Home > The New Washington State Bank > Performance and Condition Ratios
The New Washington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 2,608 |
| Cost of funding earning assets | 1.0018% | 3,286 |
| Net interest margin | 3.7317% | 1,694 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.8442% | 1,403 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1160% | 1,875 |
| Return on assets (ROA) | 1.1160% | 1,850 |
| Pretax return on assets | 1.1160% | 2,367 |
| Return on Equity (ROE) | 15.6100% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.6916% | 1,990 |
| Net charge-offs to loans | 0.0113% | 2,226 |
| Credit loss provision to net charge-offs | 860.9756% | 461 |
| Earnings coverage of net charge-offs (x) | 150.7317% | 704 |
| Efficiency ratio | 70.6134% | 1,806 |
| Assets per employee ($millions) | 5.0765% | 3,575 |
| Cash dividends to net income (ytd only)* | 57.1306% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,580 |
| Loan loss allowance to noncurrent loans | 172.4192% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,157 |
| Noncurrent loans to loans | 0.6639% | 1,184 |
| Net loans and leases to total assets | 72.2800% | 1,547 |
| Net loans and leases to deposits | 80.3051% | 2,077 |
| Net loans and leases to core deposits | 84.4269% | 2,423 |
| Total domestic deposits to total assets | 90.0000% | 756 |
| Equity capital to assets | 7.3366% | 3,798 |
| Core capital (leverage) ratio | 10.0729% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $522,114,200 | 1,683 |
| Average earning assets | $488,220,400 | 1,669 |
| Average equity | $37,330,400 | 1,965 |
| Average total loans | $364,344,200 | 1,564 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 2,602 |
| Cost of funding earning assets | 0.9062% | 3,256 |
| Net interest margin | 3.7259% | 1,726 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.7909% | 1,454 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1557% | 1,910 |
| Return on assets (ROA) | 1.1557% | 1,894 |
| Pretax return on assets | 1.1557% | 2,401 |
| Return on Equity (ROE) | 16.2700% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.6498% | 2,418 |
| Net charge-offs to loans | 0.0130% | 1,930 |
| Credit loss provision to net charge-offs | 762.8571% | 484 |
| Earnings coverage of net charge-offs (x) | 136.8857% | 775 |
| Efficiency ratio | 69.5151% | 1,844 |
| Assets per employee ($millions) | 5.1999% | 3,431 |
| Cash dividends to net income (ytd only)* | 59.1291% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,636 |
| Loan loss allowance to noncurrent loans | 172.8773% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 1,210 |
| Noncurrent loans to loans | 0.6633% | 1,241 |
| Net loans and leases to total assets | 71.2200% | 1,666 |
| Net loans and leases to deposits | 77.7605% | 2,270 |
| Net loans and leases to core deposits | 82.0847% | 2,461 |
| Total domestic deposits to total assets | 91.5900% | 538 |
| Equity capital to assets | 6.7421% | 3,736 |
| Core capital (leverage) ratio | 10.0326% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $521,924,000 | 1,681 |
| Average earning assets | $487,130,750 | 1,670 |
| Average equity | $37,072,750 | 1,960 |
| Average total loans | $359,858,750 | 1,574 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 2,657 |
| Cost of funding earning assets | 0.7434% | 3,368 |
| Net interest margin | 3.7497% | 1,716 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.7089% | 1,615 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2370% | 1,727 |
| Return on assets (ROA) | 1.2370% | 1,723 |
| Pretax return on assets | 1.2370% | 2,264 |
| Return on Equity (ROE) | 17.1300% | 1,082 |
| Retained earnings to average equity (ytd only) | 7.0103% | 2,280 |
| Net charge-offs to loans | 0.0118% | 1,752 |
| Credit loss provision to net charge-offs | 928.5714% | 433 |
| Earnings coverage of net charge-offs (x) | 163.1905% | 707 |
| Efficiency ratio | 67.3774% | 2,062 |
| Assets per employee ($millions) | 5.3275% | 3,302 |
| Cash dividends to net income (ytd only)* | 59.0656% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,679 |
| Loan loss allowance to noncurrent loans | 4,556.9892% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,653 |
| Noncurrent loans to loans | 0.0254% | 3,575 |
| Net loans and leases to total assets | 69.3800% | 1,809 |
| Net loans and leases to deposits | 75.7836% | 2,331 |
| Net loans and leases to core deposits | 80.2490% | 2,455 |
| Total domestic deposits to total assets | 91.5600% | 496 |
| Equity capital to assets | 7.1058% | 3,735 |
| Core capital (leverage) ratio | 9.9835% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $522,569,333 | 1,682 |
| Average earning assets | $486,975,333 | 1,670 |
| Average equity | $37,744,333 | 1,949 |
| Average total loans | $354,932,000 | 1,584 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 2,642 |
| Cost of funding earning assets | 0.4654% | 3,790 |
| Net interest margin | 3.9008% | 1,485 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.6710% | 1,746 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3925% | 1,429 |
| Return on assets (ROA) | 1.3925% | 1,403 |
| Pretax return on assets | 1.3925% | 1,898 |
| Return on Equity (ROE) | 19.1200% | 867 |
| Retained earnings to average equity (ytd only) | 19.1242% | 428 |
| Net charge-offs to loans | 0.0183% | 1,317 |
| Credit loss provision to net charge-offs | 687.5000% | 462 |
| Earnings coverage of net charge-offs (x) | 120.6250% | 706 |
| Efficiency ratio | 64.3977% | 2,405 |
| Assets per employee ($millions) | 5.5226% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,690 |
| Loan loss allowance to noncurrent loans | 2,389.6552% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,449 |
| Noncurrent loans to loans | 0.0492% | 3,389 |
| Net loans and leases to total assets | 66.6400% | 1,994 |
| Net loans and leases to deposits | 72.6140% | 2,414 |
| Net loans and leases to core deposits | 75.9725% | 2,530 |
| Total domestic deposits to total assets | 91.7800% | 573 |
| Equity capital to assets | 7.5470% | 3,538 |
| Core capital (leverage) ratio | 10.0547% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $522,807,500 | 1,697 |
| Average earning assets | $486,466,000 | 1,690 |
| Average equity | $38,067,000 | 1,960 |
| Average total loans | $349,152,500 | 1,620 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 1,932 |
| Cost of funding earning assets | 0.1891% | 3,842 |
| Net interest margin | 3.7321% | 1,300 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.7324% | 1,487 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2843% | 1,490 |
| Return on assets (ROA) | 1.2825% | 1,450 |
| Pretax return on assets | 1.2825% | 2,152 |
| Return on Equity (ROE) | 17.2900% | 815 |
| Retained earnings to average equity (ytd only) | 17.2939% | 159 |
| Net charge-offs to loans | -0.0122% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.9143% | 2,097 |
| Assets per employee ($millions) | 5.3160% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,493 |
| Loan loss allowance to noncurrent loans | 963.0332% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 2,991 |
| Noncurrent loans to loans | 0.1225% | 2,907 |
| Net loans and leases to total assets | 65.3500% | 2,106 |
| Net loans and leases to deposits | 70.9379% | 2,493 |
| Net loans and leases to core deposits | 73.3690% | 2,619 |
| Total domestic deposits to total assets | 92.1200% | 609 |
| Equity capital to assets | 7.0136% | 3,663 |
| Core capital (leverage) ratio | 9.7714% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $511,023,800 | 1,694 |
| Average earning assets | $480,670,800 | 1,676 |
| Average equity | $37,897,800 | 2,002 |
| Average total loans | $320,139,200 | 1,636 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 1,781 |
| Cost of funding earning assets | 0.1648% | 3,684 |
| Net interest margin | 3.6299% | 1,317 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.6772% | 1,517 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2538% | 1,512 |
| Return on assets (ROA) | 1.2514% | 1,490 |
| Pretax return on assets | 1.2514% | 2,203 |
| Return on Equity (ROE) | 16.6400% | 863 |
| Retained earnings to average equity (ytd only) | 16.6429% | 232 |
| Net charge-offs to loans | -0.0157% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.9003% | 2,165 |
| Assets per employee ($millions) | 5.3496% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,541 |
| Loan loss allowance to noncurrent loans | 4,157.2917% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,763 |
| Noncurrent loans to loans | 0.0288% | 3,692 |
| Net loans and leases to total assets | 64.0800% | 2,075 |
| Net loans and leases to deposits | 69.2355% | 2,435 |
| Net loans and leases to core deposits | 71.7077% | 2,508 |
| Total domestic deposits to total assets | 92.5600% | 696 |
| Equity capital to assets | 6.6776% | 3,666 |
| Core capital (leverage) ratio | 9.2478% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $508,536,750 | 1,706 |
| Average earning assets | $479,817,750 | 1,687 |
| Average equity | $38,237,500 | 2,015 |
| Average total loans | $314,045,500 | 1,654 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 1,679 |
| Cost of funding earning assets | 0.1556% | 3,506 |
| Net interest margin | 3.4950% | 1,326 |
| Noninterest income to average assets | 0.5745% | 1,846 |
| Noninterest expense to average assets | 2.6023% | 1,631 |
| Loan and lease loss provision to assets | 0.0710% | 1,346 |
| Net operating income to assets | 1.2078% | 1,399 |
| Return on assets (ROA) | 1.2043% | 1,395 |
| Pretax return on assets | 1.2043% | 2,065 |
| Return on Equity (ROE) | 15.4328% | 812 |
| Retained earnings to average equity (ytd only) | 15.4328% | 230 |
| Net charge-offs to loans | -0.0234% | 3,949 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0496% | 2,376 |
| Assets per employee ($millions) | 5.6885% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,584 |
| Loan loss allowance to noncurrent loans | 3,170.7317% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,762 |
| Noncurrent loans to loans | 0.0385% | 3,660 |
| Net loans and leases to total assets | 60.3141% | 2,289 |
| Net loans and leases to deposits | 65.3815% | 2,596 |
| Net loans and leases to core deposits | 67.3456% | 2,710 |
| Total domestic deposits to total assets | 92.2495% | 744 |
| Equity capital to assets | 6.9862% | 3,780 |
| Core capital (leverage) ratio | 9.1020% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $506,860,333 | 1,716 |
| Average earning assets | $479,549,000 | 1,698 |
| Average equity | $39,552,000 | 2,020 |
| Average total loans | $307,697,333 | 1,680 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 1,661 |
| Cost of funding earning assets | 0.1521% | 3,482 |
| Net interest margin | 3.3918% | 1,321 |
| Noninterest income to average assets | 0.5471% | 1,914 |
| Noninterest expense to average assets | 2.6962% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0718% | 1,616 |
| Return on assets (ROA) | 1.0645% | 1,633 |
| Pretax return on assets | 1.0645% | 2,249 |
| Return on Equity (ROE) | 12.9315% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.9315% | 475 |
| Net charge-offs to loans | -0.0464% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5563% | 2,035 |
| Assets per employee ($millions) | 5.7493% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,736 |
| Loan loss allowance to noncurrent loans | 1,188.1789% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,449 |
| Noncurrent loans to loans | 0.1031% | 3,326 |
| Net loans and leases to total assets | 58.6270% | 2,227 |
| Net loans and leases to deposits | 64.0706% | 2,523 |
| Net loans and leases to core deposits | 64.7591% | 2,738 |
| Total domestic deposits to total assets | 91.5038% | 803 |
| Equity capital to assets | 7.6632% | 3,820 |
| Core capital (leverage) ratio | 9.0700% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $498,618,500 | 1,737 |
| Average earning assets | $473,492,000 | 1,720 |
| Average equity | $41,047,000 | 2,018 |
| Average total loans | $301,771,000 | 1,695 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 1,502 |
| Cost of funding earning assets | 0.1754% | 3,706 |
| Net interest margin | 3.7710% | 1,067 |
| Noninterest income to average assets | 0.7242% | 1,680 |
| Noninterest expense to average assets | 2.8258% | 1,297 |
| Loan and lease loss provision to assets | 0.0822% | 1,492 |
| Net operating income to assets | 1.3906% | 1,309 |
| Return on assets (ROA) | 1.3906% | 1,361 |
| Pretax return on assets | 1.3906% | 2,085 |
| Return on Equity (ROE) | 15.4616% | 846 |
| Retained earnings to average equity (ytd only) | 8.0398% | 1,523 |
| Net charge-offs to loans | -0.0010% | 3,285 |
| Credit loss provision to net charge-offs | -12,033.3333% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7375% | 2,298 |
| Assets per employee ($millions) | 5.3950% | 3,359 |
| Cash dividends to net income (ytd only)* | 48.0013% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,738 |
| Loan loss allowance to noncurrent loans | 1,860.6061% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,644 |
| Noncurrent loans to loans | 0.0660% | 3,612 |
| Net loans and leases to total assets | 60.9931% | 2,059 |
| Net loans and leases to deposits | 67.0904% | 2,397 |
| Net loans and leases to core deposits | 67.8048% | 2,667 |
| Total domestic deposits to total assets | 90.9119% | 523 |
| Equity capital to assets | 8.8317% | 3,778 |
| Core capital (leverage) ratio | 9.2404% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,958,000 | 1,870 |
| Average earning assets | $416,074,600 | 1,848 |
| Average equity | $39,478,400 | 2,099 |
| Average total loans | $294,264,400 | 1,728 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 1,491 |
| Cost of funding earning assets | 0.1809% | 3,813 |
| Net interest margin | 3.8400% | 1,043 |
| Noninterest income to average assets | 0.7407% | 1,696 |
| Noninterest expense to average assets | 2.8419% | 1,241 |
| Loan and lease loss provision to assets | 0.1126% | 1,069 |
| Net operating income to assets | 1.4166% | 1,489 |
| Return on assets (ROA) | 1.4166% | 1,552 |
| Pretax return on assets | 1.4166% | 2,267 |
| Return on Equity (ROE) | 15.6707% | 1,007 |
| Retained earnings to average equity (ytd only) | 5.9714% | 2,835 |
| Net charge-offs to loans | -0.0036% | 3,347 |
| Credit loss provision to net charge-offs | -4,512.5000% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0153% | 2,241 |
| Assets per employee ($millions) | 4.9297% | 3,764 |
| Cash dividends to net income (ytd only)* | 61.8943% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,901 |
| Loan loss allowance to noncurrent loans | 1,267.6976% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,608 |
| Noncurrent loans to loans | 0.0962% | 3,599 |
| Net loans and leases to total assets | 65.9127% | 1,561 |
| Net loans and leases to deposits | 72.2626% | 2,026 |
| Net loans and leases to core deposits | 73.0429% | 2,314 |
| Total domestic deposits to total assets | 91.2128% | 307 |
| Equity capital to assets | 8.6075% | 4,127 |
| Core capital (leverage) ratio | 8.6652% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,310,500 | 1,921 |
| Average earning assets | $403,978,000 | 1,904 |
| Average equity | $38,627,500 | 2,155 |
| Average total loans | $292,871,750 | 1,766 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 1,931 |
| Cost of funding earning assets | 0.1836% | 3,916 |
| Net interest margin | 3.6730% | 1,415 |
| Noninterest income to average assets | 0.9179% | 1,224 |
| Noninterest expense to average assets | 2.8358% | 1,277 |
| Loan and lease loss provision to assets | 0.1276% | 982 |
| Net operating income to assets | 1.4335% | 1,474 |
| Return on assets (ROA) | 1.4335% | 1,537 |
| Pretax return on assets | 1.4335% | 2,232 |
| Return on Equity (ROE) | 15.5882% | 1,038 |
| Retained earnings to average equity (ytd only) | 5.9235% | 2,833 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4968% | 2,361 |
| Assets per employee ($millions) | 4.8274% | 3,810 |
| Cash dividends to net income (ytd only)* | 62.0000% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,068 |
| Loan loss allowance to noncurrent loans | 1,051.9062% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 3,549 |
| Noncurrent loans to loans | 0.1118% | 3,630 |
| Net loans and leases to total assets | 68.6319% | 1,369 |
| Net loans and leases to deposits | 75.3702% | 1,884 |
| Net loans and leases to core deposits | 76.1307% | 2,226 |
| Total domestic deposits to total assets | 91.0597% | 356 |
| Equity capital to assets | 8.7964% | 3,978 |
| Core capital (leverage) ratio | 8.8963% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,569,667 | 1,944 |
| Average earning assets | $396,457,333 | 1,923 |
| Average equity | $38,490,667 | 2,155 |
| Average total loans | $289,620,667 | 1,785 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 2,011 |
| Cost of funding earning assets | 0.1875% | 4,024 |
| Net interest margin | 3.6432% | 1,466 |
| Noninterest income to average assets | 0.9289% | 1,255 |
| Noninterest expense to average assets | 2.8476% | 1,265 |
| Loan and lease loss provision to assets | 0.0764% | 1,667 |
| Net operating income to assets | 1.4512% | 1,443 |
| Return on assets (ROA) | 1.4512% | 1,508 |
| Pretax return on assets | 1.4512% | 2,135 |
| Return on Equity (ROE) | 15.4211% | 1,133 |
| Retained earnings to average equity (ytd only) | 15.4211% | 586 |
| Net charge-offs to loans | 0.0028% | 1,819 |
| Credit loss provision to net charge-offs | 3,900.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 779.5000% | 122 |
| Efficiency ratio | 65.0840% | 2,347 |
| Assets per employee ($millions) | 4.8208% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 3,074 |
| Loan loss allowance to noncurrent loans | 828.2927% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 3,623 |
| Noncurrent loans to loans | 0.1417% | 3,609 |
| Net loans and leases to total assets | 68.1944% | 1,505 |
| Net loans and leases to deposits | 75.2750% | 1,987 |
| Net loans and leases to core deposits | 76.0250% | 2,353 |
| Total domestic deposits to total assets | 90.5937% | 545 |
| Equity capital to assets | 9.2673% | 3,429 |
| Core capital (leverage) ratio | 9.5508% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,208,000 | 1,963 |
| Average earning assets | $386,140,500 | 1,948 |
| Average equity | $38,415,000 | 2,147 |
| Average total loans | $281,890,000 | 1,822 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 1,672 |
| Cost of funding earning assets | 0.2788% | 4,255 |
| Net interest margin | 4.0893% | 804 |
| Noninterest income to average assets | 0.8751% | 1,332 |
| Noninterest expense to average assets | 3.1334% | 1,173 |
| Loan and lease loss provision to assets | 0.0560% | 3,668 |
| Net operating income to assets | 1.5303% | 746 |
| Return on assets (ROA) | 1.5377% | 795 |
| Pretax return on assets | 1.5377% | 1,229 |
| Return on Equity (ROE) | 15.6406% | 547 |
| Retained earnings to average equity (ytd only) | 5.5299% | 2,028 |
| Net charge-offs to loans | 0.0216% | 2,626 |
| Credit loss provision to net charge-offs | 355.9322% | 1,565 |
| Earnings coverage of net charge-offs (x) | 100.8305% | 781 |
| Efficiency ratio | 66.3898% | 2,467 |
| Assets per employee ($millions) | 4.3627% | 4,060 |
| Cash dividends to net income (ytd only)* | 64.6437% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,888 |
| Loan loss allowance to noncurrent loans | 862.3377% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 3,750 |
| Noncurrent loans to loans | 0.1403% | 3,721 |
| Net loans and leases to total assets | 68.2734% | 1,789 |
| Net loans and leases to deposits | 75.7457% | 2,308 |
| Net loans and leases to core deposits | 76.6502% | 2,663 |
| Total domestic deposits to total assets | 90.1351% | 512 |
| Equity capital to assets | 9.5621% | 3,546 |
| Core capital (leverage) ratio | 9.4777% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,029,800 | 1,942 |
| Average earning assets | $352,575,800 | 1,929 |
| Average equity | $36,872,000 | 2,140 |
| Average total loans | $273,277,600 | 1,811 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,674 |
| Cost of funding earning assets | 0.3035% | 4,304 |
| Net interest margin | 4.1573% | 796 |
| Noninterest income to average assets | 0.8652% | 1,317 |
| Noninterest expense to average assets | 3.1574% | 1,145 |
| Loan and lease loss provision to assets | 0.0487% | 3,746 |
| Net operating income to assets | 1.5630% | 790 |
| Return on assets (ROA) | 1.5630% | 869 |
| Pretax return on assets | 1.5630% | 1,294 |
| Return on Equity (ROE) | 15.7812% | 575 |
| Retained earnings to average equity (ytd only) | 6.0619% | 2,082 |
| Net charge-offs to loans | 0.0171% | 2,528 |
| Credit loss provision to net charge-offs | 385.7143% | 1,505 |
| Earnings coverage of net charge-offs (x) | 127.6286% | 669 |
| Efficiency ratio | 66.2052% | 2,444 |
| Assets per employee ($millions) | 4.4473% | 3,907 |
| Cash dividends to net income (ytd only)* | 61.5882% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 2,803 |
| Loan loss allowance to noncurrent loans | 1,068.3007% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 4,037 |
| Noncurrent loans to loans | 0.1100% | 3,926 |
| Net loans and leases to total assets | 71.0225% | 1,812 |
| Net loans and leases to deposits | 78.9351% | 2,432 |
| Net loans and leases to core deposits | 79.9174% | 2,851 |
| Total domestic deposits to total assets | 89.9758% | 431 |
| Equity capital to assets | 9.7598% | 3,471 |
| Core capital (leverage) ratio | 9.4976% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,536,000 | 1,943 |
| Average earning assets | $347,008,000 | 1,933 |
| Average equity | $36,599,500 | 2,134 |
| Average total loans | $273,004,750 | 1,804 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 1,564 |
| Cost of funding earning assets | 0.3457% | 4,290 |
| Net interest margin | 4.2951% | 761 |
| Noninterest income to average assets | 0.7918% | 1,457 |
| Noninterest expense to average assets | 3.2127% | 1,141 |
| Loan and lease loss provision to assets | 0.0302% | 3,881 |
| Net operating income to assets | 1.5731% | 799 |
| Return on assets (ROA) | 1.5731% | 874 |
| Pretax return on assets | 1.5731% | 1,287 |
| Return on Equity (ROE) | 15.8014% | 603 |
| Retained earnings to average equity (ytd only) | 6.1195% | 2,018 |
| Net charge-offs to loans | 0.0081% | 2,656 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 265.0909% | 357 |
| Efficiency ratio | 66.7085% | 2,415 |
| Assets per employee ($millions) | 4.6032% | 3,650 |
| Cash dividends to net income (ytd only)* | 61.2723% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 2,625 |
| Loan loss allowance to noncurrent loans | 761.6114% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,988 |
| Noncurrent loans to loans | 0.1546% | 3,838 |
| Net loans and leases to total assets | 68.9370% | 2,195 |
| Net loans and leases to deposits | 76.2995% | 2,827 |
| Net loans and leases to core deposits | 77.2346% | 3,174 |
| Total domestic deposits to total assets | 90.3504% | 311 |
| Equity capital to assets | 9.4921% | 3,667 |
| Core capital (leverage) ratio | 9.6467% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,743,333 | 1,950 |
| Average earning assets | $340,803,000 | 1,939 |
| Average equity | $36,212,000 | 2,142 |
| Average total loans | $271,318,000 | 1,789 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 1,241 |
| Cost of funding earning assets | 0.4408% | 4,194 |
| Net interest margin | 4.4406% | 579 |
| Noninterest income to average assets | 0.8229% | 1,246 |
| Noninterest expense to average assets | 3.3911% | 1,076 |
| Loan and lease loss provision to assets | 0.0114% | 3,634 |
| Net operating income to assets | 1.5772% | 656 |
| Return on assets (ROA) | 1.5772% | 722 |
| Pretax return on assets | 1.5772% | 1,119 |
| Return on Equity (ROE) | 15.4414% | 493 |
| Retained earnings to average equity (ytd only) | 5.8968% | 1,917 |
| Net charge-offs to loans | 0.0192% | 1,981 |
| Credit loss provision to net charge-offs | 76.9231% | 1,948 |
| Earnings coverage of net charge-offs (x) | 106.9231% | 551 |
| Efficiency ratio | 68.0973% | 2,650 |
| Assets per employee ($millions) | 3.9606% | 3,973 |
| Cash dividends to net income (ytd only)* | 61.8116% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,842 |
| Loan loss allowance to noncurrent loans | 824.4792% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,080 |
| Noncurrent loans to loans | 0.1415% | 3,957 |
| Net loans and leases to total assets | 75.2512% | 1,422 |
| Net loans and leases to deposits | 83.9369% | 2,236 |
| Net loans and leases to core deposits | 85.0553% | 2,757 |
| Total domestic deposits to total assets | 89.6521% | 429 |
| Equity capital to assets | 10.1894% | 3,608 |
| Core capital (leverage) ratio | 10.1942% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,979,000 | 1,960 |
| Average earning assets | $327,612,000 | 1,942 |
| Average equity | $35,748,000 | 2,155 |
| Average total loans | $270,504,500 | 1,757 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 1,425 |
| Cost of funding earning assets | 0.4987% | 4,096 |
| Net interest margin | 4.5203% | 692 |
| Noninterest income to average assets | 0.7819% | 1,506 |
| Noninterest expense to average assets | 3.3417% | 1,223 |
| Loan and lease loss provision to assets | 0.0598% | 2,843 |
| Net operating income to assets | 1.6077% | 828 |
| Return on assets (ROA) | 1.6077% | 885 |
| Pretax return on assets | 1.6077% | 1,467 |
| Return on Equity (ROE) | 15.9686% | 542 |
| Retained earnings to average equity (ytd only) | 5.6172% | 2,091 |
| Net charge-offs to loans | 0.0603% | 2,241 |
| Credit loss provision to net charge-offs | 126.0870% | 2,023 |
| Earnings coverage of net charge-offs (x) | 35.1801% | 1,424 |
| Efficiency ratio | 66.7117% | 2,659 |
| Assets per employee ($millions) | 3.8168% | 4,138 |
| Cash dividends to net income (ytd only)* | 64.8233% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,568 |
| Loan loss allowance to noncurrent loans | 1,077.8912% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 4,217 |
| Noncurrent loans to loans | 0.1090% | 4,092 |
| Net loans and leases to total assets | 77.5647% | 1,147 |
| Net loans and leases to deposits | 86.7185% | 2,008 |
| Net loans and leases to core deposits | 88.0811% | 2,597 |
| Total domestic deposits to total assets | 89.4442% | 515 |
| Equity capital to assets | 10.2402% | 3,686 |
| Core capital (leverage) ratio | 10.3083% | 3,183 |
| Tier 1 risk-based capital ratio | 12.7566% | 3,916 |
| Total risk-based capital ratio | 13.9072% | 3,856 |
| Memoranda: | ||
| Average total assets | $339,678,800 | 1,946 |
| Average earning assets | $317,657,000 | 1,929 |
| Average equity | $34,198,400 | 2,179 |
| Average total loans | $266,878,400 | 1,746 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0453% | 1,429 |
| Cost of funding earning assets | 0.5020% | 4,135 |
| Net interest margin | 4.5433% | 696 |
| Noninterest income to average assets | 0.7534% | 1,581 |
| Noninterest expense to average assets | 3.3124% | 1,240 |
| Loan and lease loss provision to assets | 0.0673% | 2,540 |
| Net operating income to assets | 1.6202% | 886 |
| Return on assets (ROA) | 1.6202% | 925 |
| Pretax return on assets | 1.6202% | 1,561 |
| Return on Equity (ROE) | 16.1626% | 585 |
| Retained earnings to average equity (ytd only) | 5.8431% | 2,438 |
| Net charge-offs to loans | 0.0721% | 1,798 |
| Credit loss provision to net charge-offs | 118.7500% | 1,972 |
| Earnings coverage of net charge-offs (x) | 29.7701% | 1,631 |
| Efficiency ratio | 66.2494% | 2,695 |
| Assets per employee ($millions) | 3.6533% | 4,328 |
| Cash dividends to net income (ytd only)* | 63.8484% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,581 |
| Loan loss allowance to noncurrent loans | 679.7414% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 3,832 |
| Noncurrent loans to loans | 0.1744% | 3,912 |
| Net loans and leases to total assets | 77.3570% | 1,253 |
| Net loans and leases to deposits | 86.4842% | 2,133 |
| Net loans and leases to core deposits | 88.0213% | 2,728 |
| Total domestic deposits to total assets | 89.4464% | 463 |
| Equity capital to assets | 10.2505% | 3,778 |
| Core capital (leverage) ratio | 10.1747% | 3,451 |
| Tier 1 risk-based capital ratio | 12.7218% | 4,014 |
| Total risk-based capital ratio | 13.8780% | 3,942 |
| Memoranda: | ||
| Average total assets | $338,721,500 | 1,962 |
| Average earning assets | $316,591,250 | 1,944 |
| Average equity | $33,954,000 | 2,210 |
| Average total loans | $266,195,500 | 1,756 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 1,491 |
| Cost of funding earning assets | 0.4958% | 4,133 |
| Net interest margin | 4.5024% | 767 |
| Noninterest income to average assets | 0.7075% | 1,684 |
| Noninterest expense to average assets | 3.2319% | 1,441 |
| Loan and lease loss provision to assets | 0.0887% | 2,068 |
| Net operating income to assets | 1.5953% | 920 |
| Return on assets (ROA) | 1.5953% | 964 |
| Pretax return on assets | 1.5953% | 1,558 |
| Return on Equity (ROE) | 16.0354% | 583 |
| Retained earnings to average equity (ytd only) | 5.7095% | 2,408 |
| Net charge-offs to loans | 0.0924% | 1,439 |
| Credit loss provision to net charge-offs | 121.9512% | 1,722 |
| Earnings coverage of net charge-offs (x) | 23.1626% | 1,662 |
| Efficiency ratio | 65.7449% | 2,848 |
| Assets per employee ($millions) | 3.7341% | 4,203 |
| Cash dividends to net income (ytd only)* | 64.3942% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,753 |
| Loan loss allowance to noncurrent loans | 585.1577% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 3,750 |
| Noncurrent loans to loans | 0.1979% | 3,840 |
| Net loans and leases to total assets | 79.2386% | 1,005 |
| Net loans and leases to deposits | 88.2938% | 1,965 |
| Net loans and leases to core deposits | 89.8675% | 2,614 |
| Total domestic deposits to total assets | 89.7442% | 405 |
| Equity capital to assets | 10.0777% | 3,909 |
| Core capital (leverage) ratio | 10.0032% | 3,581 |
| Tier 1 risk-based capital ratio | 12.3631% | 4,213 |
| Total risk-based capital ratio | 13.5041% | 4,132 |
| Memoranda: | ||
| Average total assets | $338,375,330 | 1,970 |
| Average earning assets | $316,274,000 | 1,958 |
| Average equity | $33,663,000 | 2,217 |
| Average total loans | $266,266,670 | 1,767 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 1,656 |
| Cost of funding earning assets | 0.4678% | 4,214 |
| Net interest margin | 4.4115% | 876 |
| Noninterest income to average assets | 0.6610% | 1,776 |
| Noninterest expense to average assets | 3.1807% | 1,540 |
| Loan and lease loss provision to assets | 0.0829% | 2,045 |
| Net operating income to assets | 1.5080% | 1,092 |
| Return on assets (ROA) | 1.5080% | 1,120 |
| Pretax return on assets | 1.5080% | 1,733 |
| Return on Equity (ROE) | 15.2581% | 705 |
| Retained earnings to average equity (ytd only) | 15.2581% | 262 |
| Net charge-offs to loans | 0.1900% | 733 |
| Credit loss provision to net charge-offs | 56.0000% | 1,937 |
| Earnings coverage of net charge-offs (x) | 10.7440% | 1,946 |
| Efficiency ratio | 66.6584% | 2,846 |
| Assets per employee ($millions) | 4.0613% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,764 |
| Loan loss allowance to noncurrent loans | 758.5185% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 4,225 |
| Noncurrent loans to loans | 0.1537% | 4,047 |
| Net loans and leases to total assets | 75.4615% | 1,573 |
| Net loans and leases to deposits | 83.9214% | 2,396 |
| Net loans and leases to core deposits | 85.3163% | 2,929 |
| Total domestic deposits to total assets | 89.9193% | 479 |
| Equity capital to assets | 9.9113% | 3,910 |
| Core capital (leverage) ratio | 10.5138% | 3,037 |
| Tier 1 risk-based capital ratio | 12.8896% | 3,932 |
| Total risk-based capital ratio | 14.0377% | 3,888 |
| Memoranda: | ||
| Average total assets | $337,663,500 | 1,986 |
| Average earning assets | $314,635,000 | 1,978 |
| Average equity | $33,372,500 | 2,227 |
| Average total loans | $263,197,000 | 1,791 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 1,217 |
| Cost of funding earning assets | 0.3652% | 4,191 |
| Net interest margin | 4.5593% | 675 |
| Noninterest income to average assets | 0.7710% | 1,566 |
| Noninterest expense to average assets | 3.4092% | 1,135 |
| Loan and lease loss provision to assets | 0.0503% | 3,180 |
| Net operating income to assets | 1.5799% | 925 |
| Return on assets (ROA) | 1.5833% | 907 |
| Pretax return on assets | 1.5833% | 1,520 |
| Return on Equity (ROE) | 16.0284% | 628 |
| Retained earnings to average equity (ytd only) | 5.6224% | 2,402 |
| Net charge-offs to loans | 0.0131% | 3,245 |
| Credit loss provision to net charge-offs | 476.4706% | 715 |
| Earnings coverage of net charge-offs (x) | 154.5294% | 550 |
| Efficiency ratio | 67.6518% | 2,605 |
| Assets per employee ($millions) | 3.9299% | 3,996 |
| Cash dividends to net income (ytd only)* | 64.9226% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,624 |
| Loan loss allowance to noncurrent loans | 400.8974% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,429 |
| Noncurrent loans to loans | 0.2968% | 3,501 |
| Net loans and leases to total assets | 78.6674% | 1,155 |
| Net loans and leases to deposits | 87.6583% | 2,091 |
| Net loans and leases to core deposits | 89.1836% | 2,632 |
| Total domestic deposits to total assets | 89.7432% | 557 |
| Equity capital to assets | 9.8542% | 3,812 |
| Core capital (leverage) ratio | 10.2387% | 3,314 |
| Tier 1 risk-based capital ratio | 12.3813% | 4,193 |
| Total risk-based capital ratio | 13.5469% | 4,123 |
| Memoranda: | ||
| Average total assets | $322,307,600 | 2,033 |
| Average earning assets | $301,734,000 | 2,013 |
| Average equity | $31,837,200 | 2,230 |
| Average total loans | $260,481,800 | 1,776 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 1,215 |
| Cost of funding earning assets | 0.3476% | 4,195 |
| Net interest margin | 4.5313% | 694 |
| Noninterest income to average assets | 0.7708% | 1,577 |
| Noninterest expense to average assets | 3.3441% | 1,213 |
| Loan and lease loss provision to assets | 0.0499% | 2,990 |
| Net operating income to assets | 1.6352% | 882 |
| Return on assets (ROA) | 1.6398% | 870 |
| Pretax return on assets | 1.6398% | 1,445 |
| Return on Equity (ROE) | 16.5904% | 602 |
| Retained earnings to average equity (ytd only) | 6.2193% | 2,540 |
| Net charge-offs to loans | 0.0097% | 3,076 |
| Credit loss provision to net charge-offs | 631.5789% | 571 |
| Earnings coverage of net charge-offs (x) | 213.1279% | 423 |
| Efficiency ratio | 66.4929% | 2,786 |
| Assets per employee ($millions) | 3.8194% | 4,153 |
| Cash dividends to net income (ytd only)* | 62.5128% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,668 |
| Loan loss allowance to noncurrent loans | 965.7321% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 4,171 |
| Noncurrent loans to loans | 0.1234% | 4,336 |
| Net loans and leases to total assets | 79.1820% | 1,135 |
| Net loans and leases to deposits | 88.1025% | 2,140 |
| Net loans and leases to core deposits | 89.5867% | 2,693 |
| Total domestic deposits to total assets | 89.8748% | 551 |
| Equity capital to assets | 9.8165% | 3,805 |
| Core capital (leverage) ratio | 10.1750% | 3,435 |
| Tier 1 risk-based capital ratio | 12.4934% | 4,202 |
| Total risk-based capital ratio | 13.6704% | 4,130 |
| Memoranda: | ||
| Average total assets | $320,356,000 | 2,055 |
| Average earning assets | $301,067,250 | 2,027 |
| Average equity | $31,664,000 | 2,241 |
| Average total loans | $259,897,500 | 1,787 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 1,217 |
| Cost of funding earning assets | 0.3215% | 4,264 |
| Net interest margin | 4.4892% | 715 |
| Noninterest income to average assets | 0.7368% | 1,699 |
| Noninterest expense to average assets | 3.2842% | 1,357 |
| Loan and lease loss provision to assets | 0.0627% | 2,650 |
| Net operating income to assets | 1.6198% | 880 |
| Return on assets (ROA) | 1.6198% | 882 |
| Pretax return on assets | 1.6198% | 1,442 |
| Return on Equity (ROE) | 16.3503% | 607 |
| Retained earnings to average equity (ytd only) | 6.0325% | 2,543 |
| Net charge-offs to loans | 0.0131% | 2,697 |
| Credit loss provision to net charge-offs | 588.2353% | 634 |
| Earnings coverage of net charge-offs (x) | 157.8235% | 500 |
| Efficiency ratio | 66.1237% | 2,954 |
| Assets per employee ($millions) | 3.8080% | 4,199 |
| Cash dividends to net income (ytd only)* | 63.1049% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,832 |
| Loan loss allowance to noncurrent loans | 19,262.5000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,650 |
| Noncurrent loans to loans | 0.0061% | 4,935 |
| Net loans and leases to total assets | 80.6536% | 920 |
| Net loans and leases to deposits | 89.6856% | 1,880 |
| Net loans and leases to core deposits | 91.4111% | 2,447 |
| Total domestic deposits to total assets | 89.9293% | 592 |
| Equity capital to assets | 9.8709% | 3,751 |
| Core capital (leverage) ratio | 10.2246% | 3,333 |
| Tier 1 risk-based capital ratio | 12.3413% | 4,280 |
| Total risk-based capital ratio | 13.5160% | 4,206 |
| Memoranda: | ||
| Average total assets | $318,925,670 | 2,071 |
| Average earning assets | $300,499,670 | 2,043 |
| Average equity | $31,595,670 | 2,247 |
| Average total loans | $259,809,330 | 1,792 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 1,158 |
| Cost of funding earning assets | 0.2844% | 4,465 |
| Net interest margin | 4.4797% | 645 |
| Noninterest income to average assets | 0.7134% | 1,773 |
| Noninterest expense to average assets | 3.2796% | 1,385 |
| Loan and lease loss provision to assets | 0.0980% | 1,881 |
| Net operating income to assets | 1.5701% | 919 |
| Return on assets (ROA) | 1.5701% | 929 |
| Pretax return on assets | 1.5701% | 1,474 |
| Return on Equity (ROE) | 15.8195% | 657 |
| Retained earnings to average equity (ytd only) | 15.8195% | 260 |
| Net charge-offs to loans | 0.0293% | 1,911 |
| Credit loss provision to net charge-offs | 410.5263% | 680 |
| Earnings coverage of net charge-offs (x) | 69.8947% | 772 |
| Efficiency ratio | 66.2859% | 3,108 |
| Assets per employee ($millions) | 3.8855% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,937 |
| Loan loss allowance to noncurrent loans | 16,094.7368% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,661 |
| Noncurrent loans to loans | 0.0073% | 4,982 |
| Net loans and leases to total assets | 81.3815% | 742 |
| Net loans and leases to deposits | 90.7904% | 1,586 |
| Net loans and leases to core deposits | 92.4022% | 2,267 |
| Total domestic deposits to total assets | 89.6366% | 820 |
| Equity capital to assets | 10.1765% | 3,422 |
| Core capital (leverage) ratio | 10.3678% | 3,097 |
| Tier 1 risk-based capital ratio | 12.6199% | 4,165 |
| Total risk-based capital ratio | 13.8010% | 4,114 |
| Memoranda: | ||
| Average total assets | $318,454,000 | 2,083 |
| Average earning assets | $301,001,500 | 2,054 |
| Average equity | $31,606,500 | 2,263 |
| Average total loans | $259,180,000 | 1,798 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,431 |
| Cost of funding earning assets | 0.2591% | 4,489 |
| Net interest margin | 4.3405% | 883 |
| Noninterest income to average assets | 0.7833% | 1,636 |
| Noninterest expense to average assets | 3.2936% | 1,386 |
| Loan and lease loss provision to assets | 0.0953% | 2,300 |
| Net operating income to assets | 1.5016% | 803 |
| Return on assets (ROA) | 1.5016% | 817 |
| Pretax return on assets | 1.5016% | 1,641 |
| Return on Equity (ROE) | 15.1658% | 586 |
| Retained earnings to average equity (ytd only) | 4.9976% | 2,129 |
| Net charge-offs to loans | 0.0803% | 2,305 |
| Credit loss provision to net charge-offs | 146.0396% | 1,818 |
| Earnings coverage of net charge-offs (x) | 24.4752% | 1,755 |
| Efficiency ratio | 67.3469% | 3,028 |
| Assets per employee ($millions) | 4.0273% | 3,916 |
| Cash dividends to net income (ytd only)* | 67.0467% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,017 |
| Loan loss allowance to noncurrent loans | 411.3855% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 3,482 |
| Noncurrent loans to loans | 0.2813% | 3,775 |
| Net loans and leases to total assets | 79.5123% | 1,033 |
| Net loans and leases to deposits | 88.3396% | 1,980 |
| Net loans and leases to core deposits | 89.7050% | 2,592 |
| Total domestic deposits to total assets | 90.0076% | 565 |
| Equity capital to assets | 9.6793% | 4,059 |
| Core capital (leverage) ratio | 9.9146% | 3,563 |
| Tier 1 risk-based capital ratio | 11.9727% | 4,550 |
| Total risk-based capital ratio | 13.1153% | 4,503 |
| Memoranda: | ||
| Average total assets | $309,599,200 | 2,121 |
| Average earning assets | $292,961,800 | 2,080 |
| Average equity | $30,654,600 | 2,315 |
| Average total loans | $251,634,400 | 1,806 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,426 |
| Cost of funding earning assets | 0.2575% | 4,504 |
| Net interest margin | 4.3210% | 876 |
| Noninterest income to average assets | 0.7836% | 1,643 |
| Noninterest expense to average assets | 3.3166% | 1,307 |
| Loan and lease loss provision to assets | 0.1022% | 2,065 |
| Net operating income to assets | 1.4540% | 985 |
| Return on assets (ROA) | 1.4531% | 1,003 |
| Pretax return on assets | 1.4531% | 1,934 |
| Return on Equity (ROE) | 14.5902% | 720 |
| Retained earnings to average equity (ytd only) | 4.5212% | 3,211 |
| Net charge-offs to loans | 0.1062% | 1,729 |
| Credit loss provision to net charge-offs | 118.0905% | 2,029 |
| Earnings coverage of net charge-offs (x) | 17.9746% | 2,078 |
| Efficiency ratio | 68.0625% | 2,860 |
| Assets per employee ($millions) | 3.9321% | 4,101 |
| Cash dividends to net income (ytd only)* | 69.0121% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,135 |
| Loan loss allowance to noncurrent loans | 499.4907% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,742 |
| Noncurrent loans to loans | 0.2325% | 4,135 |
| Net loans and leases to total assets | 80.5922% | 902 |
| Net loans and leases to deposits | 89.7526% | 1,837 |
| Net loans and leases to core deposits | 91.7681% | 2,468 |
| Total domestic deposits to total assets | 89.7937% | 548 |
| Equity capital to assets | 9.9297% | 3,995 |
| Core capital (leverage) ratio | 10.0338% | 3,531 |
| Tier 1 risk-based capital ratio | 12.2960% | 4,434 |
| Total risk-based capital ratio | 13.4656% | 4,381 |
| Memoranda: | ||
| Average total assets | $306,453,000 | 2,146 |
| Average earning assets | $290,015,750 | 2,112 |
| Average equity | $30,522,000 | 2,340 |
| Average total loans | $249,749,250 | 1,828 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,415 |
| Cost of funding earning assets | 0.2533% | 4,513 |
| Net interest margin | 4.2846% | 900 |
| Noninterest income to average assets | 0.7861% | 1,620 |
| Noninterest expense to average assets | 3.3285% | 1,318 |
| Loan and lease loss provision to assets | 0.0203% | 3,572 |
| Net operating income to assets | 1.4954% | 873 |
| Return on assets (ROA) | 1.4954% | 896 |
| Pretax return on assets | 1.4954% | 1,656 |
| Return on Equity (ROE) | 14.9995% | 660 |
| Retained earnings to average equity (ytd only) | 4.7083% | 2,909 |
| Net charge-offs to loans | 0.0290% | 2,631 |
| Credit loss provision to net charge-offs | 86.1111% | 2,193 |
| Earnings coverage of net charge-offs (x) | 64.2222% | 903 |
| Efficiency ratio | 68.7102% | 2,892 |
| Assets per employee ($millions) | 3.6542% | 4,504 |
| Cash dividends to net income (ytd only)* | 68.6103% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,252 |
| Loan loss allowance to noncurrent loans | 278.6744% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 3,229 |
| Noncurrent loans to loans | 0.4159% | 3,528 |
| Net loans and leases to total assets | 79.6419% | 1,002 |
| Net loans and leases to deposits | 88.5064% | 1,928 |
| Net loans and leases to core deposits | 90.5703% | 2,471 |
| Total domestic deposits to total assets | 89.9843% | 544 |
| Equity capital to assets | 9.8312% | 4,103 |
| Core capital (leverage) ratio | 9.9557% | 3,592 |
| Tier 1 risk-based capital ratio | 12.2980% | 4,430 |
| Total risk-based capital ratio | 13.4636% | 4,365 |
| Memoranda: | ||
| Average total assets | $305,059,670 | 2,166 |
| Average earning assets | $288,940,330 | 2,118 |
| Average equity | $30,414,330 | 2,344 |
| Average total loans | $248,569,670 | 1,833 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 1,389 |
| Cost of funding earning assets | 0.2456% | 4,573 |
| Net interest margin | 4.2476% | 888 |
| Noninterest income to average assets | 0.7556% | 1,727 |
| Noninterest expense to average assets | 3.2763% | 1,431 |
| Loan and lease loss provision to assets | 0.0410% | 2,986 |
| Net operating income to assets | 1.4662% | 868 |
| Return on assets (ROA) | 1.4662% | 892 |
| Pretax return on assets | 1.4662% | 1,645 |
| Return on Equity (ROE) | 14.6013% | 703 |
| Retained earnings to average equity (ytd only) | 14.6013% | 259 |
| Net charge-offs to loans | 0.0517% | 1,830 |
| Credit loss provision to net charge-offs | 96.8750% | 1,638 |
| Earnings coverage of net charge-offs (x) | 35.5938% | 1,120 |
| Efficiency ratio | 68.4924% | 3,122 |
| Assets per employee ($millions) | 3.8512% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,291 |
| Loan loss allowance to noncurrent loans | 375.8085% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 3,505 |
| Noncurrent loans to loans | 0.3123% | 4,004 |
| Net loans and leases to total assets | 79.4028% | 918 |
| Net loans and leases to deposits | 88.3947% | 1,745 |
| Net loans and leases to core deposits | 90.3673% | 2,322 |
| Total domestic deposits to total assets | 89.8275% | 735 |
| Equity capital to assets | 10.0333% | 3,713 |
| Core capital (leverage) ratio | 10.3073% | 3,098 |
| Tier 1 risk-based capital ratio | 12.6764% | 4,279 |
| Total risk-based capital ratio | 13.8643% | 4,225 |
| Memoranda: | ||
| Average total assets | $302,288,000 | 2,190 |
| Average earning assets | $286,654,500 | 2,151 |
| Average equity | $30,353,500 | 2,350 |
| Average total loans | $247,719,000 | 1,847 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 1,223 |
| Cost of funding earning assets | 0.2587% | 4,483 |
| Net interest margin | 4.3664% | 829 |
| Noninterest income to average assets | 0.7760% | 1,849 |
| Noninterest expense to average assets | 3.3243% | 1,526 |
| Loan and lease loss provision to assets | 0.0636% | 3,106 |
| Net operating income to assets | 1.5329% | 778 |
| Return on assets (ROA) | 1.5326% | 804 |
| Pretax return on assets | 1.5326% | 1,485 |
| Return on Equity (ROE) | 14.9411% | 634 |
| Retained earnings to average equity (ytd only) | 4.4939% | 2,709 |
| Net charge-offs to loans | 0.0344% | 3,342 |
| Credit loss provision to net charge-offs | 223.1707% | 1,285 |
| Earnings coverage of net charge-offs (x) | 56.0488% | 945 |
| Efficiency ratio | 67.5279% | 3,339 |
| Assets per employee ($millions) | 3.7060% | 4,461 |
| Cash dividends to net income (ytd only)* | 69.9229% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,296 |
| Loan loss allowance to noncurrent loans | 557.7735% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 3,783 |
| Noncurrent loans to loans | 0.2102% | 4,401 |
| Net loans and leases to total assets | 82.6330% | 522 |
| Net loans and leases to deposits | 92.1320% | 1,438 |
| Net loans and leases to core deposits | 94.1675% | 2,087 |
| Total domestic deposits to total assets | 89.6897% | 775 |
| Equity capital to assets | 10.0495% | 3,673 |
| Core capital (leverage) ratio | 10.1001% | 3,367 |
| Tier 1 risk-based capital ratio | 12.4333% | 4,421 |
| Total risk-based capital ratio | 13.6420% | 4,335 |
| Memoranda: | ||
| Average total assets | $287,878,000 | 2,234 |
| Average earning assets | $273,268,800 | 2,188 |
| Average equity | $29,529,200 | 2,393 |
| Average total loans | $238,454,400 | 1,851 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 1,223 |
| Cost of funding earning assets | 0.2608% | 4,500 |
| Net interest margin | 4.3769% | 810 |
| Noninterest income to average assets | 0.7704% | 1,880 |
| Noninterest expense to average assets | 3.2991% | 1,567 |
| Loan and lease loss provision to assets | 0.0635% | 2,974 |
| Net operating income to assets | 1.5581% | 788 |
| Return on assets (ROA) | 1.5576% | 828 |
| Pretax return on assets | 1.5576% | 1,510 |
| Return on Equity (ROE) | 15.1057% | 653 |
| Retained earnings to average equity (ytd only) | 4.4484% | 3,164 |
| Net charge-offs to loans | 0.0232% | 3,220 |
| Credit loss provision to net charge-offs | 331.7073% | 961 |
| Earnings coverage of net charge-offs (x) | 84.7489% | 742 |
| Efficiency ratio | 67.0081% | 3,422 |
| Assets per employee ($millions) | 3.8153% | 4,278 |
| Cash dividends to net income (ytd only)* | 70.5511% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 3,298 |
| Loan loss allowance to noncurrent loans | 1,407.7670% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 3,747 |
| Noncurrent loans to loans | 0.0845% | 5,008 |
| Net loans and leases to total assets | 81.9654% | 626 |
| Net loans and leases to deposits | 91.4879% | 1,566 |
| Net loans and leases to core deposits | 93.5421% | 2,226 |
| Total domestic deposits to total assets | 89.5915% | 631 |
| Equity capital to assets | 10.1610% | 3,965 |
| Core capital (leverage) ratio | 10.0798% | 3,463 |
| Tier 1 risk-based capital ratio | 12.4981% | 4,479 |
| Total risk-based capital ratio | 13.7247% | 4,389 |
| Memoranda: | ||
| Average total assets | $285,727,250 | 2,251 |
| Average earning assets | $270,931,000 | 2,210 |
| Average equity | $29,462,750 | 2,407 |
| Average total loans | $236,093,750 | 1,868 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 1,225 |
| Cost of funding earning assets | 0.2595% | 4,556 |
| Net interest margin | 4.3643% | 827 |
| Noninterest income to average assets | 0.7886% | 1,767 |
| Noninterest expense to average assets | 3.3345% | 1,523 |
| Loan and lease loss provision to assets | 0.0558% | 3,030 |
| Net operating income to assets | 1.5340% | 840 |
| Return on assets (ROA) | 1.5333% | 886 |
| Pretax return on assets | 1.5333% | 1,574 |
| Return on Equity (ROE) | 14.7955% | 699 |
| Retained earnings to average equity (ytd only) | 4.3977% | 3,115 |
| Net charge-offs to loans | 0.0248% | 2,987 |
| Credit loss provision to net charge-offs | 272.4138% | 1,039 |
| Earnings coverage of net charge-offs (x) | 77.5862% | 719 |
| Efficiency ratio | 67.6568% | 3,412 |
| Assets per employee ($millions) | 3.7351% | 4,384 |
| Cash dividends to net income (ytd only)* | 70.2765% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 3,418 |
| Loan loss allowance to noncurrent loans | 635.8575% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 3,336 |
| Noncurrent loans to loans | 0.1873% | 4,683 |
| Net loans and leases to total assets | 81.3088% | 709 |
| Net loans and leases to deposits | 90.6657% | 1,674 |
| Net loans and leases to core deposits | 92.6190% | 2,296 |
| Total domestic deposits to total assets | 89.6798% | 598 |
| Equity capital to assets | 10.1287% | 4,060 |
| Core capital (leverage) ratio | 10.1485% | 3,387 |
| Tier 1 risk-based capital ratio | 12.4912% | 4,532 |
| Total risk-based capital ratio | 13.7120% | 4,457 |
| Memoranda: | ||
| Average total assets | $283,043,000 | 2,282 |
| Average earning assets | $268,220,000 | 2,246 |
| Average equity | $29,333,330 | 2,416 |
| Average total loans | $233,559,000 | 1,887 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,109 |
| Cost of funding earning assets | 0.2605% | 4,606 |
| Net interest margin | 4.4081% | 728 |
| Noninterest income to average assets | 0.7702% | 1,732 |
| Noninterest expense to average assets | 3.3547% | 1,477 |
| Loan and lease loss provision to assets | 0.0287% | 3,279 |
| Net operating income to assets | 1.5619% | 767 |
| Return on assets (ROA) | 1.5619% | 799 |
| Pretax return on assets | 1.5619% | 1,399 |
| Return on Equity (ROE) | 14.8946% | 687 |
| Retained earnings to average equity (ytd only) | 14.7578% | 265 |
| Net charge-offs to loans | 0.0503% | 2,034 |
| Credit loss provision to net charge-offs | 68.9655% | 1,911 |
| Earnings coverage of net charge-offs (x) | 38.2414% | 1,034 |
| Efficiency ratio | 67.7204% | 3,511 |
| Assets per employee ($millions) | 4.0589% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.9183% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,443 |
| Loan loss allowance to noncurrent loans | 379.8913% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 3,024 |
| Noncurrent loans to loans | 0.3173% | 4,296 |
| Net loans and leases to total assets | 80.6434% | 723 |
| Net loans and leases to deposits | 90.2779% | 1,548 |
| Net loans and leases to core deposits | 92.2787% | 2,161 |
| Total domestic deposits to total assets | 89.3280% | 930 |
| Equity capital to assets | 10.5203% | 3,469 |
| Core capital (leverage) ratio | 10.6655% | 2,780 |
| Tier 1 risk-based capital ratio | 13.1790% | 4,152 |
| Total risk-based capital ratio | 14.4220% | 4,077 |
| Memoranda: | ||
| Average total assets | $278,894,000 | 2,321 |
| Average earning assets | $264,152,000 | 2,273 |
| Average equity | $29,245,500 | 2,420 |
| Average total loans | $230,468,000 | 1,912 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 913 |
| Cost of funding earning assets | 0.2599% | 4,688 |
| Net interest margin | 4.5483% | 606 |
| Noninterest income to average assets | 0.8316% | 1,668 |
| Noninterest expense to average assets | 3.5589% | 1,192 |
| Loan and lease loss provision to assets | 0.0423% | 3,490 |
| Net operating income to assets | 1.5683% | 754 |
| Return on assets (ROA) | 1.5683% | 777 |
| Pretax return on assets | 1.5683% | 1,348 |
| Return on Equity (ROE) | 14.4547% | 775 |
| Retained earnings to average equity (ytd only) | 4.3601% | 2,879 |
| Net charge-offs to loans | 0.1066% | 2,325 |
| Credit loss provision to net charge-offs | 47.6190% | 3,441 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 2,026 |
| Efficiency ratio | 68.5920% | 3,464 |
| Assets per employee ($millions) | 3.5529% | 4,717 |
| Cash dividends to net income (ytd only)* | 69.8358% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 3,322 |
| Loan loss allowance to noncurrent loans | 505.4054% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 3,321 |
| Noncurrent loans to loans | 0.2424% | 4,563 |
| Net loans and leases to total assets | 82.6531% | 527 |
| Net loans and leases to deposits | 92.5946% | 1,336 |
| Net loans and leases to core deposits | 94.6484% | 1,978 |
| Total domestic deposits to total assets | 89.2635% | 985 |
| Equity capital to assets | 10.4543% | 3,415 |
| Core capital (leverage) ratio | 10.6976% | 2,710 |
| Tier 1 risk-based capital ratio | 12.8806% | 4,403 |
| Total risk-based capital ratio | 14.1306% | 4,295 |
| Memoranda: | ||
| Average total assets | $260,220,600 | 2,420 |
| Average earning assets | $248,178,800 | 2,355 |
| Average equity | $28,233,000 | 2,439 |
| Average total loans | $216,764,600 | 1,945 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 884 |
| Cost of funding earning assets | 0.2635% | 4,739 |
| Net interest margin | 4.5664% | 576 |
| Noninterest income to average assets | 0.8393% | 1,656 |
| Noninterest expense to average assets | 3.5730% | 1,164 |
| Loan and lease loss provision to assets | 0.0285% | 3,669 |
| Net operating income to assets | 1.6007% | 767 |
| Return on assets (ROA) | 1.6007% | 799 |
| Pretax return on assets | 1.6007% | 1,379 |
| Return on Equity (ROE) | 14.6116% | 791 |
| Retained earnings to average equity (ytd only) | 4.3778% | 3,359 |
| Net charge-offs to loans | 0.0886% | 2,279 |
| Credit loss provision to net charge-offs | 38.7324% | 3,175 |
| Earnings coverage of net charge-offs (x) | 22.1055% | 1,797 |
| Efficiency ratio | 68.4226% | 3,464 |
| Assets per employee ($millions) | 3.4007% | 4,979 |
| Cash dividends to net income (ytd only)* | 70.0389% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 3,089 |
| Loan loss allowance to noncurrent loans | 471.5947% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 3,079 |
| Noncurrent loans to loans | 0.2757% | 4,592 |
| Net loans and leases to total assets | 83.3803% | 434 |
| Net loans and leases to deposits | 94.4313% | 1,149 |
| Net loans and leases to core deposits | 95.8557% | 1,902 |
| Total domestic deposits to total assets | 88.2972% | 1,397 |
| Equity capital to assets | 11.0144% | 3,012 |
| Core capital (leverage) ratio | 10.9001% | 2,590 |
| Tier 1 risk-based capital ratio | 13.5035% | 4,138 |
| Total risk-based capital ratio | 14.7548% | 4,067 |
| Memoranda: | ||
| Average total assets | $256,883,000 | 2,465 |
| Average earning assets | $245,438,000 | 2,399 |
| Average equity | $28,141,250 | 2,462 |
| Average total loans | $213,725,750 | 1,974 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 884 |
| Cost of funding earning assets | 0.2661% | 4,761 |
| Net interest margin | 4.5397% | 588 |
| Noninterest income to average assets | 0.8582% | 1,578 |
| Noninterest expense to average assets | 3.5505% | 1,213 |
| Loan and lease loss provision to assets | 0.0413% | 3,285 |
| Net operating income to assets | 1.6056% | 736 |
| Return on assets (ROA) | 1.6056% | 761 |
| Pretax return on assets | 1.6056% | 1,311 |
| Return on Equity (ROE) | 14.6829% | 788 |
| Retained earnings to average equity (ytd only) | 4.3378% | 3,260 |
| Net charge-offs to loans | 0.1235% | 1,777 |
| Credit loss provision to net charge-offs | 40.4580% | 2,807 |
| Earnings coverage of net charge-offs (x) | 16.1145% | 1,928 |
| Efficiency ratio | 68.0576% | 3,661 |
| Assets per employee ($millions) | 3.3376% | 5,096 |
| Cash dividends to net income (ytd only)* | 70.4568% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,636.7816% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 3,364 |
| Noncurrent loans to loans | 0.0814% | 5,411 |
| Net loans and leases to total assets | 82.0368% | 551 |
| Net loans and leases to deposits | 92.6282% | 1,301 |
| Net loans and leases to core deposits | 94.1588% | 1,946 |
| Total domestic deposits to total assets | 88.5656% | 1,384 |
| Equity capital to assets | 10.9149% | 2,976 |
| Core capital (leverage) ratio | 10.8793% | 2,535 |
| Tier 1 risk-based capital ratio | 13.6692% | 4,116 |
| Total risk-based capital ratio | 14.9209% | 4,053 |
| Memoranda: | ||
| Average total assets | $256,360,000 | 2,488 |
| Average earning assets | $245,036,330 | 2,419 |
| Average equity | $28,032,670 | 2,482 |
| Average total loans | $212,188,670 | 1,995 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 974 |
| Cost of funding earning assets | 0.2724% | 4,758 |
| Net interest margin | 4.4619% | 649 |
| Noninterest income to average assets | 0.9264% | 1,314 |
| Noninterest expense to average assets | 3.4994% | 1,313 |
| Loan and lease loss provision to assets | 0.0828% | 2,320 |
| Net operating income to assets | 1.6169% | 698 |
| Return on assets (ROA) | 1.6169% | 730 |
| Pretax return on assets | 1.6169% | 1,230 |
| Return on Equity (ROE) | 14.7733% | 743 |
| Retained earnings to average equity (ytd only) | 14.7733% | 306 |
| Net charge-offs to loans | 0.0965% | 1,755 |
| Credit loss provision to net charge-offs | 103.9216% | 1,570 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,381 |
| Efficiency ratio | 67.0373% | 3,984 |
| Assets per employee ($millions) | 3.5354% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 3,007 |
| Loan loss allowance to noncurrent loans | 207.8070% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 3,012 |
| Noncurrent loans to loans | 0.6652% | 3,620 |
| Net loans and leases to total assets | 80.9433% | 579 |
| Net loans and leases to deposits | 91.2394% | 1,263 |
| Net loans and leases to core deposits | 92.5877% | 1,898 |
| Total domestic deposits to total assets | 88.7152% | 1,445 |
| Equity capital to assets | 11.1000% | 2,861 |
| Core capital (leverage) ratio | 11.0776% | 2,340 |
| Tier 1 risk-based capital ratio | 14.0242% | 3,992 |
| Total risk-based capital ratio | 15.2763% | 3,914 |
| Memoranda: | ||
| Average total assets | $256,041,500 | 2,501 |
| Average earning assets | $245,189,500 | 2,422 |
| Average equity | $28,023,500 | 2,503 |
| Average total loans | $211,443,000 | 2,004 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 810 |
| Cost of funding earning assets | 0.3096% | 4,690 |
| Net interest margin | 4.6669% | 552 |
| Noninterest income to average assets | 0.8730% | 1,595 |
| Noninterest expense to average assets | 3.6998% | 1,150 |
| Loan and lease loss provision to assets | 0.1052% | 2,396 |
| Net operating income to assets | 1.5188% | 842 |
| Return on assets (ROA) | 1.5188% | 875 |
| Pretax return on assets | 1.5188% | 1,478 |
| Return on Equity (ROE) | 13.8418% | 959 |
| Retained earnings to average equity (ytd only) | 2.3656% | 4,546 |
| Net charge-offs to loans | 0.2375% | 1,779 |
| Credit loss provision to net charge-offs | 53.8462% | 3,405 |
| Earnings coverage of net charge-offs (x) | 8.3119% | 2,901 |
| Efficiency ratio | 69.2355% | 3,668 |
| Assets per employee ($millions) | 3.3867% | 5,091 |
| Cash dividends to net income (ytd only)* | 82.9099% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 3,013 |
| Loan loss allowance to noncurrent loans | 204.3296% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,728 |
| Noncurrent loans to loans | 0.6785% | 3,644 |
| Net loans and leases to total assets | 81.9414% | 528 |
| Net loans and leases to deposits | 92.0010% | 1,288 |
| Net loans and leases to core deposits | 93.3754% | 1,961 |
| Total domestic deposits to total assets | 89.0658% | 1,206 |
| Equity capital to assets | 10.7874% | 3,137 |
| Core capital (leverage) ratio | 10.7730% | 2,647 |
| Tier 1 risk-based capital ratio | 13.3049% | 4,540 |
| Total risk-based capital ratio | 14.5567% | 4,465 |
| Memoranda: | ||
| Average total assets | $246,173,400 | 2,559 |
| Average earning assets | $234,783,000 | 2,468 |
| Average equity | $27,012,400 | 2,490 |
| Average total loans | $202,500,200 | 2,017 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 754 |
| Cost of funding earning assets | 0.3151% | 4,728 |
| Net interest margin | 4.6959% | 508 |
| Noninterest income to average assets | 0.8997% | 1,525 |
| Noninterest expense to average assets | 3.7032% | 1,115 |
| Loan and lease loss provision to assets | 0.0977% | 2,409 |
| Net operating income to assets | 1.5734% | 807 |
| Return on assets (ROA) | 1.5734% | 832 |
| Pretax return on assets | 1.5734% | 1,414 |
| Return on Equity (ROE) | 14.2764% | 935 |
| Retained earnings to average equity (ytd only) | 2.1400% | 4,987 |
| Net charge-offs to loans | 0.1597% | 2,206 |
| Credit loss provision to net charge-offs | 74.5833% | 2,686 |
| Earnings coverage of net charge-offs (x) | 12.7542% | 2,290 |
| Efficiency ratio | 68.6408% | 3,741 |
| Assets per employee ($millions) | 3.3822% | 5,072 |
| Cash dividends to net income (ytd only)* | 85.0106% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,657 |
| Loan loss allowance to noncurrent loans | 196.2492% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 2,715 |
| Noncurrent loans to loans | 0.7695% | 3,662 |
| Net loans and leases to total assets | 81.5410% | 555 |
| Net loans and leases to deposits | 91.9125% | 1,238 |
| Net loans and leases to core deposits | 93.6148% | 1,906 |
| Total domestic deposits to total assets | 88.7159% | 1,392 |
| Equity capital to assets | 10.9460% | 3,007 |
| Core capital (leverage) ratio | 11.0556% | 2,433 |
| Tier 1 risk-based capital ratio | 13.5800% | 4,483 |
| Total risk-based capital ratio | 14.8337% | 4,428 |
| Memoranda: | ||
| Average total assets | $244,216,500 | 2,593 |
| Average earning assets | $232,707,000 | 2,509 |
| Average equity | $26,915,500 | 2,499 |
| Average total loans | $200,360,750 | 2,048 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 716 |
| Cost of funding earning assets | 0.3228% | 4,728 |
| Net interest margin | 4.7026% | 482 |
| Noninterest income to average assets | 0.8376% | 1,711 |
| Noninterest expense to average assets | 3.7079% | 1,125 |
| Loan and lease loss provision to assets | 0.0230% | 3,815 |
| Net operating income to assets | 1.5847% | 729 |
| Return on assets (ROA) | 1.5847% | 763 |
| Pretax return on assets | 1.5847% | 1,292 |
| Return on Equity (ROE) | 14.3459% | 896 |
| Retained earnings to average equity (ytd only) | 2.4406% | 4,657 |
| Net charge-offs to loans | 0.1909% | 1,881 |
| Credit loss provision to net charge-offs | 14.7368% | 3,258 |
| Earnings coverage of net charge-offs (x) | 10.2947% | 2,265 |
| Efficiency ratio | 69.4913% | 3,740 |
| Assets per employee ($millions) | 3.3226% | 5,219 |
| Cash dividends to net income (ytd only)* | 82.9876% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 3,004 |
| Loan loss allowance to noncurrent loans | 245.1560% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 3,039 |
| Noncurrent loans to loans | 0.6021% | 4,220 |
| Net loans and leases to total assets | 81.0609% | 564 |
| Net loans and leases to deposits | 91.3234% | 1,236 |
| Net loans and leases to core deposits | 93.0267% | 1,863 |
| Total domestic deposits to total assets | 88.7624% | 1,498 |
| Equity capital to assets | 10.9793% | 2,898 |
| Core capital (leverage) ratio | 11.0268% | 2,400 |
| Tier 1 risk-based capital ratio | 13.5316% | 4,559 |
| Total risk-based capital ratio | 14.7846% | 4,501 |
| Memoranda: | ||
| Average total assets | $243,320,670 | 2,606 |
| Average earning assets | $231,701,000 | 2,530 |
| Average equity | $26,878,670 | 2,488 |
| Average total loans | $199,009,330 | 2,055 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 651 |
| Cost of funding earning assets | 0.3321% | 4,719 |
| Net interest margin | 4.7201% | 449 |
| Noninterest income to average assets | 0.7949% | 1,772 |
| Noninterest expense to average assets | 3.6753% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6063% | 661 |
| Return on assets (ROA) | 1.6063% | 690 |
| Pretax return on assets | 1.6063% | 1,156 |
| Return on Equity (ROE) | 14.4964% | 860 |
| Retained earnings to average equity (ytd only) | 10.7679% | 791 |
| Net charge-offs to loans | 0.0973% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,340 |
| Efficiency ratio | 69.3054% | 3,947 |
| Assets per employee ($millions) | 3.3675% | 5,218 |
| Cash dividends to net income (ytd only)* | 25.7202% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 2,926 |
| Loan loss allowance to noncurrent loans | 349.0991% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 2,836 |
| Noncurrent loans to loans | 0.4440% | 4,814 |
| Net loans and leases to total assets | 80.0926% | 542 |
| Net loans and leases to deposits | 90.2792% | 1,115 |
| Net loans and leases to core deposits | 91.9630% | 1,734 |
| Total domestic deposits to total assets | 88.7165% | 1,823 |
| Equity capital to assets | 11.0728% | 2,661 |
| Core capital (leverage) ratio | 11.3491% | 2,096 |
| Tier 1 risk-based capital ratio | 14.0734% | 4,280 |
| Total risk-based capital ratio | 15.3274% | 4,221 |
| Memoranda: | ||
| Average total assets | $242,045,000 | 2,623 |
| Average earning assets | $230,077,500 | 2,555 |
| Average equity | $26,820,500 | 2,482 |
| Average total loans | $197,368,000 | 2,076 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 552 |
| Cost of funding earning assets | 0.3954% | 4,698 |
| Net interest margin | 4.8870% | 373 |
| Noninterest income to average assets | 0.8201% | 1,983 |
| Noninterest expense to average assets | 3.7468% | 1,222 |
| Loan and lease loss provision to assets | 0.1447% | 2,494 |
| Net operating income to assets | 1.5694% | 731 |
| Return on assets (ROA) | 1.5703% | 756 |
| Pretax return on assets | 1.5703% | 1,248 |
| Return on Equity (ROE) | 14.3481% | 878 |
| Retained earnings to average equity (ytd only) | 3.2384% | 3,927 |
| Net charge-offs to loans | 0.1868% | 2,969 |
| Credit loss provision to net charge-offs | 96.9529% | 2,575 |
| Earnings coverage of net charge-offs (x) | 11.4820% | 2,237 |
| Efficiency ratio | 68.3529% | 4,135 |
| Assets per employee ($millions) | 3.2198% | 5,447 |
| Cash dividends to net income (ytd only)* | 77.4295% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 2,696 |
| Loan loss allowance to noncurrent loans | 261.0282% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 2,809 |
| Noncurrent loans to loans | 0.6193% | 4,431 |
| Net loans and leases to total assets | 80.4148% | 553 |
| Net loans and leases to deposits | 90.7398% | 1,181 |
| Net loans and leases to core deposits | 92.4861% | 1,736 |
| Total domestic deposits to total assets | 88.6213% | 1,846 |
| Equity capital to assets | 11.0891% | 2,533 |
| Core capital (leverage) ratio | 11.0090% | 2,376 |
| Tier 1 risk-based capital ratio | 13.9993% | 4,300 |
| Total risk-based capital ratio | 15.2541% | 4,232 |
| Memoranda: | ||
| Average total assets | $241,804,600 | 2,604 |
| Average earning assets | $229,627,600 | 2,516 |
| Average equity | $26,463,400 | 2,507 |
| Average total loans | $193,212,400 | 2,063 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 594 |
| Cost of funding earning assets | 0.4043% | 4,788 |
| Net interest margin | 4.8410% | 398 |
| Noninterest income to average assets | 0.8647% | 1,877 |
| Noninterest expense to average assets | 3.7314% | 1,201 |
| Loan and lease loss provision to assets | 0.1544% | 2,336 |
| Net operating income to assets | 1.5767% | 784 |
| Return on assets (ROA) | 1.5778% | 830 |
| Pretax return on assets | 1.5778% | 1,393 |
| Return on Equity (ROE) | 14.4642% | 895 |
| Retained earnings to average equity (ytd only) | 3.5606% | 4,167 |
| Net charge-offs to loans | 0.1646% | 2,913 |
| Credit loss provision to net charge-offs | 118.0672% | 1,989 |
| Earnings coverage of net charge-offs (x) | 13.2393% | 2,047 |
| Efficiency ratio | 68.0479% | 4,095 |
| Assets per employee ($millions) | 3.1736% | 5,555 |
| Cash dividends to net income (ytd only)* | 75.3828% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 2,914 |
| Loan loss allowance to noncurrent loans | 309.6712% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 3,050 |
| Noncurrent loans to loans | 0.5230% | 4,888 |
| Net loans and leases to total assets | 80.6424% | 485 |
| Net loans and leases to deposits | 90.9315% | 1,073 |
| Net loans and leases to core deposits | 92.6784% | 1,704 |
| Total domestic deposits to total assets | 88.6848% | 1,731 |
| Equity capital to assets | 10.9525% | 2,805 |
| Core capital (leverage) ratio | 10.9866% | 2,498 |
| Tier 1 risk-based capital ratio | 13.8541% | 4,529 |
| Total risk-based capital ratio | 15.1096% | 4,482 |
| Memoranda: | ||
| Average total assets | $242,690,250 | 2,613 |
| Average earning assets | $230,497,250 | 2,528 |
| Average equity | $26,474,000 | 2,532 |
| Average total loans | $192,829,000 | 2,070 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 612 |
| Cost of funding earning assets | 0.4133% | 4,823 |
| Net interest margin | 4.8075% | 428 |
| Noninterest income to average assets | 0.8389% | 2,032 |
| Noninterest expense to average assets | 3.6885% | 1,266 |
| Loan and lease loss provision to assets | 0.1760% | 2,155 |
| Net operating income to assets | 1.5379% | 835 |
| Return on assets (ROA) | 1.5379% | 902 |
| Pretax return on assets | 1.5379% | 1,515 |
| Return on Equity (ROE) | 14.1169% | 984 |
| Retained earnings to average equity (ytd only) | 3.6236% | 4,007 |
| Net charge-offs to loans | 0.1151% | 3,212 |
| Credit loss provision to net charge-offs | 194.5455% | 1,218 |
| Earnings coverage of net charge-offs (x) | 18.9455% | 1,531 |
| Efficiency ratio | 68.0164% | 4,183 |
| Assets per employee ($millions) | 3.2259% | 5,420 |
| Cash dividends to net income (ytd only)* | 74.3316% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 2,870 |
| Loan loss allowance to noncurrent loans | 308.9962% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 3,110 |
| Noncurrent loans to loans | 0.5427% | 4,899 |
| Net loans and leases to total assets | 79.0820% | 629 |
| Net loans and leases to deposits | 89.5254% | 1,189 |
| Net loans and leases to core deposits | 91.3667% | 1,775 |
| Total domestic deposits to total assets | 88.3347% | 2,019 |
| Equity capital to assets | 10.8217% | 2,923 |
| Core capital (leverage) ratio | 10.8182% | 2,538 |
| Tier 1 risk-based capital ratio | 13.7922% | 4,572 |
| Total risk-based capital ratio | 15.0481% | 4,533 |
| Memoranda: | ||
| Average total assets | $243,188,000 | 2,625 |
| Average earning assets | $230,847,670 | 2,528 |
| Average equity | $26,493,000 | 2,538 |
| Average total loans | $191,202,330 | 2,090 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 631 |
| Cost of funding earning assets | 0.4289% | 4,818 |
| Net interest margin | 4.7472% | 441 |
| Noninterest income to average assets | 0.8318% | 1,994 |
| Noninterest expense to average assets | 3.6339% | 1,360 |
| Loan and lease loss provision to assets | 0.1936% | 1,912 |
| Net operating income to assets | 1.5077% | 845 |
| Return on assets (ROA) | 1.5077% | 921 |
| Pretax return on assets | 1.5077% | 1,535 |
| Return on Equity (ROE) | 13.7944% | 1,003 |
| Retained earnings to average equity (ytd only) | 11.6930% | 751 |
| Net charge-offs to loans | 0.1604% | 2,443 |
| Credit loss provision to net charge-offs | 155.2632% | 1,331 |
| Earnings coverage of net charge-offs (x) | 13.6447% | 1,515 |
| Efficiency ratio | 67.8352% | 4,336 |
| Assets per employee ($millions) | 3.4502% | 5,088 |
| Cash dividends to net income (ytd only)* | 15.2339% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 3,052 |
| Loan loss allowance to noncurrent loans | 358.7444% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 3,447 |
| Noncurrent loans to loans | 0.4710% | 5,248 |
| Net loans and leases to total assets | 76.0133% | 839 |
| Net loans and leases to deposits | 85.6578% | 1,388 |
| Net loans and leases to core deposits | 87.5035% | 1,956 |
| Total domestic deposits to total assets | 88.7407% | 1,842 |
| Equity capital to assets | 11.0340% | 2,923 |
| Core capital (leverage) ratio | 10.9566% | 2,297 |
| Tier 1 risk-based capital ratio | 14.2309% | 4,337 |
| Total risk-based capital ratio | 15.4868% | 4,303 |
| Memoranda: | ||
| Average total assets | $243,812,000 | 2,647 |
| Average earning assets | $231,296,000 | 2,563 |
| Average equity | $26,648,500 | 2,552 |
| Average total loans | $189,506,500 | 2,120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 879 |
| Cost of funding earning assets | 0.5850% | 4,488 |
| Net interest margin | 4.7430% | 605 |
| Noninterest income to average assets | 0.9445% | 1,726 |
| Noninterest expense to average assets | 3.6817% | 1,451 |
| Loan and lease loss provision to assets | 0.3609% | 1,840 |
| Net operating income to assets | 1.4087% | 1,084 |
| Return on assets (ROA) | 1.4462% | 1,131 |
| Pretax return on assets | 1.4462% | 1,871 |
| Return on Equity (ROE) | 13.6538% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.9535% | 2,101 |
| Net charge-offs to loans | 0.5130% | 2,191 |
| Credit loss provision to net charge-offs | 92.5847% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.5392% | 3,334 |
| Efficiency ratio | 67.2803% | 4,271 |
| Assets per employee ($millions) | 3.2792% | 5,457 |
| Cash dividends to net income (ytd only)* | 56.3963% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 3,059 |
| Loan loss allowance to noncurrent loans | 162.5836% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 3,300 |
| Noncurrent loans to loans | 1.0247% | 4,155 |
| Net loans and leases to total assets | 76.8354% | 813 |
| Net loans and leases to deposits | 86.3347% | 1,476 |
| Net loans and leases to core deposits | 88.5639% | 2,025 |
| Total domestic deposits to total assets | 88.9971% | 1,565 |
| Equity capital to assets | 10.8249% | 3,147 |
| Core capital (leverage) ratio | 10.4738% | 2,797 |
| Tier 1 risk-based capital ratio | 13.7219% | 4,587 |
| Total risk-based capital ratio | 14.9773% | 4,534 |
| Memoranda: | ||
| Average total assets | $242,145,400 | 2,612 |
| Average earning assets | $230,088,600 | 2,510 |
| Average equity | $25,648,600 | 2,601 |
| Average total loans | $184,004,400 | 2,153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 977 |
| Cost of funding earning assets | 0.6092% | 4,543 |
| Net interest margin | 4.7080% | 664 |
| Noninterest income to average assets | 0.9228% | 1,757 |
| Noninterest expense to average assets | 3.6586% | 1,436 |
| Loan and lease loss provision to assets | 0.2997% | 2,201 |
| Net operating income to assets | 1.4390% | 1,146 |
| Return on assets (ROA) | 1.4390% | 1,267 |
| Pretax return on assets | 1.4390% | 2,119 |
| Return on Equity (ROE) | 13.6605% | 1,182 |
| Retained earnings to average equity (ytd only) | 5.9987% | 2,698 |
| Net charge-offs to loans | 0.3870% | 2,546 |
| Credit loss provision to net charge-offs | 102.6415% | 2,865 |
| Earnings coverage of net charge-offs (x) | 5.9547% | 2,885 |
| Efficiency ratio | 67.5207% | 4,172 |
| Assets per employee ($millions) | 3.3314% | 5,360 |
| Cash dividends to net income (ytd only)* | 56.0872% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 2,968 |
| Loan loss allowance to noncurrent loans | 156.2139% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 3,438 |
| Noncurrent loans to loans | 1.1201% | 4,185 |
| Net loans and leases to total assets | 73.8650% | 1,263 |
| Net loans and leases to deposits | 83.7253% | 1,897 |
| Net loans and leases to core deposits | 85.9803% | 2,467 |
| Total domestic deposits to total assets | 88.2231% | 1,894 |
| Equity capital to assets | 10.5852% | 3,750 |
| Core capital (leverage) ratio | 10.2403% | 3,241 |
| Tier 1 risk-based capital ratio | 13.7447% | 4,727 |
| Total risk-based capital ratio | 15.0009% | 4,674 |
| Memoranda: | ||
| Average total assets | $242,016,000 | 2,632 |
| Average earning assets | $230,012,750 | 2,525 |
| Average equity | $25,493,750 | 2,639 |
| Average total loans | $182,603,000 | 2,194 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 963 |
| Cost of funding earning assets | 0.6334% | 4,595 |
| Net interest margin | 4.7153% | 653 |
| Noninterest income to average assets | 0.8931% | 1,811 |
| Noninterest expense to average assets | 3.6971% | 1,378 |
| Loan and lease loss provision to assets | 0.2345% | 2,724 |
| Net operating income to assets | 1.4436% | 1,101 |
| Return on assets (ROA) | 1.4436% | 1,235 |
| Pretax return on assets | 1.4436% | 2,036 |
| Return on Equity (ROE) | 13.7269% | 1,183 |
| Retained earnings to average equity (ytd only) | 5.8988% | 2,761 |
| Net charge-offs to loans | 0.2576% | 3,035 |
| Credit loss provision to net charge-offs | 120.5128% | 2,281 |
| Earnings coverage of net charge-offs (x) | 8.6239% | 2,266 |
| Efficiency ratio | 68.5179% | 4,037 |
| Assets per employee ($millions) | 3.2673% | 5,524 |
| Cash dividends to net income (ytd only)* | 57.0276% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 2,954 |
| Loan loss allowance to noncurrent loans | 144.2147% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 3,941 |
| Noncurrent loans to loans | 1.2277% | 4,090 |
| Net loans and leases to total assets | 72.2866% | 1,517 |
| Net loans and leases to deposits | 81.4504% | 2,176 |
| Net loans and leases to core deposits | 83.7223% | 2,729 |
| Total domestic deposits to total assets | 88.7492% | 1,672 |
| Equity capital to assets | 10.1557% | 4,113 |
| Core capital (leverage) ratio | 10.0736% | 3,318 |
| Tier 1 risk-based capital ratio | 13.4702% | 4,855 |
| Total risk-based capital ratio | 14.7265% | 4,804 |
| Memoranda: | ||
| Average total assets | $240,513,330 | 2,651 |
| Average earning assets | $228,615,670 | 2,535 |
| Average equity | $25,293,330 | 2,634 |
| Average total loans | $181,691,330 | 2,199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 892 |
| Cost of funding earning assets | 0.6781% | 4,483 |
| Net interest margin | 4.7343% | 648 |
| Noninterest income to average assets | 0.9516% | 1,564 |
| Noninterest expense to average assets | 3.6259% | 1,507 |
| Loan and lease loss provision to assets | 0.2860% | 2,176 |
| Net operating income to assets | 1.5321% | 971 |
| Return on assets (ROA) | 1.5321% | 1,091 |
| Pretax return on assets | 1.5321% | 1,792 |
| Return on Equity (ROE) | 14.3056% | 1,123 |
| Retained earnings to average equity (ytd only) | 14.3056% | 531 |
| Net charge-offs to loans | 0.2312% | 2,770 |
| Credit loss provision to net charge-offs | 161.5385% | 1,574 |
| Earnings coverage of net charge-offs (x) | 10.2692% | 1,770 |
| Efficiency ratio | 66.3227% | 4,498 |
| Assets per employee ($millions) | 3.1193% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,920 |
| Loan loss allowance to noncurrent loans | 166.5655% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 4,047 |
| Noncurrent loans to loans | 1.0942% | 4,504 |
| Net loans and leases to total assets | 72.9084% | 1,243 |
| Net loans and leases to deposits | 82.4945% | 1,865 |
| Net loans and leases to core deposits | 84.8737% | 2,424 |
| Total domestic deposits to total assets | 88.3797% | 2,083 |
| Equity capital to assets | 10.5352% | 3,449 |
| Core capital (leverage) ratio | 10.9117% | 2,334 |
| Tier 1 risk-based capital ratio | 14.1082% | 4,390 |
| Total risk-based capital ratio | 15.3656% | 4,355 |
| Memoranda: | ||
| Average total assets | $234,979,000 | 2,718 |
| Average earning assets | $222,969,500 | 2,621 |
| Average equity | $25,165,000 | 2,644 |
| Average total loans | $179,968,000 | 2,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9341% | 484 |
| Cost of funding earning assets | 0.7893% | 4,943 |
| Net interest margin | 5.1448% | 315 |
| Noninterest income to average assets | 0.9343% | 1,553 |
| Noninterest expense to average assets | 3.8106% | 1,330 |
| Loan and lease loss provision to assets | 0.4812% | 2,198 |
| Net operating income to assets | 1.4935% | 835 |
| Return on assets (ROA) | 1.4935% | 908 |
| Pretax return on assets | 1.4935% | 1,492 |
| Return on Equity (ROE) | 13.7113% | 1,014 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,727 |
| Net charge-offs to loans | 0.5666% | 2,754 |
| Credit loss provision to net charge-offs | 106.6534% | 3,181 |
| Earnings coverage of net charge-offs (x) | 4.3764% | 3,135 |
| Efficiency ratio | 65.6030% | 4,846 |
| Assets per employee ($millions) | 2.8331% | 6,402 |
| Cash dividends to net income (ytd only)* | 74.4074% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,867 |
| Loan loss allowance to noncurrent loans | 429.9601% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 4,866 |
| Noncurrent loans to loans | 0.4190% | 5,873 |
| Net loans and leases to total assets | 77.6625% | 748 |
| Net loans and leases to deposits | 88.2170% | 1,352 |
| Net loans and leases to core deposits | 90.6531% | 2,026 |
| Total domestic deposits to total assets | 88.0357% | 2,131 |
| Equity capital to assets | 10.8965% | 3,079 |
| Core capital (leverage) ratio | 10.7389% | 2,488 |
| Tier 1 risk-based capital ratio | 13.6422% | 4,598 |
| Total risk-based capital ratio | 14.8993% | 4,551 |
| Memoranda: | ||
| Average total assets | $223,169,000 | 2,806 |
| Average earning assets | $210,427,200 | 2,725 |
| Average equity | $24,308,400 | 2,638 |
| Average total loans | $177,728,400 | 2,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9647% | 490 |
| Cost of funding earning assets | 0.8011% | 5,140 |
| Net interest margin | 5.1637% | 306 |
| Noninterest income to average assets | 0.9333% | 1,538 |
| Noninterest expense to average assets | 3.8182% | 1,282 |
| Loan and lease loss provision to assets | 0.5080% | 1,952 |
| Net operating income to assets | 1.4707% | 1,006 |
| Return on assets (ROA) | 1.4707% | 1,087 |
| Pretax return on assets | 1.4707% | 1,732 |
| Return on Equity (ROE) | 13.5030% | 1,157 |
| Retained earnings to average equity (ytd only) | 3.4253% | 4,296 |
| Net charge-offs to loans | 0.5503% | 2,588 |
| Credit loss provision to net charge-offs | 115.7104% | 2,827 |
| Earnings coverage of net charge-offs (x) | 4.5068% | 3,046 |
| Efficiency ratio | 65.5975% | 4,790 |
| Assets per employee ($millions) | 2.6617% | 6,706 |
| Cash dividends to net income (ytd only)* | 74.6330% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 2,854 |
| Loan loss allowance to noncurrent loans | 346.7725% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 4,794 |
| Noncurrent loans to loans | 0.5257% | 5,804 |
| Net loans and leases to total assets | 78.9279% | 615 |
| Net loans and leases to deposits | 89.8538% | 1,232 |
| Net loans and leases to core deposits | 92.3709% | 1,955 |
| Total domestic deposits to total assets | 87.8404% | 2,137 |
| Equity capital to assets | 10.9408% | 3,197 |
| Core capital (leverage) ratio | 10.7150% | 2,649 |
| Tier 1 risk-based capital ratio | 13.5256% | 4,712 |
| Total risk-based capital ratio | 14.7828% | 4,678 |
| Memoranda: | ||
| Average total assets | $222,298,750 | 2,820 |
| Average earning assets | $209,381,250 | 2,743 |
| Average equity | $24,211,250 | 2,654 |
| Average total loans | $177,347,750 | 2,298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9616% | 513 |
| Cost of funding earning assets | 0.8116% | 5,293 |
| Net interest margin | 5.1501% | 307 |
| Noninterest income to average assets | 0.8861% | 1,690 |
| Noninterest expense to average assets | 3.8401% | 1,294 |
| Loan and lease loss provision to assets | 0.4309% | 2,270 |
| Net operating income to assets | 1.4603% | 958 |
| Return on assets (ROA) | 1.4603% | 1,020 |
| Pretax return on assets | 1.4603% | 1,639 |
| Return on Equity (ROE) | 13.4286% | 1,108 |
| Retained earnings to average equity (ytd only) | 4.4762% | 3,345 |
| Net charge-offs to loans | 0.7194% | 2,074 |
| Credit loss provision to net charge-offs | 75.2756% | 3,907 |
| Earnings coverage of net charge-offs (x) | 3.3039% | 3,220 |
| Efficiency ratio | 66.7348% | 4,739 |
| Assets per employee ($millions) | 2.7715% | 6,512 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 3,360 |
| Loan loss allowance to noncurrent loans | 476.9841% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 5,025 |
| Noncurrent loans to loans | 0.3545% | 6,209 |
| Net loans and leases to total assets | 78.7920% | 671 |
| Net loans and leases to deposits | 89.8279% | 1,296 |
| Net loans and leases to core deposits | 92.0520% | 2,122 |
| Total domestic deposits to total assets | 87.7144% | 2,332 |
| Equity capital to assets | 10.9853% | 2,973 |
| Core capital (leverage) ratio | 10.7495% | 2,470 |
| Tier 1 risk-based capital ratio | 13.6315% | 4,430 |
| Total risk-based capital ratio | 14.8872% | 4,406 |
| Memoranda: | ||
| Average total assets | $221,870,000 | 2,840 |
| Average earning assets | $208,735,000 | 2,775 |
| Average equity | $24,127,670 | 2,646 |
| Average total loans | $176,547,670 | 2,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 551 |
| Cost of funding earning assets | 0.8280% | 5,407 |
| Net interest margin | 5.1063% | 302 |
| Noninterest income to average assets | 0.8777% | 1,736 |
| Noninterest expense to average assets | 3.7343% | 1,471 |
| Loan and lease loss provision to assets | 0.4866% | 1,808 |
| Net operating income to assets | 1.4580% | 970 |
| Return on assets (ROA) | 1.4580% | 1,006 |
| Pretax return on assets | 1.4580% | 1,571 |
| Return on Equity (ROE) | 13.4760% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.0596% | 579 |
| Net charge-offs to loans | 1.0275% | 1,327 |
| Credit loss provision to net charge-offs | 59.7345% | 3,552 |
| Earnings coverage of net charge-offs (x) | 2.3872% | 3,126 |
| Efficiency ratio | 65.4713% | 5,128 |
| Assets per employee ($millions) | 2.8115% | 6,514 |
| Cash dividends to net income (ytd only)* | 3.0902% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 3,386 |
| Loan loss allowance to noncurrent loans | 264.8889% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 4,052 |
| Noncurrent loans to loans | 0.6368% | 5,762 |
| Net loans and leases to total assets | 78.2039% | 704 |
| Net loans and leases to deposits | 89.0120% | 1,348 |
| Net loans and leases to core deposits | 91.0801% | 2,230 |
| Total domestic deposits to total assets | 87.8578% | 2,456 |
| Equity capital to assets | 10.9829% | 2,706 |
| Core capital (leverage) ratio | 10.8660% | 2,300 |
| Tier 1 risk-based capital ratio | 13.7290% | 4,255 |
| Total risk-based capital ratio | 14.9848% | 4,222 |
| Memoranda: | ||
| Average total assets | $221,943,500 | 2,861 |
| Average earning assets | $208,684,500 | 2,805 |
| Average equity | $24,013,000 | 2,639 |
| Average total loans | $175,969,000 | 2,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3310% | 436 |
| Cost of funding earning assets | 1.0625% | 5,351 |
| Net interest margin | 5.2684% | 252 |
| Noninterest income to average assets | 1.0969% | 1,237 |
| Noninterest expense to average assets | 4.1563% | 955 |
| Loan and lease loss provision to assets | 0.3270% | 4,192 |
| Net operating income to assets | 1.4893% | 781 |
| Return on assets (ROA) | 1.4893% | 843 |
| Pretax return on assets | 1.4893% | 1,406 |
| Return on Equity (ROE) | 14.1240% | 860 |
| Retained earnings to average equity (ytd only) | 6.5860% | 1,515 |
| Net charge-offs to loans | 0.2995% | 4,522 |
| Credit loss provision to net charge-offs | 137.1429% | 2,787 |
| Earnings coverage of net charge-offs (x) | 7.6171% | 2,100 |
| Efficiency ratio | 69.3308% | 4,309 |
| Assets per employee ($millions) | 2.7380% | 6,627 |
| Cash dividends to net income (ytd only)* | 53.3699% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 2,849 |
| Loan loss allowance to noncurrent loans | 195.0648% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 3,903 |
| Noncurrent loans to loans | 0.9249% | 5,203 |
| Net loans and leases to total assets | 77.5992% | 1,004 |
| Net loans and leases to deposits | 89.4606% | 1,593 |
| Net loans and leases to core deposits | 91.8503% | 2,518 |
| Total domestic deposits to total assets | 86.7412% | 2,951 |
| Equity capital to assets | 10.6557% | 3,018 |
| Core capital (leverage) ratio | 10.4418% | 2,618 |
| Tier 1 risk-based capital ratio | 13.3331% | 4,346 |
| Total risk-based capital ratio | 14.5903% | 4,300 |
| Memoranda: | ||
| Average total assets | $220,173,200 | 2,864 |
| Average earning assets | $203,760,400 | 2,822 |
| Average equity | $23,215,800 | 2,735 |
| Average total loans | $175,300,000 | 2,403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3808% | 432 |
| Cost of funding earning assets | 1.1135% | 5,360 |
| Net interest margin | 5.2673% | 258 |
| Noninterest income to average assets | 1.1017% | 1,167 |
| Noninterest expense to average assets | 4.1939% | 838 |
| Loan and lease loss provision to assets | 0.2269% | 4,803 |
| Net operating income to assets | 1.5367% | 853 |
| Return on assets (ROA) | 1.5367% | 933 |
| Pretax return on assets | 1.5367% | 1,517 |
| Return on Equity (ROE) | 14.6127% | 922 |
| Retained earnings to average equity (ytd only) | 8.2669% | 1,323 |
| Net charge-offs to loans | 0.2388% | 4,512 |
| Credit loss provision to net charge-offs | 119.1083% | 3,473 |
| Earnings coverage of net charge-offs (x) | 9.2579% | 2,049 |
| Efficiency ratio | 70.1324% | 4,038 |
| Assets per employee ($millions) | 2.6732% | 6,815 |
| Cash dividends to net income (ytd only)* | 43.4268% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,107 |
| Loan loss allowance to noncurrent loans | 239.6675% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.7308% | 3,849 |
| Noncurrent loans to loans | 0.7158% | 5,781 |
| Net loans and leases to total assets | 79.1077% | 870 |
| Net loans and leases to deposits | 91.0900% | 1,561 |
| Net loans and leases to core deposits | 93.5505% | 2,585 |
| Total domestic deposits to total assets | 86.8456% | 2,615 |
| Equity capital to assets | 10.8050% | 3,162 |
| Core capital (leverage) ratio | 10.5573% | 2,630 |
| Tier 1 risk-based capital ratio | 13.2108% | 4,415 |
| Total risk-based capital ratio | 14.4666% | 4,384 |
| Memoranda: | ||
| Average total assets | $219,772,000 | 2,918 |
| Average earning assets | $202,602,250 | 2,884 |
| Average equity | $23,111,750 | 2,788 |
| Average total loans | $175,310,000 | 2,442 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3915% | 421 |
| Cost of funding earning assets | 1.1567% | 5,358 |
| Net interest margin | 5.2348% | 270 |
| Noninterest income to average assets | 0.9847% | 1,421 |
| Noninterest expense to average assets | 4.0371% | 1,001 |
| Loan and lease loss provision to assets | 0.2710% | 4,228 |
| Net operating income to assets | 1.4830% | 944 |
| Return on assets (ROA) | 1.4830% | 1,001 |
| Pretax return on assets | 1.4830% | 1,602 |
| Return on Equity (ROE) | 14.2317% | 991 |
| Retained earnings to average equity (ytd only) | 9.8688% | 873 |
| Net charge-offs to loans | 0.2812% | 3,933 |
| Credit loss provision to net charge-offs | 121.1382% | 3,342 |
| Earnings coverage of net charge-offs (x) | 7.8415% | 2,226 |
| Efficiency ratio | 69.4458% | 4,289 |
| Assets per employee ($millions) | 2.6275% | 6,901 |
| Cash dividends to net income (ytd only)* | 30.6560% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 3,057 |
| Loan loss allowance to noncurrent loans | 285.3497% | 997 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 3,874 |
| Noncurrent loans to loans | 0.5972% | 6,046 |
| Net loans and leases to total assets | 79.8512% | 822 |
| Net loans and leases to deposits | 91.7034% | 1,581 |
| Net loans and leases to core deposits | 94.3588% | 2,662 |
| Total domestic deposits to total assets | 87.0755% | 2,490 |
| Equity capital to assets | 10.7528% | 3,122 |
| Core capital (leverage) ratio | 10.3669% | 2,752 |
| Tier 1 risk-based capital ratio | 13.0677% | 4,382 |
| Total risk-based capital ratio | 14.3238% | 4,334 |
| Memoranda: | ||
| Average total assets | $219,961,000 | 2,938 |
| Average earning assets | $201,955,670 | 2,917 |
| Average equity | $22,920,670 | 2,806 |
| Average total loans | $174,935,000 | 2,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3470% | 491 |
| Cost of funding earning assets | 1.1692% | 5,559 |
| Net interest margin | 5.1778% | 307 |
| Noninterest income to average assets | 0.8547% | 1,794 |
| Noninterest expense to average assets | 3.8986% | 1,169 |
| Loan and lease loss provision to assets | 0.1684% | 4,845 |
| Net operating income to assets | 1.5428% | 830 |
| Return on assets (ROA) | 1.5428% | 892 |
| Pretax return on assets | 1.5428% | 1,413 |
| Return on Equity (ROE) | 15.0424% | 869 |
| Retained earnings to average equity (ytd only) | 15.0424% | 406 |
| Net charge-offs to loans | 0.0736% | 4,677 |
| Credit loss provision to net charge-offs | 290.6250% | 1,358 |
| Earnings coverage of net charge-offs (x) | 29.5313% | 879 |
| Efficiency ratio | 69.2059% | 4,472 |
| Assets per employee ($millions) | 2.6649% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 2,935 |
| Loan loss allowance to noncurrent loans | 235.8255% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 2.0476% | 3,444 |
| Noncurrent loans to loans | 0.7368% | 5,849 |
| Net loans and leases to total assets | 77.4137% | 1,269 |
| Net loans and leases to deposits | 89.4352% | 1,996 |
| Net loans and leases to core deposits | 92.2426% | 3,075 |
| Total domestic deposits to total assets | 86.5584% | 2,865 |
| Equity capital to assets | 10.4450% | 3,299 |
| Core capital (leverage) ratio | 10.3235% | 2,785 |
| Tier 1 risk-based capital ratio | 12.9984% | 4,336 |
| Total risk-based capital ratio | 14.2547% | 4,303 |
| Memoranda: | ||
| Average total assets | $220,900,500 | 2,977 |
| Average earning assets | $202,866,000 | 2,956 |
| Average equity | $22,656,000 | 2,854 |
| Average total loans | $173,822,500 | 2,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8303% | 361 |
| Cost of funding earning assets | 1.5226% | 5,420 |
| Net interest margin | 5.3077% | 241 |
| Noninterest income to average assets | 1.0785% | 1,326 |
| Noninterest expense to average assets | 4.0931% | 1,242 |
| Loan and lease loss provision to assets | 0.1678% | 6,011 |
| Net operating income to assets | 1.6874% | 461 |
| Return on assets (ROA) | 1.6874% | 485 |
| Pretax return on assets | 1.6888% | 802 |
| Return on Equity (ROE) | 16.6175% | 492 |
| Retained earnings to average equity (ytd only) | 6.9720% | 967 |
| Net charge-offs to loans | 0.2292% | 5,179 |
| Credit loss provision to net charge-offs | 89.8010% | 6,003 |
| Earnings coverage of net charge-offs (x) | 9.9353% | 1,741 |
| Efficiency ratio | 68.5288% | 4,917 |
| Assets per employee ($millions) | 2.6580% | 6,933 |
| Cash dividends to net income (ytd only)* | 58.0441% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 2,862 |
| Loan loss allowance to noncurrent loans | 124.4547% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 2.2587% | 3,055 |
| Noncurrent loans to loans | 1.3750% | 4,623 |
| Net loans and leases to total assets | 77.2485% | 1,534 |
| Net loans and leases to deposits | 88.8072% | 2,422 |
| Net loans and leases to core deposits | 100.3900% | 3,956 |
| Total domestic deposits to total assets | 86.9845% | 2,519 |
| Equity capital to assets | 10.0669% | 3,669 |
| Core capital (leverage) ratio | 10.0237% | 3,063 |
| Tier 1 risk-based capital ratio | 12.7451% | 4,328 |
| Total risk-based capital ratio | 14.0010% | 4,267 |
| Memoranda: | ||
| Average total assets | $215,117,600 | 3,016 |
| Average earning assets | $197,429,200 | 3,006 |
| Average equity | $21,844,400 | 2,963 |
| Average total loans | $175,382,000 | 2,567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8905% | 358 |
| Cost of funding earning assets | 1.5886% | 5,457 |
| Net interest margin | 5.3018% | 250 |
| Noninterest income to average assets | 1.1584% | 1,176 |
| Noninterest expense to average assets | 4.0883% | 1,164 |
| Loan and lease loss provision to assets | 0.1672% | 5,684 |
| Net operating income to assets | 1.7703% | 480 |
| Return on assets (ROA) | 1.7703% | 503 |
| Pretax return on assets | 1.7722% | 849 |
| Return on Equity (ROE) | 17.3947% | 508 |
| Retained earnings to average equity (ytd only) | 10.6096% | 532 |
| Net charge-offs to loans | 0.2115% | 4,708 |
| Credit loss provision to net charge-offs | 96.0573% | 5,298 |
| Earnings coverage of net charge-offs (x) | 11.1434% | 1,883 |
| Efficiency ratio | 67.5567% | 5,066 |
| Assets per employee ($millions) | 2.5642% | 7,121 |
| Cash dividends to net income (ytd only)* | 39.0062% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 2,588 |
| Loan loss allowance to noncurrent loans | 180.7600% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 2.2775% | 3,007 |
| Noncurrent loans to loans | 0.9465% | 5,405 |
| Net loans and leases to total assets | 80.8979% | 1,001 |
| Net loans and leases to deposits | 93.8824% | 1,901 |
| Net loans and leases to core deposits | 106.2935% | 3,669 |
| Total domestic deposits to total assets | 86.1694% | 2,604 |
| Equity capital to assets | 10.6092% | 3,391 |
| Core capital (leverage) ratio | 10.1796% | 3,084 |
| Tier 1 risk-based capital ratio | 12.9450% | 4,231 |
| Total risk-based capital ratio | 14.2013% | 4,154 |
| Memoranda: | ||
| Average total assets | $213,743,500 | 3,039 |
| Average earning assets | $196,305,250 | 3,038 |
| Average equity | $21,753,250 | 3,004 |
| Average total loans | $175,880,500 | 2,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9229% | 364 |
| Cost of funding earning assets | 1.6307% | 5,607 |
| Net interest margin | 5.2923% | 249 |
| Noninterest income to average assets | 1.2063% | 1,071 |
| Noninterest expense to average assets | 4.0589% | 1,238 |
| Loan and lease loss provision to assets | 0.1841% | 5,190 |
| Net operating income to assets | 1.8033% | 461 |
| Return on assets (ROA) | 1.8033% | 500 |
| Pretax return on assets | 1.8061% | 841 |
| Return on Equity (ROE) | 17.9719% | 498 |
| Retained earnings to average equity (ytd only) | 10.6434% | 622 |
| Net charge-offs to loans | 0.2385% | 4,001 |
| Credit loss provision to net charge-offs | 93.8095% | 4,804 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 2,026 |
| Efficiency ratio | 66.8366% | 5,400 |
| Assets per employee ($millions) | 2.6248% | 7,005 |
| Cash dividends to net income (ytd only)* | 40.7772% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 2,290 |
| Loan loss allowance to noncurrent loans | 257.3024% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 2.2738% | 2,864 |
| Noncurrent loans to loans | 0.6658% | 5,922 |
| Net loans and leases to total assets | 79.8320% | 1,344 |
| Net loans and leases to deposits | 92.6217% | 2,342 |
| Net loans and leases to core deposits | 105.6889% | 3,872 |
| Total domestic deposits to total assets | 86.1915% | 2,682 |
| Equity capital to assets | 10.1837% | 3,739 |
| Core capital (leverage) ratio | 9.8956% | 3,398 |
| Tier 1 risk-based capital ratio | 12.4849% | 4,532 |
| Total risk-based capital ratio | 13.7410% | 4,452 |
| Memoranda: | ||
| Average total assets | $214,049,670 | 3,055 |
| Average earning assets | $195,870,670 | 3,062 |
| Average equity | $21,478,000 | 3,040 |
| Average total loans | $176,118,000 | 2,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0492% | 306 |
| Cost of funding earning assets | 1.6885% | 5,644 |
| Net interest margin | 5.3607% | 218 |
| Noninterest income to average assets | 1.1112% | 1,200 |
| Noninterest expense to average assets | 3.9877% | 1,199 |
| Loan and lease loss provision to assets | 0.1743% | 4,718 |
| Net operating income to assets | 1.8514% | 480 |
| Return on assets (ROA) | 1.8514% | 535 |
| Pretax return on assets | 1.8514% | 888 |
| Return on Equity (ROE) | 18.5911% | 542 |
| Retained earnings to average equity (ytd only) | 18.5911% | 212 |
| Net charge-offs to loans | 0.1199% | 4,013 |
| Credit loss provision to net charge-offs | 175.4717% | 2,458 |
| Earnings coverage of net charge-offs (x) | 20.3962% | 1,374 |
| Efficiency ratio | 66.0330% | 5,324 |
| Assets per employee ($millions) | 2.6524% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 2,099 |
| Loan loss allowance to noncurrent loans | 156.9001% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 2.6638% | 2,152 |
| Noncurrent loans to loans | 1.0921% | 4,802 |
| Net loans and leases to total assets | 81.3507% | 1,128 |
| Net loans and leases to deposits | 94.2448% | 2,228 |
| Net loans and leases to core deposits | 107.6339% | 3,728 |
| Total domestic deposits to total assets | 86.3184% | 2,543 |
| Equity capital to assets | 10.1236% | 3,864 |
| Core capital (leverage) ratio | 9.9511% | 3,456 |
| Tier 1 risk-based capital ratio | 12.2613% | 4,739 |
| Total risk-based capital ratio | 13.5176% | 4,643 |
| Memoranda: | ||
| Average total assets | $213,456,000 | 3,076 |
| Average earning assets | $195,199,000 | 3,081 |
| Average equity | $21,257,500 | 3,086 |
| Average total loans | $176,765,500 | 2,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6584% | 303 |
| Cost of funding earning assets | 2.1663% | 5,748 |
| Net interest margin | 5.4921% | 211 |
| Noninterest income to average assets | 0.8962% | 1,972 |
| Noninterest expense to average assets | 4.1296% | 1,228 |
| Loan and lease loss provision to assets | 0.2892% | 4,069 |
| Net operating income to assets | 1.5328% | 953 |
| Return on assets (ROA) | 1.5707% | 853 |
| Pretax return on assets | 1.5707% | 1,475 |
| Return on Equity (ROE) | 17.7681% | 550 |
| Retained earnings to average equity (ytd only) | 13.0013% | 162 |
| Net charge-offs to loans | 0.3963% | 2,833 |
| Credit loss provision to net charge-offs | 87.6420% | 5,731 |
| Earnings coverage of net charge-offs (x) | 5.5213% | 3,619 |
| Efficiency ratio | 69.1187% | 4,504 |
| Assets per employee ($millions) | 2.4659% | 7,267 |
| Cash dividends to net income (ytd only)* | 26.8278% | 4,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 1,876 |
| Loan loss allowance to noncurrent loans | 155.6936% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 2.4271% | 2,002 |
| Noncurrent loans to loans | 1.0996% | 4,360 |
| Net loans and leases to total assets | 81.4357% | 1,332 |
| Net loans and leases to deposits | 94.4939% | 2,689 |
| Net loans and leases to core deposits | 108.0970% | 3,956 |
| Total domestic deposits to total assets | 86.1808% | 2,326 |
| Equity capital to assets | 9.7917% | 4,301 |
| Core capital (leverage) ratio | 9.4569% | 4,077 |
| Tier 1 risk-based capital ratio | 11.8566% | 4,936 |
| Total risk-based capital ratio | 13.1128% | 4,832 |
| Memoranda: | ||
| Average total assets | $213,339,600 | 2,961 |
| Average earning assets | $196,373,800 | 2,934 |
| Average equity | $18,859,600 | 3,422 |
| Average total loans | $177,658,400 | 2,528 |