Home > Community West Bank > Performance and Condition Ratios
Community West Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5568% | 1,867 |
| Cost of funding earning assets | 1.5623% | 3,152 |
| Net interest margin | 3.9945% | 1,116 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.9719% | 1,137 |
| Loan and lease loss provision to assets | 0.7500% | 104 |
| Net operating income to assets | 0.2085% | 3,989 |
| Return on assets (ROA) | 0.0695% | 4,181 |
| Pretax return on assets | 0.0912% | 4,164 |
| Return on Equity (ROE) | 0.5900% | 4,187 |
| Retained earnings to average equity (ytd only) | -2.7337% | 4,200 |
| Net charge-offs to loans | -0.0315% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.0598% | 1,638 |
| Assets per employee ($millions) | 10.9576% | 552 |
| Cash dividends to net income (ytd only)* | 559.5855% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 2,764 |
| Loan loss allowance to noncurrent loans | 11,285.0679% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,758 |
| Noncurrent loans to loans | 0.0098% | 3,720 |
| Net loans and leases to total assets | 64.0400% | 2,557 |
| Net loans and leases to deposits | 77.8083% | 2,402 |
| Net loans and leases to core deposits | 90.5603% | 2,107 |
| Total domestic deposits to total assets | 82.3100% | 3,016 |
| Equity capital to assets | 12.0269% | 1,158 |
| Core capital (leverage) ratio | 11.0304% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9109% | 1,547 |
| Memoranda: | ||
| Average total assets | $2,777,221,000 | 437 |
| Average earning assets | $2,517,297,667 | 435 |
| Average equity | $324,464,667 | 392 |
| Average total loans | $1,611,325,667 | 505 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 3,341 |
| Cost of funding earning assets | 1.0261% | 3,961 |
| Net interest margin | 3.6656% | 1,604 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.4466% | 2,392 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.8297% | 2,454 |
| Return on assets (ROA) | 0.7719% | 2,637 |
| Pretax return on assets | 1.0269% | 2,313 |
| Return on Equity (ROE) | 6.7500% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.2950% | 2,620 |
| Net charge-offs to loans | 0.1630% | 525 |
| Credit loss provision to net charge-offs | 100.9524% | 1,138 |
| Earnings coverage of net charge-offs (x) | 13.7905% | 1,509 |
| Efficiency ratio | 67.1864% | 2,474 |
| Assets per employee ($millions) | 9.5471% | 844 |
| Cash dividends to net income (ytd only)* | 36.3695% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,607 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 52.6600% | 3,445 |
| Net loans and leases to deposits | 62.6105% | 3,366 |
| Net loans and leases to core deposits | 66.8984% | 3,485 |
| Total domestic deposits to total assets | 84.1100% | 2,680 |
| Equity capital to assets | 11.5805% | 1,267 |
| Core capital (leverage) ratio | 11.9528% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9132% | 943 |
| Memoranda: | ||
| Average total assets | $2,423,568,000 | 498 |
| Average earning assets | $2,198,304,500 | 500 |
| Average equity | $277,157,000 | 440 |
| Average total loans | $1,288,703,000 | 617 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 2,864 |
| Cost of funding earning assets | 0.7326% | 3,877 |
| Net interest margin | 3.8825% | 1,410 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.1871% | 3,165 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2137% | 1,618 |
| Return on assets (ROA) | 1.1934% | 1,643 |
| Pretax return on assets | 1.5957% | 1,239 |
| Return on Equity (ROE) | 11.5000% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.7581% | 1,314 |
| Net charge-offs to loans | 0.0016% | 2,772 |
| Credit loss provision to net charge-offs | -425.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | 2,000.4000% | 76 |
| Efficiency ratio | 57.1636% | 3,379 |
| Assets per employee ($millions) | 10.2604% | 648 |
| Cash dividends to net income (ytd only)* | 23.8330% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,623 |
| Loan loss allowance to noncurrent loans | 21,548.5294% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,820 |
| Noncurrent loans to loans | 0.0053% | 3,743 |
| Net loans and leases to total assets | 52.4800% | 3,458 |
| Net loans and leases to deposits | 62.4830% | 3,384 |
| Net loans and leases to core deposits | 66.2926% | 3,485 |
| Total domestic deposits to total assets | 83.9900% | 2,618 |
| Equity capital to assets | 11.2923% | 1,371 |
| Core capital (leverage) ratio | 11.7547% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7376% | 963 |
| Memoranda: | ||
| Average total assets | $2,448,398,800 | 483 |
| Average earning assets | $2,229,949,600 | 476 |
| Average equity | $254,117,800 | 446 |
| Average total loans | $1,272,744,800 | 597 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,704 |
| Cost of funding earning assets | 0.6889% | 3,787 |
| Net interest margin | 3.8995% | 1,399 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.1354% | 3,248 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2353% | 1,686 |
| Return on assets (ROA) | 1.2138% | 1,744 |
| Pretax return on assets | 1.6285% | 1,299 |
| Return on Equity (ROE) | 11.9600% | 2,135 |
| Retained earnings to average equity (ytd only) | 11.9559% | 976 |
| Net charge-offs to loans | 0.0201% | 1,718 |
| Credit loss provision to net charge-offs | 506.2827% | 625 |
| Earnings coverage of net charge-offs (x) | 161.9476% | 697 |
| Efficiency ratio | 55.8480% | 3,408 |
| Assets per employee ($millions) | 9.7411% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.7300% | 3,515 |
| Net loans and leases to deposits | 58.6168% | 3,576 |
| Net loans and leases to core deposits | 61.8048% | 3,622 |
| Total domestic deposits to total assets | 88.2600% | 1,491 |
| Equity capital to assets | 10.2443% | 1,674 |
| Core capital (leverage) ratio | 11.2144% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4712% | 1,022 |
| Memoranda: | ||
| Average total assets | $2,452,568,500 | 481 |
| Average earning assets | $2,235,901,500 | 479 |
| Average equity | $248,998,250 | 450 |
| Average total loans | $1,268,231,750 | 598 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 2,679 |
| Cost of funding earning assets | 0.5824% | 3,795 |
| Net interest margin | 3.9038% | 1,421 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.1323% | 3,263 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2394% | 1,719 |
| Return on assets (ROA) | 1.2229% | 1,758 |
| Pretax return on assets | 1.6418% | 1,331 |
| Return on Equity (ROE) | 12.0800% | 2,132 |
| Retained earnings to average equity (ytd only) | 12.0809% | 968 |
| Net charge-offs to loans | -0.0005% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6947% | 3,458 |
| Assets per employee ($millions) | 9.4307% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,279 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 49.8100% | 3,575 |
| Net loans and leases to deposits | 56.3652% | 3,620 |
| Net loans and leases to core deposits | 60.5405% | 3,600 |
| Total domestic deposits to total assets | 88.3800% | 1,466 |
| Equity capital to assets | 10.2652% | 1,703 |
| Core capital (leverage) ratio | 11.0402% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4811% | 1,040 |
| Memoranda: | ||
| Average total assets | $2,458,329,000 | 463 |
| Average earning assets | $2,244,492,333 | 464 |
| Average equity | $248,838,333 | 442 |
| Average total loans | $1,265,838,667 | 588 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 2,685 |
| Cost of funding earning assets | 0.2985% | 4,202 |
| Net interest margin | 4.0490% | 1,179 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.1190% | 3,335 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.2898% | 1,700 |
| Return on assets (ROA) | 1.2750% | 1,709 |
| Pretax return on assets | 1.7157% | 1,244 |
| Return on Equity (ROE) | 12.6900% | 2,053 |
| Retained earnings to average equity (ytd only) | 12.6875% | 1,144 |
| Net charge-offs to loans | 0.0060% | 1,739 |
| Credit loss provision to net charge-offs | 2,726.3158% | 154 |
| Earnings coverage of net charge-offs (x) | 590.7368% | 193 |
| Efficiency ratio | 53.4100% | 3,662 |
| Assets per employee ($millions) | 9.9747% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,629 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.5600% | 3,379 |
| Net loans and leases to deposits | 58.3620% | 3,434 |
| Net loans and leases to core deposits | 62.9810% | 3,389 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 10.1496% | 1,743 |
| Core capital (leverage) ratio | 11.1931% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7486% | 1,200 |
| Memoranda: | ||
| Average total assets | $2,442,637,000 | 475 |
| Average earning assets | $2,231,378,000 | 478 |
| Average equity | $245,470,000 | 455 |
| Average total loans | $1,270,929,000 | 590 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 2,364 |
| Cost of funding earning assets | 0.0656% | 4,520 |
| Net interest margin | 3.6981% | 1,380 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.9730% | 3,657 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2685% | 1,533 |
| Return on assets (ROA) | 1.1838% | 1,772 |
| Pretax return on assets | 1.5716% | 1,239 |
| Return on Equity (ROE) | 12.4800% | 1,983 |
| Retained earnings to average equity (ytd only) | 12.4832% | 593 |
| Net charge-offs to loans | -0.0219% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.9134% | 3,894 |
| Assets per employee ($millions) | 10.0478% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 3,885 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.4300% | 3,398 |
| Net loans and leases to deposits | 59.2270% | 3,379 |
| Net loans and leases to core deposits | 59.5908% | 3,533 |
| Total domestic deposits to total assets | 86.8400% | 2,445 |
| Equity capital to assets | 9.9474% | 1,732 |
| Core capital (leverage) ratio | 10.8641% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5262% | 1,228 |
| Memoranda: | ||
| Average total assets | $2,414,529,800 | 462 |
| Average earning assets | $2,214,726,400 | 463 |
| Average equity | $228,972,400 | 476 |
| Average total loans | $1,133,738,200 | 610 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 2,331 |
| Cost of funding earning assets | 0.0542% | 4,556 |
| Net interest margin | 3.5508% | 1,520 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9726% | 3,551 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1903% | 1,738 |
| Return on assets (ROA) | 1.1183% | 1,976 |
| Pretax return on assets | 1.4712% | 1,495 |
| Return on Equity (ROE) | 11.9400% | 2,052 |
| Retained earnings to average equity (ytd only) | 11.9392% | 810 |
| Net charge-offs to loans | -0.0322% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7209% | 3,756 |
| Assets per employee ($millions) | 9.8201% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 3,997 |
| Loan loss allowance to noncurrent loans | 4,129.8805% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,875 |
| Noncurrent loans to loans | 0.0205% | 3,765 |
| Net loans and leases to total assets | 50.0900% | 3,452 |
| Net loans and leases to deposits | 56.6654% | 3,425 |
| Net loans and leases to core deposits | 57.0439% | 3,562 |
| Total domestic deposits to total assets | 88.3900% | 2,312 |
| Equity capital to assets | 9.1994% | 2,082 |
| Core capital (leverage) ratio | 10.7345% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0330% | 1,417 |
| Memoranda: | ||
| Average total assets | $2,412,779,750 | 461 |
| Average earning assets | $2,215,500,250 | 463 |
| Average equity | $225,995,750 | 477 |
| Average total loans | $1,103,096,750 | 621 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 2,150 |
| Cost of funding earning assets | 0.0516% | 4,589 |
| Net interest margin | 3.4463% | 1,472 |
| Noninterest income to average assets | 0.3141% | 3,285 |
| Noninterest expense to average assets | 1.9178% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1995% | 1,430 |
| Return on assets (ROA) | 1.1111% | 1,709 |
| Pretax return on assets | 1.4599% | 1,282 |
| Return on Equity (ROE) | 11.7921% | 1,727 |
| Retained earnings to average equity (ytd only) | 11.7921% | 640 |
| Net charge-offs to loans | -0.0514% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2917% | 3,937 |
| Assets per employee ($millions) | 9.4868% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,034 |
| Loan loss allowance to noncurrent loans | 3,643.1734% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,915 |
| Noncurrent loans to loans | 0.0239% | 3,780 |
| Net loans and leases to total assets | 47.8633% | 3,567 |
| Net loans and leases to deposits | 53.3650% | 3,584 |
| Net loans and leases to core deposits | 53.7485% | 3,704 |
| Total domestic deposits to total assets | 89.6904% | 1,847 |
| Equity capital to assets | 8.7126% | 2,607 |
| Core capital (leverage) ratio | 9.1046% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7834% | 1,772 |
| Memoranda: | ||
| Average total assets | $2,408,515,000 | 459 |
| Average earning assets | $2,219,243,000 | 460 |
| Average equity | $226,948,333 | 478 |
| Average total loans | $1,062,372,333 | 628 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 2,561 |
| Cost of funding earning assets | 0.0447% | 4,632 |
| Net interest margin | 3.1971% | 1,889 |
| Noninterest income to average assets | 0.3098% | 3,244 |
| Noninterest expense to average assets | 1.8437% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0802% | 1,580 |
| Return on assets (ROA) | 1.0622% | 1,641 |
| Pretax return on assets | 1.4009% | 1,254 |
| Return on Equity (ROE) | 10.8771% | 1,657 |
| Retained earnings to average equity (ytd only) | 10.8771% | 805 |
| Net charge-offs to loans | -0.1030% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7230% | 3,909 |
| Assets per employee ($millions) | 9.8091% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 3,815 |
| Loan loss allowance to noncurrent loans | 3,378.0822% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,946 |
| Noncurrent loans to loans | 0.0289% | 3,789 |
| Net loans and leases to total assets | 41.3638% | 3,929 |
| Net loans and leases to deposits | 45.9518% | 3,975 |
| Net loans and leases to core deposits | 46.3423% | 4,056 |
| Total domestic deposits to total assets | 90.0157% | 1,553 |
| Equity capital to assets | 8.7792% | 2,901 |
| Core capital (leverage) ratio | 8.5353% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0829% | 2,173 |
| Memoranda: | ||
| Average total assets | $2,436,412,000 | 461 |
| Average earning assets | $2,253,884,500 | 459 |
| Average equity | $237,930,500 | 468 |
| Average total loans | $1,025,576,500 | 650 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 2,508 |
| Cost of funding earning assets | 0.0497% | 4,690 |
| Net interest margin | 3.5033% | 1,720 |
| Noninterest income to average assets | 0.3722% | 3,199 |
| Noninterest expense to average assets | 2.0823% | 3,434 |
| Loan and lease loss provision to assets | -0.1906% | 4,684 |
| Net operating income to assets | 1.2831% | 1,655 |
| Return on assets (ROA) | 1.2930% | 1,667 |
| Pretax return on assets | 1.7344% | 1,059 |
| Return on Equity (ROE) | 11.5667% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.5223% | 1,337 |
| Net charge-offs to loans | -0.0915% | 4,559 |
| Credit loss provision to net charge-offs | 436.5482% | 871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7245% | 3,616 |
| Assets per employee ($millions) | 10.0409% | 654 |
| Cash dividends to net income (ytd only)* | 26.3205% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,014.7992% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,740 |
| Noncurrent loans to loans | 0.0910% | 3,471 |
| Net loans and leases to total assets | 42.0211% | 3,976 |
| Net loans and leases to deposits | 47.9543% | 3,999 |
| Net loans and leases to core deposits | 48.3969% | 4,079 |
| Total domestic deposits to total assets | 87.6273% | 2,233 |
| Equity capital to assets | 10.7411% | 1,984 |
| Core capital (leverage) ratio | 8.4681% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1768% | 2,170 |
| Memoranda: | ||
| Average total assets | $2,256,413,600 | 474 |
| Average earning assets | $2,087,763,600 | 469 |
| Average equity | $252,232,600 | 447 |
| Average total loans | $1,077,047,800 | 613 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 2,581 |
| Cost of funding earning assets | 0.0512% | 4,774 |
| Net interest margin | 3.5399% | 1,760 |
| Noninterest income to average assets | 0.3681% | 3,257 |
| Noninterest expense to average assets | 2.0754% | 3,438 |
| Loan and lease loss provision to assets | -0.2295% | 4,773 |
| Net operating income to assets | 1.3396% | 1,718 |
| Return on assets (ROA) | 1.3344% | 1,779 |
| Pretax return on assets | 1.7856% | 1,193 |
| Return on Equity (ROE) | 11.8088% | 2,113 |
| Retained earnings to average equity (ytd only) | 3.1096% | 3,866 |
| Net charge-offs to loans | -0.1161% | 4,663 |
| Credit loss provision to net charge-offs | 401.6913% | 852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0590% | 3,518 |
| Assets per employee ($millions) | 9.5444% | 753 |
| Cash dividends to net income (ytd only)* | 73.6673% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 4,073 |
| Loan loss allowance to noncurrent loans | 629.9937% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,649 |
| Noncurrent loans to loans | 0.1474% | 3,382 |
| Net loans and leases to total assets | 45.7183% | 3,814 |
| Net loans and leases to deposits | 52.1225% | 3,877 |
| Net loans and leases to core deposits | 52.6242% | 4,006 |
| Total domestic deposits to total assets | 87.7131% | 2,000 |
| Equity capital to assets | 10.6534% | 2,316 |
| Core capital (leverage) ratio | 8.1765% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2922% | 2,617 |
| Memoranda: | ||
| Average total assets | $2,208,020,250 | 485 |
| Average earning assets | $2,039,657,000 | 484 |
| Average equity | $249,502,000 | 452 |
| Average total loans | $1,086,532,000 | 621 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 2,479 |
| Cost of funding earning assets | 0.0521% | 4,815 |
| Net interest margin | 3.5942% | 1,607 |
| Noninterest income to average assets | 0.3805% | 3,211 |
| Noninterest expense to average assets | 2.0856% | 3,429 |
| Loan and lease loss provision to assets | -0.3054% | 4,841 |
| Net operating income to assets | 1.4387% | 1,454 |
| Return on assets (ROA) | 1.4247% | 1,567 |
| Pretax return on assets | 1.8986% | 1,021 |
| Return on Equity (ROE) | 12.3526% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.2292% | 3,105 |
| Net charge-offs to loans | -0.1515% | 4,733 |
| Credit loss provision to net charge-offs | 400.4854% | 756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3670% | 3,618 |
| Assets per employee ($millions) | 9.2671% | 784 |
| Cash dividends to net income (ytd only)* | 57.6671% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,904 |
| Loan loss allowance to noncurrent loans | 512.9730% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 3,609 |
| Noncurrent loans to loans | 0.1902% | 3,276 |
| Net loans and leases to total assets | 46.4753% | 3,869 |
| Net loans and leases to deposits | 53.4400% | 3,893 |
| Net loans and leases to core deposits | 54.0041% | 4,021 |
| Total domestic deposits to total assets | 86.9673% | 2,341 |
| Equity capital to assets | 11.1162% | 1,901 |
| Core capital (leverage) ratio | 8.5125% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3994% | 2,207 |
| Memoranda: | ||
| Average total assets | $2,161,382,333 | 491 |
| Average earning assets | $1,994,095,333 | 494 |
| Average equity | $249,291,000 | 451 |
| Average total loans | $1,087,544,000 | 621 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 2,376 |
| Cost of funding earning assets | 0.0550% | 4,844 |
| Net interest margin | 3.6380% | 1,478 |
| Noninterest income to average assets | 0.3922% | 3,127 |
| Noninterest expense to average assets | 2.1227% | 3,351 |
| Loan and lease loss provision to assets | -0.3425% | 4,880 |
| Net operating income to assets | 1.4777% | 1,380 |
| Return on assets (ROA) | 1.4575% | 1,493 |
| Pretax return on assets | 1.9450% | 1,035 |
| Return on Equity (ROE) | 12.3934% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.1672% | 1,610 |
| Net charge-offs to loans | -0.3433% | 4,865 |
| Credit loss provision to net charge-offs | 191.2859% | 905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5753% | 3,592 |
| Assets per employee ($millions) | 8.2412% | 1,083 |
| Cash dividends to net income (ytd only)* | 17.9634% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,404 |
| Loan loss allowance to noncurrent loans | 318.6889% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 3,310 |
| Noncurrent loans to loans | 0.3470% | 2,851 |
| Net loans and leases to total assets | 49.0039% | 3,708 |
| Net loans and leases to deposits | 56.0627% | 3,785 |
| Net loans and leases to core deposits | 56.6575% | 3,931 |
| Total domestic deposits to total assets | 87.4090% | 2,135 |
| Equity capital to assets | 11.1603% | 1,750 |
| Core capital (leverage) ratio | 9.0302% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6593% | 1,686 |
| Memoranda: | ||
| Average total assets | $2,102,214,500 | 496 |
| Average earning assets | $1,940,761,000 | 497 |
| Average equity | $247,227,500 | 447 |
| Average total loans | $1,096,343,500 | 615 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 2,716 |
| Cost of funding earning assets | 0.0884% | 4,890 |
| Net interest margin | 3.9148% | 1,178 |
| Noninterest income to average assets | 0.4986% | 2,639 |
| Noninterest expense to average assets | 2.5790% | 2,619 |
| Loan and lease loss provision to assets | 0.1803% | 2,140 |
| Net operating income to assets | 0.9614% | 2,434 |
| Return on assets (ROA) | 1.1533% | 1,832 |
| Pretax return on assets | 1.5538% | 1,185 |
| Return on Equity (ROE) | 8.9146% | 2,434 |
| Retained earnings to average equity (ytd only) | 2.2672% | 3,723 |
| Net charge-offs to loans | -0.0489% | 4,662 |
| Credit loss provision to net charge-offs | -642.1569% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2753% | 3,079 |
| Assets per employee ($millions) | 7.3140% | 1,390 |
| Cash dividends to net income (ytd only)* | 74.5680% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,101 |
| Loan loss allowance to noncurrent loans | 393.9902% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 3,452 |
| Noncurrent loans to loans | 0.2974% | 3,133 |
| Net loans and leases to total assets | 54.3623% | 3,460 |
| Net loans and leases to deposits | 63.2066% | 3,501 |
| Net loans and leases to core deposits | 63.9125% | 3,698 |
| Total domestic deposits to total assets | 86.0073% | 2,360 |
| Equity capital to assets | 12.4192% | 1,361 |
| Core capital (leverage) ratio | 9.2266% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4834% | 1,685 |
| Memoranda: | ||
| Average total assets | $1,816,498,000 | 524 |
| Average earning assets | $1,657,198,200 | 526 |
| Average equity | $235,008,400 | 443 |
| Average total loans | $1,042,255,200 | 610 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,758 |
| Cost of funding earning assets | 0.0968% | 4,923 |
| Net interest margin | 3.9738% | 1,173 |
| Noninterest income to average assets | 0.4539% | 2,830 |
| Noninterest expense to average assets | 2.6132% | 2,501 |
| Loan and lease loss provision to assets | 0.3748% | 984 |
| Net operating income to assets | 0.7716% | 3,205 |
| Return on assets (ROA) | 1.0323% | 2,345 |
| Pretax return on assets | 1.4128% | 1,682 |
| Return on Equity (ROE) | 7.8896% | 2,847 |
| Retained earnings to average equity (ytd only) | -0.3138% | 4,531 |
| Net charge-offs to loans | -0.0716% | 4,760 |
| Credit loss provision to net charge-offs | -901.2681% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0754% | 2,904 |
| Assets per employee ($millions) | 6.7948% | 1,625 |
| Cash dividends to net income (ytd only)* | 103.9778% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,075 |
| Loan loss allowance to noncurrent loans | 423.8577% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 3,547 |
| Noncurrent loans to loans | 0.3116% | 3,168 |
| Net loans and leases to total assets | 56.1623% | 3,606 |
| Net loans and leases to deposits | 65.1195% | 3,688 |
| Net loans and leases to core deposits | 65.9245% | 3,893 |
| Total domestic deposits to total assets | 86.2449% | 1,960 |
| Equity capital to assets | 12.2874% | 1,525 |
| Core capital (leverage) ratio | 9.1969% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8073% | 1,556 |
| Memoranda: | ||
| Average total assets | $1,769,616,750 | 528 |
| Average earning assets | $1,610,682,500 | 530 |
| Average equity | $231,539,750 | 442 |
| Average total loans | $1,027,232,250 | 617 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,725 |
| Cost of funding earning assets | 0.1038% | 4,965 |
| Net interest margin | 4.1080% | 1,094 |
| Noninterest income to average assets | 0.4771% | 2,671 |
| Noninterest expense to average assets | 2.7096% | 2,355 |
| Loan and lease loss provision to assets | 0.5119% | 684 |
| Net operating income to assets | 0.6768% | 3,476 |
| Return on assets (ROA) | 1.0764% | 2,179 |
| Pretax return on assets | 1.4897% | 1,479 |
| Return on Equity (ROE) | 8.0403% | 2,729 |
| Retained earnings to average equity (ytd only) | -3.2091% | 4,670 |
| Net charge-offs to loans | -0.0864% | 4,818 |
| Credit loss provision to net charge-offs | -1,012.7315% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3134% | 2,912 |
| Assets per employee ($millions) | 7.2208% | 1,311 |
| Cash dividends to net income (ytd only)* | 139.9130% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,317 |
| Loan loss allowance to noncurrent loans | 579.2602% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,903 |
| Noncurrent loans to loans | 0.2137% | 3,614 |
| Net loans and leases to total assets | 58.1105% | 3,501 |
| Net loans and leases to deposits | 67.3842% | 3,612 |
| Net loans and leases to core deposits | 68.2778% | 3,847 |
| Total domestic deposits to total assets | 86.2376% | 1,918 |
| Equity capital to assets | 12.1478% | 1,570 |
| Core capital (leverage) ratio | 9.5692% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1600% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,709,448,667 | 535 |
| Average earning assets | $1,551,475,333 | 535 |
| Average equity | $228,846,333 | 444 |
| Average total loans | $999,680,000 | 625 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 2,078 |
| Cost of funding earning assets | 0.1190% | 5,018 |
| Net interest margin | 4.4572% | 555 |
| Noninterest income to average assets | 0.5261% | 2,408 |
| Noninterest expense to average assets | 2.9625% | 1,978 |
| Loan and lease loss provision to assets | 0.3422% | 901 |
| Net operating income to assets | 0.8191% | 2,839 |
| Return on assets (ROA) | 1.6678% | 601 |
| Pretax return on assets | 2.3220% | 227 |
| Return on Equity (ROE) | 11.8074% | 1,156 |
| Retained earnings to average equity (ytd only) | -8.4530% | 4,714 |
| Net charge-offs to loans | -0.0175% | 4,290 |
| Credit loss provision to net charge-offs | -3,353.6585% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9773% | 3,236 |
| Assets per employee ($millions) | 5.9284% | 1,735 |
| Cash dividends to net income (ytd only)* | 171.5906% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,019 |
| Loan loss allowance to noncurrent loans | 945.8296% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,259 |
| Noncurrent loans to loans | 0.1199% | 4,042 |
| Net loans and leases to total assets | 56.7965% | 3,769 |
| Net loans and leases to deposits | 68.0240% | 3,729 |
| Net loans and leases to core deposits | 69.1128% | 3,929 |
| Total domestic deposits to total assets | 83.4948% | 2,950 |
| Equity capital to assets | 13.7522% | 1,140 |
| Core capital (leverage) ratio | 10.8566% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2285% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,607,415,000 | 544 |
| Average earning assets | $1,452,027,000 | 544 |
| Average equity | $227,044,500 | 447 |
| Average total loans | $936,574,500 | 638 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 2,300 |
| Cost of funding earning assets | 0.1655% | 5,023 |
| Net interest margin | 4.5411% | 668 |
| Noninterest income to average assets | 0.4704% | 2,900 |
| Noninterest expense to average assets | 2.8788% | 2,352 |
| Loan and lease loss provision to assets | 0.0649% | 2,728 |
| Net operating income to assets | 1.1244% | 2,355 |
| Return on assets (ROA) | 1.3954% | 1,428 |
| Pretax return on assets | 1.9508% | 665 |
| Return on Equity (ROE) | 9.5163% | 2,512 |
| Retained earnings to average equity (ytd only) | 0.8345% | 4,442 |
| Net charge-offs to loans | 0.1066% | 1,662 |
| Credit loss provision to net charge-offs | 102.6026% | 2,417 |
| Earnings coverage of net charge-offs (x) | 26.4364% | 1,697 |
| Efficiency ratio | 62.1299% | 3,357 |
| Assets per employee ($millions) | 5.6811% | 1,894 |
| Cash dividends to net income (ytd only)* | 91.2309% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,662 |
| Loan loss allowance to noncurrent loans | 539.2794% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 4,094 |
| Noncurrent loans to loans | 0.1795% | 3,813 |
| Net loans and leases to total assets | 58.5230% | 3,723 |
| Net loans and leases to deposits | 69.9833% | 3,674 |
| Net loans and leases to core deposits | 71.1684% | 3,904 |
| Total domestic deposits to total assets | 83.6243% | 2,989 |
| Equity capital to assets | 14.5026% | 935 |
| Core capital (leverage) ratio | 11.2700% | 2,274 |
| Tier 1 risk-based capital ratio | 14.8468% | 2,846 |
| Total risk-based capital ratio | 15.6596% | 2,975 |
| Memoranda: | ||
| Average total assets | $1,578,906,200 | 532 |
| Average earning assets | $1,418,985,800 | 536 |
| Average equity | $231,518,600 | 418 |
| Average total loans | $937,319,800 | 611 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 2,275 |
| Cost of funding earning assets | 0.1742% | 5,081 |
| Net interest margin | 4.5745% | 648 |
| Noninterest income to average assets | 0.4652% | 2,930 |
| Noninterest expense to average assets | 2.9138% | 2,216 |
| Loan and lease loss provision to assets | 0.0445% | 3,020 |
| Net operating income to assets | 1.1167% | 2,508 |
| Return on assets (ROA) | 1.4812% | 1,299 |
| Pretax return on assets | 2.0751% | 584 |
| Return on Equity (ROE) | 10.0735% | 2,397 |
| Retained earnings to average equity (ytd only) | 2.2990% | 4,174 |
| Net charge-offs to loans | 0.0191% | 2,740 |
| Credit loss provision to net charge-offs | 391.7910% | 775 |
| Earnings coverage of net charge-offs (x) | 146.1287% | 552 |
| Efficiency ratio | 62.6141% | 3,231 |
| Assets per employee ($millions) | 5.8666% | 1,701 |
| Cash dividends to net income (ytd only)* | 77.1782% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,527 |
| Loan loss allowance to noncurrent loans | 440.1947% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,049 |
| Noncurrent loans to loans | 0.2289% | 3,725 |
| Net loans and leases to total assets | 58.9031% | 3,782 |
| Net loans and leases to deposits | 71.1383% | 3,674 |
| Net loans and leases to core deposits | 72.5782% | 3,910 |
| Total domestic deposits to total assets | 82.8009% | 3,227 |
| Equity capital to assets | 14.9301% | 862 |
| Core capital (leverage) ratio | 11.3648% | 2,331 |
| Tier 1 risk-based capital ratio | 15.1322% | 2,793 |
| Total risk-based capital ratio | 15.9832% | 2,901 |
| Memoranda: | ||
| Average total assets | $1,574,537,750 | 534 |
| Average earning assets | $1,413,520,500 | 539 |
| Average equity | $231,519,250 | 421 |
| Average total loans | $935,804,750 | 611 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 2,318 |
| Cost of funding earning assets | 0.1665% | 5,131 |
| Net interest margin | 4.5480% | 688 |
| Noninterest income to average assets | 0.4604% | 2,908 |
| Noninterest expense to average assets | 2.9332% | 2,185 |
| Loan and lease loss provision to assets | 0.0350% | 3,126 |
| Net operating income to assets | 1.1087% | 2,490 |
| Return on assets (ROA) | 1.4823% | 1,245 |
| Pretax return on assets | 2.0545% | 612 |
| Return on Equity (ROE) | 10.1330% | 2,327 |
| Retained earnings to average equity (ytd only) | 3.6074% | 3,447 |
| Net charge-offs to loans | -0.0056% | 4,156 |
| Credit loss provision to net charge-offs | -1,057.6923% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3434% | 3,238 |
| Assets per employee ($millions) | 5.7396% | 1,751 |
| Cash dividends to net income (ytd only)* | 64.3998% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,743 |
| Loan loss allowance to noncurrent loans | 385.1351% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 4,007 |
| Noncurrent loans to loans | 0.2543% | 3,622 |
| Net loans and leases to total assets | 58.9525% | 3,830 |
| Net loans and leases to deposits | 73.4372% | 3,561 |
| Net loans and leases to core deposits | 74.8501% | 3,830 |
| Total domestic deposits to total assets | 80.2761% | 3,978 |
| Equity capital to assets | 14.6115% | 918 |
| Core capital (leverage) ratio | 11.3623% | 2,283 |
| Tier 1 risk-based capital ratio | 15.0751% | 2,802 |
| Total risk-based capital ratio | 15.9150% | 2,915 |
| Memoranda: | ||
| Average total assets | $1,571,393,670 | 535 |
| Average earning assets | $1,412,982,330 | 540 |
| Average equity | $229,862,670 | 423 |
| Average total loans | $933,572,000 | 615 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 2,203 |
| Cost of funding earning assets | 0.1138% | 5,261 |
| Net interest margin | 4.5921% | 618 |
| Noninterest income to average assets | 0.4408% | 2,905 |
| Noninterest expense to average assets | 2.9592% | 2,109 |
| Loan and lease loss provision to assets | -0.0064% | 5,202 |
| Net operating income to assets | 1.1552% | 2,242 |
| Return on assets (ROA) | 1.3883% | 1,444 |
| Pretax return on assets | 1.9137% | 769 |
| Return on Equity (ROE) | 9.4852% | 2,593 |
| Retained earnings to average equity (ytd only) | 6.8416% | 2,101 |
| Net charge-offs to loans | -0.0170% | 4,427 |
| Credit loss provision to net charge-offs | 64.1026% | 1,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5989% | 3,300 |
| Assets per employee ($millions) | 5.3562% | 2,118 |
| Cash dividends to net income (ytd only)* | 27.8707% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,774 |
| Loan loss allowance to noncurrent loans | 589.0181% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 4,313 |
| Noncurrent loans to loans | 0.1679% | 3,999 |
| Net loans and leases to total assets | 58.3556% | 3,846 |
| Net loans and leases to deposits | 70.5798% | 3,728 |
| Net loans and leases to core deposits | 71.9625% | 3,946 |
| Total domestic deposits to total assets | 82.6803% | 3,512 |
| Equity capital to assets | 14.8061% | 793 |
| Core capital (leverage) ratio | 11.6379% | 2,027 |
| Tier 1 risk-based capital ratio | 15.4988% | 2,652 |
| Total risk-based capital ratio | 16.3385% | 2,760 |
| Memoranda: | ||
| Average total assets | $1,550,674,000 | 539 |
| Average earning assets | $1,394,828,000 | 545 |
| Average equity | $226,964,500 | 427 |
| Average total loans | $920,252,500 | 629 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,369 |
| Cost of funding earning assets | 0.0899% | 5,309 |
| Net interest margin | 4.4401% | 862 |
| Noninterest income to average assets | 0.5331% | 2,642 |
| Noninterest expense to average assets | 2.7941% | 2,710 |
| Loan and lease loss provision to assets | 0.0032% | 4,043 |
| Net operating income to assets | 1.3195% | 1,722 |
| Return on assets (ROA) | 1.3828% | 1,479 |
| Pretax return on assets | 1.8207% | 871 |
| Return on Equity (ROE) | 10.2153% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.8875% | 908 |
| Net charge-offs to loans | -0.0301% | 4,813 |
| Credit loss provision to net charge-offs | -18.1159% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7886% | 3,729 |
| Assets per employee ($millions) | 5.1074% | 2,374 |
| Cash dividends to net income (ytd only)* | 12.9989% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,756 |
| Loan loss allowance to noncurrent loans | 332.2628% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 3,915 |
| Noncurrent loans to loans | 0.2982% | 3,496 |
| Net loans and leases to total assets | 59.1669% | 3,848 |
| Net loans and leases to deposits | 70.8060% | 3,763 |
| Net loans and leases to core deposits | 72.0692% | 3,986 |
| Total domestic deposits to total assets | 83.5620% | 3,140 |
| Equity capital to assets | 14.4640% | 850 |
| Core capital (leverage) ratio | 11.3195% | 2,253 |
| Tier 1 risk-based capital ratio | 15.3776% | 2,673 |
| Total risk-based capital ratio | 16.2277% | 2,768 |
| Memoranda: | ||
| Average total assets | $1,585,501,000 | 519 |
| Average earning assets | $1,430,004,400 | 521 |
| Average equity | $214,628,200 | 428 |
| Average total loans | $916,714,800 | 600 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 2,438 |
| Cost of funding earning assets | 0.0866% | 5,382 |
| Net interest margin | 4.3716% | 959 |
| Noninterest income to average assets | 0.5333% | 2,659 |
| Noninterest expense to average assets | 2.7554% | 2,790 |
| Loan and lease loss provision to assets | 0.0042% | 3,888 |
| Net operating income to assets | 1.3020% | 1,845 |
| Return on assets (ROA) | 1.3788% | 1,561 |
| Pretax return on assets | 1.8132% | 986 |
| Return on Equity (ROE) | 10.3563% | 2,454 |
| Retained earnings to average equity (ytd only) | 10.3563% | 807 |
| Net charge-offs to loans | -0.0287% | 4,731 |
| Credit loss provision to net charge-offs | -25.3807% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8876% | 3,674 |
| Assets per employee ($millions) | 4.9472% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 3,832 |
| Loan loss allowance to noncurrent loans | 218.3644% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 3,595 |
| Noncurrent loans to loans | 0.4532% | 3,027 |
| Net loans and leases to total assets | 59.4457% | 3,904 |
| Net loans and leases to deposits | 70.7436% | 3,861 |
| Net loans and leases to core deposits | 72.2336% | 4,067 |
| Total domestic deposits to total assets | 84.0298% | 2,933 |
| Equity capital to assets | 14.2802% | 884 |
| Core capital (leverage) ratio | 11.0631% | 2,521 |
| Tier 1 risk-based capital ratio | 15.5064% | 2,653 |
| Total risk-based capital ratio | 16.3747% | 2,754 |
| Memoranda: | ||
| Average total assets | $1,597,543,500 | 508 |
| Average earning assets | $1,440,624,750 | 515 |
| Average equity | $212,695,500 | 427 |
| Average total loans | $916,219,750 | 596 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,660 |
| Cost of funding earning assets | 0.0826% | 5,439 |
| Net interest margin | 4.2485% | 1,167 |
| Noninterest income to average assets | 0.5370% | 2,656 |
| Noninterest expense to average assets | 2.7554% | 2,827 |
| Loan and lease loss provision to assets | 0.0062% | 3,716 |
| Net operating income to assets | 1.2267% | 2,077 |
| Return on assets (ROA) | 1.3099% | 1,731 |
| Pretax return on assets | 1.7183% | 1,172 |
| Return on Equity (ROE) | 10.0663% | 2,533 |
| Retained earnings to average equity (ytd only) | 10.0663% | 908 |
| Net charge-offs to loans | -0.0201% | 4,571 |
| Credit loss provision to net charge-offs | -54.3478% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3026% | 3,587 |
| Assets per employee ($millions) | 5.0597% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 4,091 |
| Loan loss allowance to noncurrent loans | 217.9863% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 3,734 |
| Noncurrent loans to loans | 0.4377% | 3,124 |
| Net loans and leases to total assets | 58.2793% | 3,963 |
| Net loans and leases to deposits | 69.8324% | 3,876 |
| Net loans and leases to core deposits | 71.4144% | 4,048 |
| Total domestic deposits to total assets | 83.4559% | 3,262 |
| Equity capital to assets | 13.4495% | 1,120 |
| Core capital (leverage) ratio | 10.4353% | 3,093 |
| Tier 1 risk-based capital ratio | 14.5908% | 3,075 |
| Total risk-based capital ratio | 15.4290% | 3,188 |
| Memoranda: | ||
| Average total assets | $1,623,796,670 | 498 |
| Average earning assets | $1,466,735,670 | 507 |
| Average equity | $211,298,670 | 431 |
| Average total loans | $917,667,330 | 601 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 2,617 |
| Cost of funding earning assets | 0.0704% | 5,515 |
| Net interest margin | 4.2047% | 1,167 |
| Noninterest income to average assets | 0.4472% | 3,133 |
| Noninterest expense to average assets | 2.7005% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1849% | 2,076 |
| Return on assets (ROA) | 1.3418% | 1,519 |
| Pretax return on assets | 1.7447% | 1,015 |
| Return on Equity (ROE) | 10.4822% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.4822% | 1,019 |
| Net charge-offs to loans | -0.0044% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8981% | 3,650 |
| Assets per employee ($millions) | 4.9904% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 4,184 |
| Loan loss allowance to noncurrent loans | 216.5599% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,869 |
| Noncurrent loans to loans | 0.4423% | 3,206 |
| Net loans and leases to total assets | 56.0274% | 4,119 |
| Net loans and leases to deposits | 65.2074% | 4,139 |
| Net loans and leases to core deposits | 67.4693% | 4,242 |
| Total domestic deposits to total assets | 85.9219% | 2,575 |
| Equity capital to assets | 12.9205% | 1,286 |
| Core capital (leverage) ratio | 9.8917% | 3,658 |
| Tier 1 risk-based capital ratio | 14.1732% | 3,290 |
| Total risk-based capital ratio | 15.0072% | 3,417 |
| Memoranda: | ||
| Average total assets | $1,641,318,000 | 500 |
| Average earning assets | $1,483,109,500 | 503 |
| Average equity | $210,108,500 | 435 |
| Average total loans | $909,084,000 | 605 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,361 |
| Cost of funding earning assets | 0.0735% | 5,567 |
| Net interest margin | 4.2166% | 1,155 |
| Noninterest income to average assets | 0.5104% | 2,934 |
| Noninterest expense to average assets | 2.9043% | 2,443 |
| Loan and lease loss provision to assets | -0.0774% | 5,449 |
| Net operating income to assets | 0.8813% | 2,810 |
| Return on assets (ROA) | 1.0020% | 2,271 |
| Pretax return on assets | 1.6969% | 1,015 |
| Return on Equity (ROE) | 8.1133% | 2,746 |
| Retained earnings to average equity (ytd only) | 6.4058% | 1,329 |
| Net charge-offs to loans | -0.0758% | 5,301 |
| Credit loss provision to net charge-offs | 191.0299% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4591% | 3,179 |
| Assets per employee ($millions) | 4.9723% | 2,513 |
| Cash dividends to net income (ytd only)* | 21.0452% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,081 |
| Loan loss allowance to noncurrent loans | 305.3217% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 4,264 |
| Noncurrent loans to loans | 0.3192% | 3,631 |
| Net loans and leases to total assets | 53.7047% | 4,386 |
| Net loans and leases to deposits | 62.4151% | 4,418 |
| Net loans and leases to core deposits | 64.5638% | 4,496 |
| Total domestic deposits to total assets | 86.0444% | 2,412 |
| Equity capital to assets | 12.6847% | 1,417 |
| Core capital (leverage) ratio | 9.4598% | 4,097 |
| Tier 1 risk-based capital ratio | 12.9573% | 3,931 |
| Total risk-based capital ratio | 13.7448% | 4,109 |
| Memoranda: | ||
| Average total assets | $1,485,756,000 | 523 |
| Average earning assets | $1,347,715,200 | 526 |
| Average equity | $183,489,400 | 466 |
| Average total loans | $793,882,200 | 660 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,419 |
| Cost of funding earning assets | 0.0714% | 5,636 |
| Net interest margin | 4.1819% | 1,198 |
| Noninterest income to average assets | 0.5324% | 2,824 |
| Noninterest expense to average assets | 2.8143% | 2,680 |
| Loan and lease loss provision to assets | -0.1063% | 5,589 |
| Net operating income to assets | 1.1367% | 1,924 |
| Return on assets (ROA) | 1.3184% | 1,309 |
| Pretax return on assets | 1.8845% | 713 |
| Return on Equity (ROE) | 10.7594% | 1,794 |
| Retained earnings to average equity (ytd only) | 9.3008% | 758 |
| Net charge-offs to loans | -0.1286% | 5,444 |
| Credit loss provision to net charge-offs | 155.4054% | 1,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4779% | 3,451 |
| Assets per employee ($millions) | 4.6953% | 2,842 |
| Cash dividends to net income (ytd only)* | 13.5564% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,224 |
| Loan loss allowance to noncurrent loans | 300.4043% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 4,243 |
| Noncurrent loans to loans | 0.3811% | 3,583 |
| Net loans and leases to total assets | 54.1098% | 4,406 |
| Net loans and leases to deposits | 63.1731% | 4,435 |
| Net loans and leases to core deposits | 65.4086% | 4,521 |
| Total domestic deposits to total assets | 85.6532% | 2,453 |
| Equity capital to assets | 12.9922% | 1,395 |
| Core capital (leverage) ratio | 9.7568% | 3,874 |
| Tier 1 risk-based capital ratio | 13.3509% | 3,794 |
| Total risk-based capital ratio | 14.2598% | 3,911 |
| Memoranda: | ||
| Average total assets | $1,442,007,500 | 539 |
| Average earning assets | $1,310,468,500 | 542 |
| Average equity | $176,696,500 | 481 |
| Average total loans | $767,183,000 | 685 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 2,330 |
| Cost of funding earning assets | 0.0752% | 5,665 |
| Net interest margin | 4.1627% | 1,163 |
| Noninterest income to average assets | 0.4795% | 3,154 |
| Noninterest expense to average assets | 2.7839% | 2,815 |
| Loan and lease loss provision to assets | -0.0345% | 5,588 |
| Net operating income to assets | 1.0743% | 2,108 |
| Return on assets (ROA) | 1.3330% | 1,232 |
| Pretax return on assets | 1.8761% | 694 |
| Return on Equity (ROE) | 11.0977% | 1,604 |
| Retained earnings to average equity (ytd only) | 9.7182% | 641 |
| Net charge-offs to loans | -0.0579% | 5,238 |
| Credit loss provision to net charge-offs | 113.1222% | 1,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8509% | 3,524 |
| Assets per employee ($millions) | 4.7516% | 2,717 |
| Cash dividends to net income (ytd only)* | 12.4301% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,964 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 4,301 |
| Noncurrent loans to loans | 0.4030% | 3,588 |
| Net loans and leases to total assets | 52.5924% | 4,518 |
| Net loans and leases to deposits | 60.9841% | 4,563 |
| Net loans and leases to core deposits | 63.6116% | 4,629 |
| Total domestic deposits to total assets | 86.2394% | 2,278 |
| Equity capital to assets | 12.5128% | 1,613 |
| Core capital (leverage) ratio | 9.3320% | 4,326 |
| Tier 1 risk-based capital ratio | 13.6853% | 3,595 |
| Total risk-based capital ratio | 14.6882% | 3,645 |
| Memoranda: | ||
| Average total assets | $1,448,449,330 | 538 |
| Average earning assets | $1,315,831,000 | 539 |
| Average equity | $173,982,670 | 483 |
| Average total loans | $763,335,330 | 693 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 2,409 |
| Cost of funding earning assets | 0.0756% | 5,727 |
| Net interest margin | 4.0892% | 1,235 |
| Noninterest income to average assets | 0.4498% | 3,317 |
| Noninterest expense to average assets | 2.7297% | 3,034 |
| Loan and lease loss provision to assets | -0.0276% | 5,683 |
| Net operating income to assets | 1.0872% | 1,926 |
| Return on assets (ROA) | 1.1856% | 1,580 |
| Pretax return on assets | 1.5951% | 1,252 |
| Return on Equity (ROE) | 10.0797% | 1,935 |
| Retained earnings to average equity (ytd only) | 9.6107% | 901 |
| Net charge-offs to loans | 0.0063% | 2,757 |
| Credit loss provision to net charge-offs | -833.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | 433.5000% | 133 |
| Efficiency ratio | 65.0596% | 3,655 |
| Assets per employee ($millions) | 4.9273% | 2,542 |
| Cash dividends to net income (ytd only)* | 4.6522% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,102 |
| Loan loss allowance to noncurrent loans | 299.2530% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,381 |
| Noncurrent loans to loans | 0.4028% | 3,651 |
| Net loans and leases to total assets | 51.7783% | 4,538 |
| Net loans and leases to deposits | 59.5605% | 4,595 |
| Net loans and leases to core deposits | 62.2818% | 4,634 |
| Total domestic deposits to total assets | 86.9339% | 2,248 |
| Equity capital to assets | 11.9090% | 1,904 |
| Core capital (leverage) ratio | 8.9177% | 4,826 |
| Tier 1 risk-based capital ratio | 12.7961% | 4,204 |
| Total risk-based capital ratio | 13.7595% | 4,287 |
| Memoranda: | ||
| Average total assets | $1,450,429,500 | 538 |
| Average earning assets | $1,317,516,500 | 544 |
| Average equity | $170,601,000 | 491 |
| Average total loans | $760,509,000 | 697 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,449 |
| Cost of funding earning assets | 0.0811% | 5,773 |
| Net interest margin | 3.8518% | 2,129 |
| Noninterest income to average assets | 0.5449% | 2,947 |
| Noninterest expense to average assets | 2.8889% | 2,714 |
| Loan and lease loss provision to assets | -0.4447% | 5,869 |
| Net operating income to assets | 1.1121% | 1,850 |
| Return on assets (ROA) | 1.2057% | 1,571 |
| Pretax return on assets | 1.7580% | 874 |
| Return on Equity (ROE) | 10.3716% | 1,818 |
| Retained earnings to average equity (ytd only) | 1.8648% | 4,473 |
| Net charge-offs to loans | -0.8631% | 5,857 |
| Credit loss provision to net charge-offs | 105.1024% | 2,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6921% | 2,795 |
| Assets per employee ($millions) | 4.7761% | 2,685 |
| Cash dividends to net income (ytd only)* | 82.0199% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,922 |
| Loan loss allowance to noncurrent loans | 427.7982% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 4,716 |
| Noncurrent loans to loans | 0.2881% | 4,117 |
| Net loans and leases to total assets | 51.8104% | 4,626 |
| Net loans and leases to deposits | 59.4576% | 4,713 |
| Net loans and leases to core deposits | 62.4000% | 4,731 |
| Total domestic deposits to total assets | 87.1384% | 2,068 |
| Equity capital to assets | 11.6135% | 2,074 |
| Core capital (leverage) ratio | 8.6386% | 5,131 |
| Tier 1 risk-based capital ratio | 12.5914% | 4,328 |
| Total risk-based capital ratio | 13.5742% | 4,379 |
| Memoranda: | ||
| Average total assets | $1,315,599,400 | 560 |
| Average earning assets | $1,202,876,400 | 560 |
| Average equity | $152,937,200 | 521 |
| Average total loans | $644,918,000 | 774 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 3,802 |
| Cost of funding earning assets | 0.0781% | 5,852 |
| Net interest margin | 3.7610% | 2,487 |
| Noninterest income to average assets | 0.5536% | 2,897 |
| Noninterest expense to average assets | 2.8474% | 2,836 |
| Loan and lease loss provision to assets | -0.6075% | 5,952 |
| Net operating income to assets | 1.2232% | 1,549 |
| Return on assets (ROA) | 1.3450% | 1,257 |
| Pretax return on assets | 1.9388% | 648 |
| Return on Equity (ROE) | 11.5671% | 1,470 |
| Retained earnings to average equity (ytd only) | -0.0518% | 5,362 |
| Net charge-offs to loans | -1.1970% | 5,924 |
| Credit loss provision to net charge-offs | 105.6147% | 2,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8555% | 2,767 |
| Assets per employee ($millions) | 4.8428% | 2,570 |
| Cash dividends to net income (ytd only)* | 100.4478% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 1,855 |
| Loan loss allowance to noncurrent loans | 729.9058% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 5,041 |
| Noncurrent loans to loans | 0.2023% | 4,548 |
| Net loans and leases to total assets | 47.8113% | 4,976 |
| Net loans and leases to deposits | 54.9458% | 5,055 |
| Net loans and leases to core deposits | 57.3516% | 5,085 |
| Total domestic deposits to total assets | 87.0155% | 1,890 |
| Equity capital to assets | 11.5039% | 2,511 |
| Core capital (leverage) ratio | 8.3951% | 5,431 |
| Tier 1 risk-based capital ratio | 12.9324% | 4,201 |
| Total risk-based capital ratio | 14.1025% | 4,162 |
| Memoranda: | ||
| Average total assets | $1,283,904,750 | 575 |
| Average earning assets | $1,177,237,000 | 570 |
| Average equity | $149,293,750 | 532 |
| Average total loans | $616,990,500 | 804 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,794 |
| Cost of funding earning assets | 0.0768% | 5,936 |
| Net interest margin | 3.7670% | 2,449 |
| Noninterest income to average assets | 0.5627% | 2,833 |
| Noninterest expense to average assets | 2.8157% | 2,979 |
| Loan and lease loss provision to assets | -0.7583% | 6,035 |
| Net operating income to assets | 1.3590% | 1,142 |
| Return on assets (ROA) | 1.5115% | 918 |
| Pretax return on assets | 2.1771% | 395 |
| Return on Equity (ROE) | 12.9520% | 1,046 |
| Retained earnings to average equity (ytd only) | 3.2929% | 3,803 |
| Net charge-offs to loans | -1.6686% | 6,005 |
| Credit loss provision to net charge-offs | 94.8748% | 2,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8921% | 2,994 |
| Assets per employee ($millions) | 4.8148% | 2,541 |
| Cash dividends to net income (ytd only)* | 74.5759% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,636 |
| Loan loss allowance to noncurrent loans | 564.1143% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,962 |
| Noncurrent loans to loans | 0.2773% | 4,375 |
| Net loans and leases to total assets | 48.1376% | 4,983 |
| Net loans and leases to deposits | 55.6251% | 5,042 |
| Net loans and leases to core deposits | 58.0867% | 5,066 |
| Total domestic deposits to total assets | 86.5394% | 2,147 |
| Equity capital to assets | 11.9943% | 2,121 |
| Core capital (leverage) ratio | 8.7817% | 5,080 |
| Tier 1 risk-based capital ratio | 13.4898% | 3,912 |
| Total risk-based capital ratio | 14.7537% | 3,809 |
| Memoranda: | ||
| Average total assets | $1,279,250,330 | 577 |
| Average earning assets | $1,171,847,000 | 573 |
| Average equity | $149,290,000 | 530 |
| Average total loans | $612,711,670 | 810 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,075 |
| Cost of funding earning assets | 0.0760% | 6,000 |
| Net interest margin | 3.6901% | 2,709 |
| Noninterest income to average assets | 0.5062% | 3,072 |
| Noninterest expense to average assets | 2.7649% | 3,200 |
| Loan and lease loss provision to assets | -0.0785% | 5,968 |
| Net operating income to assets | 0.8700% | 2,900 |
| Return on assets (ROA) | 1.0979% | 2,008 |
| Pretax return on assets | 1.5015% | 1,582 |
| Return on Equity (ROE) | 9.5421% | 2,181 |
| Retained earnings to average equity (ytd only) | 7.7407% | 1,571 |
| Net charge-offs to loans | -0.5143% | 5,995 |
| Credit loss provision to net charge-offs | 32.2165% | 2,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0639% | 2,949 |
| Assets per employee ($millions) | 4.7080% | 2,730 |
| Cash dividends to net income (ytd only)* | 18.8787% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 1,444 |
| Loan loss allowance to noncurrent loans | 275.5096% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 4,402 |
| Noncurrent loans to loans | 0.6041% | 3,365 |
| Net loans and leases to total assets | 47.1116% | 5,039 |
| Net loans and leases to deposits | 54.2427% | 5,087 |
| Net loans and leases to core deposits | 56.7490% | 5,100 |
| Total domestic deposits to total assets | 86.8533% | 2,273 |
| Equity capital to assets | 11.7785% | 2,178 |
| Core capital (leverage) ratio | 8.8290% | 5,053 |
| Tier 1 risk-based capital ratio | 13.7794% | 3,826 |
| Total risk-based capital ratio | 15.0410% | 3,753 |
| Memoranda: | ||
| Average total assets | $1,273,692,000 | 576 |
| Average earning assets | $1,163,009,000 | 574 |
| Average equity | $146,550,000 | 539 |
| Average total loans | $603,555,500 | 820 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 4,029 |
| Cost of funding earning assets | 0.0851% | 6,018 |
| Net interest margin | 3.7194% | 2,680 |
| Noninterest income to average assets | 0.5971% | 2,731 |
| Noninterest expense to average assets | 2.8981% | 2,865 |
| Loan and lease loss provision to assets | 0.0491% | 3,347 |
| Net operating income to assets | 0.8295% | 3,198 |
| Return on assets (ROA) | 0.9273% | 2,809 |
| Pretax return on assets | 1.1618% | 2,805 |
| Return on Equity (ROE) | 8.1521% | 2,870 |
| Retained earnings to average equity (ytd only) | 6.5274% | 1,523 |
| Net charge-offs to loans | -0.1193% | 5,825 |
| Credit loss provision to net charge-offs | -85.4701% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0383% | 2,907 |
| Assets per employee ($millions) | 4.6748% | 2,767 |
| Cash dividends to net income (ytd only)* | 19.9295% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 1,592 |
| Loan loss allowance to noncurrent loans | 398.2594% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 4,849 |
| Noncurrent loans to loans | 0.4034% | 4,009 |
| Net loans and leases to total assets | 46.1127% | 5,149 |
| Net loans and leases to deposits | 52.6929% | 5,244 |
| Net loans and leases to core deposits | 55.3426% | 5,235 |
| Total domestic deposits to total assets | 87.5122% | 1,876 |
| Equity capital to assets | 11.2344% | 2,610 |
| Core capital (leverage) ratio | 8.5758% | 5,351 |
| Tier 1 risk-based capital ratio | 13.6733% | 3,904 |
| Total risk-based capital ratio | 14.9295% | 3,829 |
| Memoranda: | ||
| Average total assets | $1,222,960,000 | 574 |
| Average earning assets | $1,114,544,000 | 577 |
| Average equity | $139,105,000 | 544 |
| Average total loans | $588,495,800 | 793 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,077 |
| Cost of funding earning assets | 0.0870% | 6,101 |
| Net interest margin | 3.7160% | 2,692 |
| Noninterest income to average assets | 0.6136% | 2,670 |
| Noninterest expense to average assets | 2.9240% | 2,769 |
| Loan and lease loss provision to assets | 0.0661% | 2,860 |
| Net operating income to assets | 0.7958% | 3,445 |
| Return on assets (ROA) | 0.9229% | 2,936 |
| Pretax return on assets | 1.1663% | 2,946 |
| Return on Equity (ROE) | 8.0875% | 3,033 |
| Retained earnings to average equity (ytd only) | 5.9045% | 2,308 |
| Net charge-offs to loans | -0.0421% | 5,486 |
| Credit loss provision to net charge-offs | -324.3243% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4855% | 2,791 |
| Assets per employee ($millions) | 4.5514% | 2,918 |
| Cash dividends to net income (ytd only)* | 26.9915% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 2,082 |
| Loan loss allowance to noncurrent loans | 364.5950% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 4,946 |
| Noncurrent loans to loans | 0.4162% | 4,115 |
| Net loans and leases to total assets | 47.8503% | 5,091 |
| Net loans and leases to deposits | 54.8439% | 5,199 |
| Net loans and leases to core deposits | 58.1513% | 5,180 |
| Total domestic deposits to total assets | 87.2483% | 1,922 |
| Equity capital to assets | 11.4203% | 2,564 |
| Core capital (leverage) ratio | 8.5523% | 5,513 |
| Tier 1 risk-based capital ratio | 13.3420% | 4,221 |
| Total risk-based capital ratio | 14.5653% | 4,172 |
| Memoranda: | ||
| Average total assets | $1,209,644,250 | 583 |
| Average earning assets | $1,100,918,750 | 588 |
| Average equity | $138,037,250 | 549 |
| Average total loans | $586,092,000 | 800 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,137 |
| Cost of funding earning assets | 0.0863% | 6,177 |
| Net interest margin | 3.6924% | 2,745 |
| Noninterest income to average assets | 0.6602% | 2,416 |
| Noninterest expense to average assets | 2.9360% | 2,762 |
| Loan and lease loss provision to assets | 0.0832% | 2,453 |
| Net operating income to assets | 0.7718% | 3,529 |
| Return on assets (ROA) | 0.9588% | 2,706 |
| Pretax return on assets | 1.2434% | 2,578 |
| Return on Equity (ROE) | 8.4043% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.1497% | 1,641 |
| Net charge-offs to loans | 0.0323% | 3,019 |
| Credit loss provision to net charge-offs | 531.9149% | 601 |
| Earnings coverage of net charge-offs (x) | 69.2766% | 779 |
| Efficiency ratio | 72.3430% | 2,956 |
| Assets per employee ($millions) | 4.5043% | 2,982 |
| Cash dividends to net income (ytd only)* | 14.9280% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 2,437 |
| Loan loss allowance to noncurrent loans | 140.1866% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 3,911 |
| Noncurrent loans to loans | 1.0438% | 2,559 |
| Net loans and leases to total assets | 48.2483% | 5,080 |
| Net loans and leases to deposits | 55.2051% | 5,178 |
| Net loans and leases to core deposits | 58.5016% | 5,161 |
| Total domestic deposits to total assets | 87.3982% | 1,967 |
| Equity capital to assets | 11.2917% | 2,580 |
| Core capital (leverage) ratio | 8.6464% | 5,378 |
| Tier 1 risk-based capital ratio | 13.3614% | 4,302 |
| Total risk-based capital ratio | 14.5473% | 4,271 |
| Memoranda: | ||
| Average total assets | $1,201,718,000 | 585 |
| Average earning assets | $1,093,377,000 | 588 |
| Average equity | $137,096,330 | 552 |
| Average total loans | $581,692,670 | 806 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,336 |
| Cost of funding earning assets | 0.0858% | 6,249 |
| Net interest margin | 3.6215% | 2,919 |
| Noninterest income to average assets | 0.6286% | 2,503 |
| Noninterest expense to average assets | 3.0597% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6700% | 3,955 |
| Return on assets (ROA) | 0.8596% | 3,083 |
| Pretax return on assets | 1.1037% | 3,056 |
| Return on Equity (ROE) | 7.4959% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.4959% | 1,764 |
| Net charge-offs to loans | -0.0633% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3298% | 2,294 |
| Assets per employee ($millions) | 4.4027% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,645 |
| Loan loss allowance to noncurrent loans | 61.3245% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 2,288 |
| Noncurrent loans to loans | 2.3737% | 1,035 |
| Net loans and leases to total assets | 47.4801% | 5,088 |
| Net loans and leases to deposits | 54.5656% | 5,156 |
| Net loans and leases to core deposits | 57.8448% | 5,131 |
| Total domestic deposits to total assets | 87.0147% | 2,360 |
| Equity capital to assets | 11.5864% | 2,386 |
| Core capital (leverage) ratio | 8.5384% | 5,487 |
| Tier 1 risk-based capital ratio | 13.2118% | 4,490 |
| Total risk-based capital ratio | 14.3838% | 4,456 |
| Memoranda: | ||
| Average total assets | $1,194,490,000 | 589 |
| Average earning assets | $1,085,725,000 | 589 |
| Average equity | $136,981,000 | 554 |
| Average total loans | $574,790,500 | 811 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 3,951 |
| Cost of funding earning assets | 0.1011% | 6,324 |
| Net interest margin | 3.8429% | 2,455 |
| Noninterest income to average assets | 0.5802% | 2,986 |
| Noninterest expense to average assets | 2.9802% | 2,899 |
| Loan and lease loss provision to assets | 0.6885% | 183 |
| Net operating income to assets | 0.4114% | 5,187 |
| Return on assets (ROA) | 0.4894% | 4,938 |
| Pretax return on assets | 0.4649% | 5,341 |
| Return on Equity (ROE) | 4.2845% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.5103% | 4,450 |
| Net charge-offs to loans | 1.6458% | 140 |
| Credit loss provision to net charge-offs | 89.8706% | 2,654 |
| Earnings coverage of net charge-offs (x) | 1.4038% | 4,425 |
| Efficiency ratio | 72.7644% | 3,077 |
| Assets per employee ($millions) | 4.3012% | 3,362 |
| Cash dividends to net income (ytd only)* | 41.4097% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 2,691 |
| Loan loss allowance to noncurrent loans | 59.1233% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 2,405 |
| Noncurrent loans to loans | 2.4541% | 1,041 |
| Net loans and leases to total assets | 47.3612% | 5,212 |
| Net loans and leases to deposits | 54.2828% | 5,312 |
| Net loans and leases to core deposits | 57.4686% | 5,284 |
| Total domestic deposits to total assets | 87.2490% | 2,148 |
| Equity capital to assets | 11.3485% | 2,564 |
| Core capital (leverage) ratio | 8.3096% | 5,768 |
| Tier 1 risk-based capital ratio | 13.5880% | 4,355 |
| Total risk-based capital ratio | 14.8016% | 4,318 |
| Memoranda: | ||
| Average total assets | $1,159,698,600 | 582 |
| Average earning assets | $1,048,840,600 | 587 |
| Average equity | $132,453,000 | 551 |
| Average total loans | $539,851,400 | 816 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,853 |
| Cost of funding earning assets | 0.1042% | 6,401 |
| Net interest margin | 3.8707% | 2,351 |
| Noninterest income to average assets | 0.6097% | 2,807 |
| Noninterest expense to average assets | 3.0163% | 2,749 |
| Loan and lease loss provision to assets | -0.0463% | 6,179 |
| Net operating income to assets | 0.8705% | 3,071 |
| Return on assets (ROA) | 0.9216% | 2,910 |
| Pretax return on assets | 1.2007% | 2,775 |
| Return on Equity (ROE) | 8.0556% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.1836% | 2,284 |
| Net charge-offs to loans | 0.3308% | 1,213 |
| Credit loss provision to net charge-offs | -30.3260% | 5,304 |
| Earnings coverage of net charge-offs (x) | 7.1259% | 2,974 |
| Efficiency ratio | 72.7796% | 3,046 |
| Assets per employee ($millions) | 4.2772% | 3,339 |
| Cash dividends to net income (ytd only)* | 23.2383% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 3,398 |
| Loan loss allowance to noncurrent loans | 175.5509% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 4,830 |
| Noncurrent loans to loans | 0.7690% | 3,665 |
| Net loans and leases to total assets | 47.0385% | 5,292 |
| Net loans and leases to deposits | 54.2200% | 5,370 |
| Net loans and leases to core deposits | 57.8440% | 5,339 |
| Total domestic deposits to total assets | 86.7548% | 2,447 |
| Equity capital to assets | 11.7878% | 2,229 |
| Core capital (leverage) ratio | 9.0227% | 5,046 |
| Tier 1 risk-based capital ratio | 14.8382% | 3,686 |
| Total risk-based capital ratio | 15.9444% | 3,700 |
| Memoranda: | ||
| Average total assets | $1,151,763,500 | 585 |
| Average earning assets | $1,039,853,000 | 589 |
| Average equity | $131,763,750 | 552 |
| Average total loans | $531,667,250 | 830 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 3,692 |
| Cost of funding earning assets | 0.1087% | 6,450 |
| Net interest margin | 3.9023% | 2,156 |
| Noninterest income to average assets | 0.6159% | 2,734 |
| Noninterest expense to average assets | 2.9928% | 2,857 |
| Loan and lease loss provision to assets | -0.0697% | 6,334 |
| Net operating income to assets | 0.9146% | 2,731 |
| Return on assets (ROA) | 0.9581% | 2,604 |
| Pretax return on assets | 1.2709% | 2,364 |
| Return on Equity (ROE) | 8.4618% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.8461% | 1,843 |
| Net charge-offs to loans | 0.5729% | 710 |
| Credit loss provision to net charge-offs | -26.6489% | 5,121 |
| Earnings coverage of net charge-offs (x) | 4.3711% | 3,123 |
| Efficiency ratio | 71.6530% | 3,406 |
| Assets per employee ($millions) | 4.2961% | 3,281 |
| Cash dividends to net income (ytd only)* | 19.0944% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 3,642 |
| Loan loss allowance to noncurrent loans | 157.7504% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 4,817 |
| Noncurrent loans to loans | 0.8497% | 3,579 |
| Net loans and leases to total assets | 46.3682% | 5,327 |
| Net loans and leases to deposits | 53.2921% | 5,399 |
| Net loans and leases to core deposits | 57.0540% | 5,341 |
| Total domestic deposits to total assets | 87.0078% | 2,450 |
| Equity capital to assets | 11.6606% | 2,274 |
| Core capital (leverage) ratio | 8.8943% | 5,168 |
| Tier 1 risk-based capital ratio | 14.6751% | 3,827 |
| Total risk-based capital ratio | 15.7737% | 3,854 |
| Memoranda: | ||
| Average total assets | $1,147,883,670 | 582 |
| Average earning assets | $1,035,441,000 | 591 |
| Average equity | $129,971,670 | 558 |
| Average total loans | $523,977,670 | 835 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,371 |
| Cost of funding earning assets | 0.1154% | 6,512 |
| Net interest margin | 3.9616% | 1,881 |
| Noninterest income to average assets | 0.5717% | 2,906 |
| Noninterest expense to average assets | 3.0172% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8712% | 2,784 |
| Return on assets (ROA) | 0.9437% | 2,506 |
| Pretax return on assets | 1.2208% | 2,386 |
| Return on Equity (ROE) | 8.4631% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.8924% | 2,091 |
| Net charge-offs to loans | 0.6911% | 528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.6257% | 2,651 |
| Efficiency ratio | 72.1025% | 3,469 |
| Assets per employee ($millions) | 4.2810% | 3,380 |
| Cash dividends to net income (ytd only)* | 18.5598% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 2,620 |
| Loan loss allowance to noncurrent loans | 167.0213% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 4,826 |
| Noncurrent loans to loans | 0.9685% | 3,487 |
| Net loans and leases to total assets | 44.4436% | 5,468 |
| Net loans and leases to deposits | 51.0590% | 5,518 |
| Net loans and leases to core deposits | 54.6945% | 5,453 |
| Total domestic deposits to total assets | 87.0437% | 2,782 |
| Equity capital to assets | 11.4544% | 2,289 |
| Core capital (leverage) ratio | 8.5863% | 5,538 |
| Tier 1 risk-based capital ratio | 14.5997% | 3,948 |
| Total risk-based capital ratio | 15.8505% | 3,899 |
| Memoranda: | ||
| Average total assets | $1,141,851,000 | 593 |
| Average earning assets | $1,029,575,000 | 597 |
| Average equity | $127,329,000 | 568 |
| Average total loans | $513,389,000 | 856 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 4,215 |
| Cost of funding earning assets | 0.1460% | 6,552 |
| Net interest margin | 3.8195% | 2,573 |
| Noninterest income to average assets | 0.6539% | 2,788 |
| Noninterest expense to average assets | 3.1915% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7706% | 3,443 |
| Return on assets (ROA) | 0.8794% | 2,969 |
| Pretax return on assets | 1.0463% | 3,168 |
| Return on Equity (ROE) | 7.0714% | 3,532 |
| Retained earnings to average equity (ytd only) | -7.7533% | 6,487 |
| Net charge-offs to loans | 0.2084% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.6757% | 2,473 |
| Efficiency ratio | 77.0182% | 2,616 |
| Assets per employee ($millions) | 4.2563% | 3,344 |
| Cash dividends to net income (ytd only)* | 209.6436% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 2,070 |
| Loan loss allowance to noncurrent loans | 121.3815% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 4,211 |
| Noncurrent loans to loans | 1.4806% | 2,673 |
| Net loans and leases to total assets | 43.9448% | 5,676 |
| Net loans and leases to deposits | 50.0881% | 5,763 |
| Net loans and leases to core deposits | 53.5986% | 5,696 |
| Total domestic deposits to total assets | 87.7351% | 2,344 |
| Equity capital to assets | 10.8495% | 2,761 |
| Core capital (leverage) ratio | 8.0853% | 6,069 |
| Tier 1 risk-based capital ratio | 13.7886% | 4,448 |
| Total risk-based capital ratio | 15.0412% | 4,389 |
| Memoranda: | ||
| Average total assets | $976,342,600 | 675 |
| Average earning assets | $882,990,200 | 679 |
| Average equity | $121,419,000 | 582 |
| Average total loans | $443,763,400 | 961 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 4,106 |
| Cost of funding earning assets | 0.1520% | 6,632 |
| Net interest margin | 3.8545% | 2,444 |
| Noninterest income to average assets | 0.6591% | 2,832 |
| Noninterest expense to average assets | 3.2412% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7659% | 3,529 |
| Return on assets (ROA) | 0.9017% | 2,938 |
| Pretax return on assets | 1.0686% | 3,227 |
| Return on Equity (ROE) | 6.9781% | 3,660 |
| Retained earnings to average equity (ytd only) | -6.2756% | 6,545 |
| Net charge-offs to loans | 0.1253% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.8455% | 1,835 |
| Efficiency ratio | 77.5048% | 2,484 |
| Assets per employee ($millions) | 4.0565% | 3,723 |
| Cash dividends to net income (ytd only)* | 189.9335% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 2,034 |
| Loan loss allowance to noncurrent loans | 121.3164% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 4,242 |
| Noncurrent loans to loans | 1.5570% | 2,829 |
| Net loans and leases to total assets | 46.3257% | 5,514 |
| Net loans and leases to deposits | 53.4321% | 5,590 |
| Net loans and leases to core deposits | 57.4960% | 5,488 |
| Total domestic deposits to total assets | 86.7001% | 2,856 |
| Equity capital to assets | 11.8581% | 2,008 |
| Core capital (leverage) ratio | 8.7774% | 5,445 |
| Tier 1 risk-based capital ratio | 14.2282% | 4,271 |
| Total risk-based capital ratio | 15.4842% | 4,212 |
| Memoranda: | ||
| Average total assets | $934,189,250 | 712 |
| Average earning assets | $845,601,000 | 708 |
| Average equity | $120,718,250 | 594 |
| Average total loans | $426,615,000 | 1,006 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5979% | 5,440 |
| Cost of funding earning assets | 0.1547% | 6,693 |
| Net interest margin | 3.4432% | 4,029 |
| Noninterest income to average assets | 0.6495% | 2,917 |
| Noninterest expense to average assets | 3.1497% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5239% | 4,700 |
| Return on assets (ROA) | 0.7346% | 3,799 |
| Pretax return on assets | 0.8922% | 3,937 |
| Return on Equity (ROE) | 5.4979% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.4979% | 2,743 |
| Net charge-offs to loans | 0.2680% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.2650% | 2,932 |
| Efficiency ratio | 82.6173% | 1,806 |
| Assets per employee ($millions) | 4.0300% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,133 |
| Loan loss allowance to noncurrent loans | 93.5041% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 3,393 |
| Noncurrent loans to loans | 2.5357% | 1,819 |
| Net loans and leases to total assets | 45.4166% | 5,597 |
| Net loans and leases to deposits | 53.4122% | 5,567 |
| Net loans and leases to core deposits | 58.1074% | 5,413 |
| Total domestic deposits to total assets | 85.0302% | 3,872 |
| Equity capital to assets | 13.0956% | 1,311 |
| Core capital (leverage) ratio | 10.2407% | 3,174 |
| Tier 1 risk-based capital ratio | 17.0584% | 2,689 |
| Total risk-based capital ratio | 18.3200% | 2,660 |
| Memoranda: | ||
| Average total assets | $881,856,000 | 750 |
| Average earning assets | $803,020,670 | 755 |
| Average equity | $117,826,330 | 610 |
| Average total loans | $397,075,670 | 1,076 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 5,555 |
| Cost of funding earning assets | 0.1533% | 6,787 |
| Net interest margin | 3.4078% | 4,088 |
| Noninterest income to average assets | 0.6264% | 2,998 |
| Noninterest expense to average assets | 3.0673% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5410% | 4,495 |
| Return on assets (ROA) | 0.8414% | 3,085 |
| Pretax return on assets | 1.0316% | 3,220 |
| Return on Equity (ROE) | 6.2367% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.2367% | 2,545 |
| Net charge-offs to loans | 0.6552% | 935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.2919% | 3,079 |
| Efficiency ratio | 81.5745% | 2,103 |
| Assets per employee ($millions) | 4.2171% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4271% | 1,205 |
| Loan loss allowance to noncurrent loans | 86.1462% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2438% | 3,487 |
| Noncurrent loans to loans | 2.8174% | 1,800 |
| Net loans and leases to total assets | 43.0760% | 5,755 |
| Net loans and leases to deposits | 51.6446% | 5,654 |
| Net loans and leases to core deposits | 55.7850% | 5,539 |
| Total domestic deposits to total assets | 83.4084% | 4,708 |
| Equity capital to assets | 13.5308% | 1,202 |
| Core capital (leverage) ratio | 10.6370% | 2,608 |
| Tier 1 risk-based capital ratio | 18.3204% | 2,257 |
| Total risk-based capital ratio | 19.6066% | 2,206 |
| Memoranda: | ||
| Average total assets | $887,543,000 | 747 |
| Average earning assets | $808,960,000 | 757 |
| Average equity | $119,742,000 | 615 |
| Average total loans | $393,141,500 | 1,084 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 4,998 |
| Cost of funding earning assets | 0.2277% | 6,762 |
| Net interest margin | 3.8583% | 2,992 |
| Noninterest income to average assets | 0.6479% | 3,001 |
| Noninterest expense to average assets | 3.0913% | 2,955 |
| Loan and lease loss provision to assets | 0.0815% | 4,680 |
| Net operating income to assets | 0.7781% | 3,381 |
| Return on assets (ROA) | 0.9307% | 2,890 |
| Pretax return on assets | 1.1686% | 2,908 |
| Return on Equity (ROE) | 6.8791% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.2972% | 3,199 |
| Net charge-offs to loans | 0.4801% | 2,320 |
| Credit loss provision to net charge-offs | 35.6597% | 5,012 |
| Earnings coverage of net charge-offs (x) | 4.6342% | 3,303 |
| Efficiency ratio | 73.9178% | 3,083 |
| Assets per employee ($millions) | 4.2764% | 3,406 |
| Cash dividends to net income (ytd only)* | 37.5328% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5633% | 1,054 |
| Loan loss allowance to noncurrent loans | 104.5178% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 3,839 |
| Noncurrent loans to loans | 2.4525% | 2,166 |
| Net loans and leases to total assets | 43.3037% | 5,882 |
| Net loans and leases to deposits | 51.0693% | 5,879 |
| Net loans and leases to core deposits | 54.8486% | 5,814 |
| Total domestic deposits to total assets | 84.7940% | 3,945 |
| Equity capital to assets | 13.4522% | 1,252 |
| Core capital (leverage) ratio | 10.2237% | 3,105 |
| Tier 1 risk-based capital ratio | 17.6715% | 2,390 |
| Total risk-based capital ratio | 18.9630% | 2,339 |
| Memoranda: | ||
| Average total assets | $858,785,400 | 762 |
| Average earning assets | $779,644,600 | 766 |
| Average equity | $116,192,400 | 618 |
| Average total loans | $408,908,000 | 1,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 4,857 |
| Cost of funding earning assets | 0.2445% | 6,832 |
| Net interest margin | 3.9441% | 2,729 |
| Noninterest income to average assets | 0.6443% | 3,019 |
| Noninterest expense to average assets | 3.1215% | 2,825 |
| Loan and lease loss provision to assets | 0.0783% | 4,660 |
| Net operating income to assets | 0.8024% | 3,440 |
| Return on assets (ROA) | 0.9597% | 2,920 |
| Pretax return on assets | 1.2243% | 2,894 |
| Return on Equity (ROE) | 7.0823% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.1921% | 3,943 |
| Net charge-offs to loans | 0.5439% | 1,973 |
| Credit loss provision to net charge-offs | 29.7265% | 4,806 |
| Earnings coverage of net charge-offs (x) | 4.1784% | 3,375 |
| Efficiency ratio | 73.3694% | 3,089 |
| Assets per employee ($millions) | 4.2845% | 3,307 |
| Cash dividends to net income (ytd only)* | 40.8096% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5590% | 1,131 |
| Loan loss allowance to noncurrent loans | 100.2355% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 3,993 |
| Noncurrent loans to loans | 2.5530% | 2,241 |
| Net loans and leases to total assets | 43.8523% | 5,981 |
| Net loans and leases to deposits | 52.5213% | 5,940 |
| Net loans and leases to core deposits | 56.7287% | 5,834 |
| Total domestic deposits to total assets | 83.4943% | 4,441 |
| Equity capital to assets | 13.3960% | 1,392 |
| Core capital (leverage) ratio | 10.3523% | 3,101 |
| Tier 1 risk-based capital ratio | 17.5576% | 2,518 |
| Total risk-based capital ratio | 18.8584% | 2,464 |
| Memoranda: | ||
| Average total assets | $851,107,500 | 777 |
| Average earning assets | $772,130,500 | 781 |
| Average equity | $115,326,250 | 621 |
| Average total loans | $412,305,500 | 1,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 4,656 |
| Cost of funding earning assets | 0.2654% | 6,855 |
| Net interest margin | 4.0120% | 2,451 |
| Noninterest income to average assets | 0.6378% | 3,016 |
| Noninterest expense to average assets | 3.1917% | 2,619 |
| Loan and lease loss provision to assets | 0.1192% | 4,042 |
| Net operating income to assets | 0.7700% | 3,513 |
| Return on assets (ROA) | 0.8546% | 3,386 |
| Pretax return on assets | 1.0646% | 3,445 |
| Return on Equity (ROE) | 6.2821% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.2821% | 2,513 |
| Net charge-offs to loans | 0.8428% | 1,314 |
| Credit loss provision to net charge-offs | 28.4738% | 4,465 |
| Earnings coverage of net charge-offs (x) | 2.5757% | 3,722 |
| Efficiency ratio | 74.1948% | 3,044 |
| Assets per employee ($millions) | 4.0350% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4472% | 1,354 |
| Loan loss allowance to noncurrent loans | 99.0041% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 3,488 |
| Noncurrent loans to loans | 2.4719% | 2,430 |
| Net loans and leases to total assets | 48.3934% | 5,574 |
| Net loans and leases to deposits | 57.4520% | 5,511 |
| Net loans and leases to core deposits | 62.1435% | 5,372 |
| Total domestic deposits to total assets | 84.2328% | 4,221 |
| Equity capital to assets | 14.0070% | 1,097 |
| Core capital (leverage) ratio | 10.6031% | 2,707 |
| Tier 1 risk-based capital ratio | 17.1358% | 2,609 |
| Total risk-based capital ratio | 18.4298% | 2,560 |
| Memoranda: | ||
| Average total assets | $839,179,670 | 792 |
| Average earning assets | $759,665,670 | 790 |
| Average equity | $114,165,670 | 623 |
| Average total loans | $416,695,330 | 1,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 4,681 |
| Cost of funding earning assets | 0.2721% | 6,936 |
| Net interest margin | 4.0430% | 2,320 |
| Noninterest income to average assets | 0.6215% | 3,094 |
| Noninterest expense to average assets | 3.2408% | 2,471 |
| Loan and lease loss provision to assets | 0.1902% | 3,049 |
| Net operating income to assets | 0.7095% | 3,839 |
| Return on assets (ROA) | 0.8465% | 3,420 |
| Pretax return on assets | 1.0158% | 3,626 |
| Return on Equity (ROE) | 6.3147% | 4,133 |
| Retained earnings to average equity (ytd only) | 6.3147% | 2,791 |
| Net charge-offs to loans | 1.4464% | 693 |
| Credit loss provision to net charge-offs | 26.4725% | 3,680 |
| Earnings coverage of net charge-offs (x) | 1.4487% | 3,602 |
| Efficiency ratio | 75.1333% | 2,914 |
| Assets per employee ($millions) | 3.9711% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5187% | 1,326 |
| Loan loss allowance to noncurrent loans | 101.4100% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4863% | 3,637 |
| Noncurrent loans to loans | 2.4837% | 2,626 |
| Net loans and leases to total assets | 47.7331% | 5,592 |
| Net loans and leases to deposits | 56.5107% | 5,546 |
| Net loans and leases to core deposits | 61.3860% | 5,395 |
| Total domestic deposits to total assets | 84.4674% | 4,292 |
| Equity capital to assets | 13.7063% | 1,139 |
| Core capital (leverage) ratio | 10.2088% | 3,093 |
| Tier 1 risk-based capital ratio | 16.7759% | 2,771 |
| Total risk-based capital ratio | 18.0620% | 2,713 |
| Memoranda: | ||
| Average total assets | $841,147,500 | 793 |
| Average earning assets | $761,511,000 | 790 |
| Average equity | $112,752,000 | 632 |
| Average total loans | $417,871,500 | 998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 4,115 |
| Cost of funding earning assets | 0.3919% | 6,912 |
| Net interest margin | 4.3392% | 1,578 |
| Noninterest income to average assets | 0.7456% | 2,359 |
| Noninterest expense to average assets | 3.4520% | 2,116 |
| Loan and lease loss provision to assets | 0.1307% | 4,984 |
| Net operating income to assets | 0.8273% | 2,920 |
| Return on assets (ROA) | 0.8529% | 2,961 |
| Pretax return on assets | 1.1119% | 2,791 |
| Return on Equity (ROE) | 6.4376% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.4376% | 1,783 |
| Net charge-offs to loans | 0.1558% | 4,897 |
| Credit loss provision to net charge-offs | 157.1856% | 1,779 |
| Earnings coverage of net charge-offs (x) | 14.5479% | 1,450 |
| Efficiency ratio | 72.9510% | 3,400 |
| Assets per employee ($millions) | 4.0398% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6664% | 1,119 |
| Loan loss allowance to noncurrent loans | 78.9525% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 3,398 |
| Noncurrent loans to loans | 3.3772% | 1,913 |
| Net loans and leases to total assets | 49.0357% | 5,711 |
| Net loans and leases to deposits | 58.2668% | 5,673 |
| Net loans and leases to core deposits | 63.1767% | 5,545 |
| Total domestic deposits to total assets | 84.1572% | 4,255 |
| Equity capital to assets | 13.1079% | 1,436 |
| Core capital (leverage) ratio | 10.0140% | 3,324 |
| Tier 1 risk-based capital ratio | 16.0242% | 3,034 |
| Total risk-based capital ratio | 17.3124% | 2,971 |
| Memoranda: | ||
| Average total assets | $803,601,800 | 818 |
| Average earning assets | $725,159,200 | 821 |
| Average equity | $106,468,800 | 647 |
| Average total loans | $428,628,000 | 973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 4,072 |
| Cost of funding earning assets | 0.4146% | 6,981 |
| Net interest margin | 4.3732% | 1,479 |
| Noninterest income to average assets | 0.7932% | 2,085 |
| Noninterest expense to average assets | 3.5450% | 1,823 |
| Loan and lease loss provision to assets | 0.1262% | 4,852 |
| Net operating income to assets | 0.8211% | 3,057 |
| Return on assets (ROA) | 0.8494% | 3,097 |
| Pretax return on assets | 1.0991% | 3,017 |
| Return on Equity (ROE) | 6.3926% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.3926% | 2,299 |
| Net charge-offs to loans | 0.2278% | 4,012 |
| Credit loss provision to net charge-offs | 102.3192% | 3,260 |
| Earnings coverage of net charge-offs (x) | 9.6371% | 2,022 |
| Efficiency ratio | 73.7852% | 3,222 |
| Assets per employee ($millions) | 3.9721% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5909% | 1,276 |
| Loan loss allowance to noncurrent loans | 65.6842% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.0457% | 3,083 |
| Noncurrent loans to loans | 3.9444% | 1,675 |
| Net loans and leases to total assets | 49.7197% | 5,744 |
| Net loans and leases to deposits | 58.6428% | 5,784 |
| Net loans and leases to core deposits | 64.3457% | 5,580 |
| Total domestic deposits to total assets | 84.7840% | 3,878 |
| Equity capital to assets | 13.1787% | 1,526 |
| Core capital (leverage) ratio | 10.0681% | 3,347 |
| Tier 1 risk-based capital ratio | 15.7609% | 3,245 |
| Total risk-based capital ratio | 17.0545% | 3,174 |
| Memoranda: | ||
| Average total assets | $792,412,250 | 834 |
| Average earning assets | $713,997,250 | 839 |
| Average equity | $105,285,500 | 658 |
| Average total loans | $428,936,250 | 985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 3,880 |
| Cost of funding earning assets | 0.4384% | 7,044 |
| Net interest margin | 4.4084% | 1,344 |
| Noninterest income to average assets | 0.8591% | 1,775 |
| Noninterest expense to average assets | 3.6028% | 1,734 |
| Loan and lease loss provision to assets | 0.0899% | 5,193 |
| Net operating income to assets | 0.9050% | 2,614 |
| Return on assets (ROA) | 0.9038% | 2,727 |
| Pretax return on assets | 1.1327% | 2,718 |
| Return on Equity (ROE) | 6.7825% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.7825% | 1,975 |
| Net charge-offs to loans | 0.1530% | 4,265 |
| Credit loss provision to net charge-offs | 106.3830% | 2,900 |
| Earnings coverage of net charge-offs (x) | 14.4833% | 1,479 |
| Efficiency ratio | 73.5377% | 3,459 |
| Assets per employee ($millions) | 3.7727% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5290% | 1,405 |
| Loan loss allowance to noncurrent loans | 73.7683% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 3,382 |
| Noncurrent loans to loans | 3.4283% | 2,068 |
| Net loans and leases to total assets | 53.6818% | 5,337 |
| Net loans and leases to deposits | 63.4511% | 5,344 |
| Net loans and leases to core deposits | 69.8160% | 5,094 |
| Total domestic deposits to total assets | 84.6034% | 4,074 |
| Equity capital to assets | 13.5148% | 1,284 |
| Core capital (leverage) ratio | 10.0359% | 3,218 |
| Tier 1 risk-based capital ratio | 14.9866% | 3,502 |
| Total risk-based capital ratio | 16.2605% | 3,462 |
| Memoranda: | ||
| Average total assets | $778,501,000 | 859 |
| Average earning assets | $700,715,000 | 872 |
| Average equity | $103,737,330 | 667 |
| Average total loans | $429,993,000 | 1,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 3,849 |
| Cost of funding earning assets | 0.4532% | 7,108 |
| Net interest margin | 4.3912% | 1,306 |
| Noninterest income to average assets | 0.9290% | 1,547 |
| Noninterest expense to average assets | 3.6614% | 1,625 |
| Loan and lease loss provision to assets | 0.0518% | 5,353 |
| Net operating income to assets | 0.8814% | 2,657 |
| Return on assets (ROA) | 0.8631% | 2,795 |
| Pretax return on assets | 1.1441% | 2,591 |
| Return on Equity (ROE) | 6.5250% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.5250% | 2,359 |
| Net charge-offs to loans | 0.0890% | 4,057 |
| Credit loss provision to net charge-offs | 105.2632% | 2,532 |
| Earnings coverage of net charge-offs (x) | 24.7789% | 979 |
| Efficiency ratio | 73.9089% | 3,528 |
| Assets per employee ($millions) | 3.5632% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6109% | 1,298 |
| Loan loss allowance to noncurrent loans | 70.7117% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 2.0676% | 3,239 |
| Noncurrent loans to loans | 3.6923% | 2,000 |
| Net loans and leases to total assets | 53.6515% | 5,357 |
| Net loans and leases to deposits | 63.6768% | 5,292 |
| Net loans and leases to core deposits | 71.7670% | 4,819 |
| Total domestic deposits to total assets | 84.2559% | 4,384 |
| Equity capital to assets | 13.4378% | 1,208 |
| Core capital (leverage) ratio | 9.6670% | 3,575 |
| Tier 1 risk-based capital ratio | 14.5106% | 3,732 |
| Total risk-based capital ratio | 15.7773% | 3,683 |
| Memoranda: | ||
| Average total assets | $771,616,000 | 874 |
| Average earning assets | $694,566,500 | 879 |
| Average equity | $102,069,000 | 670 |
| Average total loans | $426,819,500 | 1,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 3,185 |
| Cost of funding earning assets | 0.6138% | 7,099 |
| Net interest margin | 4.6747% | 863 |
| Noninterest income to average assets | 0.7165% | 2,744 |
| Noninterest expense to average assets | 3.6973% | 1,705 |
| Loan and lease loss provision to assets | 0.4973% | 3,170 |
| Net operating income to assets | 0.7112% | 3,192 |
| Return on assets (ROA) | 0.4786% | 4,357 |
| Pretax return on assets | 0.4560% | 4,774 |
| Return on Equity (ROE) | 3.6920% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.6920% | 3,276 |
| Net charge-offs to loans | 0.6576% | 3,036 |
| Credit loss provision to net charge-offs | 127.2605% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.0352% | 3,555 |
| Efficiency ratio | 74.6041% | 3,274 |
| Assets per employee ($millions) | 3.6315% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5519% | 1,344 |
| Loan loss allowance to noncurrent loans | 59.3395% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.5589% | 2,715 |
| Noncurrent loans to loans | 4.3005% | 1,677 |
| Net loans and leases to total assets | 54.1198% | 5,616 |
| Net loans and leases to deposits | 64.5496% | 5,567 |
| Net loans and leases to core deposits | 73.0167% | 5,095 |
| Total domestic deposits to total assets | 83.8422% | 4,428 |
| Equity capital to assets | 13.0210% | 1,383 |
| Core capital (leverage) ratio | 9.3197% | 3,977 |
| Tier 1 risk-based capital ratio | 13.9244% | 3,916 |
| Total risk-based capital ratio | 15.1892% | 3,876 |
| Memoranda: | ||
| Average total assets | $764,182,600 | 884 |
| Average earning assets | $681,153,600 | 901 |
| Average equity | $99,053,000 | 682 |
| Average total loans | $454,099,600 | 994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 2,823 |
| Cost of funding earning assets | 0.6439% | 7,194 |
| Net interest margin | 4.7689% | 718 |
| Noninterest income to average assets | 0.7047% | 2,794 |
| Noninterest expense to average assets | 3.7445% | 1,482 |
| Loan and lease loss provision to assets | 0.5081% | 2,917 |
| Net operating income to assets | 0.6252% | 3,770 |
| Return on assets (ROA) | 0.5186% | 4,410 |
| Pretax return on assets | 0.5719% | 4,687 |
| Return on Equity (ROE) | 4.0059% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.0059% | 3,656 |
| Net charge-offs to loans | 0.5783% | 3,009 |
| Credit loss provision to net charge-offs | 145.4363% | 2,699 |
| Earnings coverage of net charge-offs (x) | 3.4263% | 3,457 |
| Efficiency ratio | 74.6729% | 3,203 |
| Assets per employee ($millions) | 3.8030% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4188% | 1,448 |
| Loan loss allowance to noncurrent loans | 58.9428% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 2.8937% | 2,508 |
| Noncurrent loans to loans | 4.1037% | 1,805 |
| Net loans and leases to total assets | 58.6145% | 5,168 |
| Net loans and leases to deposits | 70.2825% | 5,106 |
| Net loans and leases to core deposits | 79.7158% | 4,562 |
| Total domestic deposits to total assets | 83.3984% | 4,417 |
| Equity capital to assets | 13.3693% | 1,405 |
| Core capital (leverage) ratio | 9.9250% | 3,326 |
| Tier 1 risk-based capital ratio | 13.5464% | 4,164 |
| Total risk-based capital ratio | 14.8243% | 4,088 |
| Memoranda: | ||
| Average total assets | $760,944,750 | 887 |
| Average earning assets | $676,054,500 | 906 |
| Average equity | $98,518,500 | 678 |
| Average total loans | $459,725,250 | 988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 3,008 |
| Cost of funding earning assets | 0.6724% | 7,249 |
| Net interest margin | 4.7198% | 789 |
| Noninterest income to average assets | 0.7173% | 2,599 |
| Noninterest expense to average assets | 3.7107% | 1,543 |
| Loan and lease loss provision to assets | 0.4212% | 3,215 |
| Net operating income to assets | 0.6688% | 3,533 |
| Return on assets (ROA) | 0.5236% | 4,383 |
| Pretax return on assets | 0.6178% | 4,517 |
| Return on Equity (ROE) | 4.0887% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.0887% | 3,480 |
| Net charge-offs to loans | 0.1444% | 4,783 |
| Credit loss provision to net charge-offs | 481.9277% | 772 |
| Earnings coverage of net charge-offs (x) | 13.8434% | 1,565 |
| Efficiency ratio | 74.3059% | 3,413 |
| Assets per employee ($millions) | 3.8540% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4470% | 1,369 |
| Loan loss allowance to noncurrent loans | 76.4839% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.4485% | 2,940 |
| Noncurrent loans to loans | 3.1994% | 2,505 |
| Net loans and leases to total assets | 60.5231% | 4,960 |
| Net loans and leases to deposits | 72.2935% | 4,948 |
| Net loans and leases to core deposits | 82.2301% | 4,384 |
| Total domestic deposits to total assets | 83.7187% | 4,238 |
| Equity capital to assets | 13.1120% | 1,527 |
| Core capital (leverage) ratio | 9.7991% | 3,406 |
| Tier 1 risk-based capital ratio | 12.7698% | 4,631 |
| Total risk-based capital ratio | 14.0454% | 4,578 |
| Memoranda: | ||
| Average total assets | $759,794,670 | 892 |
| Average earning assets | $676,641,330 | 912 |
| Average equity | $97,293,330 | 675 |
| Average total loans | $459,916,330 | 996 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 2,983 |
| Cost of funding earning assets | 0.6944% | 7,342 |
| Net interest margin | 4.7182% | 753 |
| Noninterest income to average assets | 0.6877% | 2,679 |
| Noninterest expense to average assets | 3.7255% | 1,465 |
| Loan and lease loss provision to assets | 0.3150% | 3,532 |
| Net operating income to assets | 0.7146% | 3,369 |
| Return on assets (ROA) | 0.7239% | 3,449 |
| Pretax return on assets | 0.8635% | 3,612 |
| Return on Equity (ROE) | 5.7210% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.7210% | 2,754 |
| Net charge-offs to loans | 0.1800% | 3,841 |
| Credit loss provision to net charge-offs | 292.6829% | 1,354 |
| Earnings coverage of net charge-offs (x) | 10.8488% | 1,707 |
| Efficiency ratio | 75.0241% | 3,400 |
| Assets per employee ($millions) | 3.8921% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 1,506 |
| Loan loss allowance to noncurrent loans | 58.6883% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7145% | 2,681 |
| Noncurrent loans to loans | 3.9950% | 1,963 |
| Net loans and leases to total assets | 58.1443% | 5,407 |
| Net loans and leases to deposits | 69.2248% | 5,443 |
| Net loans and leases to core deposits | 78.7955% | 4,924 |
| Total domestic deposits to total assets | 83.9935% | 4,150 |
| Equity capital to assets | 12.8757% | 1,568 |
| Core capital (leverage) ratio | 9.4399% | 3,868 |
| Tier 1 risk-based capital ratio | 12.6752% | 4,578 |
| Total risk-based capital ratio | 13.9358% | 4,539 |
| Memoranda: | ||
| Average total assets | $761,998,500 | 912 |
| Average earning assets | $679,155,500 | 931 |
| Average equity | $96,417,000 | 686 |
| Average total loans | $455,548,500 | 1,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0340% | 1,733 |
| Cost of funding earning assets | 0.9626% | 7,281 |
| Net interest margin | 5.0714% | 392 |
| Noninterest income to average assets | 0.7022% | 2,955 |
| Noninterest expense to average assets | 3.5894% | 2,174 |
| Loan and lease loss provision to assets | 1.3901% | 1,646 |
| Net operating income to assets | 0.3180% | 4,461 |
| Return on assets (ROA) | 0.3796% | 4,311 |
| Pretax return on assets | 0.3111% | 4,731 |
| Return on Equity (ROE) | 3.3645% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.3645% | 2,814 |
| Net charge-offs to loans | 1.5676% | 1,608 |
| Credit loss provision to net charge-offs | 139.4985% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.6453% | 4,505 |
| Efficiency ratio | 67.5980% | 5,079 |
| Assets per employee ($millions) | 3.9845% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,611 |
| Loan loss allowance to noncurrent loans | 53.8003% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.8484% | 2,463 |
| Noncurrent loans to loans | 4.1286% | 1,778 |
| Net loans and leases to total assets | 58.6913% | 5,534 |
| Net loans and leases to deposits | 70.0451% | 5,598 |
| Net loans and leases to core deposits | 88.7257% | 5,249 |
| Total domestic deposits to total assets | 83.7907% | 4,130 |
| Equity capital to assets | 12.4324% | 1,779 |
| Core capital (leverage) ratio | 9.1995% | 4,120 |
| Tier 1 risk-based capital ratio | 12.1216% | 4,835 |
| Total risk-based capital ratio | 13.3790% | 4,797 |
| Memoranda: | ||
| Average total assets | $756,356,800 | 903 |
| Average earning assets | $675,140,400 | 916 |
| Average equity | $85,331,200 | 751 |
| Average total loans | $480,800,200 | 1,007 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1614% | 1,471 |
| Cost of funding earning assets | 1.0158% | 7,357 |
| Net interest margin | 5.1457% | 333 |
| Noninterest income to average assets | 0.6919% | 3,075 |
| Noninterest expense to average assets | 3.6400% | 1,941 |
| Loan and lease loss provision to assets | 1.3524% | 1,427 |
| Net operating income to assets | 0.2841% | 4,844 |
| Return on assets (ROA) | 0.4110% | 4,456 |
| Pretax return on assets | 0.4278% | 4,723 |
| Return on Equity (ROE) | 3.7400% | 4,479 |
| Retained earnings to average equity (ytd only) | 3.7400% | 3,198 |
| Net charge-offs to loans | 1.3289% | 1,540 |
| Credit loss provision to net charge-offs | 157.8622% | 3,019 |
| Earnings coverage of net charge-offs (x) | 1.9236% | 4,371 |
| Efficiency ratio | 67.7955% | 5,020 |
| Assets per employee ($millions) | 3.9808% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 1,625 |
| Loan loss allowance to noncurrent loans | 84.7233% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.9749% | 3,381 |
| Noncurrent loans to loans | 2.4613% | 3,058 |
| Net loans and leases to total assets | 62.2497% | 5,196 |
| Net loans and leases to deposits | 73.6884% | 5,406 |
| Net loans and leases to core deposits | 95.0689% | 4,923 |
| Total domestic deposits to total assets | 84.4769% | 3,488 |
| Equity capital to assets | 11.5674% | 2,537 |
| Core capital (leverage) ratio | 8.4921% | 5,512 |
| Tier 1 risk-based capital ratio | 10.5761% | 6,380 |
| Total risk-based capital ratio | 11.8376% | 6,333 |
| Memoranda: | ||
| Average total assets | $754,188,000 | 917 |
| Average earning assets | $673,638,250 | 933 |
| Average equity | $82,886,000 | 788 |
| Average total loans | $486,198,500 | 1,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2136% | 1,411 |
| Cost of funding earning assets | 1.0729% | 7,432 |
| Net interest margin | 5.1407% | 335 |
| Noninterest income to average assets | 0.6952% | 3,017 |
| Noninterest expense to average assets | 3.6580% | 1,925 |
| Loan and lease loss provision to assets | 1.1724% | 1,467 |
| Net operating income to assets | 0.3864% | 4,562 |
| Return on assets (ROA) | 0.5004% | 4,212 |
| Pretax return on assets | 0.5943% | 4,338 |
| Return on Equity (ROE) | 4.6342% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.6342% | 2,717 |
| Net charge-offs to loans | 1.2492% | 1,479 |
| Credit loss provision to net charge-offs | 144.9147% | 3,195 |
| Earnings coverage of net charge-offs (x) | 2.0161% | 4,079 |
| Efficiency ratio | 68.1221% | 5,138 |
| Assets per employee ($millions) | 3.9223% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,197 |
| Loan loss allowance to noncurrent loans | 59.1573% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.2911% | 2,844 |
| Noncurrent loans to loans | 2.9514% | 2,440 |
| Net loans and leases to total assets | 64.8789% | 4,784 |
| Net loans and leases to deposits | 77.6472% | 4,924 |
| Net loans and leases to core deposits | 101.0804% | 4,394 |
| Total domestic deposits to total assets | 83.5560% | 3,984 |
| Equity capital to assets | 11.1023% | 2,835 |
| Core capital (leverage) ratio | 8.4326% | 5,562 |
| Tier 1 risk-based capital ratio | 10.0752% | 6,849 |
| Total risk-based capital ratio | 11.3274% | 6,774 |
| Memoranda: | ||
| Average total assets | $753,469,670 | 932 |
| Average earning assets | $673,328,330 | 942 |
| Average equity | $81,351,670 | 808 |
| Average total loans | $487,982,000 | 1,023 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1713% | 1,688 |
| Cost of funding earning assets | 1.1455% | 7,429 |
| Net interest margin | 5.0258% | 378 |
| Noninterest income to average assets | 0.6758% | 3,028 |
| Noninterest expense to average assets | 3.5708% | 1,926 |
| Loan and lease loss provision to assets | 1.0122% | 1,292 |
| Net operating income to assets | 0.5018% | 4,410 |
| Return on assets (ROA) | 0.7033% | 3,730 |
| Pretax return on assets | 0.8311% | 3,969 |
| Return on Equity (ROE) | 6.6057% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.6057% | 2,375 |
| Net charge-offs to loans | 1.2134% | 1,152 |
| Credit loss provision to net charge-offs | 130.0543% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.0638% | 3,690 |
| Efficiency ratio | 67.9143% | 4,979 |
| Assets per employee ($millions) | 4.0677% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 2,635 |
| Loan loss allowance to noncurrent loans | 54.4190% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.1755% | 2,633 |
| Noncurrent loans to loans | 2.8890% | 2,263 |
| Net loans and leases to total assets | 62.7602% | 5,197 |
| Net loans and leases to deposits | 74.9649% | 5,347 |
| Net loans and leases to core deposits | 93.9431% | 5,155 |
| Total domestic deposits to total assets | 83.7194% | 3,833 |
| Equity capital to assets | 10.9855% | 2,977 |
| Core capital (leverage) ratio | 8.1182% | 6,260 |
| Tier 1 risk-based capital ratio | 10.1135% | 6,799 |
| Total risk-based capital ratio | 11.3641% | 6,709 |
| Memoranda: | ||
| Average total assets | $757,582,500 | 924 |
| Average earning assets | $678,494,500 | 939 |
| Average equity | $80,658,000 | 817 |
| Average total loans | $485,924,000 | 1,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4120% | 3,351 |
| Cost of funding earning assets | 1.4510% | 7,682 |
| Net interest margin | 4.9609% | 556 |
| Noninterest income to average assets | 0.8844% | 2,035 |
| Noninterest expense to average assets | 3.7194% | 1,916 |
| Loan and lease loss provision to assets | 0.2324% | 4,572 |
| Net operating income to assets | 0.9539% | 2,770 |
| Return on assets (ROA) | 0.9744% | 2,548 |
| Pretax return on assets | 1.4181% | 1,914 |
| Return on Equity (ROE) | 9.4307% | 2,464 |
| Retained earnings to average equity (ytd only) | -1.2067% | 5,661 |
| Net charge-offs to loans | 0.1968% | 4,226 |
| Credit loss provision to net charge-offs | 174.3243% | 2,918 |
| Earnings coverage of net charge-offs (x) | 12.1554% | 2,284 |
| Efficiency ratio | 68.8700% | 4,562 |
| Assets per employee ($millions) | 4.2159% | 3,084 |
| Cash dividends to net income (ytd only)* | 112.7959% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 2,739 |
| Loan loss allowance to noncurrent loans | 45.8574% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.0989% | 2,341 |
| Noncurrent loans to loans | 3.2527% | 1,608 |
| Net loans and leases to total assets | 63.5649% | 5,359 |
| Net loans and leases to deposits | 74.9851% | 5,734 |
| Net loans and leases to core deposits | 90.3622% | 5,771 |
| Total domestic deposits to total assets | 84.7700% | 2,947 |
| Equity capital to assets | 10.3016% | 3,710 |
| Core capital (leverage) ratio | 8.1786% | 6,207 |
| Tier 1 risk-based capital ratio | 8.8102% | 7,900 |
| Total risk-based capital ratio | 10.0508% | 7,962 |
| Memoranda: | ||
| Average total assets | $554,983,800 | 1,226 |
| Average earning assets | $498,474,200 | 1,239 |
| Average equity | $57,344,800 | 1,165 |
| Average total loans | $376,028,200 | 1,290 |