Home > Washington State Bank > Performance and Condition Ratios
Washington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 1,857 |
| Cost of funding earning assets | 1.9613% | 976 |
| Net interest margin | 3.1355% | 3,015 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.3747% | 4,403 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.3669% | 1,285 |
| Return on assets (ROA) | 1.3868% | 1,211 |
| Pretax return on assets | 1.7425% | 978 |
| Return on Equity (ROE) | 17.2000% | 924 |
| Retained earnings to average equity (ytd only) | 10.4694% | 913 |
| Net charge-offs to loans | 0.0011% | 2,833 |
| Credit loss provision to net charge-offs | 17,833.3333% | 25 |
| Earnings coverage of net charge-offs (x) | 3,312.3333% | 38 |
| Efficiency ratio | 43.0283% | 4,286 |
| Assets per employee ($millions) | 11.7357% | 439 |
| Cash dividends to net income (ytd only)* | 39.1362% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 1,959 |
| Loan loss allowance to noncurrent loans | 365.7005% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 2,308 |
| Noncurrent loans to loans | 0.3450% | 1,946 |
| Net loans and leases to total assets | 52.5900% | 3,447 |
| Net loans and leases to deposits | 61.3287% | 3,450 |
| Net loans and leases to core deposits | 83.3056% | 2,507 |
| Total domestic deposits to total assets | 85.7500% | 2,088 |
| Equity capital to assets | 8.2838% | 3,216 |
| Core capital (leverage) ratio | 12.1302% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5058% | 649 |
| Memoranda: | ||
| Average total assets | $545,935,600 | 1,629 |
| Average earning assets | $501,457,200 | 1,631 |
| Average equity | $44,013,800 | 1,760 |
| Average total loans | $279,206,200 | 1,877 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 1,851 |
| Cost of funding earning assets | 1.8556% | 922 |
| Net interest margin | 3.1312% | 3,078 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.3877% | 4,407 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3969% | 1,322 |
| Return on assets (ROA) | 1.4239% | 1,249 |
| Pretax return on assets | 1.7910% | 1,022 |
| Return on Equity (ROE) | 17.7900% | 974 |
| Retained earnings to average equity (ytd only) | 16.2975% | 443 |
| Net charge-offs to loans | 0.0024% | 2,462 |
| Credit loss provision to net charge-offs | 1,380.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 1,445.6000% | 107 |
| Efficiency ratio | 43.8166% | 4,239 |
| Assets per employee ($millions) | 11.6704% | 414 |
| Cash dividends to net income (ytd only)* | 8.3852% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,628 |
| Loan loss allowance to noncurrent loans | 219.2333% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 1,768 |
| Noncurrent loans to loans | 0.5238% | 1,511 |
| Net loans and leases to total assets | 52.0600% | 3,494 |
| Net loans and leases to deposits | 60.4916% | 3,482 |
| Net loans and leases to core deposits | 81.9391% | 2,474 |
| Total domestic deposits to total assets | 86.0500% | 2,177 |
| Equity capital to assets | 8.3521% | 2,825 |
| Core capital (leverage) ratio | 12.5302% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6152% | 650 |
| Memoranda: | ||
| Average total assets | $541,590,750 | 1,641 |
| Average earning assets | $496,279,500 | 1,645 |
| Average equity | $43,351,250 | 1,768 |
| Average total loans | $274,000,500 | 1,901 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 1,852 |
| Cost of funding earning assets | 1.7384% | 832 |
| Net interest margin | 3.1247% | 3,165 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.3785% | 4,432 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4044% | 1,318 |
| Return on assets (ROA) | 1.4445% | 1,214 |
| Pretax return on assets | 1.8191% | 977 |
| Return on Equity (ROE) | 18.3200% | 915 |
| Retained earnings to average equity (ytd only) | 16.8019% | 405 |
| Net charge-offs to loans | -0.0015% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.4991% | 4,277 |
| Assets per employee ($millions) | 11.6237% | 421 |
| Cash dividends to net income (ytd only)* | 8.2670% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,526 |
| Loan loss allowance to noncurrent loans | 250.3040% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 1,988 |
| Noncurrent loans to loans | 0.4724% | 1,530 |
| Net loans and leases to total assets | 50.3900% | 3,535 |
| Net loans and leases to deposits | 59.9970% | 3,416 |
| Net loans and leases to core deposits | 77.6842% | 2,641 |
| Total domestic deposits to total assets | 83.9800% | 2,820 |
| Equity capital to assets | 8.1547% | 3,113 |
| Core capital (leverage) ratio | 12.4506% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9055% | 642 |
| Memoranda: | ||
| Average total assets | $539,285,000 | 1,638 |
| Average earning assets | $493,547,333 | 1,653 |
| Average equity | $42,531,000 | 1,798 |
| Average total loans | $269,051,667 | 1,915 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 1,806 |
| Cost of funding earning assets | 1.6167% | 677 |
| Net interest margin | 3.1008% | 3,344 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.3663% | 4,492 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5329% | 1,111 |
| Return on assets (ROA) | 1.5634% | 1,045 |
| Pretax return on assets | 1.8426% | 998 |
| Return on Equity (ROE) | 20.1700% | 744 |
| Retained earnings to average equity (ytd only) | 18.6409% | 465 |
| Net charge-offs to loans | -0.0015% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.7570% | 4,356 |
| Assets per employee ($millions) | 11.3789% | 468 |
| Cash dividends to net income (ytd only)* | 7.5931% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,387 |
| Loan loss allowance to noncurrent loans | 299.0834% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,136 |
| Noncurrent loans to loans | 0.4114% | 1,699 |
| Net loans and leases to total assets | 47.9500% | 3,635 |
| Net loans and leases to deposits | 57.0273% | 3,510 |
| Net loans and leases to core deposits | 75.9682% | 2,531 |
| Total domestic deposits to total assets | 84.0900% | 3,076 |
| Equity capital to assets | 7.6710% | 3,462 |
| Core capital (leverage) ratio | 12.2304% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2108% | 638 |
| Memoranda: | ||
| Average total assets | $535,771,000 | 1,666 |
| Average earning assets | $492,128,500 | 1,673 |
| Average equity | $41,521,500 | 1,853 |
| Average total loans | $264,297,000 | 1,954 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 2,141 |
| Cost of funding earning assets | 0.8144% | 368 |
| Net interest margin | 3.0340% | 3,345 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.4282% | 4,490 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4025% | 1,126 |
| Return on assets (ROA) | 1.3438% | 1,258 |
| Pretax return on assets | 1.5365% | 1,338 |
| Return on Equity (ROE) | 19.1500% | 552 |
| Retained earnings to average equity (ytd only) | 12.9092% | 525 |
| Net charge-offs to loans | 0.0099% | 2,003 |
| Credit loss provision to net charge-offs | 1,958.3333% | 266 |
| Earnings coverage of net charge-offs (x) | 355.3333% | 430 |
| Efficiency ratio | 45.6919% | 4,362 |
| Assets per employee ($millions) | 11.3343% | 464 |
| Cash dividends to net income (ytd only)* | 32.5878% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,222 |
| Loan loss allowance to noncurrent loans | 287.8761% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,019 |
| Noncurrent loans to loans | 0.4290% | 1,641 |
| Net loans and leases to total assets | 49.9000% | 3,508 |
| Net loans and leases to deposits | 57.0417% | 3,511 |
| Net loans and leases to core deposits | 76.2660% | 2,399 |
| Total domestic deposits to total assets | 87.4800% | 2,240 |
| Equity capital to assets | 7.1288% | 3,601 |
| Core capital (leverage) ratio | 11.9059% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8753% | 634 |
| Memoranda: | ||
| Average total assets | $502,390,600 | 1,715 |
| Average earning assets | $466,736,200 | 1,710 |
| Average equity | $35,253,800 | 2,099 |
| Average total loans | $242,826,400 | 1,985 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 2,362 |
| Cost of funding earning assets | 0.6318% | 370 |
| Net interest margin | 2.9634% | 3,316 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.4045% | 4,507 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4423% | 971 |
| Return on assets (ROA) | 1.3643% | 1,154 |
| Pretax return on assets | 1.5749% | 1,189 |
| Return on Equity (ROE) | 16.4800% | 894 |
| Retained earnings to average equity (ytd only) | 16.4785% | 247 |
| Net charge-offs to loans | 0.0028% | 2,145 |
| Credit loss provision to net charge-offs | 1,800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 1,278.0000% | 107 |
| Efficiency ratio | 45.4126% | 4,406 |
| Assets per employee ($millions) | 12.1427% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 2,870 |
| Loan loss allowance to noncurrent loans | 218.7595% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 1,953 |
| Noncurrent loans to loans | 0.5176% | 1,503 |
| Net loans and leases to total assets | 48.3600% | 3,594 |
| Net loans and leases to deposits | 56.1689% | 3,463 |
| Net loans and leases to core deposits | 74.4831% | 2,313 |
| Total domestic deposits to total assets | 86.1000% | 3,044 |
| Equity capital to assets | 6.9269% | 3,555 |
| Core capital (leverage) ratio | 10.3182% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9636% | 994 |
| Memoranda: | ||
| Average total assets | $504,651,750 | 1,715 |
| Average earning assets | $470,618,250 | 1,705 |
| Average equity | $41,782,750 | 1,891 |
| Average total loans | $237,681,250 | 2,012 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 2,349 |
| Cost of funding earning assets | 0.5407% | 418 |
| Net interest margin | 2.8880% | 3,202 |
| Noninterest income to average assets | 0.2939% | 3,406 |
| Noninterest expense to average assets | 1.4017% | 4,527 |
| Loan and lease loss provision to assets | 0.0241% | 2,164 |
| Net operating income to assets | 1.3556% | 1,010 |
| Return on assets (ROA) | 1.3556% | 992 |
| Pretax return on assets | 1.5749% | 999 |
| Return on Equity (ROE) | 15.4899% | 799 |
| Retained earnings to average equity (ytd only) | 15.4899% | 225 |
| Net charge-offs to loans | 0.0060% | 1,779 |
| Credit loss provision to net charge-offs | 857.1429% | 456 |
| Earnings coverage of net charge-offs (x) | 569.7143% | 230 |
| Efficiency ratio | 46.7130% | 4,414 |
| Assets per employee ($millions) | 11.1610% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,755 |
| Loan loss allowance to noncurrent loans | 223.2631% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 2,037 |
| Noncurrent loans to loans | 0.5315% | 1,559 |
| Net loans and leases to total assets | 46.3846% | 3,689 |
| Net loans and leases to deposits | 53.0980% | 3,600 |
| Net loans and leases to core deposits | 67.4921% | 2,698 |
| Total domestic deposits to total assets | 87.3566% | 2,811 |
| Equity capital to assets | 7.2845% | 3,608 |
| Core capital (leverage) ratio | 10.3114% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3573% | 942 |
| Memoranda: | ||
| Average total assets | $498,823,333 | 1,729 |
| Average earning assets | $467,516,667 | 1,727 |
| Average equity | $43,654,333 | 1,870 |
| Average total loans | $231,774,000 | 2,042 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4414% | 1,970 |
| Cost of funding earning assets | 0.5224% | 446 |
| Net interest margin | 2.9190% | 2,772 |
| Noninterest income to average assets | 0.3385% | 3,066 |
| Noninterest expense to average assets | 1.4396% | 4,492 |
| Loan and lease loss provision to assets | 0.0244% | 1,922 |
| Net operating income to assets | 1.3932% | 813 |
| Return on assets (ROA) | 1.3932% | 808 |
| Pretax return on assets | 1.6349% | 782 |
| Return on Equity (ROE) | 14.6381% | 712 |
| Retained earnings to average equity (ytd only) | 14.6381% | 319 |
| Net charge-offs to loans | -0.0088% | 3,534 |
| Credit loss provision to net charge-offs | -600.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4548% | 4,473 |
| Assets per employee ($millions) | 11.3403% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,615 |
| Loan loss allowance to noncurrent loans | 173.1871% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 1,800 |
| Noncurrent loans to loans | 0.7204% | 1,317 |
| Net loans and leases to total assets | 45.0795% | 3,647 |
| Net loans and leases to deposits | 50.5247% | 3,695 |
| Net loans and leases to core deposits | 62.3123% | 2,942 |
| Total domestic deposits to total assets | 89.2227% | 1,963 |
| Equity capital to assets | 8.7033% | 2,971 |
| Core capital (leverage) ratio | 10.1760% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2708% | 864 |
| Memoranda: | ||
| Average total assets | $491,532,500 | 1,755 |
| Average earning assets | $464,813,500 | 1,741 |
| Average equity | $46,782,000 | 1,825 |
| Average total loans | $227,160,500 | 2,066 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2632% | 3,316 |
| Cost of funding earning assets | 0.5031% | 917 |
| Net interest margin | 2.7602% | 3,753 |
| Noninterest income to average assets | 0.4362% | 2,876 |
| Noninterest expense to average assets | 1.5313% | 4,503 |
| Loan and lease loss provision to assets | 0.0912% | 1,370 |
| Net operating income to assets | 1.2295% | 1,819 |
| Return on assets (ROA) | 1.2347% | 1,856 |
| Pretax return on assets | 1.4363% | 1,928 |
| Return on Equity (ROE) | 11.3347% | 2,045 |
| Retained earnings to average equity (ytd only) | 7.0750% | 1,892 |
| Net charge-offs to loans | 0.0305% | 1,626 |
| Credit loss provision to net charge-offs | 525.6410% | 779 |
| Earnings coverage of net charge-offs (x) | 87.6538% | 947 |
| Efficiency ratio | 49.7886% | 4,303 |
| Assets per employee ($millions) | 10.0852% | 645 |
| Cash dividends to net income (ytd only)* | 37.5811% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,681 |
| Loan loss allowance to noncurrent loans | 164.1520% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 1,796 |
| Noncurrent loans to loans | 0.7548% | 1,345 |
| Net loans and leases to total assets | 46.2180% | 3,671 |
| Net loans and leases to deposits | 53.0284% | 3,664 |
| Net loans and leases to core deposits | 63.3667% | 3,040 |
| Total domestic deposits to total assets | 87.1570% | 2,450 |
| Equity capital to assets | 10.3569% | 2,315 |
| Core capital (leverage) ratio | 9.9743% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1872% | 735 |
| Memoranda: | ||
| Average total assets | $449,343,000 | 1,840 |
| Average earning assets | $425,988,400 | 1,817 |
| Average equity | $48,947,000 | 1,799 |
| Average total loans | $255,322,800 | 1,900 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 3,282 |
| Cost of funding earning assets | 0.4951% | 1,071 |
| Net interest margin | 2.8444% | 3,671 |
| Noninterest income to average assets | 0.4375% | 2,898 |
| Noninterest expense to average assets | 1.5567% | 4,528 |
| Loan and lease loss provision to assets | 0.0545% | 1,892 |
| Net operating income to assets | 1.3011% | 1,827 |
| Return on assets (ROA) | 1.3011% | 1,883 |
| Pretax return on assets | 1.5189% | 1,946 |
| Return on Equity (ROE) | 11.7847% | 2,122 |
| Retained earnings to average equity (ytd only) | 11.7847% | 881 |
| Net charge-offs to loans | 0.0244% | 1,553 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 108.3333% | 831 |
| Efficiency ratio | 49.6568% | 4,250 |
| Assets per employee ($millions) | 9.7889% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,695 |
| Loan loss allowance to noncurrent loans | 268.9370% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,723 |
| Noncurrent loans to loans | 0.3879% | 2,401 |
| Net loans and leases to total assets | 52.6060% | 3,131 |
| Net loans and leases to deposits | 62.7589% | 2,975 |
| Net loans and leases to core deposits | 74.6688% | 2,175 |
| Total domestic deposits to total assets | 83.8224% | 3,503 |
| Equity capital to assets | 10.7969% | 2,166 |
| Core capital (leverage) ratio | 10.6778% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9500% | 823 |
| Memoranda: | ||
| Average total assets | $440,656,000 | 1,889 |
| Average earning assets | $417,130,750 | 1,862 |
| Average equity | $48,649,500 | 1,828 |
| Average total loans | $262,517,500 | 1,899 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 3,014 |
| Cost of funding earning assets | 0.5155% | 1,116 |
| Net interest margin | 2.9415% | 3,468 |
| Noninterest income to average assets | 0.5221% | 2,519 |
| Noninterest expense to average assets | 1.5892% | 4,523 |
| Loan and lease loss provision to assets | 0.0696% | 1,661 |
| Net operating income to assets | 1.3812% | 1,628 |
| Return on assets (ROA) | 1.3812% | 1,698 |
| Pretax return on assets | 1.6416% | 1,635 |
| Return on Equity (ROE) | 12.4115% | 1,907 |
| Retained earnings to average equity (ytd only) | 12.4115% | 828 |
| Net charge-offs to loans | 0.0337% | 1,312 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 81.9333% | 831 |
| Efficiency ratio | 48.0804% | 4,380 |
| Assets per employee ($millions) | 9.6633% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,527 |
| Loan loss allowance to noncurrent loans | 241.4794% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,731 |
| Noncurrent loans to loans | 0.4449% | 2,335 |
| Net loans and leases to total assets | 53.4258% | 3,205 |
| Net loans and leases to deposits | 63.0747% | 3,096 |
| Net loans and leases to core deposits | 73.8685% | 2,421 |
| Total domestic deposits to total assets | 84.7024% | 3,217 |
| Equity capital to assets | 11.1569% | 1,868 |
| Core capital (leverage) ratio | 10.9121% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9496% | 814 |
| Memoranda: | ||
| Average total assets | $430,919,667 | 1,905 |
| Average earning assets | $407,008,000 | 1,891 |
| Average equity | $47,955,667 | 1,832 |
| Average total loans | $266,762,333 | 1,890 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 3,359 |
| Cost of funding earning assets | 0.5366% | 1,178 |
| Net interest margin | 2.8059% | 3,753 |
| Noninterest income to average assets | 0.7422% | 1,739 |
| Noninterest expense to average assets | 1.6410% | 4,477 |
| Loan and lease loss provision to assets | 0.1132% | 1,222 |
| Net operating income to assets | 1.3638% | 1,653 |
| Return on assets (ROA) | 1.3638% | 1,739 |
| Pretax return on assets | 1.6316% | 1,646 |
| Return on Equity (ROE) | 12.2707% | 1,917 |
| Retained earnings to average equity (ytd only) | 12.2707% | 1,083 |
| Net charge-offs to loans | 0.0314% | 1,174 |
| Credit loss provision to net charge-offs | 545.4545% | 571 |
| Earnings coverage of net charge-offs (x) | 84.0909% | 674 |
| Efficiency ratio | 48.3844% | 4,316 |
| Assets per employee ($millions) | 9.2861% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,054 |
| Loan loss allowance to noncurrent loans | 271.8816% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,916 |
| Noncurrent loans to loans | 0.3451% | 2,860 |
| Net loans and leases to total assets | 63.5673% | 2,098 |
| Net loans and leases to deposits | 75.0521% | 2,016 |
| Net loans and leases to core deposits | 87.3091% | 1,431 |
| Total domestic deposits to total assets | 84.6975% | 3,221 |
| Equity capital to assets | 11.0905% | 1,794 |
| Core capital (leverage) ratio | 11.0368% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9411% | 940 |
| Memoranda: | ||
| Average total assets | $424,122,500 | 1,922 |
| Average earning assets | $399,585,000 | 1,905 |
| Average equity | $47,136,500 | 1,857 |
| Average total loans | $280,111,500 | 1,834 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 3,293 |
| Cost of funding earning assets | 0.7617% | 1,389 |
| Net interest margin | 3.0409% | 3,786 |
| Noninterest income to average assets | 0.3817% | 3,203 |
| Noninterest expense to average assets | 1.7781% | 4,505 |
| Loan and lease loss provision to assets | 0.1072% | 2,999 |
| Net operating income to assets | 1.1102% | 1,888 |
| Return on assets (ROA) | 1.1831% | 1,717 |
| Pretax return on assets | 1.4134% | 1,613 |
| Return on Equity (ROE) | 10.2329% | 1,917 |
| Retained earnings to average equity (ytd only) | 5.6953% | 1,952 |
| Net charge-offs to loans | 0.0773% | 1,709 |
| Credit loss provision to net charge-offs | 202.9703% | 2,146 |
| Earnings coverage of net charge-offs (x) | 27.1535% | 1,692 |
| Efficiency ratio | 55.2779% | 4,067 |
| Assets per employee ($millions) | 8.9593% | 750 |
| Cash dividends to net income (ytd only)* | 44.3438% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 4,285 |
| Loan loss allowance to noncurrent loans | 178.1138% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 2,603 |
| Noncurrent loans to loans | 0.4855% | 2,511 |
| Net loans and leases to total assets | 67.3600% | 1,910 |
| Net loans and leases to deposits | 82.7003% | 1,582 |
| Net loans and leases to core deposits | 96.9624% | 1,062 |
| Total domestic deposits to total assets | 81.4508% | 3,771 |
| Equity capital to assets | 11.1377% | 2,145 |
| Core capital (leverage) ratio | 10.8741% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0970% | 1,040 |
| Memoranda: | ||
| Average total assets | $382,544,200 | 1,917 |
| Average earning assets | $356,048,600 | 1,911 |
| Average equity | $44,229,800 | 1,871 |
| Average total loans | $261,180,200 | 1,863 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 3,223 |
| Cost of funding earning assets | 0.8106% | 1,444 |
| Net interest margin | 3.0990% | 3,739 |
| Noninterest income to average assets | 0.4255% | 2,956 |
| Noninterest expense to average assets | 1.8313% | 4,438 |
| Loan and lease loss provision to assets | 0.1215% | 2,813 |
| Net operating income to assets | 1.1417% | 1,848 |
| Return on assets (ROA) | 1.2414% | 1,634 |
| Pretax return on assets | 1.4702% | 1,513 |
| Return on Equity (ROE) | 10.6266% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.6266% | 650 |
| Net charge-offs to loans | 0.0507% | 1,886 |
| Credit loss provision to net charge-offs | 350.5155% | 1,606 |
| Earnings coverage of net charge-offs (x) | 42.4742% | 1,317 |
| Efficiency ratio | 55.3343% | 3,999 |
| Assets per employee ($millions) | 8.5349% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,038 |
| Loan loss allowance to noncurrent loans | 148.9021% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 2,392 |
| Noncurrent loans to loans | 0.6109% | 2,271 |
| Net loans and leases to total assets | 68.1351% | 2,224 |
| Net loans and leases to deposits | 81.7864% | 2,123 |
| Net loans and leases to core deposits | 96.8145% | 1,390 |
| Total domestic deposits to total assets | 83.3086% | 3,056 |
| Equity capital to assets | 11.7121% | 1,867 |
| Core capital (leverage) ratio | 11.4169% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4798% | 842 |
| Memoranda: | ||
| Average total assets | $372,909,000 | 1,931 |
| Average earning assets | $346,420,750 | 1,935 |
| Average equity | $43,562,500 | 1,877 |
| Average total loans | $254,946,000 | 1,895 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 3,260 |
| Cost of funding earning assets | 0.8540% | 1,580 |
| Net interest margin | 3.1706% | 3,744 |
| Noninterest income to average assets | 0.4281% | 2,923 |
| Noninterest expense to average assets | 1.8553% | 4,475 |
| Loan and lease loss provision to assets | 0.0330% | 3,852 |
| Net operating income to assets | 1.2492% | 1,494 |
| Return on assets (ROA) | 1.2446% | 1,626 |
| Pretax return on assets | 1.4779% | 1,507 |
| Return on Equity (ROE) | 10.6641% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.6641% | 663 |
| Net charge-offs to loans | 0.0831% | 1,419 |
| Credit loss provision to net charge-offs | 58.2524% | 2,595 |
| Earnings coverage of net charge-offs (x) | 26.7573% | 1,507 |
| Efficiency ratio | 54.9445% | 4,069 |
| Assets per employee ($millions) | 8.2357% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,289 |
| Loan loss allowance to noncurrent loans | 112.8426% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,246 |
| Noncurrent loans to loans | 0.7272% | 2,061 |
| Net loans and leases to total assets | 67.9704% | 2,359 |
| Net loans and leases to deposits | 81.9811% | 2,211 |
| Net loans and leases to core deposits | 95.4004% | 1,619 |
| Total domestic deposits to total assets | 82.9098% | 3,110 |
| Equity capital to assets | 11.5723% | 1,923 |
| Core capital (leverage) ratio | 11.3476% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4704% | 853 |
| Memoranda: | ||
| Average total assets | $363,498,333 | 1,951 |
| Average earning assets | $337,476,000 | 1,955 |
| Average equity | $42,422,667 | 1,906 |
| Average total loans | $247,985,667 | 1,919 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 3,382 |
| Cost of funding earning assets | 0.9203% | 1,766 |
| Net interest margin | 3.2281% | 3,790 |
| Noninterest income to average assets | 0.4638% | 2,735 |
| Noninterest expense to average assets | 1.9333% | 4,511 |
| Loan and lease loss provision to assets | 0.0345% | 3,336 |
| Net operating income to assets | 1.2354% | 1,420 |
| Return on assets (ROA) | 1.2256% | 1,548 |
| Pretax return on assets | 1.4431% | 1,455 |
| Return on Equity (ROE) | 10.4513% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.4513% | 653 |
| Net charge-offs to loans | 0.1319% | 931 |
| Credit loss provision to net charge-offs | 38.4615% | 2,105 |
| Earnings coverage of net charge-offs (x) | 16.5897% | 1,522 |
| Efficiency ratio | 56.3887% | 4,173 |
| Assets per employee ($millions) | 7.7863% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,129 |
| Loan loss allowance to noncurrent loans | 127.9123% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 2,391 |
| Noncurrent loans to loans | 0.6996% | 2,248 |
| Net loans and leases to total assets | 67.1228% | 2,689 |
| Net loans and leases to deposits | 85.3509% | 2,075 |
| Net loans and leases to core deposits | 99.6281% | 1,503 |
| Total domestic deposits to total assets | 78.6433% | 4,112 |
| Equity capital to assets | 10.5442% | 3,280 |
| Core capital (leverage) ratio | 12.8457% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3174% | 941 |
| Memoranda: | ||
| Average total assets | $347,590,000 | 1,969 |
| Average earning assets | $318,574,500 | 1,982 |
| Average equity | $40,760,500 | 1,957 |
| Average total loans | $236,518,500 | 1,952 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 3,211 |
| Cost of funding earning assets | 0.9378% | 2,022 |
| Net interest margin | 3.4752% | 3,524 |
| Noninterest income to average assets | 0.4075% | 3,251 |
| Noninterest expense to average assets | 2.0200% | 4,499 |
| Loan and lease loss provision to assets | 0.0428% | 3,150 |
| Net operating income to assets | 1.3190% | 1,619 |
| Return on assets (ROA) | 1.3313% | 1,657 |
| Pretax return on assets | 1.5890% | 1,516 |
| Return on Equity (ROE) | 10.4520% | 2,103 |
| Retained earnings to average equity (ytd only) | 5.8200% | 1,965 |
| Net charge-offs to loans | 0.1665% | 1,215 |
| Credit loss provision to net charge-offs | 37.5335% | 3,222 |
| Earnings coverage of net charge-offs (x) | 14.1823% | 2,301 |
| Efficiency ratio | 55.4547% | 4,272 |
| Assets per employee ($millions) | 7.3161% | 927 |
| Cash dividends to net income (ytd only)* | 44.3169% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,464 |
| Loan loss allowance to noncurrent loans | 189.1486% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 2,444 |
| Noncurrent loans to loans | 0.5320% | 2,581 |
| Net loans and leases to total assets | 67.7086% | 2,721 |
| Net loans and leases to deposits | 86.3646% | 2,042 |
| Net loans and leases to core deposits | 96.4061% | 1,865 |
| Total domestic deposits to total assets | 78.3986% | 4,298 |
| Equity capital to assets | 13.0410% | 1,494 |
| Core capital (leverage) ratio | 12.8041% | 1,331 |
| Tier 1 risk-based capital ratio | 18.6848% | 1,592 |
| Total risk-based capital ratio | 19.6874% | 1,621 |
| Memoranda: | ||
| Average total assets | $327,121,600 | 1,999 |
| Average earning assets | $304,012,400 | 1,997 |
| Average equity | $41,666,600 | 1,863 |
| Average total loans | $224,030,600 | 2,003 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 3,288 |
| Cost of funding earning assets | 0.9316% | 2,077 |
| Net interest margin | 3.4879% | 3,598 |
| Noninterest income to average assets | 0.4062% | 3,274 |
| Noninterest expense to average assets | 2.0237% | 4,504 |
| Loan and lease loss provision to assets | 0.0449% | 3,010 |
| Net operating income to assets | 1.3175% | 1,782 |
| Return on assets (ROA) | 1.3358% | 1,771 |
| Pretax return on assets | 1.5999% | 1,638 |
| Return on Equity (ROE) | 10.5504% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.5504% | 613 |
| Net charge-offs to loans | 0.1549% | 1,067 |
| Credit loss provision to net charge-offs | 42.3077% | 2,843 |
| Earnings coverage of net charge-offs (x) | 15.2884% | 2,197 |
| Efficiency ratio | 55.4075% | 4,231 |
| Assets per employee ($millions) | 7.0240% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,319 |
| Loan loss allowance to noncurrent loans | 134.8450% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,221 |
| Noncurrent loans to loans | 0.7750% | 2,028 |
| Net loans and leases to total assets | 67.3707% | 2,879 |
| Net loans and leases to deposits | 85.6198% | 2,245 |
| Net loans and leases to core deposits | 94.0320% | 2,175 |
| Total domestic deposits to total assets | 78.6860% | 4,232 |
| Equity capital to assets | 13.2923% | 1,465 |
| Core capital (leverage) ratio | 13.1335% | 1,285 |
| Tier 1 risk-based capital ratio | 19.0936% | 1,544 |
| Total risk-based capital ratio | 20.1347% | 1,558 |
| Memoranda: | ||
| Average total assets | $326,596,000 | 2,011 |
| Average earning assets | $303,399,000 | 2,013 |
| Average equity | $41,349,750 | 1,883 |
| Average total loans | $223,743,500 | 2,011 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 3,247 |
| Cost of funding earning assets | 0.9063% | 2,109 |
| Net interest margin | 3.5232% | 3,519 |
| Noninterest income to average assets | 0.4124% | 3,192 |
| Noninterest expense to average assets | 2.0275% | 4,557 |
| Loan and lease loss provision to assets | 0.0369% | 3,077 |
| Net operating income to assets | 1.3469% | 1,589 |
| Return on assets (ROA) | 1.3484% | 1,649 |
| Pretax return on assets | 1.6231% | 1,475 |
| Return on Equity (ROE) | 10.8331% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.8331% | 574 |
| Net charge-offs to loans | 0.0806% | 1,554 |
| Credit loss provision to net charge-offs | 66.6667% | 2,348 |
| Earnings coverage of net charge-offs (x) | 29.9778% | 1,459 |
| Efficiency ratio | 54.9275% | 4,367 |
| Assets per employee ($millions) | 6.9182% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,125 |
| Loan loss allowance to noncurrent loans | 144.7245% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 2,368 |
| Noncurrent loans to loans | 0.7526% | 2,102 |
| Net loans and leases to total assets | 67.5180% | 2,883 |
| Net loans and leases to deposits | 84.4532% | 2,443 |
| Net loans and leases to core deposits | 92.5722% | 2,360 |
| Total domestic deposits to total assets | 79.9472% | 4,051 |
| Equity capital to assets | 12.7740% | 1,703 |
| Core capital (leverage) ratio | 12.7947% | 1,406 |
| Tier 1 risk-based capital ratio | 18.6569% | 1,632 |
| Total risk-based capital ratio | 19.7538% | 1,633 |
| Memoranda: | ||
| Average total assets | $325,418,000 | 2,023 |
| Average earning assets | $302,338,330 | 2,023 |
| Average equity | $40,505,670 | 1,911 |
| Average total loans | $223,404,670 | 2,027 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 3,158 |
| Cost of funding earning assets | 0.8738% | 2,134 |
| Net interest margin | 3.5448% | 3,446 |
| Noninterest income to average assets | 0.4160% | 3,074 |
| Noninterest expense to average assets | 2.0292% | 4,590 |
| Loan and lease loss provision to assets | 0.0373% | 2,876 |
| Net operating income to assets | 1.3584% | 1,495 |
| Return on assets (ROA) | 1.3512% | 1,561 |
| Pretax return on assets | 1.6207% | 1,416 |
| Return on Equity (ROE) | 11.0041% | 1,942 |
| Retained earnings to average equity (ytd only) | 11.0041% | 798 |
| Net charge-offs to loans | 0.0072% | 2,437 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 335.5000% | 238 |
| Efficiency ratio | 54.8051% | 4,457 |
| Assets per employee ($millions) | 6.9424% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 2,977 |
| Loan loss allowance to noncurrent loans | 155.0031% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 2,488 |
| Noncurrent loans to loans | 0.7278% | 2,200 |
| Net loans and leases to total assets | 67.8196% | 2,774 |
| Net loans and leases to deposits | 84.5461% | 2,322 |
| Net loans and leases to core deposits | 87.8320% | 2,705 |
| Total domestic deposits to total assets | 80.2162% | 4,136 |
| Equity capital to assets | 12.3537% | 1,817 |
| Core capital (leverage) ratio | 12.8193% | 1,353 |
| Tier 1 risk-based capital ratio | 18.3841% | 1,694 |
| Total risk-based capital ratio | 19.5194% | 1,676 |
| Memoranda: | ||
| Average total assets | $322,090,500 | 2,052 |
| Average earning assets | $298,010,000 | 2,060 |
| Average equity | $39,549,000 | 1,940 |
| Average total loans | $221,768,000 | 2,058 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 3,248 |
| Cost of funding earning assets | 0.7462% | 1,812 |
| Net interest margin | 3.5117% | 3,665 |
| Noninterest income to average assets | 0.4158% | 3,341 |
| Noninterest expense to average assets | 2.0954% | 4,578 |
| Loan and lease loss provision to assets | 0.0453% | 3,278 |
| Net operating income to assets | 1.2984% | 1,807 |
| Return on assets (ROA) | 1.3081% | 1,746 |
| Pretax return on assets | 1.5626% | 1,583 |
| Return on Equity (ROE) | 10.5256% | 2,270 |
| Retained earnings to average equity (ytd only) | 5.7051% | 2,357 |
| Net charge-offs to loans | 0.0270% | 2,873 |
| Credit loss provision to net charge-offs | 241.3793% | 1,227 |
| Earnings coverage of net charge-offs (x) | 85.1207% | 827 |
| Efficiency ratio | 56.6737% | 4,323 |
| Assets per employee ($millions) | 6.4875% | 1,221 |
| Cash dividends to net income (ytd only)* | 45.7983% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 2,887 |
| Loan loss allowance to noncurrent loans | 126.9817% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6288% | 2,156 |
| Noncurrent loans to loans | 0.8957% | 1,795 |
| Net loans and leases to total assets | 68.3327% | 2,832 |
| Net loans and leases to deposits | 85.4660% | 2,353 |
| Net loans and leases to core deposits | 88.2095% | 2,738 |
| Total domestic deposits to total assets | 79.9531% | 4,117 |
| Equity capital to assets | 12.2021% | 1,759 |
| Core capital (leverage) ratio | 12.7811% | 1,325 |
| Tier 1 risk-based capital ratio | 18.2496% | 1,676 |
| Total risk-based capital ratio | 19.3955% | 1,668 |
| Memoranda: | ||
| Average total assets | $309,296,400 | 2,093 |
| Average earning assets | $288,518,400 | 2,083 |
| Average equity | $38,439,600 | 1,918 |
| Average total loans | $215,030,600 | 2,067 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 3,293 |
| Cost of funding earning assets | 0.7066% | 1,812 |
| Net interest margin | 3.5014% | 3,691 |
| Noninterest income to average assets | 0.4506% | 3,168 |
| Noninterest expense to average assets | 2.0967% | 4,562 |
| Loan and lease loss provision to assets | 0.0391% | 3,222 |
| Net operating income to assets | 1.3249% | 1,759 |
| Return on assets (ROA) | 1.3479% | 1,684 |
| Pretax return on assets | 1.6139% | 1,533 |
| Return on Equity (ROE) | 10.7944% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.7944% | 699 |
| Net charge-offs to loans | -0.0056% | 4,246 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2332% | 4,358 |
| Assets per employee ($millions) | 6.3111% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,869 |
| Loan loss allowance to noncurrent loans | 125.8629% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 2,252 |
| Noncurrent loans to loans | 0.9190% | 1,862 |
| Net loans and leases to total assets | 69.5250% | 2,720 |
| Net loans and leases to deposits | 89.3886% | 1,973 |
| Net loans and leases to core deposits | 92.6665% | 2,420 |
| Total domestic deposits to total assets | 77.7784% | 4,516 |
| Equity capital to assets | 12.7091% | 1,463 |
| Core capital (leverage) ratio | 13.1867% | 1,213 |
| Tier 1 risk-based capital ratio | 18.9263% | 1,555 |
| Total risk-based capital ratio | 20.0961% | 1,548 |
| Memoranda: | ||
| Average total assets | $307,148,250 | 2,118 |
| Average earning assets | $287,000,750 | 2,107 |
| Average equity | $38,352,250 | 1,932 |
| Average total loans | $213,858,000 | 2,078 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 3,278 |
| Cost of funding earning assets | 0.6601% | 1,870 |
| Net interest margin | 3.4908% | 3,661 |
| Noninterest income to average assets | 0.4568% | 3,112 |
| Noninterest expense to average assets | 2.0800% | 4,652 |
| Loan and lease loss provision to assets | 0.0392% | 3,122 |
| Net operating income to assets | 1.3265% | 1,678 |
| Return on assets (ROA) | 1.3601% | 1,573 |
| Pretax return on assets | 1.6466% | 1,350 |
| Return on Equity (ROE) | 10.9581% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.9581% | 682 |
| Net charge-offs to loans | -0.0075% | 4,216 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7463% | 4,510 |
| Assets per employee ($millions) | 6.5337% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,990 |
| Loan loss allowance to noncurrent loans | 141.0329% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 2,545 |
| Noncurrent loans to loans | 0.8141% | 2,098 |
| Net loans and leases to total assets | 68.2240% | 2,831 |
| Net loans and leases to deposits | 88.2543% | 2,080 |
| Net loans and leases to core deposits | 92.1595% | 2,389 |
| Total domestic deposits to total assets | 77.3038% | 4,691 |
| Equity capital to assets | 12.4091% | 1,589 |
| Core capital (leverage) ratio | 12.9487% | 1,243 |
| Tier 1 risk-based capital ratio | 18.6034% | 1,651 |
| Total risk-based capital ratio | 19.7683% | 1,634 |
| Memoranda: | ||
| Average total assets | $306,449,670 | 2,133 |
| Average earning assets | $286,922,670 | 2,118 |
| Average equity | $38,035,670 | 1,949 |
| Average total loans | $212,638,000 | 2,087 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,187 |
| Cost of funding earning assets | 0.6380% | 1,789 |
| Net interest margin | 3.4774% | 3,614 |
| Noninterest income to average assets | 0.4292% | 3,250 |
| Noninterest expense to average assets | 2.1092% | 4,636 |
| Loan and lease loss provision to assets | 0.0396% | 2,963 |
| Net operating income to assets | 1.2668% | 1,760 |
| Return on assets (ROA) | 1.3339% | 1,541 |
| Pretax return on assets | 1.6232% | 1,321 |
| Return on Equity (ROE) | 10.7461% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.7461% | 955 |
| Net charge-offs to loans | -0.0209% | 4,582 |
| Credit loss provision to net charge-offs | -272.7273% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0508% | 4,459 |
| Assets per employee ($millions) | 6.0378% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,036 |
| Loan loss allowance to noncurrent loans | 157.1611% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 2,799 |
| Noncurrent loans to loans | 0.7385% | 2,359 |
| Net loans and leases to total assets | 69.3359% | 2,584 |
| Net loans and leases to deposits | 87.0403% | 2,048 |
| Net loans and leases to core deposits | 90.9576% | 2,377 |
| Total domestic deposits to total assets | 79.6595% | 4,468 |
| Equity capital to assets | 12.4903% | 1,491 |
| Core capital (leverage) ratio | 12.8295% | 1,239 |
| Tier 1 risk-based capital ratio | 18.5876% | 1,670 |
| Total risk-based capital ratio | 19.7710% | 1,648 |
| Memoranda: | ||
| Average total assets | $302,866,000 | 2,173 |
| Average earning assets | $284,001,500 | 2,159 |
| Average equity | $37,595,000 | 1,972 |
| Average total loans | $210,733,500 | 2,108 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 3,341 |
| Cost of funding earning assets | 0.5176% | 2,197 |
| Net interest margin | 3.5009% | 3,525 |
| Noninterest income to average assets | 0.5113% | 2,926 |
| Noninterest expense to average assets | 1.9888% | 4,978 |
| Loan and lease loss provision to assets | 0.0398% | 3,470 |
| Net operating income to assets | 1.2869% | 1,260 |
| Return on assets (ROA) | 1.2889% | 1,277 |
| Pretax return on assets | 1.7351% | 926 |
| Return on Equity (ROE) | 10.5458% | 1,660 |
| Retained earnings to average equity (ytd only) | 5.7211% | 1,697 |
| Net charge-offs to loans | 0.0501% | 2,787 |
| Credit loss provision to net charge-offs | 116.5049% | 2,242 |
| Earnings coverage of net charge-offs (x) | 51.8252% | 1,061 |
| Efficiency ratio | 52.7895% | 5,055 |
| Assets per employee ($millions) | 6.3300% | 1,299 |
| Cash dividends to net income (ytd only)* | 45.7496% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,041 |
| Loan loss allowance to noncurrent loans | 128.9755% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 2,478 |
| Noncurrent loans to loans | 0.8937% | 1,987 |
| Net loans and leases to total assets | 68.2177% | 2,792 |
| Net loans and leases to deposits | 85.8729% | 2,278 |
| Net loans and leases to core deposits | 89.8282% | 2,582 |
| Total domestic deposits to total assets | 79.4403% | 4,462 |
| Equity capital to assets | 12.3363% | 1,623 |
| Core capital (leverage) ratio | 12.4804% | 1,370 |
| Tier 1 risk-based capital ratio | 18.2000% | 1,742 |
| Total risk-based capital ratio | 19.3696% | 1,721 |
| Memoranda: | ||
| Average total assets | $301,193,800 | 2,161 |
| Average earning assets | $279,582,000 | 2,154 |
| Average equity | $36,810,800 | 1,993 |
| Average total loans | $205,463,000 | 2,114 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 3,301 |
| Cost of funding earning assets | 0.5060% | 2,219 |
| Net interest margin | 3.5072% | 3,481 |
| Noninterest income to average assets | 0.5639% | 2,652 |
| Noninterest expense to average assets | 2.0266% | 4,896 |
| Loan and lease loss provision to assets | 0.0399% | 3,312 |
| Net operating income to assets | 1.3167% | 1,282 |
| Return on assets (ROA) | 1.3194% | 1,305 |
| Pretax return on assets | 1.7484% | 1,009 |
| Return on Equity (ROE) | 10.8213% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.8213% | 438 |
| Net charge-offs to loans | 0.0548% | 2,357 |
| Credit loss provision to net charge-offs | 107.1429% | 2,177 |
| Earnings coverage of net charge-offs (x) | 47.8917% | 1,147 |
| Efficiency ratio | 53.0788% | 5,004 |
| Assets per employee ($millions) | 6.0002% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,142 |
| Loan loss allowance to noncurrent loans | 88.0717% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 1,805 |
| Noncurrent loans to loans | 1.3175% | 1,453 |
| Net loans and leases to total assets | 68.3411% | 2,791 |
| Net loans and leases to deposits | 87.5658% | 2,122 |
| Net loans and leases to core deposits | 91.5570% | 2,489 |
| Total domestic deposits to total assets | 78.0454% | 4,717 |
| Equity capital to assets | 12.8422% | 1,470 |
| Core capital (leverage) ratio | 12.9128% | 1,246 |
| Tier 1 risk-based capital ratio | 18.6810% | 1,683 |
| Total risk-based capital ratio | 19.8584% | 1,652 |
| Memoranda: | ||
| Average total assets | $300,531,750 | 2,184 |
| Average earning assets | $278,277,250 | 2,179 |
| Average equity | $36,642,750 | 2,003 |
| Average total loans | $204,406,000 | 2,134 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 3,240 |
| Cost of funding earning assets | 0.4885% | 2,263 |
| Net interest margin | 3.5016% | 3,395 |
| Noninterest income to average assets | 0.5840% | 2,539 |
| Noninterest expense to average assets | 1.9700% | 5,035 |
| Loan and lease loss provision to assets | 0.0399% | 3,212 |
| Net operating income to assets | 1.3605% | 1,150 |
| Return on assets (ROA) | 1.3615% | 1,181 |
| Pretax return on assets | 1.8171% | 808 |
| Return on Equity (ROE) | 11.3677% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.3677% | 387 |
| Net charge-offs to loans | 0.0639% | 2,017 |
| Credit loss provision to net charge-offs | 92.3077% | 2,119 |
| Earnings coverage of net charge-offs (x) | 42.9231% | 1,199 |
| Efficiency ratio | 51.4082% | 5,212 |
| Assets per employee ($millions) | 6.2153% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,180 |
| Loan loss allowance to noncurrent loans | 186.6719% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 3,189 |
| Noncurrent loans to loans | 0.6281% | 2,847 |
| Net loans and leases to total assets | 67.6693% | 2,856 |
| Net loans and leases to deposits | 83.8236% | 2,508 |
| Net loans and leases to core deposits | 87.6234% | 2,737 |
| Total domestic deposits to total assets | 80.7282% | 4,253 |
| Equity capital to assets | 12.6255% | 1,561 |
| Core capital (leverage) ratio | 12.4986% | 1,369 |
| Tier 1 risk-based capital ratio | 18.6825% | 1,672 |
| Total risk-based capital ratio | 19.8742% | 1,652 |
| Memoranda: | ||
| Average total assets | $300,705,670 | 2,186 |
| Average earning assets | $278,389,330 | 2,185 |
| Average equity | $36,014,330 | 2,028 |
| Average total loans | $203,395,670 | 2,139 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,148 |
| Cost of funding earning assets | 0.4781% | 2,261 |
| Net interest margin | 3.4902% | 3,307 |
| Noninterest income to average assets | 0.6426% | 2,214 |
| Noninterest expense to average assets | 1.9265% | 5,188 |
| Loan and lease loss provision to assets | 0.0397% | 3,010 |
| Net operating income to assets | 1.4144% | 973 |
| Return on assets (ROA) | 1.4164% | 997 |
| Pretax return on assets | 1.9000% | 636 |
| Return on Equity (ROE) | 12.1517% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.1517% | 455 |
| Net charge-offs to loans | 0.0079% | 2,699 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 365.5000% | 162 |
| Efficiency ratio | 49.7599% | 5,390 |
| Assets per employee ($millions) | 6.4138% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,207 |
| Loan loss allowance to noncurrent loans | 156.3144% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 3,038 |
| Noncurrent loans to loans | 0.7601% | 2,582 |
| Net loans and leases to total assets | 66.9298% | 2,825 |
| Net loans and leases to deposits | 82.1560% | 2,488 |
| Net loans and leases to core deposits | 85.7683% | 2,737 |
| Total domestic deposits to total assets | 81.4667% | 4,310 |
| Equity capital to assets | 11.9238% | 1,896 |
| Core capital (leverage) ratio | 12.3532% | 1,421 |
| Tier 1 risk-based capital ratio | 18.0511% | 1,859 |
| Total risk-based capital ratio | 19.2487% | 1,836 |
| Memoranda: | ||
| Average total assets | $301,892,000 | 2,196 |
| Average earning assets | $278,612,500 | 2,195 |
| Average equity | $35,188,500 | 2,074 |
| Average total loans | $202,956,000 | 2,150 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 2,741 |
| Cost of funding earning assets | 0.4803% | 2,255 |
| Net interest margin | 3.6483% | 2,892 |
| Noninterest income to average assets | 0.4691% | 3,414 |
| Noninterest expense to average assets | 2.0049% | 5,179 |
| Loan and lease loss provision to assets | 0.0787% | 2,787 |
| Net operating income to assets | 1.3416% | 1,114 |
| Return on assets (ROA) | 1.3507% | 1,153 |
| Pretax return on assets | 1.7819% | 834 |
| Return on Equity (ROE) | 11.3380% | 1,454 |
| Retained earnings to average equity (ytd only) | 6.3673% | 1,515 |
| Net charge-offs to loans | 0.2316% | 1,198 |
| Credit loss provision to net charge-offs | 51.9101% | 3,356 |
| Earnings coverage of net charge-offs (x) | 12.1865% | 2,476 |
| Efficiency ratio | 51.9374% | 5,387 |
| Assets per employee ($millions) | 6.2987% | 1,261 |
| Cash dividends to net income (ytd only)* | 43.8415% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 3,181 |
| Loan loss allowance to noncurrent loans | 152.2843% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 3,064 |
| Noncurrent loans to loans | 0.7813% | 2,565 |
| Net loans and leases to total assets | 65.9291% | 3,080 |
| Net loans and leases to deposits | 81.8881% | 2,684 |
| Net loans and leases to core deposits | 84.6486% | 2,967 |
| Total domestic deposits to total assets | 80.5112% | 4,454 |
| Equity capital to assets | 11.3889% | 2,253 |
| Core capital (leverage) ratio | 11.9147% | 1,653 |
| Tier 1 risk-based capital ratio | 17.5330% | 1,998 |
| Total risk-based capital ratio | 18.7179% | 1,977 |
| Memoranda: | ||
| Average total assets | $293,337,200 | 2,205 |
| Average earning assets | $272,123,400 | 2,198 |
| Average equity | $34,944,400 | 2,079 |
| Average total loans | $192,104,400 | 2,191 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 2,552 |
| Cost of funding earning assets | 0.4805% | 2,257 |
| Net interest margin | 3.7074% | 2,692 |
| Noninterest income to average assets | 0.4965% | 3,272 |
| Noninterest expense to average assets | 1.9737% | 5,257 |
| Loan and lease loss provision to assets | 0.0783% | 2,659 |
| Net operating income to assets | 1.4241% | 1,019 |
| Return on assets (ROA) | 1.4419% | 1,035 |
| Pretax return on assets | 1.9210% | 673 |
| Return on Equity (ROE) | 11.9674% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.9674% | 309 |
| Net charge-offs to loans | 0.3114% | 742 |
| Credit loss provision to net charge-offs | 38.6005% | 3,161 |
| Earnings coverage of net charge-offs (x) | 9.7359% | 2,658 |
| Efficiency ratio | 49.8840% | 5,508 |
| Assets per employee ($millions) | 6.4922% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 3,374 |
| Loan loss allowance to noncurrent loans | 114.8039% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 2,663 |
| Noncurrent loans to loans | 1.0275% | 2,193 |
| Net loans and leases to total assets | 65.6948% | 3,171 |
| Net loans and leases to deposits | 85.5550% | 2,307 |
| Net loans and leases to core deposits | 88.5871% | 2,704 |
| Total domestic deposits to total assets | 76.7867% | 5,122 |
| Equity capital to assets | 12.2651% | 1,926 |
| Core capital (leverage) ratio | 12.4218% | 1,431 |
| Tier 1 risk-based capital ratio | 18.3721% | 1,813 |
| Total risk-based capital ratio | 19.5530% | 1,805 |
| Memoranda: | ||
| Average total assets | $291,087,250 | 2,226 |
| Average earning assets | $271,092,250 | 2,207 |
| Average equity | $35,072,250 | 2,084 |
| Average total loans | $189,698,500 | 2,212 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,392 |
| Cost of funding earning assets | 0.4790% | 2,278 |
| Net interest margin | 3.7538% | 2,505 |
| Noninterest income to average assets | 0.5170% | 3,084 |
| Noninterest expense to average assets | 1.9912% | 5,289 |
| Loan and lease loss provision to assets | 0.0416% | 3,317 |
| Net operating income to assets | 1.4732% | 937 |
| Return on assets (ROA) | 1.4880% | 959 |
| Pretax return on assets | 2.0078% | 560 |
| Return on Equity (ROE) | 12.4272% | 1,176 |
| Retained earnings to average equity (ytd only) | 12.4272% | 277 |
| Net charge-offs to loans | 0.3909% | 580 |
| Credit loss provision to net charge-offs | 16.4384% | 2,960 |
| Earnings coverage of net charge-offs (x) | 8.0219% | 2,562 |
| Efficiency ratio | 49.4398% | 5,595 |
| Assets per employee ($millions) | 6.5274% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 3,268 |
| Loan loss allowance to noncurrent loans | 75.5316% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 1,872 |
| Noncurrent loans to loans | 1.6086% | 1,332 |
| Net loans and leases to total assets | 63.9110% | 3,375 |
| Net loans and leases to deposits | 81.6243% | 2,750 |
| Net loans and leases to core deposits | 84.3474% | 3,052 |
| Total domestic deposits to total assets | 78.2989% | 4,941 |
| Equity capital to assets | 12.2853% | 1,916 |
| Core capital (leverage) ratio | 12.3669% | 1,426 |
| Tier 1 risk-based capital ratio | 18.3861% | 1,829 |
| Total risk-based capital ratio | 19.5843% | 1,801 |
| Memoranda: | ||
| Average total assets | $288,568,670 | 2,249 |
| Average earning assets | $269,325,670 | 2,237 |
| Average equity | $34,553,330 | 2,115 |
| Average total loans | $186,753,000 | 2,245 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9334% | 3,453 |
| Cost of funding earning assets | 0.4992% | 2,115 |
| Net interest margin | 3.4342% | 3,744 |
| Noninterest income to average assets | 0.5189% | 2,995 |
| Noninterest expense to average assets | 1.9819% | 5,376 |
| Loan and lease loss provision to assets | 0.0420% | 3,087 |
| Net operating income to assets | 1.2839% | 1,294 |
| Return on assets (ROA) | 1.3147% | 1,298 |
| Pretax return on assets | 1.7399% | 968 |
| Return on Equity (ROE) | 11.1285% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.1285% | 629 |
| Net charge-offs to loans | 0.5856% | 380 |
| Credit loss provision to net charge-offs | 11.0701% | 2,358 |
| Earnings coverage of net charge-offs (x) | 4.5941% | 2,407 |
| Efficiency ratio | 53.1180% | 5,448 |
| Assets per employee ($millions) | 6.1524% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,984 |
| Loan loss allowance to noncurrent loans | 104.7682% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 2,469 |
| Noncurrent loans to loans | 1.2265% | 1,969 |
| Net loans and leases to total assets | 64.4170% | 3,182 |
| Net loans and leases to deposits | 77.7520% | 3,028 |
| Net loans and leases to core deposits | 80.7342% | 3,264 |
| Total domestic deposits to total assets | 82.8493% | 3,950 |
| Equity capital to assets | 12.0392% | 2,011 |
| Core capital (leverage) ratio | 12.0967% | 1,547 |
| Tier 1 risk-based capital ratio | 18.3383% | 1,900 |
| Total risk-based capital ratio | 19.5884% | 1,858 |
| Memoranda: | ||
| Average total assets | $285,987,000 | 2,272 |
| Average earning assets | $266,845,000 | 2,258 |
| Average equity | $33,787,000 | 2,155 |
| Average total loans | $185,111,500 | 2,263 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 3,866 |
| Cost of funding earning assets | 0.5463% | 1,799 |
| Net interest margin | 3.3084% | 4,266 |
| Noninterest income to average assets | 0.4302% | 3,821 |
| Noninterest expense to average assets | 2.0141% | 5,427 |
| Loan and lease loss provision to assets | 0.0364% | 3,618 |
| Net operating income to assets | 1.0887% | 1,975 |
| Return on assets (ROA) | 1.1044% | 1,972 |
| Pretax return on assets | 1.5062% | 1,534 |
| Return on Equity (ROE) | 8.1478% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.1916% | 3,785 |
| Net charge-offs to loans | 0.1107% | 2,269 |
| Credit loss provision to net charge-offs | 50.0000% | 3,400 |
| Earnings coverage of net charge-offs (x) | 20.8833% | 1,848 |
| Efficiency ratio | 56.9712% | 5,258 |
| Assets per employee ($millions) | 6.1482% | 1,286 |
| Cash dividends to net income (ytd only)* | 60.8281% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 2,378 |
| Loan loss allowance to noncurrent loans | 92.0747% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 2,099 |
| Noncurrent loans to loans | 1.5301% | 1,519 |
| Net loans and leases to total assets | 63.3052% | 3,373 |
| Net loans and leases to deposits | 76.0889% | 3,238 |
| Net loans and leases to core deposits | 80.5912% | 3,284 |
| Total domestic deposits to total assets | 83.1990% | 3,773 |
| Equity capital to assets | 11.5938% | 2,284 |
| Core capital (leverage) ratio | 11.5448% | 1,927 |
| Tier 1 risk-based capital ratio | 17.6957% | 2,054 |
| Total risk-based capital ratio | 18.9477% | 2,007 |
| Memoranda: | ||
| Average total assets | $247,104,600 | 2,524 |
| Average earning assets | $231,926,000 | 2,498 |
| Average equity | $33,493,800 | 2,120 |
| Average total loans | $162,571,200 | 2,432 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 3,928 |
| Cost of funding earning assets | 0.5604% | 1,710 |
| Net interest margin | 3.2913% | 4,392 |
| Noninterest income to average assets | 0.4738% | 3,547 |
| Noninterest expense to average assets | 1.7911% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2621% | 1,446 |
| Return on assets (ROA) | 1.2829% | 1,439 |
| Pretax return on assets | 1.8058% | 888 |
| Return on Equity (ROE) | 9.0647% | 2,540 |
| Retained earnings to average equity (ytd only) | 9.0647% | 877 |
| Net charge-offs to loans | 0.1496% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 17.9148% | 2,032 |
| Efficiency ratio | 50.2053% | 5,766 |
| Assets per employee ($millions) | 7.1948% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,906 |
| Loan loss allowance to noncurrent loans | 132.7731% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 2,728 |
| Noncurrent loans to loans | 1.1795% | 2,171 |
| Net loans and leases to total assets | 66.9268% | 2,860 |
| Net loans and leases to deposits | 84.0565% | 2,407 |
| Net loans and leases to core deposits | 90.1792% | 2,448 |
| Total domestic deposits to total assets | 79.6212% | 4,823 |
| Equity capital to assets | 14.4435% | 875 |
| Core capital (leverage) ratio | 14.6269% | 710 |
| Tier 1 risk-based capital ratio | 21.4695% | 1,271 |
| Total risk-based capital ratio | 22.7235% | 1,249 |
| Memoranda: | ||
| Average total assets | $236,639,500 | 2,620 |
| Average earning assets | $222,437,000 | 2,587 |
| Average equity | $33,491,750 | 2,132 |
| Average total loans | $156,828,000 | 2,520 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 4,044 |
| Cost of funding earning assets | 0.5622% | 1,708 |
| Net interest margin | 3.2439% | 4,520 |
| Noninterest income to average assets | 0.4823% | 3,486 |
| Noninterest expense to average assets | 1.7100% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2847% | 1,362 |
| Return on assets (ROA) | 1.2954% | 1,395 |
| Pretax return on assets | 1.8437% | 822 |
| Return on Equity (ROE) | 9.2160% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.2160% | 853 |
| Net charge-offs to loans | 0.1996% | 1,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.9419% | 2,094 |
| Efficiency ratio | 48.3262% | 5,945 |
| Assets per employee ($millions) | 6.8556% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,921 |
| Loan loss allowance to noncurrent loans | 138.1572% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,786 |
| Noncurrent loans to loans | 1.1557% | 2,334 |
| Net loans and leases to total assets | 67.3953% | 2,731 |
| Net loans and leases to deposits | 84.6511% | 2,229 |
| Net loans and leases to core deposits | 91.0853% | 2,234 |
| Total domestic deposits to total assets | 79.6153% | 4,951 |
| Equity capital to assets | 14.4805% | 820 |
| Core capital (leverage) ratio | 14.2875% | 765 |
| Tier 1 risk-based capital ratio | 21.5403% | 1,275 |
| Total risk-based capital ratio | 22.7949% | 1,256 |
| Memoranda: | ||
| Average total assets | $236,376,670 | 2,645 |
| Average earning assets | $222,695,000 | 2,602 |
| Average equity | $33,224,670 | 2,159 |
| Average total loans | $155,293,670 | 2,549 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 3,917 |
| Cost of funding earning assets | 0.5554% | 1,797 |
| Net interest margin | 3.2662% | 4,361 |
| Noninterest income to average assets | 0.4453% | 3,665 |
| Noninterest expense to average assets | 1.6570% | 6,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3115% | 1,233 |
| Return on assets (ROA) | 1.3327% | 1,253 |
| Pretax return on assets | 1.8923% | 729 |
| Return on Equity (ROE) | 9.6236% | 2,170 |
| Retained earnings to average equity (ytd only) | 9.6236% | 1,013 |
| Net charge-offs to loans | 0.1045% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.7000% | 1,197 |
| Efficiency ratio | 47.0869% | 6,062 |
| Assets per employee ($millions) | 7.4819% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 1,681 |
| Loan loss allowance to noncurrent loans | 139.7692% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8257% | 3,031 |
| Noncurrent loans to loans | 1.2322% | 2,316 |
| Net loans and leases to total assets | 63.4923% | 3,164 |
| Net loans and leases to deposits | 78.7030% | 2,712 |
| Net loans and leases to core deposits | 84.0785% | 2,762 |
| Total domestic deposits to total assets | 80.6734% | 4,896 |
| Equity capital to assets | 13.9766% | 993 |
| Core capital (leverage) ratio | 14.0492% | 809 |
| Tier 1 risk-based capital ratio | 23.9110% | 1,004 |
| Total risk-based capital ratio | 25.1692% | 990 |
| Memoranda: | ||
| Average total assets | $238,019,000 | 2,653 |
| Average earning assets | $223,991,500 | 2,605 |
| Average equity | $32,960,500 | 2,183 |
| Average total loans | $153,119,500 | 2,580 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,675 |
| Cost of funding earning assets | 0.5799% | 1,950 |
| Net interest margin | 3.1609% | 5,041 |
| Noninterest income to average assets | 0.3824% | 4,322 |
| Noninterest expense to average assets | 1.7410% | 6,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1280% | 1,874 |
| Return on assets (ROA) | 1.1412% | 1,875 |
| Pretax return on assets | 1.6273% | 1,158 |
| Return on Equity (ROE) | 8.4157% | 2,900 |
| Retained earnings to average equity (ytd only) | 3.3985% | 3,793 |
| Net charge-offs to loans | 0.1453% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 18.6019% | 1,834 |
| Efficiency ratio | 51.9799% | 5,986 |
| Assets per employee ($millions) | 7.6328% | 620 |
| Cash dividends to net income (ytd only)* | 59.6175% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 1,569 |
| Loan loss allowance to noncurrent loans | 136.5657% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 2,833 |
| Noncurrent loans to loans | 1.3064% | 2,263 |
| Net loans and leases to total assets | 62.9105% | 3,375 |
| Net loans and leases to deposits | 79.8632% | 2,734 |
| Net loans and leases to core deposits | 84.5164% | 2,844 |
| Total domestic deposits to total assets | 78.7729% | 5,297 |
| Equity capital to assets | 13.7175% | 1,065 |
| Core capital (leverage) ratio | 13.6594% | 914 |
| Tier 1 risk-based capital ratio | 22.3714% | 1,168 |
| Total risk-based capital ratio | 23.6288% | 1,152 |
| Memoranda: | ||
| Average total assets | $238,248,600 | 2,631 |
| Average earning assets | $223,640,000 | 2,594 |
| Average equity | $32,308,800 | 2,151 |
| Average total loans | $141,792,200 | 2,689 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,859 |
| Cost of funding earning assets | 0.5858% | 1,961 |
| Net interest margin | 3.1145% | 5,213 |
| Noninterest income to average assets | 0.4089% | 4,172 |
| Noninterest expense to average assets | 1.5699% | 6,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2190% | 1,610 |
| Return on assets (ROA) | 1.2190% | 1,671 |
| Pretax return on assets | 1.7587% | 966 |
| Return on Equity (ROE) | 9.0150% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.0150% | 997 |
| Net charge-offs to loans | 0.1732% | 2,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.3921% | 1,903 |
| Efficiency ratio | 47.1635% | 6,238 |
| Assets per employee ($millions) | 7.7915% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 1,521 |
| Loan loss allowance to noncurrent loans | 107.9937% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 2,829 |
| Noncurrent loans to loans | 1.7338% | 1,873 |
| Net loans and leases to total assets | 59.2115% | 3,904 |
| Net loans and leases to deposits | 76.1251% | 3,169 |
| Net loans and leases to core deposits | 80.4257% | 3,266 |
| Total domestic deposits to total assets | 77.7818% | 5,570 |
| Equity capital to assets | 13.8973% | 1,041 |
| Core capital (leverage) ratio | 14.1494% | 805 |
| Tier 1 risk-based capital ratio | 23.4978% | 1,048 |
| Total risk-based capital ratio | 24.7556% | 1,033 |
| Memoranda: | ||
| Average total assets | $238,656,500 | 2,644 |
| Average earning assets | $223,720,750 | 2,597 |
| Average equity | $32,271,500 | 2,157 |
| Average total loans | $139,350,000 | 2,741 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,893 |
| Cost of funding earning assets | 0.5870% | 2,011 |
| Net interest margin | 3.1024% | 5,250 |
| Noninterest income to average assets | 0.4375% | 3,968 |
| Noninterest expense to average assets | 1.5617% | 6,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2335% | 1,494 |
| Return on assets (ROA) | 1.2335% | 1,557 |
| Pretax return on assets | 1.7796% | 880 |
| Return on Equity (ROE) | 9.2086% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.2086% | 914 |
| Net charge-offs to loans | 0.0802% | 2,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 38.4545% | 1,089 |
| Efficiency ratio | 46.7389% | 6,332 |
| Assets per employee ($millions) | 7.5156% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 1,257 |
| Loan loss allowance to noncurrent loans | 124.4551% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 3,042 |
| Noncurrent loans to loans | 1.6548% | 2,098 |
| Net loans and leases to total assets | 58.2735% | 3,955 |
| Net loans and leases to deposits | 71.6117% | 3,626 |
| Net loans and leases to core deposits | 75.4070% | 3,687 |
| Total domestic deposits to total assets | 81.3743% | 4,849 |
| Equity capital to assets | 14.0885% | 936 |
| Core capital (leverage) ratio | 13.9425% | 850 |
| Tier 1 risk-based capital ratio | 24.0381% | 979 |
| Total risk-based capital ratio | 25.2986% | 958 |
| Memoranda: | ||
| Average total assets | $237,696,670 | 2,652 |
| Average earning assets | $222,475,330 | 2,621 |
| Average equity | $31,839,670 | 2,167 |
| Average total loans | $137,218,000 | 2,765 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 4,937 |
| Cost of funding earning assets | 0.5817% | 2,144 |
| Net interest margin | 3.0911% | 5,281 |
| Noninterest income to average assets | 0.4816% | 3,555 |
| Noninterest expense to average assets | 1.5247% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2731% | 1,289 |
| Return on assets (ROA) | 1.2731% | 1,340 |
| Pretax return on assets | 1.8346% | 759 |
| Return on Equity (ROE) | 9.7488% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.7488% | 1,032 |
| Net charge-offs to loans | 0.2139% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.0822% | 1,566 |
| Efficiency ratio | 45.3869% | 6,446 |
| Assets per employee ($millions) | 7.6366% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 1,384 |
| Loan loss allowance to noncurrent loans | 131.5253% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 3,380 |
| Noncurrent loans to loans | 1.5727% | 2,457 |
| Net loans and leases to total assets | 56.7370% | 4,042 |
| Net loans and leases to deposits | 68.5844% | 3,787 |
| Net loans and leases to core deposits | 72.2099% | 3,850 |
| Total domestic deposits to total assets | 82.7259% | 4,702 |
| Equity capital to assets | 13.4817% | 1,102 |
| Core capital (leverage) ratio | 13.6641% | 929 |
| Tier 1 risk-based capital ratio | 23.5409% | 1,072 |
| Total risk-based capital ratio | 24.8010% | 1,049 |
| Memoranda: | ||
| Average total assets | $240,053,000 | 2,644 |
| Average earning assets | $223,482,000 | 2,625 |
| Average equity | $31,347,500 | 2,188 |
| Average total loans | $136,515,500 | 2,786 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,782 |
| Cost of funding earning assets | 0.6997% | 1,815 |
| Net interest margin | 3.1104% | 5,280 |
| Noninterest income to average assets | 0.3848% | 4,555 |
| Noninterest expense to average assets | 1.6652% | 6,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1539% | 1,745 |
| Return on assets (ROA) | 1.1539% | 1,809 |
| Pretax return on assets | 1.6360% | 1,087 |
| Return on Equity (ROE) | 8.7209% | 2,688 |
| Retained earnings to average equity (ytd only) | 3.6566% | 3,622 |
| Net charge-offs to loans | 0.5343% | 1,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.4437% | 3,299 |
| Efficiency ratio | 50.4424% | 6,383 |
| Assets per employee ($millions) | 8.1123% | 450 |
| Cash dividends to net income (ytd only)* | 58.0704% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1416% | 1,265 |
| Loan loss allowance to noncurrent loans | 135.9178% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 3,620 |
| Noncurrent loans to loans | 1.5757% | 2,535 |
| Net loans and leases to total assets | 54.6357% | 4,513 |
| Net loans and leases to deposits | 67.6123% | 4,104 |
| Net loans and leases to core deposits | 71.3105% | 4,150 |
| Total domestic deposits to total assets | 80.8074% | 5,238 |
| Equity capital to assets | 12.6470% | 1,446 |
| Core capital (leverage) ratio | 13.1848% | 1,061 |
| Tier 1 risk-based capital ratio | 22.7747% | 1,134 |
| Total risk-based capital ratio | 24.0353% | 1,107 |
| Memoranda: | ||
| Average total assets | $236,248,000 | 2,655 |
| Average earning assets | $221,518,200 | 2,602 |
| Average equity | $31,258,400 | 2,172 |
| Average total loans | $132,885,800 | 2,806 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 4,685 |
| Cost of funding earning assets | 0.7170% | 1,832 |
| Net interest margin | 3.1268% | 5,242 |
| Noninterest income to average assets | 0.3867% | 4,628 |
| Noninterest expense to average assets | 1.5206% | 6,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2698% | 1,433 |
| Return on assets (ROA) | 1.2698% | 1,504 |
| Pretax return on assets | 1.8146% | 872 |
| Return on Equity (ROE) | 9.4883% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.4883% | 909 |
| Net charge-offs to loans | 0.1049% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.6834% | 1,222 |
| Efficiency ratio | 45.5925% | 6,608 |
| Assets per employee ($millions) | 7.8912% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 806 |
| Loan loss allowance to noncurrent loans | 117.5527% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 3,003 |
| Noncurrent loans to loans | 2.2394% | 1,970 |
| Net loans and leases to total assets | 54.9342% | 4,470 |
| Net loans and leases to deposits | 67.0421% | 4,172 |
| Net loans and leases to core deposits | 70.6800% | 4,244 |
| Total domestic deposits to total assets | 81.9398% | 4,952 |
| Equity capital to assets | 13.5138% | 1,112 |
| Core capital (leverage) ratio | 13.8334% | 911 |
| Tier 1 risk-based capital ratio | 23.9945% | 1,003 |
| Total risk-based capital ratio | 25.2614% | 985 |
| Memoranda: | ||
| Average total assets | $234,467,500 | 2,693 |
| Average earning assets | $221,093,750 | 2,618 |
| Average equity | $31,378,250 | 2,184 |
| Average total loans | $132,138,000 | 2,834 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 4,674 |
| Cost of funding earning assets | 0.7290% | 1,850 |
| Net interest margin | 3.1152% | 5,232 |
| Noninterest income to average assets | 0.4022% | 4,510 |
| Noninterest expense to average assets | 1.5164% | 6,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2871% | 1,355 |
| Return on assets (ROA) | 1.2871% | 1,452 |
| Pretax return on assets | 1.8330% | 858 |
| Return on Equity (ROE) | 9.6492% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.6492% | 928 |
| Net charge-offs to loans | 0.0046% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 714.0000% | 56 |
| Efficiency ratio | 45.2734% | 6,674 |
| Assets per employee ($millions) | 7.5002% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7229% | 773 |
| Loan loss allowance to noncurrent loans | 112.9959% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,011 |
| Noncurrent loans to loans | 2.4097% | 1,948 |
| Net loans and leases to total assets | 55.5773% | 4,358 |
| Net loans and leases to deposits | 68.3467% | 3,963 |
| Net loans and leases to core deposits | 72.0316% | 4,033 |
| Total domestic deposits to total assets | 81.3167% | 5,256 |
| Equity capital to assets | 13.2581% | 1,238 |
| Core capital (leverage) ratio | 13.4754% | 986 |
| Tier 1 risk-based capital ratio | 23.8555% | 1,012 |
| Total risk-based capital ratio | 25.1238% | 998 |
| Memoranda: | ||
| Average total assets | $233,711,330 | 2,707 |
| Average earning assets | $221,112,330 | 2,628 |
| Average equity | $31,173,670 | 2,204 |
| Average total loans | $131,662,330 | 2,851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 4,573 |
| Cost of funding earning assets | 0.7483% | 1,866 |
| Net interest margin | 3.1250% | 5,178 |
| Noninterest income to average assets | 0.4063% | 4,409 |
| Noninterest expense to average assets | 1.5006% | 6,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3025% | 1,268 |
| Return on assets (ROA) | 1.3025% | 1,370 |
| Pretax return on assets | 1.8573% | 793 |
| Return on Equity (ROE) | 9.7360% | 2,170 |
| Retained earnings to average equity (ytd only) | 9.7360% | 1,172 |
| Net charge-offs to loans | -0.0153% | 5,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6873% | 6,744 |
| Assets per employee ($millions) | 7.6660% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7888% | 830 |
| Loan loss allowance to noncurrent loans | 114.6018% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 3,206 |
| Noncurrent loans to loans | 2.4335% | 2,121 |
| Net loans and leases to total assets | 53.1861% | 4,534 |
| Net loans and leases to deposits | 64.3633% | 4,275 |
| Net loans and leases to core deposits | 67.1533% | 4,401 |
| Total domestic deposits to total assets | 82.6342% | 4,976 |
| Equity capital to assets | 13.3060% | 1,294 |
| Core capital (leverage) ratio | 13.4388% | 962 |
| Tier 1 risk-based capital ratio | 23.9210% | 1,029 |
| Total risk-based capital ratio | 25.1900% | 1,005 |
| Memoranda: | ||
| Average total assets | $234,313,500 | 2,733 |
| Average earning assets | $221,311,000 | 2,658 |
| Average equity | $31,347,500 | 2,220 |
| Average total loans | $131,074,500 | 2,879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 4,296 |
| Cost of funding earning assets | 0.9080% | 1,892 |
| Net interest margin | 3.3680% | 5,007 |
| Noninterest income to average assets | 0.3873% | 4,710 |
| Noninterest expense to average assets | 1.7192% | 6,708 |
| Loan and lease loss provision to assets | 0.2650% | 2,525 |
| Net operating income to assets | 1.1218% | 1,869 |
| Return on assets (ROA) | 1.1372% | 1,984 |
| Pretax return on assets | 1.6009% | 1,386 |
| Return on Equity (ROE) | 8.2497% | 2,983 |
| Retained earnings to average equity (ytd only) | 3.3031% | 3,899 |
| Net charge-offs to loans | 0.2579% | 3,394 |
| Credit loss provision to net charge-offs | 175.4386% | 1,497 |
| Earnings coverage of net charge-offs (x) | 12.2105% | 1,952 |
| Efficiency ratio | 48.2464% | 6,693 |
| Assets per employee ($millions) | 7.9649% | 507 |
| Cash dividends to net income (ytd only)* | 59.9612% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7397% | 888 |
| Loan loss allowance to noncurrent loans | 124.9137% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3382% | 3,401 |
| Noncurrent loans to loans | 2.1933% | 2,473 |
| Net loans and leases to total assets | 55.6359% | 4,357 |
| Net loans and leases to deposits | 67.8685% | 4,006 |
| Net loans and leases to core deposits | 70.6726% | 4,208 |
| Total domestic deposits to total assets | 81.9761% | 5,108 |
| Equity capital to assets | 13.4530% | 1,251 |
| Core capital (leverage) ratio | 13.0989% | 1,080 |
| Tier 1 risk-based capital ratio | 23.1812% | 1,083 |
| Total risk-based capital ratio | 24.4498% | 1,065 |
| Memoranda: | ||
| Average total assets | $226,440,200 | 2,771 |
| Average earning assets | $213,540,600 | 2,692 |
| Average equity | $31,213,400 | 2,188 |
| Average total loans | $132,603,000 | 2,832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 4,242 |
| Cost of funding earning assets | 0.9421% | 1,894 |
| Net interest margin | 3.4099% | 5,002 |
| Noninterest income to average assets | 0.3971% | 4,659 |
| Noninterest expense to average assets | 1.5670% | 6,900 |
| Loan and lease loss provision to assets | 0.1331% | 3,877 |
| Net operating income to assets | 1.3266% | 1,383 |
| Return on assets (ROA) | 1.3469% | 1,480 |
| Pretax return on assets | 1.9345% | 806 |
| Return on Equity (ROE) | 9.7112% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.7112% | 998 |
| Net charge-offs to loans | 0.2090% | 3,478 |
| Credit loss provision to net charge-offs | 108.1731% | 2,715 |
| Earnings coverage of net charge-offs (x) | 16.5623% | 1,685 |
| Efficiency ratio | 43.4597% | 6,912 |
| Assets per employee ($millions) | 7.7820% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5623% | 1,124 |
| Loan loss allowance to noncurrent loans | 125.2409% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 3,734 |
| Noncurrent loans to loans | 2.0459% | 2,797 |
| Net loans and leases to total assets | 56.9375% | 4,307 |
| Net loans and leases to deposits | 70.2214% | 3,867 |
| Net loans and leases to core deposits | 73.5040% | 4,047 |
| Total domestic deposits to total assets | 81.0829% | 5,327 |
| Equity capital to assets | 14.3992% | 1,004 |
| Core capital (leverage) ratio | 14.1012% | 797 |
| Tier 1 risk-based capital ratio | 24.4874% | 956 |
| Total risk-based capital ratio | 25.7617% | 945 |
| Memoranda: | ||
| Average total assets | $225,304,750 | 2,802 |
| Average earning assets | $212,006,000 | 2,736 |
| Average equity | $31,248,250 | 2,204 |
| Average total loans | $132,721,500 | 2,860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 4,146 |
| Cost of funding earning assets | 0.9637% | 1,973 |
| Net interest margin | 3.4462% | 4,896 |
| Noninterest income to average assets | 0.4174% | 4,525 |
| Noninterest expense to average assets | 1.5543% | 6,969 |
| Loan and lease loss provision to assets | 0.1332% | 3,864 |
| Net operating income to assets | 1.3666% | 1,269 |
| Return on assets (ROA) | 1.3971% | 1,342 |
| Pretax return on assets | 2.0099% | 688 |
| Return on Equity (ROE) | 10.2036% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.2036% | 920 |
| Net charge-offs to loans | 0.2541% | 3,056 |
| Credit loss provision to net charge-offs | 88.7574% | 3,083 |
| Earnings coverage of net charge-offs (x) | 13.9882% | 1,743 |
| Efficiency ratio | 42.5377% | 7,005 |
| Assets per employee ($millions) | 7.4147% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5348% | 1,239 |
| Loan loss allowance to noncurrent loans | 267.0128% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 5,067 |
| Noncurrent loans to loans | 0.9493% | 4,608 |
| Net loans and leases to total assets | 57.7867% | 4,202 |
| Net loans and leases to deposits | 71.1025% | 3,753 |
| Net loans and leases to core deposits | 74.5936% | 3,947 |
| Total domestic deposits to total assets | 81.2724% | 5,367 |
| Equity capital to assets | 14.2131% | 1,009 |
| Core capital (leverage) ratio | 13.5177% | 975 |
| Tier 1 risk-based capital ratio | 24.1124% | 999 |
| Total risk-based capital ratio | 25.3865% | 981 |
| Memoranda: | ||
| Average total assets | $225,180,000 | 2,815 |
| Average earning assets | $211,480,330 | 2,744 |
| Average equity | $30,832,330 | 2,212 |
| Average total loans | $133,003,670 | 2,873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 4,030 |
| Cost of funding earning assets | 0.9907% | 2,031 |
| Net interest margin | 3.4789% | 4,797 |
| Noninterest income to average assets | 0.3796% | 4,824 |
| Noninterest expense to average assets | 1.5449% | 7,020 |
| Loan and lease loss provision to assets | 0.1324% | 3,699 |
| Net operating income to assets | 1.3555% | 1,300 |
| Return on assets (ROA) | 1.4160% | 1,335 |
| Pretax return on assets | 2.0252% | 704 |
| Return on Equity (ROE) | 10.5386% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.5386% | 1,156 |
| Net charge-offs to loans | 0.2845% | 2,531 |
| Credit loss provision to net charge-offs | 78.9474% | 2,736 |
| Earnings coverage of net charge-offs (x) | 12.3474% | 1,608 |
| Efficiency ratio | 42.7246% | 7,034 |
| Assets per employee ($millions) | 7.2932% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5149% | 1,332 |
| Loan loss allowance to noncurrent loans | 297.8610% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,409 |
| Noncurrent loans to loans | 0.8443% | 4,987 |
| Net loans and leases to total assets | 57.2987% | 4,162 |
| Net loans and leases to deposits | 69.3278% | 3,827 |
| Net loans and leases to core deposits | 72.8466% | 4,037 |
| Total domestic deposits to total assets | 82.6489% | 5,061 |
| Equity capital to assets | 13.6150% | 1,192 |
| Core capital (leverage) ratio | 13.5724% | 922 |
| Tier 1 risk-based capital ratio | 23.5253% | 1,064 |
| Total risk-based capital ratio | 24.7997% | 1,047 |
| Memoranda: | ||
| Average total assets | $226,549,000 | 2,810 |
| Average earning assets | $210,758,500 | 2,765 |
| Average equity | $30,440,500 | 2,235 |
| Average total loans | $133,563,000 | 2,877 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 4,021 |
| Cost of funding earning assets | 1.2223% | 1,886 |
| Net interest margin | 3.5296% | 5,026 |
| Noninterest income to average assets | 0.3829% | 4,764 |
| Noninterest expense to average assets | 1.7235% | 7,040 |
| Loan and lease loss provision to assets | 0.2492% | 3,712 |
| Net operating income to assets | 1.1871% | 1,537 |
| Return on assets (ROA) | 1.2306% | 1,532 |
| Pretax return on assets | 1.7679% | 861 |
| Return on Equity (ROE) | 9.0926% | 2,406 |
| Retained earnings to average equity (ytd only) | 4.0508% | 3,307 |
| Net charge-offs to loans | 0.2363% | 4,301 |
| Credit loss provision to net charge-offs | 170.8075% | 1,571 |
| Earnings coverage of net charge-offs (x) | 13.4006% | 1,546 |
| Efficiency ratio | 46.8531% | 7,004 |
| Assets per employee ($millions) | 7.3229% | 624 |
| Cash dividends to net income (ytd only)* | 55.4492% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5045% | 1,310 |
| Loan loss allowance to noncurrent loans | 325.1451% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 5,536 |
| Noncurrent loans to loans | 0.7703% | 5,154 |
| Net loans and leases to total assets | 57.6523% | 4,438 |
| Net loans and leases to deposits | 69.3203% | 4,229 |
| Net loans and leases to core deposits | 73.1257% | 4,363 |
| Total domestic deposits to total assets | 83.1681% | 4,681 |
| Equity capital to assets | 13.2589% | 1,377 |
| Core capital (leverage) ratio | 12.9875% | 1,145 |
| Tier 1 risk-based capital ratio | 22.3905% | 1,183 |
| Total risk-based capital ratio | 23.6571% | 1,154 |
| Memoranda: | ||
| Average total assets | $220,712,200 | 2,831 |
| Average earning assets | $206,086,200 | 2,778 |
| Average equity | $29,870,600 | 2,209 |
| Average total loans | $136,295,000 | 2,871 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 4,170 |
| Cost of funding earning assets | 1.2662% | 1,892 |
| Net interest margin | 3.4986% | 5,196 |
| Noninterest income to average assets | 0.3912% | 4,731 |
| Noninterest expense to average assets | 1.5667% | 7,186 |
| Loan and lease loss provision to assets | 0.1673% | 4,381 |
| Net operating income to assets | 1.3297% | 1,309 |
| Return on assets (ROA) | 1.3872% | 1,260 |
| Pretax return on assets | 2.0188% | 606 |
| Return on Equity (ROE) | 10.1965% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.1965% | 790 |
| Net charge-offs to loans | 0.2982% | 3,604 |
| Credit loss provision to net charge-offs | 89.8693% | 3,773 |
| Earnings coverage of net charge-offs (x) | 11.2941% | 1,822 |
| Efficiency ratio | 42.6961% | 7,187 |
| Assets per employee ($millions) | 7.2166% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2880% | 1,711 |
| Loan loss allowance to noncurrent loans | 258.3680% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 5,301 |
| Noncurrent loans to loans | 0.8856% | 5,086 |
| Net loans and leases to total assets | 59.2340% | 4,283 |
| Net loans and leases to deposits | 72.2386% | 3,949 |
| Net loans and leases to core deposits | 76.4468% | 4,145 |
| Total domestic deposits to total assets | 81.9977% | 5,090 |
| Equity capital to assets | 13.9507% | 1,174 |
| Core capital (leverage) ratio | 13.8053% | 951 |
| Tier 1 risk-based capital ratio | 23.2800% | 1,111 |
| Total risk-based capital ratio | 24.5516% | 1,088 |
| Memoranda: | ||
| Average total assets | $219,138,000 | 2,848 |
| Average earning assets | $205,333,500 | 2,794 |
| Average equity | $29,813,500 | 2,209 |
| Average total loans | $136,809,250 | 2,888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 4,130 |
| Cost of funding earning assets | 1.3142% | 1,857 |
| Net interest margin | 3.4766% | 5,265 |
| Noninterest income to average assets | 0.4228% | 4,490 |
| Noninterest expense to average assets | 1.5753% | 7,263 |
| Loan and lease loss provision to assets | 0.1838% | 4,084 |
| Net operating income to assets | 1.3279% | 1,252 |
| Return on assets (ROA) | 1.4053% | 1,134 |
| Pretax return on assets | 2.0458% | 539 |
| Return on Equity (ROE) | 10.4198% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.4198% | 762 |
| Net charge-offs to loans | 0.3979% | 2,970 |
| Credit loss provision to net charge-offs | 73.2601% | 3,970 |
| Earnings coverage of net charge-offs (x) | 8.4396% | 2,057 |
| Efficiency ratio | 42.6580% | 7,282 |
| Assets per employee ($millions) | 7.5171% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2591% | 1,809 |
| Loan loss allowance to noncurrent loans | 234.9194% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 5,051 |
| Noncurrent loans to loans | 0.9616% | 5,065 |
| Net loans and leases to total assets | 60.7518% | 4,134 |
| Net loans and leases to deposits | 74.1346% | 3,791 |
| Net loans and leases to core deposits | 78.6639% | 3,977 |
| Total domestic deposits to total assets | 81.9479% | 5,186 |
| Equity capital to assets | 13.8851% | 1,139 |
| Core capital (leverage) ratio | 13.4782% | 1,003 |
| Tier 1 risk-based capital ratio | 22.7602% | 1,157 |
| Total risk-based capital ratio | 24.0042% | 1,138 |
| Memoranda: | ||
| Average total assets | $217,612,000 | 2,880 |
| Average earning assets | $204,684,000 | 2,820 |
| Average equity | $29,348,000 | 2,214 |
| Average total loans | $137,206,000 | 2,909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 3,712 |
| Cost of funding earning assets | 1.3736% | 1,750 |
| Net interest margin | 3.4999% | 5,010 |
| Noninterest income to average assets | 0.4139% | 4,590 |
| Noninterest expense to average assets | 1.6006% | 7,303 |
| Loan and lease loss provision to assets | 0.1380% | 4,284 |
| Net operating income to assets | 1.3471% | 1,160 |
| Return on assets (ROA) | 1.3890% | 1,128 |
| Pretax return on assets | 2.0127% | 548 |
| Return on Equity (ROE) | 10.4543% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.4543% | 1,006 |
| Net charge-offs to loans | 0.2289% | 3,166 |
| Credit loss provision to net charge-offs | 94.9367% | 2,850 |
| Earnings coverage of net charge-offs (x) | 14.3797% | 1,375 |
| Efficiency ratio | 43.3699% | 7,303 |
| Assets per employee ($millions) | 7.7945% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2886% | 1,784 |
| Loan loss allowance to noncurrent loans | 164.3045% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 4,872 |
| Noncurrent loans to loans | 1.3929% | 4,382 |
| Net loans and leases to total assets | 61.2314% | 4,028 |
| Net loans and leases to deposits | 73.6058% | 3,820 |
| Net loans and leases to core deposits | 78.0797% | 4,004 |
| Total domestic deposits to total assets | 83.1882% | 4,860 |
| Equity capital to assets | 13.4243% | 1,211 |
| Core capital (leverage) ratio | 13.2133% | 1,055 |
| Tier 1 risk-based capital ratio | 22.2400% | 1,186 |
| Total risk-based capital ratio | 23.4963% | 1,158 |
| Memoranda: | ||
| Average total assets | $217,419,500 | 2,906 |
| Average earning assets | $203,548,000 | 2,851 |
| Average equity | $28,887,500 | 2,237 |
| Average total loans | $138,060,000 | 2,926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 3,765 |
| Cost of funding earning assets | 1.5856% | 2,159 |
| Net interest margin | 3.5809% | 4,907 |
| Noninterest income to average assets | 0.3865% | 5,008 |
| Noninterest expense to average assets | 1.7345% | 7,320 |
| Loan and lease loss provision to assets | 0.5016% | 3,146 |
| Net operating income to assets | 1.0712% | 1,797 |
| Return on assets (ROA) | 1.0883% | 1,817 |
| Pretax return on assets | 1.5436% | 1,267 |
| Return on Equity (ROE) | 8.1581% | 2,638 |
| Retained earnings to average equity (ytd only) | 3.0740% | 3,701 |
| Net charge-offs to loans | 0.5329% | 3,483 |
| Credit loss provision to net charge-offs | 146.2264% | 2,518 |
| Earnings coverage of net charge-offs (x) | 5.8922% | 2,503 |
| Efficiency ratio | 46.1841% | 7,343 |
| Assets per employee ($millions) | 7.2198% | 673 |
| Cash dividends to net income (ytd only)* | 62.3195% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 1,777 |
| Loan loss allowance to noncurrent loans | 114.3378% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 4,282 |
| Noncurrent loans to loans | 1.9669% | 3,610 |
| Net loans and leases to total assets | 62.8926% | 4,094 |
| Net loans and leases to deposits | 76.0353% | 3,831 |
| Net loans and leases to core deposits | 80.9149% | 4,076 |
| Total domestic deposits to total assets | 82.7150% | 4,924 |
| Equity capital to assets | 13.1477% | 1,320 |
| Core capital (leverage) ratio | 12.7646% | 1,219 |
| Tier 1 risk-based capital ratio | 21.1624% | 1,291 |
| Total risk-based capital ratio | 22.4336% | 1,269 |
| Memoranda: | ||
| Average total assets | $216,310,200 | 2,913 |
| Average earning assets | $203,523,600 | 2,827 |
| Average equity | $28,854,800 | 2,253 |
| Average total loans | $139,232,400 | 2,966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 3,962 |
| Cost of funding earning assets | 1.6036% | 2,367 |
| Net interest margin | 3.5712% | 5,013 |
| Noninterest income to average assets | 0.4063% | 4,904 |
| Noninterest expense to average assets | 1.5760% | 7,514 |
| Loan and lease loss provision to assets | 0.2528% | 4,565 |
| Net operating income to assets | 1.3362% | 1,269 |
| Return on assets (ROA) | 1.3583% | 1,283 |
| Pretax return on assets | 1.9737% | 653 |
| Return on Equity (ROE) | 10.1462% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.1462% | 760 |
| Net charge-offs to loans | 0.5479% | 3,110 |
| Credit loss provision to net charge-offs | 71.6783% | 5,372 |
| Earnings coverage of net charge-offs (x) | 6.2220% | 2,570 |
| Efficiency ratio | 41.7989% | 7,532 |
| Assets per employee ($millions) | 7.0746% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,597 |
| Loan loss allowance to noncurrent loans | 114.1554% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2354% | 4,683 |
| Noncurrent loans to loans | 1.6286% | 4,206 |
| Net loans and leases to total assets | 65.3871% | 3,821 |
| Net loans and leases to deposits | 82.7981% | 2,948 |
| Net loans and leases to core deposits | 88.0744% | 3,358 |
| Total domestic deposits to total assets | 78.9718% | 6,026 |
| Equity capital to assets | 14.2683% | 1,096 |
| Core capital (leverage) ratio | 13.6986% | 993 |
| Tier 1 risk-based capital ratio | 22.2107% | 1,177 |
| Total risk-based capital ratio | 23.4770% | 1,144 |
| Memoranda: | ||
| Average total assets | $216,239,500 | 2,962 |
| Average earning assets | $203,699,500 | 2,875 |
| Average equity | $28,949,250 | 2,277 |
| Average total loans | $139,201,750 | 2,998 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 4,375 |
| Cost of funding earning assets | 1.6169% | 2,563 |
| Net interest margin | 3.4981% | 5,250 |
| Noninterest income to average assets | 0.4366% | 4,638 |
| Noninterest expense to average assets | 1.5526% | 7,593 |
| Loan and lease loss provision to assets | 0.2620% | 4,304 |
| Net operating income to assets | 1.3216% | 1,254 |
| Return on assets (ROA) | 1.3375% | 1,296 |
| Pretax return on assets | 1.9423% | 685 |
| Return on Equity (ROE) | 10.2089% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.2089% | 799 |
| Net charge-offs to loans | 0.7193% | 2,419 |
| Credit loss provision to net charge-offs | 57.2289% | 5,279 |
| Earnings coverage of net charge-offs (x) | 4.7651% | 2,854 |
| Efficiency ratio | 41.5805% | 7,607 |
| Assets per employee ($millions) | 7.1695% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 2,664 |
| Loan loss allowance to noncurrent loans | 109.2836% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 4,783 |
| Noncurrent loans to loans | 1.6665% | 4,196 |
| Net loans and leases to total assets | 64.6160% | 4,129 |
| Net loans and leases to deposits | 81.2307% | 3,395 |
| Net loans and leases to core deposits | 87.0666% | 3,683 |
| Total domestic deposits to total assets | 79.5463% | 5,876 |
| Equity capital to assets | 13.6476% | 1,290 |
| Core capital (leverage) ratio | 13.1060% | 1,173 |
| Tier 1 risk-based capital ratio | 21.4397% | 1,278 |
| Total risk-based capital ratio | 22.7033% | 1,254 |
| Memoranda: | ||
| Average total assets | $217,573,000 | 2,968 |
| Average earning assets | $205,084,000 | 2,877 |
| Average equity | $28,504,670 | 2,302 |
| Average total loans | $138,467,000 | 3,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 4,892 |
| Cost of funding earning assets | 1.6322% | 2,761 |
| Net interest margin | 3.3967% | 5,594 |
| Noninterest income to average assets | 0.3821% | 5,077 |
| Noninterest expense to average assets | 1.5246% | 7,703 |
| Loan and lease loss provision to assets | 0.1371% | 5,192 |
| Net operating income to assets | 1.3143% | 1,266 |
| Return on assets (ROA) | 1.3143% | 1,339 |
| Pretax return on assets | 1.9121% | 718 |
| Return on Equity (ROE) | 10.2422% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.2422% | 1,089 |
| Net charge-offs to loans | 0.6515% | 2,193 |
| Credit loss provision to net charge-offs | 33.6323% | 4,758 |
| Earnings coverage of net charge-offs (x) | 5.0269% | 2,486 |
| Efficiency ratio | 42.6598% | 7,660 |
| Assets per employee ($millions) | 7.3915% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 2,404 |
| Loan loss allowance to noncurrent loans | 103.8507% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.3700% | 4,460 |
| Noncurrent loans to loans | 1.8411% | 4,008 |
| Net loans and leases to total assets | 61.1464% | 4,917 |
| Net loans and leases to deposits | 76.0015% | 4,415 |
| Net loans and leases to core deposits | 81.3933% | 4,571 |
| Total domestic deposits to total assets | 80.4541% | 5,638 |
| Equity capital to assets | 12.8323% | 1,589 |
| Core capital (leverage) ratio | 12.8709% | 1,263 |
| Tier 1 risk-based capital ratio | 21.0394% | 1,335 |
| Total risk-based capital ratio | 22.2820% | 1,308 |
| Memoranda: | ||
| Average total assets | $218,816,500 | 3,005 |
| Average earning assets | $205,612,000 | 2,923 |
| Average equity | $28,080,000 | 2,367 |
| Average total loans | $136,921,500 | 3,131 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 3,640 |
| Cost of funding earning assets | 2.0145% | 2,896 |
| Net interest margin | 3.5791% | 4,621 |
| Noninterest income to average assets | 0.4103% | 5,120 |
| Noninterest expense to average assets | 1.7631% | 7,649 |
| Loan and lease loss provision to assets | 0.5483% | 3,626 |
| Net operating income to assets | 1.0282% | 1,750 |
| Return on assets (ROA) | 1.0668% | 1,648 |
| Pretax return on assets | 1.5074% | 1,172 |
| Return on Equity (ROE) | 8.1303% | 2,319 |
| Retained earnings to average equity (ytd only) | 2.9863% | 3,078 |
| Net charge-offs to loans | 0.5074% | 3,751 |
| Credit loss provision to net charge-offs | 164.5390% | 2,651 |
| Earnings coverage of net charge-offs (x) | 6.0057% | 2,452 |
| Efficiency ratio | 46.8358% | 7,673 |
| Assets per employee ($millions) | 7.1963% | 741 |
| Cash dividends to net income (ytd only)* | 63.2698% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0581% | 1,897 |
| Loan loss allowance to noncurrent loans | 115.2829% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 4,640 |
| Noncurrent loans to loans | 1.7853% | 3,965 |
| Net loans and leases to total assets | 61.5226% | 5,099 |
| Net loans and leases to deposits | 76.7675% | 4,611 |
| Net loans and leases to core deposits | 92.9383% | 4,790 |
| Total domestic deposits to total assets | 80.1416% | 5,633 |
| Equity capital to assets | 12.8330% | 1,577 |
| Core capital (leverage) ratio | 12.6487% | 1,377 |
| Tier 1 risk-based capital ratio | 21.1559% | 1,267 |
| Total risk-based capital ratio | 22.0121% | 1,302 |
| Memoranda: | ||
| Average total assets | $211,560,800 | 3,047 |
| Average earning assets | $198,262,600 | 2,991 |
| Average equity | $27,760,200 | 2,396 |
| Average total loans | $138,948,800 | 3,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6848% | 3,412 |
| Cost of funding earning assets | 2.0949% | 2,911 |
| Net interest margin | 3.5900% | 4,513 |
| Noninterest income to average assets | 0.4130% | 5,186 |
| Noninterest expense to average assets | 1.6274% | 7,809 |
| Loan and lease loss provision to assets | 0.2597% | 4,880 |
| Net operating income to assets | 1.3003% | 1,213 |
| Return on assets (ROA) | 1.3505% | 1,186 |
| Pretax return on assets | 1.9618% | 581 |
| Return on Equity (ROE) | 10.2348% | 1,835 |
| Retained earnings to average equity (ytd only) | 10.2348% | 592 |
| Net charge-offs to loans | 0.5914% | 2,906 |
| Credit loss provision to net charge-offs | 66.1290% | 6,063 |
| Earnings coverage of net charge-offs (x) | 5.4709% | 2,812 |
| Efficiency ratio | 43.0968% | 7,861 |
| Assets per employee ($millions) | 7.0960% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 3,200 |
| Loan loss allowance to noncurrent loans | 103.0039% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 4,935 |
| Noncurrent loans to loans | 1.5031% | 4,408 |
| Net loans and leases to total assets | 63.5057% | 4,975 |
| Net loans and leases to deposits | 79.9072% | 4,405 |
| Net loans and leases to core deposits | 96.8133% | 4,727 |
| Total domestic deposits to total assets | 79.4744% | 5,636 |
| Equity capital to assets | 13.7331% | 1,406 |
| Core capital (leverage) ratio | 13.4113% | 1,258 |
| Tier 1 risk-based capital ratio | 21.8830% | 1,238 |
| Total risk-based capital ratio | 23.1455% | 1,213 |
| Memoranda: | ||
| Average total assets | $210,479,000 | 3,082 |
| Average earning assets | $197,174,500 | 3,025 |
| Average equity | $27,774,000 | 2,404 |
| Average total loans | $139,783,250 | 3,122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8073% | 3,009 |
| Cost of funding earning assets | 2.1617% | 2,977 |
| Net interest margin | 3.6456% | 4,191 |
| Noninterest income to average assets | 0.4044% | 5,246 |
| Noninterest expense to average assets | 1.6845% | 7,848 |
| Loan and lease loss provision to assets | 0.2718% | 4,399 |
| Net operating income to assets | 1.2807% | 1,276 |
| Return on assets (ROA) | 1.3564% | 1,182 |
| Pretax return on assets | 1.9697% | 602 |
| Return on Equity (ROE) | 10.4225% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.4225% | 648 |
| Net charge-offs to loans | 0.7781% | 2,124 |
| Credit loss provision to net charge-offs | 52.1024% | 5,737 |
| Earnings coverage of net charge-offs (x) | 4.0859% | 3,222 |
| Efficiency ratio | 44.1390% | 7,918 |
| Assets per employee ($millions) | 6.9335% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 3,179 |
| Loan loss allowance to noncurrent loans | 103.6482% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 4,544 |
| Noncurrent loans to loans | 1.4493% | 4,322 |
| Net loans and leases to total assets | 65.3778% | 4,685 |
| Net loans and leases to deposits | 81.9823% | 4,227 |
| Net loans and leases to core deposits | 98.6292% | 4,636 |
| Total domestic deposits to total assets | 79.7462% | 5,551 |
| Equity capital to assets | 13.4434% | 1,515 |
| Core capital (leverage) ratio | 13.0932% | 1,399 |
| Tier 1 risk-based capital ratio | 21.0742% | 1,381 |
| Total risk-based capital ratio | 22.3161% | 1,354 |
| Memoranda: | ||
| Average total assets | $209,678,670 | 3,109 |
| Average earning assets | $196,235,670 | 3,055 |
| Average equity | $27,287,000 | 2,448 |
| Average total loans | $140,605,330 | 3,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9100% | 2,747 |
| Cost of funding earning assets | 2.2385% | 2,970 |
| Net interest margin | 3.6715% | 4,010 |
| Noninterest income to average assets | 0.4009% | 5,205 |
| Noninterest expense to average assets | 1.6284% | 7,888 |
| Loan and lease loss provision to assets | 0.1425% | 5,118 |
| Net operating income to assets | 1.3985% | 1,141 |
| Return on assets (ROA) | 1.3985% | 1,230 |
| Pretax return on assets | 2.0426% | 614 |
| Return on Equity (ROE) | 10.9243% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.9243% | 989 |
| Net charge-offs to loans | 1.2800% | 1,097 |
| Credit loss provision to net charge-offs | 16.5198% | 5,123 |
| Earnings coverage of net charge-offs (x) | 2.5330% | 3,482 |
| Efficiency ratio | 42.7005% | 7,979 |
| Assets per employee ($millions) | 7.0551% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,518 |
| Loan loss allowance to noncurrent loans | 95.3704% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 4,431 |
| Noncurrent loans to loans | 1.4650% | 4,106 |
| Net loans and leases to total assets | 65.2543% | 4,754 |
| Net loans and leases to deposits | 81.6323% | 4,343 |
| Net loans and leases to core deposits | 97.2318% | 4,824 |
| Total domestic deposits to total assets | 79.9369% | 5,397 |
| Equity capital to assets | 12.9387% | 1,777 |
| Core capital (leverage) ratio | 12.7447% | 1,588 |
| Tier 1 risk-based capital ratio | 20.4878% | 1,525 |
| Total risk-based capital ratio | 21.7397% | 1,496 |
| Memoranda: | ||
| Average total assets | $210,515,500 | 3,109 |
| Average earning assets | $195,670,000 | 3,071 |
| Average equity | $26,949,000 | 2,495 |
| Average total loans | $141,876,500 | 3,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3523% | 3,681 |
| Cost of funding earning assets | 2.7877% | 2,762 |
| Net interest margin | 3.5646% | 5,041 |
| Noninterest income to average assets | 0.4712% | 4,869 |
| Noninterest expense to average assets | 1.6971% | 7,872 |
| Loan and lease loss provision to assets | 0.9967% | 1,479 |
| Net operating income to assets | 0.8137% | 3,376 |
| Return on assets (ROA) | 0.9160% | 2,784 |
| Pretax return on assets | 1.2739% | 2,393 |
| Return on Equity (ROE) | 7.2127% | 3,426 |
| Retained earnings to average equity (ytd only) | 1.9554% | 4,015 |
| Net charge-offs to loans | 0.9383% | 1,315 |
| Credit loss provision to net charge-offs | 151.2391% | 3,467 |
| Earnings coverage of net charge-offs (x) | 3.2296% | 4,472 |
| Efficiency ratio | 44.3621% | 8,001 |
| Assets per employee ($millions) | 6.7542% | 787 |
| Cash dividends to net income (ytd only)* | 72.8894% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 2,135 |
| Loan loss allowance to noncurrent loans | 91.1076% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 3,405 |
| Noncurrent loans to loans | 1.7845% | 3,086 |
| Net loans and leases to total assets | 67.5082% | 4,556 |
| Net loans and leases to deposits | 84.3904% | 4,362 |
| Net loans and leases to core deposits | 99.1895% | 4,907 |
| Total domestic deposits to total assets | 79.9951% | 5,027 |
| Equity capital to assets | 12.6627% | 1,940 |
| Core capital (leverage) ratio | 12.7115% | 1,659 |
| Tier 1 risk-based capital ratio | 19.7032% | 1,663 |
| Total risk-based capital ratio | 20.9593% | 1,622 |
| Memoranda: | ||
| Average total assets | $208,176,800 | 3,027 |
| Average earning assets | $195,897,600 | 2,943 |
| Average equity | $26,439,600 | 2,520 |
| Average total loans | $146,219,400 | 2,989 |