Home > West Gate Bank > Performance and Condition Ratios
West Gate 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 | 5.8209% | 806 |
| Cost of funding earning assets | 2.5409% | 337 |
| Net interest margin | 3.2801% | 2,681 |
| Noninterest income to average assets | 1.1900% | 503 |
| Noninterest expense to average assets | 3.0480% | 1,048 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8974% | 2,554 |
| Return on assets (ROA) | 0.8974% | 2,528 |
| Pretax return on assets | 1.0429% | 2,555 |
| Return on Equity (ROE) | 8.7000% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.7015% | 1,335 |
| Net charge-offs to loans | 0.0116% | 2,213 |
| Credit loss provision to net charge-offs | 99.0099% | 1,863 |
| Earnings coverage of net charge-offs (x) | 125.5644% | 801 |
| Efficiency ratio | 73.3581% | 1,521 |
| Assets per employee ($millions) | 5.9856% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,704 |
| Loan loss allowance to noncurrent loans | 769.5112% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 2,754 |
| Noncurrent loans to loans | 0.1459% | 2,786 |
| Net loans and leases to total assets | 69.8200% | 1,831 |
| Net loans and leases to deposits | 79.8374% | 2,125 |
| Net loans and leases to core deposits | 101.2922% | 1,366 |
| Total domestic deposits to total assets | 87.4500% | 1,537 |
| Equity capital to assets | 10.4790% | 1,732 |
| Core capital (leverage) ratio | 11.8151% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,206,491,800 | 851 |
| Average earning assets | $1,071,841,600 | 866 |
| Average equity | $124,426,600 | 796 |
| Average total loans | $869,028,200 | 813 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6427% | 859 |
| Cost of funding earning assets | 2.3802% | 346 |
| Net interest margin | 3.2625% | 2,770 |
| Noninterest income to average assets | 1.3200% | 452 |
| Noninterest expense to average assets | 3.0061% | 1,062 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0154% | 2,321 |
| Return on assets (ROA) | 1.0154% | 2,305 |
| Pretax return on assets | 1.1941% | 2,311 |
| Return on Equity (ROE) | 9.8900% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.8878% | 1,434 |
| Net charge-offs to loans | 0.0114% | 1,980 |
| Credit loss provision to net charge-offs | 101.3514% | 1,606 |
| Earnings coverage of net charge-offs (x) | 145.6892% | 747 |
| Efficiency ratio | 70.4468% | 1,735 |
| Assets per employee ($millions) | 5.9959% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,351 |
| Loan loss allowance to noncurrent loans | 816.3094% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 2,872 |
| Noncurrent loans to loans | 0.1228% | 2,943 |
| Net loans and leases to total assets | 69.6800% | 1,867 |
| Net loans and leases to deposits | 79.5017% | 2,095 |
| Net loans and leases to core deposits | 100.6858% | 1,283 |
| Total domestic deposits to total assets | 87.6500% | 1,685 |
| Equity capital to assets | 9.7466% | 1,963 |
| Core capital (leverage) ratio | 11.4384% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,195,369,250 | 863 |
| Average earning assets | $1,059,543,750 | 876 |
| Average equity | $122,760,500 | 798 |
| Average total loans | $865,452,250 | 816 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 1,162 |
| Cost of funding earning assets | 2.0733% | 426 |
| Net interest margin | 3.1675% | 3,065 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 2.9291% | 1,155 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9104% | 2,722 |
| Return on assets (ROA) | 0.9104% | 2,705 |
| Pretax return on assets | 1.0502% | 2,775 |
| Return on Equity (ROE) | 8.7100% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.7097% | 1,759 |
| Net charge-offs to loans | 0.0114% | 1,774 |
| Credit loss provision to net charge-offs | 102.0408% | 1,427 |
| Earnings coverage of net charge-offs (x) | 127.4898% | 817 |
| Efficiency ratio | 72.4012% | 1,516 |
| Assets per employee ($millions) | 5.9676% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,445 |
| Loan loss allowance to noncurrent loans | 436.4225% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,443 |
| Noncurrent loans to loans | 0.2278% | 2,354 |
| Net loans and leases to total assets | 68.6200% | 1,898 |
| Net loans and leases to deposits | 84.2581% | 1,649 |
| Net loans and leases to core deposits | 104.7193% | 1,024 |
| Total domestic deposits to total assets | 81.4400% | 3,350 |
| Equity capital to assets | 10.0110% | 1,857 |
| Core capital (leverage) ratio | 11.3834% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,180,108,667 | 861 |
| Average earning assets | $1,050,039,333 | 874 |
| Average equity | $123,357,333 | 789 |
| Average total loans | $862,723,333 | 803 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 1,765 |
| Cost of funding earning assets | 1.6151% | 678 |
| Net interest margin | 3.1216% | 3,301 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.9173% | 1,204 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4590% | 3,984 |
| Return on assets (ROA) | 0.4590% | 3,933 |
| Pretax return on assets | 0.4738% | 4,025 |
| Return on Equity (ROE) | 4.2900% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.2896% | 3,185 |
| Net charge-offs to loans | 0.0080% | 1,649 |
| Credit loss provision to net charge-offs | 147.0588% | 957 |
| Earnings coverage of net charge-offs (x) | 80.5294% | 889 |
| Efficiency ratio | 84.5292% | 565 |
| Assets per employee ($millions) | 5.3651% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,400 |
| Loan loss allowance to noncurrent loans | 301.2371% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 1,857 |
| Noncurrent loans to loans | 0.3410% | 1,921 |
| Net loans and leases to total assets | 73.5600% | 1,254 |
| Net loans and leases to deposits | 83.1201% | 1,568 |
| Net loans and leases to core deposits | 93.1575% | 1,445 |
| Total domestic deposits to total assets | 88.5000% | 1,739 |
| Equity capital to assets | 10.6548% | 1,486 |
| Core capital (leverage) ratio | 12.1984% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,134,610,000 | 900 |
| Average earning assets | $1,010,245,500 | 910 |
| Average equity | $121,410,500 | 811 |
| Average total loans | $853,603,000 | 825 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 987 |
| Cost of funding earning assets | 0.5349% | 1,194 |
| Net interest margin | 3.8051% | 1,152 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.3098% | 619 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.6990% | 3,623 |
| Return on assets (ROA) | 0.6990% | 3,572 |
| Pretax return on assets | 0.7856% | 3,664 |
| Return on Equity (ROE) | 6.6400% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.6367% | 2,394 |
| Net charge-offs to loans | 0.0705% | 939 |
| Credit loss provision to net charge-offs | 237.3494% | 1,023 |
| Earnings coverage of net charge-offs (x) | 16.5594% | 1,976 |
| Efficiency ratio | 77.1912% | 906 |
| Assets per employee ($millions) | 5.0728% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,223 |
| Loan loss allowance to noncurrent loans | 178.2980% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 1,132 |
| Noncurrent loans to loans | 0.5752% | 1,291 |
| Net loans and leases to total assets | 75.3900% | 1,076 |
| Net loans and leases to deposits | 95.7449% | 663 |
| Net loans and leases to core deposits | 99.1285% | 1,047 |
| Total domestic deposits to total assets | 78.7400% | 4,026 |
| Equity capital to assets | 10.7476% | 1,357 |
| Core capital (leverage) ratio | 12.1700% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,049,181,200 | 943 |
| Average earning assets | $947,351,200 | 951 |
| Average equity | $110,506,000 | 878 |
| Average total loans | $824,098,600 | 804 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 858 |
| Cost of funding earning assets | 0.2986% | 2,183 |
| Net interest margin | 3.9176% | 771 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 3.3747% | 537 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.7192% | 3,512 |
| Return on assets (ROA) | 0.7192% | 3,461 |
| Pretax return on assets | 0.8144% | 3,546 |
| Return on Equity (ROE) | 6.8200% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.8228% | 2,437 |
| Net charge-offs to loans | 0.0932% | 664 |
| Credit loss provision to net charge-offs | 190.1926% | 1,004 |
| Earnings coverage of net charge-offs (x) | 12.9440% | 1,901 |
| Efficiency ratio | 76.8446% | 1,008 |
| Assets per employee ($millions) | 4.9379% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,351 |
| Loan loss allowance to noncurrent loans | 148.7364% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 973 |
| Noncurrent loans to loans | 0.6922% | 1,179 |
| Net loans and leases to total assets | 76.7400% | 837 |
| Net loans and leases to deposits | 95.2640% | 586 |
| Net loans and leases to core deposits | 100.0956% | 805 |
| Total domestic deposits to total assets | 80.5500% | 4,049 |
| Equity capital to assets | 9.7650% | 1,746 |
| Core capital (leverage) ratio | 11.5447% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,032,216,500 | 962 |
| Average earning assets | $936,933,500 | 973 |
| Average equity | $108,808,750 | 906 |
| Average total loans | $816,648,750 | 806 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 785 |
| Cost of funding earning assets | 0.1930% | 3,012 |
| Net interest margin | 3.8950% | 611 |
| Noninterest income to average assets | 0.8204% | 999 |
| Noninterest expense to average assets | 3.6809% | 360 |
| Loan and lease loss provision to assets | 0.1692% | 540 |
| Net operating income to assets | 0.4750% | 3,958 |
| Return on assets (ROA) | 0.4750% | 3,909 |
| Pretax return on assets | 0.5119% | 3,973 |
| Return on Equity (ROE) | 4.3937% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.3937% | 2,925 |
| Net charge-offs to loans | 0.1085% | 554 |
| Credit loss provision to net charge-offs | 195.7014% | 979 |
| Earnings coverage of net charge-offs (x) | 7.8778% | 1,842 |
| Efficiency ratio | 83.2773% | 722 |
| Assets per employee ($millions) | 4.9323% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,480 |
| Loan loss allowance to noncurrent loans | 70.3719% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 368 |
| Noncurrent loans to loans | 1.4606% | 510 |
| Net loans and leases to total assets | 77.9220% | 560 |
| Net loans and leases to deposits | 90.4095% | 695 |
| Net loans and leases to core deposits | 92.0360% | 1,017 |
| Total domestic deposits to total assets | 86.1879% | 3,202 |
| Equity capital to assets | 10.1864% | 1,594 |
| Core capital (leverage) ratio | 11.4405% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,022,404,000 | 956 |
| Average earning assets | $929,650,333 | 980 |
| Average equity | $110,521,667 | 900 |
| Average total loans | $814,481,333 | 799 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 923 |
| Cost of funding earning assets | 0.1670% | 3,265 |
| Net interest margin | 3.7340% | 706 |
| Noninterest income to average assets | 1.7363% | 291 |
| Noninterest expense to average assets | 4.7258% | 192 |
| Loan and lease loss provision to assets | 0.1142% | 731 |
| Net operating income to assets | 0.2930% | 4,159 |
| Return on assets (ROA) | 0.2930% | 4,131 |
| Pretax return on assets | 0.2867% | 4,202 |
| Return on Equity (ROE) | 2.6330% | 4,163 |
| Retained earnings to average equity (ytd only) | 2.6330% | 3,379 |
| Net charge-offs to loans | 0.0069% | 1,505 |
| Credit loss provision to net charge-offs | 2,071.4286% | 206 |
| Earnings coverage of net charge-offs (x) | 72.7143% | 784 |
| Efficiency ratio | 91.2352% | 496 |
| Assets per employee ($millions) | 4.8851% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,728 |
| Loan loss allowance to noncurrent loans | 60.7957% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 308 |
| Noncurrent loans to loans | 1.6455% | 483 |
| Net loans and leases to total assets | 79.0695% | 289 |
| Net loans and leases to deposits | 90.1119% | 507 |
| Net loans and leases to core deposits | 91.9618% | 818 |
| Total domestic deposits to total assets | 87.7459% | 2,648 |
| Equity capital to assets | 10.6091% | 1,542 |
| Core capital (leverage) ratio | 11.5036% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,015,711,500 | 965 |
| Average earning assets | $922,235,000 | 992 |
| Average equity | $113,027,500 | 905 |
| Average total loans | $813,977,000 | 788 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 615 |
| Cost of funding earning assets | 0.1962% | 3,507 |
| Net interest margin | 4.2869% | 419 |
| Noninterest income to average assets | 2.2017% | 267 |
| Noninterest expense to average assets | 4.1835% | 258 |
| Loan and lease loss provision to assets | 0.1483% | 811 |
| Net operating income to assets | 1.4223% | 1,207 |
| Return on assets (ROA) | 1.4223% | 1,273 |
| Pretax return on assets | 1.7483% | 1,030 |
| Return on Equity (ROE) | 12.3194% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.3307% | 646 |
| Net charge-offs to loans | 0.0062% | 2,352 |
| Credit loss provision to net charge-offs | 3,040.4255% | 222 |
| Earnings coverage of net charge-offs (x) | 388.8723% | 336 |
| Efficiency ratio | 67.9632% | 1,987 |
| Assets per employee ($millions) | 4.7650% | 3,917 |
| Cash dividends to net income (ytd only)* | 8.0257% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,789 |
| Loan loss allowance to noncurrent loans | 100.4670% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 757 |
| Noncurrent loans to loans | 0.9846% | 1,008 |
| Net loans and leases to total assets | 79.6213% | 284 |
| Net loans and leases to deposits | 91.9842% | 476 |
| Net loans and leases to core deposits | 94.2357% | 768 |
| Total domestic deposits to total assets | 86.5598% | 2,688 |
| Equity capital to assets | 11.6623% | 1,415 |
| Core capital (leverage) ratio | 11.5982% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $963,672,200 | 985 |
| Average earning assets | $871,849,800 | 1,008 |
| Average equity | $111,255,200 | 934 |
| Average total loans | $756,344,600 | 828 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 636 |
| Cost of funding earning assets | 0.2019% | 3,584 |
| Net interest margin | 4.3308% | 423 |
| Noninterest income to average assets | 2.4064% | 254 |
| Noninterest expense to average assets | 4.3331% | 237 |
| Loan and lease loss provision to assets | 0.1495% | 759 |
| Net operating income to assets | 1.4874% | 1,302 |
| Return on assets (ROA) | 1.4874% | 1,351 |
| Pretax return on assets | 1.8377% | 1,073 |
| Return on Equity (ROE) | 12.9176% | 1,718 |
| Retained earnings to average equity (ytd only) | 12.0683% | 824 |
| Net charge-offs to loans | 0.0052% | 2,144 |
| Credit loss provision to net charge-offs | 3,689.6552% | 206 |
| Earnings coverage of net charge-offs (x) | 490.5172% | 306 |
| Efficiency ratio | 67.7409% | 1,869 |
| Assets per employee ($millions) | 4.6406% | 4,013 |
| Cash dividends to net income (ytd only)* | 6.5746% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,092 |
| Loan loss allowance to noncurrent loans | 92.9827% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 861 |
| Noncurrent loans to loans | 0.9935% | 1,158 |
| Net loans and leases to total assets | 81.8971% | 196 |
| Net loans and leases to deposits | 100.5765% | 214 |
| Net loans and leases to core deposits | 103.2802% | 483 |
| Total domestic deposits to total assets | 81.4276% | 4,028 |
| Equity capital to assets | 11.4160% | 1,728 |
| Core capital (leverage) ratio | 11.7509% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $954,425,250 | 1,007 |
| Average earning assets | $862,543,500 | 1,025 |
| Average equity | $109,894,000 | 957 |
| Average total loans | $744,256,000 | 857 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 722 |
| Cost of funding earning assets | 0.2115% | 3,640 |
| Net interest margin | 4.2898% | 502 |
| Noninterest income to average assets | 1.7292% | 420 |
| Noninterest expense to average assets | 3.6381% | 392 |
| Loan and lease loss provision to assets | 0.0147% | 2,660 |
| Net operating income to assets | 1.5768% | 1,099 |
| Return on assets (ROA) | 1.5768% | 1,160 |
| Pretax return on assets | 1.9515% | 914 |
| Return on Equity (ROE) | 13.6535% | 1,516 |
| Retained earnings to average equity (ytd only) | 13.6535% | 607 |
| Net charge-offs to loans | 0.0031% | 2,074 |
| Credit loss provision to net charge-offs | 627.2727% | 604 |
| Earnings coverage of net charge-offs (x) | 840.0909% | 163 |
| Efficiency ratio | 63.9787% | 2,431 |
| Assets per employee ($millions) | 4.4006% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,087 |
| Loan loss allowance to noncurrent loans | 118.6695% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 1,413 |
| Noncurrent loans to loans | 0.7772% | 1,558 |
| Net loans and leases to total assets | 75.3451% | 648 |
| Net loans and leases to deposits | 87.3009% | 828 |
| Net loans and leases to core deposits | 89.5597% | 1,167 |
| Total domestic deposits to total assets | 86.3050% | 2,627 |
| Equity capital to assets | 11.7974% | 1,461 |
| Core capital (leverage) ratio | 11.5396% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $939,987,667 | 1,015 |
| Average earning assets | $849,131,667 | 1,032 |
| Average equity | $108,558,000 | 955 |
| Average total loans | $717,429,000 | 879 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 796 |
| Cost of funding earning assets | 0.2226% | 3,704 |
| Net interest margin | 4.2608% | 553 |
| Noninterest income to average assets | 2.9770% | 201 |
| Noninterest expense to average assets | 3.6614% | 384 |
| Loan and lease loss provision to assets | 0.0085% | 2,661 |
| Net operating income to assets | 2.5168% | 261 |
| Return on assets (ROA) | 2.5168% | 284 |
| Pretax return on assets | 3.1473% | 204 |
| Return on Equity (ROE) | 22.0316% | 390 |
| Retained earnings to average equity (ytd only) | 22.0316% | 203 |
| Net charge-offs to loans | 0.0045% | 1,757 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 924.0000% | 105 |
| Efficiency ratio | 52.9371% | 3,921 |
| Assets per employee ($millions) | 4.4301% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,187 |
| Loan loss allowance to noncurrent loans | 103.3401% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 1,427 |
| Noncurrent loans to loans | 0.8599% | 1,561 |
| Net loans and leases to total assets | 76.4576% | 594 |
| Net loans and leases to deposits | 89.1767% | 752 |
| Net loans and leases to core deposits | 94.3272% | 960 |
| Total domestic deposits to total assets | 85.7372% | 2,840 |
| Equity capital to assets | 11.4322% | 1,587 |
| Core capital (leverage) ratio | 11.6724% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $936,918,000 | 1,003 |
| Average earning assets | $844,449,500 | 1,030 |
| Average equity | $107,028,000 | 954 |
| Average total loans | $716,395,500 | 881 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 365 |
| Cost of funding earning assets | 0.4875% | 3,030 |
| Net interest margin | 4.6667% | 232 |
| Noninterest income to average assets | 3.0764% | 183 |
| Noninterest expense to average assets | 4.0442% | 367 |
| Loan and lease loss provision to assets | 0.1234% | 2,823 |
| Net operating income to assets | 2.4506% | 142 |
| Return on assets (ROA) | 2.4506% | 149 |
| Pretax return on assets | 3.0678% | 118 |
| Return on Equity (ROE) | 23.4103% | 132 |
| Retained earnings to average equity (ytd only) | 22.8575% | 46 |
| Net charge-offs to loans | 0.0086% | 3,026 |
| Credit loss provision to net charge-offs | 1,806.7797% | 475 |
| Earnings coverage of net charge-offs (x) | 467.2712% | 248 |
| Efficiency ratio | 55.1042% | 4,083 |
| Assets per employee ($millions) | 4.1667% | 4,239 |
| Cash dividends to net income (ytd only)* | 2.3617% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 4,031 |
| Loan loss allowance to noncurrent loans | 462.2628% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,496 |
| Noncurrent loans to loans | 0.2059% | 3,468 |
| Net loans and leases to total assets | 75.0256% | 900 |
| Net loans and leases to deposits | 86.8562% | 1,184 |
| Net loans and leases to core deposits | 92.6319% | 1,329 |
| Total domestic deposits to total assets | 86.3791% | 2,194 |
| Equity capital to assets | 11.4141% | 1,949 |
| Core capital (leverage) ratio | 11.1559% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $863,901,600 | 998 |
| Average earning assets | $769,922,200 | 1,020 |
| Average equity | $90,434,400 | 1,052 |
| Average total loans | $688,676,400 | 880 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 348 |
| Cost of funding earning assets | 0.5519% | 2,914 |
| Net interest margin | 4.7349% | 235 |
| Noninterest income to average assets | 3.3004% | 166 |
| Noninterest expense to average assets | 3.9920% | 378 |
| Loan and lease loss provision to assets | 0.1099% | 2,948 |
| Net operating income to assets | 2.7205% | 115 |
| Return on assets (ROA) | 2.7205% | 119 |
| Pretax return on assets | 3.4098% | 93 |
| Return on Equity (ROE) | 26.6325% | 99 |
| Retained earnings to average equity (ytd only) | 25.8663% | 44 |
| Net charge-offs to loans | 0.0066% | 2,891 |
| Credit loss provision to net charge-offs | 2,064.7059% | 465 |
| Earnings coverage of net charge-offs (x) | 661.3235% | 183 |
| Efficiency ratio | 52.3725% | 4,303 |
| Assets per employee ($millions) | 4.0975% | 4,240 |
| Cash dividends to net income (ytd only)* | 2.8770% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,952 |
| Loan loss allowance to noncurrent loans | 530.9787% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 3,771 |
| Noncurrent loans to loans | 0.1762% | 3,675 |
| Net loans and leases to total assets | 73.6343% | 1,417 |
| Net loans and leases to deposits | 84.4590% | 1,860 |
| Net loans and leases to core deposits | 90.1094% | 1,957 |
| Total domestic deposits to total assets | 87.1835% | 1,587 |
| Equity capital to assets | 10.7527% | 2,584 |
| Core capital (leverage) ratio | 10.1490% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $851,749,250 | 996 |
| Average earning assets | $757,565,000 | 1,019 |
| Average equity | $87,004,250 | 1,077 |
| Average total loans | $688,046,750 | 871 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 248 |
| Cost of funding earning assets | 0.6324% | 2,801 |
| Net interest margin | 5.0302% | 190 |
| Noninterest income to average assets | 2.6205% | 208 |
| Noninterest expense to average assets | 3.9531% | 430 |
| Loan and lease loss provision to assets | 0.1387% | 2,627 |
| Net operating income to assets | 2.3984% | 163 |
| Return on assets (ROA) | 2.3984% | 175 |
| Pretax return on assets | 3.0016% | 116 |
| Return on Equity (ROE) | 23.9305% | 126 |
| Retained earnings to average equity (ytd only) | 23.4535% | 58 |
| Net charge-offs to loans | 0.0066% | 2,727 |
| Credit loss provision to net charge-offs | 2,521.7391% | 404 |
| Earnings coverage of net charge-offs (x) | 571.0870% | 178 |
| Efficiency ratio | 54.8972% | 4,075 |
| Assets per employee ($millions) | 4.3167% | 3,982 |
| Cash dividends to net income (ytd only)* | 1.9936% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,346 |
| Loan loss allowance to noncurrent loans | 1,189.9029% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,254 |
| Noncurrent loans to loans | 0.0672% | 4,199 |
| Net loans and leases to total assets | 81.1604% | 485 |
| Net loans and leases to deposits | 92.0780% | 1,149 |
| Net loans and leases to core deposits | 100.3947% | 1,231 |
| Total domestic deposits to total assets | 88.1431% | 1,111 |
| Equity capital to assets | 9.5493% | 3,614 |
| Core capital (leverage) ratio | 9.5323% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,549,667 | 996 |
| Average earning assets | $743,873,000 | 1,021 |
| Average equity | $83,842,667 | 1,097 |
| Average total loans | $695,064,000 | 862 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 521 |
| Cost of funding earning assets | 0.7579% | 2,620 |
| Net interest margin | 4.5719% | 435 |
| Noninterest income to average assets | 2.1443% | 244 |
| Noninterest expense to average assets | 4.0877% | 458 |
| Loan and lease loss provision to assets | 0.2289% | 1,352 |
| Net operating income to assets | 1.5080% | 766 |
| Return on assets (ROA) | 1.5080% | 838 |
| Pretax return on assets | 1.8747% | 596 |
| Return on Equity (ROE) | 14.6350% | 597 |
| Retained earnings to average equity (ytd only) | 14.6350% | 212 |
| Net charge-offs to loans | 0.0103% | 2,205 |
| Credit loss provision to net charge-offs | 2,647.0588% | 280 |
| Earnings coverage of net charge-offs (x) | 243.2941% | 285 |
| Efficiency ratio | 65.0127% | 3,084 |
| Assets per employee ($millions) | 3.8836% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,197 |
| Loan loss allowance to noncurrent loans | 990.7591% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 4,237 |
| Noncurrent loans to loans | 0.0885% | 4,156 |
| Net loans and leases to total assets | 81.2611% | 533 |
| Net loans and leases to deposits | 92.5702% | 1,223 |
| Net loans and leases to core deposits | 95.7820% | 1,812 |
| Total domestic deposits to total assets | 87.7833% | 1,190 |
| Equity capital to assets | 9.8832% | 3,896 |
| Core capital (leverage) ratio | 10.5551% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $786,460,500 | 1,018 |
| Average earning assets | $696,169,500 | 1,037 |
| Average equity | $81,038,500 | 1,122 |
| Average total loans | $659,406,000 | 872 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 443 |
| Cost of funding earning assets | 0.9919% | 1,761 |
| Net interest margin | 4.6477% | 527 |
| Noninterest income to average assets | 1.5961% | 366 |
| Noninterest expense to average assets | 3.8180% | 653 |
| Loan and lease loss provision to assets | 0.0249% | 3,522 |
| Net operating income to assets | 1.5705% | 894 |
| Return on assets (ROA) | 1.6291% | 834 |
| Pretax return on assets | 2.0154% | 583 |
| Return on Equity (ROE) | 15.9375% | 545 |
| Retained earnings to average equity (ytd only) | 14.9407% | 95 |
| Net charge-offs to loans | 0.0251% | 2,896 |
| Credit loss provision to net charge-offs | 121.2766% | 2,094 |
| Earnings coverage of net charge-offs (x) | 95.8865% | 703 |
| Efficiency ratio | 64.7447% | 2,974 |
| Assets per employee ($millions) | 3.5309% | 4,452 |
| Cash dividends to net income (ytd only)* | 6.2545% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,056 |
| Loan loss allowance to noncurrent loans | 1,564.8876% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,391 |
| Noncurrent loans to loans | 0.0561% | 4,316 |
| Net loans and leases to total assets | 85.1996% | 227 |
| Net loans and leases to deposits | 102.8855% | 424 |
| Net loans and leases to core deposits | 111.3870% | 780 |
| Total domestic deposits to total assets | 82.8101% | 3,266 |
| Equity capital to assets | 10.7805% | 3,204 |
| Core capital (leverage) ratio | 9.3755% | 4,192 |
| Tier 1 risk-based capital ratio | 12.4598% | 4,095 |
| Total risk-based capital ratio | 13.4318% | 4,146 |
| Memoranda: | ||
| Average total assets | $687,008,400 | 1,087 |
| Average earning assets | $619,343,400 | 1,113 |
| Average equity | $70,224,400 | 1,219 |
| Average total loans | $562,641,200 | 964 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5070% | 577 |
| Cost of funding earning assets | 0.9749% | 1,870 |
| Net interest margin | 4.5320% | 712 |
| Noninterest income to average assets | 1.3947% | 465 |
| Noninterest expense to average assets | 3.6839% | 768 |
| Loan and lease loss provision to assets | 0.0259% | 3,377 |
| Net operating income to assets | 1.4454% | 1,343 |
| Return on assets (ROA) | 1.5250% | 1,175 |
| Pretax return on assets | 1.8801% | 912 |
| Return on Equity (ROE) | 15.1453% | 749 |
| Retained earnings to average equity (ytd only) | 14.3598% | 187 |
| Net charge-offs to loans | 0.0252% | 2,595 |
| Credit loss provision to net charge-offs | 127.1845% | 1,860 |
| Earnings coverage of net charge-offs (x) | 88.7572% | 808 |
| Efficiency ratio | 65.7497% | 2,760 |
| Assets per employee ($millions) | 3.5799% | 4,421 |
| Cash dividends to net income (ytd only)* | 5.1867% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 85.9143% | 201 |
| Net loans and leases to deposits | 102.4445% | 480 |
| Net loans and leases to core deposits | 124.1369% | 405 |
| Total domestic deposits to total assets | 83.8642% | 2,873 |
| Equity capital to assets | 10.3076% | 3,714 |
| Core capital (leverage) ratio | 9.6288% | 4,043 |
| Tier 1 risk-based capital ratio | 12.2598% | 4,275 |
| Total risk-based capital ratio | 13.2418% | 4,312 |
| Memoranda: | ||
| Average total assets | $674,272,500 | 1,108 |
| Average earning assets | $609,540,500 | 1,126 |
| Average equity | $67,891,750 | 1,243 |
| Average total loans | $544,725,750 | 989 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 1,803 |
| Cost of funding earning assets | 0.8935% | 2,181 |
| Net interest margin | 3.9911% | 1,951 |
| Noninterest income to average assets | 1.6997% | 334 |
| Noninterest expense to average assets | 3.7496% | 702 |
| Loan and lease loss provision to assets | 0.0291% | 3,236 |
| Net operating income to assets | 1.2653% | 1,894 |
| Return on assets (ROA) | 1.2653% | 1,963 |
| Pretax return on assets | 1.5270% | 1,767 |
| Return on Equity (ROE) | 12.6804% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.6804% | 333 |
| Net charge-offs to loans | 0.0215% | 2,418 |
| Credit loss provision to net charge-offs | 172.7273% | 1,354 |
| Earnings coverage of net charge-offs (x) | 92.2364% | 733 |
| Efficiency ratio | 69.2432% | 2,344 |
| Assets per employee ($millions) | 3.3310% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.9879% | 884 |
| Net loans and leases to deposits | 103.9111% | 425 |
| Net loans and leases to core deposits | 106.7027% | 1,200 |
| Total domestic deposits to total assets | 76.9773% | 4,564 |
| Equity capital to assets | 9.8286% | 4,111 |
| Core capital (leverage) ratio | 9.2439% | 4,414 |
| Tier 1 risk-based capital ratio | 11.5642% | 4,651 |
| Total risk-based capital ratio | 12.6451% | 4,632 |
| Memoranda: | ||
| Average total assets | $652,015,670 | 1,142 |
| Average earning assets | $589,116,330 | 1,167 |
| Average equity | $65,061,000 | 1,289 |
| Average total loans | $512,224,000 | 1,052 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 1,905 |
| Cost of funding earning assets | 0.8362% | 2,344 |
| Net interest margin | 3.9627% | 1,974 |
| Noninterest income to average assets | 1.4710% | 402 |
| Noninterest expense to average assets | 3.4706% | 1,010 |
| Loan and lease loss provision to assets | 0.0372% | 2,879 |
| Net operating income to assets | 1.2789% | 1,778 |
| Return on assets (ROA) | 1.2789% | 1,819 |
| Pretax return on assets | 1.5429% | 1,627 |
| Return on Equity (ROE) | 12.7133% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.7133% | 510 |
| Net charge-offs to loans | 0.0171% | 2,126 |
| Credit loss provision to net charge-offs | 280.9524% | 864 |
| Earnings coverage of net charge-offs (x) | 119.4286% | 595 |
| Efficiency ratio | 67.1822% | 2,766 |
| Assets per employee ($millions) | 3.2779% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,028 |
| Loan loss allowance to noncurrent loans | 961.7241% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,375 |
| Noncurrent loans to loans | 0.1162% | 4,219 |
| Net loans and leases to total assets | 74.9034% | 1,661 |
| Net loans and leases to deposits | 83.8283% | 2,406 |
| Net loans and leases to core deposits | 85.3861% | 2,922 |
| Total domestic deposits to total assets | 89.3533% | 709 |
| Equity capital to assets | 9.8668% | 3,948 |
| Core capital (leverage) ratio | 9.3987% | 4,256 |
| Tier 1 risk-based capital ratio | 11.7839% | 4,574 |
| Total risk-based capital ratio | 12.9178% | 4,528 |
| Memoranda: | ||
| Average total assets | $634,928,000 | 1,172 |
| Average earning assets | $573,548,500 | 1,200 |
| Average equity | $63,870,000 | 1,299 |
| Average total loans | $491,110,000 | 1,100 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 1,101 |
| Cost of funding earning assets | 0.5926% | 2,780 |
| Net interest margin | 4.3852% | 972 |
| Noninterest income to average assets | 1.8440% | 300 |
| Noninterest expense to average assets | 4.4148% | 320 |
| Loan and lease loss provision to assets | 0.0382% | 3,442 |
| Net operating income to assets | 1.1937% | 2,204 |
| Return on assets (ROA) | 1.1937% | 2,202 |
| Pretax return on assets | 1.3732% | 2,228 |
| Return on Equity (ROE) | 11.1854% | 2,008 |
| Retained earnings to average equity (ytd only) | 9.3391% | 771 |
| Net charge-offs to loans | 0.0061% | 3,484 |
| Credit loss provision to net charge-offs | 788.8889% | 453 |
| Earnings coverage of net charge-offs (x) | 291.8148% | 334 |
| Efficiency ratio | 75.1414% | 1,474 |
| Assets per employee ($millions) | 2.9517% | 5,020 |
| Cash dividends to net income (ytd only)* | 16.5066% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 2,843 |
| Loan loss allowance to noncurrent loans | 2,075.2809% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,631 |
| Noncurrent loans to loans | 0.0553% | 4,500 |
| Net loans and leases to total assets | 78.1662% | 1,251 |
| Net loans and leases to deposits | 94.5590% | 1,221 |
| Net loans and leases to core deposits | 96.7408% | 1,989 |
| Total domestic deposits to total assets | 82.6639% | 3,434 |
| Equity capital to assets | 10.2671% | 3,414 |
| Core capital (leverage) ratio | 9.2054% | 4,453 |
| Tier 1 risk-based capital ratio | 11.9668% | 4,446 |
| Total risk-based capital ratio | 13.1494% | 4,382 |
| Memoranda: | ||
| Average total assets | $558,241,400 | 1,272 |
| Average earning assets | $506,929,600 | 1,297 |
| Average equity | $59,577,400 | 1,328 |
| Average total loans | $442,326,200 | 1,160 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,094 |
| Cost of funding earning assets | 0.5071% | 3,155 |
| Net interest margin | 4.4215% | 861 |
| Noninterest income to average assets | 1.7887% | 327 |
| Noninterest expense to average assets | 4.3552% | 337 |
| Loan and lease loss provision to assets | 0.0433% | 3,125 |
| Net operating income to assets | 1.2363% | 2,102 |
| Return on assets (ROA) | 1.2363% | 2,103 |
| Pretax return on assets | 1.4149% | 2,179 |
| Return on Equity (ROE) | 11.4622% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.4211% | 1,067 |
| Net charge-offs to loans | -0.0034% | 4,153 |
| Credit loss provision to net charge-offs | -1,609.0909% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5718% | 1,515 |
| Assets per employee ($millions) | 2.9143% | 5,098 |
| Cash dividends to net income (ytd only)* | 17.8077% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,673 |
| Loan loss allowance to noncurrent loans | 4,015.9420% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,869 |
| Noncurrent loans to loans | 0.0297% | 4,760 |
| Net loans and leases to total assets | 78.1118% | 1,328 |
| Net loans and leases to deposits | 93.0688% | 1,499 |
| Net loans and leases to core deposits | 95.6064% | 2,153 |
| Total domestic deposits to total assets | 83.9291% | 2,970 |
| Equity capital to assets | 10.3611% | 3,271 |
| Core capital (leverage) ratio | 9.5091% | 4,165 |
| Tier 1 risk-based capital ratio | 12.2117% | 4,371 |
| Total risk-based capital ratio | 13.4359% | 4,289 |
| Memoranda: | ||
| Average total assets | $545,051,500 | 1,301 |
| Average earning assets | $496,144,000 | 1,322 |
| Average equity | $58,788,750 | 1,346 |
| Average total loans | $432,123,500 | 1,177 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 1,315 |
| Cost of funding earning assets | 0.4228% | 3,550 |
| Net interest margin | 4.3521% | 937 |
| Noninterest income to average assets | 1.7579% | 336 |
| Noninterest expense to average assets | 4.2480% | 386 |
| Loan and lease loss provision to assets | 0.0532% | 2,849 |
| Net operating income to assets | 1.2170% | 2,117 |
| Return on assets (ROA) | 1.2170% | 2,113 |
| Pretax return on assets | 1.4307% | 2,051 |
| Return on Equity (ROE) | 11.1208% | 2,057 |
| Retained earnings to average equity (ytd only) | 8.0202% | 1,626 |
| Net charge-offs to loans | -0.0233% | 4,629 |
| Credit loss provision to net charge-offs | -287.7551% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1121% | 1,692 |
| Assets per employee ($millions) | 3.2572% | 4,871 |
| Cash dividends to net income (ytd only)* | 27.8810% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.9250% | 1,172 |
| Net loans and leases to deposits | 98.3270% | 945 |
| Net loans and leases to core deposits | 100.8875% | 1,660 |
| Total domestic deposits to total assets | 80.2679% | 4,182 |
| Equity capital to assets | 10.4676% | 3,158 |
| Core capital (leverage) ratio | 10.3307% | 3,206 |
| Tier 1 risk-based capital ratio | 13.1714% | 3,810 |
| Total risk-based capital ratio | 14.4294% | 3,720 |
| Memoranda: | ||
| Average total assets | $530,504,670 | 1,336 |
| Average earning assets | $484,407,330 | 1,359 |
| Average equity | $58,053,330 | 1,361 |
| Average total loans | $421,038,000 | 1,208 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,321 |
| Cost of funding earning assets | 0.3395% | 4,068 |
| Net interest margin | 4.3545% | 848 |
| Noninterest income to average assets | 1.7276% | 336 |
| Noninterest expense to average assets | 4.3913% | 324 |
| Loan and lease loss provision to assets | 0.0820% | 2,152 |
| Net operating income to assets | 1.0516% | 2,639 |
| Return on assets (ROA) | 1.0516% | 2,651 |
| Pretax return on assets | 1.2194% | 2,680 |
| Return on Equity (ROE) | 9.3840% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.1141% | 3,958 |
| Net charge-offs to loans | 0.0306% | 1,885 |
| Credit loss provision to net charge-offs | 338.7097% | 755 |
| Earnings coverage of net charge-offs (x) | 53.7742% | 909 |
| Efficiency ratio | 77.1393% | 1,440 |
| Assets per employee ($millions) | 3.0801% | 5,104 |
| Cash dividends to net income (ytd only)* | 66.8151% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.9627% | 1,089 |
| Net loans and leases to deposits | 90.5287% | 1,627 |
| Net loans and leases to core deposits | 112.2511% | 879 |
| Total domestic deposits to total assets | 87.2240% | 2,030 |
| Equity capital to assets | 10.7826% | 2,789 |
| Core capital (leverage) ratio | 10.5575% | 2,885 |
| Tier 1 risk-based capital ratio | 13.1701% | 3,868 |
| Total risk-based capital ratio | 14.4292% | 3,763 |
| Memoranda: | ||
| Average total assets | $512,376,500 | 1,391 |
| Average earning assets | $466,555,000 | 1,414 |
| Average equity | $57,417,000 | 1,380 |
| Average total loans | $405,127,000 | 1,246 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 1,123 |
| Cost of funding earning assets | 0.2371% | 4,669 |
| Net interest margin | 4.4940% | 615 |
| Noninterest income to average assets | 2.0069% | 297 |
| Noninterest expense to average assets | 4.0273% | 517 |
| Loan and lease loss provision to assets | 0.2245% | 877 |
| Net operating income to assets | 1.4062% | 1,003 |
| Return on assets (ROA) | 1.4062% | 1,021 |
| Pretax return on assets | 1.8277% | 735 |
| Return on Equity (ROE) | 12.7391% | 1,013 |
| Retained earnings to average equity (ytd only) | 12.1815% | 171 |
| Net charge-offs to loans | 0.0311% | 3,178 |
| Credit loss provision to net charge-offs | 889.4309% | 396 |
| Earnings coverage of net charge-offs (x) | 81.3089% | 763 |
| Efficiency ratio | 66.2436% | 3,220 |
| Assets per employee ($millions) | 2.8935% | 5,263 |
| Cash dividends to net income (ytd only)* | 4.3776% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.9904% | 1,432 |
| Net loans and leases to deposits | 92.1760% | 1,498 |
| Net loans and leases to core deposits | 103.6802% | 1,433 |
| Total domestic deposits to total assets | 83.5254% | 3,378 |
| Equity capital to assets | 11.6647% | 2,063 |
| Core capital (leverage) ratio | 11.0227% | 2,316 |
| Tier 1 risk-based capital ratio | 14.0250% | 3,347 |
| Total risk-based capital ratio | 15.2834% | 3,248 |
| Memoranda: | ||
| Average total assets | $487,325,600 | 1,439 |
| Average earning assets | $441,637,600 | 1,461 |
| Average equity | $53,794,800 | 1,426 |
| Average total loans | $394,954,200 | 1,248 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 1,172 |
| Cost of funding earning assets | 0.2301% | 4,742 |
| Net interest margin | 4.4547% | 659 |
| Noninterest income to average assets | 2.0179% | 303 |
| Noninterest expense to average assets | 4.0947% | 464 |
| Loan and lease loss provision to assets | 0.2696% | 613 |
| Net operating income to assets | 1.2198% | 1,610 |
| Return on assets (ROA) | 1.2198% | 1,639 |
| Pretax return on assets | 1.6934% | 1,146 |
| Return on Equity (ROE) | 11.2111% | 1,603 |
| Retained earnings to average equity (ytd only) | 10.4549% | 498 |
| Net charge-offs to loans | 0.0355% | 2,722 |
| Credit loss provision to net charge-offs | 927.3585% | 374 |
| Earnings coverage of net charge-offs (x) | 67.5282% | 917 |
| Efficiency ratio | 67.5947% | 2,949 |
| Assets per employee ($millions) | 2.8342% | 5,373 |
| Cash dividends to net income (ytd only)* | 6.7446% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.1195% | 667 |
| Net loans and leases to deposits | 100.4770% | 714 |
| Net loans and leases to core deposits | 107.7620% | 1,150 |
| Total domestic deposits to total assets | 81.7297% | 3,859 |
| Equity capital to assets | 11.7037% | 2,185 |
| Core capital (leverage) ratio | 10.9835% | 2,478 |
| Tier 1 risk-based capital ratio | 13.7967% | 3,527 |
| Total risk-based capital ratio | 15.0502% | 3,461 |
| Memoranda: | ||
| Average total assets | $486,181,250 | 1,451 |
| Average earning assets | $440,905,250 | 1,472 |
| Average equity | $52,898,750 | 1,467 |
| Average total loans | $397,674,500 | 1,247 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,366 |
| Cost of funding earning assets | 0.2162% | 4,830 |
| Net interest margin | 4.3421% | 777 |
| Noninterest income to average assets | 2.1021% | 293 |
| Noninterest expense to average assets | 3.8664% | 622 |
| Loan and lease loss provision to assets | 0.2686% | 598 |
| Net operating income to assets | 1.3378% | 1,202 |
| Return on assets (ROA) | 1.3378% | 1,224 |
| Pretax return on assets | 1.9063% | 640 |
| Return on Equity (ROE) | 12.5994% | 1,142 |
| Retained earnings to average equity (ytd only) | 11.4495% | 375 |
| Net charge-offs to loans | 0.0340% | 2,509 |
| Credit loss provision to net charge-offs | 970.5882% | 395 |
| Earnings coverage of net charge-offs (x) | 78.5882% | 779 |
| Efficiency ratio | 63.9989% | 3,673 |
| Assets per employee ($millions) | 2.9920% | 5,273 |
| Cash dividends to net income (ytd only)* | 9.1269% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.3948% | 888 |
| Net loans and leases to deposits | 90.4399% | 1,673 |
| Net loans and leases to core deposits | 111.5128% | 930 |
| Total domestic deposits to total assets | 88.8930% | 1,012 |
| Equity capital to assets | 10.6604% | 3,161 |
| Core capital (leverage) ratio | 10.8204% | 2,581 |
| Tier 1 risk-based capital ratio | 13.0502% | 3,967 |
| Total risk-based capital ratio | 14.2697% | 3,899 |
| Memoranda: | ||
| Average total assets | $491,413,330 | 1,440 |
| Average earning assets | $445,818,000 | 1,464 |
| Average equity | $52,177,000 | 1,490 |
| Average total loans | $399,692,670 | 1,244 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 1,383 |
| Cost of funding earning assets | 0.1915% | 5,053 |
| Net interest margin | 4.3040% | 778 |
| Noninterest income to average assets | 1.9261% | 327 |
| Noninterest expense to average assets | 4.0884% | 486 |
| Loan and lease loss provision to assets | 0.2726% | 528 |
| Net operating income to assets | 1.0770% | 1,954 |
| Return on assets (ROA) | 1.0770% | 2,002 |
| Pretax return on assets | 1.4636% | 1,650 |
| Return on Equity (ROE) | 10.1651% | 1,895 |
| Retained earnings to average equity (ytd only) | 7.8265% | 1,536 |
| Net charge-offs to loans | 0.0173% | 2,441 |
| Credit loss provision to net charge-offs | 1,941.1765% | 177 |
| Earnings coverage of net charge-offs (x) | 123.6471% | 447 |
| Efficiency ratio | 70.1929% | 2,854 |
| Assets per employee ($millions) | 2.9043% | 5,428 |
| Cash dividends to net income (ytd only)* | 23.0061% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 3,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.1821% | 810 |
| Net loans and leases to deposits | 90.1680% | 1,513 |
| Net loans and leases to core deposits | 103.2290% | 1,275 |
| Total domestic deposits to total assets | 88.9253% | 1,178 |
| Equity capital to assets | 10.8168% | 2,838 |
| Core capital (leverage) ratio | 9.9418% | 3,576 |
| Tier 1 risk-based capital ratio | 12.5864% | 4,333 |
| Total risk-based capital ratio | 13.7968% | 4,265 |
| Memoranda: | ||
| Average total assets | $484,292,000 | 1,461 |
| Average earning assets | $438,660,500 | 1,489 |
| Average equity | $51,313,000 | 1,506 |
| Average total loans | $393,790,500 | 1,258 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,324 |
| Cost of funding earning assets | 0.2104% | 4,921 |
| Net interest margin | 4.3707% | 820 |
| Noninterest income to average assets | 3.1658% | 185 |
| Noninterest expense to average assets | 5.1149% | 243 |
| Loan and lease loss provision to assets | 0.1997% | 1,161 |
| Net operating income to assets | 1.6566% | 601 |
| Return on assets (ROA) | 1.6566% | 628 |
| Pretax return on assets | 1.7968% | 809 |
| Return on Equity (ROE) | 15.6458% | 540 |
| Retained earnings to average equity (ytd only) | 9.7015% | 463 |
| Net charge-offs to loans | -0.0017% | 4,691 |
| Credit loss provision to net charge-offs | -15,333.3333% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8834% | 3,605 |
| Assets per employee ($millions) | 3.0208% | 5,337 |
| Cash dividends to net income (ytd only)* | 37.9929% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.5640% | 801 |
| Net loans and leases to deposits | 93.5745% | 1,242 |
| Net loans and leases to core deposits | 110.3949% | 872 |
| Total domestic deposits to total assets | 86.0962% | 2,537 |
| Equity capital to assets | 10.3787% | 3,296 |
| Core capital (leverage) ratio | 10.3659% | 3,038 |
| Tier 1 risk-based capital ratio | 12.4584% | 4,397 |
| Total risk-based capital ratio | 13.5819% | 4,374 |
| Memoranda: | ||
| Average total assets | $460,773,800 | 1,479 |
| Average earning assets | $415,951,200 | 1,511 |
| Average equity | $48,786,200 | 1,559 |
| Average total loans | $360,108,400 | 1,305 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,317 |
| Cost of funding earning assets | 0.2233% | 4,849 |
| Net interest margin | 4.3632% | 830 |
| Noninterest income to average assets | 3.0950% | 198 |
| Noninterest expense to average assets | 5.0904% | 251 |
| Loan and lease loss provision to assets | 0.1955% | 1,103 |
| Net operating income to assets | 1.7480% | 541 |
| Return on assets (ROA) | 1.7480% | 572 |
| Pretax return on assets | 1.7480% | 1,006 |
| Return on Equity (ROE) | 16.4215% | 499 |
| Retained earnings to average equity (ytd only) | 8.4137% | 1,014 |
| Net charge-offs to loans | -0.0129% | 4,867 |
| Credit loss provision to net charge-offs | -1,955.8824% | 5,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1723% | 3,390 |
| Assets per employee ($millions) | 2.9027% | 5,466 |
| Cash dividends to net income (ytd only)* | 48.7641% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.5130% | 1,117 |
| Net loans and leases to deposits | 94.3047% | 1,235 |
| Net loans and leases to core deposits | 112.8337% | 774 |
| Total domestic deposits to total assets | 83.2546% | 3,496 |
| Equity capital to assets | 10.4708% | 3,599 |
| Core capital (leverage) ratio | 10.0918% | 3,452 |
| Tier 1 risk-based capital ratio | 11.9849% | 4,797 |
| Total risk-based capital ratio | 13.0443% | 4,819 |
| Memoranda: | ||
| Average total assets | $453,623,250 | 1,502 |
| Average earning assets | $409,509,750 | 1,532 |
| Average equity | $48,285,000 | 1,574 |
| Average total loans | $350,474,250 | 1,336 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 1,415 |
| Cost of funding earning assets | 0.2268% | 4,875 |
| Net interest margin | 4.3097% | 906 |
| Noninterest income to average assets | 2.8883% | 215 |
| Noninterest expense to average assets | 4.6023% | 347 |
| Loan and lease loss provision to assets | 0.1995% | 1,079 |
| Net operating income to assets | 1.9791% | 343 |
| Return on assets (ROA) | 1.9791% | 361 |
| Pretax return on assets | 1.9791% | 592 |
| Return on Equity (ROE) | 18.4876% | 331 |
| Retained earnings to average equity (ytd only) | 16.8198% | 100 |
| Net charge-offs to loans | -0.0327% | 5,166 |
| Credit loss provision to net charge-offs | -798.2143% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4484% | 3,941 |
| Assets per employee ($millions) | 2.9273% | 5,506 |
| Cash dividends to net income (ytd only)* | 9.0212% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.0286% | 1,333 |
| Net loans and leases to deposits | 90.2646% | 1,725 |
| Net loans and leases to core deposits | 109.8581% | 939 |
| Total domestic deposits to total assets | 85.3364% | 2,719 |
| Equity capital to assets | 10.9319% | 3,131 |
| Core capital (leverage) ratio | 10.6652% | 2,776 |
| Tier 1 risk-based capital ratio | 12.5650% | 4,470 |
| Total risk-based capital ratio | 13.5945% | 4,541 |
| Memoranda: | ||
| Average total assets | $448,083,330 | 1,523 |
| Average earning assets | $404,716,330 | 1,552 |
| Average equity | $47,967,330 | 1,580 |
| Average total loans | $342,846,330 | 1,360 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 1,402 |
| Cost of funding earning assets | 0.2334% | 4,870 |
| Net interest margin | 4.3039% | 925 |
| Noninterest income to average assets | 2.5790% | 241 |
| Noninterest expense to average assets | 4.5414% | 379 |
| Loan and lease loss provision to assets | 0.2026% | 969 |
| Net operating income to assets | 1.7200% | 548 |
| Return on assets (ROA) | 1.7200% | 584 |
| Pretax return on assets | 1.7200% | 1,018 |
| Return on Equity (ROE) | 16.2458% | 511 |
| Retained earnings to average equity (ytd only) | 12.8292% | 410 |
| Net charge-offs to loans | -0.0095% | 4,513 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5434% | 3,537 |
| Assets per employee ($millions) | 2.8774% | 5,618 |
| Cash dividends to net income (ytd only)* | 21.0305% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.5539% | 1,465 |
| Net loans and leases to deposits | 85.4939% | 2,122 |
| Net loans and leases to core deposits | 105.8459% | 1,084 |
| Total domestic deposits to total assets | 88.3734% | 1,423 |
| Equity capital to assets | 10.6067% | 3,361 |
| Core capital (leverage) ratio | 10.3922% | 3,082 |
| Tier 1 risk-based capital ratio | 12.1272% | 4,830 |
| Total risk-based capital ratio | 13.1038% | 4,913 |
| Memoranda: | ||
| Average total assets | $442,335,000 | 1,543 |
| Average earning assets | $399,268,500 | 1,572 |
| Average equity | $46,830,500 | 1,603 |
| Average total loans | $335,285,500 | 1,381 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 1,812 |
| Cost of funding earning assets | 0.2971% | 4,279 |
| Net interest margin | 4.1296% | 1,338 |
| Noninterest income to average assets | 2.5733% | 255 |
| Noninterest expense to average assets | 4.8327% | 316 |
| Loan and lease loss provision to assets | -0.1065% | 5,863 |
| Net operating income to assets | 1.5633% | 761 |
| Return on assets (ROA) | 1.5648% | 783 |
| Pretax return on assets | 1.5648% | 1,360 |
| Return on Equity (ROE) | 15.0872% | 673 |
| Retained earnings to average equity (ytd only) | 13.4571% | 188 |
| Net charge-offs to loans | -0.0627% | 5,630 |
| Credit loss provision to net charge-offs | 232.1053% | 1,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2580% | 3,023 |
| Assets per employee ($millions) | 2.8116% | 5,696 |
| Cash dividends to net income (ytd only)* | 10.8041% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 4,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.4117% | 1,656 |
| Net loans and leases to deposits | 85.7188% | 2,165 |
| Net loans and leases to core deposits | 103.3845% | 1,266 |
| Total domestic deposits to total assets | 86.8091% | 2,233 |
| Equity capital to assets | 10.5669% | 3,289 |
| Core capital (leverage) ratio | 10.6211% | 2,810 |
| Tier 1 risk-based capital ratio | 12.3418% | 4,738 |
| Total risk-based capital ratio | 13.2864% | 4,828 |
| Memoranda: | ||
| Average total assets | $414,056,600 | 1,591 |
| Average earning assets | $372,603,800 | 1,631 |
| Average equity | $42,943,800 | 1,704 |
| Average total loans | $303,185,800 | 1,460 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 1,755 |
| Cost of funding earning assets | 0.3169% | 4,143 |
| Net interest margin | 4.1334% | 1,319 |
| Noninterest income to average assets | 2.4521% | 271 |
| Noninterest expense to average assets | 4.8105% | 334 |
| Loan and lease loss provision to assets | -0.1498% | 6,058 |
| Net operating income to assets | 1.5114% | 904 |
| Return on assets (ROA) | 1.5133% | 935 |
| Pretax return on assets | 1.5133% | 1,647 |
| Return on Equity (ROE) | 14.6651% | 781 |
| Retained earnings to average equity (ytd only) | 12.4517% | 319 |
| Net charge-offs to loans | -0.0996% | 5,784 |
| Credit loss provision to net charge-offs | 206.7568% | 1,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0017% | 2,717 |
| Assets per employee ($millions) | 2.7686% | 5,782 |
| Cash dividends to net income (ytd only)* | 15.0927% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 4,234 |
| Loan loss allowance to noncurrent loans | 3,185.3211% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 5,693 |
| Noncurrent loans to loans | 0.0345% | 5,484 |
| Net loans and leases to total assets | 74.2774% | 1,687 |
| Net loans and leases to deposits | 84.3411% | 2,366 |
| Net loans and leases to core deposits | 94.9450% | 1,985 |
| Total domestic deposits to total assets | 88.0678% | 1,521 |
| Equity capital to assets | 10.4940% | 3,610 |
| Core capital (leverage) ratio | 10.3356% | 3,215 |
| Tier 1 risk-based capital ratio | 12.4464% | 4,797 |
| Total risk-based capital ratio | 13.4433% | 4,867 |
| Memoranda: | ||
| Average total assets | $408,622,500 | 1,625 |
| Average earning assets | $367,756,000 | 1,662 |
| Average equity | $42,167,250 | 1,744 |
| Average total loans | $297,047,750 | 1,489 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 1,892 |
| Cost of funding earning assets | 0.3471% | 3,841 |
| Net interest margin | 4.0411% | 1,521 |
| Noninterest income to average assets | 2.2726% | 310 |
| Noninterest expense to average assets | 4.9269% | 300 |
| Loan and lease loss provision to assets | -0.2358% | 6,201 |
| Net operating income to assets | 1.2132% | 1,561 |
| Return on assets (ROA) | 1.2161% | 1,633 |
| Pretax return on assets | 1.2161% | 2,712 |
| Return on Equity (ROE) | 11.8547% | 1,418 |
| Retained earnings to average equity (ytd only) | 10.8909% | 520 |
| Net charge-offs to loans | 0.0275% | 3,118 |
| Credit loss provision to net charge-offs | -1,192.5000% | 5,384 |
| Earnings coverage of net charge-offs (x) | 49.4250% | 967 |
| Efficiency ratio | 78.4476% | 1,994 |
| Assets per employee ($millions) | 2.6711% | 5,940 |
| Cash dividends to net income (ytd only)* | 8.1301% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,621 |
| Loan loss allowance to noncurrent loans | 17,727.7778% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,892 |
| Noncurrent loans to loans | 0.0059% | 5,749 |
| Net loans and leases to total assets | 73.7573% | 1,699 |
| Net loans and leases to deposits | 91.0336% | 1,480 |
| Net loans and leases to core deposits | 102.3430% | 1,303 |
| Total domestic deposits to total assets | 81.0221% | 4,613 |
| Equity capital to assets | 10.3870% | 3,577 |
| Core capital (leverage) ratio | 10.2657% | 3,262 |
| Tier 1 risk-based capital ratio | 12.3437% | 4,912 |
| Total risk-based capital ratio | 13.2860% | 5,026 |
| Memoranda: | ||
| Average total assets | $404,556,670 | 1,652 |
| Average earning assets | $363,565,000 | 1,684 |
| Average equity | $41,502,670 | 1,773 |
| Average total loans | $290,715,000 | 1,515 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,229 |
| Cost of funding earning assets | 0.3947% | 3,364 |
| Net interest margin | 3.8667% | 2,010 |
| Noninterest income to average assets | 2.0761% | 352 |
| Noninterest expense to average assets | 4.4304% | 449 |
| Loan and lease loss provision to assets | -0.2763% | 6,299 |
| Net operating income to assets | 1.3883% | 1,050 |
| Return on assets (ROA) | 1.3883% | 1,105 |
| Pretax return on assets | 1.3883% | 1,932 |
| Return on Equity (ROE) | 13.6196% | 953 |
| Retained earnings to average equity (ytd only) | 13.6196% | 389 |
| Net charge-offs to loans | 0.0395% | 2,432 |
| Credit loss provision to net charge-offs | -992.8571% | 4,966 |
| Earnings coverage of net charge-offs (x) | 39.9643% | 974 |
| Efficiency ratio | 74.8969% | 2,669 |
| Assets per employee ($millions) | 2.6104% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,170 |
| Loan loss allowance to noncurrent loans | 1,405.7851% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 5,560 |
| Noncurrent loans to loans | 0.0829% | 5,450 |
| Net loans and leases to total assets | 70.8613% | 2,010 |
| Net loans and leases to deposits | 85.3694% | 1,909 |
| Net loans and leases to core deposits | 95.0531% | 1,689 |
| Total domestic deposits to total assets | 83.0056% | 4,179 |
| Equity capital to assets | 10.2374% | 3,845 |
| Core capital (leverage) ratio | 10.3636% | 3,146 |
| Tier 1 risk-based capital ratio | 12.3039% | 5,039 |
| Total risk-based capital ratio | 13.3226% | 5,096 |
| Memoranda: | ||
| Average total assets | $402,492,500 | 1,664 |
| Average earning assets | $360,821,000 | 1,700 |
| Average equity | $41,029,000 | 1,791 |
| Average total loans | $283,759,500 | 1,545 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 2,283 |
| Cost of funding earning assets | 0.4301% | 3,382 |
| Net interest margin | 3.9519% | 2,044 |
| Noninterest income to average assets | 2.2470% | 283 |
| Noninterest expense to average assets | 4.9652% | 312 |
| Loan and lease loss provision to assets | -0.2945% | 6,366 |
| Net operating income to assets | 1.0917% | 2,006 |
| Return on assets (ROA) | 1.0917% | 2,064 |
| Pretax return on assets | 1.0917% | 3,117 |
| Return on Equity (ROE) | 10.8344% | 1,772 |
| Retained earnings to average equity (ytd only) | 7.4833% | 1,200 |
| Net charge-offs to loans | 0.2098% | 1,988 |
| Credit loss provision to net charge-offs | -200.3534% | 5,632 |
| Earnings coverage of net charge-offs (x) | 5.4223% | 3,422 |
| Efficiency ratio | 74.7036% | 2,716 |
| Assets per employee ($millions) | 2.5829% | 6,118 |
| Cash dividends to net income (ytd only)* | 30.9303% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,195 |
| Loan loss allowance to noncurrent loans | 953.2134% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 5,490 |
| Noncurrent loans to loans | 0.1412% | 5,332 |
| Net loans and leases to total assets | 68.3437% | 2,505 |
| Net loans and leases to deposits | 80.6799% | 2,644 |
| Net loans and leases to core deposits | 90.4339% | 2,235 |
| Total domestic deposits to total assets | 84.7097% | 3,412 |
| Equity capital to assets | 10.1490% | 3,924 |
| Core capital (leverage) ratio | 10.2924% | 3,184 |
| Tier 1 risk-based capital ratio | 12.2275% | 5,207 |
| Total risk-based capital ratio | 13.3662% | 5,192 |
| Memoranda: | ||
| Average total assets | $384,999,200 | 1,704 |
| Average earning assets | $342,468,600 | 1,750 |
| Average equity | $38,793,000 | 1,821 |
| Average total loans | $269,731,400 | 1,578 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 2,254 |
| Cost of funding earning assets | 0.4342% | 3,426 |
| Net interest margin | 3.9556% | 2,015 |
| Noninterest income to average assets | 2.3743% | 260 |
| Noninterest expense to average assets | 5.1358% | 279 |
| Loan and lease loss provision to assets | -0.2975% | 6,459 |
| Net operating income to assets | 1.0480% | 2,242 |
| Return on assets (ROA) | 1.0480% | 2,303 |
| Pretax return on assets | 1.0480% | 3,388 |
| Return on Equity (ROE) | 10.4201% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.6007% | 2,041 |
| Net charge-offs to loans | 0.2410% | 1,599 |
| Credit loss provision to net charge-offs | -175.6701% | 5,539 |
| Earnings coverage of net charge-offs (x) | 4.4309% | 3,461 |
| Efficiency ratio | 75.2551% | 2,626 |
| Assets per employee ($millions) | 2.5318% | 6,208 |
| Cash dividends to net income (ytd only)* | 36.6545% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 2,723 |
| Loan loss allowance to noncurrent loans | 1,448.7544% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 5,578 |
| Noncurrent loans to loans | 0.1034% | 5,628 |
| Net loans and leases to total assets | 70.4998% | 2,111 |
| Net loans and leases to deposits | 84.5904% | 2,078 |
| Net loans and leases to core deposits | 95.5911% | 1,713 |
| Total domestic deposits to total assets | 83.3426% | 4,018 |
| Equity capital to assets | 10.3671% | 3,716 |
| Core capital (leverage) ratio | 10.0812% | 3,554 |
| Tier 1 risk-based capital ratio | 12.0342% | 5,460 |
| Total risk-based capital ratio | 13.2832% | 5,375 |
| Memoranda: | ||
| Average total assets | $381,808,250 | 1,729 |
| Average earning assets | $338,986,500 | 1,779 |
| Average equity | $38,399,000 | 1,845 |
| Average total loans | $268,275,750 | 1,591 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,631 |
| Cost of funding earning assets | 0.4323% | 3,526 |
| Net interest margin | 3.8537% | 2,365 |
| Noninterest income to average assets | 2.4022% | 256 |
| Noninterest expense to average assets | 5.0444% | 305 |
| Loan and lease loss provision to assets | -0.2960% | 6,525 |
| Net operating income to assets | 1.0704% | 2,037 |
| Return on assets (ROA) | 1.0704% | 2,116 |
| Pretax return on assets | 1.0704% | 3,209 |
| Return on Equity (ROE) | 10.7526% | 1,826 |
| Retained earnings to average equity (ytd only) | 9.1767% | 929 |
| Net charge-offs to loans | 0.4126% | 985 |
| Credit loss provision to net charge-offs | -102.7223% | 5,263 |
| Earnings coverage of net charge-offs (x) | 2.6878% | 3,489 |
| Efficiency ratio | 73.6341% | 3,040 |
| Assets per employee ($millions) | 2.5978% | 6,211 |
| Cash dividends to net income (ytd only)* | 14.6556% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 2,462 |
| Loan loss allowance to noncurrent loans | 831.5891% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 5,385 |
| Noncurrent loans to loans | 0.1923% | 5,437 |
| Net loans and leases to total assets | 69.1336% | 2,215 |
| Net loans and leases to deposits | 82.2006% | 2,228 |
| Net loans and leases to core deposits | 95.3059% | 1,660 |
| Total domestic deposits to total assets | 84.1036% | 3,892 |
| Equity capital to assets | 10.1917% | 3,840 |
| Core capital (leverage) ratio | 10.0586% | 3,524 |
| Tier 1 risk-based capital ratio | 11.7498% | 5,666 |
| Total risk-based capital ratio | 12.9984% | 5,607 |
| Memoranda: | ||
| Average total assets | $382,485,330 | 1,722 |
| Average earning assets | $339,101,330 | 1,774 |
| Average equity | $38,074,670 | 1,851 |
| Average total loans | $267,096,670 | 1,593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,700 |
| Cost of funding earning assets | 0.4324% | 3,620 |
| Net interest margin | 3.8141% | 2,410 |
| Noninterest income to average assets | 2.1986% | 284 |
| Noninterest expense to average assets | 4.7849% | 362 |
| Loan and lease loss provision to assets | -0.2895% | 6,613 |
| Net operating income to assets | 1.0857% | 1,873 |
| Return on assets (ROA) | 1.0857% | 1,935 |
| Pretax return on assets | 1.0857% | 2,975 |
| Return on Equity (ROE) | 11.0379% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.0379% | 740 |
| Net charge-offs to loans | 0.5929% | 625 |
| Credit loss provision to net charge-offs | -70.1266% | 4,791 |
| Earnings coverage of net charge-offs (x) | 1.9291% | 2,985 |
| Efficiency ratio | 72.7766% | 3,346 |
| Assets per employee ($millions) | 2.5846% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,032 |
| Loan loss allowance to noncurrent loans | 325.9463% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 4,716 |
| Noncurrent loans to loans | 0.5529% | 4,506 |
| Net loans and leases to total assets | 66.5658% | 2,474 |
| Net loans and leases to deposits | 78.6693% | 2,466 |
| Net loans and leases to core deposits | 90.6996% | 1,852 |
| Total domestic deposits to total assets | 84.6147% | 4,037 |
| Equity capital to assets | 9.8575% | 4,021 |
| Core capital (leverage) ratio | 9.5684% | 4,180 |
| Tier 1 risk-based capital ratio | 11.6104% | 5,856 |
| Total risk-based capital ratio | 12.8611% | 5,803 |
| Memoranda: | ||
| Average total assets | $382,789,000 | 1,727 |
| Average earning assets | $339,480,000 | 1,775 |
| Average equity | $37,652,000 | 1,866 |
| Average total loans | $266,496,500 | 1,601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,803 |
| Cost of funding earning assets | 0.4747% | 3,867 |
| Net interest margin | 4.1446% | 1,519 |
| Noninterest income to average assets | 4.9625% | 135 |
| Noninterest expense to average assets | 7.1722% | 137 |
| Loan and lease loss provision to assets | 0.1438% | 2,505 |
| Net operating income to assets | 1.2894% | 1,276 |
| Return on assets (ROA) | 1.3177% | 1,244 |
| Pretax return on assets | 1.3177% | 2,081 |
| Return on Equity (ROE) | 12.0380% | 1,410 |
| Retained earnings to average equity (ytd only) | -20.6821% | 6,673 |
| Net charge-offs to loans | -0.1308% | 6,540 |
| Credit loss provision to net charge-offs | -157.6119% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4545% | 3,393 |
| Assets per employee ($millions) | 2.5533% | 6,361 |
| Cash dividends to net income (ytd only)* | 271.8065% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 1,550 |
| Loan loss allowance to noncurrent loans | 633.2553% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 5,600 |
| Noncurrent loans to loans | 0.3161% | 5,238 |
| Net loans and leases to total assets | 70.0684% | 1,998 |
| Net loans and leases to deposits | 82.9795% | 2,059 |
| Net loans and leases to core deposits | 97.3939% | 1,354 |
| Total domestic deposits to total assets | 84.4406% | 3,992 |
| Equity capital to assets | 9.8144% | 4,014 |
| Core capital (leverage) ratio | 9.5652% | 4,162 |
| Tier 1 risk-based capital ratio | 11.0473% | 6,149 |
| Total risk-based capital ratio | 12.3015% | 6,092 |
| Memoranda: | ||
| Average total assets | $367,152,200 | 1,775 |
| Average earning assets | $322,711,400 | 1,843 |
| Average equity | $40,189,400 | 1,740 |
| Average total loans | $256,065,600 | 1,622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,774 |
| Cost of funding earning assets | 0.4801% | 3,962 |
| Net interest margin | 4.1598% | 1,457 |
| Noninterest income to average assets | 5.6362% | 124 |
| Noninterest expense to average assets | 7.6888% | 126 |
| Loan and lease loss provision to assets | 0.1822% | 1,996 |
| Net operating income to assets | 1.4135% | 1,074 |
| Return on assets (ROA) | 1.4516% | 1,032 |
| Pretax return on assets | 1.4516% | 1,760 |
| Return on Equity (ROE) | 12.9148% | 1,257 |
| Retained earnings to average equity (ytd only) | -24.3519% | 6,781 |
| Net charge-offs to loans | -0.1864% | 6,636 |
| Credit loss provision to net charge-offs | -141.0765% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7147% | 3,278 |
| Assets per employee ($millions) | 2.5001% | 6,479 |
| Cash dividends to net income (ytd only)* | 288.5588% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 1,667 |
| Loan loss allowance to noncurrent loans | 478.7933% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 5,513 |
| Noncurrent loans to loans | 0.4228% | 5,140 |
| Net loans and leases to total assets | 70.1083% | 1,947 |
| Net loans and leases to deposits | 88.9171% | 1,278 |
| Net loans and leases to core deposits | 104.2247% | 868 |
| Total domestic deposits to total assets | 78.8468% | 5,773 |
| Equity capital to assets | 10.1712% | 3,675 |
| Core capital (leverage) ratio | 10.0556% | 3,592 |
| Tier 1 risk-based capital ratio | 11.2941% | 6,151 |
| Total risk-based capital ratio | 12.5484% | 6,111 |
| Memoranda: | ||
| Average total assets | $364,469,750 | 1,798 |
| Average earning assets | $319,657,500 | 1,872 |
| Average equity | $40,965,000 | 1,719 |
| Average total loans | $252,536,000 | 1,646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 1,673 |
| Cost of funding earning assets | 0.4830% | 4,057 |
| Net interest margin | 4.1794% | 1,335 |
| Noninterest income to average assets | 4.6198% | 160 |
| Noninterest expense to average assets | 6.3529% | 179 |
| Loan and lease loss provision to assets | 0.2449% | 1,523 |
| Net operating income to assets | 1.6816% | 645 |
| Return on assets (ROA) | 1.7391% | 633 |
| Pretax return on assets | 1.7391% | 1,041 |
| Return on Equity (ROE) | 14.9844% | 813 |
| Retained earnings to average equity (ytd only) | -34.3127% | 6,863 |
| Net charge-offs to loans | -0.0670% | 6,372 |
| Credit loss provision to net charge-offs | -533.7349% | 5,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1666% | 4,683 |
| Assets per employee ($millions) | 2.5253% | 6,476 |
| Cash dividends to net income (ytd only)* | 328.9892% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 1,944 |
| Loan loss allowance to noncurrent loans | 336.2732% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 5,255 |
| Noncurrent loans to loans | 0.5828% | 4,801 |
| Net loans and leases to total assets | 68.8117% | 2,093 |
| Net loans and leases to deposits | 86.6119% | 1,498 |
| Net loans and leases to core deposits | 98.3459% | 1,183 |
| Total domestic deposits to total assets | 79.4483% | 5,726 |
| Equity capital to assets | 10.3903% | 3,440 |
| Core capital (leverage) ratio | 10.5157% | 2,865 |
| Tier 1 risk-based capital ratio | 11.6678% | 6,015 |
| Total risk-based capital ratio | 12.9214% | 5,963 |
| Memoranda: | ||
| Average total assets | $361,789,330 | 1,811 |
| Average earning assets | $316,791,330 | 1,893 |
| Average equity | $41,990,330 | 1,683 |
| Average total loans | $247,862,330 | 1,672 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 1,597 |
| Cost of funding earning assets | 0.4889% | 4,191 |
| Net interest margin | 4.1897% | 1,219 |
| Noninterest income to average assets | 4.9205% | 151 |
| Noninterest expense to average assets | 6.0959% | 201 |
| Loan and lease loss provision to assets | 0.2512% | 1,430 |
| Net operating income to assets | 2.2560% | 215 |
| Return on assets (ROA) | 2.3587% | 204 |
| Pretax return on assets | 2.3587% | 324 |
| Return on Equity (ROE) | 19.2829% | 342 |
| Retained earnings to average equity (ytd only) | -40.0351% | 6,934 |
| Net charge-offs to loans | -0.1122% | 6,492 |
| Credit loss provision to net charge-offs | -330.8824% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4914% | 5,659 |
| Assets per employee ($millions) | 2.5345% | 6,547 |
| Cash dividends to net income (ytd only)* | 307.6195% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 2,107 |
| Loan loss allowance to noncurrent loans | 140.1912% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 4,020 |
| Noncurrent loans to loans | 1.4097% | 3,451 |
| Net loans and leases to total assets | 66.2121% | 2,335 |
| Net loans and leases to deposits | 80.6439% | 1,998 |
| Net loans and leases to core deposits | 93.2231% | 1,403 |
| Total domestic deposits to total assets | 82.1044% | 5,158 |
| Equity capital to assets | 11.3912% | 2,532 |
| Core capital (leverage) ratio | 11.4255% | 1,922 |
| Tier 1 risk-based capital ratio | 12.7310% | 5,415 |
| Total risk-based capital ratio | 13.9837% | 5,362 |
| Memoranda: | ||
| Average total assets | $358,339,500 | 1,848 |
| Average earning assets | $314,964,000 | 1,928 |
| Average equity | $43,831,500 | 1,630 |
| Average total loans | $242,407,500 | 1,715 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 1,951 |
| Cost of funding earning assets | 0.7077% | 3,437 |
| Net interest margin | 4.1619% | 1,771 |
| Noninterest income to average assets | 5.0297% | 144 |
| Noninterest expense to average assets | 4.3844% | 633 |
| Loan and lease loss provision to assets | 0.4418% | 1,433 |
| Net operating income to assets | 3.9179% | 63 |
| Return on assets (ROA) | 4.0334% | 62 |
| Pretax return on assets | 4.0334% | 76 |
| Return on Equity (ROE) | 36.8677% | 32 |
| Retained earnings to average equity (ytd only) | 24.0985% | 36 |
| Net charge-offs to loans | 0.4823% | 2,310 |
| Credit loss provision to net charge-offs | 134.6332% | 2,074 |
| Earnings coverage of net charge-offs (x) | 13.2860% | 1,842 |
| Efficiency ratio | 42.0154% | 6,893 |
| Assets per employee ($millions) | 2.6837% | 6,440 |
| Cash dividends to net income (ytd only)* | 34.6351% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 2,312 |
| Loan loss allowance to noncurrent loans | 119.9842% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 3,891 |
| Noncurrent loans to loans | 1.5783% | 3,253 |
| Net loans and leases to total assets | 66.4672% | 2,461 |
| Net loans and leases to deposits | 82.9266% | 1,886 |
| Net loans and leases to core deposits | 92.9104% | 1,561 |
| Total domestic deposits to total assets | 80.1519% | 5,620 |
| Equity capital to assets | 13.0919% | 1,393 |
| Core capital (leverage) ratio | 13.1049% | 1,075 |
| Tier 1 risk-based capital ratio | 14.2356% | 4,212 |
| Total risk-based capital ratio | 15.4875% | 4,170 |
| Memoranda: | ||
| Average total assets | $328,210,200 | 1,964 |
| Average earning assets | $292,920,200 | 2,017 |
| Average equity | $35,906,800 | 1,925 |
| Average total loans | $223,299,200 | 1,817 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 2,104 |
| Cost of funding earning assets | 0.7543% | 3,318 |
| Net interest margin | 4.1210% | 2,020 |
| Noninterest income to average assets | 3.8105% | 189 |
| Noninterest expense to average assets | 3.9410% | 1,017 |
| Loan and lease loss provision to assets | 0.4393% | 1,436 |
| Net operating income to assets | 3.1233% | 96 |
| Return on assets (ROA) | 3.2775% | 88 |
| Pretax return on assets | 3.2775% | 123 |
| Return on Equity (ROE) | 31.6733% | 64 |
| Retained earnings to average equity (ytd only) | 15.3120% | 218 |
| Net charge-offs to loans | 0.5756% | 1,899 |
| Credit loss provision to net charge-offs | 112.0507% | 2,613 |
| Earnings coverage of net charge-offs (x) | 9.0867% | 2,368 |
| Efficiency ratio | 44.3413% | 6,890 |
| Assets per employee ($millions) | 2.7183% | 6,466 |
| Cash dividends to net income (ytd only)* | 51.6565% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,869 |
| Loan loss allowance to noncurrent loans | 121.9346% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 3,441 |
| Noncurrent loans to loans | 1.4571% | 3,614 |
| Net loans and leases to total assets | 71.4474% | 1,656 |
| Net loans and leases to deposits | 91.8570% | 986 |
| Net loans and leases to core deposits | 101.1358% | 1,042 |
| Total domestic deposits to total assets | 77.7811% | 6,120 |
| Equity capital to assets | 11.1314% | 3,118 |
| Core capital (leverage) ratio | 10.9050% | 2,482 |
| Tier 1 risk-based capital ratio | 11.1670% | 6,410 |
| Total risk-based capital ratio | 12.4179% | 6,382 |
| Memoranda: | ||
| Average total assets | $321,700,250 | 2,023 |
| Average earning assets | $288,306,000 | 2,075 |
| Average equity | $33,289,000 | 2,090 |
| Average total loans | $219,122,750 | 1,858 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,619 |
| Cost of funding earning assets | 0.8098% | 3,114 |
| Net interest margin | 3.9635% | 2,665 |
| Noninterest income to average assets | 2.3763% | 317 |
| Noninterest expense to average assets | 3.8343% | 1,163 |
| Loan and lease loss provision to assets | 0.4209% | 1,552 |
| Net operating income to assets | 1.6722% | 716 |
| Return on assets (ROA) | 1.8562% | 576 |
| Pretax return on assets | 1.8562% | 926 |
| Return on Equity (ROE) | 18.4227% | 461 |
| Retained earnings to average equity (ytd only) | 6.6708% | 2,291 |
| Net charge-offs to loans | 0.3740% | 2,522 |
| Credit loss provision to net charge-offs | 169.1919% | 1,650 |
| Earnings coverage of net charge-offs (x) | 8.4141% | 2,300 |
| Efficiency ratio | 56.4434% | 6,067 |
| Assets per employee ($millions) | 2.6930% | 6,534 |
| Cash dividends to net income (ytd only)* | 63.7902% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0300% | 2,151 |
| Loan loss allowance to noncurrent loans | 80.4269% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.7838% | 1,980 |
| Noncurrent loans to loans | 2.5241% | 2,390 |
| Net loans and leases to total assets | 67.5226% | 2,364 |
| Net loans and leases to deposits | 86.4311% | 1,542 |
| Net loans and leases to core deposits | 94.4272% | 1,561 |
| Total domestic deposits to total assets | 78.1231% | 6,138 |
| Equity capital to assets | 10.7311% | 3,417 |
| Core capital (leverage) ratio | 10.2492% | 3,098 |
| Tier 1 risk-based capital ratio | 10.2489% | 6,766 |
| Total risk-based capital ratio | 11.4970% | 6,749 |
| Memoranda: | ||
| Average total assets | $318,388,000 | 2,034 |
| Average earning assets | $285,255,330 | 2,088 |
| Average equity | $32,080,000 | 2,149 |
| Average total loans | $211,753,000 | 1,931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 3,531 |
| Cost of funding earning assets | 0.8574% | 3,013 |
| Net interest margin | 3.7369% | 3,653 |
| Noninterest income to average assets | 2.0571% | 392 |
| Noninterest expense to average assets | 3.6009% | 1,555 |
| Loan and lease loss provision to assets | 0.5083% | 1,189 |
| Net operating income to assets | 1.3066% | 1,443 |
| Return on assets (ROA) | 1.4384% | 1,282 |
| Pretax return on assets | 1.4384% | 2,062 |
| Return on Equity (ROE) | 14.7538% | 1,024 |
| Retained earnings to average equity (ytd only) | 8.3167% | 1,855 |
| Net charge-offs to loans | 0.6977% | 1,428 |
| Credit loss provision to net charge-offs | 111.5702% | 2,108 |
| Earnings coverage of net charge-offs (x) | 3.9835% | 2,699 |
| Efficiency ratio | 58.1228% | 5,899 |
| Assets per employee ($millions) | 3.0496% | 6,062 |
| Cash dividends to net income (ytd only)* | 43.6300% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,283 |
| Loan loss allowance to noncurrent loans | 63.4734% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.8813% | 2,018 |
| Noncurrent loans to loans | 3.1913% | 2,015 |
| Net loans and leases to total assets | 63.6535% | 2,915 |
| Net loans and leases to deposits | 80.6551% | 2,111 |
| Net loans and leases to core deposits | 88.3888% | 2,006 |
| Total domestic deposits to total assets | 78.9206% | 6,095 |
| Equity capital to assets | 9.8581% | 4,304 |
| Core capital (leverage) ratio | 9.6346% | 3,868 |
| Tier 1 risk-based capital ratio | 10.9495% | 6,559 |
| Total risk-based capital ratio | 12.2001% | 6,549 |
| Memoranda: | ||
| Average total assets | $318,697,500 | 2,041 |
| Average earning assets | $286,439,000 | 2,085 |
| Average equity | $31,070,000 | 2,200 |
| Average total loans | $208,123,500 | 1,961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 2,109 |
| Cost of funding earning assets | 1.2632% | 1,663 |
| Net interest margin | 3.9260% | 3,219 |
| Noninterest income to average assets | 1.8847% | 413 |
| Noninterest expense to average assets | 3.4814% | 2,029 |
| Loan and lease loss provision to assets | 0.5807% | 1,783 |
| Net operating income to assets | 1.3632% | 1,104 |
| Return on assets (ROA) | 1.3556% | 1,216 |
| Pretax return on assets | 1.3556% | 1,928 |
| Return on Equity (ROE) | 14.2778% | 866 |
| Retained earnings to average equity (ytd only) | 10.1030% | 539 |
| Net charge-offs to loans | 0.5093% | 2,956 |
| Credit loss provision to net charge-offs | 158.2358% | 1,754 |
| Earnings coverage of net charge-offs (x) | 5.2970% | 2,839 |
| Efficiency ratio | 61.2116% | 5,575 |
| Assets per employee ($millions) | 2.9644% | 6,171 |
| Cash dividends to net income (ytd only)* | 29.2398% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 2,266 |
| Loan loss allowance to noncurrent loans | 74.5133% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 2,717 |
| Noncurrent loans to loans | 2.6891% | 2,419 |
| Net loans and leases to total assets | 64.3272% | 3,114 |
| Net loans and leases to deposits | 81.5778% | 2,262 |
| Net loans and leases to core deposits | 90.6087% | 2,036 |
| Total domestic deposits to total assets | 78.8538% | 6,024 |
| Equity capital to assets | 9.6390% | 4,691 |
| Core capital (leverage) ratio | 9.6726% | 3,770 |
| Tier 1 risk-based capital ratio | 11.1299% | 6,388 |
| Total risk-based capital ratio | 12.3819% | 6,362 |
| Memoranda: | ||
| Average total assets | $302,748,400 | 2,119 |
| Average earning assets | $273,027,200 | 2,145 |
| Average equity | $28,744,000 | 2,287 |
| Average total loans | $218,132,000 | 1,885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 2,005 |
| Cost of funding earning assets | 1.3340% | 1,534 |
| Net interest margin | 3.9223% | 3,263 |
| Noninterest income to average assets | 1.6072% | 513 |
| Noninterest expense to average assets | 3.3384% | 2,380 |
| Loan and lease loss provision to assets | 0.5692% | 1,723 |
| Net operating income to assets | 1.2355% | 1,556 |
| Return on assets (ROA) | 1.2355% | 1,660 |
| Pretax return on assets | 1.2355% | 2,502 |
| Return on Equity (ROE) | 13.0660% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.4097% | 1,769 |
| Net charge-offs to loans | 0.4370% | 2,975 |
| Credit loss provision to net charge-offs | 176.6252% | 1,684 |
| Earnings coverage of net charge-offs (x) | 5.6003% | 2,741 |
| Efficiency ratio | 63.1337% | 5,213 |
| Assets per employee ($millions) | 2.9568% | 6,216 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,789 |
| Loan loss allowance to noncurrent loans | 66.9787% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.4407% | 2,641 |
| Noncurrent loans to loans | 2.7587% | 2,528 |
| Net loans and leases to total assets | 71.8432% | 1,746 |
| Net loans and leases to deposits | 94.8071% | 770 |
| Net loans and leases to core deposits | 106.8913% | 817 |
| Total domestic deposits to total assets | 75.7783% | 6,555 |
| Equity capital to assets | 9.6720% | 4,821 |
| Core capital (leverage) ratio | 9.5272% | 4,111 |
| Tier 1 risk-based capital ratio | 10.7789% | 6,676 |
| Total risk-based capital ratio | 12.0332% | 6,652 |
| Memoranda: | ||
| Average total assets | $299,137,750 | 2,150 |
| Average earning assets | $269,665,750 | 2,179 |
| Average equity | $28,286,500 | 2,311 |
| Average total loans | $220,612,000 | 1,881 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 1,878 |
| Cost of funding earning assets | 1.3655% | 1,571 |
| Net interest margin | 3.9381% | 3,135 |
| Noninterest income to average assets | 1.6667% | 482 |
| Noninterest expense to average assets | 3.3146% | 2,511 |
| Loan and lease loss provision to assets | 0.5397% | 1,807 |
| Net operating income to assets | 1.3603% | 1,165 |
| Return on assets (ROA) | 1.3603% | 1,236 |
| Pretax return on assets | 1.3603% | 1,918 |
| Return on Equity (ROE) | 14.4970% | 889 |
| Retained earnings to average equity (ytd only) | 8.0666% | 1,441 |
| Net charge-offs to loans | 0.0870% | 4,781 |
| Credit loss provision to net charge-offs | 838.5417% | 391 |
| Earnings coverage of net charge-offs (x) | 29.5208% | 928 |
| Efficiency ratio | 62.1882% | 5,560 |
| Assets per employee ($millions) | 3.1571% | 5,740 |
| Cash dividends to net income (ytd only)* | 44.3568% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9483% | 2,519 |
| Loan loss allowance to noncurrent loans | 66.1459% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.1342% | 3,065 |
| Noncurrent loans to loans | 2.9455% | 2,466 |
| Net loans and leases to total assets | 71.0465% | 1,993 |
| Net loans and leases to deposits | 89.8304% | 1,294 |
| Net loans and leases to core deposits | 116.3866% | 511 |
| Total domestic deposits to total assets | 79.0896% | 6,063 |
| Equity capital to assets | 9.5078% | 4,804 |
| Core capital (leverage) ratio | 9.3991% | 4,114 |
| Tier 1 risk-based capital ratio | 11.1122% | 6,439 |
| Total risk-based capital ratio | 12.3662% | 6,434 |
| Memoranda: | ||
| Average total assets | $298,319,330 | 2,159 |
| Average earning assets | $268,760,000 | 2,192 |
| Average equity | $27,992,000 | 2,315 |
| Average total loans | $220,565,000 | 1,905 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 1,613 |
| Cost of funding earning assets | 1.4018% | 1,600 |
| Net interest margin | 3.9838% | 2,756 |
| Noninterest income to average assets | 1.8796% | 397 |
| Noninterest expense to average assets | 3.2751% | 2,637 |
| Loan and lease loss provision to assets | 0.5445% | 1,590 |
| Net operating income to assets | 1.6362% | 638 |
| Return on assets (ROA) | 1.6362% | 677 |
| Pretax return on assets | 1.6362% | 1,115 |
| Return on Equity (ROE) | 17.5550% | 519 |
| Retained earnings to average equity (ytd only) | 13.9488% | 478 |
| Net charge-offs to loans | 0.0666% | 4,256 |
| Credit loss provision to net charge-offs | 1,094.5946% | 350 |
| Earnings coverage of net charge-offs (x) | 43.8378% | 635 |
| Efficiency ratio | 58.9699% | 6,132 |
| Assets per employee ($millions) | 3.3423% | 5,386 |
| Cash dividends to net income (ytd only)* | 20.5423% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 3,115 |
| Loan loss allowance to noncurrent loans | 85.6734% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 3,987 |
| Noncurrent loans to loans | 2.0605% | 3,494 |
| Net loans and leases to total assets | 72.0164% | 1,720 |
| Net loans and leases to deposits | 91.1409% | 1,101 |
| Net loans and leases to core deposits | 109.0401% | 783 |
| Total domestic deposits to total assets | 79.0165% | 6,184 |
| Equity capital to assets | 9.3757% | 4,613 |
| Core capital (leverage) ratio | 9.2979% | 4,126 |
| Tier 1 risk-based capital ratio | 11.2672% | 6,289 |
| Total risk-based capital ratio | 12.5204% | 6,267 |
| Memoranda: | ||
| Average total assets | $297,518,000 | 2,176 |
| Average earning assets | $267,085,000 | 2,221 |
| Average equity | $27,730,000 | 2,320 |
| Average total loans | $222,188,500 | 1,915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 1,969 |
| Cost of funding earning assets | 1.6467% | 1,842 |
| Net interest margin | 3.9355% | 3,318 |
| Noninterest income to average assets | 1.2093% | 1,026 |
| Noninterest expense to average assets | 3.1593% | 3,239 |
| Loan and lease loss provision to assets | 0.5958% | 2,755 |
| Net operating income to assets | 0.9806% | 2,102 |
| Return on assets (ROA) | 0.9031% | 2,510 |
| Pretax return on assets | 0.9031% | 3,279 |
| Return on Equity (ROE) | 9.5993% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.0489% | 3,025 |
| Net charge-offs to loans | 0.7163% | 2,869 |
| Credit loss provision to net charge-offs | 103.2515% | 4,366 |
| Earnings coverage of net charge-offs (x) | 2.7319% | 3,711 |
| Efficiency ratio | 66.7115% | 4,817 |
| Assets per employee ($millions) | 3.1981% | 5,673 |
| Cash dividends to net income (ytd only)* | 57.8205% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 3,680 |
| Loan loss allowance to noncurrent loans | 97.6184% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 4,563 |
| Noncurrent loans to loans | 1.6131% | 4,086 |
| Net loans and leases to total assets | 74.8834% | 1,498 |
| Net loans and leases to deposits | 94.6992% | 990 |
| Net loans and leases to core deposits | 112.0350% | 811 |
| Total domestic deposits to total assets | 79.0751% | 6,062 |
| Equity capital to assets | 9.2639% | 4,731 |
| Core capital (leverage) ratio | 9.2792% | 4,046 |
| Tier 1 risk-based capital ratio | 10.0123% | 6,979 |
| Total risk-based capital ratio | 11.2614% | 6,965 |
| Memoranda: | ||
| Average total assets | $282,472,000 | 2,271 |
| Average earning assets | $253,107,000 | 2,315 |
| Average equity | $26,574,800 | 2,412 |
| Average total loans | $227,543,800 | 1,918 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6626% | 1,837 |
| Cost of funding earning assets | 1.6978% | 1,888 |
| Net interest margin | 3.9647% | 3,266 |
| Noninterest income to average assets | 0.7765% | 2,346 |
| Noninterest expense to average assets | 3.0340% | 3,629 |
| Loan and lease loss provision to assets | 0.4970% | 2,976 |
| Net operating income to assets | 0.7942% | 3,026 |
| Return on assets (ROA) | 0.7942% | 3,187 |
| Pretax return on assets | 0.7942% | 3,932 |
| Return on Equity (ROE) | 8.4075% | 2,738 |
| Retained earnings to average equity (ytd only) | 1.4644% | 5,212 |
| Net charge-offs to loans | 0.3122% | 4,090 |
| Credit loss provision to net charge-offs | 194.7664% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.0598% | 2,860 |
| Efficiency ratio | 70.1478% | 4,035 |
| Assets per employee ($millions) | 3.1345% | 5,844 |
| Cash dividends to net income (ytd only)* | 82.5829% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,171 |
| Loan loss allowance to noncurrent loans | 83.7155% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.6973% | 3,900 |
| Noncurrent loans to loans | 2.0222% | 3,648 |
| Net loans and leases to total assets | 81.9052% | 507 |
| Net loans and leases to deposits | 105.8700% | 366 |
| Net loans and leases to core deposits | 122.5344% | 541 |
| Total domestic deposits to total assets | 77.3639% | 6,402 |
| Equity capital to assets | 9.4054% | 4,978 |
| Core capital (leverage) ratio | 9.4914% | 3,916 |
| Tier 1 risk-based capital ratio | 10.4790% | 6,791 |
| Total risk-based capital ratio | 11.7330% | 6,775 |
| Memoranda: | ||
| Average total assets | $279,533,000 | 2,318 |
| Average earning assets | $250,199,000 | 2,370 |
| Average equity | $26,404,250 | 2,464 |
| Average total loans | $228,466,500 | 1,931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 2,245 |
| Cost of funding earning assets | 1.7290% | 1,975 |
| Net interest margin | 3.8427% | 3,700 |
| Noninterest income to average assets | 0.7378% | 2,465 |
| Noninterest expense to average assets | 2.9568% | 3,865 |
| Loan and lease loss provision to assets | 0.4737% | 2,950 |
| Net operating income to assets | 0.7557% | 3,166 |
| Return on assets (ROA) | 0.7557% | 3,326 |
| Pretax return on assets | 0.7557% | 4,043 |
| Return on Equity (ROE) | 7.9890% | 2,889 |
| Retained earnings to average equity (ytd only) | 2.4885% | 4,571 |
| Net charge-offs to loans | 0.2767% | 3,950 |
| Credit loss provision to net charge-offs | 210.8626% | 1,843 |
| Earnings coverage of net charge-offs (x) | 5.4728% | 2,660 |
| Efficiency ratio | 70.6326% | 4,053 |
| Assets per employee ($millions) | 3.2537% | 5,543 |
| Cash dividends to net income (ytd only)* | 68.8509% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 3,113 |
| Loan loss allowance to noncurrent loans | 80.0965% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 3,772 |
| Noncurrent loans to loans | 2.1120% | 3,579 |
| Net loans and leases to total assets | 81.2056% | 645 |
| Net loans and leases to deposits | 104.5057% | 463 |
| Net loans and leases to core deposits | 117.2986% | 794 |
| Total domestic deposits to total assets | 77.7044% | 6,340 |
| Equity capital to assets | 9.7102% | 4,393 |
| Core capital (leverage) ratio | 9.7492% | 3,471 |
| Tier 1 risk-based capital ratio | 11.1178% | 6,126 |
| Total risk-based capital ratio | 12.3722% | 6,105 |
| Memoranda: | ||
| Average total assets | $278,676,330 | 2,339 |
| Average earning assets | $250,083,000 | 2,392 |
| Average equity | $26,361,330 | 2,464 |
| Average total loans | $226,276,670 | 1,975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 2,730 |
| Cost of funding earning assets | 1.8495% | 1,659 |
| Net interest margin | 3.6214% | 4,616 |
| Noninterest income to average assets | 0.6625% | 2,868 |
| Noninterest expense to average assets | 2.9343% | 3,933 |
| Loan and lease loss provision to assets | 0.4692% | 2,621 |
| Net operating income to assets | 0.5075% | 4,354 |
| Return on assets (ROA) | 0.5075% | 4,496 |
| Pretax return on assets | 0.5075% | 4,933 |
| Return on Equity (ROE) | 5.4353% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.0097% | 4,927 |
| Net charge-offs to loans | 0.1342% | 4,144 |
| Credit loss provision to net charge-offs | 434.2105% | 959 |
| Earnings coverage of net charge-offs (x) | 9.0395% | 1,903 |
| Efficiency ratio | 75.0273% | 3,399 |
| Assets per employee ($millions) | 3.6295% | 4,747 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,190 |
| Loan loss allowance to noncurrent loans | 41.0262% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.2497% | 2,206 |
| Noncurrent loans to loans | 4.0612% | 1,921 |
| Net loans and leases to total assets | 78.6840% | 1,025 |
| Net loans and leases to deposits | 101.3569% | 672 |
| Net loans and leases to core deposits | 119.0822% | 821 |
| Total domestic deposits to total assets | 77.6306% | 6,419 |
| Equity capital to assets | 9.4248% | 4,650 |
| Core capital (leverage) ratio | 9.3540% | 3,966 |
| Tier 1 risk-based capital ratio | 11.2395% | 5,909 |
| Total risk-based capital ratio | 12.4935% | 5,870 |
| Memoranda: | ||
| Average total assets | $281,359,500 | 2,383 |
| Average earning assets | $252,388,500 | 2,422 |
| Average equity | $26,272,500 | 2,492 |
| Average total loans | $226,534,000 | 2,021 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9299% | 2,130 |
| Cost of funding earning assets | 2.1416% | 2,270 |
| Net interest margin | 3.7883% | 3,759 |
| Noninterest income to average assets | 0.6913% | 3,034 |
| Noninterest expense to average assets | 3.1147% | 3,675 |
| Loan and lease loss provision to assets | 0.3208% | 4,892 |
| Net operating income to assets | 0.6615% | 3,093 |
| Return on assets (ROA) | 0.6604% | 3,148 |
| Pretax return on assets | 0.6600% | 3,707 |
| Return on Equity (ROE) | 6.9953% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.7519% | 1,943 |
| Net charge-offs to loans | 0.3880% | 4,269 |
| Credit loss provision to net charge-offs | 97.1014% | 5,721 |
| Earnings coverage of net charge-offs (x) | 2.9721% | 3,592 |
| Efficiency ratio | 76.0316% | 3,523 |
| Assets per employee ($millions) | 3.3323% | 5,423 |
| Cash dividends to net income (ytd only)* | 32.0692% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,652 |
| Loan loss allowance to noncurrent loans | 166.1244% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 5,631 |
| Noncurrent loans to loans | 0.9109% | 5,487 |
| Net loans and leases to total assets | 79.7786% | 1,034 |
| Net loans and leases to deposits | 102.2165% | 740 |
| Net loans and leases to core deposits | 133.7136% | 1,075 |
| Total domestic deposits to total assets | 78.0486% | 6,201 |
| Equity capital to assets | 9.2517% | 4,766 |
| Core capital (leverage) ratio | 9.3441% | 3,909 |
| Tier 1 risk-based capital ratio | 10.8484% | 6,066 |
| Total risk-based capital ratio | 12.1005% | 6,034 |
| Memoranda: | ||
| Average total assets | $271,521,600 | 2,407 |
| Average earning assets | $244,067,200 | 2,464 |
| Average equity | $25,631,600 | 2,554 |
| Average total loans | $231,167,600 | 2,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9482% | 2,237 |
| Cost of funding earning assets | 2.1879% | 2,462 |
| Net interest margin | 3.7603% | 3,815 |
| Noninterest income to average assets | 0.6915% | 3,077 |
| Noninterest expense to average assets | 3.1452% | 3,481 |
| Loan and lease loss provision to assets | 0.2715% | 4,795 |
| Net operating income to assets | 0.6597% | 3,355 |
| Return on assets (ROA) | 0.6582% | 3,427 |
| Pretax return on assets | 0.6577% | 3,995 |
| Return on Equity (ROE) | 6.9364% | 3,102 |
| Retained earnings to average equity (ytd only) | 3.9285% | 3,086 |
| Net charge-offs to loans | 0.4369% | 3,493 |
| Credit loss provision to net charge-offs | 72.0685% | 5,941 |
| Earnings coverage of net charge-offs (x) | 2.4704% | 3,995 |
| Efficiency ratio | 77.1648% | 3,290 |
| Assets per employee ($millions) | 3.3863% | 5,191 |
| Cash dividends to net income (ytd only)* | 43.3635% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 3,927 |
| Loan loss allowance to noncurrent loans | 106.3430% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 4,823 |
| Noncurrent loans to loans | 1.3189% | 4,733 |
| Net loans and leases to total assets | 84.2151% | 514 |
| Net loans and leases to deposits | 109.0720% | 495 |
| Net loans and leases to core deposits | 145.1226% | 721 |
| Total domestic deposits to total assets | 77.2105% | 6,286 |
| Equity capital to assets | 9.3849% | 4,907 |
| Core capital (leverage) ratio | 9.3949% | 4,057 |
| Tier 1 risk-based capital ratio | 10.8107% | 6,144 |
| Total risk-based capital ratio | 12.0621% | 6,106 |
| Memoranda: | ||
| Average total assets | $268,591,000 | 2,445 |
| Average earning assets | $241,749,250 | 2,501 |
| Average equity | $25,488,250 | 2,587 |
| Average total loans | $231,599,500 | 2,046 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9613% | 2,340 |
| Cost of funding earning assets | 2.2504% | 2,573 |
| Net interest margin | 3.7109% | 3,904 |
| Noninterest income to average assets | 0.7094% | 2,934 |
| Noninterest expense to average assets | 3.0245% | 3,991 |
| Loan and lease loss provision to assets | 0.2047% | 5,004 |
| Net operating income to assets | 0.8174% | 2,788 |
| Return on assets (ROA) | 0.8152% | 2,896 |
| Pretax return on assets | 0.8144% | 3,623 |
| Return on Equity (ROE) | 8.5578% | 2,538 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,114 |
| Net charge-offs to loans | 0.1404% | 4,765 |
| Credit loss provision to net charge-offs | 168.5185% | 2,730 |
| Earnings coverage of net charge-offs (x) | 8.4074% | 2,266 |
| Efficiency ratio | 74.7544% | 3,913 |
| Assets per employee ($millions) | 3.3461% | 5,201 |
| Cash dividends to net income (ytd only)* | 32.1987% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 2,843 |
| Loan loss allowance to noncurrent loans | 88.6514% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5205% | 3,942 |
| Noncurrent loans to loans | 1.7768% | 3,836 |
| Net loans and leases to total assets | 83.2062% | 755 |
| Net loans and leases to deposits | 108.0875% | 646 |
| Net loans and leases to core deposits | 141.6128% | 948 |
| Total domestic deposits to total assets | 76.9804% | 6,336 |
| Equity capital to assets | 9.4922% | 4,619 |
| Core capital (leverage) ratio | 9.5601% | 3,799 |
| Tier 1 risk-based capital ratio | 10.9256% | 5,960 |
| Total risk-based capital ratio | 12.1792% | 5,894 |
| Memoranda: | ||
| Average total assets | $266,690,330 | 2,471 |
| Average earning assets | $239,781,000 | 2,523 |
| Average equity | $25,403,670 | 2,610 |
| Average total loans | $230,705,330 | 2,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9904% | 2,401 |
| Cost of funding earning assets | 2.3570% | 2,481 |
| Net interest margin | 3.6333% | 4,175 |
| Noninterest income to average assets | 0.7455% | 2,629 |
| Noninterest expense to average assets | 2.9382% | 4,023 |
| Loan and lease loss provision to assets | 0.1497% | 5,013 |
| Net operating income to assets | 0.9179% | 2,623 |
| Return on assets (ROA) | 0.9134% | 2,786 |
| Pretax return on assets | 0.9118% | 3,672 |
| Return on Equity (ROE) | 9.5713% | 2,506 |
| Retained earnings to average equity (ytd only) | 7.9867% | 1,822 |
| Net charge-offs to loans | 0.2160% | 3,346 |
| Credit loss provision to net charge-offs | 79.2000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.6400% | 2,636 |
| Efficiency ratio | 73.3761% | 3,933 |
| Assets per employee ($millions) | 3.2594% | 5,424 |
| Cash dividends to net income (ytd only)* | 16.5563% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 2,952 |
| Loan loss allowance to noncurrent loans | 78.8732% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 3,395 |
| Noncurrent loans to loans | 1.9090% | 3,397 |
| Net loans and leases to total assets | 86.0254% | 445 |
| Net loans and leases to deposits | 112.9529% | 478 |
| Net loans and leases to core deposits | 148.9810% | 743 |
| Total domestic deposits to total assets | 76.1604% | 6,481 |
| Equity capital to assets | 9.6563% | 4,446 |
| Core capital (leverage) ratio | 9.5190% | 3,950 |
| Tier 1 risk-based capital ratio | 10.8713% | 6,020 |
| Total risk-based capital ratio | 12.1241% | 5,926 |
| Memoranda: | ||
| Average total assets | $264,518,500 | 2,510 |
| Average earning assets | $237,247,000 | 2,558 |
| Average equity | $25,242,000 | 2,625 |
| Average total loans | $231,495,000 | 2,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5004% | 2,958 |
| Cost of funding earning assets | 3.0120% | 1,832 |
| Net interest margin | 3.4884% | 5,333 |
| Noninterest income to average assets | 0.5909% | 3,906 |
| Noninterest expense to average assets | 3.1624% | 3,473 |
| Loan and lease loss provision to assets | 0.0418% | 6,887 |
| Net operating income to assets | 0.4909% | 4,779 |
| Return on assets (ROA) | 0.4909% | 4,609 |
| Pretax return on assets | 0.4909% | 4,998 |
| Return on Equity (ROE) | 5.2664% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.4326% | 4,362 |
| Net charge-offs to loans | 0.2540% | 3,735 |
| Credit loss provision to net charge-offs | 19.5423% | 6,582 |
| Earnings coverage of net charge-offs (x) | 2.4930% | 4,825 |
| Efficiency ratio | 85.5849% | 1,900 |
| Assets per employee ($millions) | 3.2320% | 5,391 |
| Cash dividends to net income (ytd only)* | 72.7969% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 2,660 |
| Loan loss allowance to noncurrent loans | 115.0658% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 3,879 |
| Noncurrent loans to loans | 1.3081% | 3,894 |
| Net loans and leases to total assets | 86.3702% | 559 |
| Net loans and leases to deposits | 117.3052% | 467 |
| Net loans and leases to core deposits | 155.8182% | 673 |
| Total domestic deposits to total assets | 73.6286% | 6,712 |
| Equity capital to assets | 9.4294% | 4,786 |
| Core capital (leverage) ratio | 9.4011% | 4,155 |
| Tier 1 risk-based capital ratio | 10.6180% | 6,079 |
| Total risk-based capital ratio | 11.8655% | 5,982 |
| Memoranda: | ||
| Average total assets | $265,843,600 | 2,418 |
| Average earning assets | $236,553,400 | 2,487 |
| Average equity | $24,779,800 | 2,657 |
| Average total loans | $223,638,600 | 2,096 |