Home > Cowboy Bank > Performance and Condition Ratios
Cowboy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1713% | 515 |
| Cost of funding earning assets | 1.3549% | 2,345 |
| Net interest margin | 4.8164% | 408 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.1835% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.4700% | 247 |
| Return on assets (ROA) | 2.4768% | 237 |
| Pretax return on assets | 2.5952% | 304 |
| Return on Equity (ROE) | 21.7700% | 473 |
| Retained earnings to average equity (ytd only) | 1.7519% | 3,641 |
| Net charge-offs to loans | -0.0374% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 40.0537% | 4,360 |
| Assets per employee ($millions) | 8.3534% | 1,246 |
| Cash dividends to net income (ytd only)* | 91.9540% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,024 |
| Loan loss allowance to noncurrent loans | 512.3047% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,568 |
| Noncurrent loans to loans | 0.2070% | 2,479 |
| Net loans and leases to total assets | 68.1300% | 2,022 |
| Net loans and leases to deposits | 78.1171% | 2,248 |
| Net loans and leases to core deposits | 83.9604% | 2,451 |
| Total domestic deposits to total assets | 87.2100% | 1,611 |
| Equity capital to assets | 10.9249% | 1,509 |
| Core capital (leverage) ratio | 10.4953% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $351,265,200 | 2,192 |
| Average earning assets | $318,909,800 | 2,210 |
| Average equity | $39,955,600 | 1,889 |
| Average total loans | $248,722,400 | 2,007 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0972% | 470 |
| Cost of funding earning assets | 1.2331% | 2,323 |
| Net interest margin | 4.8641% | 375 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1342% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5800% | 246 |
| Return on assets (ROA) | 2.5885% | 238 |
| Pretax return on assets | 2.6717% | 326 |
| Return on Equity (ROE) | 22.5300% | 520 |
| Retained earnings to average equity (ytd only) | 9.2388% | 1,625 |
| Net charge-offs to loans | -0.0509% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.7828% | 4,386 |
| Assets per employee ($millions) | 7.5114% | 1,622 |
| Cash dividends to net income (ytd only)* | 58.9883% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 2,688 |
| Loan loss allowance to noncurrent loans | 486.8275% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,519 |
| Noncurrent loans to loans | 0.2336% | 2,416 |
| Net loans and leases to total assets | 67.4800% | 2,114 |
| Net loans and leases to deposits | 78.6740% | 2,175 |
| Net loans and leases to core deposits | 84.7850% | 2,275 |
| Total domestic deposits to total assets | 85.7700% | 2,264 |
| Equity capital to assets | 12.0242% | 1,036 |
| Core capital (leverage) ratio | 11.6423% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $349,282,000 | 2,204 |
| Average earning assets | $316,377,500 | 2,223 |
| Average equity | $40,134,000 | 1,865 |
| Average total loans | $249,068,250 | 2,005 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9904% | 444 |
| Cost of funding earning assets | 1.1079% | 2,259 |
| Net interest margin | 4.8825% | 356 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.0774% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6573% | 206 |
| Return on assets (ROA) | 2.6694% | 202 |
| Pretax return on assets | 2.7521% | 263 |
| Return on Equity (ROE) | 23.5800% | 454 |
| Retained earnings to average equity (ytd only) | 13.5721% | 736 |
| Net charge-offs to loans | -0.0729% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.4912% | 4,438 |
| Assets per employee ($millions) | 7.4518% | 1,630 |
| Cash dividends to net income (ytd only)* | 42.4448% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,063 |
| Loan loss allowance to noncurrent loans | 300.0000% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 1,899 |
| Noncurrent loans to loans | 0.3588% | 1,846 |
| Net loans and leases to total assets | 71.8600% | 1,549 |
| Net loans and leases to deposits | 83.8055% | 1,685 |
| Net loans and leases to core deposits | 90.4400% | 1,769 |
| Total domestic deposits to total assets | 85.7400% | 2,318 |
| Equity capital to assets | 12.1534% | 1,008 |
| Core capital (leverage) ratio | 11.3303% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $353,039,000 | 2,191 |
| Average earning assets | $320,778,000 | 2,219 |
| Average equity | $39,964,333 | 1,882 |
| Average total loans | $255,187,333 | 1,981 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8089% | 411 |
| Cost of funding earning assets | 1.0248% | 1,966 |
| Net interest margin | 4.7841% | 383 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.0017% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.6162% | 215 |
| Return on assets (ROA) | 2.6162% | 213 |
| Pretax return on assets | 2.7024% | 285 |
| Return on Equity (ROE) | 23.9300% | 457 |
| Retained earnings to average equity (ytd only) | 23.9275% | 210 |
| Net charge-offs to loans | -0.1410% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.9101% | 4,515 |
| Assets per employee ($millions) | 7.8987% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,481 |
| Loan loss allowance to noncurrent loans | 163.6080% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 1,135 |
| Noncurrent loans to loans | 0.6162% | 1,215 |
| Net loans and leases to total assets | 72.4000% | 1,384 |
| Net loans and leases to deposits | 85.9450% | 1,354 |
| Net loans and leases to core deposits | 92.2056% | 1,497 |
| Total domestic deposits to total assets | 84.2400% | 3,047 |
| Equity capital to assets | 11.5234% | 1,146 |
| Core capital (leverage) ratio | 10.9011% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $361,894,000 | 2,191 |
| Average earning assets | $329,425,000 | 2,218 |
| Average equity | $39,569,500 | 1,918 |
| Average total loans | $260,989,500 | 1,966 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 351 |
| Cost of funding earning assets | 0.4319% | 1,849 |
| Net interest margin | 4.4916% | 297 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2504% | 2,893 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 2.0446% | 272 |
| Return on assets (ROA) | 2.0501% | 261 |
| Pretax return on assets | 2.1464% | 350 |
| Return on Equity (ROE) | 18.0300% | 698 |
| Retained earnings to average equity (ytd only) | 0.3906% | 4,286 |
| Net charge-offs to loans | -0.0042% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.3218% | 4,450 |
| Assets per employee ($millions) | 7.8371% | 1,417 |
| Cash dividends to net income (ytd only)* | 97.8337% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 3,548 |
| Loan loss allowance to noncurrent loans | 113.1720% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 823 |
| Noncurrent loans to loans | 0.8519% | 878 |
| Net loans and leases to total assets | 70.4500% | 1,592 |
| Net loans and leases to deposits | 80.7267% | 1,720 |
| Net loans and leases to core deposits | 86.8015% | 1,692 |
| Total domestic deposits to total assets | 87.2700% | 2,301 |
| Equity capital to assets | 10.3653% | 1,527 |
| Core capital (leverage) ratio | 9.9342% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $349,005,600 | 2,231 |
| Average earning assets | $317,211,400 | 2,255 |
| Average equity | $39,677,800 | 1,925 |
| Average total loans | $240,509,200 | 1,997 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 391 |
| Cost of funding earning assets | 0.3579% | 1,638 |
| Net interest margin | 4.2884% | 344 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.1853% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1387% | 232 |
| Return on assets (ROA) | 2.1446% | 229 |
| Pretax return on assets | 2.2326% | 303 |
| Return on Equity (ROE) | 18.4300% | 586 |
| Retained earnings to average equity (ytd only) | 8.4421% | 1,838 |
| Net charge-offs to loans | -0.0040% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.2473% | 4,486 |
| Assets per employee ($millions) | 7.4036% | 1,674 |
| Cash dividends to net income (ytd only)* | 54.1908% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 4,096 |
| Loan loss allowance to noncurrent loans | 81.7255% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 769 |
| Noncurrent loans to loans | 0.9766% | 799 |
| Net loans and leases to total assets | 68.6900% | 1,594 |
| Net loans and leases to deposits | 80.1742% | 1,567 |
| Net loans and leases to core deposits | 89.4980% | 1,329 |
| Total domestic deposits to total assets | 85.6800% | 3,143 |
| Equity capital to assets | 11.6728% | 946 |
| Core capital (leverage) ratio | 10.9907% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $344,170,500 | 2,263 |
| Average earning assets | $312,153,500 | 2,290 |
| Average equity | $40,052,250 | 1,945 |
| Average total loans | $235,133,250 | 2,030 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 364 |
| Cost of funding earning assets | 0.3193% | 1,535 |
| Net interest margin | 4.2003% | 336 |
| Noninterest income to average assets | 0.5593% | 1,905 |
| Noninterest expense to average assets | 2.2012% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0744% | 197 |
| Return on assets (ROA) | 2.0816% | 193 |
| Pretax return on assets | 2.1715% | 262 |
| Return on Equity (ROE) | 17.9060% | 481 |
| Retained earnings to average equity (ytd only) | 2.8547% | 3,489 |
| Net charge-offs to loans | -0.0094% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0406% | 4,521 |
| Assets per employee ($millions) | 7.4903% | 1,609 |
| Cash dividends to net income (ytd only)* | 84.0572% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,101 |
| Loan loss allowance to noncurrent loans | 80.7628% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 784 |
| Noncurrent loans to loans | 1.0429% | 799 |
| Net loans and leases to total assets | 65.8383% | 1,715 |
| Net loans and leases to deposits | 76.5572% | 1,644 |
| Net loans and leases to core deposits | 85.5134% | 1,375 |
| Total domestic deposits to total assets | 85.9988% | 3,247 |
| Equity capital to assets | 11.3439% | 1,083 |
| Core capital (leverage) ratio | 10.4775% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,904,000 | 2,279 |
| Average earning assets | $310,690,667 | 2,322 |
| Average equity | $39,863,667 | 1,999 |
| Average total loans | $233,195,333 | 2,032 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 268 |
| Cost of funding earning assets | 0.2929% | 1,722 |
| Net interest margin | 4.2901% | 242 |
| Noninterest income to average assets | 0.3239% | 3,165 |
| Noninterest expense to average assets | 2.1901% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2503% | 1,117 |
| Return on assets (ROA) | 1.2512% | 1,101 |
| Pretax return on assets | 2.0054% | 351 |
| Return on Equity (ROE) | 10.7098% | 1,722 |
| Retained earnings to average equity (ytd only) | -19.3176% | 4,695 |
| Net charge-offs to loans | -0.0017% | 3,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5534% | 4,512 |
| Assets per employee ($millions) | 7.2254% | 1,834 |
| Cash dividends to net income (ytd only)* | 280.3738% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 4,231 |
| Loan loss allowance to noncurrent loans | 83.4930% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 856 |
| Noncurrent loans to loans | 0.9674% | 937 |
| Net loans and leases to total assets | 69.3218% | 1,083 |
| Net loans and leases to deposits | 81.0034% | 1,076 |
| Net loans and leases to core deposits | 90.2584% | 914 |
| Total domestic deposits to total assets | 85.5789% | 3,390 |
| Equity capital to assets | 11.2458% | 1,216 |
| Core capital (leverage) ratio | 9.7781% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,078,500 | 2,293 |
| Average earning assets | $308,618,500 | 2,341 |
| Average equity | $39,963,500 | 2,054 |
| Average total loans | $235,405,000 | 2,017 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 377 |
| Cost of funding earning assets | 0.3290% | 2,131 |
| Net interest margin | 4.4432% | 305 |
| Noninterest income to average assets | 0.4076% | 3,008 |
| Noninterest expense to average assets | 2.1850% | 3,132 |
| Loan and lease loss provision to assets | 0.1824% | 628 |
| Net operating income to assets | 1.9950% | 342 |
| Return on assets (ROA) | 2.0032% | 355 |
| Pretax return on assets | 2.1012% | 494 |
| Return on Equity (ROE) | 16.2766% | 710 |
| Retained earnings to average equity (ytd only) | 9.0350% | 1,192 |
| Net charge-offs to loans | 0.0004% | 2,688 |
| Credit loss provision to net charge-offs | 61,400.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 7,658.0000% | 9 |
| Efficiency ratio | 48.9909% | 4,351 |
| Assets per employee ($millions) | 6.5012% | 2,333 |
| Cash dividends to net income (ytd only)* | 44.4906% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 4,235 |
| Loan loss allowance to noncurrent loans | 97.2095% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 1,156 |
| Noncurrent loans to loans | 0.8442% | 1,203 |
| Net loans and leases to total assets | 67.2052% | 1,346 |
| Net loans and leases to deposits | 79.1716% | 1,284 |
| Net loans and leases to core deposits | 88.1038% | 1,071 |
| Total domestic deposits to total assets | 84.8855% | 3,306 |
| Equity capital to assets | 12.1130% | 1,208 |
| Core capital (leverage) ratio | 10.5388% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8953% | 1,891 |
| Memoranda: | ||
| Average total assets | $336,611,000 | 2,267 |
| Average earning assets | $307,005,400 | 2,295 |
| Average equity | $41,427,600 | 2,033 |
| Average total loans | $232,205,800 | 2,036 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 343 |
| Cost of funding earning assets | 0.3397% | 2,204 |
| Net interest margin | 4.5875% | 272 |
| Noninterest income to average assets | 0.3973% | 3,096 |
| Noninterest expense to average assets | 2.1664% | 3,181 |
| Loan and lease loss provision to assets | 0.1593% | 695 |
| Net operating income to assets | 2.2249% | 309 |
| Return on assets (ROA) | 2.2249% | 328 |
| Pretax return on assets | 2.2735% | 484 |
| Return on Equity (ROE) | 18.0051% | 629 |
| Retained earnings to average equity (ytd only) | 18.0051% | 198 |
| Net charge-offs to loans | 0.0006% | 2,434 |
| Credit loss provision to net charge-offs | 40,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 6,106.0000% | 18 |
| Efficiency ratio | 47.1021% | 4,435 |
| Assets per employee ($millions) | 6.6095% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 4,338 |
| Loan loss allowance to noncurrent loans | 75.1213% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 1,093 |
| Noncurrent loans to loans | 1.0715% | 1,059 |
| Net loans and leases to total assets | 63.5032% | 1,835 |
| Net loans and leases to deposits | 76.1224% | 1,657 |
| Net loans and leases to core deposits | 84.3625% | 1,397 |
| Total domestic deposits to total assets | 83.4225% | 3,605 |
| Equity capital to assets | 13.2937% | 905 |
| Core capital (leverage) ratio | 10.8368% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7554% | 1,407 |
| Memoranda: | ||
| Average total assets | $334,622,750 | 2,289 |
| Average earning assets | $306,505,000 | 2,327 |
| Average equity | $41,350,250 | 2,062 |
| Average total loans | $231,887,000 | 2,075 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 236 |
| Cost of funding earning assets | 0.3308% | 2,480 |
| Net interest margin | 4.9252% | 183 |
| Noninterest income to average assets | 0.3649% | 3,275 |
| Noninterest expense to average assets | 2.1517% | 3,234 |
| Loan and lease loss provision to assets | 0.1190% | 1,059 |
| Net operating income to assets | 2.5726% | 202 |
| Return on assets (ROA) | 2.5726% | 214 |
| Pretax return on assets | 2.6232% | 296 |
| Return on Equity (ROE) | 21.3487% | 362 |
| Retained earnings to average equity (ytd only) | 21.3487% | 121 |
| Net charge-offs to loans | 0.0008% | 2,212 |
| Credit loss provision to net charge-offs | 20,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 4,607.0000% | 15 |
| Efficiency ratio | 43.9674% | 4,619 |
| Assets per employee ($millions) | 6.9655% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,592 |
| Loan loss allowance to noncurrent loans | 52.2404% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 926 |
| Noncurrent loans to loans | 1.2630% | 940 |
| Net loans and leases to total assets | 66.3469% | 1,656 |
| Net loans and leases to deposits | 79.8527% | 1,438 |
| Net loans and leases to core deposits | 88.5770% | 1,232 |
| Total domestic deposits to total assets | 83.0866% | 3,685 |
| Equity capital to assets | 12.4737% | 1,142 |
| Core capital (leverage) ratio | 10.2655% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6417% | 1,744 |
| Memoranda: | ||
| Average total assets | $336,006,000 | 2,275 |
| Average earning assets | $308,981,000 | 2,294 |
| Average equity | $40,489,667 | 2,083 |
| Average total loans | $238,661,333 | 2,043 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8421% | 132 |
| Cost of funding earning assets | 0.3418% | 2,598 |
| Net interest margin | 5.5003% | 103 |
| Noninterest income to average assets | 0.3444% | 3,373 |
| Noninterest expense to average assets | 2.1347% | 3,315 |
| Loan and lease loss provision to assets | 0.2400% | 450 |
| Net operating income to assets | 1.9103% | 656 |
| Return on assets (ROA) | 1.9103% | 703 |
| Pretax return on assets | 3.0670% | 219 |
| Return on Equity (ROE) | 16.3372% | 952 |
| Retained earnings to average equity (ytd only) | 16.3372% | 481 |
| Net charge-offs to loans | 0.0016% | 1,874 |
| Credit loss provision to net charge-offs | 20,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 2,756.0000% | 19 |
| Efficiency ratio | 39.2282% | 4,766 |
| Assets per employee ($millions) | 7.4542% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 4,681 |
| Loan loss allowance to noncurrent loans | 51.1217% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 1,033 |
| Noncurrent loans to loans | 1.1874% | 1,113 |
| Net loans and leases to total assets | 71.8177% | 1,052 |
| Net loans and leases to deposits | 85.1909% | 1,028 |
| Net loans and leases to core deposits | 94.1008% | 976 |
| Total domestic deposits to total assets | 84.3021% | 3,341 |
| Equity capital to assets | 11.5541% | 1,507 |
| Core capital (leverage) ratio | 9.4064% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0659% | 2,265 |
| Memoranda: | ||
| Average total assets | $333,354,500 | 2,268 |
| Average earning assets | $308,927,500 | 2,275 |
| Average equity | $38,978,500 | 2,126 |
| Average total loans | $244,016,000 | 2,000 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 442 |
| Cost of funding earning assets | 0.6864% | 1,794 |
| Net interest margin | 4.3635% | 440 |
| Noninterest income to average assets | 0.3785% | 3,221 |
| Noninterest expense to average assets | 2.2689% | 3,491 |
| Loan and lease loss provision to assets | 0.3384% | 1,037 |
| Net operating income to assets | 1.7366% | 456 |
| Return on assets (ROA) | 1.7481% | 477 |
| Pretax return on assets | 1.7912% | 697 |
| Return on Equity (ROE) | 14.2667% | 753 |
| Retained earnings to average equity (ytd only) | 0.4326% | 4,384 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7212% | 4,404 |
| Assets per employee ($millions) | 6.8897% | 1,652 |
| Cash dividends to net income (ytd only)* | 96.9676% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 4,762 |
| Loan loss allowance to noncurrent loans | 42.8852% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 1,025 |
| Noncurrent loans to loans | 1.2723% | 1,076 |
| Net loans and leases to total assets | 73.7948% | 1,052 |
| Net loans and leases to deposits | 87.8190% | 1,110 |
| Net loans and leases to core deposits | 98.2376% | 998 |
| Total domestic deposits to total assets | 84.0305% | 3,099 |
| Equity capital to assets | 11.8397% | 1,657 |
| Core capital (leverage) ratio | 9.2462% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5508% | 2,423 |
| Memoranda: | ||
| Average total assets | $324,473,600 | 2,165 |
| Average earning assets | $298,061,400 | 2,195 |
| Average equity | $39,756,800 | 2,028 |
| Average total loans | $238,377,800 | 1,979 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 344 |
| Cost of funding earning assets | 0.7715% | 1,625 |
| Net interest margin | 4.5266% | 352 |
| Noninterest income to average assets | 0.3622% | 3,292 |
| Noninterest expense to average assets | 2.2938% | 3,439 |
| Loan and lease loss provision to assets | 0.4032% | 867 |
| Net operating income to assets | 1.7766% | 478 |
| Return on assets (ROA) | 1.7919% | 516 |
| Pretax return on assets | 1.8330% | 738 |
| Return on Equity (ROE) | 14.5026% | 793 |
| Retained earnings to average equity (ytd only) | 14.5026% | 226 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8097% | 4,436 |
| Assets per employee ($millions) | 6.9338% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4972% | 4,814 |
| Loan loss allowance to noncurrent loans | 32.9925% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1222% | 929 |
| Noncurrent loans to loans | 1.5071% | 947 |
| Net loans and leases to total assets | 73.3204% | 1,453 |
| Net loans and leases to deposits | 89.8474% | 1,280 |
| Net loans and leases to core deposits | 101.1360% | 1,083 |
| Total domestic deposits to total assets | 81.6054% | 3,516 |
| Equity capital to assets | 13.0277% | 1,170 |
| Core capital (leverage) ratio | 10.5273% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,637,750 | 2,146 |
| Average earning assets | $297,784,750 | 2,166 |
| Average equity | $40,111,250 | 2,012 |
| Average total loans | $237,904,500 | 1,983 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 807 |
| Cost of funding earning assets | 0.8647% | 1,522 |
| Net interest margin | 4.1463% | 1,026 |
| Noninterest income to average assets | 0.9167% | 1,130 |
| Noninterest expense to average assets | 2.3336% | 3,438 |
| Loan and lease loss provision to assets | 0.4256% | 926 |
| Net operating income to assets | 1.9413% | 373 |
| Return on assets (ROA) | 1.9431% | 418 |
| Pretax return on assets | 1.9573% | 597 |
| Return on Equity (ROE) | 16.0184% | 561 |
| Retained earnings to average equity (ytd only) | 16.0184% | 172 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4963% | 4,532 |
| Assets per employee ($millions) | 6.7189% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3620% | 4,928 |
| Loan loss allowance to noncurrent loans | 55.7752% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 2,209 |
| Noncurrent loans to loans | 0.6491% | 2,241 |
| Net loans and leases to total assets | 73.9791% | 1,414 |
| Net loans and leases to deposits | 89.6993% | 1,380 |
| Net loans and leases to core deposits | 102.9630% | 1,064 |
| Total domestic deposits to total assets | 82.4745% | 3,245 |
| Equity capital to assets | 12.2770% | 1,495 |
| Core capital (leverage) ratio | 9.5850% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1462% | 2,117 |
| Memoranda: | ||
| Average total assets | $324,220,667 | 2,122 |
| Average earning assets | $296,988,000 | 2,142 |
| Average equity | $39,329,667 | 2,024 |
| Average total loans | $237,160,333 | 1,971 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 496 |
| Cost of funding earning assets | 0.9885% | 1,470 |
| Net interest margin | 4.3617% | 678 |
| Noninterest income to average assets | 0.4071% | 3,049 |
| Noninterest expense to average assets | 2.3797% | 3,579 |
| Loan and lease loss provision to assets | 0.6647% | 398 |
| Net operating income to assets | 1.3544% | 1,094 |
| Return on assets (ROA) | 1.3582% | 1,168 |
| Pretax return on assets | 1.3582% | 1,695 |
| Return on Equity (ROE) | 11.2685% | 1,339 |
| Retained earnings to average equity (ytd only) | 11.2685% | 530 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0988% | 4,391 |
| Assets per employee ($millions) | 6.3196% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3177% | 4,984 |
| Loan loss allowance to noncurrent loans | 56.8147% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 2,619 |
| Noncurrent loans to loans | 0.5592% | 2,602 |
| Net loans and leases to total assets | 72.2308% | 1,883 |
| Net loans and leases to deposits | 85.9211% | 2,014 |
| Net loans and leases to core deposits | 101.3756% | 1,370 |
| Total domestic deposits to total assets | 84.0663% | 2,770 |
| Equity capital to assets | 12.0540% | 2,027 |
| Core capital (leverage) ratio | 9.6442% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1260% | 2,646 |
| Memoranda: | ||
| Average total assets | $318,358,500 | 2,102 |
| Average earning assets | $291,354,500 | 2,126 |
| Average equity | $38,372,500 | 2,049 |
| Average total loans | $231,024,500 | 1,983 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8748% | 5,170 |
| Cost of funding earning assets | 0.2228% | 4,910 |
| Net interest margin | 0.6520% | 5,168 |
| Noninterest income to average assets | 0.0696% | 4,994 |
| Noninterest expense to average assets | 0.4188% | 5,165 |
| Loan and lease loss provision to assets | 0.0699% | 2,602 |
| Net operating income to assets | 0.1850% | 4,852 |
| Return on assets (ROA) | 0.1850% | 4,873 |
| Pretax return on assets | 0.1850% | 4,897 |
| Return on Equity (ROE) | 1.6843% | 4,835 |
| Retained earnings to average equity (ytd only) | 1.6843% | 4,130 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1622% | 3,350 |
| Assets per employee ($millions) | 6.5504% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0941% | 5,108 |
| Loan loss allowance to noncurrent loans | 27.3885% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 3,192 |
| Noncurrent loans to loans | 0.3435% | 3,213 |
| Net loans and leases to total assets | 72.6081% | 1,992 |
| Net loans and leases to deposits | 86.3422% | 2,047 |
| Net loans and leases to core deposits | 103.4315% | 1,278 |
| Total domestic deposits to total assets | 84.0935% | 2,823 |
| Equity capital to assets | 12.0524% | 2,106 |
| Core capital (leverage) ratio | 9.8868% | 3,628 |
| Tier 1 risk-based capital ratio | 12.7808% | 3,903 |
| Total risk-based capital ratio | 12.8773% | 4,445 |
| Memoranda: | ||
| Average total assets | $307,549,000 | 2,121 |
| Average earning assets | $284,974,600 | 2,117 |
| Average equity | $33,782,200 | 2,197 |
| Average total loans | $227,167,400 | 1,975 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 1,027 |
| Cost of funding earning assets | 1.0980% | 1,367 |
| Net interest margin | 4.1114% | 1,588 |
| Noninterest income to average assets | 0.4708% | 2,902 |
| Noninterest expense to average assets | 2.2635% | 4,041 |
| Loan and lease loss provision to assets | 0.0419% | 3,063 |
| Net operating income to assets | 1.9836% | 408 |
| Return on assets (ROA) | 1.9871% | 423 |
| Pretax return on assets | 1.9871% | 708 |
| Return on Equity (ROE) | 18.5540% | 348 |
| Retained earnings to average equity (ytd only) | 8.9514% | 1,062 |
| Net charge-offs to loans | 0.0423% | 2,246 |
| Credit loss provision to net charge-offs | 133.3333% | 1,789 |
| Earnings coverage of net charge-offs (x) | 64.5261% | 1,013 |
| Efficiency ratio | 52.7750% | 4,529 |
| Assets per employee ($millions) | 5.6275% | 1,905 |
| Cash dividends to net income (ytd only)* | 51.7551% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 1,800 |
| Loan loss allowance to noncurrent loans | 112.2914% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 1,550 |
| Noncurrent loans to loans | 1.1936% | 1,311 |
| Net loans and leases to total assets | 73.0509% | 1,990 |
| Net loans and leases to deposits | 87.3437% | 2,017 |
| Net loans and leases to core deposits | 110.1401% | 944 |
| Total domestic deposits to total assets | 83.6362% | 2,957 |
| Equity capital to assets | 11.4161% | 2,722 |
| Core capital (leverage) ratio | 11.3567% | 2,336 |
| Tier 1 risk-based capital ratio | 15.1867% | 2,762 |
| Total risk-based capital ratio | 16.4375% | 2,693 |
| Memoranda: | ||
| Average total assets | $305,831,750 | 2,146 |
| Average earning assets | $284,014,250 | 2,138 |
| Average equity | $32,754,000 | 2,270 |
| Average total loans | $226,832,250 | 1,992 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 1,043 |
| Cost of funding earning assets | 1.1084% | 1,265 |
| Net interest margin | 4.0617% | 1,721 |
| Noninterest income to average assets | 0.4560% | 2,929 |
| Noninterest expense to average assets | 2.1520% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0878% | 337 |
| Return on assets (ROA) | 2.0924% | 342 |
| Pretax return on assets | 2.0924% | 560 |
| Return on Equity (ROE) | 19.9614% | 261 |
| Retained earnings to average equity (ytd only) | 9.5043% | 909 |
| Net charge-offs to loans | 0.0446% | 2,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 63.1176% | 954 |
| Efficiency ratio | 50.7572% | 4,740 |
| Assets per employee ($millions) | 5.6358% | 1,836 |
| Cash dividends to net income (ytd only)* | 52.3869% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,130 |
| Loan loss allowance to noncurrent loans | 178.0864% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 2,429 |
| Noncurrent loans to loans | 0.7145% | 2,198 |
| Net loans and leases to total assets | 73.5569% | 1,953 |
| Net loans and leases to deposits | 87.3442% | 2,079 |
| Net loans and leases to core deposits | 105.6004% | 1,273 |
| Total domestic deposits to total assets | 84.2150% | 2,775 |
| Equity capital to assets | 10.9617% | 3,106 |
| Core capital (leverage) ratio | 10.7655% | 2,823 |
| Tier 1 risk-based capital ratio | 14.6540% | 2,990 |
| Total risk-based capital ratio | 15.9041% | 2,919 |
| Memoranda: | ||
| Average total assets | $308,357,330 | 2,128 |
| Average earning assets | $287,266,330 | 2,113 |
| Average equity | $32,322,330 | 2,283 |
| Average total loans | $228,830,330 | 1,986 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 1,144 |
| Cost of funding earning assets | 1.0797% | 1,257 |
| Net interest margin | 3.9991% | 1,858 |
| Noninterest income to average assets | 0.4421% | 2,898 |
| Noninterest expense to average assets | 2.0840% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0814% | 338 |
| Return on assets (ROA) | 2.0865% | 352 |
| Pretax return on assets | 2.0865% | 540 |
| Return on Equity (ROE) | 20.3625% | 247 |
| Retained earnings to average equity (ytd only) | 7.4080% | 1,880 |
| Net charge-offs to loans | -0.0139% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0309% | 4,824 |
| Assets per employee ($millions) | 5.9595% | 1,584 |
| Cash dividends to net income (ytd only)* | 63.6195% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,235 |
| Loan loss allowance to noncurrent loans | 111.5574% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 1,663 |
| Noncurrent loans to loans | 1.1366% | 1,468 |
| Net loans and leases to total assets | 73.9751% | 1,812 |
| Net loans and leases to deposits | 87.2224% | 1,969 |
| Net loans and leases to core deposits | 104.0405% | 1,314 |
| Total domestic deposits to total assets | 84.8120% | 2,743 |
| Equity capital to assets | 10.3832% | 3,438 |
| Core capital (leverage) ratio | 10.3646% | 3,204 |
| Tier 1 risk-based capital ratio | 13.8936% | 3,397 |
| Total risk-based capital ratio | 15.1435% | 3,315 |
| Memoranda: | ||
| Average total assets | $310,369,500 | 2,123 |
| Average earning assets | $288,966,500 | 2,118 |
| Average equity | $31,803,500 | 2,310 |
| Average total loans | $229,874,000 | 1,996 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 1,552 |
| Cost of funding earning assets | 0.8503% | 1,303 |
| Net interest margin | 3.9462% | 2,174 |
| Noninterest income to average assets | 0.4995% | 2,837 |
| Noninterest expense to average assets | 2.3387% | 4,024 |
| Loan and lease loss provision to assets | 0.2516% | 681 |
| Net operating income to assets | 1.5956% | 878 |
| Return on assets (ROA) | 1.5962% | 866 |
| Pretax return on assets | 1.5962% | 1,482 |
| Return on Equity (ROE) | 15.5022% | 723 |
| Retained earnings to average equity (ytd only) | 4.3085% | 3,179 |
| Net charge-offs to loans | 0.2427% | 797 |
| Credit loss provision to net charge-offs | 140.0372% | 1,930 |
| Earnings coverage of net charge-offs (x) | 10.2812% | 2,737 |
| Efficiency ratio | 55.8708% | 4,426 |
| Assets per employee ($millions) | 5.9778% | 1,532 |
| Cash dividends to net income (ytd only)* | 72.2071% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,097 |
| Loan loss allowance to noncurrent loans | 163.6566% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 2,312 |
| Noncurrent loans to loans | 0.7884% | 2,036 |
| Net loans and leases to total assets | 72.2623% | 2,216 |
| Net loans and leases to deposits | 84.9179% | 2,418 |
| Net loans and leases to core deposits | 101.0727% | 1,635 |
| Total domestic deposits to total assets | 85.0967% | 2,607 |
| Equity capital to assets | 10.1112% | 3,559 |
| Core capital (leverage) ratio | 10.6401% | 2,897 |
| Tier 1 risk-based capital ratio | 13.6485% | 3,463 |
| Total risk-based capital ratio | 14.8984% | 3,383 |
| Memoranda: | ||
| Average total assets | $298,889,000 | 2,166 |
| Average earning assets | $279,202,000 | 2,139 |
| Average equity | $30,776,200 | 2,297 |
| Average total loans | $221,277,600 | 2,012 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 1,485 |
| Cost of funding earning assets | 0.8122% | 1,276 |
| Net interest margin | 3.9618% | 2,084 |
| Noninterest income to average assets | 0.4970% | 2,891 |
| Noninterest expense to average assets | 2.2120% | 4,297 |
| Loan and lease loss provision to assets | 0.2704% | 562 |
| Net operating income to assets | 1.7181% | 713 |
| Return on assets (ROA) | 1.7181% | 718 |
| Pretax return on assets | 1.7181% | 1,230 |
| Return on Equity (ROE) | 16.6070% | 596 |
| Retained earnings to average equity (ytd only) | 4.4773% | 3,509 |
| Net charge-offs to loans | 0.3301% | 504 |
| Credit loss provision to net charge-offs | 110.2941% | 2,105 |
| Earnings coverage of net charge-offs (x) | 8.1121% | 2,746 |
| Efficiency ratio | 52.6604% | 4,740 |
| Assets per employee ($millions) | 5.9906% | 1,494 |
| Cash dividends to net income (ytd only)* | 73.0396% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,237 |
| Loan loss allowance to noncurrent loans | 143.2921% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 2,180 |
| Noncurrent loans to loans | 0.8887% | 1,919 |
| Net loans and leases to total assets | 74.8738% | 1,842 |
| Net loans and leases to deposits | 89.3316% | 1,977 |
| Net loans and leases to core deposits | 105.3090% | 1,354 |
| Total domestic deposits to total assets | 83.8156% | 3,006 |
| Equity capital to assets | 10.7815% | 2,861 |
| Core capital (leverage) ratio | 10.6740% | 2,909 |
| Tier 1 risk-based capital ratio | 14.4184% | 3,159 |
| Total risk-based capital ratio | 15.6685% | 3,078 |
| Memoranda: | ||
| Average total assets | $295,900,250 | 2,190 |
| Average earning assets | $276,604,750 | 2,167 |
| Average equity | $30,612,750 | 2,311 |
| Average total loans | $219,707,250 | 2,035 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,464 |
| Cost of funding earning assets | 0.7940% | 1,148 |
| Net interest margin | 3.9226% | 2,131 |
| Noninterest income to average assets | 0.4922% | 2,902 |
| Noninterest expense to average assets | 2.2646% | 4,224 |
| Loan and lease loss provision to assets | 0.1674% | 1,101 |
| Net operating income to assets | 1.7289% | 685 |
| Return on assets (ROA) | 1.7289% | 685 |
| Pretax return on assets | 1.7289% | 1,142 |
| Return on Equity (ROE) | 16.9406% | 532 |
| Retained earnings to average equity (ytd only) | 2.9984% | 4,056 |
| Net charge-offs to loans | 0.2524% | 630 |
| Credit loss provision to net charge-offs | 89.9281% | 2,157 |
| Earnings coverage of net charge-offs (x) | 10.1871% | 2,347 |
| Efficiency ratio | 54.4255% | 4,646 |
| Assets per employee ($millions) | 5.4680% | 1,913 |
| Cash dividends to net income (ytd only)* | 82.3005% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,430 |
| Loan loss allowance to noncurrent loans | 138.1026% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 2,255 |
| Noncurrent loans to loans | 0.9055% | 1,908 |
| Net loans and leases to total assets | 72.0249% | 2,271 |
| Net loans and leases to deposits | 85.4051% | 2,391 |
| Net loans and leases to core deposits | 97.7874% | 1,908 |
| Total domestic deposits to total assets | 84.3333% | 2,944 |
| Equity capital to assets | 10.3261% | 3,312 |
| Core capital (leverage) ratio | 9.9998% | 3,581 |
| Tier 1 risk-based capital ratio | 14.2005% | 3,266 |
| Total risk-based capital ratio | 15.4449% | 3,181 |
| Memoranda: | ||
| Average total assets | $298,684,000 | 2,180 |
| Average earning assets | $279,354,000 | 2,161 |
| Average equity | $30,483,000 | 2,321 |
| Average total loans | $220,251,000 | 2,029 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 1,625 |
| Cost of funding earning assets | 0.7624% | 1,132 |
| Net interest margin | 3.8189% | 2,342 |
| Noninterest income to average assets | 0.4714% | 2,990 |
| Noninterest expense to average assets | 2.1452% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9015% | 450 |
| Return on assets (ROA) | 1.9015% | 452 |
| Pretax return on assets | 1.9015% | 720 |
| Return on Equity (ROE) | 18.7405% | 334 |
| Retained earnings to average equity (ytd only) | 7.9135% | 1,873 |
| Net charge-offs to loans | -0.0323% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0109% | 4,881 |
| Assets per employee ($millions) | 5.8419% | 1,653 |
| Cash dividends to net income (ytd only)* | 57.7731% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,701 |
| Loan loss allowance to noncurrent loans | 120.3956% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7489% | 2,077 |
| Noncurrent loans to loans | 1.0117% | 1,801 |
| Net loans and leases to total assets | 73.1214% | 2,009 |
| Net loans and leases to deposits | 86.3448% | 2,115 |
| Net loans and leases to core deposits | 100.6165% | 1,640 |
| Total domestic deposits to total assets | 84.6853% | 3,035 |
| Equity capital to assets | 10.1007% | 3,501 |
| Core capital (leverage) ratio | 10.2129% | 3,288 |
| Tier 1 risk-based capital ratio | 13.7760% | 3,507 |
| Total risk-based capital ratio | 14.9980% | 3,424 |
| Memoranda: | ||
| Average total assets | $300,391,000 | 2,191 |
| Average earning assets | $281,234,000 | 2,172 |
| Average equity | $30,479,500 | 2,338 |
| Average total loans | $222,696,000 | 2,017 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 2,073 |
| Cost of funding earning assets | 0.5747% | 1,782 |
| Net interest margin | 3.8090% | 2,390 |
| Noninterest income to average assets | 0.5396% | 2,775 |
| Noninterest expense to average assets | 2.4938% | 3,805 |
| Loan and lease loss provision to assets | 0.0356% | 3,554 |
| Net operating income to assets | 1.5731% | 687 |
| Return on assets (ROA) | 1.5787% | 692 |
| Pretax return on assets | 1.5787% | 1,352 |
| Return on Equity (ROE) | 15.0793% | 597 |
| Retained earnings to average equity (ytd only) | 3.6397% | 3,075 |
| Net charge-offs to loans | 0.3270% | 777 |
| Credit loss provision to net charge-offs | 14.2061% | 3,643 |
| Earnings coverage of net charge-offs (x) | 6.4150% | 3,183 |
| Efficiency ratio | 60.7867% | 4,140 |
| Assets per employee ($millions) | 5.8235% | 1,633 |
| Cash dividends to net income (ytd only)* | 75.8628% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,572 |
| Loan loss allowance to noncurrent loans | 113.2806% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 1,928 |
| Noncurrent loans to loans | 1.0892% | 1,629 |
| Net loans and leases to total assets | 73.3341% | 2,040 |
| Net loans and leases to deposits | 85.9611% | 2,266 |
| Net loans and leases to core deposits | 100.3012% | 1,692 |
| Total domestic deposits to total assets | 85.3108% | 2,721 |
| Equity capital to assets | 10.1936% | 3,498 |
| Core capital (leverage) ratio | 10.5437% | 2,795 |
| Tier 1 risk-based capital ratio | 13.6787% | 3,532 |
| Total risk-based capital ratio | 14.9081% | 3,452 |
| Memoranda: | ||
| Average total assets | $286,313,400 | 2,251 |
| Average earning assets | $267,815,000 | 2,225 |
| Average equity | $29,974,800 | 2,357 |
| Average total loans | $219,587,200 | 2,002 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 1,969 |
| Cost of funding earning assets | 0.5473% | 1,917 |
| Net interest margin | 3.8504% | 2,224 |
| Noninterest income to average assets | 0.5519% | 2,717 |
| Noninterest expense to average assets | 2.3738% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7797% | 483 |
| Return on assets (ROA) | 1.7862% | 492 |
| Pretax return on assets | 1.7862% | 915 |
| Return on Equity (ROE) | 16.9451% | 431 |
| Retained earnings to average equity (ytd only) | 5.3333% | 2,659 |
| Net charge-offs to loans | 0.4188% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.4949% | 3,100 |
| Efficiency ratio | 57.1526% | 4,596 |
| Assets per employee ($millions) | 5.4403% | 1,980 |
| Cash dividends to net income (ytd only)* | 68.5263% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,754 |
| Loan loss allowance to noncurrent loans | 77.4109% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 1,160 |
| Noncurrent loans to loans | 1.5861% | 1,168 |
| Net loans and leases to total assets | 76.8083% | 1,450 |
| Net loans and leases to deposits | 91.4984% | 1,623 |
| Net loans and leases to core deposits | 103.6820% | 1,410 |
| Total domestic deposits to total assets | 83.9450% | 3,146 |
| Equity capital to assets | 11.0170% | 2,847 |
| Core capital (leverage) ratio | 10.8205% | 2,623 |
| Tier 1 risk-based capital ratio | 14.0508% | 3,419 |
| Total risk-based capital ratio | 15.2759% | 3,344 |
| Memoranda: | ||
| Average total assets | $283,641,500 | 2,279 |
| Average earning assets | $265,313,000 | 2,259 |
| Average equity | $29,899,750 | 2,377 |
| Average total loans | $219,353,000 | 2,011 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 2,048 |
| Cost of funding earning assets | 0.5342% | 1,883 |
| Net interest margin | 3.7913% | 2,317 |
| Noninterest income to average assets | 0.5530% | 2,701 |
| Noninterest expense to average assets | 2.4347% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6654% | 610 |
| Return on assets (ROA) | 1.6745% | 612 |
| Pretax return on assets | 1.6745% | 1,118 |
| Return on Equity (ROE) | 16.1200% | 514 |
| Retained earnings to average equity (ytd only) | 2.9787% | 3,945 |
| Net charge-offs to loans | -0.0381% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3819% | 4,412 |
| Assets per employee ($millions) | 5.6270% | 1,765 |
| Cash dividends to net income (ytd only)* | 81.5217% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,383 |
| Loan loss allowance to noncurrent loans | 82.4390% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5632% | 958 |
| Noncurrent loans to loans | 1.8858% | 927 |
| Net loans and leases to total assets | 74.5838% | 1,767 |
| Net loans and leases to deposits | 88.0707% | 1,972 |
| Net loans and leases to core deposits | 99.3594% | 1,695 |
| Total domestic deposits to total assets | 84.6863% | 2,942 |
| Equity capital to assets | 10.3956% | 3,460 |
| Core capital (leverage) ratio | 10.2046% | 3,269 |
| Tier 1 risk-based capital ratio | 13.5635% | 3,664 |
| Total risk-based capital ratio | 14.8171% | 3,577 |
| Memoranda: | ||
| Average total assets | $285,704,330 | 2,275 |
| Average earning assets | $267,297,670 | 2,253 |
| Average equity | $29,677,330 | 2,392 |
| Average total loans | $220,552,000 | 2,005 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 1,846 |
| Cost of funding earning assets | 0.5222% | 1,923 |
| Net interest margin | 3.8188% | 2,050 |
| Noninterest income to average assets | 0.4659% | 3,216 |
| Noninterest expense to average assets | 2.2844% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7624% | 485 |
| Return on assets (ROA) | 1.7624% | 495 |
| Pretax return on assets | 1.7624% | 878 |
| Return on Equity (ROE) | 16.9733% | 417 |
| Retained earnings to average equity (ytd only) | 8.1893% | 1,382 |
| Net charge-offs to loans | -0.0144% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4494% | 4,895 |
| Assets per employee ($millions) | 5.4980% | 1,890 |
| Cash dividends to net income (ytd only)* | 51.7516% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,685 |
| Loan loss allowance to noncurrent loans | 73.7109% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6898% | 891 |
| Noncurrent loans to loans | 2.0380% | 868 |
| Net loans and leases to total assets | 75.2670% | 1,538 |
| Net loans and leases to deposits | 88.7787% | 1,698 |
| Net loans and leases to core deposits | 103.8451% | 1,233 |
| Total domestic deposits to total assets | 84.7805% | 3,177 |
| Equity capital to assets | 10.2671% | 3,451 |
| Core capital (leverage) ratio | 10.4140% | 2,996 |
| Tier 1 risk-based capital ratio | 13.3090% | 3,882 |
| Total risk-based capital ratio | 14.5617% | 3,796 |
| Memoranda: | ||
| Average total assets | $285,067,500 | 2,290 |
| Average earning assets | $267,306,000 | 2,263 |
| Average equity | $29,599,500 | 2,412 |
| Average total loans | $222,118,500 | 2,009 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,083 |
| Cost of funding earning assets | 0.4588% | 2,456 |
| Net interest margin | 3.8600% | 2,099 |
| Noninterest income to average assets | 0.5139% | 3,139 |
| Noninterest expense to average assets | 2.5076% | 3,984 |
| Loan and lease loss provision to assets | 0.1651% | 1,489 |
| Net operating income to assets | 1.4411% | 933 |
| Return on assets (ROA) | 1.4539% | 936 |
| Pretax return on assets | 1.4539% | 1,739 |
| Return on Equity (ROE) | 13.5594% | 858 |
| Retained earnings to average equity (ytd only) | -0.5677% | 5,392 |
| Net charge-offs to loans | 0.1946% | 1,419 |
| Credit loss provision to net charge-offs | 107.6010% | 2,431 |
| Earnings coverage of net charge-offs (x) | 10.4679% | 2,637 |
| Efficiency ratio | 60.9551% | 4,426 |
| Assets per employee ($millions) | 5.2592% | 2,106 |
| Cash dividends to net income (ytd only)* | 104.1865% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,640 |
| Loan loss allowance to noncurrent loans | 66.6800% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9344% | 726 |
| Noncurrent loans to loans | 2.2594% | 742 |
| Net loans and leases to total assets | 78.2915% | 1,159 |
| Net loans and leases to deposits | 92.8468% | 1,322 |
| Net loans and leases to core deposits | 109.3852% | 940 |
| Total domestic deposits to total assets | 84.3233% | 3,306 |
| Equity capital to assets | 10.5048% | 3,150 |
| Core capital (leverage) ratio | 10.6718% | 2,691 |
| Tier 1 risk-based capital ratio | 13.3478% | 3,860 |
| Total risk-based capital ratio | 14.6009% | 3,770 |
| Memoranda: | ||
| Average total assets | $274,369,800 | 2,328 |
| Average earning assets | $255,880,000 | 2,313 |
| Average equity | $29,418,800 | 2,404 |
| Average total loans | $216,394,800 | 1,996 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,145 |
| Cost of funding earning assets | 0.4521% | 2,537 |
| Net interest margin | 3.8535% | 2,146 |
| Noninterest income to average assets | 0.5206% | 3,110 |
| Noninterest expense to average assets | 2.4063% | 4,266 |
| Loan and lease loss provision to assets | 0.2196% | 946 |
| Net operating income to assets | 1.4832% | 908 |
| Return on assets (ROA) | 1.4930% | 937 |
| Pretax return on assets | 1.4930% | 1,729 |
| Return on Equity (ROE) | 13.8521% | 856 |
| Retained earnings to average equity (ytd only) | -4.9614% | 5,735 |
| Net charge-offs to loans | 0.0378% | 2,871 |
| Credit loss provision to net charge-offs | 737.7049% | 542 |
| Earnings coverage of net charge-offs (x) | 57.2141% | 993 |
| Efficiency ratio | 58.5609% | 4,742 |
| Assets per employee ($millions) | 5.0223% | 2,349 |
| Cash dividends to net income (ytd only)* | 135.8168% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 1,108 |
| Loan loss allowance to noncurrent loans | 60.6967% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.5340% | 531 |
| Noncurrent loans to loans | 2.8792% | 547 |
| Net loans and leases to total assets | 78.0223% | 1,191 |
| Net loans and leases to deposits | 94.6543% | 1,185 |
| Net loans and leases to core deposits | 105.3197% | 1,251 |
| Total domestic deposits to total assets | 82.4286% | 3,801 |
| Equity capital to assets | 10.7253% | 3,335 |
| Core capital (leverage) ratio | 10.5394% | 2,951 |
| Tier 1 risk-based capital ratio | 13.4531% | 3,889 |
| Total risk-based capital ratio | 14.7091% | 3,796 |
| Memoranda: | ||
| Average total assets | $273,277,500 | 2,342 |
| Average earning assets | $254,482,000 | 2,336 |
| Average equity | $29,453,250 | 2,411 |
| Average total loans | $215,101,750 | 2,011 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 2,266 |
| Cost of funding earning assets | 0.4505% | 2,564 |
| Net interest margin | 3.8173% | 2,245 |
| Noninterest income to average assets | 0.5195% | 3,071 |
| Noninterest expense to average assets | 2.3784% | 4,408 |
| Loan and lease loss provision to assets | 0.1814% | 1,203 |
| Net operating income to assets | 1.5194% | 861 |
| Return on assets (ROA) | 1.5339% | 884 |
| Pretax return on assets | 1.5339% | 1,570 |
| Return on Equity (ROE) | 14.2095% | 798 |
| Retained earnings to average equity (ytd only) | 0.7864% | 5,067 |
| Net charge-offs to loans | 0.0398% | 2,663 |
| Credit loss provision to net charge-offs | 581.3953% | 584 |
| Earnings coverage of net charge-offs (x) | 54.5116% | 935 |
| Efficiency ratio | 58.3067% | 4,862 |
| Assets per employee ($millions) | 5.0886% | 2,210 |
| Cash dividends to net income (ytd only)* | 94.4655% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 1,363 |
| Loan loss allowance to noncurrent loans | 57.8367% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 555 |
| Noncurrent loans to loans | 2.8731% | 531 |
| Net loans and leases to total assets | 77.0849% | 1,321 |
| Net loans and leases to deposits | 92.8749% | 1,409 |
| Net loans and leases to core deposits | 101.7791% | 1,490 |
| Total domestic deposits to total assets | 82.9986% | 3,654 |
| Equity capital to assets | 11.0525% | 3,002 |
| Core capital (leverage) ratio | 10.7266% | 2,721 |
| Tier 1 risk-based capital ratio | 14.0912% | 3,551 |
| Total risk-based capital ratio | 15.3468% | 3,467 |
| Memoranda: | ||
| Average total assets | $275,642,330 | 2,331 |
| Average earning assets | $257,042,330 | 2,318 |
| Average equity | $29,754,670 | 2,386 |
| Average total loans | $216,343,670 | 2,006 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 2,706 |
| Cost of funding earning assets | 0.4586% | 2,482 |
| Net interest margin | 3.6768% | 2,775 |
| Noninterest income to average assets | 0.4953% | 3,151 |
| Noninterest expense to average assets | 2.3057% | 4,643 |
| Loan and lease loss provision to assets | 0.3589% | 410 |
| Net operating income to assets | 1.2605% | 1,376 |
| Return on assets (ROA) | 1.2892% | 1,364 |
| Pretax return on assets | 1.2892% | 2,353 |
| Return on Equity (ROE) | 12.0829% | 1,294 |
| Retained earnings to average equity (ytd only) | 3.1620% | 3,933 |
| Net charge-offs to loans | 0.0877% | 1,622 |
| Credit loss provision to net charge-offs | 520.8333% | 587 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,362 |
| Efficiency ratio | 58.7418% | 4,910 |
| Assets per employee ($millions) | 5.1857% | 2,151 |
| Cash dividends to net income (ytd only)* | 73.8307% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 1,613 |
| Loan loss allowance to noncurrent loans | 61.6412% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.3104% | 681 |
| Noncurrent loans to loans | 2.5919% | 703 |
| Net loans and leases to total assets | 78.6139% | 1,011 |
| Net loans and leases to deposits | 94.3626% | 1,102 |
| Net loans and leases to core deposits | 105.2964% | 1,122 |
| Total domestic deposits to total assets | 83.3104% | 3,786 |
| Equity capital to assets | 10.8706% | 3,084 |
| Core capital (leverage) ratio | 10.6769% | 2,763 |
| Tier 1 risk-based capital ratio | 13.6623% | 3,894 |
| Total risk-based capital ratio | 14.9170% | 3,815 |
| Memoranda: | ||
| Average total assets | $278,616,000 | 2,322 |
| Average earning assets | $259,897,000 | 2,304 |
| Average equity | $29,728,000 | 2,386 |
| Average total loans | $218,812,000 | 1,992 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 1,790 |
| Cost of funding earning assets | 0.4351% | 2,784 |
| Net interest margin | 3.9998% | 1,716 |
| Noninterest income to average assets | 0.5442% | 3,051 |
| Noninterest expense to average assets | 2.4461% | 4,392 |
| Loan and lease loss provision to assets | 0.2136% | 974 |
| Net operating income to assets | 1.6060% | 698 |
| Return on assets (ROA) | 1.5904% | 741 |
| Pretax return on assets | 1.5904% | 1,274 |
| Return on Equity (ROE) | 14.4906% | 766 |
| Retained earnings to average equity (ytd only) | 5.2778% | 2,223 |
| Net charge-offs to loans | 0.1278% | 2,094 |
| Credit loss provision to net charge-offs | 214.9425% | 1,322 |
| Earnings coverage of net charge-offs (x) | 18.3065% | 2,021 |
| Efficiency ratio | 57.3431% | 5,217 |
| Assets per employee ($millions) | 5.3281% | 1,973 |
| Cash dividends to net income (ytd only)* | 63.5776% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,929 |
| Loan loss allowance to noncurrent loans | 573.9583% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 3,862 |
| Noncurrent loans to loans | 0.2642% | 4,503 |
| Net loans and leases to total assets | 76.0459% | 1,410 |
| Net loans and leases to deposits | 93.0132% | 1,305 |
| Net loans and leases to core deposits | 103.4861% | 1,256 |
| Total domestic deposits to total assets | 81.7582% | 4,235 |
| Equity capital to assets | 10.4745% | 3,389 |
| Core capital (leverage) ratio | 11.0615% | 2,337 |
| Tier 1 risk-based capital ratio | 13.7100% | 3,881 |
| Total risk-based capital ratio | 14.9632% | 3,811 |
| Memoranda: | ||
| Average total assets | $262,579,000 | 2,404 |
| Average earning assets | $244,313,800 | 2,387 |
| Average equity | $28,818,600 | 2,402 |
| Average total loans | $204,248,800 | 2,038 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,681 |
| Cost of funding earning assets | 0.4341% | 2,863 |
| Net interest margin | 4.0375% | 1,589 |
| Noninterest income to average assets | 0.5543% | 3,025 |
| Noninterest expense to average assets | 2.3444% | 4,666 |
| Loan and lease loss provision to assets | 0.0518% | 3,162 |
| Net operating income to assets | 1.9175% | 413 |
| Return on assets (ROA) | 1.9268% | 425 |
| Pretax return on assets | 1.9268% | 689 |
| Return on Equity (ROE) | 17.3389% | 445 |
| Retained earnings to average equity (ytd only) | 4.9739% | 2,936 |
| Net charge-offs to loans | 0.1135% | 1,990 |
| Credit loss provision to net charge-offs | 58.4795% | 2,929 |
| Earnings coverage of net charge-offs (x) | 22.2519% | 1,788 |
| Efficiency ratio | 54.3491% | 5,484 |
| Assets per employee ($millions) | 4.8178% | 2,536 |
| Cash dividends to net income (ytd only)* | 71.3134% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 2,364 |
| Loan loss allowance to noncurrent loans | 546.5549% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,926 |
| Noncurrent loans to loans | 0.2656% | 4,628 |
| Net loans and leases to total assets | 78.0272% | 1,094 |
| Net loans and leases to deposits | 95.4264% | 1,061 |
| Net loans and leases to core deposits | 103.2803% | 1,280 |
| Total domestic deposits to total assets | 81.7669% | 4,237 |
| Equity capital to assets | 11.4227% | 2,558 |
| Core capital (leverage) ratio | 11.2288% | 2,266 |
| Tier 1 risk-based capital ratio | 14.5056% | 3,570 |
| Total risk-based capital ratio | 15.7579% | 3,483 |
| Memoranda: | ||
| Average total assets | $257,626,250 | 2,456 |
| Average earning assets | $239,878,500 | 2,440 |
| Average equity | $28,628,500 | 2,426 |
| Average total loans | $200,798,000 | 2,074 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,704 |
| Cost of funding earning assets | 0.4272% | 2,959 |
| Net interest margin | 4.0161% | 1,594 |
| Noninterest income to average assets | 0.5480% | 3,051 |
| Noninterest expense to average assets | 2.2803% | 4,888 |
| Loan and lease loss provision to assets | 0.0774% | 2,576 |
| Net operating income to assets | 1.9374% | 409 |
| Return on assets (ROA) | 1.9521% | 413 |
| Pretax return on assets | 1.9521% | 654 |
| Return on Equity (ROE) | 17.7300% | 428 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,670 |
| Net charge-offs to loans | 0.1847% | 1,351 |
| Credit loss provision to net charge-offs | 54.0541% | 2,657 |
| Earnings coverage of net charge-offs (x) | 14.0703% | 2,087 |
| Efficiency ratio | 53.0906% | 5,643 |
| Assets per employee ($millions) | 5.2176% | 2,025 |
| Cash dividends to net income (ytd only)* | 79.1039% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 2,359 |
| Loan loss allowance to noncurrent loans | 549.0602% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 3,919 |
| Noncurrent loans to loans | 0.2705% | 4,699 |
| Net loans and leases to total assets | 75.7803% | 1,396 |
| Net loans and leases to deposits | 91.0613% | 1,474 |
| Net loans and leases to core deposits | 96.7158% | 1,738 |
| Total domestic deposits to total assets | 83.2190% | 3,865 |
| Equity capital to assets | 11.2014% | 2,671 |
| Core capital (leverage) ratio | 10.8188% | 2,595 |
| Tier 1 risk-based capital ratio | 14.5229% | 3,623 |
| Total risk-based capital ratio | 15.7756% | 3,551 |
| Memoranda: | ||
| Average total assets | $258,387,330 | 2,470 |
| Average earning assets | $241,078,670 | 2,451 |
| Average equity | $28,449,000 | 2,455 |
| Average total loans | $200,340,000 | 2,082 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 1,703 |
| Cost of funding earning assets | 0.4113% | 3,179 |
| Net interest margin | 4.0070% | 1,529 |
| Noninterest income to average assets | 0.4866% | 3,383 |
| Noninterest expense to average assets | 2.2391% | 5,043 |
| Loan and lease loss provision to assets | 0.1540% | 1,322 |
| Net operating income to assets | 1.8295% | 462 |
| Return on assets (ROA) | 1.8295% | 486 |
| Pretax return on assets | 1.8295% | 824 |
| Return on Equity (ROE) | 16.7592% | 488 |
| Retained earnings to average equity (ytd only) | 7.4203% | 1,801 |
| Net charge-offs to loans | 0.3878% | 635 |
| Credit loss provision to net charge-offs | 51.0204% | 2,090 |
| Earnings coverage of net charge-offs (x) | 6.5714% | 2,271 |
| Efficiency ratio | 53.0270% | 5,749 |
| Assets per employee ($millions) | 5.3256% | 1,965 |
| Cash dividends to net income (ytd only)* | 55.7239% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 2,815 |
| Loan loss allowance to noncurrent loans | 527.1739% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 5,124 |
| Noncurrent loans to loans | 0.2701% | 4,812 |
| Net loans and leases to total assets | 75.6680% | 1,255 |
| Net loans and leases to deposits | 92.8640% | 1,102 |
| Net loans and leases to core deposits | 98.5797% | 1,422 |
| Total domestic deposits to total assets | 81.4826% | 4,678 |
| Equity capital to assets | 10.7508% | 3,261 |
| Core capital (leverage) ratio | 10.9367% | 2,480 |
| Tier 1 risk-based capital ratio | 14.0347% | 3,978 |
| Total risk-based capital ratio | 14.8875% | 4,166 |
| Memoranda: | ||
| Average total assets | $259,749,500 | 2,471 |
| Average earning assets | $242,176,000 | 2,456 |
| Average equity | $28,354,500 | 2,480 |
| Average total loans | $202,178,000 | 2,072 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 1,932 |
| Cost of funding earning assets | 0.4263% | 3,428 |
| Net interest margin | 4.0594% | 1,707 |
| Noninterest income to average assets | 0.6676% | 2,465 |
| Noninterest expense to average assets | 2.4621% | 4,664 |
| Loan and lease loss provision to assets | 0.0901% | 2,666 |
| Net operating income to assets | 1.8785% | 405 |
| Return on assets (ROA) | 1.8859% | 418 |
| Pretax return on assets | 1.8859% | 665 |
| Return on Equity (ROE) | 17.2875% | 461 |
| Retained earnings to average equity (ytd only) | 8.0680% | 994 |
| Net charge-offs to loans | 0.1211% | 2,821 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 21.8416% | 1,658 |
| Efficiency ratio | 55.5689% | 5,709 |
| Assets per employee ($millions) | 4.9651% | 2,365 |
| Cash dividends to net income (ytd only)* | 53.3304% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 2,456 |
| Loan loss allowance to noncurrent loans | 422.1910% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 4,910 |
| Noncurrent loans to loans | 0.3561% | 4,586 |
| Net loans and leases to total assets | 77.7790% | 1,028 |
| Net loans and leases to deposits | 90.7533% | 1,439 |
| Net loans and leases to core deposits | 96.3368% | 1,688 |
| Total domestic deposits to total assets | 85.7037% | 2,982 |
| Equity capital to assets | 11.0900% | 2,816 |
| Core capital (leverage) ratio | 11.1379% | 2,275 |
| Tier 1 risk-based capital ratio | 14.3855% | 3,844 |
| Total risk-based capital ratio | 15.2223% | 4,038 |
| Memoranda: | ||
| Average total assets | $245,192,800 | 2,569 |
| Average earning assets | $227,299,000 | 2,547 |
| Average equity | $26,747,600 | 2,510 |
| Average total loans | $182,460,200 | 2,202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 1,908 |
| Cost of funding earning assets | 0.4343% | 3,425 |
| Net interest margin | 4.0552% | 1,706 |
| Noninterest income to average assets | 0.7045% | 2,311 |
| Noninterest expense to average assets | 2.3411% | 4,992 |
| Loan and lease loss provision to assets | 0.0822% | 2,706 |
| Net operating income to assets | 2.0341% | 327 |
| Return on assets (ROA) | 2.0598% | 322 |
| Pretax return on assets | 2.0598% | 495 |
| Return on Equity (ROE) | 18.9642% | 348 |
| Retained earnings to average equity (ytd only) | 6.5166% | 2,095 |
| Net charge-offs to loans | 0.1700% | 2,099 |
| Credit loss provision to net charge-offs | 66.0793% | 2,834 |
| Earnings coverage of net charge-offs (x) | 17.0044% | 1,927 |
| Efficiency ratio | 52.5215% | 5,957 |
| Assets per employee ($millions) | 4.8984% | 2,379 |
| Cash dividends to net income (ytd only)* | 65.6375% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 2,125 |
| Loan loss allowance to noncurrent loans | 351.1990% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 4,932 |
| Noncurrent loans to loans | 0.4712% | 4,494 |
| Net loans and leases to total assets | 69.6831% | 2,246 |
| Net loans and leases to deposits | 80.4300% | 2,628 |
| Net loans and leases to core deposits | 85.5015% | 2,717 |
| Total domestic deposits to total assets | 86.6383% | 2,505 |
| Equity capital to assets | 10.8703% | 3,099 |
| Core capital (leverage) ratio | 10.8033% | 2,692 |
| Tier 1 risk-based capital ratio | 15.3191% | 3,416 |
| Total risk-based capital ratio | 16.1277% | 3,598 |
| Memoranda: | ||
| Average total assets | $243,186,000 | 2,600 |
| Average earning assets | $225,054,000 | 2,587 |
| Average equity | $26,414,000 | 2,537 |
| Average total loans | $178,085,750 | 2,259 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,594 |
| Cost of funding earning assets | 0.4412% | 3,426 |
| Net interest margin | 4.1339% | 1,416 |
| Noninterest income to average assets | 0.5851% | 2,894 |
| Noninterest expense to average assets | 2.3795% | 4,939 |
| Loan and lease loss provision to assets | 0.1245% | 1,985 |
| Net operating income to assets | 1.8998% | 411 |
| Return on assets (ROA) | 1.9380% | 397 |
| Pretax return on assets | 1.9380% | 630 |
| Return on Equity (ROE) | 17.8471% | 474 |
| Retained earnings to average equity (ytd only) | 4.1732% | 3,515 |
| Net charge-offs to loans | 0.2802% | 1,418 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 9.7560% | 2,327 |
| Efficiency ratio | 54.0332% | 5,908 |
| Assets per employee ($millions) | 4.8071% | 2,465 |
| Cash dividends to net income (ytd only)* | 76.6167% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 2,249 |
| Loan loss allowance to noncurrent loans | 547.2693% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 5,470 |
| Noncurrent loans to loans | 0.3042% | 5,101 |
| Net loans and leases to total assets | 70.0265% | 2,080 |
| Net loans and leases to deposits | 80.7204% | 2,417 |
| Net loans and leases to core deposits | 85.6753% | 2,550 |
| Total domestic deposits to total assets | 86.7519% | 2,601 |
| Equity capital to assets | 10.7852% | 3,108 |
| Core capital (leverage) ratio | 10.6104% | 2,811 |
| Tier 1 risk-based capital ratio | 15.2283% | 3,509 |
| Total risk-based capital ratio | 15.8643% | 3,806 |
| Memoranda: | ||
| Average total assets | $240,975,330 | 2,632 |
| Average earning assets | $222,598,330 | 2,620 |
| Average equity | $26,166,670 | 2,551 |
| Average total loans | $178,444,330 | 2,252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,322 |
| Cost of funding earning assets | 0.4494% | 3,438 |
| Net interest margin | 4.2223% | 1,159 |
| Noninterest income to average assets | 0.4940% | 3,461 |
| Noninterest expense to average assets | 2.3292% | 5,126 |
| Loan and lease loss provision to assets | 0.2512% | 856 |
| Net operating income to assets | 1.8151% | 473 |
| Return on assets (ROA) | 1.8151% | 493 |
| Pretax return on assets | 1.8151% | 783 |
| Return on Equity (ROE) | 16.6580% | 570 |
| Retained earnings to average equity (ytd only) | 7.5146% | 1,810 |
| Net charge-offs to loans | -0.0798% | 6,031 |
| Credit loss provision to net charge-offs | -416.6667% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9905% | 6,082 |
| Assets per employee ($millions) | 4.8271% | 2,473 |
| Cash dividends to net income (ytd only)* | 54.8893% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 2,181 |
| Loan loss allowance to noncurrent loans | 341.0256% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 5,021 |
| Noncurrent loans to loans | 0.5145% | 4,629 |
| Net loans and leases to total assets | 72.6058% | 1,477 |
| Net loans and leases to deposits | 85.6922% | 1,640 |
| Net loans and leases to core deposits | 91.7957% | 1,749 |
| Total domestic deposits to total assets | 84.7287% | 3,984 |
| Equity capital to assets | 10.6832% | 3,060 |
| Core capital (leverage) ratio | 10.8698% | 2,525 |
| Tier 1 risk-based capital ratio | 13.4797% | 4,698 |
| Total risk-based capital ratio | 14.1852% | 4,976 |
| Memoranda: | ||
| Average total assets | $238,883,000 | 2,653 |
| Average earning assets | $220,735,000 | 2,646 |
| Average equity | $26,029,500 | 2,546 |
| Average total loans | $180,375,000 | 2,230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,565 |
| Cost of funding earning assets | 0.5089% | 3,515 |
| Net interest margin | 4.1946% | 1,366 |
| Noninterest income to average assets | 0.4641% | 3,997 |
| Noninterest expense to average assets | 2.4557% | 4,907 |
| Loan and lease loss provision to assets | 0.2103% | 1,757 |
| Net operating income to assets | 1.6716% | 613 |
| Return on assets (ROA) | 1.6716% | 627 |
| Pretax return on assets | 1.6716% | 1,014 |
| Return on Equity (ROE) | 16.2032% | 598 |
| Retained earnings to average equity (ytd only) | 7.6692% | 1,165 |
| Net charge-offs to loans | 0.2895% | 2,240 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.9502% | 2,578 |
| Efficiency ratio | 56.6145% | 5,882 |
| Assets per employee ($millions) | 4.3695% | 3,137 |
| Cash dividends to net income (ytd only)* | 52.6685% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,459 |
| Loan loss allowance to noncurrent loans | 309.2593% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 4,993 |
| Noncurrent loans to loans | 0.5436% | 4,634 |
| Net loans and leases to total assets | 75.9161% | 1,086 |
| Net loans and leases to deposits | 88.0486% | 1,457 |
| Net loans and leases to core deposits | 94.6192% | 1,552 |
| Total domestic deposits to total assets | 86.2207% | 3,153 |
| Equity capital to assets | 11.1229% | 2,506 |
| Core capital (leverage) ratio | 11.1895% | 2,206 |
| Tier 1 risk-based capital ratio | 13.6563% | 4,548 |
| Total risk-based capital ratio | 14.3435% | 4,867 |
| Memoranda: | ||
| Average total assets | $238,751,800 | 2,629 |
| Average earning assets | $220,473,600 | 2,612 |
| Average equity | $24,631,000 | 2,665 |
| Average total loans | $173,376,800 | 2,265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,098 |
| Cost of funding earning assets | 0.5209% | 3,555 |
| Net interest margin | 4.0145% | 1,898 |
| Noninterest income to average assets | 0.4495% | 4,161 |
| Noninterest expense to average assets | 2.3036% | 5,332 |
| Loan and lease loss provision to assets | 0.1109% | 2,915 |
| Net operating income to assets | 1.7432% | 588 |
| Return on assets (ROA) | 1.7432% | 610 |
| Pretax return on assets | 1.7432% | 1,009 |
| Return on Equity (ROE) | 17.2214% | 518 |
| Retained earnings to average equity (ytd only) | 5.7112% | 2,589 |
| Net charge-offs to loans | 0.4046% | 1,584 |
| Credit loss provision to net charge-offs | 38.3142% | 3,744 |
| Earnings coverage of net charge-offs (x) | 6.4081% | 2,979 |
| Efficiency ratio | 55.4059% | 5,985 |
| Assets per employee ($millions) | 4.3330% | 3,166 |
| Cash dividends to net income (ytd only)* | 66.8363% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 2,787 |
| Loan loss allowance to noncurrent loans | 64.2105% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 2,245 |
| Noncurrent loans to loans | 2.5762% | 1,658 |
| Net loans and leases to total assets | 69.4855% | 2,051 |
| Net loans and leases to deposits | 79.9167% | 2,426 |
| Net loans and leases to core deposits | 86.7197% | 2,321 |
| Total domestic deposits to total assets | 86.9474% | 2,720 |
| Equity capital to assets | 10.8322% | 2,930 |
| Core capital (leverage) ratio | 10.7295% | 2,757 |
| Tier 1 risk-based capital ratio | 14.3715% | 4,168 |
| Total risk-based capital ratio | 15.0228% | 4,543 |
| Memoranda: | ||
| Average total assets | $240,543,250 | 2,641 |
| Average earning assets | $222,188,250 | 2,607 |
| Average equity | $24,349,000 | 2,724 |
| Average total loans | $172,016,750 | 2,288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 2,031 |
| Cost of funding earning assets | 0.5298% | 3,608 |
| Net interest margin | 4.0193% | 1,793 |
| Noninterest income to average assets | 0.4472% | 4,182 |
| Noninterest expense to average assets | 2.2664% | 5,461 |
| Loan and lease loss provision to assets | 0.1638% | 2,283 |
| Net operating income to assets | 1.7332% | 594 |
| Return on assets (ROA) | 1.7332% | 644 |
| Pretax return on assets | 1.7332% | 1,048 |
| Return on Equity (ROE) | 17.5069% | 508 |
| Retained earnings to average equity (ytd only) | 0.1158% | 5,817 |
| Net charge-offs to loans | 0.5877% | 1,125 |
| Credit loss provision to net charge-offs | 38.8350% | 3,441 |
| Earnings coverage of net charge-offs (x) | 4.4971% | 3,114 |
| Efficiency ratio | 54.4364% | 6,111 |
| Assets per employee ($millions) | 4.5019% | 2,810 |
| Cash dividends to net income (ytd only)* | 99.3384% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,209 |
| Loan loss allowance to noncurrent loans | 75.1466% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4731% | 2,901 |
| Noncurrent loans to loans | 2.1083% | 2,273 |
| Net loans and leases to total assets | 68.7610% | 2,098 |
| Net loans and leases to deposits | 78.1583% | 2,551 |
| Net loans and leases to core deposits | 84.9795% | 2,439 |
| Total domestic deposits to total assets | 87.9766% | 2,261 |
| Equity capital to assets | 9.8462% | 4,129 |
| Core capital (leverage) ratio | 9.9734% | 3,562 |
| Tier 1 risk-based capital ratio | 13.0360% | 5,115 |
| Total risk-based capital ratio | 13.7185% | 5,468 |
| Memoranda: | ||
| Average total assets | $244,175,000 | 2,614 |
| Average earning assets | $225,760,000 | 2,580 |
| Average equity | $24,173,330 | 2,752 |
| Average total loans | $175,270,330 | 2,250 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,994 |
| Cost of funding earning assets | 0.5491% | 3,576 |
| Net interest margin | 3.9990% | 1,786 |
| Noninterest income to average assets | 0.4168% | 4,335 |
| Noninterest expense to average assets | 2.1920% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9272% | 387 |
| Return on assets (ROA) | 1.9272% | 423 |
| Pretax return on assets | 1.9272% | 697 |
| Return on Equity (ROE) | 19.4138% | 331 |
| Retained earnings to average equity (ytd only) | 6.9653% | 2,167 |
| Net charge-offs to loans | -0.2135% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2143% | 6,281 |
| Assets per employee ($millions) | 4.5055% | 2,963 |
| Cash dividends to net income (ytd only)* | 64.1221% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 2,826 |
| Loan loss allowance to noncurrent loans | 74.7049% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 2,734 |
| Noncurrent loans to loans | 2.3335% | 2,245 |
| Net loans and leases to total assets | 71.8391% | 1,378 |
| Net loans and leases to deposits | 83.2221% | 1,679 |
| Net loans and leases to core deposits | 89.2561% | 1,778 |
| Total domestic deposits to total assets | 86.3221% | 3,343 |
| Equity capital to assets | 10.0794% | 4,042 |
| Core capital (leverage) ratio | 9.9338% | 3,487 |
| Tier 1 risk-based capital ratio | 12.9146% | 5,292 |
| Total risk-based capital ratio | 13.6082% | 5,630 |
| Memoranda: | ||
| Average total assets | $244,712,500 | 2,636 |
| Average earning assets | $226,559,000 | 2,599 |
| Average equity | $24,292,000 | 2,776 |
| Average total loans | $177,981,000 | 2,235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 3,660 |
| Cost of funding earning assets | 0.7420% | 3,142 |
| Net interest margin | 3.6978% | 3,654 |
| Noninterest income to average assets | 0.4980% | 3,921 |
| Noninterest expense to average assets | 2.3318% | 5,607 |
| Loan and lease loss provision to assets | 0.1718% | 3,471 |
| Net operating income to assets | 1.4127% | 1,077 |
| Return on assets (ROA) | 1.4878% | 1,037 |
| Pretax return on assets | 1.4878% | 1,715 |
| Return on Equity (ROE) | 15.7296% | 700 |
| Retained earnings to average equity (ytd only) | 6.0594% | 2,043 |
| Net charge-offs to loans | 0.2490% | 3,445 |
| Credit loss provision to net charge-offs | 99.7653% | 3,109 |
| Earnings coverage of net charge-offs (x) | 9.2019% | 2,292 |
| Efficiency ratio | 59.5417% | 5,609 |
| Assets per employee ($millions) | 4.5579% | 2,866 |
| Cash dividends to net income (ytd only)* | 61.4779% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 2,972 |
| Loan loss allowance to noncurrent loans | 65.8056% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.8560% | 2,628 |
| Noncurrent loans to loans | 2.5652% | 2,057 |
| Net loans and leases to total assets | 71.1308% | 1,630 |
| Net loans and leases to deposits | 81.0387% | 2,141 |
| Net loans and leases to core deposits | 86.9491% | 2,198 |
| Total domestic deposits to total assets | 87.7738% | 2,363 |
| Equity capital to assets | 9.7758% | 4,488 |
| Core capital (leverage) ratio | 9.8879% | 3,561 |
| Tier 1 risk-based capital ratio | 12.6724% | 5,346 |
| Total risk-based capital ratio | 13.3986% | 5,650 |
| Memoranda: | ||
| Average total assets | $247,405,600 | 2,551 |
| Average earning assets | $228,703,600 | 2,525 |
| Average equity | $23,401,800 | 2,810 |
| Average total loans | $171,058,600 | 2,300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 3,690 |
| Cost of funding earning assets | 0.7830% | 3,085 |
| Net interest margin | 3.7035% | 3,784 |
| Noninterest income to average assets | 0.4941% | 3,966 |
| Noninterest expense to average assets | 2.2352% | 5,865 |
| Loan and lease loss provision to assets | 0.0861% | 4,528 |
| Net operating income to assets | 1.5969% | 852 |
| Return on assets (ROA) | 1.6825% | 791 |
| Pretax return on assets | 1.6825% | 1,317 |
| Return on Equity (ROE) | 17.9365% | 508 |
| Retained earnings to average equity (ytd only) | 5.0780% | 3,315 |
| Net charge-offs to loans | 0.3339% | 2,788 |
| Credit loss provision to net charge-offs | 37.7358% | 4,662 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,612 |
| Efficiency ratio | 57.0467% | 5,911 |
| Assets per employee ($millions) | 4.5377% | 2,849 |
| Cash dividends to net income (ytd only)* | 71.6891% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,936 |
| Loan loss allowance to noncurrent loans | 61.5851% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.2054% | 2,428 |
| Noncurrent loans to loans | 2.8534% | 1,973 |
| Net loans and leases to total assets | 62.5824% | 3,287 |
| Net loans and leases to deposits | 72.7570% | 3,486 |
| Net loans and leases to core deposits | 79.0085% | 3,327 |
| Total domestic deposits to total assets | 86.0156% | 3,251 |
| Equity capital to assets | 9.6781% | 4,952 |
| Core capital (leverage) ratio | 9.1965% | 4,773 |
| Tier 1 risk-based capital ratio | 13.7388% | 4,732 |
| Total risk-based capital ratio | 14.9933% | 4,683 |
| Memoranda: | ||
| Average total assets | $247,725,250 | 2,575 |
| Average earning assets | $229,038,250 | 2,537 |
| Average equity | $23,237,000 | 2,855 |
| Average total loans | $169,303,750 | 2,351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 3,391 |
| Cost of funding earning assets | 0.8335% | 2,921 |
| Net interest margin | 3.7604% | 3,539 |
| Noninterest income to average assets | 0.4907% | 3,980 |
| Noninterest expense to average assets | 2.2492% | 5,874 |
| Loan and lease loss provision to assets | 0.1287% | 3,914 |
| Net operating income to assets | 1.5968% | 842 |
| Return on assets (ROA) | 1.7247% | 720 |
| Pretax return on assets | 1.7247% | 1,196 |
| Return on Equity (ROE) | 18.5807% | 445 |
| Retained earnings to average equity (ytd only) | 5.8325% | 2,810 |
| Net charge-offs to loans | 0.1428% | 3,778 |
| Credit loss provision to net charge-offs | 129.0323% | 2,128 |
| Earnings coverage of net charge-offs (x) | 17.2984% | 1,539 |
| Efficiency ratio | 56.5877% | 6,052 |
| Assets per employee ($millions) | 4.4648% | 2,970 |
| Cash dividends to net income (ytd only)* | 68.6101% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 2,527 |
| Loan loss allowance to noncurrent loans | 58.4293% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.4197% | 2,309 |
| Noncurrent loans to loans | 3.2653% | 1,781 |
| Net loans and leases to total assets | 61.4753% | 3,538 |
| Net loans and leases to deposits | 70.9879% | 3,770 |
| Net loans and leases to core deposits | 76.3291% | 3,733 |
| Total domestic deposits to total assets | 86.5997% | 3,010 |
| Equity capital to assets | 9.2041% | 5,458 |
| Core capital (leverage) ratio | 9.3145% | 4,432 |
| Tier 1 risk-based capital ratio | 13.3154% | 4,955 |
| Total risk-based capital ratio | 14.5719% | 4,915 |
| Memoranda: | ||
| Average total assets | $248,621,330 | 2,561 |
| Average earning assets | $230,347,670 | 2,519 |
| Average equity | $23,077,670 | 2,845 |
| Average total loans | $173,707,330 | 2,313 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 2,528 |
| Cost of funding earning assets | 0.9094% | 2,616 |
| Net interest margin | 3.9190% | 2,845 |
| Noninterest income to average assets | 0.5275% | 3,713 |
| Noninterest expense to average assets | 2.1817% | 6,088 |
| Loan and lease loss provision to assets | 0.2605% | 2,369 |
| Net operating income to assets | 1.7128% | 699 |
| Return on assets (ROA) | 1.7583% | 729 |
| Pretax return on assets | 1.7583% | 1,177 |
| Return on Equity (ROE) | 18.8609% | 471 |
| Retained earnings to average equity (ytd only) | 1.6416% | 5,415 |
| Net charge-offs to loans | 0.3252% | 2,350 |
| Credit loss provision to net charge-offs | 108.8435% | 2,149 |
| Earnings coverage of net charge-offs (x) | 8.2449% | 1,983 |
| Efficiency ratio | 52.5078% | 6,493 |
| Assets per employee ($millions) | 4.6288% | 2,763 |
| Cash dividends to net income (ytd only)* | 91.2963% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 3,406 |
| Loan loss allowance to noncurrent loans | 46.3475% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6561% | 2,221 |
| Noncurrent loans to loans | 3.6380% | 1,705 |
| Net loans and leases to total assets | 71.7781% | 1,445 |
| Net loans and leases to deposits | 85.9637% | 1,424 |
| Net loans and leases to core deposits | 93.0575% | 1,540 |
| Total domestic deposits to total assets | 83.4981% | 4,712 |
| Equity capital to assets | 9.3631% | 5,009 |
| Core capital (leverage) ratio | 9.0969% | 4,686 |
| Tier 1 risk-based capital ratio | 11.7194% | 6,145 |
| Total risk-based capital ratio | 12.9733% | 6,125 |
| Memoranda: | ||
| Average total assets | $245,685,000 | 2,602 |
| Average earning assets | $227,406,500 | 2,568 |
| Average equity | $22,904,500 | 2,862 |
| Average total loans | $180,814,000 | 2,227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 3,135 |
| Cost of funding earning assets | 1.0212% | 3,229 |
| Net interest margin | 3.9229% | 3,240 |
| Noninterest income to average assets | 0.4595% | 4,147 |
| Noninterest expense to average assets | 2.1589% | 6,364 |
| Loan and lease loss provision to assets | 0.7998% | 1,233 |
| Net operating income to assets | 1.1577% | 1,648 |
| Return on assets (ROA) | 1.1592% | 1,749 |
| Pretax return on assets | 1.1592% | 2,614 |
| Return on Equity (ROE) | 13.0325% | 1,159 |
| Retained earnings to average equity (ytd only) | 1.6711% | 5,015 |
| Net charge-offs to loans | 0.9651% | 1,786 |
| Credit loss provision to net charge-offs | 113.8674% | 2,877 |
| Earnings coverage of net charge-offs (x) | 2.7867% | 3,828 |
| Efficiency ratio | 52.4465% | 6,667 |
| Assets per employee ($millions) | 4.6424% | 2,700 |
| Cash dividends to net income (ytd only)* | 87.1778% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 3,388 |
| Loan loss allowance to noncurrent loans | 54.3663% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.2480% | 2,681 |
| Noncurrent loans to loans | 3.0304% | 2,145 |
| Net loans and leases to total assets | 72.9587% | 1,462 |
| Net loans and leases to deposits | 87.3266% | 1,471 |
| Net loans and leases to core deposits | 94.3826% | 1,654 |
| Total domestic deposits to total assets | 83.5470% | 4,518 |
| Equity capital to assets | 9.2824% | 5,167 |
| Core capital (leverage) ratio | 8.8685% | 4,995 |
| Tier 1 risk-based capital ratio | 11.6574% | 6,053 |
| Total risk-based capital ratio | 12.9115% | 6,038 |
| Memoranda: | ||
| Average total assets | $257,674,000 | 2,452 |
| Average earning assets | $240,205,200 | 2,400 |
| Average equity | $22,919,600 | 2,788 |
| Average total loans | $187,545,400 | 2,156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 3,393 |
| Cost of funding earning assets | 1.0301% | 3,468 |
| Net interest margin | 3.9078% | 3,345 |
| Noninterest income to average assets | 0.4344% | 4,407 |
| Noninterest expense to average assets | 1.9975% | 6,695 |
| Loan and lease loss provision to assets | 0.4093% | 2,417 |
| Net operating income to assets | 1.6844% | 657 |
| Return on assets (ROA) | 1.6864% | 715 |
| Pretax return on assets | 1.6864% | 1,170 |
| Return on Equity (ROE) | 19.1570% | 371 |
| Retained earnings to average equity (ytd only) | 4.8241% | 3,298 |
| Net charge-offs to loans | 0.5551% | 2,571 |
| Credit loss provision to net charge-offs | 101.7812% | 3,290 |
| Earnings coverage of net charge-offs (x) | 5.2061% | 2,851 |
| Efficiency ratio | 48.8244% | 6,900 |
| Assets per employee ($millions) | 4.8005% | 2,471 |
| Cash dividends to net income (ytd only)* | 74.8180% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,759 |
| Loan loss allowance to noncurrent loans | 102.2140% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 4,616 |
| Noncurrent loans to loans | 1.5443% | 3,965 |
| Net loans and leases to total assets | 67.8818% | 2,504 |
| Net loans and leases to deposits | 81.1545% | 2,506 |
| Net loans and leases to core deposits | 87.3543% | 2,581 |
| Total domestic deposits to total assets | 83.6451% | 4,405 |
| Equity capital to assets | 9.1532% | 5,584 |
| Core capital (leverage) ratio | 8.8729% | 5,153 |
| Tier 1 risk-based capital ratio | 12.3108% | 5,660 |
| Total risk-based capital ratio | 13.5284% | 5,669 |
| Memoranda: | ||
| Average total assets | $260,581,000 | 2,429 |
| Average earning assets | $243,848,750 | 2,369 |
| Average equity | $22,939,750 | 2,785 |
| Average total loans | $188,802,000 | 2,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 3,068 |
| Cost of funding earning assets | 1.0443% | 3,645 |
| Net interest margin | 3.9738% | 2,973 |
| Noninterest income to average assets | 0.4257% | 4,462 |
| Noninterest expense to average assets | 1.9685% | 6,850 |
| Loan and lease loss provision to assets | 0.3046% | 2,973 |
| Net operating income to assets | 1.8733% | 428 |
| Return on assets (ROA) | 1.8733% | 458 |
| Pretax return on assets | 1.8733% | 750 |
| Return on Equity (ROE) | 21.5566% | 251 |
| Retained earnings to average equity (ytd only) | 3.9433% | 3,686 |
| Net charge-offs to loans | 0.5351% | 2,491 |
| Credit loss provision to net charge-offs | 77.3694% | 3,848 |
| Earnings coverage of net charge-offs (x) | 5.5319% | 2,593 |
| Efficiency ratio | 47.4747% | 7,087 |
| Assets per employee ($millions) | 5.0449% | 2,065 |
| Cash dividends to net income (ytd only)* | 81.7073% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 4,215 |
| Loan loss allowance to noncurrent loans | 140.9722% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 5,459 |
| Noncurrent loans to loans | 1.0512% | 4,897 |
| Net loans and leases to total assets | 66.8776% | 2,844 |
| Net loans and leases to deposits | 80.0979% | 2,774 |
| Net loans and leases to core deposits | 85.8988% | 2,922 |
| Total domestic deposits to total assets | 83.4948% | 4,550 |
| Equity capital to assets | 8.7155% | 5,924 |
| Core capital (leverage) ratio | 8.0664% | 6,214 |
| Tier 1 risk-based capital ratio | 11.9316% | 5,842 |
| Total risk-based capital ratio | 13.1518% | 5,836 |
| Memoranda: | ||
| Average total assets | $262,632,670 | 2,435 |
| Average earning assets | $245,909,670 | 2,364 |
| Average equity | $22,823,670 | 2,779 |
| Average total loans | $193,243,000 | 2,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 2,456 |
| Cost of funding earning assets | 1.0276% | 4,006 |
| Net interest margin | 4.1169% | 2,204 |
| Noninterest income to average assets | 0.4430% | 4,339 |
| Noninterest expense to average assets | 1.8692% | 7,044 |
| Loan and lease loss provision to assets | 0.1522% | 4,121 |
| Net operating income to assets | 2.2757% | 237 |
| Return on assets (ROA) | 2.2757% | 250 |
| Pretax return on assets | 2.2757% | 357 |
| Return on Equity (ROE) | 26.2240% | 136 |
| Retained earnings to average equity (ytd only) | 17.2079% | 266 |
| Net charge-offs to loans | 0.0100% | 4,961 |
| Credit loss provision to net charge-offs | 2,000.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 89 |
| Efficiency ratio | 43.4998% | 7,298 |
| Assets per employee ($millions) | 5.2952% | 1,776 |
| Cash dividends to net income (ytd only)* | 34.3813% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,511 |
| Loan loss allowance to noncurrent loans | 134.7991% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 5,354 |
| Noncurrent loans to loans | 1.0630% | 4,928 |
| Net loans and leases to total assets | 71.2229% | 1,877 |
| Net loans and leases to deposits | 84.8170% | 1,907 |
| Net loans and leases to core deposits | 91.2663% | 2,201 |
| Total domestic deposits to total assets | 83.9725% | 4,500 |
| Equity capital to assets | 8.4645% | 5,961 |
| Core capital (leverage) ratio | 8.6952% | 5,088 |
| Tier 1 risk-based capital ratio | 11.9748% | 5,717 |
| Total risk-based capital ratio | 13.1967% | 5,728 |
| Memoranda: | ||
| Average total assets | $262,781,000 | 2,448 |
| Average earning assets | $246,007,500 | 2,388 |
| Average equity | $22,803,500 | 2,766 |
| Average total loans | $200,823,000 | 2,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6012% | 1,883 |
| Cost of funding earning assets | 1.0990% | 5,139 |
| Net interest margin | 4.5022% | 1,220 |
| Noninterest income to average assets | 0.6427% | 3,194 |
| Noninterest expense to average assets | 2.3028% | 6,352 |
| Loan and lease loss provision to assets | 0.6101% | 2,693 |
| Net operating income to assets | 1.8871% | 349 |
| Return on assets (ROA) | 1.8871% | 370 |
| Pretax return on assets | 1.8871% | 631 |
| Return on Equity (ROE) | 20.1133% | 247 |
| Retained earnings to average equity (ytd only) | 10.1879% | 481 |
| Net charge-offs to loans | 0.3974% | 4,054 |
| Credit loss provision to net charge-offs | 187.1795% | 1,744 |
| Earnings coverage of net charge-offs (x) | 7.6613% | 2,089 |
| Efficiency ratio | 47.9747% | 7,266 |
| Assets per employee ($millions) | 5.0042% | 2,150 |
| Cash dividends to net income (ytd only)* | 49.3473% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,698 |
| Loan loss allowance to noncurrent loans | 261.2322% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 6,190 |
| Noncurrent loans to loans | 0.5205% | 5,998 |
| Net loans and leases to total assets | 79.9030% | 672 |
| Net loans and leases to deposits | 97.9933% | 717 |
| Net loans and leases to core deposits | 106.4926% | 1,157 |
| Total domestic deposits to total assets | 81.5392% | 5,343 |
| Equity capital to assets | 8.9125% | 5,268 |
| Core capital (leverage) ratio | 9.2733% | 4,062 |
| Tier 1 risk-based capital ratio | 10.4544% | 6,729 |
| Total risk-based capital ratio | 11.7053% | 6,706 |
| Memoranda: | ||
| Average total assets | $227,333,200 | 2,788 |
| Average earning assets | $209,920,800 | 2,759 |
| Average equity | $21,329,200 | 2,966 |
| Average total loans | $186,439,800 | 2,284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 1,705 |
| Cost of funding earning assets | 1.1250% | 5,285 |
| Net interest margin | 4.5779% | 1,094 |
| Noninterest income to average assets | 0.6949% | 2,845 |
| Noninterest expense to average assets | 2.1942% | 6,619 |
| Loan and lease loss provision to assets | 0.4512% | 3,214 |
| Net operating income to assets | 2.2627% | 211 |
| Return on assets (ROA) | 2.2627% | 226 |
| Pretax return on assets | 2.2627% | 369 |
| Return on Equity (ROE) | 23.7808% | 144 |
| Retained earnings to average equity (ytd only) | 10.5657% | 671 |
| Net charge-offs to loans | 0.1426% | 5,159 |
| Credit loss provision to net charge-offs | 384.6154% | 809 |
| Earnings coverage of net charge-offs (x) | 23.1337% | 1,066 |
| Efficiency ratio | 44.7046% | 7,440 |
| Assets per employee ($millions) | 4.6095% | 2,733 |
| Cash dividends to net income (ytd only)* | 55.5704% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 4,142 |
| Loan loss allowance to noncurrent loans | 109.0872% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 4,973 |
| Noncurrent loans to loans | 1.3413% | 4,618 |
| Net loans and leases to total assets | 77.8693% | 1,060 |
| Net loans and leases to deposits | 95.8933% | 991 |
| Net loans and leases to core deposits | 105.8277% | 1,342 |
| Total domestic deposits to total assets | 81.2041% | 5,302 |
| Equity capital to assets | 9.5199% | 4,813 |
| Core capital (leverage) ratio | 9.2508% | 4,275 |
| Tier 1 risk-based capital ratio | 11.2217% | 6,170 |
| Total risk-based capital ratio | 12.4442% | 6,192 |
| Memoranda: | ||
| Average total assets | $221,613,750 | 2,890 |
| Average earning assets | $203,961,500 | 2,871 |
| Average equity | $21,086,500 | 3,038 |
| Average total loans | $182,379,250 | 2,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7345% | 1,620 |
| Cost of funding earning assets | 1.1284% | 5,533 |
| Net interest margin | 4.6061% | 981 |
| Noninterest income to average assets | 0.5506% | 3,708 |
| Noninterest expense to average assets | 2.1842% | 6,687 |
| Loan and lease loss provision to assets | 0.4116% | 3,263 |
| Net operating income to assets | 2.1851% | 237 |
| Return on assets (ROA) | 2.1851% | 260 |
| Pretax return on assets | 2.1851% | 415 |
| Return on Equity (ROE) | 22.9693% | 173 |
| Retained earnings to average equity (ytd only) | 10.9703% | 666 |
| Net charge-offs to loans | 0.2236% | 4,259 |
| Credit loss provision to net charge-offs | 220.5882% | 1,767 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 1,563 |
| Efficiency ratio | 45.6859% | 7,454 |
| Assets per employee ($millions) | 4.5831% | 2,750 |
| Cash dividends to net income (ytd only)* | 52.2394% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,879 |
| Loan loss allowance to noncurrent loans | 93.4179% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 4,915 |
| Noncurrent loans to loans | 1.3981% | 4,605 |
| Net loans and leases to total assets | 77.6898% | 1,165 |
| Net loans and leases to deposits | 95.5989% | 1,083 |
| Net loans and leases to core deposits | 108.4729% | 1,267 |
| Total domestic deposits to total assets | 81.2664% | 5,308 |
| Equity capital to assets | 9.3517% | 4,927 |
| Core capital (leverage) ratio | 9.4505% | 3,894 |
| Tier 1 risk-based capital ratio | 10.9909% | 6,239 |
| Total risk-based capital ratio | 11.9394% | 6,526 |
| Memoranda: | ||
| Average total assets | $218,659,670 | 2,954 |
| Average earning assets | $200,820,670 | 2,938 |
| Average equity | $20,801,670 | 3,064 |
| Average total loans | $182,460,670 | 2,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8334% | 1,366 |
| Cost of funding earning assets | 1.1565% | 5,622 |
| Net interest margin | 4.6770% | 822 |
| Noninterest income to average assets | 0.5211% | 3,886 |
| Noninterest expense to average assets | 2.1273% | 6,871 |
| Loan and lease loss provision to assets | 0.4686% | 2,626 |
| Net operating income to assets | 2.2079% | 248 |
| Return on assets (ROA) | 2.2079% | 275 |
| Pretax return on assets | 2.2079% | 413 |
| Return on Equity (ROE) | 22.9994% | 231 |
| Retained earnings to average equity (ytd only) | 9.5863% | 1,241 |
| Net charge-offs to loans | -0.0196% | 7,074 |
| Credit loss provision to net charge-offs | -2,777.7778% | 6,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2840% | 7,612 |
| Assets per employee ($millions) | 4.3921% | 3,143 |
| Cash dividends to net income (ytd only)* | 58.3192% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 5,022 |
| Loan loss allowance to noncurrent loans | 109.9814% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 5,105 |
| Noncurrent loans to loans | 1.1681% | 5,026 |
| Net loans and leases to total assets | 84.5799% | 325 |
| Net loans and leases to deposits | 104.0267% | 528 |
| Net loans and leases to core deposits | 141.0289% | 317 |
| Total domestic deposits to total assets | 81.3059% | 5,342 |
| Equity capital to assets | 9.6356% | 4,326 |
| Core capital (leverage) ratio | 9.4005% | 3,904 |
| Tier 1 risk-based capital ratio | 10.4866% | 6,642 |
| Total risk-based capital ratio | 11.4016% | 6,920 |
| Memoranda: | ||
| Average total assets | $213,412,000 | 3,064 |
| Average earning assets | $195,425,000 | 3,055 |
| Average equity | $20,487,500 | 3,135 |
| Average total loans | $183,498,000 | 2,447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 2,864 |
| Cost of funding earning assets | 1.5701% | 5,182 |
| Net interest margin | 4.1800% | 2,134 |
| Noninterest income to average assets | 0.7010% | 2,970 |
| Noninterest expense to average assets | 2.5828% | 5,851 |
| Loan and lease loss provision to assets | 0.5249% | 3,747 |
| Net operating income to assets | 1.4456% | 774 |
| Return on assets (ROA) | 1.4532% | 814 |
| Pretax return on assets | 1.4532% | 1,309 |
| Return on Equity (ROE) | 15.5490% | 600 |
| Retained earnings to average equity (ytd only) | 4.4331% | 2,139 |
| Net charge-offs to loans | 0.4262% | 4,086 |
| Credit loss provision to net charge-offs | 147.0745% | 3,205 |
| Earnings coverage of net charge-offs (x) | 5.5213% | 2,574 |
| Efficiency ratio | 56.7230% | 6,927 |
| Assets per employee ($millions) | 4.2322% | 3,374 |
| Cash dividends to net income (ytd only)* | 71.4892% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 5,611 |
| Loan loss allowance to noncurrent loans | 111.6402% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 5,256 |
| Noncurrent loans to loans | 1.0350% | 5,248 |
| Net loans and leases to total assets | 85.2934% | 321 |
| Net loans and leases to deposits | 108.0054% | 461 |
| Net loans and leases to core deposits | 170.0708% | 236 |
| Total domestic deposits to total assets | 78.9714% | 5,987 |
| Equity capital to assets | 9.5637% | 4,333 |
| Core capital (leverage) ratio | 9.6781% | 3,490 |
| Tier 1 risk-based capital ratio | 10.3205% | 6,566 |
| Total risk-based capital ratio | 11.1082% | 6,958 |
| Memoranda: | ||
| Average total assets | $210,701,400 | 3,059 |
| Average earning assets | $194,188,000 | 3,047 |
| Average equity | $19,692,600 | 3,250 |
| Average total loans | $176,460,800 | 2,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 3,167 |
| Cost of funding earning assets | 1.6441% | 5,189 |
| Net interest margin | 4.0906% | 2,442 |
| Noninterest income to average assets | 0.6227% | 3,541 |
| Noninterest expense to average assets | 2.3901% | 6,447 |
| Loan and lease loss provision to assets | 0.2851% | 4,694 |
| Net operating income to assets | 1.7288% | 529 |
| Return on assets (ROA) | 1.7414% | 547 |
| Pretax return on assets | 1.7414% | 897 |
| Return on Equity (ROE) | 18.7420% | 378 |
| Retained earnings to average equity (ytd only) | 4.0430% | 3,018 |
| Net charge-offs to loans | 0.1105% | 5,574 |
| Credit loss provision to net charge-offs | 310.3448% | 1,331 |
| Earnings coverage of net charge-offs (x) | 21.9240% | 1,184 |
| Efficiency ratio | 54.2722% | 7,209 |
| Assets per employee ($millions) | 4.0926% | 3,579 |
| Cash dividends to net income (ytd only)* | 78.4284% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,126 |
| Loan loss allowance to noncurrent loans | 91.8449% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.0966% | 4,886 |
| Noncurrent loans to loans | 1.3044% | 4,758 |
| Net loans and leases to total assets | 83.0646% | 661 |
| Net loans and leases to deposits | 102.5354% | 882 |
| Net loans and leases to core deposits | 157.3988% | 428 |
| Total domestic deposits to total assets | 81.0106% | 5,077 |
| Equity capital to assets | 9.8040% | 4,345 |
| Core capital (leverage) ratio | 9.6099% | 3,777 |
| Tier 1 risk-based capital ratio | 10.6661% | 6,278 |
| Total risk-based capital ratio | 11.4641% | 6,707 |
| Memoranda: | ||
| Average total assets | $210,473,750 | 3,083 |
| Average earning assets | $194,554,750 | 3,064 |
| Average equity | $19,556,250 | 3,308 |
| Average total loans | $174,925,750 | 2,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 3,826 |
| Cost of funding earning assets | 1.7531% | 4,991 |
| Net interest margin | 3.8944% | 3,143 |
| Noninterest income to average assets | 0.6007% | 3,686 |
| Noninterest expense to average assets | 2.3604% | 6,589 |
| Loan and lease loss provision to assets | 0.2825% | 4,317 |
| Net operating income to assets | 1.5658% | 734 |
| Return on assets (ROA) | 1.5846% | 765 |
| Pretax return on assets | 1.5846% | 1,238 |
| Return on Equity (ROE) | 17.3615% | 543 |
| Retained earnings to average equity (ytd only) | 2.0941% | 4,181 |
| Net charge-offs to loans | 0.1319% | 4,849 |
| Credit loss provision to net charge-offs | 258.6207% | 1,797 |
| Earnings coverage of net charge-offs (x) | 16.9224% | 1,512 |
| Efficiency ratio | 56.0850% | 7,112 |
| Assets per employee ($millions) | 4.2101% | 3,280 |
| Cash dividends to net income (ytd only)* | 87.9382% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 5,365 |
| Loan loss allowance to noncurrent loans | 48.1629% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 3,267 |
| Noncurrent loans to loans | 2.3560% | 3,075 |
| Net loans and leases to total assets | 81.9365% | 965 |
| Net loans and leases to deposits | 101.7873% | 1,090 |
| Net loans and leases to core deposits | 149.2236% | 678 |
| Total domestic deposits to total assets | 80.4977% | 5,277 |
| Equity capital to assets | 9.4288% | 4,704 |
| Core capital (leverage) ratio | 9.1525% | 4,381 |
| Tier 1 risk-based capital ratio | 10.5135% | 6,368 |
| Total risk-based capital ratio | 11.2490% | 6,858 |
| Memoranda: | ||
| Average total assets | $212,421,670 | 3,082 |
| Average earning assets | $196,795,000 | 3,042 |
| Average equity | $19,387,670 | 3,339 |
| Average total loans | $175,889,000 | 2,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 4,745 |
| Cost of funding earning assets | 1.8279% | 4,989 |
| Net interest margin | 3.7037% | 3,873 |
| Noninterest income to average assets | 0.5754% | 3,721 |
| Noninterest expense to average assets | 2.2015% | 6,864 |
| Loan and lease loss provision to assets | 0.5569% | 2,252 |
| Net operating income to assets | 1.2548% | 1,494 |
| Return on assets (ROA) | 1.2548% | 1,594 |
| Pretax return on assets | 1.2548% | 2,435 |
| Return on Equity (ROE) | 13.9698% | 1,175 |
| Retained earnings to average equity (ytd only) | 2.2732% | 4,613 |
| Net charge-offs to loans | 0.2400% | 3,201 |
| Credit loss provision to net charge-offs | 280.3738% | 1,717 |
| Earnings coverage of net charge-offs (x) | 9.1215% | 2,103 |
| Efficiency ratio | 54.8566% | 7,123 |
| Assets per employee ($millions) | 4.3974% | 2,893 |
| Cash dividends to net income (ytd only)* | 83.7278% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,611 |
| Loan loss allowance to noncurrent loans | 42.1953% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.1437% | 2,686 |
| Noncurrent loans to loans | 2.5590% | 2,575 |
| Net loans and leases to total assets | 82.8668% | 873 |
| Net loans and leases to deposits | 104.3620% | 985 |
| Net loans and leases to core deposits | 159.7942% | 494 |
| Total domestic deposits to total assets | 79.4033% | 5,574 |
| Equity capital to assets | 9.0263% | 5,323 |
| Core capital (leverage) ratio | 9.0000% | 4,716 |
| Tier 1 risk-based capital ratio | 9.9290% | 7,006 |
| Total risk-based capital ratio | 10.6344% | 7,481 |
| Memoranda: | ||
| Average total assets | $215,485,500 | 3,047 |
| Average earning assets | $200,013,500 | 3,015 |
| Average equity | $19,356,000 | 3,369 |
| Average total loans | $178,348,500 | 2,615 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3625% | 3,625 |
| Cost of funding earning assets | 2.7119% | 3,101 |
| Net interest margin | 3.6506% | 4,675 |
| Noninterest income to average assets | 0.6129% | 3,758 |
| Noninterest expense to average assets | 2.3594% | 6,534 |
| Loan and lease loss provision to assets | 0.4974% | 2,825 |
| Net operating income to assets | 1.0976% | 2,159 |
| Return on assets (ROA) | 1.1340% | 1,930 |
| Pretax return on assets | 1.1340% | 2,901 |
| Return on Equity (ROE) | 12.0290% | 1,588 |
| Retained earnings to average equity (ytd only) | 0.2242% | 5,094 |
| Net charge-offs to loans | 0.2209% | 4,019 |
| Credit loss provision to net charge-offs | 280.3324% | 1,625 |
| Earnings coverage of net charge-offs (x) | 8.9889% | 2,777 |
| Efficiency ratio | 59.6644% | 6,409 |
| Assets per employee ($millions) | 4.2255% | 3,067 |
| Cash dividends to net income (ytd only)* | 98.1361% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,090 |
| Loan loss allowance to noncurrent loans | 61.7657% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 3,581 |
| Noncurrent loans to loans | 1.6136% | 3,348 |
| Net loans and leases to total assets | 80.9457% | 1,453 |
| Net loans and leases to deposits | 101.7636% | 1,608 |
| Net loans and leases to core deposits | 155.7107% | 676 |
| Total domestic deposits to total assets | 79.5429% | 5,187 |
| Equity capital to assets | 8.9387% | 5,448 |
| Core capital (leverage) ratio | 9.3797% | 4,187 |
| Tier 1 risk-based capital ratio | 10.2067% | 6,509 |
| Total risk-based capital ratio | 10.8330% | 7,118 |
| Memoranda: | ||
| Average total assets | $203,443,800 | 3,095 |
| Average earning assets | $186,215,600 | 3,101 |
| Average equity | $19,178,600 | 3,368 |
| Average total loans | $163,424,000 | 2,722 |