Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5841% | 321 |
| Cost of funding earning assets | 2.6890% | 254 |
| Net interest margin | 3.8951% | 1,387 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.4002% | 657 |
| Loan and lease loss provision to assets | -0.5000% | 4,587 |
| Net operating income to assets | 0.9630% | 2,327 |
| Return on assets (ROA) | 0.9630% | 2,316 |
| Pretax return on assets | 1.0475% | 2,543 |
| Return on Equity (ROE) | 9.4300% | 2,653 |
| Retained earnings to average equity (ytd only) | -33.0540% | 4,547 |
| Net charge-offs to loans | -0.8293% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.0192% | 562 |
| Assets per employee ($millions) | 5.4551% | 3,289 |
| Cash dividends to net income (ytd only)* | 450.3433% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 1,635 |
| Loan loss allowance to noncurrent loans | 91.2553% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4806% | 259 |
| Noncurrent loans to loans | 1.4612% | 475 |
| Net loans and leases to total assets | 77.2700% | 942 |
| Net loans and leases to deposits | 91.5932% | 1,131 |
| Net loans and leases to core deposits | 107.9450% | 1,040 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 9.0756% | 2,621 |
| Core capital (leverage) ratio | 9.6973% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $332,712,400 | 2,259 |
| Average earning assets | $306,023,800 | 2,268 |
| Average equity | $33,959,600 | 2,095 |
| Average total loans | $245,502,800 | 2,026 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3512% | 355 |
| Cost of funding earning assets | 2.5148% | 269 |
| Net interest margin | 3.8363% | 1,523 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 3.5679% | 510 |
| Loan and lease loss provision to assets | -0.3700% | 4,605 |
| Net operating income to assets | 0.7137% | 3,283 |
| Return on assets (ROA) | 0.7137% | 3,272 |
| Pretax return on assets | 0.7137% | 3,524 |
| Return on Equity (ROE) | 6.8000% | 3,482 |
| Retained earnings to average equity (ytd only) | -2.3228% | 4,337 |
| Net charge-offs to loans | -0.6922% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.8728% | 349 |
| Assets per employee ($millions) | 5.2147% | 3,421 |
| Cash dividends to net income (ytd only)* | 134.1381% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,492 |
| Loan loss allowance to noncurrent loans | 62.2059% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 203 |
| Noncurrent loans to loans | 2.2315% | 241 |
| Net loans and leases to total assets | 73.7200% | 1,373 |
| Net loans and leases to deposits | 84.4350% | 1,705 |
| Net loans and leases to core deposits | 102.3796% | 1,191 |
| Total domestic deposits to total assets | 87.3000% | 1,801 |
| Equity capital to assets | 10.2032% | 1,703 |
| Core capital (leverage) ratio | 11.2765% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $332,700,500 | 2,255 |
| Average earning assets | $307,820,750 | 2,257 |
| Average equity | $34,899,500 | 2,053 |
| Average total loans | $241,728,750 | 2,049 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 10,584.0000% | 32 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 78,246.0000% | 16 |
| Cost of funding earning assets | -761.0000% | 4,664 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.2571% | 1,666 |
| Pretax return on assets | 1.2571% | 2,200 |
| Return on Equity (ROE) | 11.8800% | 2,186 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,917 |
| Efficiency ratio | 0.3051% | 4,627 |
| Assets per employee ($millions) | 1.1196% | 4,542 |
| Cash dividends to net income (ytd only)* | 1.1065% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 464 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0040% | 4,528 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 10,658.0000% | 31 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $708,000 | 4,656 |
| Average earning assets | $1,823 | 4,642 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 345 |
| Cost of funding earning assets | 1.9879% | 301 |
| Net interest margin | 3.9319% | 1,404 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 3.1605% | 846 |
| Loan and lease loss provision to assets | -0.5600% | 4,663 |
| Net operating income to assets | 1.3627% | 1,505 |
| Return on assets (ROA) | 1.3627% | 1,473 |
| Pretax return on assets | 1.3627% | 1,978 |
| Return on Equity (ROE) | 12.9300% | 2,002 |
| Retained earnings to average equity (ytd only) | -6.0701% | 4,368 |
| Net charge-offs to loans | -0.8391% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5715% | 866 |
| Assets per employee ($millions) | 5.5396% | 3,182 |
| Cash dividends to net income (ytd only)* | 146.9298% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,817 |
| Loan loss allowance to noncurrent loans | 61.5114% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 207 |
| Noncurrent loans to loans | 2.1956% | 240 |
| Net loans and leases to total assets | 69.0500% | 1,725 |
| Net loans and leases to deposits | 79.8455% | 1,824 |
| Net loans and leases to core deposits | 94.6591% | 1,350 |
| Total domestic deposits to total assets | 86.4800% | 2,454 |
| Equity capital to assets | 10.5769% | 1,526 |
| Core capital (leverage) ratio | 11.2553% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $334,631,000 | 2,289 |
| Average earning assets | $309,063,500 | 2,291 |
| Average equity | $35,255,000 | 2,073 |
| Average total loans | $235,003,000 | 2,096 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 527 |
| Cost of funding earning assets | 0.8673% | 286 |
| Net interest margin | 3.8197% | 1,120 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.7692% | 1,387 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.8755% | 3,061 |
| Return on assets (ROA) | 0.9688% | 2,626 |
| Pretax return on assets | 0.9688% | 3,160 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.6491% | 1,260 |
| Net charge-offs to loans | 0.1405% | 577 |
| Credit loss provision to net charge-offs | 212.4638% | 1,083 |
| Earnings coverage of net charge-offs (x) | 10.8841% | 2,173 |
| Efficiency ratio | 71.5241% | 1,496 |
| Assets per employee ($millions) | 5.1829% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,830 |
| Loan loss allowance to noncurrent loans | 55.1060% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 172 |
| Noncurrent loans to loans | 2.3846% | 199 |
| Net loans and leases to total assets | 69.5300% | 1,682 |
| Net loans and leases to deposits | 80.1737% | 1,759 |
| Net loans and leases to core deposits | 91.0657% | 1,453 |
| Total domestic deposits to total assets | 86.7300% | 2,482 |
| Equity capital to assets | 10.4946% | 1,452 |
| Core capital (leverage) ratio | 11.7285% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $345,155,600 | 2,242 |
| Average earning assets | $318,796,200 | 2,241 |
| Average equity | $34,656,200 | 2,125 |
| Average total loans | $245,564,000 | 1,967 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 640 |
| Cost of funding earning assets | 0.7109% | 251 |
| Net interest margin | 3.6485% | 1,275 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.6595% | 1,563 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 0.6973% | 3,574 |
| Return on assets (ROA) | 0.8210% | 3,135 |
| Pretax return on assets | 0.8210% | 3,525 |
| Return on Equity (ROE) | 8.2700% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.2670% | 1,902 |
| Net charge-offs to loans | 0.2967% | 222 |
| Credit loss provision to net charge-offs | 162.7949% | 1,090 |
| Earnings coverage of net charge-offs (x) | 4.9238% | 2,161 |
| Efficiency ratio | 71.5738% | 1,582 |
| Assets per employee ($millions) | 5.0801% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,514 |
| Loan loss allowance to noncurrent loans | 53.1434% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7535% | 168 |
| Noncurrent loans to loans | 2.2611% | 249 |
| Net loans and leases to total assets | 76.6200% | 848 |
| Net loans and leases to deposits | 91.7897% | 776 |
| Net loans and leases to core deposits | 98.6054% | 875 |
| Total domestic deposits to total assets | 83.4700% | 3,610 |
| Equity capital to assets | 10.2212% | 1,507 |
| Core capital (leverage) ratio | 10.9068% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $347,222,750 | 2,248 |
| Average earning assets | $320,712,250 | 2,249 |
| Average equity | $34,481,500 | 2,167 |
| Average total loans | $247,614,750 | 1,953 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 868 |
| Cost of funding earning assets | 0.5894% | 303 |
| Net interest margin | 3.4527% | 1,443 |
| Noninterest income to average assets | 0.3423% | 3,105 |
| Noninterest expense to average assets | 2.6206% | 1,576 |
| Loan and lease loss provision to assets | 0.4319% | 126 |
| Net operating income to assets | 0.4772% | 3,953 |
| Return on assets (ROA) | 0.6597% | 3,391 |
| Pretax return on assets | 0.6597% | 3,686 |
| Return on Equity (ROE) | 6.7041% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.7041% | 2,087 |
| Net charge-offs to loans | 0.4338% | 162 |
| Credit loss provision to net charge-offs | 143.5028% | 1,109 |
| Earnings coverage of net charge-offs (x) | 3.0207% | 2,011 |
| Efficiency ratio | 73.9563% | 1,512 |
| Assets per employee ($millions) | 5.5049% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,261 |
| Loan loss allowance to noncurrent loans | 46.5797% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 162 |
| Noncurrent loans to loans | 2.7565% | 191 |
| Net loans and leases to total assets | 67.8178% | 1,493 |
| Net loans and leases to deposits | 78.2803% | 1,520 |
| Net loans and leases to core deposits | 85.9764% | 1,339 |
| Total domestic deposits to total assets | 86.6345% | 3,063 |
| Equity capital to assets | 10.0742% | 1,674 |
| Core capital (leverage) ratio | 10.3921% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,895,000 | 2,240 |
| Average earning assets | $325,771,333 | 2,248 |
| Average equity | $34,725,000 | 2,207 |
| Average total loans | $244,797,667 | 1,968 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 1,073 |
| Cost of funding earning assets | 0.6309% | 218 |
| Net interest margin | 3.1758% | 1,955 |
| Noninterest income to average assets | 0.3475% | 3,014 |
| Noninterest expense to average assets | 2.5055% | 1,870 |
| Loan and lease loss provision to assets | 0.4449% | 112 |
| Net operating income to assets | 0.3386% | 4,078 |
| Return on assets (ROA) | 0.3386% | 4,046 |
| Pretax return on assets | 0.3386% | 4,132 |
| Return on Equity (ROE) | 3.4799% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.4799% | 3,126 |
| Net charge-offs to loans | 1.0228% | 66 |
| Credit loss provision to net charge-offs | 62.4224% | 1,164 |
| Earnings coverage of net charge-offs (x) | 1.0994% | 1,749 |
| Efficiency ratio | 75.8748% | 1,540 |
| Assets per employee ($millions) | 5.5637% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,564 |
| Loan loss allowance to noncurrent loans | 30.1077% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.4416% | 102 |
| Noncurrent loans to loans | 3.4514% | 130 |
| Net loans and leases to total assets | 66.5702% | 1,355 |
| Net loans and leases to deposits | 79.4428% | 1,187 |
| Net loans and leases to core deposits | 86.9459% | 1,082 |
| Total domestic deposits to total assets | 83.7963% | 3,803 |
| Equity capital to assets | 9.7511% | 2,087 |
| Core capital (leverage) ratio | 9.7108% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,444,000 | 2,199 |
| Average earning assets | $334,786,000 | 2,212 |
| Average equity | $35,173,000 | 2,247 |
| Average total loans | $251,850,500 | 1,928 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 537 |
| Cost of funding earning assets | 0.8966% | 118 |
| Net interest margin | 3.6692% | 1,293 |
| Noninterest income to average assets | 0.3285% | 3,449 |
| Noninterest expense to average assets | 2.4234% | 2,416 |
| Loan and lease loss provision to assets | 1.6174% | 12 |
| Net operating income to assets | -0.3123% | 4,736 |
| Return on assets (ROA) | -0.2753% | 4,738 |
| Pretax return on assets | -0.2753% | 4,739 |
| Return on Equity (ROE) | -2.8328% | 4,750 |
| Retained earnings to average equity (ytd only) | -7.6151% | 4,741 |
| Net charge-offs to loans | 2.8832% | 13 |
| Credit loss provision to net charge-offs | 77.0774% | 1,975 |
| Earnings coverage of net charge-offs (x) | 0.6219% | 2,641 |
| Efficiency ratio | 64.6782% | 2,449 |
| Assets per employee ($millions) | 5.7315% | 3,024 |
| Cash dividends to net income (ytd only)* | -168.8235% | 4,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,620 |
| Loan loss allowance to noncurrent loans | 26.9383% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.9903% | 71 |
| Noncurrent loans to loans | 3.8376% | 113 |
| Net loans and leases to total assets | 71.2737% | 903 |
| Net loans and leases to deposits | 84.8832% | 857 |
| Net loans and leases to core deposits | 92.5812% | 845 |
| Total domestic deposits to total assets | 83.9668% | 3,571 |
| Equity capital to assets | 9.7120% | 2,930 |
| Core capital (leverage) ratio | 9.2040% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,477,200 | 2,108 |
| Average earning assets | $343,291,200 | 2,112 |
| Average equity | $36,007,400 | 2,241 |
| Average total loans | $269,634,800 | 1,837 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 323 |
| Cost of funding earning assets | 0.9205% | 129 |
| Net interest margin | 4.0388% | 735 |
| Noninterest income to average assets | 0.3069% | 3,592 |
| Noninterest expense to average assets | 2.4549% | 2,259 |
| Loan and lease loss provision to assets | 0.9721% | 40 |
| Net operating income to assets | 0.6160% | 3,976 |
| Return on assets (ROA) | 0.6160% | 4,026 |
| Pretax return on assets | 0.6160% | 4,213 |
| Return on Equity (ROE) | 5.9910% | 3,916 |
| Retained earnings to average equity (ytd only) | 0.0139% | 4,558 |
| Net charge-offs to loans | 1.2671% | 49 |
| Credit loss provision to net charge-offs | 104.4879% | 1,551 |
| Earnings coverage of net charge-offs (x) | 1.7069% | 2,369 |
| Efficiency ratio | 60.4290% | 2,925 |
| Assets per employee ($millions) | 5.7625% | 2,930 |
| Cash dividends to net income (ytd only)* | 99.7683% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 1,165 |
| Loan loss allowance to noncurrent loans | 15.8107% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 7.6997% | 9 |
| Noncurrent loans to loans | 10.5841% | 14 |
| Net loans and leases to total assets | 71.5307% | 917 |
| Net loans and leases to deposits | 88.2131% | 706 |
| Net loans and leases to core deposits | 97.4109% | 677 |
| Total domestic deposits to total assets | 81.0886% | 4,078 |
| Equity capital to assets | 10.0706% | 2,829 |
| Core capital (leverage) ratio | 9.9558% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,612,250 | 2,114 |
| Average earning assets | $345,607,250 | 2,125 |
| Average equity | $38,412,250 | 2,166 |
| Average total loans | $274,319,750 | 1,849 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 232 |
| Cost of funding earning assets | 0.9356% | 154 |
| Net interest margin | 4.3253% | 470 |
| Noninterest income to average assets | 0.2892% | 3,691 |
| Noninterest expense to average assets | 2.5015% | 2,139 |
| Loan and lease loss provision to assets | 1.2209% | 28 |
| Net operating income to assets | 0.5655% | 4,061 |
| Return on assets (ROA) | 0.5655% | 4,112 |
| Pretax return on assets | 0.5655% | 4,284 |
| Return on Equity (ROE) | 5.4617% | 4,044 |
| Retained earnings to average equity (ytd only) | -1.1496% | 4,619 |
| Net charge-offs to loans | 1.5757% | 43 |
| Credit loss provision to net charge-offs | 105.1972% | 1,334 |
| Earnings coverage of net charge-offs (x) | 1.5392% | 2,167 |
| Efficiency ratio | 58.0507% | 3,280 |
| Assets per employee ($millions) | 5.6748% | 2,937 |
| Cash dividends to net income (ytd only)* | 121.0476% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 1,220 |
| Loan loss allowance to noncurrent loans | 22.6994% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 5.3588% | 29 |
| Noncurrent loans to loans | 7.1589% | 36 |
| Net loans and leases to total assets | 73.6385% | 794 |
| Net loans and leases to deposits | 90.7513% | 601 |
| Net loans and leases to core deposits | 100.6641% | 643 |
| Total domestic deposits to total assets | 81.1433% | 4,073 |
| Equity capital to assets | 10.0094% | 2,840 |
| Core capital (leverage) ratio | 9.8499% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,374,333 | 2,112 |
| Average earning assets | $343,326,667 | 2,124 |
| Average equity | $38,449,333 | 2,157 |
| Average total loans | $273,533,000 | 1,866 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 238 |
| Cost of funding earning assets | 0.9506% | 173 |
| Net interest margin | 4.3302% | 490 |
| Noninterest income to average assets | 0.3194% | 3,495 |
| Noninterest expense to average assets | 2.4297% | 2,401 |
| Loan and lease loss provision to assets | 0.1363% | 990 |
| Net operating income to assets | 1.7506% | 859 |
| Return on assets (ROA) | 1.7506% | 913 |
| Pretax return on assets | 1.7506% | 1,391 |
| Return on Equity (ROE) | 16.6229% | 907 |
| Retained earnings to average equity (ytd only) | 9.7088% | 1,739 |
| Net charge-offs to loans | 0.0134% | 1,475 |
| Credit loss provision to net charge-offs | 1,388.8889% | 337 |
| Earnings coverage of net charge-offs (x) | 192.3333% | 411 |
| Efficiency ratio | 55.9848% | 3,550 |
| Assets per employee ($millions) | 6.2637% | 2,356 |
| Cash dividends to net income (ytd only)* | 41.5940% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,119 |
| Loan loss allowance to noncurrent loans | 33.5265% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 3.7763% | 67 |
| Noncurrent loans to loans | 4.9774% | 81 |
| Net loans and leases to total assets | 72.5780% | 946 |
| Net loans and leases to deposits | 90.0170% | 697 |
| Net loans and leases to core deposits | 99.9282% | 716 |
| Total domestic deposits to total assets | 80.6270% | 4,118 |
| Equity capital to assets | 10.4153% | 2,347 |
| Core capital (leverage) ratio | 10.5375% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,954,500 | 2,113 |
| Average earning assets | $338,740,500 | 2,129 |
| Average equity | $38,645,500 | 2,139 |
| Average total loans | $267,995,000 | 1,886 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 293 |
| Cost of funding earning assets | 1.2296% | 246 |
| Net interest margin | 4.0285% | 922 |
| Noninterest income to average assets | 0.4173% | 3,022 |
| Noninterest expense to average assets | 2.6247% | 2,466 |
| Loan and lease loss provision to assets | 0.3090% | 1,209 |
| Net operating income to assets | 1.2012% | 1,552 |
| Return on assets (ROA) | 1.2177% | 1,607 |
| Pretax return on assets | 1.2177% | 2,269 |
| Return on Equity (ROE) | 10.9068% | 1,665 |
| Retained earnings to average equity (ytd only) | 0.7143% | 4,315 |
| Net charge-offs to loans | 0.1626% | 1,013 |
| Credit loss provision to net charge-offs | 256.7237% | 1,901 |
| Earnings coverage of net charge-offs (x) | 12.5477% | 2,329 |
| Efficiency ratio | 63.1058% | 2,958 |
| Assets per employee ($millions) | 5.9681% | 2,362 |
| Cash dividends to net income (ytd only)* | 93.4509% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 956 |
| Loan loss allowance to noncurrent loans | 52.6236% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.5117% | 180 |
| Noncurrent loans to loans | 3.3164% | 233 |
| Net loans and leases to total assets | 70.9559% | 1,431 |
| Net loans and leases to deposits | 88.8928% | 1,010 |
| Net loans and leases to core deposits | 100.2707% | 887 |
| Total domestic deposits to total assets | 79.8219% | 4,073 |
| Equity capital to assets | 10.6533% | 2,559 |
| Core capital (leverage) ratio | 10.5869% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,813,800 | 2,093 |
| Average earning assets | $313,589,400 | 2,101 |
| Average equity | $37,939,800 | 2,093 |
| Average total loans | $251,497,800 | 1,912 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 283 |
| Cost of funding earning assets | 1.2783% | 270 |
| Net interest margin | 4.1138% | 874 |
| Noninterest income to average assets | 0.4335% | 2,920 |
| Noninterest expense to average assets | 2.6444% | 2,403 |
| Loan and lease loss provision to assets | 0.4176% | 811 |
| Net operating income to assets | 1.1677% | 1,752 |
| Return on assets (ROA) | 1.1899% | 1,794 |
| Pretax return on assets | 1.1899% | 2,422 |
| Return on Equity (ROE) | 10.5291% | 1,836 |
| Retained earnings to average equity (ytd only) | -3.0792% | 4,778 |
| Net charge-offs to loans | 0.1986% | 771 |
| Credit loss provision to net charge-offs | 282.2581% | 1,818 |
| Earnings coverage of net charge-offs (x) | 10.7151% | 2,341 |
| Efficiency ratio | 62.1533% | 3,048 |
| Assets per employee ($millions) | 6.3379% | 1,966 |
| Cash dividends to net income (ytd only)* | 129.2447% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 721 |
| Loan loss allowance to noncurrent loans | 50.8039% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.6411% | 188 |
| Noncurrent loans to loans | 3.5471% | 223 |
| Net loans and leases to total assets | 69.8569% | 1,976 |
| Net loans and leases to deposits | 87.4025% | 1,550 |
| Net loans and leases to core deposits | 98.3686% | 1,282 |
| Total domestic deposits to total assets | 79.9256% | 3,879 |
| Equity capital to assets | 10.3681% | 2,902 |
| Core capital (leverage) ratio | 10.2945% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,245,500 | 2,096 |
| Average earning assets | $309,356,750 | 2,101 |
| Average equity | $37,887,750 | 2,093 |
| Average total loans | $249,723,000 | 1,922 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6527% | 254 |
| Cost of funding earning assets | 1.3082% | 352 |
| Net interest margin | 4.3445% | 682 |
| Noninterest income to average assets | 0.4016% | 3,063 |
| Noninterest expense to average assets | 2.7096% | 2,356 |
| Loan and lease loss provision to assets | 0.4868% | 751 |
| Net operating income to assets | 1.2084% | 1,616 |
| Return on assets (ROA) | 1.2425% | 1,630 |
| Pretax return on assets | 1.2425% | 2,209 |
| Return on Equity (ROE) | 10.6769% | 1,751 |
| Retained earnings to average equity (ytd only) | 2.0287% | 3,741 |
| Net charge-offs to loans | 0.2878% | 552 |
| Credit loss provision to net charge-offs | 223.4637% | 1,828 |
| Earnings coverage of net charge-offs (x) | 7.7821% | 2,341 |
| Efficiency ratio | 61.1549% | 3,255 |
| Assets per employee ($millions) | 5.8169% | 2,356 |
| Cash dividends to net income (ytd only)* | 80.9990% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 743 |
| Loan loss allowance to noncurrent loans | 56.6588% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.2636% | 279 |
| Noncurrent loans to loans | 3.0737% | 305 |
| Net loans and leases to total assets | 68.5962% | 2,247 |
| Net loans and leases to deposits | 86.2165% | 1,740 |
| Net loans and leases to core deposits | 96.8888% | 1,511 |
| Total domestic deposits to total assets | 79.5628% | 3,926 |
| Equity capital to assets | 10.7132% | 2,559 |
| Core capital (leverage) ratio | 10.9952% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,686,000 | 2,096 |
| Average earning assets | $302,862,333 | 2,116 |
| Average equity | $38,250,667 | 2,065 |
| Average total loans | $248,801,000 | 1,912 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8547% | 202 |
| Cost of funding earning assets | 1.3758% | 440 |
| Net interest margin | 4.4789% | 532 |
| Noninterest income to average assets | 0.4753% | 2,679 |
| Noninterest expense to average assets | 2.8630% | 2,231 |
| Loan and lease loss provision to assets | 0.3168% | 977 |
| Net operating income to assets | 1.4131% | 951 |
| Return on assets (ROA) | 1.4131% | 1,029 |
| Pretax return on assets | 1.4131% | 1,518 |
| Return on Equity (ROE) | 11.6240% | 1,221 |
| Retained earnings to average equity (ytd only) | 1.8452% | 3,497 |
| Net charge-offs to loans | 0.3882% | 371 |
| Credit loss provision to net charge-offs | 103.3058% | 1,794 |
| Earnings coverage of net charge-offs (x) | 5.6405% | 2,043 |
| Efficiency ratio | 61.9757% | 3,501 |
| Assets per employee ($millions) | 5.4347% | 2,191 |
| Cash dividends to net income (ytd only)* | 84.1256% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,105 |
| Loan loss allowance to noncurrent loans | 36.9102% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 3.4722% | 138 |
| Noncurrent loans to loans | 4.2984% | 165 |
| Net loans and leases to total assets | 76.3532% | 1,241 |
| Net loans and leases to deposits | 95.2124% | 983 |
| Net loans and leases to core deposits | 108.2785% | 937 |
| Total domestic deposits to total assets | 80.1925% | 3,823 |
| Equity capital to assets | 12.0984% | 1,996 |
| Core capital (leverage) ratio | 11.9893% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,612,500 | 2,124 |
| Average earning assets | $290,161,000 | 2,132 |
| Average equity | $38,369,000 | 2,050 |
| Average total loans | $249,343,500 | 1,862 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2258% | 159 |
| Cost of funding earning assets | 1.4710% | 434 |
| Net interest margin | 4.7548% | 423 |
| Noninterest income to average assets | 0.4224% | 3,163 |
| Noninterest expense to average assets | 2.9501% | 2,145 |
| Loan and lease loss provision to assets | 0.5075% | 255 |
| Net operating income to assets | 1.3583% | 1,481 |
| Return on assets (ROA) | 1.3599% | 1,554 |
| Pretax return on assets | 1.3599% | 2,298 |
| Return on Equity (ROE) | 11.3595% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.6449% | 2,066 |
| Net charge-offs to loans | 0.7284% | 227 |
| Credit loss provision to net charge-offs | 89.6200% | 2,656 |
| Earnings coverage of net charge-offs (x) | 3.2950% | 3,333 |
| Efficiency ratio | 60.9177% | 3,549 |
| Assets per employee ($millions) | 5.5441% | 2,027 |
| Cash dividends to net income (ytd only)* | 50.3070% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 1,158 |
| Loan loss allowance to noncurrent loans | 37.8421% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 3.3749% | 140 |
| Noncurrent loans to loans | 4.0263% | 167 |
| Net loans and leases to total assets | 79.1931% | 898 |
| Net loans and leases to deposits | 98.9592% | 671 |
| Net loans and leases to core deposits | 112.0484% | 752 |
| Total domestic deposits to total assets | 80.0260% | 3,973 |
| Equity capital to assets | 12.2154% | 2,004 |
| Core capital (leverage) ratio | 11.9901% | 1,787 |
| Tier 1 risk-based capital ratio | 12.4004% | 4,132 |
| Total risk-based capital ratio | 13.6507% | 3,999 |
| Memoranda: | ||
| Average total assets | $311,343,000 | 2,096 |
| Average earning assets | $287,688,200 | 2,101 |
| Average equity | $37,272,800 | 2,044 |
| Average total loans | $242,051,200 | 1,878 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2583% | 157 |
| Cost of funding earning assets | 1.5111% | 396 |
| Net interest margin | 4.7472% | 455 |
| Noninterest income to average assets | 0.4569% | 2,985 |
| Noninterest expense to average assets | 2.9337% | 2,151 |
| Loan and lease loss provision to assets | 0.5094% | 238 |
| Net operating income to assets | 1.4013% | 1,466 |
| Return on assets (ROA) | 1.4022% | 1,521 |
| Pretax return on assets | 1.4022% | 2,308 |
| Return on Equity (ROE) | 11.7736% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.0858% | 3,356 |
| Net charge-offs to loans | 0.8211% | 189 |
| Credit loss provision to net charge-offs | 80.5027% | 2,498 |
| Earnings coverage of net charge-offs (x) | 3.0197% | 3,143 |
| Efficiency ratio | 60.2218% | 3,600 |
| Assets per employee ($millions) | 5.4309% | 2,093 |
| Cash dividends to net income (ytd only)* | 65.2975% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,072 |
| Loan loss allowance to noncurrent loans | 58.5275% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.2357% | 348 |
| Noncurrent loans to loans | 2.6758% | 406 |
| Net loans and leases to total assets | 76.5044% | 1,395 |
| Net loans and leases to deposits | 92.0654% | 1,431 |
| Net loans and leases to core deposits | 103.5993% | 1,362 |
| Total domestic deposits to total assets | 83.0978% | 3,133 |
| Equity capital to assets | 12.1577% | 2,146 |
| Core capital (leverage) ratio | 11.9198% | 1,908 |
| Tier 1 risk-based capital ratio | 12.6741% | 4,042 |
| Total risk-based capital ratio | 13.9255% | 3,913 |
| Memoranda: | ||
| Average total assets | $310,176,000 | 2,114 |
| Average earning assets | $286,671,250 | 2,120 |
| Average equity | $36,940,500 | 2,063 |
| Average total loans | $239,031,250 | 1,902 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3747% | 136 |
| Cost of funding earning assets | 1.5153% | 362 |
| Net interest margin | 4.8594% | 365 |
| Noninterest income to average assets | 0.4910% | 2,725 |
| Noninterest expense to average assets | 2.9332% | 2,186 |
| Loan and lease loss provision to assets | 0.5091% | 227 |
| Net operating income to assets | 1.5452% | 1,020 |
| Return on assets (ROA) | 1.5452% | 1,069 |
| Pretax return on assets | 1.5452% | 1,717 |
| Return on Equity (ROE) | 13.0650% | 1,216 |
| Retained earnings to average equity (ytd only) | 3.4324% | 3,526 |
| Net charge-offs to loans | 0.3706% | 448 |
| Credit loss provision to net charge-offs | 178.7330% | 1,322 |
| Earnings coverage of net charge-offs (x) | 7.2127% | 2,507 |
| Efficiency ratio | 58.4884% | 3,936 |
| Assets per employee ($millions) | 5.4266% | 2,024 |
| Cash dividends to net income (ytd only)* | 73.7281% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 642 |
| Loan loss allowance to noncurrent loans | 44.4927% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 3.4868% | 145 |
| Noncurrent loans to loans | 4.1168% | 173 |
| Net loans and leases to total assets | 77.6515% | 1,283 |
| Net loans and leases to deposits | 93.5140% | 1,306 |
| Net loans and leases to core deposits | 103.0612% | 1,463 |
| Total domestic deposits to total assets | 83.0373% | 3,184 |
| Equity capital to assets | 12.1830% | 2,061 |
| Core capital (leverage) ratio | 11.8164% | 1,935 |
| Tier 1 risk-based capital ratio | 12.2308% | 4,281 |
| Total risk-based capital ratio | 13.4839% | 4,147 |
| Memoranda: | ||
| Average total assets | $310,380,000 | 2,114 |
| Average earning assets | $287,196,000 | 2,116 |
| Average equity | $36,708,670 | 2,073 |
| Average total loans | $238,509,000 | 1,916 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4014% | 126 |
| Cost of funding earning assets | 1.5183% | 305 |
| Net interest margin | 4.8832% | 347 |
| Noninterest income to average assets | 0.4438% | 2,882 |
| Noninterest expense to average assets | 2.8008% | 2,566 |
| Loan and lease loss provision to assets | 0.5038% | 214 |
| Net operating income to assets | 1.6721% | 773 |
| Return on assets (ROA) | 1.6721% | 804 |
| Pretax return on assets | 1.6721% | 1,279 |
| Return on Equity (ROE) | 14.3469% | 889 |
| Retained earnings to average equity (ytd only) | 10.9982% | 799 |
| Net charge-offs to loans | 0.2509% | 578 |
| Credit loss provision to net charge-offs | 265.1007% | 893 |
| Earnings coverage of net charge-offs (x) | 11.4497% | 1,908 |
| Efficiency ratio | 55.9457% | 4,343 |
| Assets per employee ($millions) | 5.5057% | 1,980 |
| Cash dividends to net income (ytd only)* | 23.3410% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 683 |
| Loan loss allowance to noncurrent loans | 38.6781% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 3.8337% | 126 |
| Noncurrent loans to loans | 4.7048% | 131 |
| Net loans and leases to total assets | 75.2648% | 1,601 |
| Net loans and leases to deposits | 89.3313% | 1,710 |
| Net loans and leases to core deposits | 98.1562% | 1,758 |
| Total domestic deposits to total assets | 84.2536% | 2,962 |
| Equity capital to assets | 12.0590% | 1,989 |
| Core capital (leverage) ratio | 11.4545% | 2,163 |
| Tier 1 risk-based capital ratio | 12.5075% | 4,163 |
| Total risk-based capital ratio | 13.7598% | 4,034 |
| Memoranda: | ||
| Average total assets | $313,625,000 | 2,105 |
| Average earning assets | $291,123,500 | 2,105 |
| Average equity | $36,551,500 | 2,075 |
| Average total loans | $237,574,500 | 1,937 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0495% | 156 |
| Cost of funding earning assets | 1.2621% | 257 |
| Net interest margin | 4.7874% | 406 |
| Noninterest income to average assets | 0.0988% | 5,156 |
| Noninterest expense to average assets | 3.1511% | 1,675 |
| Loan and lease loss provision to assets | 0.4173% | 316 |
| Net operating income to assets | 0.9561% | 3,193 |
| Return on assets (ROA) | 0.9561% | 3,193 |
| Pretax return on assets | 0.9561% | 3,738 |
| Return on Equity (ROE) | 8.2149% | 3,349 |
| Retained earnings to average equity (ytd only) | 0.5350% | 4,843 |
| Net charge-offs to loans | 0.3636% | 528 |
| Credit loss provision to net charge-offs | 150.5882% | 1,826 |
| Earnings coverage of net charge-offs (x) | 4.9565% | 3,243 |
| Efficiency ratio | 69.0684% | 2,371 |
| Assets per employee ($millions) | 5.7988% | 1,676 |
| Cash dividends to net income (ytd only)* | 93.4879% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 838 |
| Loan loss allowance to noncurrent loans | 44.5213% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.8558% | 236 |
| Noncurrent loans to loans | 3.8142% | 203 |
| Net loans and leases to total assets | 73.6013% | 1,992 |
| Net loans and leases to deposits | 86.7254% | 2,186 |
| Net loans and leases to core deposits | 94.8302% | 2,154 |
| Total domestic deposits to total assets | 84.8670% | 2,700 |
| Equity capital to assets | 11.2635% | 2,462 |
| Core capital (leverage) ratio | 11.1795% | 2,372 |
| Tier 1 risk-based capital ratio | 12.1143% | 4,355 |
| Total risk-based capital ratio | 13.3662% | 4,242 |
| Memoranda: | ||
| Average total assets | $306,754,400 | 2,112 |
| Average earning assets | $283,578,200 | 2,112 |
| Average equity | $35,703,400 | 2,044 |
| Average total loans | $233,801,600 | 1,917 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0605% | 142 |
| Cost of funding earning assets | 1.2099% | 239 |
| Net interest margin | 4.8506% | 341 |
| Noninterest income to average assets | 0.0540% | 5,334 |
| Noninterest expense to average assets | 3.2412% | 1,432 |
| Loan and lease loss provision to assets | 0.4219% | 302 |
| Net operating income to assets | 0.8648% | 3,680 |
| Return on assets (ROA) | 0.8648% | 3,686 |
| Pretax return on assets | 0.8648% | 4,127 |
| Return on Equity (ROE) | 7.3681% | 3,793 |
| Retained earnings to average equity (ytd only) | -2.8874% | 5,244 |
| Net charge-offs to loans | 0.4673% | 338 |
| Credit loss provision to net charge-offs | 117.9141% | 2,005 |
| Earnings coverage of net charge-offs (x) | 3.5963% | 3,147 |
| Efficiency ratio | 71.0006% | 2,040 |
| Assets per employee ($millions) | 4.7016% | 2,847 |
| Cash dividends to net income (ytd only)* | 139.1879% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 987 |
| Loan loss allowance to noncurrent loans | 60.8815% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1083% | 491 |
| Noncurrent loans to loans | 2.6937% | 455 |
| Net loans and leases to total assets | 74.0099% | 1,978 |
| Net loans and leases to deposits | 88.2163% | 2,127 |
| Net loans and leases to core deposits | 97.4115% | 1,982 |
| Total domestic deposits to total assets | 83.8960% | 2,980 |
| Equity capital to assets | 11.4051% | 2,329 |
| Core capital (leverage) ratio | 11.1675% | 2,437 |
| Tier 1 risk-based capital ratio | 12.1887% | 4,387 |
| Total risk-based capital ratio | 13.4405% | 4,283 |
| Memoranda: | ||
| Average total assets | $303,710,000 | 2,138 |
| Average earning assets | $280,122,000 | 2,143 |
| Average equity | $35,648,500 | 2,057 |
| Average total loans | $232,553,750 | 1,931 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0601% | 130 |
| Cost of funding earning assets | 1.1406% | 239 |
| Net interest margin | 4.9195% | 288 |
| Noninterest income to average assets | 0.3992% | 3,493 |
| Noninterest expense to average assets | 3.7403% | 717 |
| Loan and lease loss provision to assets | 0.4223% | 282 |
| Net operating income to assets | 0.7648% | 3,979 |
| Return on assets (ROA) | 0.7648% | 3,985 |
| Pretax return on assets | 0.7648% | 4,351 |
| Return on Equity (ROE) | 6.4544% | 4,075 |
| Retained earnings to average equity (ytd only) | -1.0247% | 5,071 |
| Net charge-offs to loans | 0.5098% | 300 |
| Credit loss provision to net charge-offs | 107.5630% | 1,924 |
| Earnings coverage of net charge-offs (x) | 3.0235% | 2,923 |
| Efficiency ratio | 75.3716% | 1,510 |
| Assets per employee ($millions) | 4.9228% | 2,523 |
| Cash dividends to net income (ytd only)* | 115.8758% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,156 |
| Loan loss allowance to noncurrent loans | 83.0317% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 867 |
| Noncurrent loans to loans | 1.9068% | 807 |
| Net loans and leases to total assets | 74.7469% | 1,826 |
| Net loans and leases to deposits | 89.3646% | 1,924 |
| Net loans and leases to core deposits | 98.6368% | 1,842 |
| Total domestic deposits to total assets | 83.6426% | 3,198 |
| Equity capital to assets | 11.6643% | 2,082 |
| Core capital (leverage) ratio | 11.4374% | 2,125 |
| Tier 1 risk-based capital ratio | 12.3118% | 4,300 |
| Total risk-based capital ratio | 13.5623% | 4,183 |
| Memoranda: | ||
| Average total assets | $303,079,670 | 2,149 |
| Average earning assets | $278,970,330 | 2,162 |
| Average equity | $35,913,330 | 2,039 |
| Average total loans | $233,423,000 | 1,931 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 134 |
| Cost of funding earning assets | 1.0675% | 265 |
| Net interest margin | 4.9485% | 249 |
| Noninterest income to average assets | 0.3907% | 3,535 |
| Noninterest expense to average assets | 3.2118% | 1,541 |
| Loan and lease loss provision to assets | 0.4238% | 258 |
| Net operating income to assets | 1.3046% | 1,629 |
| Return on assets (ROA) | 1.3046% | 1,634 |
| Pretax return on assets | 1.3046% | 2,347 |
| Return on Equity (ROE) | 10.9234% | 2,001 |
| Retained earnings to average equity (ytd only) | 2.0516% | 4,336 |
| Net charge-offs to loans | 0.3450% | 447 |
| Credit loss provision to net charge-offs | 158.4158% | 1,198 |
| Earnings coverage of net charge-offs (x) | 6.4604% | 2,158 |
| Efficiency ratio | 64.4772% | 3,404 |
| Assets per employee ($millions) | 4.9512% | 2,543 |
| Cash dividends to net income (ytd only)* | 81.2183% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,163 |
| Loan loss allowance to noncurrent loans | 129.1580% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 1,510 |
| Noncurrent loans to loans | 1.2374% | 1,470 |
| Net loans and leases to total assets | 76.3032% | 1,489 |
| Net loans and leases to deposits | 91.5885% | 1,495 |
| Net loans and leases to core deposits | 101.4809% | 1,574 |
| Total domestic deposits to total assets | 83.3109% | 3,577 |
| Equity capital to assets | 11.9368% | 1,837 |
| Core capital (leverage) ratio | 11.7664% | 1,803 |
| Tier 1 risk-based capital ratio | 12.6906% | 4,118 |
| Total risk-based capital ratio | 13.9418% | 4,020 |
| Memoranda: | ||
| Average total assets | $302,012,500 | 2,179 |
| Average earning assets | $277,662,500 | 2,193 |
| Average equity | $36,069,500 | 2,038 |
| Average total loans | $234,230,500 | 1,938 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9033% | 151 |
| Cost of funding earning assets | 1.0159% | 196 |
| Net interest margin | 4.8874% | 289 |
| Noninterest income to average assets | 0.4111% | 3,560 |
| Noninterest expense to average assets | 3.1627% | 1,693 |
| Loan and lease loss provision to assets | 0.3218% | 523 |
| Net operating income to assets | 1.4398% | 924 |
| Return on assets (ROA) | 1.4398% | 943 |
| Pretax return on assets | 1.4398% | 1,854 |
| Return on Equity (ROE) | 12.1394% | 1,173 |
| Retained earnings to average equity (ytd only) | 4.7785% | 2,271 |
| Net charge-offs to loans | 1.1796% | 137 |
| Credit loss provision to net charge-offs | 34.7020% | 3,491 |
| Earnings coverage of net charge-offs (x) | 1.8997% | 3,833 |
| Efficiency ratio | 63.6787% | 3,649 |
| Assets per employee ($millions) | 4.6526% | 2,947 |
| Cash dividends to net income (ytd only)* | 60.6366% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,282 |
| Loan loss allowance to noncurrent loans | 147.8385% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,705 |
| Noncurrent loans to loans | 1.0448% | 1,704 |
| Net loans and leases to total assets | 76.4026% | 1,524 |
| Net loans and leases to deposits | 92.1757% | 1,499 |
| Net loans and leases to core deposits | 102.1829% | 1,544 |
| Total domestic deposits to total assets | 82.8880% | 3,600 |
| Equity capital to assets | 11.9328% | 1,878 |
| Core capital (leverage) ratio | 11.5939% | 1,872 |
| Tier 1 risk-based capital ratio | 12.5952% | 4,149 |
| Total risk-based capital ratio | 13.8460% | 4,037 |
| Memoranda: | ||
| Average total assets | $296,768,000 | 2,181 |
| Average earning assets | $274,050,800 | 2,187 |
| Average equity | $35,199,400 | 2,068 |
| Average total loans | $233,307,200 | 1,917 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9506% | 140 |
| Cost of funding earning assets | 0.9951% | 199 |
| Net interest margin | 4.9555% | 245 |
| Noninterest income to average assets | 0.4108% | 3,616 |
| Noninterest expense to average assets | 3.0327% | 2,021 |
| Loan and lease loss provision to assets | 0.3973% | 339 |
| Net operating income to assets | 1.5624% | 778 |
| Return on assets (ROA) | 1.5624% | 799 |
| Pretax return on assets | 1.5624% | 1,536 |
| Return on Equity (ROE) | 13.1929% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.3163% | 3,954 |
| Net charge-offs to loans | 1.3329% | 124 |
| Credit loss provision to net charge-offs | 37.7845% | 3,013 |
| Earnings coverage of net charge-offs (x) | 1.8639% | 3,537 |
| Efficiency ratio | 60.2044% | 4,177 |
| Assets per employee ($millions) | 5.0260% | 2,420 |
| Cash dividends to net income (ytd only)* | 74.8628% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 862 |
| Loan loss allowance to noncurrent loans | 137.1419% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9822% | 1,729 |
| Noncurrent loans to loans | 1.3073% | 1,463 |
| Net loans and leases to total assets | 72.1666% | 2,233 |
| Net loans and leases to deposits | 87.3284% | 2,145 |
| Net loans and leases to core deposits | 97.4481% | 1,934 |
| Total domestic deposits to total assets | 82.6382% | 3,575 |
| Equity capital to assets | 11.7536% | 2,152 |
| Core capital (leverage) ratio | 11.2135% | 2,259 |
| Tier 1 risk-based capital ratio | 12.7427% | 4,180 |
| Total risk-based capital ratio | 13.9955% | 4,071 |
| Memoranda: | ||
| Average total assets | $295,355,250 | 2,205 |
| Average earning assets | $273,063,500 | 2,209 |
| Average equity | $34,977,500 | 2,082 |
| Average total loans | $232,963,750 | 1,925 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 118 |
| Cost of funding earning assets | 0.9448% | 231 |
| Net interest margin | 5.0988% | 191 |
| Noninterest income to average assets | 0.4105% | 3,620 |
| Noninterest expense to average assets | 3.0325% | 2,038 |
| Loan and lease loss provision to assets | 0.4467% | 273 |
| Net operating income to assets | 1.6639% | 612 |
| Return on assets (ROA) | 1.6639% | 632 |
| Pretax return on assets | 1.6639% | 1,150 |
| Return on Equity (ROE) | 14.0141% | 807 |
| Retained earnings to average equity (ytd only) | 4.0951% | 3,274 |
| Net charge-offs to loans | 1.9767% | 83 |
| Credit loss provision to net charge-offs | 27.9915% | 2,739 |
| Earnings coverage of net charge-offs (x) | 1.3226% | 3,296 |
| Efficiency ratio | 58.4328% | 4,540 |
| Assets per employee ($millions) | 4.9347% | 2,469 |
| Cash dividends to net income (ytd only)* | 70.7787% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 1,243 |
| Loan loss allowance to noncurrent loans | 106.1346% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 1,456 |
| Noncurrent loans to loans | 1.5163% | 1,238 |
| Net loans and leases to total assets | 74.6772% | 1,755 |
| Net loans and leases to deposits | 89.9516% | 1,735 |
| Net loans and leases to core deposits | 98.8688% | 1,739 |
| Total domestic deposits to total assets | 83.0193% | 3,559 |
| Equity capital to assets | 11.5527% | 2,276 |
| Core capital (leverage) ratio | 11.4482% | 2,004 |
| Tier 1 risk-based capital ratio | 12.1313% | 4,547 |
| Total risk-based capital ratio | 13.3822% | 4,425 |
| Memoranda: | ||
| Average total assets | $293,287,330 | 2,233 |
| Average earning assets | $272,221,000 | 2,221 |
| Average equity | $34,822,000 | 2,088 |
| Average total loans | $236,752,330 | 1,912 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9711% | 128 |
| Cost of funding earning assets | 0.8907% | 298 |
| Net interest margin | 5.0804% | 193 |
| Noninterest income to average assets | 0.3736% | 3,854 |
| Noninterest expense to average assets | 3.0625% | 1,977 |
| Loan and lease loss provision to assets | 0.3136% | 405 |
| Net operating income to assets | 1.7438% | 503 |
| Return on assets (ROA) | 1.7438% | 511 |
| Pretax return on assets | 1.7438% | 913 |
| Return on Equity (ROE) | 14.4792% | 731 |
| Retained earnings to average equity (ytd only) | 1.6898% | 4,431 |
| Net charge-offs to loans | 3.8992% | 34 |
| Credit loss provision to net charge-offs | 9.6567% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.6335% | 2,806 |
| Efficiency ratio | 59.2704% | 4,562 |
| Assets per employee ($millions) | 4.7679% | 2,746 |
| Cash dividends to net income (ytd only)* | 88.3293% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,144 |
| Loan loss allowance to noncurrent loans | 35.2572% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 3.3114% | 271 |
| Noncurrent loans to loans | 3.9261% | 270 |
| Net loans and leases to total assets | 82.6057% | 502 |
| Net loans and leases to deposits | 100.5429% | 587 |
| Net loans and leases to core deposits | 109.5651% | 897 |
| Total domestic deposits to total assets | 82.1597% | 4,126 |
| Equity capital to assets | 12.1243% | 1,757 |
| Core capital (leverage) ratio | 11.7835% | 1,766 |
| Tier 1 risk-based capital ratio | 12.0481% | 4,677 |
| Total risk-based capital ratio | 13.2447% | 4,614 |
| Memoranda: | ||
| Average total assets | $286,954,000 | 2,279 |
| Average earning assets | $268,090,500 | 2,260 |
| Average equity | $34,560,000 | 2,106 |
| Average total loans | $239,021,000 | 1,895 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3742% | 77 |
| Cost of funding earning assets | 0.8644% | 355 |
| Net interest margin | 5.5098% | 109 |
| Noninterest income to average assets | 0.4742% | 3,388 |
| Noninterest expense to average assets | 3.0306% | 2,257 |
| Loan and lease loss provision to assets | 1.0266% | 99 |
| Net operating income to assets | 1.5853% | 703 |
| Return on assets (ROA) | 1.7026% | 568 |
| Pretax return on assets | 1.7026% | 994 |
| Return on Equity (ROE) | 14.2383% | 739 |
| Retained earnings to average equity (ytd only) | 2.9785% | 3,780 |
| Net charge-offs to loans | 0.0732% | 2,652 |
| Credit loss provision to net charge-offs | 1,739.6450% | 253 |
| Earnings coverage of net charge-offs (x) | 44.2604% | 1,096 |
| Efficiency ratio | 53.7100% | 5,265 |
| Assets per employee ($millions) | 4.8786% | 2,535 |
| Cash dividends to net income (ytd only)* | 79.0812% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2742% | 420 |
| Loan loss allowance to noncurrent loans | 47.6366% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 3.9769% | 193 |
| Noncurrent loans to loans | 4.7740% | 178 |
| Net loans and leases to total assets | 80.9458% | 746 |
| Net loans and leases to deposits | 99.6310% | 690 |
| Net loans and leases to core deposits | 109.1144% | 951 |
| Total domestic deposits to total assets | 81.2456% | 4,276 |
| Equity capital to assets | 11.9637% | 1,833 |
| Core capital (leverage) ratio | 11.7342% | 1,772 |
| Tier 1 risk-based capital ratio | 12.4573% | 4,398 |
| Total risk-based capital ratio | 13.7166% | 4,285 |
| Memoranda: | ||
| Average total assets | $286,378,600 | 2,242 |
| Average earning assets | $268,628,400 | 2,223 |
| Average equity | $34,245,600 | 2,123 |
| Average total loans | $230,894,400 | 1,900 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3370% | 83 |
| Cost of funding earning assets | 0.8697% | 342 |
| Net interest margin | 5.4673% | 121 |
| Noninterest income to average assets | 0.4899% | 3,322 |
| Noninterest expense to average assets | 3.0315% | 2,224 |
| Loan and lease loss provision to assets | 1.2726% | 70 |
| Net operating income to assets | 1.3169% | 1,243 |
| Return on assets (ROA) | 1.4736% | 968 |
| Pretax return on assets | 1.4736% | 1,793 |
| Return on Equity (ROE) | 12.3240% | 1,221 |
| Retained earnings to average equity (ytd only) | -2.7096% | 5,637 |
| Net charge-offs to loans | 0.0949% | 2,005 |
| Credit loss provision to net charge-offs | 1,674.8466% | 280 |
| Earnings coverage of net charge-offs (x) | 34.0794% | 1,374 |
| Efficiency ratio | 53.9310% | 5,245 |
| Assets per employee ($millions) | 4.7067% | 2,740 |
| Cash dividends to net income (ytd only)* | 121.9866% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 459 |
| Loan loss allowance to noncurrent loans | 44.3293% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 4.1912% | 191 |
| Noncurrent loans to loans | 5.1068% | 161 |
| Net loans and leases to total assets | 79.7712% | 918 |
| Net loans and leases to deposits | 96.8667% | 965 |
| Net loans and leases to core deposits | 106.5049% | 1,147 |
| Total domestic deposits to total assets | 82.3515% | 3,822 |
| Equity capital to assets | 11.7983% | 2,259 |
| Core capital (leverage) ratio | 11.2799% | 2,207 |
| Tier 1 risk-based capital ratio | 12.0356% | 4,770 |
| Total risk-based capital ratio | 13.2948% | 4,665 |
| Memoranda: | ||
| Average total assets | $286,014,000 | 2,250 |
| Average earning assets | $268,425,750 | 2,226 |
| Average equity | $34,198,000 | 2,140 |
| Average total loans | $229,014,500 | 1,915 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1131% | 114 |
| Cost of funding earning assets | 0.8751% | 326 |
| Net interest margin | 5.2380% | 161 |
| Noninterest income to average assets | 0.4777% | 3,351 |
| Noninterest expense to average assets | 3.0437% | 2,224 |
| Loan and lease loss provision to assets | 0.2925% | 622 |
| Net operating income to assets | 2.0598% | 298 |
| Return on assets (ROA) | 2.2220% | 235 |
| Pretax return on assets | 2.2220% | 364 |
| Return on Equity (ROE) | 18.5034% | 327 |
| Retained earnings to average equity (ytd only) | 4.0648% | 3,317 |
| Net charge-offs to loans | 0.1217% | 1,621 |
| Credit loss provision to net charge-offs | 302.1583% | 951 |
| Earnings coverage of net charge-offs (x) | 24.3022% | 1,552 |
| Efficiency ratio | 56.4073% | 5,100 |
| Assets per employee ($millions) | 4.7110% | 2,694 |
| Cash dividends to net income (ytd only)* | 78.0320% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,982 |
| Loan loss allowance to noncurrent loans | 75.7623% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 1,301 |
| Noncurrent loans to loans | 1.6709% | 1,273 |
| Net loans and leases to total assets | 80.9032% | 771 |
| Net loans and leases to deposits | 98.7072% | 819 |
| Net loans and leases to core deposits | 108.9279% | 985 |
| Total domestic deposits to total assets | 81.9628% | 4,010 |
| Equity capital to assets | 12.3134% | 1,897 |
| Core capital (leverage) ratio | 11.7073% | 1,843 |
| Tier 1 risk-based capital ratio | 12.5762% | 4,462 |
| Total risk-based capital ratio | 13.6884% | 4,480 |
| Memoranda: | ||
| Average total assets | $287,217,330 | 2,256 |
| Average earning assets | $269,684,330 | 2,233 |
| Average equity | $34,491,000 | 2,121 |
| Average total loans | $228,521,000 | 1,926 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1747% | 101 |
| Cost of funding earning assets | 0.8628% | 361 |
| Net interest margin | 5.3119% | 146 |
| Noninterest income to average assets | 0.4767% | 3,291 |
| Noninterest expense to average assets | 2.9886% | 2,427 |
| Loan and lease loss provision to assets | 0.2902% | 555 |
| Net operating income to assets | 2.1914% | 228 |
| Return on assets (ROA) | 2.4567% | 174 |
| Pretax return on assets | 2.4567% | 258 |
| Return on Equity (ROE) | 20.7142% | 204 |
| Retained earnings to average equity (ytd only) | 6.3610% | 2,200 |
| Net charge-offs to loans | -0.0106% | 4,555 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6350% | 5,319 |
| Assets per employee ($millions) | 5.2995% | 2,031 |
| Cash dividends to net income (ytd only)* | 69.2913% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 3,143 |
| Loan loss allowance to noncurrent loans | 62.2584% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.7385% | 1,094 |
| Noncurrent loans to loans | 2.0174% | 1,058 |
| Net loans and leases to total assets | 78.7622% | 982 |
| Net loans and leases to deposits | 95.7795% | 961 |
| Net loans and leases to core deposits | 105.9296% | 1,080 |
| Total domestic deposits to total assets | 82.2328% | 4,140 |
| Equity capital to assets | 12.1161% | 1,945 |
| Core capital (leverage) ratio | 11.5407% | 1,946 |
| Tier 1 risk-based capital ratio | 12.8702% | 4,345 |
| Total risk-based capital ratio | 13.9860% | 4,347 |
| Memoranda: | ||
| Average total assets | $289,496,000 | 2,250 |
| Average earning assets | $272,144,500 | 2,226 |
| Average equity | $34,334,000 | 2,123 |
| Average total loans | $226,975,000 | 1,937 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 153 |
| Cost of funding earning assets | 0.9614% | 209 |
| Net interest margin | 4.9087% | 295 |
| Noninterest income to average assets | 0.4983% | 3,338 |
| Noninterest expense to average assets | 2.7938% | 3,255 |
| Loan and lease loss provision to assets | 0.2132% | 979 |
| Net operating income to assets | 2.1030% | 294 |
| Return on assets (ROA) | 2.1135% | 292 |
| Pretax return on assets | 2.1135% | 413 |
| Return on Equity (ROE) | 19.0655% | 302 |
| Retained earnings to average equity (ytd only) | 10.6700% | 380 |
| Net charge-offs to loans | 0.0509% | 3,182 |
| Credit loss provision to net charge-offs | 541.9355% | 606 |
| Earnings coverage of net charge-offs (x) | 58.8710% | 880 |
| Efficiency ratio | 54.6734% | 5,475 |
| Assets per employee ($millions) | 5.6311% | 1,678 |
| Cash dividends to net income (ytd only)* | 44.0352% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,615 |
| Loan loss allowance to noncurrent loans | 68.7857% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 1,436 |
| Noncurrent loans to loans | 1.7077% | 1,326 |
| Net loans and leases to total assets | 76.1685% | 1,386 |
| Net loans and leases to deposits | 91.8743% | 1,421 |
| Net loans and leases to core deposits | 101.5790% | 1,397 |
| Total domestic deposits to total assets | 82.9051% | 3,868 |
| Equity capital to assets | 11.6096% | 2,274 |
| Core capital (leverage) ratio | 11.2932% | 2,127 |
| Tier 1 risk-based capital ratio | 13.1705% | 4,190 |
| Total risk-based capital ratio | 14.2396% | 4,235 |
| Memoranda: | ||
| Average total assets | $236,381,400 | 2,611 |
| Average earning assets | $222,075,200 | 2,567 |
| Average equity | $26,204,400 | 2,609 |
| Average total loans | $182,793,600 | 2,213 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 193 |
| Cost of funding earning assets | 0.9797% | 199 |
| Net interest margin | 4.7370% | 429 |
| Noninterest income to average assets | 0.4961% | 3,397 |
| Noninterest expense to average assets | 2.6219% | 3,794 |
| Loan and lease loss provision to assets | 0.2267% | 813 |
| Net operating income to assets | 2.0935% | 310 |
| Return on assets (ROA) | 2.0965% | 329 |
| Pretax return on assets | 2.0965% | 501 |
| Return on Equity (ROE) | 19.2107% | 322 |
| Retained earnings to average equity (ytd only) | 7.6678% | 1,383 |
| Net charge-offs to loans | -0.0155% | 5,117 |
| Credit loss provision to net charge-offs | -1,890.0000% | 5,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0526% | 5,579 |
| Assets per employee ($millions) | 5.5678% | 1,715 |
| Cash dividends to net income (ytd only)* | 60.0859% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 3,579 |
| Loan loss allowance to noncurrent loans | 63.9825% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 1,437 |
| Noncurrent loans to loans | 1.8963% | 1,223 |
| Net loans and leases to total assets | 74.1869% | 1,707 |
| Net loans and leases to deposits | 89.6954% | 1,688 |
| Net loans and leases to core deposits | 99.4905% | 1,559 |
| Total domestic deposits to total assets | 82.7099% | 3,916 |
| Equity capital to assets | 11.2568% | 2,745 |
| Core capital (leverage) ratio | 11.6397% | 1,927 |
| Tier 1 risk-based capital ratio | 12.7853% | 4,560 |
| Total risk-based capital ratio | 13.8722% | 4,573 |
| Memoranda: | ||
| Average total assets | $222,272,250 | 2,756 |
| Average earning assets | $208,621,500 | 2,713 |
| Average equity | $24,256,750 | 2,781 |
| Average total loans | $172,070,500 | 2,339 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9138% | 145 |
| Cost of funding earning assets | 1.0266% | 153 |
| Net interest margin | 4.8872% | 306 |
| Noninterest income to average assets | 0.3092% | 4,741 |
| Noninterest expense to average assets | 2.5458% | 4,085 |
| Loan and lease loss provision to assets | 0.2522% | 690 |
| Net operating income to assets | 2.0655% | 323 |
| Return on assets (ROA) | 2.0705% | 335 |
| Pretax return on assets | 2.0705% | 517 |
| Return on Equity (ROE) | 19.2656% | 306 |
| Retained earnings to average equity (ytd only) | 3.8084% | 3,581 |
| Net charge-offs to loans | -0.0280% | 5,304 |
| Credit loss provision to net charge-offs | -1,145.4545% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3457% | 5,685 |
| Assets per employee ($millions) | 6.6938% | 964 |
| Cash dividends to net income (ytd only)* | 80.2320% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 2,032 |
| Loan loss allowance to noncurrent loans | 69.9610% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.9093% | 1,185 |
| Noncurrent loans to loans | 2.2386% | 1,066 |
| Net loans and leases to total assets | 76.1141% | 1,351 |
| Net loans and leases to deposits | 92.4373% | 1,326 |
| Net loans and leases to core deposits | 106.6952% | 1,039 |
| Total domestic deposits to total assets | 82.3413% | 4,175 |
| Equity capital to assets | 10.3365% | 3,642 |
| Core capital (leverage) ratio | 10.1010% | 3,460 |
| Tier 1 risk-based capital ratio | 11.3699% | 5,536 |
| Total risk-based capital ratio | 12.6219% | 5,466 |
| Memoranda: | ||
| Average total assets | $199,855,000 | 2,995 |
| Average earning assets | $186,243,330 | 2,972 |
| Average equity | $21,478,670 | 3,059 |
| Average total loans | $156,951,670 | 2,524 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8377% | 162 |
| Cost of funding earning assets | 1.0150% | 168 |
| Net interest margin | 4.8227% | 335 |
| Noninterest income to average assets | 0.3693% | 4,253 |
| Noninterest expense to average assets | 2.6078% | 3,896 |
| Loan and lease loss provision to assets | 0.2571% | 632 |
| Net operating income to assets | 2.0324% | 321 |
| Return on assets (ROA) | 2.0426% | 332 |
| Pretax return on assets | 2.0426% | 547 |
| Return on Equity (ROE) | 18.6289% | 341 |
| Retained earnings to average equity (ytd only) | 5.0806% | 3,017 |
| Net charge-offs to loans | -0.0567% | 5,578 |
| Credit loss provision to net charge-offs | -572.7273% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2500% | 5,730 |
| Assets per employee ($millions) | 6.8610% | 910 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 2,527 |
| Loan loss allowance to noncurrent loans | 77.0323% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 1,294 |
| Noncurrent loans to loans | 1.9225% | 1,393 |
| Net loans and leases to total assets | 79.8435% | 704 |
| Net loans and leases to deposits | 97.9239% | 679 |
| Net loans and leases to core deposits | 114.2464% | 574 |
| Total domestic deposits to total assets | 81.5362% | 4,661 |
| Equity capital to assets | 10.9118% | 3,075 |
| Core capital (leverage) ratio | 10.4995% | 2,960 |
| Tier 1 risk-based capital ratio | 11.1127% | 5,755 |
| Total risk-based capital ratio | 12.3629% | 5,670 |
| Memoranda: | ||
| Average total assets | $196,029,000 | 3,050 |
| Average earning assets | $184,045,000 | 3,009 |
| Average equity | $21,493,500 | 3,076 |
| Average total loans | $155,200,000 | 2,550 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8974% | 178 |
| Cost of funding earning assets | 0.9771% | 256 |
| Net interest margin | 4.9202% | 342 |
| Noninterest income to average assets | 0.4405% | 3,895 |
| Noninterest expense to average assets | 2.7632% | 3,620 |
| Loan and lease loss provision to assets | 0.2007% | 1,268 |
| Net operating income to assets | 2.0752% | 288 |
| Return on assets (ROA) | 2.1828% | 234 |
| Pretax return on assets | 2.1828% | 329 |
| Return on Equity (ROE) | 20.2390% | 241 |
| Retained earnings to average equity (ytd only) | 11.3266% | 349 |
| Net charge-offs to loans | 0.1152% | 2,881 |
| Credit loss provision to net charge-offs | 235.2941% | 1,074 |
| Earnings coverage of net charge-offs (x) | 26.6797% | 1,456 |
| Efficiency ratio | 54.8351% | 5,777 |
| Assets per employee ($millions) | 6.4363% | 1,090 |
| Cash dividends to net income (ytd only)* | 44.0358% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,462 |
| Loan loss allowance to noncurrent loans | 74.7414% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7437% | 1,522 |
| Noncurrent loans to loans | 2.0094% | 1,386 |
| Net loans and leases to total assets | 76.0832% | 1,252 |
| Net loans and leases to deposits | 96.1333% | 893 |
| Net loans and leases to core deposits | 112.8498% | 647 |
| Total domestic deposits to total assets | 79.1434% | 5,220 |
| Equity capital to assets | 11.0187% | 2,877 |
| Core capital (leverage) ratio | 10.6420% | 2,785 |
| Tier 1 risk-based capital ratio | 12.1931% | 5,233 |
| Total risk-based capital ratio | 13.4449% | 5,147 |
| Memoranda: | ||
| Average total assets | $179,356,000 | 3,215 |
| Average earning assets | $167,634,600 | 3,185 |
| Average equity | $19,343,800 | 3,240 |
| Average total loans | $132,841,200 | 2,809 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9164% | 166 |
| Cost of funding earning assets | 0.9680% | 281 |
| Net interest margin | 4.9483% | 328 |
| Noninterest income to average assets | 0.4161% | 4,130 |
| Noninterest expense to average assets | 2.6306% | 4,092 |
| Loan and lease loss provision to assets | 0.2274% | 984 |
| Net operating income to assets | 2.1721% | 254 |
| Return on assets (ROA) | 2.1804% | 251 |
| Pretax return on assets | 2.1804% | 378 |
| Return on Equity (ROE) | 20.3380% | 265 |
| Retained earnings to average equity (ytd only) | 8.1507% | 1,288 |
| Net charge-offs to loans | 0.1501% | 2,287 |
| Credit loss provision to net charge-offs | 206.8966% | 1,232 |
| Earnings coverage of net charge-offs (x) | 21.8343% | 1,657 |
| Efficiency ratio | 52.2977% | 5,971 |
| Assets per employee ($millions) | 6.1048% | 1,262 |
| Cash dividends to net income (ytd only)* | 59.9236% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 2,400 |
| Loan loss allowance to noncurrent loans | 97.4610% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.5196% | 2,025 |
| Noncurrent loans to loans | 1.6152% | 2,020 |
| Net loans and leases to total assets | 74.6959% | 1,412 |
| Net loans and leases to deposits | 93.0132% | 1,131 |
| Net loans and leases to core deposits | 109.8944% | 747 |
| Total domestic deposits to total assets | 80.3068% | 5,013 |
| Equity capital to assets | 10.9155% | 3,052 |
| Core capital (leverage) ratio | 10.3816% | 3,181 |
| Tier 1 risk-based capital ratio | 12.0642% | 5,446 |
| Total risk-based capital ratio | 13.3158% | 5,359 |
| Memoranda: | ||
| Average total assets | $175,922,500 | 3,280 |
| Average earning assets | $164,038,000 | 3,263 |
| Average equity | $18,860,750 | 3,322 |
| Average total loans | $128,764,250 | 2,898 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 173 |
| Cost of funding earning assets | 0.9627% | 301 |
| Net interest margin | 4.9124% | 342 |
| Noninterest income to average assets | 0.4691% | 3,725 |
| Noninterest expense to average assets | 2.6234% | 4,160 |
| Loan and lease loss provision to assets | 0.2766% | 740 |
| Net operating income to assets | 2.1508% | 252 |
| Return on assets (ROA) | 2.1508% | 266 |
| Pretax return on assets | 2.1508% | 403 |
| Return on Equity (ROE) | 20.1904% | 282 |
| Retained earnings to average equity (ytd only) | 7.4226% | 1,556 |
| Net charge-offs to loans | 0.3319% | 1,229 |
| Credit loss provision to net charge-offs | 115.3846% | 1,755 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,278 |
| Efficiency ratio | 51.9398% | 6,066 |
| Assets per employee ($millions) | 6.5872% | 968 |
| Cash dividends to net income (ytd only)* | 63.2369% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,395.2703% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 4,605 |
| Noncurrent loans to loans | 0.1108% | 5,682 |
| Net loans and leases to total assets | 71.3124% | 1,861 |
| Net loans and leases to deposits | 88.7703% | 1,504 |
| Net loans and leases to core deposits | 104.2830% | 995 |
| Total domestic deposits to total assets | 80.3337% | 5,169 |
| Equity capital to assets | 10.4998% | 3,439 |
| Core capital (leverage) ratio | 10.5607% | 2,877 |
| Tier 1 risk-based capital ratio | 12.0617% | 5,508 |
| Total risk-based capital ratio | 13.3133% | 5,436 |
| Memoranda: | ||
| Average total assets | $173,515,330 | 3,330 |
| Average earning assets | $161,835,330 | 3,297 |
| Average equity | $18,484,000 | 3,367 |
| Average total loans | $125,356,000 | 2,961 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9091% | 162 |
| Cost of funding earning assets | 0.9556% | 330 |
| Net interest margin | 4.9536% | 298 |
| Noninterest income to average assets | 0.4165% | 4,057 |
| Noninterest expense to average assets | 2.6587% | 4,085 |
| Loan and lease loss provision to assets | 0.2856% | 700 |
| Net operating income to assets | 2.0994% | 285 |
| Return on assets (ROA) | 2.0994% | 298 |
| Pretax return on assets | 2.0994% | 429 |
| Return on Equity (ROE) | 19.5533% | 325 |
| Retained earnings to average equity (ytd only) | 9.3554% | 1,146 |
| Net charge-offs to loans | 0.6599% | 557 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 5.0100% | 2,440 |
| Efficiency ratio | 52.7135% | 6,098 |
| Assets per employee ($millions) | 6.2916% | 1,119 |
| Cash dividends to net income (ytd only)* | 52.1542% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 2,803 |
| Loan loss allowance to noncurrent loans | 221.6799% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 4,600 |
| Noncurrent loans to loans | 0.7112% | 4,092 |
| Net loans and leases to total assets | 71.7726% | 1,609 |
| Net loans and leases to deposits | 90.8856% | 1,049 |
| Net loans and leases to core deposits | 101.2187% | 1,023 |
| Total domestic deposits to total assets | 78.9703% | 5,690 |
| Equity capital to assets | 10.9681% | 2,746 |
| Core capital (leverage) ratio | 11.0795% | 2,321 |
| Tier 1 risk-based capital ratio | 12.6304% | 5,235 |
| Total risk-based capital ratio | 13.8818% | 5,169 |
| Memoranda: | ||
| Average total assets | $168,052,000 | 3,435 |
| Average earning assets | $156,977,000 | 3,389 |
| Average equity | $18,043,000 | 3,424 |
| Average total loans | $121,236,500 | 3,046 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 200 |
| Cost of funding earning assets | 1.0806% | 314 |
| Net interest margin | 4.8242% | 410 |
| Noninterest income to average assets | 0.4590% | 4,027 |
| Noninterest expense to average assets | 2.7981% | 3,733 |
| Loan and lease loss provision to assets | 0.4485% | 644 |
| Net operating income to assets | 1.7136% | 568 |
| Return on assets (ROA) | 1.7830% | 515 |
| Pretax return on assets | 1.7830% | 785 |
| Return on Equity (ROE) | 16.7438% | 533 |
| Retained earnings to average equity (ytd only) | 9.3585% | 692 |
| Net charge-offs to loans | 0.6910% | 942 |
| Credit loss provision to net charge-offs | 90.4585% | 2,742 |
| Earnings coverage of net charge-offs (x) | 4.3606% | 3,592 |
| Efficiency ratio | 56.4103% | 5,905 |
| Assets per employee ($millions) | 5.9368% | 1,310 |
| Cash dividends to net income (ytd only)* | 44.1075% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 2,359 |
| Loan loss allowance to noncurrent loans | 103.7245% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1791% | 3,041 |
| Noncurrent loans to loans | 1.6527% | 2,431 |
| Net loans and leases to total assets | 70.1221% | 1,992 |
| Net loans and leases to deposits | 88.4770% | 1,414 |
| Net loans and leases to core deposits | 95.4215% | 1,493 |
| Total domestic deposits to total assets | 79.2546% | 5,613 |
| Equity capital to assets | 10.4999% | 3,159 |
| Core capital (leverage) ratio | 10.5051% | 2,913 |
| Tier 1 risk-based capital ratio | 12.6385% | 5,212 |
| Total risk-based capital ratio | 13.8398% | 5,186 |
| Memoranda: | ||
| Average total assets | $162,755,000 | 3,517 |
| Average earning assets | $151,860,400 | 3,470 |
| Average equity | $17,331,800 | 3,512 |
| Average total loans | $116,788,200 | 3,113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9294% | 198 |
| Cost of funding earning assets | 1.1029% | 304 |
| Net interest margin | 4.8265% | 406 |
| Noninterest income to average assets | 0.4835% | 3,911 |
| Noninterest expense to average assets | 2.6874% | 4,068 |
| Loan and lease loss provision to assets | 0.5271% | 512 |
| Net operating income to assets | 1.7707% | 563 |
| Return on assets (ROA) | 1.8778% | 465 |
| Pretax return on assets | 1.8778% | 747 |
| Return on Equity (ROE) | 17.5705% | 481 |
| Retained earnings to average equity (ytd only) | 7.7064% | 1,547 |
| Net charge-offs to loans | 0.7679% | 775 |
| Credit loss provision to net charge-offs | 95.5224% | 2,498 |
| Earnings coverage of net charge-offs (x) | 4.1642% | 3,526 |
| Efficiency ratio | 53.9072% | 6,106 |
| Assets per employee ($millions) | 5.9226% | 1,296 |
| Cash dividends to net income (ytd only)* | 56.1403% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,587 |
| Loan loss allowance to noncurrent loans | 79.4500% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 2,363 |
| Noncurrent loans to loans | 2.1560% | 2,057 |
| Net loans and leases to total assets | 71.9692% | 1,598 |
| Net loans and leases to deposits | 90.7769% | 1,081 |
| Net loans and leases to core deposits | 98.9225% | 1,175 |
| Total domestic deposits to total assets | 79.2814% | 5,681 |
| Equity capital to assets | 10.3219% | 3,479 |
| Core capital (leverage) ratio | 10.3763% | 3,139 |
| Tier 1 risk-based capital ratio | 12.0725% | 5,736 |
| Total risk-based capital ratio | 13.3316% | 5,664 |
| Memoranda: | ||
| Average total assets | $161,886,250 | 3,567 |
| Average earning assets | $150,995,500 | 3,517 |
| Average equity | $17,301,250 | 3,565 |
| Average total loans | $116,336,000 | 3,137 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0783% | 158 |
| Cost of funding earning assets | 1.1457% | 268 |
| Net interest margin | 4.9326% | 344 |
| Noninterest income to average assets | 0.2541% | 5,631 |
| Noninterest expense to average assets | 2.6493% | 4,221 |
| Loan and lease loss provision to assets | 0.6103% | 415 |
| Net operating income to assets | 1.5956% | 753 |
| Return on assets (ROA) | 1.7475% | 623 |
| Pretax return on assets | 1.7475% | 1,022 |
| Return on Equity (ROE) | 16.1611% | 643 |
| Retained earnings to average equity (ytd only) | 3.0295% | 4,390 |
| Net charge-offs to loans | 0.7676% | 828 |
| Credit loss provision to net charge-offs | 111.3636% | 1,991 |
| Earnings coverage of net charge-offs (x) | 4.0250% | 3,234 |
| Efficiency ratio | 54.5664% | 6,097 |
| Assets per employee ($millions) | 5.8439% | 1,313 |
| Cash dividends to net income (ytd only)* | 81.2545% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 2,535 |
| Loan loss allowance to noncurrent loans | 34.6098% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 3.8141% | 952 |
| Noncurrent loans to loans | 5.1079% | 619 |
| Net loans and leases to total assets | 73.3509% | 1,349 |
| Net loans and leases to deposits | 92.4164% | 922 |
| Net loans and leases to core deposits | 101.2980% | 986 |
| Total domestic deposits to total assets | 79.3699% | 5,739 |
| Equity capital to assets | 10.1815% | 3,684 |
| Core capital (leverage) ratio | 9.9401% | 3,602 |
| Tier 1 risk-based capital ratio | 11.5270% | 6,096 |
| Total risk-based capital ratio | 12.7654% | 6,068 |
| Memoranda: | ||
| Average total assets | $160,571,000 | 3,599 |
| Average earning assets | $149,778,330 | 3,558 |
| Average equity | $17,362,670 | 3,566 |
| Average total loans | $114,638,670 | 3,172 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0309% | 160 |
| Cost of funding earning assets | 1.2246% | 208 |
| Net interest margin | 4.8063% | 398 |
| Noninterest income to average assets | 0.1383% | 6,410 |
| Noninterest expense to average assets | 2.6333% | 4,299 |
| Loan and lease loss provision to assets | 0.2264% | 1,622 |
| Net operating income to assets | 1.7505% | 521 |
| Return on assets (ROA) | 1.8360% | 499 |
| Pretax return on assets | 1.8360% | 825 |
| Return on Equity (ROE) | 16.4841% | 553 |
| Retained earnings to average equity (ytd only) | 3.6581% | 4,047 |
| Net charge-offs to loans | 0.1696% | 2,386 |
| Credit loss provision to net charge-offs | 191.4894% | 1,126 |
| Earnings coverage of net charge-offs (x) | 16.7234% | 1,355 |
| Efficiency ratio | 57.1195% | 5,945 |
| Assets per employee ($millions) | 6.3944% | 1,027 |
| Cash dividends to net income (ytd only)* | 77.8082% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,375 |
| Loan loss allowance to noncurrent loans | 40.0186% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 3.2360% | 1,347 |
| Noncurrent loans to loans | 4.6905% | 857 |
| Net loans and leases to total assets | 67.6948% | 2,071 |
| Net loans and leases to deposits | 86.0575% | 1,344 |
| Net loans and leases to core deposits | 100.2691% | 931 |
| Total domestic deposits to total assets | 78.6623% | 6,023 |
| Equity capital to assets | 10.6746% | 3,345 |
| Core capital (leverage) ratio | 10.0338% | 3,331 |
| Tier 1 risk-based capital ratio | 11.6550% | 6,106 |
| Total risk-based capital ratio | 12.9156% | 6,077 |
| Memoranda: | ||
| Average total assets | $159,041,500 | 3,669 |
| Average earning assets | $147,972,000 | 3,626 |
| Average equity | $17,714,000 | 3,562 |
| Average total loans | $110,866,000 | 3,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2805% | 178 |
| Cost of funding earning assets | 1.2861% | 395 |
| Net interest margin | 4.9944% | 389 |
| Noninterest income to average assets | 0.1855% | 6,069 |
| Noninterest expense to average assets | 2.3699% | 5,498 |
| Loan and lease loss provision to assets | 0.4654% | 1,342 |
| Net operating income to assets | 2.0081% | 351 |
| Return on assets (ROA) | 2.2445% | 254 |
| Pretax return on assets | 2.2445% | 371 |
| Return on Equity (ROE) | 19.9620% | 307 |
| Retained earnings to average equity (ytd only) | 13.5859% | 222 |
| Net charge-offs to loans | 0.1401% | 4,292 |
| Credit loss provision to net charge-offs | 470.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 24.9800% | 1,154 |
| Efficiency ratio | 48.9301% | 6,652 |
| Assets per employee ($millions) | 6.0731% | 1,240 |
| Cash dividends to net income (ytd only)* | 31.9412% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 2,096 |
| Loan loss allowance to noncurrent loans | 74.1652% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 2,608 |
| Noncurrent loans to loans | 2.6581% | 1,992 |
| Net loans and leases to total assets | 69.1065% | 2,011 |
| Net loans and leases to deposits | 85.9109% | 1,528 |
| Net loans and leases to core deposits | 100.5337% | 996 |
| Total domestic deposits to total assets | 80.4397% | 5,559 |
| Equity capital to assets | 11.6454% | 2,310 |
| Core capital (leverage) ratio | 10.5041% | 2,761 |
| Tier 1 risk-based capital ratio | 12.7696% | 5,277 |
| Total risk-based capital ratio | 14.0250% | 5,209 |
| Memoranda: | ||
| Average total assets | $151,484,200 | 3,747 |
| Average earning assets | $141,278,000 | 3,700 |
| Average equity | $17,032,400 | 3,627 |
| Average total loans | $107,065,600 | 3,353 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3018% | 178 |
| Cost of funding earning assets | 1.2975% | 441 |
| Net interest margin | 5.0044% | 400 |
| Noninterest income to average assets | 0.1805% | 6,224 |
| Noninterest expense to average assets | 2.1550% | 6,050 |
| Loan and lease loss provision to assets | 0.5319% | 1,116 |
| Net operating income to assets | 2.1708% | 303 |
| Return on assets (ROA) | 2.4843% | 191 |
| Pretax return on assets | 2.4843% | 303 |
| Return on Equity (ROE) | 22.2951% | 224 |
| Retained earnings to average equity (ytd only) | 13.3170% | 365 |
| Net charge-offs to loans | 0.1768% | 3,693 |
| Credit loss provision to net charge-offs | 425.3521% | 629 |
| Earnings coverage of net charge-offs (x) | 21.6125% | 1,395 |
| Efficiency ratio | 44.3619% | 6,888 |
| Assets per employee ($millions) | 5.9175% | 1,298 |
| Cash dividends to net income (ytd only)* | 40.2694% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 2,369 |
| Loan loss allowance to noncurrent loans | 64.8762% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.0207% | 2,611 |
| Noncurrent loans to loans | 2.9849% | 1,874 |
| Net loans and leases to total assets | 66.3876% | 2,576 |
| Net loans and leases to deposits | 82.2310% | 2,088 |
| Net loans and leases to core deposits | 96.1110% | 1,405 |
| Total domestic deposits to total assets | 80.7330% | 5,438 |
| Equity capital to assets | 11.2470% | 2,986 |
| Core capital (leverage) ratio | 10.2785% | 3,192 |
| Tier 1 risk-based capital ratio | 12.6303% | 5,536 |
| Total risk-based capital ratio | 13.8539% | 5,523 |
| Memoranda: | ||
| Average total assets | $151,398,250 | 3,793 |
| Average earning assets | $141,500,000 | 3,747 |
| Average equity | $16,870,250 | 3,680 |
| Average total loans | $107,073,750 | 3,392 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3446% | 179 |
| Cost of funding earning assets | 1.3032% | 523 |
| Net interest margin | 5.0414% | 375 |
| Noninterest income to average assets | 0.1461% | 6,466 |
| Noninterest expense to average assets | 2.4997% | 5,138 |
| Loan and lease loss provision to assets | 0.5671% | 1,074 |
| Net operating income to assets | 1.8064% | 557 |
| Return on assets (ROA) | 1.8900% | 538 |
| Pretax return on assets | 1.8900% | 864 |
| Return on Equity (ROE) | 17.0158% | 630 |
| Retained earnings to average equity (ytd only) | 8.1790% | 1,576 |
| Net charge-offs to loans | 0.1647% | 3,619 |
| Credit loss provision to net charge-offs | 479.7753% | 630 |
| Earnings coverage of net charge-offs (x) | 20.0787% | 1,405 |
| Efficiency ratio | 51.2946% | 6,555 |
| Assets per employee ($millions) | 6.8818% | 768 |
| Cash dividends to net income (ytd only)* | 51.9325% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 2,892 |
| Loan loss allowance to noncurrent loans | 53.2040% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.3646% | 2,359 |
| Noncurrent loans to loans | 3.3605% | 1,727 |
| Net loans and leases to total assets | 68.6810% | 2,165 |
| Net loans and leases to deposits | 85.5644% | 1,653 |
| Net loans and leases to core deposits | 101.5955% | 1,000 |
| Total domestic deposits to total assets | 80.2682% | 5,673 |
| Equity capital to assets | 11.3699% | 2,719 |
| Core capital (leverage) ratio | 10.1258% | 3,234 |
| Tier 1 risk-based capital ratio | 12.4700% | 5,589 |
| Total risk-based capital ratio | 13.7316% | 5,560 |
| Memoranda: | ||
| Average total assets | $150,579,670 | 3,828 |
| Average earning assets | $141,191,330 | 3,765 |
| Average equity | $16,725,670 | 3,697 |
| Average total loans | $108,046,000 | 3,380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5657% | 149 |
| Cost of funding earning assets | 1.3007% | 630 |
| Net interest margin | 5.2651% | 271 |
| Noninterest income to average assets | 0.1412% | 6,532 |
| Noninterest expense to average assets | 2.3893% | 5,508 |
| Loan and lease loss provision to assets | 0.6686% | 801 |
| Net operating income to assets | 2.0217% | 401 |
| Return on assets (ROA) | 2.0856% | 417 |
| Pretax return on assets | 2.0856% | 650 |
| Return on Equity (ROE) | 19.0031% | 454 |
| Retained earnings to average equity (ytd only) | 11.5766% | 910 |
| Net charge-offs to loans | 0.2529% | 2,658 |
| Credit loss provision to net charge-offs | 363.7681% | 851 |
| Earnings coverage of net charge-offs (x) | 14.6377% | 1,456 |
| Efficiency ratio | 47.0372% | 6,850 |
| Assets per employee ($millions) | 6.8783% | 800 |
| Cash dividends to net income (ytd only)* | 39.0805% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 3,727 |
| Loan loss allowance to noncurrent loans | 44.3565% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.5878% | 2,288 |
| Noncurrent loans to loans | 3.6014% | 1,727 |
| Net loans and leases to total assets | 70.7097% | 1,629 |
| Net loans and leases to deposits | 89.7591% | 986 |
| Net loans and leases to core deposits | 106.5610% | 654 |
| Total domestic deposits to total assets | 78.7772% | 6,125 |
| Equity capital to assets | 11.0611% | 2,834 |
| Core capital (leverage) ratio | 10.3586% | 2,917 |
| Tier 1 risk-based capital ratio | 12.3573% | 5,714 |
| Total risk-based capital ratio | 13.6093% | 5,676 |
| Memoranda: | ||
| Average total assets | $150,169,500 | 3,871 |
| Average earning assets | $140,852,500 | 3,796 |
| Average equity | $16,481,500 | 3,734 |
| Average total loans | $109,131,000 | 3,375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1895% | 314 |
| Cost of funding earning assets | 1.5330% | 628 |
| Net interest margin | 4.6565% | 821 |
| Noninterest income to average assets | 0.2554% | 5,702 |
| Noninterest expense to average assets | 2.3968% | 5,783 |
| Loan and lease loss provision to assets | 0.8222% | 1,185 |
| Net operating income to assets | 1.4112% | 1,007 |
| Return on assets (ROA) | 1.5448% | 814 |
| Pretax return on assets | 1.5448% | 1,356 |
| Return on Equity (ROE) | 14.8566% | 774 |
| Retained earnings to average equity (ytd only) | 9.0058% | 799 |
| Net charge-offs to loans | 1.1197% | 1,535 |
| Credit loss provision to net charge-offs | 105.6940% | 3,234 |
| Earnings coverage of net charge-offs (x) | 2.8710% | 3,774 |
| Efficiency ratio | 51.7638% | 6,720 |
| Assets per employee ($millions) | 6.7735% | 829 |
| Cash dividends to net income (ytd only)* | 39.3817% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 4,372 |
| Loan loss allowance to noncurrent loans | 29.7437% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 3.5083% | 1,687 |
| Noncurrent loans to loans | 4.7733% | 1,213 |
| Net loans and leases to total assets | 72.4553% | 1,564 |
| Net loans and leases to deposits | 91.9355% | 975 |
| Net loans and leases to core deposits | 108.2873% | 688 |
| Total domestic deposits to total assets | 78.8110% | 6,032 |
| Equity capital to assets | 10.8881% | 3,093 |
| Core capital (leverage) ratio | 10.0165% | 3,321 |
| Tier 1 risk-based capital ratio | 11.9197% | 5,883 |
| Total risk-based capital ratio | 13.1773% | 5,857 |
| Memoranda: | ||
| Average total assets | $144,485,200 | 3,900 |
| Average earning assets | $135,747,000 | 3,822 |
| Average equity | $15,023,600 | 3,901 |
| Average total loans | $100,380,200 | 3,610 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 411 |
| Cost of funding earning assets | 1.5876% | 615 |
| Net interest margin | 4.4787% | 1,197 |
| Noninterest income to average assets | 0.4102% | 4,588 |
| Noninterest expense to average assets | 2.3875% | 5,797 |
| Loan and lease loss provision to assets | 0.9794% | 891 |
| Net operating income to assets | 1.2491% | 1,520 |
| Return on assets (ROA) | 1.3626% | 1,321 |
| Pretax return on assets | 1.3626% | 2,076 |
| Return on Equity (ROE) | 13.2666% | 1,214 |
| Retained earnings to average equity (ytd only) | 5.3066% | 2,991 |
| Net charge-offs to loans | 0.1835% | 4,331 |
| Credit loss provision to net charge-offs | 780.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 17.7477% | 1,336 |
| Efficiency ratio | 51.7227% | 6,702 |
| Assets per employee ($millions) | 6.7496% | 832 |
| Cash dividends to net income (ytd only)* | 60.0001% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 1,578 |
| Loan loss allowance to noncurrent loans | 37.1645% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 4.4083% | 1,368 |
| Noncurrent loans to loans | 6.3878% | 836 |
| Net loans and leases to total assets | 66.7140% | 2,738 |
| Net loans and leases to deposits | 82.0305% | 2,350 |
| Net loans and leases to core deposits | 94.6261% | 1,732 |
| Total domestic deposits to total assets | 81.3283% | 5,322 |
| Equity capital to assets | 10.6417% | 3,528 |
| Core capital (leverage) ratio | 9.5581% | 4,061 |
| Tier 1 risk-based capital ratio | 11.9531% | 5,927 |
| Total risk-based capital ratio | 13.2142% | 5,902 |
| Memoranda: | ||
| Average total assets | $143,352,500 | 3,939 |
| Average earning assets | $134,619,750 | 3,874 |
| Average equity | $14,723,250 | 3,979 |
| Average total loans | $98,094,000 | 3,697 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1217% | 370 |
| Cost of funding earning assets | 1.6315% | 619 |
| Net interest margin | 4.4901% | 1,157 |
| Noninterest income to average assets | 0.4716% | 4,096 |
| Noninterest expense to average assets | 2.3694% | 5,931 |
| Loan and lease loss provision to assets | 0.2542% | 3,373 |
| Net operating income to assets | 2.0644% | 313 |
| Return on assets (ROA) | 2.1279% | 295 |
| Pretax return on assets | 2.1279% | 463 |
| Return on Equity (ROE) | 20.9835% | 269 |
| Retained earnings to average equity (ytd only) | 8.7721% | 1,185 |
| Net charge-offs to loans | 0.2743% | 3,516 |
| Credit loss provision to net charge-offs | 135.3383% | 2,252 |
| Earnings coverage of net charge-offs (x) | 12.3459% | 1,634 |
| Efficiency ratio | 50.5422% | 6,899 |
| Assets per employee ($millions) | 6.6896% | 846 |
| Cash dividends to net income (ytd only)* | 58.1951% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 4,066 |
| Loan loss allowance to noncurrent loans | 68.1738% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 3,904 |
| Noncurrent loans to loans | 2.2209% | 3,202 |
| Net loans and leases to total assets | 67.9756% | 2,619 |
| Net loans and leases to deposits | 83.3106% | 2,216 |
| Net loans and leases to core deposits | 94.5674% | 1,842 |
| Total domestic deposits to total assets | 81.5930% | 5,321 |
| Equity capital to assets | 10.4096% | 3,628 |
| Core capital (leverage) ratio | 9.7676% | 3,568 |
| Tier 1 risk-based capital ratio | 12.0143% | 5,778 |
| Total risk-based capital ratio | 13.2657% | 5,742 |
| Memoranda: | ||
| Average total assets | $141,639,330 | 3,999 |
| Average earning assets | $133,003,330 | 3,923 |
| Average equity | $14,363,670 | 4,052 |
| Average total loans | $96,967,330 | 3,769 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2121% | 329 |
| Cost of funding earning assets | 1.6772% | 614 |
| Net interest margin | 4.5349% | 995 |
| Noninterest income to average assets | 0.1498% | 6,654 |
| Noninterest expense to average assets | 2.3475% | 6,059 |
| Loan and lease loss provision to assets | 0.2592% | 3,064 |
| Net operating income to assets | 1.8031% | 489 |
| Return on assets (ROA) | 1.8693% | 450 |
| Pretax return on assets | 1.8693% | 715 |
| Return on Equity (ROE) | 18.6958% | 424 |
| Retained earnings to average equity (ytd only) | 9.5639% | 1,222 |
| Net charge-offs to loans | 0.0085% | 4,990 |
| Credit loss provision to net charge-offs | 4,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 80 |
| Efficiency ratio | 53.2332% | 6,766 |
| Assets per employee ($millions) | 7.1341% | 691 |
| Cash dividends to net income (ytd only)* | 48.8444% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 3,626 |
| Loan loss allowance to noncurrent loans | 108.8215% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 4,873 |
| Noncurrent loans to loans | 1.4936% | 4,230 |
| Net loans and leases to total assets | 66.9797% | 2,761 |
| Net loans and leases to deposits | 81.8731% | 2,385 |
| Net loans and leases to core deposits | 92.6253% | 2,055 |
| Total domestic deposits to total assets | 81.8092% | 5,389 |
| Equity capital to assets | 10.0230% | 3,749 |
| Core capital (leverage) ratio | 9.7569% | 3,441 |
| Tier 1 risk-based capital ratio | 12.1470% | 5,557 |
| Total risk-based capital ratio | 13.3750% | 5,572 |
| Memoranda: | ||
| Average total assets | $138,873,000 | 4,080 |
| Average earning assets | $130,454,500 | 4,016 |
| Average equity | $13,885,500 | 4,129 |
| Average total loans | $94,661,500 | 3,863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4352% | 352 |
| Cost of funding earning assets | 1.8481% | 1,007 |
| Net interest margin | 4.5870% | 1,032 |
| Noninterest income to average assets | 0.1842% | 6,437 |
| Noninterest expense to average assets | 2.5183% | 5,719 |
| Loan and lease loss provision to assets | 0.2884% | 4,494 |
| Net operating income to assets | 1.6220% | 598 |
| Return on assets (ROA) | 1.6789% | 580 |
| Pretax return on assets | 1.6789% | 980 |
| Return on Equity (ROE) | 15.6846% | 617 |
| Retained earnings to average equity (ytd only) | 8.5457% | 830 |
| Net charge-offs to loans | 0.0442% | 6,367 |
| Credit loss provision to net charge-offs | 923.0769% | 236 |
| Earnings coverage of net charge-offs (x) | 61.1538% | 388 |
| Efficiency ratio | 56.8638% | 6,478 |
| Assets per employee ($millions) | 6.7532% | 840 |
| Cash dividends to net income (ytd only)* | 45.5153% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 3,513 |
| Loan loss allowance to noncurrent loans | 103.3264% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 4,869 |
| Noncurrent loans to loans | 1.5655% | 4,155 |
| Net loans and leases to total assets | 67.1422% | 3,178 |
| Net loans and leases to deposits | 82.4334% | 2,723 |
| Net loans and leases to core deposits | 93.5784% | 2,313 |
| Total domestic deposits to total assets | 81.4503% | 5,370 |
| Equity capital to assets | 9.9730% | 3,779 |
| Core capital (leverage) ratio | 9.7373% | 3,385 |
| Tier 1 risk-based capital ratio | 11.9849% | 5,485 |
| Total risk-based capital ratio | 13.2360% | 5,469 |
| Memoranda: | ||
| Average total assets | $124,847,000 | 4,381 |
| Average earning assets | $115,521,600 | 4,333 |
| Average equity | $13,363,400 | 4,296 |
| Average total loans | $88,229,200 | 4,101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5096% | 334 |
| Cost of funding earning assets | 1.8866% | 1,072 |
| Net interest margin | 4.6230% | 1,000 |
| Noninterest income to average assets | 0.1886% | 6,535 |
| Noninterest expense to average assets | 2.4411% | 5,915 |
| Loan and lease loss provision to assets | 0.2944% | 4,224 |
| Net operating income to assets | 1.7117% | 609 |
| Return on assets (ROA) | 1.7499% | 617 |
| Pretax return on assets | 1.7499% | 1,013 |
| Return on Equity (ROE) | 16.0455% | 697 |
| Retained earnings to average equity (ytd only) | 7.5779% | 1,568 |
| Net charge-offs to loans | 0.0413% | 6,130 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 68.1464% | 442 |
| Efficiency ratio | 54.8909% | 6,702 |
| Assets per employee ($millions) | 6.4900% | 971 |
| Cash dividends to net income (ytd only)* | 52.7727% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 3,648 |
| Loan loss allowance to noncurrent loans | 101.8012% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 4,160 |
| Noncurrent loans to loans | 1.5452% | 4,317 |
| Net loans and leases to total assets | 68.1148% | 3,183 |
| Net loans and leases to deposits | 84.6957% | 2,579 |
| Net loans and leases to core deposits | 94.2168% | 2,496 |
| Total domestic deposits to total assets | 80.4230% | 5,570 |
| Equity capital to assets | 10.5716% | 3,444 |
| Core capital (leverage) ratio | 9.6789% | 3,654 |
| Tier 1 risk-based capital ratio | 11.9893% | 5,476 |
| Total risk-based capital ratio | 13.1723% | 5,508 |
| Memoranda: | ||
| Average total assets | $122,292,750 | 4,499 |
| Average earning assets | $112,651,250 | 4,468 |
| Average equity | $13,336,750 | 4,363 |
| Average total loans | $87,242,500 | 4,189 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5572% | 312 |
| Cost of funding earning assets | 1.9203% | 1,161 |
| Net interest margin | 4.6370% | 918 |
| Noninterest income to average assets | 0.1837% | 6,592 |
| Noninterest expense to average assets | 2.4059% | 6,057 |
| Loan and lease loss provision to assets | 0.3005% | 3,988 |
| Net operating income to assets | 1.7347% | 545 |
| Return on assets (ROA) | 1.7898% | 545 |
| Pretax return on assets | 1.7898% | 906 |
| Return on Equity (ROE) | 16.2322% | 673 |
| Retained earnings to average equity (ytd only) | 7.3439% | 1,695 |
| Net charge-offs to loans | 0.0486% | 5,707 |
| Credit loss provision to net charge-offs | 857.1429% | 434 |
| Earnings coverage of net charge-offs (x) | 58.0476% | 527 |
| Efficiency ratio | 54.1729% | 6,866 |
| Assets per employee ($millions) | 6.3046% | 1,047 |
| Cash dividends to net income (ytd only)* | 54.7575% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,843 |
| Loan loss allowance to noncurrent loans | 2,373.2143% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 5,724 |
| Noncurrent loans to loans | 0.0638% | 7,155 |
| Net loans and leases to total assets | 68.5365% | 3,242 |
| Net loans and leases to deposits | 85.5617% | 2,584 |
| Net loans and leases to core deposits | 94.2513% | 2,674 |
| Total domestic deposits to total assets | 80.1018% | 5,697 |
| Equity capital to assets | 10.7311% | 3,146 |
| Core capital (leverage) ratio | 10.1318% | 3,017 |
| Tier 1 risk-based capital ratio | 12.1376% | 5,182 |
| Total risk-based capital ratio | 13.3886% | 5,160 |
| Memoranda: | ||
| Average total assets | $119,790,330 | 4,572 |
| Average earning assets | $109,985,670 | 4,557 |
| Average equity | $13,208,330 | 4,393 |
| Average total loans | $86,381,330 | 4,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5027% | 360 |
| Cost of funding earning assets | 1.9201% | 1,373 |
| Net interest margin | 4.5827% | 988 |
| Noninterest income to average assets | 0.1680% | 6,763 |
| Noninterest expense to average assets | 2.4040% | 6,067 |
| Loan and lease loss provision to assets | 0.3086% | 3,572 |
| Net operating income to assets | 1.6461% | 688 |
| Return on assets (ROA) | 1.7593% | 595 |
| Pretax return on assets | 1.7593% | 958 |
| Return on Equity (ROE) | 15.7278% | 760 |
| Retained earnings to average equity (ytd only) | 10.1479% | 1,107 |
| Net charge-offs to loans | 0.0934% | 4,483 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 902 |
| Efficiency ratio | 55.1534% | 6,868 |
| Assets per employee ($millions) | 6.1481% | 1,171 |
| Cash dividends to net income (ytd only)* | 35.4776% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,364 |
| Loan loss allowance to noncurrent loans | 2,815.9091% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 5,735 |
| Noncurrent loans to loans | 0.0501% | 7,281 |
| Net loans and leases to total assets | 70.4174% | 2,822 |
| Net loans and leases to deposits | 87.9224% | 2,239 |
| Net loans and leases to core deposits | 93.4408% | 2,912 |
| Total domestic deposits to total assets | 80.0904% | 5,751 |
| Equity capital to assets | 10.7538% | 3,001 |
| Core capital (leverage) ratio | 10.4707% | 2,647 |
| Tier 1 risk-based capital ratio | 11.7703% | 5,431 |
| Total risk-based capital ratio | 12.9953% | 5,396 |
| Memoranda: | ||
| Average total assets | $116,639,500 | 4,706 |
| Average earning assets | $106,663,000 | 4,679 |
| Average equity | $13,047,000 | 4,463 |
| Average total loans | $85,698,000 | 4,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8773% | 334 |
| Cost of funding earning assets | 2.2628% | 1,791 |
| Net interest margin | 4.6145% | 952 |
| Noninterest income to average assets | 0.2679% | 6,198 |
| Noninterest expense to average assets | 2.7045% | 5,369 |
| Loan and lease loss provision to assets | 0.2288% | 5,539 |
| Net operating income to assets | 1.5339% | 628 |
| Return on assets (ROA) | 1.6349% | 532 |
| Pretax return on assets | 1.6349% | 892 |
| Return on Equity (ROE) | 13.8135% | 816 |
| Retained earnings to average equity (ytd only) | 8.1189% | 668 |
| Net charge-offs to loans | 0.0389% | 6,726 |
| Credit loss provision to net charge-offs | 774.1935% | 379 |
| Earnings coverage of net charge-offs (x) | 59.6452% | 449 |
| Efficiency ratio | 60.5420% | 6,398 |
| Assets per employee ($millions) | 5.8062% | 1,378 |
| Cash dividends to net income (ytd only)* | 41.2245% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,237 |
| Loan loss allowance to noncurrent loans | 302.3256% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 4,872 |
| Noncurrent loans to loans | 0.4631% | 6,336 |
| Net loans and leases to total assets | 74.6941% | 2,095 |
| Net loans and leases to deposits | 95.2558% | 1,423 |
| Net loans and leases to core deposits | 141.7749% | 742 |
| Total domestic deposits to total assets | 78.4142% | 6,138 |
| Equity capital to assets | 11.6672% | 2,209 |
| Core capital (leverage) ratio | 10.7119% | 2,417 |
| Tier 1 risk-based capital ratio | 12.2665% | 4,711 |
| Total risk-based capital ratio | 13.5033% | 4,678 |
| Memoranda: | ||
| Average total assets | $104,899,200 | 4,964 |
| Average earning assets | $95,459,000 | 4,962 |
| Average equity | $12,415,400 | 4,652 |
| Average total loans | $79,674,400 | 4,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8668% | 379 |
| Cost of funding earning assets | 2.3285% | 1,881 |
| Net interest margin | 4.5383% | 1,100 |
| Noninterest income to average assets | 0.2447% | 6,483 |
| Noninterest expense to average assets | 2.5985% | 5,713 |
| Loan and lease loss provision to assets | 0.2318% | 5,119 |
| Net operating income to assets | 1.5452% | 737 |
| Return on assets (ROA) | 1.6804% | 619 |
| Pretax return on assets | 1.6804% | 1,011 |
| Return on Equity (ROE) | 14.1443% | 902 |
| Retained earnings to average equity (ytd only) | 6.4814% | 1,716 |
| Net charge-offs to loans | 0.0373% | 6,380 |
| Credit loss provision to net charge-offs | 818.1818% | 470 |
| Earnings coverage of net charge-offs (x) | 62.7327% | 522 |
| Efficiency ratio | 59.3879% | 6,502 |
| Assets per employee ($millions) | 5.6985% | 1,434 |
| Cash dividends to net income (ytd only)* | 54.1760% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,888 |
| Loan loss allowance to noncurrent loans | 4,662.5000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 5,529 |
| Noncurrent loans to loans | 0.0302% | 7,443 |
| Net loans and leases to total assets | 72.2991% | 2,957 |
| Net loans and leases to deposits | 90.5483% | 2,471 |
| Net loans and leases to core deposits | 132.7798% | 1,287 |
| Total domestic deposits to total assets | 79.8459% | 5,497 |
| Equity capital to assets | 11.6135% | 2,495 |
| Core capital (leverage) ratio | 10.5872% | 2,727 |
| Tier 1 risk-based capital ratio | 12.2531% | 4,742 |
| Total risk-based capital ratio | 13.4723% | 4,716 |
| Memoranda: | ||
| Average total assets | $103,544,500 | 5,030 |
| Average earning assets | $94,248,250 | 5,031 |
| Average equity | $12,301,500 | 4,717 |
| Average total loans | $78,700,250 | 4,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8770% | 393 |
| Cost of funding earning assets | 2.3657% | 2,097 |
| Net interest margin | 4.5113% | 1,144 |
| Noninterest income to average assets | 0.2412% | 6,557 |
| Noninterest expense to average assets | 2.4988% | 6,132 |
| Loan and lease loss provision to assets | 0.2354% | 4,710 |
| Net operating income to assets | 1.6103% | 663 |
| Return on assets (ROA) | 1.8104% | 492 |
| Pretax return on assets | 1.8104% | 834 |
| Return on Equity (ROE) | 15.1179% | 814 |
| Retained earnings to average equity (ytd only) | 6.4534% | 1,821 |
| Net charge-offs to loans | 0.0586% | 5,677 |
| Credit loss provision to net charge-offs | 521.7391% | 883 |
| Earnings coverage of net charge-offs (x) | 40.9130% | 800 |
| Efficiency ratio | 57.5169% | 6,942 |
| Assets per employee ($millions) | 5.8616% | 1,302 |
| Cash dividends to net income (ytd only)* | 57.3131% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,180 |
| Loan loss allowance to noncurrent loans | 3,306.2500% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.8018% | 5,389 |
| Noncurrent loans to loans | 0.0398% | 7,440 |
| Net loans and leases to total assets | 75.1329% | 2,407 |
| Net loans and leases to deposits | 94.4625% | 2,019 |
| Net loans and leases to core deposits | 140.9130% | 975 |
| Total domestic deposits to total assets | 79.5373% | 5,628 |
| Equity capital to assets | 11.5905% | 2,480 |
| Core capital (leverage) ratio | 10.8642% | 2,517 |
| Tier 1 risk-based capital ratio | 12.0677% | 4,858 |
| Total risk-based capital ratio | 13.2165% | 4,866 |
| Memoranda: | ||
| Average total assets | $101,969,000 | 5,102 |
| Average earning assets | $92,744,000 | 5,102 |
| Average equity | $12,210,670 | 4,757 |
| Average total loans | $78,467,670 | 4,638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9643% | 368 |
| Cost of funding earning assets | 2.4082% | 2,260 |
| Net interest margin | 4.5561% | 1,025 |
| Noninterest income to average assets | 0.2555% | 6,415 |
| Noninterest expense to average assets | 2.5230% | 5,751 |
| Loan and lease loss provision to assets | 0.2395% | 4,066 |
| Net operating income to assets | 1.6168% | 762 |
| Return on assets (ROA) | 1.6208% | 834 |
| Pretax return on assets | 1.6208% | 1,358 |
| Return on Equity (ROE) | 13.3098% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.6221% | 2,366 |
| Net charge-offs to loans | 0.0671% | 4,533 |
| Credit loss provision to net charge-offs | 461.5385% | 1,153 |
| Earnings coverage of net charge-offs (x) | 35.7692% | 930 |
| Efficiency ratio | 57.6117% | 6,750 |
| Assets per employee ($millions) | 5.6838% | 1,407 |
| Cash dividends to net income (ytd only)* | 50.2463% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,096 |
| Loan loss allowance to noncurrent loans | 4,382.6087% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 5,133 |
| Noncurrent loans to loans | 0.0296% | 7,467 |
| Net loans and leases to total assets | 74.9414% | 2,514 |
| Net loans and leases to deposits | 92.8738% | 2,460 |
| Net loans and leases to core deposits | 136.5954% | 1,266 |
| Total domestic deposits to total assets | 80.6916% | 5,092 |
| Equity capital to assets | 11.9502% | 2,292 |
| Core capital (leverage) ratio | 11.2762% | 2,294 |
| Tier 1 risk-based capital ratio | 12.2670% | 4,734 |
| Total risk-based capital ratio | 13.3962% | 4,721 |
| Memoranda: | ||
| Average total assets | $100,199,000 | 5,177 |
| Average earning assets | $90,691,000 | 5,196 |
| Average equity | $12,201,500 | 4,785 |
| Average total loans | $77,536,500 | 4,695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6103% | 334 |
| Cost of funding earning assets | 2.8628% | 2,428 |
| Net interest margin | 4.7475% | 869 |
| Noninterest income to average assets | 0.2343% | 6,762 |
| Noninterest expense to average assets | 2.6587% | 5,414 |
| Loan and lease loss provision to assets | 0.1934% | 4,950 |
| Net operating income to assets | 1.6797% | 706 |
| Return on assets (ROA) | 1.6990% | 649 |
| Pretax return on assets | 1.7001% | 1,144 |
| Return on Equity (ROE) | 13.7507% | 1,159 |
| Retained earnings to average equity (ytd only) | 10.0978% | 436 |
| Net charge-offs to loans | 0.0490% | 6,091 |
| Credit loss provision to net charge-offs | 529.4118% | 823 |
| Earnings coverage of net charge-offs (x) | 51.2941% | 750 |
| Efficiency ratio | 58.6534% | 6,584 |
| Assets per employee ($millions) | 5.1626% | 1,765 |
| Cash dividends to net income (ytd only)* | 26.5655% | 4,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,222 |
| Loan loss allowance to noncurrent loans | 2,135.5556% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 5,324 |
| Noncurrent loans to loans | 0.0581% | 7,275 |
| Net loans and leases to total assets | 77.9213% | 2,167 |
| Net loans and leases to deposits | 105.0770% | 1,222 |
| Net loans and leases to core deposits | 157.3375% | 636 |
| Total domestic deposits to total assets | 74.1564% | 6,633 |
| Equity capital to assets | 12.4141% | 2,058 |
| Core capital (leverage) ratio | 11.6787% | 2,139 |
| Tier 1 risk-based capital ratio | 12.2714% | 4,611 |
| Total risk-based capital ratio | 13.3670% | 4,611 |
| Memoranda: | ||
| Average total assets | $93,053,400 | 5,259 |
| Average earning assets | $84,254,000 | 5,296 |
| Average equity | $11,497,600 | 4,969 |
| Average total loans | $69,380,400 | 4,894 |