Home > Black Hills Community Bank, N.A. > Performance and Condition Ratios
Black Hills Community Bank, N.A., 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 | 5.0653% | 1,940 |
| Cost of funding earning assets | 1.7503% | 1,354 |
| Net interest margin | 3.3150% | 2,593 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2531% | 2,975 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1415% | 1,805 |
| Return on assets (ROA) | 1.1415% | 1,777 |
| Pretax return on assets | 1.1415% | 2,290 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 4.6954% | 2,715 |
| Net charge-offs to loans | 0.3021% | 357 |
| Credit loss provision to net charge-offs | 48.0283% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.9029% | 2,507 |
| Efficiency ratio | 64.4523% | 2,553 |
| Assets per employee ($millions) | 9.1301% | 944 |
| Cash dividends to net income (ytd only)* | 59.6681% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,382 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.4700% | 1,869 |
| Net loans and leases to deposits | 83.5612% | 1,815 |
| Net loans and leases to core deposits | 108.2918% | 1,026 |
| Total domestic deposits to total assets | 83.1300% | 2,859 |
| Equity capital to assets | 9.9716% | 2,028 |
| Core capital (leverage) ratio | 10.8366% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $469,806,000 | 1,797 |
| Average earning assets | $447,457,600 | 1,756 |
| Average equity | $46,066,000 | 1,709 |
| Average total loans | $327,358,000 | 1,694 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 1,875 |
| Cost of funding earning assets | 1.5427% | 1,499 |
| Net interest margin | 3.4349% | 2,380 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.2921% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3170% | 1,506 |
| Return on assets (ROA) | 1.3170% | 1,490 |
| Pretax return on assets | 1.3170% | 1,987 |
| Return on Equity (ROE) | 13.4900% | 1,799 |
| Retained earnings to average equity (ytd only) | 4.1183% | 3,228 |
| Net charge-offs to loans | 0.0029% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 240 |
| Efficiency ratio | 63.5082% | 2,559 |
| Assets per employee ($millions) | 8.4026% | 1,161 |
| Cash dividends to net income (ytd only)* | 69.4746% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 932 |
| Loan loss allowance to noncurrent loans | 537.4619% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 2,236 |
| Noncurrent loans to loans | 0.2928% | 2,185 |
| Net loans and leases to total assets | 69.1300% | 1,930 |
| Net loans and leases to deposits | 82.8387% | 1,839 |
| Net loans and leases to core deposits | 98.4005% | 1,422 |
| Total domestic deposits to total assets | 83.4500% | 2,917 |
| Equity capital to assets | 9.5956% | 2,044 |
| Core capital (leverage) ratio | 10.8313% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $466,283,500 | 1,804 |
| Average earning assets | $444,053,000 | 1,768 |
| Average equity | $45,519,500 | 1,707 |
| Average total loans | $323,965,750 | 1,703 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 1,758 |
| Cost of funding earning assets | 1.3706% | 1,528 |
| Net interest margin | 3.5313% | 2,200 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2867% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3803% | 1,382 |
| Return on assets (ROA) | 1.3803% | 1,359 |
| Pretax return on assets | 1.3803% | 1,862 |
| Return on Equity (ROE) | 14.0600% | 1,668 |
| Retained earnings to average equity (ytd only) | -0.0485% | 4,106 |
| Net charge-offs to loans | 0.0044% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 455.5714% | 327 |
| Efficiency ratio | 62.3584% | 2,668 |
| Assets per employee ($millions) | 7.7418% | 1,447 |
| Cash dividends to net income (ytd only)* | 100.3449% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 948 |
| Loan loss allowance to noncurrent loans | 528.3433% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 2,117 |
| Noncurrent loans to loans | 0.3016% | 2,052 |
| Net loans and leases to total assets | 70.3800% | 1,699 |
| Net loans and leases to deposits | 84.6559% | 1,611 |
| Net loans and leases to core deposits | 102.3182% | 1,118 |
| Total domestic deposits to total assets | 83.1400% | 3,013 |
| Equity capital to assets | 9.8384% | 1,952 |
| Core capital (leverage) ratio | 10.7993% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $462,062,000 | 1,822 |
| Average earning assets | $439,948,333 | 1,784 |
| Average equity | $45,373,333 | 1,714 |
| Average total loans | $319,822,333 | 1,708 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 2,091 |
| Cost of funding earning assets | 1.1035% | 1,743 |
| Net interest margin | 3.4929% | 2,385 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3036% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3176% | 1,627 |
| Return on assets (ROA) | 1.3176% | 1,596 |
| Pretax return on assets | 1.3176% | 2,126 |
| Return on Equity (ROE) | 13.4300% | 1,898 |
| Retained earnings to average equity (ytd only) | -14.8817% | 4,548 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6146% | 2,511 |
| Assets per employee ($millions) | 7.8177% | 1,450 |
| Cash dividends to net income (ytd only)* | 210.8037% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 877 |
| Loan loss allowance to noncurrent loans | 516.6667% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,038 |
| Noncurrent loans to loans | 0.3232% | 1,991 |
| Net loans and leases to total assets | 66.5400% | 2,006 |
| Net loans and leases to deposits | 77.5501% | 1,997 |
| Net loans and leases to core deposits | 90.0429% | 1,612 |
| Total domestic deposits to total assets | 85.8000% | 2,653 |
| Equity capital to assets | 9.4441% | 2,188 |
| Core capital (leverage) ratio | 10.7159% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $460,840,000 | 1,849 |
| Average earning assets | $438,609,500 | 1,809 |
| Average equity | $45,210,000 | 1,736 |
| Average total loans | $313,623,500 | 1,746 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 1,070 |
| Cost of funding earning assets | 0.5249% | 1,237 |
| Net interest margin | 3.7651% | 1,233 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.3094% | 2,699 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.6115% | 673 |
| Return on assets (ROA) | 1.6115% | 646 |
| Pretax return on assets | 1.6115% | 1,143 |
| Return on Equity (ROE) | 16.0400% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.4000% | 2,065 |
| Net charge-offs to loans | 0.0032% | 2,364 |
| Credit loss provision to net charge-offs | 1,700.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 731.9000% | 246 |
| Efficiency ratio | 58.3295% | 3,292 |
| Assets per employee ($millions) | 7.5436% | 1,591 |
| Cash dividends to net income (ytd only)* | 53.8537% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 792 |
| Loan loss allowance to noncurrent loans | 505.3384% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 1,986 |
| Noncurrent loans to loans | 0.3386% | 1,937 |
| Net loans and leases to total assets | 67.2800% | 1,905 |
| Net loans and leases to deposits | 75.2685% | 2,152 |
| Net loans and leases to core deposits | 83.9829% | 1,881 |
| Total domestic deposits to total assets | 89.3900% | 1,603 |
| Equity capital to assets | 10.1899% | 1,617 |
| Core capital (leverage) ratio | 11.0945% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $443,612,600 | 1,874 |
| Average earning assets | $419,117,000 | 1,851 |
| Average equity | $44,581,000 | 1,765 |
| Average total loans | $310,823,200 | 1,672 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 931 |
| Cost of funding earning assets | 0.3965% | 1,317 |
| Net interest margin | 3.7808% | 978 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3080% | 2,610 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6588% | 581 |
| Return on assets (ROA) | 1.6588% | 565 |
| Pretax return on assets | 1.6588% | 982 |
| Return on Equity (ROE) | 16.5700% | 878 |
| Retained earnings to average equity (ytd only) | 4.9506% | 3,116 |
| Net charge-offs to loans | 0.0043% | 2,045 |
| Credit loss provision to net charge-offs | 1,280.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 561.9000% | 284 |
| Efficiency ratio | 57.6212% | 3,431 |
| Assets per employee ($millions) | 7.6428% | 1,522 |
| Cash dividends to net income (ytd only)* | 70.1147% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 902 |
| Loan loss allowance to noncurrent loans | 465.8105% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 1,969 |
| Noncurrent loans to loans | 0.3619% | 1,942 |
| Net loans and leases to total assets | 68.0200% | 1,675 |
| Net loans and leases to deposits | 75.7838% | 1,892 |
| Net loans and leases to core deposits | 81.3614% | 1,807 |
| Total domestic deposits to total assets | 89.7600% | 1,758 |
| Equity capital to assets | 9.7795% | 1,736 |
| Core capital (leverage) ratio | 10.8790% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $441,361,750 | 1,890 |
| Average earning assets | $416,687,250 | 1,867 |
| Average equity | $44,196,000 | 1,804 |
| Average total loans | $311,073,250 | 1,666 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 699 |
| Cost of funding earning assets | 0.3330% | 1,414 |
| Net interest margin | 3.8173% | 724 |
| Noninterest income to average assets | 0.4464% | 2,475 |
| Noninterest expense to average assets | 2.3091% | 2,523 |
| Loan and lease loss provision to assets | 0.0393% | 1,881 |
| Net operating income to assets | 1.6929% | 435 |
| Return on assets (ROA) | 1.6929% | 430 |
| Pretax return on assets | 1.6929% | 766 |
| Return on Equity (ROE) | 16.7719% | 590 |
| Retained earnings to average equity (ytd only) | -0.6376% | 4,258 |
| Net charge-offs to loans | 0.0032% | 1,942 |
| Credit loss provision to net charge-offs | 1,720.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 759.0000% | 184 |
| Efficiency ratio | 57.1380% | 3,668 |
| Assets per employee ($millions) | 7.0761% | 1,891 |
| Cash dividends to net income (ytd only)* | 103.8016% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 1,028 |
| Loan loss allowance to noncurrent loans | 481.2903% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 2,088 |
| Noncurrent loans to loans | 0.3453% | 2,114 |
| Net loans and leases to total assets | 70.4284% | 1,260 |
| Net loans and leases to deposits | 78.4766% | 1,505 |
| Net loans and leases to core deposits | 81.3976% | 1,631 |
| Total domestic deposits to total assets | 89.7444% | 1,823 |
| Equity capital to assets | 9.8496% | 1,801 |
| Core capital (leverage) ratio | 10.6408% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,174,667 | 1,908 |
| Average earning assets | $412,644,000 | 1,904 |
| Average equity | $44,228,667 | 1,854 |
| Average total loans | $310,769,333 | 1,667 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 622 |
| Cost of funding earning assets | 0.3085% | 1,567 |
| Net interest margin | 3.8031% | 631 |
| Noninterest income to average assets | 0.4458% | 2,409 |
| Noninterest expense to average assets | 2.2809% | 2,574 |
| Loan and lease loss provision to assets | 0.0402% | 1,634 |
| Net operating income to assets | 1.6944% | 418 |
| Return on assets (ROA) | 1.6944% | 421 |
| Pretax return on assets | 1.6944% | 691 |
| Return on Equity (ROE) | 16.5858% | 469 |
| Retained earnings to average equity (ytd only) | -17.8376% | 4,677 |
| Net charge-offs to loans | 0.0052% | 1,573 |
| Credit loss provision to net charge-offs | 1,100.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 474.7500% | 217 |
| Efficiency ratio | 56.8016% | 3,809 |
| Assets per employee ($millions) | 7.1872% | 1,869 |
| Cash dividends to net income (ytd only)* | 207.5472% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 1,064 |
| Loan loss allowance to noncurrent loans | 444.3396% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,083 |
| Noncurrent loans to loans | 0.3815% | 2,124 |
| Net loans and leases to total assets | 68.5370% | 1,160 |
| Net loans and leases to deposits | 76.2809% | 1,420 |
| Net loans and leases to core deposits | 79.6766% | 1,507 |
| Total domestic deposits to total assets | 89.8482% | 1,659 |
| Equity capital to assets | 9.7884% | 2,059 |
| Core capital (leverage) ratio | 10.2780% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,903,000 | 1,920 |
| Average earning assets | $411,034,500 | 1,917 |
| Average equity | $44,737,000 | 1,901 |
| Average total loans | $309,052,000 | 1,665 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 1,061 |
| Cost of funding earning assets | 0.3823% | 1,664 |
| Net interest margin | 3.7787% | 1,052 |
| Noninterest income to average assets | 0.6524% | 1,936 |
| Noninterest expense to average assets | 2.4525% | 2,330 |
| Loan and lease loss provision to assets | 0.0058% | 2,958 |
| Net operating income to assets | 1.7951% | 510 |
| Return on assets (ROA) | 1.7951% | 532 |
| Pretax return on assets | 1.7951% | 923 |
| Return on Equity (ROE) | 17.5160% | 515 |
| Retained earnings to average equity (ytd only) | 17.5160% | 107 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6606% | 3,498 |
| Assets per employee ($millions) | 7.2898% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 1,164 |
| Loan loss allowance to noncurrent loans | 433.4739% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 2,194 |
| Noncurrent loans to loans | 0.3796% | 2,228 |
| Net loans and leases to total assets | 70.2587% | 1,018 |
| Net loans and leases to deposits | 79.0115% | 1,295 |
| Net loans and leases to core deposits | 82.6148% | 1,415 |
| Total domestic deposits to total assets | 88.9222% | 1,554 |
| Equity capital to assets | 10.6450% | 2,052 |
| Core capital (leverage) ratio | 10.7250% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,853,200 | 1,943 |
| Average earning assets | $396,298,800 | 1,919 |
| Average equity | $42,618,200 | 1,988 |
| Average total loans | $304,536,800 | 1,690 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 1,072 |
| Cost of funding earning assets | 0.4038% | 1,672 |
| Net interest margin | 3.8214% | 1,075 |
| Noninterest income to average assets | 0.7166% | 1,768 |
| Noninterest expense to average assets | 2.3699% | 2,536 |
| Loan and lease loss provision to assets | 0.0078% | 2,824 |
| Net operating income to assets | 1.9814% | 479 |
| Return on assets (ROA) | 1.9814% | 506 |
| Pretax return on assets | 1.9814% | 825 |
| Return on Equity (ROE) | 19.5354% | 462 |
| Retained earnings to average equity (ytd only) | 19.5354% | 147 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3666% | 3,756 |
| Assets per employee ($millions) | 7.6305% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 1,215 |
| Loan loss allowance to noncurrent loans | 430.9304% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 2,409 |
| Noncurrent loans to loans | 0.3839% | 2,409 |
| Net loans and leases to total assets | 70.2678% | 1,056 |
| Net loans and leases to deposits | 78.8908% | 1,398 |
| Net loans and leases to core deposits | 84.7918% | 1,366 |
| Total domestic deposits to total assets | 89.0697% | 1,240 |
| Equity capital to assets | 10.4472% | 2,498 |
| Core capital (leverage) ratio | 10.6523% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,469,250 | 1,972 |
| Average earning assets | $391,263,750 | 1,952 |
| Average equity | $41,632,750 | 2,058 |
| Average total loans | $302,559,750 | 1,727 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 1,084 |
| Cost of funding earning assets | 0.4269% | 1,679 |
| Net interest margin | 3.8279% | 1,096 |
| Noninterest income to average assets | 0.8401% | 1,423 |
| Noninterest expense to average assets | 2.3902% | 2,495 |
| Loan and lease loss provision to assets | 0.0119% | 2,704 |
| Net operating income to assets | 2.0929% | 412 |
| Return on assets (ROA) | 2.0929% | 430 |
| Pretax return on assets | 2.0929% | 691 |
| Return on Equity (ROE) | 20.8602% | 391 |
| Retained earnings to average equity (ytd only) | 20.8602% | 134 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1741% | 3,908 |
| Assets per employee ($millions) | 7.6835% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,230 |
| Loan loss allowance to noncurrent loans | 379.6898% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 2,292 |
| Noncurrent loans to loans | 0.4263% | 2,403 |
| Net loans and leases to total assets | 75.3113% | 652 |
| Net loans and leases to deposits | 84.5724% | 1,018 |
| Net loans and leases to core deposits | 91.2890% | 1,050 |
| Total domestic deposits to total assets | 89.0494% | 1,262 |
| Equity capital to assets | 10.4495% | 2,440 |
| Core capital (leverage) ratio | 10.7822% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,312,667 | 1,996 |
| Average earning assets | $384,131,667 | 1,967 |
| Average equity | $40,364,000 | 2,090 |
| Average total loans | $299,825,333 | 1,746 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 1,303 |
| Cost of funding earning assets | 0.4784% | 1,533 |
| Net interest margin | 3.6609% | 1,427 |
| Noninterest income to average assets | 0.9767% | 1,172 |
| Noninterest expense to average assets | 2.3939% | 2,509 |
| Loan and lease loss provision to assets | 0.0121% | 2,623 |
| Net operating income to assets | 2.0565% | 526 |
| Return on assets (ROA) | 2.0565% | 564 |
| Pretax return on assets | 2.0565% | 863 |
| Return on Equity (ROE) | 20.9530% | 472 |
| Retained earnings to average equity (ytd only) | 20.9530% | 239 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6442% | 3,827 |
| Assets per employee ($millions) | 7.4667% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 982 |
| Loan loss allowance to noncurrent loans | 420.0655% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 2,661 |
| Noncurrent loans to loans | 0.4114% | 2,630 |
| Net loans and leases to total assets | 71.0209% | 1,151 |
| Net loans and leases to deposits | 79.4202% | 1,580 |
| Net loans and leases to core deposits | 89.3030% | 1,271 |
| Total domestic deposits to total assets | 89.4243% | 1,112 |
| Equity capital to assets | 10.0127% | 2,695 |
| Core capital (leverage) ratio | 10.5032% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,014,000 | 2,009 |
| Average earning assets | $377,062,000 | 1,979 |
| Average equity | $38,868,000 | 2,132 |
| Average total loans | $290,930,500 | 1,786 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 805 |
| Cost of funding earning assets | 0.8032% | 1,192 |
| Net interest margin | 3.9488% | 1,092 |
| Noninterest income to average assets | 0.8536% | 1,388 |
| Noninterest expense to average assets | 2.6038% | 2,536 |
| Loan and lease loss provision to assets | 0.4760% | 555 |
| Net operating income to assets | 1.5161% | 777 |
| Return on assets (ROA) | 1.5161% | 843 |
| Pretax return on assets | 1.5161% | 1,284 |
| Return on Equity (ROE) | 15.3896% | 582 |
| Retained earnings to average equity (ytd only) | 11.3029% | 397 |
| Net charge-offs to loans | -0.0051% | 4,135 |
| Credit loss provision to net charge-offs | -11,821.4286% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6548% | 3,901 |
| Assets per employee ($millions) | 7.0622% | 1,537 |
| Cash dividends to net income (ytd only)* | 26.5554% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 866 |
| Loan loss allowance to noncurrent loans | 396.3594% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 2,641 |
| Noncurrent loans to loans | 0.4529% | 2,614 |
| Net loans and leases to total assets | 73.4096% | 1,104 |
| Net loans and leases to deposits | 81.6430% | 1,692 |
| Net loans and leases to core deposits | 96.6215% | 1,085 |
| Total domestic deposits to total assets | 89.9153% | 602 |
| Equity capital to assets | 9.6017% | 3,514 |
| Core capital (leverage) ratio | 9.6286% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,723,400 | 2,063 |
| Average earning assets | $329,547,200 | 2,028 |
| Average equity | $34,256,800 | 2,272 |
| Average total loans | $276,877,800 | 1,790 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 1,141 |
| Cost of funding earning assets | 0.8770% | 1,150 |
| Net interest margin | 3.7902% | 1,645 |
| Noninterest income to average assets | 0.8008% | 1,491 |
| Noninterest expense to average assets | 2.5478% | 2,698 |
| Loan and lease loss provision to assets | 0.3262% | 1,197 |
| Net operating income to assets | 1.5187% | 868 |
| Return on assets (ROA) | 1.5187% | 944 |
| Pretax return on assets | 1.5187% | 1,407 |
| Return on Equity (ROE) | 15.3065% | 647 |
| Retained earnings to average equity (ytd only) | 9.7621% | 814 |
| Net charge-offs to loans | -0.0068% | 4,132 |
| Credit loss provision to net charge-offs | -5,928.5714% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0016% | 3,663 |
| Assets per employee ($millions) | 7.3580% | 1,295 |
| Cash dividends to net income (ytd only)* | 36.2225% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,641 |
| Loan loss allowance to noncurrent loans | 324.9054% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,571 |
| Noncurrent loans to loans | 0.4379% | 2,745 |
| Net loans and leases to total assets | 77.7302% | 867 |
| Net loans and leases to deposits | 86.2245% | 1,670 |
| Net loans and leases to core deposits | 100.9802% | 1,091 |
| Total domestic deposits to total assets | 90.1486% | 377 |
| Equity capital to assets | 9.2176% | 3,939 |
| Core capital (leverage) ratio | 9.2426% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,314,500 | 2,081 |
| Average earning assets | $321,555,750 | 2,050 |
| Average equity | $33,666,750 | 2,294 |
| Average total loans | $274,829,500 | 1,793 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 1,166 |
| Cost of funding earning assets | 0.9793% | 1,048 |
| Net interest margin | 3.8235% | 1,765 |
| Noninterest income to average assets | 0.7018% | 1,730 |
| Noninterest expense to average assets | 2.5671% | 2,775 |
| Loan and lease loss provision to assets | 0.1878% | 2,145 |
| Net operating income to assets | 1.5618% | 824 |
| Return on assets (ROA) | 1.5618% | 893 |
| Pretax return on assets | 1.5618% | 1,316 |
| Return on Equity (ROE) | 15.3140% | 667 |
| Retained earnings to average equity (ytd only) | 6.8632% | 1,715 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4695% | 3,489 |
| Assets per employee ($millions) | 6.8318% | 1,543 |
| Cash dividends to net income (ytd only)* | 55.1833% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,965 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 2,619 |
| Noncurrent loans to loans | 0.4671% | 2,742 |
| Net loans and leases to total assets | 76.7379% | 1,032 |
| Net loans and leases to deposits | 85.1118% | 1,873 |
| Net loans and leases to core deposits | 102.6357% | 1,085 |
| Total domestic deposits to total assets | 90.1612% | 359 |
| Equity capital to assets | 9.2007% | 3,924 |
| Core capital (leverage) ratio | 10.0135% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,880,667 | 2,120 |
| Average earning assets | $307,154,333 | 2,092 |
| Average equity | $33,133,000 | 2,314 |
| Average total loans | $265,872,667 | 1,812 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 652 |
| Cost of funding earning assets | 1.1171% | 1,000 |
| Net interest margin | 4.0892% | 1,156 |
| Noninterest income to average assets | 0.5996% | 2,048 |
| Noninterest expense to average assets | 2.7326% | 2,626 |
| Loan and lease loss provision to assets | 0.0066% | 3,672 |
| Net operating income to assets | 1.6892% | 524 |
| Return on assets (ROA) | 1.6892% | 577 |
| Pretax return on assets | 1.6892% | 869 |
| Return on Equity (ROE) | 15.6319% | 470 |
| Retained earnings to average equity (ytd only) | -1.4789% | 4,198 |
| Net charge-offs to loans | -0.0016% | 3,630 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7059% | 3,530 |
| Assets per employee ($millions) | 5.6672% | 1,958 |
| Cash dividends to net income (ytd only)* | 109.4605% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 84.1312% | 255 |
| Net loans and leases to deposits | 96.0766% | 903 |
| Net loans and leases to core deposits | 111.7101% | 771 |
| Total domestic deposits to total assets | 87.5668% | 1,293 |
| Equity capital to assets | 10.6820% | 3,160 |
| Core capital (leverage) ratio | 10.4566% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5492% | 2,911 |
| Memoranda: | ||
| Average total assets | $302,862,500 | 2,195 |
| Average earning assets | $283,579,500 | 2,177 |
| Average equity | $32,728,000 | 2,316 |
| Average total loans | $255,383,500 | 1,825 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,406 |
| Cost of funding earning assets | 1.2856% | 794 |
| Net interest margin | 3.7420% | 2,687 |
| Noninterest income to average assets | 0.6119% | 2,168 |
| Noninterest expense to average assets | 2.7034% | 2,872 |
| Loan and lease loss provision to assets | 0.1404% | 1,519 |
| Net operating income to assets | 1.2895% | 1,731 |
| Return on assets (ROA) | 1.2895% | 1,810 |
| Pretax return on assets | 1.2895% | 2,540 |
| Return on Equity (ROE) | 12.9169% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.2384% | 1,285 |
| Net charge-offs to loans | 0.0326% | 2,735 |
| Credit loss provision to net charge-offs | 513.4146% | 570 |
| Earnings coverage of net charge-offs (x) | 52.2927% | 1,093 |
| Efficiency ratio | 65.4054% | 2,853 |
| Assets per employee ($millions) | 5.6547% | 1,922 |
| Cash dividends to net income (ytd only)* | 43.9617% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,594 |
| Loan loss allowance to noncurrent loans | 1,051.2195% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 4,083 |
| Noncurrent loans to loans | 0.1313% | 3,994 |
| Net loans and leases to total assets | 82.2167% | 534 |
| Net loans and leases to deposits | 92.7970% | 1,277 |
| Net loans and leases to core deposits | 108.6688% | 931 |
| Total domestic deposits to total assets | 88.5985% | 841 |
| Equity capital to assets | 10.9330% | 3,070 |
| Core capital (leverage) ratio | 10.4385% | 3,021 |
| Tier 1 risk-based capital ratio | 12.0762% | 4,319 |
| Total risk-based capital ratio | 13.3269% | 4,199 |
| Memoranda: | ||
| Average total assets | $299,878,200 | 2,163 |
| Average earning assets | $282,203,400 | 2,129 |
| Average equity | $29,937,600 | 2,398 |
| Average total loans | $251,909,800 | 1,816 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 1,619 |
| Cost of funding earning assets | 1.3003% | 782 |
| Net interest margin | 3.6702% | 3,025 |
| Noninterest income to average assets | 0.6041% | 2,185 |
| Noninterest expense to average assets | 2.6215% | 3,100 |
| Loan and lease loss provision to assets | 0.1405% | 1,375 |
| Net operating income to assets | 1.2941% | 1,883 |
| Return on assets (ROA) | 1.2941% | 1,971 |
| Pretax return on assets | 1.2941% | 2,689 |
| Return on Equity (ROE) | 13.2780% | 1,184 |
| Retained earnings to average equity (ytd only) | 5.5238% | 2,618 |
| Net charge-offs to loans | -0.0148% | 4,498 |
| Credit loss provision to net charge-offs | -1,128.5714% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6317% | 2,922 |
| Assets per employee ($millions) | 5.8086% | 1,754 |
| Cash dividends to net income (ytd only)* | 58.3991% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 1,735 |
| Loan loss allowance to noncurrent loans | 781.2217% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 4,040 |
| Noncurrent loans to loans | 0.1736% | 3,920 |
| Net loans and leases to total assets | 78.5961% | 1,048 |
| Net loans and leases to deposits | 87.7013% | 1,975 |
| Net loans and leases to core deposits | 104.8168% | 1,276 |
| Total domestic deposits to total assets | 89.6180% | 409 |
| Equity capital to assets | 9.9557% | 4,063 |
| Core capital (leverage) ratio | 10.2358% | 3,380 |
| Tier 1 risk-based capital ratio | 11.2070% | 4,821 |
| Total risk-based capital ratio | 12.4569% | 4,707 |
| Memoranda: | ||
| Average total assets | $299,923,500 | 2,183 |
| Average earning assets | $282,081,250 | 2,152 |
| Average equity | $29,230,500 | 2,449 |
| Average total loans | $252,425,000 | 1,827 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 1,576 |
| Cost of funding earning assets | 1.2968% | 744 |
| Net interest margin | 3.6691% | 3,034 |
| Noninterest income to average assets | 0.5549% | 2,364 |
| Noninterest expense to average assets | 2.6182% | 3,155 |
| Loan and lease loss provision to assets | 0.1438% | 1,289 |
| Net operating income to assets | 1.2413% | 2,002 |
| Return on assets (ROA) | 1.2413% | 2,052 |
| Pretax return on assets | 1.2413% | 2,783 |
| Return on Equity (ROE) | 12.8366% | 1,292 |
| Retained earnings to average equity (ytd only) | 0.8530% | 4,475 |
| Net charge-offs to loans | -0.0294% | 4,673 |
| Credit loss provision to net charge-offs | -570.2703% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4010% | 2,904 |
| Assets per employee ($millions) | 5.8087% | 1,690 |
| Cash dividends to net income (ytd only)* | 93.3553% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,972 |
| Loan loss allowance to noncurrent loans | 981.5789% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,192 |
| Noncurrent loans to loans | 0.1335% | 4,077 |
| Net loans and leases to total assets | 83.6930% | 385 |
| Net loans and leases to deposits | 92.8643% | 1,391 |
| Net loans and leases to core deposits | 113.7689% | 786 |
| Total domestic deposits to total assets | 90.1240% | 303 |
| Equity capital to assets | 9.5033% | 4,397 |
| Core capital (leverage) ratio | 9.8316% | 3,787 |
| Tier 1 risk-based capital ratio | 10.2329% | 5,191 |
| Total risk-based capital ratio | 11.4704% | 5,117 |
| Memoranda: | ||
| Average total assets | $293,406,330 | 2,216 |
| Average earning assets | $275,760,330 | 2,184 |
| Average equity | $28,372,000 | 2,493 |
| Average total loans | $251,717,330 | 1,835 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 1,583 |
| Cost of funding earning assets | 1.2388% | 797 |
| Net interest margin | 3.6634% | 3,033 |
| Noninterest income to average assets | 0.5106% | 2,489 |
| Noninterest expense to average assets | 2.5363% | 3,401 |
| Loan and lease loss provision to assets | 0.1467% | 1,153 |
| Net operating income to assets | 1.2688% | 1,820 |
| Return on assets (ROA) | 1.2688% | 1,869 |
| Pretax return on assets | 1.2688% | 2,574 |
| Return on Equity (ROE) | 13.0046% | 1,214 |
| Retained earnings to average equity (ytd only) | -11.1042% | 5,139 |
| Net charge-offs to loans | -0.0048% | 4,014 |
| Credit loss provision to net charge-offs | -3,533.3333% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1807% | 3,207 |
| Assets per employee ($millions) | 5.3700% | 2,103 |
| Cash dividends to net income (ytd only)* | 185.3871% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,215 |
| Loan loss allowance to noncurrent loans | 919.4286% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,200 |
| Noncurrent loans to loans | 0.1385% | 4,116 |
| Net loans and leases to total assets | 86.0432% | 185 |
| Net loans and leases to deposits | 95.5442% | 1,012 |
| Net loans and leases to core deposits | 114.4396% | 716 |
| Total domestic deposits to total assets | 90.0559% | 426 |
| Equity capital to assets | 9.6010% | 4,164 |
| Core capital (leverage) ratio | 9.7435% | 3,875 |
| Tier 1 risk-based capital ratio | 10.3307% | 5,216 |
| Total risk-based capital ratio | 11.5689% | 5,152 |
| Memoranda: | ||
| Average total assets | $289,082,500 | 2,255 |
| Average earning assets | $271,552,000 | 2,229 |
| Average equity | $28,205,500 | 2,509 |
| Average total loans | $249,498,500 | 1,859 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 1,211 |
| Cost of funding earning assets | 1.0539% | 596 |
| Net interest margin | 3.8727% | 2,419 |
| Noninterest income to average assets | 0.6454% | 2,061 |
| Noninterest expense to average assets | 2.7776% | 2,762 |
| Loan and lease loss provision to assets | 0.1862% | 1,036 |
| Net operating income to assets | 1.3009% | 1,796 |
| Return on assets (ROA) | 1.3009% | 1,783 |
| Pretax return on assets | 1.3009% | 2,493 |
| Return on Equity (ROE) | 12.8712% | 1,389 |
| Retained earnings to average equity (ytd only) | 9.0568% | 845 |
| Net charge-offs to loans | 0.0944% | 1,817 |
| Credit loss provision to net charge-offs | 228.4404% | 1,289 |
| Earnings coverage of net charge-offs (x) | 18.2431% | 2,147 |
| Efficiency ratio | 65.1293% | 3,010 |
| Assets per employee ($millions) | 5.7637% | 1,705 |
| Cash dividends to net income (ytd only)* | 29.6350% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,238 |
| Loan loss allowance to noncurrent loans | 851.7808% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,187 |
| Noncurrent loans to loans | 0.1482% | 4,079 |
| Net loans and leases to total assets | 84.3770% | 381 |
| Net loans and leases to deposits | 94.0942% | 1,265 |
| Net loans and leases to core deposits | 111.6093% | 901 |
| Total domestic deposits to total assets | 89.6730% | 586 |
| Equity capital to assets | 9.9138% | 3,752 |
| Core capital (leverage) ratio | 10.2745% | 3,280 |
| Tier 1 risk-based capital ratio | 10.8149% | 5,061 |
| Total risk-based capital ratio | 12.0344% | 4,964 |
| Memoranda: | ||
| Average total assets | $267,422,400 | 2,353 |
| Average earning assets | $249,928,800 | 2,334 |
| Average equity | $27,029,400 | 2,512 |
| Average total loans | $230,924,800 | 1,941 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 1,118 |
| Cost of funding earning assets | 1.0255% | 533 |
| Net interest margin | 3.8943% | 2,327 |
| Noninterest income to average assets | 0.6457% | 2,094 |
| Noninterest expense to average assets | 2.7171% | 2,927 |
| Loan and lease loss provision to assets | 0.2532% | 618 |
| Net operating income to assets | 1.3092% | 1,818 |
| Return on assets (ROA) | 1.3092% | 1,824 |
| Pretax return on assets | 1.3092% | 2,585 |
| Return on Equity (ROE) | 12.8855% | 1,478 |
| Retained earnings to average equity (ytd only) | 7.7263% | 1,784 |
| Net charge-offs to loans | 0.1286% | 1,236 |
| Credit loss provision to net charge-offs | 227.3973% | 1,260 |
| Earnings coverage of net charge-offs (x) | 14.0321% | 2,311 |
| Efficiency ratio | 63.4906% | 3,270 |
| Assets per employee ($millions) | 5.1757% | 2,245 |
| Cash dividends to net income (ytd only)* | 40.0387% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,087 |
| Loan loss allowance to noncurrent loans | 851.5068% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,999 |
| Noncurrent loans to loans | 0.1529% | 4,196 |
| Net loans and leases to total assets | 84.2981% | 421 |
| Net loans and leases to deposits | 93.9267% | 1,385 |
| Net loans and leases to core deposits | 109.4067% | 1,071 |
| Total domestic deposits to total assets | 89.7488% | 587 |
| Equity capital to assets | 9.8934% | 3,741 |
| Core capital (leverage) ratio | 9.9889% | 3,650 |
| Tier 1 risk-based capital ratio | 10.6623% | 5,189 |
| Total risk-based capital ratio | 11.9034% | 5,102 |
| Memoranda: | ||
| Average total assets | $262,231,750 | 2,397 |
| Average earning assets | $244,696,000 | 2,392 |
| Average equity | $26,644,250 | 2,544 |
| Average total loans | $227,088,250 | 1,977 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 1,080 |
| Cost of funding earning assets | 0.9867% | 492 |
| Net interest margin | 3.8859% | 2,258 |
| Noninterest income to average assets | 0.6098% | 2,269 |
| Noninterest expense to average assets | 2.7332% | 2,894 |
| Loan and lease loss provision to assets | 0.1833% | 976 |
| Net operating income to assets | 1.3264% | 1,679 |
| Return on assets (ROA) | 1.3264% | 1,680 |
| Pretax return on assets | 1.3264% | 2,410 |
| Return on Equity (ROE) | 12.9311% | 1,396 |
| Retained earnings to average equity (ytd only) | 5.0934% | 3,022 |
| Net charge-offs to loans | 0.0851% | 1,484 |
| Credit loss provision to net charge-offs | 247.3684% | 1,151 |
| Earnings coverage of net charge-offs (x) | 20.3789% | 1,812 |
| Efficiency ratio | 64.4183% | 3,263 |
| Assets per employee ($millions) | 5.1892% | 2,203 |
| Cash dividends to net income (ytd only)* | 60.6114% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,219 |
| Loan loss allowance to noncurrent loans | 668.6937% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,165 |
| Noncurrent loans to loans | 0.1928% | 4,038 |
| Net loans and leases to total assets | 84.2439% | 432 |
| Net loans and leases to deposits | 93.8533% | 1,370 |
| Net loans and leases to core deposits | 109.4994% | 1,035 |
| Total domestic deposits to total assets | 89.7613% | 644 |
| Equity capital to assets | 9.9318% | 3,690 |
| Core capital (leverage) ratio | 10.2179% | 3,344 |
| Tier 1 risk-based capital ratio | 10.7741% | 5,160 |
| Total risk-based capital ratio | 12.0133% | 5,060 |
| Memoranda: | ||
| Average total assets | $256,479,670 | 2,454 |
| Average earning assets | $239,789,000 | 2,430 |
| Average equity | $26,308,670 | 2,568 |
| Average total loans | $223,214,000 | 2,003 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 972 |
| Cost of funding earning assets | 0.9263% | 528 |
| Net interest margin | 3.9263% | 1,944 |
| Noninterest income to average assets | 0.4676% | 3,012 |
| Noninterest expense to average assets | 2.7094% | 3,014 |
| Loan and lease loss provision to assets | 0.1201% | 1,572 |
| Net operating income to assets | 1.3098% | 1,612 |
| Return on assets (ROA) | 1.3098% | 1,618 |
| Pretax return on assets | 1.3098% | 2,328 |
| Return on Equity (ROE) | 12.5542% | 1,393 |
| Retained earnings to average equity (ytd only) | -3.2690% | 5,098 |
| Net charge-offs to loans | -0.0164% | 4,455 |
| Credit loss provision to net charge-offs | -833.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4545% | 3,256 |
| Assets per employee ($millions) | 5.4669% | 1,969 |
| Cash dividends to net income (ytd only)* | 126.0391% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,412 |
| Loan loss allowance to noncurrent loans | 1,787.1166% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,773 |
| Noncurrent loans to loans | 0.0709% | 4,662 |
| Net loans and leases to total assets | 88.3003% | 114 |
| Net loans and leases to deposits | 98.4817% | 828 |
| Net loans and leases to core deposits | 110.2481% | 992 |
| Total domestic deposits to total assets | 89.6616% | 806 |
| Equity capital to assets | 10.0924% | 3,509 |
| Core capital (leverage) ratio | 10.3338% | 3,142 |
| Tier 1 risk-based capital ratio | 10.5909% | 5,324 |
| Total risk-based capital ratio | 11.8277% | 5,230 |
| Memoranda: | ||
| Average total assets | $249,800,000 | 2,520 |
| Average earning assets | $233,605,500 | 2,506 |
| Average equity | $26,063,000 | 2,609 |
| Average total loans | $219,675,000 | 2,043 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,322 |
| Cost of funding earning assets | 0.7708% | 732 |
| Net interest margin | 3.8744% | 2,171 |
| Noninterest income to average assets | 0.5701% | 2,605 |
| Noninterest expense to average assets | 2.7942% | 2,795 |
| Loan and lease loss provision to assets | 0.1784% | 1,212 |
| Net operating income to assets | 1.2138% | 1,475 |
| Return on assets (ROA) | 1.2138% | 1,504 |
| Pretax return on assets | 1.2138% | 2,714 |
| Return on Equity (ROE) | 11.0611% | 1,456 |
| Retained earnings to average equity (ytd only) | 8.6522% | 573 |
| Net charge-offs to loans | -0.0052% | 4,646 |
| Credit loss provision to net charge-offs | -4,050.0000% | 5,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7438% | 3,127 |
| Assets per employee ($millions) | 5.1629% | 2,302 |
| Cash dividends to net income (ytd only)* | 21.7786% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,968 |
| Loan loss allowance to noncurrent loans | 731.0078% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,344 |
| Noncurrent loans to loans | 0.1847% | 4,179 |
| Net loans and leases to total assets | 85.1929% | 324 |
| Net loans and leases to deposits | 95.8302% | 1,104 |
| Net loans and leases to core deposits | 107.1281% | 1,203 |
| Total domestic deposits to total assets | 88.8998% | 1,047 |
| Equity capital to assets | 10.7948% | 2,845 |
| Core capital (leverage) ratio | 11.1890% | 2,166 |
| Tier 1 risk-based capital ratio | 11.6040% | 4,789 |
| Total risk-based capital ratio | 12.8543% | 4,675 |
| Memoranda: | ||
| Average total assets | $226,972,000 | 2,660 |
| Average earning assets | $211,853,800 | 2,644 |
| Average equity | $24,907,000 | 2,679 |
| Average total loans | $194,159,600 | 2,207 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,297 |
| Cost of funding earning assets | 0.7636% | 709 |
| Net interest margin | 3.8648% | 2,170 |
| Noninterest income to average assets | 0.5679% | 2,633 |
| Noninterest expense to average assets | 2.8196% | 2,662 |
| Loan and lease loss provision to assets | 0.1482% | 1,414 |
| Net operating income to assets | 1.2093% | 1,655 |
| Return on assets (ROA) | 1.2093% | 1,687 |
| Pretax return on assets | 1.2093% | 2,865 |
| Return on Equity (ROE) | 10.9711% | 1,713 |
| Retained earnings to average equity (ytd only) | 7.7172% | 1,338 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5014% | 2,964 |
| Assets per employee ($millions) | 5.1746% | 2,255 |
| Cash dividends to net income (ytd only)* | 29.6589% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,454.0984% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 4,848 |
| Noncurrent loans to loans | 0.0934% | 4,694 |
| Net loans and leases to total assets | 82.9810% | 547 |
| Net loans and leases to deposits | 93.6146% | 1,336 |
| Net loans and leases to core deposits | 104.0415% | 1,388 |
| Total domestic deposits to total assets | 88.6411% | 1,047 |
| Equity capital to assets | 10.9535% | 2,905 |
| Core capital (leverage) ratio | 11.1172% | 2,353 |
| Tier 1 risk-based capital ratio | 12.0145% | 4,605 |
| Total risk-based capital ratio | 13.2650% | 4,497 |
| Memoranda: | ||
| Average total assets | $223,051,500 | 2,722 |
| Average earning assets | $208,304,000 | 2,699 |
| Average equity | $24,585,250 | 2,724 |
| Average total loans | $190,311,250 | 2,251 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6342% | 1,190 |
| Cost of funding earning assets | 0.7616% | 650 |
| Net interest margin | 3.8726% | 2,024 |
| Noninterest income to average assets | 0.5569% | 2,672 |
| Noninterest expense to average assets | 2.8874% | 2,464 |
| Loan and lease loss provision to assets | 0.1501% | 1,349 |
| Net operating income to assets | 1.1284% | 1,859 |
| Return on assets (ROA) | 1.1284% | 1,913 |
| Pretax return on assets | 1.1284% | 3,057 |
| Return on Equity (ROE) | 10.2149% | 1,948 |
| Retained earnings to average equity (ytd only) | 5.2722% | 2,534 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3097% | 2,801 |
| Assets per employee ($millions) | 4.7513% | 2,719 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,267 |
| Loan loss allowance to noncurrent loans | 1,245.8937% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,817 |
| Noncurrent loans to loans | 0.1069% | 4,698 |
| Net loans and leases to total assets | 85.5810% | 304 |
| Net loans and leases to deposits | 96.6056% | 1,019 |
| Net loans and leases to core deposits | 106.4697% | 1,192 |
| Total domestic deposits to total assets | 88.5880% | 1,160 |
| Equity capital to assets | 11.0757% | 2,729 |
| Core capital (leverage) ratio | 11.1721% | 2,250 |
| Tier 1 risk-based capital ratio | 11.8305% | 4,741 |
| Total risk-based capital ratio | 13.0808% | 4,630 |
| Memoranda: | ||
| Average total assets | $219,782,670 | 2,769 |
| Average earning assets | $204,825,670 | 2,758 |
| Average equity | $24,278,330 | 2,750 |
| Average total loans | $188,452,000 | 2,272 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 1,271 |
| Cost of funding earning assets | 0.7501% | 649 |
| Net interest margin | 3.7940% | 2,134 |
| Noninterest income to average assets | 0.5669% | 2,569 |
| Noninterest expense to average assets | 2.8878% | 2,496 |
| Loan and lease loss provision to assets | 0.1504% | 1,228 |
| Net operating income to assets | 1.0641% | 2,013 |
| Return on assets (ROA) | 1.0641% | 2,052 |
| Pretax return on assets | 1.0641% | 3,117 |
| Return on Equity (ROE) | 9.6462% | 2,122 |
| Retained earnings to average equity (ytd only) | -0.3326% | 4,969 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3936% | 2,832 |
| Assets per employee ($millions) | 4.9446% | 2,514 |
| Cash dividends to net income (ytd only)* | 103.4483% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,480 |
| Loan loss allowance to noncurrent loans | 1,080.5195% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,854 |
| Noncurrent loans to loans | 0.1214% | 4,704 |
| Net loans and leases to total assets | 84.4063% | 328 |
| Net loans and leases to deposits | 94.9274% | 1,025 |
| Net loans and leases to core deposits | 104.5020% | 1,196 |
| Total domestic deposits to total assets | 88.9168% | 1,187 |
| Equity capital to assets | 10.8113% | 2,847 |
| Core capital (leverage) ratio | 11.0215% | 2,343 |
| Tier 1 risk-based capital ratio | 11.8201% | 4,838 |
| Total risk-based capital ratio | 13.0702% | 4,742 |
| Memoranda: | ||
| Average total assets | $218,019,500 | 2,807 |
| Average earning assets | $203,162,000 | 2,799 |
| Average equity | $24,051,000 | 2,785 |
| Average total loans | $185,833,500 | 2,307 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 1,595 |
| Cost of funding earning assets | 0.7684% | 584 |
| Net interest margin | 3.7126% | 2,636 |
| Noninterest income to average assets | 0.6777% | 2,277 |
| Noninterest expense to average assets | 2.9329% | 2,553 |
| Loan and lease loss provision to assets | 0.1624% | 1,521 |
| Net operating income to assets | 1.0400% | 2,189 |
| Return on assets (ROA) | 1.0400% | 2,284 |
| Pretax return on assets | 1.0400% | 3,329 |
| Return on Equity (ROE) | 9.1358% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.5416% | 1,439 |
| Net charge-offs to loans | 0.0089% | 3,965 |
| Credit loss provision to net charge-offs | 2,200.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 162.8667% | 399 |
| Efficiency ratio | 70.9236% | 2,761 |
| Assets per employee ($millions) | 4.6420% | 2,893 |
| Cash dividends to net income (ytd only)* | 28.3956% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,377 |
| Loan loss allowance to noncurrent loans | 950.3937% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,835 |
| Noncurrent loans to loans | 0.1401% | 4,667 |
| Net loans and leases to total assets | 83.8034% | 401 |
| Net loans and leases to deposits | 94.8295% | 1,110 |
| Net loans and leases to core deposits | 104.8178% | 1,221 |
| Total domestic deposits to total assets | 88.3727% | 1,455 |
| Equity capital to assets | 11.2611% | 2,362 |
| Core capital (leverage) ratio | 11.1120% | 2,247 |
| Tier 1 risk-based capital ratio | 12.9147% | 4,122 |
| Total risk-based capital ratio | 14.1657% | 4,021 |
| Memoranda: | ||
| Average total assets | $203,177,800 | 2,921 |
| Average earning assets | $189,219,000 | 2,901 |
| Average equity | $23,128,800 | 2,880 |
| Average total loans | $168,388,400 | 2,428 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 1,657 |
| Cost of funding earning assets | 0.7691% | 577 |
| Net interest margin | 3.6936% | 2,741 |
| Noninterest income to average assets | 0.6574% | 2,376 |
| Noninterest expense to average assets | 2.9113% | 2,612 |
| Loan and lease loss provision to assets | 0.1648% | 1,384 |
| Net operating income to assets | 1.0190% | 2,339 |
| Return on assets (ROA) | 1.0190% | 2,472 |
| Pretax return on assets | 1.0190% | 3,559 |
| Return on Equity (ROE) | 8.9257% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.4323% | 2,527 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0924% | 2,725 |
| Assets per employee ($millions) | 4.8919% | 2,506 |
| Cash dividends to net income (ytd only)* | 39.1389% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,469 |
| Loan loss allowance to noncurrent loans | 847.2924% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 4,913 |
| Noncurrent loans to loans | 0.1586% | 4,718 |
| Net loans and leases to total assets | 80.0518% | 889 |
| Net loans and leases to deposits | 90.3132% | 1,712 |
| Net loans and leases to core deposits | 100.0354% | 1,629 |
| Total domestic deposits to total assets | 88.6379% | 1,079 |
| Equity capital to assets | 10.9667% | 3,045 |
| Core capital (leverage) ratio | 11.0420% | 2,405 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,151 |
| Total risk-based capital ratio | 14.2638% | 4,068 |
| Memoranda: | ||
| Average total assets | $200,589,250 | 2,960 |
| Average earning assets | $186,698,750 | 2,946 |
| Average equity | $22,899,500 | 2,928 |
| Average total loans | $165,145,250 | 2,468 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 1,598 |
| Cost of funding earning assets | 0.7677% | 577 |
| Net interest margin | 3.7044% | 2,680 |
| Noninterest income to average assets | 0.6234% | 2,493 |
| Noninterest expense to average assets | 2.9330% | 2,575 |
| Loan and lease loss provision to assets | 0.1686% | 1,321 |
| Net operating income to assets | 0.9637% | 2,556 |
| Return on assets (ROA) | 0.9637% | 2,700 |
| Pretax return on assets | 0.9637% | 3,729 |
| Return on Equity (ROE) | 8.3214% | 2,824 |
| Retained earnings to average equity (ytd only) | 3.0268% | 3,989 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1468% | 2,625 |
| Assets per employee ($millions) | 5.0063% | 2,289 |
| Cash dividends to net income (ytd only)* | 63.6267% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,540 |
| Loan loss allowance to noncurrent loans | 700.9288% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 4,881 |
| Noncurrent loans to loans | 0.1924% | 4,666 |
| Net loans and leases to total assets | 80.6962% | 794 |
| Net loans and leases to deposits | 91.2410% | 1,601 |
| Net loans and leases to core deposits | 101.8822% | 1,477 |
| Total domestic deposits to total assets | 88.4430% | 1,202 |
| Equity capital to assets | 11.2087% | 2,838 |
| Core capital (leverage) ratio | 11.3087% | 2,143 |
| Tier 1 risk-based capital ratio | 12.0138% | 4,819 |
| Total risk-based capital ratio | 13.2636% | 4,732 |
| Memoranda: | ||
| Average total assets | $195,705,000 | 3,034 |
| Average earning assets | $181,839,330 | 3,023 |
| Average equity | $22,664,330 | 2,956 |
| Average total loans | $161,976,330 | 2,509 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 1,729 |
| Cost of funding earning assets | 0.7408% | 665 |
| Net interest margin | 3.6839% | 2,741 |
| Noninterest income to average assets | 0.4881% | 3,208 |
| Noninterest expense to average assets | 2.9833% | 2,445 |
| Loan and lease loss provision to assets | 0.1739% | 1,177 |
| Net operating income to assets | 0.7479% | 3,492 |
| Return on assets (ROA) | 0.7479% | 3,598 |
| Pretax return on assets | 0.7479% | 4,371 |
| Return on Equity (ROE) | 6.3486% | 3,803 |
| Retained earnings to average equity (ytd only) | -4.3213% | 5,567 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3948% | 2,124 |
| Assets per employee ($millions) | 4.8189% | 2,552 |
| Cash dividends to net income (ytd only)* | 168.0672% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 2,719 |
| Loan loss allowance to noncurrent loans | 671.3846% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,913 |
| Noncurrent loans to loans | 0.1992% | 4,702 |
| Net loans and leases to total assets | 81.4607% | 635 |
| Net loans and leases to deposits | 92.2316% | 1,316 |
| Net loans and leases to core deposits | 100.7790% | 1,420 |
| Total domestic deposits to total assets | 88.3219% | 1,455 |
| Equity capital to assets | 11.3339% | 2,588 |
| Core capital (leverage) ratio | 11.6425% | 1,870 |
| Tier 1 risk-based capital ratio | 11.8670% | 4,997 |
| Total risk-based capital ratio | 13.0930% | 4,925 |
| Memoranda: | ||
| Average total assets | $190,927,500 | 3,083 |
| Average earning assets | $177,094,500 | 3,084 |
| Average equity | $22,493,000 | 2,972 |
| Average total loans | $159,014,000 | 2,540 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,454 |
| Cost of funding earning assets | 0.6906% | 864 |
| Net interest margin | 3.8604% | 2,164 |
| Noninterest income to average assets | 0.6697% | 2,346 |
| Noninterest expense to average assets | 3.1502% | 2,088 |
| Loan and lease loss provision to assets | 0.1645% | 1,399 |
| Net operating income to assets | 0.9122% | 2,802 |
| Return on assets (ROA) | 0.9122% | 2,882 |
| Pretax return on assets | 0.9122% | 3,787 |
| Return on Equity (ROE) | 7.2629% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.8398% | 1,873 |
| Net charge-offs to loans | 0.0015% | 4,427 |
| Credit loss provision to net charge-offs | 13,800.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 903.5000% | 63 |
| Efficiency ratio | 74.5278% | 2,499 |
| Assets per employee ($millions) | 4.7251% | 2,699 |
| Cash dividends to net income (ytd only)* | 19.5950% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,645 |
| Loan loss allowance to noncurrent loans | 603.1609% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,850 |
| Noncurrent loans to loans | 0.2247% | 4,625 |
| Net loans and leases to total assets | 82.9178% | 493 |
| Net loans and leases to deposits | 95.4273% | 1,075 |
| Net loans and leases to core deposits | 103.2376% | 1,283 |
| Total domestic deposits to total assets | 86.8911% | 2,196 |
| Equity capital to assets | 12.2601% | 1,770 |
| Core capital (leverage) ratio | 12.5981% | 1,308 |
| Tier 1 risk-based capital ratio | 12.4036% | 4,699 |
| Total risk-based capital ratio | 13.6252% | 4,604 |
| Memoranda: | ||
| Average total assets | $167,832,000 | 3,336 |
| Average earning assets | $154,646,000 | 3,333 |
| Average equity | $21,079,600 | 3,064 |
| Average total loans | $136,881,000 | 2,767 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,486 |
| Cost of funding earning assets | 0.6941% | 864 |
| Net interest margin | 3.8456% | 2,213 |
| Noninterest income to average assets | 0.6816% | 2,320 |
| Noninterest expense to average assets | 3.1459% | 2,097 |
| Loan and lease loss provision to assets | 0.1686% | 1,249 |
| Net operating income to assets | 0.9137% | 2,898 |
| Return on assets (ROA) | 0.9137% | 2,984 |
| Pretax return on assets | 0.9137% | 3,940 |
| Return on Equity (ROE) | 7.2264% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.2942% | 2,725 |
| Net charge-offs to loans | 0.0020% | 4,113 |
| Credit loss provision to net charge-offs | 10,350.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 663.6554% | 113 |
| Efficiency ratio | 74.4029% | 2,485 |
| Assets per employee ($millions) | 4.1803% | 3,563 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 2,419 |
| Loan loss allowance to noncurrent loans | 545.6989% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,895 |
| Noncurrent loans to loans | 0.2635% | 4,635 |
| Net loans and leases to total assets | 81.1858% | 679 |
| Net loans and leases to deposits | 94.9290% | 1,100 |
| Net loans and leases to core deposits | 103.8822% | 1,241 |
| Total domestic deposits to total assets | 85.5227% | 2,770 |
| Equity capital to assets | 12.9691% | 1,463 |
| Core capital (leverage) ratio | 12.8495% | 1,254 |
| Tier 1 risk-based capital ratio | 13.2292% | 4,301 |
| Total risk-based capital ratio | 14.4796% | 4,221 |
| Memoranda: | ||
| Average total assets | $163,720,000 | 3,419 |
| Average earning assets | $150,992,500 | 3,413 |
| Average equity | $20,701,250 | 3,127 |
| Average total loans | $132,376,250 | 2,864 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,540 |
| Cost of funding earning assets | 0.7008% | 841 |
| Net interest margin | 3.7987% | 2,317 |
| Noninterest income to average assets | 0.6900% | 2,255 |
| Noninterest expense to average assets | 3.2315% | 1,892 |
| Loan and lease loss provision to assets | 0.1713% | 1,221 |
| Net operating income to assets | 0.7917% | 3,428 |
| Return on assets (ROA) | 0.7917% | 3,524 |
| Pretax return on assets | 0.7917% | 4,342 |
| Return on Equity (ROE) | 6.3192% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.3478% | 3,915 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0414% | 2,196 |
| Assets per employee ($millions) | 4.0646% | 3,757 |
| Cash dividends to net income (ytd only)* | 47.0219% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 2,486 |
| Loan loss allowance to noncurrent loans | 495.7071% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 4,930 |
| Noncurrent loans to loans | 0.2934% | 4,631 |
| Net loans and leases to total assets | 79.8026% | 827 |
| Net loans and leases to deposits | 94.7688% | 1,072 |
| Net loans and leases to core deposits | 103.1458% | 1,255 |
| Total domestic deposits to total assets | 84.2076% | 3,485 |
| Equity capital to assets | 13.0273% | 1,392 |
| Core capital (leverage) ratio | 13.2625% | 1,066 |
| Tier 1 risk-based capital ratio | 13.5029% | 4,223 |
| Total risk-based capital ratio | 14.7533% | 4,153 |
| Memoranda: | ||
| Average total assets | $161,162,670 | 3,472 |
| Average earning assets | $148,682,670 | 3,474 |
| Average equity | $20,192,330 | 3,200 |
| Average total loans | $129,443,000 | 2,924 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 1,663 |
| Cost of funding earning assets | 0.7199% | 771 |
| Net interest margin | 3.7080% | 2,594 |
| Noninterest income to average assets | 0.5959% | 2,671 |
| Noninterest expense to average assets | 3.0703% | 2,364 |
| Loan and lease loss provision to assets | 0.1742% | 1,125 |
| Net operating income to assets | 0.7979% | 3,272 |
| Return on assets (ROA) | 0.7979% | 3,397 |
| Pretax return on assets | 0.7979% | 4,250 |
| Return on Equity (ROE) | 6.5042% | 3,762 |
| Retained earnings to average equity (ytd only) | 0.3293% | 5,266 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9525% | 2,523 |
| Assets per employee ($millions) | 3.9940% | 3,971 |
| Cash dividends to net income (ytd only)* | 94.9367% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 2,454 |
| Loan loss allowance to noncurrent loans | 450.9524% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,891 |
| Noncurrent loans to loans | 0.3320% | 4,603 |
| Net loans and leases to total assets | 77.9926% | 932 |
| Net loans and leases to deposits | 89.1982% | 1,481 |
| Net loans and leases to core deposits | 97.5114% | 1,520 |
| Total domestic deposits to total assets | 87.4374% | 2,149 |
| Equity capital to assets | 12.1808% | 1,907 |
| Core capital (leverage) ratio | 12.0908% | 1,580 |
| Tier 1 risk-based capital ratio | 13.0648% | 4,564 |
| Total risk-based capital ratio | 14.3161% | 4,486 |
| Memoranda: | ||
| Average total assets | $158,419,000 | 3,531 |
| Average earning assets | $147,248,000 | 3,514 |
| Average equity | $19,433,500 | 3,297 |
| Average total loans | $126,687,500 | 2,968 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,223 |
| Cost of funding earning assets | 0.6840% | 1,184 |
| Net interest margin | 3.7152% | 2,954 |
| Noninterest income to average assets | 0.4957% | 3,546 |
| Noninterest expense to average assets | 3.1145% | 2,472 |
| Loan and lease loss provision to assets | 0.1347% | 1,944 |
| Net operating income to assets | 0.7072% | 3,851 |
| Return on assets (ROA) | 0.7072% | 3,971 |
| Pretax return on assets | 0.7072% | 4,596 |
| Return on Equity (ROE) | 5.5606% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.9127% | 4,169 |
| Net charge-offs to loans | -0.0053% | 5,468 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7198% | 2,101 |
| Assets per employee ($millions) | 4.2454% | 3,458 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 2,754 |
| Loan loss allowance to noncurrent loans | 367.9435% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 4,781 |
| Noncurrent loans to loans | 0.3909% | 4,472 |
| Net loans and leases to total assets | 79.6133% | 797 |
| Net loans and leases to deposits | 91.1878% | 1,383 |
| Net loans and leases to core deposits | 99.9992% | 1,394 |
| Total domestic deposits to total assets | 87.3069% | 2,125 |
| Equity capital to assets | 12.3550% | 1,729 |
| Core capital (leverage) ratio | 12.4652% | 1,372 |
| Tier 1 risk-based capital ratio | 13.6649% | 4,316 |
| Total risk-based capital ratio | 14.9164% | 4,252 |
| Memoranda: | ||
| Average total assets | $148,466,000 | 3,656 |
| Average earning assets | $138,298,200 | 3,624 |
| Average equity | $18,882,800 | 3,301 |
| Average total loans | $113,141,400 | 3,153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,460 |
| Cost of funding earning assets | 0.6670% | 1,340 |
| Net interest margin | 3.6716% | 3,142 |
| Noninterest income to average assets | 0.4684% | 3,744 |
| Noninterest expense to average assets | 3.1029% | 2,462 |
| Loan and lease loss provision to assets | 0.1094% | 2,219 |
| Net operating income to assets | 0.6771% | 4,064 |
| Return on assets (ROA) | 0.6771% | 4,153 |
| Pretax return on assets | 0.6771% | 4,779 |
| Return on Equity (ROE) | 5.2829% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.7278% | 5,184 |
| Net charge-offs to loans | -0.0073% | 5,363 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7798% | 1,948 |
| Assets per employee ($millions) | 4.0297% | 3,816 |
| Cash dividends to net income (ytd only)* | 67.2949% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 2,892 |
| Loan loss allowance to noncurrent loans | 264.7951% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 4,623 |
| Noncurrent loans to loans | 0.5525% | 4,265 |
| Net loans and leases to total assets | 76.7575% | 1,132 |
| Net loans and leases to deposits | 88.1147% | 1,653 |
| Net loans and leases to core deposits | 96.4889% | 1,637 |
| Total domestic deposits to total assets | 87.1109% | 2,255 |
| Equity capital to assets | 12.4444% | 1,742 |
| Core capital (leverage) ratio | 12.7727% | 1,274 |
| Tier 1 risk-based capital ratio | 14.1343% | 4,116 |
| Total risk-based capital ratio | 15.3855% | 4,055 |
| Memoranda: | ||
| Average total assets | $146,313,000 | 3,723 |
| Average earning assets | $136,320,500 | 3,684 |
| Average equity | $18,751,750 | 3,335 |
| Average total loans | $109,706,750 | 3,247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,537 |
| Cost of funding earning assets | 0.6550% | 1,471 |
| Net interest margin | 3.6588% | 3,111 |
| Noninterest income to average assets | 0.4110% | 4,165 |
| Noninterest expense to average assets | 3.0825% | 2,560 |
| Loan and lease loss provision to assets | 0.0417% | 3,488 |
| Net operating income to assets | 0.6998% | 3,841 |
| Return on assets (ROA) | 0.6998% | 3,928 |
| Pretax return on assets | 0.6998% | 4,639 |
| Return on Equity (ROE) | 5.4047% | 4,479 |
| Retained earnings to average equity (ytd only) | 0.0429% | 5,662 |
| Net charge-offs to loans | 0.0056% | 4,186 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 354 |
| Efficiency ratio | 80.6100% | 1,931 |
| Assets per employee ($millions) | 4.5253% | 2,884 |
| Cash dividends to net income (ytd only)* | 99.2063% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 3,002 |
| Loan loss allowance to noncurrent loans | 335.9184% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 5,029 |
| Noncurrent loans to loans | 0.4396% | 4,668 |
| Net loans and leases to total assets | 75.8278% | 1,195 |
| Net loans and leases to deposits | 87.5598% | 1,645 |
| Net loans and leases to core deposits | 96.0120% | 1,598 |
| Total domestic deposits to total assets | 86.6012% | 2,698 |
| Equity capital to assets | 13.0073% | 1,368 |
| Core capital (leverage) ratio | 12.9599% | 1,168 |
| Tier 1 risk-based capital ratio | 14.8350% | 3,726 |
| Total risk-based capital ratio | 16.0869% | 3,666 |
| Memoranda: | ||
| Average total assets | $144,041,000 | 3,780 |
| Average earning assets | $134,361,000 | 3,737 |
| Average equity | $18,650,330 | 3,334 |
| Average total loans | $106,514,670 | 3,322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,896 |
| Cost of funding earning assets | 0.6470% | 1,604 |
| Net interest margin | 3.5483% | 3,492 |
| Noninterest income to average assets | 0.3731% | 4,402 |
| Noninterest expense to average assets | 3.1325% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5541% | 4,441 |
| Return on assets (ROA) | 0.5541% | 4,513 |
| Pretax return on assets | 0.5541% | 4,996 |
| Return on Equity (ROE) | 4.2894% | 4,888 |
| Retained earnings to average equity (ytd only) | -6.4879% | 6,207 |
| Net charge-offs to loans | 0.0115% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 609 |
| Efficiency ratio | 84.9698% | 1,549 |
| Assets per employee ($millions) | 5.3420% | 1,870 |
| Cash dividends to net income (ytd only)* | 251.2563% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 2,892 |
| Loan loss allowance to noncurrent loans | 315.0097% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 5,096 |
| Noncurrent loans to loans | 0.4941% | 4,677 |
| Net loans and leases to total assets | 70.8638% | 1,746 |
| Net loans and leases to deposits | 81.5597% | 2,092 |
| Net loans and leases to core deposits | 89.1931% | 1,984 |
| Total domestic deposits to total assets | 86.8858% | 2,884 |
| Equity capital to assets | 12.7793% | 1,411 |
| Core capital (leverage) ratio | 12.7609% | 1,267 |
| Tier 1 risk-based capital ratio | 15.7526% | 3,298 |
| Total risk-based capital ratio | 17.0052% | 3,264 |
| Memoranda: | ||
| Average total assets | $143,656,000 | 3,813 |
| Average earning assets | $134,147,500 | 3,764 |
| Average equity | $18,557,500 | 3,345 |
| Average total loans | $104,045,500 | 3,390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 1,267 |
| Cost of funding earning assets | 0.6934% | 1,869 |
| Net interest margin | 4.1310% | 1,566 |
| Noninterest income to average assets | 0.6490% | 2,815 |
| Noninterest expense to average assets | 2.9353% | 3,254 |
| Loan and lease loss provision to assets | 0.1813% | 2,031 |
| Net operating income to assets | 1.2867% | 1,281 |
| Return on assets (ROA) | 1.2867% | 1,335 |
| Pretax return on assets | 1.2867% | 2,210 |
| Return on Equity (ROE) | 9.4436% | 2,349 |
| Retained earnings to average equity (ytd only) | 6.9371% | 1,458 |
| Net charge-offs to loans | 0.0413% | 4,643 |
| Credit loss provision to net charge-offs | 571.4286% | 412 |
| Earnings coverage of net charge-offs (x) | 46.2619% | 845 |
| Efficiency ratio | 66.6609% | 4,439 |
| Assets per employee ($millions) | 4.9338% | 2,262 |
| Cash dividends to net income (ytd only)* | 26.5414% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 2,951 |
| Loan loss allowance to noncurrent loans | 300.9294% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 5,121 |
| Noncurrent loans to loans | 0.5160% | 4,701 |
| Net loans and leases to total assets | 71.7415% | 1,726 |
| Net loans and leases to deposits | 82.7999% | 2,093 |
| Net loans and leases to core deposits | 89.9623% | 2,031 |
| Total domestic deposits to total assets | 86.6444% | 2,914 |
| Equity capital to assets | 13.0578% | 1,251 |
| Core capital (leverage) ratio | 13.2461% | 1,038 |
| Tier 1 risk-based capital ratio | 15.9700% | 3,104 |
| Total risk-based capital ratio | 17.2228% | 3,065 |
| Memoranda: | ||
| Average total assets | $132,353,000 | 4,028 |
| Average earning assets | $120,285,000 | 4,040 |
| Average equity | $18,033,400 | 3,414 |
| Average total loans | $101,659,200 | 3,408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 1,080 |
| Cost of funding earning assets | 0.6971% | 1,973 |
| Net interest margin | 4.2260% | 1,263 |
| Noninterest income to average assets | 0.6591% | 2,833 |
| Noninterest expense to average assets | 2.8697% | 3,407 |
| Loan and lease loss provision to assets | 0.1542% | 2,339 |
| Net operating income to assets | 1.4498% | 983 |
| Return on assets (ROA) | 1.4498% | 1,038 |
| Pretax return on assets | 1.4498% | 1,769 |
| Return on Equity (ROE) | 10.5196% | 1,993 |
| Retained earnings to average equity (ytd only) | 7.1473% | 1,808 |
| Net charge-offs to loans | 0.0462% | 4,248 |
| Credit loss provision to net charge-offs | 428.5714% | 613 |
| Earnings coverage of net charge-offs (x) | 44.5672% | 934 |
| Efficiency ratio | 64.1462% | 4,778 |
| Assets per employee ($millions) | 4.9126% | 2,284 |
| Cash dividends to net income (ytd only)* | 32.0567% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 3,763 |
| Loan loss allowance to noncurrent loans | 495.1613% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 5,771 |
| Noncurrent loans to loans | 0.2891% | 5,506 |
| Net loans and leases to total assets | 76.8306% | 892 |
| Net loans and leases to deposits | 89.1658% | 1,248 |
| Net loans and leases to core deposits | 96.4445% | 1,353 |
| Total domestic deposits to total assets | 86.1660% | 3,148 |
| Equity capital to assets | 13.4080% | 1,160 |
| Core capital (leverage) ratio | 13.7098% | 949 |
| Tier 1 risk-based capital ratio | 15.4171% | 3,513 |
| Total risk-based capital ratio | 16.6683% | 3,465 |
| Memoranda: | ||
| Average total assets | $129,671,500 | 4,125 |
| Average earning assets | $117,049,250 | 4,149 |
| Average equity | $17,871,000 | 3,480 |
| Average total loans | $101,007,500 | 3,454 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 1,156 |
| Cost of funding earning assets | 0.6960% | 2,090 |
| Net interest margin | 4.1796% | 1,334 |
| Noninterest income to average assets | 0.6879% | 2,702 |
| Noninterest expense to average assets | 2.9265% | 3,253 |
| Loan and lease loss provision to assets | 0.1417% | 2,561 |
| Net operating income to assets | 1.4389% | 1,004 |
| Return on assets (ROA) | 1.4389% | 1,087 |
| Pretax return on assets | 1.4389% | 1,803 |
| Return on Equity (ROE) | 10.3392% | 2,070 |
| Retained earnings to average equity (ytd only) | 5.2261% | 2,910 |
| Net charge-offs to loans | -0.0142% | 5,860 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9319% | 4,717 |
| Assets per employee ($millions) | 5.4182% | 1,674 |
| Cash dividends to net income (ytd only)* | 49.4530% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 3,858 |
| Loan loss allowance to noncurrent loans | 427.3239% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 5,672 |
| Noncurrent loans to loans | 0.3363% | 5,454 |
| Net loans and leases to total assets | 80.0078% | 537 |
| Net loans and leases to deposits | 93.1923% | 864 |
| Net loans and leases to core deposits | 100.4645% | 1,045 |
| Total domestic deposits to total assets | 85.8524% | 3,446 |
| Equity capital to assets | 13.7562% | 1,030 |
| Core capital (leverage) ratio | 14.0039% | 822 |
| Tier 1 risk-based capital ratio | 15.1015% | 3,706 |
| Total risk-based capital ratio | 16.3191% | 3,702 |
| Memoranda: | ||
| Average total assets | $127,044,670 | 4,205 |
| Average earning assets | $116,086,670 | 4,200 |
| Average equity | $17,680,330 | 3,529 |
| Average total loans | $98,937,670 | 3,517 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 1,312 |
| Cost of funding earning assets | 0.7141% | 2,102 |
| Net interest margin | 4.0748% | 1,540 |
| Noninterest income to average assets | 0.7487% | 2,343 |
| Noninterest expense to average assets | 2.8260% | 3,609 |
| Loan and lease loss provision to assets | 0.1434% | 2,451 |
| Net operating income to assets | 1.4879% | 883 |
| Return on assets (ROA) | 1.4879% | 961 |
| Pretax return on assets | 1.4879% | 1,594 |
| Return on Equity (ROE) | 10.6278% | 1,828 |
| Retained earnings to average equity (ytd only) | 0.3414% | 5,676 |
| Net charge-offs to loans | -0.0293% | 5,886 |
| Credit loss provision to net charge-offs | -642.8571% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4024% | 5,094 |
| Assets per employee ($millions) | 5.0977% | 2,099 |
| Cash dividends to net income (ytd only)* | 96.7880% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 3,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 74.1320% | 1,057 |
| Net loans and leases to deposits | 86.3694% | 1,313 |
| Net loans and leases to core deposits | 91.8366% | 1,518 |
| Total domestic deposits to total assets | 85.8313% | 3,620 |
| Equity capital to assets | 13.7905% | 1,097 |
| Core capital (leverage) ratio | 13.9578% | 806 |
| Tier 1 risk-based capital ratio | 15.9849% | 3,281 |
| Total risk-based capital ratio | 17.2376% | 3,236 |
| Memoranda: | ||
| Average total assets | $125,549,000 | 4,271 |
| Average earning assets | $114,262,500 | 4,276 |
| Average equity | $17,576,500 | 3,582 |
| Average total loans | $95,628,500 | 3,619 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 920 |
| Cost of funding earning assets | 0.8345% | 2,397 |
| Net interest margin | 4.4709% | 999 |
| Noninterest income to average assets | 0.5944% | 3,313 |
| Noninterest expense to average assets | 3.2186% | 2,552 |
| Loan and lease loss provision to assets | 0.1783% | 3,397 |
| Net operating income to assets | 1.1827% | 1,654 |
| Return on assets (ROA) | 1.1827% | 1,815 |
| Pretax return on assets | 1.1827% | 2,855 |
| Return on Equity (ROE) | 8.0041% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.0041% | 1,122 |
| Net charge-offs to loans | 0.0067% | 5,862 |
| Credit loss provision to net charge-offs | 3,400.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 259.5000% | 151 |
| Efficiency ratio | 70.2806% | 3,757 |
| Assets per employee ($millions) | 5.1523% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 75.9290% | 921 |
| Net loans and leases to deposits | 89.0527% | 1,156 |
| Net loans and leases to core deposits | 95.4623% | 1,351 |
| Total domestic deposits to total assets | 85.2630% | 3,733 |
| Equity capital to assets | 14.2154% | 967 |
| Core capital (leverage) ratio | 14.7647% | 611 |
| Tier 1 risk-based capital ratio | 15.8452% | 3,243 |
| Total risk-based capital ratio | 17.0966% | 3,200 |
| Memoranda: | ||
| Average total assets | $114,396,000 | 4,483 |
| Average earning assets | $101,971,400 | 4,549 |
| Average equity | $16,903,800 | 3,645 |
| Average total loans | $89,758,200 | 3,753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 885 |
| Cost of funding earning assets | 0.8709% | 2,387 |
| Net interest margin | 4.5010% | 988 |
| Noninterest income to average assets | 0.5936% | 3,321 |
| Noninterest expense to average assets | 3.0882% | 2,920 |
| Loan and lease loss provision to assets | 0.1820% | 3,319 |
| Net operating income to assets | 1.3383% | 1,356 |
| Return on assets (ROA) | 1.3383% | 1,496 |
| Pretax return on assets | 1.3383% | 2,459 |
| Return on Equity (ROE) | 8.9629% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.9629% | 1,244 |
| Net charge-offs to loans | 0.0075% | 5,625 |
| Credit loss provision to net charge-offs | 3,060.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 255.4663% | 179 |
| Efficiency ratio | 67.0108% | 4,244 |
| Assets per employee ($millions) | 5.0870% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 76.1915% | 948 |
| Net loans and leases to deposits | 90.0490% | 1,142 |
| Net loans and leases to core deposits | 98.7909% | 1,206 |
| Total domestic deposits to total assets | 84.6111% | 3,926 |
| Equity capital to assets | 14.8632% | 855 |
| Core capital (leverage) ratio | 14.2101% | 770 |
| Tier 1 risk-based capital ratio | 16.4194% | 3,048 |
| Total risk-based capital ratio | 17.6717% | 3,010 |
| Memoranda: | ||
| Average total assets | $112,081,250 | 4,584 |
| Average earning assets | $99,975,250 | 4,643 |
| Average equity | $16,735,250 | 3,701 |
| Average total loans | $88,370,250 | 3,832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 892 |
| Cost of funding earning assets | 0.8896% | 2,485 |
| Net interest margin | 4.4964% | 1,001 |
| Noninterest income to average assets | 0.6393% | 3,011 |
| Noninterest expense to average assets | 3.0478% | 3,099 |
| Loan and lease loss provision to assets | 0.1847% | 3,256 |
| Net operating income to assets | 1.4433% | 1,102 |
| Return on assets (ROA) | 1.4433% | 1,239 |
| Pretax return on assets | 1.4433% | 2,040 |
| Return on Equity (ROE) | 9.6507% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.6507% | 1,073 |
| Net charge-offs to loans | 0.0114% | 5,293 |
| Credit loss provision to net charge-offs | 2,040.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 179.8000% | 255 |
| Efficiency ratio | 65.1820% | 4,689 |
| Assets per employee ($millions) | 5.0783% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.7757% | 639 |
| Net loans and leases to deposits | 92.6605% | 873 |
| Net loans and leases to core deposits | 101.3750% | 1,014 |
| Total domestic deposits to total assets | 85.0154% | 3,848 |
| Equity capital to assets | 14.5616% | 901 |
| Core capital (leverage) ratio | 15.1421% | 578 |
| Tier 1 risk-based capital ratio | 15.8626% | 3,234 |
| Total risk-based capital ratio | 17.1136% | 3,205 |
| Memoranda: | ||
| Average total assets | $110,441,670 | 4,655 |
| Average earning assets | $99,146,330 | 4,688 |
| Average equity | $16,517,000 | 3,725 |
| Average total loans | $87,655,670 | 3,864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 957 |
| Cost of funding earning assets | 0.8953% | 2,729 |
| Net interest margin | 4.4764% | 1,059 |
| Noninterest income to average assets | 0.5445% | 3,597 |
| Noninterest expense to average assets | 3.0654% | 3,037 |
| Loan and lease loss provision to assets | 0.1902% | 3,050 |
| Net operating income to assets | 1.3350% | 1,365 |
| Return on assets (ROA) | 1.3350% | 1,527 |
| Pretax return on assets | 1.3350% | 2,406 |
| Return on Equity (ROE) | 8.8007% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.8007% | 1,662 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7750% | 4,408 |
| Assets per employee ($millions) | 4.8684% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 4,318 |
| Loan loss allowance to noncurrent loans | 21,216.6667% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,932 |
| Noncurrent loans to loans | 0.0069% | 6,781 |
| Net loans and leases to total assets | 76.5086% | 748 |
| Net loans and leases to deposits | 90.1305% | 955 |
| Net loans and leases to core deposits | 98.4294% | 1,099 |
| Total domestic deposits to total assets | 84.8865% | 4,090 |
| Equity capital to assets | 14.7134% | 802 |
| Core capital (leverage) ratio | 15.3897% | 547 |
| Tier 1 risk-based capital ratio | 16.2282% | 3,057 |
| Total risk-based capital ratio | 17.4798% | 3,014 |
| Memoranda: | ||
| Average total assets | $107,262,500 | 4,766 |
| Average earning assets | $96,952,000 | 4,776 |
| Average equity | $16,271,500 | 3,767 |
| Average total loans | $84,819,000 | 3,982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 1,044 |
| Cost of funding earning assets | 1.1128% | 2,592 |
| Net interest margin | 4.4430% | 1,281 |
| Noninterest income to average assets | 0.4328% | 4,353 |
| Noninterest expense to average assets | 3.3035% | 2,510 |
| Loan and lease loss provision to assets | 0.2328% | 3,877 |
| Net operating income to assets | 0.8646% | 2,755 |
| Return on assets (ROA) | 0.8646% | 2,899 |
| Pretax return on assets | 0.8646% | 3,727 |
| Return on Equity (ROE) | 5.9381% | 3,896 |
| Retained earnings to average equity (ytd only) | 5.9381% | 2,053 |
| Net charge-offs to loans | 0.0258% | 6,078 |
| Credit loss provision to net charge-offs | 1,194.7368% | 180 |
| Earnings coverage of net charge-offs (x) | 56.3158% | 505 |
| Efficiency ratio | 75.0641% | 3,049 |
| Assets per employee ($millions) | 4.6615% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 4,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 79.4465% | 549 |
| Net loans and leases to deposits | 94.6877% | 762 |
| Net loans and leases to core deposits | 106.1606% | 788 |
| Total domestic deposits to total assets | 83.9038% | 4,353 |
| Equity capital to assets | 15.6681% | 640 |
| Core capital (leverage) ratio | 15.7937% | 487 |
| Tier 1 risk-based capital ratio | 16.9845% | 2,617 |
| Total risk-based capital ratio | 18.2361% | 2,569 |
| Memoranda: | ||
| Average total assets | $97,502,200 | 4,965 |
| Average earning assets | $87,080,000 | 5,020 |
| Average equity | $14,196,400 | 4,069 |
| Average total loans | $73,595,800 | 4,363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 1,068 |
| Cost of funding earning assets | 1.1607% | 2,563 |
| Net interest margin | 4.4248% | 1,333 |
| Noninterest income to average assets | 0.4142% | 4,551 |
| Noninterest expense to average assets | 3.3194% | 2,435 |
| Loan and lease loss provision to assets | 0.1884% | 4,142 |
| Net operating income to assets | 0.8409% | 2,983 |
| Return on assets (ROA) | 0.8409% | 3,132 |
| Pretax return on assets | 0.8409% | 3,980 |
| Return on Equity (ROE) | 5.8951% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.8951% | 2,619 |
| Net charge-offs to loans | 0.0299% | 5,727 |
| Credit loss provision to net charge-offs | 850.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 46.4435% | 686 |
| Efficiency ratio | 76.3300% | 2,794 |
| Assets per employee ($millions) | 4.8391% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 4,037 |
| Loan loss allowance to noncurrent loans | 202.1390% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,729 |
| Noncurrent loans to loans | 0.7483% | 5,382 |
| Net loans and leases to total assets | 72.6565% | 1,575 |
| Net loans and leases to deposits | 86.5562% | 1,614 |
| Net loans and leases to core deposits | 97.4321% | 1,478 |
| Total domestic deposits to total assets | 83.9415% | 4,258 |
| Equity capital to assets | 15.5262% | 718 |
| Core capital (leverage) ratio | 15.7282% | 541 |
| Tier 1 risk-based capital ratio | 17.8418% | 2,315 |
| Total risk-based capital ratio | 19.0943% | 2,278 |
| Memoranda: | ||
| Average total assets | $96,239,750 | 5,031 |
| Average earning assets | $85,576,750 | 5,106 |
| Average equity | $13,728,500 | 4,179 |
| Average total loans | $71,320,750 | 4,478 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 1,147 |
| Cost of funding earning assets | 1.1906% | 2,641 |
| Net interest margin | 4.3696% | 1,463 |
| Noninterest income to average assets | 0.4214% | 4,500 |
| Noninterest expense to average assets | 3.2442% | 2,746 |
| Loan and lease loss provision to assets | 0.1800% | 4,117 |
| Net operating income to assets | 0.9296% | 2,518 |
| Return on assets (ROA) | 0.9296% | 2,623 |
| Pretax return on assets | 0.9296% | 3,510 |
| Return on Equity (ROE) | 6.7304% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.7304% | 1,999 |
| Net charge-offs to loans | 0.0456% | 5,211 |
| Credit loss provision to net charge-offs | 531.2500% | 578 |
| Earnings coverage of net charge-offs (x) | 32.7500% | 865 |
| Efficiency ratio | 74.5136% | 3,272 |
| Assets per employee ($millions) | 4.5778% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 4,254 |
| Loan loss allowance to noncurrent loans | 195.1351% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,772 |
| Noncurrent loans to loans | 0.7537% | 5,401 |
| Net loans and leases to total assets | 75.4707% | 1,161 |
| Net loans and leases to deposits | 88.1825% | 1,471 |
| Net loans and leases to core deposits | 100.1837% | 1,326 |
| Total domestic deposits to total assets | 85.5847% | 3,572 |
| Equity capital to assets | 13.9493% | 1,113 |
| Core capital (leverage) ratio | 14.0967% | 849 |
| Tier 1 risk-based capital ratio | 16.7569% | 2,626 |
| Total risk-based capital ratio | 18.0098% | 2,580 |
| Memoranda: | ||
| Average total assets | $94,445,670 | 5,125 |
| Average earning assets | $84,996,000 | 5,161 |
| Average equity | $13,045,330 | 4,334 |
| Average total loans | $70,104,670 | 4,574 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 1,451 |
| Cost of funding earning assets | 1.2287% | 2,639 |
| Net interest margin | 4.2107% | 1,867 |
| Noninterest income to average assets | 0.4145% | 4,587 |
| Noninterest expense to average assets | 3.1794% | 2,966 |
| Loan and lease loss provision to assets | 0.2179% | 3,474 |
| Net operating income to assets | 0.8248% | 2,908 |
| Return on assets (ROA) | 0.8248% | 2,968 |
| Pretax return on assets | 0.8248% | 3,810 |
| Return on Equity (ROE) | 6.0017% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.0017% | 2,631 |
| Net charge-offs to loans | 0.0937% | 4,003 |
| Credit loss provision to net charge-offs | 318.7500% | 1,020 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,331 |
| Efficiency ratio | 75.3036% | 3,279 |
| Assets per employee ($millions) | 4.6043% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 4,067 |
| Loan loss allowance to noncurrent loans | 1,311.2500% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,946 |
| Noncurrent loans to loans | 0.1165% | 6,757 |
| Net loans and leases to total assets | 73.4387% | 1,428 |
| Net loans and leases to deposits | 85.9583% | 1,733 |
| Net loans and leases to core deposits | 96.4955% | 1,637 |
| Total domestic deposits to total assets | 85.4352% | 3,817 |
| Equity capital to assets | 14.0837% | 986 |
| Core capital (leverage) ratio | 13.7158% | 913 |
| Tier 1 risk-based capital ratio | 17.3359% | 2,362 |
| Total risk-based capital ratio | 18.5897% | 2,337 |
| Memoranda: | ||
| Average total assets | $93,601,500 | 5,184 |
| Average earning assets | $84,642,000 | 5,201 |
| Average equity | $12,863,000 | 4,374 |
| Average total loans | $68,339,000 | 4,676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5934% | 1,920 |
| Cost of funding earning assets | 1.4995% | 2,635 |
| Net interest margin | 4.0940% | 2,590 |
| Noninterest income to average assets | 0.3634% | 5,201 |
| Noninterest expense to average assets | 3.1978% | 3,103 |
| Loan and lease loss provision to assets | 0.3040% | 4,373 |
| Net operating income to assets | 0.4937% | 4,129 |
| Return on assets (ROA) | 0.4937% | 4,285 |
| Pretax return on assets | 0.4937% | 4,640 |
| Return on Equity (ROE) | 3.4545% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.4545% | 3,450 |
| Net charge-offs to loans | -0.0016% | 7,233 |
| Credit loss provision to net charge-offs | -26,600.0000% | 7,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0343% | 2,409 |
| Assets per employee ($millions) | 4.7559% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.4273% | 2,424 |
| Net loans and leases to deposits | 88.2247% | 1,756 |
| Net loans and leases to core deposits | 101.2056% | 1,521 |
| Total domestic deposits to total assets | 79.8272% | 5,878 |
| Equity capital to assets | 13.4118% | 1,215 |
| Core capital (leverage) ratio | 13.3764% | 1,008 |
| Tier 1 risk-based capital ratio | 17.1412% | 2,299 |
| Total risk-based capital ratio | 18.3938% | 2,256 |
| Memoranda: | ||
| Average total assets | $87,498,800 | 5,360 |
| Average earning assets | $77,626,600 | 5,427 |
| Average equity | $12,505,600 | 4,476 |
| Average total loans | $61,406,600 | 5,009 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5960% | 2,078 |
| Cost of funding earning assets | 1.5432% | 2,711 |
| Net interest margin | 4.0527% | 2,841 |
| Noninterest income to average assets | 0.3365% | 5,476 |
| Noninterest expense to average assets | 3.1372% | 3,153 |
| Loan and lease loss provision to assets | 0.3209% | 4,019 |
| Net operating income to assets | 0.4455% | 4,562 |
| Return on assets (ROA) | 0.4455% | 4,752 |
| Pretax return on assets | 0.4455% | 5,097 |
| Return on Equity (ROE) | 3.0646% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.0646% | 4,289 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3671% | 2,289 |
| Assets per employee ($millions) | 5.2021% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 4,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.8759% | 3,251 |
| Net loans and leases to deposits | 85.2245% | 2,481 |
| Net loans and leases to core deposits | 96.1019% | 2,247 |
| Total domestic deposits to total assets | 79.6437% | 5,825 |
| Equity capital to assets | 13.4733% | 1,362 |
| Core capital (leverage) ratio | 13.6791% | 998 |
| Tier 1 risk-based capital ratio | 17.5928% | 2,141 |
| Total risk-based capital ratio | 18.8446% | 2,115 |
| Memoranda: | ||
| Average total assets | $85,594,000 | 5,480 |
| Average earning assets | $75,338,000 | 5,563 |
| Average equity | $12,442,750 | 4,564 |
| Average total loans | $59,757,500 | 5,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 2,006 |
| Cost of funding earning assets | 1.5861% | 2,738 |
| Net interest margin | 4.0482% | 2,797 |
| Noninterest income to average assets | 0.2919% | 5,814 |
| Noninterest expense to average assets | 3.2154% | 2,852 |
| Loan and lease loss provision to assets | 0.3522% | 3,609 |
| Net operating income to assets | 0.2581% | 5,344 |
| Return on assets (ROA) | 0.2581% | 5,483 |
| Pretax return on assets | 0.2581% | 5,635 |
| Return on Equity (ROE) | 1.7279% | 5,720 |
| Retained earnings to average equity (ytd only) | 1.7279% | 5,009 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0479% | 1,917 |
| Assets per employee ($millions) | 4.7656% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 70.0785% | 2,876 |
| Net loans and leases to deposits | 89.7790% | 1,898 |
| Net loans and leases to core deposits | 104.0451% | 1,633 |
| Total domestic deposits to total assets | 78.0567% | 6,256 |
| Equity capital to assets | 13.7962% | 1,244 |
| Core capital (leverage) ratio | 14.3742% | 841 |
| Tier 1 risk-based capital ratio | 17.1724% | 2,209 |
| Total risk-based capital ratio | 18.4242% | 2,171 |
| Memoranda: | ||
| Average total assets | $82,913,000 | 5,598 |
| Average earning assets | $72,377,670 | 5,695 |
| Average equity | $12,385,000 | 4,578 |
| Average total loans | $58,173,000 | 5,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 2,689 |
| Cost of funding earning assets | 1.6266% | 2,795 |
| Net interest margin | 3.8536% | 3,543 |
| Noninterest income to average assets | 0.2478% | 6,171 |
| Noninterest expense to average assets | 3.1607% | 3,010 |
| Loan and lease loss provision to assets | 0.3085% | 3,574 |
| Net operating income to assets | 0.1214% | 5,961 |
| Return on assets (ROA) | 0.1214% | 6,076 |
| Pretax return on assets | 0.1214% | 6,083 |
| Return on Equity (ROE) | 0.7785% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.7785% | 5,511 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0282% | 1,582 |
| Assets per employee ($millions) | 5.5754% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 4,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.9931% | 3,636 |
| Net loans and leases to deposits | 88.9840% | 2,066 |
| Net loans and leases to core deposits | 99.9857% | 2,131 |
| Total domestic deposits to total assets | 75.2867% | 6,865 |
| Equity capital to assets | 14.7661% | 936 |
| Core capital (leverage) ratio | 15.7947% | 614 |
| Tier 1 risk-based capital ratio | 19.0930% | 1,699 |
| Total risk-based capital ratio | 20.3449% | 1,668 |
| Memoranda: | ||
| Average total assets | $79,096,000 | 5,794 |
| Average earning assets | $68,611,000 | 5,886 |
| Average equity | $12,331,500 | 4,631 |
| Average total loans | $55,086,000 | 5,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9649% | 2,009 |
| Cost of funding earning assets | 1.8380% | 3,792 |
| Net interest margin | 4.1269% | 2,340 |
| Noninterest income to average assets | 0.3261% | 5,748 |
| Noninterest expense to average assets | 3.4435% | 2,545 |
| Loan and lease loss provision to assets | 0.5007% | 3,872 |
| Net operating income to assets | -0.0516% | 5,587 |
| Return on assets (ROA) | -0.0516% | 5,611 |
| Pretax return on assets | -0.0100% | 5,461 |
| Return on Equity (ROE) | -0.2508% | 5,580 |
| Retained earnings to average equity (ytd only) | -0.2508% | 5,004 |
| Net charge-offs to loans | 0.0111% | 7,077 |
| Credit loss provision to net charge-offs | 6,020.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 452 |
| Efficiency ratio | 87.5264% | 1,926 |
| Assets per employee ($millions) | 4.9707% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,234 |
| Loan loss allowance to noncurrent loans | 3,735.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,455 |
| Noncurrent loans to loans | 0.0375% | 7,336 |
| Net loans and leases to total assets | 70.5329% | 3,119 |
| Net loans and leases to deposits | 89.5713% | 2,287 |
| Net loans and leases to core deposits | 130.2861% | 1,266 |
| Total domestic deposits to total assets | 78.7449% | 6,046 |
| Equity capital to assets | 16.5153% | 616 |
| Core capital (leverage) ratio | 17.3157% | 456 |
| Tier 1 risk-based capital ratio | 19.7422% | 1,505 |
| Total risk-based capital ratio | 20.9926% | 1,472 |
| Memoranda: | ||
| Average total assets | $60,112,800 | 6,346 |
| Average earning assets | $52,557,600 | 6,435 |
| Average equity | $12,362,000 | 4,661 |
| Average total loans | $44,857,600 | 5,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 2,058 |
| Cost of funding earning assets | 1.8371% | 4,212 |
| Net interest margin | 4.1577% | 2,189 |
| Noninterest income to average assets | 0.2855% | 6,188 |
| Noninterest expense to average assets | 3.1928% | 3,323 |
| Loan and lease loss provision to assets | 0.5687% | 3,110 |
| Net operating income to assets | 0.1770% | 5,229 |
| Return on assets (ROA) | 0.1770% | 5,300 |
| Pretax return on assets | 0.1770% | 5,347 |
| Return on Equity (ROE) | 0.8081% | 5,556 |
| Retained earnings to average equity (ytd only) | 0.8081% | 4,841 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0665% | 2,702 |
| Assets per employee ($millions) | 4.5013% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 3,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.4141% | 2,931 |
| Net loans and leases to deposits | 94.2226% | 1,852 |
| Net loans and leases to core deposits | 134.6645% | 1,169 |
| Total domestic deposits to total assets | 76.8543% | 6,377 |
| Equity capital to assets | 18.3501% | 480 |
| Core capital (leverage) ratio | 19.9419% | 313 |
| Tier 1 risk-based capital ratio | 21.7437% | 1,257 |
| Total risk-based capital ratio | 22.9940% | 1,238 |
| Memoranda: | ||
| Average total assets | $56,500,750 | 6,523 |
| Average earning assets | $49,641,500 | 6,587 |
| Average equity | $12,374,000 | 4,688 |
| Average total loans | $42,737,750 | 6,034 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1743% | 1,546 |
| Cost of funding earning assets | 1.8613% | 4,461 |
| Net interest margin | 4.3130% | 1,622 |
| Noninterest income to average assets | 0.3294% | 5,873 |
| Noninterest expense to average assets | 3.0817% | 3,771 |
| Loan and lease loss provision to assets | 0.4127% | 3,466 |
| Net operating income to assets | 0.6512% | 3,462 |
| Return on assets (ROA) | 0.6512% | 3,571 |
| Pretax return on assets | 0.6512% | 4,161 |
| Return on Equity (ROE) | 2.7812% | 4,986 |
| Retained earnings to average equity (ytd only) | 2.7812% | 3,781 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3379% | 3,984 |
| Assets per employee ($millions) | 4.1778% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 4,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.9218% | 2,459 |
| Net loans and leases to deposits | 109.3475% | 585 |
| Net loans and leases to core deposits | 154.3863% | 554 |
| Total domestic deposits to total assets | 68.5172% | 7,584 |
| Equity capital to assets | 21.3049% | 314 |
| Core capital (leverage) ratio | 22.3797% | 263 |
| Tier 1 risk-based capital ratio | 24.8648% | 954 |
| Total risk-based capital ratio | 26.0601% | 943 |
| Memoranda: | ||
| Average total assets | $52,827,670 | 6,704 |
| Average earning assets | $46,742,000 | 6,759 |
| Average equity | $12,368,670 | 4,720 |
| Average total loans | $40,455,330 | 6,185 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2510% | 1,442 |
| Cost of funding earning assets | 1.8296% | 4,981 |
| Net interest margin | 4.4214% | 1,298 |
| Noninterest income to average assets | 0.2160% | 6,747 |
| Noninterest expense to average assets | 3.0562% | 3,533 |
| Loan and lease loss provision to assets | 0.5600% | 2,239 |
| Net operating income to assets | 0.5440% | 4,240 |
| Return on assets (ROA) | 0.5440% | 4,424 |
| Pretax return on assets | 0.5440% | 4,935 |
| Return on Equity (ROE) | 2.2073% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.2073% | 4,647 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4615% | 3,924 |
| Assets per employee ($millions) | 5.8670% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 4,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.9654% | 2,512 |
| Net loans and leases to deposits | 103.4011% | 1,057 |
| Net loans and leases to core deposits | 145.2624% | 893 |
| Total domestic deposits to total assets | 72.4997% | 7,131 |
| Equity capital to assets | 23.3983% | 267 |
| Core capital (leverage) ratio | 24.7546% | 234 |
| Tier 1 risk-based capital ratio | 27.0037% | 823 |
| Total risk-based capital ratio | 28.2233% | 801 |
| Memoranda: | ||
| Average total assets | $49,997,000 | 6,868 |
| Average earning assets | $44,601,000 | 6,894 |
| Average equity | $12,322,500 | 4,746 |
| Average total loans | $38,492,500 | 6,307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8148% | 1,626 |
| Cost of funding earning assets | 1.9236% | 6,665 |
| Net interest margin | 4.8912% | 641 |
| Noninterest income to average assets | 0.0965% | 7,649 |
| Noninterest expense to average assets | 4.1627% | 1,188 |
| Loan and lease loss provision to assets | 0.7127% | 2,073 |
| Net operating income to assets | -0.3890% | 6,808 |
| Return on assets (ROA) | -0.3890% | 6,691 |
| Pretax return on assets | -0.3890% | 6,538 |
| Return on Equity (ROE) | -1.1101% | 6,380 |
| Retained earnings to average equity (ytd only) | -1.1101% | 5,628 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7848% | 1,341 |
| Assets per employee ($millions) | 4.2901% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.1948% | 2,328 |
| Net loans and leases to deposits | 112.3416% | 690 |
| Net loans and leases to core deposits | 153.1531% | 745 |
| Total domestic deposits to total assets | 68.7144% | 7,405 |
| Equity capital to assets | 26.0431% | 246 |
| Core capital (leverage) ratio | 28.1790% | 206 |
| Tier 1 risk-based capital ratio | 29.4866% | 668 |
| Total risk-based capital ratio | 30.6814% | 657 |
| Memoranda: | ||
| Average total assets | $35,217,800 | 7,411 |
| Average earning assets | $31,607,800 | 7,429 |
| Average equity | $12,340,800 | 4,744 |
| Average total loans | $26,349,600 | 6,941 |