Home > Commerce West Bank > Performance and Condition Ratios
Commerce West Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 3,008 |
| Cost of funding earning assets | 0.8357% | 3,646 |
| Net interest margin | 3.7155% | 1,730 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 1.9263% | 3,779 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 1.5916% | 876 |
| Return on assets (ROA) | 1.5809% | 858 |
| Pretax return on assets | 2.1849% | 500 |
| Return on Equity (ROE) | 16.3100% | 1,054 |
| Retained earnings to average equity (ytd only) | 4.4426% | 2,816 |
| Net charge-offs to loans | -0.2643% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.9613% | 4,093 |
| Assets per employee ($millions) | 18.5997% | 120 |
| Cash dividends to net income (ytd only)* | 72.7592% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 853 |
| Loan loss allowance to noncurrent loans | 278.3060% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 1,674 |
| Noncurrent loans to loans | 0.5720% | 1,369 |
| Net loans and leases to total assets | 54.7600% | 3,292 |
| Net loans and leases to deposits | 61.2155% | 3,458 |
| Net loans and leases to core deposits | 67.0020% | 3,451 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 9.4684% | 2,367 |
| Core capital (leverage) ratio | 12.0856% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8190% | 705 |
| Memoranda: | ||
| Average total assets | $1,223,734,400 | 842 |
| Average earning assets | $1,146,629,200 | 822 |
| Average equity | $118,623,400 | 832 |
| Average total loans | $753,210,400 | 906 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,575 |
| Cost of funding earning assets | 0.8156% | 3,483 |
| Net interest margin | 3.8300% | 1,536 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 1.9192% | 3,773 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 1.7163% | 774 |
| Return on assets (ROA) | 1.7018% | 787 |
| Pretax return on assets | 2.3430% | 453 |
| Return on Equity (ROE) | 17.4500% | 1,020 |
| Retained earnings to average equity (ytd only) | 5.0887% | 2,902 |
| Net charge-offs to loans | -0.3486% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.4268% | 4,112 |
| Assets per employee ($millions) | 15.3593% | 183 |
| Cash dividends to net income (ytd only)* | 70.8328% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 942 |
| Loan loss allowance to noncurrent loans | 276.0354% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 1,465 |
| Noncurrent loans to loans | 0.5691% | 1,410 |
| Net loans and leases to total assets | 68.1700% | 2,027 |
| Net loans and leases to deposits | 77.7654% | 2,269 |
| Net loans and leases to core deposits | 86.9616% | 2,126 |
| Total domestic deposits to total assets | 87.6600% | 1,682 |
| Equity capital to assets | 11.0668% | 1,325 |
| Core capital (leverage) ratio | 11.1765% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7254% | 729 |
| Memoranda: | ||
| Average total assets | $1,204,173,250 | 858 |
| Average earning assets | $1,125,676,250 | 840 |
| Average equity | $117,460,000 | 834 |
| Average total loans | $760,402,000 | 900 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 2,991 |
| Cost of funding earning assets | 0.7363% | 3,385 |
| Net interest margin | 3.6200% | 1,990 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.7006% | 4,146 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5706% | 988 |
| Return on assets (ROA) | 1.5496% | 1,017 |
| Pretax return on assets | 2.1236% | 598 |
| Return on Equity (ROE) | 16.5100% | 1,184 |
| Retained earnings to average equity (ytd only) | 5.1447% | 2,909 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.8460% | 4,258 |
| Assets per employee ($millions) | 17.6470% | 128 |
| Cash dividends to net income (ytd only)* | 68.8447% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,249 |
| Loan loss allowance to noncurrent loans | 340.9077% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 1,834 |
| Noncurrent loans to loans | 0.4334% | 1,635 |
| Net loans and leases to total assets | 62.2700% | 2,555 |
| Net loans and leases to deposits | 70.4188% | 2,752 |
| Net loans and leases to core deposits | 81.7562% | 2,354 |
| Total domestic deposits to total assets | 88.4300% | 1,452 |
| Equity capital to assets | 10.0532% | 1,825 |
| Core capital (leverage) ratio | 10.7888% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1977% | 794 |
| Memoranda: | ||
| Average total assets | $1,252,299,667 | 819 |
| Average earning assets | $1,171,500,667 | 806 |
| Average equity | $117,518,333 | 831 |
| Average total loans | $769,197,333 | 872 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,493 |
| Cost of funding earning assets | 0.5539% | 3,521 |
| Net interest margin | 3.4224% | 2,579 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.4735% | 4,411 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.6096% | 965 |
| Return on assets (ROA) | 1.5689% | 1,036 |
| Pretax return on assets | 2.1027% | 652 |
| Return on Equity (ROE) | 17.2800% | 1,131 |
| Retained earnings to average equity (ytd only) | 4.5051% | 3,127 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.3574% | 4,440 |
| Assets per employee ($millions) | 16.2562% | 160 |
| Cash dividends to net income (ytd only)* | 73.9354% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,493 |
| Loan loss allowance to noncurrent loans | 330.4309% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 1,696 |
| Noncurrent loans to loans | 0.4333% | 1,634 |
| Net loans and leases to total assets | 66.3500% | 2,021 |
| Net loans and leases to deposits | 75.1050% | 2,193 |
| Net loans and leases to core deposits | 85.0761% | 1,926 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 10.3502% | 1,641 |
| Core capital (leverage) ratio | 11.3632% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5126% | 908 |
| Memoranda: | ||
| Average total assets | $1,287,275,500 | 818 |
| Average earning assets | $1,207,461,500 | 798 |
| Average equity | $116,845,500 | 844 |
| Average total loans | $780,160,000 | 876 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 3,296 |
| Cost of funding earning assets | 0.1738% | 3,970 |
| Net interest margin | 3.2457% | 2,717 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.3711% | 4,527 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4742% | 950 |
| Return on assets (ROA) | 1.4742% | 912 |
| Pretax return on assets | 2.0481% | 426 |
| Return on Equity (ROE) | 16.6300% | 937 |
| Retained earnings to average equity (ytd only) | 10.9172% | 904 |
| Net charge-offs to loans | 0.0023% | 2,443 |
| Credit loss provision to net charge-offs | 6,666.6667% | 102 |
| Earnings coverage of net charge-offs (x) | 1,533.6667% | 117 |
| Efficiency ratio | 39.0367% | 4,560 |
| Assets per employee ($millions) | 22.1018% | 81 |
| Cash dividends to net income (ytd only)* | 34.3610% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,868.2676% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,395 |
| Noncurrent loans to loans | 0.0734% | 3,237 |
| Net loans and leases to total assets | 54.5400% | 3,149 |
| Net loans and leases to deposits | 59.9518% | 3,329 |
| Net loans and leases to core deposits | 63.0803% | 3,324 |
| Total domestic deposits to total assets | 90.9700% | 971 |
| Equity capital to assets | 8.0684% | 3,022 |
| Core capital (leverage) ratio | 11.0137% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8199% | 1,157 |
| Memoranda: | ||
| Average total assets | $1,289,302,200 | 798 |
| Average earning assets | $1,208,360,200 | 787 |
| Average equity | $114,278,400 | 851 |
| Average total loans | $788,941,400 | 827 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 3,015 |
| Cost of funding earning assets | 0.0791% | 4,425 |
| Net interest margin | 3.2812% | 2,355 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.3781% | 4,523 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4981% | 860 |
| Return on assets (ROA) | 1.4981% | 836 |
| Pretax return on assets | 2.0847% | 394 |
| Return on Equity (ROE) | 16.4800% | 894 |
| Retained earnings to average equity (ytd only) | 11.2898% | 971 |
| Net charge-offs to loans | 0.0032% | 2,109 |
| Credit loss provision to net charge-offs | 4,210.5263% | 132 |
| Earnings coverage of net charge-offs (x) | 1,072.7895% | 139 |
| Efficiency ratio | 38.8430% | 4,599 |
| Assets per employee ($millions) | 16.7510% | 155 |
| Cash dividends to net income (ytd only)* | 31.4858% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,870 |
| Loan loss allowance to noncurrent loans | 18,405.2632% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,963 |
| Noncurrent loans to loans | 0.0072% | 3,901 |
| Net loans and leases to total assets | 68.1200% | 1,667 |
| Net loans and leases to deposits | 76.7491% | 1,814 |
| Net loans and leases to core deposits | 82.3748% | 1,738 |
| Total domestic deposits to total assets | 88.7500% | 2,185 |
| Equity capital to assets | 9.7494% | 1,752 |
| Core capital (leverage) ratio | 10.4461% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0501% | 1,165 |
| Memoranda: | ||
| Average total assets | $1,252,473,750 | 825 |
| Average earning assets | $1,172,565,750 | 813 |
| Average equity | $113,870,000 | 870 |
| Average total loans | $787,581,000 | 830 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 3,287 |
| Cost of funding earning assets | 0.0518% | 4,587 |
| Net interest margin | 3.0552% | 2,699 |
| Noninterest income to average assets | 0.4509% | 2,442 |
| Noninterest expense to average assets | 1.3005% | 4,593 |
| Loan and lease loss provision to assets | 0.0775% | 1,250 |
| Net operating income to assets | 1.4053% | 896 |
| Return on assets (ROA) | 1.4053% | 870 |
| Pretax return on assets | 1.9525% | 420 |
| Return on Equity (ROE) | 15.7931% | 738 |
| Retained earnings to average equity (ytd only) | 12.4049% | 545 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0487% | 4,635 |
| Assets per employee ($millions) | 18.1423% | 123 |
| Cash dividends to net income (ytd only)* | 21.4538% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,320 |
| Loan loss allowance to noncurrent loans | 13,434.2105% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,984 |
| Noncurrent loans to loans | 0.0095% | 3,922 |
| Net loans and leases to total assets | 65.1626% | 1,794 |
| Net loans and leases to deposits | 72.9704% | 1,960 |
| Net loans and leases to core deposits | 75.0709% | 2,087 |
| Total domestic deposits to total assets | 89.3001% | 2,047 |
| Equity capital to assets | 9.2829% | 2,178 |
| Core capital (leverage) ratio | 9.8111% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4214% | 1,322 |
| Memoranda: | ||
| Average total assets | $1,290,275,667 | 802 |
| Average earning assets | $1,216,109,667 | 785 |
| Average equity | $114,809,333 | 870 |
| Average total loans | $787,980,000 | 817 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 3,483 |
| Cost of funding earning assets | 0.0512% | 4,594 |
| Net interest margin | 2.8682% | 2,931 |
| Noninterest income to average assets | 0.4200% | 2,557 |
| Noninterest expense to average assets | 1.2320% | 4,653 |
| Loan and lease loss provision to assets | 0.0377% | 1,681 |
| Net operating income to assets | 1.3455% | 910 |
| Return on assets (ROA) | 1.3455% | 897 |
| Pretax return on assets | 1.8653% | 474 |
| Return on Equity (ROE) | 15.4272% | 594 |
| Retained earnings to average equity (ytd only) | 12.8053% | 487 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2984% | 4,657 |
| Assets per employee ($millions) | 19.2521% | 115 |
| Cash dividends to net income (ytd only)* | 16.9951% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.8092% | 1,980 |
| Net loans and leases to deposits | 67.3946% | 2,207 |
| Net loans and leases to core deposits | 69.2005% | 2,361 |
| Total domestic deposits to total assets | 90.2285% | 1,425 |
| Equity capital to assets | 8.8518% | 2,837 |
| Core capital (leverage) ratio | 8.9772% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2738% | 1,431 |
| Memoranda: | ||
| Average total assets | $1,327,646,500 | 778 |
| Average earning assets | $1,256,656,500 | 769 |
| Average equity | $115,795,500 | 885 |
| Average total loans | $780,828,000 | 812 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5073% | 4,474 |
| Cost of funding earning assets | 0.0808% | 4,524 |
| Net interest margin | 2.4265% | 4,287 |
| Noninterest income to average assets | 0.4842% | 2,656 |
| Noninterest expense to average assets | 1.1752% | 4,721 |
| Loan and lease loss provision to assets | 0.0413% | 2,222 |
| Net operating income to assets | 1.1903% | 1,951 |
| Return on assets (ROA) | 1.1903% | 2,017 |
| Pretax return on assets | 1.5675% | 1,512 |
| Return on Equity (ROE) | 15.7381% | 798 |
| Retained earnings to average equity (ytd only) | 15.0101% | 221 |
| Net charge-offs to loans | 0.0263% | 1,717 |
| Credit loss provision to net charge-offs | 303.4682% | 1,053 |
| Earnings coverage of net charge-offs (x) | 118.2139% | 793 |
| Efficiency ratio | 42.2125% | 4,635 |
| Assets per employee ($millions) | 20.3792% | 97 |
| Cash dividends to net income (ytd only)* | 4.6263% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.4957% | 2,679 |
| Net loans and leases to deposits | 61.3532% | 2,949 |
| Net loans and leases to core deposits | 64.2331% | 2,960 |
| Total domestic deposits to total assets | 90.4527% | 737 |
| Equity capital to assets | 8.5991% | 3,991 |
| Core capital (leverage) ratio | 8.3834% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4215% | 1,408 |
| Memoranda: | ||
| Average total assets | $1,271,231,000 | 785 |
| Average earning assets | $1,204,831,000 | 766 |
| Average equity | $96,142,200 | 1,038 |
| Average total loans | $659,037,200 | 924 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4969% | 4,568 |
| Cost of funding earning assets | 0.0893% | 4,579 |
| Net interest margin | 2.4077% | 4,389 |
| Noninterest income to average assets | 0.4146% | 3,008 |
| Noninterest expense to average assets | 1.1524% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1584% | 2,331 |
| Return on assets (ROA) | 1.1584% | 2,391 |
| Pretax return on assets | 1.5390% | 1,879 |
| Return on Equity (ROE) | 15.9130% | 968 |
| Retained earnings to average equity (ytd only) | 14.8854% | 414 |
| Net charge-offs to loans | 0.0365% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 83.2486% | 960 |
| Efficiency ratio | 42.8174% | 4,632 |
| Assets per employee ($millions) | 20.6817% | 94 |
| Cash dividends to net income (ytd only)* | 6.4576% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.9372% | 3,873 |
| Net loans and leases to deposits | 49.1491% | 4,058 |
| Net loans and leases to core deposits | 51.9556% | 4,040 |
| Total domestic deposits to total assets | 91.4305% | 251 |
| Equity capital to assets | 7.6424% | 4,667 |
| Core capital (leverage) ratio | 7.5686% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6313% | 1,446 |
| Memoranda: | ||
| Average total assets | $1,247,687,750 | 808 |
| Average earning assets | $1,179,871,500 | 793 |
| Average equity | $90,824,750 | 1,107 |
| Average total loans | $631,934,000 | 976 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5466% | 4,585 |
| Cost of funding earning assets | 0.0988% | 4,591 |
| Net interest margin | 2.4478% | 4,372 |
| Noninterest income to average assets | 0.3909% | 3,151 |
| Noninterest expense to average assets | 1.1610% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1422% | 2,396 |
| Return on assets (ROA) | 1.1422% | 2,454 |
| Pretax return on assets | 1.5444% | 1,889 |
| Return on Equity (ROE) | 15.9784% | 961 |
| Retained earnings to average equity (ytd only) | 15.9784% | 339 |
| Net charge-offs to loans | 0.0490% | 1,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 60.1210% | 968 |
| Efficiency ratio | 42.9150% | 4,667 |
| Assets per employee ($millions) | 17.8823% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.1962% | 2,994 |
| Net loans and leases to deposits | 61.0121% | 3,299 |
| Net loans and leases to core deposits | 65.0565% | 3,189 |
| Total domestic deposits to total assets | 90.4676% | 566 |
| Equity capital to assets | 8.5029% | 4,199 |
| Core capital (leverage) ratio | 8.0157% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2506% | 1,546 |
| Memoranda: | ||
| Average total assets | $1,222,374,000 | 820 |
| Average earning assets | $1,155,836,000 | 801 |
| Average equity | $87,380,667 | 1,136 |
| Average total loans | $641,249,667 | 966 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5438% | 4,617 |
| Cost of funding earning assets | 0.1002% | 4,646 |
| Net interest margin | 2.4437% | 4,370 |
| Noninterest income to average assets | 0.3536% | 3,321 |
| Noninterest expense to average assets | 1.1080% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1881% | 2,196 |
| Return on assets (ROA) | 1.1881% | 2,263 |
| Pretax return on assets | 1.5676% | 1,809 |
| Return on Equity (ROE) | 18.2231% | 702 |
| Retained earnings to average equity (ytd only) | 18.2231% | 357 |
| Net charge-offs to loans | -0.0176% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4110% | 4,691 |
| Assets per employee ($millions) | 19.4150% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 56.7551% | 2,949 |
| Net loans and leases to deposits | 62.1228% | 3,309 |
| Net loans and leases to core deposits | 66.3388% | 3,212 |
| Total domestic deposits to total assets | 91.3595% | 275 |
| Equity capital to assets | 7.8612% | 4,568 |
| Core capital (leverage) ratio | 7.4618% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1452% | 1,525 |
| Memoranda: | ||
| Average total assets | $1,252,387,000 | 794 |
| Average earning assets | $1,190,015,500 | 776 |
| Average equity | $81,654,500 | 1,187 |
| Average total loans | $636,488,000 | 966 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 4,500 |
| Cost of funding earning assets | 0.2145% | 4,533 |
| Net interest margin | 2.9428% | 4,027 |
| Noninterest income to average assets | 0.7760% | 1,606 |
| Noninterest expense to average assets | 1.5390% | 4,750 |
| Loan and lease loss provision to assets | 0.7027% | 227 |
| Net operating income to assets | 0.9701% | 2,394 |
| Return on assets (ROA) | 0.9689% | 2,550 |
| Pretax return on assets | 1.3053% | 1,957 |
| Return on Equity (ROE) | 13.8362% | 853 |
| Retained earnings to average equity (ytd only) | 9.4849% | 687 |
| Net charge-offs to loans | 0.5565% | 273 |
| Credit loss provision to net charge-offs | 218.3113% | 2,077 |
| Earnings coverage of net charge-offs (x) | 6.2430% | 2,797 |
| Efficiency ratio | 43.3712% | 4,806 |
| Assets per employee ($millions) | 22.0077% | 77 |
| Cash dividends to net income (ytd only)* | 31.4487% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.0812% | 4,242 |
| Net loans and leases to deposits | 46.8478% | 4,434 |
| Net loans and leases to core deposits | 50.2344% | 4,410 |
| Total domestic deposits to total assets | 94.0944% | 5 |
| Equity capital to assets | 5.3169% | 4,988 |
| Core capital (leverage) ratio | 6.4938% | 4,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6105% | 2,767 |
| Memoranda: | ||
| Average total assets | $938,254,000 | 935 |
| Average earning assets | $883,956,800 | 918 |
| Average equity | $65,704,600 | 1,363 |
| Average total loans | $542,644,200 | 1,068 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 4,481 |
| Cost of funding earning assets | 0.2636% | 4,458 |
| Net interest margin | 3.0274% | 3,909 |
| Noninterest income to average assets | 0.5136% | 2,549 |
| Noninterest expense to average assets | 1.5882% | 4,737 |
| Loan and lease loss provision to assets | 0.9244% | 167 |
| Net operating income to assets | 0.6528% | 3,620 |
| Return on assets (ROA) | 0.6511% | 3,729 |
| Pretax return on assets | 0.8332% | 3,560 |
| Return on Equity (ROE) | 8.4959% | 2,600 |
| Retained earnings to average equity (ytd only) | 4.0528% | 3,020 |
| Net charge-offs to loans | 0.7754% | 175 |
| Credit loss provision to net charge-offs | 189.4003% | 2,151 |
| Earnings coverage of net charge-offs (x) | 3.6055% | 2,900 |
| Efficiency ratio | 47.4363% | 4,644 |
| Assets per employee ($millions) | 16.1679% | 136 |
| Cash dividends to net income (ytd only)* | 52.2965% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 1,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.6116% | 2,687 |
| Net loans and leases to deposits | 69.9866% | 3,318 |
| Net loans and leases to core deposits | 77.0723% | 3,089 |
| Total domestic deposits to total assets | 92.3198% | 37 |
| Equity capital to assets | 6.9993% | 4,951 |
| Core capital (leverage) ratio | 6.5291% | 5,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6949% | 2,726 |
| Memoranda: | ||
| Average total assets | $842,702,000 | 1,002 |
| Average earning assets | $788,988,000 | 999 |
| Average equity | $64,578,750 | 1,362 |
| Average total loans | $530,447,000 | 1,081 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 4,577 |
| Cost of funding earning assets | 0.3147% | 4,420 |
| Net interest margin | 3.0499% | 4,012 |
| Noninterest income to average assets | 0.5144% | 2,509 |
| Noninterest expense to average assets | 1.6143% | 4,768 |
| Loan and lease loss provision to assets | 1.1326% | 161 |
| Net operating income to assets | 0.5306% | 3,933 |
| Return on assets (ROA) | 0.5277% | 4,024 |
| Pretax return on assets | 0.6293% | 4,006 |
| Return on Equity (ROE) | 6.6639% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.1767% | 3,686 |
| Net charge-offs to loans | 1.2300% | 108 |
| Credit loss provision to net charge-offs | 148.6408% | 2,134 |
| Earnings coverage of net charge-offs (x) | 2.3168% | 2,786 |
| Efficiency ratio | 47.7636% | 4,646 |
| Assets per employee ($millions) | 15.2071% | 163 |
| Cash dividends to net income (ytd only)* | 67.3364% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.1977% | 2,599 |
| Net loans and leases to deposits | 71.7739% | 3,282 |
| Net loans and leases to core deposits | 79.3458% | 2,998 |
| Total domestic deposits to total assets | 92.2309% | 38 |
| Equity capital to assets | 7.0374% | 4,969 |
| Core capital (leverage) ratio | 7.2628% | 4,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3404% | 2,055 |
| Memoranda: | ||
| Average total assets | $811,022,333 | 1,018 |
| Average earning assets | $761,929,333 | 1,005 |
| Average equity | $64,226,667 | 1,363 |
| Average total loans | $502,452,000 | 1,113 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 4,640 |
| Cost of funding earning assets | 0.4292% | 4,241 |
| Net interest margin | 3.0595% | 4,181 |
| Noninterest income to average assets | 0.6045% | 2,023 |
| Noninterest expense to average assets | 1.7303% | 4,742 |
| Loan and lease loss provision to assets | 1.1274% | 177 |
| Net operating income to assets | 0.5908% | 3,620 |
| Return on assets (ROA) | 0.5908% | 3,678 |
| Pretax return on assets | 0.6308% | 3,865 |
| Return on Equity (ROE) | 6.9931% | 2,954 |
| Retained earnings to average equity (ytd only) | 2.4535% | 3,289 |
| Net charge-offs to loans | 0.4062% | 360 |
| Credit loss provision to net charge-offs | 470.9890% | 916 |
| Earnings coverage of net charge-offs (x) | 7.3451% | 1,930 |
| Efficiency ratio | 49.6004% | 4,690 |
| Assets per employee ($millions) | 10.4458% | 336 |
| Cash dividends to net income (ytd only)* | 64.9154% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 971 |
| Loan loss allowance to noncurrent loans | 14,100.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,603 |
| Noncurrent loans to loans | 0.0117% | 4,527 |
| Net loans and leases to total assets | 70.2211% | 2,213 |
| Net loans and leases to deposits | 78.8971% | 2,787 |
| Net loans and leases to core deposits | 83.2194% | 2,917 |
| Total domestic deposits to total assets | 89.0033% | 662 |
| Equity capital to assets | 9.9832% | 3,803 |
| Core capital (leverage) ratio | 9.8246% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8798% | 2,761 |
| Memoranda: | ||
| Average total assets | $760,320,500 | 1,042 |
| Average earning assets | $716,710,000 | 1,015 |
| Average equity | $64,234,500 | 1,357 |
| Average total loans | $448,031,500 | 1,188 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 4,276 |
| Cost of funding earning assets | 0.6755% | 3,285 |
| Net interest margin | 3.3169% | 3,951 |
| Noninterest income to average assets | 0.4562% | 2,971 |
| Noninterest expense to average assets | 1.8988% | 4,663 |
| Loan and lease loss provision to assets | 0.1252% | 1,695 |
| Net operating income to assets | 1.1833% | 2,123 |
| Return on assets (ROA) | 1.1812% | 2,231 |
| Pretax return on assets | 1.5421% | 1,679 |
| Return on Equity (ROE) | 13.1299% | 1,131 |
| Retained earnings to average equity (ytd only) | 9.1084% | 685 |
| Net charge-offs to loans | 0.0120% | 3,258 |
| Credit loss provision to net charge-offs | 1,705.8824% | 217 |
| Earnings coverage of net charge-offs (x) | 227.5490% | 361 |
| Efficiency ratio | 53.2056% | 4,499 |
| Assets per employee ($millions) | 13.5915% | 162 |
| Cash dividends to net income (ytd only)* | 30.6287% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 1,865 |
| Loan loss allowance to noncurrent loans | 1,123.3010% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,330 |
| Noncurrent loans to loans | 0.1167% | 4,068 |
| Net loans and leases to total assets | 49.2798% | 4,357 |
| Net loans and leases to deposits | 53.6340% | 4,547 |
| Net loans and leases to core deposits | 56.0109% | 4,580 |
| Total domestic deposits to total assets | 91.8817% | 45 |
| Equity capital to assets | 7.3413% | 5,117 |
| Core capital (leverage) ratio | 9.6727% | 3,876 |
| Tier 1 risk-based capital ratio | 11.1665% | 4,792 |
| Total risk-based capital ratio | 12.2851% | 4,750 |
| Memoranda: | ||
| Average total assets | $694,904,200 | 1,076 |
| Average earning assets | $652,117,000 | 1,061 |
| Average equity | $62,514,000 | 1,345 |
| Average total loans | $424,673,200 | 1,209 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 3,747 |
| Cost of funding earning assets | 0.7485% | 2,974 |
| Net interest margin | 3.5220% | 3,497 |
| Noninterest income to average assets | 0.4656% | 2,927 |
| Noninterest expense to average assets | 2.0437% | 4,465 |
| Loan and lease loss provision to assets | 0.1070% | 1,809 |
| Net operating income to assets | 1.2543% | 2,002 |
| Return on assets (ROA) | 1.2543% | 2,085 |
| Pretax return on assets | 1.6057% | 1,616 |
| Return on Equity (ROE) | 13.1202% | 1,231 |
| Retained earnings to average equity (ytd only) | 9.0511% | 1,029 |
| Net charge-offs to loans | -0.0022% | 4,068 |
| Credit loss provision to net charge-offs | -7,428.5714% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4055% | 4,343 |
| Assets per employee ($millions) | 10.0824% | 344 |
| Cash dividends to net income (ytd only)* | 31.0141% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,258 |
| Loan loss allowance to noncurrent loans | 1,042.3150% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 4,304 |
| Noncurrent loans to loans | 0.1196% | 4,117 |
| Net loans and leases to total assets | 68.5346% | 2,702 |
| Net loans and leases to deposits | 77.0862% | 3,192 |
| Net loans and leases to core deposits | 85.9249% | 2,911 |
| Total domestic deposits to total assets | 88.9065% | 647 |
| Equity capital to assets | 10.0387% | 3,979 |
| Core capital (leverage) ratio | 9.8114% | 3,838 |
| Tier 1 risk-based capital ratio | 12.1042% | 4,364 |
| Total risk-based capital ratio | 13.2796% | 4,295 |
| Memoranda: | ||
| Average total assets | $647,768,000 | 1,147 |
| Average earning assets | $605,246,500 | 1,131 |
| Average equity | $61,928,250 | 1,351 |
| Average total loans | $420,554,750 | 1,221 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,897 |
| Cost of funding earning assets | 0.7316% | 2,989 |
| Net interest margin | 3.4799% | 3,659 |
| Noninterest income to average assets | 0.4147% | 3,172 |
| Noninterest expense to average assets | 2.0480% | 4,521 |
| Loan and lease loss provision to assets | 0.0951% | 1,950 |
| Net operating income to assets | 1.2510% | 1,955 |
| Return on assets (ROA) | 1.2510% | 2,008 |
| Pretax return on assets | 1.5415% | 1,726 |
| Return on Equity (ROE) | 13.3016% | 1,157 |
| Retained earnings to average equity (ytd only) | 9.1722% | 983 |
| Net charge-offs to loans | -0.0024% | 3,991 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5824% | 4,295 |
| Assets per employee ($millions) | 9.1464% | 443 |
| Cash dividends to net income (ytd only)* | 31.0446% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,145 |
| Loan loss allowance to noncurrent loans | 992.6692% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,317 |
| Noncurrent loans to loans | 0.1277% | 4,102 |
| Net loans and leases to total assets | 70.2698% | 2,492 |
| Net loans and leases to deposits | 79.7735% | 2,980 |
| Net loans and leases to core deposits | 89.9003% | 2,611 |
| Total domestic deposits to total assets | 88.0866% | 1,063 |
| Equity capital to assets | 10.7927% | 3,276 |
| Core capital (leverage) ratio | 10.1429% | 3,452 |
| Tier 1 risk-based capital ratio | 12.6771% | 4,030 |
| Total risk-based capital ratio | 13.8647% | 3,957 |
| Memoranda: | ||
| Average total assets | $651,960,670 | 1,143 |
| Average earning assets | $612,608,000 | 1,121 |
| Average equity | $61,316,000 | 1,355 |
| Average total loans | $413,800,330 | 1,243 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 4,631 |
| Cost of funding earning assets | 0.6746% | 3,177 |
| Net interest margin | 3.1727% | 4,448 |
| Noninterest income to average assets | 0.3928% | 3,230 |
| Noninterest expense to average assets | 1.9555% | 4,720 |
| Loan and lease loss provision to assets | 0.0759% | 2,162 |
| Net operating income to assets | 1.0962% | 2,488 |
| Return on assets (ROA) | 1.0962% | 2,532 |
| Pretax return on assets | 1.3647% | 2,215 |
| Return on Equity (ROE) | 12.4401% | 1,403 |
| Retained earnings to average equity (ytd only) | 8.2735% | 1,561 |
| Net charge-offs to loans | -0.0019% | 3,853 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5799% | 4,138 |
| Assets per employee ($millions) | 8.6701% | 534 |
| Cash dividends to net income (ytd only)* | 33.4931% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,302 |
| Loan loss allowance to noncurrent loans | 251.2568% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,184 |
| Noncurrent loans to loans | 0.4989% | 2,815 |
| Net loans and leases to total assets | 70.1838% | 2,451 |
| Net loans and leases to deposits | 79.6550% | 2,880 |
| Net loans and leases to core deposits | 88.3838% | 2,648 |
| Total domestic deposits to total assets | 88.1098% | 1,278 |
| Equity capital to assets | 10.7543% | 3,097 |
| Core capital (leverage) ratio | 10.1940% | 3,390 |
| Tier 1 risk-based capital ratio | 12.7639% | 4,006 |
| Total risk-based capital ratio | 13.9378% | 3,939 |
| Memoranda: | ||
| Average total assets | $685,257,000 | 1,096 |
| Average earning assets | $648,667,000 | 1,070 |
| Average equity | $60,385,500 | 1,369 |
| Average total loans | $412,391,500 | 1,253 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 4,275 |
| Cost of funding earning assets | 0.5422% | 3,098 |
| Net interest margin | 3.3579% | 4,113 |
| Noninterest income to average assets | 0.4088% | 3,388 |
| Noninterest expense to average assets | 2.0187% | 4,718 |
| Loan and lease loss provision to assets | 0.3362% | 461 |
| Net operating income to assets | 0.8941% | 3,458 |
| Return on assets (ROA) | 0.9052% | 3,413 |
| Pretax return on assets | 1.2303% | 2,775 |
| Return on Equity (ROE) | 9.8595% | 2,574 |
| Retained earnings to average equity (ytd only) | 5.6032% | 2,411 |
| Net charge-offs to loans | 0.3205% | 607 |
| Credit loss provision to net charge-offs | 165.6649% | 1,683 |
| Earnings coverage of net charge-offs (x) | 7.6499% | 2,969 |
| Efficiency ratio | 56.5281% | 4,343 |
| Assets per employee ($millions) | 11.0873% | 254 |
| Cash dividends to net income (ytd only)* | 43.1700% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,633 |
| Loan loss allowance to noncurrent loans | 217.5208% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,437 |
| Noncurrent loans to loans | 0.5461% | 2,638 |
| Net loans and leases to total assets | 51.7494% | 4,421 |
| Net loans and leases to deposits | 56.3390% | 4,648 |
| Net loans and leases to core deposits | 60.5548% | 4,607 |
| Total domestic deposits to total assets | 91.8536% | 84 |
| Equity capital to assets | 7.4199% | 5,288 |
| Core capital (leverage) ratio | 9.4565% | 4,165 |
| Tier 1 risk-based capital ratio | 11.4857% | 4,734 |
| Total risk-based capital ratio | 12.5410% | 4,727 |
| Memoranda: | ||
| Average total assets | $655,860,000 | 1,106 |
| Average earning assets | $617,677,000 | 1,087 |
| Average equity | $60,216,000 | 1,318 |
| Average total loans | $415,336,600 | 1,217 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,823 |
| Cost of funding earning assets | 0.5072% | 3,154 |
| Net interest margin | 3.5298% | 3,597 |
| Noninterest income to average assets | 0.4321% | 3,270 |
| Noninterest expense to average assets | 2.1189% | 4,507 |
| Loan and lease loss provision to assets | 0.3988% | 318 |
| Net operating income to assets | 0.9111% | 3,474 |
| Return on assets (ROA) | 0.9125% | 3,476 |
| Pretax return on assets | 1.2285% | 2,885 |
| Return on Equity (ROE) | 9.3610% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.0830% | 3,191 |
| Net charge-offs to loans | 0.4331% | 367 |
| Credit loss provision to net charge-offs | 137.7134% | 1,828 |
| Earnings coverage of net charge-offs (x) | 5.6139% | 2,951 |
| Efficiency ratio | 56.5876% | 4,303 |
| Assets per employee ($millions) | 8.5497% | 524 |
| Cash dividends to net income (ytd only)* | 45.7008% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,340 |
| Loan loss allowance to noncurrent loans | 193.6027% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,072 |
| Noncurrent loans to loans | 0.5538% | 2,723 |
| Net loans and leases to total assets | 71.9434% | 2,335 |
| Net loans and leases to deposits | 81.0541% | 2,919 |
| Net loans and leases to core deposits | 91.0648% | 2,552 |
| Total domestic deposits to total assets | 88.7596% | 930 |
| Equity capital to assets | 10.2892% | 3,346 |
| Core capital (leverage) ratio | 10.5340% | 3,050 |
| Tier 1 risk-based capital ratio | 12.4235% | 4,237 |
| Total risk-based capital ratio | 13.4481% | 4,275 |
| Memoranda: | ||
| Average total assets | $620,253,000 | 1,171 |
| Average earning assets | $582,046,000 | 1,154 |
| Average equity | $60,462,000 | 1,313 |
| Average total loans | $414,652,000 | 1,218 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,129 |
| Cost of funding earning assets | 0.4329% | 3,474 |
| Net interest margin | 3.4467% | 3,811 |
| Noninterest income to average assets | 0.4366% | 3,243 |
| Noninterest expense to average assets | 2.0725% | 4,674 |
| Loan and lease loss provision to assets | 0.4934% | 229 |
| Net operating income to assets | 0.8448% | 3,700 |
| Return on assets (ROA) | 0.8468% | 3,689 |
| Pretax return on assets | 1.1190% | 3,237 |
| Return on Equity (ROE) | 8.8402% | 3,097 |
| Retained earnings to average equity (ytd only) | 4.5509% | 3,319 |
| Net charge-offs to loans | 0.5129% | 296 |
| Credit loss provision to net charge-offs | 147.9543% | 1,591 |
| Earnings coverage of net charge-offs (x) | 4.8278% | 2,766 |
| Efficiency ratio | 56.2812% | 4,446 |
| Assets per employee ($millions) | 7.6341% | 729 |
| Cash dividends to net income (ytd only)* | 48.5200% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,523 |
| Loan loss allowance to noncurrent loans | 169.0949% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 2,778 |
| Noncurrent loans to loans | 0.6222% | 2,554 |
| Net loans and leases to total assets | 78.6356% | 1,223 |
| Net loans and leases to deposits | 89.3178% | 1,934 |
| Net loans and leases to core deposits | 101.5738% | 1,595 |
| Total domestic deposits to total assets | 88.0403% | 1,362 |
| Equity capital to assets | 10.9495% | 2,683 |
| Core capital (leverage) ratio | 10.6947% | 2,815 |
| Tier 1 risk-based capital ratio | 12.3384% | 4,282 |
| Total risk-based capital ratio | 13.3694% | 4,302 |
| Memoranda: | ||
| Average total assets | $630,361,330 | 1,154 |
| Average earning assets | $593,607,670 | 1,131 |
| Average equity | $60,383,000 | 1,312 |
| Average total loans | $409,864,670 | 1,233 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,813 |
| Cost of funding earning assets | 0.3589% | 3,920 |
| Net interest margin | 3.1769% | 4,539 |
| Noninterest income to average assets | 0.4043% | 3,430 |
| Noninterest expense to average assets | 1.9394% | 4,959 |
| Loan and lease loss provision to assets | 0.2117% | 764 |
| Net operating income to assets | 0.9763% | 2,955 |
| Return on assets (ROA) | 0.9763% | 2,983 |
| Pretax return on assets | 1.2619% | 2,503 |
| Return on Equity (ROE) | 10.8263% | 2,038 |
| Retained earnings to average equity (ytd only) | 6.5275% | 2,486 |
| Net charge-offs to loans | -0.0555% | 5,014 |
| Credit loss provision to net charge-offs | -645.4545% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8233% | 4,485 |
| Assets per employee ($millions) | 8.0553% | 617 |
| Cash dividends to net income (ytd only)* | 39.7068% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,344 |
| Loan loss allowance to noncurrent loans | 814.1049% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,604 |
| Noncurrent loans to loans | 0.1357% | 4,359 |
| Net loans and leases to total assets | 70.4522% | 2,396 |
| Net loans and leases to deposits | 79.5516% | 2,863 |
| Net loans and leases to core deposits | 88.2859% | 2,607 |
| Total domestic deposits to total assets | 88.5617% | 1,324 |
| Equity capital to assets | 10.6293% | 2,942 |
| Core capital (leverage) ratio | 10.6727% | 2,769 |
| Tier 1 risk-based capital ratio | 13.3036% | 3,780 |
| Total risk-based capital ratio | 14.3854% | 3,790 |
| Memoranda: | ||
| Average total assets | $670,715,500 | 1,107 |
| Average earning assets | $635,212,500 | 1,080 |
| Average equity | $60,482,500 | 1,321 |
| Average total loans | $396,387,500 | 1,270 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 4,405 |
| Cost of funding earning assets | 0.3068% | 4,067 |
| Net interest margin | 3.3646% | 3,953 |
| Noninterest income to average assets | 0.4687% | 3,200 |
| Noninterest expense to average assets | 2.0129% | 4,937 |
| Loan and lease loss provision to assets | 0.2077% | 971 |
| Net operating income to assets | 0.8284% | 3,044 |
| Return on assets (ROA) | 0.8284% | 3,081 |
| Pretax return on assets | 1.4096% | 1,959 |
| Return on Equity (ROE) | 8.2131% | 2,692 |
| Retained earnings to average equity (ytd only) | 3.9367% | 2,843 |
| Net charge-offs to loans | 0.4926% | 483 |
| Credit loss provision to net charge-offs | 67.7646% | 3,122 |
| Earnings coverage of net charge-offs (x) | 5.2765% | 3,352 |
| Efficiency ratio | 55.3479% | 4,827 |
| Assets per employee ($millions) | 11.6592% | 206 |
| Cash dividends to net income (ytd only)* | 52.0679% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,539 |
| Loan loss allowance to noncurrent loans | 462.8959% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 4,563 |
| Noncurrent loans to loans | 0.2294% | 3,987 |
| Net loans and leases to total assets | 49.5444% | 4,678 |
| Net loans and leases to deposits | 54.1234% | 4,887 |
| Net loans and leases to core deposits | 58.2703% | 4,838 |
| Total domestic deposits to total assets | 91.5396% | 131 |
| Equity capital to assets | 7.8197% | 5,452 |
| Core capital (leverage) ratio | 9.8736% | 3,610 |
| Tier 1 risk-based capital ratio | 12.5312% | 4,189 |
| Total risk-based capital ratio | 13.4849% | 4,275 |
| Memoranda: | ||
| Average total assets | $604,202,800 | 1,187 |
| Average earning assets | $567,733,400 | 1,165 |
| Average equity | $60,939,200 | 1,296 |
| Average total loans | $375,934,200 | 1,299 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,696 |
| Cost of funding earning assets | 0.2965% | 4,166 |
| Net interest margin | 3.5974% | 3,163 |
| Noninterest income to average assets | 0.5083% | 2,984 |
| Noninterest expense to average assets | 2.1217% | 4,686 |
| Loan and lease loss provision to assets | 0.2440% | 716 |
| Net operating income to assets | 0.9314% | 2,877 |
| Return on assets (ROA) | 0.9314% | 2,937 |
| Pretax return on assets | 1.5110% | 1,736 |
| Return on Equity (ROE) | 8.5759% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.2683% | 3,360 |
| Net charge-offs to loans | 0.6610% | 295 |
| Credit loss provision to net charge-offs | 55.6156% | 2,854 |
| Earnings coverage of net charge-offs (x) | 4.0005% | 3,278 |
| Efficiency ratio | 54.5949% | 4,892 |
| Assets per employee ($millions) | 9.2431% | 395 |
| Cash dividends to net income (ytd only)* | 50.2289% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,721 |
| Loan loss allowance to noncurrent loans | 457.6331% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,528 |
| Noncurrent loans to loans | 0.2320% | 4,137 |
| Net loans and leases to total assets | 62.8940% | 3,562 |
| Net loans and leases to deposits | 72.4479% | 3,725 |
| Net loans and leases to core deposits | 84.4163% | 3,097 |
| Total domestic deposits to total assets | 86.8126% | 1,953 |
| Equity capital to assets | 10.6154% | 3,253 |
| Core capital (leverage) ratio | 10.3874% | 3,099 |
| Tier 1 risk-based capital ratio | 14.0296% | 3,429 |
| Total risk-based capital ratio | 15.0300% | 3,470 |
| Memoranda: | ||
| Average total assets | $562,877,500 | 1,270 |
| Average earning assets | $527,035,000 | 1,257 |
| Average equity | $61,130,750 | 1,299 |
| Average total loans | $373,583,250 | 1,316 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 3,729 |
| Cost of funding earning assets | 0.2506% | 4,537 |
| Net interest margin | 3.5966% | 3,056 |
| Noninterest income to average assets | 0.5248% | 2,862 |
| Noninterest expense to average assets | 2.0955% | 4,782 |
| Loan and lease loss provision to assets | 0.3056% | 492 |
| Net operating income to assets | 0.9248% | 2,781 |
| Return on assets (ROA) | 0.9248% | 2,839 |
| Pretax return on assets | 1.5000% | 1,633 |
| Return on Equity (ROE) | 8.4502% | 2,806 |
| Retained earnings to average equity (ytd only) | 4.1222% | 3,255 |
| Net charge-offs to loans | -0.0005% | 4,120 |
| Credit loss provision to net charge-offs | -85,500.0000% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5142% | 5,053 |
| Assets per employee ($millions) | 8.7533% | 455 |
| Cash dividends to net income (ytd only)* | 51.2176% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,655 |
| Loan loss allowance to noncurrent loans | 209.0087% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 3,166 |
| Noncurrent loans to loans | 0.7073% | 2,634 |
| Net loans and leases to total assets | 67.0133% | 2,950 |
| Net loans and leases to deposits | 75.9375% | 3,354 |
| Net loans and leases to core deposits | 89.0578% | 2,609 |
| Total domestic deposits to total assets | 88.2479% | 1,335 |
| Equity capital to assets | 10.9978% | 2,807 |
| Core capital (leverage) ratio | 11.3094% | 2,121 |
| Tier 1 risk-based capital ratio | 13.8666% | 3,491 |
| Total risk-based capital ratio | 15.1188% | 3,418 |
| Memoranda: | ||
| Average total assets | $559,479,670 | 1,287 |
| Average earning assets | $525,220,000 | 1,262 |
| Average equity | $61,229,670 | 1,297 |
| Average total loans | $376,679,670 | 1,309 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 3,872 |
| Cost of funding earning assets | 0.2330% | 4,690 |
| Net interest margin | 3.5364% | 3,139 |
| Noninterest income to average assets | 0.6744% | 2,064 |
| Noninterest expense to average assets | 2.1793% | 4,703 |
| Loan and lease loss provision to assets | 0.0710% | 2,385 |
| Net operating income to assets | 1.0712% | 1,977 |
| Return on assets (ROA) | 1.0712% | 2,022 |
| Pretax return on assets | 1.7534% | 898 |
| Return on Equity (ROE) | 9.8114% | 2,048 |
| Retained earnings to average equity (ytd only) | 5.5331% | 2,580 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0426% | 5,122 |
| Assets per employee ($millions) | 7.9743% | 629 |
| Cash dividends to net income (ytd only)* | 43.6050% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.5104% | 1,820 |
| Net loans and leases to deposits | 84.4340% | 2,230 |
| Net loans and leases to core deposits | 98.5231% | 1,617 |
| Total domestic deposits to total assets | 87.0627% | 2,183 |
| Equity capital to assets | 12.1342% | 1,750 |
| Core capital (leverage) ratio | 12.0603% | 1,588 |
| Tier 1 risk-based capital ratio | 14.3710% | 3,275 |
| Total risk-based capital ratio | 15.6140% | 3,199 |
| Memoranda: | ||
| Average total assets | $563,490,500 | 1,277 |
| Average earning assets | $530,484,500 | 1,251 |
| Average equity | $61,520,500 | 1,292 |
| Average total loans | $377,472,000 | 1,313 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,566 |
| Cost of funding earning assets | 0.2291% | 4,747 |
| Net interest margin | 3.6721% | 2,810 |
| Noninterest income to average assets | 0.4467% | 3,570 |
| Noninterest expense to average assets | 2.3664% | 4,378 |
| Loan and lease loss provision to assets | 0.0431% | 3,522 |
| Net operating income to assets | 0.9166% | 2,740 |
| Return on assets (ROA) | 0.9247% | 2,819 |
| Pretax return on assets | 1.4989% | 1,587 |
| Return on Equity (ROE) | 7.9268% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.9268% | 876 |
| Net charge-offs to loans | -0.0821% | 5,524 |
| Credit loss provision to net charge-offs | -77.8547% | 4,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4260% | 4,676 |
| Assets per employee ($millions) | 10.1094% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 60.0488% | 3,847 |
| Net loans and leases to deposits | 67.1038% | 4,160 |
| Net loans and leases to core deposits | 74.4168% | 3,889 |
| Total domestic deposits to total assets | 89.4865% | 867 |
| Equity capital to assets | 9.9173% | 3,802 |
| Core capital (leverage) ratio | 11.7218% | 1,779 |
| Tier 1 risk-based capital ratio | 13.9834% | 3,473 |
| Total risk-based capital ratio | 15.1800% | 3,415 |
| Memoranda: | ||
| Average total assets | $522,313,200 | 1,315 |
| Average earning assets | $490,590,800 | 1,291 |
| Average equity | $60,932,400 | 1,276 |
| Average total loans | $352,037,400 | 1,332 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,180 |
| Cost of funding earning assets | 0.2367% | 4,731 |
| Net interest margin | 3.7761% | 2,422 |
| Noninterest income to average assets | 0.4713% | 3,422 |
| Noninterest expense to average assets | 2.4440% | 4,151 |
| Loan and lease loss provision to assets | 0.0468% | 3,313 |
| Net operating income to assets | 0.9386% | 2,710 |
| Return on assets (ROA) | 0.9386% | 2,838 |
| Pretax return on assets | 1.5198% | 1,652 |
| Return on Equity (ROE) | 7.6897% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.6897% | 1,321 |
| Net charge-offs to loans | -0.0277% | 5,132 |
| Credit loss provision to net charge-offs | -243.0556% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5987% | 4,598 |
| Assets per employee ($millions) | 7.7676% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.6397% | 1,583 |
| Net loans and leases to deposits | 88.5217% | 1,948 |
| Net loans and leases to core deposits | 101.6393% | 1,508 |
| Total domestic deposits to total assets | 85.4477% | 2,625 |
| Equity capital to assets | 12.6864% | 1,656 |
| Core capital (leverage) ratio | 12.0216% | 1,663 |
| Tier 1 risk-based capital ratio | 14.7099% | 3,187 |
| Total risk-based capital ratio | 15.8994% | 3,157 |
| Memoranda: | ||
| Average total assets | $498,723,500 | 1,384 |
| Average earning assets | $467,452,500 | 1,356 |
| Average equity | $60,876,250 | 1,283 |
| Average total loans | $346,298,500 | 1,351 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 3,659 |
| Cost of funding earning assets | 0.2320% | 4,830 |
| Net interest margin | 3.6472% | 2,906 |
| Noninterest income to average assets | 0.4974% | 3,212 |
| Noninterest expense to average assets | 2.3928% | 4,355 |
| Loan and lease loss provision to assets | 0.0399% | 3,357 |
| Net operating income to assets | 0.9202% | 2,769 |
| Return on assets (ROA) | 0.9202% | 2,906 |
| Pretax return on assets | 1.4917% | 1,690 |
| Return on Equity (ROE) | 7.6363% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.6363% | 1,320 |
| Net charge-offs to loans | -0.0338% | 5,182 |
| Credit loss provision to net charge-offs | -175.4386% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6121% | 4,693 |
| Assets per employee ($millions) | 7.7566% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 69.3413% | 2,576 |
| Net loans and leases to deposits | 79.5860% | 2,985 |
| Net loans and leases to core deposits | 91.1640% | 2,423 |
| Total domestic deposits to total assets | 87.1275% | 1,851 |
| Equity capital to assets | 12.2991% | 1,905 |
| Core capital (leverage) ratio | 12.6754% | 1,273 |
| Tier 1 risk-based capital ratio | 15.1012% | 3,036 |
| Total risk-based capital ratio | 16.2982% | 2,998 |
| Memoranda: | ||
| Average total assets | $501,845,330 | 1,377 |
| Average earning assets | $471,544,000 | 1,348 |
| Average equity | $60,474,330 | 1,290 |
| Average total loans | $336,874,330 | 1,385 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 3,766 |
| Cost of funding earning assets | 0.2284% | 4,919 |
| Net interest margin | 3.6215% | 2,999 |
| Noninterest income to average assets | 0.4426% | 3,536 |
| Noninterest expense to average assets | 2.4718% | 4,157 |
| Loan and lease loss provision to assets | 0.0200% | 3,431 |
| Net operating income to assets | 0.8413% | 3,025 |
| Return on assets (ROA) | 0.8413% | 3,158 |
| Pretax return on assets | 1.3582% | 2,059 |
| Return on Equity (ROE) | 7.0544% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.0544% | 1,857 |
| Net charge-offs to loans | -0.0207% | 4,880 |
| Credit loss provision to net charge-offs | -147.0588% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8139% | 4,323 |
| Assets per employee ($millions) | 8.1486% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.1709% | 2,627 |
| Net loans and leases to deposits | 78.6458% | 2,930 |
| Net loans and leases to core deposits | 90.4891% | 2,326 |
| Total domestic deposits to total assets | 86.6809% | 2,367 |
| Equity capital to assets | 12.7737% | 1,522 |
| Core capital (leverage) ratio | 12.2574% | 1,459 |
| Tier 1 risk-based capital ratio | 15.8734% | 2,751 |
| Total risk-based capital ratio | 17.1243% | 2,678 |
| Memoranda: | ||
| Average total assets | $500,680,000 | 1,383 |
| Average earning assets | $471,076,500 | 1,348 |
| Average equity | $59,707,000 | 1,302 |
| Average total loans | $328,344,500 | 1,410 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,430 |
| Cost of funding earning assets | 0.2840% | 4,429 |
| Net interest margin | 3.9527% | 1,861 |
| Noninterest income to average assets | 0.7416% | 2,017 |
| Noninterest expense to average assets | 2.7743% | 3,335 |
| Loan and lease loss provision to assets | 0.0845% | 2,605 |
| Net operating income to assets | 0.8696% | 3,021 |
| Return on assets (ROA) | 0.8885% | 3,016 |
| Pretax return on assets | 1.4204% | 1,823 |
| Return on Equity (ROE) | 7.2366% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.2366% | 1,185 |
| Net charge-offs to loans | -0.0698% | 5,666 |
| Credit loss provision to net charge-offs | -182.7103% | 5,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9203% | 4,284 |
| Assets per employee ($millions) | 8.6679% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 3,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 61.6764% | 3,609 |
| Net loans and leases to deposits | 69.8706% | 3,935 |
| Net loans and leases to core deposits | 79.4546% | 3,398 |
| Total domestic deposits to total assets | 88.2723% | 1,495 |
| Equity capital to assets | 11.1668% | 2,660 |
| Core capital (leverage) ratio | 11.4459% | 2,003 |
| Tier 1 risk-based capital ratio | 14.9491% | 3,201 |
| Total risk-based capital ratio | 16.1612% | 3,149 |
| Memoranda: | ||
| Average total assets | $462,673,800 | 1,455 |
| Average earning assets | $410,633,800 | 1,500 |
| Average equity | $56,808,400 | 1,313 |
| Average total loans | $306,631,800 | 1,446 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 1,959 |
| Cost of funding earning assets | 0.3026% | 4,315 |
| Net interest margin | 4.0859% | 1,442 |
| Noninterest income to average assets | 0.7812% | 1,879 |
| Noninterest expense to average assets | 2.7828% | 3,262 |
| Loan and lease loss provision to assets | 0.0944% | 2,280 |
| Net operating income to assets | 0.9148% | 2,891 |
| Return on assets (ROA) | 0.9410% | 2,859 |
| Pretax return on assets | 1.5077% | 1,664 |
| Return on Equity (ROE) | 7.4641% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.4641% | 1,468 |
| Net charge-offs to loans | -0.0621% | 5,616 |
| Credit loss provision to net charge-offs | -225.7143% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6789% | 4,462 |
| Assets per employee ($millions) | 7.9953% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 3,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.4573% | 2,612 |
| Net loans and leases to deposits | 78.5819% | 3,040 |
| Net loans and leases to core deposits | 90.0331% | 2,465 |
| Total domestic deposits to total assets | 87.1158% | 1,973 |
| Equity capital to assets | 12.3099% | 1,869 |
| Core capital (leverage) ratio | 11.6433% | 1,923 |
| Tier 1 risk-based capital ratio | 15.4527% | 3,074 |
| Total risk-based capital ratio | 16.6852% | 3,006 |
| Memoranda: | ||
| Average total assets | $446,157,500 | 1,514 |
| Average earning assets | $389,039,750 | 1,580 |
| Average equity | $56,249,750 | 1,339 |
| Average total loans | $300,719,250 | 1,475 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 1,759 |
| Cost of funding earning assets | 0.3234% | 4,110 |
| Net interest margin | 4.1042% | 1,338 |
| Noninterest income to average assets | 0.7637% | 1,931 |
| Noninterest expense to average assets | 2.8069% | 3,211 |
| Loan and lease loss provision to assets | 0.0827% | 2,460 |
| Net operating income to assets | 0.8794% | 2,990 |
| Return on assets (ROA) | 0.9195% | 2,913 |
| Pretax return on assets | 1.4688% | 1,733 |
| Return on Equity (ROE) | 7.2318% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.2318% | 1,602 |
| Net charge-offs to loans | -0.0260% | 5,271 |
| Credit loss provision to net charge-offs | -476.3158% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9149% | 4,371 |
| Assets per employee ($millions) | 7.4039% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 3,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 64.2802% | 3,231 |
| Net loans and leases to deposits | 73.6973% | 3,525 |
| Net loans and leases to core deposits | 85.9494% | 2,772 |
| Total domestic deposits to total assets | 87.2219% | 2,049 |
| Equity capital to assets | 12.3104% | 1,792 |
| Core capital (leverage) ratio | 12.4216% | 1,419 |
| Tier 1 risk-based capital ratio | 16.4257% | 2,647 |
| Total risk-based capital ratio | 17.6795% | 2,603 |
| Memoranda: | ||
| Average total assets | $437,635,000 | 1,544 |
| Average earning assets | $376,634,330 | 1,638 |
| Average equity | $55,643,330 | 1,359 |
| Average total loans | $291,973,670 | 1,512 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,412 |
| Cost of funding earning assets | 0.3276% | 4,127 |
| Net interest margin | 4.1906% | 1,080 |
| Noninterest income to average assets | 0.8095% | 1,679 |
| Noninterest expense to average assets | 2.8342% | 3,123 |
| Loan and lease loss provision to assets | 0.1696% | 1,173 |
| Net operating income to assets | 0.8557% | 2,983 |
| Return on assets (ROA) | 0.9379% | 2,705 |
| Pretax return on assets | 1.4934% | 1,588 |
| Return on Equity (ROE) | 7.2523% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.2523% | 1,885 |
| Net charge-offs to loans | -0.0152% | 4,919 |
| Credit loss provision to net charge-offs | -1,645.4545% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4356% | 4,565 |
| Assets per employee ($millions) | 6.7390% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 3,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.3725% | 2,551 |
| Net loans and leases to deposits | 78.2426% | 2,768 |
| Net loans and leases to core deposits | 91.2507% | 2,002 |
| Total domestic deposits to total assets | 86.1072% | 2,883 |
| Equity capital to assets | 12.9255% | 1,441 |
| Core capital (leverage) ratio | 12.2719% | 1,472 |
| Tier 1 risk-based capital ratio | 16.2062% | 2,819 |
| Total risk-based capital ratio | 17.4564% | 2,766 |
| Memoranda: | ||
| Average total assets | $426,931,500 | 1,584 |
| Average earning assets | $362,624,000 | 1,694 |
| Average equity | $55,210,000 | 1,378 |
| Average total loans | $288,529,500 | 1,521 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 1,594 |
| Cost of funding earning assets | 0.3660% | 4,075 |
| Net interest margin | 4.2228% | 1,238 |
| Noninterest income to average assets | 0.7850% | 1,931 |
| Noninterest expense to average assets | 3.2166% | 2,171 |
| Loan and lease loss provision to assets | 0.1371% | 1,919 |
| Net operating income to assets | 1.3105% | 1,285 |
| Return on assets (ROA) | 1.3568% | 1,220 |
| Pretax return on assets | 1.1388% | 2,934 |
| Return on Equity (ROE) | 9.7361% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.7361% | 563 |
| Net charge-offs to loans | -0.0151% | 5,647 |
| Credit loss provision to net charge-offs | -1,358.9744% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7870% | 3,421 |
| Assets per employee ($millions) | 6.7085% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 3,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 66.0505% | 2,872 |
| Net loans and leases to deposits | 78.2550% | 2,944 |
| Net loans and leases to core deposits | 92.0395% | 2,079 |
| Total domestic deposits to total assets | 84.4042% | 3,554 |
| Equity capital to assets | 12.9682% | 1,388 |
| Core capital (leverage) ratio | 12.7186% | 1,245 |
| Tier 1 risk-based capital ratio | 16.3396% | 2,794 |
| Total risk-based capital ratio | 17.5762% | 2,743 |
| Memoranda: | ||
| Average total assets | $386,648,600 | 1,691 |
| Average earning assets | $335,230,400 | 1,792 |
| Average equity | $53,882,000 | 1,355 |
| Average total loans | $257,847,200 | 1,643 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,654 |
| Cost of funding earning assets | 0.3692% | 4,132 |
| Net interest margin | 4.1971% | 1,299 |
| Noninterest income to average assets | 0.7301% | 2,186 |
| Noninterest expense to average assets | 2.9589% | 2,935 |
| Loan and lease loss provision to assets | 0.1606% | 1,549 |
| Net operating income to assets | 1.3031% | 1,360 |
| Return on assets (ROA) | 1.3667% | 1,243 |
| Pretax return on assets | 1.3667% | 2,132 |
| Return on Equity (ROE) | 9.6200% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.6200% | 801 |
| Net charge-offs to loans | 0.0233% | 4,049 |
| Credit loss provision to net charge-offs | 1,034.0909% | 317 |
| Earnings coverage of net charge-offs (x) | 94.2195% | 610 |
| Efficiency ratio | 65.2990% | 4,324 |
| Assets per employee ($millions) | 6.0347% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 3,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 68.8988% | 2,389 |
| Net loans and leases to deposits | 80.7694% | 2,577 |
| Net loans and leases to core deposits | 96.0702% | 1,669 |
| Total domestic deposits to total assets | 85.3031% | 3,212 |
| Equity capital to assets | 13.9606% | 1,021 |
| Core capital (leverage) ratio | 13.1058% | 1,136 |
| Tier 1 risk-based capital ratio | 17.0095% | 2,618 |
| Total risk-based capital ratio | 18.2525% | 2,576 |
| Memoranda: | ||
| Average total assets | $377,652,250 | 1,746 |
| Average earning assets | $332,253,500 | 1,818 |
| Average equity | $53,650,500 | 1,367 |
| Average total loans | $251,628,500 | 1,688 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 1,691 |
| Cost of funding earning assets | 0.3797% | 4,107 |
| Net interest margin | 4.1613% | 1,345 |
| Noninterest income to average assets | 0.7268% | 2,158 |
| Noninterest expense to average assets | 2.9493% | 3,002 |
| Loan and lease loss provision to assets | 0.1761% | 1,394 |
| Net operating income to assets | 1.2508% | 1,444 |
| Return on assets (ROA) | 1.3469% | 1,237 |
| Pretax return on assets | 1.3469% | 2,095 |
| Return on Equity (ROE) | 9.4248% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.4248% | 854 |
| Net charge-offs to loans | 0.0261% | 3,673 |
| Credit loss provision to net charge-offs | 1,031.2500% | 319 |
| Earnings coverage of net charge-offs (x) | 83.5625% | 635 |
| Efficiency ratio | 65.7603% | 4,393 |
| Assets per employee ($millions) | 5.9208% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.5427% | 2,320 |
| Net loans and leases to deposits | 84.8073% | 1,951 |
| Net loans and leases to core deposits | 102.1751% | 1,123 |
| Total domestic deposits to total assets | 80.8218% | 5,038 |
| Equity capital to assets | 14.1361% | 920 |
| Core capital (leverage) ratio | 13.0625% | 1,134 |
| Tier 1 risk-based capital ratio | 17.2122% | 2,531 |
| Total risk-based capital ratio | 18.4347% | 2,506 |
| Memoranda: | ||
| Average total assets | $374,795,330 | 1,753 |
| Average earning assets | $328,695,330 | 1,830 |
| Average equity | $53,561,000 | 1,356 |
| Average total loans | $245,666,330 | 1,722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 2,156 |
| Cost of funding earning assets | 0.3901% | 4,089 |
| Net interest margin | 4.0047% | 1,742 |
| Noninterest income to average assets | 0.6546% | 2,435 |
| Noninterest expense to average assets | 2.9265% | 3,130 |
| Loan and lease loss provision to assets | 0.0698% | 2,739 |
| Net operating income to assets | 1.1837% | 1,531 |
| Return on assets (ROA) | 1.1837% | 1,598 |
| Pretax return on assets | 1.1837% | 2,555 |
| Return on Equity (ROE) | 8.2377% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.2377% | 1,515 |
| Net charge-offs to loans | -0.0304% | 5,561 |
| Credit loss provision to net charge-offs | -361.1111% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2927% | 4,133 |
| Assets per employee ($millions) | 6.0487% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 62.9656% | 3,077 |
| Net loans and leases to deposits | 73.8920% | 3,074 |
| Net loans and leases to core deposits | 87.9989% | 2,096 |
| Total domestic deposits to total assets | 85.2130% | 3,772 |
| Equity capital to assets | 14.1268% | 880 |
| Core capital (leverage) ratio | 13.5217% | 968 |
| Tier 1 risk-based capital ratio | 17.9501% | 2,319 |
| Total risk-based capital ratio | 19.1465% | 2,316 |
| Memoranda: | ||
| Average total assets | $372,728,000 | 1,766 |
| Average earning assets | $328,113,500 | 1,834 |
| Average equity | $53,558,500 | 1,355 |
| Average total loans | $236,985,500 | 1,776 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,703 |
| Cost of funding earning assets | 0.5075% | 3,532 |
| Net interest margin | 3.8597% | 2,432 |
| Noninterest income to average assets | 1.2385% | 909 |
| Noninterest expense to average assets | 3.2462% | 2,291 |
| Loan and lease loss provision to assets | 0.0804% | 3,501 |
| Net operating income to assets | 1.3034% | 1,239 |
| Return on assets (ROA) | 1.3031% | 1,282 |
| Pretax return on assets | 1.3031% | 2,133 |
| Return on Equity (ROE) | 8.7297% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.7297% | 842 |
| Net charge-offs to loans | 0.2308% | 2,612 |
| Credit loss provision to net charge-offs | 60.3448% | 3,553 |
| Earnings coverage of net charge-offs (x) | 10.3858% | 2,379 |
| Efficiency ratio | 68.4508% | 4,113 |
| Assets per employee ($millions) | 5.7839% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 62.5554% | 3,286 |
| Net loans and leases to deposits | 73.9808% | 3,258 |
| Net loans and leases to core deposits | 89.1440% | 2,122 |
| Total domestic deposits to total assets | 84.5562% | 3,941 |
| Equity capital to assets | 14.6230% | 753 |
| Core capital (leverage) ratio | 13.6943% | 903 |
| Tier 1 risk-based capital ratio | 18.7690% | 1,988 |
| Total risk-based capital ratio | 19.9778% | 1,962 |
| Memoranda: | ||
| Average total assets | $348,255,600 | 1,856 |
| Average earning assets | $306,008,600 | 1,934 |
| Average equity | $51,983,200 | 1,367 |
| Average total loans | $200,999,200 | 1,992 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,826 |
| Cost of funding earning assets | 0.5154% | 3,620 |
| Net interest margin | 3.8269% | 2,552 |
| Noninterest income to average assets | 1.5389% | 617 |
| Noninterest expense to average assets | 3.1831% | 2,412 |
| Loan and lease loss provision to assets | 0.0813% | 3,435 |
| Net operating income to assets | 1.6191% | 724 |
| Return on assets (ROA) | 1.6191% | 766 |
| Pretax return on assets | 1.6191% | 1,297 |
| Return on Equity (ROE) | 10.7886% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.7886% | 619 |
| Net charge-offs to loans | 0.2274% | 2,445 |
| Credit loss provision to net charge-offs | 63.6364% | 3,213 |
| Earnings coverage of net charge-offs (x) | 13.3030% | 2,040 |
| Efficiency ratio | 63.5866% | 4,872 |
| Assets per employee ($millions) | 5.8063% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 3,613 |
| Loan loss allowance to noncurrent loans | 4,316.9014% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,148 |
| Noncurrent loans to loans | 0.0340% | 6,238 |
| Net loans and leases to total assets | 58.1433% | 3,989 |
| Net loans and leases to deposits | 69.1665% | 3,912 |
| Net loans and leases to core deposits | 84.3836% | 2,609 |
| Total domestic deposits to total assets | 84.0627% | 4,160 |
| Equity capital to assets | 15.1038% | 695 |
| Core capital (leverage) ratio | 14.4103% | 756 |
| Tier 1 risk-based capital ratio | 19.8470% | 1,770 |
| Total risk-based capital ratio | 21.1001% | 1,740 |
| Memoranda: | ||
| Average total assets | $344,223,000 | 1,889 |
| Average earning assets | $300,849,000 | 1,977 |
| Average equity | $51,658,000 | 1,384 |
| Average total loans | $193,513,000 | 2,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,867 |
| Cost of funding earning assets | 0.5357% | 3,542 |
| Net interest margin | 3.7839% | 2,616 |
| Noninterest income to average assets | 1.8621% | 494 |
| Noninterest expense to average assets | 3.3177% | 2,026 |
| Loan and lease loss provision to assets | 0.1232% | 2,781 |
| Net operating income to assets | 1.7072% | 614 |
| Return on assets (ROA) | 1.7072% | 668 |
| Pretax return on assets | 1.7072% | 1,097 |
| Return on Equity (ROE) | 11.4016% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.4016% | 584 |
| Net charge-offs to loans | 0.4077% | 1,586 |
| Credit loss provision to net charge-offs | 54.6875% | 3,126 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 2,451 |
| Efficiency ratio | 62.9174% | 5,029 |
| Assets per employee ($millions) | 6.1591% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,159 |
| Loan loss allowance to noncurrent loans | 3,542.3529% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 6,176 |
| Noncurrent loans to loans | 0.0452% | 6,256 |
| Net loans and leases to total assets | 54.6246% | 4,504 |
| Net loans and leases to deposits | 65.7516% | 4,292 |
| Net loans and leases to core deposits | 82.3756% | 2,762 |
| Total domestic deposits to total assets | 83.0773% | 4,673 |
| Equity capital to assets | 15.3744% | 642 |
| Core capital (leverage) ratio | 14.3200% | 745 |
| Tier 1 risk-based capital ratio | 21.1702% | 1,456 |
| Total risk-based capital ratio | 22.4221% | 1,423 |
| Memoranda: | ||
| Average total assets | $340,903,330 | 1,907 |
| Average earning assets | $296,041,000 | 2,008 |
| Average equity | $51,045,670 | 1,402 |
| Average total loans | $188,351,330 | 2,117 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,792 |
| Cost of funding earning assets | 0.5534% | 3,539 |
| Net interest margin | 3.7698% | 2,568 |
| Noninterest income to average assets | 1.8305% | 491 |
| Noninterest expense to average assets | 3.1300% | 2,578 |
| Loan and lease loss provision to assets | 0.1871% | 1,967 |
| Net operating income to assets | 1.7802% | 489 |
| Return on assets (ROA) | 1.7802% | 545 |
| Pretax return on assets | 1.7802% | 918 |
| Return on Equity (ROE) | 12.0488% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.0488% | 697 |
| Net charge-offs to loans | 0.3056% | 1,740 |
| Credit loss provision to net charge-offs | 111.1111% | 1,681 |
| Earnings coverage of net charge-offs (x) | 11.6806% | 1,653 |
| Efficiency ratio | 59.8669% | 5,605 |
| Assets per employee ($millions) | 6.6123% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 3,091 |
| Loan loss allowance to noncurrent loans | 3,369.4737% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 6,247 |
| Noncurrent loans to loans | 0.0499% | 6,332 |
| Net loans and leases to total assets | 55.5445% | 4,166 |
| Net loans and leases to deposits | 66.2006% | 4,026 |
| Net loans and leases to core deposits | 82.4464% | 2,517 |
| Total domestic deposits to total assets | 83.9033% | 4,519 |
| Equity capital to assets | 15.2302% | 705 |
| Core capital (leverage) ratio | 13.6708% | 885 |
| Tier 1 risk-based capital ratio | 19.9748% | 1,780 |
| Total risk-based capital ratio | 21.2303% | 1,747 |
| Memoranda: | ||
| Average total assets | $341,979,000 | 1,926 |
| Average earning assets | $296,356,000 | 2,028 |
| Average equity | $50,528,000 | 1,439 |
| Average total loans | $188,500,500 | 2,130 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 4,239 |
| Cost of funding earning assets | 0.7811% | 2,822 |
| Net interest margin | 3.5062% | 4,479 |
| Noninterest income to average assets | 1.2271% | 1,033 |
| Noninterest expense to average assets | 3.1057% | 2,902 |
| Loan and lease loss provision to assets | 0.1988% | 3,152 |
| Net operating income to assets | 1.0764% | 2,027 |
| Return on assets (ROA) | 1.2965% | 1,463 |
| Pretax return on assets | 1.2965% | 2,419 |
| Return on Equity (ROE) | 8.8772% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.8772% | 863 |
| Net charge-offs to loans | 0.3391% | 2,939 |
| Credit loss provision to net charge-offs | 114.1593% | 2,548 |
| Earnings coverage of net charge-offs (x) | 7.3239% | 2,631 |
| Efficiency ratio | 69.0068% | 3,972 |
| Assets per employee ($millions) | 6.9347% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 2,902 |
| Loan loss allowance to noncurrent loans | 1,170.9559% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 6,167 |
| Noncurrent loans to loans | 0.1459% | 6,114 |
| Net loans and leases to total assets | 52.8663% | 4,780 |
| Net loans and leases to deposits | 63.5007% | 4,601 |
| Net loans and leases to core deposits | 77.4864% | 3,337 |
| Total domestic deposits to total assets | 83.2531% | 4,620 |
| Equity capital to assets | 14.3326% | 926 |
| Core capital (leverage) ratio | 13.0997% | 1,077 |
| Tier 1 risk-based capital ratio | 19.8562% | 1,714 |
| Total risk-based capital ratio | 21.1094% | 1,685 |
| Memoranda: | ||
| Average total assets | $324,495,400 | 1,986 |
| Average earning assets | $291,884,200 | 2,028 |
| Average equity | $47,391,000 | 1,473 |
| Average total loans | $166,594,200 | 2,349 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 4,631 |
| Cost of funding earning assets | 0.8205% | 2,771 |
| Net interest margin | 3.4331% | 4,911 |
| Noninterest income to average assets | 1.0919% | 1,261 |
| Noninterest expense to average assets | 3.0593% | 3,022 |
| Loan and lease loss provision to assets | 0.1965% | 3,121 |
| Net operating income to assets | 0.9619% | 2,696 |
| Return on assets (ROA) | 1.2604% | 1,704 |
| Pretax return on assets | 1.2604% | 2,751 |
| Return on Equity (ROE) | 8.5868% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.5868% | 1,381 |
| Net charge-offs to loans | 0.3531% | 2,690 |
| Credit loss provision to net charge-offs | 109.8131% | 2,675 |
| Earnings coverage of net charge-offs (x) | 6.4743% | 2,782 |
| Efficiency ratio | 70.5422% | 3,584 |
| Assets per employee ($millions) | 6.5341% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,042 |
| Loan loss allowance to noncurrent loans | 1,316.7364% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 6,081 |
| Noncurrent loans to loans | 0.1314% | 6,274 |
| Net loans and leases to total assets | 52.6070% | 4,966 |
| Net loans and leases to deposits | 61.9558% | 4,972 |
| Net loans and leases to core deposits | 76.5874% | 3,663 |
| Total domestic deposits to total assets | 84.9106% | 3,781 |
| Equity capital to assets | 14.3242% | 1,027 |
| Core capital (leverage) ratio | 12.6946% | 1,321 |
| Tier 1 risk-based capital ratio | 19.4675% | 1,887 |
| Total risk-based capital ratio | 20.7205% | 1,861 |
| Memoranda: | ||
| Average total assets | $318,936,000 | 2,031 |
| Average earning assets | $290,383,750 | 2,061 |
| Average equity | $46,814,750 | 1,508 |
| Average total loans | $161,620,250 | 2,433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 4,571 |
| Cost of funding earning assets | 0.8460% | 2,827 |
| Net interest margin | 3.4549% | 4,860 |
| Noninterest income to average assets | 0.6558% | 2,924 |
| Noninterest expense to average assets | 3.1136% | 2,886 |
| Loan and lease loss provision to assets | 0.1250% | 3,962 |
| Net operating income to assets | 0.5667% | 4,506 |
| Return on assets (ROA) | 1.0244% | 2,587 |
| Pretax return on assets | 1.0244% | 3,619 |
| Return on Equity (ROE) | 6.9183% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.9183% | 2,149 |
| Net charge-offs to loans | 0.2828% | 2,904 |
| Credit loss provision to net charge-offs | 89.0411% | 3,074 |
| Earnings coverage of net charge-offs (x) | 4.9269% | 2,956 |
| Efficiency ratio | 79.5654% | 2,258 |
| Assets per employee ($millions) | 6.3014% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8785% | 2,618 |
| Loan loss allowance to noncurrent loans | 713.1944% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 5,911 |
| Noncurrent loans to loans | 0.2634% | 6,056 |
| Net loans and leases to total assets | 49.1133% | 5,469 |
| Net loans and leases to deposits | 57.7861% | 5,471 |
| Net loans and leases to core deposits | 72.3420% | 4,260 |
| Total domestic deposits to total assets | 84.9915% | 3,870 |
| Equity capital to assets | 14.2715% | 990 |
| Core capital (leverage) ratio | 13.3753% | 1,025 |
| Tier 1 risk-based capital ratio | 20.2693% | 1,646 |
| Total risk-based capital ratio | 21.5235% | 1,608 |
| Memoranda: | ||
| Average total assets | $311,990,000 | 2,080 |
| Average earning assets | $284,411,670 | 2,096 |
| Average equity | $46,196,330 | 1,509 |
| Average total loans | $154,863,000 | 2,537 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 4,438 |
| Cost of funding earning assets | 0.8762% | 2,860 |
| Net interest margin | 3.4976% | 4,715 |
| Noninterest income to average assets | 0.5471% | 3,585 |
| Noninterest expense to average assets | 3.3194% | 2,233 |
| Loan and lease loss provision to assets | 0.1578% | 3,406 |
| Net operating income to assets | 0.2722% | 5,740 |
| Return on assets (ROA) | 0.7667% | 3,771 |
| Pretax return on assets | 0.7667% | 4,543 |
| Return on Equity (ROE) | 5.0792% | 4,751 |
| Retained earnings to average equity (ytd only) | 5.0792% | 3,508 |
| Net charge-offs to loans | 1.1924% | 859 |
| Credit loss provision to net charge-offs | 26.7857% | 3,674 |
| Earnings coverage of net charge-offs (x) | 0.7299% | 3,970 |
| Efficiency ratio | 86.1803% | 1,465 |
| Assets per employee ($millions) | 5.7664% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,882 |
| Loan loss allowance to noncurrent loans | 206.6220% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 4,875 |
| Noncurrent loans to loans | 0.8881% | 4,891 |
| Net loans and leases to total assets | 47.7103% | 5,597 |
| Net loans and leases to deposits | 56.8307% | 5,509 |
| Net loans and leases to core deposits | 73.2001% | 3,992 |
| Total domestic deposits to total assets | 83.9515% | 4,515 |
| Equity capital to assets | 14.8342% | 775 |
| Core capital (leverage) ratio | 13.6430% | 893 |
| Tier 1 risk-based capital ratio | 21.3436% | 1,410 |
| Total risk-based capital ratio | 22.5975% | 1,386 |
| Memoranda: | ||
| Average total assets | $304,147,500 | 2,139 |
| Average earning assets | $278,476,000 | 2,137 |
| Average equity | $45,912,500 | 1,515 |
| Average total loans | $150,288,000 | 2,627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 4,866 |
| Cost of funding earning assets | 1.0066% | 3,329 |
| Net interest margin | 3.5469% | 4,952 |
| Noninterest income to average assets | 0.5355% | 3,616 |
| Noninterest expense to average assets | 3.3777% | 2,297 |
| Loan and lease loss provision to assets | 0.0625% | 5,826 |
| Net operating income to assets | 0.3444% | 5,094 |
| Return on assets (ROA) | 0.4625% | 4,780 |
| Pretax return on assets | 0.4625% | 5,097 |
| Return on Equity (ROE) | 3.1632% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.1632% | 3,969 |
| Net charge-offs to loans | 1.1705% | 1,446 |
| Credit loss provision to net charge-offs | 11.0981% | 6,001 |
| Earnings coverage of net charge-offs (x) | 0.7225% | 5,272 |
| Efficiency ratio | 86.6754% | 1,480 |
| Assets per employee ($millions) | 5.6020% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0806% | 2,062 |
| Loan loss allowance to noncurrent loans | 123.5575% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 3,968 |
| Noncurrent loans to loans | 1.6839% | 3,633 |
| Net loans and leases to total assets | 49.2174% | 5,693 |
| Net loans and leases to deposits | 58.7195% | 5,631 |
| Net loans and leases to core deposits | 77.5670% | 3,739 |
| Total domestic deposits to total assets | 83.8178% | 4,405 |
| Equity capital to assets | 15.3695% | 700 |
| Core capital (leverage) ratio | 13.7462% | 882 |
| Tier 1 risk-based capital ratio | 21.2515% | 1,370 |
| Total risk-based capital ratio | 22.5072% | 1,343 |
| Memoranda: | ||
| Average total assets | $303,992,200 | 2,112 |
| Average earning assets | $278,470,600 | 2,110 |
| Average equity | $44,449,000 | 1,526 |
| Average total loans | $146,264,600 | 2,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 4,931 |
| Cost of funding earning assets | 1.0332% | 3,443 |
| Net interest margin | 3.5492% | 4,984 |
| Noninterest income to average assets | 0.5233% | 3,706 |
| Noninterest expense to average assets | 3.4165% | 2,149 |
| Loan and lease loss provision to assets | 0.0698% | 5,582 |
| Net operating income to assets | 0.2830% | 5,457 |
| Return on assets (ROA) | 0.4378% | 5,020 |
| Pretax return on assets | 0.4378% | 5,347 |
| Return on Equity (ROE) | 3.0318% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.0318% | 4,523 |
| Net charge-offs to loans | 1.5356% | 939 |
| Credit loss provision to net charge-offs | 9.5465% | 5,664 |
| Earnings coverage of net charge-offs (x) | 0.4827% | 5,259 |
| Efficiency ratio | 88.0032% | 1,342 |
| Assets per employee ($millions) | 5.2742% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2612% | 1,752 |
| Loan loss allowance to noncurrent loans | 177.8731% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 4,633 |
| Noncurrent loans to loans | 1.2712% | 4,411 |
| Net loans and leases to total assets | 43.9587% | 6,337 |
| Net loans and leases to deposits | 52.8421% | 6,306 |
| Net loans and leases to core deposits | 69.9372% | 4,955 |
| Total domestic deposits to total assets | 83.1888% | 4,611 |
| Equity capital to assets | 14.7069% | 929 |
| Core capital (leverage) ratio | 13.0827% | 1,196 |
| Tier 1 risk-based capital ratio | 21.2327% | 1,416 |
| Total risk-based capital ratio | 22.4875% | 1,392 |
| Memoranda: | ||
| Average total assets | $305,763,500 | 2,100 |
| Average earning assets | $279,639,750 | 2,103 |
| Average equity | $44,153,000 | 1,539 |
| Average total loans | $145,522,000 | 2,721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 4,752 |
| Cost of funding earning assets | 1.0408% | 3,664 |
| Net interest margin | 3.6103% | 4,684 |
| Noninterest income to average assets | 0.7994% | 2,017 |
| Noninterest expense to average assets | 3.5222% | 1,925 |
| Loan and lease loss provision to assets | 0.1047% | 5,001 |
| Net operating income to assets | 0.4743% | 4,623 |
| Return on assets (ROA) | 0.4743% | 4,762 |
| Pretax return on assets | 0.4743% | 5,159 |
| Return on Equity (ROE) | 3.3049% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.3049% | 4,157 |
| Net charge-offs to loans | 1.1068% | 1,423 |
| Credit loss provision to net charge-offs | 19.5122% | 5,138 |
| Earnings coverage of net charge-offs (x) | 1.0793% | 4,478 |
| Efficiency ratio | 83.3626% | 1,902 |
| Assets per employee ($millions) | 5.0654% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8771% | 1,007 |
| Loan loss allowance to noncurrent loans | 167.8798% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 4,119 |
| Noncurrent loans to loans | 1.7138% | 3,868 |
| Net loans and leases to total assets | 42.6400% | 6,549 |
| Net loans and leases to deposits | 50.0321% | 6,593 |
| Net loans and leases to core deposits | 65.4284% | 5,571 |
| Total domestic deposits to total assets | 85.2252% | 3,774 |
| Equity capital to assets | 14.1599% | 1,043 |
| Core capital (leverage) ratio | 12.9359% | 1,192 |
| Tier 1 risk-based capital ratio | 21.0057% | 1,416 |
| Total risk-based capital ratio | 22.2678% | 1,395 |
| Memoranda: | ||
| Average total assets | $305,717,000 | 2,108 |
| Average earning assets | $279,587,000 | 2,106 |
| Average equity | $43,874,330 | 1,532 |
| Average total loans | $148,168,670 | 2,713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 4,047 |
| Cost of funding earning assets | 1.0418% | 3,911 |
| Net interest margin | 3.7610% | 3,794 |
| Noninterest income to average assets | 0.9206% | 1,584 |
| Noninterest expense to average assets | 3.7195% | 1,502 |
| Loan and lease loss provision to assets | 0.1326% | 4,344 |
| Net operating income to assets | 0.5067% | 4,466 |
| Return on assets (ROA) | 0.5067% | 4,549 |
| Pretax return on assets | 0.5067% | 5,005 |
| Return on Equity (ROE) | 3.5065% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.5065% | 4,079 |
| Net charge-offs to loans | 1.4767% | 918 |
| Credit loss provision to net charge-offs | 17.6678% | 4,280 |
| Earnings coverage of net charge-offs (x) | 0.8516% | 3,999 |
| Efficiency ratio | 82.9276% | 2,097 |
| Assets per employee ($millions) | 4.8484% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8067% | 1,103 |
| Loan loss allowance to noncurrent loans | 133.9234% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.7182% | 3,677 |
| Noncurrent loans to loans | 2.0957% | 3,447 |
| Net loans and leases to total assets | 47.9351% | 6,083 |
| Net loans and leases to deposits | 56.5556% | 6,079 |
| Net loans and leases to core deposits | 75.1490% | 4,404 |
| Total domestic deposits to total assets | 84.7575% | 4,147 |
| Equity capital to assets | 14.6371% | 844 |
| Core capital (leverage) ratio | 12.8122% | 1,192 |
| Tier 1 risk-based capital ratio | 21.9697% | 1,233 |
| Total risk-based capital ratio | 23.2346% | 1,203 |
| Memoranda: | ||
| Average total assets | $301,548,000 | 2,154 |
| Average earning assets | $275,668,000 | 2,153 |
| Average equity | $43,576,500 | 1,527 |
| Average total loans | $153,313,000 | 2,660 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 2,641 |
| Cost of funding earning assets | 1.1432% | 4,887 |
| Net interest margin | 4.2634% | 1,946 |
| Noninterest income to average assets | 0.5224% | 4,011 |
| Noninterest expense to average assets | 3.3238% | 2,660 |
| Loan and lease loss provision to assets | 0.8815% | 1,856 |
| Net operating income to assets | 0.1673% | 5,382 |
| Return on assets (ROA) | 0.1695% | 5,536 |
| Pretax return on assets | 0.1695% | 5,557 |
| Return on Equity (ROE) | 1.2598% | 5,634 |
| Retained earnings to average equity (ytd only) | 1.2598% | 4,925 |
| Net charge-offs to loans | 1.1661% | 1,912 |
| Credit loss provision to net charge-offs | 128.3326% | 3,126 |
| Earnings coverage of net charge-offs (x) | 1.5269% | 4,602 |
| Efficiency ratio | 73.7701% | 3,449 |
| Assets per employee ($millions) | 5.0416% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9216% | 930 |
| Loan loss allowance to noncurrent loans | 89.4106% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 2.3911% | 2,876 |
| Noncurrent loans to loans | 3.2676% | 2,323 |
| Net loans and leases to total assets | 50.8255% | 6,064 |
| Net loans and leases to deposits | 59.7339% | 6,085 |
| Net loans and leases to core deposits | 79.1403% | 4,327 |
| Total domestic deposits to total assets | 85.0864% | 3,809 |
| Equity capital to assets | 14.2660% | 960 |
| Core capital (leverage) ratio | 12.3800% | 1,357 |
| Tier 1 risk-based capital ratio | 20.6000% | 1,381 |
| Total risk-based capital ratio | 21.8670% | 1,362 |
| Memoranda: | ||
| Average total assets | $322,164,800 | 2,018 |
| Average earning assets | $290,939,600 | 2,038 |
| Average equity | $43,338,600 | 1,533 |
| Average total loans | $189,772,800 | 2,252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 2,611 |
| Cost of funding earning assets | 1.1478% | 5,164 |
| Net interest margin | 4.3103% | 1,817 |
| Noninterest income to average assets | 0.4818% | 4,321 |
| Noninterest expense to average assets | 3.2529% | 2,729 |
| Loan and lease loss provision to assets | 0.9029% | 1,679 |
| Net operating income to assets | 0.2050% | 5,495 |
| Return on assets (ROA) | 0.2079% | 5,650 |
| Pretax return on assets | 0.2079% | 5,711 |
| Return on Equity (ROE) | 1.5673% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.5673% | 5,171 |
| Net charge-offs to loans | 1.3932% | 1,457 |
| Credit loss provision to net charge-offs | 107.2639% | 3,977 |
| Earnings coverage of net charge-offs (x) | 1.3162% | 4,760 |
| Efficiency ratio | 72.3687% | 3,635 |
| Assets per employee ($millions) | 4.9210% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4068% | 1,466 |
| Loan loss allowance to noncurrent loans | 36.1247% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 4.1110% | 1,678 |
| Noncurrent loans to loans | 6.6625% | 877 |
| Net loans and leases to total assets | 54.2800% | 5,805 |
| Net loans and leases to deposits | 65.1681% | 5,763 |
| Net loans and leases to core deposits | 87.8265% | 3,390 |
| Total domestic deposits to total assets | 83.2924% | 4,461 |
| Equity capital to assets | 14.1423% | 1,125 |
| Core capital (leverage) ratio | 12.2392% | 1,540 |
| Tier 1 risk-based capital ratio | 18.8157% | 1,790 |
| Total risk-based capital ratio | 20.0763% | 1,755 |
| Memoranda: | ||
| Average total assets | $327,082,000 | 2,015 |
| Average earning assets | $294,354,750 | 2,045 |
| Average equity | $43,384,750 | 1,537 |
| Average total loans | $197,623,000 | 2,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 2,412 |
| Cost of funding earning assets | 1.1156% | 5,595 |
| Net interest margin | 4.4122% | 1,412 |
| Noninterest income to average assets | 0.5163% | 3,984 |
| Noninterest expense to average assets | 3.2743% | 2,648 |
| Loan and lease loss provision to assets | 0.9166% | 1,586 |
| Net operating income to assets | 0.2975% | 5,187 |
| Return on assets (ROA) | 0.3017% | 5,335 |
| Pretax return on assets | 0.3017% | 5,497 |
| Return on Equity (ROE) | 2.3224% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.3224% | 4,679 |
| Net charge-offs to loans | 0.7223% | 2,415 |
| Credit loss provision to net charge-offs | 204.9731% | 1,900 |
| Earnings coverage of net charge-offs (x) | 2.7151% | 3,640 |
| Efficiency ratio | 70.8222% | 4,014 |
| Assets per employee ($millions) | 4.4251% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5289% | 1,266 |
| Loan loss allowance to noncurrent loans | 41.7555% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 4.4961% | 1,481 |
| Noncurrent loans to loans | 6.0564% | 1,051 |
| Net loans and leases to total assets | 60.3525% | 4,992 |
| Net loans and leases to deposits | 72.6439% | 4,889 |
| Net loans and leases to core deposits | 94.7790% | 2,609 |
| Total domestic deposits to total assets | 83.0800% | 4,539 |
| Equity capital to assets | 14.3078% | 1,064 |
| Core capital (leverage) ratio | 12.3951% | 1,452 |
| Tier 1 risk-based capital ratio | 17.9099% | 1,982 |
| Total risk-based capital ratio | 19.1733% | 1,946 |
| Memoranda: | ||
| Average total assets | $332,769,330 | 1,999 |
| Average earning assets | $299,576,000 | 2,030 |
| Average equity | $43,231,670 | 1,533 |
| Average total loans | $206,021,000 | 2,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 2,308 |
| Cost of funding earning assets | 1.1022% | 5,896 |
| Net interest margin | 4.4624% | 1,229 |
| Noninterest income to average assets | 0.6361% | 3,032 |
| Noninterest expense to average assets | 3.1632% | 3,002 |
| Loan and lease loss provision to assets | 0.7215% | 1,765 |
| Net operating income to assets | 0.4959% | 4,407 |
| Return on assets (ROA) | 0.5010% | 4,530 |
| Pretax return on assets | 0.7885% | 3,916 |
| Return on Equity (ROE) | 4.0368% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.0368% | 3,730 |
| Net charge-offs to loans | 0.9119% | 1,758 |
| Credit loss provision to net charge-offs | 127.8119% | 2,757 |
| Earnings coverage of net charge-offs (x) | 2.6605% | 3,202 |
| Efficiency ratio | 65.8500% | 5,153 |
| Assets per employee ($millions) | 4.8428% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 2,084 |
| Loan loss allowance to noncurrent loans | 30.2472% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 4.8046% | 1,370 |
| Noncurrent loans to loans | 6.7372% | 912 |
| Net loans and leases to total assets | 57.8259% | 5,469 |
| Net loans and leases to deposits | 68.3353% | 5,550 |
| Net loans and leases to core deposits | 86.2972% | 3,849 |
| Total domestic deposits to total assets | 84.6209% | 3,848 |
| Equity capital to assets | 12.6647% | 1,670 |
| Core capital (leverage) ratio | 11.3823% | 1,978 |
| Tier 1 risk-based capital ratio | 16.2334% | 2,546 |
| Total risk-based capital ratio | 17.4902% | 2,505 |
| Memoranda: | ||
| Average total assets | $346,488,500 | 1,974 |
| Average earning assets | $312,839,000 | 1,993 |
| Average equity | $43,004,500 | 1,554 |
| Average total loans | $214,503,500 | 2,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5102% | 659 |
| Cost of funding earning assets | 1.2324% | 6,539 |
| Net interest margin | 5.2778% | 254 |
| Noninterest income to average assets | 0.5919% | 3,687 |
| Noninterest expense to average assets | 3.3264% | 2,924 |
| Loan and lease loss provision to assets | 2.9374% | 602 |
| Net operating income to assets | -0.4535% | 6,130 |
| Return on assets (ROA) | -0.5444% | 6,220 |
| Pretax return on assets | -0.9873% | 6,403 |
| Return on Equity (ROE) | -4.2685% | 6,138 |
| Retained earnings to average equity (ytd only) | -4.2685% | 5,912 |
| Net charge-offs to loans | 3.8003% | 464 |
| Credit loss provision to net charge-offs | 127.1021% | 4,084 |
| Earnings coverage of net charge-offs (x) | 0.9053% | 5,208 |
| Efficiency ratio | 60.5572% | 6,397 |
| Assets per employee ($millions) | 4.8492% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 2,644 |
| Loan loss allowance to noncurrent loans | 28.2606% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 5.0057% | 1,231 |
| Noncurrent loans to loans | 6.2616% | 980 |
| Net loans and leases to total assets | 63.5974% | 4,680 |
| Net loans and leases to deposits | 74.6992% | 4,922 |
| Net loans and leases to core deposits | 84.7451% | 5,650 |
| Total domestic deposits to total assets | 85.1381% | 3,492 |
| Equity capital to assets | 12.1622% | 1,927 |
| Core capital (leverage) ratio | 10.4912% | 2,619 |
| Tier 1 risk-based capital ratio | 14.6586% | 3,126 |
| Total risk-based capital ratio | 15.9131% | 3,077 |
| Memoranda: | ||
| Average total assets | $292,807,400 | 2,262 |
| Average earning assets | $267,780,400 | 2,258 |
| Average equity | $37,343,000 | 1,795 |
| Average total loans | $178,066,000 | 2,540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4056% | 919 |
| Cost of funding earning assets | 1.1723% | 6,963 |
| Net interest margin | 5.2333% | 288 |
| Noninterest income to average assets | 0.6295% | 3,501 |
| Noninterest expense to average assets | 3.0773% | 3,737 |
| Loan and lease loss provision to assets | 3.2265% | 429 |
| Net operating income to assets | -0.4618% | 6,387 |
| Return on assets (ROA) | -0.5922% | 6,518 |
| Pretax return on assets | -1.0734% | 6,737 |
| Return on Equity (ROE) | -4.5771% | 6,407 |
| Retained earnings to average equity (ytd only) | -4.5771% | 6,200 |
| Net charge-offs to loans | 4.4518% | 290 |
| Credit loss provision to net charge-offs | 121.6411% | 4,170 |
| Earnings coverage of net charge-offs (x) | 0.8885% | 5,171 |
| Efficiency ratio | 56.6285% | 6,918 |
| Assets per employee ($millions) | 4.7858% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 4,018 |
| Loan loss allowance to noncurrent loans | 48.8392% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.8422% | 2,448 |
| Noncurrent loans to loans | 2.8386% | 2,674 |
| Net loans and leases to total assets | 64.1384% | 4,838 |
| Net loans and leases to deposits | 76.4117% | 4,969 |
| Net loans and leases to core deposits | 93.8572% | 5,026 |
| Total domestic deposits to total assets | 83.9379% | 3,751 |
| Equity capital to assets | 11.5080% | 2,576 |
| Core capital (leverage) ratio | 11.5521% | 2,044 |
| Tier 1 risk-based capital ratio | 14.0585% | 3,514 |
| Total risk-based capital ratio | 15.3084% | 3,461 |
| Memoranda: | ||
| Average total assets | $278,724,250 | 2,370 |
| Average earning assets | $255,895,500 | 2,378 |
| Average equity | $36,063,000 | 1,886 |
| Average total loans | $166,071,500 | 2,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2016% | 1,447 |
| Cost of funding earning assets | 1.1174% | 7,332 |
| Net interest margin | 5.0842% | 369 |
| Noninterest income to average assets | 0.5890% | 3,778 |
| Noninterest expense to average assets | 2.9361% | 4,357 |
| Loan and lease loss provision to assets | 4.9919% | 205 |
| Net operating income to assets | -1.4791% | 7,232 |
| Return on assets (ROA) | -1.8835% | 7,388 |
| Pretax return on assets | -3.2807% | 7,629 |
| Return on Equity (ROE) | -13.7897% | 7,272 |
| Retained earnings to average equity (ytd only) | -13.7897% | 7,173 |
| Net charge-offs to loans | 6.6293% | 147 |
| Credit loss provision to net charge-offs | 132.4887% | 3,527 |
| Earnings coverage of net charge-offs (x) | 0.6219% | 5,086 |
| Efficiency ratio | 55.6169% | 7,153 |
| Assets per employee ($millions) | 5.3230% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7075% | 744 |
| Loan loss allowance to noncurrent loans | 263.9168% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 5,924 |
| Noncurrent loans to loans | 1.0259% | 5,165 |
| Net loans and leases to total assets | 52.8438% | 6,585 |
| Net loans and leases to deposits | 67.0470% | 6,284 |
| Net loans and leases to core deposits | 76.7579% | 6,625 |
| Total domestic deposits to total assets | 78.8160% | 5,857 |
| Equity capital to assets | 12.9479% | 1,716 |
| Core capital (leverage) ratio | 13.2952% | 1,330 |
| Tier 1 risk-based capital ratio | 18.7985% | 1,818 |
| Total risk-based capital ratio | 20.0614% | 1,771 |
| Memoranda: | ||
| Average total assets | $247,200,330 | 2,665 |
| Average earning assets | $228,038,670 | 2,654 |
| Average equity | $33,764,330 | 2,009 |
| Average total loans | $140,498,000 | 3,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1090% | 1,914 |
| Cost of funding earning assets | 1.1184% | 7,484 |
| Net interest margin | 4.9906% | 407 |
| Noninterest income to average assets | 0.5616% | 3,819 |
| Noninterest expense to average assets | 3.4024% | 2,350 |
| Loan and lease loss provision to assets | 1.1802% | 1,096 |
| Net operating income to assets | 0.3931% | 4,882 |
| Return on assets (ROA) | 0.5209% | 4,521 |
| Pretax return on assets | 0.7928% | 4,099 |
| Return on Equity (ROE) | 3.7155% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.7155% | 3,837 |
| Net charge-offs to loans | 0.5378% | 2,104 |
| Credit loss provision to net charge-offs | 377.6042% | 1,364 |
| Earnings coverage of net charge-offs (x) | 5.6927% | 2,625 |
| Efficiency ratio | 65.6613% | 5,392 |
| Assets per employee ($millions) | 5.4814% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 1,562 |
| Loan loss allowance to noncurrent loans | 97.7190% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3840% | 3,877 |
| Noncurrent loans to loans | 1.9731% | 3,299 |
| Net loans and leases to total assets | 58.2440% | 5,905 |
| Net loans and leases to deposits | 71.6091% | 5,795 |
| Net loans and leases to core deposits | 110.3545% | 3,387 |
| Total domestic deposits to total assets | 81.3360% | 4,820 |
| Equity capital to assets | 14.6440% | 1,199 |
| Core capital (leverage) ratio | 14.6137% | 1,051 |
| Tier 1 risk-based capital ratio | 19.8515% | 1,647 |
| Total risk-based capital ratio | 21.1048% | 1,601 |
| Memoranda: | ||
| Average total assets | $245,711,000 | 2,699 |
| Average earning assets | $227,468,000 | 2,671 |
| Average equity | $34,450,000 | 1,979 |
| Average total loans | $142,805,500 | 3,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1229% | 4,927 |
| Cost of funding earning assets | 1.6008% | 7,448 |
| Net interest margin | 4.5221% | 1,370 |
| Noninterest income to average assets | 0.6447% | 3,513 |
| Noninterest expense to average assets | 2.8452% | 4,623 |
| Loan and lease loss provision to assets | 0.7197% | 2,055 |
| Net operating income to assets | 0.8452% | 3,239 |
| Return on assets (ROA) | 0.8527% | 3,051 |
| Pretax return on assets | 1.2720% | 2,400 |
| Return on Equity (ROE) | 6.3288% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.3288% | 1,386 |
| Net charge-offs to loans | 1.3390% | 878 |
| Credit loss provision to net charge-offs | 95.8647% | 5,515 |
| Earnings coverage of net charge-offs (x) | 2.6380% | 4,770 |
| Efficiency ratio | 58.9606% | 6,532 |
| Assets per employee ($millions) | 5.9470% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 2,757 |
| Loan loss allowance to noncurrent loans | 431.4741% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,786 |
| Noncurrent loans to loans | 0.3447% | 6,343 |
| Net loans and leases to total assets | 56.1019% | 6,426 |
| Net loans and leases to deposits | 71.6598% | 6,096 |
| Net loans and leases to core deposits | 112.4748% | 3,516 |
| Total domestic deposits to total assets | 78.2893% | 5,619 |
| Equity capital to assets | 13.4459% | 1,614 |
| Core capital (leverage) ratio | 14.3537% | 1,174 |
| Tier 1 risk-based capital ratio | 17.5581% | 2,165 |
| Total risk-based capital ratio | 18.6498% | 2,149 |
| Memoranda: | ||
| Average total assets | $248,031,400 | 2,577 |
| Average earning assets | $229,317,800 | 2,561 |
| Average equity | $33,418,800 | 2,024 |
| Average total loans | $139,059,800 | 3,112 |