Home > California Bank of Commerce > Performance and Condition Ratios
California 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 | 5.7108% | 913 |
| Cost of funding earning assets | 1.6964% | 1,462 |
| Net interest margin | 4.0144% | 1,187 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.3185% | 2,802 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1788% | 1,700 |
| Return on assets (ROA) | 1.1788% | 1,674 |
| Pretax return on assets | 1.6688% | 1,122 |
| Return on Equity (ROE) | 10.2000% | 2,436 |
| Retained earnings to average equity (ytd only) | 10.1983% | 964 |
| Net charge-offs to loans | 0.0094% | 2,301 |
| Credit loss provision to net charge-offs | 679.1946% | 541 |
| Earnings coverage of net charge-offs (x) | 234.4362% | 526 |
| Efficiency ratio | 57.2239% | 3,377 |
| Assets per employee ($millions) | 11.7307% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,179 |
| Loan loss allowance to noncurrent loans | 423.9090% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 2,274 |
| Noncurrent loans to loans | 0.2423% | 2,336 |
| Net loans and leases to total assets | 77.9100% | 878 |
| Net loans and leases to deposits | 94.9269% | 873 |
| Net loans and leases to core deposits | 140.0841% | 280 |
| Total domestic deposits to total assets | 82.0800% | 3,113 |
| Equity capital to assets | 12.4175% | 1,004 |
| Core capital (leverage) ratio | 12.1374% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9569% | 2,257 |
| Memoranda: | ||
| Average total assets | $2,015,506,200 | 567 |
| Average earning assets | $1,912,741,200 | 548 |
| Average equity | $232,961,000 | 473 |
| Average total loans | $1,586,964,600 | 495 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 906 |
| Cost of funding earning assets | 1.6077% | 1,358 |
| Net interest margin | 3.9987% | 1,219 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.2849% | 2,839 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1794% | 1,846 |
| Return on assets (ROA) | 1.1794% | 1,834 |
| Pretax return on assets | 1.6727% | 1,212 |
| Return on Equity (ROE) | 10.3900% | 2,535 |
| Retained earnings to average equity (ytd only) | 10.3932% | 1,301 |
| Net charge-offs to loans | 0.0141% | 1,890 |
| Credit loss provision to net charge-offs | 546.7456% | 596 |
| Earnings coverage of net charge-offs (x) | 156.8284% | 707 |
| Efficiency ratio | 56.6822% | 3,340 |
| Assets per employee ($millions) | 12.1545% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,309 |
| Loan loss allowance to noncurrent loans | 1,288.1068% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,199 |
| Noncurrent loans to loans | 0.0785% | 3,199 |
| Net loans and leases to total assets | 78.6700% | 798 |
| Net loans and leases to deposits | 91.1637% | 1,129 |
| Net loans and leases to core deposits | 130.8935% | 330 |
| Total domestic deposits to total assets | 86.2900% | 2,108 |
| Equity capital to assets | 12.0793% | 1,021 |
| Core capital (leverage) ratio | 11.7533% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7638% | 2,362 |
| Memoranda: | ||
| Average total assets | $2,023,762,250 | 567 |
| Average earning assets | $1,922,214,500 | 543 |
| Average equity | $229,657,500 | 477 |
| Average total loans | $1,593,545,500 | 498 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 891 |
| Cost of funding earning assets | 1.4709% | 1,299 |
| Net interest margin | 3.9850% | 1,274 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.2606% | 2,918 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1742% | 1,897 |
| Return on assets (ROA) | 1.1742% | 1,893 |
| Pretax return on assets | 1.6607% | 1,294 |
| Return on Equity (ROE) | 10.5700% | 2,538 |
| Retained earnings to average equity (ytd only) | 10.5680% | 1,266 |
| Net charge-offs to loans | 0.0309% | 1,273 |
| Credit loss provision to net charge-offs | 325.1012% | 821 |
| Earnings coverage of net charge-offs (x) | 71.7571% | 1,106 |
| Efficiency ratio | 56.5151% | 3,353 |
| Assets per employee ($millions) | 12.9305% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,464 |
| Loan loss allowance to noncurrent loans | 7,821.8905% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,749 |
| Noncurrent loans to loans | 0.0127% | 3,692 |
| Net loans and leases to total assets | 78.3100% | 802 |
| Net loans and leases to deposits | 90.0418% | 1,182 |
| Net loans and leases to core deposits | 108.1014% | 903 |
| Total domestic deposits to total assets | 86.9700% | 1,940 |
| Equity capital to assets | 11.6203% | 1,165 |
| Core capital (leverage) ratio | 11.4243% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4571% | 2,476 |
| Memoranda: | ||
| Average total assets | $2,037,954,000 | 556 |
| Average earning assets | $1,933,085,333 | 529 |
| Average equity | $226,439,000 | 473 |
| Average total loans | $1,599,918,333 | 483 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 888 |
| Cost of funding earning assets | 1.2808% | 1,271 |
| Net interest margin | 3.9703% | 1,326 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.2672% | 2,904 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1639% | 2,037 |
| Return on assets (ROA) | 1.1639% | 2,003 |
| Pretax return on assets | 1.6375% | 1,390 |
| Return on Equity (ROE) | 10.7100% | 2,576 |
| Retained earnings to average equity (ytd only) | 10.7122% | 1,536 |
| Net charge-offs to loans | 0.0615% | 762 |
| Credit loss provision to net charge-offs | 187.4494% | 854 |
| Earnings coverage of net charge-offs (x) | 35.5020% | 1,236 |
| Efficiency ratio | 57.0484% | 3,298 |
| Assets per employee ($millions) | 12.4075% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,713 |
| Loan loss allowance to noncurrent loans | 6,356.1983% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,744 |
| Noncurrent loans to loans | 0.0149% | 3,699 |
| Net loans and leases to total assets | 77.8600% | 777 |
| Net loans and leases to deposits | 92.8884% | 857 |
| Net loans and leases to core deposits | 111.6804% | 649 |
| Total domestic deposits to total assets | 83.8200% | 3,128 |
| Equity capital to assets | 11.0056% | 1,334 |
| Core capital (leverage) ratio | 11.1577% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7341% | 2,806 |
| Memoranda: | ||
| Average total assets | $2,054,863,500 | 563 |
| Average earning assets | $1,945,339,000 | 536 |
| Average equity | $223,259,000 | 486 |
| Average total loans | $1,607,244,000 | 490 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 900 |
| Cost of funding earning assets | 0.4837% | 1,503 |
| Net interest margin | 3.9062% | 945 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2221% | 2,969 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.1732% | 1,879 |
| Return on assets (ROA) | 1.1732% | 1,817 |
| Pretax return on assets | 1.6625% | 1,010 |
| Return on Equity (ROE) | 11.2300% | 2,399 |
| Retained earnings to average equity (ytd only) | 11.2287% | 836 |
| Net charge-offs to loans | 0.0570% | 1,078 |
| Credit loss provision to net charge-offs | 443.5958% | 731 |
| Earnings coverage of net charge-offs (x) | 43.0646% | 1,462 |
| Efficiency ratio | 54.5231% | 3,746 |
| Assets per employee ($millions) | 13.3992% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,057 |
| Loan loss allowance to noncurrent loans | 1,360.4000% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,197 |
| Noncurrent loans to loans | 0.0783% | 3,198 |
| Net loans and leases to total assets | 76.9900% | 894 |
| Net loans and leases to deposits | 87.6571% | 1,196 |
| Net loans and leases to core deposits | 100.9128% | 948 |
| Total domestic deposits to total assets | 87.8400% | 2,125 |
| Equity capital to assets | 10.7236% | 1,362 |
| Core capital (leverage) ratio | 10.2293% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4050% | 2,891 |
| Memoranda: | ||
| Average total assets | $1,977,339,000 | 557 |
| Average earning assets | $1,874,267,200 | 530 |
| Average equity | $206,595,000 | 511 |
| Average total loans | $1,493,891,400 | 481 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 1,405 |
| Cost of funding earning assets | 0.2879% | 2,303 |
| Net interest margin | 3.6418% | 1,292 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2058% | 2,916 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.0202% | 2,407 |
| Return on assets (ROA) | 1.0202% | 2,381 |
| Pretax return on assets | 1.4366% | 1,608 |
| Return on Equity (ROE) | 9.8300% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.8323% | 1,396 |
| Net charge-offs to loans | 0.0182% | 1,479 |
| Credit loss provision to net charge-offs | 1,330.8458% | 333 |
| Earnings coverage of net charge-offs (x) | 118.3284% | 857 |
| Efficiency ratio | 57.6767% | 3,422 |
| Assets per employee ($millions) | 13.1830% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,296 |
| Loan loss allowance to noncurrent loans | 4,826.5306% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,791 |
| Noncurrent loans to loans | 0.0216% | 3,753 |
| Net loans and leases to total assets | 76.5000% | 857 |
| Net loans and leases to deposits | 91.5587% | 789 |
| Net loans and leases to core deposits | 109.2674% | 490 |
| Total domestic deposits to total assets | 83.5500% | 3,597 |
| Equity capital to assets | 10.2652% | 1,481 |
| Core capital (leverage) ratio | 10.6204% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1708% | 3,011 |
| Memoranda: | ||
| Average total assets | $1,959,153,500 | 564 |
| Average earning assets | $1,859,219,000 | 538 |
| Average equity | $203,283,250 | 522 |
| Average total loans | $1,468,499,000 | 484 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 1,603 |
| Cost of funding earning assets | 0.1930% | 3,010 |
| Net interest margin | 3.4826% | 1,365 |
| Noninterest income to average assets | 0.4077% | 2,704 |
| Noninterest expense to average assets | 2.2201% | 2,786 |
| Loan and lease loss provision to assets | 0.1946% | 439 |
| Net operating income to assets | 0.9247% | 2,468 |
| Return on assets (ROA) | 0.9247% | 2,441 |
| Pretax return on assets | 1.3007% | 1,746 |
| Return on Equity (ROE) | 8.8780% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.8780% | 1,323 |
| Net charge-offs to loans | -0.0001% | 2,961 |
| Credit loss provision to net charge-offs | -187,500.0000% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7536% | 3,331 |
| Assets per employee ($millions) | 12.5329% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,315 |
| Loan loss allowance to noncurrent loans | 2,906.5574% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,692 |
| Noncurrent loans to loans | 0.0365% | 3,676 |
| Net loans and leases to total assets | 78.5740% | 515 |
| Net loans and leases to deposits | 95.2201% | 462 |
| Net loans and leases to core deposits | 103.0529% | 547 |
| Total domestic deposits to total assets | 82.5183% | 3,941 |
| Equity capital to assets | 10.8447% | 1,285 |
| Core capital (leverage) ratio | 10.7536% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3976% | 2,945 |
| Memoranda: | ||
| Average total assets | $1,926,689,333 | 569 |
| Average earning assets | $1,829,917,333 | 550 |
| Average equity | $200,675,000 | 530 |
| Average total loans | $1,428,064,333 | 488 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 1,965 |
| Cost of funding earning assets | 0.1827% | 3,053 |
| Net interest margin | 3.2606% | 1,683 |
| Noninterest income to average assets | 0.5215% | 2,036 |
| Noninterest expense to average assets | 2.2192% | 2,782 |
| Loan and lease loss provision to assets | 0.1955% | 372 |
| Net operating income to assets | 0.8550% | 2,471 |
| Return on assets (ROA) | 0.8550% | 2,463 |
| Pretax return on assets | 1.2096% | 1,776 |
| Return on Equity (ROE) | 8.3772% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.3772% | 1,459 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2310% | 3,354 |
| Assets per employee ($millions) | 12.0441% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,451 |
| Loan loss allowance to noncurrent loans | 2,738.0692% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 3,748 |
| Noncurrent loans to loans | 0.0391% | 3,693 |
| Net loans and leases to total assets | 74.3440% | 638 |
| Net loans and leases to deposits | 86.1828% | 724 |
| Net loans and leases to core deposits | 91.3646% | 847 |
| Total domestic deposits to total assets | 86.2632% | 3,172 |
| Equity capital to assets | 10.7429% | 1,469 |
| Core capital (leverage) ratio | 10.2589% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9829% | 2,897 |
| Memoranda: | ||
| Average total assets | $1,943,798,000 | 563 |
| Average earning assets | $1,849,697,500 | 547 |
| Average equity | $198,396,000 | 550 |
| Average total loans | $1,390,622,500 | 495 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 3,246 |
| Cost of funding earning assets | 0.2745% | 2,656 |
| Net interest margin | 3.0143% | 3,156 |
| Noninterest income to average assets | 0.2129% | 4,096 |
| Noninterest expense to average assets | 2.0324% | 3,575 |
| Loan and lease loss provision to assets | 0.0002% | 3,060 |
| Net operating income to assets | 0.7549% | 3,473 |
| Return on assets (ROA) | 0.7549% | 3,536 |
| Pretax return on assets | 1.0453% | 3,137 |
| Return on Equity (ROE) | 8.7967% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.7967% | 1,257 |
| Net charge-offs to loans | 0.0025% | 2,537 |
| Credit loss provision to net charge-offs | 11.7647% | 2,300 |
| Earnings coverage of net charge-offs (x) | 602.5000% | 236 |
| Efficiency ratio | 66.0321% | 2,256 |
| Assets per employee ($millions) | 13.2945% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,655 |
| Loan loss allowance to noncurrent loans | 6,069.3966% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,028 |
| Noncurrent loans to loans | 0.0168% | 3,960 |
| Net loans and leases to total assets | 67.5118% | 1,318 |
| Net loans and leases to deposits | 80.7201% | 1,157 |
| Net loans and leases to core deposits | 86.4235% | 1,173 |
| Total domestic deposits to total assets | 83.6369% | 3,648 |
| Equity capital to assets | 9.7112% | 2,931 |
| Core capital (leverage) ratio | 9.5063% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2484% | 2,824 |
| Memoranda: | ||
| Average total assets | $1,959,345,600 | 544 |
| Average earning assets | $1,862,314,600 | 530 |
| Average equity | $168,142,200 | 643 |
| Average total loans | $1,374,283,000 | 498 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 3,380 |
| Cost of funding earning assets | 0.2967% | 2,623 |
| Net interest margin | 3.0070% | 3,283 |
| Noninterest income to average assets | 0.2180% | 4,094 |
| Noninterest expense to average assets | 2.0596% | 3,486 |
| Loan and lease loss provision to assets | -0.0343% | 4,408 |
| Net operating income to assets | 0.7584% | 3,632 |
| Return on assets (ROA) | 0.7584% | 3,694 |
| Pretax return on assets | 1.0459% | 3,333 |
| Return on Equity (ROE) | 9.1508% | 3,062 |
| Retained earnings to average equity (ytd only) | 9.1508% | 1,637 |
| Net charge-offs to loans | 0.0039% | 2,207 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | 368.7500% | 382 |
| Efficiency ratio | 67.0605% | 1,964 |
| Assets per employee ($millions) | 14.0353% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,701 |
| Loan loss allowance to noncurrent loans | 1,100.6488% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,716 |
| Noncurrent loans to loans | 0.0946% | 3,604 |
| Net loans and leases to total assets | 62.9120% | 1,902 |
| Net loans and leases to deposits | 73.8191% | 1,875 |
| Net loans and leases to core deposits | 79.1107% | 1,809 |
| Total domestic deposits to total assets | 85.2246% | 3,039 |
| Equity capital to assets | 9.3787% | 3,483 |
| Core capital (leverage) ratio | 9.6353% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3247% | 2,606 |
| Memoranda: | ||
| Average total assets | $1,943,990,250 | 550 |
| Average earning assets | $1,844,530,500 | 538 |
| Average equity | $161,117,750 | 680 |
| Average total loans | $1,373,269,500 | 506 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3342% | 3,346 |
| Cost of funding earning assets | 0.3108% | 2,670 |
| Net interest margin | 3.0234% | 3,263 |
| Noninterest income to average assets | 0.1967% | 4,215 |
| Noninterest expense to average assets | 2.0558% | 3,534 |
| Loan and lease loss provision to assets | -0.0838% | 4,592 |
| Net operating income to assets | 0.7838% | 3,556 |
| Return on assets (ROA) | 0.7838% | 3,622 |
| Pretax return on assets | 1.0904% | 3,248 |
| Return on Equity (ROE) | 9.9242% | 2,769 |
| Retained earnings to average equity (ytd only) | 9.9242% | 1,415 |
| Net charge-offs to loans | 0.0102% | 1,769 |
| Credit loss provision to net charge-offs | -1,126.7606% | 3,689 |
| Earnings coverage of net charge-offs (x) | 135.3239% | 628 |
| Efficiency ratio | 67.1297% | 1,996 |
| Assets per employee ($millions) | 12.3272% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,888 |
| Loan loss allowance to noncurrent loans | 1,072.9335% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,775 |
| Noncurrent loans to loans | 0.0913% | 3,717 |
| Net loans and leases to total assets | 71.4493% | 1,028 |
| Net loans and leases to deposits | 79.3926% | 1,476 |
| Net loans and leases to core deposits | 85.8304% | 1,431 |
| Total domestic deposits to total assets | 89.9948% | 779 |
| Equity capital to assets | 8.4486% | 4,242 |
| Core capital (leverage) ratio | 8.3559% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5747% | 3,030 |
| Memoranda: | ||
| Average total assets | $1,908,937,667 | 554 |
| Average earning assets | $1,809,409,000 | 544 |
| Average equity | $150,762,667 | 716 |
| Average total loans | $1,396,782,000 | 499 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2906% | 3,471 |
| Cost of funding earning assets | 0.3168% | 2,825 |
| Net interest margin | 2.9738% | 3,326 |
| Noninterest income to average assets | 0.1912% | 4,239 |
| Noninterest expense to average assets | 2.0719% | 3,507 |
| Loan and lease loss provision to assets | 0.0623% | 1,886 |
| Net operating income to assets | 0.6343% | 3,851 |
| Return on assets (ROA) | 0.6343% | 3,919 |
| Pretax return on assets | 0.8776% | 3,649 |
| Return on Equity (ROE) | 8.3134% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.3134% | 2,147 |
| Net charge-offs to loans | -0.0468% | 4,369 |
| Credit loss provision to net charge-offs | -180.7229% | 2,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7922% | 1,837 |
| Assets per employee ($millions) | 13.3393% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,870 |
| Loan loss allowance to noncurrent loans | 6,229.4872% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,297 |
| Noncurrent loans to loans | 0.0159% | 4,220 |
| Net loans and leases to total assets | 74.6667% | 751 |
| Net loans and leases to deposits | 88.6595% | 784 |
| Net loans and leases to core deposits | 96.0823% | 879 |
| Total domestic deposits to total assets | 84.2174% | 3,366 |
| Equity capital to assets | 7.6249% | 4,664 |
| Core capital (leverage) ratio | 7.9843% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5502% | 3,001 |
| Memoranda: | ||
| Average total assets | $1,926,539,500 | 544 |
| Average earning assets | $1,827,285,500 | 531 |
| Average equity | $146,991,500 | 723 |
| Average total loans | $1,419,168,500 | 492 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 4,091 |
| Cost of funding earning assets | 0.4968% | 2,972 |
| Net interest margin | 2.9655% | 3,972 |
| Noninterest income to average assets | 0.2505% | 3,987 |
| Noninterest expense to average assets | 2.2569% | 3,517 |
| Loan and lease loss provision to assets | 0.2994% | 1,255 |
| Net operating income to assets | 0.3379% | 4,382 |
| Return on assets (ROA) | 0.3345% | 4,445 |
| Pretax return on assets | 0.4761% | 4,311 |
| Return on Equity (ROE) | 3.9034% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.9034% | 2,871 |
| Net charge-offs to loans | 0.1551% | 1,055 |
| Credit loss provision to net charge-offs | 264.6421% | 1,870 |
| Earnings coverage of net charge-offs (x) | 6.8926% | 2,739 |
| Efficiency ratio | 74.3201% | 1,404 |
| Assets per employee ($millions) | 12.9628% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,754 |
| Loan loss allowance to noncurrent loans | 6,030.3419% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,355 |
| Noncurrent loans to loans | 0.0171% | 4,286 |
| Net loans and leases to total assets | 71.1339% | 1,411 |
| Net loans and leases to deposits | 87.8308% | 1,107 |
| Net loans and leases to core deposits | 95.7349% | 1,138 |
| Total domestic deposits to total assets | 80.9897% | 3,870 |
| Equity capital to assets | 7.6348% | 4,815 |
| Core capital (leverage) ratio | 8.0169% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3292% | 2,836 |
| Memoranda: | ||
| Average total assets | $1,629,851,600 | 574 |
| Average earning assets | $1,531,341,800 | 563 |
| Average equity | $139,674,600 | 718 |
| Average total loans | $1,189,134,000 | 551 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 4,226 |
| Cost of funding earning assets | 0.5357% | 3,018 |
| Net interest margin | 2.9512% | 4,085 |
| Noninterest income to average assets | 0.2705% | 3,846 |
| Noninterest expense to average assets | 2.2649% | 3,514 |
| Loan and lease loss provision to assets | 0.3570% | 1,055 |
| Net operating income to assets | 0.2869% | 4,464 |
| Return on assets (ROA) | 0.2821% | 4,518 |
| Pretax return on assets | 0.4093% | 4,419 |
| Return on Equity (ROE) | 3.1861% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.1861% | 3,438 |
| Net charge-offs to loans | 0.2181% | 702 |
| Credit loss provision to net charge-offs | 223.4099% | 2,026 |
| Earnings coverage of net charge-offs (x) | 4.8327% | 2,784 |
| Efficiency ratio | 74.5711% | 1,350 |
| Assets per employee ($millions) | 13.8940% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,750 |
| Loan loss allowance to noncurrent loans | 2,307.7586% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,318 |
| Noncurrent loans to loans | 0.0428% | 4,215 |
| Net loans and leases to total assets | 67.9556% | 2,252 |
| Net loans and leases to deposits | 92.5357% | 1,030 |
| Net loans and leases to core deposits | 99.4783% | 1,198 |
| Total domestic deposits to total assets | 73.4372% | 4,608 |
| Equity capital to assets | 7.2635% | 4,913 |
| Core capital (leverage) ratio | 7.9513% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9342% | 2,641 |
| Memoranda: | ||
| Average total assets | $1,560,930,750 | 580 |
| Average earning assets | $1,463,352,000 | 567 |
| Average equity | $138,222,250 | 718 |
| Average total loans | $1,144,019,250 | 556 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 3,927 |
| Cost of funding earning assets | 0.6014% | 2,958 |
| Net interest margin | 3.1756% | 3,731 |
| Noninterest income to average assets | 0.3004% | 3,670 |
| Noninterest expense to average assets | 2.2811% | 3,571 |
| Loan and lease loss provision to assets | 0.4678% | 810 |
| Net operating income to assets | 0.3645% | 4,306 |
| Return on assets (ROA) | 0.3567% | 4,373 |
| Pretax return on assets | 0.5044% | 4,241 |
| Return on Equity (ROE) | 3.7194% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.7194% | 3,056 |
| Net charge-offs to loans | 0.3503% | 458 |
| Credit loss provision to net charge-offs | 177.0335% | 2,006 |
| Earnings coverage of net charge-offs (x) | 3.7161% | 2,659 |
| Efficiency ratio | 69.9057% | 1,968 |
| Assets per employee ($millions) | 14.0494% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,738 |
| Loan loss allowance to noncurrent loans | 1,007.5623% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,206 |
| Noncurrent loans to loans | 0.0958% | 4,070 |
| Net loans and leases to total assets | 67.2727% | 2,459 |
| Net loans and leases to deposits | 92.4881% | 1,096 |
| Net loans and leases to core deposits | 98.3946% | 1,382 |
| Total domestic deposits to total assets | 72.7367% | 4,668 |
| Equity capital to assets | 7.4373% | 4,895 |
| Core capital (leverage) ratio | 8.6765% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6273% | 2,351 |
| Memoranda: | ||
| Average total assets | $1,423,593,000 | 616 |
| Average earning assets | $1,328,175,333 | 603 |
| Average equity | $136,528,000 | 720 |
| Average total loans | $1,073,989,000 | 582 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 2,254 |
| Cost of funding earning assets | 0.7787% | 2,505 |
| Net interest margin | 3.7422% | 2,172 |
| Noninterest income to average assets | 0.4613% | 2,741 |
| Noninterest expense to average assets | 3.4260% | 1,035 |
| Loan and lease loss provision to assets | 0.1356% | 2,028 |
| Net operating income to assets | 0.2509% | 4,447 |
| Return on assets (ROA) | 0.2322% | 4,498 |
| Pretax return on assets | 0.3278% | 4,406 |
| Return on Equity (ROE) | 2.0488% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.0488% | 3,430 |
| Net charge-offs to loans | -0.0374% | 4,546 |
| Credit loss provision to net charge-offs | -444.4444% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5520% | 605 |
| Assets per employee ($millions) | 8.8797% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,724 |
| Loan loss allowance to noncurrent loans | 436.4151% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,592 |
| Noncurrent loans to loans | 0.2727% | 3,521 |
| Net loans and leases to total assets | 79.5172% | 757 |
| Net loans and leases to deposits | 92.9663% | 1,185 |
| Net loans and leases to core deposits | 101.7141% | 1,348 |
| Total domestic deposits to total assets | 85.5334% | 2,198 |
| Equity capital to assets | 11.5375% | 2,406 |
| Core capital (leverage) ratio | 11.3632% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7688% | 2,818 |
| Memoranda: | ||
| Average total assets | $1,180,033,000 | 707 |
| Average earning assets | $1,088,446,500 | 705 |
| Average equity | $133,739,000 | 731 |
| Average total loans | $962,027,000 | 617 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 1,506 |
| Cost of funding earning assets | 0.8227% | 2,575 |
| Net interest margin | 4.1689% | 1,378 |
| Noninterest income to average assets | 0.3969% | 3,312 |
| Noninterest expense to average assets | 3.0606% | 1,850 |
| Loan and lease loss provision to assets | 0.2173% | 903 |
| Net operating income to assets | 0.6884% | 3,903 |
| Return on assets (ROA) | 0.6884% | 3,967 |
| Pretax return on assets | 0.9491% | 3,607 |
| Return on Equity (ROE) | 5.9491% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.9491% | 1,894 |
| Net charge-offs to loans | 0.2261% | 902 |
| Credit loss provision to net charge-offs | 113.4081% | 2,219 |
| Earnings coverage of net charge-offs (x) | 6.0863% | 3,006 |
| Efficiency ratio | 72.4053% | 1,811 |
| Assets per employee ($millions) | 8.6649% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,625 |
| Loan loss allowance to noncurrent loans | 402.2884% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 3,485 |
| Noncurrent loans to loans | 0.2891% | 3,399 |
| Net loans and leases to total assets | 81.6653% | 590 |
| Net loans and leases to deposits | 94.9823% | 1,055 |
| Net loans and leases to core deposits | 101.5563% | 1,438 |
| Total domestic deposits to total assets | 85.9795% | 2,077 |
| Equity capital to assets | 11.1198% | 2,886 |
| Core capital (leverage) ratio | 10.4358% | 3,025 |
| Tier 1 risk-based capital ratio | 10.3773% | 5,056 |
| Total risk-based capital ratio | 11.7897% | 4,930 |
| Memoranda: | ||
| Average total assets | $1,070,197,400 | 740 |
| Average earning assets | $983,206,400 | 737 |
| Average equity | $123,834,600 | 733 |
| Average total loans | $907,173,200 | 637 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 1,485 |
| Cost of funding earning assets | 0.8124% | 2,647 |
| Net interest margin | 4.2101% | 1,357 |
| Noninterest income to average assets | 0.3938% | 3,360 |
| Noninterest expense to average assets | 2.9359% | 2,140 |
| Loan and lease loss provision to assets | 0.1684% | 1,100 |
| Net operating income to assets | 0.8457% | 3,527 |
| Return on assets (ROA) | 0.8457% | 3,616 |
| Pretax return on assets | 1.1516% | 3,128 |
| Return on Equity (ROE) | 7.2315% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.2315% | 1,744 |
| Net charge-offs to loans | 0.2551% | 693 |
| Credit loss provision to net charge-offs | 77.3629% | 2,538 |
| Earnings coverage of net charge-offs (x) | 6.0630% | 2,865 |
| Efficiency ratio | 68.9837% | 2,263 |
| Assets per employee ($millions) | 8.4220% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 2,960 |
| Loan loss allowance to noncurrent loans | 222.7380% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 2,796 |
| Noncurrent loans to loans | 0.4996% | 2,795 |
| Net loans and leases to total assets | 84.5095% | 296 |
| Net loans and leases to deposits | 99.8771% | 648 |
| Net loans and leases to core deposits | 109.1821% | 985 |
| Total domestic deposits to total assets | 84.6135% | 2,573 |
| Equity capital to assets | 11.5781% | 2,607 |
| Core capital (leverage) ratio | 11.2199% | 2,452 |
| Tier 1 risk-based capital ratio | 10.6802% | 5,027 |
| Total risk-based capital ratio | 12.0912% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,049,640,250 | 751 |
| Average earning assets | $962,895,750 | 749 |
| Average equity | $122,756,500 | 740 |
| Average total loans | $895,914,750 | 645 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 1,601 |
| Cost of funding earning assets | 0.7820% | 2,733 |
| Net interest margin | 4.1729% | 1,425 |
| Noninterest income to average assets | 0.3553% | 3,557 |
| Noninterest expense to average assets | 2.8536% | 2,403 |
| Loan and lease loss provision to assets | 0.1597% | 1,138 |
| Net operating income to assets | 0.8935% | 3,311 |
| Return on assets (ROA) | 0.8935% | 3,375 |
| Pretax return on assets | 1.2034% | 2,891 |
| Return on Equity (ROE) | 7.6132% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.6132% | 1,554 |
| Net charge-offs to loans | 0.0283% | 2,288 |
| Credit loss provision to net charge-offs | 660.8000% | 487 |
| Earnings coverage of net charge-offs (x) | 56.4080% | 1,021 |
| Efficiency ratio | 67.6738% | 2,591 |
| Assets per employee ($millions) | 8.7581% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,189 |
| Loan loss allowance to noncurrent loans | 173.0254% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,152 |
| Noncurrent loans to loans | 0.7286% | 2,168 |
| Net loans and leases to total assets | 85.0079% | 281 |
| Net loans and leases to deposits | 101.8155% | 554 |
| Net loans and leases to core deposits | 112.6711% | 838 |
| Total domestic deposits to total assets | 83.4921% | 3,053 |
| Equity capital to assets | 11.7360% | 2,402 |
| Core capital (leverage) ratio | 11.2206% | 2,402 |
| Tier 1 risk-based capital ratio | 10.7117% | 5,036 |
| Total risk-based capital ratio | 12.2569% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,034,568,330 | 755 |
| Average earning assets | $957,311,000 | 752 |
| Average equity | $121,421,000 | 739 |
| Average total loans | $882,663,000 | 654 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,792 |
| Cost of funding earning assets | 0.6972% | 3,070 |
| Net interest margin | 4.1419% | 1,447 |
| Noninterest income to average assets | 0.3374% | 3,604 |
| Noninterest expense to average assets | 2.9218% | 2,214 |
| Loan and lease loss provision to assets | 0.2274% | 682 |
| Net operating income to assets | 0.7726% | 3,708 |
| Return on assets (ROA) | 0.7726% | 3,756 |
| Pretax return on assets | 1.0388% | 3,313 |
| Return on Equity (ROE) | 6.5829% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.5829% | 2,210 |
| Net charge-offs to loans | 0.0604% | 1,435 |
| Credit loss provision to net charge-offs | 443.5115% | 655 |
| Earnings coverage of net charge-offs (x) | 24.6947% | 1,449 |
| Efficiency ratio | 69.7664% | 2,385 |
| Assets per employee ($millions) | 9.1896% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,246 |
| Loan loss allowance to noncurrent loans | 268.8172% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 2,972 |
| Noncurrent loans to loans | 0.4709% | 2,904 |
| Net loans and leases to total assets | 84.4979% | 329 |
| Net loans and leases to deposits | 100.4558% | 603 |
| Net loans and leases to core deposits | 108.1586% | 1,043 |
| Total domestic deposits to total assets | 84.1146% | 3,006 |
| Equity capital to assets | 11.6800% | 2,252 |
| Core capital (leverage) ratio | 11.4131% | 2,202 |
| Tier 1 risk-based capital ratio | 10.8092% | 5,063 |
| Total risk-based capital ratio | 12.3809% | 4,831 |
| Memoranda: | ||
| Average total assets | $1,021,987,000 | 768 |
| Average earning assets | $950,089,500 | 762 |
| Average equity | $119,946,500 | 744 |
| Average total loans | $867,816,500 | 668 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 1,726 |
| Cost of funding earning assets | 0.5518% | 3,038 |
| Net interest margin | 4.1808% | 1,445 |
| Noninterest income to average assets | 0.3895% | 3,500 |
| Noninterest expense to average assets | 2.7479% | 2,865 |
| Loan and lease loss provision to assets | 0.1545% | 1,362 |
| Net operating income to assets | 1.0187% | 2,931 |
| Return on assets (ROA) | 1.0270% | 2,887 |
| Pretax return on assets | 1.3905% | 2,169 |
| Return on Equity (ROE) | 9.0046% | 2,991 |
| Retained earnings to average equity (ytd only) | 9.0046% | 862 |
| Net charge-offs to loans | -0.0084% | 4,452 |
| Credit loss provision to net charge-offs | -2,207.6923% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1674% | 3,163 |
| Assets per employee ($millions) | 9.0590% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,166 |
| Loan loss allowance to noncurrent loans | 241.9897% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 2,794 |
| Noncurrent loans to loans | 0.5270% | 2,690 |
| Net loans and leases to total assets | 83.1521% | 501 |
| Net loans and leases to deposits | 95.3731% | 1,135 |
| Net loans and leases to core deposits | 102.6164% | 1,533 |
| Total domestic deposits to total assets | 87.1861% | 1,691 |
| Equity capital to assets | 11.7950% | 2,035 |
| Core capital (leverage) ratio | 11.3129% | 2,258 |
| Tier 1 risk-based capital ratio | 10.9392% | 5,002 |
| Total risk-based capital ratio | 12.5204% | 4,743 |
| Memoranda: | ||
| Average total assets | $929,033,200 | 820 |
| Average earning assets | $865,044,200 | 815 |
| Average equity | $105,957,200 | 809 |
| Average total loans | $772,102,400 | 723 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 1,657 |
| Cost of funding earning assets | 0.5193% | 3,067 |
| Net interest margin | 4.1882% | 1,390 |
| Noninterest income to average assets | 0.4182% | 3,368 |
| Noninterest expense to average assets | 2.7196% | 2,921 |
| Loan and lease loss provision to assets | 0.1238% | 1,623 |
| Net operating income to assets | 1.0766% | 2,762 |
| Return on assets (ROA) | 1.0766% | 2,769 |
| Pretax return on assets | 1.4734% | 1,989 |
| Return on Equity (ROE) | 9.5294% | 2,831 |
| Retained earnings to average equity (ytd only) | 9.5294% | 1,043 |
| Net charge-offs to loans | -0.0097% | 4,384 |
| Credit loss provision to net charge-offs | -1,536.3636% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0007% | 3,337 |
| Assets per employee ($millions) | 9.0019% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,097 |
| Loan loss allowance to noncurrent loans | 581.5279% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 4,020 |
| Noncurrent loans to loans | 0.2234% | 3,908 |
| Net loans and leases to total assets | 81.2106% | 845 |
| Net loans and leases to deposits | 93.5103% | 1,430 |
| Net loans and leases to core deposits | 104.0236% | 1,450 |
| Total domestic deposits to total assets | 86.8467% | 1,802 |
| Equity capital to assets | 12.1218% | 1,826 |
| Core capital (leverage) ratio | 11.2637% | 2,366 |
| Tier 1 risk-based capital ratio | 11.6143% | 4,725 |
| Total risk-based capital ratio | 13.2717% | 4,374 |
| Memoranda: | ||
| Average total assets | $909,905,500 | 840 |
| Average earning assets | $847,001,750 | 829 |
| Average equity | $102,795,500 | 832 |
| Average total loans | $753,395,250 | 735 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,671 |
| Cost of funding earning assets | 0.4842% | 3,135 |
| Net interest margin | 4.1534% | 1,400 |
| Noninterest income to average assets | 0.4308% | 3,291 |
| Noninterest expense to average assets | 2.7839% | 2,709 |
| Loan and lease loss provision to assets | 0.1005% | 1,939 |
| Net operating income to assets | 1.0497% | 2,810 |
| Return on assets (ROA) | 1.0497% | 2,804 |
| Pretax return on assets | 1.4103% | 2,107 |
| Return on Equity (ROE) | 9.5386% | 2,781 |
| Retained earnings to average equity (ytd only) | 9.5386% | 1,058 |
| Net charge-offs to loans | -0.0135% | 4,421 |
| Credit loss provision to net charge-offs | -900.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8216% | 3,190 |
| Assets per employee ($millions) | 9.0191% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,164 |
| Loan loss allowance to noncurrent loans | 383.2616% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 3,651 |
| Noncurrent loans to loans | 0.3394% | 3,483 |
| Net loans and leases to total assets | 81.6235% | 753 |
| Net loans and leases to deposits | 92.9294% | 1,484 |
| Net loans and leases to core deposits | 105.2786% | 1,298 |
| Total domestic deposits to total assets | 87.8338% | 1,458 |
| Equity capital to assets | 11.2008% | 2,450 |
| Core capital (leverage) ratio | 10.5620% | 2,968 |
| Tier 1 risk-based capital ratio | 10.6829% | 5,198 |
| Total risk-based capital ratio | 12.3846% | 4,886 |
| Memoranda: | ||
| Average total assets | $895,140,330 | 851 |
| Average earning assets | $832,772,670 | 849 |
| Average equity | $98,505,330 | 854 |
| Average total loans | $742,823,000 | 744 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 1,603 |
| Cost of funding earning assets | 0.4551% | 3,171 |
| Net interest margin | 4.1359% | 1,348 |
| Noninterest income to average assets | 0.4689% | 3,000 |
| Noninterest expense to average assets | 2.7690% | 2,812 |
| Loan and lease loss provision to assets | 0.1172% | 1,612 |
| Net operating income to assets | 1.0211% | 2,773 |
| Return on assets (ROA) | 1.0211% | 2,795 |
| Pretax return on assets | 1.4418% | 1,862 |
| Return on Equity (ROE) | 9.3651% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.3651% | 1,339 |
| Net charge-offs to loans | -0.0217% | 4,600 |
| Credit loss provision to net charge-offs | -650.0000% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9792% | 3,486 |
| Assets per employee ($millions) | 8.9108% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,278 |
| Loan loss allowance to noncurrent loans | 364.7416% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 3,700 |
| Noncurrent loans to loans | 0.3545% | 3,499 |
| Net loans and leases to total assets | 80.6214% | 852 |
| Net loans and leases to deposits | 91.6871% | 1,485 |
| Net loans and leases to core deposits | 103.6940% | 1,400 |
| Total domestic deposits to total assets | 87.9311% | 1,655 |
| Equity capital to assets | 10.8338% | 2,738 |
| Core capital (leverage) ratio | 10.2691% | 3,221 |
| Tier 1 risk-based capital ratio | 10.3444% | 5,402 |
| Total risk-based capital ratio | 12.0401% | 5,143 |
| Memoranda: | ||
| Average total assets | $887,246,500 | 866 |
| Average earning assets | $827,867,000 | 858 |
| Average equity | $96,742,500 | 878 |
| Average total loans | $737,569,000 | 748 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,367 |
| Cost of funding earning assets | 0.3859% | 3,380 |
| Net interest margin | 4.2365% | 1,110 |
| Noninterest income to average assets | 0.3814% | 3,754 |
| Noninterest expense to average assets | 2.5600% | 3,578 |
| Loan and lease loss provision to assets | 0.2953% | 586 |
| Net operating income to assets | 0.7283% | 3,478 |
| Return on assets (ROA) | 0.7283% | 3,515 |
| Pretax return on assets | 1.4503% | 1,814 |
| Return on Equity (ROE) | 6.7631% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.7631% | 1,169 |
| Net charge-offs to loans | 0.0893% | 2,198 |
| Credit loss provision to net charge-offs | 387.2168% | 780 |
| Earnings coverage of net charge-offs (x) | 22.8867% | 1,837 |
| Efficiency ratio | 59.4577% | 4,347 |
| Assets per employee ($millions) | 8.4038% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,380 |
| Loan loss allowance to noncurrent loans | 1,921.4876% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,855 |
| Noncurrent loans to loans | 0.0661% | 4,696 |
| Net loans and leases to total assets | 83.5809% | 491 |
| Net loans and leases to deposits | 95.1185% | 1,165 |
| Net loans and leases to core deposits | 108.7361% | 1,078 |
| Total domestic deposits to total assets | 87.8702% | 1,568 |
| Equity capital to assets | 10.9771% | 2,646 |
| Core capital (leverage) ratio | 9.9188% | 3,559 |
| Tier 1 risk-based capital ratio | 10.0856% | 5,508 |
| Total risk-based capital ratio | 11.7496% | 5,275 |
| Memoranda: | ||
| Average total assets | $810,270,600 | 922 |
| Average earning assets | $750,544,800 | 918 |
| Average equity | $87,252,800 | 931 |
| Average total loans | $691,890,600 | 755 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,382 |
| Cost of funding earning assets | 0.3683% | 3,481 |
| Net interest margin | 4.2269% | 1,093 |
| Noninterest income to average assets | 0.3894% | 3,757 |
| Noninterest expense to average assets | 2.5026% | 3,724 |
| Loan and lease loss provision to assets | 0.3532% | 419 |
| Net operating income to assets | 0.9688% | 2,699 |
| Return on assets (ROA) | 0.9688% | 2,752 |
| Pretax return on assets | 1.4491% | 1,948 |
| Return on Equity (ROE) | 9.0442% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.0442% | 823 |
| Net charge-offs to loans | 0.1242% | 1,542 |
| Credit loss provision to net charge-offs | 332.2835% | 906 |
| Earnings coverage of net charge-offs (x) | 16.9542% | 2,139 |
| Efficiency ratio | 58.1334% | 4,485 |
| Assets per employee ($millions) | 8.5231% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.3225% | 509 |
| Net loans and leases to deposits | 94.8624% | 1,216 |
| Net loans and leases to core deposits | 107.7605% | 1,151 |
| Total domestic deposits to total assets | 87.8351% | 1,452 |
| Equity capital to assets | 11.1007% | 2,764 |
| Core capital (leverage) ratio | 10.5849% | 2,895 |
| Tier 1 risk-based capital ratio | 10.1417% | 5,563 |
| Total risk-based capital ratio | 11.7885% | 5,367 |
| Memoranda: | ||
| Average total assets | $796,441,500 | 945 |
| Average earning assets | $737,769,000 | 938 |
| Average equity | $85,312,000 | 957 |
| Average total loans | $681,672,000 | 769 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,352 |
| Cost of funding earning assets | 0.3456% | 3,625 |
| Net interest margin | 4.2162% | 1,047 |
| Noninterest income to average assets | 0.3957% | 3,719 |
| Noninterest expense to average assets | 2.5078% | 3,721 |
| Loan and lease loss provision to assets | 0.4662% | 260 |
| Net operating income to assets | 0.9069% | 2,880 |
| Return on assets (ROA) | 0.9069% | 2,927 |
| Pretax return on assets | 1.3268% | 2,281 |
| Return on Equity (ROE) | 8.5803% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.5803% | 975 |
| Net charge-offs to loans | 0.1907% | 1,050 |
| Credit loss provision to net charge-offs | 284.1693% | 996 |
| Earnings coverage of net charge-offs (x) | 10.9295% | 2,310 |
| Efficiency ratio | 58.3104% | 4,554 |
| Assets per employee ($millions) | 8.1391% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,770 |
| Loan loss allowance to noncurrent loans | 540.3727% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 4,368 |
| Noncurrent loans to loans | 0.2291% | 4,208 |
| Net loans and leases to total assets | 86.1454% | 262 |
| Net loans and leases to deposits | 98.3375% | 863 |
| Net loans and leases to core deposits | 112.6389% | 866 |
| Total domestic deposits to total assets | 87.6018% | 1,658 |
| Equity capital to assets | 11.3914% | 2,417 |
| Core capital (leverage) ratio | 10.6897% | 2,711 |
| Tier 1 risk-based capital ratio | 9.9994% | 5,629 |
| Total risk-based capital ratio | 11.6421% | 5,435 |
| Memoranda: | ||
| Average total assets | $777,820,330 | 968 |
| Average earning assets | $720,418,330 | 960 |
| Average equity | $82,212,000 | 993 |
| Average total loans | $669,175,330 | 784 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,586 |
| Cost of funding earning assets | 0.3016% | 4,026 |
| Net interest margin | 4.1184% | 1,177 |
| Noninterest income to average assets | 0.3959% | 3,694 |
| Noninterest expense to average assets | 2.5057% | 3,791 |
| Loan and lease loss provision to assets | 0.2880% | 488 |
| Net operating income to assets | 0.8771% | 2,869 |
| Return on assets (ROA) | 0.8771% | 2,925 |
| Pretax return on assets | 1.4207% | 1,814 |
| Return on Equity (ROE) | 8.6537% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.6537% | 1,204 |
| Net charge-offs to loans | -0.0153% | 4,603 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4558% | 4,535 |
| Assets per employee ($millions) | 7.8654% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 3,155 |
| Loan loss allowance to noncurrent loans | 1,172.2142% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,907 |
| Noncurrent loans to loans | 0.1020% | 4,783 |
| Net loans and leases to total assets | 87.6973% | 126 |
| Net loans and leases to deposits | 100.2598% | 599 |
| Net loans and leases to core deposits | 112.9536% | 730 |
| Total domestic deposits to total assets | 87.4700% | 2,000 |
| Equity capital to assets | 10.2727% | 3,440 |
| Core capital (leverage) ratio | 9.4371% | 4,188 |
| Tier 1 risk-based capital ratio | 8.6402% | 5,821 |
| Total risk-based capital ratio | 10.2767% | 5,805 |
| Memoranda: | ||
| Average total assets | $763,845,000 | 981 |
| Average earning assets | $708,232,500 | 976 |
| Average equity | $77,423,500 | 1,039 |
| Average total loans | $652,345,500 | 804 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 1,652 |
| Cost of funding earning assets | 0.3201% | 3,846 |
| Net interest margin | 4.1406% | 1,273 |
| Noninterest income to average assets | 0.4312% | 3,673 |
| Noninterest expense to average assets | 2.8732% | 2,772 |
| Loan and lease loss provision to assets | 0.1977% | 1,180 |
| Net operating income to assets | 0.7319% | 3,632 |
| Return on assets (ROA) | 0.7318% | 3,745 |
| Pretax return on assets | 1.1858% | 2,732 |
| Return on Equity (ROE) | 6.8076% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.6097% | 1,406 |
| Net charge-offs to loans | -0.0431% | 5,356 |
| Credit loss provision to net charge-offs | -568.0162% | 5,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4942% | 3,346 |
| Assets per employee ($millions) | 8.2231% | 548 |
| Cash dividends to net income (ytd only)* | 2.9078% | 4,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,132 |
| Loan loss allowance to noncurrent loans | 1,015.5196% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,937 |
| Noncurrent loans to loans | 0.1181% | 4,762 |
| Net loans and leases to total assets | 81.0707% | 732 |
| Net loans and leases to deposits | 95.3753% | 1,060 |
| Net loans and leases to core deposits | 107.6204% | 1,041 |
| Total domestic deposits to total assets | 85.0018% | 3,048 |
| Equity capital to assets | 9.9997% | 3,725 |
| Core capital (leverage) ratio | 8.7812% | 4,989 |
| Tier 1 risk-based capital ratio | 8.9567% | 5,859 |
| Total risk-based capital ratio | 10.6269% | 5,829 |
| Memoranda: | ||
| Average total assets | $709,658,400 | 1,012 |
| Average earning assets | $655,697,000 | 1,002 |
| Average equity | $76,282,400 | 1,041 |
| Average total loans | $573,133,600 | 867 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 1,659 |
| Cost of funding earning assets | 0.3113% | 3,962 |
| Net interest margin | 4.1499% | 1,255 |
| Noninterest income to average assets | 0.3997% | 3,923 |
| Noninterest expense to average assets | 2.9824% | 2,372 |
| Loan and lease loss provision to assets | 0.1899% | 1,147 |
| Net operating income to assets | 0.6530% | 4,070 |
| Return on assets (ROA) | 0.6528% | 4,194 |
| Pretax return on assets | 1.0526% | 3,418 |
| Return on Equity (ROE) | 5.9586% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.6928% | 2,360 |
| Net charge-offs to loans | -0.0558% | 5,402 |
| Credit loss provision to net charge-offs | -423.5043% | 5,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5845% | 2,811 |
| Assets per employee ($millions) | 8.0919% | 568 |
| Cash dividends to net income (ytd only)* | 4.4614% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,442 |
| Loan loss allowance to noncurrent loans | 945.4061% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,045 |
| Noncurrent loans to loans | 0.1234% | 4,848 |
| Net loans and leases to total assets | 78.2277% | 1,154 |
| Net loans and leases to deposits | 91.5889% | 1,550 |
| Net loans and leases to core deposits | 103.1822% | 1,403 |
| Total domestic deposits to total assets | 85.4118% | 2,639 |
| Equity capital to assets | 9.7389% | 4,427 |
| Core capital (leverage) ratio | 9.1505% | 4,660 |
| Tier 1 risk-based capital ratio | 8.9978% | 5,919 |
| Total risk-based capital ratio | 10.6533% | 5,882 |
| Memoranda: | ||
| Average total assets | $695,886,750 | 1,028 |
| Average earning assets | $641,502,750 | 1,022 |
| Average equity | $76,235,000 | 1,043 |
| Average total loans | $559,539,750 | 887 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,510 |
| Cost of funding earning assets | 0.3493% | 3,578 |
| Net interest margin | 4.1507% | 1,224 |
| Noninterest income to average assets | 0.3925% | 3,926 |
| Noninterest expense to average assets | 3.1003% | 2,065 |
| Loan and lease loss provision to assets | 0.1590% | 1,429 |
| Net operating income to assets | 0.5995% | 4,271 |
| Return on assets (ROA) | 0.5992% | 4,392 |
| Pretax return on assets | 0.9577% | 3,754 |
| Return on Equity (ROE) | 5.2470% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.8506% | 2,821 |
| Net charge-offs to loans | -0.0832% | 5,556 |
| Credit loss provision to net charge-offs | -236.2832% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5084% | 2,430 |
| Assets per employee ($millions) | 7.5515% | 684 |
| Cash dividends to net income (ytd only)* | 7.5547% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,692 |
| Loan loss allowance to noncurrent loans | 495.8894% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,753 |
| Noncurrent loans to loans | 0.2308% | 4,517 |
| Net loans and leases to total assets | 79.0559% | 1,059 |
| Net loans and leases to deposits | 93.3888% | 1,358 |
| Net loans and leases to core deposits | 106.2310% | 1,165 |
| Total domestic deposits to total assets | 84.6524% | 3,024 |
| Equity capital to assets | 10.0822% | 4,123 |
| Core capital (leverage) ratio | 9.6200% | 4,040 |
| Tier 1 risk-based capital ratio | 9.1542% | 5,988 |
| Total risk-based capital ratio | 10.8343% | 5,916 |
| Memoranda: | ||
| Average total assets | $671,606,000 | 1,061 |
| Average earning assets | $618,932,000 | 1,054 |
| Average equity | $76,691,330 | 1,040 |
| Average total loans | $543,233,330 | 903 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 1,258 |
| Cost of funding earning assets | 0.2943% | 4,224 |
| Net interest margin | 4.3092% | 916 |
| Noninterest income to average assets | 0.3783% | 4,003 |
| Noninterest expense to average assets | 3.3324% | 1,523 |
| Loan and lease loss provision to assets | 0.0713% | 2,528 |
| Net operating income to assets | 0.5857% | 4,246 |
| Return on assets (ROA) | 0.5849% | 4,364 |
| Pretax return on assets | 0.9328% | 3,717 |
| Return on Equity (ROE) | 4.8056% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.4642% | 3,257 |
| Net charge-offs to loans | -0.1585% | 5,785 |
| Credit loss provision to net charge-offs | -55.2885% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8230% | 2,067 |
| Assets per employee ($millions) | 6.7046% | 1,007 |
| Cash dividends to net income (ytd only)* | 7.1050% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,680 |
| Loan loss allowance to noncurrent loans | 550.1331% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 4,863 |
| Noncurrent loans to loans | 0.2120% | 4,668 |
| Net loans and leases to total assets | 82.4855% | 508 |
| Net loans and leases to deposits | 99.7388% | 639 |
| Net loans and leases to core deposits | 112.4190% | 733 |
| Total domestic deposits to total assets | 82.7015% | 4,003 |
| Equity capital to assets | 12.4102% | 1,739 |
| Core capital (leverage) ratio | 10.9603% | 2,439 |
| Tier 1 risk-based capital ratio | 10.7685% | 5,626 |
| Total risk-based capital ratio | 11.7564% | 5,661 |
| Memoranda: | ||
| Average total assets | $644,935,000 | 1,096 |
| Average earning assets | $592,591,000 | 1,100 |
| Average equity | $78,491,500 | 1,014 |
| Average total loans | $524,975,500 | 933 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 3,595 |
| Cost of funding earning assets | 0.2919% | 4,346 |
| Net interest margin | 3.6391% | 2,982 |
| Noninterest income to average assets | 0.4638% | 3,571 |
| Noninterest expense to average assets | 2.9745% | 2,628 |
| Loan and lease loss provision to assets | 0.0548% | 3,218 |
| Net operating income to assets | 0.4783% | 4,770 |
| Return on assets (ROA) | 0.4756% | 4,868 |
| Pretax return on assets | 0.8080% | 4,163 |
| Return on Equity (ROE) | 3.8121% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.6395% | 3,459 |
| Net charge-offs to loans | -0.0089% | 5,084 |
| Credit loss provision to net charge-offs | -800.0000% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4284% | 2,056 |
| Assets per employee ($millions) | 7.2598% | 799 |
| Cash dividends to net income (ytd only)* | 4.5286% | 4,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,847 |
| Loan loss allowance to noncurrent loans | 321.0383% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,468 |
| Noncurrent loans to loans | 0.3530% | 4,197 |
| Net loans and leases to total assets | 78.4372% | 1,068 |
| Net loans and leases to deposits | 94.5246% | 1,153 |
| Net loans and leases to core deposits | 106.3164% | 1,084 |
| Total domestic deposits to total assets | 82.9808% | 3,838 |
| Equity capital to assets | 11.9530% | 1,988 |
| Core capital (leverage) ratio | 10.2341% | 3,214 |
| Tier 1 risk-based capital ratio | 10.5648% | 5,747 |
| Total risk-based capital ratio | 11.5113% | 5,803 |
| Memoranda: | ||
| Average total assets | $510,770,400 | 1,313 |
| Average earning assets | $474,095,200 | 1,304 |
| Average equity | $63,717,400 | 1,181 |
| Average total loans | $395,031,600 | 1,169 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 2,924 |
| Cost of funding earning assets | 0.3046% | 4,281 |
| Net interest margin | 3.7978% | 2,396 |
| Noninterest income to average assets | 0.4745% | 3,540 |
| Noninterest expense to average assets | 2.9188% | 2,789 |
| Loan and lease loss provision to assets | 0.0312% | 3,614 |
| Net operating income to assets | 0.6761% | 4,005 |
| Return on assets (ROA) | 0.6721% | 4,132 |
| Pretax return on assets | 1.0560% | 3,390 |
| Return on Equity (ROE) | 5.3113% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.1294% | 2,820 |
| Net charge-offs to loans | -0.0106% | 5,005 |
| Credit loss provision to net charge-offs | -382.7586% | 5,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7495% | 2,756 |
| Assets per employee ($millions) | 7.7613% | 601 |
| Cash dividends to net income (ytd only)* | 3.4238% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 2,380 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,795 |
| Noncurrent loans to loans | 0.3184% | 4,455 |
| Net loans and leases to total assets | 74.6352% | 1,621 |
| Net loans and leases to deposits | 90.9515% | 1,535 |
| Net loans and leases to core deposits | 102.0963% | 1,379 |
| Total domestic deposits to total assets | 82.0605% | 4,144 |
| Equity capital to assets | 11.8610% | 2,206 |
| Core capital (leverage) ratio | 12.5319% | 1,400 |
| Tier 1 risk-based capital ratio | 12.3021% | 4,884 |
| Total risk-based capital ratio | 13.4582% | 4,859 |
| Memoranda: | ||
| Average total assets | $475,116,750 | 1,426 |
| Average earning assets | $442,562,500 | 1,407 |
| Average equity | $60,122,000 | 1,272 |
| Average total loans | $364,196,500 | 1,251 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 2,932 |
| Cost of funding earning assets | 0.3050% | 4,343 |
| Net interest margin | 3.7858% | 2,379 |
| Noninterest income to average assets | 0.4577% | 3,647 |
| Noninterest expense to average assets | 2.8916% | 2,925 |
| Loan and lease loss provision to assets | 0.0426% | 3,257 |
| Net operating income to assets | 0.6433% | 4,152 |
| Return on assets (ROA) | 0.6433% | 4,261 |
| Pretax return on assets | 1.0575% | 3,351 |
| Return on Equity (ROE) | 4.9662% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.7816% | 3,003 |
| Net charge-offs to loans | -0.0124% | 4,992 |
| Credit loss provision to net charge-offs | -445.4545% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4412% | 2,942 |
| Assets per employee ($millions) | 7.7479% | 594 |
| Cash dividends to net income (ytd only)* | 3.7162% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 2,309 |
| Loan loss allowance to noncurrent loans | 302.4494% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 4,316 |
| Noncurrent loans to loans | 0.4949% | 3,987 |
| Net loans and leases to total assets | 79.0866% | 923 |
| Net loans and leases to deposits | 98.0216% | 788 |
| Net loans and leases to core deposits | 113.3501% | 695 |
| Total domestic deposits to total assets | 80.6828% | 4,696 |
| Equity capital to assets | 12.7967% | 1,495 |
| Core capital (leverage) ratio | 13.1935% | 1,094 |
| Tier 1 risk-based capital ratio | 12.6223% | 4,727 |
| Total risk-based capital ratio | 13.8263% | 4,676 |
| Memoranda: | ||
| Average total assets | $460,153,000 | 1,474 |
| Average earning assets | $429,557,000 | 1,460 |
| Average equity | $59,603,330 | 1,287 |
| Average total loans | $354,325,670 | 1,287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 2,989 |
| Cost of funding earning assets | 0.3050% | 4,387 |
| Net interest margin | 3.7566% | 2,407 |
| Noninterest income to average assets | 0.4388% | 3,700 |
| Noninterest expense to average assets | 2.9203% | 2,833 |
| Loan and lease loss provision to assets | 0.0035% | 3,665 |
| Net operating income to assets | 0.6028% | 4,281 |
| Return on assets (ROA) | 0.6028% | 4,376 |
| Pretax return on assets | 1.0204% | 3,421 |
| Return on Equity (ROE) | 4.6244% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.4418% | 3,356 |
| Net charge-offs to loans | -0.0129% | 4,837 |
| Credit loss provision to net charge-offs | -36.3636% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0393% | 2,808 |
| Assets per employee ($millions) | 7.4552% | 689 |
| Cash dividends to net income (ytd only)* | 3.9474% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,982 |
| Loan loss allowance to noncurrent loans | 144.2805% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 2,994 |
| Noncurrent loans to loans | 1.1210% | 2,531 |
| Net loans and leases to total assets | 73.3690% | 1,587 |
| Net loans and leases to deposits | 91.1954% | 1,272 |
| Net loans and leases to core deposits | 105.8224% | 949 |
| Total domestic deposits to total assets | 80.4526% | 4,944 |
| Equity capital to assets | 12.9273% | 1,440 |
| Core capital (leverage) ratio | 13.4575% | 988 |
| Tier 1 risk-based capital ratio | 13.7068% | 4,216 |
| Total risk-based capital ratio | 14.9574% | 4,122 |
| Memoranda: | ||
| Average total assets | $453,919,000 | 1,501 |
| Average earning assets | $423,576,500 | 1,490 |
| Average equity | $59,165,000 | 1,296 |
| Average total loans | $341,758,500 | 1,325 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,597 |
| Cost of funding earning assets | 0.3422% | 4,342 |
| Net interest margin | 3.9607% | 2,008 |
| Noninterest income to average assets | 0.5171% | 3,379 |
| Noninterest expense to average assets | 2.9014% | 3,148 |
| Loan and lease loss provision to assets | -0.0175% | 5,935 |
| Net operating income to assets | 0.8195% | 3,283 |
| Return on assets (ROA) | 0.8279% | 3,326 |
| Pretax return on assets | 1.3093% | 2,209 |
| Return on Equity (ROE) | 6.6912% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.4726% | 1,661 |
| Net charge-offs to loans | -0.1247% | 6,170 |
| Credit loss provision to net charge-offs | 18.6352% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4077% | 3,644 |
| Assets per employee ($millions) | 7.3054% | 718 |
| Cash dividends to net income (ytd only)* | 3.2670% | 4,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 1,951 |
| Loan loss allowance to noncurrent loans | 427.6923% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 3,038 |
| Noncurrent loans to loans | 0.3837% | 4,489 |
| Net loans and leases to total assets | 74.7827% | 1,452 |
| Net loans and leases to deposits | 93.8669% | 1,084 |
| Net loans and leases to core deposits | 110.0481% | 772 |
| Total domestic deposits to total assets | 79.6689% | 5,101 |
| Equity capital to assets | 13.1480% | 1,293 |
| Core capital (leverage) ratio | 13.0048% | 1,138 |
| Tier 1 risk-based capital ratio | 13.9049% | 4,163 |
| Total risk-based capital ratio | 15.1561% | 4,097 |
| Memoranda: | ||
| Average total assets | $406,700,800 | 1,626 |
| Average earning assets | $376,141,800 | 1,610 |
| Average equity | $50,320,000 | 1,433 |
| Average total loans | $305,507,000 | 1,407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 2,453 |
| Cost of funding earning assets | 0.3394% | 4,470 |
| Net interest margin | 4.0019% | 1,872 |
| Noninterest income to average assets | 0.5266% | 3,344 |
| Noninterest expense to average assets | 2.9274% | 3,030 |
| Loan and lease loss provision to assets | -0.0500% | 6,188 |
| Net operating income to assets | 0.7915% | 3,461 |
| Return on assets (ROA) | 0.8105% | 3,478 |
| Pretax return on assets | 1.3693% | 2,118 |
| Return on Equity (ROE) | 6.6676% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.4382% | 2,145 |
| Net charge-offs to loans | -0.1566% | 6,252 |
| Credit loss provision to net charge-offs | 42.6934% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4170% | 3,607 |
| Assets per employee ($millions) | 7.5199% | 638 |
| Cash dividends to net income (ytd only)* | 3.4396% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 1,850 |
| Loan loss allowance to noncurrent loans | 418.9085% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 3,186 |
| Noncurrent loans to loans | 0.4157% | 4,662 |
| Net loans and leases to total assets | 71.7402% | 1,895 |
| Net loans and leases to deposits | 90.4519% | 1,379 |
| Net loans and leases to core deposits | 106.0074% | 960 |
| Total domestic deposits to total assets | 79.3131% | 5,259 |
| Equity capital to assets | 13.4224% | 1,220 |
| Core capital (leverage) ratio | 14.1055% | 815 |
| Tier 1 risk-based capital ratio | 14.5832% | 3,828 |
| Total risk-based capital ratio | 15.8352% | 3,772 |
| Memoranda: | ||
| Average total assets | $396,969,250 | 1,671 |
| Average earning assets | $366,087,500 | 1,655 |
| Average equity | $48,252,250 | 1,498 |
| Average total loans | $297,180,750 | 1,444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3422% | 2,419 |
| Cost of funding earning assets | 0.3362% | 4,575 |
| Net interest margin | 4.0059% | 1,788 |
| Noninterest income to average assets | 0.5388% | 3,213 |
| Noninterest expense to average assets | 2.8798% | 3,240 |
| Loan and lease loss provision to assets | -0.0776% | 6,350 |
| Net operating income to assets | 0.8681% | 2,965 |
| Return on assets (ROA) | 0.8675% | 3,058 |
| Pretax return on assets | 1.4663% | 1,650 |
| Return on Equity (ROE) | 7.4227% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.1791% | 1,680 |
| Net charge-offs to loans | -0.2227% | 6,366 |
| Credit loss provision to net charge-offs | 46.1538% | 2,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4506% | 4,123 |
| Assets per employee ($millions) | 8.4384% | 412 |
| Cash dividends to net income (ytd only)* | 3.2816% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 1,843 |
| Loan loss allowance to noncurrent loans | 145.5204% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 3,340 |
| Noncurrent loans to loans | 1.2364% | 2,759 |
| Net loans and leases to total assets | 70.1783% | 2,050 |
| Net loans and leases to deposits | 88.5211% | 1,532 |
| Net loans and leases to core deposits | 104.8295% | 968 |
| Total domestic deposits to total assets | 79.2787% | 5,394 |
| Equity capital to assets | 13.4493% | 1,179 |
| Core capital (leverage) ratio | 15.2670% | 562 |
| Tier 1 risk-based capital ratio | 15.8323% | 3,181 |
| Total risk-based capital ratio | 17.0859% | 3,115 |
| Memoranda: | ||
| Average total assets | $386,414,670 | 1,704 |
| Average earning assets | $359,866,330 | 1,682 |
| Average equity | $45,158,670 | 1,582 |
| Average total loans | $291,923,670 | 1,463 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,837 |
| Cost of funding earning assets | 0.3469% | 4,569 |
| Net interest margin | 4.1449% | 1,353 |
| Noninterest income to average assets | 0.4633% | 3,684 |
| Noninterest expense to average assets | 3.0998% | 2,533 |
| Loan and lease loss provision to assets | -0.1660% | 6,543 |
| Net operating income to assets | 0.8203% | 3,054 |
| Return on assets (ROA) | 0.8203% | 3,124 |
| Pretax return on assets | 1.3931% | 1,770 |
| Return on Equity (ROE) | 7.6819% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.4075% | 1,855 |
| Net charge-offs to loans | -0.4500% | 6,542 |
| Credit loss provision to net charge-offs | 47.3684% | 2,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6399% | 3,550 |
| Assets per employee ($millions) | 7.3099% | 689 |
| Cash dividends to net income (ytd only)* | 3.5714% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 1,871 |
| Loan loss allowance to noncurrent loans | 145.4643% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 3,272 |
| Noncurrent loans to loans | 1.2786% | 2,893 |
| Net loans and leases to total assets | 76.7158% | 918 |
| Net loans and leases to deposits | 94.4687% | 748 |
| Net loans and leases to core deposits | 115.8114% | 411 |
| Total domestic deposits to total assets | 81.2077% | 5,179 |
| Equity capital to assets | 10.6892% | 3,055 |
| Core capital (leverage) ratio | 11.0742% | 2,327 |
| Tier 1 risk-based capital ratio | 11.4293% | 5,947 |
| Total risk-based capital ratio | 12.6832% | 5,899 |
| Memoranda: | ||
| Average total assets | $368,663,000 | 1,781 |
| Average earning assets | $343,647,500 | 1,752 |
| Average equity | $39,365,500 | 1,791 |
| Average total loans | $287,125,500 | 1,496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,948 |
| Cost of funding earning assets | 0.4130% | 4,504 |
| Net interest margin | 3.8901% | 2,324 |
| Noninterest income to average assets | 0.4061% | 4,397 |
| Noninterest expense to average assets | 2.7761% | 3,811 |
| Loan and lease loss provision to assets | 0.0736% | 3,644 |
| Net operating income to assets | 0.7121% | 3,742 |
| Return on assets (ROA) | 0.7153% | 3,809 |
| Pretax return on assets | 1.2095% | 2,537 |
| Return on Equity (ROE) | 6.7771% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.4854% | 1,693 |
| Net charge-offs to loans | -0.1192% | 6,519 |
| Credit loss provision to net charge-offs | -84.2949% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4752% | 4,104 |
| Assets per employee ($millions) | 7.5941% | 579 |
| Cash dividends to net income (ytd only)* | 4.3036% | 4,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 1,905 |
| Loan loss allowance to noncurrent loans | 390.0446% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 5,146 |
| Noncurrent loans to loans | 0.4759% | 4,801 |
| Net loans and leases to total assets | 76.1494% | 1,052 |
| Net loans and leases to deposits | 94.3694% | 852 |
| Net loans and leases to core deposits | 114.0390% | 470 |
| Total domestic deposits to total assets | 80.6929% | 5,270 |
| Equity capital to assets | 10.6664% | 2,961 |
| Core capital (leverage) ratio | 10.3645% | 3,066 |
| Tier 1 risk-based capital ratio | 11.4527% | 5,931 |
| Total risk-based capital ratio | 12.7064% | 5,867 |
| Memoranda: | ||
| Average total assets | $357,335,400 | 1,814 |
| Average earning assets | $335,105,000 | 1,774 |
| Average equity | $37,715,400 | 1,844 |
| Average total loans | $261,747,600 | 1,583 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 3,385 |
| Cost of funding earning assets | 0.4257% | 4,548 |
| Net interest margin | 3.7759% | 2,729 |
| Noninterest income to average assets | 0.3806% | 4,670 |
| Noninterest expense to average assets | 2.6359% | 4,255 |
| Loan and lease loss provision to assets | 0.1305% | 2,656 |
| Net operating income to assets | 0.7046% | 3,837 |
| Return on assets (ROA) | 0.7106% | 3,934 |
| Pretax return on assets | 1.1659% | 2,827 |
| Return on Equity (ROE) | 6.7513% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.4591% | 2,156 |
| Net charge-offs to loans | -0.0920% | 6,480 |
| Credit loss provision to net charge-offs | -196.6102% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1924% | 4,264 |
| Assets per employee ($millions) | 8.3444% | 401 |
| Cash dividends to net income (ytd only)* | 4.3272% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 2,013 |
| Loan loss allowance to noncurrent loans | 386.0431% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 5,333 |
| Noncurrent loans to loans | 0.4914% | 4,972 |
| Net loans and leases to total assets | 71.6178% | 1,660 |
| Net loans and leases to deposits | 87.8374% | 1,381 |
| Net loans and leases to core deposits | 106.6782% | 720 |
| Total domestic deposits to total assets | 81.5344% | 5,071 |
| Equity capital to assets | 10.2147% | 3,619 |
| Core capital (leverage) ratio | 10.4872% | 3,020 |
| Tier 1 risk-based capital ratio | 11.8401% | 5,882 |
| Total risk-based capital ratio | 13.0946% | 5,827 |
| Memoranda: | ||
| Average total assets | $355,539,500 | 1,834 |
| Average earning assets | $333,548,000 | 1,796 |
| Average equity | $37,424,000 | 1,868 |
| Average total loans | $256,477,250 | 1,617 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,563 |
| Cost of funding earning assets | 0.4394% | 4,551 |
| Net interest margin | 3.7053% | 2,937 |
| Noninterest income to average assets | 0.3520% | 4,871 |
| Noninterest expense to average assets | 2.6576% | 4,193 |
| Loan and lease loss provision to assets | 0.1542% | 2,388 |
| Net operating income to assets | 0.6506% | 4,057 |
| Return on assets (ROA) | 0.6598% | 4,169 |
| Pretax return on assets | 1.0445% | 3,315 |
| Return on Equity (ROE) | 6.2026% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.9062% | 2,489 |
| Net charge-offs to loans | -0.0208% | 5,980 |
| Credit loss provision to net charge-offs | -1,034.6154% | 6,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1734% | 3,983 |
| Assets per employee ($millions) | 7.9371% | 471 |
| Cash dividends to net income (ytd only)* | 4.7785% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,059 |
| Loan loss allowance to noncurrent loans | 369.2422% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 5,326 |
| Noncurrent loans to loans | 0.5198% | 4,968 |
| Net loans and leases to total assets | 72.7290% | 1,447 |
| Net loans and leases to deposits | 90.3366% | 1,112 |
| Net loans and leases to core deposits | 111.1917% | 516 |
| Total domestic deposits to total assets | 80.5089% | 5,471 |
| Equity capital to assets | 10.7132% | 3,039 |
| Core capital (leverage) ratio | 11.1021% | 2,260 |
| Tier 1 risk-based capital ratio | 12.0661% | 5,757 |
| Total risk-based capital ratio | 13.3206% | 5,701 |
| Memoranda: | ||
| Average total assets | $348,886,330 | 1,871 |
| Average earning assets | $328,613,000 | 1,822 |
| Average equity | $37,113,330 | 1,883 |
| Average total loans | $250,595,000 | 1,656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,766 |
| Cost of funding earning assets | 0.4620% | 4,459 |
| Net interest margin | 3.6276% | 3,148 |
| Noninterest income to average assets | 0.3671% | 4,737 |
| Noninterest expense to average assets | 2.6819% | 4,143 |
| Loan and lease loss provision to assets | 0.2420% | 1,492 |
| Net operating income to assets | 0.6127% | 4,156 |
| Return on assets (ROA) | 0.6355% | 4,209 |
| Pretax return on assets | 0.8982% | 3,772 |
| Return on Equity (ROE) | 5.9952% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.7030% | 2,839 |
| Net charge-offs to loans | -0.0227% | 5,777 |
| Credit loss provision to net charge-offs | -1,507.1429% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7627% | 3,832 |
| Assets per employee ($millions) | 7.7361% | 549 |
| Cash dividends to net income (ytd only)* | 4.8736% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 2,084 |
| Loan loss allowance to noncurrent loans | 363.7713% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 5,433 |
| Noncurrent loans to loans | 0.5461% | 5,075 |
| Net loans and leases to total assets | 69.4503% | 1,761 |
| Net loans and leases to deposits | 86.2123% | 1,331 |
| Net loans and leases to core deposits | 104.8948% | 684 |
| Total domestic deposits to total assets | 80.5572% | 5,611 |
| Equity capital to assets | 10.6945% | 3,328 |
| Core capital (leverage) ratio | 10.6456% | 2,599 |
| Tier 1 risk-based capital ratio | 12.3447% | 5,683 |
| Total risk-based capital ratio | 13.5996% | 5,635 |
| Memoranda: | ||
| Average total assets | $348,713,500 | 1,900 |
| Average earning assets | $329,032,500 | 1,840 |
| Average equity | $36,963,000 | 1,918 |
| Average total loans | $246,411,000 | 1,687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 4,319 |
| Cost of funding earning assets | 0.5271% | 5,009 |
| Net interest margin | 3.7422% | 3,473 |
| Noninterest income to average assets | 0.4480% | 4,258 |
| Noninterest expense to average assets | 2.7136% | 4,350 |
| Loan and lease loss provision to assets | 0.3852% | 1,693 |
| Net operating income to assets | 0.4877% | 4,727 |
| Return on assets (ROA) | 0.5441% | 4,752 |
| Pretax return on assets | 0.9613% | 3,698 |
| Return on Equity (ROE) | 4.9486% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.3826% | 3,143 |
| Net charge-offs to loans | 0.3257% | 3,019 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 5.4453% | 3,035 |
| Efficiency ratio | 68.3190% | 4,084 |
| Assets per employee ($millions) | 7.7623% | 566 |
| Cash dividends to net income (ytd only)* | 11.4383% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 2,298 |
| Loan loss allowance to noncurrent loans | 298.1505% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 5,364 |
| Noncurrent loans to loans | 0.6370% | 4,924 |
| Net loans and leases to total assets | 69.1302% | 2,010 |
| Net loans and leases to deposits | 85.7867% | 1,541 |
| Net loans and leases to core deposits | 107.2169% | 642 |
| Total domestic deposits to total assets | 80.5839% | 5,515 |
| Equity capital to assets | 10.5055% | 3,525 |
| Core capital (leverage) ratio | 10.3727% | 2,925 |
| Tier 1 risk-based capital ratio | 12.2730% | 5,617 |
| Total risk-based capital ratio | 13.5272% | 5,567 |
| Memoranda: | ||
| Average total assets | $324,545,200 | 1,984 |
| Average earning assets | $305,618,800 | 1,937 |
| Average equity | $35,686,600 | 1,940 |
| Average total loans | $230,279,400 | 1,769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 4,500 |
| Cost of funding earning assets | 0.5379% | 5,181 |
| Net interest margin | 3.7484% | 3,563 |
| Noninterest income to average assets | 0.3933% | 4,685 |
| Noninterest expense to average assets | 2.6737% | 4,481 |
| Loan and lease loss provision to assets | 0.4188% | 1,525 |
| Net operating income to assets | 0.4603% | 4,995 |
| Return on assets (ROA) | 0.5185% | 5,031 |
| Pretax return on assets | 0.9172% | 4,037 |
| Return on Equity (ROE) | 4.6583% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.0036% | 4,070 |
| Net charge-offs to loans | 0.3093% | 2,898 |
| Credit loss provision to net charge-offs | 190.4762% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.6629% | 2,962 |
| Efficiency ratio | 68.2270% | 4,011 |
| Assets per employee ($millions) | 7.9310% | 495 |
| Cash dividends to net income (ytd only)* | 14.0546% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 2,406 |
| Loan loss allowance to noncurrent loans | 271.1370% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 5,415 |
| Noncurrent loans to loans | 0.7094% | 5,019 |
| Net loans and leases to total assets | 69.5257% | 2,008 |
| Net loans and leases to deposits | 86.5385% | 1,541 |
| Net loans and leases to core deposits | 109.0253% | 607 |
| Total domestic deposits to total assets | 80.3408% | 5,566 |
| Equity capital to assets | 10.6697% | 3,639 |
| Core capital (leverage) ratio | 10.3765% | 3,067 |
| Tier 1 risk-based capital ratio | 12.6012% | 5,567 |
| Total risk-based capital ratio | 13.8568% | 5,519 |
| Memoranda: | ||
| Average total assets | $318,355,750 | 2,036 |
| Average earning assets | $299,429,000 | 1,993 |
| Average equity | $35,434,250 | 1,965 |
| Average total loans | $226,312,000 | 1,812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 4,618 |
| Cost of funding earning assets | 0.5357% | 5,402 |
| Net interest margin | 3.7527% | 3,578 |
| Noninterest income to average assets | 0.4196% | 4,507 |
| Noninterest expense to average assets | 2.7523% | 4,210 |
| Loan and lease loss provision to assets | 0.4421% | 1,463 |
| Net operating income to assets | 0.4180% | 5,156 |
| Return on assets (ROA) | 0.4839% | 5,141 |
| Pretax return on assets | 0.8578% | 4,245 |
| Return on Equity (ROE) | 4.2829% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.4457% | 4,307 |
| Net charge-offs to loans | 0.1917% | 3,436 |
| Credit loss provision to net charge-offs | 324.0566% | 915 |
| Earnings coverage of net charge-offs (x) | 8.7736% | 2,250 |
| Efficiency ratio | 69.6920% | 3,813 |
| Assets per employee ($millions) | 7.5700% | 571 |
| Cash dividends to net income (ytd only)* | 19.5479% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 2,297 |
| Loan loss allowance to noncurrent loans | 306.3241% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 5,603 |
| Noncurrent loans to loans | 0.6449% | 5,221 |
| Net loans and leases to total assets | 70.8834% | 1,757 |
| Net loans and leases to deposits | 88.9704% | 1,257 |
| Net loans and leases to core deposits | 113.2103% | 475 |
| Total domestic deposits to total assets | 79.6708% | 5,823 |
| Equity capital to assets | 10.9382% | 3,182 |
| Core capital (leverage) ratio | 11.0682% | 2,234 |
| Tier 1 risk-based capital ratio | 12.7430% | 5,383 |
| Total risk-based capital ratio | 13.9994% | 5,349 |
| Memoranda: | ||
| Average total assets | $310,797,000 | 2,087 |
| Average earning assets | $292,326,330 | 2,034 |
| Average equity | $35,116,670 | 1,969 |
| Average total loans | $221,164,330 | 1,839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 5,159 |
| Cost of funding earning assets | 0.5340% | 5,589 |
| Net interest margin | 3.6516% | 4,044 |
| Noninterest income to average assets | 0.2636% | 5,762 |
| Noninterest expense to average assets | 2.6364% | 4,679 |
| Loan and lease loss provision to assets | 0.3823% | 1,646 |
| Net operating income to assets | 0.3753% | 5,366 |
| Return on assets (ROA) | 0.4403% | 5,272 |
| Pretax return on assets | 0.7896% | 4,454 |
| Return on Equity (ROE) | 3.8311% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.5214% | 4,469 |
| Net charge-offs to loans | 0.1215% | 3,383 |
| Credit loss provision to net charge-offs | 446.1538% | 724 |
| Earnings coverage of net charge-offs (x) | 12.4923% | 1,596 |
| Efficiency ratio | 71.1238% | 3,598 |
| Assets per employee ($millions) | 7.7122% | 556 |
| Cash dividends to net income (ytd only)* | 8.0838% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,351 |
| Loan loss allowance to noncurrent loans | 263.3154% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 5,520 |
| Noncurrent loans to loans | 0.7596% | 5,144 |
| Net loans and leases to total assets | 69.8865% | 1,773 |
| Net loans and leases to deposits | 88.6133% | 1,093 |
| Net loans and leases to core deposits | 105.7872% | 682 |
| Total domestic deposits to total assets | 78.8668% | 6,104 |
| Equity capital to assets | 11.3791% | 2,545 |
| Core capital (leverage) ratio | 11.2239% | 2,091 |
| Tier 1 risk-based capital ratio | 13.6224% | 4,734 |
| Total risk-based capital ratio | 14.8791% | 4,715 |
| Memoranda: | ||
| Average total assets | $303,439,500 | 2,146 |
| Average earning assets | $286,118,500 | 2,091 |
| Average equity | $34,872,500 | 1,985 |
| Average total loans | $214,054,500 | 1,912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 5,700 |
| Cost of funding earning assets | 0.6285% | 5,935 |
| Net interest margin | 3.6915% | 4,336 |
| Noninterest income to average assets | 0.2729% | 5,574 |
| Noninterest expense to average assets | 2.7531% | 4,540 |
| Loan and lease loss provision to assets | 0.5104% | 2,058 |
| Net operating income to assets | 0.2743% | 5,352 |
| Return on assets (ROA) | 0.3048% | 5,386 |
| Pretax return on assets | 0.5672% | 4,791 |
| Return on Equity (ROE) | 2.6359% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.1041% | 4,712 |
| Net charge-offs to loans | 0.7851% | 2,193 |
| Credit loss provision to net charge-offs | 89.7297% | 4,009 |
| Earnings coverage of net charge-offs (x) | 1.8108% | 4,429 |
| Efficiency ratio | 72.7753% | 3,432 |
| Assets per employee ($millions) | 7.6511% | 540 |
| Cash dividends to net income (ytd only)* | 20.1765% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 2,258 |
| Loan loss allowance to noncurrent loans | 422.9990% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,144 |
| Noncurrent loans to loans | 0.4742% | 5,761 |
| Net loans and leases to total assets | 68.3474% | 2,324 |
| Net loans and leases to deposits | 83.6168% | 1,967 |
| Net loans and leases to core deposits | 100.0554% | 1,169 |
| Total domestic deposits to total assets | 81.7388% | 5,217 |
| Equity capital to assets | 11.6095% | 2,415 |
| Core capital (leverage) ratio | 11.4284% | 1,943 |
| Tier 1 risk-based capital ratio | 13.9894% | 4,333 |
| Total risk-based capital ratio | 15.2460% | 4,286 |
| Memoranda: | ||
| Average total assets | $260,211,800 | 2,426 |
| Average earning assets | $247,430,400 | 2,329 |
| Average equity | $30,084,200 | 2,196 |
| Average total loans | $188,520,600 | 2,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 5,842 |
| Cost of funding earning assets | 0.6363% | 6,108 |
| Net interest margin | 3.6952% | 4,354 |
| Noninterest income to average assets | 0.2867% | 5,558 |
| Noninterest expense to average assets | 2.7303% | 4,611 |
| Loan and lease loss provision to assets | 0.6213% | 1,580 |
| Net operating income to assets | 0.2254% | 5,632 |
| Return on assets (ROA) | 0.2527% | 5,707 |
| Pretax return on assets | 0.4899% | 5,193 |
| Return on Equity (ROE) | 2.1880% | 5,710 |
| Retained earnings to average equity (ytd only) | 1.6030% | 5,339 |
| Net charge-offs to loans | 0.9665% | 1,662 |
| Credit loss provision to net charge-offs | 87.7536% | 3,862 |
| Earnings coverage of net charge-offs (x) | 1.5094% | 4,507 |
| Efficiency ratio | 71.8706% | 3,575 |
| Assets per employee ($millions) | 7.6702% | 541 |
| Cash dividends to net income (ytd only)* | 26.7369% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0743% | 2,131 |
| Loan loss allowance to noncurrent loans | 374.1240% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 6,070 |
| Noncurrent loans to loans | 0.5544% | 5,757 |
| Net loans and leases to total assets | 71.1902% | 1,867 |
| Net loans and leases to deposits | 89.5697% | 1,263 |
| Net loans and leases to core deposits | 109.7038% | 688 |
| Total domestic deposits to total assets | 79.4802% | 5,873 |
| Equity capital to assets | 12.4431% | 1,954 |
| Core capital (leverage) ratio | 12.3396% | 1,515 |
| Tier 1 risk-based capital ratio | 14.1818% | 4,217 |
| Total risk-based capital ratio | 15.4392% | 4,178 |
| Memoranda: | ||
| Average total assets | $250,666,500 | 2,522 |
| Average earning assets | $238,247,250 | 2,423 |
| Average equity | $28,944,750 | 2,273 |
| Average total loans | $183,621,000 | 2,213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 6,032 |
| Cost of funding earning assets | 0.6286% | 6,321 |
| Net interest margin | 3.6678% | 4,426 |
| Noninterest income to average assets | 0.3469% | 5,108 |
| Noninterest expense to average assets | 2.7517% | 4,624 |
| Loan and lease loss provision to assets | 0.6499% | 1,477 |
| Net operating income to assets | 0.2271% | 5,639 |
| Return on assets (ROA) | 0.2271% | 5,757 |
| Pretax return on assets | 0.4484% | 5,237 |
| Return on Equity (ROE) | 2.0265% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.2233% | 5,365 |
| Net charge-offs to loans | 1.5063% | 983 |
| Credit loss provision to net charge-offs | 58.7313% | 4,370 |
| Earnings coverage of net charge-offs (x) | 0.9925% | 4,555 |
| Efficiency ratio | 71.4715% | 3,828 |
| Assets per employee ($millions) | 7.0448% | 708 |
| Cash dividends to net income (ytd only)* | 39.6364% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 2,301 |
| Loan loss allowance to noncurrent loans | 339.0836% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 6,044 |
| Noncurrent loans to loans | 0.5970% | 5,728 |
| Net loans and leases to total assets | 72.0235% | 1,779 |
| Net loans and leases to deposits | 89.4963% | 1,329 |
| Net loans and leases to core deposits | 112.0235% | 648 |
| Total domestic deposits to total assets | 80.4766% | 5,685 |
| Equity capital to assets | 10.7944% | 3,178 |
| Core capital (leverage) ratio | 10.5508% | 2,659 |
| Tier 1 risk-based capital ratio | 11.9349% | 5,840 |
| Total risk-based capital ratio | 13.1922% | 5,810 |
| Memoranda: | ||
| Average total assets | $242,179,330 | 2,632 |
| Average earning assets | $231,312,330 | 2,512 |
| Average equity | $27,140,000 | 2,373 |
| Average total loans | $177,914,670 | 2,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 6,191 |
| Cost of funding earning assets | 0.6167% | 6,537 |
| Net interest margin | 3.6192% | 4,486 |
| Noninterest income to average assets | 0.5464% | 3,537 |
| Noninterest expense to average assets | 2.7979% | 4,452 |
| Loan and lease loss provision to assets | 0.7934% | 1,071 |
| Net operating income to assets | 0.2233% | 5,708 |
| Return on assets (ROA) | 0.2233% | 5,770 |
| Pretax return on assets | 0.4297% | 5,249 |
| Return on Equity (ROE) | 1.9540% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.1398% | 5,367 |
| Net charge-offs to loans | 2.4693% | 470 |
| Credit loss provision to net charge-offs | 43.7500% | 3,875 |
| Earnings coverage of net charge-offs (x) | 0.6744% | 4,120 |
| Efficiency ratio | 69.5835% | 4,359 |
| Assets per employee ($millions) | 7.0715% | 711 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1712% | 2,027 |
| Loan loss allowance to noncurrent loans | 212.1937% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,420 |
| Noncurrent loans to loans | 1.0232% | 5,011 |
| Net loans and leases to total assets | 71.9035% | 1,741 |
| Net loans and leases to deposits | 89.5073% | 1,293 |
| Net loans and leases to core deposits | 113.7964% | 608 |
| Total domestic deposits to total assets | 80.3325% | 5,856 |
| Equity capital to assets | 11.6065% | 2,190 |
| Core capital (leverage) ratio | 10.9595% | 2,225 |
| Tier 1 risk-based capital ratio | 12.5700% | 5,197 |
| Total risk-based capital ratio | 13.8281% | 5,167 |
| Memoranda: | ||
| Average total assets | $236,462,500 | 2,717 |
| Average earning assets | $227,011,500 | 2,583 |
| Average equity | $27,022,000 | 2,374 |
| Average total loans | $173,654,500 | 2,379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 6,881 |
| Cost of funding earning assets | 0.7165% | 6,834 |
| Net interest margin | 3.5178% | 5,175 |
| Noninterest income to average assets | 0.1482% | 6,647 |
| Noninterest expense to average assets | 2.6350% | 5,273 |
| Loan and lease loss provision to assets | 0.9298% | 1,750 |
| Net operating income to assets | 1.3284% | 1,108 |
| Return on assets (ROA) | 1.4939% | 833 |
| Pretax return on assets | 0.1398% | 5,620 |
| Return on Equity (ROE) | 13.8441% | 918 |
| Retained earnings to average equity (ytd only) | 12.9475% | 211 |
| Net charge-offs to loans | 0.2099% | 5,034 |
| Credit loss provision to net charge-offs | 629.1291% | 338 |
| Earnings coverage of net charge-offs (x) | 6.1171% | 2,436 |
| Efficiency ratio | 74.4545% | 3,307 |
| Assets per employee ($millions) | 7.7279% | 539 |
| Cash dividends to net income (ytd only)* | 6.4765% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 1,455 |
| Loan loss allowance to noncurrent loans | 213.2578% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 5,311 |
| Noncurrent loans to loans | 1.1542% | 4,799 |
| Net loans and leases to total assets | 71.5731% | 2,183 |
| Net loans and leases to deposits | 93.3813% | 1,113 |
| Net loans and leases to core deposits | 114.4001% | 705 |
| Total domestic deposits to total assets | 76.6460% | 6,540 |
| Equity capital to assets | 11.2533% | 2,450 |
| Core capital (leverage) ratio | 10.7341% | 2,358 |
| Tier 1 risk-based capital ratio | 10.7968% | 6,492 |
| Total risk-based capital ratio | 12.0551% | 6,447 |
| Memoranda: | ||
| Average total assets | $225,311,000 | 2,809 |
| Average earning assets | $217,178,600 | 2,662 |
| Average equity | $24,313,600 | 2,624 |
| Average total loans | $158,614,400 | 2,632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 6,997 |
| Cost of funding earning assets | 0.7280% | 6,983 |
| Net interest margin | 3.5479% | 5,116 |
| Noninterest income to average assets | 0.1479% | 6,803 |
| Noninterest expense to average assets | 2.6943% | 4,906 |
| Loan and lease loss provision to assets | 0.7714% | 1,981 |
| Net operating income to assets | 0.1040% | 5,767 |
| Return on assets (ROA) | 0.2140% | 5,632 |
| Pretax return on assets | 0.2146% | 5,697 |
| Return on Equity (ROE) | 2.0068% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.0823% | 5,382 |
| Net charge-offs to loans | 0.0544% | 5,979 |
| Credit loss provision to net charge-offs | 2,036.5079% | 155 |
| Earnings coverage of net charge-offs (x) | 23.1264% | 1,067 |
| Efficiency ratio | 75.4631% | 3,046 |
| Assets per employee ($millions) | 7.8552% | 539 |
| Cash dividends to net income (ytd only)* | 46.0676% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2841% | 1,649 |
| Loan loss allowance to noncurrent loans | 363.2438% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 6,385 |
| Noncurrent loans to loans | 0.6288% | 5,947 |
| Net loans and leases to total assets | 64.4187% | 4,037 |
| Net loans and leases to deposits | 86.0037% | 2,341 |
| Net loans and leases to core deposits | 112.0386% | 932 |
| Total domestic deposits to total assets | 74.9022% | 6,811 |
| Equity capital to assets | 9.6012% | 4,694 |
| Core capital (leverage) ratio | 10.1395% | 3,113 |
| Tier 1 risk-based capital ratio | 10.8015% | 6,544 |
| Total risk-based capital ratio | 12.0575% | 6,528 |
| Memoranda: | ||
| Average total assets | $221,747,500 | 2,887 |
| Average earning assets | $213,902,750 | 2,742 |
| Average equity | $23,652,250 | 2,734 |
| Average total loans | $154,320,250 | 2,742 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 7,044 |
| Cost of funding earning assets | 0.7439% | 7,082 |
| Net interest margin | 3.5626% | 4,989 |
| Noninterest income to average assets | 0.1558% | 6,775 |
| Noninterest expense to average assets | 2.9112% | 4,033 |
| Loan and lease loss provision to assets | 0.6589% | 2,189 |
| Net operating income to assets | 0.0113% | 6,068 |
| Return on assets (ROA) | 0.0113% | 6,170 |
| Pretax return on assets | 0.0123% | 6,135 |
| Return on Equity (ROE) | 0.1022% | 6,167 |
| Retained earnings to average equity (ytd only) | -0.8258% | 5,930 |
| Net charge-offs to loans | 0.0837% | 5,302 |
| Credit loss provision to net charge-offs | 1,107.9365% | 342 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,781 |
| Efficiency ratio | 81.2648% | 2,267 |
| Assets per employee ($millions) | 7.6501% | 580 |
| Cash dividends to net income (ytd only)* | 908.3333% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 2,176 |
| Loan loss allowance to noncurrent loans | 307.6923% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 6,386 |
| Noncurrent loans to loans | 0.6507% | 5,955 |
| Net loans and leases to total assets | 63.9835% | 4,268 |
| Net loans and leases to deposits | 77.5895% | 4,065 |
| Net loans and leases to core deposits | 90.4489% | 3,193 |
| Total domestic deposits to total assets | 82.4642% | 4,796 |
| Equity capital to assets | 9.7442% | 4,347 |
| Core capital (leverage) ratio | 10.4106% | 2,702 |
| Tier 1 risk-based capital ratio | 12.5625% | 4,802 |
| Total risk-based capital ratio | 13.8187% | 4,777 |
| Memoranda: | ||
| Average total assets | $211,875,000 | 3,035 |
| Average earning assets | $203,785,000 | 2,890 |
| Average equity | $23,491,670 | 2,745 |
| Average total loans | $150,523,330 | 2,826 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 6,804 |
| Cost of funding earning assets | 0.7362% | 7,257 |
| Net interest margin | 3.7555% | 3,979 |
| Noninterest income to average assets | 0.1617% | 6,816 |
| Noninterest expense to average assets | 3.1646% | 2,997 |
| Loan and lease loss provision to assets | 1.0378% | 1,193 |
| Net operating income to assets | -0.4401% | 6,793 |
| Return on assets (ROA) | -0.4401% | 6,826 |
| Pretax return on assets | -0.4380% | 6,745 |
| Return on Equity (ROE) | -3.6893% | 6,797 |
| Retained earnings to average equity (ytd only) | -4.6331% | 6,557 |
| Net charge-offs to loans | 0.3894% | 2,878 |
| Credit loss provision to net charge-offs | 357.0423% | 1,138 |
| Earnings coverage of net charge-offs (x) | 2.0634% | 3,509 |
| Efficiency ratio | 84.0674% | 2,012 |
| Assets per employee ($millions) | 6.5686% | 963 |
| Cash dividends to net income (ytd only)* | -25.5814% | 7,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 73.4014% | 2,109 |
| Net loans and leases to deposits | 89.8896% | 1,920 |
| Net loans and leases to core deposits | 98.2489% | 2,318 |
| Total domestic deposits to total assets | 81.6573% | 5,213 |
| Equity capital to assets | 11.8193% | 2,150 |
| Core capital (leverage) ratio | 12.1694% | 1,561 |
| Tier 1 risk-based capital ratio | 13.3942% | 4,049 |
| Total risk-based capital ratio | 14.6499% | 4,010 |
| Memoranda: | ||
| Average total assets | $195,411,500 | 3,281 |
| Average earning assets | $187,456,500 | 3,156 |
| Average equity | $23,310,500 | 2,793 |
| Average total loans | $145,868,500 | 2,967 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 7,517 |
| Cost of funding earning assets | 0.8700% | 7,450 |
| Net interest margin | 3.4827% | 5,027 |
| Noninterest income to average assets | 0.1516% | 6,975 |
| Noninterest expense to average assets | 3.7572% | 1,782 |
| Loan and lease loss provision to assets | 0.7836% | 2,777 |
| Net operating income to assets | -1.0257% | 6,589 |
| Return on assets (ROA) | -0.9589% | 6,552 |
| Pretax return on assets | -0.9583% | 6,387 |
| Return on Equity (ROE) | -6.7123% | 6,362 |
| Retained earnings to average equity (ytd only) | -7.6294% | 6,303 |
| Net charge-offs to loans | 0.0783% | 6,324 |
| Credit loss provision to net charge-offs | 1,380.2198% | 216 |
| Earnings coverage of net charge-offs (x) | -4.2527% | 7,090 |
| Efficiency ratio | 106.8678% | 878 |
| Assets per employee ($millions) | 6.6815% | 910 |
| Cash dividends to net income (ytd only)* | -13.6630% | 7,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.0776% | 2,488 |
| Net loans and leases to deposits | 92.7453% | 1,780 |
| Net loans and leases to core deposits | 116.7674% | 2,240 |
| Total domestic deposits to total assets | 78.7938% | 6,032 |
| Equity capital to assets | 12.0404% | 2,012 |
| Core capital (leverage) ratio | 12.7787% | 1,315 |
| Tier 1 risk-based capital ratio | 13.4237% | 3,869 |
| Total risk-based capital ratio | 14.6779% | 3,815 |
| Memoranda: | ||
| Average total assets | $160,279,800 | 3,771 |
| Average earning assets | $154,823,000 | 3,615 |
| Average equity | $22,898,200 | 2,840 |
| Average total loans | $116,219,800 | 3,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 7,679 |
| Cost of funding earning assets | 0.9049% | 7,551 |
| Net interest margin | 3.3895% | 5,315 |
| Noninterest income to average assets | 0.1413% | 7,170 |
| Noninterest expense to average assets | 3.9479% | 1,357 |
| Loan and lease loss provision to assets | 0.7022% | 2,629 |
| Net operating income to assets | -1.2253% | 6,971 |
| Return on assets (ROA) | -1.1902% | 6,959 |
| Pretax return on assets | -1.1893% | 6,810 |
| Return on Equity (ROE) | -7.9330% | 6,722 |
| Retained earnings to average equity (ytd only) | -8.8457% | 6,690 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2447% | 670 |
| Assets per employee ($millions) | 6.1235% | 1,154 |
| Cash dividends to net income (ytd only)* | -11.5042% | 7,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 2,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.4200% | 3,174 |
| Net loans and leases to deposits | 86.1768% | 3,280 |
| Net loans and leases to core deposits | 107.2441% | 3,566 |
| Total domestic deposits to total assets | 82.8761% | 4,285 |
| Equity capital to assets | 13.2558% | 1,595 |
| Core capital (leverage) ratio | 13.5790% | 1,210 |
| Tier 1 risk-based capital ratio | 14.4812% | 3,289 |
| Total risk-based capital ratio | 15.7599% | 3,217 |
| Memoranda: | ||
| Average total assets | $151,908,750 | 3,950 |
| Average earning assets | $147,195,750 | 3,774 |
| Average equity | $22,790,250 | 2,877 |
| Average total loans | $109,234,000 | 3,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 7,799 |
| Cost of funding earning assets | 0.9462% | 7,629 |
| Net interest margin | 3.3008% | 5,550 |
| Noninterest income to average assets | 0.1242% | 7,359 |
| Noninterest expense to average assets | 4.2860% | 962 |
| Loan and lease loss provision to assets | 0.8022% | 2,086 |
| Net operating income to assets | -1.7579% | 7,347 |
| Return on assets (ROA) | -1.7579% | 7,337 |
| Pretax return on assets | -1.7565% | 7,194 |
| Return on Equity (ROE) | -11.1800% | 7,118 |
| Retained earnings to average equity (ytd only) | -12.0850% | 7,063 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.6432% | 537 |
| Assets per employee ($millions) | 4.8455% | 2,265 |
| Cash dividends to net income (ytd only)* | -8.0952% | 7,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 2,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.5248% | 3,575 |
| Net loans and leases to deposits | 87.5679% | 3,244 |
| Net loans and leases to core deposits | 105.2655% | 3,928 |
| Total domestic deposits to total assets | 80.5374% | 5,257 |
| Equity capital to assets | 15.1004% | 1,011 |
| Core capital (leverage) ratio | 16.0989% | 731 |
| Tier 1 risk-based capital ratio | 15.1001% | 2,980 |
| Total risk-based capital ratio | 16.3828% | 2,902 |
| Memoranda: | ||
| Average total assets | $143,351,000 | 4,109 |
| Average earning assets | $139,299,670 | 3,961 |
| Average equity | $22,540,330 | 2,910 |
| Average total loans | $102,635,670 | 3,948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 7,909 |
| Cost of funding earning assets | 1.0817% | 7,544 |
| Net interest margin | 3.1106% | 6,164 |
| Noninterest income to average assets | 0.1164% | 7,447 |
| Noninterest expense to average assets | 4.5004% | 707 |
| Loan and lease loss provision to assets | 0.2909% | 3,627 |
| Net operating income to assets | -1.6466% | 7,559 |
| Return on assets (ROA) | -1.6466% | 7,559 |
| Pretax return on assets | -1.6466% | 7,422 |
| Return on Equity (ROE) | -10.2427% | 7,378 |
| Retained earnings to average equity (ytd only) | -11.0933% | 7,214 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.1082% | 391 |
| Assets per employee ($millions) | 4.5860% | 2,584 |
| Cash dividends to net income (ytd only)* | -8.3039% | 8,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 2,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.8381% | 3,509 |
| Net loans and leases to deposits | 91.0270% | 2,772 |
| Net loans and leases to core deposits | 102.2440% | 4,313 |
| Total domestic deposits to total assets | 77.8209% | 6,075 |
| Equity capital to assets | 17.3528% | 686 |
| Core capital (leverage) ratio | 17.2901% | 625 |
| Tier 1 risk-based capital ratio | 16.6731% | 2,457 |
| Total risk-based capital ratio | 17.7928% | 2,435 |
| Memoranda: | ||
| Average total assets | $137,498,500 | 4,240 |
| Average earning assets | $133,864,500 | 4,076 |
| Average equity | $22,103,500 | 2,961 |
| Average total loans | $98,289,500 | 4,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 7,960 |
| Cost of funding earning assets | 1.5398% | 7,548 |
| Net interest margin | 3.2086% | 6,340 |
| Noninterest income to average assets | 0.2449% | 6,691 |
| Noninterest expense to average assets | 5.5366% | 491 |
| Loan and lease loss provision to assets | 1.1561% | 1,260 |
| Net operating income to assets | -3.3508% | 7,888 |
| Return on assets (ROA) | -5.2726% | 8,096 |
| Pretax return on assets | -5.2726% | 8,049 |
| Return on Equity (ROE) | -23.3509% | 7,836 |
| Retained earnings to average equity (ytd only) | -23.3509% | 7,771 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.6757% | 292 |
| Assets per employee ($millions) | 4.4328% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 3,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.0204% | 4,011 |
| Net loans and leases to deposits | 87.0690% | 3,935 |
| Net loans and leases to core deposits | 120.5613% | 2,633 |
| Total domestic deposits to total assets | 80.4195% | 4,862 |
| Equity capital to assets | 14.7966% | 1,217 |
| Core capital (leverage) ratio | 15.1878% | 987 |
| Tier 1 risk-based capital ratio | 14.3934% | 3,345 |
| Total risk-based capital ratio | 15.4562% | 3,364 |
| Memoranda: | ||
| Average total assets | $99,646,400 | 5,058 |
| Average earning assets | $96,179,200 | 4,916 |
| Average equity | $22,500,200 | 2,907 |
| Average total loans | $56,096,800 | 5,443 |