Home > Southwest Capital Bank > Performance and Condition Ratios
Southwest Capital 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 | 4.6594% | 2,769 |
| Cost of funding earning assets | 0.6330% | 4,027 |
| Net interest margin | 4.0264% | 1,168 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.2444% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5613% | 916 |
| Return on assets (ROA) | 1.5613% | 886 |
| Pretax return on assets | 1.5613% | 1,310 |
| Return on Equity (ROE) | 19.1000% | 700 |
| Retained earnings to average equity (ytd only) | 8.9601% | 1,266 |
| Net charge-offs to loans | -0.0193% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.4719% | 2,175 |
| Assets per employee ($millions) | 4.8401% | 3,745 |
| Cash dividends to net income (ytd only)* | 53.0789% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 326 |
| Loan loss allowance to noncurrent loans | 55.7835% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 212 |
| Noncurrent loans to loans | 3.7490% | 97 |
| Net loans and leases to total assets | 40.3200% | 4,030 |
| Net loans and leases to deposits | 44.3451% | 4,095 |
| Net loans and leases to core deposits | 46.5661% | 4,147 |
| Total domestic deposits to total assets | 90.9300% | 528 |
| Equity capital to assets | 8.5629% | 3,004 |
| Core capital (leverage) ratio | 10.2953% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7467% | 962 |
| Memoranda: | ||
| Average total assets | $429,573,800 | 1,923 |
| Average earning assets | $405,395,000 | 1,893 |
| Average equity | $35,122,200 | 2,051 |
| Average total loans | $175,724,000 | 2,483 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,770 |
| Cost of funding earning assets | 0.5277% | 4,092 |
| Net interest margin | 4.0362% | 1,166 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 3.2596% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7041% | 794 |
| Return on assets (ROA) | 1.7041% | 782 |
| Pretax return on assets | 1.7041% | 1,153 |
| Return on Equity (ROE) | 21.1000% | 628 |
| Retained earnings to average equity (ytd only) | 10.7427% | 1,204 |
| Net charge-offs to loans | -0.1014% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.6277% | 2,316 |
| Assets per employee ($millions) | 5.0808% | 3,546 |
| Cash dividends to net income (ytd only)* | 49.0770% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1651% | 313 |
| Loan loss allowance to noncurrent loans | 55.8398% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 201 |
| Noncurrent loans to loans | 3.8773% | 81 |
| Net loans and leases to total assets | 39.4900% | 4,080 |
| Net loans and leases to deposits | 43.0786% | 4,131 |
| Net loans and leases to core deposits | 45.1848% | 4,147 |
| Total domestic deposits to total assets | 91.6700% | 525 |
| Equity capital to assets | 7.8509% | 3,152 |
| Core capital (leverage) ratio | 10.0375% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7596% | 1,141 |
| Memoranda: | ||
| Average total assets | $428,064,250 | 1,925 |
| Average earning assets | $403,469,750 | 1,900 |
| Average equity | $34,577,500 | 2,062 |
| Average total loans | $174,802,750 | 2,492 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 2,789 |
| Cost of funding earning assets | 0.4345% | 4,108 |
| Net interest margin | 4.0068% | 1,228 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 3.1407% | 853 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.9357% | 523 |
| Return on assets (ROA) | 1.9357% | 522 |
| Pretax return on assets | 1.9357% | 823 |
| Return on Equity (ROE) | 23.7300% | 446 |
| Retained earnings to average equity (ytd only) | 12.9373% | 815 |
| Net charge-offs to loans | -0.0737% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.7994% | 2,739 |
| Assets per employee ($millions) | 4.6414% | 3,868 |
| Cash dividends to net income (ytd only)* | 45.4856% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2874% | 270 |
| Loan loss allowance to noncurrent loans | 51.3496% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 132 |
| Noncurrent loans to loans | 4.4545% | 68 |
| Net loans and leases to total assets | 40.4100% | 4,023 |
| Net loans and leases to deposits | 45.8763% | 4,050 |
| Net loans and leases to core deposits | 47.3912% | 4,096 |
| Total domestic deposits to total assets | 88.0800% | 1,571 |
| Equity capital to assets | 8.2519% | 3,056 |
| Core capital (leverage) ratio | 10.2081% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2967% | 1,066 |
| Memoranda: | ||
| Average total assets | $423,410,000 | 1,939 |
| Average earning assets | $398,118,667 | 1,914 |
| Average equity | $34,535,667 | 2,071 |
| Average total loans | $173,596,000 | 2,496 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,830 |
| Cost of funding earning assets | 0.2023% | 4,373 |
| Net interest margin | 4.0851% | 1,123 |
| Noninterest income to average assets | 1.9900% | 232 |
| Noninterest expense to average assets | 3.0524% | 991 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 2.7589% | 192 |
| Return on assets (ROA) | 2.7589% | 187 |
| Pretax return on assets | 2.7589% | 262 |
| Return on Equity (ROE) | 34.0200% | 174 |
| Retained earnings to average equity (ytd only) | 24.0742% | 206 |
| Net charge-offs to loans | -0.1479% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.4736% | 3,740 |
| Assets per employee ($millions) | 4.8129% | 3,785 |
| Cash dividends to net income (ytd only)* | 29.2408% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 269 |
| Loan loss allowance to noncurrent loans | 50.5768% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.1086% | 108 |
| Noncurrent loans to loans | 4.5965% | 71 |
| Net loans and leases to total assets | 40.0400% | 4,039 |
| Net loans and leases to deposits | 44.5568% | 4,085 |
| Net loans and leases to core deposits | 46.2511% | 4,101 |
| Total domestic deposits to total assets | 89.8500% | 1,213 |
| Equity capital to assets | 8.5040% | 2,888 |
| Core capital (leverage) ratio | 10.1424% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2409% | 1,320 |
| Memoranda: | ||
| Average total assets | $423,933,000 | 1,960 |
| Average earning assets | $397,447,500 | 1,943 |
| Average equity | $34,377,000 | 2,101 |
| Average total loans | $173,066,500 | 2,522 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 3,423 |
| Cost of funding earning assets | 0.0835% | 4,464 |
| Net interest margin | 3.2856% | 2,603 |
| Noninterest income to average assets | 1.2500% | 439 |
| Noninterest expense to average assets | 3.0053% | 961 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3250% | 1,352 |
| Return on assets (ROA) | 1.0989% | 2,114 |
| Pretax return on assets | 1.0989% | 2,775 |
| Return on Equity (ROE) | 13.7900% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.9554% | 2,663 |
| Net charge-offs to loans | -0.1058% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3062% | 1,786 |
| Assets per employee ($millions) | 4.7159% | 3,881 |
| Cash dividends to net income (ytd only)* | 56.8020% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2464% | 291 |
| Loan loss allowance to noncurrent loans | 48.9878% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.2235% | 103 |
| Noncurrent loans to loans | 4.5856% | 65 |
| Net loans and leases to total assets | 39.7500% | 4,076 |
| Net loans and leases to deposits | 43.4451% | 4,136 |
| Net loans and leases to core deposits | 44.9100% | 4,153 |
| Total domestic deposits to total assets | 91.4900% | 783 |
| Equity capital to assets | 7.7238% | 3,237 |
| Core capital (leverage) ratio | 9.5419% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $434,804,400 | 1,908 |
| Average earning assets | $408,360,800 | 1,886 |
| Average equity | $34,657,600 | 2,124 |
| Average total loans | $165,368,000 | 2,502 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1088% | 3,655 |
| Cost of funding earning assets | 0.0874% | 4,369 |
| Net interest margin | 3.0214% | 3,164 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 2.8630% | 1,118 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0603% | 2,251 |
| Return on assets (ROA) | 1.0603% | 2,214 |
| Pretax return on assets | 1.0603% | 2,842 |
| Return on Equity (ROE) | 13.2000% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.1270% | 2,709 |
| Net charge-offs to loans | -0.1316% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8723% | 1,397 |
| Assets per employee ($millions) | 4.9530% | 3,718 |
| Cash dividends to net income (ytd only)* | 53.5889% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3694% | 260 |
| Loan loss allowance to noncurrent loans | 47.6057% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.1991% | 109 |
| Noncurrent loans to loans | 4.9772% | 59 |
| Net loans and leases to total assets | 35.6300% | 4,243 |
| Net loans and leases to deposits | 38.7116% | 4,285 |
| Net loans and leases to core deposits | 40.1358% | 4,273 |
| Total domestic deposits to total assets | 92.0300% | 867 |
| Equity capital to assets | 7.0258% | 3,506 |
| Core capital (leverage) ratio | 9.3848% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $436,219,750 | 1,910 |
| Average earning assets | $410,437,500 | 1,886 |
| Average equity | $35,035,500 | 2,142 |
| Average total loans | $163,084,250 | 2,519 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 3,695 |
| Cost of funding earning assets | 0.0918% | 4,276 |
| Net interest margin | 2.8503% | 3,286 |
| Noninterest income to average assets | 0.9639% | 726 |
| Noninterest expense to average assets | 2.8212% | 1,134 |
| Loan and lease loss provision to assets | 0.0060% | 2,493 |
| Net operating income to assets | 0.8127% | 2,911 |
| Return on assets (ROA) | 0.8127% | 2,880 |
| Pretax return on assets | 0.8127% | 3,288 |
| Return on Equity (ROE) | 9.6962% | 2,453 |
| Retained earnings to average equity (ytd only) | 2.2512% | 3,677 |
| Net charge-offs to loans | -0.1451% | 4,527 |
| Credit loss provision to net charge-offs | -11.0169% | 2,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5061% | 1,128 |
| Assets per employee ($millions) | 4.9593% | 3,713 |
| Cash dividends to net income (ytd only)* | 76.7827% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 302 |
| Loan loss allowance to noncurrent loans | 47.1576% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.4115% | 88 |
| Noncurrent loans to loans | 5.0062% | 61 |
| Net loans and leases to total assets | 36.0663% | 4,248 |
| Net loans and leases to deposits | 39.4266% | 4,287 |
| Net loans and leases to core deposits | 40.9266% | 4,298 |
| Total domestic deposits to total assets | 91.4772% | 1,036 |
| Equity capital to assets | 7.5959% | 3,410 |
| Core capital (leverage) ratio | 9.1698% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,384,000 | 1,930 |
| Average earning assets | $405,013,667 | 1,922 |
| Average equity | $36,158,333 | 2,152 |
| Average total loans | $162,622,333 | 2,529 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 3,516 |
| Cost of funding earning assets | 0.0950% | 4,196 |
| Net interest margin | 2.8123% | 3,100 |
| Noninterest income to average assets | 0.8800% | 868 |
| Noninterest expense to average assets | 2.7506% | 1,257 |
| Loan and lease loss provision to assets | 0.0066% | 2,190 |
| Net operating income to assets | 0.7599% | 2,811 |
| Return on assets (ROA) | 0.7599% | 2,805 |
| Pretax return on assets | 0.7599% | 3,226 |
| Return on Equity (ROE) | 8.6460% | 2,457 |
| Retained earnings to average equity (ytd only) | -0.5337% | 4,084 |
| Net charge-offs to loans | -0.1355% | 4,527 |
| Credit loss provision to net charge-offs | -12.7273% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2075% | 1,296 |
| Assets per employee ($millions) | 5.0589% | 3,704 |
| Cash dividends to net income (ytd only)* | 106.1728% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 379 |
| Loan loss allowance to noncurrent loans | 44.0868% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 2.5120% | 95 |
| Noncurrent loans to loans | 5.1917% | 65 |
| Net loans and leases to total assets | 36.6639% | 4,171 |
| Net loans and leases to deposits | 40.3098% | 4,231 |
| Net loans and leases to core deposits | 42.5519% | 4,216 |
| Total domestic deposits to total assets | 90.9554% | 1,057 |
| Equity capital to assets | 8.1101% | 3,486 |
| Core capital (leverage) ratio | 9.2493% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,385,500 | 1,958 |
| Average earning assets | $399,811,000 | 1,958 |
| Average equity | $37,474,000 | 2,155 |
| Average total loans | $162,414,000 | 2,526 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 3,678 |
| Cost of funding earning assets | 0.1476% | 4,002 |
| Net interest margin | 2.9559% | 3,301 |
| Noninterest income to average assets | 0.6797% | 1,838 |
| Noninterest expense to average assets | 2.3784% | 2,560 |
| Loan and lease loss provision to assets | 0.0395% | 2,251 |
| Net operating income to assets | 1.0010% | 2,660 |
| Return on assets (ROA) | 1.0809% | 2,436 |
| Pretax return on assets | 1.0809% | 3,031 |
| Return on Equity (ROE) | 11.4688% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.1518% | 1,152 |
| Net charge-offs to loans | 0.0782% | 1,014 |
| Credit loss provision to net charge-offs | 119.5489% | 1,650 |
| Earnings coverage of net charge-offs (x) | 31.4586% | 1,576 |
| Efficiency ratio | 69.5643% | 1,789 |
| Assets per employee ($millions) | 4.7430% | 3,932 |
| Cash dividends to net income (ytd only)* | 20.2025% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 367 |
| Loan loss allowance to noncurrent loans | 40.8681% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 3.0188% | 69 |
| Noncurrent loans to loans | 5.6989% | 54 |
| Net loans and leases to total assets | 37.7956% | 4,204 |
| Net loans and leases to deposits | 42.2344% | 4,266 |
| Net loans and leases to core deposits | 44.3473% | 4,254 |
| Total domestic deposits to total assets | 89.4902% | 1,245 |
| Equity capital to assets | 9.5126% | 3,137 |
| Core capital (leverage) ratio | 9.8547% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,083,800 | 1,981 |
| Average earning assets | $372,610,600 | 1,994 |
| Average equity | $37,894,200 | 2,156 |
| Average total loans | $170,168,200 | 2,464 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1690% | 3,663 |
| Cost of funding earning assets | 0.1599% | 4,016 |
| Net interest margin | 3.0091% | 3,277 |
| Noninterest income to average assets | 0.6242% | 2,120 |
| Noninterest expense to average assets | 2.3749% | 2,518 |
| Loan and lease loss provision to assets | 0.0511% | 1,973 |
| Net operating income to assets | 0.9810% | 2,982 |
| Return on assets (ROA) | 1.0865% | 2,659 |
| Pretax return on assets | 1.0865% | 3,227 |
| Return on Equity (ROE) | 11.5562% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.4912% | 1,176 |
| Net charge-offs to loans | 0.4398% | 174 |
| Credit loss provision to net charge-offs | 26.8421% | 1,966 |
| Earnings coverage of net charge-offs (x) | 5.4246% | 2,226 |
| Efficiency ratio | 69.7071% | 1,632 |
| Assets per employee ($millions) | 4.8679% | 3,828 |
| Cash dividends to net income (ytd only)* | 9.2166% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 544 |
| Loan loss allowance to noncurrent loans | 33.3741% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 3.1829% | 72 |
| Noncurrent loans to loans | 6.2615% | 54 |
| Net loans and leases to total assets | 37.0845% | 4,336 |
| Net loans and leases to deposits | 41.4860% | 4,397 |
| Net loans and leases to core deposits | 43.8472% | 4,387 |
| Total domestic deposits to total assets | 89.3905% | 1,079 |
| Equity capital to assets | 9.5913% | 3,296 |
| Core capital (leverage) ratio | 9.6227% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,444,000 | 2,009 |
| Average earning assets | $369,405,750 | 2,027 |
| Average equity | $37,554,500 | 2,197 |
| Average total loans | $172,790,250 | 2,482 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2700% | 3,508 |
| Cost of funding earning assets | 0.1795% | 3,954 |
| Net interest margin | 3.0905% | 3,062 |
| Noninterest income to average assets | 0.5108% | 2,581 |
| Noninterest expense to average assets | 2.4643% | 2,257 |
| Loan and lease loss provision to assets | 0.0324% | 2,334 |
| Net operating income to assets | 0.8666% | 3,313 |
| Return on assets (ROA) | 0.8964% | 3,312 |
| Pretax return on assets | 0.8964% | 3,672 |
| Return on Equity (ROE) | 9.6026% | 2,908 |
| Retained earnings to average equity (ytd only) | 9.6026% | 1,525 |
| Net charge-offs to loans | -0.0101% | 3,672 |
| Credit loss provision to net charge-offs | -711.1111% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2711% | 1,306 |
| Assets per employee ($millions) | 4.8810% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2745% | 383 |
| Loan loss allowance to noncurrent loans | 35.8162% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 3.5576% | 69 |
| Noncurrent loans to loans | 6.3504% | 53 |
| Net loans and leases to total assets | 38.9913% | 4,331 |
| Net loans and leases to deposits | 43.4610% | 4,403 |
| Net loans and leases to core deposits | 46.0028% | 4,396 |
| Total domestic deposits to total assets | 89.7156% | 914 |
| Equity capital to assets | 9.2556% | 3,555 |
| Core capital (leverage) ratio | 9.7705% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,668,333 | 2,023 |
| Average earning assets | $364,282,667 | 2,039 |
| Average equity | $36,844,000 | 2,225 |
| Average total loans | $178,147,000 | 2,447 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 3,007 |
| Cost of funding earning assets | 0.2022% | 3,889 |
| Net interest margin | 3.2694% | 2,481 |
| Noninterest income to average assets | 0.8810% | 1,379 |
| Noninterest expense to average assets | 3.1350% | 794 |
| Loan and lease loss provision to assets | 0.0312% | 2,366 |
| Net operating income to assets | 0.7250% | 3,649 |
| Return on assets (ROA) | 0.8103% | 3,463 |
| Pretax return on assets | 0.8103% | 3,792 |
| Return on Equity (ROE) | 8.6397% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.6397% | 2,053 |
| Net charge-offs to loans | 0.0889% | 748 |
| Credit loss provision to net charge-offs | 73.1707% | 1,235 |
| Earnings coverage of net charge-offs (x) | 17.7317% | 1,293 |
| Efficiency ratio | 80.5667% | 789 |
| Assets per employee ($millions) | 4.4079% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 568 |
| Loan loss allowance to noncurrent loans | 39.1096% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 3.7022% | 71 |
| Noncurrent loans to loans | 5.1797% | 73 |
| Net loans and leases to total assets | 44.8755% | 4,045 |
| Net loans and leases to deposits | 49.8646% | 4,165 |
| Net loans and leases to core deposits | 53.0140% | 4,145 |
| Total domestic deposits to total assets | 89.9948% | 823 |
| Equity capital to assets | 8.8963% | 3,788 |
| Core capital (leverage) ratio | 10.3105% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,561,500 | 2,047 |
| Average earning assets | $354,068,000 | 2,062 |
| Average equity | $36,066,000 | 2,259 |
| Average total loans | $184,454,000 | 2,403 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 2,446 |
| Cost of funding earning assets | 0.3040% | 4,117 |
| Net interest margin | 3.7877% | 1,538 |
| Noninterest income to average assets | 0.0777% | 4,803 |
| Noninterest expense to average assets | 3.2980% | 911 |
| Loan and lease loss provision to assets | 1.1060% | 75 |
| Net operating income to assets | -0.8692% | 4,918 |
| Return on assets (ROA) | -0.8137% | 4,914 |
| Pretax return on assets | -0.8137% | 4,911 |
| Return on Equity (ROE) | -7.9950% | 4,929 |
| Retained earnings to average equity (ytd only) | -7.9950% | 4,888 |
| Net charge-offs to loans | 1.9188% | 46 |
| Credit loss provision to net charge-offs | 98.3150% | 2,861 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 3,332 |
| Efficiency ratio | 93.3007% | 287 |
| Assets per employee ($millions) | 3.8793% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 628 |
| Loan loss allowance to noncurrent loans | 39.1766% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 3.9655% | 64 |
| Noncurrent loans to loans | 5.0342% | 90 |
| Net loans and leases to total assets | 49.2758% | 3,881 |
| Net loans and leases to deposits | 55.3932% | 4,036 |
| Net loans and leases to core deposits | 59.5754% | 3,970 |
| Total domestic deposits to total assets | 88.9565% | 1,006 |
| Equity capital to assets | 9.8921% | 3,226 |
| Core capital (leverage) ratio | 10.2911% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,011,400 | 1,986 |
| Average earning assets | $332,232,000 | 2,015 |
| Average equity | $37,048,000 | 2,125 |
| Average total loans | $213,414,400 | 2,145 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,350 |
| Cost of funding earning assets | 0.3261% | 4,184 |
| Net interest margin | 3.8900% | 1,374 |
| Noninterest income to average assets | -0.2115% | 5,015 |
| Noninterest expense to average assets | 3.2372% | 1,004 |
| Loan and lease loss provision to assets | 1.0370% | 123 |
| Net operating income to assets | -0.9431% | 4,942 |
| Return on assets (ROA) | -0.8687% | 4,942 |
| Pretax return on assets | -0.8687% | 4,930 |
| Return on Equity (ROE) | -8.4741% | 4,951 |
| Retained earnings to average equity (ytd only) | -8.4741% | 4,907 |
| Net charge-offs to loans | 0.7607% | 181 |
| Credit loss provision to net charge-offs | 224.3028% | 2,020 |
| Earnings coverage of net charge-offs (x) | 0.2032% | 3,139 |
| Efficiency ratio | 97.1798% | 203 |
| Assets per employee ($millions) | 4.1631% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4773% | 237 |
| Loan loss allowance to noncurrent loans | 42.6226% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 4.7583% | 58 |
| Noncurrent loans to loans | 5.8122% | 77 |
| Net loans and leases to total assets | 55.9066% | 3,633 |
| Net loans and leases to deposits | 62.8325% | 3,878 |
| Net loans and leases to core deposits | 67.6585% | 3,776 |
| Total domestic deposits to total assets | 88.9771% | 777 |
| Equity capital to assets | 9.8987% | 3,333 |
| Core capital (leverage) ratio | 10.5677% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,912,250 | 1,971 |
| Average earning assets | $329,586,250 | 2,010 |
| Average equity | $37,100,250 | 2,117 |
| Average total loans | $219,968,250 | 2,107 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 1,864 |
| Cost of funding earning assets | 0.3511% | 4,265 |
| Net interest margin | 4.1667% | 987 |
| Noninterest income to average assets | -0.8198% | 5,056 |
| Noninterest expense to average assets | 3.1975% | 1,166 |
| Loan and lease loss provision to assets | 1.3997% | 99 |
| Net operating income to assets | -1.6340% | 5,006 |
| Return on assets (ROA) | -1.6340% | 5,005 |
| Pretax return on assets | -1.6340% | 4,992 |
| Return on Equity (ROE) | -15.7502% | 5,021 |
| Retained earnings to average equity (ytd only) | -15.7502% | 4,989 |
| Net charge-offs to loans | 1.2152% | 111 |
| Credit loss provision to net charge-offs | 185.8203% | 1,977 |
| Earnings coverage of net charge-offs (x) | -0.3111% | 2,945 |
| Efficiency ratio | 107.9072% | 122 |
| Assets per employee ($millions) | 4.5164% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 340 |
| Loan loss allowance to noncurrent loans | 189.7723% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 2.0831% | 326 |
| Noncurrent loans to loans | 1.1544% | 1,364 |
| Net loans and leases to total assets | 55.8684% | 3,699 |
| Net loans and leases to deposits | 62.4017% | 3,981 |
| Net loans and leases to core deposits | 65.5717% | 3,986 |
| Total domestic deposits to total assets | 89.5303% | 558 |
| Equity capital to assets | 9.3636% | 3,765 |
| Core capital (leverage) ratio | 10.4407% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3924% | 1,159 |
| Memoranda: | ||
| Average total assets | $357,658,000 | 1,968 |
| Average earning assets | $324,716,000 | 2,000 |
| Average equity | $37,104,333 | 2,115 |
| Average total loans | $221,694,667 | 2,067 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 960 |
| Cost of funding earning assets | 0.4108% | 4,323 |
| Net interest margin | 4.5933% | 421 |
| Noninterest income to average assets | -0.3129% | 5,094 |
| Noninterest expense to average assets | 3.2715% | 1,281 |
| Loan and lease loss provision to assets | 2.0304% | 66 |
| Net operating income to assets | -1.4717% | 5,020 |
| Return on assets (ROA) | -1.4717% | 5,007 |
| Pretax return on assets | -1.4717% | 4,991 |
| Return on Equity (ROE) | -13.4298% | 5,026 |
| Retained earnings to average equity (ytd only) | -13.4298% | 4,862 |
| Net charge-offs to loans | 2.1405% | 65 |
| Credit loss provision to net charge-offs | 146.3953% | 1,593 |
| Earnings coverage of net charge-offs (x) | 0.4029% | 2,470 |
| Efficiency ratio | 85.4115% | 743 |
| Assets per employee ($millions) | 4.0673% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 520 |
| Loan loss allowance to noncurrent loans | 190.6195% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 3.1040% | 181 |
| Noncurrent loans to loans | 1.0360% | 1,607 |
| Net loans and leases to total assets | 62.5912% | 3,238 |
| Net loans and leases to deposits | 71.4273% | 3,485 |
| Net loans and leases to core deposits | 75.7243% | 3,514 |
| Total domestic deposits to total assets | 87.6292% | 1,261 |
| Equity capital to assets | 11.0680% | 2,804 |
| Core capital (leverage) ratio | 11.0442% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,024,500 | 1,997 |
| Average earning assets | $306,705,500 | 2,044 |
| Average equity | $37,260,500 | 2,107 |
| Average total loans | $220,323,000 | 2,046 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 718 |
| Cost of funding earning assets | 0.4247% | 4,360 |
| Net interest margin | 4.9399% | 301 |
| Noninterest income to average assets | 0.1970% | 4,482 |
| Noninterest expense to average assets | 3.4968% | 969 |
| Loan and lease loss provision to assets | 0.8034% | 129 |
| Net operating income to assets | 0.3857% | 4,620 |
| Return on assets (ROA) | 0.3974% | 4,630 |
| Pretax return on assets | 0.3974% | 4,711 |
| Return on Equity (ROE) | 3.9582% | 4,469 |
| Retained earnings to average equity (ytd only) | -0.4197% | 4,754 |
| Net charge-offs to loans | 1.4620% | 98 |
| Credit loss provision to net charge-offs | 79.4207% | 2,802 |
| Earnings coverage of net charge-offs (x) | 1.1754% | 3,565 |
| Efficiency ratio | 74.6233% | 1,534 |
| Assets per employee ($millions) | 4.3977% | 3,375 |
| Cash dividends to net income (ytd only)* | 110.6039% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 818 |
| Loan loss allowance to noncurrent loans | 98.0965% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 3.9055% | 105 |
| Noncurrent loans to loans | 1.7236% | 797 |
| Net loans and leases to total assets | 64.5977% | 3,120 |
| Net loans and leases to deposits | 73.5485% | 3,389 |
| Net loans and leases to core deposits | 78.5156% | 3,416 |
| Total domestic deposits to total assets | 87.8301% | 1,211 |
| Equity capital to assets | 10.9066% | 3,089 |
| Core capital (leverage) ratio | 10.7767% | 2,694 |
| Tier 1 risk-based capital ratio | 15.2573% | 2,675 |
| Total risk-based capital ratio | 16.5108% | 2,608 |
| Memoranda: | ||
| Average total assets | $358,330,600 | 1,880 |
| Average earning assets | $325,614,200 | 1,898 |
| Average equity | $35,976,400 | 2,096 |
| Average total loans | $247,953,600 | 1,835 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 684 |
| Cost of funding earning assets | 0.4271% | 4,407 |
| Net interest margin | 4.9772% | 304 |
| Noninterest income to average assets | -0.1083% | 5,234 |
| Noninterest expense to average assets | 3.4983% | 953 |
| Loan and lease loss provision to assets | 0.9833% | 95 |
| Net operating income to assets | -0.0558% | 5,078 |
| Return on assets (ROA) | -0.0547% | 5,084 |
| Pretax return on assets | -0.0547% | 5,079 |
| Return on Equity (ROE) | -0.5559% | 5,085 |
| Retained earnings to average equity (ytd only) | -6.4319% | 5,097 |
| Net charge-offs to loans | 0.3256% | 530 |
| Credit loss provision to net charge-offs | 431.4010% | 713 |
| Earnings coverage of net charge-offs (x) | 4.0692% | 3,046 |
| Efficiency ratio | 79.0430% | 1,010 |
| Assets per employee ($millions) | 3.7838% | 4,183 |
| Cash dividends to net income (ytd only)* | -1,057.0573% | 5,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7611% | 161 |
| Loan loss allowance to noncurrent loans | 42.0817% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 7.3814% | 30 |
| Noncurrent loans to loans | 6.5613% | 59 |
| Net loans and leases to total assets | 67.1565% | 2,905 |
| Net loans and leases to deposits | 75.9101% | 3,302 |
| Net loans and leases to core deposits | 80.8714% | 3,321 |
| Total domestic deposits to total assets | 88.4685% | 842 |
| Equity capital to assets | 10.2815% | 3,743 |
| Core capital (leverage) ratio | 9.8097% | 3,842 |
| Tier 1 risk-based capital ratio | 13.4613% | 3,594 |
| Total risk-based capital ratio | 14.7263% | 3,492 |
| Memoranda: | ||
| Average total assets | $363,257,750 | 1,888 |
| Average earning assets | $330,911,250 | 1,893 |
| Average equity | $35,737,500 | 2,119 |
| Average total loans | $254,316,000 | 1,818 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 757 |
| Cost of funding earning assets | 0.4269% | 4,407 |
| Net interest margin | 4.9054% | 347 |
| Noninterest income to average assets | 0.4669% | 2,864 |
| Noninterest expense to average assets | 3.4261% | 1,060 |
| Loan and lease loss provision to assets | 0.2289% | 717 |
| Net operating income to assets | 1.3226% | 1,687 |
| Return on assets (ROA) | 1.3226% | 1,743 |
| Pretax return on assets | 1.3226% | 2,465 |
| Return on Equity (ROE) | 13.0414% | 1,224 |
| Retained earnings to average equity (ytd only) | 6.2711% | 2,162 |
| Net charge-offs to loans | 0.0542% | 1,870 |
| Credit loss provision to net charge-offs | 598.5915% | 533 |
| Earnings coverage of net charge-offs (x) | 40.5775% | 1,234 |
| Efficiency ratio | 68.8305% | 2,402 |
| Assets per employee ($millions) | 3.8659% | 4,040 |
| Cash dividends to net income (ytd only)* | 51.9137% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 514 |
| Loan loss allowance to noncurrent loans | 73.1417% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 3.3670% | 156 |
| Noncurrent loans to loans | 2.6625% | 415 |
| Net loans and leases to total assets | 65.9489% | 3,115 |
| Net loans and leases to deposits | 74.6177% | 3,464 |
| Net loans and leases to core deposits | 79.2970% | 3,480 |
| Total domestic deposits to total assets | 88.3824% | 931 |
| Equity capital to assets | 10.4535% | 3,554 |
| Core capital (leverage) ratio | 10.0288% | 3,556 |
| Tier 1 risk-based capital ratio | 14.0921% | 3,268 |
| Total risk-based capital ratio | 15.3484% | 3,183 |
| Memoranda: | ||
| Average total assets | $371,383,330 | 1,861 |
| Average earning assets | $341,503,000 | 1,858 |
| Average equity | $37,664,670 | 2,034 |
| Average total loans | $262,121,670 | 1,779 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 895 |
| Cost of funding earning assets | 0.3945% | 4,510 |
| Net interest margin | 4.8156% | 391 |
| Noninterest income to average assets | 0.3984% | 3,194 |
| Noninterest expense to average assets | 3.2925% | 1,299 |
| Loan and lease loss provision to assets | 0.2907% | 455 |
| Net operating income to assets | 1.2317% | 1,942 |
| Return on assets (ROA) | 1.2317% | 1,990 |
| Pretax return on assets | 1.2317% | 2,693 |
| Return on Equity (ROE) | 12.3346% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.0567% | 2,882 |
| Net charge-offs to loans | 0.0715% | 1,344 |
| Credit loss provision to net charge-offs | 562.5000% | 566 |
| Earnings coverage of net charge-offs (x) | 29.4583% | 1,347 |
| Efficiency ratio | 68.3810% | 2,588 |
| Assets per employee ($millions) | 3.9188% | 4,044 |
| Cash dividends to net income (ytd only)* | 59.0035% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 781 |
| Loan loss allowance to noncurrent loans | 70.6832% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 4.0050% | 114 |
| Noncurrent loans to loans | 2.4717% | 536 |
| Net loans and leases to total assets | 73.7533% | 1,855 |
| Net loans and leases to deposits | 83.7575% | 2,414 |
| Net loans and leases to core deposits | 89.1892% | 2,588 |
| Total domestic deposits to total assets | 88.0558% | 1,309 |
| Equity capital to assets | 10.4109% | 3,407 |
| Core capital (leverage) ratio | 10.3046% | 3,269 |
| Tier 1 risk-based capital ratio | 12.9840% | 3,885 |
| Total risk-based capital ratio | 14.2385% | 3,780 |
| Memoranda: | ||
| Average total assets | $371,511,000 | 1,870 |
| Average earning assets | $340,725,500 | 1,879 |
| Average equity | $37,099,000 | 2,054 |
| Average total loans | $268,374,500 | 1,763 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 561 |
| Cost of funding earning assets | 0.4371% | 3,759 |
| Net interest margin | 4.8828% | 329 |
| Noninterest income to average assets | 0.6177% | 2,201 |
| Noninterest expense to average assets | 3.3765% | 1,188 |
| Loan and lease loss provision to assets | 0.4017% | 335 |
| Net operating income to assets | 1.3118% | 1,748 |
| Return on assets (ROA) | 1.3174% | 1,718 |
| Pretax return on assets | 1.3174% | 2,441 |
| Return on Equity (ROE) | 13.6964% | 1,130 |
| Retained earnings to average equity (ytd only) | 3.5468% | 3,635 |
| Net charge-offs to loans | 0.5118% | 344 |
| Credit loss provision to net charge-offs | 110.1683% | 2,336 |
| Earnings coverage of net charge-offs (x) | 4.6993% | 3,264 |
| Efficiency ratio | 66.3365% | 2,816 |
| Assets per employee ($millions) | 4.0691% | 3,792 |
| Cash dividends to net income (ytd only)* | 74.1041% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 846 |
| Loan loss allowance to noncurrent loans | 128.6244% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 3.0011% | 209 |
| Noncurrent loans to loans | 1.3167% | 1,192 |
| Net loans and leases to total assets | 68.3966% | 2,820 |
| Net loans and leases to deposits | 77.1341% | 3,266 |
| Net loans and leases to core deposits | 81.9473% | 3,265 |
| Total domestic deposits to total assets | 88.6723% | 992 |
| Equity capital to assets | 9.5854% | 4,059 |
| Core capital (leverage) ratio | 10.0784% | 3,487 |
| Tier 1 risk-based capital ratio | 13.1869% | 3,733 |
| Total risk-based capital ratio | 14.4408% | 3,615 |
| Memoranda: | ||
| Average total assets | $374,915,600 | 1,813 |
| Average earning assets | $343,389,600 | 1,837 |
| Average equity | $36,060,600 | 2,029 |
| Average total loans | $267,122,200 | 1,745 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 685 |
| Cost of funding earning assets | 0.4353% | 3,626 |
| Net interest margin | 4.7171% | 454 |
| Noninterest income to average assets | 0.7452% | 1,693 |
| Noninterest expense to average assets | 3.3424% | 1,217 |
| Loan and lease loss provision to assets | 0.3263% | 432 |
| Net operating income to assets | 1.3951% | 1,508 |
| Return on assets (ROA) | 1.4026% | 1,478 |
| Pretax return on assets | 1.4026% | 2,219 |
| Return on Equity (ROE) | 14.5695% | 964 |
| Retained earnings to average equity (ytd only) | 3.9505% | 3,797 |
| Net charge-offs to loans | 0.4712% | 335 |
| Credit loss provision to net charge-offs | 96.6138% | 2,344 |
| Earnings coverage of net charge-offs (x) | 5.0963% | 2,990 |
| Efficiency ratio | 66.0055% | 2,872 |
| Assets per employee ($millions) | 3.6889% | 4,323 |
| Cash dividends to net income (ytd only)* | 72.8848% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,034 |
| Loan loss allowance to noncurrent loans | 69.9242% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 3.7575% | 141 |
| Noncurrent loans to loans | 2.3128% | 587 |
| Net loans and leases to total assets | 71.5062% | 2,407 |
| Net loans and leases to deposits | 81.1603% | 2,907 |
| Net loans and leases to core deposits | 87.1758% | 2,903 |
| Total domestic deposits to total assets | 88.1049% | 1,199 |
| Equity capital to assets | 9.7733% | 3,843 |
| Core capital (leverage) ratio | 10.0714% | 3,557 |
| Tier 1 risk-based capital ratio | 12.6221% | 4,144 |
| Total risk-based capital ratio | 13.8747% | 4,033 |
| Memoranda: | ||
| Average total assets | $373,020,000 | 1,828 |
| Average earning assets | $341,500,750 | 1,856 |
| Average equity | $35,909,750 | 2,041 |
| Average total loans | $267,372,250 | 1,748 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 482 |
| Cost of funding earning assets | 0.4346% | 3,468 |
| Net interest margin | 4.8534% | 335 |
| Noninterest income to average assets | 0.6031% | 2,304 |
| Noninterest expense to average assets | 3.3975% | 1,137 |
| Loan and lease loss provision to assets | 0.2687% | 565 |
| Net operating income to assets | 1.3814% | 1,504 |
| Return on assets (ROA) | 1.3926% | 1,470 |
| Pretax return on assets | 1.3926% | 2,171 |
| Return on Equity (ROE) | 14.5391% | 950 |
| Retained earnings to average equity (ytd only) | 3.9987% | 3,612 |
| Net charge-offs to loans | 0.2366% | 671 |
| Credit loss provision to net charge-offs | 159.1772% | 1,520 |
| Earnings coverage of net charge-offs (x) | 9.7753% | 2,374 |
| Efficiency ratio | 67.3087% | 2,760 |
| Assets per employee ($millions) | 3.9333% | 4,016 |
| Cash dividends to net income (ytd only)* | 72.4971% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 872 |
| Loan loss allowance to noncurrent loans | 66.2353% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 3.9432% | 143 |
| Noncurrent loans to loans | 2.5985% | 484 |
| Net loans and leases to total assets | 70.3491% | 2,526 |
| Net loans and leases to deposits | 79.9295% | 2,963 |
| Net loans and leases to core deposits | 85.7632% | 2,944 |
| Total domestic deposits to total assets | 88.0139% | 1,375 |
| Equity capital to assets | 9.7201% | 3,899 |
| Core capital (leverage) ratio | 10.0659% | 3,507 |
| Tier 1 risk-based capital ratio | 12.8496% | 3,986 |
| Total risk-based capital ratio | 14.1035% | 3,894 |
| Memoranda: | ||
| Average total assets | $374,396,330 | 1,833 |
| Average earning assets | $342,854,670 | 1,855 |
| Average equity | $35,862,000 | 2,042 |
| Average total loans | $267,124,330 | 1,752 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 576 |
| Cost of funding earning assets | 0.4163% | 3,469 |
| Net interest margin | 4.6918% | 411 |
| Noninterest income to average assets | 0.7825% | 1,508 |
| Noninterest expense to average assets | 3.2246% | 1,521 |
| Loan and lease loss provision to assets | 0.4884% | 215 |
| Net operating income to assets | 1.3771% | 1,404 |
| Return on assets (ROA) | 1.3994% | 1,349 |
| Pretax return on assets | 1.3994% | 2,005 |
| Return on Equity (ROE) | 14.7164% | 854 |
| Retained earnings to average equity (ytd only) | 4.1648% | 3,525 |
| Net charge-offs to loans | 0.5676% | 262 |
| Credit loss provision to net charge-offs | 120.4188% | 1,372 |
| Earnings coverage of net charge-offs (x) | 4.5995% | 2,286 |
| Efficiency ratio | 63.3500% | 3,586 |
| Assets per employee ($millions) | 3.6889% | 4,428 |
| Cash dividends to net income (ytd only)* | 71.6995% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 1,061 |
| Loan loss allowance to noncurrent loans | 94.0766% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 3.0884% | 252 |
| Noncurrent loans to loans | 1.7496% | 975 |
| Net loans and leases to total assets | 72.0323% | 2,163 |
| Net loans and leases to deposits | 81.9983% | 2,598 |
| Net loans and leases to core deposits | 89.5833% | 2,487 |
| Total domestic deposits to total assets | 87.8461% | 1,705 |
| Equity capital to assets | 9.6971% | 3,884 |
| Core capital (leverage) ratio | 9.8031% | 3,755 |
| Tier 1 risk-based capital ratio | 12.1353% | 4,470 |
| Total risk-based capital ratio | 13.3878% | 4,363 |
| Memoranda: | ||
| Average total assets | $376,730,000 | 1,836 |
| Average earning assets | $345,881,500 | 1,846 |
| Average equity | $35,824,000 | 2,052 |
| Average total loans | $269,217,000 | 1,745 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 647 |
| Cost of funding earning assets | 0.5046% | 2,287 |
| Net interest margin | 4.4983% | 611 |
| Noninterest income to average assets | 0.8102% | 1,529 |
| Noninterest expense to average assets | 3.4054% | 1,186 |
| Loan and lease loss provision to assets | 0.3076% | 554 |
| Net operating income to assets | 1.2188% | 1,455 |
| Return on assets (ROA) | 1.2191% | 1,480 |
| Pretax return on assets | 1.2191% | 2,690 |
| Return on Equity (ROE) | 12.4013% | 1,105 |
| Retained earnings to average equity (ytd only) | 2.2226% | 3,993 |
| Net charge-offs to loans | 0.3665% | 694 |
| Credit loss provision to net charge-offs | 116.5612% | 2,240 |
| Earnings coverage of net charge-offs (x) | 5.7848% | 3,271 |
| Efficiency ratio | 69.0502% | 2,688 |
| Assets per employee ($millions) | 3.7703% | 4,326 |
| Cash dividends to net income (ytd only)* | 82.0776% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,076 |
| Loan loss allowance to noncurrent loans | 65.2135% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.9418% | 153 |
| Noncurrent loans to loans | 2.4968% | 536 |
| Net loans and leases to total assets | 68.6218% | 2,739 |
| Net loans and leases to deposits | 77.7425% | 3,144 |
| Net loans and leases to core deposits | 85.2730% | 2,963 |
| Total domestic deposits to total assets | 88.2681% | 1,362 |
| Equity capital to assets | 9.3290% | 4,399 |
| Core capital (leverage) ratio | 9.9172% | 3,561 |
| Tier 1 risk-based capital ratio | 12.1752% | 4,414 |
| Total risk-based capital ratio | 13.4276% | 4,306 |
| Memoranda: | ||
| Average total assets | $359,282,400 | 1,873 |
| Average earning assets | $329,191,800 | 1,896 |
| Average equity | $35,319,000 | 2,060 |
| Average total loans | $258,680,400 | 1,765 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 565 |
| Cost of funding earning assets | 0.5158% | 2,142 |
| Net interest margin | 4.5223% | 573 |
| Noninterest income to average assets | 0.7993% | 1,593 |
| Noninterest expense to average assets | 3.3857% | 1,180 |
| Loan and lease loss provision to assets | 0.3910% | 353 |
| Net operating income to assets | 1.1661% | 1,817 |
| Return on assets (ROA) | 1.1669% | 1,859 |
| Pretax return on assets | 1.1669% | 3,031 |
| Return on Equity (ROE) | 11.7072% | 1,421 |
| Retained earnings to average equity (ytd only) | 1.2848% | 4,892 |
| Net charge-offs to loans | 0.3532% | 599 |
| Credit loss provision to net charge-offs | 152.4300% | 1,669 |
| Earnings coverage of net charge-offs (x) | 6.0707% | 3,023 |
| Efficiency ratio | 68.4983% | 2,785 |
| Assets per employee ($millions) | 3.7245% | 4,413 |
| Cash dividends to net income (ytd only)* | 89.0258% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,049 |
| Loan loss allowance to noncurrent loans | 53.6230% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 3.5300% | 210 |
| Noncurrent loans to loans | 3.1550% | 378 |
| Net loans and leases to total assets | 74.9860% | 1,764 |
| Net loans and leases to deposits | 87.3634% | 2,142 |
| Net loans and leases to core deposits | 100.0758% | 1,701 |
| Total domestic deposits to total assets | 85.8323% | 2,379 |
| Equity capital to assets | 10.0874% | 3,817 |
| Core capital (leverage) ratio | 10.1704% | 3,351 |
| Tier 1 risk-based capital ratio | 11.9929% | 4,627 |
| Total risk-based capital ratio | 13.2463% | 4,505 |
| Memoranda: | ||
| Average total assets | $352,961,500 | 1,912 |
| Average earning assets | $323,396,750 | 1,933 |
| Average equity | $35,179,750 | 2,076 |
| Average total loans | $256,284,500 | 1,790 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 556 |
| Cost of funding earning assets | 0.5221% | 1,994 |
| Net interest margin | 4.4838% | 587 |
| Noninterest income to average assets | 0.8121% | 1,527 |
| Noninterest expense to average assets | 3.3304% | 1,309 |
| Loan and lease loss provision to assets | 0.1671% | 1,186 |
| Net operating income to assets | 1.4146% | 1,027 |
| Return on assets (ROA) | 1.4158% | 1,048 |
| Pretax return on assets | 1.4158% | 1,948 |
| Return on Equity (ROE) | 14.0836% | 801 |
| Retained earnings to average equity (ytd only) | 3.3801% | 3,701 |
| Net charge-offs to loans | 0.1770% | 1,118 |
| Credit loss provision to net charge-offs | 132.2870% | 1,661 |
| Earnings coverage of net charge-offs (x) | 12.5247% | 2,186 |
| Efficiency ratio | 67.8003% | 3,052 |
| Assets per employee ($millions) | 3.6103% | 4,561 |
| Cash dividends to net income (ytd only)* | 76.0000% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,075 |
| Loan loss allowance to noncurrent loans | 80.9335% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 3.0664% | 293 |
| Noncurrent loans to loans | 2.0889% | 793 |
| Net loans and leases to total assets | 67.6330% | 2,860 |
| Net loans and leases to deposits | 77.8660% | 3,127 |
| Net loans and leases to core deposits | 88.7364% | 2,639 |
| Total domestic deposits to total assets | 86.8582% | 2,013 |
| Equity capital to assets | 9.7754% | 4,148 |
| Core capital (leverage) ratio | 10.2597% | 3,186 |
| Tier 1 risk-based capital ratio | 12.2346% | 4,474 |
| Total risk-based capital ratio | 13.4870% | 4,354 |
| Memoranda: | ||
| Average total assets | $353,166,670 | 1,912 |
| Average earning assets | $322,939,000 | 1,941 |
| Average equity | $35,502,330 | 2,049 |
| Average total loans | $251,997,330 | 1,814 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 364 |
| Cost of funding earning assets | 0.5267% | 1,886 |
| Net interest margin | 4.7052% | 374 |
| Noninterest income to average assets | 0.6678% | 2,100 |
| Noninterest expense to average assets | 3.2926% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6966% | 556 |
| Return on assets (ROA) | 1.6966% | 567 |
| Pretax return on assets | 1.6966% | 1,012 |
| Return on Equity (ROE) | 16.6333% | 448 |
| Retained earnings to average equity (ytd only) | 5.0036% | 2,891 |
| Net charge-offs to loans | 0.0047% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 488.6667% | 115 |
| Efficiency ratio | 65.9940% | 3,497 |
| Assets per employee ($millions) | 3.5219% | 4,762 |
| Cash dividends to net income (ytd only)* | 69.9181% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,150 |
| Loan loss allowance to noncurrent loans | 136.6558% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4424% | 1,142 |
| Noncurrent loans to loans | 1.2408% | 1,629 |
| Net loans and leases to total assets | 69.2840% | 2,492 |
| Net loans and leases to deposits | 80.4382% | 2,695 |
| Net loans and leases to core deposits | 88.9791% | 2,456 |
| Total domestic deposits to total assets | 86.1333% | 2,611 |
| Equity capital to assets | 10.0759% | 3,663 |
| Core capital (leverage) ratio | 10.3505% | 3,060 |
| Tier 1 risk-based capital ratio | 12.3117% | 4,503 |
| Total risk-based capital ratio | 13.5639% | 4,405 |
| Memoranda: | ||
| Average total assets | $345,624,000 | 1,962 |
| Average earning assets | $317,433,000 | 1,981 |
| Average equity | $35,254,500 | 2,071 |
| Average total loans | $253,324,500 | 1,817 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 234 |
| Cost of funding earning assets | 0.5232% | 1,915 |
| Net interest margin | 5.0202% | 240 |
| Noninterest income to average assets | 0.3910% | 3,957 |
| Noninterest expense to average assets | 3.0227% | 2,280 |
| Loan and lease loss provision to assets | 0.3450% | 497 |
| Net operating income to assets | 1.6743% | 582 |
| Return on assets (ROA) | 1.6887% | 586 |
| Pretax return on assets | 1.6887% | 1,029 |
| Return on Equity (ROE) | 16.5063% | 457 |
| Retained earnings to average equity (ytd only) | 3.5928% | 3,367 |
| Net charge-offs to loans | 0.1542% | 1,723 |
| Credit loss provision to net charge-offs | 281.7746% | 1,038 |
| Earnings coverage of net charge-offs (x) | 16.4940% | 2,103 |
| Efficiency ratio | 59.9511% | 4,589 |
| Assets per employee ($millions) | 3.5691% | 4,654 |
| Cash dividends to net income (ytd only)* | 78.2337% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 1,303 |
| Loan loss allowance to noncurrent loans | 1,871.5556% | 347 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 785 |
| Noncurrent loans to loans | 0.0871% | 4,893 |
| Net loans and leases to total assets | 74.9776% | 1,696 |
| Net loans and leases to deposits | 87.4281% | 1,998 |
| Net loans and leases to core deposits | 104.7005% | 1,232 |
| Total domestic deposits to total assets | 85.7592% | 2,694 |
| Equity capital to assets | 10.3294% | 3,351 |
| Core capital (leverage) ratio | 10.4330% | 2,948 |
| Tier 1 risk-based capital ratio | 12.0042% | 4,725 |
| Total risk-based capital ratio | 13.2562% | 4,606 |
| Memoranda: | ||
| Average total assets | $340,622,400 | 1,947 |
| Average earning assets | $315,567,600 | 1,944 |
| Average equity | $34,847,400 | 2,086 |
| Average total loans | $270,440,400 | 1,674 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6169% | 213 |
| Cost of funding earning assets | 0.5226% | 1,923 |
| Net interest margin | 5.0944% | 210 |
| Noninterest income to average assets | 0.3941% | 3,964 |
| Noninterest expense to average assets | 2.7693% | 3,117 |
| Loan and lease loss provision to assets | 0.4907% | 258 |
| Net operating income to assets | 1.8720% | 429 |
| Return on assets (ROA) | 1.8912% | 429 |
| Pretax return on assets | 1.8912% | 720 |
| Return on Equity (ROE) | 18.5302% | 327 |
| Retained earnings to average equity (ytd only) | 4.2600% | 3,293 |
| Net charge-offs to loans | 0.2521% | 928 |
| Credit loss provision to net charge-offs | 242.7466% | 1,223 |
| Earnings coverage of net charge-offs (x) | 11.6885% | 2,462 |
| Efficiency ratio | 53.9616% | 5,243 |
| Assets per employee ($millions) | 3.8103% | 4,284 |
| Cash dividends to net income (ytd only)* | 77.0105% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,654 |
| Loan loss allowance to noncurrent loans | 851.8293% | 673 |
| Noncurrent assets plus other real estate owned to assets | 1.9540% | 804 |
| Noncurrent loans to loans | 0.1798% | 4,636 |
| Net loans and leases to total assets | 78.5894% | 1,101 |
| Net loans and leases to deposits | 92.6637% | 1,415 |
| Net loans and leases to core deposits | 108.3136% | 1,027 |
| Total domestic deposits to total assets | 84.8114% | 2,888 |
| Equity capital to assets | 10.3021% | 3,799 |
| Core capital (leverage) ratio | 10.0486% | 3,506 |
| Tier 1 risk-based capital ratio | 11.1544% | 5,284 |
| Total risk-based capital ratio | 12.4053% | 5,197 |
| Memoranda: | ||
| Average total assets | $341,013,000 | 1,944 |
| Average earning assets | $317,152,750 | 1,939 |
| Average equity | $34,803,500 | 2,098 |
| Average total loans | $273,443,000 | 1,657 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 221 |
| Cost of funding earning assets | 0.5188% | 1,947 |
| Net interest margin | 5.0713% | 228 |
| Noninterest income to average assets | 0.3866% | 3,976 |
| Noninterest expense to average assets | 2.6183% | 3,666 |
| Loan and lease loss provision to assets | 0.4172% | 356 |
| Net operating income to assets | 2.0895% | 288 |
| Return on assets (ROA) | 2.1177% | 282 |
| Pretax return on assets | 2.1177% | 452 |
| Return on Equity (ROE) | 20.8153% | 204 |
| Retained earnings to average equity (ytd only) | 5.3655% | 2,507 |
| Net charge-offs to loans | -0.0227% | 4,998 |
| Credit loss provision to net charge-offs | -2,290.3226% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0892% | 5,495 |
| Assets per employee ($millions) | 3.8355% | 4,201 |
| Cash dividends to net income (ytd only)* | 74.2231% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,795 |
| Loan loss allowance to noncurrent loans | 1,240.8284% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 5,120 |
| Noncurrent loans to loans | 0.1222% | 4,957 |
| Net loans and leases to total assets | 78.8829% | 1,083 |
| Net loans and leases to deposits | 94.1023% | 1,283 |
| Net loans and leases to core deposits | 107.2752% | 1,070 |
| Total domestic deposits to total assets | 83.8267% | 3,341 |
| Equity capital to assets | 10.1927% | 3,988 |
| Core capital (leverage) ratio | 10.3898% | 3,087 |
| Tier 1 risk-based capital ratio | 11.0866% | 5,370 |
| Total risk-based capital ratio | 12.3372% | 5,290 |
| Memoranda: | ||
| Average total assets | $340,374,330 | 1,958 |
| Average earning assets | $318,024,670 | 1,939 |
| Average equity | $34,628,330 | 2,109 |
| Average total loans | $273,358,330 | 1,651 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 222 |
| Cost of funding earning assets | 0.5207% | 1,938 |
| Net interest margin | 5.0782% | 215 |
| Noninterest income to average assets | 0.4142% | 3,722 |
| Noninterest expense to average assets | 2.5103% | 4,037 |
| Loan and lease loss provision to assets | 0.6510% | 164 |
| Net operating income to assets | 1.9967% | 334 |
| Return on assets (ROA) | 2.0535% | 315 |
| Pretax return on assets | 2.0535% | 509 |
| Return on Equity (ROE) | 20.2038% | 234 |
| Retained earnings to average equity (ytd only) | 4.1921% | 3,384 |
| Net charge-offs to loans | -0.2119% | 5,866 |
| Credit loss provision to net charge-offs | -381.9444% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6691% | 5,694 |
| Assets per employee ($millions) | 3.8773% | 4,166 |
| Cash dividends to net income (ytd only)* | 79.2507% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,960 |
| Loan loss allowance to noncurrent loans | 539.9740% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 4,538 |
| Noncurrent loans to loans | 0.2787% | 4,435 |
| Net loans and leases to total assets | 80.4582% | 755 |
| Net loans and leases to deposits | 97.0544% | 839 |
| Net loans and leases to core deposits | 111.4660% | 785 |
| Total domestic deposits to total assets | 82.9001% | 3,935 |
| Equity capital to assets | 10.2492% | 3,794 |
| Core capital (leverage) ratio | 10.1763% | 3,339 |
| Tier 1 risk-based capital ratio | 11.1788% | 5,407 |
| Total risk-based capital ratio | 12.4300% | 5,317 |
| Memoranda: | ||
| Average total assets | $337,962,000 | 1,981 |
| Average earning assets | $315,700,000 | 1,969 |
| Average equity | $34,350,000 | 2,122 |
| Average total loans | $271,789,000 | 1,657 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 197 |
| Cost of funding earning assets | 0.5291% | 1,934 |
| Net interest margin | 5.1796% | 193 |
| Noninterest income to average assets | 0.4290% | 3,825 |
| Noninterest expense to average assets | 2.8749% | 2,950 |
| Loan and lease loss provision to assets | 0.2857% | 624 |
| Net operating income to assets | 2.0677% | 311 |
| Return on assets (ROA) | 2.0735% | 315 |
| Pretax return on assets | 2.0735% | 462 |
| Return on Equity (ROE) | 22.0051% | 176 |
| Retained earnings to average equity (ytd only) | 7.1044% | 1,236 |
| Net charge-offs to loans | 0.1261% | 2,115 |
| Credit loss provision to net charge-offs | 286.4078% | 1,023 |
| Earnings coverage of net charge-offs (x) | 23.5955% | 1,725 |
| Efficiency ratio | 54.9883% | 5,441 |
| Assets per employee ($millions) | 4.0795% | 3,798 |
| Cash dividends to net income (ytd only)* | 67.7148% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,974 |
| Loan loss allowance to noncurrent loans | 444.9742% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,677 |
| Noncurrent loans to loans | 0.2895% | 4,425 |
| Net loans and leases to total assets | 78.1372% | 1,102 |
| Net loans and leases to deposits | 93.9452% | 1,207 |
| Net loans and leases to core deposits | 105.4807% | 1,133 |
| Total domestic deposits to total assets | 83.1732% | 3,784 |
| Equity capital to assets | 10.0788% | 3,877 |
| Core capital (leverage) ratio | 10.0991% | 3,382 |
| Tier 1 risk-based capital ratio | 10.9839% | 5,530 |
| Total risk-based capital ratio | 12.0942% | 5,510 |
| Memoranda: | ||
| Average total assets | $309,817,200 | 2,092 |
| Average earning assets | $287,066,200 | 2,091 |
| Average equity | $29,193,200 | 2,379 |
| Average total loans | $244,978,800 | 1,758 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 208 |
| Cost of funding earning assets | 0.5393% | 1,892 |
| Net interest margin | 5.1321% | 198 |
| Noninterest income to average assets | 0.4186% | 3,943 |
| Noninterest expense to average assets | 2.7312% | 3,457 |
| Loan and lease loss provision to assets | 0.2577% | 654 |
| Net operating income to assets | 2.1796% | 271 |
| Return on assets (ROA) | 2.1866% | 277 |
| Pretax return on assets | 2.1866% | 429 |
| Return on Equity (ROE) | 23.6668% | 145 |
| Retained earnings to average equity (ytd only) | 9.3608% | 774 |
| Net charge-offs to loans | 0.0401% | 3,083 |
| Credit loss provision to net charge-offs | 812.5000% | 436 |
| Earnings coverage of net charge-offs (x) | 76.8315% | 767 |
| Efficiency ratio | 52.8429% | 5,591 |
| Assets per employee ($millions) | 4.4675% | 3,072 |
| Cash dividends to net income (ytd only)* | 60.4473% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,368 |
| Loan loss allowance to noncurrent loans | 303.4915% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 4,435 |
| Noncurrent loans to loans | 0.4118% | 4,132 |
| Net loans and leases to total assets | 79.9501% | 828 |
| Net loans and leases to deposits | 98.8564% | 743 |
| Net loans and leases to core deposits | 108.2268% | 969 |
| Total domestic deposits to total assets | 80.8750% | 4,505 |
| Equity capital to assets | 10.1915% | 3,944 |
| Core capital (leverage) ratio | 10.5210% | 3,023 |
| Tier 1 risk-based capital ratio | 11.1312% | 5,591 |
| Total risk-based capital ratio | 12.2403% | 5,563 |
| Memoranda: | ||
| Average total assets | $302,621,000 | 2,147 |
| Average earning assets | $280,088,500 | 2,147 |
| Average equity | $27,959,750 | 2,472 |
| Average total loans | $239,216,750 | 1,810 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6796% | 202 |
| Cost of funding earning assets | 0.5512% | 1,802 |
| Net interest margin | 5.1284% | 200 |
| Noninterest income to average assets | 0.4078% | 4,028 |
| Noninterest expense to average assets | 2.6339% | 3,801 |
| Loan and lease loss provision to assets | 0.2296% | 810 |
| Net operating income to assets | 2.2885% | 223 |
| Return on assets (ROA) | 2.2995% | 232 |
| Pretax return on assets | 2.2995% | 339 |
| Return on Equity (ROE) | 25.9103% | 103 |
| Retained earnings to average equity (ytd only) | 10.8507% | 525 |
| Net charge-offs to loans | 0.0070% | 3,656 |
| Credit loss provision to net charge-offs | 4,187.5000% | 102 |
| Earnings coverage of net charge-offs (x) | 459.2500% | 144 |
| Efficiency ratio | 51.1241% | 5,788 |
| Assets per employee ($millions) | 4.2832% | 3,335 |
| Cash dividends to net income (ytd only)* | 58.1222% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 3,499 |
| Loan loss allowance to noncurrent loans | 988.8889% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 5,280 |
| Noncurrent loans to loans | 0.1266% | 5,245 |
| Net loans and leases to total assets | 79.7395% | 836 |
| Net loans and leases to deposits | 95.9212% | 974 |
| Net loans and leases to core deposits | 105.8016% | 1,075 |
| Total domestic deposits to total assets | 83.1302% | 3,897 |
| Equity capital to assets | 8.3910% | 5,768 |
| Core capital (leverage) ratio | 8.6412% | 5,382 |
| Tier 1 risk-based capital ratio | 9.6631% | 6,169 |
| Total risk-based capital ratio | 10.8318% | 6,159 |
| Memoranda: | ||
| Average total assets | $291,806,670 | 2,224 |
| Average earning assets | $269,949,670 | 2,233 |
| Average equity | $25,897,000 | 2,660 |
| Average total loans | $228,531,000 | 1,895 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 248 |
| Cost of funding earning assets | 0.5689% | 1,670 |
| Net interest margin | 4.9567% | 266 |
| Noninterest income to average assets | 0.4871% | 3,377 |
| Noninterest expense to average assets | 2.6172% | 3,872 |
| Loan and lease loss provision to assets | 0.1934% | 968 |
| Net operating income to assets | 2.2447% | 216 |
| Return on assets (ROA) | 2.2447% | 228 |
| Pretax return on assets | 2.2447% | 358 |
| Return on Equity (ROE) | 24.5347% | 116 |
| Retained earnings to average equity (ytd only) | 9.2690% | 1,109 |
| Net charge-offs to loans | 0.0186% | 2,785 |
| Credit loss provision to net charge-offs | 1,350.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 170.2000% | 322 |
| Efficiency ratio | 51.7710% | 5,820 |
| Assets per employee ($millions) | 4.1390% | 3,681 |
| Cash dividends to net income (ytd only)* | 62.2208% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 3,053 |
| Loan loss allowance to noncurrent loans | 926.5432% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,284 |
| Noncurrent loans to loans | 0.1481% | 5,243 |
| Net loans and leases to total assets | 76.6400% | 1,118 |
| Net loans and leases to deposits | 94.4513% | 938 |
| Net loans and leases to core deposits | 105.3885% | 981 |
| Total domestic deposits to total assets | 81.1423% | 4,789 |
| Equity capital to assets | 9.1844% | 5,110 |
| Core capital (leverage) ratio | 9.2567% | 4,638 |
| Tier 1 risk-based capital ratio | 11.8163% | 5,363 |
| Total risk-based capital ratio | 13.0677% | 5,258 |
| Memoranda: | ||
| Average total assets | $279,231,500 | 2,318 |
| Average earning assets | $257,346,500 | 2,332 |
| Average equity | $25,547,500 | 2,699 |
| Average total loans | $214,824,500 | 1,980 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 400 |
| Cost of funding earning assets | 0.5953% | 1,800 |
| Net interest margin | 4.7771% | 448 |
| Noninterest income to average assets | 0.3098% | 4,905 |
| Noninterest expense to average assets | 2.7092% | 3,825 |
| Loan and lease loss provision to assets | 0.1248% | 2,100 |
| Net operating income to assets | 1.8969% | 393 |
| Return on assets (ROA) | 1.8996% | 407 |
| Pretax return on assets | 1.8996% | 642 |
| Return on Equity (ROE) | 19.9179% | 257 |
| Retained earnings to average equity (ytd only) | 4.2187% | 3,191 |
| Net charge-offs to loans | 0.0277% | 4,260 |
| Credit loss provision to net charge-offs | 613.2075% | 431 |
| Earnings coverage of net charge-offs (x) | 99.3585% | 528 |
| Efficiency ratio | 57.2669% | 5,537 |
| Assets per employee ($millions) | 4.1344% | 3,658 |
| Cash dividends to net income (ytd only)* | 78.8197% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,116 |
| Loan loss allowance to noncurrent loans | 896.2617% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 5,348 |
| Noncurrent loans to loans | 0.1522% | 5,285 |
| Net loans and leases to total assets | 75.1108% | 1,400 |
| Net loans and leases to deposits | 92.6425% | 1,223 |
| Net loans and leases to core deposits | 103.5722% | 1,149 |
| Total domestic deposits to total assets | 81.0760% | 4,726 |
| Equity capital to assets | 9.1135% | 5,168 |
| Core capital (leverage) ratio | 9.1585% | 4,737 |
| Tier 1 risk-based capital ratio | 12.5629% | 4,997 |
| Total risk-based capital ratio | 13.8154% | 4,909 |
| Memoranda: | ||
| Average total assets | $260,479,200 | 2,424 |
| Average earning assets | $241,064,600 | 2,423 |
| Average equity | $24,842,000 | 2,681 |
| Average total loans | $191,467,800 | 2,107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 438 |
| Cost of funding earning assets | 0.5959% | 1,875 |
| Net interest margin | 4.7185% | 485 |
| Noninterest income to average assets | 0.3204% | 4,869 |
| Noninterest expense to average assets | 2.5049% | 4,513 |
| Loan and lease loss provision to assets | 0.1222% | 2,041 |
| Net operating income to assets | 2.0669% | 305 |
| Return on assets (ROA) | 2.0669% | 315 |
| Pretax return on assets | 2.0669% | 486 |
| Return on Equity (ROE) | 21.4158% | 213 |
| Retained earnings to average equity (ytd only) | 6.1919% | 2,279 |
| Net charge-offs to loans | -0.0007% | 5,150 |
| Credit loss provision to net charge-offs | -23,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3629% | 5,887 |
| Assets per employee ($millions) | 4.6000% | 2,811 |
| Cash dividends to net income (ytd only)* | 71.0871% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,145 |
| Loan loss allowance to noncurrent loans | 632.7394% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 5,303 |
| Noncurrent loans to loans | 0.2220% | 5,236 |
| Net loans and leases to total assets | 72.2587% | 1,800 |
| Net loans and leases to deposits | 87.5928% | 1,724 |
| Net loans and leases to core deposits | 97.0657% | 1,587 |
| Total domestic deposits to total assets | 82.4938% | 4,302 |
| Equity capital to assets | 9.1634% | 5,195 |
| Core capital (leverage) ratio | 9.4367% | 4,455 |
| Tier 1 risk-based capital ratio | 12.1591% | 5,398 |
| Total risk-based capital ratio | 13.4106% | 5,311 |
| Memoranda: | ||
| Average total assets | $256,347,000 | 2,486 |
| Average earning assets | $237,613,750 | 2,463 |
| Average equity | $24,741,250 | 2,697 |
| Average total loans | $186,599,750 | 2,164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 446 |
| Cost of funding earning assets | 0.5955% | 1,937 |
| Net interest margin | 4.6838% | 504 |
| Noninterest income to average assets | 0.3475% | 4,650 |
| Noninterest expense to average assets | 2.4188% | 4,828 |
| Loan and lease loss provision to assets | 0.1481% | 1,668 |
| Net operating income to assets | 2.1385% | 258 |
| Return on assets (ROA) | 2.1385% | 272 |
| Pretax return on assets | 2.1385% | 414 |
| Return on Equity (ROE) | 21.7526% | 208 |
| Retained earnings to average equity (ytd only) | 7.2970% | 1,616 |
| Net charge-offs to loans | 0.0309% | 3,578 |
| Credit loss provision to net charge-offs | 660.7143% | 471 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 551 |
| Efficiency ratio | 51.4038% | 6,104 |
| Assets per employee ($millions) | 4.3254% | 3,220 |
| Cash dividends to net income (ytd only)* | 66.4545% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 3,265 |
| Loan loss allowance to noncurrent loans | 327.2512% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 5,098 |
| Noncurrent loans to loans | 0.4326% | 4,687 |
| Net loans and leases to total assets | 72.8976% | 1,594 |
| Net loans and leases to deposits | 90.1768% | 1,354 |
| Net loans and leases to core deposits | 100.5090% | 1,237 |
| Total domestic deposits to total assets | 80.8385% | 5,032 |
| Equity capital to assets | 9.5013% | 4,745 |
| Core capital (leverage) ratio | 9.8368% | 3,835 |
| Tier 1 risk-based capital ratio | 12.5261% | 5,214 |
| Total risk-based capital ratio | 13.7779% | 5,134 |
| Memoranda: | ||
| Average total assets | $249,796,000 | 2,545 |
| Average earning assets | $232,419,670 | 2,526 |
| Average equity | $24,558,000 | 2,706 |
| Average total loans | $181,374,670 | 2,218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 489 |
| Cost of funding earning assets | 0.6012% | 1,962 |
| Net interest margin | 4.5928% | 560 |
| Noninterest income to average assets | 0.4333% | 3,924 |
| Noninterest expense to average assets | 2.1765% | 5,518 |
| Loan and lease loss provision to assets | 0.1400% | 1,735 |
| Net operating income to assets | 2.4089% | 169 |
| Return on assets (ROA) | 2.4089% | 180 |
| Pretax return on assets | 2.4089% | 262 |
| Return on Equity (ROE) | 24.0634% | 142 |
| Retained earnings to average equity (ytd only) | 7.1927% | 1,940 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0600% | 6,423 |
| Assets per employee ($millions) | 4.2527% | 3,436 |
| Cash dividends to net income (ytd only)* | 70.1094% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 3,159 |
| Loan loss allowance to noncurrent loans | 542.3387% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 5,619 |
| Noncurrent loans to loans | 0.2759% | 5,278 |
| Net loans and leases to total assets | 71.7825% | 1,607 |
| Net loans and leases to deposits | 90.1017% | 1,133 |
| Net loans and leases to core deposits | 101.2477% | 1,018 |
| Total domestic deposits to total assets | 79.6683% | 5,553 |
| Equity capital to assets | 9.9433% | 3,914 |
| Core capital (leverage) ratio | 10.0191% | 3,551 |
| Tier 1 risk-based capital ratio | 13.7326% | 4,516 |
| Total risk-based capital ratio | 14.9860% | 4,468 |
| Memoranda: | ||
| Average total assets | $242,770,500 | 2,619 |
| Average earning assets | $226,875,000 | 2,586 |
| Average equity | $24,302,500 | 2,721 |
| Average total loans | $174,512,000 | 2,293 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 821 |
| Cost of funding earning assets | 0.6059% | 2,606 |
| Net interest margin | 4.4502% | 823 |
| Noninterest income to average assets | 0.5259% | 3,583 |
| Noninterest expense to average assets | 2.4973% | 4,770 |
| Loan and lease loss provision to assets | 0.2134% | 1,718 |
| Net operating income to assets | 2.0416% | 316 |
| Return on assets (ROA) | 2.1036% | 287 |
| Pretax return on assets | 2.1036% | 380 |
| Return on Equity (ROE) | 21.7983% | 205 |
| Retained earnings to average equity (ytd only) | 1.1127% | 5,331 |
| Net charge-offs to loans | 0.1175% | 3,638 |
| Credit loss provision to net charge-offs | 261.2360% | 867 |
| Earnings coverage of net charge-offs (x) | 27.6067% | 1,268 |
| Efficiency ratio | 52.5492% | 6,244 |
| Assets per employee ($millions) | 4.1187% | 3,603 |
| Cash dividends to net income (ytd only)* | 94.8953% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,013 |
| Loan loss allowance to noncurrent loans | 449.1379% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 5,547 |
| Noncurrent loans to loans | 0.3426% | 5,162 |
| Net loans and leases to total assets | 69.7713% | 2,054 |
| Net loans and leases to deposits | 88.0069% | 1,464 |
| Net loans and leases to core deposits | 99.1782% | 1,217 |
| Total domestic deposits to total assets | 79.2793% | 5,607 |
| Equity capital to assets | 10.0799% | 3,659 |
| Core capital (leverage) ratio | 10.3902% | 3,031 |
| Tier 1 risk-based capital ratio | 14.1162% | 4,218 |
| Total risk-based capital ratio | 15.3695% | 4,164 |
| Memoranda: | ||
| Average total assets | $217,914,800 | 2,830 |
| Average earning assets | $206,954,800 | 2,759 |
| Average equity | $21,029,200 | 3,036 |
| Average total loans | $151,511,600 | 2,541 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 993 |
| Cost of funding earning assets | 0.6068% | 2,756 |
| Net interest margin | 4.3658% | 956 |
| Noninterest income to average assets | 0.4094% | 4,462 |
| Noninterest expense to average assets | 2.2638% | 5,451 |
| Loan and lease loss provision to assets | 0.1191% | 2,810 |
| Net operating income to assets | 2.1855% | 268 |
| Return on assets (ROA) | 2.2695% | 239 |
| Pretax return on assets | 2.2695% | 344 |
| Return on Equity (ROE) | 23.8151% | 146 |
| Retained earnings to average equity (ytd only) | 1.4473% | 5,406 |
| Net charge-offs to loans | 0.0707% | 3,918 |
| Credit loss provision to net charge-offs | 243.5897% | 1,016 |
| Earnings coverage of net charge-offs (x) | 47.1270% | 899 |
| Efficiency ratio | 49.5540% | 6,419 |
| Assets per employee ($millions) | 3.7453% | 4,359 |
| Cash dividends to net income (ytd only)* | 93.9226% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,281 |
| Loan loss allowance to noncurrent loans | 864.7687% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 6,052 |
| Noncurrent loans to loans | 0.1781% | 5,796 |
| Net loans and leases to total assets | 70.3163% | 1,909 |
| Net loans and leases to deposits | 90.2501% | 1,136 |
| Net loans and leases to core deposits | 96.3507% | 1,362 |
| Total domestic deposits to total assets | 77.9127% | 5,920 |
| Equity capital to assets | 9.0839% | 5,076 |
| Core capital (leverage) ratio | 9.1741% | 4,873 |
| Tier 1 risk-based capital ratio | 13.2977% | 4,904 |
| Total risk-based capital ratio | 14.5520% | 4,840 |
| Memoranda: | ||
| Average total assets | $212,673,000 | 2,914 |
| Average earning assets | $202,597,750 | 2,819 |
| Average equity | $20,266,750 | 3,160 |
| Average total loans | $147,070,500 | 2,615 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 986 |
| Cost of funding earning assets | 0.6101% | 2,842 |
| Net interest margin | 4.3468% | 945 |
| Noninterest income to average assets | 0.4259% | 4,334 |
| Noninterest expense to average assets | 2.2115% | 5,603 |
| Loan and lease loss provision to assets | 0.0953% | 3,201 |
| Net operating income to assets | 2.2734% | 226 |
| Return on assets (ROA) | 2.4011% | 205 |
| Pretax return on assets | 2.4011% | 306 |
| Return on Equity (ROE) | 24.7893% | 129 |
| Retained earnings to average equity (ytd only) | -0.7870% | 6,007 |
| Net charge-offs to loans | 0.0279% | 4,304 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 124.3000% | 391 |
| Efficiency ratio | 48.2838% | 6,520 |
| Assets per employee ($millions) | 3.7583% | 4,286 |
| Cash dividends to net income (ytd only)* | 103.1746% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,367 |
| Loan loss allowance to noncurrent loans | 579.2271% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 5,922 |
| Noncurrent loans to loans | 0.2675% | 5,642 |
| Net loans and leases to total assets | 69.8897% | 1,907 |
| Net loans and leases to deposits | 88.3970% | 1,292 |
| Net loans and leases to core deposits | 94.3652% | 1,491 |
| Total domestic deposits to total assets | 79.0634% | 5,793 |
| Equity capital to assets | 9.0962% | 5,107 |
| Core capital (leverage) ratio | 9.2550% | 4,619 |
| Tier 1 risk-based capital ratio | 13.8175% | 4,547 |
| Total risk-based capital ratio | 15.0541% | 4,529 |
| Memoranda: | ||
| Average total assets | $209,906,330 | 2,955 |
| Average earning assets | $200,608,000 | 2,867 |
| Average equity | $20,331,330 | 3,176 |
| Average total loans | $143,490,670 | 2,666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 1,100 |
| Cost of funding earning assets | 0.6143% | 2,975 |
| Net interest margin | 4.2816% | 1,001 |
| Noninterest income to average assets | 0.5129% | 3,689 |
| Noninterest expense to average assets | 2.2072% | 5,667 |
| Loan and lease loss provision to assets | -0.0486% | 6,791 |
| Net operating income to assets | 2.4579% | 165 |
| Return on assets (ROA) | 2.4579% | 178 |
| Pretax return on assets | 2.4579% | 283 |
| Return on Equity (ROE) | 24.5834% | 131 |
| Retained earnings to average equity (ytd only) | 10.0083% | 1,104 |
| Net charge-offs to loans | -0.2118% | 6,693 |
| Credit loss provision to net charge-offs | 34.2466% | 2,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8114% | 6,616 |
| Assets per employee ($millions) | 3.6379% | 4,706 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 2,947 |
| Loan loss allowance to noncurrent loans | 421.7469% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 5,750 |
| Noncurrent loans to loans | 0.4067% | 5,403 |
| Net loans and leases to total assets | 65.3849% | 2,481 |
| Net loans and leases to deposits | 81.2888% | 1,924 |
| Net loans and leases to core deposits | 86.9647% | 2,016 |
| Total domestic deposits to total assets | 80.4353% | 5,659 |
| Equity capital to assets | 10.0437% | 4,093 |
| Core capital (leverage) ratio | 9.8063% | 3,654 |
| Tier 1 risk-based capital ratio | 15.5554% | 3,500 |
| Total risk-based capital ratio | 16.8127% | 3,455 |
| Memoranda: | ||
| Average total assets | $205,868,500 | 3,028 |
| Average earning assets | $197,311,500 | 2,929 |
| Average equity | $20,583,000 | 3,190 |
| Average total loans | $137,863,500 | 2,764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 1,101 |
| Cost of funding earning assets | 0.7091% | 3,423 |
| Net interest margin | 4.4994% | 951 |
| Noninterest income to average assets | 1.0928% | 1,295 |
| Noninterest expense to average assets | 2.7466% | 4,229 |
| Loan and lease loss provision to assets | 0.2800% | 2,412 |
| Net operating income to assets | 2.3669% | 189 |
| Return on assets (ROA) | 2.3669% | 203 |
| Pretax return on assets | 2.3669% | 305 |
| Return on Equity (ROE) | 24.3674% | 144 |
| Retained earnings to average equity (ytd only) | 7.3016% | 1,425 |
| Net charge-offs to loans | 0.1696% | 4,018 |
| Credit loss provision to net charge-offs | 228.9157% | 1,078 |
| Earnings coverage of net charge-offs (x) | 21.6426% | 1,295 |
| Efficiency ratio | 50.9243% | 6,529 |
| Assets per employee ($millions) | 3.3504% | 5,331 |
| Cash dividends to net income (ytd only)* | 70.0353% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,996 |
| Loan loss allowance to noncurrent loans | 403.6585% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 5,848 |
| Noncurrent loans to loans | 0.4166% | 5,444 |
| Net loans and leases to total assets | 66.2804% | 2,482 |
| Net loans and leases to deposits | 82.1911% | 1,975 |
| Net loans and leases to core deposits | 88.1557% | 2,071 |
| Total domestic deposits to total assets | 80.6419% | 5,500 |
| Equity capital to assets | 9.9519% | 4,235 |
| Core capital (leverage) ratio | 9.8756% | 3,577 |
| Tier 1 risk-based capital ratio | 15.1759% | 3,627 |
| Total risk-based capital ratio | 16.4327% | 3,569 |
| Memoranda: | ||
| Average total assets | $203,600,200 | 3,006 |
| Average earning assets | $194,604,000 | 2,902 |
| Average equity | $19,776,400 | 3,222 |
| Average total loans | $146,804,000 | 2,624 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 1,029 |
| Cost of funding earning assets | 0.7354% | 3,475 |
| Net interest margin | 4.5563% | 892 |
| Noninterest income to average assets | 1.2952% | 882 |
| Noninterest expense to average assets | 2.6259% | 4,654 |
| Loan and lease loss provision to assets | 0.2819% | 2,312 |
| Net operating income to assets | 2.7412% | 132 |
| Return on assets (ROA) | 2.7412% | 139 |
| Pretax return on assets | 2.7412% | 202 |
| Return on Equity (ROE) | 28.3965% | 92 |
| Retained earnings to average equity (ytd only) | 9.5537% | 1,042 |
| Net charge-offs to loans | 0.1172% | 4,208 |
| Credit loss provision to net charge-offs | 328.2443% | 817 |
| Earnings coverage of net charge-offs (x) | 35.2066% | 966 |
| Efficiency ratio | 46.4841% | 6,799 |
| Assets per employee ($millions) | 3.3508% | 5,321 |
| Cash dividends to net income (ytd only)* | 66.3559% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 3,210 |
| Loan loss allowance to noncurrent loans | 808.4507% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 6,095 |
| Noncurrent loans to loans | 0.2079% | 6,089 |
| Net loans and leases to total assets | 66.8169% | 2,498 |
| Net loans and leases to deposits | 83.3007% | 1,958 |
| Net loans and leases to core deposits | 88.6957% | 2,135 |
| Total domestic deposits to total assets | 80.2117% | 5,598 |
| Equity capital to assets | 10.2309% | 4,161 |
| Core capital (leverage) ratio | 9.8988% | 3,687 |
| Tier 1 risk-based capital ratio | 15.1011% | 3,771 |
| Total risk-based capital ratio | 16.3567% | 3,724 |
| Memoranda: | ||
| Average total assets | $203,406,750 | 3,033 |
| Average earning assets | $194,364,250 | 2,939 |
| Average equity | $19,635,750 | 3,273 |
| Average total loans | $149,060,750 | 2,618 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4262% | 828 |
| Cost of funding earning assets | 0.7711% | 3,440 |
| Net interest margin | 4.6551% | 743 |
| Noninterest income to average assets | 1.2772% | 875 |
| Noninterest expense to average assets | 2.4438% | 5,318 |
| Loan and lease loss provision to assets | 0.2743% | 2,392 |
| Net operating income to assets | 3.0119% | 104 |
| Return on assets (ROA) | 3.0119% | 105 |
| Pretax return on assets | 3.0119% | 152 |
| Return on Equity (ROE) | 31.8246% | 70 |
| Retained earnings to average equity (ytd only) | 10.8669% | 768 |
| Net charge-offs to loans | 0.0679% | 4,479 |
| Credit loss provision to net charge-offs | 538.4615% | 567 |
| Earnings coverage of net charge-offs (x) | 64.5192% | 601 |
| Efficiency ratio | 42.6496% | 7,001 |
| Assets per employee ($millions) | 3.4199% | 5,168 |
| Cash dividends to net income (ytd only)* | 65.8537% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 4,155 |
| Loan loss allowance to noncurrent loans | 650.5848% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 6,106 |
| Noncurrent loans to loans | 0.2260% | 6,127 |
| Net loans and leases to total assets | 73.9078% | 1,260 |
| Net loans and leases to deposits | 94.2148% | 751 |
| Net loans and leases to core deposits | 101.3938% | 1,012 |
| Total domestic deposits to total assets | 78.4461% | 6,069 |
| Equity capital to assets | 9.9761% | 4,368 |
| Core capital (leverage) ratio | 9.6581% | 3,908 |
| Tier 1 risk-based capital ratio | 13.1334% | 5,091 |
| Total risk-based capital ratio | 14.3867% | 5,057 |
| Memoranda: | ||
| Average total assets | $204,193,000 | 3,039 |
| Average earning assets | $195,312,670 | 2,930 |
| Average equity | $19,324,670 | 3,306 |
| Average total loans | $153,204,330 | 2,564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4465% | 838 |
| Cost of funding earning assets | 0.8162% | 3,344 |
| Net interest margin | 4.6304% | 777 |
| Noninterest income to average assets | 0.6017% | 3,225 |
| Noninterest expense to average assets | 2.3856% | 5,520 |
| Loan and lease loss provision to assets | 0.1850% | 3,127 |
| Net operating income to assets | 2.4615% | 192 |
| Return on assets (ROA) | 2.4615% | 233 |
| Pretax return on assets | 2.4615% | 352 |
| Return on Equity (ROE) | 26.7195% | 143 |
| Retained earnings to average equity (ytd only) | 6.1091% | 2,892 |
| Net charge-offs to loans | -0.2102% | 7,002 |
| Credit loss provision to net charge-offs | -117.2840% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4071% | 6,840 |
| Assets per employee ($millions) | 3.4996% | 5,117 |
| Cash dividends to net income (ytd only)* | 77.1361% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,814 |
| Loan loss allowance to noncurrent loans | 552.9262% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,173 |
| Noncurrent loans to loans | 0.2436% | 6,201 |
| Net loans and leases to total assets | 77.0935% | 690 |
| Net loans and leases to deposits | 97.8100% | 450 |
| Net loans and leases to core deposits | 108.2034% | 603 |
| Total domestic deposits to total assets | 78.8196% | 6,121 |
| Equity capital to assets | 9.2200% | 5,207 |
| Core capital (leverage) ratio | 9.2173% | 4,486 |
| Tier 1 risk-based capital ratio | 11.6889% | 6,166 |
| Total risk-based capital ratio | 12.9401% | 6,144 |
| Memoranda: | ||
| Average total assets | $205,403,000 | 3,045 |
| Average earning assets | $196,529,000 | 2,938 |
| Average equity | $18,922,500 | 3,361 |
| Average total loans | $154,131,000 | 2,572 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 2,034 |
| Cost of funding earning assets | 0.9163% | 3,993 |
| Net interest margin | 4.2897% | 1,731 |
| Noninterest income to average assets | 0.8046% | 2,036 |
| Noninterest expense to average assets | 2.7825% | 4,409 |
| Loan and lease loss provision to assets | 0.3916% | 2,641 |
| Net operating income to assets | 1.7190% | 534 |
| Return on assets (ROA) | 1.7254% | 570 |
| Pretax return on assets | 1.7254% | 941 |
| Return on Equity (ROE) | 18.2170% | 365 |
| Retained earnings to average equity (ytd only) | -2.4586% | 6,209 |
| Net charge-offs to loans | -0.3046% | 7,246 |
| Credit loss provision to net charge-offs | -172.1311% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8659% | 6,206 |
| Assets per employee ($millions) | 3.6488% | 4,668 |
| Cash dividends to net income (ytd only)* | 113.4960% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 4,636 |
| Loan loss allowance to noncurrent loans | 1,040.1042% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 6,472 |
| Noncurrent loans to loans | 0.1307% | 6,481 |
| Net loans and leases to total assets | 70.9209% | 1,839 |
| Net loans and leases to deposits | 89.2267% | 1,239 |
| Net loans and leases to core deposits | 100.1770% | 1,161 |
| Total domestic deposits to total assets | 79.4839% | 5,873 |
| Equity capital to assets | 9.2046% | 5,276 |
| Core capital (leverage) ratio | 9.1528% | 4,544 |
| Tier 1 risk-based capital ratio | 12.4128% | 5,521 |
| Total risk-based capital ratio | 13.6641% | 5,496 |
| Memoranda: | ||
| Average total assets | $187,671,000 | 3,218 |
| Average earning assets | $178,871,800 | 3,106 |
| Average equity | $17,774,600 | 3,454 |
| Average total loans | $140,202,800 | 2,781 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 1,938 |
| Cost of funding earning assets | 0.9497% | 4,050 |
| Net interest margin | 4.3314% | 1,608 |
| Noninterest income to average assets | 1.4662% | 607 |
| Noninterest expense to average assets | 2.7450% | 4,554 |
| Loan and lease loss provision to assets | 0.4541% | 2,189 |
| Net operating income to assets | 2.3926% | 182 |
| Return on assets (ROA) | 2.4013% | 188 |
| Pretax return on assets | 2.4013% | 294 |
| Return on Equity (ROE) | 25.1570% | 124 |
| Retained earnings to average equity (ytd only) | 3.0828% | 4,489 |
| Net charge-offs to loans | -0.5274% | 7,347 |
| Credit loss provision to net charge-offs | -114.0511% | 6,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0904% | 6,880 |
| Assets per employee ($millions) | 3.4558% | 5,110 |
| Cash dividends to net income (ytd only)* | 87.7458% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,837 |
| Loan loss allowance to noncurrent loans | 31.4536% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 3.2988% | 1,926 |
| Noncurrent loans to loans | 4.2503% | 1,541 |
| Net loans and leases to total assets | 76.5748% | 899 |
| Net loans and leases to deposits | 102.0423% | 385 |
| Net loans and leases to core deposits | 114.9362% | 530 |
| Total domestic deposits to total assets | 75.0422% | 6,635 |
| Equity capital to assets | 9.2592% | 5,439 |
| Core capital (leverage) ratio | 9.1943% | 4,635 |
| Tier 1 risk-based capital ratio | 12.1836% | 5,753 |
| Total risk-based capital ratio | 13.4358% | 5,735 |
| Memoranda: | ||
| Average total assets | $183,505,750 | 3,300 |
| Average earning assets | $174,780,750 | 3,174 |
| Average equity | $17,516,250 | 3,512 |
| Average total loans | $138,525,750 | 2,840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 1,884 |
| Cost of funding earning assets | 1.0017% | 3,936 |
| Net interest margin | 4.2996% | 1,655 |
| Noninterest income to average assets | 0.8392% | 1,840 |
| Noninterest expense to average assets | 2.4322% | 5,748 |
| Loan and lease loss provision to assets | 0.2220% | 3,698 |
| Net operating income to assets | 2.2779% | 227 |
| Return on assets (ROA) | 2.2779% | 243 |
| Pretax return on assets | 2.2779% | 362 |
| Return on Equity (ROE) | 23.6106% | 174 |
| Retained earnings to average equity (ytd only) | 1.1736% | 5,390 |
| Net charge-offs to loans | -0.1426% | 7,245 |
| Credit loss provision to net charge-offs | -208.3333% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3135% | 6,984 |
| Assets per employee ($millions) | 3.5579% | 4,791 |
| Cash dividends to net income (ytd only)* | 95.0292% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 5,151 |
| Loan loss allowance to noncurrent loans | 475.9162% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 6,595 |
| Noncurrent loans to loans | 0.2689% | 6,388 |
| Net loans and leases to total assets | 75.8029% | 1,102 |
| Net loans and leases to deposits | 99.7802% | 506 |
| Net loans and leases to core deposits | 110.1950% | 714 |
| Total domestic deposits to total assets | 75.9699% | 6,600 |
| Equity capital to assets | 9.4725% | 4,854 |
| Core capital (leverage) ratio | 9.6561% | 3,724 |
| Tier 1 risk-based capital ratio | 12.8841% | 5,015 |
| Total risk-based capital ratio | 14.1353% | 4,985 |
| Memoranda: | ||
| Average total assets | $180,165,330 | 3,366 |
| Average earning assets | $171,503,670 | 3,252 |
| Average equity | $17,382,000 | 3,514 |
| Average total loans | $134,634,000 | 2,949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 1,747 |
| Cost of funding earning assets | 1.0689% | 3,726 |
| Net interest margin | 4.2731% | 1,652 |
| Noninterest income to average assets | 0.9992% | 1,331 |
| Noninterest expense to average assets | 2.3585% | 6,021 |
| Loan and lease loss provision to assets | 0.2250% | 3,410 |
| Net operating income to assets | 2.4732% | 183 |
| Return on assets (ROA) | 2.4732% | 189 |
| Pretax return on assets | 2.4732% | 256 |
| Return on Equity (ROE) | 25.3950% | 156 |
| Retained earnings to average equity (ytd only) | 4.0207% | 3,759 |
| Net charge-offs to loans | 0.0489% | 4,448 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 74.9375% | 414 |
| Efficiency ratio | 46.6400% | 7,174 |
| Assets per employee ($millions) | 3.0634% | 6,018 |
| Cash dividends to net income (ytd only)* | 84.1674% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,986 |
| Loan loss allowance to noncurrent loans | 457.6000% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 6,638 |
| Noncurrent loans to loans | 0.2908% | 6,404 |
| Net loans and leases to total assets | 71.6103% | 1,793 |
| Net loans and leases to deposits | 92.3693% | 985 |
| Net loans and leases to core deposits | 98.8625% | 1,443 |
| Total domestic deposits to total assets | 77.5261% | 6,441 |
| Equity capital to assets | 9.8049% | 4,028 |
| Core capital (leverage) ratio | 9.6867% | 3,545 |
| Tier 1 risk-based capital ratio | 13.9061% | 4,137 |
| Total risk-based capital ratio | 15.1579% | 4,110 |
| Memoranda: | ||
| Average total assets | $177,743,000 | 3,419 |
| Average earning assets | $168,777,000 | 3,318 |
| Average equity | $17,310,500 | 3,522 |
| Average total loans | $130,920,500 | 3,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7778% | 1,337 |
| Cost of funding earning assets | 1.4643% | 2,864 |
| Net interest margin | 4.3135% | 1,778 |
| Noninterest income to average assets | 0.4566% | 4,464 |
| Noninterest expense to average assets | 2.4995% | 5,800 |
| Loan and lease loss provision to assets | 0.5585% | 2,891 |
| Net operating income to assets | 1.4854% | 791 |
| Return on assets (ROA) | 1.5661% | 723 |
| Pretax return on assets | 1.5661% | 1,212 |
| Return on Equity (ROE) | 17.0687% | 471 |
| Retained earnings to average equity (ytd only) | 3.1120% | 3,684 |
| Net charge-offs to loans | 0.7346% | 2,818 |
| Credit loss provision to net charge-offs | 102.8084% | 4,394 |
| Earnings coverage of net charge-offs (x) | 3.7623% | 3,202 |
| Efficiency ratio | 55.0132% | 6,710 |
| Assets per employee ($millions) | 3.4865% | 4,962 |
| Cash dividends to net income (ytd only)* | 81.7676% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 5,376 |
| Loan loss allowance to noncurrent loans | 107.5099% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 5,300 |
| Noncurrent loans to loans | 1.1423% | 4,827 |
| Net loans and leases to total assets | 73.8197% | 1,695 |
| Net loans and leases to deposits | 101.5544% | 502 |
| Net loans and leases to core deposits | 108.6402% | 1,006 |
| Total domestic deposits to total assets | 72.6898% | 7,027 |
| Equity capital to assets | 9.6733% | 4,180 |
| Core capital (leverage) ratio | 9.6004% | 3,557 |
| Tier 1 risk-based capital ratio | 14.5786% | 3,494 |
| Total risk-based capital ratio | 15.8303% | 3,453 |
| Memoranda: | ||
| Average total assets | $183,518,200 | 3,321 |
| Average earning assets | $173,872,600 | 3,207 |
| Average equity | $16,837,800 | 3,622 |
| Average total loans | $135,724,000 | 3,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8898% | 1,158 |
| Cost of funding earning assets | 1.5261% | 2,798 |
| Net interest margin | 4.3637% | 1,631 |
| Noninterest income to average assets | 0.4599% | 4,481 |
| Noninterest expense to average assets | 2.3870% | 6,071 |
| Loan and lease loss provision to assets | 0.6488% | 2,358 |
| Net operating income to assets | 1.5593% | 810 |
| Return on assets (ROA) | 1.6660% | 715 |
| Pretax return on assets | 1.6660% | 1,176 |
| Return on Equity (ROE) | 18.3986% | 447 |
| Retained earnings to average equity (ytd only) | 4.8644% | 3,075 |
| Net charge-offs to loans | 0.9079% | 2,185 |
| Credit loss provision to net charge-offs | 96.8784% | 4,472 |
| Earnings coverage of net charge-offs (x) | 3.2971% | 3,500 |
| Efficiency ratio | 51.9454% | 6,981 |
| Assets per employee ($millions) | 3.2662% | 5,549 |
| Cash dividends to net income (ytd only)* | 73.5611% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,587 |
| Loan loss allowance to noncurrent loans | 73.6670% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 4,661 |
| Noncurrent loans to loans | 1.6030% | 4,241 |
| Net loans and leases to total assets | 72.0607% | 2,240 |
| Net loans and leases to deposits | 96.2157% | 960 |
| Net loans and leases to core deposits | 103.4877% | 1,528 |
| Total domestic deposits to total assets | 74.8949% | 6,812 |
| Equity capital to assets | 9.5655% | 4,743 |
| Core capital (leverage) ratio | 9.4809% | 3,932 |
| Tier 1 risk-based capital ratio | 13.7407% | 4,026 |
| Total risk-based capital ratio | 14.9910% | 3,983 |
| Memoranda: | ||
| Average total assets | $184,945,500 | 3,347 |
| Average earning assets | $175,258,750 | 3,226 |
| Average equity | $16,747,250 | 3,690 |
| Average total loans | $136,432,500 | 3,047 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 2,145 |
| Cost of funding earning assets | 1.5999% | 2,654 |
| Net interest margin | 3.9974% | 3,025 |
| Noninterest income to average assets | 0.4482% | 4,530 |
| Noninterest expense to average assets | 2.2809% | 6,401 |
| Loan and lease loss provision to assets | 0.2694% | 4,236 |
| Net operating income to assets | 1.6830% | 605 |
| Return on assets (ROA) | 1.8424% | 486 |
| Pretax return on assets | 1.8424% | 819 |
| Return on Equity (ROE) | 20.7302% | 273 |
| Retained earnings to average equity (ytd only) | 8.3042% | 1,333 |
| Net charge-offs to loans | 0.4307% | 3,270 |
| Credit loss provision to net charge-offs | 84.4595% | 4,583 |
| Earnings coverage of net charge-offs (x) | 6.1216% | 2,520 |
| Efficiency ratio | 53.8814% | 6,895 |
| Assets per employee ($millions) | 3.1694% | 5,741 |
| Cash dividends to net income (ytd only)* | 59.9415% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 5,771 |
| Loan loss allowance to noncurrent loans | 84.9046% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 5,111 |
| Noncurrent loans to loans | 1.3365% | 4,714 |
| Net loans and leases to total assets | 75.1394% | 1,663 |
| Net loans and leases to deposits | 102.9549% | 537 |
| Net loans and leases to core deposits | 111.4905% | 1,062 |
| Total domestic deposits to total assets | 72.9828% | 7,101 |
| Equity capital to assets | 9.6820% | 4,426 |
| Core capital (leverage) ratio | 9.4634% | 3,870 |
| Tier 1 risk-based capital ratio | 13.5661% | 4,029 |
| Total risk-based capital ratio | 14.8015% | 4,003 |
| Memoranda: | ||
| Average total assets | $185,625,000 | 3,365 |
| Average earning assets | $175,765,670 | 3,242 |
| Average equity | $16,497,670 | 3,722 |
| Average total loans | $137,450,330 | 3,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 2,057 |
| Cost of funding earning assets | 1.5502% | 3,265 |
| Net interest margin | 4.0739% | 2,552 |
| Noninterest income to average assets | 0.3891% | 5,007 |
| Noninterest expense to average assets | 2.1860% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0647% | 310 |
| Return on assets (ROA) | 2.3795% | 199 |
| Pretax return on assets | 2.3795% | 303 |
| Return on Equity (ROE) | 27.9733% | 110 |
| Retained earnings to average equity (ytd only) | 22.9736% | 137 |
| Net charge-offs to loans | -0.0698% | 7,443 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4257% | 7,197 |
| Assets per employee ($millions) | 3.1119% | 5,974 |
| Cash dividends to net income (ytd only)* | 17.8731% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,597 |
| Loan loss allowance to noncurrent loans | 34.7789% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 2.5070% | 2,899 |
| Noncurrent loans to loans | 3.3954% | 2,358 |
| Net loans and leases to total assets | 72.9640% | 2,213 |
| Net loans and leases to deposits | 100.7030% | 715 |
| Net loans and leases to core deposits | 108.3380% | 1,394 |
| Total domestic deposits to total assets | 72.4547% | 7,221 |
| Equity capital to assets | 9.4990% | 4,534 |
| Core capital (leverage) ratio | 9.1114% | 4,353 |
| Tier 1 risk-based capital ratio | 13.0001% | 4,334 |
| Total risk-based capital ratio | 14.2200% | 4,335 |
| Memoranda: | ||
| Average total assets | $188,110,000 | 3,388 |
| Average earning assets | $178,304,500 | 3,277 |
| Average equity | $16,001,000 | 3,825 |
| Average total loans | $137,525,000 | 3,120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1402% | 1,404 |
| Cost of funding earning assets | 1.8666% | 3,636 |
| Net interest margin | 4.2736% | 1,806 |
| Noninterest income to average assets | 0.4935% | 4,464 |
| Noninterest expense to average assets | 2.4684% | 6,246 |
| Loan and lease loss provision to assets | 0.3944% | 4,429 |
| Net operating income to assets | 1.6702% | 471 |
| Return on assets (ROA) | 1.7665% | 407 |
| Pretax return on assets | 1.7665% | 679 |
| Return on Equity (ROE) | 21.9924% | 167 |
| Retained earnings to average equity (ytd only) | -1.2734% | 5,338 |
| Net charge-offs to loans | 0.0367% | 6,756 |
| Credit loss provision to net charge-offs | 1,421.5686% | 212 |
| Earnings coverage of net charge-offs (x) | 74.4118% | 367 |
| Efficiency ratio | 54.4527% | 7,181 |
| Assets per employee ($millions) | 3.5094% | 4,986 |
| Cash dividends to net income (ytd only)* | 105.7900% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 71.5460% | 2,875 |
| Net loans and leases to deposits | 96.9600% | 1,211 |
| Net loans and leases to core deposits | 130.8486% | 1,234 |
| Total domestic deposits to total assets | 73.7892% | 7,047 |
| Equity capital to assets | 7.5280% | 7,009 |
| Core capital (leverage) ratio | 7.4995% | 6,790 |
| Tier 1 risk-based capital ratio | 10.1064% | 6,785 |
| Total risk-based capital ratio | 11.2835% | 6,810 |
| Memoranda: | ||
| Average total assets | $183,805,400 | 3,369 |
| Average earning assets | $173,740,000 | 3,295 |
| Average equity | $14,764,200 | 4,104 |
| Average total loans | $138,966,200 | 3,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2460% | 1,252 |
| Cost of funding earning assets | 1.8918% | 3,922 |
| Net interest margin | 4.3542% | 1,580 |
| Noninterest income to average assets | 0.4993% | 4,486 |
| Noninterest expense to average assets | 2.2831% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.3335% | 146 |
| Return on assets (ROA) | 2.4629% | 121 |
| Pretax return on assets | 2.4629% | 205 |
| Return on Equity (ROE) | 30.1697% | 60 |
| Retained earnings to average equity (ytd only) | 4.7820% | 2,616 |
| Net charge-offs to loans | -0.1712% | 7,963 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4537% | 7,591 |
| Assets per employee ($millions) | 3.5818% | 4,730 |
| Cash dividends to net income (ytd only)* | 84.1497% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 7,191 |
| Loan loss allowance to noncurrent loans | 1,736.9231% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 7,491 |
| Noncurrent loans to loans | 0.0447% | 7,399 |
| Net loans and leases to total assets | 77.4630% | 1,674 |
| Net loans and leases to deposits | 111.8339% | 400 |
| Net loans and leases to core deposits | 144.8894% | 733 |
| Total domestic deposits to total assets | 69.2662% | 7,477 |
| Equity capital to assets | 8.0997% | 6,743 |
| Core capital (leverage) ratio | 7.8292% | 6,581 |
| Tier 1 risk-based capital ratio | 9.9258% | 7,037 |
| Total risk-based capital ratio | 10.6899% | 7,377 |
| Memoranda: | ||
| Average total assets | $182,380,250 | 3,428 |
| Average earning assets | $172,457,250 | 3,341 |
| Average equity | $14,888,750 | 4,117 |
| Average total loans | $139,410,750 | 3,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1493% | 1,618 |
| Cost of funding earning assets | 1.9023% | 4,252 |
| Net interest margin | 4.2470% | 1,829 |
| Noninterest income to average assets | 0.4904% | 4,530 |
| Noninterest expense to average assets | 2.1581% | 7,156 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3392% | 148 |
| Return on assets (ROA) | 2.5347% | 117 |
| Pretax return on assets | 2.5347% | 200 |
| Return on Equity (ROE) | 30.9654% | 64 |
| Retained earnings to average equity (ytd only) | 3.9803% | 3,069 |
| Net charge-offs to loans | -0.2125% | 8,033 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9862% | 7,758 |
| Assets per employee ($millions) | 3.2830% | 5,363 |
| Cash dividends to net income (ytd only)* | 87.1460% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 7,073 |
| Loan loss allowance to noncurrent loans | 1,686.1538% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 7,516 |
| Noncurrent loans to loans | 0.0488% | 7,417 |
| Net loans and leases to total assets | 73.1426% | 2,922 |
| Net loans and leases to deposits | 104.1405% | 900 |
| Net loans and leases to core deposits | 133.1901% | 1,359 |
| Total domestic deposits to total assets | 70.2345% | 7,448 |
| Equity capital to assets | 8.1727% | 6,531 |
| Core capital (leverage) ratio | 7.9083% | 6,477 |
| Tier 1 risk-based capital ratio | 10.4742% | 6,399 |
| Total risk-based capital ratio | 11.2700% | 6,831 |
| Memoranda: | ||
| Average total assets | $181,089,000 | 3,463 |
| Average earning assets | $170,849,000 | 3,379 |
| Average equity | $14,823,000 | 4,143 |
| Average total loans | $137,412,000 | 3,200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1123% | 1,902 |
| Cost of funding earning assets | 1.8516% | 4,869 |
| Net interest margin | 4.2607% | 1,700 |
| Noninterest income to average assets | 0.5249% | 4,097 |
| Noninterest expense to average assets | 2.0072% | 7,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5475% | 121 |
| Return on assets (ROA) | 2.9181% | 90 |
| Pretax return on assets | 2.9181% | 140 |
| Return on Equity (ROE) | 35.6220% | 51 |
| Retained earnings to average equity (ytd only) | 6.0043% | 2,624 |
| Net charge-offs to loans | -0.6106% | 8,124 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0678% | 7,925 |
| Assets per employee ($millions) | 3.2259% | 5,533 |
| Cash dividends to net income (ytd only)* | 83.1444% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 7,084 |
| Loan loss allowance to noncurrent loans | 122.1639% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 5,943 |
| Noncurrent loans to loans | 0.6716% | 5,729 |
| Net loans and leases to total assets | 75.1395% | 2,468 |
| Net loans and leases to deposits | 107.5195% | 755 |
| Net loans and leases to core deposits | 135.7034% | 1,328 |
| Total domestic deposits to total assets | 69.8846% | 7,436 |
| Equity capital to assets | 7.9353% | 6,909 |
| Core capital (leverage) ratio | 7.8815% | 6,649 |
| Tier 1 risk-based capital ratio | 9.8800% | 7,059 |
| Total risk-based capital ratio | 10.6805% | 7,437 |
| Memoranda: | ||
| Average total assets | $181,351,000 | 3,485 |
| Average earning assets | $171,523,000 | 3,398 |
| Average equity | $14,856,000 | 4,163 |
| Average total loans | $139,535,000 | 3,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1005% | 915 |
| Cost of funding earning assets | 2.1584% | 5,785 |
| Net interest margin | 4.9421% | 578 |
| Noninterest income to average assets | 0.6495% | 3,480 |
| Noninterest expense to average assets | 2.8654% | 4,551 |
| Loan and lease loss provision to assets | 0.2326% | 4,571 |
| Net operating income to assets | 2.2019% | 238 |
| Return on assets (ROA) | 2.3554% | 168 |
| Pretax return on assets | 2.3554% | 268 |
| Return on Equity (ROE) | 28.0307% | 80 |
| Retained earnings to average equity (ytd only) | 7.6183% | 959 |
| Net charge-offs to loans | 0.4030% | 2,796 |
| Credit loss provision to net charge-offs | 77.6699% | 5,946 |
| Earnings coverage of net charge-offs (x) | 8.1301% | 2,934 |
| Efficiency ratio | 54.0647% | 7,259 |
| Assets per employee ($millions) | 3.0276% | 5,992 |
| Cash dividends to net income (ytd only)* | 72.8215% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 7,455 |
| Loan loss allowance to noncurrent loans | 437.7880% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 7,083 |
| Noncurrent loans to loans | 0.1580% | 6,935 |
| Net loans and leases to total assets | 77.6591% | 2,226 |
| Net loans and leases to deposits | 108.3092% | 950 |
| Net loans and leases to core deposits | 134.3438% | 1,579 |
| Total domestic deposits to total assets | 71.7013% | 7,057 |
| Equity capital to assets | 8.4652% | 6,150 |
| Core capital (leverage) ratio | 8.2386% | 6,082 |
| Tier 1 risk-based capital ratio | 10.1388% | 6,585 |
| Total risk-based capital ratio | 10.8203% | 7,136 |
| Memoranda: | ||
| Average total assets | $171,985,600 | 3,518 |
| Average earning assets | $161,834,000 | 3,440 |
| Average equity | $14,452,000 | 4,245 |
| Average total loans | $127,788,600 | 3,307 |