Home > West Pointe Bank > Performance and Condition Ratios
West Pointe Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0369% | 605 |
| Cost of funding earning assets | 2.3734% | 482 |
| Net interest margin | 3.6635% | 1,826 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.8711% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4230% | 1,173 |
| Return on assets (ROA) | 1.4230% | 1,145 |
| Pretax return on assets | 1.8259% | 855 |
| Return on Equity (ROE) | 8.1000% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.7857% | 2,678 |
| Net charge-offs to loans | -0.0753% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.6104% | 3,935 |
| Assets per employee ($millions) | 16.5530% | 158 |
| Cash dividends to net income (ytd only)* | 40.9249% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 730 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.6400% | 230 |
| Net loans and leases to deposits | 118.5197% | 93 |
| Net loans and leases to core deposits | 162.4204% | 144 |
| Total domestic deposits to total assets | 71.4100% | 4,248 |
| Equity capital to assets | 17.6953% | 361 |
| Core capital (leverage) ratio | 17.7803% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1273% | 532 |
| Memoranda: | ||
| Average total assets | $343,438,000 | 2,218 |
| Average earning assets | $322,233,200 | 2,197 |
| Average equity | $60,325,000 | 1,393 |
| Average total loans | $296,152,600 | 1,803 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9103% | 596 |
| Cost of funding earning assets | 2.2155% | 478 |
| Net interest margin | 3.6948% | 1,788 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.8135% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4322% | 1,251 |
| Return on assets (ROA) | 1.4322% | 1,235 |
| Pretax return on assets | 1.9069% | 853 |
| Return on Equity (ROE) | 8.1700% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.8388% | 2,349 |
| Net charge-offs to loans | -0.0767% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.7440% | 4,000 |
| Assets per employee ($millions) | 16.3293% | 155 |
| Cash dividends to net income (ytd only)* | 16.2860% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 796 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 85.9100% | 159 |
| Net loans and leases to deposits | 125.3298% | 59 |
| Net loans and leases to core deposits | 163.1812% | 96 |
| Total domestic deposits to total assets | 68.5500% | 4,359 |
| Equity capital to assets | 17.8204% | 354 |
| Core capital (leverage) ratio | 18.0641% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2230% | 537 |
| Memoranda: | ||
| Average total assets | $342,394,250 | 2,230 |
| Average earning assets | $321,418,500 | 2,202 |
| Average equity | $60,028,500 | 1,382 |
| Average total loans | $295,395,750 | 1,811 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7530% | 593 |
| Cost of funding earning assets | 2.0599% | 436 |
| Net interest margin | 3.6931% | 1,828 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.8514% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4009% | 1,328 |
| Return on assets (ROA) | 1.4009% | 1,308 |
| Pretax return on assets | 1.8643% | 906 |
| Return on Equity (ROE) | 8.0300% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.9283% | 2,307 |
| Net charge-offs to loans | -0.1150% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.8270% | 3,943 |
| Assets per employee ($millions) | 16.5242% | 152 |
| Cash dividends to net income (ytd only)* | 13.7672% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 863 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,120 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 85.2400% | 189 |
| Net loans and leases to deposits | 122.6555% | 77 |
| Net loans and leases to core deposits | 162.6648% | 95 |
| Total domestic deposits to total assets | 69.4900% | 4,373 |
| Equity capital to assets | 17.4474% | 366 |
| Core capital (leverage) ratio | 17.8889% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8318% | 565 |
| Memoranda: | ||
| Average total assets | $342,220,333 | 2,234 |
| Average earning assets | $321,082,000 | 2,218 |
| Average equity | $59,668,333 | 1,392 |
| Average total loans | $294,017,333 | 1,807 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5970% | 528 |
| Cost of funding earning assets | 1.8543% | 403 |
| Net interest margin | 3.7426% | 1,806 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.7656% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5537% | 1,072 |
| Return on assets (ROA) | 1.5537% | 1,066 |
| Pretax return on assets | 1.9669% | 824 |
| Return on Equity (ROE) | 8.9100% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.9143% | 1,972 |
| Net charge-offs to loans | -0.0028% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.3037% | 4,133 |
| Assets per employee ($millions) | 15.5051% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 960 |
| Loan loss allowance to noncurrent loans | 19,016.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,065 |
| Noncurrent loans to loans | 0.0086% | 3,771 |
| Net loans and leases to total assets | 84.2900% | 219 |
| Net loans and leases to deposits | 117.8647% | 101 |
| Net loans and leases to core deposits | 153.4240% | 113 |
| Total domestic deposits to total assets | 71.5200% | 4,376 |
| Equity capital to assets | 17.5968% | 319 |
| Core capital (leverage) ratio | 17.8529% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1417% | 561 |
| Memoranda: | ||
| Average total assets | $339,826,000 | 2,275 |
| Average earning assets | $318,386,500 | 2,261 |
| Average equity | $59,230,500 | 1,409 |
| Average total loans | $290,675,500 | 1,828 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 534 |
| Cost of funding earning assets | 0.7358% | 499 |
| Net interest margin | 3.9407% | 876 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.8391% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7719% | 465 |
| Return on assets (ROA) | 1.7719% | 447 |
| Pretax return on assets | 2.3723% | 243 |
| Return on Equity (ROE) | 10.4400% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.9330% | 2,270 |
| Net charge-offs to loans | -0.0584% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.6692% | 4,439 |
| Assets per employee ($millions) | 14.7191% | 215 |
| Cash dividends to net income (ytd only)* | 33.5683% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 893 |
| Loan loss allowance to noncurrent loans | 3,683.7209% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 2,799 |
| Noncurrent loans to loans | 0.0446% | 3,440 |
| Net loans and leases to total assets | 83.9800% | 256 |
| Net loans and leases to deposits | 116.5776% | 91 |
| Net loans and leases to core deposits | 145.9115% | 105 |
| Total domestic deposits to total assets | 72.0400% | 4,425 |
| Equity capital to assets | 17.2612% | 322 |
| Core capital (leverage) ratio | 17.7716% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8453% | 560 |
| Memoranda: | ||
| Average total assets | $336,258,400 | 2,275 |
| Average earning assets | $315,577,000 | 2,262 |
| Average equity | $57,089,400 | 1,459 |
| Average total loans | $277,366,400 | 1,828 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 531 |
| Cost of funding earning assets | 0.5654% | 535 |
| Net interest margin | 3.8904% | 818 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.7782% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8402% | 391 |
| Return on assets (ROA) | 1.8402% | 380 |
| Pretax return on assets | 2.4661% | 221 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.3996% | 1,518 |
| Net charge-offs to loans | -0.0772% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.8959% | 4,522 |
| Assets per employee ($millions) | 14.2341% | 231 |
| Cash dividends to net income (ytd only)* | 13.6413% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 881 |
| Loan loss allowance to noncurrent loans | 5,396.5909% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,987 |
| Noncurrent loans to loans | 0.0314% | 3,671 |
| Net loans and leases to total assets | 84.0600% | 237 |
| Net loans and leases to deposits | 117.3095% | 66 |
| Net loans and leases to core deposits | 143.7629% | 87 |
| Total domestic deposits to total assets | 71.6600% | 4,513 |
| Equity capital to assets | 17.7638% | 286 |
| Core capital (leverage) ratio | 18.2044% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7029% | 512 |
| Memoranda: | ||
| Average total assets | $335,688,250 | 2,295 |
| Average earning assets | $314,821,500 | 2,279 |
| Average equity | $56,752,750 | 1,485 |
| Average total loans | $274,441,750 | 1,835 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 602 |
| Cost of funding earning assets | 0.4835% | 576 |
| Net interest margin | 3.7405% | 852 |
| Noninterest income to average assets | 0.1903% | 4,052 |
| Noninterest expense to average assets | 1.7089% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4950% | 719 |
| Return on assets (ROA) | 1.4950% | 698 |
| Pretax return on assets | 1.9920% | 385 |
| Return on Equity (ROE) | 8.9900% | 2,705 |
| Retained earnings to average equity (ytd only) | 7.9275% | 1,647 |
| Net charge-offs to loans | -0.0205% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1760% | 4,444 |
| Assets per employee ($millions) | 14.2763% | 224 |
| Cash dividends to net income (ytd only)* | 11.8182% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 992 |
| Loan loss allowance to noncurrent loans | 4,664.6465% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 1,914 |
| Noncurrent loans to loans | 0.0360% | 3,682 |
| Net loans and leases to total assets | 82.2778% | 274 |
| Net loans and leases to deposits | 109.5040% | 99 |
| Net loans and leases to core deposits | 122.4417% | 174 |
| Total domestic deposits to total assets | 75.1367% | 4,497 |
| Equity capital to assets | 17.3297% | 259 |
| Core capital (leverage) ratio | 17.1534% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1602% | 520 |
| Memoranda: | ||
| Average total assets | $338,456,333 | 2,295 |
| Average earning assets | $317,658,667 | 2,285 |
| Average equity | $56,285,000 | 1,518 |
| Average total loans | $272,601,333 | 1,841 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 763 |
| Cost of funding earning assets | 0.4776% | 557 |
| Net interest margin | 3.5282% | 1,031 |
| Noninterest income to average assets | 0.1851% | 4,050 |
| Noninterest expense to average assets | 1.6710% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3927% | 815 |
| Return on assets (ROA) | 1.3927% | 811 |
| Pretax return on assets | 1.8433% | 501 |
| Return on Equity (ROE) | 8.5465% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.5465% | 1,408 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5480% | 4,426 |
| Assets per employee ($millions) | 15.9401% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 1,072 |
| Loan loss allowance to noncurrent loans | 5,464.2857% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 2,161 |
| Noncurrent loans to loans | 0.0309% | 3,767 |
| Net loans and leases to total assets | 72.8584% | 757 |
| Net loans and leases to deposits | 91.9700% | 429 |
| Net loans and leases to core deposits | 101.7008% | 449 |
| Total domestic deposits to total assets | 79.2197% | 4,339 |
| Equity capital to assets | 15.3019% | 368 |
| Core capital (leverage) ratio | 16.4113% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2824% | 614 |
| Memoranda: | ||
| Average total assets | $343,506,500 | 2,283 |
| Average earning assets | $324,129,500 | 2,269 |
| Average equity | $55,976,000 | 1,574 |
| Average total loans | $271,511,000 | 1,831 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 488 |
| Cost of funding earning assets | 0.5117% | 877 |
| Net interest margin | 4.1092% | 585 |
| Noninterest income to average assets | 0.2716% | 3,765 |
| Noninterest expense to average assets | 1.9810% | 3,737 |
| Loan and lease loss provision to assets | 0.0163% | 2,750 |
| Net operating income to assets | 1.6044% | 794 |
| Return on assets (ROA) | 1.6044% | 827 |
| Pretax return on assets | 2.1261% | 472 |
| Return on Equity (ROE) | 8.9603% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.3179% | 2,666 |
| Net charge-offs to loans | 0.0444% | 1,396 |
| Credit loss provision to net charge-offs | 44.2478% | 2,174 |
| Earnings coverage of net charge-offs (x) | 58.1416% | 1,202 |
| Efficiency ratio | 48.0427% | 4,402 |
| Assets per employee ($millions) | 13.9300% | 245 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 1,065 |
| Loan loss allowance to noncurrent loans | 2,022.0264% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 1,934 |
| Noncurrent loans to loans | 0.0837% | 3,514 |
| Net loans and leases to total assets | 83.2505% | 139 |
| Net loans and leases to deposits | 109.2454% | 85 |
| Net loans and leases to core deposits | 122.3777% | 146 |
| Total domestic deposits to total assets | 76.2050% | 4,501 |
| Equity capital to assets | 17.4324% | 279 |
| Core capital (leverage) ratio | 16.8230% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7122% | 580 |
| Memoranda: | ||
| Average total assets | $306,658,800 | 2,404 |
| Average earning assets | $287,455,800 | 2,393 |
| Average equity | $54,908,800 | 1,634 |
| Average total loans | $254,490,600 | 1,905 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 555 |
| Cost of funding earning assets | 0.5195% | 959 |
| Net interest margin | 4.0907% | 666 |
| Noninterest income to average assets | 0.2660% | 3,814 |
| Noninterest expense to average assets | 1.9211% | 3,891 |
| Loan and lease loss provision to assets | 0.0198% | 2,607 |
| Net operating income to assets | 1.6269% | 965 |
| Return on assets (ROA) | 1.6269% | 1,012 |
| Pretax return on assets | 2.1546% | 601 |
| Return on Equity (ROE) | 9.0231% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.5648% | 2,197 |
| Net charge-offs to loans | 0.0661% | 984 |
| Credit loss provision to net charge-offs | 36.2903% | 1,935 |
| Earnings coverage of net charge-offs (x) | 39.8790% | 1,371 |
| Efficiency ratio | 46.9079% | 4,452 |
| Assets per employee ($millions) | 14.0268% | 242 |
| Cash dividends to net income (ytd only)* | 16.1622% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 1,129 |
| Loan loss allowance to noncurrent loans | 668.7135% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 2,366 |
| Noncurrent loans to loans | 0.2528% | 2,922 |
| Net loans and leases to total assets | 82.4513% | 165 |
| Net loans and leases to deposits | 110.2558% | 95 |
| Net loans and leases to core deposits | 122.9754% | 156 |
| Total domestic deposits to total assets | 74.7819% | 4,611 |
| Equity capital to assets | 17.3878% | 310 |
| Core capital (leverage) ratio | 17.6520% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7557% | 619 |
| Memoranda: | ||
| Average total assets | $303,225,750 | 2,448 |
| Average earning assets | $283,854,000 | 2,434 |
| Average equity | $54,673,000 | 1,661 |
| Average total loans | $250,284,000 | 1,956 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 622 |
| Cost of funding earning assets | 0.5476% | 952 |
| Net interest margin | 4.0543% | 748 |
| Noninterest income to average assets | 0.2992% | 3,640 |
| Noninterest expense to average assets | 1.9308% | 3,889 |
| Loan and lease loss provision to assets | 0.0202% | 2,558 |
| Net operating income to assets | 1.6127% | 1,028 |
| Return on assets (ROA) | 1.6127% | 1,081 |
| Pretax return on assets | 2.1350% | 647 |
| Return on Equity (ROE) | 8.8305% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.7972% | 2,154 |
| Net charge-offs to loans | -0.0082% | 3,604 |
| Credit loss provision to net charge-offs | -300.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2538% | 4,443 |
| Assets per employee ($millions) | 13.3588% | 263 |
| Cash dividends to net income (ytd only)* | 11.7008% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 779 |
| Loan loss allowance to noncurrent loans | 1,971.8487% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 3,248 |
| Noncurrent loans to loans | 0.0949% | 3,703 |
| Net loans and leases to total assets | 80.1375% | 308 |
| Net loans and leases to deposits | 108.4659% | 129 |
| Net loans and leases to core deposits | 120.9785% | 208 |
| Total domestic deposits to total assets | 73.8827% | 4,656 |
| Equity capital to assets | 17.9605% | 267 |
| Core capital (leverage) ratio | 17.9634% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4426% | 577 |
| Memoranda: | ||
| Average total assets | $296,762,000 | 2,466 |
| Average earning assets | $277,189,333 | 2,466 |
| Average equity | $54,198,667 | 1,662 |
| Average total loans | $243,520,000 | 2,007 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 600 |
| Cost of funding earning assets | 0.5765% | 979 |
| Net interest margin | 4.0814% | 743 |
| Noninterest income to average assets | 0.2072% | 4,140 |
| Noninterest expense to average assets | 1.9580% | 3,838 |
| Loan and lease loss provision to assets | 0.0206% | 2,514 |
| Net operating income to assets | 1.5395% | 1,241 |
| Return on assets (ROA) | 1.5395% | 1,305 |
| Pretax return on assets | 2.0362% | 895 |
| Return on Equity (ROE) | 8.3566% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.3566% | 2,134 |
| Net charge-offs to loans | -0.0100% | 3,666 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7697% | 4,279 |
| Assets per employee ($millions) | 12.8035% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9515% | 664 |
| Loan loss allowance to noncurrent loans | 1,362.6822% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,203 |
| Noncurrent loans to loans | 0.1432% | 3,601 |
| Net loans and leases to total assets | 79.7450% | 349 |
| Net loans and leases to deposits | 108.5958% | 148 |
| Net loans and leases to core deposits | 122.4273% | 222 |
| Total domestic deposits to total assets | 73.4329% | 4,692 |
| Equity capital to assets | 18.3937% | 243 |
| Core capital (leverage) ratio | 18.4166% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3712% | 491 |
| Memoranda: | ||
| Average total assets | $291,517,000 | 2,477 |
| Average earning assets | $271,963,500 | 2,479 |
| Average equity | $53,706,000 | 1,663 |
| Average total loans | $239,821,500 | 2,035 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 454 |
| Cost of funding earning assets | 1.0574% | 480 |
| Net interest margin | 3.9806% | 1,014 |
| Noninterest income to average assets | 0.3113% | 3,618 |
| Noninterest expense to average assets | 2.0678% | 4,005 |
| Loan and lease loss provision to assets | 0.1556% | 2,424 |
| Net operating income to assets | 1.3711% | 1,083 |
| Return on assets (ROA) | 1.3733% | 1,171 |
| Pretax return on assets | 1.8043% | 681 |
| Return on Equity (ROE) | 7.7736% | 2,898 |
| Retained earnings to average equity (ytd only) | 3.9433% | 2,857 |
| Net charge-offs to loans | -0.0865% | 4,778 |
| Credit loss provision to net charge-offs | -218.0095% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3743% | 4,429 |
| Assets per employee ($millions) | 12.5458% | 291 |
| Cash dividends to net income (ytd only)* | 49.2732% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 664 |
| Loan loss allowance to noncurrent loans | 765.2961% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 2,848 |
| Noncurrent loans to loans | 0.2532% | 3,289 |
| Net loans and leases to total assets | 81.6079% | 322 |
| Net loans and leases to deposits | 111.5378% | 149 |
| Net loans and leases to core deposits | 127.3571% | 222 |
| Total domestic deposits to total assets | 73.1661% | 4,673 |
| Equity capital to assets | 18.4528% | 247 |
| Core capital (leverage) ratio | 17.7308% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7769% | 521 |
| Memoranda: | ||
| Average total assets | $295,574,800 | 2,310 |
| Average earning assets | $275,759,800 | 2,314 |
| Average equity | $52,215,400 | 1,620 |
| Average total loans | $243,925,600 | 1,946 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 751 |
| Cost of funding earning assets | 1.1480% | 443 |
| Net interest margin | 3.7390% | 1,799 |
| Noninterest income to average assets | 0.3117% | 3,624 |
| Noninterest expense to average assets | 2.0453% | 4,059 |
| Loan and lease loss provision to assets | 0.1614% | 2,384 |
| Net operating income to assets | 1.2151% | 1,595 |
| Return on assets (ROA) | 1.2179% | 1,707 |
| Pretax return on assets | 1.5933% | 1,204 |
| Return on Equity (ROE) | 6.9696% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.4633% | 2,342 |
| Net charge-offs to loans | 0.0610% | 1,730 |
| Credit loss provision to net charge-offs | 321.4286% | 1,693 |
| Earnings coverage of net charge-offs (x) | 34.8661% | 1,467 |
| Efficiency ratio | 53.8743% | 4,159 |
| Assets per employee ($millions) | 12.9258% | 262 |
| Cash dividends to net income (ytd only)* | 21.6127% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 884 |
| Loan loss allowance to noncurrent loans | 96.3773% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 510 |
| Noncurrent loans to loans | 1.7707% | 754 |
| Net loans and leases to total assets | 81.9502% | 437 |
| Net loans and leases to deposits | 112.4900% | 190 |
| Net loans and leases to core deposits | 126.7964% | 289 |
| Total domestic deposits to total assets | 72.8511% | 4,648 |
| Equity capital to assets | 17.9284% | 308 |
| Core capital (leverage) ratio | 17.4317% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2720% | 559 |
| Memoranda: | ||
| Average total assets | $297,330,250 | 2,293 |
| Average earning assets | $277,108,750 | 2,287 |
| Average equity | $51,957,750 | 1,620 |
| Average total loans | $244,873,250 | 1,953 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 1,334 |
| Cost of funding earning assets | 1.2597% | 420 |
| Net interest margin | 3.4694% | 2,885 |
| Noninterest income to average assets | 0.2738% | 3,838 |
| Noninterest expense to average assets | 1.9042% | 4,411 |
| Loan and lease loss provision to assets | 0.1413% | 2,600 |
| Net operating income to assets | 1.1184% | 1,905 |
| Return on assets (ROA) | 1.1226% | 2,014 |
| Pretax return on assets | 1.4643% | 1,546 |
| Return on Equity (ROE) | 6.4803% | 3,338 |
| Retained earnings to average equity (ytd only) | 4.6554% | 2,633 |
| Net charge-offs to loans | 0.1083% | 1,212 |
| Credit loss provision to net charge-offs | 159.0909% | 2,084 |
| Earnings coverage of net charge-offs (x) | 18.0227% | 1,786 |
| Efficiency ratio | 54.3378% | 4,140 |
| Assets per employee ($millions) | 13.1762% | 243 |
| Cash dividends to net income (ytd only)* | 28.1606% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 978 |
| Loan loss allowance to noncurrent loans | 52.4683% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.6276% | 205 |
| Noncurrent loans to loans | 3.0734% | 306 |
| Net loans and leases to total assets | 81.7392% | 437 |
| Net loans and leases to deposits | 111.2482% | 206 |
| Net loans and leases to core deposits | 126.6958% | 303 |
| Total domestic deposits to total assets | 73.4746% | 4,625 |
| Equity capital to assets | 17.2689% | 353 |
| Core capital (leverage) ratio | 17.1016% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2025% | 649 |
| Memoranda: | ||
| Average total assets | $297,342,333 | 2,271 |
| Average earning assets | $276,881,333 | 2,270 |
| Average equity | $51,510,333 | 1,623 |
| Average total loans | $243,876,667 | 1,945 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 1,281 |
| Cost of funding earning assets | 1.3298% | 516 |
| Net interest margin | 3.5340% | 2,870 |
| Noninterest income to average assets | 0.2689% | 3,927 |
| Noninterest expense to average assets | 1.9383% | 4,506 |
| Loan and lease loss provision to assets | 0.0815% | 2,681 |
| Net operating income to assets | 1.1650% | 1,642 |
| Return on assets (ROA) | 1.1736% | 1,724 |
| Pretax return on assets | 1.5376% | 1,215 |
| Return on Equity (ROE) | 6.7634% | 3,043 |
| Retained earnings to average equity (ytd only) | 5.4326% | 2,101 |
| Net charge-offs to loans | 0.2284% | 620 |
| Credit loss provision to net charge-offs | 43.7956% | 2,081 |
| Earnings coverage of net charge-offs (x) | 8.6423% | 1,859 |
| Efficiency ratio | 54.6534% | 4,340 |
| Assets per employee ($millions) | 12.8643% | 193 |
| Cash dividends to net income (ytd only)* | 19.6759% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,006 |
| Loan loss allowance to noncurrent loans | 46.7329% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 3.9053% | 105 |
| Noncurrent loans to loans | 3.4767% | 273 |
| Net loans and leases to total assets | 79.9106% | 705 |
| Net loans and leases to deposits | 107.1164% | 260 |
| Net loans and leases to core deposits | 122.0779% | 409 |
| Total domestic deposits to total assets | 74.6017% | 4,614 |
| Equity capital to assets | 17.3903% | 399 |
| Core capital (leverage) ratio | 17.1809% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7858% | 769 |
| Memoranda: | ||
| Average total assets | $294,487,000 | 2,242 |
| Average earning assets | $273,119,000 | 2,241 |
| Average equity | $51,098,500 | 1,625 |
| Average total loans | $239,928,500 | 1,927 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1640% | 1,077 |
| Cost of funding earning assets | 1.4324% | 502 |
| Net interest margin | 3.7316% | 2,729 |
| Noninterest income to average assets | 0.3329% | 3,715 |
| Noninterest expense to average assets | 1.9475% | 4,612 |
| Loan and lease loss provision to assets | 0.2451% | 762 |
| Net operating income to assets | 1.2600% | 1,835 |
| Return on assets (ROA) | 1.2600% | 1,921 |
| Pretax return on assets | 1.6188% | 1,432 |
| Return on Equity (ROE) | 7.2719% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.8978% | 2,473 |
| Net charge-offs to loans | -0.5143% | 5,123 |
| Credit loss provision to net charge-offs | -58.8235% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0976% | 4,663 |
| Assets per employee ($millions) | 12.2123% | 207 |
| Cash dividends to net income (ytd only)* | 32.6480% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 865 |
| Loan loss allowance to noncurrent loans | 45.9550% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 4.0328% | 96 |
| Noncurrent loans to loans | 3.6177% | 221 |
| Net loans and leases to total assets | 80.3600% | 739 |
| Net loans and leases to deposits | 110.6579% | 180 |
| Net loans and leases to core deposits | 130.2361% | 276 |
| Total domestic deposits to total assets | 72.6202% | 4,846 |
| Equity capital to assets | 17.3128% | 429 |
| Core capital (leverage) ratio | 17.5321% | 371 |
| Tier 1 risk-based capital ratio | 19.2743% | 1,463 |
| Total risk-based capital ratio | 20.5276% | 1,429 |
| Memoranda: | ||
| Average total assets | $285,642,000 | 2,247 |
| Average earning assets | $266,267,200 | 2,241 |
| Average equity | $49,492,000 | 1,615 |
| Average total loans | $231,399,400 | 1,950 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 1,036 |
| Cost of funding earning assets | 1.4558% | 474 |
| Net interest margin | 3.7472% | 2,762 |
| Noninterest income to average assets | 0.3745% | 3,472 |
| Noninterest expense to average assets | 1.8869% | 4,715 |
| Loan and lease loss provision to assets | 0.2114% | 822 |
| Net operating income to assets | 1.3663% | 1,588 |
| Return on assets (ROA) | 1.3663% | 1,654 |
| Pretax return on assets | 1.7736% | 1,151 |
| Return on Equity (ROE) | 7.8839% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.2406% | 2,767 |
| Net charge-offs to loans | -0.6231% | 5,202 |
| Credit loss provision to net charge-offs | -41.9776% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7320% | 4,810 |
| Assets per employee ($millions) | 11.8037% | 225 |
| Cash dividends to net income (ytd only)* | 33.5282% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,028 |
| Loan loss allowance to noncurrent loans | 40.6524% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 4.2519% | 97 |
| Noncurrent loans to loans | 3.8887% | 185 |
| Net loans and leases to total assets | 79.4241% | 925 |
| Net loans and leases to deposits | 107.3843% | 279 |
| Net loans and leases to core deposits | 129.4675% | 298 |
| Total domestic deposits to total assets | 73.9625% | 4,818 |
| Equity capital to assets | 17.7406% | 412 |
| Core capital (leverage) ratio | 17.4647% | 394 |
| Tier 1 risk-based capital ratio | 19.5585% | 1,447 |
| Total risk-based capital ratio | 20.8106% | 1,416 |
| Memoranda: | ||
| Average total assets | $283,778,500 | 2,275 |
| Average earning assets | $264,867,750 | 2,259 |
| Average equity | $49,179,250 | 1,630 |
| Average total loans | $229,370,750 | 1,979 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 859 |
| Cost of funding earning assets | 1.4512% | 448 |
| Net interest margin | 3.8212% | 2,513 |
| Noninterest income to average assets | 0.4600% | 2,912 |
| Noninterest expense to average assets | 1.8835% | 4,771 |
| Loan and lease loss provision to assets | 0.2113% | 797 |
| Net operating income to assets | 1.4841% | 1,190 |
| Return on assets (ROA) | 1.4841% | 1,241 |
| Pretax return on assets | 1.9391% | 770 |
| Return on Equity (ROE) | 8.6317% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.7882% | 1,909 |
| Net charge-offs to loans | -0.0331% | 4,713 |
| Credit loss provision to net charge-offs | -789.4737% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6911% | 4,958 |
| Assets per employee ($millions) | 12.2145% | 193 |
| Cash dividends to net income (ytd only)* | 21.3574% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,172 |
| Loan loss allowance to noncurrent loans | 36.1930% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.5020% | 298 |
| Noncurrent loans to loans | 2.9857% | 342 |
| Net loans and leases to total assets | 79.1795% | 1,014 |
| Net loans and leases to deposits | 107.1127% | 301 |
| Net loans and leases to core deposits | 130.5549% | 318 |
| Total domestic deposits to total assets | 73.9216% | 4,838 |
| Equity capital to assets | 17.7679% | 402 |
| Core capital (leverage) ratio | 17.6047% | 371 |
| Tier 1 risk-based capital ratio | 20.6283% | 1,227 |
| Total risk-based capital ratio | 21.6411% | 1,245 |
| Memoranda: | ||
| Average total assets | $283,942,000 | 2,271 |
| Average earning assets | $265,570,670 | 2,265 |
| Average equity | $48,820,000 | 1,633 |
| Average total loans | $229,623,330 | 1,978 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 588 |
| Cost of funding earning assets | 1.4146% | 433 |
| Net interest margin | 4.0162% | 1,803 |
| Noninterest income to average assets | 0.6866% | 1,659 |
| Noninterest expense to average assets | 1.9184% | 4,768 |
| Loan and lease loss provision to assets | 0.2102% | 750 |
| Net operating income to assets | 1.7587% | 642 |
| Return on assets (ROA) | 1.7587% | 660 |
| Pretax return on assets | 2.3178% | 349 |
| Return on Equity (ROE) | 10.3994% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.6705% | 2,167 |
| Net charge-offs to loans | -0.0293% | 4,636 |
| Credit loss provision to net charge-offs | -882.3529% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1453% | 5,127 |
| Assets per employee ($millions) | 12.3830% | 185 |
| Cash dividends to net income (ytd only)* | 35.8566% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 3,861 |
| Loan loss allowance to noncurrent loans | 53.3034% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.5986% | 718 |
| Noncurrent loans to loans | 1.8235% | 845 |
| Net loans and leases to total assets | 80.8068% | 734 |
| Net loans and leases to deposits | 108.5160% | 258 |
| Net loans and leases to core deposits | 135.2839% | 241 |
| Total domestic deposits to total assets | 74.4653% | 4,899 |
| Equity capital to assets | 17.1462% | 435 |
| Core capital (leverage) ratio | 17.1702% | 408 |
| Tier 1 risk-based capital ratio | 19.6139% | 1,418 |
| Total risk-based capital ratio | 20.5249% | 1,458 |
| Memoranda: | ||
| Average total assets | $285,446,000 | 2,280 |
| Average earning assets | $267,215,500 | 2,259 |
| Average equity | $48,272,000 | 1,628 |
| Average total loans | $231,999,000 | 1,980 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 1,564 |
| Cost of funding earning assets | 1.1483% | 417 |
| Net interest margin | 3.6436% | 3,243 |
| Noninterest income to average assets | 0.2539% | 4,409 |
| Noninterest expense to average assets | 1.9515% | 4,817 |
| Loan and lease loss provision to assets | 0.9245% | 97 |
| Net operating income to assets | 0.6532% | 4,273 |
| Return on assets (ROA) | 0.6532% | 4,281 |
| Pretax return on assets | 0.7866% | 4,204 |
| Return on Equity (ROE) | 3.8894% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.8894% | 3,441 |
| Net charge-offs to loans | 1.9503% | 54 |
| Credit loss provision to net charge-offs | 57.8420% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.0705% | 3,655 |
| Efficiency ratio | 53.2816% | 4,682 |
| Assets per employee ($millions) | 13.0038% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,142 |
| Loan loss allowance to noncurrent loans | 44.7678% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 606 |
| Noncurrent loans to loans | 2.0178% | 670 |
| Net loans and leases to total assets | 80.2222% | 905 |
| Net loans and leases to deposits | 108.0864% | 304 |
| Net loans and leases to core deposits | 134.8830% | 249 |
| Total domestic deposits to total assets | 74.2204% | 4,936 |
| Equity capital to assets | 16.6770% | 449 |
| Core capital (leverage) ratio | 16.9968% | 405 |
| Tier 1 risk-based capital ratio | 19.2915% | 1,452 |
| Total risk-based capital ratio | 20.1313% | 1,501 |
| Memoranda: | ||
| Average total assets | $281,219,400 | 2,262 |
| Average earning assets | $263,089,800 | 2,241 |
| Average equity | $47,231,000 | 1,588 |
| Average total loans | $230,477,600 | 1,945 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,632 |
| Cost of funding earning assets | 1.0967% | 409 |
| Net interest margin | 3.6180% | 3,307 |
| Noninterest income to average assets | 0.2557% | 4,444 |
| Noninterest expense to average assets | 1.9561% | 4,815 |
| Loan and lease loss provision to assets | 0.5000% | 226 |
| Net operating income to assets | 0.9447% | 3,324 |
| Return on assets (ROA) | 0.9447% | 3,332 |
| Pretax return on assets | 1.1847% | 3,046 |
| Return on Equity (ROE) | 5.6149% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.6149% | 2,878 |
| Net charge-offs to loans | -0.0301% | 4,751 |
| Credit loss provision to net charge-offs | -2,019.2308% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7274% | 4,633 |
| Assets per employee ($millions) | 12.9057% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1612% | 385 |
| Loan loss allowance to noncurrent loans | 55.8372% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.2540% | 204 |
| Noncurrent loans to loans | 3.8705% | 227 |
| Net loans and leases to total assets | 81.1419% | 853 |
| Net loans and leases to deposits | 109.9445% | 288 |
| Net loans and leases to core deposits | 141.1248% | 203 |
| Total domestic deposits to total assets | 73.8026% | 4,996 |
| Equity capital to assets | 16.8055% | 433 |
| Core capital (leverage) ratio | 16.9254% | 428 |
| Tier 1 risk-based capital ratio | 19.1938% | 1,494 |
| Total risk-based capital ratio | 20.4536% | 1,458 |
| Memoranda: | ||
| Average total assets | $280,003,500 | 2,280 |
| Average earning assets | $261,982,750 | 2,256 |
| Average equity | $47,111,250 | 1,592 |
| Average total loans | $230,198,500 | 1,953 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,876 |
| Cost of funding earning assets | 1.0268% | 415 |
| Net interest margin | 3.5432% | 3,490 |
| Noninterest income to average assets | 0.2713% | 4,375 |
| Noninterest expense to average assets | 1.9448% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2724% | 1,887 |
| Return on assets (ROA) | 1.2724% | 1,891 |
| Pretax return on assets | 1.6398% | 1,376 |
| Return on Equity (ROE) | 7.5592% | 3,697 |
| Retained earnings to average equity (ytd only) | 7.5592% | 1,817 |
| Net charge-offs to loans | -0.0306% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2543% | 4,664 |
| Assets per employee ($millions) | 11.2301% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 821 |
| Loan loss allowance to noncurrent loans | 40.0757% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 3.6192% | 173 |
| Noncurrent loans to loans | 4.3687% | 187 |
| Net loans and leases to total assets | 80.3927% | 959 |
| Net loans and leases to deposits | 109.8225% | 284 |
| Net loans and leases to core deposits | 143.4799% | 166 |
| Total domestic deposits to total assets | 73.2023% | 5,106 |
| Equity capital to assets | 16.9855% | 405 |
| Core capital (leverage) ratio | 17.3172% | 362 |
| Tier 1 risk-based capital ratio | 20.3433% | 1,266 |
| Total risk-based capital ratio | 21.5989% | 1,242 |
| Memoranda: | ||
| Average total assets | $278,696,330 | 2,299 |
| Average earning assets | $260,614,330 | 2,274 |
| Average equity | $46,910,000 | 1,605 |
| Average total loans | $228,441,000 | 1,964 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 1,771 |
| Cost of funding earning assets | 0.9903% | 384 |
| Net interest margin | 3.5412% | 3,382 |
| Noninterest income to average assets | 0.2708% | 4,358 |
| Noninterest expense to average assets | 1.9577% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2663% | 1,762 |
| Return on assets (ROA) | 1.2663% | 1,768 |
| Pretax return on assets | 1.6307% | 1,296 |
| Return on Equity (ROE) | 7.5578% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.5578% | 2,012 |
| Net charge-offs to loans | -0.0299% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5564% | 4,736 |
| Assets per employee ($millions) | 11.0590% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 829 |
| Loan loss allowance to noncurrent loans | 41.8610% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 3.5348% | 204 |
| Noncurrent loans to loans | 4.2256% | 222 |
| Net loans and leases to total assets | 80.4243% | 882 |
| Net loans and leases to deposits | 108.8850% | 293 |
| Net loans and leases to core deposits | 135.7605% | 262 |
| Total domestic deposits to total assets | 73.8617% | 5,170 |
| Equity capital to assets | 16.9338% | 404 |
| Core capital (leverage) ratio | 16.9541% | 387 |
| Tier 1 risk-based capital ratio | 20.3851% | 1,281 |
| Total risk-based capital ratio | 21.6412% | 1,261 |
| Memoranda: | ||
| Average total assets | $277,668,500 | 2,323 |
| Average earning assets | $260,135,000 | 2,293 |
| Average equity | $46,521,500 | 1,627 |
| Average total loans | $227,798,500 | 1,978 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,915 |
| Cost of funding earning assets | 0.7830% | 685 |
| Net interest margin | 3.6563% | 2,964 |
| Noninterest income to average assets | 0.2313% | 4,747 |
| Noninterest expense to average assets | 1.9982% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0868% | 1,899 |
| Return on assets (ROA) | 1.0868% | 1,926 |
| Pretax return on assets | 1.6613% | 1,120 |
| Return on Equity (ROE) | 6.1475% | 3,696 |
| Retained earnings to average equity (ytd only) | -9.6467% | 5,525 |
| Net charge-offs to loans | -0.0458% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6030% | 4,897 |
| Assets per employee ($millions) | 11.1544% | 232 |
| Cash dividends to net income (ytd only)* | 256.9205% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 876 |
| Loan loss allowance to noncurrent loans | 41.6093% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.5107% | 191 |
| Noncurrent loans to loans | 4.1799% | 220 |
| Net loans and leases to total assets | 80.7757% | 864 |
| Net loans and leases to deposits | 109.7709% | 274 |
| Net loans and leases to core deposits | 135.9208% | 255 |
| Total domestic deposits to total assets | 73.5858% | 5,218 |
| Equity capital to assets | 16.5764% | 445 |
| Core capital (leverage) ratio | 16.6142% | 403 |
| Tier 1 risk-based capital ratio | 19.7812% | 1,363 |
| Total risk-based capital ratio | 21.0337% | 1,330 |
| Memoranda: | ||
| Average total assets | $271,900,800 | 2,341 |
| Average earning assets | $254,930,600 | 2,320 |
| Average equity | $48,068,400 | 1,563 |
| Average total loans | $222,476,800 | 1,985 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 1,989 |
| Cost of funding earning assets | 0.7425% | 785 |
| Net interest margin | 3.6452% | 2,976 |
| Noninterest income to average assets | 0.2295% | 4,841 |
| Noninterest expense to average assets | 1.9440% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1721% | 1,797 |
| Return on assets (ROA) | 1.1721% | 1,839 |
| Pretax return on assets | 1.7041% | 1,114 |
| Return on Equity (ROE) | 6.5251% | 3,901 |
| Retained earnings to average equity (ytd only) | -13.7920% | 5,652 |
| Net charge-offs to loans | -0.0290% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2873% | 4,987 |
| Assets per employee ($millions) | 11.0595% | 230 |
| Cash dividends to net income (ytd only)* | 311.3681% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 976 |
| Loan loss allowance to noncurrent loans | 40.0346% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 3.5984% | 206 |
| Noncurrent loans to loans | 4.3234% | 214 |
| Net loans and leases to total assets | 80.7608% | 876 |
| Net loans and leases to deposits | 108.5005% | 324 |
| Net loans and leases to core deposits | 136.8729% | 245 |
| Total domestic deposits to total assets | 74.4335% | 5,195 |
| Equity capital to assets | 16.6568% | 468 |
| Core capital (leverage) ratio | 16.7108% | 407 |
| Tier 1 risk-based capital ratio | 19.6173% | 1,453 |
| Total risk-based capital ratio | 20.8728% | 1,414 |
| Memoranda: | ||
| Average total assets | $270,160,750 | 2,365 |
| Average earning assets | $253,371,250 | 2,347 |
| Average equity | $48,529,250 | 1,572 |
| Average total loans | $220,786,250 | 2,001 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,056 |
| Cost of funding earning assets | 0.6922% | 930 |
| Net interest margin | 3.6304% | 2,910 |
| Noninterest income to average assets | 0.2276% | 4,883 |
| Noninterest expense to average assets | 1.9168% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1826% | 1,660 |
| Return on assets (ROA) | 1.1826% | 1,692 |
| Pretax return on assets | 1.7153% | 1,022 |
| Return on Equity (ROE) | 6.4229% | 3,865 |
| Retained earnings to average equity (ytd only) | -22.7133% | 5,729 |
| Net charge-offs to loans | -0.0549% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7732% | 5,114 |
| Assets per employee ($millions) | 10.7814% | 243 |
| Cash dividends to net income (ytd only)* | 453.6278% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 908 |
| Loan loss allowance to noncurrent loans | 38.9476% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 3.8043% | 189 |
| Noncurrent loans to loans | 4.5942% | 177 |
| Net loans and leases to total assets | 80.3336% | 899 |
| Net loans and leases to deposits | 107.5654% | 335 |
| Net loans and leases to core deposits | 136.8551% | 222 |
| Total domestic deposits to total assets | 74.6835% | 5,236 |
| Equity capital to assets | 16.8894% | 417 |
| Core capital (leverage) ratio | 16.6862% | 398 |
| Tier 1 risk-based capital ratio | 19.8482% | 1,396 |
| Total risk-based capital ratio | 21.1042% | 1,367 |
| Memoranda: | ||
| Average total assets | $268,052,000 | 2,384 |
| Average earning assets | $251,374,330 | 2,369 |
| Average equity | $49,354,330 | 1,548 |
| Average total loans | $218,639,670 | 2,017 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,064 |
| Cost of funding earning assets | 0.6587% | 1,031 |
| Net interest margin | 3.6032% | 2,880 |
| Noninterest income to average assets | 0.2394% | 4,824 |
| Noninterest expense to average assets | 1.9737% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1432% | 1,699 |
| Return on assets (ROA) | 1.1432% | 1,736 |
| Pretax return on assets | 1.6460% | 1,136 |
| Return on Equity (ROE) | 5.9606% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.9606% | 2,363 |
| Net charge-offs to loans | -0.0294% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5267% | 5,085 |
| Assets per employee ($millions) | 10.7594% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,021 |
| Loan loss allowance to noncurrent loans | 40.1007% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 3.7578% | 215 |
| Noncurrent loans to loans | 4.4081% | 217 |
| Net loans and leases to total assets | 80.5933% | 754 |
| Net loans and leases to deposits | 108.7689% | 242 |
| Net loans and leases to core deposits | 136.4133% | 199 |
| Total domestic deposits to total assets | 74.0960% | 5,409 |
| Equity capital to assets | 19.2301% | 236 |
| Core capital (leverage) ratio | 19.3550% | 220 |
| Tier 1 risk-based capital ratio | 22.5550% | 1,029 |
| Total risk-based capital ratio | 23.8103% | 1,004 |
| Memoranda: | ||
| Average total assets | $267,310,000 | 2,414 |
| Average earning assets | $250,779,000 | 2,393 |
| Average equity | $51,270,000 | 1,507 |
| Average total loans | $217,723,000 | 2,043 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 1,990 |
| Cost of funding earning assets | 0.6674% | 966 |
| Net interest margin | 3.6788% | 2,778 |
| Noninterest income to average assets | 0.2167% | 5,116 |
| Noninterest expense to average assets | 2.0671% | 5,063 |
| Loan and lease loss provision to assets | -0.3698% | 5,859 |
| Net operating income to assets | 1.3315% | 1,139 |
| Return on assets (ROA) | 1.3315% | 1,194 |
| Pretax return on assets | 1.9565% | 554 |
| Return on Equity (ROE) | 7.2331% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.0597% | 1,676 |
| Net charge-offs to loans | -0.1601% | 5,697 |
| Credit loss provision to net charge-offs | 285.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5746% | 5,007 |
| Assets per employee ($millions) | 10.6254% | 254 |
| Cash dividends to net income (ytd only)* | 16.2222% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 929 |
| Loan loss allowance to noncurrent loans | 39.0688% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 3.8862% | 201 |
| Noncurrent loans to loans | 4.6303% | 191 |
| Net loans and leases to total assets | 79.3856% | 986 |
| Net loans and leases to deposits | 105.6620% | 358 |
| Net loans and leases to core deposits | 126.6568% | 336 |
| Total domestic deposits to total assets | 75.1317% | 5,338 |
| Equity capital to assets | 19.1293% | 236 |
| Core capital (leverage) ratio | 19.1201% | 226 |
| Tier 1 risk-based capital ratio | 22.6760% | 1,002 |
| Total risk-based capital ratio | 23.9320% | 983 |
| Memoranda: | ||
| Average total assets | $270,380,400 | 2,360 |
| Average earning assets | $252,611,000 | 2,340 |
| Average equity | $49,771,200 | 1,525 |
| Average total loans | $218,630,600 | 1,980 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,005 |
| Cost of funding earning assets | 0.6690% | 955 |
| Net interest margin | 3.6789% | 2,797 |
| Noninterest income to average assets | 0.2720% | 4,828 |
| Noninterest expense to average assets | 2.0419% | 5,123 |
| Loan and lease loss provision to assets | 0.0147% | 3,954 |
| Net operating income to assets | 1.1464% | 1,822 |
| Return on assets (ROA) | 1.1464% | 1,928 |
| Pretax return on assets | 1.6496% | 1,251 |
| Return on Equity (ROE) | 6.2881% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.2055% | 2,694 |
| Net charge-offs to loans | -0.2447% | 5,807 |
| Credit loss provision to net charge-offs | -7.4442% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0934% | 5,149 |
| Assets per employee ($millions) | 10.6701% | 238 |
| Cash dividends to net income (ytd only)* | 17.2164% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2871% | 446 |
| Loan loss allowance to noncurrent loans | 51.3541% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 3.9688% | 215 |
| Noncurrent loans to loans | 4.4536% | 218 |
| Net loans and leases to total assets | 79.5672% | 950 |
| Net loans and leases to deposits | 105.6302% | 387 |
| Net loans and leases to core deposits | 124.1754% | 412 |
| Total domestic deposits to total assets | 75.3262% | 5,310 |
| Equity capital to assets | 18.8759% | 274 |
| Core capital (leverage) ratio | 18.5433% | 257 |
| Tier 1 risk-based capital ratio | 22.2934% | 1,094 |
| Total risk-based capital ratio | 23.5557% | 1,074 |
| Memoranda: | ||
| Average total assets | $271,566,750 | 2,362 |
| Average earning assets | $253,514,000 | 2,348 |
| Average equity | $49,510,500 | 1,537 |
| Average total loans | $219,598,000 | 1,983 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 1,938 |
| Cost of funding earning assets | 0.6580% | 1,010 |
| Net interest margin | 3.7043% | 2,682 |
| Noninterest income to average assets | 0.2921% | 4,698 |
| Noninterest expense to average assets | 2.0273% | 5,217 |
| Loan and lease loss provision to assets | 0.0220% | 3,689 |
| Net operating income to assets | 1.1766% | 1,678 |
| Return on assets (ROA) | 1.1766% | 1,776 |
| Pretax return on assets | 1.7008% | 1,088 |
| Return on Equity (ROE) | 6.5285% | 3,790 |
| Retained earnings to average equity (ytd only) | 5.6429% | 2,339 |
| Net charge-offs to loans | -0.3639% | 5,910 |
| Credit loss provision to net charge-offs | -7.4813% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0609% | 5,307 |
| Assets per employee ($millions) | 10.9651% | 206 |
| Cash dividends to net income (ytd only)* | 13.5657% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2639% | 502 |
| Loan loss allowance to noncurrent loans | 49.6153% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 4.0295% | 222 |
| Noncurrent loans to loans | 4.5629% | 220 |
| Net loans and leases to total assets | 78.2073% | 1,172 |
| Net loans and leases to deposits | 102.6541% | 528 |
| Net loans and leases to core deposits | 121.8820% | 466 |
| Total domestic deposits to total assets | 76.1852% | 5,262 |
| Equity capital to assets | 18.1948% | 323 |
| Core capital (leverage) ratio | 18.1907% | 279 |
| Tier 1 risk-based capital ratio | 21.7868% | 1,159 |
| Total risk-based capital ratio | 23.0487% | 1,143 |
| Memoranda: | ||
| Average total assets | $273,171,330 | 2,351 |
| Average earning assets | $255,004,000 | 2,346 |
| Average equity | $49,230,000 | 1,545 |
| Average total loans | $220,392,000 | 1,979 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 1,788 |
| Cost of funding earning assets | 0.6581% | 1,006 |
| Net interest margin | 3.7461% | 2,497 |
| Noninterest income to average assets | 0.3198% | 4,442 |
| Noninterest expense to average assets | 1.9230% | 5,492 |
| Loan and lease loss provision to assets | 0.0220% | 3,396 |
| Net operating income to assets | 1.2806% | 1,303 |
| Return on assets (ROA) | 1.2806% | 1,393 |
| Pretax return on assets | 1.8732% | 731 |
| Return on Equity (ROE) | 7.1402% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.1402% | 1,822 |
| Net charge-offs to loans | -0.0072% | 4,406 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3650% | 5,612 |
| Assets per employee ($millions) | 10.8576% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 710 |
| Loan loss allowance to noncurrent loans | 47.3783% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 3.9688% | 257 |
| Noncurrent loans to loans | 4.3968% | 249 |
| Net loans and leases to total assets | 78.8608% | 970 |
| Net loans and leases to deposits | 103.5577% | 432 |
| Net loans and leases to core deposits | 121.6459% | 425 |
| Total domestic deposits to total assets | 76.1515% | 5,394 |
| Equity capital to assets | 18.1886% | 310 |
| Core capital (leverage) ratio | 17.7275% | 313 |
| Tier 1 risk-based capital ratio | 21.5821% | 1,220 |
| Total risk-based capital ratio | 22.8415% | 1,199 |
| Memoranda: | ||
| Average total assets | $272,693,000 | 2,365 |
| Average earning assets | $254,666,000 | 2,350 |
| Average equity | $48,906,500 | 1,552 |
| Average total loans | $220,911,000 | 1,976 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,716 |
| Cost of funding earning assets | 0.6851% | 887 |
| Net interest margin | 3.7758% | 2,459 |
| Noninterest income to average assets | 0.2679% | 4,954 |
| Noninterest expense to average assets | 2.0818% | 5,285 |
| Loan and lease loss provision to assets | -0.9220% | 6,171 |
| Net operating income to assets | 1.7420% | 536 |
| Return on assets (ROA) | 1.7420% | 559 |
| Pretax return on assets | 2.6209% | 168 |
| Return on Equity (ROE) | 9.5727% | 2,194 |
| Retained earnings to average equity (ytd only) | 0.6423% | 5,256 |
| Net charge-offs to loans | -0.1813% | 5,940 |
| Credit loss provision to net charge-offs | 625.9446% | 541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0638% | 5,433 |
| Assets per employee ($millions) | 10.9579% | 204 |
| Cash dividends to net income (ytd only)* | 93.2907% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0317% | 761 |
| Loan loss allowance to noncurrent loans | 45.6283% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 3.9818% | 263 |
| Noncurrent loans to loans | 4.4528% | 245 |
| Net loans and leases to total assets | 79.8235% | 869 |
| Net loans and leases to deposits | 106.3796% | 351 |
| Net loans and leases to core deposits | 123.0877% | 406 |
| Total domestic deposits to total assets | 75.0364% | 5,552 |
| Equity capital to assets | 17.6830% | 338 |
| Core capital (leverage) ratio | 17.6999% | 299 |
| Tier 1 risk-based capital ratio | 20.6825% | 1,352 |
| Total risk-based capital ratio | 21.9415% | 1,322 |
| Memoranda: | ||
| Average total assets | $269,520,600 | 2,349 |
| Average earning assets | $250,757,800 | 2,332 |
| Average equity | $49,045,800 | 1,527 |
| Average total loans | $218,954,000 | 1,932 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 1,637 |
| Cost of funding earning assets | 0.6868% | 903 |
| Net interest margin | 3.7980% | 2,395 |
| Noninterest income to average assets | 0.2653% | 5,041 |
| Noninterest expense to average assets | 1.9815% | 5,516 |
| Loan and lease loss provision to assets | 0.0075% | 4,108 |
| Net operating income to assets | 1.2513% | 1,479 |
| Return on assets (ROA) | 1.2513% | 1,534 |
| Pretax return on assets | 1.8061% | 887 |
| Return on Equity (ROE) | 6.8268% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.6750% | 2,472 |
| Net charge-offs to loans | -0.2882% | 6,077 |
| Credit loss provision to net charge-offs | -3.1847% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2120% | 5,638 |
| Assets per employee ($millions) | 10.6252% | 219 |
| Cash dividends to net income (ytd only)* | 16.8717% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2932% | 181 |
| Loan loss allowance to noncurrent loans | 68.7192% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 4.2499% | 268 |
| Noncurrent loans to loans | 4.7922% | 226 |
| Net loans and leases to total assets | 78.5917% | 1,009 |
| Net loans and leases to deposits | 104.5697% | 423 |
| Net loans and leases to core deposits | 122.1937% | 418 |
| Total domestic deposits to total assets | 75.1572% | 5,607 |
| Equity capital to assets | 18.8808% | 284 |
| Core capital (leverage) ratio | 18.6121% | 264 |
| Tier 1 risk-based capital ratio | 22.3344% | 1,147 |
| Total risk-based capital ratio | 23.6088% | 1,123 |
| Memoranda: | ||
| Average total assets | $268,414,000 | 2,369 |
| Average earning assets | $249,456,750 | 2,363 |
| Average equity | $49,196,750 | 1,520 |
| Average total loans | $217,890,250 | 1,944 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 1,585 |
| Cost of funding earning assets | 0.6856% | 910 |
| Net interest margin | 3.7973% | 2,323 |
| Noninterest income to average assets | 0.2785% | 4,957 |
| Noninterest expense to average assets | 1.9871% | 5,551 |
| Loan and lease loss provision to assets | 0.0111% | 3,886 |
| Net operating income to assets | 1.2564% | 1,441 |
| Return on assets (ROA) | 1.2564% | 1,496 |
| Pretax return on assets | 1.8089% | 881 |
| Return on Equity (ROE) | 6.9234% | 3,658 |
| Retained earnings to average equity (ytd only) | 5.9822% | 2,253 |
| Net charge-offs to loans | -0.4383% | 6,182 |
| Credit loss provision to net charge-offs | -3.1315% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1943% | 5,699 |
| Assets per employee ($millions) | 10.7174% | 217 |
| Cash dividends to net income (ytd only)* | 13.5934% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2699% | 199 |
| Loan loss allowance to noncurrent loans | 66.5825% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 4.3260% | 286 |
| Noncurrent loans to loans | 4.9110% | 239 |
| Net loans and leases to total assets | 78.5780% | 996 |
| Net loans and leases to deposits | 103.7552% | 463 |
| Net loans and leases to core deposits | 117.0202% | 560 |
| Total domestic deposits to total assets | 75.7340% | 5,629 |
| Equity capital to assets | 18.4354% | 299 |
| Core capital (leverage) ratio | 18.0539% | 285 |
| Tier 1 risk-based capital ratio | 21.9615% | 1,217 |
| Total risk-based capital ratio | 23.2358% | 1,191 |
| Memoranda: | ||
| Average total assets | $269,342,000 | 2,378 |
| Average earning assets | $250,282,670 | 2,366 |
| Average equity | $48,878,000 | 1,535 |
| Average total loans | $218,563,000 | 1,951 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 1,469 |
| Cost of funding earning assets | 0.6827% | 934 |
| Net interest margin | 3.8140% | 2,185 |
| Noninterest income to average assets | 0.3244% | 4,591 |
| Noninterest expense to average assets | 1.8812% | 5,792 |
| Loan and lease loss provision to assets | 0.0222% | 3,422 |
| Net operating income to assets | 1.3598% | 1,117 |
| Return on assets (ROA) | 1.3598% | 1,180 |
| Pretax return on assets | 1.9626% | 626 |
| Return on Equity (ROE) | 7.5525% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.5525% | 1,739 |
| Net charge-offs to loans | -0.8894% | 6,309 |
| Credit loss provision to net charge-offs | -3.0801% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6590% | 5,988 |
| Assets per employee ($millions) | 10.8917% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2296% | 232 |
| Loan loss allowance to noncurrent loans | 66.0762% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 4.2216% | 342 |
| Noncurrent loans to loans | 4.8877% | 284 |
| Net loans and leases to total assets | 78.4041% | 870 |
| Net loans and leases to deposits | 102.8773% | 421 |
| Net loans and leases to core deposits | 114.1793% | 576 |
| Total domestic deposits to total assets | 76.2113% | 5,716 |
| Equity capital to assets | 18.0537% | 328 |
| Core capital (leverage) ratio | 17.8505% | 295 |
| Tier 1 risk-based capital ratio | 21.4227% | 1,344 |
| Total risk-based capital ratio | 22.6962% | 1,309 |
| Memoranda: | ||
| Average total assets | $270,045,500 | 2,385 |
| Average earning assets | $250,760,500 | 2,379 |
| Average equity | $48,619,500 | 1,550 |
| Average total loans | $219,017,000 | 1,946 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,892 |
| Cost of funding earning assets | 0.6803% | 1,207 |
| Net interest margin | 3.8139% | 2,574 |
| Noninterest income to average assets | 0.2458% | 5,369 |
| Noninterest expense to average assets | 1.9468% | 5,865 |
| Loan and lease loss provision to assets | 0.0594% | 3,346 |
| Net operating income to assets | 1.2331% | 1,486 |
| Return on assets (ROA) | 1.2331% | 1,539 |
| Pretax return on assets | 1.8129% | 774 |
| Return on Equity (ROE) | 7.1970% | 3,516 |
| Retained earnings to average equity (ytd only) | 0.5588% | 5,520 |
| Net charge-offs to loans | 0.1724% | 2,304 |
| Credit loss provision to net charge-offs | 42.4165% | 3,626 |
| Earnings coverage of net charge-offs (x) | 13.3728% | 2,273 |
| Efficiency ratio | 50.9754% | 6,043 |
| Assets per employee ($millions) | 10.7119% | 202 |
| Cash dividends to net income (ytd only)* | 92.2358% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0462% | 285 |
| Loan loss allowance to noncurrent loans | 55.8102% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 4.8630% | 290 |
| Noncurrent loans to loans | 5.4581% | 241 |
| Net loans and leases to total assets | 78.7149% | 915 |
| Net loans and leases to deposits | 103.8614% | 439 |
| Net loans and leases to core deposits | 112.7920% | 650 |
| Total domestic deposits to total assets | 75.7885% | 5,765 |
| Equity capital to assets | 17.9538% | 320 |
| Core capital (leverage) ratio | 17.7416% | 305 |
| Tier 1 risk-based capital ratio | 22.4441% | 1,155 |
| Total risk-based capital ratio | 23.7179% | 1,138 |
| Memoranda: | ||
| Average total assets | $277,837,600 | 2,296 |
| Average earning assets | $260,312,400 | 2,271 |
| Average equity | $47,603,200 | 1,515 |
| Average total loans | $225,684,000 | 1,860 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,788 |
| Cost of funding earning assets | 0.6805% | 1,255 |
| Net interest margin | 3.8431% | 2,464 |
| Noninterest income to average assets | 0.2349% | 5,520 |
| Noninterest expense to average assets | 1.8462% | 6,032 |
| Loan and lease loss provision to assets | 0.0642% | 3,064 |
| Net operating income to assets | 1.2998% | 1,373 |
| Return on assets (ROA) | 1.2998% | 1,429 |
| Pretax return on assets | 1.9318% | 665 |
| Return on Equity (ROE) | 7.6740% | 3,375 |
| Retained earnings to average equity (ytd only) | 0.5840% | 5,633 |
| Net charge-offs to loans | 0.1908% | 1,941 |
| Credit loss provision to net charge-offs | 41.4110% | 3,268 |
| Earnings coverage of net charge-offs (x) | 12.8741% | 2,279 |
| Efficiency ratio | 48.0505% | 6,201 |
| Assets per employee ($millions) | 10.9458% | 184 |
| Cash dividends to net income (ytd only)* | 92.3892% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9811% | 369 |
| Loan loss allowance to noncurrent loans | 158.1373% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8685% | 1,576 |
| Noncurrent loans to loans | 1.8851% | 1,694 |
| Net loans and leases to total assets | 79.1601% | 816 |
| Net loans and leases to deposits | 103.9693% | 408 |
| Net loans and leases to core deposits | 111.7043% | 672 |
| Total domestic deposits to total assets | 76.1380% | 5,796 |
| Equity capital to assets | 17.5637% | 369 |
| Core capital (leverage) ratio | 17.3104% | 340 |
| Tier 1 risk-based capital ratio | 21.9071% | 1,275 |
| Total risk-based capital ratio | 23.1798% | 1,252 |
| Memoranda: | ||
| Average total assets | $280,347,500 | 2,290 |
| Average earning assets | $263,149,500 | 2,265 |
| Average equity | $47,484,000 | 1,523 |
| Average total loans | $227,750,000 | 1,850 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,861 |
| Cost of funding earning assets | 0.6802% | 1,307 |
| Net interest margin | 3.8094% | 2,536 |
| Noninterest income to average assets | 0.2385% | 5,488 |
| Noninterest expense to average assets | 1.8458% | 6,083 |
| Loan and lease loss provision to assets | 0.0743% | 2,791 |
| Net operating income to assets | 1.2832% | 1,359 |
| Return on assets (ROA) | 1.2832% | 1,413 |
| Pretax return on assets | 1.8975% | 690 |
| Return on Equity (ROE) | 7.6674% | 3,283 |
| Retained earnings to average equity (ytd only) | -2.0596% | 6,000 |
| Net charge-offs to loans | -0.0707% | 6,022 |
| Credit loss provision to net charge-offs | -129.6296% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3500% | 6,274 |
| Assets per employee ($millions) | 11.0844% | 176 |
| Cash dividends to net income (ytd only)* | 126.8616% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1104% | 335 |
| Loan loss allowance to noncurrent loans | 148.0632% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 2.0587% | 1,540 |
| Noncurrent loans to loans | 2.1008% | 1,591 |
| Net loans and leases to total assets | 79.0571% | 791 |
| Net loans and leases to deposits | 102.2706% | 433 |
| Net loans and leases to core deposits | 108.6040% | 742 |
| Total domestic deposits to total assets | 77.3019% | 5,760 |
| Equity capital to assets | 17.0632% | 409 |
| Core capital (leverage) ratio | 16.7425% | 387 |
| Tier 1 risk-based capital ratio | 21.6745% | 1,316 |
| Total risk-based capital ratio | 22.9492% | 1,290 |
| Memoranda: | ||
| Average total assets | $282,582,000 | 2,274 |
| Average earning assets | $265,503,000 | 2,240 |
| Average equity | $47,291,330 | 1,516 |
| Average total loans | $229,242,330 | 1,828 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 2,177 |
| Cost of funding earning assets | 0.6813% | 1,353 |
| Net interest margin | 3.7077% | 2,833 |
| Noninterest income to average assets | 0.2299% | 5,516 |
| Noninterest expense to average assets | 1.8029% | 6,218 |
| Loan and lease loss provision to assets | 0.1051% | 2,166 |
| Net operating income to assets | 1.2351% | 1,387 |
| Return on assets (ROA) | 1.2351% | 1,445 |
| Pretax return on assets | 1.8085% | 791 |
| Return on Equity (ROE) | 7.4511% | 3,233 |
| Retained earnings to average equity (ytd only) | -3.8820% | 6,049 |
| Net charge-offs to loans | -0.1300% | 6,231 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5100% | 6,334 |
| Assets per employee ($millions) | 11.2946% | 165 |
| Cash dividends to net income (ytd only)* | 152.0999% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1261% | 382 |
| Loan loss allowance to noncurrent loans | 112.1134% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 2.6884% | 1,136 |
| Noncurrent loans to loans | 2.7883% | 1,197 |
| Net loans and leases to total assets | 76.7913% | 909 |
| Net loans and leases to deposits | 98.4119% | 516 |
| Net loans and leases to core deposits | 103.1531% | 915 |
| Total domestic deposits to total assets | 78.0305% | 5,833 |
| Equity capital to assets | 16.6994% | 432 |
| Core capital (leverage) ratio | 16.3956% | 431 |
| Tier 1 risk-based capital ratio | 21.6557% | 1,351 |
| Total risk-based capital ratio | 22.9304% | 1,324 |
| Memoranda: | ||
| Average total assets | $285,317,500 | 2,262 |
| Average earning assets | $268,308,000 | 2,232 |
| Average equity | $47,295,000 | 1,507 |
| Average total loans | $230,809,000 | 1,820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 1,389 |
| Cost of funding earning assets | 0.7658% | 1,405 |
| Net interest margin | 3.9999% | 1,945 |
| Noninterest income to average assets | 0.2293% | 5,704 |
| Noninterest expense to average assets | 1.9046% | 6,185 |
| Loan and lease loss provision to assets | 0.3977% | 752 |
| Net operating income to assets | 1.1440% | 1,783 |
| Return on assets (ROA) | 1.1440% | 1,843 |
| Pretax return on assets | 1.6902% | 977 |
| Return on Equity (ROE) | 7.4734% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.4734% | 1,245 |
| Net charge-offs to loans | 2.2855% | 138 |
| Credit loss provision to net charge-offs | 20.9607% | 4,430 |
| Earnings coverage of net charge-offs (x) | 1.1004% | 4,706 |
| Efficiency ratio | 47.7048% | 6,497 |
| Assets per employee ($millions) | 11.5308% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8794% | 539 |
| Loan loss allowance to noncurrent loans | 105.8105% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 2.7158% | 1,227 |
| Noncurrent loans to loans | 2.7213% | 1,332 |
| Net loans and leases to total assets | 80.1132% | 585 |
| Net loans and leases to deposits | 102.3743% | 381 |
| Net loans and leases to core deposits | 107.7134% | 712 |
| Total domestic deposits to total assets | 78.2552% | 5,788 |
| Equity capital to assets | 16.4557% | 451 |
| Core capital (leverage) ratio | 15.7897% | 492 |
| Tier 1 risk-based capital ratio | 20.6571% | 1,500 |
| Total risk-based capital ratio | 21.9287% | 1,467 |
| Memoranda: | ||
| Average total assets | $301,746,600 | 2,135 |
| Average earning assets | $283,882,800 | 2,085 |
| Average equity | $46,190,600 | 1,516 |
| Average total loans | $250,488,400 | 1,660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 1,266 |
| Cost of funding earning assets | 0.7775% | 1,438 |
| Net interest margin | 4.0611% | 1,755 |
| Noninterest income to average assets | 0.2430% | 5,698 |
| Noninterest expense to average assets | 1.7125% | 6,458 |
| Loan and lease loss provision to assets | 0.3933% | 779 |
| Net operating income to assets | 1.3048% | 1,346 |
| Return on assets (ROA) | 1.3048% | 1,401 |
| Pretax return on assets | 1.9559% | 641 |
| Return on Equity (ROE) | 8.6777% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.6777% | 1,166 |
| Net charge-offs to loans | 2.8835% | 81 |
| Credit loss provision to net charge-offs | 16.4054% | 4,125 |
| Earnings coverage of net charge-offs (x) | 0.9799% | 4,519 |
| Efficiency ratio | 42.1625% | 6,704 |
| Assets per employee ($millions) | 11.8286% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7779% | 688 |
| Loan loss allowance to noncurrent loans | 72.8737% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 3.4841% | 976 |
| Noncurrent loans to loans | 3.8120% | 949 |
| Net loans and leases to total assets | 80.3129% | 512 |
| Net loans and leases to deposits | 102.2918% | 365 |
| Net loans and leases to core deposits | 108.0116% | 667 |
| Total domestic deposits to total assets | 78.5135% | 5,825 |
| Equity capital to assets | 15.8957% | 568 |
| Core capital (leverage) ratio | 15.6847% | 542 |
| Tier 1 risk-based capital ratio | 19.8177% | 1,777 |
| Total risk-based capital ratio | 21.0881% | 1,742 |
| Memoranda: | ||
| Average total assets | $305,115,500 | 2,120 |
| Average earning assets | $286,912,000 | 2,079 |
| Average equity | $45,879,000 | 1,539 |
| Average total loans | $253,663,000 | 1,636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 1,503 |
| Cost of funding earning assets | 0.7933% | 1,450 |
| Net interest margin | 3.9314% | 2,106 |
| Noninterest income to average assets | 0.1713% | 6,186 |
| Noninterest expense to average assets | 1.8148% | 6,351 |
| Loan and lease loss provision to assets | 0.3893% | 815 |
| Net operating income to assets | 1.1309% | 1,812 |
| Return on assets (ROA) | 1.1309% | 1,925 |
| Pretax return on assets | 1.6681% | 1,190 |
| Return on Equity (ROE) | 7.6610% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.6610% | 1,606 |
| Net charge-offs to loans | 3.9379% | 59 |
| Credit loss provision to net charge-offs | 11.8671% | 3,872 |
| Earnings coverage of net charge-offs (x) | 0.6272% | 4,312 |
| Efficiency ratio | 46.8666% | 6,595 |
| Assets per employee ($millions) | 11.9718% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7787% | 729 |
| Loan loss allowance to noncurrent loans | 39.3872% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 6.2981% | 418 |
| Noncurrent loans to loans | 7.0548% | 339 |
| Net loans and leases to total assets | 80.8491% | 456 |
| Net loans and leases to deposits | 102.0569% | 330 |
| Net loans and leases to core deposits | 108.4918% | 629 |
| Total domestic deposits to total assets | 79.2196% | 5,769 |
| Equity capital to assets | 15.4105% | 633 |
| Core capital (leverage) ratio | 14.9820% | 613 |
| Tier 1 risk-based capital ratio | 18.8858% | 2,021 |
| Total risk-based capital ratio | 20.1558% | 1,979 |
| Memoranda: | ||
| Average total assets | $308,248,670 | 2,096 |
| Average earning assets | $290,177,330 | 2,056 |
| Average equity | $45,503,330 | 1,558 |
| Average total loans | $256,789,330 | 1,616 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 3,058 |
| Cost of funding earning assets | 0.8132% | 1,456 |
| Net interest margin | 3.4468% | 3,926 |
| Noninterest income to average assets | 0.1842% | 6,157 |
| Noninterest expense to average assets | 1.6449% | 6,625 |
| Loan and lease loss provision to assets | 0.3837% | 824 |
| Net operating income to assets | 0.9708% | 2,348 |
| Return on assets (ROA) | 0.9708% | 2,478 |
| Pretax return on assets | 1.4031% | 1,840 |
| Return on Equity (ROE) | 6.7178% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.7178% | 2,305 |
| Net charge-offs to loans | 1.0309% | 591 |
| Credit loss provision to net charge-offs | 44.6429% | 2,697 |
| Earnings coverage of net charge-offs (x) | 2.0789% | 3,139 |
| Efficiency ratio | 47.9314% | 6,612 |
| Assets per employee ($millions) | 12.2584% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3090% | 226 |
| Loan loss allowance to noncurrent loans | 36.0538% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 10.2180% | 180 |
| Noncurrent loans to loans | 11.9516% | 136 |
| Net loans and leases to total assets | 79.7105% | 451 |
| Net loans and leases to deposits | 99.7379% | 364 |
| Net loans and leases to core deposits | 107.6081% | 574 |
| Total domestic deposits to total assets | 79.9200% | 5,768 |
| Equity capital to assets | 14.8578% | 790 |
| Core capital (leverage) ratio | 14.3023% | 714 |
| Tier 1 risk-based capital ratio | 18.5250% | 2,181 |
| Total risk-based capital ratio | 19.8163% | 2,138 |
| Memoranda: | ||
| Average total assets | $312,725,000 | 2,096 |
| Average earning assets | $294,652,500 | 2,042 |
| Average equity | $45,193,500 | 1,583 |
| Average total loans | $260,737,000 | 1,606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 2,584 |
| Cost of funding earning assets | 1.0122% | 1,287 |
| Net interest margin | 3.6903% | 3,687 |
| Noninterest income to average assets | 0.1884% | 6,058 |
| Noninterest expense to average assets | 1.7514% | 6,676 |
| Loan and lease loss provision to assets | 0.5496% | 1,043 |
| Net operating income to assets | 0.9371% | 2,614 |
| Return on assets (ROA) | 0.9371% | 2,863 |
| Pretax return on assets | 1.3606% | 2,175 |
| Return on Equity (ROE) | 7.0610% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.0610% | 1,540 |
| Net charge-offs to loans | 0.7915% | 1,481 |
| Credit loss provision to net charge-offs | 82.2669% | 3,754 |
| Earnings coverage of net charge-offs (x) | 2.8592% | 4,004 |
| Efficiency ratio | 47.8319% | 6,720 |
| Assets per employee ($millions) | 12.7596% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2721% | 234 |
| Loan loss allowance to noncurrent loans | 32.2400% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 11.2013% | 176 |
| Noncurrent loans to loans | 13.2509% | 118 |
| Net loans and leases to total assets | 79.8838% | 484 |
| Net loans and leases to deposits | 98.7541% | 469 |
| Net loans and leases to core deposits | 107.2253% | 641 |
| Total domestic deposits to total assets | 80.8916% | 5,435 |
| Equity capital to assets | 14.0612% | 1,025 |
| Core capital (leverage) ratio | 13.4381% | 970 |
| Tier 1 risk-based capital ratio | 17.5547% | 2,439 |
| Total risk-based capital ratio | 18.8439% | 2,384 |
| Memoranda: | ||
| Average total assets | $327,511,200 | 1,967 |
| Average earning assets | $308,241,600 | 1,921 |
| Average equity | $43,464,400 | 1,602 |
| Average total loans | $276,447,400 | 1,506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 2,037 |
| Cost of funding earning assets | 1.0446% | 1,306 |
| Net interest margin | 3.8483% | 3,124 |
| Noninterest income to average assets | 0.1723% | 6,276 |
| Noninterest expense to average assets | 1.6450% | 6,835 |
| Loan and lease loss provision to assets | 0.5460% | 1,071 |
| Net operating income to assets | 1.0864% | 2,144 |
| Return on assets (ROA) | 1.0864% | 2,339 |
| Pretax return on assets | 1.6021% | 1,570 |
| Return on Equity (ROE) | 8.3059% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.3059% | 1,492 |
| Net charge-offs to loans | 0.2614% | 3,156 |
| Credit loss provision to net charge-offs | 246.8007% | 1,122 |
| Earnings coverage of net charge-offs (x) | 9.7093% | 2,283 |
| Efficiency ratio | 43.3675% | 6,916 |
| Assets per employee ($millions) | 12.9019% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5252% | 205 |
| Loan loss allowance to noncurrent loans | 230.7678% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 2.2143% | 2,418 |
| Noncurrent loans to loans | 1.9609% | 2,882 |
| Net loans and leases to total assets | 82.1769% | 329 |
| Net loans and leases to deposits | 102.8505% | 314 |
| Net loans and leases to core deposits | 114.1325% | 427 |
| Total domestic deposits to total assets | 79.8994% | 5,679 |
| Equity capital to assets | 13.7986% | 1,232 |
| Core capital (leverage) ratio | 13.4206% | 1,040 |
| Tier 1 risk-based capital ratio | 16.7609% | 2,863 |
| Total risk-based capital ratio | 18.0555% | 2,787 |
| Memoranda: | ||
| Average total assets | $329,641,250 | 1,970 |
| Average earning assets | $310,151,500 | 1,924 |
| Average equity | $43,117,000 | 1,630 |
| Average total loans | $279,010,750 | 1,507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 2,146 |
| Cost of funding earning assets | 1.0871% | 1,275 |
| Net interest margin | 3.8036% | 3,341 |
| Noninterest income to average assets | 0.1813% | 6,268 |
| Noninterest expense to average assets | 1.6542% | 6,878 |
| Loan and lease loss provision to assets | 0.5422% | 1,141 |
| Net operating income to assets | 1.0620% | 2,194 |
| Return on assets (ROA) | 1.0620% | 2,422 |
| Pretax return on assets | 1.5638% | 1,658 |
| Return on Equity (ROE) | 8.2666% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.2666% | 1,542 |
| Net charge-offs to loans | 0.2848% | 2,897 |
| Credit loss provision to net charge-offs | 226.1307% | 1,258 |
| Earnings coverage of net charge-offs (x) | 8.7839% | 2,246 |
| Efficiency ratio | 43.9923% | 6,956 |
| Assets per employee ($millions) | 13.0705% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4098% | 248 |
| Loan loss allowance to noncurrent loans | 327.3358% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 1.6768% | 3,203 |
| Noncurrent loans to loans | 1.3472% | 3,908 |
| Net loans and leases to total assets | 81.3433% | 380 |
| Net loans and leases to deposits | 101.1104% | 377 |
| Net loans and leases to core deposits | 116.6691% | 378 |
| Total domestic deposits to total assets | 80.4500% | 5,629 |
| Equity capital to assets | 13.3409% | 1,373 |
| Core capital (leverage) ratio | 12.8485% | 1,196 |
| Tier 1 risk-based capital ratio | 16.3196% | 2,996 |
| Total risk-based capital ratio | 17.6126% | 2,949 |
| Memoranda: | ||
| Average total assets | $332,006,000 | 1,960 |
| Average earning assets | $312,386,330 | 1,914 |
| Average equity | $42,653,670 | 1,636 |
| Average total loans | $279,473,670 | 1,505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 2,387 |
| Cost of funding earning assets | 1.1276% | 1,267 |
| Net interest margin | 3.7354% | 3,668 |
| Noninterest income to average assets | 0.1638% | 6,402 |
| Noninterest expense to average assets | 1.6185% | 6,960 |
| Loan and lease loss provision to assets | 0.5379% | 1,103 |
| Net operating income to assets | 1.0364% | 2,339 |
| Return on assets (ROA) | 1.0364% | 2,531 |
| Pretax return on assets | 1.5277% | 1,804 |
| Return on Equity (ROE) | 8.2211% | 3,184 |
| Retained earnings to average equity (ytd only) | 8.2211% | 1,897 |
| Net charge-offs to loans | 0.1470% | 3,216 |
| Credit loss provision to net charge-offs | 436.8932% | 737 |
| Earnings coverage of net charge-offs (x) | 16.7767% | 1,338 |
| Efficiency ratio | 43.9325% | 6,995 |
| Assets per employee ($millions) | 13.3086% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3364% | 278 |
| Loan loss allowance to noncurrent loans | 287.0998% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 3,128 |
| Noncurrent loans to loans | 1.5104% | 3,851 |
| Net loans and leases to total assets | 80.2747% | 381 |
| Net loans and leases to deposits | 98.8395% | 414 |
| Net loans and leases to core deposits | 119.2465% | 321 |
| Total domestic deposits to total assets | 81.2173% | 5,541 |
| Equity capital to assets | 12.7656% | 1,566 |
| Core capital (leverage) ratio | 12.3891% | 1,390 |
| Tier 1 risk-based capital ratio | 15.8799% | 3,230 |
| Total risk-based capital ratio | 17.1718% | 3,185 |
| Memoranda: | ||
| Average total assets | $334,628,000 | 1,953 |
| Average earning assets | $315,365,000 | 1,899 |
| Average equity | $42,184,000 | 1,644 |
| Average total loans | $280,180,000 | 1,508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1203% | 2,371 |
| Cost of funding earning assets | 1.3365% | 1,311 |
| Net interest margin | 3.7838% | 3,910 |
| Noninterest income to average assets | 0.1548% | 6,377 |
| Noninterest expense to average assets | 1.6693% | 7,071 |
| Loan and lease loss provision to assets | 0.6419% | 1,590 |
| Net operating income to assets | 0.9735% | 2,307 |
| Return on assets (ROA) | 0.9735% | 2,441 |
| Pretax return on assets | 1.4348% | 1,670 |
| Return on Equity (ROE) | 9.1717% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.1717% | 757 |
| Net charge-offs to loans | 0.8696% | 1,995 |
| Credit loss provision to net charge-offs | 87.5274% | 4,122 |
| Earnings coverage of net charge-offs (x) | 2.8319% | 3,796 |
| Efficiency ratio | 44.5634% | 7,106 |
| Assets per employee ($millions) | 13.4616% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1826% | 327 |
| Loan loss allowance to noncurrent loans | 308.4186% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 1.6043% | 3,547 |
| Noncurrent loans to loans | 1.3561% | 4,110 |
| Net loans and leases to total assets | 80.0518% | 491 |
| Net loans and leases to deposits | 98.3794% | 531 |
| Net loans and leases to core deposits | 122.1529% | 318 |
| Total domestic deposits to total assets | 81.3705% | 5,338 |
| Equity capital to assets | 12.4487% | 1,822 |
| Core capital (leverage) ratio | 11.6368% | 1,797 |
| Tier 1 risk-based capital ratio | 15.5993% | 3,270 |
| Total risk-based capital ratio | 16.8897% | 3,202 |
| Memoranda: | ||
| Average total assets | $373,918,800 | 1,742 |
| Average earning assets | $354,881,200 | 1,669 |
| Average equity | $39,687,200 | 1,705 |
| Average total loans | $315,325,200 | 1,345 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1429% | 2,413 |
| Cost of funding earning assets | 1.3636% | 1,404 |
| Net interest margin | 3.7793% | 3,973 |
| Noninterest income to average assets | 0.1492% | 6,513 |
| Noninterest expense to average assets | 1.6350% | 7,152 |
| Loan and lease loss provision to assets | 0.6262% | 1,561 |
| Net operating income to assets | 0.9991% | 2,326 |
| Return on assets (ROA) | 0.9991% | 2,476 |
| Pretax return on assets | 1.4806% | 1,701 |
| Return on Equity (ROE) | 9.7846% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.7846% | 910 |
| Net charge-offs to loans | 0.1844% | 4,323 |
| Credit loss provision to net charge-offs | 401.7857% | 712 |
| Earnings coverage of net charge-offs (x) | 13.5178% | 1,608 |
| Efficiency ratio | 43.6965% | 7,156 |
| Assets per employee ($millions) | 14.3050% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6270% | 242 |
| Loan loss allowance to noncurrent loans | 643.1166% | 538 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 4,729 |
| Noncurrent loans to loans | 0.7195% | 5,438 |
| Net loans and leases to total assets | 77.5440% | 762 |
| Net loans and leases to deposits | 93.5794% | 875 |
| Net loans and leases to core deposits | 121.1426% | 359 |
| Total domestic deposits to total assets | 82.8644% | 4,733 |
| Equity capital to assets | 11.4495% | 2,730 |
| Core capital (leverage) ratio | 10.8321% | 2,541 |
| Tier 1 risk-based capital ratio | 14.7596% | 3,801 |
| Total risk-based capital ratio | 16.0567% | 3,745 |
| Memoranda: | ||
| Average total assets | $383,263,250 | 1,698 |
| Average earning assets | $364,322,000 | 1,630 |
| Average equity | $39,135,250 | 1,730 |
| Average total loans | $323,864,750 | 1,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 2,473 |
| Cost of funding earning assets | 1.3767% | 1,518 |
| Net interest margin | 3.7717% | 3,930 |
| Noninterest income to average assets | 0.1491% | 6,577 |
| Noninterest expense to average assets | 1.6237% | 7,240 |
| Loan and lease loss provision to assets | 0.6125% | 1,563 |
| Net operating income to assets | 1.0097% | 2,186 |
| Return on assets (ROA) | 1.0097% | 2,285 |
| Pretax return on assets | 1.5012% | 1,529 |
| Return on Equity (ROE) | 10.2669% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.2669% | 787 |
| Net charge-offs to loans | 0.2658% | 3,560 |
| Credit loss provision to net charge-offs | 269.6629% | 1,128 |
| Earnings coverage of net charge-offs (x) | 9.3056% | 1,942 |
| Efficiency ratio | 43.4444% | 7,258 |
| Assets per employee ($millions) | 14.8306% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0379% | 407 |
| Loan loss allowance to noncurrent loans | 480.6355% | 692 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 4,700 |
| Noncurrent loans to loans | 0.8401% | 5,251 |
| Net loans and leases to total assets | 82.4104% | 346 |
| Net loans and leases to deposits | 99.8634% | 501 |
| Net loans and leases to core deposits | 139.4369% | 191 |
| Total domestic deposits to total assets | 82.5231% | 4,977 |
| Equity capital to assets | 10.7216% | 3,263 |
| Core capital (leverage) ratio | 10.1667% | 3,073 |
| Tier 1 risk-based capital ratio | 13.2279% | 4,747 |
| Total risk-based capital ratio | 14.5164% | 4,692 |
| Memoranda: | ||
| Average total assets | $391,809,670 | 1,677 |
| Average earning assets | $372,781,000 | 1,617 |
| Average equity | $38,531,670 | 1,744 |
| Average total loans | $334,896,330 | 1,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 2,569 |
| Cost of funding earning assets | 1.3704% | 1,763 |
| Net interest margin | 3.7469% | 3,856 |
| Noninterest income to average assets | 0.1442% | 6,688 |
| Noninterest expense to average assets | 1.6046% | 7,302 |
| Loan and lease loss provision to assets | 0.5965% | 1,446 |
| Net operating income to assets | 1.0171% | 2,122 |
| Return on assets (ROA) | 1.0171% | 2,172 |
| Pretax return on assets | 1.5122% | 1,411 |
| Return on Equity (ROE) | 10.7907% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.7907% | 939 |
| Net charge-offs to loans | 0.4791% | 2,274 |
| Credit loss provision to net charge-offs | 145.9854% | 1,942 |
| Earnings coverage of net charge-offs (x) | 5.1606% | 2,321 |
| Efficiency ratio | 43.2129% | 7,309 |
| Assets per employee ($millions) | 16.4990% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7477% | 508 |
| Loan loss allowance to noncurrent loans | 465.0397% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 4,915 |
| Noncurrent loans to loans | 0.8059% | 5,420 |
| Net loans and leases to total assets | 79.7202% | 535 |
| Net loans and leases to deposits | 95.6828% | 713 |
| Net loans and leases to core deposits | 147.5206% | 160 |
| Total domestic deposits to total assets | 83.3171% | 4,787 |
| Equity capital to assets | 9.7360% | 4,131 |
| Core capital (leverage) ratio | 9.5027% | 3,800 |
| Tier 1 risk-based capital ratio | 12.3980% | 5,353 |
| Total risk-based capital ratio | 13.6822% | 5,306 |
| Memoranda: | ||
| Average total assets | $402,332,500 | 1,642 |
| Average earning assets | $383,248,500 | 1,577 |
| Average equity | $37,921,500 | 1,755 |
| Average total loans | $343,142,000 | 1,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 3,125 |
| Cost of funding earning assets | 1.4421% | 3,009 |
| Net interest margin | 3.8590% | 3,694 |
| Noninterest income to average assets | 0.1435% | 6,671 |
| Noninterest expense to average assets | 1.2223% | 7,543 |
| Loan and lease loss provision to assets | 2.1194% | 602 |
| Net operating income to assets | 0.3850% | 4,616 |
| Return on assets (ROA) | 0.3850% | 4,759 |
| Pretax return on assets | 0.4886% | 4,659 |
| Return on Equity (ROE) | 4.5569% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.2063% | 3,621 |
| Net charge-offs to loans | 0.4903% | 3,663 |
| Credit loss provision to net charge-offs | 483.9500% | 472 |
| Earnings coverage of net charge-offs (x) | 5.9552% | 2,483 |
| Efficiency ratio | 31.9113% | 7,575 |
| Assets per employee ($millions) | 17.7691% | 69 |
| Cash dividends to net income (ytd only)* | 29.6384% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3774% | 641 |
| Loan loss allowance to noncurrent loans | 706.8925% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 6,188 |
| Noncurrent loans to loans | 0.4778% | 6,080 |
| Net loans and leases to total assets | 84.7143% | 251 |
| Net loans and leases to deposits | 101.8894% | 491 |
| Net loans and leases to core deposits | 176.4029% | 118 |
| Total domestic deposits to total assets | 83.1435% | 4,738 |
| Equity capital to assets | 9.1245% | 4,952 |
| Core capital (leverage) ratio | 8.7297% | 4,968 |
| Tier 1 risk-based capital ratio | 11.3457% | 6,037 |
| Total risk-based capital ratio | 12.6260% | 6,008 |
| Memoranda: | ||
| Average total assets | $438,194,400 | 1,523 |
| Average earning assets | $418,635,000 | 1,446 |
| Average equity | $37,020,400 | 1,790 |
| Average total loans | $391,401,800 | 1,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 3,405 |
| Cost of funding earning assets | 1.4531% | 3,258 |
| Net interest margin | 3.8349% | 3,818 |
| Noninterest income to average assets | 0.1436% | 6,827 |
| Noninterest expense to average assets | 1.2457% | 7,652 |
| Loan and lease loss provision to assets | 2.7790% | 344 |
| Net operating income to assets | -0.0356% | 6,070 |
| Return on assets (ROA) | -0.0356% | 6,188 |
| Pretax return on assets | -0.2160% | 6,331 |
| Return on Equity (ROE) | -0.4294% | 6,205 |
| Retained earnings to average equity (ytd only) | -2.2334% | 6,244 |
| Net charge-offs to loans | 0.2739% | 4,308 |
| Credit loss provision to net charge-offs | 1,131.1815% | 257 |
| Earnings coverage of net charge-offs (x) | 10.4324% | 1,883 |
| Efficiency ratio | 32.7074% | 7,661 |
| Assets per employee ($millions) | 18.5614% | 66 |
| Cash dividends to net income (ytd only)* | -420.1752% | 7,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4555% | 556 |
| Loan loss allowance to noncurrent loans | 702.8754% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 6,264 |
| Noncurrent loans to loans | 0.4916% | 6,213 |
| Net loans and leases to total assets | 86.3881% | 172 |
| Net loans and leases to deposits | 102.7169% | 497 |
| Net loans and leases to core deposits | 215.2941% | 79 |
| Total domestic deposits to total assets | 84.1030% | 4,057 |
| Equity capital to assets | 8.3963% | 6,401 |
| Core capital (leverage) ratio | 7.9548% | 6,412 |
| Tier 1 risk-based capital ratio | 10.4198% | 6,821 |
| Total risk-based capital ratio | 11.7030% | 6,801 |
| Memoranda: | ||
| Average total assets | $445,570,500 | 1,516 |
| Average earning assets | $425,827,750 | 1,445 |
| Average equity | $36,952,750 | 1,808 |
| Average total loans | $399,672,000 | 1,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 3,761 |
| Cost of funding earning assets | 1.4606% | 3,491 |
| Net interest margin | 3.7789% | 3,997 |
| Noninterest income to average assets | 0.1403% | 6,881 |
| Noninterest expense to average assets | 1.1612% | 7,743 |
| Loan and lease loss provision to assets | 0.7083% | 2,056 |
| Net operating income to assets | 1.2298% | 1,486 |
| Return on assets (ROA) | 1.2298% | 1,549 |
| Pretax return on assets | 1.8845% | 763 |
| Return on Equity (ROE) | 14.8867% | 875 |
| Retained earnings to average equity (ytd only) | 12.2073% | 459 |
| Net charge-offs to loans | 0.1050% | 5,100 |
| Credit loss provision to net charge-offs | 751.1737% | 494 |
| Earnings coverage of net charge-offs (x) | 27.4977% | 976 |
| Efficiency ratio | 30.9316% | 7,738 |
| Assets per employee ($millions) | 19.1558% | 69 |
| Cash dividends to net income (ytd only)* | 17.9986% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,631 |
| Loan loss allowance to noncurrent loans | 352.7954% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 6,349 |
| Noncurrent loans to loans | 0.4416% | 6,359 |
| Net loans and leases to total assets | 87.7894% | 141 |
| Net loans and leases to deposits | 104.4583% | 465 |
| Net loans and leases to core deposits | 262.7830% | 58 |
| Total domestic deposits to total assets | 84.0425% | 4,090 |
| Equity capital to assets | 8.7137% | 5,866 |
| Core capital (leverage) ratio | 8.4735% | 5,457 |
| Tier 1 risk-based capital ratio | 10.7451% | 6,485 |
| Total risk-based capital ratio | 12.0011% | 6,467 |
| Memoranda: | ||
| Average total assets | $451,790,000 | 1,513 |
| Average earning assets | $432,028,000 | 1,442 |
| Average equity | $37,322,000 | 1,782 |
| Average total loans | $405,562,330 | 1,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 4,027 |
| Cost of funding earning assets | 1.4530% | 3,852 |
| Net interest margin | 3.7452% | 4,027 |
| Noninterest income to average assets | 0.1321% | 7,029 |
| Noninterest expense to average assets | 1.1920% | 7,832 |
| Loan and lease loss provision to assets | 0.9182% | 1,386 |
| Net operating income to assets | 1.0503% | 2,000 |
| Return on assets (ROA) | 1.0503% | 2,061 |
| Pretax return on assets | 1.6012% | 1,260 |
| Return on Equity (ROE) | 13.0588% | 1,241 |
| Retained earnings to average equity (ytd only) | 13.0588% | 613 |
| Net charge-offs to loans | 0.1515% | 4,026 |
| Credit loss provision to net charge-offs | 673.0769% | 655 |
| Earnings coverage of net charge-offs (x) | 18.4679% | 1,235 |
| Efficiency ratio | 32.1159% | 7,831 |
| Assets per employee ($millions) | 19.7050% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,502 |
| Loan loss allowance to noncurrent loans | 275.8824% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 6,251 |
| Noncurrent loans to loans | 0.5013% | 6,292 |
| Net loans and leases to total assets | 88.5419% | 109 |
| Net loans and leases to deposits | 104.6842% | 485 |
| Net loans and leases to core deposits | 287.0668% | 57 |
| Total domestic deposits to total assets | 84.5799% | 3,857 |
| Equity capital to assets | 8.2555% | 6,363 |
| Core capital (leverage) ratio | 8.0500% | 6,164 |
| Tier 1 risk-based capital ratio | 10.0979% | 6,964 |
| Total risk-based capital ratio | 11.3516% | 6,956 |
| Memoranda: | ||
| Average total assets | $457,393,500 | 1,538 |
| Average earning assets | $437,151,000 | 1,458 |
| Average equity | $36,787,500 | 1,831 |
| Average total loans | $411,890,500 | 1,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2544% | 5,391 |
| Cost of funding earning assets | 2.1198% | 2,366 |
| Net interest margin | 3.1346% | 6,268 |
| Noninterest income to average assets | 0.1386% | 7,054 |
| Noninterest expense to average assets | 1.2477% | 7,895 |
| Loan and lease loss provision to assets | 1.8605% | 1,207 |
| Net operating income to assets | 0.1108% | 5,182 |
| Return on assets (ROA) | 0.1108% | 5,229 |
| Pretax return on assets | 0.0399% | 5,346 |
| Return on Equity (ROE) | 1.4040% | 5,117 |
| Retained earnings to average equity (ytd only) | 1.0451% | 4,308 |
| Net charge-offs to loans | 2.3793% | 963 |
| Credit loss provision to net charge-offs | 86.2348% | 6,126 |
| Earnings coverage of net charge-offs (x) | 0.8808% | 5,225 |
| Efficiency ratio | 39.6345% | 7,865 |
| Assets per employee ($millions) | 20.0683% | 78 |
| Cash dividends to net income (ytd only)* | 25.5624% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,716 |
| Loan loss allowance to noncurrent loans | 69.6894% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4834% | 4,162 |
| Noncurrent loans to loans | 1.6295% | 4,200 |
| Net loans and leases to total assets | 89.2892% | 117 |
| Net loans and leases to deposits | 106.8305% | 511 |
| Net loans and leases to core deposits | 346.0548% | 26 |
| Total domestic deposits to total assets | 83.5802% | 4,244 |
| Equity capital to assets | 7.8341% | 6,731 |
| Core capital (leverage) ratio | 7.6423% | 6,627 |
| Tier 1 risk-based capital ratio | 9.1084% | 7,422 |
| Total risk-based capital ratio | 10.3212% | 7,458 |
| Memoranda: | ||
| Average total assets | $441,447,800 | 1,577 |
| Average earning assets | $423,819,000 | 1,489 |
| Average equity | $34,829,200 | 1,931 |
| Average total loans | $400,278,000 | 1,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 5,490 |
| Cost of funding earning assets | 2.2843% | 2,047 |
| Net interest margin | 3.0050% | 6,599 |
| Noninterest income to average assets | 0.1387% | 7,185 |
| Noninterest expense to average assets | 1.3574% | 7,938 |
| Loan and lease loss provision to assets | 0.8441% | 2,268 |
| Net operating income to assets | 0.5869% | 3,648 |
| Return on assets (ROA) | 0.5869% | 3,714 |
| Pretax return on assets | 0.8261% | 3,455 |
| Return on Equity (ROE) | 7.4247% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.9416% | 1,528 |
| Net charge-offs to loans | 0.7866% | 2,394 |
| Credit loss provision to net charge-offs | 118.2285% | 4,296 |
| Earnings coverage of net charge-offs (x) | 2.3393% | 4,067 |
| Efficiency ratio | 44.8335% | 7,810 |
| Assets per employee ($millions) | 19.9384% | 79 |
| Cash dividends to net income (ytd only)* | 6.5069% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,202 |
| Loan loss allowance to noncurrent loans | 93.9051% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.5943% | 3,964 |
| Noncurrent loans to loans | 1.6486% | 4,169 |
| Net loans and leases to total assets | 89.7388% | 128 |
| Net loans and leases to deposits | 108.5262% | 522 |
| Net loans and leases to core deposits | 360.1546% | 29 |
| Total domestic deposits to total assets | 82.6886% | 4,368 |
| Equity capital to assets | 7.7910% | 7,048 |
| Core capital (leverage) ratio | 7.7297% | 6,691 |
| Tier 1 risk-based capital ratio | 8.8451% | 7,667 |
| Total risk-based capital ratio | 10.0999% | 7,693 |
| Memoranda: | ||
| Average total assets | $436,416,750 | 1,596 |
| Average earning assets | $419,552,000 | 1,524 |
| Average equity | $34,496,500 | 1,971 |
| Average total loans | $396,130,500 | 1,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 5,822 |
| Cost of funding earning assets | 2.4984% | 1,616 |
| Net interest margin | 2.7627% | 7,080 |
| Noninterest income to average assets | 0.1408% | 7,248 |
| Noninterest expense to average assets | 1.3388% | 8,044 |
| Loan and lease loss provision to assets | 0.5422% | 2,858 |
| Net operating income to assets | 0.6424% | 3,494 |
| Return on assets (ROA) | 0.6424% | 3,597 |
| Pretax return on assets | 0.9156% | 3,285 |
| Return on Equity (ROE) | 8.0854% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.6454% | 1,333 |
| Net charge-offs to loans | 0.2767% | 3,813 |
| Credit loss provision to net charge-offs | 216.1710% | 2,129 |
| Earnings coverage of net charge-offs (x) | 5.8123% | 2,754 |
| Efficiency ratio | 47.8746% | 7,764 |
| Assets per employee ($millions) | 19.4210% | 81 |
| Cash dividends to net income (ytd only)* | 5.4427% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 2,590 |
| Loan loss allowance to noncurrent loans | 88.8504% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.8382% | 3,417 |
| Noncurrent loans to loans | 1.8415% | 3,748 |
| Net loans and leases to total assets | 89.7684% | 149 |
| Net loans and leases to deposits | 109.3685% | 582 |
| Net loans and leases to core deposits | 351.0295% | 32 |
| Total domestic deposits to total assets | 82.0788% | 4,656 |
| Equity capital to assets | 7.7715% | 7,010 |
| Core capital (leverage) ratio | 7.9198% | 6,454 |
| Tier 1 risk-based capital ratio | 8.9851% | 7,701 |
| Total risk-based capital ratio | 10.2412% | 7,723 |
| Memoranda: | ||
| Average total assets | $429,028,000 | 1,651 |
| Average earning assets | $412,421,670 | 1,575 |
| Average equity | $34,086,000 | 1,985 |
| Average total loans | $388,841,330 | 1,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 6,189 |
| Cost of funding earning assets | 2.7656% | 1,070 |
| Net interest margin | 2.4644% | 7,541 |
| Noninterest income to average assets | 0.1428% | 7,276 |
| Noninterest expense to average assets | 1.1423% | 8,132 |
| Loan and lease loss provision to assets | 0.5712% | 2,201 |
| Net operating income to assets | 0.5721% | 4,134 |
| Return on assets (ROA) | 0.5721% | 4,330 |
| Pretax return on assets | 0.7968% | 4,088 |
| Return on Equity (ROE) | 7.1183% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.8222% | 2,279 |
| Net charge-offs to loans | -0.0021% | 7,114 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5063% | 7,868 |
| Assets per employee ($millions) | 18.5760% | 91 |
| Cash dividends to net income (ytd only)* | 4.1597% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,023 |
| Loan loss allowance to noncurrent loans | 82.2649% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.0997% | 2,751 |
| Noncurrent loans to loans | 2.1090% | 3,104 |
| Net loans and leases to total assets | 88.1151% | 254 |
| Net loans and leases to deposits | 107.7732% | 741 |
| Net loans and leases to core deposits | 326.5503% | 32 |
| Total domestic deposits to total assets | 81.7598% | 4,652 |
| Equity capital to assets | 7.9860% | 6,832 |
| Core capital (leverage) ratio | 8.0110% | 6,429 |
| Tier 1 risk-based capital ratio | 9.3171% | 7,570 |
| Total risk-based capital ratio | 10.5744% | 7,542 |
| Memoranda: | ||
| Average total assets | $420,200,000 | 1,699 |
| Average earning assets | $403,672,000 | 1,614 |
| Average equity | $33,772,000 | 2,015 |
| Average total loans | $379,436,500 | 1,316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1453% | 4,798 |
| Cost of funding earning assets | 3.5371% | 472 |
| Net interest margin | 2.6083% | 7,635 |
| Noninterest income to average assets | 0.1320% | 7,448 |
| Noninterest expense to average assets | 1.2687% | 8,136 |
| Loan and lease loss provision to assets | 0.6275% | 2,319 |
| Net operating income to assets | 0.5945% | 4,320 |
| Return on assets (ROA) | 0.5945% | 4,190 |
| Pretax return on assets | 0.7457% | 4,257 |
| Return on Equity (ROE) | 6.9378% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.6636% | 2,226 |
| Net charge-offs to loans | 0.2608% | 3,672 |
| Credit loss provision to net charge-offs | 265.0933% | 1,748 |
| Earnings coverage of net charge-offs (x) | 5.8013% | 3,528 |
| Efficiency ratio | 48.0232% | 7,804 |
| Assets per employee ($millions) | 17.9631% | 90 |
| Cash dividends to net income (ytd only)* | 32.7797% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 2,209 |
| Loan loss allowance to noncurrent loans | 75.2615% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 2,440 |
| Noncurrent loans to loans | 2.1376% | 2,582 |
| Net loans and leases to total assets | 89.4855% | 237 |
| Net loans and leases to deposits | 110.7022% | 791 |
| Net loans and leases to core deposits | 268.7752% | 59 |
| Total domestic deposits to total assets | 80.8344% | 4,719 |
| Equity capital to assets | 8.0900% | 6,712 |
| Core capital (leverage) ratio | 8.2529% | 6,050 |
| Tier 1 risk-based capital ratio | 9.3066% | 7,518 |
| Total risk-based capital ratio | 10.5620% | 7,429 |
| Memoranda: | ||
| Average total assets | $384,888,800 | 1,758 |
| Average earning assets | $370,363,000 | 1,682 |
| Average equity | $32,978,800 | 2,050 |
| Average total loans | $349,350,800 | 1,389 |