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 | 5.2382% | 1,594 |
| Cost of funding earning assets | 1.9957% | 924 |
| Net interest margin | 3.2425% | 2,768 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.3976% | 2,605 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1084% | 1,897 |
| Return on assets (ROA) | 1.0995% | 1,892 |
| Pretax return on assets | 1.2811% | 1,925 |
| Return on Equity (ROE) | 11.9700% | 1,964 |
| Retained earnings to average equity (ytd only) | 5.9780% | 2,251 |
| Net charge-offs to loans | 0.3457% | 316 |
| Credit loss provision to net charge-offs | 65.9207% | 2,117 |
| Earnings coverage of net charge-offs (x) | 7.4578% | 2,407 |
| Efficiency ratio | 62.8594% | 2,744 |
| Assets per employee ($millions) | 9.1551% | 935 |
| Cash dividends to net income (ytd only)* | 50.0718% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 2,875 |
| Loan loss allowance to noncurrent loans | 157.4021% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 1,215 |
| Noncurrent loans to loans | 0.6944% | 1,131 |
| Net loans and leases to total assets | 55.6900% | 3,222 |
| Net loans and leases to deposits | 62.3029% | 3,389 |
| Net loans and leases to core deposits | 71.4977% | 3,222 |
| Total domestic deposits to total assets | 89.3900% | 948 |
| Equity capital to assets | 9.7914% | 2,132 |
| Core capital (leverage) ratio | 13.8464% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $823,358,200 | 1,156 |
| Average earning assets | $763,424,000 | 1,151 |
| Average equity | $75,610,400 | 1,175 |
| Average total loans | $452,480,200 | 1,338 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 2,489 |
| Cost of funding earning assets | 1.7804% | 1,042 |
| Net interest margin | 2.9100% | 3,522 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 1.7327% | 4,076 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.3965% | 1,325 |
| Return on assets (ROA) | 1.3849% | 1,340 |
| Pretax return on assets | 1.6683% | 1,221 |
| Return on Equity (ROE) | 15.3600% | 1,384 |
| Retained earnings to average equity (ytd only) | 7.8487% | 2,020 |
| Net charge-offs to loans | 0.3985% | 217 |
| Credit loss provision to net charge-offs | 73.7282% | 1,785 |
| Earnings coverage of net charge-offs (x) | 8.4708% | 2,191 |
| Efficiency ratio | 48.4616% | 4,018 |
| Assets per employee ($millions) | 10.5385% | 568 |
| Cash dividends to net income (ytd only)* | 48.9027% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,458 |
| Loan loss allowance to noncurrent loans | 205.1691% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 1,474 |
| Noncurrent loans to loans | 0.5762% | 1,392 |
| Net loans and leases to total assets | 54.8900% | 3,297 |
| Net loans and leases to deposits | 60.7166% | 3,461 |
| Net loans and leases to core deposits | 71.1516% | 3,159 |
| Total domestic deposits to total assets | 90.4000% | 841 |
| Equity capital to assets | 8.6621% | 2,622 |
| Core capital (leverage) ratio | 13.4617% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $807,185,500 | 1,170 |
| Average earning assets | $748,948,250 | 1,170 |
| Average equity | $72,775,000 | 1,207 |
| Average total loans | $440,591,500 | 1,362 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,554 |
| Cost of funding earning assets | 1.5959% | 1,080 |
| Net interest margin | 2.9419% | 3,580 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.7050% | 4,139 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1735% | 1,900 |
| Return on assets (ROA) | 1.1553% | 1,952 |
| Pretax return on assets | 1.3432% | 1,956 |
| Return on Equity (ROE) | 12.6400% | 1,977 |
| Retained earnings to average equity (ytd only) | 7.4599% | 2,142 |
| Net charge-offs to loans | 0.3878% | 215 |
| Credit loss provision to net charge-offs | 14.8104% | 1,786 |
| Earnings coverage of net charge-offs (x) | 6.6327% | 2,112 |
| Efficiency ratio | 54.9891% | 3,534 |
| Assets per employee ($millions) | 9.5983% | 755 |
| Cash dividends to net income (ytd only)* | 41.0013% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 2,865 |
| Loan loss allowance to noncurrent loans | 176.8121% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 1,339 |
| Noncurrent loans to loans | 0.6320% | 1,184 |
| Net loans and leases to total assets | 53.8700% | 3,279 |
| Net loans and leases to deposits | 59.7356% | 3,438 |
| Net loans and leases to core deposits | 67.9660% | 3,236 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 8.9620% | 2,539 |
| Core capital (leverage) ratio | 13.3456% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $802,246,000 | 1,180 |
| Average earning assets | $743,531,000 | 1,174 |
| Average equity | $73,299,000 | 1,194 |
| Average total loans | $435,260,667 | 1,358 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 2,550 |
| Cost of funding earning assets | 1.4532% | 937 |
| Net interest margin | 2.9453% | 3,710 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.7191% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2001% | 1,931 |
| Return on assets (ROA) | 1.1631% | 2,004 |
| Pretax return on assets | 1.3447% | 2,037 |
| Return on Equity (ROE) | 12.6000% | 2,079 |
| Retained earnings to average equity (ytd only) | 2.1875% | 3,666 |
| Net charge-offs to loans | 0.5074% | 160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.0516% | 1,831 |
| Efficiency ratio | 55.3330% | 3,475 |
| Assets per employee ($millions) | 9.9980% | 699 |
| Cash dividends to net income (ytd only)* | 82.6446% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,514 |
| Loan loss allowance to noncurrent loans | 284.0524% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 1,636 |
| Noncurrent loans to loans | 0.4251% | 1,662 |
| Net loans and leases to total assets | 52.5500% | 3,311 |
| Net loans and leases to deposits | 58.1203% | 3,447 |
| Net loans and leases to core deposits | 64.9595% | 3,288 |
| Total domestic deposits to total assets | 90.4100% | 1,008 |
| Equity capital to assets | 8.8170% | 2,653 |
| Core capital (leverage) ratio | 13.1086% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $790,642,500 | 1,205 |
| Average earning assets | $731,054,000 | 1,202 |
| Average equity | $72,960,000 | 1,210 |
| Average total loans | $428,053,500 | 1,393 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 2,271 |
| Cost of funding earning assets | 0.6142% | 846 |
| Net interest margin | 3.1897% | 2,894 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 1.9938% | 3,590 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3171% | 1,369 |
| Return on assets (ROA) | 1.2473% | 1,562 |
| Pretax return on assets | 1.4663% | 1,552 |
| Return on Equity (ROE) | 14.4400% | 1,424 |
| Retained earnings to average equity (ytd only) | 8.8648% | 1,521 |
| Net charge-offs to loans | 0.1604% | 514 |
| Credit loss provision to net charge-offs | 57.5758% | 1,792 |
| Earnings coverage of net charge-offs (x) | 18.6061% | 1,928 |
| Efficiency ratio | 55.5121% | 3,628 |
| Assets per employee ($millions) | 9.5256% | 775 |
| Cash dividends to net income (ytd only)* | 38.5980% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,196 |
| Loan loss allowance to noncurrent loans | 265.4253% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 1,757 |
| Noncurrent loans to loans | 0.4671% | 1,537 |
| Net loans and leases to total assets | 54.4400% | 3,156 |
| Net loans and leases to deposits | 61.1164% | 3,266 |
| Net loans and leases to core deposits | 68.3896% | 2,986 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 9.6626% | 1,909 |
| Core capital (leverage) ratio | 13.6383% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $768,516,400 | 1,222 |
| Average earning assets | $710,069,400 | 1,221 |
| Average equity | $66,397,600 | 1,301 |
| Average total loans | $411,372,600 | 1,358 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 2,181 |
| Cost of funding earning assets | 0.4632% | 917 |
| Net interest margin | 3.1923% | 2,646 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 1.8002% | 3,989 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5720% | 700 |
| Return on assets (ROA) | 1.4933% | 848 |
| Pretax return on assets | 1.7835% | 762 |
| Return on Equity (ROE) | 17.8100% | 669 |
| Retained earnings to average equity (ytd only) | 10.1491% | 1,303 |
| Net charge-offs to loans | 0.1151% | 543 |
| Credit loss provision to net charge-offs | 56.5341% | 1,504 |
| Earnings coverage of net charge-offs (x) | 31.2727% | 1,505 |
| Efficiency ratio | 48.4982% | 4,244 |
| Assets per employee ($millions) | 9.5886% | 736 |
| Cash dividends to net income (ytd only)* | 43.0283% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,278 |
| Loan loss allowance to noncurrent loans | 437.2470% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,445 |
| Noncurrent loans to loans | 0.2851% | 2,228 |
| Net loans and leases to total assets | 54.4000% | 3,060 |
| Net loans and leases to deposits | 60.6081% | 3,145 |
| Net loans and leases to core deposits | 65.6373% | 2,974 |
| Total domestic deposits to total assets | 89.7600% | 1,758 |
| Equity capital to assets | 8.7640% | 2,367 |
| Core capital (leverage) ratio | 13.8396% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $767,751,500 | 1,226 |
| Average earning assets | $710,435,250 | 1,227 |
| Average equity | $64,358,500 | 1,345 |
| Average total loans | $407,876,250 | 1,359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5006% | 2,141 |
| Cost of funding earning assets | 0.3939% | 957 |
| Net interest margin | 3.1068% | 2,514 |
| Noninterest income to average assets | 0.8524% | 934 |
| Noninterest expense to average assets | 1.8385% | 3,863 |
| Loan and lease loss provision to assets | 0.0171% | 2,295 |
| Net operating income to assets | 1.5443% | 628 |
| Return on assets (ROA) | 1.5449% | 612 |
| Pretax return on assets | 1.8687% | 497 |
| Return on Equity (ROE) | 22.7675% | 173 |
| Retained earnings to average equity (ytd only) | 15.0274% | 260 |
| Net charge-offs to loans | 0.0576% | 824 |
| Credit loss provision to net charge-offs | 56.5217% | 1,465 |
| Earnings coverage of net charge-offs (x) | 62.4174% | 1,062 |
| Efficiency ratio | 49.3758% | 4,290 |
| Assets per employee ($millions) | 10.3174% | 601 |
| Cash dividends to net income (ytd only)* | 33.9963% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,205 |
| Loan loss allowance to noncurrent loans | 553.7223% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,812 |
| Noncurrent loans to loans | 0.2343% | 2,547 |
| Net loans and leases to total assets | 53.4088% | 3,017 |
| Net loans and leases to deposits | 56.8159% | 3,315 |
| Net loans and leases to core deposits | 60.8385% | 3,206 |
| Total domestic deposits to total assets | 94.0032% | 283 |
| Equity capital to assets | 4.4303% | 4,571 |
| Core capital (leverage) ratio | 9.1252% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,581,000 | 1,236 |
| Average earning assets | $703,815,000 | 1,243 |
| Average equity | $51,679,000 | 1,638 |
| Average total loans | $399,452,333 | 1,381 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 2,188 |
| Cost of funding earning assets | 0.3246% | 1,418 |
| Net interest margin | 3.0420% | 2,356 |
| Noninterest income to average assets | 1.0598% | 611 |
| Noninterest expense to average assets | 1.7902% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7430% | 373 |
| Return on assets (ROA) | 1.7443% | 373 |
| Pretax return on assets | 2.1090% | 294 |
| Return on Equity (ROE) | 21.7593% | 166 |
| Retained earnings to average equity (ytd only) | 8.4590% | 1,442 |
| Net charge-offs to loans | 0.0403% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 101.3590% | 670 |
| Efficiency ratio | 45.9308% | 4,499 |
| Assets per employee ($millions) | 9.7227% | 725 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,926 |
| Loan loss allowance to noncurrent loans | 241.9921% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 1,934 |
| Noncurrent loans to loans | 0.5760% | 1,605 |
| Net loans and leases to total assets | 50.7972% | 3,094 |
| Net loans and leases to deposits | 55.4373% | 3,310 |
| Net loans and leases to core deposits | 60.2749% | 3,118 |
| Total domestic deposits to total assets | 91.6299% | 737 |
| Equity capital to assets | 6.5540% | 4,407 |
| Core capital (leverage) ratio | 9.6630% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $750,310,500 | 1,259 |
| Average earning assets | $699,926,000 | 1,258 |
| Average equity | $60,149,000 | 1,480 |
| Average total loans | $387,031,500 | 1,408 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 3,201 |
| Cost of funding earning assets | 0.4799% | 1,009 |
| Net interest margin | 2.8254% | 3,611 |
| Noninterest income to average assets | 0.8130% | 1,415 |
| Noninterest expense to average assets | 1.7536% | 4,221 |
| Loan and lease loss provision to assets | 0.1806% | 637 |
| Net operating income to assets | 1.2789% | 1,665 |
| Return on assets (ROA) | 1.2946% | 1,665 |
| Pretax return on assets | 1.5468% | 1,579 |
| Return on Equity (ROE) | 13.5165% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.4011% | 1,762 |
| Net charge-offs to loans | 0.1207% | 749 |
| Credit loss provision to net charge-offs | 289.7092% | 1,084 |
| Earnings coverage of net charge-offs (x) | 27.4116% | 1,677 |
| Efficiency ratio | 50.6485% | 4,236 |
| Assets per employee ($millions) | 9.5137% | 785 |
| Cash dividends to net income (ytd only)* | 45.2440% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,671 |
| Loan loss allowance to noncurrent loans | 151.6244% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 1,331 |
| Noncurrent loans to loans | 0.9681% | 1,031 |
| Net loans and leases to total assets | 50.8936% | 3,182 |
| Net loans and leases to deposits | 57.8812% | 3,268 |
| Net loans and leases to core deposits | 62.1635% | 3,148 |
| Total domestic deposits to total assets | 87.9276% | 2,082 |
| Equity capital to assets | 9.5537% | 3,096 |
| Core capital (leverage) ratio | 9.0768% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $717,081,400 | 1,266 |
| Average earning assets | $672,399,800 | 1,258 |
| Average equity | $68,679,200 | 1,372 |
| Average total loans | $370,427,600 | 1,459 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 3,424 |
| Cost of funding earning assets | 0.5100% | 1,001 |
| Net interest margin | 2.7754% | 3,835 |
| Noninterest income to average assets | 0.6408% | 2,050 |
| Noninterest expense to average assets | 1.5111% | 4,582 |
| Loan and lease loss provision to assets | 0.0851% | 1,406 |
| Net operating income to assets | 1.3515% | 1,687 |
| Return on assets (ROA) | 1.3712% | 1,681 |
| Pretax return on assets | 1.6731% | 1,482 |
| Return on Equity (ROE) | 14.3078% | 1,311 |
| Retained earnings to average equity (ytd only) | 6.1152% | 2,770 |
| Net charge-offs to loans | 0.1324% | 608 |
| Credit loss provision to net charge-offs | 124.3169% | 1,443 |
| Earnings coverage of net charge-offs (x) | 25.3443% | 1,620 |
| Efficiency ratio | 46.5637% | 4,470 |
| Assets per employee ($millions) | 9.5122% | 767 |
| Cash dividends to net income (ytd only)* | 57.2597% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,677 |
| Loan loss allowance to noncurrent loans | 366.8707% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,926 |
| Noncurrent loans to loans | 0.3437% | 2,553 |
| Net loans and leases to total assets | 51.2628% | 3,275 |
| Net loans and leases to deposits | 58.1920% | 3,392 |
| Net loans and leases to core deposits | 63.8702% | 3,152 |
| Total domestic deposits to total assets | 88.0925% | 1,788 |
| Equity capital to assets | 9.3738% | 3,487 |
| Core capital (leverage) ratio | 8.8496% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $713,212,750 | 1,292 |
| Average earning assets | $669,238,000 | 1,280 |
| Average equity | $68,352,500 | 1,391 |
| Average total loans | $368,440,000 | 1,487 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2312% | 3,610 |
| Cost of funding earning assets | 0.5348% | 1,012 |
| Net interest margin | 2.6964% | 3,988 |
| Noninterest income to average assets | 0.7221% | 1,739 |
| Noninterest expense to average assets | 1.4952% | 4,626 |
| Loan and lease loss provision to assets | 0.0538% | 1,964 |
| Net operating income to assets | 1.3986% | 1,571 |
| Return on assets (ROA) | 1.4281% | 1,555 |
| Pretax return on assets | 1.7399% | 1,387 |
| Return on Equity (ROE) | 14.7895% | 1,214 |
| Retained earnings to average equity (ytd only) | 8.6358% | 1,839 |
| Net charge-offs to loans | 0.0757% | 897 |
| Credit loss provision to net charge-offs | 137.6812% | 1,196 |
| Earnings coverage of net charge-offs (x) | 45.0145% | 1,110 |
| Efficiency ratio | 45.9638% | 4,513 |
| Assets per employee ($millions) | 9.8419% | 641 |
| Cash dividends to net income (ytd only)* | 41.6089% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,651 |
| Loan loss allowance to noncurrent loans | 233.9233% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 2,473 |
| Noncurrent loans to loans | 0.5377% | 2,059 |
| Net loans and leases to total assets | 51.2907% | 3,420 |
| Net loans and leases to deposits | 58.5177% | 3,496 |
| Net loans and leases to core deposits | 63.0647% | 3,372 |
| Total domestic deposits to total assets | 87.6498% | 2,017 |
| Equity capital to assets | 9.5308% | 3,307 |
| Core capital (leverage) ratio | 10.2792% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $706,805,000 | 1,295 |
| Average earning assets | $663,407,667 | 1,282 |
| Average equity | $68,251,000 | 1,380 |
| Average total loans | $364,499,333 | 1,504 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 3,693 |
| Cost of funding earning assets | 0.5434% | 1,149 |
| Net interest margin | 2.6557% | 4,048 |
| Noninterest income to average assets | 0.9902% | 1,145 |
| Noninterest expense to average assets | 1.4849% | 4,667 |
| Loan and lease loss provision to assets | 0.0374% | 2,276 |
| Net operating income to assets | 1.5611% | 1,196 |
| Return on assets (ROA) | 1.5648% | 1,255 |
| Pretax return on assets | 1.9579% | 1,019 |
| Return on Equity (ROE) | 16.0958% | 995 |
| Retained earnings to average equity (ytd only) | 3.6826% | 3,597 |
| Net charge-offs to loans | 0.1063% | 655 |
| Credit loss provision to net charge-offs | 68.4211% | 1,254 |
| Earnings coverage of net charge-offs (x) | 36.4632% | 1,014 |
| Efficiency ratio | 42.7249% | 4,644 |
| Assets per employee ($millions) | 10.2142% | 556 |
| Cash dividends to net income (ytd only)* | 77.1208% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,431 |
| Loan loss allowance to noncurrent loans | 279.1642% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,946 |
| Noncurrent loans to loans | 0.4662% | 2,458 |
| Net loans and leases to total assets | 48.8942% | 3,721 |
| Net loans and leases to deposits | 55.0039% | 3,869 |
| Net loans and leases to core deposits | 59.3283% | 3,753 |
| Total domestic deposits to total assets | 88.8923% | 1,396 |
| Equity capital to assets | 9.0974% | 3,595 |
| Core capital (leverage) ratio | 9.9841% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $696,055,500 | 1,292 |
| Average earning assets | $651,439,500 | 1,288 |
| Average equity | $67,670,000 | 1,384 |
| Average total loans | $357,594,000 | 1,535 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 3,004 |
| Cost of funding earning assets | 0.8401% | 1,056 |
| Net interest margin | 3.0684% | 3,701 |
| Noninterest income to average assets | 0.5044% | 2,614 |
| Noninterest expense to average assets | 1.7743% | 4,514 |
| Loan and lease loss provision to assets | 0.1279% | 2,763 |
| Net operating income to assets | 1.2057% | 1,535 |
| Return on assets (ROA) | 1.2512% | 1,486 |
| Pretax return on assets | 1.5176% | 1,275 |
| Return on Equity (ROE) | 11.7612% | 1,391 |
| Retained earnings to average equity (ytd only) | 5.8738% | 1,858 |
| Net charge-offs to loans | 0.0624% | 1,886 |
| Credit loss provision to net charge-offs | 375.1174% | 1,506 |
| Earnings coverage of net charge-offs (x) | 46.6338% | 1,267 |
| Efficiency ratio | 52.7405% | 4,328 |
| Assets per employee ($millions) | 9.5272% | 617 |
| Cash dividends to net income (ytd only)* | 50.0576% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,304 |
| Loan loss allowance to noncurrent loans | 276.9865% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,023 |
| Noncurrent loans to loans | 0.4773% | 2,541 |
| Net loans and leases to total assets | 52.6646% | 3,616 |
| Net loans and leases to deposits | 60.5149% | 3,717 |
| Net loans and leases to core deposits | 65.5223% | 3,579 |
| Total domestic deposits to total assets | 87.0274% | 1,932 |
| Equity capital to assets | 10.4010% | 2,756 |
| Core capital (leverage) ratio | 9.9358% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $624,755,400 | 1,292 |
| Average earning assets | $582,289,400 | 1,292 |
| Average equity | $66,464,400 | 1,354 |
| Average total loans | $341,580,400 | 1,531 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,009 |
| Cost of funding earning assets | 0.9115% | 1,031 |
| Net interest margin | 3.0756% | 3,796 |
| Noninterest income to average assets | 0.5394% | 2,428 |
| Noninterest expense to average assets | 1.5814% | 4,745 |
| Loan and lease loss provision to assets | 0.1289% | 2,735 |
| Net operating income to assets | 1.3800% | 1,153 |
| Return on assets (ROA) | 1.4251% | 1,132 |
| Pretax return on assets | 1.7463% | 877 |
| Return on Equity (ROE) | 13.3149% | 1,027 |
| Retained earnings to average equity (ytd only) | 5.3787% | 2,391 |
| Net charge-offs to loans | 0.0458% | 1,965 |
| Credit loss provision to net charge-offs | 512.0690% | 1,265 |
| Earnings coverage of net charge-offs (x) | 72.2931% | 972 |
| Efficiency ratio | 46.4871% | 4,691 |
| Assets per employee ($millions) | 9.3558% | 624 |
| Cash dividends to net income (ytd only)* | 59.6040% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,219 |
| Loan loss allowance to noncurrent loans | 363.1912% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,468 |
| Noncurrent loans to loans | 0.3539% | 3,021 |
| Net loans and leases to total assets | 53.9140% | 3,810 |
| Net loans and leases to deposits | 61.9510% | 3,936 |
| Net loans and leases to core deposits | 67.6522% | 3,778 |
| Total domestic deposits to total assets | 87.0268% | 1,660 |
| Equity capital to assets | 10.2986% | 2,964 |
| Core capital (leverage) ratio | 9.7513% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $614,218,250 | 1,292 |
| Average earning assets | $571,633,500 | 1,296 |
| Average equity | $65,739,250 | 1,350 |
| Average total loans | $337,993,500 | 1,539 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,213 |
| Cost of funding earning assets | 0.9924% | 1,007 |
| Net interest margin | 3.0501% | 4,011 |
| Noninterest income to average assets | 0.6779% | 1,819 |
| Noninterest expense to average assets | 1.5753% | 4,800 |
| Loan and lease loss provision to assets | 0.1731% | 2,280 |
| Net operating income to assets | 1.4185% | 1,072 |
| Return on assets (ROA) | 1.4800% | 1,041 |
| Pretax return on assets | 1.8533% | 732 |
| Return on Equity (ROE) | 13.6412% | 946 |
| Retained earnings to average equity (ytd only) | 7.5034% | 1,462 |
| Net charge-offs to loans | 0.0887% | 1,362 |
| Credit loss provision to net charge-offs | 353.7415% | 1,502 |
| Earnings coverage of net charge-offs (x) | 39.8299% | 1,253 |
| Efficiency ratio | 44.6911% | 4,787 |
| Assets per employee ($millions) | 9.2790% | 626 |
| Cash dividends to net income (ytd only)* | 44.9944% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,053 |
| Loan loss allowance to noncurrent loans | 243.2593% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 2,514 |
| Noncurrent loans to loans | 0.5302% | 2,576 |
| Net loans and leases to total assets | 54.4936% | 3,836 |
| Net loans and leases to deposits | 63.2913% | 3,937 |
| Net loans and leases to core deposits | 70.4562% | 3,664 |
| Total domestic deposits to total assets | 86.0997% | 1,971 |
| Equity capital to assets | 10.7363% | 2,539 |
| Core capital (leverage) ratio | 9.8158% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8680% | 1,872 |
| Memoranda: | ||
| Average total assets | $600,656,333 | 1,292 |
| Average earning assets | $560,638,333 | 1,297 |
| Average equity | $65,170,333 | 1,348 |
| Average total loans | $331,430,333 | 1,549 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 3,191 |
| Cost of funding earning assets | 1.1310% | 954 |
| Net interest margin | 3.0747% | 4,145 |
| Noninterest income to average assets | 1.0261% | 809 |
| Noninterest expense to average assets | 1.5870% | 4,863 |
| Loan and lease loss provision to assets | 0.1715% | 1,715 |
| Net operating income to assets | 1.7096% | 504 |
| Return on assets (ROA) | 1.7161% | 549 |
| Pretax return on assets | 2.1322% | 350 |
| Return on Equity (ROE) | 15.7285% | 457 |
| Retained earnings to average equity (ytd only) | 3.2058% | 2,996 |
| Net charge-offs to loans | 0.1226% | 973 |
| Credit loss provision to net charge-offs | 253.5354% | 1,277 |
| Earnings coverage of net charge-offs (x) | 33.9394% | 1,108 |
| Efficiency ratio | 40.8763% | 4,970 |
| Assets per employee ($millions) | 9.8535% | 402 |
| Cash dividends to net income (ytd only)* | 79.6178% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,109 |
| Loan loss allowance to noncurrent loans | 291.8033% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,793 |
| Noncurrent loans to loans | 0.4481% | 2,908 |
| Net loans and leases to total assets | 53.6444% | 4,017 |
| Net loans and leases to deposits | 62.4829% | 4,075 |
| Net loans and leases to core deposits | 69.9176% | 3,885 |
| Total domestic deposits to total assets | 85.8545% | 2,055 |
| Equity capital to assets | 10.8528% | 2,985 |
| Core capital (leverage) ratio | 9.9589% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5467% | 1,747 |
| Memoranda: | ||
| Average total assets | $585,499,500 | 1,282 |
| Average earning assets | $543,926,500 | 1,276 |
| Average equity | $63,884,000 | 1,363 |
| Average total loans | $322,980,000 | 1,548 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 2,864 |
| Cost of funding earning assets | 1.3045% | 760 |
| Net interest margin | 3.2201% | 4,145 |
| Noninterest income to average assets | 0.5945% | 2,254 |
| Noninterest expense to average assets | 1.9022% | 4,659 |
| Loan and lease loss provision to assets | 0.0491% | 3,039 |
| Net operating income to assets | 1.3184% | 1,623 |
| Return on assets (ROA) | 1.3663% | 1,542 |
| Pretax return on assets | 1.7116% | 1,160 |
| Return on Equity (ROE) | 12.7723% | 1,250 |
| Retained earnings to average equity (ytd only) | 4.1134% | 2,912 |
| Net charge-offs to loans | 0.1434% | 1,367 |
| Credit loss provision to net charge-offs | 59.0278% | 3,046 |
| Earnings coverage of net charge-offs (x) | 20.4444% | 1,932 |
| Efficiency ratio | 52.7953% | 4,541 |
| Assets per employee ($millions) | 8.6354% | 567 |
| Cash dividends to net income (ytd only)* | 67.7942% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 1,969 |
| Loan loss allowance to noncurrent loans | 298.5507% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 2,670 |
| Noncurrent loans to loans | 0.4323% | 2,897 |
| Net loans and leases to total assets | 55.2924% | 3,970 |
| Net loans and leases to deposits | 63.9127% | 4,078 |
| Net loans and leases to core deposits | 69.6077% | 3,983 |
| Total domestic deposits to total assets | 86.5124% | 1,841 |
| Equity capital to assets | 10.9724% | 3,019 |
| Core capital (leverage) ratio | 10.3552% | 3,125 |
| Tier 1 risk-based capital ratio | 17.0116% | 2,046 |
| Total risk-based capital ratio | 18.2618% | 1,990 |
| Memoranda: | ||
| Average total assets | $519,295,000 | 1,376 |
| Average earning assets | $485,177,600 | 1,370 |
| Average equity | $55,549,800 | 1,457 |
| Average total loans | $301,186,800 | 1,596 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 2,940 |
| Cost of funding earning assets | 1.3353% | 708 |
| Net interest margin | 3.2011% | 4,299 |
| Noninterest income to average assets | 0.7077% | 1,748 |
| Noninterest expense to average assets | 1.6887% | 4,932 |
| Loan and lease loss provision to assets | 0.0382% | 3,137 |
| Net operating income to assets | 1.5475% | 1,070 |
| Return on assets (ROA) | 1.6122% | 942 |
| Pretax return on assets | 2.0580% | 608 |
| Return on Equity (ROE) | 15.1809% | 744 |
| Retained earnings to average equity (ytd only) | 3.2612% | 3,779 |
| Net charge-offs to loans | 0.0315% | 2,442 |
| Credit loss provision to net charge-offs | 207.1429% | 1,274 |
| Earnings coverage of net charge-offs (x) | 109.3440% | 702 |
| Efficiency ratio | 45.6044% | 4,953 |
| Assets per employee ($millions) | 8.0231% | 685 |
| Cash dividends to net income (ytd only)* | 78.5177% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 1,806 |
| Loan loss allowance to noncurrent loans | 180.2143% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,685 |
| Noncurrent loans to loans | 0.7425% | 2,106 |
| Net loans and leases to total assets | 59.0858% | 3,759 |
| Net loans and leases to deposits | 69.1753% | 3,826 |
| Net loans and leases to core deposits | 78.5824% | 3,502 |
| Total domestic deposits to total assets | 85.4146% | 2,249 |
| Equity capital to assets | 11.3510% | 2,794 |
| Core capital (leverage) ratio | 10.4472% | 3,149 |
| Tier 1 risk-based capital ratio | 16.4644% | 2,282 |
| Total risk-based capital ratio | 17.7155% | 2,214 |
| Memoranda: | ||
| Average total assets | $506,634,500 | 1,416 |
| Average earning assets | $474,081,000 | 1,407 |
| Average equity | $53,803,250 | 1,498 |
| Average total loans | $296,670,500 | 1,629 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 2,738 |
| Cost of funding earning assets | 1.3337% | 675 |
| Net interest margin | 3.2463% | 4,249 |
| Noninterest income to average assets | 0.9298% | 1,006 |
| Noninterest expense to average assets | 1.6595% | 5,017 |
| Loan and lease loss provision to assets | 0.0587% | 2,649 |
| Net operating income to assets | 1.7638% | 642 |
| Return on assets (ROA) | 1.8438% | 567 |
| Pretax return on assets | 2.3551% | 312 |
| Return on Equity (ROE) | 17.8139% | 392 |
| Retained earnings to average equity (ytd only) | 7.0105% | 1,801 |
| Net charge-offs to loans | -0.0865% | 4,971 |
| Credit loss provision to net charge-offs | -116.9355% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7789% | 5,121 |
| Assets per employee ($millions) | 8.6662% | 530 |
| Cash dividends to net income (ytd only)* | 60.6460% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,343 |
| Loan loss allowance to noncurrent loans | 354.2281% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 3,571 |
| Noncurrent loans to loans | 0.4166% | 3,041 |
| Net loans and leases to total assets | 57.6636% | 3,944 |
| Net loans and leases to deposits | 67.6179% | 3,992 |
| Net loans and leases to core deposits | 79.1217% | 3,496 |
| Total domestic deposits to total assets | 85.2786% | 2,352 |
| Equity capital to assets | 11.6669% | 2,473 |
| Core capital (leverage) ratio | 10.7354% | 2,857 |
| Tier 1 risk-based capital ratio | 18.4265% | 1,695 |
| Total risk-based capital ratio | 19.6801% | 1,652 |
| Memoranda: | ||
| Average total assets | $493,655,000 | 1,450 |
| Average earning assets | $462,619,000 | 1,443 |
| Average equity | $51,095,000 | 1,560 |
| Average total loans | $286,651,330 | 1,680 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 2,600 |
| Cost of funding earning assets | 1.3560% | 541 |
| Net interest margin | 3.2257% | 4,331 |
| Noninterest income to average assets | 1.0669% | 702 |
| Noninterest expense to average assets | 1.5902% | 5,105 |
| Loan and lease loss provision to assets | 0.1218% | 1,440 |
| Net operating income to assets | 1.8725% | 485 |
| Return on assets (ROA) | 1.8725% | 499 |
| Pretax return on assets | 2.3664% | 317 |
| Return on Equity (ROE) | 19.4653% | 295 |
| Retained earnings to average equity (ytd only) | 5.4056% | 2,734 |
| Net charge-offs to loans | 0.2310% | 620 |
| Credit loss provision to net charge-offs | 91.1950% | 1,708 |
| Earnings coverage of net charge-offs (x) | 18.6289% | 1,619 |
| Efficiency ratio | 38.9907% | 5,226 |
| Assets per employee ($millions) | 7.7875% | 726 |
| Cash dividends to net income (ytd only)* | 72.2297% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,219 |
| Loan loss allowance to noncurrent loans | 488.2554% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 3,803 |
| Noncurrent loans to loans | 0.3150% | 3,437 |
| Net loans and leases to total assets | 57.7052% | 3,922 |
| Net loans and leases to deposits | 66.4776% | 4,017 |
| Net loans and leases to core deposits | 76.5318% | 3,625 |
| Total domestic deposits to total assets | 86.8041% | 1,910 |
| Equity capital to assets | 9.8929% | 3,926 |
| Core capital (leverage) ratio | 9.4552% | 4,189 |
| Tier 1 risk-based capital ratio | 16.1872% | 2,365 |
| Total risk-based capital ratio | 17.4417% | 2,317 |
| Memoranda: | ||
| Average total assets | $476,162,500 | 1,504 |
| Average earning assets | $444,553,500 | 1,493 |
| Average equity | $45,804,500 | 1,712 |
| Average total loans | $275,277,500 | 1,742 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,414 |
| Cost of funding earning assets | 1.0515% | 604 |
| Net interest margin | 3.4653% | 3,816 |
| Noninterest income to average assets | 0.5561% | 2,515 |
| Noninterest expense to average assets | 1.9339% | 4,842 |
| Loan and lease loss provision to assets | 0.0819% | 2,492 |
| Net operating income to assets | 1.4160% | 1,377 |
| Return on assets (ROA) | 1.4520% | 1,259 |
| Pretax return on assets | 1.8250% | 862 |
| Return on Equity (ROE) | 15.7357% | 681 |
| Retained earnings to average equity (ytd only) | 2.7542% | 4,021 |
| Net charge-offs to loans | 0.2305% | 845 |
| Credit loss provision to net charge-offs | 59.2949% | 3,110 |
| Earnings coverage of net charge-offs (x) | 13.4792% | 2,452 |
| Efficiency ratio | 50.9477% | 4,881 |
| Assets per employee ($millions) | 7.9568% | 667 |
| Cash dividends to net income (ytd only)* | 82.4973% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 1,329 |
| Loan loss allowance to noncurrent loans | 227.7528% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 3,020 |
| Noncurrent loans to loans | 0.6541% | 2,360 |
| Net loans and leases to total assets | 56.1569% | 4,123 |
| Net loans and leases to deposits | 65.2820% | 4,171 |
| Net loans and leases to core deposits | 75.7776% | 3,736 |
| Total domestic deposits to total assets | 86.0221% | 2,220 |
| Equity capital to assets | 9.2751% | 4,345 |
| Core capital (leverage) ratio | 9.2792% | 4,374 |
| Tier 1 risk-based capital ratio | 15.6101% | 2,574 |
| Total risk-based capital ratio | 16.8627% | 2,491 |
| Memoranda: | ||
| Average total assets | $451,732,600 | 1,532 |
| Average earning assets | $422,333,400 | 1,521 |
| Average equity | $41,682,400 | 1,794 |
| Average total loans | $270,661,200 | 1,724 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 2,415 |
| Cost of funding earning assets | 0.9475% | 757 |
| Net interest margin | 3.5172% | 3,637 |
| Noninterest income to average assets | 0.6548% | 2,048 |
| Noninterest expense to average assets | 1.6970% | 5,138 |
| Loan and lease loss provision to assets | 0.0749% | 2,457 |
| Net operating income to assets | 1.6957% | 753 |
| Return on assets (ROA) | 1.7437% | 680 |
| Pretax return on assets | 2.2336% | 379 |
| Return on Equity (ROE) | 18.9241% | 345 |
| Retained earnings to average equity (ytd only) | 1.3420% | 4,765 |
| Net charge-offs to loans | 0.2447% | 698 |
| Credit loss provision to net charge-offs | 50.4032% | 2,825 |
| Earnings coverage of net charge-offs (x) | 15.1350% | 2,247 |
| Efficiency ratio | 43.0209% | 5,247 |
| Assets per employee ($millions) | 8.0476% | 641 |
| Cash dividends to net income (ytd only)* | 92.9087% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,499 |
| Loan loss allowance to noncurrent loans | 247.3203% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 3,275 |
| Noncurrent loans to loans | 0.5888% | 2,613 |
| Net loans and leases to total assets | 56.9108% | 4,141 |
| Net loans and leases to deposits | 65.7408% | 4,216 |
| Net loans and leases to core deposits | 74.1111% | 3,940 |
| Total domestic deposits to total assets | 86.5685% | 1,937 |
| Equity capital to assets | 8.8620% | 4,668 |
| Core capital (leverage) ratio | 9.7655% | 3,884 |
| Tier 1 risk-based capital ratio | 15.0116% | 2,878 |
| Total risk-based capital ratio | 16.2637% | 2,799 |
| Memoranda: | ||
| Average total assets | $445,314,500 | 1,556 |
| Average earning assets | $416,530,000 | 1,547 |
| Average equity | $41,033,000 | 1,820 |
| Average total loans | $270,289,000 | 1,725 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 2,120 |
| Cost of funding earning assets | 1.0152% | 440 |
| Net interest margin | 3.4744% | 3,720 |
| Noninterest income to average assets | 0.7315% | 1,731 |
| Noninterest expense to average assets | 1.6691% | 5,217 |
| Loan and lease loss provision to assets | 0.0462% | 2,979 |
| Net operating income to assets | 1.7665% | 627 |
| Return on assets (ROA) | 1.8406% | 536 |
| Pretax return on assets | 2.3567% | 294 |
| Return on Equity (ROE) | 19.6949% | 285 |
| Retained earnings to average equity (ytd only) | 1.2214% | 4,711 |
| Net charge-offs to loans | 0.1982% | 793 |
| Credit loss provision to net charge-offs | 37.7358% | 2,578 |
| Earnings coverage of net charge-offs (x) | 18.8566% | 1,875 |
| Efficiency ratio | 41.9561% | 5,350 |
| Assets per employee ($millions) | 7.6783% | 714 |
| Cash dividends to net income (ytd only)* | 93.7986% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,407 |
| Loan loss allowance to noncurrent loans | 283.3789% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,443 |
| Noncurrent loans to loans | 0.5285% | 2,833 |
| Net loans and leases to total assets | 60.1501% | 3,789 |
| Net loans and leases to deposits | 70.6495% | 3,807 |
| Net loans and leases to core deposits | 80.7127% | 3,355 |
| Total domestic deposits to total assets | 85.1388% | 2,623 |
| Equity capital to assets | 9.5846% | 4,021 |
| Core capital (leverage) ratio | 9.4245% | 4,210 |
| Tier 1 risk-based capital ratio | 15.5217% | 2,629 |
| Total risk-based capital ratio | 16.7750% | 2,572 |
| Memoranda: | ||
| Average total assets | $432,800,330 | 1,601 |
| Average earning assets | $404,443,000 | 1,595 |
| Average equity | $40,447,000 | 1,845 |
| Average total loans | $267,432,330 | 1,750 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 2,815 |
| Cost of funding earning assets | 0.8862% | 643 |
| Net interest margin | 3.3355% | 4,088 |
| Noninterest income to average assets | 0.2470% | 4,521 |
| Noninterest expense to average assets | 1.5491% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4668% | 1,157 |
| Return on assets (ROA) | 1.4668% | 1,156 |
| Pretax return on assets | 1.8075% | 898 |
| Return on Equity (ROE) | 15.9136% | 636 |
| Retained earnings to average equity (ytd only) | -19.6199% | 5,502 |
| Net charge-offs to loans | 0.3805% | 413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.6400% | 2,070 |
| Efficiency ratio | 46.1517% | 5,269 |
| Assets per employee ($millions) | 7.7798% | 689 |
| Cash dividends to net income (ytd only)* | 223.2903% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,438 |
| Loan loss allowance to noncurrent loans | 317.6056% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 3,688 |
| Noncurrent loans to loans | 0.4746% | 3,101 |
| Net loans and leases to total assets | 57.7786% | 3,960 |
| Net loans and leases to deposits | 68.3711% | 3,921 |
| Net loans and leases to core deposits | 78.7143% | 3,433 |
| Total domestic deposits to total assets | 84.5074% | 3,113 |
| Equity capital to assets | 9.1739% | 4,391 |
| Core capital (leverage) ratio | 8.9190% | 4,777 |
| Tier 1 risk-based capital ratio | 14.6884% | 3,034 |
| Total risk-based capital ratio | 15.9413% | 2,943 |
| Memoranda: | ||
| Average total assets | $422,691,500 | 1,644 |
| Average earning assets | $394,064,000 | 1,632 |
| Average equity | $38,960,500 | 1,912 |
| Average total loans | $262,831,500 | 1,782 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 1,504 |
| Cost of funding earning assets | 0.8082% | 589 |
| Net interest margin | 3.7664% | 2,541 |
| Noninterest income to average assets | 0.3327% | 4,087 |
| Noninterest expense to average assets | 1.8882% | 5,131 |
| Loan and lease loss provision to assets | 0.1550% | 1,454 |
| Net operating income to assets | 1.1388% | 1,719 |
| Return on assets (ROA) | 1.1400% | 1,751 |
| Pretax return on assets | 1.8028% | 792 |
| Return on Equity (ROE) | 12.4552% | 1,091 |
| Retained earnings to average equity (ytd only) | 5.2952% | 1,935 |
| Net charge-offs to loans | 0.2949% | 885 |
| Credit loss provision to net charge-offs | 74.9054% | 3,016 |
| Earnings coverage of net charge-offs (x) | 9.4515% | 2,787 |
| Efficiency ratio | 49.1174% | 5,264 |
| Assets per employee ($millions) | 7.4303% | 796 |
| Cash dividends to net income (ytd only)* | 57.4863% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 978 |
| Loan loss allowance to noncurrent loans | 806.7416% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,377 |
| Noncurrent loans to loans | 0.2083% | 4,077 |
| Net loans and leases to total assets | 65.2442% | 3,194 |
| Net loans and leases to deposits | 78.2678% | 3,088 |
| Net loans and leases to core deposits | 91.1342% | 2,448 |
| Total domestic deposits to total assets | 83.3603% | 3,440 |
| Equity capital to assets | 9.2687% | 4,456 |
| Core capital (leverage) ratio | 9.1710% | 4,433 |
| Tier 1 risk-based capital ratio | 13.9902% | 3,365 |
| Total risk-based capital ratio | 15.2453% | 3,267 |
| Memoranda: | ||
| Average total assets | $383,172,800 | 1,782 |
| Average earning assets | $357,235,000 | 1,769 |
| Average equity | $35,069,600 | 2,077 |
| Average total loans | $268,910,400 | 1,716 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,538 |
| Cost of funding earning assets | 0.7677% | 692 |
| Net interest margin | 3.7703% | 2,504 |
| Noninterest income to average assets | 0.2702% | 4,574 |
| Noninterest expense to average assets | 1.6810% | 5,387 |
| Loan and lease loss provision to assets | 0.2071% | 913 |
| Net operating income to assets | 1.3261% | 1,261 |
| Return on assets (ROA) | 1.3278% | 1,286 |
| Pretax return on assets | 1.8969% | 690 |
| Return on Equity (ROE) | 14.5546% | 728 |
| Retained earnings to average equity (ytd only) | 4.9573% | 2,918 |
| Net charge-offs to loans | 0.2828% | 765 |
| Credit loss provision to net charge-offs | 102.9463% | 2,228 |
| Earnings coverage of net charge-offs (x) | 10.4455% | 2,592 |
| Efficiency ratio | 44.4414% | 5,468 |
| Assets per employee ($millions) | 7.7433% | 693 |
| Cash dividends to net income (ytd only)* | 65.9402% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 1,059 |
| Loan loss allowance to noncurrent loans | 707.9812% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,367 |
| Noncurrent loans to loans | 0.2381% | 4,102 |
| Net loans and leases to total assets | 66.8007% | 3,006 |
| Net loans and leases to deposits | 81.3118% | 2,846 |
| Net loans and leases to core deposits | 94.6646% | 2,206 |
| Total domestic deposits to total assets | 82.1537% | 3,727 |
| Equity capital to assets | 9.0660% | 4,856 |
| Core capital (leverage) ratio | 9.7258% | 3,904 |
| Tier 1 risk-based capital ratio | 13.2838% | 3,829 |
| Total risk-based capital ratio | 14.5392% | 3,742 |
| Memoranda: | ||
| Average total assets | $382,372,000 | 1,797 |
| Average earning assets | $356,211,500 | 1,789 |
| Average equity | $34,884,000 | 2,090 |
| Average total loans | $272,039,000 | 1,709 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 1,437 |
| Cost of funding earning assets | 0.7177% | 812 |
| Net interest margin | 3.8127% | 2,240 |
| Noninterest income to average assets | 0.2782% | 4,560 |
| Noninterest expense to average assets | 1.7065% | 5,407 |
| Loan and lease loss provision to assets | 0.2380% | 712 |
| Net operating income to assets | 1.3100% | 1,272 |
| Return on assets (ROA) | 1.3126% | 1,294 |
| Pretax return on assets | 1.8996% | 652 |
| Return on Equity (ROE) | 14.3559% | 767 |
| Retained earnings to average equity (ytd only) | 7.2069% | 1,494 |
| Net charge-offs to loans | 0.2613% | 785 |
| Credit loss provision to net charge-offs | 126.0504% | 1,720 |
| Earnings coverage of net charge-offs (x) | 11.3025% | 2,285 |
| Efficiency ratio | 44.4368% | 5,510 |
| Assets per employee ($millions) | 7.7564% | 679 |
| Cash dividends to net income (ytd only)* | 49.7985% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,138 |
| Loan loss allowance to noncurrent loans | 565.1106% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,287 |
| Noncurrent loans to loans | 0.2932% | 3,993 |
| Net loans and leases to total assets | 70.3905% | 2,467 |
| Net loans and leases to deposits | 86.5990% | 2,154 |
| Net loans and leases to core deposits | 102.4199% | 1,474 |
| Total domestic deposits to total assets | 81.2832% | 4,107 |
| Equity capital to assets | 9.2463% | 4,675 |
| Core capital (leverage) ratio | 9.5970% | 4,021 |
| Tier 1 risk-based capital ratio | 12.9170% | 4,054 |
| Total risk-based capital ratio | 14.1723% | 3,967 |
| Memoranda: | ||
| Average total assets | $378,194,000 | 1,813 |
| Average earning assets | $353,347,670 | 1,801 |
| Average equity | $34,578,000 | 2,101 |
| Average total loans | $273,277,330 | 1,698 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,443 |
| Cost of funding earning assets | 0.6760% | 950 |
| Net interest margin | 3.7955% | 2,127 |
| Noninterest income to average assets | 0.2785% | 4,556 |
| Noninterest expense to average assets | 1.7237% | 5,454 |
| Loan and lease loss provision to assets | 0.2410% | 639 |
| Net operating income to assets | 1.3048% | 1,225 |
| Return on assets (ROA) | 1.3048% | 1,259 |
| Pretax return on assets | 1.8565% | 709 |
| Return on Equity (ROE) | 14.3558% | 744 |
| Retained earnings to average equity (ytd only) | -0.2122% | 4,954 |
| Net charge-offs to loans | 0.1874% | 908 |
| Credit loss provision to net charge-offs | 177.1654% | 1,099 |
| Earnings coverage of net charge-offs (x) | 15.4173% | 1,675 |
| Efficiency ratio | 45.1079% | 5,562 |
| Assets per employee ($millions) | 7.5970% | 726 |
| Cash dividends to net income (ytd only)* | 101.4778% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 1,181 |
| Loan loss allowance to noncurrent loans | 358.4436% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 3,651 |
| Noncurrent loans to loans | 0.4690% | 3,411 |
| Net loans and leases to total assets | 70.9126% | 2,234 |
| Net loans and leases to deposits | 85.5820% | 2,084 |
| Net loans and leases to core deposits | 102.1948% | 1,357 |
| Total domestic deposits to total assets | 82.8592% | 3,902 |
| Equity capital to assets | 8.9665% | 4,837 |
| Core capital (leverage) ratio | 9.5953% | 4,010 |
| Tier 1 risk-based capital ratio | 12.4235% | 4,430 |
| Total risk-based capital ratio | 13.6795% | 4,329 |
| Memoranda: | ||
| Average total assets | $373,382,000 | 1,841 |
| Average earning assets | $348,515,500 | 1,835 |
| Average equity | $33,937,500 | 2,154 |
| Average total loans | $271,122,500 | 1,723 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 1,330 |
| Cost of funding earning assets | 0.7021% | 802 |
| Net interest margin | 3.8760% | 2,044 |
| Noninterest income to average assets | 0.4464% | 3,572 |
| Noninterest expense to average assets | 1.9749% | 5,240 |
| Loan and lease loss provision to assets | 0.3339% | 532 |
| Net operating income to assets | 1.2957% | 1,221 |
| Return on assets (ROA) | 1.3057% | 1,268 |
| Pretax return on assets | 1.7416% | 910 |
| Return on Equity (ROE) | 13.5952% | 845 |
| Retained earnings to average equity (ytd only) | 7.0269% | 1,217 |
| Net charge-offs to loans | 0.1378% | 1,874 |
| Credit loss provision to net charge-offs | 337.6437% | 899 |
| Earnings coverage of net charge-offs (x) | 20.8534% | 1,831 |
| Efficiency ratio | 48.9195% | 5,534 |
| Assets per employee ($millions) | 7.3383% | 785 |
| Cash dividends to net income (ytd only)* | 48.3134% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 1,182 |
| Loan loss allowance to noncurrent loans | 314.2957% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 3,548 |
| Noncurrent loans to loans | 0.5345% | 3,250 |
| Net loans and leases to total assets | 71.8889% | 2,182 |
| Net loans and leases to deposits | 87.1513% | 2,029 |
| Net loans and leases to core deposits | 106.4116% | 1,105 |
| Total domestic deposits to total assets | 82.4875% | 3,939 |
| Equity capital to assets | 9.2163% | 4,564 |
| Core capital (leverage) ratio | 9.3713% | 4,258 |
| Tier 1 risk-based capital ratio | 12.7352% | 4,252 |
| Total risk-based capital ratio | 13.9899% | 4,132 |
| Memoranda: | ||
| Average total assets | $351,920,800 | 1,895 |
| Average earning assets | $326,010,200 | 1,892 |
| Average equity | $33,798,600 | 2,143 |
| Average total loans | $252,567,800 | 1,774 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,393 |
| Cost of funding earning assets | 0.6921% | 848 |
| Net interest margin | 3.8645% | 2,103 |
| Noninterest income to average assets | 0.5062% | 3,203 |
| Noninterest expense to average assets | 1.8014% | 5,517 |
| Loan and lease loss provision to assets | 0.3638% | 427 |
| Net operating income to assets | 1.4157% | 1,040 |
| Return on assets (ROA) | 1.4288% | 1,058 |
| Pretax return on assets | 1.9358% | 653 |
| Return on Equity (ROE) | 14.7201% | 701 |
| Retained earnings to average equity (ytd only) | 6.0403% | 2,169 |
| Net charge-offs to loans | 0.1544% | 1,457 |
| Credit loss provision to net charge-offs | 329.8611% | 967 |
| Earnings coverage of net charge-offs (x) | 20.6910% | 1,858 |
| Efficiency ratio | 44.1152% | 5,742 |
| Assets per employee ($millions) | 7.4017% | 756 |
| Cash dividends to net income (ytd only)* | 58.9655% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 1,254 |
| Loan loss allowance to noncurrent loans | 243.9326% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 3,336 |
| Noncurrent loans to loans | 0.6908% | 2,962 |
| Net loans and leases to total assets | 69.8523% | 2,505 |
| Net loans and leases to deposits | 88.1760% | 1,992 |
| Net loans and leases to core deposits | 108.6061% | 1,011 |
| Total domestic deposits to total assets | 79.2192% | 4,669 |
| Equity capital to assets | 9.5478% | 4,614 |
| Core capital (leverage) ratio | 9.3368% | 4,408 |
| Tier 1 risk-based capital ratio | 12.1824% | 4,685 |
| Total risk-based capital ratio | 13.4365% | 4,579 |
| Memoranda: | ||
| Average total assets | $348,172,000 | 1,913 |
| Average earning assets | $322,279,000 | 1,916 |
| Average equity | $33,794,250 | 2,159 |
| Average total loans | $248,640,000 | 1,801 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 1,424 |
| Cost of funding earning assets | 0.6776% | 910 |
| Net interest margin | 3.8546% | 2,120 |
| Noninterest income to average assets | 0.6146% | 2,543 |
| Noninterest expense to average assets | 1.8000% | 5,596 |
| Loan and lease loss provision to assets | 0.4223% | 348 |
| Net operating income to assets | 1.4924% | 906 |
| Return on assets (ROA) | 1.5128% | 916 |
| Pretax return on assets | 1.9881% | 579 |
| Return on Equity (ROE) | 15.4969% | 611 |
| Retained earnings to average equity (ytd only) | 8.9330% | 870 |
| Net charge-offs to loans | 0.2093% | 1,118 |
| Credit loss provision to net charge-offs | 282.1012% | 1,007 |
| Earnings coverage of net charge-offs (x) | 15.9222% | 1,961 |
| Efficiency ratio | 43.0242% | 5,840 |
| Assets per employee ($millions) | 7.2850% | 770 |
| Cash dividends to net income (ytd only)* | 42.3566% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 1,431 |
| Loan loss allowance to noncurrent loans | 202.8362% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,249 |
| Noncurrent loans to loans | 0.8081% | 2,730 |
| Net loans and leases to total assets | 71.1798% | 2,303 |
| Net loans and leases to deposits | 90.6262% | 1,682 |
| Net loans and leases to core deposits | 108.6315% | 1,005 |
| Total domestic deposits to total assets | 78.5422% | 4,885 |
| Equity capital to assets | 9.9202% | 4,324 |
| Core capital (leverage) ratio | 9.7163% | 3,905 |
| Tier 1 risk-based capital ratio | 12.8889% | 4,263 |
| Total risk-based capital ratio | 14.1432% | 4,174 |
| Memoranda: | ||
| Average total assets | $343,335,670 | 1,943 |
| Average earning assets | $317,907,000 | 1,942 |
| Average equity | $33,516,330 | 2,172 |
| Average total loans | $245,625,670 | 1,828 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 1,442 |
| Cost of funding earning assets | 0.6830% | 875 |
| Net interest margin | 3.8409% | 2,139 |
| Noninterest income to average assets | 0.9537% | 1,176 |
| Noninterest expense to average assets | 1.8085% | 5,644 |
| Loan and lease loss provision to assets | 0.5880% | 189 |
| Net operating income to assets | 1.7251% | 542 |
| Return on assets (ROA) | 1.7251% | 576 |
| Pretax return on assets | 2.1084% | 454 |
| Return on Equity (ROE) | 17.8196% | 372 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,261 |
| Net charge-offs to loans | 0.0926% | 1,585 |
| Credit loss provision to net charge-offs | 892.8571% | 407 |
| Earnings coverage of net charge-offs (x) | 40.9464% | 998 |
| Efficiency ratio | 40.1462% | 5,958 |
| Assets per employee ($millions) | 7.0178% | 890 |
| Cash dividends to net income (ytd only)* | 74.9830% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,363 |
| Loan loss allowance to noncurrent loans | 185.0606% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 3,096 |
| Noncurrent loans to loans | 0.9204% | 2,550 |
| Net loans and leases to total assets | 69.2297% | 2,466 |
| Net loans and leases to deposits | 84.4511% | 2,255 |
| Net loans and leases to core deposits | 103.7461% | 1,204 |
| Total domestic deposits to total assets | 81.9761% | 4,241 |
| Equity capital to assets | 9.6589% | 4,494 |
| Core capital (leverage) ratio | 9.5009% | 4,197 |
| Tier 1 risk-based capital ratio | 12.8201% | 4,383 |
| Total risk-based capital ratio | 14.0749% | 4,289 |
| Memoranda: | ||
| Average total assets | $340,162,500 | 1,969 |
| Average earning assets | $314,507,500 | 1,974 |
| Average equity | $32,930,000 | 2,199 |
| Average total loans | $241,913,000 | 1,848 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 1,748 |
| Cost of funding earning assets | 0.6670% | 979 |
| Net interest margin | 3.7823% | 2,435 |
| Noninterest income to average assets | 0.3332% | 4,517 |
| Noninterest expense to average assets | 1.8876% | 5,633 |
| Loan and lease loss provision to assets | 0.2899% | 601 |
| Net operating income to assets | 1.1893% | 1,590 |
| Return on assets (ROA) | 1.1893% | 1,665 |
| Pretax return on assets | 1.6604% | 1,081 |
| Return on Equity (ROE) | 13.0067% | 1,058 |
| Retained earnings to average equity (ytd only) | 5.9622% | 1,813 |
| Net charge-offs to loans | 0.2259% | 1,313 |
| Credit loss provision to net charge-offs | 181.6514% | 1,503 |
| Earnings coverage of net charge-offs (x) | 12.2220% | 2,486 |
| Efficiency ratio | 49.1837% | 5,791 |
| Assets per employee ($millions) | 7.3093% | 782 |
| Cash dividends to net income (ytd only)* | 54.1605% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,888 |
| Loan loss allowance to noncurrent loans | 228.4295% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 3,485 |
| Noncurrent loans to loans | 0.6667% | 3,196 |
| Net loans and leases to total assets | 70.7738% | 2,253 |
| Net loans and leases to deposits | 88.1715% | 1,859 |
| Net loans and leases to core deposits | 110.9666% | 813 |
| Total domestic deposits to total assets | 80.2683% | 4,676 |
| Equity capital to assets | 9.6450% | 4,381 |
| Core capital (leverage) ratio | 9.3396% | 4,410 |
| Tier 1 risk-based capital ratio | 12.7712% | 4,468 |
| Total risk-based capital ratio | 14.0247% | 4,367 |
| Memoranda: | ||
| Average total assets | $341,541,800 | 1,911 |
| Average earning assets | $316,477,800 | 1,911 |
| Average equity | $31,230,000 | 2,236 |
| Average total loans | $241,210,600 | 1,789 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 1,897 |
| Cost of funding earning assets | 0.6652% | 1,001 |
| Net interest margin | 3.7435% | 2,598 |
| Noninterest income to average assets | 0.2551% | 5,116 |
| Noninterest expense to average assets | 1.6951% | 5,906 |
| Loan and lease loss provision to assets | 0.2625% | 631 |
| Net operating income to assets | 1.2358% | 1,537 |
| Return on assets (ROA) | 1.2358% | 1,592 |
| Pretax return on assets | 1.7596% | 974 |
| Return on Equity (ROE) | 13.6993% | 962 |
| Retained earnings to average equity (ytd only) | 4.2158% | 3,467 |
| Net charge-offs to loans | 0.1764% | 1,421 |
| Credit loss provision to net charge-offs | 211.5987% | 1,282 |
| Earnings coverage of net charge-offs (x) | 16.3010% | 2,126 |
| Efficiency ratio | 45.6010% | 5,978 |
| Assets per employee ($millions) | 7.8679% | 573 |
| Cash dividends to net income (ytd only)* | 69.2259% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 2,251 |
| Loan loss allowance to noncurrent loans | 164.9518% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6288% | 3,381 |
| Noncurrent loans to loans | 0.8955% | 2,737 |
| Net loans and leases to total assets | 69.1835% | 2,509 |
| Net loans and leases to deposits | 86.9236% | 2,037 |
| Net loans and leases to core deposits | 110.9904% | 822 |
| Total domestic deposits to total assets | 79.5911% | 4,836 |
| Equity capital to assets | 9.0309% | 5,280 |
| Core capital (leverage) ratio | 8.6366% | 5,425 |
| Tier 1 risk-based capital ratio | 11.4808% | 5,386 |
| Total risk-based capital ratio | 12.7326% | 5,307 |
| Memoranda: | ||
| Average total assets | $342,870,750 | 1,918 |
| Average earning assets | $317,094,250 | 1,925 |
| Average equity | $30,930,250 | 2,271 |
| Average total loans | $241,103,250 | 1,796 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 2,062 |
| Cost of funding earning assets | 0.6578% | 1,061 |
| Net interest margin | 3.6790% | 2,803 |
| Noninterest income to average assets | 0.2663% | 5,047 |
| Noninterest expense to average assets | 1.7041% | 5,965 |
| Loan and lease loss provision to assets | 0.2633% | 637 |
| Net operating income to assets | 1.2090% | 1,567 |
| Return on assets (ROA) | 1.2090% | 1,647 |
| Pretax return on assets | 1.7123% | 1,061 |
| Return on Equity (ROE) | 13.4073% | 1,038 |
| Retained earnings to average equity (ytd only) | 6.2689% | 2,080 |
| Net charge-offs to loans | 0.0607% | 2,517 |
| Credit loss provision to net charge-offs | 616.4384% | 539 |
| Earnings coverage of net charge-offs (x) | 46.2466% | 1,015 |
| Efficiency ratio | 46.3104% | 6,028 |
| Assets per employee ($millions) | 7.6748% | 617 |
| Cash dividends to net income (ytd only)* | 53.2430% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 2,419 |
| Loan loss allowance to noncurrent loans | 226.7420% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 3,743 |
| Noncurrent loans to loans | 0.6476% | 3,536 |
| Net loans and leases to total assets | 71.7782% | 2,024 |
| Net loans and leases to deposits | 89.6081% | 1,644 |
| Net loans and leases to core deposits | 113.2399% | 700 |
| Total domestic deposits to total assets | 80.1023% | 4,840 |
| Equity capital to assets | 9.1607% | 5,071 |
| Core capital (leverage) ratio | 8.7806% | 5,249 |
| Tier 1 risk-based capital ratio | 10.9151% | 5,754 |
| Total risk-based capital ratio | 12.1661% | 5,670 |
| Memoranda: | ||
| Average total assets | $341,765,000 | 1,936 |
| Average earning assets | $317,100,000 | 1,935 |
| Average equity | $30,819,000 | 2,286 |
| Average total loans | $240,439,000 | 1,810 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,298 |
| Cost of funding earning assets | 0.6544% | 1,087 |
| Net interest margin | 3.5903% | 3,048 |
| Noninterest income to average assets | 0.2711% | 5,011 |
| Noninterest expense to average assets | 1.6603% | 6,052 |
| Loan and lease loss provision to assets | 0.2618% | 612 |
| Net operating income to assets | 1.1995% | 1,548 |
| Return on assets (ROA) | 1.1995% | 1,647 |
| Pretax return on assets | 1.6812% | 1,088 |
| Return on Equity (ROE) | 13.4066% | 1,007 |
| Retained earnings to average equity (ytd only) | -0.8972% | 5,537 |
| Net charge-offs to loans | 0.0875% | 1,844 |
| Credit loss provision to net charge-offs | 432.6923% | 615 |
| Earnings coverage of net charge-offs (x) | 32.1154% | 1,106 |
| Efficiency ratio | 46.0768% | 6,098 |
| Assets per employee ($millions) | 8.0155% | 544 |
| Cash dividends to net income (ytd only)* | 106.6925% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 2,697 |
| Loan loss allowance to noncurrent loans | 260.7498% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,274 |
| Noncurrent loans to loans | 0.5547% | 3,919 |
| Net loans and leases to total assets | 65.8410% | 2,805 |
| Net loans and leases to deposits | 79.8158% | 2,576 |
| Net loans and leases to core deposits | 95.9414% | 1,616 |
| Total domestic deposits to total assets | 82.4912% | 4,355 |
| Equity capital to assets | 8.7113% | 5,564 |
| Core capital (leverage) ratio | 8.3226% | 5,701 |
| Tier 1 risk-based capital ratio | 10.0050% | 6,167 |
| Total risk-based capital ratio | 11.2190% | 6,135 |
| Memoranda: | ||
| Average total assets | $343,801,000 | 1,936 |
| Average earning assets | $319,082,500 | 1,929 |
| Average equity | $30,761,000 | 2,308 |
| Average total loans | $237,657,500 | 1,828 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 1,359 |
| Cost of funding earning assets | 0.6477% | 1,421 |
| Net interest margin | 4.0313% | 1,801 |
| Noninterest income to average assets | 0.2944% | 5,014 |
| Noninterest expense to average assets | 1.8597% | 5,992 |
| Loan and lease loss provision to assets | 0.2950% | 698 |
| Net operating income to assets | 1.3275% | 1,237 |
| Return on assets (ROA) | 1.3333% | 1,273 |
| Pretax return on assets | 1.8621% | 695 |
| Return on Equity (ROE) | 15.9789% | 624 |
| Retained earnings to average equity (ytd only) | 8.5141% | 824 |
| Net charge-offs to loans | 0.1274% | 2,752 |
| Credit loss provision to net charge-offs | 322.0339% | 814 |
| Earnings coverage of net charge-offs (x) | 23.4610% | 1,582 |
| Efficiency ratio | 46.3904% | 6,254 |
| Assets per employee ($millions) | 7.7889% | 580 |
| Cash dividends to net income (ytd only)* | 46.7163% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 3,172 |
| Loan loss allowance to noncurrent loans | 282.2862% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 4,234 |
| Noncurrent loans to loans | 0.4781% | 4,225 |
| Net loans and leases to total assets | 70.6027% | 2,141 |
| Net loans and leases to deposits | 86.4449% | 1,919 |
| Net loans and leases to core deposits | 106.4846% | 988 |
| Total domestic deposits to total assets | 81.6736% | 4,540 |
| Equity capital to assets | 9.1959% | 5,080 |
| Core capital (leverage) ratio | 8.8061% | 5,240 |
| Tier 1 risk-based capital ratio | 11.3750% | 5,730 |
| Total risk-based capital ratio | 12.6068% | 5,655 |
| Memoranda: | ||
| Average total assets | $322,047,400 | 2,014 |
| Average earning assets | $296,728,200 | 2,020 |
| Average equity | $26,873,000 | 2,497 |
| Average total loans | $231,556,000 | 1,814 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,303 |
| Cost of funding earning assets | 0.6364% | 1,553 |
| Net interest margin | 4.0639% | 1,683 |
| Noninterest income to average assets | 0.2906% | 5,117 |
| Noninterest expense to average assets | 1.6615% | 6,236 |
| Loan and lease loss provision to assets | 0.2718% | 768 |
| Net operating income to assets | 1.4556% | 1,016 |
| Return on assets (ROA) | 1.4574% | 1,051 |
| Pretax return on assets | 2.1014% | 458 |
| Return on Equity (ROE) | 17.9462% | 453 |
| Retained earnings to average equity (ytd only) | 7.6162% | 1,527 |
| Net charge-offs to loans | 0.1098% | 2,700 |
| Credit loss provision to net charge-offs | 343.9153% | 816 |
| Earnings coverage of net charge-offs (x) | 29.9952% | 1,372 |
| Efficiency ratio | 41.2051% | 6,432 |
| Assets per employee ($millions) | 7.8398% | 555 |
| Cash dividends to net income (ytd only)* | 57.5610% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 3,965 |
| Loan loss allowance to noncurrent loans | 213.2539% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 4,437 |
| Noncurrent loans to loans | 0.5852% | 4,168 |
| Net loans and leases to total assets | 71.3789% | 1,954 |
| Net loans and leases to deposits | 92.4607% | 1,192 |
| Net loans and leases to core deposits | 113.7060% | 592 |
| Total domestic deposits to total assets | 77.1993% | 5,641 |
| Equity capital to assets | 8.4236% | 5,860 |
| Core capital (leverage) ratio | 8.1482% | 5,972 |
| Tier 1 risk-based capital ratio | 11.3517% | 5,861 |
| Total risk-based capital ratio | 12.5993% | 5,795 |
| Memoranda: | ||
| Average total assets | $318,828,750 | 2,052 |
| Average earning assets | $293,539,250 | 2,053 |
| Average equity | $25,891,500 | 2,591 |
| Average total loans | $229,520,250 | 1,835 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,307 |
| Cost of funding earning assets | 0.6244% | 1,692 |
| Net interest margin | 4.0630% | 1,629 |
| Noninterest income to average assets | 0.2916% | 5,088 |
| Noninterest expense to average assets | 1.6602% | 6,305 |
| Loan and lease loss provision to assets | 0.2238% | 1,031 |
| Net operating income to assets | 1.4855% | 895 |
| Return on assets (ROA) | 1.4882% | 924 |
| Pretax return on assets | 2.1481% | 406 |
| Return on Equity (ROE) | 18.5741% | 402 |
| Retained earnings to average equity (ytd only) | 10.7358% | 578 |
| Net charge-offs to loans | 0.1370% | 2,298 |
| Credit loss provision to net charge-offs | 227.2727% | 1,056 |
| Earnings coverage of net charge-offs (x) | 24.0455% | 1,442 |
| Efficiency ratio | 41.2129% | 6,498 |
| Assets per employee ($millions) | 7.8926% | 527 |
| Cash dividends to net income (ytd only)* | 42.2003% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 4,626 |
| Loan loss allowance to noncurrent loans | 223.8710% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 4,704 |
| Noncurrent loans to loans | 0.5176% | 4,455 |
| Net loans and leases to total assets | 71.4360% | 1,837 |
| Net loans and leases to deposits | 92.1678% | 1,127 |
| Net loans and leases to core deposits | 116.2650% | 469 |
| Total domestic deposits to total assets | 77.5065% | 5,720 |
| Equity capital to assets | 8.0120% | 6,149 |
| Core capital (leverage) ratio | 8.1867% | 5,943 |
| Tier 1 risk-based capital ratio | 10.8822% | 6,101 |
| Total risk-based capital ratio | 12.0443% | 6,080 |
| Memoranda: | ||
| Average total assets | $312,734,330 | 2,092 |
| Average earning assets | $287,620,000 | 2,089 |
| Average equity | $25,056,330 | 2,657 |
| Average total loans | $224,804,330 | 1,867 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 1,309 |
| Cost of funding earning assets | 0.6195% | 1,819 |
| Net interest margin | 4.0581% | 1,579 |
| Noninterest income to average assets | 0.2888% | 5,062 |
| Noninterest expense to average assets | 1.7036% | 6,345 |
| Loan and lease loss provision to assets | 0.2308% | 959 |
| Net operating income to assets | 1.4636% | 872 |
| Return on assets (ROA) | 1.4636% | 901 |
| Pretax return on assets | 2.1031% | 426 |
| Return on Equity (ROE) | 18.2678% | 424 |
| Retained earnings to average equity (ytd only) | 2.1066% | 4,756 |
| Net charge-offs to loans | 0.0074% | 3,502 |
| Credit loss provision to net charge-offs | 4,375.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 442.5000% | 100 |
| Efficiency ratio | 42.1946% | 6,545 |
| Assets per employee ($millions) | 7.4074% | 657 |
| Cash dividends to net income (ytd only)* | 88.4685% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,395 |
| Loan loss allowance to noncurrent loans | 352.2407% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 5,189 |
| Noncurrent loans to loans | 0.3541% | 5,058 |
| Net loans and leases to total assets | 70.0077% | 1,884 |
| Net loans and leases to deposits | 87.5860% | 1,407 |
| Net loans and leases to core deposits | 109.1313% | 620 |
| Total domestic deposits to total assets | 79.9302% | 5,497 |
| Equity capital to assets | 7.9711% | 6,081 |
| Core capital (leverage) ratio | 8.1802% | 5,967 |
| Tier 1 risk-based capital ratio | 10.9420% | 6,176 |
| Total risk-based capital ratio | 12.1568% | 6,145 |
| Memoranda: | ||
| Average total assets | $303,356,000 | 2,161 |
| Average earning assets | $280,229,000 | 2,146 |
| Average equity | $24,305,000 | 2,720 |
| Average total loans | $217,416,500 | 1,914 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 1,274 |
| Cost of funding earning assets | 0.6525% | 2,186 |
| Net interest margin | 4.1647% | 1,459 |
| Noninterest income to average assets | 0.3251% | 5,007 |
| Noninterest expense to average assets | 2.0215% | 5,990 |
| Loan and lease loss provision to assets | 0.2281% | 1,593 |
| Net operating income to assets | 1.3643% | 1,100 |
| Return on assets (ROA) | 1.3972% | 1,071 |
| Pretax return on assets | 1.9320% | 563 |
| Return on Equity (ROE) | 16.9535% | 506 |
| Retained earnings to average equity (ytd only) | 9.3824% | 681 |
| Net charge-offs to loans | 0.1286% | 3,526 |
| Credit loss provision to net charge-offs | 256.9721% | 881 |
| Earnings coverage of net charge-offs (x) | 23.8167% | 1,394 |
| Efficiency ratio | 48.8754% | 6,454 |
| Assets per employee ($millions) | 7.0381% | 746 |
| Cash dividends to net income (ytd only)* | 44.6582% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 4,636 |
| Loan loss allowance to noncurrent loans | 377.3392% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 5,314 |
| Noncurrent loans to loans | 0.3192% | 5,231 |
| Net loans and leases to total assets | 71.6166% | 1,752 |
| Net loans and leases to deposits | 86.7861% | 1,598 |
| Net loans and leases to core deposits | 107.9397% | 700 |
| Total domestic deposits to total assets | 82.5208% | 4,704 |
| Equity capital to assets | 8.0551% | 5,976 |
| Core capital (leverage) ratio | 8.3864% | 5,796 |
| Tier 1 risk-based capital ratio | 11.4134% | 5,956 |
| Total risk-based capital ratio | 12.6079% | 5,922 |
| Memoranda: | ||
| Average total assets | $282,711,000 | 2,249 |
| Average earning assets | $258,696,600 | 2,257 |
| Average equity | $23,299,000 | 2,787 |
| Average total loans | $195,226,400 | 2,045 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 1,355 |
| Cost of funding earning assets | 0.6581% | 2,294 |
| Net interest margin | 4.1369% | 1,519 |
| Noninterest income to average assets | 0.2953% | 5,335 |
| Noninterest expense to average assets | 1.7718% | 6,386 |
| Loan and lease loss provision to assets | 0.2361% | 1,526 |
| Net operating income to assets | 1.4132% | 1,078 |
| Return on assets (ROA) | 1.4550% | 1,025 |
| Pretax return on assets | 2.1276% | 449 |
| Return on Equity (ROE) | 17.5503% | 482 |
| Retained earnings to average equity (ytd only) | 7.3999% | 1,685 |
| Net charge-offs to loans | 0.1393% | 3,143 |
| Credit loss provision to net charge-offs | 248.7437% | 992 |
| Earnings coverage of net charge-offs (x) | 24.2510% | 1,430 |
| Efficiency ratio | 43.4895% | 6,670 |
| Assets per employee ($millions) | 7.6010% | 562 |
| Cash dividends to net income (ytd only)* | 57.8360% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,946 |
| Loan loss allowance to noncurrent loans | 389.7959% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 5,527 |
| Noncurrent loans to loans | 0.3035% | 5,471 |
| Net loans and leases to total assets | 69.9580% | 1,977 |
| Net loans and leases to deposits | 88.7256% | 1,291 |
| Net loans and leases to core deposits | 111.3066% | 528 |
| Total domestic deposits to total assets | 78.8475% | 5,772 |
| Equity capital to assets | 7.7338% | 6,296 |
| Core capital (leverage) ratio | 8.0206% | 6,205 |
| Tier 1 risk-based capital ratio | 11.2020% | 6,184 |
| Total risk-based capital ratio | 12.3730% | 6,190 |
| Memoranda: | ||
| Average total assets | $279,488,250 | 2,282 |
| Average earning assets | $255,291,500 | 2,294 |
| Average equity | $23,171,000 | 2,828 |
| Average total loans | $190,462,750 | 2,092 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,500 |
| Cost of funding earning assets | 0.6758% | 2,260 |
| Net interest margin | 4.0493% | 1,696 |
| Noninterest income to average assets | 0.3133% | 5,196 |
| Noninterest expense to average assets | 1.8018% | 6,377 |
| Loan and lease loss provision to assets | 0.2191% | 1,734 |
| Net operating income to assets | 1.3986% | 1,083 |
| Return on assets (ROA) | 1.3986% | 1,164 |
| Pretax return on assets | 2.0034% | 605 |
| Return on Equity (ROE) | 16.4712% | 606 |
| Retained earnings to average equity (ytd only) | 8.0249% | 1,477 |
| Net charge-offs to loans | 0.0685% | 3,733 |
| Credit loss provision to net charge-offs | 476.1905% | 576 |
| Earnings coverage of net charge-offs (x) | 48.3016% | 822 |
| Efficiency ratio | 44.7731% | 6,688 |
| Assets per employee ($millions) | 6.8699% | 762 |
| Cash dividends to net income (ytd only)* | 51.2794% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 4,859 |
| Loan loss allowance to noncurrent loans | 443.1444% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 5,727 |
| Noncurrent loans to loans | 0.2764% | 5,609 |
| Net loans and leases to total assets | 69.4136% | 1,994 |
| Net loans and leases to deposits | 88.5837% | 1,274 |
| Net loans and leases to core deposits | 110.5255% | 545 |
| Total domestic deposits to total assets | 78.3593% | 5,906 |
| Equity capital to assets | 8.0465% | 6,170 |
| Core capital (leverage) ratio | 8.5652% | 5,589 |
| Tier 1 risk-based capital ratio | 11.6165% | 6,046 |
| Total risk-based capital ratio | 12.8199% | 6,031 |
| Memoranda: | ||
| Average total assets | $273,838,330 | 2,333 |
| Average earning assets | $250,955,670 | 2,338 |
| Average equity | $23,252,670 | 2,839 |
| Average total loans | $183,995,330 | 2,164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 1,588 |
| Cost of funding earning assets | 0.6970% | 2,245 |
| Net interest margin | 3.9846% | 1,848 |
| Noninterest income to average assets | 0.3082% | 5,221 |
| Noninterest expense to average assets | 1.7916% | 6,449 |
| Loan and lease loss provision to assets | 0.2223% | 1,664 |
| Net operating income to assets | 1.3604% | 1,124 |
| Return on assets (ROA) | 1.3604% | 1,214 |
| Pretax return on assets | 1.9457% | 666 |
| Return on Equity (ROE) | 15.5943% | 664 |
| Retained earnings to average equity (ytd only) | -1.0872% | 5,966 |
| Net charge-offs to loans | 0.0904% | 2,939 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 36.5750% | 848 |
| Efficiency ratio | 45.2470% | 6,721 |
| Assets per employee ($millions) | 6.3849% | 1,030 |
| Cash dividends to net income (ytd only)* | 106.9717% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,718 |
| Loan loss allowance to noncurrent loans | 568.5644% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 5,870 |
| Noncurrent loans to loans | 0.2279% | 5,844 |
| Net loans and leases to total assets | 65.2434% | 2,505 |
| Net loans and leases to deposits | 80.0545% | 2,060 |
| Net loans and leases to core deposits | 98.0926% | 1,072 |
| Total domestic deposits to total assets | 81.4987% | 5,361 |
| Equity capital to assets | 8.6163% | 5,900 |
| Core capital (leverage) ratio | 8.3043% | 5,821 |
| Tier 1 risk-based capital ratio | 11.8978% | 5,976 |
| Total risk-based capital ratio | 13.1177% | 5,961 |
| Memoranda: | ||
| Average total assets | $269,925,500 | 2,394 |
| Average earning assets | $247,355,000 | 2,400 |
| Average equity | $23,547,000 | 2,849 |
| Average total loans | $177,024,500 | 2,245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 1,543 |
| Cost of funding earning assets | 0.7660% | 2,956 |
| Net interest margin | 4.2408% | 1,542 |
| Noninterest income to average assets | 0.3219% | 5,158 |
| Noninterest expense to average assets | 2.0824% | 6,162 |
| Loan and lease loss provision to assets | 0.2403% | 2,728 |
| Net operating income to assets | 1.3406% | 1,214 |
| Return on assets (ROA) | 1.3666% | 1,285 |
| Pretax return on assets | 1.9183% | 718 |
| Return on Equity (ROE) | 15.1459% | 788 |
| Retained earnings to average equity (ytd only) | 7.7635% | 1,204 |
| Net charge-offs to loans | 0.1031% | 4,639 |
| Credit loss provision to net charge-offs | 361.7647% | 675 |
| Earnings coverage of net charge-offs (x) | 31.9471% | 966 |
| Efficiency ratio | 49.5307% | 6,623 |
| Assets per employee ($millions) | 6.4687% | 1,020 |
| Cash dividends to net income (ytd only)* | 48.7421% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,950 |
| Loan loss allowance to noncurrent loans | 272.0149% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 5,336 |
| Noncurrent loans to loans | 0.4548% | 5,368 |
| Net loans and leases to total assets | 64.2672% | 2,855 |
| Net loans and leases to deposits | 78.6481% | 2,443 |
| Net loans and leases to core deposits | 95.7102% | 1,332 |
| Total domestic deposits to total assets | 81.7149% | 5,188 |
| Equity capital to assets | 8.8293% | 5,717 |
| Core capital (leverage) ratio | 8.3181% | 5,870 |
| Tier 1 risk-based capital ratio | 12.4617% | 5,503 |
| Total risk-based capital ratio | 13.6748% | 5,482 |
| Memoranda: | ||
| Average total assets | $255,957,200 | 2,479 |
| Average earning assets | $234,319,400 | 2,461 |
| Average equity | $23,095,400 | 2,840 |
| Average total loans | $164,949,600 | 2,362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 1,538 |
| Cost of funding earning assets | 0.7767% | 3,144 |
| Net interest margin | 4.2813% | 1,530 |
| Noninterest income to average assets | 0.3291% | 5,164 |
| Noninterest expense to average assets | 1.8670% | 6,586 |
| Loan and lease loss provision to assets | 0.2328% | 2,715 |
| Net operating income to assets | 1.4979% | 1,022 |
| Return on assets (ROA) | 1.5009% | 1,130 |
| Pretax return on assets | 2.1558% | 519 |
| Return on Equity (ROE) | 16.5378% | 665 |
| Retained earnings to average equity (ytd only) | 6.5988% | 2,331 |
| Net charge-offs to loans | 0.0724% | 4,684 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 51.2161% | 740 |
| Efficiency ratio | 43.9149% | 6,899 |
| Assets per employee ($millions) | 6.2692% | 1,087 |
| Cash dividends to net income (ytd only)* | 60.0988% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 5,244 |
| Loan loss allowance to noncurrent loans | 255.6777% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 5,658 |
| Noncurrent loans to loans | 0.4725% | 5,505 |
| Net loans and leases to total assets | 65.0313% | 2,831 |
| Net loans and leases to deposits | 82.1911% | 2,094 |
| Net loans and leases to core deposits | 103.1835% | 922 |
| Total domestic deposits to total assets | 79.1221% | 5,839 |
| Equity capital to assets | 8.9910% | 5,834 |
| Core capital (leverage) ratio | 8.2137% | 6,127 |
| Tier 1 risk-based capital ratio | 12.3453% | 5,738 |
| Total risk-based capital ratio | 13.5309% | 5,755 |
| Memoranda: | ||
| Average total assets | $252,025,000 | 2,537 |
| Average earning assets | $230,891,750 | 2,514 |
| Average equity | $22,872,250 | 2,890 |
| Average total loans | $161,989,000 | 2,429 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 1,772 |
| Cost of funding earning assets | 0.7848% | 3,322 |
| Net interest margin | 4.2223% | 1,692 |
| Noninterest income to average assets | 0.3327% | 5,167 |
| Noninterest expense to average assets | 1.8762% | 6,648 |
| Loan and lease loss provision to assets | 0.1933% | 3,154 |
| Net operating income to assets | 1.4934% | 1,006 |
| Return on assets (ROA) | 1.4968% | 1,115 |
| Pretax return on assets | 2.1429% | 532 |
| Return on Equity (ROE) | 16.4388% | 703 |
| Retained earnings to average equity (ytd only) | 9.2634% | 1,190 |
| Net charge-offs to loans | 0.0670% | 4,494 |
| Credit loss provision to net charge-offs | 452.8302% | 659 |
| Earnings coverage of net charge-offs (x) | 54.6038% | 681 |
| Efficiency ratio | 44.5912% | 6,931 |
| Assets per employee ($millions) | 6.0731% | 1,190 |
| Cash dividends to net income (ytd only)* | 43.6491% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,692 |
| Loan loss allowance to noncurrent loans | 147.2519% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 5,216 |
| Noncurrent loans to loans | 0.7614% | 4,985 |
| Net loans and leases to total assets | 66.6984% | 2,525 |
| Net loans and leases to deposits | 88.9224% | 1,267 |
| Net loans and leases to core deposits | 111.9299% | 511 |
| Total domestic deposits to total assets | 75.0074% | 6,590 |
| Equity capital to assets | 9.1543% | 5,513 |
| Core capital (leverage) ratio | 8.7688% | 5,272 |
| Tier 1 risk-based capital ratio | 12.0541% | 5,892 |
| Total risk-based capital ratio | 13.1247% | 5,981 |
| Memoranda: | ||
| Average total assets | $248,264,330 | 2,568 |
| Average earning assets | $227,839,000 | 2,550 |
| Average equity | $22,605,000 | 2,903 |
| Average total loans | $158,210,000 | 2,486 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 1,839 |
| Cost of funding earning assets | 0.8202% | 3,314 |
| Net interest margin | 4.1941% | 1,771 |
| Noninterest income to average assets | 0.3447% | 5,102 |
| Noninterest expense to average assets | 1.8607% | 6,717 |
| Loan and lease loss provision to assets | 0.1715% | 3,255 |
| Net operating income to assets | 1.5158% | 995 |
| Return on assets (ROA) | 1.5192% | 1,110 |
| Pretax return on assets | 2.1514% | 583 |
| Return on Equity (ROE) | 16.7323% | 707 |
| Retained earnings to average equity (ytd only) | 2.5908% | 4,962 |
| Net charge-offs to loans | -0.0132% | 6,035 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5270% | 6,964 |
| Assets per employee ($millions) | 6.0651% | 1,245 |
| Cash dividends to net income (ytd only)* | 84.5161% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,421 |
| Loan loss allowance to noncurrent loans | 223.9420% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 5,628 |
| Noncurrent loans to loans | 0.5423% | 5,575 |
| Net loans and leases to total assets | 62.0911% | 3,239 |
| Net loans and leases to deposits | 78.5110% | 2,417 |
| Net loans and leases to core deposits | 96.0572% | 1,295 |
| Total domestic deposits to total assets | 79.0858% | 6,056 |
| Equity capital to assets | 9.1861% | 5,253 |
| Core capital (leverage) ratio | 8.5349% | 5,533 |
| Tier 1 risk-based capital ratio | 13.2012% | 5,069 |
| Total risk-based capital ratio | 14.3757% | 5,085 |
| Memoranda: | ||
| Average total assets | $244,860,500 | 2,613 |
| Average earning assets | $223,837,500 | 2,616 |
| Average equity | $22,232,500 | 2,955 |
| Average total loans | $151,286,000 | 2,613 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 1,218 |
| Cost of funding earning assets | 1.1210% | 2,529 |
| Net interest margin | 4.3559% | 1,525 |
| Noninterest income to average assets | 0.3423% | 5,082 |
| Noninterest expense to average assets | 2.8197% | 4,272 |
| Loan and lease loss provision to assets | 0.2842% | 3,388 |
| Net operating income to assets | 0.9135% | 2,544 |
| Return on assets (ROA) | 0.9145% | 2,663 |
| Pretax return on assets | 1.1961% | 2,473 |
| Return on Equity (ROE) | 9.8738% | 2,102 |
| Retained earnings to average equity (ytd only) | 1.9634% | 4,811 |
| Net charge-offs to loans | 0.2187% | 4,420 |
| Credit loss provision to net charge-offs | 207.0064% | 1,197 |
| Earnings coverage of net charge-offs (x) | 10.7739% | 1,797 |
| Efficiency ratio | 65.5954% | 4,848 |
| Assets per employee ($millions) | 6.6788% | 871 |
| Cash dividends to net income (ytd only)* | 80.1147% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 5,573 |
| Loan loss allowance to noncurrent loans | 85.5179% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 4,661 |
| Noncurrent loans to loans | 1.3572% | 4,109 |
| Net loans and leases to total assets | 60.0293% | 3,987 |
| Net loans and leases to deposits | 75.4560% | 3,267 |
| Net loans and leases to core deposits | 92.5172% | 1,834 |
| Total domestic deposits to total assets | 79.5554% | 5,856 |
| Equity capital to assets | 8.9751% | 5,576 |
| Core capital (leverage) ratio | 8.3361% | 5,799 |
| Tier 1 risk-based capital ratio | 12.5430% | 5,412 |
| Total risk-based capital ratio | 13.6000% | 5,549 |
| Memoranda: | ||
| Average total assets | $228,748,800 | 2,739 |
| Average earning assets | $207,763,600 | 2,756 |
| Average equity | $21,187,400 | 2,987 |
| Average total loans | $143,544,200 | 2,730 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 1,084 |
| Cost of funding earning assets | 1.1572% | 2,589 |
| Net interest margin | 4.4195% | 1,351 |
| Noninterest income to average assets | 0.3373% | 5,158 |
| Noninterest expense to average assets | 2.0265% | 6,642 |
| Loan and lease loss provision to assets | 0.3123% | 3,026 |
| Net operating income to assets | 1.4203% | 1,118 |
| Return on assets (ROA) | 1.4216% | 1,184 |
| Pretax return on assets | 2.0075% | 616 |
| Return on Equity (ROE) | 15.2181% | 801 |
| Retained earnings to average equity (ytd only) | 4.8647% | 3,266 |
| Net charge-offs to loans | 0.2650% | 3,786 |
| Credit loss provision to net charge-offs | 186.1702% | 1,575 |
| Earnings coverage of net charge-offs (x) | 13.8192% | 1,581 |
| Efficiency ratio | 46.6457% | 7,029 |
| Assets per employee ($millions) | 6.4682% | 962 |
| Cash dividends to net income (ytd only)* | 68.0335% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,929 |
| Loan loss allowance to noncurrent loans | 211.4103% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 5,819 |
| Noncurrent loans to loans | 0.5159% | 5,817 |
| Net loans and leases to total assets | 62.4878% | 3,614 |
| Net loans and leases to deposits | 79.1537% | 2,782 |
| Net loans and leases to core deposits | 97.6391% | 1,452 |
| Total domestic deposits to total assets | 78.9449% | 5,996 |
| Equity capital to assets | 9.2502% | 5,452 |
| Core capital (leverage) ratio | 9.0828% | 4,804 |
| Tier 1 risk-based capital ratio | 13.3965% | 4,811 |
| Total risk-based capital ratio | 14.4476% | 4,930 |
| Memoranda: | ||
| Average total assets | $224,157,000 | 2,801 |
| Average earning assets | $203,245,000 | 2,815 |
| Average equity | $20,939,500 | 3,018 |
| Average total loans | $141,909,250 | 2,778 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 1,080 |
| Cost of funding earning assets | 1.1626% | 2,831 |
| Net interest margin | 4.4333% | 1,285 |
| Noninterest income to average assets | 0.3387% | 5,176 |
| Noninterest expense to average assets | 2.0821% | 6,631 |
| Loan and lease loss provision to assets | 0.3423% | 2,732 |
| Net operating income to assets | 1.3768% | 1,132 |
| Return on assets (ROA) | 1.3774% | 1,201 |
| Pretax return on assets | 1.9251% | 668 |
| Return on Equity (ROE) | 14.6933% | 857 |
| Retained earnings to average equity (ytd only) | 6.5044% | 2,139 |
| Net charge-offs to loans | 0.1887% | 4,027 |
| Credit loss provision to net charge-offs | 286.2595% | 1,063 |
| Earnings coverage of net charge-offs (x) | 18.9542% | 1,236 |
| Efficiency ratio | 47.8799% | 7,067 |
| Assets per employee ($millions) | 6.1127% | 1,124 |
| Cash dividends to net income (ytd only)* | 55.7323% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,779 |
| Loan loss allowance to noncurrent loans | 215.6863% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 5,627 |
| Noncurrent loans to loans | 0.5302% | 5,850 |
| Net loans and leases to total assets | 63.0635% | 3,665 |
| Net loans and leases to deposits | 81.6470% | 2,499 |
| Net loans and leases to core deposits | 106.8285% | 878 |
| Total domestic deposits to total assets | 77.2391% | 6,418 |
| Equity capital to assets | 9.4770% | 4,844 |
| Core capital (leverage) ratio | 9.5253% | 3,918 |
| Tier 1 risk-based capital ratio | 14.0100% | 4,167 |
| Total risk-based capital ratio | 15.1147% | 4,226 |
| Memoranda: | ||
| Average total assets | $219,101,000 | 2,870 |
| Average earning assets | $198,182,000 | 2,898 |
| Average equity | $20,540,000 | 3,060 |
| Average total loans | $138,813,000 | 2,871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 1,076 |
| Cost of funding earning assets | 1.1759% | 2,977 |
| Net interest margin | 4.4144% | 1,244 |
| Noninterest income to average assets | 0.3062% | 5,481 |
| Noninterest expense to average assets | 2.0968% | 6,643 |
| Loan and lease loss provision to assets | 0.4175% | 2,105 |
| Net operating income to assets | 1.3129% | 1,237 |
| Return on assets (ROA) | 1.3156% | 1,277 |
| Pretax return on assets | 1.7869% | 839 |
| Return on Equity (ROE) | 14.1144% | 969 |
| Retained earnings to average equity (ytd only) | -2.0306% | 6,148 |
| Net charge-offs to loans | 0.3204% | 2,775 |
| Credit loss provision to net charge-offs | 206.4220% | 1,440 |
| Earnings coverage of net charge-offs (x) | 10.8807% | 1,602 |
| Efficiency ratio | 48.7910% | 7,079 |
| Assets per employee ($millions) | 5.7650% | 1,363 |
| Cash dividends to net income (ytd only)* | 114.3865% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 6,003 |
| Loan loss allowance to noncurrent loans | 239.3082% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 5,665 |
| Noncurrent loans to loans | 0.4643% | 6,087 |
| Net loans and leases to total assets | 63.5042% | 3,541 |
| Net loans and leases to deposits | 80.4711% | 2,618 |
| Net loans and leases to core deposits | 102.1908% | 1,187 |
| Total domestic deposits to total assets | 78.9155% | 6,213 |
| Equity capital to assets | 9.4119% | 4,553 |
| Core capital (leverage) ratio | 9.3756% | 4,005 |
| Tier 1 risk-based capital ratio | 14.3339% | 3,844 |
| Total risk-based capital ratio | 15.4163% | 3,930 |
| Memoranda: | ||
| Average total assets | $215,567,000 | 2,928 |
| Average earning assets | $194,907,000 | 2,947 |
| Average equity | $20,093,000 | 3,097 |
| Average total loans | $136,079,500 | 2,968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 1,692 |
| Cost of funding earning assets | 1.3602% | 3,512 |
| Net interest margin | 4.3073% | 1,797 |
| Noninterest income to average assets | 0.3596% | 5,233 |
| Noninterest expense to average assets | 2.2324% | 6,535 |
| Loan and lease loss provision to assets | 0.4074% | 3,666 |
| Net operating income to assets | 1.1816% | 1,457 |
| Return on assets (ROA) | 1.1822% | 1,531 |
| Pretax return on assets | 1.6288% | 1,075 |
| Return on Equity (ROE) | 12.9622% | 1,098 |
| Retained earnings to average equity (ytd only) | 4.7466% | 2,579 |
| Net charge-offs to loans | 0.5315% | 3,493 |
| Credit loss provision to net charge-offs | 125.3501% | 3,256 |
| Earnings coverage of net charge-offs (x) | 6.2619% | 2,400 |
| Efficiency ratio | 52.3093% | 6,965 |
| Assets per employee ($millions) | 6.0508% | 1,175 |
| Cash dividends to net income (ytd only)* | 63.3808% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 6,191 |
| Loan loss allowance to noncurrent loans | 185.9788% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 5,109 |
| Noncurrent loans to loans | 0.5593% | 5,932 |
| Net loans and leases to total assets | 61.4121% | 4,416 |
| Net loans and leases to deposits | 78.8116% | 3,364 |
| Net loans and leases to core deposits | 102.4586% | 1,417 |
| Total domestic deposits to total assets | 77.9227% | 6,333 |
| Equity capital to assets | 9.2320% | 4,788 |
| Core capital (leverage) ratio | 8.7881% | 4,877 |
| Tier 1 risk-based capital ratio | 14.4772% | 3,561 |
| Total risk-based capital ratio | 15.4820% | 3,676 |
| Memoranda: | ||
| Average total assets | $219,670,800 | 2,872 |
| Average earning assets | $199,311,000 | 2,888 |
| Average equity | $20,035,200 | 3,143 |
| Average total loans | $134,333,800 | 3,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6627% | 1,836 |
| Cost of funding earning assets | 1.3825% | 3,691 |
| Net interest margin | 4.2802% | 1,912 |
| Noninterest income to average assets | 0.3501% | 5,370 |
| Noninterest expense to average assets | 2.1423% | 6,753 |
| Loan and lease loss provision to assets | 0.2998% | 4,177 |
| Net operating income to assets | 1.2797% | 1,382 |
| Return on assets (ROA) | 1.2822% | 1,454 |
| Pretax return on assets | 1.7989% | 927 |
| Return on Equity (ROE) | 14.1014% | 1,011 |
| Retained earnings to average equity (ytd only) | 3.3039% | 4,122 |
| Net charge-offs to loans | 0.5100% | 3,247 |
| Credit loss provision to net charge-offs | 96.4912% | 4,494 |
| Earnings coverage of net charge-offs (x) | 6.7427% | 2,463 |
| Efficiency ratio | 50.5575% | 7,110 |
| Assets per employee ($millions) | 6.2928% | 1,079 |
| Cash dividends to net income (ytd only)* | 76.5705% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,875 |
| Loan loss allowance to noncurrent loans | 126.5477% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 5,091 |
| Noncurrent loans to loans | 0.6778% | 5,850 |
| Net loans and leases to total assets | 61.5363% | 4,626 |
| Net loans and leases to deposits | 78.3099% | 3,774 |
| Net loans and leases to core deposits | 101.6294% | 1,693 |
| Total domestic deposits to total assets | 78.5805% | 6,126 |
| Equity capital to assets | 9.0160% | 5,556 |
| Core capital (leverage) ratio | 8.9917% | 4,705 |
| Tier 1 risk-based capital ratio | 12.9716% | 4,600 |
| Total risk-based capital ratio | 13.7618% | 4,944 |
| Memoranda: | ||
| Average total assets | $220,131,000 | 2,916 |
| Average earning assets | $199,922,000 | 2,921 |
| Average equity | $20,016,500 | 3,192 |
| Average total loans | $134,122,250 | 3,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6674% | 1,881 |
| Cost of funding earning assets | 1.4224% | 3,733 |
| Net interest margin | 4.2450% | 1,983 |
| Noninterest income to average assets | 0.2771% | 5,935 |
| Noninterest expense to average assets | 2.2615% | 6,472 |
| Loan and lease loss provision to assets | 0.2018% | 4,854 |
| Net operating income to assets | 1.2043% | 1,549 |
| Return on assets (ROA) | 1.2083% | 1,608 |
| Pretax return on assets | 1.6744% | 1,107 |
| Return on Equity (ROE) | 13.2493% | 1,185 |
| Retained earnings to average equity (ytd only) | 5.1508% | 2,817 |
| Net charge-offs to loans | 0.4441% | 3,203 |
| Credit loss provision to net charge-offs | 75.0853% | 4,835 |
| Earnings coverage of net charge-offs (x) | 6.9590% | 2,380 |
| Efficiency ratio | 54.7291% | 6,791 |
| Assets per employee ($millions) | 5.9100% | 1,291 |
| Cash dividends to net income (ytd only)* | 61.1238% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 6,889 |
| Loan loss allowance to noncurrent loans | 73.5163% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 4,476 |
| Noncurrent loans to loans | 1.1620% | 5,015 |
| Net loans and leases to total assets | 62.8428% | 4,509 |
| Net loans and leases to deposits | 78.8220% | 3,832 |
| Net loans and leases to core deposits | 108.4141% | 1,274 |
| Total domestic deposits to total assets | 79.7275% | 5,811 |
| Equity capital to assets | 9.5318% | 4,658 |
| Core capital (leverage) ratio | 9.1458% | 4,381 |
| Tier 1 risk-based capital ratio | 13.6734% | 3,961 |
| Total risk-based capital ratio | 14.4683% | 4,230 |
| Memoranda: | ||
| Average total assets | $217,994,330 | 2,961 |
| Average earning assets | $197,974,670 | 2,976 |
| Average equity | $19,880,330 | 3,188 |
| Average total loans | $131,959,330 | 3,165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6086% | 2,112 |
| Cost of funding earning assets | 1.4902% | 3,619 |
| Net interest margin | 4.1184% | 2,359 |
| Noninterest income to average assets | 0.3046% | 5,710 |
| Noninterest expense to average assets | 2.2447% | 6,564 |
| Loan and lease loss provision to assets | 0.1451% | 5,102 |
| Net operating income to assets | 1.2003% | 1,542 |
| Return on assets (ROA) | 1.2003% | 1,617 |
| Pretax return on assets | 1.6481% | 1,166 |
| Return on Equity (ROE) | 13.4549% | 1,161 |
| Retained earnings to average equity (ytd only) | -2.5203% | 6,294 |
| Net charge-offs to loans | 0.1257% | 4,216 |
| Credit loss provision to net charge-offs | 195.1220% | 1,900 |
| Earnings coverage of net charge-offs (x) | 24.1220% | 1,032 |
| Efficiency ratio | 55.5905% | 6,828 |
| Assets per employee ($millions) | 6.0875% | 1,201 |
| Cash dividends to net income (ytd only)* | 118.7311% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,614 |
| Loan loss allowance to noncurrent loans | 66.0742% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.6272% | 4,048 |
| Noncurrent loans to loans | 1.4644% | 4,548 |
| Net loans and leases to total assets | 59.0329% | 5,283 |
| Net loans and leases to deposits | 73.2671% | 4,863 |
| Net loans and leases to core deposits | 82.9550% | 4,351 |
| Total domestic deposits to total assets | 80.5721% | 5,596 |
| Equity capital to assets | 8.9149% | 5,396 |
| Core capital (leverage) ratio | 8.7004% | 5,022 |
| Tier 1 risk-based capital ratio | 13.4686% | 4,004 |
| Total risk-based capital ratio | 14.3561% | 4,228 |
| Memoranda: | ||
| Average total assets | $220,611,000 | 2,982 |
| Average earning assets | $199,979,000 | 2,999 |
| Average equity | $19,680,500 | 3,242 |
| Average total loans | $130,510,500 | 3,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 3,421 |
| Cost of funding earning assets | 2.1166% | 2,385 |
| Net interest margin | 3.5168% | 4,881 |
| Noninterest income to average assets | 0.4324% | 4,934 |
| Noninterest expense to average assets | 1.9660% | 7,419 |
| Loan and lease loss provision to assets | 0.3424% | 4,741 |
| Net operating income to assets | 0.9776% | 1,917 |
| Return on assets (ROA) | 0.9903% | 1,918 |
| Pretax return on assets | 1.3487% | 1,561 |
| Return on Equity (ROE) | 11.4741% | 1,301 |
| Retained earnings to average equity (ytd only) | 7.3161% | 871 |
| Net charge-offs to loans | 0.4057% | 4,198 |
| Credit loss provision to net charge-offs | 147.3477% | 3,190 |
| Earnings coverage of net charge-offs (x) | 7.2024% | 2,199 |
| Efficiency ratio | 54.0140% | 7,228 |
| Assets per employee ($millions) | 6.0020% | 1,243 |
| Cash dividends to net income (ytd only)* | 36.2379% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,675 |
| Loan loss allowance to noncurrent loans | 56.9503% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6612% | 3,879 |
| Noncurrent loans to loans | 1.6497% | 4,175 |
| Net loans and leases to total assets | 58.1620% | 5,642 |
| Net loans and leases to deposits | 74.3939% | 4,970 |
| Net loans and leases to core deposits | 111.5870% | 2,738 |
| Total domestic deposits to total assets | 78.1810% | 6,178 |
| Equity capital to assets | 8.9268% | 5,253 |
| Core capital (leverage) ratio | 8.7531% | 4,833 |
| Tier 1 risk-based capital ratio | 13.5525% | 3,792 |
| Total risk-based capital ratio | 14.4125% | 3,986 |
| Memoranda: | ||
| Average total assets | $219,023,000 | 2,959 |
| Average earning assets | $199,756,200 | 2,974 |
| Average equity | $18,903,400 | 3,354 |
| Average total loans | $125,473,000 | 3,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 3,671 |
| Cost of funding earning assets | 2.2493% | 2,188 |
| Net interest margin | 3.3850% | 5,334 |
| Noninterest income to average assets | 0.4160% | 5,164 |
| Noninterest expense to average assets | 1.8552% | 7,603 |
| Loan and lease loss provision to assets | 0.2963% | 4,599 |
| Net operating income to assets | 0.9928% | 2,088 |
| Return on assets (ROA) | 1.0079% | 2,091 |
| Pretax return on assets | 1.3769% | 1,754 |
| Return on Equity (ROE) | 11.7813% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.1691% | 1,867 |
| Net charge-offs to loans | 0.4936% | 3,253 |
| Credit loss provision to net charge-offs | 105.4348% | 4,822 |
| Earnings coverage of net charge-offs (x) | 5.8804% | 2,713 |
| Efficiency ratio | 52.8910% | 7,337 |
| Assets per employee ($millions) | 5.8540% | 1,318 |
| Cash dividends to net income (ytd only)* | 47.6361% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 7,234 |
| Loan loss allowance to noncurrent loans | 70.8567% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 4,913 |
| Noncurrent loans to loans | 1.0717% | 5,170 |
| Net loans and leases to total assets | 60.8770% | 5,446 |
| Net loans and leases to deposits | 79.6476% | 4,446 |
| Net loans and leases to core deposits | 123.8659% | 1,911 |
| Total domestic deposits to total assets | 76.4329% | 6,490 |
| Equity capital to assets | 8.9488% | 5,557 |
| Core capital (leverage) ratio | 8.5599% | 5,375 |
| Tier 1 risk-based capital ratio | 13.3099% | 3,985 |
| Total risk-based capital ratio | 14.0248% | 4,279 |
| Memoranda: | ||
| Average total assets | $218,260,500 | 2,986 |
| Average earning assets | $199,343,500 | 2,996 |
| Average equity | $18,673,250 | 3,424 |
| Average total loans | $124,244,500 | 3,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 4,164 |
| Cost of funding earning assets | 2.3435% | 2,189 |
| Net interest margin | 3.2388% | 5,774 |
| Noninterest income to average assets | 0.4195% | 5,123 |
| Noninterest expense to average assets | 1.8363% | 7,702 |
| Loan and lease loss provision to assets | 0.1691% | 5,376 |
| Net operating income to assets | 1.0016% | 2,099 |
| Return on assets (ROA) | 1.0109% | 2,163 |
| Pretax return on assets | 1.3829% | 1,777 |
| Return on Equity (ROE) | 11.9978% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.9978% | 442 |
| Net charge-offs to loans | 0.1862% | 4,401 |
| Credit loss provision to net charge-offs | 163.7168% | 2,802 |
| Earnings coverage of net charge-offs (x) | 14.9027% | 1,627 |
| Efficiency ratio | 54.4002% | 7,288 |
| Assets per employee ($millions) | 5.9318% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 7,068 |
| Loan loss allowance to noncurrent loans | 68.0851% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 5,378 |
| Noncurrent loans to loans | 1.2113% | 4,795 |
| Net loans and leases to total assets | 57.8592% | 5,983 |
| Net loans and leases to deposits | 77.1714% | 5,003 |
| Net loans and leases to core deposits | 126.2698% | 1,842 |
| Total domestic deposits to total assets | 74.9749% | 6,766 |
| Equity capital to assets | 8.5139% | 6,026 |
| Core capital (leverage) ratio | 8.6425% | 5,191 |
| Tier 1 risk-based capital ratio | 13.9440% | 3,554 |
| Total risk-based capital ratio | 14.7158% | 3,775 |
| Memoranda: | ||
| Average total assets | $218,814,330 | 2,992 |
| Average earning assets | $199,705,000 | 3,003 |
| Average equity | $18,436,670 | 3,481 |
| Average total loans | $121,370,000 | 3,508 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 4,469 |
| Cost of funding earning assets | 2.4357% | 2,152 |
| Net interest margin | 3.1439% | 6,047 |
| Noninterest income to average assets | 0.4485% | 4,785 |
| Noninterest expense to average assets | 1.7557% | 7,755 |
| Loan and lease loss provision to assets | 0.0824% | 5,908 |
| Net operating income to assets | 1.0801% | 2,031 |
| Return on assets (ROA) | 1.0948% | 2,106 |
| Pretax return on assets | 1.4994% | 1,671 |
| Return on Equity (ROE) | 13.0625% | 1,373 |
| Retained earnings to average equity (ytd only) | 13.0625% | 630 |
| Net charge-offs to loans | 0.3728% | 2,598 |
| Credit loss provision to net charge-offs | 40.9091% | 4,811 |
| Earnings coverage of net charge-offs (x) | 7.7545% | 2,302 |
| Efficiency ratio | 52.9249% | 7,327 |
| Assets per employee ($millions) | 5.9376% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 7,275 |
| Loan loss allowance to noncurrent loans | 64.3759% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 5,334 |
| Noncurrent loans to loans | 1.1867% | 4,600 |
| Net loans and leases to total assets | 52.8525% | 6,597 |
| Net loans and leases to deposits | 70.9511% | 5,875 |
| Net loans and leases to core deposits | 122.8404% | 2,183 |
| Total domestic deposits to total assets | 74.4914% | 6,807 |
| Equity capital to assets | 8.2569% | 6,454 |
| Core capital (leverage) ratio | 8.5338% | 5,466 |
| Tier 1 risk-based capital ratio | 14.0377% | 3,566 |
| Total risk-based capital ratio | 14.7306% | 3,800 |
| Memoranda: | ||
| Average total assets | $218,483,500 | 3,003 |
| Average earning assets | $199,371,000 | 3,022 |
| Average equity | $18,312,000 | 3,519 |
| Average total loans | $118,033,500 | 3,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3150% | 3,881 |
| Cost of funding earning assets | 2.8930% | 2,295 |
| Net interest margin | 3.4219% | 5,573 |
| Noninterest income to average assets | 0.5058% | 4,578 |
| Noninterest expense to average assets | 2.3200% | 6,641 |
| Loan and lease loss provision to assets | 0.0386% | 6,931 |
| Net operating income to assets | 0.9829% | 2,620 |
| Return on assets (ROA) | 0.9961% | 2,456 |
| Pretax return on assets | 1.2698% | 2,408 |
| Return on Equity (ROE) | 10.7576% | 1,978 |
| Retained earnings to average equity (ytd only) | 2.0282% | 3,969 |
| Net charge-offs to loans | 0.1084% | 5,199 |
| Credit loss provision to net charge-offs | 65.7895% | 6,147 |
| Earnings coverage of net charge-offs (x) | 22.0175% | 1,498 |
| Efficiency ratio | 64.2399% | 5,508 |
| Assets per employee ($millions) | 5.5615% | 1,414 |
| Cash dividends to net income (ytd only)* | 81.1467% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 6,906 |
| Loan loss allowance to noncurrent loans | 122.5405% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 5,719 |
| Noncurrent loans to loans | 0.6929% | 5,304 |
| Net loans and leases to total assets | 54.3748% | 6,615 |
| Net loans and leases to deposits | 74.6665% | 5,776 |
| Net loans and leases to core deposits | 127.5844% | 2,034 |
| Total domestic deposits to total assets | 72.8235% | 6,862 |
| Equity capital to assets | 8.5144% | 6,061 |
| Core capital (leverage) ratio | 8.7400% | 5,131 |
| Tier 1 risk-based capital ratio | 13.9512% | 3,568 |
| Total risk-based capital ratio | 14.7139% | 3,742 |
| Memoranda: | ||
| Average total assets | $194,355,200 | 3,208 |
| Average earning assets | $176,390,800 | 3,239 |
| Average equity | $17,996,600 | 3,558 |
| Average total loans | $105,122,600 | 3,820 |