Home > Bank of the West > Performance and Condition Ratios
Bank of the West, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 1,217 |
| Cost of funding earning assets | 1.0647% | 3,161 |
| Net interest margin | 4.3985% | 708 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.7473% | 1,634 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.7982% | 614 |
| Return on assets (ROA) | 1.7982% | 591 |
| Pretax return on assets | 1.7982% | 892 |
| Return on Equity (ROE) | 23.0900% | 398 |
| Retained earnings to average equity (ytd only) | 11.8081% | 655 |
| Net charge-offs to loans | -0.0025% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.2807% | 3,049 |
| Assets per employee ($millions) | 6.5579% | 2,378 |
| Cash dividends to net income (ytd only)* | 48.8540% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,311 |
| Loan loss allowance to noncurrent loans | 161.4734% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 1,071 |
| Noncurrent loans to loans | 0.7414% | 1,052 |
| Net loans and leases to total assets | 56.0900% | 3,184 |
| Net loans and leases to deposits | 61.2929% | 3,453 |
| Net loans and leases to core deposits | 65.0099% | 3,541 |
| Total domestic deposits to total assets | 91.5100% | 388 |
| Equity capital to assets | 7.9126% | 3,472 |
| Core capital (leverage) ratio | 8.3329% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5840% | 1,374 |
| Memoranda: | ||
| Average total assets | $747,303,400 | 1,245 |
| Average earning assets | $706,492,000 | 1,217 |
| Average equity | $58,206,000 | 1,422 |
| Average total loans | $432,914,200 | 1,385 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 1,233 |
| Cost of funding earning assets | 0.8902% | 3,299 |
| Net interest margin | 4.4444% | 671 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.6948% | 1,676 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.9108% | 557 |
| Return on assets (ROA) | 1.9108% | 552 |
| Pretax return on assets | 1.9108% | 848 |
| Return on Equity (ROE) | 24.6400% | 401 |
| Retained earnings to average equity (ytd only) | 13.0624% | 805 |
| Net charge-offs to loans | -0.0025% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.4333% | 3,151 |
| Assets per employee ($millions) | 6.5861% | 2,259 |
| Cash dividends to net income (ytd only)* | 46.9815% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,657 |
| Loan loss allowance to noncurrent loans | 106.4836% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 761 |
| Noncurrent loans to loans | 1.0740% | 742 |
| Net loans and leases to total assets | 58.3500% | 3,000 |
| Net loans and leases to deposits | 63.5882% | 3,289 |
| Net loans and leases to core deposits | 67.0760% | 3,374 |
| Total domestic deposits to total assets | 91.7600% | 503 |
| Equity capital to assets | 7.7018% | 3,242 |
| Core capital (leverage) ratio | 8.3584% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9977% | 1,567 |
| Memoranda: | ||
| Average total assets | $737,391,250 | 1,258 |
| Average earning assets | $696,618,500 | 1,233 |
| Average equity | $57,190,500 | 1,429 |
| Average total loans | $429,460,750 | 1,386 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 1,336 |
| Cost of funding earning assets | 0.6636% | 3,596 |
| Net interest margin | 4.4542% | 651 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.7219% | 1,590 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.8629% | 598 |
| Return on assets (ROA) | 1.8629% | 591 |
| Pretax return on assets | 1.8629% | 911 |
| Return on Equity (ROE) | 23.9600% | 434 |
| Retained earnings to average equity (ytd only) | 12.7683% | 840 |
| Net charge-offs to loans | -0.0024% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.2896% | 3,045 |
| Assets per employee ($millions) | 6.1860% | 2,557 |
| Cash dividends to net income (ytd only)* | 46.7138% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,652 |
| Loan loss allowance to noncurrent loans | 177.4851% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 1,077 |
| Noncurrent loans to loans | 0.6542% | 1,144 |
| Net loans and leases to total assets | 59.4300% | 2,827 |
| Net loans and leases to deposits | 64.8817% | 3,134 |
| Net loans and leases to core deposits | 67.4910% | 3,265 |
| Total domestic deposits to total assets | 91.6000% | 486 |
| Equity capital to assets | 8.0230% | 3,199 |
| Core capital (leverage) ratio | 8.4895% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9952% | 1,575 |
| Memoranda: | ||
| Average total assets | $728,526,333 | 1,258 |
| Average earning assets | $688,031,000 | 1,244 |
| Average equity | $56,640,333 | 1,442 |
| Average total loans | $422,306,667 | 1,400 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 1,560 |
| Cost of funding earning assets | 0.3566% | 4,057 |
| Net interest margin | 4.4710% | 608 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7144% | 1,636 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.8404% | 631 |
| Return on assets (ROA) | 1.8404% | 615 |
| Pretax return on assets | 1.8404% | 1,002 |
| Return on Equity (ROE) | 24.0500% | 453 |
| Retained earnings to average equity (ytd only) | 13.7894% | 971 |
| Net charge-offs to loans | -0.0029% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5152% | 3,015 |
| Assets per employee ($millions) | 6.0670% | 2,703 |
| Cash dividends to net income (ytd only)* | 42.6702% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,134 |
| Loan loss allowance to noncurrent loans | 188.5624% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 1,003 |
| Noncurrent loans to loans | 0.6781% | 1,116 |
| Net loans and leases to total assets | 58.6400% | 2,806 |
| Net loans and leases to deposits | 63.8832% | 3,097 |
| Net loans and leases to core deposits | 65.9872% | 3,227 |
| Total domestic deposits to total assets | 91.7900% | 569 |
| Equity capital to assets | 8.0153% | 3,232 |
| Core capital (leverage) ratio | 8.2592% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0469% | 1,612 |
| Memoranda: | ||
| Average total assets | $730,909,000 | 1,272 |
| Average earning assets | $691,023,500 | 1,254 |
| Average equity | $55,927,000 | 1,470 |
| Average total loans | $415,853,500 | 1,430 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 2,971 |
| Cost of funding earning assets | 0.1424% | 4,162 |
| Net interest margin | 3.3981% | 2,265 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.5687% | 1,908 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0030% | 2,555 |
| Return on assets (ROA) | 1.0030% | 2,499 |
| Pretax return on assets | 1.0030% | 3,065 |
| Return on Equity (ROE) | 13.9900% | 1,531 |
| Retained earnings to average equity (ytd only) | 7.0264% | 2,232 |
| Net charge-offs to loans | 0.0335% | 1,405 |
| Credit loss provision to net charge-offs | 35.3383% | 1,876 |
| Earnings coverage of net charge-offs (x) | 57.3684% | 1,286 |
| Efficiency ratio | 71.7940% | 1,467 |
| Assets per employee ($millions) | 6.3727% | 2,444 |
| Cash dividends to net income (ytd only)* | 49.7824% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,847 |
| Loan loss allowance to noncurrent loans | 1,024.1905% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,305 |
| Noncurrent loans to loans | 0.1280% | 2,869 |
| Net loans and leases to total assets | 53.8200% | 3,216 |
| Net loans and leases to deposits | 58.2876% | 3,437 |
| Net loans and leases to core deposits | 59.4627% | 3,538 |
| Total domestic deposits to total assets | 92.3300% | 554 |
| Equity capital to assets | 7.3085% | 3,483 |
| Core capital (leverage) ratio | 7.6488% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9543% | 1,644 |
| Memoranda: | ||
| Average total assets | $756,065,000 | 1,237 |
| Average earning assets | $715,046,200 | 1,209 |
| Average equity | $54,195,600 | 1,518 |
| Average total loans | $397,206,800 | 1,403 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1939% | 3,450 |
| Cost of funding earning assets | 0.1099% | 4,201 |
| Net interest margin | 3.0840% | 2,980 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.3903% | 2,369 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8934% | 2,893 |
| Return on assets (ROA) | 0.8934% | 2,873 |
| Pretax return on assets | 0.8934% | 3,338 |
| Return on Equity (ROE) | 12.5200% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.2412% | 2,659 |
| Net charge-offs to loans | -0.0034% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.6528% | 1,425 |
| Assets per employee ($millions) | 7.0332% | 1,915 |
| Cash dividends to net income (ytd only)* | 50.1676% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 1,631 |
| Loan loss allowance to noncurrent loans | 703.5760% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 2,184 |
| Noncurrent loans to loans | 0.1980% | 2,610 |
| Net loans and leases to total assets | 52.3100% | 3,251 |
| Net loans and leases to deposits | 56.5326% | 3,436 |
| Net loans and leases to core deposits | 58.1016% | 3,497 |
| Total domestic deposits to total assets | 92.5200% | 712 |
| Equity capital to assets | 7.1390% | 3,435 |
| Core capital (leverage) ratio | 7.4474% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8978% | 1,740 |
| Memoranda: | ||
| Average total assets | $757,087,250 | 1,240 |
| Average earning assets | $715,935,250 | 1,218 |
| Average equity | $54,005,000 | 1,534 |
| Average total loans | $393,993,750 | 1,402 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8740% | 3,844 |
| Cost of funding earning assets | 0.0959% | 4,231 |
| Net interest margin | 2.7782% | 3,505 |
| Noninterest income to average assets | 0.4234% | 2,607 |
| Noninterest expense to average assets | 2.3174% | 2,498 |
| Loan and lease loss provision to assets | 0.0060% | 2,492 |
| Net operating income to assets | 0.7273% | 3,217 |
| Return on assets (ROA) | 0.7273% | 3,171 |
| Pretax return on assets | 0.7273% | 3,511 |
| Return on Equity (ROE) | 10.1979% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.1119% | 2,662 |
| Net charge-offs to loans | -0.0015% | 3,082 |
| Credit loss provision to net charge-offs | -766.6667% | 3,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9628% | 1,289 |
| Assets per employee ($millions) | 7.2942% | 1,743 |
| Cash dividends to net income (ytd only)* | 49.8735% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,794 |
| Loan loss allowance to noncurrent loans | 503.5780% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,382 |
| Noncurrent loans to loans | 0.2763% | 2,367 |
| Net loans and leases to total assets | 51.7733% | 3,183 |
| Net loans and leases to deposits | 55.8641% | 3,388 |
| Net loans and leases to core deposits | 57.4266% | 3,466 |
| Total domestic deposits to total assets | 92.6771% | 593 |
| Equity capital to assets | 7.1119% | 3,713 |
| Core capital (leverage) ratio | 7.2028% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5088% | 1,860 |
| Memoranda: | ||
| Average total assets | $760,944,667 | 1,238 |
| Average earning assets | $719,614,333 | 1,220 |
| Average equity | $54,266,000 | 1,571 |
| Average total loans | $393,505,000 | 1,398 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6359% | 4,058 |
| Cost of funding earning assets | 0.0977% | 4,158 |
| Net interest margin | 2.5383% | 3,815 |
| Noninterest income to average assets | 0.4200% | 2,558 |
| Noninterest expense to average assets | 2.2926% | 2,528 |
| Loan and lease loss provision to assets | 0.0057% | 2,203 |
| Net operating income to assets | 0.5239% | 3,643 |
| Return on assets (ROA) | 0.5239% | 3,609 |
| Pretax return on assets | 0.5239% | 3,824 |
| Return on Equity (ROE) | 7.3368% | 2,936 |
| Retained earnings to average equity (ytd only) | 3.5331% | 3,108 |
| Net charge-offs to loans | -0.0010% | 3,020 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2326% | 1,051 |
| Assets per employee ($millions) | 7.3825% | 1,749 |
| Cash dividends to net income (ytd only)* | 51.8445% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 1,972 |
| Loan loss allowance to noncurrent loans | 166.8699% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 862 |
| Noncurrent loans to loans | 0.8300% | 1,130 |
| Net loans and leases to total assets | 49.8172% | 3,193 |
| Net loans and leases to deposits | 53.5855% | 3,451 |
| Net loans and leases to core deposits | 55.2201% | 3,507 |
| Total domestic deposits to total assets | 92.9677% | 281 |
| Equity capital to assets | 6.9642% | 4,231 |
| Core capital (leverage) ratio | 7.2070% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6832% | 1,925 |
| Memoranda: | ||
| Average total assets | $765,765,500 | 1,236 |
| Average earning assets | $724,751,000 | 1,219 |
| Average equity | $54,683,000 | 1,607 |
| Average total loans | $393,026,000 | 1,389 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 3,104 |
| Cost of funding earning assets | 0.3032% | 2,382 |
| Net interest margin | 3.0301% | 3,112 |
| Noninterest income to average assets | 0.6191% | 2,080 |
| Noninterest expense to average assets | 2.5604% | 1,989 |
| Loan and lease loss provision to assets | 0.1118% | 1,127 |
| Net operating income to assets | 0.8037% | 3,322 |
| Return on assets (ROA) | 0.8037% | 3,394 |
| Pretax return on assets | 0.8037% | 3,719 |
| Return on Equity (ROE) | 10.6776% | 2,283 |
| Retained earnings to average equity (ytd only) | 5.3620% | 2,640 |
| Net charge-offs to loans | 0.0327% | 1,581 |
| Credit loss provision to net charge-offs | 591.8519% | 732 |
| Earnings coverage of net charge-offs (x) | 48.4741% | 1,315 |
| Efficiency ratio | 73.6607% | 1,345 |
| Assets per employee ($millions) | 6.4568% | 2,364 |
| Cash dividends to net income (ytd only)* | 49.7824% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,927 |
| Loan loss allowance to noncurrent loans | 567.2897% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 1,579 |
| Noncurrent loans to loans | 0.2465% | 2,742 |
| Net loans and leases to total assets | 51.4391% | 3,124 |
| Net loans and leases to deposits | 55.6157% | 3,454 |
| Net loans and leases to core deposits | 57.4733% | 3,518 |
| Total domestic deposits to total assets | 92.4904% | 95 |
| Equity capital to assets | 7.3257% | 4,648 |
| Core capital (leverage) ratio | 7.2745% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7923% | 1,927 |
| Memoranda: | ||
| Average total assets | $714,778,800 | 1,269 |
| Average earning assets | $673,911,800 | 1,256 |
| Average equity | $53,804,400 | 1,658 |
| Average total loans | $412,745,000 | 1,340 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 2,854 |
| Cost of funding earning assets | 0.3685% | 1,949 |
| Net interest margin | 3.1244% | 2,986 |
| Noninterest income to average assets | 0.6370% | 2,065 |
| Noninterest expense to average assets | 2.5272% | 2,045 |
| Loan and lease loss provision to assets | 0.1211% | 974 |
| Net operating income to assets | 0.9323% | 3,142 |
| Return on assets (ROA) | 0.9323% | 3,222 |
| Pretax return on assets | 0.9323% | 3,626 |
| Return on Equity (ROE) | 12.2974% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.4450% | 2,633 |
| Net charge-offs to loans | 0.0408% | 1,278 |
| Credit loss provision to net charge-offs | 500.7813% | 755 |
| Earnings coverage of net charge-offs (x) | 43.5859% | 1,312 |
| Efficiency ratio | 70.5827% | 1,538 |
| Assets per employee ($millions) | 6.1715% | 2,529 |
| Cash dividends to net income (ytd only)* | 47.5901% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 2,259 |
| Loan loss allowance to noncurrent loans | 549.7930% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 1,772 |
| Noncurrent loans to loans | 0.2444% | 2,958 |
| Net loans and leases to total assets | 53.1028% | 3,072 |
| Net loans and leases to deposits | 57.5607% | 3,443 |
| Net loans and leases to core deposits | 59.7389% | 3,486 |
| Total domestic deposits to total assets | 92.2554% | 85 |
| Equity capital to assets | 7.4548% | 4,717 |
| Core capital (leverage) ratio | 7.2889% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5754% | 2,141 |
| Memoranda: | ||
| Average total assets | $706,227,500 | 1,297 |
| Average earning assets | $665,318,000 | 1,284 |
| Average equity | $53,538,500 | 1,685 |
| Average total loans | $418,247,750 | 1,352 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 2,871 |
| Cost of funding earning assets | 0.4515% | 1,506 |
| Net interest margin | 3.0568% | 3,161 |
| Noninterest income to average assets | 0.6352% | 2,068 |
| Noninterest expense to average assets | 2.4537% | 2,297 |
| Loan and lease loss provision to assets | 0.1406% | 866 |
| Net operating income to assets | 0.9187% | 3,167 |
| Return on assets (ROA) | 0.9187% | 3,242 |
| Pretax return on assets | 0.9187% | 3,617 |
| Return on Equity (ROE) | 12.0485% | 2,041 |
| Retained earnings to average equity (ytd only) | 6.3084% | 2,689 |
| Net charge-offs to loans | 0.0643% | 974 |
| Credit loss provision to net charge-offs | 357.6642% | 815 |
| Earnings coverage of net charge-offs (x) | 26.9416% | 1,374 |
| Efficiency ratio | 69.8448% | 1,660 |
| Assets per employee ($millions) | 6.3211% | 2,309 |
| Cash dividends to net income (ytd only)* | 47.6414% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,546 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,564 |
| Noncurrent loans to loans | 0.2396% | 3,087 |
| Net loans and leases to total assets | 54.7517% | 3,046 |
| Net loans and leases to deposits | 59.2721% | 3,447 |
| Net loans and leases to core deposits | 61.5334% | 3,505 |
| Total domestic deposits to total assets | 92.3735% | 73 |
| Equity capital to assets | 7.4140% | 4,760 |
| Core capital (leverage) ratio | 7.3580% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5300% | 2,155 |
| Memoranda: | ||
| Average total assets | $696,835,333 | 1,306 |
| Average earning assets | $656,051,667 | 1,294 |
| Average equity | $53,135,333 | 1,689 |
| Average total loans | $425,897,000 | 1,338 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 2,661 |
| Cost of funding earning assets | 0.4595% | 1,654 |
| Net interest margin | 3.1336% | 2,896 |
| Noninterest income to average assets | 0.7251% | 1,787 |
| Noninterest expense to average assets | 2.5427% | 2,044 |
| Loan and lease loss provision to assets | 0.1936% | 632 |
| Net operating income to assets | 0.9375% | 3,017 |
| Return on assets (ROA) | 0.9375% | 3,094 |
| Pretax return on assets | 0.9375% | 3,519 |
| Return on Equity (ROE) | 12.1162% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.4296% | 2,755 |
| Net charge-offs to loans | 0.0887% | 750 |
| Credit loss provision to net charge-offs | 340.2062% | 708 |
| Earnings coverage of net charge-offs (x) | 19.8763% | 1,256 |
| Efficiency ratio | 69.2111% | 1,789 |
| Assets per employee ($millions) | 5.9415% | 2,655 |
| Cash dividends to net income (ytd only)* | 46.9337% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,118 |
| Loan loss allowance to noncurrent loans | 226.8711% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 1,567 |
| Noncurrent loans to loans | 0.5136% | 2,316 |
| Net loans and leases to total assets | 61.9275% | 2,295 |
| Net loans and leases to deposits | 67.3816% | 2,770 |
| Net loans and leases to core deposits | 70.0467% | 2,860 |
| Total domestic deposits to total assets | 91.9056% | 166 |
| Equity capital to assets | 7.7051% | 4,633 |
| Core capital (leverage) ratio | 7.7229% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0806% | 2,258 |
| Memoranda: | ||
| Average total assets | $681,791,500 | 1,314 |
| Average earning assets | $641,570,500 | 1,304 |
| Average equity | $52,756,000 | 1,691 |
| Average total loans | $437,268,000 | 1,310 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 1,790 |
| Cost of funding earning assets | 0.5333% | 2,728 |
| Net interest margin | 3.7900% | 1,528 |
| Noninterest income to average assets | 0.8496% | 1,397 |
| Noninterest expense to average assets | 2.9146% | 1,645 |
| Loan and lease loss provision to assets | 0.1883% | 2,072 |
| Net operating income to assets | 1.2726% | 1,325 |
| Return on assets (ROA) | 1.2726% | 1,431 |
| Pretax return on assets | 1.2726% | 2,074 |
| Return on Equity (ROE) | 14.7276% | 685 |
| Retained earnings to average equity (ytd only) | 6.2515% | 1,679 |
| Net charge-offs to loans | 0.0371% | 2,312 |
| Credit loss provision to net charge-offs | 700.0000% | 993 |
| Earnings coverage of net charge-offs (x) | 54.3121% | 1,129 |
| Efficiency ratio | 66.6118% | 2,428 |
| Assets per employee ($millions) | 6.0212% | 2,322 |
| Cash dividends to net income (ytd only)* | 57.5525% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,541 |
| Loan loss allowance to noncurrent loans | 210.9011% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 1,665 |
| Noncurrent loans to loans | 0.5139% | 2,433 |
| Net loans and leases to total assets | 64.9337% | 2,238 |
| Net loans and leases to deposits | 70.7672% | 2,800 |
| Net loans and leases to core deposits | 74.4962% | 2,865 |
| Total domestic deposits to total assets | 91.7568% | 93 |
| Equity capital to assets | 7.7714% | 4,780 |
| Core capital (leverage) ratio | 7.7653% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9479% | 2,253 |
| Memoranda: | ||
| Average total assets | $583,679,800 | 1,357 |
| Average earning assets | $543,004,000 | 1,368 |
| Average equity | $50,435,800 | 1,681 |
| Average total loans | $422,923,200 | 1,290 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,647 |
| Cost of funding earning assets | 0.5510% | 2,916 |
| Net interest margin | 3.9201% | 1,302 |
| Noninterest income to average assets | 0.8589% | 1,331 |
| Noninterest expense to average assets | 3.0632% | 1,307 |
| Loan and lease loss provision to assets | 0.1667% | 2,332 |
| Net operating income to assets | 1.2644% | 1,437 |
| Return on assets (ROA) | 1.2644% | 1,555 |
| Pretax return on assets | 1.2644% | 2,178 |
| Return on Equity (ROE) | 14.2026% | 839 |
| Retained earnings to average equity (ytd only) | 6.7943% | 1,781 |
| Net charge-offs to loans | 0.0392% | 2,069 |
| Credit loss provision to net charge-offs | 569.9187% | 1,193 |
| Earnings coverage of net charge-offs (x) | 48.9512% | 1,208 |
| Efficiency ratio | 68.1597% | 2,165 |
| Assets per employee ($millions) | 5.7808% | 2,469 |
| Cash dividends to net income (ytd only)* | 52.1617% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 3,930 |
| Loan loss allowance to noncurrent loans | 189.2872% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 1,693 |
| Noncurrent loans to loans | 0.4968% | 2,571 |
| Net loans and leases to total assets | 74.1394% | 1,354 |
| Net loans and leases to deposits | 81.1925% | 2,183 |
| Net loans and leases to core deposits | 85.3845% | 2,352 |
| Total domestic deposits to total assets | 91.3131% | 123 |
| Equity capital to assets | 8.2362% | 4,614 |
| Core capital (leverage) ratio | 8.2333% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8201% | 2,278 |
| Memoranda: | ||
| Average total assets | $561,006,250 | 1,393 |
| Average earning assets | $520,249,750 | 1,396 |
| Average equity | $49,942,750 | 1,686 |
| Average total loans | $417,980,500 | 1,298 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 1,504 |
| Cost of funding earning assets | 0.5833% | 3,058 |
| Net interest margin | 4.0790% | 1,160 |
| Noninterest income to average assets | 0.7331% | 1,630 |
| Noninterest expense to average assets | 3.2883% | 1,014 |
| Loan and lease loss provision to assets | 0.2041% | 2,011 |
| Net operating income to assets | 1.0079% | 2,292 |
| Return on assets (ROA) | 1.0079% | 2,419 |
| Pretax return on assets | 1.0079% | 2,999 |
| Return on Equity (ROE) | 10.9999% | 1,630 |
| Retained earnings to average equity (ytd only) | 4.0007% | 2,907 |
| Net charge-offs to loans | 0.0155% | 2,433 |
| Credit loss provision to net charge-offs | 1,770.9677% | 537 |
| Earnings coverage of net charge-offs (x) | 105.1613% | 679 |
| Efficiency ratio | 73.0690% | 1,559 |
| Assets per employee ($millions) | 5.3917% | 2,743 |
| Cash dividends to net income (ytd only)* | 63.6297% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,810 |
| Loan loss allowance to noncurrent loans | 242.3034% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 1,923 |
| Noncurrent loans to loans | 0.3910% | 3,001 |
| Net loans and leases to total assets | 76.4501% | 1,068 |
| Net loans and leases to deposits | 83.8422% | 2,011 |
| Net loans and leases to core deposits | 89.5265% | 2,110 |
| Total domestic deposits to total assets | 91.1834% | 117 |
| Equity capital to assets | 8.4017% | 4,534 |
| Core capital (leverage) ratio | 8.5907% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8205% | 2,257 |
| Memoranda: | ||
| Average total assets | $537,971,667 | 1,421 |
| Average earning assets | $496,839,000 | 1,423 |
| Average equity | $49,291,333 | 1,693 |
| Average total loans | $400,109,000 | 1,323 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,628 |
| Cost of funding earning assets | 0.6651% | 3,086 |
| Net interest margin | 4.0612% | 1,222 |
| Noninterest income to average assets | 0.6744% | 1,754 |
| Noninterest expense to average assets | 3.4035% | 1,060 |
| Loan and lease loss provision to assets | 0.1174% | 2,221 |
| Net operating income to assets | 0.8863% | 2,564 |
| Return on assets (ROA) | 0.8863% | 2,664 |
| Pretax return on assets | 0.8863% | 3,171 |
| Return on Equity (ROE) | 9.2221% | 2,019 |
| Retained earnings to average equity (ytd only) | 4.0987% | 2,640 |
| Net charge-offs to loans | 0.0238% | 1,888 |
| Credit loss provision to net charge-offs | 677.2727% | 739 |
| Earnings coverage of net charge-offs (x) | 57.9091% | 821 |
| Efficiency ratio | 77.2256% | 1,429 |
| Assets per employee ($millions) | 4.8557% | 2,810 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,369 |
| Loan loss allowance to noncurrent loans | 392.1260% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,239 |
| Noncurrent loans to loans | 0.2719% | 3,523 |
| Net loans and leases to total assets | 72.5198% | 1,851 |
| Net loans and leases to deposits | 80.4814% | 2,630 |
| Net loans and leases to core deposits | 87.0454% | 2,593 |
| Total domestic deposits to total assets | 90.1075% | 288 |
| Equity capital to assets | 9.5622% | 4,163 |
| Core capital (leverage) ratio | 9.6300% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6568% | 2,417 |
| Memoranda: | ||
| Average total assets | $507,720,000 | 1,450 |
| Average earning assets | $466,662,500 | 1,452 |
| Average equity | $48,796,000 | 1,699 |
| Average total loans | $369,208,000 | 1,387 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 1,331 |
| Cost of funding earning assets | 0.6195% | 3,560 |
| Net interest margin | 4.4357% | 830 |
| Noninterest income to average assets | 0.6446% | 2,027 |
| Noninterest expense to average assets | 3.3134% | 1,271 |
| Loan and lease loss provision to assets | 0.1034% | 1,996 |
| Net operating income to assets | 1.3075% | 1,660 |
| Return on assets (ROA) | 1.3075% | 1,741 |
| Pretax return on assets | 1.3075% | 2,488 |
| Return on Equity (ROE) | 13.8418% | 930 |
| Retained earnings to average equity (ytd only) | 6.0277% | 1,852 |
| Net charge-offs to loans | 0.1180% | 1,568 |
| Credit loss provision to net charge-offs | 120.9412% | 2,100 |
| Earnings coverage of net charge-offs (x) | 16.5059% | 2,166 |
| Efficiency ratio | 70.1350% | 2,150 |
| Assets per employee ($millions) | 5.3220% | 2,224 |
| Cash dividends to net income (ytd only)* | 56.4529% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,176 |
| Loan loss allowance to noncurrent loans | 364.9953% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 2,093 |
| Noncurrent loans to loans | 0.2898% | 3,394 |
| Net loans and leases to total assets | 71.3685% | 2,193 |
| Net loans and leases to deposits | 79.3041% | 2,866 |
| Net loans and leases to core deposits | 85.1338% | 2,862 |
| Total domestic deposits to total assets | 89.9935% | 322 |
| Equity capital to assets | 9.6598% | 4,212 |
| Core capital (leverage) ratio | 9.4149% | 4,153 |
| Tier 1 risk-based capital ratio | 12.7570% | 3,915 |
| Total risk-based capital ratio | 13.7885% | 3,933 |
| Memoranda: | ||
| Average total assets | $497,196,800 | 1,431 |
| Average earning assets | $457,289,000 | 1,440 |
| Average equity | $46,966,400 | 1,687 |
| Average total loans | $360,065,800 | 1,383 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 1,273 |
| Cost of funding earning assets | 0.6178% | 3,597 |
| Net interest margin | 4.4879% | 792 |
| Noninterest income to average assets | 0.6105% | 2,152 |
| Noninterest expense to average assets | 3.2779% | 1,315 |
| Loan and lease loss provision to assets | 0.1031% | 1,860 |
| Net operating income to assets | 1.3594% | 1,615 |
| Return on assets (ROA) | 1.3594% | 1,681 |
| Pretax return on assets | 1.3594% | 2,466 |
| Return on Equity (ROE) | 14.4747% | 894 |
| Retained earnings to average equity (ytd only) | 5.9585% | 2,390 |
| Net charge-offs to loans | 0.0999% | 1,476 |
| Credit loss provision to net charge-offs | 142.3792% | 1,707 |
| Earnings coverage of net charge-offs (x) | 20.1895% | 1,972 |
| Efficiency ratio | 69.1473% | 2,234 |
| Assets per employee ($millions) | 4.9838% | 2,580 |
| Cash dividends to net income (ytd only)* | 58.8352% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,155 |
| Loan loss allowance to noncurrent loans | 368.6610% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 2,157 |
| Noncurrent loans to loans | 0.2912% | 3,492 |
| Net loans and leases to total assets | 72.4906% | 2,086 |
| Net loans and leases to deposits | 80.7078% | 2,833 |
| Net loans and leases to core deposits | 86.7821% | 2,842 |
| Total domestic deposits to total assets | 89.8186% | 333 |
| Equity capital to assets | 9.7337% | 4,258 |
| Core capital (leverage) ratio | 9.4292% | 4,252 |
| Tier 1 risk-based capital ratio | 12.4684% | 4,160 |
| Total risk-based capital ratio | 13.4992% | 4,166 |
| Memoranda: | ||
| Average total assets | $495,098,500 | 1,445 |
| Average earning assets | $455,610,750 | 1,452 |
| Average equity | $46,498,250 | 1,703 |
| Average total loans | $358,909,750 | 1,397 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 1,358 |
| Cost of funding earning assets | 0.6131% | 3,586 |
| Net interest margin | 4.4348% | 880 |
| Noninterest income to average assets | 0.5810% | 2,239 |
| Noninterest expense to average assets | 3.2441% | 1,419 |
| Loan and lease loss provision to assets | 0.1025% | 1,823 |
| Net operating income to assets | 1.3174% | 1,712 |
| Return on assets (ROA) | 1.3174% | 1,770 |
| Pretax return on assets | 1.3174% | 2,492 |
| Return on Equity (ROE) | 14.1990% | 936 |
| Retained earnings to average equity (ytd only) | 5.9362% | 2,309 |
| Net charge-offs to loans | 0.0709% | 1,654 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 27.7087% | 1,529 |
| Efficiency ratio | 69.5562% | 2,300 |
| Assets per employee ($millions) | 4.9276% | 2,570 |
| Cash dividends to net income (ytd only)* | 58.1930% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,257 |
| Loan loss allowance to noncurrent loans | 220.1809% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 1,876 |
| Noncurrent loans to loans | 0.4843% | 2,831 |
| Net loans and leases to total assets | 71.2083% | 2,341 |
| Net loans and leases to deposits | 78.8626% | 3,075 |
| Net loans and leases to core deposits | 84.1496% | 3,093 |
| Total domestic deposits to total assets | 90.2941% | 246 |
| Equity capital to assets | 9.3055% | 4,572 |
| Core capital (leverage) ratio | 9.1936% | 4,467 |
| Tier 1 risk-based capital ratio | 12.4346% | 4,165 |
| Total risk-based capital ratio | 13.4819% | 4,149 |
| Memoranda: | ||
| Average total assets | $495,665,000 | 1,444 |
| Average earning assets | $456,340,670 | 1,453 |
| Average equity | $45,989,000 | 1,714 |
| Average total loans | $358,029,670 | 1,405 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 1,340 |
| Cost of funding earning assets | 0.6000% | 3,577 |
| Net interest margin | 4.3980% | 911 |
| Noninterest income to average assets | 0.4925% | 2,603 |
| Noninterest expense to average assets | 3.2957% | 1,291 |
| Loan and lease loss provision to assets | 0.1037% | 1,704 |
| Net operating income to assets | 1.1345% | 2,330 |
| Return on assets (ROA) | 1.1345% | 2,379 |
| Pretax return on assets | 1.1345% | 3,032 |
| Return on Equity (ROE) | 12.2462% | 1,451 |
| Retained earnings to average equity (ytd only) | 4.3113% | 3,198 |
| Net charge-offs to loans | 0.1964% | 712 |
| Credit loss provision to net charge-offs | 72.9885% | 1,830 |
| Earnings coverage of net charge-offs (x) | 8.7126% | 2,071 |
| Efficiency ratio | 72.6896% | 1,927 |
| Assets per employee ($millions) | 4.9292% | 2,611 |
| Cash dividends to net income (ytd only)* | 64.7948% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 3,495 |
| Loan loss allowance to noncurrent loans | 252.6137% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 1,985 |
| Noncurrent loans to loans | 0.4099% | 3,117 |
| Net loans and leases to total assets | 72.8808% | 2,009 |
| Net loans and leases to deposits | 80.8638% | 2,745 |
| Net loans and leases to core deposits | 86.6168% | 2,813 |
| Total domestic deposits to total assets | 90.1279% | 407 |
| Equity capital to assets | 9.3920% | 4,351 |
| Core capital (leverage) ratio | 9.3940% | 4,259 |
| Tier 1 risk-based capital ratio | 12.3452% | 4,270 |
| Total risk-based capital ratio | 13.3577% | 4,289 |
| Memoranda: | ||
| Average total assets | $489,728,000 | 1,467 |
| Average earning assets | $450,024,500 | 1,477 |
| Average equity | $45,369,000 | 1,721 |
| Average total loans | $354,392,000 | 1,423 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 2,101 |
| Cost of funding earning assets | 0.4500% | 3,680 |
| Net interest margin | 4.1637% | 1,493 |
| Noninterest income to average assets | 0.7186% | 1,778 |
| Noninterest expense to average assets | 3.2712% | 1,392 |
| Loan and lease loss provision to assets | 0.1032% | 2,130 |
| Net operating income to assets | 1.1874% | 2,230 |
| Return on assets (ROA) | 1.1874% | 2,228 |
| Pretax return on assets | 1.1874% | 2,920 |
| Return on Equity (ROE) | 13.1298% | 1,295 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,537 |
| Net charge-offs to loans | 0.1215% | 1,519 |
| Credit loss provision to net charge-offs | 124.8756% | 2,103 |
| Earnings coverage of net charge-offs (x) | 15.6144% | 2,314 |
| Efficiency ratio | 71.7074% | 1,944 |
| Assets per employee ($millions) | 4.9643% | 2,547 |
| Cash dividends to net income (ytd only)* | 71.7749% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,228 |
| Loan loss allowance to noncurrent loans | 120.8080% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 1,743 |
| Noncurrent loans to loans | 0.8926% | 1,804 |
| Net loans and leases to total assets | 70.3292% | 2,522 |
| Net loans and leases to deposits | 77.7168% | 3,201 |
| Net loans and leases to core deposits | 83.3910% | 3,140 |
| Total domestic deposits to total assets | 90.4942% | 323 |
| Equity capital to assets | 9.1372% | 4,460 |
| Core capital (leverage) ratio | 9.0946% | 4,563 |
| Tier 1 risk-based capital ratio | 12.5055% | 4,136 |
| Total risk-based capital ratio | 13.5554% | 4,117 |
| Memoranda: | ||
| Average total assets | $486,338,400 | 1,443 |
| Average earning assets | $448,901,000 | 1,451 |
| Average equity | $43,984,000 | 1,699 |
| Average total loans | $330,826,000 | 1,477 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 2,131 |
| Cost of funding earning assets | 0.4111% | 3,783 |
| Net interest margin | 4.1367% | 1,531 |
| Noninterest income to average assets | 0.7559% | 1,649 |
| Noninterest expense to average assets | 3.2477% | 1,414 |
| Loan and lease loss provision to assets | 0.1028% | 1,949 |
| Net operating income to assets | 1.2276% | 2,132 |
| Return on assets (ROA) | 1.2276% | 2,131 |
| Pretax return on assets | 1.2276% | 2,886 |
| Return on Equity (ROE) | 13.6092% | 1,233 |
| Retained earnings to average equity (ytd only) | 4.4216% | 3,542 |
| Net charge-offs to loans | 0.1700% | 974 |
| Credit loss provision to net charge-offs | 89.9038% | 2,426 |
| Earnings coverage of net charge-offs (x) | 11.6347% | 2,501 |
| Efficiency ratio | 70.9397% | 2,043 |
| Assets per employee ($millions) | 5.0223% | 2,440 |
| Cash dividends to net income (ytd only)* | 67.5101% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,286 |
| Loan loss allowance to noncurrent loans | 148.9117% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 2,237 |
| Noncurrent loans to loans | 0.7274% | 2,262 |
| Net loans and leases to total assets | 66.5953% | 3,113 |
| Net loans and leases to deposits | 73.6338% | 3,624 |
| Net loans and leases to core deposits | 78.8446% | 3,581 |
| Total domestic deposits to total assets | 90.4412% | 365 |
| Equity capital to assets | 8.9253% | 4,615 |
| Core capital (leverage) ratio | 8.9923% | 4,714 |
| Tier 1 risk-based capital ratio | 12.8216% | 4,005 |
| Total risk-based capital ratio | 13.8616% | 4,036 |
| Memoranda: | ||
| Average total assets | $485,056,500 | 1,449 |
| Average earning assets | $448,172,000 | 1,461 |
| Average equity | $43,753,500 | 1,708 |
| Average total loans | $326,179,500 | 1,499 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,239 |
| Cost of funding earning assets | 0.3808% | 3,864 |
| Net interest margin | 4.0749% | 1,627 |
| Noninterest income to average assets | 0.6075% | 2,285 |
| Noninterest expense to average assets | 3.2640% | 1,406 |
| Loan and lease loss provision to assets | 0.1027% | 1,890 |
| Net operating income to assets | 1.0050% | 2,994 |
| Return on assets (ROA) | 1.0050% | 2,996 |
| Pretax return on assets | 1.0050% | 3,647 |
| Return on Equity (ROE) | 11.1010% | 2,070 |
| Retained earnings to average equity (ytd only) | 2.4204% | 4,295 |
| Net charge-offs to loans | 0.0977% | 1,375 |
| Credit loss provision to net charge-offs | 156.3291% | 1,538 |
| Earnings coverage of net charge-offs (x) | 16.8608% | 1,983 |
| Efficiency ratio | 74.6624% | 1,616 |
| Assets per employee ($millions) | 4.8524% | 2,612 |
| Cash dividends to net income (ytd only)* | 78.1961% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,053 |
| Loan loss allowance to noncurrent loans | 218.9394% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,698 |
| Noncurrent loans to loans | 0.5196% | 2,861 |
| Net loans and leases to total assets | 66.6188% | 3,061 |
| Net loans and leases to deposits | 73.5769% | 3,572 |
| Net loans and leases to core deposits | 76.9307% | 3,667 |
| Total domestic deposits to total assets | 90.5430% | 387 |
| Equity capital to assets | 8.9081% | 4,635 |
| Core capital (leverage) ratio | 9.0970% | 4,591 |
| Tier 1 risk-based capital ratio | 12.6397% | 4,104 |
| Total risk-based capital ratio | 13.7245% | 4,096 |
| Memoranda: | ||
| Average total assets | $481,007,000 | 1,465 |
| Average earning assets | $444,325,670 | 1,471 |
| Average equity | $43,545,670 | 1,721 |
| Average total loans | $323,325,670 | 1,509 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,176 |
| Cost of funding earning assets | 0.3521% | 3,973 |
| Net interest margin | 4.0544% | 1,550 |
| Noninterest income to average assets | 0.5566% | 2,487 |
| Noninterest expense to average assets | 3.2447% | 1,468 |
| Loan and lease loss provision to assets | 0.0999% | 1,857 |
| Net operating income to assets | 0.9629% | 3,019 |
| Return on assets (ROA) | 0.9629% | 3,038 |
| Pretax return on assets | 0.9629% | 3,656 |
| Return on Equity (ROE) | 10.5497% | 2,151 |
| Retained earnings to average equity (ytd only) | 2.1338% | 4,311 |
| Net charge-offs to loans | 0.1188% | 1,072 |
| Credit loss provision to net charge-offs | 125.2632% | 1,356 |
| Earnings coverage of net charge-offs (x) | 13.3263% | 1,761 |
| Efficiency ratio | 75.3264% | 1,697 |
| Assets per employee ($millions) | 4.7228% | 2,826 |
| Cash dividends to net income (ytd only)* | 79.7733% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,212 |
| Loan loss allowance to noncurrent loans | 208.3521% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 2,701 |
| Noncurrent loans to loans | 0.5420% | 2,902 |
| Net loans and leases to total assets | 68.4389% | 2,712 |
| Net loans and leases to deposits | 75.7207% | 3,245 |
| Net loans and leases to core deposits | 79.0177% | 3,399 |
| Total domestic deposits to total assets | 90.3833% | 507 |
| Equity capital to assets | 9.1955% | 4,369 |
| Core capital (leverage) ratio | 9.1908% | 4,447 |
| Tier 1 risk-based capital ratio | 12.5865% | 4,185 |
| Total risk-based capital ratio | 13.6552% | 4,196 |
| Memoranda: | ||
| Average total assets | $476,464,000 | 1,486 |
| Average earning assets | $440,804,500 | 1,489 |
| Average equity | $43,489,500 | 1,726 |
| Average total loans | $319,863,000 | 1,520 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,192 |
| Cost of funding earning assets | 0.2846% | 4,276 |
| Net interest margin | 4.0623% | 1,558 |
| Noninterest income to average assets | 0.7132% | 1,904 |
| Noninterest expense to average assets | 3.1939% | 1,620 |
| Loan and lease loss provision to assets | 0.0658% | 2,890 |
| Net operating income to assets | 1.1930% | 1,543 |
| Return on assets (ROA) | 1.1954% | 1,563 |
| Pretax return on assets | 1.1954% | 2,787 |
| Return on Equity (ROE) | 12.8551% | 985 |
| Retained earnings to average equity (ytd only) | 2.6567% | 3,736 |
| Net charge-offs to loans | 0.1554% | 1,560 |
| Credit loss provision to net charge-offs | 62.2951% | 3,193 |
| Earnings coverage of net charge-offs (x) | 11.9139% | 2,523 |
| Efficiency ratio | 71.7287% | 2,267 |
| Assets per employee ($millions) | 4.6664% | 2,919 |
| Cash dividends to net income (ytd only)* | 79.3335% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,933 |
| Loan loss allowance to noncurrent loans | 175.0835% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 2,499 |
| Noncurrent loans to loans | 0.6697% | 2,538 |
| Net loans and leases to total assets | 64.3179% | 3,332 |
| Net loans and leases to deposits | 70.9434% | 3,798 |
| Net loans and leases to core deposits | 73.5855% | 3,908 |
| Total domestic deposits to total assets | 90.6609% | 348 |
| Equity capital to assets | 9.0608% | 4,656 |
| Core capital (leverage) ratio | 8.9418% | 4,714 |
| Tier 1 risk-based capital ratio | 13.1792% | 3,805 |
| Total risk-based capital ratio | 14.2969% | 3,780 |
| Memoranda: | ||
| Average total assets | $461,844,400 | 1,509 |
| Average earning assets | $425,153,800 | 1,517 |
| Average equity | $42,948,000 | 1,733 |
| Average total loans | $313,993,800 | 1,510 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,107 |
| Cost of funding earning assets | 0.2719% | 4,387 |
| Net interest margin | 4.0789% | 1,450 |
| Noninterest income to average assets | 0.7455% | 1,805 |
| Noninterest expense to average assets | 3.2596% | 1,436 |
| Loan and lease loss provision to assets | 0.0580% | 2,925 |
| Net operating income to assets | 1.1777% | 1,782 |
| Return on assets (ROA) | 1.1803% | 1,819 |
| Pretax return on assets | 1.1803% | 2,985 |
| Return on Equity (ROE) | 12.6079% | 1,145 |
| Retained earnings to average equity (ytd only) | 2.8568% | 4,204 |
| Net charge-offs to loans | -0.0496% | 5,160 |
| Credit loss provision to net charge-offs | -170.0855% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5102% | 2,138 |
| Assets per employee ($millions) | 4.6895% | 2,849 |
| Cash dividends to net income (ytd only)* | 77.3412% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,202 |
| Loan loss allowance to noncurrent loans | 124.4551% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 1,981 |
| Noncurrent loans to loans | 1.0698% | 1,803 |
| Net loans and leases to total assets | 63.9482% | 3,405 |
| Net loans and leases to deposits | 70.5855% | 3,912 |
| Net loans and leases to core deposits | 72.8053% | 4,081 |
| Total domestic deposits to total assets | 90.5967% | 297 |
| Equity capital to assets | 9.0131% | 4,904 |
| Core capital (leverage) ratio | 9.1816% | 4,533 |
| Tier 1 risk-based capital ratio | 13.1194% | 3,928 |
| Total risk-based capital ratio | 14.3696% | 3,832 |
| Memoranda: | ||
| Average total assets | $457,144,500 | 1,535 |
| Average earning assets | $420,264,500 | 1,547 |
| Average equity | $42,797,500 | 1,753 |
| Average total loans | $314,290,250 | 1,515 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 1,807 |
| Cost of funding earning assets | 0.2667% | 4,402 |
| Net interest margin | 4.1361% | 1,233 |
| Noninterest income to average assets | 0.7540% | 1,751 |
| Noninterest expense to average assets | 3.3212% | 1,334 |
| Loan and lease loss provision to assets | 0.0513% | 2,958 |
| Net operating income to assets | 1.1777% | 1,676 |
| Return on assets (ROA) | 1.1777% | 1,709 |
| Pretax return on assets | 1.1777% | 2,863 |
| Return on Equity (ROE) | 12.4131% | 1,185 |
| Retained earnings to average equity (ytd only) | 2.7778% | 4,043 |
| Net charge-offs to loans | -0.0750% | 5,322 |
| Credit loss provision to net charge-offs | -97.4576% | 4,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9910% | 2,187 |
| Assets per employee ($millions) | 4.6670% | 2,834 |
| Cash dividends to net income (ytd only)* | 77.6221% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,357 |
| Loan loss allowance to noncurrent loans | 184.2960% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 2,563 |
| Noncurrent loans to loans | 0.7112% | 2,621 |
| Net loans and leases to total assets | 66.5523% | 3,026 |
| Net loans and leases to deposits | 73.6701% | 3,582 |
| Net loans and leases to core deposits | 75.6705% | 3,803 |
| Total domestic deposits to total assets | 90.3383% | 414 |
| Equity capital to assets | 9.3589% | 4,554 |
| Core capital (leverage) ratio | 9.4853% | 4,143 |
| Tier 1 risk-based capital ratio | 13.0978% | 3,942 |
| Total risk-based capital ratio | 14.3478% | 3,854 |
| Memoranda: | ||
| Average total assets | $448,519,000 | 1,567 |
| Average earning assets | $411,641,670 | 1,572 |
| Average equity | $42,551,670 | 1,757 |
| Average total loans | $314,703,330 | 1,512 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 1,654 |
| Cost of funding earning assets | 0.2625% | 4,430 |
| Net interest margin | 4.1352% | 1,131 |
| Noninterest income to average assets | 0.7787% | 1,626 |
| Noninterest expense to average assets | 3.4869% | 1,064 |
| Loan and lease loss provision to assets | 0.0417% | 2,971 |
| Net operating income to assets | 1.0440% | 2,099 |
| Return on assets (ROA) | 1.0440% | 2,150 |
| Pretax return on assets | 1.0440% | 3,185 |
| Return on Equity (ROE) | 10.9271% | 1,594 |
| Retained earnings to average equity (ytd only) | 1.9239% | 4,356 |
| Net charge-offs to loans | -0.2239% | 5,638 |
| Credit loss provision to net charge-offs | -25.9887% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2574% | 1,873 |
| Assets per employee ($millions) | 4.4510% | 3,253 |
| Cash dividends to net income (ytd only)* | 82.3938% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,539 |
| Loan loss allowance to noncurrent loans | 377.0583% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 3,445 |
| Noncurrent loans to loans | 0.3447% | 3,866 |
| Net loans and leases to total assets | 70.2500% | 2,332 |
| Net loans and leases to deposits | 77.9301% | 2,976 |
| Net loans and leases to core deposits | 80.1499% | 3,282 |
| Total domestic deposits to total assets | 90.1448% | 603 |
| Equity capital to assets | 9.6260% | 4,157 |
| Core capital (leverage) ratio | 9.6640% | 3,909 |
| Tier 1 risk-based capital ratio | 12.9108% | 4,137 |
| Total risk-based capital ratio | 14.1545% | 4,042 |
| Memoranda: | ||
| Average total assets | $441,764,000 | 1,601 |
| Average earning assets | $405,304,000 | 1,610 |
| Average equity | $42,207,000 | 1,771 |
| Average total loans | $316,267,500 | 1,508 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 1,637 |
| Cost of funding earning assets | 0.2462% | 4,600 |
| Net interest margin | 4.2228% | 1,067 |
| Noninterest income to average assets | 0.9481% | 1,266 |
| Noninterest expense to average assets | 3.4606% | 1,232 |
| Loan and lease loss provision to assets | 0.3173% | 583 |
| Net operating income to assets | 1.0462% | 2,154 |
| Return on assets (ROA) | 1.0737% | 2,120 |
| Pretax return on assets | 1.0737% | 3,202 |
| Return on Equity (ROE) | 11.4447% | 1,422 |
| Retained earnings to average equity (ytd only) | 1.2425% | 4,788 |
| Net charge-offs to loans | 0.3938% | 677 |
| Credit loss provision to net charge-offs | 109.9598% | 2,381 |
| Earnings coverage of net charge-offs (x) | 4.7253% | 3,457 |
| Efficiency ratio | 71.7367% | 2,630 |
| Assets per employee ($millions) | 4.3419% | 3,376 |
| Cash dividends to net income (ytd only)* | 89.1431% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,955 |
| Loan loss allowance to noncurrent loans | 339.1681% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 3,459 |
| Noncurrent loans to loans | 0.3619% | 3,831 |
| Net loans and leases to total assets | 71.1231% | 2,319 |
| Net loans and leases to deposits | 78.7385% | 3,017 |
| Net loans and leases to core deposits | 80.6743% | 3,336 |
| Total domestic deposits to total assets | 90.3282% | 501 |
| Equity capital to assets | 9.4828% | 4,286 |
| Core capital (leverage) ratio | 9.4233% | 4,194 |
| Tier 1 risk-based capital ratio | 12.4842% | 4,382 |
| Total risk-based capital ratio | 13.6446% | 4,332 |
| Memoranda: | ||
| Average total assets | $431,483,200 | 1,575 |
| Average earning assets | $396,041,200 | 1,591 |
| Average equity | $40,481,600 | 1,832 |
| Average total loans | $316,174,600 | 1,464 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,592 |
| Cost of funding earning assets | 0.2422% | 4,678 |
| Net interest margin | 4.2422% | 1,042 |
| Noninterest income to average assets | 0.9892% | 1,168 |
| Noninterest expense to average assets | 3.4646% | 1,213 |
| Loan and lease loss provision to assets | 0.4010% | 364 |
| Net operating income to assets | 1.0193% | 2,336 |
| Return on assets (ROA) | 1.0560% | 2,293 |
| Pretax return on assets | 1.0560% | 3,404 |
| Return on Equity (ROE) | 11.2874% | 1,565 |
| Retained earnings to average equity (ytd only) | 1.2135% | 5,025 |
| Net charge-offs to loans | 0.3761% | 588 |
| Credit loss provision to net charge-offs | 144.8315% | 1,816 |
| Earnings coverage of net charge-offs (x) | 5.1303% | 3,171 |
| Efficiency ratio | 70.9246% | 2,757 |
| Assets per employee ($millions) | 4.5677% | 2,976 |
| Cash dividends to net income (ytd only)* | 89.2490% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,739 |
| Loan loss allowance to noncurrent loans | 570.5722% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 4,039 |
| Noncurrent loans to loans | 0.2262% | 4,459 |
| Net loans and leases to total assets | 70.8344% | 2,370 |
| Net loans and leases to deposits | 78.6227% | 3,118 |
| Net loans and leases to core deposits | 80.5173% | 3,396 |
| Total domestic deposits to total assets | 90.0940% | 451 |
| Equity capital to assets | 9.4889% | 4,669 |
| Core capital (leverage) ratio | 9.6136% | 4,037 |
| Tier 1 risk-based capital ratio | 12.3167% | 4,596 |
| Total risk-based capital ratio | 13.5457% | 4,513 |
| Memoranda: | ||
| Average total assets | $428,635,000 | 1,584 |
| Average earning assets | $393,618,500 | 1,596 |
| Average equity | $40,102,750 | 1,854 |
| Average total loans | $315,493,000 | 1,470 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,404 |
| Cost of funding earning assets | 0.2452% | 4,704 |
| Net interest margin | 4.2961% | 930 |
| Noninterest income to average assets | 1.0828% | 960 |
| Noninterest expense to average assets | 3.5620% | 1,065 |
| Loan and lease loss provision to assets | 0.5751% | 200 |
| Net operating income to assets | 0.8841% | 2,940 |
| Return on assets (ROA) | 0.9326% | 2,847 |
| Pretax return on assets | 0.9326% | 3,825 |
| Return on Equity (ROE) | 10.0186% | 2,044 |
| Retained earnings to average equity (ytd only) | 1.3889% | 4,824 |
| Net charge-offs to loans | 0.5927% | 354 |
| Credit loss provision to net charge-offs | 130.6695% | 1,767 |
| Earnings coverage of net charge-offs (x) | 3.3153% | 3,127 |
| Efficiency ratio | 70.9390% | 2,837 |
| Assets per employee ($millions) | 4.3258% | 3,324 |
| Cash dividends to net income (ytd only)* | 86.1366% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,955 |
| Loan loss allowance to noncurrent loans | 483.7292% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,699 |
| Noncurrent loans to loans | 0.2626% | 4,420 |
| Net loans and leases to total assets | 73.9147% | 1,859 |
| Net loans and leases to deposits | 82.4613% | 2,651 |
| Net loans and leases to core deposits | 84.5559% | 3,032 |
| Total domestic deposits to total assets | 89.6355% | 622 |
| Equity capital to assets | 10.0198% | 4,202 |
| Core capital (leverage) ratio | 9.9322% | 3,647 |
| Tier 1 risk-based capital ratio | 12.4851% | 4,539 |
| Total risk-based capital ratio | 13.6993% | 4,469 |
| Memoranda: | ||
| Average total assets | $420,780,000 | 1,613 |
| Average earning assets | $385,743,330 | 1,618 |
| Average equity | $39,167,330 | 1,893 |
| Average total loans | $312,490,330 | 1,479 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 1,662 |
| Cost of funding earning assets | 0.2462% | 4,744 |
| Net interest margin | 4.2006% | 1,098 |
| Noninterest income to average assets | 1.2977% | 652 |
| Noninterest expense to average assets | 3.5987% | 1,019 |
| Loan and lease loss provision to assets | 1.0809% | 86 |
| Net operating income to assets | 0.4633% | 4,767 |
| Return on assets (ROA) | 0.5611% | 4,468 |
| Pretax return on assets | 0.5611% | 4,922 |
| Return on Equity (ROE) | 6.2741% | 3,846 |
| Retained earnings to average equity (ytd only) | -1.2334% | 5,307 |
| Net charge-offs to loans | 0.1465% | 1,234 |
| Credit loss provision to net charge-offs | 997.3451% | 374 |
| Earnings coverage of net charge-offs (x) | 14.2478% | 1,707 |
| Efficiency ratio | 69.9739% | 3,134 |
| Assets per employee ($millions) | 4.2517% | 3,490 |
| Cash dividends to net income (ytd only)* | 119.6581% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,751 |
| Loan loss allowance to noncurrent loans | 119.1516% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 2,293 |
| Noncurrent loans to loans | 1.3089% | 1,834 |
| Net loans and leases to total assets | 72.7605% | 1,911 |
| Net loans and leases to deposits | 80.1405% | 2,774 |
| Net loans and leases to core deposits | 82.2044% | 3,113 |
| Total domestic deposits to total assets | 90.7912% | 330 |
| Equity capital to assets | 8.9484% | 5,218 |
| Core capital (leverage) ratio | 8.8266% | 5,055 |
| Tier 1 risk-based capital ratio | 11.3087% | 5,338 |
| Total risk-based capital ratio | 12.5616% | 5,240 |
| Memoranda: | ||
| Average total assets | $417,044,000 | 1,622 |
| Average earning assets | $381,753,000 | 1,641 |
| Average equity | $37,296,000 | 1,970 |
| Average total loans | $308,428,500 | 1,489 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 1,779 |
| Cost of funding earning assets | 0.2634% | 4,661 |
| Net interest margin | 4.1743% | 1,220 |
| Noninterest income to average assets | 1.0852% | 1,000 |
| Noninterest expense to average assets | 3.6348% | 1,061 |
| Loan and lease loss provision to assets | 0.1275% | 1,896 |
| Net operating income to assets | 1.1334% | 1,796 |
| Return on assets (ROA) | 1.1463% | 1,814 |
| Pretax return on assets | 1.1463% | 2,860 |
| Return on Equity (ROE) | 12.6149% | 1,150 |
| Retained earnings to average equity (ytd only) | 2.6240% | 4,200 |
| Net charge-offs to loans | 0.0516% | 3,169 |
| Credit loss provision to net charge-offs | 345.2703% | 865 |
| Earnings coverage of net charge-offs (x) | 34.1554% | 1,324 |
| Efficiency ratio | 74.2460% | 2,542 |
| Assets per employee ($millions) | 4.3481% | 3,308 |
| Cash dividends to net income (ytd only)* | 79.1993% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 3,308 |
| Loan loss allowance to noncurrent loans | 103.6379% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 2,478 |
| Noncurrent loans to loans | 1.1836% | 1,991 |
| Net loans and leases to total assets | 73.0907% | 1,875 |
| Net loans and leases to deposits | 80.4014% | 2,782 |
| Net loans and leases to core deposits | 82.1418% | 3,132 |
| Total domestic deposits to total assets | 90.9073% | 304 |
| Equity capital to assets | 8.9375% | 5,183 |
| Core capital (leverage) ratio | 8.6622% | 5,262 |
| Tier 1 risk-based capital ratio | 11.2592% | 5,395 |
| Total risk-based capital ratio | 12.4246% | 5,333 |
| Memoranda: | ||
| Average total assets | $400,929,600 | 1,646 |
| Average earning assets | $365,974,200 | 1,656 |
| Average equity | $36,433,000 | 1,957 |
| Average total loans | $287,027,000 | 1,522 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 1,844 |
| Cost of funding earning assets | 0.2628% | 4,747 |
| Net interest margin | 4.1590% | 1,256 |
| Noninterest income to average assets | 1.1653% | 881 |
| Noninterest expense to average assets | 3.6786% | 1,011 |
| Loan and lease loss provision to assets | 0.0995% | 2,187 |
| Net operating income to assets | 1.1834% | 1,704 |
| Return on assets (ROA) | 1.2009% | 1,714 |
| Pretax return on assets | 1.2009% | 2,817 |
| Return on Equity (ROE) | 13.1583% | 1,092 |
| Retained earnings to average equity (ytd only) | 1.7451% | 5,004 |
| Net charge-offs to loans | 0.0573% | 2,782 |
| Credit loss provision to net charge-offs | 244.6281% | 1,155 |
| Earnings coverage of net charge-offs (x) | 31.5536% | 1,454 |
| Efficiency ratio | 74.1433% | 2,531 |
| Assets per employee ($millions) | 4.2752% | 3,371 |
| Cash dividends to net income (ytd only)* | 86.7376% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 3,684 |
| Loan loss allowance to noncurrent loans | 104.8631% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 2,801 |
| Noncurrent loans to loans | 1.1403% | 2,230 |
| Net loans and leases to total assets | 71.7543% | 2,101 |
| Net loans and leases to deposits | 79.0598% | 2,985 |
| Net loans and leases to core deposits | 80.7890% | 3,363 |
| Total domestic deposits to total assets | 90.7596% | 321 |
| Equity capital to assets | 8.8266% | 5,465 |
| Core capital (leverage) ratio | 8.8282% | 5,206 |
| Tier 1 risk-based capital ratio | 11.2410% | 5,528 |
| Total risk-based capital ratio | 12.3616% | 5,490 |
| Memoranda: | ||
| Average total assets | $396,806,750 | 1,677 |
| Average earning assets | $362,195,000 | 1,685 |
| Average equity | $36,214,500 | 1,983 |
| Average total loans | $281,562,500 | 1,551 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 1,802 |
| Cost of funding earning assets | 0.2611% | 4,819 |
| Net interest margin | 4.1552% | 1,215 |
| Noninterest income to average assets | 1.2997% | 720 |
| Noninterest expense to average assets | 3.6874% | 1,003 |
| Loan and lease loss provision to assets | 0.0670% | 2,777 |
| Net operating income to assets | 1.3315% | 1,236 |
| Return on assets (ROA) | 1.3581% | 1,215 |
| Pretax return on assets | 1.3581% | 2,153 |
| Return on Equity (ROE) | 14.7097% | 783 |
| Retained earnings to average equity (ytd only) | 1.6849% | 4,853 |
| Net charge-offs to loans | 0.0458% | 2,780 |
| Credit loss provision to net charge-offs | 207.9365% | 1,197 |
| Earnings coverage of net charge-offs (x) | 43.3810% | 1,067 |
| Efficiency ratio | 72.5023% | 2,932 |
| Assets per employee ($millions) | 4.3057% | 3,293 |
| Cash dividends to net income (ytd only)* | 88.5456% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 3,648 |
| Loan loss allowance to noncurrent loans | 104.4232% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 2,909 |
| Noncurrent loans to loans | 1.1720% | 2,308 |
| Net loans and leases to total assets | 69.6738% | 2,367 |
| Net loans and leases to deposits | 76.7783% | 3,182 |
| Net loans and leases to core deposits | 78.7161% | 3,509 |
| Total domestic deposits to total assets | 90.7468% | 376 |
| Equity capital to assets | 8.9261% | 5,309 |
| Core capital (leverage) ratio | 9.0325% | 4,918 |
| Tier 1 risk-based capital ratio | 11.6242% | 5,389 |
| Total risk-based capital ratio | 12.7538% | 5,383 |
| Memoranda: | ||
| Average total assets | $390,845,670 | 1,702 |
| Average earning assets | $356,128,330 | 1,718 |
| Average equity | $36,085,000 | 1,994 |
| Average total loans | $275,030,330 | 1,600 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 1,827 |
| Cost of funding earning assets | 0.2597% | 4,907 |
| Net interest margin | 4.1233% | 1,220 |
| Noninterest income to average assets | 1.3076% | 671 |
| Noninterest expense to average assets | 3.6655% | 1,048 |
| Loan and lease loss provision to assets | 0.0667% | 2,603 |
| Net operating income to assets | 1.3306% | 1,183 |
| Return on assets (ROA) | 1.3306% | 1,262 |
| Pretax return on assets | 1.3306% | 2,154 |
| Return on Equity (ROE) | 14.1637% | 845 |
| Retained earnings to average equity (ytd only) | -0.2551% | 5,423 |
| Net charge-offs to loans | 0.0208% | 2,731 |
| Credit loss provision to net charge-offs | 457.1429% | 589 |
| Earnings coverage of net charge-offs (x) | 95.7857% | 512 |
| Efficiency ratio | 72.4017% | 3,106 |
| Assets per employee ($millions) | 4.5188% | 3,028 |
| Cash dividends to net income (ytd only)* | 101.8011% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 3,626 |
| Loan loss allowance to noncurrent loans | 117.9505% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 3,244 |
| Noncurrent loans to loans | 1.0692% | 2,625 |
| Net loans and leases to total assets | 69.2276% | 2,247 |
| Net loans and leases to deposits | 76.4292% | 3,002 |
| Net loans and leases to core deposits | 78.3534% | 3,339 |
| Total domestic deposits to total assets | 90.5775% | 502 |
| Equity capital to assets | 9.1967% | 5,088 |
| Core capital (leverage) ratio | 9.4535% | 4,347 |
| Tier 1 risk-based capital ratio | 11.2081% | 5,709 |
| Total risk-based capital ratio | 12.3017% | 5,707 |
| Memoranda: | ||
| Average total assets | $383,900,500 | 1,740 |
| Average earning assets | $349,622,500 | 1,759 |
| Average equity | $36,064,000 | 2,010 |
| Average total loans | $269,801,000 | 1,626 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 2,435 |
| Cost of funding earning assets | 0.2605% | 5,219 |
| Net interest margin | 4.0849% | 1,627 |
| Noninterest income to average assets | 1.2622% | 758 |
| Noninterest expense to average assets | 3.6405% | 1,231 |
| Loan and lease loss provision to assets | 0.1155% | 2,245 |
| Net operating income to assets | 1.1868% | 1,628 |
| Return on assets (ROA) | 1.1886% | 1,691 |
| Pretax return on assets | 1.1886% | 2,695 |
| Return on Equity (ROE) | 13.2882% | 1,079 |
| Retained earnings to average equity (ytd only) | 4.8045% | 2,754 |
| Net charge-offs to loans | 0.0425% | 3,971 |
| Credit loss provision to net charge-offs | 421.9048% | 617 |
| Earnings coverage of net charge-offs (x) | 47.5619% | 965 |
| Efficiency ratio | 73.6520% | 2,890 |
| Assets per employee ($millions) | 4.3078% | 3,352 |
| Cash dividends to net income (ytd only)* | 63.8438% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 3,434 |
| Loan loss allowance to noncurrent loans | 114.5053% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 3,213 |
| Noncurrent loans to loans | 1.1335% | 2,571 |
| Net loans and leases to total assets | 69.5201% | 2,305 |
| Net loans and leases to deposits | 77.0393% | 3,082 |
| Net loans and leases to core deposits | 78.6441% | 3,449 |
| Total domestic deposits to total assets | 90.2397% | 637 |
| Equity capital to assets | 9.6268% | 4,557 |
| Core capital (leverage) ratio | 9.1417% | 4,765 |
| Tier 1 risk-based capital ratio | 12.7107% | 4,913 |
| Total risk-based capital ratio | 13.9286% | 4,846 |
| Memoranda: | ||
| Average total assets | $383,464,200 | 1,711 |
| Average earning assets | $345,518,400 | 1,732 |
| Average equity | $34,301,200 | 2,030 |
| Average total loans | $247,344,800 | 1,704 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,703 |
| Cost of funding earning assets | 0.2486% | 5,425 |
| Net interest margin | 4.0336% | 1,778 |
| Noninterest income to average assets | 1.1423% | 920 |
| Noninterest expense to average assets | 3.5791% | 1,329 |
| Loan and lease loss provision to assets | 0.1144% | 2,145 |
| Net operating income to assets | 1.1008% | 2,026 |
| Return on assets (ROA) | 1.1033% | 2,082 |
| Pretax return on assets | 1.1033% | 3,173 |
| Return on Equity (ROE) | 12.5664% | 1,331 |
| Retained earnings to average equity (ytd only) | 3.5285% | 4,130 |
| Net charge-offs to loans | 0.0554% | 3,427 |
| Credit loss provision to net charge-offs | 327.7228% | 853 |
| Earnings coverage of net charge-offs (x) | 34.8028% | 1,243 |
| Efficiency ratio | 74.6521% | 2,707 |
| Assets per employee ($millions) | 4.9342% | 2,324 |
| Cash dividends to net income (ytd only)* | 71.9210% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,376 |
| Loan loss allowance to noncurrent loans | 2,370.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 4,988 |
| Noncurrent loans to loans | 0.0572% | 5,786 |
| Net loans and leases to total assets | 58.2959% | 4,029 |
| Net loans and leases to deposits | 64.0117% | 4,535 |
| Net loans and leases to core deposits | 65.3163% | 4,768 |
| Total domestic deposits to total assets | 91.0706% | 346 |
| Equity capital to assets | 8.4409% | 5,841 |
| Core capital (leverage) ratio | 8.6459% | 5,502 |
| Tier 1 risk-based capital ratio | 13.2866% | 4,678 |
| Total risk-based capital ratio | 14.5369% | 4,616 |
| Memoranda: | ||
| Average total assets | $385,636,500 | 1,705 |
| Average earning assets | $349,158,250 | 1,722 |
| Average equity | $33,856,750 | 2,060 |
| Average total loans | $243,188,500 | 1,746 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,377 |
| Cost of funding earning assets | 0.2501% | 5,484 |
| Net interest margin | 4.1017% | 1,507 |
| Noninterest income to average assets | 1.0260% | 1,131 |
| Noninterest expense to average assets | 3.6386% | 1,227 |
| Loan and lease loss provision to assets | 0.1165% | 2,094 |
| Net operating income to assets | 0.9691% | 2,456 |
| Return on assets (ROA) | 0.9707% | 2,534 |
| Pretax return on assets | 0.9707% | 3,608 |
| Return on Equity (ROE) | 10.9018% | 1,770 |
| Retained earnings to average equity (ytd only) | 2.6583% | 4,512 |
| Net charge-offs to loans | 0.0717% | 2,990 |
| Credit loss provision to net charge-offs | 251.7241% | 982 |
| Earnings coverage of net charge-offs (x) | 23.4598% | 1,468 |
| Efficiency ratio | 77.0209% | 2,450 |
| Assets per employee ($millions) | 4.6723% | 2,663 |
| Cash dividends to net income (ytd only)* | 75.6164% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 3,775 |
| Loan loss allowance to noncurrent loans | 1,219.6970% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 4,681 |
| Noncurrent loans to loans | 0.1078% | 5,690 |
| Net loans and leases to total assets | 60.1371% | 3,692 |
| Net loans and leases to deposits | 66.0966% | 4,260 |
| Net loans and leases to core deposits | 67.3679% | 4,518 |
| Total domestic deposits to total assets | 90.9837% | 421 |
| Equity capital to assets | 8.5400% | 5,770 |
| Core capital (leverage) ratio | 8.8862% | 5,185 |
| Tier 1 risk-based capital ratio | 13.3003% | 4,719 |
| Total risk-based capital ratio | 14.5398% | 4,668 |
| Memoranda: | ||
| Average total assets | $376,024,670 | 1,747 |
| Average earning assets | $339,034,000 | 1,775 |
| Average equity | $33,480,670 | 2,070 |
| Average total loans | $242,605,330 | 1,741 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,688 |
| Cost of funding earning assets | 0.2577% | 5,515 |
| Net interest margin | 4.2787% | 1,043 |
| Noninterest income to average assets | 1.1544% | 833 |
| Noninterest expense to average assets | 3.7617% | 1,039 |
| Loan and lease loss provision to assets | 0.1201% | 1,993 |
| Net operating income to assets | 1.1137% | 1,758 |
| Return on assets (ROA) | 1.1137% | 1,819 |
| Pretax return on assets | 1.1137% | 2,837 |
| Return on Equity (ROE) | 12.2310% | 1,364 |
| Retained earnings to average equity (ytd only) | 4.9723% | 3,124 |
| Net charge-offs to loans | 0.0828% | 2,317 |
| Credit loss provision to net charge-offs | 218.0000% | 981 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,255 |
| Efficiency ratio | 75.2811% | 2,910 |
| Assets per employee ($millions) | 4.2772% | 3,387 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,045 |
| Loan loss allowance to noncurrent loans | 493.2602% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 4,415 |
| Noncurrent loans to loans | 0.2665% | 5,305 |
| Net loans and leases to total assets | 63.4869% | 2,980 |
| Net loans and leases to deposits | 69.9476% | 3,606 |
| Net loans and leases to core deposits | 71.4638% | 3,925 |
| Total domestic deposits to total assets | 90.7636% | 659 |
| Equity capital to assets | 9.0373% | 5,074 |
| Core capital (leverage) ratio | 9.4946% | 4,284 |
| Tier 1 risk-based capital ratio | 13.3078% | 4,824 |
| Total risk-based capital ratio | 14.5211% | 4,777 |
| Memoranda: | ||
| Average total assets | $363,129,500 | 1,808 |
| Average earning assets | $325,987,500 | 1,850 |
| Average equity | $33,063,500 | 2,083 |
| Average total loans | $241,478,000 | 1,751 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 2,180 |
| Cost of funding earning assets | 0.2911% | 5,666 |
| Net interest margin | 4.2155% | 1,312 |
| Noninterest income to average assets | 1.6615% | 522 |
| Noninterest expense to average assets | 4.0534% | 822 |
| Loan and lease loss provision to assets | 0.1696% | 2,160 |
| Net operating income to assets | 1.2184% | 1,495 |
| Return on assets (ROA) | 1.3126% | 1,257 |
| Pretax return on assets | 1.3126% | 2,101 |
| Return on Equity (ROE) | 14.3775% | 875 |
| Retained earnings to average equity (ytd only) | 4.9079% | 2,664 |
| Net charge-offs to loans | 0.0952% | 3,894 |
| Credit loss provision to net charge-offs | 283.3333% | 801 |
| Earnings coverage of net charge-offs (x) | 23.1898% | 1,419 |
| Efficiency ratio | 74.4869% | 3,048 |
| Assets per employee ($millions) | 4.0244% | 3,816 |
| Cash dividends to net income (ytd only)* | 65.8645% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,308 |
| Loan loss allowance to noncurrent loans | 496.4630% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 4,435 |
| Noncurrent loans to loans | 0.2554% | 5,412 |
| Net loans and leases to total assets | 67.9036% | 2,374 |
| Net loans and leases to deposits | 74.8772% | 3,117 |
| Net loans and leases to core deposits | 76.6273% | 3,541 |
| Total domestic deposits to total assets | 90.6866% | 710 |
| Equity capital to assets | 9.1764% | 4,835 |
| Core capital (leverage) ratio | 8.9730% | 5,046 |
| Tier 1 risk-based capital ratio | 13.0314% | 4,948 |
| Total risk-based capital ratio | 14.2112% | 4,957 |
| Memoranda: | ||
| Average total assets | $360,880,400 | 1,798 |
| Average earning assets | $323,590,200 | 1,836 |
| Average equity | $32,947,200 | 2,083 |
| Average total loans | $226,797,400 | 1,805 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 2,466 |
| Cost of funding earning assets | 0.2926% | 5,791 |
| Net interest margin | 4.1453% | 1,498 |
| Noninterest income to average assets | 1.8556% | 461 |
| Noninterest expense to average assets | 4.0819% | 785 |
| Loan and lease loss provision to assets | 0.1692% | 2,147 |
| Net operating income to assets | 1.3242% | 1,281 |
| Return on assets (ROA) | 1.4357% | 1,073 |
| Pretax return on assets | 1.4357% | 1,814 |
| Return on Equity (ROE) | 15.7449% | 676 |
| Retained earnings to average equity (ytd only) | 6.0657% | 2,367 |
| Net charge-offs to loans | 0.0886% | 3,684 |
| Credit loss provision to net charge-offs | 310.8108% | 821 |
| Earnings coverage of net charge-offs (x) | 27.4390% | 1,309 |
| Efficiency ratio | 73.2076% | 3,189 |
| Assets per employee ($millions) | 4.2041% | 3,416 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,683 |
| Loan loss allowance to noncurrent loans | 4,693.7500% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 5,203 |
| Noncurrent loans to loans | 0.0265% | 6,274 |
| Net loans and leases to total assets | 62.3902% | 3,288 |
| Net loans and leases to deposits | 68.4235% | 4,015 |
| Net loans and leases to core deposits | 69.4994% | 4,371 |
| Total domestic deposits to total assets | 91.1823% | 466 |
| Equity capital to assets | 8.4075% | 5,827 |
| Core capital (leverage) ratio | 9.2049% | 4,826 |
| Tier 1 risk-based capital ratio | 13.1450% | 5,019 |
| Total risk-based capital ratio | 14.3067% | 5,039 |
| Memoranda: | ||
| Average total assets | $362,564,000 | 1,801 |
| Average earning assets | $325,342,500 | 1,834 |
| Average equity | $33,059,500 | 2,104 |
| Average total loans | $222,605,250 | 1,840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 2,253 |
| Cost of funding earning assets | 0.3009% | 5,824 |
| Net interest margin | 4.1843% | 1,319 |
| Noninterest income to average assets | 1.8309% | 506 |
| Noninterest expense to average assets | 4.2468% | 659 |
| Loan and lease loss provision to assets | 0.1725% | 2,180 |
| Net operating income to assets | 1.1543% | 1,722 |
| Return on assets (ROA) | 1.3251% | 1,339 |
| Pretax return on assets | 1.3251% | 2,210 |
| Return on Equity (ROE) | 14.1377% | 979 |
| Retained earnings to average equity (ytd only) | 4.8445% | 3,152 |
| Net charge-offs to loans | 0.0231% | 4,376 |
| Credit loss provision to net charge-offs | 1,228.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 94.4400% | 494 |
| Efficiency ratio | 76.1847% | 2,755 |
| Assets per employee ($millions) | 4.1877% | 3,383 |
| Cash dividends to net income (ytd only)* | 65.7337% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 4,258 |
| Loan loss allowance to noncurrent loans | 1,310.1322% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 5,027 |
| Noncurrent loans to loans | 0.1032% | 6,088 |
| Net loans and leases to total assets | 62.4186% | 3,216 |
| Net loans and leases to deposits | 69.3102% | 3,811 |
| Net loans and leases to core deposits | 70.4316% | 4,222 |
| Total domestic deposits to total assets | 90.0569% | 994 |
| Equity capital to assets | 9.2647% | 4,906 |
| Core capital (leverage) ratio | 9.3329% | 4,487 |
| Tier 1 risk-based capital ratio | 14.0294% | 4,404 |
| Total risk-based capital ratio | 15.2825% | 4,360 |
| Memoranda: | ||
| Average total assets | $355,894,330 | 1,833 |
| Average earning assets | $318,329,670 | 1,880 |
| Average equity | $33,357,670 | 2,089 |
| Average total loans | $216,243,000 | 1,894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,745 |
| Cost of funding earning assets | 0.3071% | 5,918 |
| Net interest margin | 4.0282% | 1,684 |
| Noninterest income to average assets | 1.3409% | 857 |
| Noninterest expense to average assets | 4.1438% | 760 |
| Loan and lease loss provision to assets | 0.1711% | 2,152 |
| Net operating income to assets | 0.6255% | 4,098 |
| Return on assets (ROA) | 0.9610% | 2,528 |
| Pretax return on assets | 0.9610% | 3,518 |
| Return on Equity (ROE) | 10.1958% | 1,997 |
| Retained earnings to average equity (ytd only) | 5.0095% | 3,221 |
| Net charge-offs to loans | 0.0056% | 4,049 |
| Credit loss provision to net charge-offs | 5,133.3333% | 51 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 165 |
| Efficiency ratio | 83.8543% | 1,787 |
| Assets per employee ($millions) | 4.3480% | 3,246 |
| Cash dividends to net income (ytd only)* | 50.8671% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 4,785 |
| Loan loss allowance to noncurrent loans | 6,180.4348% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 5,233 |
| Noncurrent loans to loans | 0.0208% | 6,433 |
| Net loans and leases to total assets | 59.9175% | 3,441 |
| Net loans and leases to deposits | 66.2155% | 4,021 |
| Net loans and leases to core deposits | 67.2283% | 4,391 |
| Total domestic deposits to total assets | 90.4886% | 775 |
| Equity capital to assets | 9.2730% | 5,170 |
| Core capital (leverage) ratio | 9.2426% | 4,490 |
| Tier 1 risk-based capital ratio | 14.1965% | 4,368 |
| Total risk-based capital ratio | 15.4227% | 4,345 |
| Memoranda: | ||
| Average total assets | $360,052,000 | 1,836 |
| Average earning assets | $321,731,000 | 1,879 |
| Average equity | $33,935,500 | 2,078 |
| Average total loans | $214,400,500 | 1,914 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 3,669 |
| Cost of funding earning assets | 0.3726% | 6,090 |
| Net interest margin | 4.0649% | 2,134 |
| Noninterest income to average assets | 1.6391% | 589 |
| Noninterest expense to average assets | 4.1793% | 788 |
| Loan and lease loss provision to assets | 0.0512% | 5,173 |
| Net operating income to assets | 1.0061% | 2,309 |
| Return on assets (ROA) | 1.2473% | 1,615 |
| Pretax return on assets | 1.2473% | 2,611 |
| Return on Equity (ROE) | 12.5353% | 1,351 |
| Retained earnings to average equity (ytd only) | 4.1745% | 3,291 |
| Net charge-offs to loans | 0.0877% | 4,801 |
| Credit loss provision to net charge-offs | 102.9586% | 2,917 |
| Earnings coverage of net charge-offs (x) | 21.2663% | 1,310 |
| Efficiency ratio | 79.5573% | 2,201 |
| Assets per employee ($millions) | 4.6693% | 2,681 |
| Cash dividends to net income (ytd only)* | 66.6981% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,637 |
| Loan loss allowance to noncurrent loans | 589.0591% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 4,826 |
| Noncurrent loans to loans | 0.2206% | 5,923 |
| Net loans and leases to total assets | 57.6062% | 4,045 |
| Net loans and leases to deposits | 63.8025% | 4,558 |
| Net loans and leases to core deposits | 65.2558% | 4,812 |
| Total domestic deposits to total assets | 90.2883% | 808 |
| Equity capital to assets | 9.5818% | 4,773 |
| Core capital (leverage) ratio | 9.1260% | 4,695 |
| Tier 1 risk-based capital ratio | 14.2126% | 4,235 |
| Total risk-based capital ratio | 15.3902% | 4,240 |
| Memoranda: | ||
| Average total assets | $339,937,800 | 1,906 |
| Average earning assets | $300,842,400 | 1,963 |
| Average equity | $33,824,400 | 2,037 |
| Average total loans | $192,788,000 | 2,071 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 3,828 |
| Cost of funding earning assets | 0.3814% | 6,218 |
| Net interest margin | 4.0689% | 2,210 |
| Noninterest income to average assets | 1.5637% | 606 |
| Noninterest expense to average assets | 4.1113% | 814 |
| Loan and lease loss provision to assets | 0.0642% | 4,906 |
| Net operating income to assets | 0.9891% | 2,565 |
| Return on assets (ROA) | 1.2623% | 1,697 |
| Pretax return on assets | 1.2623% | 2,741 |
| Return on Equity (ROE) | 12.5634% | 1,442 |
| Retained earnings to average equity (ytd only) | 4.3615% | 3,821 |
| Net charge-offs to loans | 0.1099% | 4,292 |
| Credit loss provision to net charge-offs | 103.8462% | 2,838 |
| Earnings coverage of net charge-offs (x) | 17.0260% | 1,644 |
| Efficiency ratio | 79.3442% | 2,193 |
| Assets per employee ($millions) | 4.4568% | 2,985 |
| Cash dividends to net income (ytd only)* | 65.2844% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,452 |
| Loan loss allowance to noncurrent loans | 2,805.2083% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 5,182 |
| Noncurrent loans to loans | 0.0493% | 6,493 |
| Net loans and leases to total assets | 55.2736% | 4,558 |
| Net loans and leases to deposits | 61.7283% | 4,998 |
| Net loans and leases to core deposits | 62.9228% | 5,269 |
| Total domestic deposits to total assets | 89.5434% | 1,098 |
| Equity capital to assets | 9.8586% | 4,697 |
| Core capital (leverage) ratio | 9.4279% | 4,376 |
| Tier 1 risk-based capital ratio | 15.3531% | 3,620 |
| Total risk-based capital ratio | 16.6035% | 3,575 |
| Memoranda: | ||
| Average total assets | $336,204,750 | 1,941 |
| Average earning assets | $297,531,000 | 2,008 |
| Average equity | $33,779,750 | 2,057 |
| Average total loans | $189,205,250 | 2,124 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 4,004 |
| Cost of funding earning assets | 0.3893% | 6,333 |
| Net interest margin | 4.0555% | 2,266 |
| Noninterest income to average assets | 1.5337% | 626 |
| Noninterest expense to average assets | 4.1300% | 803 |
| Loan and lease loss provision to assets | 0.0662% | 4,809 |
| Net operating income to assets | 0.9164% | 2,826 |
| Return on assets (ROA) | 1.3309% | 1,513 |
| Pretax return on assets | 1.3309% | 2,449 |
| Return on Equity (ROE) | 13.1604% | 1,322 |
| Retained earnings to average equity (ytd only) | 5.5569% | 2,956 |
| Net charge-offs to loans | 0.0480% | 4,724 |
| Credit loss provision to net charge-offs | 244.4444% | 1,176 |
| Earnings coverage of net charge-offs (x) | 36.2889% | 948 |
| Efficiency ratio | 80.5108% | 2,099 |
| Assets per employee ($millions) | 4.2511% | 3,360 |
| Cash dividends to net income (ytd only)* | 57.7758% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 4,433 |
| Loan loss allowance to noncurrent loans | 296.2325% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 4,718 |
| Noncurrent loans to loans | 0.4753% | 5,580 |
| Net loans and leases to total assets | 58.1157% | 4,138 |
| Net loans and leases to deposits | 65.1208% | 4,626 |
| Net loans and leases to core deposits | 66.5680% | 4,933 |
| Total domestic deposits to total assets | 89.2429% | 1,362 |
| Equity capital to assets | 10.2227% | 4,030 |
| Core capital (leverage) ratio | 9.7751% | 3,749 |
| Tier 1 risk-based capital ratio | 15.3324% | 3,554 |
| Total risk-based capital ratio | 16.5835% | 3,512 |
| Memoranda: | ||
| Average total assets | $332,397,330 | 1,958 |
| Average earning assets | $293,327,000 | 2,024 |
| Average equity | $33,616,000 | 2,058 |
| Average total loans | $187,327,330 | 2,138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 4,214 |
| Cost of funding earning assets | 0.4016% | 6,406 |
| Net interest margin | 4.0254% | 2,397 |
| Noninterest income to average assets | 1.5637% | 590 |
| Noninterest expense to average assets | 4.2572% | 694 |
| Loan and lease loss provision to assets | 0.0661% | 4,589 |
| Net operating income to assets | 0.7824% | 3,463 |
| Return on assets (ROA) | 1.1683% | 2,014 |
| Pretax return on assets | 1.1683% | 3,034 |
| Return on Equity (ROE) | 11.6145% | 1,803 |
| Retained earnings to average equity (ytd only) | 4.1822% | 4,081 |
| Net charge-offs to loans | 0.0960% | 3,567 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 16.0455% | 1,388 |
| Efficiency ratio | 83.1215% | 1,784 |
| Assets per employee ($millions) | 4.4735% | 3,042 |
| Cash dividends to net income (ytd only)* | 63.9918% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,376 |
| Loan loss allowance to noncurrent loans | 174.9676% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.9752% | 2,938 |
| Noncurrent loans to loans | 0.8283% | 5,014 |
| Net loans and leases to total assets | 54.6826% | 4,605 |
| Net loans and leases to deposits | 61.0463% | 5,038 |
| Net loans and leases to core deposits | 62.6400% | 5,259 |
| Total domestic deposits to total assets | 89.5755% | 1,321 |
| Equity capital to assets | 9.9827% | 4,140 |
| Core capital (leverage) ratio | 9.3922% | 4,205 |
| Tier 1 risk-based capital ratio | 15.4356% | 3,481 |
| Total risk-based capital ratio | 16.6865% | 3,451 |
| Memoranda: | ||
| Average total assets | $332,803,500 | 1,957 |
| Average earning assets | $292,839,500 | 2,039 |
| Average equity | $33,475,500 | 2,071 |
| Average total loans | $183,263,500 | 2,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 4,029 |
| Cost of funding earning assets | 0.5553% | 6,316 |
| Net interest margin | 4.1951% | 2,081 |
| Noninterest income to average assets | 1.4564% | 610 |
| Noninterest expense to average assets | 4.1519% | 859 |
| Loan and lease loss provision to assets | 0.2475% | 3,733 |
| Net operating income to assets | 0.7269% | 3,346 |
| Return on assets (ROA) | 0.7822% | 3,289 |
| Pretax return on assets | 0.7822% | 4,044 |
| Return on Equity (ROE) | 8.0310% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.2041% | 2,506 |
| Net charge-offs to loans | 0.1539% | 4,909 |
| Credit loss provision to net charge-offs | 282.4818% | 841 |
| Earnings coverage of net charge-offs (x) | 11.1204% | 1,753 |
| Efficiency ratio | 80.7112% | 2,201 |
| Assets per employee ($millions) | 4.2320% | 3,411 |
| Cash dividends to net income (ytd only)* | 35.2003% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 4,075 |
| Loan loss allowance to noncurrent loans | 3,838.5714% | 136 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 3,567 |
| Noncurrent loans to loans | 0.0388% | 6,730 |
| Net loans and leases to total assets | 53.8255% | 5,060 |
| Net loans and leases to deposits | 59.9968% | 5,483 |
| Net loans and leases to core deposits | 61.6166% | 5,690 |
| Total domestic deposits to total assets | 89.7140% | 1,151 |
| Equity capital to assets | 10.1358% | 3,990 |
| Core capital (leverage) ratio | 9.2573% | 4,383 |
| Tier 1 risk-based capital ratio | 15.3620% | 3,412 |
| Total risk-based capital ratio | 16.6130% | 3,366 |
| Memoranda: | ||
| Average total assets | $312,699,000 | 2,051 |
| Average earning assets | $273,560,200 | 2,141 |
| Average equity | $30,456,800 | 2,159 |
| Average total loans | $178,054,800 | 2,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 3,757 |
| Cost of funding earning assets | 0.5810% | 6,372 |
| Net interest margin | 4.2746% | 1,809 |
| Noninterest income to average assets | 1.5156% | 571 |
| Noninterest expense to average assets | 4.1778% | 817 |
| Loan and lease loss provision to assets | 0.2845% | 3,248 |
| Net operating income to assets | 0.7878% | 3,225 |
| Return on assets (ROA) | 0.8622% | 3,051 |
| Pretax return on assets | 0.8622% | 3,908 |
| Return on Equity (ROE) | 8.9496% | 2,616 |
| Retained earnings to average equity (ytd only) | 5.0852% | 3,120 |
| Net charge-offs to loans | 0.2179% | 4,077 |
| Credit loss provision to net charge-offs | 226.8966% | 1,259 |
| Earnings coverage of net charge-offs (x) | 8.5516% | 2,159 |
| Efficiency ratio | 79.2950% | 2,362 |
| Assets per employee ($millions) | 3.9327% | 3,998 |
| Cash dividends to net income (ytd only)* | 43.1795% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 4,044 |
| Loan loss allowance to noncurrent loans | 2,936.7816% | 154 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 3,699 |
| Noncurrent loans to loans | 0.0514% | 6,806 |
| Net loans and leases to total assets | 50.4259% | 5,652 |
| Net loans and leases to deposits | 56.2179% | 6,012 |
| Net loans and leases to core deposits | 57.7599% | 6,148 |
| Total domestic deposits to total assets | 89.6973% | 1,044 |
| Equity capital to assets | 9.8862% | 4,498 |
| Core capital (leverage) ratio | 9.3400% | 4,394 |
| Tier 1 risk-based capital ratio | 15.6458% | 3,312 |
| Total risk-based capital ratio | 16.8967% | 3,280 |
| Memoranda: | ||
| Average total assets | $308,349,250 | 2,082 |
| Average earning assets | $269,396,250 | 2,181 |
| Average equity | $29,706,500 | 2,212 |
| Average total loans | $177,477,500 | 2,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 3,025 |
| Cost of funding earning assets | 0.6060% | 6,426 |
| Net interest margin | 4.4216% | 1,311 |
| Noninterest income to average assets | 1.5215% | 551 |
| Noninterest expense to average assets | 4.2815% | 758 |
| Loan and lease loss provision to assets | 0.3608% | 2,626 |
| Net operating income to assets | 0.7382% | 3,345 |
| Return on assets (ROA) | 0.7488% | 3,421 |
| Pretax return on assets | 0.7488% | 4,217 |
| Return on Equity (ROE) | 7.8476% | 3,017 |
| Retained earnings to average equity (ytd only) | 4.2893% | 3,471 |
| Net charge-offs to loans | 0.2186% | 3,819 |
| Credit loss provision to net charge-offs | 275.6345% | 1,102 |
| Earnings coverage of net charge-offs (x) | 8.3959% | 2,066 |
| Efficiency ratio | 79.2912% | 2,505 |
| Assets per employee ($millions) | 3.7575% | 4,303 |
| Cash dividends to net income (ytd only)* | 45.3416% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,382 |
| Loan loss allowance to noncurrent loans | 1,260.1990% | 305 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 4,340 |
| Noncurrent loans to loans | 0.1145% | 6,691 |
| Net loans and leases to total assets | 55.4822% | 5,069 |
| Net loans and leases to deposits | 61.5406% | 5,556 |
| Net loans and leases to core deposits | 63.2678% | 5,793 |
| Total domestic deposits to total assets | 90.1555% | 891 |
| Equity capital to assets | 9.4985% | 4,819 |
| Core capital (leverage) ratio | 9.1759% | 4,447 |
| Tier 1 risk-based capital ratio | 13.6492% | 4,416 |
| Total risk-based capital ratio | 14.8822% | 4,411 |
| Memoranda: | ||
| Average total assets | $301,015,670 | 2,142 |
| Average earning assets | $262,710,330 | 2,231 |
| Average equity | $28,722,330 | 2,263 |
| Average total loans | $180,257,670 | 2,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 3,194 |
| Cost of funding earning assets | 0.6343% | 6,455 |
| Net interest margin | 4.3455% | 1,432 |
| Noninterest income to average assets | 1.2030% | 880 |
| Noninterest expense to average assets | 4.3141% | 713 |
| Loan and lease loss provision to assets | 0.1610% | 4,019 |
| Net operating income to assets | 0.5102% | 4,450 |
| Return on assets (ROA) | 0.5102% | 4,531 |
| Pretax return on assets | 0.5102% | 4,991 |
| Return on Equity (ROE) | 5.3339% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.6927% | 3,956 |
| Net charge-offs to loans | 0.3483% | 2,669 |
| Credit loss provision to net charge-offs | 74.8428% | 3,263 |
| Earnings coverage of net charge-offs (x) | 3.1195% | 2,848 |
| Efficiency ratio | 86.2378% | 1,689 |
| Assets per employee ($millions) | 3.7162% | 4,501 |
| Cash dividends to net income (ytd only)* | 30.7692% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,701 |
| Loan loss allowance to noncurrent loans | 57.6067% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.7763% | 2,485 |
| Noncurrent loans to loans | 2.0556% | 3,499 |
| Net loans and leases to total assets | 59.5199% | 4,355 |
| Net loans and leases to deposits | 66.0254% | 4,975 |
| Net loans and leases to core deposits | 67.8647% | 5,304 |
| Total domestic deposits to total assets | 90.1469% | 1,063 |
| Equity capital to assets | 9.5136% | 4,416 |
| Core capital (leverage) ratio | 9.3430% | 4,062 |
| Tier 1 risk-based capital ratio | 13.5880% | 4,367 |
| Total risk-based capital ratio | 14.6422% | 4,493 |
| Memoranda: | ||
| Average total assets | $295,588,000 | 2,190 |
| Average earning assets | $257,276,500 | 2,292 |
| Average equity | $28,272,000 | 2,285 |
| Average total loans | $182,603,500 | 2,281 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 2,625 |
| Cost of funding earning assets | 0.8334% | 6,428 |
| Net interest margin | 4.5770% | 1,058 |
| Noninterest income to average assets | 1.4010% | 741 |
| Noninterest expense to average assets | 4.4080% | 717 |
| Loan and lease loss provision to assets | 0.6865% | 2,393 |
| Net operating income to assets | 0.2707% | 5,031 |
| Return on assets (ROA) | 0.6490% | 3,591 |
| Pretax return on assets | 0.6497% | 4,168 |
| Return on Equity (ROE) | 6.3668% | 3,413 |
| Retained earnings to average equity (ytd only) | 2.2218% | 4,331 |
| Net charge-offs to loans | 1.1649% | 1,914 |
| Credit loss provision to net charge-offs | 89.1544% | 5,163 |
| Earnings coverage of net charge-offs (x) | 1.2440% | 4,857 |
| Efficiency ratio | 81.8506% | 2,185 |
| Assets per employee ($millions) | 3.4960% | 4,939 |
| Cash dividends to net income (ytd only)* | 65.1036% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,572 |
| Loan loss allowance to noncurrent loans | 69.8499% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 3,954 |
| Noncurrent loans to loans | 1.7026% | 3,953 |
| Net loans and leases to total assets | 62.6236% | 4,142 |
| Net loans and leases to deposits | 69.4686% | 4,884 |
| Net loans and leases to core deposits | 71.4565% | 5,274 |
| Total domestic deposits to total assets | 90.1466% | 1,016 |
| Equity capital to assets | 9.6177% | 4,250 |
| Core capital (leverage) ratio | 9.3621% | 3,907 |
| Tier 1 risk-based capital ratio | 13.2051% | 4,450 |
| Total risk-based capital ratio | 14.2591% | 4,555 |
| Memoranda: | ||
| Average total assets | $282,579,800 | 2,269 |
| Average earning assets | $244,790,400 | 2,383 |
| Average equity | $28,805,800 | 2,256 |
| Average total loans | $186,802,800 | 2,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 2,192 |
| Cost of funding earning assets | 0.8609% | 6,543 |
| Net interest margin | 4.7048% | 840 |
| Noninterest income to average assets | 1.2426% | 888 |
| Noninterest expense to average assets | 4.3749% | 679 |
| Loan and lease loss provision to assets | 0.1952% | 5,084 |
| Net operating income to assets | 0.7377% | 3,247 |
| Return on assets (ROA) | 0.9301% | 2,626 |
| Pretax return on assets | 0.9301% | 3,448 |
| Return on Equity (ROE) | 8.9926% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.8316% | 3,102 |
| Net charge-offs to loans | 0.3143% | 4,080 |
| Credit loss provision to net charge-offs | 92.9864% | 4,658 |
| Earnings coverage of net charge-offs (x) | 4.4434% | 3,048 |
| Efficiency ratio | 82.1192% | 2,048 |
| Assets per employee ($millions) | 3.6037% | 4,724 |
| Cash dividends to net income (ytd only)* | 46.2717% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,959 |
| Loan loss allowance to noncurrent loans | 1,523.5669% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 5,231 |
| Noncurrent loans to loans | 0.0853% | 7,021 |
| Net loans and leases to total assets | 63.0028% | 4,323 |
| Net loans and leases to deposits | 72.4329% | 4,774 |
| Net loans and leases to core deposits | 75.1769% | 5,159 |
| Total domestic deposits to total assets | 86.9809% | 2,544 |
| Equity capital to assets | 10.3971% | 3,644 |
| Core capital (leverage) ratio | 9.9339% | 3,314 |
| Tier 1 risk-based capital ratio | 13.0067% | 4,573 |
| Total risk-based capital ratio | 14.1258% | 4,663 |
| Memoranda: | ||
| Average total assets | $280,683,750 | 2,310 |
| Average earning assets | $242,528,250 | 2,442 |
| Average equity | $29,030,500 | 2,267 |
| Average total loans | $187,529,000 | 2,308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 2,235 |
| Cost of funding earning assets | 0.8880% | 6,629 |
| Net interest margin | 4.6858% | 833 |
| Noninterest income to average assets | 1.1728% | 933 |
| Noninterest expense to average assets | 4.3739% | 664 |
| Loan and lease loss provision to assets | 0.1963% | 4,903 |
| Net operating income to assets | 0.6507% | 3,624 |
| Return on assets (ROA) | 0.8844% | 2,731 |
| Pretax return on assets | 0.8844% | 3,560 |
| Return on Equity (ROE) | 8.5667% | 2,641 |
| Retained earnings to average equity (ytd only) | 3.6495% | 3,777 |
| Net charge-offs to loans | 0.4420% | 3,213 |
| Credit loss provision to net charge-offs | 65.4676% | 5,086 |
| Earnings coverage of net charge-offs (x) | 2.8249% | 3,577 |
| Efficiency ratio | 83.4596% | 1,984 |
| Assets per employee ($millions) | 3.3739% | 5,251 |
| Cash dividends to net income (ytd only)* | 57.3984% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 5,323 |
| Loan loss allowance to noncurrent loans | 256.0674% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 4,764 |
| Noncurrent loans to loans | 0.4787% | 6,294 |
| Net loans and leases to total assets | 66.3811% | 3,753 |
| Net loans and leases to deposits | 74.5553% | 4,589 |
| Net loans and leases to core deposits | 78.1734% | 4,925 |
| Total domestic deposits to total assets | 89.0361% | 1,417 |
| Equity capital to assets | 10.4705% | 3,447 |
| Core capital (leverage) ratio | 9.8334% | 3,360 |
| Tier 1 risk-based capital ratio | 12.9312% | 4,510 |
| Total risk-based capital ratio | 14.0122% | 4,603 |
| Memoranda: | ||
| Average total assets | $278,147,670 | 2,344 |
| Average earning assets | $240,303,000 | 2,474 |
| Average equity | $28,716,000 | 2,285 |
| Average total loans | $188,697,330 | 2,323 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4303% | 2,896 |
| Cost of funding earning assets | 0.9075% | 6,743 |
| Net interest margin | 4.5228% | 1,095 |
| Noninterest income to average assets | 1.1159% | 1,009 |
| Noninterest expense to average assets | 4.3214% | 704 |
| Loan and lease loss provision to assets | 0.1951% | 4,551 |
| Net operating income to assets | 0.5163% | 4,310 |
| Return on assets (ROA) | 0.9825% | 2,309 |
| Pretax return on assets | 0.9825% | 3,154 |
| Return on Equity (ROE) | 9.5838% | 2,257 |
| Retained earnings to average equity (ytd only) | 4.9668% | 3,175 |
| Net charge-offs to loans | 0.1368% | 4,125 |
| Credit loss provision to net charge-offs | 209.2308% | 1,783 |
| Earnings coverage of net charge-offs (x) | 7.6308% | 2,063 |
| Efficiency ratio | 85.5514% | 1,848 |
| Assets per employee ($millions) | 3.4010% | 5,288 |
| Cash dividends to net income (ytd only)* | 48.1752% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,861 |
| Loan loss allowance to noncurrent loans | 89.5833% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 4,732 |
| Noncurrent loans to loans | 1.4655% | 4,545 |
| Net loans and leases to total assets | 67.2255% | 3,569 |
| Net loans and leases to deposits | 75.6254% | 4,474 |
| Net loans and leases to core deposits | 78.7891% | 4,926 |
| Total domestic deposits to total assets | 88.8926% | 1,573 |
| Equity capital to assets | 10.2629% | 3,518 |
| Core capital (leverage) ratio | 9.8442% | 3,347 |
| Tier 1 risk-based capital ratio | 12.8245% | 4,461 |
| Total risk-based capital ratio | 14.0056% | 4,477 |
| Memoranda: | ||
| Average total assets | $278,890,000 | 2,402 |
| Average earning assets | $241,533,000 | 2,520 |
| Average equity | $28,590,000 | 2,323 |
| Average total loans | $190,080,500 | 2,372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 1,735 |
| Cost of funding earning assets | 1.2504% | 6,471 |
| Net interest margin | 4.7834% | 715 |
| Noninterest income to average assets | 1.5582% | 588 |
| Noninterest expense to average assets | 4.4813% | 811 |
| Loan and lease loss provision to assets | 0.5718% | 3,516 |
| Net operating income to assets | 0.6221% | 3,244 |
| Return on assets (ROA) | 0.6221% | 3,310 |
| Pretax return on assets | 0.6221% | 3,839 |
| Return on Equity (ROE) | 6.2555% | 3,099 |
| Retained earnings to average equity (ytd only) | 0.8765% | 4,411 |
| Net charge-offs to loans | 0.6407% | 3,275 |
| Credit loss provision to net charge-offs | 128.1302% | 4,034 |
| Earnings coverage of net charge-offs (x) | 2.6753% | 3,768 |
| Efficiency ratio | 78.6675% | 3,099 |
| Assets per employee ($millions) | 3.5304% | 4,941 |
| Cash dividends to net income (ytd only)* | 85.9880% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 4,914 |
| Loan loss allowance to noncurrent loans | 75.9799% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4245% | 4,279 |
| Noncurrent loans to loans | 1.6767% | 4,134 |
| Net loans and leases to total assets | 67.3236% | 3,855 |
| Net loans and leases to deposits | 75.5112% | 4,817 |
| Net loans and leases to core deposits | 92.6787% | 4,814 |
| Total domestic deposits to total assets | 89.1571% | 1,409 |
| Equity capital to assets | 10.2398% | 3,470 |
| Core capital (leverage) ratio | 9.4032% | 3,826 |
| Tier 1 risk-based capital ratio | 12.5592% | 4,479 |
| Total risk-based capital ratio | 13.6982% | 4,514 |
| Memoranda: | ||
| Average total assets | $268,449,000 | 2,437 |
| Average earning assets | $231,048,200 | 2,588 |
| Average equity | $26,696,600 | 2,473 |
| Average total loans | $186,985,200 | 2,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 1,469 |
| Cost of funding earning assets | 1.2864% | 6,594 |
| Net interest margin | 4.8751% | 587 |
| Noninterest income to average assets | 1.7048% | 505 |
| Noninterest expense to average assets | 4.5551% | 695 |
| Loan and lease loss provision to assets | 0.6425% | 2,829 |
| Net operating income to assets | 0.7002% | 3,209 |
| Return on assets (ROA) | 0.7002% | 3,267 |
| Pretax return on assets | 0.7002% | 3,859 |
| Return on Equity (ROE) | 7.0958% | 3,032 |
| Retained earnings to average equity (ytd only) | 1.3724% | 4,551 |
| Net charge-offs to loans | 0.6918% | 2,620 |
| Credit loss provision to net charge-offs | 132.6087% | 3,770 |
| Earnings coverage of net charge-offs (x) | 2.7712% | 3,842 |
| Efficiency ratio | 76.9453% | 3,330 |
| Assets per employee ($millions) | 3.4962% | 4,936 |
| Cash dividends to net income (ytd only)* | 80.6591% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 4,965 |
| Loan loss allowance to noncurrent loans | 63.5060% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 4,146 |
| Noncurrent loans to loans | 1.9313% | 3,730 |
| Net loans and leases to total assets | 67.1653% | 4,143 |
| Net loans and leases to deposits | 75.6377% | 5,103 |
| Net loans and leases to core deposits | 94.3227% | 4,988 |
| Total domestic deposits to total assets | 88.7987% | 1,291 |
| Equity capital to assets | 10.0617% | 4,012 |
| Core capital (leverage) ratio | 9.5476% | 3,847 |
| Tier 1 risk-based capital ratio | 12.4177% | 4,613 |
| Total risk-based capital ratio | 13.5280% | 4,666 |
| Memoranda: | ||
| Average total assets | $265,835,750 | 2,471 |
| Average earning assets | $228,639,750 | 2,624 |
| Average equity | $26,231,000 | 2,536 |
| Average total loans | $186,184,000 | 2,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3790% | 1,047 |
| Cost of funding earning assets | 1.3689% | 6,589 |
| Net interest margin | 5.0102% | 419 |
| Noninterest income to average assets | 1.8757% | 419 |
| Noninterest expense to average assets | 4.7458% | 619 |
| Loan and lease loss provision to assets | 0.5524% | 2,808 |
| Net operating income to assets | 0.8614% | 2,606 |
| Return on assets (ROA) | 0.8614% | 2,709 |
| Pretax return on assets | 0.8614% | 3,468 |
| Return on Equity (ROE) | 8.7936% | 2,428 |
| Retained earnings to average equity (ytd only) | 2.1688% | 4,142 |
| Net charge-offs to loans | 0.6493% | 2,410 |
| Credit loss provision to net charge-offs | 120.1681% | 3,864 |
| Earnings coverage of net charge-offs (x) | 3.0756% | 3,584 |
| Efficiency ratio | 76.7716% | 3,545 |
| Assets per employee ($millions) | 3.3593% | 5,162 |
| Cash dividends to net income (ytd only)* | 75.3363% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,528 |
| Loan loss allowance to noncurrent loans | 77.9000% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 4,230 |
| Noncurrent loans to loans | 1.4246% | 4,363 |
| Net loans and leases to total assets | 70.1828% | 3,656 |
| Net loans and leases to deposits | 78.9108% | 4,717 |
| Net loans and leases to core deposits | 98.8198% | 4,616 |
| Total domestic deposits to total assets | 88.9394% | 1,294 |
| Equity capital to assets | 10.0269% | 3,901 |
| Core capital (leverage) ratio | 9.7443% | 3,578 |
| Tier 1 risk-based capital ratio | 12.1810% | 4,771 |
| Total risk-based capital ratio | 13.1816% | 4,893 |
| Memoranda: | ||
| Average total assets | $258,884,000 | 2,551 |
| Average earning assets | $221,350,000 | 2,728 |
| Average equity | $25,359,330 | 2,614 |
| Average total loans | $183,262,670 | 2,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2867% | 1,335 |
| Cost of funding earning assets | 1.2483% | 7,176 |
| Net interest margin | 5.0384% | 369 |
| Noninterest income to average assets | 1.5411% | 584 |
| Noninterest expense to average assets | 4.4015% | 783 |
| Loan and lease loss provision to assets | 0.0723% | 6,057 |
| Net operating income to assets | 1.3611% | 1,233 |
| Return on assets (ROA) | 1.3611% | 1,320 |
| Pretax return on assets | 1.3611% | 2,081 |
| Return on Equity (ROE) | 14.0812% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.2675% | 2,516 |
| Net charge-offs to loans | 0.0045% | 5,645 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 72 |
| Efficiency ratio | 75.4338% | 3,575 |
| Assets per employee ($millions) | 3.3495% | 5,204 |
| Cash dividends to net income (ytd only)* | 55.4900% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,282 |
| Loan loss allowance to noncurrent loans | 473.8095% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 5,422 |
| Noncurrent loans to loans | 0.2378% | 6,850 |
| Net loans and leases to total assets | 70.4515% | 3,584 |
| Net loans and leases to deposits | 79.1168% | 4,756 |
| Net loans and leases to core deposits | 94.5154% | 5,112 |
| Total domestic deposits to total assets | 89.0474% | 1,213 |
| Equity capital to assets | 9.8414% | 4,192 |
| Core capital (leverage) ratio | 9.4870% | 4,001 |
| Tier 1 risk-based capital ratio | 11.8245% | 5,096 |
| Total risk-based capital ratio | 12.8439% | 5,215 |
| Memoranda: | ||
| Average total assets | $248,916,500 | 2,658 |
| Average earning assets | $212,129,500 | 2,857 |
| Average equity | $24,060,500 | 2,762 |
| Average total loans | $175,954,500 | 2,642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3474% | 3,704 |
| Cost of funding earning assets | 1.8318% | 6,924 |
| Net interest margin | 4.5156% | 1,384 |
| Noninterest income to average assets | 2.8691% | 214 |
| Noninterest expense to average assets | 4.3956% | 961 |
| Loan and lease loss provision to assets | 0.1824% | 5,071 |
| Net operating income to assets | 2.2294% | 221 |
| Return on assets (ROA) | 2.2971% | 190 |
| Pretax return on assets | 2.2486% | 358 |
| Return on Equity (ROE) | 25.9994% | 117 |
| Retained earnings to average equity (ytd only) | 18.1502% | 47 |
| Net charge-offs to loans | 0.2253% | 3,982 |
| Credit loss provision to net charge-offs | 117.9420% | 4,562 |
| Earnings coverage of net charge-offs (x) | 15.2850% | 1,943 |
| Efficiency ratio | 65.0350% | 5,319 |
| Assets per employee ($millions) | 3.2891% | 5,241 |
| Cash dividends to net income (ytd only)* | 30.1900% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,197 |
| Loan loss allowance to noncurrent loans | 134.3685% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 4,059 |
| Noncurrent loans to loans | 0.8266% | 4,983 |
| Net loans and leases to total assets | 69.3479% | 4,181 |
| Net loans and leases to deposits | 78.7058% | 5,242 |
| Net loans and leases to core deposits | 91.9946% | 5,640 |
| Total domestic deposits to total assets | 88.1103% | 1,426 |
| Equity capital to assets | 9.4922% | 4,705 |
| Core capital (leverage) ratio | 9.1582% | 4,509 |
| Tier 1 risk-based capital ratio | 11.8066% | 4,978 |
| Total risk-based capital ratio | 12.8191% | 5,070 |
| Memoranda: | ||
| Average total assets | $245,132,000 | 2,602 |
| Average earning assets | $211,156,200 | 2,761 |
| Average equity | $21,658,200 | 3,018 |
| Average total loans | $168,227,000 | 2,637 |