Home > Wallis Bank > Performance and Condition Ratios
Wallis 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 | 8.7647% | 96 |
| Cost of funding earning assets | 2.1038% | 777 |
| Net interest margin | 6.6609% | 71 |
| Noninterest income to average assets | 1.1400% | 523 |
| Noninterest expense to average assets | 3.1292% | 915 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 3.9668% | 100 |
| Return on assets (ROA) | 3.9654% | 103 |
| Pretax return on assets | 3.9654% | 118 |
| Return on Equity (ROE) | 38.0600% | 97 |
| Retained earnings to average equity (ytd only) | 7.0900% | 1,869 |
| Net charge-offs to loans | -0.0070% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.6805% | 4,258 |
| Assets per employee ($millions) | 5.5250% | 3,227 |
| Cash dividends to net income (ytd only)* | 81.3700% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 3,916 |
| Loan loss allowance to noncurrent loans | 283.4300% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 886 |
| Noncurrent loans to loans | 0.2897% | 2,138 |
| Net loans and leases to total assets | 77.6900% | 893 |
| Net loans and leases to deposits | 91.5793% | 1,132 |
| Net loans and leases to core deposits | 122.3669% | 557 |
| Total domestic deposits to total assets | 84.8300% | 2,360 |
| Equity capital to assets | 10.2760% | 1,857 |
| Core capital (leverage) ratio | 10.4668% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6219% | 2,374 |
| Memoranda: | ||
| Average total assets | $1,156,008,800 | 878 |
| Average earning assets | $1,045,239,400 | 884 |
| Average equity | $120,451,400 | 822 |
| Average total loans | $926,687,400 | 773 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6929% | 91 |
| Cost of funding earning assets | 1.8949% | 867 |
| Net interest margin | 6.7980% | 60 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 3.1313% | 893 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 4.0942% | 109 |
| Return on assets (ROA) | 4.0910% | 109 |
| Pretax return on assets | 4.0910% | 130 |
| Return on Equity (ROE) | 39.1200% | 122 |
| Retained earnings to average equity (ytd only) | 7.8364% | 2,027 |
| Net charge-offs to loans | -0.0125% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.6134% | 4,291 |
| Assets per employee ($millions) | 5.4839% | 3,191 |
| Cash dividends to net income (ytd only)* | 79.9680% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 3,897 |
| Loan loss allowance to noncurrent loans | 56,664.2857% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,421 |
| Noncurrent loans to loans | 0.0015% | 3,816 |
| Net loans and leases to total assets | 79.7900% | 674 |
| Net loans and leases to deposits | 96.5286% | 719 |
| Net loans and leases to core deposits | 126.0634% | 417 |
| Total domestic deposits to total assets | 82.6600% | 3,077 |
| Equity capital to assets | 10.4849% | 1,560 |
| Core capital (leverage) ratio | 10.7342% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5536% | 2,432 |
| Memoranda: | ||
| Average total assets | $1,141,134,000 | 890 |
| Average earning assets | $1,031,652,000 | 895 |
| Average equity | $119,338,000 | 823 |
| Average total loans | $920,330,500 | 781 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5270% | 92 |
| Cost of funding earning assets | 1.7403% | 829 |
| Net interest margin | 6.7867% | 59 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 3.0618% | 953 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 4.0243% | 99 |
| Return on assets (ROA) | 4.0243% | 100 |
| Pretax return on assets | 4.0243% | 114 |
| Return on Equity (ROE) | 38.5200% | 116 |
| Retained earnings to average equity (ytd only) | 7.1870% | 2,228 |
| Net charge-offs to loans | 0.0327% | 1,241 |
| Credit loss provision to net charge-offs | 704.6980% | 519 |
| Earnings coverage of net charge-offs (x) | 159.6913% | 719 |
| Efficiency ratio | 42.1042% | 4,334 |
| Assets per employee ($millions) | 5.6304% | 3,036 |
| Cash dividends to net income (ytd only)* | 81.3401% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 3,938 |
| Loan loss allowance to noncurrent loans | 1,850.4808% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 1,169 |
| Noncurrent loans to loans | 0.0451% | 3,395 |
| Net loans and leases to total assets | 78.0300% | 829 |
| Net loans and leases to deposits | 94.0406% | 862 |
| Net loans and leases to core deposits | 121.9166% | 474 |
| Total domestic deposits to total assets | 82.9700% | 3,057 |
| Equity capital to assets | 10.2855% | 1,696 |
| Core capital (leverage) ratio | 10.4657% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5066% | 2,459 |
| Memoranda: | ||
| Average total assets | $1,130,325,333 | 885 |
| Average earning assets | $1,020,875,000 | 892 |
| Average equity | $118,101,667 | 825 |
| Average total loans | $912,319,000 | 774 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2999% | 53 |
| Cost of funding earning assets | 1.4938% | 859 |
| Net interest margin | 6.8061% | 57 |
| Noninterest income to average assets | 1.1700% | 458 |
| Noninterest expense to average assets | 3.1941% | 807 |
| Loan and lease loss provision to assets | 0.3800% | 213 |
| Net operating income to assets | 3.7570% | 108 |
| Return on assets (ROA) | 3.7620% | 108 |
| Pretax return on assets | 3.7620% | 118 |
| Return on Equity (ROE) | 35.7100% | 150 |
| Retained earnings to average equity (ytd only) | 6.6333% | 2,609 |
| Net charge-offs to loans | 0.0093% | 1,596 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 546.4286% | 211 |
| Efficiency ratio | 43.5785% | 4,320 |
| Assets per employee ($millions) | 5.8768% | 2,873 |
| Cash dividends to net income (ytd only)* | 81.4254% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 3,994 |
| Loan loss allowance to noncurrent loans | 1,232.4409% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,237 |
| Noncurrent loans to loans | 0.0688% | 3,239 |
| Net loans and leases to total assets | 79.0300% | 637 |
| Net loans and leases to deposits | 95.1478% | 709 |
| Net loans and leases to core deposits | 118.9859% | 464 |
| Total domestic deposits to total assets | 83.0600% | 3,285 |
| Equity capital to assets | 10.2181% | 1,714 |
| Core capital (leverage) ratio | 10.5316% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5745% | 2,544 |
| Memoranda: | ||
| Average total assets | $1,109,931,500 | 918 |
| Average earning assets | $1,004,449,500 | 918 |
| Average equity | $116,925,000 | 843 |
| Average total loans | $907,730,000 | 788 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0773% | 89 |
| Cost of funding earning assets | 0.4987% | 1,401 |
| Net interest margin | 5.5786% | 74 |
| Noninterest income to average assets | 1.2900% | 413 |
| Noninterest expense to average assets | 2.8552% | 1,214 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 3.4725% | 89 |
| Return on assets (ROA) | 3.4568% | 88 |
| Pretax return on assets | 3.4568% | 101 |
| Return on Equity (ROE) | 33.3900% | 83 |
| Retained earnings to average equity (ytd only) | 5.5399% | 2,815 |
| Net charge-offs to loans | -0.0073% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.8920% | 4,396 |
| Assets per employee ($millions) | 5.5902% | 3,133 |
| Cash dividends to net income (ytd only)* | 83.4086% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 3,925 |
| Loan loss allowance to noncurrent loans | 1,361.0413% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,279 |
| Noncurrent loans to loans | 0.0624% | 3,304 |
| Net loans and leases to total assets | 83.3300% | 305 |
| Net loans and leases to deposits | 98.3256% | 506 |
| Net loans and leases to core deposits | 115.5257% | 453 |
| Total domestic deposits to total assets | 84.7500% | 3,051 |
| Equity capital to assets | 10.8792% | 1,310 |
| Core capital (leverage) ratio | 10.6415% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6152% | 2,525 |
| Memoranda: | ||
| Average total assets | $1,089,040,400 | 910 |
| Average earning assets | $989,758,400 | 918 |
| Average equity | $112,745,600 | 864 |
| Average total loans | $853,586,000 | 783 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5594% | 107 |
| Cost of funding earning assets | 0.3711% | 1,517 |
| Net interest margin | 5.1883% | 98 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 2.8879% | 1,078 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 3.1939% | 101 |
| Return on assets (ROA) | 3.1729% | 98 |
| Pretax return on assets | 3.1729% | 121 |
| Return on Equity (ROE) | 31.0300% | 91 |
| Retained earnings to average equity (ytd only) | 5.4453% | 2,939 |
| Net charge-offs to loans | -0.0139% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.1511% | 4,323 |
| Assets per employee ($millions) | 5.3602% | 3,361 |
| Cash dividends to net income (ytd only)* | 82.4513% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 3,804 |
| Loan loss allowance to noncurrent loans | 2,148.8701% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,580 |
| Noncurrent loans to loans | 0.0427% | 3,583 |
| Net loans and leases to total assets | 78.2000% | 687 |
| Net loans and leases to deposits | 90.2336% | 880 |
| Net loans and leases to core deposits | 103.2579% | 686 |
| Total domestic deposits to total assets | 86.6600% | 2,866 |
| Equity capital to assets | 10.8422% | 1,232 |
| Core capital (leverage) ratio | 10.1848% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3053% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,095,767,000 | 908 |
| Average earning assets | $998,188,000 | 916 |
| Average equity | $112,044,000 | 883 |
| Average total loans | $843,810,750 | 789 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 139 |
| Cost of funding earning assets | 0.2864% | 1,838 |
| Net interest margin | 4.8498% | 120 |
| Noninterest income to average assets | 1.5093% | 335 |
| Noninterest expense to average assets | 2.7941% | 1,188 |
| Loan and lease loss provision to assets | 0.0636% | 1,460 |
| Net operating income to assets | 3.0783% | 67 |
| Return on assets (ROA) | 3.0644% | 63 |
| Pretax return on assets | 3.0644% | 88 |
| Return on Equity (ROE) | 30.5504% | 52 |
| Retained earnings to average equity (ytd only) | 4.5233% | 2,874 |
| Net charge-offs to loans | -0.0177% | 3,816 |
| Credit loss provision to net charge-offs | -470.6667% | 3,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0715% | 4,394 |
| Assets per employee ($millions) | 5.9190% | 2,820 |
| Cash dividends to net income (ytd only)* | 85.1939% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 3,960 |
| Loan loss allowance to noncurrent loans | 7,670.7071% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 1,899 |
| Noncurrent loans to loans | 0.0117% | 3,892 |
| Net loans and leases to total assets | 76.2509% | 702 |
| Net loans and leases to deposits | 87.0979% | 901 |
| Net loans and leases to core deposits | 95.6755% | 842 |
| Total domestic deposits to total assets | 87.5462% | 2,748 |
| Equity capital to assets | 10.1774% | 1,607 |
| Core capital (leverage) ratio | 9.7801% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0311% | 2,484 |
| Memoranda: | ||
| Average total assets | $1,110,821,000 | 899 |
| Average earning assets | $1,013,903,333 | 904 |
| Average equity | $111,422,333 | 895 |
| Average total loans | $848,703,667 | 770 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 133 |
| Cost of funding earning assets | 0.2526% | 2,126 |
| Net interest margin | 4.8460% | 113 |
| Noninterest income to average assets | 2.1453% | 216 |
| Noninterest expense to average assets | 2.8730% | 1,010 |
| Loan and lease loss provision to assets | 0.1266% | 654 |
| Net operating income to assets | 3.5814% | 58 |
| Return on assets (ROA) | 3.5649% | 57 |
| Pretax return on assets | 3.5649% | 75 |
| Return on Equity (ROE) | 35.7988% | 40 |
| Retained earnings to average equity (ytd only) | 6.9985% | 1,893 |
| Net charge-offs to loans | 0.0052% | 1,572 |
| Credit loss provision to net charge-offs | 3,209.0909% | 130 |
| Earnings coverage of net charge-offs (x) | 940.2727% | 93 |
| Efficiency ratio | 43.6564% | 4,565 |
| Assets per employee ($millions) | 6.1900% | 2,641 |
| Cash dividends to net income (ytd only)* | 80.4505% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,032 |
| Loan loss allowance to noncurrent loans | 7,740.2062% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 2,020 |
| Noncurrent loans to loans | 0.0117% | 3,934 |
| Net loans and leases to total assets | 73.4377% | 704 |
| Net loans and leases to deposits | 83.6527% | 904 |
| Net loans and leases to core deposits | 90.6619% | 892 |
| Total domestic deposits to total assets | 87.7889% | 2,627 |
| Equity capital to assets | 9.9899% | 1,897 |
| Core capital (leverage) ratio | 9.7663% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5456% | 2,399 |
| Memoranda: | ||
| Average total assets | $1,115,762,500 | 900 |
| Average earning assets | $1,021,305,000 | 908 |
| Average equity | $111,110,000 | 922 |
| Average total loans | $849,521,000 | 764 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 203 |
| Cost of funding earning assets | 0.2979% | 2,425 |
| Net interest margin | 4.8631% | 164 |
| Noninterest income to average assets | 2.3244% | 251 |
| Noninterest expense to average assets | 2.5691% | 1,958 |
| Loan and lease loss provision to assets | 0.1117% | 1,128 |
| Net operating income to assets | 4.1411% | 58 |
| Return on assets (ROA) | 4.1411% | 59 |
| Pretax return on assets | 4.1411% | 76 |
| Return on Equity (ROE) | 47.0945% | 20 |
| Retained earnings to average equity (ytd only) | 14.0070% | 302 |
| Net charge-offs to loans | 0.0529% | 1,270 |
| Credit loss provision to net charge-offs | 252.8626% | 1,162 |
| Earnings coverage of net charge-offs (x) | 96.2405% | 901 |
| Efficiency ratio | 37.6599% | 4,730 |
| Assets per employee ($millions) | 6.3859% | 2,419 |
| Cash dividends to net income (ytd only)* | 70.2576% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 4,223 |
| Loan loss allowance to noncurrent loans | 169.0892% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 1,702 |
| Noncurrent loans to loans | 0.4878% | 1,907 |
| Net loans and leases to total assets | 77.5404% | 409 |
| Net loans and leases to deposits | 88.1900% | 641 |
| Net loans and leases to core deposits | 95.3380% | 719 |
| Total domestic deposits to total assets | 87.9243% | 2,087 |
| Equity capital to assets | 9.9263% | 2,731 |
| Core capital (leverage) ratio | 9.4542% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5953% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,185,803,400 | 835 |
| Average earning assets | $1,096,661,600 | 841 |
| Average equity | $104,269,000 | 979 |
| Average total loans | $990,035,000 | 662 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 235 |
| Cost of funding earning assets | 0.3089% | 2,508 |
| Net interest margin | 4.8544% | 184 |
| Noninterest income to average assets | 2.2477% | 282 |
| Noninterest expense to average assets | 2.5059% | 2,101 |
| Loan and lease loss provision to assets | 0.1356% | 841 |
| Net operating income to assets | 4.1049% | 62 |
| Return on assets (ROA) | 4.1049% | 62 |
| Pretax return on assets | 4.1049% | 82 |
| Return on Equity (ROE) | 48.1136% | 20 |
| Retained earnings to average equity (ytd only) | 18.0126% | 197 |
| Net charge-offs to loans | 0.0597% | 1,042 |
| Credit loss provision to net charge-offs | 268.0525% | 1,057 |
| Earnings coverage of net charge-offs (x) | 83.8249% | 952 |
| Efficiency ratio | 37.1444% | 4,792 |
| Assets per employee ($millions) | 6.1390% | 2,556 |
| Cash dividends to net income (ytd only)* | 62.5624% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,359 |
| Loan loss allowance to noncurrent loans | 3,213.0631% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 3,166 |
| Noncurrent loans to loans | 0.0247% | 4,019 |
| Net loans and leases to total assets | 79.9026% | 297 |
| Net loans and leases to deposits | 91.1636% | 539 |
| Net loans and leases to core deposits | 98.2997% | 648 |
| Total domestic deposits to total assets | 87.6476% | 2,033 |
| Equity capital to assets | 9.8102% | 3,094 |
| Core capital (leverage) ratio | 9.2635% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8110% | 2,423 |
| Memoranda: | ||
| Average total assets | $1,204,469,750 | 831 |
| Average earning assets | $1,116,248,750 | 831 |
| Average equity | $102,762,500 | 1,009 |
| Average total loans | $1,020,357,000 | 658 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 357 |
| Cost of funding earning assets | 0.3243% | 2,552 |
| Net interest margin | 4.6444% | 292 |
| Noninterest income to average assets | 2.1182% | 303 |
| Noninterest expense to average assets | 2.3909% | 2,492 |
| Loan and lease loss provision to assets | 0.1743% | 661 |
| Net operating income to assets | 3.8678% | 73 |
| Return on assets (ROA) | 3.8678% | 74 |
| Pretax return on assets | 3.8678% | 94 |
| Return on Equity (ROE) | 47.4819% | 28 |
| Retained earnings to average equity (ytd only) | 21.6062% | 119 |
| Net charge-offs to loans | 0.0813% | 861 |
| Credit loss provision to net charge-offs | 249.4200% | 967 |
| Earnings coverage of net charge-offs (x) | 57.8422% | 986 |
| Efficiency ratio | 37.1660% | 4,811 |
| Assets per employee ($millions) | 6.9308% | 1,861 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6810% | 4,564 |
| Loan loss allowance to noncurrent loans | 2,944.9580% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 4,153 |
| Noncurrent loans to loans | 0.0231% | 4,108 |
| Net loans and leases to total assets | 83.3245% | 159 |
| Net loans and leases to deposits | 100.3171% | 245 |
| Net loans and leases to core deposits | 107.6242% | 423 |
| Total domestic deposits to total assets | 83.0611% | 3,694 |
| Equity capital to assets | 8.6882% | 4,059 |
| Core capital (leverage) ratio | 9.1346% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3880% | 2,583 |
| Memoranda: | ||
| Average total assets | $1,233,526,000 | 809 |
| Average earning assets | $1,145,979,000 | 809 |
| Average equity | $100,480,333 | 1,022 |
| Average total loans | $1,060,514,000 | 636 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 508 |
| Cost of funding earning assets | 0.3477% | 2,539 |
| Net interest margin | 4.4252% | 407 |
| Noninterest income to average assets | 1.3682% | 698 |
| Noninterest expense to average assets | 2.4212% | 2,429 |
| Loan and lease loss provision to assets | 0.1213% | 1,130 |
| Net operating income to assets | 2.9460% | 161 |
| Return on assets (ROA) | 2.9460% | 178 |
| Pretax return on assets | 2.9460% | 244 |
| Return on Equity (ROE) | 37.4014% | 78 |
| Retained earnings to average equity (ytd only) | 13.5893% | 800 |
| Net charge-offs to loans | 0.0487% | 1,008 |
| Credit loss provision to net charge-offs | 286.2595% | 779 |
| Earnings coverage of net charge-offs (x) | 72.4046% | 745 |
| Efficiency ratio | 44.1138% | 4,572 |
| Assets per employee ($millions) | 7.5393% | 1,430 |
| Cash dividends to net income (ytd only)* | 63.6663% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5802% | 4,705 |
| Loan loss allowance to noncurrent loans | 2,686.5854% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,240 |
| Noncurrent loans to loans | 0.0216% | 4,177 |
| Net loans and leases to total assets | 86.3252% | 82 |
| Net loans and leases to deposits | 118.8230% | 75 |
| Net loans and leases to core deposits | 128.4347% | 160 |
| Total domestic deposits to total assets | 72.6503% | 4,707 |
| Equity capital to assets | 7.5500% | 4,692 |
| Core capital (leverage) ratio | 9.4597% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7189% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,236,917,500 | 800 |
| Average earning assets | $1,151,686,000 | 797 |
| Average equity | $97,429,500 | 1,032 |
| Average total loans | $1,076,178,000 | 627 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 499 |
| Cost of funding earning assets | 0.6442% | 2,035 |
| Net interest margin | 4.3479% | 460 |
| Noninterest income to average assets | 1.7099% | 429 |
| Noninterest expense to average assets | 2.8362% | 1,846 |
| Loan and lease loss provision to assets | 0.3947% | 806 |
| Net operating income to assets | 2.4792% | 138 |
| Return on assets (ROA) | 2.4792% | 143 |
| Pretax return on assets | 2.4792% | 193 |
| Return on Equity (ROE) | 26.9393% | 87 |
| Retained earnings to average equity (ytd only) | 4.6630% | 2,442 |
| Net charge-offs to loans | 0.3931% | 441 |
| Credit loss provision to net charge-offs | 122.4270% | 2,615 |
| Earnings coverage of net charge-offs (x) | 8.9149% | 2,561 |
| Efficiency ratio | 49.6696% | 4,553 |
| Assets per employee ($millions) | 6.7168% | 1,772 |
| Cash dividends to net income (ytd only)* | 82.6908% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 4,686 |
| Loan loss allowance to noncurrent loans | 1,312.3711% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 4,141 |
| Noncurrent loans to loans | 0.0479% | 4,106 |
| Net loans and leases to total assets | 86.6556% | 79 |
| Net loans and leases to deposits | 115.9195% | 104 |
| Net loans and leases to core deposits | 125.7891% | 245 |
| Total domestic deposits to total assets | 74.7549% | 4,589 |
| Equity capital to assets | 8.2457% | 4,603 |
| Core capital (leverage) ratio | 9.7700% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9139% | 2,664 |
| Memoranda: | ||
| Average total assets | $1,009,701,200 | 877 |
| Average earning assets | $928,945,000 | 879 |
| Average equity | $92,923,800 | 1,031 |
| Average total loans | $827,988,200 | 762 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 618 |
| Cost of funding earning assets | 0.7182% | 1,917 |
| Net interest margin | 4.2694% | 628 |
| Noninterest income to average assets | 1.2076% | 738 |
| Noninterest expense to average assets | 2.9859% | 1,472 |
| Loan and lease loss provision to assets | 0.5056% | 573 |
| Net operating income to assets | 1.6367% | 669 |
| Return on assets (ROA) | 1.6367% | 737 |
| Pretax return on assets | 1.6367% | 1,091 |
| Return on Equity (ROE) | 17.2474% | 421 |
| Retained earnings to average equity (ytd only) | 2.9312% | 3,551 |
| Net charge-offs to loans | 0.5629% | 267 |
| Credit loss provision to net charge-offs | 111.6667% | 2,537 |
| Earnings coverage of net charge-offs (x) | 4.7309% | 2,792 |
| Efficiency ratio | 58.2243% | 3,635 |
| Assets per employee ($millions) | 6.8240% | 1,608 |
| Cash dividends to net income (ytd only)* | 83.0049% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5984% | 4,726 |
| Loan loss allowance to noncurrent loans | 1,218.6235% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 2,942 |
| Noncurrent loans to loans | 0.0491% | 4,181 |
| Net loans and leases to total assets | 86.7129% | 122 |
| Net loans and leases to deposits | 119.7234% | 115 |
| Net loans and leases to core deposits | 132.4401% | 215 |
| Total domestic deposits to total assets | 72.4277% | 4,673 |
| Equity capital to assets | 8.1072% | 4,677 |
| Core capital (leverage) ratio | 9.7750% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2382% | 2,085 |
| Memoranda: | ||
| Average total assets | $971,625,250 | 886 |
| Average earning assets | $892,245,750 | 897 |
| Average equity | $92,200,750 | 1,024 |
| Average total loans | $781,658,500 | 795 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 751 |
| Cost of funding earning assets | 0.8296% | 1,682 |
| Net interest margin | 4.2267% | 860 |
| Noninterest income to average assets | 1.1046% | 813 |
| Noninterest expense to average assets | 3.1119% | 1,330 |
| Loan and lease loss provision to assets | 0.7266% | 371 |
| Net operating income to assets | 1.1312% | 1,875 |
| Return on assets (ROA) | 1.1312% | 1,990 |
| Pretax return on assets | 1.1312% | 2,611 |
| Return on Equity (ROE) | 11.2304% | 1,562 |
| Retained earnings to average equity (ytd only) | 2.7308% | 3,488 |
| Net charge-offs to loans | 0.9099% | 166 |
| Credit loss provision to net charge-offs | 102.9229% | 2,377 |
| Earnings coverage of net charge-offs (x) | 2.6315% | 2,750 |
| Efficiency ratio | 62.6176% | 3,022 |
| Assets per employee ($millions) | 6.5775% | 1,724 |
| Cash dividends to net income (ytd only)* | 75.6841% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 4,739 |
| Loan loss allowance to noncurrent loans | 900.7862% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 2,983 |
| Noncurrent loans to loans | 0.0667% | 4,204 |
| Net loans and leases to total assets | 86.2513% | 126 |
| Net loans and leases to deposits | 115.1029% | 143 |
| Net loans and leases to core deposits | 130.6197% | 250 |
| Total domestic deposits to total assets | 74.9341% | 4,526 |
| Equity capital to assets | 8.4406% | 4,511 |
| Core capital (leverage) ratio | 9.9495% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5253% | 1,990 |
| Memoranda: | ||
| Average total assets | $911,081,667 | 932 |
| Average earning assets | $833,140,000 | 933 |
| Average equity | $91,768,667 | 1,018 |
| Average total loans | $706,864,000 | 851 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 513 |
| Cost of funding earning assets | 1.0312% | 1,293 |
| Net interest margin | 4.3062% | 750 |
| Noninterest income to average assets | 1.6672% | 328 |
| Noninterest expense to average assets | 3.1407% | 1,544 |
| Loan and lease loss provision to assets | 0.5187% | 561 |
| Net operating income to assets | 1.9090% | 331 |
| Return on assets (ROA) | 1.9090% | 360 |
| Pretax return on assets | 1.9090% | 561 |
| Return on Equity (ROE) | 17.0918% | 328 |
| Retained earnings to average equity (ytd only) | 0.0044% | 3,987 |
| Net charge-offs to loans | 0.8401% | 175 |
| Credit loss provision to net charge-offs | 86.4600% | 1,907 |
| Earnings coverage of net charge-offs (x) | 4.0465% | 2,162 |
| Efficiency ratio | 56.4021% | 4,170 |
| Assets per employee ($millions) | 4.9300% | 2,717 |
| Cash dividends to net income (ytd only)* | 99.9744% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 4,016 |
| Loan loss allowance to noncurrent loans | 135.3713% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 1,759 |
| Noncurrent loans to loans | 0.6849% | 2,283 |
| Net loans and leases to total assets | 69.7256% | 2,291 |
| Net loans and leases to deposits | 82.5663% | 2,377 |
| Net loans and leases to core deposits | 97.7953% | 1,650 |
| Total domestic deposits to total assets | 84.4481% | 2,616 |
| Equity capital to assets | 10.8926% | 2,953 |
| Core capital (leverage) ratio | 11.4831% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2382% | 2,183 |
| Memoranda: | ||
| Average total assets | $817,399,000 | 988 |
| Average earning assets | $740,516,000 | 999 |
| Average equity | $91,295,500 | 1,022 |
| Average total loans | $583,719,000 | 961 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4573% | 117 |
| Cost of funding earning assets | 1.1971% | 1,028 |
| Net interest margin | 5.2603% | 169 |
| Noninterest income to average assets | 1.2599% | 595 |
| Noninterest expense to average assets | 3.2189% | 1,477 |
| Loan and lease loss provision to assets | 0.0996% | 2,063 |
| Net operating income to assets | 2.6721% | 107 |
| Return on assets (ROA) | 2.6721% | 114 |
| Pretax return on assets | 2.6721% | 155 |
| Return on Equity (ROE) | 22.7402% | 124 |
| Retained earnings to average equity (ytd only) | 9.7490% | 542 |
| Net charge-offs to loans | 0.0821% | 1,944 |
| Credit loss provision to net charge-offs | 157.8947% | 1,628 |
| Earnings coverage of net charge-offs (x) | 43.9579% | 1,230 |
| Efficiency ratio | 53.7326% | 4,448 |
| Assets per employee ($millions) | 4.8877% | 2,723 |
| Cash dividends to net income (ytd only)* | 57.1287% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,628 |
| Loan loss allowance to noncurrent loans | 69.7056% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,228 |
| Noncurrent loans to loans | 1.3996% | 1,046 |
| Net loans and leases to total assets | 71.7918% | 2,122 |
| Net loans and leases to deposits | 84.4824% | 2,283 |
| Net loans and leases to core deposits | 100.1709% | 1,546 |
| Total domestic deposits to total assets | 84.9783% | 2,504 |
| Equity capital to assets | 11.4598% | 2,563 |
| Core capital (leverage) ratio | 11.3620% | 2,205 |
| Tier 1 risk-based capital ratio | 13.9716% | 3,287 |
| Total risk-based capital ratio | 14.8626% | 3,365 |
| Memoranda: | ||
| Average total assets | $753,331,600 | 1,024 |
| Average earning assets | $677,495,400 | 1,029 |
| Average equity | $88,521,600 | 998 |
| Average total loans | $578,832,200 | 939 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6599% | 92 |
| Cost of funding earning assets | 1.2045% | 1,028 |
| Net interest margin | 5.4554% | 130 |
| Noninterest income to average assets | 1.1421% | 700 |
| Noninterest expense to average assets | 3.2549% | 1,365 |
| Loan and lease loss provision to assets | 0.1077% | 1,802 |
| Net operating income to assets | 2.6812% | 124 |
| Return on assets (ROA) | 2.6812% | 131 |
| Pretax return on assets | 2.6812% | 176 |
| Return on Equity (ROE) | 22.6667% | 144 |
| Retained earnings to average equity (ytd only) | 12.7990% | 300 |
| Net charge-offs to loans | 0.0783% | 1,704 |
| Credit loss provision to net charge-offs | 176.4706% | 1,450 |
| Earnings coverage of net charge-offs (x) | 45.6796% | 1,257 |
| Efficiency ratio | 53.8551% | 4,412 |
| Assets per employee ($millions) | 4.8733% | 2,704 |
| Cash dividends to net income (ytd only)* | 43.5336% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,783 |
| Loan loss allowance to noncurrent loans | 143.9549% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 2,525 |
| Noncurrent loans to loans | 0.6665% | 2,289 |
| Net loans and leases to total assets | 74.4070% | 1,728 |
| Net loans and leases to deposits | 88.1268% | 1,913 |
| Net loans and leases to core deposits | 107.3368% | 1,097 |
| Total domestic deposits to total assets | 84.4317% | 2,655 |
| Equity capital to assets | 11.6811% | 2,526 |
| Core capital (leverage) ratio | 11.8125% | 1,989 |
| Tier 1 risk-based capital ratio | 13.8574% | 3,396 |
| Total risk-based capital ratio | 14.7384% | 3,487 |
| Memoranda: | ||
| Average total assets | $742,492,000 | 1,031 |
| Average earning assets | $667,139,750 | 1,041 |
| Average equity | $87,827,250 | 1,000 |
| Average total loans | $579,142,000 | 934 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7477% | 88 |
| Cost of funding earning assets | 1.1899% | 1,021 |
| Net interest margin | 5.5578% | 115 |
| Noninterest income to average assets | 1.2344% | 565 |
| Noninterest expense to average assets | 3.3481% | 1,199 |
| Loan and lease loss provision to assets | 0.1644% | 1,108 |
| Net operating income to assets | 2.7235% | 116 |
| Return on assets (ROA) | 2.7235% | 122 |
| Pretax return on assets | 2.7235% | 174 |
| Return on Equity (ROE) | 22.9229% | 140 |
| Retained earnings to average equity (ytd only) | 19.4644% | 66 |
| Net charge-offs to loans | 0.1061% | 1,336 |
| Credit loss provision to net charge-offs | 196.0784% | 1,234 |
| Earnings coverage of net charge-offs (x) | 34.4510% | 1,358 |
| Efficiency ratio | 53.6900% | 4,506 |
| Assets per employee ($millions) | 4.8269% | 2,704 |
| Cash dividends to net income (ytd only)* | 15.0875% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,708 |
| Loan loss allowance to noncurrent loans | 159.2228% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,644 |
| Noncurrent loans to loans | 0.6194% | 2,408 |
| Net loans and leases to total assets | 75.3791% | 1,649 |
| Net loans and leases to deposits | 89.7407% | 1,767 |
| Net loans and leases to core deposits | 108.2807% | 1,081 |
| Total domestic deposits to total assets | 83.9965% | 2,868 |
| Equity capital to assets | 12.0933% | 2,121 |
| Core capital (leverage) ratio | 12.0499% | 1,799 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,102 |
| Total risk-based capital ratio | 15.3466% | 3,186 |
| Memoranda: | ||
| Average total assets | $730,082,670 | 1,044 |
| Average earning assets | $657,022,330 | 1,055 |
| Average equity | $86,743,000 | 1,007 |
| Average total loans | $576,927,330 | 939 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7687% | 88 |
| Cost of funding earning assets | 1.1312% | 1,089 |
| Net interest margin | 5.6375% | 96 |
| Noninterest income to average assets | 0.8583% | 1,149 |
| Noninterest expense to average assets | 3.3035% | 1,280 |
| Loan and lease loss provision to assets | 0.2087% | 761 |
| Net operating income to assets | 2.4168% | 183 |
| Return on assets (ROA) | 2.4168% | 194 |
| Pretax return on assets | 2.4168% | 284 |
| Return on Equity (ROE) | 20.5336% | 238 |
| Retained earnings to average equity (ytd only) | 20.5336% | 95 |
| Net charge-offs to loans | 0.1272% | 987 |
| Credit loss provision to net charge-offs | 203.8043% | 1,040 |
| Earnings coverage of net charge-offs (x) | 25.6359% | 1,420 |
| Efficiency ratio | 55.7172% | 4,368 |
| Assets per employee ($millions) | 4.6327% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 3,932 |
| Loan loss allowance to noncurrent loans | 154.0233% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 2,615 |
| Noncurrent loans to loans | 0.6226% | 2,460 |
| Net loans and leases to total assets | 79.8371% | 862 |
| Net loans and leases to deposits | 99.2761% | 681 |
| Net loans and leases to core deposits | 118.7648% | 563 |
| Total domestic deposits to total assets | 80.4192% | 4,091 |
| Equity capital to assets | 12.0909% | 1,969 |
| Core capital (leverage) ratio | 12.0743% | 1,731 |
| Tier 1 risk-based capital ratio | 13.6886% | 3,502 |
| Total risk-based capital ratio | 14.5911% | 3,605 |
| Memoranda: | ||
| Average total assets | $718,627,500 | 1,053 |
| Average earning assets | $646,390,000 | 1,075 |
| Average equity | $84,583,500 | 1,020 |
| Average total loans | $578,764,500 | 942 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4734% | 89 |
| Cost of funding earning assets | 0.7925% | 1,561 |
| Net interest margin | 5.6809% | 92 |
| Noninterest income to average assets | 1.3437% | 503 |
| Noninterest expense to average assets | 3.2375% | 1,458 |
| Loan and lease loss provision to assets | 0.2542% | 670 |
| Net operating income to assets | 2.9127% | 88 |
| Return on assets (ROA) | 2.9127% | 87 |
| Pretax return on assets | 2.9127% | 104 |
| Return on Equity (ROE) | 26.9459% | 63 |
| Retained earnings to average equity (ytd only) | 26.9459% | 18 |
| Net charge-offs to loans | 0.1999% | 959 |
| Credit loss provision to net charge-offs | 160.2262% | 1,735 |
| Earnings coverage of net charge-offs (x) | 19.9632% | 2,027 |
| Efficiency ratio | 50.5521% | 4,905 |
| Assets per employee ($millions) | 4.8594% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,062 |
| Loan loss allowance to noncurrent loans | 107,200.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,935 |
| Noncurrent loans to loans | 0.0009% | 4,833 |
| Net loans and leases to total assets | 79.7197% | 981 |
| Net loans and leases to deposits | 100.7936% | 684 |
| Net loans and leases to core deposits | 121.9718% | 500 |
| Total domestic deposits to total assets | 79.0920% | 4,295 |
| Equity capital to assets | 11.4499% | 2,290 |
| Core capital (leverage) ratio | 11.7316% | 1,927 |
| Tier 1 risk-based capital ratio | 12.8541% | 3,934 |
| Total risk-based capital ratio | 13.7153% | 4,026 |
| Memoranda: | ||
| Average total assets | $668,841,000 | 1,091 |
| Average earning assets | $595,822,400 | 1,123 |
| Average equity | $72,296,600 | 1,125 |
| Average total loans | $530,831,400 | 984 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4290% | 94 |
| Cost of funding earning assets | 0.7337% | 1,660 |
| Net interest margin | 5.6953% | 90 |
| Noninterest income to average assets | 1.3706% | 508 |
| Noninterest expense to average assets | 3.2442% | 1,421 |
| Loan and lease loss provision to assets | 0.2336% | 691 |
| Net operating income to assets | 2.9518% | 83 |
| Return on assets (ROA) | 2.9518% | 83 |
| Pretax return on assets | 2.9518% | 120 |
| Return on Equity (ROE) | 27.7592% | 49 |
| Retained earnings to average equity (ytd only) | 27.7592% | 13 |
| Net charge-offs to loans | 0.1627% | 1,014 |
| Credit loss provision to net charge-offs | 181.6746% | 1,488 |
| Earnings coverage of net charge-offs (x) | 24.7693% | 1,799 |
| Efficiency ratio | 50.4566% | 4,919 |
| Assets per employee ($millions) | 4.7754% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,942 |
| Loan loss allowance to noncurrent loans | 550.2101% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,249 |
| Noncurrent loans to loans | 0.1762% | 4,102 |
| Net loans and leases to total assets | 78.3696% | 1,284 |
| Net loans and leases to deposits | 95.5056% | 1,209 |
| Net loans and leases to core deposits | 116.3358% | 701 |
| Total domestic deposits to total assets | 82.0576% | 3,593 |
| Equity capital to assets | 11.3360% | 2,367 |
| Core capital (leverage) ratio | 11.3297% | 2,308 |
| Tier 1 risk-based capital ratio | 12.7115% | 4,076 |
| Total risk-based capital ratio | 13.5977% | 4,179 |
| Memoranda: | ||
| Average total assets | $656,255,250 | 1,111 |
| Average earning assets | $582,949,250 | 1,150 |
| Average equity | $69,784,250 | 1,160 |
| Average total loans | $518,866,500 | 1,003 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2115% | 109 |
| Cost of funding earning assets | 0.6926% | 1,660 |
| Net interest margin | 5.5189% | 106 |
| Noninterest income to average assets | 1.3235% | 554 |
| Noninterest expense to average assets | 3.2380% | 1,456 |
| Loan and lease loss provision to assets | 0.2780% | 529 |
| Net operating income to assets | 2.6936% | 108 |
| Return on assets (ROA) | 2.6936% | 109 |
| Pretax return on assets | 2.6936% | 158 |
| Return on Equity (ROE) | 25.9333% | 69 |
| Retained earnings to average equity (ytd only) | 25.9333% | 19 |
| Net charge-offs to loans | 0.2685% | 596 |
| Credit loss provision to net charge-offs | 131.0044% | 1,713 |
| Earnings coverage of net charge-offs (x) | 14.0015% | 2,121 |
| Efficiency ratio | 52.1443% | 4,872 |
| Assets per employee ($millions) | 4.6981% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,165 |
| Loan loss allowance to noncurrent loans | 458.1244% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 3,545 |
| Noncurrent loans to loans | 0.2049% | 3,989 |
| Net loans and leases to total assets | 76.4270% | 1,571 |
| Net loans and leases to deposits | 90.4999% | 1,781 |
| Net loans and leases to core deposits | 108.0945% | 1,112 |
| Total domestic deposits to total assets | 84.4497% | 2,897 |
| Equity capital to assets | 10.5105% | 3,105 |
| Core capital (leverage) ratio | 10.7113% | 2,793 |
| Tier 1 risk-based capital ratio | 11.7742% | 4,637 |
| Total risk-based capital ratio | 12.6117% | 4,764 |
| Memoranda: | ||
| Average total assets | $647,378,330 | 1,126 |
| Average earning assets | $573,162,330 | 1,174 |
| Average equity | $67,241,670 | 1,197 |
| Average total loans | $511,684,330 | 1,022 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0976% | 118 |
| Cost of funding earning assets | 0.6564% | 1,684 |
| Net interest margin | 5.4412% | 116 |
| Noninterest income to average assets | 1.3565% | 510 |
| Noninterest expense to average assets | 3.1399% | 1,711 |
| Loan and lease loss provision to assets | 0.2379% | 644 |
| Net operating income to assets | 2.7961% | 92 |
| Return on assets (ROA) | 2.7961% | 92 |
| Pretax return on assets | 2.7961% | 137 |
| Return on Equity (ROE) | 27.0939% | 67 |
| Retained earnings to average equity (ytd only) | 27.0939% | 32 |
| Net charge-offs to loans | 0.1934% | 761 |
| Credit loss provision to net charge-offs | 153.6885% | 1,220 |
| Earnings coverage of net charge-offs (x) | 19.5984% | 1,498 |
| Efficiency ratio | 50.8581% | 5,033 |
| Assets per employee ($millions) | 4.6666% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,222 |
| Loan loss allowance to noncurrent loans | 104.6141% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,781 |
| Noncurrent loans to loans | 0.9076% | 2,004 |
| Net loans and leases to total assets | 79.7583% | 969 |
| Net loans and leases to deposits | 93.9590% | 1,226 |
| Net loans and leases to core deposits | 115.5443% | 744 |
| Total domestic deposits to total assets | 84.8862% | 2,978 |
| Equity capital to assets | 10.5934% | 2,975 |
| Core capital (leverage) ratio | 10.4007% | 3,064 |
| Tier 1 risk-based capital ratio | 11.4587% | 4,878 |
| Total risk-based capital ratio | 12.3140% | 5,000 |
| Memoranda: | ||
| Average total assets | $630,456,000 | 1,166 |
| Average earning assets | $558,186,500 | 1,212 |
| Average equity | $65,062,500 | 1,236 |
| Average total loans | $504,740,500 | 1,041 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8330% | 165 |
| Cost of funding earning assets | 0.6034% | 1,579 |
| Net interest margin | 5.2296% | 162 |
| Noninterest income to average assets | 1.5309% | 453 |
| Noninterest expense to average assets | 3.3649% | 1,263 |
| Loan and lease loss provision to assets | 0.2612% | 700 |
| Net operating income to assets | 2.5314% | 116 |
| Return on assets (ROA) | 2.5314% | 116 |
| Pretax return on assets | 2.5314% | 170 |
| Return on Equity (ROE) | 24.6966% | 74 |
| Retained earnings to average equity (ytd only) | 13.0617% | 131 |
| Net charge-offs to loans | 0.1430% | 1,644 |
| Credit loss provision to net charge-offs | 230.0613% | 1,205 |
| Earnings coverage of net charge-offs (x) | 24.6012% | 1,751 |
| Efficiency ratio | 54.6470% | 4,893 |
| Assets per employee ($millions) | 4.8173% | 2,715 |
| Cash dividends to net income (ytd only)* | 47.1114% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,228 |
| Loan loss allowance to noncurrent loans | 107.7362% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 1,814 |
| Noncurrent loans to loans | 0.8792% | 2,025 |
| Net loans and leases to total assets | 78.8363% | 1,150 |
| Net loans and leases to deposits | 93.4201% | 1,337 |
| Net loans and leases to core deposits | 112.9749% | 841 |
| Total domestic deposits to total assets | 84.3890% | 3,071 |
| Equity capital to assets | 10.0428% | 3,656 |
| Core capital (leverage) ratio | 10.1848% | 3,216 |
| Tier 1 risk-based capital ratio | 11.2912% | 4,990 |
| Total risk-based capital ratio | 12.1644% | 5,081 |
| Memoranda: | ||
| Average total assets | $574,377,400 | 1,243 |
| Average earning assets | $508,146,200 | 1,278 |
| Average equity | $58,874,400 | 1,331 |
| Average total loans | $456,082,000 | 1,112 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7850% | 164 |
| Cost of funding earning assets | 0.6065% | 1,486 |
| Net interest margin | 5.1785% | 171 |
| Noninterest income to average assets | 1.5437% | 458 |
| Noninterest expense to average assets | 3.3852% | 1,184 |
| Loan and lease loss provision to assets | 0.2850% | 567 |
| Net operating income to assets | 2.4621% | 141 |
| Return on assets (ROA) | 2.4621% | 143 |
| Pretax return on assets | 2.4621% | 219 |
| Return on Equity (ROE) | 23.8852% | 90 |
| Retained earnings to average equity (ytd only) | 12.2502% | 275 |
| Net charge-offs to loans | 0.2140% | 1,010 |
| Credit loss provision to net charge-offs | 167.8322% | 1,544 |
| Earnings coverage of net charge-offs (x) | 16.1776% | 2,177 |
| Efficiency ratio | 55.2031% | 4,826 |
| Assets per employee ($millions) | 4.7000% | 2,834 |
| Cash dividends to net income (ytd only)* | 48.7123% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,459 |
| Loan loss allowance to noncurrent loans | 279.8972% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 3,287 |
| Noncurrent loans to loans | 0.3289% | 3,770 |
| Net loans and leases to total assets | 77.9705% | 1,275 |
| Net loans and leases to deposits | 93.2769% | 1,386 |
| Net loans and leases to core deposits | 110.6277% | 990 |
| Total domestic deposits to total assets | 83.5904% | 3,259 |
| Equity capital to assets | 10.0906% | 3,814 |
| Core capital (leverage) ratio | 9.9635% | 3,614 |
| Tier 1 risk-based capital ratio | 11.3569% | 5,046 |
| Total risk-based capital ratio | 12.2008% | 5,167 |
| Memoranda: | ||
| Average total assets | $561,408,750 | 1,273 |
| Average earning assets | $497,457,250 | 1,319 |
| Average equity | $57,869,750 | 1,372 |
| Average total loans | $445,493,750 | 1,146 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7054% | 187 |
| Cost of funding earning assets | 0.5971% | 1,468 |
| Net interest margin | 5.1083% | 189 |
| Noninterest income to average assets | 1.6897% | 402 |
| Noninterest expense to average assets | 3.5017% | 1,010 |
| Loan and lease loss provision to assets | 0.3285% | 448 |
| Net operating income to assets | 2.3864% | 153 |
| Return on assets (ROA) | 2.3864% | 152 |
| Pretax return on assets | 2.3864% | 255 |
| Return on Equity (ROE) | 22.9742% | 106 |
| Retained earnings to average equity (ytd only) | 11.5556% | 364 |
| Net charge-offs to loans | 0.1660% | 1,170 |
| Credit loss provision to net charge-offs | 248.6188% | 1,087 |
| Earnings coverage of net charge-offs (x) | 20.5497% | 1,790 |
| Efficiency ratio | 56.3285% | 4,792 |
| Assets per employee ($millions) | 4.4189% | 3,235 |
| Cash dividends to net income (ytd only)* | 49.7018% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,368 |
| Loan loss allowance to noncurrent loans | 159.9927% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 3,052 |
| Noncurrent loans to loans | 0.6000% | 2,930 |
| Net loans and leases to total assets | 78.6101% | 1,151 |
| Net loans and leases to deposits | 94.7036% | 1,203 |
| Net loans and leases to core deposits | 118.3990% | 623 |
| Total domestic deposits to total assets | 83.0064% | 3,567 |
| Equity capital to assets | 10.1332% | 3,758 |
| Core capital (leverage) ratio | 9.9989% | 3,541 |
| Tier 1 risk-based capital ratio | 11.3583% | 5,046 |
| Total risk-based capital ratio | 12.2433% | 5,155 |
| Memoranda: | ||
| Average total assets | $548,012,330 | 1,306 |
| Average earning assets | $485,644,000 | 1,354 |
| Average equity | $56,924,670 | 1,391 |
| Average total loans | $436,182,670 | 1,164 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6664% | 190 |
| Cost of funding earning assets | 0.5873% | 1,461 |
| Net interest margin | 5.0791% | 196 |
| Noninterest income to average assets | 1.7995% | 364 |
| Noninterest expense to average assets | 3.5780% | 922 |
| Loan and lease loss provision to assets | 0.1502% | 1,231 |
| Net operating income to assets | 2.5596% | 129 |
| Return on assets (ROA) | 2.5596% | 132 |
| Pretax return on assets | 2.5596% | 197 |
| Return on Equity (ROE) | 24.3177% | 100 |
| Retained earnings to average equity (ytd only) | 12.1874% | 450 |
| Net charge-offs to loans | 0.3901% | 470 |
| Credit loss provision to net charge-offs | 48.3092% | 2,000 |
| Earnings coverage of net charge-offs (x) | 8.7150% | 2,037 |
| Efficiency ratio | 56.9040% | 4,845 |
| Assets per employee ($millions) | 4.4320% | 3,278 |
| Cash dividends to net income (ytd only)* | 49.8826% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,998 |
| Loan loss allowance to noncurrent loans | 236.6753% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,010 |
| Noncurrent loans to loans | 0.3483% | 3,851 |
| Net loans and leases to total assets | 76.9926% | 1,266 |
| Net loans and leases to deposits | 92.9645% | 1,228 |
| Net loans and leases to core deposits | 118.9448% | 488 |
| Total domestic deposits to total assets | 82.8194% | 3,911 |
| Equity capital to assets | 9.9621% | 3,805 |
| Core capital (leverage) ratio | 10.2614% | 3,176 |
| Tier 1 risk-based capital ratio | 11.3592% | 5,115 |
| Total risk-based capital ratio | 12.1147% | 5,303 |
| Memoranda: | ||
| Average total assets | $532,583,000 | 1,340 |
| Average earning assets | $470,634,500 | 1,404 |
| Average equity | $56,058,000 | 1,401 |
| Average total loans | $424,543,000 | 1,191 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7125% | 185 |
| Cost of funding earning assets | 0.5560% | 1,633 |
| Net interest margin | 5.1564% | 181 |
| Noninterest income to average assets | 1.6987% | 422 |
| Noninterest expense to average assets | 3.7432% | 832 |
| Loan and lease loss provision to assets | 0.1853% | 1,276 |
| Net operating income to assets | 2.2886% | 204 |
| Return on assets (ROA) | 2.3164% | 202 |
| Pretax return on assets | 2.3164% | 269 |
| Return on Equity (ROE) | 22.3568% | 135 |
| Retained earnings to average equity (ytd only) | 14.9065% | 109 |
| Net charge-offs to loans | 0.0660% | 2,750 |
| Credit loss provision to net charge-offs | 355.7312% | 861 |
| Earnings coverage of net charge-offs (x) | 47.5020% | 1,042 |
| Efficiency ratio | 60.2079% | 4,549 |
| Assets per employee ($millions) | 3.6824% | 4,508 |
| Cash dividends to net income (ytd only)* | 33.3244% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 4,549 |
| Loan loss allowance to noncurrent loans | 238.7793% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,845 |
| Noncurrent loans to loans | 0.4003% | 3,716 |
| Net loans and leases to total assets | 81.3406% | 691 |
| Net loans and leases to deposits | 94.3212% | 1,166 |
| Net loans and leases to core deposits | 110.5612% | 860 |
| Total domestic deposits to total assets | 86.2379% | 2,478 |
| Equity capital to assets | 11.1786% | 2,445 |
| Core capital (leverage) ratio | 10.7073% | 2,647 |
| Tier 1 risk-based capital ratio | 11.9485% | 4,768 |
| Total risk-based capital ratio | 12.8079% | 4,922 |
| Memoranda: | ||
| Average total assets | $485,790,400 | 1,419 |
| Average earning assets | $425,683,800 | 1,484 |
| Average equity | $50,333,600 | 1,509 |
| Average total loans | $383,106,000 | 1,243 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 223 |
| Cost of funding earning assets | 0.5597% | 1,611 |
| Net interest margin | 5.0233% | 241 |
| Noninterest income to average assets | 1.6745% | 441 |
| Noninterest expense to average assets | 3.5937% | 1,006 |
| Loan and lease loss provision to assets | 0.1791% | 1,244 |
| Net operating income to assets | 2.2986% | 212 |
| Return on assets (ROA) | 2.3358% | 213 |
| Pretax return on assets | 2.3358% | 291 |
| Return on Equity (ROE) | 23.0065% | 127 |
| Retained earnings to average equity (ytd only) | 13.5075% | 197 |
| Net charge-offs to loans | 0.0787% | 2,195 |
| Credit loss provision to net charge-offs | 291.4798% | 1,061 |
| Earnings coverage of net charge-offs (x) | 40.3223% | 1,236 |
| Efficiency ratio | 59.1903% | 4,665 |
| Assets per employee ($millions) | 3.8612% | 4,194 |
| Cash dividends to net income (ytd only)* | 41.2882% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 4,828 |
| Loan loss allowance to noncurrent loans | 221.7972% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,903 |
| Noncurrent loans to loans | 0.4115% | 3,801 |
| Net loans and leases to total assets | 79.0182% | 1,035 |
| Net loans and leases to deposits | 92.3036% | 1,460 |
| Net loans and leases to core deposits | 109.0660% | 979 |
| Total domestic deposits to total assets | 85.6068% | 2,553 |
| Equity capital to assets | 10.5467% | 3,514 |
| Core capital (leverage) ratio | 10.3325% | 3,184 |
| Tier 1 risk-based capital ratio | 11.4854% | 5,094 |
| Total risk-based capital ratio | 12.3024% | 5,252 |
| Memoranda: | ||
| Average total assets | $483,877,750 | 1,426 |
| Average earning assets | $423,535,750 | 1,487 |
| Average equity | $49,127,000 | 1,548 |
| Average total loans | $377,572,250 | 1,249 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5780% | 227 |
| Cost of funding earning assets | 0.5666% | 1,568 |
| Net interest margin | 5.0115% | 249 |
| Noninterest income to average assets | 1.6587% | 453 |
| Noninterest expense to average assets | 3.4827% | 1,192 |
| Loan and lease loss provision to assets | 0.2093% | 1,022 |
| Net operating income to assets | 2.3539% | 186 |
| Return on assets (ROA) | 2.4104% | 177 |
| Pretax return on assets | 2.4104% | 249 |
| Return on Equity (ROE) | 24.0680% | 104 |
| Retained earnings to average equity (ytd only) | 16.7544% | 102 |
| Net charge-offs to loans | 0.0146% | 3,242 |
| Credit loss provision to net charge-offs | 1,851.8519% | 220 |
| Earnings coverage of net charge-offs (x) | 226.8148% | 288 |
| Efficiency ratio | 57.6047% | 4,958 |
| Assets per employee ($millions) | 4.0816% | 3,765 |
| Cash dividends to net income (ytd only)* | 30.3872% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,625 |
| Loan loss allowance to noncurrent loans | 715.4739% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,907 |
| Noncurrent loans to loans | 0.1367% | 4,893 |
| Net loans and leases to total assets | 74.0062% | 1,840 |
| Net loans and leases to deposits | 84.7532% | 2,374 |
| Net loans and leases to core deposits | 99.2533% | 1,692 |
| Total domestic deposits to total assets | 87.3196% | 1,747 |
| Equity capital to assets | 9.8793% | 4,356 |
| Core capital (leverage) ratio | 9.8986% | 3,686 |
| Tier 1 risk-based capital ratio | 11.7232% | 5,019 |
| Total risk-based capital ratio | 12.6190% | 5,132 |
| Memoranda: | ||
| Average total assets | $477,851,000 | 1,438 |
| Average earning assets | $418,319,670 | 1,508 |
| Average equity | $47,856,000 | 1,585 |
| Average total loans | $369,999,330 | 1,267 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 193 |
| Cost of funding earning assets | 0.5829% | 1,460 |
| Net interest margin | 5.0940% | 205 |
| Noninterest income to average assets | 1.4181% | 556 |
| Noninterest expense to average assets | 3.5651% | 1,074 |
| Loan and lease loss provision to assets | 0.2588% | 667 |
| Net operating income to assets | 2.0340% | 311 |
| Return on assets (ROA) | 2.0340% | 327 |
| Pretax return on assets | 2.0340% | 527 |
| Return on Equity (ROE) | 20.1610% | 236 |
| Retained earnings to average equity (ytd only) | 15.0309% | 244 |
| Net charge-offs to loans | -0.0055% | 4,317 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8600% | 4,621 |
| Assets per employee ($millions) | 3.8386% | 4,232 |
| Cash dividends to net income (ytd only)* | 25.4453% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 4,907 |
| Loan loss allowance to noncurrent loans | 7,846.6667% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 4,468 |
| Noncurrent loans to loans | 0.0120% | 5,474 |
| Net loans and leases to total assets | 77.6166% | 1,150 |
| Net loans and leases to deposits | 89.0338% | 1,698 |
| Net loans and leases to core deposits | 103.4761% | 1,226 |
| Total domestic deposits to total assets | 87.1766% | 2,114 |
| Equity capital to assets | 9.9501% | 4,142 |
| Core capital (leverage) ratio | 9.9635% | 3,583 |
| Tier 1 risk-based capital ratio | 11.1699% | 5,414 |
| Total risk-based capital ratio | 12.0233% | 5,525 |
| Memoranda: | ||
| Average total assets | $463,716,500 | 1,482 |
| Average earning assets | $404,161,000 | 1,550 |
| Average equity | $46,783,500 | 1,606 |
| Average total loans | $365,869,500 | 1,281 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 228 |
| Cost of funding earning assets | 0.5964% | 1,386 |
| Net interest margin | 5.0218% | 240 |
| Noninterest income to average assets | 1.8732% | 393 |
| Noninterest expense to average assets | 3.9431% | 724 |
| Loan and lease loss provision to assets | 0.1954% | 1,113 |
| Net operating income to assets | 2.1082% | 291 |
| Return on assets (ROA) | 2.1082% | 296 |
| Pretax return on assets | 2.1082% | 422 |
| Return on Equity (ROE) | 20.6120% | 218 |
| Retained earnings to average equity (ytd only) | 7.6859% | 1,024 |
| Net charge-offs to loans | 0.0391% | 3,444 |
| Credit loss provision to net charge-offs | 653.8462% | 512 |
| Earnings coverage of net charge-offs (x) | 77.0692% | 723 |
| Efficiency ratio | 63.1221% | 4,422 |
| Assets per employee ($millions) | 3.9264% | 4,072 |
| Cash dividends to net income (ytd only)* | 62.7113% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 5,061 |
| Loan loss allowance to noncurrent loans | 3,162.7451% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 3,004 |
| Noncurrent loans to loans | 0.0287% | 5,397 |
| Net loans and leases to total assets | 78.7649% | 1,020 |
| Net loans and leases to deposits | 93.9826% | 1,203 |
| Net loans and leases to core deposits | 105.2359% | 1,151 |
| Total domestic deposits to total assets | 83.8079% | 3,561 |
| Equity capital to assets | 10.2375% | 3,698 |
| Core capital (leverage) ratio | 9.8382% | 3,725 |
| Tier 1 risk-based capital ratio | 11.2416% | 5,403 |
| Total risk-based capital ratio | 12.0477% | 5,538 |
| Memoranda: | ||
| Average total assets | $434,916,400 | 1,529 |
| Average earning assets | $378,771,600 | 1,611 |
| Average equity | $44,483,800 | 1,658 |
| Average total loans | $332,367,800 | 1,348 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 239 |
| Cost of funding earning assets | 0.5888% | 1,477 |
| Net interest margin | 4.9661% | 274 |
| Noninterest income to average assets | 1.8294% | 406 |
| Noninterest expense to average assets | 3.8439% | 797 |
| Loan and lease loss provision to assets | 0.1699% | 1,245 |
| Net operating income to assets | 2.1630% | 275 |
| Return on assets (ROA) | 2.1630% | 290 |
| Pretax return on assets | 2.1630% | 448 |
| Return on Equity (ROE) | 21.1522% | 214 |
| Retained earnings to average equity (ytd only) | 10.7331% | 515 |
| Net charge-offs to loans | 0.0306% | 3,312 |
| Credit loss provision to net charge-offs | 733.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 100.7175% | 625 |
| Efficiency ratio | 62.2319% | 4,530 |
| Assets per employee ($millions) | 3.8915% | 4,099 |
| Cash dividends to net income (ytd only)* | 49.2576% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 5,379 |
| Loan loss allowance to noncurrent loans | 2,384.8000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 4,163 |
| Noncurrent loans to loans | 0.0355% | 5,478 |
| Net loans and leases to total assets | 74.7396% | 1,598 |
| Net loans and leases to deposits | 91.1454% | 1,507 |
| Net loans and leases to core deposits | 98.5863% | 1,644 |
| Total domestic deposits to total assets | 82.0005% | 4,161 |
| Equity capital to assets | 9.8432% | 4,349 |
| Core capital (leverage) ratio | 10.0866% | 3,520 |
| Tier 1 risk-based capital ratio | 11.5984% | 5,326 |
| Total risk-based capital ratio | 12.3629% | 5,489 |
| Memoranda: | ||
| Average total assets | $431,743,500 | 1,551 |
| Average earning assets | $377,938,750 | 1,620 |
| Average equity | $44,148,750 | 1,679 |
| Average total loans | $326,513,750 | 1,376 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 228 |
| Cost of funding earning assets | 0.5897% | 1,488 |
| Net interest margin | 5.0193% | 237 |
| Noninterest income to average assets | 1.9614% | 380 |
| Noninterest expense to average assets | 3.9310% | 738 |
| Loan and lease loss provision to assets | 0.1190% | 1,860 |
| Net operating income to assets | 2.2967% | 222 |
| Return on assets (ROA) | 2.2967% | 234 |
| Pretax return on assets | 2.2967% | 341 |
| Return on Equity (ROE) | 22.1528% | 191 |
| Retained earnings to average equity (ytd only) | 11.5885% | 436 |
| Net charge-offs to loans | 0.0157% | 3,393 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 202.9200% | 348 |
| Efficiency ratio | 61.9373% | 4,686 |
| Assets per employee ($millions) | 3.7198% | 4,382 |
| Cash dividends to net income (ytd only)* | 47.6882% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,551 |
| Loan loss allowance to noncurrent loans | 1,525.6983% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 4,185 |
| Noncurrent loans to loans | 0.0536% | 5,526 |
| Net loans and leases to total assets | 74.1406% | 1,637 |
| Net loans and leases to deposits | 91.0611% | 1,475 |
| Net loans and leases to core deposits | 99.4958% | 1,532 |
| Total domestic deposits to total assets | 81.4185% | 4,475 |
| Equity capital to assets | 10.0451% | 3,985 |
| Core capital (leverage) ratio | 10.3619% | 3,131 |
| Tier 1 risk-based capital ratio | 11.8897% | 5,224 |
| Total risk-based capital ratio | 12.6241% | 5,465 |
| Memoranda: | ||
| Average total assets | $419,996,670 | 1,602 |
| Average earning assets | $366,945,670 | 1,675 |
| Average equity | $43,543,000 | 1,709 |
| Average total loans | $318,017,330 | 1,406 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 189 |
| Cost of funding earning assets | 0.5906% | 1,501 |
| Net interest margin | 5.1212% | 200 |
| Noninterest income to average assets | 1.6873% | 451 |
| Noninterest expense to average assets | 4.0058% | 689 |
| Loan and lease loss provision to assets | 0.0492% | 2,948 |
| Net operating income to assets | 1.9980% | 339 |
| Return on assets (ROA) | 1.9980% | 357 |
| Pretax return on assets | 1.9980% | 587 |
| Return on Equity (ROE) | 18.9486% | 327 |
| Retained earnings to average equity (ytd only) | 10.5560% | 801 |
| Net charge-offs to loans | -0.0142% | 4,885 |
| Credit loss provision to net charge-offs | -454.5455% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1793% | 4,129 |
| Assets per employee ($millions) | 3.5671% | 4,786 |
| Cash dividends to net income (ytd only)* | 44.2913% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 5,680 |
| Loan loss allowance to noncurrent loans | 1,677.7778% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 4,201 |
| Noncurrent loans to loans | 0.0481% | 5,590 |
| Net loans and leases to total assets | 75.5836% | 1,270 |
| Net loans and leases to deposits | 91.2156% | 1,266 |
| Net loans and leases to core deposits | 99.5129% | 1,352 |
| Total domestic deposits to total assets | 82.8626% | 4,212 |
| Equity capital to assets | 10.4305% | 3,613 |
| Core capital (leverage) ratio | 10.6171% | 2,834 |
| Tier 1 risk-based capital ratio | 11.8955% | 5,313 |
| Total risk-based capital ratio | 12.6072% | 5,539 |
| Memoranda: | ||
| Average total assets | $406,807,500 | 1,648 |
| Average earning assets | $346,790,500 | 1,776 |
| Average equity | $42,895,000 | 1,733 |
| Average total loans | $310,188,000 | 1,437 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 637 |
| Cost of funding earning assets | 0.5582% | 2,148 |
| Net interest margin | 4.5403% | 694 |
| Noninterest income to average assets | 2.2366% | 287 |
| Noninterest expense to average assets | 3.9954% | 755 |
| Loan and lease loss provision to assets | 0.0425% | 3,714 |
| Net operating income to assets | 2.2527% | 202 |
| Return on assets (ROA) | 2.2527% | 206 |
| Pretax return on assets | 2.2527% | 290 |
| Return on Equity (ROE) | 22.0341% | 175 |
| Retained earnings to average equity (ytd only) | 5.8033% | 2,065 |
| Net charge-offs to loans | -0.0030% | 5,408 |
| Credit loss provision to net charge-offs | -2,112.5000% | 5,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3535% | 4,693 |
| Assets per employee ($millions) | 3.5699% | 4,778 |
| Cash dividends to net income (ytd only)* | 73.6625% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 5,696 |
| Loan loss allowance to noncurrent loans | 1,884.2105% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 4,208 |
| Noncurrent loans to loans | 0.0440% | 5,701 |
| Net loans and leases to total assets | 75.6703% | 1,318 |
| Net loans and leases to deposits | 88.0773% | 1,727 |
| Net loans and leases to core deposits | 95.8233% | 1,738 |
| Total domestic deposits to total assets | 85.9134% | 2,889 |
| Equity capital to assets | 10.6641% | 3,283 |
| Core capital (leverage) ratio | 10.3382% | 3,124 |
| Tier 1 risk-based capital ratio | 11.5887% | 5,613 |
| Total risk-based capital ratio | 12.3050% | 5,828 |
| Memoranda: | ||
| Average total assets | $397,436,800 | 1,656 |
| Average earning assets | $354,866,800 | 1,688 |
| Average equity | $40,632,400 | 1,754 |
| Average total loans | $268,024,000 | 1,586 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 826 |
| Cost of funding earning assets | 0.5541% | 2,249 |
| Net interest margin | 4.4070% | 876 |
| Noninterest income to average assets | 2.3282% | 272 |
| Noninterest expense to average assets | 3.8618% | 896 |
| Loan and lease loss provision to assets | 0.0567% | 3,239 |
| Net operating income to assets | 2.3851% | 171 |
| Return on assets (ROA) | 2.3851% | 173 |
| Pretax return on assets | 2.3851% | 265 |
| Return on Equity (ROE) | 23.5828% | 138 |
| Retained earnings to average equity (ytd only) | 7.3583% | 1,643 |
| Net charge-offs to loans | -0.0170% | 5,573 |
| Credit loss provision to net charge-offs | -512.1212% | 5,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0508% | 5,029 |
| Assets per employee ($millions) | 3.2795% | 5,272 |
| Cash dividends to net income (ytd only)* | 68.7983% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 5,530 |
| Loan loss allowance to noncurrent loans | 962.3574% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 4,291 |
| Noncurrent loans to loans | 0.0957% | 5,658 |
| Net loans and leases to total assets | 69.2030% | 2,324 |
| Net loans and leases to deposits | 80.5631% | 2,608 |
| Net loans and leases to core deposits | 87.3273% | 2,502 |
| Total domestic deposits to total assets | 85.8991% | 2,902 |
| Equity capital to assets | 10.6661% | 3,348 |
| Core capital (leverage) ratio | 10.3563% | 3,204 |
| Tier 1 risk-based capital ratio | 12.7557% | 5,000 |
| Total risk-based capital ratio | 13.5507% | 5,223 |
| Memoranda: | ||
| Average total assets | $397,730,000 | 1,667 |
| Average earning assets | $358,783,750 | 1,694 |
| Average equity | $40,226,000 | 1,782 |
| Average total loans | $259,440,000 | 1,641 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 1,169 |
| Cost of funding earning assets | 0.5525% | 2,326 |
| Net interest margin | 4.1991% | 1,242 |
| Noninterest income to average assets | 2.3426% | 269 |
| Noninterest expense to average assets | 3.8319% | 932 |
| Loan and lease loss provision to assets | 0.1503% | 1,641 |
| Net operating income to assets | 2.1537% | 250 |
| Return on assets (ROA) | 2.1537% | 263 |
| Pretax return on assets | 2.1537% | 400 |
| Return on Equity (ROE) | 21.6835% | 213 |
| Retained earnings to average equity (ytd only) | 2.2854% | 4,746 |
| Net charge-offs to loans | 0.1329% | 2,338 |
| Credit loss provision to net charge-offs | 177.5148% | 1,287 |
| Earnings coverage of net charge-offs (x) | 27.2071% | 1,352 |
| Efficiency ratio | 62.1233% | 4,992 |
| Assets per employee ($millions) | 3.3369% | 5,180 |
| Cash dividends to net income (ytd only)* | 89.4602% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 5,524 |
| Loan loss allowance to noncurrent loans | 1,607.8431% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 4,538 |
| Noncurrent loans to loans | 0.0596% | 5,855 |
| Net loans and leases to total assets | 63.4786% | 3,163 |
| Net loans and leases to deposits | 73.2716% | 3,425 |
| Net loans and leases to core deposits | 79.5025% | 3,263 |
| Total domestic deposits to total assets | 86.6346% | 2,676 |
| Equity capital to assets | 10.0374% | 4,053 |
| Core capital (leverage) ratio | 9.8617% | 3,797 |
| Tier 1 risk-based capital ratio | 12.8752% | 4,995 |
| Total risk-based capital ratio | 13.6864% | 5,192 |
| Memoranda: | ||
| Average total assets | $399,128,330 | 1,662 |
| Average earning assets | $360,556,670 | 1,675 |
| Average equity | $39,643,000 | 1,790 |
| Average total loans | $254,297,000 | 1,669 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,302 |
| Cost of funding earning assets | 0.5541% | 2,391 |
| Net interest margin | 4.1277% | 1,400 |
| Noninterest income to average assets | 1.2879% | 674 |
| Noninterest expense to average assets | 3.6659% | 1,183 |
| Loan and lease loss provision to assets | 0.1506% | 1,608 |
| Net operating income to assets | 1.2176% | 1,435 |
| Return on assets (ROA) | 1.2176% | 1,493 |
| Pretax return on assets | 1.2176% | 2,406 |
| Return on Equity (ROE) | 12.3246% | 1,334 |
| Retained earnings to average equity (ytd only) | -3.1192% | 5,976 |
| Net charge-offs to loans | 0.2323% | 1,393 |
| Credit loss provision to net charge-offs | 102.0408% | 1,627 |
| Earnings coverage of net charge-offs (x) | 9.2721% | 1,951 |
| Efficiency ratio | 72.0239% | 3,486 |
| Assets per employee ($millions) | 3.3074% | 5,331 |
| Cash dividends to net income (ytd only)* | 125.3092% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 5,825 |
| Loan loss allowance to noncurrent loans | 1,865.6000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 4,700 |
| Noncurrent loans to loans | 0.0490% | 6,001 |
| Net loans and leases to total assets | 63.1309% | 3,050 |
| Net loans and leases to deposits | 72.6061% | 3,259 |
| Net loans and leases to core deposits | 79.7206% | 3,002 |
| Total domestic deposits to total assets | 86.9499% | 2,844 |
| Equity capital to assets | 9.8307% | 4,063 |
| Core capital (leverage) ratio | 9.7336% | 3,946 |
| Tier 1 risk-based capital ratio | 13.3706% | 4,785 |
| Total risk-based capital ratio | 14.1762% | 4,983 |
| Memoranda: | ||
| Average total assets | $398,481,000 | 1,672 |
| Average earning assets | $361,658,500 | 1,685 |
| Average equity | $39,368,500 | 1,790 |
| Average total loans | $253,124,000 | 1,679 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 899 |
| Cost of funding earning assets | 0.6043% | 2,620 |
| Net interest margin | 4.4077% | 896 |
| Noninterest income to average assets | 1.9544% | 406 |
| Noninterest expense to average assets | 3.8961% | 1,000 |
| Loan and lease loss provision to assets | 0.0996% | 3,142 |
| Net operating income to assets | 1.9847% | 351 |
| Return on assets (ROA) | 1.9847% | 351 |
| Pretax return on assets | 1.9847% | 500 |
| Return on Equity (ROE) | 19.8799% | 282 |
| Retained earnings to average equity (ytd only) | 10.1474% | 541 |
| Net charge-offs to loans | 0.2562% | 2,431 |
| Credit loss provision to net charge-offs | 57.9598% | 3,623 |
| Earnings coverage of net charge-offs (x) | 12.1345% | 2,161 |
| Efficiency ratio | 65.1485% | 4,704 |
| Assets per employee ($millions) | 3.5745% | 4,746 |
| Cash dividends to net income (ytd only)* | 48.9567% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 5,835 |
| Loan loss allowance to noncurrent loans | 465.6000% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 4,095 |
| Noncurrent loans to loans | 0.1990% | 5,592 |
| Net loans and leases to total assets | 62.7424% | 3,243 |
| Net loans and leases to deposits | 72.4444% | 3,468 |
| Net loans and leases to core deposits | 80.9069% | 3,022 |
| Total domestic deposits to total assets | 86.6077% | 2,934 |
| Equity capital to assets | 9.9291% | 3,862 |
| Core capital (leverage) ratio | 9.5981% | 4,118 |
| Tier 1 risk-based capital ratio | 13.8893% | 4,370 |
| Total risk-based capital ratio | 14.7173% | 4,611 |
| Memoranda: | ||
| Average total assets | $376,686,000 | 1,737 |
| Average earning assets | $344,053,600 | 1,737 |
| Average equity | $37,605,800 | 1,848 |
| Average total loans | $252,517,400 | 1,646 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 817 |
| Cost of funding earning assets | 0.6098% | 2,734 |
| Net interest margin | 4.4620% | 784 |
| Noninterest income to average assets | 1.9128% | 444 |
| Noninterest expense to average assets | 3.7936% | 1,091 |
| Loan and lease loss provision to assets | 0.1345% | 2,599 |
| Net operating income to assets | 2.0588% | 323 |
| Return on assets (ROA) | 2.0588% | 334 |
| Pretax return on assets | 2.0588% | 510 |
| Return on Equity (ROE) | 20.5924% | 268 |
| Retained earnings to average equity (ytd only) | 7.4597% | 1,660 |
| Net charge-offs to loans | 0.1582% | 2,968 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 20.3800% | 1,592 |
| Efficiency ratio | 63.3651% | 4,908 |
| Assets per employee ($millions) | 3.2456% | 5,396 |
| Cash dividends to net income (ytd only)* | 63.7742% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,475 |
| Loan loss allowance to noncurrent loans | 180.2020% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 4,118 |
| Noncurrent loans to loans | 0.5893% | 4,729 |
| Net loans and leases to total assets | 63.4828% | 3,087 |
| Net loans and leases to deposits | 73.0664% | 3,390 |
| Net loans and leases to core deposits | 82.8852% | 2,776 |
| Total domestic deposits to total assets | 86.8837% | 2,754 |
| Equity capital to assets | 9.5993% | 4,417 |
| Core capital (leverage) ratio | 9.9031% | 3,807 |
| Tier 1 risk-based capital ratio | 13.6264% | 4,673 |
| Total risk-based capital ratio | 14.5988% | 4,806 |
| Memoranda: | ||
| Average total assets | $371,666,250 | 1,767 |
| Average earning assets | $339,357,250 | 1,767 |
| Average equity | $37,158,500 | 1,875 |
| Average total loans | $252,829,750 | 1,642 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 774 |
| Cost of funding earning assets | 0.6191% | 2,779 |
| Net interest margin | 4.4792% | 734 |
| Noninterest income to average assets | 2.0644% | 426 |
| Noninterest expense to average assets | 3.8004% | 1,094 |
| Loan and lease loss provision to assets | 0.1508% | 2,435 |
| Net operating income to assets | 2.2005% | 258 |
| Return on assets (ROA) | 2.2005% | 274 |
| Pretax return on assets | 2.2005% | 415 |
| Return on Equity (ROE) | 21.6990% | 217 |
| Retained earnings to average equity (ytd only) | 8.9349% | 1,150 |
| Net charge-offs to loans | 0.0917% | 3,445 |
| Credit loss provision to net charge-offs | 237.0690% | 1,056 |
| Earnings coverage of net charge-offs (x) | 36.9569% | 982 |
| Efficiency ratio | 61.7778% | 5,206 |
| Assets per employee ($millions) | 3.0393% | 5,784 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,334 |
| Loan loss allowance to noncurrent loans | 111.1559% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 3,551 |
| Noncurrent loans to loans | 1.0143% | 3,907 |
| Net loans and leases to total assets | 64.2194% | 2,881 |
| Net loans and leases to deposits | 74.2609% | 3,111 |
| Net loans and leases to core deposits | 83.9745% | 2,566 |
| Total domestic deposits to total assets | 86.4781% | 3,123 |
| Equity capital to assets | 9.8963% | 4,060 |
| Core capital (leverage) ratio | 10.2441% | 3,171 |
| Tier 1 risk-based capital ratio | 13.8378% | 4,536 |
| Total risk-based capital ratio | 14.8641% | 4,663 |
| Memoranda: | ||
| Average total assets | $364,649,670 | 1,797 |
| Average earning assets | $332,735,330 | 1,801 |
| Average equity | $36,978,670 | 1,889 |
| Average total loans | $253,112,000 | 1,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 669 |
| Cost of funding earning assets | 0.6344% | 2,798 |
| Net interest margin | 4.5224% | 651 |
| Noninterest income to average assets | 1.6779% | 554 |
| Noninterest expense to average assets | 3.7229% | 1,214 |
| Loan and lease loss provision to assets | 0.1395% | 2,501 |
| Net operating income to assets | 1.9591% | 369 |
| Return on assets (ROA) | 1.9591% | 398 |
| Pretax return on assets | 1.9591% | 638 |
| Return on Equity (ROE) | 19.0768% | 352 |
| Retained earnings to average equity (ytd only) | 10.8204% | 911 |
| Net charge-offs to loans | 0.1726% | 2,364 |
| Credit loss provision to net charge-offs | 112.6126% | 1,670 |
| Earnings coverage of net charge-offs (x) | 16.9459% | 1,344 |
| Efficiency ratio | 63.9517% | 5,015 |
| Assets per employee ($millions) | 2.9559% | 6,062 |
| Cash dividends to net income (ytd only)* | 43.2802% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 5,900 |
| Loan loss allowance to noncurrent loans | 93.7276% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 2.0966% | 2,236 |
| Noncurrent loans to loans | 1.0937% | 3,954 |
| Net loans and leases to total assets | 72.3844% | 1,297 |
| Net loans and leases to deposits | 84.6369% | 1,513 |
| Net loans and leases to core deposits | 95.8738% | 1,207 |
| Total domestic deposits to total assets | 85.5235% | 3,784 |
| Equity capital to assets | 10.6893% | 3,336 |
| Core capital (leverage) ratio | 10.6623% | 2,582 |
| Tier 1 risk-based capital ratio | 13.4675% | 4,895 |
| Total risk-based capital ratio | 14.4245% | 5,041 |
| Memoranda: | ||
| Average total assets | $358,536,000 | 1,845 |
| Average earning assets | $328,498,500 | 1,844 |
| Average equity | $36,819,500 | 1,926 |
| Average total loans | $257,274,000 | 1,624 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 1,209 |
| Cost of funding earning assets | 0.8516% | 2,278 |
| Net interest margin | 4.2982% | 1,406 |
| Noninterest income to average assets | 1.5046% | 696 |
| Noninterest expense to average assets | 3.5561% | 1,707 |
| Loan and lease loss provision to assets | 0.2710% | 2,482 |
| Net operating income to assets | 1.6836% | 640 |
| Return on assets (ROA) | 1.8750% | 496 |
| Pretax return on assets | 1.8750% | 785 |
| Return on Equity (ROE) | 19.3118% | 332 |
| Retained earnings to average equity (ytd only) | 8.8788% | 862 |
| Net charge-offs to loans | 0.6847% | 1,726 |
| Credit loss provision to net charge-offs | 56.1636% | 4,545 |
| Earnings coverage of net charge-offs (x) | 4.0513% | 3,495 |
| Efficiency ratio | 64.5317% | 4,791 |
| Assets per employee ($millions) | 3.3479% | 5,334 |
| Cash dividends to net income (ytd only)* | 54.0240% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,949 |
| Loan loss allowance to noncurrent loans | 95.6602% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.9594% | 2,498 |
| Noncurrent loans to loans | 1.0480% | 4,114 |
| Net loans and leases to total assets | 69.7461% | 1,894 |
| Net loans and leases to deposits | 85.0801% | 1,625 |
| Net loans and leases to core deposits | 97.3341% | 1,195 |
| Total domestic deposits to total assets | 81.9770% | 5,107 |
| Equity capital to assets | 9.8718% | 4,348 |
| Core capital (leverage) ratio | 9.8493% | 3,606 |
| Tier 1 risk-based capital ratio | 12.9436% | 5,148 |
| Total risk-based capital ratio | 13.8809% | 5,323 |
| Memoranda: | ||
| Average total assets | $359,832,400 | 1,803 |
| Average earning assets | $335,370,800 | 1,768 |
| Average equity | $34,937,200 | 1,984 |
| Average total loans | $253,544,000 | 1,628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 1,282 |
| Cost of funding earning assets | 0.8666% | 2,418 |
| Net interest margin | 4.2896% | 1,504 |
| Noninterest income to average assets | 1.4536% | 706 |
| Noninterest expense to average assets | 3.4890% | 1,789 |
| Loan and lease loss provision to assets | 0.2889% | 2,265 |
| Net operating income to assets | 1.6776% | 728 |
| Return on assets (ROA) | 1.7462% | 702 |
| Pretax return on assets | 1.7462% | 1,167 |
| Return on Equity (ROE) | 18.0625% | 494 |
| Retained earnings to average equity (ytd only) | 8.0578% | 1,596 |
| Net charge-offs to loans | 0.8183% | 1,339 |
| Credit loss provision to net charge-offs | 50.0970% | 4,398 |
| Earnings coverage of net charge-offs (x) | 3.4105% | 3,655 |
| Efficiency ratio | 63.9544% | 4,810 |
| Assets per employee ($millions) | 3.3233% | 5,389 |
| Cash dividends to net income (ytd only)* | 55.3895% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,070 |
| Loan loss allowance to noncurrent loans | 95.5383% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.9901% | 2,653 |
| Noncurrent loans to loans | 1.0491% | 4,342 |
| Net loans and leases to total assets | 70.6495% | 1,792 |
| Net loans and leases to deposits | 86.5124% | 1,544 |
| Net loans and leases to core deposits | 97.7906% | 1,281 |
| Total domestic deposits to total assets | 81.6640% | 5,144 |
| Equity capital to assets | 9.9012% | 4,642 |
| Core capital (leverage) ratio | 9.8296% | 3,778 |
| Tier 1 risk-based capital ratio | 12.5768% | 5,581 |
| Total risk-based capital ratio | 13.5070% | 5,773 |
| Memoranda: | ||
| Average total assets | $357,722,250 | 1,840 |
| Average earning assets | $333,728,000 | 1,795 |
| Average equity | $34,582,750 | 2,017 |
| Average total loans | $252,065,750 | 1,650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 1,405 |
| Cost of funding earning assets | 0.8873% | 2,508 |
| Net interest margin | 4.2519% | 1,596 |
| Noninterest income to average assets | 1.3127% | 822 |
| Noninterest expense to average assets | 3.3255% | 2,235 |
| Loan and lease loss provision to assets | 0.2527% | 2,555 |
| Net operating income to assets | 1.7029% | 666 |
| Return on assets (ROA) | 1.8062% | 623 |
| Pretax return on assets | 1.8062% | 1,030 |
| Return on Equity (ROE) | 18.8377% | 426 |
| Retained earnings to average equity (ytd only) | 9.4979% | 1,116 |
| Net charge-offs to loans | 0.9275% | 1,190 |
| Credit loss provision to net charge-offs | 38.8266% | 4,294 |
| Earnings coverage of net charge-offs (x) | 3.0052% | 3,546 |
| Efficiency ratio | 62.9704% | 5,084 |
| Assets per employee ($millions) | 3.3607% | 5,300 |
| Cash dividends to net income (ytd only)* | 49.5804% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,984 |
| Loan loss allowance to noncurrent loans | 86.4689% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 2.1713% | 2,576 |
| Noncurrent loans to loans | 1.2086% | 4,137 |
| Net loans and leases to total assets | 71.1630% | 1,705 |
| Net loans and leases to deposits | 87.4725% | 1,426 |
| Net loans and leases to core deposits | 98.9281% | 1,177 |
| Total domestic deposits to total assets | 81.3546% | 5,347 |
| Equity capital to assets | 9.9576% | 4,405 |
| Core capital (leverage) ratio | 9.8473% | 3,650 |
| Tier 1 risk-based capital ratio | 12.8170% | 5,324 |
| Total risk-based capital ratio | 13.7956% | 5,517 |
| Memoranda: | ||
| Average total assets | $356,216,670 | 1,845 |
| Average earning assets | $332,460,000 | 1,808 |
| Average equity | $34,155,000 | 2,024 |
| Average total loans | $249,917,330 | 1,665 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 1,451 |
| Cost of funding earning assets | 0.9245% | 2,479 |
| Net interest margin | 4.2196% | 1,706 |
| Noninterest income to average assets | 1.1333% | 1,094 |
| Noninterest expense to average assets | 3.1664% | 2,710 |
| Loan and lease loss provision to assets | 0.2515% | 2,443 |
| Net operating income to assets | 1.6586% | 780 |
| Return on assets (ROA) | 1.6586% | 871 |
| Pretax return on assets | 1.6586% | 1,411 |
| Return on Equity (ROE) | 17.6333% | 591 |
| Retained earnings to average equity (ytd only) | 6.6422% | 2,611 |
| Net charge-offs to loans | 0.0355% | 4,196 |
| Credit loss provision to net charge-offs | 1,022.7273% | 334 |
| Earnings coverage of net charge-offs (x) | 77.6818% | 431 |
| Efficiency ratio | 62.3734% | 5,206 |
| Assets per employee ($millions) | 3.4573% | 5,217 |
| Cash dividends to net income (ytd only)* | 62.3315% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 4,371 |
| Loan loss allowance to noncurrent loans | 153.7301% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 3,345 |
| Noncurrent loans to loans | 0.9438% | 4,788 |
| Net loans and leases to total assets | 66.7059% | 2,350 |
| Net loans and leases to deposits | 82.3595% | 1,881 |
| Net loans and leases to core deposits | 92.3486% | 1,616 |
| Total domestic deposits to total assets | 80.9935% | 5,611 |
| Equity capital to assets | 9.3479% | 5,032 |
| Core capital (leverage) ratio | 9.6173% | 3,894 |
| Tier 1 risk-based capital ratio | 13.0375% | 5,190 |
| Total risk-based capital ratio | 14.2926% | 5,148 |
| Memoranda: | ||
| Average total assets | $357,887,000 | 1,848 |
| Average earning assets | $334,437,000 | 1,807 |
| Average equity | $33,663,500 | 2,056 |
| Average total loans | $247,991,500 | 1,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 887 |
| Cost of funding earning assets | 1.0310% | 3,158 |
| Net interest margin | 4.6064% | 913 |
| Noninterest income to average assets | 0.9222% | 1,597 |
| Noninterest expense to average assets | 3.3622% | 2,333 |
| Loan and lease loss provision to assets | 0.2623% | 3,595 |
| Net operating income to assets | 1.5655% | 722 |
| Return on assets (ROA) | 1.6393% | 666 |
| Pretax return on assets | 1.6393% | 1,126 |
| Return on Equity (ROE) | 17.4476% | 430 |
| Retained earnings to average equity (ytd only) | 7.5977% | 1,227 |
| Net charge-offs to loans | 0.2412% | 4,270 |
| Credit loss provision to net charge-offs | 150.2504% | 1,878 |
| Earnings coverage of net charge-offs (x) | 10.4691% | 1,835 |
| Efficiency ratio | 64.7815% | 4,990 |
| Assets per employee ($millions) | 3.4249% | 5,191 |
| Cash dividends to net income (ytd only)* | 56.4545% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 4,692 |
| Loan loss allowance to noncurrent loans | 206.2577% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 3,621 |
| Noncurrent loans to loans | 0.6513% | 5,400 |
| Net loans and leases to total assets | 69.9921% | 2,030 |
| Net loans and leases to deposits | 86.9500% | 1,539 |
| Net loans and leases to core deposits | 96.1367% | 1,480 |
| Total domestic deposits to total assets | 80.4970% | 5,593 |
| Equity capital to assets | 9.4662% | 4,933 |
| Core capital (leverage) ratio | 9.3083% | 4,315 |
| Tier 1 risk-based capital ratio | 12.3360% | 5,590 |
| Total risk-based capital ratio | 13.5824% | 5,567 |
| Memoranda: | ||
| Average total assets | $343,080,200 | 1,888 |
| Average earning assets | $317,859,800 | 1,851 |
| Average equity | $32,233,600 | 2,068 |
| Average total loans | $248,387,800 | 1,685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 802 |
| Cost of funding earning assets | 1.0462% | 3,345 |
| Net interest margin | 4.6861% | 786 |
| Noninterest income to average assets | 0.8411% | 1,870 |
| Noninterest expense to average assets | 3.3718% | 2,274 |
| Loan and lease loss provision to assets | 0.3229% | 2,948 |
| Net operating income to assets | 1.4818% | 981 |
| Return on assets (ROA) | 1.5808% | 873 |
| Pretax return on assets | 1.5808% | 1,430 |
| Return on Equity (ROE) | 16.8584% | 581 |
| Retained earnings to average equity (ytd only) | 11.1193% | 611 |
| Net charge-offs to loans | 0.0936% | 5,039 |
| Credit loss provision to net charge-offs | 474.1379% | 589 |
| Earnings coverage of net charge-offs (x) | 26.5005% | 1,015 |
| Efficiency ratio | 65.1369% | 4,869 |
| Assets per employee ($millions) | 3.4513% | 5,118 |
| Cash dividends to net income (ytd only)* | 34.0431% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 4,101 |
| Loan loss allowance to noncurrent loans | 124.9411% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6452% | 3,618 |
| Noncurrent loans to loans | 1.2002% | 4,536 |
| Net loans and leases to total assets | 69.9478% | 2,089 |
| Net loans and leases to deposits | 87.4639% | 1,500 |
| Net loans and leases to core deposits | 92.9540% | 1,890 |
| Total domestic deposits to total assets | 79.9733% | 5,749 |
| Equity capital to assets | 9.6724% | 4,820 |
| Core capital (leverage) ratio | 9.5072% | 4,135 |
| Tier 1 risk-based capital ratio | 12.6297% | 5,385 |
| Total risk-based capital ratio | 13.8818% | 5,369 |
| Memoranda: | ||
| Average total assets | $340,660,000 | 1,912 |
| Average earning assets | $315,162,000 | 1,880 |
| Average equity | $31,943,750 | 2,079 |
| Average total loans | $247,918,000 | 1,702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8334% | 674 |
| Cost of funding earning assets | 1.0636% | 3,521 |
| Net interest margin | 4.7698% | 632 |
| Noninterest income to average assets | 0.8372% | 1,852 |
| Noninterest expense to average assets | 3.3862% | 2,302 |
| Loan and lease loss provision to assets | 0.4438% | 2,218 |
| Net operating income to assets | 1.4041% | 1,072 |
| Return on assets (ROA) | 1.4041% | 1,136 |
| Pretax return on assets | 1.4041% | 1,788 |
| Return on Equity (ROE) | 15.1373% | 781 |
| Retained earnings to average equity (ytd only) | 10.9910% | 666 |
| Net charge-offs to loans | 0.1137% | 4,565 |
| Credit loss provision to net charge-offs | 531.9149% | 577 |
| Earnings coverage of net charge-offs (x) | 22.1489% | 1,127 |
| Efficiency ratio | 64.6959% | 5,109 |
| Assets per employee ($millions) | 3.9021% | 3,988 |
| Cash dividends to net income (ytd only)* | 27.3915% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,392 |
| Loan loss allowance to noncurrent loans | 4,645.5696% | 111 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 4,852 |
| Noncurrent loans to loans | 0.0310% | 6,906 |
| Net loans and leases to total assets | 71.4903% | 1,884 |
| Net loans and leases to deposits | 91.8414% | 1,078 |
| Net loans and leases to core deposits | 96.8469% | 1,605 |
| Total domestic deposits to total assets | 77.8410% | 6,318 |
| Equity capital to assets | 9.2603% | 5,194 |
| Core capital (leverage) ratio | 9.5076% | 3,947 |
| Tier 1 risk-based capital ratio | 11.9477% | 5,824 |
| Total risk-based capital ratio | 13.1989% | 5,805 |
| Memoranda: | ||
| Average total assets | $338,020,000 | 1,926 |
| Average earning assets | $311,583,000 | 1,907 |
| Average equity | $31,353,000 | 2,105 |
| Average total loans | $248,045,330 | 1,719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 1,182 |
| Cost of funding earning assets | 1.1010% | 3,511 |
| Net interest margin | 4.4461% | 1,182 |
| Noninterest income to average assets | 0.7374% | 2,333 |
| Noninterest expense to average assets | 3.4999% | 2,000 |
| Loan and lease loss provision to assets | 0.5431% | 1,597 |
| Net operating income to assets | 0.7784% | 3,128 |
| Return on assets (ROA) | 0.7784% | 3,200 |
| Pretax return on assets | 0.7784% | 3,977 |
| Return on Equity (ROE) | 8.3851% | 2,744 |
| Retained earnings to average equity (ytd only) | 6.4350% | 2,403 |
| Net charge-offs to loans | 0.2027% | 3,293 |
| Credit loss provision to net charge-offs | 362.9032% | 901 |
| Earnings coverage of net charge-offs (x) | 8.8306% | 1,781 |
| Efficiency ratio | 72.5907% | 3,753 |
| Assets per employee ($millions) | 3.8351% | 4,224 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,791 |
| Loan loss allowance to noncurrent loans | 4,181.4815% | 114 |
| Noncurrent assets plus other real estate owned to assets | 2.2335% | 3,024 |
| Noncurrent loans to loans | 0.0329% | 6,975 |
| Net loans and leases to total assets | 72.0348% | 1,719 |
| Net loans and leases to deposits | 95.1444% | 741 |
| Net loans and leases to core deposits | 100.5896% | 1,291 |
| Total domestic deposits to total assets | 75.7111% | 6,713 |
| Equity capital to assets | 9.2071% | 4,860 |
| Core capital (leverage) ratio | 9.3039% | 4,120 |
| Tier 1 risk-based capital ratio | 11.5932% | 6,030 |
| Total risk-based capital ratio | 12.8448% | 6,013 |
| Memoranda: | ||
| Average total assets | $331,435,500 | 1,976 |
| Average earning assets | $304,446,000 | 1,959 |
| Average equity | $30,769,000 | 2,126 |
| Average total loans | $244,700,000 | 1,758 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 2,204 |
| Cost of funding earning assets | 1.3293% | 3,692 |
| Net interest margin | 4.1905% | 2,224 |
| Noninterest income to average assets | 0.7988% | 2,295 |
| Noninterest expense to average assets | 3.2475% | 2,924 |
| Loan and lease loss provision to assets | 0.7480% | 2,197 |
| Net operating income to assets | 0.7146% | 3,173 |
| Return on assets (ROA) | 0.8059% | 2,906 |
| Pretax return on assets | 0.8059% | 3,609 |
| Return on Equity (ROE) | 8.3436% | 2,556 |
| Retained earnings to average equity (ytd only) | 0.4388% | 5,356 |
| Net charge-offs to loans | 0.8177% | 2,592 |
| Credit loss provision to net charge-offs | 126.1830% | 3,214 |
| Earnings coverage of net charge-offs (x) | 2.4674% | 3,888 |
| Efficiency ratio | 68.8017% | 4,406 |
| Assets per employee ($millions) | 3.9202% | 3,964 |
| Cash dividends to net income (ytd only)* | 94.7409% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 5,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0597% | 3,273 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 73.7110% | 1,715 |
| Net loans and leases to deposits | 94.3728% | 1,026 |
| Net loans and leases to core deposits | 99.8505% | 1,632 |
| Total domestic deposits to total assets | 78.1062% | 6,291 |
| Equity capital to assets | 9.3629% | 4,596 |
| Core capital (leverage) ratio | 9.5964% | 3,560 |
| Tier 1 risk-based capital ratio | 11.8435% | 5,621 |
| Total risk-based capital ratio | 13.0176% | 5,677 |
| Memoranda: | ||
| Average total assets | $320,865,200 | 2,030 |
| Average earning assets | $299,489,600 | 1,982 |
| Average equity | $30,993,800 | 2,117 |
| Average total loans | $232,599,200 | 1,879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 2,637 |
| Cost of funding earning assets | 1.4019% | 3,574 |
| Net interest margin | 4.0499% | 2,857 |
| Noninterest income to average assets | 0.8052% | 2,209 |
| Noninterest expense to average assets | 3.1859% | 2,976 |
| Loan and lease loss provision to assets | 0.4483% | 3,228 |
| Net operating income to assets | 0.9620% | 2,365 |
| Return on assets (ROA) | 1.0842% | 2,061 |
| Pretax return on assets | 1.0842% | 2,879 |
| Return on Equity (ROE) | 11.1372% | 1,744 |
| Retained earnings to average equity (ytd only) | 2.7843% | 4,484 |
| Net charge-offs to loans | 0.9286% | 2,138 |
| Credit loss provision to net charge-offs | 67.1036% | 5,507 |
| Earnings coverage of net charge-offs (x) | 2.1111% | 4,143 |
| Efficiency ratio | 69.1163% | 4,243 |
| Assets per employee ($millions) | 3.7653% | 4,351 |
| Cash dividends to net income (ytd only)* | 75.0001% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,888 |
| Loan loss allowance to noncurrent loans | 41.5680% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.1895% | 3,219 |
| Noncurrent loans to loans | 2.0452% | 3,626 |
| Net loans and leases to total assets | 73.3315% | 1,943 |
| Net loans and leases to deposits | 96.4512% | 930 |
| Net loans and leases to core deposits | 101.1381% | 1,734 |
| Total domestic deposits to total assets | 76.0297% | 6,646 |
| Equity capital to assets | 9.7136% | 4,527 |
| Core capital (leverage) ratio | 9.8594% | 3,420 |
| Tier 1 risk-based capital ratio | 12.2556% | 5,213 |
| Total risk-based capital ratio | 13.0505% | 5,619 |
| Memoranda: | ||
| Average total assets | $319,736,500 | 2,067 |
| Average earning assets | $299,292,750 | 2,014 |
| Average equity | $31,126,000 | 2,121 |
| Average total loans | $230,023,500 | 1,920 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4640% | 2,686 |
| Cost of funding earning assets | 1.4776% | 3,382 |
| Net interest margin | 3.9865% | 3,084 |
| Noninterest income to average assets | 0.7984% | 2,125 |
| Noninterest expense to average assets | 3.1522% | 3,084 |
| Loan and lease loss provision to assets | 0.3612% | 3,543 |
| Net operating income to assets | 1.0221% | 2,108 |
| Return on assets (ROA) | 1.0221% | 2,184 |
| Pretax return on assets | 1.0221% | 3,036 |
| Return on Equity (ROE) | 10.4911% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.0758% | 4,145 |
| Net charge-offs to loans | 1.1081% | 1,709 |
| Credit loss provision to net charge-offs | 45.7438% | 5,508 |
| Earnings coverage of net charge-offs (x) | 1.7518% | 4,203 |
| Efficiency ratio | 69.2798% | 4,321 |
| Assets per employee ($millions) | 3.7935% | 4,235 |
| Cash dividends to net income (ytd only)* | 70.6822% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 6,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 6,467 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.4117% | 2,299 |
| Net loans and leases to deposits | 93.2896% | 1,367 |
| Net loans and leases to core deposits | 97.9971% | 2,230 |
| Total domestic deposits to total assets | 77.6204% | 6,363 |
| Equity capital to assets | 9.9901% | 4,036 |
| Core capital (leverage) ratio | 9.8711% | 3,314 |
| Tier 1 risk-based capital ratio | 12.6421% | 4,741 |
| Total risk-based capital ratio | 13.4040% | 5,148 |
| Memoranda: | ||
| Average total assets | $318,377,670 | 2,085 |
| Average earning assets | $298,460,670 | 2,035 |
| Average equity | $31,016,670 | 2,125 |
| Average total loans | $226,867,000 | 1,966 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 3,250 |
| Cost of funding earning assets | 1.5460% | 3,296 |
| Net interest margin | 3.8122% | 3,744 |
| Noninterest income to average assets | 0.7884% | 2,078 |
| Noninterest expense to average assets | 3.0700% | 3,391 |
| Loan and lease loss provision to assets | 0.2811% | 3,783 |
| Net operating income to assets | 1.0083% | 2,147 |
| Return on assets (ROA) | 1.0083% | 2,209 |
| Pretax return on assets | 1.0083% | 3,058 |
| Return on Equity (ROE) | 10.4814% | 1,956 |
| Retained earnings to average equity (ytd only) | -1.2079% | 6,082 |
| Net charge-offs to loans | 1.5371% | 1,133 |
| Credit loss provision to net charge-offs | 25.9815% | 4,875 |
| Earnings coverage of net charge-offs (x) | 1.1917% | 4,052 |
| Efficiency ratio | 70.1920% | 4,264 |
| Assets per employee ($millions) | 3.6947% | 4,585 |
| Cash dividends to net income (ytd only)* | 111.5242% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 6,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 6,688 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.2128% | 2,884 |
| Net loans and leases to deposits | 95.8827% | 1,121 |
| Net loans and leases to core deposits | 101.2173% | 2,004 |
| Total domestic deposits to total assets | 73.2278% | 7,139 |
| Equity capital to assets | 9.6644% | 4,282 |
| Core capital (leverage) ratio | 9.6403% | 3,586 |
| Tier 1 risk-based capital ratio | 12.7086% | 4,550 |
| Total risk-based capital ratio | 13.5059% | 4,911 |
| Memoranda: | ||
| Average total assets | $320,135,500 | 2,126 |
| Average earning assets | $299,875,500 | 2,076 |
| Average equity | $30,797,500 | 2,157 |
| Average total loans | $225,361,500 | 2,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8243% | 2,555 |
| Cost of funding earning assets | 1.9374% | 3,264 |
| Net interest margin | 3.8869% | 3,322 |
| Noninterest income to average assets | 0.7027% | 2,950 |
| Noninterest expense to average assets | 3.4857% | 2,406 |
| Loan and lease loss provision to assets | 0.3989% | 4,416 |
| Net operating income to assets | 0.3764% | 4,227 |
| Return on assets (ROA) | 0.7691% | 2,735 |
| Pretax return on assets | 0.7691% | 3,347 |
| Return on Equity (ROE) | 7.7004% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.8102% | 3,199 |
| Net charge-offs to loans | 0.4162% | 4,148 |
| Credit loss provision to net charge-offs | 133.8798% | 3,723 |
| Earnings coverage of net charge-offs (x) | 2.6022% | 3,816 |
| Efficiency ratio | 81.5604% | 2,663 |
| Assets per employee ($millions) | 3.9333% | 3,949 |
| Cash dividends to net income (ytd only)* | 63.5055% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,717 |
| Loan loss allowance to noncurrent loans | 137.6477% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 5,798 |
| Noncurrent loans to loans | 0.8250% | 5,641 |
| Net loans and leases to total assets | 69.1852% | 3,441 |
| Net loans and leases to deposits | 94.0487% | 1,588 |
| Net loans and leases to core deposits | 125.9332% | 1,518 |
| Total domestic deposits to total assets | 73.5631% | 7,078 |
| Equity capital to assets | 9.5766% | 4,300 |
| Core capital (leverage) ratio | 9.6426% | 3,532 |
| Tier 1 risk-based capital ratio | 12.4051% | 4,591 |
| Total risk-based capital ratio | 13.4401% | 4,739 |
| Memoranda: | ||
| Average total assets | $307,109,000 | 2,175 |
| Average earning assets | $281,147,800 | 2,178 |
| Average equity | $30,673,800 | 2,184 |
| Average total loans | $219,866,200 | 2,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 2,826 |
| Cost of funding earning assets | 1.9905% | 3,407 |
| Net interest margin | 3.8228% | 3,564 |
| Noninterest income to average assets | 0.7193% | 2,888 |
| Noninterest expense to average assets | 3.3885% | 2,615 |
| Loan and lease loss provision to assets | 0.3407% | 4,288 |
| Net operating income to assets | 0.4740% | 4,099 |
| Return on assets (ROA) | 0.7668% | 3,016 |
| Pretax return on assets | 0.7668% | 3,637 |
| Return on Equity (ROE) | 7.5939% | 2,818 |
| Retained earnings to average equity (ytd only) | 3.2396% | 3,504 |
| Net charge-offs to loans | 0.5824% | 2,930 |
| Credit loss provision to net charge-offs | 81.2369% | 5,731 |
| Earnings coverage of net charge-offs (x) | 1.9423% | 4,360 |
| Efficiency ratio | 80.3661% | 2,789 |
| Assets per employee ($millions) | 3.8414% | 4,097 |
| Cash dividends to net income (ytd only)* | 57.3393% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 5,398 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 69.6877% | 3,581 |
| Net loans and leases to deposits | 94.4025% | 1,806 |
| Net loans and leases to core deposits | 127.6884% | 1,606 |
| Total domestic deposits to total assets | 73.8198% | 6,984 |
| Equity capital to assets | 9.9820% | 4,114 |
| Core capital (leverage) ratio | 9.9515% | 3,336 |
| Tier 1 risk-based capital ratio | 12.6815% | 4,405 |
| Total risk-based capital ratio | 13.5412% | 4,656 |
| Memoranda: | ||
| Average total assets | $303,254,500 | 2,208 |
| Average earning assets | $276,373,250 | 2,221 |
| Average equity | $30,620,500 | 2,211 |
| Average total loans | $218,406,750 | 2,141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 2,898 |
| Cost of funding earning assets | 2.0194% | 3,684 |
| Net interest margin | 3.8114% | 3,509 |
| Noninterest income to average assets | 0.6926% | 3,032 |
| Noninterest expense to average assets | 3.4948% | 2,352 |
| Loan and lease loss provision to assets | 0.3326% | 3,942 |
| Net operating income to assets | 0.3320% | 4,755 |
| Return on assets (ROA) | 0.5928% | 3,815 |
| Pretax return on assets | 0.5928% | 4,341 |
| Return on Equity (ROE) | 5.8475% | 3,724 |
| Retained earnings to average equity (ytd only) | 2.5661% | 3,900 |
| Net charge-offs to loans | 0.7432% | 2,194 |
| Credit loss provision to net charge-offs | 61.6523% | 5,567 |
| Earnings coverage of net charge-offs (x) | 1.2318% | 4,612 |
| Efficiency ratio | 83.7652% | 2,507 |
| Assets per employee ($millions) | 3.7714% | 4,175 |
| Cash dividends to net income (ytd only)* | 56.1167% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,831 |
| Loan loss allowance to noncurrent loans | 253.1943% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 5,156 |
| Noncurrent loans to loans | 0.3495% | 6,639 |
| Net loans and leases to total assets | 71.1922% | 3,426 |
| Net loans and leases to deposits | 96.8899% | 1,669 |
| Net loans and leases to core deposits | 127.1682% | 1,771 |
| Total domestic deposits to total assets | 73.4774% | 7,041 |
| Equity capital to assets | 9.9625% | 3,992 |
| Core capital (leverage) ratio | 9.8820% | 3,415 |
| Tier 1 risk-based capital ratio | 12.4334% | 4,573 |
| Total risk-based capital ratio | 13.2321% | 4,855 |
| Memoranda: | ||
| Average total assets | $300,622,330 | 2,255 |
| Average earning assets | $273,441,000 | 2,262 |
| Average equity | $30,474,330 | 2,235 |
| Average total loans | $218,239,670 | 2,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8352% | 3,117 |
| Cost of funding earning assets | 2.0714% | 3,787 |
| Net interest margin | 3.7638% | 3,603 |
| Noninterest income to average assets | 0.7096% | 2,828 |
| Noninterest expense to average assets | 3.3831% | 2,405 |
| Loan and lease loss provision to assets | 0.3689% | 3,113 |
| Net operating income to assets | 0.3676% | 4,984 |
| Return on assets (ROA) | 0.8934% | 2,880 |
| Pretax return on assets | 0.8934% | 3,746 |
| Return on Equity (ROE) | 8.7360% | 2,825 |
| Retained earnings to average equity (ytd only) | 2.1774% | 4,662 |
| Net charge-offs to loans | 0.8693% | 1,502 |
| Credit loss provision to net charge-offs | 58.1395% | 4,551 |
| Earnings coverage of net charge-offs (x) | 1.1607% | 4,174 |
| Efficiency ratio | 81.8626% | 2,552 |
| Assets per employee ($millions) | 4.0325% | 3,596 |
| Cash dividends to net income (ytd only)* | 75.0751% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,531 |
| Loan loss allowance to noncurrent loans | 51,375.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 4,720 |
| Noncurrent loans to loans | 0.0018% | 7,585 |
| Net loans and leases to total assets | 69.3714% | 3,827 |
| Net loans and leases to deposits | 98.4357% | 1,604 |
| Net loans and leases to core deposits | 128.4029% | 1,752 |
| Total domestic deposits to total assets | 70.4738% | 7,385 |
| Equity capital to assets | 9.8356% | 4,199 |
| Core capital (leverage) ratio | 10.0171% | 3,386 |
| Tier 1 risk-based capital ratio | 12.0497% | 4,923 |
| Total risk-based capital ratio | 12.8741% | 5,188 |
| Memoranda: | ||
| Average total assets | $298,190,000 | 2,281 |
| Average earning assets | $270,151,500 | 2,292 |
| Average equity | $30,494,500 | 2,231 |
| Average total loans | $217,647,000 | 2,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3913% | 3,465 |
| Cost of funding earning assets | 2.5122% | 4,141 |
| Net interest margin | 3.8791% | 3,663 |
| Noninterest income to average assets | 0.8156% | 2,427 |
| Noninterest expense to average assets | 3.5391% | 2,292 |
| Loan and lease loss provision to assets | 0.2124% | 4,769 |
| Net operating income to assets | 0.5544% | 4,508 |
| Return on assets (ROA) | 0.5993% | 4,171 |
| Pretax return on assets | 0.5993% | 4,694 |
| Return on Equity (ROE) | 5.6642% | 4,091 |
| Retained earnings to average equity (ytd only) | 2.3185% | 3,757 |
| Net charge-offs to loans | 0.1315% | 4,910 |
| Credit loss provision to net charge-offs | 224.7191% | 2,116 |
| Earnings coverage of net charge-offs (x) | 8.1124% | 2,938 |
| Efficiency ratio | 81.9288% | 2,309 |
| Assets per employee ($millions) | 3.4863% | 4,708 |
| Cash dividends to net income (ytd only)* | 59.0667% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,752 |
| Loan loss allowance to noncurrent loans | 81.2185% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 3,594 |
| Noncurrent loans to loans | 1.2734% | 3,962 |
| Net loans and leases to total assets | 75.4121% | 2,777 |
| Net loans and leases to deposits | 112.8068% | 668 |
| Net loans and leases to core deposits | 150.8400% | 822 |
| Total domestic deposits to total assets | 66.8507% | 7,588 |
| Equity capital to assets | 10.6511% | 3,343 |
| Core capital (leverage) ratio | 10.1719% | 3,299 |
| Tier 1 risk-based capital ratio | 12.0595% | 4,774 |
| Total risk-based capital ratio | 12.9693% | 4,946 |
| Memoranda: | ||
| Average total assets | $282,474,800 | 2,302 |
| Average earning assets | $254,159,600 | 2,331 |
| Average equity | $29,889,400 | 2,267 |
| Average total loans | $202,972,400 | 2,270 |