Home > Pony Express Bank > Performance and Condition Ratios
Pony Express 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 | 5.8007% | 835 |
| Cost of funding earning assets | 1.3123% | 2,480 |
| Net interest margin | 4.4884% | 627 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.1064% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.5229% | 232 |
| Return on assets (ROA) | 2.5229% | 227 |
| Pretax return on assets | 2.5229% | 331 |
| Return on Equity (ROE) | 31.5100% | 161 |
| Retained earnings to average equity (ytd only) | 12.7661% | 535 |
| Net charge-offs to loans | 0.0054% | 2,511 |
| Credit loss provision to net charge-offs | 66.6667% | 2,111 |
| Earnings coverage of net charge-offs (x) | 594.6667% | 245 |
| Efficiency ratio | 45.4734% | 4,212 |
| Assets per employee ($millions) | 11.2887% | 497 |
| Cash dividends to net income (ytd only)* | 59.4837% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,050 |
| Loan loss allowance to noncurrent loans | 660.4089% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 2,587 |
| Noncurrent loans to loans | 0.1884% | 2,571 |
| Net loans and leases to total assets | 73.4700% | 1,421 |
| Net loans and leases to deposits | 91.9131% | 1,101 |
| Net loans and leases to core deposits | 116.9136% | 721 |
| Total domestic deposits to total assets | 79.9400% | 3,471 |
| Equity capital to assets | 8.0387% | 3,389 |
| Core capital (leverage) ratio | 9.4052% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8432% | 2,290 |
| Memoranda: | ||
| Average total assets | $353,167,200 | 2,183 |
| Average earning assets | $344,064,600 | 2,114 |
| Average equity | $28,278,000 | 2,349 |
| Average total loans | $276,599,200 | 1,889 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 752 |
| Cost of funding earning assets | 1.2147% | 2,384 |
| Net interest margin | 4.5189% | 598 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.1089% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5574% | 254 |
| Return on assets (ROA) | 2.5574% | 249 |
| Pretax return on assets | 2.5574% | 358 |
| Return on Equity (ROE) | 31.9700% | 191 |
| Retained earnings to average equity (ytd only) | 13.1574% | 791 |
| Net charge-offs to loans | 0.0034% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 946.7143% | 169 |
| Efficiency ratio | 45.1952% | 4,180 |
| Assets per employee ($millions) | 10.1061% | 640 |
| Cash dividends to net income (ytd only)* | 58.8502% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,049 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,634 |
| Noncurrent loans to loans | 0.0238% | 3,597 |
| Net loans and leases to total assets | 80.9300% | 548 |
| Net loans and leases to deposits | 97.0531% | 678 |
| Net loans and leases to core deposits | 125.2741% | 429 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 8.1174% | 2,971 |
| Core capital (leverage) ratio | 9.1925% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6440% | 2,408 |
| Memoranda: | ||
| Average total assets | $345,504,750 | 2,218 |
| Average earning assets | $336,415,750 | 2,149 |
| Average equity | $27,634,000 | 2,371 |
| Average total loans | $274,359,500 | 1,900 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 854 |
| Cost of funding earning assets | 1.0022% | 2,598 |
| Net interest margin | 4.4795% | 627 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.0593% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.5759% | 227 |
| Return on assets (ROA) | 2.5759% | 224 |
| Pretax return on assets | 2.5759% | 324 |
| Return on Equity (ROE) | 32.3700% | 177 |
| Retained earnings to average equity (ytd only) | 12.7632% | 841 |
| Net charge-offs to loans | 0.0044% | 2,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 743.0000% | 202 |
| Efficiency ratio | 44.4278% | 4,235 |
| Assets per employee ($millions) | 11.6664% | 413 |
| Cash dividends to net income (ytd only)* | 60.5653% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,150 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.8200% | 650 |
| Net loans and leases to deposits | 94.9955% | 788 |
| Net loans and leases to core deposits | 127.6592% | 362 |
| Total domestic deposits to total assets | 84.0300% | 2,807 |
| Equity capital to assets | 8.1450% | 3,125 |
| Core capital (leverage) ratio | 8.9673% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1553% | 2,586 |
| Memoranda: | ||
| Average total assets | $346,137,667 | 2,217 |
| Average earning assets | $337,267,667 | 2,151 |
| Average equity | $27,548,000 | 2,387 |
| Average total loans | $271,932,000 | 1,903 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1792% | 977 |
| Cost of funding earning assets | 0.8654% | 2,488 |
| Net interest margin | 4.3138% | 783 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.1278% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3590% | 293 |
| Return on assets (ROA) | 2.3590% | 292 |
| Pretax return on assets | 2.3590% | 437 |
| Return on Equity (ROE) | 30.0000% | 237 |
| Retained earnings to average equity (ytd only) | 7.8320% | 2,267 |
| Net charge-offs to loans | 0.0030% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,015.0000% | 101 |
| Efficiency ratio | 47.4229% | 4,125 |
| Assets per employee ($millions) | 11.0103% | 507 |
| Cash dividends to net income (ytd only)* | 73.8916% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 1,958 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.0500% | 764 |
| Net loans and leases to deposits | 88.4158% | 1,174 |
| Net loans and leases to core deposits | 120.0866% | 432 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 8.0681% | 3,196 |
| Core capital (leverage) ratio | 8.8091% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9715% | 2,735 |
| Memoranda: | ||
| Average total assets | $344,210,500 | 2,257 |
| Average earning assets | $335,572,000 | 2,183 |
| Average equity | $27,068,500 | 2,433 |
| Average total loans | $266,433,500 | 1,941 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 897 |
| Cost of funding earning assets | 0.3994% | 2,111 |
| Net interest margin | 3.9915% | 797 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.9896% | 3,606 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.9487% | 328 |
| Return on assets (ROA) | 1.8551% | 370 |
| Pretax return on assets | 1.8551% | 643 |
| Return on Equity (ROE) | 23.1100% | 277 |
| Retained earnings to average equity (ytd only) | 5.4878% | 2,831 |
| Net charge-offs to loans | 0.0053% | 2,242 |
| Credit loss provision to net charge-offs | 6,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 558.0769% | 310 |
| Efficiency ratio | 47.6778% | 4,262 |
| Assets per employee ($millions) | 11.9690% | 392 |
| Cash dividends to net income (ytd only)* | 76.2492% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,670 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 74.7200% | 1,151 |
| Net loans and leases to deposits | 81.0892% | 1,689 |
| Net loans and leases to core deposits | 107.9638% | 675 |
| Total domestic deposits to total assets | 92.1400% | 605 |
| Equity capital to assets | 7.6632% | 3,280 |
| Core capital (leverage) ratio | 8.6543% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8889% | 2,761 |
| Memoranda: | ||
| Average total assets | $332,274,000 | 2,291 |
| Average earning assets | $324,262,600 | 2,219 |
| Average equity | $26,677,200 | 2,497 |
| Average total loans | $246,878,200 | 1,961 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 836 |
| Cost of funding earning assets | 0.3160% | 2,003 |
| Net interest margin | 3.9147% | 777 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.0164% | 3,436 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.8533% | 383 |
| Return on assets (ROA) | 1.8212% | 402 |
| Pretax return on assets | 1.8212% | 700 |
| Return on Equity (ROE) | 22.4100% | 277 |
| Retained earnings to average equity (ytd only) | 5.1840% | 3,033 |
| Net charge-offs to loans | 0.0071% | 1,884 |
| Credit loss provision to net charge-offs | 4,461.5385% | 127 |
| Earnings coverage of net charge-offs (x) | 395.9231% | 388 |
| Efficiency ratio | 49.1202% | 4,213 |
| Assets per employee ($millions) | 11.0884% | 485 |
| Cash dividends to net income (ytd only)* | 76.8717% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 1,966 |
| Loan loss allowance to noncurrent loans | 5,996.4286% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,788 |
| Noncurrent loans to loans | 0.0219% | 3,749 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 81.8203% | 1,455 |
| Net loans and leases to core deposits | 111.5619% | 424 |
| Total domestic deposits to total assets | 92.6100% | 683 |
| Equity capital to assets | 7.1574% | 3,429 |
| Core capital (leverage) ratio | 8.4231% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7147% | 2,887 |
| Memoranda: | ||
| Average total assets | $328,567,250 | 2,321 |
| Average earning assets | $320,626,000 | 2,251 |
| Average equity | $26,696,750 | 2,533 |
| Average total loans | $242,872,750 | 1,982 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 798 |
| Cost of funding earning assets | 0.2612% | 2,131 |
| Net interest margin | 3.8221% | 715 |
| Noninterest income to average assets | 0.2793% | 3,496 |
| Noninterest expense to average assets | 1.9932% | 3,444 |
| Loan and lease loss provision to assets | 0.1711% | 527 |
| Net operating income to assets | 1.8453% | 306 |
| Return on assets (ROA) | 1.7983% | 332 |
| Pretax return on assets | 1.7983% | 602 |
| Return on Equity (ROE) | 21.2731% | 227 |
| Retained earnings to average equity (ytd only) | 5.3653% | 2,567 |
| Net charge-offs to loans | 0.0109% | 1,576 |
| Credit loss provision to net charge-offs | 2,153.8462% | 232 |
| Earnings coverage of net charge-offs (x) | 253.7692% | 465 |
| Efficiency ratio | 49.7104% | 4,263 |
| Assets per employee ($millions) | 10.8785% | 519 |
| Cash dividends to net income (ytd only)* | 74.7791% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 73.6032% | 951 |
| Net loans and leases to deposits | 79.9183% | 1,396 |
| Net loans and leases to core deposits | 108.4330% | 383 |
| Total domestic deposits to total assets | 92.0981% | 797 |
| Equity capital to assets | 7.7240% | 3,329 |
| Core capital (leverage) ratio | 8.4380% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6490% | 2,897 |
| Memoranda: | ||
| Average total assets | $327,206,000 | 2,342 |
| Average earning assets | $319,351,333 | 2,275 |
| Average equity | $27,659,333 | 2,539 |
| Average total loans | $238,693,000 | 2,003 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 673 |
| Cost of funding earning assets | 0.2124% | 2,635 |
| Net interest margin | 3.8548% | 559 |
| Noninterest income to average assets | 0.2843% | 3,427 |
| Noninterest expense to average assets | 2.0547% | 3,284 |
| Loan and lease loss provision to assets | 0.0745% | 1,110 |
| Net operating income to assets | 1.9181% | 258 |
| Return on assets (ROA) | 1.9479% | 246 |
| Pretax return on assets | 1.9479% | 405 |
| Return on Equity (ROE) | 22.0481% | 153 |
| Retained earnings to average equity (ytd only) | 5.1853% | 2,519 |
| Net charge-offs to loans | -0.0120% | 3,659 |
| Credit loss provision to net charge-offs | -857.1429% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7669% | 4,276 |
| Assets per employee ($millions) | 10.6782% | 564 |
| Cash dividends to net income (ytd only)* | 76.4818% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,795 |
| Loan loss allowance to noncurrent loans | 20,414.2857% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,047 |
| Noncurrent loans to loans | 0.0059% | 3,990 |
| Net loans and leases to total assets | 72.7014% | 772 |
| Net loans and leases to deposits | 79.5062% | 1,182 |
| Net loans and leases to core deposits | 98.2986% | 568 |
| Total domestic deposits to total assets | 91.4411% | 835 |
| Equity capital to assets | 8.4658% | 3,191 |
| Core capital (leverage) ratio | 8.7008% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7080% | 2,341 |
| Memoranda: | ||
| Average total assets | $322,192,000 | 2,385 |
| Average earning assets | $314,515,500 | 2,316 |
| Average equity | $28,465,000 | 2,573 |
| Average total loans | $232,403,000 | 2,031 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 794 |
| Cost of funding earning assets | 0.2292% | 3,144 |
| Net interest margin | 4.1133% | 580 |
| Noninterest income to average assets | 0.3129% | 3,531 |
| Noninterest expense to average assets | 2.1817% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1365% | 272 |
| Return on assets (ROA) | 2.1325% | 289 |
| Pretax return on assets | 2.1325% | 467 |
| Return on Equity (ROE) | 23.9407% | 145 |
| Retained earnings to average equity (ytd only) | 10.3449% | 836 |
| Net charge-offs to loans | -0.0449% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5235% | 4,242 |
| Assets per employee ($millions) | 10.8013% | 538 |
| Cash dividends to net income (ytd only)* | 56.7895% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.8255% | 1,062 |
| Net loans and leases to deposits | 76.9781% | 1,491 |
| Net loans and leases to core deposits | 93.0529% | 824 |
| Total domestic deposits to total assets | 90.7082% | 621 |
| Equity capital to assets | 9.1995% | 3,423 |
| Core capital (leverage) ratio | 9.1091% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2790% | 2,135 |
| Memoranda: | ||
| Average total assets | $278,680,800 | 2,550 |
| Average earning assets | $271,363,600 | 2,477 |
| Average equity | $24,823,800 | 2,864 |
| Average total loans | $204,982,600 | 2,207 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 684 |
| Cost of funding earning assets | 0.2364% | 3,254 |
| Net interest margin | 4.2591% | 493 |
| Noninterest income to average assets | 0.3192% | 3,518 |
| Noninterest expense to average assets | 2.2438% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2178% | 313 |
| Return on assets (ROA) | 2.2123% | 335 |
| Pretax return on assets | 2.2123% | 531 |
| Return on Equity (ROE) | 25.0857% | 174 |
| Retained earnings to average equity (ytd only) | 13.0688% | 625 |
| Net charge-offs to loans | -0.0657% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2906% | 4,196 |
| Assets per employee ($millions) | 9.7279% | 704 |
| Cash dividends to net income (ytd only)* | 47.9035% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 73.1875% | 757 |
| Net loans and leases to deposits | 80.2041% | 1,273 |
| Net loans and leases to core deposits | 99.6426% | 602 |
| Total domestic deposits to total assets | 91.2517% | 296 |
| Equity capital to assets | 8.5445% | 4,182 |
| Core capital (leverage) ratio | 7.6419% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3612% | 2,888 |
| Memoranda: | ||
| Average total assets | $267,341,500 | 2,641 |
| Average earning assets | $260,020,000 | 2,569 |
| Average equity | $23,577,250 | 2,973 |
| Average total loans | $198,965,250 | 2,279 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 1,034 |
| Cost of funding earning assets | 0.2366% | 3,415 |
| Net interest margin | 4.0468% | 757 |
| Noninterest income to average assets | 0.3280% | 3,464 |
| Noninterest expense to average assets | 2.2548% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0064% | 483 |
| Return on assets (ROA) | 2.0249% | 491 |
| Pretax return on assets | 2.0249% | 799 |
| Return on Equity (ROE) | 22.6947% | 281 |
| Retained earnings to average equity (ytd only) | 7.5591% | 2,229 |
| Net charge-offs to loans | -0.0601% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9156% | 3,939 |
| Assets per employee ($millions) | 9.1304% | 825 |
| Cash dividends to net income (ytd only)* | 66.6921% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.5993% | 706 |
| Net loans and leases to deposits | 81.5105% | 1,272 |
| Net loans and leases to core deposits | 102.0828% | 589 |
| Total domestic deposits to total assets | 91.5211% | 226 |
| Equity capital to assets | 8.3136% | 4,345 |
| Core capital (leverage) ratio | 7.3422% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0122% | 2,956 |
| Memoranda: | ||
| Average total assets | $259,176,000 | 2,693 |
| Average earning assets | $251,904,333 | 2,619 |
| Average equity | $23,124,333 | 3,000 |
| Average total loans | $193,158,333 | 2,324 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 895 |
| Cost of funding earning assets | 0.2201% | 3,724 |
| Net interest margin | 4.1951% | 602 |
| Noninterest income to average assets | 0.3381% | 3,412 |
| Noninterest expense to average assets | 2.2779% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1307% | 463 |
| Return on assets (ROA) | 2.1663% | 478 |
| Pretax return on assets | 2.1663% | 727 |
| Return on Equity (ROE) | 23.3672% | 320 |
| Retained earnings to average equity (ytd only) | 8.0974% | 2,204 |
| Net charge-offs to loans | -0.0328% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6697% | 4,028 |
| Assets per employee ($millions) | 9.7191% | 648 |
| Cash dividends to net income (ytd only)* | 65.3473% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.7180% | 1,066 |
| Net loans and leases to deposits | 78.4356% | 1,679 |
| Net loans and leases to core deposits | 98.6345% | 773 |
| Total domestic deposits to total assets | 91.4355% | 256 |
| Equity capital to assets | 8.4734% | 4,137 |
| Core capital (leverage) ratio | 8.2647% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5084% | 3,012 |
| Memoranda: | ||
| Average total assets | $247,242,500 | 2,745 |
| Average earning assets | $239,896,500 | 2,675 |
| Average equity | $22,921,000 | 3,003 |
| Average total loans | $182,785,000 | 2,423 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 893 |
| Cost of funding earning assets | 0.2756% | 4,272 |
| Net interest margin | 4.4238% | 381 |
| Noninterest income to average assets | 0.4217% | 3,009 |
| Noninterest expense to average assets | 2.4172% | 3,093 |
| Loan and lease loss provision to assets | 0.5975% | 338 |
| Net operating income to assets | 1.6754% | 530 |
| Return on assets (ROA) | 1.6754% | 569 |
| Pretax return on assets | 1.6754% | 895 |
| Return on Equity (ROE) | 14.7655% | 674 |
| Retained earnings to average equity (ytd only) | 0.7240% | 4,312 |
| Net charge-offs to loans | -0.0051% | 4,134 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5393% | 4,416 |
| Assets per employee ($millions) | 8.5520% | 880 |
| Cash dividends to net income (ytd only)* | 95.0966% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 74.2016% | 999 |
| Net loans and leases to deposits | 82.7435% | 1,577 |
| Net loans and leases to core deposits | 92.2679% | 1,368 |
| Total domestic deposits to total assets | 89.6767% | 686 |
| Equity capital to assets | 10.2464% | 2,885 |
| Core capital (leverage) ratio | 8.8630% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0692% | 2,602 |
| Memoranda: | ||
| Average total assets | $200,852,000 | 2,938 |
| Average earning assets | $193,790,800 | 2,876 |
| Average equity | $22,789,600 | 2,952 |
| Average total loans | $158,227,400 | 2,577 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,174 |
| Cost of funding earning assets | 0.2963% | 4,330 |
| Net interest margin | 4.3589% | 512 |
| Noninterest income to average assets | 0.4297% | 2,940 |
| Noninterest expense to average assets | 2.3436% | 3,304 |
| Loan and lease loss provision to assets | 0.6277% | 387 |
| Net operating income to assets | 1.6622% | 630 |
| Return on assets (ROA) | 1.6622% | 702 |
| Pretax return on assets | 1.6622% | 1,043 |
| Return on Equity (ROE) | 14.2566% | 829 |
| Retained earnings to average equity (ytd only) | 0.2165% | 4,441 |
| Net charge-offs to loans | 0.0171% | 2,527 |
| Credit loss provision to net charge-offs | 4,600.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 167.8500% | 557 |
| Efficiency ratio | 50.5815% | 4,452 |
| Assets per employee ($millions) | 8.8292% | 739 |
| Cash dividends to net income (ytd only)* | 98.4817% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,087 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.4800% | 1,165 |
| Net loans and leases to deposits | 84.3178% | 1,880 |
| Net loans and leases to core deposits | 95.7368% | 1,478 |
| Total domestic deposits to total assets | 89.5184% | 581 |
| Equity capital to assets | 10.3049% | 2,959 |
| Core capital (leverage) ratio | 9.0641% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1074% | 2,571 |
| Memoranda: | ||
| Average total assets | $195,477,250 | 2,961 |
| Average earning assets | $188,513,500 | 2,904 |
| Average equity | $22,791,250 | 2,951 |
| Average total loans | $155,862,500 | 2,612 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 1,048 |
| Cost of funding earning assets | 0.3440% | 4,297 |
| Net interest margin | 4.5100% | 489 |
| Noninterest income to average assets | 0.4298% | 2,911 |
| Noninterest expense to average assets | 2.2902% | 3,545 |
| Loan and lease loss provision to assets | 0.6629% | 435 |
| Net operating income to assets | 1.8219% | 480 |
| Return on assets (ROA) | 1.8219% | 530 |
| Pretax return on assets | 1.8219% | 779 |
| Return on Equity (ROE) | 14.9432% | 717 |
| Retained earnings to average equity (ytd only) | 0.9120% | 4,119 |
| Net charge-offs to loans | 0.0238% | 2,239 |
| Credit loss provision to net charge-offs | 3,444.4444% | 320 |
| Earnings coverage of net charge-offs (x) | 129.1111% | 590 |
| Efficiency ratio | 47.9624% | 4,634 |
| Assets per employee ($millions) | 7.9474% | 990 |
| Cash dividends to net income (ytd only)* | 93.8967% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 82.7502% | 345 |
| Net loans and leases to deposits | 93.5946% | 999 |
| Net loans and leases to core deposits | 101.2732% | 1,167 |
| Total domestic deposits to total assets | 88.4134% | 984 |
| Equity capital to assets | 11.5197% | 1,958 |
| Core capital (leverage) ratio | 9.6699% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,059,667 | 3,024 |
| Average earning assets | $180,220,667 | 2,957 |
| Average equity | $22,806,333 | 2,942 |
| Average total loans | $151,484,000 | 2,644 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 865 |
| Cost of funding earning assets | 0.4175% | 4,299 |
| Net interest margin | 4.6409% | 383 |
| Noninterest income to average assets | 0.4723% | 2,696 |
| Noninterest expense to average assets | 2.3504% | 3,648 |
| Loan and lease loss provision to assets | 0.7062% | 372 |
| Net operating income to assets | 1.8803% | 346 |
| Return on assets (ROA) | 1.8803% | 383 |
| Pretax return on assets | 1.8803% | 589 |
| Return on Equity (ROE) | 14.9700% | 548 |
| Retained earnings to average equity (ytd only) | 4.4278% | 2,524 |
| Net charge-offs to loans | 0.0028% | 2,497 |
| Credit loss provision to net charge-offs | 32,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,172.0000% | 44 |
| Efficiency ratio | 47.6084% | 4,776 |
| Assets per employee ($millions) | 7.4495% | 912 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.5209% | 1,211 |
| Net loans and leases to deposits | 87.3079% | 1,830 |
| Net loans and leases to core deposits | 93.7110% | 2,002 |
| Total domestic deposits to total assets | 87.6448% | 1,254 |
| Equity capital to assets | 12.3170% | 1,852 |
| Core capital (leverage) ratio | 11.2055% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,246,500 | 3,037 |
| Average earning assets | $174,363,000 | 2,973 |
| Average equity | $22,765,500 | 2,943 |
| Average total loans | $143,973,000 | 2,693 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 773 |
| Cost of funding earning assets | 0.4205% | 4,375 |
| Net interest margin | 4.9125% | 322 |
| Noninterest income to average assets | 0.4582% | 2,961 |
| Noninterest expense to average assets | 2.7285% | 2,807 |
| Loan and lease loss provision to assets | 0.0682% | 2,647 |
| Net operating income to assets | 2.3835% | 158 |
| Return on assets (ROA) | 2.3687% | 173 |
| Pretax return on assets | 2.3687% | 262 |
| Return on Equity (ROE) | 18.9461% | 273 |
| Retained earnings to average equity (ytd only) | 4.3967% | 2,767 |
| Net charge-offs to loans | -0.0105% | 4,480 |
| Credit loss provision to net charge-offs | -800.0000% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6720% | 4,553 |
| Assets per employee ($millions) | 6.7790% | 1,137 |
| Cash dividends to net income (ytd only)* | 76.7939% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,284 |
| Loan loss allowance to noncurrent loans | 184.7584% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,575 |
| Noncurrent loans to loans | 0.5619% | 2,492 |
| Net loans and leases to total assets | 80.6411% | 710 |
| Net loans and leases to deposits | 92.7465% | 1,286 |
| Net loans and leases to core deposits | 101.5192% | 1,441 |
| Total domestic deposits to total assets | 86.9479% | 1,640 |
| Equity capital to assets | 12.8178% | 1,631 |
| Core capital (leverage) ratio | 11.1963% | 2,340 |
| Tier 1 risk-based capital ratio | 14.1670% | 3,180 |
| Total risk-based capital ratio | 15.2754% | 3,171 |
| Memoranda: | ||
| Average total assets | $175,920,000 | 3,057 |
| Average earning assets | $169,097,800 | 3,004 |
| Average equity | $21,994,000 | 2,957 |
| Average total loans | $143,096,200 | 2,688 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 803 |
| Cost of funding earning assets | 0.4245% | 4,423 |
| Net interest margin | 4.9103% | 336 |
| Noninterest income to average assets | 0.4534% | 3,003 |
| Noninterest expense to average assets | 2.6812% | 2,918 |
| Loan and lease loss provision to assets | 0.0682% | 2,515 |
| Net operating income to assets | 2.4234% | 185 |
| Return on assets (ROA) | 2.4037% | 198 |
| Pretax return on assets | 2.4037% | 303 |
| Return on Equity (ROE) | 19.3484% | 293 |
| Retained earnings to average equity (ytd only) | 4.6998% | 3,058 |
| Net charge-offs to loans | -0.0233% | 4,622 |
| Credit loss provision to net charge-offs | -360.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8323% | 4,607 |
| Assets per employee ($millions) | 6.8869% | 1,073 |
| Cash dividends to net income (ytd only)* | 75.7098% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 3,467 |
| Loan loss allowance to noncurrent loans | 183.1880% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 2,729 |
| Noncurrent loans to loans | 0.5559% | 2,631 |
| Net loans and leases to total assets | 79.8552% | 864 |
| Net loans and leases to deposits | 91.5117% | 1,499 |
| Net loans and leases to core deposits | 102.8565% | 1,427 |
| Total domestic deposits to total assets | 87.2623% | 1,400 |
| Equity capital to assets | 12.5199% | 1,903 |
| Core capital (leverage) ratio | 10.8266% | 2,810 |
| Tier 1 risk-based capital ratio | 14.0614% | 3,295 |
| Total risk-based capital ratio | 15.1581% | 3,286 |
| Memoranda: | ||
| Average total assets | $175,836,250 | 3,094 |
| Average earning assets | $168,999,750 | 3,028 |
| Average equity | $21,844,500 | 2,996 |
| Average total loans | $142,964,000 | 2,711 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 824 |
| Cost of funding earning assets | 0.4322% | 4,388 |
| Net interest margin | 4.8618% | 364 |
| Noninterest income to average assets | 0.4452% | 2,982 |
| Noninterest expense to average assets | 2.7020% | 2,900 |
| Loan and lease loss provision to assets | 0.0687% | 2,446 |
| Net operating income to assets | 2.3472% | 194 |
| Return on assets (ROA) | 2.3174% | 217 |
| Pretax return on assets | 2.3174% | 345 |
| Return on Equity (ROE) | 18.7038% | 340 |
| Retained earnings to average equity (ytd only) | 3.9255% | 3,285 |
| Net charge-offs to loans | -0.0590% | 4,871 |
| Credit loss provision to net charge-offs | -142.8571% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7952% | 4,581 |
| Assets per employee ($millions) | 6.4280% | 1,277 |
| Cash dividends to net income (ytd only)* | 79.0123% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,553 |
| Loan loss allowance to noncurrent loans | 138.9895% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,212 |
| Noncurrent loans to loans | 0.7281% | 2,169 |
| Net loans and leases to total assets | 82.1671% | 584 |
| Net loans and leases to deposits | 94.2532% | 1,231 |
| Net loans and leases to core deposits | 103.8502% | 1,396 |
| Total domestic deposits to total assets | 87.1770% | 1,508 |
| Equity capital to assets | 12.6737% | 1,759 |
| Core capital (leverage) ratio | 10.6238% | 2,959 |
| Tier 1 risk-based capital ratio | 13.9314% | 3,355 |
| Total risk-based capital ratio | 15.0285% | 3,326 |
| Memoranda: | ||
| Average total assets | $174,762,000 | 3,114 |
| Average earning assets | $167,963,330 | 3,052 |
| Average equity | $21,653,330 | 3,005 |
| Average total loans | $142,465,670 | 2,739 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 859 |
| Cost of funding earning assets | 0.4153% | 4,422 |
| Net interest margin | 4.8129% | 395 |
| Noninterest income to average assets | 0.4220% | 3,036 |
| Noninterest expense to average assets | 2.7052% | 2,895 |
| Loan and lease loss provision to assets | 0.0684% | 2,294 |
| Net operating income to assets | 2.2741% | 232 |
| Return on assets (ROA) | 2.2604% | 252 |
| Pretax return on assets | 2.2604% | 390 |
| Return on Equity (ROE) | 18.4527% | 364 |
| Retained earnings to average equity (ytd only) | 3.5565% | 3,489 |
| Net charge-offs to loans | -0.0904% | 5,001 |
| Credit loss provision to net charge-offs | -93.7500% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5924% | 4,572 |
| Assets per employee ($millions) | 6.9029% | 1,042 |
| Cash dividends to net income (ytd only)* | 80.7265% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.6288% | 1,053 |
| Net loans and leases to deposits | 89.5124% | 1,688 |
| Net loans and leases to core deposits | 105.1346% | 1,232 |
| Total domestic deposits to total assets | 87.8412% | 1,426 |
| Equity capital to assets | 12.0652% | 1,985 |
| Core capital (leverage) ratio | 10.7598% | 2,794 |
| Tier 1 risk-based capital ratio | 13.9942% | 3,337 |
| Total risk-based capital ratio | 15.0797% | 3,350 |
| Memoranda: | ||
| Average total assets | $175,365,000 | 3,136 |
| Average earning assets | $168,547,000 | 3,070 |
| Average equity | $21,482,000 | 3,030 |
| Average total loans | $141,666,500 | 2,778 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 986 |
| Cost of funding earning assets | 0.2502% | 4,808 |
| Net interest margin | 4.7792% | 414 |
| Noninterest income to average assets | 0.4451% | 3,133 |
| Noninterest expense to average assets | 2.6183% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3721% | 182 |
| Return on assets (ROA) | 2.3721% | 179 |
| Pretax return on assets | 2.3721% | 256 |
| Return on Equity (ROE) | 19.3173% | 296 |
| Retained earnings to average equity (ytd only) | 5.5812% | 2,430 |
| Net charge-offs to loans | -0.0178% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4668% | 4,760 |
| Assets per employee ($millions) | 6.3428% | 1,296 |
| Cash dividends to net income (ytd only)* | 71.1078% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.4224% | 745 |
| Net loans and leases to deposits | 93.2098% | 1,374 |
| Net loans and leases to core deposits | 103.7330% | 1,435 |
| Total domestic deposits to total assets | 87.3539% | 1,611 |
| Equity capital to assets | 12.4434% | 1,613 |
| Core capital (leverage) ratio | 10.9076% | 2,619 |
| Tier 1 risk-based capital ratio | 14.1652% | 3,212 |
| Total risk-based capital ratio | 15.2271% | 3,223 |
| Memoranda: | ||
| Average total assets | $168,963,800 | 3,183 |
| Average earning assets | $160,695,600 | 3,134 |
| Average equity | $20,748,200 | 3,013 |
| Average total loans | $134,764,400 | 2,825 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 1,050 |
| Cost of funding earning assets | 0.2270% | 4,909 |
| Net interest margin | 4.7190% | 450 |
| Noninterest income to average assets | 0.4466% | 3,189 |
| Noninterest expense to average assets | 2.5496% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3738% | 195 |
| Return on assets (ROA) | 2.3738% | 194 |
| Pretax return on assets | 2.3738% | 291 |
| Return on Equity (ROE) | 19.3967% | 308 |
| Retained earnings to average equity (ytd only) | 5.8100% | 2,750 |
| Net charge-offs to loans | -0.0260% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7851% | 4,831 |
| Assets per employee ($millions) | 6.0990% | 1,418 |
| Cash dividends to net income (ytd only)* | 70.0468% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.8967% | 734 |
| Net loans and leases to deposits | 94.0972% | 1,370 |
| Net loans and leases to core deposits | 100.8940% | 1,709 |
| Total domestic deposits to total assets | 87.0342% | 1,715 |
| Equity capital to assets | 12.7356% | 1,444 |
| Core capital (leverage) ratio | 10.7508% | 2,837 |
| Tier 1 risk-based capital ratio | 14.2856% | 3,220 |
| Total risk-based capital ratio | 15.3736% | 3,223 |
| Memoranda: | ||
| Average total assets | $168,391,000 | 3,212 |
| Average earning assets | $159,746,250 | 3,171 |
| Average equity | $20,607,750 | 3,054 |
| Average total loans | $133,256,500 | 2,861 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,269 |
| Cost of funding earning assets | 0.2207% | 4,915 |
| Net interest margin | 4.5721% | 593 |
| Noninterest income to average assets | 0.4433% | 3,199 |
| Noninterest expense to average assets | 2.5715% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1942% | 261 |
| Return on assets (ROA) | 2.1942% | 253 |
| Pretax return on assets | 2.1942% | 393 |
| Return on Equity (ROE) | 18.1682% | 401 |
| Retained earnings to average equity (ytd only) | 4.9887% | 3,082 |
| Net charge-offs to loans | -0.0302% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9584% | 4,696 |
| Assets per employee ($millions) | 6.3116% | 1,264 |
| Cash dividends to net income (ytd only)* | 72.5416% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,797 |
| Loan loss allowance to noncurrent loans | 67,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,066 |
| Noncurrent loans to loans | 0.0015% | 4,972 |
| Net loans and leases to total assets | 78.0640% | 1,301 |
| Net loans and leases to deposits | 89.0007% | 1,981 |
| Net loans and leases to core deposits | 94.7285% | 2,158 |
| Total domestic deposits to total assets | 87.7117% | 1,532 |
| Equity capital to assets | 12.1287% | 1,763 |
| Core capital (leverage) ratio | 10.6266% | 2,894 |
| Tier 1 risk-based capital ratio | 14.1729% | 3,277 |
| Total risk-based capital ratio | 15.2715% | 3,268 |
| Memoranda: | ||
| Average total assets | $169,630,670 | 3,222 |
| Average earning assets | $160,362,670 | 3,186 |
| Average equity | $20,486,330 | 3,080 |
| Average total loans | $132,269,000 | 2,885 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8110% | 1,061 |
| Cost of funding earning assets | 0.2213% | 4,885 |
| Net interest margin | 4.5897% | 513 |
| Noninterest income to average assets | 0.4538% | 3,091 |
| Noninterest expense to average assets | 2.5904% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1768% | 258 |
| Return on assets (ROA) | 2.1768% | 258 |
| Pretax return on assets | 2.1768% | 396 |
| Return on Equity (ROE) | 18.0633% | 404 |
| Retained earnings to average equity (ytd only) | 6.2957% | 2,585 |
| Net charge-offs to loans | -0.0061% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3381% | 4,764 |
| Assets per employee ($millions) | 6.5783% | 1,161 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,818 |
| Loan loss allowance to noncurrent loans | 1,404.2105% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,818 |
| Noncurrent loans to loans | 0.0730% | 4,654 |
| Net loans and leases to total assets | 75.3378% | 1,650 |
| Net loans and leases to deposits | 85.6810% | 2,205 |
| Net loans and leases to core deposits | 90.7883% | 2,389 |
| Total domestic deposits to total assets | 87.9282% | 1,661 |
| Equity capital to assets | 11.9894% | 1,795 |
| Core capital (leverage) ratio | 10.5014% | 2,941 |
| Tier 1 risk-based capital ratio | 14.6348% | 3,057 |
| Total risk-based capital ratio | 15.7665% | 3,021 |
| Memoranda: | ||
| Average total assets | $169,239,000 | 3,256 |
| Average earning assets | $159,053,000 | 3,227 |
| Average equity | $20,395,000 | 3,120 |
| Average total loans | $131,211,500 | 2,918 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 852 |
| Cost of funding earning assets | 0.2115% | 4,859 |
| Net interest margin | 4.6599% | 447 |
| Noninterest income to average assets | 0.4136% | 3,542 |
| Noninterest expense to average assets | 2.6399% | 3,317 |
| Loan and lease loss provision to assets | 0.1246% | 1,834 |
| Net operating income to assets | 1.9448% | 316 |
| Return on assets (ROA) | 1.9460% | 321 |
| Pretax return on assets | 1.9460% | 551 |
| Return on Equity (ROE) | 15.5835% | 533 |
| Retained earnings to average equity (ytd only) | 4.1104% | 2,700 |
| Net charge-offs to loans | 0.0400% | 2,991 |
| Credit loss provision to net charge-offs | 392.1569% | 773 |
| Earnings coverage of net charge-offs (x) | 65.1373% | 897 |
| Efficiency ratio | 56.0582% | 4,766 |
| Assets per employee ($millions) | 6.2016% | 1,382 |
| Cash dividends to net income (ytd only)* | 73.6236% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.1771% | 1,268 |
| Net loans and leases to deposits | 89.1157% | 1,882 |
| Net loans and leases to core deposits | 95.6236% | 2,062 |
| Total domestic deposits to total assets | 87.7254% | 1,645 |
| Equity capital to assets | 12.1140% | 1,755 |
| Core capital (leverage) ratio | 10.4177% | 2,947 |
| Tier 1 risk-based capital ratio | 14.0871% | 3,311 |
| Total risk-based capital ratio | 15.1996% | 3,297 |
| Memoranda: | ||
| Average total assets | $160,533,600 | 3,342 |
| Average earning assets | $147,986,800 | 3,350 |
| Average equity | $20,046,800 | 3,141 |
| Average total loans | $127,439,200 | 2,949 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 819 |
| Cost of funding earning assets | 0.2123% | 4,871 |
| Net interest margin | 4.6518% | 446 |
| Noninterest income to average assets | 0.4811% | 3,146 |
| Noninterest expense to average assets | 2.6505% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1166% | 256 |
| Return on assets (ROA) | 2.1183% | 261 |
| Pretax return on assets | 2.1183% | 433 |
| Return on Equity (ROE) | 16.8301% | 452 |
| Retained earnings to average equity (ytd only) | 5.4900% | 2,545 |
| Net charge-offs to loans | 0.0391% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 68.1380% | 912 |
| Efficiency ratio | 55.6006% | 4,782 |
| Assets per employee ($millions) | 5.9861% | 1,502 |
| Cash dividends to net income (ytd only)* | 67.3800% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.7177% | 1,467 |
| Net loans and leases to deposits | 88.0059% | 2,060 |
| Net loans and leases to core deposits | 93.5790% | 2,302 |
| Total domestic deposits to total assets | 87.1734% | 1,786 |
| Equity capital to assets | 12.6218% | 1,593 |
| Core capital (leverage) ratio | 10.5733% | 2,905 |
| Tier 1 risk-based capital ratio | 14.5677% | 3,146 |
| Total risk-based capital ratio | 15.5538% | 3,200 |
| Memoranda: | ||
| Average total assets | $158,806,250 | 3,389 |
| Average earning assets | $146,319,750 | 3,394 |
| Average equity | $19,987,500 | 3,163 |
| Average total loans | $126,240,250 | 2,994 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 880 |
| Cost of funding earning assets | 0.2062% | 4,916 |
| Net interest margin | 4.5831% | 490 |
| Noninterest income to average assets | 0.4852% | 3,115 |
| Noninterest expense to average assets | 2.6858% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0232% | 293 |
| Return on assets (ROA) | 2.0258% | 301 |
| Pretax return on assets | 2.0258% | 508 |
| Return on Equity (ROE) | 16.1108% | 517 |
| Retained earnings to average equity (ytd only) | 5.0277% | 2,690 |
| Net charge-offs to loans | 0.0016% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,597.0000% | 34 |
| Efficiency ratio | 57.0352% | 4,704 |
| Assets per employee ($millions) | 5.9595% | 1,496 |
| Cash dividends to net income (ytd only)* | 68.7930% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 3,946 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.3919% | 1,178 |
| Net loans and leases to deposits | 89.7294% | 1,769 |
| Net loans and leases to core deposits | 98.8511% | 1,742 |
| Total domestic deposits to total assets | 87.3648% | 1,780 |
| Equity capital to assets | 12.4904% | 1,628 |
| Core capital (leverage) ratio | 10.7598% | 2,638 |
| Tier 1 risk-based capital ratio | 13.9223% | 3,464 |
| Total risk-based capital ratio | 14.9133% | 3,535 |
| Memoranda: | ||
| Average total assets | $157,866,670 | 3,419 |
| Average earning assets | $145,490,670 | 3,423 |
| Average equity | $19,850,000 | 3,175 |
| Average total loans | $126,606,670 | 2,994 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 824 |
| Cost of funding earning assets | 0.1993% | 4,980 |
| Net interest margin | 4.5599% | 467 |
| Noninterest income to average assets | 0.4989% | 2,986 |
| Noninterest expense to average assets | 2.7810% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9316% | 342 |
| Return on assets (ROA) | 1.9316% | 356 |
| Pretax return on assets | 1.9316% | 585 |
| Return on Equity (ROE) | 15.3097% | 610 |
| Retained earnings to average equity (ytd only) | 8.2125% | 1,370 |
| Net charge-offs to loans | -0.0095% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0119% | 4,588 |
| Assets per employee ($millions) | 5.8652% | 1,604 |
| Cash dividends to net income (ytd only)* | 46.3576% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 4,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 3,987 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.2357% | 1,100 |
| Net loans and leases to deposits | 89.5978% | 1,587 |
| Net loans and leases to core deposits | 97.0857% | 1,742 |
| Total domestic deposits to total assets | 87.3188% | 2,064 |
| Equity capital to assets | 12.5998% | 1,461 |
| Core capital (leverage) ratio | 10.9308% | 2,437 |
| Tier 1 risk-based capital ratio | 14.3890% | 3,265 |
| Total risk-based capital ratio | 15.4226% | 3,293 |
| Memoranda: | ||
| Average total assets | $156,346,500 | 3,468 |
| Average earning assets | $144,477,000 | 3,468 |
| Average equity | $19,726,000 | 3,203 |
| Average total loans | $126,250,000 | 3,022 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8303% | 835 |
| Cost of funding earning assets | 0.2101% | 4,924 |
| Net interest margin | 4.6202% | 487 |
| Noninterest income to average assets | 0.5104% | 3,169 |
| Noninterest expense to average assets | 2.8175% | 2,969 |
| Loan and lease loss provision to assets | 0.5746% | 229 |
| Net operating income to assets | 1.3993% | 1,010 |
| Return on assets (ROA) | 1.3993% | 1,039 |
| Pretax return on assets | 1.3993% | 1,942 |
| Return on Equity (ROE) | 10.5401% | 1,752 |
| Retained earnings to average equity (ytd only) | -0.6619% | 5,404 |
| Net charge-offs to loans | 0.6051% | 378 |
| Credit loss provision to net charge-offs | 115.4891% | 2,276 |
| Earnings coverage of net charge-offs (x) | 3.9674% | 3,585 |
| Efficiency ratio | 58.8036% | 4,746 |
| Assets per employee ($millions) | 5.7160% | 1,682 |
| Cash dividends to net income (ytd only)* | 106.2802% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,661 |
| Loan loss allowance to noncurrent loans | 247.4895% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 4,033 |
| Noncurrent loans to loans | 0.3751% | 3,781 |
| Net loans and leases to total assets | 81.7952% | 631 |
| Net loans and leases to deposits | 93.7137% | 1,227 |
| Net loans and leases to core deposits | 98.0862% | 1,762 |
| Total domestic deposits to total assets | 87.2820% | 1,987 |
| Equity capital to assets | 12.6344% | 1,438 |
| Core capital (leverage) ratio | 10.6716% | 2,692 |
| Tier 1 risk-based capital ratio | 13.7260% | 3,630 |
| Total risk-based capital ratio | 14.7341% | 3,677 |
| Memoranda: | ||
| Average total assets | $147,930,600 | 3,555 |
| Average earning assets | $137,072,800 | 3,533 |
| Average equity | $19,639,200 | 3,203 |
| Average total loans | $121,638,600 | 3,041 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 833 |
| Cost of funding earning assets | 0.2146% | 4,926 |
| Net interest margin | 4.6230% | 485 |
| Noninterest income to average assets | 0.5385% | 2,990 |
| Noninterest expense to average assets | 2.7417% | 3,207 |
| Loan and lease loss provision to assets | 0.6834% | 164 |
| Net operating income to assets | 1.3923% | 1,084 |
| Return on assets (ROA) | 1.3923% | 1,139 |
| Pretax return on assets | 1.3923% | 2,060 |
| Return on Equity (ROE) | 10.3551% | 1,913 |
| Retained earnings to average equity (ytd only) | -2.3516% | 5,618 |
| Net charge-offs to loans | 0.6700% | 293 |
| Credit loss provision to net charge-offs | 124.1722% | 2,041 |
| Earnings coverage of net charge-offs (x) | 3.7715% | 3,362 |
| Efficiency ratio | 56.9132% | 4,964 |
| Assets per employee ($millions) | 5.4403% | 1,912 |
| Cash dividends to net income (ytd only)* | 122.7097% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 4,566 |
| Loan loss allowance to noncurrent loans | 135.0000% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 3,053 |
| Noncurrent loans to loans | 0.7181% | 2,881 |
| Net loans and leases to total assets | 81.4750% | 692 |
| Net loans and leases to deposits | 93.6305% | 1,302 |
| Net loans and leases to core deposits | 98.3759% | 1,776 |
| Total domestic deposits to total assets | 87.0176% | 1,889 |
| Equity capital to assets | 12.7993% | 1,596 |
| Core capital (leverage) ratio | 10.8813% | 2,591 |
| Tier 1 risk-based capital ratio | 13.7036% | 3,740 |
| Total risk-based capital ratio | 14.7514% | 3,768 |
| Memoranda: | ||
| Average total assets | $146,330,000 | 3,587 |
| Average earning assets | $135,436,500 | 3,578 |
| Average equity | $19,674,250 | 3,225 |
| Average total loans | $120,193,250 | 3,073 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 783 |
| Cost of funding earning assets | 0.2179% | 4,965 |
| Net interest margin | 4.6423% | 467 |
| Noninterest income to average assets | 0.5432% | 2,939 |
| Noninterest expense to average assets | 2.7382% | 3,238 |
| Loan and lease loss provision to assets | 0.7621% | 142 |
| Net operating income to assets | 1.3538% | 1,155 |
| Return on assets (ROA) | 1.3538% | 1,228 |
| Pretax return on assets | 1.3538% | 2,195 |
| Return on Equity (ROE) | 9.9020% | 2,092 |
| Retained earnings to average equity (ytd only) | -2.7669% | 5,606 |
| Net charge-offs to loans | 0.6820% | 300 |
| Credit loss provision to net charge-offs | 136.1386% | 1,715 |
| Earnings coverage of net charge-offs (x) | 3.7797% | 3,061 |
| Efficiency ratio | 56.4088% | 5,099 |
| Assets per employee ($millions) | 5.3642% | 1,923 |
| Cash dividends to net income (ytd only)* | 127.9427% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 4,443 |
| Loan loss allowance to noncurrent loans | 112.7087% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 2,666 |
| Noncurrent loans to loans | 0.8982% | 2,484 |
| Net loans and leases to total assets | 82.0256% | 626 |
| Net loans and leases to deposits | 94.9982% | 1,189 |
| Net loans and leases to core deposits | 100.2523% | 1,616 |
| Total domestic deposits to total assets | 86.3444% | 2,244 |
| Equity capital to assets | 13.5162% | 1,231 |
| Core capital (leverage) ratio | 11.0417% | 2,394 |
| Tier 1 risk-based capital ratio | 14.6204% | 3,243 |
| Total risk-based capital ratio | 15.7332% | 3,257 |
| Memoranda: | ||
| Average total assets | $144,330,330 | 3,642 |
| Average earning assets | $134,027,330 | 3,627 |
| Average equity | $19,733,330 | 3,228 |
| Average total loans | $118,482,670 | 3,105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 730 |
| Cost of funding earning assets | 0.2183% | 5,021 |
| Net interest margin | 4.6541% | 457 |
| Noninterest income to average assets | 0.5525% | 2,794 |
| Noninterest expense to average assets | 2.7624% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1100% | 275 |
| Return on assets (ROA) | 2.1100% | 285 |
| Pretax return on assets | 2.1100% | 452 |
| Return on Equity (ROE) | 15.3442% | 621 |
| Retained earnings to average equity (ytd only) | 2.7256% | 4,146 |
| Net charge-offs to loans | -0.0136% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6952% | 5,130 |
| Assets per employee ($millions) | 5.3458% | 1,986 |
| Cash dividends to net income (ytd only)* | 82.2368% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 4,981 |
| Loan loss allowance to noncurrent loans | 60.9881% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 1,785 |
| Noncurrent loans to loans | 1.5121% | 1,546 |
| Net loans and leases to total assets | 79.9454% | 818 |
| Net loans and leases to deposits | 92.8363% | 1,244 |
| Net loans and leases to core deposits | 98.3122% | 1,611 |
| Total domestic deposits to total assets | 86.1143% | 2,624 |
| Equity capital to assets | 13.8060% | 1,051 |
| Core capital (leverage) ratio | 11.3976% | 2,053 |
| Tier 1 risk-based capital ratio | 15.4693% | 2,940 |
| Total risk-based capital ratio | 16.4841% | 2,984 |
| Memoranda: | ||
| Average total assets | $144,078,500 | 3,666 |
| Average earning assets | $133,732,000 | 3,656 |
| Average equity | $19,812,000 | 3,223 |
| Average total loans | $117,716,000 | 3,122 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 1,044 |
| Cost of funding earning assets | 0.2295% | 5,012 |
| Net interest margin | 4.5000% | 652 |
| Noninterest income to average assets | 0.5243% | 3,171 |
| Noninterest expense to average assets | 2.8212% | 3,145 |
| Loan and lease loss provision to assets | 0.1037% | 2,254 |
| Net operating income to assets | 1.7893% | 491 |
| Return on assets (ROA) | 1.8010% | 493 |
| Pretax return on assets | 1.8010% | 807 |
| Return on Equity (ROE) | 13.1755% | 1,016 |
| Retained earnings to average equity (ytd only) | 1.3105% | 4,973 |
| Net charge-offs to loans | 0.3065% | 982 |
| Credit loss provision to net charge-offs | 42.7350% | 3,497 |
| Earnings coverage of net charge-offs (x) | 7.7977% | 3,040 |
| Efficiency ratio | 59.8445% | 4,927 |
| Assets per employee ($millions) | 5.3267% | 1,975 |
| Cash dividends to net income (ytd only)* | 90.0538% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 5,087 |
| Loan loss allowance to noncurrent loans | 59.5543% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 1,715 |
| Noncurrent loans to loans | 1.5088% | 1,541 |
| Net loans and leases to total assets | 81.9762% | 598 |
| Net loans and leases to deposits | 95.0837% | 1,105 |
| Net loans and leases to core deposits | 100.3968% | 1,478 |
| Total domestic deposits to total assets | 86.2148% | 2,528 |
| Equity capital to assets | 13.6955% | 1,044 |
| Core capital (leverage) ratio | 11.2328% | 2,175 |
| Tier 1 risk-based capital ratio | 14.6546% | 3,348 |
| Total risk-based capital ratio | 15.6195% | 3,426 |
| Memoranda: | ||
| Average total assets | $144,583,000 | 3,658 |
| Average earning assets | $134,622,200 | 3,618 |
| Average equity | $19,764,000 | 3,194 |
| Average total loans | $114,528,000 | 3,130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,078 |
| Cost of funding earning assets | 0.2321% | 5,073 |
| Net interest margin | 4.4787% | 682 |
| Noninterest income to average assets | 0.4992% | 3,370 |
| Noninterest expense to average assets | 2.7233% | 3,485 |
| Loan and lease loss provision to assets | 0.0461% | 3,285 |
| Net operating income to assets | 1.9055% | 421 |
| Return on assets (ROA) | 1.9211% | 428 |
| Pretax return on assets | 1.9211% | 693 |
| Return on Equity (ROE) | 14.0604% | 892 |
| Retained earnings to average equity (ytd only) | 1.4222% | 5,148 |
| Net charge-offs to loans | -0.1117% | 5,824 |
| Credit loss provision to net charge-offs | -52.6316% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2545% | 5,093 |
| Assets per employee ($millions) | 5.7537% | 1,545 |
| Cash dividends to net income (ytd only)* | 89.8852% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 3,314 |
| Loan loss allowance to noncurrent loans | 80.0792% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 2,001 |
| Noncurrent loans to loans | 1.5725% | 1,588 |
| Net loans and leases to total assets | 74.1709% | 1,709 |
| Net loans and leases to deposits | 85.7571% | 2,170 |
| Net loans and leases to core deposits | 90.3234% | 2,433 |
| Total domestic deposits to total assets | 86.4895% | 2,287 |
| Equity capital to assets | 13.1595% | 1,370 |
| Core capital (leverage) ratio | 11.2110% | 2,284 |
| Tier 1 risk-based capital ratio | 15.5296% | 3,034 |
| Total risk-based capital ratio | 16.7805% | 2,960 |
| Memoranda: | ||
| Average total assets | $144,773,500 | 3,683 |
| Average earning assets | $134,976,250 | 3,649 |
| Average equity | $19,780,750 | 3,224 |
| Average total loans | $113,418,000 | 3,173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 888 |
| Cost of funding earning assets | 0.2359% | 5,090 |
| Net interest margin | 4.5682% | 558 |
| Noninterest income to average assets | 0.5015% | 3,364 |
| Noninterest expense to average assets | 2.7353% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0410% | 344 |
| Return on assets (ROA) | 2.0452% | 356 |
| Pretax return on assets | 2.0452% | 552 |
| Return on Equity (ROE) | 14.7787% | 767 |
| Retained earnings to average equity (ytd only) | 2.1603% | 4,627 |
| Net charge-offs to loans | -0.0088% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2682% | 5,310 |
| Assets per employee ($millions) | 5.4118% | 1,824 |
| Cash dividends to net income (ytd only)* | 85.3825% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 4,142 |
| Loan loss allowance to noncurrent loans | 72.1562% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.2558% | 1,996 |
| Noncurrent loans to loans | 1.5782% | 1,670 |
| Net loans and leases to total assets | 78.6672% | 983 |
| Net loans and leases to deposits | 91.6058% | 1,411 |
| Net loans and leases to core deposits | 97.0386% | 1,717 |
| Total domestic deposits to total assets | 85.8757% | 2,758 |
| Equity capital to assets | 13.9694% | 989 |
| Core capital (leverage) ratio | 11.1726% | 2,266 |
| Tier 1 risk-based capital ratio | 15.8302% | 2,937 |
| Total risk-based capital ratio | 17.0768% | 2,904 |
| Memoranda: | ||
| Average total assets | $143,166,330 | 3,728 |
| Average earning assets | $133,970,330 | 3,694 |
| Average equity | $19,812,330 | 3,232 |
| Average total loans | $113,767,000 | 3,183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 898 |
| Cost of funding earning assets | 0.2375% | 5,149 |
| Net interest margin | 4.5384% | 564 |
| Noninterest income to average assets | 0.5346% | 3,056 |
| Noninterest expense to average assets | 2.7951% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9751% | 354 |
| Return on assets (ROA) | 1.9751% | 373 |
| Pretax return on assets | 1.9751% | 616 |
| Return on Equity (ROE) | 14.3385% | 814 |
| Retained earnings to average equity (ytd only) | 14.3385% | 333 |
| Net charge-offs to loans | 0.0279% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 89.1250% | 534 |
| Efficiency ratio | 58.5947% | 5,265 |
| Assets per employee ($millions) | 5.5968% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 4,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.4730% | 1,142 |
| Net loans and leases to deposits | 88.9452% | 1,513 |
| Net loans and leases to core deposits | 94.7662% | 1,711 |
| Total domestic deposits to total assets | 85.9777% | 2,952 |
| Equity capital to assets | 13.9323% | 1,006 |
| Core capital (leverage) ratio | 11.4149% | 2,067 |
| Tier 1 risk-based capital ratio | 16.0679% | 2,891 |
| Total risk-based capital ratio | 17.2838% | 2,840 |
| Memoranda: | ||
| Average total assets | $144,395,500 | 3,739 |
| Average earning assets | $134,762,000 | 3,707 |
| Average equity | $19,890,500 | 3,245 |
| Average total loans | $114,667,500 | 3,183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 879 |
| Cost of funding earning assets | 0.2607% | 5,216 |
| Net interest margin | 4.6656% | 554 |
| Noninterest income to average assets | 0.5575% | 3,131 |
| Noninterest expense to average assets | 2.7214% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1489% | 246 |
| Return on assets (ROA) | 2.1732% | 238 |
| Pretax return on assets | 2.1732% | 338 |
| Return on Equity (ROE) | 15.8221% | 643 |
| Retained earnings to average equity (ytd only) | 2.8447% | 4,210 |
| Net charge-offs to loans | 0.0785% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 33.8652% | 1,224 |
| Efficiency ratio | 55.8776% | 5,676 |
| Assets per employee ($millions) | 5.5105% | 1,761 |
| Cash dividends to net income (ytd only)* | 82.0210% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.6293% | 656 |
| Net loans and leases to deposits | 93.4893% | 1,131 |
| Net loans and leases to core deposits | 104.4872% | 1,099 |
| Total domestic deposits to total assets | 86.2444% | 2,697 |
| Equity capital to assets | 13.6153% | 1,109 |
| Core capital (leverage) ratio | 10.8690% | 2,533 |
| Tier 1 risk-based capital ratio | 14.7110% | 3,652 |
| Total risk-based capital ratio | 15.8803% | 3,631 |
| Memoranda: | ||
| Average total assets | $140,257,000 | 3,796 |
| Average earning assets | $129,651,600 | 3,780 |
| Average equity | $19,264,200 | 3,257 |
| Average total loans | $113,353,000 | 3,152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 850 |
| Cost of funding earning assets | 0.2611% | 5,293 |
| Net interest margin | 4.6814% | 524 |
| Noninterest income to average assets | 0.5333% | 3,304 |
| Noninterest expense to average assets | 2.7201% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1313% | 268 |
| Return on assets (ROA) | 2.1562% | 267 |
| Pretax return on assets | 2.1562% | 401 |
| Return on Equity (ROE) | 15.6634% | 723 |
| Retained earnings to average equity (ytd only) | 3.1660% | 4,375 |
| Net charge-offs to loans | 0.1138% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.2286% | 1,595 |
| Efficiency ratio | 56.0678% | 5,656 |
| Assets per employee ($millions) | 5.2791% | 1,922 |
| Cash dividends to net income (ytd only)* | 79.7874% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 4,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 4,868 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.2918% | 927 |
| Net loans and leases to deposits | 90.8154% | 1,349 |
| Net loans and leases to core deposits | 102.5473% | 1,182 |
| Total domestic deposits to total assets | 86.2098% | 2,749 |
| Equity capital to assets | 13.5980% | 1,143 |
| Core capital (leverage) ratio | 11.6051% | 1,979 |
| Tier 1 risk-based capital ratio | 14.9600% | 3,611 |
| Total risk-based capital ratio | 16.1495% | 3,579 |
| Memoranda: | ||
| Average total assets | $139,503,000 | 3,836 |
| Average earning assets | $128,677,250 | 3,816 |
| Average equity | $19,203,500 | 3,270 |
| Average total loans | $112,493,750 | 3,190 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 789 |
| Cost of funding earning assets | 0.2625% | 5,364 |
| Net interest margin | 4.7118% | 475 |
| Noninterest income to average assets | 0.5618% | 3,038 |
| Noninterest expense to average assets | 2.7323% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1850% | 236 |
| Return on assets (ROA) | 2.1850% | 245 |
| Pretax return on assets | 2.1850% | 379 |
| Return on Equity (ROE) | 15.8065% | 673 |
| Retained earnings to average equity (ytd only) | 3.2700% | 4,125 |
| Net charge-offs to loans | 0.0178% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 151.3000% | 408 |
| Efficiency ratio | 55.5653% | 5,787 |
| Assets per employee ($millions) | 5.1176% | 2,069 |
| Cash dividends to net income (ytd only)* | 79.3126% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,386 |
| Loan loss allowance to noncurrent loans | 1,955.0725% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 4,231 |
| Noncurrent loans to loans | 0.0618% | 5,841 |
| Net loans and leases to total assets | 79.7849% | 709 |
| Net loans and leases to deposits | 92.9019% | 1,061 |
| Net loans and leases to core deposits | 104.4295% | 989 |
| Total domestic deposits to total assets | 85.8808% | 3,103 |
| Equity capital to assets | 13.9549% | 984 |
| Core capital (leverage) ratio | 11.9045% | 1,716 |
| Tier 1 risk-based capital ratio | 14.3696% | 4,015 |
| Total risk-based capital ratio | 15.6010% | 3,965 |
| Memoranda: | ||
| Average total assets | $138,492,000 | 3,873 |
| Average earning assets | $128,020,000 | 3,851 |
| Average equity | $19,144,000 | 3,265 |
| Average total loans | $112,372,670 | 3,197 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 536 |
| Cost of funding earning assets | 0.2657% | 5,434 |
| Net interest margin | 4.8864% | 327 |
| Noninterest income to average assets | 0.5799% | 2,861 |
| Noninterest expense to average assets | 2.7724% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3166% | 195 |
| Return on assets (ROA) | 2.3166% | 205 |
| Pretax return on assets | 2.3166% | 301 |
| Return on Equity (ROE) | 16.8388% | 547 |
| Retained earnings to average equity (ytd only) | 4.2569% | 3,574 |
| Net charge-offs to loans | 0.0780% | 2,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 930 |
| Efficiency ratio | 54.4785% | 5,975 |
| Assets per employee ($millions) | 5.3313% | 1,880 |
| Cash dividends to net income (ytd only)* | 74.7198% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 4,548 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 79.4500% | 610 |
| Net loans and leases to deposits | 92.3141% | 927 |
| Net loans and leases to core deposits | 103.2456% | 906 |
| Total domestic deposits to total assets | 86.0648% | 3,333 |
| Equity capital to assets | 13.8537% | 966 |
| Core capital (leverage) ratio | 11.8078% | 1,756 |
| Tier 1 risk-based capital ratio | 15.0743% | 3,676 |
| Total risk-based capital ratio | 16.3250% | 3,627 |
| Memoranda: | ||
| Average total assets | $138,651,000 | 3,905 |
| Average earning assets | $127,947,000 | 3,892 |
| Average equity | $19,075,000 | 3,270 |
| Average total loans | $112,763,500 | 3,209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 739 |
| Cost of funding earning assets | 0.3157% | 5,461 |
| Net interest margin | 4.8076% | 425 |
| Noninterest income to average assets | 0.7282% | 2,392 |
| Noninterest expense to average assets | 2.6064% | 4,441 |
| Loan and lease loss provision to assets | 0.1104% | 2,962 |
| Net operating income to assets | 2.4171% | 186 |
| Return on assets (ROA) | 2.4171% | 188 |
| Pretax return on assets | 2.4171% | 224 |
| Return on Equity (ROE) | 17.3529% | 468 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,656 |
| Net charge-offs to loans | 0.2602% | 2,406 |
| Credit loss provision to net charge-offs | 53.3808% | 3,740 |
| Earnings coverage of net charge-offs (x) | 12.2171% | 2,149 |
| Efficiency ratio | 50.7672% | 6,366 |
| Assets per employee ($millions) | 5.3342% | 1,815 |
| Cash dividends to net income (ytd only)* | 79.1959% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 4,711 |
| Loan loss allowance to noncurrent loans | 568.2008% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 4,137 |
| Noncurrent loans to loans | 0.2095% | 5,554 |
| Net loans and leases to total assets | 81.2638% | 471 |
| Net loans and leases to deposits | 95.0255% | 797 |
| Net loans and leases to core deposits | 100.5657% | 1,113 |
| Total domestic deposits to total assets | 85.5180% | 3,500 |
| Equity capital to assets | 13.6615% | 1,006 |
| Core capital (leverage) ratio | 11.3678% | 2,057 |
| Tier 1 risk-based capital ratio | 14.6388% | 3,878 |
| Total risk-based capital ratio | 15.8893% | 3,823 |
| Memoranda: | ||
| Average total assets | $135,821,800 | 3,963 |
| Average earning assets | $124,470,400 | 3,961 |
| Average equity | $18,919,000 | 3,288 |
| Average total loans | $107,980,800 | 3,285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 765 |
| Cost of funding earning assets | 0.3237% | 5,516 |
| Net interest margin | 4.7846% | 443 |
| Noninterest income to average assets | 0.9168% | 1,699 |
| Noninterest expense to average assets | 2.5836% | 4,446 |
| Loan and lease loss provision to assets | 0.0493% | 4,028 |
| Net operating income to assets | 2.6596% | 148 |
| Return on assets (ROA) | 2.6596% | 153 |
| Pretax return on assets | 2.6596% | 195 |
| Return on Equity (ROE) | 18.9998% | 370 |
| Retained earnings to average equity (ytd only) | 5.9573% | 2,440 |
| Net charge-offs to loans | 0.2467% | 2,333 |
| Credit loss provision to net charge-offs | 25.3807% | 3,975 |
| Earnings coverage of net charge-offs (x) | 13.9340% | 1,981 |
| Efficiency ratio | 48.8160% | 6,464 |
| Assets per employee ($millions) | 5.1197% | 2,030 |
| Cash dividends to net income (ytd only)* | 68.6458% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,739 |
| Loan loss allowance to noncurrent loans | 1,543.6782% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 4,251 |
| Noncurrent loans to loans | 0.0797% | 6,095 |
| Net loans and leases to total assets | 81.0160% | 450 |
| Net loans and leases to deposits | 95.6377% | 716 |
| Net loans and leases to core deposits | 101.7752% | 1,006 |
| Total domestic deposits to total assets | 84.7114% | 3,876 |
| Equity capital to assets | 14.3293% | 871 |
| Core capital (leverage) ratio | 12.1280% | 1,600 |
| Tier 1 risk-based capital ratio | 15.2767% | 3,579 |
| Total risk-based capital ratio | 16.5270% | 3,532 |
| Memoranda: | ||
| Average total assets | $135,105,000 | 4,011 |
| Average earning assets | $123,558,750 | 4,016 |
| Average equity | $18,912,000 | 3,321 |
| Average total loans | $106,460,500 | 3,337 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 769 |
| Cost of funding earning assets | 0.3302% | 5,565 |
| Net interest margin | 4.7722% | 452 |
| Noninterest income to average assets | 1.0901% | 1,287 |
| Noninterest expense to average assets | 2.5484% | 4,570 |
| Loan and lease loss provision to assets | 0.0737% | 3,567 |
| Net operating income to assets | 2.8106% | 127 |
| Return on assets (ROA) | 2.8106% | 131 |
| Pretax return on assets | 2.8106% | 177 |
| Return on Equity (ROE) | 20.2354% | 288 |
| Retained earnings to average equity (ytd only) | 7.5087% | 1,667 |
| Net charge-offs to loans | 0.2615% | 2,159 |
| Credit loss provision to net charge-offs | 36.2319% | 3,487 |
| Earnings coverage of net charge-offs (x) | 14.1884% | 1,842 |
| Efficiency ratio | 46.9089% | 6,592 |
| Assets per employee ($millions) | 5.0342% | 2,072 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 4,283 |
| Loan loss allowance to noncurrent loans | 1,445.3608% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 4,381 |
| Noncurrent loans to loans | 0.0932% | 6,122 |
| Net loans and leases to total assets | 75.5464% | 1,036 |
| Net loans and leases to deposits | 88.7764% | 1,257 |
| Net loans and leases to core deposits | 94.3310% | 1,493 |
| Total domestic deposits to total assets | 85.0974% | 3,846 |
| Equity capital to assets | 14.0381% | 961 |
| Core capital (leverage) ratio | 11.7824% | 1,736 |
| Tier 1 risk-based capital ratio | 15.6239% | 3,410 |
| Total risk-based capital ratio | 16.8756% | 3,360 |
| Memoranda: | ||
| Average total assets | $135,769,330 | 4,030 |
| Average earning assets | $123,548,000 | 4,041 |
| Average equity | $18,858,000 | 3,346 |
| Average total loans | $105,552,330 | 3,370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 539 |
| Cost of funding earning assets | 0.3325% | 5,692 |
| Net interest margin | 4.9353% | 319 |
| Noninterest income to average assets | 1.5329% | 653 |
| Noninterest expense to average assets | 2.7061% | 4,030 |
| Loan and lease loss provision to assets | 0.1474% | 2,405 |
| Net operating income to assets | 3.1424% | 94 |
| Return on assets (ROA) | 3.1424% | 100 |
| Pretax return on assets | 3.1424% | 141 |
| Return on Equity (ROE) | 22.7456% | 171 |
| Retained earnings to average equity (ytd only) | 11.0101% | 871 |
| Net charge-offs to loans | -0.0790% | 6,345 |
| Credit loss provision to net charge-offs | -238.0952% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1327% | 6,726 |
| Assets per employee ($millions) | 5.2347% | 1,941 |
| Cash dividends to net income (ytd only)* | 51.5947% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 3,919 |
| Loan loss allowance to noncurrent loans | 243.9063% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 4,119 |
| Noncurrent loans to loans | 0.6041% | 4,931 |
| Net loans and leases to total assets | 76.6989% | 752 |
| Net loans and leases to deposits | 90.0059% | 963 |
| Net loans and leases to core deposits | 95.3977% | 1,238 |
| Total domestic deposits to total assets | 85.2154% | 3,940 |
| Equity capital to assets | 13.9668% | 1,037 |
| Core capital (leverage) ratio | 12.0007% | 1,564 |
| Tier 1 risk-based capital ratio | 15.0812% | 3,787 |
| Total risk-based capital ratio | 16.3351% | 3,740 |
| Memoranda: | ||
| Average total assets | $135,692,500 | 4,072 |
| Average earning assets | $122,707,000 | 4,101 |
| Average equity | $18,746,500 | 3,416 |
| Average total loans | $106,285,000 | 3,376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 700 |
| Cost of funding earning assets | 0.4982% | 5,230 |
| Net interest margin | 4.9411% | 417 |
| Noninterest income to average assets | 0.6489% | 2,995 |
| Noninterest expense to average assets | 2.6127% | 4,701 |
| Loan and lease loss provision to assets | 0.8186% | 583 |
| Net operating income to assets | 1.6677% | 662 |
| Return on assets (ROA) | 1.6677% | 739 |
| Pretax return on assets | 1.6677% | 1,221 |
| Return on Equity (ROE) | 12.0006% | 1,513 |
| Retained earnings to average equity (ytd only) | 1.2906% | 5,224 |
| Net charge-offs to loans | 0.6263% | 1,875 |
| Credit loss provision to net charge-offs | 171.0731% | 1,543 |
| Earnings coverage of net charge-offs (x) | 5.1960% | 3,112 |
| Efficiency ratio | 50.1313% | 6,584 |
| Assets per employee ($millions) | 5.0105% | 2,218 |
| Cash dividends to net income (ytd only)* | 89.2459% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 4,185 |
| Loan loss allowance to noncurrent loans | 784.2105% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 4,311 |
| Noncurrent loans to loans | 0.1782% | 6,030 |
| Net loans and leases to total assets | 77.7113% | 708 |
| Net loans and leases to deposits | 92.8711% | 841 |
| Net loans and leases to core deposits | 98.3295% | 1,124 |
| Total domestic deposits to total assets | 83.6766% | 4,461 |
| Equity capital to assets | 13.6631% | 1,168 |
| Core capital (leverage) ratio | 11.1328% | 2,139 |
| Tier 1 risk-based capital ratio | 14.5241% | 4,015 |
| Total risk-based capital ratio | 15.7770% | 3,968 |
| Memoranda: | ||
| Average total assets | $134,380,000 | 4,054 |
| Average earning assets | $121,026,000 | 4,091 |
| Average equity | $18,674,000 | 3,376 |
| Average total loans | $102,664,800 | 3,462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4795% | 714 |
| Cost of funding earning assets | 0.5318% | 5,229 |
| Net interest margin | 4.9477% | 440 |
| Noninterest income to average assets | 0.6828% | 2,799 |
| Noninterest expense to average assets | 2.5423% | 4,952 |
| Loan and lease loss provision to assets | 0.8945% | 496 |
| Net operating income to assets | 1.7025% | 683 |
| Return on assets (ROA) | 1.7025% | 757 |
| Pretax return on assets | 1.7025% | 1,264 |
| Return on Equity (ROE) | 12.1996% | 1,566 |
| Retained earnings to average equity (ytd only) | 2.7632% | 4,897 |
| Net charge-offs to loans | 0.5403% | 1,983 |
| Credit loss provision to net charge-offs | 218.4466% | 1,275 |
| Earnings coverage of net charge-offs (x) | 6.3422% | 2,814 |
| Efficiency ratio | 47.9985% | 6,717 |
| Assets per employee ($millions) | 4.7983% | 2,449 |
| Cash dividends to net income (ytd only)* | 77.3497% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 4,037 |
| Loan loss allowance to noncurrent loans | 259.1141% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 3,754 |
| Noncurrent loans to loans | 0.5705% | 5,294 |
| Net loans and leases to total assets | 75.4501% | 1,054 |
| Net loans and leases to deposits | 90.5540% | 1,090 |
| Net loans and leases to core deposits | 98.1326% | 1,255 |
| Total domestic deposits to total assets | 83.3206% | 4,510 |
| Equity capital to assets | 13.9441% | 1,184 |
| Core capital (leverage) ratio | 11.9000% | 1,719 |
| Tier 1 risk-based capital ratio | 15.0905% | 3,785 |
| Total risk-based capital ratio | 16.3439% | 3,735 |
| Memoranda: | ||
| Average total assets | $134,154,000 | 4,093 |
| Average earning assets | $120,834,250 | 4,136 |
| Average equity | $18,721,500 | 3,402 |
| Average total loans | $101,675,750 | 3,517 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 707 |
| Cost of funding earning assets | 0.5877% | 5,006 |
| Net interest margin | 4.9216% | 446 |
| Noninterest income to average assets | 0.7249% | 2,531 |
| Noninterest expense to average assets | 2.6043% | 4,768 |
| Loan and lease loss provision to assets | 0.8949% | 524 |
| Net operating income to assets | 1.6720% | 717 |
| Return on assets (ROA) | 1.6720% | 801 |
| Pretax return on assets | 1.6720% | 1,335 |
| Return on Equity (ROE) | 11.9782% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.0328% | 3,265 |
| Net charge-offs to loans | 0.8176% | 1,349 |
| Credit loss provision to net charge-offs | 144.9275% | 1,912 |
| Earnings coverage of net charge-offs (x) | 4.1570% | 3,162 |
| Efficiency ratio | 48.8895% | 6,720 |
| Assets per employee ($millions) | 4.5800% | 2,757 |
| Cash dividends to net income (ytd only)* | 57.9839% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,360 |
| Loan loss allowance to noncurrent loans | 277.6765% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,153 |
| Noncurrent loans to loans | 0.4315% | 5,671 |
| Net loans and leases to total assets | 78.3911% | 680 |
| Net loans and leases to deposits | 95.1753% | 682 |
| Net loans and leases to core deposits | 103.9318% | 863 |
| Total domestic deposits to total assets | 82.3650% | 4,993 |
| Equity capital to assets | 14.6929% | 862 |
| Core capital (leverage) ratio | 11.8363% | 1,695 |
| Tier 1 risk-based capital ratio | 15.2819% | 3,580 |
| Total risk-based capital ratio | 16.5278% | 3,548 |
| Memoranda: | ||
| Average total assets | $134,088,330 | 4,114 |
| Average earning assets | $121,140,330 | 4,147 |
| Average equity | $18,717,330 | 3,396 |
| Average total loans | $101,271,330 | 3,541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 912 |
| Cost of funding earning assets | 0.6032% | 5,096 |
| Net interest margin | 4.7968% | 568 |
| Noninterest income to average assets | 0.7269% | 2,520 |
| Noninterest expense to average assets | 2.5136% | 5,104 |
| Loan and lease loss provision to assets | 0.8758% | 513 |
| Net operating income to assets | 1.6553% | 787 |
| Return on assets (ROA) | 1.6553% | 878 |
| Pretax return on assets | 1.6553% | 1,421 |
| Return on Equity (ROE) | 12.1576% | 1,626 |
| Retained earnings to average equity (ytd only) | 12.1576% | 803 |
| Net charge-offs to loans | 0.5780% | 1,651 |
| Credit loss provision to net charge-offs | 205.4795% | 1,314 |
| Earnings coverage of net charge-offs (x) | 5.9384% | 2,275 |
| Efficiency ratio | 48.3796% | 6,773 |
| Assets per employee ($millions) | 4.9653% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,760 |
| Loan loss allowance to noncurrent loans | 180.9451% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 3,694 |
| Noncurrent loans to loans | 0.6293% | 5,386 |
| Net loans and leases to total assets | 76.8752% | 710 |
| Net loans and leases to deposits | 92.4796% | 765 |
| Net loans and leases to core deposits | 101.2387% | 905 |
| Total domestic deposits to total assets | 83.1267% | 4,873 |
| Equity capital to assets | 14.1462% | 970 |
| Core capital (leverage) ratio | 11.6847% | 1,781 |
| Tier 1 risk-based capital ratio | 14.8611% | 3,851 |
| Total risk-based capital ratio | 16.0355% | 3,863 |
| Memoranda: | ||
| Average total assets | $137,013,000 | 4,089 |
| Average earning assets | $123,333,500 | 4,122 |
| Average equity | $18,655,000 | 3,399 |
| Average total loans | $101,033,500 | 3,568 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7669% | 682 |
| Cost of funding earning assets | 0.7468% | 5,234 |
| Net interest margin | 5.0201% | 401 |
| Noninterest income to average assets | 0.7115% | 2,541 |
| Noninterest expense to average assets | 2.5834% | 5,158 |
| Loan and lease loss provision to assets | 1.0848% | 837 |
| Net operating income to assets | 1.6347% | 626 |
| Return on assets (ROA) | 1.6864% | 601 |
| Pretax return on assets | 1.6864% | 1,018 |
| Return on Equity (ROE) | 12.2905% | 1,335 |
| Retained earnings to average equity (ytd only) | 0.2944% | 5,694 |
| Net charge-offs to loans | 1.6464% | 947 |
| Credit loss provision to net charge-offs | 85.4449% | 4,222 |
| Earnings coverage of net charge-offs (x) | 2.1420% | 4,182 |
| Efficiency ratio | 47.2912% | 6,978 |
| Assets per employee ($millions) | 5.1838% | 1,960 |
| Cash dividends to net income (ytd only)* | 97.6043% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 5,975 |
| Loan loss allowance to noncurrent loans | 60.3741% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.9191% | 3,081 |
| Noncurrent loans to loans | 1.7492% | 3,530 |
| Net loans and leases to total assets | 69.1509% | 2,193 |
| Net loans and leases to deposits | 84.1931% | 1,899 |
| Net loans and leases to core deposits | 93.9615% | 1,703 |
| Total domestic deposits to total assets | 82.1337% | 5,084 |
| Equity capital to assets | 13.1071% | 1,437 |
| Core capital (leverage) ratio | 10.9866% | 2,277 |
| Tier 1 risk-based capital ratio | 14.7329% | 3,807 |
| Total risk-based capital ratio | 15.7877% | 3,919 |
| Memoranda: | ||
| Average total assets | $133,660,000 | 4,099 |
| Average earning assets | $122,248,600 | 4,088 |
| Average equity | $18,339,400 | 3,380 |
| Average total loans | $103,074,800 | 3,545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8790% | 586 |
| Cost of funding earning assets | 0.7724% | 5,319 |
| Net interest margin | 5.1066% | 333 |
| Noninterest income to average assets | 0.7137% | 2,517 |
| Noninterest expense to average assets | 2.5730% | 5,186 |
| Loan and lease loss provision to assets | 0.9085% | 981 |
| Net operating income to assets | 1.9240% | 409 |
| Return on assets (ROA) | 1.9936% | 376 |
| Pretax return on assets | 1.9936% | 631 |
| Return on Equity (ROE) | 14.3596% | 968 |
| Retained earnings to average equity (ytd only) | 0.9088% | 5,643 |
| Net charge-offs to loans | 0.5926% | 2,483 |
| Credit loss provision to net charge-offs | 193.9655% | 1,504 |
| Earnings coverage of net charge-offs (x) | 6.0474% | 2,633 |
| Efficiency ratio | 46.1811% | 7,051 |
| Assets per employee ($millions) | 4.6515% | 2,692 |
| Cash dividends to net income (ytd only)* | 93.6710% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 3,272 |
| Loan loss allowance to noncurrent loans | 114.2477% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 3,265 |
| Noncurrent loans to loans | 1.4879% | 4,065 |
| Net loans and leases to total assets | 76.1934% | 951 |
| Net loans and leases to deposits | 94.5500% | 789 |
| Net loans and leases to core deposits | 108.4690% | 749 |
| Total domestic deposits to total assets | 80.5852% | 5,574 |
| Equity capital to assets | 14.1975% | 1,086 |
| Core capital (leverage) ratio | 11.4687% | 2,042 |
| Tier 1 risk-based capital ratio | 14.5510% | 3,938 |
| Total risk-based capital ratio | 15.8065% | 3,916 |
| Memoranda: | ||
| Average total assets | $132,084,500 | 4,150 |
| Average earning assets | $121,355,250 | 4,123 |
| Average equity | $18,338,000 | 3,387 |
| Average total loans | $104,389,000 | 3,536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8926% | 590 |
| Cost of funding earning assets | 0.7928% | 5,425 |
| Net interest margin | 5.0998% | 332 |
| Noninterest income to average assets | 0.7249% | 2,404 |
| Noninterest expense to average assets | 2.5984% | 5,190 |
| Loan and lease loss provision to assets | 0.9043% | 991 |
| Net operating income to assets | 1.9051% | 406 |
| Return on assets (ROA) | 1.9774% | 373 |
| Pretax return on assets | 1.9774% | 613 |
| Return on Equity (ROE) | 14.3490% | 908 |
| Retained earnings to average equity (ytd only) | 0.1312% | 5,784 |
| Net charge-offs to loans | 0.4757% | 2,672 |
| Credit loss provision to net charge-offs | 239.0438% | 1,263 |
| Earnings coverage of net charge-offs (x) | 7.4263% | 2,225 |
| Efficiency ratio | 46.6276% | 7,127 |
| Assets per employee ($millions) | 4.6973% | 2,547 |
| Cash dividends to net income (ytd only)* | 99.0854% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 3,713 |
| Loan loss allowance to noncurrent loans | 83.8394% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.9335% | 3,330 |
| Noncurrent loans to loans | 1.9008% | 3,606 |
| Net loans and leases to total assets | 76.4796% | 1,005 |
| Net loans and leases to deposits | 94.5092% | 836 |
| Net loans and leases to core deposits | 114.9707% | 550 |
| Total domestic deposits to total assets | 80.9229% | 5,548 |
| Equity capital to assets | 13.9153% | 1,127 |
| Core capital (leverage) ratio | 11.0988% | 2,172 |
| Tier 1 risk-based capital ratio | 14.3402% | 3,908 |
| Total risk-based capital ratio | 15.5946% | 3,880 |
| Memoranda: | ||
| Average total assets | $132,699,000 | 4,168 |
| Average earning assets | $121,847,000 | 4,149 |
| Average equity | $18,287,000 | 3,375 |
| Average total loans | $105,535,000 | 3,550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9739% | 495 |
| Cost of funding earning assets | 0.8291% | 5,399 |
| Net interest margin | 5.1448% | 281 |
| Noninterest income to average assets | 0.7983% | 2,044 |
| Noninterest expense to average assets | 2.6019% | 5,219 |
| Loan and lease loss provision to assets | 0.9003% | 892 |
| Net operating income to assets | 2.0077% | 346 |
| Return on assets (ROA) | 2.1518% | 289 |
| Pretax return on assets | 2.1518% | 426 |
| Return on Equity (ROE) | 15.6897% | 714 |
| Retained earnings to average equity (ytd only) | 3.6544% | 3,983 |
| Net charge-offs to loans | -0.0560% | 6,918 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8606% | 7,210 |
| Assets per employee ($millions) | 5.2217% | 1,865 |
| Cash dividends to net income (ytd only)* | 76.7085% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 4,248 |
| Loan loss allowance to noncurrent loans | 121.7557% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5719% | 3,891 |
| Noncurrent loans to loans | 1.2258% | 4,634 |
| Net loans and leases to total assets | 77.5403% | 797 |
| Net loans and leases to deposits | 95.1387% | 742 |
| Net loans and leases to core deposits | 116.5947% | 512 |
| Total domestic deposits to total assets | 81.5023% | 5,495 |
| Equity capital to assets | 13.5258% | 1,171 |
| Core capital (leverage) ratio | 11.1632% | 2,060 |
| Tier 1 risk-based capital ratio | 14.0081% | 4,063 |
| Total risk-based capital ratio | 15.2621% | 4,045 |
| Memoranda: | ||
| Average total assets | $133,286,500 | 4,189 |
| Average earning assets | $122,064,000 | 4,178 |
| Average equity | $18,279,500 | 3,358 |
| Average total loans | $107,193,500 | 3,557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0527% | 770 |
| Cost of funding earning assets | 0.9028% | 6,168 |
| Net interest margin | 5.1499% | 323 |
| Noninterest income to average assets | 0.6258% | 3,309 |
| Noninterest expense to average assets | 2.4895% | 5,844 |
| Loan and lease loss provision to assets | 0.8779% | 1,865 |
| Net operating income to assets | 1.9628% | 301 |
| Return on assets (ROA) | 2.0050% | 295 |
| Pretax return on assets | 2.0050% | 473 |
| Return on Equity (ROE) | 15.3441% | 670 |
| Retained earnings to average equity (ytd only) | 5.8656% | 1,903 |
| Net charge-offs to loans | 1.3188% | 1,696 |
| Credit loss provision to net charge-offs | 83.7969% | 5,398 |
| Earnings coverage of net charge-offs (x) | 2.7114% | 3,730 |
| Efficiency ratio | 45.3253% | 7,380 |
| Assets per employee ($millions) | 4.8448% | 2,349 |
| Cash dividends to net income (ytd only)* | 61.7733% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 5,567 |
| Loan loss allowance to noncurrent loans | 97.2644% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6360% | 3,848 |
| Noncurrent loans to loans | 1.2239% | 4,682 |
| Net loans and leases to total assets | 81.2178% | 518 |
| Net loans and leases to deposits | 104.7866% | 370 |
| Net loans and leases to core deposits | 131.6395% | 312 |
| Total domestic deposits to total assets | 77.5078% | 6,402 |
| Equity capital to assets | 13.9103% | 1,062 |
| Core capital (leverage) ratio | 11.2033% | 2,013 |
| Tier 1 risk-based capital ratio | 13.6925% | 4,066 |
| Total risk-based capital ratio | 14.9203% | 4,054 |
| Memoranda: | ||
| Average total assets | $137,254,400 | 4,113 |
| Average earning assets | $125,382,000 | 4,118 |
| Average equity | $17,935,200 | 3,434 |
| Average total loans | $109,039,200 | 3,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 867 |
| Cost of funding earning assets | 0.9179% | 6,318 |
| Net interest margin | 5.1194% | 342 |
| Noninterest income to average assets | 0.7710% | 2,381 |
| Noninterest expense to average assets | 2.4445% | 5,908 |
| Loan and lease loss provision to assets | 0.8641% | 1,760 |
| Net operating income to assets | 2.1373% | 268 |
| Return on assets (ROA) | 2.1939% | 260 |
| Pretax return on assets | 2.1939% | 417 |
| Return on Equity (ROE) | 17.0486% | 583 |
| Retained earnings to average equity (ytd only) | 6.6031% | 2,040 |
| Net charge-offs to loans | 0.3704% | 3,830 |
| Credit loss provision to net charge-offs | 296.0526% | 1,082 |
| Earnings coverage of net charge-offs (x) | 10.2830% | 1,902 |
| Efficiency ratio | 43.5472% | 7,478 |
| Assets per employee ($millions) | 5.1580% | 1,992 |
| Cash dividends to net income (ytd only)* | 61.2692% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 2,269 |
| Loan loss allowance to noncurrent loans | 120.7212% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 2.3488% | 3,024 |
| Noncurrent loans to loans | 1.6424% | 4,182 |
| Net loans and leases to total assets | 77.7442% | 1,079 |
| Net loans and leases to deposits | 96.9617% | 889 |
| Net loans and leases to core deposits | 124.4028% | 489 |
| Total domestic deposits to total assets | 80.1803% | 5,644 |
| Equity capital to assets | 13.6307% | 1,304 |
| Core capital (leverage) ratio | 11.1326% | 2,171 |
| Tier 1 risk-based capital ratio | 13.4937% | 4,210 |
| Total risk-based capital ratio | 14.7530% | 4,159 |
| Memoranda: | ||
| Average total assets | $138,865,500 | 4,126 |
| Average earning assets | $126,809,750 | 4,139 |
| Average equity | $17,870,000 | 3,488 |
| Average total loans | $109,418,750 | 3,613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0221% | 899 |
| Cost of funding earning assets | 0.9361% | 6,436 |
| Net interest margin | 5.0860% | 353 |
| Noninterest income to average assets | 0.7376% | 2,467 |
| Noninterest expense to average assets | 2.3880% | 6,097 |
| Loan and lease loss provision to assets | 0.8544% | 1,704 |
| Net operating income to assets | 2.1758% | 244 |
| Return on assets (ROA) | 2.2584% | 224 |
| Pretax return on assets | 2.2584% | 365 |
| Return on Equity (ROE) | 17.8872% | 473 |
| Retained earnings to average equity (ytd only) | 7.7368% | 1,536 |
| Net charge-offs to loans | 0.1576% | 4,683 |
| Credit loss provision to net charge-offs | 689.6552% | 540 |
| Earnings coverage of net charge-offs (x) | 24.4598% | 1,070 |
| Efficiency ratio | 42.7332% | 7,560 |
| Assets per employee ($millions) | 4.8868% | 2,320 |
| Cash dividends to net income (ytd only)* | 56.7465% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 2,419 |
| Loan loss allowance to noncurrent loans | 1,171.0983% | 298 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 4,702 |
| Noncurrent loans to loans | 0.1620% | 6,937 |
| Net loans and leases to total assets | 79.3964% | 890 |
| Net loans and leases to deposits | 100.0439% | 720 |
| Net loans and leases to core deposits | 123.0840% | 598 |
| Total domestic deposits to total assets | 79.3615% | 5,926 |
| Equity capital to assets | 13.6711% | 1,280 |
| Core capital (leverage) ratio | 10.1309% | 3,020 |
| Tier 1 risk-based capital ratio | 13.2278% | 4,269 |
| Total risk-based capital ratio | 14.4859% | 4,220 |
| Memoranda: | ||
| Average total assets | $140,451,000 | 4,127 |
| Average earning assets | $129,256,670 | 4,106 |
| Average equity | $17,733,330 | 3,507 |
| Average total loans | $110,434,670 | 3,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 1,447 |
| Cost of funding earning assets | 0.9406% | 6,616 |
| Net interest margin | 4.8614% | 570 |
| Noninterest income to average assets | 0.7353% | 2,381 |
| Noninterest expense to average assets | 2.2860% | 6,418 |
| Loan and lease loss provision to assets | 0.8293% | 1,528 |
| Net operating income to assets | 2.1202% | 286 |
| Return on assets (ROA) | 2.2722% | 246 |
| Pretax return on assets | 2.2722% | 371 |
| Return on Equity (ROE) | 18.7020% | 462 |
| Retained earnings to average equity (ytd only) | 13.0140% | 617 |
| Net charge-offs to loans | 0.2245% | 3,586 |
| Credit loss provision to net charge-offs | 476.1905% | 886 |
| Earnings coverage of net charge-offs (x) | 16.9365% | 1,313 |
| Efficiency ratio | 42.3442% | 7,668 |
| Assets per employee ($millions) | 5.7378% | 1,464 |
| Cash dividends to net income (ytd only)* | 30.4136% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,638 |
| Loan loss allowance to noncurrent loans | 365.5532% | 858 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 4,611 |
| Noncurrent loans to loans | 0.4255% | 6,449 |
| Net loans and leases to total assets | 74.2833% | 1,913 |
| Net loans and leases to deposits | 91.5110% | 1,679 |
| Net loans and leases to core deposits | 129.4557% | 507 |
| Total domestic deposits to total assets | 81.1741% | 5,394 |
| Equity capital to assets | 12.0014% | 2,047 |
| Core capital (leverage) ratio | 9.7592% | 3,445 |
| Tier 1 risk-based capital ratio | 12.6437% | 4,607 |
| Total risk-based capital ratio | 13.8982% | 4,570 |
| Memoranda: | ||
| Average total assets | $144,705,000 | 4,117 |
| Average earning assets | $133,953,000 | 4,076 |
| Average equity | $17,581,000 | 3,553 |
| Average total loans | $112,260,000 | 3,638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9061% | 2,205 |
| Cost of funding earning assets | 1.4563% | 5,692 |
| Net interest margin | 4.4498% | 1,298 |
| Noninterest income to average assets | 0.7008% | 2,972 |
| Noninterest expense to average assets | 2.3556% | 6,588 |
| Loan and lease loss provision to assets | 0.8500% | 2,612 |
| Net operating income to assets | 1.6138% | 529 |
| Return on assets (ROA) | 1.6138% | 562 |
| Pretax return on assets | 1.6138% | 933 |
| Return on Equity (ROE) | 13.7661% | 825 |
| Retained earnings to average equity (ytd only) | 5.6524% | 1,498 |
| Net charge-offs to loans | 1.2695% | 1,949 |
| Credit loss provision to net charge-offs | 86.2886% | 6,123 |
| Earnings coverage of net charge-offs (x) | 2.5011% | 3,873 |
| Efficiency ratio | 47.3955% | 7,653 |
| Assets per employee ($millions) | 5.3933% | 1,747 |
| Cash dividends to net income (ytd only)* | 58.9395% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 4,836 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.7566% | 1,237 |
| Net loans and leases to deposits | 98.1139% | 1,090 |
| Net loans and leases to core deposits | 117.4410% | 2,181 |
| Total domestic deposits to total assets | 80.2706% | 5,594 |
| Equity capital to assets | 12.3072% | 1,853 |
| Core capital (leverage) ratio | 9.6832% | 3,483 |
| Tier 1 risk-based capital ratio | 12.0302% | 4,923 |
| Total risk-based capital ratio | 13.2818% | 4,876 |
| Memoranda: | ||
| Average total assets | $141,406,000 | 4,091 |
| Average earning assets | $130,881,000 | 4,068 |
| Average equity | $16,577,000 | 3,764 |
| Average total loans | $109,728,400 | 3,701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8580% | 2,637 |
| Cost of funding earning assets | 1.5678% | 5,555 |
| Net interest margin | 4.2901% | 1,759 |
| Noninterest income to average assets | 0.6878% | 3,107 |
| Noninterest expense to average assets | 2.2780% | 6,760 |
| Loan and lease loss provision to assets | 0.8468% | 2,262 |
| Net operating income to assets | 1.5384% | 747 |
| Return on assets (ROA) | 1.5384% | 803 |
| Pretax return on assets | 1.5384% | 1,305 |
| Return on Equity (ROE) | 13.2869% | 1,047 |
| Retained earnings to average equity (ytd only) | 3.9820% | 3,054 |
| Net charge-offs to loans | 1.0222% | 1,931 |
| Credit loss provision to net charge-offs | 107.5269% | 4,725 |
| Earnings coverage of net charge-offs (x) | 3.0287% | 3,716 |
| Efficiency ratio | 47.3164% | 7,701 |
| Assets per employee ($millions) | 5.2001% | 1,892 |
| Cash dividends to net income (ytd only)* | 70.0305% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 2,774 |
| Loan loss allowance to noncurrent loans | 857.7670% | 414 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 4,526 |
| Noncurrent loans to loans | 0.1933% | 7,015 |
| Net loans and leases to total assets | 74.6280% | 2,329 |
| Net loans and leases to deposits | 89.9222% | 2,599 |
| Net loans and leases to core deposits | 109.0028% | 3,345 |
| Total domestic deposits to total assets | 82.9918% | 4,224 |
| Equity capital to assets | 11.9983% | 2,239 |
| Core capital (leverage) ratio | 9.2389% | 4,280 |
| Tier 1 risk-based capital ratio | 12.0963% | 4,879 |
| Total risk-based capital ratio | 13.3520% | 4,825 |
| Memoranda: | ||
| Average total assets | $141,700,750 | 4,103 |
| Average earning assets | $131,305,250 | 4,081 |
| Average equity | $16,406,750 | 3,833 |
| Average total loans | $109,172,750 | 3,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 2,858 |
| Cost of funding earning assets | 1.6297% | 5,614 |
| Net interest margin | 4.2082% | 1,966 |
| Noninterest income to average assets | 0.6782% | 3,128 |
| Noninterest expense to average assets | 2.2387% | 6,953 |
| Loan and lease loss provision to assets | 0.8443% | 1,985 |
| Net operating income to assets | 1.4831% | 866 |
| Return on assets (ROA) | 1.4831% | 928 |
| Pretax return on assets | 1.4831% | 1,491 |
| Return on Equity (ROE) | 12.9641% | 1,188 |
| Retained earnings to average equity (ytd only) | 3.1857% | 3,542 |
| Net charge-offs to loans | 1.4812% | 1,280 |
| Credit loss provision to net charge-offs | 73.6196% | 5,350 |
| Earnings coverage of net charge-offs (x) | 2.0294% | 4,072 |
| Efficiency ratio | 47.4576% | 7,780 |
| Assets per employee ($millions) | 5.7419% | 1,388 |
| Cash dividends to net income (ytd only)* | 75.4269% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 3,922 |
| Loan loss allowance to noncurrent loans | 1,584.0426% | 243 |
| Noncurrent assets plus other real estate owned to assets | 1.4375% | 4,093 |
| Noncurrent loans to loans | 0.0860% | 7,309 |
| Net loans and leases to total assets | 72.1935% | 3,163 |
| Net loans and leases to deposits | 85.6801% | 3,604 |
| Net loans and leases to core deposits | 96.5458% | 4,838 |
| Total domestic deposits to total assets | 84.2594% | 3,622 |
| Equity capital to assets | 11.0222% | 2,904 |
| Core capital (leverage) ratio | 9.1366% | 4,409 |
| Tier 1 risk-based capital ratio | 11.6113% | 5,275 |
| Total risk-based capital ratio | 12.8631% | 5,210 |
| Memoranda: | ||
| Average total assets | $142,133,330 | 4,138 |
| Average earning assets | $131,315,670 | 4,114 |
| Average equity | $16,260,330 | 3,870 |
| Average total loans | $110,048,000 | 3,766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9390% | 2,608 |
| Cost of funding earning assets | 1.7804% | 5,207 |
| Net interest margin | 4.1586% | 2,056 |
| Noninterest income to average assets | 0.6813% | 2,996 |
| Noninterest expense to average assets | 2.1594% | 6,980 |
| Loan and lease loss provision to assets | 0.8661% | 1,515 |
| Net operating income to assets | 1.4723% | 992 |
| Return on assets (ROA) | 1.4723% | 1,068 |
| Pretax return on assets | 1.4723% | 1,748 |
| Return on Equity (ROE) | 12.6214% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.9597% | 3,695 |
| Net charge-offs to loans | 1.0830% | 1,255 |
| Credit loss provision to net charge-offs | 100.3344% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.7090% | 3,405 |
| Efficiency ratio | 46.4056% | 7,828 |
| Assets per employee ($millions) | 5.3236% | 1,723 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 2,813 |
| Loan loss allowance to noncurrent loans | 130.8282% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.8597% | 3,130 |
| Noncurrent loans to loans | 1.1697% | 4,647 |
| Net loans and leases to total assets | 79.3097% | 1,515 |
| Net loans and leases to deposits | 95.2759% | 2,072 |
| Net loans and leases to core deposits | 105.3129% | 3,990 |
| Total domestic deposits to total assets | 83.2422% | 4,022 |
| Equity capital to assets | 11.7894% | 2,391 |
| Core capital (leverage) ratio | 9.0309% | 4,654 |
| Tier 1 risk-based capital ratio | 11.2367% | 5,660 |
| Total risk-based capital ratio | 12.4908% | 5,567 |
| Memoranda: | ||
| Average total assets | $138,555,500 | 4,217 |
| Average earning assets | $127,159,500 | 4,217 |
| Average equity | $16,163,000 | 3,911 |
| Average total loans | $110,439,000 | 3,779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8170% | 1,619 |
| Cost of funding earning assets | 2.2442% | 5,397 |
| Net interest margin | 4.5728% | 1,243 |
| Noninterest income to average assets | 0.6780% | 3,269 |
| Noninterest expense to average assets | 2.2907% | 6,730 |
| Loan and lease loss provision to assets | 1.0763% | 1,349 |
| Net operating income to assets | 1.4639% | 1,092 |
| Return on assets (ROA) | 1.4639% | 1,055 |
| Pretax return on assets | 1.4639% | 1,782 |
| Return on Equity (ROE) | 12.7328% | 1,399 |
| Retained earnings to average equity (ytd only) | -6.0523% | 6,669 |
| Net charge-offs to loans | 1.0386% | 1,185 |
| Credit loss provision to net charge-offs | 126.4706% | 4,226 |
| Earnings coverage of net charge-offs (x) | 2.9849% | 4,594 |
| Efficiency ratio | 45.9215% | 7,934 |
| Assets per employee ($millions) | 5.1370% | 1,793 |
| Cash dividends to net income (ytd only)* | 147.5330% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 2,416 |
| Loan loss allowance to noncurrent loans | 105.7728% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 2.3223% | 2,095 |
| Noncurrent loans to loans | 1.4726% | 3,591 |
| Net loans and leases to total assets | 77.6457% | 2,228 |
| Net loans and leases to deposits | 92.7149% | 3,011 |
| Net loans and leases to core deposits | 101.6509% | 4,654 |
| Total domestic deposits to total assets | 83.7467% | 3,461 |
| Equity capital to assets | 11.5416% | 2,609 |
| Core capital (leverage) ratio | 8.7957% | 5,040 |
| Tier 1 risk-based capital ratio | 11.0452% | 5,685 |
| Total risk-based capital ratio | 12.2985% | 5,570 |
| Memoranda: | ||
| Average total assets | $139,827,800 | 4,083 |
| Average earning assets | $126,991,400 | 4,107 |
| Average equity | $16,076,600 | 3,914 |
| Average total loans | $114,582,600 | 3,574 |