Home > First Western Bank > Performance and Condition Ratios
First Western Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2868% | 841 |
| Cost of funding earning assets | 2.6649% | 636 |
| Net interest margin | 3.6219% | 2,035 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.9793% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7021% | 3,106 |
| Return on assets (ROA) | 0.7021% | 3,118 |
| Pretax return on assets | 0.8432% | 3,101 |
| Return on Equity (ROE) | 8.3900% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.5912% | 2,394 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.9412% | 1,096 |
| Assets per employee ($millions) | 7.7238% | 1,734 |
| Cash dividends to net income (ytd only)* | 33.3595% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 3,694 |
| Loan loss allowance to noncurrent loans | 709.2086% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 3,037 |
| Noncurrent loans to loans | 0.1220% | 3,062 |
| Net loans and leases to total assets | 77.7700% | 860 |
| Net loans and leases to deposits | 87.1069% | 1,386 |
| Net loans and leases to core deposits | 105.1437% | 1,069 |
| Total domestic deposits to total assets | 89.2800% | 1,064 |
| Equity capital to assets | 8.4650% | 3,342 |
| Core capital (leverage) ratio | 8.8618% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6135% | 2,332 |
| Memoranda: | ||
| Average total assets | $725,817,500 | 1,328 |
| Average earning assets | $674,235,500 | 1,334 |
| Average equity | $60,738,500 | 1,533 |
| Average total loans | $562,685,500 | 1,212 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3460% | 868 |
| Cost of funding earning assets | 2.7106% | 824 |
| Net interest margin | 3.6354% | 1,817 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 2.9271% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7974% | 2,692 |
| Return on assets (ROA) | 0.7974% | 2,706 |
| Pretax return on assets | 1.0153% | 2,493 |
| Return on Equity (ROE) | 9.2400% | 2,392 |
| Retained earnings to average equity (ytd only) | 6.3354% | 1,697 |
| Net charge-offs to loans | 0.0116% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 109.1746% | 768 |
| Efficiency ratio | 74.2465% | 1,528 |
| Assets per employee ($millions) | 7.9736% | 1,553 |
| Cash dividends to net income (ytd only)* | 31.4698% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 3,664 |
| Loan loss allowance to noncurrent loans | 1,084.5815% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,225 |
| Noncurrent loans to loans | 0.0817% | 3,237 |
| Net loans and leases to total assets | 75.9200% | 1,157 |
| Net loans and leases to deposits | 84.8386% | 1,701 |
| Net loans and leases to core deposits | 98.9046% | 1,520 |
| Total domestic deposits to total assets | 89.4900% | 988 |
| Equity capital to assets | 8.2715% | 3,352 |
| Core capital (leverage) ratio | 8.8509% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7035% | 2,315 |
| Memoranda: | ||
| Average total assets | $677,421,000 | 1,377 |
| Average earning assets | $624,721,800 | 1,381 |
| Average equity | $58,434,000 | 1,527 |
| Average total loans | $541,855,400 | 1,226 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3141% | 868 |
| Cost of funding earning assets | 2.6689% | 883 |
| Net interest margin | 3.6451% | 1,750 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.9775% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7398% | 2,870 |
| Return on assets (ROA) | 0.7398% | 2,888 |
| Pretax return on assets | 0.9719% | 2,627 |
| Return on Equity (ROE) | 8.4800% | 2,614 |
| Retained earnings to average equity (ytd only) | 5.5525% | 2,260 |
| Net charge-offs to loans | 0.0087% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 138.5714% | 648 |
| Efficiency ratio | 75.3920% | 1,452 |
| Assets per employee ($millions) | 7.8073% | 1,628 |
| Cash dividends to net income (ytd only)* | 34.5341% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 3,639 |
| Loan loss allowance to noncurrent loans | 784.6276% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,093 |
| Noncurrent loans to loans | 0.1154% | 3,108 |
| Net loans and leases to total assets | 77.1000% | 982 |
| Net loans and leases to deposits | 91.5632% | 1,089 |
| Net loans and leases to core deposits | 107.7126% | 1,041 |
| Total domestic deposits to total assets | 84.2000% | 2,542 |
| Equity capital to assets | 8.5577% | 3,359 |
| Core capital (leverage) ratio | 9.0954% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9048% | 2,278 |
| Memoranda: | ||
| Average total assets | $665,376,000 | 1,392 |
| Average earning assets | $612,561,250 | 1,400 |
| Average equity | $58,038,000 | 1,528 |
| Average total loans | $538,372,250 | 1,224 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3105% | 805 |
| Cost of funding earning assets | 2.6361% | 872 |
| Net interest margin | 3.6744% | 1,650 |
| Noninterest income to average assets | 0.6200% | 1,373 |
| Noninterest expense to average assets | 3.0422% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7370% | 2,837 |
| Return on assets (ROA) | 0.7370% | 2,848 |
| Pretax return on assets | 0.9471% | 2,631 |
| Return on Equity (ROE) | 8.3900% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,205 |
| Net charge-offs to loans | 0.0131% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 88.4286% | 830 |
| Efficiency ratio | 76.2417% | 1,437 |
| Assets per employee ($millions) | 7.1226% | 1,993 |
| Cash dividends to net income (ytd only)* | 35.3283% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 3,666 |
| Loan loss allowance to noncurrent loans | 1,002.2267% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,146 |
| Noncurrent loans to loans | 0.0907% | 3,200 |
| Net loans and leases to total assets | 81.4300% | 528 |
| Net loans and leases to deposits | 97.8690% | 665 |
| Net loans and leases to core deposits | 116.4735% | 745 |
| Total domestic deposits to total assets | 83.2000% | 2,826 |
| Equity capital to assets | 8.7936% | 2,889 |
| Core capital (leverage) ratio | 9.2099% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8610% | 2,304 |
| Memoranda: | ||
| Average total assets | $652,949,667 | 1,412 |
| Average earning assets | $599,670,000 | 1,416 |
| Average equity | $57,340,333 | 1,525 |
| Average total loans | $535,602,000 | 1,234 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2422% | 806 |
| Cost of funding earning assets | 2.6242% | 814 |
| Net interest margin | 3.6181% | 1,699 |
| Noninterest income to average assets | 0.6200% | 1,289 |
| Noninterest expense to average assets | 3.0286% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6640% | 2,961 |
| Return on assets (ROA) | 0.6640% | 2,990 |
| Pretax return on assets | 0.9108% | 2,638 |
| Return on Equity (ROE) | 7.5700% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.5776% | 2,533 |
| Net charge-offs to loans | 0.0226% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 49.2000% | 969 |
| Efficiency ratio | 76.8797% | 1,462 |
| Assets per employee ($millions) | 7.1402% | 1,998 |
| Cash dividends to net income (ytd only)* | 39.4981% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 3,625 |
| Loan loss allowance to noncurrent loans | 1,068.2505% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,178 |
| Noncurrent loans to loans | 0.0862% | 3,183 |
| Net loans and leases to total assets | 81.8900% | 430 |
| Net loans and leases to deposits | 95.2996% | 777 |
| Net loans and leases to core deposits | 110.5068% | 918 |
| Total domestic deposits to total assets | 85.9300% | 2,129 |
| Equity capital to assets | 8.8045% | 2,807 |
| Core capital (leverage) ratio | 9.1656% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8399% | 2,300 |
| Memoranda: | ||
| Average total assets | $648,223,500 | 1,424 |
| Average earning assets | $595,237,500 | 1,433 |
| Average equity | $56,886,000 | 1,521 |
| Average total loans | $531,225,000 | 1,237 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 1,001 |
| Cost of funding earning assets | 1.8905% | 1,085 |
| Net interest margin | 3.7414% | 1,668 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.9212% | 1,230 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8137% | 2,828 |
| Return on assets (ROA) | 0.8071% | 2,827 |
| Pretax return on assets | 1.0091% | 2,662 |
| Return on Equity (ROE) | 9.5900% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.8103% | 1,953 |
| Net charge-offs to loans | 0.0002% | 2,907 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 6,581.0000% | 9 |
| Efficiency ratio | 73.9933% | 1,460 |
| Assets per employee ($millions) | 7.0292% | 2,053 |
| Cash dividends to net income (ytd only)* | 28.9967% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 3,542 |
| Loan loss allowance to noncurrent loans | 1,312.3684% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,183 |
| Noncurrent loans to loans | 0.0723% | 3,201 |
| Net loans and leases to total assets | 80.4700% | 584 |
| Net loans and leases to deposits | 92.8887% | 1,021 |
| Net loans and leases to core deposits | 106.6898% | 1,082 |
| Total domestic deposits to total assets | 86.6400% | 1,807 |
| Equity capital to assets | 8.7467% | 2,864 |
| Core capital (leverage) ratio | 9.1355% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0130% | 2,583 |
| Memoranda: | ||
| Average total assets | $640,960,800 | 1,395 |
| Average earning assets | $589,699,000 | 1,396 |
| Average equity | $53,933,400 | 1,515 |
| Average total loans | $520,717,800 | 1,191 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 1,020 |
| Cost of funding earning assets | 1.7372% | 1,115 |
| Net interest margin | 3.7561% | 1,678 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.8823% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8224% | 2,955 |
| Return on assets (ROA) | 0.8137% | 2,970 |
| Pretax return on assets | 1.0364% | 2,752 |
| Return on Equity (ROE) | 9.7700% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.9523% | 2,301 |
| Net charge-offs to loans | -0.0015% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.3461% | 1,414 |
| Assets per employee ($millions) | 6.6488% | 2,219 |
| Cash dividends to net income (ytd only)* | 28.8240% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,194.6731% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,180 |
| Noncurrent loans to loans | 0.0790% | 3,193 |
| Net loans and leases to total assets | 81.1000% | 525 |
| Net loans and leases to deposits | 94.7192% | 843 |
| Net loans and leases to core deposits | 111.1518% | 829 |
| Total domestic deposits to total assets | 85.6200% | 2,306 |
| Equity capital to assets | 8.5763% | 2,680 |
| Core capital (leverage) ratio | 9.0372% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9637% | 2,621 |
| Memoranda: | ||
| Average total assets | $639,528,750 | 1,391 |
| Average earning assets | $588,994,250 | 1,402 |
| Average equity | $53,275,750 | 1,523 |
| Average total loans | $519,545,500 | 1,196 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 1,222 |
| Cost of funding earning assets | 1.5964% | 1,076 |
| Net interest margin | 3.5955% | 2,048 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.8862% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7746% | 3,157 |
| Return on assets (ROA) | 0.7610% | 3,211 |
| Pretax return on assets | 0.9279% | 3,101 |
| Return on Equity (ROE) | 9.2300% | 2,919 |
| Retained earnings to average equity (ytd only) | 6.3841% | 2,485 |
| Net charge-offs to loans | -0.0004% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.3447% | 1,233 |
| Assets per employee ($millions) | 6.9557% | 1,960 |
| Cash dividends to net income (ytd only)* | 30.8008% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,620 |
| Loan loss allowance to noncurrent loans | 1,404.2735% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,222 |
| Noncurrent loans to loans | 0.0677% | 3,215 |
| Net loans and leases to total assets | 81.1400% | 502 |
| Net loans and leases to deposits | 93.2686% | 925 |
| Net loans and leases to core deposits | 108.4457% | 889 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 8.4647% | 2,890 |
| Core capital (leverage) ratio | 8.9227% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0512% | 2,278 |
| Memoranda: | ||
| Average total assets | $639,944,667 | 1,394 |
| Average earning assets | $589,182,667 | 1,401 |
| Average equity | $52,787,333 | 1,528 |
| Average total loans | $518,534,667 | 1,182 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,260 |
| Cost of funding earning assets | 1.3736% | 1,081 |
| Net interest margin | 3.6084% | 2,110 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.8503% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6869% | 3,504 |
| Return on assets (ROA) | 0.6869% | 3,453 |
| Pretax return on assets | 0.9381% | 3,155 |
| Return on Equity (ROE) | 8.4400% | 3,190 |
| Retained earnings to average equity (ytd only) | 5.5734% | 2,870 |
| Net charge-offs to loans | -0.0008% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.2379% | 1,229 |
| Assets per employee ($millions) | 6.7104% | 2,186 |
| Cash dividends to net income (ytd only)* | 33.9367% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 3,733 |
| Loan loss allowance to noncurrent loans | 224.4991% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,512 |
| Noncurrent loans to loans | 0.4210% | 1,678 |
| Net loans and leases to total assets | 79.3700% | 605 |
| Net loans and leases to deposits | 91.6760% | 941 |
| Net loans and leases to core deposits | 106.6718% | 808 |
| Total domestic deposits to total assets | 86.5800% | 2,416 |
| Equity capital to assets | 8.1324% | 3,154 |
| Core capital (leverage) ratio | 8.7116% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6938% | 2,502 |
| Memoranda: | ||
| Average total assets | $643,433,500 | 1,408 |
| Average earning assets | $592,620,000 | 1,415 |
| Average equity | $52,391,500 | 1,552 |
| Average total loans | $518,555,500 | 1,192 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 543 |
| Cost of funding earning assets | 0.4462% | 1,746 |
| Net interest margin | 4.2214% | 505 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 3.0875% | 851 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4076% | 1,114 |
| Return on assets (ROA) | 1.4062% | 1,075 |
| Pretax return on assets | 1.8348% | 671 |
| Return on Equity (ROE) | 16.5400% | 952 |
| Retained earnings to average equity (ytd only) | 12.5574% | 576 |
| Net charge-offs to loans | 0.0008% | 2,556 |
| Credit loss provision to net charge-offs | 5,250.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 2,764.7500% | 52 |
| Efficiency ratio | 62.2534% | 2,724 |
| Assets per employee ($millions) | 6.5562% | 2,289 |
| Cash dividends to net income (ytd only)* | 24.0761% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 3,508 |
| Loan loss allowance to noncurrent loans | 179.8851% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 1,170 |
| Noncurrent loans to loans | 0.5400% | 1,366 |
| Net loans and leases to total assets | 80.2800% | 564 |
| Net loans and leases to deposits | 94.5867% | 743 |
| Net loans and leases to core deposits | 102.1337% | 889 |
| Total domestic deposits to total assets | 84.8700% | 3,030 |
| Equity capital to assets | 8.1528% | 2,962 |
| Core capital (leverage) ratio | 8.9037% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6643% | 2,499 |
| Memoranda: | ||
| Average total assets | $590,730,600 | 1,509 |
| Average earning assets | $545,937,200 | 1,513 |
| Average equity | $50,225,200 | 1,617 |
| Average total loans | $478,750,200 | 1,212 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 418 |
| Cost of funding earning assets | 0.3133% | 2,028 |
| Net interest margin | 4.2924% | 341 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 3.0133% | 889 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5933% | 665 |
| Return on assets (ROA) | 1.5933% | 646 |
| Pretax return on assets | 2.1766% | 333 |
| Return on Equity (ROE) | 18.5300% | 574 |
| Retained earnings to average equity (ytd only) | 14.2484% | 436 |
| Net charge-offs to loans | 0.0028% | 2,142 |
| Credit loss provision to net charge-offs | 1,100.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 956.9000% | 161 |
| Efficiency ratio | 57.7789% | 3,408 |
| Assets per employee ($millions) | 6.4066% | 2,402 |
| Cash dividends to net income (ytd only)* | 23.1080% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,477 |
| Loan loss allowance to noncurrent loans | 262.9828% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 1,705 |
| Noncurrent loans to loans | 0.3807% | 1,866 |
| Net loans and leases to total assets | 80.4900% | 492 |
| Net loans and leases to deposits | 93.2175% | 684 |
| Net loans and leases to core deposits | 99.9707% | 816 |
| Total domestic deposits to total assets | 86.3400% | 2,972 |
| Equity capital to assets | 8.2942% | 2,683 |
| Core capital (leverage) ratio | 9.0887% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9818% | 2,480 |
| Memoranda: | ||
| Average total assets | $579,424,750 | 1,548 |
| Average earning assets | $535,721,000 | 1,553 |
| Average equity | $49,819,500 | 1,651 |
| Average total loans | $469,550,500 | 1,227 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 349 |
| Cost of funding earning assets | 0.2519% | 2,238 |
| Net interest margin | 4.2913% | 275 |
| Noninterest income to average assets | 1.2203% | 462 |
| Noninterest expense to average assets | 2.9575% | 898 |
| Loan and lease loss provision to assets | 0.0385% | 1,896 |
| Net operating income to assets | 1.6110% | 535 |
| Return on assets (ROA) | 1.6110% | 519 |
| Pretax return on assets | 2.1989% | 250 |
| Return on Equity (ROE) | 18.5069% | 418 |
| Retained earnings to average equity (ytd only) | 15.8952% | 198 |
| Net charge-offs to loans | 0.0026% | 1,996 |
| Credit loss provision to net charge-offs | 1,833.3333% | 256 |
| Earnings coverage of net charge-offs (x) | 1,066.1667% | 121 |
| Efficiency ratio | 56.9313% | 3,686 |
| Assets per employee ($millions) | 6.0304% | 2,714 |
| Cash dividends to net income (ytd only)* | 14.1120% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,493 |
| Loan loss allowance to noncurrent loans | 234.7368% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,584 |
| Noncurrent loans to loans | 0.4367% | 1,814 |
| Net loans and leases to total assets | 80.1514% | 391 |
| Net loans and leases to deposits | 90.3482% | 699 |
| Net loans and leases to core deposits | 96.2925% | 817 |
| Total domestic deposits to total assets | 88.7139% | 2,291 |
| Equity capital to assets | 8.3892% | 2,844 |
| Core capital (leverage) ratio | 9.0063% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0926% | 2,455 |
| Memoranda: | ||
| Average total assets | $571,824,667 | 1,567 |
| Average earning assets | $529,623,667 | 1,586 |
| Average equity | $49,776,000 | 1,689 |
| Average total loans | $462,859,667 | 1,239 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 333 |
| Cost of funding earning assets | 0.2335% | 2,342 |
| Net interest margin | 4.2365% | 269 |
| Noninterest income to average assets | 1.9074% | 258 |
| Noninterest expense to average assets | 2.9624% | 866 |
| Loan and lease loss provision to assets | 0.0640% | 1,266 |
| Net operating income to assets | 2.0254% | 211 |
| Return on assets (ROA) | 2.0254% | 209 |
| Pretax return on assets | 2.8045% | 120 |
| Return on Equity (ROE) | 22.8333% | 131 |
| Retained earnings to average equity (ytd only) | 17.6202% | 152 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8053% | 4,272 |
| Assets per employee ($millions) | 6.2935% | 2,563 |
| Cash dividends to net income (ytd only)* | 22.8311% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,529 |
| Loan loss allowance to noncurrent loans | 245.5823% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 1,747 |
| Noncurrent loans to loans | 0.4279% | 1,958 |
| Net loans and leases to total assets | 78.6950% | 322 |
| Net loans and leases to deposits | 90.4630% | 484 |
| Net loans and leases to core deposits | 94.7978% | 697 |
| Total domestic deposits to total assets | 86.9914% | 2,932 |
| Equity capital to assets | 8.5472% | 3,116 |
| Core capital (leverage) ratio | 9.2482% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0070% | 2,604 |
| Memoranda: | ||
| Average total assets | $562,245,500 | 1,597 |
| Average earning assets | $520,712,500 | 1,612 |
| Average equity | $49,874,500 | 1,747 |
| Average total loans | $454,996,000 | 1,249 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 509 |
| Cost of funding earning assets | 0.3394% | 2,028 |
| Net interest margin | 4.2643% | 437 |
| Noninterest income to average assets | 1.1655% | 775 |
| Noninterest expense to average assets | 2.9416% | 1,075 |
| Loan and lease loss provision to assets | 0.0389% | 2,269 |
| Net operating income to assets | 1.5412% | 933 |
| Return on assets (ROA) | 1.5412% | 975 |
| Pretax return on assets | 2.1040% | 493 |
| Return on Equity (ROE) | 16.9371% | 600 |
| Retained earnings to average equity (ytd only) | 12.6655% | 445 |
| Net charge-offs to loans | 0.0187% | 1,907 |
| Credit loss provision to net charge-offs | 259.7403% | 1,146 |
| Earnings coverage of net charge-offs (x) | 143.1948% | 687 |
| Efficiency ratio | 57.8549% | 3,468 |
| Assets per employee ($millions) | 5.8609% | 2,897 |
| Cash dividends to net income (ytd only)* | 25.2207% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,441 |
| Loan loss allowance to noncurrent loans | 242.6478% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 1,755 |
| Noncurrent loans to loans | 0.4452% | 2,021 |
| Net loans and leases to total assets | 81.5473% | 198 |
| Net loans and leases to deposits | 92.4427% | 444 |
| Net loans and leases to core deposits | 96.3570% | 676 |
| Total domestic deposits to total assets | 88.2138% | 1,929 |
| Equity capital to assets | 9.2216% | 3,399 |
| Core capital (leverage) ratio | 9.3288% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5935% | 2,416 |
| Memoranda: | ||
| Average total assets | $514,542,800 | 1,663 |
| Average earning assets | $472,875,600 | 1,679 |
| Average equity | $46,820,200 | 1,864 |
| Average total loans | $410,965,200 | 1,347 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 536 |
| Cost of funding earning assets | 0.3696% | 1,940 |
| Net interest margin | 4.2654% | 488 |
| Noninterest income to average assets | 1.0687% | 968 |
| Noninterest expense to average assets | 2.8784% | 1,168 |
| Loan and lease loss provision to assets | 0.0210% | 2,569 |
| Net operating income to assets | 1.4299% | 1,447 |
| Return on assets (ROA) | 1.4299% | 1,514 |
| Pretax return on assets | 2.0826% | 694 |
| Return on Equity (ROE) | 15.7701% | 994 |
| Retained earnings to average equity (ytd only) | 11.4313% | 963 |
| Net charge-offs to loans | 0.0219% | 1,610 |
| Credit loss provision to net charge-offs | 121.2121% | 1,462 |
| Earnings coverage of net charge-offs (x) | 121.5303% | 770 |
| Efficiency ratio | 57.7753% | 3,306 |
| Assets per employee ($millions) | 5.7273% | 2,964 |
| Cash dividends to net income (ytd only)* | 27.5128% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,328 |
| Loan loss allowance to noncurrent loans | 206.2857% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 1,475 |
| Noncurrent loans to loans | 0.5447% | 1,956 |
| Net loans and leases to total assets | 80.1119% | 284 |
| Net loans and leases to deposits | 90.0595% | 606 |
| Net loans and leases to core deposits | 92.8673% | 876 |
| Total domestic deposits to total assets | 88.9544% | 1,303 |
| Equity capital to assets | 9.3271% | 3,533 |
| Core capital (leverage) ratio | 9.2534% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0476% | 2,346 |
| Memoranda: | ||
| Average total assets | $508,378,500 | 1,697 |
| Average earning assets | $466,406,750 | 1,708 |
| Average equity | $46,094,500 | 1,908 |
| Average total loans | $402,580,250 | 1,394 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 584 |
| Cost of funding earning assets | 0.4129% | 1,778 |
| Net interest margin | 4.2315% | 554 |
| Noninterest income to average assets | 1.2608% | 736 |
| Noninterest expense to average assets | 2.8722% | 1,202 |
| Loan and lease loss provision to assets | 0.0316% | 2,349 |
| Net operating income to assets | 1.4806% | 1,350 |
| Return on assets (ROA) | 1.4806% | 1,408 |
| Pretax return on assets | 2.2375% | 539 |
| Return on Equity (ROE) | 16.4900% | 865 |
| Retained earnings to average equity (ytd only) | 12.0880% | 896 |
| Net charge-offs to loans | 0.0558% | 1,064 |
| Credit loss provision to net charge-offs | 72.0721% | 1,516 |
| Earnings coverage of net charge-offs (x) | 51.7207% | 1,048 |
| Efficiency ratio | 55.8656% | 3,561 |
| Assets per employee ($millions) | 5.6233% | 2,993 |
| Cash dividends to net income (ytd only)* | 26.6951% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,338 |
| Loan loss allowance to noncurrent loans | 234.8661% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 1,804 |
| Noncurrent loans to loans | 0.4755% | 2,248 |
| Net loans and leases to total assets | 80.4255% | 290 |
| Net loans and leases to deposits | 89.3028% | 695 |
| Net loans and leases to core deposits | 92.3812% | 984 |
| Total domestic deposits to total assets | 90.0593% | 745 |
| Equity capital to assets | 9.1400% | 3,665 |
| Core capital (leverage) ratio | 8.9827% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3553% | 2,223 |
| Memoranda: | ||
| Average total assets | $506,020,333 | 1,693 |
| Average earning assets | $464,039,333 | 1,712 |
| Average equity | $45,433,667 | 1,915 |
| Average total loans | $397,563,000 | 1,418 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 577 |
| Cost of funding earning assets | 0.4748% | 1,562 |
| Net interest margin | 4.2184% | 584 |
| Noninterest income to average assets | 1.1535% | 918 |
| Noninterest expense to average assets | 2.8658% | 1,222 |
| Loan and lease loss provision to assets | 0.0397% | 2,249 |
| Net operating income to assets | 1.3713% | 1,630 |
| Return on assets (ROA) | 1.3713% | 1,716 |
| Pretax return on assets | 2.1114% | 794 |
| Return on Equity (ROE) | 15.4138% | 1,136 |
| Retained earnings to average equity (ytd only) | 10.9461% | 1,413 |
| Net charge-offs to loans | 0.1164% | 607 |
| Credit loss provision to net charge-offs | 44.2478% | 1,336 |
| Earnings coverage of net charge-offs (x) | 23.9469% | 1,184 |
| Efficiency ratio | 57.1225% | 3,413 |
| Assets per employee ($millions) | 5.6912% | 2,920 |
| Cash dividends to net income (ytd only)* | 28.9855% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,912 |
| Loan loss allowance to noncurrent loans | 204.0672% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 1,614 |
| Noncurrent loans to loans | 0.5895% | 2,095 |
| Net loans and leases to total assets | 74.8401% | 730 |
| Net loans and leases to deposits | 82.9128% | 1,256 |
| Net loans and leases to core deposits | 85.9719% | 1,525 |
| Total domestic deposits to total assets | 90.2636% | 689 |
| Equity capital to assets | 8.9174% | 3,767 |
| Core capital (leverage) ratio | 8.8975% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3631% | 2,134 |
| Memoranda: | ||
| Average total assets | $503,172,000 | 1,682 |
| Average earning assets | $460,835,000 | 1,712 |
| Average equity | $44,765,000 | 1,926 |
| Average total loans | $388,245,000 | 1,453 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 351 |
| Cost of funding earning assets | 1.0546% | 485 |
| Net interest margin | 4.1178% | 755 |
| Noninterest income to average assets | 1.1284% | 838 |
| Noninterest expense to average assets | 2.9830% | 1,468 |
| Loan and lease loss provision to assets | 0.1742% | 2,209 |
| Net operating income to assets | 1.3026% | 1,241 |
| Return on assets (ROA) | 1.3032% | 1,337 |
| Pretax return on assets | 1.7474% | 772 |
| Return on Equity (ROE) | 15.0475% | 640 |
| Retained earnings to average equity (ytd only) | 10.7379% | 464 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8313% | 3,345 |
| Assets per employee ($millions) | 5.4329% | 2,914 |
| Cash dividends to net income (ytd only)* | 28.6396% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,993 |
| Loan loss allowance to noncurrent loans | 168.6734% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 1,323 |
| Noncurrent loans to loans | 0.7062% | 1,933 |
| Net loans and leases to total assets | 77.6502% | 632 |
| Net loans and leases to deposits | 85.9077% | 1,263 |
| Net loans and leases to core deposits | 89.2646% | 1,584 |
| Total domestic deposits to total assets | 90.3880% | 420 |
| Equity capital to assets | 8.8754% | 4,168 |
| Core capital (leverage) ratio | 8.6668% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7055% | 2,363 |
| Memoranda: | ||
| Average total assets | $482,269,600 | 1,599 |
| Average earning assets | $442,156,600 | 1,618 |
| Average equity | $41,767,800 | 1,954 |
| Average total loans | $399,639,200 | 1,357 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 289 |
| Cost of funding earning assets | 1.1827% | 395 |
| Net interest margin | 4.1954% | 741 |
| Noninterest income to average assets | 0.8909% | 1,254 |
| Noninterest expense to average assets | 2.9421% | 1,581 |
| Loan and lease loss provision to assets | 0.1758% | 2,223 |
| Net operating income to assets | 1.1884% | 1,677 |
| Return on assets (ROA) | 1.1888% | 1,798 |
| Pretax return on assets | 1.6227% | 1,119 |
| Return on Equity (ROE) | 13.8164% | 912 |
| Retained earnings to average equity (ytd only) | 11.0602% | 562 |
| Net charge-offs to loans | 0.0010% | 3,200 |
| Credit loss provision to net charge-offs | 21,000.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 2,148.0000% | 46 |
| Efficiency ratio | 62.0696% | 3,066 |
| Assets per employee ($millions) | 5.5295% | 2,683 |
| Cash dividends to net income (ytd only)* | 19.9484% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,382 |
| Loan loss allowance to noncurrent loans | 402.3423% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 2,368 |
| Noncurrent loans to loans | 0.2649% | 3,341 |
| Net loans and leases to total assets | 83.2939% | 336 |
| Net loans and leases to deposits | 96.4897% | 727 |
| Net loans and leases to core deposits | 100.7670% | 1,106 |
| Total domestic deposits to total assets | 86.3242% | 1,928 |
| Equity capital to assets | 8.6956% | 4,336 |
| Core capital (leverage) ratio | 8.5837% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7849% | 2,689 |
| Memoranda: | ||
| Average total assets | $477,879,250 | 1,592 |
| Average earning assets | $438,436,250 | 1,609 |
| Average equity | $41,119,250 | 1,968 |
| Average total loans | $401,349,250 | 1,340 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 317 |
| Cost of funding earning assets | 1.3177% | 336 |
| Net interest margin | 4.2217% | 880 |
| Noninterest income to average assets | 1.0019% | 981 |
| Noninterest expense to average assets | 2.9808% | 1,631 |
| Loan and lease loss provision to assets | 0.1591% | 2,408 |
| Net operating income to assets | 1.3000% | 1,359 |
| Return on assets (ROA) | 1.3007% | 1,466 |
| Pretax return on assets | 1.7378% | 915 |
| Return on Equity (ROE) | 15.1729% | 686 |
| Retained earnings to average equity (ytd only) | 10.9651% | 608 |
| Net charge-offs to loans | 0.0046% | 2,818 |
| Credit loss provision to net charge-offs | 4,166.6667% | 270 |
| Earnings coverage of net charge-offs (x) | 496.4444% | 205 |
| Efficiency ratio | 61.1208% | 3,259 |
| Assets per employee ($millions) | 5.4562% | 2,684 |
| Cash dividends to net income (ytd only)* | 27.7325% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,488 |
| Loan loss allowance to noncurrent loans | 385.4262% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,451 |
| Noncurrent loans to loans | 0.2640% | 3,438 |
| Net loans and leases to total assets | 84.2270% | 235 |
| Net loans and leases to deposits | 93.0977% | 1,041 |
| Net loans and leases to core deposits | 98.0324% | 1,408 |
| Total domestic deposits to total assets | 90.4716% | 280 |
| Equity capital to assets | 8.6532% | 4,388 |
| Core capital (leverage) ratio | 8.4294% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9319% | 2,986 |
| Memoranda: | ||
| Average total assets | $471,288,333 | 1,580 |
| Average earning assets | $432,570,333 | 1,606 |
| Average equity | $40,401,000 | 1,980 |
| Average total loans | $395,472,333 | 1,340 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2772% | 575 |
| Cost of funding earning assets | 1.4466% | 328 |
| Net interest margin | 3.8306% | 1,871 |
| Noninterest income to average assets | 1.1126% | 697 |
| Noninterest expense to average assets | 3.0974% | 1,645 |
| Loan and lease loss provision to assets | 0.0517% | 3,131 |
| Net operating income to assets | 1.0656% | 1,946 |
| Return on assets (ROA) | 1.0669% | 2,048 |
| Pretax return on assets | 1.4729% | 1,377 |
| Return on Equity (ROE) | 12.5077% | 984 |
| Retained earnings to average equity (ytd only) | 8.7190% | 1,043 |
| Net charge-offs to loans | -0.0021% | 3,657 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0397% | 2,811 |
| Assets per employee ($millions) | 5.1785% | 2,453 |
| Cash dividends to net income (ytd only)* | 30.2908% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,635 |
| Loan loss allowance to noncurrent loans | 294.1931% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 1,705 |
| Noncurrent loans to loans | 0.3445% | 3,257 |
| Net loans and leases to total assets | 81.7539% | 461 |
| Net loans and leases to deposits | 90.6443% | 1,438 |
| Net loans and leases to core deposits | 95.9191% | 1,795 |
| Total domestic deposits to total assets | 90.1920% | 271 |
| Equity capital to assets | 8.5359% | 4,814 |
| Core capital (leverage) ratio | 8.5037% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5810% | 2,900 |
| Memoranda: | ||
| Average total assets | $464,131,500 | 1,554 |
| Average earning assets | $425,000,500 | 1,577 |
| Average equity | $39,591,500 | 1,997 |
| Average total loans | $386,602,000 | 1,333 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 669 |
| Cost of funding earning assets | 1.4900% | 410 |
| Net interest margin | 3.9077% | 2,149 |
| Noninterest income to average assets | 0.9366% | 1,105 |
| Noninterest expense to average assets | 3.3388% | 1,230 |
| Loan and lease loss provision to assets | 0.0751% | 2,491 |
| Net operating income to assets | 0.7992% | 3,559 |
| Return on assets (ROA) | 0.7992% | 3,647 |
| Pretax return on assets | 1.0866% | 3,213 |
| Return on Equity (ROE) | 9.2469% | 2,643 |
| Retained earnings to average equity (ytd only) | 5.9784% | 1,881 |
| Net charge-offs to loans | 0.0062% | 3,453 |
| Credit loss provision to net charge-offs | 1,447.8261% | 244 |
| Earnings coverage of net charge-offs (x) | 223.8696% | 365 |
| Efficiency ratio | 74.1866% | 1,585 |
| Assets per employee ($millions) | 4.4873% | 3,240 |
| Cash dividends to net income (ytd only)* | 35.3473% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,528 |
| Loan loss allowance to noncurrent loans | 309.0112% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 1,606 |
| Noncurrent loans to loans | 0.3230% | 3,285 |
| Net loans and leases to total assets | 83.1682% | 407 |
| Net loans and leases to deposits | 94.4172% | 1,119 |
| Net loans and leases to core deposits | 100.5438% | 1,519 |
| Total domestic deposits to total assets | 88.0858% | 1,091 |
| Equity capital to assets | 8.5245% | 4,902 |
| Core capital (leverage) ratio | 8.5248% | 4,834 |
| Tier 1 risk-based capital ratio | 11.1930% | 4,776 |
| Total risk-based capital ratio | 12.3136% | 4,729 |
| Memoranda: | ||
| Average total assets | $443,215,400 | 1,587 |
| Average earning assets | $404,225,200 | 1,609 |
| Average equity | $38,304,800 | 1,999 |
| Average total loans | $371,031,200 | 1,354 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 706 |
| Cost of funding earning assets | 1.4866% | 426 |
| Net interest margin | 3.9083% | 2,221 |
| Noninterest income to average assets | 0.9539% | 1,035 |
| Noninterest expense to average assets | 3.3583% | 1,161 |
| Loan and lease loss provision to assets | 0.0739% | 2,411 |
| Net operating income to assets | 0.8137% | 3,631 |
| Return on assets (ROA) | 0.8137% | 3,712 |
| Pretax return on assets | 1.0801% | 3,350 |
| Return on Equity (ROE) | 9.3816% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.1870% | 1,766 |
| Net charge-offs to loans | 0.0262% | 2,569 |
| Credit loss provision to net charge-offs | 337.5000% | 878 |
| Earnings coverage of net charge-offs (x) | 52.7070% | 1,146 |
| Efficiency ratio | 74.4255% | 1,505 |
| Assets per employee ($millions) | 4.1590% | 3,682 |
| Cash dividends to net income (ytd only)* | 23.3932% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,634 |
| Loan loss allowance to noncurrent loans | 295.5696% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 1,309 |
| Noncurrent loans to loans | 0.3345% | 3,336 |
| Net loans and leases to total assets | 83.2965% | 418 |
| Net loans and leases to deposits | 94.5765% | 1,164 |
| Net loans and leases to core deposits | 108.3484% | 1,029 |
| Total domestic deposits to total assets | 88.0731% | 1,009 |
| Equity capital to assets | 8.7206% | 4,915 |
| Core capital (leverage) ratio | 8.4611% | 4,960 |
| Tier 1 risk-based capital ratio | 11.2724% | 4,778 |
| Total risk-based capital ratio | 12.3672% | 4,749 |
| Memoranda: | ||
| Average total assets | $438,470,250 | 1,607 |
| Average earning assets | $399,209,500 | 1,632 |
| Average equity | $38,031,000 | 2,024 |
| Average total loans | $366,720,250 | 1,375 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3230% | 776 |
| Cost of funding earning assets | 1.4357% | 474 |
| Net interest margin | 3.8873% | 2,279 |
| Noninterest income to average assets | 0.8788% | 1,126 |
| Noninterest expense to average assets | 3.3755% | 1,144 |
| Loan and lease loss provision to assets | 0.0418% | 2,978 |
| Net operating income to assets | 0.7776% | 3,725 |
| Return on assets (ROA) | 0.7776% | 3,792 |
| Pretax return on assets | 1.0039% | 3,529 |
| Return on Equity (ROE) | 8.9824% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.3198% | 1,681 |
| Net charge-offs to loans | 0.0132% | 2,662 |
| Credit loss provision to net charge-offs | 379.1667% | 751 |
| Earnings coverage of net charge-offs (x) | 94.7500% | 725 |
| Efficiency ratio | 76.3470% | 1,350 |
| Assets per employee ($millions) | 4.2220% | 3,544 |
| Cash dividends to net income (ytd only)* | 18.5098% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 3,790 |
| Loan loss allowance to noncurrent loans | 258.7607% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 1,287 |
| Noncurrent loans to loans | 0.3741% | 3,186 |
| Net loans and leases to total assets | 83.0489% | 470 |
| Net loans and leases to deposits | 97.7536% | 868 |
| Net loans and leases to core deposits | 112.0780% | 863 |
| Total domestic deposits to total assets | 84.9574% | 2,493 |
| Equity capital to assets | 8.5937% | 5,006 |
| Core capital (leverage) ratio | 8.5995% | 4,911 |
| Tier 1 risk-based capital ratio | 11.0655% | 4,881 |
| Total risk-based capital ratio | 12.1291% | 4,877 |
| Memoranda: | ||
| Average total assets | $434,904,330 | 1,617 |
| Average earning assets | $396,319,670 | 1,645 |
| Average equity | $37,651,330 | 2,035 |
| Average total loans | $363,001,330 | 1,390 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 833 |
| Cost of funding earning assets | 1.3657% | 517 |
| Net interest margin | 3.8784% | 2,254 |
| Noninterest income to average assets | 0.8400% | 1,190 |
| Noninterest expense to average assets | 3.3356% | 1,215 |
| Loan and lease loss provision to assets | 0.0205% | 3,172 |
| Net operating income to assets | 0.7429% | 3,794 |
| Return on assets (ROA) | 0.7429% | 3,845 |
| Pretax return on assets | 1.0089% | 3,413 |
| Return on Equity (ROE) | 8.5483% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.5483% | 1,471 |
| Net charge-offs to loans | -0.0090% | 4,191 |
| Credit loss provision to net charge-offs | -275.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4165% | 1,454 |
| Assets per employee ($millions) | 4.1587% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,710 |
| Loan loss allowance to noncurrent loans | 269.9700% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 1,091 |
| Noncurrent loans to loans | 0.3703% | 3,260 |
| Net loans and leases to total assets | 82.3405% | 550 |
| Net loans and leases to deposits | 98.6900% | 728 |
| Net loans and leases to core deposits | 112.3784% | 815 |
| Total domestic deposits to total assets | 83.4334% | 3,245 |
| Equity capital to assets | 8.7176% | 4,868 |
| Core capital (leverage) ratio | 8.6629% | 4,902 |
| Tier 1 risk-based capital ratio | 11.3045% | 4,838 |
| Total risk-based capital ratio | 12.3969% | 4,825 |
| Memoranda: | ||
| Average total assets | $428,589,000 | 1,642 |
| Average earning assets | $389,540,500 | 1,685 |
| Average equity | $37,247,000 | 2,045 |
| Average total loans | $356,849,000 | 1,415 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 736 |
| Cost of funding earning assets | 1.1357% | 443 |
| Net interest margin | 4.0354% | 1,866 |
| Noninterest income to average assets | 0.9910% | 960 |
| Noninterest expense to average assets | 3.5602% | 918 |
| Loan and lease loss provision to assets | 0.1080% | 2,038 |
| Net operating income to assets | 0.7194% | 4,082 |
| Return on assets (ROA) | 0.7194% | 4,087 |
| Pretax return on assets | 0.9885% | 3,644 |
| Return on Equity (ROE) | 8.4623% | 3,234 |
| Retained earnings to average equity (ytd only) | 5.2580% | 2,621 |
| Net charge-offs to loans | 0.0500% | 2,437 |
| Credit loss provision to net charge-offs | 256.4706% | 1,167 |
| Earnings coverage of net charge-offs (x) | 26.0471% | 1,743 |
| Efficiency ratio | 76.4531% | 1,298 |
| Assets per employee ($millions) | 4.0834% | 3,771 |
| Cash dividends to net income (ytd only)* | 37.8657% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,633 |
| Loan loss allowance to noncurrent loans | 240.4585% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2190% | 1,071 |
| Noncurrent loans to loans | 0.4190% | 3,035 |
| Net loans and leases to total assets | 82.5127% | 587 |
| Net loans and leases to deposits | 98.0769% | 896 |
| Net loans and leases to core deposits | 111.7906% | 894 |
| Total domestic deposits to total assets | 84.1307% | 2,960 |
| Equity capital to assets | 8.6631% | 4,834 |
| Core capital (leverage) ratio | 8.5690% | 4,977 |
| Tier 1 risk-based capital ratio | 11.2588% | 4,831 |
| Total risk-based capital ratio | 12.3613% | 4,818 |
| Memoranda: | ||
| Average total assets | $403,825,200 | 1,700 |
| Average earning assets | $366,827,000 | 1,738 |
| Average equity | $34,328,600 | 2,100 |
| Average total loans | $339,854,600 | 1,440 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 751 |
| Cost of funding earning assets | 1.0414% | 497 |
| Net interest margin | 4.0631% | 1,748 |
| Noninterest income to average assets | 1.0352% | 892 |
| Noninterest expense to average assets | 3.6128% | 842 |
| Loan and lease loss provision to assets | 0.0572% | 2,834 |
| Net operating income to assets | 0.7563% | 4,056 |
| Return on assets (ROA) | 0.7563% | 4,065 |
| Pretax return on assets | 1.0573% | 3,547 |
| Return on Equity (ROE) | 8.9419% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.6791% | 2,835 |
| Net charge-offs to loans | 0.0456% | 2,183 |
| Credit loss provision to net charge-offs | 148.6957% | 1,725 |
| Earnings coverage of net charge-offs (x) | 28.9738% | 1,645 |
| Efficiency ratio | 76.4240% | 1,298 |
| Assets per employee ($millions) | 3.9972% | 3,891 |
| Cash dividends to net income (ytd only)* | 36.4882% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,015 |
| Loan loss allowance to noncurrent loans | 169.2385% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 944 |
| Noncurrent loans to loans | 0.5667% | 2,679 |
| Net loans and leases to total assets | 82.5763% | 621 |
| Net loans and leases to deposits | 97.2476% | 1,022 |
| Net loans and leases to core deposits | 111.0177% | 972 |
| Total domestic deposits to total assets | 84.9134% | 2,636 |
| Equity capital to assets | 8.6328% | 4,845 |
| Core capital (leverage) ratio | 8.6588% | 4,996 |
| Tier 1 risk-based capital ratio | 11.3106% | 4,892 |
| Total risk-based capital ratio | 12.3635% | 4,882 |
| Memoranda: | ||
| Average total assets | $398,612,750 | 1,721 |
| Average earning assets | $362,208,250 | 1,768 |
| Average equity | $33,713,250 | 2,131 |
| Average total loans | $336,324,000 | 1,458 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 716 |
| Cost of funding earning assets | 0.9515% | 582 |
| Net interest margin | 4.1098% | 1,525 |
| Noninterest income to average assets | 1.1247% | 759 |
| Noninterest expense to average assets | 3.6902% | 768 |
| Loan and lease loss provision to assets | 0.0567% | 2,779 |
| Net operating income to assets | 0.7901% | 3,887 |
| Return on assets (ROA) | 0.7901% | 3,888 |
| Pretax return on assets | 1.1083% | 3,282 |
| Return on Equity (ROE) | 9.4118% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.0656% | 2,522 |
| Net charge-offs to loans | 0.0464% | 1,950 |
| Credit loss provision to net charge-offs | 144.1558% | 1,616 |
| Earnings coverage of net charge-offs (x) | 29.6234% | 1,516 |
| Efficiency ratio | 76.0046% | 1,426 |
| Assets per employee ($millions) | 3.8130% | 4,191 |
| Cash dividends to net income (ytd only)* | 35.5527% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,874 |
| Loan loss allowance to noncurrent loans | 136.8637% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 823 |
| Noncurrent loans to loans | 0.7272% | 2,293 |
| Net loans and leases to total assets | 82.0522% | 703 |
| Net loans and leases to deposits | 91.5607% | 1,637 |
| Net loans and leases to core deposits | 105.0136% | 1,313 |
| Total domestic deposits to total assets | 89.6151% | 702 |
| Equity capital to assets | 8.8848% | 4,658 |
| Core capital (leverage) ratio | 8.9238% | 4,751 |
| Tier 1 risk-based capital ratio | 11.6013% | 4,743 |
| Total risk-based capital ratio | 12.6876% | 4,721 |
| Memoranda: | ||
| Average total assets | $391,582,670 | 1,760 |
| Average earning assets | $355,439,330 | 1,800 |
| Average equity | $32,873,670 | 2,175 |
| Average total loans | $331,788,330 | 1,474 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 598 |
| Cost of funding earning assets | 0.8766% | 672 |
| Net interest margin | 4.2133% | 1,150 |
| Noninterest income to average assets | 1.2500% | 594 |
| Noninterest expense to average assets | 3.6876% | 776 |
| Loan and lease loss provision to assets | 0.0664% | 2,443 |
| Net operating income to assets | 0.9416% | 3,104 |
| Return on assets (ROA) | 0.9416% | 3,118 |
| Pretax return on assets | 1.3081% | 2,335 |
| Return on Equity (ROE) | 11.5705% | 1,733 |
| Retained earnings to average equity (ytd only) | 8.0624% | 1,812 |
| Net charge-offs to loans | 0.0666% | 1,444 |
| Credit loss provision to net charge-offs | 116.3636% | 1,409 |
| Earnings coverage of net charge-offs (x) | 24.0727% | 1,368 |
| Efficiency ratio | 72.8466% | 2,065 |
| Assets per employee ($millions) | 3.6876% | 4,431 |
| Cash dividends to net income (ytd only)* | 30.3197% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,957 |
| Loan loss allowance to noncurrent loans | 150.5460% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7205% | 736 |
| Noncurrent loans to loans | 0.6643% | 2,559 |
| Net loans and leases to total assets | 83.8024% | 454 |
| Net loans and leases to deposits | 92.9554% | 1,339 |
| Net loans and leases to core deposits | 107.0483% | 1,175 |
| Total domestic deposits to total assets | 90.1534% | 601 |
| Equity capital to assets | 8.0883% | 5,234 |
| Core capital (leverage) ratio | 8.1007% | 5,361 |
| Tier 1 risk-based capital ratio | 10.1890% | 5,451 |
| Total risk-based capital ratio | 11.2681% | 5,439 |
| Memoranda: | ||
| Average total assets | $385,287,500 | 1,798 |
| Average earning assets | $348,609,500 | 1,837 |
| Average equity | $31,355,500 | 2,282 |
| Average total loans | $330,199,000 | 1,488 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 812 |
| Cost of funding earning assets | 0.7490% | 824 |
| Net interest margin | 4.1414% | 1,321 |
| Noninterest income to average assets | 0.8510% | 1,404 |
| Noninterest expense to average assets | 3.6968% | 795 |
| Loan and lease loss provision to assets | 0.0848% | 2,508 |
| Net operating income to assets | 0.5423% | 4,253 |
| Return on assets (ROA) | 0.5423% | 4,285 |
| Pretax return on assets | 0.8025% | 4,231 |
| Return on Equity (ROE) | 6.5853% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.2689% | 1,957 |
| Net charge-offs to loans | 0.0216% | 3,383 |
| Credit loss provision to net charge-offs | 460.2941% | 684 |
| Earnings coverage of net charge-offs (x) | 48.1471% | 1,118 |
| Efficiency ratio | 80.6433% | 1,049 |
| Assets per employee ($millions) | 3.6161% | 4,545 |
| Cash dividends to net income (ytd only)* | 19.9900% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,933 |
| Loan loss allowance to noncurrent loans | 63.5838% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 585 |
| Noncurrent loans to loans | 1.5750% | 1,067 |
| Net loans and leases to total assets | 85.9169% | 260 |
| Net loans and leases to deposits | 98.3138% | 879 |
| Net loans and leases to core deposits | 114.6996% | 770 |
| Total domestic deposits to total assets | 87.3905% | 1,821 |
| Equity capital to assets | 8.1896% | 5,310 |
| Core capital (leverage) ratio | 8.1583% | 5,374 |
| Tier 1 risk-based capital ratio | 10.3808% | 5,412 |
| Total risk-based capital ratio | 11.4999% | 5,388 |
| Memoranda: | ||
| Average total assets | $368,968,000 | 1,836 |
| Average earning assets | $332,591,800 | 1,880 |
| Average equity | $30,386,000 | 2,330 |
| Average total loans | $315,164,200 | 1,502 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 806 |
| Cost of funding earning assets | 0.7302% | 844 |
| Net interest margin | 4.1403% | 1,296 |
| Noninterest income to average assets | 0.9457% | 1,152 |
| Noninterest expense to average assets | 3.6848% | 785 |
| Loan and lease loss provision to assets | 0.0575% | 2,935 |
| Net operating income to assets | 0.6050% | 4,373 |
| Return on assets (ROA) | 0.6050% | 4,415 |
| Pretax return on assets | 0.9286% | 3,937 |
| Return on Equity (ROE) | 7.3354% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.4527% | 1,983 |
| Net charge-offs to loans | 0.0175% | 3,151 |
| Credit loss provision to net charge-offs | 385.3659% | 797 |
| Earnings coverage of net charge-offs (x) | 66.0675% | 938 |
| Efficiency ratio | 78.8887% | 1,226 |
| Assets per employee ($millions) | 3.5366% | 4,676 |
| Cash dividends to net income (ytd only)* | 12.0337% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,051 |
| Loan loss allowance to noncurrent loans | 77.8978% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 2.3022% | 505 |
| Noncurrent loans to loans | 1.2846% | 1,488 |
| Net loans and leases to total assets | 84.5113% | 384 |
| Net loans and leases to deposits | 97.4799% | 969 |
| Net loans and leases to core deposits | 113.0066% | 889 |
| Total domestic deposits to total assets | 86.6961% | 1,995 |
| Equity capital to assets | 8.3519% | 5,369 |
| Core capital (leverage) ratio | 8.2588% | 5,392 |
| Tier 1 risk-based capital ratio | 10.5018% | 5,450 |
| Total risk-based capital ratio | 11.5949% | 5,440 |
| Memoranda: | ||
| Average total assets | $366,287,750 | 1,859 |
| Average earning assets | $329,565,000 | 1,908 |
| Average equity | $30,208,750 | 2,362 |
| Average total loans | $311,576,000 | 1,526 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 779 |
| Cost of funding earning assets | 0.7085% | 856 |
| Net interest margin | 4.1381% | 1,226 |
| Noninterest income to average assets | 0.9885% | 1,044 |
| Noninterest expense to average assets | 3.7005% | 772 |
| Loan and lease loss provision to assets | 0.0812% | 2,364 |
| Net operating income to assets | 0.6220% | 4,199 |
| Return on assets (ROA) | 0.6220% | 4,247 |
| Pretax return on assets | 0.9331% | 3,815 |
| Return on Equity (ROE) | 7.5751% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.2391% | 1,998 |
| Net charge-offs to loans | 0.0239% | 2,740 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 49.9730% | 1,076 |
| Efficiency ratio | 78.4875% | 1,394 |
| Assets per employee ($millions) | 3.4780% | 4,752 |
| Cash dividends to net income (ytd only)* | 17.6367% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,105 |
| Loan loss allowance to noncurrent loans | 102.1950% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.1424% | 568 |
| Noncurrent loans to loans | 0.9843% | 1,996 |
| Net loans and leases to total assets | 85.3173% | 321 |
| Net loans and leases to deposits | 97.2869% | 962 |
| Net loans and leases to core deposits | 109.8860% | 1,009 |
| Total domestic deposits to total assets | 87.6966% | 1,617 |
| Equity capital to assets | 8.3490% | 5,384 |
| Core capital (leverage) ratio | 8.1095% | 5,481 |
| Tier 1 risk-based capital ratio | 9.8642% | 5,661 |
| Total risk-based capital ratio | 10.9071% | 5,664 |
| Memoranda: | ||
| Average total assets | $364,603,330 | 1,866 |
| Average earning assets | $328,316,670 | 1,914 |
| Average equity | $29,940,330 | 2,373 |
| Average total loans | $309,769,000 | 1,529 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 762 |
| Cost of funding earning assets | 0.6884% | 885 |
| Net interest margin | 4.1011% | 1,214 |
| Noninterest income to average assets | 0.9135% | 1,199 |
| Noninterest expense to average assets | 3.7013% | 779 |
| Loan and lease loss provision to assets | 0.0933% | 1,979 |
| Net operating income to assets | 0.5325% | 4,454 |
| Return on assets (ROA) | 0.5325% | 4,496 |
| Pretax return on assets | 0.8147% | 4,063 |
| Return on Equity (ROE) | 6.5396% | 3,641 |
| Retained earnings to average equity (ytd only) | 3.8428% | 3,535 |
| Net charge-offs to loans | 0.0091% | 2,656 |
| Credit loss provision to net charge-offs | 1,214.2857% | 265 |
| Earnings coverage of net charge-offs (x) | 118.1429% | 462 |
| Efficiency ratio | 80.3001% | 1,349 |
| Assets per employee ($millions) | 3.5233% | 4,759 |
| Cash dividends to net income (ytd only)* | 41.2371% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,257 |
| Loan loss allowance to noncurrent loans | 157.7543% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 631 |
| Noncurrent loans to loans | 0.6361% | 2,922 |
| Net loans and leases to total assets | 83.5473% | 411 |
| Net loans and leases to deposits | 95.3606% | 979 |
| Net loans and leases to core deposits | 110.9182% | 836 |
| Total domestic deposits to total assets | 87.6119% | 1,936 |
| Equity capital to assets | 8.0615% | 5,495 |
| Core capital (leverage) ratio | 8.1149% | 5,502 |
| Tier 1 risk-based capital ratio | 9.9455% | 5,709 |
| Total risk-based capital ratio | 11.0091% | 5,729 |
| Memoranda: | ||
| Average total assets | $364,309,000 | 1,879 |
| Average earning assets | $328,298,500 | 1,919 |
| Average equity | $29,665,500 | 2,407 |
| Average total loans | $307,284,500 | 1,546 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 980 |
| Cost of funding earning assets | 0.6588% | 1,012 |
| Net interest margin | 4.0827% | 1,424 |
| Noninterest income to average assets | 1.0099% | 1,115 |
| Noninterest expense to average assets | 3.6765% | 909 |
| Loan and lease loss provision to assets | 0.1629% | 1,517 |
| Net operating income to assets | 0.5716% | 4,341 |
| Return on assets (ROA) | 0.5718% | 4,442 |
| Pretax return on assets | 0.8533% | 3,997 |
| Return on Equity (ROE) | 7.0072% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.3117% | 1,559 |
| Net charge-offs to loans | 0.1259% | 1,988 |
| Credit loss provision to net charge-offs | 154.7170% | 1,772 |
| Earnings coverage of net charge-offs (x) | 9.6496% | 2,731 |
| Efficiency ratio | 78.3503% | 1,645 |
| Assets per employee ($millions) | 3.5164% | 4,739 |
| Cash dividends to net income (ytd only)* | 9.9256% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,250 |
| Loan loss allowance to noncurrent loans | 102.5856% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1348% | 622 |
| Noncurrent loans to loans | 0.9849% | 2,124 |
| Net loans and leases to total assets | 83.4470% | 438 |
| Net loans and leases to deposits | 92.7556% | 1,335 |
| Net loans and leases to core deposits | 108.6029% | 986 |
| Total domestic deposits to total assets | 89.9644% | 643 |
| Equity capital to assets | 8.2270% | 5,456 |
| Core capital (leverage) ratio | 8.1405% | 5,539 |
| Tier 1 risk-based capital ratio | 10.1549% | 5,696 |
| Total risk-based capital ratio | 11.2243% | 5,703 |
| Memoranda: | ||
| Average total assets | $352,398,600 | 1,892 |
| Average earning assets | $317,856,000 | 1,929 |
| Average equity | $28,756,000 | 2,471 |
| Average total loans | $294,755,200 | 1,544 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 1,012 |
| Cost of funding earning assets | 0.6425% | 1,086 |
| Net interest margin | 4.0875% | 1,414 |
| Noninterest income to average assets | 1.0132% | 1,120 |
| Noninterest expense to average assets | 3.6674% | 899 |
| Loan and lease loss provision to assets | 0.2048% | 1,030 |
| Net operating income to assets | 0.5484% | 4,503 |
| Return on assets (ROA) | 0.5484% | 4,609 |
| Pretax return on assets | 0.8304% | 4,215 |
| Return on Equity (ROE) | 6.7346% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.7346% | 1,763 |
| Net charge-offs to loans | 0.1685% | 1,359 |
| Credit loss provision to net charge-offs | 145.6757% | 1,806 |
| Earnings coverage of net charge-offs (x) | 7.3622% | 2,882 |
| Efficiency ratio | 77.9861% | 1,692 |
| Assets per employee ($millions) | 3.7258% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 4,355 |
| Loan loss allowance to noncurrent loans | 93.2120% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.0724% | 743 |
| Noncurrent loans to loans | 1.0816% | 2,091 |
| Net loans and leases to total assets | 81.2415% | 726 |
| Net loans and leases to deposits | 94.4327% | 1,219 |
| Net loans and leases to core deposits | 109.8600% | 927 |
| Total domestic deposits to total assets | 86.0311% | 2,333 |
| Equity capital to assets | 8.0079% | 5,734 |
| Core capital (leverage) ratio | 8.1070% | 5,638 |
| Tier 1 risk-based capital ratio | 10.2001% | 5,737 |
| Total risk-based capital ratio | 11.2761% | 5,740 |
| Memoranda: | ||
| Average total assets | $350,830,000 | 1,904 |
| Average earning assets | $316,663,750 | 1,941 |
| Average equity | $28,568,000 | 2,490 |
| Average total loans | $292,854,750 | 1,553 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 937 |
| Cost of funding earning assets | 0.6463% | 1,066 |
| Net interest margin | 4.1225% | 1,315 |
| Noninterest income to average assets | 0.9466% | 1,248 |
| Noninterest expense to average assets | 3.6589% | 936 |
| Loan and lease loss provision to assets | 0.0826% | 2,483 |
| Net operating income to assets | 0.6161% | 4,206 |
| Return on assets (ROA) | 0.6161% | 4,330 |
| Pretax return on assets | 0.9212% | 3,871 |
| Return on Equity (ROE) | 7.5218% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.5218% | 1,371 |
| Net charge-offs to loans | 0.0041% | 3,561 |
| Credit loss provision to net charge-offs | 2,383.3333% | 184 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 238 |
| Efficiency ratio | 78.4705% | 1,718 |
| Assets per employee ($millions) | 3.5338% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,462 |
| Loan loss allowance to noncurrent loans | 86.6377% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.3730% | 618 |
| Noncurrent loans to loans | 1.1656% | 1,967 |
| Net loans and leases to total assets | 83.7469% | 440 |
| Net loans and leases to deposits | 96.6131% | 1,018 |
| Net loans and leases to core deposits | 112.5934% | 787 |
| Total domestic deposits to total assets | 86.6827% | 2,067 |
| Equity capital to assets | 8.2485% | 5,714 |
| Core capital (leverage) ratio | 8.2291% | 5,587 |
| Tier 1 risk-based capital ratio | 10.2116% | 5,788 |
| Total risk-based capital ratio | 11.2915% | 5,787 |
| Memoranda: | ||
| Average total assets | $346,064,670 | 1,925 |
| Average earning assets | $311,946,670 | 1,979 |
| Average equity | $28,344,330 | 2,507 |
| Average total loans | $290,588,000 | 1,569 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 801 |
| Cost of funding earning assets | 0.6500% | 1,052 |
| Net interest margin | 4.1786% | 1,148 |
| Noninterest income to average assets | 1.0251% | 1,023 |
| Noninterest expense to average assets | 3.6156% | 998 |
| Loan and lease loss provision to assets | 0.0790% | 2,384 |
| Net operating income to assets | 0.7426% | 3,522 |
| Return on assets (ROA) | 0.7426% | 3,629 |
| Pretax return on assets | 1.0960% | 3,109 |
| Return on Equity (ROE) | 9.1000% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.1000% | 1,089 |
| Net charge-offs to loans | 0.0014% | 3,071 |
| Credit loss provision to net charge-offs | 6,800.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,011.0000% | 45 |
| Efficiency ratio | 75.4731% | 2,258 |
| Assets per employee ($millions) | 3.5073% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,598 |
| Loan loss allowance to noncurrent loans | 102.2059% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 2.2612% | 711 |
| Noncurrent loans to loans | 0.9811% | 2,422 |
| Net loans and leases to total assets | 83.8433% | 387 |
| Net loans and leases to deposits | 94.9970% | 1,045 |
| Net loans and leases to core deposits | 110.9326% | 809 |
| Total domestic deposits to total assets | 88.2589% | 1,499 |
| Equity capital to assets | 8.2676% | 5,712 |
| Core capital (leverage) ratio | 8.0802% | 5,734 |
| Tier 1 risk-based capital ratio | 10.2477% | 5,848 |
| Total risk-based capital ratio | 11.3223% | 5,832 |
| Memoranda: | ||
| Average total assets | $344,173,500 | 1,947 |
| Average earning assets | $310,150,500 | 1,996 |
| Average equity | $28,088,000 | 2,524 |
| Average total loans | $287,894,500 | 1,576 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 994 |
| Cost of funding earning assets | 0.6639% | 994 |
| Net interest margin | 4.0945% | 1,423 |
| Noninterest income to average assets | 0.8513% | 1,603 |
| Noninterest expense to average assets | 3.6894% | 994 |
| Loan and lease loss provision to assets | 0.0779% | 2,726 |
| Net operating income to assets | 0.5135% | 4,643 |
| Return on assets (ROA) | 0.5135% | 4,726 |
| Pretax return on assets | 0.7513% | 4,357 |
| Return on Equity (ROE) | 6.2246% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.9375% | 3,237 |
| Net charge-offs to loans | 0.0256% | 3,722 |
| Credit loss provision to net charge-offs | 373.9130% | 800 |
| Earnings coverage of net charge-offs (x) | 39.8116% | 1,186 |
| Efficiency ratio | 81.6487% | 1,451 |
| Assets per employee ($millions) | 3.3787% | 5,021 |
| Cash dividends to net income (ytd only)* | 36.7431% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,604 |
| Loan loss allowance to noncurrent loans | 124.2160% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 2.1623% | 788 |
| Noncurrent loans to loans | 0.8065% | 2,766 |
| Net loans and leases to total assets | 81.7788% | 618 |
| Net loans and leases to deposits | 93.1464% | 1,296 |
| Net loans and leases to core deposits | 108.0519% | 969 |
| Total domestic deposits to total assets | 87.7959% | 1,749 |
| Equity capital to assets | 8.0547% | 5,832 |
| Core capital (leverage) ratio | 8.0530% | 5,805 |
| Tier 1 risk-based capital ratio | 10.1912% | 5,897 |
| Total risk-based capital ratio | 11.2599% | 5,899 |
| Memoranda: | ||
| Average total assets | $331,273,200 | 1,984 |
| Average earning assets | $296,716,800 | 2,037 |
| Average equity | $27,327,000 | 2,516 |
| Average total loans | $269,154,800 | 1,623 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 987 |
| Cost of funding earning assets | 0.6661% | 996 |
| Net interest margin | 4.1002% | 1,409 |
| Noninterest income to average assets | 0.8172% | 1,740 |
| Noninterest expense to average assets | 3.6376% | 1,060 |
| Loan and lease loss provision to assets | 0.0321% | 3,596 |
| Net operating income to assets | 0.5627% | 4,556 |
| Return on assets (ROA) | 0.5627% | 4,639 |
| Pretax return on assets | 0.8111% | 4,303 |
| Return on Equity (ROE) | 6.7794% | 3,739 |
| Retained earnings to average equity (ytd only) | 3.7179% | 3,827 |
| Net charge-offs to loans | 0.0181% | 3,587 |
| Credit loss provision to net charge-offs | 219.4444% | 1,242 |
| Earnings coverage of net charge-offs (x) | 57.6096% | 940 |
| Efficiency ratio | 81.1814% | 1,501 |
| Assets per employee ($millions) | 3.2536% | 5,208 |
| Cash dividends to net income (ytd only)* | 45.1588% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 4,741 |
| Loan loss allowance to noncurrent loans | 244.8869% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 1,015 |
| Noncurrent loans to loans | 0.4088% | 4,144 |
| Net loans and leases to total assets | 80.6424% | 732 |
| Net loans and leases to deposits | 89.5086% | 1,710 |
| Net loans and leases to core deposits | 103.5564% | 1,263 |
| Total domestic deposits to total assets | 90.0946% | 535 |
| Equity capital to assets | 8.2707% | 5,838 |
| Core capital (leverage) ratio | 8.1238% | 5,828 |
| Tier 1 risk-based capital ratio | 10.5223% | 5,873 |
| Total risk-based capital ratio | 11.5817% | 5,877 |
| Memoranda: | ||
| Average total assets | $327,933,750 | 2,016 |
| Average earning assets | $293,022,000 | 2,072 |
| Average equity | $27,219,000 | 2,542 |
| Average total loans | $265,271,750 | 1,655 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 984 |
| Cost of funding earning assets | 0.6616% | 1,038 |
| Net interest margin | 4.0898% | 1,380 |
| Noninterest income to average assets | 0.7636% | 1,932 |
| Noninterest expense to average assets | 3.6232% | 1,082 |
| Loan and lease loss provision to assets | 0.0153% | 3,817 |
| Net operating income to assets | 0.5407% | 4,601 |
| Return on assets (ROA) | 0.5407% | 4,710 |
| Pretax return on assets | 0.7740% | 4,408 |
| Return on Equity (ROE) | 6.5064% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.5064% | 1,940 |
| Net charge-offs to loans | 0.0212% | 3,248 |
| Credit loss provision to net charge-offs | 89.2857% | 2,208 |
| Earnings coverage of net charge-offs (x) | 46.0357% | 1,019 |
| Efficiency ratio | 82.1121% | 1,474 |
| Assets per employee ($millions) | 3.2039% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 4,838 |
| Loan loss allowance to noncurrent loans | 255.5235% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 2.2017% | 957 |
| Noncurrent loans to loans | 0.3939% | 4,301 |
| Net loans and leases to total assets | 80.0627% | 796 |
| Net loans and leases to deposits | 90.6605% | 1,515 |
| Net loans and leases to core deposits | 102.9625% | 1,269 |
| Total domestic deposits to total assets | 88.3104% | 1,492 |
| Equity capital to assets | 8.4289% | 5,741 |
| Core capital (leverage) ratio | 8.2768% | 5,729 |
| Tier 1 risk-based capital ratio | 10.7549% | 5,821 |
| Total risk-based capital ratio | 11.8144% | 5,842 |
| Memoranda: | ||
| Average total assets | $326,621,670 | 2,037 |
| Average earning assets | $291,410,330 | 2,099 |
| Average equity | $27,142,670 | 2,557 |
| Average total loans | $263,584,330 | 1,665 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 874 |
| Cost of funding earning assets | 0.6620% | 1,035 |
| Net interest margin | 4.1300% | 1,207 |
| Noninterest income to average assets | 0.7938% | 1,734 |
| Noninterest expense to average assets | 3.6308% | 1,098 |
| Loan and lease loss provision to assets | 0.0306% | 3,278 |
| Net operating income to assets | 0.5525% | 4,470 |
| Return on assets (ROA) | 0.5525% | 4,579 |
| Pretax return on assets | 0.8158% | 4,180 |
| Return on Equity (ROE) | 6.6960% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.6960% | 2,148 |
| Net charge-offs to loans | 0.0395% | 2,431 |
| Credit loss provision to net charge-offs | 96.1538% | 1,705 |
| Earnings coverage of net charge-offs (x) | 26.5769% | 1,238 |
| Efficiency ratio | 81.0944% | 1,748 |
| Assets per employee ($millions) | 3.3099% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 4,916 |
| Loan loss allowance to noncurrent loans | 253.7655% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 2.8748% | 679 |
| Noncurrent loans to loans | 0.4022% | 4,387 |
| Net loans and leases to total assets | 79.5882% | 732 |
| Net loans and leases to deposits | 87.8982% | 1,619 |
| Net loans and leases to core deposits | 100.2988% | 1,302 |
| Total domestic deposits to total assets | 90.5459% | 515 |
| Equity capital to assets | 8.3785% | 5,820 |
| Core capital (leverage) ratio | 8.1795% | 5,823 |
| Tier 1 risk-based capital ratio | 10.8499% | 5,876 |
| Total risk-based capital ratio | 11.9368% | 5,869 |
| Memoranda: | ||
| Average total assets | $326,535,500 | 2,040 |
| Average earning assets | $291,236,500 | 2,106 |
| Average equity | $26,941,500 | 2,589 |
| Average total loans | $263,226,500 | 1,664 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 721 |
| Cost of funding earning assets | 0.7219% | 994 |
| Net interest margin | 4.3095% | 1,040 |
| Noninterest income to average assets | 0.5869% | 2,938 |
| Noninterest expense to average assets | 3.5755% | 1,347 |
| Loan and lease loss provision to assets | 0.0974% | 2,521 |
| Net operating income to assets | 0.5434% | 4,627 |
| Return on assets (ROA) | 0.5434% | 4,712 |
| Pretax return on assets | 0.7544% | 4,424 |
| Return on Equity (ROE) | 6.6873% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.6873% | 1,552 |
| Net charge-offs to loans | 0.0330% | 4,171 |
| Credit loss provision to net charge-offs | 365.4762% | 717 |
| Earnings coverage of net charge-offs (x) | 31.9524% | 1,273 |
| Efficiency ratio | 80.7585% | 1,809 |
| Assets per employee ($millions) | 3.3887% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,041 |
| Loan loss allowance to noncurrent loans | 269.8075% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 2.9193% | 711 |
| Noncurrent loans to loans | 0.3716% | 4,539 |
| Net loans and leases to total assets | 80.0021% | 742 |
| Net loans and leases to deposits | 89.8174% | 1,534 |
| Net loans and leases to core deposits | 102.3692% | 1,222 |
| Total domestic deposits to total assets | 89.0720% | 1,200 |
| Equity capital to assets | 8.1246% | 5,997 |
| Core capital (leverage) ratio | 8.0175% | 5,993 |
| Tier 1 risk-based capital ratio | 10.9463% | 5,925 |
| Total risk-based capital ratio | 12.0622% | 5,918 |
| Memoranda: | ||
| Average total assets | $315,064,000 | 2,063 |
| Average earning assets | $280,775,600 | 2,117 |
| Average equity | $25,600,600 | 2,602 |
| Average total loans | $254,203,000 | 1,666 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 668 |
| Cost of funding earning assets | 0.7240% | 1,024 |
| Net interest margin | 4.3617% | 938 |
| Noninterest income to average assets | 0.5621% | 3,121 |
| Noninterest expense to average assets | 3.6223% | 1,258 |
| Loan and lease loss provision to assets | 0.1057% | 2,272 |
| Net operating income to assets | 0.5275% | 4,766 |
| Return on assets (ROA) | 0.5275% | 4,838 |
| Pretax return on assets | 0.7209% | 4,629 |
| Return on Equity (ROE) | 6.4916% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.4916% | 2,111 |
| Net charge-offs to loans | 0.0080% | 4,438 |
| Credit loss provision to net charge-offs | 1,646.6667% | 219 |
| Earnings coverage of net charge-offs (x) | 128.7970% | 463 |
| Efficiency ratio | 81.4213% | 1,682 |
| Assets per employee ($millions) | 3.3603% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 5,124 |
| Loan loss allowance to noncurrent loans | 228.9632% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 2.4753% | 1,074 |
| Noncurrent loans to loans | 0.4452% | 4,564 |
| Net loans and leases to total assets | 80.4235% | 671 |
| Net loans and leases to deposits | 89.2814% | 1,511 |
| Net loans and leases to core deposits | 100.9070% | 1,298 |
| Total domestic deposits to total assets | 90.0786% | 699 |
| Equity capital to assets | 8.0807% | 6,092 |
| Core capital (leverage) ratio | 8.0582% | 6,026 |
| Tier 1 risk-based capital ratio | 10.9948% | 5,989 |
| Total risk-based capital ratio | 12.1450% | 5,996 |
| Memoranda: | ||
| Average total assets | $311,653,750 | 2,101 |
| Average earning assets | $277,711,750 | 2,158 |
| Average equity | $25,324,250 | 2,637 |
| Average total loans | $251,345,250 | 1,690 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 640 |
| Cost of funding earning assets | 0.7222% | 1,071 |
| Net interest margin | 4.3607% | 923 |
| Noninterest income to average assets | 0.4928% | 3,527 |
| Noninterest expense to average assets | 3.6862% | 1,162 |
| Loan and lease loss provision to assets | 0.0877% | 2,564 |
| Net operating income to assets | 0.4409% | 5,053 |
| Return on assets (ROA) | 0.4409% | 5,129 |
| Pretax return on assets | 0.5967% | 4,966 |
| Return on Equity (ROE) | 5.4154% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.4154% | 2,692 |
| Net charge-offs to loans | 0.0121% | 4,005 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 70.2667% | 729 |
| Efficiency ratio | 84.3411% | 1,464 |
| Assets per employee ($millions) | 3.3257% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 5,335 |
| Loan loss allowance to noncurrent loans | 212.9784% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 2.5575% | 1,088 |
| Noncurrent loans to loans | 0.4709% | 4,587 |
| Net loans and leases to total assets | 80.8295% | 588 |
| Net loans and leases to deposits | 89.2035% | 1,452 |
| Net loans and leases to core deposits | 101.3671% | 1,180 |
| Total domestic deposits to total assets | 90.6124% | 540 |
| Equity capital to assets | 8.1640% | 6,051 |
| Core capital (leverage) ratio | 8.0486% | 6,059 |
| Tier 1 risk-based capital ratio | 10.6494% | 6,201 |
| Total risk-based capital ratio | 11.7404% | 6,199 |
| Memoranda: | ||
| Average total assets | $308,010,000 | 2,118 |
| Average earning assets | $273,898,330 | 2,183 |
| Average equity | $25,076,670 | 2,653 |
| Average total loans | $247,758,330 | 1,708 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 662 |
| Cost of funding earning assets | 0.7237% | 1,107 |
| Net interest margin | 4.3233% | 959 |
| Noninterest income to average assets | 0.5338% | 3,160 |
| Noninterest expense to average assets | 3.6689% | 1,179 |
| Loan and lease loss provision to assets | 0.0589% | 2,934 |
| Net operating income to assets | 0.4789% | 4,790 |
| Return on assets (ROA) | 0.4789% | 4,868 |
| Pretax return on assets | 0.6438% | 4,684 |
| Return on Equity (ROE) | 5.8904% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.8904% | 2,596 |
| Net charge-offs to loans | 0.0361% | 2,883 |
| Credit loss provision to net charge-offs | 204.5455% | 1,019 |
| Earnings coverage of net charge-offs (x) | 24.4091% | 1,179 |
| Efficiency ratio | 83.9270% | 1,679 |
| Assets per employee ($millions) | 3.2152% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 5,512 |
| Loan loss allowance to noncurrent loans | 234.3482% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 2.6641% | 1,152 |
| Noncurrent loans to loans | 0.4274% | 4,861 |
| Net loans and leases to total assets | 78.8655% | 670 |
| Net loans and leases to deposits | 87.0064% | 1,465 |
| Net loans and leases to core deposits | 97.2222% | 1,299 |
| Total domestic deposits to total assets | 90.6433% | 713 |
| Equity capital to assets | 8.1200% | 5,963 |
| Core capital (leverage) ratio | 8.0696% | 6,068 |
| Tier 1 risk-based capital ratio | 10.6828% | 6,282 |
| Total risk-based capital ratio | 11.7535% | 6,298 |
| Memoranda: | ||
| Average total assets | $305,707,000 | 2,144 |
| Average earning assets | $271,366,000 | 2,210 |
| Average equity | $24,854,000 | 2,660 |
| Average total loans | $244,014,500 | 1,730 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 483 |
| Cost of funding earning assets | 0.8094% | 1,165 |
| Net interest margin | 4.5390% | 680 |
| Noninterest income to average assets | 0.5593% | 3,338 |
| Noninterest expense to average assets | 3.7514% | 1,212 |
| Loan and lease loss provision to assets | 0.2906% | 1,171 |
| Net operating income to assets | 0.3834% | 5,202 |
| Return on assets (ROA) | 0.3834% | 5,316 |
| Pretax return on assets | 0.5059% | 5,189 |
| Return on Equity (ROE) | 4.5394% | 4,871 |
| Retained earnings to average equity (ytd only) | 0.3242% | 5,701 |
| Net charge-offs to loans | 0.0698% | 4,231 |
| Credit loss provision to net charge-offs | 537.3418% | 436 |
| Earnings coverage of net charge-offs (x) | 14.7278% | 1,924 |
| Efficiency ratio | 82.4866% | 1,813 |
| Assets per employee ($millions) | 3.0582% | 5,746 |
| Cash dividends to net income (ytd only)* | 92.8571% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 5,524 |
| Loan loss allowance to noncurrent loans | 226.5552% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 2.7477% | 1,210 |
| Noncurrent loans to loans | 0.4448% | 4,890 |
| Net loans and leases to total assets | 79.1731% | 685 |
| Net loans and leases to deposits | 88.9792% | 1,352 |
| Net loans and leases to core deposits | 97.2394% | 1,367 |
| Total domestic deposits to total assets | 88.9793% | 1,645 |
| Equity capital to assets | 8.1402% | 5,907 |
| Core capital (leverage) ratio | 8.1599% | 6,009 |
| Tier 1 risk-based capital ratio | 10.5599% | 6,348 |
| Total risk-based capital ratio | 11.6242% | 6,366 |
| Memoranda: | ||
| Average total assets | $292,156,400 | 2,197 |
| Average earning assets | $256,732,800 | 2,274 |
| Average equity | $24,672,600 | 2,657 |
| Average total loans | $226,341,000 | 1,809 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 444 |
| Cost of funding earning assets | 0.8252% | 1,189 |
| Net interest margin | 4.5758% | 647 |
| Noninterest income to average assets | 0.5573% | 3,411 |
| Noninterest expense to average assets | 3.7801% | 1,106 |
| Loan and lease loss provision to assets | 0.0714% | 3,638 |
| Net operating income to assets | 0.5324% | 4,655 |
| Return on assets (ROA) | 0.5324% | 4,813 |
| Pretax return on assets | 0.7175% | 4,627 |
| Return on Equity (ROE) | 6.2452% | 4,047 |
| Retained earnings to average equity (ytd only) | 0.6267% | 5,720 |
| Net charge-offs to loans | 0.0767% | 3,846 |
| Credit loss provision to net charge-offs | 121.0938% | 1,945 |
| Earnings coverage of net charge-offs (x) | 13.3830% | 2,032 |
| Efficiency ratio | 82.7336% | 1,731 |
| Assets per employee ($millions) | 2.9368% | 5,947 |
| Cash dividends to net income (ytd only)* | 89.9655% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 6,311 |
| Loan loss allowance to noncurrent loans | 204.3728% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 2.9089% | 1,276 |
| Noncurrent loans to loans | 0.3842% | 5,244 |
| Net loans and leases to total assets | 77.9661% | 747 |
| Net loans and leases to deposits | 87.6586% | 1,406 |
| Net loans and leases to core deposits | 98.7089% | 1,188 |
| Total domestic deposits to total assets | 88.9429% | 1,585 |
| Equity capital to assets | 8.5721% | 5,658 |
| Core capital (leverage) ratio | 8.4123% | 5,846 |
| Tier 1 risk-based capital ratio | 11.1306% | 6,224 |
| Total risk-based capital ratio | 11.9467% | 6,363 |
| Memoranda: | ||
| Average total assets | $289,506,250 | 2,222 |
| Average earning assets | $253,823,750 | 2,304 |
| Average equity | $24,679,500 | 2,684 |
| Average total loans | $222,390,750 | 1,843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 434 |
| Cost of funding earning assets | 0.8355% | 1,230 |
| Net interest margin | 4.5838% | 612 |
| Noninterest income to average assets | 0.6529% | 2,899 |
| Noninterest expense to average assets | 3.8825% | 1,000 |
| Loan and lease loss provision to assets | 0.1000% | 3,127 |
| Net operating income to assets | 0.5171% | 4,726 |
| Return on assets (ROA) | 0.5171% | 4,894 |
| Pretax return on assets | 0.6840% | 4,735 |
| Return on Equity (ROE) | 6.0772% | 4,124 |
| Retained earnings to average equity (ytd only) | 0.1621% | 5,806 |
| Net charge-offs to loans | 0.0506% | 3,962 |
| Credit loss provision to net charge-offs | 258.9286% | 969 |
| Earnings coverage of net charge-offs (x) | 20.3036% | 1,470 |
| Efficiency ratio | 83.2004% | 1,730 |
| Assets per employee ($millions) | 3.0679% | 5,732 |
| Cash dividends to net income (ytd only)* | 97.3333% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 6,305 |
| Loan loss allowance to noncurrent loans | 273.5119% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 3.3957% | 1,145 |
| Noncurrent loans to loans | 0.3019% | 5,553 |
| Net loans and leases to total assets | 74.9441% | 1,115 |
| Net loans and leases to deposits | 86.3260% | 1,543 |
| Net loans and leases to core deposits | 97.3713% | 1,258 |
| Total domestic deposits to total assets | 86.8152% | 2,929 |
| Equity capital to assets | 8.3542% | 5,918 |
| Core capital (leverage) ratio | 8.4444% | 5,729 |
| Tier 1 risk-based capital ratio | 10.8180% | 6,407 |
| Total risk-based capital ratio | 11.6421% | 6,508 |
| Memoranda: | ||
| Average total assets | $290,072,670 | 2,226 |
| Average earning assets | $253,983,000 | 2,315 |
| Average equity | $24,682,330 | 2,701 |
| Average total loans | $221,131,670 | 1,847 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 435 |
| Cost of funding earning assets | 0.8576% | 1,215 |
| Net interest margin | 4.5324% | 639 |
| Noninterest income to average assets | 0.6726% | 2,742 |
| Noninterest expense to average assets | 3.8312% | 1,076 |
| Loan and lease loss provision to assets | 0.0486% | 3,804 |
| Net operating income to assets | 0.5447% | 4,476 |
| Return on assets (ROA) | 0.5447% | 4,627 |
| Pretax return on assets | 0.7587% | 4,334 |
| Return on Equity (ROE) | 6.3428% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.4369% | 5,650 |
| Net charge-offs to loans | 0.0200% | 3,759 |
| Credit loss provision to net charge-offs | 318.1818% | 761 |
| Earnings coverage of net charge-offs (x) | 52.8182% | 645 |
| Efficiency ratio | 82.5944% | 1,947 |
| Assets per employee ($millions) | 3.1437% | 5,739 |
| Cash dividends to net income (ytd only)* | 93.1122% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 6,463 |
| Loan loss allowance to noncurrent loans | 142.5583% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 3.6532% | 1,142 |
| Noncurrent loans to loans | 0.5582% | 5,045 |
| Net loans and leases to total assets | 76.3730% | 794 |
| Net loans and leases to deposits | 84.9044% | 1,483 |
| Net loans and leases to core deposits | 96.2630% | 1,187 |
| Total domestic deposits to total assets | 89.9517% | 1,084 |
| Equity capital to assets | 8.5408% | 5,981 |
| Core capital (leverage) ratio | 8.4272% | 5,672 |
| Tier 1 risk-based capital ratio | 10.8458% | 6,468 |
| Total risk-based capital ratio | 11.6467% | 6,591 |
| Memoranda: | ||
| Average total assets | $287,848,000 | 2,267 |
| Average earning assets | $251,876,500 | 2,355 |
| Average equity | $24,721,000 | 2,730 |
| Average total loans | $220,415,000 | 1,866 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 422 |
| Cost of funding earning assets | 1.0340% | 1,190 |
| Net interest margin | 4.6826% | 671 |
| Noninterest income to average assets | 0.5177% | 3,784 |
| Noninterest expense to average assets | 3.8074% | 1,241 |
| Loan and lease loss provision to assets | 0.0143% | 5,729 |
| Net operating income to assets | 0.7254% | 3,618 |
| Return on assets (ROA) | 0.7327% | 3,838 |
| Pretax return on assets | 0.7884% | 4,337 |
| Return on Equity (ROE) | 8.2928% | 2,967 |
| Retained earnings to average equity (ytd only) | 2.1015% | 4,747 |
| Net charge-offs to loans | 0.1496% | 4,194 |
| Credit loss provision to net charge-offs | 12.7389% | 5,369 |
| Earnings coverage of net charge-offs (x) | 7.0892% | 2,681 |
| Efficiency ratio | 82.7295% | 1,783 |
| Assets per employee ($millions) | 3.1480% | 5,739 |
| Cash dividends to net income (ytd only)* | 74.6589% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 6,487 |
| Loan loss allowance to noncurrent loans | 219.7236% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 3.5480% | 1,271 |
| Noncurrent loans to loans | 0.3649% | 5,573 |
| Net loans and leases to total assets | 75.5467% | 982 |
| Net loans and leases to deposits | 84.8659% | 1,652 |
| Net loans and leases to core deposits | 94.8774% | 1,396 |
| Total domestic deposits to total assets | 89.0188% | 1,554 |
| Equity capital to assets | 8.6361% | 5,923 |
| Core capital (leverage) ratio | 8.5588% | 5,523 |
| Tier 1 risk-based capital ratio | 11.0428% | 6,334 |
| Total risk-based capital ratio | 11.8485% | 6,486 |
| Memoranda: | ||
| Average total assets | $280,059,400 | 2,270 |
| Average earning assets | $244,285,400 | 2,376 |
| Average equity | $24,744,400 | 2,684 |
| Average total loans | $209,906,000 | 1,920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7372% | 432 |
| Cost of funding earning assets | 1.0608% | 1,234 |
| Net interest margin | 4.6764% | 706 |
| Noninterest income to average assets | 0.5392% | 3,674 |
| Noninterest expense to average assets | 3.7937% | 1,220 |
| Loan and lease loss provision to assets | 0.0014% | 5,781 |
| Net operating income to assets | 0.8031% | 3,437 |
| Return on assets (ROA) | 0.8078% | 3,657 |
| Pretax return on assets | 0.8288% | 4,385 |
| Return on Equity (ROE) | 9.0897% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.0788% | 4,022 |
| Net charge-offs to loans | 0.1694% | 3,756 |
| Credit loss provision to net charge-offs | 1.1364% | 5,150 |
| Earnings coverage of net charge-offs (x) | 6.5303% | 2,766 |
| Efficiency ratio | 82.1292% | 1,794 |
| Assets per employee ($millions) | 3.0517% | 5,960 |
| Cash dividends to net income (ytd only)* | 55.1274% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,536 |
| Loan loss allowance to noncurrent loans | 201.2571% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 3.9379% | 1,229 |
| Noncurrent loans to loans | 0.4149% | 5,621 |
| Net loans and leases to total assets | 75.3068% | 1,075 |
| Net loans and leases to deposits | 84.9509% | 1,734 |
| Net loans and leases to core deposits | 93.8544% | 1,595 |
| Total domestic deposits to total assets | 88.6474% | 1,625 |
| Equity capital to assets | 9.0235% | 5,807 |
| Core capital (leverage) ratio | 8.7806% | 5,372 |
| Tier 1 risk-based capital ratio | 11.2304% | 6,387 |
| Total risk-based capital ratio | 12.0474% | 6,540 |
| Memoranda: | ||
| Average total assets | $278,456,250 | 2,307 |
| Average earning assets | $242,946,000 | 2,420 |
| Average equity | $24,745,500 | 2,708 |
| Average total loans | $207,840,250 | 1,958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 490 |
| Cost of funding earning assets | 1.0750% | 1,333 |
| Net interest margin | 4.6163% | 799 |
| Noninterest income to average assets | 0.5497% | 3,586 |
| Noninterest expense to average assets | 3.6806% | 1,410 |
| Loan and lease loss provision to assets | -0.0022% | 7,018 |
| Net operating income to assets | 0.8899% | 2,961 |
| Return on assets (ROA) | 0.8963% | 3,194 |
| Pretax return on assets | 0.9085% | 4,044 |
| Return on Equity (ROE) | 10.1376% | 2,301 |
| Retained earnings to average equity (ytd only) | 5.5517% | 2,959 |
| Net charge-offs to loans | 0.1431% | 3,773 |
| Credit loss provision to net charge-offs | -2.0270% | 5,905 |
| Earnings coverage of net charge-offs (x) | 8.4730% | 2,291 |
| Efficiency ratio | 80.3541% | 2,117 |
| Assets per employee ($millions) | 2.9893% | 6,084 |
| Cash dividends to net income (ytd only)* | 45.2362% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,428 |
| Loan loss allowance to noncurrent loans | 230.8261% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 4.2019% | 1,192 |
| Noncurrent loans to loans | 0.3952% | 5,748 |
| Net loans and leases to total assets | 73.9412% | 1,252 |
| Net loans and leases to deposits | 82.6240% | 2,033 |
| Net loans and leases to core deposits | 90.9807% | 1,877 |
| Total domestic deposits to total assets | 89.4912% | 1,224 |
| Equity capital to assets | 9.0787% | 5,604 |
| Core capital (leverage) ratio | 8.7346% | 5,322 |
| Tier 1 risk-based capital ratio | 11.7025% | 6,107 |
| Total risk-based capital ratio | 12.6102% | 6,281 |
| Memoranda: | ||
| Average total assets | $278,705,670 | 2,304 |
| Average earning assets | $243,356,330 | 2,410 |
| Average equity | $24,641,000 | 2,704 |
| Average total loans | $206,822,330 | 1,966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 432 |
| Cost of funding earning assets | 1.1007% | 1,407 |
| Net interest margin | 4.6867% | 700 |
| Noninterest income to average assets | 0.5375% | 3,648 |
| Noninterest expense to average assets | 3.6728% | 1,419 |
| Loan and lease loss provision to assets | -0.0043% | 7,092 |
| Net operating income to assets | 0.8470% | 3,177 |
| Return on assets (ROA) | 0.8583% | 3,350 |
| Pretax return on assets | 0.9795% | 3,751 |
| Return on Equity (ROE) | 9.8376% | 2,459 |
| Retained earnings to average equity (ytd only) | 5.5071% | 3,252 |
| Net charge-offs to loans | 0.1676% | 3,082 |
| Credit loss provision to net charge-offs | -3.4483% | 5,333 |
| Earnings coverage of net charge-offs (x) | 7.7586% | 2,043 |
| Efficiency ratio | 79.2372% | 2,311 |
| Assets per employee ($millions) | 3.0332% | 6,093 |
| Cash dividends to net income (ytd only)* | 44.0199% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 6,425 |
| Loan loss allowance to noncurrent loans | 208.0732% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 3.8258% | 1,458 |
| Noncurrent loans to loans | 0.4556% | 5,768 |
| Net loans and leases to total assets | 72.3809% | 1,331 |
| Net loans and leases to deposits | 80.6123% | 2,122 |
| Net loans and leases to core deposits | 89.6891% | 1,880 |
| Total domestic deposits to total assets | 89.7889% | 1,201 |
| Equity capital to assets | 8.8271% | 5,716 |
| Core capital (leverage) ratio | 8.5991% | 5,443 |
| Tier 1 risk-based capital ratio | 11.6814% | 6,174 |
| Total risk-based capital ratio | 12.6306% | 6,324 |
| Memoranda: | ||
| Average total assets | $280,550,000 | 2,310 |
| Average earning assets | $245,292,000 | 2,407 |
| Average equity | $24,477,500 | 2,719 |
| Average total loans | $207,622,000 | 1,962 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9192% | 499 |
| Cost of funding earning assets | 1.4035% | 1,021 |
| Net interest margin | 4.5157% | 1,100 |
| Noninterest income to average assets | 0.5401% | 3,585 |
| Noninterest expense to average assets | 3.7096% | 1,523 |
| Loan and lease loss provision to assets | 0.1897% | 4,285 |
| Net operating income to assets | 0.5076% | 4,386 |
| Return on assets (ROA) | 0.5438% | 4,448 |
| Pretax return on assets | 0.5405% | 4,869 |
| Return on Equity (ROE) | 6.3269% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,224 |
| Net charge-offs to loans | 0.4051% | 3,396 |
| Credit loss provision to net charge-offs | 65.0124% | 5,031 |
| Earnings coverage of net charge-offs (x) | 2.3784% | 4,027 |
| Efficiency ratio | 84.2404% | 1,736 |
| Assets per employee ($millions) | 3.0658% | 5,961 |
| Cash dividends to net income (ytd only)* | 10.9854% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,373 |
| Loan loss allowance to noncurrent loans | 202.9087% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 3.9397% | 1,459 |
| Noncurrent loans to loans | 0.4718% | 5,768 |
| Net loans and leases to total assets | 74.2099% | 1,235 |
| Net loans and leases to deposits | 83.9267% | 1,932 |
| Net loans and leases to core deposits | 93.9680% | 1,701 |
| Total domestic deposits to total assets | 88.4223% | 1,896 |
| Equity capital to assets | 8.6236% | 5,986 |
| Core capital (leverage) ratio | 8.5712% | 5,442 |
| Tier 1 risk-based capital ratio | 10.9830% | 6,466 |
| Total risk-based capital ratio | 11.9305% | 6,585 |
| Memoranda: | ||
| Average total assets | $276,227,400 | 2,292 |
| Average earning assets | $236,331,600 | 2,438 |
| Average equity | $23,739,800 | 2,696 |
| Average total loans | $198,980,600 | 2,057 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 557 |
| Cost of funding earning assets | 1.4797% | 931 |
| Net interest margin | 4.4238% | 1,337 |
| Noninterest income to average assets | 0.5245% | 3,700 |
| Noninterest expense to average assets | 3.7082% | 1,481 |
| Loan and lease loss provision to assets | 0.1844% | 4,193 |
| Net operating income to assets | 0.4149% | 4,931 |
| Return on assets (ROA) | 0.4629% | 4,900 |
| Pretax return on assets | 0.4445% | 5,329 |
| Return on Equity (ROE) | 5.3911% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.3911% | 2,917 |
| Net charge-offs to loans | 0.2226% | 4,040 |
| Credit loss provision to net charge-offs | 116.2080% | 2,813 |
| Earnings coverage of net charge-offs (x) | 3.6605% | 3,344 |
| Efficiency ratio | 86.4577% | 1,487 |
| Assets per employee ($millions) | 2.9590% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,582 |
| Loan loss allowance to noncurrent loans | 139.0330% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 4.2972% | 1,413 |
| Noncurrent loans to loans | 0.8425% | 5,188 |
| Net loans and leases to total assets | 73.0865% | 1,493 |
| Net loans and leases to deposits | 81.4191% | 2,462 |
| Net loans and leases to core deposits | 91.7627% | 2,027 |
| Total domestic deposits to total assets | 89.7658% | 1,004 |
| Equity capital to assets | 8.8012% | 5,978 |
| Core capital (leverage) ratio | 8.4395% | 5,789 |
| Tier 1 risk-based capital ratio | 11.2239% | 6,412 |
| Total risk-based capital ratio | 12.3712% | 6,456 |
| Memoranda: | ||
| Average total assets | $274,771,750 | 2,321 |
| Average earning assets | $233,822,250 | 2,474 |
| Average equity | $23,594,000 | 2,717 |
| Average total loans | $195,892,750 | 2,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8582% | 641 |
| Cost of funding earning assets | 1.5286% | 904 |
| Net interest margin | 4.3296% | 1,568 |
| Noninterest income to average assets | 0.4318% | 4,414 |
| Noninterest expense to average assets | 3.6340% | 1,666 |
| Loan and lease loss provision to assets | 0.0907% | 5,182 |
| Net operating income to assets | 0.3715% | 5,078 |
| Return on assets (ROA) | 0.3715% | 5,219 |
| Pretax return on assets | 0.3737% | 5,474 |
| Return on Equity (ROE) | 4.3626% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.3626% | 3,416 |
| Net charge-offs to loans | 0.2896% | 3,429 |
| Credit loss provision to net charge-offs | 44.4840% | 4,721 |
| Earnings coverage of net charge-offs (x) | 2.2776% | 3,689 |
| Efficiency ratio | 88.6686% | 1,350 |
| Assets per employee ($millions) | 2.9719% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,923 |
| Loan loss allowance to noncurrent loans | 189.3392% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 4.3141% | 1,473 |
| Noncurrent loans to loans | 0.5856% | 5,758 |
| Net loans and leases to total assets | 68.6048% | 2,497 |
| Net loans and leases to deposits | 76.1004% | 3,447 |
| Net loans and leases to core deposits | 86.4307% | 2,840 |
| Total domestic deposits to total assets | 90.1504% | 896 |
| Equity capital to assets | 8.5409% | 6,139 |
| Core capital (leverage) ratio | 8.2878% | 5,890 |
| Tier 1 risk-based capital ratio | 11.4728% | 6,185 |
| Total risk-based capital ratio | 12.5481% | 6,311 |
| Memoranda: | ||
| Average total assets | $275,621,000 | 2,324 |
| Average earning assets | $233,416,330 | 2,497 |
| Average equity | $23,472,330 | 2,702 |
| Average total loans | $194,084,670 | 2,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8099% | 730 |
| Cost of funding earning assets | 1.5277% | 1,059 |
| Net interest margin | 4.2823% | 1,612 |
| Noninterest income to average assets | 0.3960% | 4,733 |
| Noninterest expense to average assets | 3.5580% | 1,856 |
| Loan and lease loss provision to assets | 0.1461% | 4,185 |
| Net operating income to assets | 0.3375% | 5,238 |
| Return on assets (ROA) | 0.3375% | 5,315 |
| Pretax return on assets | 0.3331% | 5,552 |
| Return on Equity (ROE) | 3.9693% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.9693% | 3,790 |
| Net charge-offs to loans | 0.1256% | 3,768 |
| Credit loss provision to net charge-offs | 163.9344% | 1,766 |
| Earnings coverage of net charge-offs (x) | 5.3770% | 2,290 |
| Efficiency ratio | 88.1288% | 1,501 |
| Assets per employee ($millions) | 2.9887% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,541 |
| Loan loss allowance to noncurrent loans | 148.2606% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 4.5654% | 1,412 |
| Noncurrent loans to loans | 0.8212% | 5,393 |
| Net loans and leases to total assets | 69.1692% | 2,293 |
| Net loans and leases to deposits | 76.6262% | 3,316 |
| Net loans and leases to core deposits | 87.4612% | 2,675 |
| Total domestic deposits to total assets | 90.2684% | 977 |
| Equity capital to assets | 8.5031% | 5,898 |
| Core capital (leverage) ratio | 8.3386% | 5,732 |
| Tier 1 risk-based capital ratio | 11.3546% | 6,210 |
| Total risk-based capital ratio | 12.5298% | 6,257 |
| Memoranda: | ||
| Average total assets | $273,751,000 | 2,358 |
| Average earning assets | $232,774,000 | 2,517 |
| Average equity | $23,278,500 | 2,716 |
| Average total loans | $194,225,000 | 2,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1236% | 670 |
| Cost of funding earning assets | 1.7618% | 1,331 |
| Net interest margin | 4.3618% | 1,614 |
| Noninterest income to average assets | 0.3758% | 5,091 |
| Noninterest expense to average assets | 3.7640% | 1,553 |
| Loan and lease loss provision to assets | 0.2784% | 4,582 |
| Net operating income to assets | 0.1795% | 5,338 |
| Return on assets (ROA) | 0.3676% | 4,835 |
| Pretax return on assets | 0.2282% | 5,415 |
| Return on Equity (ROE) | 4.4554% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.4554% | 2,744 |
| Net charge-offs to loans | 0.7078% | 2,889 |
| Credit loss provision to net charge-offs | 54.8342% | 6,180 |
| Earnings coverage of net charge-offs (x) | 0.6274% | 5,481 |
| Efficiency ratio | 92.1983% | 1,169 |
| Assets per employee ($millions) | 3.0971% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,619 |
| Loan loss allowance to noncurrent loans | 114.6196% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 5.0322% | 1,268 |
| Noncurrent loans to loans | 1.0264% | 5,015 |
| Net loans and leases to total assets | 71.0398% | 2,292 |
| Net loans and leases to deposits | 78.6505% | 3,402 |
| Net loans and leases to core deposits | 90.6891% | 2,667 |
| Total domestic deposits to total assets | 90.3234% | 922 |
| Equity capital to assets | 8.5040% | 5,851 |
| Core capital (leverage) ratio | 8.2491% | 5,752 |
| Tier 1 risk-based capital ratio | 11.0557% | 6,288 |
| Total risk-based capital ratio | 12.1925% | 6,343 |
| Memoranda: | ||
| Average total assets | $279,120,000 | 2,288 |
| Average earning assets | $237,195,400 | 2,457 |
| Average equity | $23,028,400 | 2,757 |
| Average total loans | $200,189,600 | 2,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 706 |
| Cost of funding earning assets | 1.8273% | 1,315 |
| Net interest margin | 4.3095% | 1,823 |
| Noninterest income to average assets | 0.4977% | 4,209 |
| Noninterest expense to average assets | 3.6984% | 1,569 |
| Loan and lease loss provision to assets | 0.1149% | 5,881 |
| Net operating income to assets | 0.5395% | 4,138 |
| Return on assets (ROA) | 0.5627% | 4,204 |
| Pretax return on assets | 0.3642% | 5,332 |
| Return on Equity (ROE) | 6.8720% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.8720% | 1,917 |
| Net charge-offs to loans | 0.4869% | 3,324 |
| Credit loss provision to net charge-offs | 32.9252% | 6,124 |
| Earnings coverage of net charge-offs (x) | 1.3061% | 4,771 |
| Efficiency ratio | 89.0261% | 1,366 |
| Assets per employee ($millions) | 2.9689% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,228 |
| Loan loss allowance to noncurrent loans | 118.1118% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 5.4980% | 1,122 |
| Noncurrent loans to loans | 1.0586% | 5,125 |
| Net loans and leases to total assets | 70.9002% | 2,515 |
| Net loans and leases to deposits | 79.0079% | 3,633 |
| Net loans and leases to core deposits | 90.3346% | 3,049 |
| Total domestic deposits to total assets | 89.7381% | 1,003 |
| Equity capital to assets | 8.6807% | 6,048 |
| Core capital (leverage) ratio | 8.0881% | 6,213 |
| Tier 1 risk-based capital ratio | 10.8656% | 6,495 |
| Total risk-based capital ratio | 12.0458% | 6,535 |
| Memoranda: | ||
| Average total assets | $280,764,250 | 2,309 |
| Average earning assets | $238,226,000 | 2,485 |
| Average equity | $22,991,250 | 2,808 |
| Average total loans | $201,257,250 | 2,177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0682% | 812 |
| Cost of funding earning assets | 1.8748% | 1,321 |
| Net interest margin | 4.1933% | 2,175 |
| Noninterest income to average assets | 0.4172% | 4,777 |
| Noninterest expense to average assets | 3.6187% | 1,735 |
| Loan and lease loss provision to assets | 0.1708% | 5,162 |
| Net operating income to assets | 0.5048% | 4,308 |
| Return on assets (ROA) | 0.5393% | 4,294 |
| Pretax return on assets | 0.2181% | 5,729 |
| Return on Equity (ROE) | 6.7160% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.7160% | 1,964 |
| Net charge-offs to loans | 0.7232% | 2,413 |
| Credit loss provision to net charge-offs | 32.9700% | 5,696 |
| Earnings coverage of net charge-offs (x) | 0.6839% | 5,062 |
| Efficiency ratio | 91.0803% | 1,258 |
| Assets per employee ($millions) | 3.0759% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 5,226 |
| Loan loss allowance to noncurrent loans | 126.1831% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 5.4354% | 1,140 |
| Noncurrent loans to loans | 0.9847% | 5,337 |
| Net loans and leases to total assets | 68.8978% | 3,148 |
| Net loans and leases to deposits | 75.9383% | 4,347 |
| Net loans and leases to core deposits | 86.0299% | 3,827 |
| Total domestic deposits to total assets | 90.7287% | 589 |
| Equity capital to assets | 8.1879% | 6,556 |
| Core capital (leverage) ratio | 7.8520% | 6,437 |
| Tier 1 risk-based capital ratio | 10.4926% | 6,693 |
| Total risk-based capital ratio | 11.6544% | 6,748 |
| Memoranda: | ||
| Average total assets | $283,307,000 | 2,308 |
| Average earning assets | $240,237,670 | 2,476 |
| Average equity | $22,751,670 | 2,827 |
| Average total loans | $202,974,330 | 2,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 764 |
| Cost of funding earning assets | 1.9408% | 1,285 |
| Net interest margin | 4.1716% | 2,146 |
| Noninterest income to average assets | 0.4657% | 4,333 |
| Noninterest expense to average assets | 3.5094% | 1,955 |
| Loan and lease loss provision to assets | 0.2230% | 4,267 |
| Net operating income to assets | 0.8664% | 2,685 |
| Return on assets (ROA) | 0.8664% | 2,771 |
| Pretax return on assets | 0.2639% | 5,702 |
| Return on Equity (ROE) | 10.8950% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.8950% | 943 |
| Net charge-offs to loans | 0.0389% | 5,033 |
| Credit loss provision to net charge-offs | 790.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,294 |
| Efficiency ratio | 87.8178% | 1,604 |
| Assets per employee ($millions) | 3.0120% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,873 |
| Loan loss allowance to noncurrent loans | 68.8016% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 6.4535% | 888 |
| Noncurrent loans to loans | 2.1910% | 3,537 |
| Net loans and leases to total assets | 70.3975% | 2,829 |
| Net loans and leases to deposits | 77.4060% | 4,144 |
| Net loans and leases to core deposits | 87.0980% | 3,735 |
| Total domestic deposits to total assets | 90.9457% | 571 |
| Equity capital to assets | 8.0030% | 6,648 |
| Core capital (leverage) ratio | 7.8021% | 6,502 |
| Tier 1 risk-based capital ratio | 10.3097% | 6,801 |
| Total risk-based capital ratio | 11.4412% | 6,880 |
| Memoranda: | ||
| Average total assets | $283,470,500 | 2,359 |
| Average earning assets | $239,905,500 | 2,536 |
| Average equity | $22,542,500 | 2,872 |
| Average total loans | $205,751,500 | 2,221 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3093% | 1,007 |
| Cost of funding earning assets | 2.2423% | 1,862 |
| Net interest margin | 4.0670% | 2,582 |
| Noninterest income to average assets | 0.3672% | 5,464 |
| Noninterest expense to average assets | 4.1184% | 1,198 |
| Loan and lease loss provision to assets | 0.8203% | 2,673 |
| Net operating income to assets | -1.1257% | 6,660 |
| Return on assets (ROA) | -0.8892% | 6,503 |
| Pretax return on assets | -0.8637% | 6,315 |
| Return on Equity (ROE) | -10.6473% | 6,667 |
| Retained earnings to average equity (ytd only) | -10.6473% | 6,565 |
| Net charge-offs to loans | 0.7554% | 2,932 |
| Credit loss provision to net charge-offs | 148.3260% | 3,155 |
| Earnings coverage of net charge-offs (x) | -0.5060% | 6,695 |
| Efficiency ratio | 107.2904% | 863 |
| Assets per employee ($millions) | 2.8364% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,111 |
| Loan loss allowance to noncurrent loans | 68.5681% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 7.0456% | 713 |
| Noncurrent loans to loans | 2.0750% | 3,555 |
| Net loans and leases to total assets | 72.6635% | 2,591 |
| Net loans and leases to deposits | 79.9241% | 4,011 |
| Net loans and leases to core deposits | 122.1922% | 1,762 |
| Total domestic deposits to total assets | 90.9156% | 567 |
| Equity capital to assets | 7.9006% | 6,672 |
| Core capital (leverage) ratio | 7.5349% | 6,757 |
| Tier 1 risk-based capital ratio | 9.7987% | 7,020 |
| Total risk-based capital ratio | 11.0543% | 7,001 |
| Memoranda: | ||
| Average total assets | $286,227,000 | 2,299 |
| Average earning assets | $244,306,800 | 2,461 |
| Average equity | $23,902,800 | 2,733 |
| Average total loans | $209,554,000 | 2,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2821% | 1,175 |
| Cost of funding earning assets | 2.2900% | 2,017 |
| Net interest margin | 3.9921% | 2,855 |
| Noninterest income to average assets | 0.6226% | 3,542 |
| Noninterest expense to average assets | 4.0901% | 1,162 |
| Loan and lease loss provision to assets | 0.4511% | 3,660 |
| Net operating income to assets | -0.5257% | 6,453 |
| Return on assets (ROA) | -0.2466% | 6,142 |
| Pretax return on assets | -0.2239% | 6,010 |
| Return on Equity (ROE) | -2.9151% | 6,234 |
| Retained earnings to average equity (ytd only) | -2.9151% | 5,921 |
| Net charge-offs to loans | 0.7466% | 2,497 |
| Credit loss provision to net charge-offs | 82.6678% | 5,688 |
| Earnings coverage of net charge-offs (x) | -0.0952% | 6,171 |
| Efficiency ratio | 101.2859% | 1,007 |
| Assets per employee ($millions) | 2.6500% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,635 |
| Loan loss allowance to noncurrent loans | 43.0877% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 6.5961% | 754 |
| Noncurrent loans to loans | 2.1585% | 3,432 |
| Net loans and leases to total assets | 74.2320% | 2,461 |
| Net loans and leases to deposits | 85.4916% | 3,415 |
| Net loans and leases to core deposits | 127.4174% | 1,626 |
| Total domestic deposits to total assets | 86.8297% | 2,269 |
| Equity capital to assets | 8.4166% | 6,365 |
| Core capital (leverage) ratio | 7.9972% | 6,363 |
| Tier 1 risk-based capital ratio | 10.3750% | 6,599 |
| Total risk-based capital ratio | 11.2624% | 6,919 |
| Memoranda: | ||
| Average total assets | $287,583,750 | 2,310 |
| Average earning assets | $246,047,000 | 2,460 |
| Average equity | $24,332,250 | 2,707 |
| Average total loans | $210,196,500 | 2,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2761% | 1,271 |
| Cost of funding earning assets | 2.3687% | 2,085 |
| Net interest margin | 3.9074% | 3,082 |
| Noninterest income to average assets | 0.6742% | 3,165 |
| Noninterest expense to average assets | 4.1747% | 1,097 |
| Loan and lease loss provision to assets | 0.3295% | 3,961 |
| Net operating income to assets | -0.5081% | 6,554 |
| Return on assets (ROA) | -0.1890% | 6,198 |
| Pretax return on assets | -0.1641% | 6,076 |
| Return on Equity (ROE) | -2.2297% | 6,256 |
| Retained earnings to average equity (ytd only) | -2.2297% | 5,795 |
| Net charge-offs to loans | 0.9778% | 1,793 |
| Credit loss provision to net charge-offs | 46.4844% | 5,811 |
| Earnings coverage of net charge-offs (x) | -0.2168% | 5,898 |
| Efficiency ratio | 103.8217% | 1,038 |
| Assets per employee ($millions) | 2.6769% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 7,271 |
| Loan loss allowance to noncurrent loans | 21.3445% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 6.6516% | 672 |
| Noncurrent loans to loans | 3.5619% | 1,966 |
| Net loans and leases to total assets | 73.0096% | 2,950 |
| Net loans and leases to deposits | 82.9540% | 4,050 |
| Net loans and leases to core deposits | 126.9886% | 1,783 |
| Total domestic deposits to total assets | 88.0121% | 1,769 |
| Equity capital to assets | 8.2696% | 6,383 |
| Core capital (leverage) ratio | 8.0688% | 6,218 |
| Tier 1 risk-based capital ratio | 10.6823% | 6,199 |
| Total risk-based capital ratio | 11.4285% | 6,669 |
| Memoranda: | ||
| Average total assets | $288,929,670 | 2,329 |
| Average earning assets | $247,477,000 | 2,460 |
| Average equity | $24,488,000 | 2,692 |
| Average total loans | $209,442,670 | 2,251 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3104% | 1,268 |
| Cost of funding earning assets | 2.4251% | 2,191 |
| Net interest margin | 3.8853% | 3,107 |
| Noninterest income to average assets | 0.6748% | 3,035 |
| Noninterest expense to average assets | 3.9318% | 1,267 |
| Loan and lease loss provision to assets | 0.3283% | 3,352 |
| Net operating income to assets | -0.2574% | 6,628 |
| Return on assets (ROA) | 0.1586% | 5,961 |
| Pretax return on assets | 0.1586% | 6,030 |
| Return on Equity (ROE) | 1.8486% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.8486% | 4,829 |
| Net charge-offs to loans | 0.8529% | 1,533 |
| Credit loss provision to net charge-offs | 53.5147% | 4,623 |
| Earnings coverage of net charge-offs (x) | 0.1156% | 4,889 |
| Efficiency ratio | 98.2273% | 1,204 |
| Assets per employee ($millions) | 2.6725% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 6,533 |
| Loan loss allowance to noncurrent loans | 37.4976% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 6.2117% | 622 |
| Noncurrent loans to loans | 2.5180% | 2,617 |
| Net loans and leases to total assets | 72.4582% | 3,139 |
| Net loans and leases to deposits | 82.6844% | 4,176 |
| Net loans and leases to core deposits | 131.2217% | 1,588 |
| Total domestic deposits to total assets | 87.6323% | 1,910 |
| Equity capital to assets | 8.6200% | 5,885 |
| Core capital (leverage) ratio | 8.2364% | 6,018 |
| Tier 1 risk-based capital ratio | 10.8532% | 6,037 |
| Total risk-based capital ratio | 11.7557% | 6,300 |
| Memoranda: | ||
| Average total assets | $287,505,500 | 2,349 |
| Average earning assets | $246,258,500 | 2,483 |
| Average equity | $24,667,500 | 2,686 |
| Average total loans | $206,835,000 | 2,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5804% | 2,575 |
| Cost of funding earning assets | 3.1187% | 1,456 |
| Net interest margin | 3.4617% | 5,431 |
| Noninterest income to average assets | 0.6648% | 3,375 |
| Noninterest expense to average assets | 3.9149% | 1,537 |
| Loan and lease loss provision to assets | 0.4451% | 3,066 |
| Net operating income to assets | -0.5674% | 6,977 |
| Return on assets (ROA) | -0.4842% | 6,789 |
| Pretax return on assets | -0.5731% | 6,712 |
| Return on Equity (ROE) | -5.8295% | 6,950 |
| Retained earnings to average equity (ytd only) | -5.8295% | 6,645 |
| Net charge-offs to loans | 1.0353% | 1,194 |
| Credit loss provision to net charge-offs | 60.2646% | 6,228 |
| Earnings coverage of net charge-offs (x) | -0.3075% | 6,419 |
| Efficiency ratio | 106.1581% | 809 |
| Assets per employee ($millions) | 2.6764% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 5,512 |
| Loan loss allowance to noncurrent loans | 42.7367% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 6.6760% | 410 |
| Noncurrent loans to loans | 2.4945% | 2,185 |
| Net loans and leases to total assets | 69.9923% | 4,018 |
| Net loans and leases to deposits | 80.8178% | 4,904 |
| Net loans and leases to core deposits | 124.3581% | 2,298 |
| Total domestic deposits to total assets | 86.6050% | 2,140 |
| Equity capital to assets | 8.5401% | 6,023 |
| Core capital (leverage) ratio | 8.0432% | 6,419 |
| Tier 1 risk-based capital ratio | 10.9331% | 5,785 |
| Total risk-based capital ratio | 11.9415% | 5,919 |
| Memoranda: | ||
| Average total assets | $296,790,000 | 2,221 |
| Average earning assets | $259,180,400 | 2,298 |
| Average equity | $24,650,600 | 2,676 |
| Average total loans | $211,718,800 | 2,191 |