4.6111% | 810 |
| Noninterest income to average assets | 0.4253% | 4,481 |
| Noninterest expense to average assets | 3.2186% | 2,539 |
| Loan and lease loss provision to assets | 0.0918% | 4,204 |
| Net operating income to assets | 0.6425% | 4,154 |
| Return on assets (ROA) | 0.6425% | 4,362 |
| Pretax return on assets | 0.9821% | 3,740 |
| Return on Equity (ROE) | 5.0103% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.3381% | 5,095 |
| Net charge-offs to loans | 0.0926% | 3,595 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,341 |
| Efficiency ratio | 74.9822% | 2,945 |
| Assets per employee ($millions) | 3.7241% | 4,597 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 3,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 67.6510% | 2,177 |
| Net loans and leases to deposits | 78.1569% | 2,481 |
| Net loans and leases to core deposits | 81.7464% | 2,866 |
| Total domestic deposits to total assets | 86.5579% | 3,205 |
| Equity capital to assets | 12.8997% | 1,487 |
| Core capital (leverage) ratio | 9.3681% | 4,242 |
| Tier 1 risk-based capital ratio | 12.7390% | 5,408 |
| Total risk-based capital ratio | 13.9950% | 5,377 |
| Memoranda: | ||
| Average total assets | $130,740,500 | 4,214 |
| Average earning assets | $109,649,000 | 4,445 |
| Average equity | $16,765,500 | 3,684 |
| Average total loans | $90,676,500 | 3,809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 2,112 |
| Cost of funding earning assets | 0.4855% | 6,594 |
| Net interest margin | 4.7031% | 752 |
| Noninterest income to average assets | 0.4625% | 4,114 |
| Noninterest expense to average assets | 3.3214% | 2,451 |
| Loan and lease loss provision to assets | 0.0941% | 5,416 |
| Net operating income to assets | 0.7839% | 3,118 |
| Return on assets (ROA) | 0.7839% | 3,280 |
| Pretax return on assets | 0.9885% | 3,282 |
| Return on Equity (ROE) | 6.0798% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,906 |
| Net charge-offs to loans | 0.0036% | 6,399 |
| Credit loss provision to net charge-offs | 4,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 460.3333% | 76 |
| Efficiency ratio | 75.4183% | 2,990 |
| Assets per employee ($millions) | 3.6427% | 4,682 |
| Cash dividends to net income (ytd only)* | 46.4000% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 3,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 68.6084% | 2,292 |
| Net loans and leases to deposits | 79.3507% | 2,630 |
| Net loans and leases to core deposits | 82.7990% | 3,058 |
| Total domestic deposits to total assets | 86.4622% | 3,049 |
| Equity capital to assets | 12.7477% | 1,626 |
| Core capital (leverage) ratio | 9.2782% | 4,362 |
| Tier 1 risk-based capital ratio | 13.5703% | 4,639 |
| Total risk-based capital ratio | 14.8278% | 4,610 |
| Memoranda: | ||
| Average total assets | $127,567,200 | 4,222 |
| Average earning assets | $106,907,800 | 4,481 |
| Average equity | $16,447,800 | 3,656 |
| Average total loans | $84,496,400 | 4,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 2,167 |
| Cost of funding earning assets | 0.5112% | 6,657 |
| Net interest margin | 4.7001% | 764 |
| Noninterest income to average assets | 0.4852% | 3,996 |
| Noninterest expense to average assets | 3.4239% | 2,128 |
| Loan and lease loss provision to assets | 0.0947% | 5,279 |
| Net operating income to assets | 0.7736% | 3,287 |
| Return on assets (ROA) | 0.7736% | 3,445 |
| Pretax return on assets | 0.8862% | 3,821 |
| Return on Equity (ROE) | 5.9826% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.1418% | 4,460 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7300% | 2,581 |
| Assets per employee ($millions) | 3.7710% | 4,365 |
| Cash dividends to net income (ytd only)* | 47.4826% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 3,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.8034% | 2,946 |
| Net loans and leases to deposits | 75.7411% | 3,369 |
| Net loans and leases to core deposits | 78.6307% | 3,811 |
| Total domestic deposits to total assets | 86.8795% | 2,727 |
| Equity capital to assets | 12.5515% | 1,889 |
| Core capital (leverage) ratio | 9.5481% | 4,084 |
| Tier 1 risk-based capital ratio | 13.8515% | 4,455 |
| Total risk-based capital ratio | 15.1170% | 4,400 |
| Memoranda: | ||
| Average total assets | $126,674,750 | 4,257 |
| Average earning assets | $105,640,750 | 4,534 |
| Average equity | $16,380,500 | 3,679 |
| Average total loans | $82,728,500 | 4,096 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 2,421 |
| Cost of funding earning assets | 0.5353% | 6,723 |
| Net interest margin | 4.6242% | 864 |
| Noninterest income to average assets | 0.5140% | 3,754 |
| Noninterest expense to average assets | 3.4378% | 2,158 |
| Loan and lease loss provision to assets | 0.0961% | 5,125 |
| Net operating income to assets | 0.8534% | 2,841 |
| Return on assets (ROA) | 0.8534% | 2,934 |
| Pretax return on assets | 0.8534% | 3,818 |
| Return on Equity (ROE) | 6.5324% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.6645% | 3,891 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3577% | 2,650 |
| Assets per employee ($millions) | 3.6612% | 4,535 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,838 |
| Loan loss allowance to noncurrent loans | 7,333.3333% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,075 |
| Noncurrent loans to loans | 0.0252% | 6,928 |
| Net loans and leases to total assets | 65.7610% | 3,079 |
| Net loans and leases to deposits | 76.2247% | 3,423 |
| Net loans and leases to core deposits | 79.1002% | 3,914 |
| Total domestic deposits to total assets | 86.2726% | 3,172 |
| Equity capital to assets | 13.2390% | 1,416 |
| Core capital (leverage) ratio | 9.6523% | 3,731 |
| Tier 1 risk-based capital ratio | 14.3764% | 3,885 |
| Total risk-based capital ratio | 15.6345% | 3,850 |
| Memoranda: | ||
| Average total assets | $124,905,000 | 4,324 |
| Average earning assets | $104,624,000 | 4,593 |
| Average equity | $16,318,670 | 3,679 |
| Average total loans | $80,831,330 | 4,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 2,576 |
| Cost of funding earning assets | 0.5634% | 6,750 |
| Net interest margin | 4.5527% | 956 |
| Noninterest income to average assets | 0.4636% | 4,161 |
| Noninterest expense to average assets | 3.4176% | 2,229 |
| Loan and lease loss provision to assets | 0.1279% | 4,395 |
| Net operating income to assets | 0.7417% | 3,318 |
| Return on assets (ROA) | 0.7417% | 3,383 |
| Pretax return on assets | 0.7417% | 4,138 |
| Return on Equity (ROE) | 5.7150% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.8329% | 4,469 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7166% | 2,581 |
| Assets per employee ($millions) | 3.7099% | 4,512 |
| Cash dividends to net income (ytd only)* | 50.4310% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 6,880 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 62.0603% | 3,846 |
| Net loans and leases to deposits | 71.6590% | 4,117 |
| Net loans and leases to core deposits | 74.1325% | 4,528 |
| Total domestic deposits to total assets | 86.6050% | 3,178 |
| Equity capital to assets | 12.9185% | 1,417 |
| Core capital (leverage) ratio | 9.3164% | 4,104 |
| Tier 1 risk-based capital ratio | 14.5141% | 3,729 |
| Total risk-based capital ratio | 15.7729% | 3,687 |
| Memoranda: | ||
| Average total assets | $125,117,000 | 4,357 |
| Average earning assets | $105,080,500 | 4,612 |
| Average equity | $16,238,000 | 3,686 |
| Average total loans | $79,547,000 | 4,270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 3,779 |
| Cost of funding earning assets | 0.9307% | 6,028 |
| Net interest margin | 4.2346% | 2,048 |
| Noninterest income to average assets | 0.2381% | 6,092 |
| Noninterest expense to average assets | 3.3935% | 2,451 |
| Loan and lease loss provision to assets | 0.3464% | 4,055 |
| Net operating income to assets | 0.1290% | 5,509 |
| Return on assets (ROA) | 0.1290% | 5,656 |
| Pretax return on assets | 0.1290% | 5,647 |
| Return on Equity (ROE) | 1.0225% | 5,681 |
| Retained earnings to average equity (ytd only) | -0.5113% | 5,712 |
| Net charge-offs to loans | 0.0553% | 6,238 |
| Credit loss provision to net charge-offs | 1,011.6279% | 217 |
| Earnings coverage of net charge-offs (x) | 13.8837% | 1,381 |
| Efficiency ratio | 87.7110% | 1,504 |
| Assets per employee ($millions) | 3.6499% | 4,580 |
| Cash dividends to net income (ytd only)* | 150.0000% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 2,649 |
| Loan loss allowance to noncurrent loans | 123.1281% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 4,574 |
| Noncurrent loans to loans | 1.5159% | 4,210 |
| Net loans and leases to total assets | 62.7034% | 4,130 |
| Net loans and leases to deposits | 72.5786% | 4,418 |
| Net loans and leases to core deposits | 74.9088% | 4,859 |
| Total domestic deposits to total assets | 86.3937% | 3,143 |
| Equity capital to assets | 13.0390% | 1,376 |
| Core capital (leverage) ratio | 9.3190% | 3,979 |
| Tier 1 risk-based capital ratio | 13.9485% | 3,903 |
| Total risk-based capital ratio | 15.1944% | 3,872 |
| Memoranda: | ||
| Average total assets | $125,564,800 | 4,359 |
| Average earning assets | $107,661,400 | 4,521 |
| Average equity | $15,843,000 | 3,800 |
| Average total loans | $77,777,200 | 4,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 4,050 |
| Cost of funding earning assets | 1.0358% | 5,770 |
| Net interest margin | 4.1198% | 2,532 |
| Noninterest income to average assets | 0.2298% | 6,255 |
| Noninterest expense to average assets | 3.2239% | 2,838 |
| Loan and lease loss provision to assets | 0.4182% | 3,395 |
| Net operating income to assets | 0.1080% | 5,752 |
| Return on assets (ROA) | 0.1080% | 5,904 |
| Pretax return on assets | 0.1080% | 5,897 |
| Return on Equity (ROE) | 0.8630% | 5,925 |
| Retained earnings to average equity (ytd only) | -1.1930% | 6,048 |
| Net charge-offs to loans | 0.0741% | 5,780 |
| Credit loss provision to net charge-offs | 918.6047% | 318 |
| Earnings coverage of net charge-offs (x) | 11.5585% | 1,781 |
| Efficiency ratio | 85.9684% | 1,636 |
| Assets per employee ($millions) | 3.6416% | 4,640 |
| Cash dividends to net income (ytd only)* | 238.2279% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 2,346 |
| Loan loss allowance to noncurrent loans | 757.8947% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 6,665 |
| Noncurrent loans to loans | 0.2576% | 6,668 |
| Net loans and leases to total assets | 58.4170% | 5,198 |
| Net loans and leases to deposits | 67.2309% | 5,518 |
| Net loans and leases to core deposits | 70.2114% | 5,725 |
| Total domestic deposits to total assets | 86.8901% | 2,589 |
| Equity capital to assets | 13.0202% | 1,566 |
| Core capital (leverage) ratio | 9.0152% | 4,672 |
| Tier 1 risk-based capital ratio | 14.1475% | 3,725 |
| Total risk-based capital ratio | 15.4043% | 3,692 |
| Memoranda: | ||
| Average total assets | $125,931,750 | 4,417 |
| Average earning assets | $107,607,250 | 4,579 |
| Average equity | $15,758,500 | 3,850 |
| Average total loans | $77,398,250 | 4,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 4,012 |
| Cost of funding earning assets | 1.1149% | 5,598 |
| Net interest margin | 4.0732% | 2,688 |
| Noninterest income to average assets | 0.2290% | 6,273 |
| Noninterest expense to average assets | 3.1523% | 3,082 |
| Loan and lease loss provision to assets | 0.1895% | 4,983 |
| Net operating income to assets | 0.3317% | 5,055 |
| Return on assets (ROA) | 0.3317% | 5,213 |
| Pretax return on assets | 0.3317% | 5,419 |
| Return on Equity (ROE) | 2.6858% | 5,380 |
| Retained earnings to average equity (ytd only) | -0.4221% | 5,828 |
| Net charge-offs to loans | 0.1094% | 5,067 |
| Credit loss provision to net charge-offs | 279.0698% | 1,332 |
| Earnings coverage of net charge-offs (x) | 7.6744% | 2,261 |
| Efficiency ratio | 85.8126% | 1,733 |
| Assets per employee ($millions) | 3.8344% | 4,142 |
| Cash dividends to net income (ytd only)* | 115.7143% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,700 |
| Loan loss allowance to noncurrent loans | 147.6553% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 5,616 |
| Noncurrent loans to loans | 1.0446% | 5,218 |
| Net loans and leases to total assets | 58.7698% | 5,289 |
| Net loans and leases to deposits | 67.3322% | 5,640 |
| Net loans and leases to core deposits | 71.4876% | 5,724 |
| Total domestic deposits to total assets | 87.2835% | 2,387 |
| Equity capital to assets | 12.6272% | 1,726 |
| Core capital (leverage) ratio | 9.1295% | 4,410 |
| Tier 1 risk-based capital ratio | 13.9115% | 3,791 |
| Total risk-based capital ratio | 15.1648% | 3,750 |
| Memoranda: | ||
| Average total assets | $126,637,330 | 4,434 |
| Average earning assets | $107,090,330 | 4,621 |
| Average equity | $15,637,670 | 3,861 |
| Average total loans | $78,608,000 | 4,490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 3,711 |
| Cost of funding earning assets | 1.1621% | 5,594 |
| Net interest margin | 4.1024% | 2,426 |
| Noninterest income to average assets | 0.2052% | 6,497 |
| Noninterest expense to average assets | 3.1731% | 2,964 |
| Loan and lease loss provision to assets | 0.1894% | 4,604 |
| Net operating income to assets | 0.3315% | 5,159 |
| Return on assets (ROA) | 0.3315% | 5,287 |
| Pretax return on assets | 0.3315% | 5,520 |
| Return on Equity (ROE) | 2.7154% | 5,471 |
| Retained earnings to average equity (ytd only) | 0.3879% | 5,681 |
| Net charge-offs to loans | -0.0100% | 6,889 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8974% | 1,805 |
| Assets per employee ($millions) | 3.6031% | 4,809 |
| Cash dividends to net income (ytd only)* | 85.7143% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,182 |
| Loan loss allowance to noncurrent loans | 131.8807% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 5,498 |
| Noncurrent loans to loans | 1.0967% | 5,164 |
| Net loans and leases to total assets | 62.1364% | 4,731 |
| Net loans and leases to deposits | 70.9163% | 5,213 |
| Net loans and leases to core deposits | 75.3582% | 5,349 |
| Total domestic deposits to total assets | 87.6193% | 2,284 |
| Equity capital to assets | 12.2712% | 1,895 |
| Core capital (leverage) ratio | 8.6714% | 5,069 |
| Tier 1 risk-based capital ratio | 13.0970% | 4,261 |
| Total risk-based capital ratio | 14.3500% | 4,230 |
| Memoranda: | ||
| Average total assets | $126,688,000 | 4,488 |
| Average earning assets | $107,740,500 | 4,663 |
| Average equity | $15,467,500 | 3,933 |
| Average total loans | $80,147,000 | 4,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 3,525 |
| Cost of funding earning assets | 1.6148% | 4,968 |
| Net interest margin | 4.0006% | 2,859 |
| Noninterest income to average assets | 0.1957% | 6,695 |
| Noninterest expense to average assets | 3.0320% | 4,021 |
| Loan and lease loss provision to assets | 0.1165% | 6,481 |
| Net operating income to assets | 0.5452% | 3,550 |
| Return on assets (ROA) | 0.5452% | 3,638 |
| Pretax return on assets | 0.5452% | 4,064 |
| Return on Equity (ROE) | 4.6733% | 3,809 |
| Retained earnings to average equity (ytd only) | 1.3580% | 4,102 |
| Net charge-offs to loans | 0.0049% | 7,178 |
| Credit loss provision to net charge-offs | 3,750.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 131 |
| Efficiency ratio | 82.0858% | 2,587 |
| Assets per employee ($millions) | 3.8566% | 4,127 |
| Cash dividends to net income (ytd only)* | 70.9402% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,500 |
| Loan loss allowance to noncurrent loans | 130.6122% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 5,509 |
| Noncurrent loans to loans | 1.0311% | 5,255 |
| Net loans and leases to total assets | 62.6214% | 4,885 |
| Net loans and leases to deposits | 71.3779% | 5,419 |
| Net loans and leases to core deposits | 93.5246% | 4,724 |
| Total domestic deposits to total assets | 87.7322% | 2,105 |
| Equity capital to assets | 12.1476% | 1,941 |
| Core capital (leverage) ratio | 8.2624% | 5,698 |
| Tier 1 risk-based capital ratio | 11.4654% | 5,434 |
| Total risk-based capital ratio | 12.6605% | 5,462 |
| Memoranda: | ||
| Average total assets | $128,760,600 | 4,363 |
| Average earning assets | $112,582,400 | 4,493 |
| Average equity | $15,021,600 | 4,051 |
| Average total loans | $81,151,000 | 4,466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6388% | 3,642 |
| Cost of funding earning assets | 1.6849% | 4,978 |
| Net interest margin | 3.9538% | 3,019 |
| Noninterest income to average assets | 0.1982% | 6,798 |
| Noninterest expense to average assets | 3.0355% | 3,900 |
| Loan and lease loss provision to assets | 0.0929% | 6,436 |
| Net operating income to assets | 0.5441% | 3,815 |
| Return on assets (ROA) | 0.5441% | 3,898 |
| Pretax return on assets | 0.5441% | 4,379 |
| Return on Equity (ROE) | 4.7120% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.4677% | 3,949 |
| Net charge-offs to loans | 0.0016% | 6,970 |
| Credit loss provision to net charge-offs | 9,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 618.5338% | 47 |
| Efficiency ratio | 82.6539% | 2,490 |
| Assets per employee ($millions) | 3.6386% | 4,580 |
| Cash dividends to net income (ytd only)* | 47.6283% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 5,001 |
| Loan loss allowance to noncurrent loans | 2,195.7447% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 7,108 |
| Noncurrent loans to loans | 0.0556% | 7,367 |
| Net loans and leases to total assets | 62.0337% | 5,236 |
| Net loans and leases to deposits | 70.2394% | 5,883 |
| Net loans and leases to core deposits | 97.4755% | 4,662 |
| Total domestic deposits to total assets | 88.3176% | 1,508 |
| Equity capital to assets | 11.4789% | 2,601 |
| Core capital (leverage) ratio | 8.0056% | 6,343 |
| Tier 1 risk-based capital ratio | 10.7802% | 6,184 |
| Total risk-based capital ratio | 11.8466% | 6,321 |
| Memoranda: | ||
| Average total assets | $129,133,750 | 4,387 |
| Average earning assets | $113,473,000 | 4,498 |
| Average equity | $14,912,000 | 4,110 |
| Average total loans | $81,242,500 | 4,515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 3,676 |
| Cost of funding earning assets | 1.7473% | 5,029 |
| Net interest margin | 3.9309% | 2,974 |
| Noninterest income to average assets | 0.2042% | 6,830 |
| Noninterest expense to average assets | 3.0714% | 3,810 |
| Loan and lease loss provision to assets | 0.0943% | 6,226 |
| Net operating income to assets | 0.4917% | 4,118 |
| Return on assets (ROA) | 0.4917% | 4,241 |
| Pretax return on assets | 0.4917% | 4,650 |
| Return on Equity (ROE) | 4.2494% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.5524% | 3,908 |
| Net charge-offs to loans | 0.0125% | 6,382 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 74.6000% | 508 |
| Efficiency ratio | 83.9777% | 2,475 |
| Assets per employee ($millions) | 3.7009% | 4,327 |
| Cash dividends to net income (ytd only)* | 39.9361% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,020 |
| Loan loss allowance to noncurrent loans | 164.5215% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 6,303 |
| Noncurrent loans to loans | 0.7227% | 5,792 |
| Net loans and leases to total assets | 62.1875% | 5,326 |
| Net loans and leases to deposits | 70.3826% | 5,941 |
| Net loans and leases to core deposits | 94.7801% | 5,029 |
| Total domestic deposits to total assets | 88.3563% | 1,594 |
| Equity capital to assets | 11.3742% | 2,617 |
| Core capital (leverage) ratio | 8.0203% | 6,290 |
| Tier 1 risk-based capital ratio | 10.6959% | 6,189 |
| Total risk-based capital ratio | 11.7484% | 6,326 |
| Memoranda: | ||
| Average total assets | $127,301,670 | 4,448 |
| Average earning assets | $111,831,670 | 4,578 |
| Average equity | $14,731,330 | 4,153 |
| Average total loans | $80,140,670 | 4,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8305% | 3,136 |
| Cost of funding earning assets | 1.7920% | 5,149 |
| Net interest margin | 4.0385% | 2,495 |
| Noninterest income to average assets | 0.2220% | 6,696 |
| Noninterest expense to average assets | 3.1559% | 3,169 |
| Loan and lease loss provision to assets | 0.0965% | 5,727 |
| Net operating income to assets | 0.4858% | 4,487 |
| Return on assets (ROA) | 0.4858% | 4,680 |
| Pretax return on assets | 0.4858% | 5,121 |
| Return on Equity (ROE) | 4.1598% | 4,864 |
| Retained earnings to average equity (ytd only) | 0.7163% | 5,377 |
| Net charge-offs to loans | 0.0051% | 5,627 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 239 |
| Efficiency ratio | 84.4234% | 2,259 |
| Assets per employee ($millions) | 3.5590% | 4,678 |
| Cash dividends to net income (ytd only)* | 82.7815% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,674 |
| Loan loss allowance to noncurrent loans | 176.4065% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 6,218 |
| Noncurrent loans to loans | 0.6910% | 5,681 |
| Net loans and leases to total assets | 61.4790% | 5,419 |
| Net loans and leases to deposits | 69.5682% | 6,017 |
| Net loans and leases to core deposits | 96.0903% | 4,959 |
| Total domestic deposits to total assets | 88.3723% | 1,531 |
| Equity capital to assets | 11.3819% | 2,667 |
| Core capital (leverage) ratio | 8.1967% | 6,112 |
| Tier 1 risk-based capital ratio | 11.0230% | 5,894 |
| Total risk-based capital ratio | 12.1436% | 5,908 |
| Memoranda: | ||
| Average total assets | $124,337,000 | 4,530 |
| Average earning assets | $108,257,500 | 4,682 |
| Average equity | $14,520,000 | 4,225 |
| Average total loans | $78,286,000 | 4,671 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4374% | 3,238 |
| Cost of funding earning assets | 2.3158% | 5,080 |
| Net interest margin | 4.1216% | 2,619 |
| Noninterest income to average assets | 0.1805% | 7,151 |
| Noninterest expense to average assets | 3.3226% | 2,893 |
| Loan and lease loss provision to assets | 0.0693% | 6,527 |
| Net operating income to assets | 0.4594% | 4,912 |
| Return on assets (ROA) | 0.4594% | 4,732 |
| Pretax return on assets | 0.4594% | 5,098 |
| Return on Equity (ROE) | 3.7909% | 4,898 |
| Retained earnings to average equity (ytd only) | -0.1835% | 5,334 |
| Net charge-offs to loans | 0.0119% | 6,754 |
| Credit loss provision to net charge-offs | 1,012.5000% | 436 |
| Earnings coverage of net charge-offs (x) | 77.2500% | 532 |
| Efficiency ratio | 83.4962% | 2,116 |
| Assets per employee ($millions) | 4.0183% | 3,476 |
| Cash dividends to net income (ytd only)* | 104.8417% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,336 |
| Loan loss allowance to noncurrent loans | 177.5895% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 5,894 |
| Noncurrent loans to loans | 0.6911% | 5,311 |
| Net loans and leases to total assets | 62.9512% | 5,462 |
| Net loans and leases to deposits | 71.7302% | 6,086 |
| Net loans and leases to core deposits | 97.0968% | 5,142 |
| Total domestic deposits to total assets | 87.7610% | 1,574 |
| Equity capital to assets | 11.9926% | 2,298 |
| Core capital (leverage) ratio | 8.2374% | 6,086 |
| Tier 1 risk-based capital ratio | 11.0877% | 5,655 |
| Total risk-based capital ratio | 12.1959% | 5,683 |
| Memoranda: | ||
| Average total assets | $116,897,400 | 4,592 |
| Average earning assets | $104,110,800 | 4,678 |
| Average equity | $14,165,400 | 4,305 |
| Average total loans | $67,026,000 | 4,976 |