Home > Bank of Idaho > Performance and Condition Ratios
Bank of Idaho, 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 | 5.9812% | 651 |
| Cost of funding earning assets | 1.0080% | 3,274 |
| Net interest margin | 4.9733% | 328 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.5682% | 534 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.8991% | 2,549 |
| Return on assets (ROA) | 0.9093% | 2,487 |
| Pretax return on assets | 1.2536% | 1,997 |
| Return on Equity (ROE) | 7.6600% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.6583% | 1,653 |
| Net charge-offs to loans | 0.1649% | 636 |
| Credit loss provision to net charge-offs | 267.2546% | 1,023 |
| Earnings coverage of net charge-offs (x) | 12.5667% | 2,143 |
| Efficiency ratio | 68.3004% | 2,070 |
| Assets per employee ($millions) | 5.6313% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,378 |
| Loan loss allowance to noncurrent loans | 280.4754% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 1,630 |
| Noncurrent loans to loans | 0.4226% | 1,725 |
| Net loans and leases to total assets | 76.9500% | 981 |
| Net loans and leases to deposits | 91.2696% | 1,162 |
| Net loans and leases to core deposits | 99.9638% | 1,440 |
| Total domestic deposits to total assets | 84.3200% | 2,531 |
| Equity capital to assets | 11.4321% | 1,319 |
| Core capital (leverage) ratio | 12.3156% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9838% | 1,534 |
| Memoranda: | ||
| Average total assets | $1,039,981,800 | 950 |
| Average earning assets | $985,346,000 | 922 |
| Average equity | $123,487,000 | 803 |
| Average total loans | $790,858,200 | 872 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9191% | 588 |
| Cost of funding earning assets | 0.8783% | 3,324 |
| Net interest margin | 5.0407% | 294 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 3.6630% | 462 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.9232% | 2,605 |
| Return on assets (ROA) | 0.9374% | 2,544 |
| Pretax return on assets | 1.3032% | 2,033 |
| Return on Equity (ROE) | 7.8100% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.8128% | 2,036 |
| Net charge-offs to loans | 0.1039% | 761 |
| Credit loss provision to net charge-offs | 348.6622% | 799 |
| Earnings coverage of net charge-offs (x) | 19.8595% | 1,822 |
| Efficiency ratio | 69.0683% | 1,892 |
| Assets per employee ($millions) | 4.9626% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,506 |
| Loan loss allowance to noncurrent loans | 145.0673% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 901 |
| Noncurrent loans to loans | 0.8085% | 1,026 |
| Net loans and leases to total assets | 78.1800% | 858 |
| Net loans and leases to deposits | 90.3532% | 1,211 |
| Net loans and leases to core deposits | 95.4932% | 1,584 |
| Total domestic deposits to total assets | 86.5300% | 2,032 |
| Equity capital to assets | 11.7117% | 1,123 |
| Core capital (leverage) ratio | 12.5842% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9558% | 1,579 |
| Memoranda: | ||
| Average total assets | $1,015,598,750 | 973 |
| Average earning assets | $961,028,500 | 938 |
| Average equity | $121,848,250 | 808 |
| Average total loans | $767,106,000 | 894 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 568 |
| Cost of funding earning assets | 0.7324% | 3,401 |
| Net interest margin | 5.0458% | 296 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.7327% | 426 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.8442% | 2,945 |
| Return on assets (ROA) | 0.8643% | 2,874 |
| Pretax return on assets | 1.2073% | 2,340 |
| Return on Equity (ROE) | 7.0800% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.0773% | 2,258 |
| Net charge-offs to loans | 0.0005% | 2,431 |
| Credit loss provision to net charge-offs | 70,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 3,668.5000% | 28 |
| Efficiency ratio | 70.7499% | 1,691 |
| Assets per employee ($millions) | 4.7349% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,241 |
| Loan loss allowance to noncurrent loans | 1,186.3415% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 2,978 |
| Noncurrent loans to loans | 0.1043% | 2,969 |
| Net loans and leases to total assets | 74.8700% | 1,186 |
| Net loans and leases to deposits | 85.8360% | 1,514 |
| Net loans and leases to core deposits | 90.0110% | 1,795 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 11.8849% | 1,079 |
| Core capital (leverage) ratio | 12.8518% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3340% | 1,480 |
| Memoranda: | ||
| Average total assets | $1,003,092,667 | 973 |
| Average earning assets | $948,983,000 | 942 |
| Average equity | $122,504,333 | 795 |
| Average total loans | $744,067,667 | 902 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 493 |
| Cost of funding earning assets | 0.5801% | 3,443 |
| Net interest margin | 5.0646% | 272 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.8610% | 392 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | 0.6980% | 3,472 |
| Return on assets (ROA) | 0.7406% | 3,325 |
| Pretax return on assets | 1.0546% | 2,848 |
| Return on Equity (ROE) | 5.9800% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.9802% | 2,767 |
| Net charge-offs to loans | -0.0061% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.8176% | 1,459 |
| Assets per employee ($millions) | 5.3053% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,341 |
| Loan loss allowance to noncurrent loans | 1,203.9164% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,028 |
| Noncurrent loans to loans | 0.1029% | 3,021 |
| Net loans and leases to total assets | 74.1300% | 1,185 |
| Net loans and leases to deposits | 85.6986% | 1,379 |
| Net loans and leases to core deposits | 88.3743% | 1,719 |
| Total domestic deposits to total assets | 86.5000% | 2,445 |
| Equity capital to assets | 12.5249% | 866 |
| Core capital (leverage) ratio | 12.8455% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1887% | 1,331 |
| Memoranda: | ||
| Average total assets | $986,164,000 | 1,003 |
| Average earning assets | $936,311,500 | 970 |
| Average equity | $122,136,500 | 805 |
| Average total loans | $723,043,000 | 932 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 565 |
| Cost of funding earning assets | 0.1009% | 4,388 |
| Net interest margin | 4.5458% | 270 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 3.7225% | 410 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8464% | 3,168 |
| Return on assets (ROA) | 0.8208% | 3,186 |
| Pretax return on assets | 1.1566% | 2,582 |
| Return on Equity (ROE) | 7.8700% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.8667% | 1,891 |
| Net charge-offs to loans | -0.0714% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.9605% | 1,120 |
| Assets per employee ($millions) | 4.6456% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,772 |
| Loan loss allowance to noncurrent loans | 967.8133% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 2,970 |
| Noncurrent loans to loans | 0.1160% | 2,948 |
| Net loans and leases to total assets | 70.7500% | 1,553 |
| Net loans and leases to deposits | 81.5978% | 1,649 |
| Net loans and leases to core deposits | 82.4499% | 1,973 |
| Total domestic deposits to total assets | 86.7100% | 2,491 |
| Equity capital to assets | 12.2434% | 867 |
| Core capital (leverage) ratio | 12.5190% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4846% | 1,238 |
| Memoranda: | ||
| Average total assets | $859,412,600 | 1,123 |
| Average earning assets | $820,974,000 | 1,082 |
| Average equity | $89,669,600 | 1,035 |
| Average total loans | $572,906,800 | 1,070 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 770 |
| Cost of funding earning assets | 0.0509% | 4,575 |
| Net interest margin | 4.2240% | 396 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.6910% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6780% | 3,626 |
| Return on assets (ROA) | 0.6766% | 3,589 |
| Pretax return on assets | 0.9916% | 3,041 |
| Return on Equity (ROE) | 6.8400% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.8351% | 2,431 |
| Net charge-offs to loans | -0.0860% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.4677% | 876 |
| Assets per employee ($millions) | 4.8081% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,556 |
| Loan loss allowance to noncurrent loans | 491.2236% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,513 |
| Noncurrent loans to loans | 0.2433% | 2,410 |
| Net loans and leases to total assets | 64.0200% | 2,083 |
| Net loans and leases to deposits | 73.3208% | 2,103 |
| Net loans and leases to core deposits | 73.9216% | 2,355 |
| Total domestic deposits to total assets | 87.3100% | 2,663 |
| Equity capital to assets | 11.6774% | 945 |
| Core capital (leverage) ratio | 12.7925% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5762% | 1,072 |
| Memoranda: | ||
| Average total assets | $829,207,750 | 1,164 |
| Average earning assets | $793,663,250 | 1,131 |
| Average equity | $82,083,500 | 1,120 |
| Average total loans | $540,774,750 | 1,112 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 794 |
| Cost of funding earning assets | 0.0437% | 4,629 |
| Net interest margin | 4.0414% | 455 |
| Noninterest income to average assets | 0.7784% | 1,106 |
| Noninterest expense to average assets | 3.4849% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8526% | 2,763 |
| Return on assets (ROA) | 0.8503% | 2,748 |
| Pretax return on assets | 1.1761% | 2,147 |
| Return on Equity (ROE) | 9.3016% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.3016% | 1,201 |
| Net charge-offs to loans | -0.0741% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7221% | 1,421 |
| Assets per employee ($millions) | 4.7778% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,808 |
| Loan loss allowance to noncurrent loans | 578.7972% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 2,605 |
| Noncurrent loans to loans | 0.2393% | 2,524 |
| Net loans and leases to total assets | 65.0335% | 1,807 |
| Net loans and leases to deposits | 72.0657% | 2,017 |
| Net loans and leases to core deposits | 72.3187% | 2,307 |
| Total domestic deposits to total assets | 90.2421% | 1,614 |
| Equity capital to assets | 8.5612% | 2,716 |
| Core capital (leverage) ratio | 9.6686% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7695% | 2,172 |
| Memoranda: | ||
| Average total assets | $775,453,667 | 1,217 |
| Average earning assets | $745,541,000 | 1,193 |
| Average equity | $70,891,000 | 1,281 |
| Average total loans | $507,124,667 | 1,157 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 838 |
| Cost of funding earning assets | 0.0441% | 4,639 |
| Net interest margin | 3.9144% | 483 |
| Noninterest income to average assets | 0.8826% | 862 |
| Noninterest expense to average assets | 3.2285% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0183% | 1,800 |
| Return on assets (ROA) | 1.0166% | 1,796 |
| Pretax return on assets | 1.4234% | 1,195 |
| Return on Equity (ROE) | 10.7477% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.7477% | 833 |
| Net charge-offs to loans | -0.1242% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3705% | 2,320 |
| Assets per employee ($millions) | 4.9488% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,635 |
| Loan loss allowance to noncurrent loans | 396.9713% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,168 |
| Noncurrent loans to loans | 0.3715% | 2,155 |
| Net loans and leases to total assets | 65.0714% | 1,502 |
| Net loans and leases to deposits | 72.5708% | 1,740 |
| Net loans and leases to core deposits | 72.8057% | 2,044 |
| Total domestic deposits to total assets | 89.6661% | 1,734 |
| Equity capital to assets | 9.3472% | 2,403 |
| Core capital (leverage) ratio | 10.2524% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8963% | 1,841 |
| Memoranda: | ||
| Average total assets | $752,289,500 | 1,256 |
| Average earning assets | $724,805,000 | 1,218 |
| Average equity | $71,159,500 | 1,314 |
| Average total loans | $489,716,500 | 1,177 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 1,302 |
| Cost of funding earning assets | 0.0588% | 4,647 |
| Net interest margin | 3.9676% | 754 |
| Noninterest income to average assets | 1.5935% | 442 |
| Noninterest expense to average assets | 3.9908% | 290 |
| Loan and lease loss provision to assets | 0.0709% | 1,668 |
| Net operating income to assets | 0.9862% | 2,732 |
| Return on assets (ROA) | 1.0000% | 2,735 |
| Pretax return on assets | 1.3644% | 2,159 |
| Return on Equity (ROE) | 10.1349% | 2,477 |
| Retained earnings to average equity (ytd only) | 10.1349% | 885 |
| Net charge-offs to loans | -0.0249% | 4,058 |
| Credit loss provision to net charge-offs | -427.2727% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7875% | 1,329 |
| Assets per employee ($millions) | 4.7891% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,397 |
| Loan loss allowance to noncurrent loans | 286.5309% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,839 |
| Noncurrent loans to loans | 0.5402% | 1,775 |
| Net loans and leases to total assets | 63.1180% | 1,806 |
| Net loans and leases to deposits | 70.5144% | 2,074 |
| Net loans and leases to core deposits | 70.8079% | 2,375 |
| Total domestic deposits to total assets | 89.5108% | 1,232 |
| Equity capital to assets | 9.5753% | 3,068 |
| Core capital (leverage) ratio | 9.5203% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1075% | 1,810 |
| Memoranda: | ||
| Average total assets | $663,317,800 | 1,335 |
| Average earning assets | $637,821,800 | 1,307 |
| Average equity | $65,447,200 | 1,416 |
| Average total loans | $441,612,400 | 1,283 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 1,276 |
| Cost of funding earning assets | 0.0625% | 4,726 |
| Net interest margin | 4.0504% | 712 |
| Noninterest income to average assets | 1.6260% | 474 |
| Noninterest expense to average assets | 3.8390% | 324 |
| Loan and lease loss provision to assets | 0.0765% | 1,527 |
| Net operating income to assets | 1.1603% | 2,326 |
| Return on assets (ROA) | 1.1781% | 2,297 |
| Pretax return on assets | 1.6171% | 1,646 |
| Return on Equity (ROE) | 11.8400% | 2,100 |
| Retained earnings to average equity (ytd only) | 11.8400% | 871 |
| Net charge-offs to loans | -0.0240% | 4,043 |
| Credit loss provision to net charge-offs | -474.3590% | 3,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6727% | 1,636 |
| Assets per employee ($millions) | 4.6921% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,205 |
| Loan loss allowance to noncurrent loans | 239.4071% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,792 |
| Noncurrent loans to loans | 0.6922% | 1,595 |
| Net loans and leases to total assets | 59.4147% | 2,330 |
| Net loans and leases to deposits | 66.5467% | 2,581 |
| Net loans and leases to core deposits | 66.7070% | 2,889 |
| Total domestic deposits to total assets | 89.2827% | 1,127 |
| Equity capital to assets | 9.7761% | 3,128 |
| Core capital (leverage) ratio | 9.9285% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3894% | 1,517 |
| Memoranda: | ||
| Average total assets | $644,767,500 | 1,387 |
| Average earning assets | $618,297,000 | 1,355 |
| Average equity | $64,154,000 | 1,454 |
| Average total loans | $433,809,250 | 1,321 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 1,096 |
| Cost of funding earning assets | 0.0687% | 4,751 |
| Net interest margin | 4.1790% | 608 |
| Noninterest income to average assets | 1.8882% | 363 |
| Noninterest expense to average assets | 3.9559% | 300 |
| Loan and lease loss provision to assets | 0.0709% | 1,636 |
| Net operating income to assets | 1.3642% | 1,668 |
| Return on assets (ROA) | 1.3907% | 1,659 |
| Pretax return on assets | 1.8943% | 1,034 |
| Return on Equity (ROE) | 13.8837% | 1,446 |
| Retained earnings to average equity (ytd only) | 13.8837% | 564 |
| Net charge-offs to loans | 0.0595% | 1,022 |
| Credit loss provision to net charge-offs | 170.5426% | 1,113 |
| Earnings coverage of net charge-offs (x) | 46.4496% | 1,099 |
| Efficiency ratio | 67.1905% | 1,985 |
| Assets per employee ($millions) | 4.2378% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,281 |
| Loan loss allowance to noncurrent loans | 164.8564% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 1,322 |
| Noncurrent loans to loans | 0.9687% | 1,276 |
| Net loans and leases to total assets | 63.6592% | 1,984 |
| Net loans and leases to deposits | 71.4417% | 2,261 |
| Net loans and leases to core deposits | 71.6287% | 2,636 |
| Total domestic deposits to total assets | 89.1066% | 1,225 |
| Equity capital to assets | 9.6867% | 3,165 |
| Core capital (leverage) ratio | 9.5472% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5445% | 1,790 |
| Memoranda: | ||
| Average total assets | $620,394,667 | 1,423 |
| Average earning assets | $593,730,000 | 1,393 |
| Average equity | $62,145,000 | 1,481 |
| Average total loans | $433,840,000 | 1,321 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 628 |
| Cost of funding earning assets | 0.0724% | 4,785 |
| Net interest margin | 4.5556% | 332 |
| Noninterest income to average assets | 1.7699% | 458 |
| Noninterest expense to average assets | 4.0150% | 279 |
| Loan and lease loss provision to assets | 0.1467% | 896 |
| Net operating income to assets | 1.4529% | 1,436 |
| Return on assets (ROA) | 1.4892% | 1,419 |
| Pretax return on assets | 2.0172% | 920 |
| Return on Equity (ROE) | 14.6017% | 1,300 |
| Retained earnings to average equity (ytd only) | 14.6017% | 672 |
| Net charge-offs to loans | 0.1382% | 544 |
| Credit loss provision to net charge-offs | 145.6954% | 991 |
| Earnings coverage of net charge-offs (x) | 21.0397% | 1,232 |
| Efficiency ratio | 65.4674% | 2,305 |
| Assets per employee ($millions) | 4.1131% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,250 |
| Loan loss allowance to noncurrent loans | 156.5777% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 1,349 |
| Noncurrent loans to loans | 1.0301% | 1,302 |
| Net loans and leases to total assets | 66.4280% | 1,741 |
| Net loans and leases to deposits | 74.7920% | 2,041 |
| Net loans and leases to core deposits | 75.0346% | 2,429 |
| Total domestic deposits to total assets | 88.8169% | 1,432 |
| Equity capital to assets | 9.7691% | 2,931 |
| Core capital (leverage) ratio | 10.1057% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6504% | 1,690 |
| Memoranda: | ||
| Average total assets | $600,044,500 | 1,451 |
| Average earning assets | $574,683,500 | 1,421 |
| Average equity | $61,198,500 | 1,489 |
| Average total loans | $436,921,000 | 1,311 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,102 |
| Cost of funding earning assets | 0.1256% | 4,799 |
| Net interest margin | 4.4700% | 349 |
| Noninterest income to average assets | 1.7013% | 436 |
| Noninterest expense to average assets | 4.5025% | 256 |
| Loan and lease loss provision to assets | 0.5133% | 464 |
| Net operating income to assets | 0.6641% | 3,543 |
| Return on assets (ROA) | 0.6964% | 3,578 |
| Pretax return on assets | 0.9606% | 3,177 |
| Return on Equity (ROE) | 6.4405% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.4405% | 1,613 |
| Net charge-offs to loans | 0.0508% | 2,065 |
| Credit loss provision to net charge-offs | 1,325.5102% | 628 |
| Earnings coverage of net charge-offs (x) | 37.0051% | 1,448 |
| Efficiency ratio | 75.8571% | 1,249 |
| Assets per employee ($millions) | 3.7575% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,610 |
| Loan loss allowance to noncurrent loans | 83.9646% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 554 |
| Noncurrent loans to loans | 1.7767% | 709 |
| Net loans and leases to total assets | 77.4039% | 657 |
| Net loans and leases to deposits | 91.2392% | 838 |
| Net loans and leases to core deposits | 91.5759% | 1,416 |
| Total domestic deposits to total assets | 84.8362% | 2,824 |
| Equity capital to assets | 10.6665% | 2,549 |
| Core capital (leverage) ratio | 10.2246% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8173% | 1,919 |
| Memoranda: | ||
| Average total assets | $506,146,200 | 1,532 |
| Average earning assets | $479,442,400 | 1,508 |
| Average equity | $54,731,400 | 1,566 |
| Average total loans | $385,850,600 | 1,407 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,326 |
| Cost of funding earning assets | 0.1395% | 4,830 |
| Net interest margin | 4.4536% | 429 |
| Noninterest income to average assets | 1.6650% | 427 |
| Noninterest expense to average assets | 4.4581% | 259 |
| Loan and lease loss provision to assets | 0.4726% | 652 |
| Net operating income to assets | 0.6730% | 3,556 |
| Return on assets (ROA) | 0.7376% | 3,427 |
| Pretax return on assets | 1.0215% | 2,989 |
| Return on Equity (ROE) | 6.7941% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.7941% | 1,782 |
| Net charge-offs to loans | 0.0249% | 2,337 |
| Credit loss provision to net charge-offs | 2,511.5942% | 401 |
| Earnings coverage of net charge-offs (x) | 75.0580% | 956 |
| Efficiency ratio | 75.9430% | 1,210 |
| Assets per employee ($millions) | 3.7584% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,943 |
| Loan loss allowance to noncurrent loans | 73.1116% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 629 |
| Noncurrent loans to loans | 1.8500% | 702 |
| Net loans and leases to total assets | 75.6175% | 1,143 |
| Net loans and leases to deposits | 91.2963% | 1,131 |
| Net loans and leases to core deposits | 91.6387% | 1,827 |
| Total domestic deposits to total assets | 82.8264% | 3,186 |
| Equity capital to assets | 9.6483% | 3,556 |
| Core capital (leverage) ratio | 9.4448% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4795% | 2,009 |
| Memoranda: | ||
| Average total assets | $488,958,750 | 1,563 |
| Average earning assets | $461,701,500 | 1,537 |
| Average equity | $53,084,000 | 1,591 |
| Average total loans | $369,380,500 | 1,445 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 1,555 |
| Cost of funding earning assets | 0.1598% | 4,857 |
| Net interest margin | 4.4830% | 521 |
| Noninterest income to average assets | 1.5498% | 426 |
| Noninterest expense to average assets | 4.5180% | 250 |
| Loan and lease loss provision to assets | 0.5076% | 694 |
| Net operating income to assets | 0.5196% | 3,956 |
| Return on assets (ROA) | 0.6549% | 3,659 |
| Pretax return on assets | 0.9246% | 3,245 |
| Return on Equity (ROE) | 5.7626% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.7626% | 2,171 |
| Net charge-offs to loans | 0.0749% | 1,503 |
| Credit loss provision to net charge-offs | 903.1008% | 848 |
| Earnings coverage of net charge-offs (x) | 22.4341% | 1,627 |
| Efficiency ratio | 78.1799% | 1,040 |
| Assets per employee ($millions) | 3.6253% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,175 |
| Loan loss allowance to noncurrent loans | 59.2458% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 440 |
| Noncurrent loans to loans | 2.1352% | 599 |
| Net loans and leases to total assets | 76.1034% | 1,125 |
| Net loans and leases to deposits | 92.5979% | 1,086 |
| Net loans and leases to core deposits | 92.8598% | 1,829 |
| Total domestic deposits to total assets | 82.1869% | 3,321 |
| Equity capital to assets | 9.8858% | 3,301 |
| Core capital (leverage) ratio | 10.1607% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7125% | 1,922 |
| Memoranda: | ||
| Average total assets | $459,013,000 | 1,629 |
| Average earning assets | $433,009,667 | 1,602 |
| Average equity | $52,164,000 | 1,603 |
| Average total loans | $344,616,667 | 1,500 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 1,350 |
| Cost of funding earning assets | 0.1527% | 4,963 |
| Net interest margin | 4.6753% | 353 |
| Noninterest income to average assets | 1.4964% | 397 |
| Noninterest expense to average assets | 5.1768% | 206 |
| Loan and lease loss provision to assets | 0.2663% | 1,170 |
| Net operating income to assets | 0.2903% | 4,366 |
| Return on assets (ROA) | 0.3768% | 4,220 |
| Pretax return on assets | 0.5511% | 4,032 |
| Return on Equity (ROE) | 3.0505% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.0505% | 3,065 |
| Net charge-offs to loans | 0.1221% | 976 |
| Credit loss provision to net charge-offs | 295.6989% | 1,196 |
| Earnings coverage of net charge-offs (x) | 7.8602% | 1,893 |
| Efficiency ratio | 87.9691% | 586 |
| Assets per employee ($millions) | 2.9213% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,519 |
| Loan loss allowance to noncurrent loans | 78.1158% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 659 |
| Noncurrent loans to loans | 1.8620% | 791 |
| Net loans and leases to total assets | 72.7835% | 1,804 |
| Net loans and leases to deposits | 90.0591% | 1,506 |
| Net loans and leases to core deposits | 91.8774% | 2,175 |
| Total domestic deposits to total assets | 80.8175% | 3,705 |
| Equity capital to assets | 12.2806% | 1,863 |
| Core capital (leverage) ratio | 12.3199% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3770% | 1,791 |
| Memoranda: | ||
| Average total assets | $412,997,000 | 1,730 |
| Average earning assets | $387,658,000 | 1,713 |
| Average equity | $51,008,500 | 1,631 |
| Average total loans | $304,556,500 | 1,623 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7750% | 2,121 |
| Cost of funding earning assets | 0.0954% | 5,111 |
| Net interest margin | 4.6796% | 496 |
| Noninterest income to average assets | 1.4388% | 453 |
| Noninterest expense to average assets | 5.0617% | 206 |
| Loan and lease loss provision to assets | 0.2037% | 996 |
| Net operating income to assets | 0.7016% | 3,865 |
| Return on assets (ROA) | 0.7437% | 3,797 |
| Pretax return on assets | 0.6308% | 4,369 |
| Return on Equity (ROE) | 6.9256% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.1026% | 3,469 |
| Net charge-offs to loans | 0.2099% | 978 |
| Credit loss provision to net charge-offs | 148.8462% | 1,722 |
| Earnings coverage of net charge-offs (x) | 5.7904% | 3,043 |
| Efficiency ratio | 86.4638% | 519 |
| Assets per employee ($millions) | 2.8952% | 4,867 |
| Cash dividends to net income (ytd only)* | 55.2017% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,354 |
| Loan loss allowance to noncurrent loans | 73.1613% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1846% | 341 |
| Noncurrent loans to loans | 1.9865% | 646 |
| Net loans and leases to total assets | 72.5540% | 1,999 |
| Net loans and leases to deposits | 87.5982% | 1,898 |
| Net loans and leases to core deposits | 87.7991% | 2,624 |
| Total domestic deposits to total assets | 82.8258% | 3,258 |
| Equity capital to assets | 12.4237% | 1,868 |
| Core capital (leverage) ratio | 12.5320% | 1,473 |
| Tier 1 risk-based capital ratio | 14.6123% | 2,957 |
| Total risk-based capital ratio | 15.8640% | 2,860 |
| Memoranda: | ||
| Average total assets | $379,969,800 | 1,803 |
| Average earning assets | $358,510,200 | 1,784 |
| Average equity | $40,805,000 | 1,896 |
| Average total loans | $247,739,400 | 1,838 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 2,366 |
| Cost of funding earning assets | 0.0732% | 5,207 |
| Net interest margin | 4.6434% | 557 |
| Noninterest income to average assets | 1.3485% | 514 |
| Noninterest expense to average assets | 5.0170% | 209 |
| Loan and lease loss provision to assets | 0.1327% | 1,448 |
| Net operating income to assets | 0.8140% | 3,629 |
| Return on assets (ROA) | 0.8707% | 3,534 |
| Pretax return on assets | 0.6463% | 4,454 |
| Return on Equity (ROE) | 8.4683% | 3,130 |
| Retained earnings to average equity (ytd only) | 3.0541% | 3,865 |
| Net charge-offs to loans | 0.2031% | 860 |
| Credit loss provision to net charge-offs | 103.9106% | 2,177 |
| Earnings coverage of net charge-offs (x) | 5.6536% | 2,899 |
| Efficiency ratio | 87.4153% | 431 |
| Assets per employee ($millions) | 3.5883% | 4,407 |
| Cash dividends to net income (ytd only)* | 63.9345% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,145 |
| Loan loss allowance to noncurrent loans | 84.3004% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 609 |
| Noncurrent loans to loans | 1.8226% | 777 |
| Net loans and leases to total assets | 56.2853% | 4,028 |
| Net loans and leases to deposits | 63.4476% | 4,211 |
| Net loans and leases to core deposits | 63.5654% | 4,394 |
| Total domestic deposits to total assets | 88.7115% | 739 |
| Equity capital to assets | 10.7101% | 3,372 |
| Core capital (leverage) ratio | 13.0917% | 1,308 |
| Tier 1 risk-based capital ratio | 16.5128% | 2,265 |
| Total risk-based capital ratio | 17.7659% | 2,196 |
| Memoranda: | ||
| Average total assets | $373,629,750 | 1,844 |
| Average earning assets | $353,296,500 | 1,818 |
| Average equity | $38,417,000 | 2,010 |
| Average total loans | $235,069,250 | 1,940 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 1,458 |
| Cost of funding earning assets | 0.0774% | 5,249 |
| Net interest margin | 4.9333% | 332 |
| Noninterest income to average assets | 1.2688% | 540 |
| Noninterest expense to average assets | 5.3000% | 176 |
| Loan and lease loss provision to assets | 0.1051% | 1,780 |
| Net operating income to assets | 1.0453% | 2,739 |
| Return on assets (ROA) | 1.0803% | 2,671 |
| Pretax return on assets | 0.5492% | 4,625 |
| Return on Equity (ROE) | 10.7089% | 2,090 |
| Retained earnings to average equity (ytd only) | 1.6836% | 4,215 |
| Net charge-offs to loans | 0.3447% | 491 |
| Credit loss provision to net charge-offs | 46.5116% | 2,495 |
| Earnings coverage of net charge-offs (x) | 2.7416% | 2,909 |
| Efficiency ratio | 89.5386% | 369 |
| Assets per employee ($millions) | 2.8383% | 4,995 |
| Cash dividends to net income (ytd only)* | 84.2788% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 971 |
| Loan loss allowance to noncurrent loans | 79.9217% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.2019% | 382 |
| Noncurrent loans to loans | 2.0343% | 690 |
| Net loans and leases to total assets | 65.0780% | 3,227 |
| Net loans and leases to deposits | 72.6467% | 3,626 |
| Net loans and leases to core deposits | 72.8196% | 3,959 |
| Total domestic deposits to total assets | 89.5816% | 457 |
| Equity capital to assets | 9.8214% | 4,119 |
| Core capital (leverage) ratio | 10.1265% | 3,476 |
| Tier 1 risk-based capital ratio | 12.6975% | 4,013 |
| Total risk-based capital ratio | 13.9514% | 3,910 |
| Memoranda: | ||
| Average total assets | $342,681,330 | 1,957 |
| Average earning assets | $323,026,330 | 1,936 |
| Average equity | $34,569,330 | 2,164 |
| Average total loans | $224,541,000 | 2,012 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 1,013 |
| Cost of funding earning assets | 0.0765% | 5,309 |
| Net interest margin | 5.0684% | 255 |
| Noninterest income to average assets | 1.1121% | 658 |
| Noninterest expense to average assets | 5.0486% | 197 |
| Loan and lease loss provision to assets | 0.0719% | 2,231 |
| Net operating income to assets | 1.9377% | 430 |
| Return on assets (ROA) | 2.0096% | 397 |
| Pretax return on assets | 0.8269% | 3,977 |
| Return on Equity (ROE) | 19.6410% | 286 |
| Retained earnings to average equity (ytd only) | 3.1271% | 3,689 |
| Net charge-offs to loans | 0.0478% | 1,595 |
| Credit loss provision to net charge-offs | 230.7692% | 964 |
| Earnings coverage of net charge-offs (x) | 26.5385% | 1,402 |
| Efficiency ratio | 85.9270% | 583 |
| Assets per employee ($millions) | 2.6880% | 5,119 |
| Cash dividends to net income (ytd only)* | 84.0787% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 643 |
| Loan loss allowance to noncurrent loans | 78.5646% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.5037% | 312 |
| Noncurrent loans to loans | 2.3591% | 569 |
| Net loans and leases to total assets | 65.3926% | 3,126 |
| Net loans and leases to deposits | 73.5248% | 3,485 |
| Net loans and leases to core deposits | 73.7819% | 3,809 |
| Total domestic deposits to total assets | 88.9395% | 883 |
| Equity capital to assets | 10.3701% | 3,449 |
| Core capital (leverage) ratio | 10.4680% | 3,082 |
| Tier 1 risk-based capital ratio | 13.3911% | 3,671 |
| Total risk-based capital ratio | 14.6467% | 3,574 |
| Memoranda: | ||
| Average total assets | $333,793,000 | 2,004 |
| Average earning assets | $313,707,500 | 1,983 |
| Average equity | $34,153,000 | 2,182 |
| Average total loans | $217,583,500 | 2,082 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,659 |
| Cost of funding earning assets | 0.0768% | 5,333 |
| Net interest margin | 4.6789% | 510 |
| Noninterest income to average assets | 1.3700% | 488 |
| Noninterest expense to average assets | 4.4109% | 322 |
| Loan and lease loss provision to assets | 0.2841% | 579 |
| Net operating income to assets | 1.1277% | 2,485 |
| Return on assets (ROA) | 1.1354% | 2,452 |
| Pretax return on assets | 1.1354% | 3,155 |
| Return on Equity (ROE) | 11.5824% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.6950% | 1,826 |
| Net charge-offs to loans | 0.2454% | 790 |
| Credit loss provision to net charge-offs | 178.2274% | 1,587 |
| Earnings coverage of net charge-offs (x) | 8.8574% | 2,857 |
| Efficiency ratio | 75.7542% | 1,398 |
| Assets per employee ($millions) | 2.9582% | 5,018 |
| Cash dividends to net income (ytd only)* | 42.1964% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 553 |
| Loan loss allowance to noncurrent loans | 65.1716% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8082% | 244 |
| Noncurrent loans to loans | 2.9401% | 353 |
| Net loans and leases to total assets | 62.5255% | 3,514 |
| Net loans and leases to deposits | 70.3542% | 3,804 |
| Net loans and leases to core deposits | 70.6593% | 4,087 |
| Total domestic deposits to total assets | 88.8726% | 913 |
| Equity capital to assets | 10.0938% | 3,581 |
| Core capital (leverage) ratio | 10.3718% | 3,172 |
| Tier 1 risk-based capital ratio | 13.9536% | 3,312 |
| Total risk-based capital ratio | 15.2096% | 3,234 |
| Memoranda: | ||
| Average total assets | $325,626,000 | 2,019 |
| Average earning assets | $309,883,800 | 1,972 |
| Average equity | $31,919,200 | 2,223 |
| Average total loans | $211,533,000 | 2,086 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,689 |
| Cost of funding earning assets | 0.0765% | 5,396 |
| Net interest margin | 4.6195% | 571 |
| Noninterest income to average assets | 1.4048% | 484 |
| Noninterest expense to average assets | 4.4533% | 303 |
| Loan and lease loss provision to assets | 0.2473% | 641 |
| Net operating income to assets | 1.1096% | 2,620 |
| Return on assets (ROA) | 1.1199% | 2,591 |
| Pretax return on assets | 1.1199% | 3,320 |
| Return on Equity (ROE) | 11.5135% | 1,980 |
| Retained earnings to average equity (ytd only) | 4.9029% | 3,287 |
| Net charge-offs to loans | 0.2810% | 598 |
| Credit loss provision to net charge-offs | 134.8315% | 1,844 |
| Earnings coverage of net charge-offs (x) | 7.3977% | 2,814 |
| Efficiency ratio | 76.6459% | 1,276 |
| Assets per employee ($millions) | 2.9261% | 5,089 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 794 |
| Loan loss allowance to noncurrent loans | 56.7788% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0780% | 502 |
| Noncurrent loans to loans | 3.0881% | 345 |
| Net loans and leases to total assets | 64.9375% | 3,312 |
| Net loans and leases to deposits | 72.4808% | 3,730 |
| Net loans and leases to core deposits | 72.7300% | 4,029 |
| Total domestic deposits to total assets | 89.5927% | 642 |
| Equity capital to assets | 9.6231% | 3,974 |
| Core capital (leverage) ratio | 10.1907% | 3,421 |
| Tier 1 risk-based capital ratio | 13.6281% | 3,559 |
| Total risk-based capital ratio | 14.8827% | 3,467 |
| Memoranda: | ||
| Average total assets | $323,464,250 | 2,040 |
| Average earning assets | $308,480,750 | 1,989 |
| Average equity | $31,463,750 | 2,255 |
| Average total loans | $211,144,000 | 2,094 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,700 |
| Cost of funding earning assets | 0.0765% | 5,449 |
| Net interest margin | 4.5522% | 621 |
| Noninterest income to average assets | 1.3692% | 509 |
| Noninterest expense to average assets | 4.5124% | 292 |
| Loan and lease loss provision to assets | 0.1308% | 1,519 |
| Net operating income to assets | 1.0608% | 2,750 |
| Return on assets (ROA) | 1.0608% | 2,750 |
| Pretax return on assets | 1.0608% | 3,471 |
| Return on Equity (ROE) | 10.8661% | 2,170 |
| Retained earnings to average equity (ytd only) | 0.9124% | 4,777 |
| Net charge-offs to loans | 0.3057% | 524 |
| Credit loss provision to net charge-offs | 65.8307% | 2,393 |
| Earnings coverage of net charge-offs (x) | 5.9969% | 2,668 |
| Efficiency ratio | 79.1089% | 1,104 |
| Assets per employee ($millions) | 3.0827% | 5,042 |
| Cash dividends to net income (ytd only)* | 91.6031% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 1,006 |
| Loan loss allowance to noncurrent loans | 69.1473% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 795 |
| Noncurrent loans to loans | 2.3730% | 561 |
| Net loans and leases to total assets | 64.8413% | 3,300 |
| Net loans and leases to deposits | 72.2441% | 3,690 |
| Net loans and leases to core deposits | 72.4924% | 3,979 |
| Total domestic deposits to total assets | 89.7530% | 647 |
| Equity capital to assets | 9.4921% | 4,112 |
| Core capital (leverage) ratio | 10.2445% | 3,294 |
| Tier 1 risk-based capital ratio | 13.1431% | 3,825 |
| Total risk-based capital ratio | 14.3968% | 3,735 |
| Memoranda: | ||
| Average total assets | $321,068,330 | 2,058 |
| Average earning assets | $305,743,670 | 2,018 |
| Average equity | $31,345,330 | 2,266 |
| Average total loans | $208,675,670 | 2,111 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,654 |
| Cost of funding earning assets | 0.0769% | 5,506 |
| Net interest margin | 4.4963% | 624 |
| Noninterest income to average assets | 1.2669% | 577 |
| Noninterest expense to average assets | 4.5497% | 282 |
| Loan and lease loss provision to assets | 0.0632% | 2,509 |
| Net operating income to assets | 0.9385% | 3,115 |
| Return on assets (ROA) | 0.9385% | 3,133 |
| Pretax return on assets | 0.9385% | 3,733 |
| Return on Equity (ROE) | 9.4760% | 2,686 |
| Retained earnings to average equity (ytd only) | -10.4198% | 5,382 |
| Net charge-offs to loans | 0.6226% | 242 |
| Credit loss provision to net charge-offs | 15.7233% | 2,149 |
| Earnings coverage of net charge-offs (x) | 2.4937% | 2,456 |
| Efficiency ratio | 81.9568% | 949 |
| Assets per employee ($millions) | 2.8348% | 5,263 |
| Cash dividends to net income (ytd only)* | 209.9596% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,008 |
| Loan loss allowance to noncurrent loans | 71.1840% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6917% | 759 |
| Noncurrent loans to loans | 2.3509% | 605 |
| Net loans and leases to total assets | 64.2355% | 3,278 |
| Net loans and leases to deposits | 71.7467% | 3,636 |
| Net loans and leases to core deposits | 72.0080% | 3,961 |
| Total domestic deposits to total assets | 89.5309% | 873 |
| Equity capital to assets | 9.7504% | 3,839 |
| Core capital (leverage) ratio | 10.0093% | 3,526 |
| Tier 1 risk-based capital ratio | 13.6258% | 3,587 |
| Total risk-based capital ratio | 14.8798% | 3,500 |
| Memoranda: | ||
| Average total assets | $316,680,500 | 2,094 |
| Average earning assets | $301,757,000 | 2,048 |
| Average equity | $31,363,500 | 2,281 |
| Average total loans | $204,292,000 | 2,165 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 1,532 |
| Cost of funding earning assets | 0.0809% | 5,548 |
| Net interest margin | 4.4817% | 639 |
| Noninterest income to average assets | 1.5521% | 435 |
| Noninterest expense to average assets | 4.4177% | 338 |
| Loan and lease loss provision to assets | 0.1755% | 1,240 |
| Net operating income to assets | 1.2089% | 1,492 |
| Return on assets (ROA) | 1.2180% | 1,485 |
| Pretax return on assets | 1.2180% | 2,700 |
| Return on Equity (ROE) | 12.0798% | 1,189 |
| Retained earnings to average equity (ytd only) | 6.5588% | 1,253 |
| Net charge-offs to loans | 0.1922% | 1,323 |
| Credit loss provision to net charge-offs | 133.0049% | 1,987 |
| Earnings coverage of net charge-offs (x) | 10.4926% | 2,671 |
| Efficiency ratio | 76.1398% | 1,597 |
| Assets per employee ($millions) | 3.0334% | 5,173 |
| Cash dividends to net income (ytd only)* | 45.7044% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 784 |
| Loan loss allowance to noncurrent loans | 70.4946% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.8169% | 678 |
| Noncurrent loans to loans | 2.5460% | 517 |
| Net loans and leases to total assets | 62.5733% | 3,543 |
| Net loans and leases to deposits | 70.1964% | 3,853 |
| Net loans and leases to core deposits | 70.4449% | 4,143 |
| Total domestic deposits to total assets | 89.1403% | 937 |
| Equity capital to assets | 10.0526% | 3,642 |
| Core capital (leverage) ratio | 10.1441% | 3,250 |
| Tier 1 risk-based capital ratio | 13.8143% | 3,466 |
| Total risk-based capital ratio | 15.0693% | 3,373 |
| Memoranda: | ||
| Average total assets | $307,716,000 | 2,128 |
| Average earning assets | $291,806,200 | 2,089 |
| Average equity | $31,027,000 | 2,291 |
| Average total loans | $211,248,000 | 2,065 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,454 |
| Cost of funding earning assets | 0.0814% | 5,617 |
| Net interest margin | 4.4867% | 618 |
| Noninterest income to average assets | 1.6275% | 417 |
| Noninterest expense to average assets | 4.4491% | 327 |
| Loan and lease loss provision to assets | 0.2147% | 875 |
| Net operating income to assets | 1.2165% | 1,622 |
| Return on assets (ROA) | 1.2287% | 1,609 |
| Pretax return on assets | 1.2287% | 2,792 |
| Return on Equity (ROE) | 12.1766% | 1,284 |
| Retained earnings to average equity (ytd only) | 4.7377% | 3,059 |
| Net charge-offs to loans | 0.0382% | 2,671 |
| Credit loss provision to net charge-offs | 803.2787% | 431 |
| Earnings coverage of net charge-offs (x) | 53.5419% | 1,072 |
| Efficiency ratio | 75.6614% | 1,643 |
| Assets per employee ($millions) | 2.9055% | 5,324 |
| Cash dividends to net income (ytd only)* | 61.0913% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 740 |
| Loan loss allowance to noncurrent loans | 69.6964% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.0019% | 644 |
| Noncurrent loans to loans | 2.6883% | 533 |
| Net loans and leases to total assets | 65.6830% | 3,152 |
| Net loans and leases to deposits | 73.7164% | 3,605 |
| Net loans and leases to core deposits | 73.9812% | 3,974 |
| Total domestic deposits to total assets | 89.1023% | 828 |
| Equity capital to assets | 10.0799% | 3,825 |
| Core capital (leverage) ratio | 9.9686% | 3,604 |
| Tier 1 risk-based capital ratio | 13.2839% | 3,828 |
| Total risk-based capital ratio | 14.5404% | 3,740 |
| Memoranda: | ||
| Average total assets | $304,260,500 | 2,164 |
| Average earning assets | $288,402,000 | 2,119 |
| Average equity | $30,703,000 | 2,329 |
| Average total loans | $212,841,500 | 2,065 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,433 |
| Cost of funding earning assets | 0.0809% | 5,654 |
| Net interest margin | 4.4509% | 635 |
| Noninterest income to average assets | 1.5861% | 439 |
| Noninterest expense to average assets | 4.4790% | 328 |
| Loan and lease loss provision to assets | 0.1933% | 959 |
| Net operating income to assets | 1.1289% | 1,857 |
| Return on assets (ROA) | 1.1542% | 1,808 |
| Pretax return on assets | 1.1542% | 2,960 |
| Return on Equity (ROE) | 11.4337% | 1,482 |
| Retained earnings to average equity (ytd only) | 0.1320% | 5,044 |
| Net charge-offs to loans | 0.0253% | 2,706 |
| Credit loss provision to net charge-offs | 1,074.0741% | 371 |
| Earnings coverage of net charge-offs (x) | 73.4815% | 818 |
| Efficiency ratio | 77.2085% | 1,562 |
| Assets per employee ($millions) | 2.8448% | 5,394 |
| Cash dividends to net income (ytd only)* | 98.8453% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 931 |
| Loan loss allowance to noncurrent loans | 69.8733% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9682% | 656 |
| Noncurrent loans to loans | 2.5408% | 581 |
| Net loans and leases to total assets | 67.9075% | 2,829 |
| Net loans and leases to deposits | 76.0928% | 3,332 |
| Net loans and leases to core deposits | 76.3712% | 3,741 |
| Total domestic deposits to total assets | 89.2431% | 832 |
| Equity capital to assets | 9.9994% | 3,910 |
| Core capital (leverage) ratio | 10.1628% | 3,319 |
| Tier 1 risk-based capital ratio | 12.7228% | 4,171 |
| Total risk-based capital ratio | 13.9782% | 4,074 |
| Memoranda: | ||
| Average total assets | $300,114,000 | 2,190 |
| Average earning assets | $284,215,330 | 2,146 |
| Average equity | $30,296,330 | 2,351 |
| Average total loans | $213,125,330 | 2,062 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 1,596 |
| Cost of funding earning assets | 0.0802% | 5,714 |
| Net interest margin | 4.3371% | 717 |
| Noninterest income to average assets | 1.5139% | 475 |
| Noninterest expense to average assets | 4.5553% | 317 |
| Loan and lease loss provision to assets | 0.1897% | 884 |
| Net operating income to assets | 0.8742% | 2,887 |
| Return on assets (ROA) | 0.8742% | 2,940 |
| Pretax return on assets | 0.8742% | 3,852 |
| Return on Equity (ROE) | 8.6169% | 2,609 |
| Retained earnings to average equity (ytd only) | -14.2681% | 5,658 |
| Net charge-offs to loans | 0.0696% | 1,633 |
| Credit loss provision to net charge-offs | 378.3784% | 673 |
| Earnings coverage of net charge-offs (x) | 21.2162% | 1,457 |
| Efficiency ratio | 81.0661% | 1,251 |
| Assets per employee ($millions) | 2.8635% | 5,453 |
| Cash dividends to net income (ytd only)* | 265.5814% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 1,107 |
| Loan loss allowance to noncurrent loans | 77.6075% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 784 |
| Noncurrent loans to loans | 2.2129% | 761 |
| Net loans and leases to total assets | 70.0639% | 2,370 |
| Net loans and leases to deposits | 78.4465% | 2,922 |
| Net loans and leases to core deposits | 78.7449% | 3,418 |
| Total domestic deposits to total assets | 89.3143% | 998 |
| Equity capital to assets | 9.8950% | 3,881 |
| Core capital (leverage) ratio | 10.0994% | 3,376 |
| Tier 1 risk-based capital ratio | 12.5239% | 4,375 |
| Total risk-based capital ratio | 13.7788% | 4,277 |
| Memoranda: | ||
| Average total assets | $295,127,000 | 2,236 |
| Average earning assets | $279,356,000 | 2,191 |
| Average equity | $29,941,000 | 2,380 |
| Average total loans | $212,498,500 | 2,077 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 766 |
| Cost of funding earning assets | 0.0855% | 5,757 |
| Net interest margin | 4.7935% | 354 |
| Noninterest income to average assets | 1.8657% | 372 |
| Noninterest expense to average assets | 4.7536% | 304 |
| Loan and lease loss provision to assets | 0.0513% | 3,362 |
| Net operating income to assets | 1.5864% | 701 |
| Return on assets (ROA) | 1.5864% | 727 |
| Pretax return on assets | 1.5864% | 1,327 |
| Return on Equity (ROE) | 15.4477% | 569 |
| Retained earnings to average equity (ytd only) | 11.9425% | 222 |
| Net charge-offs to loans | -0.1327% | 5,657 |
| Credit loss provision to net charge-offs | -51.7857% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3756% | 2,243 |
| Assets per employee ($millions) | 2.7589% | 5,519 |
| Cash dividends to net income (ytd only)* | 22.6908% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,220 |
| Loan loss allowance to noncurrent loans | 468.0317% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 3,284 |
| Noncurrent loans to loans | 0.3559% | 3,856 |
| Net loans and leases to total assets | 71.5182% | 2,237 |
| Net loans and leases to deposits | 80.7051% | 2,815 |
| Net loans and leases to core deposits | 81.1462% | 3,297 |
| Total domestic deposits to total assets | 88.6167% | 1,314 |
| Equity capital to assets | 10.3999% | 3,271 |
| Core capital (leverage) ratio | 10.4095% | 2,976 |
| Tier 1 risk-based capital ratio | 13.4539% | 3,797 |
| Total risk-based capital ratio | 14.7094% | 3,691 |
| Memoranda: | ||
| Average total assets | $282,524,400 | 2,271 |
| Average earning assets | $266,734,600 | 2,241 |
| Average equity | $29,014,000 | 2,448 |
| Average total loans | $210,926,000 | 2,040 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 720 |
| Cost of funding earning assets | 0.0859% | 5,824 |
| Net interest margin | 4.8156% | 351 |
| Noninterest income to average assets | 1.9635% | 357 |
| Noninterest expense to average assets | 4.8648% | 291 |
| Loan and lease loss provision to assets | 0.0143% | 3,967 |
| Net operating income to assets | 1.6207% | 703 |
| Return on assets (ROA) | 1.6207% | 743 |
| Pretax return on assets | 1.6207% | 1,330 |
| Return on Equity (ROE) | 15.8336% | 564 |
| Retained earnings to average equity (ytd only) | 11.1031% | 415 |
| Net charge-offs to loans | -0.1862% | 5,742 |
| Credit loss provision to net charge-offs | -10.2041% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8462% | 2,133 |
| Assets per employee ($millions) | 2.6796% | 5,616 |
| Cash dividends to net income (ytd only)* | 29.8767% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 1,449 |
| Loan loss allowance to noncurrent loans | 796.7593% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 3,667 |
| Noncurrent loans to loans | 0.2015% | 4,550 |
| Net loans and leases to total assets | 73.5673% | 1,941 |
| Net loans and leases to deposits | 83.3657% | 2,562 |
| Net loans and leases to core deposits | 83.8323% | 3,141 |
| Total domestic deposits to total assets | 88.2464% | 1,268 |
| Equity capital to assets | 10.6214% | 3,437 |
| Core capital (leverage) ratio | 10.3485% | 3,160 |
| Tier 1 risk-based capital ratio | 13.1563% | 4,059 |
| Total risk-based capital ratio | 14.4115% | 3,965 |
| Memoranda: | ||
| Average total assets | $280,044,000 | 2,292 |
| Average earning assets | $263,801,250 | 2,268 |
| Average equity | $28,664,000 | 2,485 |
| Average total loans | $210,483,750 | 2,049 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 730 |
| Cost of funding earning assets | 0.0856% | 5,910 |
| Net interest margin | 4.8114% | 359 |
| Noninterest income to average assets | 1.8544% | 388 |
| Noninterest expense to average assets | 4.8808% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5053% | 884 |
| Return on assets (ROA) | 1.5053% | 928 |
| Pretax return on assets | 1.5053% | 1,652 |
| Return on Equity (ROE) | 14.8997% | 684 |
| Retained earnings to average equity (ytd only) | 7.6529% | 1,313 |
| Net charge-offs to loans | -0.3203% | 5,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4288% | 2,021 |
| Assets per employee ($millions) | 2.5940% | 5,742 |
| Cash dividends to net income (ytd only)* | 48.6370% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,462 |
| Loan loss allowance to noncurrent loans | 312.3982% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 3,109 |
| Noncurrent loans to loans | 0.5195% | 3,527 |
| Net loans and leases to total assets | 74.0093% | 1,839 |
| Net loans and leases to deposits | 83.4045% | 2,543 |
| Net loans and leases to core deposits | 83.5383% | 3,124 |
| Total domestic deposits to total assets | 88.7354% | 1,050 |
| Equity capital to assets | 10.3950% | 3,748 |
| Core capital (leverage) ratio | 10.1469% | 3,391 |
| Tier 1 risk-based capital ratio | 12.2376% | 4,681 |
| Total risk-based capital ratio | 13.4921% | 4,599 |
| Memoranda: | ||
| Average total assets | $277,821,000 | 2,316 |
| Average earning assets | $261,669,000 | 2,288 |
| Average equity | $28,067,670 | 2,531 |
| Average total loans | $209,188,670 | 2,061 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 757 |
| Cost of funding earning assets | 0.0845% | 5,973 |
| Net interest margin | 4.7725% | 379 |
| Noninterest income to average assets | 1.5761% | 474 |
| Noninterest expense to average assets | 4.7719% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3146% | 1,221 |
| Return on assets (ROA) | 1.3146% | 1,299 |
| Pretax return on assets | 1.3146% | 2,244 |
| Return on Equity (ROE) | 13.2088% | 992 |
| Retained earnings to average equity (ytd only) | -1.6347% | 5,350 |
| Net charge-offs to loans | 0.0212% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 82.2727% | 624 |
| Efficiency ratio | 78.4010% | 1,840 |
| Assets per employee ($millions) | 2.5467% | 5,825 |
| Cash dividends to net income (ytd only)* | 112.3757% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 2,135 |
| Loan loss allowance to noncurrent loans | 166.4167% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,982 |
| Noncurrent loans to loans | 0.8809% | 2,645 |
| Net loans and leases to total assets | 75.9231% | 1,403 |
| Net loans and leases to deposits | 85.2810% | 2,156 |
| Net loans and leases to core deposits | 85.4209% | 2,797 |
| Total domestic deposits to total assets | 89.0270% | 1,085 |
| Equity capital to assets | 10.0168% | 4,058 |
| Core capital (leverage) ratio | 9.8711% | 3,697 |
| Tier 1 risk-based capital ratio | 11.9855% | 4,926 |
| Total risk-based capital ratio | 13.2384% | 4,841 |
| Memoranda: | ||
| Average total assets | $275,360,000 | 2,341 |
| Average earning assets | $260,241,500 | 2,302 |
| Average equity | $27,406,000 | 2,567 |
| Average total loans | $207,429,000 | 2,078 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 846 |
| Cost of funding earning assets | 0.0946% | 5,983 |
| Net interest margin | 4.7575% | 411 |
| Noninterest income to average assets | 1.6116% | 495 |
| Noninterest expense to average assets | 4.9125% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1710% | 1,666 |
| Return on assets (ROA) | 1.3069% | 1,302 |
| Pretax return on assets | 1.3069% | 2,251 |
| Return on Equity (ROE) | 13.3589% | 983 |
| Retained earnings to average equity (ytd only) | 11.8690% | 266 |
| Net charge-offs to loans | -0.0524% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7518% | 1,572 |
| Assets per employee ($millions) | 2.6254% | 5,832 |
| Cash dividends to net income (ytd only)* | 11.1530% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,839 |
| Loan loss allowance to noncurrent loans | 209.4023% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 2,236 |
| Noncurrent loans to loans | 0.7338% | 2,978 |
| Net loans and leases to total assets | 72.4803% | 1,972 |
| Net loans and leases to deposits | 81.3001% | 2,678 |
| Net loans and leases to core deposits | 81.4330% | 3,208 |
| Total domestic deposits to total assets | 89.1516% | 1,044 |
| Equity capital to assets | 9.8889% | 4,085 |
| Core capital (leverage) ratio | 9.7583% | 3,825 |
| Tier 1 risk-based capital ratio | 12.3969% | 4,702 |
| Total risk-based capital ratio | 13.6504% | 4,592 |
| Memoranda: | ||
| Average total assets | $264,141,400 | 2,390 |
| Average earning assets | $248,283,200 | 2,353 |
| Average equity | $25,840,400 | 2,630 |
| Average total loans | $198,345,200 | 2,088 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 793 |
| Cost of funding earning assets | 0.0979% | 6,067 |
| Net interest margin | 4.7874% | 388 |
| Noninterest income to average assets | 1.5984% | 497 |
| Noninterest expense to average assets | 4.8599% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2304% | 1,553 |
| Return on assets (ROA) | 1.4136% | 1,123 |
| Pretax return on assets | 1.4136% | 1,960 |
| Return on Equity (ROE) | 14.4917% | 812 |
| Retained earnings to average equity (ytd only) | 12.4775% | 316 |
| Net charge-offs to loans | -0.0500% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7972% | 1,688 |
| Assets per employee ($millions) | 2.5936% | 5,911 |
| Cash dividends to net income (ytd only)* | 13.8989% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 2,063 |
| Loan loss allowance to noncurrent loans | 171.6908% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 2,267 |
| Noncurrent loans to loans | 0.8862% | 2,763 |
| Net loans and leases to total assets | 74.0705% | 1,721 |
| Net loans and leases to deposits | 83.0891% | 2,519 |
| Net loans and leases to core deposits | 83.2279% | 3,130 |
| Total domestic deposits to total assets | 89.1459% | 950 |
| Equity capital to assets | 9.9592% | 4,205 |
| Core capital (leverage) ratio | 9.7483% | 3,967 |
| Tier 1 risk-based capital ratio | 12.2526% | 4,925 |
| Total risk-based capital ratio | 13.5058% | 4,817 |
| Memoranda: | ||
| Average total assets | $261,258,750 | 2,433 |
| Average earning assets | $245,138,500 | 2,401 |
| Average equity | $25,485,250 | 2,679 |
| Average total loans | $197,200,000 | 2,105 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 802 |
| Cost of funding earning assets | 0.1024% | 6,126 |
| Net interest margin | 4.7512% | 402 |
| Noninterest income to average assets | 1.5509% | 532 |
| Noninterest expense to average assets | 4.7749% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2289% | 1,520 |
| Return on assets (ROA) | 1.5068% | 929 |
| Pretax return on assets | 1.5068% | 1,632 |
| Return on Equity (ROE) | 15.5598% | 660 |
| Retained earnings to average equity (ytd only) | 12.4830% | 352 |
| Net charge-offs to loans | -0.0737% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5308% | 1,829 |
| Assets per employee ($millions) | 2.5779% | 5,991 |
| Cash dividends to net income (ytd only)* | 19.7740% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 2,276 |
| Loan loss allowance to noncurrent loans | 168.7261% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3095% | 1,923 |
| Noncurrent loans to loans | 0.8914% | 2,901 |
| Net loans and leases to total assets | 76.1140% | 1,352 |
| Net loans and leases to deposits | 86.5622% | 1,993 |
| Net loans and leases to core deposits | 86.5622% | 2,704 |
| Total domestic deposits to total assets | 87.9299% | 1,687 |
| Equity capital to assets | 9.6707% | 4,438 |
| Core capital (leverage) ratio | 9.8071% | 3,854 |
| Tier 1 risk-based capital ratio | 11.6046% | 5,405 |
| Total risk-based capital ratio | 12.8576% | 5,315 |
| Memoranda: | ||
| Average total assets | $258,434,670 | 2,469 |
| Average earning assets | $242,213,670 | 2,441 |
| Average equity | $25,026,000 | 2,723 |
| Average total loans | $195,307,330 | 2,127 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 892 |
| Cost of funding earning assets | 0.1101% | 6,160 |
| Net interest margin | 4.6711% | 435 |
| Noninterest income to average assets | 1.3841% | 607 |
| Noninterest expense to average assets | 4.7456% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0310% | 2,119 |
| Return on assets (ROA) | 1.3543% | 1,195 |
| Pretax return on assets | 1.3543% | 2,053 |
| Return on Equity (ROE) | 13.9757% | 884 |
| Retained earnings to average equity (ytd only) | 7.7409% | 1,668 |
| Net charge-offs to loans | -0.2921% | 6,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1516% | 1,596 |
| Assets per employee ($millions) | 2.5273% | 6,090 |
| Cash dividends to net income (ytd only)* | 44.6118% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 2,044 |
| Loan loss allowance to noncurrent loans | 169.5535% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 1,960 |
| Noncurrent loans to loans | 0.9447% | 2,888 |
| Net loans and leases to total assets | 75.1127% | 1,332 |
| Net loans and leases to deposits | 85.1366% | 1,938 |
| Net loans and leases to core deposits | 85.1366% | 2,639 |
| Total domestic deposits to total assets | 88.2261% | 1,696 |
| Equity capital to assets | 9.7047% | 4,503 |
| Core capital (leverage) ratio | 9.6160% | 4,126 |
| Tier 1 risk-based capital ratio | 11.6881% | 5,444 |
| Total risk-based capital ratio | 12.9426% | 5,342 |
| Memoranda: | ||
| Average total assets | $254,890,000 | 2,512 |
| Average earning assets | $239,686,000 | 2,471 |
| Average equity | $24,700,000 | 2,772 |
| Average total loans | $190,367,500 | 2,181 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 1,262 |
| Cost of funding earning assets | 0.1293% | 6,202 |
| Net interest margin | 4.5878% | 628 |
| Noninterest income to average assets | 1.3566% | 662 |
| Noninterest expense to average assets | 4.7723% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8615% | 3,055 |
| Return on assets (ROA) | 0.9776% | 2,567 |
| Pretax return on assets | 0.9776% | 3,583 |
| Return on Equity (ROE) | 10.4671% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.1505% | 675 |
| Net charge-offs to loans | 0.1876% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.4512% | 3,195 |
| Efficiency ratio | 84.7077% | 1,320 |
| Assets per employee ($millions) | 2.4466% | 6,190 |
| Cash dividends to net income (ytd only)* | 12.5781% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 1,961 |
| Loan loss allowance to noncurrent loans | 157.5013% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 1,856 |
| Noncurrent loans to loans | 1.0399% | 2,745 |
| Net loans and leases to total assets | 71.8033% | 1,937 |
| Net loans and leases to deposits | 80.3199% | 2,678 |
| Net loans and leases to core deposits | 80.3199% | 3,258 |
| Total domestic deposits to total assets | 89.3967% | 1,021 |
| Equity capital to assets | 9.6759% | 4,500 |
| Core capital (leverage) ratio | 9.3870% | 4,403 |
| Tier 1 risk-based capital ratio | 12.4446% | 5,066 |
| Total risk-based capital ratio | 13.7001% | 4,986 |
| Memoranda: | ||
| Average total assets | $245,605,000 | 2,567 |
| Average earning assets | $228,977,200 | 2,530 |
| Average equity | $22,938,600 | 2,854 |
| Average total loans | $174,880,200 | 2,282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,325 |
| Cost of funding earning assets | 0.1323% | 6,279 |
| Net interest margin | 4.5607% | 670 |
| Noninterest income to average assets | 1.3475% | 674 |
| Noninterest expense to average assets | 4.7052% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8819% | 3,010 |
| Return on assets (ROA) | 1.0240% | 2,407 |
| Pretax return on assets | 1.0240% | 3,502 |
| Return on Equity (ROE) | 11.0668% | 1,766 |
| Retained earnings to average equity (ytd only) | 9.2834% | 903 |
| Net charge-offs to loans | 0.2371% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.2574% | 3,302 |
| Efficiency ratio | 84.2152% | 1,364 |
| Assets per employee ($millions) | 2.4193% | 6,283 |
| Cash dividends to net income (ytd only)* | 16.1154% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 2,073 |
| Loan loss allowance to noncurrent loans | 138.9194% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 1,833 |
| Noncurrent loans to loans | 1.2013% | 2,642 |
| Net loans and leases to total assets | 72.4401% | 1,774 |
| Net loans and leases to deposits | 81.0984% | 2,533 |
| Net loans and leases to core deposits | 81.0984% | 3,193 |
| Total domestic deposits to total assets | 89.3237% | 1,062 |
| Equity capital to assets | 9.6072% | 4,660 |
| Core capital (leverage) ratio | 9.3526% | 4,564 |
| Tier 1 risk-based capital ratio | 12.4155% | 5,217 |
| Total risk-based capital ratio | 13.6693% | 5,144 |
| Memoranda: | ||
| Average total assets | $244,006,750 | 2,596 |
| Average earning assets | $226,828,750 | 2,570 |
| Average equity | $22,577,500 | 2,893 |
| Average total loans | $172,611,250 | 2,316 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,509 |
| Cost of funding earning assets | 0.1341% | 6,339 |
| Net interest margin | 4.4753% | 740 |
| Noninterest income to average assets | 1.4431% | 582 |
| Noninterest expense to average assets | 4.8510% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7388% | 3,629 |
| Return on assets (ROA) | 0.8746% | 3,027 |
| Pretax return on assets | 0.8746% | 3,980 |
| Return on Equity (ROE) | 9.5763% | 2,339 |
| Retained earnings to average equity (ytd only) | 6.8556% | 1,837 |
| Net charge-offs to loans | 0.1581% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.7015% | 2,734 |
| Efficiency ratio | 86.7825% | 1,194 |
| Assets per employee ($millions) | 2.4044% | 6,355 |
| Cash dividends to net income (ytd only)* | 28.4102% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 1,789 |
| Loan loss allowance to noncurrent loans | 148.9549% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 2.6650% | 1,008 |
| Noncurrent loans to loans | 1.2224% | 2,788 |
| Net loans and leases to total assets | 69.8262% | 2,114 |
| Net loans and leases to deposits | 77.9787% | 2,804 |
| Net loans and leases to core deposits | 77.9787% | 3,441 |
| Total domestic deposits to total assets | 89.5451% | 1,055 |
| Equity capital to assets | 9.3134% | 4,971 |
| Core capital (leverage) ratio | 9.3407% | 4,539 |
| Tier 1 risk-based capital ratio | 12.1796% | 5,436 |
| Total risk-based capital ratio | 13.4370% | 5,345 |
| Memoranda: | ||
| Average total assets | $243,085,000 | 2,608 |
| Average earning assets | $225,235,000 | 2,589 |
| Average equity | $22,200,670 | 2,924 |
| Average total loans | $169,549,670 | 2,340 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 1,632 |
| Cost of funding earning assets | 0.1322% | 6,435 |
| Net interest margin | 4.4202% | 772 |
| Noninterest income to average assets | 1.3488% | 634 |
| Noninterest expense to average assets | 4.7658% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6927% | 3,726 |
| Return on assets (ROA) | 0.9402% | 2,526 |
| Pretax return on assets | 0.9402% | 3,554 |
| Return on Equity (ROE) | 10.4003% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.4003% | 879 |
| Net charge-offs to loans | -0.1636% | 6,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3098% | 1,304 |
| Assets per employee ($millions) | 2.3013% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 1,431 |
| Loan loss allowance to noncurrent loans | 138.6179% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 2.8283% | 1,043 |
| Noncurrent loans to loans | 1.4747% | 2,576 |
| Net loans and leases to total assets | 68.9381% | 2,068 |
| Net loans and leases to deposits | 78.1183% | 2,539 |
| Net loans and leases to core deposits | 78.1183% | 3,190 |
| Total domestic deposits to total assets | 88.2483% | 2,081 |
| Equity capital to assets | 9.3984% | 4,629 |
| Core capital (leverage) ratio | 9.4047% | 4,417 |
| Tier 1 risk-based capital ratio | 12.5074% | 5,310 |
| Total risk-based capital ratio | 13.7664% | 5,241 |
| Memoranda: | ||
| Average total assets | $240,800,000 | 2,637 |
| Average earning assets | $223,880,000 | 2,618 |
| Average equity | $21,768,500 | 2,965 |
| Average total loans | $166,257,000 | 2,382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,852 |
| Cost of funding earning assets | 0.1627% | 6,486 |
| Net interest margin | 4.1645% | 1,461 |
| Noninterest income to average assets | 1.9248% | 416 |
| Noninterest expense to average assets | 5.0479% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7112% | 3,747 |
| Return on assets (ROA) | 0.7112% | 3,828 |
| Pretax return on assets | 0.7112% | 4,499 |
| Return on Equity (ROE) | 8.8300% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.8300% | 813 |
| Net charge-offs to loans | 0.1369% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.0758% | 2,735 |
| Efficiency ratio | 87.6513% | 1,250 |
| Assets per employee ($millions) | 2.3292% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 1,510 |
| Loan loss allowance to noncurrent loans | 137.6030% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 2.7281% | 1,220 |
| Noncurrent loans to loans | 1.4653% | 2,691 |
| Net loans and leases to total assets | 66.3855% | 2,634 |
| Net loans and leases to deposits | 73.4503% | 3,336 |
| Net loans and leases to core deposits | 73.4503% | 3,900 |
| Total domestic deposits to total assets | 90.3815% | 885 |
| Equity capital to assets | 8.6928% | 5,379 |
| Core capital (leverage) ratio | 8.9328% | 5,104 |
| Tier 1 risk-based capital ratio | 12.7982% | 5,114 |
| Total risk-based capital ratio | 14.0581% | 5,056 |
| Memoranda: | ||
| Average total assets | $239,603,200 | 2,619 |
| Average earning assets | $220,600,400 | 2,611 |
| Average equity | $19,297,800 | 3,247 |
| Average total loans | $154,176,400 | 2,501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 3,121 |
| Cost of funding earning assets | 0.1713% | 6,545 |
| Net interest margin | 4.0964% | 1,644 |
| Noninterest income to average assets | 2.0875% | 393 |
| Noninterest expense to average assets | 4.9716% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8754% | 2,966 |
| Return on assets (ROA) | 0.8754% | 3,078 |
| Pretax return on assets | 0.8754% | 3,988 |
| Return on Equity (ROE) | 11.0947% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.0947% | 562 |
| Net charge-offs to loans | 0.1084% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.7232% | 2,102 |
| Efficiency ratio | 85.0282% | 1,468 |
| Assets per employee ($millions) | 2.3344% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 1,468 |
| Loan loss allowance to noncurrent loans | 118.6505% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 3.1009% | 1,182 |
| Noncurrent loans to loans | 1.7848% | 2,518 |
| Net loans and leases to total assets | 65.9158% | 2,658 |
| Net loans and leases to deposits | 73.1204% | 3,375 |
| Net loans and leases to core deposits | 73.1204% | 3,957 |
| Total domestic deposits to total assets | 90.1469% | 917 |
| Equity capital to assets | 8.8275% | 5,388 |
| Core capital (leverage) ratio | 9.1997% | 4,831 |
| Tier 1 risk-based capital ratio | 12.9905% | 5,133 |
| Total risk-based capital ratio | 14.2518% | 5,075 |
| Memoranda: | ||
| Average total assets | $238,361,500 | 2,652 |
| Average earning assets | $218,755,750 | 2,644 |
| Average equity | $18,807,250 | 3,334 |
| Average total loans | $151,295,500 | 2,551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 3,270 |
| Cost of funding earning assets | 0.1849% | 6,545 |
| Net interest margin | 4.0385% | 1,733 |
| Noninterest income to average assets | 1.9742% | 452 |
| Noninterest expense to average assets | 5.0120% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6564% | 4,035 |
| Return on assets (ROA) | 0.6564% | 4,197 |
| Pretax return on assets | 0.6564% | 4,827 |
| Return on Equity (ROE) | 8.6660% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.6660% | 1,238 |
| Net charge-offs to loans | 0.2815% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,310 |
| Efficiency ratio | 88.4204% | 1,183 |
| Assets per employee ($millions) | 2.2605% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 1,394 |
| Loan loss allowance to noncurrent loans | 95.4597% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 4.1617% | 817 |
| Noncurrent loans to loans | 2.3209% | 2,034 |
| Net loans and leases to total assets | 62.7605% | 3,143 |
| Net loans and leases to deposits | 69.8049% | 3,739 |
| Net loans and leases to core deposits | 69.9863% | 4,279 |
| Total domestic deposits to total assets | 89.9084% | 1,076 |
| Equity capital to assets | 7.9516% | 6,231 |
| Core capital (leverage) ratio | 8.2556% | 5,950 |
| Tier 1 risk-based capital ratio | 12.1713% | 5,700 |
| Total risk-based capital ratio | 13.4088% | 5,647 |
| Memoranda: | ||
| Average total assets | $237,667,670 | 2,668 |
| Average earning assets | $217,405,330 | 2,674 |
| Average equity | $18,001,330 | 3,484 |
| Average total loans | $147,754,330 | 2,602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 3,107 |
| Cost of funding earning assets | 0.1865% | 6,640 |
| Net interest margin | 4.0634% | 1,577 |
| Noninterest income to average assets | 1.8514% | 484 |
| Noninterest expense to average assets | 4.9884% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5825% | 4,299 |
| Return on assets (ROA) | 0.5825% | 4,448 |
| Pretax return on assets | 0.5825% | 5,016 |
| Return on Equity (ROE) | 7.8845% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.8845% | 1,789 |
| Net charge-offs to loans | -0.0739% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5433% | 1,184 |
| Assets per employee ($millions) | 2.2835% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 1,112 |
| Loan loss allowance to noncurrent loans | 74.7026% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 4.6187% | 810 |
| Noncurrent loans to loans | 3.3521% | 1,444 |
| Net loans and leases to total assets | 58.1182% | 3,770 |
| Net loans and leases to deposits | 63.9743% | 4,319 |
| Net loans and leases to core deposits | 64.1357% | 4,729 |
| Total domestic deposits to total assets | 90.8460% | 595 |
| Equity capital to assets | 7.3776% | 6,629 |
| Core capital (leverage) ratio | 7.2280% | 6,572 |
| Tier 1 risk-based capital ratio | 11.4860% | 6,192 |
| Total risk-based capital ratio | 12.7127% | 6,179 |
| Memoranda: | ||
| Average total assets | $238,953,000 | 2,683 |
| Average earning assets | $218,735,000 | 2,679 |
| Average equity | $17,655,000 | 3,569 |
| Average total loans | $146,186,000 | 2,641 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 2,407 |
| Cost of funding earning assets | 0.2192% | 6,783 |
| Net interest margin | 4.5276% | 896 |
| Noninterest income to average assets | 2.1450% | 393 |
| Noninterest expense to average assets | 5.4286% | 282 |
| Loan and lease loss provision to assets | 0.3665% | 1,790 |
| Net operating income to assets | 0.5123% | 4,634 |
| Return on assets (ROA) | 0.5560% | 4,703 |
| Pretax return on assets | 0.5560% | 5,117 |
| Return on Equity (ROE) | 7.7579% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.7579% | 1,207 |
| Net charge-offs to loans | 0.8495% | 1,354 |
| Credit loss provision to net charge-offs | 65.6178% | 4,300 |
| Earnings coverage of net charge-offs (x) | 1.5733% | 4,653 |
| Efficiency ratio | 86.0677% | 1,426 |
| Assets per employee ($millions) | 2.2466% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3768% | 1,270 |
| Loan loss allowance to noncurrent loans | 92.9843% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 4.2496% | 995 |
| Noncurrent loans to loans | 2.5561% | 2,068 |
| Net loans and leases to total assets | 61.2637% | 3,377 |
| Net loans and leases to deposits | 67.4629% | 4,060 |
| Net loans and leases to core deposits | 67.6403% | 4,578 |
| Total domestic deposits to total assets | 90.8109% | 561 |
| Equity capital to assets | 7.3994% | 6,670 |
| Core capital (leverage) ratio | 7.0068% | 6,700 |
| Tier 1 risk-based capital ratio | 11.0491% | 6,330 |
| Total risk-based capital ratio | 12.3154% | 6,289 |
| Memoranda: | ||
| Average total assets | $233,281,400 | 2,696 |
| Average earning assets | $214,461,600 | 2,684 |
| Average equity | $16,718,400 | 3,671 |
| Average total loans | $153,390,200 | 2,524 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 2,369 |
| Cost of funding earning assets | 0.2239% | 6,892 |
| Net interest margin | 4.5833% | 847 |
| Noninterest income to average assets | 2.1177% | 393 |
| Noninterest expense to average assets | 5.5914% | 254 |
| Loan and lease loss provision to assets | 0.4912% | 1,254 |
| Net operating income to assets | 0.2580% | 5,760 |
| Return on assets (ROA) | 0.3166% | 5,760 |
| Pretax return on assets | 0.3166% | 5,928 |
| Return on Equity (ROE) | 4.4544% | 5,066 |
| Retained earnings to average equity (ytd only) | 4.4544% | 3,760 |
| Net charge-offs to loans | 1.1780% | 848 |
| Credit loss provision to net charge-offs | 62.6833% | 4,080 |
| Earnings coverage of net charge-offs (x) | 0.9560% | 4,843 |
| Efficiency ratio | 88.1841% | 1,175 |
| Assets per employee ($millions) | 2.2207% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 1,583 |
| Loan loss allowance to noncurrent loans | 83.1429% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 4.2414% | 1,118 |
| Noncurrent loans to loans | 2.7287% | 2,076 |
| Net loans and leases to total assets | 63.9032% | 3,038 |
| Net loans and leases to deposits | 70.7197% | 3,799 |
| Net loans and leases to core deposits | 70.9954% | 4,376 |
| Total domestic deposits to total assets | 90.3613% | 646 |
| Equity capital to assets | 7.1837% | 6,850 |
| Core capital (leverage) ratio | 6.8831% | 6,820 |
| Tier 1 risk-based capital ratio | 10.3736% | 6,710 |
| Total risk-based capital ratio | 11.6318% | 6,683 |
| Memoranda: | ||
| Average total assets | $232,066,500 | 2,729 |
| Average earning assets | $213,816,750 | 2,712 |
| Average equity | $16,492,750 | 3,739 |
| Average total loans | $154,376,250 | 2,538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 2,228 |
| Cost of funding earning assets | 0.2255% | 6,979 |
| Net interest margin | 4.6454% | 751 |
| Noninterest income to average assets | 1.9969% | 408 |
| Noninterest expense to average assets | 5.3274% | 303 |
| Loan and lease loss provision to assets | 0.1342% | 3,851 |
| Net operating income to assets | 0.8166% | 3,318 |
| Return on assets (ROA) | 0.8764% | 3,267 |
| Pretax return on assets | 0.8764% | 4,170 |
| Return on Equity (ROE) | 12.3764% | 1,547 |
| Retained earnings to average equity (ytd only) | 12.3764% | 521 |
| Net charge-offs to loans | -0.0414% | 6,616 |
| Credit loss provision to net charge-offs | -484.3750% | 6,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8552% | 1,550 |
| Assets per employee ($millions) | 2.0836% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7003% | 1,034 |
| Loan loss allowance to noncurrent loans | 75.0090% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 4.3380% | 1,150 |
| Noncurrent loans to loans | 3.6000% | 1,591 |
| Net loans and leases to total assets | 66.4293% | 2,585 |
| Net loans and leases to deposits | 73.4961% | 3,380 |
| Net loans and leases to core deposits | 74.1653% | 4,009 |
| Total domestic deposits to total assets | 90.3848% | 721 |
| Equity capital to assets | 7.4946% | 6,799 |
| Core capital (leverage) ratio | 7.2341% | 6,746 |
| Tier 1 risk-based capital ratio | 10.6275% | 6,651 |
| Total risk-based capital ratio | 11.9003% | 6,628 |
| Memoranda: | ||
| Average total assets | $230,957,000 | 2,745 |
| Average earning assets | $212,857,670 | 2,726 |
| Average equity | $16,353,670 | 3,752 |
| Average total loans | $154,529,330 | 2,543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 1,793 |
| Cost of funding earning assets | 0.2297% | 7,055 |
| Net interest margin | 4.7981% | 564 |
| Noninterest income to average assets | 1.9426% | 429 |
| Noninterest expense to average assets | 5.3504% | 291 |
| Loan and lease loss provision to assets | 0.2662% | 2,327 |
| Net operating income to assets | 0.7386% | 3,689 |
| Return on assets (ROA) | 0.7643% | 3,785 |
| Pretax return on assets | 0.7643% | 4,554 |
| Return on Equity (ROE) | 11.1111% | 1,978 |
| Retained earnings to average equity (ytd only) | 11.1111% | 1,001 |
| Net charge-offs to loans | -0.2852% | 7,053 |
| Credit loss provision to net charge-offs | -140.9091% | 5,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1892% | 1,668 |
| Assets per employee ($millions) | 2.1334% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7948% | 1,012 |
| Loan loss allowance to noncurrent loans | 73.7679% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 4.4590% | 1,205 |
| Noncurrent loans to loans | 3.7887% | 1,632 |
| Net loans and leases to total assets | 63.8045% | 2,890 |
| Net loans and leases to deposits | 70.0977% | 3,721 |
| Net loans and leases to core deposits | 70.8130% | 4,319 |
| Total domestic deposits to total assets | 91.0223% | 547 |
| Equity capital to assets | 7.0675% | 6,921 |
| Core capital (leverage) ratio | 6.8722% | 6,884 |
| Tier 1 risk-based capital ratio | 10.2751% | 6,802 |
| Total risk-based capital ratio | 11.5466% | 6,799 |
| Memoranda: | ||
| Average total assets | $232,881,000 | 2,740 |
| Average earning assets | $214,169,000 | 2,722 |
| Average equity | $16,020,000 | 3,814 |
| Average total loans | $154,267,000 | 2,569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 1,996 |
| Cost of funding earning assets | 0.3493% | 7,011 |
| Net interest margin | 4.8688% | 543 |
| Noninterest income to average assets | 1.7150% | 482 |
| Noninterest expense to average assets | 5.7448% | 238 |
| Loan and lease loss provision to assets | 0.6790% | 1,510 |
| Net operating income to assets | -0.2339% | 6,287 |
| Return on assets (ROA) | -0.1992% | 6,327 |
| Pretax return on assets | -0.2075% | 6,291 |
| Return on Equity (ROE) | -2.8516% | 6,399 |
| Retained earnings to average equity (ytd only) | -2.8516% | 6,254 |
| Net charge-offs to loans | 2.8187% | 372 |
| Credit loss provision to net charge-offs | 33.7522% | 5,731 |
| Earnings coverage of net charge-offs (x) | 0.2164% | 5,668 |
| Efficiency ratio | 92.9549% | 986 |
| Assets per employee ($millions) | 2.1202% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5658% | 1,228 |
| Loan loss allowance to noncurrent loans | 63.5021% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 5.1012% | 1,037 |
| Noncurrent loans to loans | 4.0405% | 1,544 |
| Net loans and leases to total assets | 65.1298% | 2,948 |
| Net loans and leases to deposits | 71.6919% | 3,848 |
| Net loans and leases to core deposits | 72.4317% | 4,453 |
| Total domestic deposits to total assets | 90.8468% | 566 |
| Equity capital to assets | 6.6911% | 7,023 |
| Core capital (leverage) ratio | 6.7653% | 6,929 |
| Tier 1 risk-based capital ratio | 9.5910% | 6,944 |
| Total risk-based capital ratio | 10.8591% | 6,935 |
| Memoranda: | ||
| Average total assets | $229,443,400 | 2,731 |
| Average earning assets | $210,421,000 | 2,726 |
| Average equity | $16,026,200 | 3,724 |
| Average total loans | $163,764,400 | 2,442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2897% | 1,901 |
| Cost of funding earning assets | 0.3833% | 7,052 |
| Net interest margin | 4.9064% | 504 |
| Noninterest income to average assets | 1.6729% | 488 |
| Noninterest expense to average assets | 5.8070% | 223 |
| Loan and lease loss provision to assets | 0.8303% | 1,117 |
| Net operating income to assets | -0.4604% | 6,619 |
| Return on assets (ROA) | -0.4394% | 6,651 |
| Pretax return on assets | -0.4400% | 6,587 |
| Return on Equity (ROE) | -6.2237% | 6,732 |
| Retained earnings to average equity (ytd only) | -6.2237% | 6,659 |
| Net charge-offs to loans | 3.1448% | 290 |
| Credit loss provision to net charge-offs | 36.4032% | 5,314 |
| Earnings coverage of net charge-offs (x) | 0.1619% | 5,485 |
| Efficiency ratio | 94.0198% | 917 |
| Assets per employee ($millions) | 1.9928% | 7,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8567% | 974 |
| Loan loss allowance to noncurrent loans | 55.4115% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 5.7904% | 944 |
| Noncurrent loans to loans | 5.1555% | 1,187 |
| Net loans and leases to total assets | 69.6565% | 2,147 |
| Net loans and leases to deposits | 76.3319% | 3,277 |
| Net loans and leases to core deposits | 77.1504% | 4,027 |
| Total domestic deposits to total assets | 91.2548% | 360 |
| Equity capital to assets | 6.9436% | 7,062 |
| Core capital (leverage) ratio | 6.6607% | 7,040 |
| Tier 1 risk-based capital ratio | 9.3714% | 7,070 |
| Total risk-based capital ratio | 10.6446% | 7,065 |
| Memoranda: | ||
| Average total assets | $228,499,500 | 2,745 |
| Average earning assets | $209,734,250 | 2,740 |
| Average equity | $16,131,500 | 3,712 |
| Average total loans | $165,731,750 | 2,433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 1,941 |
| Cost of funding earning assets | 0.4288% | 7,065 |
| Net interest margin | 4.8545% | 550 |
| Noninterest income to average assets | 1.5460% | 534 |
| Noninterest expense to average assets | 5.6274% | 249 |
| Loan and lease loss provision to assets | -0.0669% | 7,410 |
| Net operating income to assets | 0.4404% | 4,769 |
| Return on assets (ROA) | 0.4404% | 4,906 |
| Pretax return on assets | 0.4395% | 5,262 |
| Return on Equity (ROE) | 6.2046% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.2046% | 2,294 |
| Net charge-offs to loans | 0.6658% | 2,170 |
| Credit loss provision to net charge-offs | -13.7993% | 6,187 |
| Earnings coverage of net charge-offs (x) | 0.7688% | 4,727 |
| Efficiency ratio | 93.7898% | 992 |
| Assets per employee ($millions) | 2.0896% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9340% | 436 |
| Loan loss allowance to noncurrent loans | 65.0233% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 6.6427% | 794 |
| Noncurrent loans to loans | 6.0502% | 979 |
| Net loans and leases to total assets | 69.4999% | 2,318 |
| Net loans and leases to deposits | 77.1794% | 3,267 |
| Net loans and leases to core deposits | 78.0113% | 4,053 |
| Total domestic deposits to total assets | 90.0499% | 952 |
| Equity capital to assets | 7.4931% | 6,946 |
| Core capital (leverage) ratio | 7.2552% | 6,888 |
| Tier 1 risk-based capital ratio | 9.9443% | 6,995 |
| Total risk-based capital ratio | 11.2314% | 6,983 |
| Memoranda: | ||
| Average total assets | $230,266,670 | 2,751 |
| Average earning assets | $211,268,670 | 2,744 |
| Average equity | $16,342,670 | 3,675 |
| Average total loans | $167,627,670 | 2,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 2,213 |
| Cost of funding earning assets | 0.5195% | 6,901 |
| Net interest margin | 4.6829% | 738 |
| Noninterest income to average assets | 1.6082% | 515 |
| Noninterest expense to average assets | 5.7911% | 217 |
| Loan and lease loss provision to assets | -0.1324% | 7,493 |
| Net operating income to assets | 0.2769% | 5,515 |
| Return on assets (ROA) | 0.2769% | 5,577 |
| Pretax return on assets | 0.2752% | 5,726 |
| Return on Equity (ROE) | 4.0102% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.0102% | 3,767 |
| Net charge-offs to loans | 0.6219% | 1,957 |
| Credit loss provision to net charge-offs | -29.1667% | 5,616 |
| Earnings coverage of net charge-offs (x) | 0.3144% | 4,380 |
| Efficiency ratio | 97.5942% | 857 |
| Assets per employee ($millions) | 2.1095% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1367% | 386 |
| Loan loss allowance to noncurrent loans | 75.7186% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 7.1383% | 737 |
| Noncurrent loans to loans | 5.4632% | 1,200 |
| Net loans and leases to total assets | 68.3235% | 2,486 |
| Net loans and leases to deposits | 75.3623% | 3,526 |
| Net loans and leases to core deposits | 76.2587% | 4,272 |
| Total domestic deposits to total assets | 90.6601% | 778 |
| Equity capital to assets | 7.0795% | 7,059 |
| Core capital (leverage) ratio | 6.7833% | 7,083 |
| Tier 1 risk-based capital ratio | 9.4609% | 7,151 |
| Total risk-based capital ratio | 10.7106% | 7,160 |
| Memoranda: | ||
| Average total assets | $232,562,500 | 2,753 |
| Average earning assets | $214,822,000 | 2,726 |
| Average equity | $16,059,000 | 3,718 |
| Average total loans | $169,808,000 | 2,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 1,796 |
| Cost of funding earning assets | 0.9353% | 6,006 |
| Net interest margin | 4.6951% | 828 |
| Noninterest income to average assets | 1.9044% | 430 |
| Noninterest expense to average assets | 5.1683% | 373 |
| Loan and lease loss provision to assets | 3.2960% | 256 |
| Net operating income to assets | -2.1992% | 7,112 |
| Return on assets (ROA) | -1.9235% | 7,051 |
| Pretax return on assets | -1.9158% | 6,999 |
| Return on Equity (ROE) | -24.4442% | 7,121 |
| Retained earnings to average equity (ytd only) | -26.8799% | 7,162 |
| Net charge-offs to loans | 2.7406% | 654 |
| Credit loss provision to net charge-offs | 157.7342% | 2,234 |
| Earnings coverage of net charge-offs (x) | 0.5286% | 5,588 |
| Efficiency ratio | 82.3925% | 2,111 |
| Assets per employee ($millions) | 2.1000% | 7,368 |
| Cash dividends to net income (ytd only)* | -9.9641% | 7,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9822% | 413 |
| Loan loss allowance to noncurrent loans | 50.8465% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 7.5365% | 688 |
| Noncurrent loans to loans | 7.8318% | 669 |
| Net loans and leases to total assets | 71.7165% | 2,161 |
| Net loans and leases to deposits | 80.6037% | 3,059 |
| Net loans and leases to core deposits | 82.2723% | 3,870 |
| Total domestic deposits to total assets | 88.9742% | 1,676 |
| Equity capital to assets | 6.7380% | 7,196 |
| Core capital (leverage) ratio | 6.5608% | 7,182 |
| Tier 1 risk-based capital ratio | 9.0806% | 7,230 |
| Total risk-based capital ratio | 10.3692% | 7,224 |
| Memoranda: | ||
| Average total assets | $246,268,200 | 2,583 |
| Average earning assets | $229,132,800 | 2,534 |
| Average equity | $19,378,800 | 3,229 |
| Average total loans | $187,771,600 | 2,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7407% | 1,574 |
| Cost of funding earning assets | 1.0099% | 5,892 |
| Net interest margin | 4.7307% | 784 |
| Noninterest income to average assets | 1.8494% | 427 |
| Noninterest expense to average assets | 5.1345% | 338 |
| Loan and lease loss provision to assets | 3.9445% | 168 |
| Net operating income to assets | -2.8296% | 7,415 |
| Return on assets (ROA) | -2.4653% | 7,356 |
| Pretax return on assets | -2.4648% | 7,310 |
| Return on Equity (ROE) | -30.2899% | 7,386 |
| Retained earnings to average equity (ytd only) | -32.2807% | 7,412 |
| Net charge-offs to loans | 3.0692% | 492 |
| Credit loss provision to net charge-offs | 167.7390% | 2,223 |
| Earnings coverage of net charge-offs (x) | 0.4743% | 5,550 |
| Efficiency ratio | 82.1530% | 2,046 |
| Assets per employee ($millions) | 2.0967% | 7,463 |
| Cash dividends to net income (ytd only)* | -6.5724% | 7,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7432% | 453 |
| Loan loss allowance to noncurrent loans | 44.8690% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 8.1101% | 616 |
| Noncurrent loans to loans | 8.3426% | 600 |
| Net loans and leases to total assets | 75.2619% | 1,539 |
| Net loans and leases to deposits | 83.7757% | 2,745 |
| Net loans and leases to core deposits | 85.4604% | 3,735 |
| Total domestic deposits to total assets | 89.8373% | 956 |
| Equity capital to assets | 6.7054% | 7,395 |
| Core capital (leverage) ratio | 6.4206% | 7,354 |
| Tier 1 risk-based capital ratio | 8.7521% | 7,412 |
| Total risk-based capital ratio | 10.0101% | 7,423 |
| Memoranda: | ||
| Average total assets | $248,511,000 | 2,590 |
| Average earning assets | $231,163,500 | 2,551 |
| Average equity | $20,226,250 | 3,160 |
| Average total loans | $190,404,750 | 2,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 1,507 |
| Cost of funding earning assets | 1.0148% | 6,074 |
| Net interest margin | 4.7569% | 713 |
| Noninterest income to average assets | 1.8488% | 396 |
| Noninterest expense to average assets | 5.1575% | 335 |
| Loan and lease loss provision to assets | 0.9348% | 1,566 |
| Net operating income to assets | 0.1785% | 5,637 |
| Return on assets (ROA) | 0.1785% | 5,761 |
| Pretax return on assets | 0.1793% | 5,818 |
| Return on Equity (ROE) | 2.0761% | 5,614 |
| Retained earnings to average equity (ytd only) | -0.7229% | 5,909 |
| Net charge-offs to loans | 1.0501% | 1,787 |
| Credit loss provision to net charge-offs | 116.9492% | 3,474 |
| Earnings coverage of net charge-offs (x) | 1.3938% | 4,444 |
| Efficiency ratio | 82.2363% | 2,130 |
| Assets per employee ($millions) | 2.1125% | 7,505 |
| Cash dividends to net income (ytd only)* | 134.8214% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 1,701 |
| Loan loss allowance to noncurrent loans | 54.2202% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 4.6286% | 1,416 |
| Noncurrent loans to loans | 4.1168% | 1,819 |
| Net loans and leases to total assets | 74.2037% | 1,867 |
| Net loans and leases to deposits | 84.6557% | 2,759 |
| Net loans and leases to core deposits | 86.3265% | 3,782 |
| Total domestic deposits to total assets | 87.6536% | 2,178 |
| Equity capital to assets | 8.5734% | 6,056 |
| Core capital (leverage) ratio | 8.4186% | 5,546 |
| Tier 1 risk-based capital ratio | 10.8315% | 6,420 |
| Total risk-based capital ratio | 12.0946% | 6,399 |
| Memoranda: | ||
| Average total assets | $250,975,330 | 2,592 |
| Average earning assets | $233,343,000 | 2,556 |
| Average equity | $21,579,000 | 2,967 |
| Average total loans | $191,030,670 | 2,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6903% | 1,814 |
| Cost of funding earning assets | 1.0472% | 6,143 |
| Net interest margin | 4.6431% | 884 |
| Noninterest income to average assets | 1.6781% | 451 |
| Noninterest expense to average assets | 5.0150% | 360 |
| Loan and lease loss provision to assets | 1.2888% | 940 |
| Net operating income to assets | -0.2919% | 6,658 |
| Return on assets (ROA) | -0.2919% | 6,714 |
| Pretax return on assets | -0.2903% | 6,627 |
| Return on Equity (ROE) | -3.3901% | 6,770 |
| Retained earnings to average equity (ytd only) | -3.9459% | 6,491 |
| Net charge-offs to loans | 0.0963% | 4,454 |
| Credit loss provision to net charge-offs | 1,756.5217% | 285 |
| Earnings coverage of net charge-offs (x) | 13.6087% | 1,485 |
| Efficiency ratio | 83.3952% | 2,088 |
| Assets per employee ($millions) | 2.1574% | 7,576 |
| Cash dividends to net income (ytd only)* | -16.3934% | 7,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5613% | 1,222 |
| Loan loss allowance to noncurrent loans | 59.2982% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 4.4668% | 1,520 |
| Noncurrent loans to loans | 4.3194% | 1,754 |
| Net loans and leases to total assets | 74.3674% | 1,899 |
| Net loans and leases to deposits | 85.7345% | 2,638 |
| Net loans and leases to core deposits | 87.7667% | 3,647 |
| Total domestic deposits to total assets | 86.7415% | 2,770 |
| Equity capital to assets | 8.7377% | 5,674 |
| Core capital (leverage) ratio | 8.4212% | 5,522 |
| Tier 1 risk-based capital ratio | 10.7070% | 6,433 |
| Total risk-based capital ratio | 11.9742% | 6,405 |
| Memoranda: | ||
| Average total assets | $250,766,500 | 2,644 |
| Average earning assets | $234,152,000 | 2,601 |
| Average equity | $21,592,000 | 2,992 |
| Average total loans | $191,145,000 | 2,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1038% | 1,506 |
| Cost of funding earning assets | 1.1395% | 6,854 |
| Net interest margin | 4.9643% | 483 |
| Noninterest income to average assets | 2.0140% | 369 |
| Noninterest expense to average assets | 5.1060% | 483 |
| Loan and lease loss provision to assets | 1.4220% | 1,611 |
| Net operating income to assets | 0.1270% | 5,124 |
| Return on assets (ROA) | 0.1270% | 5,180 |
| Pretax return on assets | 0.1358% | 5,145 |
| Return on Equity (ROE) | 1.4394% | 5,108 |
| Retained earnings to average equity (ytd only) | -2.4005% | 5,596 |
| Net charge-offs to loans | 1.4306% | 1,755 |
| Credit loss provision to net charge-offs | 122.7491% | 4,309 |
| Earnings coverage of net charge-offs (x) | 1.3447% | 4,788 |
| Efficiency ratio | 76.6235% | 3,419 |
| Assets per employee ($millions) | 2.1661% | 7,597 |
| Cash dividends to net income (ytd only)* | 266.7712% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 1,793 |
| Loan loss allowance to noncurrent loans | 56.5031% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 3.6084% | 1,850 |
| Noncurrent loans to loans | 3.7499% | 2,000 |
| Net loans and leases to total assets | 74.5154% | 2,141 |
| Net loans and leases to deposits | 86.2808% | 2,861 |
| Net loans and leases to core deposits | 95.2176% | 4,544 |
| Total domestic deposits to total assets | 86.3638% | 2,831 |
| Equity capital to assets | 8.4858% | 5,902 |
| Core capital (leverage) ratio | 8.2997% | 5,617 |
| Tier 1 risk-based capital ratio | 10.5175% | 6,381 |
| Total risk-based capital ratio | 11.7799% | 6,344 |
| Memoranda: | ||
| Average total assets | $251,192,600 | 2,596 |
| Average earning assets | $235,279,400 | 2,550 |
| Average equity | $22,162,200 | 2,932 |
| Average total loans | $203,406,000 | 2,269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1623% | 1,466 |
| Cost of funding earning assets | 1.1594% | 7,005 |
| Net interest margin | 5.0029% | 438 |
| Noninterest income to average assets | 2.0662% | 346 |
| Noninterest expense to average assets | 4.9851% | 496 |
| Loan and lease loss provision to assets | 0.8086% | 2,346 |
| Net operating income to assets | 0.9506% | 2,232 |
| Return on assets (ROA) | 0.9506% | 2,292 |
| Pretax return on assets | 0.9623% | 3,014 |
| Return on Equity (ROE) | 10.6718% | 1,715 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,157 |
| Net charge-offs to loans | 0.7015% | 2,593 |
| Credit loss provision to net charge-offs | 140.2214% | 3,510 |
| Earnings coverage of net charge-offs (x) | 3.0710% | 3,694 |
| Efficiency ratio | 73.7874% | 3,897 |
| Assets per employee ($millions) | 2.2583% | 7,547 |
| Cash dividends to net income (ytd only)* | 47.5659% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 1,946 |
| Loan loss allowance to noncurrent loans | 72.3221% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.9411% | 2,351 |
| Noncurrent loans to loans | 2.6736% | 2,834 |
| Net loans and leases to total assets | 78.8476% | 1,413 |
| Net loans and leases to deposits | 91.8567% | 2,255 |
| Net loans and leases to core deposits | 102.7580% | 4,079 |
| Total domestic deposits to total assets | 85.8376% | 2,788 |
| Equity capital to assets | 9.3301% | 4,986 |
| Core capital (leverage) ratio | 8.9773% | 4,682 |
| Tier 1 risk-based capital ratio | 10.6587% | 6,290 |
| Total risk-based capital ratio | 11.9178% | 6,259 |
| Memoranda: | ||
| Average total assets | $250,632,000 | 2,620 |
| Average earning assets | $234,949,500 | 2,566 |
| Average equity | $22,326,250 | 2,930 |
| Average total loans | $206,023,500 | 2,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1094% | 1,764 |
| Cost of funding earning assets | 1.1820% | 7,160 |
| Net interest margin | 4.9274% | 511 |
| Noninterest income to average assets | 2.0694% | 347 |
| Noninterest expense to average assets | 5.0173% | 508 |
| Loan and lease loss provision to assets | 0.8314% | 2,018 |
| Net operating income to assets | 0.8283% | 2,740 |
| Return on assets (ROA) | 0.8283% | 2,838 |
| Pretax return on assets | 0.8410% | 3,538 |
| Return on Equity (ROE) | 9.4453% | 2,205 |
| Retained earnings to average equity (ytd only) | 4.4096% | 2,843 |
| Net charge-offs to loans | 0.7640% | 2,149 |
| Credit loss provision to net charge-offs | 131.4465% | 3,549 |
| Earnings coverage of net charge-offs (x) | 2.6440% | 3,752 |
| Efficiency ratio | 75.0000% | 3,873 |
| Assets per employee ($millions) | 2.2928% | 7,564 |
| Cash dividends to net income (ytd only)* | 53.3141% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 2,202 |
| Loan loss allowance to noncurrent loans | 65.3101% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.9293% | 2,177 |
| Noncurrent loans to loans | 2.6709% | 2,698 |
| Net loans and leases to total assets | 82.0775% | 943 |
| Net loans and leases to deposits | 96.1937% | 1,765 |
| Net loans and leases to core deposits | 109.1153% | 3,479 |
| Total domestic deposits to total assets | 85.3252% | 3,097 |
| Equity capital to assets | 8.8550% | 5,520 |
| Core capital (leverage) ratio | 8.8205% | 4,910 |
| Tier 1 risk-based capital ratio | 9.9939% | 6,936 |
| Total risk-based capital ratio | 11.1792% | 6,931 |
| Memoranda: | ||
| Average total assets | $251,372,330 | 2,618 |
| Average earning assets | $235,703,670 | 2,567 |
| Average equity | $22,042,670 | 2,965 |
| Average total loans | $208,122,000 | 2,260 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0391% | 2,201 |
| Cost of funding earning assets | 1.2435% | 7,190 |
| Net interest margin | 4.7956% | 614 |
| Noninterest income to average assets | 1.6656% | 492 |
| Noninterest expense to average assets | 4.7403% | 576 |
| Loan and lease loss provision to assets | 0.9006% | 1,454 |
| Net operating income to assets | 0.4989% | 4,424 |
| Return on assets (ROA) | 0.4989% | 4,614 |
| Pretax return on assets | 0.5244% | 5,006 |
| Return on Equity (ROE) | 5.7175% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.7175% | 2,769 |
| Net charge-offs to loans | 1.1603% | 1,183 |
| Credit loss provision to net charge-offs | 94.1667% | 3,916 |
| Earnings coverage of net charge-offs (x) | 1.4900% | 3,989 |
| Efficiency ratio | 76.8873% | 3,349 |
| Assets per employee ($millions) | 2.2860% | 7,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,406 |
| Loan loss allowance to noncurrent loans | 45.2314% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.4460% | 1,568 |
| Noncurrent loans to loans | 3.6012% | 1,750 |
| Net loans and leases to total assets | 82.9456% | 853 |
| Net loans and leases to deposits | 97.1674% | 1,780 |
| Net loans and leases to core deposits | 111.8749% | 3,234 |
| Total domestic deposits to total assets | 85.3637% | 3,031 |
| Equity capital to assets | 8.9346% | 5,427 |
| Core capital (leverage) ratio | 8.7169% | 5,124 |
| Tier 1 risk-based capital ratio | 10.1525% | 6,758 |
| Total risk-based capital ratio | 11.4081% | 6,659 |
| Memoranda: | ||
| Average total assets | $250,954,500 | 2,634 |
| Average earning assets | $235,466,500 | 2,580 |
| Average equity | $21,897,500 | 2,989 |
| Average total loans | $206,842,500 | 2,299 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9272% | 1,321 |
| Cost of funding earning assets | 1.8906% | 6,754 |
| Net interest margin | 5.0366% | 465 |
| Noninterest income to average assets | 1.6763% | 489 |
| Noninterest expense to average assets | 4.5835% | 824 |
| Loan and lease loss provision to assets | 1.1976% | 1,203 |
| Net operating income to assets | 0.5709% | 4,439 |
| Return on assets (ROA) | 0.5709% | 4,300 |
| Pretax return on assets | 0.5961% | 4,707 |
| Return on Equity (ROE) | 6.8941% | 3,585 |
| Retained earnings to average equity (ytd only) | -0.5974% | 5,469 |
| Net charge-offs to loans | 1.0700% | 1,141 |
| Credit loss provision to net charge-offs | 138.5104% | 3,837 |
| Earnings coverage of net charge-offs (x) | 2.0745% | 5,040 |
| Efficiency ratio | 71.8737% | 3,962 |
| Assets per employee ($millions) | 2.3183% | 7,533 |
| Cash dividends to net income (ytd only)* | 108.6657% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,008 |
| Loan loss allowance to noncurrent loans | 71.6886% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 2,145 |
| Noncurrent loans to loans | 2.3255% | 2,378 |
| Net loans and leases to total assets | 79.2425% | 1,825 |
| Net loans and leases to deposits | 92.7884% | 2,999 |
| Net loans and leases to core deposits | 106.6616% | 4,120 |
| Total domestic deposits to total assets | 85.4013% | 2,667 |
| Equity capital to assets | 8.5234% | 6,049 |
| Core capital (leverage) ratio | 8.5462% | 5,485 |
| Tier 1 risk-based capital ratio | 10.0734% | 6,657 |
| Total risk-based capital ratio | 11.3341% | 6,519 |
| Memoranda: | ||
| Average total assets | $254,672,200 | 2,513 |
| Average earning assets | $237,700,200 | 2,473 |
| Average equity | $21,090,400 | 3,087 |
| Average total loans | $205,795,200 | 2,243 |