Home > First Missouri State Bank > Performance and Condition Ratios
First Missouri State 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 | 5.7825% | 854 |
| Cost of funding earning assets | 2.4034% | 457 |
| Net interest margin | 3.3791% | 2,449 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.0834% | 3,446 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4093% | 1,203 |
| Return on assets (ROA) | 1.4093% | 1,175 |
| Pretax return on assets | 1.4093% | 1,612 |
| Return on Equity (ROE) | 16.9700% | 954 |
| Retained earnings to average equity (ytd only) | 16.9674% | 220 |
| Net charge-offs to loans | -0.0885% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.9463% | 3,191 |
| Assets per employee ($millions) | 9.9090% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,567 |
| Loan loss allowance to noncurrent loans | 299.3450% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 1,368 |
| Noncurrent loans to loans | 0.4524% | 1,651 |
| Net loans and leases to total assets | 77.5200% | 913 |
| Net loans and leases to deposits | 88.9342% | 1,342 |
| Net loans and leases to core deposits | 107.7109% | 1,047 |
| Total domestic deposits to total assets | 87.1700% | 1,622 |
| Equity capital to assets | 8.4298% | 3,101 |
| Core capital (leverage) ratio | 8.5302% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0327% | 1,858 |
| Memoranda: | ||
| Average total assets | $240,042,600 | 2,739 |
| Average earning assets | $219,937,600 | 2,741 |
| Average equity | $19,938,200 | 2,861 |
| Average total loans | $193,260,200 | 2,337 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 912 |
| Cost of funding earning assets | 2.1566% | 538 |
| Net interest margin | 3.4393% | 2,363 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.0686% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3393% | 1,446 |
| Return on assets (ROA) | 1.3393% | 1,430 |
| Pretax return on assets | 1.3393% | 1,932 |
| Return on Equity (ROE) | 16.1900% | 1,221 |
| Retained earnings to average equity (ytd only) | 16.1898% | 448 |
| Net charge-offs to loans | -0.0901% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.7006% | 2,886 |
| Assets per employee ($millions) | 8.7765% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 1,944 |
| Loan loss allowance to noncurrent loans | 252.6725% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 1,389 |
| Noncurrent loans to loans | 0.5078% | 1,546 |
| Net loans and leases to total assets | 81.4000% | 487 |
| Net loans and leases to deposits | 93.6622% | 924 |
| Net loans and leases to core deposits | 114.3157% | 717 |
| Total domestic deposits to total assets | 86.9000% | 1,918 |
| Equity capital to assets | 8.4242% | 2,771 |
| Core capital (leverage) ratio | 8.5890% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4117% | 2,111 |
| Memoranda: | ||
| Average total assets | $235,644,750 | 2,773 |
| Average earning assets | $215,700,250 | 2,780 |
| Average equity | $19,493,250 | 2,889 |
| Average total loans | $190,959,000 | 2,353 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 982 |
| Cost of funding earning assets | 1.9316% | 572 |
| Net interest margin | 3.4441% | 2,405 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.0880% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3182% | 1,520 |
| Return on assets (ROA) | 1.3182% | 1,506 |
| Pretax return on assets | 1.3182% | 2,027 |
| Return on Equity (ROE) | 16.0400% | 1,261 |
| Retained earnings to average equity (ytd only) | 16.0395% | 468 |
| Net charge-offs to loans | -0.0813% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.2993% | 2,809 |
| Assets per employee ($millions) | 8.5484% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 1,865 |
| Loan loss allowance to noncurrent loans | 275.3514% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 1,371 |
| Noncurrent loans to loans | 0.4775% | 1,519 |
| Net loans and leases to total assets | 79.8600% | 647 |
| Net loans and leases to deposits | 91.7552% | 1,044 |
| Net loans and leases to core deposits | 111.3117% | 773 |
| Total domestic deposits to total assets | 87.0400% | 1,918 |
| Equity capital to assets | 8.2994% | 3,025 |
| Core capital (leverage) ratio | 8.3899% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1141% | 2,251 |
| Memoranda: | ||
| Average total assets | $232,278,667 | 2,798 |
| Average earning assets | $212,360,667 | 2,810 |
| Average equity | $19,090,333 | 2,937 |
| Average total loans | $187,070,333 | 2,374 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 1,203 |
| Cost of funding earning assets | 1.6364% | 651 |
| Net interest margin | 3.3781% | 2,691 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.0985% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2468% | 1,802 |
| Return on assets (ROA) | 1.2468% | 1,778 |
| Pretax return on assets | 1.2468% | 2,309 |
| Return on Equity (ROE) | 15.2500% | 1,510 |
| Retained earnings to average equity (ytd only) | 15.2489% | 772 |
| Net charge-offs to loans | -0.0784% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.7287% | 2,605 |
| Assets per employee ($millions) | 8.4789% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,780 |
| Loan loss allowance to noncurrent loans | 269.8601% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 1,321 |
| Noncurrent loans to loans | 0.5037% | 1,458 |
| Net loans and leases to total assets | 76.6300% | 912 |
| Net loans and leases to deposits | 86.8923% | 1,292 |
| Net loans and leases to core deposits | 103.1629% | 959 |
| Total domestic deposits to total assets | 88.1900% | 1,859 |
| Equity capital to assets | 8.0224% | 3,226 |
| Core capital (leverage) ratio | 8.4529% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7216% | 2,488 |
| Memoranda: | ||
| Average total assets | $228,740,000 | 2,848 |
| Average earning assets | $208,991,000 | 2,867 |
| Average equity | $18,703,000 | 3,003 |
| Average total loans | $183,752,000 | 2,426 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 1,007 |
| Cost of funding earning assets | 0.6313% | 785 |
| Net interest margin | 3.6970% | 1,385 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.1979% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4859% | 913 |
| Return on assets (ROA) | 1.4859% | 878 |
| Pretax return on assets | 1.4859% | 1,499 |
| Return on Equity (ROE) | 16.6400% | 931 |
| Retained earnings to average equity (ytd only) | -8.0699% | 4,612 |
| Net charge-offs to loans | 0.0309% | 1,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 58.5926% | 1,272 |
| Efficiency ratio | 59.6634% | 3,102 |
| Assets per employee ($millions) | 7.8597% | 1,396 |
| Cash dividends to net income (ytd only)* | 148.4829% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,692 |
| Loan loss allowance to noncurrent loans | 263.1130% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 1,204 |
| Noncurrent loans to loans | 0.5124% | 1,422 |
| Net loans and leases to total assets | 82.0600% | 402 |
| Net loans and leases to deposits | 93.5531% | 812 |
| Net loans and leases to core deposits | 103.8320% | 824 |
| Total domestic deposits to total assets | 87.7200% | 2,171 |
| Equity capital to assets | 8.3428% | 2,823 |
| Core capital (leverage) ratio | 8.4368% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2876% | 2,653 |
| Memoranda: | ||
| Average total assets | $212,933,000 | 2,959 |
| Average earning assets | $193,400,200 | 2,983 |
| Average equity | $19,009,000 | 3,037 |
| Average total loans | $174,999,400 | 2,409 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 988 |
| Cost of funding earning assets | 0.4395% | 1,034 |
| Net interest margin | 3.7027% | 1,129 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1381% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5679% | 709 |
| Return on assets (ROA) | 1.5679% | 688 |
| Pretax return on assets | 1.5679% | 1,212 |
| Return on Equity (ROE) | 17.2700% | 749 |
| Retained earnings to average equity (ytd only) | -8.8116% | 4,660 |
| Net charge-offs to loans | 0.0154% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 124.1500% | 829 |
| Efficiency ratio | 57.6930% | 3,421 |
| Assets per employee ($millions) | 8.0863% | 1,280 |
| Cash dividends to net income (ytd only)* | 151.0270% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,683 |
| Loan loss allowance to noncurrent loans | 266.7377% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 1,265 |
| Noncurrent loans to loans | 0.5159% | 1,507 |
| Net loans and leases to total assets | 82.1300% | 372 |
| Net loans and leases to deposits | 93.9185% | 641 |
| Net loans and leases to core deposits | 105.4429% | 600 |
| Total domestic deposits to total assets | 87.4500% | 2,612 |
| Equity capital to assets | 8.5321% | 2,521 |
| Core capital (leverage) ratio | 8.9556% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5041% | 2,653 |
| Memoranda: | ||
| Average total assets | $211,148,500 | 2,991 |
| Average earning assets | $191,709,250 | 3,013 |
| Average equity | $19,171,250 | 3,065 |
| Average total loans | $172,983,750 | 2,435 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 926 |
| Cost of funding earning assets | 0.3915% | 974 |
| Net interest margin | 3.6164% | 1,044 |
| Noninterest income to average assets | 0.3660% | 2,949 |
| Noninterest expense to average assets | 2.1307% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5185% | 679 |
| Return on assets (ROA) | 1.5185% | 657 |
| Pretax return on assets | 1.5185% | 1,127 |
| Return on Equity (ROE) | 16.3805% | 651 |
| Retained earnings to average equity (ytd only) | -4.2889% | 4,508 |
| Net charge-offs to loans | 0.0082% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 226.4286% | 501 |
| Efficiency ratio | 58.3880% | 3,507 |
| Assets per employee ($millions) | 7.1402% | 1,850 |
| Cash dividends to net income (ytd only)* | 126.1830% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,557 |
| Loan loss allowance to noncurrent loans | 235.4869% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 1,109 |
| Noncurrent loans to loans | 0.6155% | 1,381 |
| Net loans and leases to total assets | 82.5857% | 259 |
| Net loans and leases to deposits | 92.4617% | 586 |
| Net loans and leases to core deposits | 100.0767% | 668 |
| Total domestic deposits to total assets | 89.3188% | 2,037 |
| Equity capital to assets | 9.4072% | 2,092 |
| Core capital (leverage) ratio | 9.4041% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6347% | 2,234 |
| Memoranda: | ||
| Average total assets | $208,755,000 | 3,035 |
| Average earning assets | $189,524,000 | 3,066 |
| Average equity | $19,352,333 | 3,119 |
| Average total loans | $170,040,667 | 2,462 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 943 |
| Cost of funding earning assets | 0.3867% | 942 |
| Net interest margin | 3.4996% | 1,093 |
| Noninterest income to average assets | 0.4218% | 2,545 |
| Noninterest expense to average assets | 2.0973% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5019% | 635 |
| Return on assets (ROA) | 1.5019% | 624 |
| Pretax return on assets | 1.5019% | 1,013 |
| Return on Equity (ROE) | 16.3202% | 503 |
| Retained earnings to average equity (ytd only) | -25.1542% | 4,730 |
| Net charge-offs to loans | -0.0024% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2715% | 3,651 |
| Assets per employee ($millions) | 7.5233% | 1,666 |
| Cash dividends to net income (ytd only)* | 254.1296% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,574 |
| Loan loss allowance to noncurrent loans | 244.9515% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,229 |
| Noncurrent loans to loans | 0.6087% | 1,539 |
| Net loans and leases to total assets | 79.1287% | 286 |
| Net loans and leases to deposits | 88.0028% | 620 |
| Net loans and leases to core deposits | 95.1709% | 688 |
| Total domestic deposits to total assets | 89.9161% | 1,613 |
| Equity capital to assets | 8.8681% | 2,824 |
| Core capital (leverage) ratio | 8.9708% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2847% | 2,490 |
| Memoranda: | ||
| Average total assets | $209,600,000 | 3,044 |
| Average earning assets | $190,309,000 | 3,079 |
| Average equity | $19,289,000 | 3,211 |
| Average total loans | $168,300,500 | 2,470 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 818 |
| Cost of funding earning assets | 0.4778% | 1,019 |
| Net interest margin | 3.8475% | 924 |
| Noninterest income to average assets | 0.5734% | 2,265 |
| Noninterest expense to average assets | 2.1397% | 3,273 |
| Loan and lease loss provision to assets | 0.0173% | 2,727 |
| Net operating income to assets | 1.9022% | 409 |
| Return on assets (ROA) | 1.9022% | 431 |
| Pretax return on assets | 1.9022% | 720 |
| Return on Equity (ROE) | 20.3710% | 290 |
| Retained earnings to average equity (ytd only) | 6.7527% | 2,019 |
| Net charge-offs to loans | -0.0062% | 3,606 |
| Credit loss provision to net charge-offs | -360.0000% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7131% | 4,063 |
| Assets per employee ($millions) | 7.4481% | 1,650 |
| Cash dividends to net income (ytd only)* | 66.8517% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,528 |
| Loan loss allowance to noncurrent loans | 248.2283% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 1,369 |
| Noncurrent loans to loans | 0.6070% | 1,624 |
| Net loans and leases to total assets | 79.0560% | 315 |
| Net loans and leases to deposits | 88.5464% | 625 |
| Net loans and leases to core deposits | 95.5535% | 711 |
| Total domestic deposits to total assets | 89.2820% | 1,360 |
| Equity capital to assets | 9.5408% | 3,108 |
| Core capital (leverage) ratio | 9.5272% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2277% | 2,151 |
| Memoranda: | ||
| Average total assets | $208,393,800 | 3,000 |
| Average earning assets | $188,797,200 | 3,040 |
| Average equity | $19,459,000 | 3,257 |
| Average total loans | $160,523,000 | 2,538 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 778 |
| Cost of funding earning assets | 0.5007% | 1,040 |
| Net interest margin | 3.9254% | 893 |
| Noninterest income to average assets | 0.6233% | 2,122 |
| Noninterest expense to average assets | 2.0714% | 3,450 |
| Loan and lease loss provision to assets | 0.0077% | 2,827 |
| Net operating income to assets | 2.1008% | 394 |
| Return on assets (ROA) | 2.1008% | 416 |
| Pretax return on assets | 2.1008% | 673 |
| Return on Equity (ROE) | 22.6219% | 269 |
| Retained earnings to average equity (ytd only) | 11.2524% | 1,000 |
| Net charge-offs to loans | -0.0067% | 3,527 |
| Credit loss provision to net charge-offs | -150.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5560% | 4,259 |
| Assets per employee ($millions) | 6.7315% | 2,066 |
| Cash dividends to net income (ytd only)* | 50.2589% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,677 |
| Loan loss allowance to noncurrent loans | 238.6233% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 1,465 |
| Noncurrent loans to loans | 0.6241% | 1,747 |
| Net loans and leases to total assets | 79.1211% | 342 |
| Net loans and leases to deposits | 88.8680% | 664 |
| Net loans and leases to core deposits | 96.3043% | 734 |
| Total domestic deposits to total assets | 89.0322% | 1,260 |
| Equity capital to assets | 9.6883% | 3,198 |
| Core capital (leverage) ratio | 9.7101% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3423% | 2,237 |
| Memoranda: | ||
| Average total assets | $208,355,500 | 3,030 |
| Average earning assets | $188,782,500 | 3,078 |
| Average equity | $19,349,500 | 3,306 |
| Average total loans | $158,806,000 | 2,591 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 1,271 |
| Cost of funding earning assets | 0.5289% | 1,040 |
| Net interest margin | 3.6152% | 1,553 |
| Noninterest income to average assets | 0.6992% | 1,810 |
| Noninterest expense to average assets | 1.9582% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0168% | 471 |
| Return on assets (ROA) | 2.0168% | 499 |
| Pretax return on assets | 2.0168% | 817 |
| Return on Equity (ROE) | 22.0353% | 313 |
| Retained earnings to average equity (ytd only) | 7.8697% | 2,119 |
| Net charge-offs to loans | -0.0051% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2631% | 4,294 |
| Assets per employee ($millions) | 6.8472% | 1,911 |
| Cash dividends to net income (ytd only)* | 64.2857% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,531 |
| Loan loss allowance to noncurrent loans | 241.7154% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 1,661 |
| Noncurrent loans to loans | 0.6280% | 1,839 |
| Net loans and leases to total assets | 75.7956% | 610 |
| Net loans and leases to deposits | 84.5243% | 1,024 |
| Net loans and leases to core deposits | 91.8698% | 1,014 |
| Total domestic deposits to total assets | 89.6732% | 936 |
| Equity capital to assets | 9.1085% | 3,703 |
| Core capital (leverage) ratio | 9.1435% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3538% | 2,224 |
| Memoranda: | ||
| Average total assets | $208,249,000 | 3,029 |
| Average earning assets | $188,704,000 | 3,077 |
| Average equity | $19,060,333 | 3,333 |
| Average total loans | $155,874,000 | 2,629 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 1,100 |
| Cost of funding earning assets | 0.5748% | 991 |
| Net interest margin | 3.6866% | 1,364 |
| Noninterest income to average assets | 0.8243% | 1,530 |
| Noninterest expense to average assets | 1.8774% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2808% | 369 |
| Return on assets (ROA) | 2.2808% | 397 |
| Pretax return on assets | 2.2808% | 602 |
| Return on Equity (ROE) | 24.8580% | 262 |
| Retained earnings to average equity (ytd only) | 14.2891% | 728 |
| Net charge-offs to loans | -0.0079% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1493% | 4,518 |
| Assets per employee ($millions) | 6.9254% | 1,846 |
| Cash dividends to net income (ytd only)* | 42.5170% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 1,148 |
| Loan loss allowance to noncurrent loans | 232.9887% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 1,792 |
| Noncurrent loans to loans | 0.7119% | 1,817 |
| Net loans and leases to total assets | 70.7420% | 1,187 |
| Net loans and leases to deposits | 79.0146% | 1,611 |
| Net loans and leases to core deposits | 86.3472% | 1,496 |
| Total domestic deposits to total assets | 89.5303% | 1,056 |
| Equity capital to assets | 9.2707% | 3,425 |
| Core capital (leverage) ratio | 9.4202% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7366% | 1,664 |
| Memoranda: | ||
| Average total assets | $206,242,000 | 3,033 |
| Average earning assets | $186,514,500 | 3,083 |
| Average equity | $18,923,500 | 3,338 |
| Average total loans | $152,128,000 | 2,669 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 728 |
| Cost of funding earning assets | 0.9836% | 629 |
| Net interest margin | 3.8248% | 1,437 |
| Noninterest income to average assets | 0.7957% | 1,542 |
| Noninterest expense to average assets | 2.3341% | 3,312 |
| Loan and lease loss provision to assets | 0.2027% | 1,938 |
| Net operating income to assets | 1.7068% | 489 |
| Return on assets (ROA) | 1.7068% | 530 |
| Pretax return on assets | 1.7068% | 843 |
| Return on Equity (ROE) | 18.5131% | 304 |
| Retained earnings to average equity (ytd only) | 9.2847% | 714 |
| Net charge-offs to loans | 0.0259% | 2,516 |
| Credit loss provision to net charge-offs | 975.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 91.8500% | 831 |
| Efficiency ratio | 55.0031% | 4,090 |
| Assets per employee ($millions) | 6.3976% | 2,002 |
| Cash dividends to net income (ytd only)* | 49.8477% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,297 |
| Loan loss allowance to noncurrent loans | 221.8638% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 1,871 |
| Noncurrent loans to loans | 0.7209% | 1,896 |
| Net loans and leases to total assets | 74.4063% | 969 |
| Net loans and leases to deposits | 82.9003% | 1,559 |
| Net loans and leases to core deposits | 90.7156% | 1,472 |
| Total domestic deposits to total assets | 89.7539% | 656 |
| Equity capital to assets | 9.0787% | 3,988 |
| Core capital (leverage) ratio | 9.2068% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7634% | 1,945 |
| Memoranda: | ||
| Average total assets | $192,409,600 | 3,010 |
| Average earning assets | $173,445,000 | 3,040 |
| Average equity | $17,738,800 | 3,395 |
| Average total loans | $154,230,400 | 2,625 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 720 |
| Cost of funding earning assets | 1.0678% | 602 |
| Net interest margin | 3.8409% | 1,500 |
| Noninterest income to average assets | 0.7852% | 1,549 |
| Noninterest expense to average assets | 2.1852% | 3,716 |
| Loan and lease loss provision to assets | 0.2747% | 1,465 |
| Net operating income to assets | 1.7880% | 464 |
| Return on assets (ROA) | 1.7880% | 522 |
| Pretax return on assets | 1.7880% | 799 |
| Return on Equity (ROE) | 19.3145% | 275 |
| Retained earnings to average equity (ytd only) | 10.6652% | 637 |
| Net charge-offs to loans | 0.0251% | 2,334 |
| Credit loss provision to net charge-offs | 1,344.8276% | 675 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 783 |
| Efficiency ratio | 51.4423% | 4,384 |
| Assets per employee ($millions) | 6.3084% | 1,988 |
| Cash dividends to net income (ytd only)* | 44.7814% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 1,283 |
| Loan loss allowance to noncurrent loans | 209.1674% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 1,906 |
| Noncurrent loans to loans | 0.7335% | 1,975 |
| Net loans and leases to total assets | 81.6164% | 467 |
| Net loans and leases to deposits | 92.4600% | 1,036 |
| Net loans and leases to core deposits | 101.8142% | 1,039 |
| Total domestic deposits to total assets | 88.2721% | 1,078 |
| Equity capital to assets | 9.3797% | 3,787 |
| Core capital (leverage) ratio | 9.4808% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3750% | 2,042 |
| Memoranda: | ||
| Average total assets | $189,331,500 | 3,019 |
| Average earning assets | $170,685,500 | 3,056 |
| Average equity | $17,527,000 | 3,417 |
| Average total loans | $154,087,500 | 2,631 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 959 |
| Cost of funding earning assets | 1.1728% | 559 |
| Net interest margin | 3.7371% | 2,037 |
| Noninterest income to average assets | 0.8641% | 1,253 |
| Noninterest expense to average assets | 2.1831% | 3,844 |
| Loan and lease loss provision to assets | 0.3097% | 1,393 |
| Net operating income to assets | 1.7303% | 585 |
| Return on assets (ROA) | 1.7303% | 639 |
| Pretax return on assets | 1.7303% | 932 |
| Return on Equity (ROE) | 18.7772% | 320 |
| Retained earnings to average equity (ytd only) | 5.5984% | 2,237 |
| Net charge-offs to loans | 0.0026% | 2,906 |
| Credit loss provision to net charge-offs | 14,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 955.0000% | 95 |
| Efficiency ratio | 51.6945% | 4,382 |
| Assets per employee ($millions) | 5.8805% | 2,290 |
| Cash dividends to net income (ytd only)* | 70.1852% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,145 |
| Loan loss allowance to noncurrent loans | 195.9416% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 1,915 |
| Noncurrent loans to loans | 0.7867% | 1,925 |
| Net loans and leases to total assets | 79.4525% | 661 |
| Net loans and leases to deposits | 90.3283% | 1,325 |
| Net loans and leases to core deposits | 99.3550% | 1,308 |
| Total domestic deposits to total assets | 87.9598% | 1,198 |
| Equity capital to assets | 8.9813% | 4,108 |
| Core capital (leverage) ratio | 9.0577% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0871% | 2,142 |
| Memoranda: | ||
| Average total assets | $187,255,333 | 3,022 |
| Average earning assets | $168,314,333 | 3,060 |
| Average equity | $17,255,000 | 3,441 |
| Average total loans | $151,418,000 | 2,645 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1741% | 693 |
| Cost of funding earning assets | 1.3385% | 499 |
| Net interest margin | 3.8356% | 1,864 |
| Noninterest income to average assets | 1.0334% | 799 |
| Noninterest expense to average assets | 2.3084% | 3,754 |
| Loan and lease loss provision to assets | 0.1088% | 2,318 |
| Net operating income to assets | 2.0516% | 245 |
| Return on assets (ROA) | 2.0516% | 267 |
| Pretax return on assets | 2.0516% | 407 |
| Return on Equity (ROE) | 21.9711% | 113 |
| Retained earnings to average equity (ytd only) | 10.3215% | 683 |
| Net charge-offs to loans | 0.0134% | 2,117 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 198.6000% | 348 |
| Efficiency ratio | 51.6553% | 4,569 |
| Assets per employee ($millions) | 5.5257% | 2,095 |
| Cash dividends to net income (ytd only)* | 53.0223% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,499 |
| Loan loss allowance to noncurrent loans | 150.6593% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7903% | 1,717 |
| Noncurrent loans to loans | 0.9678% | 1,697 |
| Net loans and leases to total assets | 80.4653% | 642 |
| Net loans and leases to deposits | 94.6265% | 1,023 |
| Net loans and leases to core deposits | 106.0926% | 1,056 |
| Total domestic deposits to total assets | 85.0346% | 2,400 |
| Equity capital to assets | 9.5390% | 4,178 |
| Core capital (leverage) ratio | 9.3901% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9627% | 2,298 |
| Memoranda: | ||
| Average total assets | $183,854,000 | 3,012 |
| Average earning assets | $164,666,500 | 3,065 |
| Average equity | $17,168,000 | 3,453 |
| Average total loans | $148,828,000 | 2,652 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 744 |
| Cost of funding earning assets | 1.3457% | 667 |
| Net interest margin | 4.0066% | 1,838 |
| Noninterest income to average assets | 0.3929% | 3,342 |
| Noninterest expense to average assets | 2.5621% | 3,282 |
| Loan and lease loss provision to assets | 0.0113% | 3,787 |
| Net operating income to assets | 1.4015% | 1,338 |
| Return on assets (ROA) | 1.4015% | 1,410 |
| Pretax return on assets | 1.4015% | 2,155 |
| Return on Equity (ROE) | 13.3990% | 1,047 |
| Retained earnings to average equity (ytd only) | -16.9059% | 5,126 |
| Net charge-offs to loans | 0.0196% | 3,029 |
| Credit loss provision to net charge-offs | 68.9655% | 2,924 |
| Earnings coverage of net charge-offs (x) | 85.9310% | 755 |
| Efficiency ratio | 64.4559% | 3,007 |
| Assets per employee ($millions) | 5.7925% | 1,797 |
| Cash dividends to net income (ytd only)* | 226.1731% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,425 |
| Loan loss allowance to noncurrent loans | 183.5924% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 1,268 |
| Noncurrent loans to loans | 0.7784% | 1,953 |
| Net loans and leases to total assets | 79.1067% | 916 |
| Net loans and leases to deposits | 92.4354% | 1,318 |
| Net loans and leases to core deposits | 104.4610% | 1,202 |
| Total domestic deposits to total assets | 85.5806% | 2,248 |
| Equity capital to assets | 9.1400% | 4,616 |
| Core capital (leverage) ratio | 9.3929% | 4,178 |
| Tier 1 risk-based capital ratio | 12.2346% | 4,223 |
| Total risk-based capital ratio | 13.4881% | 4,093 |
| Memoranda: | ||
| Average total assets | $176,379,800 | 3,052 |
| Average earning assets | $157,690,200 | 3,105 |
| Average equity | $18,449,200 | 3,286 |
| Average total loans | $147,611,600 | 2,647 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 922 |
| Cost of funding earning assets | 1.3264% | 726 |
| Net interest margin | 3.9398% | 2,135 |
| Noninterest income to average assets | 0.3859% | 3,404 |
| Noninterest expense to average assets | 2.5466% | 3,305 |
| Loan and lease loss provision to assets | 0.0077% | 3,735 |
| Net operating income to assets | 1.3499% | 1,643 |
| Return on assets (ROA) | 1.3499% | 1,713 |
| Pretax return on assets | 1.3499% | 2,496 |
| Return on Equity (ROE) | 12.4860% | 1,451 |
| Retained earnings to average equity (ytd only) | -16.9619% | 5,197 |
| Net charge-offs to loans | 0.0018% | 3,381 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 885.3708% | 108 |
| Efficiency ratio | 65.2285% | 2,822 |
| Assets per employee ($millions) | 5.6909% | 1,854 |
| Cash dividends to net income (ytd only)* | 235.8477% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,541 |
| Loan loss allowance to noncurrent loans | 137.7249% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 975 |
| Noncurrent loans to loans | 1.0230% | 1,568 |
| Net loans and leases to total assets | 84.9987% | 253 |
| Net loans and leases to deposits | 100.7566% | 581 |
| Net loans and leases to core deposits | 111.8001% | 855 |
| Total domestic deposits to total assets | 84.3604% | 2,693 |
| Equity capital to assets | 10.0126% | 4,005 |
| Core capital (leverage) ratio | 10.1003% | 3,533 |
| Tier 1 risk-based capital ratio | 12.5238% | 4,130 |
| Total risk-based capital ratio | 13.7772% | 4,002 |
| Memoranda: | ||
| Average total assets | $174,134,500 | 3,105 |
| Average earning assets | $155,502,250 | 3,160 |
| Average equity | $18,826,000 | 3,266 |
| Average total loans | $147,324,750 | 2,673 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 1,064 |
| Cost of funding earning assets | 1.2788% | 792 |
| Net interest margin | 3.8841% | 2,288 |
| Noninterest income to average assets | 0.3795% | 3,405 |
| Noninterest expense to average assets | 2.5529% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2920% | 1,808 |
| Return on assets (ROA) | 1.2920% | 1,864 |
| Pretax return on assets | 1.2920% | 2,586 |
| Return on Equity (ROE) | 11.6586% | 1,710 |
| Retained earnings to average equity (ytd only) | -17.4358% | 5,237 |
| Net charge-offs to loans | -0.0027% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3966% | 2,765 |
| Assets per employee ($millions) | 5.3233% | 2,128 |
| Cash dividends to net income (ytd only)* | 249.5536% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,375 |
| Loan loss allowance to noncurrent loans | 125.7799% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 912 |
| Noncurrent loans to loans | 1.1649% | 1,388 |
| Net loans and leases to total assets | 81.8068% | 635 |
| Net loans and leases to deposits | 98.8452% | 758 |
| Net loans and leases to core deposits | 112.5434% | 847 |
| Total domestic deposits to total assets | 82.7626% | 3,285 |
| Equity capital to assets | 10.4639% | 3,546 |
| Core capital (leverage) ratio | 10.7538% | 2,835 |
| Tier 1 risk-based capital ratio | 13.4495% | 3,608 |
| Total risk-based capital ratio | 14.7032% | 3,506 |
| Memoranda: | ||
| Average total assets | $173,373,330 | 3,124 |
| Average earning assets | $154,680,330 | 3,185 |
| Average equity | $19,213,330 | 3,230 |
| Average total loans | $145,734,330 | 2,702 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 999 |
| Cost of funding earning assets | 1.2305% | 824 |
| Net interest margin | 3.9210% | 2,127 |
| Noninterest income to average assets | 0.3577% | 3,459 |
| Noninterest expense to average assets | 2.4967% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3540% | 1,516 |
| Return on assets (ROA) | 1.3540% | 1,557 |
| Pretax return on assets | 1.3540% | 2,250 |
| Return on Equity (ROE) | 11.8804% | 1,581 |
| Retained earnings to average equity (ytd only) | -16.6896% | 5,228 |
| Net charge-offs to loans | 0.0055% | 2,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 291.5000% | 279 |
| Efficiency ratio | 64.8372% | 3,110 |
| Assets per employee ($millions) | 5.5536% | 1,936 |
| Cash dividends to net income (ytd only)* | 240.4803% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,363 |
| Loan loss allowance to noncurrent loans | 125.1026% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 913 |
| Noncurrent loans to loans | 1.1920% | 1,388 |
| Net loans and leases to total assets | 81.8466% | 605 |
| Net loans and leases to deposits | 99.8611% | 648 |
| Net loans and leases to core deposits | 109.4321% | 964 |
| Total domestic deposits to total assets | 81.9605% | 3,736 |
| Equity capital to assets | 11.1680% | 2,687 |
| Core capital (leverage) ratio | 11.2806% | 2,312 |
| Tier 1 risk-based capital ratio | 14.2640% | 3,209 |
| Total risk-based capital ratio | 15.5181% | 3,137 |
| Memoranda: | ||
| Average total assets | $172,225,000 | 3,168 |
| Average earning assets | $153,430,500 | 3,228 |
| Average equity | $19,629,000 | 3,193 |
| Average total loans | $145,678,000 | 2,733 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 953 |
| Cost of funding earning assets | 0.9945% | 771 |
| Net interest margin | 4.0488% | 1,831 |
| Noninterest income to average assets | 0.4162% | 3,337 |
| Noninterest expense to average assets | 2.3681% | 3,963 |
| Loan and lease loss provision to assets | 0.0379% | 3,449 |
| Net operating income to assets | 1.6585% | 760 |
| Return on assets (ROA) | 1.6585% | 754 |
| Pretax return on assets | 1.6585% | 1,284 |
| Return on Equity (ROE) | 13.9449% | 1,057 |
| Retained earnings to average equity (ytd only) | -4.3973% | 5,228 |
| Net charge-offs to loans | 0.0443% | 2,538 |
| Credit loss provision to net charge-offs | 98.5075% | 2,587 |
| Earnings coverage of net charge-offs (x) | 44.1045% | 1,228 |
| Efficiency ratio | 58.2627% | 4,125 |
| Assets per employee ($millions) | 5.3840% | 2,075 |
| Cash dividends to net income (ytd only)* | 131.5334% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,491 |
| Loan loss allowance to noncurrent loans | 120.6897% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4650% | 806 |
| Noncurrent loans to loans | 1.1927% | 1,344 |
| Net loans and leases to total assets | 84.8458% | 329 |
| Net loans and leases to deposits | 105.5093% | 392 |
| Net loans and leases to core deposits | 114.8672% | 742 |
| Total domestic deposits to total assets | 80.4155% | 4,009 |
| Equity capital to assets | 11.6264% | 2,159 |
| Core capital (leverage) ratio | 11.3938% | 2,185 |
| Tier 1 risk-based capital ratio | 14.3321% | 3,148 |
| Total risk-based capital ratio | 15.5857% | 3,061 |
| Memoranda: | ||
| Average total assets | $174,192,000 | 3,121 |
| Average earning assets | $156,960,000 | 3,169 |
| Average equity | $20,717,200 | 3,019 |
| Average total loans | $151,292,000 | 2,628 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 1,036 |
| Cost of funding earning assets | 0.9194% | 843 |
| Net interest margin | 4.0341% | 1,842 |
| Noninterest income to average assets | 0.3656% | 3,680 |
| Noninterest expense to average assets | 2.2114% | 4,298 |
| Loan and lease loss provision to assets | 0.0504% | 2,978 |
| Net operating income to assets | 1.7511% | 662 |
| Return on assets (ROA) | 1.7511% | 666 |
| Pretax return on assets | 1.7511% | 1,136 |
| Return on Equity (ROE) | 14.6423% | 951 |
| Retained earnings to average equity (ytd only) | -3.3446% | 5,263 |
| Net charge-offs to loans | 0.0623% | 1,935 |
| Credit loss provision to net charge-offs | 92.9577% | 2,385 |
| Earnings coverage of net charge-offs (x) | 33.2410% | 1,519 |
| Efficiency ratio | 55.1075% | 4,498 |
| Assets per employee ($millions) | 5.3425% | 2,081 |
| Cash dividends to net income (ytd only)* | 122.8422% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,690 |
| Loan loss allowance to noncurrent loans | 98.6574% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.5672% | 808 |
| Noncurrent loans to loans | 1.4208% | 1,167 |
| Net loans and leases to total assets | 85.0246% | 358 |
| Net loans and leases to deposits | 110.9170% | 265 |
| Net loans and leases to core deposits | 121.1106% | 542 |
| Total domestic deposits to total assets | 76.6561% | 4,695 |
| Equity capital to assets | 11.5755% | 2,206 |
| Core capital (leverage) ratio | 11.5918% | 2,097 |
| Tier 1 risk-based capital ratio | 14.2837% | 3,222 |
| Total risk-based capital ratio | 15.5367% | 3,139 |
| Memoranda: | ||
| Average total assets | $174,667,750 | 3,141 |
| Average earning assets | $157,918,250 | 3,187 |
| Average equity | $20,888,750 | 3,030 |
| Average total loans | $152,036,250 | 2,635 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 1,168 |
| Cost of funding earning assets | 0.8455% | 940 |
| Net interest margin | 3.9873% | 1,904 |
| Noninterest income to average assets | 0.3767% | 3,636 |
| Noninterest expense to average assets | 2.1341% | 4,533 |
| Loan and lease loss provision to assets | 0.0528% | 2,858 |
| Net operating income to assets | 1.8137% | 566 |
| Return on assets (ROA) | 1.8137% | 568 |
| Pretax return on assets | 1.8137% | 930 |
| Return on Equity (ROE) | 15.0031% | 851 |
| Retained earnings to average equity (ytd only) | 0.5036% | 4,862 |
| Net charge-offs to loans | 0.0908% | 1,441 |
| Credit loss provision to net charge-offs | 66.6667% | 2,382 |
| Earnings coverage of net charge-offs (x) | 23.5507% | 1,706 |
| Efficiency ratio | 53.3448% | 4,753 |
| Assets per employee ($millions) | 5.8819% | 1,562 |
| Cash dividends to net income (ytd only)* | 96.6434% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,842 |
| Loan loss allowance to noncurrent loans | 92.2305% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 769 |
| Noncurrent loans to loans | 1.4877% | 1,129 |
| Net loans and leases to total assets | 86.0760% | 260 |
| Net loans and leases to deposits | 112.6891% | 219 |
| Net loans and leases to core deposits | 122.2153% | 512 |
| Total domestic deposits to total assets | 76.3836% | 4,822 |
| Equity capital to assets | 11.8935% | 1,928 |
| Core capital (leverage) ratio | 12.0822% | 1,662 |
| Tier 1 risk-based capital ratio | 14.6470% | 3,041 |
| Total risk-based capital ratio | 15.8994% | 2,966 |
| Memoranda: | ||
| Average total assets | $174,122,670 | 3,167 |
| Average earning assets | $158,254,000 | 3,201 |
| Average equity | $21,049,000 | 3,013 |
| Average total loans | $152,037,670 | 2,644 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,175 |
| Cost of funding earning assets | 0.7724% | 1,093 |
| Net interest margin | 3.9833% | 1,780 |
| Noninterest income to average assets | 0.2983% | 4,168 |
| Noninterest expense to average assets | 2.1254% | 4,601 |
| Loan and lease loss provision to assets | 0.0139% | 3,349 |
| Net operating income to assets | 1.7970% | 571 |
| Return on assets (ROA) | 1.7970% | 571 |
| Pretax return on assets | 1.7970% | 917 |
| Return on Equity (ROE) | 14.7438% | 846 |
| Retained earnings to average equity (ytd only) | 5.2182% | 3,073 |
| Net charge-offs to loans | -0.0026% | 3,849 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9953% | 4,798 |
| Assets per employee ($millions) | 5.8120% | 1,670 |
| Cash dividends to net income (ytd only)* | 64.6075% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,760 |
| Loan loss allowance to noncurrent loans | 93.4176% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 719 |
| Noncurrent loans to loans | 1.5213% | 1,156 |
| Net loans and leases to total assets | 85.2541% | 319 |
| Net loans and leases to deposits | 110.4901% | 239 |
| Net loans and leases to core deposits | 118.7520% | 624 |
| Total domestic deposits to total assets | 77.1599% | 4,842 |
| Equity capital to assets | 12.1645% | 1,679 |
| Core capital (leverage) ratio | 12.4969% | 1,392 |
| Tier 1 risk-based capital ratio | 15.3010% | 2,733 |
| Total risk-based capital ratio | 16.5546% | 2,674 |
| Memoranda: | ||
| Average total assets | $172,955,000 | 3,209 |
| Average earning assets | $157,959,000 | 3,236 |
| Average equity | $21,080,000 | 3,037 |
| Average total loans | $151,056,000 | 2,673 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 1,094 |
| Cost of funding earning assets | 0.6898% | 1,079 |
| Net interest margin | 4.0514% | 1,588 |
| Noninterest income to average assets | 0.3612% | 3,882 |
| Noninterest expense to average assets | 2.2036% | 4,525 |
| Loan and lease loss provision to assets | 0.0362% | 3,541 |
| Net operating income to assets | 1.9070% | 333 |
| Return on assets (ROA) | 1.9070% | 344 |
| Pretax return on assets | 1.9070% | 596 |
| Return on Equity (ROE) | 15.4015% | 559 |
| Retained earnings to average equity (ytd only) | 4.8005% | 2,257 |
| Net charge-offs to loans | 0.0366% | 3,058 |
| Credit loss provision to net charge-offs | 111.1111% | 2,341 |
| Earnings coverage of net charge-offs (x) | 59.5741% | 960 |
| Efficiency ratio | 53.1391% | 5,020 |
| Assets per employee ($millions) | 5.7183% | 1,738 |
| Cash dividends to net income (ytd only)* | 68.8312% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,719 |
| Loan loss allowance to noncurrent loans | 109.5947% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 764 |
| Noncurrent loans to loans | 1.2880% | 1,361 |
| Net loans and leases to total assets | 86.9624% | 194 |
| Net loans and leases to deposits | 110.5075% | 256 |
| Net loans and leases to core deposits | 118.2798% | 643 |
| Total domestic deposits to total assets | 78.6937% | 4,607 |
| Equity capital to assets | 12.2122% | 1,692 |
| Core capital (leverage) ratio | 12.2213% | 1,487 |
| Tier 1 risk-based capital ratio | 15.1876% | 2,754 |
| Total risk-based capital ratio | 16.4410% | 2,683 |
| Memoranda: | ||
| Average total assets | $165,546,600 | 3,290 |
| Average earning assets | $154,686,800 | 3,263 |
| Average equity | $20,498,000 | 3,083 |
| Average total loans | $147,415,400 | 2,681 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,143 |
| Cost of funding earning assets | 0.6684% | 1,132 |
| Net interest margin | 4.0288% | 1,610 |
| Noninterest income to average assets | 0.3771% | 3,832 |
| Noninterest expense to average assets | 2.1603% | 4,614 |
| Loan and lease loss provision to assets | 0.0366% | 3,380 |
| Net operating income to assets | 1.9620% | 338 |
| Return on assets (ROA) | 1.9620% | 345 |
| Pretax return on assets | 1.9620% | 594 |
| Return on Equity (ROE) | 15.7890% | 548 |
| Retained earnings to average equity (ytd only) | 5.3633% | 2,634 |
| Net charge-offs to loans | 0.0410% | 2,617 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 54.6430% | 1,053 |
| Efficiency ratio | 51.9445% | 5,104 |
| Assets per employee ($millions) | 5.7036% | 1,713 |
| Cash dividends to net income (ytd only)* | 66.0314% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,847 |
| Loan loss allowance to noncurrent loans | 107.2508% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 902 |
| Noncurrent loans to loans | 1.3127% | 1,457 |
| Net loans and leases to total assets | 87.1724% | 192 |
| Net loans and leases to deposits | 111.6318% | 226 |
| Net loans and leases to core deposits | 118.9761% | 618 |
| Total domestic deposits to total assets | 78.0891% | 4,711 |
| Equity capital to assets | 12.1655% | 1,856 |
| Core capital (leverage) ratio | 12.4085% | 1,454 |
| Tier 1 risk-based capital ratio | 15.2228% | 2,826 |
| Total risk-based capital ratio | 16.4765% | 2,756 |
| Memoranda: | ||
| Average total assets | $164,045,750 | 3,332 |
| Average earning assets | $153,987,000 | 3,298 |
| Average equity | $20,385,000 | 3,120 |
| Average total loans | $146,439,250 | 2,708 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 1,167 |
| Cost of funding earning assets | 0.6399% | 1,209 |
| Net interest margin | 4.0035% | 1,593 |
| Noninterest income to average assets | 0.3278% | 4,199 |
| Noninterest expense to average assets | 2.1485% | 4,675 |
| Loan and lease loss provision to assets | 0.0309% | 3,383 |
| Net operating income to assets | 1.9246% | 356 |
| Return on assets (ROA) | 1.9246% | 366 |
| Pretax return on assets | 1.9246% | 619 |
| Return on Equity (ROE) | 15.3745% | 613 |
| Retained earnings to average equity (ytd only) | 4.9601% | 2,737 |
| Net charge-offs to loans | 0.0373% | 2,456 |
| Credit loss provision to net charge-offs | 92.5926% | 2,116 |
| Earnings coverage of net charge-offs (x) | 58.5556% | 967 |
| Efficiency ratio | 52.3508% | 5,152 |
| Assets per employee ($millions) | 5.1575% | 2,205 |
| Cash dividends to net income (ytd only)* | 67.7378% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 1,774 |
| Loan loss allowance to noncurrent loans | 95.6835% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 828 |
| Noncurrent loans to loans | 1.5076% | 1,247 |
| Net loans and leases to total assets | 88.0969% | 141 |
| Net loans and leases to deposits | 109.3952% | 275 |
| Net loans and leases to core deposits | 116.1412% | 703 |
| Total domestic deposits to total assets | 80.5309% | 4,304 |
| Equity capital to assets | 12.4272% | 1,656 |
| Core capital (leverage) ratio | 12.5499% | 1,348 |
| Tier 1 risk-based capital ratio | 15.5446% | 2,687 |
| Total risk-based capital ratio | 16.7992% | 2,620 |
| Memoranda: | ||
| Average total assets | $161,692,000 | 3,375 |
| Average earning assets | $152,515,330 | 3,337 |
| Average equity | $20,241,330 | 3,132 |
| Average total loans | $144,823,000 | 2,734 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,061 |
| Cost of funding earning assets | 0.6227% | 1,228 |
| Net interest margin | 4.0104% | 1,442 |
| Noninterest income to average assets | 0.2950% | 4,438 |
| Noninterest expense to average assets | 2.1648% | 4,733 |
| Loan and lease loss provision to assets | 0.0375% | 3,048 |
| Net operating income to assets | 1.8923% | 372 |
| Return on assets (ROA) | 1.8923% | 386 |
| Pretax return on assets | 1.8923% | 650 |
| Return on Equity (ROE) | 15.0594% | 634 |
| Retained earnings to average equity (ytd only) | 4.2373% | 3,325 |
| Net charge-offs to loans | 0.0836% | 1,512 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 25.7333% | 1,330 |
| Efficiency ratio | 52.8694% | 5,216 |
| Assets per employee ($millions) | 5.3984% | 1,982 |
| Cash dividends to net income (ytd only)* | 71.8626% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,812 |
| Loan loss allowance to noncurrent loans | 103.5242% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 949 |
| Noncurrent loans to loans | 1.4157% | 1,430 |
| Net loans and leases to total assets | 87.7982% | 114 |
| Net loans and leases to deposits | 105.9309% | 325 |
| Net loans and leases to core deposits | 111.2971% | 810 |
| Total domestic deposits to total assets | 82.8826% | 3,887 |
| Equity capital to assets | 12.4821% | 1,550 |
| Core capital (leverage) ratio | 12.5528% | 1,314 |
| Tier 1 risk-based capital ratio | 15.8773% | 2,599 |
| Total risk-based capital ratio | 17.1323% | 2,545 |
| Memoranda: | ||
| Average total assets | $160,017,500 | 3,431 |
| Average earning assets | $151,604,500 | 3,380 |
| Average equity | $20,107,000 | 3,156 |
| Average total loans | $143,472,500 | 2,769 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,021 |
| Cost of funding earning assets | 0.6322% | 1,145 |
| Net interest margin | 4.0909% | 1,399 |
| Noninterest income to average assets | 0.3059% | 4,553 |
| Noninterest expense to average assets | 2.1267% | 4,952 |
| Loan and lease loss provision to assets | 0.0728% | 2,899 |
| Net operating income to assets | 1.9817% | 329 |
| Return on assets (ROA) | 1.9830% | 346 |
| Pretax return on assets | 1.9830% | 522 |
| Return on Equity (ROE) | 16.5128% | 455 |
| Retained earnings to average equity (ytd only) | 5.1670% | 2,224 |
| Net charge-offs to loans | 0.0256% | 3,527 |
| Credit loss provision to net charge-offs | 318.9189% | 934 |
| Earnings coverage of net charge-offs (x) | 90.0270% | 654 |
| Efficiency ratio | 50.8630% | 5,441 |
| Assets per employee ($millions) | 5.4511% | 1,901 |
| Cash dividends to net income (ytd only)* | 68.7092% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 1,694 |
| Loan loss allowance to noncurrent loans | 99.6724% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7339% | 882 |
| Noncurrent loans to loans | 1.4982% | 1,342 |
| Net loans and leases to total assets | 88.8831% | 101 |
| Net loans and leases to deposits | 108.3238% | 266 |
| Net loans and leases to core deposits | 113.7826% | 708 |
| Total domestic deposits to total assets | 82.0531% | 4,059 |
| Equity capital to assets | 12.6509% | 1,428 |
| Core capital (leverage) ratio | 12.4348% | 1,365 |
| Tier 1 risk-based capital ratio | 15.8100% | 2,624 |
| Total risk-based capital ratio | 17.0651% | 2,548 |
| Memoranda: | ||
| Average total assets | $162,131,000 | 3,376 |
| Average earning assets | $153,584,800 | 3,329 |
| Average equity | $19,469,800 | 3,221 |
| Average total loans | $144,493,800 | 2,720 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 1,066 |
| Cost of funding earning assets | 0.6294% | 1,145 |
| Net interest margin | 4.0698% | 1,474 |
| Noninterest income to average assets | 0.2746% | 4,809 |
| Noninterest expense to average assets | 2.0922% | 5,020 |
| Loan and lease loss provision to assets | 0.0719% | 2,774 |
| Net operating income to assets | 1.9680% | 356 |
| Return on assets (ROA) | 1.9696% | 372 |
| Pretax return on assets | 1.9696% | 617 |
| Return on Equity (ROE) | 16.6167% | 480 |
| Retained earnings to average equity (ytd only) | 5.0815% | 2,769 |
| Net charge-offs to loans | 0.0368% | 2,892 |
| Credit loss provision to net charge-offs | 220.0000% | 1,339 |
| Earnings coverage of net charge-offs (x) | 62.4024% | 927 |
| Efficiency ratio | 50.6329% | 5,460 |
| Assets per employee ($millions) | 5.4325% | 1,924 |
| Cash dividends to net income (ytd only)* | 69.4191% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 2,026 |
| Loan loss allowance to noncurrent loans | 92.8698% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7561% | 952 |
| Noncurrent loans to loans | 1.5488% | 1,398 |
| Net loans and leases to total assets | 88.1669% | 126 |
| Net loans and leases to deposits | 110.8959% | 240 |
| Net loans and leases to core deposits | 116.7025% | 630 |
| Total domestic deposits to total assets | 79.5042% | 4,618 |
| Equity capital to assets | 12.1362% | 2,015 |
| Core capital (leverage) ratio | 12.1020% | 1,603 |
| Tier 1 risk-based capital ratio | 15.3458% | 2,894 |
| Total risk-based capital ratio | 16.6009% | 2,822 |
| Memoranda: | ||
| Average total assets | $163,143,000 | 3,381 |
| Average earning assets | $154,631,750 | 3,329 |
| Average equity | $19,337,500 | 3,254 |
| Average total loans | $144,957,500 | 2,707 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 1,090 |
| Cost of funding earning assets | 0.6205% | 1,193 |
| Net interest margin | 4.0601% | 1,477 |
| Noninterest income to average assets | 0.2696% | 4,853 |
| Noninterest expense to average assets | 2.0699% | 5,123 |
| Loan and lease loss provision to assets | 0.0711% | 2,714 |
| Net operating income to assets | 1.9780% | 344 |
| Return on assets (ROA) | 1.9780% | 362 |
| Pretax return on assets | 1.9780% | 594 |
| Return on Equity (ROE) | 16.8210% | 455 |
| Retained earnings to average equity (ytd only) | 5.0234% | 2,726 |
| Net charge-offs to loans | 0.0705% | 2,179 |
| Credit loss provision to net charge-offs | 113.7255% | 1,930 |
| Earnings coverage of net charge-offs (x) | 32.7843% | 1,326 |
| Efficiency ratio | 50.2529% | 5,545 |
| Assets per employee ($millions) | 5.3577% | 1,926 |
| Cash dividends to net income (ytd only)* | 70.1363% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 2,169 |
| Loan loss allowance to noncurrent loans | 80.1872% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 835 |
| Noncurrent loans to loans | 1.7814% | 1,168 |
| Net loans and leases to total assets | 88.2704% | 126 |
| Net loans and leases to deposits | 113.5470% | 183 |
| Net loans and leases to core deposits | 119.3829% | 533 |
| Total domestic deposits to total assets | 77.7391% | 5,047 |
| Equity capital to assets | 12.1290% | 2,032 |
| Core capital (leverage) ratio | 11.9950% | 1,628 |
| Tier 1 risk-based capital ratio | 15.2497% | 2,961 |
| Total risk-based capital ratio | 16.5039% | 2,895 |
| Memoranda: | ||
| Average total assets | $163,199,000 | 3,396 |
| Average earning assets | $154,726,330 | 3,340 |
| Average equity | $19,190,330 | 3,271 |
| Average total loans | $144,681,000 | 2,708 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,159 |
| Cost of funding earning assets | 0.6079% | 1,284 |
| Net interest margin | 4.0345% | 1,521 |
| Noninterest income to average assets | 0.2457% | 4,980 |
| Noninterest expense to average assets | 2.0239% | 5,283 |
| Loan and lease loss provision to assets | 0.0681% | 2,593 |
| Net operating income to assets | 1.9801% | 348 |
| Return on assets (ROA) | 1.9801% | 367 |
| Pretax return on assets | 1.9801% | 595 |
| Return on Equity (ROE) | 17.1026% | 427 |
| Retained earnings to average equity (ytd only) | 4.8535% | 3,032 |
| Net charge-offs to loans | 0.1875% | 1,041 |
| Credit loss provision to net charge-offs | 41.1765% | 2,139 |
| Earnings coverage of net charge-offs (x) | 12.3824% | 1,799 |
| Efficiency ratio | 49.7013% | 5,647 |
| Assets per employee ($millions) | 5.2671% | 2,061 |
| Cash dividends to net income (ytd only)* | 71.6216% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 2,357 |
| Loan loss allowance to noncurrent loans | 69.9269% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.1754% | 767 |
| Noncurrent loans to loans | 2.0245% | 1,047 |
| Net loans and leases to total assets | 85.6846% | 243 |
| Net loans and leases to deposits | 111.1981% | 199 |
| Net loans and leases to core deposits | 115.5991% | 609 |
| Total domestic deposits to total assets | 77.0558% | 5,281 |
| Equity capital to assets | 11.7811% | 2,176 |
| Core capital (leverage) ratio | 11.7333% | 1,806 |
| Tier 1 risk-based capital ratio | 15.1681% | 3,077 |
| Total risk-based capital ratio | 16.4223% | 3,011 |
| Memoranda: | ||
| Average total assets | $164,433,500 | 3,394 |
| Average earning assets | $155,954,500 | 3,339 |
| Average equity | $19,038,000 | 3,297 |
| Average total loans | $145,055,000 | 2,715 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 1,031 |
| Cost of funding earning assets | 0.6012% | 1,349 |
| Net interest margin | 4.1366% | 1,318 |
| Noninterest income to average assets | 0.2797% | 4,880 |
| Noninterest expense to average assets | 2.0757% | 5,299 |
| Loan and lease loss provision to assets | 0.0373% | 3,602 |
| Net operating income to assets | 2.1049% | 293 |
| Return on assets (ROA) | 2.1049% | 298 |
| Pretax return on assets | 2.1049% | 427 |
| Return on Equity (ROE) | 18.6435% | 339 |
| Retained earnings to average equity (ytd only) | 9.2695% | 594 |
| Net charge-offs to loans | 0.0605% | 3,013 |
| Credit loss provision to net charge-offs | 69.7674% | 3,129 |
| Earnings coverage of net charge-offs (x) | 40.0814% | 1,181 |
| Efficiency ratio | 49.2117% | 5,790 |
| Assets per employee ($millions) | 5.5196% | 1,784 |
| Cash dividends to net income (ytd only)* | 50.2805% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 2,506 |
| Loan loss allowance to noncurrent loans | 79.2037% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.9808% | 897 |
| Noncurrent loans to loans | 1.7457% | 1,286 |
| Net loans and leases to total assets | 88.2594% | 115 |
| Net loans and leases to deposits | 112.7590% | 186 |
| Net loans and leases to core deposits | 116.8260% | 578 |
| Total domestic deposits to total assets | 78.2726% | 5,107 |
| Equity capital to assets | 11.3776% | 2,465 |
| Core capital (leverage) ratio | 11.4427% | 2,006 |
| Tier 1 risk-based capital ratio | 14.4471% | 3,470 |
| Total risk-based capital ratio | 15.7013% | 3,378 |
| Memoranda: | ||
| Average total assets | $160,911,000 | 3,415 |
| Average earning assets | $153,195,000 | 3,353 |
| Average equity | $18,167,200 | 3,361 |
| Average total loans | $142,038,200 | 2,702 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 1,068 |
| Cost of funding earning assets | 0.5972% | 1,425 |
| Net interest margin | 4.1193% | 1,358 |
| Noninterest income to average assets | 0.2612% | 5,069 |
| Noninterest expense to average assets | 2.0307% | 5,420 |
| Loan and lease loss provision to assets | 0.0501% | 3,207 |
| Net operating income to assets | 2.1067% | 302 |
| Return on assets (ROA) | 2.1067% | 322 |
| Pretax return on assets | 2.1067% | 493 |
| Return on Equity (ROE) | 18.6969% | 356 |
| Retained earnings to average equity (ytd only) | 10.5485% | 545 |
| Net charge-offs to loans | 0.0370% | 3,164 |
| Credit loss provision to net charge-offs | 153.8462% | 1,643 |
| Earnings coverage of net charge-offs (x) | 66.2548% | 843 |
| Efficiency ratio | 48.4951% | 5,851 |
| Assets per employee ($millions) | 5.5023% | 1,784 |
| Cash dividends to net income (ytd only)* | 43.5816% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 2,469 |
| Loan loss allowance to noncurrent loans | 81.3033% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 1,080 |
| Noncurrent loans to loans | 1.7547% | 1,358 |
| Net loans and leases to total assets | 87.7336% | 152 |
| Net loans and leases to deposits | 111.8551% | 217 |
| Net loans and leases to core deposits | 115.2382% | 626 |
| Total domestic deposits to total assets | 78.4351% | 5,103 |
| Equity capital to assets | 11.2686% | 2,732 |
| Core capital (leverage) ratio | 11.5100% | 2,026 |
| Tier 1 risk-based capital ratio | 14.3455% | 3,657 |
| Total risk-based capital ratio | 15.5997% | 3,571 |
| Memoranda: | ||
| Average total assets | $159,741,750 | 3,464 |
| Average earning assets | $152,255,750 | 3,392 |
| Average equity | $17,999,000 | 3,415 |
| Average total loans | $140,498,750 | 2,738 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 1,166 |
| Cost of funding earning assets | 0.5980% | 1,429 |
| Net interest margin | 4.0536% | 1,486 |
| Noninterest income to average assets | 0.2595% | 5,097 |
| Noninterest expense to average assets | 2.0296% | 5,471 |
| Loan and lease loss provision to assets | 0.0380% | 3,360 |
| Net operating income to assets | 2.0625% | 325 |
| Return on assets (ROA) | 2.0625% | 343 |
| Pretax return on assets | 2.0625% | 529 |
| Return on Equity (ROE) | 18.3051% | 395 |
| Retained earnings to average equity (ytd only) | 12.1472% | 377 |
| Net charge-offs to loans | 0.0737% | 2,339 |
| Credit loss provision to net charge-offs | 58.8235% | 2,602 |
| Earnings coverage of net charge-offs (x) | 32.5294% | 1,292 |
| Efficiency ratio | 49.1416% | 5,896 |
| Assets per employee ($millions) | 5.2545% | 1,982 |
| Cash dividends to net income (ytd only)* | 33.6403% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 2,462 |
| Loan loss allowance to noncurrent loans | 86.3388% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 1,195 |
| Noncurrent loans to loans | 1.6913% | 1,531 |
| Net loans and leases to total assets | 87.9291% | 143 |
| Net loans and leases to deposits | 108.0049% | 305 |
| Net loans and leases to core deposits | 110.5372% | 807 |
| Total domestic deposits to total assets | 81.4121% | 4,480 |
| Equity capital to assets | 11.4841% | 2,429 |
| Core capital (leverage) ratio | 11.4380% | 2,043 |
| Tier 1 risk-based capital ratio | 14.6183% | 3,570 |
| Total risk-based capital ratio | 15.8733% | 3,490 |
| Memoranda: | ||
| Average total assets | $157,966,000 | 3,520 |
| Average earning assets | $150,828,330 | 3,441 |
| Average equity | $17,798,330 | 3,454 |
| Average total loans | $138,359,330 | 2,768 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 1,271 |
| Cost of funding earning assets | 0.5912% | 1,497 |
| Net interest margin | 3.9882% | 1,597 |
| Noninterest income to average assets | 0.2504% | 5,166 |
| Noninterest expense to average assets | 1.9933% | 5,590 |
| Loan and lease loss provision to assets | 0.0253% | 3,372 |
| Net operating income to assets | 2.0540% | 308 |
| Return on assets (ROA) | 2.0540% | 325 |
| Pretax return on assets | 2.0540% | 533 |
| Return on Equity (ROE) | 18.4064% | 358 |
| Retained earnings to average equity (ytd only) | 18.4064% | 135 |
| Net charge-offs to loans | 0.2186% | 1,072 |
| Credit loss provision to net charge-offs | 13.3333% | 2,410 |
| Earnings coverage of net charge-offs (x) | 10.9600% | 1,901 |
| Efficiency ratio | 48.9441% | 5,975 |
| Assets per employee ($millions) | 5.3967% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 2,553 |
| Loan loss allowance to noncurrent loans | 81.8404% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 2.0599% | 1,139 |
| Noncurrent loans to loans | 1.8035% | 1,505 |
| Net loans and leases to total assets | 82.8715% | 384 |
| Net loans and leases to deposits | 101.7033% | 472 |
| Net loans and leases to core deposits | 104.3061% | 1,046 |
| Total domestic deposits to total assets | 81.4836% | 4,677 |
| Equity capital to assets | 11.1909% | 2,763 |
| Core capital (leverage) ratio | 11.4570% | 2,036 |
| Tier 1 risk-based capital ratio | 15.0100% | 3,427 |
| Total risk-based capital ratio | 16.2655% | 3,359 |
| Memoranda: | ||
| Average total assets | $158,131,500 | 3,535 |
| Average earning assets | $151,548,000 | 3,440 |
| Average equity | $17,646,000 | 3,504 |
| Average total loans | $137,208,500 | 2,787 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 1,040 |
| Cost of funding earning assets | 0.5685% | 2,057 |
| Net interest margin | 4.2675% | 1,116 |
| Noninterest income to average assets | 0.2900% | 5,046 |
| Noninterest expense to average assets | 2.0722% | 5,632 |
| Loan and lease loss provision to assets | 0.0941% | 2,581 |
| Net operating income to assets | 2.2097% | 223 |
| Return on assets (ROA) | 2.2097% | 221 |
| Pretax return on assets | 2.2097% | 309 |
| Return on Equity (ROE) | 20.5233% | 222 |
| Retained earnings to average equity (ytd only) | 3.8684% | 3,467 |
| Net charge-offs to loans | 0.1447% | 2,593 |
| Credit loss provision to net charge-offs | 74.3590% | 2,977 |
| Earnings coverage of net charge-offs (x) | 18.2103% | 1,859 |
| Efficiency ratio | 47.3536% | 6,211 |
| Assets per employee ($millions) | 5.1454% | 2,128 |
| Cash dividends to net income (ytd only)* | 81.1509% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,465 |
| Loan loss allowance to noncurrent loans | 87.6267% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.1035% | 1,176 |
| Noncurrent loans to loans | 1.7130% | 1,703 |
| Net loans and leases to total assets | 88.2096% | 109 |
| Net loans and leases to deposits | 108.7772% | 276 |
| Net loans and leases to core deposits | 111.5076% | 710 |
| Total domestic deposits to total assets | 81.0920% | 4,722 |
| Equity capital to assets | 11.1257% | 2,777 |
| Core capital (leverage) ratio | 11.1909% | 2,223 |
| Tier 1 risk-based capital ratio | 14.2150% | 3,954 |
| Total risk-based capital ratio | 15.4705% | 3,881 |
| Memoranda: | ||
| Average total assets | $154,139,200 | 3,571 |
| Average earning assets | $147,580,000 | 3,482 |
| Average equity | $16,595,800 | 3,589 |
| Average total loans | $134,721,600 | 2,777 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 1,078 |
| Cost of funding earning assets | 0.5630% | 2,168 |
| Net interest margin | 4.2526% | 1,148 |
| Noninterest income to average assets | 0.2734% | 5,254 |
| Noninterest expense to average assets | 1.9989% | 5,773 |
| Loan and lease loss provision to assets | 0.0865% | 2,620 |
| Net operating income to assets | 2.2602% | 205 |
| Return on assets (ROA) | 2.2602% | 214 |
| Pretax return on assets | 2.2602% | 324 |
| Return on Equity (ROE) | 21.1691% | 227 |
| Retained earnings to average equity (ytd only) | 6.3783% | 2,175 |
| Net charge-offs to loans | 0.1833% | 1,992 |
| Credit loss provision to net charge-offs | 54.3478% | 3,037 |
| Earnings coverage of net charge-offs (x) | 14.7390% | 2,115 |
| Efficiency ratio | 45.9976% | 6,291 |
| Assets per employee ($millions) | 4.9949% | 2,246 |
| Cash dividends to net income (ytd only)* | 69.8698% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 2,871 |
| Loan loss allowance to noncurrent loans | 83.9918% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.2507% | 1,219 |
| Noncurrent loans to loans | 1.7462% | 1,856 |
| Net loans and leases to total assets | 88.5535% | 93 |
| Net loans and leases to deposits | 106.9530% | 294 |
| Net loans and leases to core deposits | 109.8086% | 752 |
| Total domestic deposits to total assets | 82.7967% | 4,208 |
| Equity capital to assets | 11.0216% | 2,937 |
| Core capital (leverage) ratio | 11.2570% | 2,255 |
| Tier 1 risk-based capital ratio | 14.1064% | 4,137 |
| Total risk-based capital ratio | 15.3614% | 4,072 |
| Memoranda: | ||
| Average total assets | $154,083,250 | 3,606 |
| Average earning assets | $147,547,000 | 3,512 |
| Average equity | $16,451,250 | 3,624 |
| Average total loans | $133,842,500 | 2,806 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,100 |
| Cost of funding earning assets | 0.5564% | 2,298 |
| Net interest margin | 4.2271% | 1,187 |
| Noninterest income to average assets | 0.2990% | 5,016 |
| Noninterest expense to average assets | 1.9593% | 5,895 |
| Loan and lease loss provision to assets | 0.0780% | 2,724 |
| Net operating income to assets | 2.3116% | 189 |
| Return on assets (ROA) | 2.3116% | 195 |
| Pretax return on assets | 2.3116% | 297 |
| Return on Equity (ROE) | 21.8880% | 202 |
| Retained earnings to average equity (ytd only) | 8.9497% | 1,002 |
| Net charge-offs to loans | 0.2832% | 1,406 |
| Credit loss provision to net charge-offs | 32.0856% | 3,029 |
| Earnings coverage of net charge-offs (x) | 9.8289% | 2,312 |
| Efficiency ratio | 45.0523% | 6,388 |
| Assets per employee ($millions) | 4.9617% | 2,263 |
| Cash dividends to net income (ytd only)* | 59.1114% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,001 |
| Loan loss allowance to noncurrent loans | 83.8439% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.3021% | 1,297 |
| Noncurrent loans to loans | 1.7618% | 1,959 |
| Net loans and leases to total assets | 86.6384% | 146 |
| Net loans and leases to deposits | 100.9201% | 509 |
| Net loans and leases to core deposits | 103.7341% | 1,040 |
| Total domestic deposits to total assets | 85.8485% | 3,125 |
| Equity capital to assets | 10.9892% | 2,887 |
| Core capital (leverage) ratio | 11.4414% | 2,059 |
| Tier 1 risk-based capital ratio | 14.6516% | 3,837 |
| Total risk-based capital ratio | 15.9073% | 3,785 |
| Memoranda: | ||
| Average total assets | $153,830,330 | 3,623 |
| Average earning assets | $147,381,670 | 3,529 |
| Average equity | $16,246,330 | 3,653 |
| Average total loans | $132,070,330 | 2,834 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 1,400 |
| Cost of funding earning assets | 0.5590% | 2,355 |
| Net interest margin | 4.0810% | 1,520 |
| Noninterest income to average assets | 0.3302% | 4,733 |
| Noninterest expense to average assets | 1.9475% | 5,985 |
| Loan and lease loss provision to assets | 0.0520% | 3,060 |
| Net operating income to assets | 2.2413% | 219 |
| Return on assets (ROA) | 2.2413% | 229 |
| Pretax return on assets | 2.2413% | 335 |
| Return on Equity (ROE) | 21.6610% | 213 |
| Retained earnings to average equity (ytd only) | 9.8756% | 997 |
| Net charge-offs to loans | 0.0858% | 2,295 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,016 |
| Efficiency ratio | 45.9227% | 6,431 |
| Assets per employee ($millions) | 4.9285% | 2,340 |
| Cash dividends to net income (ytd only)* | 54.4084% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 2,590 |
| Loan loss allowance to noncurrent loans | 58.6264% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 3.1031% | 899 |
| Noncurrent loans to loans | 2.7754% | 1,209 |
| Net loans and leases to total assets | 83.7719% | 244 |
| Net loans and leases to deposits | 95.0680% | 712 |
| Net loans and leases to core deposits | 97.4791% | 1,279 |
| Total domestic deposits to total assets | 88.1179% | 2,162 |
| Equity capital to assets | 10.6346% | 3,100 |
| Core capital (leverage) ratio | 11.1884% | 2,236 |
| Tier 1 risk-based capital ratio | 14.8651% | 3,779 |
| Total risk-based capital ratio | 16.1222% | 3,733 |
| Memoranda: | ||
| Average total assets | $153,838,500 | 3,649 |
| Average earning assets | $147,413,500 | 3,555 |
| Average equity | $15,918,000 | 3,715 |
| Average total loans | $130,475,500 | 2,870 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 2,063 |
| Cost of funding earning assets | 0.6574% | 2,149 |
| Net interest margin | 3.8816% | 2,363 |
| Noninterest income to average assets | 0.2072% | 5,843 |
| Noninterest expense to average assets | 2.0475% | 5,927 |
| Loan and lease loss provision to assets | 0.1021% | 3,098 |
| Net operating income to assets | 1.1897% | 1,614 |
| Return on assets (ROA) | 1.1901% | 1,680 |
| Pretax return on assets | 1.7728% | 803 |
| Return on Equity (ROE) | 12.3316% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.0118% | 1,427 |
| Net charge-offs to loans | 0.4646% | 1,431 |
| Credit loss provision to net charge-offs | 27.9188% | 4,292 |
| Earnings coverage of net charge-offs (x) | 5.1269% | 3,373 |
| Efficiency ratio | 52.2082% | 6,277 |
| Assets per employee ($millions) | 5.1631% | 1,995 |
| Cash dividends to net income (ytd only)* | 43.1393% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 2,668 |
| Loan loss allowance to noncurrent loans | 68.0218% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.8207% | 1,149 |
| Noncurrent loans to loans | 2.3876% | 1,602 |
| Net loans and leases to total assets | 83.1019% | 319 |
| Net loans and leases to deposits | 93.5281% | 911 |
| Net loans and leases to core deposits | 95.5513% | 1,483 |
| Total domestic deposits to total assets | 88.8523% | 1,723 |
| Equity capital to assets | 10.0637% | 3,679 |
| Core capital (leverage) ratio | 10.5927% | 2,787 |
| Tier 1 risk-based capital ratio | 14.1178% | 4,215 |
| Total risk-based capital ratio | 15.3746% | 4,159 |
| Memoranda: | ||
| Average total assets | $161,663,000 | 3,534 |
| Average earning assets | $154,705,200 | 3,422 |
| Average equity | $15,602,200 | 3,762 |
| Average total loans | $127,194,400 | 2,900 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 2,459 |
| Cost of funding earning assets | 0.6761% | 2,130 |
| Net interest margin | 3.7634% | 2,789 |
| Noninterest income to average assets | 0.2334% | 5,765 |
| Noninterest expense to average assets | 2.0168% | 5,981 |
| Loan and lease loss provision to assets | 0.0530% | 3,972 |
| Net operating income to assets | 0.9977% | 2,385 |
| Return on assets (ROA) | 0.9982% | 2,471 |
| Pretax return on assets | 1.7671% | 966 |
| Return on Equity (ROE) | 10.4489% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.4489% | 699 |
| Net charge-offs to loans | 0.4434% | 1,447 |
| Credit loss provision to net charge-offs | 15.4762% | 4,142 |
| Earnings coverage of net charge-offs (x) | 5.3071% | 3,225 |
| Efficiency ratio | 52.5745% | 6,219 |
| Assets per employee ($millions) | 5.0372% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,776 |
| Loan loss allowance to noncurrent loans | 67.6942% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.9068% | 1,278 |
| Noncurrent loans to loans | 2.4468% | 1,783 |
| Net loans and leases to total assets | 83.4982% | 275 |
| Net loans and leases to deposits | 94.5168% | 793 |
| Net loans and leases to core deposits | 96.7477% | 1,336 |
| Total domestic deposits to total assets | 88.3422% | 1,920 |
| Equity capital to assets | 10.1996% | 3,647 |
| Core capital (leverage) ratio | 10.5049% | 2,999 |
| Tier 1 risk-based capital ratio | 14.0646% | 4,378 |
| Total risk-based capital ratio | 15.3222% | 4,324 |
| Memoranda: | ||
| Average total assets | $163,355,500 | 3,545 |
| Average earning assets | $156,381,500 | 3,432 |
| Average equity | $15,605,750 | 3,811 |
| Average total loans | $126,282,000 | 2,939 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,973 |
| Cost of funding earning assets | 0.6988% | 2,069 |
| Net interest margin | 3.5972% | 3,369 |
| Noninterest income to average assets | 0.2244% | 5,837 |
| Noninterest expense to average assets | 1.9499% | 6,132 |
| Loan and lease loss provision to assets | 0.0784% | 3,492 |
| Net operating income to assets | 0.5012% | 4,789 |
| Return on assets (ROA) | 0.5019% | 4,958 |
| Pretax return on assets | 1.6385% | 1,255 |
| Return on Equity (ROE) | 5.3682% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.3682% | 2,831 |
| Net charge-offs to loans | 0.6539% | 1,000 |
| Credit loss provision to net charge-offs | 16.0099% | 3,812 |
| Earnings coverage of net charge-offs (x) | 3.5025% | 3,376 |
| Efficiency ratio | 53.1929% | 6,206 |
| Assets per employee ($millions) | 5.1046% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,685 |
| Loan loss allowance to noncurrent loans | 66.3066% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.8332% | 1,450 |
| Noncurrent loans to loans | 2.6037% | 1,765 |
| Net loans and leases to total assets | 77.0150% | 867 |
| Net loans and leases to deposits | 86.5927% | 1,501 |
| Net loans and leases to core deposits | 88.6447% | 2,044 |
| Total domestic deposits to total assets | 88.9394% | 1,664 |
| Equity capital to assets | 9.4909% | 4,593 |
| Core capital (leverage) ratio | 9.6544% | 4,006 |
| Tier 1 risk-based capital ratio | 13.8936% | 4,496 |
| Total risk-based capital ratio | 15.1516% | 4,460 |
| Memoranda: | ||
| Average total assets | $165,756,330 | 3,531 |
| Average earning assets | $158,566,670 | 3,421 |
| Average equity | $15,498,670 | 3,857 |
| Average total loans | $124,182,330 | 2,986 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,201 |
| Cost of funding earning assets | 0.7409% | 1,917 |
| Net interest margin | 3.4833% | 3,773 |
| Noninterest income to average assets | 0.2683% | 5,534 |
| Noninterest expense to average assets | 2.0053% | 6,094 |
| Loan and lease loss provision to assets | 0.1078% | 2,898 |
| Net operating income to assets | -0.7778% | 6,760 |
| Return on assets (ROA) | -0.7762% | 6,774 |
| Pretax return on assets | 1.4806% | 1,614 |
| Return on Equity (ROE) | -8.3632% | 6,770 |
| Retained earnings to average equity (ytd only) | -8.3632% | 6,545 |
| Net charge-offs to loans | 1.3217% | 429 |
| Credit loss provision to net charge-offs | 11.1386% | 3,134 |
| Earnings coverage of net charge-offs (x) | 1.6386% | 3,284 |
| Efficiency ratio | 55.8372% | 6,075 |
| Assets per employee ($millions) | 5.6199% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,614 |
| Loan loss allowance to noncurrent loans | 51.4554% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 3.3251% | 1,315 |
| Noncurrent loans to loans | 3.5015% | 1,369 |
| Net loans and leases to total assets | 70.8615% | 1,538 |
| Net loans and leases to deposits | 79.3906% | 2,164 |
| Net loans and leases to core deposits | 81.6226% | 2,624 |
| Total domestic deposits to total assets | 89.2567% | 1,522 |
| Equity capital to assets | 9.0944% | 5,372 |
| Core capital (leverage) ratio | 9.0610% | 4,786 |
| Tier 1 risk-based capital ratio | 14.0310% | 4,483 |
| Total risk-based capital ratio | 15.2905% | 4,439 |
| Memoranda: | ||
| Average total assets | $166,961,500 | 3,550 |
| Average earning assets | $159,276,000 | 3,446 |
| Average equity | $15,496,500 | 3,907 |
| Average total loans | $122,268,000 | 3,041 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 1,777 |
| Cost of funding earning assets | 1.1498% | 734 |
| Net interest margin | 3.7677% | 3,366 |
| Noninterest income to average assets | 0.3315% | 5,082 |
| Noninterest expense to average assets | 1.9131% | 6,478 |
| Loan and lease loss provision to assets | 0.3139% | 2,181 |
| Net operating income to assets | 1.0756% | 2,036 |
| Return on assets (ROA) | 1.0756% | 2,219 |
| Pretax return on assets | 1.6884% | 1,165 |
| Return on Equity (ROE) | 11.1848% | 1,747 |
| Retained earnings to average equity (ytd only) | 4.6554% | 2,939 |
| Net charge-offs to loans | 0.1671% | 4,043 |
| Credit loss provision to net charge-offs | 236.9668% | 1,047 |
| Earnings coverage of net charge-offs (x) | 15.1137% | 1,677 |
| Efficiency ratio | 48.8614% | 6,660 |
| Assets per employee ($millions) | 5.3331% | 1,859 |
| Cash dividends to net income (ytd only)* | 58.3771% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 1,827 |
| Loan loss allowance to noncurrent loans | 58.9827% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.7187% | 1,197 |
| Noncurrent loans to loans | 3.5199% | 1,412 |
| Net loans and leases to total assets | 72.7791% | 1,376 |
| Net loans and leases to deposits | 81.9013% | 2,009 |
| Net loans and leases to core deposits | 84.3430% | 2,507 |
| Total domestic deposits to total assets | 88.8619% | 1,665 |
| Equity capital to assets | 9.4723% | 4,908 |
| Core capital (leverage) ratio | 9.5239% | 4,072 |
| Tier 1 risk-based capital ratio | 13.9440% | 4,412 |
| Total risk-based capital ratio | 15.2072% | 4,378 |
| Memoranda: | ||
| Average total assets | $159,266,200 | 3,632 |
| Average earning assets | $151,499,800 | 3,518 |
| Average equity | $15,315,400 | 3,891 |
| Average total loans | $126,305,000 | 2,946 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,613 |
| Cost of funding earning assets | 1.1866% | 734 |
| Net interest margin | 3.8410% | 3,154 |
| Noninterest income to average assets | 0.3220% | 5,206 |
| Noninterest expense to average assets | 1.8822% | 6,551 |
| Loan and lease loss provision to assets | 0.3803% | 1,700 |
| Net operating income to assets | 1.0920% | 2,121 |
| Return on assets (ROA) | 1.0920% | 2,318 |
| Pretax return on assets | 1.7174% | 1,220 |
| Return on Equity (ROE) | 11.3113% | 1,849 |
| Retained earnings to average equity (ytd only) | 4.7451% | 3,563 |
| Net charge-offs to loans | 0.0052% | 5,678 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 496.1394% | 91 |
| Efficiency ratio | 47.2924% | 6,759 |
| Assets per employee ($millions) | 5.1800% | 1,957 |
| Cash dividends to net income (ytd only)* | 58.0499% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 1,933 |
| Loan loss allowance to noncurrent loans | 118.8323% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 2,880 |
| Noncurrent loans to loans | 1.7580% | 3,143 |
| Net loans and leases to total assets | 79.0091% | 606 |
| Net loans and leases to deposits | 92.5485% | 912 |
| Net loans and leases to core deposits | 94.8930% | 1,499 |
| Total domestic deposits to total assets | 85.3704% | 3,579 |
| Equity capital to assets | 9.6488% | 4,996 |
| Core capital (leverage) ratio | 9.7193% | 3,925 |
| Tier 1 risk-based capital ratio | 13.3477% | 4,989 |
| Total risk-based capital ratio | 14.6111% | 4,942 |
| Memoranda: | ||
| Average total assets | $157,751,500 | 3,690 |
| Average earning assets | $150,234,000 | 3,579 |
| Average equity | $15,229,250 | 3,946 |
| Average total loans | $127,163,000 | 2,968 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 1,692 |
| Cost of funding earning assets | 1.2014% | 813 |
| Net interest margin | 3.8376% | 3,191 |
| Noninterest income to average assets | 0.3074% | 5,353 |
| Noninterest expense to average assets | 1.8558% | 6,676 |
| Loan and lease loss provision to assets | 0.3826% | 1,707 |
| Net operating income to assets | 1.0943% | 2,062 |
| Return on assets (ROA) | 1.0943% | 2,289 |
| Pretax return on assets | 1.7193% | 1,212 |
| Return on Equity (ROE) | 11.3335% | 1,867 |
| Retained earnings to average equity (ytd only) | 4.7289% | 3,460 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8901% | 6,836 |
| Assets per employee ($millions) | 5.1396% | 1,983 |
| Cash dividends to net income (ytd only)* | 58.2751% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 2,241 |
| Loan loss allowance to noncurrent loans | 110.1462% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9036% | 2,901 |
| Noncurrent loans to loans | 1.8133% | 3,195 |
| Net loans and leases to total assets | 78.9026% | 625 |
| Net loans and leases to deposits | 92.4069% | 904 |
| Net loans and leases to core deposits | 94.2978% | 1,570 |
| Total domestic deposits to total assets | 85.3861% | 3,672 |
| Equity capital to assets | 9.6361% | 4,857 |
| Core capital (leverage) ratio | 9.6121% | 3,980 |
| Tier 1 risk-based capital ratio | 13.2734% | 4,982 |
| Total risk-based capital ratio | 14.5354% | 4,942 |
| Memoranda: | ||
| Average total assets | $156,809,000 | 3,725 |
| Average earning assets | $149,154,000 | 3,620 |
| Average equity | $15,141,000 | 3,961 |
| Average total loans | $126,357,670 | 3,001 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 1,592 |
| Cost of funding earning assets | 1.2355% | 825 |
| Net interest margin | 3.8581% | 3,104 |
| Noninterest income to average assets | 0.3189% | 5,322 |
| Noninterest expense to average assets | 1.8438% | 6,748 |
| Loan and lease loss provision to assets | 0.3857% | 1,632 |
| Net operating income to assets | 1.1135% | 2,017 |
| Return on assets (ROA) | 1.1135% | 2,201 |
| Pretax return on assets | 1.7512% | 1,194 |
| Return on Equity (ROE) | 11.5198% | 1,832 |
| Retained earnings to average equity (ytd only) | 4.8686% | 3,631 |
| Net charge-offs to loans | 0.0064% | 4,655 |
| Credit loss provision to net charge-offs | 7,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 415.5000% | 65 |
| Efficiency ratio | 46.3178% | 6,883 |
| Assets per employee ($millions) | 5.0971% | 2,128 |
| Cash dividends to net income (ytd only)* | 57.7367% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,563 |
| Loan loss allowance to noncurrent loans | 150.4370% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 3,672 |
| Noncurrent loans to loans | 1.2883% | 4,186 |
| Net loans and leases to total assets | 77.1731% | 680 |
| Net loans and leases to deposits | 90.1871% | 948 |
| Net loans and leases to core deposits | 92.6139% | 1,582 |
| Total domestic deposits to total assets | 85.5700% | 3,757 |
| Equity capital to assets | 9.5588% | 4,713 |
| Core capital (leverage) ratio | 9.7080% | 3,759 |
| Tier 1 risk-based capital ratio | 13.5188% | 4,813 |
| Total risk-based capital ratio | 14.7804% | 4,794 |
| Memoranda: | ||
| Average total assets | $155,549,500 | 3,768 |
| Average earning assets | $147,637,000 | 3,666 |
| Average equity | $15,035,000 | 3,984 |
| Average total loans | $125,398,500 | 3,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 1,163 |
| Cost of funding earning assets | 1.4307% | 916 |
| Net interest margin | 4.0749% | 2,546 |
| Noninterest income to average assets | 0.2793% | 5,532 |
| Noninterest expense to average assets | 1.9556% | 6,753 |
| Loan and lease loss provision to assets | 0.3943% | 2,627 |
| Net operating income to assets | 1.1414% | 1,691 |
| Return on assets (ROA) | 1.1414% | 1,809 |
| Pretax return on assets | 1.7887% | 818 |
| Return on Equity (ROE) | 11.8966% | 1,430 |
| Retained earnings to average equity (ytd only) | 4.9107% | 2,709 |
| Net charge-offs to loans | 0.4147% | 3,350 |
| Credit loss provision to net charge-offs | 113.4216% | 2,897 |
| Earnings coverage of net charge-offs (x) | 6.2798% | 2,554 |
| Efficiency ratio | 47.2531% | 6,979 |
| Assets per employee ($millions) | 5.1029% | 2,063 |
| Cash dividends to net income (ytd only)* | 58.7219% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 2,906 |
| Loan loss allowance to noncurrent loans | 138.0952% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 3,663 |
| Noncurrent loans to loans | 1.2954% | 4,208 |
| Net loans and leases to total assets | 81.1187% | 399 |
| Net loans and leases to deposits | 95.2119% | 730 |
| Net loans and leases to core deposits | 98.1412% | 1,318 |
| Total domestic deposits to total assets | 85.1981% | 3,742 |
| Equity capital to assets | 9.7761% | 4,477 |
| Core capital (leverage) ratio | 9.5143% | 4,002 |
| Tier 1 risk-based capital ratio | 13.0992% | 4,995 |
| Total risk-based capital ratio | 14.3589% | 4,959 |
| Memoranda: | ||
| Average total assets | $152,178,400 | 3,759 |
| Average earning assets | $144,128,000 | 3,671 |
| Average equity | $14,600,800 | 3,988 |
| Average total loans | $127,577,200 | 3,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5323% | 1,180 |
| Cost of funding earning assets | 1.4433% | 1,048 |
| Net interest margin | 4.0890% | 2,518 |
| Noninterest income to average assets | 0.2624% | 5,745 |
| Noninterest expense to average assets | 1.9506% | 6,782 |
| Loan and lease loss provision to assets | 0.3949% | 2,491 |
| Net operating income to assets | 1.1653% | 1,763 |
| Return on assets (ROA) | 1.1653% | 1,877 |
| Pretax return on assets | 1.7900% | 974 |
| Return on Equity (ROE) | 12.2032% | 1,488 |
| Retained earnings to average equity (ytd only) | 5.1275% | 3,093 |
| Net charge-offs to loans | 0.4693% | 2,857 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 5.5333% | 2,759 |
| Efficiency ratio | 47.1674% | 7,007 |
| Assets per employee ($millions) | 5.4607% | 1,642 |
| Cash dividends to net income (ytd only)* | 57.9819% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 3,393 |
| Loan loss allowance to noncurrent loans | 148.9463% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 3,919 |
| Noncurrent loans to loans | 1.1181% | 4,680 |
| Net loans and leases to total assets | 84.6115% | 182 |
| Net loans and leases to deposits | 104.1593% | 315 |
| Net loans and leases to core deposits | 106.7092% | 829 |
| Total domestic deposits to total assets | 81.2328% | 5,359 |
| Equity capital to assets | 9.6874% | 4,796 |
| Core capital (leverage) ratio | 9.6583% | 3,904 |
| Tier 1 risk-based capital ratio | 12.5143% | 5,472 |
| Total risk-based capital ratio | 13.7716% | 5,461 |
| Memoranda: | ||
| Average total assets | $151,951,000 | 3,794 |
| Average earning assets | $143,927,000 | 3,698 |
| Average equity | $14,509,500 | 4,030 |
| Average total loans | $127,860,250 | 3,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4847% | 1,334 |
| Cost of funding earning assets | 1.4705% | 1,115 |
| Net interest margin | 4.0142% | 2,769 |
| Noninterest income to average assets | 0.2466% | 5,882 |
| Noninterest expense to average assets | 1.9428% | 6,886 |
| Loan and lease loss provision to assets | 0.3957% | 2,438 |
| Net operating income to assets | 1.1264% | 1,799 |
| Return on assets (ROA) | 1.1264% | 1,877 |
| Pretax return on assets | 1.7067% | 1,045 |
| Return on Equity (ROE) | 11.8540% | 1,537 |
| Retained earnings to average equity (ytd only) | 4.6361% | 3,231 |
| Net charge-offs to loans | 0.0806% | 4,838 |
| Credit loss provision to net charge-offs | 588.2353% | 529 |
| Earnings coverage of net charge-offs (x) | 31.2549% | 891 |
| Efficiency ratio | 48.0274% | 7,061 |
| Assets per employee ($millions) | 4.9346% | 2,220 |
| Cash dividends to net income (ytd only)* | 60.8899% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8765% | 2,744 |
| Loan loss allowance to noncurrent loans | 119.6665% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.7095% | 3,631 |
| Noncurrent loans to loans | 1.5681% | 4,060 |
| Net loans and leases to total assets | 83.4068% | 277 |
| Net loans and leases to deposits | 102.4778% | 366 |
| Net loans and leases to core deposits | 104.9882% | 983 |
| Total domestic deposits to total assets | 81.3901% | 5,391 |
| Equity capital to assets | 9.5200% | 4,790 |
| Core capital (leverage) ratio | 9.6147% | 3,786 |
| Tier 1 risk-based capital ratio | 12.5714% | 5,272 |
| Total risk-based capital ratio | 13.8323% | 5,238 |
| Memoranda: | ||
| Average total assets | $151,634,670 | 3,822 |
| Average earning assets | $143,491,000 | 3,733 |
| Average equity | $14,408,670 | 4,039 |
| Average total loans | $126,626,330 | 3,095 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 1,459 |
| Cost of funding earning assets | 1.5309% | 1,053 |
| Net interest margin | 3.9054% | 3,109 |
| Noninterest income to average assets | 0.2464% | 5,929 |
| Noninterest expense to average assets | 2.0005% | 6,828 |
| Loan and lease loss provision to assets | 0.3974% | 2,206 |
| Net operating income to assets | 1.0333% | 2,055 |
| Return on assets (ROA) | 1.0333% | 2,107 |
| Pretax return on assets | 1.5527% | 1,290 |
| Return on Equity (ROE) | 10.8851% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.3269% | 1,038 |
| Net charge-offs to loans | 0.1569% | 3,546 |
| Credit loss provision to net charge-offs | 306.1224% | 1,050 |
| Earnings coverage of net charge-offs (x) | 15.0204% | 1,338 |
| Efficiency ratio | 50.6372% | 6,944 |
| Assets per employee ($millions) | 4.7895% | 2,439 |
| Cash dividends to net income (ytd only)* | 5.1282% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 2,889 |
| Loan loss allowance to noncurrent loans | 126.4203% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5959% | 3,856 |
| Noncurrent loans to loans | 1.4551% | 4,286 |
| Net loans and leases to total assets | 79.7996% | 528 |
| Net loans and leases to deposits | 98.1274% | 565 |
| Net loans and leases to core deposits | 100.4748% | 1,301 |
| Total domestic deposits to total assets | 81.3224% | 5,562 |
| Equity capital to assets | 9.4836% | 4,458 |
| Core capital (leverage) ratio | 9.6218% | 3,632 |
| Tier 1 risk-based capital ratio | 12.8785% | 4,922 |
| Total risk-based capital ratio | 14.1386% | 4,895 |
| Memoranda: | ||
| Average total assets | $150,966,000 | 3,863 |
| Average earning assets | $143,185,000 | 3,768 |
| Average equity | $14,331,500 | 4,040 |
| Average total loans | $124,925,000 | 3,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 1,606 |
| Cost of funding earning assets | 1.8023% | 1,165 |
| Net interest margin | 3.8874% | 3,552 |
| Noninterest income to average assets | 0.3120% | 5,564 |
| Noninterest expense to average assets | 2.0051% | 7,013 |
| Loan and lease loss provision to assets | 0.4052% | 3,686 |
| Net operating income to assets | 1.0576% | 1,846 |
| Return on assets (ROA) | 1.0576% | 1,942 |
| Pretax return on assets | 1.5871% | 1,154 |
| Return on Equity (ROE) | 10.9569% | 1,605 |
| Retained earnings to average equity (ytd only) | 3.8902% | 3,146 |
| Net charge-offs to loans | -0.0270% | 7,392 |
| Credit loss provision to net charge-offs | -1,818.1818% | 7,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1605% | 7,114 |
| Assets per employee ($millions) | 4.6459% | 2,628 |
| Cash dividends to net income (ytd only)* | 64.4955% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 3,032 |
| Loan loss allowance to noncurrent loans | 113.4645% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6971% | 3,755 |
| Noncurrent loans to loans | 1.5417% | 4,184 |
| Net loans and leases to total assets | 82.7771% | 399 |
| Net loans and leases to deposits | 101.9383% | 490 |
| Net loans and leases to core deposits | 104.4385% | 1,286 |
| Total domestic deposits to total assets | 81.2031% | 5,453 |
| Equity capital to assets | 9.5031% | 4,402 |
| Core capital (leverage) ratio | 9.3165% | 3,983 |
| Tier 1 risk-based capital ratio | 12.5841% | 4,949 |
| Total risk-based capital ratio | 13.8431% | 4,930 |
| Memoranda: | ||
| Average total assets | $148,069,600 | 3,907 |
| Average earning assets | $140,377,400 | 3,806 |
| Average equity | $14,292,400 | 4,075 |
| Average total loans | $122,418,200 | 3,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 1,710 |
| Cost of funding earning assets | 1.8344% | 1,285 |
| Net interest margin | 3.8674% | 3,669 |
| Noninterest income to average assets | 0.3011% | 5,737 |
| Noninterest expense to average assets | 1.9893% | 7,069 |
| Loan and lease loss provision to assets | 0.4056% | 3,468 |
| Net operating income to assets | 1.0483% | 2,074 |
| Return on assets (ROA) | 1.0483% | 2,180 |
| Pretax return on assets | 1.5738% | 1,411 |
| Return on Equity (ROE) | 10.8182% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.7252% | 645 |
| Net charge-offs to loans | -0.0482% | 7,466 |
| Credit loss provision to net charge-offs | -1,022.7273% | 7,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1249% | 7,138 |
| Assets per employee ($millions) | 4.9775% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.8597% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 3,319 |
| Loan loss allowance to noncurrent loans | 97.8541% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 3,709 |
| Noncurrent loans to loans | 1.6904% | 4,102 |
| Net loans and leases to total assets | 81.7049% | 531 |
| Net loans and leases to deposits | 102.9543% | 482 |
| Net loans and leases to core deposits | 105.9853% | 1,322 |
| Total domestic deposits to total assets | 79.3603% | 5,911 |
| Equity capital to assets | 9.9850% | 4,172 |
| Core capital (leverage) ratio | 9.8528% | 3,426 |
| Tier 1 risk-based capital ratio | 13.1067% | 4,497 |
| Total risk-based capital ratio | 14.3639% | 4,463 |
| Memoranda: | ||
| Average total assets | $147,920,000 | 3,960 |
| Average earning assets | $140,281,000 | 3,864 |
| Average equity | $14,333,500 | 4,126 |
| Average total loans | $121,709,250 | 3,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 1,923 |
| Cost of funding earning assets | 1.8472% | 1,442 |
| Net interest margin | 3.8086% | 3,859 |
| Noninterest income to average assets | 0.2713% | 5,980 |
| Noninterest expense to average assets | 1.9220% | 7,227 |
| Loan and lease loss provision to assets | 0.4069% | 3,279 |
| Net operating income to assets | 1.0322% | 2,074 |
| Return on assets (ROA) | 1.0322% | 2,153 |
| Pretax return on assets | 1.5585% | 1,406 |
| Return on Equity (ROE) | 10.7628% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.7628% | 697 |
| Net charge-offs to loans | -0.0827% | 7,527 |
| Credit loss provision to net charge-offs | -600.0000% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4417% | 7,262 |
| Assets per employee ($millions) | 4.6649% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,581 |
| Loan loss allowance to noncurrent loans | 101.6516% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.6077% | 4,030 |
| Noncurrent loans to loans | 1.5454% | 4,392 |
| Net loans and leases to total assets | 80.0841% | 784 |
| Net loans and leases to deposits | 100.9031% | 655 |
| Net loans and leases to core deposits | 103.8645% | 1,658 |
| Total domestic deposits to total assets | 79.3674% | 5,925 |
| Equity capital to assets | 9.7228% | 4,377 |
| Core capital (leverage) ratio | 9.6878% | 3,557 |
| Tier 1 risk-based capital ratio | 13.1393% | 4,329 |
| Total risk-based capital ratio | 14.3956% | 4,282 |
| Memoranda: | ||
| Average total assets | $147,452,000 | 4,007 |
| Average earning assets | $139,999,330 | 3,905 |
| Average equity | $14,141,330 | 4,170 |
| Average total loans | $120,926,670 | 3,390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 1,689 |
| Cost of funding earning assets | 1.8649% | 1,588 |
| Net interest margin | 3.8592% | 3,516 |
| Noninterest income to average assets | 0.2375% | 6,256 |
| Noninterest expense to average assets | 1.8671% | 7,386 |
| Loan and lease loss provision to assets | 0.4094% | 2,914 |
| Net operating income to assets | 1.0673% | 1,940 |
| Return on assets (ROA) | 1.0673% | 2,014 |
| Pretax return on assets | 1.6269% | 1,202 |
| Return on Equity (ROE) | 11.2075% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.2075% | 878 |
| Net charge-offs to loans | -0.0133% | 6,962 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8322% | 7,450 |
| Assets per employee ($millions) | 4.8356% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 4,293 |
| Loan loss allowance to noncurrent loans | 80.7166% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 4,182 |
| Noncurrent loans to loans | 1.7660% | 4,101 |
| Net loans and leases to total assets | 81.6100% | 634 |
| Net loans and leases to deposits | 103.4905% | 559 |
| Net loans and leases to core deposits | 105.4277% | 1,624 |
| Total domestic deposits to total assets | 78.8575% | 6,109 |
| Equity capital to assets | 9.7554% | 4,167 |
| Core capital (leverage) ratio | 9.5324% | 3,717 |
| Tier 1 risk-based capital ratio | 12.8544% | 4,432 |
| Total risk-based capital ratio | 14.1088% | 4,405 |
| Memoranda: | ||
| Average total assets | $146,539,000 | 4,078 |
| Average earning assets | $139,201,000 | 3,982 |
| Average equity | $13,955,000 | 4,255 |
| Average total loans | $120,662,000 | 3,453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0235% | 1,775 |
| Cost of funding earning assets | 2.2339% | 1,884 |
| Net interest margin | 3.7896% | 3,753 |
| Noninterest income to average assets | 0.3232% | 5,773 |
| Noninterest expense to average assets | 2.1028% | 7,181 |
| Loan and lease loss provision to assets | 0.2283% | 5,544 |
| Net operating income to assets | 1.0686% | 1,602 |
| Return on assets (ROA) | 1.0686% | 1,645 |
| Pretax return on assets | 1.5604% | 1,052 |
| Return on Equity (ROE) | 11.0067% | 1,421 |
| Retained earnings to average equity (ytd only) | -0.1375% | 4,974 |
| Net charge-offs to loans | 0.0442% | 6,664 |
| Credit loss provision to net charge-offs | 625.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 48.9615% | 527 |
| Efficiency ratio | 54.0350% | 7,226 |
| Assets per employee ($millions) | 4.9337% | 2,299 |
| Cash dividends to net income (ytd only)* | 101.2492% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 4,843 |
| Loan loss allowance to noncurrent loans | 83.0490% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 4,384 |
| Noncurrent loans to loans | 1.5476% | 4,332 |
| Net loans and leases to total assets | 80.8486% | 859 |
| Net loans and leases to deposits | 100.3051% | 875 |
| Net loans and leases to core deposits | 135.6919% | 967 |
| Total domestic deposits to total assets | 80.6027% | 5,473 |
| Equity capital to assets | 9.2953% | 4,705 |
| Core capital (leverage) ratio | 9.1776% | 4,155 |
| Tier 1 risk-based capital ratio | 12.3740% | 4,619 |
| Total risk-based capital ratio | 13.6263% | 4,583 |
| Memoranda: | ||
| Average total assets | $142,334,000 | 4,072 |
| Average earning assets | $134,024,600 | 4,011 |
| Average equity | $13,818,800 | 4,310 |
| Average total loans | $117,732,200 | 3,529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0543% | 1,820 |
| Cost of funding earning assets | 2.3156% | 1,926 |
| Net interest margin | 3.7388% | 3,915 |
| Noninterest income to average assets | 0.3359% | 5,799 |
| Noninterest expense to average assets | 2.1081% | 7,174 |
| Loan and lease loss provision to assets | 0.2365% | 5,077 |
| Net operating income to assets | 0.9869% | 2,104 |
| Return on assets (ROA) | 0.9869% | 2,168 |
| Pretax return on assets | 1.5035% | 1,406 |
| Return on Equity (ROE) | 10.0523% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.8478% | 2,582 |
| Net charge-offs to loans | 0.0354% | 6,404 |
| Credit loss provision to net charge-offs | 806.4516% | 473 |
| Earnings coverage of net charge-offs (x) | 59.3259% | 553 |
| Efficiency ratio | 54.7824% | 7,146 |
| Assets per employee ($millions) | 4.7512% | 2,471 |
| Cash dividends to net income (ytd only)* | 51.7737% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,031 |
| Loan loss allowance to noncurrent loans | 78.0083% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 4,345 |
| Noncurrent loans to loans | 1.5571% | 4,305 |
| Net loans and leases to total assets | 83.0448% | 663 |
| Net loans and leases to deposits | 103.6357% | 799 |
| Net loans and leases to core deposits | 139.7151% | 930 |
| Total domestic deposits to total assets | 80.1314% | 5,388 |
| Equity capital to assets | 9.7034% | 4,489 |
| Core capital (leverage) ratio | 9.6051% | 3,785 |
| Tier 1 risk-based capital ratio | 12.6308% | 4,454 |
| Total risk-based capital ratio | 13.8823% | 4,398 |
| Memoranda: | ||
| Average total assets | $140,915,000 | 4,120 |
| Average earning assets | $132,375,750 | 4,062 |
| Average equity | $13,834,000 | 4,328 |
| Average total loans | $116,859,750 | 3,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0291% | 2,059 |
| Cost of funding earning assets | 2.3845% | 2,030 |
| Net interest margin | 3.6446% | 4,196 |
| Noninterest income to average assets | 0.3848% | 5,423 |
| Noninterest expense to average assets | 2.1356% | 7,201 |
| Loan and lease loss provision to assets | 0.2522% | 4,557 |
| Net operating income to assets | 0.9280% | 2,350 |
| Return on assets (ROA) | 0.9280% | 2,442 |
| Pretax return on assets | 1.4064% | 1,707 |
| Return on Equity (ROE) | 9.4143% | 2,219 |
| Retained earnings to average equity (ytd only) | 1.5203% | 4,478 |
| Net charge-offs to loans | 0.0314% | 6,021 |
| Credit loss provision to net charge-offs | 972.2222% | 507 |
| Earnings coverage of net charge-offs (x) | 63.9444% | 565 |
| Efficiency ratio | 56.2856% | 7,086 |
| Assets per employee ($millions) | 4.6221% | 2,570 |
| Cash dividends to net income (ytd only)* | 83.8509% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,764 |
| Loan loss allowance to noncurrent loans | 106.8148% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0252% | 4,925 |
| Noncurrent loans to loans | 1.1491% | 4,918 |
| Net loans and leases to total assets | 80.9846% | 1,144 |
| Net loans and leases to deposits | 102.0043% | 1,070 |
| Net loans and leases to core deposits | 137.3296% | 1,140 |
| Total domestic deposits to total assets | 79.3934% | 5,687 |
| Equity capital to assets | 9.6438% | 4,437 |
| Core capital (leverage) ratio | 9.6135% | 3,747 |
| Tier 1 risk-based capital ratio | 12.9351% | 4,196 |
| Total risk-based capital ratio | 14.1862% | 4,104 |
| Memoranda: | ||
| Average total assets | $138,790,670 | 4,196 |
| Average earning assets | $129,836,330 | 4,138 |
| Average equity | $13,681,330 | 4,374 |
| Average total loans | $114,540,000 | 3,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0801% | 2,019 |
| Cost of funding earning assets | 2.4642% | 2,050 |
| Net interest margin | 3.6159% | 4,251 |
| Noninterest income to average assets | 0.4218% | 5,029 |
| Noninterest expense to average assets | 2.0799% | 7,163 |
| Loan and lease loss provision to assets | 0.2929% | 3,608 |
| Net operating income to assets | 0.9345% | 2,571 |
| Return on assets (ROA) | 0.9345% | 2,700 |
| Pretax return on assets | 1.4061% | 1,949 |
| Return on Equity (ROE) | 9.3734% | 2,584 |
| Retained earnings to average equity (ytd only) | -6.4938% | 6,741 |
| Net charge-offs to loans | -0.1203% | 7,928 |
| Credit loss provision to net charge-offs | -294.1176% | 6,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0388% | 7,099 |
| Assets per employee ($millions) | 4.6381% | 2,520 |
| Cash dividends to net income (ytd only)* | 169.2790% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 4,320 |
| Loan loss allowance to noncurrent loans | 65.1515% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.5797% | 3,559 |
| Noncurrent loans to loans | 1.9399% | 3,353 |
| Net loans and leases to total assets | 79.6684% | 1,447 |
| Net loans and leases to deposits | 100.4040% | 1,355 |
| Net loans and leases to core deposits | 133.1664% | 1,468 |
| Total domestic deposits to total assets | 79.3479% | 5,591 |
| Equity capital to assets | 9.7252% | 4,347 |
| Core capital (leverage) ratio | 9.8744% | 3,552 |
| Tier 1 risk-based capital ratio | 13.2600% | 4,017 |
| Total risk-based capital ratio | 14.5121% | 3,937 |
| Memoranda: | ||
| Average total assets | $136,544,000 | 4,267 |
| Average earning assets | $126,773,500 | 4,225 |
| Average equity | $13,613,000 | 4,422 |
| Average total loans | $113,070,000 | 3,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7478% | 1,872 |
| Cost of funding earning assets | 2.9327% | 2,135 |
| Net interest margin | 3.8151% | 3,956 |
| Noninterest income to average assets | 0.3336% | 6,066 |
| Noninterest expense to average assets | 2.0684% | 7,303 |
| Loan and lease loss provision to assets | 0.1012% | 6,089 |
| Net operating income to assets | 1.1262% | 2,047 |
| Return on assets (ROA) | 1.1336% | 1,932 |
| Pretax return on assets | 1.7506% | 1,049 |
| Return on Equity (ROE) | 10.7489% | 1,981 |
| Retained earnings to average equity (ytd only) | -1.3152% | 5,686 |
| Net charge-offs to loans | 0.1334% | 4,888 |
| Credit loss provision to net charge-offs | 90.6040% | 5,669 |
| Earnings coverage of net charge-offs (x) | 16.4765% | 1,843 |
| Efficiency ratio | 52.9152% | 7,394 |
| Assets per employee ($millions) | 4.4648% | 2,670 |
| Cash dividends to net income (ytd only)* | 112.2354% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,074 |
| Loan loss allowance to noncurrent loans | 250.9766% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 6,038 |
| Noncurrent loans to loans | 0.4496% | 6,003 |
| Net loans and leases to total assets | 84.0517% | 880 |
| Net loans and leases to deposits | 107.0323% | 1,042 |
| Net loans and leases to core deposits | 138.1709% | 1,363 |
| Total domestic deposits to total assets | 78.5292% | 5,535 |
| Equity capital to assets | 10.2236% | 3,776 |
| Core capital (leverage) ratio | 10.4069% | 3,065 |
| Tier 1 risk-based capital ratio | 13.3222% | 3,917 |
| Total risk-based capital ratio | 14.5725% | 3,819 |
| Memoranda: | ||
| Average total assets | $133,386,200 | 4,214 |
| Average earning assets | $125,003,400 | 4,155 |
| Average equity | $14,066,600 | 4,328 |
| Average total loans | $111,705,200 | 3,643 |