Home > Community Bank of Parkersburg > Performance and Condition Ratios
Community Bank of Parkersburg, 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 | 4.6439% | 2,793 |
| Cost of funding earning assets | 0.9696% | 3,372 |
| Net interest margin | 3.6743% | 1,806 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.1565% | 867 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0156% | 2,166 |
| Return on assets (ROA) | 1.0156% | 2,150 |
| Pretax return on assets | 1.0156% | 2,635 |
| Return on Equity (ROE) | 10.6900% | 2,308 |
| Retained earnings to average equity (ytd only) | 0.4453% | 3,960 |
| Net charge-offs to loans | 0.0826% | 1,037 |
| Credit loss provision to net charge-offs | 94.8113% | 1,904 |
| Earnings coverage of net charge-offs (x) | 15.4387% | 2,045 |
| Efficiency ratio | 74.4716% | 1,407 |
| Assets per employee ($millions) | 4.5763% | 3,907 |
| Cash dividends to net income (ytd only)* | 95.8333% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 4,059 |
| Loan loss allowance to noncurrent loans | 140.2728% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 1,221 |
| Noncurrent loans to loans | 0.5313% | 1,463 |
| Net loans and leases to total assets | 83.6200% | 301 |
| Net loans and leases to deposits | 105.1419% | 318 |
| Net loans and leases to core deposits | 115.8397% | 748 |
| Total domestic deposits to total assets | 79.5300% | 3,534 |
| Equity capital to assets | 9.3085% | 2,483 |
| Core capital (leverage) ratio | 9.9761% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $302,483,800 | 2,418 |
| Average earning assets | $288,572,000 | 2,358 |
| Average equity | $28,743,000 | 2,331 |
| Average total loans | $256,785,600 | 1,970 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 2,778 |
| Cost of funding earning assets | 0.7962% | 3,529 |
| Net interest margin | 3.7635% | 1,664 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 3.1509% | 870 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1193% | 1,992 |
| Return on assets (ROA) | 1.1193% | 1,976 |
| Pretax return on assets | 1.1193% | 2,507 |
| Return on Equity (ROE) | 11.7200% | 2,199 |
| Retained earnings to average equity (ytd only) | 1.3107% | 3,887 |
| Net charge-offs to loans | 0.0219% | 1,663 |
| Credit loss provision to net charge-offs | 304.7619% | 878 |
| Earnings coverage of net charge-offs (x) | 63.0714% | 1,176 |
| Efficiency ratio | 72.8196% | 1,471 |
| Assets per employee ($millions) | 4.6931% | 3,821 |
| Cash dividends to net income (ytd only)* | 88.8140% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,005 |
| Loan loss allowance to noncurrent loans | 185.8824% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 1,574 |
| Noncurrent loans to loans | 0.4242% | 1,767 |
| Net loans and leases to total assets | 83.4300% | 333 |
| Net loans and leases to deposits | 104.7943% | 328 |
| Net loans and leases to core deposits | 114.1985% | 720 |
| Total domestic deposits to total assets | 79.6200% | 3,583 |
| Equity capital to assets | 9.1375% | 2,336 |
| Core capital (leverage) ratio | 10.2072% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $300,307,750 | 2,431 |
| Average earning assets | $286,536,500 | 2,376 |
| Average equity | $28,687,000 | 2,311 |
| Average total loans | $255,438,500 | 1,978 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 2,669 |
| Cost of funding earning assets | 0.6646% | 3,593 |
| Net interest margin | 3.8237% | 1,574 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.1612% | 829 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1650% | 1,933 |
| Return on assets (ROA) | 1.1650% | 1,927 |
| Pretax return on assets | 1.1650% | 2,464 |
| Return on Equity (ROE) | 12.0100% | 2,154 |
| Retained earnings to average equity (ytd only) | 1.7144% | 3,781 |
| Net charge-offs to loans | 0.0158% | 1,611 |
| Credit loss provision to net charge-offs | 405.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 90.6000% | 990 |
| Efficiency ratio | 72.1616% | 1,536 |
| Assets per employee ($millions) | 4.4267% | 3,997 |
| Cash dividends to net income (ytd only)* | 85.7308% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,061 |
| Loan loss allowance to noncurrent loans | 186.6480% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 1,485 |
| Noncurrent loans to loans | 0.4186% | 1,676 |
| Net loans and leases to total assets | 83.1100% | 323 |
| Net loans and leases to deposits | 104.6823% | 347 |
| Net loans and leases to core deposits | 108.7732% | 875 |
| Total domestic deposits to total assets | 79.3900% | 3,669 |
| Equity capital to assets | 9.4436% | 2,194 |
| Core capital (leverage) ratio | 10.3135% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $297,162,333 | 2,452 |
| Average earning assets | $284,381,667 | 2,400 |
| Average equity | $28,815,000 | 2,319 |
| Average total loans | $253,757,000 | 1,988 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 2,471 |
| Cost of funding earning assets | 0.5781% | 3,451 |
| Net interest margin | 3.8505% | 1,578 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.1028% | 928 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2054% | 1,917 |
| Return on assets (ROA) | 1.2054% | 1,875 |
| Pretax return on assets | 1.2054% | 2,409 |
| Return on Equity (ROE) | 12.2600% | 2,152 |
| Retained earnings to average equity (ytd only) | 2.7500% | 3,560 |
| Net charge-offs to loans | 0.0079% | 1,650 |
| Credit loss provision to net charge-offs | 820.0000% | 408 |
| Earnings coverage of net charge-offs (x) | 184.8000% | 530 |
| Efficiency ratio | 71.0979% | 1,627 |
| Assets per employee ($millions) | 4.8200% | 3,781 |
| Cash dividends to net income (ytd only)* | 77.5764% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 4,101 |
| Loan loss allowance to noncurrent loans | 161.1821% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 1,187 |
| Noncurrent loans to loans | 0.4925% | 1,487 |
| Net loans and leases to total assets | 85.7700% | 142 |
| Net loans and leases to deposits | 106.9747% | 229 |
| Net loans and leases to core deposits | 110.4507% | 689 |
| Total domestic deposits to total assets | 80.1800% | 3,739 |
| Equity capital to assets | 9.8516% | 1,902 |
| Core capital (leverage) ratio | 10.3778% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $293,021,000 | 2,503 |
| Average earning assets | $280,900,000 | 2,449 |
| Average equity | $28,800,000 | 2,343 |
| Average total loans | $252,714,500 | 2,010 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 1,254 |
| Cost of funding earning assets | 0.2376% | 3,436 |
| Net interest margin | 3.9609% | 839 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 3.0681% | 875 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3014% | 1,421 |
| Return on assets (ROA) | 1.3014% | 1,385 |
| Pretax return on assets | 1.3014% | 2,080 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 2.8950% | 3,751 |
| Net charge-offs to loans | 0.0477% | 1,208 |
| Credit loss provision to net charge-offs | 162.9310% | 1,251 |
| Earnings coverage of net charge-offs (x) | 33.6724% | 1,618 |
| Efficiency ratio | 69.1688% | 1,803 |
| Assets per employee ($millions) | 4.5628% | 3,991 |
| Cash dividends to net income (ytd only)* | 77.7509% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,060 |
| Loan loss allowance to noncurrent loans | 140.6671% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 1,013 |
| Noncurrent loans to loans | 0.5608% | 1,325 |
| Net loans and leases to total assets | 85.3500% | 195 |
| Net loans and leases to deposits | 103.9764% | 300 |
| Net loans and leases to core deposits | 107.0175% | 712 |
| Total domestic deposits to total assets | 82.0900% | 3,615 |
| Equity capital to assets | 9.8055% | 1,822 |
| Core capital (leverage) ratio | 10.2459% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $285,615,800 | 2,525 |
| Average earning assets | $273,145,400 | 2,478 |
| Average equity | $28,566,200 | 2,402 |
| Average total loans | $243,296,000 | 1,982 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 1,053 |
| Cost of funding earning assets | 0.1696% | 3,632 |
| Net interest margin | 3.9388% | 725 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.0880% | 807 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2539% | 1,511 |
| Return on assets (ROA) | 1.2539% | 1,482 |
| Pretax return on assets | 1.2539% | 2,195 |
| Return on Equity (ROE) | 12.4700% | 1,882 |
| Retained earnings to average equity (ytd only) | 2.1296% | 3,997 |
| Net charge-offs to loans | 0.0276% | 1,271 |
| Credit loss provision to net charge-offs | 276.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 56.1800% | 1,221 |
| Efficiency ratio | 70.0756% | 1,756 |
| Assets per employee ($millions) | 4.7087% | 3,904 |
| Cash dividends to net income (ytd only)* | 82.9277% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,093 |
| Loan loss allowance to noncurrent loans | 156.7504% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 1,188 |
| Noncurrent loans to loans | 0.5099% | 1,524 |
| Net loans and leases to total assets | 84.9100% | 191 |
| Net loans and leases to deposits | 105.0763% | 207 |
| Net loans and leases to core deposits | 107.6768% | 543 |
| Total domestic deposits to total assets | 80.8000% | 4,015 |
| Equity capital to assets | 9.4660% | 1,904 |
| Core capital (leverage) ratio | 10.4622% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $284,015,000 | 2,554 |
| Average earning assets | $271,274,750 | 2,507 |
| Average equity | $28,549,250 | 2,434 |
| Average total loans | $241,312,250 | 1,989 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 844 |
| Cost of funding earning assets | 0.1190% | 3,976 |
| Net interest margin | 3.9379% | 569 |
| Noninterest income to average assets | 0.6610% | 1,495 |
| Noninterest expense to average assets | 3.1339% | 693 |
| Loan and lease loss provision to assets | 0.0618% | 1,485 |
| Net operating income to assets | 1.2290% | 1,331 |
| Return on assets (ROA) | 1.2290% | 1,316 |
| Pretax return on assets | 1.2290% | 1,965 |
| Return on Equity (ROE) | 11.9845% | 1,673 |
| Retained earnings to average equity (ytd only) | 1.2061% | 3,947 |
| Net charge-offs to loans | 0.0394% | 992 |
| Credit loss provision to net charge-offs | 185.1064% | 1,006 |
| Earnings coverage of net charge-offs (x) | 38.6383% | 1,276 |
| Efficiency ratio | 70.8273% | 1,848 |
| Assets per employee ($millions) | 4.6644% | 3,962 |
| Cash dividends to net income (ytd only)* | 89.9364% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 4,180 |
| Loan loss allowance to noncurrent loans | 384.4181% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 2,352 |
| Noncurrent loans to loans | 0.2073% | 2,677 |
| Net loans and leases to total assets | 85.2747% | 117 |
| Net loans and leases to deposits | 106.5919% | 127 |
| Net loans and leases to core deposits | 108.0766% | 395 |
| Total domestic deposits to total assets | 80.0011% | 4,229 |
| Equity capital to assets | 9.9332% | 1,745 |
| Core capital (leverage) ratio | 10.5631% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,373,667 | 2,579 |
| Average earning assets | $268,924,333 | 2,546 |
| Average equity | $28,854,000 | 2,474 |
| Average total loans | $238,459,667 | 2,007 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 853 |
| Cost of funding earning assets | 0.1093% | 4,029 |
| Net interest margin | 3.8384% | 587 |
| Noninterest income to average assets | 0.6619% | 1,444 |
| Noninterest expense to average assets | 3.1566% | 645 |
| Loan and lease loss provision to assets | 0.0515% | 1,455 |
| Net operating income to assets | 1.1180% | 1,483 |
| Return on assets (ROA) | 1.1180% | 1,474 |
| Pretax return on assets | 1.1180% | 2,084 |
| Return on Equity (ROE) | 10.7309% | 1,717 |
| Retained earnings to average equity (ytd only) | -1.5506% | 4,206 |
| Net charge-offs to loans | 0.0714% | 638 |
| Credit loss provision to net charge-offs | 85.7143% | 1,095 |
| Earnings coverage of net charge-offs (x) | 19.4762% | 1,287 |
| Efficiency ratio | 72.9676% | 1,860 |
| Assets per employee ($millions) | 4.3633% | 4,222 |
| Cash dividends to net income (ytd only)* | 114.4501% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,224 |
| Loan loss allowance to noncurrent loans | 225.2071% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 1,829 |
| Noncurrent loans to loans | 0.3601% | 2,190 |
| Net loans and leases to total assets | 83.3385% | 108 |
| Net loans and leases to deposits | 100.4979% | 164 |
| Net loans and leases to core deposits | 102.0957% | 443 |
| Total domestic deposits to total assets | 82.9256% | 3,955 |
| Equity capital to assets | 10.2006% | 1,760 |
| Core capital (leverage) ratio | 10.5165% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,795,500 | 2,602 |
| Average earning assets | $267,088,500 | 2,571 |
| Average equity | $29,149,500 | 2,531 |
| Average total loans | $235,399,000 | 2,018 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 1,017 |
| Cost of funding earning assets | 0.1748% | 3,716 |
| Net interest margin | 4.0102% | 693 |
| Noninterest income to average assets | 0.6428% | 1,978 |
| Noninterest expense to average assets | 3.0520% | 913 |
| Loan and lease loss provision to assets | 0.0795% | 1,542 |
| Net operating income to assets | 1.3524% | 1,432 |
| Return on assets (ROA) | 1.3524% | 1,474 |
| Pretax return on assets | 1.3524% | 2,195 |
| Return on Equity (ROE) | 12.5526% | 1,628 |
| Retained earnings to average equity (ytd only) | 3.4179% | 3,450 |
| Net charge-offs to loans | 0.0687% | 1,107 |
| Credit loss provision to net charge-offs | 138.6076% | 1,540 |
| Earnings coverage of net charge-offs (x) | 24.9557% | 1,734 |
| Efficiency ratio | 68.0651% | 1,966 |
| Assets per employee ($millions) | 4.7516% | 3,928 |
| Cash dividends to net income (ytd only)* | 72.7712% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,254 |
| Loan loss allowance to noncurrent loans | 199.4775% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 1,861 |
| Noncurrent loans to loans | 0.4052% | 2,143 |
| Net loans and leases to total assets | 83.5636% | 127 |
| Net loans and leases to deposits | 98.3695% | 239 |
| Net loans and leases to core deposits | 100.1835% | 528 |
| Total domestic deposits to total assets | 84.9487% | 3,286 |
| Equity capital to assets | 10.6349% | 2,060 |
| Core capital (leverage) ratio | 10.7234% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,359,200 | 2,570 |
| Average earning assets | $263,750,600 | 2,531 |
| Average equity | $29,667,200 | 2,558 |
| Average total loans | $230,063,600 | 2,049 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 1,102 |
| Cost of funding earning assets | 0.1940% | 3,677 |
| Net interest margin | 4.0107% | 779 |
| Noninterest income to average assets | 0.6751% | 1,910 |
| Noninterest expense to average assets | 3.0026% | 968 |
| Loan and lease loss provision to assets | 0.0890% | 1,340 |
| Net operating income to assets | 1.4359% | 1,423 |
| Return on assets (ROA) | 1.4359% | 1,491 |
| Pretax return on assets | 1.4359% | 2,190 |
| Return on Equity (ROE) | 13.2833% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,543 |
| Net charge-offs to loans | 0.0128% | 1,855 |
| Credit loss provision to net charge-offs | 831.8182% | 576 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 700 |
| Efficiency ratio | 66.3193% | 2,059 |
| Assets per employee ($millions) | 4.6492% | 4,006 |
| Cash dividends to net income (ytd only)* | 69.1057% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,195 |
| Loan loss allowance to noncurrent loans | 290.3179% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 2,490 |
| Noncurrent loans to loans | 0.3042% | 2,705 |
| Net loans and leases to total assets | 83.6024% | 126 |
| Net loans and leases to deposits | 98.5862% | 259 |
| Net loans and leases to core deposits | 100.7504% | 563 |
| Total domestic deposits to total assets | 84.8013% | 3,178 |
| Equity capital to assets | 11.1005% | 1,946 |
| Core capital (leverage) ratio | 10.7770% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,113,500 | 2,598 |
| Average earning assets | $263,288,750 | 2,550 |
| Average equity | $29,630,500 | 2,591 |
| Average total loans | $228,536,250 | 2,094 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 1,137 |
| Cost of funding earning assets | 0.2187% | 3,567 |
| Net interest margin | 4.0093% | 804 |
| Noninterest income to average assets | 0.6509% | 2,005 |
| Noninterest expense to average assets | 2.9122% | 1,127 |
| Loan and lease loss provision to assets | 0.1067% | 1,175 |
| Net operating income to assets | 1.4761% | 1,360 |
| Return on assets (ROA) | 1.4761% | 1,418 |
| Pretax return on assets | 1.4761% | 2,093 |
| Return on Equity (ROE) | 13.7760% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.5649% | 3,339 |
| Net charge-offs to loans | 0.0157% | 1,633 |
| Credit loss provision to net charge-offs | 816.6667% | 535 |
| Earnings coverage of net charge-offs (x) | 121.1667% | 665 |
| Efficiency ratio | 64.7885% | 2,326 |
| Assets per employee ($millions) | 4.5070% | 4,102 |
| Cash dividends to net income (ytd only)* | 66.8633% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,236 |
| Loan loss allowance to noncurrent loans | 816.9421% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,618 |
| Noncurrent loans to loans | 0.1065% | 3,656 |
| Net loans and leases to total assets | 81.9290% | 223 |
| Net loans and leases to deposits | 98.6130% | 294 |
| Net loans and leases to core deposits | 101.3284% | 619 |
| Total domestic deposits to total assets | 83.0813% | 3,687 |
| Equity capital to assets | 10.8294% | 2,121 |
| Core capital (leverage) ratio | 10.6110% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,599,667 | 2,575 |
| Average earning assets | $264,234,667 | 2,542 |
| Average equity | $29,529,667 | 2,599 |
| Average total loans | $228,899,333 | 2,102 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 1,111 |
| Cost of funding earning assets | 0.2649% | 3,333 |
| Net interest margin | 3.9892% | 858 |
| Noninterest income to average assets | 0.6291% | 2,094 |
| Noninterest expense to average assets | 2.9079% | 1,139 |
| Loan and lease loss provision to assets | 0.1174% | 1,166 |
| Net operating income to assets | 1.4235% | 1,515 |
| Return on assets (ROA) | 1.4235% | 1,586 |
| Pretax return on assets | 1.4235% | 2,215 |
| Return on Equity (ROE) | 13.3569% | 1,576 |
| Retained earnings to average equity (ytd only) | 4.1077% | 3,474 |
| Net charge-offs to loans | 0.0174% | 1,403 |
| Credit loss provision to net charge-offs | 810.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 106.3000% | 597 |
| Efficiency ratio | 65.3633% | 2,324 |
| Assets per employee ($millions) | 4.3790% | 4,211 |
| Cash dividends to net income (ytd only)* | 69.2464% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 4,333 |
| Loan loss allowance to noncurrent loans | 1,314.3836% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,998 |
| Noncurrent loans to loans | 0.0636% | 3,970 |
| Net loans and leases to total assets | 82.5533% | 202 |
| Net loans and leases to deposits | 102.3361% | 234 |
| Net loans and leases to core deposits | 105.2265% | 537 |
| Total domestic deposits to total assets | 80.6688% | 4,108 |
| Equity capital to assets | 10.6731% | 2,111 |
| Core capital (leverage) ratio | 10.5359% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,936,000 | 2,566 |
| Average earning assets | $264,215,500 | 2,527 |
| Average equity | $29,408,000 | 2,593 |
| Average total loans | $229,738,000 | 2,095 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 1,186 |
| Cost of funding earning assets | 0.4484% | 3,292 |
| Net interest margin | 4.1045% | 776 |
| Noninterest income to average assets | 0.6807% | 1,925 |
| Noninterest expense to average assets | 3.1165% | 1,196 |
| Loan and lease loss provision to assets | 0.1494% | 2,504 |
| Net operating income to assets | 1.3208% | 1,199 |
| Return on assets (ROA) | 1.3208% | 1,297 |
| Pretax return on assets | 1.3208% | 1,912 |
| Return on Equity (ROE) | 12.2332% | 1,254 |
| Retained earnings to average equity (ytd only) | 3.1716% | 3,249 |
| Net charge-offs to loans | -0.0032% | 4,043 |
| Credit loss provision to net charge-offs | -5,671.4286% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9465% | 2,243 |
| Assets per employee ($millions) | 4.2460% | 4,180 |
| Cash dividends to net income (ytd only)* | 74.0741% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 4,419 |
| Loan loss allowance to noncurrent loans | 1,539.1667% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,132 |
| Noncurrent loans to loans | 0.0522% | 4,084 |
| Net loans and leases to total assets | 82.5973% | 255 |
| Net loans and leases to deposits | 106.9245% | 212 |
| Net loans and leases to core deposits | 110.1287% | 505 |
| Total domestic deposits to total assets | 77.2483% | 4,386 |
| Equity capital to assets | 10.6420% | 2,563 |
| Core capital (leverage) ratio | 10.5630% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,747,400 | 2,484 |
| Average earning assets | $252,895,400 | 2,453 |
| Average equity | $28,692,400 | 2,554 |
| Average total loans | $222,201,200 | 2,095 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,407 |
| Cost of funding earning assets | 0.4994% | 3,231 |
| Net interest margin | 4.0676% | 955 |
| Noninterest income to average assets | 0.6793% | 1,858 |
| Noninterest expense to average assets | 3.1455% | 1,159 |
| Loan and lease loss provision to assets | 0.1387% | 2,629 |
| Net operating income to assets | 1.2614% | 1,446 |
| Return on assets (ROA) | 1.2614% | 1,560 |
| Pretax return on assets | 1.2614% | 2,188 |
| Return on Equity (ROE) | 11.6395% | 1,468 |
| Retained earnings to average equity (ytd only) | 2.5242% | 3,727 |
| Net charge-offs to loans | -0.0042% | 4,017 |
| Credit loss provision to net charge-offs | -3,914.2857% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1965% | 2,004 |
| Assets per employee ($millions) | 4.3262% | 4,020 |
| Cash dividends to net income (ytd only)* | 78.3133% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,480 |
| Loan loss allowance to noncurrent loans | 1,461.8644% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,232 |
| Noncurrent loans to loans | 0.0514% | 4,167 |
| Net loans and leases to total assets | 83.6011% | 314 |
| Net loans and leases to deposits | 111.6751% | 200 |
| Net loans and leases to core deposits | 115.1680% | 519 |
| Total domestic deposits to total assets | 74.8609% | 4,512 |
| Equity capital to assets | 10.6620% | 2,661 |
| Core capital (leverage) ratio | 10.7282% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,186,250 | 2,486 |
| Average earning assets | $250,163,500 | 2,448 |
| Average equity | $28,522,750 | 2,558 |
| Average total loans | $220,299,250 | 2,105 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 1,607 |
| Cost of funding earning assets | 0.5607% | 3,175 |
| Net interest margin | 4.0575% | 1,202 |
| Noninterest income to average assets | 0.6752% | 1,833 |
| Noninterest expense to average assets | 3.2207% | 1,122 |
| Loan and lease loss provision to assets | 0.1230% | 2,799 |
| Net operating income to assets | 1.1882% | 1,675 |
| Return on assets (ROA) | 1.1882% | 1,807 |
| Pretax return on assets | 1.1882% | 2,400 |
| Return on Equity (ROE) | 10.9018% | 1,664 |
| Retained earnings to average equity (ytd only) | 1.7288% | 3,862 |
| Net charge-offs to loans | 0.0175% | 2,377 |
| Credit loss provision to net charge-offs | 842.1053% | 883 |
| Earnings coverage of net charge-offs (x) | 89.7368% | 752 |
| Efficiency ratio | 71.0674% | 1,814 |
| Assets per employee ($millions) | 4.6071% | 3,640 |
| Cash dividends to net income (ytd only)* | 84.1424% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,564 |
| Loan loss allowance to noncurrent loans | 1,299.1803% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,307 |
| Noncurrent loans to loans | 0.0539% | 4,268 |
| Net loans and leases to total assets | 84.1214% | 242 |
| Net loans and leases to deposits | 111.0930% | 211 |
| Net loans and leases to core deposits | 114.6509% | 578 |
| Total domestic deposits to total assets | 75.7216% | 4,454 |
| Equity capital to assets | 10.7788% | 2,508 |
| Core capital (leverage) ratio | 10.7113% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,065,667 | 2,476 |
| Average earning assets | $247,197,000 | 2,437 |
| Average equity | $28,344,000 | 2,563 |
| Average total loans | $217,206,333 | 2,107 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,726 |
| Cost of funding earning assets | 0.6930% | 2,967 |
| Net interest margin | 4.0019% | 1,392 |
| Noninterest income to average assets | 0.6659% | 1,781 |
| Noninterest expense to average assets | 3.3170% | 1,190 |
| Loan and lease loss provision to assets | 0.0764% | 2,767 |
| Net operating income to assets | 1.0636% | 1,954 |
| Return on assets (ROA) | 1.0636% | 2,060 |
| Pretax return on assets | 1.0636% | 2,627 |
| Return on Equity (ROE) | 9.7030% | 1,841 |
| Retained earnings to average equity (ytd only) | 0.4553% | 3,892 |
| Net charge-offs to loans | 0.0132% | 2,124 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 104.4286% | 563 |
| Efficiency ratio | 74.4227% | 1,762 |
| Assets per employee ($millions) | 4.1471% | 3,724 |
| Cash dividends to net income (ytd only)* | 95.3079% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 4,605 |
| Loan loss allowance to noncurrent loans | 1,170.0787% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,350 |
| Noncurrent loans to loans | 0.0598% | 4,310 |
| Net loans and leases to total assets | 82.0122% | 435 |
| Net loans and leases to deposits | 112.5469% | 156 |
| Net loans and leases to core deposits | 116.3242% | 579 |
| Total domestic deposits to total assets | 72.8694% | 4,733 |
| Equity capital to assets | 11.0486% | 2,818 |
| Core capital (leverage) ratio | 10.7591% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,494,000 | 2,454 |
| Average earning assets | $242,986,500 | 2,424 |
| Average equity | $28,115,000 | 2,569 |
| Average total loans | $212,627,000 | 2,107 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 1,921 |
| Cost of funding earning assets | 0.7539% | 2,896 |
| Net interest margin | 4.0878% | 1,577 |
| Noninterest income to average assets | 0.7141% | 1,761 |
| Noninterest expense to average assets | 3.2733% | 1,352 |
| Loan and lease loss provision to assets | 0.0502% | 3,018 |
| Net operating income to assets | 1.2710% | 1,799 |
| Return on assets (ROA) | 1.2934% | 1,796 |
| Pretax return on assets | 1.2934% | 2,525 |
| Return on Equity (ROE) | 11.8989% | 1,552 |
| Retained earnings to average equity (ytd only) | 1.7936% | 4,085 |
| Net charge-offs to loans | 0.0216% | 2,984 |
| Credit loss provision to net charge-offs | 280.0000% | 1,002 |
| Earnings coverage of net charge-offs (x) | 73.6444% | 848 |
| Efficiency ratio | 71.2426% | 1,982 |
| Assets per employee ($millions) | 4.4889% | 3,237 |
| Cash dividends to net income (ytd only)* | 84.9260% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 4,611 |
| Loan loss allowance to noncurrent loans | 859.5238% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,296 |
| Noncurrent loans to loans | 0.0789% | 4,209 |
| Net loans and leases to total assets | 82.6419% | 470 |
| Net loans and leases to deposits | 112.6300% | 149 |
| Net loans and leases to core deposits | 117.2769% | 554 |
| Total domestic deposits to total assets | 73.3747% | 4,803 |
| Equity capital to assets | 10.8735% | 3,116 |
| Core capital (leverage) ratio | 10.8385% | 2,647 |
| Tier 1 risk-based capital ratio | 17.0243% | 2,043 |
| Total risk-based capital ratio | 17.9241% | 2,097 |
| Memoranda: | ||
| Average total assets | $250,818,600 | 2,456 |
| Average earning assets | $238,101,600 | 2,421 |
| Average equity | $27,263,000 | 2,543 |
| Average total loans | $207,958,600 | 2,105 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 2,117 |
| Cost of funding earning assets | 0.7597% | 2,921 |
| Net interest margin | 4.0408% | 1,801 |
| Noninterest income to average assets | 0.7175% | 1,712 |
| Noninterest expense to average assets | 3.2740% | 1,322 |
| Loan and lease loss provision to assets | 0.0465% | 2,969 |
| Net operating income to assets | 1.2336% | 2,086 |
| Return on assets (ROA) | 1.2635% | 2,051 |
| Pretax return on assets | 1.2635% | 2,777 |
| Return on Equity (ROE) | 11.6256% | 1,748 |
| Retained earnings to average equity (ytd only) | 1.2781% | 4,495 |
| Net charge-offs to loans | -0.0071% | 4,293 |
| Credit loss provision to net charge-offs | -790.9091% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8911% | 1,852 |
| Assets per employee ($millions) | 4.1519% | 3,688 |
| Cash dividends to net income (ytd only)* | 89.0066% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6916% | 4,677 |
| Loan loss allowance to noncurrent loans | 661.0860% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 4,279 |
| Noncurrent loans to loans | 0.1046% | 4,170 |
| Net loans and leases to total assets | 82.8308% | 482 |
| Net loans and leases to deposits | 113.1515% | 150 |
| Net loans and leases to core deposits | 117.6137% | 608 |
| Total domestic deposits to total assets | 73.2035% | 4,855 |
| Equity capital to assets | 10.9568% | 3,137 |
| Core capital (leverage) ratio | 10.8433% | 2,794 |
| Tier 1 risk-based capital ratio | 16.8816% | 2,123 |
| Total risk-based capital ratio | 17.7919% | 2,184 |
| Memoranda: | ||
| Average total assets | $249,556,000 | 2,485 |
| Average earning assets | $236,942,750 | 2,442 |
| Average equity | $27,123,250 | 2,565 |
| Average total loans | $206,723,500 | 2,133 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 2,077 |
| Cost of funding earning assets | 0.7564% | 2,867 |
| Net interest margin | 4.0371% | 1,807 |
| Noninterest income to average assets | 0.7192% | 1,636 |
| Noninterest expense to average assets | 3.3062% | 1,271 |
| Loan and lease loss provision to assets | 0.0628% | 2,564 |
| Net operating income to assets | 1.1888% | 2,189 |
| Return on assets (ROA) | 1.2339% | 2,083 |
| Pretax return on assets | 1.2339% | 2,805 |
| Return on Equity (ROE) | 11.3843% | 1,831 |
| Retained earnings to average equity (ytd only) | 0.5722% | 4,546 |
| Net charge-offs to loans | -0.0302% | 4,682 |
| Credit loss provision to net charge-offs | -251.6129% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5393% | 1,835 |
| Assets per employee ($millions) | 3.8481% | 4,067 |
| Cash dividends to net income (ytd only)* | 94.9739% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 4,685 |
| Loan loss allowance to noncurrent loans | 379.1237% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 3,986 |
| Noncurrent loans to loans | 0.1879% | 3,880 |
| Net loans and leases to total assets | 81.9494% | 619 |
| Net loans and leases to deposits | 110.2911% | 209 |
| Net loans and leases to core deposits | 114.4561% | 761 |
| Total domestic deposits to total assets | 74.3028% | 4,811 |
| Equity capital to assets | 10.9329% | 3,145 |
| Core capital (leverage) ratio | 10.8524% | 2,739 |
| Tier 1 risk-based capital ratio | 17.2050% | 2,028 |
| Total risk-based capital ratio | 18.1454% | 2,060 |
| Memoranda: | ||
| Average total assets | $248,318,670 | 2,502 |
| Average earning assets | $236,112,670 | 2,453 |
| Average equity | $26,914,330 | 2,572 |
| Average total loans | $205,216,330 | 2,153 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 2,291 |
| Cost of funding earning assets | 0.7411% | 2,828 |
| Net interest margin | 3.9402% | 2,063 |
| Noninterest income to average assets | 0.7291% | 1,511 |
| Noninterest expense to average assets | 3.2367% | 1,415 |
| Loan and lease loss provision to assets | 0.0631% | 2,401 |
| Net operating income to assets | 1.1770% | 2,145 |
| Return on assets (ROA) | 1.2578% | 1,904 |
| Pretax return on assets | 1.2578% | 2,597 |
| Return on Equity (ROE) | 11.6561% | 1,674 |
| Retained earnings to average equity (ytd only) | -0.2547% | 4,569 |
| Net charge-offs to loans | 0.0059% | 2,493 |
| Credit loss provision to net charge-offs | 1,300.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 255.6667% | 316 |
| Efficiency ratio | 72.3005% | 1,990 |
| Assets per employee ($millions) | 3.9106% | 4,055 |
| Cash dividends to net income (ytd only)* | 102.1851% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 4,805 |
| Loan loss allowance to noncurrent loans | 292.6778% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 2,734 |
| Noncurrent loans to loans | 0.2329% | 3,742 |
| Net loans and leases to total assets | 81.4433% | 650 |
| Net loans and leases to deposits | 110.7283% | 201 |
| Net loans and leases to core deposits | 113.6446% | 754 |
| Total domestic deposits to total assets | 73.5524% | 4,965 |
| Equity capital to assets | 10.7409% | 3,114 |
| Core capital (leverage) ratio | 10.8967% | 2,667 |
| Tier 1 risk-based capital ratio | 17.2554% | 2,034 |
| Total risk-based capital ratio | 18.1549% | 2,084 |
| Memoranda: | ||
| Average total assets | $247,415,500 | 2,532 |
| Average earning assets | $235,319,500 | 2,488 |
| Average equity | $26,698,500 | 2,592 |
| Average total loans | $204,601,000 | 2,179 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,303 |
| Cost of funding earning assets | 0.5115% | 3,278 |
| Net interest margin | 4.0361% | 1,863 |
| Noninterest income to average assets | 0.7796% | 1,528 |
| Noninterest expense to average assets | 3.2022% | 1,547 |
| Loan and lease loss provision to assets | 0.0654% | 2,844 |
| Net operating income to assets | 1.3661% | 1,547 |
| Return on assets (ROA) | 1.3661% | 1,535 |
| Pretax return on assets | 1.3661% | 2,256 |
| Return on Equity (ROE) | 12.4837% | 1,553 |
| Retained earnings to average equity (ytd only) | 2.4730% | 4,152 |
| Net charge-offs to loans | 0.0196% | 3,044 |
| Credit loss provision to net charge-offs | 410.5263% | 810 |
| Earnings coverage of net charge-offs (x) | 89.9211% | 794 |
| Efficiency ratio | 69.1077% | 2,366 |
| Assets per employee ($millions) | 4.0091% | 3,884 |
| Cash dividends to net income (ytd only)* | 80.1901% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,870 |
| Loan loss allowance to noncurrent loans | 248.9945% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 2,548 |
| Noncurrent loans to loans | 0.2682% | 3,617 |
| Net loans and leases to total assets | 82.8476% | 536 |
| Net loans and leases to deposits | 115.6650% | 148 |
| Net loans and leases to core deposits | 118.7293% | 593 |
| Total domestic deposits to total assets | 71.6272% | 5,095 |
| Equity capital to assets | 10.8421% | 2,851 |
| Core capital (leverage) ratio | 11.1247% | 2,420 |
| Tier 1 risk-based capital ratio | 17.4006% | 1,920 |
| Total risk-based capital ratio | 18.2838% | 1,997 |
| Memoranda: | ||
| Average total assets | $238,712,400 | 2,554 |
| Average earning assets | $227,940,200 | 2,495 |
| Average equity | $26,122,000 | 2,562 |
| Average total loans | $194,261,800 | 2,217 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 2,364 |
| Cost of funding earning assets | 0.4669% | 3,410 |
| Net interest margin | 4.0135% | 1,916 |
| Noninterest income to average assets | 0.7705% | 1,578 |
| Noninterest expense to average assets | 3.1875% | 1,554 |
| Loan and lease loss provision to assets | 0.0658% | 2,660 |
| Net operating income to assets | 1.3532% | 1,648 |
| Return on assets (ROA) | 1.3532% | 1,658 |
| Pretax return on assets | 1.3532% | 2,412 |
| Return on Equity (ROE) | 12.3372% | 1,664 |
| Retained earnings to average equity (ytd only) | 2.3260% | 4,462 |
| Net charge-offs to loans | 0.0104% | 3,053 |
| Credit loss provision to net charge-offs | 780.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 168.3290% | 497 |
| Efficiency ratio | 69.1960% | 2,322 |
| Assets per employee ($millions) | 3.9447% | 3,977 |
| Cash dividends to net income (ytd only)* | 81.1461% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 4,895 |
| Loan loss allowance to noncurrent loans | 152.5481% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 2,195 |
| Noncurrent loans to loans | 0.4511% | 3,037 |
| Net loans and leases to total assets | 82.1368% | 691 |
| Net loans and leases to deposits | 110.9593% | 264 |
| Net loans and leases to core deposits | 114.0260% | 816 |
| Total domestic deposits to total assets | 74.0242% | 4,976 |
| Equity capital to assets | 10.9958% | 2,671 |
| Core capital (leverage) ratio | 11.2559% | 2,376 |
| Tier 1 risk-based capital ratio | 18.0550% | 1,775 |
| Total risk-based capital ratio | 18.9678% | 1,822 |
| Memoranda: | ||
| Average total assets | $237,251,750 | 2,574 |
| Average earning assets | $226,761,500 | 2,518 |
| Average equity | $26,023,750 | 2,580 |
| Average total loans | $191,834,750 | 2,243 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,396 |
| Cost of funding earning assets | 0.4420% | 3,412 |
| Net interest margin | 3.9632% | 1,988 |
| Noninterest income to average assets | 0.7488% | 1,651 |
| Noninterest expense to average assets | 3.1764% | 1,597 |
| Loan and lease loss provision to assets | 0.0657% | 2,585 |
| Net operating income to assets | 1.2904% | 1,810 |
| Return on assets (ROA) | 1.2904% | 1,806 |
| Pretax return on assets | 1.2904% | 2,555 |
| Return on Equity (ROE) | 11.7741% | 1,812 |
| Retained earnings to average equity (ytd only) | 1.8214% | 4,513 |
| Net charge-offs to loans | 0.0157% | 2,615 |
| Credit loss provision to net charge-offs | 520.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 666 |
| Efficiency ratio | 70.0799% | 2,300 |
| Assets per employee ($millions) | 3.8917% | 4,073 |
| Cash dividends to net income (ytd only)* | 84.5300% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,978 |
| Loan loss allowance to noncurrent loans | 228.6713% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 2,653 |
| Noncurrent loans to loans | 0.2979% | 3,631 |
| Net loans and leases to total assets | 79.0295% | 1,159 |
| Net loans and leases to deposits | 106.0586% | 427 |
| Net loans and leases to core deposits | 108.5682% | 1,082 |
| Total domestic deposits to total assets | 74.5149% | 4,999 |
| Equity capital to assets | 10.7590% | 2,879 |
| Core capital (leverage) ratio | 11.2171% | 2,330 |
| Tier 1 risk-based capital ratio | 17.9175% | 1,818 |
| Total risk-based capital ratio | 18.8044% | 1,883 |
| Memoranda: | ||
| Average total assets | $237,441,670 | 2,585 |
| Average earning assets | $226,682,670 | 2,537 |
| Average equity | $26,023,330 | 2,585 |
| Average total loans | $190,529,670 | 2,258 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 2,232 |
| Cost of funding earning assets | 0.4188% | 3,457 |
| Net interest margin | 3.9708% | 1,813 |
| Noninterest income to average assets | 0.7320% | 1,697 |
| Noninterest expense to average assets | 3.1929% | 1,581 |
| Loan and lease loss provision to assets | 0.0662% | 2,446 |
| Net operating income to assets | 1.2568% | 1,783 |
| Return on assets (ROA) | 1.2568% | 1,794 |
| Pretax return on assets | 1.2568% | 2,525 |
| Return on Equity (ROE) | 11.3606% | 1,827 |
| Retained earnings to average equity (ytd only) | 1.4585% | 4,508 |
| Net charge-offs to loans | 0.0379% | 1,765 |
| Credit loss provision to net charge-offs | 216.6667% | 993 |
| Earnings coverage of net charge-offs (x) | 43.2778% | 1,025 |
| Efficiency ratio | 70.7033% | 2,388 |
| Assets per employee ($millions) | 3.9227% | 4,114 |
| Cash dividends to net income (ytd only)* | 87.1622% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 5,079 |
| Loan loss allowance to noncurrent loans | 210.2990% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 2,676 |
| Noncurrent loans to loans | 0.3182% | 3,628 |
| Net loans and leases to total assets | 79.8423% | 960 |
| Net loans and leases to deposits | 98.0650% | 854 |
| Net loans and leases to core deposits | 109.4922% | 1,029 |
| Total domestic deposits to total assets | 81.4177% | 4,111 |
| Equity capital to assets | 10.9968% | 2,582 |
| Core capital (leverage) ratio | 11.3123% | 2,159 |
| Tier 1 risk-based capital ratio | 17.9249% | 1,858 |
| Total risk-based capital ratio | 18.7883% | 1,918 |
| Memoranda: | ||
| Average total assets | $235,519,500 | 2,622 |
| Average earning assets | $224,438,000 | 2,574 |
| Average equity | $26,055,000 | 2,610 |
| Average total loans | $189,797,000 | 2,279 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 1,924 |
| Cost of funding earning assets | 0.4155% | 3,090 |
| Net interest margin | 4.0212% | 1,684 |
| Noninterest income to average assets | 0.7743% | 1,666 |
| Noninterest expense to average assets | 3.1717% | 1,674 |
| Loan and lease loss provision to assets | 0.0782% | 2,634 |
| Net operating income to assets | 1.3570% | 1,104 |
| Return on assets (ROA) | 1.3570% | 1,123 |
| Pretax return on assets | 1.3570% | 2,139 |
| Return on Equity (ROE) | 12.3275% | 1,120 |
| Retained earnings to average equity (ytd only) | 1.3863% | 4,452 |
| Net charge-offs to loans | 0.1118% | 1,944 |
| Credit loss provision to net charge-offs | 87.3239% | 2,832 |
| Earnings coverage of net charge-offs (x) | 16.0282% | 2,205 |
| Efficiency ratio | 68.8475% | 2,736 |
| Assets per employee ($millions) | 3.6825% | 4,458 |
| Cash dividends to net income (ytd only)* | 88.7546% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6538% | 5,150 |
| Loan loss allowance to noncurrent loans | 204.0984% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 2,692 |
| Noncurrent loans to loans | 0.3204% | 3,624 |
| Net loans and leases to total assets | 80.2643% | 919 |
| Net loans and leases to deposits | 99.2763% | 791 |
| Net loans and leases to core deposits | 110.8827% | 962 |
| Total domestic deposits to total assets | 80.8495% | 4,155 |
| Equity capital to assets | 11.1286% | 2,510 |
| Core capital (leverage) ratio | 11.2169% | 2,147 |
| Tier 1 risk-based capital ratio | 17.7411% | 1,877 |
| Total risk-based capital ratio | 18.5845% | 1,939 |
| Memoranda: | ||
| Average total assets | $237,881,400 | 2,577 |
| Average earning assets | $226,723,600 | 2,532 |
| Average equity | $26,185,400 | 2,596 |
| Average total loans | $190,480,000 | 2,237 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 1,899 |
| Cost of funding earning assets | 0.4145% | 3,044 |
| Net interest margin | 4.0051% | 1,683 |
| Noninterest income to average assets | 0.7862% | 1,635 |
| Noninterest expense to average assets | 3.1343% | 1,712 |
| Loan and lease loss provision to assets | 0.0822% | 2,448 |
| Net operating income to assets | 1.3896% | 1,113 |
| Return on assets (ROA) | 1.3896% | 1,130 |
| Pretax return on assets | 1.3896% | 2,147 |
| Return on Equity (ROE) | 12.6582% | 1,134 |
| Retained earnings to average equity (ytd only) | 1.3499% | 4,866 |
| Net charge-offs to loans | 0.0854% | 1,946 |
| Credit loss provision to net charge-offs | 120.4918% | 1,999 |
| Earnings coverage of net charge-offs (x) | 21.5741% | 1,907 |
| Efficiency ratio | 68.0466% | 2,865 |
| Assets per employee ($millions) | 4.0427% | 3,913 |
| Cash dividends to net income (ytd only)* | 89.3362% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 5,171 |
| Loan loss allowance to noncurrent loans | 150.8140% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 2,542 |
| Noncurrent loans to loans | 0.4536% | 3,345 |
| Net loans and leases to total assets | 78.9457% | 1,126 |
| Net loans and leases to deposits | 96.5211% | 1,065 |
| Net loans and leases to core deposits | 112.6565% | 900 |
| Total domestic deposits to total assets | 81.7911% | 3,834 |
| Equity capital to assets | 11.1080% | 2,756 |
| Core capital (leverage) ratio | 11.0342% | 2,422 |
| Tier 1 risk-based capital ratio | 17.9113% | 1,878 |
| Total risk-based capital ratio | 18.8017% | 1,935 |
| Memoranda: | ||
| Average total assets | $238,431,750 | 2,593 |
| Average earning assets | $227,404,000 | 2,543 |
| Average equity | $26,174,750 | 2,621 |
| Average total loans | $190,497,000 | 2,248 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 1,833 |
| Cost of funding earning assets | 0.4066% | 3,009 |
| Net interest margin | 3.9875% | 1,648 |
| Noninterest income to average assets | 0.7819% | 1,634 |
| Noninterest expense to average assets | 3.1308% | 1,765 |
| Loan and lease loss provision to assets | 0.0654% | 2,662 |
| Net operating income to assets | 1.3867% | 1,098 |
| Return on assets (ROA) | 1.3867% | 1,123 |
| Pretax return on assets | 1.3867% | 2,069 |
| Return on Equity (ROE) | 12.6822% | 1,118 |
| Retained earnings to average equity (ytd only) | 0.5984% | 4,953 |
| Net charge-offs to loans | 0.0335% | 2,524 |
| Credit loss provision to net charge-offs | 243.7500% | 1,103 |
| Earnings coverage of net charge-offs (x) | 54.0938% | 1,017 |
| Efficiency ratio | 68.3141% | 2,954 |
| Assets per employee ($millions) | 3.8432% | 4,209 |
| Cash dividends to net income (ytd only)* | 95.2813% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 5,241 |
| Loan loss allowance to noncurrent loans | 228.8194% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 2,984 |
| Noncurrent loans to loans | 0.2998% | 3,966 |
| Net loans and leases to total assets | 80.0717% | 943 |
| Net loans and leases to deposits | 97.2189% | 969 |
| Net loans and leases to core deposits | 114.7868% | 763 |
| Total domestic deposits to total assets | 82.3623% | 3,782 |
| Equity capital to assets | 11.0576% | 2,742 |
| Core capital (leverage) ratio | 10.8555% | 2,547 |
| Tier 1 risk-based capital ratio | 17.5756% | 1,981 |
| Total risk-based capital ratio | 18.4699% | 2,039 |
| Memoranda: | ||
| Average total assets | $238,402,000 | 2,605 |
| Average earning assets | $227,259,000 | 2,558 |
| Average equity | $26,068,000 | 2,628 |
| Average total loans | $190,796,330 | 2,253 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 1,790 |
| Cost of funding earning assets | 0.3908% | 3,094 |
| Net interest margin | 3.9678% | 1,557 |
| Noninterest income to average assets | 0.8203% | 1,485 |
| Noninterest expense to average assets | 3.0680% | 1,960 |
| Loan and lease loss provision to assets | 0.0654% | 2,492 |
| Net operating income to assets | 1.4510% | 896 |
| Return on assets (ROA) | 1.4510% | 918 |
| Pretax return on assets | 1.4510% | 1,694 |
| Return on Equity (ROE) | 13.3446% | 935 |
| Retained earnings to average equity (ytd only) | -1.0028% | 5,066 |
| Net charge-offs to loans | 0.0295% | 2,173 |
| Credit loss provision to net charge-offs | 278.5714% | 825 |
| Earnings coverage of net charge-offs (x) | 64.5714% | 764 |
| Efficiency ratio | 66.9228% | 3,352 |
| Assets per employee ($millions) | 3.9827% | 4,041 |
| Cash dividends to net income (ytd only)* | 107.5145% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 5,334 |
| Loan loss allowance to noncurrent loans | 203.2915% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,990 |
| Noncurrent loans to loans | 0.3378% | 3,891 |
| Net loans and leases to total assets | 78.4855% | 1,064 |
| Net loans and leases to deposits | 109.8680% | 220 |
| Net loans and leases to core deposits | 113.5553% | 699 |
| Total domestic deposits to total assets | 71.4362% | 5,571 |
| Equity capital to assets | 10.8838% | 2,762 |
| Core capital (leverage) ratio | 10.8948% | 2,484 |
| Tier 1 risk-based capital ratio | 17.6107% | 2,000 |
| Total risk-based capital ratio | 18.4974% | 2,056 |
| Memoranda: | ||
| Average total assets | $238,463,500 | 2,633 |
| Average earning assets | $226,222,500 | 2,592 |
| Average equity | $25,928,000 | 2,644 |
| Average total loans | $190,138,500 | 2,275 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,686 |
| Cost of funding earning assets | 0.3453% | 3,580 |
| Net interest margin | 4.1059% | 1,368 |
| Noninterest income to average assets | 0.7936% | 1,768 |
| Noninterest expense to average assets | 3.0829% | 2,089 |
| Loan and lease loss provision to assets | 0.0645% | 3,082 |
| Net operating income to assets | 1.5678% | 731 |
| Return on assets (ROA) | 1.6306% | 661 |
| Pretax return on assets | 1.6306% | 1,189 |
| Return on Equity (ROE) | 14.8213% | 650 |
| Retained earnings to average equity (ytd only) | 4.1740% | 2,938 |
| Net charge-offs to loans | 0.0442% | 3,151 |
| Credit loss provision to net charge-offs | 183.1325% | 1,532 |
| Earnings coverage of net charge-offs (x) | 46.3373% | 1,058 |
| Efficiency ratio | 65.3825% | 3,695 |
| Assets per employee ($millions) | 4.0333% | 3,908 |
| Cash dividends to net income (ytd only)* | 71.8376% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 5,422 |
| Loan loss allowance to noncurrent loans | 224.7350% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 3,142 |
| Noncurrent loans to loans | 0.2957% | 4,088 |
| Net loans and leases to total assets | 79.9098% | 906 |
| Net loans and leases to deposits | 113.7417% | 162 |
| Net loans and leases to core deposits | 118.5441% | 525 |
| Total domestic deposits to total assets | 70.2555% | 5,654 |
| Equity capital to assets | 10.8620% | 2,751 |
| Core capital (leverage) ratio | 10.9311% | 2,407 |
| Tier 1 risk-based capital ratio | 17.5185% | 2,003 |
| Total risk-based capital ratio | 18.3814% | 2,072 |
| Memoranda: | ||
| Average total assets | $235,623,600 | 2,614 |
| Average earning assets | $225,044,400 | 2,547 |
| Average equity | $25,922,200 | 2,641 |
| Average total loans | $187,634,200 | 2,234 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 1,729 |
| Cost of funding earning assets | 0.3416% | 3,635 |
| Net interest margin | 4.0979% | 1,393 |
| Noninterest income to average assets | 0.7987% | 1,771 |
| Noninterest expense to average assets | 3.0610% | 2,120 |
| Loan and lease loss provision to assets | 0.0641% | 2,949 |
| Net operating income to assets | 1.5929% | 742 |
| Return on assets (ROA) | 1.6768% | 664 |
| Pretax return on assets | 1.6768% | 1,184 |
| Return on Equity (ROE) | 15.1932% | 646 |
| Retained earnings to average equity (ytd only) | 4.2969% | 3,265 |
| Net charge-offs to loans | 0.0043% | 3,772 |
| Credit loss provision to net charge-offs | 1,883.3333% | 248 |
| Earnings coverage of net charge-offs (x) | 486.8213% | 182 |
| Efficiency ratio | 64.8792% | 3,780 |
| Assets per employee ($millions) | 3.9414% | 4,060 |
| Cash dividends to net income (ytd only)* | 71.7187% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 5,444 |
| Loan loss allowance to noncurrent loans | 239.0511% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 3,410 |
| Noncurrent loans to loans | 0.2885% | 4,229 |
| Net loans and leases to total assets | 77.1890% | 1,323 |
| Net loans and leases to deposits | 107.8886% | 309 |
| Net loans and leases to core deposits | 112.4032% | 789 |
| Total domestic deposits to total assets | 71.5451% | 5,617 |
| Equity capital to assets | 10.8127% | 3,230 |
| Core capital (leverage) ratio | 10.9095% | 2,550 |
| Tier 1 risk-based capital ratio | 17.3393% | 2,120 |
| Total risk-based capital ratio | 18.2280% | 2,190 |
| Memoranda: | ||
| Average total assets | $235,037,750 | 2,631 |
| Average earning assets | $224,794,750 | 2,562 |
| Average equity | $25,940,750 | 2,666 |
| Average total loans | $186,685,000 | 2,244 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 1,602 |
| Cost of funding earning assets | 0.3417% | 3,657 |
| Net interest margin | 4.1291% | 1,296 |
| Noninterest income to average assets | 0.7597% | 1,891 |
| Noninterest expense to average assets | 3.0561% | 2,190 |
| Loan and lease loss provision to assets | 0.0647% | 2,847 |
| Net operating income to assets | 1.5884% | 743 |
| Return on assets (ROA) | 1.5884% | 787 |
| Pretax return on assets | 1.5884% | 1,403 |
| Return on Equity (ROE) | 14.2901% | 788 |
| Retained earnings to average equity (ytd only) | 2.8084% | 4,114 |
| Net charge-offs to loans | 0.0151% | 3,231 |
| Credit loss provision to net charge-offs | 535.7143% | 622 |
| Earnings coverage of net charge-offs (x) | 136.9286% | 439 |
| Efficiency ratio | 64.8965% | 3,863 |
| Assets per employee ($millions) | 3.9041% | 4,088 |
| Cash dividends to net income (ytd only)* | 80.3474% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 5,571 |
| Loan loss allowance to noncurrent loans | 153.9586% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 3,056 |
| Noncurrent loans to loans | 0.4362% | 3,806 |
| Net loans and leases to total assets | 79.8111% | 938 |
| Net loans and leases to deposits | 113.0197% | 190 |
| Net loans and leases to core deposits | 118.0278% | 571 |
| Total domestic deposits to total assets | 70.6170% | 5,751 |
| Equity capital to assets | 11.1621% | 2,887 |
| Core capital (leverage) ratio | 10.8617% | 2,581 |
| Tier 1 risk-based capital ratio | 16.9077% | 2,251 |
| Total risk-based capital ratio | 17.7590% | 2,372 |
| Memoranda: | ||
| Average total assets | $231,927,330 | 2,664 |
| Average earning assets | $221,842,670 | 2,594 |
| Average equity | $25,780,000 | 2,685 |
| Average total loans | $185,601,330 | 2,257 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 1,599 |
| Cost of funding earning assets | 0.3407% | 3,709 |
| Net interest margin | 4.1277% | 1,270 |
| Noninterest income to average assets | 0.7557% | 1,801 |
| Noninterest expense to average assets | 3.0750% | 2,165 |
| Loan and lease loss provision to assets | 0.0659% | 2,646 |
| Net operating income to assets | 1.5635% | 759 |
| Return on assets (ROA) | 1.5635% | 793 |
| Pretax return on assets | 1.5635% | 1,396 |
| Return on Equity (ROE) | 14.0957% | 820 |
| Retained earnings to average equity (ytd only) | 0.9845% | 4,845 |
| Net charge-offs to loans | 0.0152% | 2,631 |
| Credit loss provision to net charge-offs | 542.8571% | 573 |
| Earnings coverage of net charge-offs (x) | 134.2857% | 439 |
| Efficiency ratio | 65.3648% | 3,902 |
| Assets per employee ($millions) | 3.8399% | 4,230 |
| Cash dividends to net income (ytd only)* | 93.0155% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 5,651 |
| Loan loss allowance to noncurrent loans | 152.1578% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 3,090 |
| Noncurrent loans to loans | 0.4384% | 3,870 |
| Net loans and leases to total assets | 79.7565% | 853 |
| Net loans and leases to deposits | 109.2252% | 243 |
| Net loans and leases to core deposits | 113.8020% | 675 |
| Total domestic deposits to total assets | 73.0202% | 5,703 |
| Equity capital to assets | 11.1665% | 2,755 |
| Core capital (leverage) ratio | 10.8461% | 2,574 |
| Tier 1 risk-based capital ratio | 17.0280% | 2,279 |
| Total risk-based capital ratio | 17.8751% | 2,380 |
| Memoranda: | ||
| Average total assets | $230,767,000 | 2,686 |
| Average earning assets | $220,753,500 | 2,613 |
| Average equity | $25,596,500 | 2,699 |
| Average total loans | $184,292,000 | 2,269 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 1,832 |
| Cost of funding earning assets | 0.3425% | 3,768 |
| Net interest margin | 4.0786% | 1,466 |
| Noninterest income to average assets | 0.9161% | 1,394 |
| Noninterest expense to average assets | 3.6750% | 1,010 |
| Loan and lease loss provision to assets | 0.0405% | 3,527 |
| Net operating income to assets | 1.1070% | 1,889 |
| Return on assets (ROA) | 1.2288% | 1,519 |
| Pretax return on assets | 1.2288% | 2,552 |
| Return on Equity (ROE) | 11.3022% | 1,505 |
| Retained earnings to average equity (ytd only) | -0.4742% | 5,586 |
| Net charge-offs to loans | 0.1087% | 2,294 |
| Credit loss provision to net charge-offs | 48.9691% | 3,420 |
| Earnings coverage of net charge-offs (x) | 13.8814% | 2,339 |
| Efficiency ratio | 76.2060% | 2,241 |
| Assets per employee ($millions) | 3.9176% | 4,087 |
| Cash dividends to net income (ytd only)* | 104.1956% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 5,715 |
| Loan loss allowance to noncurrent loans | 128.2516% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 2,759 |
| Noncurrent loans to loans | 0.5109% | 3,649 |
| Net loans and leases to total assets | 78.9101% | 1,003 |
| Net loans and leases to deposits | 109.2802% | 264 |
| Net loans and leases to core deposits | 113.8598% | 687 |
| Total domestic deposits to total assets | 72.2089% | 5,789 |
| Equity capital to assets | 11.0176% | 2,800 |
| Core capital (leverage) ratio | 10.8446% | 2,566 |
| Tier 1 risk-based capital ratio | 17.0924% | 2,248 |
| Total risk-based capital ratio | 17.9235% | 2,356 |
| Memoranda: | ||
| Average total assets | $234,695,600 | 2,628 |
| Average earning assets | $224,785,600 | 2,550 |
| Average equity | $25,517,200 | 2,651 |
| Average total loans | $178,426,000 | 2,257 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 1,980 |
| Cost of funding earning assets | 0.3448% | 3,812 |
| Net interest margin | 4.0362% | 1,594 |
| Noninterest income to average assets | 0.9774% | 1,236 |
| Noninterest expense to average assets | 3.5859% | 1,143 |
| Loan and lease loss provision to assets | 0.0317% | 3,605 |
| Net operating income to assets | 1.2287% | 1,559 |
| Return on assets (ROA) | 1.3905% | 1,178 |
| Pretax return on assets | 1.3905% | 2,052 |
| Return on Equity (ROE) | 12.8316% | 1,166 |
| Retained earnings to average equity (ytd only) | 0.6894% | 5,416 |
| Net charge-offs to loans | 0.0512% | 2,878 |
| Credit loss provision to net charge-offs | 82.3529% | 2,577 |
| Earnings coverage of net charge-offs (x) | 32.7516% | 1,411 |
| Efficiency ratio | 73.9928% | 2,558 |
| Assets per employee ($millions) | 3.7680% | 4,328 |
| Cash dividends to net income (ytd only)* | 94.6275% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,700 |
| Loan loss allowance to noncurrent loans | 116.1116% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 2,723 |
| Noncurrent loans to loans | 0.6147% | 3,474 |
| Net loans and leases to total assets | 78.0741% | 1,086 |
| Net loans and leases to deposits | 108.0885% | 301 |
| Net loans and leases to core deposits | 112.2886% | 747 |
| Total domestic deposits to total assets | 72.2316% | 5,847 |
| Equity capital to assets | 11.2090% | 2,792 |
| Core capital (leverage) ratio | 10.9322% | 2,564 |
| Tier 1 risk-based capital ratio | 17.4708% | 2,195 |
| Total risk-based capital ratio | 18.3725% | 2,274 |
| Memoranda: | ||
| Average total assets | $235,584,750 | 2,631 |
| Average earning assets | $225,817,000 | 2,563 |
| Average equity | $25,530,000 | 2,672 |
| Average total loans | $177,133,750 | 2,281 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,045 |
| Cost of funding earning assets | 0.3535% | 3,771 |
| Net interest margin | 3.9867% | 1,678 |
| Noninterest income to average assets | 1.0063% | 1,167 |
| Noninterest expense to average assets | 3.6304% | 1,074 |
| Loan and lease loss provision to assets | 0.0143% | 3,836 |
| Net operating income to assets | 1.1798% | 1,669 |
| Return on assets (ROA) | 1.4207% | 1,087 |
| Pretax return on assets | 1.4207% | 1,894 |
| Return on Equity (ROE) | 13.2563% | 1,064 |
| Retained earnings to average equity (ytd only) | 0.2515% | 5,432 |
| Net charge-offs to loans | 0.0580% | 2,568 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 27.8039% | 1,440 |
| Efficiency ratio | 75.2487% | 2,505 |
| Assets per employee ($millions) | 3.8143% | 4,232 |
| Cash dividends to net income (ytd only)* | 98.1031% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 5,778 |
| Loan loss allowance to noncurrent loans | 68.5405% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 2,802 |
| Noncurrent loans to loans | 1.0459% | 2,553 |
| Net loans and leases to total assets | 76.7375% | 1,266 |
| Net loans and leases to deposits | 104.1254% | 444 |
| Net loans and leases to core deposits | 107.9045% | 961 |
| Total domestic deposits to total assets | 73.6972% | 5,817 |
| Equity capital to assets | 11.0654% | 2,824 |
| Core capital (leverage) ratio | 10.8031% | 2,609 |
| Tier 1 risk-based capital ratio | 17.8334% | 2,119 |
| Total risk-based capital ratio | 18.7417% | 2,178 |
| Memoranda: | ||
| Average total assets | $237,496,000 | 2,632 |
| Average earning assets | $227,458,670 | 2,564 |
| Average equity | $25,452,000 | 2,686 |
| Average total loans | $175,930,330 | 2,301 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,009 |
| Cost of funding earning assets | 0.3621% | 3,726 |
| Net interest margin | 3.9656% | 1,669 |
| Noninterest income to average assets | 0.7725% | 1,820 |
| Noninterest expense to average assets | 3.3662% | 1,563 |
| Loan and lease loss provision to assets | 0.0132% | 3,552 |
| Net operating income to assets | 1.1794% | 1,605 |
| Return on assets (ROA) | 1.5450% | 827 |
| Pretax return on assets | 1.5450% | 1,408 |
| Return on Equity (ROE) | 14.6418% | 765 |
| Retained earnings to average equity (ytd only) | 0.9249% | 5,094 |
| Net charge-offs to loans | 0.0251% | 2,663 |
| Credit loss provision to net charge-offs | 72.7273% | 1,889 |
| Earnings coverage of net charge-offs (x) | 65.5455% | 679 |
| Efficiency ratio | 73.8389% | 2,840 |
| Assets per employee ($millions) | 4.0866% | 3,785 |
| Cash dividends to net income (ytd only)* | 93.6831% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 5,833 |
| Loan loss allowance to noncurrent loans | 70.2922% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 3,170 |
| Noncurrent loans to loans | 1.0511% | 2,660 |
| Net loans and leases to total assets | 71.1713% | 1,952 |
| Net loans and leases to deposits | 100.8641% | 518 |
| Net loans and leases to core deposits | 104.8688% | 1,007 |
| Total domestic deposits to total assets | 70.5616% | 6,104 |
| Equity capital to assets | 10.4557% | 3,577 |
| Core capital (leverage) ratio | 10.4453% | 3,036 |
| Tier 1 risk-based capital ratio | 17.3454% | 2,362 |
| Total risk-based capital ratio | 18.2495% | 2,434 |
| Memoranda: | ||
| Average total assets | $241,815,000 | 2,620 |
| Average earning assets | $230,887,500 | 2,547 |
| Average equity | $25,516,000 | 2,701 |
| Average total loans | $175,451,500 | 2,313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,299 |
| Cost of funding earning assets | 0.4021% | 3,669 |
| Net interest margin | 3.9730% | 1,964 |
| Noninterest income to average assets | 0.8656% | 1,624 |
| Noninterest expense to average assets | 3.5817% | 1,339 |
| Loan and lease loss provision to assets | 0.0049% | 4,514 |
| Net operating income to assets | 1.0555% | 2,144 |
| Return on assets (ROA) | 1.0555% | 2,208 |
| Pretax return on assets | 1.0555% | 3,278 |
| Return on Equity (ROE) | 10.0790% | 2,083 |
| Retained earnings to average equity (ytd only) | -0.2237% | 5,806 |
| Net charge-offs to loans | 0.1737% | 2,288 |
| Credit loss provision to net charge-offs | 3.9735% | 4,167 |
| Earnings coverage of net charge-offs (x) | 8.5430% | 2,863 |
| Efficiency ratio | 77.1560% | 2,334 |
| Assets per employee ($millions) | 4.0412% | 3,852 |
| Cash dividends to net income (ytd only)* | 102.2196% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,896 |
| Loan loss allowance to noncurrent loans | 88.6317% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,666 |
| Noncurrent loans to loans | 0.8390% | 3,215 |
| Net loans and leases to total assets | 72.8892% | 1,779 |
| Net loans and leases to deposits | 105.2233% | 389 |
| Net loans and leases to core deposits | 109.4325% | 805 |
| Total domestic deposits to total assets | 69.2710% | 6,225 |
| Equity capital to assets | 10.6508% | 3,297 |
| Core capital (leverage) ratio | 10.4270% | 3,028 |
| Tier 1 risk-based capital ratio | 17.6284% | 2,271 |
| Total risk-based capital ratio | 18.5515% | 2,343 |
| Memoranda: | ||
| Average total assets | $243,291,200 | 2,589 |
| Average earning assets | $231,263,200 | 2,507 |
| Average equity | $25,478,600 | 2,613 |
| Average total loans | $173,858,000 | 2,293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,377 |
| Cost of funding earning assets | 0.4025% | 3,767 |
| Net interest margin | 3.9606% | 1,994 |
| Noninterest income to average assets | 0.8136% | 1,839 |
| Noninterest expense to average assets | 2.8754% | 3,215 |
| Loan and lease loss provision to assets | 0.0049% | 4,316 |
| Net operating income to assets | 1.6943% | 624 |
| Return on assets (ROA) | 1.6943% | 651 |
| Pretax return on assets | 1.6943% | 1,078 |
| Return on Equity (ROE) | 16.2457% | 651 |
| Retained earnings to average equity (ytd only) | 5.9451% | 2,449 |
| Net charge-offs to loans | 0.2405% | 1,603 |
| Credit loss provision to net charge-offs | 2.8754% | 3,777 |
| Earnings coverage of net charge-offs (x) | 9.9553% | 2,598 |
| Efficiency ratio | 62.8561% | 4,755 |
| Assets per employee ($millions) | 4.2090% | 3,463 |
| Cash dividends to net income (ytd only)* | 63.4052% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 6,026 |
| Loan loss allowance to noncurrent loans | 122.9008% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 4,177 |
| Noncurrent loans to loans | 0.5989% | 4,135 |
| Net loans and leases to total assets | 72.4045% | 1,780 |
| Net loans and leases to deposits | 106.5857% | 308 |
| Net loans and leases to core deposits | 110.9070% | 712 |
| Total domestic deposits to total assets | 67.9307% | 6,354 |
| Equity capital to assets | 10.9223% | 3,040 |
| Core capital (leverage) ratio | 10.8617% | 2,619 |
| Tier 1 risk-based capital ratio | 18.3532% | 2,104 |
| Total risk-based capital ratio | 19.2603% | 2,166 |
| Memoranda: | ||
| Average total assets | $244,505,750 | 2,588 |
| Average earning assets | $232,183,500 | 2,516 |
| Average equity | $25,499,500 | 2,626 |
| Average total loans | $173,549,000 | 2,311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,457 |
| Cost of funding earning assets | 0.4036% | 3,836 |
| Net interest margin | 3.9300% | 2,043 |
| Noninterest income to average assets | 0.8275% | 1,745 |
| Noninterest expense to average assets | 2.8792% | 3,242 |
| Loan and lease loss provision to assets | 0.0049% | 4,133 |
| Net operating income to assets | 1.6713% | 615 |
| Return on assets (ROA) | 1.6713% | 650 |
| Pretax return on assets | 1.6713% | 1,084 |
| Return on Equity (ROE) | 16.2757% | 628 |
| Retained earnings to average equity (ytd only) | 5.9055% | 2,377 |
| Net charge-offs to loans | 0.0901% | 2,779 |
| Credit loss provision to net charge-offs | 7.6923% | 3,326 |
| Earnings coverage of net charge-offs (x) | 26.4359% | 1,373 |
| Efficiency ratio | 63.2049% | 4,817 |
| Assets per employee ($millions) | 3.9406% | 3,968 |
| Cash dividends to net income (ytd only)* | 63.7160% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 5,796 |
| Loan loss allowance to noncurrent loans | 110.7065% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 4,185 |
| Noncurrent loans to loans | 0.7905% | 3,717 |
| Net loans and leases to total assets | 70.4686% | 2,007 |
| Net loans and leases to deposits | 106.3593% | 292 |
| Net loans and leases to core deposits | 110.6999% | 664 |
| Total domestic deposits to total assets | 66.2552% | 6,476 |
| Equity capital to assets | 10.6510% | 3,257 |
| Core capital (leverage) ratio | 10.5790% | 2,846 |
| Tier 1 risk-based capital ratio | 18.1098% | 2,199 |
| Total risk-based capital ratio | 19.1822% | 2,235 |
| Memoranda: | ||
| Average total assets | $246,037,000 | 2,578 |
| Average earning assets | $233,381,670 | 2,510 |
| Average equity | $25,264,670 | 2,628 |
| Average total loans | $173,067,000 | 2,315 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 2,491 |
| Cost of funding earning assets | 0.4053% | 3,903 |
| Net interest margin | 3.9028% | 2,077 |
| Noninterest income to average assets | 0.8506% | 1,560 |
| Noninterest expense to average assets | 2.9923% | 2,881 |
| Loan and lease loss provision to assets | 0.0049% | 3,757 |
| Net operating income to assets | 1.5504% | 731 |
| Return on assets (ROA) | 1.5504% | 763 |
| Pretax return on assets | 1.5504% | 1,288 |
| Return on Equity (ROE) | 15.3821% | 723 |
| Retained earnings to average equity (ytd only) | 4.9345% | 3,148 |
| Net charge-offs to loans | 0.0208% | 3,163 |
| Credit loss provision to net charge-offs | 33.3333% | 2,362 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 434 |
| Efficiency ratio | 65.7998% | 4,563 |
| Assets per employee ($millions) | 4.0327% | 3,876 |
| Cash dividends to net income (ytd only)* | 67.9206% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 5,834 |
| Loan loss allowance to noncurrent loans | 119.1585% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 4,173 |
| Noncurrent loans to loans | 0.7653% | 3,952 |
| Net loans and leases to total assets | 70.0523% | 1,875 |
| Net loans and leases to deposits | 105.4041% | 249 |
| Net loans and leases to core deposits | 108.8289% | 635 |
| Total domestic deposits to total assets | 66.4607% | 6,549 |
| Equity capital to assets | 10.2471% | 3,544 |
| Core capital (leverage) ratio | 10.2442% | 3,226 |
| Tier 1 risk-based capital ratio | 17.8603% | 2,352 |
| Total risk-based capital ratio | 18.9831% | 2,366 |
| Memoranda: | ||
| Average total assets | $246,897,500 | 2,583 |
| Average earning assets | $233,882,000 | 2,503 |
| Average equity | $24,886,000 | 2,656 |
| Average total loans | $172,757,500 | 2,316 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 3,237 |
| Cost of funding earning assets | 0.4509% | 4,101 |
| Net interest margin | 3.7770% | 2,738 |
| Noninterest income to average assets | 0.9618% | 1,486 |
| Noninterest expense to average assets | 3.0807% | 2,798 |
| Loan and lease loss provision to assets | 0.0025% | 5,060 |
| Net operating income to assets | 1.4848% | 850 |
| Return on assets (ROA) | 1.4848% | 896 |
| Pretax return on assets | 1.4848% | 1,496 |
| Return on Equity (ROE) | 15.3778% | 701 |
| Retained earnings to average equity (ytd only) | 4.3814% | 3,057 |
| Net charge-offs to loans | 0.0587% | 4,400 |
| Credit loss provision to net charge-offs | 6.2500% | 4,634 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,000 |
| Efficiency ratio | 67.4414% | 4,297 |
| Assets per employee ($millions) | 4.0623% | 3,731 |
| Cash dividends to net income (ytd only)* | 71.5081% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 5,828 |
| Loan loss allowance to noncurrent loans | 132.0066% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 4,515 |
| Noncurrent loans to loans | 0.7028% | 4,218 |
| Net loans and leases to total assets | 68.6085% | 2,237 |
| Net loans and leases to deposits | 105.0195% | 296 |
| Net loans and leases to core deposits | 108.4653% | 674 |
| Total domestic deposits to total assets | 65.3293% | 6,643 |
| Equity capital to assets | 9.9131% | 3,881 |
| Core capital (leverage) ratio | 10.1026% | 3,427 |
| Tier 1 risk-based capital ratio | 17.5858% | 2,378 |
| Total risk-based capital ratio | 18.7092% | 2,406 |
| Memoranda: | ||
| Average total assets | $242,053,000 | 2,603 |
| Average earning assets | $231,108,800 | 2,506 |
| Average equity | $23,371,400 | 2,783 |
| Average total loans | $163,491,800 | 2,374 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 3,509 |
| Cost of funding earning assets | 0.4556% | 4,212 |
| Net interest margin | 3.7096% | 2,998 |
| Noninterest income to average assets | 0.9858% | 1,490 |
| Noninterest expense to average assets | 3.0371% | 2,865 |
| Loan and lease loss provision to assets | 0.0028% | 4,903 |
| Net operating income to assets | 1.4967% | 905 |
| Return on assets (ROA) | 1.4967% | 950 |
| Pretax return on assets | 1.4967% | 1,622 |
| Return on Equity (ROE) | 15.6080% | 696 |
| Retained earnings to average equity (ytd only) | 4.4553% | 3,499 |
| Net charge-offs to loans | 0.0363% | 4,416 |
| Credit loss provision to net charge-offs | 11.3636% | 4,206 |
| Earnings coverage of net charge-offs (x) | 61.4950% | 742 |
| Efficiency ratio | 66.9476% | 4,315 |
| Assets per employee ($millions) | 4.1151% | 3,609 |
| Cash dividends to net income (ytd only)* | 71.4551% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 5,798 |
| Loan loss allowance to noncurrent loans | 140.9091% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 4,779 |
| Noncurrent loans to loans | 0.6969% | 4,457 |
| Net loans and leases to total assets | 67.1030% | 2,443 |
| Net loans and leases to deposits | 103.6167% | 312 |
| Net loans and leases to core deposits | 107.0589% | 702 |
| Total domestic deposits to total assets | 64.7608% | 6,730 |
| Equity capital to assets | 9.3749% | 4,711 |
| Core capital (leverage) ratio | 10.0296% | 3,640 |
| Tier 1 risk-based capital ratio | 17.6092% | 2,478 |
| Total risk-based capital ratio | 18.7821% | 2,468 |
| Memoranda: | ||
| Average total assets | $240,615,500 | 2,640 |
| Average earning assets | $230,312,750 | 2,531 |
| Average equity | $23,073,000 | 2,844 |
| Average total loans | $161,463,250 | 2,414 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 3,540 |
| Cost of funding earning assets | 0.4718% | 4,186 |
| Net interest margin | 3.6778% | 3,041 |
| Noninterest income to average assets | 0.9735% | 1,594 |
| Noninterest expense to average assets | 3.0656% | 2,778 |
| Loan and lease loss provision to assets | 0.0025% | 4,753 |
| Net operating income to assets | 1.4221% | 1,033 |
| Return on assets (ROA) | 1.4221% | 1,120 |
| Pretax return on assets | 1.4221% | 1,856 |
| Return on Equity (ROE) | 14.7169% | 864 |
| Retained earnings to average equity (ytd only) | 3.8701% | 3,836 |
| Net charge-offs to loans | 0.0426% | 4,081 |
| Credit loss provision to net charge-offs | 8.8235% | 3,913 |
| Earnings coverage of net charge-offs (x) | 49.9706% | 802 |
| Efficiency ratio | 68.2726% | 4,134 |
| Assets per employee ($millions) | 4.0037% | 3,793 |
| Cash dividends to net income (ytd only)* | 73.7028% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,764 |
| Loan loss allowance to noncurrent loans | 146.2356% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 4,837 |
| Noncurrent loans to loans | 0.6931% | 4,548 |
| Net loans and leases to total assets | 68.2576% | 2,185 |
| Net loans and leases to deposits | 100.1354% | 418 |
| Net loans and leases to core deposits | 103.4731% | 863 |
| Total domestic deposits to total assets | 68.1653% | 6,714 |
| Equity capital to assets | 9.5618% | 4,499 |
| Core capital (leverage) ratio | 10.2434% | 3,172 |
| Tier 1 risk-based capital ratio | 17.8835% | 2,360 |
| Total risk-based capital ratio | 19.0964% | 2,339 |
| Memoranda: | ||
| Average total assets | $238,519,330 | 2,665 |
| Average earning assets | $228,069,670 | 2,556 |
| Average equity | $23,048,330 | 2,862 |
| Average total loans | $159,510,000 | 2,448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 3,297 |
| Cost of funding earning assets | 0.5079% | 3,998 |
| Net interest margin | 3.6929% | 2,881 |
| Noninterest income to average assets | 0.9179% | 1,699 |
| Noninterest expense to average assets | 2.9841% | 3,037 |
| Loan and lease loss provision to assets | 0.0033% | 4,379 |
| Net operating income to assets | 1.4620% | 931 |
| Return on assets (ROA) | 1.4620% | 1,010 |
| Pretax return on assets | 1.4620% | 1,676 |
| Return on Equity (ROE) | 15.0522% | 757 |
| Retained earnings to average equity (ytd only) | 4.8284% | 3,341 |
| Net charge-offs to loans | 0.0786% | 3,051 |
| Credit loss provision to net charge-offs | 6.4516% | 3,178 |
| Earnings coverage of net charge-offs (x) | 28.3226% | 988 |
| Efficiency ratio | 67.0668% | 4,480 |
| Assets per employee ($millions) | 4.2153% | 3,510 |
| Cash dividends to net income (ytd only)* | 67.9224% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 5,838 |
| Loan loss allowance to noncurrent loans | 145.6388% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 4,946 |
| Noncurrent loans to loans | 0.7135% | 4,699 |
| Net loans and leases to total assets | 65.5165% | 2,454 |
| Net loans and leases to deposits | 96.1232% | 534 |
| Net loans and leases to core deposits | 99.0362% | 1,003 |
| Total domestic deposits to total assets | 68.1589% | 6,802 |
| Equity capital to assets | 9.6894% | 4,578 |
| Core capital (leverage) ratio | 10.1734% | 3,178 |
| Tier 1 risk-based capital ratio | 18.0263% | 2,345 |
| Total risk-based capital ratio | 19.2587% | 2,326 |
| Memoranda: | ||
| Average total assets | $239,669,000 | 2,676 |
| Average earning assets | $229,195,000 | 2,570 |
| Average equity | $23,279,000 | 2,886 |
| Average total loans | $157,820,500 | 2,482 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 3,321 |
| Cost of funding earning assets | 0.8222% | 2,489 |
| Net interest margin | 3.6966% | 3,664 |
| Noninterest income to average assets | 0.9657% | 1,647 |
| Noninterest expense to average assets | 2.9522% | 3,456 |
| Loan and lease loss provision to assets | 0.0815% | 4,682 |
| Net operating income to assets | 1.4679% | 976 |
| Return on assets (ROA) | 1.4679% | 1,086 |
| Pretax return on assets | 1.4679% | 1,786 |
| Return on Equity (ROE) | 15.0089% | 807 |
| Retained earnings to average equity (ytd only) | 4.5980% | 2,987 |
| Net charge-offs to loans | 0.0563% | 5,144 |
| Credit loss provision to net charge-offs | 222.9885% | 1,125 |
| Earnings coverage of net charge-offs (x) | 42.4138% | 763 |
| Efficiency ratio | 65.5816% | 4,586 |
| Assets per employee ($millions) | 4.1218% | 3,701 |
| Cash dividends to net income (ytd only)* | 69.3650% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,658 |
| Loan loss allowance to noncurrent loans | 126.8477% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 4,852 |
| Noncurrent loans to loans | 0.8469% | 4,495 |
| Net loans and leases to total assets | 64.7889% | 2,757 |
| Net loans and leases to deposits | 95.2946% | 663 |
| Net loans and leases to core deposits | 98.3278% | 1,125 |
| Total domestic deposits to total assets | 67.9881% | 6,860 |
| Equity capital to assets | 9.7367% | 4,546 |
| Core capital (leverage) ratio | 9.9042% | 3,539 |
| Tier 1 risk-based capital ratio | 18.1099% | 2,224 |
| Total risk-based capital ratio | 19.3604% | 2,193 |
| Memoranda: | ||
| Average total assets | $238,162,600 | 2,652 |
| Average earning assets | $227,805,400 | 2,529 |
| Average equity | $23,292,800 | 2,822 |
| Average total loans | $154,500,000 | 2,510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 3,239 |
| Cost of funding earning assets | 0.8570% | 2,483 |
| Net interest margin | 3.7356% | 3,632 |
| Noninterest income to average assets | 0.9633% | 1,626 |
| Noninterest expense to average assets | 2.9071% | 3,569 |
| Loan and lease loss provision to assets | 0.1087% | 4,213 |
| Net operating income to assets | 1.5208% | 981 |
| Return on assets (ROA) | 1.5208% | 1,093 |
| Pretax return on assets | 1.5208% | 1,807 |
| Return on Equity (ROE) | 15.5326% | 815 |
| Retained earnings to average equity (ytd only) | 5.0878% | 3,309 |
| Net charge-offs to loans | 0.0511% | 4,941 |
| Credit loss provision to net charge-offs | 328.8136% | 814 |
| Earnings coverage of net charge-offs (x) | 49.2911% | 767 |
| Efficiency ratio | 64.0810% | 4,793 |
| Assets per employee ($millions) | 4.0818% | 3,715 |
| Cash dividends to net income (ytd only)* | 67.2438% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 5,679 |
| Loan loss allowance to noncurrent loans | 134.2229% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 5,076 |
| Noncurrent loans to loans | 0.8263% | 4,765 |
| Net loans and leases to total assets | 63.3149% | 3,154 |
| Net loans and leases to deposits | 93.2564% | 847 |
| Net loans and leases to core deposits | 96.6562% | 1,358 |
| Total domestic deposits to total assets | 67.8933% | 6,930 |
| Equity capital to assets | 9.9342% | 4,600 |
| Core capital (leverage) ratio | 9.8495% | 3,753 |
| Tier 1 risk-based capital ratio | 18.1223% | 2,293 |
| Total risk-based capital ratio | 19.3732% | 2,268 |
| Memoranda: | ||
| Average total assets | $237,937,250 | 2,678 |
| Average earning assets | $227,607,250 | 2,556 |
| Average equity | $23,296,750 | 2,848 |
| Average total loans | $153,982,750 | 2,543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 3,054 |
| Cost of funding earning assets | 0.9129% | 2,303 |
| Net interest margin | 3.7565% | 3,557 |
| Noninterest income to average assets | 0.9723% | 1,540 |
| Noninterest expense to average assets | 2.9125% | 3,573 |
| Loan and lease loss provision to assets | 0.1629% | 3,475 |
| Net operating income to assets | 1.4913% | 1,009 |
| Return on assets (ROA) | 1.4913% | 1,126 |
| Pretax return on assets | 1.4913% | 1,875 |
| Return on Equity (ROE) | 15.3069% | 889 |
| Retained earnings to average equity (ytd only) | 4.3486% | 3,720 |
| Net charge-offs to loans | 0.0702% | 4,446 |
| Credit loss provision to net charge-offs | 357.4074% | 818 |
| Earnings coverage of net charge-offs (x) | 36.2963% | 947 |
| Efficiency ratio | 63.7775% | 4,933 |
| Assets per employee ($millions) | 3.9548% | 3,972 |
| Cash dividends to net income (ytd only)* | 71.5903% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,734 |
| Loan loss allowance to noncurrent loans | 148.2699% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,101 |
| Noncurrent loans to loans | 0.7507% | 5,010 |
| Net loans and leases to total assets | 64.1773% | 2,996 |
| Net loans and leases to deposits | 93.9688% | 774 |
| Net loans and leases to core deposits | 97.5423% | 1,306 |
| Total domestic deposits to total assets | 68.2964% | 6,986 |
| Equity capital to assets | 9.8548% | 4,541 |
| Core capital (leverage) ratio | 9.8343% | 3,673 |
| Tier 1 risk-based capital ratio | 17.8896% | 2,330 |
| Total risk-based capital ratio | 19.1403% | 2,296 |
| Memoranda: | ||
| Average total assets | $236,974,670 | 2,691 |
| Average earning assets | $226,755,670 | 2,568 |
| Average equity | $23,087,670 | 2,844 |
| Average total loans | $153,914,330 | 2,551 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 2,830 |
| Cost of funding earning assets | 1.0199% | 1,869 |
| Net interest margin | 3.7350% | 3,673 |
| Noninterest income to average assets | 0.9256% | 1,644 |
| Noninterest expense to average assets | 2.8494% | 3,828 |
| Loan and lease loss provision to assets | 0.1655% | 3,321 |
| Net operating income to assets | 1.4796% | 1,059 |
| Return on assets (ROA) | 1.4796% | 1,183 |
| Pretax return on assets | 1.4796% | 1,929 |
| Return on Equity (ROE) | 15.2750% | 926 |
| Retained earnings to average equity (ytd only) | 2.8074% | 4,853 |
| Net charge-offs to loans | 0.0598% | 3,898 |
| Credit loss provision to net charge-offs | 426.0870% | 748 |
| Earnings coverage of net charge-offs (x) | 42.3478% | 711 |
| Efficiency ratio | 63.3972% | 5,035 |
| Assets per employee ($millions) | 4.1235% | 3,740 |
| Cash dividends to net income (ytd only)* | 81.6210% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,980 |
| Loan loss allowance to noncurrent loans | 93.8567% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 4,863 |
| Noncurrent loans to loans | 1.1460% | 4,419 |
| Net loans and leases to total assets | 63.4500% | 2,961 |
| Net loans and leases to deposits | 92.0059% | 797 |
| Net loans and leases to core deposits | 95.4042% | 1,342 |
| Total domestic deposits to total assets | 68.9630% | 7,022 |
| Equity capital to assets | 9.6227% | 4,621 |
| Core capital (leverage) ratio | 9.7824% | 3,668 |
| Tier 1 risk-based capital ratio | 17.7811% | 2,371 |
| Total risk-based capital ratio | 19.0303% | 2,349 |
| Memoranda: | ||
| Average total assets | $236,819,500 | 2,704 |
| Average earning assets | $226,291,000 | 2,580 |
| Average equity | $22,939,500 | 2,859 |
| Average total loans | $153,873,000 | 2,574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 2,490 |
| Cost of funding earning assets | 1.2086% | 1,974 |
| Net interest margin | 3.8822% | 3,416 |
| Noninterest income to average assets | 1.0202% | 1,305 |
| Noninterest expense to average assets | 2.9973% | 3,604 |
| Loan and lease loss provision to assets | 0.1706% | 4,505 |
| Net operating income to assets | 1.5432% | 754 |
| Return on assets (ROA) | 1.5467% | 808 |
| Pretax return on assets | 1.5467% | 1,349 |
| Return on Equity (ROE) | 15.7369% | 645 |
| Retained earnings to average equity (ytd only) | 2.2488% | 4,609 |
| Net charge-offs to loans | 0.1379% | 5,041 |
| Credit loss provision to net charge-offs | 186.7925% | 1,384 |
| Earnings coverage of net charge-offs (x) | 18.7642% | 1,196 |
| Efficiency ratio | 63.6214% | 5,191 |
| Assets per employee ($millions) | 4.1136% | 3,619 |
| Cash dividends to net income (ytd only)* | 85.7103% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 6,118 |
| Loan loss allowance to noncurrent loans | 98.3146% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 5,129 |
| Noncurrent loans to loans | 1.0379% | 4,632 |
| Net loans and leases to total assets | 65.1546% | 2,945 |
| Net loans and leases to deposits | 95.2515% | 728 |
| Net loans and leases to core deposits | 98.5435% | 1,295 |
| Total domestic deposits to total assets | 68.4027% | 7,056 |
| Equity capital to assets | 9.7515% | 4,508 |
| Core capital (leverage) ratio | 9.7498% | 3,675 |
| Tier 1 risk-based capital ratio | 17.7251% | 2,293 |
| Total risk-based capital ratio | 18.9481% | 2,274 |
| Memoranda: | ||
| Average total assets | $232,109,800 | 2,701 |
| Average earning assets | $220,675,600 | 2,601 |
| Average equity | $22,812,600 | 2,804 |
| Average total loans | $153,681,600 | 2,590 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 2,452 |
| Cost of funding earning assets | 1.2308% | 2,116 |
| Net interest margin | 3.9040% | 3,362 |
| Noninterest income to average assets | 1.0464% | 1,227 |
| Noninterest expense to average assets | 2.9768% | 3,648 |
| Loan and lease loss provision to assets | 0.1710% | 4,327 |
| Net operating income to assets | 1.6067% | 764 |
| Return on assets (ROA) | 1.6114% | 828 |
| Pretax return on assets | 1.6114% | 1,354 |
| Return on Equity (ROE) | 16.3625% | 628 |
| Retained earnings to average equity (ytd only) | 1.8187% | 5,226 |
| Net charge-offs to loans | 0.0408% | 5,584 |
| Credit loss provision to net charge-offs | 631.9149% | 429 |
| Earnings coverage of net charge-offs (x) | 65.6758% | 499 |
| Efficiency ratio | 62.6090% | 5,313 |
| Assets per employee ($millions) | 4.0739% | 3,690 |
| Cash dividends to net income (ytd only)* | 88.8851% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,996 |
| Loan loss allowance to noncurrent loans | 91.6760% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 5,152 |
| Noncurrent loans to loans | 1.1650% | 4,592 |
| Net loans and leases to total assets | 64.3318% | 3,245 |
| Net loans and leases to deposits | 94.2054% | 817 |
| Net loans and leases to core deposits | 97.0491% | 1,505 |
| Total domestic deposits to total assets | 68.2889% | 7,127 |
| Equity capital to assets | 9.9934% | 4,351 |
| Core capital (leverage) ratio | 9.6934% | 3,860 |
| Tier 1 risk-based capital ratio | 17.4465% | 2,469 |
| Total risk-based capital ratio | 18.6967% | 2,439 |
| Memoranda: | ||
| Average total assets | $231,518,250 | 2,716 |
| Average earning assets | $219,908,500 | 2,630 |
| Average equity | $22,799,500 | 2,804 |
| Average total loans | $153,515,250 | 2,617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 2,404 |
| Cost of funding earning assets | 1.2466% | 2,271 |
| Net interest margin | 3.9166% | 3,233 |
| Noninterest income to average assets | 1.0360% | 1,237 |
| Noninterest expense to average assets | 2.9496% | 3,833 |
| Loan and lease loss provision to assets | 0.1722% | 4,205 |
| Net operating income to assets | 1.6362% | 684 |
| Return on assets (ROA) | 1.6431% | 719 |
| Pretax return on assets | 1.6431% | 1,168 |
| Return on Equity (ROE) | 16.7700% | 576 |
| Retained earnings to average equity (ytd only) | 0.0178% | 5,826 |
| Net charge-offs to loans | -0.0339% | 6,949 |
| Credit loss provision to net charge-offs | -761.5385% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9927% | 5,588 |
| Assets per employee ($millions) | 4.0306% | 3,692 |
| Cash dividends to net income (ytd only)* | 99.8941% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,152 |
| Loan loss allowance to noncurrent loans | 90.1228% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 5,163 |
| Noncurrent loans to loans | 1.1624% | 4,713 |
| Net loans and leases to total assets | 65.2551% | 3,195 |
| Net loans and leases to deposits | 95.5881% | 760 |
| Net loans and leases to core deposits | 98.4384% | 1,474 |
| Total domestic deposits to total assets | 68.2669% | 7,179 |
| Equity capital to assets | 9.8441% | 4,339 |
| Core capital (leverage) ratio | 9.6144% | 3,788 |
| Tier 1 risk-based capital ratio | 17.1724% | 2,450 |
| Total risk-based capital ratio | 18.4153% | 2,436 |
| Memoranda: | ||
| Average total assets | $229,929,000 | 2,754 |
| Average earning assets | $218,506,000 | 2,661 |
| Average equity | $22,528,330 | 2,812 |
| Average total loans | $153,471,000 | 2,636 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 2,253 |
| Cost of funding earning assets | 1.2435% | 2,547 |
| Net interest margin | 3.9479% | 2,921 |
| Noninterest income to average assets | 1.0228% | 1,261 |
| Noninterest expense to average assets | 3.0017% | 3,642 |
| Loan and lease loss provision to assets | 0.1737% | 3,889 |
| Net operating income to assets | 1.6070% | 681 |
| Return on assets (ROA) | 1.6070% | 725 |
| Pretax return on assets | 1.6070% | 1,175 |
| Return on Equity (ROE) | 16.4408% | 632 |
| Retained earnings to average equity (ytd only) | 1.8128% | 5,028 |
| Net charge-offs to loans | -0.0522% | 6,900 |
| Credit loss provision to net charge-offs | -495.0000% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7660% | 5,559 |
| Assets per employee ($millions) | 3.9925% | 3,849 |
| Cash dividends to net income (ytd only)* | 88.9738% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 6,422 |
| Loan loss allowance to noncurrent loans | 98.2433% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 5,518 |
| Noncurrent loans to loans | 1.0119% | 5,033 |
| Net loans and leases to total assets | 64.9404% | 3,255 |
| Net loans and leases to deposits | 94.2721% | 801 |
| Net loans and leases to core deposits | 96.8344% | 1,610 |
| Total domestic deposits to total assets | 68.8862% | 7,235 |
| Equity capital to assets | 9.6245% | 4,287 |
| Core capital (leverage) ratio | 9.9235% | 3,241 |
| Tier 1 risk-based capital ratio | 17.4181% | 2,334 |
| Total risk-based capital ratio | 18.5916% | 2,336 |
| Memoranda: | ||
| Average total assets | $228,006,000 | 2,790 |
| Average earning assets | $217,127,000 | 2,699 |
| Average equity | $22,286,000 | 2,834 |
| Average total loans | $153,124,000 | 2,662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 2,345 |
| Cost of funding earning assets | 1.3814% | 3,378 |
| Net interest margin | 4.1047% | 2,539 |
| Noninterest income to average assets | 1.0526% | 1,351 |
| Noninterest expense to average assets | 3.0758% | 3,564 |
| Loan and lease loss provision to assets | 0.1774% | 5,448 |
| Net operating income to assets | 1.7023% | 512 |
| Return on assets (ROA) | 1.7023% | 557 |
| Pretax return on assets | 1.7023% | 935 |
| Return on Equity (ROE) | 17.8388% | 387 |
| Retained earnings to average equity (ytd only) | 8.7275% | 776 |
| Net charge-offs to loans | 0.1271% | 5,627 |
| Credit loss provision to net charge-offs | 207.2165% | 1,486 |
| Earnings coverage of net charge-offs (x) | 21.9536% | 943 |
| Efficiency ratio | 62.0680% | 5,722 |
| Assets per employee ($millions) | 3.8698% | 4,079 |
| Cash dividends to net income (ytd only)* | 51.0760% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,718 |
| Loan loss allowance to noncurrent loans | 4,636.6667% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 7,126 |
| Noncurrent loans to loans | 0.0194% | 7,098 |
| Net loans and leases to total assets | 68.1531% | 2,950 |
| Net loans and leases to deposits | 100.4188% | 552 |
| Net loans and leases to core deposits | 103.1894% | 1,375 |
| Total domestic deposits to total assets | 67.8689% | 7,328 |
| Equity capital to assets | 9.9289% | 3,843 |
| Core capital (leverage) ratio | 9.9330% | 3,159 |
| Tier 1 risk-based capital ratio | 17.4217% | 2,201 |
| Total risk-based capital ratio | 18.5078% | 2,212 |
| Memoranda: | ||
| Average total assets | $226,575,600 | 2,794 |
| Average earning assets | $215,434,000 | 2,682 |
| Average equity | $21,621,400 | 2,927 |
| Average total loans | $152,603,200 | 2,728 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 2,449 |
| Cost of funding earning assets | 1.3939% | 3,619 |
| Net interest margin | 4.0996% | 2,620 |
| Noninterest income to average assets | 1.0262% | 1,391 |
| Noninterest expense to average assets | 2.9706% | 3,856 |
| Loan and lease loss provision to assets | 0.1773% | 5,263 |
| Net operating income to assets | 1.7753% | 544 |
| Return on assets (ROA) | 1.7753% | 589 |
| Pretax return on assets | 1.7753% | 969 |
| Return on Equity (ROE) | 18.7919% | 405 |
| Retained earnings to average equity (ytd only) | 9.8434% | 832 |
| Net charge-offs to loans | 0.0929% | 5,599 |
| Credit loss provision to net charge-offs | 284.9057% | 1,136 |
| Earnings coverage of net charge-offs (x) | 31.3773% | 851 |
| Efficiency ratio | 60.3387% | 5,900 |
| Assets per employee ($millions) | 3.7640% | 4,358 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 6,754 |
| Loan loss allowance to noncurrent loans | 2,337.2881% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 7,160 |
| Noncurrent loans to loans | 0.0384% | 7,150 |
| Net loans and leases to total assets | 68.5809% | 3,076 |
| Net loans and leases to deposits | 101.9732% | 536 |
| Net loans and leases to core deposits | 105.0598% | 1,396 |
| Total domestic deposits to total assets | 67.2539% | 7,414 |
| Equity capital to assets | 10.1493% | 3,949 |
| Core capital (leverage) ratio | 9.7714% | 3,523 |
| Tier 1 risk-based capital ratio | 17.2630% | 2,257 |
| Total risk-based capital ratio | 18.3446% | 2,267 |
| Memoranda: | ||
| Average total assets | $227,108,000 | 2,827 |
| Average earning assets | $215,883,750 | 2,713 |
| Average equity | $21,455,500 | 2,988 |
| Average total loans | $152,164,500 | 2,777 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 2,721 |
| Cost of funding earning assets | 1.4028% | 3,860 |
| Net interest margin | 4.0538% | 2,772 |
| Noninterest income to average assets | 0.9939% | 1,395 |
| Noninterest expense to average assets | 2.9171% | 4,012 |
| Loan and lease loss provision to assets | 0.1757% | 5,106 |
| Net operating income to assets | 1.7562% | 521 |
| Return on assets (ROA) | 1.7562% | 570 |
| Pretax return on assets | 1.7562% | 953 |
| Return on Equity (ROE) | 19.0478% | 382 |
| Retained earnings to average equity (ytd only) | 11.0361% | 649 |
| Net charge-offs to loans | 0.0316% | 5,899 |
| Credit loss provision to net charge-offs | 837.5000% | 446 |
| Earnings coverage of net charge-offs (x) | 92.0833% | 356 |
| Efficiency ratio | 60.1586% | 6,020 |
| Assets per employee ($millions) | 3.8771% | 4,041 |
| Cash dividends to net income (ytd only)* | 42.0607% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 6,786 |
| Loan loss allowance to noncurrent loans | 1,142.8571% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 7,260 |
| Noncurrent loans to loans | 0.0780% | 7,112 |
| Net loans and leases to total assets | 66.0727% | 3,815 |
| Net loans and leases to deposits | 97.5657% | 917 |
| Net loans and leases to core deposits | 99.7993% | 2,043 |
| Total domestic deposits to total assets | 67.7212% | 7,438 |
| Equity capital to assets | 9.6384% | 4,490 |
| Core capital (leverage) ratio | 9.5141% | 3,802 |
| Tier 1 risk-based capital ratio | 16.8230% | 2,354 |
| Total risk-based capital ratio | 17.8828% | 2,376 |
| Memoranda: | ||
| Average total assets | $228,785,670 | 2,827 |
| Average earning assets | $217,572,330 | 2,710 |
| Average equity | $21,094,330 | 3,025 |
| Average total loans | $151,659,330 | 2,804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 2,978 |
| Cost of funding earning assets | 1.4442% | 3,911 |
| Net interest margin | 3.9687% | 2,999 |
| Noninterest income to average assets | 0.8391% | 1,845 |
| Noninterest expense to average assets | 2.9388% | 3,917 |
| Loan and lease loss provision to assets | 0.1766% | 4,754 |
| Net operating income to assets | 1.5000% | 894 |
| Return on assets (ROA) | 1.5000% | 963 |
| Pretax return on assets | 1.5000% | 1,515 |
| Return on Equity (ROE) | 16.6461% | 639 |
| Retained earnings to average equity (ytd only) | 11.7958% | 781 |
| Net charge-offs to loans | 0.0132% | 5,397 |
| Credit loss provision to net charge-offs | 2,020.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 191.8000% | 177 |
| Efficiency ratio | 63.6742% | 5,554 |
| Assets per employee ($millions) | 3.9873% | 3,901 |
| Cash dividends to net income (ytd only)* | 29.1375% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 7,003 |
| Loan loss allowance to noncurrent loans | 259.4320% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,926 |
| Noncurrent loans to loans | 0.3259% | 6,647 |
| Net loans and leases to total assets | 64.8506% | 4,130 |
| Net loans and leases to deposits | 98.1223% | 897 |
| Net loans and leases to core deposits | 100.9334% | 2,036 |
| Total domestic deposits to total assets | 66.0916% | 7,613 |
| Equity capital to assets | 9.0144% | 5,255 |
| Core capital (leverage) ratio | 9.2273% | 4,176 |
| Tier 1 risk-based capital ratio | 16.5004% | 2,451 |
| Total risk-based capital ratio | 17.5037% | 2,499 |
| Memoranda: | ||
| Average total assets | $228,803,000 | 2,888 |
| Average earning assets | $217,702,000 | 2,767 |
| Average equity | $20,617,500 | 3,116 |
| Average total loans | $151,238,000 | 2,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 2,854 |
| Cost of funding earning assets | 1.8985% | 3,469 |
| Net interest margin | 3.8536% | 3,468 |
| Noninterest income to average assets | 0.9565% | 1,722 |
| Noninterest expense to average assets | 2.9605% | 4,301 |
| Loan and lease loss provision to assets | 0.1291% | 6,349 |
| Net operating income to assets | 1.5126% | 653 |
| Return on assets (ROA) | 1.5179% | 692 |
| Pretax return on assets | 1.5179% | 1,139 |
| Return on Equity (ROE) | 16.6843% | 487 |
| Retained earnings to average equity (ytd only) | 5.9310% | 1,376 |
| Net charge-offs to loans | 0.2100% | 5,314 |
| Credit loss provision to net charge-offs | 93.9873% | 5,851 |
| Earnings coverage of net charge-offs (x) | 11.9494% | 1,555 |
| Efficiency ratio | 64.3269% | 5,713 |
| Assets per employee ($millions) | 3.9024% | 4,019 |
| Cash dividends to net income (ytd only)* | 64.4514% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 7,186 |
| Loan loss allowance to noncurrent loans | 249.0526% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 6,944 |
| Noncurrent loans to loans | 0.3141% | 6,655 |
| Net loans and leases to total assets | 66.2882% | 4,081 |
| Net loans and leases to deposits | 102.4136% | 728 |
| Net loans and leases to core deposits | 117.1129% | 2,218 |
| Total domestic deposits to total assets | 64.7259% | 7,680 |
| Equity capital to assets | 9.0076% | 5,134 |
| Core capital (leverage) ratio | 8.8551% | 4,672 |
| Tier 1 risk-based capital ratio | 15.9900% | 2,529 |
| Total risk-based capital ratio | 16.9161% | 2,597 |
| Memoranda: | ||
| Average total assets | $229,994,200 | 2,824 |
| Average earning assets | $217,588,400 | 2,736 |
| Average equity | $20,923,800 | 3,083 |
| Average total loans | $150,509,800 | 2,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 3,039 |
| Cost of funding earning assets | 1.9991% | 3,364 |
| Net interest margin | 3.7671% | 3,789 |
| Noninterest income to average assets | 0.9568% | 1,756 |
| Noninterest expense to average assets | 2.8952% | 4,471 |
| Loan and lease loss provision to assets | 0.1138% | 6,230 |
| Net operating income to assets | 1.5071% | 797 |
| Return on assets (ROA) | 1.5140% | 846 |
| Pretax return on assets | 1.5140% | 1,371 |
| Return on Equity (ROE) | 16.6015% | 588 |
| Retained earnings to average equity (ytd only) | 5.9011% | 2,002 |
| Net charge-offs to loans | 0.1836% | 4,919 |
| Credit loss provision to net charge-offs | 95.1691% | 5,335 |
| Earnings coverage of net charge-offs (x) | 13.5605% | 1,671 |
| Efficiency ratio | 64.1094% | 5,731 |
| Assets per employee ($millions) | 3.9608% | 3,801 |
| Cash dividends to net income (ytd only)* | 64.4547% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,158 |
| Loan loss allowance to noncurrent loans | 3,405.7143% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 7,331 |
| Noncurrent loans to loans | 0.0232% | 7,464 |
| Net loans and leases to total assets | 65.2460% | 4,592 |
| Net loans and leases to deposits | 102.6644% | 869 |
| Net loans and leases to core deposits | 118.0907% | 2,405 |
| Total domestic deposits to total assets | 63.5527% | 7,784 |
| Equity capital to assets | 9.6509% | 4,552 |
| Core capital (leverage) ratio | 8.6599% | 5,207 |
| Tier 1 risk-based capital ratio | 15.5837% | 2,776 |
| Total risk-based capital ratio | 16.5071% | 2,870 |
| Memoranda: | ||
| Average total assets | $230,907,250 | 2,837 |
| Average earning assets | $218,162,750 | 2,742 |
| Average equity | $21,057,750 | 3,092 |
| Average total loans | $150,332,000 | 2,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 3,218 |
| Cost of funding earning assets | 2.1089% | 3,226 |
| Net interest margin | 3.6563% | 4,133 |
| Noninterest income to average assets | 0.9356% | 1,817 |
| Noninterest expense to average assets | 2.8923% | 4,525 |
| Loan and lease loss provision to assets | 0.1089% | 6,065 |
| Net operating income to assets | 1.3852% | 1,056 |
| Return on assets (ROA) | 1.3947% | 1,106 |
| Pretax return on assets | 1.3947% | 1,743 |
| Return on Equity (ROE) | 15.5946% | 748 |
| Retained earnings to average equity (ytd only) | 5.2498% | 2,368 |
| Net charge-offs to loans | 0.0666% | 5,570 |
| Credit loss provision to net charge-offs | 252.0000% | 1,849 |
| Earnings coverage of net charge-offs (x) | 34.5600% | 903 |
| Efficiency ratio | 65.9373% | 5,555 |
| Assets per employee ($millions) | 3.9760% | 3,724 |
| Cash dividends to net income (ytd only)* | 66.3360% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 6,966 |
| Loan loss allowance to noncurrent loans | 1,121.0526% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 6,945 |
| Noncurrent loans to loans | 0.0762% | 7,336 |
| Net loans and leases to total assets | 63.2605% | 5,132 |
| Net loans and leases to deposits | 100.7837% | 1,200 |
| Net loans and leases to core deposits | 115.7215% | 2,735 |
| Total domestic deposits to total assets | 62.7686% | 7,871 |
| Equity capital to assets | 8.9895% | 5,334 |
| Core capital (leverage) ratio | 8.3605% | 5,695 |
| Tier 1 risk-based capital ratio | 15.1515% | 2,957 |
| Total risk-based capital ratio | 16.1330% | 3,003 |
| Memoranda: | ||
| Average total assets | $231,300,000 | 2,847 |
| Average earning assets | $218,309,670 | 2,762 |
| Average equity | $20,686,670 | 3,148 |
| Average total loans | $150,082,330 | 2,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 3,284 |
| Cost of funding earning assets | 2.2031% | 3,152 |
| Net interest margin | 3.5999% | 4,317 |
| Noninterest income to average assets | 0.9005% | 1,851 |
| Noninterest expense to average assets | 2.9278% | 4,061 |
| Loan and lease loss provision to assets | 0.0975% | 5,708 |
| Net operating income to assets | 1.2732% | 1,449 |
| Return on assets (ROA) | 1.2732% | 1,549 |
| Pretax return on assets | 1.2732% | 2,363 |
| Return on Equity (ROE) | 14.2732% | 1,111 |
| Retained earnings to average equity (ytd only) | 4.5104% | 3,422 |
| Net charge-offs to loans | 0.0399% | 4,935 |
| Credit loss provision to net charge-offs | 373.3333% | 1,381 |
| Earnings coverage of net charge-offs (x) | 52.4667% | 695 |
| Efficiency ratio | 68.1118% | 4,946 |
| Assets per employee ($millions) | 4.0387% | 3,581 |
| Cash dividends to net income (ytd only)* | 68.3995% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 7,051 |
| Loan loss allowance to noncurrent loans | 757.9268% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 6,687 |
| Noncurrent loans to loans | 0.1093% | 7,217 |
| Net loans and leases to total assets | 63.4994% | 5,072 |
| Net loans and leases to deposits | 102.1959% | 1,157 |
| Net loans and leases to core deposits | 118.1644% | 2,583 |
| Total domestic deposits to total assets | 62.1350% | 7,908 |
| Equity capital to assets | 9.0410% | 5,306 |
| Core capital (leverage) ratio | 8.4669% | 5,602 |
| Tier 1 risk-based capital ratio | 14.9242% | 3,109 |
| Total risk-based capital ratio | 15.8788% | 3,173 |
| Memoranda: | ||
| Average total assets | $229,658,000 | 2,875 |
| Average earning assets | $216,785,000 | 2,797 |
| Average equity | $20,486,000 | 3,190 |
| Average total loans | $150,285,000 | 3,004 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3931% | 3,455 |
| Cost of funding earning assets | 2.7589% | 2,880 |
| Net interest margin | 3.6342% | 4,737 |
| Noninterest income to average assets | 1.2094% | 1,017 |
| Noninterest expense to average assets | 2.9045% | 4,435 |
| Loan and lease loss provision to assets | 0.1487% | 5,457 |
| Net operating income to assets | 1.6050% | 829 |
| Return on assets (ROA) | 1.6050% | 792 |
| Pretax return on assets | 1.6050% | 1,370 |
| Return on Equity (ROE) | 19.8154% | 391 |
| Retained earnings to average equity (ytd only) | 7.1852% | 1,093 |
| Net charge-offs to loans | 0.1889% | 4,297 |
| Credit loss provision to net charge-offs | 114.7368% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.5333% | 2,124 |
| Efficiency ratio | 62.3524% | 5,887 |
| Assets per employee ($millions) | 3.8806% | 3,780 |
| Cash dividends to net income (ytd only)* | 63.7394% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 7,116 |
| Loan loss allowance to noncurrent loans | 1,001.6667% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,679 |
| Noncurrent loans to loans | 0.0797% | 7,185 |
| Net loans and leases to total assets | 66.3705% | 4,776 |
| Net loans and leases to deposits | 107.3501% | 1,015 |
| Net loans and leases to core deposits | 121.9067% | 2,515 |
| Total domestic deposits to total assets | 61.8262% | 7,893 |
| Equity capital to assets | 8.7945% | 5,659 |
| Core capital (leverage) ratio | 8.6123% | 5,356 |
| Tier 1 risk-based capital ratio | 14.8563% | 3,123 |
| Total risk-based capital ratio | 15.7871% | 3,200 |
| Memoranda: | ||
| Average total assets | $219,935,000 | 2,877 |
| Average earning assets | $208,709,200 | 2,789 |
| Average equity | $17,814,400 | 3,586 |
| Average total loans | $150,844,200 | 2,911 |