Home > West Shore Bank > Performance and Condition Ratios
West Shore 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 | 5.0717% | 1,921 |
| Cost of funding earning assets | 1.4591% | 2,052 |
| Net interest margin | 3.6126% | 1,944 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.1684% | 858 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7586% | 3,018 |
| Return on assets (ROA) | 0.7156% | 3,129 |
| Pretax return on assets | 0.7879% | 3,240 |
| Return on Equity (ROE) | 10.1100% | 2,471 |
| Retained earnings to average equity (ytd only) | 7.9040% | 1,569 |
| Net charge-offs to loans | -0.0046% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.4964% | 1,210 |
| Assets per employee ($millions) | 5.9086% | 2,892 |
| Cash dividends to net income (ytd only)* | 21.7822% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 2,891 |
| Loan loss allowance to noncurrent loans | 662.1490% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,778 |
| Noncurrent loans to loans | 0.1646% | 2,697 |
| Net loans and leases to total assets | 68.2600% | 2,007 |
| Net loans and leases to deposits | 82.7266% | 1,896 |
| Net loans and leases to core deposits | 92.8065% | 1,856 |
| Total domestic deposits to total assets | 82.5100% | 3,024 |
| Equity capital to assets | 7.3793% | 3,781 |
| Core capital (leverage) ratio | 8.3881% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3491% | 2,476 |
| Memoranda: | ||
| Average total assets | $705,660,200 | 1,303 |
| Average earning assets | $638,149,600 | 1,312 |
| Average equity | $49,974,800 | 1,608 |
| Average total loans | $477,187,600 | 1,283 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 2,047 |
| Cost of funding earning assets | 1.2856% | 2,189 |
| Net interest margin | 3.6199% | 1,949 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 3.2110% | 804 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7173% | 3,270 |
| Return on assets (ROA) | 0.6598% | 3,395 |
| Pretax return on assets | 0.7234% | 3,501 |
| Return on Equity (ROE) | 9.4200% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.1749% | 2,230 |
| Net charge-offs to loans | -0.0048% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.5993% | 1,040 |
| Assets per employee ($millions) | 5.8918% | 2,844 |
| Cash dividends to net income (ytd only)* | 23.8123% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 2,880 |
| Loan loss allowance to noncurrent loans | 1,709.1483% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,344 |
| Noncurrent loans to loans | 0.0642% | 3,295 |
| Net loans and leases to total assets | 65.8300% | 2,259 |
| Net loans and leases to deposits | 78.9784% | 2,147 |
| Net loans and leases to core deposits | 87.8183% | 2,062 |
| Total domestic deposits to total assets | 83.3500% | 2,949 |
| Equity capital to assets | 6.6195% | 3,788 |
| Core capital (leverage) ratio | 8.4169% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2274% | 2,538 |
| Memoranda: | ||
| Average total assets | $701,862,750 | 1,306 |
| Average earning assets | $633,892,750 | 1,317 |
| Average equity | $49,170,000 | 1,617 |
| Average total loans | $472,120,500 | 1,290 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,967 |
| Cost of funding earning assets | 1.0849% | 2,337 |
| Net interest margin | 3.7267% | 1,766 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 3.2762% | 706 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7229% | 3,288 |
| Return on assets (ROA) | 0.6351% | 3,507 |
| Pretax return on assets | 0.7002% | 3,603 |
| Return on Equity (ROE) | 8.8900% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.6450% | 2,397 |
| Net charge-offs to loans | -0.0052% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.4730% | 1,044 |
| Assets per employee ($millions) | 5.3055% | 3,324 |
| Cash dividends to net income (ytd only)* | 25.2516% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 2,801 |
| Loan loss allowance to noncurrent loans | 1,696.5409% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,184 |
| Noncurrent loans to loans | 0.0665% | 3,224 |
| Net loans and leases to total assets | 68.5300% | 1,911 |
| Net loans and leases to deposits | 87.4186% | 1,391 |
| Net loans and leases to core deposits | 95.4795% | 1,493 |
| Total domestic deposits to total assets | 78.3900% | 3,799 |
| Equity capital to assets | 7.1810% | 3,700 |
| Core capital (leverage) ratio | 8.6376% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3624% | 2,517 |
| Memoranda: | ||
| Average total assets | $688,363,000 | 1,317 |
| Average earning assets | $620,491,333 | 1,342 |
| Average equity | $49,179,667 | 1,617 |
| Average total loans | $464,797,333 | 1,294 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 2,055 |
| Cost of funding earning assets | 0.7983% | 2,747 |
| Net interest margin | 3.8149% | 1,657 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.3637% | 639 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7163% | 3,430 |
| Return on assets (ROA) | 0.5444% | 3,766 |
| Pretax return on assets | 0.6113% | 3,824 |
| Return on Equity (ROE) | 7.6400% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.3872% | 2,927 |
| Net charge-offs to loans | -0.0105% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1207% | 991 |
| Assets per employee ($millions) | 5.5171% | 3,205 |
| Cash dividends to net income (ytd only)* | 29.4872% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 2,904 |
| Loan loss allowance to noncurrent loans | 1,230.2326% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 1,544 |
| Noncurrent loans to loans | 0.0918% | 3,090 |
| Net loans and leases to total assets | 67.1200% | 1,936 |
| Net loans and leases to deposits | 81.6017% | 1,691 |
| Net loans and leases to core deposits | 87.5166% | 1,772 |
| Total domestic deposits to total assets | 82.2600% | 3,442 |
| Equity capital to assets | 7.3008% | 3,673 |
| Core capital (leverage) ratio | 8.5407% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5058% | 2,568 |
| Memoranda: | ||
| Average total assets | $687,689,500 | 1,332 |
| Average earning assets | $620,308,500 | 1,361 |
| Average equity | $49,005,500 | 1,637 |
| Average total loans | $458,181,000 | 1,321 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 2,543 |
| Cost of funding earning assets | 0.1552% | 4,100 |
| Net interest margin | 3.5373% | 1,815 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.2027% | 721 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6590% | 3,736 |
| Return on assets (ROA) | 0.6587% | 3,688 |
| Pretax return on assets | 0.7245% | 3,802 |
| Return on Equity (ROE) | 9.2500% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.0450% | 2,224 |
| Net charge-offs to loans | 0.0214% | 1,647 |
| Credit loss provision to net charge-offs | 289.7727% | 926 |
| Earnings coverage of net charge-offs (x) | 60.9886% | 1,247 |
| Efficiency ratio | 78.5405% | 818 |
| Assets per employee ($millions) | 5.5751% | 3,146 |
| Cash dividends to net income (ytd only)* | 23.8700% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,552 |
| Loan loss allowance to noncurrent loans | 1,490.8571% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 1,593 |
| Noncurrent loans to loans | 0.0781% | 3,201 |
| Net loans and leases to total assets | 64.5900% | 2,188 |
| Net loans and leases to deposits | 78.1369% | 1,934 |
| Net loans and leases to core deposits | 83.1723% | 1,921 |
| Total domestic deposits to total assets | 82.6700% | 3,495 |
| Equity capital to assets | 6.9505% | 3,696 |
| Core capital (leverage) ratio | 8.5177% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7156% | 2,484 |
| Memoranda: | ||
| Average total assets | $705,287,800 | 1,300 |
| Average earning assets | $639,110,400 | 1,319 |
| Average equity | $50,206,000 | 1,618 |
| Average total loans | $411,389,400 | 1,357 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 2,676 |
| Cost of funding earning assets | 0.1140% | 4,167 |
| Net interest margin | 3.3680% | 2,075 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 3.1591% | 722 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5917% | 3,852 |
| Return on assets (ROA) | 0.5914% | 3,813 |
| Pretax return on assets | 0.6571% | 3,888 |
| Return on Equity (ROE) | 8.2600% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.0762% | 2,727 |
| Net charge-offs to loans | 0.0146% | 1,583 |
| Credit loss provision to net charge-offs | 477.2727% | 629 |
| Earnings coverage of net charge-offs (x) | 84.3636% | 1,019 |
| Efficiency ratio | 79.5365% | 800 |
| Assets per employee ($millions) | 5.5062% | 3,212 |
| Cash dividends to net income (ytd only)* | 26.4444% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,496 |
| Loan loss allowance to noncurrent loans | 1,883.3935% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 1,760 |
| Noncurrent loans to loans | 0.0640% | 3,415 |
| Net loans and leases to total assets | 60.6500% | 2,433 |
| Net loans and leases to deposits | 67.3676% | 2,595 |
| Net loans and leases to core deposits | 68.1811% | 2,790 |
| Total domestic deposits to total assets | 90.0300% | 1,647 |
| Equity capital to assets | 6.4093% | 3,787 |
| Core capital (leverage) ratio | 7.9343% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6421% | 2,606 |
| Memoranda: | ||
| Average total assets | $710,175,250 | 1,306 |
| Average earning assets | $644,449,750 | 1,321 |
| Average equity | $50,842,000 | 1,627 |
| Average total loans | $402,196,500 | 1,377 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2589% | 2,876 |
| Cost of funding earning assets | 0.1196% | 3,965 |
| Net interest margin | 3.1393% | 2,403 |
| Noninterest income to average assets | 0.8489% | 944 |
| Noninterest expense to average assets | 3.1291% | 700 |
| Loan and lease loss provision to assets | 0.0351% | 1,949 |
| Net operating income to assets | 0.4755% | 3,957 |
| Return on assets (ROA) | 0.4750% | 3,908 |
| Pretax return on assets | 0.5377% | 3,944 |
| Return on Equity (ROE) | 6.4136% | 3,470 |
| Retained earnings to average equity (ytd only) | 4.3010% | 2,972 |
| Net charge-offs to loans | 0.0230% | 1,266 |
| Credit loss provision to net charge-offs | 277.7778% | 827 |
| Earnings coverage of net charge-offs (x) | 45.3556% | 1,201 |
| Efficiency ratio | 82.0941% | 791 |
| Assets per employee ($millions) | 5.5669% | 3,155 |
| Cash dividends to net income (ytd only)* | 32.9391% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,507 |
| Loan loss allowance to noncurrent loans | 716.7598% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 1,598 |
| Noncurrent loans to loans | 0.1721% | 2,836 |
| Net loans and leases to total assets | 56.7655% | 2,670 |
| Net loans and leases to deposits | 66.6854% | 2,493 |
| Net loans and leases to core deposits | 67.8534% | 2,667 |
| Total domestic deposits to total assets | 85.1243% | 3,460 |
| Equity capital to assets | 6.6080% | 3,972 |
| Core capital (leverage) ratio | 7.9019% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6433% | 2,637 |
| Memoranda: | ||
| Average total assets | $711,970,667 | 1,306 |
| Average earning assets | $647,141,333 | 1,333 |
| Average equity | $52,732,000 | 1,613 |
| Average total loans | $392,040,000 | 1,405 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1361% | 2,863 |
| Cost of funding earning assets | 0.1236% | 3,858 |
| Net interest margin | 3.0126% | 2,464 |
| Noninterest income to average assets | 1.0225% | 656 |
| Noninterest expense to average assets | 3.1848% | 616 |
| Loan and lease loss provision to assets | 0.0255% | 1,905 |
| Net operating income to assets | 0.4762% | 3,768 |
| Return on assets (ROA) | 0.4753% | 3,740 |
| Pretax return on assets | 0.5597% | 3,732 |
| Return on Equity (ROE) | 6.0811% | 3,329 |
| Retained earnings to average equity (ytd only) | 4.0154% | 2,931 |
| Net charge-offs to loans | 0.0137% | 1,274 |
| Credit loss provision to net charge-offs | 346.1538% | 625 |
| Earnings coverage of net charge-offs (x) | 79.6154% | 746 |
| Efficiency ratio | 82.7400% | 932 |
| Assets per employee ($millions) | 5.4995% | 3,319 |
| Cash dividends to net income (ytd only)* | 33.9690% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 2,323 |
| Loan loss allowance to noncurrent loans | 551.9001% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 1,550 |
| Noncurrent loans to loans | 0.2369% | 2,645 |
| Net loans and leases to total assets | 54.5032% | 2,694 |
| Net loans and leases to deposits | 65.1456% | 2,417 |
| Net loans and leases to core deposits | 66.4469% | 2,589 |
| Total domestic deposits to total assets | 83.6636% | 3,837 |
| Equity capital to assets | 7.4471% | 3,968 |
| Core capital (leverage) ratio | 8.0011% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5204% | 2,408 |
| Memoranda: | ||
| Average total assets | $706,105,000 | 1,315 |
| Average earning assets | $644,237,000 | 1,339 |
| Average equity | $55,187,000 | 1,594 |
| Average total loans | $380,087,500 | 1,430 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3999% | 2,930 |
| Cost of funding earning assets | 0.2005% | 3,456 |
| Net interest margin | 3.1995% | 2,596 |
| Noninterest income to average assets | 1.3783% | 575 |
| Noninterest expense to average assets | 3.3893% | 560 |
| Loan and lease loss provision to assets | 0.0694% | 1,687 |
| Net operating income to assets | 0.7498% | 3,489 |
| Return on assets (ROA) | 0.7494% | 3,555 |
| Pretax return on assets | 0.8508% | 3,623 |
| Return on Equity (ROE) | 9.5331% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.2261% | 1,834 |
| Net charge-offs to loans | -0.0045% | 3,532 |
| Credit loss provision to net charge-offs | -2,588.2353% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5652% | 1,248 |
| Assets per employee ($millions) | 5.4067% | 3,347 |
| Cash dividends to net income (ytd only)* | 24.1997% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,094 |
| Loan loss allowance to noncurrent loans | 174.6542% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 1,556 |
| Noncurrent loans to loans | 0.7786% | 1,311 |
| Net loans and leases to total assets | 51.7277% | 3,099 |
| Net loans and leases to deposits | 62.5608% | 2,831 |
| Net loans and leases to core deposits | 64.1726% | 2,970 |
| Total domestic deposits to total assets | 82.6838% | 3,860 |
| Equity capital to assets | 8.1820% | 4,246 |
| Core capital (leverage) ratio | 8.0995% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6497% | 1,997 |
| Memoranda: | ||
| Average total assets | $633,607,200 | 1,393 |
| Average earning assets | $580,598,800 | 1,411 |
| Average equity | $49,805,600 | 1,772 |
| Average total loans | $374,893,400 | 1,442 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 2,779 |
| Cost of funding earning assets | 0.2203% | 3,422 |
| Net interest margin | 3.2957% | 2,428 |
| Noninterest income to average assets | 1.4614% | 565 |
| Noninterest expense to average assets | 3.4218% | 514 |
| Loan and lease loss provision to assets | 0.0955% | 1,250 |
| Net operating income to assets | 0.8548% | 3,377 |
| Return on assets (ROA) | 0.8543% | 3,440 |
| Pretax return on assets | 0.9599% | 3,564 |
| Return on Equity (ROE) | 10.9970% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.5883% | 1,842 |
| Net charge-offs to loans | -0.0057% | 3,474 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4482% | 1,366 |
| Assets per employee ($millions) | 5.3601% | 3,340 |
| Cash dividends to net income (ytd only)* | 21.9036% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,271 |
| Loan loss allowance to noncurrent loans | 170.1246% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 1,648 |
| Noncurrent loans to loans | 0.7882% | 1,432 |
| Net loans and leases to total assets | 52.9265% | 3,093 |
| Net loans and leases to deposits | 63.3466% | 2,919 |
| Net loans and leases to core deposits | 65.1355% | 3,028 |
| Total domestic deposits to total assets | 83.5506% | 3,572 |
| Equity capital to assets | 6.9181% | 4,826 |
| Core capital (leverage) ratio | 7.1126% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3000% | 2,903 |
| Memoranda: | ||
| Average total assets | $614,940,750 | 1,438 |
| Average earning assets | $562,822,750 | 1,464 |
| Average equity | $47,769,250 | 1,852 |
| Average total loans | $375,760,750 | 1,466 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 2,616 |
| Cost of funding earning assets | 0.2513% | 3,270 |
| Net interest margin | 3.3488% | 2,304 |
| Noninterest income to average assets | 1.6792% | 436 |
| Noninterest expense to average assets | 3.5169% | 457 |
| Loan and lease loss provision to assets | 0.1366% | 895 |
| Net operating income to assets | 0.9790% | 2,964 |
| Return on assets (ROA) | 0.9780% | 3,055 |
| Pretax return on assets | 1.0866% | 3,259 |
| Return on Equity (ROE) | 12.0632% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.6295% | 1,516 |
| Net charge-offs to loans | -0.0107% | 3,694 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0749% | 1,627 |
| Assets per employee ($millions) | 4.7518% | 3,883 |
| Cash dividends to net income (ytd only)* | 20.1745% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,321 |
| Loan loss allowance to noncurrent loans | 177.6400% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 1,637 |
| Noncurrent loans to loans | 0.7450% | 1,604 |
| Net loans and leases to total assets | 61.4503% | 2,244 |
| Net loans and leases to deposits | 70.7818% | 2,332 |
| Net loans and leases to core deposits | 73.4728% | 2,462 |
| Total domestic deposits to total assets | 86.8164% | 2,416 |
| Equity capital to assets | 7.9673% | 4,554 |
| Core capital (leverage) ratio | 7.5742% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7117% | 2,804 |
| Memoranda: | ||
| Average total assets | $585,862,333 | 1,486 |
| Average earning assets | $535,657,667 | 1,512 |
| Average equity | $47,500,000 | 1,853 |
| Average total loans | $375,451,667 | 1,472 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5460% | 2,794 |
| Cost of funding earning assets | 0.2694% | 3,281 |
| Net interest margin | 3.2765% | 2,461 |
| Noninterest income to average assets | 2.0394% | 362 |
| Noninterest expense to average assets | 3.9786% | 290 |
| Loan and lease loss provision to assets | 0.2088% | 574 |
| Net operating income to assets | 0.7711% | 3,508 |
| Return on assets (ROA) | 0.7698% | 3,583 |
| Pretax return on assets | 0.8554% | 3,705 |
| Return on Equity (ROE) | 9.4088% | 2,888 |
| Retained earnings to average equity (ytd only) | 6.9502% | 2,591 |
| Net charge-offs to loans | -0.0150% | 3,856 |
| Credit loss provision to net charge-offs | -2,142.8571% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6930% | 1,251 |
| Assets per employee ($millions) | 4.4486% | 4,151 |
| Cash dividends to net income (ytd only)* | 26.1302% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,429 |
| Loan loss allowance to noncurrent loans | 184.3351% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 1,887 |
| Noncurrent loans to loans | 0.7061% | 1,827 |
| Net loans and leases to total assets | 62.8861% | 2,184 |
| Net loans and leases to deposits | 72.8291% | 2,233 |
| Net loans and leases to core deposits | 75.7426% | 2,375 |
| Total domestic deposits to total assets | 86.3476% | 2,604 |
| Equity capital to assets | 7.9640% | 4,511 |
| Core capital (leverage) ratio | 7.6402% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9896% | 2,671 |
| Memoranda: | ||
| Average total assets | $574,676,000 | 1,501 |
| Average earning assets | $527,023,000 | 1,522 |
| Average equity | $47,020,000 | 1,858 |
| Average total loans | $373,790,000 | 1,479 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,453 |
| Cost of funding earning assets | 0.4402% | 3,346 |
| Net interest margin | 3.6492% | 1,981 |
| Noninterest income to average assets | 1.9084% | 353 |
| Noninterest expense to average assets | 4.1490% | 326 |
| Loan and lease loss provision to assets | 0.3515% | 983 |
| Net operating income to assets | 0.6850% | 3,479 |
| Return on assets (ROA) | 0.7433% | 3,411 |
| Pretax return on assets | 0.8249% | 3,567 |
| Return on Equity (ROE) | 8.3977% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.7639% | 1,918 |
| Net charge-offs to loans | 0.0163% | 2,771 |
| Credit loss provision to net charge-offs | 3,000.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 94.8833% | 814 |
| Efficiency ratio | 75.2580% | 1,306 |
| Assets per employee ($millions) | 4.3913% | 4,021 |
| Cash dividends to net income (ytd only)* | 31.3633% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,749 |
| Loan loss allowance to noncurrent loans | 160.9107% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 1,889 |
| Noncurrent loans to loans | 0.7704% | 1,786 |
| Net loans and leases to total assets | 65.6289% | 2,145 |
| Net loans and leases to deposits | 76.2721% | 2,256 |
| Net loans and leases to core deposits | 79.8138% | 2,384 |
| Total domestic deposits to total assets | 86.0457% | 2,346 |
| Equity capital to assets | 8.4132% | 4,505 |
| Core capital (leverage) ratio | 7.7925% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8022% | 2,701 |
| Memoranda: | ||
| Average total assets | $512,153,000 | 1,513 |
| Average earning assets | $470,456,200 | 1,536 |
| Average equity | $45,333,800 | 1,838 |
| Average total loans | $367,634,200 | 1,458 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 2,748 |
| Cost of funding earning assets | 0.4858% | 3,318 |
| Net interest margin | 3.5885% | 2,311 |
| Noninterest income to average assets | 1.8856% | 344 |
| Noninterest expense to average assets | 4.1221% | 340 |
| Loan and lease loss provision to assets | 0.3461% | 1,106 |
| Net operating income to assets | 0.6665% | 3,574 |
| Return on assets (ROA) | 0.7487% | 3,394 |
| Pretax return on assets | 0.8057% | 3,630 |
| Return on Equity (ROE) | 8.3433% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.7649% | 2,201 |
| Net charge-offs to loans | 0.0185% | 2,487 |
| Credit loss provision to net charge-offs | 2,549.0196% | 399 |
| Earnings coverage of net charge-offs (x) | 78.3137% | 933 |
| Efficiency ratio | 75.8318% | 1,220 |
| Assets per employee ($millions) | 4.3977% | 3,958 |
| Cash dividends to net income (ytd only)* | 30.9033% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,375 |
| Loan loss allowance to noncurrent loans | 422.1193% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 3,411 |
| Noncurrent loans to loans | 0.2528% | 3,398 |
| Net loans and leases to total assets | 67.5662% | 2,301 |
| Net loans and leases to deposits | 77.8482% | 2,547 |
| Net loans and leases to core deposits | 81.5883% | 2,689 |
| Total domestic deposits to total assets | 86.7922% | 1,738 |
| Equity capital to assets | 8.2614% | 4,596 |
| Core capital (leverage) ratio | 8.1199% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9291% | 2,643 |
| Memoranda: | ||
| Average total assets | $500,768,250 | 1,525 |
| Average earning assets | $460,498,500 | 1,542 |
| Average equity | $44,937,250 | 1,840 |
| Average total loans | $366,892,500 | 1,453 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 2,802 |
| Cost of funding earning assets | 0.5624% | 3,170 |
| Net interest margin | 3.6242% | 2,402 |
| Noninterest income to average assets | 1.7031% | 366 |
| Noninterest expense to average assets | 4.0566% | 385 |
| Loan and lease loss provision to assets | 0.2500% | 1,682 |
| Net operating income to assets | 0.6798% | 3,466 |
| Return on assets (ROA) | 0.6837% | 3,553 |
| Pretax return on assets | 0.7349% | 3,783 |
| Return on Equity (ROE) | 7.3894% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.7777% | 2,574 |
| Net charge-offs to loans | 0.0283% | 2,150 |
| Credit loss provision to net charge-offs | 1,176.4706% | 711 |
| Earnings coverage of net charge-offs (x) | 46.1569% | 1,160 |
| Efficiency ratio | 76.8257% | 1,181 |
| Assets per employee ($millions) | 4.2107% | 4,094 |
| Cash dividends to net income (ytd only)* | 35.3443% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,111 |
| Loan loss allowance to noncurrent loans | 137.1475% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,289 |
| Noncurrent loans to loans | 0.6367% | 2,271 |
| Net loans and leases to total assets | 74.0024% | 1,412 |
| Net loans and leases to deposits | 93.9527% | 971 |
| Net loans and leases to core deposits | 99.9142% | 1,260 |
| Total domestic deposits to total assets | 78.7655% | 4,071 |
| Equity capital to assets | 8.7972% | 4,265 |
| Core capital (leverage) ratio | 8.4141% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5931% | 2,776 |
| Memoranda: | ||
| Average total assets | $480,056,333 | 1,557 |
| Average earning assets | $441,642,667 | 1,570 |
| Average equity | $44,415,000 | 1,845 |
| Average total loans | $361,044,667 | 1,456 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,686 |
| Cost of funding earning assets | 0.6424% | 3,206 |
| Net interest margin | 3.7379% | 2,187 |
| Noninterest income to average assets | 1.4640% | 422 |
| Noninterest expense to average assets | 4.0913% | 457 |
| Loan and lease loss provision to assets | 0.0349% | 3,331 |
| Net operating income to assets | 0.7214% | 3,197 |
| Return on assets (ROA) | 0.7311% | 3,250 |
| Pretax return on assets | 0.7860% | 3,446 |
| Return on Equity (ROE) | 7.6874% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.0302% | 2,266 |
| Net charge-offs to loans | 0.0762% | 1,259 |
| Credit loss provision to net charge-offs | 60.6061% | 2,016 |
| Earnings coverage of net charge-offs (x) | 14.0909% | 1,619 |
| Efficiency ratio | 80.1956% | 1,118 |
| Assets per employee ($millions) | 3.6744% | 4,305 |
| Cash dividends to net income (ytd only)* | 34.5650% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 4,361 |
| Loan loss allowance to noncurrent loans | 113.6145% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 2,165 |
| Noncurrent loans to loans | 0.7208% | 2,193 |
| Net loans and leases to total assets | 75.1949% | 1,427 |
| Net loans and leases to deposits | 93.4964% | 1,124 |
| Net loans and leases to core deposits | 100.6392% | 1,424 |
| Total domestic deposits to total assets | 80.4255% | 3,773 |
| Equity capital to assets | 9.5194% | 4,206 |
| Core capital (leverage) ratio | 8.9447% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7883% | 2,804 |
| Memoranda: | ||
| Average total assets | $459,018,500 | 1,571 |
| Average earning assets | $422,158,000 | 1,593 |
| Average equity | $43,656,000 | 1,859 |
| Average total loans | $346,670,000 | 1,464 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 3,066 |
| Cost of funding earning assets | 0.6939% | 3,188 |
| Net interest margin | 3.7712% | 2,604 |
| Noninterest income to average assets | 1.2763% | 581 |
| Noninterest expense to average assets | 3.9579% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7251% | 3,782 |
| Return on assets (ROA) | 0.7744% | 3,711 |
| Pretax return on assets | 0.8338% | 3,911 |
| Return on Equity (ROE) | 8.4619% | 2,956 |
| Retained earnings to average equity (ytd only) | 5.6120% | 2,096 |
| Net charge-offs to loans | 0.0531% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.2938% | 1,945 |
| Efficiency ratio | 80.7990% | 879 |
| Assets per employee ($millions) | 3.7594% | 4,203 |
| Cash dividends to net income (ytd only)* | 33.6795% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 4,242 |
| Loan loss allowance to noncurrent loans | 93.7295% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,763 |
| Noncurrent loans to loans | 0.8755% | 1,749 |
| Net loans and leases to total assets | 74.6194% | 1,646 |
| Net loans and leases to deposits | 92.2280% | 1,343 |
| Net loans and leases to core deposits | 100.2799% | 1,540 |
| Total domestic deposits to total assets | 80.9076% | 3,789 |
| Equity capital to assets | 9.5022% | 4,353 |
| Core capital (leverage) ratio | 8.7880% | 4,673 |
| Tier 1 risk-based capital ratio | 11.8264% | 4,462 |
| Total risk-based capital ratio | 12.6518% | 4,558 |
| Memoranda: | ||
| Average total assets | $460,071,400 | 1,519 |
| Average earning assets | $422,381,000 | 1,536 |
| Average equity | $42,106,400 | 1,851 |
| Average total loans | $333,053,400 | 1,490 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 3,233 |
| Cost of funding earning assets | 0.6931% | 3,247 |
| Net interest margin | 3.7492% | 2,756 |
| Noninterest income to average assets | 1.2358% | 596 |
| Noninterest expense to average assets | 3.9272% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7155% | 3,965 |
| Return on assets (ROA) | 0.7553% | 3,900 |
| Pretax return on assets | 0.7907% | 4,136 |
| Return on Equity (ROE) | 8.3331% | 3,182 |
| Retained earnings to average equity (ytd only) | 5.4263% | 2,658 |
| Net charge-offs to loans | 0.0591% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.6851% | 2,079 |
| Efficiency ratio | 81.3539% | 807 |
| Assets per employee ($millions) | 4.0082% | 3,891 |
| Cash dividends to net income (ytd only)* | 34.8829% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,255 |
| Loan loss allowance to noncurrent loans | 242.7250% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,292 |
| Noncurrent loans to loans | 0.3485% | 3,287 |
| Net loans and leases to total assets | 69.7588% | 2,505 |
| Net loans and leases to deposits | 86.7342% | 2,103 |
| Net loans and leases to core deposits | 93.9617% | 2,184 |
| Total domestic deposits to total assets | 80.4282% | 3,884 |
| Equity capital to assets | 8.9249% | 4,815 |
| Core capital (leverage) ratio | 8.7298% | 4,809 |
| Tier 1 risk-based capital ratio | 11.8351% | 4,497 |
| Total risk-based capital ratio | 12.6846% | 4,603 |
| Memoranda: | ||
| Average total assets | $459,487,000 | 1,531 |
| Average earning assets | $421,664,500 | 1,547 |
| Average equity | $41,648,250 | 1,869 |
| Average total loans | $329,341,250 | 1,515 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 3,074 |
| Cost of funding earning assets | 0.7074% | 3,129 |
| Net interest margin | 3.7725% | 2,681 |
| Noninterest income to average assets | 1.0768% | 732 |
| Noninterest expense to average assets | 3.8658% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6496% | 4,168 |
| Return on assets (ROA) | 0.7104% | 4,029 |
| Pretax return on assets | 0.7415% | 4,234 |
| Return on Equity (ROE) | 7.7951% | 3,379 |
| Retained earnings to average equity (ytd only) | 4.7929% | 2,872 |
| Net charge-offs to loans | 0.0098% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 95.5625% | 722 |
| Efficiency ratio | 82.9494% | 733 |
| Assets per employee ($millions) | 3.4127% | 4,590 |
| Cash dividends to net income (ytd only)* | 38.5144% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,024 |
| Loan loss allowance to noncurrent loans | 143.8245% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 2,372 |
| Noncurrent loans to loans | 0.6376% | 2,344 |
| Net loans and leases to total assets | 73.4483% | 1,976 |
| Net loans and leases to deposits | 93.9670% | 1,265 |
| Net loans and leases to core deposits | 103.4046% | 1,434 |
| Total domestic deposits to total assets | 78.1639% | 4,362 |
| Equity capital to assets | 9.5606% | 4,346 |
| Core capital (leverage) ratio | 8.6884% | 4,854 |
| Tier 1 risk-based capital ratio | 12.1309% | 4,342 |
| Total risk-based capital ratio | 13.0580% | 4,416 |
| Memoranda: | ||
| Average total assets | $450,984,670 | 1,562 |
| Average earning assets | $414,472,670 | 1,574 |
| Average equity | $41,102,670 | 1,889 |
| Average total loans | $325,384,330 | 1,536 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 3,277 |
| Cost of funding earning assets | 0.6377% | 3,364 |
| Net interest margin | 3.7506% | 2,709 |
| Noninterest income to average assets | 0.9317% | 966 |
| Noninterest expense to average assets | 3.6925% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6606% | 4,061 |
| Return on assets (ROA) | 0.6581% | 4,103 |
| Pretax return on assets | 0.6880% | 4,327 |
| Return on Equity (ROE) | 7.3975% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.5196% | 3,113 |
| Net charge-offs to loans | -0.0012% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3565% | 839 |
| Assets per employee ($millions) | 3.7964% | 4,198 |
| Cash dividends to net income (ytd only)* | 38.9037% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 4,008 |
| Loan loss allowance to noncurrent loans | 157.6403% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 2,526 |
| Noncurrent loans to loans | 0.5951% | 2,557 |
| Net loans and leases to total assets | 69.7187% | 2,528 |
| Net loans and leases to deposits | 88.0283% | 1,867 |
| Net loans and leases to core deposits | 97.4673% | 1,820 |
| Total domestic deposits to total assets | 79.2003% | 4,321 |
| Equity capital to assets | 8.9670% | 4,706 |
| Core capital (leverage) ratio | 8.6075% | 4,943 |
| Tier 1 risk-based capital ratio | 11.9348% | 4,496 |
| Total risk-based capital ratio | 12.8659% | 4,560 |
| Memoranda: | ||
| Average total assets | $454,649,500 | 1,562 |
| Average earning assets | $418,388,500 | 1,563 |
| Average equity | $40,446,000 | 1,915 |
| Average total loans | $323,640,000 | 1,553 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 3,367 |
| Cost of funding earning assets | 0.5351% | 3,143 |
| Net interest margin | 3.6915% | 3,067 |
| Noninterest income to average assets | 1.0918% | 777 |
| Noninterest expense to average assets | 3.6709% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7736% | 3,901 |
| Return on assets (ROA) | 0.7667% | 3,925 |
| Pretax return on assets | 0.8061% | 4,153 |
| Return on Equity (ROE) | 8.7793% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.6884% | 2,368 |
| Net charge-offs to loans | 0.0564% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.3886% | 2,005 |
| Efficiency ratio | 79.8831% | 972 |
| Assets per employee ($millions) | 3.7810% | 4,210 |
| Cash dividends to net income (ytd only)* | 35.2067% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 4,016 |
| Loan loss allowance to noncurrent loans | 145.6292% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 2,416 |
| Noncurrent loans to loans | 0.6426% | 2,380 |
| Net loans and leases to total assets | 71.3330% | 2,373 |
| Net loans and leases to deposits | 89.4159% | 1,875 |
| Net loans and leases to core deposits | 99.0055% | 1,790 |
| Total domestic deposits to total assets | 79.7767% | 4,154 |
| Equity capital to assets | 8.8237% | 4,718 |
| Core capital (leverage) ratio | 8.6878% | 4,890 |
| Tier 1 risk-based capital ratio | 11.8766% | 4,515 |
| Total risk-based capital ratio | 12.8146% | 4,593 |
| Memoranda: | ||
| Average total assets | $438,643,800 | 1,567 |
| Average earning assets | $403,110,800 | 1,576 |
| Average equity | $38,305,800 | 1,926 |
| Average total loans | $310,194,400 | 1,554 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 3,382 |
| Cost of funding earning assets | 0.5089% | 3,137 |
| Net interest margin | 3.6714% | 3,115 |
| Noninterest income to average assets | 1.0588% | 845 |
| Noninterest expense to average assets | 3.6222% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7686% | 4,017 |
| Return on assets (ROA) | 0.7593% | 4,055 |
| Pretax return on assets | 0.8018% | 4,288 |
| Return on Equity (ROE) | 8.7184% | 3,231 |
| Retained earnings to average equity (ytd only) | 4.5594% | 3,472 |
| Net charge-offs to loans | 0.0552% | 2,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.8896% | 1,938 |
| Efficiency ratio | 79.6936% | 975 |
| Assets per employee ($millions) | 3.8172% | 4,156 |
| Cash dividends to net income (ytd only)* | 47.7036% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,967 |
| Loan loss allowance to noncurrent loans | 204.9235% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 3,018 |
| Noncurrent loans to loans | 0.4715% | 2,975 |
| Net loans and leases to total assets | 70.0893% | 2,631 |
| Net loans and leases to deposits | 84.3300% | 2,559 |
| Net loans and leases to core deposits | 92.5345% | 2,430 |
| Total domestic deposits to total assets | 83.1131% | 3,261 |
| Equity capital to assets | 8.4762% | 4,939 |
| Core capital (leverage) ratio | 8.4945% | 5,098 |
| Tier 1 risk-based capital ratio | 11.7166% | 4,661 |
| Total risk-based capital ratio | 12.6795% | 4,709 |
| Memoranda: | ||
| Average total assets | $435,820,750 | 1,584 |
| Average earning assets | $400,632,500 | 1,595 |
| Average equity | $37,957,000 | 1,945 |
| Average total loans | $306,746,750 | 1,572 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,304 |
| Cost of funding earning assets | 0.4575% | 3,305 |
| Net interest margin | 3.6850% | 2,990 |
| Noninterest income to average assets | 1.0688% | 842 |
| Noninterest expense to average assets | 3.6208% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7895% | 3,890 |
| Return on assets (ROA) | 0.7755% | 3,938 |
| Pretax return on assets | 0.8238% | 4,185 |
| Return on Equity (ROE) | 8.8219% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.5698% | 2,786 |
| Net charge-offs to loans | 0.0654% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.2525% | 1,909 |
| Efficiency ratio | 79.1966% | 1,095 |
| Assets per employee ($millions) | 3.5614% | 4,515 |
| Cash dividends to net income (ytd only)* | 36.8642% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,924 |
| Loan loss allowance to noncurrent loans | 164.0971% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 2,677 |
| Noncurrent loans to loans | 0.6016% | 2,614 |
| Net loans and leases to total assets | 71.1588% | 2,416 |
| Net loans and leases to deposits | 92.1415% | 1,567 |
| Net loans and leases to core deposits | 101.9827% | 1,565 |
| Total domestic deposits to total assets | 77.2277% | 4,702 |
| Equity capital to assets | 8.7161% | 4,785 |
| Core capital (leverage) ratio | 8.6312% | 5,012 |
| Tier 1 risk-based capital ratio | 11.7765% | 4,635 |
| Total risk-based capital ratio | 12.7616% | 4,677 |
| Memoranda: | ||
| Average total assets | $430,952,000 | 1,607 |
| Average earning assets | $396,531,000 | 1,618 |
| Average equity | $37,883,000 | 1,952 |
| Average total loans | $302,735,330 | 1,591 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,222 |
| Cost of funding earning assets | 0.3829% | 3,711 |
| Net interest margin | 3.7218% | 2,720 |
| Noninterest income to average assets | 1.0763% | 794 |
| Noninterest expense to average assets | 3.6490% | 821 |
| Loan and lease loss provision to assets | 0.0515% | 2,747 |
| Net operating income to assets | 0.7448% | 3,921 |
| Return on assets (ROA) | 0.7422% | 3,937 |
| Pretax return on assets | 0.8021% | 4,143 |
| Return on Equity (ROE) | 8.4062% | 3,189 |
| Retained earnings to average equity (ytd only) | 2.4063% | 4,206 |
| Net charge-offs to loans | 0.0715% | 1,406 |
| Credit loss provision to net charge-offs | 103.7736% | 1,505 |
| Earnings coverage of net charge-offs (x) | 17.2642% | 1,592 |
| Efficiency ratio | 79.0818% | 1,250 |
| Assets per employee ($millions) | 3.7492% | 4,350 |
| Cash dividends to net income (ytd only)* | 71.3745% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,552 |
| Loan loss allowance to noncurrent loans | 177.3481% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 2,874 |
| Noncurrent loans to loans | 0.6032% | 2,739 |
| Net loans and leases to total assets | 68.2556% | 2,736 |
| Net loans and leases to deposits | 88.8728% | 1,826 |
| Net loans and leases to core deposits | 98.7367% | 1,786 |
| Total domestic deposits to total assets | 76.8015% | 4,881 |
| Equity capital to assets | 8.6093% | 4,893 |
| Core capital (leverage) ratio | 8.4999% | 5,139 |
| Tier 1 risk-based capital ratio | 11.9415% | 4,579 |
| Total risk-based capital ratio | 12.9928% | 4,601 |
| Memoranda: | ||
| Average total assets | $427,403,000 | 1,626 |
| Average earning assets | $393,792,000 | 1,634 |
| Average equity | $37,734,000 | 1,966 |
| Average total loans | $296,693,500 | 1,620 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,425 |
| Cost of funding earning assets | 0.3128% | 4,016 |
| Net interest margin | 3.6803% | 2,879 |
| Noninterest income to average assets | 0.8832% | 1,317 |
| Noninterest expense to average assets | 3.2471% | 1,513 |
| Loan and lease loss provision to assets | 0.0465% | 3,304 |
| Net operating income to assets | 0.7962% | 3,178 |
| Return on assets (ROA) | 0.8046% | 3,179 |
| Pretax return on assets | 0.9927% | 3,603 |
| Return on Equity (ROE) | 9.2678% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.1650% | 1,454 |
| Net charge-offs to loans | 0.0670% | 2,508 |
| Credit loss provision to net charge-offs | 104.7619% | 2,455 |
| Earnings coverage of net charge-offs (x) | 23.2011% | 1,817 |
| Efficiency ratio | 74.0562% | 1,886 |
| Assets per employee ($millions) | 3.6198% | 4,542 |
| Cash dividends to net income (ytd only)* | 33.4791% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,390 |
| Loan loss allowance to noncurrent loans | 210.0851% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 2,931 |
| Noncurrent loans to loans | 0.5206% | 2,954 |
| Net loans and leases to total assets | 69.0930% | 2,666 |
| Net loans and leases to deposits | 87.2299% | 2,107 |
| Net loans and leases to core deposits | 95.8973% | 2,029 |
| Total domestic deposits to total assets | 79.2079% | 4,498 |
| Equity capital to assets | 9.0558% | 4,663 |
| Core capital (leverage) ratio | 8.6118% | 5,033 |
| Tier 1 risk-based capital ratio | 12.1128% | 4,454 |
| Total risk-based capital ratio | 13.1907% | 4,455 |
| Memoranda: | ||
| Average total assets | $426,200,200 | 1,619 |
| Average earning assets | $392,905,600 | 1,622 |
| Average equity | $36,999,000 | 1,981 |
| Average total loans | $281,938,200 | 1,646 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,564 |
| Cost of funding earning assets | 0.3113% | 4,012 |
| Net interest margin | 3.6273% | 3,047 |
| Noninterest income to average assets | 0.7767% | 1,673 |
| Noninterest expense to average assets | 3.1979% | 1,560 |
| Loan and lease loss provision to assets | 0.0327% | 3,469 |
| Net operating income to assets | 0.7763% | 3,614 |
| Return on assets (ROA) | 0.7882% | 3,626 |
| Pretax return on assets | 0.9048% | 4,025 |
| Return on Equity (ROE) | 9.1772% | 2,510 |
| Retained earnings to average equity (ytd only) | 5.0113% | 2,880 |
| Net charge-offs to loans | -0.0143% | 4,748 |
| Credit loss provision to net charge-offs | -350.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7108% | 1,637 |
| Assets per employee ($millions) | 4.0073% | 3,981 |
| Cash dividends to net income (ytd only)* | 45.3934% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,997 |
| Loan loss allowance to noncurrent loans | 171.0621% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 2,876 |
| Noncurrent loans to loans | 0.6951% | 2,622 |
| Net loans and leases to total assets | 63.4319% | 3,496 |
| Net loans and leases to deposits | 78.5246% | 3,117 |
| Net loans and leases to core deposits | 85.9785% | 2,971 |
| Total domestic deposits to total assets | 80.7796% | 4,109 |
| Equity capital to assets | 8.7722% | 5,102 |
| Core capital (leverage) ratio | 8.3862% | 5,323 |
| Tier 1 risk-based capital ratio | 12.2202% | 4,485 |
| Total risk-based capital ratio | 13.3674% | 4,433 |
| Memoranda: | ||
| Average total assets | $427,776,500 | 1,624 |
| Average earning assets | $394,481,750 | 1,627 |
| Average equity | $36,742,500 | 1,998 |
| Average total loans | $279,091,250 | 1,671 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,423 |
| Cost of funding earning assets | 0.3010% | 4,067 |
| Net interest margin | 3.6358% | 2,891 |
| Noninterest income to average assets | 0.7204% | 1,907 |
| Noninterest expense to average assets | 3.1645% | 1,670 |
| Loan and lease loss provision to assets | 0.0424% | 3,153 |
| Net operating income to assets | 0.7513% | 3,637 |
| Return on assets (ROA) | 0.7562% | 3,658 |
| Pretax return on assets | 0.8744% | 4,016 |
| Return on Equity (ROE) | 8.8686% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.7044% | 2,290 |
| Net charge-offs to loans | -0.0416% | 5,089 |
| Credit loss provision to net charge-offs | -155.1724% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7856% | 1,749 |
| Assets per employee ($millions) | 4.1021% | 3,784 |
| Cash dividends to net income (ytd only)* | 35.6787% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 3,036 |
| Loan loss allowance to noncurrent loans | 186.2549% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 2,708 |
| Noncurrent loans to loans | 0.6424% | 2,806 |
| Net loans and leases to total assets | 66.0554% | 3,100 |
| Net loans and leases to deposits | 84.0734% | 2,466 |
| Net loans and leases to core deposits | 92.6772% | 2,283 |
| Total domestic deposits to total assets | 78.5687% | 4,714 |
| Equity capital to assets | 9.0041% | 4,898 |
| Core capital (leverage) ratio | 8.4766% | 5,234 |
| Tier 1 risk-based capital ratio | 12.2478% | 4,463 |
| Total risk-based capital ratio | 13.3975% | 4,414 |
| Memoranda: | ||
| Average total assets | $424,768,330 | 1,632 |
| Average earning assets | $391,995,670 | 1,636 |
| Average equity | $36,217,670 | 2,018 |
| Average total loans | $278,653,330 | 1,670 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 3,421 |
| Cost of funding earning assets | 0.2884% | 4,161 |
| Net interest margin | 3.6058% | 2,871 |
| Noninterest income to average assets | 0.6739% | 2,066 |
| Noninterest expense to average assets | 3.1434% | 1,756 |
| Loan and lease loss provision to assets | 0.0280% | 3,206 |
| Net operating income to assets | 0.7240% | 3,601 |
| Return on assets (ROA) | 0.7216% | 3,657 |
| Pretax return on assets | 0.8300% | 4,004 |
| Return on Equity (ROE) | 8.7012% | 2,566 |
| Retained earnings to average equity (ytd only) | 2.2429% | 4,242 |
| Net charge-offs to loans | -0.1064% | 5,468 |
| Credit loss provision to net charge-offs | -40.5405% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7040% | 1,805 |
| Assets per employee ($millions) | 4.3229% | 3,464 |
| Cash dividends to net income (ytd only)* | 74.2228% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,211 |
| Loan loss allowance to noncurrent loans | 158.8745% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 2,694 |
| Noncurrent loans to loans | 0.7475% | 2,623 |
| Net loans and leases to total assets | 64.2176% | 3,242 |
| Net loans and leases to deposits | 81.4893% | 2,572 |
| Net loans and leases to core deposits | 89.6865% | 2,378 |
| Total domestic deposits to total assets | 78.8049% | 4,862 |
| Equity capital to assets | 8.3887% | 5,311 |
| Core capital (leverage) ratio | 8.1946% | 5,455 |
| Tier 1 risk-based capital ratio | 11.9201% | 4,773 |
| Total risk-based capital ratio | 13.0513% | 4,757 |
| Memoranda: | ||
| Average total assets | $427,947,000 | 1,643 |
| Average earning assets | $395,253,000 | 1,638 |
| Average equity | $35,489,500 | 2,061 |
| Average total loans | $278,115,000 | 1,686 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,333 |
| Cost of funding earning assets | 0.3091% | 3,968 |
| Net interest margin | 3.6552% | 2,873 |
| Noninterest income to average assets | 0.8508% | 1,576 |
| Noninterest expense to average assets | 3.5622% | 1,060 |
| Loan and lease loss provision to assets | 0.1182% | 2,100 |
| Net operating income to assets | 0.5129% | 4,578 |
| Return on assets (ROA) | 0.5235% | 4,620 |
| Pretax return on assets | 0.5595% | 4,902 |
| Return on Equity (ROE) | 5.8812% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.7580% | 3,939 |
| Net charge-offs to loans | 0.1378% | 1,872 |
| Credit loss provision to net charge-offs | 132.2314% | 2,041 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 3,018 |
| Efficiency ratio | 82.4540% | 1,150 |
| Assets per employee ($millions) | 4.5045% | 3,109 |
| Cash dividends to net income (ytd only)* | 53.1044% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,429 |
| Loan loss allowance to noncurrent loans | 136.3017% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 2,489 |
| Noncurrent loans to loans | 0.8440% | 2,415 |
| Net loans and leases to total assets | 64.2395% | 3,325 |
| Net loans and leases to deposits | 79.7548% | 2,910 |
| Net loans and leases to core deposits | 88.1298% | 2,659 |
| Total domestic deposits to total assets | 80.5462% | 4,441 |
| Equity capital to assets | 8.1972% | 5,472 |
| Core capital (leverage) ratio | 8.1007% | 5,563 |
| Tier 1 risk-based capital ratio | 11.7983% | 4,864 |
| Total risk-based capital ratio | 12.8864% | 4,868 |
| Memoranda: | ||
| Average total assets | $406,097,400 | 1,659 |
| Average earning assets | $375,268,600 | 1,657 |
| Average equity | $36,149,000 | 2,019 |
| Average total loans | $263,402,200 | 1,711 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,358 |
| Cost of funding earning assets | 0.3127% | 3,947 |
| Net interest margin | 3.6518% | 2,880 |
| Noninterest income to average assets | 0.7997% | 1,765 |
| Noninterest expense to average assets | 3.4947% | 1,157 |
| Loan and lease loss provision to assets | 0.1198% | 1,935 |
| Net operating income to assets | 0.4833% | 4,752 |
| Return on assets (ROA) | 0.4962% | 4,804 |
| Pretax return on assets | 0.5771% | 4,935 |
| Return on Equity (ROE) | 5.4589% | 4,328 |
| Retained earnings to average equity (ytd only) | 1.3254% | 4,985 |
| Net charge-offs to loans | 0.0616% | 2,475 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 17.0746% | 2,076 |
| Efficiency ratio | 81.9602% | 1,196 |
| Assets per employee ($millions) | 4.4236% | 3,207 |
| Cash dividends to net income (ytd only)* | 75.7212% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 3,140 |
| Loan loss allowance to noncurrent loans | 120.7047% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 2,370 |
| Noncurrent loans to loans | 1.0073% | 2,231 |
| Net loans and leases to total assets | 62.9181% | 3,534 |
| Net loans and leases to deposits | 77.1058% | 3,275 |
| Net loans and leases to core deposits | 85.0134% | 3,037 |
| Total domestic deposits to total assets | 81.5997% | 4,078 |
| Equity capital to assets | 8.5487% | 5,505 |
| Core capital (leverage) ratio | 8.3263% | 5,485 |
| Tier 1 risk-based capital ratio | 11.8556% | 4,885 |
| Total risk-based capital ratio | 13.0114% | 4,840 |
| Memoranda: | ||
| Average total assets | $400,640,000 | 1,685 |
| Average earning assets | $370,478,750 | 1,685 |
| Average equity | $36,416,750 | 2,014 |
| Average total loans | $259,728,500 | 1,738 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 3,190 |
| Cost of funding earning assets | 0.3191% | 3,906 |
| Net interest margin | 3.6959% | 2,712 |
| Noninterest income to average assets | 0.7833% | 1,793 |
| Noninterest expense to average assets | 3.2192% | 1,765 |
| Loan and lease loss provision to assets | 0.1227% | 1,854 |
| Net operating income to assets | 0.7435% | 3,580 |
| Return on assets (ROA) | 0.7629% | 3,632 |
| Pretax return on assets | 0.8871% | 3,998 |
| Return on Equity (ROE) | 8.2139% | 2,877 |
| Retained earnings to average equity (ytd only) | 5.0373% | 2,716 |
| Net charge-offs to loans | 0.0744% | 2,118 |
| Credit loss provision to net charge-offs | 252.6316% | 1,092 |
| Earnings coverage of net charge-offs (x) | 20.3263% | 1,729 |
| Efficiency ratio | 74.9119% | 2,231 |
| Assets per employee ($millions) | 4.2983% | 3,373 |
| Cash dividends to net income (ytd only)* | 38.6729% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 3,044 |
| Loan loss allowance to noncurrent loans | 145.8861% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 2,590 |
| Noncurrent loans to loans | 0.8602% | 2,588 |
| Net loans and leases to total assets | 65.6373% | 3,130 |
| Net loans and leases to deposits | 83.7309% | 2,499 |
| Net loans and leases to core deposits | 93.8202% | 2,186 |
| Total domestic deposits to total assets | 78.3908% | 4,918 |
| Equity capital to assets | 9.6295% | 4,636 |
| Core capital (leverage) ratio | 9.1428% | 4,671 |
| Tier 1 risk-based capital ratio | 12.9739% | 4,219 |
| Total risk-based capital ratio | 14.1427% | 4,176 |
| Memoranda: | ||
| Average total assets | $391,158,330 | 1,725 |
| Average earning assets | $362,296,000 | 1,720 |
| Average equity | $36,328,670 | 2,023 |
| Average total loans | $255,206,330 | 1,767 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,287 |
| Cost of funding earning assets | 0.3139% | 4,018 |
| Net interest margin | 3.6666% | 2,823 |
| Noninterest income to average assets | 0.7546% | 1,805 |
| Noninterest expense to average assets | 3.2259% | 1,771 |
| Loan and lease loss provision to assets | 0.1220% | 1,731 |
| Net operating income to assets | 0.6919% | 3,753 |
| Return on assets (ROA) | 0.7251% | 3,706 |
| Pretax return on assets | 0.8431% | 4,052 |
| Return on Equity (ROE) | 7.9515% | 2,945 |
| Retained earnings to average equity (ytd only) | 1.7955% | 4,549 |
| Net charge-offs to loans | -0.0094% | 4,505 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0715% | 2,169 |
| Assets per employee ($millions) | 4.4037% | 3,246 |
| Cash dividends to net income (ytd only)* | 77.4194% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,130 |
| Loan loss allowance to noncurrent loans | 136.2941% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 2,509 |
| Noncurrent loans to loans | 0.9230% | 2,542 |
| Net loans and leases to total assets | 63.5162% | 3,316 |
| Net loans and leases to deposits | 81.2316% | 2,642 |
| Net loans and leases to core deposits | 90.3490% | 2,339 |
| Total domestic deposits to total assets | 78.1915% | 5,110 |
| Equity capital to assets | 9.1201% | 5,066 |
| Core capital (leverage) ratio | 8.9029% | 4,963 |
| Tier 1 risk-based capital ratio | 13.0959% | 4,204 |
| Total risk-based capital ratio | 14.2939% | 4,155 |
| Memoranda: | ||
| Average total assets | $393,315,500 | 1,717 |
| Average earning assets | $364,479,500 | 1,705 |
| Average equity | $35,867,500 | 2,040 |
| Average total loans | $254,239,000 | 1,768 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 3,456 |
| Cost of funding earning assets | 0.3538% | 3,662 |
| Net interest margin | 3.6095% | 3,093 |
| Noninterest income to average assets | 0.7146% | 2,129 |
| Noninterest expense to average assets | 3.1393% | 2,119 |
| Loan and lease loss provision to assets | 0.1122% | 2,123 |
| Net operating income to assets | 0.7041% | 3,786 |
| Return on assets (ROA) | 0.7078% | 3,885 |
| Pretax return on assets | 0.7983% | 4,193 |
| Return on Equity (ROE) | 7.7901% | 3,081 |
| Retained earnings to average equity (ytd only) | 4.5959% | 2,711 |
| Net charge-offs to loans | 0.1396% | 1,954 |
| Credit loss provision to net charge-offs | 127.5964% | 2,041 |
| Earnings coverage of net charge-offs (x) | 10.3056% | 2,702 |
| Efficiency ratio | 76.0224% | 2,266 |
| Assets per employee ($millions) | 4.2424% | 3,503 |
| Cash dividends to net income (ytd only)* | 41.0029% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,384 |
| Loan loss allowance to noncurrent loans | 137.0996% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 2,824 |
| Noncurrent loans to loans | 0.8867% | 2,581 |
| Net loans and leases to total assets | 64.1698% | 3,249 |
| Net loans and leases to deposits | 79.7104% | 2,853 |
| Net loans and leases to core deposits | 88.8349% | 2,520 |
| Total domestic deposits to total assets | 80.5037% | 4,609 |
| Equity capital to assets | 9.1184% | 5,002 |
| Core capital (leverage) ratio | 8.9772% | 4,911 |
| Tier 1 risk-based capital ratio | 13.4238% | 4,043 |
| Total risk-based capital ratio | 14.6114% | 4,017 |
| Memoranda: | ||
| Average total assets | $383,169,200 | 1,715 |
| Average earning assets | $353,623,600 | 1,707 |
| Average equity | $34,813,400 | 2,045 |
| Average total loans | $241,340,000 | 1,788 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,518 |
| Cost of funding earning assets | 0.3648% | 3,604 |
| Net interest margin | 3.5915% | 3,197 |
| Noninterest income to average assets | 0.7506% | 2,022 |
| Noninterest expense to average assets | 3.1376% | 2,121 |
| Loan and lease loss provision to assets | 0.1398% | 1,587 |
| Net operating income to assets | 0.6872% | 3,956 |
| Return on assets (ROA) | 0.6890% | 4,065 |
| Pretax return on assets | 0.7862% | 4,375 |
| Return on Equity (ROE) | 7.5909% | 3,291 |
| Retained earnings to average equity (ytd only) | 3.3083% | 4,114 |
| Net charge-offs to loans | 0.0571% | 2,785 |
| Credit loss provision to net charge-offs | 392.1569% | 776 |
| Earnings coverage of net charge-offs (x) | 25.9111% | 1,639 |
| Efficiency ratio | 75.6843% | 2,289 |
| Assets per employee ($millions) | 4.1552% | 3,609 |
| Cash dividends to net income (ytd only)* | 56.4182% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,889 |
| Loan loss allowance to noncurrent loans | 125.6498% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 2,541 |
| Noncurrent loans to loans | 1.0699% | 2,344 |
| Net loans and leases to total assets | 62.4257% | 3,548 |
| Net loans and leases to deposits | 75.8180% | 3,322 |
| Net loans and leases to core deposits | 83.5693% | 3,088 |
| Total domestic deposits to total assets | 82.3362% | 4,059 |
| Equity capital to assets | 9.0312% | 5,279 |
| Core capital (leverage) ratio | 9.1208% | 4,849 |
| Tier 1 risk-based capital ratio | 13.2297% | 4,300 |
| Total risk-based capital ratio | 14.4802% | 4,220 |
| Memoranda: | ||
| Average total assets | $381,386,750 | 1,735 |
| Average earning assets | $351,600,750 | 1,732 |
| Average equity | $34,619,500 | 2,077 |
| Average total loans | $238,291,000 | 1,816 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 3,371 |
| Cost of funding earning assets | 0.3755% | 3,548 |
| Net interest margin | 3.6066% | 3,064 |
| Noninterest income to average assets | 0.7385% | 2,049 |
| Noninterest expense to average assets | 3.1082% | 2,224 |
| Loan and lease loss provision to assets | 0.1633% | 1,293 |
| Net operating income to assets | 0.6874% | 3,949 |
| Return on assets (ROA) | 0.6874% | 4,062 |
| Pretax return on assets | 0.7911% | 4,345 |
| Return on Equity (ROE) | 7.5594% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.3213% | 3,273 |
| Net charge-offs to loans | 0.0906% | 2,125 |
| Credit loss provision to net charge-offs | 289.7196% | 950 |
| Earnings coverage of net charge-offs (x) | 16.9346% | 1,880 |
| Efficiency ratio | 74.9643% | 2,543 |
| Assets per employee ($millions) | 4.0166% | 3,846 |
| Cash dividends to net income (ytd only)* | 42.8352% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,920 |
| Loan loss allowance to noncurrent loans | 120.4528% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 2,449 |
| Noncurrent loans to loans | 1.1308% | 2,389 |
| Net loans and leases to total assets | 63.2406% | 3,383 |
| Net loans and leases to deposits | 78.1750% | 3,005 |
| Net loans and leases to core deposits | 86.8507% | 2,669 |
| Total domestic deposits to total assets | 80.8963% | 4,640 |
| Equity capital to assets | 9.4045% | 4,772 |
| Core capital (leverage) ratio | 9.0936% | 4,829 |
| Tier 1 risk-based capital ratio | 13.7806% | 4,044 |
| Total risk-based capital ratio | 15.0312% | 3,984 |
| Memoranda: | ||
| Average total assets | $379,706,000 | 1,749 |
| Average earning assets | $349,974,330 | 1,748 |
| Average equity | $34,526,330 | 2,089 |
| Average total loans | $236,215,330 | 1,831 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,598 |
| Cost of funding earning assets | 0.3771% | 3,570 |
| Net interest margin | 3.5251% | 3,324 |
| Noninterest income to average assets | 0.7094% | 2,128 |
| Noninterest expense to average assets | 3.0600% | 2,395 |
| Loan and lease loss provision to assets | 0.1965% | 947 |
| Net operating income to assets | 0.6122% | 4,234 |
| Return on assets (ROA) | 0.6122% | 4,322 |
| Pretax return on assets | 0.7104% | 4,558 |
| Return on Equity (ROE) | 6.8435% | 3,586 |
| Retained earnings to average equity (ytd only) | 0.3815% | 5,251 |
| Net charge-offs to loans | 0.0759% | 1,946 |
| Credit loss provision to net charge-offs | 422.2222% | 627 |
| Earnings coverage of net charge-offs (x) | 19.4889% | 1,448 |
| Efficiency ratio | 75.4432% | 2,595 |
| Assets per employee ($millions) | 4.5772% | 2,930 |
| Cash dividends to net income (ytd only)* | 94.4257% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 3,213 |
| Loan loss allowance to noncurrent loans | 92.1494% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 2,427 |
| Noncurrent loans to loans | 1.4501% | 1,961 |
| Net loans and leases to total assets | 60.1833% | 3,629 |
| Net loans and leases to deposits | 75.2125% | 3,146 |
| Net loans and leases to core deposits | 82.8779% | 2,882 |
| Total domestic deposits to total assets | 80.0176% | 5,049 |
| Equity capital to assets | 9.0490% | 5,235 |
| Core capital (leverage) ratio | 8.6596% | 5,366 |
| Tier 1 risk-based capital ratio | 14.1581% | 3,907 |
| Total risk-based capital ratio | 15.4088% | 3,836 |
| Memoranda: | ||
| Average total assets | $386,801,500 | 1,723 |
| Average earning assets | $357,432,000 | 1,719 |
| Average equity | $34,602,000 | 2,094 |
| Average total loans | $237,150,000 | 1,831 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,452 |
| Cost of funding earning assets | 0.4756% | 2,930 |
| Net interest margin | 3.5910% | 3,447 |
| Noninterest income to average assets | 0.6115% | 2,789 |
| Noninterest expense to average assets | 2.9718% | 2,924 |
| Loan and lease loss provision to assets | 0.1553% | 1,690 |
| Net operating income to assets | 0.6816% | 3,983 |
| Return on assets (ROA) | 0.6907% | 4,057 |
| Pretax return on assets | 0.8030% | 4,248 |
| Return on Equity (ROE) | 8.0326% | 3,118 |
| Retained earnings to average equity (ytd only) | 4.6649% | 2,843 |
| Net charge-offs to loans | 0.2498% | 1,716 |
| Credit loss provision to net charge-offs | 101.1804% | 2,362 |
| Earnings coverage of net charge-offs (x) | 6.1754% | 3,255 |
| Efficiency ratio | 74.4223% | 2,762 |
| Assets per employee ($millions) | 4.4726% | 3,081 |
| Cash dividends to net income (ytd only)* | 41.9258% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,738 |
| Loan loss allowance to noncurrent loans | 130.6952% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 3,066 |
| Noncurrent loans to loans | 0.9538% | 2,942 |
| Net loans and leases to total assets | 60.8508% | 3,660 |
| Net loans and leases to deposits | 75.7278% | 3,226 |
| Net loans and leases to core deposits | 84.1948% | 2,882 |
| Total domestic deposits to total assets | 80.3546% | 4,924 |
| Equity capital to assets | 8.8436% | 5,434 |
| Core capital (leverage) ratio | 8.6208% | 5,424 |
| Tier 1 risk-based capital ratio | 14.0255% | 4,069 |
| Total risk-based capital ratio | 15.2756% | 4,000 |
| Memoranda: | ||
| Average total assets | $386,428,200 | 1,693 |
| Average earning assets | $355,973,800 | 1,683 |
| Average equity | $33,227,200 | 2,095 |
| Average total loans | $237,424,800 | 1,779 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 3,397 |
| Cost of funding earning assets | 0.4990% | 2,779 |
| Net interest margin | 3.5966% | 3,439 |
| Noninterest income to average assets | 0.6553% | 2,551 |
| Noninterest expense to average assets | 2.9434% | 2,982 |
| Loan and lease loss provision to assets | 0.2005% | 1,185 |
| Net operating income to assets | 0.6989% | 3,946 |
| Return on assets (ROA) | 0.6989% | 4,038 |
| Pretax return on assets | 0.8223% | 4,276 |
| Return on Equity (ROE) | 8.1866% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.6560% | 4,048 |
| Net charge-offs to loans | 0.2770% | 1,419 |
| Credit loss provision to net charge-offs | 117.8862% | 1,938 |
| Earnings coverage of net charge-offs (x) | 6.0143% | 3,153 |
| Efficiency ratio | 72.8366% | 3,031 |
| Assets per employee ($millions) | 4.5210% | 2,931 |
| Cash dividends to net income (ytd only)* | 55.3412% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 3,735 |
| Loan loss allowance to noncurrent loans | 137.0536% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 3,076 |
| Noncurrent loans to loans | 0.9361% | 3,217 |
| Net loans and leases to total assets | 60.7544% | 3,665 |
| Net loans and leases to deposits | 74.2453% | 3,403 |
| Net loans and leases to core deposits | 81.1774% | 3,183 |
| Total domestic deposits to total assets | 81.8294% | 4,536 |
| Equity capital to assets | 8.7016% | 5,638 |
| Core capital (leverage) ratio | 8.5694% | 5,582 |
| Tier 1 risk-based capital ratio | 13.8849% | 4,300 |
| Total risk-based capital ratio | 15.1354% | 4,243 |
| Memoranda: | ||
| Average total assets | $385,755,500 | 1,704 |
| Average earning assets | $355,100,500 | 1,701 |
| Average equity | $32,931,000 | 2,117 |
| Average total loans | $236,838,250 | 1,789 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 3,324 |
| Cost of funding earning assets | 0.5260% | 2,576 |
| Net interest margin | 3.5779% | 3,450 |
| Noninterest income to average assets | 0.6680% | 2,440 |
| Noninterest expense to average assets | 2.9474% | 3,013 |
| Loan and lease loss provision to assets | 0.2183% | 1,067 |
| Net operating income to assets | 0.6784% | 3,950 |
| Return on assets (ROA) | 0.6784% | 4,052 |
| Pretax return on assets | 0.7979% | 4,275 |
| Return on Equity (ROE) | 7.9986% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.5724% | 3,256 |
| Net charge-offs to loans | 0.3034% | 1,331 |
| Credit loss provision to net charge-offs | 117.3184% | 1,742 |
| Earnings coverage of net charge-offs (x) | 5.4609% | 2,926 |
| Efficiency ratio | 73.0230% | 3,158 |
| Assets per employee ($millions) | 4.3595% | 3,160 |
| Cash dividends to net income (ytd only)* | 42.8352% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 3,916 |
| Loan loss allowance to noncurrent loans | 111.3794% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 2,806 |
| Noncurrent loans to loans | 1.1564% | 2,915 |
| Net loans and leases to total assets | 61.5098% | 3,479 |
| Net loans and leases to deposits | 79.7758% | 2,543 |
| Net loans and leases to core deposits | 88.0184% | 2,317 |
| Total domestic deposits to total assets | 77.1033% | 5,788 |
| Equity capital to assets | 8.8393% | 5,482 |
| Core capital (leverage) ratio | 8.5634% | 5,573 |
| Tier 1 risk-based capital ratio | 13.7855% | 4,403 |
| Total risk-based capital ratio | 15.0359% | 4,349 |
| Memoranda: | ||
| Average total assets | $384,739,670 | 1,709 |
| Average earning assets | $354,400,000 | 1,705 |
| Average equity | $32,630,670 | 2,121 |
| Average total loans | $236,022,670 | 1,784 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,568 |
| Cost of funding earning assets | 0.5482% | 2,436 |
| Net interest margin | 3.4817% | 3,778 |
| Noninterest income to average assets | 0.6246% | 2,601 |
| Noninterest expense to average assets | 2.9267% | 3,128 |
| Loan and lease loss provision to assets | 0.2168% | 1,053 |
| Net operating income to assets | 0.5895% | 4,238 |
| Return on assets (ROA) | 0.5895% | 4,316 |
| Pretax return on assets | 0.6937% | 4,510 |
| Return on Equity (ROE) | 7.0968% | 3,416 |
| Retained earnings to average equity (ytd only) | 0.1491% | 5,501 |
| Net charge-offs to loans | 0.3086% | 1,142 |
| Credit loss provision to net charge-offs | 115.3846% | 1,494 |
| Earnings coverage of net charge-offs (x) | 4.8462% | 2,461 |
| Efficiency ratio | 74.9260% | 2,982 |
| Assets per employee ($millions) | 4.4492% | 3,058 |
| Cash dividends to net income (ytd only)* | 97.8984% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,236 |
| Loan loss allowance to noncurrent loans | 83.8207% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.2876% | 2,720 |
| Noncurrent loans to loans | 1.5246% | 2,516 |
| Net loans and leases to total assets | 60.0734% | 3,555 |
| Net loans and leases to deposits | 76.1064% | 2,800 |
| Net loans and leases to core deposits | 83.8415% | 2,534 |
| Total domestic deposits to total assets | 78.9334% | 5,698 |
| Equity capital to assets | 8.3686% | 5,767 |
| Core capital (leverage) ratio | 8.2333% | 5,906 |
| Tier 1 risk-based capital ratio | 13.5755% | 4,621 |
| Total risk-based capital ratio | 14.8258% | 4,574 |
| Memoranda: | ||
| Average total assets | $387,473,000 | 1,715 |
| Average earning assets | $357,531,500 | 1,700 |
| Average equity | $32,183,500 | 2,143 |
| Average total loans | $235,867,000 | 1,784 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 3,338 |
| Cost of funding earning assets | 0.6902% | 1,887 |
| Net interest margin | 3.5133% | 3,836 |
| Noninterest income to average assets | 0.6463% | 2,825 |
| Noninterest expense to average assets | 2.9072% | 3,351 |
| Loan and lease loss provision to assets | 0.2519% | 1,433 |
| Net operating income to assets | 0.5850% | 4,336 |
| Return on assets (ROA) | 0.6261% | 4,243 |
| Pretax return on assets | 0.7595% | 4,302 |
| Return on Equity (ROE) | 7.3904% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.0536% | 3,302 |
| Net charge-offs to loans | 0.4048% | 1,664 |
| Credit loss provision to net charge-offs | 100.7423% | 2,398 |
| Earnings coverage of net charge-offs (x) | 3.8441% | 3,739 |
| Efficiency ratio | 73.6084% | 3,195 |
| Assets per employee ($millions) | 4.4076% | 3,071 |
| Cash dividends to net income (ytd only)* | 45.1504% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,332 |
| Loan loss allowance to noncurrent loans | 92.7239% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 3,043 |
| Noncurrent loans to loans | 1.3616% | 2,862 |
| Net loans and leases to total assets | 60.1264% | 3,691 |
| Net loans and leases to deposits | 75.6165% | 3,006 |
| Net loans and leases to core deposits | 83.3644% | 2,737 |
| Total domestic deposits to total assets | 79.5149% | 5,544 |
| Equity capital to assets | 8.2435% | 5,831 |
| Core capital (leverage) ratio | 8.2230% | 5,951 |
| Tier 1 risk-based capital ratio | 13.5197% | 4,641 |
| Total risk-based capital ratio | 14.7697% | 4,583 |
| Memoranda: | ||
| Average total assets | $377,091,800 | 1,733 |
| Average earning assets | $345,860,400 | 1,731 |
| Average equity | $31,946,800 | 2,135 |
| Average total loans | $232,950,800 | 1,770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,265 |
| Cost of funding earning assets | 0.7197% | 1,813 |
| Net interest margin | 3.5122% | 3,825 |
| Noninterest income to average assets | 0.7201% | 2,509 |
| Noninterest expense to average assets | 2.9707% | 3,075 |
| Loan and lease loss provision to assets | 0.2991% | 1,132 |
| Net operating income to assets | 0.5374% | 4,631 |
| Return on assets (ROA) | 0.5919% | 4,517 |
| Pretax return on assets | 0.7325% | 4,567 |
| Return on Equity (ROE) | 6.9378% | 3,690 |
| Retained earnings to average equity (ytd only) | 2.4879% | 4,836 |
| Net charge-offs to loans | 0.3791% | 1,690 |
| Credit loss provision to net charge-offs | 127.2727% | 1,850 |
| Earnings coverage of net charge-offs (x) | 4.1030% | 3,535 |
| Efficiency ratio | 73.9095% | 3,086 |
| Assets per employee ($millions) | 4.4893% | 2,899 |
| Cash dividends to net income (ytd only)* | 64.1398% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,214 |
| Loan loss allowance to noncurrent loans | 98.9649% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 3,312 |
| Noncurrent loans to loans | 1.3495% | 3,164 |
| Net loans and leases to total assets | 58.9968% | 3,853 |
| Net loans and leases to deposits | 75.3854% | 3,035 |
| Net loans and leases to core deposits | 83.0895% | 2,753 |
| Total domestic deposits to total assets | 78.2602% | 5,866 |
| Equity capital to assets | 7.9408% | 6,185 |
| Core capital (leverage) ratio | 8.3279% | 5,942 |
| Tier 1 risk-based capital ratio | 13.3414% | 4,879 |
| Total risk-based capital ratio | 14.5927% | 4,811 |
| Memoranda: | ||
| Average total assets | $374,397,750 | 1,758 |
| Average earning assets | $342,721,000 | 1,753 |
| Average equity | $31,940,000 | 2,151 |
| Average total loans | $232,140,250 | 1,776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 2,856 |
| Cost of funding earning assets | 0.7589% | 1,652 |
| Net interest margin | 3.5651% | 3,500 |
| Noninterest income to average assets | 0.7711% | 2,318 |
| Noninterest expense to average assets | 3.0862% | 2,706 |
| Loan and lease loss provision to assets | 0.3102% | 1,144 |
| Net operating income to assets | 0.5109% | 4,761 |
| Return on assets (ROA) | 0.5932% | 4,506 |
| Pretax return on assets | 0.7423% | 4,530 |
| Return on Equity (ROE) | 6.7850% | 3,728 |
| Retained earnings to average equity (ytd only) | 3.4672% | 4,109 |
| Net charge-offs to loans | 0.3848% | 1,679 |
| Credit loss provision to net charge-offs | 128.3784% | 1,762 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 3,266 |
| Efficiency ratio | 74.8786% | 2,966 |
| Assets per employee ($millions) | 3.9995% | 3,802 |
| Cash dividends to net income (ytd only)* | 48.8991% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,312 |
| Loan loss allowance to noncurrent loans | 81.6697% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5510% | 2,783 |
| Noncurrent loans to loans | 1.6412% | 2,856 |
| Net loans and leases to total assets | 62.7166% | 3,154 |
| Net loans and leases to deposits | 80.9942% | 2,180 |
| Net loans and leases to core deposits | 91.0283% | 1,808 |
| Total domestic deposits to total assets | 77.4334% | 6,070 |
| Equity capital to assets | 8.6636% | 5,597 |
| Core capital (leverage) ratio | 8.5055% | 5,667 |
| Tier 1 risk-based capital ratio | 13.5433% | 4,745 |
| Total risk-based capital ratio | 14.7943% | 4,699 |
| Memoranda: | ||
| Average total assets | $367,510,670 | 1,783 |
| Average earning assets | $336,544,670 | 1,780 |
| Average equity | $32,129,670 | 2,148 |
| Average total loans | $230,778,000 | 1,783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,868 |
| Cost of funding earning assets | 0.7788% | 1,647 |
| Net interest margin | 3.5280% | 3,582 |
| Noninterest income to average assets | 0.7690% | 2,257 |
| Noninterest expense to average assets | 3.0025% | 2,984 |
| Loan and lease loss provision to assets | 0.2925% | 1,198 |
| Net operating income to assets | 0.5762% | 4,333 |
| Return on assets (ROA) | 0.5762% | 4,482 |
| Pretax return on assets | 0.7127% | 4,519 |
| Return on Equity (ROE) | 6.5620% | 3,732 |
| Retained earnings to average equity (ytd only) | -0.0123% | 5,775 |
| Net charge-offs to loans | 0.1735% | 2,360 |
| Credit loss provision to net charge-offs | 270.0000% | 872 |
| Earnings coverage of net charge-offs (x) | 9.2800% | 1,858 |
| Efficiency ratio | 73.2162% | 3,412 |
| Assets per employee ($millions) | 4.0680% | 3,807 |
| Cash dividends to net income (ytd only)* | 100.1880% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,419 |
| Loan loss allowance to noncurrent loans | 89.5501% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 3,050 |
| Noncurrent loans to loans | 1.5197% | 3,268 |
| Net loans and leases to total assets | 61.5769% | 3,150 |
| Net loans and leases to deposits | 78.0623% | 2,332 |
| Net loans and leases to core deposits | 87.1975% | 1,990 |
| Total domestic deposits to total assets | 78.8817% | 5,984 |
| Equity capital to assets | 8.7089% | 5,803 |
| Core capital (leverage) ratio | 8.3127% | 5,810 |
| Tier 1 risk-based capital ratio | 13.4133% | 4,928 |
| Total risk-based capital ratio | 14.6647% | 4,883 |
| Memoranda: | ||
| Average total assets | $369,291,000 | 1,785 |
| Average earning assets | $338,998,000 | 1,784 |
| Average equity | $32,429,000 | 2,156 |
| Average total loans | $230,488,000 | 1,793 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 3,035 |
| Cost of funding earning assets | 0.9069% | 1,900 |
| Net interest margin | 3.6848% | 3,715 |
| Noninterest income to average assets | 0.8130% | 2,205 |
| Noninterest expense to average assets | 3.0461% | 3,110 |
| Loan and lease loss provision to assets | 0.3581% | 1,864 |
| Net operating income to assets | 0.6309% | 4,082 |
| Return on assets (ROA) | 0.6410% | 4,289 |
| Pretax return on assets | 0.7921% | 4,326 |
| Return on Equity (ROE) | 7.1556% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.7903% | 3,544 |
| Net charge-offs to loans | 0.5016% | 2,237 |
| Credit loss provision to net charge-offs | 114.7245% | 2,530 |
| Earnings coverage of net charge-offs (x) | 3.6450% | 3,643 |
| Efficiency ratio | 71.2071% | 3,591 |
| Assets per employee ($millions) | 3.9612% | 4,031 |
| Cash dividends to net income (ytd only)* | 47.0304% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,657 |
| Loan loss allowance to noncurrent loans | 89.1252% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 3,327 |
| Noncurrent loans to loans | 1.4520% | 3,421 |
| Net loans and leases to total assets | 61.5932% | 3,321 |
| Net loans and leases to deposits | 77.4234% | 2,599 |
| Net loans and leases to core deposits | 85.5236% | 2,375 |
| Total domestic deposits to total assets | 79.5538% | 5,771 |
| Equity capital to assets | 8.8543% | 5,682 |
| Core capital (leverage) ratio | 8.4200% | 5,731 |
| Tier 1 risk-based capital ratio | 13.5746% | 4,696 |
| Total risk-based capital ratio | 14.8250% | 4,645 |
| Memoranda: | ||
| Average total assets | $354,617,000 | 1,829 |
| Average earning assets | $324,412,000 | 1,834 |
| Average equity | $31,765,400 | 2,153 |
| Average total loans | $220,680,600 | 1,831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 3,124 |
| Cost of funding earning assets | 0.9264% | 2,003 |
| Net interest margin | 3.6953% | 3,819 |
| Noninterest income to average assets | 0.8406% | 2,072 |
| Noninterest expense to average assets | 3.0222% | 3,162 |
| Loan and lease loss provision to assets | 0.3987% | 1,608 |
| Net operating income to assets | 0.6498% | 4,141 |
| Return on assets (ROA) | 0.6633% | 4,344 |
| Pretax return on assets | 0.8167% | 4,427 |
| Return on Equity (ROE) | 7.3824% | 3,592 |
| Retained earnings to average equity (ytd only) | 2.8650% | 4,836 |
| Net charge-offs to loans | 0.6063% | 1,819 |
| Credit loss provision to net charge-offs | 105.7402% | 2,780 |
| Earnings coverage of net charge-offs (x) | 3.1792% | 3,759 |
| Efficiency ratio | 70.0189% | 3,681 |
| Assets per employee ($millions) | 3.8652% | 4,162 |
| Cash dividends to net income (ytd only)* | 61.1906% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,787 |
| Loan loss allowance to noncurrent loans | 80.0056% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 3,348 |
| Noncurrent loans to loans | 1.6322% | 3,349 |
| Net loans and leases to total assets | 59.0523% | 3,953 |
| Net loans and leases to deposits | 75.0238% | 3,142 |
| Net loans and leases to core deposits | 83.0187% | 2,821 |
| Total domestic deposits to total assets | 78.7115% | 5,933 |
| Equity capital to assets | 8.6948% | 6,107 |
| Core capital (leverage) ratio | 8.5604% | 5,677 |
| Tier 1 risk-based capital ratio | 13.8411% | 4,664 |
| Total risk-based capital ratio | 15.0917% | 4,616 |
| Memoranda: | ||
| Average total assets | $351,172,250 | 1,864 |
| Average earning assets | $321,228,500 | 1,864 |
| Average equity | $31,552,000 | 2,183 |
| Average total loans | $218,380,250 | 1,864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 2,745 |
| Cost of funding earning assets | 0.9521% | 2,048 |
| Net interest margin | 3.7908% | 3,403 |
| Noninterest income to average assets | 0.8235% | 2,081 |
| Noninterest expense to average assets | 3.0610% | 3,048 |
| Loan and lease loss provision to assets | 0.4164% | 1,570 |
| Net operating income to assets | 0.6604% | 4,058 |
| Return on assets (ROA) | 0.6813% | 4,236 |
| Pretax return on assets | 0.8345% | 4,339 |
| Return on Equity (ROE) | 7.4967% | 3,521 |
| Retained earnings to average equity (ytd only) | 4.0920% | 3,882 |
| Net charge-offs to loans | 0.5855% | 1,855 |
| Credit loss provision to net charge-offs | 112.8527% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.3213% | 3,422 |
| Efficiency ratio | 69.8597% | 3,789 |
| Assets per employee ($millions) | 3.6693% | 4,591 |
| Cash dividends to net income (ytd only)* | 45.4160% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 4,717 |
| Loan loss allowance to noncurrent loans | 96.1462% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 3,631 |
| Noncurrent loans to loans | 1.3903% | 3,835 |
| Net loans and leases to total assets | 61.9285% | 3,457 |
| Net loans and leases to deposits | 80.5930% | 2,300 |
| Net loans and leases to core deposits | 90.4235% | 1,943 |
| Total domestic deposits to total assets | 76.8411% | 6,351 |
| Equity capital to assets | 9.2341% | 5,426 |
| Core capital (leverage) ratio | 8.8507% | 5,128 |
| Tier 1 risk-based capital ratio | 14.0082% | 4,445 |
| Total risk-based capital ratio | 15.2593% | 4,403 |
| Memoranda: | ||
| Average total assets | $345,830,330 | 1,891 |
| Average earning assets | $315,919,670 | 1,887 |
| Average equity | $31,427,000 | 2,176 |
| Average total loans | $217,937,670 | 1,871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 2,823 |
| Cost of funding earning assets | 0.9864% | 2,058 |
| Net interest margin | 3.7701% | 3,517 |
| Noninterest income to average assets | 0.7901% | 2,211 |
| Noninterest expense to average assets | 3.0264% | 3,164 |
| Loan and lease loss provision to assets | 0.3812% | 1,655 |
| Net operating income to assets | 0.6792% | 3,986 |
| Return on assets (ROA) | 0.6792% | 4,202 |
| Pretax return on assets | 0.8351% | 4,281 |
| Return on Equity (ROE) | 7.5347% | 3,483 |
| Retained earnings to average equity (ytd only) | 0.6791% | 5,791 |
| Net charge-offs to loans | 0.3256% | 2,346 |
| Credit loss provision to net charge-offs | 185.3933% | 1,415 |
| Earnings coverage of net charge-offs (x) | 5.9157% | 2,281 |
| Efficiency ratio | 69.8067% | 3,849 |
| Assets per employee ($millions) | 3.9027% | 4,195 |
| Cash dividends to net income (ytd only)* | 90.9864% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 4,801 |
| Loan loss allowance to noncurrent loans | 77.4295% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5052% | 3,600 |
| Noncurrent loans to loans | 1.7434% | 3,496 |
| Net loans and leases to total assets | 62.3631% | 3,175 |
| Net loans and leases to deposits | 80.6441% | 2,113 |
| Net loans and leases to core deposits | 88.1779% | 2,030 |
| Total domestic deposits to total assets | 77.3312% | 6,353 |
| Equity capital to assets | 8.9941% | 5,502 |
| Core capital (leverage) ratio | 8.4860% | 5,616 |
| Tier 1 risk-based capital ratio | 13.7376% | 4,652 |
| Total risk-based capital ratio | 14.9892% | 4,642 |
| Memoranda: | ||
| Average total assets | $346,287,000 | 1,901 |
| Average earning assets | $317,126,500 | 1,892 |
| Average equity | $31,215,500 | 2,192 |
| Average total loans | $218,658,500 | 1,867 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 3,560 |
| Cost of funding earning assets | 1.1418% | 2,401 |
| Net interest margin | 3.7145% | 4,232 |
| Noninterest income to average assets | 0.6863% | 2,682 |
| Noninterest expense to average assets | 2.8390% | 4,201 |
| Loan and lease loss provision to assets | 0.5046% | 2,084 |
| Net operating income to assets | 0.5935% | 4,034 |
| Return on assets (ROA) | 0.5935% | 4,209 |
| Pretax return on assets | 0.7464% | 4,168 |
| Return on Equity (ROE) | 6.5634% | 3,607 |
| Retained earnings to average equity (ytd only) | 2.9609% | 4,130 |
| Net charge-offs to loans | 0.6750% | 2,469 |
| Credit loss provision to net charge-offs | 118.5467% | 2,706 |
| Earnings coverage of net charge-offs (x) | 2.9391% | 3,734 |
| Efficiency ratio | 68.5848% | 4,236 |
| Assets per employee ($millions) | 3.7526% | 4,428 |
| Cash dividends to net income (ytd only)* | 54.8883% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,950 |
| Loan loss allowance to noncurrent loans | 62.6839% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 3,746 |
| Noncurrent loans to loans | 2.0602% | 3,123 |
| Net loans and leases to total assets | 62.2561% | 3,550 |
| Net loans and leases to deposits | 81.2437% | 2,319 |
| Net loans and leases to core deposits | 89.4554% | 2,202 |
| Total domestic deposits to total assets | 76.6288% | 6,388 |
| Equity capital to assets | 9.0347% | 5,511 |
| Core capital (leverage) ratio | 8.5577% | 5,466 |
| Tier 1 risk-based capital ratio | 14.0507% | 4,290 |
| Total risk-based capital ratio | 15.3017% | 4,242 |
| Memoranda: | ||
| Average total assets | $339,489,400 | 1,902 |
| Average earning assets | $311,075,200 | 1,894 |
| Average equity | $30,700,400 | 2,144 |
| Average total loans | $214,059,400 | 1,921 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 3,703 |
| Cost of funding earning assets | 1.1830% | 2,428 |
| Net interest margin | 3.6832% | 4,417 |
| Noninterest income to average assets | 0.6374% | 2,950 |
| Noninterest expense to average assets | 2.8468% | 4,154 |
| Loan and lease loss provision to assets | 0.4390% | 2,278 |
| Net operating income to assets | 0.5770% | 4,190 |
| Return on assets (ROA) | 0.5770% | 4,372 |
| Pretax return on assets | 0.7273% | 4,388 |
| Return on Equity (ROE) | 6.3792% | 3,836 |
| Retained earnings to average equity (ytd only) | 1.5567% | 5,359 |
| Net charge-offs to loans | 0.6274% | 2,369 |
| Credit loss provision to net charge-offs | 110.9671% | 2,962 |
| Earnings coverage of net charge-offs (x) | 2.9482% | 3,671 |
| Efficiency ratio | 70.2703% | 3,913 |
| Assets per employee ($millions) | 4.0477% | 3,736 |
| Cash dividends to net income (ytd only)* | 75.5980% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,388 |
| Loan loss allowance to noncurrent loans | 63.9056% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 4,022 |
| Noncurrent loans to loans | 1.9113% | 3,486 |
| Net loans and leases to total assets | 60.9483% | 3,951 |
| Net loans and leases to deposits | 78.6640% | 2,863 |
| Net loans and leases to core deposits | 86.3087% | 2,737 |
| Total domestic deposits to total assets | 77.4793% | 6,305 |
| Equity capital to assets | 8.9399% | 5,821 |
| Core capital (leverage) ratio | 8.7621% | 5,320 |
| Tier 1 risk-based capital ratio | 14.2602% | 4,154 |
| Total risk-based capital ratio | 15.5107% | 4,119 |
| Memoranda: | ||
| Average total assets | $338,052,500 | 1,922 |
| Average earning assets | $309,828,000 | 1,904 |
| Average equity | $30,577,750 | 2,163 |
| Average total loans | $213,138,500 | 1,942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 3,456 |
| Cost of funding earning assets | 1.2572% | 2,206 |
| Net interest margin | 3.6799% | 4,358 |
| Noninterest income to average assets | 0.6054% | 3,097 |
| Noninterest expense to average assets | 2.8828% | 4,091 |
| Loan and lease loss provision to assets | 0.3972% | 2,430 |
| Net operating income to assets | 0.5478% | 4,319 |
| Return on assets (ROA) | 0.5478% | 4,448 |
| Pretax return on assets | 0.6936% | 4,406 |
| Return on Equity (ROE) | 6.0311% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.3781% | 4,778 |
| Net charge-offs to loans | 0.7698% | 1,962 |
| Credit loss provision to net charge-offs | 81.2270% | 3,731 |
| Earnings coverage of net charge-offs (x) | 2.2307% | 3,719 |
| Efficiency ratio | 72.0670% | 3,719 |
| Assets per employee ($millions) | 3.8224% | 4,144 |
| Cash dividends to net income (ytd only)* | 60.5696% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,824 |
| Loan loss allowance to noncurrent loans | 58.6173% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 4,148 |
| Noncurrent loans to loans | 1.9294% | 3,568 |
| Net loans and leases to total assets | 62.8559% | 3,708 |
| Net loans and leases to deposits | 84.4120% | 2,045 |
| Net loans and leases to core deposits | 93.9405% | 1,900 |
| Total domestic deposits to total assets | 74.4632% | 6,788 |
| Equity capital to assets | 9.2970% | 5,139 |
| Core capital (leverage) ratio | 8.9824% | 4,753 |
| Tier 1 risk-based capital ratio | 14.7189% | 3,662 |
| Total risk-based capital ratio | 15.9033% | 3,664 |
| Memoranda: | ||
| Average total assets | $333,353,000 | 1,957 |
| Average earning assets | $305,118,670 | 1,943 |
| Average equity | $30,276,330 | 2,170 |
| Average total loans | $211,756,670 | 1,983 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 3,576 |
| Cost of funding earning assets | 1.2920% | 2,231 |
| Net interest margin | 3.6115% | 4,519 |
| Noninterest income to average assets | 0.5813% | 3,300 |
| Noninterest expense to average assets | 2.8308% | 4,327 |
| Loan and lease loss provision to assets | 0.3595% | 2,399 |
| Net operating income to assets | 0.5441% | 4,298 |
| Return on assets (ROA) | 0.5441% | 4,378 |
| Pretax return on assets | 0.6975% | 4,310 |
| Return on Equity (ROE) | 6.0622% | 3,869 |
| Retained earnings to average equity (ytd only) | -1.3219% | 6,050 |
| Net charge-offs to loans | 0.4568% | 2,325 |
| Credit loss provision to net charge-offs | 123.9669% | 2,220 |
| Earnings coverage of net charge-offs (x) | 3.6446% | 2,681 |
| Efficiency ratio | 72.6572% | 3,740 |
| Assets per employee ($millions) | 3.7825% | 4,339 |
| Cash dividends to net income (ytd only)* | 121.8062% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,471 |
| Loan loss allowance to noncurrent loans | 58.1193% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6674% | 3,751 |
| Noncurrent loans to loans | 2.1194% | 3,419 |
| Net loans and leases to total assets | 62.6804% | 3,723 |
| Net loans and leases to deposits | 82.9571% | 2,192 |
| Net loans and leases to core deposits | 94.2145% | 1,865 |
| Total domestic deposits to total assets | 75.5576% | 6,732 |
| Equity capital to assets | 9.0278% | 5,161 |
| Core capital (leverage) ratio | 8.6275% | 5,216 |
| Tier 1 risk-based capital ratio | 14.0235% | 4,059 |
| Total risk-based capital ratio | 15.2708% | 4,038 |
| Memoranda: | ||
| Average total assets | $333,755,500 | 1,965 |
| Average earning assets | $305,582,500 | 1,949 |
| Average equity | $29,956,000 | 2,178 |
| Average total loans | $211,926,500 | 1,996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 3,966 |
| Cost of funding earning assets | 1.5543% | 2,335 |
| Net interest margin | 3.5744% | 4,944 |
| Noninterest income to average assets | 0.7352% | 2,620 |
| Noninterest expense to average assets | 2.7912% | 4,639 |
| Loan and lease loss provision to assets | 0.4276% | 3,550 |
| Net operating income to assets | 0.6437% | 3,466 |
| Return on assets (ROA) | 0.6924% | 3,389 |
| Pretax return on assets | 0.8554% | 3,458 |
| Return on Equity (ROE) | 7.8800% | 2,747 |
| Retained earnings to average equity (ytd only) | 6.0074% | 1,808 |
| Net charge-offs to loans | 0.7181% | 2,862 |
| Credit loss provision to net charge-offs | 90.0940% | 5,129 |
| Earnings coverage of net charge-offs (x) | 2.5768% | 3,819 |
| Efficiency ratio | 68.6309% | 4,436 |
| Assets per employee ($millions) | 3.7601% | 4,343 |
| Cash dividends to net income (ytd only)* | 23.7645% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 5,536 |
| Loan loss allowance to noncurrent loans | 56.0873% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 3,907 |
| Noncurrent loans to loans | 2.1325% | 3,392 |
| Net loans and leases to total assets | 62.7729% | 4,117 |
| Net loans and leases to deposits | 82.6715% | 2,686 |
| Net loans and leases to core deposits | 96.4433% | 1,951 |
| Total domestic deposits to total assets | 75.9304% | 6,640 |
| Equity capital to assets | 8.9233% | 5,250 |
| Core capital (leverage) ratio | 8.6469% | 5,110 |
| Tier 1 risk-based capital ratio | 13.9780% | 3,887 |
| Total risk-based capital ratio | 15.1889% | 3,877 |
| Memoranda: | ||
| Average total assets | $336,087,800 | 1,938 |
| Average earning assets | $308,306,800 | 1,931 |
| Average equity | $29,530,400 | 2,207 |
| Average total loans | $222,106,600 | 1,950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 4,486 |
| Cost of funding earning assets | 1.6065% | 2,352 |
| Net interest margin | 3.4622% | 5,444 |
| Noninterest income to average assets | 0.7438% | 2,557 |
| Noninterest expense to average assets | 2.7514% | 4,680 |
| Loan and lease loss provision to assets | 0.2972% | 4,200 |
| Net operating income to assets | 0.7059% | 3,389 |
| Return on assets (ROA) | 0.7062% | 3,535 |
| Pretax return on assets | 0.8718% | 3,657 |
| Return on Equity (ROE) | 8.0684% | 2,871 |
| Retained earnings to average equity (ytd only) | 5.5646% | 2,611 |
| Net charge-offs to loans | 0.5150% | 3,230 |
| Credit loss provision to net charge-offs | 86.5052% | 4,901 |
| Earnings coverage of net charge-offs (x) | 3.4014% | 3,469 |
| Efficiency ratio | 70.1880% | 4,025 |
| Assets per employee ($millions) | 3.8903% | 4,052 |
| Cash dividends to net income (ytd only)* | 31.0323% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,642 |
| Loan loss allowance to noncurrent loans | 64.4638% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 4,273 |
| Noncurrent loans to loans | 1.8085% | 3,936 |
| Net loans and leases to total assets | 63.2923% | 4,258 |
| Net loans and leases to deposits | 82.5812% | 2,987 |
| Net loans and leases to core deposits | 93.1165% | 2,642 |
| Total domestic deposits to total assets | 76.6426% | 6,550 |
| Equity capital to assets | 8.7532% | 5,931 |
| Core capital (leverage) ratio | 8.6139% | 5,326 |
| Tier 1 risk-based capital ratio | 13.4685% | 4,225 |
| Total risk-based capital ratio | 14.6767% | 4,207 |
| Memoranda: | ||
| Average total assets | $336,447,000 | 1,966 |
| Average earning assets | $308,656,000 | 1,960 |
| Average equity | $29,447,500 | 2,240 |
| Average total loans | $224,480,000 | 1,963 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 4,424 |
| Cost of funding earning assets | 1.6544% | 2,365 |
| Net interest margin | 3.4508% | 5,437 |
| Noninterest income to average assets | 0.6837% | 2,795 |
| Noninterest expense to average assets | 2.7679% | 4,628 |
| Loan and lease loss provision to assets | 0.3001% | 3,992 |
| Net operating income to assets | 0.6334% | 3,715 |
| Return on assets (ROA) | 0.6339% | 3,851 |
| Pretax return on assets | 0.7828% | 3,938 |
| Return on Equity (ROE) | 7.2425% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.4498% | 3,911 |
| Net charge-offs to loans | 0.2440% | 4,136 |
| Credit loss provision to net charge-offs | 181.8182% | 2,161 |
| Earnings coverage of net charge-offs (x) | 6.5564% | 2,443 |
| Efficiency ratio | 71.8117% | 3,850 |
| Assets per employee ($millions) | 3.7405% | 4,369 |
| Cash dividends to net income (ytd only)* | 52.3674% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,986 |
| Loan loss allowance to noncurrent loans | 72.1647% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 4,162 |
| Noncurrent loans to loans | 1.7869% | 4,018 |
| Net loans and leases to total assets | 68.0694% | 3,342 |
| Net loans and leases to deposits | 90.4087% | 1,788 |
| Net loans and leases to core deposits | 104.0397% | 1,635 |
| Total domestic deposits to total assets | 75.2907% | 6,812 |
| Equity capital to assets | 8.9390% | 5,543 |
| Core capital (leverage) ratio | 8.4793% | 5,449 |
| Tier 1 risk-based capital ratio | 13.0511% | 4,397 |
| Total risk-based capital ratio | 14.3025% | 4,349 |
| Memoranda: | ||
| Average total assets | $333,182,330 | 1,998 |
| Average earning assets | $305,724,000 | 1,995 |
| Average equity | $29,161,000 | 2,249 |
| Average total loans | $225,397,000 | 1,983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,828 |
| Cost of funding earning assets | 1.6591% | 2,605 |
| Net interest margin | 3.3819% | 5,657 |
| Noninterest income to average assets | 0.6265% | 3,108 |
| Noninterest expense to average assets | 2.7554% | 4,674 |
| Loan and lease loss provision to assets | 0.2983% | 3,648 |
| Net operating income to assets | 0.5527% | 4,127 |
| Return on assets (ROA) | 0.5537% | 4,260 |
| Pretax return on assets | 0.6826% | 4,302 |
| Return on Equity (ROE) | 6.3935% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.3935% | 2,421 |
| Net charge-offs to loans | 0.0748% | 4,666 |
| Credit loss provision to net charge-offs | 595.2381% | 738 |
| Earnings coverage of net charge-offs (x) | 19.5476% | 1,193 |
| Efficiency ratio | 73.7061% | 3,621 |
| Assets per employee ($millions) | 3.7277% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,998 |
| Loan loss allowance to noncurrent loans | 76.2779% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 4,195 |
| Noncurrent loans to loans | 1.6891% | 4,213 |
| Net loans and leases to total assets | 66.4532% | 3,757 |
| Net loans and leases to deposits | 88.5044% | 2,133 |
| Net loans and leases to core deposits | 102.0535% | 1,899 |
| Total domestic deposits to total assets | 75.0846% | 6,894 |
| Equity capital to assets | 8.6964% | 5,738 |
| Core capital (leverage) ratio | 8.3950% | 5,572 |
| Tier 1 risk-based capital ratio | 13.1328% | 4,248 |
| Total risk-based capital ratio | 14.3841% | 4,203 |
| Memoranda: | ||
| Average total assets | $335,191,500 | 2,043 |
| Average earning assets | $308,110,000 | 2,027 |
| Average equity | $29,029,500 | 2,287 |
| Average total loans | $224,602,000 | 2,038 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 4,445 |
| Cost of funding earning assets | 2.0714% | 2,621 |
| Net interest margin | 3.3769% | 5,458 |
| Noninterest income to average assets | 0.6982% | 2,993 |
| Noninterest expense to average assets | 2.7735% | 5,075 |
| Loan and lease loss provision to assets | 0.3376% | 4,778 |
| Net operating income to assets | 0.5540% | 3,511 |
| Return on assets (ROA) | 0.5948% | 3,433 |
| Pretax return on assets | 0.7188% | 3,511 |
| Return on Equity (ROE) | 6.9168% | 2,819 |
| Retained earnings to average equity (ytd only) | 2.9694% | 3,087 |
| Net charge-offs to loans | 0.4862% | 3,827 |
| Credit loss provision to net charge-offs | 100.2735% | 5,499 |
| Earnings coverage of net charge-offs (x) | 2.9918% | 3,583 |
| Efficiency ratio | 73.3095% | 4,033 |
| Assets per employee ($millions) | 3.7210% | 4,474 |
| Cash dividends to net income (ytd only)* | 57.0691% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,298 |
| Loan loss allowance to noncurrent loans | 91.2221% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 4,399 |
| Noncurrent loans to loans | 1.3262% | 4,704 |
| Net loans and leases to total assets | 65.8862% | 4,182 |
| Net loans and leases to deposits | 86.8326% | 2,771 |
| Net loans and leases to core deposits | 112.7863% | 2,618 |
| Total domestic deposits to total assets | 75.8773% | 6,701 |
| Equity capital to assets | 8.6247% | 5,699 |
| Core capital (leverage) ratio | 8.2196% | 5,777 |
| Tier 1 risk-based capital ratio | 13.1877% | 4,021 |
| Total risk-based capital ratio | 14.4381% | 3,970 |
| Memoranda: | ||
| Average total assets | $325,828,000 | 2,076 |
| Average earning assets | $297,435,400 | 2,091 |
| Average equity | $28,018,800 | 2,369 |
| Average total loans | $225,645,800 | 2,056 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 4,350 |
| Cost of funding earning assets | 2.1714% | 2,549 |
| Net interest margin | 3.3421% | 5,479 |
| Noninterest income to average assets | 0.6750% | 3,182 |
| Noninterest expense to average assets | 2.7621% | 5,057 |
| Loan and lease loss provision to assets | 0.2781% | 4,748 |
| Net operating income to assets | 0.5464% | 3,804 |
| Return on assets (ROA) | 0.5991% | 3,660 |
| Pretax return on assets | 0.7450% | 3,711 |
| Return on Equity (ROE) | 6.9728% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.3208% | 2,854 |
| Net charge-offs to loans | 0.4014% | 3,656 |
| Credit loss provision to net charge-offs | 99.1189% | 5,160 |
| Earnings coverage of net charge-offs (x) | 3.4112% | 3,543 |
| Efficiency ratio | 74.2078% | 3,836 |
| Assets per employee ($millions) | 3.6467% | 4,554 |
| Cash dividends to net income (ytd only)* | 38.0327% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 5,123 |
| Loan loss allowance to noncurrent loans | 94.9577% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 4,452 |
| Noncurrent loans to loans | 1.2620% | 4,835 |
| Net loans and leases to total assets | 66.9081% | 4,208 |
| Net loans and leases to deposits | 88.6331% | 2,847 |
| Net loans and leases to core deposits | 111.1154% | 3,111 |
| Total domestic deposits to total assets | 75.4889% | 6,676 |
| Equity capital to assets | 8.6555% | 6,023 |
| Core capital (leverage) ratio | 8.4348% | 5,606 |
| Tier 1 risk-based capital ratio | 13.1389% | 4,093 |
| Total risk-based capital ratio | 14.3870% | 4,029 |
| Memoranda: | ||
| Average total assets | $323,563,000 | 2,106 |
| Average earning assets | $294,737,000 | 2,120 |
| Average equity | $27,802,750 | 2,403 |
| Average total loans | $226,220,500 | 2,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 3,628 |
| Cost of funding earning assets | 2.2609% | 2,523 |
| Net interest margin | 3.4250% | 5,080 |
| Noninterest income to average assets | 0.6590% | 3,273 |
| Noninterest expense to average assets | 2.8385% | 4,786 |
| Loan and lease loss provision to assets | 0.2805% | 4,329 |
| Net operating income to assets | 0.5168% | 4,029 |
| Return on assets (ROA) | 0.5966% | 3,799 |
| Pretax return on assets | 0.7487% | 3,834 |
| Return on Equity (ROE) | 6.9610% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.9386% | 3,694 |
| Net charge-offs to loans | 0.3926% | 3,239 |
| Credit loss provision to net charge-offs | 101.1236% | 4,516 |
| Earnings coverage of net charge-offs (x) | 3.3506% | 3,467 |
| Efficiency ratio | 75.2482% | 3,839 |
| Assets per employee ($millions) | 3.3495% | 5,191 |
| Cash dividends to net income (ytd only)* | 57.7847% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,941 |
| Loan loss allowance to noncurrent loans | 111.8280% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 4,572 |
| Noncurrent loans to loans | 1.0731% | 5,062 |
| Net loans and leases to total assets | 69.9626% | 3,713 |
| Net loans and leases to deposits | 94.0031% | 2,089 |
| Net loans and leases to core deposits | 121.2519% | 2,257 |
| Total domestic deposits to total assets | 74.4258% | 6,882 |
| Equity capital to assets | 8.6549% | 5,817 |
| Core capital (leverage) ratio | 8.5520% | 5,354 |
| Tier 1 risk-based capital ratio | 12.8395% | 4,254 |
| Total risk-based capital ratio | 14.0900% | 4,176 |
| Memoranda: | ||
| Average total assets | $320,802,000 | 2,146 |
| Average earning assets | $291,208,330 | 2,163 |
| Average equity | $27,496,000 | 2,439 |
| Average total loans | $226,719,000 | 2,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 3,559 |
| Cost of funding earning assets | 2.2977% | 2,708 |
| Net interest margin | 3.4473% | 4,952 |
| Noninterest income to average assets | 0.5489% | 3,927 |
| Noninterest expense to average assets | 2.7333% | 4,857 |
| Loan and lease loss provision to assets | 0.2794% | 3,718 |
| Net operating income to assets | 0.5229% | 4,324 |
| Return on assets (ROA) | 0.6681% | 3,892 |
| Pretax return on assets | 0.8445% | 3,909 |
| Return on Equity (ROE) | 7.8329% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.8329% | 1,880 |
| Net charge-offs to loans | 0.3905% | 2,535 |
| Credit loss provision to net charge-offs | 101.3514% | 3,685 |
| Earnings coverage of net charge-offs (x) | 3.4099% | 3,187 |
| Efficiency ratio | 74.4084% | 3,751 |
| Assets per employee ($millions) | 3.4436% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 4,873 |
| Loan loss allowance to noncurrent loans | 96.1224% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,102 |
| Noncurrent loans to loans | 1.2377% | 4,496 |
| Net loans and leases to total assets | 70.0742% | 3,651 |
| Net loans and leases to deposits | 94.6851% | 2,155 |
| Net loans and leases to core deposits | 123.3396% | 2,129 |
| Total domestic deposits to total assets | 74.0077% | 6,890 |
| Equity capital to assets | 8.7209% | 5,736 |
| Core capital (leverage) ratio | 8.4722% | 5,596 |
| Tier 1 risk-based capital ratio | 12.8564% | 4,284 |
| Total risk-based capital ratio | 14.1065% | 4,207 |
| Memoranda: | ||
| Average total assets | $322,103,000 | 2,151 |
| Average earning assets | $291,939,000 | 2,173 |
| Average equity | $27,474,000 | 2,457 |
| Average total loans | $227,416,000 | 2,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2343% | 4,334 |
| Cost of funding earning assets | 2.8642% | 2,419 |
| Net interest margin | 3.3700% | 5,784 |
| Noninterest income to average assets | 0.5575% | 4,182 |
| Noninterest expense to average assets | 2.5019% | 5,995 |
| Loan and lease loss provision to assets | 0.2551% | 4,365 |
| Net operating income to assets | 0.6827% | 3,969 |
| Return on assets (ROA) | 0.7386% | 3,560 |
| Pretax return on assets | 0.9331% | 3,606 |
| Return on Equity (ROE) | 8.8261% | 2,704 |
| Retained earnings to average equity (ytd only) | 3.8147% | 2,758 |
| Net charge-offs to loans | 0.2367% | 3,882 |
| Credit loss provision to net charge-offs | 149.8127% | 3,515 |
| Earnings coverage of net charge-offs (x) | 6.5618% | 3,334 |
| Efficiency ratio | 69.1250% | 4,501 |
| Assets per employee ($millions) | 3.4100% | 4,917 |
| Cash dividends to net income (ytd only)* | 56.7789% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,658 |
| Loan loss allowance to noncurrent loans | 87.9440% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 3,565 |
| Noncurrent loans to loans | 1.3477% | 3,826 |
| Net loans and leases to total assets | 69.4596% | 4,152 |
| Net loans and leases to deposits | 96.0691% | 2,441 |
| Net loans and leases to core deposits | 123.9224% | 2,334 |
| Total domestic deposits to total assets | 72.3016% | 6,945 |
| Equity capital to assets | 8.3404% | 6,357 |
| Core capital (leverage) ratio | 8.2315% | 6,102 |
| Tier 1 risk-based capital ratio | 12.5817% | 4,388 |
| Total risk-based capital ratio | 13.8319% | 4,289 |
| Memoranda: | ||
| Average total assets | $313,563,600 | 2,132 |
| Average earning assets | $284,893,200 | 2,140 |
| Average equity | $26,240,400 | 2,533 |
| Average total loans | $225,649,200 | 2,077 |