Home > BankWest, Inc. > Performance and Condition Ratios
BankWest, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 921 |
| Cost of funding earning assets | 1.8476% | 1,164 |
| Net interest margin | 3.8579% | 1,460 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 3.7395% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6974% | 3,204 |
| Return on assets (ROA) | 0.6049% | 3,421 |
| Pretax return on assets | 0.7656% | 3,299 |
| Return on Equity (ROE) | 8.5200% | 2,887 |
| Retained earnings to average equity (ytd only) | 7.9975% | 1,542 |
| Net charge-offs to loans | -0.0054% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.4710% | 948 |
| Assets per employee ($millions) | 4.3228% | 4,037 |
| Cash dividends to net income (ytd only)* | 6.0932% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 2,645 |
| Loan loss allowance to noncurrent loans | 206.8731% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 1,404 |
| Noncurrent loans to loans | 0.5472% | 1,436 |
| Net loans and leases to total assets | 63.1600% | 2,554 |
| Net loans and leases to deposits | 75.0775% | 2,537 |
| Net loans and leases to core deposits | 83.5630% | 2,490 |
| Total domestic deposits to total assets | 84.1200% | 2,592 |
| Equity capital to assets | 7.5426% | 3,695 |
| Core capital (leverage) ratio | 9.5325% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7543% | 2,637 |
| Memoranda: | ||
| Average total assets | $1,627,809,400 | 671 |
| Average earning assets | $1,508,044,800 | 664 |
| Average equity | $115,623,000 | 854 |
| Average total loans | $1,011,056,600 | 720 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 1,051 |
| Cost of funding earning assets | 1.7318% | 1,130 |
| Net interest margin | 3.7382% | 1,705 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 3.8086% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5372% | 3,688 |
| Return on assets (ROA) | 0.4705% | 3,825 |
| Pretax return on assets | 0.5590% | 3,808 |
| Return on Equity (ROE) | 6.7300% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.0200% | 2,630 |
| Net charge-offs to loans | -0.0106% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.1916% | 602 |
| Assets per employee ($millions) | 4.5189% | 3,929 |
| Cash dividends to net income (ytd only)* | 10.5374% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 1,875 |
| Loan loss allowance to noncurrent loans | 227.6949% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 1,452 |
| Noncurrent loans to loans | 0.5704% | 1,406 |
| Net loans and leases to total assets | 62.2400% | 2,630 |
| Net loans and leases to deposits | 73.1045% | 2,640 |
| Net loans and leases to core deposits | 81.5962% | 2,496 |
| Total domestic deposits to total assets | 85.1400% | 2,458 |
| Equity capital to assets | 6.8074% | 3,707 |
| Core capital (leverage) ratio | 9.5108% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2353% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,613,430,250 | 679 |
| Average earning assets | $1,494,710,250 | 672 |
| Average equity | $112,820,250 | 864 |
| Average total loans | $995,275,250 | 728 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 1,177 |
| Cost of funding earning assets | 1.5350% | 1,182 |
| Net interest margin | 3.6922% | 1,831 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.8292% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4777% | 3,854 |
| Return on assets (ROA) | 0.3738% | 4,061 |
| Pretax return on assets | 0.4251% | 4,079 |
| Return on Equity (ROE) | 5.3000% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.2383% | 3,149 |
| Net charge-offs to loans | 0.0401% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 22.1168% | 1,705 |
| Efficiency ratio | 86.1358% | 490 |
| Assets per employee ($millions) | 4.6584% | 3,852 |
| Cash dividends to net income (ytd only)* | 20.0067% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,007 |
| Loan loss allowance to noncurrent loans | 311.1610% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 1,762 |
| Noncurrent loans to loans | 0.4118% | 1,697 |
| Net loans and leases to total assets | 61.4800% | 2,625 |
| Net loans and leases to deposits | 73.3833% | 2,552 |
| Net loans and leases to core deposits | 78.9442% | 2,545 |
| Total domestic deposits to total assets | 83.7800% | 2,876 |
| Equity capital to assets | 7.0543% | 3,765 |
| Core capital (leverage) ratio | 9.4191% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9376% | 2,646 |
| Memoranda: | ||
| Average total assets | $1,604,454,667 | 672 |
| Average earning assets | $1,489,095,333 | 662 |
| Average equity | $113,205,333 | 853 |
| Average total loans | $982,225,667 | 724 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 1,243 |
| Cost of funding earning assets | 1.2656% | 1,309 |
| Net interest margin | 3.7232% | 1,841 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 3.9971% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4518% | 4,000 |
| Return on assets (ROA) | 0.2124% | 4,306 |
| Pretax return on assets | 0.1719% | 4,363 |
| Return on Equity (ROE) | 3.0100% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.0096% | 3,501 |
| Net charge-offs to loans | 0.0725% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.3506% | 1,691 |
| Efficiency ratio | 89.2183% | 380 |
| Assets per employee ($millions) | 4.4722% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,749 |
| Loan loss allowance to noncurrent loans | 113.5608% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 644 |
| Noncurrent loans to loans | 1.2037% | 572 |
| Net loans and leases to total assets | 59.9100% | 2,657 |
| Net loans and leases to deposits | 68.8781% | 2,704 |
| Net loans and leases to core deposits | 74.1563% | 2,668 |
| Total domestic deposits to total assets | 86.9800% | 2,271 |
| Equity capital to assets | 7.2072% | 3,725 |
| Core capital (leverage) ratio | 9.5055% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3100% | 2,631 |
| Memoranda: | ||
| Average total assets | $1,582,147,500 | 693 |
| Average earning assets | $1,469,046,000 | 685 |
| Average equity | $111,643,000 | 874 |
| Average total loans | $959,839,500 | 753 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 1,255 |
| Cost of funding earning assets | 0.4217% | 1,924 |
| Net interest margin | 3.7759% | 1,211 |
| Noninterest income to average assets | 1.2800% | 415 |
| Noninterest expense to average assets | 3.6124% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9472% | 2,780 |
| Return on assets (ROA) | 0.7777% | 3,341 |
| Pretax return on assets | 0.9851% | 3,116 |
| Return on Equity (ROE) | 10.3300% | 2,703 |
| Retained earnings to average equity (ytd only) | 10.3304% | 1,060 |
| Net charge-offs to loans | 0.0341% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 59.9246% | 1,257 |
| Efficiency ratio | 73.6564% | 1,249 |
| Assets per employee ($millions) | 4.1601% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,510 |
| Loan loss allowance to noncurrent loans | 150.9722% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 860 |
| Noncurrent loans to loans | 0.9259% | 800 |
| Net loans and leases to total assets | 59.7500% | 2,656 |
| Net loans and leases to deposits | 66.4392% | 2,863 |
| Net loans and leases to core deposits | 69.8772% | 2,883 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 6.9046% | 3,711 |
| Core capital (leverage) ratio | 9.6761% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5384% | 2,556 |
| Memoranda: | ||
| Average total assets | $1,523,492,000 | 691 |
| Average earning assets | $1,425,951,200 | 678 |
| Average equity | $114,690,200 | 845 |
| Average total loans | $893,433,000 | 752 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 1,229 |
| Cost of funding earning assets | 0.3102% | 2,061 |
| Net interest margin | 3.7108% | 1,109 |
| Noninterest income to average assets | 1.1700% | 523 |
| Noninterest expense to average assets | 3.6662% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7587% | 3,390 |
| Return on assets (ROA) | 0.5858% | 3,827 |
| Pretax return on assets | 0.7676% | 3,657 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6166% | 2,146 |
| Net charge-offs to loans | 0.0445% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 38.1331% | 1,410 |
| Efficiency ratio | 77.3184% | 968 |
| Assets per employee ($millions) | 4.0723% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,384 |
| Loan loss allowance to noncurrent loans | 95.4098% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 497 |
| Noncurrent loans to loans | 1.5405% | 445 |
| Net loans and leases to total assets | 59.1400% | 2,593 |
| Net loans and leases to deposits | 64.4780% | 2,825 |
| Net loans and leases to core deposits | 70.9484% | 2,570 |
| Total domestic deposits to total assets | 91.7300% | 961 |
| Equity capital to assets | 6.4977% | 3,738 |
| Core capital (leverage) ratio | 9.3676% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9175% | 2,508 |
| Memoranda: | ||
| Average total assets | $1,510,194,750 | 700 |
| Average earning assets | $1,416,872,500 | 689 |
| Average equity | $116,147,000 | 853 |
| Average total loans | $877,945,000 | 764 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 1,258 |
| Cost of funding earning assets | 0.2589% | 2,154 |
| Net interest margin | 3.5672% | 1,140 |
| Noninterest income to average assets | 1.1430% | 517 |
| Noninterest expense to average assets | 3.6336% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6622% | 3,436 |
| Return on assets (ROA) | 0.5764% | 3,636 |
| Pretax return on assets | 0.7575% | 3,432 |
| Return on Equity (ROE) | 7.1249% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.1249% | 1,945 |
| Net charge-offs to loans | 0.0611% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 24.6528% | 1,475 |
| Efficiency ratio | 79.2204% | 1,005 |
| Assets per employee ($millions) | 4.1187% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,471 |
| Loan loss allowance to noncurrent loans | 89.4006% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 481 |
| Noncurrent loans to loans | 1.6504% | 430 |
| Net loans and leases to total assets | 58.8476% | 2,452 |
| Net loans and leases to deposits | 63.9785% | 2,723 |
| Net loans and leases to core deposits | 70.0640% | 2,484 |
| Total domestic deposits to total assets | 91.9802% | 841 |
| Equity capital to assets | 7.0654% | 3,729 |
| Core capital (leverage) ratio | 9.2897% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7977% | 2,569 |
| Memoranda: | ||
| Average total assets | $1,508,625,667 | 694 |
| Average earning assets | $1,419,583,333 | 684 |
| Average equity | $122,051,333 | 825 |
| Average total loans | $867,480,000 | 758 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 1,477 |
| Cost of funding earning assets | 0.2457% | 2,205 |
| Net interest margin | 3.3654% | 1,387 |
| Noninterest income to average assets | 1.1151% | 546 |
| Noninterest expense to average assets | 3.7005% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4551% | 3,832 |
| Return on assets (ROA) | 0.4551% | 3,799 |
| Pretax return on assets | 0.5895% | 3,664 |
| Return on Equity (ROE) | 5.2865% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.2865% | 2,483 |
| Net charge-offs to loans | -0.0080% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6464% | 807 |
| Assets per employee ($millions) | 4.1646% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 1,330 |
| Loan loss allowance to noncurrent loans | 79.4182% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 407 |
| Noncurrent loans to loans | 1.9871% | 376 |
| Net loans and leases to total assets | 55.8314% | 2,546 |
| Net loans and leases to deposits | 61.2244% | 2,786 |
| Net loans and leases to core deposits | 67.2007% | 2,523 |
| Total domestic deposits to total assets | 91.1914% | 937 |
| Equity capital to assets | 7.9309% | 3,623 |
| Core capital (leverage) ratio | 9.1113% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9625% | 2,224 |
| Memoranda: | ||
| Average total assets | $1,503,038,000 | 695 |
| Average earning assets | $1,417,961,500 | 688 |
| Average equity | $129,387,000 | 794 |
| Average total loans | $847,340,000 | 767 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 1,715 |
| Cost of funding earning assets | 0.3932% | 1,593 |
| Net interest margin | 3.4724% | 1,822 |
| Noninterest income to average assets | 1.5527% | 465 |
| Noninterest expense to average assets | 3.4038% | 540 |
| Loan and lease loss provision to assets | 0.0155% | 2,769 |
| Net operating income to assets | 1.0303% | 2,557 |
| Return on assets (ROA) | 1.0167% | 2,683 |
| Pretax return on assets | 1.3437% | 2,226 |
| Return on Equity (ROE) | 10.7270% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.0838% | 1,890 |
| Net charge-offs to loans | 0.0474% | 1,350 |
| Credit loss provision to net charge-offs | 55.0122% | 2,100 |
| Earnings coverage of net charge-offs (x) | 48.7335% | 1,311 |
| Efficiency ratio | 69.6937% | 1,776 |
| Assets per employee ($millions) | 4.2210% | 4,315 |
| Cash dividends to net income (ytd only)* | 33.9628% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 1,211 |
| Loan loss allowance to noncurrent loans | 80.8548% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 458 |
| Noncurrent loans to loans | 2.0065% | 391 |
| Net loans and leases to total assets | 55.1146% | 2,721 |
| Net loans and leases to deposits | 62.0420% | 2,877 |
| Net loans and leases to core deposits | 65.9592% | 2,826 |
| Total domestic deposits to total assets | 88.8343% | 1,601 |
| Equity capital to assets | 9.2862% | 3,331 |
| Core capital (leverage) ratio | 9.1470% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0011% | 2,253 |
| Memoranda: | ||
| Average total assets | $1,448,008,800 | 701 |
| Average earning assets | $1,345,969,600 | 695 |
| Average equity | $137,242,400 | 763 |
| Average total loans | $863,410,000 | 751 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 1,480 |
| Cost of funding earning assets | 0.3491% | 2,123 |
| Net interest margin | 3.6761% | 1,395 |
| Noninterest income to average assets | 1.6699% | 454 |
| Noninterest expense to average assets | 3.3054% | 593 |
| Loan and lease loss provision to assets | 0.0209% | 2,572 |
| Net operating income to assets | 1.3214% | 1,753 |
| Return on assets (ROA) | 1.3191% | 1,816 |
| Pretax return on assets | 1.7416% | 1,304 |
| Return on Equity (ROE) | 13.8444% | 1,434 |
| Retained earnings to average equity (ytd only) | 8.9665% | 1,709 |
| Net charge-offs to loans | 0.0419% | 1,261 |
| Credit loss provision to net charge-offs | 82.4176% | 1,703 |
| Earnings coverage of net charge-offs (x) | 69.5678% | 1,069 |
| Efficiency ratio | 63.7440% | 2,428 |
| Assets per employee ($millions) | 4.1524% | 4,364 |
| Cash dividends to net income (ytd only)* | 35.2336% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 1,238 |
| Loan loss allowance to noncurrent loans | 67.4358% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 320 |
| Noncurrent loans to loans | 2.4346% | 313 |
| Net loans and leases to total assets | 57.5177% | 2,558 |
| Net loans and leases to deposits | 65.4289% | 2,687 |
| Net loans and leases to core deposits | 70.1275% | 2,581 |
| Total domestic deposits to total assets | 87.9088% | 1,895 |
| Equity capital to assets | 9.7533% | 3,149 |
| Core capital (leverage) ratio | 9.2798% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0785% | 2,332 |
| Memoranda: | ||
| Average total assets | $1,434,344,750 | 716 |
| Average earning assets | $1,326,935,250 | 713 |
| Average equity | $136,668,000 | 780 |
| Average total loans | $868,801,000 | 761 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 1,854 |
| Cost of funding earning assets | 0.3620% | 2,208 |
| Net interest margin | 3.5229% | 1,793 |
| Noninterest income to average assets | 1.6730% | 439 |
| Noninterest expense to average assets | 3.2579% | 654 |
| Loan and lease loss provision to assets | 0.0314% | 2,356 |
| Net operating income to assets | 1.2333% | 2,071 |
| Return on assets (ROA) | 1.2219% | 2,178 |
| Pretax return on assets | 1.6111% | 1,706 |
| Return on Equity (ROE) | 12.9255% | 1,744 |
| Retained earnings to average equity (ytd only) | 12.9255% | 733 |
| Net charge-offs to loans | 0.1168% | 664 |
| Credit loss provision to net charge-offs | 43.8596% | 1,637 |
| Earnings coverage of net charge-offs (x) | 23.1520% | 1,471 |
| Efficiency ratio | 64.7932% | 2,325 |
| Assets per employee ($millions) | 4.1629% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 1,396 |
| Loan loss allowance to noncurrent loans | 54.7658% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.7887% | 259 |
| Noncurrent loans to loans | 2.8459% | 262 |
| Net loans and leases to total assets | 58.5881% | 2,592 |
| Net loans and leases to deposits | 66.5733% | 2,773 |
| Net loans and leases to core deposits | 72.0369% | 2,603 |
| Total domestic deposits to total assets | 88.0054% | 1,817 |
| Equity capital to assets | 9.6120% | 3,239 |
| Core capital (leverage) ratio | 9.4498% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0141% | 2,365 |
| Memoranda: | ||
| Average total assets | $1,433,552,667 | 715 |
| Average earning assets | $1,319,211,000 | 712 |
| Average equity | $135,515,000 | 780 |
| Average total loans | $878,347,000 | 754 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 2,474 |
| Cost of funding earning assets | 0.3905% | 2,171 |
| Net interest margin | 3.2690% | 2,486 |
| Noninterest income to average assets | 1.7626% | 462 |
| Noninterest expense to average assets | 3.3175% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0876% | 2,518 |
| Return on assets (ROA) | 1.0878% | 2,590 |
| Pretax return on assets | 1.4174% | 2,235 |
| Return on Equity (ROE) | 11.6078% | 2,154 |
| Retained earnings to average equity (ytd only) | 11.6078% | 1,246 |
| Net charge-offs to loans | 0.1591% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 14.3305% | 1,366 |
| Efficiency ratio | 68.4975% | 1,873 |
| Assets per employee ($millions) | 4.2501% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,467 |
| Loan loss allowance to noncurrent loans | 50.7238% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9399% | 271 |
| Noncurrent loans to loans | 3.0340% | 255 |
| Net loans and leases to total assets | 59.9085% | 2,548 |
| Net loans and leases to deposits | 68.0037% | 2,705 |
| Net loans and leases to core deposits | 73.6641% | 2,545 |
| Total domestic deposits to total assets | 88.0958% | 1,796 |
| Equity capital to assets | 9.2224% | 3,476 |
| Core capital (leverage) ratio | 9.3476% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7342% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,419,739,500 | 714 |
| Average earning assets | $1,290,811,000 | 718 |
| Average equity | $133,048,000 | 787 |
| Average total loans | $882,705,000 | 750 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 1,607 |
| Cost of funding earning assets | 0.7153% | 1,643 |
| Net interest margin | 3.6786% | 1,878 |
| Noninterest income to average assets | 1.6172% | 474 |
| Noninterest expense to average assets | 3.6054% | 592 |
| Loan and lease loss provision to assets | 0.6468% | 280 |
| Net operating income to assets | 0.5734% | 3,837 |
| Return on assets (ROA) | 0.7455% | 3,402 |
| Pretax return on assets | 0.9619% | 3,172 |
| Return on Equity (ROE) | 7.4241% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.4241% | 1,225 |
| Net charge-offs to loans | 0.6861% | 220 |
| Credit loss provision to net charge-offs | 131.9083% | 2,541 |
| Earnings coverage of net charge-offs (x) | 2.8365% | 3,129 |
| Efficiency ratio | 70.4347% | 1,889 |
| Assets per employee ($millions) | 4.2003% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 1,406 |
| Loan loss allowance to noncurrent loans | 43.3660% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.3788% | 197 |
| Noncurrent loans to loans | 3.5914% | 187 |
| Net loans and leases to total assets | 62.5530% | 2,533 |
| Net loans and leases to deposits | 71.3767% | 2,749 |
| Net loans and leases to core deposits | 77.7599% | 2,575 |
| Total domestic deposits to total assets | 87.6379% | 1,639 |
| Equity capital to assets | 9.5246% | 3,585 |
| Core capital (leverage) ratio | 9.5022% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6005% | 2,401 |
| Memoranda: | ||
| Average total assets | $1,254,658,400 | 723 |
| Average earning assets | $1,152,467,200 | 725 |
| Average equity | $125,982,000 | 784 |
| Average total loans | $896,698,000 | 716 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,554 |
| Cost of funding earning assets | 0.8071% | 1,464 |
| Net interest margin | 3.6983% | 1,946 |
| Noninterest income to average assets | 1.5707% | 481 |
| Noninterest expense to average assets | 3.6077% | 607 |
| Loan and lease loss provision to assets | 0.8879% | 179 |
| Net operating income to assets | 0.3754% | 4,312 |
| Return on assets (ROA) | 0.5485% | 4,005 |
| Pretax return on assets | 0.7241% | 3,848 |
| Return on Equity (ROE) | 5.3827% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.3827% | 2,387 |
| Net charge-offs to loans | 0.8833% | 151 |
| Credit loss provision to net charge-offs | 136.2613% | 2,411 |
| Earnings coverage of net charge-offs (x) | 2.1382% | 3,012 |
| Efficiency ratio | 70.3671% | 1,833 |
| Assets per employee ($millions) | 3.7339% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,324 |
| Loan loss allowance to noncurrent loans | 41.9822% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.8035% | 166 |
| Noncurrent loans to loans | 3.6258% | 209 |
| Net loans and leases to total assets | 72.6064% | 1,571 |
| Net loans and leases to deposits | 84.5414% | 1,851 |
| Net loans and leases to core deposits | 92.9832% | 1,710 |
| Total domestic deposits to total assets | 85.8827% | 2,125 |
| Equity capital to assets | 10.3139% | 2,946 |
| Core capital (leverage) ratio | 10.0290% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4647% | 2,433 |
| Memoranda: | ||
| Average total assets | $1,218,648,250 | 733 |
| Average earning assets | $1,130,210,500 | 724 |
| Average equity | $124,172,250 | 786 |
| Average total loans | $898,680,000 | 708 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 1,906 |
| Cost of funding earning assets | 0.8951% | 1,400 |
| Net interest margin | 3.6078% | 2,460 |
| Noninterest income to average assets | 1.4630% | 493 |
| Noninterest expense to average assets | 3.6150% | 634 |
| Loan and lease loss provision to assets | 0.7045% | 392 |
| Net operating income to assets | 0.3669% | 4,297 |
| Return on assets (ROA) | 0.6166% | 3,756 |
| Pretax return on assets | 0.8111% | 3,554 |
| Return on Equity (ROE) | 6.0770% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.0770% | 2,045 |
| Net charge-offs to loans | 1.0756% | 129 |
| Credit loss provision to net charge-offs | 88.8124% | 2,470 |
| Earnings coverage of net charge-offs (x) | 1.5122% | 2,853 |
| Efficiency ratio | 73.2169% | 1,541 |
| Assets per employee ($millions) | 3.8048% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,461 |
| Loan loss allowance to noncurrent loans | 49.3196% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.9736% | 369 |
| Noncurrent loans to loans | 2.4546% | 483 |
| Net loans and leases to total assets | 74.1786% | 1,390 |
| Net loans and leases to deposits | 87.1695% | 1,645 |
| Net loans and leases to core deposits | 95.9845% | 1,583 |
| Total domestic deposits to total assets | 85.0970% | 2,355 |
| Equity capital to assets | 10.1264% | 3,089 |
| Core capital (leverage) ratio | 9.7279% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1878% | 2,530 |
| Memoranda: | ||
| Average total assets | $1,207,917,333 | 726 |
| Average earning assets | $1,122,136,667 | 721 |
| Average equity | $122,559,667 | 787 |
| Average total loans | $890,830,333 | 701 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,749 |
| Cost of funding earning assets | 1.0639% | 1,170 |
| Net interest margin | 3.6234% | 2,594 |
| Noninterest income to average assets | 1.3210% | 513 |
| Noninterest expense to average assets | 3.7067% | 694 |
| Loan and lease loss provision to assets | 1.1701% | 162 |
| Net operating income to assets | -0.1990% | 4,850 |
| Return on assets (ROA) | -0.0788% | 4,780 |
| Pretax return on assets | -0.0788% | 4,767 |
| Return on Equity (ROE) | -0.7758% | 4,791 |
| Retained earnings to average equity (ytd only) | -0.7758% | 4,113 |
| Net charge-offs to loans | 0.2240% | 631 |
| Credit loss provision to net charge-offs | 715.0206% | 711 |
| Earnings coverage of net charge-offs (x) | 5.9342% | 2,016 |
| Efficiency ratio | 77.2819% | 1,425 |
| Assets per employee ($millions) | 3.5585% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 868 |
| Loan loss allowance to noncurrent loans | 41.1041% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 3.2435% | 167 |
| Noncurrent loans to loans | 4.1528% | 178 |
| Net loans and leases to total assets | 73.1333% | 1,760 |
| Net loans and leases to deposits | 86.0821% | 1,990 |
| Net loans and leases to core deposits | 96.8618% | 1,725 |
| Total domestic deposits to total assets | 84.9575% | 2,430 |
| Equity capital to assets | 10.3327% | 3,486 |
| Core capital (leverage) ratio | 9.7467% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9445% | 2,730 |
| Memoranda: | ||
| Average total assets | $1,187,888,500 | 700 |
| Average earning assets | $1,100,521,500 | 697 |
| Average equity | $120,652,000 | 791 |
| Average total loans | $867,708,000 | 696 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 910 |
| Cost of funding earning assets | 1.2286% | 950 |
| Net interest margin | 4.0179% | 1,796 |
| Noninterest income to average assets | 1.5449% | 391 |
| Noninterest expense to average assets | 3.8112% | 663 |
| Loan and lease loss provision to assets | 0.0930% | 2,174 |
| Net operating income to assets | 1.0122% | 2,808 |
| Return on assets (ROA) | 1.1747% | 2,254 |
| Pretax return on assets | 1.5409% | 1,682 |
| Return on Equity (ROE) | 11.2506% | 1,793 |
| Retained earnings to average equity (ytd only) | 8.6443% | 797 |
| Net charge-offs to loans | 0.0498% | 2,401 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 38.4049% | 1,354 |
| Efficiency ratio | 70.8511% | 2,041 |
| Assets per employee ($millions) | 3.5652% | 4,416 |
| Cash dividends to net income (ytd only)* | 23.1660% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,610 |
| Loan loss allowance to noncurrent loans | 68.5459% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 607 |
| Noncurrent loans to loans | 2.0050% | 640 |
| Net loans and leases to total assets | 70.7420% | 2,286 |
| Net loans and leases to deposits | 81.2599% | 2,640 |
| Net loans and leases to core deposits | 92.9860% | 2,162 |
| Total domestic deposits to total assets | 87.0565% | 1,576 |
| Equity capital to assets | 9.9860% | 3,933 |
| Core capital (leverage) ratio | 9.9134% | 3,605 |
| Tier 1 risk-based capital ratio | 11.9453% | 4,391 |
| Total risk-based capital ratio | 13.1705% | 4,283 |
| Memoranda: | ||
| Average total assets | $1,102,442,600 | 723 |
| Average earning assets | $1,013,716,800 | 716 |
| Average equity | $115,105,200 | 790 |
| Average total loans | $823,563,400 | 694 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 791 |
| Cost of funding earning assets | 1.2530% | 904 |
| Net interest margin | 4.0889% | 1,647 |
| Noninterest income to average assets | 1.5348% | 389 |
| Noninterest expense to average assets | 3.8581% | 620 |
| Loan and lease loss provision to assets | 0.1269% | 1,524 |
| Net operating income to assets | 0.9753% | 3,071 |
| Return on assets (ROA) | 1.1654% | 2,406 |
| Pretax return on assets | 1.5438% | 1,830 |
| Return on Equity (ROE) | 11.0275% | 2,009 |
| Retained earnings to average equity (ytd only) | 8.2155% | 1,311 |
| Net charge-offs to loans | 0.0369% | 2,349 |
| Credit loss provision to net charge-offs | 455.5556% | 682 |
| Earnings coverage of net charge-offs (x) | 51.3338% | 1,170 |
| Efficiency ratio | 71.0389% | 1,966 |
| Assets per employee ($millions) | 3.4474% | 4,551 |
| Cash dividends to net income (ytd only)* | 25.4994% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,334 |
| Loan loss allowance to noncurrent loans | 68.1911% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.7820% | 561 |
| Noncurrent loans to loans | 2.1555% | 602 |
| Net loans and leases to total assets | 73.5309% | 1,914 |
| Net loans and leases to deposits | 85.7661% | 2,221 |
| Net loans and leases to core deposits | 100.3097% | 1,635 |
| Total domestic deposits to total assets | 85.7343% | 2,110 |
| Equity capital to assets | 10.7814% | 3,311 |
| Core capital (leverage) ratio | 10.2488% | 3,366 |
| Tier 1 risk-based capital ratio | 12.2504% | 4,283 |
| Total risk-based capital ratio | 13.5013% | 4,164 |
| Memoranda: | ||
| Average total assets | $1,076,795,250 | 741 |
| Average earning assets | $988,468,500 | 736 |
| Average equity | $113,797,750 | 798 |
| Average total loans | $813,368,500 | 706 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 778 |
| Cost of funding earning assets | 1.2049% | 977 |
| Net interest margin | 4.1173% | 1,563 |
| Noninterest income to average assets | 1.3899% | 452 |
| Noninterest expense to average assets | 3.8960% | 600 |
| Loan and lease loss provision to assets | 0.1497% | 1,223 |
| Net operating income to assets | 0.8370% | 3,518 |
| Return on assets (ROA) | 1.0792% | 2,677 |
| Pretax return on assets | 1.4320% | 2,097 |
| Return on Equity (ROE) | 10.2827% | 2,257 |
| Retained earnings to average equity (ytd only) | 7.5200% | 1,585 |
| Net charge-offs to loans | 0.1411% | 1,085 |
| Credit loss provision to net charge-offs | 139.8601% | 1,568 |
| Earnings coverage of net charge-offs (x) | 11.9161% | 2,180 |
| Efficiency ratio | 73.3603% | 1,726 |
| Assets per employee ($millions) | 3.4446% | 4,561 |
| Cash dividends to net income (ytd only)* | 26.8677% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,676 |
| Loan loss allowance to noncurrent loans | 57.5118% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.0046% | 462 |
| Noncurrent loans to loans | 2.4081% | 507 |
| Net loans and leases to total assets | 74.9407% | 1,734 |
| Net loans and leases to deposits | 89.6909% | 1,776 |
| Net loans and leases to core deposits | 104.6926% | 1,327 |
| Total domestic deposits to total assets | 83.5544% | 3,029 |
| Equity capital to assets | 10.5728% | 3,455 |
| Core capital (leverage) ratio | 10.0809% | 3,512 |
| Tier 1 risk-based capital ratio | 11.9623% | 4,442 |
| Total risk-based capital ratio | 13.2126% | 4,323 |
| Memoranda: | ||
| Average total assets | $1,069,149,670 | 742 |
| Average earning assets | $981,858,670 | 738 |
| Average equity | $112,208,000 | 806 |
| Average total loans | $810,922,670 | 707 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 864 |
| Cost of funding earning assets | 1.0909% | 1,215 |
| Net interest margin | 4.1347% | 1,465 |
| Noninterest income to average assets | 1.3001% | 502 |
| Noninterest expense to average assets | 3.8931% | 602 |
| Loan and lease loss provision to assets | 0.2647% | 533 |
| Net operating income to assets | 0.6992% | 3,936 |
| Return on assets (ROA) | 0.6992% | 3,978 |
| Pretax return on assets | 0.9276% | 3,669 |
| Return on Equity (ROE) | 6.6879% | 3,774 |
| Retained earnings to average equity (ytd only) | 3.9751% | 3,321 |
| Net charge-offs to loans | 0.1098% | 1,082 |
| Credit loss provision to net charge-offs | 318.1818% | 792 |
| Earnings coverage of net charge-offs (x) | 14.3318% | 1,800 |
| Efficiency ratio | 74.5167% | 1,677 |
| Assets per employee ($millions) | 3.3602% | 4,693 |
| Cash dividends to net income (ytd only)* | 40.5625% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,457 |
| Loan loss allowance to noncurrent loans | 45.2667% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.6981% | 262 |
| Noncurrent loans to loans | 3.2342% | 310 |
| Net loans and leases to total assets | 74.2068% | 1,765 |
| Net loans and leases to deposits | 85.7606% | 2,155 |
| Net loans and leases to core deposits | 99.4262% | 1,670 |
| Total domestic deposits to total assets | 86.5278% | 2,052 |
| Equity capital to assets | 10.5056% | 3,339 |
| Core capital (leverage) ratio | 9.9574% | 3,650 |
| Tier 1 risk-based capital ratio | 11.7546% | 4,589 |
| Total risk-based capital ratio | 13.0055% | 4,488 |
| Memoranda: | ||
| Average total assets | $1,057,755,500 | 749 |
| Average earning assets | $968,378,500 | 747 |
| Average equity | $110,588,000 | 809 |
| Average total loans | $801,485,000 | 718 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 1,091 |
| Cost of funding earning assets | 0.7342% | 1,876 |
| Net interest margin | 4.2473% | 1,285 |
| Noninterest income to average assets | 1.6635% | 347 |
| Noninterest expense to average assets | 3.7022% | 767 |
| Loan and lease loss provision to assets | 0.2120% | 874 |
| Net operating income to assets | 1.4058% | 1,411 |
| Return on assets (ROA) | 1.3969% | 1,434 |
| Pretax return on assets | 1.6519% | 1,308 |
| Return on Equity (ROE) | 14.1339% | 1,017 |
| Retained earnings to average equity (ytd only) | 4.9616% | 2,784 |
| Net charge-offs to loans | 0.0121% | 3,274 |
| Credit loss provision to net charge-offs | 2,363.1579% | 193 |
| Earnings coverage of net charge-offs (x) | 208.9263% | 440 |
| Efficiency ratio | 64.5369% | 3,110 |
| Assets per employee ($millions) | 3.4102% | 4,649 |
| Cash dividends to net income (ytd only)* | 64.8956% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,612 |
| Loan loss allowance to noncurrent loans | 56.4074% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.1673% | 413 |
| Noncurrent loans to loans | 2.4936% | 488 |
| Net loans and leases to total assets | 75.1693% | 1,742 |
| Net loans and leases to deposits | 88.6376% | 1,972 |
| Net loans and leases to core deposits | 103.3547% | 1,469 |
| Total domestic deposits to total assets | 84.8052% | 2,730 |
| Equity capital to assets | 10.4036% | 3,277 |
| Core capital (leverage) ratio | 9.9304% | 3,667 |
| Tier 1 risk-based capital ratio | 11.5989% | 4,668 |
| Total risk-based capital ratio | 12.8491% | 4,563 |
| Memoranda: | ||
| Average total assets | $1,058,970,600 | 727 |
| Average earning assets | $975,599,800 | 723 |
| Average equity | $104,663,600 | 817 |
| Average total loans | $786,197,600 | 712 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 1,117 |
| Cost of funding earning assets | 0.6560% | 2,118 |
| Net interest margin | 4.2641% | 1,197 |
| Noninterest income to average assets | 1.6544% | 363 |
| Noninterest expense to average assets | 3.6912% | 767 |
| Loan and lease loss provision to assets | 0.2821% | 535 |
| Net operating income to assets | 1.3740% | 1,581 |
| Return on assets (ROA) | 1.3771% | 1,570 |
| Pretax return on assets | 1.6184% | 1,520 |
| Return on Equity (ROE) | 14.1173% | 1,089 |
| Retained earnings to average equity (ytd only) | 3.0399% | 4,218 |
| Net charge-offs to loans | 0.0366% | 2,345 |
| Credit loss provision to net charge-offs | 1,044.1860% | 408 |
| Earnings coverage of net charge-offs (x) | 70.2138% | 954 |
| Efficiency ratio | 64.2052% | 3,149 |
| Assets per employee ($millions) | 3.4093% | 4,672 |
| Cash dividends to net income (ytd only)* | 78.4671% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,732 |
| Loan loss allowance to noncurrent loans | 56.1078% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.1959% | 448 |
| Noncurrent loans to loans | 2.4813% | 526 |
| Net loans and leases to total assets | 76.1492% | 1,640 |
| Net loans and leases to deposits | 88.4612% | 2,093 |
| Net loans and leases to core deposits | 104.6085% | 1,410 |
| Total domestic deposits to total assets | 86.0820% | 2,153 |
| Equity capital to assets | 10.1609% | 3,485 |
| Core capital (leverage) ratio | 9.5587% | 4,101 |
| Tier 1 risk-based capital ratio | 11.3815% | 4,853 |
| Total risk-based capital ratio | 12.6317% | 4,742 |
| Memoranda: | ||
| Average total assets | $1,061,128,500 | 721 |
| Average earning assets | $978,883,250 | 722 |
| Average equity | $103,511,250 | 825 |
| Average total loans | $782,548,000 | 712 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 1,228 |
| Cost of funding earning assets | 0.6085% | 2,169 |
| Net interest margin | 4.1984% | 1,293 |
| Noninterest income to average assets | 1.6406% | 373 |
| Noninterest expense to average assets | 3.7011% | 754 |
| Loan and lease loss provision to assets | 0.3254% | 419 |
| Net operating income to assets | 1.3612% | 1,565 |
| Return on assets (ROA) | 1.3750% | 1,526 |
| Pretax return on assets | 1.5097% | 1,781 |
| Return on Equity (ROE) | 14.2880% | 1,014 |
| Retained earnings to average equity (ytd only) | -0.4820% | 5,026 |
| Net charge-offs to loans | 0.0762% | 1,563 |
| Credit loss provision to net charge-offs | 587.8378% | 637 |
| Earnings coverage of net charge-offs (x) | 32.8750% | 1,425 |
| Efficiency ratio | 65.1660% | 3,128 |
| Assets per employee ($millions) | 3.2756% | 4,844 |
| Cash dividends to net income (ytd only)* | 103.3732% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 2,058 |
| Loan loss allowance to noncurrent loans | 58.4066% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 601 |
| Noncurrent loans to loans | 2.2676% | 603 |
| Net loans and leases to total assets | 73.8823% | 1,960 |
| Net loans and leases to deposits | 85.0891% | 2,423 |
| Net loans and leases to core deposits | 99.3145% | 1,789 |
| Total domestic deposits to total assets | 86.8293% | 1,917 |
| Equity capital to assets | 9.7294% | 3,890 |
| Core capital (leverage) ratio | 9.2837% | 4,379 |
| Tier 1 risk-based capital ratio | 11.1082% | 5,000 |
| Total risk-based capital ratio | 12.3124% | 4,914 |
| Memoranda: | ||
| Average total assets | $1,069,359,330 | 715 |
| Average earning assets | $988,383,330 | 717 |
| Average equity | $102,911,330 | 833 |
| Average total loans | $776,603,670 | 717 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 1,301 |
| Cost of funding earning assets | 0.5883% | 2,127 |
| Net interest margin | 4.1150% | 1,403 |
| Noninterest income to average assets | 1.3541% | 511 |
| Noninterest expense to average assets | 3.6856% | 779 |
| Loan and lease loss provision to assets | 0.3210% | 392 |
| Net operating income to assets | 1.3268% | 1,555 |
| Return on assets (ROA) | 1.3861% | 1,396 |
| Pretax return on assets | 1.2081% | 2,719 |
| Return on Equity (ROE) | 14.4826% | 906 |
| Retained earnings to average equity (ytd only) | -12.8137% | 5,424 |
| Net charge-offs to loans | 0.0736% | 1,386 |
| Credit loss provision to net charge-offs | 609.9291% | 512 |
| Earnings coverage of net charge-offs (x) | 27.9291% | 1,291 |
| Efficiency ratio | 69.4925% | 2,580 |
| Assets per employee ($millions) | 3.4204% | 4,768 |
| Cash dividends to net income (ytd only)* | 188.4760% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,299 |
| Loan loss allowance to noncurrent loans | 41.6127% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.4452% | 387 |
| Noncurrent loans to loans | 3.0963% | 379 |
| Net loans and leases to total assets | 71.2617% | 2,287 |
| Net loans and leases to deposits | 81.3095% | 2,656 |
| Net loans and leases to core deposits | 93.5216% | 2,174 |
| Total domestic deposits to total assets | 87.6425% | 1,829 |
| Equity capital to assets | 9.4652% | 4,124 |
| Core capital (leverage) ratio | 8.8881% | 4,813 |
| Tier 1 risk-based capital ratio | 11.2950% | 4,983 |
| Total risk-based capital ratio | 12.4753% | 4,915 |
| Memoranda: | ||
| Average total assets | $1,071,747,500 | 713 |
| Average earning assets | $990,046,000 | 714 |
| Average equity | $102,578,000 | 835 |
| Average total loans | $766,358,000 | 723 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 862 |
| Cost of funding earning assets | 0.5650% | 1,855 |
| Net interest margin | 4.2991% | 962 |
| Noninterest income to average assets | 1.5396% | 443 |
| Noninterest expense to average assets | 3.6542% | 845 |
| Loan and lease loss provision to assets | 0.3434% | 470 |
| Net operating income to assets | 1.4327% | 940 |
| Return on assets (ROA) | 1.4564% | 900 |
| Pretax return on assets | 1.5300% | 1,523 |
| Return on Equity (ROE) | 14.7007% | 656 |
| Retained earnings to average equity (ytd only) | 6.2322% | 1,421 |
| Net charge-offs to loans | 0.6169% | 368 |
| Credit loss provision to net charge-offs | 73.8720% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.9763% | 3,530 |
| Efficiency ratio | 64.4411% | 3,542 |
| Assets per employee ($millions) | 3.5164% | 4,674 |
| Cash dividends to net income (ytd only)* | 57.6060% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,875 |
| Loan loss allowance to noncurrent loans | 49.8796% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9217% | 609 |
| Noncurrent loans to loans | 2.3736% | 588 |
| Net loans and leases to total assets | 69.9992% | 2,521 |
| Net loans and leases to deposits | 80.1277% | 2,904 |
| Net loans and leases to core deposits | 92.0225% | 2,379 |
| Total domestic deposits to total assets | 87.3595% | 1,831 |
| Equity capital to assets | 9.6741% | 4,066 |
| Core capital (leverage) ratio | 9.1478% | 4,464 |
| Tier 1 risk-based capital ratio | 11.3626% | 4,942 |
| Total risk-based capital ratio | 12.4264% | 4,925 |
| Memoranda: | ||
| Average total assets | $1,025,058,400 | 722 |
| Average earning assets | $944,923,600 | 712 |
| Average equity | $101,553,000 | 810 |
| Average total loans | $772,457,400 | 681 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 814 |
| Cost of funding earning assets | 0.5557% | 1,847 |
| Net interest margin | 4.3097% | 900 |
| Noninterest income to average assets | 1.5035% | 476 |
| Noninterest expense to average assets | 3.6922% | 775 |
| Loan and lease loss provision to assets | 0.3262% | 467 |
| Net operating income to assets | 1.3938% | 1,101 |
| Return on assets (ROA) | 1.3909% | 1,125 |
| Pretax return on assets | 1.4555% | 1,927 |
| Return on Equity (ROE) | 13.9513% | 841 |
| Retained earnings to average equity (ytd only) | 5.8716% | 2,322 |
| Net charge-offs to loans | 0.6536% | 301 |
| Credit loss provision to net charge-offs | 65.1715% | 2,745 |
| Earnings coverage of net charge-offs (x) | 3.5660% | 3,326 |
| Efficiency ratio | 65.4057% | 3,312 |
| Assets per employee ($millions) | 3.3824% | 4,877 |
| Cash dividends to net income (ytd only)* | 57.9132% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,109 |
| Loan loss allowance to noncurrent loans | 46.3483% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.1451% | 583 |
| Noncurrent loans to loans | 2.5181% | 606 |
| Net loans and leases to total assets | 73.2215% | 2,057 |
| Net loans and leases to deposits | 83.7729% | 2,584 |
| Net loans and leases to core deposits | 97.6899% | 1,908 |
| Total domestic deposits to total assets | 87.4048% | 1,667 |
| Equity capital to assets | 9.9766% | 3,932 |
| Core capital (leverage) ratio | 9.1384% | 4,584 |
| Tier 1 risk-based capital ratio | 11.0368% | 5,229 |
| Total risk-based capital ratio | 12.0847% | 5,240 |
| Memoranda: | ||
| Average total assets | $1,009,677,250 | 730 |
| Average earning assets | $930,871,000 | 732 |
| Average equity | $100,662,000 | 817 |
| Average total loans | $773,143,750 | 680 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 743 |
| Cost of funding earning assets | 0.5423% | 1,826 |
| Net interest margin | 4.3315% | 798 |
| Noninterest income to average assets | 1.4609% | 507 |
| Noninterest expense to average assets | 3.7192% | 756 |
| Loan and lease loss provision to assets | 0.3948% | 341 |
| Net operating income to assets | 1.2830% | 1,344 |
| Return on assets (ROA) | 1.2755% | 1,390 |
| Pretax return on assets | 1.3335% | 2,257 |
| Return on Equity (ROE) | 12.7972% | 1,088 |
| Retained earnings to average equity (ytd only) | 5.5581% | 2,378 |
| Net charge-offs to loans | 0.8215% | 241 |
| Credit loss provision to net charge-offs | 62.0668% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.7290% | 3,135 |
| Efficiency ratio | 66.1290% | 3,327 |
| Assets per employee ($millions) | 3.2676% | 5,012 |
| Cash dividends to net income (ytd only)* | 56.5682% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 3,199 |
| Loan loss allowance to noncurrent loans | 48.9598% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 2.1019% | 587 |
| Noncurrent loans to loans | 2.3881% | 656 |
| Net loans and leases to total assets | 75.9055% | 1,556 |
| Net loans and leases to deposits | 86.8652% | 2,124 |
| Net loans and leases to core deposits | 101.5643% | 1,542 |
| Total domestic deposits to total assets | 87.3832% | 1,772 |
| Equity capital to assets | 10.0663% | 3,832 |
| Core capital (leverage) ratio | 9.8739% | 3,686 |
| Tier 1 risk-based capital ratio | 10.7076% | 5,374 |
| Total risk-based capital ratio | 11.7588% | 5,385 |
| Memoranda: | ||
| Average total assets | $997,850,000 | 743 |
| Average earning assets | $920,180,000 | 744 |
| Average equity | $99,459,000 | 832 |
| Average total loans | $772,752,330 | 683 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 694 |
| Cost of funding earning assets | 0.5356% | 1,819 |
| Net interest margin | 4.3071% | 771 |
| Noninterest income to average assets | 1.5473% | 465 |
| Noninterest expense to average assets | 3.9995% | 541 |
| Loan and lease loss provision to assets | 0.2026% | 812 |
| Net operating income to assets | 1.2541% | 1,367 |
| Return on assets (ROA) | 1.2587% | 1,386 |
| Pretax return on assets | 1.3163% | 2,179 |
| Return on Equity (ROE) | 12.6937% | 1,063 |
| Retained earnings to average equity (ytd only) | 2.0679% | 4,314 |
| Net charge-offs to loans | 1.0823% | 160 |
| Credit loss provision to net charge-offs | 24.0732% | 2,151 |
| Earnings coverage of net charge-offs (x) | 1.7987% | 2,682 |
| Efficiency ratio | 70.4888% | 2,818 |
| Assets per employee ($millions) | 3.2281% | 5,124 |
| Cash dividends to net income (ytd only)* | 83.7090% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,386 |
| Loan loss allowance to noncurrent loans | 77.4885% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5627% | 1,006 |
| Noncurrent loans to loans | 1.4904% | 1,345 |
| Net loans and leases to total assets | 75.8363% | 1,439 |
| Net loans and leases to deposits | 86.7203% | 1,948 |
| Net loans and leases to core deposits | 101.0857% | 1,438 |
| Total domestic deposits to total assets | 87.4494% | 2,015 |
| Equity capital to assets | 9.9574% | 3,809 |
| Core capital (leverage) ratio | 10.0189% | 3,468 |
| Tier 1 risk-based capital ratio | 10.7635% | 5,433 |
| Total risk-based capital ratio | 11.8052% | 5,437 |
| Memoranda: | ||
| Average total assets | $987,023,000 | 758 |
| Average earning assets | $908,917,000 | 757 |
| Average equity | $97,875,500 | 840 |
| Average total loans | $767,621,000 | 689 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 450 |
| Cost of funding earning assets | 0.6190% | 1,220 |
| Net interest margin | 4.5333% | 576 |
| Noninterest income to average assets | 1.5936% | 483 |
| Noninterest expense to average assets | 3.9933% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6973% | 548 |
| Return on assets (ROA) | 1.7889% | 475 |
| Pretax return on assets | 1.8690% | 665 |
| Return on Equity (ROE) | 17.5134% | 360 |
| Retained earnings to average equity (ytd only) | 7.0087% | 1,225 |
| Net charge-offs to loans | 0.0569% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 40.4241% | 1,167 |
| Efficiency ratio | 67.5875% | 3,326 |
| Assets per employee ($millions) | 3.2658% | 5,082 |
| Cash dividends to net income (ytd only)* | 59.9811% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,351 |
| Loan loss allowance to noncurrent loans | 92.0309% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5819% | 1,018 |
| Noncurrent loans to loans | 1.4526% | 1,396 |
| Net loans and leases to total assets | 77.7750% | 1,232 |
| Net loans and leases to deposits | 88.9754% | 1,806 |
| Net loans and leases to core deposits | 105.1323% | 1,193 |
| Total domestic deposits to total assets | 87.4119% | 1,925 |
| Equity capital to assets | 9.8748% | 3,852 |
| Core capital (leverage) ratio | 9.9537% | 3,545 |
| Tier 1 risk-based capital ratio | 10.5994% | 5,531 |
| Total risk-based capital ratio | 11.8161% | 5,473 |
| Memoranda: | ||
| Average total assets | $945,922,600 | 760 |
| Average earning assets | $870,793,000 | 750 |
| Average equity | $96,623,400 | 818 |
| Average total loans | $729,783,600 | 690 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 430 |
| Cost of funding earning assets | 0.6356% | 1,111 |
| Net interest margin | 4.5541% | 553 |
| Noninterest income to average assets | 1.5926% | 483 |
| Noninterest expense to average assets | 3.9751% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7312% | 561 |
| Return on assets (ROA) | 1.8797% | 440 |
| Pretax return on assets | 1.9664% | 625 |
| Return on Equity (ROE) | 18.2426% | 338 |
| Retained earnings to average equity (ytd only) | 8.0196% | 1,163 |
| Net charge-offs to loans | 0.0529% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 44.6562% | 1,157 |
| Efficiency ratio | 67.1578% | 3,391 |
| Assets per employee ($millions) | 3.2533% | 5,105 |
| Cash dividends to net income (ytd only)* | 56.0394% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,339 |
| Loan loss allowance to noncurrent loans | 86.1296% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 1,038 |
| Noncurrent loans to loans | 1.5911% | 1,358 |
| Net loans and leases to total assets | 76.8272% | 1,393 |
| Net loans and leases to deposits | 89.2513% | 1,848 |
| Net loans and leases to core deposits | 108.1113% | 1,044 |
| Total domestic deposits to total assets | 86.0797% | 2,312 |
| Equity capital to assets | 10.1781% | 3,946 |
| Core capital (leverage) ratio | 9.5013% | 4,180 |
| Tier 1 risk-based capital ratio | 10.5731% | 5,587 |
| Total risk-based capital ratio | 11.8187% | 5,506 |
| Memoranda: | ||
| Average total assets | $936,650,250 | 767 |
| Average earning assets | $862,620,250 | 759 |
| Average equity | $96,511,750 | 825 |
| Average total loans | $718,505,250 | 698 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 464 |
| Cost of funding earning assets | 0.6402% | 1,089 |
| Net interest margin | 4.4996% | 620 |
| Noninterest income to average assets | 1.4743% | 542 |
| Noninterest expense to average assets | 3.9406% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6080% | 711 |
| Return on assets (ROA) | 1.7426% | 562 |
| Pretax return on assets | 1.8249% | 836 |
| Return on Equity (ROE) | 16.8391% | 454 |
| Retained earnings to average equity (ytd only) | 6.5611% | 1,842 |
| Net charge-offs to loans | 0.0381% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 57.8657% | 906 |
| Efficiency ratio | 68.7857% | 3,197 |
| Assets per employee ($millions) | 3.3184% | 5,033 |
| Cash dividends to net income (ytd only)* | 61.0364% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,855 |
| Loan loss allowance to noncurrent loans | 90.8686% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 1,109 |
| Noncurrent loans to loans | 1.6523% | 1,290 |
| Net loans and leases to total assets | 75.2394% | 1,607 |
| Net loans and leases to deposits | 93.5484% | 1,332 |
| Net loans and leases to core deposits | 114.9347% | 682 |
| Total domestic deposits to total assets | 80.4282% | 4,437 |
| Equity capital to assets | 10.6889% | 3,415 |
| Core capital (leverage) ratio | 9.8860% | 3,702 |
| Tier 1 risk-based capital ratio | 11.5248% | 5,137 |
| Total risk-based capital ratio | 12.7761% | 5,020 |
| Memoranda: | ||
| Average total assets | $921,372,330 | 782 |
| Average earning assets | $849,669,670 | 773 |
| Average equity | $95,349,670 | 832 |
| Average total loans | $702,906,000 | 713 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 496 |
| Cost of funding earning assets | 0.6084% | 1,279 |
| Net interest margin | 4.4925% | 615 |
| Noninterest income to average assets | 1.4635% | 527 |
| Noninterest expense to average assets | 4.0542% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4779% | 894 |
| Return on assets (ROA) | 1.6859% | 631 |
| Pretax return on assets | 1.7647% | 911 |
| Return on Equity (ROE) | 16.5655% | 481 |
| Retained earnings to average equity (ytd only) | 3.3097% | 3,841 |
| Net charge-offs to loans | 0.0462% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 43.9136% | 958 |
| Efficiency ratio | 71.0790% | 2,945 |
| Assets per employee ($millions) | 3.4066% | 4,960 |
| Cash dividends to net income (ytd only)* | 80.0207% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,899 |
| Loan loss allowance to noncurrent loans | 70.9650% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 843 |
| Noncurrent loans to loans | 2.1422% | 974 |
| Net loans and leases to total assets | 74.8780% | 1,576 |
| Net loans and leases to deposits | 89.5742% | 1,629 |
| Net loans and leases to core deposits | 112.3956% | 734 |
| Total domestic deposits to total assets | 83.5932% | 3,677 |
| Equity capital to assets | 10.1949% | 3,846 |
| Core capital (leverage) ratio | 9.6254% | 4,004 |
| Tier 1 risk-based capital ratio | 11.3087% | 5,337 |
| Total risk-based capital ratio | 12.5602% | 5,243 |
| Memoranda: | ||
| Average total assets | $919,144,500 | 788 |
| Average earning assets | $846,750,500 | 782 |
| Average equity | $93,544,000 | 846 |
| Average total loans | $700,756,500 | 710 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 486 |
| Cost of funding earning assets | 0.5636% | 1,646 |
| Net interest margin | 4.5679% | 587 |
| Noninterest income to average assets | 1.5967% | 502 |
| Noninterest expense to average assets | 3.8416% | 818 |
| Loan and lease loss provision to assets | 0.0280% | 3,813 |
| Net operating income to assets | 1.8651% | 432 |
| Return on assets (ROA) | 2.0826% | 309 |
| Pretax return on assets | 2.1764% | 364 |
| Return on Equity (ROE) | 20.1392% | 249 |
| Retained earnings to average equity (ytd only) | 2.7993% | 4,076 |
| Net charge-offs to loans | -0.1036% | 5,786 |
| Credit loss provision to net charge-offs | -35.3607% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7691% | 4,121 |
| Assets per employee ($millions) | 3.3892% | 4,994 |
| Cash dividends to net income (ytd only)* | 86.1002% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 1,836 |
| Loan loss allowance to noncurrent loans | 146.2061% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 1,762 |
| Noncurrent loans to loans | 1.0512% | 2,231 |
| Net loans and leases to total assets | 75.2732% | 1,527 |
| Net loans and leases to deposits | 92.5264% | 1,346 |
| Net loans and leases to core deposits | 113.2732% | 718 |
| Total domestic deposits to total assets | 81.3532% | 4,386 |
| Equity capital to assets | 10.1595% | 3,795 |
| Core capital (leverage) ratio | 9.7257% | 3,875 |
| Tier 1 risk-based capital ratio | 11.3664% | 5,333 |
| Total risk-based capital ratio | 12.6183% | 5,226 |
| Memoranda: | ||
| Average total assets | $892,279,000 | 776 |
| Average earning assets | $824,861,000 | 758 |
| Average equity | $92,272,600 | 820 |
| Average total loans | $682,262,400 | 689 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 479 |
| Cost of funding earning assets | 0.5706% | 1,624 |
| Net interest margin | 4.5699% | 573 |
| Noninterest income to average assets | 1.5263% | 535 |
| Noninterest expense to average assets | 3.8084% | 843 |
| Loan and lease loss provision to assets | 0.0376% | 3,459 |
| Net operating income to assets | 1.8237% | 494 |
| Return on assets (ROA) | 2.1157% | 319 |
| Pretax return on assets | 2.2122% | 399 |
| Return on Equity (ROE) | 20.3661% | 255 |
| Retained earnings to average equity (ytd only) | 3.1386% | 4,224 |
| Net charge-offs to loans | -0.0452% | 5,512 |
| Credit loss provision to net charge-offs | -108.6957% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9313% | 4,077 |
| Assets per employee ($millions) | 3.2691% | 5,176 |
| Cash dividends to net income (ytd only)* | 84.5892% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 2,111 |
| Loan loss allowance to noncurrent loans | 125.8728% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2989% | 1,800 |
| Noncurrent loans to loans | 1.2006% | 2,128 |
| Net loans and leases to total assets | 75.0336% | 1,541 |
| Net loans and leases to deposits | 93.6949% | 1,238 |
| Net loans and leases to core deposits | 115.4828% | 615 |
| Total domestic deposits to total assets | 80.0830% | 4,723 |
| Equity capital to assets | 10.3723% | 3,730 |
| Core capital (leverage) ratio | 9.7757% | 3,931 |
| Tier 1 risk-based capital ratio | 11.6301% | 5,304 |
| Total risk-based capital ratio | 12.8817% | 5,232 |
| Memoranda: | ||
| Average total assets | $886,575,750 | 785 |
| Average earning assets | $820,209,250 | 768 |
| Average equity | $92,098,500 | 831 |
| Average total loans | $677,935,250 | 691 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 477 |
| Cost of funding earning assets | 0.5786% | 1,583 |
| Net interest margin | 4.5467% | 578 |
| Noninterest income to average assets | 1.4327% | 619 |
| Noninterest expense to average assets | 3.7906% | 878 |
| Loan and lease loss provision to assets | 0.0339% | 3,433 |
| Net operating income to assets | 1.7372% | 585 |
| Return on assets (ROA) | 2.2089% | 267 |
| Pretax return on assets | 2.3081% | 336 |
| Return on Equity (ROE) | 21.2525% | 224 |
| Retained earnings to average equity (ytd only) | 1.8925% | 4,751 |
| Net charge-offs to loans | -0.0387% | 5,437 |
| Credit loss provision to net charge-offs | -114.5038% | 4,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9386% | 4,022 |
| Assets per employee ($millions) | 3.3789% | 5,026 |
| Cash dividends to net income (ytd only)* | 91.0952% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 2,408 |
| Loan loss allowance to noncurrent loans | 137.2565% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 2,111 |
| Noncurrent loans to loans | 1.0716% | 2,502 |
| Net loans and leases to total assets | 75.6679% | 1,413 |
| Net loans and leases to deposits | 92.1961% | 1,350 |
| Net loans and leases to core deposits | 114.6809% | 641 |
| Total domestic deposits to total assets | 82.0728% | 4,277 |
| Equity capital to assets | 10.0757% | 3,950 |
| Core capital (leverage) ratio | 9.6233% | 4,109 |
| Tier 1 risk-based capital ratio | 11.5246% | 5,444 |
| Total risk-based capital ratio | 12.7761% | 5,367 |
| Memoranda: | ||
| Average total assets | $884,615,330 | 791 |
| Average earning assets | $818,840,000 | 777 |
| Average equity | $91,942,000 | 834 |
| Average total loans | $677,274,330 | 686 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 507 |
| Cost of funding earning assets | 0.6040% | 1,405 |
| Net interest margin | 4.4693% | 638 |
| Noninterest income to average assets | 1.4058% | 593 |
| Noninterest expense to average assets | 3.8092% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6500% | 659 |
| Return on assets (ROA) | 2.5964% | 138 |
| Pretax return on assets | 2.7154% | 184 |
| Return on Equity (ROE) | 24.6003% | 115 |
| Retained earnings to average equity (ytd only) | 18.1469% | 139 |
| Net charge-offs to loans | -0.3843% | 6,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4865% | 3,907 |
| Assets per employee ($millions) | 3.6361% | 4,647 |
| Cash dividends to net income (ytd only)* | 26.2329% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 2,250 |
| Loan loss allowance to noncurrent loans | 144.0872% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.2211% | 2,191 |
| Noncurrent loans to loans | 1.0729% | 2,615 |
| Net loans and leases to total assets | 76.2074% | 1,181 |
| Net loans and leases to deposits | 92.0012% | 1,189 |
| Net loans and leases to core deposits | 111.4275% | 686 |
| Total domestic deposits to total assets | 82.8331% | 4,224 |
| Equity capital to assets | 10.8357% | 3,159 |
| Core capital (leverage) ratio | 10.2403% | 3,293 |
| Tier 1 risk-based capital ratio | 11.8353% | 5,344 |
| Total risk-based capital ratio | 13.0871% | 5,237 |
| Memoranda: | ||
| Average total assets | $880,913,000 | 796 |
| Average earning assets | $814,619,000 | 783 |
| Average equity | $92,974,500 | 830 |
| Average total loans | $673,387,000 | 688 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 422 |
| Cost of funding earning assets | 0.5935% | 1,818 |
| Net interest margin | 4.7441% | 484 |
| Noninterest income to average assets | 1.5347% | 525 |
| Noninterest expense to average assets | 3.5976% | 1,312 |
| Loan and lease loss provision to assets | 0.1557% | 1,685 |
| Net operating income to assets | 2.0827% | 284 |
| Return on assets (ROA) | 2.0951% | 286 |
| Pretax return on assets | 2.1877% | 324 |
| Return on Equity (ROE) | 21.8036% | 181 |
| Retained earnings to average equity (ytd only) | 12.5587% | 257 |
| Net charge-offs to loans | 0.2207% | 1,902 |
| Credit loss provision to net charge-offs | 93.6200% | 2,563 |
| Earnings coverage of net charge-offs (x) | 14.0090% | 2,212 |
| Efficiency ratio | 60.1226% | 5,207 |
| Assets per employee ($millions) | 3.3553% | 5,150 |
| Cash dividends to net income (ytd only)* | 42.4009% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 2,649 |
| Loan loss allowance to noncurrent loans | 135.6273% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 2,380 |
| Noncurrent loans to loans | 1.0758% | 2,667 |
| Net loans and leases to total assets | 74.3961% | 1,516 |
| Net loans and leases to deposits | 91.7220% | 1,318 |
| Net loans and leases to core deposits | 116.4704% | 514 |
| Total domestic deposits to total assets | 81.1104% | 4,714 |
| Equity capital to assets | 10.2782% | 3,757 |
| Core capital (leverage) ratio | 9.4145% | 4,364 |
| Tier 1 risk-based capital ratio | 11.3306% | 5,750 |
| Total risk-based capital ratio | 12.5815% | 5,675 |
| Memoranda: | ||
| Average total assets | $866,792,000 | 775 |
| Average earning assets | $802,717,400 | 758 |
| Average equity | $83,289,000 | 884 |
| Average total loans | $653,446,800 | 665 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 435 |
| Cost of funding earning assets | 0.6006% | 1,827 |
| Net interest margin | 4.7165% | 490 |
| Noninterest income to average assets | 1.2218% | 818 |
| Noninterest expense to average assets | 3.4196% | 1,616 |
| Loan and lease loss provision to assets | 0.1866% | 1,306 |
| Net operating income to assets | 1.8987% | 420 |
| Return on assets (ROA) | 1.8722% | 459 |
| Pretax return on assets | 1.9606% | 625 |
| Return on Equity (ROE) | 19.8411% | 295 |
| Retained earnings to average equity (ytd only) | 10.4890% | 602 |
| Net charge-offs to loans | 0.1880% | 1,963 |
| Credit loss provision to net charge-offs | 131.6940% | 1,758 |
| Earnings coverage of net charge-offs (x) | 15.3541% | 2,060 |
| Efficiency ratio | 60.9237% | 5,053 |
| Assets per employee ($millions) | 3.5596% | 4,752 |
| Cash dividends to net income (ytd only)* | 47.1347% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 2,661 |
| Loan loss allowance to noncurrent loans | 113.0527% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 2,174 |
| Noncurrent loans to loans | 1.3352% | 2,411 |
| Net loans and leases to total assets | 75.5235% | 1,278 |
| Net loans and leases to deposits | 92.5158% | 1,184 |
| Net loans and leases to core deposits | 116.3581% | 493 |
| Total domestic deposits to total assets | 81.6330% | 4,616 |
| Equity capital to assets | 9.8738% | 4,327 |
| Core capital (leverage) ratio | 9.5897% | 4,260 |
| Tier 1 risk-based capital ratio | 11.6159% | 5,730 |
| Total risk-based capital ratio | 12.8680% | 5,645 |
| Memoranda: | ||
| Average total assets | $861,199,250 | 781 |
| Average earning assets | $798,459,250 | 765 |
| Average equity | $81,263,750 | 903 |
| Average total loans | $648,984,000 | 665 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 443 |
| Cost of funding earning assets | 0.6071% | 1,846 |
| Net interest margin | 4.6757% | 514 |
| Noninterest income to average assets | 1.0377% | 1,104 |
| Noninterest expense to average assets | 3.4858% | 1,505 |
| Loan and lease loss provision to assets | 0.1801% | 1,365 |
| Net operating income to assets | 1.6226% | 670 |
| Return on assets (ROA) | 1.5344% | 859 |
| Pretax return on assets | 1.6069% | 1,240 |
| Return on Equity (ROE) | 16.5235% | 603 |
| Retained earnings to average equity (ytd only) | 6.7016% | 1,925 |
| Net charge-offs to loans | 0.2360% | 1,628 |
| Credit loss provision to net charge-offs | 101.8519% | 1,951 |
| Earnings coverage of net charge-offs (x) | 10.6323% | 2,232 |
| Efficiency ratio | 64.7605% | 4,574 |
| Assets per employee ($millions) | 3.3676% | 5,123 |
| Cash dividends to net income (ytd only)* | 59.4422% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 2,877 |
| Loan loss allowance to noncurrent loans | 95.2752% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 1,836 |
| Noncurrent loans to loans | 1.5794% | 2,198 |
| Net loans and leases to total assets | 74.5877% | 1,363 |
| Net loans and leases to deposits | 90.9670% | 1,274 |
| Net loans and leases to core deposits | 114.7743% | 508 |
| Total domestic deposits to total assets | 81.9942% | 4,652 |
| Equity capital to assets | 9.5461% | 4,690 |
| Core capital (leverage) ratio | 9.3608% | 4,517 |
| Tier 1 risk-based capital ratio | 11.3223% | 5,893 |
| Total risk-based capital ratio | 12.5743% | 5,840 |
| Memoranda: | ||
| Average total assets | $855,194,000 | 788 |
| Average earning assets | $791,585,670 | 777 |
| Average equity | $79,414,330 | 918 |
| Average total loans | $640,581,670 | 668 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 419 |
| Cost of funding earning assets | 0.6167% | 1,843 |
| Net interest margin | 4.6713% | 492 |
| Noninterest income to average assets | 1.0175% | 1,094 |
| Noninterest expense to average assets | 3.5126% | 1,461 |
| Loan and lease loss provision to assets | 0.1273% | 1,909 |
| Net operating income to assets | 1.6179% | 654 |
| Return on assets (ROA) | 1.4432% | 943 |
| Pretax return on assets | 1.5154% | 1,385 |
| Return on Equity (ROE) | 15.7680% | 667 |
| Retained earnings to average equity (ytd only) | 5.4655% | 2,806 |
| Net charge-offs to loans | -0.1494% | 6,288 |
| Credit loss provision to net charge-offs | -114.4068% | 4,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5952% | 4,598 |
| Assets per employee ($millions) | 3.4112% | 5,129 |
| Cash dividends to net income (ytd only)* | 65.3381% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 2,529 |
| Loan loss allowance to noncurrent loans | 186.9917% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 2,190 |
| Noncurrent loans to loans | 0.8797% | 3,684 |
| Net loans and leases to total assets | 73.4530% | 1,359 |
| Net loans and leases to deposits | 84.5352% | 1,769 |
| Net loans and leases to core deposits | 106.7500% | 729 |
| Total domestic deposits to total assets | 86.8904% | 2,881 |
| Equity capital to assets | 9.4177% | 4,602 |
| Core capital (leverage) ratio | 9.3040% | 4,569 |
| Tier 1 risk-based capital ratio | 11.3653% | 5,983 |
| Total risk-based capital ratio | 12.6185% | 5,934 |
| Memoranda: | ||
| Average total assets | $848,366,000 | 802 |
| Average earning assets | $784,876,000 | 790 |
| Average equity | $77,651,000 | 944 |
| Average total loans | $631,894,500 | 678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 471 |
| Cost of funding earning assets | 0.7148% | 1,712 |
| Net interest margin | 4.6476% | 552 |
| Noninterest income to average assets | 1.2974% | 825 |
| Noninterest expense to average assets | 3.5085% | 1,629 |
| Loan and lease loss provision to assets | 0.2765% | 1,265 |
| Net operating income to assets | 1.7012% | 582 |
| Return on assets (ROA) | 1.5953% | 715 |
| Pretax return on assets | 1.6740% | 1,006 |
| Return on Equity (ROE) | 17.3183% | 474 |
| Retained earnings to average equity (ytd only) | 5.3376% | 2,389 |
| Net charge-offs to loans | 0.1127% | 3,699 |
| Credit loss provision to net charge-offs | 335.5556% | 680 |
| Earnings coverage of net charge-offs (x) | 25.0207% | 1,345 |
| Efficiency ratio | 62.8384% | 5,082 |
| Assets per employee ($millions) | 3.4167% | 5,047 |
| Cash dividends to net income (ytd only)* | 69.1795% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 2,905 |
| Loan loss allowance to noncurrent loans | 171.2924% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.6236% | 2,284 |
| Noncurrent loans to loans | 0.9133% | 3,703 |
| Net loans and leases to total assets | 73.1249% | 1,500 |
| Net loans and leases to deposits | 87.4524% | 1,525 |
| Net loans and leases to core deposits | 111.6515% | 550 |
| Total domestic deposits to total assets | 83.6168% | 4,315 |
| Equity capital to assets | 8.8898% | 5,157 |
| Core capital (leverage) ratio | 9.2297% | 4,674 |
| Tier 1 risk-based capital ratio | 11.2489% | 6,051 |
| Total risk-based capital ratio | 12.5013% | 5,992 |
| Memoranda: | ||
| Average total assets | $819,033,400 | 811 |
| Average earning assets | $753,061,400 | 803 |
| Average equity | $75,446,200 | 948 |
| Average total loans | $599,066,600 | 699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 486 |
| Cost of funding earning assets | 0.7406% | 1,663 |
| Net interest margin | 4.6144% | 604 |
| Noninterest income to average assets | 1.2518% | 936 |
| Noninterest expense to average assets | 3.3996% | 1,829 |
| Loan and lease loss provision to assets | 0.2910% | 1,180 |
| Net operating income to assets | 1.7249% | 605 |
| Return on assets (ROA) | 1.7030% | 653 |
| Pretax return on assets | 1.7778% | 948 |
| Return on Equity (ROE) | 18.3196% | 416 |
| Retained earnings to average equity (ytd only) | 5.9061% | 2,475 |
| Net charge-offs to loans | 0.1365% | 3,173 |
| Credit loss provision to net charge-offs | 292.5620% | 873 |
| Earnings coverage of net charge-offs (x) | 21.0313% | 1,564 |
| Efficiency ratio | 61.7632% | 5,169 |
| Assets per employee ($millions) | 3.4008% | 5,062 |
| Cash dividends to net income (ytd only)* | 67.7606% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,226 |
| Loan loss allowance to noncurrent loans | 154.0541% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 2,194 |
| Noncurrent loans to loans | 1.0068% | 3,793 |
| Net loans and leases to total assets | 72.3775% | 1,547 |
| Net loans and leases to deposits | 84.5194% | 1,813 |
| Net loans and leases to core deposits | 107.9348% | 672 |
| Total domestic deposits to total assets | 85.6342% | 3,435 |
| Equity capital to assets | 9.0710% | 5,100 |
| Core capital (leverage) ratio | 9.3389% | 4,632 |
| Tier 1 risk-based capital ratio | 11.4686% | 6,074 |
| Total risk-based capital ratio | 12.7207% | 6,034 |
| Memoranda: | ||
| Average total assets | $811,104,250 | 825 |
| Average earning assets | $745,189,000 | 817 |
| Average equity | $75,400,250 | 959 |
| Average total loans | $590,834,000 | 707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3766% | 463 |
| Cost of funding earning assets | 0.7795% | 1,531 |
| Net interest margin | 4.5971% | 602 |
| Noninterest income to average assets | 1.1684% | 1,114 |
| Noninterest expense to average assets | 3.4155% | 1,789 |
| Loan and lease loss provision to assets | 0.2261% | 1,672 |
| Net operating income to assets | 1.6775% | 649 |
| Return on assets (ROA) | 1.7486% | 619 |
| Pretax return on assets | 1.8241% | 885 |
| Return on Equity (ROE) | 18.6551% | 413 |
| Retained earnings to average equity (ytd only) | 8.3162% | 1,360 |
| Net charge-offs to loans | -0.0147% | 5,870 |
| Credit loss provision to net charge-offs | -2,116.2791% | 6,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1994% | 4,982 |
| Assets per employee ($millions) | 3.4514% | 4,956 |
| Cash dividends to net income (ytd only)* | 55.4213% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,413 |
| Loan loss allowance to noncurrent loans | 228.5079% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6903% | 2,574 |
| Noncurrent loans to loans | 0.6727% | 4,591 |
| Net loans and leases to total assets | 72.4351% | 1,499 |
| Net loans and leases to deposits | 87.6238% | 1,390 |
| Net loans and leases to core deposits | 106.6079% | 712 |
| Total domestic deposits to total assets | 82.6660% | 4,826 |
| Equity capital to assets | 9.1196% | 5,076 |
| Core capital (leverage) ratio | 9.4951% | 4,254 |
| Tier 1 risk-based capital ratio | 11.7098% | 5,989 |
| Total risk-based capital ratio | 12.9618% | 5,943 |
| Memoranda: | ||
| Average total assets | $804,871,670 | 832 |
| Average earning assets | $739,421,670 | 820 |
| Average equity | $75,443,330 | 961 |
| Average total loans | $584,428,000 | 712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 524 |
| Cost of funding earning assets | 0.7680% | 1,724 |
| Net interest margin | 4.5206% | 657 |
| Noninterest income to average assets | 1.1068% | 1,209 |
| Noninterest expense to average assets | 3.5715% | 1,470 |
| Loan and lease loss provision to assets | 0.2555% | 1,395 |
| Net operating income to assets | 1.3620% | 1,121 |
| Return on assets (ROA) | 1.2576% | 1,483 |
| Pretax return on assets | 1.3118% | 2,190 |
| Return on Equity (ROE) | 13.2337% | 1,110 |
| Retained earnings to average equity (ytd only) | 3.2162% | 4,322 |
| Net charge-offs to loans | -0.0375% | 5,994 |
| Credit loss provision to net charge-offs | -944.4444% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9175% | 4,324 |
| Assets per employee ($millions) | 3.4217% | 5,156 |
| Cash dividends to net income (ytd only)* | 75.6972% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,567 |
| Loan loss allowance to noncurrent loans | 221.4143% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 1.8551% | 2,538 |
| Noncurrent loans to loans | 0.7052% | 4,720 |
| Net loans and leases to total assets | 71.2991% | 1,475 |
| Net loans and leases to deposits | 83.0190% | 1,707 |
| Net loans and leases to core deposits | 98.2305% | 1,063 |
| Total domestic deposits to total assets | 85.8829% | 3,593 |
| Equity capital to assets | 9.7228% | 4,528 |
| Core capital (leverage) ratio | 9.3435% | 4,338 |
| Tier 1 risk-based capital ratio | 12.1060% | 5,850 |
| Total risk-based capital ratio | 13.3586% | 5,796 |
| Memoranda: | ||
| Average total assets | $798,322,500 | 840 |
| Average earning assets | $731,224,000 | 841 |
| Average equity | $75,867,000 | 966 |
| Average total loans | $575,768,500 | 726 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 262 |
| Cost of funding earning assets | 1.0441% | 1,146 |
| Net interest margin | 4.9718% | 401 |
| Noninterest income to average assets | 1.0889% | 1,306 |
| Noninterest expense to average assets | 3.5319% | 1,753 |
| Loan and lease loss provision to assets | 0.3192% | 2,139 |
| Net operating income to assets | 1.7007% | 616 |
| Return on assets (ROA) | 1.5615% | 890 |
| Pretax return on assets | 1.6364% | 1,293 |
| Return on Equity (ROE) | 16.9614% | 543 |
| Retained earnings to average equity (ytd only) | 6.6268% | 1,754 |
| Net charge-offs to loans | 0.5281% | 2,144 |
| Credit loss provision to net charge-offs | 83.1984% | 3,726 |
| Earnings coverage of net charge-offs (x) | 5.4791% | 3,028 |
| Efficiency ratio | 62.6031% | 5,148 |
| Assets per employee ($millions) | 3.6461% | 4,681 |
| Cash dividends to net income (ytd only)* | 60.9301% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,066 |
| Loan loss allowance to noncurrent loans | 192.5952% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.8181% | 2,688 |
| Noncurrent loans to loans | 0.7377% | 4,705 |
| Net loans and leases to total assets | 70.8053% | 1,681 |
| Net loans and leases to deposits | 85.7849% | 1,542 |
| Net loans and leases to core deposits | 101.2882% | 938 |
| Total domestic deposits to total assets | 82.5383% | 4,916 |
| Equity capital to assets | 9.2917% | 5,167 |
| Core capital (leverage) ratio | 9.2686% | 4,476 |
| Tier 1 risk-based capital ratio | 11.6966% | 5,956 |
| Total risk-based capital ratio | 12.9476% | 5,925 |
| Memoranda: | ||
| Average total assets | $772,532,200 | 858 |
| Average earning assets | $706,245,800 | 857 |
| Average equity | $71,120,200 | 992 |
| Average total loans | $561,239,600 | 738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1305% | 242 |
| Cost of funding earning assets | 1.0843% | 1,129 |
| Net interest margin | 5.0462% | 373 |
| Noninterest income to average assets | 0.9816% | 1,555 |
| Noninterest expense to average assets | 3.5270% | 1,697 |
| Loan and lease loss provision to assets | 0.3499% | 1,862 |
| Net operating income to assets | 1.6482% | 764 |
| Return on assets (ROA) | 1.5657% | 1,016 |
| Pretax return on assets | 1.6353% | 1,466 |
| Return on Equity (ROE) | 17.0498% | 605 |
| Retained earnings to average equity (ytd only) | 5.9093% | 2,757 |
| Net charge-offs to loans | 0.5482% | 1,962 |
| Credit loss provision to net charge-offs | 87.6095% | 3,376 |
| Earnings coverage of net charge-offs (x) | 5.1852% | 3,084 |
| Efficiency ratio | 62.9159% | 4,990 |
| Assets per employee ($millions) | 3.5404% | 4,875 |
| Cash dividends to net income (ytd only)* | 65.3413% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 4,039 |
| Loan loss allowance to noncurrent loans | 167.0330% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9955% | 2,644 |
| Noncurrent loans to loans | 0.8846% | 4,661 |
| Net loans and leases to total assets | 72.2113% | 1,518 |
| Net loans and leases to deposits | 87.6823% | 1,393 |
| Net loans and leases to core deposits | 106.3190% | 720 |
| Total domestic deposits to total assets | 82.3556% | 4,895 |
| Equity capital to assets | 9.3617% | 5,393 |
| Core capital (leverage) ratio | 9.4174% | 4,399 |
| Tier 1 risk-based capital ratio | 11.6388% | 6,152 |
| Total risk-based capital ratio | 12.8901% | 6,120 |
| Memoranda: | ||
| Average total assets | $762,393,500 | 881 |
| Average earning assets | $697,483,000 | 870 |
| Average equity | $70,012,750 | 1,010 |
| Average total loans | $555,548,000 | 754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2101% | 214 |
| Cost of funding earning assets | 1.1176% | 1,139 |
| Net interest margin | 5.0925% | 341 |
| Noninterest income to average assets | 0.8683% | 1,894 |
| Noninterest expense to average assets | 3.6751% | 1,424 |
| Loan and lease loss provision to assets | 0.2916% | 2,248 |
| Net operating income to assets | 1.4962% | 996 |
| Return on assets (ROA) | 1.3357% | 1,501 |
| Pretax return on assets | 1.3977% | 2,205 |
| Return on Equity (ROE) | 14.6431% | 993 |
| Retained earnings to average equity (ytd only) | 3.0193% | 4,632 |
| Net charge-offs to loans | 0.0266% | 5,007 |
| Credit loss provision to net charge-offs | 1,506.8493% | 218 |
| Earnings coverage of net charge-offs (x) | 95.9452% | 443 |
| Efficiency ratio | 66.3472% | 4,474 |
| Assets per employee ($millions) | 3.3054% | 5,436 |
| Cash dividends to net income (ytd only)* | 79.3808% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 3,055 |
| Loan loss allowance to noncurrent loans | 201.6010% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 2.1100% | 2,651 |
| Noncurrent loans to loans | 0.8648% | 4,772 |
| Net loans and leases to total assets | 72.1848% | 1,526 |
| Net loans and leases to deposits | 86.6948% | 1,518 |
| Net loans and leases to core deposits | 104.3634% | 836 |
| Total domestic deposits to total assets | 83.2630% | 4,644 |
| Equity capital to assets | 9.0659% | 5,628 |
| Core capital (leverage) ratio | 9.4344% | 4,240 |
| Tier 1 risk-based capital ratio | 11.7789% | 6,069 |
| Total risk-based capital ratio | 13.0338% | 6,048 |
| Memoranda: | ||
| Average total assets | $754,538,000 | 887 |
| Average earning assets | $690,941,670 | 875 |
| Average equity | $68,824,000 | 1,022 |
| Average total loans | $548,709,330 | 763 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3232% | 202 |
| Cost of funding earning assets | 1.1482% | 1,182 |
| Net interest margin | 5.1750% | 307 |
| Noninterest income to average assets | 0.9621% | 1,531 |
| Noninterest expense to average assets | 3.7660% | 1,260 |
| Loan and lease loss provision to assets | 0.3474% | 1,799 |
| Net operating income to assets | 1.5116% | 999 |
| Return on assets (ROA) | 1.3507% | 1,474 |
| Pretax return on assets | 1.4153% | 2,141 |
| Return on Equity (ROE) | 14.7617% | 1,021 |
| Retained earnings to average equity (ytd only) | 1.6181% | 5,429 |
| Net charge-offs to loans | 0.1034% | 3,511 |
| Credit loss provision to net charge-offs | 464.2857% | 695 |
| Earnings coverage of net charge-offs (x) | 25.8214% | 1,016 |
| Efficiency ratio | 66.0069% | 4,553 |
| Assets per employee ($millions) | 3.3939% | 5,357 |
| Cash dividends to net income (ytd only)* | 89.0384% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 3,126 |
| Loan loss allowance to noncurrent loans | 163.5038% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 2.3250% | 2,558 |
| Noncurrent loans to loans | 1.0765% | 4,546 |
| Net loans and leases to total assets | 68.6197% | 2,006 |
| Net loans and leases to deposits | 81.8076% | 1,962 |
| Net loans and leases to core deposits | 95.4061% | 1,341 |
| Total domestic deposits to total assets | 83.8793% | 4,554 |
| Equity capital to assets | 9.0755% | 5,391 |
| Core capital (leverage) ratio | 9.2847% | 4,388 |
| Tier 1 risk-based capital ratio | 12.1801% | 5,840 |
| Total risk-based capital ratio | 13.4348% | 5,815 |
| Memoranda: | ||
| Average total assets | $748,377,000 | 897 |
| Average earning assets | $684,904,500 | 887 |
| Average equity | $68,474,500 | 1,021 |
| Average total loans | $541,375,000 | 770 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4239% | 203 |
| Cost of funding earning assets | 1.4550% | 852 |
| Net interest margin | 4.9689% | 437 |
| Noninterest income to average assets | 0.9421% | 1,530 |
| Noninterest expense to average assets | 3.5716% | 1,798 |
| Loan and lease loss provision to assets | 0.4158% | 2,511 |
| Net operating income to assets | 1.4312% | 966 |
| Return on assets (ROA) | 1.2867% | 1,385 |
| Pretax return on assets | 1.3519% | 1,946 |
| Return on Equity (ROE) | 14.5766% | 818 |
| Retained earnings to average equity (ytd only) | 3.4362% | 3,779 |
| Net charge-offs to loans | 0.2904% | 3,958 |
| Credit loss provision to net charge-offs | 192.0200% | 1,329 |
| Earnings coverage of net charge-offs (x) | 8.8666% | 2,078 |
| Efficiency ratio | 64.9468% | 4,959 |
| Assets per employee ($millions) | 3.3480% | 5,386 |
| Cash dividends to net income (ytd only)* | 76.4268% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,636 |
| Loan loss allowance to noncurrent loans | 245.1226% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 2.1324% | 2,819 |
| Noncurrent loans to loans | 0.6475% | 5,412 |
| Net loans and leases to total assets | 73.6990% | 1,326 |
| Net loans and leases to deposits | 88.6156% | 1,303 |
| Net loans and leases to core deposits | 104.8922% | 845 |
| Total domestic deposits to total assets | 83.1671% | 4,682 |
| Equity capital to assets | 9.2256% | 5,247 |
| Core capital (leverage) ratio | 9.4071% | 4,172 |
| Tier 1 risk-based capital ratio | 11.7042% | 6,022 |
| Total risk-based capital ratio | 12.9571% | 6,004 |
| Memoranda: | ||
| Average total assets | $740,821,800 | 885 |
| Average earning assets | $678,264,200 | 879 |
| Average equity | $65,392,400 | 1,032 |
| Average total loans | $552,335,400 | 762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3907% | 232 |
| Cost of funding earning assets | 1.5261% | 778 |
| Net interest margin | 4.8646% | 551 |
| Noninterest income to average assets | 0.9352% | 1,531 |
| Noninterest expense to average assets | 3.5223% | 1,885 |
| Loan and lease loss provision to assets | 0.4462% | 2,240 |
| Net operating income to assets | 1.3537% | 1,256 |
| Return on assets (ROA) | 1.2175% | 1,716 |
| Pretax return on assets | 1.2765% | 2,374 |
| Return on Equity (ROE) | 13.9504% | 1,044 |
| Retained earnings to average equity (ytd only) | 3.8798% | 3,959 |
| Net charge-offs to loans | 0.4356% | 2,980 |
| Credit loss provision to net charge-offs | 137.5485% | 2,318 |
| Earnings coverage of net charge-offs (x) | 5.7526% | 2,706 |
| Efficiency ratio | 65.2743% | 4,853 |
| Assets per employee ($millions) | 3.4749% | 5,061 |
| Cash dividends to net income (ytd only)* | 72.1886% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,411 |
| Loan loss allowance to noncurrent loans | 82.9461% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 3.0128% | 2,132 |
| Noncurrent loans to loans | 1.7259% | 3,728 |
| Net loans and leases to total assets | 74.3843% | 1,256 |
| Net loans and leases to deposits | 91.4053% | 1,061 |
| Net loans and leases to core deposits | 107.8640% | 772 |
| Total domestic deposits to total assets | 81.3786% | 5,302 |
| Equity capital to assets | 9.0460% | 5,697 |
| Core capital (leverage) ratio | 9.4468% | 4,230 |
| Tier 1 risk-based capital ratio | 11.5397% | 6,222 |
| Total risk-based capital ratio | 12.7907% | 6,208 |
| Memoranda: | ||
| Average total assets | $741,050,500 | 895 |
| Average earning assets | $678,381,500 | 883 |
| Average equity | $64,675,250 | 1,047 |
| Average total loans | $551,894,500 | 770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3578% | 255 |
| Cost of funding earning assets | 1.5847% | 746 |
| Net interest margin | 4.7732% | 629 |
| Noninterest income to average assets | 0.9348% | 1,513 |
| Noninterest expense to average assets | 3.4356% | 2,167 |
| Loan and lease loss provision to assets | 0.4451% | 2,207 |
| Net operating income to assets | 1.3610% | 1,163 |
| Return on assets (ROA) | 1.2224% | 1,586 |
| Pretax return on assets | 1.2814% | 2,200 |
| Return on Equity (ROE) | 14.1781% | 939 |
| Retained earnings to average equity (ytd only) | 2.7255% | 4,552 |
| Net charge-offs to loans | 0.5079% | 2,578 |
| Credit loss provision to net charge-offs | 118.1948% | 2,599 |
| Earnings coverage of net charge-offs (x) | 4.9721% | 2,725 |
| Efficiency ratio | 64.6270% | 5,124 |
| Assets per employee ($millions) | 3.5290% | 4,865 |
| Cash dividends to net income (ytd only)* | 80.7769% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,708 |
| Loan loss allowance to noncurrent loans | 224.5848% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 2.2801% | 2,878 |
| Noncurrent loans to loans | 0.6117% | 5,698 |
| Net loans and leases to total assets | 73.7164% | 1,471 |
| Net loans and leases to deposits | 90.3215% | 1,236 |
| Net loans and leases to core deposits | 106.7070% | 885 |
| Total domestic deposits to total assets | 81.6155% | 5,312 |
| Equity capital to assets | 8.9059% | 5,702 |
| Core capital (leverage) ratio | 9.1354% | 4,512 |
| Tier 1 risk-based capital ratio | 11.5408% | 6,142 |
| Total risk-based capital ratio | 12.7912% | 6,131 |
| Memoranda: | ||
| Average total assets | $741,351,330 | 901 |
| Average earning assets | $679,255,000 | 895 |
| Average equity | $63,915,670 | 1,055 |
| Average total loans | $549,676,000 | 783 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2564% | 303 |
| Cost of funding earning assets | 1.6764% | 618 |
| Net interest margin | 4.5800% | 897 |
| Noninterest income to average assets | 1.0925% | 1,101 |
| Noninterest expense to average assets | 3.4088% | 2,259 |
| Loan and lease loss provision to assets | 0.3767% | 2,304 |
| Net operating income to assets | 1.4329% | 1,012 |
| Return on assets (ROA) | 1.2943% | 1,322 |
| Pretax return on assets | 1.3573% | 1,861 |
| Return on Equity (ROE) | 15.2625% | 780 |
| Retained earnings to average equity (ytd only) | 0.2856% | 5,694 |
| Net charge-offs to loans | 0.3207% | 2,773 |
| Credit loss provision to net charge-offs | 159.0909% | 1,804 |
| Earnings coverage of net charge-offs (x) | 7.9386% | 1,877 |
| Efficiency ratio | 64.3635% | 5,305 |
| Assets per employee ($millions) | 3.4883% | 5,022 |
| Cash dividends to net income (ytd only)* | 98.1289% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 4,621 |
| Loan loss allowance to noncurrent loans | 149.3988% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 2.5101% | 2,724 |
| Noncurrent loans to loans | 0.9430% | 5,150 |
| Net loans and leases to total assets | 71.3821% | 1,843 |
| Net loans and leases to deposits | 86.3733% | 1,672 |
| Net loans and leases to core deposits | 101.5466% | 1,233 |
| Total domestic deposits to total assets | 82.6436% | 5,046 |
| Equity capital to assets | 8.5274% | 5,868 |
| Core capital (leverage) ratio | 8.8889% | 4,790 |
| Tier 1 risk-based capital ratio | 11.5513% | 6,064 |
| Total risk-based capital ratio | 12.8020% | 6,045 |
| Memoranda: | ||
| Average total assets | $743,248,000 | 903 |
| Average earning assets | $680,968,000 | 897 |
| Average equity | $63,030,500 | 1,065 |
| Average total loans | $548,877,000 | 794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6575% | 246 |
| Cost of funding earning assets | 2.1011% | 429 |
| Net interest margin | 4.5565% | 1,117 |
| Noninterest income to average assets | 0.9246% | 1,760 |
| Noninterest expense to average assets | 3.4886% | 2,211 |
| Loan and lease loss provision to assets | 0.4634% | 3,349 |
| Net operating income to assets | 1.0714% | 1,796 |
| Return on assets (ROA) | 0.7461% | 3,139 |
| Pretax return on assets | 0.7852% | 3,684 |
| Return on Equity (ROE) | 9.4766% | 2,117 |
| Retained earnings to average equity (ytd only) | 2.8854% | 3,834 |
| Net charge-offs to loans | 0.5768% | 3,317 |
| Credit loss provision to net charge-offs | 104.7446% | 4,285 |
| Earnings coverage of net charge-offs (x) | 3.5963% | 3,290 |
| Efficiency ratio | 68.5776% | 4,442 |
| Assets per employee ($millions) | 3.4905% | 4,951 |
| Cash dividends to net income (ytd only)* | 69.5520% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,967 |
| Loan loss allowance to noncurrent loans | 143.8483% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 2.5845% | 2,694 |
| Noncurrent loans to loans | 0.9089% | 5,239 |
| Net loans and leases to total assets | 74.3094% | 1,600 |
| Net loans and leases to deposits | 91.5689% | 1,312 |
| Net loans and leases to core deposits | 109.6683% | 940 |
| Total domestic deposits to total assets | 81.1514% | 5,474 |
| Equity capital to assets | 8.4334% | 5,947 |
| Core capital (leverage) ratio | 9.0091% | 4,538 |
| Tier 1 risk-based capital ratio | 11.1778% | 6,196 |
| Total risk-based capital ratio | 12.3958% | 6,193 |
| Memoranda: | ||
| Average total assets | $747,917,000 | 906 |
| Average earning assets | $682,038,600 | 899 |
| Average equity | $58,882,000 | 1,136 |
| Average total loans | $573,638,000 | 781 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6650% | 256 |
| Cost of funding earning assets | 2.1349% | 476 |
| Net interest margin | 4.5301% | 1,189 |
| Noninterest income to average assets | 0.8806% | 1,872 |
| Noninterest expense to average assets | 3.4654% | 2,124 |
| Loan and lease loss provision to assets | 0.5235% | 2,839 |
| Net operating income to assets | 0.9732% | 2,325 |
| Return on assets (ROA) | 0.6470% | 3,827 |
| Pretax return on assets | 0.6805% | 4,302 |
| Return on Equity (ROE) | 8.3666% | 2,763 |
| Retained earnings to average equity (ytd only) | 1.7930% | 5,068 |
| Net charge-offs to loans | 0.7278% | 2,603 |
| Credit loss provision to net charge-offs | 93.3651% | 4,645 |
| Earnings coverage of net charge-offs (x) | 2.7597% | 3,766 |
| Efficiency ratio | 69.0316% | 4,259 |
| Assets per employee ($millions) | 3.4387% | 5,122 |
| Cash dividends to net income (ytd only)* | 78.5693% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 5,391 |
| Loan loss allowance to noncurrent loans | 131.6607% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 2.8381% | 2,556 |
| Noncurrent loans to loans | 0.9259% | 5,388 |
| Net loans and leases to total assets | 75.8516% | 1,440 |
| Net loans and leases to deposits | 93.6209% | 1,245 |
| Net loans and leases to core deposits | 112.3745% | 915 |
| Total domestic deposits to total assets | 81.0199% | 5,356 |
| Equity capital to assets | 8.2677% | 6,541 |
| Core capital (leverage) ratio | 8.8493% | 4,924 |
| Tier 1 risk-based capital ratio | 10.8834% | 6,480 |
| Total risk-based capital ratio | 12.0259% | 6,550 |
| Memoranda: | ||
| Average total assets | $749,025,500 | 903 |
| Average earning assets | $683,230,750 | 901 |
| Average equity | $57,927,250 | 1,150 |
| Average total loans | $577,098,250 | 784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6484% | 269 |
| Cost of funding earning assets | 2.1825% | 494 |
| Net interest margin | 4.4659% | 1,275 |
| Noninterest income to average assets | 0.6670% | 2,916 |
| Noninterest expense to average assets | 3.4786% | 2,072 |
| Loan and lease loss provision to assets | 0.5701% | 2,497 |
| Net operating income to assets | 0.6384% | 3,689 |
| Return on assets (ROA) | 0.3717% | 5,046 |
| Pretax return on assets | 0.3978% | 5,233 |
| Return on Equity (ROE) | 4.9184% | 4,327 |
| Retained earnings to average equity (ytd only) | -2.0082% | 6,147 |
| Net charge-offs to loans | 0.8237% | 2,191 |
| Credit loss provision to net charge-offs | 89.7318% | 4,431 |
| Earnings coverage of net charge-offs (x) | 1.9749% | 4,044 |
| Efficiency ratio | 73.3855% | 3,580 |
| Assets per employee ($millions) | 3.4970% | 4,936 |
| Cash dividends to net income (ytd only)* | 140.8309% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,405 |
| Loan loss allowance to noncurrent loans | 144.6163% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 2.6786% | 2,695 |
| Noncurrent loans to loans | 0.8355% | 5,611 |
| Net loans and leases to total assets | 75.2249% | 1,643 |
| Net loans and leases to deposits | 92.1560% | 1,505 |
| Net loans and leases to core deposits | 113.8357% | 925 |
| Total domestic deposits to total assets | 81.6278% | 5,141 |
| Equity capital to assets | 7.7146% | 6,992 |
| Core capital (leverage) ratio | 8.5726% | 5,289 |
| Tier 1 risk-based capital ratio | 10.6392% | 6,575 |
| Total risk-based capital ratio | 11.7735% | 6,659 |
| Memoranda: | ||
| Average total assets | $751,115,000 | 901 |
| Average earning assets | $683,898,000 | 903 |
| Average equity | $56,766,670 | 1,162 |
| Average total loans | $579,349,000 | 785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6631% | 280 |
| Cost of funding earning assets | 2.2158% | 563 |
| Net interest margin | 4.4474% | 1,259 |
| Noninterest income to average assets | 0.7337% | 2,388 |
| Noninterest expense to average assets | 3.5149% | 1,942 |
| Loan and lease loss provision to assets | 0.2131% | 4,380 |
| Net operating income to assets | 0.9995% | 2,189 |
| Return on assets (ROA) | 0.9995% | 2,259 |
| Pretax return on assets | 1.0448% | 2,922 |
| Return on Equity (ROE) | 13.3644% | 1,179 |
| Retained earnings to average equity (ytd only) | 9.3323% | 1,309 |
| Net charge-offs to loans | 0.1002% | 4,415 |
| Credit loss provision to net charge-offs | 273.9726% | 1,445 |
| Earnings coverage of net charge-offs (x) | 16.1712% | 1,341 |
| Efficiency ratio | 73.6437% | 3,628 |
| Assets per employee ($millions) | 3.3708% | 5,369 |
| Cash dividends to net income (ytd only)* | 30.1706% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 4,925 |
| Loan loss allowance to noncurrent loans | 135.5016% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 2.9949% | 2,394 |
| Noncurrent loans to loans | 0.9612% | 5,414 |
| Net loans and leases to total assets | 74.7601% | 1,793 |
| Net loans and leases to deposits | 91.9863% | 1,615 |
| Net loans and leases to core deposits | 112.4829% | 1,131 |
| Total domestic deposits to total assets | 81.2731% | 5,358 |
| Equity capital to assets | 8.1335% | 6,504 |
| Core capital (leverage) ratio | 9.1709% | 4,268 |
| Tier 1 risk-based capital ratio | 10.7645% | 6,377 |
| Total risk-based capital ratio | 11.9807% | 6,394 |
| Memoranda: | ||
| Average total assets | $750,746,500 | 923 |
| Average earning assets | $681,844,000 | 926 |
| Average equity | $56,149,000 | 1,181 |
| Average total loans | $582,775,000 | 798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9924% | 286 |
| Cost of funding earning assets | 2.5608% | 873 |
| Net interest margin | 4.4316% | 1,339 |
| Noninterest income to average assets | 1.1042% | 1,259 |
| Noninterest expense to average assets | 3.4760% | 2,438 |
| Loan and lease loss provision to assets | 1.0922% | 2,088 |
| Net operating income to assets | 0.5336% | 3,599 |
| Return on assets (ROA) | 0.3189% | 4,545 |
| Pretax return on assets | 0.3532% | 4,635 |
| Return on Equity (ROE) | 4.6566% | 3,818 |
| Retained earnings to average equity (ytd only) | -1.1269% | 5,291 |
| Net charge-offs to loans | 1.0425% | 2,326 |
| Credit loss provision to net charge-offs | 129.3103% | 3,972 |
| Earnings coverage of net charge-offs (x) | 1.9937% | 4,229 |
| Efficiency ratio | 67.3639% | 5,120 |
| Assets per employee ($millions) | 3.3474% | 5,383 |
| Cash dividends to net income (ytd only)* | 124.1997% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,350 |
| Loan loss allowance to noncurrent loans | 143.1827% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 2.9969% | 2,337 |
| Noncurrent loans to loans | 0.8390% | 5,615 |
| Net loans and leases to total assets | 78.5549% | 1,272 |
| Net loans and leases to deposits | 96.2309% | 1,307 |
| Net loans and leases to core deposits | 118.0259% | 2,127 |
| Total domestic deposits to total assets | 81.6317% | 5,092 |
| Equity capital to assets | 6.8231% | 7,455 |
| Core capital (leverage) ratio | 8.2963% | 5,627 |
| Tier 1 risk-based capital ratio | 9.2775% | 7,343 |
| Total risk-based capital ratio | 10.3862% | 7,424 |
| Memoranda: | ||
| Average total assets | $734,729,600 | 927 |
| Average earning assets | $672,418,400 | 923 |
| Average equity | $50,315,200 | 1,334 |
| Average total loans | $595,305,800 | 796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9760% | 312 |
| Cost of funding earning assets | 2.6203% | 983 |
| Net interest margin | 4.3558% | 1,576 |
| Noninterest income to average assets | 1.2017% | 1,065 |
| Noninterest expense to average assets | 3.5842% | 2,062 |
| Loan and lease loss provision to assets | 0.8299% | 2,305 |
| Net operating income to assets | 0.7305% | 3,095 |
| Return on assets (ROA) | 0.5096% | 4,027 |
| Pretax return on assets | 0.5498% | 4,360 |
| Return on Equity (ROE) | 7.4350% | 2,893 |
| Retained earnings to average equity (ytd only) | -0.0426% | 5,218 |
| Net charge-offs to loans | 0.4981% | 3,230 |
| Credit loss provision to net charge-offs | 204.6784% | 2,171 |
| Earnings coverage of net charge-offs (x) | 3.9883% | 3,309 |
| Efficiency ratio | 68.9087% | 4,808 |
| Assets per employee ($millions) | 3.2569% | 5,501 |
| Cash dividends to net income (ytd only)* | 100.5726% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,806 |
| Loan loss allowance to noncurrent loans | 55.5073% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.5800% | 1,841 |
| Noncurrent loans to loans | 2.2562% | 3,317 |
| Net loans and leases to total assets | 82.1653% | 781 |
| Net loans and leases to deposits | 102.3687% | 901 |
| Net loans and leases to core deposits | 128.3034% | 1,556 |
| Total domestic deposits to total assets | 80.2641% | 5,348 |
| Equity capital to assets | 6.8608% | 7,663 |
| Core capital (leverage) ratio | 8.3337% | 5,775 |
| Tier 1 risk-based capital ratio | 9.0784% | 7,590 |
| Total risk-based capital ratio | 10.2299% | 7,643 |
| Memoranda: | ||
| Average total assets | $730,959,750 | 943 |
| Average earning assets | $671,213,250 | 936 |
| Average equity | $50,104,000 | 1,362 |
| Average total loans | $595,088,750 | 811 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9079% | 379 |
| Cost of funding earning assets | 2.6535% | 1,153 |
| Net interest margin | 4.2544% | 1,804 |
| Noninterest income to average assets | 1.0756% | 1,372 |
| Noninterest expense to average assets | 3.5891% | 2,094 |
| Loan and lease loss provision to assets | 0.7542% | 2,179 |
| Net operating income to assets | 0.5942% | 3,699 |
| Return on assets (ROA) | 0.5630% | 3,946 |
| Pretax return on assets | 0.6020% | 4,318 |
| Return on Equity (ROE) | 8.2165% | 2,680 |
| Retained earnings to average equity (ytd only) | -0.7884% | 5,424 |
| Net charge-offs to loans | 0.2050% | 4,243 |
| Credit loss provision to net charge-offs | 455.2980% | 1,019 |
| Earnings coverage of net charge-offs (x) | 8.3874% | 2,269 |
| Efficiency ratio | 72.0928% | 4,395 |
| Assets per employee ($millions) | 3.2154% | 5,547 |
| Cash dividends to net income (ytd only)* | 109.5957% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 4,776 |
| Loan loss allowance to noncurrent loans | 39.2402% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 3.3158% | 1,878 |
| Noncurrent loans to loans | 3.1249% | 2,283 |
| Net loans and leases to total assets | 81.5706% | 1,034 |
| Net loans and leases to deposits | 104.7000% | 858 |
| Net loans and leases to core deposits | 132.5427% | 1,399 |
| Total domestic deposits to total assets | 77.9088% | 6,098 |
| Equity capital to assets | 6.7565% | 7,731 |
| Core capital (leverage) ratio | 8.2910% | 5,814 |
| Tier 1 risk-based capital ratio | 9.0475% | 7,677 |
| Total risk-based capital ratio | 10.1716% | 7,767 |
| Memoranda: | ||
| Average total assets | $729,262,000 | 955 |
| Average earning assets | $668,999,670 | 951 |
| Average equity | $49,972,330 | 1,376 |
| Average total loans | $589,301,670 | 843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8885% | 416 |
| Cost of funding earning assets | 2.7531% | 1,106 |
| Net interest margin | 4.1354% | 2,139 |
| Noninterest income to average assets | 1.0114% | 1,452 |
| Noninterest expense to average assets | 3.5508% | 1,969 |
| Loan and lease loss provision to assets | 0.5248% | 2,374 |
| Net operating income to assets | 0.6705% | 3,704 |
| Return on assets (ROA) | 0.7325% | 3,609 |
| Pretax return on assets | 0.7689% | 4,190 |
| Return on Equity (ROE) | 10.6133% | 2,097 |
| Retained earnings to average equity (ytd only) | -1.3927% | 5,979 |
| Net charge-offs to loans | 0.0809% | 4,359 |
| Credit loss provision to net charge-offs | 811.9658% | 738 |
| Earnings coverage of net charge-offs (x) | 19.0085% | 1,433 |
| Efficiency ratio | 74.2950% | 3,774 |
| Assets per employee ($millions) | 3.0527% | 6,018 |
| Cash dividends to net income (ytd only)* | 113.1222% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 5,651 |
| Loan loss allowance to noncurrent loans | 45.5524% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 3.6380% | 1,458 |
| Noncurrent loans to loans | 2.3608% | 2,793 |
| Net loans and leases to total assets | 80.2189% | 1,339 |
| Net loans and leases to deposits | 101.4877% | 1,231 |
| Net loans and leases to core deposits | 128.4356% | 1,750 |
| Total domestic deposits to total assets | 79.0429% | 5,710 |
| Equity capital to assets | 7.0700% | 7,643 |
| Core capital (leverage) ratio | 8.1750% | 6,150 |
| Tier 1 risk-based capital ratio | 9.6065% | 7,334 |
| Total risk-based capital ratio | 10.5906% | 7,522 |
| Memoranda: | ||
| Average total assets | $724,123,000 | 969 |
| Average earning assets | $659,763,000 | 971 |
| Average equity | $49,975,000 | 1,376 |
| Average total loans | $578,584,500 | 863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3099% | 584 |
| Cost of funding earning assets | 3.0167% | 1,811 |
| Net interest margin | 4.2932% | 2,001 |
| Noninterest income to average assets | 1.1443% | 1,181 |
| Noninterest expense to average assets | 3.5952% | 2,160 |
| Loan and lease loss provision to assets | 0.7442% | 1,999 |
| Net operating income to assets | 0.7066% | 3,864 |
| Return on assets (ROA) | 0.4376% | 4,822 |
| Pretax return on assets | 0.4731% | 5,062 |
| Return on Equity (ROE) | 5.6950% | 4,070 |
| Retained earnings to average equity (ytd only) | 0.2011% | 5,112 |
| Net charge-offs to loans | 0.6266% | 1,961 |
| Credit loss provision to net charge-offs | 149.2537% | 3,533 |
| Earnings coverage of net charge-offs (x) | 3.0278% | 4,571 |
| Efficiency ratio | 70.4261% | 4,265 |
| Assets per employee ($millions) | 3.1898% | 5,510 |
| Cash dividends to net income (ytd only)* | 96.4683% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 6,586 |
| Loan loss allowance to noncurrent loans | 83.7723% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 3,626 |
| Noncurrent loans to loans | 1.0942% | 4,372 |
| Net loans and leases to total assets | 78.0411% | 2,124 |
| Net loans and leases to deposits | 99.9894% | 1,834 |
| Net loans and leases to core deposits | 125.3487% | 2,224 |
| Total domestic deposits to total assets | 78.0493% | 5,700 |
| Equity capital to assets | 6.7401% | 7,859 |
| Core capital (leverage) ratio | 8.0410% | 6,421 |
| Tier 1 risk-based capital ratio | 9.1718% | 7,643 |
| Total risk-based capital ratio | 10.0100% | 8,002 |
| Memoranda: | ||
| Average total assets | $698,741,000 | 963 |
| Average earning assets | $644,604,600 | 939 |
| Average equity | $53,696,000 | 1,258 |
| Average total loans | $555,987,200 | 858 |