Home > Southwest Bank > Performance and Condition Ratios
Southwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6709% | 297 |
| Cost of funding earning assets | 0.4468% | 4,251 |
| Net interest margin | 6.2241% | 95 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 3.5147% | 571 |
| Loan and lease loss provision to assets | 0.5200% | 171 |
| Net operating income to assets | 2.8820% | 176 |
| Return on assets (ROA) | 2.8365% | 183 |
| Pretax return on assets | 2.8365% | 243 |
| Return on Equity (ROE) | 32.0300% | 153 |
| Retained earnings to average equity (ytd only) | 9.9908% | 1,018 |
| Net charge-offs to loans | 0.2961% | 367 |
| Credit loss provision to net charge-offs | 247.4928% | 1,075 |
| Earnings coverage of net charge-offs (x) | 16.1117% | 2,021 |
| Efficiency ratio | 50.7920% | 3,924 |
| Assets per employee ($millions) | 5.5815% | 3,177 |
| Cash dividends to net income (ytd only)* | 68.8087% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 401 |
| Loan loss allowance to noncurrent loans | 291.4731% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 1,054 |
| Noncurrent loans to loans | 0.6751% | 1,158 |
| Net loans and leases to total assets | 71.5400% | 1,635 |
| Net loans and leases to deposits | 79.7914% | 2,129 |
| Net loans and leases to core deposits | 82.0769% | 2,580 |
| Total domestic deposits to total assets | 89.6500% | 858 |
| Equity capital to assets | 9.5349% | 2,325 |
| Core capital (leverage) ratio | 11.2350% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $660,540,600 | 1,363 |
| Average earning assets | $624,620,400 | 1,334 |
| Average equity | $58,493,600 | 1,418 |
| Average total loans | $471,406,800 | 1,292 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5880% | 283 |
| Cost of funding earning assets | 0.3946% | 4,264 |
| Net interest margin | 6.1934% | 92 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 3.4641% | 577 |
| Loan and lease loss provision to assets | 0.6200% | 119 |
| Net operating income to assets | 2.8401% | 196 |
| Return on assets (ROA) | 2.7920% | 204 |
| Pretax return on assets | 2.7920% | 284 |
| Return on Equity (ROE) | 32.1500% | 189 |
| Retained earnings to average equity (ytd only) | 2.8070% | 3,555 |
| Net charge-offs to loans | 0.0937% | 825 |
| Credit loss provision to net charge-offs | 930.0912% | 425 |
| Earnings coverage of net charge-offs (x) | 52.0091% | 1,291 |
| Efficiency ratio | 50.0394% | 3,909 |
| Assets per employee ($millions) | 5.3703% | 3,287 |
| Cash dividends to net income (ytd only)* | 91.2691% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 315 |
| Loan loss allowance to noncurrent loans | 267.6717% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 987 |
| Noncurrent loans to loans | 0.8079% | 1,027 |
| Net loans and leases to total assets | 72.2700% | 1,544 |
| Net loans and leases to deposits | 79.8310% | 2,066 |
| Net loans and leases to core deposits | 82.4212% | 2,443 |
| Total domestic deposits to total assets | 90.5300% | 795 |
| Equity capital to assets | 8.5793% | 2,678 |
| Core capital (leverage) ratio | 10.4158% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $659,625,000 | 1,364 |
| Average earning assets | $623,720,000 | 1,335 |
| Average equity | $57,284,250 | 1,427 |
| Average total loans | $468,089,000 | 1,296 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4359% | 278 |
| Cost of funding earning assets | 0.3168% | 4,288 |
| Net interest margin | 6.1191% | 102 |
| Noninterest income to average assets | 1.0500% | 525 |
| Noninterest expense to average assets | 3.3868% | 613 |
| Loan and lease loss provision to assets | 0.6300% | 113 |
| Net operating income to assets | 2.8211% | 170 |
| Return on assets (ROA) | 2.7707% | 182 |
| Pretax return on assets | 2.7707% | 260 |
| Return on Equity (ROE) | 31.7800% | 186 |
| Retained earnings to average equity (ytd only) | 14.7737% | 587 |
| Net charge-offs to loans | 0.0467% | 1,040 |
| Credit loss provision to net charge-offs | 1,926.6055% | 274 |
| Earnings coverage of net charge-offs (x) | 105.5138% | 908 |
| Efficiency ratio | 49.5282% | 3,965 |
| Assets per employee ($millions) | 5.6402% | 3,028 |
| Cash dividends to net income (ytd only)* | 53.5146% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 417 |
| Loan loss allowance to noncurrent loans | 241.8284% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 918 |
| Noncurrent loans to loans | 0.8264% | 931 |
| Net loans and leases to total assets | 69.7800% | 1,770 |
| Net loans and leases to deposits | 77.2648% | 2,194 |
| Net loans and leases to core deposits | 78.8466% | 2,555 |
| Total domestic deposits to total assets | 90.3100% | 835 |
| Equity capital to assets | 8.9470% | 2,549 |
| Core capital (leverage) ratio | 10.9529% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $666,478,333 | 1,352 |
| Average earning assets | $630,714,000 | 1,324 |
| Average equity | $58,103,333 | 1,423 |
| Average total loans | $466,760,333 | 1,287 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1924% | 252 |
| Cost of funding earning assets | 0.2289% | 4,331 |
| Net interest margin | 5.9635% | 103 |
| Noninterest income to average assets | 0.9700% | 606 |
| Noninterest expense to average assets | 3.5547% | 506 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 2.7816% | 186 |
| Return on assets (ROA) | 2.7361% | 194 |
| Pretax return on assets | 2.7361% | 276 |
| Return on Equity (ROE) | 31.8000% | 205 |
| Retained earnings to average equity (ytd only) | 22.8434% | 250 |
| Net charge-offs to loans | -0.0035% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.8084% | 3,620 |
| Assets per employee ($millions) | 5.4766% | 3,239 |
| Cash dividends to net income (ytd only)* | 28.1675% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 790 |
| Loan loss allowance to noncurrent loans | 210.9840% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 909 |
| Noncurrent loans to loans | 0.8111% | 944 |
| Net loans and leases to total assets | 68.7500% | 1,760 |
| Net loans and leases to deposits | 76.2615% | 2,092 |
| Net loans and leases to core deposits | 77.9903% | 2,391 |
| Total domestic deposits to total assets | 90.1600% | 1,101 |
| Equity capital to assets | 8.8546% | 2,628 |
| Core capital (leverage) ratio | 10.6893% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $666,946,000 | 1,368 |
| Average earning assets | $630,836,500 | 1,341 |
| Average equity | $57,382,000 | 1,445 |
| Average total loans | $463,212,000 | 1,307 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 670 |
| Cost of funding earning assets | 0.0426% | 4,588 |
| Net interest margin | 4.5030% | 290 |
| Noninterest income to average assets | 1.1600% | 505 |
| Noninterest expense to average assets | 3.3880% | 552 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.8772% | 368 |
| Return on assets (ROA) | 1.8446% | 377 |
| Pretax return on assets | 1.8446% | 654 |
| Return on Equity (ROE) | 22.3300% | 320 |
| Retained earnings to average equity (ytd only) | 10.3186% | 1,064 |
| Net charge-offs to loans | 0.1071% | 696 |
| Credit loss provision to net charge-offs | 272.1719% | 958 |
| Earnings coverage of net charge-offs (x) | 31.1357% | 1,661 |
| Efficiency ratio | 62.2224% | 2,730 |
| Assets per employee ($millions) | 5.4131% | 3,301 |
| Cash dividends to net income (ytd only)* | 53.7963% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 1,941 |
| Loan loss allowance to noncurrent loans | 664.3333% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,585 |
| Noncurrent loans to loans | 0.1944% | 2,505 |
| Net loans and leases to total assets | 68.0700% | 1,821 |
| Net loans and leases to deposits | 74.7050% | 2,198 |
| Net loans and leases to core deposits | 76.0564% | 2,417 |
| Total domestic deposits to total assets | 91.1200% | 909 |
| Equity capital to assets | 8.3560% | 2,810 |
| Core capital (leverage) ratio | 10.3209% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $669,035,000 | 1,347 |
| Average earning assets | $635,915,400 | 1,323 |
| Average equity | $55,259,200 | 1,497 |
| Average total loans | $412,581,000 | 1,355 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 953 |
| Cost of funding earning assets | 0.0289% | 4,640 |
| Net interest margin | 4.1339% | 484 |
| Noninterest income to average assets | 1.2300% | 490 |
| Noninterest expense to average assets | 3.3262% | 571 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.6752% | 564 |
| Return on assets (ROA) | 1.6439% | 587 |
| Pretax return on assets | 1.6439% | 1,016 |
| Return on Equity (ROE) | 19.9600% | 436 |
| Retained earnings to average equity (ytd only) | 4.6791% | 3,207 |
| Net charge-offs to loans | 0.0957% | 645 |
| Credit loss provision to net charge-offs | 293.7282% | 824 |
| Earnings coverage of net charge-offs (x) | 32.2021% | 1,494 |
| Efficiency ratio | 64.3428% | 2,497 |
| Assets per employee ($millions) | 5.1556% | 3,545 |
| Cash dividends to net income (ytd only)* | 76.5591% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,742 |
| Loan loss allowance to noncurrent loans | 605.1363% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,587 |
| Noncurrent loans to loans | 0.2254% | 2,487 |
| Net loans and leases to total assets | 63.7500% | 2,118 |
| Net loans and leases to deposits | 69.7144% | 2,390 |
| Net loans and leases to core deposits | 71.8520% | 2,494 |
| Total domestic deposits to total assets | 91.4400% | 1,071 |
| Equity capital to assets | 7.9449% | 2,932 |
| Core capital (leverage) ratio | 10.1279% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $668,486,750 | 1,356 |
| Average earning assets | $636,344,750 | 1,329 |
| Average equity | $55,052,000 | 1,511 |
| Average total loans | $400,005,750 | 1,384 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 1,278 |
| Cost of funding earning assets | 0.0281% | 4,697 |
| Net interest margin | 3.7890% | 771 |
| Noninterest income to average assets | 1.3083% | 420 |
| Noninterest expense to average assets | 3.2874% | 557 |
| Loan and lease loss provision to assets | 0.1738% | 512 |
| Net operating income to assets | 1.4593% | 777 |
| Return on assets (ROA) | 1.4329% | 812 |
| Pretax return on assets | 1.4329% | 1,350 |
| Return on Equity (ROE) | 17.2022% | 546 |
| Retained earnings to average equity (ytd only) | -0.7385% | 4,272 |
| Net charge-offs to loans | 0.1310% | 484 |
| Credit loss provision to net charge-offs | 227.6265% | 913 |
| Earnings coverage of net charge-offs (x) | 21.3852% | 1,525 |
| Efficiency ratio | 66.8096% | 2,402 |
| Assets per employee ($millions) | 4.9613% | 3,711 |
| Cash dividends to net income (ytd only)* | 104.2928% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,898 |
| Loan loss allowance to noncurrent loans | 542.5636% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 2,560 |
| Noncurrent loans to loans | 0.2518% | 2,472 |
| Net loans and leases to total assets | 64.0390% | 1,909 |
| Net loans and leases to deposits | 70.3278% | 2,171 |
| Net loans and leases to core deposits | 73.5490% | 2,203 |
| Total domestic deposits to total assets | 91.0578% | 1,202 |
| Equity capital to assets | 8.3353% | 2,880 |
| Core capital (leverage) ratio | 10.0224% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $673,062,667 | 1,358 |
| Average earning assets | $641,651,667 | 1,338 |
| Average equity | $56,062,667 | 1,524 |
| Average total loans | $392,284,333 | 1,402 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4300% | 2,002 |
| Cost of funding earning assets | 0.0282% | 4,713 |
| Net interest margin | 3.4018% | 1,295 |
| Noninterest income to average assets | 1.3968% | 386 |
| Noninterest expense to average assets | 3.1958% | 607 |
| Loan and lease loss provision to assets | 0.0947% | 871 |
| Net operating income to assets | 1.3601% | 883 |
| Return on assets (ROA) | 1.3319% | 925 |
| Pretax return on assets | 1.3319% | 1,430 |
| Return on Equity (ROE) | 15.9956% | 533 |
| Retained earnings to average equity (ytd only) | 2.7153% | 3,359 |
| Net charge-offs to loans | 0.1162% | 466 |
| Credit loss provision to net charge-offs | 147.3214% | 867 |
| Earnings coverage of net charge-offs (x) | 22.6339% | 1,238 |
| Efficiency ratio | 68.7192% | 2,413 |
| Assets per employee ($millions) | 5.2899% | 3,495 |
| Cash dividends to net income (ytd only)* | 83.0246% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 2,019 |
| Loan loss allowance to noncurrent loans | 208.1754% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,530 |
| Noncurrent loans to loans | 0.6592% | 1,439 |
| Net loans and leases to total assets | 58.6965% | 2,215 |
| Net loans and leases to deposits | 65.2324% | 2,409 |
| Net loans and leases to core deposits | 68.2624% | 2,433 |
| Total domestic deposits to total assets | 89.9806% | 1,573 |
| Equity capital to assets | 9.0206% | 2,692 |
| Core capital (leverage) ratio | 9.0482% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4771% | 2,001 |
| Memoranda: | ||
| Average total assets | $697,032,000 | 1,326 |
| Average earning assets | $666,711,500 | 1,303 |
| Average equity | $58,041,000 | 1,523 |
| Average total loans | $385,492,500 | 1,413 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 1,142 |
| Cost of funding earning assets | 0.0468% | 4,699 |
| Net interest margin | 4.0637% | 631 |
| Noninterest income to average assets | 1.4218% | 554 |
| Noninterest expense to average assets | 3.4708% | 500 |
| Loan and lease loss provision to assets | 0.0941% | 1,330 |
| Net operating income to assets | 1.7204% | 601 |
| Return on assets (ROA) | 1.7110% | 639 |
| Pretax return on assets | 1.7110% | 1,117 |
| Return on Equity (ROE) | 20.2414% | 301 |
| Retained earnings to average equity (ytd only) | 11.5518% | 606 |
| Net charge-offs to loans | -0.0739% | 4,480 |
| Credit loss provision to net charge-offs | -193.6027% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6693% | 2,307 |
| Assets per employee ($millions) | 6.1876% | 2,583 |
| Cash dividends to net income (ytd only)* | 42.9296% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,145 |
| Loan loss allowance to noncurrent loans | 112.2660% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 1,053 |
| Noncurrent loans to loans | 1.2011% | 800 |
| Net loans and leases to total assets | 50.9804% | 3,177 |
| Net loans and leases to deposits | 55.6857% | 3,448 |
| Net loans and leases to core deposits | 58.0221% | 3,472 |
| Total domestic deposits to total assets | 91.5504% | 301 |
| Equity capital to assets | 7.7289% | 4,493 |
| Core capital (leverage) ratio | 9.0388% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $610,863,400 | 1,428 |
| Average earning assets | $580,771,400 | 1,410 |
| Average equity | $51,636,800 | 1,714 |
| Average total loans | $401,667,000 | 1,368 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 893 |
| Cost of funding earning assets | 0.0528% | 4,767 |
| Net interest margin | 4.2917% | 460 |
| Noninterest income to average assets | 1.5188% | 535 |
| Noninterest expense to average assets | 3.6106% | 405 |
| Loan and lease loss provision to assets | 0.1041% | 1,159 |
| Net operating income to assets | 1.8681% | 589 |
| Return on assets (ROA) | 1.8635% | 615 |
| Pretax return on assets | 1.8635% | 1,012 |
| Return on Equity (ROE) | 21.4480% | 326 |
| Retained earnings to average equity (ytd only) | 9.5020% | 1,483 |
| Net charge-offs to loans | -0.1030% | 4,621 |
| Credit loss provision to net charge-offs | -143.7700% | 3,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6737% | 2,289 |
| Assets per employee ($millions) | 5.0518% | 3,650 |
| Cash dividends to net income (ytd only)* | 55.6976% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,503 |
| Loan loss allowance to noncurrent loans | 289.2412% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 2,217 |
| Noncurrent loans to loans | 0.4484% | 2,215 |
| Net loans and leases to total assets | 63.0700% | 1,882 |
| Net loans and leases to deposits | 70.1102% | 2,233 |
| Net loans and leases to core deposits | 74.4646% | 2,189 |
| Total domestic deposits to total assets | 89.9584% | 790 |
| Equity capital to assets | 9.1723% | 3,680 |
| Core capital (leverage) ratio | 9.2545% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,405,000 | 1,518 |
| Average earning assets | $545,819,750 | 1,501 |
| Average equity | $50,079,500 | 1,777 |
| Average total loans | $405,357,250 | 1,389 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 940 |
| Cost of funding earning assets | 0.0593% | 4,789 |
| Net interest margin | 4.2786% | 511 |
| Noninterest income to average assets | 1.5390% | 525 |
| Noninterest expense to average assets | 3.6253% | 397 |
| Loan and lease loss provision to assets | 0.1066% | 1,178 |
| Net operating income to assets | 1.8544% | 645 |
| Return on assets (ROA) | 1.8547% | 674 |
| Pretax return on assets | 1.8547% | 1,112 |
| Return on Equity (ROE) | 21.7904% | 333 |
| Retained earnings to average equity (ytd only) | 7.0103% | 2,430 |
| Net charge-offs to loans | -0.1530% | 4,734 |
| Credit loss provision to net charge-offs | -95.8466% | 3,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8970% | 2,310 |
| Assets per employee ($millions) | 5.0880% | 3,575 |
| Cash dividends to net income (ytd only)* | 67.8284% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,863 |
| Loan loss allowance to noncurrent loans | 265.9871% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 2,203 |
| Noncurrent loans to loans | 0.4557% | 2,311 |
| Net loans and leases to total assets | 69.6723% | 1,239 |
| Net loans and leases to deposits | 77.1350% | 1,712 |
| Net loans and leases to core deposits | 82.1851% | 1,707 |
| Total domestic deposits to total assets | 90.3252% | 635 |
| Equity capital to assets | 8.8395% | 3,934 |
| Core capital (leverage) ratio | 8.7156% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,102,000 | 1,542 |
| Average earning assets | $532,650,667 | 1,521 |
| Average equity | $47,929,333 | 1,834 |
| Average total loans | $409,204,000 | 1,385 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 1,193 |
| Cost of funding earning assets | 0.0594% | 4,825 |
| Net interest margin | 4.1464% | 667 |
| Noninterest income to average assets | 1.6898% | 498 |
| Noninterest expense to average assets | 3.5988% | 413 |
| Loan and lease loss provision to assets | 0.1082% | 1,277 |
| Net operating income to assets | 1.9126% | 653 |
| Return on assets (ROA) | 1.9162% | 696 |
| Pretax return on assets | 1.9162% | 1,089 |
| Return on Equity (ROE) | 22.9755% | 339 |
| Retained earnings to average equity (ytd only) | 7.7738% | 2,324 |
| Net charge-offs to loans | -0.2991% | 4,847 |
| Credit loss provision to net charge-offs | -49.0196% | 2,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0400% | 2,457 |
| Assets per employee ($millions) | 4.9149% | 3,749 |
| Cash dividends to net income (ytd only)* | 66.1648% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 3,308 |
| Loan loss allowance to noncurrent loans | 521.2812% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,233 |
| Noncurrent loans to loans | 0.2159% | 3,334 |
| Net loans and leases to total assets | 73.3514% | 868 |
| Net loans and leases to deposits | 81.0591% | 1,417 |
| Net loans and leases to core deposits | 86.0348% | 1,517 |
| Total domestic deposits to total assets | 90.4913% | 586 |
| Equity capital to assets | 8.8395% | 3,845 |
| Core capital (leverage) ratio | 8.9498% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1703% | 1,517 |
| Memoranda: | ||
| Average total assets | $554,635,500 | 1,549 |
| Average earning assets | $525,664,000 | 1,526 |
| Average equity | $46,258,000 | 1,879 |
| Average total loans | $409,265,000 | 1,387 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 1,526 |
| Cost of funding earning assets | 0.0935% | 4,874 |
| Net interest margin | 4.3261% | 481 |
| Noninterest income to average assets | 1.4254% | 584 |
| Noninterest expense to average assets | 3.7124% | 518 |
| Loan and lease loss provision to assets | 0.3330% | 1,070 |
| Net operating income to assets | 1.4571% | 907 |
| Return on assets (ROA) | 1.4584% | 982 |
| Pretax return on assets | 1.4584% | 1,478 |
| Return on Equity (ROE) | 18.5592% | 299 |
| Retained earnings to average equity (ytd only) | 7.3214% | 1,271 |
| Net charge-offs to loans | 0.2744% | 624 |
| Credit loss provision to net charge-offs | 167.3171% | 2,334 |
| Earnings coverage of net charge-offs (x) | 8.9941% | 2,550 |
| Efficiency ratio | 66.7302% | 2,405 |
| Assets per employee ($millions) | 4.8566% | 3,540 |
| Cash dividends to net income (ytd only)* | 60.5512% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,421 |
| Loan loss allowance to noncurrent loans | 353.2520% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 2,764 |
| Noncurrent loans to loans | 0.3138% | 3,075 |
| Net loans and leases to total assets | 72.5499% | 1,221 |
| Net loans and leases to deposits | 79.3531% | 1,941 |
| Net loans and leases to core deposits | 84.6075% | 1,983 |
| Total domestic deposits to total assets | 91.4267% | 144 |
| Equity capital to assets | 7.8029% | 4,771 |
| Core capital (leverage) ratio | 7.4396% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4375% | 2,474 |
| Memoranda: | ||
| Average total assets | $515,009,400 | 1,505 |
| Average earning assets | $485,361,800 | 1,491 |
| Average equity | $40,470,600 | 2,005 |
| Average total loans | $373,531,000 | 1,436 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,494 |
| Cost of funding earning assets | 0.1007% | 4,915 |
| Net interest margin | 4.4357% | 442 |
| Noninterest income to average assets | 1.3840% | 580 |
| Noninterest expense to average assets | 3.7129% | 519 |
| Loan and lease loss provision to assets | 0.3307% | 1,175 |
| Net operating income to assets | 1.5186% | 869 |
| Return on assets (ROA) | 1.5188% | 943 |
| Pretax return on assets | 1.5188% | 1,406 |
| Return on Equity (ROE) | 19.2923% | 276 |
| Retained earnings to average equity (ytd only) | 4.5608% | 2,767 |
| Net charge-offs to loans | 0.2848% | 556 |
| Credit loss provision to net charge-offs | 160.5330% | 2,265 |
| Earnings coverage of net charge-offs (x) | 8.9797% | 2,459 |
| Efficiency ratio | 65.9932% | 2,464 |
| Assets per employee ($millions) | 4.7882% | 3,501 |
| Cash dividends to net income (ytd only)* | 76.3593% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,774 |
| Loan loss allowance to noncurrent loans | 387.8873% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,316 |
| Noncurrent loans to loans | 0.2535% | 3,395 |
| Net loans and leases to total assets | 77.5654% | 887 |
| Net loans and leases to deposits | 84.8507% | 1,824 |
| Net loans and leases to core deposits | 90.5295% | 1,928 |
| Total domestic deposits to total assets | 91.4140% | 110 |
| Equity capital to assets | 7.5368% | 4,849 |
| Core capital (leverage) ratio | 6.8965% | 4,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1432% | 2,564 |
| Memoranda: | ||
| Average total assets | $510,205,000 | 1,495 |
| Average earning assets | $480,570,500 | 1,478 |
| Average equity | $40,167,000 | 2,010 |
| Average total loans | $368,932,250 | 1,447 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 1,337 |
| Cost of funding earning assets | 0.1115% | 4,951 |
| Net interest margin | 4.6168% | 403 |
| Noninterest income to average assets | 1.2418% | 654 |
| Noninterest expense to average assets | 3.6115% | 642 |
| Loan and lease loss provision to assets | 0.3250% | 1,315 |
| Net operating income to assets | 1.6462% | 681 |
| Return on assets (ROA) | 1.6458% | 742 |
| Pretax return on assets | 1.6458% | 1,115 |
| Return on Equity (ROE) | 20.5921% | 219 |
| Retained earnings to average equity (ytd only) | 14.9389% | 224 |
| Net charge-offs to loans | 0.1023% | 1,254 |
| Credit loss provision to net charge-offs | 452.7778% | 1,296 |
| Earnings coverage of net charge-offs (x) | 27.4611% | 1,491 |
| Efficiency ratio | 63.9189% | 2,834 |
| Assets per employee ($millions) | 5.3983% | 2,739 |
| Cash dividends to net income (ytd only)* | 27.4534% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,632 |
| Loan loss allowance to noncurrent loans | 218.4921% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 2,857 |
| Noncurrent loans to loans | 0.4523% | 2,792 |
| Net loans and leases to total assets | 73.0279% | 1,551 |
| Net loans and leases to deposits | 79.6400% | 2,472 |
| Net loans and leases to core deposits | 84.7623% | 2,551 |
| Total domestic deposits to total assets | 91.6975% | 71 |
| Equity capital to assets | 7.1720% | 4,943 |
| Core capital (leverage) ratio | 6.6197% | 5,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8031% | 2,688 |
| Memoranda: | ||
| Average total assets | $501,514,000 | 1,492 |
| Average earning assets | $471,543,667 | 1,476 |
| Average equity | $40,083,333 | 1,995 |
| Average total loans | $351,877,333 | 1,485 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 1,222 |
| Cost of funding earning assets | 0.1121% | 5,028 |
| Net interest margin | 4.7747% | 290 |
| Noninterest income to average assets | 1.3195% | 514 |
| Noninterest expense to average assets | 3.7811% | 637 |
| Loan and lease loss provision to assets | 0.3144% | 986 |
| Net operating income to assets | 1.6871% | 528 |
| Return on assets (ROA) | 1.6775% | 591 |
| Pretax return on assets | 1.6775% | 897 |
| Return on Equity (ROE) | 19.6902% | 174 |
| Retained earnings to average equity (ytd only) | 8.2410% | 1,158 |
| Net charge-offs to loans | -0.0026% | 3,696 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5726% | 3,136 |
| Assets per employee ($millions) | 4.2577% | 3,586 |
| Cash dividends to net income (ytd only)* | 58.1468% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,492 |
| Loan loss allowance to noncurrent loans | 177.8565% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 2,421 |
| Noncurrent loans to loans | 0.6935% | 2,263 |
| Net loans and leases to total assets | 69.9308% | 2,263 |
| Net loans and leases to deposits | 77.1971% | 2,951 |
| Net loans and leases to core deposits | 83.6826% | 2,877 |
| Total domestic deposits to total assets | 90.5874% | 174 |
| Equity capital to assets | 8.6708% | 4,756 |
| Core capital (leverage) ratio | 8.2153% | 4,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6694% | 3,194 |
| Memoranda: | ||
| Average total assets | $458,065,500 | 1,575 |
| Average earning assets | $428,177,500 | 1,565 |
| Average equity | $39,024,500 | 2,025 |
| Average total loans | $310,819,500 | 1,591 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3248% | 780 |
| Cost of funding earning assets | 0.1125% | 5,090 |
| Net interest margin | 5.2123% | 190 |
| Noninterest income to average assets | 1.3090% | 554 |
| Noninterest expense to average assets | 4.1381% | 451 |
| Loan and lease loss provision to assets | 0.2788% | 629 |
| Net operating income to assets | 1.7486% | 596 |
| Return on assets (ROA) | 1.7247% | 668 |
| Pretax return on assets | 1.7247% | 1,128 |
| Return on Equity (ROE) | 20.3146% | 202 |
| Retained earnings to average equity (ytd only) | 2.2919% | 3,874 |
| Net charge-offs to loans | 0.4285% | 448 |
| Credit loss provision to net charge-offs | 102.8644% | 2,413 |
| Earnings coverage of net charge-offs (x) | 7.4794% | 2,871 |
| Efficiency ratio | 66.3160% | 2,724 |
| Assets per employee ($millions) | 4.3047% | 3,503 |
| Cash dividends to net income (ytd only)* | 88.7182% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,262 |
| Loan loss allowance to noncurrent loans | 209.3356% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 2,880 |
| Noncurrent loans to loans | 0.5897% | 2,414 |
| Net loans and leases to total assets | 64.0817% | 3,189 |
| Net loans and leases to deposits | 70.4990% | 3,630 |
| Net loans and leases to core deposits | 76.0984% | 3,570 |
| Total domestic deposits to total assets | 90.8973% | 130 |
| Equity capital to assets | 8.3668% | 4,963 |
| Core capital (leverage) ratio | 8.0875% | 5,013 |
| Tier 1 risk-based capital ratio | 11.0172% | 4,852 |
| Total risk-based capital ratio | 12.1542% | 4,797 |
| Memoranda: | ||
| Average total assets | $437,881,800 | 1,603 |
| Average earning assets | $407,998,000 | 1,591 |
| Average equity | $37,175,200 | 2,050 |
| Average total loans | $277,018,600 | 1,704 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 621 |
| Cost of funding earning assets | 0.1120% | 5,168 |
| Net interest margin | 5.3580% | 151 |
| Noninterest income to average assets | 1.2897% | 559 |
| Noninterest expense to average assets | 4.2038% | 410 |
| Loan and lease loss provision to assets | 0.3025% | 487 |
| Net operating income to assets | 1.7734% | 643 |
| Return on assets (ROA) | 1.7417% | 724 |
| Pretax return on assets | 1.7417% | 1,219 |
| Return on Equity (ROE) | 20.4376% | 224 |
| Retained earnings to average equity (ytd only) | -1.3324% | 4,885 |
| Net charge-offs to loans | 0.5470% | 303 |
| Credit loss provision to net charge-offs | 88.0036% | 2,415 |
| Earnings coverage of net charge-offs (x) | 6.0394% | 2,867 |
| Efficiency ratio | 66.1489% | 2,705 |
| Assets per employee ($millions) | 4.1910% | 3,628 |
| Cash dividends to net income (ytd only)* | 106.5195% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,182 |
| Loan loss allowance to noncurrent loans | 140.4512% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 2,348 |
| Noncurrent loans to loans | 0.8958% | 1,786 |
| Net loans and leases to total assets | 61.0087% | 3,592 |
| Net loans and leases to deposits | 67.2447% | 3,973 |
| Net loans and leases to core deposits | 72.9360% | 3,894 |
| Total domestic deposits to total assets | 90.7264% | 133 |
| Equity capital to assets | 8.2670% | 5,076 |
| Core capital (leverage) ratio | 8.2236% | 5,058 |
| Tier 1 risk-based capital ratio | 11.2833% | 4,767 |
| Total risk-based capital ratio | 12.3614% | 4,755 |
| Memoranda: | ||
| Average total assets | $433,276,750 | 1,624 |
| Average earning assets | $403,525,500 | 1,611 |
| Average equity | $36,924,500 | 2,065 |
| Average total loans | $272,258,000 | 1,735 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6456% | 442 |
| Cost of funding earning assets | 0.1082% | 5,214 |
| Net interest margin | 5.5374% | 120 |
| Noninterest income to average assets | 1.2036% | 588 |
| Noninterest expense to average assets | 4.0535% | 499 |
| Loan and lease loss provision to assets | 0.3550% | 364 |
| Net operating income to assets | 1.9579% | 414 |
| Return on assets (ROA) | 1.9579% | 438 |
| Pretax return on assets | 1.9579% | 740 |
| Return on Equity (ROE) | 22.7073% | 144 |
| Retained earnings to average equity (ytd only) | 4.9943% | 2,776 |
| Net charge-offs to loans | -0.0436% | 4,796 |
| Credit loss provision to net charge-offs | -1,288.1356% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8787% | 3,305 |
| Assets per employee ($millions) | 4.1086% | 3,715 |
| Cash dividends to net income (ytd only)* | 78.0057% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,108 |
| Loan loss allowance to noncurrent loans | 907.9755% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,191 |
| Noncurrent loans to loans | 0.1725% | 3,936 |
| Net loans and leases to total assets | 64.6937% | 3,270 |
| Net loans and leases to deposits | 71.8165% | 3,703 |
| Net loans and leases to core deposits | 77.3692% | 3,621 |
| Total domestic deposits to total assets | 90.0819% | 310 |
| Equity capital to assets | 8.8395% | 4,887 |
| Core capital (leverage) ratio | 8.5926% | 4,918 |
| Tier 1 risk-based capital ratio | 11.7451% | 4,546 |
| Total risk-based capital ratio | 12.9976% | 4,446 |
| Memoranda: | ||
| Average total assets | $428,224,670 | 1,643 |
| Average earning assets | $399,251,000 | 1,635 |
| Average equity | $36,922,000 | 2,064 |
| Average total loans | $270,654,330 | 1,750 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5684% | 457 |
| Cost of funding earning assets | 0.1055% | 5,273 |
| Net interest margin | 5.4628% | 134 |
| Noninterest income to average assets | 1.1157% | 651 |
| Noninterest expense to average assets | 4.1150% | 453 |
| Loan and lease loss provision to assets | 0.2625% | 539 |
| Net operating income to assets | 1.8339% | 525 |
| Return on assets (ROA) | 1.8339% | 539 |
| Pretax return on assets | 1.8339% | 904 |
| Return on Equity (ROE) | 21.5442% | 193 |
| Retained earnings to average equity (ytd only) | 4.3948% | 3,173 |
| Net charge-offs to loans | -0.1241% | 5,077 |
| Credit loss provision to net charge-offs | -341.4634% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4340% | 3,020 |
| Assets per employee ($millions) | 4.1487% | 3,703 |
| Cash dividends to net income (ytd only)* | 79.6012% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,412 |
| Loan loss allowance to noncurrent loans | 673.9425% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 4,024 |
| Noncurrent loans to loans | 0.2188% | 3,805 |
| Net loans and leases to total assets | 61.0789% | 3,592 |
| Net loans and leases to deposits | 67.6339% | 3,951 |
| Net loans and leases to core deposits | 72.7024% | 3,895 |
| Total domestic deposits to total assets | 90.3082% | 354 |
| Equity capital to assets | 8.4249% | 5,029 |
| Core capital (leverage) ratio | 8.6565% | 4,909 |
| Tier 1 risk-based capital ratio | 12.3423% | 4,273 |
| Total risk-based capital ratio | 13.5940% | 4,139 |
| Memoranda: | ||
| Average total assets | $426,635,000 | 1,654 |
| Average earning assets | $397,962,500 | 1,646 |
| Average equity | $36,316,000 | 2,082 |
| Average total loans | $264,216,000 | 1,785 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 432 |
| Cost of funding earning assets | 0.1192% | 5,247 |
| Net interest margin | 5.3453% | 145 |
| Noninterest income to average assets | 1.1308% | 722 |
| Noninterest expense to average assets | 4.0506% | 497 |
| Loan and lease loss provision to assets | 0.1526% | 1,389 |
| Net operating income to assets | 1.8946% | 451 |
| Return on assets (ROA) | 1.8946% | 448 |
| Pretax return on assets | 1.8946% | 726 |
| Return on Equity (ROE) | 21.8095% | 162 |
| Retained earnings to average equity (ytd only) | 6.1923% | 2,098 |
| Net charge-offs to loans | 0.2820% | 685 |
| Credit loss provision to net charge-offs | 84.0278% | 2,801 |
| Earnings coverage of net charge-offs (x) | 11.2694% | 2,639 |
| Efficiency ratio | 65.4957% | 2,952 |
| Assets per employee ($millions) | 3.9777% | 3,916 |
| Cash dividends to net income (ytd only)* | 71.6074% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,633 |
| Loan loss allowance to noncurrent loans | 717.0297% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 4,218 |
| Noncurrent loans to loans | 0.1954% | 3,878 |
| Net loans and leases to total assets | 60.9975% | 3,666 |
| Net loans and leases to deposits | 68.0793% | 3,972 |
| Net loans and leases to core deposits | 73.6187% | 3,882 |
| Total domestic deposits to total assets | 89.5976% | 624 |
| Equity capital to assets | 8.7022% | 4,799 |
| Core capital (leverage) ratio | 8.7833% | 4,821 |
| Tier 1 risk-based capital ratio | 12.8683% | 3,924 |
| Total risk-based capital ratio | 14.1195% | 3,821 |
| Memoranda: | ||
| Average total assets | $396,340,400 | 1,729 |
| Average earning assets | $368,287,600 | 1,732 |
| Average equity | $34,430,000 | 2,095 |
| Average total loans | $255,297,600 | 1,801 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4593% | 395 |
| Cost of funding earning assets | 0.1197% | 5,306 |
| Net interest margin | 5.3396% | 139 |
| Noninterest income to average assets | 1.1222% | 743 |
| Noninterest expense to average assets | 4.0656% | 484 |
| Loan and lease loss provision to assets | 0.0887% | 2,200 |
| Net operating income to assets | 1.9273% | 454 |
| Return on assets (ROA) | 1.9273% | 452 |
| Pretax return on assets | 1.9273% | 773 |
| Return on Equity (ROE) | 22.1960% | 157 |
| Retained earnings to average equity (ytd only) | 2.1992% | 4,508 |
| Net charge-offs to loans | 0.0492% | 2,122 |
| Credit loss provision to net charge-offs | 276.5957% | 1,088 |
| Earnings coverage of net charge-offs (x) | 62.8937% | 1,027 |
| Efficiency ratio | 65.8929% | 2,889 |
| Assets per employee ($millions) | 4.0646% | 3,793 |
| Cash dividends to net income (ytd only)* | 90.0920% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,205 |
| Loan loss allowance to noncurrent loans | 526.5857% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,043 |
| Noncurrent loans to loans | 0.2935% | 3,627 |
| Net loans and leases to total assets | 60.5505% | 3,789 |
| Net loans and leases to deposits | 67.1515% | 4,113 |
| Net loans and leases to core deposits | 72.6669% | 4,031 |
| Total domestic deposits to total assets | 90.1700% | 455 |
| Equity capital to assets | 8.3446% | 5,014 |
| Core capital (leverage) ratio | 8.9245% | 4,772 |
| Tier 1 risk-based capital ratio | 12.7817% | 4,036 |
| Total risk-based capital ratio | 14.0344% | 3,933 |
| Memoranda: | ||
| Average total assets | $391,011,750 | 1,761 |
| Average earning assets | $363,163,500 | 1,760 |
| Average equity | $33,951,250 | 2,117 |
| Average total loans | $254,527,000 | 1,812 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3832% | 403 |
| Cost of funding earning assets | 0.1189% | 5,350 |
| Net interest margin | 5.2643% | 149 |
| Noninterest income to average assets | 1.1168% | 765 |
| Noninterest expense to average assets | 4.0925% | 476 |
| Loan and lease loss provision to assets | 0.0936% | 2,050 |
| Net operating income to assets | 1.8132% | 568 |
| Return on assets (ROA) | 1.8132% | 570 |
| Pretax return on assets | 1.8132% | 931 |
| Return on Equity (ROE) | 20.5972% | 227 |
| Retained earnings to average equity (ytd only) | -4.5496% | 5,268 |
| Net charge-offs to loans | 0.0024% | 3,120 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,222.0000% | 62 |
| Efficiency ratio | 67.2013% | 2,782 |
| Assets per employee ($millions) | 3.9899% | 3,915 |
| Cash dividends to net income (ytd only)* | 122.0884% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,313 |
| Loan loss allowance to noncurrent loans | 346.8972% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 3,612 |
| Noncurrent loans to loans | 0.4399% | 3,116 |
| Net loans and leases to total assets | 64.5718% | 3,333 |
| Net loans and leases to deposits | 71.7526% | 3,730 |
| Net loans and leases to core deposits | 77.6837% | 3,602 |
| Total domestic deposits to total assets | 89.9924% | 578 |
| Equity capital to assets | 8.4934% | 4,945 |
| Core capital (leverage) ratio | 8.7388% | 4,937 |
| Tier 1 risk-based capital ratio | 12.1236% | 4,419 |
| Total risk-based capital ratio | 13.3760% | 4,297 |
| Memoranda: | ||
| Average total assets | $384,506,670 | 1,795 |
| Average earning assets | $356,628,670 | 1,794 |
| Average equity | $33,849,330 | 2,130 |
| Average total loans | $255,210,000 | 1,820 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 464 |
| Cost of funding earning assets | 0.1188% | 5,394 |
| Net interest margin | 5.1089% | 189 |
| Noninterest income to average assets | 0.9757% | 965 |
| Noninterest expense to average assets | 4.0802% | 481 |
| Loan and lease loss provision to assets | 0.1416% | 1,331 |
| Net operating income to assets | 1.4919% | 1,100 |
| Return on assets (ROA) | 1.4919% | 1,106 |
| Pretax return on assets | 1.4919% | 1,697 |
| Return on Equity (ROE) | 16.6467% | 545 |
| Retained earnings to average equity (ytd only) | -4.6241% | 5,184 |
| Net charge-offs to loans | -0.0031% | 3,887 |
| Credit loss provision to net charge-offs | -6,750.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2534% | 2,448 |
| Assets per employee ($millions) | 3.9507% | 4,061 |
| Cash dividends to net income (ytd only)* | 127.7778% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 1,376 |
| Loan loss allowance to noncurrent loans | 586.8182% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,232 |
| Noncurrent loans to loans | 0.2596% | 3,830 |
| Net loans and leases to total assets | 64.6708% | 3,218 |
| Net loans and leases to deposits | 71.8931% | 3,617 |
| Net loans and leases to core deposits | 77.5033% | 3,536 |
| Total domestic deposits to total assets | 89.9541% | 672 |
| Equity capital to assets | 8.7206% | 4,808 |
| Core capital (leverage) ratio | 8.9641% | 4,715 |
| Tier 1 risk-based capital ratio | 11.9237% | 4,589 |
| Total risk-based capital ratio | 13.1758% | 4,489 |
| Memoranda: | ||
| Average total assets | $381,254,500 | 1,818 |
| Average earning assets | $353,582,000 | 1,820 |
| Average equity | $34,169,000 | 2,135 |
| Average total loans | $254,617,000 | 1,831 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 567 |
| Cost of funding earning assets | 0.1062% | 5,474 |
| Net interest margin | 4.9596% | 249 |
| Noninterest income to average assets | 1.3218% | 607 |
| Noninterest expense to average assets | 4.1505% | 449 |
| Loan and lease loss provision to assets | 0.1066% | 2,101 |
| Net operating income to assets | 1.6310% | 612 |
| Return on assets (ROA) | 1.6310% | 632 |
| Pretax return on assets | 1.6310% | 1,217 |
| Return on Equity (ROE) | 16.9846% | 395 |
| Retained earnings to average equity (ytd only) | 4.9760% | 2,142 |
| Net charge-offs to loans | 0.0552% | 2,699 |
| Credit loss provision to net charge-offs | 259.0278% | 1,073 |
| Earnings coverage of net charge-offs (x) | 42.2222% | 1,214 |
| Efficiency ratio | 69.8393% | 2,584 |
| Assets per employee ($millions) | 3.9930% | 3,972 |
| Cash dividends to net income (ytd only)* | 70.7026% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,526 |
| Loan loss allowance to noncurrent loans | 480.2057% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 4,102 |
| Noncurrent loans to loans | 0.3051% | 3,687 |
| Net loans and leases to total assets | 66.9366% | 2,974 |
| Net loans and leases to deposits | 74.5338% | 3,472 |
| Net loans and leases to core deposits | 80.5953% | 3,373 |
| Total domestic deposits to total assets | 89.8070% | 641 |
| Equity capital to assets | 9.2115% | 4,516 |
| Core capital (leverage) ratio | 8.9791% | 4,670 |
| Tier 1 risk-based capital ratio | 11.9740% | 4,546 |
| Total risk-based capital ratio | 13.2254% | 4,433 |
| Memoranda: | ||
| Average total assets | $349,908,600 | 1,917 |
| Average earning assets | $322,162,400 | 1,930 |
| Average equity | $33,601,000 | 2,147 |
| Average total loans | $260,962,200 | 1,756 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 696 |
| Cost of funding earning assets | 0.0990% | 5,557 |
| Net interest margin | 4.8398% | 311 |
| Noninterest income to average assets | 1.3925% | 545 |
| Noninterest expense to average assets | 4.1550% | 423 |
| Loan and lease loss provision to assets | 0.1157% | 1,869 |
| Net operating income to assets | 1.5784% | 756 |
| Return on assets (ROA) | 1.5784% | 770 |
| Pretax return on assets | 1.5784% | 1,491 |
| Return on Equity (ROE) | 16.2558% | 498 |
| Retained earnings to average equity (ytd only) | 1.2271% | 4,912 |
| Net charge-offs to loans | 0.0533% | 2,375 |
| Credit loss provision to net charge-offs | 283.8095% | 1,033 |
| Earnings coverage of net charge-offs (x) | 41.5704% | 1,263 |
| Efficiency ratio | 70.8248% | 2,394 |
| Assets per employee ($millions) | 3.8198% | 4,280 |
| Cash dividends to net income (ytd only)* | 92.4515% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,825 |
| Loan loss allowance to noncurrent loans | 421.4123% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,080 |
| Noncurrent loans to loans | 0.3365% | 3,744 |
| Net loans and leases to total assets | 71.6348% | 2,310 |
| Net loans and leases to deposits | 79.5383% | 3,011 |
| Net loans and leases to core deposits | 86.5726% | 2,914 |
| Total domestic deposits to total assets | 90.0633% | 452 |
| Equity capital to assets | 9.4045% | 4,539 |
| Core capital (leverage) ratio | 9.3554% | 4,344 |
| Tier 1 risk-based capital ratio | 11.5753% | 4,905 |
| Total risk-based capital ratio | 12.8265% | 4,793 |
| Memoranda: | ||
| Average total assets | $343,549,500 | 1,957 |
| Average earning assets | $316,342,250 | 1,968 |
| Average equity | $33,357,500 | 2,174 |
| Average total loans | $262,458,000 | 1,757 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 668 |
| Cost of funding earning assets | 0.0838% | 5,645 |
| Net interest margin | 4.8321% | 301 |
| Noninterest income to average assets | 1.3612% | 576 |
| Noninterest expense to average assets | 4.1658% | 434 |
| Loan and lease loss provision to assets | 0.1507% | 1,342 |
| Net operating income to assets | 1.5096% | 847 |
| Return on assets (ROA) | 1.5096% | 871 |
| Pretax return on assets | 1.5096% | 1,603 |
| Return on Equity (ROE) | 15.3760% | 612 |
| Retained earnings to average equity (ytd only) | -2.2155% | 5,366 |
| Net charge-offs to loans | 0.0806% | 1,813 |
| Credit loss provision to net charge-offs | 240.5660% | 1,112 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,571 |
| Efficiency ratio | 71.5025% | 2,437 |
| Assets per employee ($millions) | 3.5296% | 4,667 |
| Cash dividends to net income (ytd only)* | 114.4088% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 2,106 |
| Loan loss allowance to noncurrent loans | 893.8875% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,715 |
| Noncurrent loans to loans | 0.1524% | 4,503 |
| Net loans and leases to total assets | 77.3412% | 1,340 |
| Net loans and leases to deposits | 86.0496% | 2,209 |
| Net loans and leases to core deposits | 93.3254% | 2,210 |
| Total domestic deposits to total assets | 89.8798% | 575 |
| Equity capital to assets | 9.6424% | 4,280 |
| Core capital (leverage) ratio | 9.4501% | 4,181 |
| Tier 1 risk-based capital ratio | 11.3599% | 5,045 |
| Total risk-based capital ratio | 12.6107% | 4,935 |
| Memoranda: | ||
| Average total assets | $338,378,330 | 1,987 |
| Average earning assets | $312,660,000 | 1,995 |
| Average equity | $33,220,670 | 2,176 |
| Average total loans | $262,972,670 | 1,752 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 744 |
| Cost of funding earning assets | 0.0670% | 5,753 |
| Net interest margin | 4.7339% | 357 |
| Noninterest income to average assets | 1.4710% | 499 |
| Noninterest expense to average assets | 4.2060% | 426 |
| Loan and lease loss provision to assets | 0.1522% | 1,214 |
| Net operating income to assets | 1.4828% | 846 |
| Return on assets (ROA) | 1.4828% | 870 |
| Pretax return on assets | 1.4828% | 1,592 |
| Return on Equity (ROE) | 14.9680% | 649 |
| Retained earnings to average equity (ytd only) | 9.1704% | 1,026 |
| Net charge-offs to loans | 0.0815% | 1,529 |
| Credit loss provision to net charge-offs | 241.5094% | 910 |
| Earnings coverage of net charge-offs (x) | 25.9434% | 1,324 |
| Efficiency ratio | 72.0073% | 2,573 |
| Assets per employee ($millions) | 3.4678% | 4,839 |
| Cash dividends to net income (ytd only)* | 38.7330% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,309 |
| Loan loss allowance to noncurrent loans | 553.6321% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 4,491 |
| Noncurrent loans to loans | 0.2438% | 4,232 |
| Net loans and leases to total assets | 77.0315% | 1,261 |
| Net loans and leases to deposits | 87.9273% | 1,809 |
| Net loans and leases to core deposits | 91.6499% | 2,202 |
| Total domestic deposits to total assets | 87.6081% | 1,940 |
| Equity capital to assets | 9.9308% | 3,844 |
| Core capital (leverage) ratio | 9.8600% | 3,680 |
| Tier 1 risk-based capital ratio | 11.9867% | 4,726 |
| Total risk-based capital ratio | 13.2376% | 4,622 |
| Memoranda: | ||
| Average total assets | $336,380,500 | 2,012 |
| Average earning assets | $310,526,000 | 2,025 |
| Average equity | $33,324,500 | 2,183 |
| Average total loans | $260,233,000 | 1,771 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 1,370 |
| Cost of funding earning assets | 0.0401% | 5,853 |
| Net interest margin | 4.5258% | 592 |
| Noninterest income to average assets | 1.6262% | 464 |
| Noninterest expense to average assets | 4.1548% | 505 |
| Loan and lease loss provision to assets | 0.2605% | 793 |
| Net operating income to assets | 1.4112% | 993 |
| Return on assets (ROA) | 1.4112% | 1,010 |
| Pretax return on assets | 1.4112% | 1,896 |
| Return on Equity (ROE) | 15.8839% | 518 |
| Retained earnings to average equity (ytd only) | 2.5740% | 4,054 |
| Net charge-offs to loans | 0.1339% | 1,904 |
| Credit loss provision to net charge-offs | 261.3982% | 1,101 |
| Earnings coverage of net charge-offs (x) | 16.7751% | 2,089 |
| Efficiency ratio | 71.3090% | 2,693 |
| Assets per employee ($millions) | 3.5044% | 4,754 |
| Cash dividends to net income (ytd only)* | 83.7948% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,199 |
| Loan loss allowance to noncurrent loans | 208.2542% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 2,950 |
| Noncurrent loans to loans | 0.6601% | 2,876 |
| Net loans and leases to total assets | 75.5715% | 1,589 |
| Net loans and leases to deposits | 85.3357% | 2,261 |
| Net loans and leases to core deposits | 89.0061% | 2,587 |
| Total domestic deposits to total assets | 88.5578% | 1,349 |
| Equity capital to assets | 9.8823% | 3,839 |
| Core capital (leverage) ratio | 9.9486% | 3,552 |
| Tier 1 risk-based capital ratio | 12.1042% | 4,655 |
| Total risk-based capital ratio | 13.3552% | 4,529 |
| Memoranda: | ||
| Average total assets | $330,152,200 | 2,004 |
| Average earning assets | $306,397,400 | 2,003 |
| Average equity | $29,331,600 | 2,419 |
| Average total loans | $245,685,000 | 1,820 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 1,471 |
| Cost of funding earning assets | 0.0387% | 5,921 |
| Net interest margin | 4.4840% | 659 |
| Noninterest income to average assets | 1.7074% | 428 |
| Noninterest expense to average assets | 4.1950% | 483 |
| Loan and lease loss provision to assets | 0.2570% | 723 |
| Net operating income to assets | 1.4245% | 1,017 |
| Return on assets (ROA) | 1.4245% | 1,069 |
| Pretax return on assets | 1.4245% | 1,950 |
| Return on Equity (ROE) | 16.5025% | 494 |
| Retained earnings to average equity (ytd only) | -1.1299% | 5,508 |
| Net charge-offs to loans | -0.0312% | 5,180 |
| Credit loss provision to net charge-offs | -1,114.0351% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3863% | 2,669 |
| Assets per employee ($millions) | 3.2117% | 5,161 |
| Cash dividends to net income (ytd only)* | 106.8465% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,826 |
| Loan loss allowance to noncurrent loans | 146.8963% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 2,457 |
| Noncurrent loans to loans | 1.0093% | 2,225 |
| Net loans and leases to total assets | 75.1382% | 1,679 |
| Net loans and leases to deposits | 82.8569% | 2,627 |
| Net loans and leases to core deposits | 86.6574% | 2,891 |
| Total domestic deposits to total assets | 90.6843% | 282 |
| Equity capital to assets | 8.8178% | 5,306 |
| Core capital (leverage) ratio | 8.3252% | 5,486 |
| Tier 1 risk-based capital ratio | 10.2621% | 5,713 |
| Total risk-based capital ratio | 11.5143% | 5,646 |
| Memoranda: | ||
| Average total assets | $329,460,750 | 2,010 |
| Average earning assets | $306,323,000 | 2,007 |
| Average equity | $28,439,500 | 2,500 |
| Average total loans | $243,331,750 | 1,833 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,609 |
| Cost of funding earning assets | 0.0370% | 6,002 |
| Net interest margin | 4.4329% | 710 |
| Noninterest income to average assets | 1.6796% | 443 |
| Noninterest expense to average assets | 4.1690% | 510 |
| Loan and lease loss provision to assets | 0.2615% | 718 |
| Net operating income to assets | 1.3770% | 1,100 |
| Return on assets (ROA) | 1.3770% | 1,171 |
| Pretax return on assets | 1.3770% | 2,109 |
| Return on Equity (ROE) | 16.0648% | 539 |
| Retained earnings to average equity (ytd only) | -7.0319% | 5,822 |
| Net charge-offs to loans | -0.0686% | 5,489 |
| Credit loss provision to net charge-offs | -521.6867% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7866% | 2,697 |
| Assets per employee ($millions) | 3.3082% | 5,053 |
| Cash dividends to net income (ytd only)* | 143.7719% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 2,318 |
| Loan loss allowance to noncurrent loans | 125.2960% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 2,345 |
| Noncurrent loans to loans | 1.1127% | 2,068 |
| Net loans and leases to total assets | 74.6579% | 1,707 |
| Net loans and leases to deposits | 85.3010% | 2,321 |
| Net loans and leases to core deposits | 88.3999% | 2,694 |
| Total domestic deposits to total assets | 87.5229% | 1,661 |
| Equity capital to assets | 8.4091% | 5,651 |
| Core capital (leverage) ratio | 8.1144% | 5,659 |
| Tier 1 risk-based capital ratio | 9.8714% | 5,883 |
| Total risk-based capital ratio | 11.1226% | 5,843 |
| Memoranda: | ||
| Average total assets | $331,155,330 | 2,011 |
| Average earning assets | $308,377,330 | 1,998 |
| Average equity | $28,385,000 | 2,505 |
| Average total loans | $241,976,000 | 1,847 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 1,764 |
| Cost of funding earning assets | 0.0298% | 6,068 |
| Net interest margin | 4.3838% | 766 |
| Noninterest income to average assets | 1.6866% | 429 |
| Noninterest expense to average assets | 4.2050% | 491 |
| Loan and lease loss provision to assets | 0.2873% | 567 |
| Net operating income to assets | 1.2785% | 1,311 |
| Return on assets (ROA) | 1.2785% | 1,407 |
| Pretax return on assets | 1.2785% | 2,393 |
| Return on Equity (ROE) | 14.7761% | 705 |
| Retained earnings to average equity (ytd only) | 9.0414% | 1,105 |
| Net charge-offs to loans | -0.0034% | 4,197 |
| Credit loss provision to net charge-offs | -11,900.0000% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8661% | 2,666 |
| Assets per employee ($millions) | 3.2628% | 5,179 |
| Cash dividends to net income (ytd only)* | 38.8102% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,741 |
| Loan loss allowance to noncurrent loans | 110.4775% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 2,478 |
| Noncurrent loans to loans | 1.2070% | 2,013 |
| Net loans and leases to total assets | 72.2075% | 2,004 |
| Net loans and leases to deposits | 82.4453% | 2,493 |
| Net loans and leases to core deposits | 84.8389% | 2,862 |
| Total domestic deposits to total assets | 87.5823% | 1,873 |
| Equity capital to assets | 8.8785% | 5,279 |
| Core capital (leverage) ratio | 8.5864% | 5,306 |
| Tier 1 risk-based capital ratio | 11.5442% | 5,210 |
| Total risk-based capital ratio | 12.7956% | 5,113 |
| Memoranda: | ||
| Average total assets | $331,322,500 | 2,015 |
| Average earning assets | $308,682,000 | 2,001 |
| Average equity | $28,668,000 | 2,463 |
| Average total loans | $237,726,000 | 1,871 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,157 |
| Cost of funding earning assets | 0.0250% | 6,136 |
| Net interest margin | 4.2939% | 971 |
| Noninterest income to average assets | 1.5935% | 504 |
| Noninterest expense to average assets | 4.0034% | 671 |
| Loan and lease loss provision to assets | 0.2789% | 655 |
| Net operating income to assets | 1.2942% | 1,278 |
| Return on assets (ROA) | 1.2942% | 1,328 |
| Pretax return on assets | 1.2942% | 2,309 |
| Return on Equity (ROE) | 15.6991% | 588 |
| Retained earnings to average equity (ytd only) | 4.4738% | 2,807 |
| Net charge-offs to loans | 0.1008% | 2,406 |
| Credit loss provision to net charge-offs | 399.5633% | 765 |
| Earnings coverage of net charge-offs (x) | 22.5371% | 1,767 |
| Efficiency ratio | 71.7027% | 2,950 |
| Assets per employee ($millions) | 3.2657% | 5,198 |
| Cash dividends to net income (ytd only)* | 71.5026% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 3,065 |
| Loan loss allowance to noncurrent loans | 111.3772% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 2,664 |
| Noncurrent loans to loans | 1.1405% | 2,061 |
| Net loans and leases to total assets | 69.4398% | 2,461 |
| Net loans and leases to deposits | 76.3872% | 3,208 |
| Net loans and leases to core deposits | 78.4976% | 3,492 |
| Total domestic deposits to total assets | 90.9050% | 305 |
| Equity capital to assets | 8.4291% | 5,619 |
| Core capital (leverage) ratio | 8.1381% | 5,746 |
| Tier 1 risk-based capital ratio | 11.0361% | 5,508 |
| Total risk-based capital ratio | 12.2862% | 5,402 |
| Memoranda: | ||
| Average total assets | $328,073,000 | 2,006 |
| Average earning assets | $304,318,400 | 1,998 |
| Average equity | $27,046,200 | 2,546 |
| Average total loans | $227,100,400 | 1,882 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,177 |
| Cost of funding earning assets | 0.0242% | 6,222 |
| Net interest margin | 4.2921% | 972 |
| Noninterest income to average assets | 1.5605% | 517 |
| Noninterest expense to average assets | 4.0801% | 611 |
| Loan and lease loss provision to assets | 0.2509% | 680 |
| Net operating income to assets | 1.2051% | 1,636 |
| Return on assets (ROA) | 1.2051% | 1,707 |
| Pretax return on assets | 1.2051% | 2,801 |
| Return on Equity (ROE) | 14.7026% | 770 |
| Retained earnings to average equity (ytd only) | 2.9714% | 4,339 |
| Net charge-offs to loans | 0.0686% | 2,583 |
| Credit loss provision to net charge-offs | 530.1724% | 620 |
| Earnings coverage of net charge-offs (x) | 30.7678% | 1,468 |
| Efficiency ratio | 73.5814% | 2,622 |
| Assets per employee ($millions) | 3.2466% | 5,225 |
| Cash dividends to net income (ytd only)* | 79.7901% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 3,623 |
| Loan loss allowance to noncurrent loans | 105.4044% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 2,911 |
| Noncurrent loans to loans | 1.1434% | 2,224 |
| Net loans and leases to total assets | 68.3692% | 2,624 |
| Net loans and leases to deposits | 74.8757% | 3,436 |
| Net loans and leases to core deposits | 76.2372% | 3,778 |
| Total domestic deposits to total assets | 91.3103% | 186 |
| Equity capital to assets | 8.2929% | 5,831 |
| Core capital (leverage) ratio | 8.0971% | 5,846 |
| Tier 1 risk-based capital ratio | 10.5917% | 5,841 |
| Total risk-based capital ratio | 11.7499% | 5,815 |
| Memoranda: | ||
| Average total assets | $326,814,750 | 2,026 |
| Average earning assets | $302,718,500 | 2,021 |
| Average equity | $26,788,250 | 2,580 |
| Average total loans | $225,304,500 | 1,901 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,102 |
| Cost of funding earning assets | 0.0247% | 6,299 |
| Net interest margin | 4.2997% | 921 |
| Noninterest income to average assets | 1.4944% | 569 |
| Noninterest expense to average assets | 4.0803% | 618 |
| Loan and lease loss provision to assets | 0.2220% | 854 |
| Net operating income to assets | 1.1619% | 1,741 |
| Return on assets (ROA) | 1.1619% | 1,810 |
| Pretax return on assets | 1.1619% | 2,933 |
| Return on Equity (ROE) | 14.2328% | 859 |
| Retained earnings to average equity (ytd only) | -0.4382% | 5,593 |
| Net charge-offs to loans | 0.0090% | 3,594 |
| Credit loss provision to net charge-offs | 3,600.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 224.4000% | 310 |
| Efficiency ratio | 74.4921% | 2,617 |
| Assets per employee ($millions) | 3.1038% | 5,463 |
| Cash dividends to net income (ytd only)* | 103.0786% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 4,081 |
| Loan loss allowance to noncurrent loans | 642.3358% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,358 |
| Noncurrent loans to loans | 0.1791% | 5,059 |
| Net loans and leases to total assets | 69.6208% | 2,378 |
| Net loans and leases to deposits | 76.3501% | 3,225 |
| Net loans and leases to core deposits | 77.3665% | 3,633 |
| Total domestic deposits to total assets | 91.1862% | 257 |
| Equity capital to assets | 8.2281% | 5,866 |
| Core capital (leverage) ratio | 8.0149% | 5,923 |
| Tier 1 risk-based capital ratio | 10.2203% | 6,026 |
| Total risk-based capital ratio | 11.3079% | 6,020 |
| Memoranda: | ||
| Average total assets | $324,287,670 | 2,050 |
| Average earning assets | $299,417,670 | 2,049 |
| Average equity | $26,474,000 | 2,617 |
| Average total loans | $223,268,330 | 1,924 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,401 |
| Cost of funding earning assets | 0.0241% | 6,373 |
| Net interest margin | 4.1893% | 1,084 |
| Noninterest income to average assets | 1.2464% | 735 |
| Noninterest expense to average assets | 4.0225% | 670 |
| Loan and lease loss provision to assets | 0.2040% | 894 |
| Net operating income to assets | 0.8965% | 2,758 |
| Return on assets (ROA) | 0.8965% | 2,886 |
| Pretax return on assets | 0.8965% | 3,909 |
| Return on Equity (ROE) | 11.0251% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.8663% | 3,131 |
| Net charge-offs to loans | 0.0236% | 2,685 |
| Credit loss provision to net charge-offs | 1,269.2308% | 280 |
| Earnings coverage of net charge-offs (x) | 68.4615% | 657 |
| Efficiency ratio | 78.2283% | 2,154 |
| Assets per employee ($millions) | 3.2307% | 5,355 |
| Cash dividends to net income (ytd only)* | 55.8621% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 4,615 |
| Loan loss allowance to noncurrent loans | 381.5625% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 5,189 |
| Noncurrent loans to loans | 0.2831% | 4,760 |
| Net loans and leases to total assets | 66.5580% | 2,683 |
| Net loans and leases to deposits | 72.6940% | 3,471 |
| Net loans and leases to core deposits | 73.7907% | 3,798 |
| Total domestic deposits to total assets | 91.5592% | 220 |
| Equity capital to assets | 7.8988% | 6,067 |
| Core capital (leverage) ratio | 8.0723% | 5,899 |
| Tier 1 risk-based capital ratio | 11.5627% | 5,518 |
| Total risk-based capital ratio | 12.7216% | 5,485 |
| Memoranda: | ||
| Average total assets | $323,483,000 | 2,061 |
| Average earning assets | $299,332,000 | 2,056 |
| Average equity | $26,303,500 | 2,647 |
| Average total loans | $220,136,500 | 1,936 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,621 |
| Cost of funding earning assets | 0.0296% | 6,455 |
| Net interest margin | 4.2657% | 1,123 |
| Noninterest income to average assets | 1.7895% | 405 |
| Noninterest expense to average assets | 4.0419% | 718 |
| Loan and lease loss provision to assets | 0.3783% | 492 |
| Net operating income to assets | 1.2781% | 1,352 |
| Return on assets (ROA) | 1.2823% | 1,393 |
| Pretax return on assets | 1.2823% | 2,300 |
| Return on Equity (ROE) | 15.7253% | 658 |
| Retained earnings to average equity (ytd only) | 4.0144% | 3,351 |
| Net charge-offs to loans | 0.5819% | 690 |
| Credit loss provision to net charge-offs | 100.2595% | 2,381 |
| Earnings coverage of net charge-offs (x) | 4.3901% | 3,666 |
| Efficiency ratio | 70.6627% | 3,433 |
| Assets per employee ($millions) | 3.1732% | 5,463 |
| Cash dividends to net income (ytd only)* | 74.4719% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,701 |
| Loan loss allowance to noncurrent loans | 679.5252% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 5,605 |
| Noncurrent loans to loans | 0.1573% | 5,268 |
| Net loans and leases to total assets | 68.1444% | 2,537 |
| Net loans and leases to deposits | 74.7205% | 3,347 |
| Net loans and leases to core deposits | 75.8553% | 3,726 |
| Total domestic deposits to total assets | 91.1991% | 306 |
| Equity capital to assets | 8.3826% | 5,842 |
| Core capital (leverage) ratio | 8.0485% | 5,965 |
| Tier 1 risk-based capital ratio | 10.8456% | 5,970 |
| Total risk-based capital ratio | 11.8809% | 5,991 |
| Memoranda: | ||
| Average total assets | $306,392,000 | 2,120 |
| Average earning assets | $280,753,800 | 2,118 |
| Average equity | $24,985,200 | 2,662 |
| Average total loans | $198,676,400 | 2,053 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,934 |
| Cost of funding earning assets | 0.0306% | 6,538 |
| Net interest margin | 4.1858% | 1,330 |
| Noninterest income to average assets | 1.8843% | 385 |
| Noninterest expense to average assets | 3.9936% | 760 |
| Loan and lease loss provision to assets | 0.3643% | 479 |
| Net operating income to assets | 1.3497% | 1,249 |
| Return on assets (ROA) | 1.3554% | 1,290 |
| Pretax return on assets | 1.3554% | 2,171 |
| Return on Equity (ROE) | 16.7401% | 585 |
| Retained earnings to average equity (ytd only) | 4.6179% | 3,347 |
| Net charge-offs to loans | 0.7632% | 441 |
| Credit loss provision to net charge-offs | 74.7982% | 2,685 |
| Earnings coverage of net charge-offs (x) | 3.5193% | 3,644 |
| Efficiency ratio | 69.7023% | 3,563 |
| Assets per employee ($millions) | 3.1128% | 5,572 |
| Cash dividends to net income (ytd only)* | 72.4139% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 5,426 |
| Loan loss allowance to noncurrent loans | 514.3590% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 5,671 |
| Noncurrent loans to loans | 0.1849% | 5,357 |
| Net loans and leases to total assets | 66.4675% | 2,778 |
| Net loans and leases to deposits | 72.6750% | 3,604 |
| Net loans and leases to core deposits | 73.7807% | 3,961 |
| Total domestic deposits to total assets | 91.4586% | 243 |
| Equity capital to assets | 8.1116% | 6,070 |
| Core capital (leverage) ratio | 8.1864% | 5,946 |
| Tier 1 risk-based capital ratio | 10.5467% | 6,193 |
| Total risk-based capital ratio | 11.4487% | 6,263 |
| Memoranda: | ||
| Average total assets | $305,245,500 | 2,142 |
| Average earning assets | $278,808,500 | 2,152 |
| Average equity | $24,714,500 | 2,701 |
| Average total loans | $194,794,500 | 2,089 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 3,288 |
| Cost of funding earning assets | 0.0318% | 6,602 |
| Net interest margin | 4.0816% | 1,568 |
| Noninterest income to average assets | 1.8610% | 389 |
| Noninterest expense to average assets | 3.9418% | 813 |
| Loan and lease loss provision to assets | 0.4461% | 363 |
| Net operating income to assets | 1.2072% | 1,563 |
| Return on assets (ROA) | 1.2158% | 1,605 |
| Pretax return on assets | 1.2158% | 2,594 |
| Return on Equity (ROE) | 15.0254% | 787 |
| Retained earnings to average equity (ytd only) | -0.0573% | 5,691 |
| Net charge-offs to loans | 1.1816% | 267 |
| Credit loss provision to net charge-offs | 60.2324% | 2,635 |
| Earnings coverage of net charge-offs (x) | 2.2324% | 3,597 |
| Efficiency ratio | 70.1680% | 3,629 |
| Assets per employee ($millions) | 3.0112% | 5,739 |
| Cash dividends to net income (ytd only)* | 100.3811% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 5,702 |
| Loan loss allowance to noncurrent loans | 300.9804% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 5,508 |
| Noncurrent loans to loans | 0.3015% | 5,112 |
| Net loans and leases to total assets | 67.4752% | 2,503 |
| Net loans and leases to deposits | 73.8523% | 3,336 |
| Net loans and leases to core deposits | 75.0383% | 3,731 |
| Total domestic deposits to total assets | 91.3651% | 291 |
| Equity capital to assets | 8.2649% | 5,972 |
| Core capital (leverage) ratio | 8.0152% | 6,088 |
| Tier 1 risk-based capital ratio | 10.5203% | 6,244 |
| Total risk-based capital ratio | 11.3764% | 6,318 |
| Memoranda: | ||
| Average total assets | $302,198,000 | 2,154 |
| Average earning assets | $276,460,670 | 2,165 |
| Average equity | $24,452,000 | 2,717 |
| Average total loans | $189,402,000 | 2,134 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,854 |
| Cost of funding earning assets | 0.0316% | 6,677 |
| Net interest margin | 3.9289% | 1,982 |
| Noninterest income to average assets | 1.9142% | 359 |
| Noninterest expense to average assets | 3.8758% | 891 |
| Loan and lease loss provision to assets | 0.4615% | 339 |
| Net operating income to assets | 1.1741% | 1,554 |
| Return on assets (ROA) | 1.1741% | 1,621 |
| Pretax return on assets | 1.1741% | 2,592 |
| Return on Equity (ROE) | 14.6640% | 826 |
| Retained earnings to average equity (ytd only) | 9.0480% | 1,232 |
| Net charge-offs to loans | 0.2519% | 1,318 |
| Credit loss provision to net charge-offs | 305.2174% | 787 |
| Earnings coverage of net charge-offs (x) | 10.8174% | 1,829 |
| Efficiency ratio | 70.0382% | 3,835 |
| Assets per employee ($millions) | 3.1191% | 5,653 |
| Cash dividends to net income (ytd only)* | 38.2979% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 3,965 |
| Loan loss allowance to noncurrent loans | 204.8701% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 4,933 |
| Noncurrent loans to loans | 0.6486% | 4,241 |
| Net loans and leases to total assets | 61.3147% | 3,345 |
| Net loans and leases to deposits | 66.9599% | 3,979 |
| Net loans and leases to core deposits | 68.2125% | 4,285 |
| Total domestic deposits to total assets | 91.5693% | 360 |
| Equity capital to assets | 8.1091% | 5,968 |
| Core capital (leverage) ratio | 8.1743% | 5,973 |
| Tier 1 risk-based capital ratio | 11.2285% | 6,054 |
| Total risk-based capital ratio | 12.4487% | 6,021 |
| Memoranda: | ||
| Average total assets | $304,244,500 | 2,153 |
| Average earning assets | $278,551,500 | 2,157 |
| Average equity | $24,359,000 | 2,712 |
| Average total loans | $182,608,500 | 2,205 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 4,850 |
| Cost of funding earning assets | 0.0432% | 6,754 |
| Net interest margin | 3.7467% | 2,867 |
| Noninterest income to average assets | 1.9593% | 402 |
| Noninterest expense to average assets | 3.9797% | 892 |
| Loan and lease loss provision to assets | 0.0947% | 3,229 |
| Net operating income to assets | 1.3088% | 1,229 |
| Return on assets (ROA) | 1.3088% | 1,268 |
| Pretax return on assets | 1.3088% | 2,115 |
| Return on Equity (ROE) | 18.0419% | 403 |
| Retained earnings to average equity (ytd only) | 5.1592% | 2,497 |
| Net charge-offs to loans | 0.0577% | 4,417 |
| Credit loss provision to net charge-offs | 284.6154% | 798 |
| Earnings coverage of net charge-offs (x) | 42.1978% | 907 |
| Efficiency ratio | 73.6099% | 3,193 |
| Assets per employee ($millions) | 3.0900% | 5,694 |
| Cash dividends to net income (ytd only)* | 71.4046% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,118 |
| Loan loss allowance to noncurrent loans | 105.6839% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 4,103 |
| Noncurrent loans to loans | 1.2346% | 3,071 |
| Net loans and leases to total assets | 57.1250% | 4,175 |
| Net loans and leases to deposits | 62.2281% | 4,699 |
| Net loans and leases to core deposits | 63.5203% | 4,917 |
| Total domestic deposits to total assets | 91.7994% | 331 |
| Equity capital to assets | 7.9027% | 6,085 |
| Core capital (leverage) ratio | 8.2743% | 5,903 |
| Tier 1 risk-based capital ratio | 11.6097% | 5,849 |
| Total risk-based capital ratio | 12.7644% | 5,838 |
| Memoranda: | ||
| Average total assets | $273,616,400 | 2,322 |
| Average earning assets | $250,032,400 | 2,323 |
| Average equity | $19,848,200 | 3,166 |
| Average total loans | $157,733,400 | 2,456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,811 |
| Cost of funding earning assets | 0.0455% | 6,835 |
| Net interest margin | 3.7671% | 2,773 |
| Noninterest income to average assets | 2.0687% | 401 |
| Noninterest expense to average assets | 4.0392% | 814 |
| Loan and lease loss provision to assets | 0.0731% | 3,596 |
| Net operating income to assets | 1.3958% | 1,113 |
| Return on assets (ROA) | 1.3958% | 1,159 |
| Pretax return on assets | 1.3958% | 1,941 |
| Return on Equity (ROE) | 19.7437% | 315 |
| Retained earnings to average equity (ytd only) | 6.1610% | 2,307 |
| Net charge-offs to loans | 0.0817% | 3,784 |
| Credit loss provision to net charge-offs | 155.3191% | 1,521 |
| Earnings coverage of net charge-offs (x) | 31.2128% | 1,202 |
| Efficiency ratio | 73.0140% | 3,214 |
| Assets per employee ($millions) | 2.9276% | 5,964 |
| Cash dividends to net income (ytd only)* | 68.7949% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 3,940 |
| Loan loss allowance to noncurrent loans | 322.1068% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 5,725 |
| Noncurrent loans to loans | 0.4314% | 5,121 |
| Net loans and leases to total assets | 54.8153% | 4,481 |
| Net loans and leases to deposits | 59.0490% | 5,089 |
| Net loans and leases to core deposits | 60.3022% | 5,273 |
| Total domestic deposits to total assets | 92.8302% | 137 |
| Equity capital to assets | 6.7635% | 6,599 |
| Core capital (leverage) ratio | 6.8984% | 6,604 |
| Tier 1 risk-based capital ratio | 9.5969% | 6,671 |
| Total risk-based capital ratio | 10.7703% | 6,657 |
| Memoranda: | ||
| Average total assets | $266,315,500 | 2,391 |
| Average earning assets | $243,154,750 | 2,410 |
| Average equity | $18,827,500 | 3,331 |
| Average total loans | $153,348,500 | 2,525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,873 |
| Cost of funding earning assets | 0.0485% | 6,883 |
| Net interest margin | 3.7377% | 2,814 |
| Noninterest income to average assets | 2.1836% | 397 |
| Noninterest expense to average assets | 4.0451% | 823 |
| Loan and lease loss provision to assets | 0.0888% | 3,304 |
| Net operating income to assets | 1.4721% | 949 |
| Return on assets (ROA) | 1.4721% | 1,024 |
| Pretax return on assets | 1.4721% | 1,705 |
| Return on Equity (ROE) | 20.5041% | 272 |
| Retained earnings to average equity (ytd only) | 3.7086% | 3,945 |
| Net charge-offs to loans | 0.1299% | 3,075 |
| Credit loss provision to net charge-offs | 117.1717% | 1,893 |
| Earnings coverage of net charge-offs (x) | 20.6061% | 1,450 |
| Efficiency ratio | 71.8302% | 3,505 |
| Assets per employee ($millions) | 2.8523% | 6,093 |
| Cash dividends to net income (ytd only)* | 81.9127% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,143 |
| Loan loss allowance to noncurrent loans | 120.4059% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 4,531 |
| Noncurrent loans to loans | 1.1424% | 3,642 |
| Net loans and leases to total assets | 58.3619% | 3,931 |
| Net loans and leases to deposits | 63.0096% | 4,622 |
| Net loans and leases to core deposits | 64.0789% | 4,885 |
| Total domestic deposits to total assets | 92.6238% | 169 |
| Equity capital to assets | 7.0302% | 6,597 |
| Core capital (leverage) ratio | 6.8906% | 6,636 |
| Tier 1 risk-based capital ratio | 10.0565% | 6,620 |
| Total risk-based capital ratio | 11.2133% | 6,621 |
| Memoranda: | ||
| Average total assets | $261,403,000 | 2,448 |
| Average earning assets | $239,343,670 | 2,451 |
| Average equity | $18,767,000 | 3,360 |
| Average total loans | $152,387,670 | 2,536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 5,089 |
| Cost of funding earning assets | 0.0520% | 6,963 |
| Net interest margin | 3.6692% | 2,991 |
| Noninterest income to average assets | 2.2399% | 370 |
| Noninterest expense to average assets | 3.9372% | 955 |
| Loan and lease loss provision to assets | 0.1334% | 2,570 |
| Net operating income to assets | 1.5255% | 810 |
| Return on assets (ROA) | 1.5255% | 885 |
| Pretax return on assets | 1.5255% | 1,500 |
| Return on Equity (ROE) | 21.0287% | 234 |
| Retained earnings to average equity (ytd only) | 14.2657% | 423 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0274% | 3,967 |
| Assets per employee ($millions) | 3.0178% | 5,958 |
| Cash dividends to net income (ytd only)* | 32.1608% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,951 |
| Loan loss allowance to noncurrent loans | 88.8084% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 4,058 |
| Noncurrent loans to loans | 1.6501% | 3,067 |
| Net loans and leases to total assets | 55.8536% | 4,109 |
| Net loans and leases to deposits | 60.3358% | 4,756 |
| Net loans and leases to core deposits | 61.3467% | 5,010 |
| Total domestic deposits to total assets | 92.5713% | 166 |
| Equity capital to assets | 7.2261% | 6,670 |
| Core capital (leverage) ratio | 7.2170% | 6,574 |
| Tier 1 risk-based capital ratio | 10.0254% | 6,688 |
| Total risk-based capital ratio | 11.1893% | 6,691 |
| Memoranda: | ||
| Average total assets | $260,899,000 | 2,481 |
| Average earning assets | $238,635,000 | 2,486 |
| Average equity | $18,926,500 | 3,388 |
| Average total loans | $150,939,500 | 2,573 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 4,543 |
| Cost of funding earning assets | 0.1017% | 6,994 |
| Net interest margin | 4.1098% | 1,964 |
| Noninterest income to average assets | 1.6190% | 605 |
| Noninterest expense to average assets | 3.7052% | 1,404 |
| Loan and lease loss provision to assets | 0.1352% | 3,937 |
| Net operating income to assets | 1.5341% | 855 |
| Return on assets (ROA) | 1.5341% | 942 |
| Pretax return on assets | 1.5341% | 1,576 |
| Return on Equity (ROE) | 19.5770% | 319 |
| Retained earnings to average equity (ytd only) | 3.3850% | 3,844 |
| Net charge-offs to loans | 0.0036% | 5,932 |
| Credit loss provision to net charge-offs | 6,400.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 790.4000% | 45 |
| Efficiency ratio | 68.5712% | 4,042 |
| Assets per employee ($millions) | 3.0145% | 5,992 |
| Cash dividends to net income (ytd only)* | 82.7093% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 4,174 |
| Loan loss allowance to noncurrent loans | 129.2862% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 4,869 |
| Noncurrent loans to loans | 1.0829% | 4,039 |
| Net loans and leases to total assets | 58.2386% | 3,929 |
| Net loans and leases to deposits | 63.0912% | 4,653 |
| Net loans and leases to core deposits | 64.1903% | 4,932 |
| Total domestic deposits to total assets | 92.3086% | 195 |
| Equity capital to assets | 7.2836% | 6,699 |
| Core capital (leverage) ratio | 6.9260% | 6,724 |
| Tier 1 risk-based capital ratio | 9.6886% | 6,771 |
| Total risk-based capital ratio | 10.8350% | 6,774 |
| Memoranda: | ||
| Average total assets | $236,749,200 | 2,664 |
| Average earning assets | $216,338,800 | 2,655 |
| Average equity | $18,552,400 | 3,395 |
| Average total loans | $139,145,000 | 2,729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 4,551 |
| Cost of funding earning assets | 0.1124% | 7,098 |
| Net interest margin | 4.1636% | 1,854 |
| Noninterest income to average assets | 1.5186% | 646 |
| Noninterest expense to average assets | 3.6455% | 1,465 |
| Loan and lease loss provision to assets | 0.1323% | 3,892 |
| Net operating income to assets | 1.5519% | 942 |
| Return on assets (ROA) | 1.5519% | 1,042 |
| Pretax return on assets | 1.5519% | 1,717 |
| Return on Equity (ROE) | 19.4258% | 370 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,783 |
| Net charge-offs to loans | 0.0049% | 5,688 |
| Credit loss provision to net charge-offs | 4,600.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 585.4933% | 72 |
| Efficiency ratio | 68.0224% | 4,061 |
| Assets per employee ($millions) | 3.0784% | 5,902 |
| Cash dividends to net income (ytd only)* | 69.8036% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 4,326 |
| Loan loss allowance to noncurrent loans | 133.6627% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 5,151 |
| Noncurrent loans to loans | 1.0564% | 4,328 |
| Net loans and leases to total assets | 56.8165% | 4,329 |
| Net loans and leases to deposits | 61.7544% | 4,993 |
| Net loans and leases to core deposits | 63.2162% | 5,244 |
| Total domestic deposits to total assets | 92.0040% | 208 |
| Equity capital to assets | 7.6322% | 6,737 |
| Core capital (leverage) ratio | 7.3826% | 6,681 |
| Tier 1 risk-based capital ratio | 10.8226% | 6,556 |
| Total risk-based capital ratio | 12.0113% | 6,561 |
| Memoranda: | ||
| Average total assets | $231,878,000 | 2,731 |
| Average earning assets | $212,247,000 | 2,731 |
| Average equity | $18,524,750 | 3,433 |
| Average total loans | $136,094,750 | 2,806 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 4,219 |
| Cost of funding earning assets | 0.1221% | 7,156 |
| Net interest margin | 4.2692% | 1,551 |
| Noninterest income to average assets | 1.5315% | 628 |
| Noninterest expense to average assets | 3.6257% | 1,526 |
| Loan and lease loss provision to assets | 0.1416% | 3,750 |
| Net operating income to assets | 1.6624% | 730 |
| Return on assets (ROA) | 1.6624% | 816 |
| Pretax return on assets | 1.6624% | 1,361 |
| Return on Equity (ROE) | 20.4729% | 324 |
| Retained earnings to average equity (ytd only) | 3.3776% | 4,356 |
| Net charge-offs to loans | -0.0030% | 6,120 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3842% | 4,466 |
| Assets per employee ($millions) | 2.9499% | 6,153 |
| Cash dividends to net income (ytd only)* | 83.5019% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,400 |
| Loan loss allowance to noncurrent loans | 109.7044% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 4,843 |
| Noncurrent loans to loans | 1.2904% | 3,987 |
| Net loans and leases to total assets | 59.5319% | 3,906 |
| Net loans and leases to deposits | 64.8854% | 4,652 |
| Net loans and leases to core deposits | 66.5570% | 4,934 |
| Total domestic deposits to total assets | 91.7493% | 270 |
| Equity capital to assets | 7.9717% | 6,584 |
| Core capital (leverage) ratio | 7.6897% | 6,522 |
| Tier 1 risk-based capital ratio | 11.0064% | 6,494 |
| Total risk-based capital ratio | 12.2030% | 6,501 |
| Memoranda: | ||
| Average total assets | $226,054,000 | 2,804 |
| Average earning assets | $206,408,330 | 2,806 |
| Average equity | $18,356,000 | 3,446 |
| Average total loans | $133,559,330 | 2,862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 3,950 |
| Cost of funding earning assets | 0.1314% | 7,214 |
| Net interest margin | 4.3601% | 1,315 |
| Noninterest income to average assets | 1.4444% | 691 |
| Noninterest expense to average assets | 3.5655% | 1,637 |
| Loan and lease loss provision to assets | 0.1607% | 3,375 |
| Net operating income to assets | 1.6890% | 737 |
| Return on assets (ROA) | 1.6890% | 819 |
| Pretax return on assets | 1.6890% | 1,330 |
| Return on Equity (ROE) | 20.6067% | 344 |
| Retained earnings to average equity (ytd only) | 13.9193% | 575 |
| Net charge-offs to loans | -0.0061% | 5,836 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4468% | 4,661 |
| Assets per employee ($millions) | 2.9863% | 6,180 |
| Cash dividends to net income (ytd only)* | 32.4524% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,566 |
| Loan loss allowance to noncurrent loans | 488.6598% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 6,458 |
| Noncurrent loans to loans | 0.2886% | 6,097 |
| Net loans and leases to total assets | 58.4049% | 3,970 |
| Net loans and leases to deposits | 63.9736% | 4,640 |
| Net loans and leases to core deposits | 65.8186% | 4,935 |
| Total domestic deposits to total assets | 91.2953% | 441 |
| Equity capital to assets | 8.2390% | 6,326 |
| Core capital (leverage) ratio | 8.1800% | 6,055 |
| Tier 1 risk-based capital ratio | 10.8865% | 6,584 |
| Total risk-based capital ratio | 12.0221% | 6,622 |
| Memoranda: | ||
| Average total assets | $224,036,000 | 2,843 |
| Average earning assets | $204,031,000 | 2,846 |
| Average equity | $18,363,000 | 3,445 |
| Average total loans | $130,867,000 | 2,927 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 3,921 |
| Cost of funding earning assets | 0.2396% | 7,188 |
| Net interest margin | 4.5362% | 1,054 |
| Noninterest income to average assets | 1.4873% | 588 |
| Noninterest expense to average assets | 3.8287% | 1,293 |
| Loan and lease loss provision to assets | 0.1626% | 4,595 |
| Net operating income to assets | 1.6187% | 642 |
| Return on assets (ROA) | 1.6343% | 674 |
| Pretax return on assets | 1.6343% | 1,135 |
| Return on Equity (ROE) | 19.5142% | 284 |
| Retained earnings to average equity (ytd only) | 5.6321% | 2,223 |
| Net charge-offs to loans | 0.0809% | 5,513 |
| Credit loss provision to net charge-offs | 339.7959% | 683 |
| Earnings coverage of net charge-offs (x) | 37.2245% | 717 |
| Efficiency ratio | 67.8388% | 4,394 |
| Assets per employee ($millions) | 3.0290% | 6,022 |
| Cash dividends to net income (ytd only)* | 71.1383% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,385 |
| Loan loss allowance to noncurrent loans | 467.3575% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 6,515 |
| Noncurrent loans to loans | 0.3033% | 6,119 |
| Net loans and leases to total assets | 56.7488% | 4,583 |
| Net loans and leases to deposits | 62.0696% | 5,233 |
| Net loans and leases to core deposits | 64.0296% | 5,462 |
| Total domestic deposits to total assets | 91.4275% | 352 |
| Equity capital to assets | 8.1528% | 6,482 |
| Core capital (leverage) ratio | 7.7195% | 6,521 |
| Tier 1 risk-based capital ratio | 11.1479% | 6,375 |
| Total risk-based capital ratio | 12.3126% | 6,406 |
| Memoranda: | ||
| Average total assets | $204,795,600 | 3,001 |
| Average earning assets | $186,125,400 | 3,016 |
| Average equity | $17,151,600 | 3,553 |
| Average total loans | $121,164,800 | 3,156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 3,791 |
| Cost of funding earning assets | 0.2661% | 7,264 |
| Net interest margin | 4.5827% | 983 |
| Noninterest income to average assets | 1.4966% | 588 |
| Noninterest expense to average assets | 3.8853% | 1,177 |
| Loan and lease loss provision to assets | 0.1661% | 4,396 |
| Net operating income to assets | 1.6089% | 759 |
| Return on assets (ROA) | 1.6301% | 806 |
| Pretax return on assets | 1.6301% | 1,304 |
| Return on Equity (ROE) | 19.3230% | 353 |
| Retained earnings to average equity (ytd only) | 5.3859% | 2,919 |
| Net charge-offs to loans | 0.0836% | 5,140 |
| Credit loss provision to net charge-offs | 333.3333% | 846 |
| Earnings coverage of net charge-offs (x) | 35.6258% | 835 |
| Efficiency ratio | 68.2314% | 4,273 |
| Assets per employee ($millions) | 2.9923% | 6,133 |
| Cash dividends to net income (ytd only)* | 72.1271% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 4,364 |
| Loan loss allowance to noncurrent loans | 614.0845% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 6,718 |
| Noncurrent loans to loans | 0.2348% | 6,406 |
| Net loans and leases to total assets | 55.3380% | 4,950 |
| Net loans and leases to deposits | 60.5736% | 5,571 |
| Net loans and leases to core deposits | 62.4265% | 5,779 |
| Total domestic deposits to total assets | 91.3566% | 331 |
| Equity capital to assets | 8.2972% | 6,487 |
| Core capital (leverage) ratio | 8.1462% | 6,214 |
| Tier 1 risk-based capital ratio | 11.4842% | 6,250 |
| Total risk-based capital ratio | 12.7194% | 6,253 |
| Memoranda: | ||
| Average total assets | $200,715,750 | 3,065 |
| Average earning assets | $182,364,250 | 3,074 |
| Average equity | $16,932,750 | 3,599 |
| Average total loans | $119,635,000 | 3,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 3,400 |
| Cost of funding earning assets | 0.2984% | 7,311 |
| Net interest margin | 4.6510% | 814 |
| Noninterest income to average assets | 1.4484% | 609 |
| Noninterest expense to average assets | 3.9631% | 1,103 |
| Loan and lease loss provision to assets | 0.1685% | 4,246 |
| Net operating income to assets | 1.5362% | 825 |
| Return on assets (ROA) | 1.5689% | 825 |
| Pretax return on assets | 1.5689% | 1,331 |
| Return on Equity (ROE) | 18.4856% | 421 |
| Retained earnings to average equity (ytd only) | 0.8785% | 5,517 |
| Net charge-offs to loans | 0.0973% | 4,708 |
| Credit loss provision to net charge-offs | 284.4828% | 1,076 |
| Earnings coverage of net charge-offs (x) | 28.7759% | 957 |
| Efficiency ratio | 69.4900% | 4,208 |
| Assets per employee ($millions) | 2.8662% | 6,355 |
| Cash dividends to net income (ytd only)* | 95.2474% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,609 |
| Loan loss allowance to noncurrent loans | 426.4631% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 6,547 |
| Noncurrent loans to loans | 0.3267% | 6,258 |
| Net loans and leases to total assets | 59.1252% | 4,440 |
| Net loans and leases to deposits | 64.8632% | 5,171 |
| Net loans and leases to core deposits | 67.2374% | 5,365 |
| Total domestic deposits to total assets | 91.1537% | 443 |
| Equity capital to assets | 8.4934% | 6,192 |
| Core capital (leverage) ratio | 8.2601% | 5,932 |
| Tier 1 risk-based capital ratio | 11.6120% | 6,082 |
| Total risk-based capital ratio | 12.8488% | 6,084 |
| Memoranda: | ||
| Average total assets | $195,805,330 | 3,139 |
| Average earning assets | $177,639,670 | 3,166 |
| Average equity | $16,618,330 | 3,634 |
| Average total loans | $119,190,670 | 3,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 3,037 |
| Cost of funding earning assets | 0.3104% | 7,371 |
| Net interest margin | 4.7044% | 693 |
| Noninterest income to average assets | 1.5327% | 557 |
| Noninterest expense to average assets | 4.0374% | 991 |
| Loan and lease loss provision to assets | 0.1841% | 3,772 |
| Net operating income to assets | 1.5740% | 731 |
| Return on assets (ROA) | 1.6402% | 671 |
| Pretax return on assets | 1.6402% | 1,103 |
| Return on Equity (ROE) | 19.3332% | 376 |
| Retained earnings to average equity (ytd only) | 9.8982% | 1,142 |
| Net charge-offs to loans | 0.0843% | 4,108 |
| Credit loss provision to net charge-offs | 356.0000% | 923 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 761 |
| Efficiency ratio | 69.2363% | 4,428 |
| Assets per employee ($millions) | 2.7472% | 6,633 |
| Cash dividends to net income (ytd only)* | 48.8020% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,647 |
| Loan loss allowance to noncurrent loans | 2,633.8710% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,985 |
| Noncurrent loans to loans | 0.0533% | 6,917 |
| Net loans and leases to total assets | 59.6053% | 4,341 |
| Net loans and leases to deposits | 65.4676% | 5,049 |
| Net loans and leases to core deposits | 67.3815% | 5,375 |
| Total domestic deposits to total assets | 91.0455% | 604 |
| Equity capital to assets | 8.6550% | 5,708 |
| Core capital (leverage) ratio | 8.5101% | 5,431 |
| Tier 1 risk-based capital ratio | 11.6101% | 6,015 |
| Total risk-based capital ratio | 12.8044% | 6,041 |
| Memoranda: | ||
| Average total assets | $193,389,500 | 3,198 |
| Average earning assets | $175,241,000 | 3,218 |
| Average equity | $16,407,000 | 3,650 |
| Average total loans | $118,634,500 | 3,284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 3,033 |
| Cost of funding earning assets | 0.4151% | 7,413 |
| Net interest margin | 4.9041% | 546 |
| Noninterest income to average assets | 1.5085% | 640 |
| Noninterest expense to average assets | 4.2121% | 890 |
| Loan and lease loss provision to assets | 0.2009% | 5,228 |
| Net operating income to assets | 1.5662% | 663 |
| Return on assets (ROA) | 1.5662% | 722 |
| Pretax return on assets | 1.5662% | 1,211 |
| Return on Equity (ROE) | 16.2665% | 557 |
| Retained earnings to average equity (ytd only) | 1.7150% | 4,656 |
| Net charge-offs to loans | 0.0755% | 6,047 |
| Credit loss provision to net charge-offs | 407.9545% | 595 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 636 |
| Efficiency ratio | 70.0056% | 4,181 |
| Assets per employee ($millions) | 2.8185% | 6,498 |
| Cash dividends to net income (ytd only)* | 89.4568% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 5,020 |
| Loan loss allowance to noncurrent loans | 409.6606% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 6,651 |
| Noncurrent loans to loans | 0.3165% | 6,421 |
| Net loans and leases to total assets | 61.4185% | 4,414 |
| Net loans and leases to deposits | 67.3097% | 5,196 |
| Net loans and leases to core deposits | 69.2134% | 5,522 |
| Total domestic deposits to total assets | 91.2477% | 485 |
| Equity capital to assets | 8.3147% | 6,124 |
| Core capital (leverage) ratio | 8.3756% | 5,585 |
| Tier 1 risk-based capital ratio | 11.5568% | 5,858 |
| Total risk-based capital ratio | 12.7297% | 5,929 |
| Memoranda: | ||
| Average total assets | $178,653,200 | 3,402 |
| Average earning assets | $162,864,000 | 3,393 |
| Average equity | $17,201,000 | 3,554 |
| Average total loans | $116,557,000 | 3,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 2,958 |
| Cost of funding earning assets | 0.4362% | 7,530 |
| Net interest margin | 4.9465% | 496 |
| Noninterest income to average assets | 1.5043% | 604 |
| Noninterest expense to average assets | 4.2556% | 772 |
| Loan and lease loss provision to assets | 0.2045% | 5,009 |
| Net operating income to assets | 1.5615% | 803 |
| Return on assets (ROA) | 1.5615% | 878 |
| Pretax return on assets | 1.5615% | 1,438 |
| Return on Equity (ROE) | 15.6250% | 759 |
| Retained earnings to average equity (ytd only) | 5.1625% | 2,866 |
| Net charge-offs to loans | 0.1086% | 5,450 |
| Credit loss provision to net charge-offs | 285.1064% | 1,134 |
| Earnings coverage of net charge-offs (x) | 24.6171% | 1,018 |
| Efficiency ratio | 70.2281% | 4,017 |
| Assets per employee ($millions) | 2.7989% | 6,587 |
| Cash dividends to net income (ytd only)* | 66.9599% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,370 |
| Loan loss allowance to noncurrent loans | 397.8378% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 6,864 |
| Noncurrent loans to loans | 0.3079% | 6,578 |
| Net loans and leases to total assets | 64.2559% | 4,070 |
| Net loans and leases to deposits | 71.4751% | 4,919 |
| Net loans and leases to core deposits | 73.8140% | 5,316 |
| Total domestic deposits to total assets | 89.8997% | 929 |
| Equity capital to assets | 9.6634% | 4,596 |
| Core capital (leverage) ratio | 9.0366% | 4,630 |
| Tier 1 risk-based capital ratio | 12.2229% | 5,244 |
| Total risk-based capital ratio | 13.3638% | 5,313 |
| Memoranda: | ||
| Average total assets | $174,698,000 | 3,501 |
| Average earning assets | $159,542,750 | 3,506 |
| Average equity | $17,458,750 | 3,564 |
| Average total loans | $115,443,250 | 3,464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 3,093 |
| Cost of funding earning assets | 0.4446% | 7,614 |
| Net interest margin | 4.9274% | 503 |
| Noninterest income to average assets | 1.3457% | 698 |
| Noninterest expense to average assets | 4.3512% | 678 |
| Loan and lease loss provision to assets | 0.2078% | 4,795 |
| Net operating income to assets | 1.3142% | 1,269 |
| Return on assets (ROA) | 1.3142% | 1,340 |
| Pretax return on assets | 1.3142% | 2,043 |
| Return on Equity (ROE) | 12.9963% | 1,239 |
| Retained earnings to average equity (ytd only) | -0.2886% | 5,790 |
| Net charge-offs to loans | 0.1370% | 4,851 |
| Credit loss provision to net charge-offs | 228.2051% | 1,697 |
| Earnings coverage of net charge-offs (x) | 16.7179% | 1,388 |
| Efficiency ratio | 73.6089% | 3,544 |
| Assets per employee ($millions) | 2.5738% | 6,995 |
| Cash dividends to net income (ytd only)* | 102.2202% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 5,432 |
| Loan loss allowance to noncurrent loans | 1,997.1429% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 7,296 |
| Noncurrent loans to loans | 0.0603% | 7,165 |
| Net loans and leases to total assets | 65.4797% | 3,942 |
| Net loans and leases to deposits | 72.8577% | 4,860 |
| Net loans and leases to core deposits | 76.2739% | 5,162 |
| Total domestic deposits to total assets | 89.8735% | 984 |
| Equity capital to assets | 9.7814% | 4,296 |
| Core capital (leverage) ratio | 9.1987% | 4,303 |
| Tier 1 risk-based capital ratio | 12.5151% | 4,846 |
| Total risk-based capital ratio | 13.6692% | 4,906 |
| Memoranda: | ||
| Average total assets | $171,355,000 | 3,582 |
| Average earning assets | $157,446,330 | 3,562 |
| Average equity | $17,328,000 | 3,581 |
| Average total loans | $113,867,670 | 3,541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 2,947 |
| Cost of funding earning assets | 0.4439% | 7,741 |
| Net interest margin | 4.9752% | 439 |
| Noninterest income to average assets | 1.2128% | 828 |
| Noninterest expense to average assets | 4.3935% | 643 |
| Loan and lease loss provision to assets | 0.2100% | 4,404 |
| Net operating income to assets | 1.1845% | 1,580 |
| Return on assets (ROA) | 1.1845% | 1,660 |
| Pretax return on assets | 1.1845% | 2,419 |
| Return on Equity (ROE) | 11.5187% | 1,638 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,629 |
| Net charge-offs to loans | 0.2624% | 3,365 |
| Credit loss provision to net charge-offs | 120.2703% | 2,897 |
| Earnings coverage of net charge-offs (x) | 7.9865% | 2,006 |
| Efficiency ratio | 75.4179% | 3,324 |
| Assets per employee ($millions) | 2.3657% | 7,378 |
| Cash dividends to net income (ytd only)* | 48.0080% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,764 |
| Loan loss allowance to noncurrent loans | 887.1622% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 7,267 |
| Noncurrent loans to loans | 0.1299% | 7,079 |
| Net loans and leases to total assets | 67.0620% | 3,614 |
| Net loans and leases to deposits | 74.9953% | 4,583 |
| Net loans and leases to core deposits | 82.2820% | 4,442 |
| Total domestic deposits to total assets | 89.4215% | 1,284 |
| Equity capital to assets | 10.2546% | 3,530 |
| Core capital (leverage) ratio | 9.4966% | 3,780 |
| Tier 1 risk-based capital ratio | 13.5459% | 3,955 |
| Total risk-based capital ratio | 14.7013% | 3,981 |
| Memoranda: | ||
| Average total assets | $169,524,500 | 3,667 |
| Average earning assets | $155,892,000 | 3,651 |
| Average equity | $17,432,500 | 3,581 |
| Average total loans | $112,802,500 | 3,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 4,116 |
| Cost of funding earning assets | 0.5289% | 7,819 |
| Net interest margin | 4.9761% | 474 |
| Noninterest income to average assets | 1.3016% | 885 |
| Noninterest expense to average assets | 4.3590% | 921 |
| Loan and lease loss provision to assets | 0.2061% | 5,697 |
| Net operating income to assets | 1.2981% | 1,041 |
| Return on assets (ROA) | 1.5105% | 706 |
| Pretax return on assets | 1.5105% | 1,165 |
| Return on Equity (ROE) | 14.9657% | 676 |
| Retained earnings to average equity (ytd only) | 3.8715% | 2,501 |
| Net charge-offs to loans | 0.0760% | 6,355 |
| Credit loss provision to net charge-offs | 440.7407% | 709 |
| Earnings coverage of net charge-offs (x) | 32.1728% | 722 |
| Efficiency ratio | 73.8827% | 3,921 |
| Assets per employee ($millions) | 2.3762% | 7,383 |
| Cash dividends to net income (ytd only)* | 74.1307% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,575 |
| Loan loss allowance to noncurrent loans | 307.5829% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 6,840 |
| Noncurrent loans to loans | 0.3780% | 6,521 |
| Net loans and leases to total assets | 64.5024% | 4,494 |
| Net loans and leases to deposits | 72.7857% | 5,225 |
| Net loans and leases to core deposits | 86.4857% | 5,476 |
| Total domestic deposits to total assets | 88.6197% | 1,668 |
| Equity capital to assets | 10.3112% | 3,389 |
| Core capital (leverage) ratio | 9.5482% | 3,662 |
| Tier 1 risk-based capital ratio | 13.4141% | 3,875 |
| Total risk-based capital ratio | 14.5127% | 3,920 |
| Memoranda: | ||
| Average total assets | $173,251,800 | 3,550 |
| Average earning assets | $158,820,200 | 3,538 |
| Average equity | $17,486,600 | 3,585 |
| Average total loans | $106,589,000 | 3,765 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5214% | 4,314 |
| Cost of funding earning assets | 0.5425% | 7,919 |
| Net interest margin | 4.9789% | 465 |
| Noninterest income to average assets | 1.3249% | 875 |
| Noninterest expense to average assets | 4.3161% | 895 |
| Loan and lease loss provision to assets | 0.1949% | 5,436 |
| Net operating income to assets | 1.3763% | 1,073 |
| Return on assets (ROA) | 1.6563% | 647 |
| Pretax return on assets | 1.6563% | 1,056 |
| Return on Equity (ROE) | 16.4981% | 597 |
| Retained earnings to average equity (ytd only) | 6.8850% | 1,554 |
| Net charge-offs to loans | 0.0962% | 5,710 |
| Credit loss provision to net charge-offs | 334.2105% | 1,231 |
| Earnings coverage of net charge-offs (x) | 26.9476% | 1,008 |
| Efficiency ratio | 72.8564% | 4,079 |
| Assets per employee ($millions) | 2.4131% | 7,362 |
| Cash dividends to net income (ytd only)* | 58.2678% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,572 |
| Loan loss allowance to noncurrent loans | 1,429.7619% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 7,298 |
| Noncurrent loans to loans | 0.0786% | 7,298 |
| Net loans and leases to total assets | 61.6832% | 5,290 |
| Net loans and leases to deposits | 69.1858% | 6,011 |
| Net loans and leases to core deposits | 82.0669% | 6,179 |
| Total domestic deposits to total assets | 89.1558% | 1,128 |
| Equity capital to assets | 10.5255% | 3,482 |
| Core capital (leverage) ratio | 9.5294% | 3,870 |
| Tier 1 risk-based capital ratio | 13.6380% | 3,757 |
| Total risk-based capital ratio | 14.6835% | 3,837 |
| Memoranda: | ||
| Average total assets | $173,793,500 | 3,554 |
| Average earning assets | $159,255,750 | 3,563 |
| Average equity | $17,448,000 | 3,624 |
| Average total loans | $105,323,250 | 3,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 4,570 |
| Cost of funding earning assets | 0.5568% | 8,019 |
| Net interest margin | 4.9530% | 482 |
| Noninterest income to average assets | 1.2244% | 1,033 |
| Noninterest expense to average assets | 4.1726% | 1,102 |
| Loan and lease loss provision to assets | 0.1981% | 5,070 |
| Net operating income to assets | 1.3676% | 1,088 |
| Return on assets (ROA) | 1.7856% | 521 |
| Pretax return on assets | 1.7856% | 870 |
| Return on Equity (ROE) | 18.0722% | 490 |
| Retained earnings to average equity (ytd only) | 6.2714% | 1,895 |
| Net charge-offs to loans | 0.1164% | 4,993 |
| Credit loss provision to net charge-offs | 283.6066% | 1,654 |
| Earnings coverage of net charge-offs (x) | 22.4098% | 1,223 |
| Efficiency ratio | 72.2355% | 4,364 |
| Assets per employee ($millions) | 2.7427% | 6,750 |
| Cash dividends to net income (ytd only)* | 65.2983% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,892 |
| Loan loss allowance to noncurrent loans | 8,723.0769% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 7,495 |
| Noncurrent loans to loans | 0.0121% | 7,532 |
| Net loans and leases to total assets | 60.7415% | 5,561 |
| Net loans and leases to deposits | 69.1735% | 6,075 |
| Net loans and leases to core deposits | 81.4213% | 6,292 |
| Total domestic deposits to total assets | 87.8103% | 1,859 |
| Equity capital to assets | 9.7708% | 4,257 |
| Core capital (leverage) ratio | 9.2558% | 4,227 |
| Tier 1 risk-based capital ratio | 13.3298% | 3,915 |
| Total risk-based capital ratio | 14.3134% | 4,020 |
| Memoranda: | ||
| Average total assets | $174,615,670 | 3,563 |
| Average earning assets | $159,137,000 | 3,577 |
| Average equity | $17,253,000 | 3,672 |
| Average total loans | $104,804,000 | 3,896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 5,104 |
| Cost of funding earning assets | 0.5936% | 8,060 |
| Net interest margin | 4.8699% | 533 |
| Noninterest income to average assets | 1.1231% | 1,174 |
| Noninterest expense to average assets | 4.1801% | 963 |
| Loan and lease loss provision to assets | 0.1952% | 4,488 |
| Net operating income to assets | 1.1943% | 1,671 |
| Return on assets (ROA) | 1.4653% | 1,079 |
| Pretax return on assets | 1.4653% | 1,766 |
| Return on Equity (ROE) | 14.7480% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.8525% | 660 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5567% | 3,723 |
| Assets per employee ($millions) | 2.6305% | 7,024 |
| Cash dividends to net income (ytd only)* | 12.8527% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 5,664 |
| Loan loss allowance to noncurrent loans | 1,495.9459% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 7,364 |
| Noncurrent loans to loans | 0.0718% | 7,320 |
| Net loans and leases to total assets | 57.0337% | 6,095 |
| Net loans and leases to deposits | 63.3847% | 6,612 |
| Net loans and leases to core deposits | 74.3118% | 6,790 |
| Total domestic deposits to total assets | 89.9802% | 812 |
| Equity capital to assets | 9.7465% | 4,311 |
| Core capital (leverage) ratio | 9.3995% | 4,107 |
| Tier 1 risk-based capital ratio | 13.8371% | 3,673 |
| Total risk-based capital ratio | 14.8435% | 3,725 |
| Memoranda: | ||
| Average total assets | $174,156,500 | 3,589 |
| Average earning assets | $159,019,000 | 3,595 |
| Average equity | $17,304,000 | 3,674 |
| Average total loans | $103,328,000 | 3,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2860% | 4,043 |
| Cost of funding earning assets | 1.2250% | 7,916 |
| Net interest margin | 5.0610% | 442 |
| Noninterest income to average assets | 1.1615% | 1,149 |
| Noninterest expense to average assets | 4.3530% | 991 |
| Loan and lease loss provision to assets | 0.1465% | 5,485 |
| Net operating income to assets | 1.2869% | 1,519 |
| Return on assets (ROA) | 1.2907% | 1,464 |
| Pretax return on assets | 1.2907% | 2,343 |
| Return on Equity (ROE) | 12.6902% | 1,412 |
| Retained earnings to average equity (ytd only) | 2.9675% | 3,326 |
| Net charge-offs to loans | -0.0011% | 7,723 |
| Credit loss provision to net charge-offs | -23,000.0000% | 7,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8872% | 3,414 |
| Assets per employee ($millions) | 2.4556% | 7,288 |
| Cash dividends to net income (ytd only)* | 76.6157% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,165 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 6,097 |
| Noncurrent loans to loans | 0.5641% | 5,679 |
| Net loans and leases to total assets | 60.4988% | 5,838 |
| Net loans and leases to deposits | 67.5929% | 6,497 |
| Net loans and leases to core deposits | 81.7826% | 6,478 |
| Total domestic deposits to total assets | 89.5047% | 846 |
| Equity capital to assets | 10.1359% | 3,879 |
| Core capital (leverage) ratio | 9.1995% | 4,441 |
| Tier 1 risk-based capital ratio | 13.5460% | 3,796 |
| Total risk-based capital ratio | 14.4884% | 3,886 |
| Memoranda: | ||
| Average total assets | $157,041,200 | 3,774 |
| Average earning assets | $143,508,800 | 3,770 |
| Average equity | $15,973,000 | 3,932 |
| Average total loans | $89,692,600 | 4,237 |