Home > The Western State Bank > Performance and Condition Ratios
The Western State Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7531% | 729 |
| Cost of funding earning assets | 1.0686% | 2,837 |
| Net interest margin | 4.6845% | 471 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.9553% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.7838% | 207 |
| Return on assets (ROA) | 2.4887% | 266 |
| Pretax return on assets | 2.5902% | 346 |
| Return on Equity (ROE) | 30.2300% | 220 |
| Retained earnings to average equity (ytd only) | 3.9756% | 3,266 |
| Net charge-offs to loans | -0.1271% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.2792% | 4,352 |
| Assets per employee ($millions) | 5.6942% | 3,022 |
| Cash dividends to net income (ytd only)* | 86.8481% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1034% | 337 |
| Loan loss allowance to noncurrent loans | 3,307.8571% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,091 |
| Noncurrent loans to loans | 0.0636% | 3,300 |
| Net loans and leases to total assets | 65.2600% | 2,317 |
| Net loans and leases to deposits | 73.9783% | 2,565 |
| Net loans and leases to core deposits | 86.9373% | 2,128 |
| Total domestic deposits to total assets | 88.2200% | 1,500 |
| Equity capital to assets | 7.8583% | 3,148 |
| Core capital (leverage) ratio | 10.6154% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1831% | 1,828 |
| Memoranda: | ||
| Average total assets | $655,416,250 | 1,368 |
| Average earning assets | $629,094,000 | 1,326 |
| Average equity | $53,961,000 | 1,504 |
| Average total loans | $421,767,750 | 1,411 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 744 |
| Cost of funding earning assets | 0.8682% | 3,032 |
| Net interest margin | 4.7172% | 447 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9403% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7890% | 176 |
| Return on assets (ROA) | 2.6131% | 216 |
| Pretax return on assets | 2.7266% | 275 |
| Return on Equity (ROE) | 31.2600% | 195 |
| Retained earnings to average equity (ytd only) | 4.1760% | 3,167 |
| Net charge-offs to loans | -0.1372% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.9924% | 4,394 |
| Assets per employee ($millions) | 5.6154% | 3,049 |
| Cash dividends to net income (ytd only)* | 86.6409% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 354 |
| Loan loss allowance to noncurrent loans | 3,135.2740% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,327 |
| Noncurrent loans to loans | 0.0674% | 3,217 |
| Net loans and leases to total assets | 64.5400% | 2,330 |
| Net loans and leases to deposits | 73.4965% | 2,543 |
| Net loans and leases to core deposits | 82.2809% | 2,314 |
| Total domestic deposits to total assets | 87.8100% | 1,671 |
| Equity capital to assets | 8.4562% | 2,894 |
| Core capital (leverage) ratio | 10.5802% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0358% | 1,569 |
| Memoranda: | ||
| Average total assets | $653,713,000 | 1,370 |
| Average earning assets | $627,062,333 | 1,331 |
| Average equity | $54,646,000 | 1,488 |
| Average total loans | $415,577,333 | 1,413 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9471% | 1,331 |
| Cost of funding earning assets | 0.4799% | 3,758 |
| Net interest margin | 4.4672% | 612 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.8010% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.6750% | 208 |
| Return on assets (ROA) | 2.5826% | 219 |
| Pretax return on assets | 2.7010% | 287 |
| Return on Equity (ROE) | 31.0800% | 213 |
| Retained earnings to average equity (ytd only) | 7.4553% | 2,375 |
| Net charge-offs to loans | -0.0029% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.1542% | 4,465 |
| Assets per employee ($millions) | 5.8566% | 2,889 |
| Cash dividends to net income (ytd only)* | 76.0095% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1681% | 338 |
| Loan loss allowance to noncurrent loans | 388.1452% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 1,494 |
| Noncurrent loans to loans | 0.5586% | 1,323 |
| Net loans and leases to total assets | 59.9700% | 2,649 |
| Net loans and leases to deposits | 67.8230% | 2,785 |
| Net loans and leases to core deposits | 76.4800% | 2,492 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 8.3893% | 2,976 |
| Core capital (leverage) ratio | 11.0309% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6176% | 1,463 |
| Memoranda: | ||
| Average total assets | $652,066,000 | 1,391 |
| Average earning assets | $624,285,000 | 1,355 |
| Average equity | $54,190,000 | 1,508 |
| Average total loans | $406,788,500 | 1,457 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 1,237 |
| Cost of funding earning assets | 0.1805% | 3,903 |
| Net interest margin | 4.0231% | 761 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.9554% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1601% | 228 |
| Return on assets (ROA) | 1.8345% | 388 |
| Pretax return on assets | 1.9151% | 561 |
| Return on Equity (ROE) | 21.4800% | 366 |
| Retained earnings to average equity (ytd only) | 14.1216% | 369 |
| Net charge-offs to loans | -0.0394% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.4351% | 4,322 |
| Assets per employee ($millions) | 5.4869% | 3,229 |
| Cash dividends to net income (ytd only)* | 34.2676% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 282 |
| Loan loss allowance to noncurrent loans | 395.5978% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 1,409 |
| Noncurrent loans to loans | 0.5730% | 1,297 |
| Net loans and leases to total assets | 62.0900% | 2,427 |
| Net loans and leases to deposits | 67.7470% | 2,744 |
| Net loans and leases to core deposits | 72.8107% | 2,661 |
| Total domestic deposits to total assets | 91.6400% | 737 |
| Equity capital to assets | 8.2279% | 2,913 |
| Core capital (leverage) ratio | 11.1745% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5378% | 1,466 |
| Memoranda: | ||
| Average total assets | $620,371,000 | 1,437 |
| Average earning assets | $596,608,600 | 1,392 |
| Average equity | $52,975,600 | 1,544 |
| Average total loans | $390,495,400 | 1,428 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 1,223 |
| Cost of funding earning assets | 0.1507% | 3,836 |
| Net interest margin | 3.8721% | 841 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.9374% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0404% | 269 |
| Return on assets (ROA) | 1.7611% | 449 |
| Pretax return on assets | 1.8418% | 669 |
| Return on Equity (ROE) | 20.4300% | 398 |
| Retained earnings to average equity (ytd only) | 10.6434% | 1,155 |
| Net charge-offs to loans | -0.0338% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.5844% | 4,299 |
| Assets per employee ($millions) | 5.1315% | 3,561 |
| Cash dividends to net income (ytd only)* | 47.9057% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3147% | 283 |
| Loan loss allowance to noncurrent loans | 391.4482% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 1,408 |
| Noncurrent loans to loans | 0.5913% | 1,364 |
| Net loans and leases to total assets | 63.4900% | 2,142 |
| Net loans and leases to deposits | 69.2597% | 2,434 |
| Net loans and leases to core deposits | 74.1710% | 2,333 |
| Total domestic deposits to total assets | 91.6600% | 988 |
| Equity capital to assets | 7.3877% | 3,275 |
| Core capital (leverage) ratio | 11.2835% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1811% | 1,655 |
| Memoranda: | ||
| Average total assets | $616,343,750 | 1,449 |
| Average earning assets | $594,358,250 | 1,403 |
| Average equity | $53,127,250 | 1,561 |
| Average total loans | $387,036,500 | 1,423 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 1,230 |
| Cost of funding earning assets | 0.1263% | 3,890 |
| Net interest margin | 3.7099% | 897 |
| Noninterest income to average assets | 0.3297% | 3,189 |
| Noninterest expense to average assets | 1.9389% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8831% | 278 |
| Return on assets (ROA) | 1.6014% | 530 |
| Pretax return on assets | 1.6775% | 793 |
| Return on Equity (ROE) | 17.7523% | 502 |
| Retained earnings to average equity (ytd only) | 7.9177% | 1,649 |
| Net charge-offs to loans | -0.0608% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5342% | 4,278 |
| Assets per employee ($millions) | 5.2581% | 3,466 |
| Cash dividends to net income (ytd only)* | 55.3989% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3340% | 312 |
| Loan loss allowance to noncurrent loans | 389.0878% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 1,452 |
| Noncurrent loans to loans | 0.5999% | 1,412 |
| Net loans and leases to total assets | 63.1659% | 1,999 |
| Net loans and leases to deposits | 68.8369% | 2,315 |
| Net loans and leases to core deposits | 74.1286% | 2,159 |
| Total domestic deposits to total assets | 91.7616% | 941 |
| Equity capital to assets | 8.1430% | 3,013 |
| Core capital (leverage) ratio | 10.7105% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0621% | 1,686 |
| Memoranda: | ||
| Average total assets | $619,952,333 | 1,457 |
| Average earning assets | $598,771,000 | 1,409 |
| Average equity | $55,925,000 | 1,525 |
| Average total loans | $384,871,000 | 1,422 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 1,415 |
| Cost of funding earning assets | 0.1206% | 3,891 |
| Net interest margin | 3.5136% | 1,066 |
| Noninterest income to average assets | 0.3231% | 3,169 |
| Noninterest expense to average assets | 1.9229% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7190% | 391 |
| Return on assets (ROA) | 1.7190% | 394 |
| Pretax return on assets | 1.7980% | 549 |
| Return on Equity (ROE) | 18.2021% | 320 |
| Retained earnings to average equity (ytd only) | 8.7535% | 1,346 |
| Net charge-offs to loans | -0.1132% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6615% | 4,218 |
| Assets per employee ($millions) | 5.2935% | 3,492 |
| Cash dividends to net income (ytd only)* | 51.9095% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4083% | 316 |
| Loan loss allowance to noncurrent loans | 370.8418% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 1,542 |
| Noncurrent loans to loans | 0.6494% | 1,452 |
| Net loans and leases to total assets | 58.6629% | 2,218 |
| Net loans and leases to deposits | 64.2915% | 2,503 |
| Net loans and leases to core deposits | 69.1829% | 2,364 |
| Total domestic deposits to total assets | 91.2451% | 913 |
| Equity capital to assets | 8.6277% | 3,050 |
| Core capital (leverage) ratio | 10.3701% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9988% | 1,512 |
| Memoranda: | ||
| Average total assets | $627,588,000 | 1,437 |
| Average earning assets | $606,894,500 | 1,399 |
| Average equity | $59,268,000 | 1,502 |
| Average total loans | $381,766,500 | 1,424 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 1,101 |
| Cost of funding earning assets | 0.1440% | 4,028 |
| Net interest margin | 3.9928% | 720 |
| Noninterest income to average assets | 0.2950% | 3,633 |
| Noninterest expense to average assets | 1.9841% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1059% | 284 |
| Return on assets (ROA) | 2.1270% | 290 |
| Pretax return on assets | 2.1768% | 432 |
| Return on Equity (ROE) | 19.1166% | 372 |
| Retained earnings to average equity (ytd only) | 0.7249% | 4,323 |
| Net charge-offs to loans | -0.0748% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9155% | 4,410 |
| Assets per employee ($millions) | 5.6329% | 3,135 |
| Cash dividends to net income (ytd only)* | 96.2078% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3412% | 359 |
| Loan loss allowance to noncurrent loans | 271.5793% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 1,260 |
| Noncurrent loans to loans | 0.8621% | 1,182 |
| Net loans and leases to total assets | 60.1152% | 2,149 |
| Net loans and leases to deposits | 67.0949% | 2,395 |
| Net loans and leases to core deposits | 72.4252% | 2,220 |
| Total domestic deposits to total assets | 89.5973% | 1,177 |
| Equity capital to assets | 10.2660% | 2,408 |
| Core capital (leverage) ratio | 10.4829% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6403% | 1,638 |
| Memoranda: | ||
| Average total assets | $586,421,600 | 1,481 |
| Average earning assets | $564,615,800 | 1,444 |
| Average equity | $65,246,800 | 1,421 |
| Average total loans | $367,855,800 | 1,467 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 938 |
| Cost of funding earning assets | 0.1512% | 4,098 |
| Net interest margin | 4.1581% | 589 |
| Noninterest income to average assets | 0.2804% | 3,756 |
| Noninterest expense to average assets | 2.0197% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2119% | 317 |
| Return on assets (ROA) | 2.2400% | 316 |
| Pretax return on assets | 2.2895% | 473 |
| Return on Equity (ROE) | 19.7192% | 447 |
| Retained earnings to average equity (ytd only) | 0.3847% | 4,507 |
| Net charge-offs to loans | -0.0110% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1672% | 4,429 |
| Assets per employee ($millions) | 5.3250% | 3,383 |
| Cash dividends to net income (ytd only)* | 98.0493% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 373 |
| Loan loss allowance to noncurrent loans | 203.9795% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 1,012 |
| Noncurrent loans to loans | 1.1417% | 987 |
| Net loans and leases to total assets | 62.1928% | 1,983 |
| Net loans and leases to deposits | 69.9497% | 2,253 |
| Net loans and leases to core deposits | 75.9342% | 2,052 |
| Total domestic deposits to total assets | 88.9108% | 1,336 |
| Equity capital to assets | 10.9397% | 2,062 |
| Core capital (leverage) ratio | 10.7668% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3655% | 1,526 |
| Memoranda: | ||
| Average total assets | $576,714,250 | 1,516 |
| Average earning assets | $554,797,250 | 1,480 |
| Average equity | $65,511,500 | 1,436 |
| Average total loans | $363,599,250 | 1,506 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 583 |
| Cost of funding earning assets | 0.1563% | 4,154 |
| Net interest margin | 4.4885% | 360 |
| Noninterest income to average assets | 0.2364% | 3,992 |
| Noninterest expense to average assets | 2.0289% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4948% | 219 |
| Return on assets (ROA) | 2.4986% | 235 |
| Pretax return on assets | 2.5300% | 341 |
| Return on Equity (ROE) | 21.7191% | 339 |
| Retained earnings to average equity (ytd only) | 1.9606% | 4,123 |
| Net charge-offs to loans | -0.0095% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5263% | 4,587 |
| Assets per employee ($millions) | 5.0902% | 3,570 |
| Cash dividends to net income (ytd only)* | 90.9727% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 313 |
| Loan loss allowance to noncurrent loans | 195.9910% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 1,066 |
| Noncurrent loans to loans | 1.2258% | 982 |
| Net loans and leases to total assets | 61.2639% | 2,271 |
| Net loans and leases to deposits | 69.1582% | 2,499 |
| Net loans and leases to core deposits | 75.0694% | 2,323 |
| Total domestic deposits to total assets | 88.5851% | 1,525 |
| Equity capital to assets | 11.2892% | 1,756 |
| Core capital (leverage) ratio | 11.0826% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5340% | 1,222 |
| Memoranda: | ||
| Average total assets | $571,926,333 | 1,523 |
| Average earning assets | $550,296,333 | 1,487 |
| Average equity | $65,794,667 | 1,419 |
| Average total loans | $359,341,333 | 1,527 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 382 |
| Cost of funding earning assets | 0.1634% | 4,212 |
| Net interest margin | 4.7832% | 244 |
| Noninterest income to average assets | 0.2269% | 4,022 |
| Noninterest expense to average assets | 1.9382% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.9210% | 163 |
| Return on assets (ROA) | 2.9280% | 181 |
| Pretax return on assets | 2.8942% | 262 |
| Return on Equity (ROE) | 25.2118% | 253 |
| Retained earnings to average equity (ytd only) | 10.0459% | 1,637 |
| Net charge-offs to loans | -0.0146% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1518% | 4,735 |
| Assets per employee ($millions) | 5.3141% | 3,320 |
| Cash dividends to net income (ytd only)* | 60.1540% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4651% | 275 |
| Loan loss allowance to noncurrent loans | 185.8114% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 1,072 |
| Noncurrent loans to loans | 1.3266% | 977 |
| Net loans and leases to total assets | 60.8731% | 2,420 |
| Net loans and leases to deposits | 68.9764% | 2,605 |
| Net loans and leases to core deposits | 75.1846% | 2,412 |
| Total domestic deposits to total assets | 88.2521% | 1,716 |
| Equity capital to assets | 11.5944% | 1,486 |
| Core capital (leverage) ratio | 11.5755% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7705% | 959 |
| Memoranda: | ||
| Average total assets | $567,750,500 | 1,521 |
| Average earning assets | $545,825,000 | 1,484 |
| Average equity | $65,937,500 | 1,411 |
| Average total loans | $356,886,000 | 1,537 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 1,450 |
| Cost of funding earning assets | 0.2995% | 4,146 |
| Net interest margin | 4.1460% | 718 |
| Noninterest income to average assets | 0.3442% | 3,403 |
| Noninterest expense to average assets | 2.1481% | 3,831 |
| Loan and lease loss provision to assets | 0.1739% | 2,215 |
| Net operating income to assets | 1.8993% | 321 |
| Return on assets (ROA) | 2.0007% | 278 |
| Pretax return on assets | 2.0861% | 373 |
| Return on Equity (ROE) | 16.3742% | 466 |
| Retained earnings to average equity (ytd only) | 7.1255% | 1,349 |
| Net charge-offs to loans | 0.0599% | 1,921 |
| Credit loss provision to net charge-offs | 434.7826% | 1,359 |
| Earnings coverage of net charge-offs (x) | 53.8744% | 1,135 |
| Efficiency ratio | 49.9102% | 4,538 |
| Assets per employee ($millions) | 5.1071% | 3,275 |
| Cash dividends to net income (ytd only)* | 56.4835% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4339% | 282 |
| Loan loss allowance to noncurrent loans | 186.8849% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 1,119 |
| Noncurrent loans to loans | 1.3023% | 1,046 |
| Net loans and leases to total assets | 61.7682% | 2,638 |
| Net loans and leases to deposits | 70.0519% | 2,874 |
| Net loans and leases to core deposits | 75.4605% | 2,775 |
| Total domestic deposits to total assets | 88.1749% | 1,394 |
| Equity capital to assets | 11.6333% | 1,784 |
| Core capital (leverage) ratio | 11.4012% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9493% | 1,274 |
| Memoranda: | ||
| Average total assets | $517,663,200 | 1,496 |
| Average earning assets | $494,210,800 | 1,469 |
| Average equity | $63,252,000 | 1,392 |
| Average total loans | $345,321,000 | 1,519 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 1,314 |
| Cost of funding earning assets | 0.3382% | 4,110 |
| Net interest margin | 4.2591% | 640 |
| Noninterest income to average assets | 0.3306% | 3,505 |
| Noninterest expense to average assets | 2.1856% | 3,714 |
| Loan and lease loss provision to assets | 0.1716% | 2,270 |
| Net operating income to assets | 1.9288% | 346 |
| Return on assets (ROA) | 2.0658% | 283 |
| Pretax return on assets | 2.1597% | 369 |
| Return on Equity (ROE) | 16.6828% | 474 |
| Retained earnings to average equity (ytd only) | 8.9060% | 1,009 |
| Net charge-offs to loans | 0.0133% | 2,636 |
| Credit loss provision to net charge-offs | 1,911.7647% | 495 |
| Earnings coverage of net charge-offs (x) | 243.9706% | 422 |
| Efficiency ratio | 49.9487% | 4,495 |
| Assets per employee ($millions) | 4.5186% | 3,827 |
| Cash dividends to net income (ytd only)* | 46.6156% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3707% | 276 |
| Loan loss allowance to noncurrent loans | 170.1651% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 1,070 |
| Noncurrent loans to loans | 1.3932% | 1,043 |
| Net loans and leases to total assets | 66.8697% | 2,402 |
| Net loans and leases to deposits | 76.4063% | 2,708 |
| Net loans and leases to core deposits | 84.0033% | 2,473 |
| Total domestic deposits to total assets | 87.5186% | 1,440 |
| Equity capital to assets | 12.2591% | 1,543 |
| Core capital (leverage) ratio | 11.7703% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6280% | 1,343 |
| Memoranda: | ||
| Average total assets | $505,356,750 | 1,510 |
| Average earning assets | $479,775,250 | 1,482 |
| Average equity | $62,578,000 | 1,392 |
| Average total loans | $341,928,250 | 1,519 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 1,327 |
| Cost of funding earning assets | 0.3726% | 4,159 |
| Net interest margin | 4.3590% | 661 |
| Noninterest income to average assets | 0.3274% | 3,509 |
| Noninterest expense to average assets | 2.1787% | 3,855 |
| Loan and lease loss provision to assets | 0.1613% | 2,388 |
| Net operating income to assets | 2.0414% | 302 |
| Return on assets (ROA) | 2.2525% | 225 |
| Pretax return on assets | 2.3654% | 272 |
| Return on Equity (ROE) | 18.1252% | 353 |
| Retained earnings to average equity (ytd only) | 10.3392% | 727 |
| Net charge-offs to loans | -0.0012% | 3,768 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5791% | 4,587 |
| Assets per employee ($millions) | 4.6514% | 3,595 |
| Cash dividends to net income (ytd only)* | 42.9569% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3459% | 274 |
| Loan loss allowance to noncurrent loans | 160.1555% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 1,048 |
| Noncurrent loans to loans | 1.4648% | 1,042 |
| Net loans and leases to total assets | 68.0881% | 2,340 |
| Net loans and leases to deposits | 78.0099% | 2,652 |
| Net loans and leases to core deposits | 87.6044% | 2,290 |
| Total domestic deposits to total assets | 87.2813% | 1,504 |
| Equity capital to assets | 12.4884% | 1,381 |
| Core capital (leverage) ratio | 12.0894% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6420% | 1,332 |
| Memoranda: | ||
| Average total assets | $496,077,333 | 1,508 |
| Average earning assets | $472,951,000 | 1,473 |
| Average equity | $61,649,000 | 1,395 |
| Average total loans | $334,169,667 | 1,535 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 1,481 |
| Cost of funding earning assets | 0.4201% | 4,283 |
| Net interest margin | 4.3572% | 686 |
| Noninterest income to average assets | 0.3498% | 3,426 |
| Noninterest expense to average assets | 2.2265% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1626% | 198 |
| Return on assets (ROA) | 2.5459% | 108 |
| Pretax return on assets | 2.6627% | 129 |
| Return on Equity (ROE) | 20.5397% | 144 |
| Retained earnings to average equity (ytd only) | 4.6020% | 2,454 |
| Net charge-offs to loans | -0.0012% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5692% | 4,692 |
| Assets per employee ($millions) | 4.4075% | 3,401 |
| Cash dividends to net income (ytd only)* | 77.5946% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5204% | 239 |
| Loan loss allowance to noncurrent loans | 137.1292% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 897 |
| Noncurrent loans to loans | 1.8380% | 810 |
| Net loans and leases to total assets | 64.7572% | 2,973 |
| Net loans and leases to deposits | 74.4433% | 3,224 |
| Net loans and leases to core deposits | 80.8158% | 3,125 |
| Total domestic deposits to total assets | 86.9886% | 1,556 |
| Equity capital to assets | 12.7699% | 1,568 |
| Core capital (leverage) ratio | 12.3235% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7268% | 1,189 |
| Memoranda: | ||
| Average total assets | $485,965,000 | 1,499 |
| Average earning assets | $461,762,000 | 1,459 |
| Average equity | $60,234,500 | 1,412 |
| Average total loans | $321,262,000 | 1,557 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 1,326 |
| Cost of funding earning assets | 0.4954% | 4,115 |
| Net interest margin | 4.5602% | 625 |
| Noninterest income to average assets | 0.3583% | 3,558 |
| Noninterest expense to average assets | 2.2715% | 4,020 |
| Loan and lease loss provision to assets | 0.2768% | 635 |
| Net operating income to assets | 2.0367% | 321 |
| Return on assets (ROA) | 2.0424% | 331 |
| Pretax return on assets | 2.1314% | 441 |
| Return on Equity (ROE) | 16.4690% | 478 |
| Retained earnings to average equity (ytd only) | 0.3313% | 4,599 |
| Net charge-offs to loans | 0.6094% | 303 |
| Credit loss provision to net charge-offs | 66.6325% | 2,963 |
| Earnings coverage of net charge-offs (x) | 5.7832% | 3,046 |
| Efficiency ratio | 48.5833% | 4,802 |
| Assets per employee ($millions) | 4.5093% | 3,205 |
| Cash dividends to net income (ytd only)* | 97.9881% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4872% | 220 |
| Loan loss allowance to noncurrent loans | 135.4725% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 861 |
| Noncurrent loans to loans | 1.8360% | 730 |
| Net loans and leases to total assets | 64.1554% | 3,178 |
| Net loans and leases to deposits | 73.1194% | 3,426 |
| Net loans and leases to core deposits | 81.6856% | 3,158 |
| Total domestic deposits to total assets | 87.7407% | 1,253 |
| Equity capital to assets | 12.0282% | 2,121 |
| Core capital (leverage) ratio | 12.1058% | 1,711 |
| Tier 1 risk-based capital ratio | 16.3326% | 2,277 |
| Total risk-based capital ratio | 17.5951% | 2,219 |
| Memoranda: | ||
| Average total assets | $469,694,200 | 1,494 |
| Average earning assets | $444,480,400 | 1,470 |
| Average equity | $58,248,800 | 1,395 |
| Average total loans | $320,161,600 | 1,526 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 1,136 |
| Cost of funding earning assets | 0.4948% | 4,158 |
| Net interest margin | 4.6624% | 537 |
| Noninterest income to average assets | 0.3619% | 3,558 |
| Noninterest expense to average assets | 2.3117% | 3,920 |
| Loan and lease loss provision to assets | 0.3159% | 454 |
| Net operating income to assets | 2.0438% | 369 |
| Return on assets (ROA) | 2.0515% | 375 |
| Pretax return on assets | 2.1457% | 503 |
| Return on Equity (ROE) | 16.4115% | 550 |
| Retained earnings to average equity (ytd only) | 0.3285% | 4,699 |
| Net charge-offs to loans | 0.8120% | 194 |
| Credit loss provision to net charge-offs | 56.5553% | 2,737 |
| Earnings coverage of net charge-offs (x) | 4.3923% | 3,015 |
| Efficiency ratio | 48.4932% | 4,824 |
| Assets per employee ($millions) | 4.1292% | 3,716 |
| Cash dividends to net income (ytd only)* | 97.9981% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4058% | 251 |
| Loan loss allowance to noncurrent loans | 147.4357% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 1,001 |
| Noncurrent loans to loans | 1.6318% | 904 |
| Net loans and leases to total assets | 68.2290% | 2,758 |
| Net loans and leases to deposits | 78.3494% | 3,063 |
| Net loans and leases to core deposits | 87.6073% | 2,768 |
| Total domestic deposits to total assets | 87.0830% | 1,475 |
| Equity capital to assets | 12.6813% | 1,788 |
| Core capital (leverage) ratio | 12.7209% | 1,476 |
| Tier 1 risk-based capital ratio | 16.4014% | 2,301 |
| Total risk-based capital ratio | 17.6634% | 2,231 |
| Memoranda: | ||
| Average total assets | $464,240,000 | 1,517 |
| Average earning assets | $438,446,750 | 1,496 |
| Average equity | $58,031,000 | 1,403 |
| Average total loans | $319,358,500 | 1,544 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 1,166 |
| Cost of funding earning assets | 0.4778% | 4,215 |
| Net interest margin | 4.6442% | 559 |
| Noninterest income to average assets | 0.3543% | 3,569 |
| Noninterest expense to average assets | 2.2505% | 4,123 |
| Loan and lease loss provision to assets | 0.3884% | 317 |
| Net operating income to assets | 2.0067% | 382 |
| Return on assets (ROA) | 2.0183% | 398 |
| Pretax return on assets | 2.1107% | 538 |
| Return on Equity (ROE) | 16.2252% | 555 |
| Retained earnings to average equity (ytd only) | 0.9610% | 4,448 |
| Net charge-offs to loans | 0.7065% | 214 |
| Credit loss provision to net charge-offs | 80.3571% | 2,223 |
| Earnings coverage of net charge-offs (x) | 5.1455% | 2,687 |
| Efficiency ratio | 47.4859% | 4,921 |
| Assets per employee ($millions) | 4.1313% | 3,681 |
| Cash dividends to net income (ytd only)* | 94.0774% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5723% | 202 |
| Loan loss allowance to noncurrent loans | 136.0687% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 767 |
| Noncurrent loans to loans | 1.8904% | 787 |
| Net loans and leases to total assets | 70.6187% | 2,445 |
| Net loans and leases to deposits | 81.3165% | 2,806 |
| Net loans and leases to core deposits | 90.1439% | 2,588 |
| Total domestic deposits to total assets | 86.8442% | 1,667 |
| Equity capital to assets | 12.9633% | 1,604 |
| Core capital (leverage) ratio | 12.7956% | 1,405 |
| Tier 1 risk-based capital ratio | 16.3205% | 2,297 |
| Total risk-based capital ratio | 17.5842% | 2,234 |
| Memoranda: | ||
| Average total assets | $463,453,000 | 1,525 |
| Average earning assets | $437,404,000 | 1,502 |
| Average equity | $57,651,000 | 1,404 |
| Average total loans | $317,076,330 | 1,553 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 1,211 |
| Cost of funding earning assets | 0.4612% | 4,238 |
| Net interest margin | 4.5905% | 620 |
| Noninterest income to average assets | 0.2949% | 3,904 |
| Noninterest expense to average assets | 2.1942% | 4,268 |
| Loan and lease loss provision to assets | 0.5983% | 176 |
| Net operating income to assets | 1.7668% | 632 |
| Return on assets (ROA) | 1.7668% | 649 |
| Pretax return on assets | 1.8156% | 949 |
| Return on Equity (ROE) | 14.4999% | 857 |
| Retained earnings to average equity (ytd only) | -2.3360% | 4,770 |
| Net charge-offs to loans | 1.5181% | 78 |
| Credit loss provision to net charge-offs | 59.3220% | 1,916 |
| Earnings coverage of net charge-offs (x) | 2.3932% | 2,499 |
| Efficiency ratio | 47.5978% | 4,960 |
| Assets per employee ($millions) | 4.2314% | 3,580 |
| Cash dividends to net income (ytd only)* | 116.1103% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5984% | 218 |
| Loan loss allowance to noncurrent loans | 130.4479% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 810 |
| Noncurrent loans to loans | 1.9919% | 748 |
| Net loans and leases to total assets | 67.3675% | 2,848 |
| Net loans and leases to deposits | 77.2435% | 3,138 |
| Net loans and leases to core deposits | 82.8192% | 3,120 |
| Total domestic deposits to total assets | 87.2145% | 1,709 |
| Equity capital to assets | 12.5616% | 1,698 |
| Core capital (leverage) ratio | 12.4575% | 1,540 |
| Tier 1 risk-based capital ratio | 16.7677% | 2,186 |
| Total risk-based capital ratio | 18.0316% | 2,132 |
| Memoranda: | ||
| Average total assets | $467,957,000 | 1,530 |
| Average earning assets | $439,686,500 | 1,507 |
| Average equity | $57,021,000 | 1,417 |
| Average total loans | $310,916,500 | 1,587 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 2,030 |
| Cost of funding earning assets | 0.3703% | 4,156 |
| Net interest margin | 4.2669% | 1,235 |
| Noninterest income to average assets | 0.3675% | 3,642 |
| Noninterest expense to average assets | 2.2337% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0770% | 307 |
| Return on assets (ROA) | 2.0757% | 305 |
| Pretax return on assets | 2.1662% | 384 |
| Return on Equity (ROE) | 17.9475% | 394 |
| Retained earnings to average equity (ytd only) | 9.9386% | 628 |
| Net charge-offs to loans | -0.0109% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7378% | 4,892 |
| Assets per employee ($millions) | 4.5181% | 3,146 |
| Cash dividends to net income (ytd only)* | 44.6241% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8431% | 154 |
| Loan loss allowance to noncurrent loans | 120.7697% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 703 |
| Noncurrent loans to loans | 2.3542% | 535 |
| Net loans and leases to total assets | 62.0273% | 3,563 |
| Net loans and leases to deposits | 70.5358% | 3,792 |
| Net loans and leases to core deposits | 76.2754% | 3,694 |
| Total domestic deposits to total assets | 87.9374% | 1,322 |
| Equity capital to assets | 11.8258% | 2,011 |
| Core capital (leverage) ratio | 13.0192% | 1,243 |
| Tier 1 risk-based capital ratio | 17.3462% | 1,938 |
| Total risk-based capital ratio | 18.6128% | 1,892 |
| Memoranda: | ||
| Average total assets | $458,830,000 | 1,518 |
| Average earning assets | $433,760,000 | 1,491 |
| Average equity | $53,066,000 | 1,441 |
| Average total loans | $303,567,200 | 1,586 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,963 |
| Cost of funding earning assets | 0.3586% | 4,125 |
| Net interest margin | 4.2468% | 1,245 |
| Noninterest income to average assets | 0.3687% | 3,663 |
| Noninterest expense to average assets | 2.2350% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0789% | 323 |
| Return on assets (ROA) | 2.0772% | 321 |
| Pretax return on assets | 2.1612% | 422 |
| Return on Equity (ROE) | 18.0675% | 420 |
| Retained earnings to average equity (ytd only) | 7.2066% | 2,022 |
| Net charge-offs to loans | -0.0048% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8050% | 4,898 |
| Assets per employee ($millions) | 4.1588% | 3,636 |
| Cash dividends to net income (ytd only)* | 60.1132% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8280% | 163 |
| Loan loss allowance to noncurrent loans | 111.4510% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.9039% | 580 |
| Noncurrent loans to loans | 2.5375% | 510 |
| Net loans and leases to total assets | 68.2366% | 2,896 |
| Net loans and leases to deposits | 77.9994% | 3,239 |
| Net loans and leases to core deposits | 83.1631% | 3,231 |
| Total domestic deposits to total assets | 87.4835% | 1,499 |
| Equity capital to assets | 12.2737% | 1,724 |
| Core capital (leverage) ratio | 12.5972% | 1,458 |
| Tier 1 risk-based capital ratio | 15.5455% | 2,629 |
| Total risk-based capital ratio | 16.8100% | 2,557 |
| Memoranda: | ||
| Average total assets | $453,808,000 | 1,538 |
| Average earning assets | $430,561,500 | 1,507 |
| Average equity | $52,173,500 | 1,462 |
| Average total loans | $303,020,750 | 1,594 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,141 |
| Cost of funding earning assets | 0.3388% | 4,140 |
| Net interest margin | 4.1459% | 1,420 |
| Noninterest income to average assets | 0.3491% | 3,832 |
| Noninterest expense to average assets | 2.1697% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0172% | 369 |
| Return on assets (ROA) | 2.0147% | 366 |
| Pretax return on assets | 2.1070% | 484 |
| Return on Equity (ROE) | 17.9074% | 424 |
| Retained earnings to average equity (ytd only) | 1.4662% | 4,648 |
| Net charge-offs to loans | 0.0013% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,423.5000% | 23 |
| Efficiency ratio | 50.6916% | 4,983 |
| Assets per employee ($millions) | 4.2276% | 3,535 |
| Cash dividends to net income (ytd only)* | 91.8125% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8400% | 172 |
| Loan loss allowance to noncurrent loans | 109.5672% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.8823% | 592 |
| Noncurrent loans to loans | 2.5920% | 489 |
| Net loans and leases to total assets | 66.0989% | 3,136 |
| Net loans and leases to deposits | 74.8520% | 3,454 |
| Net loans and leases to core deposits | 80.9121% | 3,329 |
| Total domestic deposits to total assets | 88.3061% | 1,217 |
| Equity capital to assets | 11.4873% | 2,210 |
| Core capital (leverage) ratio | 11.9484% | 1,751 |
| Tier 1 risk-based capital ratio | 15.0176% | 2,867 |
| Total risk-based capital ratio | 16.2823% | 2,787 |
| Memoranda: | ||
| Average total assets | $459,519,670 | 1,533 |
| Average earning assets | $435,615,330 | 1,506 |
| Average equity | $51,699,330 | 1,474 |
| Average total loans | $301,813,330 | 1,598 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 2,087 |
| Cost of funding earning assets | 0.3169% | 4,219 |
| Net interest margin | 4.1149% | 1,404 |
| Noninterest income to average assets | 0.3474% | 3,818 |
| Noninterest expense to average assets | 2.1237% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0274% | 353 |
| Return on assets (ROA) | 2.0274% | 352 |
| Pretax return on assets | 2.1203% | 441 |
| Return on Equity (ROE) | 18.2048% | 392 |
| Retained earnings to average equity (ytd only) | 0.8338% | 4,660 |
| Net charge-offs to loans | 0.0107% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 308.2500% | 222 |
| Efficiency ratio | 50.0203% | 5,083 |
| Assets per employee ($millions) | 4.1994% | 3,654 |
| Cash dividends to net income (ytd only)* | 95.4198% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9263% | 166 |
| Loan loss allowance to noncurrent loans | 114.9615% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 702 |
| Noncurrent loans to loans | 2.5454% | 530 |
| Net loans and leases to total assets | 63.2833% | 3,399 |
| Net loans and leases to deposits | 71.5172% | 3,657 |
| Net loans and leases to core deposits | 75.7675% | 3,690 |
| Total domestic deposits to total assets | 88.4868% | 1,360 |
| Equity capital to assets | 11.3514% | 2,253 |
| Core capital (leverage) ratio | 11.5825% | 1,951 |
| Tier 1 risk-based capital ratio | 15.2301% | 2,774 |
| Total risk-based capital ratio | 16.4953% | 2,703 |
| Memoranda: | ||
| Average total assets | $465,219,000 | 1,525 |
| Average earning assets | $440,541,000 | 1,491 |
| Average equity | $51,810,500 | 1,486 |
| Average total loans | $300,289,500 | 1,600 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 1,660 |
| Cost of funding earning assets | 0.2826% | 4,292 |
| Net interest margin | 4.2342% | 1,114 |
| Noninterest income to average assets | 0.4041% | 3,610 |
| Noninterest expense to average assets | 2.3627% | 4,172 |
| Loan and lease loss provision to assets | 0.1796% | 1,202 |
| Net operating income to assets | 1.8063% | 414 |
| Return on assets (ROA) | 1.8059% | 422 |
| Pretax return on assets | 1.8840% | 619 |
| Return on Equity (ROE) | 15.2618% | 575 |
| Retained earnings to average equity (ytd only) | 7.3896% | 957 |
| Net charge-offs to loans | -0.0093% | 4,774 |
| Credit loss provision to net charge-offs | -2,785.7143% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3684% | 5,001 |
| Assets per employee ($millions) | 4.4990% | 3,184 |
| Cash dividends to net income (ytd only)* | 51.5812% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8402% | 172 |
| Loan loss allowance to noncurrent loans | 384.5471% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 2,639 |
| Noncurrent loans to loans | 0.7386% | 2,361 |
| Net loans and leases to total assets | 62.1206% | 3,603 |
| Net loans and leases to deposits | 69.8722% | 3,888 |
| Net loans and leases to core deposits | 73.1447% | 3,958 |
| Total domestic deposits to total assets | 88.9060% | 1,043 |
| Equity capital to assets | 10.9327% | 2,698 |
| Core capital (leverage) ratio | 12.0812% | 1,562 |
| Tier 1 risk-based capital ratio | 15.0952% | 2,801 |
| Total risk-based capital ratio | 16.3604% | 2,731 |
| Memoranda: | ||
| Average total assets | $434,246,000 | 1,591 |
| Average earning assets | $412,546,200 | 1,558 |
| Average equity | $51,383,200 | 1,495 |
| Average total loans | $300,551,400 | 1,569 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,403 |
| Cost of funding earning assets | 0.2806% | 4,307 |
| Net interest margin | 4.3059% | 910 |
| Noninterest income to average assets | 0.4186% | 3,566 |
| Noninterest expense to average assets | 2.4026% | 4,014 |
| Loan and lease loss provision to assets | 0.2361% | 756 |
| Net operating income to assets | 1.7702% | 498 |
| Return on assets (ROA) | 1.7693% | 517 |
| Pretax return on assets | 1.8748% | 734 |
| Return on Equity (ROE) | 14.6392% | 713 |
| Retained earnings to average equity (ytd only) | 8.9747% | 847 |
| Net charge-offs to loans | -0.0209% | 4,860 |
| Credit loss provision to net charge-offs | -1,595.7447% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2213% | 4,991 |
| Assets per employee ($millions) | 3.9243% | 4,113 |
| Cash dividends to net income (ytd only)* | 38.6942% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7962% | 186 |
| Loan loss allowance to noncurrent loans | 707.7741% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 3,392 |
| Noncurrent loans to loans | 0.3951% | 3,543 |
| Net loans and leases to total assets | 70.9395% | 2,417 |
| Net loans and leases to deposits | 83.0241% | 2,655 |
| Net loans and leases to core deposits | 88.0039% | 2,769 |
| Total domestic deposits to total assets | 85.4445% | 2,537 |
| Equity capital to assets | 12.4310% | 1,698 |
| Core capital (leverage) ratio | 12.5232% | 1,409 |
| Tier 1 risk-based capital ratio | 15.1620% | 2,856 |
| Total risk-based capital ratio | 16.4274% | 2,778 |
| Memoranda: | ||
| Average total assets | $423,583,000 | 1,637 |
| Average earning assets | $402,911,500 | 1,601 |
| Average equity | $51,194,500 | 1,511 |
| Average total loans | $299,461,250 | 1,579 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 1,339 |
| Cost of funding earning assets | 0.2687% | 4,381 |
| Net interest margin | 4.2970% | 872 |
| Noninterest income to average assets | 0.4005% | 3,691 |
| Noninterest expense to average assets | 2.3613% | 4,179 |
| Loan and lease loss provision to assets | 0.2361% | 721 |
| Net operating income to assets | 1.7709% | 480 |
| Return on assets (ROA) | 1.7695% | 489 |
| Pretax return on assets | 1.8871% | 681 |
| Return on Equity (ROE) | 14.7818% | 698 |
| Retained earnings to average equity (ytd only) | 14.7818% | 150 |
| Net charge-offs to loans | -0.0108% | 4,566 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6371% | 5,125 |
| Assets per employee ($millions) | 3.8249% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8274% | 195 |
| Loan loss allowance to noncurrent loans | 709.7540% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 3,469 |
| Noncurrent loans to loans | 0.3984% | 3,601 |
| Net loans and leases to total assets | 69.6209% | 2,580 |
| Net loans and leases to deposits | 80.0934% | 2,901 |
| Net loans and leases to core deposits | 84.4882% | 3,015 |
| Total domestic deposits to total assets | 86.9246% | 1,981 |
| Equity capital to assets | 12.8628% | 1,436 |
| Core capital (leverage) ratio | 12.5883% | 1,336 |
| Tier 1 risk-based capital ratio | 15.8308% | 2,571 |
| Total risk-based capital ratio | 17.0962% | 2,506 |
| Memoranda: | ||
| Average total assets | $423,502,000 | 1,639 |
| Average earning assets | $402,655,330 | 1,604 |
| Average equity | $50,697,330 | 1,523 |
| Average total loans | $296,178,670 | 1,595 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 2,325 |
| Cost of funding earning assets | 0.2499% | 4,539 |
| Net interest margin | 3.9349% | 1,654 |
| Noninterest income to average assets | 0.3592% | 3,964 |
| Noninterest expense to average assets | 2.3391% | 4,290 |
| Loan and lease loss provision to assets | 0.2333% | 660 |
| Net operating income to assets | 1.4518% | 892 |
| Return on assets (ROA) | 1.4518% | 914 |
| Pretax return on assets | 1.5180% | 1,478 |
| Return on Equity (ROE) | 12.5792% | 1,093 |
| Retained earnings to average equity (ytd only) | 12.5792% | 416 |
| Net charge-offs to loans | -0.0216% | 4,781 |
| Credit loss provision to net charge-offs | -1,562.5000% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1852% | 4,817 |
| Assets per employee ($millions) | 3.9741% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7883% | 225 |
| Loan loss allowance to noncurrent loans | 194.3035% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 1,553 |
| Noncurrent loans to loans | 1.4350% | 1,408 |
| Net loans and leases to total assets | 66.5595% | 2,889 |
| Net loans and leases to deposits | 75.6915% | 3,233 |
| Net loans and leases to core deposits | 79.4477% | 3,346 |
| Total domestic deposits to total assets | 87.9353% | 1,752 |
| Equity capital to assets | 11.8820% | 1,923 |
| Core capital (leverage) ratio | 11.7684% | 1,774 |
| Tier 1 risk-based capital ratio | 15.1792% | 2,886 |
| Total risk-based capital ratio | 16.4434% | 2,811 |
| Memoranda: | ||
| Average total assets | $428,708,000 | 1,640 |
| Average earning assets | $406,519,500 | 1,603 |
| Average equity | $49,478,500 | 1,549 |
| Average total loans | $296,285,500 | 1,599 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 2,947 |
| Cost of funding earning assets | 0.2259% | 4,775 |
| Net interest margin | 3.8456% | 2,155 |
| Noninterest income to average assets | 0.5096% | 3,173 |
| Noninterest expense to average assets | 2.4015% | 4,295 |
| Loan and lease loss provision to assets | 0.1066% | 2,271 |
| Net operating income to assets | 1.5927% | 692 |
| Return on assets (ROA) | 1.6268% | 666 |
| Pretax return on assets | 1.6962% | 1,008 |
| Return on Equity (ROE) | 14.2276% | 740 |
| Retained earnings to average equity (ytd only) | -3.8186% | 5,625 |
| Net charge-offs to loans | -0.1639% | 5,705 |
| Credit loss provision to net charge-offs | -95.1417% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7157% | 5,088 |
| Assets per employee ($millions) | 3.9290% | 4,099 |
| Cash dividends to net income (ytd only)* | 126.8395% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6050% | 278 |
| Loan loss allowance to noncurrent loans | 186.3313% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 1,617 |
| Noncurrent loans to loans | 1.3980% | 1,459 |
| Net loans and leases to total assets | 67.9268% | 2,779 |
| Net loans and leases to deposits | 76.6438% | 3,244 |
| Net loans and leases to core deposits | 80.1970% | 3,377 |
| Total domestic deposits to total assets | 88.6266% | 1,308 |
| Equity capital to assets | 11.2061% | 2,413 |
| Core capital (leverage) ratio | 11.4315% | 1,985 |
| Tier 1 risk-based capital ratio | 14.5901% | 3,157 |
| Total risk-based capital ratio | 15.8535% | 3,084 |
| Memoranda: | ||
| Average total assets | $441,105,200 | 1,534 |
| Average earning assets | $419,698,200 | 1,501 |
| Average equity | $50,437,200 | 1,508 |
| Average total loans | $301,335,800 | 1,509 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,104 |
| Cost of funding earning assets | 0.2262% | 4,822 |
| Net interest margin | 3.8049% | 2,312 |
| Noninterest income to average assets | 0.5456% | 2,940 |
| Noninterest expense to average assets | 2.3927% | 4,300 |
| Loan and lease loss provision to assets | 0.0361% | 3,525 |
| Net operating income to assets | 1.6671% | 638 |
| Return on assets (ROA) | 1.7485% | 571 |
| Pretax return on assets | 1.8291% | 844 |
| Return on Equity (ROE) | 15.2180% | 643 |
| Retained earnings to average equity (ytd only) | -3.3713% | 5,670 |
| Net charge-offs to loans | -0.1327% | 5,663 |
| Credit loss provision to net charge-offs | -40.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8285% | 5,170 |
| Assets per employee ($millions) | 4.0793% | 3,823 |
| Cash dividends to net income (ytd only)* | 122.1534% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4128% | 370 |
| Loan loss allowance to noncurrent loans | 169.5198% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2191% | 1,628 |
| Noncurrent loans to loans | 1.4233% | 1,527 |
| Net loans and leases to total assets | 69.6699% | 2,538 |
| Net loans and leases to deposits | 79.3055% | 3,050 |
| Net loans and leases to core deposits | 85.4949% | 2,991 |
| Total domestic deposits to total assets | 87.8500% | 1,479 |
| Equity capital to assets | 11.9355% | 2,161 |
| Core capital (leverage) ratio | 11.6413% | 1,928 |
| Tier 1 risk-based capital ratio | 14.6104% | 3,227 |
| Total risk-based capital ratio | 15.8714% | 3,166 |
| Memoranda: | ||
| Average total assets | $443,333,500 | 1,530 |
| Average earning assets | $422,672,750 | 1,492 |
| Average equity | $50,938,500 | 1,500 |
| Average total loans | $301,313,250 | 1,516 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,354 |
| Cost of funding earning assets | 0.2236% | 4,906 |
| Net interest margin | 3.7440% | 2,536 |
| Noninterest income to average assets | 0.3758% | 4,061 |
| Noninterest expense to average assets | 2.2415% | 4,750 |
| Loan and lease loss provision to assets | 0.0534% | 3,081 |
| Net operating income to assets | 1.5754% | 765 |
| Return on assets (ROA) | 1.6958% | 619 |
| Pretax return on assets | 1.7736% | 931 |
| Return on Equity (ROE) | 14.9414% | 678 |
| Retained earnings to average equity (ytd only) | -3.0917% | 5,645 |
| Net charge-offs to loans | -0.1596% | 5,761 |
| Credit loss provision to net charge-offs | -50.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4967% | 5,087 |
| Assets per employee ($millions) | 3.9504% | 3,996 |
| Cash dividends to net income (ytd only)* | 120.6924% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 421 |
| Loan loss allowance to noncurrent loans | 163.5379% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 1,653 |
| Noncurrent loans to loans | 1.4443% | 1,534 |
| Net loans and leases to total assets | 68.9484% | 2,641 |
| Net loans and leases to deposits | 78.3110% | 3,119 |
| Net loans and leases to core deposits | 85.1087% | 2,973 |
| Total domestic deposits to total assets | 88.0444% | 1,413 |
| Equity capital to assets | 11.7582% | 2,306 |
| Core capital (leverage) ratio | 11.3708% | 2,083 |
| Tier 1 risk-based capital ratio | 14.3409% | 3,410 |
| Total risk-based capital ratio | 15.6012% | 3,330 |
| Memoranda: | ||
| Average total assets | $449,695,330 | 1,521 |
| Average earning assets | $428,472,670 | 1,482 |
| Average equity | $51,039,330 | 1,507 |
| Average total loans | $300,790,670 | 1,518 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 3,862 |
| Cost of funding earning assets | 0.2211% | 4,988 |
| Net interest margin | 3.6022% | 3,073 |
| Noninterest income to average assets | 0.3674% | 4,094 |
| Noninterest expense to average assets | 2.0889% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6375% | 655 |
| Return on assets (ROA) | 1.6375% | 693 |
| Pretax return on assets | 1.7128% | 1,044 |
| Return on Equity (ROE) | 14.6790% | 722 |
| Retained earnings to average equity (ytd only) | -7.3160% | 5,730 |
| Net charge-offs to loans | -0.3412% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6019% | 5,325 |
| Assets per employee ($millions) | 4.0477% | 3,867 |
| Cash dividends to net income (ytd only)* | 149.8397% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4087% | 435 |
| Loan loss allowance to noncurrent loans | 136.4540% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 1,734 |
| Noncurrent loans to loans | 1.7652% | 1,254 |
| Net loans and leases to total assets | 64.9898% | 3,109 |
| Net loans and leases to deposits | 73.5109% | 3,502 |
| Net loans and leases to core deposits | 78.5842% | 3,439 |
| Total domestic deposits to total assets | 88.4085% | 1,404 |
| Equity capital to assets | 11.4246% | 2,511 |
| Core capital (leverage) ratio | 11.1300% | 2,284 |
| Tier 1 risk-based capital ratio | 14.4086% | 3,439 |
| Total risk-based capital ratio | 15.6685% | 3,371 |
| Memoranda: | ||
| Average total assets | $457,269,000 | 1,498 |
| Average earning assets | $435,961,000 | 1,464 |
| Average equity | $51,011,500 | 1,507 |
| Average total loans | $297,755,000 | 1,525 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 4,212 |
| Cost of funding earning assets | 0.1799% | 5,457 |
| Net interest margin | 3.5655% | 3,259 |
| Noninterest income to average assets | 0.3863% | 4,146 |
| Noninterest expense to average assets | 2.2591% | 4,902 |
| Loan and lease loss provision to assets | 0.1093% | 2,170 |
| Net operating income to assets | 1.3411% | 1,175 |
| Return on assets (ROA) | 1.3411% | 1,212 |
| Pretax return on assets | 1.3997% | 1,904 |
| Return on Equity (ROE) | 11.6466% | 1,392 |
| Retained earnings to average equity (ytd only) | -4.8329% | 5,910 |
| Net charge-offs to loans | 0.1674% | 1,689 |
| Credit loss provision to net charge-offs | 100.1996% | 2,498 |
| Earnings coverage of net charge-offs (x) | 13.8383% | 2,344 |
| Efficiency ratio | 59.5968% | 4,966 |
| Assets per employee ($millions) | 4.3859% | 3,242 |
| Cash dividends to net income (ytd only)* | 141.4963% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 506 |
| Loan loss allowance to noncurrent loans | 120.5882% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 1,732 |
| Noncurrent loans to loans | 1.9104% | 1,118 |
| Net loans and leases to total assets | 62.2459% | 3,523 |
| Net loans and leases to deposits | 69.9877% | 3,925 |
| Net loans and leases to core deposits | 75.6294% | 3,788 |
| Total domestic deposits to total assets | 88.9384% | 1,146 |
| Equity capital to assets | 10.9005% | 2,935 |
| Core capital (leverage) ratio | 11.1897% | 2,225 |
| Tier 1 risk-based capital ratio | 14.8059% | 3,269 |
| Total risk-based capital ratio | 16.0652% | 3,202 |
| Memoranda: | ||
| Average total assets | $459,466,400 | 1,461 |
| Average earning assets | $435,787,600 | 1,433 |
| Average equity | $52,908,200 | 1,409 |
| Average total loans | $299,206,200 | 1,471 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,202 |
| Cost of funding earning assets | 0.1763% | 5,583 |
| Net interest margin | 3.5884% | 3,205 |
| Noninterest income to average assets | 0.3976% | 4,101 |
| Noninterest expense to average assets | 2.2380% | 4,945 |
| Loan and lease loss provision to assets | 0.0438% | 3,342 |
| Net operating income to assets | 1.4511% | 1,008 |
| Return on assets (ROA) | 1.4511% | 1,049 |
| Pretax return on assets | 1.5177% | 1,638 |
| Return on Equity (ROE) | 12.4316% | 1,260 |
| Retained earnings to average equity (ytd only) | -9.3600% | 6,116 |
| Net charge-offs to loans | 0.0601% | 2,738 |
| Credit loss provision to net charge-offs | 111.1111% | 2,101 |
| Earnings coverage of net charge-offs (x) | 39.6434% | 1,254 |
| Efficiency ratio | 58.5503% | 5,057 |
| Assets per employee ($millions) | 4.0210% | 3,845 |
| Cash dividends to net income (ytd only)* | 175.2916% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3564% | 534 |
| Loan loss allowance to noncurrent loans | 106.0052% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4330% | 1,590 |
| Noncurrent loans to loans | 2.2229% | 983 |
| Net loans and leases to total assets | 62.9454% | 3,464 |
| Net loans and leases to deposits | 70.9473% | 3,884 |
| Net loans and leases to core deposits | 76.9418% | 3,699 |
| Total domestic deposits to total assets | 88.7213% | 1,166 |
| Equity capital to assets | 11.0793% | 2,924 |
| Core capital (leverage) ratio | 11.0177% | 2,470 |
| Tier 1 risk-based capital ratio | 14.9440% | 3,319 |
| Total risk-based capital ratio | 16.2042% | 3,263 |
| Memoranda: | ||
| Average total assets | $457,010,500 | 1,478 |
| Average earning assets | $433,233,000 | 1,442 |
| Average equity | $53,346,500 | 1,407 |
| Average total loans | $299,257,250 | 1,482 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,125 |
| Cost of funding earning assets | 0.1757% | 5,648 |
| Net interest margin | 3.6060% | 3,067 |
| Noninterest income to average assets | 0.4014% | 4,074 |
| Noninterest expense to average assets | 2.2158% | 5,067 |
| Loan and lease loss provision to assets | 0.0655% | 2,810 |
| Net operating income to assets | 1.4676% | 953 |
| Return on assets (ROA) | 1.4676% | 1,005 |
| Pretax return on assets | 1.5349% | 1,539 |
| Return on Equity (ROE) | 12.3647% | 1,266 |
| Retained earnings to average equity (ytd only) | 2.3589% | 4,556 |
| Net charge-offs to loans | -0.0073% | 4,842 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7086% | 5,256 |
| Assets per employee ($millions) | 4.0987% | 3,685 |
| Cash dividends to net income (ytd only)* | 80.9226% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3874% | 562 |
| Loan loss allowance to noncurrent loans | 117.9582% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 1,876 |
| Noncurrent loans to loans | 2.0239% | 1,199 |
| Net loans and leases to total assets | 64.5022% | 3,195 |
| Net loans and leases to deposits | 73.5770% | 3,543 |
| Net loans and leases to core deposits | 80.3728% | 3,346 |
| Total domestic deposits to total assets | 87.6662% | 1,803 |
| Equity capital to assets | 12.1659% | 1,908 |
| Core capital (leverage) ratio | 11.9982% | 1,663 |
| Tier 1 risk-based capital ratio | 16.0307% | 2,839 |
| Total risk-based capital ratio | 17.2912% | 2,791 |
| Memoranda: | ||
| Average total assets | $457,890,670 | 1,483 |
| Average earning assets | $433,615,000 | 1,444 |
| Average equity | $54,348,330 | 1,388 |
| Average total loans | $301,374,000 | 1,472 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,294 |
| Cost of funding earning assets | 0.1742% | 5,729 |
| Net interest margin | 3.5467% | 3,236 |
| Noninterest income to average assets | 0.4117% | 3,908 |
| Noninterest expense to average assets | 2.1189% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5751% | 742 |
| Return on assets (ROA) | 1.5751% | 777 |
| Pretax return on assets | 1.6493% | 1,157 |
| Return on Equity (ROE) | 13.4323% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.4961% | 3,899 |
| Net charge-offs to loans | -0.0145% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8864% | 5,523 |
| Assets per employee ($millions) | 4.1150% | 3,733 |
| Cash dividends to net income (ytd only)* | 73.9726% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 714 |
| Loan loss allowance to noncurrent loans | 389.7175% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,478 |
| Noncurrent loans to loans | 0.5873% | 3,819 |
| Net loans and leases to total assets | 63.8994% | 3,102 |
| Net loans and leases to deposits | 72.6530% | 3,473 |
| Net loans and leases to core deposits | 78.2554% | 3,352 |
| Total domestic deposits to total assets | 87.9516% | 1,856 |
| Equity capital to assets | 11.8785% | 2,121 |
| Core capital (leverage) ratio | 11.6843% | 1,863 |
| Tier 1 risk-based capital ratio | 15.3738% | 3,211 |
| Total risk-based capital ratio | 16.5537% | 3,192 |
| Memoranda: | ||
| Average total assets | $463,457,500 | 1,470 |
| Average earning assets | $438,609,000 | 1,435 |
| Average equity | $54,346,500 | 1,402 |
| Average total loans | $304,453,000 | 1,459 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,485 |
| Cost of funding earning assets | 0.1791% | 5,916 |
| Net interest margin | 3.6241% | 3,320 |
| Noninterest income to average assets | 0.3648% | 4,481 |
| Noninterest expense to average assets | 2.1539% | 5,446 |
| Loan and lease loss provision to assets | 0.1315% | 1,991 |
| Net operating income to assets | 1.4425% | 996 |
| Return on assets (ROA) | 1.4434% | 1,026 |
| Pretax return on assets | 1.5032% | 1,530 |
| Return on Equity (ROE) | 12.5772% | 1,241 |
| Retained earnings to average equity (ytd only) | 3.9337% | 3,414 |
| Net charge-offs to loans | 0.0373% | 4,089 |
| Credit loss provision to net charge-offs | 539.2857% | 493 |
| Earnings coverage of net charge-offs (x) | 66.9911% | 730 |
| Efficiency ratio | 56.5080% | 5,620 |
| Assets per employee ($millions) | 4.2755% | 3,412 |
| Cash dividends to net income (ytd only)* | 68.7236% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2396% | 781 |
| Loan loss allowance to noncurrent loans | 253.0125% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 3,832 |
| Noncurrent loans to loans | 0.8852% | 3,102 |
| Net loans and leases to total assets | 64.5062% | 3,143 |
| Net loans and leases to deposits | 73.1096% | 3,542 |
| Net loans and leases to core deposits | 78.0776% | 3,512 |
| Total domestic deposits to total assets | 88.2322% | 1,645 |
| Equity capital to assets | 11.5758% | 2,368 |
| Core capital (leverage) ratio | 11.6650% | 1,850 |
| Tier 1 risk-based capital ratio | 15.7869% | 3,069 |
| Total risk-based capital ratio | 17.0468% | 3,005 |
| Memoranda: | ||
| Average total assets | $459,207,400 | 1,454 |
| Average earning assets | $433,730,400 | 1,417 |
| Average equity | $52,698,600 | 1,388 |
| Average total loans | $299,945,200 | 1,428 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,634 |
| Cost of funding earning assets | 0.1820% | 5,980 |
| Net interest margin | 3.5942% | 3,451 |
| Noninterest income to average assets | 0.3622% | 4,532 |
| Noninterest expense to average assets | 2.1455% | 5,474 |
| Loan and lease loss provision to assets | 0.1454% | 1,721 |
| Net operating income to assets | 1.4071% | 1,116 |
| Return on assets (ROA) | 1.4082% | 1,156 |
| Pretax return on assets | 1.4679% | 1,743 |
| Return on Equity (ROE) | 12.2980% | 1,399 |
| Retained earnings to average equity (ytd only) | 3.6497% | 4,052 |
| Net charge-offs to loans | 0.0819% | 3,027 |
| Credit loss provision to net charge-offs | 272.6776% | 985 |
| Earnings coverage of net charge-offs (x) | 30.2300% | 1,365 |
| Efficiency ratio | 56.7396% | 5,585 |
| Assets per employee ($millions) | 4.1995% | 3,487 |
| Cash dividends to net income (ytd only)* | 70.3227% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 938 |
| Loan loss allowance to noncurrent loans | 184.0647% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 3,378 |
| Noncurrent loans to loans | 1.1983% | 2,651 |
| Net loans and leases to total assets | 65.6059% | 2,937 |
| Net loans and leases to deposits | 74.4945% | 3,373 |
| Net loans and leases to core deposits | 79.8492% | 3,326 |
| Total domestic deposits to total assets | 88.0681% | 1,725 |
| Equity capital to assets | 11.7235% | 2,291 |
| Core capital (leverage) ratio | 11.7400% | 1,875 |
| Tier 1 risk-based capital ratio | 15.8073% | 3,155 |
| Total risk-based capital ratio | 17.0668% | 3,091 |
| Memoranda: | ||
| Average total assets | $457,501,000 | 1,468 |
| Average earning assets | $432,205,000 | 1,431 |
| Average equity | $52,386,500 | 1,401 |
| Average total loans | $298,054,750 | 1,438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,678 |
| Cost of funding earning assets | 0.1846% | 6,038 |
| Net interest margin | 3.5689% | 3,495 |
| Noninterest income to average assets | 0.3574% | 4,559 |
| Noninterest expense to average assets | 2.1381% | 5,543 |
| Loan and lease loss provision to assets | 0.1395% | 1,777 |
| Net operating income to assets | 1.3824% | 1,102 |
| Return on assets (ROA) | 1.3849% | 1,142 |
| Pretax return on assets | 1.4450% | 1,732 |
| Return on Equity (ROE) | 12.1900% | 1,369 |
| Retained earnings to average equity (ytd only) | 2.9122% | 4,351 |
| Net charge-offs to loans | 0.0250% | 3,699 |
| Credit loss provision to net charge-offs | 864.8649% | 381 |
| Earnings coverage of net charge-offs (x) | 98.0811% | 562 |
| Efficiency ratio | 57.1127% | 5,648 |
| Assets per employee ($millions) | 3.9945% | 3,847 |
| Cash dividends to net income (ytd only)* | 76.1095% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2164% | 1,001 |
| Loan loss allowance to noncurrent loans | 163.8371% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 3,171 |
| Noncurrent loans to loans | 1.3528% | 2,548 |
| Net loans and leases to total assets | 67.6687% | 2,468 |
| Net loans and leases to deposits | 77.1273% | 2,908 |
| Net loans and leases to core deposits | 80.7928% | 3,118 |
| Total domestic deposits to total assets | 87.7363% | 2,065 |
| Equity capital to assets | 12.0756% | 1,927 |
| Core capital (leverage) ratio | 11.6834% | 1,863 |
| Tier 1 risk-based capital ratio | 15.5773% | 3,313 |
| Total risk-based capital ratio | 16.8365% | 3,262 |
| Memoranda: | ||
| Average total assets | $458,818,330 | 1,463 |
| Average earning assets | $432,287,330 | 1,430 |
| Average equity | $52,124,670 | 1,395 |
| Average total loans | $295,984,330 | 1,451 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,919 |
| Cost of funding earning assets | 0.1862% | 6,105 |
| Net interest margin | 3.4929% | 3,731 |
| Noninterest income to average assets | 0.3324% | 4,714 |
| Noninterest expense to average assets | 2.0292% | 5,827 |
| Loan and lease loss provision to assets | 0.0170% | 3,610 |
| Net operating income to assets | 1.5089% | 798 |
| Return on assets (ROA) | 1.5089% | 833 |
| Pretax return on assets | 1.5710% | 1,234 |
| Return on Equity (ROE) | 13.6805% | 1,004 |
| Retained earnings to average equity (ytd only) | 4.6244% | 3,344 |
| Net charge-offs to loans | -0.0423% | 5,737 |
| Credit loss provision to net charge-offs | -64.5161% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7462% | 5,863 |
| Assets per employee ($millions) | 4.4119% | 3,126 |
| Cash dividends to net income (ytd only)* | 66.1972% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2209% | 1,128 |
| Loan loss allowance to noncurrent loans | 311.8529% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 4,776 |
| Noncurrent loans to loans | 0.7122% | 4,091 |
| Net loans and leases to total assets | 60.6831% | 3,446 |
| Net loans and leases to deposits | 68.4920% | 3,801 |
| Net loans and leases to core deposits | 71.1501% | 3,966 |
| Total domestic deposits to total assets | 88.5989% | 1,892 |
| Equity capital to assets | 11.2059% | 2,515 |
| Core capital (leverage) ratio | 11.1482% | 2,267 |
| Tier 1 risk-based capital ratio | 15.7579% | 3,296 |
| Total risk-based capital ratio | 17.0167% | 3,254 |
| Memoranda: | ||
| Average total assets | $470,528,500 | 1,429 |
| Average earning assets | $442,495,000 | 1,395 |
| Average equity | $51,898,500 | 1,396 |
| Average total loans | $293,323,500 | 1,465 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 5,414 |
| Cost of funding earning assets | 0.2190% | 6,185 |
| Net interest margin | 3.3760% | 4,382 |
| Noninterest income to average assets | 0.3318% | 4,960 |
| Noninterest expense to average assets | 2.1060% | 5,819 |
| Loan and lease loss provision to assets | 0.0266% | 4,595 |
| Net operating income to assets | 1.3371% | 1,162 |
| Return on assets (ROA) | 1.3439% | 1,186 |
| Pretax return on assets | 1.4028% | 1,767 |
| Return on Equity (ROE) | 12.2476% | 1,339 |
| Retained earnings to average equity (ytd only) | 3.6647% | 3,612 |
| Net charge-offs to loans | 0.0260% | 4,898 |
| Credit loss provision to net charge-offs | 172.2222% | 1,327 |
| Earnings coverage of net charge-offs (x) | 91.9167% | 492 |
| Efficiency ratio | 59.2130% | 5,573 |
| Assets per employee ($millions) | 4.3431% | 3,189 |
| Cash dividends to net income (ytd only)* | 70.0784% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1575% | 1,242 |
| Loan loss allowance to noncurrent loans | 305.1050% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 4,882 |
| Noncurrent loans to loans | 0.7071% | 4,204 |
| Net loans and leases to total assets | 61.2626% | 3,488 |
| Net loans and leases to deposits | 68.8795% | 3,921 |
| Net loans and leases to core deposits | 72.1452% | 4,051 |
| Total domestic deposits to total assets | 88.9417% | 1,668 |
| Equity capital to assets | 10.8559% | 2,754 |
| Core capital (leverage) ratio | 11.0947% | 2,298 |
| Tier 1 risk-based capital ratio | 15.1512% | 3,579 |
| Total risk-based capital ratio | 16.4092% | 3,517 |
| Memoranda: | ||
| Average total assets | $465,291,600 | 1,422 |
| Average earning assets | $440,549,200 | 1,377 |
| Average equity | $51,055,000 | 1,392 |
| Average total loans | $276,644,200 | 1,526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 5,477 |
| Cost of funding earning assets | 0.2262% | 6,252 |
| Net interest margin | 3.3604% | 4,429 |
| Noninterest income to average assets | 0.3267% | 5,074 |
| Noninterest expense to average assets | 2.1142% | 5,798 |
| Loan and lease loss provision to assets | 0.0357% | 4,305 |
| Net operating income to assets | 1.3076% | 1,336 |
| Return on assets (ROA) | 1.3167% | 1,365 |
| Pretax return on assets | 1.3717% | 2,034 |
| Return on Equity (ROE) | 11.9673% | 1,482 |
| Retained earnings to average equity (ytd only) | 3.3378% | 4,304 |
| Net charge-offs to loans | 0.0417% | 4,317 |
| Credit loss provision to net charge-offs | 145.8824% | 1,615 |
| Earnings coverage of net charge-offs (x) | 57.1414% | 786 |
| Efficiency ratio | 59.6820% | 5,478 |
| Assets per employee ($millions) | 4.2451% | 3,340 |
| Cash dividends to net income (ytd only)* | 72.1093% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2490% | 1,255 |
| Loan loss allowance to noncurrent loans | 337.4934% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 5,131 |
| Noncurrent loans to loans | 0.6664% | 4,534 |
| Net loans and leases to total assets | 60.5042% | 3,620 |
| Net loans and leases to deposits | 68.1750% | 4,041 |
| Net loans and leases to core deposits | 71.5330% | 4,145 |
| Total domestic deposits to total assets | 88.7484% | 1,694 |
| Equity capital to assets | 11.0440% | 2,720 |
| Core capital (leverage) ratio | 11.2284% | 2,268 |
| Tier 1 risk-based capital ratio | 15.4814% | 3,481 |
| Total risk-based capital ratio | 16.7400% | 3,432 |
| Memoranda: | ||
| Average total assets | $463,266,250 | 1,433 |
| Average earning assets | $439,142,500 | 1,389 |
| Average equity | $50,971,000 | 1,402 |
| Average total loans | $271,703,250 | 1,552 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 5,592 |
| Cost of funding earning assets | 0.2337% | 6,279 |
| Net interest margin | 3.3132% | 4,521 |
| Noninterest income to average assets | 0.3184% | 5,161 |
| Noninterest expense to average assets | 2.0845% | 5,898 |
| Loan and lease loss provision to assets | 0.0366% | 4,219 |
| Net operating income to assets | 1.2908% | 1,349 |
| Return on assets (ROA) | 1.3027% | 1,401 |
| Pretax return on assets | 1.3570% | 2,094 |
| Return on Equity (ROE) | 11.8551% | 1,538 |
| Retained earnings to average equity (ytd only) | 3.3514% | 4,184 |
| Net charge-offs to loans | 0.0411% | 4,101 |
| Credit loss provision to net charge-offs | 154.5455% | 1,494 |
| Earnings coverage of net charge-offs (x) | 58.3636% | 719 |
| Efficiency ratio | 59.5655% | 5,533 |
| Assets per employee ($millions) | 4.0127% | 3,772 |
| Cash dividends to net income (ytd only)* | 71.7305% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3231% | 1,225 |
| Loan loss allowance to noncurrent loans | 295.5937% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 5,038 |
| Noncurrent loans to loans | 0.7859% | 4,341 |
| Net loans and leases to total assets | 59.6227% | 3,730 |
| Net loans and leases to deposits | 67.8489% | 4,037 |
| Net loans and leases to core deposits | 72.0452% | 4,029 |
| Total domestic deposits to total assets | 87.8757% | 2,336 |
| Equity capital to assets | 11.2603% | 2,511 |
| Core capital (leverage) ratio | 11.0074% | 2,345 |
| Tier 1 risk-based capital ratio | 15.2540% | 3,624 |
| Total risk-based capital ratio | 16.5126% | 3,575 |
| Memoranda: | ||
| Average total assets | $464,866,000 | 1,431 |
| Average earning assets | $441,566,000 | 1,384 |
| Average equity | $51,083,670 | 1,401 |
| Average total loans | $267,679,670 | 1,564 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 5,758 |
| Cost of funding earning assets | 0.2365% | 6,369 |
| Net interest margin | 3.2435% | 4,750 |
| Noninterest income to average assets | 0.3089% | 5,217 |
| Noninterest expense to average assets | 2.0110% | 6,085 |
| Loan and lease loss provision to assets | 0.0296% | 4,084 |
| Net operating income to assets | 1.2908% | 1,304 |
| Return on assets (ROA) | 1.2908% | 1,404 |
| Pretax return on assets | 1.3441% | 2,061 |
| Return on Equity (ROE) | 11.8856% | 1,458 |
| Retained earnings to average equity (ytd only) | 3.8735% | 3,915 |
| Net charge-offs to loans | 0.0257% | 3,671 |
| Credit loss provision to net charge-offs | 205.8824% | 1,061 |
| Earnings coverage of net charge-offs (x) | 95.4706% | 399 |
| Efficiency ratio | 58.6147% | 5,766 |
| Assets per employee ($millions) | 4.3221% | 3,295 |
| Cash dividends to net income (ytd only)* | 67.4098% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4517% | 1,175 |
| Loan loss allowance to noncurrent loans | 275.6066% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 5,125 |
| Noncurrent loans to loans | 0.8896% | 4,360 |
| Net loans and leases to total assets | 54.2201% | 4,371 |
| Net loans and leases to deposits | 61.1030% | 4,670 |
| Net loans and leases to core deposits | 65.2191% | 4,631 |
| Total domestic deposits to total assets | 88.7355% | 1,845 |
| Equity capital to assets | 11.0467% | 2,907 |
| Core capital (leverage) ratio | 10.5230% | 2,746 |
| Tier 1 risk-based capital ratio | 15.6874% | 3,435 |
| Total risk-based capital ratio | 16.9469% | 3,392 |
| Memoranda: | ||
| Average total assets | $472,590,000 | 1,417 |
| Average earning assets | $448,157,000 | 1,377 |
| Average equity | $51,322,500 | 1,412 |
| Average total loans | $264,355,500 | 1,590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 5,831 |
| Cost of funding earning assets | 0.2820% | 6,540 |
| Net interest margin | 3.5134% | 4,441 |
| Noninterest income to average assets | 0.3591% | 4,909 |
| Noninterest expense to average assets | 2.2316% | 5,854 |
| Loan and lease loss provision to assets | 0.0770% | 4,747 |
| Net operating income to assets | 1.3061% | 1,281 |
| Return on assets (ROA) | 1.3057% | 1,427 |
| Pretax return on assets | 1.3627% | 2,166 |
| Return on Equity (ROE) | 11.8899% | 1,538 |
| Retained earnings to average equity (ytd only) | 5.0096% | 2,695 |
| Net charge-offs to loans | 0.1079% | 4,589 |
| Credit loss provision to net charge-offs | 127.7978% | 2,202 |
| Earnings coverage of net charge-offs (x) | 23.8917% | 1,199 |
| Efficiency ratio | 59.6219% | 5,596 |
| Assets per employee ($millions) | 4.1600% | 3,637 |
| Cash dividends to net income (ytd only)* | 57.8667% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3557% | 1,300 |
| Loan loss allowance to noncurrent loans | 309.2638% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 5,377 |
| Noncurrent loans to loans | 0.7617% | 4,661 |
| Net loans and leases to total assets | 54.9579% | 4,458 |
| Net loans and leases to deposits | 61.7037% | 4,815 |
| Net loans and leases to core deposits | 65.6333% | 4,777 |
| Total domestic deposits to total assets | 89.0674% | 1,517 |
| Equity capital to assets | 10.6775% | 3,315 |
| Core capital (leverage) ratio | 10.5217% | 2,737 |
| Tier 1 risk-based capital ratio | 15.2667% | 3,567 |
| Total risk-based capital ratio | 16.5255% | 3,512 |
| Memoranda: | ||
| Average total assets | $459,539,400 | 1,431 |
| Average earning assets | $433,289,200 | 1,391 |
| Average equity | $50,463,200 | 1,399 |
| Average total loans | $256,807,000 | 1,611 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 5,941 |
| Cost of funding earning assets | 0.2945% | 6,641 |
| Net interest margin | 3.5406% | 4,489 |
| Noninterest income to average assets | 0.3694% | 4,880 |
| Noninterest expense to average assets | 2.2411% | 5,848 |
| Loan and lease loss provision to assets | 0.0548% | 5,059 |
| Net operating income to assets | 1.3575% | 1,312 |
| Return on assets (ROA) | 1.3570% | 1,451 |
| Pretax return on assets | 1.4136% | 2,189 |
| Return on Equity (ROE) | 12.2679% | 1,545 |
| Retained earnings to average equity (ytd only) | 5.8994% | 2,763 |
| Net charge-offs to loans | 0.0615% | 4,805 |
| Credit loss provision to net charge-offs | 159.8291% | 1,749 |
| Earnings coverage of net charge-offs (x) | 42.8280% | 835 |
| Efficiency ratio | 59.2525% | 5,620 |
| Assets per employee ($millions) | 3.9310% | 4,014 |
| Cash dividends to net income (ytd only)* | 51.9118% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 1,353 |
| Loan loss allowance to noncurrent loans | 259.8852% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 5,237 |
| Noncurrent loans to loans | 0.9251% | 4,582 |
| Net loans and leases to total assets | 57.9014% | 4,152 |
| Net loans and leases to deposits | 65.6752% | 4,510 |
| Net loans and leases to core deposits | 71.2451% | 4,346 |
| Total domestic deposits to total assets | 88.1632% | 1,948 |
| Equity capital to assets | 11.5586% | 2,692 |
| Core capital (leverage) ratio | 10.8063% | 2,591 |
| Tier 1 risk-based capital ratio | 15.5947% | 3,481 |
| Total risk-based capital ratio | 16.8543% | 3,438 |
| Memoranda: | ||
| Average total assets | $454,825,000 | 1,463 |
| Average earning assets | $429,141,750 | 1,421 |
| Average equity | $50,308,750 | 1,420 |
| Average total loans | $253,693,750 | 1,644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 6,147 |
| Cost of funding earning assets | 0.3033% | 6,726 |
| Net interest margin | 3.4936% | 4,695 |
| Noninterest income to average assets | 0.3901% | 4,726 |
| Noninterest expense to average assets | 2.1385% | 6,162 |
| Loan and lease loss provision to assets | 0.0816% | 4,579 |
| Net operating income to assets | 1.3980% | 1,198 |
| Return on assets (ROA) | 1.3980% | 1,339 |
| Pretax return on assets | 1.4565% | 1,988 |
| Return on Equity (ROE) | 12.8253% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.2980% | 1,525 |
| Net charge-offs to loans | 0.1422% | 3,780 |
| Credit loss provision to net charge-offs | 105.0562% | 2,586 |
| Earnings coverage of net charge-offs (x) | 19.8034% | 1,415 |
| Efficiency ratio | 57.0021% | 6,002 |
| Assets per employee ($millions) | 4.0039% | 3,862 |
| Cash dividends to net income (ytd only)* | 35.2996% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3900% | 1,432 |
| Loan loss allowance to noncurrent loans | 205.4010% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 5,046 |
| Noncurrent loans to loans | 1.1636% | 4,214 |
| Net loans and leases to total assets | 56.6427% | 4,375 |
| Net loans and leases to deposits | 63.9989% | 4,766 |
| Net loans and leases to core deposits | 68.4001% | 4,738 |
| Total domestic deposits to total assets | 88.5057% | 1,810 |
| Equity capital to assets | 11.2438% | 2,849 |
| Core capital (leverage) ratio | 10.8363% | 2,449 |
| Tier 1 risk-based capital ratio | 15.3117% | 3,571 |
| Total risk-based capital ratio | 16.5706% | 3,525 |
| Memoranda: | ||
| Average total assets | $458,364,330 | 1,450 |
| Average earning assets | $431,188,670 | 1,417 |
| Average equity | $49,963,670 | 1,421 |
| Average total loans | $250,412,330 | 1,658 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 6,329 |
| Cost of funding earning assets | 0.3206% | 6,775 |
| Net interest margin | 3.4364% | 4,976 |
| Noninterest income to average assets | 0.3694% | 4,915 |
| Noninterest expense to average assets | 2.1625% | 6,129 |
| Loan and lease loss provision to assets | 0.0694% | 4,543 |
| Net operating income to assets | 1.3075% | 1,439 |
| Return on assets (ROA) | 1.3075% | 1,609 |
| Pretax return on assets | 1.3622% | 2,322 |
| Return on Equity (ROE) | 12.1835% | 1,619 |
| Retained earnings to average equity (ytd only) | 12.1835% | 798 |
| Net charge-offs to loans | 0.1244% | 3,362 |
| Credit loss provision to net charge-offs | 105.2632% | 2,194 |
| Earnings coverage of net charge-offs (x) | 21.7237% | 1,147 |
| Efficiency ratio | 58.9867% | 5,772 |
| Assets per employee ($millions) | 3.9852% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5944% | 1,234 |
| Loan loss allowance to noncurrent loans | 212.6144% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 5,025 |
| Noncurrent loans to loans | 1.2202% | 4,295 |
| Net loans and leases to total assets | 51.8156% | 5,047 |
| Net loans and leases to deposits | 58.4299% | 5,334 |
| Net loans and leases to core deposits | 61.9387% | 5,336 |
| Total domestic deposits to total assets | 88.6800% | 1,897 |
| Equity capital to assets | 11.0702% | 2,827 |
| Core capital (leverage) ratio | 10.5171% | 2,730 |
| Tier 1 risk-based capital ratio | 16.1155% | 3,114 |
| Total risk-based capital ratio | 17.3762% | 3,077 |
| Memoranda: | ||
| Average total assets | $461,325,000 | 1,444 |
| Average earning assets | $432,896,500 | 1,412 |
| Average equity | $49,509,500 | 1,427 |
| Average total loans | $244,343,000 | 1,694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 6,143 |
| Cost of funding earning assets | 0.5289% | 6,421 |
| Net interest margin | 3.6395% | 4,567 |
| Noninterest income to average assets | 0.3642% | 4,899 |
| Noninterest expense to average assets | 2.3334% | 5,965 |
| Loan and lease loss provision to assets | 0.1128% | 5,179 |
| Net operating income to assets | 1.2842% | 1,286 |
| Return on assets (ROA) | 1.2842% | 1,388 |
| Pretax return on assets | 1.3369% | 1,994 |
| Return on Equity (ROE) | 11.9405% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.3462% | 973 |
| Net charge-offs to loans | 0.1646% | 4,835 |
| Credit loss provision to net charge-offs | 126.3708% | 2,460 |
| Earnings coverage of net charge-offs (x) | 16.2350% | 1,346 |
| Efficiency ratio | 60.4770% | 5,673 |
| Assets per employee ($millions) | 4.1446% | 3,562 |
| Cash dividends to net income (ytd only)* | 30.1017% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5367% | 1,269 |
| Loan loss allowance to noncurrent loans | 212.9844% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 4,882 |
| Noncurrent loans to loans | 1.1910% | 4,385 |
| Net loans and leases to total assets | 51.4042% | 5,401 |
| Net loans and leases to deposits | 57.5530% | 5,747 |
| Net loans and leases to core deposits | 61.3529% | 5,720 |
| Total domestic deposits to total assets | 89.3163% | 1,357 |
| Equity capital to assets | 10.4040% | 3,648 |
| Core capital (leverage) ratio | 10.6888% | 2,533 |
| Tier 1 risk-based capital ratio | 15.5453% | 3,299 |
| Total risk-based capital ratio | 16.8058% | 3,247 |
| Memoranda: | ||
| Average total assets | $428,900,400 | 1,519 |
| Average earning assets | $402,916,200 | 1,480 |
| Average equity | $46,128,800 | 1,480 |
| Average total loans | $232,705,200 | 1,793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 6,163 |
| Cost of funding earning assets | 0.5745% | 6,408 |
| Net interest margin | 3.6445% | 4,597 |
| Noninterest income to average assets | 0.3704% | 4,910 |
| Noninterest expense to average assets | 2.4497% | 5,628 |
| Loan and lease loss provision to assets | 0.1222% | 4,907 |
| Net operating income to assets | 1.1738% | 1,736 |
| Return on assets (ROA) | 1.1738% | 1,851 |
| Pretax return on assets | 1.2237% | 2,546 |
| Return on Equity (ROE) | 10.8149% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.9542% | 2,581 |
| Net charge-offs to loans | 0.2054% | 4,155 |
| Credit loss provision to net charge-offs | 108.7819% | 3,034 |
| Earnings coverage of net charge-offs (x) | 11.9831% | 1,751 |
| Efficiency ratio | 63.3163% | 5,178 |
| Assets per employee ($millions) | 3.7465% | 4,416 |
| Cash dividends to net income (ytd only)* | 44.9444% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6337% | 1,224 |
| Loan loss allowance to noncurrent loans | 213.8026% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 4,857 |
| Noncurrent loans to loans | 1.2319% | 4,480 |
| Net loans and leases to total assets | 53.6312% | 5,226 |
| Net loans and leases to deposits | 65.7052% | 4,947 |
| Net loans and leases to core deposits | 71.4499% | 4,778 |
| Total domestic deposits to total assets | 81.6240% | 5,214 |
| Equity capital to assets | 11.1318% | 3,019 |
| Core capital (leverage) ratio | 10.6583% | 2,702 |
| Tier 1 risk-based capital ratio | 15.7890% | 3,226 |
| Total risk-based capital ratio | 17.0507% | 3,179 |
| Memoranda: | ||
| Average total assets | $419,040,250 | 1,562 |
| Average earning assets | $393,830,500 | 1,517 |
| Average equity | $45,479,500 | 1,499 |
| Average total loans | $229,128,250 | 1,832 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 6,333 |
| Cost of funding earning assets | 0.6144% | 6,385 |
| Net interest margin | 3.5626% | 4,869 |
| Noninterest income to average assets | 0.3809% | 4,835 |
| Noninterest expense to average assets | 2.4883% | 5,589 |
| Loan and lease loss provision to assets | 0.1806% | 4,111 |
| Net operating income to assets | 1.0150% | 2,167 |
| Return on assets (ROA) | 1.0150% | 2,263 |
| Pretax return on assets | 1.0573% | 3,017 |
| Return on Equity (ROE) | 9.4349% | 2,332 |
| Retained earnings to average equity (ytd only) | 2.0316% | 4,962 |
| Net charge-offs to loans | 0.3127% | 3,312 |
| Credit loss provision to net charge-offs | 105.9155% | 2,912 |
| Earnings coverage of net charge-offs (x) | 7.2592% | 2,252 |
| Efficiency ratio | 65.5150% | 4,970 |
| Assets per employee ($millions) | 3.6400% | 4,590 |
| Cash dividends to net income (ytd only)* | 78.4666% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6631% | 1,219 |
| Loan loss allowance to noncurrent loans | 201.2362% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 4,752 |
| Noncurrent loans to loans | 1.3234% | 4,440 |
| Net loans and leases to total assets | 55.9595% | 5,004 |
| Net loans and leases to deposits | 68.0750% | 4,698 |
| Net loans and leases to core deposits | 74.3406% | 4,537 |
| Total domestic deposits to total assets | 82.2027% | 5,097 |
| Equity capital to assets | 11.2117% | 2,757 |
| Core capital (leverage) ratio | 10.3207% | 2,910 |
| Tier 1 risk-based capital ratio | 15.4747% | 3,260 |
| Total risk-based capital ratio | 16.7368% | 3,199 |
| Memoranda: | ||
| Average total assets | $416,353,670 | 1,581 |
| Average earning assets | $390,949,670 | 1,540 |
| Average equity | $44,791,330 | 1,506 |
| Average total loans | $227,086,000 | 1,863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 6,649 |
| Cost of funding earning assets | 0.6482% | 6,387 |
| Net interest margin | 3.3758% | 5,522 |
| Noninterest income to average assets | 0.3787% | 4,884 |
| Noninterest expense to average assets | 2.3214% | 6,133 |
| Loan and lease loss provision to assets | 0.1761% | 3,863 |
| Net operating income to assets | 1.0139% | 2,142 |
| Return on assets (ROA) | 1.0139% | 2,189 |
| Pretax return on assets | 1.0565% | 2,917 |
| Return on Equity (ROE) | 9.6190% | 2,244 |
| Retained earnings to average equity (ytd only) | 2.0298% | 4,919 |
| Net charge-offs to loans | 0.3011% | 2,841 |
| Credit loss provision to net charge-offs | 110.0592% | 2,426 |
| Earnings coverage of net charge-offs (x) | 7.7041% | 1,911 |
| Efficiency ratio | 64.0117% | 5,362 |
| Assets per employee ($millions) | 3.9617% | 3,912 |
| Cash dividends to net income (ytd only)* | 78.8982% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8236% | 1,089 |
| Loan loss allowance to noncurrent loans | 160.9058% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 4,649 |
| Noncurrent loans to loans | 1.7548% | 3,880 |
| Net loans and leases to total assets | 50.6645% | 5,756 |
| Net loans and leases to deposits | 61.7480% | 5,532 |
| Net loans and leases to core deposits | 67.5857% | 5,341 |
| Total domestic deposits to total assets | 82.0504% | 5,292 |
| Equity capital to assets | 10.6592% | 3,027 |
| Core capital (leverage) ratio | 10.0133% | 3,125 |
| Tier 1 risk-based capital ratio | 16.8602% | 2,532 |
| Total risk-based capital ratio | 18.1248% | 2,492 |
| Memoranda: | ||
| Average total assets | $422,508,500 | 1,576 |
| Average earning assets | $397,411,500 | 1,531 |
| Average equity | $44,537,000 | 1,501 |
| Average total loans | $224,485,500 | 1,900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 5,716 |
| Cost of funding earning assets | 0.9202% | 6,082 |
| Net interest margin | 3.8035% | 3,931 |
| Noninterest income to average assets | 0.4130% | 4,795 |
| Noninterest expense to average assets | 2.4745% | 5,882 |
| Loan and lease loss provision to assets | 0.4053% | 3,683 |
| Net operating income to assets | 1.0693% | 1,806 |
| Return on assets (ROA) | 1.0812% | 1,853 |
| Pretax return on assets | 1.1279% | 2,471 |
| Return on Equity (ROE) | 9.8421% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.2401% | 3,598 |
| Net charge-offs to loans | 0.5303% | 3,502 |
| Credit loss provision to net charge-offs | 125.8860% | 3,230 |
| Earnings coverage of net charge-offs (x) | 4.7234% | 2,828 |
| Efficiency ratio | 60.7252% | 5,933 |
| Assets per employee ($millions) | 3.7618% | 4,341 |
| Cash dividends to net income (ytd only)* | 67.0796% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 1,192 |
| Loan loss allowance to noncurrent loans | 270.3947% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 5,451 |
| Noncurrent loans to loans | 0.9912% | 5,080 |
| Net loans and leases to total assets | 52.6642% | 5,825 |
| Net loans and leases to deposits | 61.6355% | 5,881 |
| Net loans and leases to core deposits | 68.3641% | 5,626 |
| Total domestic deposits to total assets | 85.4446% | 3,634 |
| Equity capital to assets | 10.4244% | 3,246 |
| Core capital (leverage) ratio | 10.0674% | 3,009 |
| Tier 1 risk-based capital ratio | 16.2966% | 2,616 |
| Total risk-based capital ratio | 17.5603% | 2,568 |
| Memoranda: | ||
| Average total assets | $403,153,600 | 1,637 |
| Average earning assets | $379,706,800 | 1,588 |
| Average equity | $44,289,400 | 1,511 |
| Average total loans | $244,760,600 | 1,789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 5,522 |
| Cost of funding earning assets | 0.9695% | 6,081 |
| Net interest margin | 3.8673% | 3,670 |
| Noninterest income to average assets | 0.4060% | 4,908 |
| Noninterest expense to average assets | 2.5129% | 5,669 |
| Loan and lease loss provision to assets | 0.4271% | 3,347 |
| Net operating income to assets | 1.0675% | 2,013 |
| Return on assets (ROA) | 1.0836% | 2,063 |
| Pretax return on assets | 1.1285% | 2,739 |
| Return on Equity (ROE) | 9.7310% | 2,237 |
| Retained earnings to average equity (ytd only) | 3.1704% | 4,206 |
| Net charge-offs to loans | 0.5082% | 3,259 |
| Credit loss provision to net charge-offs | 134.5301% | 2,998 |
| Earnings coverage of net charge-offs (x) | 4.8469% | 2,919 |
| Efficiency ratio | 60.8109% | 5,823 |
| Assets per employee ($millions) | 3.5592% | 4,828 |
| Cash dividends to net income (ytd only)* | 67.4195% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5567% | 1,262 |
| Loan loss allowance to noncurrent loans | 215.4708% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 5,230 |
| Noncurrent loans to loans | 1.1866% | 4,868 |
| Net loans and leases to total assets | 57.3218% | 5,362 |
| Net loans and leases to deposits | 70.3016% | 5,103 |
| Net loans and leases to core deposits | 78.5195% | 4,736 |
| Total domestic deposits to total assets | 81.5370% | 5,186 |
| Equity capital to assets | 10.9316% | 3,022 |
| Core capital (leverage) ratio | 10.2705% | 2,955 |
| Tier 1 risk-based capital ratio | 15.8534% | 2,836 |
| Total risk-based capital ratio | 17.1166% | 2,773 |
| Memoranda: | ||
| Average total assets | $397,672,000 | 1,685 |
| Average earning assets | $374,893,000 | 1,632 |
| Average equity | $44,283,750 | 1,514 |
| Average total loans | $248,443,250 | 1,791 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 5,502 |
| Cost of funding earning assets | 1.0024% | 6,127 |
| Net interest margin | 3.8729% | 3,569 |
| Noninterest income to average assets | 0.4215% | 4,741 |
| Noninterest expense to average assets | 2.4805% | 5,790 |
| Loan and lease loss provision to assets | 0.4312% | 3,162 |
| Net operating income to assets | 1.1128% | 1,809 |
| Return on assets (ROA) | 1.1371% | 1,800 |
| Pretax return on assets | 1.1849% | 2,467 |
| Return on Equity (ROE) | 10.1472% | 2,049 |
| Retained earnings to average equity (ytd only) | 4.6136% | 3,136 |
| Net charge-offs to loans | 0.6143% | 2,693 |
| Credit loss provision to net charge-offs | 110.1167% | 3,693 |
| Earnings coverage of net charge-offs (x) | 4.0623% | 3,076 |
| Efficiency ratio | 59.7056% | 6,097 |
| Assets per employee ($millions) | 3.4213% | 5,117 |
| Cash dividends to net income (ytd only)* | 54.5333% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 1,503 |
| Loan loss allowance to noncurrent loans | 166.9587% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 5,158 |
| Noncurrent loans to loans | 1.4105% | 4,591 |
| Net loans and leases to total assets | 61.1853% | 4,843 |
| Net loans and leases to deposits | 75.3885% | 4,444 |
| Net loans and leases to core deposits | 85.9494% | 3,843 |
| Total domestic deposits to total assets | 81.1600% | 5,345 |
| Equity capital to assets | 11.1552% | 2,723 |
| Core capital (leverage) ratio | 10.5231% | 2,613 |
| Tier 1 risk-based capital ratio | 15.1845% | 3,068 |
| Total risk-based capital ratio | 16.4454% | 3,018 |
| Memoranda: | ||
| Average total assets | $393,792,670 | 1,710 |
| Average earning assets | $371,091,000 | 1,666 |
| Average equity | $44,130,330 | 1,512 |
| Average total loans | $250,997,670 | 1,806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 5,635 |
| Cost of funding earning assets | 1.0484% | 6,140 |
| Net interest margin | 3.8134% | 3,734 |
| Noninterest income to average assets | 0.3964% | 4,941 |
| Noninterest expense to average assets | 2.4745% | 5,828 |
| Loan and lease loss provision to assets | 0.4814% | 2,576 |
| Net operating income to assets | 0.9843% | 2,242 |
| Return on assets (ROA) | 0.9843% | 2,304 |
| Pretax return on assets | 1.0242% | 2,994 |
| Return on Equity (ROE) | 8.7626% | 2,575 |
| Retained earnings to average equity (ytd only) | 4.2035% | 3,626 |
| Net charge-offs to loans | 0.7121% | 2,073 |
| Credit loss provision to net charge-offs | 105.1454% | 3,258 |
| Earnings coverage of net charge-offs (x) | 3.2886% | 2,950 |
| Efficiency ratio | 60.9110% | 6,017 |
| Assets per employee ($millions) | 3.4830% | 5,065 |
| Cash dividends to net income (ytd only)* | 52.0291% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3830% | 1,440 |
| Loan loss allowance to noncurrent loans | 138.2798% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 4,633 |
| Noncurrent loans to loans | 1.7233% | 4,158 |
| Net loans and leases to total assets | 62.0038% | 4,753 |
| Net loans and leases to deposits | 73.6506% | 4,799 |
| Net loans and leases to core deposits | 81.3102% | 4,580 |
| Total domestic deposits to total assets | 84.1865% | 4,056 |
| Equity capital to assets | 11.4014% | 2,432 |
| Core capital (leverage) ratio | 10.6342% | 2,513 |
| Tier 1 risk-based capital ratio | 15.3652% | 2,936 |
| Total risk-based capital ratio | 16.6267% | 2,882 |
| Memoranda: | ||
| Average total assets | $390,540,500 | 1,764 |
| Average earning assets | $367,026,000 | 1,716 |
| Average equity | $43,868,500 | 1,530 |
| Average total loans | $251,081,500 | 1,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7171% | 3,019 |
| Cost of funding earning assets | 1.2893% | 6,344 |
| Net interest margin | 4.4278% | 1,352 |
| Noninterest income to average assets | 0.4403% | 4,879 |
| Noninterest expense to average assets | 2.5501% | 5,953 |
| Loan and lease loss provision to assets | 0.5364% | 3,689 |
| Net operating income to assets | 1.4532% | 754 |
| Return on assets (ROA) | 1.4532% | 816 |
| Pretax return on assets | 1.5159% | 1,149 |
| Return on Equity (ROE) | 13.5360% | 863 |
| Retained earnings to average equity (ytd only) | 13.5360% | 135 |
| Net charge-offs to loans | 0.6988% | 3,088 |
| Credit loss provision to net charge-offs | 108.0952% | 5,127 |
| Earnings coverage of net charge-offs (x) | 4.1360% | 3,041 |
| Efficiency ratio | 54.2955% | 7,199 |
| Assets per employee ($millions) | 3.6189% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 1,530 |
| Loan loss allowance to noncurrent loans | 143.8549% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 4,975 |
| Noncurrent loans to loans | 1.5792% | 4,281 |
| Net loans and leases to total assets | 63.5710% | 4,685 |
| Net loans and leases to deposits | 74.8509% | 4,899 |
| Net loans and leases to core deposits | 95.5142% | 4,513 |
| Total domestic deposits to total assets | 84.9301% | 3,585 |
| Equity capital to assets | 11.0675% | 2,656 |
| Core capital (leverage) ratio | 10.1754% | 2,920 |
| Tier 1 risk-based capital ratio | 14.3218% | 3,309 |
| Total risk-based capital ratio | 15.5816% | 3,251 |
| Memoranda: | ||
| Average total assets | $380,886,200 | 1,796 |
| Average earning assets | $358,032,000 | 1,750 |
| Average equity | $40,891,000 | 1,635 |
| Average total loans | $270,444,800 | 1,775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 2,587 |
| Cost of funding earning assets | 1.3319% | 6,461 |
| Net interest margin | 4.5370% | 1,105 |
| Noninterest income to average assets | 0.4249% | 5,091 |
| Noninterest expense to average assets | 2.5646% | 5,838 |
| Loan and lease loss provision to assets | 0.4496% | 3,666 |
| Net operating income to assets | 1.6134% | 650 |
| Return on assets (ROA) | 1.6134% | 698 |
| Pretax return on assets | 1.6805% | 1,010 |
| Return on Equity (ROE) | 15.1507% | 753 |
| Retained earnings to average equity (ytd only) | 15.1507% | 155 |
| Net charge-offs to loans | 0.5530% | 3,026 |
| Credit loss provision to net charge-offs | 112.0599% | 4,530 |
| Earnings coverage of net charge-offs (x) | 5.3090% | 2,863 |
| Efficiency ratio | 53.5284% | 7,288 |
| Assets per employee ($millions) | 3.3668% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1685% | 1,477 |
| Loan loss allowance to noncurrent loans | 118.6811% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 4,457 |
| Noncurrent loans to loans | 1.8272% | 3,876 |
| Net loans and leases to total assets | 68.9330% | 3,728 |
| Net loans and leases to deposits | 81.7584% | 4,069 |
| Net loans and leases to core deposits | 104.8563% | 3,840 |
| Total domestic deposits to total assets | 84.3131% | 3,570 |
| Equity capital to assets | 11.2660% | 2,780 |
| Core capital (leverage) ratio | 10.3041% | 2,970 |
| Tier 1 risk-based capital ratio | 13.5767% | 3,792 |
| Total risk-based capital ratio | 14.8357% | 3,725 |
| Memoranda: | ||
| Average total assets | $377,492,000 | 1,821 |
| Average earning assets | $355,261,250 | 1,773 |
| Average equity | $40,199,500 | 1,686 |
| Average total loans | $273,907,750 | 1,775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 2,416 |
| Cost of funding earning assets | 1.3703% | 6,583 |
| Net interest margin | 4.5703% | 1,017 |
| Noninterest income to average assets | 0.4196% | 5,122 |
| Noninterest expense to average assets | 2.5471% | 5,961 |
| Loan and lease loss provision to assets | 0.4558% | 3,250 |
| Net operating income to assets | 1.6409% | 629 |
| Return on assets (ROA) | 1.6409% | 693 |
| Pretax return on assets | 1.7094% | 994 |
| Return on Equity (ROE) | 15.7152% | 731 |
| Retained earnings to average equity (ytd only) | 15.7152% | 170 |
| Net charge-offs to loans | 0.5351% | 2,726 |
| Credit loss provision to net charge-offs | 116.2602% | 3,990 |
| Earnings coverage of net charge-offs (x) | 5.5230% | 2,818 |
| Efficiency ratio | 52.9478% | 7,443 |
| Assets per employee ($millions) | 3.2468% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1064% | 1,381 |
| Loan loss allowance to noncurrent loans | 128.9433% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 4,435 |
| Noncurrent loans to loans | 1.6336% | 4,047 |
| Net loans and leases to total assets | 73.4168% | 2,861 |
| Net loans and leases to deposits | 87.0762% | 3,344 |
| Net loans and leases to core deposits | 112.8626% | 3,029 |
| Total domestic deposits to total assets | 84.3133% | 3,590 |
| Equity capital to assets | 11.1178% | 2,821 |
| Core capital (leverage) ratio | 9.9496% | 3,347 |
| Tier 1 risk-based capital ratio | 12.6821% | 4,369 |
| Total risk-based capital ratio | 13.9405% | 4,279 |
| Memoranda: | ||
| Average total assets | $376,507,330 | 1,846 |
| Average earning assets | $353,634,000 | 1,800 |
| Average equity | $39,312,330 | 1,734 |
| Average total loans | $275,855,000 | 1,793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7270% | 3,659 |
| Cost of funding earning assets | 1.4155% | 6,677 |
| Net interest margin | 4.3114% | 1,574 |
| Noninterest income to average assets | 0.3923% | 5,274 |
| Noninterest expense to average assets | 2.4798% | 5,914 |
| Loan and lease loss provision to assets | 0.3860% | 3,011 |
| Net operating income to assets | 1.5085% | 924 |
| Return on assets (ROA) | 1.5085% | 992 |
| Pretax return on assets | 1.5714% | 1,477 |
| Return on Equity (ROE) | 14.9118% | 992 |
| Retained earnings to average equity (ytd only) | 14.9118% | 427 |
| Net charge-offs to loans | 0.3838% | 2,562 |
| Credit loss provision to net charge-offs | 138.8679% | 2,931 |
| Earnings coverage of net charge-offs (x) | 7.0415% | 2,399 |
| Efficiency ratio | 54.7281% | 7,144 |
| Assets per employee ($millions) | 3.4990% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1282% | 1,184 |
| Loan loss allowance to noncurrent loans | 104.5027% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 3,678 |
| Noncurrent loans to loans | 2.0365% | 3,217 |
| Net loans and leases to total assets | 70.9854% | 3,470 |
| Net loans and leases to deposits | 84.0824% | 3,972 |
| Net loans and leases to core deposits | 107.8054% | 3,710 |
| Total domestic deposits to total assets | 84.4236% | 3,502 |
| Equity capital to assets | 10.5092% | 3,455 |
| Core capital (leverage) ratio | 9.0836% | 4,581 |
| Tier 1 risk-based capital ratio | 12.2742% | 4,723 |
| Total risk-based capital ratio | 13.5327% | 4,632 |
| Memoranda: | ||
| Average total assets | $381,316,000 | 1,837 |
| Average earning assets | $357,746,500 | 1,797 |
| Average equity | $38,573,500 | 1,761 |
| Average total loans | $276,205,000 | 1,793 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6217% | 2,380 |
| Cost of funding earning assets | 1.7957% | 7,020 |
| Net interest margin | 4.8260% | 739 |
| Noninterest income to average assets | 0.4200% | 5,299 |
| Noninterest expense to average assets | 2.4880% | 6,056 |
| Loan and lease loss provision to assets | 0.4130% | 3,220 |
| Net operating income to assets | 1.9225% | 415 |
| Return on assets (ROA) | 1.9564% | 377 |
| Pretax return on assets | 2.0308% | 556 |
| Return on Equity (ROE) | 19.9939% | 372 |
| Retained earnings to average equity (ytd only) | 13.1939% | 154 |
| Net charge-offs to loans | 0.4668% | 2,494 |
| Credit loss provision to net charge-offs | 117.1429% | 4,600 |
| Earnings coverage of net charge-offs (x) | 6.8317% | 3,258 |
| Efficiency ratio | 49.6971% | 7,681 |
| Assets per employee ($millions) | 3.4976% | 4,666 |
| Cash dividends to net income (ytd only)* | 34.0103% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0209% | 1,184 |
| Loan loss allowance to noncurrent loans | 85.9739% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 2,816 |
| Noncurrent loans to loans | 2.3506% | 2,339 |
| Net loans and leases to total assets | 70.8818% | 3,818 |
| Net loans and leases to deposits | 82.4033% | 4,661 |
| Net loans and leases to core deposits | 103.4833% | 4,441 |
| Total domestic deposits to total assets | 86.0181% | 2,393 |
| Equity capital to assets | 9.7366% | 4,384 |
| Core capital (leverage) ratio | 9.1923% | 4,450 |
| Tier 1 risk-based capital ratio | 10.9174% | 5,801 |
| Total risk-based capital ratio | 12.1738% | 5,709 |
| Memoranda: | ||
| Average total assets | $357,396,400 | 1,871 |
| Average earning assets | $331,514,000 | 1,847 |
| Average equity | $34,970,600 | 1,934 |
| Average total loans | $269,939,000 | 1,772 |