Home > Western Commerce Bank > Performance and Condition Ratios
Western Commerce Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2250% | 1,617 |
| Cost of funding earning assets | 0.2495% | 4,416 |
| Net interest margin | 4.9755% | 325 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0328% | 3,547 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 3.1033% | 144 |
| Return on assets (ROA) | 3.0922% | 145 |
| Pretax return on assets | 3.0922% | 189 |
| Return on Equity (ROE) | 37.9000% | 99 |
| Retained earnings to average equity (ytd only) | 13.0384% | 497 |
| Net charge-offs to loans | 0.0413% | 1,493 |
| Credit loss provision to net charge-offs | 182.9268% | 1,293 |
| Earnings coverage of net charge-offs (x) | 142.2927% | 734 |
| Efficiency ratio | 39.2703% | 4,378 |
| Assets per employee ($millions) | 8.1586% | 1,355 |
| Cash dividends to net income (ytd only)* | 65.5964% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,247 |
| Loan loss allowance to noncurrent loans | 158.7235% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 1,309 |
| Noncurrent loans to loans | 0.7616% | 1,021 |
| Net loans and leases to total assets | 54.9600% | 3,281 |
| Net loans and leases to deposits | 60.6817% | 3,484 |
| Net loans and leases to core deposits | 62.9308% | 3,640 |
| Total domestic deposits to total assets | 90.5700% | 611 |
| Equity capital to assets | 8.8835% | 2,759 |
| Core capital (leverage) ratio | 9.0346% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7555% | 627 |
| Memoranda: | ||
| Average total assets | $742,308,600 | 1,255 |
| Average earning assets | $718,715,000 | 1,205 |
| Average equity | $60,567,400 | 1,390 |
| Average total loans | $397,329,800 | 1,481 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 1,731 |
| Cost of funding earning assets | 0.2224% | 4,421 |
| Net interest margin | 4.8278% | 397 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.9082% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.1181% | 166 |
| Return on assets (ROA) | 3.1031% | 168 |
| Pretax return on assets | 3.1031% | 213 |
| Return on Equity (ROE) | 38.9700% | 124 |
| Retained earnings to average equity (ytd only) | 4.4357% | 3,130 |
| Net charge-offs to loans | 0.0693% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 84.9403% | 1,011 |
| Efficiency ratio | 37.9637% | 4,410 |
| Assets per employee ($millions) | 7.7506% | 1,481 |
| Cash dividends to net income (ytd only)* | 88.6175% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,494 |
| Loan loss allowance to noncurrent loans | 327.3145% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,267 |
| Noncurrent loans to loans | 0.3592% | 1,942 |
| Net loans and leases to total assets | 55.1600% | 3,274 |
| Net loans and leases to deposits | 60.6989% | 3,463 |
| Net loans and leases to core deposits | 63.0596% | 3,574 |
| Total domestic deposits to total assets | 90.8800% | 701 |
| Equity capital to assets | 8.4676% | 2,748 |
| Core capital (leverage) ratio | 8.3170% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2154% | 793 |
| Memoranda: | ||
| Average total assets | $730,039,500 | 1,265 |
| Average earning assets | $707,438,000 | 1,217 |
| Average equity | $58,133,500 | 1,415 |
| Average total loans | $386,593,250 | 1,507 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 2,027 |
| Cost of funding earning assets | 0.2135% | 4,419 |
| Net interest margin | 4.5713% | 562 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8498% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.9256% | 163 |
| Return on assets (ROA) | 2.9186% | 161 |
| Pretax return on assets | 2.9186% | 223 |
| Return on Equity (ROE) | 37.4900% | 123 |
| Retained earnings to average equity (ytd only) | -7.3155% | 4,474 |
| Net charge-offs to loans | 0.1080% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 52.1535% | 1,271 |
| Efficiency ratio | 38.7358% | 4,424 |
| Assets per employee ($millions) | 7.7309% | 1,453 |
| Cash dividends to net income (ytd only)* | 119.5147% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,409 |
| Loan loss allowance to noncurrent loans | 123.6725% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 1,041 |
| Noncurrent loans to loans | 0.9747% | 774 |
| Net loans and leases to total assets | 52.8400% | 3,347 |
| Net loans and leases to deposits | 57.7776% | 3,550 |
| Net loans and leases to core deposits | 60.2212% | 3,623 |
| Total domestic deposits to total assets | 91.4500% | 516 |
| Equity capital to assets | 7.8042% | 3,348 |
| Core capital (leverage) ratio | 7.7267% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5172% | 1,032 |
| Memoranda: | ||
| Average total assets | $720,200,667 | 1,267 |
| Average earning assets | $698,976,000 | 1,226 |
| Average equity | $56,072,667 | 1,456 |
| Average total loans | $374,134,000 | 1,526 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 2,057 |
| Cost of funding earning assets | 0.1914% | 4,396 |
| Net interest margin | 4.4208% | 656 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.8906% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7525% | 193 |
| Return on assets (ROA) | 2.7525% | 188 |
| Pretax return on assets | 2.7525% | 265 |
| Return on Equity (ROE) | 35.4000% | 156 |
| Retained earnings to average equity (ytd only) | -12.0202% | 4,512 |
| Net charge-offs to loans | 0.0609% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 88.4074% | 849 |
| Efficiency ratio | 40.7177% | 4,431 |
| Assets per employee ($millions) | 8.2086% | 1,243 |
| Cash dividends to net income (ytd only)* | 133.9548% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,327 |
| Loan loss allowance to noncurrent loans | 135.7798% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 1,113 |
| Noncurrent loans to loans | 0.9140% | 827 |
| Net loans and leases to total assets | 49.4700% | 3,533 |
| Net loans and leases to deposits | 53.4953% | 3,717 |
| Net loans and leases to core deposits | 55.5043% | 3,765 |
| Total domestic deposits to total assets | 92.4800% | 406 |
| Equity capital to assets | 7.4399% | 3,594 |
| Core capital (leverage) ratio | 7.5637% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3164% | 804 |
| Memoranda: | ||
| Average total assets | $693,757,500 | 1,322 |
| Average earning assets | $675,177,000 | 1,275 |
| Average equity | $53,942,500 | 1,517 |
| Average total loans | $354,466,500 | 1,600 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 1,603 |
| Cost of funding earning assets | 0.0995% | 4,393 |
| Net interest margin | 3.9457% | 868 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.9611% | 3,682 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.2856% | 186 |
| Return on assets (ROA) | 2.2877% | 177 |
| Pretax return on assets | 2.2877% | 269 |
| Return on Equity (ROE) | 30.1800% | 118 |
| Retained earnings to average equity (ytd only) | 15.5717% | 249 |
| Net charge-offs to loans | 0.0155% | 1,812 |
| Credit loss provision to net charge-offs | 86.5385% | 1,650 |
| Earnings coverage of net charge-offs (x) | 283.8654% | 508 |
| Efficiency ratio | 46.1041% | 4,338 |
| Assets per employee ($millions) | 7.8298% | 1,423 |
| Cash dividends to net income (ytd only)* | 48.4114% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 1,991 |
| Loan loss allowance to noncurrent loans | 795.3982% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 2,961 |
| Noncurrent loans to loans | 0.1609% | 2,686 |
| Net loans and leases to total assets | 51.4900% | 3,393 |
| Net loans and leases to deposits | 56.0810% | 3,573 |
| Net loans and leases to core deposits | 58.4107% | 3,591 |
| Total domestic deposits to total assets | 91.8100% | 686 |
| Equity capital to assets | 8.1312% | 2,974 |
| Core capital (leverage) ratio | 7.9910% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2510% | 694 |
| Memoranda: | ||
| Average total assets | $643,870,400 | 1,396 |
| Average earning assets | $624,198,200 | 1,339 |
| Average equity | $48,800,000 | 1,652 |
| Average total loans | $336,118,200 | 1,585 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 2,235 |
| Cost of funding earning assets | 0.0794% | 4,424 |
| Net interest margin | 3.5583% | 1,494 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.9133% | 3,722 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.9416% | 319 |
| Return on assets (ROA) | 1.9446% | 312 |
| Pretax return on assets | 1.9446% | 523 |
| Return on Equity (ROE) | 26.1600% | 161 |
| Retained earnings to average equity (ytd only) | 6.0646% | 2,732 |
| Net charge-offs to loans | 0.0213% | 1,408 |
| Credit loss provision to net charge-offs | 84.9057% | 1,401 |
| Earnings coverage of net charge-offs (x) | 175.7358% | 673 |
| Efficiency ratio | 49.5121% | 4,187 |
| Assets per employee ($millions) | 8.3172% | 1,163 |
| Cash dividends to net income (ytd only)* | 76.8178% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,970 |
| Loan loss allowance to noncurrent loans | 311.7974% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 2,183 |
| Noncurrent loans to loans | 0.4216% | 1,756 |
| Net loans and leases to total assets | 50.0700% | 3,454 |
| Net loans and leases to deposits | 54.0838% | 3,599 |
| Net loans and leases to core deposits | 56.5865% | 3,593 |
| Total domestic deposits to total assets | 92.5800% | 688 |
| Equity capital to assets | 7.3188% | 3,321 |
| Core capital (leverage) ratio | 7.4167% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5786% | 914 |
| Memoranda: | ||
| Average total assets | $636,496,250 | 1,421 |
| Average earning assets | $616,497,750 | 1,366 |
| Average equity | $47,311,750 | 1,706 |
| Average total loans | $332,352,000 | 1,595 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 2,252 |
| Cost of funding earning assets | 0.0625% | 4,510 |
| Net interest margin | 3.3986% | 1,613 |
| Noninterest income to average assets | 0.4297% | 2,572 |
| Noninterest expense to average assets | 1.9439% | 3,590 |
| Loan and lease loss provision to assets | 0.0144% | 2,333 |
| Net operating income to assets | 1.7635% | 366 |
| Return on assets (ROA) | 1.7680% | 358 |
| Pretax return on assets | 1.7680% | 643 |
| Return on Equity (ROE) | 23.6543% | 147 |
| Retained earnings to average equity (ytd only) | -1.3892% | 4,330 |
| Net charge-offs to loans | 0.0279% | 1,162 |
| Credit loss provision to net charge-offs | 97.8261% | 1,313 |
| Earnings coverage of net charge-offs (x) | 120.6087% | 732 |
| Efficiency ratio | 52.2301% | 4,112 |
| Assets per employee ($millions) | 7.5295% | 1,590 |
| Cash dividends to net income (ytd only)* | 105.8728% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,005 |
| Loan loss allowance to noncurrent loans | 892.6587% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,162 |
| Noncurrent loans to loans | 0.1502% | 2,944 |
| Net loans and leases to total assets | 53.6201% | 3,005 |
| Net loans and leases to deposits | 58.0717% | 3,221 |
| Net loans and leases to core deposits | 61.6797% | 3,141 |
| Total domestic deposits to total assets | 92.3342% | 712 |
| Equity capital to assets | 7.5848% | 3,415 |
| Core capital (leverage) ratio | 7.8091% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7966% | 883 |
| Memoranda: | ||
| Average total assets | $624,097,333 | 1,450 |
| Average earning assets | $604,545,333 | 1,392 |
| Average equity | $46,647,000 | 1,774 |
| Average total loans | $329,199,333 | 1,600 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3195% | 2,323 |
| Cost of funding earning assets | 0.0625% | 4,511 |
| Net interest margin | 3.2570% | 1,694 |
| Noninterest income to average assets | 0.4679% | 2,314 |
| Noninterest expense to average assets | 1.9400% | 3,574 |
| Loan and lease loss provision to assets | 0.0287% | 1,851 |
| Net operating income to assets | 1.6563% | 448 |
| Return on assets (ROA) | 1.6563% | 450 |
| Pretax return on assets | 1.6563% | 749 |
| Return on Equity (ROE) | 22.3217% | 145 |
| Retained earnings to average equity (ytd only) | -10.2931% | 4,567 |
| Net charge-offs to loans | -0.0037% | 3,254 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5174% | 4,088 |
| Assets per employee ($millions) | 7.3338% | 1,782 |
| Cash dividends to net income (ytd only)* | 146.1124% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,965 |
| Loan loss allowance to noncurrent loans | 532.0468% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,832 |
| Noncurrent loans to loans | 0.2605% | 2,542 |
| Net loans and leases to total assets | 51.9180% | 2,997 |
| Net loans and leases to deposits | 56.0841% | 3,262 |
| Net loans and leases to core deposits | 59.9604% | 3,149 |
| Total domestic deposits to total assets | 92.5718% | 385 |
| Equity capital to assets | 7.3721% | 4,003 |
| Core capital (leverage) ratio | 7.4202% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1539% | 733 |
| Memoranda: | ||
| Average total assets | $627,436,000 | 1,440 |
| Average earning assets | $608,168,500 | 1,394 |
| Average equity | $46,555,500 | 1,836 |
| Average total loans | $326,019,000 | 1,598 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 3,113 |
| Cost of funding earning assets | 0.0765% | 4,555 |
| Net interest margin | 3.2535% | 2,453 |
| Noninterest income to average assets | 0.3760% | 3,179 |
| Noninterest expense to average assets | 1.9499% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5937% | 826 |
| Return on assets (ROA) | 1.5874% | 873 |
| Pretax return on assets | 1.5874% | 1,459 |
| Return on Equity (ROE) | 21.6237% | 232 |
| Retained earnings to average equity (ytd only) | 6.3595% | 2,196 |
| Net charge-offs to loans | 0.0915% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 32.0872% | 1,560 |
| Efficiency ratio | 55.0256% | 3,816 |
| Assets per employee ($millions) | 7.4294% | 1,656 |
| Cash dividends to net income (ytd only)* | 70.5901% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,952 |
| Loan loss allowance to noncurrent loans | 555.6790% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 2,865 |
| Noncurrent loans to loans | 0.2501% | 2,728 |
| Net loans and leases to total assets | 50.5694% | 3,214 |
| Net loans and leases to deposits | 54.6691% | 3,543 |
| Net loans and leases to core deposits | 58.4622% | 3,437 |
| Total domestic deposits to total assets | 92.5008% | 93 |
| Equity capital to assets | 7.4672% | 4,604 |
| Core capital (leverage) ratio | 7.6566% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0918% | 551 |
| Memoranda: | ||
| Average total assets | $599,973,600 | 1,451 |
| Average earning assets | $584,135,000 | 1,404 |
| Average equity | $44,044,200 | 1,948 |
| Average total loans | $325,809,600 | 1,606 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2169% | 3,575 |
| Cost of funding earning assets | 0.0774% | 4,649 |
| Net interest margin | 3.1395% | 2,939 |
| Noninterest income to average assets | 0.3684% | 3,256 |
| Noninterest expense to average assets | 1.9384% | 3,841 |
| Loan and lease loss provision to assets | 0.0282% | 2,435 |
| Net operating income to assets | 1.4603% | 1,360 |
| Return on assets (ROA) | 1.4518% | 1,449 |
| Pretax return on assets | 1.4518% | 2,143 |
| Return on Equity (ROE) | 19.8671% | 435 |
| Retained earnings to average equity (ytd only) | -0.8505% | 4,652 |
| Net charge-offs to loans | 0.1132% | 677 |
| Credit loss provision to net charge-offs | 45.1264% | 1,886 |
| Earnings coverage of net charge-offs (x) | 23.8628% | 1,656 |
| Efficiency ratio | 56.5646% | 3,462 |
| Assets per employee ($millions) | 6.8127% | 2,009 |
| Cash dividends to net income (ytd only)* | 104.2811% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,699 |
| Loan loss allowance to noncurrent loans | 323.6072% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 2,368 |
| Noncurrent loans to loans | 0.4586% | 2,186 |
| Net loans and leases to total assets | 50.3099% | 3,373 |
| Net loans and leases to deposits | 54.2546% | 3,718 |
| Net loans and leases to core deposits | 58.1287% | 3,620 |
| Total domestic deposits to total assets | 92.7293% | 52 |
| Equity capital to assets | 7.1888% | 4,776 |
| Core capital (leverage) ratio | 7.2389% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0640% | 424 |
| Memoranda: | ||
| Average total assets | $592,093,250 | 1,485 |
| Average earning assets | $576,809,250 | 1,432 |
| Average equity | $43,266,500 | 1,996 |
| Average total loans | $326,301,000 | 1,630 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 3,605 |
| Cost of funding earning assets | 0.0786% | 4,705 |
| Net interest margin | 3.1540% | 2,885 |
| Noninterest income to average assets | 0.3538% | 3,345 |
| Noninterest expense to average assets | 1.9324% | 3,884 |
| Loan and lease loss provision to assets | 0.0427% | 2,157 |
| Net operating income to assets | 1.4511% | 1,416 |
| Return on assets (ROA) | 1.4381% | 1,523 |
| Pretax return on assets | 1.4381% | 2,217 |
| Return on Equity (ROE) | 19.5693% | 493 |
| Retained earnings to average equity (ytd only) | -7.5635% | 4,836 |
| Net charge-offs to loans | 0.1724% | 490 |
| Credit loss provision to net charge-offs | 43.8596% | 1,637 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,637 |
| Efficiency ratio | 56.4003% | 3,492 |
| Assets per employee ($millions) | 6.7665% | 1,971 |
| Cash dividends to net income (ytd only)* | 138.6499% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,772 |
| Loan loss allowance to noncurrent loans | 527.7588% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,970 |
| Noncurrent loans to loans | 0.2745% | 2,957 |
| Net loans and leases to total assets | 53.0045% | 3,251 |
| Net loans and leases to deposits | 57.1398% | 3,625 |
| Net loans and leases to core deposits | 60.9077% | 3,550 |
| Total domestic deposits to total assets | 92.7629% | 50 |
| Equity capital to assets | 7.1758% | 4,809 |
| Core capital (leverage) ratio | 7.1328% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5255% | 402 |
| Memoranda: | ||
| Average total assets | $585,075,667 | 1,492 |
| Average earning assets | $569,950,667 | 1,443 |
| Average equity | $42,996,000 | 1,995 |
| Average total loans | $330,694,667 | 1,626 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1900% | 3,713 |
| Cost of funding earning assets | 0.0801% | 4,746 |
| Net interest margin | 3.1099% | 2,958 |
| Noninterest income to average assets | 0.3504% | 3,343 |
| Noninterest expense to average assets | 2.0259% | 3,640 |
| Loan and lease loss provision to assets | 0.0517% | 2,067 |
| Net operating income to assets | 1.3002% | 1,826 |
| Return on assets (ROA) | 1.2740% | 1,986 |
| Pretax return on assets | 1.2740% | 2,643 |
| Return on Equity (ROE) | 17.1296% | 830 |
| Retained earnings to average equity (ytd only) | -22.7035% | 4,929 |
| Net charge-offs to loans | -0.0071% | 3,527 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9755% | 3,035 |
| Assets per employee ($millions) | 6.4937% | 2,181 |
| Cash dividends to net income (ytd only)* | 232.5393% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,851 |
| Loan loss allowance to noncurrent loans | 347.8261% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 2,380 |
| Noncurrent loans to loans | 0.4101% | 2,637 |
| Net loans and leases to total assets | 55.8367% | 3,061 |
| Net loans and leases to deposits | 60.0264% | 3,480 |
| Net loans and leases to core deposits | 63.9466% | 3,419 |
| Total domestic deposits to total assets | 93.0202% | 32 |
| Equity capital to assets | 6.9391% | 4,861 |
| Core capital (leverage) ratio | 7.1840% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7870% | 957 |
| Memoranda: | ||
| Average total assets | $579,889,000 | 1,492 |
| Average earning assets | $564,521,000 | 1,437 |
| Average equity | $43,130,000 | 1,978 |
| Average total loans | $335,915,000 | 1,607 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 2,765 |
| Cost of funding earning assets | 0.1545% | 4,715 |
| Net interest margin | 3.8348% | 1,407 |
| Noninterest income to average assets | 0.3713% | 3,260 |
| Noninterest expense to average assets | 2.0483% | 4,040 |
| Loan and lease loss provision to assets | 0.3586% | 947 |
| Net operating income to assets | 1.6913% | 512 |
| Return on assets (ROA) | 1.6630% | 595 |
| Pretax return on assets | 1.6630% | 925 |
| Return on Equity (ROE) | 21.8352% | 163 |
| Retained earnings to average equity (ytd only) | 1.4565% | 4,051 |
| Net charge-offs to loans | -0.0043% | 4,094 |
| Credit loss provision to net charge-offs | -15,192.3077% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9801% | 4,535 |
| Assets per employee ($millions) | 6.1763% | 2,187 |
| Cash dividends to net income (ytd only)* | 93.3297% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,749 |
| Loan loss allowance to noncurrent loans | 164.9708% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 1,594 |
| Noncurrent loans to loans | 0.8822% | 1,601 |
| Net loans and leases to total assets | 58.4577% | 3,038 |
| Net loans and leases to deposits | 63.5388% | 3,472 |
| Net loans and leases to core deposits | 67.8450% | 3,426 |
| Total domestic deposits to total assets | 92.0032% | 68 |
| Equity capital to assets | 7.9793% | 4,717 |
| Core capital (leverage) ratio | 7.8985% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2998% | 1,744 |
| Memoranda: | ||
| Average total assets | $550,805,600 | 1,429 |
| Average earning assets | $535,309,400 | 1,381 |
| Average equity | $41,950,600 | 1,949 |
| Average total loans | $301,351,400 | 1,677 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 2,520 |
| Cost of funding earning assets | 0.1716% | 4,753 |
| Net interest margin | 3.9793% | 1,161 |
| Noninterest income to average assets | 0.3681% | 3,253 |
| Noninterest expense to average assets | 2.0402% | 4,069 |
| Loan and lease loss provision to assets | 0.3397% | 1,138 |
| Net operating income to assets | 1.8531% | 409 |
| Return on assets (ROA) | 1.8687% | 435 |
| Pretax return on assets | 1.8687% | 679 |
| Return on Equity (ROE) | 24.8347% | 122 |
| Retained earnings to average equity (ytd only) | -2.7311% | 4,757 |
| Net charge-offs to loans | -0.0072% | 4,150 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1974% | 4,596 |
| Assets per employee ($millions) | 6.1129% | 2,166 |
| Cash dividends to net income (ytd only)* | 110.9971% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,367 |
| Loan loss allowance to noncurrent loans | 217.1634% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 2,264 |
| Noncurrent loans to loans | 0.5788% | 2,349 |
| Net loans and leases to total assets | 59.6821% | 3,263 |
| Net loans and leases to deposits | 64.7336% | 3,732 |
| Net loans and leases to core deposits | 69.1635% | 3,687 |
| Total domestic deposits to total assets | 92.1965% | 42 |
| Equity capital to assets | 7.7113% | 4,801 |
| Core capital (leverage) ratio | 7.6983% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8180% | 1,884 |
| Memoranda: | ||
| Average total assets | $549,541,250 | 1,421 |
| Average earning assets | $533,754,250 | 1,367 |
| Average equity | $41,349,750 | 1,957 |
| Average total loans | $294,253,250 | 1,705 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,456 |
| Cost of funding earning assets | 0.1885% | 4,789 |
| Net interest margin | 4.1176% | 1,077 |
| Noninterest income to average assets | 0.3760% | 3,227 |
| Noninterest expense to average assets | 2.0877% | 4,056 |
| Loan and lease loss provision to assets | 0.4842% | 759 |
| Net operating income to assets | 1.8023% | 498 |
| Return on assets (ROA) | 1.8264% | 524 |
| Pretax return on assets | 1.8264% | 769 |
| Return on Equity (ROE) | 24.4794% | 121 |
| Retained earnings to average equity (ytd only) | -12.6413% | 4,955 |
| Net charge-offs to loans | -0.0114% | 4,236 |
| Credit loss provision to net charge-offs | -8,281.2500% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7277% | 4,648 |
| Assets per employee ($millions) | 6.3245% | 1,929 |
| Cash dividends to net income (ytd only)* | 151.6407% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,206 |
| Loan loss allowance to noncurrent loans | 278.2842% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 2,759 |
| Noncurrent loans to loans | 0.4528% | 2,790 |
| Net loans and leases to total assets | 55.9206% | 3,691 |
| Net loans and leases to deposits | 60.1209% | 4,114 |
| Net loans and leases to core deposits | 63.9864% | 4,076 |
| Total domestic deposits to total assets | 93.0135% | 16 |
| Equity capital to assets | 6.9024% | 4,984 |
| Core capital (leverage) ratio | 6.9001% | 5,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2610% | 1,188 |
| Memoranda: | ||
| Average total assets | $547,297,000 | 1,399 |
| Average earning assets | $531,426,667 | 1,344 |
| Average equity | $40,834,333 | 1,963 |
| Average total loans | $280,263,667 | 1,747 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 3,491 |
| Cost of funding earning assets | 0.2013% | 4,887 |
| Net interest margin | 3.9109% | 1,640 |
| Noninterest income to average assets | 0.4075% | 3,043 |
| Noninterest expense to average assets | 2.1003% | 4,215 |
| Loan and lease loss provision to assets | 0.1887% | 1,583 |
| Net operating income to assets | 1.9162% | 326 |
| Return on assets (ROA) | 1.9162% | 356 |
| Pretax return on assets | 1.9162% | 553 |
| Return on Equity (ROE) | 24.6681% | 73 |
| Retained earnings to average equity (ytd only) | -30.5559% | 5,043 |
| Net charge-offs to loans | -0.0297% | 4,468 |
| Credit loss provision to net charge-offs | -1,315.7895% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9462% | 4,670 |
| Assets per employee ($millions) | 5.6547% | 1,968 |
| Cash dividends to net income (ytd only)* | 223.8677% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,692 |
| Loan loss allowance to noncurrent loans | 231.8524% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 2,900 |
| Noncurrent loans to loans | 0.5160% | 2,717 |
| Net loans and leases to total assets | 47.3352% | 4,372 |
| Net loans and leases to deposits | 51.1319% | 4,556 |
| Net loans and leases to core deposits | 54.3128% | 4,561 |
| Total domestic deposits to total assets | 92.5748% | 21 |
| Equity capital to assets | 7.3710% | 5,042 |
| Core capital (leverage) ratio | 7.4491% | 5,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1656% | 1,309 |
| Memoranda: | ||
| Average total assets | $530,018,500 | 1,397 |
| Average earning assets | $514,662,500 | 1,339 |
| Average equity | $41,170,500 | 1,945 |
| Average total loans | $255,631,500 | 1,823 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 3,323 |
| Cost of funding earning assets | 0.2482% | 4,858 |
| Net interest margin | 4.1250% | 1,478 |
| Noninterest income to average assets | 0.4553% | 2,977 |
| Noninterest expense to average assets | 2.1020% | 4,364 |
| Loan and lease loss provision to assets | 0.1170% | 1,808 |
| Net operating income to assets | 2.2353% | 209 |
| Return on assets (ROA) | 2.2353% | 223 |
| Pretax return on assets | 2.2353% | 360 |
| Return on Equity (ROE) | 29.1883% | 42 |
| Retained earnings to average equity (ytd only) | 8.0270% | 968 |
| Net charge-offs to loans | 0.0053% | 3,485 |
| Credit loss provision to net charge-offs | 4,653.8462% | 94 |
| Earnings coverage of net charge-offs (x) | 935.4615% | 109 |
| Efficiency ratio | 47.1904% | 4,866 |
| Assets per employee ($millions) | 5.5036% | 2,054 |
| Cash dividends to net income (ytd only)* | 72.4991% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 2,913 |
| Loan loss allowance to noncurrent loans | 283.6529% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 3,095 |
| Noncurrent loans to loans | 0.3903% | 3,036 |
| Net loans and leases to total assets | 48.0242% | 4,427 |
| Net loans and leases to deposits | 52.3202% | 4,600 |
| Net loans and leases to core deposits | 56.2783% | 4,572 |
| Total domestic deposits to total assets | 91.7889% | 51 |
| Equity capital to assets | 8.1754% | 5,019 |
| Core capital (leverage) ratio | 8.0928% | 5,009 |
| Tier 1 risk-based capital ratio | 17.2005% | 1,995 |
| Total risk-based capital ratio | 18.3317% | 1,963 |
| Memoranda: | ||
| Average total assets | $516,980,400 | 1,384 |
| Average earning assets | $501,186,000 | 1,329 |
| Average equity | $39,591,200 | 1,951 |
| Average total loans | $245,332,200 | 1,852 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 3,389 |
| Cost of funding earning assets | 0.2521% | 4,920 |
| Net interest margin | 4.1386% | 1,531 |
| Noninterest income to average assets | 0.4420% | 3,066 |
| Noninterest expense to average assets | 1.9961% | 4,565 |
| Loan and lease loss provision to assets | 0.1513% | 1,247 |
| Net operating income to assets | 2.3070% | 220 |
| Return on assets (ROA) | 2.3070% | 228 |
| Pretax return on assets | 2.3070% | 365 |
| Return on Equity (ROE) | 30.6498% | 38 |
| Retained earnings to average equity (ytd only) | 1.8624% | 4,321 |
| Net charge-offs to loans | -0.0016% | 4,042 |
| Credit loss provision to net charge-offs | -19,500.0000% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8122% | 4,981 |
| Assets per employee ($millions) | 5.4640% | 2,061 |
| Cash dividends to net income (ytd only)* | 93.9238% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 2,983 |
| Loan loss allowance to noncurrent loans | 327.5379% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 3,326 |
| Noncurrent loans to loans | 0.3384% | 3,324 |
| Net loans and leases to total assets | 47.7437% | 4,519 |
| Net loans and leases to deposits | 51.7510% | 4,719 |
| Net loans and leases to core deposits | 55.6300% | 4,699 |
| Total domestic deposits to total assets | 92.2565% | 30 |
| Equity capital to assets | 7.6502% | 5,177 |
| Core capital (leverage) ratio | 7.5072% | 5,191 |
| Tier 1 risk-based capital ratio | 16.1034% | 2,390 |
| Total risk-based capital ratio | 17.2298% | 2,378 |
| Memoranda: | ||
| Average total assets | $515,515,750 | 1,393 |
| Average earning assets | $499,808,250 | 1,336 |
| Average equity | $38,803,000 | 1,995 |
| Average total loans | $243,190,250 | 1,873 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 3,471 |
| Cost of funding earning assets | 0.2536% | 4,949 |
| Net interest margin | 4.1024% | 1,604 |
| Noninterest income to average assets | 0.4441% | 2,990 |
| Noninterest expense to average assets | 1.9797% | 4,639 |
| Loan and lease loss provision to assets | 0.1405% | 1,318 |
| Net operating income to assets | 2.3012% | 217 |
| Return on assets (ROA) | 2.3012% | 227 |
| Pretax return on assets | 2.3012% | 362 |
| Return on Equity (ROE) | 30.7448% | 40 |
| Retained earnings to average equity (ytd only) | -7.1322% | 5,122 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7749% | 5,038 |
| Assets per employee ($millions) | 5.6603% | 1,817 |
| Cash dividends to net income (ytd only)* | 123.1982% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,376 |
| Loan loss allowance to noncurrent loans | 1,019.3676% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,815 |
| Noncurrent loans to loans | 0.1023% | 4,211 |
| Net loans and leases to total assets | 46.9907% | 4,602 |
| Net loans and leases to deposits | 50.7639% | 4,779 |
| Net loans and leases to core deposits | 54.6173% | 4,760 |
| Total domestic deposits to total assets | 92.5671% | 21 |
| Equity capital to assets | 7.3361% | 5,248 |
| Core capital (leverage) ratio | 7.3251% | 5,246 |
| Tier 1 risk-based capital ratio | 15.7776% | 2,512 |
| Total risk-based capital ratio | 16.8427% | 2,517 |
| Memoranda: | ||
| Average total assets | $512,506,000 | 1,396 |
| Average earning assets | $496,877,670 | 1,341 |
| Average equity | $38,361,000 | 2,006 |
| Average total loans | $239,839,000 | 1,898 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 3,628 |
| Cost of funding earning assets | 0.2510% | 4,978 |
| Net interest margin | 4.0252% | 1,780 |
| Noninterest income to average assets | 0.4335% | 2,952 |
| Noninterest expense to average assets | 1.9804% | 4,679 |
| Loan and lease loss provision to assets | 0.1062% | 1,678 |
| Net operating income to assets | 2.2456% | 250 |
| Return on assets (ROA) | 2.2456% | 259 |
| Pretax return on assets | 2.2456% | 402 |
| Return on Equity (ROE) | 29.6982% | 51 |
| Retained earnings to average equity (ytd only) | -22.3933% | 5,273 |
| Net charge-offs to loans | 0.0034% | 2,616 |
| Credit loss provision to net charge-offs | 6,750.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,494.5000% | 28 |
| Efficiency ratio | 45.7138% | 5,039 |
| Assets per employee ($millions) | 5.6212% | 1,868 |
| Cash dividends to net income (ytd only)* | 175.4029% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,092 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 45.2110% | 4,694 |
| Net loans and leases to deposits | 48.7250% | 4,861 |
| Net loans and leases to core deposits | 52.4001% | 4,829 |
| Total domestic deposits to total assets | 92.7880% | 28 |
| Equity capital to assets | 7.1502% | 5,298 |
| Core capital (leverage) ratio | 7.4020% | 5,296 |
| Tier 1 risk-based capital ratio | 15.9505% | 2,458 |
| Total risk-based capital ratio | 16.9542% | 2,486 |
| Memoranda: | ||
| Average total assets | $508,383,000 | 1,412 |
| Average earning assets | $492,394,000 | 1,360 |
| Average equity | $38,440,000 | 1,994 |
| Average total loans | $236,116,500 | 1,951 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 3,334 |
| Cost of funding earning assets | 0.2097% | 4,967 |
| Net interest margin | 4.0258% | 1,905 |
| Noninterest income to average assets | 0.5525% | 2,537 |
| Noninterest expense to average assets | 2.2586% | 4,210 |
| Loan and lease loss provision to assets | 0.0730% | 2,674 |
| Net operating income to assets | 2.1058% | 294 |
| Return on assets (ROA) | 2.1058% | 290 |
| Pretax return on assets | 2.1058% | 433 |
| Return on Equity (ROE) | 25.9823% | 75 |
| Retained earnings to average equity (ytd only) | 5.4088% | 2,530 |
| Net charge-offs to loans | 0.0533% | 2,391 |
| Credit loss provision to net charge-offs | 289.4737% | 1,054 |
| Earnings coverage of net charge-offs (x) | 86.4123% | 816 |
| Efficiency ratio | 50.8997% | 4,884 |
| Assets per employee ($millions) | 5.3118% | 2,134 |
| Cash dividends to net income (ytd only)* | 79.1829% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,960 |
| Loan loss allowance to noncurrent loans | 2,287.6289% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 3,966 |
| Noncurrent loans to loans | 0.0415% | 4,566 |
| Net loans and leases to total assets | 46.8248% | 4,704 |
| Net loans and leases to deposits | 50.9264% | 4,857 |
| Net loans and leases to core deposits | 55.0499% | 4,809 |
| Total domestic deposits to total assets | 91.9459% | 75 |
| Equity capital to assets | 7.9962% | 5,164 |
| Core capital (leverage) ratio | 8.1174% | 5,201 |
| Tier 1 risk-based capital ratio | 17.0093% | 2,065 |
| Total risk-based capital ratio | 17.9648% | 2,110 |
| Memoranda: | ||
| Average total assets | $452,141,600 | 1,531 |
| Average earning assets | $436,313,400 | 1,488 |
| Average equity | $36,644,200 | 2,003 |
| Average total loans | $213,698,800 | 2,074 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 3,399 |
| Cost of funding earning assets | 0.2004% | 5,018 |
| Net interest margin | 3.9738% | 2,035 |
| Noninterest income to average assets | 0.5050% | 2,841 |
| Noninterest expense to average assets | 2.2619% | 4,194 |
| Loan and lease loss provision to assets | 0.0724% | 2,509 |
| Net operating income to assets | 2.0014% | 376 |
| Return on assets (ROA) | 2.0014% | 375 |
| Pretax return on assets | 2.0014% | 617 |
| Return on Equity (ROE) | 24.6028% | 93 |
| Retained earnings to average equity (ytd only) | -3.3731% | 5,267 |
| Net charge-offs to loans | -0.0115% | 4,437 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1688% | 4,793 |
| Assets per employee ($millions) | 4.9084% | 2,587 |
| Cash dividends to net income (ytd only)* | 113.7104% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,775 |
| Loan loss allowance to noncurrent loans | 210.3256% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 2,524 |
| Noncurrent loans to loans | 0.4750% | 2,960 |
| Net loans and leases to total assets | 47.5542% | 4,733 |
| Net loans and leases to deposits | 51.6108% | 4,896 |
| Net loans and leases to core deposits | 55.2893% | 4,862 |
| Total domestic deposits to total assets | 92.1401% | 74 |
| Equity capital to assets | 7.7654% | 5,250 |
| Core capital (leverage) ratio | 7.9977% | 5,317 |
| Tier 1 risk-based capital ratio | 16.1957% | 2,377 |
| Total risk-based capital ratio | 17.1965% | 2,406 |
| Memoranda: | ||
| Average total assets | $441,678,250 | 1,569 |
| Average earning assets | $425,781,000 | 1,521 |
| Average equity | $35,930,000 | 2,040 |
| Average total loans | $208,740,750 | 2,111 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,498 |
| Cost of funding earning assets | 0.1924% | 5,064 |
| Net interest margin | 3.8957% | 2,213 |
| Noninterest income to average assets | 0.5164% | 2,768 |
| Noninterest expense to average assets | 2.2828% | 4,183 |
| Loan and lease loss provision to assets | 0.0695% | 2,493 |
| Net operating income to assets | 1.9239% | 440 |
| Return on assets (ROA) | 1.9239% | 438 |
| Pretax return on assets | 1.9239% | 726 |
| Return on Equity (ROE) | 23.2654% | 119 |
| Retained earnings to average equity (ytd only) | -13.6714% | 5,463 |
| Net charge-offs to loans | -0.0414% | 4,854 |
| Credit loss provision to net charge-offs | -357.1429% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3846% | 4,750 |
| Assets per employee ($millions) | 4.5816% | 2,991 |
| Cash dividends to net income (ytd only)* | 158.7626% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,491 |
| Loan loss allowance to noncurrent loans | 2,174.2574% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 3,241 |
| Noncurrent loans to loans | 0.0486% | 4,696 |
| Net loans and leases to total assets | 46.7032% | 4,786 |
| Net loans and leases to deposits | 50.7856% | 4,954 |
| Net loans and leases to core deposits | 54.7100% | 4,909 |
| Total domestic deposits to total assets | 91.9614% | 92 |
| Equity capital to assets | 7.9786% | 5,228 |
| Core capital (leverage) ratio | 7.9662% | 5,355 |
| Tier 1 risk-based capital ratio | 17.9249% | 1,817 |
| Total risk-based capital ratio | 19.0466% | 1,823 |
| Memoranda: | ||
| Average total assets | $431,836,670 | 1,605 |
| Average earning assets | $416,770,670 | 1,551 |
| Average equity | $35,709,670 | 2,053 |
| Average total loans | $202,875,000 | 2,161 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,392 |
| Cost of funding earning assets | 0.1849% | 5,097 |
| Net interest margin | 3.8714% | 2,154 |
| Noninterest income to average assets | 0.4936% | 2,842 |
| Noninterest expense to average assets | 2.4243% | 3,880 |
| Loan and lease loss provision to assets | 0.0561% | 2,648 |
| Net operating income to assets | 1.7521% | 613 |
| Return on assets (ROA) | 1.7521% | 621 |
| Pretax return on assets | 1.7521% | 996 |
| Return on Equity (ROE) | 20.8115% | 205 |
| Retained earnings to average equity (ytd only) | -34.9820% | 5,562 |
| Net charge-offs to loans | 0.0080% | 2,450 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 483.5000% | 129 |
| Efficiency ratio | 57.2786% | 4,435 |
| Assets per employee ($millions) | 4.6805% | 2,881 |
| Cash dividends to net income (ytd only)* | 268.0896% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,896 |
| Loan loss allowance to noncurrent loans | 241.7840% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 2,703 |
| Noncurrent loans to loans | 0.4173% | 3,289 |
| Net loans and leases to total assets | 45.9360% | 4,796 |
| Net loans and leases to deposits | 49.8591% | 4,963 |
| Net loans and leases to core deposits | 53.6590% | 4,924 |
| Total domestic deposits to total assets | 92.1315% | 94 |
| Equity capital to assets | 7.8219% | 5,319 |
| Core capital (leverage) ratio | 8.0675% | 5,373 |
| Tier 1 risk-based capital ratio | 16.4133% | 2,314 |
| Total risk-based capital ratio | 17.3958% | 2,362 |
| Memoranda: | ||
| Average total assets | $427,840,500 | 1,624 |
| Average earning assets | $413,188,000 | 1,571 |
| Average equity | $36,018,500 | 2,040 |
| Average total loans | $200,507,500 | 2,193 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 3,928 |
| Cost of funding earning assets | 0.1611% | 5,204 |
| Net interest margin | 3.6748% | 2,894 |
| Noninterest income to average assets | 0.4074% | 3,586 |
| Noninterest expense to average assets | 2.3937% | 4,095 |
| Loan and lease loss provision to assets | 0.0111% | 4,060 |
| Net operating income to assets | 1.5181% | 767 |
| Return on assets (ROA) | 1.5181% | 779 |
| Pretax return on assets | 1.5181% | 1,565 |
| Return on Equity (ROE) | 17.1231% | 385 |
| Retained earnings to average equity (ytd only) | 2.9216% | 3,560 |
| Net charge-offs to loans | -0.0705% | 5,280 |
| Credit loss provision to net charge-offs | -35.7143% | 4,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0184% | 4,112 |
| Assets per employee ($millions) | 4.4700% | 3,241 |
| Cash dividends to net income (ytd only)* | 82.9375% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,824 |
| Loan loss allowance to noncurrent loans | 157.6711% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 2,168 |
| Noncurrent loans to loans | 0.6457% | 2,609 |
| Net loans and leases to total assets | 46.8707% | 4,836 |
| Net loans and leases to deposits | 51.5606% | 5,007 |
| Net loans and leases to core deposits | 55.7533% | 4,942 |
| Total domestic deposits to total assets | 90.9040% | 265 |
| Equity capital to assets | 9.0503% | 4,670 |
| Core capital (leverage) ratio | 9.1396% | 4,474 |
| Tier 1 risk-based capital ratio | 18.6028% | 1,617 |
| Total risk-based capital ratio | 19.5937% | 1,651 |
| Memoranda: | ||
| Average total assets | $404,975,200 | 1,686 |
| Average earning assets | $387,421,800 | 1,640 |
| Average equity | $35,904,800 | 2,028 |
| Average total loans | $178,606,600 | 2,344 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 4,143 |
| Cost of funding earning assets | 0.1572% | 5,272 |
| Net interest margin | 3.6023% | 3,138 |
| Noninterest income to average assets | 0.3695% | 3,883 |
| Noninterest expense to average assets | 2.3651% | 4,105 |
| Loan and lease loss provision to assets | 0.0149% | 3,846 |
| Net operating income to assets | 1.4291% | 1,026 |
| Return on assets (ROA) | 1.4291% | 1,049 |
| Pretax return on assets | 1.4291% | 2,018 |
| Return on Equity (ROE) | 16.2062% | 502 |
| Retained earnings to average equity (ytd only) | -2.9579% | 5,486 |
| Net charge-offs to loans | -0.0927% | 5,359 |
| Credit loss provision to net charge-offs | -37.1901% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0900% | 3,870 |
| Assets per employee ($millions) | 4.3976% | 3,314 |
| Cash dividends to net income (ytd only)* | 118.2514% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,640 |
| Loan loss allowance to noncurrent loans | 128.3237% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 1,714 |
| Noncurrent loans to loans | 0.8373% | 2,265 |
| Net loans and leases to total assets | 45.9679% | 4,941 |
| Net loans and leases to deposits | 50.5141% | 5,109 |
| Net loans and leases to core deposits | 54.8345% | 5,048 |
| Total domestic deposits to total assets | 91.0003% | 185 |
| Equity capital to assets | 8.9500% | 4,955 |
| Core capital (leverage) ratio | 8.9635% | 4,779 |
| Tier 1 risk-based capital ratio | 18.6683% | 1,688 |
| Total risk-based capital ratio | 19.7098% | 1,694 |
| Memoranda: | ||
| Average total assets | $402,291,500 | 1,706 |
| Average earning assets | $384,114,000 | 1,660 |
| Average equity | $35,475,250 | 2,060 |
| Average total loans | $174,045,750 | 2,401 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 4,226 |
| Cost of funding earning assets | 0.1536% | 5,321 |
| Net interest margin | 3.5490% | 3,216 |
| Noninterest income to average assets | 0.4710% | 3,214 |
| Noninterest expense to average assets | 2.3653% | 4,161 |
| Loan and lease loss provision to assets | 0.0223% | 3,540 |
| Net operating income to assets | 1.4670% | 922 |
| Return on assets (ROA) | 1.4670% | 942 |
| Pretax return on assets | 1.4670% | 1,771 |
| Return on Equity (ROE) | 16.7187% | 436 |
| Retained earnings to average equity (ytd only) | -9.3944% | 5,641 |
| Net charge-offs to loans | -0.1493% | 5,523 |
| Credit loss provision to net charge-offs | -35.4331% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3622% | 4,108 |
| Assets per employee ($millions) | 4.1574% | 3,700 |
| Cash dividends to net income (ytd only)* | 156.1908% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,169 |
| Loan loss allowance to noncurrent loans | 236.3208% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 1,107 |
| Noncurrent loans to loans | 0.4974% | 3,262 |
| Net loans and leases to total assets | 43.1100% | 5,095 |
| Net loans and leases to deposits | 47.3687% | 5,232 |
| Net loans and leases to core deposits | 51.5200% | 5,169 |
| Total domestic deposits to total assets | 91.0095% | 221 |
| Equity capital to assets | 8.9442% | 4,951 |
| Core capital (leverage) ratio | 8.7806% | 4,971 |
| Tier 1 risk-based capital ratio | 19.0884% | 1,580 |
| Total risk-based capital ratio | 20.1828% | 1,564 |
| Memoranda: | ||
| Average total assets | $402,995,670 | 1,705 |
| Average earning assets | $384,218,670 | 1,666 |
| Average equity | $35,361,670 | 2,059 |
| Average total loans | $170,077,000 | 2,439 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 4,423 |
| Cost of funding earning assets | 0.1526% | 5,354 |
| Net interest margin | 3.4462% | 3,462 |
| Noninterest income to average assets | 0.4674% | 3,204 |
| Noninterest expense to average assets | 2.3720% | 4,195 |
| Loan and lease loss provision to assets | 0.0440% | 2,917 |
| Net operating income to assets | 1.3425% | 1,131 |
| Return on assets (ROA) | 1.3425% | 1,165 |
| Pretax return on assets | 1.3425% | 2,086 |
| Return on Equity (ROE) | 15.4417% | 598 |
| Retained earnings to average equity (ytd only) | -23.6406% | 5,762 |
| Net charge-offs to loans | -0.3014% | 5,687 |
| Credit loss provision to net charge-offs | -35.1563% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1113% | 3,971 |
| Assets per employee ($millions) | 4.1676% | 3,721 |
| Cash dividends to net income (ytd only)* | 253.0954% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 3,292 |
| Loan loss allowance to noncurrent loans | 301.0511% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 1,276 |
| Noncurrent loans to loans | 0.3895% | 3,713 |
| Net loans and leases to total assets | 41.7983% | 5,173 |
| Net loans and leases to deposits | 45.7158% | 5,309 |
| Net loans and leases to core deposits | 49.8297% | 5,227 |
| Total domestic deposits to total assets | 91.4308% | 190 |
| Equity capital to assets | 8.5371% | 5,211 |
| Core capital (leverage) ratio | 8.4720% | 5,246 |
| Tier 1 risk-based capital ratio | 19.0433% | 1,606 |
| Total risk-based capital ratio | 20.1497% | 1,597 |
| Memoranda: | ||
| Average total assets | $409,098,000 | 1,696 |
| Average earning assets | $390,691,500 | 1,656 |
| Average equity | $35,566,000 | 2,057 |
| Average total loans | $169,878,500 | 2,461 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 4,869 |
| Cost of funding earning assets | 0.1332% | 5,530 |
| Net interest margin | 3.3291% | 4,056 |
| Noninterest income to average assets | 0.5122% | 3,158 |
| Noninterest expense to average assets | 2.3111% | 4,533 |
| Loan and lease loss provision to assets | 0.0426% | 3,529 |
| Net operating income to assets | 1.3402% | 1,117 |
| Return on assets (ROA) | 1.3402% | 1,175 |
| Pretax return on assets | 1.3402% | 2,141 |
| Return on Equity (ROE) | 15.8952% | 517 |
| Retained earnings to average equity (ytd only) | -1.1763% | 5,465 |
| Net charge-offs to loans | 0.0886% | 2,434 |
| Credit loss provision to net charge-offs | 121.6216% | 2,183 |
| Earnings coverage of net charge-offs (x) | 39.4730% | 1,187 |
| Efficiency ratio | 62.5657% | 4,166 |
| Assets per employee ($millions) | 4.2238% | 3,579 |
| Cash dividends to net income (ytd only)* | 107.4002% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,794 |
| Loan loss allowance to noncurrent loans | 233.3758% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3261% | 1,316 |
| Noncurrent loans to loans | 0.4651% | 3,486 |
| Net loans and leases to total assets | 40.3314% | 5,299 |
| Net loans and leases to deposits | 45.4688% | 5,384 |
| Net loans and leases to core deposits | 49.7960% | 5,307 |
| Total domestic deposits to total assets | 88.7012% | 1,270 |
| Equity capital to assets | 8.8468% | 4,969 |
| Core capital (leverage) ratio | 8.8914% | 4,865 |
| Tier 1 risk-based capital ratio | 20.1898% | 1,346 |
| Total risk-based capital ratio | 21.1999% | 1,349 |
| Memoranda: | ||
| Average total assets | $422,483,600 | 1,611 |
| Average earning assets | $403,777,800 | 1,553 |
| Average equity | $35,620,800 | 2,046 |
| Average total loans | $166,998,800 | 2,443 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,838 |
| Cost of funding earning assets | 0.1324% | 5,600 |
| Net interest margin | 3.3568% | 4,011 |
| Noninterest income to average assets | 0.4763% | 3,400 |
| Noninterest expense to average assets | 2.2620% | 4,621 |
| Loan and lease loss provision to assets | 0.0424% | 3,385 |
| Net operating income to assets | 1.3803% | 1,102 |
| Return on assets (ROA) | 1.3803% | 1,164 |
| Pretax return on assets | 1.3803% | 2,125 |
| Return on Equity (ROE) | 16.5706% | 484 |
| Retained earnings to average equity (ytd only) | -6.3516% | 5,775 |
| Net charge-offs to loans | 0.1185% | 1,764 |
| Credit loss provision to net charge-offs | 91.2162% | 2,511 |
| Earnings coverage of net charge-offs (x) | 30.6146% | 1,467 |
| Efficiency ratio | 61.3890% | 4,326 |
| Assets per employee ($millions) | 4.2448% | 3,519 |
| Cash dividends to net income (ytd only)* | 138.3303% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,067 |
| Loan loss allowance to noncurrent loans | 374.0586% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,551 |
| Noncurrent loans to loans | 0.2834% | 4,249 |
| Net loans and leases to total assets | 40.5305% | 5,352 |
| Net loans and leases to deposits | 44.3709% | 5,501 |
| Net loans and leases to core deposits | 48.6288% | 5,430 |
| Total domestic deposits to total assets | 91.3448% | 135 |
| Equity capital to assets | 8.6105% | 5,466 |
| Core capital (leverage) ratio | 8.5311% | 5,335 |
| Tier 1 risk-based capital ratio | 19.8394% | 1,475 |
| Total risk-based capital ratio | 20.8400% | 1,492 |
| Memoranda: | ||
| Average total assets | $424,620,500 | 1,599 |
| Average earning assets | $405,856,000 | 1,543 |
| Average equity | $35,371,000 | 2,071 |
| Average total loans | $166,554,000 | 2,452 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 4,901 |
| Cost of funding earning assets | 0.1302% | 5,688 |
| Net interest margin | 3.3570% | 4,034 |
| Noninterest income to average assets | 0.4780% | 3,349 |
| Noninterest expense to average assets | 2.2350% | 4,767 |
| Loan and lease loss provision to assets | 0.0420% | 3,309 |
| Net operating income to assets | 1.4101% | 1,048 |
| Return on assets (ROA) | 1.4101% | 1,099 |
| Pretax return on assets | 1.4101% | 1,984 |
| Return on Equity (ROE) | 17.1120% | 430 |
| Retained earnings to average equity (ytd only) | -14.3222% | 5,926 |
| Net charge-offs to loans | 0.0711% | 2,170 |
| Credit loss provision to net charge-offs | 152.5424% | 1,570 |
| Earnings coverage of net charge-offs (x) | 52.7797% | 964 |
| Efficiency ratio | 60.6172% | 4,561 |
| Assets per employee ($millions) | 4.2260% | 3,512 |
| Cash dividends to net income (ytd only)* | 183.6971% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,765 |
| Loan loss allowance to noncurrent loans | 74.0801% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 927 |
| Noncurrent loans to loans | 1.5294% | 1,419 |
| Net loans and leases to total assets | 38.6001% | 5,488 |
| Net loans and leases to deposits | 42.1413% | 5,614 |
| Net loans and leases to core deposits | 46.1811% | 5,557 |
| Total domestic deposits to total assets | 91.5967% | 116 |
| Equity capital to assets | 8.3620% | 5,667 |
| Core capital (leverage) ratio | 8.1090% | 5,661 |
| Tier 1 risk-based capital ratio | 19.6932% | 1,523 |
| Total risk-based capital ratio | 20.7351% | 1,533 |
| Memoranda: | ||
| Average total assets | $428,913,330 | 1,581 |
| Average earning assets | $410,004,670 | 1,533 |
| Average equity | $35,343,670 | 2,072 |
| Average total loans | $165,849,000 | 2,465 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 4,951 |
| Cost of funding earning assets | 0.1264% | 5,778 |
| Net interest margin | 3.3477% | 4,053 |
| Noninterest income to average assets | 0.4804% | 3,256 |
| Noninterest expense to average assets | 2.2443% | 4,794 |
| Loan and lease loss provision to assets | 0.0413% | 3,098 |
| Net operating income to assets | 1.4009% | 1,031 |
| Return on assets (ROA) | 1.4009% | 1,090 |
| Pretax return on assets | 1.4009% | 1,902 |
| Return on Equity (ROE) | 17.1204% | 424 |
| Retained earnings to average equity (ytd only) | -32.1120% | 6,032 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8804% | 4,618 |
| Assets per employee ($millions) | 4.7016% | 2,738 |
| Cash dividends to net income (ytd only)* | 287.5654% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,996 |
| Loan loss allowance to noncurrent loans | 171.2430% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 1,721 |
| Noncurrent loans to loans | 0.6480% | 3,230 |
| Net loans and leases to total assets | 37.6240% | 5,570 |
| Net loans and leases to deposits | 40.8374% | 5,685 |
| Net loans and leases to core deposits | 44.6236% | 5,635 |
| Total domestic deposits to total assets | 92.1311% | 99 |
| Equity capital to assets | 7.8396% | 5,875 |
| Core capital (leverage) ratio | 7.8188% | 5,844 |
| Tier 1 risk-based capital ratio | 18.7796% | 1,784 |
| Total risk-based capital ratio | 19.7910% | 1,801 |
| Memoranda: | ||
| Average total assets | $436,296,500 | 1,560 |
| Average earning assets | $417,835,500 | 1,517 |
| Average equity | $35,700,000 | 2,048 |
| Average total loans | $167,927,000 | 2,425 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,826 |
| Cost of funding earning assets | 0.1169% | 5,895 |
| Net interest margin | 3.4209% | 3,834 |
| Noninterest income to average assets | 0.5185% | 3,205 |
| Noninterest expense to average assets | 2.2356% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5565% | 770 |
| Return on assets (ROA) | 1.5565% | 796 |
| Pretax return on assets | 1.5565% | 1,385 |
| Return on Equity (ROE) | 19.4560% | 279 |
| Retained earnings to average equity (ytd only) | 3.0667% | 3,874 |
| Net charge-offs to loans | -0.0051% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9539% | 5,032 |
| Assets per employee ($millions) | 4.6811% | 2,756 |
| Cash dividends to net income (ytd only)* | 84.2380% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 4,249 |
| Loan loss allowance to noncurrent loans | 29.9717% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.4032% | 658 |
| Noncurrent loans to loans | 3.5452% | 384 |
| Net loans and leases to total assets | 38.5205% | 5,599 |
| Net loans and leases to deposits | 42.1261% | 5,706 |
| Net loans and leases to core deposits | 46.4269% | 5,634 |
| Total domestic deposits to total assets | 91.4409% | 189 |
| Equity capital to assets | 8.5269% | 5,545 |
| Core capital (leverage) ratio | 8.3664% | 5,557 |
| Tier 1 risk-based capital ratio | 19.8574% | 1,505 |
| Total risk-based capital ratio | 20.8209% | 1,540 |
| Memoranda: | ||
| Average total assets | $442,648,000 | 1,509 |
| Average earning assets | $423,605,400 | 1,467 |
| Average equity | $35,413,200 | 2,012 |
| Average total loans | $175,701,000 | 2,289 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 4,894 |
| Cost of funding earning assets | 0.1154% | 5,998 |
| Net interest margin | 3.4216% | 3,868 |
| Noninterest income to average assets | 0.4653% | 3,596 |
| Noninterest expense to average assets | 2.1298% | 5,219 |
| Loan and lease loss provision to assets | 0.0405% | 3,402 |
| Net operating income to assets | 1.5683% | 823 |
| Return on assets (ROA) | 1.5683% | 863 |
| Pretax return on assets | 1.5683% | 1,486 |
| Return on Equity (ROE) | 19.9235% | 274 |
| Retained earnings to average equity (ytd only) | -2.1951% | 5,875 |
| Net charge-offs to loans | -0.0060% | 4,859 |
| Credit loss provision to net charge-offs | -1,687.5000% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9686% | 5,231 |
| Assets per employee ($millions) | 4.7754% | 2,592 |
| Cash dividends to net income (ytd only)* | 111.0176% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,356 |
| Loan loss allowance to noncurrent loans | 178.6704% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 1,854 |
| Noncurrent loans to loans | 0.6015% | 3,519 |
| Net loans and leases to total assets | 40.1044% | 5,588 |
| Net loans and leases to deposits | 43.6110% | 5,736 |
| Net loans and leases to core deposits | 47.8989% | 5,659 |
| Total domestic deposits to total assets | 91.9593% | 102 |
| Equity capital to assets | 7.9952% | 5,956 |
| Core capital (leverage) ratio | 7.8618% | 5,960 |
| Tier 1 risk-based capital ratio | 17.8397% | 2,081 |
| Total risk-based capital ratio | 18.8120% | 2,127 |
| Memoranda: | ||
| Average total assets | $444,475,000 | 1,521 |
| Average earning assets | $425,215,000 | 1,469 |
| Average equity | $34,986,250 | 2,055 |
| Average total loans | $177,252,250 | 2,279 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5150% | 4,946 |
| Cost of funding earning assets | 0.1143% | 6,070 |
| Net interest margin | 3.4007% | 3,907 |
| Noninterest income to average assets | 0.4633% | 3,608 |
| Noninterest expense to average assets | 2.1350% | 5,261 |
| Loan and lease loss provision to assets | 0.0405% | 3,307 |
| Net operating income to assets | 1.5403% | 842 |
| Return on assets (ROA) | 1.5403% | 880 |
| Pretax return on assets | 1.5403% | 1,526 |
| Return on Equity (ROE) | 19.6712% | 289 |
| Retained earnings to average equity (ytd only) | -9.8069% | 6,175 |
| Net charge-offs to loans | -0.0079% | 4,865 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4576% | 5,286 |
| Assets per employee ($millions) | 4.4881% | 3,006 |
| Cash dividends to net income (ytd only)* | 149.8540% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 4,489 |
| Loan loss allowance to noncurrent loans | 93.1000% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 1,685 |
| Noncurrent loans to loans | 1.1493% | 2,352 |
| Net loans and leases to total assets | 39.7098% | 5,649 |
| Net loans and leases to deposits | 43.0955% | 5,798 |
| Net loans and leases to core deposits | 47.3677% | 5,710 |
| Total domestic deposits to total assets | 92.1438% | 113 |
| Equity capital to assets | 7.8130% | 6,041 |
| Core capital (leverage) ratio | 7.6256% | 6,060 |
| Tier 1 risk-based capital ratio | 17.9338% | 2,077 |
| Total risk-based capital ratio | 18.9198% | 2,119 |
| Memoranda: | ||
| Average total assets | $444,594,670 | 1,528 |
| Average earning assets | $425,209,670 | 1,480 |
| Average equity | $34,812,330 | 2,070 |
| Average total loans | $176,321,330 | 2,298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 5,023 |
| Cost of funding earning assets | 0.1141% | 6,137 |
| Net interest margin | 3.3629% | 3,979 |
| Noninterest income to average assets | 0.4591% | 3,580 |
| Noninterest expense to average assets | 2.1451% | 5,289 |
| Loan and lease loss provision to assets | 0.0403% | 3,107 |
| Net operating income to assets | 1.4909% | 861 |
| Return on assets (ROA) | 1.4909% | 917 |
| Pretax return on assets | 1.4909% | 1,593 |
| Return on Equity (ROE) | 19.0202% | 322 |
| Retained earnings to average equity (ytd only) | -24.4431% | 6,304 |
| Net charge-offs to loans | -0.0068% | 4,584 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3496% | 5,298 |
| Assets per employee ($millions) | 4.9324% | 2,442 |
| Cash dividends to net income (ytd only)* | 228.5114% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,802 |
| Loan loss allowance to noncurrent loans | 80.5604% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 1,667 |
| Noncurrent loans to loans | 1.2948% | 2,221 |
| Net loans and leases to total assets | 38.4666% | 5,701 |
| Net loans and leases to deposits | 41.5999% | 5,854 |
| Net loans and leases to core deposits | 45.9289% | 5,759 |
| Total domestic deposits to total assets | 92.4680% | 97 |
| Equity capital to assets | 7.4875% | 6,183 |
| Core capital (leverage) ratio | 7.6179% | 6,105 |
| Tier 1 risk-based capital ratio | 17.1644% | 2,418 |
| Total risk-based capital ratio | 18.0940% | 2,493 |
| Memoranda: | ||
| Average total assets | $446,976,500 | 1,531 |
| Average earning assets | $427,610,500 | 1,476 |
| Average equity | $35,036,500 | 2,065 |
| Average total loans | $176,209,500 | 2,302 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,598 |
| Cost of funding earning assets | 0.1362% | 6,173 |
| Net interest margin | 3.6289% | 3,297 |
| Noninterest income to average assets | 0.7338% | 2,149 |
| Noninterest expense to average assets | 2.4280% | 4,766 |
| Loan and lease loss provision to assets | 0.0425% | 3,713 |
| Net operating income to assets | 1.7268% | 546 |
| Return on assets (ROA) | 1.7268% | 560 |
| Pretax return on assets | 1.7268% | 928 |
| Return on Equity (ROE) | 21.4319% | 191 |
| Retained earnings to average equity (ytd only) | 2.8304% | 4,225 |
| Net charge-offs to loans | 0.0449% | 3,927 |
| Credit loss provision to net charge-offs | 227.8481% | 1,104 |
| Earnings coverage of net charge-offs (x) | 94.7722% | 552 |
| Efficiency ratio | 57.8458% | 5,474 |
| Assets per employee ($millions) | 4.6334% | 2,824 |
| Cash dividends to net income (ytd only)* | 86.7935% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 4,955 |
| Loan loss allowance to noncurrent loans | 151.8644% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 2,084 |
| Noncurrent loans to loans | 0.6704% | 3,671 |
| Net loans and leases to total assets | 39.5829% | 5,773 |
| Net loans and leases to deposits | 43.1738% | 5,918 |
| Net loans and leases to core deposits | 47.8634% | 5,818 |
| Total domestic deposits to total assets | 91.6828% | 190 |
| Equity capital to assets | 8.2005% | 5,961 |
| Core capital (leverage) ratio | 8.2382% | 5,832 |
| Tier 1 risk-based capital ratio | 17.3787% | 2,363 |
| Total risk-based capital ratio | 18.2416% | 2,478 |
| Memoranda: | ||
| Average total assets | $423,144,000 | 1,567 |
| Average earning assets | $403,867,400 | 1,513 |
| Average equity | $34,094,000 | 2,043 |
| Average total loans | $175,873,000 | 2,274 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7931% | 4,566 |
| Cost of funding earning assets | 0.1418% | 6,235 |
| Net interest margin | 3.6513% | 3,218 |
| Noninterest income to average assets | 0.5064% | 3,503 |
| Noninterest expense to average assets | 2.2628% | 5,199 |
| Loan and lease loss provision to assets | 0.0430% | 3,540 |
| Net operating income to assets | 1.6831% | 632 |
| Return on assets (ROA) | 1.6831% | 659 |
| Pretax return on assets | 1.6831% | 1,105 |
| Return on Equity (ROE) | 20.9877% | 233 |
| Retained earnings to average equity (ytd only) | -4.1832% | 6,219 |
| Net charge-offs to loans | 0.0008% | 4,683 |
| Credit loss provision to net charge-offs | 13,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 5,436.4586% | 3 |
| Efficiency ratio | 56.7268% | 5,587 |
| Assets per employee ($millions) | 4.5596% | 2,870 |
| Cash dividends to net income (ytd only)* | 119.9319% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 5,259 |
| Loan loss allowance to noncurrent loans | 118.8925% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 2,125 |
| Noncurrent loans to loans | 0.8321% | 3,496 |
| Net loans and leases to total assets | 43.0752% | 5,591 |
| Net loans and leases to deposits | 46.9422% | 5,825 |
| Net loans and leases to core deposits | 52.4077% | 5,665 |
| Total domestic deposits to total assets | 91.7621% | 188 |
| Equity capital to assets | 8.0308% | 6,117 |
| Core capital (leverage) ratio | 7.9945% | 6,072 |
| Tier 1 risk-based capital ratio | 15.6571% | 3,237 |
| Total risk-based capital ratio | 16.4962% | 3,393 |
| Memoranda: | ||
| Average total assets | $418,887,500 | 1,594 |
| Average earning assets | $399,520,000 | 1,541 |
| Average equity | $33,593,500 | 2,076 |
| Average total loans | $175,835,250 | 2,285 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,700 |
| Cost of funding earning assets | 0.1493% | 6,268 |
| Net interest margin | 3.5997% | 3,359 |
| Noninterest income to average assets | 0.4698% | 3,716 |
| Noninterest expense to average assets | 2.2744% | 5,218 |
| Loan and lease loss provision to assets | 0.0431% | 3,452 |
| Net operating income to assets | 1.5864% | 725 |
| Return on assets (ROA) | 1.5864% | 760 |
| Pretax return on assets | 1.5864% | 1,285 |
| Return on Equity (ROE) | 19.7907% | 300 |
| Retained earnings to average equity (ytd only) | -13.6842% | 6,474 |
| Net charge-offs to loans | 0.0012% | 4,356 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 3,399.0000% | 8 |
| Efficiency ratio | 58.2586% | 5,524 |
| Assets per employee ($millions) | 4.0982% | 3,649 |
| Cash dividends to net income (ytd only)* | 169.1448% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 5,229 |
| Loan loss allowance to noncurrent loans | 258.3454% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 2,517 |
| Noncurrent loans to loans | 0.3974% | 4,797 |
| Net loans and leases to total assets | 41.8751% | 5,687 |
| Net loans and leases to deposits | 45.6660% | 5,898 |
| Net loans and leases to core deposits | 51.6004% | 5,685 |
| Total domestic deposits to total assets | 91.6985% | 219 |
| Equity capital to assets | 8.0109% | 6,150 |
| Core capital (leverage) ratio | 7.8075% | 6,205 |
| Tier 1 risk-based capital ratio | 16.1501% | 3,009 |
| Total risk-based capital ratio | 17.0258% | 3,148 |
| Memoranda: | ||
| Average total assets | $417,170,000 | 1,601 |
| Average earning assets | $397,976,670 | 1,542 |
| Average equity | $33,440,000 | 2,075 |
| Average total loans | $172,953,330 | 2,318 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 4,985 |
| Cost of funding earning assets | 0.1500% | 6,355 |
| Net interest margin | 3.5075% | 3,659 |
| Noninterest income to average assets | 0.4629% | 3,688 |
| Noninterest expense to average assets | 2.1832% | 5,498 |
| Loan and lease loss provision to assets | 0.0428% | 3,240 |
| Net operating income to assets | 1.5920% | 675 |
| Return on assets (ROA) | 1.5920% | 703 |
| Pretax return on assets | 1.5920% | 1,190 |
| Return on Equity (ROE) | 19.8548% | 300 |
| Retained earnings to average equity (ytd only) | -31.6136% | 6,622 |
| Net charge-offs to loans | 0.0069% | 3,510 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 573.3333% | 62 |
| Efficiency ratio | 57.1820% | 5,734 |
| Assets per employee ($millions) | 4.4073% | 3,140 |
| Cash dividends to net income (ytd only)* | 259.2239% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 5,534 |
| Loan loss allowance to noncurrent loans | 132.6953% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 2,556 |
| Noncurrent loans to loans | 0.7509% | 3,990 |
| Net loans and leases to total assets | 40.2806% | 5,789 |
| Net loans and leases to deposits | 44.0299% | 5,975 |
| Net loans and leases to core deposits | 49.6081% | 5,787 |
| Total domestic deposits to total assets | 91.4848% | 381 |
| Equity capital to assets | 7.5835% | 6,287 |
| Core capital (leverage) ratio | 7.7342% | 6,257 |
| Tier 1 risk-based capital ratio | 16.0845% | 3,132 |
| Total risk-based capital ratio | 16.9444% | 3,301 |
| Memoranda: | ||
| Average total assets | $420,845,500 | 1,594 |
| Average earning assets | $402,571,500 | 1,525 |
| Average equity | $33,745,000 | 2,047 |
| Average total loans | $172,734,000 | 2,317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,342 |
| Cost of funding earning assets | 0.1689% | 6,449 |
| Net interest margin | 3.7640% | 2,790 |
| Noninterest income to average assets | 0.5491% | 3,411 |
| Noninterest expense to average assets | 2.3588% | 5,206 |
| Loan and lease loss provision to assets | 0.0132% | 4,858 |
| Net operating income to assets | 1.7786% | 502 |
| Return on assets (ROA) | 1.7786% | 518 |
| Pretax return on assets | 1.7786% | 794 |
| Return on Equity (ROE) | 21.4721% | 211 |
| Retained earnings to average equity (ytd only) | 3.0962% | 4,031 |
| Net charge-offs to loans | 0.1337% | 3,463 |
| Credit loss provision to net charge-offs | 23.1441% | 4,385 |
| Earnings coverage of net charge-offs (x) | 31.4236% | 1,138 |
| Efficiency ratio | 56.8300% | 5,871 |
| Assets per employee ($millions) | 4.4536% | 2,985 |
| Cash dividends to net income (ytd only)* | 85.5803% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 5,634 |
| Loan loss allowance to noncurrent loans | 435.8247% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 2,973 |
| Noncurrent loans to loans | 0.2262% | 5,512 |
| Net loans and leases to total assets | 41.0063% | 5,894 |
| Net loans and leases to deposits | 45.3167% | 6,057 |
| Net loans and leases to core deposits | 51.3391% | 5,849 |
| Total domestic deposits to total assets | 90.4883% | 821 |
| Equity capital to assets | 8.4673% | 5,619 |
| Core capital (leverage) ratio | 8.5500% | 5,610 |
| Tier 1 risk-based capital ratio | 17.7849% | 2,311 |
| Total risk-based capital ratio | 18.6425% | 2,433 |
| Memoranda: | ||
| Average total assets | $401,599,400 | 1,639 |
| Average earning assets | $384,276,400 | 1,573 |
| Average equity | $33,266,400 | 2,072 |
| Average total loans | $171,320,400 | 2,290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 4,223 |
| Cost of funding earning assets | 0.1722% | 6,539 |
| Net interest margin | 3.8033% | 2,629 |
| Noninterest income to average assets | 0.5090% | 3,743 |
| Noninterest expense to average assets | 2.2583% | 5,461 |
| Loan and lease loss provision to assets | 0.0452% | 4,109 |
| Net operating income to assets | 1.8417% | 488 |
| Return on assets (ROA) | 1.8417% | 503 |
| Pretax return on assets | 1.8417% | 821 |
| Return on Equity (ROE) | 22.3628% | 193 |
| Retained earnings to average equity (ytd only) | -2.4744% | 6,307 |
| Net charge-offs to loans | 0.1775% | 2,802 |
| Credit loss provision to net charge-offs | 59.2105% | 3,321 |
| Earnings coverage of net charge-offs (x) | 24.7327% | 1,413 |
| Efficiency ratio | 54.4801% | 6,061 |
| Assets per employee ($millions) | 4.1812% | 3,463 |
| Cash dividends to net income (ytd only)* | 111.0647% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 5,760 |
| Loan loss allowance to noncurrent loans | 3,285.1852% | 185 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 3,213 |
| Noncurrent loans to loans | 0.0302% | 6,258 |
| Net loans and leases to total assets | 43.6724% | 5,751 |
| Net loans and leases to deposits | 48.2077% | 5,947 |
| Net loans and leases to core deposits | 54.6476% | 5,717 |
| Total domestic deposits to total assets | 90.5923% | 706 |
| Equity capital to assets | 8.2556% | 5,948 |
| Core capital (leverage) ratio | 8.3062% | 5,967 |
| Tier 1 risk-based capital ratio | 16.2415% | 3,066 |
| Total risk-based capital ratio | 17.1022% | 3,223 |
| Memoranda: | ||
| Average total assets | $398,453,500 | 1,658 |
| Average earning assets | $380,957,250 | 1,593 |
| Average equity | $32,815,500 | 2,112 |
| Average total loans | $171,267,500 | 2,295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 4,359 |
| Cost of funding earning assets | 0.1771% | 6,585 |
| Net interest margin | 3.7520% | 2,756 |
| Noninterest income to average assets | 0.4964% | 3,863 |
| Noninterest expense to average assets | 2.1915% | 5,652 |
| Loan and lease loss provision to assets | 0.0454% | 4,060 |
| Net operating income to assets | 1.8431% | 473 |
| Return on assets (ROA) | 1.8431% | 507 |
| Pretax return on assets | 1.8431% | 837 |
| Return on Equity (ROE) | 22.3974% | 189 |
| Retained earnings to average equity (ytd only) | -10.6096% | 6,679 |
| Net charge-offs to loans | -0.0083% | 5,735 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7129% | 6,166 |
| Assets per employee ($millions) | 4.1785% | 3,410 |
| Cash dividends to net income (ytd only)* | 147.3699% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 5,278 |
| Loan loss allowance to noncurrent loans | 150.1529% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.6868% | 2,583 |
| Noncurrent loans to loans | 0.7595% | 4,402 |
| Net loans and leases to total assets | 43.8117% | 5,755 |
| Net loans and leases to deposits | 48.4676% | 5,951 |
| Net loans and leases to core deposits | 54.8787% | 5,681 |
| Total domestic deposits to total assets | 90.3938% | 808 |
| Equity capital to assets | 8.3353% | 5,938 |
| Core capital (leverage) ratio | 8.1748% | 6,030 |
| Tier 1 risk-based capital ratio | 15.7925% | 3,319 |
| Total risk-based capital ratio | 16.7503% | 3,436 |
| Memoranda: | ||
| Average total assets | $396,077,670 | 1,671 |
| Average earning assets | $378,301,670 | 1,605 |
| Average equity | $32,593,000 | 2,123 |
| Average total loans | $168,723,000 | 2,321 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,743 |
| Cost of funding earning assets | 0.1792% | 6,680 |
| Net interest margin | 3.6438% | 3,095 |
| Noninterest income to average assets | 0.4932% | 3,817 |
| Noninterest expense to average assets | 2.2050% | 5,678 |
| Loan and lease loss provision to assets | 0.0450% | 3,856 |
| Net operating income to assets | 1.7218% | 555 |
| Return on assets (ROA) | 1.7218% | 614 |
| Pretax return on assets | 1.7218% | 1,028 |
| Return on Equity (ROE) | 21.0559% | 232 |
| Retained earnings to average equity (ytd only) | -27.7849% | 6,891 |
| Net charge-offs to loans | -0.0168% | 5,639 |
| Credit loss provision to net charge-offs | -642.8571% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5164% | 6,108 |
| Assets per employee ($millions) | 4.3036% | 3,329 |
| Cash dividends to net income (ytd only)* | 231.9582% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,371 |
| Loan loss allowance to noncurrent loans | 85.7462% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.0673% | 2,269 |
| Noncurrent loans to loans | 1.3522% | 3,538 |
| Net loans and leases to total assets | 40.4393% | 5,961 |
| Net loans and leases to deposits | 44.4833% | 6,163 |
| Net loans and leases to core deposits | 50.3007% | 5,956 |
| Total domestic deposits to total assets | 90.9088% | 564 |
| Equity capital to assets | 7.7978% | 6,469 |
| Core capital (leverage) ratio | 7.8798% | 6,234 |
| Tier 1 risk-based capital ratio | 15.7540% | 3,399 |
| Total risk-based capital ratio | 16.7126% | 3,508 |
| Memoranda: | ||
| Average total assets | $399,815,500 | 1,673 |
| Average earning assets | $381,692,500 | 1,604 |
| Average equity | $32,694,000 | 2,137 |
| Average total loans | $166,976,000 | 2,352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 4,561 |
| Cost of funding earning assets | 0.2293% | 6,751 |
| Net interest margin | 3.9790% | 2,482 |
| Noninterest income to average assets | 0.6423% | 3,040 |
| Noninterest expense to average assets | 2.4983% | 5,101 |
| Loan and lease loss provision to assets | 0.0477% | 5,228 |
| Net operating income to assets | 1.8860% | 442 |
| Return on assets (ROA) | 1.8860% | 492 |
| Pretax return on assets | 1.8860% | 774 |
| Return on Equity (ROE) | 22.1764% | 211 |
| Retained earnings to average equity (ytd only) | 1.6706% | 5,023 |
| Net charge-offs to loans | 0.1254% | 4,429 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 34.7381% | 900 |
| Efficiency ratio | 56.3696% | 6,020 |
| Assets per employee ($millions) | 4.3417% | 3,274 |
| Cash dividends to net income (ytd only)* | 92.4666% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,527 |
| Loan loss allowance to noncurrent loans | 90.8074% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.0706% | 2,366 |
| Noncurrent loans to loans | 1.2206% | 3,810 |
| Net loans and leases to total assets | 42.1606% | 5,991 |
| Net loans and leases to deposits | 46.8331% | 6,186 |
| Net loans and leases to core deposits | 52.8603% | 5,953 |
| Total domestic deposits to total assets | 90.0232% | 938 |
| Equity capital to assets | 8.5658% | 5,992 |
| Core capital (leverage) ratio | 8.6201% | 5,435 |
| Tier 1 risk-based capital ratio | 17.0823% | 2,613 |
| Total risk-based capital ratio | 18.0249% | 2,722 |
| Memoranda: | ||
| Average total assets | $377,253,000 | 1,728 |
| Average earning assets | $359,315,200 | 1,661 |
| Average equity | $32,083,600 | 2,137 |
| Average total loans | $167,442,400 | 2,335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 4,524 |
| Cost of funding earning assets | 0.2412% | 6,843 |
| Net interest margin | 4.0399% | 2,339 |
| Noninterest income to average assets | 0.5572% | 3,556 |
| Noninterest expense to average assets | 2.4814% | 5,139 |
| Loan and lease loss provision to assets | 0.0483% | 5,167 |
| Net operating income to assets | 1.8741% | 487 |
| Return on assets (ROA) | 1.8741% | 564 |
| Pretax return on assets | 1.8741% | 917 |
| Return on Equity (ROE) | 22.0786% | 234 |
| Retained earnings to average equity (ytd only) | -5.6418% | 6,656 |
| Net charge-offs to loans | 0.2041% | 3,511 |
| Credit loss provision to net charge-offs | 52.7344% | 4,331 |
| Earnings coverage of net charge-offs (x) | 20.9964% | 1,428 |
| Efficiency ratio | 56.3470% | 6,010 |
| Assets per employee ($millions) | 4.2319% | 3,401 |
| Cash dividends to net income (ytd only)* | 125.5535% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 5,962 |
| Loan loss allowance to noncurrent loans | 79.0294% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.1737% | 2,464 |
| Noncurrent loans to loans | 1.3071% | 3,858 |
| Net loans and leases to total assets | 44.1580% | 5,953 |
| Net loans and leases to deposits | 48.9850% | 6,190 |
| Net loans and leases to core deposits | 55.8721% | 5,903 |
| Total domestic deposits to total assets | 90.1460% | 770 |
| Equity capital to assets | 8.3155% | 6,410 |
| Core capital (leverage) ratio | 8.7472% | 5,406 |
| Tier 1 risk-based capital ratio | 15.9881% | 3,266 |
| Total risk-based capital ratio | 16.8745% | 3,428 |
| Memoranda: | ||
| Average total assets | $372,792,250 | 1,767 |
| Average earning assets | $354,951,250 | 1,700 |
| Average equity | $31,643,750 | 2,179 |
| Average total loans | $167,192,500 | 2,369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 4,384 |
| Cost of funding earning assets | 0.2536% | 6,895 |
| Net interest margin | 4.0945% | 2,119 |
| Noninterest income to average assets | 0.5587% | 3,533 |
| Noninterest expense to average assets | 2.5420% | 4,988 |
| Loan and lease loss provision to assets | 0.0488% | 5,067 |
| Net operating income to assets | 1.8655% | 497 |
| Return on assets (ROA) | 1.8655% | 567 |
| Pretax return on assets | 1.8655% | 910 |
| Return on Equity (ROE) | 21.8229% | 256 |
| Retained earnings to average equity (ytd only) | -15.6422% | 6,951 |
| Net charge-offs to loans | 0.3103% | 2,788 |
| Credit loss provision to net charge-offs | 35.0195% | 4,358 |
| Earnings coverage of net charge-offs (x) | 13.7315% | 1,767 |
| Efficiency ratio | 57.0420% | 5,992 |
| Assets per employee ($millions) | 3.4391% | 5,116 |
| Cash dividends to net income (ytd only)* | 171.6778% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 6,012 |
| Loan loss allowance to noncurrent loans | 79.2125% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 2,456 |
| Noncurrent loans to loans | 1.3095% | 3,959 |
| Net loans and leases to total assets | 45.2741% | 5,897 |
| Net loans and leases to deposits | 50.4011% | 6,155 |
| Net loans and leases to core deposits | 57.3059% | 5,831 |
| Total domestic deposits to total assets | 89.8276% | 1,029 |
| Equity capital to assets | 8.4672% | 6,242 |
| Core capital (leverage) ratio | 8.5227% | 5,625 |
| Tier 1 risk-based capital ratio | 16.0071% | 3,166 |
| Total risk-based capital ratio | 16.9045% | 3,323 |
| Memoranda: | ||
| Average total assets | $368,689,330 | 1,789 |
| Average earning assets | $350,962,670 | 1,717 |
| Average equity | $31,517,330 | 2,173 |
| Average total loans | $165,647,330 | 2,395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 4,552 |
| Cost of funding earning assets | 0.2639% | 6,969 |
| Net interest margin | 4.0784% | 2,179 |
| Noninterest income to average assets | 0.5384% | 3,638 |
| Noninterest expense to average assets | 2.5817% | 4,887 |
| Loan and lease loss provision to assets | 0.0485% | 4,801 |
| Net operating income to assets | 1.7931% | 604 |
| Return on assets (ROA) | 1.7931% | 678 |
| Pretax return on assets | 1.7931% | 1,080 |
| Return on Equity (ROE) | 20.8778% | 322 |
| Retained earnings to average equity (ytd only) | -36.3539% | 7,170 |
| Net charge-offs to loans | 0.5888% | 1,622 |
| Credit loss provision to net charge-offs | 18.5185% | 3,799 |
| Earnings coverage of net charge-offs (x) | 7.0247% | 2,124 |
| Efficiency ratio | 58.3659% | 5,867 |
| Assets per employee ($millions) | 3.7770% | 4,478 |
| Cash dividends to net income (ytd only)* | 274.1276% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 6,140 |
| Loan loss allowance to noncurrent loans | 1,075.3165% | 370 |
| Noncurrent assets plus other real estate owned to assets | 1.6550% | 3,371 |
| Noncurrent loans to loans | 0.0961% | 6,519 |
| Net loans and leases to total assets | 43.0840% | 6,095 |
| Net loans and leases to deposits | 47.7533% | 6,301 |
| Net loans and leases to core deposits | 54.5937% | 6,013 |
| Total domestic deposits to total assets | 90.2221% | 960 |
| Equity capital to assets | 8.0483% | 6,489 |
| Core capital (leverage) ratio | 8.3565% | 5,801 |
| Tier 1 risk-based capital ratio | 15.8838% | 3,227 |
| Total risk-based capital ratio | 16.7718% | 3,410 |
| Memoranda: | ||
| Average total assets | $370,761,000 | 1,783 |
| Average earning assets | $353,176,000 | 1,716 |
| Average equity | $31,842,500 | 2,162 |
| Average total loans | $165,083,500 | 2,414 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 4,292 |
| Cost of funding earning assets | 0.3613% | 6,983 |
| Net interest margin | 4.3273% | 1,614 |
| Noninterest income to average assets | 0.6380% | 2,961 |
| Noninterest expense to average assets | 2.6856% | 4,801 |
| Loan and lease loss provision to assets | 0.0243% | 6,269 |
| Net operating income to assets | 2.0620% | 277 |
| Return on assets (ROA) | 2.0620% | 296 |
| Pretax return on assets | 2.0620% | 475 |
| Return on Equity (ROE) | 22.5992% | 169 |
| Retained earnings to average equity (ytd only) | 1.0424% | 5,371 |
| Net charge-offs to loans | 0.1110% | 5,262 |
| Credit loss provision to net charge-offs | 44.9198% | 5,536 |
| Earnings coverage of net charge-offs (x) | 38.5936% | 696 |
| Efficiency ratio | 56.2792% | 6,282 |
| Assets per employee ($millions) | 3.7125% | 4,530 |
| Cash dividends to net income (ytd only)* | 95.3876% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,648 |
| Loan loss allowance to noncurrent loans | 59.3554% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.6890% | 3,418 |
| Noncurrent loans to loans | 1.9283% | 3,301 |
| Net loans and leases to total assets | 45.0337% | 6,105 |
| Net loans and leases to deposits | 50.6157% | 6,318 |
| Net loans and leases to core deposits | 58.0219% | 5,997 |
| Total domestic deposits to total assets | 88.9719% | 1,555 |
| Equity capital to assets | 9.1492% | 5,357 |
| Core capital (leverage) ratio | 9.2021% | 4,464 |
| Tier 1 risk-based capital ratio | 17.7298% | 2,292 |
| Total risk-based capital ratio | 18.7404% | 2,353 |
| Memoranda: | ||
| Average total assets | $345,924,200 | 1,874 |
| Average earning assets | $330,460,800 | 1,791 |
| Average equity | $31,563,000 | 2,102 |
| Average total loans | $168,518,000 | 2,386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 4,255 |
| Cost of funding earning assets | 0.3806% | 7,059 |
| Net interest margin | 4.3642% | 1,514 |
| Noninterest income to average assets | 0.5877% | 3,246 |
| Noninterest expense to average assets | 2.5920% | 5,109 |
| Loan and lease loss provision to assets | 0.0246% | 6,146 |
| Net operating income to assets | 2.1398% | 274 |
| Return on assets (ROA) | 2.1398% | 292 |
| Pretax return on assets | 2.1398% | 477 |
| Return on Equity (ROE) | 23.4694% | 177 |
| Retained earnings to average equity (ytd only) | -5.6703% | 6,630 |
| Net charge-offs to loans | 0.0016% | 6,178 |
| Credit loss provision to net charge-offs | 3,150.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 2,767.9700% | 4 |
| Efficiency ratio | 54.4947% | 6,440 |
| Assets per employee ($millions) | 3.5143% | 4,954 |
| Cash dividends to net income (ytd only)* | 124.1606% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 5,437 |
| Loan loss allowance to noncurrent loans | 50.1094% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 3,357 |
| Noncurrent loans to loans | 2.4061% | 2,878 |
| Net loans and leases to total assets | 48.0559% | 5,946 |
| Net loans and leases to deposits | 54.0267% | 6,212 |
| Net loans and leases to core deposits | 62.4815% | 5,772 |
| Total domestic deposits to total assets | 88.9486% | 1,456 |
| Equity capital to assets | 9.0069% | 5,753 |
| Core capital (leverage) ratio | 9.1428% | 4,725 |
| Tier 1 risk-based capital ratio | 16.4474% | 2,889 |
| Total risk-based capital ratio | 17.5186% | 2,951 |
| Memoranda: | ||
| Average total assets | $341,449,000 | 1,906 |
| Average earning assets | $326,163,500 | 1,823 |
| Average equity | $31,132,000 | 2,128 |
| Average total loans | $169,212,250 | 2,398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 4,174 |
| Cost of funding earning assets | 0.4002% | 7,126 |
| Net interest margin | 4.3791% | 1,438 |
| Noninterest income to average assets | 0.5832% | 3,242 |
| Noninterest expense to average assets | 2.6050% | 5,163 |
| Loan and lease loss provision to assets | 0.0248% | 5,987 |
| Net operating income to assets | 2.1341% | 285 |
| Return on assets (ROA) | 2.1341% | 292 |
| Pretax return on assets | 2.1341% | 460 |
| Return on Equity (ROE) | 23.3088% | 189 |
| Retained earnings to average equity (ytd only) | -14.7812% | 7,029 |
| Net charge-offs to loans | -0.0119% | 6,725 |
| Credit loss provision to net charge-offs | -420.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6809% | 6,548 |
| Assets per employee ($millions) | 3.0534% | 5,970 |
| Cash dividends to net income (ytd only)* | 163.4146% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 5,428 |
| Loan loss allowance to noncurrent loans | 171.5121% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,816 |
| Noncurrent loans to loans | 0.7156% | 5,478 |
| Net loans and leases to total assets | 48.7463% | 5,979 |
| Net loans and leases to deposits | 54.9512% | 6,229 |
| Net loans and leases to core deposits | 62.9063% | 5,819 |
| Total domestic deposits to total assets | 88.7083% | 1,713 |
| Equity capital to assets | 9.0319% | 5,537 |
| Core capital (leverage) ratio | 9.1112% | 4,548 |
| Tier 1 risk-based capital ratio | 16.0803% | 2,939 |
| Total risk-based capital ratio | 17.1591% | 3,000 |
| Memoranda: | ||
| Average total assets | $338,122,000 | 1,925 |
| Average earning assets | $322,802,670 | 1,847 |
| Average equity | $30,958,330 | 2,128 |
| Average total loans | $168,635,000 | 2,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 4,125 |
| Cost of funding earning assets | 0.4166% | 7,189 |
| Net interest margin | 4.3684% | 1,370 |
| Noninterest income to average assets | 0.5733% | 3,349 |
| Noninterest expense to average assets | 2.6341% | 5,098 |
| Loan and lease loss provision to assets | 0.0249% | 5,651 |
| Net operating income to assets | 2.0869% | 306 |
| Return on assets (ROA) | 2.0869% | 321 |
| Pretax return on assets | 2.0869% | 485 |
| Return on Equity (ROE) | 22.6391% | 226 |
| Retained earnings to average equity (ytd only) | -44.5073% | 7,376 |
| Net charge-offs to loans | -0.0165% | 6,510 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5029% | 6,555 |
| Assets per employee ($millions) | 3.3705% | 5,321 |
| Cash dividends to net income (ytd only)* | 296.5948% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 5,633 |
| Loan loss allowance to noncurrent loans | 139.2857% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0128% | 4,879 |
| Noncurrent loans to loans | 0.8619% | 5,316 |
| Net loans and leases to total assets | 48.5468% | 6,014 |
| Net loans and leases to deposits | 54.5147% | 6,254 |
| Net loans and leases to core deposits | 62.9445% | 5,831 |
| Total domestic deposits to total assets | 89.0527% | 1,739 |
| Equity capital to assets | 8.5505% | 5,835 |
| Core capital (leverage) ratio | 8.7574% | 4,990 |
| Tier 1 risk-based capital ratio | 15.3820% | 3,219 |
| Total risk-based capital ratio | 16.4436% | 3,277 |
| Memoranda: | ||
| Average total assets | $337,722,000 | 1,943 |
| Average earning assets | $322,587,500 | 1,864 |
| Average equity | $31,132,000 | 2,104 |
| Average total loans | $169,320,000 | 2,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 3,123 |
| Cost of funding earning assets | 0.5722% | 7,176 |
| Net interest margin | 4.7298% | 767 |
| Noninterest income to average assets | 0.7247% | 2,677 |
| Noninterest expense to average assets | 2.9450% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2351% | 177 |
| Return on assets (ROA) | 2.2351% | 184 |
| Pretax return on assets | 2.2351% | 296 |
| Return on Equity (ROE) | 22.7933% | 150 |
| Retained earnings to average equity (ytd only) | 0.3814% | 5,387 |
| Net charge-offs to loans | 0.1311% | 5,592 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 31.8924% | 698 |
| Efficiency ratio | 56.8525% | 6,481 |
| Assets per employee ($millions) | 3.0708% | 5,948 |
| Cash dividends to net income (ytd only)* | 98.3268% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,610 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 5,791 |
| Noncurrent loans to loans | 0.0236% | 7,079 |
| Net loans and leases to total assets | 50.5687% | 6,105 |
| Net loans and leases to deposits | 57.8449% | 6,272 |
| Net loans and leases to core deposits | 67.1696% | 5,756 |
| Total domestic deposits to total assets | 87.4211% | 2,603 |
| Equity capital to assets | 9.9104% | 3,868 |
| Core capital (leverage) ratio | 10.0525% | 3,027 |
| Tier 1 risk-based capital ratio | 17.2279% | 2,255 |
| Total risk-based capital ratio | 18.2764% | 2,304 |
| Memoranda: | ||
| Average total assets | $318,201,000 | 2,046 |
| Average earning assets | $299,737,000 | 1,980 |
| Average equity | $31,202,200 | 2,102 |
| Average total loans | $170,040,000 | 2,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 2,931 |
| Cost of funding earning assets | 0.6078% | 7,273 |
| Net interest margin | 4.7821% | 700 |
| Noninterest income to average assets | 0.6827% | 2,926 |
| Noninterest expense to average assets | 2.8738% | 4,190 |
| Loan and lease loss provision to assets | 0.0855% | 6,185 |
| Net operating income to assets | 2.2114% | 238 |
| Return on assets (ROA) | 2.2114% | 252 |
| Pretax return on assets | 2.2114% | 400 |
| Return on Equity (ROE) | 22.6160% | 175 |
| Retained earnings to average equity (ytd only) | -7.6700% | 6,750 |
| Net charge-offs to loans | 0.1442% | 5,147 |
| Credit loss provision to net charge-offs | 109.7826% | 3,864 |
| Earnings coverage of net charge-offs (x) | 29.4779% | 890 |
| Efficiency ratio | 55.5774% | 6,615 |
| Assets per employee ($millions) | 3.1844% | 5,716 |
| Cash dividends to net income (ytd only)* | 133.9143% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,927 |
| Loan loss allowance to noncurrent loans | 6,059.4595% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 7,340 |
| Noncurrent loans to loans | 0.0216% | 7,208 |
| Net loans and leases to total assets | 52.1186% | 6,085 |
| Net loans and leases to deposits | 60.1793% | 6,300 |
| Net loans and leases to core deposits | 70.2477% | 5,721 |
| Total domestic deposits to total assets | 86.6056% | 2,754 |
| Equity capital to assets | 9.5635% | 4,749 |
| Core capital (leverage) ratio | 9.8356% | 3,445 |
| Tier 1 risk-based capital ratio | 15.9579% | 2,784 |
| Total risk-based capital ratio | 17.1099% | 2,780 |
| Memoranda: | ||
| Average total assets | $314,838,750 | 2,095 |
| Average earning assets | $295,486,000 | 2,035 |
| Average equity | $30,785,750 | 2,148 |
| Average total loans | $170,122,250 | 2,512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 2,571 |
| Cost of funding earning assets | 0.6673% | 7,260 |
| Net interest margin | 4.8214% | 638 |
| Noninterest income to average assets | 0.6741% | 2,857 |
| Noninterest expense to average assets | 2.9039% | 4,060 |
| Loan and lease loss provision to assets | 0.1162% | 5,737 |
| Net operating income to assets | 2.1720% | 247 |
| Return on assets (ROA) | 2.1720% | 270 |
| Pretax return on assets | 2.1720% | 427 |
| Return on Equity (ROE) | 22.0439% | 209 |
| Retained earnings to average equity (ytd only) | -18.7989% | 7,224 |
| Net charge-offs to loans | 0.2181% | 4,295 |
| Credit loss provision to net charge-offs | 97.8378% | 4,189 |
| Earnings coverage of net charge-offs (x) | 19.2649% | 1,259 |
| Efficiency ratio | 55.9293% | 6,643 |
| Assets per employee ($millions) | 2.9437% | 6,263 |
| Cash dividends to net income (ytd only)* | 185.2793% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 4,801 |
| Loan loss allowance to noncurrent loans | 898.3806% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 7,194 |
| Noncurrent loans to loans | 0.1472% | 6,967 |
| Net loans and leases to total assets | 54.1015% | 5,979 |
| Net loans and leases to deposits | 63.1246% | 6,123 |
| Net loans and leases to core deposits | 72.6167% | 5,609 |
| Total domestic deposits to total assets | 85.7059% | 3,258 |
| Equity capital to assets | 9.7765% | 4,307 |
| Core capital (leverage) ratio | 9.7714% | 3,447 |
| Tier 1 risk-based capital ratio | 15.9691% | 2,688 |
| Total risk-based capital ratio | 17.1534% | 2,677 |
| Memoranda: | ||
| Average total assets | $311,516,000 | 2,143 |
| Average earning assets | $291,905,330 | 2,080 |
| Average equity | $30,693,330 | 2,148 |
| Average total loans | $169,654,000 | 2,551 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4142% | 2,968 |
| Cost of funding earning assets | 0.6842% | 7,364 |
| Net interest margin | 4.7300% | 733 |
| Noninterest income to average assets | 0.6505% | 2,933 |
| Noninterest expense to average assets | 2.8822% | 4,130 |
| Loan and lease loss provision to assets | 0.1158% | 5,445 |
| Net operating income to assets | 2.0878% | 297 |
| Return on assets (ROA) | 2.0878% | 326 |
| Pretax return on assets | 2.0878% | 515 |
| Return on Equity (ROE) | 21.1102% | 326 |
| Retained earnings to average equity (ytd only) | -43.3532% | 7,657 |
| Net charge-offs to loans | 0.0141% | 5,389 |
| Credit loss provision to net charge-offs | 1,516.6667% | 317 |
| Earnings coverage of net charge-offs (x) | 288.5000% | 112 |
| Efficiency ratio | 56.6708% | 6,671 |
| Assets per employee ($millions) | 2.9922% | 6,229 |
| Cash dividends to net income (ytd only)* | 305.3659% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 4,613 |
| Loan loss allowance to noncurrent loans | 482.0459% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 7,099 |
| Noncurrent loans to loans | 0.2827% | 6,758 |
| Net loans and leases to total assets | 53.2000% | 6,130 |
| Net loans and leases to deposits | 61.8228% | 6,292 |
| Net loans and leases to core deposits | 69.8123% | 5,937 |
| Total domestic deposits to total assets | 86.0524% | 3,131 |
| Equity capital to assets | 9.3563% | 4,750 |
| Core capital (leverage) ratio | 9.4709% | 3,812 |
| Tier 1 risk-based capital ratio | 15.3229% | 2,957 |
| Total risk-based capital ratio | 16.5268% | 2,931 |
| Memoranda: | ||
| Average total assets | $314,203,500 | 2,167 |
| Average earning assets | $294,630,500 | 2,118 |
| Average equity | $31,075,000 | 2,140 |
| Average total loans | $170,558,000 | 2,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 3,783 |
| Cost of funding earning assets | 0.8503% | 7,486 |
| Net interest margin | 4.7152% | 812 |
| Noninterest income to average assets | 0.7964% | 2,419 |
| Noninterest expense to average assets | 2.9218% | 4,455 |
| Loan and lease loss provision to assets | 0.0270% | 7,243 |
| Net operating income to assets | 2.2636% | 126 |
| Return on assets (ROA) | 2.2636% | 138 |
| Pretax return on assets | 2.2636% | 241 |
| Return on Equity (ROE) | 23.3389% | 126 |
| Retained earnings to average equity (ytd only) | 16.5812% | 68 |
| Net charge-offs to loans | 0.0534% | 6,566 |
| Credit loss provision to net charge-offs | 95.4545% | 5,801 |
| Earnings coverage of net charge-offs (x) | 81.0568% | 336 |
| Efficiency ratio | 56.0559% | 7,009 |
| Assets per employee ($millions) | 2.9644% | 6,310 |
| Cash dividends to net income (ytd only)* | 28.9545% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,792 |
| Loan loss allowance to noncurrent loans | 81.1975% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8717% | 5,371 |
| Noncurrent loans to loans | 1.5956% | 4,261 |
| Net loans and leases to total assets | 53.9225% | 6,208 |
| Net loans and leases to deposits | 63.9245% | 6,271 |
| Net loans and leases to core deposits | 77.2517% | 6,321 |
| Total domestic deposits to total assets | 84.3535% | 3,863 |
| Equity capital to assets | 10.4238% | 3,260 |
| Core capital (leverage) ratio | 10.5957% | 2,506 |
| Tier 1 risk-based capital ratio | 17.0093% | 2,143 |
| Total risk-based capital ratio | 18.1645% | 2,145 |
| Memoranda: | ||
| Average total assets | $311,412,800 | 2,156 |
| Average earning assets | $291,652,200 | 2,116 |
| Average equity | $30,202,800 | 2,217 |
| Average total loans | $164,673,000 | 2,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 3,813 |
| Cost of funding earning assets | 0.8867% | 7,585 |
| Net interest margin | 4.7223% | 801 |
| Noninterest income to average assets | 0.7368% | 2,784 |
| Noninterest expense to average assets | 2.8300% | 4,760 |
| Loan and lease loss provision to assets | 0.0270% | 7,083 |
| Net operating income to assets | 2.3018% | 150 |
| Return on assets (ROA) | 2.3018% | 164 |
| Pretax return on assets | 2.3018% | 288 |
| Return on Equity (ROE) | 24.1902% | 121 |
| Retained earnings to average equity (ytd only) | 14.9858% | 162 |
| Net charge-offs to loans | 0.0679% | 6,011 |
| Credit loss provision to net charge-offs | 75.9036% | 5,867 |
| Earnings coverage of net charge-offs (x) | 65.3879% | 505 |
| Efficiency ratio | 54.8578% | 7,135 |
| Assets per employee ($millions) | 3.0273% | 6,089 |
| Cash dividends to net income (ytd only)* | 38.0500% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,491 |
| Loan loss allowance to noncurrent loans | 81.5595% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 5,349 |
| Noncurrent loans to loans | 1.5954% | 4,239 |
| Net loans and leases to total assets | 53.6865% | 6,423 |
| Net loans and leases to deposits | 62.7165% | 6,608 |
| Net loans and leases to core deposits | 76.8020% | 6,569 |
| Total domestic deposits to total assets | 85.6018% | 2,916 |
| Equity capital to assets | 9.9767% | 4,117 |
| Core capital (leverage) ratio | 10.0181% | 3,255 |
| Tier 1 risk-based capital ratio | 16.0921% | 2,594 |
| Total risk-based capital ratio | 17.2340% | 2,567 |
| Memoranda: | ||
| Average total assets | $310,710,250 | 2,170 |
| Average earning assets | $290,952,250 | 2,132 |
| Average equity | $29,565,000 | 2,281 |
| Average total loans | $162,926,000 | 2,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 3,576 |
| Cost of funding earning assets | 0.9327% | 7,655 |
| Net interest margin | 4.7611% | 714 |
| Noninterest income to average assets | 0.7250% | 2,843 |
| Noninterest expense to average assets | 2.8349% | 4,805 |
| Loan and lease loss provision to assets | 0.0271% | 6,973 |
| Net operating income to assets | 2.3142% | 157 |
| Return on assets (ROA) | 2.3142% | 173 |
| Pretax return on assets | 2.3142% | 291 |
| Return on Equity (ROE) | 24.7226% | 142 |
| Retained earnings to average equity (ytd only) | 15.3320% | 189 |
| Net charge-offs to loans | 0.0983% | 5,186 |
| Credit loss provision to net charge-offs | 53.1646% | 5,717 |
| Earnings coverage of net charge-offs (x) | 45.9873% | 731 |
| Efficiency ratio | 54.7684% | 7,251 |
| Assets per employee ($millions) | 2.9399% | 6,294 |
| Cash dividends to net income (ytd only)* | 37.9838% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 3,914 |
| Loan loss allowance to noncurrent loans | 215.4376% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 6,641 |
| Noncurrent loans to loans | 0.6330% | 5,983 |
| Net loans and leases to total assets | 51.3334% | 6,755 |
| Net loans and leases to deposits | 60.1142% | 6,881 |
| Net loans and leases to core deposits | 73.0979% | 6,837 |
| Total domestic deposits to total assets | 85.3931% | 3,065 |
| Equity capital to assets | 9.7081% | 4,338 |
| Core capital (leverage) ratio | 9.4587% | 3,941 |
| Tier 1 risk-based capital ratio | 16.0928% | 2,593 |
| Total risk-based capital ratio | 17.2696% | 2,558 |
| Memoranda: | ||
| Average total assets | $310,341,670 | 2,198 |
| Average earning assets | $290,140,330 | 2,170 |
| Average equity | $29,050,330 | 2,334 |
| Average total loans | $160,698,000 | 2,811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7367% | 3,604 |
| Cost of funding earning assets | 0.9832% | 7,697 |
| Net interest margin | 4.7536% | 675 |
| Noninterest income to average assets | 0.6697% | 3,072 |
| Noninterest expense to average assets | 2.8036% | 4,549 |
| Loan and lease loss provision to assets | 0.0270% | 6,587 |
| Net operating income to assets | 2.2830% | 201 |
| Return on assets (ROA) | 2.2830% | 232 |
| Pretax return on assets | 2.2830% | 378 |
| Return on Equity (ROE) | 24.8465% | 193 |
| Retained earnings to average equity (ytd only) | 24.8465% | 85 |
| Net charge-offs to loans | 0.0100% | 5,505 |
| Credit loss provision to net charge-offs | 525.0000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 449.2500% | 70 |
| Efficiency ratio | 54.8265% | 7,132 |
| Assets per employee ($millions) | 3.0495% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 3,645 |
| Loan loss allowance to noncurrent loans | 200.9848% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 6,468 |
| Noncurrent loans to loans | 0.6834% | 5,696 |
| Net loans and leases to total assets | 50.3417% | 6,831 |
| Net loans and leases to deposits | 58.5928% | 6,998 |
| Net loans and leases to core deposits | 71.5092% | 6,933 |
| Total domestic deposits to total assets | 85.9179% | 2,769 |
| Equity capital to assets | 9.2160% | 5,071 |
| Core capital (leverage) ratio | 9.6322% | 3,842 |
| Tier 1 risk-based capital ratio | 15.4528% | 2,872 |
| Total risk-based capital ratio | 16.6284% | 2,835 |
| Memoranda: | ||
| Average total assets | $311,167,500 | 2,207 |
| Average earning assets | $290,897,000 | 2,178 |
| Average equity | $28,591,500 | 2,378 |
| Average total loans | $160,721,000 | 2,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4493% | 3,191 |
| Cost of funding earning assets | 1.4226% | 7,719 |
| Net interest margin | 5.0268% | 476 |
| Noninterest income to average assets | 0.8620% | 2,153 |
| Noninterest expense to average assets | 2.9664% | 4,197 |
| Loan and lease loss provision to assets | 0.0438% | 6,867 |
| Net operating income to assets | 2.5456% | 118 |
| Return on assets (ROA) | 2.5456% | 115 |
| Pretax return on assets | 2.5456% | 178 |
| Return on Equity (ROE) | 24.4718% | 156 |
| Retained earnings to average equity (ytd only) | -18.1664% | 7,628 |
| Net charge-offs to loans | 0.0425% | 6,182 |
| Credit loss provision to net charge-offs | 208.1967% | 2,327 |
| Earnings coverage of net charge-offs (x) | 122.9672% | 367 |
| Efficiency ratio | 53.3926% | 7,339 |
| Assets per employee ($millions) | 2.6047% | 6,992 |
| Cash dividends to net income (ytd only)* | 174.2338% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,139 |
| Loan loss allowance to noncurrent loans | 215.8915% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 6,233 |
| Noncurrent loans to loans | 0.6531% | 5,410 |
| Net loans and leases to total assets | 51.5580% | 6,889 |
| Net loans and leases to deposits | 61.9642% | 6,948 |
| Net loans and leases to core deposits | 74.3393% | 6,954 |
| Total domestic deposits to total assets | 83.2062% | 3,682 |
| Equity capital to assets | 9.1593% | 5,140 |
| Core capital (leverage) ratio | 9.1455% | 4,532 |
| Tier 1 risk-based capital ratio | 15.0896% | 2,996 |
| Total risk-based capital ratio | 16.3042% | 2,939 |
| Memoranda: | ||
| Average total assets | $289,674,400 | 2,255 |
| Average earning assets | $270,492,400 | 2,227 |
| Average equity | $30,132,600 | 2,253 |
| Average total loans | $143,509,600 | 3,029 |