Home > Western State Bank > Performance and Condition Ratios
Western State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9906% | 222 |
| Cost of funding earning assets | 2.1150% | 751 |
| Net interest margin | 4.8756% | 376 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.6192% | 1,953 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.5770% | 896 |
| Return on assets (ROA) | 1.5811% | 857 |
| Pretax return on assets | 2.0746% | 605 |
| Return on Equity (ROE) | 13.9700% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.2679% | 736 |
| Net charge-offs to loans | 0.1519% | 678 |
| Credit loss provision to net charge-offs | 260.4934% | 1,047 |
| Earnings coverage of net charge-offs (x) | 17.6348% | 1,968 |
| Efficiency ratio | 51.8898% | 3,842 |
| Assets per employee ($millions) | 7.6253% | 1,642 |
| Cash dividends to net income (ytd only)* | 19.3189% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 721 |
| Loan loss allowance to noncurrent loans | 328.7903% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 1,223 |
| Noncurrent loans to loans | 0.5066% | 1,516 |
| Net loans and leases to total assets | 88.3300% | 74 |
| Net loans and leases to deposits | 101.7436% | 448 |
| Net loans and leases to core deposits | 116.1346% | 740 |
| Total domestic deposits to total assets | 86.8100% | 1,750 |
| Equity capital to assets | 10.9315% | 1,505 |
| Core capital (leverage) ratio | 11.1773% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9605% | 2,255 |
| Memoranda: | ||
| Average total assets | $1,972,517,400 | 582 |
| Average earning assets | $1,880,766,600 | 553 |
| Average equity | $223,307,200 | 491 |
| Average total loans | $1,788,499,200 | 444 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8567% | 221 |
| Cost of funding earning assets | 1.9359% | 801 |
| Net interest margin | 4.9209% | 344 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.7137% | 1,619 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 1.5292% | 1,066 |
| Return on assets (ROA) | 1.5300% | 1,048 |
| Pretax return on assets | 2.0335% | 726 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.6124% | 1,240 |
| Net charge-offs to loans | 0.1249% | 651 |
| Credit loss provision to net charge-offs | 321.8426% | 843 |
| Earnings coverage of net charge-offs (x) | 21.1147% | 1,788 |
| Efficiency ratio | 53.0865% | 3,664 |
| Assets per employee ($millions) | 7.4290% | 1,681 |
| Cash dividends to net income (ytd only)* | 20.7182% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 706 |
| Loan loss allowance to noncurrent loans | 292.0524% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 1,114 |
| Noncurrent loans to loans | 0.5806% | 1,377 |
| Net loans and leases to total assets | 88.6000% | 64 |
| Net loans and leases to deposits | 102.1018% | 430 |
| Net loans and leases to core deposits | 118.3204% | 594 |
| Total domestic deposits to total assets | 86.7800% | 1,957 |
| Equity capital to assets | 10.9989% | 1,345 |
| Core capital (leverage) ratio | 11.2584% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0176% | 2,265 |
| Memoranda: | ||
| Average total assets | $1,924,247,500 | 592 |
| Average earning assets | $1,833,539,000 | 566 |
| Average equity | $219,951,000 | 495 |
| Average total loans | $1,749,318,250 | 454 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7591% | 207 |
| Cost of funding earning assets | 1.7005% | 882 |
| Net interest margin | 5.0585% | 290 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.7512% | 1,524 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 1.6268% | 903 |
| Return on assets (ROA) | 1.6278% | 906 |
| Pretax return on assets | 2.1639% | 563 |
| Return on Equity (ROE) | 14.0500% | 1,671 |
| Retained earnings to average equity (ytd only) | 10.9160% | 1,199 |
| Net charge-offs to loans | 0.0901% | 725 |
| Credit loss provision to net charge-offs | 451.2987% | 686 |
| Earnings coverage of net charge-offs (x) | 30.8403% | 1,532 |
| Efficiency ratio | 52.0591% | 3,767 |
| Assets per employee ($millions) | 7.0366% | 1,900 |
| Cash dividends to net income (ytd only)* | 22.2819% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 723 |
| Loan loss allowance to noncurrent loans | 248.7258% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 849 |
| Noncurrent loans to loans | 0.6897% | 1,086 |
| Net loans and leases to total assets | 89.4000% | 45 |
| Net loans and leases to deposits | 104.9180% | 340 |
| Net loans and leases to core deposits | 122.3082% | 466 |
| Total domestic deposits to total assets | 85.2100% | 2,483 |
| Equity capital to assets | 11.3196% | 1,263 |
| Core capital (leverage) ratio | 11.7459% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1383% | 2,238 |
| Memoranda: | ||
| Average total assets | $1,874,768,000 | 598 |
| Average earning assets | $1,776,842,000 | 572 |
| Average equity | $217,277,000 | 493 |
| Average total loans | $1,709,703,667 | 445 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6722% | 154 |
| Cost of funding earning assets | 1.5513% | 766 |
| Net interest margin | 5.1209% | 246 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.8254% | 1,385 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.6734% | 862 |
| Return on assets (ROA) | 1.6746% | 860 |
| Pretax return on assets | 2.2270% | 550 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 12.7778% | 1,126 |
| Net charge-offs to loans | 0.0508% | 854 |
| Credit loss provision to net charge-offs | 566.0377% | 524 |
| Earnings coverage of net charge-offs (x) | 53.6085% | 1,077 |
| Efficiency ratio | 53.1685% | 3,688 |
| Assets per employee ($millions) | 7.0082% | 1,979 |
| Cash dividends to net income (ytd only)* | 10.4589% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 803 |
| Loan loss allowance to noncurrent loans | 241.0563% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 788 |
| Noncurrent loans to loans | 0.7077% | 1,076 |
| Net loans and leases to total assets | 88.3900% | 62 |
| Net loans and leases to deposits | 103.7983% | 304 |
| Net loans and leases to core deposits | 117.5838% | 499 |
| Total domestic deposits to total assets | 85.1500% | 2,818 |
| Equity capital to assets | 11.5276% | 1,145 |
| Core capital (leverage) ratio | 12.0106% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4104% | 2,218 |
| Memoranda: | ||
| Average total assets | $1,827,022,500 | 623 |
| Average earning assets | $1,716,186,000 | 605 |
| Average equity | $214,402,500 | 511 |
| Average total loans | $1,668,431,000 | 461 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 132 |
| Cost of funding earning assets | 0.4161% | 1,973 |
| Net interest margin | 5.2163% | 116 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.6816% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2486% | 199 |
| Return on assets (ROA) | 2.2483% | 190 |
| Pretax return on assets | 2.9732% | 130 |
| Return on Equity (ROE) | 19.7700% | 501 |
| Retained earnings to average equity (ytd only) | 15.0716% | 286 |
| Net charge-offs to loans | 0.1812% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 19.2574% | 1,916 |
| Efficiency ratio | 47.4172% | 4,282 |
| Assets per employee ($millions) | 6.6485% | 2,220 |
| Cash dividends to net income (ytd only)* | 23.7661% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 788 |
| Loan loss allowance to noncurrent loans | 223.8723% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 676 |
| Noncurrent loans to loans | 0.7659% | 979 |
| Net loans and leases to total assets | 91.2300% | 22 |
| Net loans and leases to deposits | 108.0930% | 194 |
| Net loans and leases to core deposits | 126.3502% | 275 |
| Total domestic deposits to total assets | 84.4000% | 3,127 |
| Equity capital to assets | 11.9579% | 948 |
| Core capital (leverage) ratio | 12.5742% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4378% | 2,186 |
| Memoranda: | ||
| Average total assets | $1,731,123,400 | 627 |
| Average earning assets | $1,671,095,600 | 598 |
| Average equity | $196,867,400 | 536 |
| Average total loans | $1,474,831,200 | 488 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 125 |
| Cost of funding earning assets | 0.3082% | 2,077 |
| Net interest margin | 5.1162% | 103 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.6470% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.2526% | 199 |
| Return on assets (ROA) | 2.2520% | 196 |
| Pretax return on assets | 2.9974% | 138 |
| Return on Equity (ROE) | 20.0700% | 430 |
| Retained earnings to average equity (ytd only) | 16.5857% | 238 |
| Net charge-offs to loans | 0.1627% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 22.1325% | 1,674 |
| Efficiency ratio | 46.8870% | 4,336 |
| Assets per employee ($millions) | 6.1877% | 2,586 |
| Cash dividends to net income (ytd only)* | 17.3480% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 612 |
| Loan loss allowance to noncurrent loans | 228.3349% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 661 |
| Noncurrent loans to loans | 0.8286% | 953 |
| Net loans and leases to total assets | 90.2300% | 24 |
| Net loans and leases to deposits | 107.3804% | 164 |
| Net loans and leases to core deposits | 118.6108% | 287 |
| Total domestic deposits to total assets | 84.0300% | 3,501 |
| Equity capital to assets | 12.2898% | 823 |
| Core capital (leverage) ratio | 12.1400% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9653% | 2,063 |
| Memoranda: | ||
| Average total assets | $1,723,444,250 | 630 |
| Average earning assets | $1,666,857,250 | 599 |
| Average equity | $193,414,500 | 544 |
| Average total loans | $1,434,691,250 | 493 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 135 |
| Cost of funding earning assets | 0.2912% | 1,793 |
| Net interest margin | 4.8750% | 117 |
| Noninterest income to average assets | 0.8634% | 921 |
| Noninterest expense to average assets | 2.5840% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2533% | 147 |
| Return on assets (ROA) | 2.2523% | 147 |
| Pretax return on assets | 2.9982% | 97 |
| Return on Equity (ROE) | 20.6961% | 264 |
| Retained earnings to average equity (ytd only) | 16.3207% | 175 |
| Net charge-offs to loans | 0.1757% | 365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.2192% | 1,532 |
| Efficiency ratio | 46.2775% | 4,438 |
| Assets per employee ($millions) | 6.6214% | 2,229 |
| Cash dividends to net income (ytd only)* | 21.1411% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 480 |
| Loan loss allowance to noncurrent loans | 252.3194% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 825 |
| Noncurrent loans to loans | 0.8198% | 1,049 |
| Net loans and leases to total assets | 79.2421% | 459 |
| Net loans and leases to deposits | 92.8746% | 561 |
| Net loans and leases to core deposits | 101.9667% | 594 |
| Total domestic deposits to total assets | 85.3216% | 3,409 |
| Equity capital to assets | 11.1522% | 1,150 |
| Core capital (leverage) ratio | 11.4165% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2548% | 1,955 |
| Memoranda: | ||
| Average total assets | $1,743,091,667 | 621 |
| Average earning assets | $1,687,721,333 | 596 |
| Average equity | $189,698,000 | 564 |
| Average total loans | $1,402,654,667 | 495 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 127 |
| Cost of funding earning assets | 0.2930% | 1,721 |
| Net interest margin | 4.8392% | 115 |
| Noninterest income to average assets | 1.0667% | 598 |
| Noninterest expense to average assets | 2.5961% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.3744% | 136 |
| Return on assets (ROA) | 2.3737% | 134 |
| Pretax return on assets | 3.1601% | 89 |
| Return on Equity (ROE) | 22.0891% | 151 |
| Retained earnings to average equity (ytd only) | 16.9371% | 184 |
| Net charge-offs to loans | 0.2334% | 269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 16.8756% | 1,329 |
| Efficiency ratio | 45.0896% | 4,526 |
| Assets per employee ($millions) | 6.7354% | 2,195 |
| Cash dividends to net income (ytd only)* | 23.3236% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 459 |
| Loan loss allowance to noncurrent loans | 234.2421% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 776 |
| Noncurrent loans to loans | 0.9264% | 984 |
| Net loans and leases to total assets | 76.3899% | 481 |
| Net loans and leases to deposits | 88.9246% | 565 |
| Net loans and leases to core deposits | 97.5397% | 591 |
| Total domestic deposits to total assets | 85.9042% | 3,296 |
| Equity capital to assets | 10.7455% | 1,468 |
| Core capital (leverage) ratio | 10.9347% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1472% | 2,137 |
| Memoranda: | ||
| Average total assets | $1,733,997,500 | 625 |
| Average earning assets | $1,680,679,000 | 595 |
| Average equity | $186,336,500 | 586 |
| Average total loans | $1,391,403,500 | 494 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4796% | 133 |
| Cost of funding earning assets | 0.3687% | 1,773 |
| Net interest margin | 5.1110% | 119 |
| Noninterest income to average assets | 0.9076% | 1,183 |
| Noninterest expense to average assets | 2.6562% | 1,738 |
| Loan and lease loss provision to assets | 0.3560% | 203 |
| Net operating income to assets | 2.1551% | 266 |
| Return on assets (ROA) | 2.1561% | 280 |
| Pretax return on assets | 2.8416% | 170 |
| Return on Equity (ROE) | 20.9892% | 263 |
| Retained earnings to average equity (ytd only) | 19.3252% | 70 |
| Net charge-offs to loans | 0.1951% | 501 |
| Credit loss provision to net charge-offs | 215.1098% | 1,268 |
| Earnings coverage of net charge-offs (x) | 19.3122% | 1,881 |
| Efficiency ratio | 45.3354% | 4,528 |
| Assets per employee ($millions) | 6.5765% | 2,264 |
| Cash dividends to net income (ytd only)* | 7.9279% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1862% | 457 |
| Loan loss allowance to noncurrent loans | 218.7068% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 716 |
| Noncurrent loans to loans | 0.9996% | 989 |
| Net loans and leases to total assets | 80.6754% | 240 |
| Net loans and leases to deposits | 93.8609% | 388 |
| Net loans and leases to core deposits | 103.1210% | 433 |
| Total domestic deposits to total assets | 85.9521% | 2,928 |
| Equity capital to assets | 10.7466% | 1,980 |
| Core capital (leverage) ratio | 10.8188% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8525% | 2,300 |
| Memoranda: | ||
| Average total assets | $1,623,428,200 | 642 |
| Average earning assets | $1,570,723,000 | 612 |
| Average equity | $166,766,800 | 651 |
| Average total loans | $1,377,522,200 | 497 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5679% | 134 |
| Cost of funding earning assets | 0.3803% | 1,853 |
| Net interest margin | 5.1876% | 123 |
| Noninterest income to average assets | 1.0084% | 1,058 |
| Noninterest expense to average assets | 2.6136% | 1,800 |
| Loan and lease loss provision to assets | 0.3784% | 182 |
| Net operating income to assets | 2.2819% | 278 |
| Return on assets (ROA) | 2.2829% | 295 |
| Pretax return on assets | 3.0295% | 172 |
| Return on Equity (ROE) | 22.4994% | 273 |
| Retained earnings to average equity (ytd only) | 20.6351% | 112 |
| Net charge-offs to loans | 0.2249% | 368 |
| Credit loss provision to net charge-offs | 196.7993% | 1,217 |
| Earnings coverage of net charge-offs (x) | 17.7197% | 1,806 |
| Efficiency ratio | 43.3646% | 4,606 |
| Assets per employee ($millions) | 6.7005% | 2,099 |
| Cash dividends to net income (ytd only)* | 8.2863% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2040% | 452 |
| Loan loss allowance to noncurrent loans | 184.3200% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 703 |
| Noncurrent loans to loans | 1.1958% | 931 |
| Net loans and leases to total assets | 78.4608% | 372 |
| Net loans and leases to deposits | 90.9156% | 550 |
| Net loans and leases to core deposits | 99.9499% | 585 |
| Total domestic deposits to total assets | 86.3007% | 2,637 |
| Equity capital to assets | 10.4386% | 2,502 |
| Core capital (leverage) ratio | 10.8067% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3707% | 2,220 |
| Memoranda: | ||
| Average total assets | $1,603,456,000 | 654 |
| Average earning assets | $1,549,103,500 | 626 |
| Average equity | $162,696,250 | 671 |
| Average total loans | $1,370,685,250 | 508 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 157 |
| Cost of funding earning assets | 0.4129% | 1,777 |
| Net interest margin | 5.1527% | 144 |
| Noninterest income to average assets | 0.9726% | 1,116 |
| Noninterest expense to average assets | 2.6425% | 1,748 |
| Loan and lease loss provision to assets | 0.3873% | 172 |
| Net operating income to assets | 2.2050% | 336 |
| Return on assets (ROA) | 2.2060% | 357 |
| Pretax return on assets | 2.9271% | 204 |
| Return on Equity (ROE) | 21.9668% | 319 |
| Retained earnings to average equity (ytd only) | 19.0902% | 186 |
| Net charge-offs to loans | 0.2365% | 371 |
| Credit loss provision to net charge-offs | 187.4616% | 1,073 |
| Earnings coverage of net charge-offs (x) | 16.0369% | 1,616 |
| Efficiency ratio | 44.3191% | 4,599 |
| Assets per employee ($millions) | 6.7425% | 1,991 |
| Cash dividends to net income (ytd only)* | 13.0950% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 511 |
| Loan loss allowance to noncurrent loans | 181.1112% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 745 |
| Noncurrent loans to loans | 1.1569% | 1,049 |
| Net loans and leases to total assets | 85.2872% | 99 |
| Net loans and leases to deposits | 98.7886% | 288 |
| Net loans and leases to core deposits | 109.4921% | 374 |
| Total domestic deposits to total assets | 86.3331% | 2,610 |
| Equity capital to assets | 10.4406% | 2,449 |
| Core capital (leverage) ratio | 10.6503% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3901% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,575,099,000 | 657 |
| Average earning assets | $1,523,192,333 | 625 |
| Average equity | $158,175,333 | 684 |
| Average total loans | $1,376,017,000 | 508 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4747% | 197 |
| Cost of funding earning assets | 0.4558% | 1,677 |
| Net interest margin | 5.0188% | 181 |
| Noninterest income to average assets | 0.7249% | 1,788 |
| Noninterest expense to average assets | 2.6573% | 1,720 |
| Loan and lease loss provision to assets | 0.5169% | 124 |
| Net operating income to assets | 1.8055% | 782 |
| Return on assets (ROA) | 1.8075% | 833 |
| Pretax return on assets | 2.4012% | 520 |
| Return on Equity (ROE) | 18.3688% | 678 |
| Retained earnings to average equity (ytd only) | 15.5802% | 560 |
| Net charge-offs to loans | 0.2328% | 365 |
| Credit loss provision to net charge-offs | 253.7594% | 812 |
| Earnings coverage of net charge-offs (x) | 14.3133% | 1,368 |
| Efficiency ratio | 47.6273% | 4,366 |
| Assets per employee ($millions) | 6.8394% | 1,902 |
| Cash dividends to net income (ytd only)* | 15.1815% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0763% | 520 |
| Loan loss allowance to noncurrent loans | 162.0072% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 712 |
| Noncurrent loans to loans | 1.2816% | 1,013 |
| Net loans and leases to total assets | 84.6475% | 126 |
| Net loans and leases to deposits | 100.3637% | 276 |
| Net loans and leases to core deposits | 111.7707% | 365 |
| Total domestic deposits to total assets | 84.3407% | 3,324 |
| Equity capital to assets | 9.7724% | 2,927 |
| Core capital (leverage) ratio | 10.2134% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9094% | 2,701 |
| Memoranda: | ||
| Average total assets | $1,567,029,500 | 650 |
| Average earning assets | $1,513,667,000 | 623 |
| Average equity | $154,196,000 | 694 |
| Average total loans | $1,370,942,500 | 516 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8461% | 112 |
| Cost of funding earning assets | 0.9209% | 801 |
| Net interest margin | 4.9252% | 138 |
| Noninterest income to average assets | 0.7369% | 1,729 |
| Noninterest expense to average assets | 2.6784% | 2,299 |
| Loan and lease loss provision to assets | 0.8653% | 137 |
| Net operating income to assets | 1.4725% | 871 |
| Return on assets (ROA) | 1.4737% | 946 |
| Pretax return on assets | 1.9364% | 518 |
| Return on Equity (ROE) | 14.4851% | 720 |
| Retained earnings to average equity (ytd only) | 10.6304% | 478 |
| Net charge-offs to loans | 0.2337% | 747 |
| Credit loss provision to net charge-offs | 414.8718% | 1,398 |
| Earnings coverage of net charge-offs (x) | 13.4256% | 2,278 |
| Efficiency ratio | 48.8013% | 4,595 |
| Assets per employee ($millions) | 6.7260% | 1,766 |
| Cash dividends to net income (ytd only)* | 26.6112% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0421% | 538 |
| Loan loss allowance to noncurrent loans | 159.1197% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1369% | 794 |
| Noncurrent loans to loans | 1.2834% | 1,066 |
| Net loans and leases to total assets | 86.7772% | 75 |
| Net loans and leases to deposits | 103.3343% | 270 |
| Net loans and leases to core deposits | 114.7369% | 392 |
| Total domestic deposits to total assets | 83.9772% | 3,116 |
| Equity capital to assets | 9.9112% | 3,210 |
| Core capital (leverage) ratio | 10.0221% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5816% | 2,778 |
| Memoranda: | ||
| Average total assets | $1,402,457,200 | 656 |
| Average earning assets | $1,350,183,200 | 624 |
| Average equity | $142,684,600 | 704 |
| Average total loans | $1,251,710,200 | 526 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0595% | 99 |
| Cost of funding earning assets | 1.0132% | 727 |
| Net interest margin | 5.0464% | 128 |
| Noninterest income to average assets | 0.6831% | 1,847 |
| Noninterest expense to average assets | 2.6868% | 2,300 |
| Loan and lease loss provision to assets | 1.0145% | 131 |
| Net operating income to assets | 1.3876% | 1,131 |
| Return on assets (ROA) | 1.3889% | 1,223 |
| Pretax return on assets | 1.8425% | 722 |
| Return on Equity (ROE) | 13.5546% | 963 |
| Retained earnings to average equity (ytd only) | 9.2375% | 926 |
| Net charge-offs to loans | 0.2200% | 694 |
| Credit loss provision to net charge-offs | 515.5632% | 1,263 |
| Earnings coverage of net charge-offs (x) | 14.5099% | 2,153 |
| Efficiency ratio | 48.3817% | 4,587 |
| Assets per employee ($millions) | 6.6011% | 1,754 |
| Cash dividends to net income (ytd only)* | 31.8494% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 509 |
| Loan loss allowance to noncurrent loans | 161.9626% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 875 |
| Noncurrent loans to loans | 1.2228% | 1,245 |
| Net loans and leases to total assets | 91.8259% | 17 |
| Net loans and leases to deposits | 106.3373% | 313 |
| Net loans and leases to core deposits | 119.6572% | 421 |
| Total domestic deposits to total assets | 86.3535% | 1,913 |
| Equity capital to assets | 10.0934% | 3,155 |
| Core capital (leverage) ratio | 9.9457% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6420% | 2,746 |
| Memoranda: | ||
| Average total assets | $1,371,371,250 | 654 |
| Average earning assets | $1,320,442,750 | 620 |
| Average equity | $140,524,750 | 708 |
| Average total loans | $1,226,504,000 | 529 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2777% | 103 |
| Cost of funding earning assets | 1.1153% | 679 |
| Net interest margin | 5.1625% | 147 |
| Noninterest income to average assets | 0.6960% | 1,749 |
| Noninterest expense to average assets | 2.6986% | 2,386 |
| Loan and lease loss provision to assets | 1.3048% | 117 |
| Net operating income to assets | 1.2479% | 1,500 |
| Return on assets (ROA) | 1.2498% | 1,610 |
| Pretax return on assets | 1.6572% | 1,086 |
| Return on Equity (ROE) | 12.1316% | 1,302 |
| Retained earnings to average equity (ytd only) | 6.7254% | 1,765 |
| Net charge-offs to loans | 0.2102% | 740 |
| Credit loss provision to net charge-offs | 706.1897% | 999 |
| Earnings coverage of net charge-offs (x) | 16.0185% | 1,879 |
| Efficiency ratio | 47.5864% | 4,652 |
| Assets per employee ($millions) | 6.8254% | 1,547 |
| Cash dividends to net income (ytd only)* | 44.5633% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 461 |
| Loan loss allowance to noncurrent loans | 132.6399% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 756 |
| Noncurrent loans to loans | 1.4858% | 1,020 |
| Net loans and leases to total assets | 88.3737% | 53 |
| Net loans and leases to deposits | 101.7479% | 455 |
| Net loans and leases to core deposits | 115.4642% | 551 |
| Total domestic deposits to total assets | 86.8555% | 1,680 |
| Equity capital to assets | 9.6433% | 3,531 |
| Core capital (leverage) ratio | 10.0689% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4742% | 2,826 |
| Memoranda: | ||
| Average total assets | $1,346,614,000 | 652 |
| Average earning assets | $1,294,384,667 | 616 |
| Average equity | $138,728,333 | 707 |
| Average total loans | $1,183,906,667 | 536 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8819% | 191 |
| Cost of funding earning assets | 1.2131% | 737 |
| Net interest margin | 4.6689% | 357 |
| Noninterest income to average assets | 0.7680% | 1,401 |
| Noninterest expense to average assets | 2.8012% | 2,427 |
| Loan and lease loss provision to assets | 0.6576% | 403 |
| Net operating income to assets | 1.3502% | 1,106 |
| Return on assets (ROA) | 1.3502% | 1,189 |
| Pretax return on assets | 1.7872% | 721 |
| Return on Equity (ROE) | 12.6480% | 948 |
| Retained earnings to average equity (ytd only) | 9.8877% | 765 |
| Net charge-offs to loans | 0.1507% | 855 |
| Credit loss provision to net charge-offs | 503.5629% | 868 |
| Earnings coverage of net charge-offs (x) | 18.7221% | 1,459 |
| Efficiency ratio | 53.2726% | 4,450 |
| Assets per employee ($millions) | 6.0693% | 1,623 |
| Cash dividends to net income (ytd only)* | 21.8240% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 755 |
| Loan loss allowance to noncurrent loans | 110.4223% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.4087% | 794 |
| Noncurrent loans to loans | 1.6037% | 970 |
| Net loans and leases to total assets | 86.2850% | 123 |
| Net loans and leases to deposits | 101.4565% | 470 |
| Net loans and leases to core deposits | 117.3428% | 544 |
| Total domestic deposits to total assets | 85.0463% | 2,394 |
| Equity capital to assets | 10.7941% | 3,053 |
| Core capital (leverage) ratio | 10.9059% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9358% | 2,738 |
| Memoranda: | ||
| Average total assets | $1,289,608,500 | 649 |
| Average earning assets | $1,236,872,000 | 615 |
| Average equity | $137,666,000 | 702 |
| Average total loans | $1,117,480,500 | 541 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2294% | 158 |
| Cost of funding earning assets | 1.2814% | 811 |
| Net interest margin | 4.9479% | 295 |
| Noninterest income to average assets | 0.6964% | 1,836 |
| Noninterest expense to average assets | 2.8493% | 2,444 |
| Loan and lease loss provision to assets | 0.4614% | 285 |
| Net operating income to assets | 1.6223% | 796 |
| Return on assets (ROA) | 1.6223% | 852 |
| Pretax return on assets | 2.1222% | 453 |
| Return on Equity (ROE) | 15.1832% | 655 |
| Retained earnings to average equity (ytd only) | 10.7626% | 370 |
| Net charge-offs to loans | 0.3032% | 688 |
| Credit loss provision to net charge-offs | 176.3578% | 1,475 |
| Earnings coverage of net charge-offs (x) | 9.8744% | 2,623 |
| Efficiency ratio | 52.3042% | 4,583 |
| Assets per employee ($millions) | 5.9284% | 1,683 |
| Cash dividends to net income (ytd only)* | 29.1147% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 840 |
| Loan loss allowance to noncurrent loans | 159.8090% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 1,424 |
| Noncurrent loans to loans | 1.0478% | 1,444 |
| Net loans and leases to total assets | 84.0280% | 315 |
| Net loans and leases to deposits | 98.7620% | 695 |
| Net loans and leases to core deposits | 114.0504% | 668 |
| Total domestic deposits to total assets | 85.0813% | 2,456 |
| Equity capital to assets | 10.5554% | 3,393 |
| Core capital (leverage) ratio | 10.8386% | 2,646 |
| Tier 1 risk-based capital ratio | 11.7340% | 4,505 |
| Total risk-based capital ratio | 12.9889% | 4,383 |
| Memoranda: | ||
| Average total assets | $1,196,234,000 | 662 |
| Average earning assets | $1,145,120,800 | 634 |
| Average equity | $127,812,400 | 716 |
| Average total loans | $1,032,191,800 | 556 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2414% | 164 |
| Cost of funding earning assets | 1.2701% | 864 |
| Net interest margin | 4.9712% | 309 |
| Noninterest income to average assets | 0.7336% | 1,652 |
| Noninterest expense to average assets | 2.9150% | 2,209 |
| Loan and lease loss provision to assets | 0.4499% | 281 |
| Net operating income to assets | 1.6015% | 933 |
| Return on assets (ROA) | 1.6015% | 972 |
| Pretax return on assets | 2.1232% | 519 |
| Return on Equity (ROE) | 14.9398% | 788 |
| Retained earnings to average equity (ytd only) | 9.7472% | 817 |
| Net charge-offs to loans | 0.2554% | 692 |
| Credit loss provision to net charge-offs | 203.5990% | 1,294 |
| Earnings coverage of net charge-offs (x) | 11.6452% | 2,426 |
| Efficiency ratio | 52.9683% | 4,508 |
| Assets per employee ($millions) | 5.8069% | 1,756 |
| Cash dividends to net income (ytd only)* | 34.7567% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 826 |
| Loan loss allowance to noncurrent loans | 193.0942% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 1,824 |
| Noncurrent loans to loans | 0.8792% | 1,825 |
| Net loans and leases to total assets | 84.0342% | 352 |
| Net loans and leases to deposits | 99.1806% | 709 |
| Net loans and leases to core deposits | 115.9256% | 658 |
| Total domestic deposits to total assets | 84.7284% | 2,533 |
| Equity capital to assets | 10.5610% | 3,494 |
| Core capital (leverage) ratio | 10.6868% | 2,941 |
| Tier 1 risk-based capital ratio | 11.8057% | 4,509 |
| Total risk-based capital ratio | 13.0607% | 4,401 |
| Memoranda: | ||
| Average total assets | $1,173,677,500 | 674 |
| Average earning assets | $1,122,485,500 | 646 |
| Average equity | $125,817,750 | 723 |
| Average total loans | $1,015,390,500 | 565 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1544% | 185 |
| Cost of funding earning assets | 1.2058% | 974 |
| Net interest margin | 4.9487% | 319 |
| Noninterest income to average assets | 0.6671% | 1,847 |
| Noninterest expense to average assets | 2.9633% | 2,099 |
| Loan and lease loss provision to assets | 0.4988% | 235 |
| Net operating income to assets | 1.4604% | 1,263 |
| Return on assets (ROA) | 1.4604% | 1,318 |
| Pretax return on assets | 1.9359% | 774 |
| Return on Equity (ROE) | 13.5504% | 1,087 |
| Retained earnings to average equity (ytd only) | 6.2124% | 2,185 |
| Net charge-offs to loans | 0.1816% | 907 |
| Credit loss provision to net charge-offs | 316.0793% | 865 |
| Earnings coverage of net charge-offs (x) | 15.4273% | 1,988 |
| Efficiency ratio | 54.7348% | 4,387 |
| Assets per employee ($millions) | 5.8726% | 1,639 |
| Cash dividends to net income (ytd only)* | 54.1538% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 785 |
| Loan loss allowance to noncurrent loans | 168.1346% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 1,576 |
| Noncurrent loans to loans | 1.0226% | 1,603 |
| Net loans and leases to total assets | 85.3823% | 262 |
| Net loans and leases to deposits | 100.2753% | 651 |
| Net loans and leases to core deposits | 117.5310% | 624 |
| Total domestic deposits to total assets | 85.1478% | 2,413 |
| Equity capital to assets | 10.4509% | 3,560 |
| Core capital (leverage) ratio | 10.5843% | 2,995 |
| Tier 1 risk-based capital ratio | 11.3831% | 4,745 |
| Total risk-based capital ratio | 12.6383% | 4,638 |
| Memoranda: | ||
| Average total assets | $1,150,680,330 | 687 |
| Average earning assets | $1,100,054,330 | 661 |
| Average equity | $124,011,000 | 725 |
| Average total loans | $999,753,330 | 574 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 183 |
| Cost of funding earning assets | 1.1201% | 1,122 |
| Net interest margin | 5.0008% | 281 |
| Noninterest income to average assets | 0.6775% | 1,692 |
| Noninterest expense to average assets | 2.8891% | 2,305 |
| Loan and lease loss provision to assets | 0.3470% | 345 |
| Net operating income to assets | 1.6703% | 776 |
| Return on assets (ROA) | 1.6703% | 807 |
| Pretax return on assets | 2.2155% | 433 |
| Return on Equity (ROE) | 15.2516% | 707 |
| Retained earnings to average equity (ytd only) | 10.8653% | 830 |
| Net charge-offs to loans | 0.1622% | 833 |
| Credit loss provision to net charge-offs | 246.2121% | 935 |
| Earnings coverage of net charge-offs (x) | 18.1843% | 1,630 |
| Efficiency ratio | 52.8264% | 4,632 |
| Assets per employee ($millions) | 5.4284% | 2,055 |
| Cash dividends to net income (ytd only)* | 28.7601% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 849 |
| Loan loss allowance to noncurrent loans | 147.1673% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 1,424 |
| Noncurrent loans to loans | 1.1595% | 1,437 |
| Net loans and leases to total assets | 83.0866% | 460 |
| Net loans and leases to deposits | 98.4023% | 746 |
| Net loans and leases to core deposits | 115.5845% | 659 |
| Total domestic deposits to total assets | 84.4356% | 2,875 |
| Equity capital to assets | 10.8589% | 2,989 |
| Core capital (leverage) ratio | 11.0434% | 2,536 |
| Tier 1 risk-based capital ratio | 12.1805% | 4,363 |
| Total risk-based capital ratio | 13.4355% | 4,241 |
| Memoranda: | ||
| Average total assets | $1,124,077,500 | 704 |
| Average earning assets | $1,073,103,000 | 681 |
| Average equity | $123,108,000 | 734 |
| Average total loans | $976,686,500 | 590 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4106% | 97 |
| Cost of funding earning assets | 0.9213% | 1,020 |
| Net interest margin | 5.4893% | 111 |
| Noninterest income to average assets | 0.6017% | 2,281 |
| Noninterest expense to average assets | 3.0786% | 1,854 |
| Loan and lease loss provision to assets | 0.3796% | 374 |
| Net operating income to assets | 1.8341% | 515 |
| Return on assets (ROA) | 1.8341% | 510 |
| Pretax return on assets | 2.3807% | 251 |
| Return on Equity (ROE) | 16.9590% | 500 |
| Retained earnings to average equity (ytd only) | 14.4327% | 143 |
| Net charge-offs to loans | 0.2518% | 765 |
| Credit loss provision to net charge-offs | 168.6542% | 1,651 |
| Earnings coverage of net charge-offs (x) | 12.2632% | 2,547 |
| Efficiency ratio | 52.5547% | 4,751 |
| Assets per employee ($millions) | 5.4323% | 2,024 |
| Cash dividends to net income (ytd only)* | 14.8965% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 956 |
| Loan loss allowance to noncurrent loans | 146.8512% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 1,378 |
| Noncurrent loans to loans | 1.1125% | 1,455 |
| Net loans and leases to total assets | 87.9018% | 121 |
| Net loans and leases to deposits | 104.7659% | 442 |
| Net loans and leases to core deposits | 123.7441% | 450 |
| Total domestic deposits to total assets | 83.9031% | 3,027 |
| Equity capital to assets | 11.0495% | 2,637 |
| Core capital (leverage) ratio | 11.3211% | 2,250 |
| Tier 1 risk-based capital ratio | 11.7875% | 4,576 |
| Total risk-based capital ratio | 13.0416% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,043,126,200 | 738 |
| Average earning assets | $995,221,600 | 709 |
| Average equity | $112,813,000 | 757 |
| Average total loans | $932,424,800 | 593 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3170% | 102 |
| Cost of funding earning assets | 0.8647% | 1,053 |
| Net interest margin | 5.4523% | 112 |
| Noninterest income to average assets | 0.6489% | 2,078 |
| Noninterest expense to average assets | 3.1256% | 1,698 |
| Loan and lease loss provision to assets | 0.4202% | 303 |
| Net operating income to assets | 1.7387% | 686 |
| Return on assets (ROA) | 1.7387% | 692 |
| Pretax return on assets | 2.3063% | 336 |
| Return on Equity (ROE) | 16.1700% | 672 |
| Retained earnings to average equity (ytd only) | 13.6408% | 287 |
| Net charge-offs to loans | 0.2303% | 741 |
| Credit loss provision to net charge-offs | 204.0881% | 1,358 |
| Earnings coverage of net charge-offs (x) | 13.2415% | 2,382 |
| Efficiency ratio | 53.2374% | 4,684 |
| Assets per employee ($millions) | 5.1665% | 2,254 |
| Cash dividends to net income (ytd only)* | 15.6413% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 882 |
| Loan loss allowance to noncurrent loans | 158.3810% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9670% | 1,506 |
| Noncurrent loans to loans | 1.0700% | 1,592 |
| Net loans and leases to total assets | 88.8391% | 114 |
| Net loans and leases to deposits | 105.9425% | 444 |
| Net loans and leases to core deposits | 125.4746% | 426 |
| Total domestic deposits to total assets | 83.8560% | 2,991 |
| Equity capital to assets | 11.0534% | 2,611 |
| Core capital (leverage) ratio | 11.0225% | 2,556 |
| Tier 1 risk-based capital ratio | 11.7405% | 4,638 |
| Total risk-based capital ratio | 12.9950% | 4,532 |
| Memoranda: | ||
| Average total assets | $1,029,575,500 | 746 |
| Average earning assets | $982,524,250 | 720 |
| Average equity | $110,704,000 | 768 |
| Average total loans | $920,383,000 | 595 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2287% | 106 |
| Cost of funding earning assets | 0.8006% | 1,120 |
| Net interest margin | 5.4280% | 120 |
| Noninterest income to average assets | 0.7129% | 1,824 |
| Noninterest expense to average assets | 3.1604% | 1,635 |
| Loan and lease loss provision to assets | 0.3675% | 346 |
| Net operating income to assets | 1.7897% | 590 |
| Return on assets (ROA) | 1.7897% | 593 |
| Pretax return on assets | 2.3746% | 286 |
| Return on Equity (ROE) | 16.8058% | 549 |
| Retained earnings to average equity (ytd only) | 14.1443% | 265 |
| Net charge-offs to loans | 0.2063% | 769 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 14.9234% | 2,070 |
| Efficiency ratio | 53.3713% | 4,752 |
| Assets per employee ($millions) | 5.0257% | 2,385 |
| Cash dividends to net income (ytd only)* | 15.8366% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 994 |
| Loan loss allowance to noncurrent loans | 152.9447% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 1,528 |
| Noncurrent loans to loans | 1.0783% | 1,634 |
| Net loans and leases to total assets | 89.7125% | 79 |
| Net loans and leases to deposits | 106.0148% | 434 |
| Net loans and leases to core deposits | 125.1830% | 431 |
| Total domestic deposits to total assets | 84.6226% | 2,829 |
| Equity capital to assets | 11.0141% | 2,628 |
| Core capital (leverage) ratio | 11.3077% | 2,248 |
| Tier 1 risk-based capital ratio | 11.5832% | 4,752 |
| Total risk-based capital ratio | 12.8371% | 4,626 |
| Memoranda: | ||
| Average total assets | $1,023,166,000 | 749 |
| Average earning assets | $978,216,330 | 722 |
| Average equity | $108,962,330 | 780 |
| Average total loans | $911,240,330 | 603 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0766% | 124 |
| Cost of funding earning assets | 0.7749% | 1,075 |
| Net interest margin | 5.3018% | 138 |
| Noninterest income to average assets | 1.0275% | 861 |
| Noninterest expense to average assets | 3.0903% | 1,853 |
| Loan and lease loss provision to assets | 0.3670% | 323 |
| Net operating income to assets | 1.9870% | 386 |
| Return on assets (ROA) | 1.9870% | 385 |
| Pretax return on assets | 2.6347% | 176 |
| Return on Equity (ROE) | 18.9821% | 319 |
| Retained earnings to average equity (ytd only) | 17.9565% | 157 |
| Net charge-offs to loans | 0.1225% | 1,054 |
| Credit loss provision to net charge-offs | 340.5797% | 753 |
| Earnings coverage of net charge-offs (x) | 27.8587% | 1,293 |
| Efficiency ratio | 50.5607% | 5,056 |
| Assets per employee ($millions) | 4.8285% | 2,702 |
| Cash dividends to net income (ytd only)* | 5.4028% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 962 |
| Loan loss allowance to noncurrent loans | 171.1755% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 1,816 |
| Noncurrent loans to loans | 0.9885% | 1,847 |
| Net loans and leases to total assets | 87.1879% | 182 |
| Net loans and leases to deposits | 100.6773% | 660 |
| Net loans and leases to core deposits | 118.5166% | 634 |
| Total domestic deposits to total assets | 86.6013% | 2,273 |
| Equity capital to assets | 10.9062% | 2,676 |
| Core capital (leverage) ratio | 10.7172% | 2,720 |
| Tier 1 risk-based capital ratio | 11.8541% | 4,646 |
| Total risk-based capital ratio | 13.1087% | 4,528 |
| Memoranda: | ||
| Average total assets | $1,024,636,500 | 749 |
| Average earning assets | $978,767,500 | 726 |
| Average equity | $107,259,000 | 790 |
| Average total loans | $901,552,000 | 611 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0283% | 130 |
| Cost of funding earning assets | 0.8200% | 558 |
| Net interest margin | 5.2084% | 167 |
| Noninterest income to average assets | 0.5267% | 2,842 |
| Noninterest expense to average assets | 3.0615% | 1,973 |
| Loan and lease loss provision to assets | 0.4937% | 266 |
| Net operating income to assets | 1.1329% | 1,744 |
| Return on assets (ROA) | 1.1329% | 1,774 |
| Pretax return on assets | 1.9611% | 535 |
| Return on Equity (ROE) | 11.1109% | 1,433 |
| Retained earnings to average equity (ytd only) | 7.1249% | 1,034 |
| Net charge-offs to loans | 0.5150% | 455 |
| Credit loss provision to net charge-offs | 111.2610% | 2,338 |
| Earnings coverage of net charge-offs (x) | 5.5323% | 3,311 |
| Efficiency ratio | 55.3111% | 4,832 |
| Assets per employee ($millions) | 5.0480% | 2,422 |
| Cash dividends to net income (ytd only)* | 35.8746% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,187 |
| Loan loss allowance to noncurrent loans | 169.3266% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,918 |
| Noncurrent loans to loans | 0.9326% | 1,911 |
| Net loans and leases to total assets | 85.9348% | 257 |
| Net loans and leases to deposits | 98.2293% | 883 |
| Net loans and leases to core deposits | 114.3610% | 784 |
| Total domestic deposits to total assets | 87.4839% | 1,772 |
| Equity capital to assets | 10.0469% | 3,649 |
| Core capital (leverage) ratio | 10.1896% | 3,206 |
| Tier 1 risk-based capital ratio | 11.0753% | 5,104 |
| Total risk-based capital ratio | 12.3286% | 4,987 |
| Memoranda: | ||
| Average total assets | $1,002,644,600 | 736 |
| Average earning assets | $960,530,600 | 705 |
| Average equity | $102,232,800 | 806 |
| Average total loans | $863,918,600 | 608 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0272% | 129 |
| Cost of funding earning assets | 0.8467% | 463 |
| Net interest margin | 5.1805% | 168 |
| Noninterest income to average assets | 0.5542% | 2,707 |
| Noninterest expense to average assets | 3.1363% | 1,707 |
| Loan and lease loss provision to assets | 0.5174% | 219 |
| Net operating income to assets | 1.1434% | 1,902 |
| Return on assets (ROA) | 1.1434% | 1,955 |
| Pretax return on assets | 1.8615% | 765 |
| Return on Equity (ROE) | 11.1711% | 1,619 |
| Retained earnings to average equity (ytd only) | 9.4970% | 708 |
| Net charge-offs to loans | 0.5461% | 370 |
| Credit loss provision to net charge-offs | 110.3468% | 2,139 |
| Earnings coverage of net charge-offs (x) | 5.0734% | 3,154 |
| Efficiency ratio | 56.6757% | 4,652 |
| Assets per employee ($millions) | 4.9293% | 2,536 |
| Cash dividends to net income (ytd only)* | 14.9859% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,171 |
| Loan loss allowance to noncurrent loans | 157.8493% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8859% | 1,941 |
| Noncurrent loans to loans | 1.0337% | 1,873 |
| Net loans and leases to total assets | 84.3000% | 405 |
| Net loans and leases to deposits | 95.8552% | 1,125 |
| Net loans and leases to core deposits | 110.2091% | 1,013 |
| Total domestic deposits to total assets | 87.9451% | 1,394 |
| Equity capital to assets | 10.3264% | 3,569 |
| Core capital (leverage) ratio | 10.2487% | 3,258 |
| Tier 1 risk-based capital ratio | 11.5442% | 4,935 |
| Total risk-based capital ratio | 12.7979% | 4,815 |
| Memoranda: | ||
| Average total assets | $992,070,500 | 750 |
| Average earning assets | $950,025,750 | 716 |
| Average equity | $101,545,000 | 808 |
| Average total loans | $851,804,250 | 616 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9664% | 129 |
| Cost of funding earning assets | 0.8368% | 432 |
| Net interest margin | 5.1296% | 178 |
| Noninterest income to average assets | 0.5335% | 2,806 |
| Noninterest expense to average assets | 3.1625% | 1,678 |
| Loan and lease loss provision to assets | 0.4885% | 241 |
| Net operating income to assets | 1.1040% | 1,951 |
| Return on assets (ROA) | 1.1040% | 2,000 |
| Pretax return on assets | 1.7968% | 845 |
| Return on Equity (ROE) | 10.8187% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.9737% | 848 |
| Net charge-offs to loans | 0.6879% | 280 |
| Credit loss provision to net charge-offs | 82.6446% | 2,229 |
| Earnings coverage of net charge-offs (x) | 3.8664% | 2,995 |
| Efficiency ratio | 57.8570% | 4,613 |
| Assets per employee ($millions) | 4.7569% | 2,705 |
| Cash dividends to net income (ytd only)* | 17.0538% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,414 |
| Loan loss allowance to noncurrent loans | 118.2235% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,524 |
| Noncurrent loans to loans | 1.3074% | 1,474 |
| Net loans and leases to total assets | 85.4608% | 311 |
| Net loans and leases to deposits | 96.7822% | 999 |
| Net loans and leases to core deposits | 109.9441% | 1,007 |
| Total domestic deposits to total assets | 88.3021% | 1,304 |
| Equity capital to assets | 10.2757% | 3,598 |
| Core capital (leverage) ratio | 10.2600% | 3,185 |
| Tier 1 risk-based capital ratio | 11.3333% | 5,065 |
| Total risk-based capital ratio | 12.5860% | 4,948 |
| Memoranda: | ||
| Average total assets | $982,637,670 | 759 |
| Average earning assets | $941,402,000 | 726 |
| Average equity | $100,271,000 | 820 |
| Average total loans | $844,259,330 | 623 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9023% | 136 |
| Cost of funding earning assets | 0.8227% | 433 |
| Net interest margin | 5.0796% | 195 |
| Noninterest income to average assets | 0.4614% | 3,244 |
| Noninterest expense to average assets | 3.1106% | 1,838 |
| Loan and lease loss provision to assets | 0.4926% | 211 |
| Net operating income to assets | 1.0627% | 2,017 |
| Return on assets (ROA) | 1.0627% | 2,056 |
| Pretax return on assets | 1.7293% | 938 |
| Return on Equity (ROE) | 10.4520% | 1,756 |
| Retained earnings to average equity (ytd only) | 9.9474% | 817 |
| Net charge-offs to loans | 0.3319% | 553 |
| Credit loss provision to net charge-offs | 173.6614% | 1,113 |
| Earnings coverage of net charge-offs (x) | 7.8336% | 2,106 |
| Efficiency ratio | 58.1326% | 4,701 |
| Assets per employee ($millions) | 4.8202% | 2,666 |
| Cash dividends to net income (ytd only)* | 4.8281% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 1,109 |
| Loan loss allowance to noncurrent loans | 114.7223% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 1,346 |
| Noncurrent loans to loans | 1.4965% | 1,337 |
| Net loans and leases to total assets | 83.5183% | 413 |
| Net loans and leases to deposits | 94.8578% | 1,032 |
| Net loans and leases to core deposits | 108.5840% | 941 |
| Total domestic deposits to total assets | 88.0458% | 1,692 |
| Equity capital to assets | 10.1615% | 3,557 |
| Core capital (leverage) ratio | 10.4124% | 3,001 |
| Tier 1 risk-based capital ratio | 11.5091% | 5,021 |
| Total risk-based capital ratio | 12.7639% | 4,923 |
| Memoranda: | ||
| Average total assets | $974,477,000 | 773 |
| Average earning assets | $934,490,500 | 738 |
| Average equity | $99,081,500 | 832 |
| Average total loans | $832,828,500 | 631 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3896% | 76 |
| Cost of funding earning assets | 0.8407% | 407 |
| Net interest margin | 5.5489% | 101 |
| Noninterest income to average assets | 0.7759% | 1,850 |
| Noninterest expense to average assets | 3.2671% | 1,648 |
| Loan and lease loss provision to assets | 0.4700% | 298 |
| Net operating income to assets | 1.4782% | 873 |
| Return on assets (ROA) | 1.4804% | 886 |
| Pretax return on assets | 2.3594% | 249 |
| Return on Equity (ROE) | 13.8358% | 802 |
| Retained earnings to average equity (ytd only) | 9.2313% | 535 |
| Net charge-offs to loans | 0.4054% | 654 |
| Credit loss provision to net charge-offs | 131.7460% | 2,046 |
| Earnings coverage of net charge-offs (x) | 7.9216% | 2,950 |
| Efficiency ratio | 53.5037% | 5,283 |
| Assets per employee ($millions) | 4.7330% | 2,737 |
| Cash dividends to net income (ytd only)* | 33.2798% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 1,178 |
| Loan loss allowance to noncurrent loans | 126.0606% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 1,601 |
| Noncurrent loans to loans | 1.3357% | 1,538 |
| Net loans and leases to total assets | 84.5175% | 337 |
| Net loans and leases to deposits | 96.0012% | 994 |
| Net loans and leases to core deposits | 109.6799% | 922 |
| Total domestic deposits to total assets | 88.0380% | 1,611 |
| Equity capital to assets | 10.1740% | 3,515 |
| Core capital (leverage) ratio | 10.3377% | 3,061 |
| Tier 1 risk-based capital ratio | 11.4442% | 5,090 |
| Total risk-based capital ratio | 12.6987% | 4,987 |
| Memoranda: | ||
| Average total assets | $882,962,600 | 823 |
| Average earning assets | $846,090,600 | 777 |
| Average equity | $94,472,000 | 850 |
| Average total loans | $777,010,400 | 646 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4706% | 71 |
| Cost of funding earning assets | 0.8274% | 432 |
| Net interest margin | 5.6432% | 94 |
| Noninterest income to average assets | 0.8815% | 1,467 |
| Noninterest expense to average assets | 3.2956% | 1,574 |
| Loan and lease loss provision to assets | 0.5095% | 240 |
| Net operating income to assets | 1.5297% | 826 |
| Return on assets (ROA) | 1.5326% | 871 |
| Pretax return on assets | 2.4813% | 227 |
| Return on Equity (ROE) | 14.1314% | 795 |
| Retained earnings to average equity (ytd only) | 12.0315% | 299 |
| Net charge-offs to loans | 0.2884% | 792 |
| Credit loss provision to net charge-offs | 199.5163% | 1,447 |
| Earnings coverage of net charge-offs (x) | 11.6929% | 2,460 |
| Efficiency ratio | 52.3449% | 5,365 |
| Assets per employee ($millions) | 4.5014% | 3,083 |
| Cash dividends to net income (ytd only)* | 14.8600% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 997 |
| Loan loss allowance to noncurrent loans | 125.7713% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 1,533 |
| Noncurrent loans to loans | 1.4403% | 1,504 |
| Net loans and leases to total assets | 86.3220% | 232 |
| Net loans and leases to deposits | 99.0042% | 776 |
| Net loans and leases to core deposits | 113.8091% | 730 |
| Total domestic deposits to total assets | 87.1903% | 1,809 |
| Equity capital to assets | 10.7506% | 3,310 |
| Core capital (leverage) ratio | 11.0414% | 2,406 |
| Tier 1 risk-based capital ratio | 11.7503% | 4,949 |
| Total risk-based capital ratio | 13.0064% | 4,845 |
| Memoranda: | ||
| Average total assets | $863,501,250 | 839 |
| Average earning assets | $826,348,000 | 801 |
| Average equity | $93,651,750 | 855 |
| Average total loans | $764,773,500 | 652 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4856% | 77 |
| Cost of funding earning assets | 0.8125% | 458 |
| Net interest margin | 5.6731% | 93 |
| Noninterest income to average assets | 1.0648% | 987 |
| Noninterest expense to average assets | 3.3521% | 1,479 |
| Loan and lease loss provision to assets | 0.5314% | 235 |
| Net operating income to assets | 1.6085% | 708 |
| Return on assets (ROA) | 1.6106% | 751 |
| Pretax return on assets | 2.6074% | 189 |
| Return on Equity (ROE) | 14.8041% | 697 |
| Retained earnings to average equity (ytd only) | 11.8189% | 353 |
| Net charge-offs to loans | 0.2894% | 826 |
| Credit loss provision to net charge-offs | 206.8015% | 1,268 |
| Earnings coverage of net charge-offs (x) | 12.2013% | 2,198 |
| Efficiency ratio | 51.5273% | 5,471 |
| Assets per employee ($millions) | 4.2812% | 3,401 |
| Cash dividends to net income (ytd only)* | 20.1642% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 1,061 |
| Loan loss allowance to noncurrent loans | 240.7015% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 2,934 |
| Noncurrent loans to loans | 0.7534% | 2,860 |
| Net loans and leases to total assets | 88.9666% | 100 |
| Net loans and leases to deposits | 102.0647% | 559 |
| Net loans and leases to core deposits | 114.1952% | 718 |
| Total domestic deposits to total assets | 87.1668% | 1,829 |
| Equity capital to assets | 11.1266% | 2,917 |
| Core capital (leverage) ratio | 10.8917% | 2,539 |
| Tier 1 risk-based capital ratio | 11.8187% | 4,960 |
| Total risk-based capital ratio | 13.0748% | 4,836 |
| Memoranda: | ||
| Average total assets | $846,741,000 | 857 |
| Average earning assets | $809,395,000 | 820 |
| Average equity | $92,123,330 | 866 |
| Average total loans | $751,915,330 | 663 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3884% | 82 |
| Cost of funding earning assets | 0.7982% | 494 |
| Net interest margin | 5.5901% | 99 |
| Noninterest income to average assets | 0.7297% | 1,907 |
| Noninterest expense to average assets | 3.3962% | 1,387 |
| Loan and lease loss provision to assets | 0.5107% | 239 |
| Net operating income to assets | 1.3516% | 1,131 |
| Return on assets (ROA) | 1.3558% | 1,192 |
| Pretax return on assets | 2.1924% | 384 |
| Return on Equity (ROE) | 12.6074% | 1,126 |
| Retained earnings to average equity (ytd only) | 6.8647% | 1,955 |
| Net charge-offs to loans | 0.2384% | 857 |
| Credit loss provision to net charge-offs | 243.7642% | 959 |
| Earnings coverage of net charge-offs (x) | 12.8707% | 1,766 |
| Efficiency ratio | 55.5945% | 5,228 |
| Assets per employee ($millions) | 4.4607% | 3,143 |
| Cash dividends to net income (ytd only)* | 45.5501% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 1,072 |
| Loan loss allowance to noncurrent loans | 224.6350% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 2,934 |
| Noncurrent loans to loans | 0.8193% | 2,791 |
| Net loans and leases to total assets | 84.7717% | 309 |
| Net loans and leases to deposits | 97.3206% | 814 |
| Net loans and leases to core deposits | 108.6627% | 936 |
| Total domestic deposits to total assets | 87.1056% | 2,154 |
| Equity capital to assets | 10.7218% | 3,229 |
| Core capital (leverage) ratio | 10.8318% | 2,591 |
| Tier 1 risk-based capital ratio | 11.8138% | 5,041 |
| Total risk-based capital ratio | 13.0700% | 4,937 |
| Memoranda: | ||
| Average total assets | $841,995,000 | 867 |
| Average earning assets | $807,778,500 | 823 |
| Average equity | $90,550,000 | 882 |
| Average total loans | $739,958,000 | 672 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3765% | 85 |
| Cost of funding earning assets | 0.8087% | 471 |
| Net interest margin | 5.5678% | 108 |
| Noninterest income to average assets | 0.6870% | 2,264 |
| Noninterest expense to average assets | 3.3005% | 1,719 |
| Loan and lease loss provision to assets | 0.3692% | 385 |
| Net operating income to assets | 1.4551% | 940 |
| Return on assets (ROA) | 1.4557% | 966 |
| Pretax return on assets | 2.3532% | 272 |
| Return on Equity (ROE) | 13.9910% | 841 |
| Retained earnings to average equity (ytd only) | 11.3268% | 305 |
| Net charge-offs to loans | 0.2658% | 1,136 |
| Credit loss provision to net charge-offs | 154.6281% | 1,728 |
| Earnings coverage of net charge-offs (x) | 11.3986% | 2,582 |
| Efficiency ratio | 54.6870% | 5,473 |
| Assets per employee ($millions) | 4.3789% | 3,254 |
| Cash dividends to net income (ytd only)* | 19.0418% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 1,276 |
| Loan loss allowance to noncurrent loans | 226.3592% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 2,986 |
| Noncurrent loans to loans | 0.7663% | 2,878 |
| Net loans and leases to total assets | 87.8872% | 129 |
| Net loans and leases to deposits | 100.2960% | 652 |
| Net loans and leases to core deposits | 110.3165% | 835 |
| Total domestic deposits to total assets | 87.6279% | 1,833 |
| Equity capital to assets | 10.7874% | 3,043 |
| Core capital (leverage) ratio | 10.8466% | 2,564 |
| Tier 1 risk-based capital ratio | 11.4768% | 5,269 |
| Total risk-based capital ratio | 12.7318% | 5,171 |
| Memoranda: | ||
| Average total assets | $782,832,400 | 883 |
| Average earning assets | $750,082,200 | 851 |
| Average equity | $81,452,600 | 931 |
| Average total loans | $703,092,800 | 659 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3817% | 88 |
| Cost of funding earning assets | 0.8112% | 464 |
| Net interest margin | 5.5705% | 110 |
| Noninterest income to average assets | 0.6503% | 2,481 |
| Noninterest expense to average assets | 3.2842% | 1,726 |
| Loan and lease loss provision to assets | 0.2838% | 551 |
| Net operating income to assets | 1.4644% | 981 |
| Return on assets (ROA) | 1.4644% | 1,022 |
| Pretax return on assets | 2.4223% | 270 |
| Return on Equity (ROE) | 14.2152% | 859 |
| Retained earnings to average equity (ytd only) | 11.9140% | 376 |
| Net charge-offs to loans | 0.2536% | 1,037 |
| Credit loss provision to net charge-offs | 124.4310% | 1,932 |
| Earnings coverage of net charge-offs (x) | 11.8657% | 2,452 |
| Efficiency ratio | 54.7156% | 5,460 |
| Assets per employee ($millions) | 4.0521% | 3,800 |
| Cash dividends to net income (ytd only)* | 16.1881% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 1,494 |
| Loan loss allowance to noncurrent loans | 262.5941% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,508 |
| Noncurrent loans to loans | 0.6440% | 3,388 |
| Net loans and leases to total assets | 90.2704% | 57 |
| Net loans and leases to deposits | 104.8291% | 414 |
| Net loans and leases to core deposits | 115.3292% | 623 |
| Total domestic deposits to total assets | 86.1120% | 2,473 |
| Equity capital to assets | 10.7731% | 3,271 |
| Core capital (leverage) ratio | 10.5733% | 2,956 |
| Tier 1 risk-based capital ratio | 11.1273% | 5,592 |
| Total risk-based capital ratio | 12.3817% | 5,476 |
| Memoranda: | ||
| Average total assets | $770,540,750 | 901 |
| Average earning assets | $738,654,500 | 866 |
| Average equity | $79,378,000 | 964 |
| Average total loans | $692,834,000 | 667 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3200% | 92 |
| Cost of funding earning assets | 0.8103% | 469 |
| Net interest margin | 5.5097% | 120 |
| Noninterest income to average assets | 0.6334% | 2,559 |
| Noninterest expense to average assets | 3.2602% | 1,818 |
| Loan and lease loss provision to assets | 0.3084% | 485 |
| Net operating income to assets | 1.4271% | 1,039 |
| Return on assets (ROA) | 1.4271% | 1,076 |
| Pretax return on assets | 2.3459% | 316 |
| Return on Equity (ROE) | 14.0734% | 885 |
| Retained earnings to average equity (ytd only) | 10.5428% | 574 |
| Net charge-offs to loans | 0.1575% | 1,533 |
| Credit loss provision to net charge-offs | 219.3309% | 1,142 |
| Earnings coverage of net charge-offs (x) | 18.8792% | 1,782 |
| Efficiency ratio | 55.0303% | 5,506 |
| Assets per employee ($millions) | 3.9829% | 3,920 |
| Cash dividends to net income (ytd only)* | 25.0870% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 1,406 |
| Loan loss allowance to noncurrent loans | 214.5940% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 3,107 |
| Noncurrent loans to loans | 0.8303% | 3,047 |
| Net loans and leases to total assets | 89.8344% | 71 |
| Net loans and leases to deposits | 102.4862% | 525 |
| Net loans and leases to core deposits | 111.9287% | 750 |
| Total domestic deposits to total assets | 87.6551% | 1,814 |
| Equity capital to assets | 10.6148% | 3,307 |
| Core capital (leverage) ratio | 10.4121% | 3,072 |
| Tier 1 risk-based capital ratio | 11.3393% | 5,551 |
| Total risk-based capital ratio | 12.5954% | 5,474 |
| Memoranda: | ||
| Average total assets | $765,348,670 | 912 |
| Average earning assets | $733,579,000 | 878 |
| Average equity | $77,607,670 | 985 |
| Average total loans | $683,165,670 | 677 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2645% | 98 |
| Cost of funding earning assets | 0.8114% | 471 |
| Net interest margin | 5.4531% | 128 |
| Noninterest income to average assets | 0.6301% | 2,498 |
| Noninterest expense to average assets | 3.2029% | 1,975 |
| Loan and lease loss provision to assets | 0.3614% | 350 |
| Net operating income to assets | 1.4273% | 987 |
| Return on assets (ROA) | 1.4273% | 1,040 |
| Pretax return on assets | 2.2895% | 331 |
| Return on Equity (ROE) | 14.4153% | 805 |
| Retained earnings to average equity (ytd only) | 11.7703% | 600 |
| Net charge-offs to loans | 0.0921% | 1,799 |
| Credit loss provision to net charge-offs | 445.1613% | 602 |
| Earnings coverage of net charge-offs (x) | 32.6516% | 1,095 |
| Efficiency ratio | 54.6170% | 5,628 |
| Assets per employee ($millions) | 4.1697% | 3,615 |
| Cash dividends to net income (ytd only)* | 18.3486% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 1,423 |
| Loan loss allowance to noncurrent loans | 236.0509% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 3,444 |
| Noncurrent loans to loans | 0.7768% | 3,311 |
| Net loans and leases to total assets | 86.2058% | 176 |
| Net loans and leases to deposits | 97.5732% | 711 |
| Net loans and leases to core deposits | 106.4132% | 912 |
| Total domestic deposits to total assets | 88.3498% | 1,633 |
| Equity capital to assets | 9.9562% | 4,198 |
| Core capital (leverage) ratio | 9.9265% | 3,705 |
| Tier 1 risk-based capital ratio | 10.9192% | 5,840 |
| Total risk-based capital ratio | 12.1746% | 5,767 |
| Memoranda: | ||
| Average total assets | $763,676,500 | 913 |
| Average earning assets | $731,549,000 | 883 |
| Average equity | $75,614,000 | 1,014 |
| Average total loans | $673,209,000 | 691 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3571% | 100 |
| Cost of funding earning assets | 0.8631% | 474 |
| Net interest margin | 5.4940% | 135 |
| Noninterest income to average assets | 0.7034% | 2,289 |
| Noninterest expense to average assets | 3.2031% | 2,208 |
| Loan and lease loss provision to assets | 0.3116% | 653 |
| Net operating income to assets | 1.5157% | 852 |
| Return on assets (ROA) | 1.5162% | 883 |
| Pretax return on assets | 2.4464% | 211 |
| Return on Equity (ROE) | 15.5129% | 698 |
| Retained earnings to average equity (ytd only) | 11.1784% | 361 |
| Net charge-offs to loans | 0.1942% | 2,111 |
| Credit loss provision to net charge-offs | 184.5140% | 1,323 |
| Earnings coverage of net charge-offs (x) | 16.3254% | 2,016 |
| Efficiency ratio | 53.6390% | 5,871 |
| Assets per employee ($millions) | 4.1766% | 3,584 |
| Cash dividends to net income (ytd only)* | 27.9409% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 1,581 |
| Loan loss allowance to noncurrent loans | 403.3254% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,523 |
| Noncurrent loans to loans | 0.4405% | 4,320 |
| Net loans and leases to total assets | 86.9260% | 157 |
| Net loans and leases to deposits | 98.2592% | 739 |
| Net loans and leases to core deposits | 108.3003% | 872 |
| Total domestic deposits to total assets | 88.4660% | 1,538 |
| Equity capital to assets | 9.8453% | 4,294 |
| Core capital (leverage) ratio | 10.0254% | 3,540 |
| Tier 1 risk-based capital ratio | 11.1489% | 5,845 |
| Total risk-based capital ratio | 12.4056% | 5,778 |
| Memoranda: | ||
| Average total assets | $718,779,600 | 934 |
| Average earning assets | $687,764,000 | 896 |
| Average equity | $70,251,400 | 1,045 |
| Average total loans | $624,994,800 | 701 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3313% | 105 |
| Cost of funding earning assets | 0.8697% | 490 |
| Net interest margin | 5.4616% | 143 |
| Noninterest income to average assets | 0.7874% | 1,939 |
| Noninterest expense to average assets | 3.2216% | 2,117 |
| Loan and lease loss provision to assets | 0.2800% | 732 |
| Net operating income to assets | 1.5554% | 831 |
| Return on assets (ROA) | 1.5560% | 866 |
| Pretax return on assets | 2.5126% | 205 |
| Return on Equity (ROE) | 15.9516% | 680 |
| Retained earnings to average equity (ytd only) | 12.0311% | 416 |
| Net charge-offs to loans | 0.2282% | 1,677 |
| Credit loss provision to net charge-offs | 141.7697% | 1,664 |
| Earnings coverage of net charge-offs (x) | 14.1341% | 2,161 |
| Efficiency ratio | 53.4752% | 5,879 |
| Assets per employee ($millions) | 4.2795% | 3,334 |
| Cash dividends to net income (ytd only)* | 24.5773% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 1,732 |
| Loan loss allowance to noncurrent loans | 343.0176% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 4,544 |
| Noncurrent loans to loans | 0.5193% | 4,381 |
| Net loans and leases to total assets | 85.6371% | 214 |
| Net loans and leases to deposits | 96.9551% | 798 |
| Net loans and leases to core deposits | 107.4229% | 875 |
| Total domestic deposits to total assets | 88.3266% | 1,591 |
| Equity capital to assets | 10.0123% | 4,151 |
| Core capital (leverage) ratio | 10.0399% | 3,620 |
| Tier 1 risk-based capital ratio | 11.6297% | 5,716 |
| Total risk-based capital ratio | 12.8866% | 5,631 |
| Memoranda: | ||
| Average total assets | $709,485,250 | 954 |
| Average earning assets | $678,853,500 | 913 |
| Average equity | $69,207,750 | 1,067 |
| Average total loans | $613,991,250 | 711 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2792% | 108 |
| Cost of funding earning assets | 0.8760% | 490 |
| Net interest margin | 5.4033% | 151 |
| Noninterest income to average assets | 0.7005% | 2,278 |
| Noninterest expense to average assets | 3.2175% | 2,138 |
| Loan and lease loss provision to assets | 0.3525% | 510 |
| Net operating income to assets | 1.4249% | 1,011 |
| Return on assets (ROA) | 1.4258% | 1,048 |
| Pretax return on assets | 2.2966% | 307 |
| Return on Equity (ROE) | 14.7507% | 833 |
| Retained earnings to average equity (ytd only) | 9.4269% | 853 |
| Net charge-offs to loans | 0.1752% | 1,989 |
| Credit loss provision to net charge-offs | 233.0827% | 1,039 |
| Earnings coverage of net charge-offs (x) | 17.5056% | 1,729 |
| Efficiency ratio | 54.7552% | 5,849 |
| Assets per employee ($millions) | 4.2041% | 3,449 |
| Cash dividends to net income (ytd only)* | 36.0917% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,704 |
| Loan loss allowance to noncurrent loans | 491.2102% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 5,049 |
| Noncurrent loans to loans | 0.3765% | 4,863 |
| Net loans and leases to total assets | 86.4013% | 159 |
| Net loans and leases to deposits | 97.4250% | 705 |
| Net loans and leases to core deposits | 107.5173% | 790 |
| Total domestic deposits to total assets | 88.6850% | 1,549 |
| Equity capital to assets | 9.8266% | 4,315 |
| Core capital (leverage) ratio | 9.6350% | 4,129 |
| Tier 1 risk-based capital ratio | 11.3183% | 5,896 |
| Total risk-based capital ratio | 12.5760% | 5,838 |
| Memoranda: | ||
| Average total assets | $703,475,330 | 959 |
| Average earning assets | $672,408,000 | 919 |
| Average equity | $67,996,670 | 1,078 |
| Average total loans | $607,214,330 | 714 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0901% | 128 |
| Cost of funding earning assets | 0.8676% | 534 |
| Net interest margin | 5.2224% | 177 |
| Noninterest income to average assets | 0.5080% | 3,345 |
| Noninterest expense to average assets | 3.0956% | 2,548 |
| Loan and lease loss provision to assets | 0.3657% | 472 |
| Net operating income to assets | 1.2759% | 1,280 |
| Return on assets (ROA) | 1.2778% | 1,323 |
| Pretax return on assets | 2.0509% | 474 |
| Return on Equity (ROE) | 13.3320% | 1,077 |
| Retained earnings to average equity (ytd only) | 7.4590% | 1,838 |
| Net charge-offs to loans | 0.1284% | 1,946 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,271 |
| Efficiency ratio | 56.0730% | 5,833 |
| Assets per employee ($millions) | 4.1345% | 3,652 |
| Cash dividends to net income (ytd only)* | 44.0519% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 1,876 |
| Loan loss allowance to noncurrent loans | 599.2581% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 5,383 |
| Noncurrent loans to loans | 0.3101% | 5,177 |
| Net loans and leases to total assets | 83.9889% | 236 |
| Net loans and leases to deposits | 94.2147% | 769 |
| Net loans and leases to core deposits | 103.4465% | 893 |
| Total domestic deposits to total assets | 89.1463% | 1,559 |
| Equity capital to assets | 9.5282% | 4,463 |
| Core capital (leverage) ratio | 9.6449% | 4,071 |
| Tier 1 risk-based capital ratio | 11.2620% | 6,035 |
| Total risk-based capital ratio | 12.5199% | 5,983 |
| Memoranda: | ||
| Average total assets | $699,969,000 | 973 |
| Average earning assets | $670,339,000 | 927 |
| Average equity | $67,086,500 | 1,090 |
| Average total loans | $598,102,000 | 725 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3809% | 104 |
| Cost of funding earning assets | 0.9435% | 595 |
| Net interest margin | 5.4374% | 147 |
| Noninterest income to average assets | 0.9471% | 1,530 |
| Noninterest expense to average assets | 3.1966% | 2,429 |
| Loan and lease loss provision to assets | 0.6110% | 404 |
| Net operating income to assets | 1.5093% | 805 |
| Return on assets (ROA) | 1.5093% | 844 |
| Pretax return on assets | 2.3206% | 258 |
| Return on Equity (ROE) | 15.0123% | 765 |
| Retained earnings to average equity (ytd only) | 10.6073% | 478 |
| Net charge-offs to loans | 0.1794% | 3,028 |
| Credit loss provision to net charge-offs | 394.6114% | 580 |
| Earnings coverage of net charge-offs (x) | 18.9326% | 1,631 |
| Efficiency ratio | 52.0489% | 6,291 |
| Assets per employee ($millions) | 4.1000% | 3,652 |
| Cash dividends to net income (ytd only)* | 29.3430% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 1,924 |
| Loan loss allowance to noncurrent loans | 443.8087% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 5,191 |
| Noncurrent loans to loans | 0.4164% | 4,961 |
| Net loans and leases to total assets | 83.7339% | 272 |
| Net loans and leases to deposits | 94.0789% | 871 |
| Net loans and leases to core deposits | 103.2983% | 952 |
| Total domestic deposits to total assets | 89.0039% | 1,622 |
| Equity capital to assets | 9.6421% | 4,230 |
| Core capital (leverage) ratio | 9.8252% | 3,812 |
| Tier 1 risk-based capital ratio | 11.3904% | 5,969 |
| Total risk-based capital ratio | 12.6480% | 5,901 |
| Memoranda: | ||
| Average total assets | $623,195,400 | 1,068 |
| Average earning assets | $593,832,200 | 1,031 |
| Average equity | $62,655,200 | 1,149 |
| Average total loans | $537,758,400 | 781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4012% | 103 |
| Cost of funding earning assets | 0.9605% | 605 |
| Net interest margin | 5.4408% | 147 |
| Noninterest income to average assets | 1.0422% | 1,339 |
| Noninterest expense to average assets | 3.1371% | 2,541 |
| Loan and lease loss provision to assets | 0.7554% | 278 |
| Net operating income to assets | 1.4678% | 952 |
| Return on assets (ROA) | 1.4678% | 1,002 |
| Pretax return on assets | 2.3276% | 305 |
| Return on Equity (ROE) | 14.4315% | 903 |
| Retained earnings to average equity (ytd only) | 9.5490% | 892 |
| Net charge-offs to loans | 0.2071% | 2,582 |
| Credit loss provision to net charge-offs | 421.3235% | 632 |
| Earnings coverage of net charge-offs (x) | 17.1949% | 1,746 |
| Efficiency ratio | 50.3215% | 6,379 |
| Assets per employee ($millions) | 3.8474% | 4,135 |
| Cash dividends to net income (ytd only)* | 33.8324% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 2,085 |
| Loan loss allowance to noncurrent loans | 316.2604% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 4,877 |
| Noncurrent loans to loans | 0.5915% | 4,720 |
| Net loans and leases to total assets | 86.3424% | 138 |
| Net loans and leases to deposits | 97.4467% | 596 |
| Net loans and leases to core deposits | 107.2904% | 695 |
| Total domestic deposits to total assets | 88.6048% | 1,781 |
| Equity capital to assets | 9.9446% | 3,978 |
| Core capital (leverage) ratio | 10.3783% | 3,133 |
| Tier 1 risk-based capital ratio | 11.2900% | 6,154 |
| Total risk-based capital ratio | 12.5478% | 6,113 |
| Memoranda: | ||
| Average total assets | $606,793,000 | 1,106 |
| Average earning assets | $577,478,000 | 1,065 |
| Average equity | $61,715,250 | 1,173 |
| Average total loans | $525,292,250 | 809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3899% | 105 |
| Cost of funding earning assets | 0.9730% | 629 |
| Net interest margin | 5.4170% | 154 |
| Noninterest income to average assets | 0.7854% | 2,261 |
| Noninterest expense to average assets | 3.1122% | 2,628 |
| Loan and lease loss provision to assets | 0.5812% | 442 |
| Net operating income to assets | 1.4100% | 1,058 |
| Return on assets (ROA) | 1.4100% | 1,143 |
| Pretax return on assets | 2.2355% | 393 |
| Return on Equity (ROE) | 13.7526% | 1,061 |
| Retained earnings to average equity (ytd only) | 6.3259% | 2,246 |
| Net charge-offs to loans | 0.2545% | 2,197 |
| Credit loss provision to net charge-offs | 265.3846% | 951 |
| Earnings coverage of net charge-offs (x) | 12.8615% | 1,947 |
| Efficiency ratio | 52.3726% | 6,261 |
| Assets per employee ($millions) | 4.0249% | 3,737 |
| Cash dividends to net income (ytd only)* | 54.0024% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 2,875 |
| Loan loss allowance to noncurrent loans | 625.3095% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 5,782 |
| Noncurrent loans to loans | 0.2679% | 5,641 |
| Net loans and leases to total assets | 86.0868% | 151 |
| Net loans and leases to deposits | 96.9390% | 610 |
| Net loans and leases to core deposits | 106.8870% | 697 |
| Total domestic deposits to total assets | 88.8051% | 1,729 |
| Equity capital to assets | 9.9375% | 3,988 |
| Core capital (leverage) ratio | 10.2106% | 3,215 |
| Tier 1 risk-based capital ratio | 11.5326% | 6,091 |
| Total risk-based capital ratio | 12.7882% | 6,054 |
| Memoranda: | ||
| Average total assets | $593,604,330 | 1,131 |
| Average earning assets | $563,637,670 | 1,083 |
| Average equity | $60,861,000 | 1,197 |
| Average total loans | $510,816,000 | 829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3096% | 112 |
| Cost of funding earning assets | 0.9826% | 675 |
| Net interest margin | 5.3270% | 163 |
| Noninterest income to average assets | 0.2522% | 5,655 |
| Noninterest expense to average assets | 3.0230% | 2,910 |
| Loan and lease loss provision to assets | 0.5947% | 427 |
| Net operating income to assets | 1.0715% | 1,963 |
| Return on assets (ROA) | 1.0715% | 2,072 |
| Pretax return on assets | 1.6965% | 1,086 |
| Return on Equity (ROE) | 10.2821% | 1,961 |
| Retained earnings to average equity (ytd only) | 4.5294% | 3,518 |
| Net charge-offs to loans | 0.2498% | 1,960 |
| Credit loss provision to net charge-offs | 279.2880% | 847 |
| Earnings coverage of net charge-offs (x) | 10.7605% | 1,714 |
| Efficiency ratio | 56.7427% | 5,994 |
| Assets per employee ($millions) | 4.0318% | 3,879 |
| Cash dividends to net income (ytd only)* | 55.9486% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 2,912 |
| Loan loss allowance to noncurrent loans | 635.3595% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 5,878 |
| Noncurrent loans to loans | 0.2712% | 5,727 |
| Net loans and leases to total assets | 83.6260% | 204 |
| Net loans and leases to deposits | 94.7144% | 623 |
| Net loans and leases to core deposits | 104.9895% | 679 |
| Total domestic deposits to total assets | 88.2928% | 2,134 |
| Equity capital to assets | 10.4051% | 3,662 |
| Core capital (leverage) ratio | 10.3836% | 2,927 |
| Tier 1 risk-based capital ratio | 12.2931% | 5,723 |
| Total risk-based capital ratio | 13.5491% | 5,672 |
| Memoranda: | ||
| Average total assets | $580,488,500 | 1,164 |
| Average earning assets | $551,607,500 | 1,115 |
| Average equity | $60,493,500 | 1,215 |
| Average total loans | $494,879,500 | 856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6474% | 110 |
| Cost of funding earning assets | 1.1118% | 866 |
| Net interest margin | 5.5356% | 161 |
| Noninterest income to average assets | 0.4323% | 4,369 |
| Noninterest expense to average assets | 3.1719% | 2,706 |
| Loan and lease loss provision to assets | 0.3270% | 2,080 |
| Net operating income to assets | 1.3884% | 1,120 |
| Return on assets (ROA) | 1.3888% | 1,232 |
| Pretax return on assets | 2.1905% | 417 |
| Return on Equity (ROE) | 12.7393% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.5969% | 1,283 |
| Net charge-offs to loans | 0.1563% | 4,140 |
| Credit loss provision to net charge-offs | 248.5673% | 988 |
| Earnings coverage of net charge-offs (x) | 19.1332% | 1,405 |
| Efficiency ratio | 55.6465% | 6,096 |
| Assets per employee ($millions) | 4.0025% | 3,942 |
| Cash dividends to net income (ytd only)* | 40.3664% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,188 |
| Loan loss allowance to noncurrent loans | 566.9731% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 5,934 |
| Noncurrent loans to loans | 0.2872% | 5,761 |
| Net loans and leases to total assets | 84.0238% | 213 |
| Net loans and leases to deposits | 95.0667% | 675 |
| Net loans and leases to core deposits | 105.3185% | 721 |
| Total domestic deposits to total assets | 88.3840% | 1,974 |
| Equity capital to assets | 10.4374% | 3,606 |
| Core capital (leverage) ratio | 10.6448% | 2,606 |
| Tier 1 risk-based capital ratio | 12.3614% | 5,567 |
| Total risk-based capital ratio | 13.6164% | 5,512 |
| Memoranda: | ||
| Average total assets | $530,655,400 | 1,257 |
| Average earning assets | $503,881,000 | 1,203 |
| Average equity | $57,852,600 | 1,225 |
| Average total loans | $446,644,600 | 928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7174% | 105 |
| Cost of funding earning assets | 1.1212% | 977 |
| Net interest margin | 5.5962% | 154 |
| Noninterest income to average assets | 0.5372% | 3,693 |
| Noninterest expense to average assets | 3.1412% | 2,753 |
| Loan and lease loss provision to assets | 0.2170% | 2,893 |
| Net operating income to assets | 1.5822% | 885 |
| Return on assets (ROA) | 1.5828% | 984 |
| Pretax return on assets | 2.4952% | 293 |
| Return on Equity (ROE) | 14.3487% | 1,037 |
| Retained earnings to average equity (ytd only) | 8.7620% | 1,319 |
| Net charge-offs to loans | 0.1259% | 4,118 |
| Credit loss provision to net charge-offs | 205.5961% | 1,348 |
| Earnings coverage of net charge-offs (x) | 25.6884% | 1,236 |
| Efficiency ratio | 53.5738% | 6,296 |
| Assets per employee ($millions) | 3.8306% | 4,235 |
| Cash dividends to net income (ytd only)* | 38.9358% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 3,418 |
| Loan loss allowance to noncurrent loans | 486.8024% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 5,442 |
| Noncurrent loans to loans | 0.3346% | 5,804 |
| Net loans and leases to total assets | 82.3217% | 319 |
| Net loans and leases to deposits | 93.7476% | 807 |
| Net loans and leases to core deposits | 104.3445% | 852 |
| Total domestic deposits to total assets | 87.8121% | 2,166 |
| Equity capital to assets | 10.9505% | 3,329 |
| Core capital (leverage) ratio | 10.9368% | 2,454 |
| Tier 1 risk-based capital ratio | 13.0491% | 5,206 |
| Total risk-based capital ratio | 14.3038% | 5,161 |
| Memoranda: | ||
| Average total assets | $519,228,750 | 1,304 |
| Average earning assets | $493,158,000 | 1,250 |
| Average equity | $57,276,500 | 1,249 |
| Average total loans | $435,231,250 | 965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6676% | 119 |
| Cost of funding earning assets | 1.1283% | 1,101 |
| Net interest margin | 5.5393% | 171 |
| Noninterest income to average assets | 0.2881% | 5,507 |
| Noninterest expense to average assets | 3.0623% | 3,042 |
| Loan and lease loss provision to assets | 0.2388% | 2,679 |
| Net operating income to assets | 1.4190% | 1,153 |
| Return on assets (ROA) | 1.4200% | 1,282 |
| Pretax return on assets | 2.2458% | 456 |
| Return on Equity (ROE) | 12.8394% | 1,409 |
| Retained earnings to average equity (ytd only) | 5.7614% | 2,846 |
| Net charge-offs to loans | 0.1507% | 3,708 |
| Credit loss provision to net charge-offs | 188.8545% | 1,498 |
| Earnings coverage of net charge-offs (x) | 19.6409% | 1,427 |
| Efficiency ratio | 55.1313% | 6,211 |
| Assets per employee ($millions) | 4.0020% | 3,868 |
| Cash dividends to net income (ytd only)* | 55.1268% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 3,616 |
| Loan loss allowance to noncurrent loans | 415.4946% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.5473% | 5,394 |
| Noncurrent loans to loans | 0.3842% | 5,766 |
| Net loans and leases to total assets | 84.1625% | 206 |
| Net loans and leases to deposits | 95.4895% | 661 |
| Net loans and leases to core deposits | 104.6723% | 812 |
| Total domestic deposits to total assets | 88.1380% | 2,051 |
| Equity capital to assets | 10.7922% | 3,347 |
| Core capital (leverage) ratio | 10.9549% | 2,347 |
| Tier 1 risk-based capital ratio | 12.4785% | 5,579 |
| Total risk-based capital ratio | 13.7327% | 5,559 |
| Memoranda: | ||
| Average total assets | $510,988,670 | 1,324 |
| Average earning assets | $484,970,670 | 1,274 |
| Average equity | $56,513,670 | 1,257 |
| Average total loans | $428,574,330 | 984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5722% | 148 |
| Cost of funding earning assets | 1.1550% | 1,160 |
| Net interest margin | 5.4173% | 208 |
| Noninterest income to average assets | 0.2614% | 5,778 |
| Noninterest expense to average assets | 3.1130% | 2,876 |
| Loan and lease loss provision to assets | 0.2278% | 2,669 |
| Net operating income to assets | 1.3095% | 1,435 |
| Return on assets (ROA) | 1.3095% | 1,601 |
| Pretax return on assets | 2.0689% | 663 |
| Return on Equity (ROE) | 11.6898% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.4827% | 4,489 |
| Net charge-offs to loans | 0.1551% | 3,163 |
| Credit loss provision to net charge-offs | 177.0186% | 1,450 |
| Earnings coverage of net charge-offs (x) | 17.8447% | 1,291 |
| Efficiency ratio | 57.4701% | 5,978 |
| Assets per employee ($millions) | 3.8486% | 4,323 |
| Cash dividends to net income (ytd only)* | 70.2076% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 3,435 |
| Loan loss allowance to noncurrent loans | 317.9946% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 5,232 |
| Noncurrent loans to loans | 0.5275% | 5,611 |
| Net loans and leases to total assets | 81.3479% | 312 |
| Net loans and leases to deposits | 92.7428% | 748 |
| Net loans and leases to core deposits | 101.1697% | 910 |
| Total domestic deposits to total assets | 87.7135% | 2,516 |
| Equity capital to assets | 10.9985% | 2,910 |
| Core capital (leverage) ratio | 11.1559% | 2,146 |
| Tier 1 risk-based capital ratio | 13.0498% | 5,176 |
| Total risk-based capital ratio | 14.3049% | 5,140 |
| Memoranda: | ||
| Average total assets | $500,351,500 | 1,353 |
| Average earning assets | $475,515,000 | 1,309 |
| Average equity | $56,049,000 | 1,269 |
| Average total loans | $415,245,000 | 1,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7916% | 130 |
| Cost of funding earning assets | 1.3079% | 1,447 |
| Net interest margin | 5.4837% | 181 |
| Noninterest income to average assets | 0.3251% | 5,218 |
| Noninterest expense to average assets | 3.3629% | 2,330 |
| Loan and lease loss provision to assets | 0.4622% | 2,297 |
| Net operating income to assets | 1.0730% | 1,913 |
| Return on assets (ROA) | 1.0748% | 2,045 |
| Pretax return on assets | 1.6906% | 1,005 |
| Return on Equity (ROE) | 10.2876% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.5271% | 915 |
| Net charge-offs to loans | 0.5030% | 2,981 |
| Credit loss provision to net charge-offs | 112.2361% | 2,944 |
| Earnings coverage of net charge-offs (x) | 5.2209% | 2,860 |
| Efficiency ratio | 60.9172% | 5,617 |
| Assets per employee ($millions) | 3.5944% | 4,782 |
| Cash dividends to net income (ytd only)* | 17.1126% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 3,145 |
| Loan loss allowance to noncurrent loans | 160.7924% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 4,352 |
| Noncurrent loans to loans | 1.0666% | 4,573 |
| Net loans and leases to total assets | 81.8296% | 350 |
| Net loans and leases to deposits | 93.5767% | 837 |
| Net loans and leases to core deposits | 101.5994% | 1,058 |
| Total domestic deposits to total assets | 87.4466% | 2,497 |
| Equity capital to assets | 11.4150% | 2,584 |
| Core capital (leverage) ratio | 11.4820% | 1,903 |
| Tier 1 risk-based capital ratio | 13.6075% | 4,615 |
| Total risk-based capital ratio | 14.8633% | 4,579 |
| Memoranda: | ||
| Average total assets | $448,543,800 | 1,459 |
| Average earning assets | $424,331,200 | 1,421 |
| Average equity | $46,862,200 | 1,453 |
| Average total loans | $367,225,000 | 1,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8114% | 130 |
| Cost of funding earning assets | 1.3361% | 1,525 |
| Net interest margin | 5.4753% | 181 |
| Noninterest income to average assets | 0.3339% | 5,188 |
| Noninterest expense to average assets | 3.3756% | 2,261 |
| Loan and lease loss provision to assets | 0.5379% | 1,832 |
| Net operating income to assets | 1.0193% | 2,254 |
| Return on assets (ROA) | 1.0214% | 2,407 |
| Pretax return on assets | 1.6052% | 1,374 |
| Return on Equity (ROE) | 10.0354% | 2,185 |
| Retained earnings to average equity (ytd only) | 7.5706% | 1,678 |
| Net charge-offs to loans | 0.6191% | 2,394 |
| Credit loss provision to net charge-offs | 106.6305% | 3,102 |
| Earnings coverage of net charge-offs (x) | 4.2417% | 3,129 |
| Efficiency ratio | 61.1148% | 5,545 |
| Assets per employee ($millions) | 3.4844% | 5,044 |
| Cash dividends to net income (ytd only)* | 24.5609% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,919 |
| Loan loss allowance to noncurrent loans | 285.5241% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 5,145 |
| Noncurrent loans to loans | 0.6331% | 5,622 |
| Net loans and leases to total assets | 80.4606% | 474 |
| Net loans and leases to deposits | 92.6392% | 953 |
| Net loans and leases to core deposits | 98.1028% | 1,420 |
| Total domestic deposits to total assets | 86.8537% | 2,743 |
| Equity capital to assets | 11.7370% | 2,461 |
| Core capital (leverage) ratio | 11.9249% | 1,749 |
| Tier 1 risk-based capital ratio | 14.1341% | 4,249 |
| Total risk-based capital ratio | 15.3909% | 4,215 |
| Memoranda: | ||
| Average total assets | $438,469,750 | 1,499 |
| Average earning assets | $414,944,000 | 1,450 |
| Average equity | $44,627,500 | 1,523 |
| Average total loans | $357,282,250 | 1,201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8231% | 134 |
| Cost of funding earning assets | 1.3597% | 1,600 |
| Net interest margin | 5.4634% | 188 |
| Noninterest income to average assets | 0.3506% | 5,084 |
| Noninterest expense to average assets | 3.4625% | 2,084 |
| Loan and lease loss provision to assets | 0.6388% | 1,500 |
| Net operating income to assets | 0.9108% | 2,594 |
| Return on assets (ROA) | 0.9141% | 2,677 |
| Pretax return on assets | 1.4330% | 1,715 |
| Return on Equity (ROE) | 9.5039% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.5157% | 2,685 |
| Net charge-offs to loans | 0.8353% | 1,834 |
| Credit loss provision to net charge-offs | 94.0452% | 3,341 |
| Earnings coverage of net charge-offs (x) | 3.0424% | 3,332 |
| Efficiency ratio | 62.5294% | 5,496 |
| Assets per employee ($millions) | 3.3937% | 5,216 |
| Cash dividends to net income (ytd only)* | 41.9634% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 2,813 |
| Loan loss allowance to noncurrent loans | 257.0162% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 5,074 |
| Noncurrent loans to loans | 0.7216% | 5,469 |
| Net loans and leases to total assets | 79.9674% | 538 |
| Net loans and leases to deposits | 89.8609% | 1,288 |
| Net loans and leases to core deposits | 95.4150% | 1,738 |
| Total domestic deposits to total assets | 88.9902% | 1,534 |
| Equity capital to assets | 9.5757% | 4,697 |
| Core capital (leverage) ratio | 9.5588% | 3,869 |
| Tier 1 risk-based capital ratio | 11.5073% | 6,163 |
| Total risk-based capital ratio | 12.7645% | 6,142 |
| Memoranda: | ||
| Average total assets | $430,152,330 | 1,535 |
| Average earning assets | $407,735,000 | 1,491 |
| Average equity | $41,372,670 | 1,620 |
| Average total loans | $349,797,670 | 1,236 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8499% | 130 |
| Cost of funding earning assets | 1.3755% | 1,740 |
| Net interest margin | 5.4743% | 173 |
| Noninterest income to average assets | 0.3975% | 4,719 |
| Noninterest expense to average assets | 3.4919% | 2,022 |
| Loan and lease loss provision to assets | 0.8807% | 922 |
| Net operating income to assets | 0.7762% | 3,137 |
| Return on assets (ROA) | 0.7828% | 3,181 |
| Pretax return on assets | 1.2236% | 2,298 |
| Return on Equity (ROE) | 8.1200% | 2,856 |
| Retained earnings to average equity (ytd only) | 0.0586% | 5,770 |
| Net charge-offs to loans | 1.4088% | 973 |
| Credit loss provision to net charge-offs | 76.9547% | 3,215 |
| Earnings coverage of net charge-offs (x) | 1.8296% | 3,388 |
| Efficiency ratio | 62.4283% | 5,611 |
| Assets per employee ($millions) | 3.3802% | 5,296 |
| Cash dividends to net income (ytd only)* | 99.2780% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 2,671 |
| Loan loss allowance to noncurrent loans | 367.4234% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 6,182 |
| Noncurrent loans to loans | 0.5188% | 5,991 |
| Net loans and leases to total assets | 77.6098% | 780 |
| Net loans and leases to deposits | 87.1448% | 1,572 |
| Net loans and leases to core deposits | 92.5975% | 2,061 |
| Total domestic deposits to total assets | 89.0585% | 1,736 |
| Equity capital to assets | 9.5350% | 4,388 |
| Core capital (leverage) ratio | 9.4917% | 3,822 |
| Tier 1 risk-based capital ratio | 11.7586% | 5,890 |
| Total risk-based capital ratio | 13.0161% | 5,892 |
| Memoranda: | ||
| Average total assets | $424,638,500 | 1,566 |
| Average earning assets | $402,461,000 | 1,515 |
| Average equity | $40,936,000 | 1,629 |
| Average total loans | $344,963,000 | 1,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0500% | 140 |
| Cost of funding earning assets | 1.6832% | 1,669 |
| Net interest margin | 5.3668% | 215 |
| Noninterest income to average assets | 1.0348% | 1,403 |
| Noninterest expense to average assets | 3.7093% | 1,679 |
| Loan and lease loss provision to assets | 0.7922% | 2,060 |
| Net operating income to assets | 1.0034% | 2,030 |
| Return on assets (ROA) | 1.0032% | 2,133 |
| Pretax return on assets | 1.5777% | 1,181 |
| Return on Equity (ROE) | 10.6295% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.8279% | 747 |
| Net charge-offs to loans | 1.0084% | 2,179 |
| Credit loss provision to net charge-offs | 97.9279% | 4,730 |
| Earnings coverage of net charge-offs (x) | 2.9300% | 3,608 |
| Efficiency ratio | 60.7983% | 5,927 |
| Assets per employee ($millions) | 3.0434% | 6,008 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 2,476 |
| Loan loss allowance to noncurrent loans | 142.4895% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 4,752 |
| Noncurrent loans to loans | 1.3532% | 4,452 |
| Net loans and leases to total assets | 81.7945% | 467 |
| Net loans and leases to deposits | 92.0154% | 1,265 |
| Net loans and leases to core deposits | 97.5284% | 1,837 |
| Total domestic deposits to total assets | 88.8922% | 1,721 |
| Equity capital to assets | 9.7477% | 4,056 |
| Core capital (leverage) ratio | 9.7113% | 3,421 |
| Tier 1 risk-based capital ratio | 11.6639% | 5,756 |
| Total risk-based capital ratio | 12.9224% | 5,753 |
| Memoranda: | ||
| Average total assets | $411,663,000 | 1,605 |
| Average earning assets | $386,951,600 | 1,560 |
| Average equity | $38,854,000 | 1,700 |
| Average total loans | $330,233,800 | 1,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0607% | 136 |
| Cost of funding earning assets | 1.7492% | 1,628 |
| Net interest margin | 5.3115% | 236 |
| Noninterest income to average assets | 0.6768% | 2,967 |
| Noninterest expense to average assets | 3.7016% | 1,562 |
| Loan and lease loss provision to assets | 0.8197% | 1,847 |
| Net operating income to assets | 0.7234% | 3,306 |
| Return on assets (ROA) | 0.7230% | 3,461 |
| Pretax return on assets | 1.1319% | 2,727 |
| Return on Equity (ROE) | 7.7252% | 3,011 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,721 |
| Net charge-offs to loans | 0.6851% | 2,712 |
| Credit loss provision to net charge-offs | 150.6882% | 2,583 |
| Earnings coverage of net charge-offs (x) | 3.5889% | 3,383 |
| Efficiency ratio | 65.2234% | 5,014 |
| Assets per employee ($millions) | 2.9625% | 6,242 |
| Cash dividends to net income (ytd only)* | 30.3918% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 1,691 |
| Loan loss allowance to noncurrent loans | 120.9970% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.5724% | 4,084 |
| Noncurrent loans to loans | 1.8656% | 3,849 |
| Net loans and leases to total assets | 81.8274% | 518 |
| Net loans and leases to deposits | 92.1136% | 1,430 |
| Net loans and leases to core deposits | 95.4389% | 2,329 |
| Total domestic deposits to total assets | 88.8331% | 1,491 |
| Equity capital to assets | 9.6679% | 4,590 |
| Core capital (leverage) ratio | 9.3870% | 4,078 |
| Tier 1 risk-based capital ratio | 11.2750% | 6,122 |
| Total risk-based capital ratio | 12.5373% | 6,106 |
| Memoranda: | ||
| Average total assets | $409,580,000 | 1,642 |
| Average earning assets | $383,785,750 | 1,589 |
| Average equity | $38,332,500 | 1,740 |
| Average total loans | $325,220,500 | 1,394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0447% | 146 |
| Cost of funding earning assets | 1.7875% | 1,695 |
| Net interest margin | 5.2572% | 262 |
| Noninterest income to average assets | 0.6154% | 3,222 |
| Noninterest expense to average assets | 3.6707% | 1,621 |
| Loan and lease loss provision to assets | 0.7449% | 1,943 |
| Net operating income to assets | 0.7051% | 3,384 |
| Return on assets (ROA) | 0.7044% | 3,538 |
| Pretax return on assets | 1.1100% | 2,754 |
| Return on Equity (ROE) | 7.6097% | 3,053 |
| Retained earnings to average equity (ytd only) | 4.7173% | 3,076 |
| Net charge-offs to loans | 0.9108% | 2,010 |
| Credit loss provision to net charge-offs | 104.8663% | 3,889 |
| Earnings coverage of net charge-offs (x) | 2.6127% | 3,694 |
| Efficiency ratio | 66.1646% | 4,954 |
| Assets per employee ($millions) | 2.9921% | 6,154 |
| Cash dividends to net income (ytd only)* | 38.0097% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 1,972 |
| Loan loss allowance to noncurrent loans | 141.4734% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 4,762 |
| Noncurrent loans to loans | 1.4796% | 4,484 |
| Net loans and leases to total assets | 78.6622% | 1,016 |
| Net loans and leases to deposits | 88.4136% | 2,109 |
| Net loans and leases to core deposits | 92.5865% | 2,902 |
| Total domestic deposits to total assets | 88.9707% | 1,461 |
| Equity capital to assets | 9.4236% | 4,829 |
| Core capital (leverage) ratio | 9.1296% | 4,409 |
| Tier 1 risk-based capital ratio | 11.3454% | 5,909 |
| Total risk-based capital ratio | 12.6058% | 5,888 |
| Memoranda: | ||
| Average total assets | $410,817,000 | 1,655 |
| Average earning assets | $383,777,000 | 1,614 |
| Average equity | $38,030,330 | 1,751 |
| Average total loans | $320,366,670 | 1,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9394% | 187 |
| Cost of funding earning assets | 1.8040% | 1,854 |
| Net interest margin | 5.1354% | 327 |
| Noninterest income to average assets | 0.5174% | 3,918 |
| Noninterest expense to average assets | 3.6696% | 1,572 |
| Loan and lease loss provision to assets | 0.7829% | 1,612 |
| Net operating income to assets | 0.5570% | 4,100 |
| Return on assets (ROA) | 0.5563% | 4,244 |
| Pretax return on assets | 0.8676% | 3,594 |
| Return on Equity (ROE) | 6.0640% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.1945% | 4,815 |
| Net charge-offs to loans | 1.4259% | 1,213 |
| Credit loss provision to net charge-offs | 71.4920% | 4,066 |
| Earnings coverage of net charge-offs (x) | 1.5080% | 3,830 |
| Efficiency ratio | 68.7077% | 4,573 |
| Assets per employee ($millions) | 2.9853% | 6,244 |
| Cash dividends to net income (ytd only)* | 63.8112% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,033 |
| Loan loss allowance to noncurrent loans | 300.3233% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 5,586 |
| Noncurrent loans to loans | 0.6877% | 5,958 |
| Net loans and leases to total assets | 75.9450% | 1,553 |
| Net loans and leases to deposits | 85.0711% | 2,747 |
| Net loans and leases to core deposits | 90.3959% | 3,312 |
| Total domestic deposits to total assets | 89.2724% | 1,383 |
| Equity capital to assets | 9.3200% | 4,802 |
| Core capital (leverage) ratio | 9.1190% | 4,338 |
| Tier 1 risk-based capital ratio | 11.4074% | 5,757 |
| Total risk-based capital ratio | 12.6666% | 5,723 |
| Memoranda: | ||
| Average total assets | $411,267,500 | 1,697 |
| Average earning assets | $384,701,500 | 1,648 |
| Average equity | $37,731,000 | 1,784 |
| Average total loans | $315,878,500 | 1,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2052% | 208 |
| Cost of funding earning assets | 2.5354% | 933 |
| Net interest margin | 4.6698% | 878 |
| Noninterest income to average assets | 0.4701% | 4,649 |
| Noninterest expense to average assets | 3.8866% | 1,526 |
| Loan and lease loss provision to assets | 1.7191% | 1,329 |
| Net operating income to assets | -0.4597% | 6,137 |
| Return on assets (ROA) | -0.4540% | 6,130 |
| Pretax return on assets | -0.7371% | 6,223 |
| Return on Equity (ROE) | -4.9063% | 6,204 |
| Retained earnings to average equity (ytd only) | -5.7786% | 6,115 |
| Net charge-offs to loans | 2.2143% | 1,073 |
| Credit loss provision to net charge-offs | 99.2544% | 5,619 |
| Earnings coverage of net charge-offs (x) | 0.5618% | 5,544 |
| Efficiency ratio | 79.6801% | 2,928 |
| Assets per employee ($millions) | 3.1085% | 5,970 |
| Cash dividends to net income (ytd only)* | -17.7790% | 7,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1529% | 1,725 |
| Loan loss allowance to noncurrent loans | 292.7070% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 5,491 |
| Noncurrent loans to loans | 0.7355% | 5,782 |
| Net loans and leases to total assets | 74.4464% | 2,153 |
| Net loans and leases to deposits | 83.2017% | 3,422 |
| Net loans and leases to core deposits | 93.6702% | 4,708 |
| Total domestic deposits to total assets | 89.4770% | 1,218 |
| Equity capital to assets | 9.0324% | 5,087 |
| Core capital (leverage) ratio | 8.8364% | 4,710 |
| Tier 1 risk-based capital ratio | 11.1060% | 5,822 |
| Total risk-based capital ratio | 12.3661% | 5,762 |
| Memoranda: | ||
| Average total assets | $402,644,600 | 1,702 |
| Average earning assets | $378,475,000 | 1,664 |
| Average equity | $37,258,200 | 1,802 |
| Average total loans | $314,951,000 | 1,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2022% | 225 |
| Cost of funding earning assets | 2.6434% | 924 |
| Net interest margin | 4.5588% | 1,064 |
| Noninterest income to average assets | 0.5578% | 4,022 |
| Noninterest expense to average assets | 3.9918% | 1,282 |
| Loan and lease loss provision to assets | 1.9163% | 956 |
| Net operating income to assets | -0.6570% | 6,570 |
| Return on assets (ROA) | -0.6493% | 6,572 |
| Pretax return on assets | -1.0478% | 6,717 |
| Return on Equity (ROE) | -6.9738% | 6,657 |
| Retained earnings to average equity (ytd only) | -8.1396% | 6,619 |
| Net charge-offs to loans | 2.4049% | 767 |
| Credit loss provision to net charge-offs | 101.1460% | 5,026 |
| Earnings coverage of net charge-offs (x) | 0.4520% | 5,575 |
| Efficiency ratio | 82.0462% | 2,578 |
| Assets per employee ($millions) | 3.0977% | 5,915 |
| Cash dividends to net income (ytd only)* | -16.7180% | 7,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 1,387 |
| Loan loss allowance to noncurrent loans | 175.0757% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 5,114 |
| Noncurrent loans to loans | 1.2673% | 4,824 |
| Net loans and leases to total assets | 74.7970% | 2,291 |
| Net loans and leases to deposits | 83.7039% | 3,693 |
| Net loans and leases to core deposits | 96.0662% | 4,806 |
| Total domestic deposits to total assets | 89.3590% | 1,033 |
| Equity capital to assets | 9.1986% | 5,166 |
| Core capital (leverage) ratio | 8.7366% | 5,067 |
| Tier 1 risk-based capital ratio | 11.2633% | 5,672 |
| Total risk-based capital ratio | 12.5242% | 5,610 |
| Memoranda: | ||
| Average total assets | $399,171,750 | 1,736 |
| Average earning assets | $375,673,000 | 1,687 |
| Average equity | $37,167,000 | 1,826 |
| Average total loans | $314,459,000 | 1,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2990% | 208 |
| Cost of funding earning assets | 2.6414% | 1,178 |
| Net interest margin | 4.6576% | 861 |
| Noninterest income to average assets | 0.4157% | 5,155 |
| Noninterest expense to average assets | 3.8886% | 1,508 |
| Loan and lease loss provision to assets | 1.9539% | 833 |
| Net operating income to assets | -0.6511% | 6,705 |
| Return on assets (ROA) | -0.6395% | 6,700 |
| Pretax return on assets | -1.0315% | 6,837 |
| Return on Equity (ROE) | -6.8399% | 6,782 |
| Retained earnings to average equity (ytd only) | -8.5957% | 6,730 |
| Net charge-offs to loans | 2.4634% | 711 |
| Credit loss provision to net charge-offs | 99.6907% | 4,622 |
| Earnings coverage of net charge-offs (x) | 0.4613% | 5,239 |
| Efficiency ratio | 80.8600% | 2,910 |
| Assets per employee ($millions) | 3.0369% | 6,036 |
| Cash dividends to net income (ytd only)* | -25.6714% | 7,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2138% | 1,219 |
| Loan loss allowance to noncurrent loans | 174.3205% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 5,054 |
| Noncurrent loans to loans | 1.2700% | 4,658 |
| Net loans and leases to total assets | 73.9407% | 2,711 |
| Net loans and leases to deposits | 83.4141% | 3,977 |
| Net loans and leases to core deposits | 95.4297% | 4,966 |
| Total domestic deposits to total assets | 88.6429% | 1,465 |
| Equity capital to assets | 9.3022% | 4,863 |
| Core capital (leverage) ratio | 9.6206% | 3,736 |
| Tier 1 risk-based capital ratio | 11.4470% | 5,448 |
| Total risk-based capital ratio | 12.7077% | 5,352 |
| Memoranda: | ||
| Average total assets | $395,929,000 | 1,779 |
| Average earning assets | $372,076,330 | 1,731 |
| Average equity | $37,018,330 | 1,845 |
| Average total loans | $315,017,000 | 1,575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4672% | 170 |
| Cost of funding earning assets | 2.7777% | 1,036 |
| Net interest margin | 4.6895% | 779 |
| Noninterest income to average assets | 0.5688% | 3,767 |
| Noninterest expense to average assets | 3.7819% | 1,503 |
| Loan and lease loss provision to assets | 1.7516% | 711 |
| Net operating income to assets | -0.3454% | 6,733 |
| Return on assets (ROA) | -0.3415% | 6,805 |
| Pretax return on assets | -0.5585% | 6,866 |
| Return on Equity (ROE) | -3.6424% | 6,854 |
| Retained earnings to average equity (ytd only) | -6.1110% | 6,699 |
| Net charge-offs to loans | 2.1176% | 679 |
| Credit loss provision to net charge-offs | 101.3087% | 3,686 |
| Earnings coverage of net charge-offs (x) | 0.6865% | 4,459 |
| Efficiency ratio | 75.9056% | 3,510 |
| Assets per employee ($millions) | 2.7903% | 6,669 |
| Cash dividends to net income (ytd only)* | -67.7711% | 8,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,092 |
| Loan loss allowance to noncurrent loans | 143.5978% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 4,154 |
| Noncurrent loans to loans | 1.5277% | 3,993 |
| Net loans and leases to total assets | 80.4372% | 1,307 |
| Net loans and leases to deposits | 91.9984% | 2,606 |
| Net loans and leases to core deposits | 108.2136% | 3,655 |
| Total domestic deposits to total assets | 87.4333% | 2,002 |
| Equity capital to assets | 10.2522% | 3,708 |
| Core capital (leverage) ratio | 10.0039% | 3,413 |
| Tier 1 risk-based capital ratio | 11.9021% | 5,042 |
| Total risk-based capital ratio | 13.1631% | 4,943 |
| Memoranda: | ||
| Average total assets | $388,903,500 | 1,811 |
| Average earning assets | $364,900,500 | 1,767 |
| Average equity | $36,459,000 | 1,876 |
| Average total loans | $317,523,000 | 1,580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3327% | 122 |
| Cost of funding earning assets | 3.2870% | 962 |
| Net interest margin | 5.0456% | 458 |
| Noninterest income to average assets | 0.7640% | 2,700 |
| Noninterest expense to average assets | 4.0697% | 1,323 |
| Loan and lease loss provision to assets | 1.6934% | 763 |
| Net operating income to assets | -0.1676% | 6,581 |
| Return on assets (ROA) | -0.1624% | 6,417 |
| Pretax return on assets | -0.2692% | 6,432 |
| Return on Equity (ROE) | -1.7507% | 6,469 |
| Retained earnings to average equity (ytd only) | -7.9084% | 6,879 |
| Net charge-offs to loans | 1.9242% | 571 |
| Credit loss provision to net charge-offs | 106.9280% | 5,021 |
| Earnings coverage of net charge-offs (x) | 0.8942% | 5,690 |
| Efficiency ratio | 73.9805% | 3,576 |
| Assets per employee ($millions) | 2.8871% | 6,346 |
| Cash dividends to net income (ytd only)* | -351.7298% | 8,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1440% | 1,010 |
| Loan loss allowance to noncurrent loans | 137.1434% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 3,681 |
| Noncurrent loans to loans | 1.5633% | 3,441 |
| Net loans and leases to total assets | 79.3318% | 1,814 |
| Net loans and leases to deposits | 89.1546% | 3,610 |
| Net loans and leases to core deposits | 103.8373% | 4,407 |
| Total domestic deposits to total assets | 88.9823% | 1,048 |
| Equity capital to assets | 8.5269% | 6,039 |
| Core capital (leverage) ratio | 8.4767% | 5,613 |
| Tier 1 risk-based capital ratio | 9.9632% | 6,776 |
| Total risk-based capital ratio | 11.2234% | 6,646 |
| Memoranda: | ||
| Average total assets | $373,689,000 | 1,803 |
| Average earning assets | $349,708,400 | 1,773 |
| Average equity | $34,672,000 | 1,960 |
| Average total loans | $307,556,000 | 1,576 |