Home > Points West Community Bank > Performance and Condition Ratios
Points West Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 3,000 |
| Cost of funding earning assets | 1.1352% | 2,971 |
| Net interest margin | 3.4213% | 2,359 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.3388% | 2,747 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2025% | 1,646 |
| Return on assets (ROA) | 1.2025% | 1,620 |
| Pretax return on assets | 1.2125% | 2,108 |
| Return on Equity (ROE) | 19.4500% | 663 |
| Retained earnings to average equity (ytd only) | -2.2155% | 4,285 |
| Net charge-offs to loans | -0.0012% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.6258% | 2,396 |
| Assets per employee ($millions) | 5.0931% | 3,566 |
| Cash dividends to net income (ytd only)* | 111.3887% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 638 |
| Loan loss allowance to noncurrent loans | 1,886.7008% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,260 |
| Noncurrent loans to loans | 0.0909% | 3,088 |
| Net loans and leases to total assets | 53.9300% | 3,353 |
| Net loans and leases to deposits | 61.8010% | 3,417 |
| Net loans and leases to core deposits | 68.0214% | 3,407 |
| Total domestic deposits to total assets | 87.2600% | 1,601 |
| Equity capital to assets | 6.7255% | 4,041 |
| Core capital (leverage) ratio | 9.5054% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $798,812,800 | 1,188 |
| Average earning assets | $748,917,400 | 1,171 |
| Average equity | $49,380,400 | 1,628 |
| Average total loans | $404,409,400 | 1,461 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 2,960 |
| Cost of funding earning assets | 1.0436% | 2,911 |
| Net interest margin | 3.4301% | 2,394 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.3834% | 2,569 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.2334% | 1,691 |
| Return on assets (ROA) | 1.2334% | 1,691 |
| Pretax return on assets | 1.2449% | 2,186 |
| Return on Equity (ROE) | 20.3900% | 688 |
| Retained earnings to average equity (ytd only) | -0.7609% | 4,235 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.6729% | 2,194 |
| Assets per employee ($millions) | 5.1213% | 3,501 |
| Cash dividends to net income (ytd only)* | 103.7316% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 579 |
| Loan loss allowance to noncurrent loans | 8,555.2941% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,746 |
| Noncurrent loans to loans | 0.0209% | 3,613 |
| Net loans and leases to total assets | 51.6500% | 3,521 |
| Net loans and leases to deposits | 56.9739% | 3,660 |
| Net loans and leases to core deposits | 62.4671% | 3,593 |
| Total domestic deposits to total assets | 90.6500% | 763 |
| Equity capital to assets | 5.6861% | 4,087 |
| Core capital (leverage) ratio | 9.5649% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $802,431,250 | 1,180 |
| Average earning assets | $753,042,500 | 1,165 |
| Average equity | $48,537,750 | 1,635 |
| Average total loans | $397,928,750 | 1,468 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,867 |
| Cost of funding earning assets | 0.9361% | 2,815 |
| Net interest margin | 3.4733% | 2,334 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2528% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3379% | 1,478 |
| Return on assets (ROA) | 1.3379% | 1,462 |
| Pretax return on assets | 1.3488% | 1,946 |
| Return on Equity (ROE) | 21.7100% | 564 |
| Retained earnings to average equity (ytd only) | 2.9285% | 3,495 |
| Net charge-offs to loans | 0.0005% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 5,477.0000% | 12 |
| Efficiency ratio | 62.5504% | 2,640 |
| Assets per employee ($millions) | 5.2258% | 3,387 |
| Cash dividends to net income (ytd only)* | 86.5084% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 494 |
| Loan loss allowance to noncurrent loans | 1,378.0399% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,070 |
| Noncurrent loans to loans | 0.1379% | 2,782 |
| Net loans and leases to total assets | 50.0100% | 3,562 |
| Net loans and leases to deposits | 55.3977% | 3,672 |
| Net loans and leases to core deposits | 60.6498% | 3,597 |
| Total domestic deposits to total assets | 90.2700% | 852 |
| Equity capital to assets | 6.2667% | 4,079 |
| Core capital (leverage) ratio | 9.2434% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $812,138,333 | 1,166 |
| Average earning assets | $762,962,000 | 1,151 |
| Average equity | $50,060,000 | 1,595 |
| Average total loans | $395,015,000 | 1,465 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,966 |
| Cost of funding earning assets | 0.7871% | 2,780 |
| Net interest margin | 3.4473% | 2,508 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2675% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2674% | 1,758 |
| Return on assets (ROA) | 1.2674% | 1,725 |
| Pretax return on assets | 1.2800% | 2,227 |
| Return on Equity (ROE) | 20.7200% | 683 |
| Retained earnings to average equity (ytd only) | 4.1007% | 3,245 |
| Net charge-offs to loans | -0.0020% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9192% | 2,475 |
| Assets per employee ($millions) | 5.5602% | 3,154 |
| Cash dividends to net income (ytd only)* | 80.2139% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 465 |
| Loan loss allowance to noncurrent loans | 1,406.6667% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,141 |
| Noncurrent loans to loans | 0.1402% | 2,794 |
| Net loans and leases to total assets | 45.5900% | 3,795 |
| Net loans and leases to deposits | 50.2195% | 3,881 |
| Net loans and leases to core deposits | 53.8290% | 3,840 |
| Total domestic deposits to total assets | 90.7800% | 873 |
| Equity capital to assets | 6.2510% | 4,122 |
| Core capital (leverage) ratio | 9.1618% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $826,271,500 | 1,170 |
| Average earning assets | $776,038,500 | 1,147 |
| Average equity | $50,528,500 | 1,600 |
| Average total loans | $392,733,500 | 1,491 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 2,712 |
| Cost of funding earning assets | 0.2659% | 3,197 |
| Net interest margin | 3.3627% | 2,375 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.0938% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3721% | 1,207 |
| Return on assets (ROA) | 1.3721% | 1,165 |
| Pretax return on assets | 1.3832% | 1,813 |
| Return on Equity (ROE) | 19.2100% | 546 |
| Retained earnings to average equity (ytd only) | 4.0356% | 3,385 |
| Net charge-offs to loans | -0.0679% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2189% | 3,028 |
| Assets per employee ($millions) | 5.6443% | 3,090 |
| Cash dividends to net income (ytd only)* | 78.9889% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 390 |
| Loan loss allowance to noncurrent loans | 9,920.4819% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,786 |
| Noncurrent loans to loans | 0.0207% | 3,660 |
| Net loans and leases to total assets | 47.5600% | 3,699 |
| Net loans and leases to deposits | 52.3072% | 3,781 |
| Net loans and leases to core deposits | 55.3948% | 3,746 |
| Total domestic deposits to total assets | 90.9300% | 985 |
| Equity capital to assets | 5.9787% | 4,096 |
| Core capital (leverage) ratio | 9.1639% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $830,422,800 | 1,155 |
| Average earning assets | $782,636,800 | 1,130 |
| Average equity | $59,322,000 | 1,416 |
| Average total loans | $387,463,400 | 1,437 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 2,696 |
| Cost of funding earning assets | 0.2027% | 3,233 |
| Net interest margin | 3.2722% | 2,386 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.0967% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2820% | 1,420 |
| Return on assets (ROA) | 1.2820% | 1,388 |
| Pretax return on assets | 1.2950% | 2,062 |
| Return on Equity (ROE) | 17.2500% | 751 |
| Retained earnings to average equity (ytd only) | 6.4686% | 2,565 |
| Net charge-offs to loans | -0.0909% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.8190% | 2,852 |
| Assets per employee ($millions) | 5.6010% | 3,125 |
| Cash dividends to net income (ytd only)* | 62.5000% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 409 |
| Loan loss allowance to noncurrent loans | 9,801.1905% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,877 |
| Noncurrent loans to loans | 0.0214% | 3,755 |
| Net loans and leases to total assets | 46.9500% | 3,707 |
| Net loans and leases to deposits | 51.7999% | 3,745 |
| Net loans and leases to core deposits | 54.1716% | 3,734 |
| Total domestic deposits to total assets | 90.6400% | 1,392 |
| Equity capital to assets | 5.6715% | 4,081 |
| Core capital (leverage) ratio | 9.2173% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $832,010,750 | 1,160 |
| Average earning assets | $785,222,250 | 1,138 |
| Average equity | $61,835,250 | 1,385 |
| Average total loans | $384,286,250 | 1,440 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 2,785 |
| Cost of funding earning assets | 0.1838% | 3,132 |
| Net interest margin | 3.1013% | 2,535 |
| Noninterest income to average assets | 0.2880% | 3,451 |
| Noninterest expense to average assets | 2.0371% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1657% | 1,556 |
| Return on assets (ROA) | 1.1657% | 1,531 |
| Pretax return on assets | 1.1786% | 2,138 |
| Return on Equity (ROE) | 14.5610% | 986 |
| Retained earnings to average equity (ytd only) | 14.5610% | 308 |
| Net charge-offs to loans | -0.0194% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3492% | 2,857 |
| Assets per employee ($millions) | 5.5688% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 492 |
| Loan loss allowance to noncurrent loans | 486.5128% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,331 |
| Noncurrent loans to loans | 0.4232% | 1,848 |
| Net loans and leases to total assets | 46.2219% | 3,701 |
| Net loans and leases to deposits | 51.6503% | 3,713 |
| Net loans and leases to core deposits | 53.9738% | 3,694 |
| Total domestic deposits to total assets | 89.4900% | 1,952 |
| Equity capital to assets | 6.4371% | 4,040 |
| Core capital (leverage) ratio | 9.2796% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,763,667 | 1,151 |
| Average earning assets | $789,914,333 | 1,138 |
| Average equity | $66,987,333 | 1,328 |
| Average total loans | $381,654,000 | 1,434 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1523% | 2,819 |
| Cost of funding earning assets | 0.1829% | 3,050 |
| Net interest margin | 2.9694% | 2,600 |
| Noninterest income to average assets | 0.2695% | 3,517 |
| Noninterest expense to average assets | 2.0952% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9660% | 2,010 |
| Return on assets (ROA) | 0.9660% | 2,010 |
| Pretax return on assets | 0.9788% | 2,507 |
| Return on Equity (ROE) | 11.0123% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.0123% | 786 |
| Net charge-offs to loans | -0.0063% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1587% | 2,486 |
| Assets per employee ($millions) | 5.6461% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 526 |
| Loan loss allowance to noncurrent loans | 656.5432% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,797 |
| Noncurrent loans to loans | 0.3185% | 2,329 |
| Net loans and leases to total assets | 43.8126% | 3,752 |
| Net loans and leases to deposits | 49.7874% | 3,747 |
| Net loans and leases to core deposits | 52.1260% | 3,727 |
| Total domestic deposits to total assets | 87.9993% | 2,522 |
| Equity capital to assets | 7.8207% | 3,707 |
| Core capital (leverage) ratio | 9.1456% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $843,051,500 | 1,144 |
| Average earning assets | $796,244,500 | 1,132 |
| Average equity | $73,954,000 | 1,273 |
| Average total loans | $377,999,500 | 1,434 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 1,893 |
| Cost of funding earning assets | 0.2391% | 3,052 |
| Net interest margin | 3.5522% | 1,596 |
| Noninterest income to average assets | 0.2945% | 3,637 |
| Noninterest expense to average assets | 2.0710% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5537% | 903 |
| Return on assets (ROA) | 1.5537% | 934 |
| Pretax return on assets | 1.5665% | 1,518 |
| Return on Equity (ROE) | 15.6341% | 816 |
| Retained earnings to average equity (ytd only) | 9.1809% | 1,144 |
| Net charge-offs to loans | -0.0087% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9346% | 3,589 |
| Assets per employee ($millions) | 5.7091% | 3,044 |
| Cash dividends to net income (ytd only)* | 41.2768% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 496 |
| Loan loss allowance to noncurrent loans | 619.3473% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,861 |
| Noncurrent loans to loans | 0.3437% | 2,347 |
| Net loans and leases to total assets | 43.9716% | 3,839 |
| Net loans and leases to deposits | 51.1691% | 3,787 |
| Net loans and leases to core deposits | 53.7155% | 3,772 |
| Total domestic deposits to total assets | 85.9340% | 2,936 |
| Equity capital to assets | 9.7454% | 2,893 |
| Core capital (leverage) ratio | 9.1085% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $818,647,400 | 1,136 |
| Average earning assets | $770,431,600 | 1,128 |
| Average equity | $81,354,000 | 1,191 |
| Average total loans | $391,234,600 | 1,405 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 1,672 |
| Cost of funding earning assets | 0.2525% | 3,099 |
| Net interest margin | 3.6819% | 1,379 |
| Noninterest income to average assets | 0.2927% | 3,696 |
| Noninterest expense to average assets | 2.0922% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6513% | 915 |
| Return on assets (ROA) | 1.6513% | 958 |
| Pretax return on assets | 1.6646% | 1,504 |
| Return on Equity (ROE) | 16.5350% | 845 |
| Retained earnings to average equity (ytd only) | 12.4394% | 739 |
| Net charge-offs to loans | -0.0158% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6920% | 3,562 |
| Assets per employee ($millions) | 5.3765% | 3,322 |
| Cash dividends to net income (ytd only)* | 24.7696% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 498 |
| Loan loss allowance to noncurrent loans | 550.6897% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 2,940 |
| Noncurrent loans to loans | 0.3896% | 2,397 |
| Net loans and leases to total assets | 44.2697% | 3,930 |
| Net loans and leases to deposits | 51.9193% | 3,891 |
| Net loans and leases to core deposits | 54.6188% | 3,877 |
| Total domestic deposits to total assets | 85.2664% | 3,028 |
| Equity capital to assets | 10.2928% | 2,618 |
| Core capital (leverage) ratio | 9.1399% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $814,925,500 | 1,145 |
| Average earning assets | $766,717,750 | 1,137 |
| Average equity | $81,384,750 | 1,207 |
| Average total loans | $395,420,750 | 1,418 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 1,740 |
| Cost of funding earning assets | 0.2703% | 3,087 |
| Net interest margin | 3.6613% | 1,442 |
| Noninterest income to average assets | 0.2809% | 3,738 |
| Noninterest expense to average assets | 2.0705% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6392% | 969 |
| Return on assets (ROA) | 1.6392% | 1,019 |
| Pretax return on assets | 1.6522% | 1,608 |
| Return on Equity (ROE) | 16.5849% | 841 |
| Retained earnings to average equity (ytd only) | 16.5849% | 298 |
| Net charge-offs to loans | -0.0010% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6180% | 3,587 |
| Assets per employee ($millions) | 5.4371% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 588 |
| Loan loss allowance to noncurrent loans | 436.9290% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,803 |
| Noncurrent loans to loans | 0.4624% | 2,290 |
| Net loans and leases to total assets | 46.5887% | 3,861 |
| Net loans and leases to deposits | 54.7403% | 3,812 |
| Net loans and leases to core deposits | 57.5476% | 3,793 |
| Total domestic deposits to total assets | 85.1086% | 3,049 |
| Equity capital to assets | 10.0223% | 2,830 |
| Core capital (leverage) ratio | 8.9010% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $812,366,333 | 1,138 |
| Average earning assets | $763,669,000 | 1,131 |
| Average equity | $80,290,000 | 1,217 |
| Average total loans | $403,178,000 | 1,398 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 2,282 |
| Cost of funding earning assets | 0.2968% | 3,029 |
| Net interest margin | 3.4350% | 2,000 |
| Noninterest income to average assets | 0.2742% | 3,755 |
| Noninterest expense to average assets | 2.1238% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3619% | 1,655 |
| Return on assets (ROA) | 1.3619% | 1,743 |
| Pretax return on assets | 1.3748% | 2,351 |
| Return on Equity (ROE) | 13.8799% | 1,458 |
| Retained earnings to average equity (ytd only) | 13.8799% | 771 |
| Net charge-offs to loans | -0.0020% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7041% | 2,949 |
| Assets per employee ($millions) | 5.6277% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 632 |
| Loan loss allowance to noncurrent loans | 774.5366% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 3,552 |
| Noncurrent loans to loans | 0.2546% | 3,191 |
| Net loans and leases to total assets | 48.0358% | 3,814 |
| Net loans and leases to deposits | 56.0252% | 3,787 |
| Net loans and leases to core deposits | 59.6806% | 3,724 |
| Total domestic deposits to total assets | 85.7397% | 2,837 |
| Equity capital to assets | 9.5608% | 3,139 |
| Core capital (leverage) ratio | 8.8070% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $805,332,000 | 1,132 |
| Average earning assets | $755,974,000 | 1,131 |
| Average equity | $79,021,000 | 1,223 |
| Average total loans | $408,285,000 | 1,389 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,379 |
| Cost of funding earning assets | 0.5000% | 2,946 |
| Net interest margin | 3.9735% | 1,034 |
| Noninterest income to average assets | 0.2844% | 3,783 |
| Noninterest expense to average assets | 2.2733% | 3,481 |
| Loan and lease loss provision to assets | 0.0274% | 4,061 |
| Net operating income to assets | 1.6796% | 525 |
| Return on assets (ROA) | 1.6801% | 562 |
| Pretax return on assets | 1.6939% | 863 |
| Return on Equity (ROE) | 16.4125% | 459 |
| Retained earnings to average equity (ytd only) | 4.2124% | 2,707 |
| Net charge-offs to loans | 0.0970% | 1,495 |
| Credit loss provision to net charge-offs | 49.2611% | 3,152 |
| Earnings coverage of net charge-offs (x) | 30.8818% | 1,582 |
| Efficiency ratio | 56.9171% | 3,869 |
| Assets per employee ($millions) | 5.1910% | 3,174 |
| Cash dividends to net income (ytd only)* | 74.3343% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 696 |
| Loan loss allowance to noncurrent loans | 285.7091% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 2,577 |
| Noncurrent loans to loans | 0.6711% | 2,003 |
| Net loans and leases to total assets | 51.4576% | 3,707 |
| Net loans and leases to deposits | 61.0812% | 3,675 |
| Net loans and leases to core deposits | 65.9389% | 3,547 |
| Total domestic deposits to total assets | 84.2445% | 3,034 |
| Equity capital to assets | 10.0741% | 3,062 |
| Core capital (leverage) ratio | 8.7563% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $728,628,200 | 1,138 |
| Average earning assets | $680,263,000 | 1,131 |
| Average equity | $74,589,400 | 1,226 |
| Average total loans | $418,390,600 | 1,300 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 1,848 |
| Cost of funding earning assets | 0.5444% | 2,966 |
| Net interest margin | 3.8567% | 1,459 |
| Noninterest income to average assets | 0.3392% | 3,448 |
| Noninterest expense to average assets | 2.3262% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5999% | 728 |
| Return on assets (ROA) | 1.6006% | 795 |
| Pretax return on assets | 1.6141% | 1,150 |
| Return on Equity (ROE) | 15.5674% | 607 |
| Retained earnings to average equity (ytd only) | 2.8460% | 3,583 |
| Net charge-offs to loans | 0.0906% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 30.2947% | 1,572 |
| Efficiency ratio | 59.0476% | 3,512 |
| Assets per employee ($millions) | 4.9585% | 3,301 |
| Cash dividends to net income (ytd only)* | 81.7184% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 756 |
| Loan loss allowance to noncurrent loans | 257.6393% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 2,554 |
| Noncurrent loans to loans | 0.6923% | 2,060 |
| Net loans and leases to total assets | 57.4124% | 3,475 |
| Net loans and leases to deposits | 68.1205% | 3,457 |
| Net loans and leases to core deposits | 73.7146% | 3,339 |
| Total domestic deposits to total assets | 84.2806% | 2,721 |
| Equity capital to assets | 10.3370% | 2,931 |
| Core capital (leverage) ratio | 8.7421% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $713,528,500 | 1,143 |
| Average earning assets | $666,118,500 | 1,135 |
| Average equity | $73,365,000 | 1,232 |
| Average total loans | $419,500,500 | 1,295 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 1,434 |
| Cost of funding earning assets | 0.5917% | 3,005 |
| Net interest margin | 4.0974% | 1,122 |
| Noninterest income to average assets | 0.2539% | 3,951 |
| Noninterest expense to average assets | 2.2950% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7671% | 540 |
| Return on assets (ROA) | 1.7682% | 589 |
| Pretax return on assets | 1.7819% | 840 |
| Return on Equity (ROE) | 17.2303% | 424 |
| Retained earnings to average equity (ytd only) | 3.5908% | 3,132 |
| Net charge-offs to loans | -0.0019% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3078% | 3,903 |
| Assets per employee ($millions) | 5.1020% | 3,065 |
| Cash dividends to net income (ytd only)* | 79.1599% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 636 |
| Loan loss allowance to noncurrent loans | 359.3736% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 3,107 |
| Noncurrent loans to loans | 0.5051% | 2,635 |
| Net loans and leases to total assets | 58.3642% | 3,484 |
| Net loans and leases to deposits | 69.1094% | 3,489 |
| Net loans and leases to core deposits | 74.8139% | 3,386 |
| Total domestic deposits to total assets | 84.4519% | 2,575 |
| Equity capital to assets | 10.2188% | 2,994 |
| Core capital (leverage) ratio | 8.7940% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $700,142,000 | 1,145 |
| Average earning assets | $653,042,667 | 1,135 |
| Average equity | $71,850,333 | 1,238 |
| Average total loans | $412,478,000 | 1,298 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3544% | 490 |
| Cost of funding earning assets | 0.6573% | 3,134 |
| Net interest margin | 4.6971% | 331 |
| Noninterest income to average assets | 0.2706% | 3,914 |
| Noninterest expense to average assets | 2.4934% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1319% | 211 |
| Return on assets (ROA) | 2.1342% | 234 |
| Pretax return on assets | 2.1479% | 338 |
| Return on Equity (ROE) | 20.7473% | 140 |
| Retained earnings to average equity (ytd only) | 4.5611% | 2,474 |
| Net charge-offs to loans | 0.0010% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3,608.0000% | 6 |
| Efficiency ratio | 53.7495% | 4,414 |
| Assets per employee ($millions) | 4.5730% | 3,166 |
| Cash dividends to net income (ytd only)* | 78.0162% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 460 |
| Loan loss allowance to noncurrent loans | 915.8605% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 3,986 |
| Noncurrent loans to loans | 0.2254% | 3,675 |
| Net loans and leases to total assets | 56.6933% | 3,781 |
| Net loans and leases to deposits | 66.6801% | 3,819 |
| Net loans and leases to core deposits | 72.7204% | 3,716 |
| Total domestic deposits to total assets | 85.0228% | 2,402 |
| Equity capital to assets | 9.9511% | 3,835 |
| Core capital (leverage) ratio | 9.6616% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $672,662,000 | 1,153 |
| Average earning assets | $625,575,000 | 1,144 |
| Average equity | $69,194,500 | 1,272 |
| Average total loans | $394,289,000 | 1,307 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 979 |
| Cost of funding earning assets | 0.6968% | 3,169 |
| Net interest margin | 4.5094% | 705 |
| Noninterest income to average assets | 0.2760% | 4,030 |
| Noninterest expense to average assets | 2.5002% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9591% | 391 |
| Return on assets (ROA) | 1.9591% | 405 |
| Pretax return on assets | 1.9591% | 654 |
| Return on Equity (ROE) | 18.4594% | 305 |
| Retained earnings to average equity (ytd only) | -0.7230% | 4,782 |
| Net charge-offs to loans | -0.0512% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0667% | 4,189 |
| Assets per employee ($millions) | 4.5594% | 3,143 |
| Cash dividends to net income (ytd only)* | 103.9169% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1367% | 370 |
| Loan loss allowance to noncurrent loans | 414.8023% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,049 |
| Noncurrent loans to loans | 0.5151% | 2,638 |
| Net loans and leases to total assets | 64.6968% | 3,108 |
| Net loans and leases to deposits | 79.0404% | 2,901 |
| Net loans and leases to core deposits | 83.3460% | 3,013 |
| Total domestic deposits to total assets | 81.8528% | 3,546 |
| Equity capital to assets | 10.5935% | 3,353 |
| Core capital (leverage) ratio | 9.8284% | 3,698 |
| Tier 1 risk-based capital ratio | 13.7736% | 3,384 |
| Total risk-based capital ratio | 15.0324% | 3,283 |
| Memoranda: | ||
| Average total assets | $255,420,400 | 2,424 |
| Average earning assets | $236,948,200 | 2,428 |
| Average equity | $27,108,200 | 2,554 |
| Average total loans | $168,085,200 | 2,426 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 932 |
| Cost of funding earning assets | 0.6814% | 3,301 |
| Net interest margin | 4.5789% | 641 |
| Noninterest income to average assets | 0.3408% | 3,689 |
| Noninterest expense to average assets | 2.3887% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2078% | 272 |
| Return on assets (ROA) | 2.2078% | 279 |
| Pretax return on assets | 2.2078% | 448 |
| Return on Equity (ROE) | 20.7926% | 208 |
| Retained earnings to average equity (ytd only) | 0.0543% | 4,746 |
| Net charge-offs to loans | -0.1165% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9676% | 4,595 |
| Assets per employee ($millions) | 3.9649% | 3,948 |
| Cash dividends to net income (ytd only)* | 99.7387% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 307 |
| Loan loss allowance to noncurrent loans | 200.6993% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 1,873 |
| Noncurrent loans to loans | 1.1190% | 1,421 |
| Net loans and leases to total assets | 63.9987% | 3,288 |
| Net loans and leases to deposits | 77.0382% | 3,198 |
| Net loans and leases to core deposits | 81.1527% | 3,306 |
| Total domestic deposits to total assets | 83.0740% | 3,140 |
| Equity capital to assets | 10.8937% | 3,203 |
| Core capital (leverage) ratio | 10.0546% | 3,588 |
| Tier 1 risk-based capital ratio | 14.6142% | 3,020 |
| Total risk-based capital ratio | 15.8748% | 2,942 |
| Memoranda: | ||
| Average total assets | $254,304,000 | 2,453 |
| Average earning assets | $236,354,000 | 2,447 |
| Average equity | $27,002,500 | 2,575 |
| Average total loans | $167,154,250 | 2,464 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 816 |
| Cost of funding earning assets | 0.6929% | 3,208 |
| Net interest margin | 4.6077% | 607 |
| Noninterest income to average assets | 0.3702% | 3,465 |
| Noninterest expense to average assets | 2.3357% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3200% | 206 |
| Return on assets (ROA) | 2.3200% | 216 |
| Pretax return on assets | 2.3200% | 341 |
| Return on Equity (ROE) | 22.0389% | 162 |
| Retained earnings to average equity (ytd only) | 1.1348% | 4,400 |
| Net charge-offs to loans | -0.1743% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1688% | 4,774 |
| Assets per employee ($millions) | 5.3289% | 2,119 |
| Cash dividends to net income (ytd only)* | 94.8509% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 301 |
| Loan loss allowance to noncurrent loans | 315.1182% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 2,676 |
| Noncurrent loans to loans | 0.7275% | 2,173 |
| Net loans and leases to total assets | 62.1727% | 3,526 |
| Net loans and leases to deposits | 73.9322% | 3,524 |
| Net loans and leases to core deposits | 77.7792% | 3,595 |
| Total domestic deposits to total assets | 84.0941% | 2,816 |
| Equity capital to assets | 10.7938% | 3,275 |
| Core capital (leverage) ratio | 10.1823% | 3,406 |
| Tier 1 risk-based capital ratio | 15.0855% | 2,796 |
| Total risk-based capital ratio | 16.3467% | 2,716 |
| Memoranda: | ||
| Average total assets | $254,488,000 | 2,458 |
| Average earning assets | $236,690,000 | 2,450 |
| Average equity | $26,789,000 | 2,584 |
| Average total loans | $167,496,000 | 2,467 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 563 |
| Cost of funding earning assets | 0.7119% | 2,991 |
| Net interest margin | 4.7425% | 450 |
| Noninterest income to average assets | 0.4507% | 2,850 |
| Noninterest expense to average assets | 2.3432% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5166% | 154 |
| Return on assets (ROA) | 2.5166% | 163 |
| Pretax return on assets | 2.5166% | 238 |
| Return on Equity (ROE) | 24.2162% | 115 |
| Retained earnings to average equity (ytd only) | 6.0199% | 2,450 |
| Net charge-offs to loans | -0.4663% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2166% | 4,934 |
| Assets per employee ($millions) | 5.2117% | 2,272 |
| Cash dividends to net income (ytd only)* | 75.1409% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 362 |
| Loan loss allowance to noncurrent loans | 284.4361% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 2,542 |
| Noncurrent loans to loans | 0.7701% | 2,106 |
| Net loans and leases to total assets | 66.1502% | 3,031 |
| Net loans and leases to deposits | 80.0374% | 2,838 |
| Net loans and leases to core deposits | 84.4896% | 2,987 |
| Total domestic deposits to total assets | 82.6490% | 3,522 |
| Equity capital to assets | 10.5339% | 3,317 |
| Core capital (leverage) ratio | 10.1951% | 3,387 |
| Tier 1 risk-based capital ratio | 14.8254% | 2,948 |
| Total risk-based capital ratio | 16.0863% | 2,881 |
| Memoranda: | ||
| Average total assets | $253,839,000 | 2,485 |
| Average earning assets | $235,994,000 | 2,483 |
| Average equity | $26,379,000 | 2,612 |
| Average total loans | $169,864,000 | 2,477 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 583 |
| Cost of funding earning assets | 0.6249% | 2,552 |
| Net interest margin | 4.6760% | 513 |
| Noninterest income to average assets | 0.3229% | 3,939 |
| Noninterest expense to average assets | 2.1846% | 4,372 |
| Loan and lease loss provision to assets | 0.0453% | 3,277 |
| Net operating income to assets | 2.4666% | 160 |
| Return on assets (ROA) | 2.4658% | 157 |
| Pretax return on assets | 2.4658% | 223 |
| Return on Equity (ROE) | 24.5811% | 98 |
| Retained earnings to average equity (ytd only) | 8.2257% | 1,141 |
| Net charge-offs to loans | -0.1011% | 5,154 |
| Credit loss provision to net charge-offs | -66.4706% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5152% | 5,104 |
| Assets per employee ($millions) | 5.7342% | 1,729 |
| Cash dividends to net income (ytd only)* | 66.5365% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 369 |
| Loan loss allowance to noncurrent loans | 1,400.3906% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,319 |
| Noncurrent loans to loans | 0.1533% | 4,056 |
| Net loans and leases to total assets | 64.7749% | 3,275 |
| Net loans and leases to deposits | 75.7981% | 3,363 |
| Net loans and leases to core deposits | 79.5732% | 3,461 |
| Total domestic deposits to total assets | 85.4572% | 2,452 |
| Equity capital to assets | 10.2484% | 3,427 |
| Core capital (leverage) ratio | 10.0227% | 3,550 |
| Tier 1 risk-based capital ratio | 15.0662% | 2,800 |
| Total risk-based capital ratio | 16.3267% | 2,728 |
| Memoranda: | ||
| Average total assets | $249,289,400 | 2,474 |
| Average earning assets | $233,170,600 | 2,464 |
| Average equity | $25,007,000 | 2,642 |
| Average total loans | $168,216,800 | 2,453 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 737 |
| Cost of funding earning assets | 0.5896% | 2,548 |
| Net interest margin | 4.5248% | 703 |
| Noninterest income to average assets | 0.2784% | 4,287 |
| Noninterest expense to average assets | 2.1475% | 4,436 |
| Loan and lease loss provision to assets | 0.0606% | 2,767 |
| Net operating income to assets | 2.3105% | 222 |
| Return on assets (ROA) | 2.3095% | 219 |
| Pretax return on assets | 2.3095% | 334 |
| Return on Equity (ROE) | 23.1497% | 125 |
| Retained earnings to average equity (ytd only) | 7.8779% | 1,712 |
| Net charge-offs to loans | -0.0530% | 4,951 |
| Credit loss provision to net charge-offs | -168.6567% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5246% | 5,074 |
| Assets per employee ($millions) | 5.9876% | 1,498 |
| Cash dividends to net income (ytd only)* | 65.9697% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 431 |
| Loan loss allowance to noncurrent loans | 242.6481% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 2,479 |
| Noncurrent loans to loans | 0.8533% | 1,994 |
| Net loans and leases to total assets | 65.4896% | 3,243 |
| Net loans and leases to deposits | 79.5120% | 3,088 |
| Net loans and leases to core deposits | 83.8641% | 3,167 |
| Total domestic deposits to total assets | 82.3645% | 3,502 |
| Equity capital to assets | 9.8532% | 3,778 |
| Core capital (leverage) ratio | 10.0432% | 3,586 |
| Tier 1 risk-based capital ratio | 14.4904% | 3,132 |
| Total risk-based capital ratio | 15.7496% | 3,042 |
| Memoranda: | ||
| Average total assets | $248,536,000 | 2,496 |
| Average earning assets | $232,902,500 | 2,476 |
| Average equity | $24,794,500 | 2,673 |
| Average total loans | $168,517,500 | 2,464 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 703 |
| Cost of funding earning assets | 0.5702% | 2,433 |
| Net interest margin | 4.4987% | 703 |
| Noninterest income to average assets | 0.2650% | 4,414 |
| Noninterest expense to average assets | 2.1046% | 4,595 |
| Loan and lease loss provision to assets | 0.0913% | 2,101 |
| Net operating income to assets | 2.2888% | 213 |
| Return on assets (ROA) | 2.2872% | 211 |
| Pretax return on assets | 2.2872% | 337 |
| Return on Equity (ROE) | 22.8309% | 133 |
| Retained earnings to average equity (ytd only) | 12.0244% | 513 |
| Net charge-offs to loans | -0.0095% | 4,305 |
| Credit loss provision to net charge-offs | -1,412.5000% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9285% | 5,169 |
| Assets per employee ($millions) | 5.7530% | 1,683 |
| Cash dividends to net income (ytd only)* | 47.3331% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 443 |
| Loan loss allowance to noncurrent loans | 675.1479% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,898 |
| Noncurrent loans to loans | 0.3106% | 3,592 |
| Net loans and leases to total assets | 64.6003% | 3,331 |
| Net loans and leases to deposits | 77.2447% | 3,233 |
| Net loans and leases to core deposits | 81.7661% | 3,264 |
| Total domestic deposits to total assets | 83.6307% | 3,207 |
| Equity capital to assets | 10.1945% | 3,446 |
| Core capital (leverage) ratio | 10.1752% | 3,391 |
| Tier 1 risk-based capital ratio | 15.1556% | 2,799 |
| Total risk-based capital ratio | 16.4154% | 2,715 |
| Memoranda: | ||
| Average total assets | $247,554,330 | 2,516 |
| Average earning assets | $232,201,330 | 2,493 |
| Average equity | $24,799,670 | 2,682 |
| Average total loans | $168,631,330 | 2,476 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 752 |
| Cost of funding earning assets | 0.5601% | 2,315 |
| Net interest margin | 4.4055% | 761 |
| Noninterest income to average assets | 0.2084% | 4,774 |
| Noninterest expense to average assets | 2.0756% | 4,713 |
| Loan and lease loss provision to assets | 0.1825% | 936 |
| Net operating income to assets | 2.1046% | 290 |
| Return on assets (ROA) | 2.1014% | 294 |
| Pretax return on assets | 2.1014% | 464 |
| Return on Equity (ROE) | 21.1631% | 186 |
| Retained earnings to average equity (ytd only) | 13.0297% | 518 |
| Net charge-offs to loans | -0.0093% | 4,217 |
| Credit loss provision to net charge-offs | -2,825.0000% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5750% | 5,210 |
| Assets per employee ($millions) | 5.9333% | 1,569 |
| Cash dividends to net income (ytd only)* | 38.4320% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 501 |
| Loan loss allowance to noncurrent loans | 194.5931% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 2,161 |
| Noncurrent loans to loans | 1.0453% | 1,750 |
| Net loans and leases to total assets | 66.0754% | 3,021 |
| Net loans and leases to deposits | 79.1364% | 2,902 |
| Net loans and leases to core deposits | 84.2100% | 2,959 |
| Total domestic deposits to total assets | 83.4956% | 3,505 |
| Equity capital to assets | 9.9001% | 3,701 |
| Core capital (leverage) ratio | 9.9890% | 3,549 |
| Tier 1 risk-based capital ratio | 14.6994% | 3,026 |
| Total risk-based capital ratio | 15.9590% | 2,937 |
| Memoranda: | ||
| Average total assets | $247,642,500 | 2,536 |
| Average earning assets | $233,525,500 | 2,508 |
| Average equity | $24,590,000 | 2,717 |
| Average total loans | $171,332,000 | 2,456 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 631 |
| Cost of funding earning assets | 0.5442% | 1,990 |
| Net interest margin | 4.4686% | 667 |
| Noninterest income to average assets | 0.2906% | 4,385 |
| Noninterest expense to average assets | 2.1756% | 4,578 |
| Loan and lease loss provision to assets | 0.2765% | 647 |
| Net operating income to assets | 2.0241% | 269 |
| Return on assets (ROA) | 2.0278% | 269 |
| Pretax return on assets | 2.0278% | 459 |
| Return on Equity (ROE) | 20.3630% | 184 |
| Retained earnings to average equity (ytd only) | 8.2327% | 684 |
| Net charge-offs to loans | 0.1708% | 1,443 |
| Credit loss provision to net charge-offs | 236.1702% | 1,175 |
| Earnings coverage of net charge-offs (x) | 19.6525% | 2,011 |
| Efficiency ratio | 48.6043% | 5,281 |
| Assets per employee ($millions) | 5.8592% | 1,617 |
| Cash dividends to net income (ytd only)* | 59.5701% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 656 |
| Loan loss allowance to noncurrent loans | 133.3064% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 1,524 |
| Noncurrent loans to loans | 1.4188% | 1,209 |
| Net loans and leases to total assets | 69.6032% | 2,587 |
| Net loans and leases to deposits | 83.2850% | 2,572 |
| Net loans and leases to core deposits | 89.2308% | 2,632 |
| Total domestic deposits to total assets | 83.5723% | 3,366 |
| Equity capital to assets | 9.9596% | 3,746 |
| Core capital (leverage) ratio | 9.5827% | 3,934 |
| Tier 1 risk-based capital ratio | 13.6967% | 3,524 |
| Total risk-based capital ratio | 14.9550% | 3,437 |
| Memoranda: | ||
| Average total assets | $240,901,200 | 2,558 |
| Average earning assets | $225,642,400 | 2,543 |
| Average equity | $23,989,600 | 2,759 |
| Average total loans | $165,081,200 | 2,479 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 669 |
| Cost of funding earning assets | 0.5326% | 2,015 |
| Net interest margin | 4.4259% | 694 |
| Noninterest income to average assets | 0.3088% | 4,316 |
| Noninterest expense to average assets | 2.1602% | 4,615 |
| Loan and lease loss provision to assets | 0.3289% | 460 |
| Net operating income to assets | 1.9632% | 337 |
| Return on assets (ROA) | 1.9682% | 338 |
| Pretax return on assets | 1.9682% | 584 |
| Return on Equity (ROE) | 19.7650% | 233 |
| Retained earnings to average equity (ytd only) | 10.2094% | 540 |
| Net charge-offs to loans | 0.2368% | 900 |
| Credit loss provision to net charge-offs | 204.4983% | 1,327 |
| Earnings coverage of net charge-offs (x) | 14.2527% | 2,299 |
| Efficiency ratio | 48.5189% | 5,319 |
| Assets per employee ($millions) | 6.5130% | 1,172 |
| Cash dividends to net income (ytd only)* | 48.3460% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 744 |
| Loan loss allowance to noncurrent loans | 134.3346% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 1,754 |
| Noncurrent loans to loans | 1.3938% | 1,343 |
| Net loans and leases to total assets | 68.1863% | 2,817 |
| Net loans and leases to deposits | 84.7889% | 2,462 |
| Net loans and leases to core deposits | 92.6758% | 2,380 |
| Total domestic deposits to total assets | 80.4189% | 4,225 |
| Equity capital to assets | 10.0613% | 3,846 |
| Core capital (leverage) ratio | 9.5828% | 4,049 |
| Tier 1 risk-based capital ratio | 13.6858% | 3,591 |
| Total risk-based capital ratio | 14.9440% | 3,515 |
| Memoranda: | ||
| Average total assets | $239,605,250 | 2,587 |
| Average earning assets | $224,312,000 | 2,572 |
| Average equity | $23,859,750 | 2,794 |
| Average total loans | $162,705,250 | 2,523 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 725 |
| Cost of funding earning assets | 0.5075% | 2,110 |
| Net interest margin | 4.3762% | 732 |
| Noninterest income to average assets | 0.3359% | 4,145 |
| Noninterest expense to average assets | 2.1833% | 4,589 |
| Loan and lease loss provision to assets | 0.3038% | 500 |
| Net operating income to assets | 1.9386% | 345 |
| Return on assets (ROA) | 1.9386% | 355 |
| Pretax return on assets | 1.9386% | 602 |
| Return on Equity (ROE) | 19.5384% | 239 |
| Retained earnings to average equity (ytd only) | 11.7979% | 340 |
| Net charge-offs to loans | 0.3646% | 557 |
| Credit loss provision to net charge-offs | 123.7113% | 1,747 |
| Earnings coverage of net charge-offs (x) | 9.1306% | 2,463 |
| Efficiency ratio | 49.3326% | 5,339 |
| Assets per employee ($millions) | 6.0276% | 1,445 |
| Cash dividends to net income (ytd only)* | 39.6169% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 850 |
| Loan loss allowance to noncurrent loans | 135.7727% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 1,936 |
| Noncurrent loans to loans | 1.3402% | 1,440 |
| Net loans and leases to total assets | 66.8434% | 2,978 |
| Net loans and leases to deposits | 81.2010% | 2,780 |
| Net loans and leases to core deposits | 88.8728% | 2,628 |
| Total domestic deposits to total assets | 82.3184% | 3,799 |
| Equity capital to assets | 10.1894% | 3,679 |
| Core capital (leverage) ratio | 9.5388% | 4,089 |
| Tier 1 risk-based capital ratio | 14.1226% | 3,359 |
| Total risk-based capital ratio | 15.3798% | 3,267 |
| Memoranda: | ||
| Average total assets | $236,975,670 | 2,623 |
| Average earning assets | $221,472,000 | 2,608 |
| Average equity | $23,512,670 | 2,829 |
| Average total loans | $159,614,670 | 2,571 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 772 |
| Cost of funding earning assets | 0.4935% | 2,145 |
| Net interest margin | 4.2931% | 801 |
| Noninterest income to average assets | 0.2827% | 4,525 |
| Noninterest expense to average assets | 2.1949% | 4,659 |
| Loan and lease loss provision to assets | 0.1532% | 1,204 |
| Net operating income to assets | 1.9343% | 341 |
| Return on assets (ROA) | 1.9343% | 355 |
| Pretax return on assets | 1.9343% | 579 |
| Return on Equity (ROE) | 19.7690% | 241 |
| Retained earnings to average equity (ytd only) | 12.6341% | 412 |
| Net charge-offs to loans | -0.0102% | 4,430 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2525% | 5,309 |
| Assets per employee ($millions) | 6.0132% | 1,504 |
| Cash dividends to net income (ytd only)* | 36.0915% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 779 |
| Loan loss allowance to noncurrent loans | 710.3774% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,534 |
| Noncurrent loans to loans | 0.2687% | 4,147 |
| Net loans and leases to total assets | 64.3518% | 3,224 |
| Net loans and leases to deposits | 76.4113% | 3,146 |
| Net loans and leases to core deposits | 83.7417% | 2,926 |
| Total domestic deposits to total assets | 84.2176% | 3,387 |
| Equity capital to assets | 9.7423% | 4,025 |
| Core capital (leverage) ratio | 9.5222% | 4,101 |
| Tier 1 risk-based capital ratio | 13.7657% | 3,620 |
| Total risk-based capital ratio | 15.0233% | 3,522 |
| Memoranda: | ||
| Average total assets | $234,911,500 | 2,658 |
| Average earning assets | $218,862,000 | 2,649 |
| Average equity | $22,985,500 | 2,892 |
| Average total loans | $157,347,500 | 2,613 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 685 |
| Cost of funding earning assets | 0.5180% | 1,952 |
| Net interest margin | 4.4120% | 758 |
| Noninterest income to average assets | 0.3255% | 4,411 |
| Noninterest expense to average assets | 2.2356% | 4,688 |
| Loan and lease loss provision to assets | 0.1372% | 1,822 |
| Net operating income to assets | 2.0909% | 266 |
| Return on assets (ROA) | 2.0909% | 276 |
| Pretax return on assets | 2.0909% | 406 |
| Return on Equity (ROE) | 20.8190% | 188 |
| Retained earnings to average equity (ytd only) | 5.5629% | 1,975 |
| Net charge-offs to loans | 0.0013% | 4,235 |
| Credit loss provision to net charge-offs | 15,450.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 2,508.5000% | 19 |
| Efficiency ratio | 50.0846% | 5,483 |
| Assets per employee ($millions) | 5.5926% | 1,792 |
| Cash dividends to net income (ytd only)* | 73.2795% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 863 |
| Loan loss allowance to noncurrent loans | 552.6515% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 4,386 |
| Noncurrent loans to loans | 0.3365% | 3,933 |
| Net loans and leases to total assets | 67.1541% | 2,906 |
| Net loans and leases to deposits | 80.0771% | 2,880 |
| Net loans and leases to core deposits | 87.8050% | 2,694 |
| Total domestic deposits to total assets | 83.8618% | 3,476 |
| Equity capital to assets | 9.8293% | 3,909 |
| Core capital (leverage) ratio | 9.5124% | 4,066 |
| Tier 1 risk-based capital ratio | 13.5131% | 3,763 |
| Total risk-based capital ratio | 14.7705% | 3,659 |
| Memoranda: | ||
| Average total assets | $225,170,400 | 2,711 |
| Average earning assets | $211,196,400 | 2,689 |
| Average equity | $22,614,000 | 2,930 |
| Average total loans | $150,871,600 | 2,628 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 627 |
| Cost of funding earning assets | 0.5266% | 1,897 |
| Net interest margin | 4.4528% | 697 |
| Noninterest income to average assets | 0.3480% | 4,298 |
| Noninterest expense to average assets | 2.2111% | 4,739 |
| Loan and lease loss provision to assets | 0.1297% | 1,808 |
| Net operating income to assets | 2.1920% | 250 |
| Return on assets (ROA) | 2.1920% | 261 |
| Pretax return on assets | 2.1920% | 394 |
| Return on Equity (ROE) | 21.7082% | 167 |
| Retained earnings to average equity (ytd only) | 6.0972% | 2,128 |
| Net charge-offs to loans | 0.0054% | 3,719 |
| Credit loss provision to net charge-offs | 3,633.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 650.4838% | 144 |
| Efficiency ratio | 48.7795% | 5,564 |
| Assets per employee ($millions) | 5.2286% | 2,115 |
| Cash dividends to net income (ytd only)* | 71.9133% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8325% | 949 |
| Loan loss allowance to noncurrent loans | 3,282.5581% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,329 |
| Noncurrent loans to loans | 0.0558% | 5,132 |
| Net loans and leases to total assets | 67.2625% | 2,911 |
| Net loans and leases to deposits | 82.2212% | 2,699 |
| Net loans and leases to core deposits | 88.6899% | 2,691 |
| Total domestic deposits to total assets | 81.8068% | 4,000 |
| Equity capital to assets | 10.4341% | 3,626 |
| Core capital (leverage) ratio | 9.4360% | 4,278 |
| Tier 1 risk-based capital ratio | 13.8087% | 3,663 |
| Total risk-based capital ratio | 15.0661% | 3,585 |
| Memoranda: | ||
| Average total assets | $224,139,250 | 2,725 |
| Average earning assets | $210,647,500 | 2,698 |
| Average equity | $22,633,000 | 2,952 |
| Average total loans | $149,364,750 | 2,652 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 754 |
| Cost of funding earning assets | 0.5314% | 1,864 |
| Net interest margin | 4.3516% | 847 |
| Noninterest income to average assets | 0.3216% | 4,486 |
| Noninterest expense to average assets | 2.1973% | 4,852 |
| Loan and lease loss provision to assets | 0.0884% | 2,375 |
| Net operating income to assets | 2.1250% | 257 |
| Return on assets (ROA) | 2.1250% | 274 |
| Pretax return on assets | 2.1250% | 443 |
| Return on Equity (ROE) | 21.2813% | 179 |
| Retained earnings to average equity (ytd only) | 4.2849% | 3,191 |
| Net charge-offs to loans | -0.0068% | 4,601 |
| Credit loss provision to net charge-offs | -1,980.0000% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8177% | 5,572 |
| Assets per employee ($millions) | 5.2330% | 2,053 |
| Cash dividends to net income (ytd only)* | 79.8655% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 1,095 |
| Loan loss allowance to noncurrent loans | 136.0220% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 2,380 |
| Noncurrent loans to loans | 1.3149% | 1,718 |
| Net loans and leases to total assets | 66.2523% | 3,047 |
| Net loans and leases to deposits | 81.6748% | 2,745 |
| Net loans and leases to core deposits | 88.2068% | 2,707 |
| Total domestic deposits to total assets | 81.1172% | 4,238 |
| Equity capital to assets | 10.2231% | 3,947 |
| Core capital (leverage) ratio | 9.2588% | 4,507 |
| Tier 1 risk-based capital ratio | 13.9287% | 3,642 |
| Total risk-based capital ratio | 15.1860% | 3,560 |
| Memoranda: | ||
| Average total assets | $223,908,670 | 2,743 |
| Average earning assets | $210,404,000 | 2,708 |
| Average equity | $22,357,670 | 2,985 |
| Average total loans | $147,803,000 | 2,679 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 549 |
| Cost of funding earning assets | 0.5344% | 1,832 |
| Net interest margin | 4.4931% | 614 |
| Noninterest income to average assets | 0.2865% | 4,675 |
| Noninterest expense to average assets | 2.1759% | 4,961 |
| Loan and lease loss provision to assets | 0.1773% | 1,149 |
| Net operating income to assets | 2.1491% | 250 |
| Return on assets (ROA) | 2.1491% | 263 |
| Pretax return on assets | 2.1491% | 420 |
| Return on Equity (ROE) | 21.7840% | 165 |
| Retained earnings to average equity (ytd only) | -3.6307% | 5,524 |
| Net charge-offs to loans | -0.0110% | 4,574 |
| Credit loss provision to net charge-offs | -2,475.0000% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3294% | 5,709 |
| Assets per employee ($millions) | 5.4059% | 1,918 |
| Cash dividends to net income (ytd only)* | 116.6667% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 993 |
| Loan loss allowance to noncurrent loans | 372.8022% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 4,252 |
| Noncurrent loans to loans | 0.5051% | 3,663 |
| Net loans and leases to total assets | 63.8053% | 3,267 |
| Net loans and leases to deposits | 77.5560% | 3,049 |
| Net loans and leases to core deposits | 84.2456% | 2,915 |
| Total domestic deposits to total assets | 82.2699% | 4,123 |
| Equity capital to assets | 9.9594% | 4,132 |
| Core capital (leverage) ratio | 9.0421% | 4,798 |
| Tier 1 risk-based capital ratio | 14.1397% | 3,602 |
| Total risk-based capital ratio | 15.3979% | 3,524 |
| Memoranda: | ||
| Average total assets | $223,353,000 | 2,753 |
| Average earning assets | $209,566,000 | 2,722 |
| Average equity | $22,034,500 | 3,022 |
| Average total loans | $145,806,500 | 2,709 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 849 |
| Cost of funding earning assets | 0.4650% | 2,484 |
| Net interest margin | 4.3842% | 821 |
| Noninterest income to average assets | 0.3807% | 4,180 |
| Noninterest expense to average assets | 2.1682% | 5,119 |
| Loan and lease loss provision to assets | 0.0912% | 2,481 |
| Net operating income to assets | 2.2270% | 240 |
| Return on assets (ROA) | 2.2275% | 247 |
| Pretax return on assets | 2.2275% | 327 |
| Return on Equity (ROE) | 22.5350% | 153 |
| Retained earnings to average equity (ytd only) | 3.6213% | 3,478 |
| Net charge-offs to loans | 0.0244% | 3,763 |
| Credit loss provision to net charge-offs | 606.0606% | 555 |
| Earnings coverage of net charge-offs (x) | 154.0606% | 413 |
| Efficiency ratio | 48.3281% | 5,831 |
| Assets per employee ($millions) | 5.4894% | 1,816 |
| Cash dividends to net income (ytd only)* | 83.9304% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 1,191 |
| Loan loss allowance to noncurrent loans | 280.4511% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 3,946 |
| Noncurrent loans to loans | 0.6313% | 3,289 |
| Net loans and leases to total assets | 64.3678% | 3,219 |
| Net loans and leases to deposits | 80.2244% | 2,796 |
| Net loans and leases to core deposits | 87.0116% | 2,695 |
| Total domestic deposits to total assets | 80.2347% | 4,693 |
| Equity capital to assets | 9.7727% | 4,218 |
| Core capital (leverage) ratio | 9.0621% | 4,805 |
| Tier 1 risk-based capital ratio | 14.0608% | 3,679 |
| Total risk-based capital ratio | 15.3177% | 3,595 |
| Memoranda: | ||
| Average total assets | $219,305,800 | 2,748 |
| Average earning assets | $205,373,000 | 2,723 |
| Average equity | $21,677,400 | 3,009 |
| Average total loans | $135,125,200 | 2,798 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 734 |
| Cost of funding earning assets | 0.4609% | 2,569 |
| Net interest margin | 4.4599% | 714 |
| Noninterest income to average assets | 0.4247% | 3,903 |
| Noninterest expense to average assets | 2.1646% | 5,137 |
| Loan and lease loss provision to assets | 0.0710% | 2,761 |
| Net operating income to assets | 2.3641% | 199 |
| Return on assets (ROA) | 2.3641% | 207 |
| Pretax return on assets | 2.3641% | 306 |
| Return on Equity (ROE) | 23.8473% | 137 |
| Retained earnings to average equity (ytd only) | 2.8582% | 4,407 |
| Net charge-offs to loans | 0.0374% | 3,152 |
| Credit loss provision to net charge-offs | 313.5135% | 932 |
| Earnings coverage of net charge-offs (x) | 107.5451% | 587 |
| Efficiency ratio | 47.0596% | 5,919 |
| Assets per employee ($millions) | 5.1290% | 2,143 |
| Cash dividends to net income (ytd only)* | 88.0145% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 1,217 |
| Loan loss allowance to noncurrent loans | 284.7630% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 4,167 |
| Noncurrent loans to loans | 0.6409% | 3,399 |
| Net loans and leases to total assets | 61.5388% | 3,666 |
| Net loans and leases to deposits | 76.2415% | 3,274 |
| Net loans and leases to core deposits | 82.8816% | 3,159 |
| Total domestic deposits to total assets | 80.7157% | 4,540 |
| Equity capital to assets | 9.8219% | 4,368 |
| Core capital (leverage) ratio | 9.1236% | 4,846 |
| Tier 1 risk-based capital ratio | 14.5271% | 3,555 |
| Total risk-based capital ratio | 15.7847% | 3,463 |
| Memoranda: | ||
| Average total assets | $217,865,750 | 2,787 |
| Average earning assets | $203,944,000 | 2,755 |
| Average equity | $21,598,000 | 3,032 |
| Average total loans | $132,036,250 | 2,868 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 849 |
| Cost of funding earning assets | 0.4595% | 2,612 |
| Net interest margin | 4.3656% | 813 |
| Noninterest income to average assets | 0.4618% | 3,619 |
| Noninterest expense to average assets | 2.1938% | 5,132 |
| Loan and lease loss provision to assets | 0.0212% | 3,709 |
| Net operating income to assets | 2.3275% | 214 |
| Return on assets (ROA) | 2.3275% | 226 |
| Pretax return on assets | 2.3275% | 323 |
| Return on Equity (ROE) | 23.4049% | 152 |
| Retained earnings to average equity (ytd only) | 4.8664% | 2,947 |
| Net charge-offs to loans | -0.0246% | 5,241 |
| Credit loss provision to net charge-offs | -143.7500% | 4,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2955% | 5,947 |
| Assets per employee ($millions) | 5.1263% | 2,121 |
| Cash dividends to net income (ytd only)* | 79.2079% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 1,056 |
| Loan loss allowance to noncurrent loans | 216.4778% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 3,838 |
| Noncurrent loans to loans | 0.9043% | 2,861 |
| Net loans and leases to total assets | 57.7606% | 4,131 |
| Net loans and leases to deposits | 70.3652% | 3,888 |
| Net loans and leases to core deposits | 75.8703% | 3,784 |
| Total domestic deposits to total assets | 82.0869% | 4,267 |
| Equity capital to assets | 10.0378% | 3,998 |
| Core capital (leverage) ratio | 9.1298% | 4,775 |
| Tier 1 risk-based capital ratio | 15.5259% | 3,091 |
| Total risk-based capital ratio | 16.7840% | 3,034 |
| Memoranda: | ||
| Average total assets | $216,972,000 | 2,813 |
| Average earning assets | $202,812,330 | 2,790 |
| Average equity | $21,576,670 | 3,043 |
| Average total loans | $129,966,670 | 2,911 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 688 |
| Cost of funding earning assets | 0.4328% | 2,945 |
| Net interest margin | 4.4741% | 632 |
| Noninterest income to average assets | 0.5436% | 3,001 |
| Noninterest expense to average assets | 2.2405% | 5,039 |
| Loan and lease loss provision to assets | 0.0422% | 3,069 |
| Net operating income to assets | 2.4370% | 172 |
| Return on assets (ROA) | 2.4370% | 182 |
| Pretax return on assets | 2.4370% | 266 |
| Return on Equity (ROE) | 24.6208% | 113 |
| Retained earnings to average equity (ytd only) | 6.0671% | 2,452 |
| Net charge-offs to loans | -0.0061% | 4,554 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4708% | 6,043 |
| Assets per employee ($millions) | 5.7958% | 1,557 |
| Cash dividends to net income (ytd only)* | 75.3580% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 1,281 |
| Loan loss allowance to noncurrent loans | 164.9299% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 3,453 |
| Noncurrent loans to loans | 1.1531% | 2,463 |
| Net loans and leases to total assets | 57.8258% | 3,970 |
| Net loans and leases to deposits | 69.6721% | 3,787 |
| Net loans and leases to core deposits | 74.9187% | 3,694 |
| Total domestic deposits to total assets | 82.9971% | 4,182 |
| Equity capital to assets | 9.9111% | 4,253 |
| Core capital (leverage) ratio | 9.2019% | 4,708 |
| Tier 1 risk-based capital ratio | 14.7212% | 3,591 |
| Total risk-based capital ratio | 15.9716% | 3,520 |
| Memoranda: | ||
| Average total assets | $217,805,000 | 2,824 |
| Average earning assets | $203,304,000 | 2,800 |
| Average equity | $21,559,000 | 3,071 |
| Average total loans | $131,527,500 | 2,890 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 1,079 |
| Cost of funding earning assets | 0.4082% | 3,602 |
| Net interest margin | 4.4107% | 871 |
| Noninterest income to average assets | 0.6477% | 2,561 |
| Noninterest expense to average assets | 2.2102% | 5,331 |
| Loan and lease loss provision to assets | 0.2241% | 1,095 |
| Net operating income to assets | 2.3267% | 185 |
| Return on assets (ROA) | 2.3470% | 184 |
| Pretax return on assets | 2.3470% | 252 |
| Return on Equity (ROE) | 23.8772% | 126 |
| Retained earnings to average equity (ytd only) | 1.3198% | 5,183 |
| Net charge-offs to loans | 0.0649% | 3,557 |
| Credit loss provision to net charge-offs | 608.9744% | 435 |
| Earnings coverage of net charge-offs (x) | 69.3205% | 712 |
| Efficiency ratio | 46.4229% | 6,251 |
| Assets per employee ($millions) | 4.8948% | 2,465 |
| Cash dividends to net income (ytd only)* | 94.4724% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 1,461 |
| Loan loss allowance to noncurrent loans | 154.9778% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 3,379 |
| Noncurrent loans to loans | 1.1837% | 2,471 |
| Net loans and leases to total assets | 60.7264% | 3,688 |
| Net loans and leases to deposits | 74.6527% | 3,357 |
| Net loans and leases to core deposits | 80.6779% | 3,220 |
| Total domestic deposits to total assets | 81.3452% | 4,637 |
| Equity capital to assets | 9.8853% | 4,255 |
| Core capital (leverage) ratio | 8.9524% | 5,059 |
| Tier 1 risk-based capital ratio | 14.0547% | 4,050 |
| Total risk-based capital ratio | 15.3111% | 3,969 |
| Memoranda: | ||
| Average total assets | $211,974,200 | 2,860 |
| Average earning assets | $197,677,200 | 2,831 |
| Average equity | $20,835,800 | 3,069 |
| Average total loans | $120,196,200 | 3,036 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 1,122 |
| Cost of funding earning assets | 0.3941% | 3,857 |
| Net interest margin | 4.3972% | 886 |
| Noninterest income to average assets | 0.6978% | 2,335 |
| Noninterest expense to average assets | 2.1737% | 5,401 |
| Loan and lease loss provision to assets | 0.1326% | 1,892 |
| Net operating income to assets | 2.4926% | 147 |
| Return on assets (ROA) | 2.5185% | 141 |
| Pretax return on assets | 2.5185% | 203 |
| Return on Equity (ROE) | 25.6594% | 91 |
| Retained earnings to average equity (ytd only) | 1.8530% | 5,128 |
| Net charge-offs to loans | 0.0638% | 3,294 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 74.2369% | 744 |
| Efficiency ratio | 45.2954% | 6,315 |
| Assets per employee ($millions) | 4.7454% | 2,600 |
| Cash dividends to net income (ytd only)* | 92.7783% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 1,862 |
| Loan loss allowance to noncurrent loans | 133.5558% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 3,548 |
| Noncurrent loans to loans | 1.2999% | 2,473 |
| Net loans and leases to total assets | 57.0684% | 4,193 |
| Net loans and leases to deposits | 70.1984% | 3,900 |
| Net loans and leases to core deposits | 77.5481% | 3,576 |
| Total domestic deposits to total assets | 81.2959% | 4,733 |
| Equity capital to assets | 9.6885% | 4,562 |
| Core capital (leverage) ratio | 9.0562% | 4,989 |
| Tier 1 risk-based capital ratio | 14.6245% | 3,803 |
| Total risk-based capital ratio | 15.8799% | 3,746 |
| Memoranda: | ||
| Average total assets | $211,125,000 | 2,894 |
| Average earning assets | $196,910,000 | 2,866 |
| Average equity | $20,722,250 | 3,090 |
| Average total loans | $116,937,500 | 3,123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 1,105 |
| Cost of funding earning assets | 0.3949% | 3,915 |
| Net interest margin | 4.3847% | 873 |
| Noninterest income to average assets | 0.7263% | 2,160 |
| Noninterest expense to average assets | 2.1827% | 5,458 |
| Loan and lease loss provision to assets | 0.1820% | 1,345 |
| Net operating income to assets | 2.4576% | 150 |
| Return on assets (ROA) | 2.4787% | 148 |
| Pretax return on assets | 2.4787% | 214 |
| Return on Equity (ROE) | 25.1409% | 106 |
| Retained earnings to average equity (ytd only) | 0.8455% | 5,409 |
| Net charge-offs to loans | 0.1689% | 2,041 |
| Credit loss provision to net charge-offs | 197.9167% | 1,185 |
| Earnings coverage of net charge-offs (x) | 28.6979% | 1,297 |
| Efficiency ratio | 45.2613% | 6,381 |
| Assets per employee ($millions) | 4.7970% | 2,479 |
| Cash dividends to net income (ytd only)* | 96.6370% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 1,765 |
| Loan loss allowance to noncurrent loans | 137.0679% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 3,697 |
| Noncurrent loans to loans | 1.3341% | 2,581 |
| Net loans and leases to total assets | 54.4585% | 4,488 |
| Net loans and leases to deposits | 66.9408% | 4,165 |
| Net loans and leases to core deposits | 72.1661% | 4,036 |
| Total domestic deposits to total assets | 81.3533% | 4,859 |
| Equity capital to assets | 9.9220% | 4,215 |
| Core capital (leverage) ratio | 9.1898% | 4,758 |
| Tier 1 risk-based capital ratio | 15.4436% | 3,386 |
| Total risk-based capital ratio | 16.6997% | 3,323 |
| Memoranda: | ||
| Average total assets | $208,737,000 | 2,932 |
| Average earning assets | $194,996,670 | 2,896 |
| Average equity | $20,580,000 | 3,112 |
| Average total loans | $113,658,330 | 3,180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,384 |
| Cost of funding earning assets | 0.4038% | 3,925 |
| Net interest margin | 4.2435% | 1,111 |
| Noninterest income to average assets | 0.3970% | 4,213 |
| Noninterest expense to average assets | 2.1602% | 5,558 |
| Loan and lease loss provision to assets | 0.0578% | 2,960 |
| Net operating income to assets | 2.1275% | 274 |
| Return on assets (ROA) | 2.1275% | 289 |
| Pretax return on assets | 2.1275% | 410 |
| Return on Equity (ROE) | 21.6481% | 214 |
| Retained earnings to average equity (ytd only) | 2.0393% | 4,794 |
| Net charge-offs to loans | 0.0393% | 2,833 |
| Credit loss provision to net charge-offs | 272.7273% | 847 |
| Earnings coverage of net charge-offs (x) | 103.0909% | 443 |
| Efficiency ratio | 49.7118% | 6,271 |
| Assets per employee ($millions) | 4.8213% | 2,487 |
| Cash dividends to net income (ytd only)* | 90.5797% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 1,928 |
| Loan loss allowance to noncurrent loans | 186.1261% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 4,243 |
| Noncurrent loans to loans | 0.9883% | 3,445 |
| Net loans and leases to total assets | 53.1795% | 4,527 |
| Net loans and leases to deposits | 62.5111% | 4,489 |
| Net loans and leases to core deposits | 66.3987% | 4,458 |
| Total domestic deposits to total assets | 85.0720% | 3,835 |
| Equity capital to assets | 9.9260% | 3,932 |
| Core capital (leverage) ratio | 9.3134% | 4,557 |
| Tier 1 risk-based capital ratio | 16.0832% | 3,133 |
| Total risk-based capital ratio | 17.3392% | 3,084 |
| Memoranda: | ||
| Average total assets | $207,572,000 | 2,962 |
| Average earning assets | $193,142,500 | 2,931 |
| Average equity | $20,399,000 | 3,125 |
| Average total loans | $111,945,000 | 3,222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,741 |
| Cost of funding earning assets | 0.4260% | 4,368 |
| Net interest margin | 4.2155% | 1,311 |
| Noninterest income to average assets | 0.7023% | 2,528 |
| Noninterest expense to average assets | 2.2436% | 5,520 |
| Loan and lease loss provision to assets | 0.0307% | 4,498 |
| Net operating income to assets | 2.3762% | 195 |
| Return on assets (ROA) | 2.3762% | 199 |
| Pretax return on assets | 2.3762% | 238 |
| Return on Equity (ROE) | 23.9133% | 150 |
| Retained earnings to average equity (ytd only) | 4.5255% | 2,952 |
| Net charge-offs to loans | -0.0686% | 6,403 |
| Credit loss provision to net charge-offs | -87.5000% | 5,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9706% | 6,493 |
| Assets per employee ($millions) | 4.8332% | 2,400 |
| Cash dividends to net income (ytd only)* | 81.0755% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 1,960 |
| Loan loss allowance to noncurrent loans | 310.6222% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 5,025 |
| Noncurrent loans to loans | 0.5906% | 4,507 |
| Net loans and leases to total assets | 52.7010% | 4,761 |
| Net loans and leases to deposits | 63.2528% | 4,587 |
| Net loans and leases to core deposits | 67.4845% | 4,564 |
| Total domestic deposits to total assets | 83.3180% | 4,422 |
| Equity capital to assets | 9.7292% | 4,135 |
| Core capital (leverage) ratio | 9.3805% | 4,434 |
| Tier 1 risk-based capital ratio | 16.0823% | 3,061 |
| Total risk-based capital ratio | 17.3383% | 3,016 |
| Memoranda: | ||
| Average total assets | $205,031,600 | 2,973 |
| Average earning assets | $192,027,800 | 2,931 |
| Average equity | $20,373,600 | 3,115 |
| Average total loans | $104,963,600 | 3,344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,750 |
| Cost of funding earning assets | 0.4242% | 4,564 |
| Net interest margin | 4.2248% | 1,269 |
| Noninterest income to average assets | 0.6617% | 2,816 |
| Noninterest expense to average assets | 2.1964% | 5,613 |
| Loan and lease loss provision to assets | 0.0411% | 4,182 |
| Net operating income to assets | 2.3882% | 195 |
| Return on assets (ROA) | 2.3882% | 207 |
| Pretax return on assets | 2.3882% | 279 |
| Return on Equity (ROE) | 23.9069% | 143 |
| Retained earnings to average equity (ytd only) | 4.3111% | 3,613 |
| Net charge-offs to loans | -0.0968% | 6,488 |
| Credit loss provision to net charge-offs | -84.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1435% | 6,545 |
| Assets per employee ($millions) | 4.7577% | 2,494 |
| Cash dividends to net income (ytd only)* | 81.9672% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 1,911 |
| Loan loss allowance to noncurrent loans | 233.4852% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 4,592 |
| Noncurrent loans to loans | 0.8271% | 4,180 |
| Net loans and leases to total assets | 50.8855% | 5,019 |
| Net loans and leases to deposits | 59.2578% | 5,064 |
| Net loans and leases to core deposits | 63.3963% | 4,963 |
| Total domestic deposits to total assets | 85.8713% | 3,334 |
| Equity capital to assets | 9.7227% | 4,279 |
| Core capital (leverage) ratio | 9.2568% | 4,746 |
| Tier 1 risk-based capital ratio | 16.8396% | 2,777 |
| Total risk-based capital ratio | 18.0966% | 2,734 |
| Memoranda: | ||
| Average total assets | $204,332,250 | 3,000 |
| Average earning assets | $191,720,000 | 2,954 |
| Average equity | $20,412,000 | 3,146 |
| Average total loans | $103,310,750 | 3,400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,683 |
| Cost of funding earning assets | 0.4210% | 4,746 |
| Net interest margin | 4.2357% | 1,184 |
| Noninterest income to average assets | 0.5288% | 3,641 |
| Noninterest expense to average assets | 2.2071% | 5,613 |
| Loan and lease loss provision to assets | 0.0617% | 3,776 |
| Net operating income to assets | 2.2306% | 244 |
| Return on assets (ROA) | 2.2306% | 261 |
| Pretax return on assets | 2.2306% | 396 |
| Return on Equity (ROE) | 22.1319% | 200 |
| Retained earnings to average equity (ytd only) | 3.6725% | 3,974 |
| Net charge-offs to loans | 0.0469% | 4,020 |
| Credit loss provision to net charge-offs | 262.5000% | 959 |
| Earnings coverage of net charge-offs (x) | 97.5417% | 473 |
| Efficiency ratio | 48.7051% | 6,500 |
| Assets per employee ($millions) | 4.7186% | 2,485 |
| Cash dividends to net income (ytd only)* | 83.4065% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 2,156 |
| Loan loss allowance to noncurrent loans | 190.3415% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 3,935 |
| Noncurrent loans to loans | 0.9903% | 3,956 |
| Net loans and leases to total assets | 50.0527% | 5,103 |
| Net loans and leases to deposits | 58.1796% | 5,146 |
| Net loans and leases to core deposits | 62.5387% | 5,052 |
| Total domestic deposits to total assets | 86.0314% | 3,347 |
| Equity capital to assets | 9.7862% | 4,197 |
| Core capital (leverage) ratio | 9.0275% | 4,943 |
| Tier 1 risk-based capital ratio | 16.8298% | 2,774 |
| Total risk-based capital ratio | 18.0865% | 2,744 |
| Memoranda: | ||
| Average total assets | $204,248,670 | 3,015 |
| Average earning assets | $191,469,000 | 2,970 |
| Average equity | $20,585,670 | 3,144 |
| Average total loans | $102,363,330 | 3,430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 2,237 |
| Cost of funding earning assets | 0.4073% | 5,036 |
| Net interest margin | 4.0726% | 1,551 |
| Noninterest income to average assets | 0.3962% | 4,485 |
| Noninterest expense to average assets | 2.1315% | 5,841 |
| Loan and lease loss provision to assets | 0.0312% | 4,058 |
| Net operating income to assets | 2.0398% | 322 |
| Return on assets (ROA) | 2.0398% | 352 |
| Pretax return on assets | 2.0398% | 554 |
| Return on Equity (ROE) | 19.9518% | 298 |
| Retained earnings to average equity (ytd only) | 1.8138% | 5,086 |
| Net charge-offs to loans | 0.0196% | 3,765 |
| Credit loss provision to net charge-offs | 320.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 212.2000% | 191 |
| Efficiency ratio | 50.3484% | 6,482 |
| Assets per employee ($millions) | 4.8337% | 2,436 |
| Cash dividends to net income (ytd only)* | 90.9091% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 2,306 |
| Loan loss allowance to noncurrent loans | 152.3772% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 3,891 |
| Noncurrent loans to loans | 1.2460% | 3,694 |
| Net loans and leases to total assets | 47.8056% | 5,248 |
| Net loans and leases to deposits | 55.2130% | 5,329 |
| Net loans and leases to core deposits | 58.9533% | 5,250 |
| Total domestic deposits to total assets | 86.5841% | 3,189 |
| Equity capital to assets | 10.0712% | 4,053 |
| Core capital (leverage) ratio | 9.0219% | 4,850 |
| Tier 1 risk-based capital ratio | 15.7986% | 3,375 |
| Total risk-based capital ratio | 17.0541% | 3,330 |
| Memoranda: | ||
| Average total assets | $204,924,000 | 3,036 |
| Average earning assets | $191,525,000 | 2,993 |
| Average equity | $20,950,500 | 3,137 |
| Average total loans | $101,791,500 | 3,467 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 958 |
| Cost of funding earning assets | 0.5389% | 4,918 |
| Net interest margin | 4.7440% | 602 |
| Noninterest income to average assets | 1.3477% | 849 |
| Noninterest expense to average assets | 2.3907% | 5,428 |
| Loan and lease loss provision to assets | 0.4014% | 1,617 |
| Net operating income to assets | 2.9800% | 101 |
| Return on assets (ROA) | 2.9815% | 104 |
| Pretax return on assets | 2.9815% | 148 |
| Return on Equity (ROE) | 29.0521% | 76 |
| Retained earnings to average equity (ytd only) | 8.1954% | 1,061 |
| Net charge-offs to loans | 0.7342% | 1,604 |
| Credit loss provision to net charge-offs | 107.9946% | 2,737 |
| Earnings coverage of net charge-offs (x) | 9.0976% | 2,309 |
| Efficiency ratio | 41.1395% | 6,905 |
| Assets per employee ($millions) | 4.5909% | 2,801 |
| Cash dividends to net income (ytd only)* | 71.7905% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 2,390 |
| Loan loss allowance to noncurrent loans | 210.1099% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 4,449 |
| Noncurrent loans to loans | 0.8896% | 4,395 |
| Net loans and leases to total assets | 49.6955% | 5,209 |
| Net loans and leases to deposits | 57.8375% | 5,255 |
| Net loans and leases to core deposits | 61.8197% | 5,171 |
| Total domestic deposits to total assets | 85.9226% | 3,389 |
| Equity capital to assets | 10.3803% | 3,662 |
| Core capital (leverage) ratio | 9.1175% | 4,712 |
| Tier 1 risk-based capital ratio | 16.2352% | 3,034 |
| Total risk-based capital ratio | 17.4907% | 2,984 |
| Memoranda: | ||
| Average total assets | $198,557,000 | 3,061 |
| Average earning assets | $185,181,200 | 3,026 |
| Average equity | $20,377,200 | 3,154 |
| Average total loans | $100,521,200 | 3,507 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 1,169 |
| Cost of funding earning assets | 0.5702% | 4,909 |
| Net interest margin | 4.6409% | 757 |
| Noninterest income to average assets | 1.3057% | 864 |
| Noninterest expense to average assets | 2.2762% | 5,752 |
| Loan and lease loss provision to assets | 0.3682% | 1,766 |
| Net operating income to assets | 2.9978% | 105 |
| Return on assets (ROA) | 2.9998% | 111 |
| Pretax return on assets | 2.9998% | 155 |
| Return on Equity (ROE) | 29.3162% | 84 |
| Retained earnings to average equity (ytd only) | 9.2140% | 1,148 |
| Net charge-offs to loans | 0.6901% | 1,597 |
| Credit loss provision to net charge-offs | 105.4054% | 2,785 |
| Earnings coverage of net charge-offs (x) | 9.6351% | 2,294 |
| Efficiency ratio | 40.0550% | 7,012 |
| Assets per employee ($millions) | 4.6530% | 2,673 |
| Cash dividends to net income (ytd only)* | 68.5702% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9051% | 2,454 |
| Loan loss allowance to noncurrent loans | 98.0198% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 3,456 |
| Noncurrent loans to loans | 1.9436% | 2,906 |
| Net loans and leases to total assets | 49.5607% | 5,361 |
| Net loans and leases to deposits | 58.7018% | 5,357 |
| Net loans and leases to core deposits | 62.7816% | 5,286 |
| Total domestic deposits to total assets | 84.4279% | 4,017 |
| Equity capital to assets | 10.7979% | 3,502 |
| Core capital (leverage) ratio | 9.1060% | 4,907 |
| Tier 1 risk-based capital ratio | 16.5080% | 2,997 |
| Total risk-based capital ratio | 17.7640% | 2,959 |
| Memoranda: | ||
| Average total assets | $197,696,750 | 3,109 |
| Average earning assets | $184,729,000 | 3,058 |
| Average equity | $20,229,500 | 3,207 |
| Average total loans | $100,077,500 | 3,555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 1,532 |
| Cost of funding earning assets | 0.5839% | 5,036 |
| Net interest margin | 4.5043% | 987 |
| Noninterest income to average assets | 1.6084% | 574 |
| Noninterest expense to average assets | 2.4338% | 5,349 |
| Loan and lease loss provision to assets | 0.5382% | 1,149 |
| Net operating income to assets | 2.8420% | 117 |
| Return on assets (ROA) | 2.8450% | 123 |
| Pretax return on assets | 2.8450% | 186 |
| Return on Equity (ROE) | 28.3168% | 98 |
| Retained earnings to average equity (ytd only) | 13.7722% | 365 |
| Net charge-offs to loans | 1.0206% | 1,080 |
| Credit loss provision to net charge-offs | 104.0936% | 2,620 |
| Earnings coverage of net charge-offs (x) | 6.5380% | 2,621 |
| Efficiency ratio | 41.5843% | 7,031 |
| Assets per employee ($millions) | 4.5116% | 2,884 |
| Cash dividends to net income (ytd only)* | 51.3638% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,511 |
| Loan loss allowance to noncurrent loans | 80.4983% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.6478% | 3,252 |
| Noncurrent loans to loans | 2.3760% | 2,528 |
| Net loans and leases to total assets | 48.4129% | 5,571 |
| Net loans and leases to deposits | 57.0346% | 5,546 |
| Net loans and leases to core deposits | 61.1877% | 5,475 |
| Total domestic deposits to total assets | 84.8835% | 3,906 |
| Equity capital to assets | 10.4009% | 3,813 |
| Core capital (leverage) ratio | 8.9759% | 4,947 |
| Tier 1 risk-based capital ratio | 16.5001% | 2,916 |
| Total risk-based capital ratio | 17.7559% | 2,874 |
| Memoranda: | ||
| Average total assets | $198,453,330 | 3,098 |
| Average earning assets | $185,291,000 | 3,054 |
| Average equity | $19,938,670 | 3,227 |
| Average total loans | $100,524,670 | 3,556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 1,537 |
| Cost of funding earning assets | 0.6171% | 4,989 |
| Net interest margin | 4.4966% | 1,015 |
| Noninterest income to average assets | 1.4635% | 678 |
| Noninterest expense to average assets | 2.4997% | 5,152 |
| Loan and lease loss provision to assets | 0.2097% | 2,851 |
| Net operating income to assets | 2.9553% | 110 |
| Return on assets (ROA) | 2.9613% | 132 |
| Pretax return on assets | 2.9613% | 192 |
| Return on Equity (ROE) | 30.0033% | 104 |
| Retained earnings to average equity (ytd only) | 20.8124% | 166 |
| Net charge-offs to loans | 0.3340% | 2,320 |
| Credit loss provision to net charge-offs | 122.3529% | 1,952 |
| Earnings coverage of net charge-offs (x) | 18.4706% | 1,264 |
| Efficiency ratio | 43.8434% | 6,998 |
| Assets per employee ($millions) | 4.6443% | 2,743 |
| Cash dividends to net income (ytd only)* | 30.6331% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 2,655 |
| Loan loss allowance to noncurrent loans | 108.3961% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 3,875 |
| Noncurrent loans to loans | 1.7596% | 3,472 |
| Net loans and leases to total assets | 48.2091% | 5,529 |
| Net loans and leases to deposits | 55.7546% | 5,633 |
| Net loans and leases to core deposits | 59.8440% | 5,545 |
| Total domestic deposits to total assets | 86.4667% | 3,266 |
| Equity capital to assets | 10.0407% | 4,078 |
| Core capital (leverage) ratio | 8.6396% | 5,395 |
| Tier 1 risk-based capital ratio | 16.1958% | 3,074 |
| Total risk-based capital ratio | 17.4522% | 3,028 |
| Memoranda: | ||
| Average total assets | $198,424,500 | 3,126 |
| Average earning assets | $185,385,500 | 3,076 |
| Average equity | $19,584,500 | 3,278 |
| Average total loans | $101,797,500 | 3,548 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 2,536 |
| Cost of funding earning assets | 0.7961% | 4,897 |
| Net interest margin | 4.2823% | 1,762 |
| Noninterest income to average assets | 1.7112% | 484 |
| Noninterest expense to average assets | 2.7304% | 4,617 |
| Loan and lease loss provision to assets | 0.5324% | 1,970 |
| Net operating income to assets | 2.4486% | 143 |
| Return on assets (ROA) | 2.4730% | 145 |
| Pretax return on assets | 2.4730% | 214 |
| Return on Equity (ROE) | 25.5889% | 93 |
| Retained earnings to average equity (ytd only) | 12.6880% | 251 |
| Net charge-offs to loans | 0.4853% | 3,056 |
| Credit loss provision to net charge-offs | 199.5327% | 1,259 |
| Earnings coverage of net charge-offs (x) | 11.1729% | 1,747 |
| Efficiency ratio | 47.2277% | 6,984 |
| Assets per employee ($millions) | 4.8083% | 2,441 |
| Cash dividends to net income (ytd only)* | 50.4159% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,995 |
| Loan loss allowance to noncurrent loans | 73.7659% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6810% | 3,429 |
| Noncurrent loans to loans | 2.3823% | 2,746 |
| Net loans and leases to total assets | 52.5474% | 5,228 |
| Net loans and leases to deposits | 60.9826% | 5,368 |
| Net loans and leases to core deposits | 65.9618% | 5,256 |
| Total domestic deposits to total assets | 86.1678% | 3,217 |
| Equity capital to assets | 9.6971% | 4,601 |
| Core capital (leverage) ratio | 8.3472% | 5,782 |
| Tier 1 risk-based capital ratio | 14.7340% | 3,804 |
| Total risk-based capital ratio | 15.9891% | 3,775 |
| Memoranda: | ||
| Average total assets | $160,415,200 | 3,624 |
| Average earning assets | $149,851,000 | 3,579 |
| Average equity | $15,502,800 | 3,819 |
| Average total loans | $88,189,200 | 3,905 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 3,626 |
| Cost of funding earning assets | 0.8188% | 5,019 |
| Net interest margin | 4.0656% | 2,619 |
| Noninterest income to average assets | 2.0418% | 366 |
| Noninterest expense to average assets | 2.6907% | 4,764 |
| Loan and lease loss provision to assets | 0.4911% | 2,022 |
| Net operating income to assets | 2.6598% | 119 |
| Return on assets (ROA) | 2.6942% | 119 |
| Pretax return on assets | 2.6942% | 181 |
| Return on Equity (ROE) | 27.9094% | 79 |
| Retained earnings to average equity (ytd only) | 18.7767% | 98 |
| Net charge-offs to loans | 0.1303% | 4,744 |
| Credit loss provision to net charge-offs | 679.2683% | 399 |
| Earnings coverage of net charge-offs (x) | 43.5856% | 730 |
| Efficiency ratio | 45.3818% | 7,087 |
| Assets per employee ($millions) | 4.9037% | 2,316 |
| Cash dividends to net income (ytd only)* | 32.7226% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 3,205 |
| Loan loss allowance to noncurrent loans | 59.5305% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.2358% | 2,855 |
| Noncurrent loans to loans | 2.8872% | 2,420 |
| Net loans and leases to total assets | 54.0957% | 5,148 |
| Net loans and leases to deposits | 62.7749% | 5,319 |
| Net loans and leases to core deposits | 67.5885% | 5,225 |
| Total domestic deposits to total assets | 86.1742% | 3,109 |
| Equity capital to assets | 9.6140% | 4,914 |
| Core capital (leverage) ratio | 8.2954% | 5,981 |
| Tier 1 risk-based capital ratio | 14.1543% | 4,230 |
| Total risk-based capital ratio | 15.4087% | 4,204 |
| Memoranda: | ||
| Average total assets | $151,233,500 | 3,803 |
| Average earning assets | $141,346,500 | 3,739 |
| Average equity | $14,599,250 | 4,001 |
| Average total loans | $83,875,000 | 4,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 4,884 |
| Cost of funding earning assets | 0.8019% | 5,352 |
| Net interest margin | 3.8190% | 3,695 |
| Noninterest income to average assets | 0.2288% | 6,026 |
| Noninterest expense to average assets | 2.3324% | 6,046 |
| Loan and lease loss provision to assets | 0.0297% | 5,936 |
| Net operating income to assets | 1.4395% | 999 |
| Return on assets (ROA) | 1.4395% | 1,059 |
| Pretax return on assets | 1.4395% | 1,695 |
| Return on Equity (ROE) | 14.8817% | 823 |
| Retained earnings to average equity (ytd only) | 14.8817% | 259 |
| Net charge-offs to loans | -0.0027% | 6,539 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0234% | 5,871 |
| Assets per employee ($millions) | 4.8298% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 2,565 |
| Loan loss allowance to noncurrent loans | 310.7296% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 6,224 |
| Noncurrent loans to loans | 0.6219% | 5,680 |
| Net loans and leases to total assets | 52.4646% | 5,504 |
| Net loans and leases to deposits | 61.5063% | 5,559 |
| Net loans and leases to core deposits | 65.0652% | 5,605 |
| Total domestic deposits to total assets | 85.2996% | 3,726 |
| Equity capital to assets | 9.8391% | 4,345 |
| Core capital (leverage) ratio | 8.4539% | 5,625 |
| Tier 1 risk-based capital ratio | 14.7815% | 3,624 |
| Total risk-based capital ratio | 16.0385% | 3,590 |
| Memoranda: | ||
| Average total assets | $134,627,670 | 4,131 |
| Average earning assets | $125,950,330 | 4,073 |
| Average equity | $13,022,670 | 4,341 |
| Average total loans | $74,946,000 | 4,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 4,648 |
| Cost of funding earning assets | 0.8708% | 5,127 |
| Net interest margin | 3.7983% | 3,632 |
| Noninterest income to average assets | 0.2941% | 5,563 |
| Noninterest expense to average assets | 2.2773% | 6,247 |
| Loan and lease loss provision to assets | 0.0243% | 5,659 |
| Net operating income to assets | 1.5374% | 805 |
| Return on assets (ROA) | 1.5374% | 847 |
| Pretax return on assets | 1.5374% | 1,337 |
| Return on Equity (ROE) | 16.0399% | 670 |
| Retained earnings to average equity (ytd only) | 16.0399% | 319 |
| Net charge-offs to loans | 0.0107% | 4,940 |
| Credit loss provision to net charge-offs | 400.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 257.5000% | 118 |
| Efficiency ratio | 57.9779% | 6,274 |
| Assets per employee ($millions) | 4.8688% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,549 |
| Loan loss allowance to noncurrent loans | 403.6620% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 5,858 |
| Noncurrent loans to loans | 0.4825% | 6,052 |
| Net loans and leases to total assets | 52.9151% | 5,465 |
| Net loans and leases to deposits | 61.9382% | 5,503 |
| Net loans and leases to core deposits | 66.0644% | 5,500 |
| Total domestic deposits to total assets | 85.4320% | 3,820 |
| Equity capital to assets | 9.5022% | 4,433 |
| Core capital (leverage) ratio | 8.4218% | 5,590 |
| Tier 1 risk-based capital ratio | 14.7845% | 3,553 |
| Total risk-based capital ratio | 16.0429% | 3,516 |
| Memoranda: | ||
| Average total assets | $131,909,500 | 4,214 |
| Average earning assets | $123,106,500 | 4,158 |
| Average equity | $12,643,500 | 4,411 |
| Average total loans | $74,953,000 | 4,424 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 3,229 |
| Cost of funding earning assets | 1.1194% | 5,028 |
| Net interest margin | 4.1577% | 2,331 |
| Noninterest income to average assets | 0.3445% | 5,333 |
| Noninterest expense to average assets | 2.5389% | 5,652 |
| Loan and lease loss provision to assets | 0.3840% | 3,814 |
| Net operating income to assets | 1.2691% | 1,251 |
| Return on assets (ROA) | 1.2740% | 1,303 |
| Pretax return on assets | 1.2740% | 2,003 |
| Return on Equity (ROE) | 12.9916% | 1,086 |
| Retained earnings to average equity (ytd only) | 9.6303% | 582 |
| Net charge-offs to loans | 0.1604% | 5,381 |
| Credit loss provision to net charge-offs | 381.9672% | 652 |
| Earnings coverage of net charge-offs (x) | 16.4426% | 1,208 |
| Efficiency ratio | 59.2294% | 6,156 |
| Assets per employee ($millions) | 4.5533% | 2,780 |
| Cash dividends to net income (ytd only)* | 25.8732% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 2,641 |
| Loan loss allowance to noncurrent loans | 321.3964% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 5,955 |
| Noncurrent loans to loans | 0.5816% | 5,887 |
| Net loans and leases to total assets | 58.7554% | 4,909 |
| Net loans and leases to deposits | 69.4856% | 4,883 |
| Net loans and leases to core deposits | 74.3617% | 4,935 |
| Total domestic deposits to total assets | 84.5576% | 4,078 |
| Equity capital to assets | 9.6735% | 4,179 |
| Core capital (leverage) ratio | 8.4215% | 5,495 |
| Tier 1 risk-based capital ratio | 13.0555% | 4,559 |
| Total risk-based capital ratio | 14.3119% | 4,515 |
| Memoranda: | ||
| Average total assets | $121,349,400 | 4,457 |
| Average earning assets | $112,296,800 | 4,416 |
| Average equity | $11,900,000 | 4,637 |
| Average total loans | $76,048,600 | 4,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 3,399 |
| Cost of funding earning assets | 1.1454% | 5,176 |
| Net interest margin | 4.1433% | 2,435 |
| Noninterest income to average assets | 0.3439% | 5,421 |
| Noninterest expense to average assets | 2.5439% | 5,549 |
| Loan and lease loss provision to assets | 0.4117% | 3,435 |
| Net operating income to assets | 1.2163% | 1,546 |
| Return on assets (ROA) | 1.2630% | 1,513 |
| Pretax return on assets | 1.2630% | 2,287 |
| Return on Equity (ROE) | 12.8335% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.3107% | 1,310 |
| Net charge-offs to loans | 0.0825% | 5,704 |
| Credit loss provision to net charge-offs | 787.2340% | 377 |
| Earnings coverage of net charge-offs (x) | 31.1253% | 857 |
| Efficiency ratio | 59.6159% | 6,011 |
| Assets per employee ($millions) | 4.3675% | 3,132 |
| Cash dividends to net income (ytd only)* | 35.2422% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 2,862 |
| Loan loss allowance to noncurrent loans | 209.5380% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 5,559 |
| Noncurrent loans to loans | 0.8480% | 5,526 |
| Net loans and leases to total assets | 63.5538% | 4,210 |
| Net loans and leases to deposits | 77.2726% | 3,963 |
| Net loans and leases to core deposits | 83.9336% | 3,947 |
| Total domestic deposits to total assets | 82.2463% | 4,892 |
| Equity capital to assets | 10.0458% | 4,100 |
| Core capital (leverage) ratio | 8.3953% | 5,706 |
| Tier 1 risk-based capital ratio | 12.3311% | 5,142 |
| Total risk-based capital ratio | 13.5866% | 5,109 |
| Memoranda: | ||
| Average total assets | $119,813,500 | 4,546 |
| Average earning assets | $110,697,000 | 4,518 |
| Average equity | $11,791,750 | 4,741 |
| Average total loans | $75,976,750 | 4,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 3,653 |
| Cost of funding earning assets | 1.1786% | 5,245 |
| Net interest margin | 4.0813% | 2,647 |
| Noninterest income to average assets | 0.3345% | 5,473 |
| Noninterest expense to average assets | 2.5851% | 5,379 |
| Loan and lease loss provision to assets | 0.4068% | 3,280 |
| Net operating income to assets | 1.1026% | 1,844 |
| Return on assets (ROA) | 1.1732% | 1,699 |
| Pretax return on assets | 1.1732% | 2,501 |
| Return on Equity (ROE) | 12.0062% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.0062% | 492 |
| Net charge-offs to loans | 0.2135% | 4,328 |
| Credit loss provision to net charge-offs | 302.5000% | 1,209 |
| Earnings coverage of net charge-offs (x) | 11.2250% | 1,789 |
| Efficiency ratio | 61.7406% | 5,731 |
| Assets per employee ($millions) | 4.1425% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 3,222 |
| Loan loss allowance to noncurrent loans | 81.9079% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 4,334 |
| Noncurrent loans to loans | 2.0267% | 3,683 |
| Net loans and leases to total assets | 61.3933% | 4,801 |
| Net loans and leases to deposits | 70.8707% | 5,154 |
| Net loans and leases to core deposits | 75.7443% | 5,221 |
| Total domestic deposits to total assets | 86.6272% | 2,740 |
| Equity capital to assets | 10.0273% | 3,987 |
| Core capital (leverage) ratio | 8.3650% | 5,641 |
| Tier 1 risk-based capital ratio | 12.9413% | 4,499 |
| Total risk-based capital ratio | 14.1963% | 4,447 |
| Memoranda: | ||
| Average total assets | $118,988,000 | 4,596 |
| Average earning assets | $109,622,000 | 4,566 |
| Average equity | $11,627,330 | 4,774 |
| Average total loans | $74,927,000 | 4,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 3,755 |
| Cost of funding earning assets | 1.2329% | 5,217 |
| Net interest margin | 4.0225% | 2,779 |
| Noninterest income to average assets | 0.2601% | 6,068 |
| Noninterest expense to average assets | 2.5267% | 5,628 |
| Loan and lease loss provision to assets | 0.2973% | 3,660 |
| Net operating income to assets | 1.1282% | 1,745 |
| Return on assets (ROA) | 1.1282% | 1,818 |
| Pretax return on assets | 1.1282% | 2,636 |
| Return on Equity (ROE) | 11.7008% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.7008% | 796 |
| Net charge-offs to loans | 0.0908% | 4,508 |
| Credit loss provision to net charge-offs | 517.6471% | 813 |
| Earnings coverage of net charge-offs (x) | 24.8235% | 1,000 |
| Efficiency ratio | 62.4786% | 5,737 |
| Assets per employee ($millions) | 4.2735% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 3,531 |
| Loan loss allowance to noncurrent loans | 43.8950% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 2.4813% | 2,923 |
| Noncurrent loans to loans | 3.5982% | 2,216 |
| Net loans and leases to total assets | 60.0976% | 5,106 |
| Net loans and leases to deposits | 69.0894% | 5,462 |
| Net loans and leases to core deposits | 73.5264% | 5,542 |
| Total domestic deposits to total assets | 86.9853% | 2,634 |
| Equity capital to assets | 9.7103% | 4,216 |
| Core capital (leverage) ratio | 8.3457% | 5,651 |
| Tier 1 risk-based capital ratio | 12.5515% | 4,694 |
| Total risk-based capital ratio | 13.8063% | 4,656 |
| Memoranda: | ||
| Average total assets | $118,416,000 | 4,670 |
| Average earning assets | $108,687,500 | 4,642 |
| Average equity | $11,418,000 | 4,863 |
| Average total loans | $74,891,500 | 4,683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 3,291 |
| Cost of funding earning assets | 1.5640% | 5,210 |
| Net interest margin | 4.0964% | 2,464 |
| Noninterest income to average assets | 0.3791% | 5,381 |
| Noninterest expense to average assets | 2.6803% | 5,484 |
| Loan and lease loss provision to assets | 0.4000% | 4,413 |
| Net operating income to assets | 1.0641% | 1,609 |
| Return on assets (ROA) | 1.0985% | 1,551 |
| Pretax return on assets | 1.0804% | 2,302 |
| Return on Equity (ROE) | 11.3916% | 1,323 |
| Retained earnings to average equity (ytd only) | 8.2012% | 648 |
| Net charge-offs to loans | 0.5531% | 3,572 |
| Credit loss provision to net charge-offs | 107.8049% | 5,138 |
| Earnings coverage of net charge-offs (x) | 3.8976% | 3,148 |
| Efficiency ratio | 63.4649% | 5,878 |
| Assets per employee ($millions) | 4.3398% | 3,210 |
| Cash dividends to net income (ytd only)* | 28.0066% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,168 |
| Loan loss allowance to noncurrent loans | 40.3352% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.5961% | 2,702 |
| Noncurrent loans to loans | 3.4998% | 2,170 |
| Net loans and leases to total assets | 64.5488% | 4,485 |
| Net loans and leases to deposits | 74.8839% | 4,896 |
| Net loans and leases to core deposits | 97.1847% | 4,327 |
| Total domestic deposits to total assets | 86.1984% | 2,907 |
| Equity capital to assets | 9.5729% | 4,317 |
| Core capital (leverage) ratio | 8.1252% | 5,948 |
| Tier 1 risk-based capital ratio | 11.4628% | 5,440 |
| Total risk-based capital ratio | 12.7141% | 5,395 |
| Memoranda: | ||
| Average total assets | $110,511,400 | 4,809 |
| Average earning assets | $101,089,800 | 4,807 |
| Average equity | $10,657,000 | 5,115 |
| Average total loans | $74,125,000 | 4,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6800% | 3,435 |
| Cost of funding earning assets | 1.6047% | 5,379 |
| Net interest margin | 4.0753% | 2,495 |
| Noninterest income to average assets | 0.3859% | 5,427 |
| Noninterest expense to average assets | 2.7231% | 5,232 |
| Loan and lease loss provision to assets | 0.3356% | 4,325 |
| Net operating income to assets | 1.0878% | 1,776 |
| Return on assets (ROA) | 1.1343% | 1,696 |
| Pretax return on assets | 1.1098% | 2,535 |
| Return on Equity (ROE) | 11.7395% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.7395% | 376 |
| Net charge-offs to loans | 0.5952% | 2,892 |
| Credit loss provision to net charge-offs | 83.5366% | 5,662 |
| Earnings coverage of net charge-offs (x) | 3.4817% | 3,513 |
| Efficiency ratio | 64.5468% | 5,651 |
| Assets per employee ($millions) | 4.2065% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,518 |
| Loan loss allowance to noncurrent loans | 38.5985% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 2.7682% | 2,507 |
| Noncurrent loans to loans | 3.3619% | 2,248 |
| Net loans and leases to total assets | 66.7694% | 4,240 |
| Net loans and leases to deposits | 78.0249% | 4,735 |
| Net loans and leases to core deposits | 101.9685% | 4,161 |
| Total domestic deposits to total assets | 85.5744% | 2,932 |
| Equity capital to assets | 9.9915% | 4,097 |
| Core capital (leverage) ratio | 8.2870% | 5,857 |
| Tier 1 risk-based capital ratio | 11.6223% | 5,314 |
| Total risk-based capital ratio | 12.8673% | 5,262 |
| Memoranda: | ||
| Average total assets | $108,845,500 | 4,885 |
| Average earning assets | $99,785,750 | 4,870 |
| Average equity | $10,517,000 | 5,194 |
| Average total loans | $73,476,750 | 4,792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 4,002 |
| Cost of funding earning assets | 1.6420% | 5,548 |
| Net interest margin | 3.9715% | 2,823 |
| Noninterest income to average assets | 0.3375% | 5,815 |
| Noninterest expense to average assets | 2.7445% | 5,201 |
| Loan and lease loss provision to assets | 0.2442% | 4,627 |
| Net operating income to assets | 1.0161% | 2,052 |
| Return on assets (ROA) | 1.0870% | 1,896 |
| Pretax return on assets | 1.0497% | 2,809 |
| Return on Equity (ROE) | 11.3867% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.3867% | 511 |
| Net charge-offs to loans | 0.6717% | 2,361 |
| Credit loss provision to net charge-offs | 53.9095% | 5,699 |
| Earnings coverage of net charge-offs (x) | 2.6996% | 3,731 |
| Efficiency ratio | 67.5752% | 5,235 |
| Assets per employee ($millions) | 3.9812% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 4,479 |
| Loan loss allowance to noncurrent loans | 44.2507% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 2,800 |
| Noncurrent loans to loans | 2.8657% | 2,516 |
| Net loans and leases to total assets | 63.3228% | 5,118 |
| Net loans and leases to deposits | 72.4091% | 5,683 |
| Net loans and leases to core deposits | 92.1907% | 5,329 |
| Total domestic deposits to total assets | 87.4515% | 2,031 |
| Equity capital to assets | 9.0424% | 5,252 |
| Core capital (leverage) ratio | 8.0173% | 6,299 |
| Tier 1 risk-based capital ratio | 11.4358% | 5,461 |
| Total risk-based capital ratio | 12.6360% | 5,417 |
| Memoranda: | ||
| Average total assets | $107,268,670 | 4,957 |
| Average earning assets | $98,049,330 | 4,951 |
| Average equity | $10,240,000 | 5,295 |
| Average total loans | $72,358,670 | 4,869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7816% | 3,397 |
| Cost of funding earning assets | 1.6799% | 5,696 |
| Net interest margin | 4.1017% | 2,257 |
| Noninterest income to average assets | 0.3295% | 5,807 |
| Noninterest expense to average assets | 2.7138% | 4,934 |
| Loan and lease loss provision to assets | 0.2326% | 4,126 |
| Net operating income to assets | 1.1902% | 1,685 |
| Return on assets (ROA) | 1.3375% | 1,393 |
| Pretax return on assets | 1.2600% | 2,411 |
| Return on Equity (ROE) | 13.6095% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.6095% | 552 |
| Net charge-offs to loans | 0.0392% | 4,956 |
| Credit loss provision to net charge-offs | 857.1429% | 708 |
| Earnings coverage of net charge-offs (x) | 49.5714% | 730 |
| Efficiency ratio | 65.2340% | 5,465 |
| Assets per employee ($millions) | 3.9961% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 2,647 |
| Loan loss allowance to noncurrent loans | 229.0456% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 4,779 |
| Noncurrent loans to loans | 0.6855% | 5,692 |
| Net loans and leases to total assets | 64.1491% | 4,960 |
| Net loans and leases to deposits | 73.9961% | 5,478 |
| Net loans and leases to core deposits | 92.1623% | 5,331 |
| Total domestic deposits to total assets | 86.6925% | 2,366 |
| Equity capital to assets | 9.5575% | 4,597 |
| Core capital (leverage) ratio | 8.6373% | 5,276 |
| Tier 1 risk-based capital ratio | 11.7807% | 5,146 |
| Total risk-based capital ratio | 13.0343% | 5,059 |
| Memoranda: | ||
| Average total assets | $103,175,000 | 5,091 |
| Average earning assets | $93,815,000 | 5,093 |
| Average equity | $10,140,000 | 5,339 |
| Average total loans | $71,513,500 | 4,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9023% | 1,389 |
| Cost of funding earning assets | 2.0836% | 6,120 |
| Net interest margin | 4.8186% | 750 |
| Noninterest income to average assets | 0.3934% | 5,526 |
| Noninterest expense to average assets | 3.1203% | 3,615 |
| Loan and lease loss provision to assets | 0.1988% | 4,903 |
| Net operating income to assets | 1.4153% | 1,194 |
| Return on assets (ROA) | 1.4153% | 1,150 |
| Pretax return on assets | 1.4153% | 1,924 |
| Return on Equity (ROE) | 13.9301% | 1,123 |
| Retained earnings to average equity (ytd only) | 5.3658% | 1,827 |
| Net charge-offs to loans | 0.2549% | 3,722 |
| Credit loss provision to net charge-offs | 105.6818% | 5,068 |
| Earnings coverage of net charge-offs (x) | 8.5795% | 2,857 |
| Efficiency ratio | 64.3712% | 5,483 |
| Assets per employee ($millions) | 3.6465% | 4,293 |
| Cash dividends to net income (ytd only)* | 61.4804% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 2,949 |
| Loan loss allowance to noncurrent loans | 160.9495% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 3,755 |
| Noncurrent loans to loans | 0.8981% | 4,830 |
| Net loans and leases to total assets | 72.7828% | 3,419 |
| Net loans and leases to deposits | 84.8066% | 4,287 |
| Net loans and leases to core deposits | 101.4669% | 4,669 |
| Total domestic deposits to total assets | 85.8221% | 2,484 |
| Equity capital to assets | 10.1243% | 3,893 |
| Core capital (leverage) ratio | 8.7614% | 5,096 |
| Tier 1 risk-based capital ratio | 11.1076% | 5,635 |
| Total risk-based capital ratio | 12.3597% | 5,516 |
| Memoranda: | ||
| Average total assets | $93,549,800 | 5,239 |
| Average earning assets | $84,276,800 | 5,295 |
| Average equity | $9,504,600 | 5,570 |
| Average total loans | $69,034,200 | 4,904 |