Home > Community West Bank > Performance and Condition Ratios
Community West Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 1,424 |
| Cost of funding earning assets | 1.3969% | 2,240 |
| Net interest margin | 3.9372% | 1,297 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.0314% | 1,082 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.7604% | 3,011 |
| Return on assets (ROA) | 0.7714% | 2,948 |
| Pretax return on assets | 1.1112% | 2,380 |
| Return on Equity (ROE) | 7.6200% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.4348% | 2,819 |
| Net charge-offs to loans | -0.0224% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.8722% | 1,476 |
| Assets per employee ($millions) | 8.0577% | 1,402 |
| Cash dividends to net income (ytd only)* | 41.8205% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 1,835 |
| Loan loss allowance to noncurrent loans | 223.3764% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 914 |
| Noncurrent loans to loans | 0.5761% | 1,361 |
| Net loans and leases to total assets | 87.8000% | 95 |
| Net loans and leases to deposits | 110.3271% | 191 |
| Net loans and leases to core deposits | 158.8139% | 160 |
| Total domestic deposits to total assets | 79.5800% | 3,525 |
| Equity capital to assets | 10.6094% | 1,670 |
| Core capital (leverage) ratio | 10.8819% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0965% | 2,209 |
| Memoranda: | ||
| Average total assets | $1,123,598,600 | 896 |
| Average earning assets | $1,078,369,400 | 861 |
| Average equity | $113,713,600 | 865 |
| Average total loans | $956,647,800 | 754 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2559% | 1,350 |
| Cost of funding earning assets | 1.2943% | 2,165 |
| Net interest margin | 3.9616% | 1,277 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.9639% | 1,123 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 0.8672% | 2,809 |
| Return on assets (ROA) | 0.8749% | 2,760 |
| Pretax return on assets | 1.2621% | 2,137 |
| Return on Equity (ROE) | 8.7500% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.2458% | 2,552 |
| Net charge-offs to loans | -0.0334% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.6306% | 1,609 |
| Assets per employee ($millions) | 8.2615% | 1,228 |
| Cash dividends to net income (ytd only)* | 28.5926% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 1,996 |
| Loan loss allowance to noncurrent loans | 261.4738% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 1,151 |
| Noncurrent loans to loans | 0.4872% | 1,603 |
| Net loans and leases to total assets | 82.5000% | 400 |
| Net loans and leases to deposits | 102.6527% | 407 |
| Net loans and leases to core deposits | 151.4707% | 143 |
| Total domestic deposits to total assets | 80.3700% | 3,478 |
| Equity capital to assets | 10.1305% | 1,754 |
| Core capital (leverage) ratio | 10.8360% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2674% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,132,552,000 | 895 |
| Average earning assets | $1,087,087,500 | 859 |
| Average equity | $113,290,000 | 859 |
| Average total loans | $953,941,750 | 761 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 1,181 |
| Cost of funding earning assets | 1.2041% | 1,980 |
| Net interest margin | 4.0182% | 1,209 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 3.0073% | 1,037 |
| Loan and lease loss provision to assets | -0.1300% | 4,585 |
| Net operating income to assets | 0.8849% | 2,809 |
| Return on assets (ROA) | 0.8936% | 2,762 |
| Pretax return on assets | 1.3021% | 2,078 |
| Return on Equity (ROE) | 8.9700% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.5728% | 2,428 |
| Net charge-offs to loans | -0.0407% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.0702% | 1,549 |
| Assets per employee ($millions) | 7.8562% | 1,383 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,067 |
| Loan loss allowance to noncurrent loans | 710.8250% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 2,489 |
| Noncurrent loans to loans | 0.1787% | 2,586 |
| Net loans and leases to total assets | 83.4500% | 308 |
| Net loans and leases to deposits | 103.5261% | 382 |
| Net loans and leases to core deposits | 150.6473% | 145 |
| Total domestic deposits to total assets | 80.6100% | 3,486 |
| Equity capital to assets | 10.0240% | 1,848 |
| Core capital (leverage) ratio | 10.3773% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0916% | 2,263 |
| Memoranda: | ||
| Average total assets | $1,130,038,667 | 888 |
| Average earning assets | $1,083,816,000 | 854 |
| Average equity | $112,554,333 | 860 |
| Average total loans | $954,361,667 | 743 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 1,174 |
| Cost of funding earning assets | 0.9409% | 2,243 |
| Net interest margin | 4.0874% | 1,118 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.0001% | 1,061 |
| Loan and lease loss provision to assets | -0.2600% | 4,638 |
| Net operating income to assets | 0.9455% | 2,701 |
| Return on assets (ROA) | 0.9570% | 2,628 |
| Pretax return on assets | 1.4315% | 1,809 |
| Return on Equity (ROE) | 9.6400% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.9633% | 2,504 |
| Net charge-offs to loans | -0.0407% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.0936% | 1,526 |
| Assets per employee ($millions) | 8.3989% | 1,166 |
| Cash dividends to net income (ytd only)* | 27.7572% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,194 |
| Loan loss allowance to noncurrent loans | 757.8518% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 1,539 |
| Noncurrent loans to loans | 0.1673% | 2,658 |
| Net loans and leases to total assets | 80.4700% | 498 |
| Net loans and leases to deposits | 100.9040% | 405 |
| Net loans and leases to core deposits | 135.8928% | 221 |
| Total domestic deposits to total assets | 79.7500% | 3,795 |
| Equity capital to assets | 9.6004% | 2,064 |
| Core capital (leverage) ratio | 10.4573% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9987% | 2,388 |
| Memoranda: | ||
| Average total assets | $1,129,414,000 | 904 |
| Average earning assets | $1,080,676,000 | 869 |
| Average equity | $112,131,500 | 867 |
| Average total loans | $953,417,500 | 756 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 618 |
| Cost of funding earning assets | 0.3097% | 2,796 |
| Net interest margin | 4.2848% | 442 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.7553% | 1,427 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.2363% | 1,641 |
| Return on assets (ROA) | 1.2348% | 1,596 |
| Pretax return on assets | 1.7252% | 871 |
| Return on Equity (ROE) | 12.9400% | 1,832 |
| Retained earnings to average equity (ytd only) | 11.6466% | 751 |
| Net charge-offs to loans | -0.0605% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.7087% | 2,805 |
| Assets per employee ($millions) | 8.2680% | 1,199 |
| Cash dividends to net income (ytd only)* | 9.9790% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,752 |
| Loan loss allowance to noncurrent loans | 5,101.8957% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 2,025 |
| Noncurrent loans to loans | 0.0221% | 3,643 |
| Net loans and leases to total assets | 86.5500% | 124 |
| Net loans and leases to deposits | 107.9330% | 197 |
| Net loans and leases to core deposits | 137.1682% | 160 |
| Total domestic deposits to total assets | 80.1900% | 3,851 |
| Equity capital to assets | 10.2790% | 1,567 |
| Core capital (leverage) ratio | 10.3368% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5551% | 2,548 |
| Memoranda: | ||
| Average total assets | $1,115,933,200 | 890 |
| Average earning assets | $1,069,497,600 | 866 |
| Average equity | $106,503,000 | 908 |
| Average total loans | $919,219,800 | 740 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 543 |
| Cost of funding earning assets | 0.2700% | 2,487 |
| Net interest margin | 4.1672% | 451 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.6492% | 1,597 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2285% | 1,593 |
| Return on assets (ROA) | 1.2239% | 1,587 |
| Pretax return on assets | 1.7031% | 898 |
| Return on Equity (ROE) | 13.0700% | 1,678 |
| Retained earnings to average equity (ytd only) | 12.1805% | 755 |
| Net charge-offs to loans | -0.0649% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3497% | 3,074 |
| Assets per employee ($millions) | 8.3705% | 1,135 |
| Cash dividends to net income (ytd only)* | 6.7961% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,666 |
| Loan loss allowance to noncurrent loans | 4,669.3277% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 2,088 |
| Noncurrent loans to loans | 0.0252% | 3,721 |
| Net loans and leases to total assets | 85.8900% | 129 |
| Net loans and leases to deposits | 109.6534% | 127 |
| Net loans and leases to core deposits | 127.4685% | 167 |
| Total domestic deposits to total assets | 78.3200% | 4,234 |
| Equity capital to assets | 10.0532% | 1,589 |
| Core capital (leverage) ratio | 9.8295% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4614% | 2,666 |
| Memoranda: | ||
| Average total assets | $1,122,072,000 | 894 |
| Average earning assets | $1,077,532,500 | 869 |
| Average equity | $105,083,000 | 925 |
| Average total loans | $910,189,250 | 744 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 551 |
| Cost of funding earning assets | 0.2671% | 2,060 |
| Net interest margin | 3.9959% | 502 |
| Noninterest income to average assets | 0.4226% | 2,614 |
| Noninterest expense to average assets | 2.6189% | 1,584 |
| Loan and lease loss provision to assets | -0.0056% | 4,381 |
| Net operating income to assets | 1.1950% | 1,446 |
| Return on assets (ROA) | 1.1878% | 1,445 |
| Pretax return on assets | 1.6386% | 867 |
| Return on Equity (ROE) | 12.9885% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.7342% | 653 |
| Net charge-offs to loans | -0.1100% | 4,472 |
| Credit loss provision to net charge-offs | 6.4777% | 1,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4611% | 3,115 |
| Assets per employee ($millions) | 8.3842% | 1,121 |
| Cash dividends to net income (ytd only)* | 9.6568% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,736 |
| Loan loss allowance to noncurrent loans | 2,235.8025% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,091 |
| Noncurrent loans to loans | 0.0533% | 3,550 |
| Net loans and leases to total assets | 81.4852% | 314 |
| Net loans and leases to deposits | 100.7186% | 248 |
| Net loans and leases to core deposits | 115.8388% | 247 |
| Total domestic deposits to total assets | 80.9038% | 4,139 |
| Equity capital to assets | 9.5945% | 1,946 |
| Core capital (leverage) ratio | 9.2986% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2294% | 2,742 |
| Memoranda: | ||
| Average total assets | $1,133,373,333 | 888 |
| Average earning assets | $1,088,717,000 | 866 |
| Average equity | $103,645,333 | 945 |
| Average total loans | $898,354,333 | 741 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 547 |
| Cost of funding earning assets | 0.2762% | 1,859 |
| Net interest margin | 3.8982% | 504 |
| Noninterest income to average assets | 0.4605% | 2,354 |
| Noninterest expense to average assets | 2.3926% | 2,193 |
| Loan and lease loss provision to assets | -0.0991% | 4,601 |
| Net operating income to assets | 1.4096% | 778 |
| Return on assets (ROA) | 1.4016% | 788 |
| Pretax return on assets | 1.9028% | 444 |
| Return on Equity (ROE) | 15.6990% | 560 |
| Retained earnings to average equity (ytd only) | 14.5268% | 326 |
| Net charge-offs to loans | -0.1917% | 4,593 |
| Credit loss provision to net charge-offs | 66.5105% | 1,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8787% | 3,802 |
| Assets per employee ($millions) | 8.7422% | 1,002 |
| Cash dividends to net income (ytd only)* | 7.4664% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,939 |
| Loan loss allowance to noncurrent loans | 1,967.7239% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 2,169 |
| Noncurrent loans to loans | 0.0602% | 3,557 |
| Net loans and leases to total assets | 77.4108% | 422 |
| Net loans and leases to deposits | 94.9840% | 316 |
| Net loans and leases to core deposits | 109.2374% | 279 |
| Total domestic deposits to total assets | 81.4988% | 4,149 |
| Equity capital to assets | 9.1607% | 2,562 |
| Core capital (leverage) ratio | 8.8829% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4876% | 2,778 |
| Memoranda: | ||
| Average total assets | $1,146,704,000 | 887 |
| Average earning assets | $1,101,958,500 | 866 |
| Average equity | $102,376,000 | 972 |
| Average total loans | $891,195,500 | 732 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 602 |
| Cost of funding earning assets | 0.3604% | 1,854 |
| Net interest margin | 4.1442% | 544 |
| Noninterest income to average assets | 0.3412% | 3,372 |
| Noninterest expense to average assets | 2.5775% | 1,929 |
| Loan and lease loss provision to assets | -0.0169% | 4,206 |
| Net operating income to assets | 1.2333% | 1,798 |
| Return on assets (ROA) | 1.2407% | 1,832 |
| Pretax return on assets | 1.7529% | 1,018 |
| Return on Equity (ROE) | 14.0073% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.3185% | 497 |
| Net charge-offs to loans | -0.0442% | 4,271 |
| Credit loss provision to net charge-offs | 46.2916% | 2,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8836% | 3,169 |
| Assets per employee ($millions) | 9.2554% | 848 |
| Cash dividends to net income (ytd only)* | 12.0564% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,041 |
| Loan loss allowance to noncurrent loans | 1,841.4159% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,340 |
| Noncurrent loans to loans | 0.0633% | 3,632 |
| Net loans and leases to total assets | 76.2088% | 508 |
| Net loans and leases to deposits | 92.7429% | 428 |
| Net loans and leases to core deposits | 106.7566% | 355 |
| Total domestic deposits to total assets | 82.1721% | 3,937 |
| Equity capital to assets | 8.6991% | 3,886 |
| Core capital (leverage) ratio | 8.5596% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1878% | 2,844 |
| Memoranda: | ||
| Average total assets | $1,069,678,200 | 914 |
| Average earning assets | $1,022,908,800 | 889 |
| Average equity | $94,743,600 | 1,053 |
| Average total loans | $884,274,400 | 737 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 570 |
| Cost of funding earning assets | 0.3834% | 1,834 |
| Net interest margin | 4.2181% | 521 |
| Noninterest income to average assets | 0.3488% | 3,365 |
| Noninterest expense to average assets | 2.5598% | 1,955 |
| Loan and lease loss provision to assets | -0.0263% | 4,377 |
| Net operating income to assets | 1.3045% | 1,817 |
| Return on assets (ROA) | 1.3115% | 1,840 |
| Pretax return on assets | 1.8529% | 1,041 |
| Return on Equity (ROE) | 14.7341% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.9472% | 651 |
| Net charge-offs to loans | -0.0447% | 4,299 |
| Credit loss provision to net charge-offs | 69.9324% | 1,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4758% | 3,196 |
| Assets per employee ($millions) | 9.7047% | 710 |
| Cash dividends to net income (ytd only)* | 12.1277% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,189 |
| Loan loss allowance to noncurrent loans | 557.9490% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,997 |
| Noncurrent loans to loans | 0.2069% | 3,124 |
| Net loans and leases to total assets | 77.5295% | 430 |
| Net loans and leases to deposits | 94.4144% | 403 |
| Net loans and leases to core deposits | 108.6090% | 353 |
| Total domestic deposits to total assets | 82.1162% | 3,910 |
| Equity capital to assets | 8.6373% | 4,112 |
| Core capital (leverage) ratio | 8.5912% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,047,866,500 | 937 |
| Average earning assets | $1,000,834,500 | 911 |
| Average equity | $93,269,000 | 1,083 |
| Average total loans | $882,322,250 | 751 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 553 |
| Cost of funding earning assets | 0.4064% | 1,832 |
| Net interest margin | 4.2679% | 518 |
| Noninterest income to average assets | 0.3375% | 3,415 |
| Noninterest expense to average assets | 2.6232% | 1,800 |
| Loan and lease loss provision to assets | -0.0420% | 4,495 |
| Net operating income to assets | 1.2921% | 1,892 |
| Return on assets (ROA) | 1.2997% | 1,941 |
| Pretax return on assets | 1.8363% | 1,151 |
| Return on Equity (ROE) | 14.4435% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.2617% | 859 |
| Net charge-offs to loans | -0.0591% | 4,440 |
| Credit loss provision to net charge-offs | 82.3077% | 1,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5118% | 3,080 |
| Assets per employee ($millions) | 8.9319% | 882 |
| Cash dividends to net income (ytd only)* | 15.1057% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,210 |
| Loan loss allowance to noncurrent loans | 537.2508% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 2,040 |
| Noncurrent loans to loans | 0.2134% | 3,193 |
| Net loans and leases to total assets | 83.0780% | 169 |
| Net loans and leases to deposits | 102.0596% | 218 |
| Net loans and leases to core deposits | 119.2396% | 223 |
| Total domestic deposits to total assets | 81.4014% | 4,028 |
| Equity capital to assets | 8.9048% | 3,881 |
| Core capital (leverage) ratio | 8.9374% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,018,670,667 | 952 |
| Average earning assets | $971,537,333 | 932 |
| Average equity | $91,667,667 | 1,093 |
| Average total loans | $879,564,667 | 752 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 601 |
| Cost of funding earning assets | 0.4260% | 1,895 |
| Net interest margin | 4.2320% | 574 |
| Noninterest income to average assets | 0.3388% | 3,406 |
| Noninterest expense to average assets | 2.7177% | 1,581 |
| Loan and lease loss provision to assets | -0.0694% | 4,683 |
| Net operating income to assets | 1.2174% | 2,078 |
| Return on assets (ROA) | 1.2342% | 2,115 |
| Pretax return on assets | 1.7432% | 1,408 |
| Return on Equity (ROE) | 13.6398% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.4219% | 1,292 |
| Net charge-offs to loans | -0.0972% | 4,631 |
| Credit loss provision to net charge-offs | 81.6038% | 1,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1877% | 2,726 |
| Assets per employee ($millions) | 8.4120% | 1,030 |
| Cash dividends to net income (ytd only)* | 16.2602% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,179 |
| Loan loss allowance to noncurrent loans | 525.3080% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,165 |
| Noncurrent loans to loans | 0.2194% | 3,320 |
| Net loans and leases to total assets | 86.2219% | 84 |
| Net loans and leases to deposits | 109.0511% | 143 |
| Net loans and leases to core deposits | 120.1220% | 239 |
| Total domestic deposits to total assets | 79.0656% | 4,324 |
| Equity capital to assets | 8.9838% | 3,701 |
| Core capital (leverage) ratio | 8.9701% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $996,560,000 | 957 |
| Average earning assets | $949,347,000 | 934 |
| Average equity | $90,177,500 | 1,096 |
| Average total loans | $872,712,500 | 757 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 940 |
| Cost of funding earning assets | 0.7433% | 1,491 |
| Net interest margin | 3.9321% | 1,134 |
| Noninterest income to average assets | 0.3972% | 3,106 |
| Noninterest expense to average assets | 2.7546% | 2,055 |
| Loan and lease loss provision to assets | 0.1244% | 2,809 |
| Net operating income to assets | 0.8991% | 2,705 |
| Return on assets (ROA) | 0.8977% | 2,842 |
| Pretax return on assets | 1.2671% | 2,096 |
| Return on Equity (ROE) | 10.4502% | 1,830 |
| Retained earnings to average equity (ytd only) | 9.0331% | 764 |
| Net charge-offs to loans | -0.0308% | 4,545 |
| Credit loss provision to net charge-offs | -481.4961% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4092% | 2,466 |
| Assets per employee ($millions) | 7.7402% | 1,146 |
| Cash dividends to net income (ytd only)* | 13.5607% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,003 |
| Loan loss allowance to noncurrent loans | 263.2748% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 1,624 |
| Noncurrent loans to loans | 0.4515% | 2,620 |
| Net loans and leases to total assets | 86.8876% | 72 |
| Net loans and leases to deposits | 110.5875% | 159 |
| Net loans and leases to core deposits | 126.7086% | 231 |
| Total domestic deposits to total assets | 78.5691% | 4,255 |
| Equity capital to assets | 9.1168% | 3,956 |
| Core capital (leverage) ratio | 9.2854% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $983,323,800 | 896 |
| Average earning assets | $937,961,800 | 866 |
| Average equity | $84,467,000 | 1,106 |
| Average total loans | $825,127,000 | 765 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,158 |
| Cost of funding earning assets | 0.8296% | 1,362 |
| Net interest margin | 3.8306% | 1,537 |
| Noninterest income to average assets | 0.4001% | 3,079 |
| Noninterest expense to average assets | 2.7210% | 2,202 |
| Loan and lease loss provision to assets | 0.1714% | 2,279 |
| Net operating income to assets | 0.8250% | 3,000 |
| Return on assets (ROA) | 0.8207% | 3,138 |
| Pretax return on assets | 1.1580% | 2,537 |
| Return on Equity (ROE) | 9.7012% | 2,133 |
| Retained earnings to average equity (ytd only) | 8.3464% | 1,196 |
| Net charge-offs to loans | -0.0348% | 4,574 |
| Credit loss provision to net charge-offs | -594.8357% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0881% | 2,300 |
| Assets per employee ($millions) | 8.2043% | 925 |
| Cash dividends to net income (ytd only)* | 13.9654% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 2,704 |
| Loan loss allowance to noncurrent loans | 410.3421% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,281 |
| Noncurrent loans to loans | 0.2908% | 3,232 |
| Net loans and leases to total assets | 81.0287% | 517 |
| Net loans and leases to deposits | 111.1670% | 208 |
| Net loans and leases to core deposits | 130.5857% | 242 |
| Total domestic deposits to total assets | 72.8892% | 4,646 |
| Equity capital to assets | 8.3002% | 4,576 |
| Core capital (leverage) ratio | 8.7920% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $985,338,750 | 880 |
| Average earning assets | $940,357,250 | 853 |
| Average equity | $83,355,500 | 1,110 |
| Average total loans | $817,014,500 | 762 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,376 |
| Cost of funding earning assets | 0.9478% | 1,159 |
| Net interest margin | 3.7655% | 1,937 |
| Noninterest income to average assets | 0.3319% | 3,479 |
| Noninterest expense to average assets | 2.7922% | 2,116 |
| Loan and lease loss provision to assets | 0.2388% | 1,763 |
| Net operating income to assets | 0.6369% | 3,619 |
| Return on assets (ROA) | 0.6305% | 3,723 |
| Pretax return on assets | 0.8890% | 3,343 |
| Return on Equity (ROE) | 7.4034% | 2,966 |
| Retained earnings to average equity (ytd only) | 5.3454% | 2,332 |
| Net charge-offs to loans | -0.0341% | 4,581 |
| Credit loss provision to net charge-offs | -842.3358% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0831% | 1,811 |
| Assets per employee ($millions) | 8.0967% | 933 |
| Cash dividends to net income (ytd only)* | 27.7978% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,675 |
| Loan loss allowance to noncurrent loans | 346.7775% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 2,307 |
| Noncurrent loans to loans | 0.3371% | 3,185 |
| Net loans and leases to total assets | 79.7627% | 618 |
| Net loans and leases to deposits | 111.1661% | 209 |
| Net loans and leases to core deposits | 138.4108% | 184 |
| Total domestic deposits to total assets | 71.7509% | 4,724 |
| Equity capital to assets | 7.8625% | 4,781 |
| Core capital (leverage) ratio | 8.9396% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $966,470,667 | 883 |
| Average earning assets | $923,001,333 | 853 |
| Average equity | $82,313,000 | 1,109 |
| Average total loans | $804,529,333 | 767 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 968 |
| Cost of funding earning assets | 1.1381% | 938 |
| Net interest margin | 3.8621% | 1,790 |
| Noninterest income to average assets | 0.4368% | 2,866 |
| Noninterest expense to average assets | 2.8841% | 2,171 |
| Loan and lease loss provision to assets | 0.1706% | 1,723 |
| Net operating income to assets | 0.7598% | 3,057 |
| Return on assets (ROA) | 0.7405% | 3,207 |
| Pretax return on assets | 1.0459% | 2,679 |
| Return on Equity (ROE) | 8.3256% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.0461% | 1,850 |
| Net charge-offs to loans | -0.0298% | 4,470 |
| Credit loss provision to net charge-offs | -675.8621% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9188% | 2,363 |
| Assets per employee ($millions) | 7.1157% | 1,041 |
| Cash dividends to net income (ytd only)* | 27.3796% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,817 |
| Loan loss allowance to noncurrent loans | 314.3690% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 2,240 |
| Noncurrent loans to loans | 0.3729% | 3,146 |
| Net loans and leases to total assets | 83.5455% | 296 |
| Net loans and leases to deposits | 106.9575% | 262 |
| Net loans and leases to core deposits | 146.8388% | 128 |
| Total domestic deposits to total assets | 78.1109% | 4,202 |
| Equity capital to assets | 8.9048% | 4,654 |
| Core capital (leverage) ratio | 9.2064% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $919,370,000 | 894 |
| Average earning assets | $877,969,000 | 868 |
| Average equity | $81,772,000 | 1,115 |
| Average total loans | $778,779,500 | 765 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 790 |
| Cost of funding earning assets | 1.3175% | 736 |
| Net interest margin | 4.0025% | 1,853 |
| Noninterest income to average assets | 0.3968% | 3,313 |
| Noninterest expense to average assets | 2.9478% | 2,152 |
| Loan and lease loss provision to assets | -0.0022% | 4,906 |
| Net operating income to assets | 0.9077% | 3,176 |
| Return on assets (ROA) | 0.9117% | 3,241 |
| Pretax return on assets | 1.2893% | 2,541 |
| Return on Equity (ROE) | 10.7028% | 2,001 |
| Retained earnings to average equity (ytd only) | 8.1194% | 942 |
| Net charge-offs to loans | -0.0245% | 4,670 |
| Credit loss provision to net charge-offs | 10.5263% | 3,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6925% | 2,221 |
| Assets per employee ($millions) | 6.8699% | 1,094 |
| Cash dividends to net income (ytd only)* | 24.1375% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,819 |
| Loan loss allowance to noncurrent loans | 325.2612% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 2,180 |
| Noncurrent loans to loans | 0.3456% | 3,208 |
| Net loans and leases to total assets | 83.9275% | 326 |
| Net loans and leases to deposits | 101.9872% | 468 |
| Net loans and leases to core deposits | 142.0022% | 167 |
| Total domestic deposits to total assets | 82.2922% | 3,425 |
| Equity capital to assets | 8.8838% | 4,746 |
| Core capital (leverage) ratio | 9.0647% | 4,471 |
| Tier 1 risk-based capital ratio | 10.2842% | 5,076 |
| Total risk-based capital ratio | 11.4100% | 5,043 |
| Memoranda: | ||
| Average total assets | $893,337,000 | 882 |
| Average earning assets | $855,499,000 | 845 |
| Average equity | $76,101,400 | 1,131 |
| Average total loans | $775,447,600 | 732 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 852 |
| Cost of funding earning assets | 1.3287% | 722 |
| Net interest margin | 3.9786% | 2,024 |
| Noninterest income to average assets | 0.2828% | 4,050 |
| Noninterest expense to average assets | 2.9458% | 2,112 |
| Loan and lease loss provision to assets | 0.0284% | 3,340 |
| Net operating income to assets | 0.7931% | 3,695 |
| Return on assets (ROA) | 0.7981% | 3,755 |
| Pretax return on assets | 1.1277% | 3,212 |
| Return on Equity (ROE) | 9.4732% | 2,686 |
| Retained earnings to average equity (ytd only) | 6.8007% | 1,951 |
| Net charge-offs to loans | -0.0227% | 4,615 |
| Credit loss provision to net charge-offs | -143.1818% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9260% | 1,844 |
| Assets per employee ($millions) | 7.0553% | 1,007 |
| Cash dividends to net income (ytd only)* | 28.2114% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,912 |
| Loan loss allowance to noncurrent loans | 130.0675% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 1,744 |
| Noncurrent loans to loans | 0.8636% | 1,857 |
| Net loans and leases to total assets | 86.4363% | 165 |
| Net loans and leases to deposits | 102.3843% | 487 |
| Net loans and leases to core deposits | 139.7933% | 186 |
| Total domestic deposits to total assets | 84.4234% | 2,660 |
| Equity capital to assets | 8.7278% | 4,909 |
| Core capital (leverage) ratio | 9.0168% | 4,623 |
| Tier 1 risk-based capital ratio | 10.0399% | 5,185 |
| Total risk-based capital ratio | 11.1801% | 5,151 |
| Memoranda: | ||
| Average total assets | $888,246,250 | 886 |
| Average earning assets | $851,240,000 | 852 |
| Average equity | $74,834,000 | 1,148 |
| Average total loans | $775,418,750 | 734 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2476% | 903 |
| Cost of funding earning assets | 1.3173% | 700 |
| Net interest margin | 3.9303% | 2,155 |
| Noninterest income to average assets | 0.2862% | 4,031 |
| Noninterest expense to average assets | 3.0037% | 1,995 |
| Loan and lease loss provision to assets | 0.0464% | 2,890 |
| Net operating income to assets | 0.7114% | 3,971 |
| Return on assets (ROA) | 0.7157% | 4,011 |
| Pretax return on assets | 1.0105% | 3,509 |
| Return on Equity (ROE) | 8.6007% | 3,027 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,359 |
| Net charge-offs to loans | -0.0197% | 4,545 |
| Credit loss provision to net charge-offs | -269.7368% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0704% | 1,640 |
| Assets per employee ($millions) | 6.8329% | 1,077 |
| Cash dividends to net income (ytd only)* | 32.2999% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,939 |
| Loan loss allowance to noncurrent loans | 242.7275% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,468 |
| Noncurrent loans to loans | 0.4631% | 2,892 |
| Net loans and leases to total assets | 86.1010% | 206 |
| Net loans and leases to deposits | 101.4062% | 580 |
| Net loans and leases to core deposits | 134.1153% | 254 |
| Total domestic deposits to total assets | 84.9070% | 2,518 |
| Equity capital to assets | 8.2753% | 5,125 |
| Core capital (leverage) ratio | 8.6627% | 4,871 |
| Tier 1 risk-based capital ratio | 9.5316% | 5,271 |
| Total risk-based capital ratio | 10.6696% | 5,266 |
| Memoranda: | ||
| Average total assets | $883,301,670 | 888 |
| Average earning assets | $847,057,000 | 852 |
| Average equity | $73,505,670 | 1,163 |
| Average total loans | $770,739,330 | 741 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 910 |
| Cost of funding earning assets | 1.2979% | 663 |
| Net interest margin | 3.9032% | 2,180 |
| Noninterest income to average assets | 0.2622% | 4,134 |
| Noninterest expense to average assets | 3.0252% | 1,918 |
| Loan and lease loss provision to assets | 0.0165% | 3,221 |
| Net operating income to assets | 0.6861% | 3,984 |
| Return on assets (ROA) | 0.6948% | 3,996 |
| Pretax return on assets | 0.9808% | 3,509 |
| Return on Equity (ROE) | 8.3247% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.5717% | 2,659 |
| Net charge-offs to loans | -0.0073% | 4,121 |
| Credit loss provision to net charge-offs | -257.1429% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4136% | 1,566 |
| Assets per employee ($millions) | 6.4653% | 1,255 |
| Cash dividends to net income (ytd only)* | 33.0698% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,016 |
| Loan loss allowance to noncurrent loans | 141.3748% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,029 |
| Noncurrent loans to loans | 0.7928% | 2,053 |
| Net loans and leases to total assets | 86.2600% | 170 |
| Net loans and leases to deposits | 103.1131% | 440 |
| Net loans and leases to core deposits | 137.9521% | 207 |
| Total domestic deposits to total assets | 83.6558% | 3,168 |
| Equity capital to assets | 8.3535% | 5,063 |
| Core capital (leverage) ratio | 8.6261% | 4,931 |
| Tier 1 risk-based capital ratio | 9.6222% | 5,324 |
| Total risk-based capital ratio | 10.7592% | 5,313 |
| Memoranda: | ||
| Average total assets | $873,981,500 | 898 |
| Average earning assets | $839,513,000 | 860 |
| Average equity | $72,939,500 | 1,169 |
| Average total loans | $763,404,500 | 754 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 776 |
| Cost of funding earning assets | 1.0511% | 606 |
| Net interest margin | 4.0925% | 1,704 |
| Noninterest income to average assets | 0.3045% | 4,073 |
| Noninterest expense to average assets | 2.9845% | 2,084 |
| Loan and lease loss provision to assets | -0.0053% | 5,088 |
| Net operating income to assets | 0.9230% | 3,352 |
| Return on assets (ROA) | 0.9196% | 3,356 |
| Pretax return on assets | 1.2731% | 2,602 |
| Return on Equity (ROE) | 10.8810% | 2,140 |
| Retained earnings to average equity (ytd only) | 1.6452% | 4,485 |
| Net charge-offs to loans | -0.0344% | 4,859 |
| Credit loss provision to net charge-offs | 17.5097% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1151% | 2,160 |
| Assets per employee ($millions) | 6.2495% | 1,358 |
| Cash dividends to net income (ytd only)* | 84.8802% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 2,951 |
| Loan loss allowance to noncurrent loans | 136.7301% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 1,926 |
| Noncurrent loans to loans | 0.8228% | 1,958 |
| Net loans and leases to total assets | 86.4755% | 210 |
| Net loans and leases to deposits | 104.8710% | 431 |
| Net loans and leases to core deposits | 147.1393% | 148 |
| Total domestic deposits to total assets | 82.4589% | 3,501 |
| Equity capital to assets | 8.3377% | 5,026 |
| Core capital (leverage) ratio | 8.5714% | 4,974 |
| Tier 1 risk-based capital ratio | 9.6787% | 5,358 |
| Total risk-based capital ratio | 10.8309% | 5,339 |
| Memoranda: | ||
| Average total assets | $852,941,200 | 892 |
| Average earning assets | $823,669,400 | 854 |
| Average equity | $72,089,200 | 1,131 |
| Average total loans | $746,352,000 | 740 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 745 |
| Cost of funding earning assets | 0.9822% | 637 |
| Net interest margin | 4.1266% | 1,554 |
| Noninterest income to average assets | 0.3007% | 4,136 |
| Noninterest expense to average assets | 2.9544% | 2,154 |
| Loan and lease loss provision to assets | -0.0405% | 5,275 |
| Net operating income to assets | 0.9981% | 3,090 |
| Return on assets (ROA) | 0.9966% | 3,111 |
| Pretax return on assets | 1.3716% | 2,337 |
| Return on Equity (ROE) | 11.7508% | 1,884 |
| Retained earnings to average equity (ytd only) | 0.2963% | 4,987 |
| Net charge-offs to loans | -0.0580% | 4,987 |
| Credit loss provision to net charge-offs | 79.8762% | 2,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9096% | 2,372 |
| Assets per employee ($millions) | 6.1870% | 1,357 |
| Cash dividends to net income (ytd only)* | 97.4787% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,051 |
| Loan loss allowance to noncurrent loans | 146.4690% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,170 |
| Noncurrent loans to loans | 0.7680% | 2,168 |
| Net loans and leases to total assets | 87.1072% | 179 |
| Net loans and leases to deposits | 102.4944% | 618 |
| Net loans and leases to core deposits | 143.7711% | 185 |
| Total domestic deposits to total assets | 84.9873% | 2,611 |
| Equity capital to assets | 8.3627% | 5,001 |
| Core capital (leverage) ratio | 8.2185% | 5,242 |
| Tier 1 risk-based capital ratio | 9.6309% | 5,427 |
| Total risk-based capital ratio | 10.7833% | 5,413 |
| Memoranda: | ||
| Average total assets | $849,006,250 | 895 |
| Average earning assets | $820,214,500 | 854 |
| Average equity | $72,004,500 | 1,132 |
| Average total loans | $743,004,250 | 740 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 943 |
| Cost of funding earning assets | 0.8597% | 875 |
| Net interest margin | 4.0803% | 1,615 |
| Noninterest income to average assets | 0.2919% | 4,228 |
| Noninterest expense to average assets | 2.9437% | 2,214 |
| Loan and lease loss provision to assets | -0.0064% | 5,296 |
| Net operating income to assets | 0.9170% | 3,388 |
| Return on assets (ROA) | 0.9213% | 3,362 |
| Pretax return on assets | 1.3046% | 2,489 |
| Return on Equity (ROE) | 10.8127% | 2,189 |
| Retained earnings to average equity (ytd only) | 8.4998% | 1,408 |
| Net charge-offs to loans | -0.0617% | 4,989 |
| Credit loss provision to net charge-offs | 11.7904% | 2,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4843% | 2,396 |
| Assets per employee ($millions) | 6.4163% | 1,210 |
| Cash dividends to net income (ytd only)* | 21.3902% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,085 |
| Loan loss allowance to noncurrent loans | 150.0879% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 2,254 |
| Noncurrent loans to loans | 0.7535% | 2,235 |
| Net loans and leases to total assets | 86.8064% | 210 |
| Net loans and leases to deposits | 106.0350% | 432 |
| Net loans and leases to core deposits | 149.2883% | 125 |
| Total domestic deposits to total assets | 81.8658% | 3,764 |
| Equity capital to assets | 8.5891% | 4,881 |
| Core capital (leverage) ratio | 8.8743% | 4,817 |
| Tier 1 risk-based capital ratio | 10.0980% | 5,404 |
| Total risk-based capital ratio | 11.2799% | 5,360 |
| Memoranda: | ||
| Average total assets | $849,467,330 | 896 |
| Average earning assets | $821,217,000 | 858 |
| Average equity | $72,378,000 | 1,124 |
| Average total loans | $741,758,670 | 746 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 934 |
| Cost of funding earning assets | 0.7546% | 1,166 |
| Net interest margin | 4.1137% | 1,407 |
| Noninterest income to average assets | 0.2819% | 4,287 |
| Noninterest expense to average assets | 3.0226% | 2,020 |
| Loan and lease loss provision to assets | -0.0682% | 5,484 |
| Net operating income to assets | 0.9195% | 3,205 |
| Return on assets (ROA) | 0.9262% | 3,196 |
| Pretax return on assets | 1.3133% | 2,312 |
| Return on Equity (ROE) | 10.9152% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.0783% | 1,433 |
| Net charge-offs to loans | -0.0990% | 5,200 |
| Credit loss provision to net charge-offs | 79.1209% | 1,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 2,348 |
| Assets per employee ($millions) | 6.8832% | 1,009 |
| Cash dividends to net income (ytd only)* | 16.8286% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,206 |
| Loan loss allowance to noncurrent loans | 134.4412% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 2,147 |
| Noncurrent loans to loans | 0.8407% | 2,133 |
| Net loans and leases to total assets | 85.1234% | 332 |
| Net loans and leases to deposits | 103.0053% | 534 |
| Net loans and leases to core deposits | 152.5705% | 108 |
| Total domestic deposits to total assets | 82.6398% | 3,772 |
| Equity capital to assets | 8.4190% | 5,036 |
| Core capital (leverage) ratio | 8.9634% | 4,717 |
| Tier 1 risk-based capital ratio | 10.1909% | 5,449 |
| Total risk-based capital ratio | 11.3840% | 5,397 |
| Memoranda: | ||
| Average total assets | $844,306,500 | 905 |
| Average earning assets | $816,296,000 | 871 |
| Average equity | $71,643,000 | 1,141 |
| Average total loans | $735,193,500 | 750 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 710 |
| Cost of funding earning assets | 0.6010% | 1,586 |
| Net interest margin | 4.3485% | 863 |
| Noninterest income to average assets | 0.3726% | 3,802 |
| Noninterest expense to average assets | 3.0926% | 1,882 |
| Loan and lease loss provision to assets | 0.0418% | 3,420 |
| Net operating income to assets | 0.6979% | 3,613 |
| Return on assets (ROA) | 0.6979% | 3,663 |
| Pretax return on assets | 1.4454% | 1,833 |
| Return on Equity (ROE) | 7.8337% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.2250% | 3,369 |
| Net charge-offs to loans | -0.0792% | 5,312 |
| Credit loss provision to net charge-offs | -59.8165% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5265% | 2,991 |
| Assets per employee ($millions) | 6.4704% | 1,223 |
| Cash dividends to net income (ytd only)* | 58.8311% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,107 |
| Loan loss allowance to noncurrent loans | 121.7855% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 1,888 |
| Noncurrent loans to loans | 0.9380% | 1,902 |
| Net loans and leases to total assets | 87.0884% | 185 |
| Net loans and leases to deposits | 102.9427% | 549 |
| Net loans and leases to core deposits | 159.9244% | 90 |
| Total domestic deposits to total assets | 84.5990% | 2,993 |
| Equity capital to assets | 8.5545% | 5,081 |
| Core capital (leverage) ratio | 8.8304% | 4,831 |
| Tier 1 risk-based capital ratio | 10.0994% | 5,507 |
| Total risk-based capital ratio | 11.3097% | 5,456 |
| Memoranda: | ||
| Average total assets | $779,569,000 | 955 |
| Average earning assets | $754,229,800 | 912 |
| Average equity | $69,456,400 | 1,145 |
| Average total loans | $688,500,000 | 757 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 714 |
| Cost of funding earning assets | 0.5672% | 1,760 |
| Net interest margin | 4.3598% | 804 |
| Noninterest income to average assets | 0.3829% | 3,795 |
| Noninterest expense to average assets | 3.1230% | 1,744 |
| Loan and lease loss provision to assets | 0.0676% | 2,718 |
| Net operating income to assets | 0.8357% | 3,355 |
| Return on assets (ROA) | 0.8357% | 3,396 |
| Pretax return on assets | 1.4125% | 2,083 |
| Return on Equity (ROE) | 9.2799% | 2,457 |
| Retained earnings to average equity (ytd only) | 3.7351% | 3,703 |
| Net charge-offs to loans | -0.0835% | 5,329 |
| Credit loss provision to net charge-offs | -91.5294% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8455% | 2,899 |
| Assets per employee ($millions) | 6.5623% | 1,147 |
| Cash dividends to net income (ytd only)* | 59.7505% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 3,206 |
| Loan loss allowance to noncurrent loans | 225.3744% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 3,259 |
| Noncurrent loans to loans | 0.5096% | 3,177 |
| Net loans and leases to total assets | 86.1604% | 251 |
| Net loans and leases to deposits | 102.0649% | 610 |
| Net loans and leases to core deposits | 150.2581% | 122 |
| Total domestic deposits to total assets | 84.4172% | 2,953 |
| Equity capital to assets | 8.5373% | 5,263 |
| Core capital (leverage) ratio | 8.8996% | 4,866 |
| Tier 1 risk-based capital ratio | 10.2576% | 5,525 |
| Total risk-based capital ratio | 11.4836% | 5,480 |
| Memoranda: | ||
| Average total assets | $767,408,750 | 969 |
| Average earning assets | $742,824,000 | 931 |
| Average equity | $69,108,250 | 1,162 |
| Average total loans | $678,222,500 | 772 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 679 |
| Cost of funding earning assets | 0.5241% | 1,970 |
| Net interest margin | 4.3854% | 724 |
| Noninterest income to average assets | 0.3836% | 3,803 |
| Noninterest expense to average assets | 3.1648% | 1,669 |
| Loan and lease loss provision to assets | 0.0706% | 2,561 |
| Net operating income to assets | 0.8253% | 3,268 |
| Return on assets (ROA) | 0.8253% | 3,325 |
| Pretax return on assets | 1.3943% | 2,047 |
| Return on Equity (ROE) | 8.9923% | 2,512 |
| Retained earnings to average equity (ytd only) | 1.6352% | 4,603 |
| Net charge-offs to loans | -0.0801% | 5,344 |
| Credit loss provision to net charge-offs | -99.2481% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3578% | 2,944 |
| Assets per employee ($millions) | 6.5381% | 1,133 |
| Cash dividends to net income (ytd only)* | 81.8152% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,294 |
| Loan loss allowance to noncurrent loans | 205.7128% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,106 |
| Noncurrent loans to loans | 0.5609% | 3,054 |
| Net loans and leases to total assets | 87.2880% | 184 |
| Net loans and leases to deposits | 102.0961% | 606 |
| Net loans and leases to core deposits | 148.4250% | 133 |
| Total domestic deposits to total assets | 85.4959% | 2,619 |
| Equity capital to assets | 8.8242% | 5,049 |
| Core capital (leverage) ratio | 9.2308% | 4,458 |
| Tier 1 risk-based capital ratio | 10.3925% | 5,510 |
| Total risk-based capital ratio | 11.6163% | 5,445 |
| Memoranda: | ||
| Average total assets | $747,595,000 | 996 |
| Average earning assets | $723,849,000 | 958 |
| Average equity | $68,614,000 | 1,171 |
| Average total loans | $664,065,000 | 790 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 584 |
| Cost of funding earning assets | 0.5062% | 2,038 |
| Net interest margin | 4.4271% | 611 |
| Noninterest income to average assets | 0.3500% | 4,038 |
| Noninterest expense to average assets | 3.1946% | 1,624 |
| Loan and lease loss provision to assets | 0.0790% | 2,232 |
| Net operating income to assets | 0.8059% | 3,194 |
| Return on assets (ROA) | 0.8059% | 3,256 |
| Pretax return on assets | 1.3611% | 2,027 |
| Return on Equity (ROE) | 8.6026% | 2,614 |
| Retained earnings to average equity (ytd only) | -3.1096% | 5,268 |
| Net charge-offs to loans | -0.1090% | 5,476 |
| Credit loss provision to net charge-offs | -81.3559% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9276% | 3,058 |
| Assets per employee ($millions) | 5.9837% | 1,520 |
| Cash dividends to net income (ytd only)* | 136.1470% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,339 |
| Loan loss allowance to noncurrent loans | 185.5781% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 2,989 |
| Noncurrent loans to loans | 0.6275% | 2,944 |
| Net loans and leases to total assets | 88.3415% | 97 |
| Net loans and leases to deposits | 103.1767% | 439 |
| Net loans and leases to core deposits | 145.6251% | 128 |
| Total domestic deposits to total assets | 85.6216% | 2,830 |
| Equity capital to assets | 9.0986% | 4,715 |
| Core capital (leverage) ratio | 9.4090% | 4,226 |
| Tier 1 risk-based capital ratio | 10.3839% | 5,595 |
| Total risk-based capital ratio | 11.5959% | 5,538 |
| Memoranda: | ||
| Average total assets | $729,107,000 | 1,016 |
| Average earning assets | $705,650,000 | 978 |
| Average equity | $68,305,000 | 1,170 |
| Average total loans | $649,682,500 | 811 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1138% | 489 |
| Cost of funding earning assets | 0.4579% | 2,464 |
| Net interest margin | 4.6558% | 452 |
| Noninterest income to average assets | 0.3431% | 4,281 |
| Noninterest expense to average assets | 3.3802% | 1,403 |
| Loan and lease loss provision to assets | -0.0074% | 5,481 |
| Net operating income to assets | 0.8698% | 2,978 |
| Return on assets (ROA) | 0.8698% | 3,092 |
| Pretax return on assets | 1.4693% | 1,685 |
| Return on Equity (ROE) | 8.5277% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.0240% | 1,218 |
| Net charge-offs to loans | -0.1029% | 5,603 |
| Credit loss provision to net charge-offs | 8.0537% | 3,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8080% | 2,936 |
| Assets per employee ($millions) | 5.9188% | 1,536 |
| Cash dividends to net income (ytd only)* | 17.6336% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,221 |
| Loan loss allowance to noncurrent loans | 239.4610% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 3,511 |
| Noncurrent loans to loans | 0.4941% | 3,387 |
| Net loans and leases to total assets | 87.7653% | 135 |
| Net loans and leases to deposits | 101.7206% | 552 |
| Net loans and leases to core deposits | 140.5070% | 171 |
| Total domestic deposits to total assets | 86.2808% | 2,468 |
| Equity capital to assets | 9.6523% | 4,115 |
| Core capital (leverage) ratio | 10.0801% | 3,390 |
| Tier 1 risk-based capital ratio | 11.0443% | 5,321 |
| Total risk-based capital ratio | 12.2727% | 5,224 |
| Memoranda: | ||
| Average total assets | $651,952,000 | 1,092 |
| Average earning assets | $629,982,000 | 1,034 |
| Average equity | $66,501,000 | 1,179 |
| Average total loans | $579,003,600 | 857 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 479 |
| Cost of funding earning assets | 0.4575% | 2,483 |
| Net interest margin | 4.6597% | 459 |
| Noninterest income to average assets | 0.3556% | 4,244 |
| Noninterest expense to average assets | 3.4039% | 1,332 |
| Loan and lease loss provision to assets | -0.0343% | 5,697 |
| Net operating income to assets | 0.8807% | 3,009 |
| Return on assets (ROA) | 0.8807% | 3,128 |
| Pretax return on assets | 1.4879% | 1,744 |
| Return on Equity (ROE) | 8.5065% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.5065% | 980 |
| Net charge-offs to loans | -0.1032% | 5,581 |
| Credit loss provision to net charge-offs | 37.4429% | 3,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0745% | 2,875 |
| Assets per employee ($millions) | 5.3996% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 3,275 |
| Loan loss allowance to noncurrent loans | 178.6779% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 3,088 |
| Noncurrent loans to loans | 0.6685% | 3,023 |
| Net loans and leases to total assets | 89.5455% | 79 |
| Net loans and leases to deposits | 100.4827% | 678 |
| Net loans and leases to core deposits | 135.5868% | 239 |
| Total domestic deposits to total assets | 89.1153% | 844 |
| Equity capital to assets | 10.2554% | 3,851 |
| Core capital (leverage) ratio | 10.4769% | 3,022 |
| Tier 1 risk-based capital ratio | 11.8319% | 4,900 |
| Total risk-based capital ratio | 13.0831% | 4,795 |
| Memoranda: | ||
| Average total assets | $637,377,000 | 1,109 |
| Average earning assets | $615,785,250 | 1,056 |
| Average equity | $65,987,250 | 1,193 |
| Average total loans | $566,049,750 | 874 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 619 |
| Cost of funding earning assets | 0.4514% | 2,550 |
| Net interest margin | 4.5266% | 579 |
| Noninterest income to average assets | 0.3653% | 4,145 |
| Noninterest expense to average assets | 3.3683% | 1,437 |
| Loan and lease loss provision to assets | -0.0592% | 5,836 |
| Net operating income to assets | 0.8475% | 3,108 |
| Return on assets (ROA) | 0.8475% | 3,236 |
| Pretax return on assets | 1.4311% | 1,900 |
| Return on Equity (ROE) | 8.1588% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.1588% | 1,126 |
| Net charge-offs to loans | -0.1076% | 5,649 |
| Credit loss provision to net charge-offs | 62.4161% | 2,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0574% | 2,811 |
| Assets per employee ($millions) | 5.4403% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 3,196 |
| Loan loss allowance to noncurrent loans | 121.6970% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 2,356 |
| Noncurrent loans to loans | 1.0099% | 2,267 |
| Net loans and leases to total assets | 87.9853% | 137 |
| Net loans and leases to deposits | 99.6243% | 723 |
| Net loans and leases to core deposits | 121.2278% | 484 |
| Total domestic deposits to total assets | 88.3171% | 1,266 |
| Equity capital to assets | 10.3761% | 3,765 |
| Core capital (leverage) ratio | 10.5289% | 2,939 |
| Tier 1 risk-based capital ratio | 12.2771% | 4,661 |
| Total risk-based capital ratio | 13.5282% | 4,580 |
| Memoranda: | ||
| Average total assets | $628,454,330 | 1,132 |
| Average earning assets | $607,382,330 | 1,073 |
| Average equity | $65,279,330 | 1,207 |
| Average total loans | $554,099,000 | 891 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 634 |
| Cost of funding earning assets | 0.4393% | 2,689 |
| Net interest margin | 4.5151% | 588 |
| Noninterest income to average assets | 0.3738% | 4,045 |
| Noninterest expense to average assets | 3.3547% | 1,478 |
| Loan and lease loss provision to assets | -0.1589% | 6,011 |
| Net operating income to assets | 0.9130% | 2,683 |
| Return on assets (ROA) | 0.9130% | 2,803 |
| Pretax return on assets | 1.5429% | 1,461 |
| Return on Equity (ROE) | 8.7845% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.7845% | 1,177 |
| Net charge-offs to loans | -0.1100% | 5,676 |
| Credit loss provision to net charge-offs | 164.6667% | 1,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7943% | 2,988 |
| Assets per employee ($millions) | 5.2309% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 3,219 |
| Loan loss allowance to noncurrent loans | 101.6093% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 2,051 |
| Noncurrent loans to loans | 1.2269% | 1,968 |
| Net loans and leases to total assets | 86.7764% | 175 |
| Net loans and leases to deposits | 98.5066% | 719 |
| Net loans and leases to core deposits | 130.3593% | 266 |
| Total domestic deposits to total assets | 88.0919% | 1,595 |
| Equity capital to assets | 10.5035% | 3,490 |
| Core capital (leverage) ratio | 10.5452% | 2,911 |
| Tier 1 risk-based capital ratio | 12.5940% | 4,523 |
| Total risk-based capital ratio | 13.8456% | 4,433 |
| Memoranda: | ||
| Average total assets | $621,704,000 | 1,133 |
| Average earning assets | $601,008,000 | 1,078 |
| Average equity | $64,614,000 | 1,209 |
| Average total loans | $545,221,500 | 899 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 349 |
| Cost of funding earning assets | 0.4372% | 2,762 |
| Net interest margin | 4.9016% | 299 |
| Noninterest income to average assets | 0.3855% | 4,154 |
| Noninterest expense to average assets | 4.5384% | 402 |
| Loan and lease loss provision to assets | -0.3870% | 6,101 |
| Net operating income to assets | 0.5676% | 4,430 |
| Return on assets (ROA) | 0.5676% | 4,523 |
| Pretax return on assets | 0.9565% | 3,621 |
| Return on Equity (ROE) | 5.1509% | 4,436 |
| Retained earnings to average equity (ytd only) | -2.7739% | 5,805 |
| Net charge-offs to loans | -0.2541% | 5,993 |
| Credit loss provision to net charge-offs | 173.1912% | 1,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8511% | 769 |
| Assets per employee ($millions) | 5.8031% | 1,533 |
| Cash dividends to net income (ytd only)* | 153.8531% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 3,053 |
| Loan loss allowance to noncurrent loans | 99.4393% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 1,956 |
| Noncurrent loans to loans | 1.2798% | 1,838 |
| Net loans and leases to total assets | 86.4098% | 198 |
| Net loans and leases to deposits | 97.9635% | 817 |
| Net loans and leases to core deposits | 123.2518% | 399 |
| Total domestic deposits to total assets | 88.2061% | 1,533 |
| Equity capital to assets | 10.2823% | 3,643 |
| Core capital (leverage) ratio | 10.3833% | 3,069 |
| Tier 1 risk-based capital ratio | 12.4497% | 4,667 |
| Total risk-based capital ratio | 13.7010% | 4,554 |
| Memoranda: | ||
| Average total assets | $587,562,400 | 1,164 |
| Average earning assets | $566,082,600 | 1,105 |
| Average equity | $64,746,000 | 1,170 |
| Average total loans | $516,757,200 | 907 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 382 |
| Cost of funding earning assets | 0.4416% | 2,780 |
| Net interest margin | 4.8389% | 346 |
| Noninterest income to average assets | 0.4077% | 4,028 |
| Noninterest expense to average assets | 5.0029% | 284 |
| Loan and lease loss provision to assets | -0.4597% | 6,202 |
| Net operating income to assets | 0.3124% | 5,418 |
| Return on assets (ROA) | 0.3124% | 5,503 |
| Pretax return on assets | 0.5232% | 5,164 |
| Return on Equity (ROE) | 2.7848% | 5,458 |
| Retained earnings to average equity (ytd only) | -2.1096% | 5,866 |
| Net charge-offs to loans | -0.2959% | 6,080 |
| Credit loss provision to net charge-offs | 176.4134% | 1,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7460% | 328 |
| Assets per employee ($millions) | 5.3640% | 1,891 |
| Cash dividends to net income (ytd only)* | 175.7551% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 3,006 |
| Loan loss allowance to noncurrent loans | 94.9492% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 1,910 |
| Noncurrent loans to loans | 1.3856% | 1,846 |
| Net loans and leases to total assets | 87.5528% | 161 |
| Net loans and leases to deposits | 99.6431% | 685 |
| Net loans and leases to core deposits | 115.4881% | 614 |
| Total domestic deposits to total assets | 87.8665% | 1,631 |
| Equity capital to assets | 10.7616% | 3,289 |
| Core capital (leverage) ratio | 10.7306% | 2,786 |
| Tier 1 risk-based capital ratio | 13.0069% | 4,425 |
| Total risk-based capital ratio | 14.2590% | 4,349 |
| Memoranda: | ||
| Average total assets | $579,220,000 | 1,182 |
| Average earning assets | $557,662,500 | 1,129 |
| Average equity | $64,971,000 | 1,172 |
| Average total loans | $510,081,000 | 915 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 337 |
| Cost of funding earning assets | 0.4541% | 2,676 |
| Net interest margin | 4.8905% | 305 |
| Noninterest income to average assets | 0.4203% | 3,916 |
| Noninterest expense to average assets | 5.8730% | 187 |
| Loan and lease loss provision to assets | -0.5426% | 6,281 |
| Net operating income to assets | -0.1154% | 6,057 |
| Return on assets (ROA) | -0.1154% | 6,085 |
| Pretax return on assets | -0.2035% | 6,109 |
| Return on Equity (ROE) | -1.0142% | 6,083 |
| Retained earnings to average equity (ytd only) | -7.2037% | 6,098 |
| Net charge-offs to loans | -0.3654% | 6,157 |
| Credit loss provision to net charge-offs | 169.0632% | 1,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5526% | 133 |
| Assets per employee ($millions) | 5.3366% | 1,894 |
| Cash dividends to net income (ytd only)* | -610.3030% | 6,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 2,781 |
| Loan loss allowance to noncurrent loans | 66.3036% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.8911% | 1,200 |
| Noncurrent loans to loans | 2.1043% | 1,146 |
| Net loans and leases to total assets | 87.1978% | 183 |
| Net loans and leases to deposits | 102.0145% | 550 |
| Net loans and leases to core deposits | 115.9610% | 594 |
| Total domestic deposits to total assets | 85.4759% | 2,933 |
| Equity capital to assets | 10.7738% | 3,138 |
| Core capital (leverage) ratio | 11.0603% | 2,366 |
| Tier 1 risk-based capital ratio | 13.1531% | 4,425 |
| Total risk-based capital ratio | 14.4062% | 4,342 |
| Memoranda: | ||
| Average total assets | $572,038,670 | 1,199 |
| Average earning assets | $550,541,330 | 1,149 |
| Average equity | $65,077,330 | 1,179 |
| Average total loans | $502,442,000 | 932 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 426 |
| Cost of funding earning assets | 0.4907% | 2,374 |
| Net interest margin | 4.6790% | 426 |
| Noninterest income to average assets | 0.3132% | 4,691 |
| Noninterest expense to average assets | 3.2954% | 1,726 |
| Loan and lease loss provision to assets | -0.6859% | 6,370 |
| Net operating income to assets | 1.3009% | 1,270 |
| Return on assets (ROA) | 1.3009% | 1,359 |
| Pretax return on assets | 2.2035% | 383 |
| Return on Equity (ROE) | 11.1284% | 1,599 |
| Retained earnings to average equity (ytd only) | 3.1458% | 4,096 |
| Net charge-offs to loans | -0.2963% | 6,139 |
| Credit loss provision to net charge-offs | 264.4809% | 893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4675% | 3,745 |
| Assets per employee ($millions) | 5.0628% | 2,274 |
| Cash dividends to net income (ytd only)* | 71.7320% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 2,555 |
| Loan loss allowance to noncurrent loans | 45.3328% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 2.8331% | 695 |
| Noncurrent loans to loans | 3.2547% | 631 |
| Net loans and leases to total assets | 84.9163% | 254 |
| Net loans and leases to deposits | 97.7705% | 696 |
| Net loans and leases to core deposits | 107.1774% | 863 |
| Total domestic deposits to total assets | 86.8527% | 2,453 |
| Equity capital to assets | 11.5796% | 2,394 |
| Core capital (leverage) ratio | 11.7195% | 1,841 |
| Tier 1 risk-based capital ratio | 14.5139% | 3,712 |
| Total risk-based capital ratio | 15.7683% | 3,638 |
| Memoranda: | ||
| Average total assets | $564,545,000 | 1,221 |
| Average earning assets | $542,939,500 | 1,171 |
| Average equity | $65,993,500 | 1,165 |
| Average total loans | $494,104,500 | 952 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 447 |
| Cost of funding earning assets | 0.6156% | 1,634 |
| Net interest margin | 4.6841% | 535 |
| Noninterest income to average assets | 0.4742% | 3,681 |
| Noninterest expense to average assets | 3.5882% | 1,331 |
| Loan and lease loss provision to assets | -0.9251% | 6,485 |
| Net operating income to assets | 1.3415% | 1,204 |
| Return on assets (ROA) | 1.3415% | 1,254 |
| Pretax return on assets | 2.2704% | 283 |
| Return on Equity (ROE) | 11.3594% | 1,607 |
| Retained earnings to average equity (ytd only) | -2.6514% | 6,065 |
| Net charge-offs to loans | -0.1642% | 6,223 |
| Credit loss provision to net charge-offs | 638.6816% | 416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7313% | 3,081 |
| Assets per employee ($millions) | 4.8017% | 2,587 |
| Cash dividends to net income (ytd only)* | 123.3414% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 2,125 |
| Loan loss allowance to noncurrent loans | 44.0474% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.2106% | 600 |
| Noncurrent loans to loans | 3.6118% | 553 |
| Net loans and leases to total assets | 87.4793% | 136 |
| Net loans and leases to deposits | 101.9136% | 517 |
| Net loans and leases to core deposits | 107.3001% | 940 |
| Total domestic deposits to total assets | 85.8367% | 2,924 |
| Equity capital to assets | 11.8028% | 2,167 |
| Core capital (leverage) ratio | 11.6373% | 1,879 |
| Tier 1 risk-based capital ratio | 14.6553% | 3,694 |
| Total risk-based capital ratio | 15.9117% | 3,616 |
| Memoranda: | ||
| Average total assets | $555,047,200 | 1,203 |
| Average earning assets | $528,405,000 | 1,150 |
| Average equity | $65,549,400 | 1,125 |
| Average total loans | $489,532,000 | 912 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 418 |
| Cost of funding earning assets | 0.6430% | 1,504 |
| Net interest margin | 4.6984% | 504 |
| Noninterest income to average assets | 0.4280% | 4,036 |
| Noninterest expense to average assets | 3.6246% | 1,252 |
| Loan and lease loss provision to assets | -0.8559% | 6,563 |
| Net operating income to assets | 1.2538% | 1,515 |
| Return on assets (ROA) | 1.2538% | 1,571 |
| Pretax return on assets | 2.1215% | 434 |
| Return on Equity (ROE) | 10.6153% | 1,941 |
| Retained earnings to average equity (ytd only) | -5.8420% | 6,281 |
| Net charge-offs to loans | -0.1606% | 6,259 |
| Credit loss provision to net charge-offs | 605.4422% | 491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1200% | 2,803 |
| Assets per employee ($millions) | 5.0162% | 2,220 |
| Cash dividends to net income (ytd only)* | 155.0335% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 1,575 |
| Loan loss allowance to noncurrent loans | 52.8557% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 3.1131% | 739 |
| Noncurrent loans to loans | 3.4999% | 685 |
| Net loans and leases to total assets | 85.6941% | 210 |
| Net loans and leases to deposits | 100.8717% | 568 |
| Net loans and leases to core deposits | 105.0983% | 1,016 |
| Total domestic deposits to total assets | 84.9535% | 3,356 |
| Equity capital to assets | 11.2778% | 2,679 |
| Core capital (leverage) ratio | 11.2913% | 2,221 |
| Tier 1 risk-based capital ratio | 14.1933% | 4,085 |
| Total risk-based capital ratio | 15.4530% | 4,012 |
| Memoranda: | ||
| Average total assets | $554,560,000 | 1,210 |
| Average earning assets | $526,695,000 | 1,160 |
| Average equity | $65,501,500 | 1,129 |
| Average total loans | $488,131,750 | 919 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 342 |
| Cost of funding earning assets | 0.6563% | 1,461 |
| Net interest margin | 4.7911% | 420 |
| Noninterest income to average assets | 0.4606% | 3,785 |
| Noninterest expense to average assets | 3.7322% | 1,078 |
| Loan and lease loss provision to assets | -0.8681% | 6,629 |
| Net operating income to assets | 1.2595% | 1,419 |
| Return on assets (ROA) | 1.2595% | 1,483 |
| Pretax return on assets | 2.1297% | 423 |
| Return on Equity (ROE) | 10.4985% | 1,940 |
| Retained earnings to average equity (ytd only) | -13.0289% | 6,469 |
| Net charge-offs to loans | -0.2766% | 6,412 |
| Credit loss provision to net charge-offs | 355.5224% | 755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7355% | 2,850 |
| Assets per employee ($millions) | 4.6455% | 2,703 |
| Cash dividends to net income (ytd only)* | 224.1030% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 1,138 |
| Loan loss allowance to noncurrent loans | 46.0371% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 4.1486% | 491 |
| Noncurrent loans to loans | 4.6100% | 465 |
| Net loans and leases to total assets | 86.8333% | 138 |
| Net loans and leases to deposits | 102.2645% | 434 |
| Net loans and leases to core deposits | 106.1996% | 884 |
| Total domestic deposits to total assets | 84.9105% | 3,558 |
| Equity capital to assets | 11.3082% | 2,600 |
| Core capital (leverage) ratio | 11.1321% | 2,305 |
| Tier 1 risk-based capital ratio | 14.0315% | 4,246 |
| Total risk-based capital ratio | 15.2950% | 4,164 |
| Memoranda: | ||
| Average total assets | $548,797,000 | 1,221 |
| Average earning assets | $519,252,330 | 1,172 |
| Average equity | $65,838,000 | 1,112 |
| Average total loans | $484,416,670 | 922 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 336 |
| Cost of funding earning assets | 0.6630% | 1,492 |
| Net interest margin | 4.7539% | 417 |
| Noninterest income to average assets | 0.3291% | 4,738 |
| Noninterest expense to average assets | 3.7137% | 1,111 |
| Loan and lease loss provision to assets | -1.0072% | 6,708 |
| Net operating income to assets | 1.2489% | 1,350 |
| Return on assets (ROA) | 1.2489% | 1,409 |
| Pretax return on assets | 2.1107% | 422 |
| Return on Equity (ROE) | 10.1134% | 1,989 |
| Retained earnings to average equity (ytd only) | 0.1904% | 5,489 |
| Net charge-offs to loans | -0.4331% | 6,534 |
| Credit loss provision to net charge-offs | 264.1618% | 875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0932% | 2,632 |
| Assets per employee ($millions) | 4.4722% | 3,019 |
| Cash dividends to net income (ytd only)* | 98.1176% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3440% | 975 |
| Loan loss allowance to noncurrent loans | 52.2019% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 4.5588% | 477 |
| Noncurrent loans to loans | 4.4902% | 534 |
| Net loans and leases to total assets | 86.0103% | 142 |
| Net loans and leases to deposits | 105.2341% | 254 |
| Net loans and leases to core deposits | 108.1315% | 668 |
| Total domestic deposits to total assets | 81.7324% | 5,019 |
| Equity capital to assets | 12.2348% | 1,729 |
| Core capital (leverage) ratio | 12.3615% | 1,446 |
| Tier 1 risk-based capital ratio | 15.2507% | 3,580 |
| Total risk-based capital ratio | 16.5170% | 3,521 |
| Memoranda: | ||
| Average total assets | $544,465,000 | 1,243 |
| Average earning assets | $514,023,500 | 1,196 |
| Average equity | $67,237,500 | 1,089 |
| Average total loans | $479,346,000 | 934 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6704% | 278 |
| Cost of funding earning assets | 0.7712% | 1,367 |
| Net interest margin | 4.8993% | 363 |
| Noninterest income to average assets | 0.3013% | 5,191 |
| Noninterest expense to average assets | 4.0413% | 836 |
| Loan and lease loss provision to assets | -0.3652% | 6,706 |
| Net operating income to assets | 1.7972% | 486 |
| Return on assets (ROA) | 1.7972% | 500 |
| Pretax return on assets | 1.2690% | 2,273 |
| Return on Equity (ROE) | 15.4531% | 691 |
| Retained earnings to average equity (ytd only) | 15.4531% | 158 |
| Net charge-offs to loans | 0.0676% | 4,266 |
| Credit loss provision to net charge-offs | -623.0769% | 6,169 |
| Earnings coverage of net charge-offs (x) | 15.4199% | 1,869 |
| Efficiency ratio | 81.7239% | 1,916 |
| Assets per employee ($millions) | 4.4168% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5744% | 748 |
| Loan loss allowance to noncurrent loans | 52.3297% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 4.9789% | 474 |
| Noncurrent loans to loans | 4.9195% | 523 |
| Net loans and leases to total assets | 85.7386% | 167 |
| Net loans and leases to deposits | 105.1773% | 290 |
| Net loans and leases to core deposits | 107.1373% | 731 |
| Total domestic deposits to total assets | 81.5182% | 5,032 |
| Equity capital to assets | 12.4661% | 1,525 |
| Core capital (leverage) ratio | 12.6794% | 1,266 |
| Tier 1 risk-based capital ratio | 15.5708% | 3,329 |
| Total risk-based capital ratio | 16.8405% | 3,268 |
| Memoranda: | ||
| Average total assets | $532,322,800 | 1,247 |
| Average earning assets | $504,566,000 | 1,207 |
| Average equity | $61,910,000 | 1,167 |
| Average total loans | $461,227,600 | 919 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 256 |
| Cost of funding earning assets | 0.7894% | 1,385 |
| Net interest margin | 4.9556% | 344 |
| Noninterest income to average assets | 0.3110% | 5,211 |
| Noninterest expense to average assets | 4.1384% | 732 |
| Loan and lease loss provision to assets | -0.7143% | 6,857 |
| Net operating income to assets | 1.5901% | 765 |
| Return on assets (ROA) | 1.5901% | 810 |
| Pretax return on assets | 1.5901% | 1,358 |
| Return on Equity (ROE) | 13.9262% | 1,011 |
| Retained earnings to average equity (ytd only) | 13.9262% | 256 |
| Net charge-offs to loans | -0.0096% | 5,882 |
| Credit loss provision to net charge-offs | 8,615.1515% | 31 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5333% | 1,754 |
| Assets per employee ($millions) | 4.4352% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5835% | 848 |
| Loan loss allowance to noncurrent loans | 55.1590% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 4.6559% | 629 |
| Noncurrent loans to loans | 4.6837% | 673 |
| Net loans and leases to total assets | 82.5678% | 326 |
| Net loans and leases to deposits | 101.9227% | 384 |
| Net loans and leases to core deposits | 104.3230% | 864 |
| Total domestic deposits to total assets | 81.0102% | 5,210 |
| Equity capital to assets | 12.0228% | 1,902 |
| Core capital (leverage) ratio | 12.0561% | 1,639 |
| Tier 1 risk-based capital ratio | 15.8355% | 3,283 |
| Total risk-based capital ratio | 17.1058% | 3,220 |
| Memoranda: | ||
| Average total assets | $530,690,250 | 1,266 |
| Average earning assets | $503,659,000 | 1,221 |
| Average equity | $60,594,000 | 1,196 |
| Average total loans | $457,981,250 | 930 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7418% | 258 |
| Cost of funding earning assets | 0.8004% | 1,412 |
| Net interest margin | 4.9414% | 341 |
| Noninterest income to average assets | 0.3535% | 4,859 |
| Noninterest expense to average assets | 4.1767% | 715 |
| Loan and lease loss provision to assets | -0.4829% | 6,871 |
| Net operating income to assets | 1.3452% | 1,212 |
| Return on assets (ROA) | 1.3452% | 1,305 |
| Pretax return on assets | 1.3452% | 2,142 |
| Return on Equity (ROE) | 11.9941% | 1,492 |
| Retained earnings to average equity (ytd only) | 11.9941% | 490 |
| Net charge-offs to loans | 0.3163% | 1,922 |
| Credit loss provision to net charge-offs | -175.8242% | 5,709 |
| Earnings coverage of net charge-offs (x) | 3.1401% | 3,481 |
| Efficiency ratio | 82.8867% | 1,771 |
| Assets per employee ($millions) | 4.1624% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 791 |
| Loan loss allowance to noncurrent loans | 44.0718% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 6.0096% | 451 |
| Noncurrent loans to loans | 6.1334% | 443 |
| Net loans and leases to total assets | 84.1521% | 228 |
| Net loans and leases to deposits | 103.0875% | 295 |
| Net loans and leases to core deposits | 105.5729% | 757 |
| Total domestic deposits to total assets | 81.6318% | 5,167 |
| Equity capital to assets | 11.5140% | 2,278 |
| Core capital (leverage) ratio | 11.6469% | 1,832 |
| Tier 1 risk-based capital ratio | 14.8317% | 3,886 |
| Total risk-based capital ratio | 16.1035% | 3,837 |
| Memoranda: | ||
| Average total assets | $530,179,330 | 1,263 |
| Average earning assets | $502,731,330 | 1,222 |
| Average equity | $59,462,670 | 1,220 |
| Average total loans | $460,275,330 | 922 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 269 |
| Cost of funding earning assets | 0.8023% | 1,514 |
| Net interest margin | 4.9090% | 333 |
| Noninterest income to average assets | 0.3192% | 5,139 |
| Noninterest expense to average assets | 4.1802% | 732 |
| Loan and lease loss provision to assets | -0.1482% | 6,870 |
| Net operating income to assets | 0.9333% | 2,504 |
| Return on assets (ROA) | 0.9333% | 2,647 |
| Pretax return on assets | 0.9333% | 3,643 |
| Return on Equity (ROE) | 8.4345% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.4345% | 1,590 |
| Net charge-offs to loans | 0.2765% | 1,852 |
| Credit loss provision to net charge-offs | -61.6352% | 5,085 |
| Earnings coverage of net charge-offs (x) | 3.2642% | 2,806 |
| Efficiency ratio | 84.1889% | 1,740 |
| Assets per employee ($millions) | 4.1366% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0568% | 621 |
| Loan loss allowance to noncurrent loans | 57.6637% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 5.2323% | 677 |
| Noncurrent loans to loans | 5.3011% | 706 |
| Net loans and leases to total assets | 83.5550% | 208 |
| Net loans and leases to deposits | 101.9129% | 284 |
| Net loans and leases to core deposits | 104.7688% | 690 |
| Total domestic deposits to total assets | 81.9866% | 5,193 |
| Equity capital to assets | 11.1670% | 2,781 |
| Core capital (leverage) ratio | 11.3367% | 1,990 |
| Tier 1 risk-based capital ratio | 14.3528% | 4,266 |
| Total risk-based capital ratio | 15.6294% | 4,219 |
| Memoranda: | ||
| Average total assets | $528,876,500 | 1,280 |
| Average earning assets | $500,545,500 | 1,238 |
| Average equity | $58,521,500 | 1,249 |
| Average total loans | $460,010,000 | 920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 311 |
| Cost of funding earning assets | 0.9638% | 1,562 |
| Net interest margin | 4.9376% | 420 |
| Noninterest income to average assets | 0.3885% | 4,697 |
| Noninterest expense to average assets | 3.5785% | 1,662 |
| Loan and lease loss provision to assets | 0.7375% | 690 |
| Net operating income to assets | 0.6972% | 3,752 |
| Return on assets (ROA) | 0.7180% | 3,911 |
| Pretax return on assets | 0.7180% | 4,605 |
| Return on Equity (ROE) | 7.6028% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.6028% | 1,278 |
| Net charge-offs to loans | 1.0201% | 1,058 |
| Credit loss provision to net charge-offs | 84.1557% | 3,691 |
| Earnings coverage of net charge-offs (x) | 1.6371% | 4,626 |
| Efficiency ratio | 71.3824% | 3,540 |
| Assets per employee ($millions) | 4.2603% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1195% | 593 |
| Loan loss allowance to noncurrent loans | 48.7759% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 5.8065% | 611 |
| Noncurrent loans to loans | 6.3956% | 531 |
| Net loans and leases to total assets | 85.0316% | 172 |
| Net loans and leases to deposits | 103.4370% | 284 |
| Net loans and leases to core deposits | 106.7270% | 660 |
| Total domestic deposits to total assets | 82.2062% | 5,030 |
| Equity capital to assets | 10.9633% | 2,997 |
| Core capital (leverage) ratio | 10.6857% | 2,560 |
| Tier 1 risk-based capital ratio | 13.9904% | 4,393 |
| Total risk-based capital ratio | 15.2684% | 4,333 |
| Memoranda: | ||
| Average total assets | $580,493,400 | 1,141 |
| Average earning assets | $543,707,800 | 1,111 |
| Average equity | $54,821,600 | 1,306 |
| Average total loans | $498,696,200 | 828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8729% | 350 |
| Cost of funding earning assets | 0.9969% | 1,577 |
| Net interest margin | 4.8759% | 496 |
| Noninterest income to average assets | 0.4016% | 4,628 |
| Noninterest expense to average assets | 3.4780% | 1,811 |
| Loan and lease loss provision to assets | 1.1627% | 320 |
| Net operating income to assets | 0.3172% | 5,556 |
| Return on assets (ROA) | 0.3444% | 5,660 |
| Pretax return on assets | 0.3444% | 5,863 |
| Return on Equity (ROE) | 3.7817% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.7817% | 4,230 |
| Net charge-offs to loans | 1.4164% | 632 |
| Credit loss provision to net charge-offs | 96.0119% | 3,105 |
| Earnings coverage of net charge-offs (x) | 1.2220% | 4,682 |
| Efficiency ratio | 70.1509% | 3,661 |
| Assets per employee ($millions) | 4.5851% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1695% | 618 |
| Loan loss allowance to noncurrent loans | 36.5324% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 8.3662% | 356 |
| Noncurrent loans to loans | 8.6759% | 338 |
| Net loans and leases to total assets | 82.9014% | 285 |
| Net loans and leases to deposits | 99.9848% | 436 |
| Net loans and leases to core deposits | 104.7230% | 824 |
| Total domestic deposits to total assets | 82.9141% | 4,674 |
| Equity capital to assets | 9.9654% | 4,538 |
| Core capital (leverage) ratio | 9.8437% | 3,763 |
| Tier 1 risk-based capital ratio | 12.6181% | 5,546 |
| Total risk-based capital ratio | 13.8900% | 5,490 |
| Memoranda: | ||
| Average total assets | $593,548,250 | 1,130 |
| Average earning assets | $554,627,000 | 1,099 |
| Average equity | $54,048,000 | 1,331 |
| Average total loans | $507,454,250 | 822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8873% | 352 |
| Cost of funding earning assets | 1.0313% | 1,572 |
| Net interest margin | 4.8560% | 511 |
| Noninterest income to average assets | 0.3763% | 4,828 |
| Noninterest expense to average assets | 3.4815% | 1,826 |
| Loan and lease loss provision to assets | 1.2805% | 310 |
| Net operating income to assets | 0.1576% | 6,024 |
| Return on assets (ROA) | 0.1975% | 6,107 |
| Pretax return on assets | 0.1975% | 6,155 |
| Return on Equity (ROE) | 2.2336% | 5,971 |
| Retained earnings to average equity (ytd only) | 2.2336% | 5,073 |
| Net charge-offs to loans | 1.4305% | 707 |
| Credit loss provision to net charge-offs | 104.7478% | 2,596 |
| Earnings coverage of net charge-offs (x) | 1.1764% | 4,422 |
| Efficiency ratio | 70.7669% | 3,637 |
| Assets per employee ($millions) | 4.7388% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1474% | 679 |
| Loan loss allowance to noncurrent loans | 36.2455% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 8.0577% | 425 |
| Noncurrent loans to loans | 8.6837% | 372 |
| Net loans and leases to total assets | 83.5827% | 234 |
| Net loans and leases to deposits | 99.3705% | 448 |
| Net loans and leases to core deposits | 105.0605% | 789 |
| Total domestic deposits to total assets | 84.1122% | 4,270 |
| Equity capital to assets | 9.5570% | 4,971 |
| Core capital (leverage) ratio | 9.3762% | 4,325 |
| Tier 1 risk-based capital ratio | 12.1329% | 5,842 |
| Total risk-based capital ratio | 13.4105% | 5,801 |
| Memoranda: | ||
| Average total assets | $606,464,000 | 1,100 |
| Average earning assets | $567,426,000 | 1,070 |
| Average equity | $53,634,670 | 1,332 |
| Average total loans | $518,274,670 | 800 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7854% | 437 |
| Cost of funding earning assets | 1.1113% | 1,342 |
| Net interest margin | 4.6741% | 721 |
| Noninterest income to average assets | 0.7765% | 2,267 |
| Noninterest expense to average assets | 3.3177% | 2,238 |
| Loan and lease loss provision to assets | 1.2684% | 291 |
| Net operating income to assets | 0.5622% | 4,538 |
| Return on assets (ROA) | 0.6396% | 4,386 |
| Pretax return on assets | 0.6396% | 4,972 |
| Return on Equity (ROE) | 7.5077% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.5077% | 2,169 |
| Net charge-offs to loans | 1.9157% | 498 |
| Credit loss provision to net charge-offs | 77.8257% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.1232% | 3,770 |
| Efficiency ratio | 64.4428% | 4,841 |
| Assets per employee ($millions) | 5.2345% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8402% | 971 |
| Loan loss allowance to noncurrent loans | 28.9053% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 9.2806% | 362 |
| Noncurrent loans to loans | 9.8258% | 320 |
| Net loans and leases to total assets | 81.4428% | 308 |
| Net loans and leases to deposits | 98.4806% | 424 |
| Net loans and leases to core deposits | 107.2133% | 635 |
| Total domestic deposits to total assets | 82.6993% | 5,041 |
| Equity capital to assets | 8.6948% | 5,875 |
| Core capital (leverage) ratio | 8.5207% | 5,562 |
| Tier 1 risk-based capital ratio | 11.1537% | 6,470 |
| Total risk-based capital ratio | 12.4266% | 6,443 |
| Memoranda: | ||
| Average total assets | $625,365,500 | 1,064 |
| Average earning assets | $584,922,500 | 1,031 |
| Average equity | $53,278,500 | 1,332 |
| Average total loans | $532,038,000 | 784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 321 |
| Cost of funding earning assets | 1.2667% | 1,647 |
| Net interest margin | 4.9177% | 489 |
| Noninterest income to average assets | -0.0040% | 7,003 |
| Noninterest expense to average assets | 3.1183% | 3,137 |
| Loan and lease loss provision to assets | 2.2441% | 227 |
| Net operating income to assets | -1.5163% | 6,909 |
| Return on assets (ROA) | -1.5163% | 6,932 |
| Pretax return on assets | -0.8254% | 6,659 |
| Return on Equity (ROE) | -16.2514% | 6,917 |
| Retained earnings to average equity (ytd only) | -16.2514% | 6,896 |
| Net charge-offs to loans | 2.2117% | 583 |
| Credit loss provision to net charge-offs | 115.5906% | 2,820 |
| Earnings coverage of net charge-offs (x) | 0.7307% | 5,261 |
| Efficiency ratio | 68.7311% | 4,203 |
| Assets per employee ($millions) | 4.9458% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7950% | 986 |
| Loan loss allowance to noncurrent loans | 35.5720% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 7.9166% | 516 |
| Noncurrent loans to loans | 7.8574% | 520 |
| Net loans and leases to total assets | 83.8866% | 211 |
| Net loans and leases to deposits | 102.7838% | 344 |
| Net loans and leases to core deposits | 112.8701% | 542 |
| Total domestic deposits to total assets | 81.6146% | 5,262 |
| Equity capital to assets | 8.3486% | 6,305 |
| Core capital (leverage) ratio | 8.2595% | 5,910 |
| Tier 1 risk-based capital ratio | 10.5262% | 6,676 |
| Total risk-based capital ratio | 11.7993% | 6,644 |
| Memoranda: | ||
| Average total assets | $650,203,200 | 996 |
| Average earning assets | $600,378,000 | 976 |
| Average equity | $60,665,400 | 1,112 |
| Average total loans | $570,740,000 | 740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1255% | 375 |
| Cost of funding earning assets | 1.2878% | 1,771 |
| Net interest margin | 4.8377% | 578 |
| Noninterest income to average assets | -0.0255% | 7,137 |
| Noninterest expense to average assets | 3.1719% | 2,919 |
| Loan and lease loss provision to assets | 1.7624% | 345 |
| Net operating income to assets | -0.2974% | 6,490 |
| Return on assets (ROA) | -0.2974% | 6,549 |
| Pretax return on assets | -0.5064% | 6,625 |
| Return on Equity (ROE) | -3.1087% | 6,565 |
| Retained earnings to average equity (ytd only) | -3.1087% | 6,429 |
| Net charge-offs to loans | 1.7807% | 754 |
| Credit loss provision to net charge-offs | 112.2923% | 2,912 |
| Earnings coverage of net charge-offs (x) | 0.8002% | 5,016 |
| Efficiency ratio | 71.6356% | 3,630 |
| Assets per employee ($millions) | 4.9434% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5262% | 1,358 |
| Loan loss allowance to noncurrent loans | 26.8429% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 9.1608% | 424 |
| Noncurrent loans to loans | 9.4111% | 398 |
| Net loans and leases to total assets | 85.5532% | 142 |
| Net loans and leases to deposits | 107.1006% | 225 |
| Net loans and leases to core deposits | 119.1893% | 414 |
| Total domestic deposits to total assets | 79.8811% | 5,769 |
| Equity capital to assets | 9.5321% | 5,033 |
| Core capital (leverage) ratio | 9.4498% | 4,228 |
| Tier 1 risk-based capital ratio | 11.8759% | 5,981 |
| Total risk-based capital ratio | 13.1461% | 5,947 |
| Memoranda: | ||
| Average total assets | $654,488,250 | 999 |
| Average earning assets | $602,472,250 | 979 |
| Average equity | $62,618,750 | 1,080 |
| Average total loans | $576,843,750 | 740 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1767% | 342 |
| Cost of funding earning assets | 1.3166% | 1,843 |
| Net interest margin | 4.8601% | 537 |
| Noninterest income to average assets | 0.1862% | 6,331 |
| Noninterest expense to average assets | 3.0536% | 3,418 |
| Loan and lease loss provision to assets | 1.2575% | 603 |
| Net operating income to assets | 0.2084% | 5,711 |
| Return on assets (ROA) | 0.2084% | 5,828 |
| Pretax return on assets | 0.3533% | 5,534 |
| Return on Equity (ROE) | 2.1753% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.1753% | 4,902 |
| Net charge-offs to loans | 0.7589% | 1,981 |
| Credit loss provision to net charge-offs | 187.7551% | 1,610 |
| Earnings coverage of net charge-offs (x) | 2.4050% | 3,614 |
| Efficiency ratio | 65.4663% | 4,973 |
| Assets per employee ($millions) | 4.9118% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6796% | 1,201 |
| Loan loss allowance to noncurrent loans | 31.6995% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 8.8324% | 480 |
| Noncurrent loans to loans | 8.4532% | 510 |
| Net loans and leases to total assets | 86.0034% | 140 |
| Net loans and leases to deposits | 106.9684% | 236 |
| Net loans and leases to core deposits | 119.3743% | 436 |
| Total domestic deposits to total assets | 80.4008% | 5,711 |
| Equity capital to assets | 9.8524% | 4,326 |
| Core capital (leverage) ratio | 9.5913% | 3,817 |
| Tier 1 risk-based capital ratio | 12.1235% | 5,692 |
| Total risk-based capital ratio | 13.3948% | 5,645 |
| Memoranda: | ||
| Average total assets | $658,437,670 | 999 |
| Average earning assets | $606,700,670 | 979 |
| Average equity | $63,072,670 | 1,075 |
| Average total loans | $581,109,000 | 742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1593% | 354 |
| Cost of funding earning assets | 1.3718% | 1,760 |
| Net interest margin | 4.7875% | 584 |
| Noninterest income to average assets | 0.0913% | 6,964 |
| Noninterest expense to average assets | 3.1493% | 3,069 |
| Loan and lease loss provision to assets | 0.9917% | 781 |
| Net operating income to assets | 0.2138% | 5,743 |
| Return on assets (ROA) | 0.2138% | 5,806 |
| Pretax return on assets | 0.3628% | 5,464 |
| Return on Equity (ROE) | 2.2635% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.2635% | 4,794 |
| Net charge-offs to loans | 0.7580% | 1,706 |
| Credit loss provision to net charge-offs | 148.3378% | 1,925 |
| Earnings coverage of net charge-offs (x) | 2.0261% | 3,288 |
| Efficiency ratio | 69.9253% | 4,291 |
| Assets per employee ($millions) | 5.0737% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3828% | 1,632 |
| Loan loss allowance to noncurrent loans | 33.3808% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 7.3787% | 691 |
| Noncurrent loans to loans | 7.1384% | 761 |
| Net loans and leases to total assets | 85.3044% | 167 |
| Net loans and leases to deposits | 106.1673% | 245 |
| Net loans and leases to core deposits | 121.6832% | 386 |
| Total domestic deposits to total assets | 80.3490% | 5,852 |
| Equity capital to assets | 9.4895% | 4,450 |
| Core capital (leverage) ratio | 9.3510% | 4,052 |
| Tier 1 risk-based capital ratio | 11.7810% | 5,869 |
| Total risk-based capital ratio | 13.0481% | 5,863 |
| Memoranda: | ||
| Average total assets | $665,932,000 | 1,001 |
| Average earning assets | $613,771,000 | 990 |
| Average equity | $62,911,500 | 1,066 |
| Average total loans | $587,351,000 | 737 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3870% | 393 |
| Cost of funding earning assets | 1.5413% | 2,401 |
| Net interest margin | 4.8457% | 613 |
| Noninterest income to average assets | 0.2734% | 5,829 |
| Noninterest expense to average assets | 2.8564% | 4,386 |
| Loan and lease loss provision to assets | 1.2943% | 1,191 |
| Net operating income to assets | 0.3779% | 4,650 |
| Return on assets (ROA) | 0.3779% | 4,794 |
| Pretax return on assets | 0.6410% | 4,195 |
| Return on Equity (ROE) | 4.2137% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.2137% | 2,894 |
| Net charge-offs to loans | 1.5207% | 1,443 |
| Credit loss provision to net charge-offs | 95.3019% | 4,876 |
| Earnings coverage of net charge-offs (x) | 1.4250% | 4,690 |
| Efficiency ratio | 59.6113% | 6,104 |
| Assets per employee ($millions) | 5.1324% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2398% | 1,794 |
| Loan loss allowance to noncurrent loans | 37.8683% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 6.2198% | 930 |
| Noncurrent loans to loans | 5.9148% | 1,062 |
| Net loans and leases to total assets | 87.0163% | 132 |
| Net loans and leases to deposits | 108.1575% | 268 |
| Net loans and leases to core deposits | 123.9980% | 426 |
| Total domestic deposits to total assets | 80.4533% | 5,700 |
| Equity capital to assets | 9.4050% | 4,540 |
| Core capital (leverage) ratio | 9.2429% | 4,104 |
| Tier 1 risk-based capital ratio | 11.6060% | 5,814 |
| Total risk-based capital ratio | 12.8712% | 5,806 |
| Memoranda: | ||
| Average total assets | $675,492,000 | 980 |
| Average earning assets | $629,852,800 | 958 |
| Average equity | $60,588,200 | 1,100 |
| Average total loans | $603,267,600 | 738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3451% | 465 |
| Cost of funding earning assets | 1.5718% | 2,543 |
| Net interest margin | 4.7733% | 713 |
| Noninterest income to average assets | 0.2712% | 5,948 |
| Noninterest expense to average assets | 2.8165% | 4,412 |
| Loan and lease loss provision to assets | 1.4688% | 911 |
| Net operating income to assets | 0.2588% | 5,319 |
| Return on assets (ROA) | 0.2588% | 5,476 |
| Pretax return on assets | 0.4384% | 5,115 |
| Return on Equity (ROE) | 2.9198% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.9198% | 4,379 |
| Net charge-offs to loans | 1.7177% | 1,136 |
| Credit loss provision to net charge-offs | 95.6678% | 4,533 |
| Earnings coverage of net charge-offs (x) | 1.2422% | 4,822 |
| Efficiency ratio | 59.6251% | 6,009 |
| Assets per employee ($millions) | 5.2050% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2324% | 1,736 |
| Loan loss allowance to noncurrent loans | 34.2373% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 6.4927% | 878 |
| Noncurrent loans to loans | 6.5204% | 917 |
| Net loans and leases to total assets | 86.6955% | 155 |
| Net loans and leases to deposits | 107.9447% | 301 |
| Net loans and leases to core deposits | 119.0204% | 646 |
| Total domestic deposits to total assets | 80.3147% | 5,606 |
| Equity capital to assets | 9.0921% | 5,454 |
| Core capital (leverage) ratio | 9.0860% | 4,547 |
| Tier 1 risk-based capital ratio | 11.3842% | 6,033 |
| Total risk-based capital ratio | 12.6500% | 6,007 |
| Memoranda: | ||
| Average total assets | $677,562,250 | 987 |
| Average earning assets | $632,028,750 | 960 |
| Average equity | $60,047,500 | 1,110 |
| Average total loans | $605,613,500 | 735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 476 |
| Cost of funding earning assets | 1.6163% | 2,566 |
| Net interest margin | 4.7194% | 790 |
| Noninterest income to average assets | 0.2239% | 6,315 |
| Noninterest expense to average assets | 2.8183% | 4,399 |
| Loan and lease loss provision to assets | 1.7543% | 710 |
| Net operating income to assets | 0.0389% | 6,011 |
| Return on assets (ROA) | 0.0389% | 6,112 |
| Pretax return on assets | 0.0649% | 6,045 |
| Return on Equity (ROE) | 0.4433% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.4433% | 5,588 |
| Net charge-offs to loans | 1.9234% | 961 |
| Credit loss provision to net charge-offs | 101.7802% | 4,010 |
| Earnings coverage of net charge-offs (x) | 1.0555% | 4,737 |
| Efficiency ratio | 60.7711% | 5,903 |
| Assets per employee ($millions) | 5.3306% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,597 |
| Loan loss allowance to noncurrent loans | 35.0162% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 6.7380% | 806 |
| Noncurrent loans to loans | 6.5442% | 909 |
| Net loans and leases to total assets | 87.8422% | 138 |
| Net loans and leases to deposits | 109.3363% | 292 |
| Net loans and leases to core deposits | 122.3032% | 617 |
| Total domestic deposits to total assets | 80.3412% | 5,616 |
| Equity capital to assets | 8.8744% | 5,635 |
| Core capital (leverage) ratio | 8.7992% | 4,915 |
| Tier 1 risk-based capital ratio | 10.9670% | 6,270 |
| Total risk-based capital ratio | 12.2335% | 6,243 |
| Memoranda: | ||
| Average total assets | $677,864,330 | 992 |
| Average earning assets | $633,931,000 | 965 |
| Average equity | $59,556,000 | 1,110 |
| Average total loans | $607,476,330 | 738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3781% | 459 |
| Cost of funding earning assets | 1.6623% | 2,585 |
| Net interest margin | 4.7158% | 759 |
| Noninterest income to average assets | 0.3254% | 5,550 |
| Noninterest expense to average assets | 2.8771% | 4,151 |
| Loan and lease loss provision to assets | 1.8057% | 627 |
| Net operating income to assets | 0.0329% | 6,214 |
| Return on assets (ROA) | 0.0329% | 6,330 |
| Pretax return on assets | 0.0552% | 6,243 |
| Return on Equity (ROE) | 0.3763% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.3763% | 5,686 |
| Net charge-offs to loans | 1.5743% | 1,102 |
| Credit loss provision to net charge-offs | 128.1902% | 2,750 |
| Earnings coverage of net charge-offs (x) | 1.3211% | 3,953 |
| Efficiency ratio | 60.7240% | 6,050 |
| Assets per employee ($millions) | 5.2945% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3930% | 1,428 |
| Loan loss allowance to noncurrent loans | 33.8216% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 6.6570% | 840 |
| Noncurrent loans to loans | 7.0754% | 835 |
| Net loans and leases to total assets | 86.7236% | 180 |
| Net loans and leases to deposits | 108.6599% | 323 |
| Net loans and leases to core deposits | 124.7560% | 624 |
| Total domestic deposits to total assets | 79.8119% | 5,850 |
| Equity capital to assets | 8.7895% | 5,568 |
| Core capital (leverage) ratio | 8.6922% | 5,031 |
| Tier 1 risk-based capital ratio | 11.0147% | 6,141 |
| Total risk-based capital ratio | 12.2832% | 6,094 |
| Memoranda: | ||
| Average total assets | $680,971,500 | 1,010 |
| Average earning assets | $637,177,000 | 983 |
| Average equity | $59,531,500 | 1,119 |
| Average total loans | $609,300,000 | 755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5898% | 563 |
| Cost of funding earning assets | 2.3504% | 1,457 |
| Net interest margin | 4.2394% | 1,940 |
| Noninterest income to average assets | 0.3978% | 5,218 |
| Noninterest expense to average assets | 3.0864% | 3,806 |
| Loan and lease loss provision to assets | 2.7827% | 659 |
| Net operating income to assets | -0.8494% | 6,472 |
| Return on assets (ROA) | -0.8494% | 6,472 |
| Pretax return on assets | -1.4446% | 6,666 |
| Return on Equity (ROE) | -10.0404% | 6,627 |
| Retained earnings to average equity (ytd only) | -10.0404% | 6,523 |
| Net charge-offs to loans | 2.0353% | 1,208 |
| Credit loss provision to net charge-offs | 152.0267% | 3,024 |
| Earnings coverage of net charge-offs (x) | 0.7311% | 5,366 |
| Efficiency ratio | 69.7555% | 4,679 |
| Assets per employee ($millions) | 5.3457% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2277% | 1,595 |
| Loan loss allowance to noncurrent loans | 33.6552% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 6.1194% | 917 |
| Noncurrent loans to loans | 6.6192% | 896 |
| Net loans and leases to total assets | 88.0875% | 167 |
| Net loans and leases to deposits | 113.2175% | 284 |
| Net loans and leases to core deposits | 167.9980% | 254 |
| Total domestic deposits to total assets | 77.8037% | 6,270 |
| Equity capital to assets | 8.6953% | 5,592 |
| Core capital (leverage) ratio | 8.6942% | 4,933 |
| Tier 1 risk-based capital ratio | 10.7820% | 6,130 |
| Total risk-based capital ratio | 12.0485% | 6,086 |
| Memoranda: | ||
| Average total assets | $671,210,800 | 1,027 |
| Average earning assets | $637,545,800 | 978 |
| Average equity | $56,780,800 | 1,163 |
| Average total loans | $603,641,400 | 781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6332% | 578 |
| Cost of funding earning assets | 2.5043% | 1,288 |
| Net interest margin | 4.1288% | 2,290 |
| Noninterest income to average assets | 0.4585% | 4,838 |
| Noninterest expense to average assets | 3.1824% | 3,357 |
| Loan and lease loss provision to assets | 3.1718% | 441 |
| Net operating income to assets | -1.1595% | 6,936 |
| Return on assets (ROA) | -1.1595% | 6,940 |
| Pretax return on assets | -1.9715% | 7,170 |
| Return on Equity (ROE) | -13.8055% | 7,124 |
| Retained earnings to average equity (ytd only) | -13.8055% | 7,063 |
| Net charge-offs to loans | 2.2110% | 871 |
| Credit loss provision to net charge-offs | 159.5862% | 2,977 |
| Earnings coverage of net charge-offs (x) | 0.6039% | 5,428 |
| Efficiency ratio | 72.6134% | 4,125 |
| Assets per employee ($millions) | 5.4816% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 1,439 |
| Loan loss allowance to noncurrent loans | 31.6033% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 6.5958% | 755 |
| Noncurrent loans to loans | 6.9342% | 779 |
| Net loans and leases to total assets | 87.8691% | 214 |
| Net loans and leases to deposits | 111.6292% | 407 |
| Net loans and leases to core deposits | 166.8405% | 295 |
| Total domestic deposits to total assets | 78.7151% | 5,891 |
| Equity capital to assets | 8.7975% | 5,798 |
| Core capital (leverage) ratio | 8.7367% | 5,066 |
| Tier 1 risk-based capital ratio | 10.9836% | 5,967 |
| Total risk-based capital ratio | 12.2499% | 5,920 |
| Memoranda: | ||
| Average total assets | $667,952,000 | 1,044 |
| Average earning assets | $634,835,750 | 997 |
| Average equity | $56,101,750 | 1,192 |
| Average total loans | $600,434,750 | 801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6226% | 631 |
| Cost of funding earning assets | 2.6729% | 1,102 |
| Net interest margin | 3.9497% | 2,889 |
| Noninterest income to average assets | 0.5151% | 4,310 |
| Noninterest expense to average assets | 3.2755% | 3,064 |
| Loan and lease loss provision to assets | 3.9942% | 309 |
| Net operating income to assets | -1.7661% | 7,350 |
| Return on assets (ROA) | -1.7661% | 7,340 |
| Pretax return on assets | -3.0018% | 7,572 |
| Return on Equity (ROE) | -21.3700% | 7,542 |
| Retained earnings to average equity (ytd only) | -21.3700% | 7,497 |
| Net charge-offs to loans | 2.4120% | 736 |
| Credit loss provision to net charge-offs | 184.1828% | 2,487 |
| Earnings coverage of net charge-offs (x) | 0.4576% | 5,243 |
| Efficiency ratio | 76.7471% | 3,557 |
| Assets per employee ($millions) | 5.3670% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2026% | 1,238 |
| Loan loss allowance to noncurrent loans | 37.2760% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 5.5328% | 909 |
| Noncurrent loans to loans | 5.9089% | 933 |
| Net loans and leases to total assets | 88.8114% | 200 |
| Net loans and leases to deposits | 122.1274% | 196 |
| Net loans and leases to core deposits | 183.4899% | 194 |
| Total domestic deposits to total assets | 72.7203% | 7,152 |
| Equity capital to assets | 8.8318% | 5,553 |
| Core capital (leverage) ratio | 8.7843% | 4,963 |
| Tier 1 risk-based capital ratio | 10.9399% | 5,936 |
| Total risk-based capital ratio | 12.2061% | 5,860 |
| Memoranda: | ||
| Average total assets | $665,857,670 | 1,063 |
| Average earning assets | $632,655,330 | 1,019 |
| Average equity | $55,030,330 | 1,223 |
| Average total loans | $598,673,670 | 824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6113% | 694 |
| Cost of funding earning assets | 2.8393% | 890 |
| Net interest margin | 3.7720% | 3,581 |
| Noninterest income to average assets | 0.5318% | 4,046 |
| Noninterest expense to average assets | 3.4148% | 2,311 |
| Loan and lease loss provision to assets | 7.5707% | 79 |
| Net operating income to assets | -4.0407% | 7,981 |
| Return on assets (ROA) | -4.0407% | 7,975 |
| Pretax return on assets | -6.8664% | 8,077 |
| Return on Equity (ROE) | -50.6496% | 8,051 |
| Retained earnings to average equity (ytd only) | -50.6496% | 8,034 |
| Net charge-offs to loans | 4.3694% | 266 |
| Credit loss provision to net charge-offs | 193.6902% | 2,279 |
| Earnings coverage of net charge-offs (x) | 0.1802% | 4,838 |
| Efficiency ratio | 82.9015% | 2,427 |
| Assets per employee ($millions) | 4.7170% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2415% | 1,029 |
| Loan loss allowance to noncurrent loans | 60.8759% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 3.6449% | 1,453 |
| Noncurrent loans to loans | 3.6821% | 1,700 |
| Net loans and leases to total assets | 87.3408% | 315 |
| Net loans and leases to deposits | 118.6768% | 319 |
| Net loans and leases to core deposits | 185.9441% | 202 |
| Total domestic deposits to total assets | 73.5955% | 6,947 |
| Equity capital to assets | 7.7442% | 7,135 |
| Core capital (leverage) ratio | 7.6830% | 6,908 |
| Tier 1 risk-based capital ratio | 9.6579% | 7,288 |
| Total risk-based capital ratio | 10.9243% | 7,195 |
| Memoranda: | ||
| Average total assets | $663,350,000 | 1,069 |
| Average earning assets | $630,858,500 | 1,019 |
| Average equity | $52,920,500 | 1,281 |
| Average total loans | $593,395,000 | 835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6295% | 323 |
| Cost of funding earning assets | 3.6600% | 307 |
| Net interest margin | 3.9695% | 3,274 |
| Noninterest income to average assets | 0.6697% | 3,331 |
| Noninterest expense to average assets | 3.1503% | 3,514 |
| Loan and lease loss provision to assets | 0.8268% | 1,801 |
| Net operating income to assets | 0.2815% | 5,607 |
| Return on assets (ROA) | 0.2815% | 5,416 |
| Pretax return on assets | 0.4781% | 5,042 |
| Return on Equity (ROE) | 3.5628% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.5628% | 2,925 |
| Net charge-offs to loans | 0.4115% | 2,757 |
| Credit loss provision to net charge-offs | 225.4390% | 2,109 |
| Earnings coverage of net charge-offs (x) | 3.5580% | 4,314 |
| Efficiency ratio | 70.7114% | 4,195 |
| Assets per employee ($millions) | 4.8658% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,167 |
| Loan loss allowance to noncurrent loans | 25.3321% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 4.4831% | 844 |
| Noncurrent loans to loans | 4.9254% | 908 |
| Net loans and leases to total assets | 88.4497% | 328 |
| Net loans and leases to deposits | 119.0154% | 409 |
| Net loans and leases to core deposits | 166.0738% | 477 |
| Total domestic deposits to total assets | 74.3179% | 6,598 |
| Equity capital to assets | 8.2159% | 6,530 |
| Core capital (leverage) ratio | 8.3258% | 5,905 |
| Tier 1 risk-based capital ratio | 10.0820% | 6,643 |
| Total risk-based capital ratio | 11.3338% | 6,520 |
| Memoranda: | ||
| Average total assets | $636,701,800 | 1,053 |
| Average earning assets | $607,186,000 | 1,001 |
| Average equity | $50,297,800 | 1,343 |
| Average total loans | $567,389,000 | 838 |