Home > TrailWest Bank > Performance and Condition Ratios
TrailWest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 1,552 |
| Cost of funding earning assets | 1.4954% | 1,953 |
| Net interest margin | 3.7674% | 1,613 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.2369% | 3,022 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 1.7776% | 633 |
| Return on assets (ROA) | 1.7776% | 609 |
| Pretax return on assets | 1.7776% | 915 |
| Return on Equity (ROE) | 20.1200% | 608 |
| Retained earnings to average equity (ytd only) | 0.1843% | 4,003 |
| Net charge-offs to loans | -0.0667% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.8301% | 3,417 |
| Assets per employee ($millions) | 5.1807% | 3,494 |
| Cash dividends to net income (ytd only)* | 99.0839% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,642 |
| Loan loss allowance to noncurrent loans | 593.1666% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,327 |
| Noncurrent loans to loans | 0.2246% | 2,421 |
| Net loans and leases to total assets | 79.4300% | 710 |
| Net loans and leases to deposits | 105.5346% | 306 |
| Net loans and leases to core deposits | 111.4512% | 902 |
| Total domestic deposits to total assets | 75.2700% | 4,008 |
| Equity capital to assets | 8.8204% | 2,804 |
| Core capital (leverage) ratio | 8.8500% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0762% | 2,218 |
| Memoranda: | ||
| Average total assets | $902,723,000 | 1,077 |
| Average earning assets | $848,938,000 | 1,058 |
| Average equity | $79,756,200 | 1,133 |
| Average total loans | $707,627,400 | 949 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1460% | 1,549 |
| Cost of funding earning assets | 1.3944% | 1,885 |
| Net interest margin | 3.7516% | 1,685 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.2801% | 2,853 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 1.7403% | 743 |
| Return on assets (ROA) | 1.7403% | 729 |
| Pretax return on assets | 1.7403% | 1,102 |
| Return on Equity (ROE) | 19.6900% | 756 |
| Retained earnings to average equity (ytd only) | 0.2844% | 4,068 |
| Net charge-offs to loans | -0.1345% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2542% | 3,177 |
| Assets per employee ($millions) | 5.2986% | 3,352 |
| Cash dividends to net income (ytd only)* | 98.5556% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,546 |
| Loan loss allowance to noncurrent loans | 541.4899% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 2,262 |
| Noncurrent loans to loans | 0.2543% | 2,327 |
| Net loans and leases to total assets | 78.2700% | 851 |
| Net loans and leases to deposits | 104.0520% | 354 |
| Net loans and leases to core deposits | 108.4297% | 928 |
| Total domestic deposits to total assets | 75.2200% | 4,078 |
| Equity capital to assets | 8.7429% | 2,578 |
| Core capital (leverage) ratio | 8.9106% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0401% | 2,260 |
| Memoranda: | ||
| Average total assets | $901,746,750 | 1,087 |
| Average earning assets | $847,681,000 | 1,060 |
| Average equity | $79,703,250 | 1,129 |
| Average total loans | $702,068,250 | 949 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 1,683 |
| Cost of funding earning assets | 1.2498% | 1,851 |
| Net interest margin | 3.6855% | 1,843 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.2692% | 2,891 |
| Loan and lease loss provision to assets | -0.1300% | 4,585 |
| Net operating income to assets | 1.7208% | 756 |
| Return on assets (ROA) | 1.7208% | 755 |
| Pretax return on assets | 1.7208% | 1,170 |
| Return on Equity (ROE) | 19.4000% | 783 |
| Retained earnings to average equity (ytd only) | 0.3287% | 4,018 |
| Net charge-offs to loans | -0.0466% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.7729% | 3,099 |
| Assets per employee ($millions) | 5.3245% | 3,304 |
| Cash dividends to net income (ytd only)* | 98.3055% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,778 |
| Loan loss allowance to noncurrent loans | 503.5282% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,143 |
| Noncurrent loans to loans | 0.2652% | 2,210 |
| Net loans and leases to total assets | 78.0500% | 826 |
| Net loans and leases to deposits | 103.7891% | 375 |
| Net loans and leases to core deposits | 107.3035% | 935 |
| Total domestic deposits to total assets | 75.2000% | 4,102 |
| Equity capital to assets | 8.8123% | 2,652 |
| Core capital (leverage) ratio | 9.1381% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1063% | 2,256 |
| Memoranda: | ||
| Average total assets | $898,541,333 | 1,086 |
| Average earning assets | $846,023,333 | 1,057 |
| Average equity | $79,711,000 | 1,121 |
| Average total loans | $695,001,333 | 944 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 1,648 |
| Cost of funding earning assets | 1.0745% | 1,824 |
| Net interest margin | 3.7153% | 1,866 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.4445% | 2,385 |
| Loan and lease loss provision to assets | -0.2700% | 4,640 |
| Net operating income to assets | 1.6411% | 920 |
| Return on assets (ROA) | 1.6411% | 920 |
| Pretax return on assets | 1.6411% | 1,382 |
| Return on Equity (ROE) | 18.4400% | 968 |
| Retained earnings to average equity (ytd only) | 0.3664% | 3,969 |
| Net charge-offs to loans | 0.0199% | 1,283 |
| Credit loss provision to net charge-offs | -1,764.7059% | 4,664 |
| Earnings coverage of net charge-offs (x) | 90.3824% | 837 |
| Efficiency ratio | 63.9630% | 2,468 |
| Assets per employee ($millions) | 5.2809% | 3,437 |
| Cash dividends to net income (ytd only)* | 98.0125% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,823 |
| Loan loss allowance to noncurrent loans | 485.0337% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 2,046 |
| Noncurrent loans to loans | 0.2781% | 2,149 |
| Net loans and leases to total assets | 77.2000% | 855 |
| Net loans and leases to deposits | 99.7683% | 456 |
| Net loans and leases to core deposits | 102.8729% | 972 |
| Total domestic deposits to total assets | 77.3800% | 4,058 |
| Equity capital to assets | 8.9960% | 2,522 |
| Core capital (leverage) ratio | 9.1538% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4735% | 2,188 |
| Memoranda: | ||
| Average total assets | $895,226,500 | 1,102 |
| Average earning assets | $843,549,000 | 1,077 |
| Average equity | $79,683,500 | 1,134 |
| Average total loans | $684,466,500 | 977 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 1,416 |
| Cost of funding earning assets | 0.6025% | 893 |
| Net interest margin | 3.5234% | 1,858 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.9871% | 3,615 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.6034% | 692 |
| Return on assets (ROA) | 1.6034% | 657 |
| Pretax return on assets | 1.6034% | 1,162 |
| Return on Equity (ROE) | 18.5600% | 623 |
| Retained earnings to average equity (ytd only) | 1.8502% | 4,013 |
| Net charge-offs to loans | -0.0450% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.5899% | 3,739 |
| Assets per employee ($millions) | 5.3162% | 3,402 |
| Cash dividends to net income (ytd only)* | 90.0319% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,249 |
| Loan loss allowance to noncurrent loans | 506.8424% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,065 |
| Noncurrent loans to loans | 0.2925% | 2,096 |
| Net loans and leases to total assets | 73.5400% | 1,263 |
| Net loans and leases to deposits | 92.9011% | 854 |
| Net loans and leases to core deposits | 97.1415% | 1,144 |
| Total domestic deposits to total assets | 79.1600% | 3,984 |
| Equity capital to assets | 8.8027% | 2,488 |
| Core capital (leverage) ratio | 8.8129% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5696% | 2,143 |
| Memoranda: | ||
| Average total assets | $917,879,400 | 1,054 |
| Average earning assets | $863,690,800 | 1,040 |
| Average equity | $79,288,600 | 1,138 |
| Average total loans | $642,728,600 | 979 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 1,466 |
| Cost of funding earning assets | 0.5203% | 676 |
| Net interest margin | 3.3880% | 2,012 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.0828% | 3,254 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3331% | 1,260 |
| Return on assets (ROA) | 1.3331% | 1,236 |
| Pretax return on assets | 1.3331% | 1,940 |
| Return on Equity (ROE) | 15.5100% | 1,078 |
| Retained earnings to average equity (ytd only) | 2.0415% | 4,022 |
| Net charge-offs to loans | 0.0361% | 1,140 |
| Credit loss provision to net charge-offs | 319.7674% | 786 |
| Earnings coverage of net charge-offs (x) | 56.7616% | 1,208 |
| Efficiency ratio | 59.5107% | 3,181 |
| Assets per employee ($millions) | 5.4220% | 3,303 |
| Cash dividends to net income (ytd only)* | 86.8338% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,408 |
| Loan loss allowance to noncurrent loans | 618.7980% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,438 |
| Noncurrent loans to loans | 0.2366% | 2,443 |
| Net loans and leases to total assets | 70.6600% | 1,424 |
| Net loans and leases to deposits | 89.0579% | 960 |
| Net loans and leases to core deposits | 90.8164% | 1,249 |
| Total domestic deposits to total assets | 79.3400% | 4,153 |
| Equity capital to assets | 8.5968% | 2,482 |
| Core capital (leverage) ratio | 8.6684% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5215% | 2,254 |
| Memoranda: | ||
| Average total assets | $921,409,250 | 1,062 |
| Average earning assets | $866,912,500 | 1,043 |
| Average equity | $79,222,000 | 1,156 |
| Average total loans | $634,755,000 | 981 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 1,553 |
| Cost of funding earning assets | 0.4591% | 663 |
| Net interest margin | 3.2338% | 2,096 |
| Noninterest income to average assets | 0.3026% | 3,346 |
| Noninterest expense to average assets | 2.0041% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3398% | 1,047 |
| Return on assets (ROA) | 1.3398% | 1,028 |
| Pretax return on assets | 1.3398% | 1,614 |
| Return on Equity (ROE) | 15.5827% | 779 |
| Retained earnings to average equity (ytd only) | 1.6966% | 3,826 |
| Net charge-offs to loans | -0.1013% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8546% | 3,317 |
| Assets per employee ($millions) | 5.4924% | 3,242 |
| Cash dividends to net income (ytd only)* | 89.1121% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,426 |
| Loan loss allowance to noncurrent loans | 442.7716% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 2,150 |
| Noncurrent loans to loans | 0.3372% | 2,131 |
| Net loans and leases to total assets | 68.3615% | 1,451 |
| Net loans and leases to deposits | 85.7850% | 991 |
| Net loans and leases to core deposits | 87.2359% | 1,258 |
| Total domestic deposits to total assets | 79.6894% | 4,251 |
| Equity capital to assets | 8.5039% | 2,762 |
| Core capital (leverage) ratio | 8.6540% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0878% | 2,025 |
| Memoranda: | ||
| Average total assets | $921,301,333 | 1,059 |
| Average earning assets | $866,460,667 | 1,045 |
| Average equity | $79,216,000 | 1,171 |
| Average total loans | $626,014,667 | 991 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 1,470 |
| Cost of funding earning assets | 0.4421% | 684 |
| Net interest margin | 3.1705% | 1,970 |
| Noninterest income to average assets | 0.2811% | 3,450 |
| Noninterest expense to average assets | 1.9276% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3353% | 927 |
| Return on assets (ROA) | 1.3353% | 918 |
| Pretax return on assets | 1.3353% | 1,423 |
| Return on Equity (ROE) | 15.4483% | 593 |
| Retained earnings to average equity (ytd only) | 2.8436% | 3,317 |
| Net charge-offs to loans | -0.0162% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9956% | 3,586 |
| Assets per employee ($millions) | 5.6785% | 3,147 |
| Cash dividends to net income (ytd only)* | 81.5927% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,579 |
| Loan loss allowance to noncurrent loans | 422.9025% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 2,212 |
| Noncurrent loans to loans | 0.3523% | 2,222 |
| Net loans and leases to total assets | 66.6196% | 1,351 |
| Net loans and leases to deposits | 83.6309% | 907 |
| Net loans and leases to core deposits | 84.6904% | 1,208 |
| Total domestic deposits to total assets | 79.6591% | 4,303 |
| Equity capital to assets | 8.5630% | 3,109 |
| Core capital (leverage) ratio | 8.6857% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3524% | 2,055 |
| Memoranda: | ||
| Average total assets | $917,830,500 | 1,065 |
| Average earning assets | $863,195,000 | 1,053 |
| Average equity | $79,335,500 | 1,209 |
| Average total loans | $616,939,500 | 999 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 1,387 |
| Cost of funding earning assets | 0.4539% | 1,171 |
| Net interest margin | 3.5328% | 1,643 |
| Noninterest income to average assets | 0.2773% | 3,728 |
| Noninterest expense to average assets | 1.9818% | 3,734 |
| Loan and lease loss provision to assets | -0.0669% | 4,428 |
| Net operating income to assets | 1.6836% | 657 |
| Return on assets (ROA) | 1.6836% | 682 |
| Pretax return on assets | 1.6836% | 1,191 |
| Return on Equity (ROE) | 19.2719% | 355 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,635 |
| Net charge-offs to loans | -0.2294% | 4,721 |
| Credit loss provision to net charge-offs | 42.2383% | 2,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9959% | 3,822 |
| Assets per employee ($millions) | 5.7966% | 2,957 |
| Cash dividends to net income (ytd only)* | 59.7380% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 1,454 |
| Loan loss allowance to noncurrent loans | 382.2441% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,211 |
| Noncurrent loans to loans | 0.4002% | 2,154 |
| Net loans and leases to total assets | 65.7784% | 1,494 |
| Net loans and leases to deposits | 82.1048% | 1,060 |
| Net loans and leases to core deposits | 83.4477% | 1,361 |
| Total domestic deposits to total assets | 80.1152% | 4,210 |
| Equity capital to assets | 8.7260% | 3,862 |
| Core capital (leverage) ratio | 8.7057% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9322% | 1,874 |
| Memoranda: | ||
| Average total assets | $874,977,000 | 1,070 |
| Average earning assets | $822,584,400 | 1,057 |
| Average equity | $76,437,800 | 1,254 |
| Average total loans | $603,734,600 | 1,005 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 1,403 |
| Cost of funding earning assets | 0.4549% | 1,321 |
| Net interest margin | 3.6050% | 1,590 |
| Noninterest income to average assets | 0.2684% | 3,803 |
| Noninterest expense to average assets | 2.0300% | 3,587 |
| Loan and lease loss provision to assets | -0.0384% | 4,420 |
| Net operating income to assets | 1.6655% | 891 |
| Return on assets (ROA) | 1.6655% | 934 |
| Pretax return on assets | 1.6655% | 1,499 |
| Return on Equity (ROE) | 19.0587% | 510 |
| Retained earnings to average equity (ytd only) | 10.2515% | 1,244 |
| Net charge-offs to loans | -0.2192% | 4,780 |
| Credit loss provision to net charge-offs | 25.2270% | 1,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4340% | 3,601 |
| Assets per employee ($millions) | 5.5408% | 3,152 |
| Cash dividends to net income (ytd only)* | 46.2107% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,541 |
| Loan loss allowance to noncurrent loans | 353.7902% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 2,345 |
| Noncurrent loans to loans | 0.4307% | 2,266 |
| Net loans and leases to total assets | 65.3294% | 1,618 |
| Net loans and leases to deposits | 81.6416% | 1,144 |
| Net loans and leases to core deposits | 83.0299% | 1,496 |
| Total domestic deposits to total assets | 80.0197% | 4,228 |
| Equity capital to assets | 8.6866% | 4,081 |
| Core capital (leverage) ratio | 8.8755% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2151% | 1,891 |
| Memoranda: | ||
| Average total assets | $866,205,000 | 1,086 |
| Average earning assets | $814,193,250 | 1,076 |
| Average equity | $75,694,250 | 1,283 |
| Average total loans | $602,686,750 | 1,026 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 1,327 |
| Cost of funding earning assets | 0.4658% | 1,413 |
| Net interest margin | 3.6435% | 1,489 |
| Noninterest income to average assets | 0.2672% | 3,800 |
| Noninterest expense to average assets | 2.1045% | 3,374 |
| Loan and lease loss provision to assets | -0.0235% | 4,445 |
| Net operating income to assets | 1.6109% | 1,032 |
| Return on assets (ROA) | 1.6109% | 1,086 |
| Pretax return on assets | 1.6109% | 1,707 |
| Return on Equity (ROE) | 18.3953% | 605 |
| Retained earnings to average equity (ytd only) | 4.9641% | 3,197 |
| Net charge-offs to loans | -0.3123% | 4,845 |
| Credit loss provision to net charge-offs | 10.6496% | 1,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9262% | 3,416 |
| Assets per employee ($millions) | 5.3350% | 3,306 |
| Cash dividends to net income (ytd only)* | 73.0140% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,480 |
| Loan loss allowance to noncurrent loans | 736.5142% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 3,287 |
| Noncurrent loans to loans | 0.2083% | 3,214 |
| Net loans and leases to total assets | 68.0913% | 1,433 |
| Net loans and leases to deposits | 84.0970% | 1,061 |
| Net loans and leases to core deposits | 85.5659% | 1,450 |
| Total domestic deposits to total assets | 80.9676% | 4,096 |
| Equity capital to assets | 8.5695% | 4,149 |
| Core capital (leverage) ratio | 8.6792% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7069% | 2,085 |
| Memoranda: | ||
| Average total assets | $850,197,000 | 1,096 |
| Average earning assets | $799,124,000 | 1,092 |
| Average equity | $74,454,000 | 1,291 |
| Average total loans | $601,415,333 | 1,031 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 1,358 |
| Cost of funding earning assets | 0.4794% | 1,523 |
| Net interest margin | 3.6328% | 1,494 |
| Noninterest income to average assets | 0.2529% | 3,884 |
| Noninterest expense to average assets | 1.9057% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7625% | 841 |
| Return on assets (ROA) | 1.7625% | 893 |
| Pretax return on assets | 1.7625% | 1,373 |
| Return on Equity (ROE) | 19.9017% | 536 |
| Retained earnings to average equity (ytd only) | 3.6775% | 3,600 |
| Net charge-offs to loans | -0.1004% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8736% | 4,002 |
| Assets per employee ($millions) | 5.3178% | 3,309 |
| Cash dividends to net income (ytd only)* | 81.5217% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,826 |
| Loan loss allowance to noncurrent loans | 836.5571% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 3,565 |
| Noncurrent loans to loans | 0.1715% | 3,494 |
| Net loans and leases to total assets | 69.8647% | 1,306 |
| Net loans and leases to deposits | 86.7684% | 907 |
| Net loans and leases to core deposits | 88.7539% | 1,310 |
| Total domestic deposits to total assets | 80.5186% | 4,136 |
| Equity capital to assets | 8.7244% | 3,936 |
| Core capital (leverage) ratio | 8.9224% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8583% | 1,942 |
| Memoranda: | ||
| Average total assets | $835,160,000 | 1,103 |
| Average earning assets | $785,178,000 | 1,098 |
| Average equity | $73,963,500 | 1,292 |
| Average total loans | $597,759,500 | 1,039 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 1,465 |
| Cost of funding earning assets | 0.7595% | 1,397 |
| Net interest margin | 3.6796% | 1,871 |
| Noninterest income to average assets | 0.2413% | 4,049 |
| Noninterest expense to average assets | 2.1055% | 3,926 |
| Loan and lease loss provision to assets | 0.0773% | 3,412 |
| Net operating income to assets | 1.5011% | 808 |
| Return on assets (ROA) | 1.5011% | 882 |
| Pretax return on assets | 1.5011% | 1,325 |
| Return on Equity (ROE) | 16.8355% | 429 |
| Retained earnings to average equity (ytd only) | 15.7241% | 129 |
| Net charge-offs to loans | -0.0721% | 4,745 |
| Credit loss provision to net charge-offs | -140.9639% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0691% | 3,848 |
| Assets per employee ($millions) | 4.9070% | 3,495 |
| Cash dividends to net income (ytd only)* | 6.6015% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,831 |
| Loan loss allowance to noncurrent loans | 862.0690% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 3,685 |
| Noncurrent loans to loans | 0.1664% | 3,612 |
| Net loans and leases to total assets | 71.2564% | 1,393 |
| Net loans and leases to deposits | 89.0946% | 999 |
| Net loans and leases to core deposits | 91.7999% | 1,398 |
| Total domestic deposits to total assets | 79.9783% | 4,047 |
| Equity capital to assets | 8.9931% | 4,059 |
| Core capital (leverage) ratio | 8.9569% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9795% | 1,857 |
| Memoranda: | ||
| Average total assets | $756,861,600 | 1,099 |
| Average earning assets | $708,124,200 | 1,088 |
| Average equity | $67,482,400 | 1,331 |
| Average total loans | $575,791,000 | 1,015 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 1,742 |
| Cost of funding earning assets | 0.8309% | 1,354 |
| Net interest margin | 3.6081% | 2,247 |
| Noninterest income to average assets | 0.2633% | 3,890 |
| Noninterest expense to average assets | 2.1503% | 3,819 |
| Loan and lease loss provision to assets | 0.0989% | 3,089 |
| Net operating income to assets | 1.3871% | 1,133 |
| Return on assets (ROA) | 1.3871% | 1,228 |
| Pretax return on assets | 1.3871% | 1,778 |
| Return on Equity (ROE) | 15.5942% | 598 |
| Retained earnings to average equity (ytd only) | 14.0774% | 250 |
| Net charge-offs to loans | -0.1201% | 4,850 |
| Credit loss provision to net charge-offs | -106.7961% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0453% | 3,513 |
| Assets per employee ($millions) | 4.9852% | 3,267 |
| Cash dividends to net income (ytd only)* | 9.7264% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,633 |
| Loan loss allowance to noncurrent loans | 717.9380% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,688 |
| Noncurrent loans to loans | 0.1985% | 3,598 |
| Net loans and leases to total assets | 72.0181% | 1,661 |
| Net loans and leases to deposits | 89.6046% | 1,311 |
| Net loans and leases to core deposits | 93.0128% | 1,708 |
| Total domestic deposits to total assets | 80.3732% | 3,788 |
| Equity capital to assets | 8.5065% | 4,460 |
| Core capital (leverage) ratio | 8.7870% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3993% | 2,035 |
| Memoranda: | ||
| Average total assets | $741,208,000 | 1,104 |
| Average earning assets | $692,908,750 | 1,098 |
| Average equity | $65,929,000 | 1,346 |
| Average total loans | $571,631,500 | 1,018 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 1,692 |
| Cost of funding earning assets | 0.9327% | 1,228 |
| Net interest margin | 3.6488% | 2,320 |
| Noninterest income to average assets | 0.2585% | 3,926 |
| Noninterest expense to average assets | 2.1740% | 3,867 |
| Loan and lease loss provision to assets | 0.1540% | 2,458 |
| Net operating income to assets | 1.3348% | 1,263 |
| Return on assets (ROA) | 1.3348% | 1,363 |
| Pretax return on assets | 1.3348% | 1,920 |
| Return on Equity (ROE) | 14.7596% | 744 |
| Retained earnings to average equity (ytd only) | 12.4370% | 406 |
| Net charge-offs to loans | -0.0089% | 4,176 |
| Credit loss provision to net charge-offs | -2,200.0000% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2598% | 3,523 |
| Assets per employee ($millions) | 4.4641% | 3,833 |
| Cash dividends to net income (ytd only)* | 15.7365% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 1,750 |
| Loan loss allowance to noncurrent loans | 523.6706% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 3,544 |
| Noncurrent loans to loans | 0.2587% | 3,459 |
| Net loans and leases to total assets | 75.6963% | 1,189 |
| Net loans and leases to deposits | 94.9679% | 878 |
| Net loans and leases to core deposits | 98.9069% | 1,338 |
| Total domestic deposits to total assets | 79.7072% | 3,896 |
| Equity capital to assets | 8.6195% | 4,413 |
| Core capital (leverage) ratio | 8.9335% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0673% | 2,149 |
| Memoranda: | ||
| Average total assets | $714,089,667 | 1,125 |
| Average earning assets | $666,253,000 | 1,116 |
| Average equity | $64,581,667 | 1,354 |
| Average total loans | $561,855,667 | 1,019 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 1,367 |
| Cost of funding earning assets | 1.1259% | 967 |
| Net interest margin | 3.6965% | 2,335 |
| Noninterest income to average assets | 0.2771% | 3,863 |
| Noninterest expense to average assets | 2.2860% | 3,799 |
| Loan and lease loss provision to assets | 0.2051% | 1,488 |
| Net operating income to assets | 1.2309% | 1,426 |
| Return on assets (ROA) | 1.2309% | 1,529 |
| Pretax return on assets | 1.2309% | 2,098 |
| Return on Equity (ROE) | 13.2563% | 836 |
| Retained earnings to average equity (ytd only) | 8.5241% | 1,095 |
| Net charge-offs to loans | -0.0191% | 4,321 |
| Credit loss provision to net charge-offs | -1,346.1538% | 3,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3254% | 3,575 |
| Assets per employee ($millions) | 3.9531% | 3,989 |
| Cash dividends to net income (ytd only)* | 35.6973% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,557 |
| Loan loss allowance to noncurrent loans | 520.8995% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,591 |
| Noncurrent loans to loans | 0.2761% | 3,502 |
| Net loans and leases to total assets | 78.4815% | 906 |
| Net loans and leases to deposits | 100.3829% | 536 |
| Net loans and leases to core deposits | 105.6500% | 1,080 |
| Total domestic deposits to total assets | 78.1822% | 4,188 |
| Equity capital to assets | 9.2983% | 4,397 |
| Core capital (leverage) ratio | 9.3715% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7862% | 2,366 |
| Memoranda: | ||
| Average total assets | $682,759,500 | 1,142 |
| Average earning assets | $636,284,500 | 1,134 |
| Average equity | $63,396,500 | 1,367 |
| Average total loans | $544,760,500 | 1,018 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 1,238 |
| Cost of funding earning assets | 1.2807% | 812 |
| Net interest margin | 3.8079% | 2,477 |
| Noninterest income to average assets | 0.3575% | 3,560 |
| Noninterest expense to average assets | 2.3187% | 3,899 |
| Loan and lease loss provision to assets | 0.1564% | 1,353 |
| Net operating income to assets | 1.4273% | 1,250 |
| Return on assets (ROA) | 1.4281% | 1,310 |
| Pretax return on assets | 1.4281% | 2,054 |
| Return on Equity (ROE) | 15.5026% | 605 |
| Retained earnings to average equity (ytd only) | 13.8050% | 133 |
| Net charge-offs to loans | 0.0290% | 2,818 |
| Credit loss provision to net charge-offs | 666.6667% | 473 |
| Earnings coverage of net charge-offs (x) | 67.5133% | 902 |
| Efficiency ratio | 59.3212% | 3,789 |
| Assets per employee ($millions) | 4.0825% | 3,804 |
| Cash dividends to net income (ytd only)* | 10.9505% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,578 |
| Loan loss allowance to noncurrent loans | 685.5576% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,836 |
| Noncurrent loans to loans | 0.2019% | 3,732 |
| Net loans and leases to total assets | 78.8452% | 958 |
| Net loans and leases to deposits | 100.8686% | 535 |
| Net loans and leases to core deposits | 107.1853% | 1,029 |
| Total domestic deposits to total assets | 78.1663% | 4,333 |
| Equity capital to assets | 9.2721% | 4,511 |
| Core capital (leverage) ratio | 9.3231% | 4,257 |
| Tier 1 risk-based capital ratio | 12.4342% | 4,113 |
| Total risk-based capital ratio | 13.6873% | 3,982 |
| Memoranda: | ||
| Average total assets | $639,446,800 | 1,167 |
| Average earning assets | $595,295,000 | 1,163 |
| Average equity | $58,906,400 | 1,387 |
| Average total loans | $516,591,000 | 1,047 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 1,267 |
| Cost of funding earning assets | 1.3004% | 781 |
| Net interest margin | 3.8089% | 2,567 |
| Noninterest income to average assets | 0.3101% | 3,890 |
| Noninterest expense to average assets | 2.2793% | 4,006 |
| Loan and lease loss provision to assets | 0.2223% | 773 |
| Net operating income to assets | 1.3501% | 1,642 |
| Return on assets (ROA) | 1.3511% | 1,704 |
| Pretax return on assets | 1.3511% | 2,489 |
| Return on Equity (ROE) | 14.6924% | 850 |
| Retained earnings to average equity (ytd only) | 14.6924% | 170 |
| Net charge-offs to loans | 0.1100% | 1,366 |
| Credit loss provision to net charge-offs | 249.4062% | 1,102 |
| Earnings coverage of net charge-offs (x) | 17.6437% | 2,082 |
| Efficiency ratio | 59.0789% | 3,794 |
| Assets per employee ($millions) | 4.1246% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,703 |
| Loan loss allowance to noncurrent loans | 454.3695% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 3,191 |
| Noncurrent loans to loans | 0.3004% | 3,465 |
| Net loans and leases to total assets | 78.7100% | 1,030 |
| Net loans and leases to deposits | 100.1106% | 625 |
| Net loans and leases to core deposits | 105.6687% | 1,204 |
| Total domestic deposits to total assets | 78.6230% | 4,241 |
| Equity capital to assets | 9.1427% | 4,702 |
| Core capital (leverage) ratio | 9.2648% | 4,413 |
| Tier 1 risk-based capital ratio | 12.1806% | 4,326 |
| Total risk-based capital ratio | 13.4331% | 4,208 |
| Memoranda: | ||
| Average total assets | $629,886,750 | 1,182 |
| Average earning assets | $585,665,750 | 1,179 |
| Average equity | $57,924,000 | 1,404 |
| Average total loans | $510,282,750 | 1,057 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0538% | 1,340 |
| Cost of funding earning assets | 1.2676% | 825 |
| Net interest margin | 3.7862% | 2,627 |
| Noninterest income to average assets | 0.3183% | 3,800 |
| Noninterest expense to average assets | 2.3020% | 3,998 |
| Loan and lease loss provision to assets | 0.2107% | 798 |
| Net operating income to assets | 1.3310% | 1,652 |
| Return on assets (ROA) | 1.3326% | 1,713 |
| Pretax return on assets | 1.3326% | 2,434 |
| Return on Equity (ROE) | 14.4615% | 880 |
| Retained earnings to average equity (ytd only) | 14.4615% | 199 |
| Net charge-offs to loans | 0.0692% | 1,669 |
| Credit loss provision to net charge-offs | 373.5632% | 764 |
| Earnings coverage of net charge-offs (x) | 27.3391% | 1,543 |
| Efficiency ratio | 59.7892% | 3,762 |
| Assets per employee ($millions) | 4.0668% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 1,775 |
| Loan loss allowance to noncurrent loans | 327.9337% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 3,027 |
| Noncurrent loans to loans | 0.4145% | 3,048 |
| Net loans and leases to total assets | 79.9646% | 886 |
| Net loans and leases to deposits | 102.0245% | 537 |
| Net loans and leases to core deposits | 107.8325% | 1,111 |
| Total domestic deposits to total assets | 78.3778% | 4,333 |
| Equity capital to assets | 9.0975% | 4,742 |
| Core capital (leverage) ratio | 9.2527% | 4,406 |
| Tier 1 risk-based capital ratio | 12.0128% | 4,407 |
| Total risk-based capital ratio | 13.2653% | 4,293 |
| Memoranda: | ||
| Average total assets | $617,118,670 | 1,198 |
| Average earning assets | $574,619,330 | 1,196 |
| Average equity | $56,868,330 | 1,417 |
| Average total loans | $502,639,670 | 1,073 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0317% | 1,261 |
| Cost of funding earning assets | 1.2067% | 888 |
| Net interest margin | 3.8250% | 2,435 |
| Noninterest income to average assets | 0.3167% | 3,740 |
| Noninterest expense to average assets | 2.3135% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5605% | 986 |
| Return on assets (ROA) | 1.5605% | 1,014 |
| Pretax return on assets | 1.5605% | 1,574 |
| Return on Equity (ROE) | 16.8189% | 493 |
| Retained earnings to average equity (ytd only) | 16.8189% | 190 |
| Net charge-offs to loans | -0.0390% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6160% | 3,861 |
| Assets per employee ($millions) | 3.9066% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,874 |
| Loan loss allowance to noncurrent loans | 299.9552% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 3,020 |
| Noncurrent loans to loans | 0.4499% | 2,970 |
| Net loans and leases to total assets | 77.3673% | 1,257 |
| Net loans and leases to deposits | 99.0146% | 695 |
| Net loans and leases to core deposits | 105.1677% | 1,229 |
| Total domestic deposits to total assets | 78.1373% | 4,494 |
| Equity capital to assets | 9.0167% | 4,671 |
| Core capital (leverage) ratio | 9.4406% | 4,212 |
| Tier 1 risk-based capital ratio | 12.2580% | 4,319 |
| Total risk-based capital ratio | 13.5102% | 4,185 |
| Memoranda: | ||
| Average total assets | $602,371,000 | 1,219 |
| Average earning assets | $560,207,000 | 1,220 |
| Average equity | $55,889,500 | 1,430 |
| Average total loans | $491,865,500 | 1,097 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 1,232 |
| Cost of funding earning assets | 0.8092% | 1,476 |
| Net interest margin | 4.1106% | 1,651 |
| Noninterest income to average assets | 0.3721% | 3,602 |
| Noninterest expense to average assets | 2.5942% | 3,354 |
| Loan and lease loss provision to assets | 0.1036% | 2,124 |
| Net operating income to assets | 1.4775% | 1,179 |
| Return on assets (ROA) | 1.4799% | 1,162 |
| Pretax return on assets | 1.4799% | 1,844 |
| Return on Equity (ROE) | 15.7223% | 682 |
| Retained earnings to average equity (ytd only) | 14.7415% | 129 |
| Net charge-offs to loans | -0.0408% | 4,905 |
| Credit loss provision to net charge-offs | -296.8254% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0263% | 3,521 |
| Assets per employee ($millions) | 3.6895% | 4,331 |
| Cash dividends to net income (ytd only)* | 6.2383% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,770 |
| Loan loss allowance to noncurrent loans | 324.8657% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 3,112 |
| Noncurrent loans to loans | 0.4200% | 3,034 |
| Net loans and leases to total assets | 84.0657% | 410 |
| Net loans and leases to deposits | 110.0111% | 254 |
| Net loans and leases to core deposits | 114.3079% | 770 |
| Total domestic deposits to total assets | 76.4157% | 4,701 |
| Equity capital to assets | 9.5677% | 4,070 |
| Core capital (leverage) ratio | 9.6301% | 3,971 |
| Tier 1 risk-based capital ratio | 11.8944% | 4,499 |
| Total risk-based capital ratio | 13.1468% | 4,383 |
| Memoranda: | ||
| Average total assets | $541,583,000 | 1,310 |
| Average earning assets | $501,096,800 | 1,311 |
| Average equity | $50,978,600 | 1,493 |
| Average total loans | $463,074,000 | 1,125 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 862 |
| Cost of funding earning assets | 0.7481% | 1,596 |
| Net interest margin | 4.2922% | 1,126 |
| Noninterest income to average assets | 0.3775% | 3,618 |
| Noninterest expense to average assets | 2.6101% | 3,253 |
| Loan and lease loss provision to assets | 0.1311% | 1,537 |
| Net operating income to assets | 1.6074% | 949 |
| Return on assets (ROA) | 1.6074% | 953 |
| Pretax return on assets | 1.6074% | 1,557 |
| Return on Equity (ROE) | 17.1524% | 528 |
| Retained earnings to average equity (ytd only) | 15.8203% | 143 |
| Net charge-offs to loans | -0.0505% | 4,933 |
| Credit loss provision to net charge-offs | -303.4682% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9185% | 3,823 |
| Assets per employee ($millions) | 3.5533% | 4,487 |
| Cash dividends to net income (ytd only)* | 7.7664% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,812 |
| Loan loss allowance to noncurrent loans | 306.8837% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 3,149 |
| Noncurrent loans to loans | 0.4468% | 3,052 |
| Net loans and leases to total assets | 85.0649% | 354 |
| Net loans and leases to deposits | 112.0431% | 235 |
| Net loans and leases to core deposits | 115.3025% | 748 |
| Total domestic deposits to total assets | 75.9216% | 4,796 |
| Equity capital to assets | 9.5255% | 4,054 |
| Core capital (leverage) ratio | 9.4688% | 4,214 |
| Tier 1 risk-based capital ratio | 11.6525% | 4,704 |
| Total risk-based capital ratio | 12.9049% | 4,590 |
| Memoranda: | ||
| Average total assets | $534,008,750 | 1,327 |
| Average earning assets | $494,068,000 | 1,327 |
| Average equity | $50,044,250 | 1,524 |
| Average total loans | $456,991,250 | 1,135 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 877 |
| Cost of funding earning assets | 0.6866% | 1,705 |
| Net interest margin | 4.2818% | 1,071 |
| Noninterest income to average assets | 0.3889% | 3,562 |
| Noninterest expense to average assets | 2.6355% | 3,202 |
| Loan and lease loss provision to assets | 0.1426% | 1,360 |
| Net operating income to assets | 1.5702% | 990 |
| Return on assets (ROA) | 1.5702% | 992 |
| Pretax return on assets | 1.5702% | 1,602 |
| Return on Equity (ROE) | 16.8529% | 542 |
| Retained earnings to average equity (ytd only) | 14.8126% | 207 |
| Net charge-offs to loans | -0.0450% | 4,884 |
| Credit loss provision to net charge-offs | -371.2871% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5054% | 3,858 |
| Assets per employee ($millions) | 3.5631% | 4,513 |
| Cash dividends to net income (ytd only)* | 12.1065% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,950 |
| Loan loss allowance to noncurrent loans | 388.3069% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,571 |
| Noncurrent loans to loans | 0.3475% | 3,453 |
| Net loans and leases to total assets | 84.4086% | 418 |
| Net loans and leases to deposits | 110.7819% | 262 |
| Net loans and leases to core deposits | 114.8912% | 751 |
| Total domestic deposits to total assets | 76.1935% | 4,838 |
| Equity capital to assets | 9.2139% | 4,368 |
| Core capital (leverage) ratio | 9.5664% | 4,033 |
| Tier 1 risk-based capital ratio | 11.3104% | 4,893 |
| Total risk-based capital ratio | 12.5625% | 4,789 |
| Memoranda: | ||
| Average total assets | $526,054,000 | 1,349 |
| Average earning assets | $486,430,670 | 1,348 |
| Average equity | $49,012,330 | 1,551 |
| Average total loans | $448,937,670 | 1,150 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 845 |
| Cost of funding earning assets | 0.6432% | 1,759 |
| Net interest margin | 4.2715% | 1,005 |
| Noninterest income to average assets | 0.3712% | 3,654 |
| Noninterest expense to average assets | 2.6880% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6345% | 787 |
| Return on assets (ROA) | 1.6345% | 790 |
| Pretax return on assets | 1.6345% | 1,286 |
| Return on Equity (ROE) | 17.4394% | 464 |
| Retained earnings to average equity (ytd only) | 13.2793% | 481 |
| Net charge-offs to loans | -0.0741% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0783% | 3,765 |
| Assets per employee ($millions) | 3.4752% | 4,690 |
| Cash dividends to net income (ytd only)* | 23.8550% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,045 |
| Loan loss allowance to noncurrent loans | 384.8777% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,648 |
| Noncurrent loans to loans | 0.3488% | 3,519 |
| Net loans and leases to total assets | 84.8844% | 349 |
| Net loans and leases to deposits | 108.6795% | 303 |
| Net loans and leases to core deposits | 112.2636% | 878 |
| Total domestic deposits to total assets | 78.1052% | 4,717 |
| Equity capital to assets | 9.4378% | 4,144 |
| Core capital (leverage) ratio | 9.5344% | 4,031 |
| Tier 1 risk-based capital ratio | 11.4325% | 4,890 |
| Total risk-based capital ratio | 12.6842% | 4,792 |
| Memoranda: | ||
| Average total assets | $512,937,500 | 1,389 |
| Average earning assets | $474,499,000 | 1,399 |
| Average equity | $48,075,000 | 1,577 |
| Average total loans | $437,129,500 | 1,175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 628 |
| Cost of funding earning assets | 0.6481% | 1,304 |
| Net interest margin | 4.3673% | 823 |
| Noninterest income to average assets | 0.4789% | 3,134 |
| Noninterest expense to average assets | 2.7697% | 2,892 |
| Loan and lease loss provision to assets | 0.1124% | 2,022 |
| Net operating income to assets | 1.6149% | 634 |
| Return on assets (ROA) | 1.5948% | 674 |
| Pretax return on assets | 1.5948% | 1,307 |
| Return on Equity (ROE) | 17.0883% | 389 |
| Retained earnings to average equity (ytd only) | 10.2485% | 320 |
| Net charge-offs to loans | -0.0158% | 4,893 |
| Credit loss provision to net charge-offs | -852.3810% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4790% | 4,021 |
| Assets per employee ($millions) | 3.3871% | 4,839 |
| Cash dividends to net income (ytd only)* | 40.0262% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,851 |
| Loan loss allowance to noncurrent loans | 410.8635% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 3,757 |
| Noncurrent loans to loans | 0.3349% | 3,565 |
| Net loans and leases to total assets | 83.2252% | 525 |
| Net loans and leases to deposits | 106.4206% | 385 |
| Net loans and leases to core deposits | 109.8429% | 1,020 |
| Total domestic deposits to total assets | 78.2040% | 4,686 |
| Equity capital to assets | 9.3059% | 4,419 |
| Core capital (leverage) ratio | 9.3738% | 4,196 |
| Tier 1 risk-based capital ratio | 11.4027% | 4,914 |
| Total risk-based capital ratio | 12.6548% | 4,796 |
| Memoranda: | ||
| Average total assets | $477,807,000 | 1,455 |
| Average earning assets | $439,608,400 | 1,471 |
| Average equity | $44,592,000 | 1,671 |
| Average total loans | $399,483,400 | 1,233 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 583 |
| Cost of funding earning assets | 0.6406% | 1,301 |
| Net interest margin | 4.3827% | 754 |
| Noninterest income to average assets | 0.5135% | 2,951 |
| Noninterest expense to average assets | 2.7744% | 2,814 |
| Loan and lease loss provision to assets | 0.0425% | 3,255 |
| Net operating income to assets | 1.7233% | 555 |
| Return on assets (ROA) | 1.6961% | 597 |
| Pretax return on assets | 1.6961% | 1,139 |
| Return on Equity (ROE) | 18.1598% | 320 |
| Retained earnings to average equity (ytd only) | 8.9008% | 879 |
| Net charge-offs to loans | -0.0418% | 5,108 |
| Credit loss provision to net charge-offs | -121.9512% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9942% | 4,044 |
| Assets per employee ($millions) | 3.3948% | 4,868 |
| Cash dividends to net income (ytd only)* | 50.9864% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,162 |
| Loan loss allowance to noncurrent loans | 291.3225% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 3,455 |
| Noncurrent loans to loans | 0.4601% | 3,325 |
| Net loans and leases to total assets | 82.2085% | 649 |
| Net loans and leases to deposits | 105.4273% | 441 |
| Net loans and leases to core deposits | 110.4906% | 996 |
| Total domestic deposits to total assets | 77.9765% | 4,729 |
| Equity capital to assets | 9.1465% | 4,778 |
| Core capital (leverage) ratio | 9.2723% | 4,436 |
| Tier 1 risk-based capital ratio | 11.1784% | 5,139 |
| Total risk-based capital ratio | 12.4297% | 5,041 |
| Memoranda: | ||
| Average total assets | $470,242,250 | 1,490 |
| Average earning assets | $432,056,250 | 1,509 |
| Average equity | $43,920,000 | 1,706 |
| Average total loans | $392,169,500 | 1,262 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 557 |
| Cost of funding earning assets | 0.6171% | 1,345 |
| Net interest margin | 4.3872% | 721 |
| Noninterest income to average assets | 0.4216% | 3,549 |
| Noninterest expense to average assets | 2.7184% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7280% | 530 |
| Return on assets (ROA) | 1.6863% | 591 |
| Pretax return on assets | 1.6863% | 1,089 |
| Return on Equity (ROE) | 17.9212% | 342 |
| Retained earnings to average equity (ytd only) | 7.3087% | 1,447 |
| Net charge-offs to loans | -0.1010% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0194% | 4,163 |
| Assets per employee ($millions) | 3.2773% | 5,004 |
| Cash dividends to net income (ytd only)* | 59.2173% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,221 |
| Loan loss allowance to noncurrent loans | 308.8252% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,123 |
| Noncurrent loans to loans | 0.4343% | 3,456 |
| Net loans and leases to total assets | 83.3231% | 510 |
| Net loans and leases to deposits | 108.6326% | 297 |
| Net loans and leases to core deposits | 112.9849% | 849 |
| Total domestic deposits to total assets | 76.7017% | 5,001 |
| Equity capital to assets | 9.1335% | 4,770 |
| Core capital (leverage) ratio | 9.4247% | 4,207 |
| Tier 1 risk-based capital ratio | 11.0502% | 5,228 |
| Total risk-based capital ratio | 12.3018% | 5,121 |
| Memoranda: | ||
| Average total assets | $460,646,330 | 1,523 |
| Average earning assets | $422,595,330 | 1,539 |
| Average equity | $43,345,330 | 1,722 |
| Average total loans | $384,286,670 | 1,287 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 556 |
| Cost of funding earning assets | 0.5968% | 1,395 |
| Net interest margin | 4.3662% | 679 |
| Noninterest income to average assets | 0.4281% | 3,460 |
| Noninterest expense to average assets | 2.6982% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7429% | 509 |
| Return on assets (ROA) | 1.7429% | 515 |
| Pretax return on assets | 1.7429% | 917 |
| Return on Equity (ROE) | 18.2329% | 323 |
| Retained earnings to average equity (ytd only) | 4.2363% | 3,327 |
| Net charge-offs to loans | -0.1152% | 5,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6347% | 4,382 |
| Assets per employee ($millions) | 3.1400% | 5,236 |
| Cash dividends to net income (ytd only)* | 76.7656% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 2,009 |
| Loan loss allowance to noncurrent loans | 321.2715% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 3,169 |
| Noncurrent loans to loans | 0.4409% | 3,509 |
| Net loans and leases to total assets | 82.6509% | 495 |
| Net loans and leases to deposits | 105.5366% | 337 |
| Net loans and leases to core deposits | 108.5934% | 939 |
| Total domestic deposits to total assets | 78.3149% | 4,931 |
| Equity capital to assets | 9.4645% | 4,317 |
| Core capital (leverage) ratio | 9.6321% | 3,955 |
| Tier 1 risk-based capital ratio | 11.5626% | 4,989 |
| Total risk-based capital ratio | 12.8150% | 4,889 |
| Memoranda: | ||
| Average total assets | $448,451,500 | 1,575 |
| Average earning assets | $412,168,000 | 1,581 |
| Average equity | $42,867,500 | 1,744 |
| Average total loans | $371,609,500 | 1,327 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 502 |
| Cost of funding earning assets | 0.6587% | 1,013 |
| Net interest margin | 4.4378% | 715 |
| Noninterest income to average assets | 0.3480% | 4,245 |
| Noninterest expense to average assets | 2.9415% | 2,524 |
| Loan and lease loss provision to assets | -0.0670% | 5,624 |
| Net operating income to assets | 1.5290% | 784 |
| Return on assets (ROA) | 1.5290% | 810 |
| Pretax return on assets | 1.5290% | 1,497 |
| Return on Equity (ROE) | 15.8151% | 526 |
| Retained earnings to average equity (ytd only) | 8.5248% | 693 |
| Net charge-offs to loans | -0.2278% | 5,763 |
| Credit loss provision to net charge-offs | 36.3057% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6702% | 3,485 |
| Assets per employee ($millions) | 3.0455% | 5,312 |
| Cash dividends to net income (ytd only)* | 46.0971% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,808 |
| Loan loss allowance to noncurrent loans | 389.1336% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 3,293 |
| Noncurrent loans to loans | 0.3768% | 3,776 |
| Net loans and leases to total assets | 80.6612% | 790 |
| Net loans and leases to deposits | 101.1995% | 587 |
| Net loans and leases to core deposits | 105.3189% | 1,174 |
| Total domestic deposits to total assets | 79.7052% | 4,634 |
| Equity capital to assets | 9.6565% | 4,109 |
| Core capital (leverage) ratio | 9.5964% | 3,970 |
| Tier 1 risk-based capital ratio | 12.2323% | 4,549 |
| Total risk-based capital ratio | 13.4857% | 4,425 |
| Memoranda: | ||
| Average total assets | $425,626,200 | 1,597 |
| Average earning assets | $388,974,200 | 1,610 |
| Average equity | $41,150,600 | 1,795 |
| Average total loans | $344,648,000 | 1,355 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 509 |
| Cost of funding earning assets | 0.6043% | 1,291 |
| Net interest margin | 4.4850% | 654 |
| Noninterest income to average assets | 0.4715% | 3,421 |
| Noninterest expense to average assets | 2.9339% | 2,525 |
| Loan and lease loss provision to assets | -0.0949% | 5,785 |
| Net operating income to assets | 1.7256% | 569 |
| Return on assets (ROA) | 1.7256% | 600 |
| Pretax return on assets | 1.7256% | 1,047 |
| Return on Equity (ROE) | 17.8427% | 370 |
| Retained earnings to average equity (ytd only) | 9.6685% | 648 |
| Net charge-offs to loans | -0.2319% | 5,795 |
| Credit loss provision to net charge-offs | 50.6757% | 3,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1496% | 3,907 |
| Assets per employee ($millions) | 3.0607% | 5,331 |
| Cash dividends to net income (ytd only)* | 45.8127% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 2,097 |
| Loan loss allowance to noncurrent loans | 287.1968% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 2,718 |
| Noncurrent loans to loans | 0.4951% | 3,514 |
| Net loans and leases to total assets | 80.1055% | 877 |
| Net loans and leases to deposits | 102.3642% | 546 |
| Net loans and leases to core deposits | 106.8424% | 1,121 |
| Total domestic deposits to total assets | 78.2554% | 4,869 |
| Equity capital to assets | 9.5597% | 4,601 |
| Core capital (leverage) ratio | 9.6909% | 3,949 |
| Tier 1 risk-based capital ratio | 11.9755% | 4,804 |
| Total risk-based capital ratio | 13.2280% | 4,701 |
| Memoranda: | ||
| Average total assets | $421,632,750 | 1,610 |
| Average earning assets | $384,798,000 | 1,626 |
| Average equity | $40,777,500 | 1,832 |
| Average total loans | $340,435,000 | 1,371 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 490 |
| Cost of funding earning assets | 0.5922% | 1,381 |
| Net interest margin | 4.5099% | 608 |
| Noninterest income to average assets | 0.4730% | 3,389 |
| Noninterest expense to average assets | 2.9369% | 2,560 |
| Loan and lease loss provision to assets | -0.1445% | 5,910 |
| Net operating income to assets | 1.7998% | 473 |
| Return on assets (ROA) | 1.7998% | 500 |
| Pretax return on assets | 1.7998% | 881 |
| Return on Equity (ROE) | 18.5341% | 324 |
| Retained earnings to average equity (ytd only) | 8.6149% | 966 |
| Net charge-offs to loans | -0.3246% | 5,900 |
| Credit loss provision to net charge-offs | 55.2486% | 2,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8280% | 4,053 |
| Assets per employee ($millions) | 3.0025% | 5,429 |
| Cash dividends to net income (ytd only)* | 53.5189% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 2,133 |
| Loan loss allowance to noncurrent loans | 217.6521% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 2,353 |
| Noncurrent loans to loans | 0.6593% | 3,096 |
| Net loans and leases to total assets | 81.2491% | 717 |
| Net loans and leases to deposits | 105.3209% | 391 |
| Net loans and leases to core deposits | 109.2751% | 965 |
| Total domestic deposits to total assets | 77.1444% | 5,144 |
| Equity capital to assets | 9.5957% | 4,675 |
| Core capital (leverage) ratio | 9.6192% | 4,041 |
| Tier 1 risk-based capital ratio | 11.7381% | 5,012 |
| Total risk-based capital ratio | 12.9905% | 4,893 |
| Memoranda: | ||
| Average total assets | $415,265,670 | 1,631 |
| Average earning assets | $379,295,670 | 1,646 |
| Average equity | $40,325,670 | 1,843 |
| Average total loans | $334,532,000 | 1,395 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 540 |
| Cost of funding earning assets | 0.5787% | 1,488 |
| Net interest margin | 4.4595% | 658 |
| Noninterest income to average assets | 0.4813% | 3,248 |
| Noninterest expense to average assets | 3.0548% | 2,226 |
| Loan and lease loss provision to assets | -0.2929% | 6,049 |
| Net operating income to assets | 1.7973% | 469 |
| Return on assets (ROA) | 1.7973% | 503 |
| Pretax return on assets | 1.7973% | 853 |
| Return on Equity (ROE) | 18.3951% | 325 |
| Retained earnings to average equity (ytd only) | 15.3975% | 225 |
| Net charge-offs to loans | -0.3962% | 5,967 |
| Credit loss provision to net charge-offs | 92.8793% | 1,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8737% | 3,653 |
| Assets per employee ($millions) | 3.0521% | 5,454 |
| Cash dividends to net income (ytd only)* | 16.2955% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,221 |
| Loan loss allowance to noncurrent loans | 205.0595% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 2,246 |
| Noncurrent loans to loans | 0.7050% | 3,084 |
| Net loans and leases to total assets | 78.6354% | 1,006 |
| Net loans and leases to deposits | 100.7590% | 581 |
| Net loans and leases to core deposits | 103.0507% | 1,258 |
| Total domestic deposits to total assets | 78.0431% | 5,140 |
| Equity capital to assets | 9.7582% | 4,388 |
| Core capital (leverage) ratio | 9.9172% | 3,641 |
| Tier 1 risk-based capital ratio | 12.4362% | 4,626 |
| Total risk-based capital ratio | 13.6888% | 4,527 |
| Memoranda: | ||
| Average total assets | $409,719,000 | 1,648 |
| Average earning assets | $374,662,500 | 1,661 |
| Average equity | $40,032,500 | 1,847 |
| Average total loans | $326,070,000 | 1,420 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 502 |
| Cost of funding earning assets | 0.5167% | 2,018 |
| Net interest margin | 4.5980% | 549 |
| Noninterest income to average assets | 0.4083% | 3,973 |
| Noninterest expense to average assets | 2.9083% | 2,832 |
| Loan and lease loss provision to assets | -0.0005% | 5,594 |
| Net operating income to assets | 1.6896% | 591 |
| Return on assets (ROA) | 1.6896% | 607 |
| Pretax return on assets | 1.6896% | 1,026 |
| Return on Equity (ROE) | 16.8483% | 472 |
| Retained earnings to average equity (ytd only) | 0.0838% | 5,471 |
| Net charge-offs to loans | -0.2152% | 5,961 |
| Credit loss provision to net charge-offs | 0.3040% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1261% | 4,421 |
| Assets per employee ($millions) | 2.9948% | 5,523 |
| Cash dividends to net income (ytd only)* | 99.5025% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,970 |
| Loan loss allowance to noncurrent loans | 243.9024% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 2,329 |
| Noncurrent loans to loans | 0.6179% | 3,326 |
| Net loans and leases to total assets | 78.1740% | 1,094 |
| Net loans and leases to deposits | 97.9624% | 818 |
| Net loans and leases to core deposits | 99.6329% | 1,540 |
| Total domestic deposits to total assets | 79.8000% | 4,795 |
| Equity capital to assets | 9.7838% | 4,206 |
| Core capital (leverage) ratio | 9.6532% | 3,970 |
| Tier 1 risk-based capital ratio | 12.4400% | 4,671 |
| Total risk-based capital ratio | 13.6934% | 4,563 |
| Memoranda: | ||
| Average total assets | $392,569,400 | 1,676 |
| Average earning assets | $357,658,400 | 1,691 |
| Average equity | $39,369,000 | 1,827 |
| Average total loans | $305,821,200 | 1,450 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 515 |
| Cost of funding earning assets | 0.5151% | 2,081 |
| Net interest margin | 4.5872% | 559 |
| Noninterest income to average assets | 0.4078% | 4,024 |
| Noninterest expense to average assets | 2.8644% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7189% | 600 |
| Return on assets (ROA) | 1.7189% | 624 |
| Pretax return on assets | 1.7189% | 1,055 |
| Return on Equity (ROE) | 17.0336% | 463 |
| Retained earnings to average equity (ytd only) | 0.6193% | 5,434 |
| Net charge-offs to loans | -0.1101% | 5,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3621% | 4,518 |
| Assets per employee ($millions) | 3.0671% | 5,469 |
| Cash dividends to net income (ytd only)* | 96.3641% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 2,623 |
| Loan loss allowance to noncurrent loans | 189.8876% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 2,196 |
| Noncurrent loans to loans | 0.7353% | 3,129 |
| Net loans and leases to total assets | 78.4281% | 1,034 |
| Net loans and leases to deposits | 99.0023% | 726 |
| Net loans and leases to core deposits | 100.4786% | 1,474 |
| Total domestic deposits to total assets | 79.2185% | 4,927 |
| Equity capital to assets | 9.9692% | 4,189 |
| Core capital (leverage) ratio | 9.8749% | 3,805 |
| Tier 1 risk-based capital ratio | 12.5331% | 4,736 |
| Total risk-based capital ratio | 13.7849% | 4,638 |
| Memoranda: | ||
| Average total assets | $390,387,500 | 1,698 |
| Average earning assets | $355,360,250 | 1,710 |
| Average equity | $39,395,750 | 1,834 |
| Average total loans | $302,649,000 | 1,466 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 548 |
| Cost of funding earning assets | 0.5183% | 2,081 |
| Net interest margin | 4.5417% | 584 |
| Noninterest income to average assets | 0.3170% | 4,687 |
| Noninterest expense to average assets | 2.8917% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5604% | 814 |
| Return on assets (ROA) | 1.5604% | 841 |
| Pretax return on assets | 1.5604% | 1,454 |
| Return on Equity (ROE) | 15.3988% | 678 |
| Retained earnings to average equity (ytd only) | 0.6704% | 5,295 |
| Net charge-offs to loans | -0.0984% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8133% | 4,224 |
| Assets per employee ($millions) | 3.0219% | 5,571 |
| Cash dividends to net income (ytd only)* | 95.6464% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 2,804 |
| Loan loss allowance to noncurrent loans | 132.1528% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3985% | 1,792 |
| Noncurrent loans to loans | 1.0523% | 2,537 |
| Net loans and leases to total assets | 77.4503% | 1,143 |
| Net loans and leases to deposits | 99.5120% | 695 |
| Net loans and leases to core deposits | 100.9379% | 1,414 |
| Total domestic deposits to total assets | 77.8301% | 5,308 |
| Equity capital to assets | 10.0274% | 4,005 |
| Core capital (leverage) ratio | 10.0817% | 3,490 |
| Tier 1 risk-based capital ratio | 12.5864% | 4,751 |
| Total risk-based capital ratio | 13.8378% | 4,669 |
| Memoranda: | ||
| Average total assets | $388,630,330 | 1,711 |
| Average earning assets | $353,829,330 | 1,729 |
| Average equity | $39,379,670 | 1,848 |
| Average total loans | $298,631,330 | 1,486 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 599 |
| Cost of funding earning assets | 0.5267% | 2,037 |
| Net interest margin | 4.4430% | 670 |
| Noninterest income to average assets | 0.2867% | 4,875 |
| Noninterest expense to average assets | 2.9287% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4002% | 1,036 |
| Return on assets (ROA) | 1.4002% | 1,089 |
| Pretax return on assets | 1.4002% | 1,891 |
| Return on Equity (ROE) | 13.7453% | 928 |
| Retained earnings to average equity (ytd only) | 0.5384% | 5,212 |
| Net charge-offs to loans | -0.0627% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5114% | 3,905 |
| Assets per employee ($millions) | 2.9925% | 5,668 |
| Cash dividends to net income (ytd only)* | 96.0828% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 2,822 |
| Loan loss allowance to noncurrent loans | 136.5711% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4569% | 1,813 |
| Noncurrent loans to loans | 1.0414% | 2,681 |
| Net loans and leases to total assets | 76.4164% | 1,156 |
| Net loans and leases to deposits | 95.4946% | 866 |
| Net loans and leases to core deposits | 96.7383% | 1,573 |
| Total domestic deposits to total assets | 80.0217% | 5,045 |
| Equity capital to assets | 10.3673% | 3,693 |
| Core capital (leverage) ratio | 10.1125% | 3,454 |
| Tier 1 risk-based capital ratio | 13.2856% | 4,447 |
| Total risk-based capital ratio | 14.5376% | 4,357 |
| Memoranda: | ||
| Average total assets | $386,524,000 | 1,725 |
| Average earning assets | $351,655,000 | 1,752 |
| Average equity | $39,373,500 | 1,863 |
| Average total loans | $293,672,500 | 1,509 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 882 |
| Cost of funding earning assets | 0.6330% | 1,527 |
| Net interest margin | 4.2928% | 1,073 |
| Noninterest income to average assets | 0.3364% | 4,704 |
| Noninterest expense to average assets | 2.5889% | 4,260 |
| Loan and lease loss provision to assets | 0.0100% | 4,425 |
| Net operating income to assets | 1.6541% | 633 |
| Return on assets (ROA) | 1.6435% | 672 |
| Pretax return on assets | 1.6435% | 1,112 |
| Return on Equity (ROE) | 16.6894% | 527 |
| Retained earnings to average equity (ytd only) | -5.9462% | 6,217 |
| Net charge-offs to loans | -0.0259% | 5,755 |
| Credit loss provision to net charge-offs | -53.8462% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7109% | 5,112 |
| Assets per employee ($millions) | 3.1796% | 5,458 |
| Cash dividends to net income (ytd only)* | 135.6286% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,400 |
| Loan loss allowance to noncurrent loans | 86.0759% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 1,933 |
| Noncurrent loans to loans | 1.5154% | 1,936 |
| Net loans and leases to total assets | 72.8916% | 1,778 |
| Net loans and leases to deposits | 91.1824% | 1,384 |
| Net loans and leases to core deposits | 91.9355% | 2,096 |
| Total domestic deposits to total assets | 79.9404% | 5,039 |
| Equity capital to assets | 9.3730% | 4,885 |
| Core capital (leverage) ratio | 9.1853% | 4,699 |
| Tier 1 risk-based capital ratio | 12.9324% | 4,768 |
| Total risk-based capital ratio | 14.1836% | 4,687 |
| Memoranda: | ||
| Average total assets | $349,920,800 | 1,858 |
| Average earning assets | $319,253,200 | 1,874 |
| Average equity | $34,459,000 | 2,026 |
| Average total loans | $250,696,200 | 1,684 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 896 |
| Cost of funding earning assets | 0.6723% | 1,306 |
| Net interest margin | 4.2460% | 1,171 |
| Noninterest income to average assets | 0.3838% | 4,365 |
| Noninterest expense to average assets | 2.5489% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7008% | 611 |
| Return on assets (ROA) | 1.7008% | 641 |
| Pretax return on assets | 1.7008% | 1,068 |
| Return on Equity (ROE) | 17.0630% | 538 |
| Retained earnings to average equity (ytd only) | -1.3255% | 6,006 |
| Net charge-offs to loans | -0.2052% | 6,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8167% | 5,205 |
| Assets per employee ($millions) | 3.1014% | 5,591 |
| Cash dividends to net income (ytd only)* | 107.7683% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,009 |
| Loan loss allowance to noncurrent loans | 84.7996% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6820% | 1,802 |
| Noncurrent loans to loans | 1.6929% | 1,920 |
| Net loans and leases to total assets | 71.5005% | 1,937 |
| Net loans and leases to deposits | 92.5186% | 1,183 |
| Net loans and leases to core deposits | 92.9828% | 1,957 |
| Total domestic deposits to total assets | 77.2822% | 5,629 |
| Equity capital to assets | 9.8246% | 4,391 |
| Core capital (leverage) ratio | 9.8370% | 3,892 |
| Tier 1 risk-based capital ratio | 13.6473% | 4,447 |
| Total risk-based capital ratio | 14.9000% | 4,385 |
| Memoranda: | ||
| Average total assets | $349,166,250 | 1,872 |
| Average earning assets | $317,908,750 | 1,892 |
| Average equity | $34,803,500 | 2,013 |
| Average total loans | $248,204,500 | 1,710 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 942 |
| Cost of funding earning assets | 0.7361% | 984 |
| Net interest margin | 4.1440% | 1,398 |
| Noninterest income to average assets | 0.3923% | 4,294 |
| Noninterest expense to average assets | 2.4573% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7043% | 572 |
| Return on assets (ROA) | 1.7043% | 599 |
| Pretax return on assets | 1.7043% | 1,012 |
| Return on Equity (ROE) | 17.0160% | 549 |
| Retained earnings to average equity (ytd only) | -2.2225% | 6,019 |
| Net charge-offs to loans | -0.1475% | 6,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8804% | 5,448 |
| Assets per employee ($millions) | 3.1362% | 5,537 |
| Cash dividends to net income (ytd only)* | 113.0611% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 3,525 |
| Loan loss allowance to noncurrent loans | 75.9878% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.8387% | 1,767 |
| Noncurrent loans to loans | 1.7942% | 1,917 |
| Net loans and leases to total assets | 73.0024% | 1,574 |
| Net loans and leases to deposits | 95.5116% | 839 |
| Net loans and leases to core deposits | 95.9322% | 1,607 |
| Total domestic deposits to total assets | 76.4331% | 5,865 |
| Equity capital to assets | 10.0638% | 4,017 |
| Core capital (leverage) ratio | 9.8370% | 3,834 |
| Tier 1 risk-based capital ratio | 13.5563% | 4,550 |
| Total risk-based capital ratio | 14.8081% | 4,484 |
| Memoranda: | ||
| Average total assets | $347,701,670 | 1,878 |
| Average earning assets | $316,263,000 | 1,896 |
| Average equity | $34,826,000 | 2,003 |
| Average total loans | $245,446,330 | 1,725 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,285 |
| Cost of funding earning assets | 0.8447% | 597 |
| Net interest margin | 3.8429% | 2,295 |
| Noninterest income to average assets | 0.3220% | 4,789 |
| Noninterest expense to average assets | 2.2815% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5332% | 761 |
| Return on assets (ROA) | 1.5332% | 797 |
| Pretax return on assets | 1.5332% | 1,332 |
| Return on Equity (ROE) | 15.3440% | 725 |
| Retained earnings to average equity (ytd only) | -4.7248% | 6,103 |
| Net charge-offs to loans | -0.0649% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6275% | 5,450 |
| Assets per employee ($millions) | 3.2377% | 5,471 |
| Cash dividends to net income (ytd only)* | 130.7922% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,815 |
| Loan loss allowance to noncurrent loans | 62.5398% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.4452% | 1,316 |
| Noncurrent loans to loans | 2.1684% | 1,685 |
| Net loans and leases to total assets | 69.4602% | 1,987 |
| Net loans and leases to deposits | 90.6387% | 1,075 |
| Net loans and leases to core deposits | 91.0314% | 1,826 |
| Total domestic deposits to total assets | 76.6341% | 6,007 |
| Equity capital to assets | 9.9191% | 3,942 |
| Core capital (leverage) ratio | 9.9564% | 3,627 |
| Tier 1 risk-based capital ratio | 13.5665% | 4,631 |
| Total risk-based capital ratio | 14.8175% | 4,578 |
| Memoranda: | ||
| Average total assets | $349,063,000 | 1,880 |
| Average earning assets | $317,258,000 | 1,901 |
| Average equity | $34,880,000 | 1,989 |
| Average total loans | $240,507,500 | 1,758 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 1,109 |
| Cost of funding earning assets | 0.5992% | 2,665 |
| Net interest margin | 4.2949% | 1,119 |
| Noninterest income to average assets | 0.1837% | 5,991 |
| Noninterest expense to average assets | 2.4288% | 4,996 |
| Loan and lease loss provision to assets | 0.1077% | 3,000 |
| Net operating income to assets | 1.5576% | 746 |
| Return on assets (ROA) | 1.5576% | 772 |
| Pretax return on assets | 1.5576% | 1,276 |
| Return on Equity (ROE) | 15.2060% | 725 |
| Retained earnings to average equity (ytd only) | -9.8910% | 6,533 |
| Net charge-offs to loans | 0.0745% | 4,166 |
| Credit loss provision to net charge-offs | 212.9944% | 1,081 |
| Earnings coverage of net charge-offs (x) | 32.9379% | 1,090 |
| Efficiency ratio | 59.1572% | 5,583 |
| Assets per employee ($millions) | 3.2265% | 5,433 |
| Cash dividends to net income (ytd only)* | 165.0468% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 3,628 |
| Loan loss allowance to noncurrent loans | 64.9478% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.5639% | 1,327 |
| Noncurrent loans to loans | 2.1640% | 1,813 |
| Net loans and leases to total assets | 66.4344% | 2,624 |
| Net loans and leases to deposits | 87.4147% | 1,531 |
| Net loans and leases to core deposits | 87.7973% | 2,266 |
| Total domestic deposits to total assets | 75.9991% | 6,094 |
| Equity capital to assets | 10.0661% | 3,676 |
| Core capital (leverage) ratio | 9.9525% | 3,641 |
| Tier 1 risk-based capital ratio | 14.3074% | 4,078 |
| Total risk-based capital ratio | 15.5589% | 4,019 |
| Memoranda: | ||
| Average total assets | $350,097,400 | 1,850 |
| Average earning assets | $318,747,800 | 1,869 |
| Average equity | $35,860,800 | 1,922 |
| Average total loans | $237,454,400 | 1,750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 1,074 |
| Cost of funding earning assets | 0.6154% | 2,683 |
| Net interest margin | 4.3101% | 1,070 |
| Noninterest income to average assets | 0.2404% | 5,715 |
| Noninterest expense to average assets | 2.3421% | 5,207 |
| Loan and lease loss provision to assets | 0.1426% | 2,504 |
| Net operating income to assets | 1.6829% | 637 |
| Return on assets (ROA) | 1.6829% | 675 |
| Pretax return on assets | 1.6829% | 1,139 |
| Return on Equity (ROE) | 16.3589% | 599 |
| Retained earnings to average equity (ytd only) | -13.2232% | 6,686 |
| Net charge-offs to loans | 0.0168% | 4,791 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 159.9628% | 351 |
| Efficiency ratio | 56.0332% | 5,896 |
| Assets per employee ($millions) | 3.0597% | 5,752 |
| Cash dividends to net income (ytd only)* | 180.8318% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,600 |
| Loan loss allowance to noncurrent loans | 105.7073% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.2427% | 1,766 |
| Noncurrent loans to loans | 1.3893% | 3,091 |
| Net loans and leases to total assets | 66.8481% | 2,494 |
| Net loans and leases to deposits | 88.5330% | 1,309 |
| Net loans and leases to core deposits | 88.8338% | 2,094 |
| Total domestic deposits to total assets | 75.5064% | 6,225 |
| Equity capital to assets | 10.1473% | 3,703 |
| Core capital (leverage) ratio | 9.8889% | 3,831 |
| Tier 1 risk-based capital ratio | 14.2369% | 4,263 |
| Total risk-based capital ratio | 15.4891% | 4,207 |
| Memoranda: | ||
| Average total assets | $350,507,250 | 1,861 |
| Average earning assets | $319,366,250 | 1,875 |
| Average equity | $36,057,000 | 1,926 |
| Average total loans | $238,119,000 | 1,742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,102 |
| Cost of funding earning assets | 0.6275% | 2,706 |
| Net interest margin | 4.2707% | 1,089 |
| Noninterest income to average assets | 0.2931% | 5,353 |
| Noninterest expense to average assets | 2.3710% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8228% | 491 |
| Return on assets (ROA) | 1.8228% | 527 |
| Pretax return on assets | 1.8228% | 890 |
| Return on Equity (ROE) | 17.6409% | 494 |
| Retained earnings to average equity (ytd only) | -20.8404% | 6,808 |
| Net charge-offs to loans | -0.0969% | 6,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3727% | 5,920 |
| Assets per employee ($millions) | 3.1822% | 5,527 |
| Cash dividends to net income (ytd only)* | 218.1365% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,364 |
| Loan loss allowance to noncurrent loans | 83.9468% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 1,683 |
| Noncurrent loans to loans | 1.5836% | 2,934 |
| Net loans and leases to total assets | 68.8168% | 2,091 |
| Net loans and leases to deposits | 91.5369% | 1,010 |
| Net loans and leases to core deposits | 91.7268% | 1,736 |
| Total domestic deposits to total assets | 75.1793% | 6,341 |
| Equity capital to assets | 10.0634% | 3,836 |
| Core capital (leverage) ratio | 9.8290% | 3,755 |
| Tier 1 risk-based capital ratio | 14.0608% | 4,379 |
| Total risk-based capital ratio | 15.3118% | 4,340 |
| Memoranda: | ||
| Average total assets | $352,093,670 | 1,851 |
| Average earning assets | $321,583,000 | 1,864 |
| Average equity | $36,381,330 | 1,923 |
| Average total loans | $239,301,670 | 1,729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,282 |
| Cost of funding earning assets | 0.6354% | 2,789 |
| Net interest margin | 4.1696% | 1,279 |
| Noninterest income to average assets | 0.2898% | 5,384 |
| Noninterest expense to average assets | 2.4076% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7005% | 585 |
| Return on assets (ROA) | 1.7005% | 646 |
| Pretax return on assets | 1.7005% | 1,073 |
| Return on Equity (ROE) | 16.2504% | 580 |
| Retained earnings to average equity (ytd only) | -41.9408% | 6,944 |
| Net charge-offs to loans | -0.0756% | 6,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4408% | 5,794 |
| Assets per employee ($millions) | 3.3151% | 5,403 |
| Cash dividends to net income (ytd only)* | 358.0902% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,596 |
| Loan loss allowance to noncurrent loans | 52.7331% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5096% | 1,836 |
| Noncurrent loans to loans | 2.5016% | 2,066 |
| Net loans and leases to total assets | 66.3264% | 2,308 |
| Net loans and leases to deposits | 88.1721% | 1,130 |
| Net loans and leases to core deposits | 88.5171% | 1,853 |
| Total domestic deposits to total assets | 75.2238% | 6,437 |
| Equity capital to assets | 9.9036% | 4,270 |
| Core capital (leverage) ratio | 9.7886% | 3,676 |
| Tier 1 risk-based capital ratio | 13.9994% | 4,501 |
| Total risk-based capital ratio | 15.2500% | 4,462 |
| Memoranda: | ||
| Average total assets | $354,710,500 | 1,868 |
| Average earning assets | $324,825,000 | 1,862 |
| Average equity | $37,119,000 | 1,909 |
| Average total loans | $237,995,500 | 1,744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 340 |
| Cost of funding earning assets | 0.9186% | 1,825 |
| Net interest margin | 4.9307% | 425 |
| Noninterest income to average assets | 0.4087% | 4,537 |
| Noninterest expense to average assets | 3.1942% | 2,632 |
| Loan and lease loss provision to assets | 1.4518% | 222 |
| Net operating income to assets | 0.2204% | 5,734 |
| Return on assets (ROA) | 0.3529% | 5,508 |
| Pretax return on assets | 0.3529% | 5,705 |
| Return on Equity (ROE) | 3.2616% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.2616% | 3,932 |
| Net charge-offs to loans | 2.0964% | 341 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.1518% | 4,885 |
| Efficiency ratio | 65.4901% | 4,602 |
| Assets per employee ($millions) | 3.2844% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,608 |
| Loan loss allowance to noncurrent loans | 49.6477% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.6405% | 1,837 |
| Noncurrent loans to loans | 2.6282% | 2,013 |
| Net loans and leases to total assets | 66.1044% | 2,510 |
| Net loans and leases to deposits | 89.7225% | 1,096 |
| Net loans and leases to core deposits | 90.0806% | 1,824 |
| Total domestic deposits to total assets | 73.6765% | 6,562 |
| Equity capital to assets | 11.0256% | 2,921 |
| Core capital (leverage) ratio | 10.5660% | 2,686 |
| Tier 1 risk-based capital ratio | 15.4623% | 3,451 |
| Total risk-based capital ratio | 16.7125% | 3,412 |
| Memoranda: | ||
| Average total assets | $331,254,200 | 1,947 |
| Average earning assets | $299,469,600 | 1,975 |
| Average equity | $35,841,600 | 1,931 |
| Average total loans | $229,393,800 | 1,780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0922% | 251 |
| Cost of funding earning assets | 0.9982% | 1,570 |
| Net interest margin | 5.0939% | 340 |
| Noninterest income to average assets | 0.4270% | 4,425 |
| Noninterest expense to average assets | 3.0195% | 3,166 |
| Loan and lease loss provision to assets | 1.2702% | 283 |
| Net operating income to assets | 0.7310% | 3,768 |
| Return on assets (ROA) | 0.9109% | 3,159 |
| Pretax return on assets | 0.9109% | 4,063 |
| Return on Equity (ROE) | 8.4624% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.4624% | 1,421 |
| Net charge-offs to loans | 2.0297% | 353 |
| Credit loss provision to net charge-offs | 89.5695% | 3,310 |
| Earnings coverage of net charge-offs (x) | 1.4112% | 4,588 |
| Efficiency ratio | 59.9935% | 5,501 |
| Assets per employee ($millions) | 3.3728% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,705 |
| Loan loss allowance to noncurrent loans | 52.1416% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.5881% | 2,039 |
| Noncurrent loans to loans | 2.1184% | 2,706 |
| Net loans and leases to total assets | 68.5935% | 2,193 |
| Net loans and leases to deposits | 93.6380% | 817 |
| Net loans and leases to core deposits | 94.0106% | 1,588 |
| Total domestic deposits to total assets | 73.2539% | 6,662 |
| Equity capital to assets | 11.2536% | 2,971 |
| Core capital (leverage) ratio | 10.6708% | 2,733 |
| Tier 1 risk-based capital ratio | 15.3398% | 3,624 |
| Total risk-based capital ratio | 16.4116% | 3,682 |
| Memoranda: | ||
| Average total assets | $325,390,250 | 1,999 |
| Average earning assets | $293,440,000 | 2,033 |
| Average equity | $35,024,750 | 1,995 |
| Average total loans | $227,347,500 | 1,805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3764% | 170 |
| Cost of funding earning assets | 1.1151% | 1,150 |
| Net interest margin | 5.2614% | 255 |
| Noninterest income to average assets | 1.1281% | 1,121 |
| Noninterest expense to average assets | 3.1289% | 2,818 |
| Loan and lease loss provision to assets | 1.6525% | 207 |
| Net operating income to assets | 1.0639% | 2,188 |
| Return on assets (ROA) | 1.3430% | 1,481 |
| Pretax return on assets | 1.3430% | 2,411 |
| Return on Equity (ROE) | 12.6951% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.6951% | 477 |
| Net charge-offs to loans | 2.6389% | 255 |
| Credit loss provision to net charge-offs | 89.3778% | 3,070 |
| Earnings coverage of net charge-offs (x) | 1.4692% | 4,266 |
| Efficiency ratio | 53.3978% | 6,379 |
| Assets per employee ($millions) | 3.3465% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,735 |
| Loan loss allowance to noncurrent loans | 88.9987% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.2312% | 2,508 |
| Noncurrent loans to loans | 1.2497% | 4,051 |
| Net loans and leases to total assets | 66.8015% | 2,504 |
| Net loans and leases to deposits | 91.7574% | 975 |
| Net loans and leases to core deposits | 92.1106% | 1,770 |
| Total domestic deposits to total assets | 72.8024% | 6,760 |
| Equity capital to assets | 10.7856% | 3,356 |
| Core capital (leverage) ratio | 10.4232% | 2,897 |
| Tier 1 risk-based capital ratio | 15.3738% | 3,524 |
| Total risk-based capital ratio | 16.4716% | 3,583 |
| Memoranda: | ||
| Average total assets | $314,680,000 | 2,063 |
| Average earning assets | $282,132,000 | 2,110 |
| Average equity | $33,288,330 | 2,075 |
| Average total loans | $220,471,670 | 1,846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9984% | 86 |
| Cost of funding earning assets | 1.2477% | 784 |
| Net interest margin | 5.7507% | 128 |
| Noninterest income to average assets | 3.7193% | 185 |
| Noninterest expense to average assets | 3.4399% | 1,916 |
| Loan and lease loss provision to assets | 3.6327% | 40 |
| Net operating income to assets | 1.8178% | 580 |
| Return on assets (ROA) | 2.4325% | 243 |
| Pretax return on assets | 2.4325% | 368 |
| Return on Equity (ROE) | 23.2910% | 232 |
| Retained earnings to average equity (ytd only) | 23.2910% | 116 |
| Net charge-offs to loans | 4.7710% | 104 |
| Credit loss provision to net charge-offs | 106.2092% | 2,182 |
| Earnings coverage of net charge-offs (x) | 1.5935% | 3,531 |
| Efficiency ratio | 38.5824% | 7,135 |
| Assets per employee ($millions) | 3.3650% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,115 |
| Loan loss allowance to noncurrent loans | 59.1488% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 3.1750% | 1,822 |
| Noncurrent loans to loans | 2.1612% | 2,956 |
| Net loans and leases to total assets | 66.0481% | 2,460 |
| Net loans and leases to deposits | 90.2054% | 947 |
| Net loans and leases to core deposits | 90.5847% | 1,791 |
| Total domestic deposits to total assets | 73.2197% | 6,812 |
| Equity capital to assets | 10.3834% | 3,632 |
| Core capital (leverage) ratio | 10.1878% | 3,127 |
| Tier 1 risk-based capital ratio | 14.8042% | 3,888 |
| Total risk-based capital ratio | 16.0480% | 3,855 |
| Memoranda: | ||
| Average total assets | $286,287,000 | 2,275 |
| Average earning assets | $257,431,000 | 2,303 |
| Average equity | $29,900,000 | 2,270 |
| Average total loans | $205,239,500 | 1,978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3468% | 237 |
| Cost of funding earning assets | 1.4462% | 866 |
| Net interest margin | 4.9006% | 508 |
| Noninterest income to average assets | 0.3620% | 4,922 |
| Noninterest expense to average assets | 2.4516% | 5,632 |
| Loan and lease loss provision to assets | 0.2542% | 3,667 |
| Net operating income to assets | 2.1204% | 258 |
| Return on assets (ROA) | 2.1204% | 277 |
| Pretax return on assets | 2.1204% | 429 |
| Return on Equity (ROE) | 20.6615% | 237 |
| Retained earnings to average equity (ytd only) | 0.4588% | 5,620 |
| Net charge-offs to loans | 0.4115% | 3,364 |
| Credit loss provision to net charge-offs | 76.9939% | 4,597 |
| Earnings coverage of net charge-offs (x) | 7.1933% | 2,380 |
| Efficiency ratio | 50.7973% | 6,789 |
| Assets per employee ($millions) | 3.3741% | 5,316 |
| Cash dividends to net income (ytd only)* | 97.7794% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 2,324 |
| Loan loss allowance to noncurrent loans | 86.3750% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.8661% | 3,165 |
| Noncurrent loans to loans | 2.2995% | 2,855 |
| Net loans and leases to total assets | 79.5423% | 542 |
| Net loans and leases to deposits | 107.8236% | 211 |
| Net loans and leases to core deposits | 108.0414% | 700 |
| Total domestic deposits to total assets | 73.7708% | 6,736 |
| Equity capital to assets | 10.5639% | 3,459 |
| Core capital (leverage) ratio | 10.2452% | 3,036 |
| Tier 1 risk-based capital ratio | 13.1253% | 4,973 |
| Total risk-based capital ratio | 14.3844% | 4,941 |
| Memoranda: | ||
| Average total assets | $197,506,200 | 3,082 |
| Average earning assets | $179,917,200 | 3,090 |
| Average equity | $20,269,600 | 3,096 |
| Average total loans | $158,445,600 | 2,523 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2891% | 276 |
| Cost of funding earning assets | 1.5000% | 860 |
| Net interest margin | 4.7891% | 640 |
| Noninterest income to average assets | 0.3098% | 5,385 |
| Noninterest expense to average assets | 2.4191% | 5,712 |
| Loan and lease loss provision to assets | 0.1006% | 5,194 |
| Net operating income to assets | 2.1582% | 267 |
| Return on assets (ROA) | 2.1582% | 284 |
| Pretax return on assets | 2.1582% | 466 |
| Return on Equity (ROE) | 21.1798% | 252 |
| Retained earnings to average equity (ytd only) | 0.4475% | 5,812 |
| Net charge-offs to loans | 0.2725% | 3,736 |
| Credit loss provision to net charge-offs | 46.1538% | 5,117 |
| Earnings coverage of net charge-offs (x) | 10.3631% | 1,931 |
| Efficiency ratio | 51.7133% | 6,704 |
| Assets per employee ($millions) | 3.4890% | 5,035 |
| Cash dividends to net income (ytd only)* | 97.8870% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 2,522 |
| Loan loss allowance to noncurrent loans | 94.5863% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 3,636 |
| Noncurrent loans to loans | 2.0451% | 3,310 |
| Net loans and leases to total assets | 78.3895% | 672 |
| Net loans and leases to deposits | 105.7461% | 257 |
| Net loans and leases to core deposits | 106.0222% | 863 |
| Total domestic deposits to total assets | 74.1300% | 6,741 |
| Equity capital to assets | 10.2036% | 4,079 |
| Core capital (leverage) ratio | 10.2057% | 3,187 |
| Tier 1 risk-based capital ratio | 12.8826% | 5,184 |
| Total risk-based capital ratio | 14.1415% | 5,156 |
| Memoranda: | ||
| Average total assets | $198,801,750 | 3,088 |
| Average earning assets | $181,325,000 | 3,093 |
| Average equity | $20,257,750 | 3,108 |
| Average total loans | $159,037,250 | 2,526 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2454% | 303 |
| Cost of funding earning assets | 1.5382% | 870 |
| Net interest margin | 4.7072% | 712 |
| Noninterest income to average assets | 0.2032% | 6,212 |
| Noninterest expense to average assets | 2.3976% | 5,853 |
| Loan and lease loss provision to assets | 0.1509% | 4,423 |
| Net operating income to assets | 1.9529% | 369 |
| Return on assets (ROA) | 1.9529% | 388 |
| Pretax return on assets | 1.9529% | 640 |
| Return on Equity (ROE) | 19.1738% | 370 |
| Retained earnings to average equity (ytd only) | 0.4050% | 5,682 |
| Net charge-offs to loans | 0.3760% | 3,052 |
| Credit loss provision to net charge-offs | 50.1672% | 4,580 |
| Earnings coverage of net charge-offs (x) | 6.9933% | 2,300 |
| Efficiency ratio | 53.2633% | 6,689 |
| Assets per employee ($millions) | 3.4059% | 5,181 |
| Cash dividends to net income (ytd only)* | 97.8877% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 2,482 |
| Loan loss allowance to noncurrent loans | 106.1259% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 3,991 |
| Noncurrent loans to loans | 1.8465% | 3,686 |
| Net loans and leases to total assets | 78.5349% | 703 |
| Net loans and leases to deposits | 106.5163% | 248 |
| Net loans and leases to core deposits | 106.7971% | 881 |
| Total domestic deposits to total assets | 73.7304% | 6,868 |
| Equity capital to assets | 10.2585% | 3,804 |
| Core capital (leverage) ratio | 10.1769% | 3,059 |
| Tier 1 risk-based capital ratio | 12.8844% | 5,013 |
| Total risk-based capital ratio | 14.1433% | 4,980 |
| Memoranda: | ||
| Average total assets | $198,778,670 | 3,112 |
| Average earning assets | $181,510,330 | 3,105 |
| Average equity | $20,246,330 | 3,089 |
| Average total loans | $159,060,000 | 2,549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1436% | 371 |
| Cost of funding earning assets | 1.5666% | 928 |
| Net interest margin | 4.5770% | 903 |
| Noninterest income to average assets | 0.2909% | 5,585 |
| Noninterest expense to average assets | 2.4173% | 5,833 |
| Loan and lease loss provision to assets | 0.3009% | 2,753 |
| Net operating income to assets | 1.7573% | 529 |
| Return on assets (ROA) | 1.7573% | 557 |
| Pretax return on assets | 1.7573% | 886 |
| Return on Equity (ROE) | 17.3148% | 537 |
| Retained earnings to average equity (ytd only) | 0.5139% | 5,620 |
| Net charge-offs to loans | 0.7475% | 1,723 |
| Credit loss provision to net charge-offs | 50.3356% | 3,741 |
| Earnings coverage of net charge-offs (x) | 3.4430% | 2,741 |
| Efficiency ratio | 54.0117% | 6,696 |
| Assets per employee ($millions) | 3.4405% | 5,144 |
| Cash dividends to net income (ytd only)* | 97.0320% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 2,567 |
| Loan loss allowance to noncurrent loans | 136.7122% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 4,445 |
| Noncurrent loans to loans | 1.4194% | 4,337 |
| Net loans and leases to total assets | 78.5556% | 670 |
| Net loans and leases to deposits | 106.6468% | 236 |
| Net loans and leases to core deposits | 107.4760% | 868 |
| Total domestic deposits to total assets | 73.6596% | 6,932 |
| Equity capital to assets | 10.1479% | 3,596 |
| Core capital (leverage) ratio | 10.2302% | 2,894 |
| Tier 1 risk-based capital ratio | 12.8875% | 4,916 |
| Total risk-based capital ratio | 14.1463% | 4,892 |
| Memoranda: | ||
| Average total assets | $199,396,000 | 3,119 |
| Average earning assets | $182,303,500 | 3,108 |
| Average equity | $20,237,000 | 3,076 |
| Average total loans | $159,469,000 | 2,574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8548% | 184 |
| Cost of funding earning assets | 1.8296% | 1,060 |
| Net interest margin | 5.0252% | 407 |
| Noninterest income to average assets | 0.4502% | 4,511 |
| Noninterest expense to average assets | 2.2325% | 6,534 |
| Loan and lease loss provision to assets | 1.0743% | 1,497 |
| Net operating income to assets | 1.7383% | 478 |
| Return on assets (ROA) | 1.7383% | 521 |
| Pretax return on assets | 1.7383% | 874 |
| Return on Equity (ROE) | 18.0593% | 378 |
| Retained earnings to average equity (ytd only) | 5.7577% | 1,956 |
| Net charge-offs to loans | 1.4289% | 1,554 |
| Credit loss provision to net charge-offs | 93.6170% | 4,965 |
| Earnings coverage of net charge-offs (x) | 2.4511% | 3,904 |
| Efficiency ratio | 44.2509% | 7,408 |
| Assets per employee ($millions) | 3.4352% | 5,097 |
| Cash dividends to net income (ytd only)* | 68.1180% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 2,195 |
| Loan loss allowance to noncurrent loans | 100.2468% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 3,647 |
| Noncurrent loans to loans | 2.0380% | 3,505 |
| Net loans and leases to total assets | 78.2105% | 912 |
| Net loans and leases to deposits | 107.3461% | 283 |
| Net loans and leases to core deposits | 109.4151% | 954 |
| Total domestic deposits to total assets | 72.8583% | 7,010 |
| Equity capital to assets | 10.1504% | 3,559 |
| Core capital (leverage) ratio | 9.9077% | 3,197 |
| Tier 1 risk-based capital ratio | 12.9257% | 4,658 |
| Total risk-based capital ratio | 14.1912% | 4,617 |
| Memoranda: | ||
| Average total assets | $204,793,800 | 3,041 |
| Average earning assets | $187,255,600 | 3,042 |
| Average equity | $19,712,800 | 3,183 |
| Average total loans | $164,457,200 | 2,555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0067% | 144 |
| Cost of funding earning assets | 1.8735% | 1,123 |
| Net interest margin | 5.1332% | 330 |
| Noninterest income to average assets | 0.4443% | 4,604 |
| Noninterest expense to average assets | 2.1676% | 6,693 |
| Loan and lease loss provision to assets | 1.1317% | 1,281 |
| Net operating income to assets | 1.8385% | 460 |
| Return on assets (ROA) | 1.8385% | 507 |
| Pretax return on assets | 1.8385% | 859 |
| Return on Equity (ROE) | 19.3545% | 358 |
| Retained earnings to average equity (ytd only) | 11.3553% | 546 |
| Net charge-offs to loans | 1.4716% | 1,371 |
| Credit loss provision to net charge-offs | 95.6284% | 4,537 |
| Earnings coverage of net charge-offs (x) | 2.5098% | 3,914 |
| Efficiency ratio | 42.1901% | 7,522 |
| Assets per employee ($millions) | 3.4771% | 5,033 |
| Cash dividends to net income (ytd only)* | 41.3297% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 2,088 |
| Loan loss allowance to noncurrent loans | 192.0185% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 5,105 |
| Noncurrent loans to loans | 1.0703% | 5,096 |
| Net loans and leases to total assets | 77.1241% | 1,196 |
| Net loans and leases to deposits | 105.8391% | 367 |
| Net loans and leases to core deposits | 108.3535% | 1,134 |
| Total domestic deposits to total assets | 72.8691% | 7,045 |
| Equity capital to assets | 10.1180% | 3,993 |
| Core capital (leverage) ratio | 10.0454% | 3,207 |
| Tier 1 risk-based capital ratio | 13.0411% | 4,549 |
| Total risk-based capital ratio | 14.3071% | 4,511 |
| Memoranda: | ||
| Average total assets | $206,181,500 | 3,062 |
| Average earning assets | $188,520,000 | 3,061 |
| Average equity | $19,585,000 | 3,241 |
| Average total loans | $165,801,750 | 2,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3374% | 104 |
| Cost of funding earning assets | 1.9198% | 1,164 |
| Net interest margin | 5.4176% | 191 |
| Noninterest income to average assets | 0.4067% | 4,854 |
| Noninterest expense to average assets | 2.0598% | 6,998 |
| Loan and lease loss provision to assets | 1.2589% | 1,109 |
| Net operating income to assets | 2.0453% | 312 |
| Return on assets (ROA) | 2.0453% | 338 |
| Pretax return on assets | 2.0453% | 556 |
| Return on Equity (ROE) | 22.0065% | 215 |
| Retained earnings to average equity (ytd only) | 16.7966% | 165 |
| Net charge-offs to loans | 1.1972% | 1,587 |
| Credit loss provision to net charge-offs | 129.8701% | 3,098 |
| Earnings coverage of net charge-offs (x) | 3.4086% | 3,339 |
| Efficiency ratio | 38.4004% | 7,670 |
| Assets per employee ($millions) | 3.3898% | 5,217 |
| Cash dividends to net income (ytd only)* | 23.6742% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 1,668 |
| Loan loss allowance to noncurrent loans | 179.5631% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 4,849 |
| Noncurrent loans to loans | 1.2537% | 4,873 |
| Net loans and leases to total assets | 77.6786% | 1,167 |
| Net loans and leases to deposits | 106.6343% | 364 |
| Net loans and leases to core deposits | 110.0363% | 1,160 |
| Total domestic deposits to total assets | 72.8458% | 7,112 |
| Equity capital to assets | 10.0114% | 4,015 |
| Core capital (leverage) ratio | 10.0094% | 3,154 |
| Tier 1 risk-based capital ratio | 12.8292% | 4,582 |
| Total risk-based capital ratio | 14.0923% | 4,531 |
| Memoranda: | ||
| Average total assets | $206,525,330 | 3,086 |
| Average earning assets | $188,976,330 | 3,080 |
| Average equity | $19,194,330 | 3,279 |
| Average total loans | $167,222,330 | 2,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2692% | 65 |
| Cost of funding earning assets | 1.9534% | 1,235 |
| Net interest margin | 6.3158% | 82 |
| Noninterest income to average assets | 0.3663% | 5,216 |
| Noninterest expense to average assets | 1.8721% | 7,379 |
| Loan and lease loss provision to assets | 1.3566% | 881 |
| Net operating income to assets | 2.9147% | 100 |
| Return on assets (ROA) | 2.9147% | 105 |
| Pretax return on assets | 2.9147% | 148 |
| Return on Equity (ROE) | 32.6230% | 67 |
| Retained earnings to average equity (ytd only) | 32.6230% | 50 |
| Net charge-offs to loans | 1.6766% | 1,033 |
| Credit loss provision to net charge-offs | 99.0099% | 3,473 |
| Earnings coverage of net charge-offs (x) | 3.1174% | 3,015 |
| Efficiency ratio | 30.4732% | 7,848 |
| Assets per employee ($millions) | 3.5222% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 2,114 |
| Loan loss allowance to noncurrent loans | 387.3288% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 5,728 |
| Noncurrent loans to loans | 0.5232% | 6,242 |
| Net loans and leases to total assets | 80.2998% | 802 |
| Net loans and leases to deposits | 111.1652% | 269 |
| Net loans and leases to core deposits | 114.3644% | 1,024 |
| Total domestic deposits to total assets | 72.2347% | 7,240 |
| Equity capital to assets | 10.0804% | 3,769 |
| Core capital (leverage) ratio | 9.9754% | 3,194 |
| Tier 1 risk-based capital ratio | 12.5993% | 4,643 |
| Total risk-based capital ratio | 13.8597% | 4,597 |
| Memoranda: | ||
| Average total assets | $206,400,500 | 3,139 |
| Average earning assets | $188,796,000 | 3,134 |
| Average equity | $18,441,000 | 3,412 |
| Average total loans | $168,674,000 | 2,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7403% | 424 |
| Cost of funding earning assets | 2.1386% | 2,287 |
| Net interest margin | 4.6017% | 985 |
| Noninterest income to average assets | 0.4854% | 4,523 |
| Noninterest expense to average assets | 2.5914% | 5,826 |
| Loan and lease loss provision to assets | 0.5212% | 3,766 |
| Net operating income to assets | 1.6235% | 517 |
| Return on assets (ROA) | 1.6235% | 551 |
| Pretax return on assets | 1.6235% | 915 |
| Return on Equity (ROE) | 20.5208% | 221 |
| Retained earnings to average equity (ytd only) | 1.2903% | 4,141 |
| Net charge-offs to loans | 0.6346% | 3,298 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 4.1149% | 3,055 |
| Efficiency ratio | 54.7150% | 7,157 |
| Assets per employee ($millions) | 3.4752% | 5,068 |
| Cash dividends to net income (ytd only)* | 93.7122% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 2,025 |
| Loan loss allowance to noncurrent loans | 202.0202% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 4,955 |
| Noncurrent loans to loans | 0.9905% | 5,337 |
| Net loans and leases to total assets | 79.8570% | 1,021 |
| Net loans and leases to deposits | 108.5589% | 438 |
| Net loans and leases to core deposits | 136.9733% | 914 |
| Total domestic deposits to total assets | 73.5610% | 7,079 |
| Equity capital to assets | 7.8119% | 6,753 |
| Core capital (leverage) ratio | 7.8419% | 6,401 |
| Tier 1 risk-based capital ratio | 9.5813% | 7,176 |
| Total risk-based capital ratio | 10.8406% | 7,152 |
| Memoranda: | ||
| Average total assets | $203,753,200 | 3,138 |
| Average earning assets | $188,211,600 | 3,112 |
| Average equity | $16,120,200 | 3,848 |
| Average total loans | $167,353,400 | 2,657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7941% | 424 |
| Cost of funding earning assets | 2.1565% | 2,620 |
| Net interest margin | 4.6376% | 929 |
| Noninterest income to average assets | 0.5536% | 4,057 |
| Noninterest expense to average assets | 2.7428% | 5,135 |
| Loan and lease loss provision to assets | 0.3620% | 4,153 |
| Net operating income to assets | 1.7449% | 512 |
| Return on assets (ROA) | 1.7449% | 539 |
| Pretax return on assets | 1.7449% | 891 |
| Return on Equity (ROE) | 21.9840% | 205 |
| Retained earnings to average equity (ytd only) | 0.4229% | 5,022 |
| Net charge-offs to loans | 0.4887% | 3,269 |
| Credit loss provision to net charge-offs | 90.0164% | 5,479 |
| Earnings coverage of net charge-offs (x) | 5.2389% | 2,890 |
| Efficiency ratio | 56.5554% | 6,928 |
| Assets per employee ($millions) | 3.4643% | 5,017 |
| Cash dividends to net income (ytd only)* | 98.0762% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0246% | 1,737 |
| Loan loss allowance to noncurrent loans | 274.3632% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 5,170 |
| Noncurrent loans to loans | 0.7379% | 5,838 |
| Net loans and leases to total assets | 80.4183% | 1,103 |
| Net loans and leases to deposits | 107.7321% | 571 |
| Net loans and leases to core deposits | 130.9820% | 1,374 |
| Total domestic deposits to total assets | 74.6465% | 6,839 |
| Equity capital to assets | 8.0288% | 6,825 |
| Core capital (leverage) ratio | 8.0258% | 6,313 |
| Tier 1 risk-based capital ratio | 9.8875% | 7,064 |
| Total risk-based capital ratio | 11.1470% | 7,021 |
| Memoranda: | ||
| Average total assets | $202,563,000 | 3,176 |
| Average earning assets | $187,649,000 | 3,142 |
| Average equity | $16,078,000 | 3,897 |
| Average total loans | $166,713,500 | 2,689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8096% | 445 |
| Cost of funding earning assets | 2.2028% | 2,778 |
| Net interest margin | 4.6068% | 942 |
| Noninterest income to average assets | 0.5632% | 3,940 |
| Noninterest expense to average assets | 2.7828% | 5,035 |
| Loan and lease loss provision to assets | 0.3939% | 3,553 |
| Net operating income to assets | 1.6720% | 593 |
| Return on assets (ROA) | 1.6720% | 652 |
| Pretax return on assets | 1.6720% | 1,075 |
| Return on Equity (ROE) | 21.1457% | 276 |
| Retained earnings to average equity (ytd only) | -0.0249% | 5,218 |
| Net charge-offs to loans | 0.4722% | 2,945 |
| Credit loss provision to net charge-offs | 101.2658% | 4,513 |
| Earnings coverage of net charge-offs (x) | 5.3114% | 2,859 |
| Efficiency ratio | 57.3924% | 6,949 |
| Assets per employee ($millions) | 3.4694% | 4,894 |
| Cash dividends to net income (ytd only)* | 100.1178% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0435% | 1,490 |
| Loan loss allowance to noncurrent loans | 270.4527% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 5,040 |
| Noncurrent loans to loans | 0.7556% | 5,725 |
| Net loans and leases to total assets | 81.1140% | 1,114 |
| Net loans and leases to deposits | 106.8702% | 713 |
| Net loans and leases to core deposits | 135.6639% | 1,231 |
| Total domestic deposits to total assets | 75.8995% | 6,574 |
| Equity capital to assets | 7.9904% | 6,760 |
| Core capital (leverage) ratio | 7.9998% | 6,332 |
| Tier 1 risk-based capital ratio | 9.8368% | 7,093 |
| Total risk-based capital ratio | 11.0971% | 7,018 |
| Memoranda: | ||
| Average total assets | $203,108,330 | 3,191 |
| Average earning assets | $188,938,330 | 3,151 |
| Average equity | $16,060,000 | 3,909 |
| Average total loans | $167,311,000 | 2,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0046% | 332 |
| Cost of funding earning assets | 2.3026% | 2,688 |
| Net interest margin | 4.7020% | 760 |
| Noninterest income to average assets | 0.5430% | 3,977 |
| Noninterest expense to average assets | 2.7837% | 4,630 |
| Loan and lease loss provision to assets | 0.4901% | 2,515 |
| Net operating income to assets | 1.6447% | 729 |
| Return on assets (ROA) | 1.6447% | 799 |
| Pretax return on assets | 1.6447% | 1,304 |
| Return on Equity (ROE) | 20.9090% | 369 |
| Retained earnings to average equity (ytd only) | -1.5202% | 6,004 |
| Net charge-offs to loans | 0.3078% | 2,875 |
| Credit loss provision to net charge-offs | 193.7984% | 2,278 |
| Earnings coverage of net charge-offs (x) | 8.4419% | 2,189 |
| Efficiency ratio | 56.5963% | 6,881 |
| Assets per employee ($millions) | 3.4049% | 5,062 |
| Cash dividends to net income (ytd only)* | 107.2706% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 1,190 |
| Loan loss allowance to noncurrent loans | 149.2582% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 3,912 |
| Noncurrent loans to loans | 1.4220% | 4,175 |
| Net loans and leases to total assets | 80.8265% | 1,232 |
| Net loans and leases to deposits | 106.6295% | 819 |
| Net loans and leases to core deposits | 135.0427% | 1,356 |
| Total domestic deposits to total assets | 75.8013% | 6,553 |
| Equity capital to assets | 7.9746% | 6,850 |
| Core capital (leverage) ratio | 7.8332% | 6,710 |
| Tier 1 risk-based capital ratio | 9.7317% | 7,220 |
| Total risk-based capital ratio | 10.9928% | 7,116 |
| Memoranda: | ||
| Average total assets | $204,048,500 | 3,200 |
| Average earning assets | $189,876,000 | 3,156 |
| Average equity | $16,050,500 | 3,939 |
| Average total loans | $167,652,000 | 2,732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4491% | 459 |
| Cost of funding earning assets | 2.8782% | 2,360 |
| Net interest margin | 4.5709% | 1,247 |
| Noninterest income to average assets | 0.6363% | 3,589 |
| Noninterest expense to average assets | 2.3018% | 6,699 |
| Loan and lease loss provision to assets | 0.9077% | 1,646 |
| Net operating income to assets | 1.6188% | 810 |
| Return on assets (ROA) | 1.6188% | 770 |
| Pretax return on assets | 1.6188% | 1,335 |
| Return on Equity (ROE) | 20.7590% | 321 |
| Retained earnings to average equity (ytd only) | 4.0484% | 2,612 |
| Net charge-offs to loans | 1.0953% | 1,112 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 2.7833% | 4,700 |
| Efficiency ratio | 47.6729% | 7,834 |
| Assets per employee ($millions) | 3.3969% | 4,950 |
| Cash dividends to net income (ytd only)* | 80.4982% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0069% | 1,207 |
| Loan loss allowance to noncurrent loans | 93.5866% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.9459% | 2,525 |
| Noncurrent loans to loans | 2.1445% | 2,574 |
| Net loans and leases to total assets | 80.1182% | 1,641 |
| Net loans and leases to deposits | 104.9520% | 1,242 |
| Net loans and leases to core deposits | 130.1053% | 1,844 |
| Total domestic deposits to total assets | 76.3380% | 6,157 |
| Equity capital to assets | 7.7607% | 7,146 |
| Core capital (leverage) ratio | 7.8733% | 6,691 |
| Tier 1 risk-based capital ratio | 9.7735% | 6,981 |
| Total risk-based capital ratio | 11.0334% | 6,864 |
| Memoranda: | ||
| Average total assets | $203,366,200 | 3,096 |
| Average earning assets | $186,504,600 | 3,092 |
| Average equity | $15,858,200 | 3,961 |
| Average total loans | $168,537,600 | 2,634 |