Home > Decorah Bank & Trust Company > Performance and Condition Ratios
Decorah Bank & Trust Company, 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 | 5.0135% | 2,045 |
| Cost of funding earning assets | 1.8087% | 1,236 |
| Net interest margin | 3.2049% | 2,864 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.7617% | 1,599 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9266% | 2,463 |
| Return on assets (ROA) | 0.9309% | 2,418 |
| Pretax return on assets | 0.9800% | 2,723 |
| Return on Equity (ROE) | 9.5500% | 2,629 |
| Retained earnings to average equity (ytd only) | 3.6535% | 3,069 |
| Net charge-offs to loans | -0.0046% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.0263% | 1,554 |
| Assets per employee ($millions) | 6.2763% | 2,572 |
| Cash dividends to net income (ytd only)* | 61.7378% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 884 |
| Loan loss allowance to noncurrent loans | 156.6325% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 667 |
| Noncurrent loans to loans | 1.0059% | 735 |
| Net loans and leases to total assets | 75.3000% | 1,206 |
| Net loans and leases to deposits | 87.5862% | 1,476 |
| Net loans and leases to core deposits | 104.7085% | 1,183 |
| Total domestic deposits to total assets | 85.9800% | 2,026 |
| Equity capital to assets | 9.8556% | 2,091 |
| Core capital (leverage) ratio | 11.0122% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1010% | 1,835 |
| Memoranda: | ||
| Average total assets | $679,976,200 | 1,333 |
| Average earning assets | $635,942,200 | 1,316 |
| Average equity | $66,293,200 | 1,303 |
| Average total loans | $519,103,400 | 1,194 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 2,062 |
| Cost of funding earning assets | 1.7124% | 1,164 |
| Net interest margin | 3.1865% | 2,948 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.8134% | 1,405 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8770% | 2,770 |
| Return on assets (ROA) | 0.8832% | 2,725 |
| Pretax return on assets | 0.9229% | 3,049 |
| Return on Equity (ROE) | 9.0900% | 2,901 |
| Retained earnings to average equity (ytd only) | 3.4662% | 3,393 |
| Net charge-offs to loans | -0.0088% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.6067% | 1,307 |
| Assets per employee ($millions) | 5.9545% | 2,802 |
| Cash dividends to net income (ytd only)* | 61.8492% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 859 |
| Loan loss allowance to noncurrent loans | 162.2825% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 721 |
| Noncurrent loans to loans | 0.9947% | 814 |
| Net loans and leases to total assets | 76.2200% | 1,096 |
| Net loans and leases to deposits | 88.4345% | 1,348 |
| Net loans and leases to core deposits | 99.2024% | 1,364 |
| Total domestic deposits to total assets | 86.1900% | 2,137 |
| Equity capital to assets | 9.5710% | 2,058 |
| Core capital (leverage) ratio | 11.1893% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4369% | 1,737 |
| Memoranda: | ||
| Average total assets | $672,664,500 | 1,341 |
| Average earning assets | $629,051,250 | 1,327 |
| Average equity | $65,392,000 | 1,301 |
| Average total loans | $513,223,000 | 1,200 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 2,048 |
| Cost of funding earning assets | 1.5992% | 1,072 |
| Net interest margin | 3.1764% | 3,046 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.7885% | 1,441 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8299% | 2,985 |
| Return on assets (ROA) | 0.8359% | 2,981 |
| Pretax return on assets | 0.8732% | 3,231 |
| Return on Equity (ROE) | 8.5500% | 3,097 |
| Retained earnings to average equity (ytd only) | 3.0427% | 3,466 |
| Net charge-offs to loans | -0.0016% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.0502% | 1,249 |
| Assets per employee ($millions) | 5.7944% | 2,891 |
| Cash dividends to net income (ytd only)* | 64.4310% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 823 |
| Loan loss allowance to noncurrent loans | 232.9020% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 998 |
| Noncurrent loans to loans | 0.7120% | 1,046 |
| Net loans and leases to total assets | 75.2900% | 1,125 |
| Net loans and leases to deposits | 87.0852% | 1,420 |
| Net loans and leases to core deposits | 95.3713% | 1,503 |
| Total domestic deposits to total assets | 86.4500% | 2,102 |
| Equity capital to assets | 9.8652% | 1,930 |
| Core capital (leverage) ratio | 11.1714% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7290% | 1,646 |
| Memoranda: | ||
| Average total assets | $670,614,667 | 1,349 |
| Average earning assets | $626,685,333 | 1,334 |
| Average equity | $65,533,000 | 1,297 |
| Average total loans | $509,005,000 | 1,197 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 2,060 |
| Cost of funding earning assets | 1.4686% | 896 |
| Net interest margin | 3.1430% | 3,251 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.8623% | 1,311 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6744% | 3,517 |
| Return on assets (ROA) | 0.6891% | 3,447 |
| Pretax return on assets | 0.7278% | 3,606 |
| Return on Equity (ROE) | 7.0900% | 3,495 |
| Retained earnings to average equity (ytd only) | 2.6593% | 3,572 |
| Net charge-offs to loans | -0.0134% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.5645% | 1,039 |
| Assets per employee ($millions) | 5.9544% | 2,805 |
| Cash dividends to net income (ytd only)* | 62.4676% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 873 |
| Loan loss allowance to noncurrent loans | 5,134.5455% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,543 |
| Noncurrent loans to loans | 0.0326% | 3,520 |
| Net loans and leases to total assets | 74.0500% | 1,196 |
| Net loans and leases to deposits | 85.6222% | 1,385 |
| Net loans and leases to core deposits | 92.3102% | 1,488 |
| Total domestic deposits to total assets | 86.4900% | 2,450 |
| Equity capital to assets | 9.8848% | 1,879 |
| Core capital (leverage) ratio | 11.0738% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8322% | 1,672 |
| Memoranda: | ||
| Average total assets | $672,744,500 | 1,356 |
| Average earning assets | $629,720,500 | 1,345 |
| Average equity | $65,431,000 | 1,310 |
| Average total loans | $508,439,500 | 1,214 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 1,610 |
| Cost of funding earning assets | 0.5826% | 973 |
| Net interest margin | 3.4594% | 2,066 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.7836% | 1,349 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1943% | 1,798 |
| Return on assets (ROA) | 1.1919% | 1,738 |
| Pretax return on assets | 1.2624% | 2,228 |
| Return on Equity (ROE) | 12.5600% | 1,949 |
| Retained earnings to average equity (ytd only) | 4.1407% | 3,350 |
| Net charge-offs to loans | -0.0099% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.0067% | 1,964 |
| Assets per employee ($millions) | 6.1150% | 2,664 |
| Cash dividends to net income (ytd only)* | 67.0453% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 937 |
| Loan loss allowance to noncurrent loans | 2,931.5603% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,382 |
| Noncurrent loans to loans | 0.0553% | 3,358 |
| Net loans and leases to total assets | 74.6100% | 1,167 |
| Net loans and leases to deposits | 86.5509% | 1,273 |
| Net loans and leases to core deposits | 93.2434% | 1,333 |
| Total domestic deposits to total assets | 86.2000% | 2,675 |
| Equity capital to assets | 9.5672% | 1,959 |
| Core capital (leverage) ratio | 11.3754% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6500% | 1,747 |
| Memoranda: | ||
| Average total assets | $627,830,200 | 1,426 |
| Average earning assets | $588,099,400 | 1,412 |
| Average equity | $59,555,000 | 1,412 |
| Average total loans | $463,454,400 | 1,243 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 1,459 |
| Cost of funding earning assets | 0.3894% | 1,365 |
| Net interest margin | 3.5220% | 1,605 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.8383% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2110% | 1,657 |
| Return on assets (ROA) | 1.2067% | 1,650 |
| Pretax return on assets | 1.2891% | 2,084 |
| Return on Equity (ROE) | 12.5100% | 1,872 |
| Retained earnings to average equity (ytd only) | 3.8055% | 3,509 |
| Net charge-offs to loans | -0.0094% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6181% | 1,940 |
| Assets per employee ($millions) | 5.7592% | 2,980 |
| Cash dividends to net income (ytd only)* | 69.5815% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 965 |
| Loan loss allowance to noncurrent loans | 2,088.7728% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,285 |
| Noncurrent loans to loans | 0.0790% | 3,310 |
| Net loans and leases to total assets | 75.2500% | 989 |
| Net loans and leases to deposits | 86.2442% | 1,156 |
| Net loans and leases to core deposits | 89.1166% | 1,352 |
| Total domestic deposits to total assets | 87.2600% | 2,677 |
| Equity capital to assets | 8.6643% | 2,432 |
| Core capital (leverage) ratio | 9.9066% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2306% | 2,380 |
| Memoranda: | ||
| Average total assets | $617,868,000 | 1,446 |
| Average earning assets | $579,386,250 | 1,435 |
| Average equity | $59,597,000 | 1,428 |
| Average total loans | $451,784,750 | 1,259 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 1,288 |
| Cost of funding earning assets | 0.3089% | 1,643 |
| Net interest margin | 3.5022% | 1,306 |
| Noninterest income to average assets | 0.8524% | 935 |
| Noninterest expense to average assets | 2.8111% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2374% | 1,306 |
| Return on assets (ROA) | 1.2307% | 1,308 |
| Pretax return on assets | 1.3208% | 1,682 |
| Return on Equity (ROE) | 12.3271% | 1,571 |
| Retained earnings to average equity (ytd only) | 3.2436% | 3,374 |
| Net charge-offs to loans | -0.0141% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8445% | 2,267 |
| Assets per employee ($millions) | 5.7093% | 3,017 |
| Cash dividends to net income (ytd only)* | 73.6870% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 929 |
| Loan loss allowance to noncurrent loans | 3,940.3941% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,651 |
| Noncurrent loans to loans | 0.0437% | 3,619 |
| Net loans and leases to total assets | 74.1007% | 910 |
| Net loans and leases to deposits | 85.4269% | 1,021 |
| Net loans and leases to core deposits | 86.8185% | 1,275 |
| Total domestic deposits to total assets | 86.7416% | 3,024 |
| Equity capital to assets | 9.2050% | 2,228 |
| Core capital (leverage) ratio | 9.9341% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5664% | 2,267 |
| Memoranda: | ||
| Average total assets | $612,651,667 | 1,467 |
| Average earning assets | $574,955,667 | 1,455 |
| Average equity | $61,166,000 | 1,418 |
| Average total loans | $440,800,333 | 1,280 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 1,372 |
| Cost of funding earning assets | 0.2752% | 1,876 |
| Net interest margin | 3.3813% | 1,347 |
| Noninterest income to average assets | 0.8227% | 986 |
| Noninterest expense to average assets | 2.6548% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2728% | 1,067 |
| Return on assets (ROA) | 1.2753% | 1,052 |
| Pretax return on assets | 1.3493% | 1,377 |
| Return on Equity (ROE) | 12.2897% | 1,231 |
| Retained earnings to average equity (ytd only) | 2.9415% | 3,281 |
| Net charge-offs to loans | -0.0009% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2793% | 2,734 |
| Assets per employee ($millions) | 5.6428% | 3,188 |
| Cash dividends to net income (ytd only)* | 76.0657% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 820 |
| Loan loss allowance to noncurrent loans | 3,812.9187% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,696 |
| Noncurrent loans to loans | 0.0483% | 3,631 |
| Net loans and leases to total assets | 70.3336% | 990 |
| Net loans and leases to deposits | 81.0159% | 1,074 |
| Net loans and leases to core deposits | 82.2147% | 1,340 |
| Total domestic deposits to total assets | 86.8146% | 2,995 |
| Equity capital to assets | 9.8233% | 2,036 |
| Core capital (leverage) ratio | 9.9858% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2570% | 2,092 |
| Memoranda: | ||
| Average total assets | $610,677,500 | 1,476 |
| Average earning assets | $574,099,500 | 1,463 |
| Average equity | $63,370,000 | 1,422 |
| Average total loans | $428,748,500 | 1,299 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 1,284 |
| Cost of funding earning assets | 0.3170% | 2,228 |
| Net interest margin | 3.7159% | 1,175 |
| Noninterest income to average assets | 1.1001% | 857 |
| Noninterest expense to average assets | 2.5867% | 1,904 |
| Loan and lease loss provision to assets | 0.1125% | 1,120 |
| Net operating income to assets | 1.8052% | 503 |
| Return on assets (ROA) | 1.8168% | 512 |
| Pretax return on assets | 1.8985% | 725 |
| Return on Equity (ROE) | 16.1470% | 729 |
| Retained earnings to average equity (ytd only) | 4.7402% | 2,895 |
| Net charge-offs to loans | 0.0975% | 865 |
| Credit loss provision to net charge-offs | 163.4804% | 1,439 |
| Earnings coverage of net charge-offs (x) | 29.0441% | 1,628 |
| Efficiency ratio | 56.3767% | 3,659 |
| Assets per employee ($millions) | 5.8262% | 2,922 |
| Cash dividends to net income (ytd only)* | 70.6434% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 759 |
| Loan loss allowance to noncurrent loans | 3,706.0465% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,781 |
| Noncurrent loans to loans | 0.0506% | 3,717 |
| Net loans and leases to total assets | 67.5059% | 1,319 |
| Net loans and leases to deposits | 78.8148% | 1,314 |
| Net loans and leases to core deposits | 79.9080% | 1,607 |
| Total domestic deposits to total assets | 85.6513% | 3,034 |
| Equity capital to assets | 10.9184% | 1,840 |
| Core capital (leverage) ratio | 10.0259% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3307% | 2,112 |
| Memoranda: | ||
| Average total assets | $592,850,800 | 1,470 |
| Average earning assets | $556,069,200 | 1,463 |
| Average equity | $66,706,000 | 1,400 |
| Average total loans | $418,333,000 | 1,329 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 1,190 |
| Cost of funding earning assets | 0.3352% | 2,248 |
| Net interest margin | 3.8117% | 1,091 |
| Noninterest income to average assets | 1.0107% | 1,055 |
| Noninterest expense to average assets | 2.5706% | 1,926 |
| Loan and lease loss provision to assets | 0.1212% | 973 |
| Net operating income to assets | 1.8187% | 643 |
| Return on assets (ROA) | 1.8329% | 653 |
| Pretax return on assets | 1.9056% | 937 |
| Return on Equity (ROE) | 16.1639% | 911 |
| Retained earnings to average equity (ytd only) | 5.0847% | 3,187 |
| Net charge-offs to loans | 0.0589% | 1,054 |
| Credit loss provision to net charge-offs | 289.6739% | 1,025 |
| Earnings coverage of net charge-offs (x) | 48.1141% | 1,265 |
| Efficiency ratio | 56.0355% | 3,528 |
| Assets per employee ($millions) | 5.8209% | 2,866 |
| Cash dividends to net income (ytd only)* | 68.5431% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 784 |
| Loan loss allowance to noncurrent loans | 4,132.3077% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,944 |
| Noncurrent loans to loans | 0.0457% | 3,887 |
| Net loans and leases to total assets | 69.7514% | 1,102 |
| Net loans and leases to deposits | 82.0433% | 1,115 |
| Net loans and leases to core deposits | 83.8232% | 1,438 |
| Total domestic deposits to total assets | 85.0178% | 3,106 |
| Equity capital to assets | 11.2638% | 1,841 |
| Core capital (leverage) ratio | 10.1144% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3733% | 2,217 |
| Memoranda: | ||
| Average total assets | $586,670,000 | 1,498 |
| Average earning assets | $549,767,500 | 1,493 |
| Average equity | $66,525,250 | 1,419 |
| Average total loans | $416,699,500 | 1,356 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 1,474 |
| Cost of funding earning assets | 0.3535% | 2,283 |
| Net interest margin | 3.6852% | 1,386 |
| Noninterest income to average assets | 1.0165% | 1,043 |
| Noninterest expense to average assets | 2.5832% | 1,902 |
| Loan and lease loss provision to assets | 0.1126% | 1,122 |
| Net operating income to assets | 1.7001% | 871 |
| Return on assets (ROA) | 1.7120% | 904 |
| Pretax return on assets | 1.7875% | 1,265 |
| Return on Equity (ROE) | 15.0628% | 1,140 |
| Retained earnings to average equity (ytd only) | 5.3211% | 3,061 |
| Net charge-offs to loans | 0.0769% | 890 |
| Credit loss provision to net charge-offs | 206.2893% | 1,039 |
| Earnings coverage of net charge-offs (x) | 34.5723% | 1,240 |
| Efficiency ratio | 57.7156% | 3,320 |
| Assets per employee ($millions) | 5.5497% | 3,070 |
| Cash dividends to net income (ytd only)* | 64.6740% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 780 |
| Loan loss allowance to noncurrent loans | 3,228.6885% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 3,393 |
| Noncurrent loans to loans | 0.0579% | 3,891 |
| Net loans and leases to total assets | 70.2847% | 1,161 |
| Net loans and leases to deposits | 82.9049% | 1,133 |
| Net loans and leases to core deposits | 85.9291% | 1,423 |
| Total domestic deposits to total assets | 84.7774% | 3,187 |
| Equity capital to assets | 11.3769% | 1,715 |
| Core capital (leverage) ratio | 10.0779% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7932% | 2,057 |
| Memoranda: | ||
| Average total assets | $582,376,333 | 1,499 |
| Average earning assets | $545,911,667 | 1,495 |
| Average equity | $66,189,667 | 1,413 |
| Average total loans | $413,515,000 | 1,372 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 1,785 |
| Cost of funding earning assets | 0.3719% | 2,339 |
| Net interest margin | 3.5479% | 1,702 |
| Noninterest income to average assets | 1.2675% | 784 |
| Noninterest expense to average assets | 2.5204% | 2,121 |
| Loan and lease loss provision to assets | 0.1394% | 964 |
| Net operating income to assets | 1.8559% | 710 |
| Return on assets (ROA) | 1.8625% | 759 |
| Pretax return on assets | 1.9405% | 1,045 |
| Return on Equity (ROE) | 16.3960% | 945 |
| Retained earnings to average equity (ytd only) | 5.1838% | 3,172 |
| Net charge-offs to loans | -0.0059% | 3,454 |
| Credit loss provision to net charge-offs | -3,366.6667% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8693% | 3,692 |
| Assets per employee ($millions) | 5.6039% | 3,017 |
| Cash dividends to net income (ytd only)* | 68.3840% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 721 |
| Loan loss allowance to noncurrent loans | 1,709.9352% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 2,973 |
| Noncurrent loans to loans | 0.1120% | 3,747 |
| Net loans and leases to total assets | 69.5480% | 1,350 |
| Net loans and leases to deposits | 81.3037% | 1,396 |
| Net loans and leases to core deposits | 83.6726% | 1,704 |
| Total domestic deposits to total assets | 85.5410% | 2,914 |
| Equity capital to assets | 11.2102% | 1,716 |
| Core capital (leverage) ratio | 10.2202% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8676% | 1,941 |
| Memoranda: | ||
| Average total assets | $579,428,500 | 1,494 |
| Average earning assets | $543,202,000 | 1,491 |
| Average equity | $65,821,000 | 1,416 |
| Average total loans | $409,601,000 | 1,384 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 1,676 |
| Cost of funding earning assets | 0.6168% | 2,200 |
| Net interest margin | 3.7489% | 1,644 |
| Noninterest income to average assets | 1.3704% | 623 |
| Noninterest expense to average assets | 2.6281% | 2,454 |
| Loan and lease loss provision to assets | 0.3098% | 1,204 |
| Net operating income to assets | 1.8529% | 350 |
| Return on assets (ROA) | 1.8518% | 374 |
| Pretax return on assets | 1.9395% | 515 |
| Return on Equity (ROE) | 15.5636% | 557 |
| Retained earnings to average equity (ytd only) | 6.9359% | 1,418 |
| Net charge-offs to loans | 0.1715% | 969 |
| Credit loss provision to net charge-offs | 250.7599% | 1,936 |
| Earnings coverage of net charge-offs (x) | 18.2143% | 2,036 |
| Efficiency ratio | 53.8701% | 4,227 |
| Assets per employee ($millions) | 5.5927% | 2,749 |
| Cash dividends to net income (ytd only)* | 55.4350% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 726 |
| Loan loss allowance to noncurrent loans | 1,538.7226% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 3,070 |
| Noncurrent loans to loans | 0.1234% | 3,790 |
| Net loans and leases to total assets | 69.1338% | 1,669 |
| Net loans and leases to deposits | 82.5858% | 1,593 |
| Net loans and leases to core deposits | 85.1539% | 1,939 |
| Total domestic deposits to total assets | 83.7115% | 3,199 |
| Equity capital to assets | 11.5108% | 1,875 |
| Core capital (leverage) ratio | 10.2480% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6561% | 1,986 |
| Memoranda: | ||
| Average total assets | $532,554,000 | 1,468 |
| Average earning assets | $498,353,200 | 1,460 |
| Average equity | $63,365,600 | 1,388 |
| Average total loans | $383,678,400 | 1,413 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 1,948 |
| Cost of funding earning assets | 0.6730% | 2,185 |
| Net interest margin | 3.6913% | 1,971 |
| Noninterest income to average assets | 1.2983% | 646 |
| Noninterest expense to average assets | 2.6215% | 2,476 |
| Loan and lease loss provision to assets | 0.3483% | 1,089 |
| Net operating income to assets | 1.7057% | 568 |
| Return on assets (ROA) | 1.7042% | 635 |
| Pretax return on assets | 1.7811% | 809 |
| Return on Equity (ROE) | 14.1952% | 842 |
| Retained earnings to average equity (ytd only) | 7.4531% | 1,510 |
| Net charge-offs to loans | 0.2017% | 757 |
| Credit loss provision to net charge-offs | 238.2867% | 1,969 |
| Earnings coverage of net charge-offs (x) | 14.5769% | 2,149 |
| Efficiency ratio | 55.1600% | 4,020 |
| Assets per employee ($millions) | 5.7885% | 2,461 |
| Cash dividends to net income (ytd only)* | 47.4955% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 655 |
| Loan loss allowance to noncurrent loans | 494.5982% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 2,437 |
| Noncurrent loans to loans | 0.3737% | 2,945 |
| Net loans and leases to total assets | 71.7551% | 1,706 |
| Net loans and leases to deposits | 85.4316% | 1,765 |
| Net loans and leases to core deposits | 88.6905% | 2,085 |
| Total domestic deposits to total assets | 83.9913% | 2,828 |
| Equity capital to assets | 11.7699% | 1,827 |
| Core capital (leverage) ratio | 10.3342% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8600% | 1,874 |
| Memoranda: | ||
| Average total assets | $521,679,750 | 1,470 |
| Average earning assets | $488,158,500 | 1,462 |
| Average equity | $62,630,000 | 1,391 |
| Average total loans | $378,109,250 | 1,419 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 2,110 |
| Cost of funding earning assets | 0.7507% | 2,117 |
| Net interest margin | 3.6846% | 2,225 |
| Noninterest income to average assets | 1.2835% | 618 |
| Noninterest expense to average assets | 2.6880% | 2,420 |
| Loan and lease loss provision to assets | 0.3429% | 1,242 |
| Net operating income to assets | 1.6325% | 710 |
| Return on assets (ROA) | 1.6299% | 782 |
| Pretax return on assets | 1.6949% | 1,012 |
| Return on Equity (ROE) | 13.4803% | 982 |
| Retained earnings to average equity (ytd only) | 6.9557% | 1,680 |
| Net charge-offs to loans | 0.0488% | 1,784 |
| Credit loss provision to net charge-offs | 972.2222% | 809 |
| Earnings coverage of net charge-offs (x) | 57.8556% | 997 |
| Efficiency ratio | 56.8457% | 3,840 |
| Assets per employee ($millions) | 5.7407% | 2,417 |
| Cash dividends to net income (ytd only)* | 48.4011% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 520 |
| Loan loss allowance to noncurrent loans | 228.7195% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 2,024 |
| Noncurrent loans to loans | 0.8359% | 1,823 |
| Net loans and leases to total assets | 69.8412% | 2,053 |
| Net loans and leases to deposits | 83.3675% | 2,060 |
| Net loans and leases to core deposits | 88.6431% | 2,186 |
| Total domestic deposits to total assets | 83.7751% | 2,826 |
| Equity capital to assets | 11.6062% | 1,910 |
| Core capital (leverage) ratio | 10.2178% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0816% | 1,778 |
| Memoranda: | ||
| Average total assets | $510,340,667 | 1,474 |
| Average earning assets | $477,171,000 | 1,466 |
| Average equity | $61,705,000 | 1,393 |
| Average total loans | $368,729,333 | 1,435 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 2,100 |
| Cost of funding earning assets | 0.8869% | 1,940 |
| Net interest margin | 3.6823% | 2,384 |
| Noninterest income to average assets | 1.0205% | 817 |
| Noninterest expense to average assets | 2.7700% | 2,516 |
| Loan and lease loss provision to assets | 0.3168% | 978 |
| Net operating income to assets | 1.3176% | 1,193 |
| Return on assets (ROA) | 1.3152% | 1,295 |
| Pretax return on assets | 1.3650% | 1,672 |
| Return on Equity (ROE) | 10.6378% | 1,523 |
| Retained earnings to average equity (ytd only) | 3.1167% | 3,033 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1884% | 3,479 |
| Assets per employee ($millions) | 5.1691% | 2,466 |
| Cash dividends to net income (ytd only)* | 70.7014% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 528 |
| Loan loss allowance to noncurrent loans | 292.2666% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 2,525 |
| Noncurrent loans to loans | 0.6735% | 2,311 |
| Net loans and leases to total assets | 71.3059% | 2,036 |
| Net loans and leases to deposits | 84.7587% | 2,134 |
| Net loans and leases to core deposits | 88.9912% | 2,445 |
| Total domestic deposits to total assets | 84.1281% | 2,749 |
| Equity capital to assets | 12.3778% | 1,811 |
| Core capital (leverage) ratio | 11.0202% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,959,500 | 1,491 |
| Average earning assets | $456,888,000 | 1,476 |
| Average equity | $60,576,500 | 1,408 |
| Average total loans | $356,894,500 | 1,430 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8677% | 1,853 |
| Cost of funding earning assets | 1.1490% | 1,161 |
| Net interest margin | 3.7188% | 2,755 |
| Noninterest income to average assets | 0.9673% | 1,040 |
| Noninterest expense to average assets | 2.5008% | 3,450 |
| Loan and lease loss provision to assets | 0.1311% | 1,631 |
| Net operating income to assets | 1.7356% | 610 |
| Return on assets (ROA) | 1.7360% | 651 |
| Pretax return on assets | 1.7991% | 942 |
| Return on Equity (ROE) | 14.5239% | 791 |
| Retained earnings to average equity (ytd only) | 4.4351% | 2,742 |
| Net charge-offs to loans | 0.2150% | 951 |
| Credit loss provision to net charge-offs | 81.7121% | 2,774 |
| Earnings coverage of net charge-offs (x) | 12.0298% | 2,441 |
| Efficiency ratio | 56.4452% | 4,149 |
| Assets per employee ($millions) | 5.0914% | 2,465 |
| Cash dividends to net income (ytd only)* | 69.4631% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 543 |
| Loan loss allowance to noncurrent loans | 210.5643% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 1,936 |
| Noncurrent loans to loans | 0.9041% | 1,697 |
| Net loans and leases to total assets | 71.5596% | 2,160 |
| Net loans and leases to deposits | 84.9907% | 2,205 |
| Net loans and leases to core deposits | 89.3352% | 2,483 |
| Total domestic deposits to total assets | 84.1969% | 2,791 |
| Equity capital to assets | 12.3489% | 1,918 |
| Core capital (leverage) ratio | 10.9049% | 2,588 |
| Tier 1 risk-based capital ratio | 13.7127% | 3,409 |
| Total risk-based capital ratio | 14.9687% | 3,307 |
| Memoranda: | ||
| Average total assets | $480,638,800 | 1,473 |
| Average earning assets | $447,620,400 | 1,462 |
| Average equity | $57,450,200 | 1,413 |
| Average total loans | $358,529,800 | 1,387 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 1,885 |
| Cost of funding earning assets | 1.1717% | 1,109 |
| Net interest margin | 3.7050% | 2,902 |
| Noninterest income to average assets | 0.9185% | 1,104 |
| Noninterest expense to average assets | 2.4658% | 3,520 |
| Loan and lease loss provision to assets | 0.1181% | 1,656 |
| Net operating income to assets | 1.7156% | 726 |
| Return on assets (ROA) | 1.7146% | 765 |
| Pretax return on assets | 1.7837% | 1,129 |
| Return on Equity (ROE) | 14.4651% | 897 |
| Retained earnings to average equity (ytd only) | 4.4912% | 3,148 |
| Net charge-offs to loans | 0.0859% | 1,620 |
| Credit loss provision to net charge-offs | 183.1897% | 1,413 |
| Earnings coverage of net charge-offs (x) | 29.5211% | 1,639 |
| Efficiency ratio | 56.4424% | 4,118 |
| Assets per employee ($millions) | 5.1451% | 2,401 |
| Cash dividends to net income (ytd only)* | 68.9516% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 494 |
| Loan loss allowance to noncurrent loans | 1,193.0626% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 4,119 |
| Noncurrent loans to loans | 0.1647% | 3,954 |
| Net loans and leases to total assets | 71.9692% | 2,179 |
| Net loans and leases to deposits | 87.1641% | 2,038 |
| Net loans and leases to core deposits | 92.6714% | 2,304 |
| Total domestic deposits to total assets | 82.5675% | 3,293 |
| Equity capital to assets | 12.0750% | 2,199 |
| Core capital (leverage) ratio | 10.8742% | 2,768 |
| Tier 1 risk-based capital ratio | 13.4376% | 3,605 |
| Total risk-based capital ratio | 14.6948% | 3,508 |
| Memoranda: | ||
| Average total assets | $479,877,250 | 1,484 |
| Average earning assets | $446,877,000 | 1,469 |
| Average equity | $56,880,250 | 1,424 |
| Average total loans | $359,952,250 | 1,395 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8550% | 1,894 |
| Cost of funding earning assets | 1.1912% | 1,018 |
| Net interest margin | 3.6638% | 3,053 |
| Noninterest income to average assets | 0.8777% | 1,129 |
| Noninterest expense to average assets | 2.4915% | 3,508 |
| Loan and lease loss provision to assets | 0.1132% | 1,661 |
| Net operating income to assets | 1.6192% | 868 |
| Return on assets (ROA) | 1.6196% | 907 |
| Pretax return on assets | 1.6850% | 1,302 |
| Return on Equity (ROE) | 13.7519% | 1,034 |
| Retained earnings to average equity (ytd only) | 3.9205% | 3,288 |
| Net charge-offs to loans | 0.1288% | 1,170 |
| Credit loss provision to net charge-offs | 116.3793% | 1,787 |
| Earnings coverage of net charge-offs (x) | 18.4784% | 1,861 |
| Efficiency ratio | 58.0856% | 3,998 |
| Assets per employee ($millions) | 4.8712% | 2,634 |
| Cash dividends to net income (ytd only)* | 71.4915% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 537 |
| Loan loss allowance to noncurrent loans | 1,191.0190% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,143 |
| Noncurrent loans to loans | 0.1620% | 3,969 |
| Net loans and leases to total assets | 73.4336% | 1,978 |
| Net loans and leases to deposits | 88.4490% | 1,948 |
| Net loans and leases to core deposits | 93.8556% | 2,253 |
| Total domestic deposits to total assets | 83.0236% | 3,198 |
| Equity capital to assets | 12.0895% | 2,122 |
| Core capital (leverage) ratio | 10.7364% | 2,856 |
| Tier 1 risk-based capital ratio | 13.2429% | 3,714 |
| Total risk-based capital ratio | 14.4997% | 3,619 |
| Memoranda: | ||
| Average total assets | $476,907,000 | 1,494 |
| Average earning assets | $444,077,330 | 1,483 |
| Average equity | $56,166,670 | 1,429 |
| Average total loans | $360,327,000 | 1,396 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 1,898 |
| Cost of funding earning assets | 1.1760% | 970 |
| Net interest margin | 3.6244% | 3,160 |
| Noninterest income to average assets | 0.8450% | 1,176 |
| Noninterest expense to average assets | 2.4445% | 3,643 |
| Loan and lease loss provision to assets | 0.1049% | 1,689 |
| Net operating income to assets | 1.6104% | 874 |
| Return on assets (ROA) | 1.6112% | 906 |
| Pretax return on assets | 1.6691% | 1,287 |
| Return on Equity (ROE) | 13.8644% | 997 |
| Retained earnings to average equity (ytd only) | 3.8416% | 3,383 |
| Net charge-offs to loans | 0.0011% | 2,723 |
| Credit loss provision to net charge-offs | 12,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,113.0000% | 15 |
| Efficiency ratio | 57.9586% | 4,081 |
| Assets per employee ($millions) | 5.0130% | 2,501 |
| Cash dividends to net income (ytd only)* | 72.2917% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 580 |
| Loan loss allowance to noncurrent loans | 2,109.3656% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,477 |
| Noncurrent loans to loans | 0.0909% | 4,343 |
| Net loans and leases to total assets | 74.2386% | 1,761 |
| Net loans and leases to deposits | 89.0466% | 1,746 |
| Net loans and leases to core deposits | 94.2610% | 2,098 |
| Total domestic deposits to total assets | 83.3705% | 3,265 |
| Equity capital to assets | 11.6803% | 2,251 |
| Core capital (leverage) ratio | 10.6985% | 2,850 |
| Tier 1 risk-based capital ratio | 12.8964% | 3,930 |
| Total risk-based capital ratio | 14.1531% | 3,825 |
| Memoranda: | ||
| Average total assets | $476,670,000 | 1,503 |
| Average earning assets | $443,546,000 | 1,498 |
| Average equity | $55,393,500 | 1,439 |
| Average total loans | $361,763,500 | 1,399 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,989 |
| Cost of funding earning assets | 0.9029% | 1,082 |
| Net interest margin | 3.7471% | 2,871 |
| Noninterest income to average assets | 0.9233% | 1,122 |
| Noninterest expense to average assets | 2.5687% | 3,417 |
| Loan and lease loss provision to assets | 0.1018% | 2,158 |
| Net operating income to assets | 1.6447% | 782 |
| Return on assets (ROA) | 1.6449% | 781 |
| Pretax return on assets | 1.7300% | 1,089 |
| Return on Equity (ROE) | 13.7863% | 1,104 |
| Retained earnings to average equity (ytd only) | 3.5844% | 3,611 |
| Net charge-offs to loans | -0.0593% | 5,024 |
| Credit loss provision to net charge-offs | -231.3131% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3762% | 4,103 |
| Assets per employee ($millions) | 4.8669% | 2,655 |
| Cash dividends to net income (ytd only)* | 74.0005% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 564 |
| Loan loss allowance to noncurrent loans | 3,102.7149% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,617 |
| Noncurrent loans to loans | 0.0615% | 4,473 |
| Net loans and leases to total assets | 74.6499% | 1,815 |
| Net loans and leases to deposits | 89.4301% | 1,873 |
| Net loans and leases to core deposits | 94.6515% | 2,172 |
| Total domestic deposits to total assets | 83.4730% | 3,166 |
| Equity capital to assets | 11.5604% | 2,210 |
| Core capital (leverage) ratio | 10.9386% | 2,585 |
| Tier 1 risk-based capital ratio | 12.9946% | 3,846 |
| Total risk-based capital ratio | 14.2514% | 3,737 |
| Memoranda: | ||
| Average total assets | $450,111,000 | 1,535 |
| Average earning assets | $417,651,800 | 1,533 |
| Average equity | $53,705,400 | 1,431 |
| Average total loans | $333,829,800 | 1,467 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 1,927 |
| Cost of funding earning assets | 0.8406% | 1,150 |
| Net interest margin | 3.7781% | 2,720 |
| Noninterest income to average assets | 0.9365% | 1,085 |
| Noninterest expense to average assets | 2.5813% | 3,341 |
| Loan and lease loss provision to assets | 0.0999% | 2,003 |
| Net operating income to assets | 1.6745% | 796 |
| Return on assets (ROA) | 1.6748% | 795 |
| Pretax return on assets | 1.7612% | 1,108 |
| Return on Equity (ROE) | 13.9218% | 1,143 |
| Retained earnings to average equity (ytd only) | 3.7216% | 3,913 |
| Net charge-offs to loans | -0.0802% | 5,094 |
| Credit loss provision to net charge-offs | -169.0355% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1111% | 4,106 |
| Assets per employee ($millions) | 4.6554% | 2,905 |
| Cash dividends to net income (ytd only)* | 73.2676% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 499 |
| Loan loss allowance to noncurrent loans | 3,890.7514% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,752 |
| Noncurrent loans to loans | 0.0510% | 4,665 |
| Net loans and leases to total assets | 74.4312% | 1,917 |
| Net loans and leases to deposits | 90.2617% | 1,862 |
| Net loans and leases to core deposits | 93.6777% | 2,319 |
| Total domestic deposits to total assets | 82.4616% | 3,474 |
| Equity capital to assets | 11.9647% | 1,930 |
| Core capital (leverage) ratio | 11.0655% | 2,515 |
| Tier 1 risk-based capital ratio | 13.5981% | 3,577 |
| Total risk-based capital ratio | 14.8555% | 3,475 |
| Memoranda: | ||
| Average total assets | $444,615,500 | 1,560 |
| Average earning assets | $412,540,500 | 1,558 |
| Average equity | $53,487,750 | 1,444 |
| Average total loans | $327,468,750 | 1,487 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,909 |
| Cost of funding earning assets | 0.7875% | 1,187 |
| Net interest margin | 3.7717% | 2,664 |
| Noninterest income to average assets | 0.9174% | 1,136 |
| Noninterest expense to average assets | 2.5865% | 3,371 |
| Loan and lease loss provision to assets | 0.1127% | 1,757 |
| Net operating income to assets | 1.6343% | 836 |
| Return on assets (ROA) | 1.6343% | 841 |
| Pretax return on assets | 1.7209% | 1,164 |
| Return on Equity (ROE) | 13.5607% | 1,192 |
| Retained earnings to average equity (ytd only) | 3.7126% | 3,744 |
| Net charge-offs to loans | -0.1199% | 5,213 |
| Credit loss provision to net charge-offs | -128.8660% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5177% | 4,152 |
| Assets per employee ($millions) | 4.9337% | 2,502 |
| Cash dividends to net income (ytd only)* | 72.6220% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 479 |
| Loan loss allowance to noncurrent loans | 4,003.0120% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,841 |
| Noncurrent loans to loans | 0.0511% | 4,687 |
| Net loans and leases to total assets | 70.8231% | 2,458 |
| Net loans and leases to deposits | 85.0572% | 2,425 |
| Net loans and leases to core deposits | 87.9605% | 2,723 |
| Total domestic deposits to total assets | 83.2653% | 3,339 |
| Equity capital to assets | 11.9170% | 1,913 |
| Core capital (leverage) ratio | 11.1377% | 2,400 |
| Tier 1 risk-based capital ratio | 14.0546% | 3,334 |
| Total risk-based capital ratio | 15.3127% | 3,246 |
| Memoranda: | ||
| Average total assets | $443,848,670 | 1,570 |
| Average earning assets | $412,180,330 | 1,566 |
| Average equity | $53,493,000 | 1,448 |
| Average total loans | $323,499,670 | 1,508 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,236 |
| Cost of funding earning assets | 0.7200% | 1,340 |
| Net interest margin | 3.6684% | 2,925 |
| Noninterest income to average assets | 0.8638% | 1,250 |
| Noninterest expense to average assets | 2.5081% | 3,617 |
| Loan and lease loss provision to assets | 0.1133% | 1,668 |
| Net operating income to assets | 1.5727% | 915 |
| Return on assets (ROA) | 1.5727% | 925 |
| Pretax return on assets | 1.6506% | 1,242 |
| Return on Equity (ROE) | 12.9749% | 1,267 |
| Retained earnings to average equity (ytd only) | 3.6270% | 3,752 |
| Net charge-offs to loans | -0.1201% | 5,268 |
| Credit loss provision to net charge-offs | -128.8660% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7100% | 4,265 |
| Assets per employee ($millions) | 4.7650% | 2,773 |
| Cash dividends to net income (ytd only)* | 72.0461% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0178% | 523 |
| Loan loss allowance to noncurrent loans | 319.5522% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 3,011 |
| Noncurrent loans to loans | 0.6314% | 2,652 |
| Net loans and leases to total assets | 70.3836% | 2,415 |
| Net loans and leases to deposits | 84.2017% | 2,369 |
| Net loans and leases to core deposits | 89.6336% | 2,478 |
| Total domestic deposits to total assets | 83.5893% | 3,470 |
| Equity capital to assets | 12.0004% | 1,787 |
| Core capital (leverage) ratio | 11.2301% | 2,224 |
| Tier 1 risk-based capital ratio | 14.2562% | 3,249 |
| Total risk-based capital ratio | 15.5143% | 3,163 |
| Memoranda: | ||
| Average total assets | $441,290,500 | 1,590 |
| Average earning assets | $409,984,500 | 1,584 |
| Average equity | $53,488,000 | 1,454 |
| Average total loans | $322,941,500 | 1,514 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 2,102 |
| Cost of funding earning assets | 0.6511% | 1,286 |
| Net interest margin | 3.7225% | 2,705 |
| Noninterest income to average assets | 0.8820% | 1,321 |
| Noninterest expense to average assets | 2.5911% | 3,471 |
| Loan and lease loss provision to assets | 0.0993% | 2,240 |
| Net operating income to assets | 1.5517% | 719 |
| Return on assets (ROA) | 1.5532% | 729 |
| Pretax return on assets | 1.6326% | 1,210 |
| Return on Equity (ROE) | 12.4139% | 1,100 |
| Retained earnings to average equity (ytd only) | 2.9074% | 3,568 |
| Net charge-offs to loans | 0.0428% | 2,934 |
| Credit loss provision to net charge-offs | 318.0451% | 901 |
| Earnings coverage of net charge-offs (x) | 55.4286% | 1,015 |
| Efficiency ratio | 59.6242% | 4,314 |
| Assets per employee ($millions) | 4.6749% | 2,906 |
| Cash dividends to net income (ytd only)* | 76.5790% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 654 |
| Loan loss allowance to noncurrent loans | 311.4515% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 3,043 |
| Noncurrent loans to loans | 0.6078% | 2,714 |
| Net loans and leases to total assets | 73.1295% | 2,075 |
| Net loans and leases to deposits | 88.1092% | 2,008 |
| Net loans and leases to core deposits | 93.7166% | 2,219 |
| Total domestic deposits to total assets | 82.9987% | 3,564 |
| Equity capital to assets | 12.2422% | 1,678 |
| Core capital (leverage) ratio | 11.1904% | 2,165 |
| Tier 1 risk-based capital ratio | 13.6257% | 3,558 |
| Total risk-based capital ratio | 14.8823% | 3,471 |
| Memoranda: | ||
| Average total assets | $426,079,800 | 1,621 |
| Average earning assets | $393,657,000 | 1,618 |
| Average equity | $53,311,400 | 1,445 |
| Average total loans | $310,807,400 | 1,528 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,096 |
| Cost of funding earning assets | 0.6426% | 1,289 |
| Net interest margin | 3.7111% | 2,713 |
| Noninterest income to average assets | 0.9087% | 1,246 |
| Noninterest expense to average assets | 2.5793% | 3,469 |
| Loan and lease loss provision to assets | 0.1019% | 2,074 |
| Net operating income to assets | 1.5683% | 771 |
| Return on assets (ROA) | 1.5703% | 783 |
| Pretax return on assets | 1.6574% | 1,225 |
| Return on Equity (ROE) | 12.4807% | 1,194 |
| Retained earnings to average equity (ytd only) | 2.6320% | 4,316 |
| Net charge-offs to loans | 0.0013% | 3,733 |
| Credit loss provision to net charge-offs | 10,766.6667% | 45 |
| Earnings coverage of net charge-offs (x) | 1,856.9525% | 41 |
| Efficiency ratio | 59.0734% | 4,342 |
| Assets per employee ($millions) | 4.6722% | 2,871 |
| Cash dividends to net income (ytd only)* | 78.9115% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 627 |
| Loan loss allowance to noncurrent loans | 289.1415% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 3,067 |
| Noncurrent loans to loans | 0.6747% | 2,683 |
| Net loans and leases to total assets | 72.8604% | 2,119 |
| Net loans and leases to deposits | 89.2310% | 1,900 |
| Net loans and leases to core deposits | 94.7440% | 2,200 |
| Total domestic deposits to total assets | 81.6536% | 3,878 |
| Equity capital to assets | 12.5872% | 1,612 |
| Core capital (leverage) ratio | 11.1662% | 2,307 |
| Tier 1 risk-based capital ratio | 13.8724% | 3,502 |
| Total risk-based capital ratio | 15.1296% | 3,430 |
| Memoranda: | ||
| Average total assets | $422,740,250 | 1,638 |
| Average earning assets | $390,463,250 | 1,639 |
| Average equity | $53,190,000 | 1,456 |
| Average total loans | $306,619,250 | 1,554 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 2,126 |
| Cost of funding earning assets | 0.5985% | 1,459 |
| Net interest margin | 3.7014% | 2,657 |
| Noninterest income to average assets | 0.8963% | 1,281 |
| Noninterest expense to average assets | 2.6291% | 3,345 |
| Loan and lease loss provision to assets | 0.1013% | 1,991 |
| Net operating income to assets | 1.4984% | 866 |
| Return on assets (ROA) | 1.5015% | 887 |
| Pretax return on assets | 1.5853% | 1,388 |
| Return on Equity (ROE) | 11.9353% | 1,321 |
| Retained earnings to average equity (ytd only) | 2.5225% | 4,174 |
| Net charge-offs to loans | -0.0026% | 4,210 |
| Credit loss provision to net charge-offs | -5,325.0000% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5583% | 4,231 |
| Assets per employee ($millions) | 4.6363% | 2,881 |
| Cash dividends to net income (ytd only)* | 78.8657% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 646 |
| Loan loss allowance to noncurrent loans | 305.6359% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 3,225 |
| Noncurrent loans to loans | 0.6412% | 2,810 |
| Net loans and leases to total assets | 71.8781% | 2,220 |
| Net loans and leases to deposits | 88.8976% | 1,875 |
| Net loans and leases to core deposits | 94.4452% | 2,113 |
| Total domestic deposits to total assets | 80.8549% | 4,219 |
| Equity capital to assets | 12.6388% | 1,550 |
| Core capital (leverage) ratio | 11.2666% | 2,160 |
| Tier 1 risk-based capital ratio | 13.9743% | 3,437 |
| Total risk-based capital ratio | 15.2316% | 3,353 |
| Memoranda: | ||
| Average total assets | $420,373,670 | 1,647 |
| Average earning assets | $387,959,330 | 1,650 |
| Average equity | $52,885,000 | 1,464 |
| Average total loans | $302,354,330 | 1,564 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,216 |
| Cost of funding earning assets | 0.5697% | 1,587 |
| Net interest margin | 3.6497% | 2,692 |
| Noninterest income to average assets | 0.8522% | 1,389 |
| Noninterest expense to average assets | 2.6351% | 3,363 |
| Loan and lease loss provision to assets | 0.0959% | 1,950 |
| Net operating income to assets | 1.4014% | 999 |
| Return on assets (ROA) | 1.4014% | 1,031 |
| Pretax return on assets | 1.4743% | 1,623 |
| Return on Equity (ROE) | 11.1662% | 1,512 |
| Retained earnings to average equity (ytd only) | 2.3066% | 4,218 |
| Net charge-offs to loans | -0.0040% | 4,123 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2293% | 4,120 |
| Assets per employee ($millions) | 4.6321% | 2,951 |
| Cash dividends to net income (ytd only)* | 79.3434% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0027% | 669 |
| Loan loss allowance to noncurrent loans | 270.2921% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 3,092 |
| Noncurrent loans to loans | 0.7409% | 2,641 |
| Net loans and leases to total assets | 69.8136% | 2,416 |
| Net loans and leases to deposits | 84.6430% | 2,204 |
| Net loans and leases to core deposits | 89.5421% | 2,392 |
| Total domestic deposits to total assets | 82.4800% | 4,026 |
| Equity capital to assets | 12.5144% | 1,520 |
| Core capital (leverage) ratio | 11.5048% | 1,942 |
| Tier 1 risk-based capital ratio | 14.3186% | 3,307 |
| Total risk-based capital ratio | 15.5759% | 3,217 |
| Memoranda: | ||
| Average total assets | $417,289,000 | 1,669 |
| Average earning assets | $383,375,500 | 1,680 |
| Average equity | $52,372,500 | 1,474 |
| Average total loans | $297,172,000 | 1,593 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,012 |
| Cost of funding earning assets | 0.5507% | 1,682 |
| Net interest margin | 3.7891% | 2,355 |
| Noninterest income to average assets | 0.9790% | 1,202 |
| Noninterest expense to average assets | 2.5697% | 3,779 |
| Loan and lease loss provision to assets | 0.0999% | 2,386 |
| Net operating income to assets | 1.7328% | 504 |
| Return on assets (ROA) | 1.7349% | 531 |
| Pretax return on assets | 1.8175% | 765 |
| Return on Equity (ROE) | 13.2506% | 936 |
| Retained earnings to average equity (ytd only) | 3.1285% | 3,681 |
| Net charge-offs to loans | -0.0083% | 4,899 |
| Credit loss provision to net charge-offs | -1,687.5000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8844% | 4,967 |
| Assets per employee ($millions) | 4.5895% | 2,978 |
| Cash dividends to net income (ytd only)* | 76.3895% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 644 |
| Loan loss allowance to noncurrent loans | 277.7726% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,205 |
| Noncurrent loans to loans | 0.7237% | 2,726 |
| Net loans and leases to total assets | 69.7579% | 2,522 |
| Net loans and leases to deposits | 84.7759% | 2,334 |
| Net loans and leases to core deposits | 89.4761% | 2,552 |
| Total domestic deposits to total assets | 82.2851% | 3,999 |
| Equity capital to assets | 12.5877% | 1,469 |
| Core capital (leverage) ratio | 11.4388% | 1,979 |
| Tier 1 risk-based capital ratio | 14.9604% | 2,981 |
| Total risk-based capital ratio | 16.2185% | 2,916 |
| Memoranda: | ||
| Average total assets | $405,496,800 | 1,660 |
| Average earning assets | $375,182,200 | 1,658 |
| Average equity | $53,091,800 | 1,448 |
| Average total loans | $287,671,800 | 1,572 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 1,936 |
| Cost of funding earning assets | 0.5464% | 1,735 |
| Net interest margin | 3.8271% | 2,237 |
| Noninterest income to average assets | 0.9752% | 1,200 |
| Noninterest expense to average assets | 2.5823% | 3,723 |
| Loan and lease loss provision to assets | 0.0941% | 2,343 |
| Net operating income to assets | 1.7464% | 543 |
| Return on assets (ROA) | 1.7492% | 569 |
| Pretax return on assets | 1.8463% | 811 |
| Return on Equity (ROE) | 13.2290% | 984 |
| Retained earnings to average equity (ytd only) | 3.7351% | 3,648 |
| Net charge-offs to loans | -0.0424% | 5,309 |
| Credit loss provision to net charge-offs | -313.1868% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7242% | 4,991 |
| Assets per employee ($millions) | 4.5805% | 2,953 |
| Cash dividends to net income (ytd only)* | 71.7659% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 696 |
| Loan loss allowance to noncurrent loans | 273.3551% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 3,331 |
| Noncurrent loans to loans | 0.7405% | 2,819 |
| Net loans and leases to total assets | 70.3394% | 2,447 |
| Net loans and leases to deposits | 87.0101% | 2,137 |
| Net loans and leases to core deposits | 92.9337% | 2,285 |
| Total domestic deposits to total assets | 80.8405% | 4,289 |
| Equity capital to assets | 13.5058% | 1,246 |
| Core capital (leverage) ratio | 11.5246% | 2,006 |
| Tier 1 risk-based capital ratio | 15.1676% | 2,967 |
| Total risk-based capital ratio | 16.4262% | 2,904 |
| Memoranda: | ||
| Average total assets | $403,607,500 | 1,670 |
| Average earning assets | $373,818,750 | 1,665 |
| Average equity | $53,366,250 | 1,448 |
| Average total loans | $286,077,500 | 1,584 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 1,989 |
| Cost of funding earning assets | 0.5396% | 1,782 |
| Net interest margin | 3.8086% | 2,286 |
| Noninterest income to average assets | 0.9376% | 1,269 |
| Noninterest expense to average assets | 2.5548% | 3,880 |
| Loan and lease loss provision to assets | 0.0916% | 2,317 |
| Net operating income to assets | 1.7229% | 556 |
| Return on assets (ROA) | 1.7262% | 581 |
| Pretax return on assets | 1.8223% | 841 |
| Return on Equity (ROE) | 13.1488% | 994 |
| Retained earnings to average equity (ytd only) | 3.6937% | 3,538 |
| Net charge-offs to loans | -0.0695% | 5,499 |
| Credit loss provision to net charge-offs | -186.8687% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8053% | 5,050 |
| Assets per employee ($millions) | 4.4839% | 3,062 |
| Cash dividends to net income (ytd only)* | 71.9082% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 714 |
| Loan loss allowance to noncurrent loans | 253.2279% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 3,326 |
| Noncurrent loans to loans | 0.7952% | 2,756 |
| Net loans and leases to total assets | 69.5225% | 2,548 |
| Net loans and leases to deposits | 86.6146% | 2,179 |
| Net loans and leases to core deposits | 92.5449% | 2,304 |
| Total domestic deposits to total assets | 80.2666% | 4,481 |
| Equity capital to assets | 13.4277% | 1,274 |
| Core capital (leverage) ratio | 11.4265% | 2,047 |
| Tier 1 risk-based capital ratio | 15.0922% | 3,038 |
| Total risk-based capital ratio | 16.3505% | 2,966 |
| Memoranda: | ||
| Average total assets | $403,783,330 | 1,674 |
| Average earning assets | $373,998,000 | 1,668 |
| Average equity | $53,008,670 | 1,460 |
| Average total loans | $284,976,000 | 1,596 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 2,309 |
| Cost of funding earning assets | 0.5430% | 1,770 |
| Net interest margin | 3.7057% | 2,649 |
| Noninterest income to average assets | 0.8418% | 1,467 |
| Noninterest expense to average assets | 2.5056% | 4,054 |
| Loan and lease loss provision to assets | 0.1109% | 1,876 |
| Net operating income to assets | 1.5747% | 742 |
| Return on assets (ROA) | 1.5756% | 776 |
| Pretax return on assets | 1.6598% | 1,157 |
| Return on Equity (ROE) | 12.1406% | 1,276 |
| Retained earnings to average equity (ytd only) | 2.9989% | 4,012 |
| Net charge-offs to loans | -0.0239% | 4,955 |
| Credit loss provision to net charge-offs | -658.8235% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1654% | 4,978 |
| Assets per employee ($millions) | 4.4528% | 3,156 |
| Cash dividends to net income (ytd only)* | 75.2986% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 837 |
| Loan loss allowance to noncurrent loans | 17,534.3750% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,434 |
| Noncurrent loans to loans | 0.0113% | 5,476 |
| Net loans and leases to total assets | 69.0814% | 2,484 |
| Net loans and leases to deposits | 85.3050% | 2,148 |
| Net loans and leases to core deposits | 89.9565% | 2,381 |
| Total domestic deposits to total assets | 80.9816% | 4,499 |
| Equity capital to assets | 13.2038% | 1,316 |
| Core capital (leverage) ratio | 11.4014% | 2,051 |
| Tier 1 risk-based capital ratio | 15.1068% | 3,102 |
| Total risk-based capital ratio | 16.3648% | 3,038 |
| Memoranda: | ||
| Average total assets | $403,898,000 | 1,668 |
| Average earning assets | $374,235,500 | 1,664 |
| Average equity | $52,419,000 | 1,472 |
| Average total loans | $284,300,500 | 1,594 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 1,905 |
| Cost of funding earning assets | 0.5857% | 1,464 |
| Net interest margin | 3.8139% | 2,325 |
| Noninterest income to average assets | 0.9394% | 1,342 |
| Noninterest expense to average assets | 2.4904% | 4,252 |
| Loan and lease loss provision to assets | 0.1253% | 1,921 |
| Net operating income to assets | 1.7516% | 528 |
| Return on assets (ROA) | 1.7554% | 542 |
| Pretax return on assets | 1.8554% | 716 |
| Return on Equity (ROE) | 13.6204% | 927 |
| Retained earnings to average equity (ytd only) | 4.0305% | 3,152 |
| Net charge-offs to loans | -0.0737% | 5,689 |
| Credit loss provision to net charge-offs | -243.9024% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3342% | 5,407 |
| Assets per employee ($millions) | 4.6787% | 2,759 |
| Cash dividends to net income (ytd only)* | 70.4085% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 929 |
| Loan loss allowance to noncurrent loans | 18,273.3333% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,681 |
| Noncurrent loans to loans | 0.0105% | 5,493 |
| Net loans and leases to total assets | 68.9515% | 2,553 |
| Net loans and leases to deposits | 85.1511% | 2,227 |
| Net loans and leases to core deposits | 89.6590% | 2,440 |
| Total domestic deposits to total assets | 80.9754% | 4,491 |
| Equity capital to assets | 12.7563% | 1,485 |
| Core capital (leverage) ratio | 11.2224% | 2,189 |
| Tier 1 risk-based capital ratio | 14.7246% | 3,316 |
| Total risk-based capital ratio | 15.9816% | 3,243 |
| Memoranda: | ||
| Average total assets | $398,887,400 | 1,651 |
| Average earning assets | $368,964,200 | 1,646 |
| Average equity | $51,408,000 | 1,444 |
| Average total loans | $278,283,000 | 1,574 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 1,841 |
| Cost of funding earning assets | 0.5949% | 1,438 |
| Net interest margin | 3.8279% | 2,274 |
| Noninterest income to average assets | 0.9414% | 1,339 |
| Noninterest expense to average assets | 2.4556% | 4,332 |
| Loan and lease loss provision to assets | 0.1260% | 1,799 |
| Net operating income to assets | 1.8007% | 522 |
| Return on assets (ROA) | 1.8059% | 534 |
| Pretax return on assets | 1.9060% | 708 |
| Return on Equity (ROE) | 13.9755% | 914 |
| Retained earnings to average equity (ytd only) | 5.0962% | 2,848 |
| Net charge-offs to loans | -0.0815% | 5,718 |
| Credit loss provision to net charge-offs | -221.8935% | 5,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3662% | 5,483 |
| Assets per employee ($millions) | 4.5257% | 2,962 |
| Cash dividends to net income (ytd only)* | 63.5349% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 1,128 |
| Loan loss allowance to noncurrent loans | 3,912.5000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,654 |
| Noncurrent loans to loans | 0.0479% | 5,422 |
| Net loans and leases to total assets | 70.7126% | 2,281 |
| Net loans and leases to deposits | 88.4160% | 1,846 |
| Net loans and leases to core deposits | 94.1725% | 2,059 |
| Total domestic deposits to total assets | 79.9771% | 4,760 |
| Equity capital to assets | 13.2291% | 1,339 |
| Core capital (leverage) ratio | 11.2908% | 2,207 |
| Tier 1 risk-based capital ratio | 14.8601% | 3,363 |
| Total risk-based capital ratio | 16.1169% | 3,306 |
| Memoranda: | ||
| Average total assets | $396,847,500 | 1,675 |
| Average earning assets | $367,087,250 | 1,665 |
| Average equity | $51,279,000 | 1,451 |
| Average total loans | $276,317,000 | 1,591 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 1,879 |
| Cost of funding earning assets | 0.5964% | 1,443 |
| Net interest margin | 3.7951% | 2,334 |
| Noninterest income to average assets | 0.9495% | 1,303 |
| Noninterest expense to average assets | 2.4384% | 4,437 |
| Loan and lease loss provision to assets | 0.1257% | 1,761 |
| Net operating income to assets | 1.7943% | 524 |
| Return on assets (ROA) | 1.7995% | 540 |
| Pretax return on assets | 1.9031% | 729 |
| Return on Equity (ROE) | 14.0366% | 897 |
| Retained earnings to average equity (ytd only) | 5.5480% | 2,510 |
| Net charge-offs to loans | -0.1220% | 5,855 |
| Credit loss provision to net charge-offs | -149.7006% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2361% | 5,563 |
| Assets per employee ($millions) | 4.6304% | 2,778 |
| Cash dividends to net income (ytd only)* | 60.4749% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8482% | 1,270 |
| Loan loss allowance to noncurrent loans | 4,155.2000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,742 |
| Noncurrent loans to loans | 0.0445% | 5,568 |
| Net loans and leases to total assets | 70.0826% | 2,298 |
| Net loans and leases to deposits | 87.9447% | 1,845 |
| Net loans and leases to core deposits | 93.3562% | 2,020 |
| Total domestic deposits to total assets | 79.6895% | 4,933 |
| Equity capital to assets | 12.9731% | 1,420 |
| Core capital (leverage) ratio | 11.0644% | 2,364 |
| Tier 1 risk-based capital ratio | 14.8562% | 3,444 |
| Total risk-based capital ratio | 16.1126% | 3,370 |
| Memoranda: | ||
| Average total assets | $397,883,670 | 1,683 |
| Average earning assets | $368,212,330 | 1,668 |
| Average equity | $51,009,330 | 1,467 |
| Average total loans | $273,841,330 | 1,609 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,081 |
| Cost of funding earning assets | 0.5935% | 1,480 |
| Net interest margin | 3.7123% | 2,576 |
| Noninterest income to average assets | 0.8849% | 1,437 |
| Noninterest expense to average assets | 2.5438% | 4,123 |
| Loan and lease loss provision to assets | 0.1250% | 1,660 |
| Net operating income to assets | 1.5719% | 747 |
| Return on assets (ROA) | 1.5719% | 782 |
| Pretax return on assets | 1.6499% | 1,155 |
| Return on Equity (ROE) | 12.3333% | 1,262 |
| Retained earnings to average equity (ytd only) | 4.0719% | 3,561 |
| Net charge-offs to loans | -0.0666% | 5,668 |
| Credit loss provision to net charge-offs | -277.7778% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4626% | 5,288 |
| Assets per employee ($millions) | 4.9209% | 2,461 |
| Cash dividends to net income (ytd only)* | 66.9847% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 1,416 |
| Loan loss allowance to noncurrent loans | 940.4943% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 5,436 |
| Noncurrent loans to loans | 0.1953% | 5,080 |
| Net loans and leases to total assets | 65.5055% | 2,849 |
| Net loans and leases to deposits | 81.5949% | 2,384 |
| Net loans and leases to core deposits | 86.8296% | 2,456 |
| Total domestic deposits to total assets | 80.2813% | 4,998 |
| Equity capital to assets | 12.7601% | 1,534 |
| Core capital (leverage) ratio | 10.8293% | 2,594 |
| Tier 1 risk-based capital ratio | 14.9794% | 3,448 |
| Total risk-based capital ratio | 16.2351% | 3,372 |
| Memoranda: | ||
| Average total assets | $400,033,500 | 1,674 |
| Average earning assets | $370,017,500 | 1,670 |
| Average equity | $50,984,000 | 1,476 |
| Average total loans | $270,248,000 | 1,623 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 1,814 |
| Cost of funding earning assets | 0.6176% | 1,623 |
| Net interest margin | 3.8960% | 2,258 |
| Noninterest income to average assets | 0.8191% | 1,798 |
| Noninterest expense to average assets | 2.3196% | 5,060 |
| Loan and lease loss provision to assets | 0.1062% | 2,376 |
| Net operating income to assets | 1.9015% | 389 |
| Return on assets (ROA) | 1.9071% | 399 |
| Pretax return on assets | 1.9982% | 515 |
| Return on Equity (ROE) | 15.2152% | 744 |
| Retained earnings to average equity (ytd only) | 6.2725% | 1,770 |
| Net charge-offs to loans | 0.0426% | 3,966 |
| Credit loss provision to net charge-offs | 353.9823% | 744 |
| Earnings coverage of net charge-offs (x) | 69.9204% | 707 |
| Efficiency ratio | 52.0560% | 5,980 |
| Assets per employee ($millions) | 4.8360% | 2,550 |
| Cash dividends to net income (ytd only)* | 58.7744% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 1,626 |
| Loan loss allowance to noncurrent loans | 1,140.0955% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,614 |
| Noncurrent loans to loans | 0.1545% | 5,278 |
| Net loans and leases to total assets | 67.1911% | 2,695 |
| Net loans and leases to deposits | 83.5236% | 2,273 |
| Net loans and leases to core deposits | 88.8915% | 2,396 |
| Total domestic deposits to total assets | 80.4456% | 4,895 |
| Equity capital to assets | 12.7295% | 1,517 |
| Core capital (leverage) ratio | 11.0225% | 2,392 |
| Tier 1 risk-based capital ratio | 13.8934% | 4,168 |
| Total risk-based capital ratio | 15.1476% | 4,104 |
| Memoranda: | ||
| Average total assets | $376,491,200 | 1,734 |
| Average earning assets | $347,790,200 | 1,720 |
| Average equity | $47,189,800 | 1,530 |
| Average total loans | $265,026,000 | 1,599 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,723 |
| Cost of funding earning assets | 0.6209% | 1,667 |
| Net interest margin | 3.9222% | 2,151 |
| Noninterest income to average assets | 0.7946% | 1,917 |
| Noninterest expense to average assets | 2.4216% | 4,756 |
| Loan and lease loss provision to assets | 0.0897% | 2,560 |
| Net operating income to assets | 1.8140% | 503 |
| Return on assets (ROA) | 1.8215% | 511 |
| Pretax return on assets | 1.9166% | 692 |
| Return on Equity (ROE) | 14.5932% | 892 |
| Retained earnings to average equity (ytd only) | 5.5469% | 2,712 |
| Net charge-offs to loans | -0.0147% | 5,532 |
| Credit loss provision to net charge-offs | -862.0690% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3321% | 5,794 |
| Assets per employee ($millions) | 4.6373% | 2,752 |
| Cash dividends to net income (ytd only)* | 61.9901% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 1,746 |
| Loan loss allowance to noncurrent loans | 1,248.4293% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 5,760 |
| Noncurrent loans to loans | 0.1422% | 5,492 |
| Net loans and leases to total assets | 70.2323% | 2,159 |
| Net loans and leases to deposits | 87.1516% | 1,770 |
| Net loans and leases to core deposits | 92.7428% | 1,975 |
| Total domestic deposits to total assets | 80.5864% | 4,943 |
| Equity capital to assets | 12.7475% | 1,559 |
| Core capital (leverage) ratio | 10.7097% | 2,809 |
| Tier 1 risk-based capital ratio | 13.3074% | 4,668 |
| Total risk-based capital ratio | 14.5619% | 4,603 |
| Memoranda: | ||
| Average total assets | $371,476,250 | 1,770 |
| Average earning assets | $343,367,000 | 1,750 |
| Average equity | $46,367,500 | 1,558 |
| Average total loans | $263,476,500 | 1,615 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,744 |
| Cost of funding earning assets | 0.6205% | 1,728 |
| Net interest margin | 3.9071% | 2,134 |
| Noninterest income to average assets | 0.7582% | 2,012 |
| Noninterest expense to average assets | 2.4821% | 4,640 |
| Loan and lease loss provision to assets | 0.1189% | 2,063 |
| Net operating income to assets | 1.6748% | 608 |
| Return on assets (ROA) | 1.6861% | 626 |
| Pretax return on assets | 1.7758% | 885 |
| Return on Equity (ROE) | 13.6058% | 1,029 |
| Retained earnings to average equity (ytd only) | 4.6879% | 3,161 |
| Net charge-offs to loans | -0.0260% | 5,635 |
| Credit loss provision to net charge-offs | -647.0588% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4071% | 5,703 |
| Assets per employee ($millions) | 4.6741% | 2,660 |
| Cash dividends to net income (ytd only)* | 65.5449% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 1,879 |
| Loan loss allowance to noncurrent loans | 7,412.5000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 6,182 |
| Noncurrent loans to loans | 0.0241% | 5,998 |
| Net loans and leases to total assets | 69.8113% | 2,120 |
| Net loans and leases to deposits | 86.8377% | 1,734 |
| Net loans and leases to core deposits | 92.1049% | 1,933 |
| Total domestic deposits to total assets | 80.3929% | 5,156 |
| Equity capital to assets | 12.5648% | 1,606 |
| Core capital (leverage) ratio | 10.5204% | 2,921 |
| Tier 1 risk-based capital ratio | 13.1980% | 4,789 |
| Total risk-based capital ratio | 14.4524% | 4,717 |
| Memoranda: | ||
| Average total assets | $370,095,330 | 1,774 |
| Average earning assets | $341,636,670 | 1,756 |
| Average equity | $45,862,670 | 1,563 |
| Average total loans | $261,777,000 | 1,626 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,910 |
| Cost of funding earning assets | 0.6151% | 1,855 |
| Net interest margin | 3.8529% | 2,262 |
| Noninterest income to average assets | 0.6888% | 2,230 |
| Noninterest expense to average assets | 2.6607% | 4,076 |
| Loan and lease loss provision to assets | 0.1630% | 1,491 |
| Net operating income to assets | 1.3419% | 1,118 |
| Return on assets (ROA) | 1.3450% | 1,155 |
| Pretax return on assets | 1.4341% | 1,625 |
| Return on Equity (ROE) | 10.9310% | 1,707 |
| Retained earnings to average equity (ytd only) | 3.2581% | 4,164 |
| Net charge-offs to loans | -0.0262% | 5,487 |
| Credit loss provision to net charge-offs | -882.3529% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0531% | 5,108 |
| Assets per employee ($millions) | 4.5288% | 2,928 |
| Cash dividends to net income (ytd only)* | 70.1939% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,097 |
| Loan loss allowance to noncurrent loans | 2,723.3918% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 6,146 |
| Noncurrent loans to loans | 0.0654% | 5,948 |
| Net loans and leases to total assets | 69.1326% | 2,042 |
| Net loans and leases to deposits | 84.8167% | 1,740 |
| Net loans and leases to core deposits | 89.8814% | 1,918 |
| Total domestic deposits to total assets | 81.5082% | 5,089 |
| Equity capital to assets | 12.2983% | 1,689 |
| Core capital (leverage) ratio | 10.5167% | 2,905 |
| Tier 1 risk-based capital ratio | 12.9215% | 5,041 |
| Total risk-based capital ratio | 14.1755% | 4,984 |
| Memoranda: | ||
| Average total assets | $368,180,500 | 1,786 |
| Average earning assets | $340,730,000 | 1,767 |
| Average equity | $45,302,500 | 1,573 |
| Average total loans | $259,772,500 | 1,636 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,676 |
| Cost of funding earning assets | 0.6660% | 2,063 |
| Net interest margin | 3.9972% | 1,952 |
| Noninterest income to average assets | 0.8837% | 1,739 |
| Noninterest expense to average assets | 2.4508% | 4,928 |
| Loan and lease loss provision to assets | 0.2273% | 1,602 |
| Net operating income to assets | 1.7878% | 496 |
| Return on assets (ROA) | 1.8006% | 495 |
| Pretax return on assets | 1.8919% | 611 |
| Return on Equity (ROE) | 14.3019% | 888 |
| Retained earnings to average equity (ytd only) | 5.6751% | 2,170 |
| Net charge-offs to loans | -0.0122% | 6,053 |
| Credit loss provision to net charge-offs | -2,713.3333% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3272% | 6,192 |
| Assets per employee ($millions) | 4.6795% | 2,617 |
| Cash dividends to net income (ytd only)* | 60.3194% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 2,270 |
| Loan loss allowance to noncurrent loans | 4,157.4074% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,293 |
| Noncurrent loans to loans | 0.0418% | 6,117 |
| Net loans and leases to total assets | 69.4977% | 2,095 |
| Net loans and leases to deposits | 85.3090% | 1,772 |
| Net loans and leases to core deposits | 89.9337% | 2,036 |
| Total domestic deposits to total assets | 81.4659% | 5,048 |
| Equity capital to assets | 12.3106% | 1,621 |
| Core capital (leverage) ratio | 10.5703% | 2,821 |
| Tier 1 risk-based capital ratio | 12.9524% | 5,006 |
| Total risk-based capital ratio | 14.2061% | 4,960 |
| Memoranda: | ||
| Average total assets | $358,163,000 | 1,806 |
| Average earning assets | $329,105,000 | 1,802 |
| Average equity | $45,092,000 | 1,549 |
| Average total loans | $244,918,400 | 1,696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 1,651 |
| Cost of funding earning assets | 0.6740% | 2,145 |
| Net interest margin | 4.0059% | 1,926 |
| Noninterest income to average assets | 0.9224% | 1,683 |
| Noninterest expense to average assets | 2.4773% | 4,794 |
| Loan and lease loss provision to assets | 0.2480% | 1,442 |
| Net operating income to assets | 1.7711% | 560 |
| Return on assets (ROA) | 1.7790% | 571 |
| Pretax return on assets | 1.8800% | 742 |
| Return on Equity (ROE) | 14.0504% | 986 |
| Retained earnings to average equity (ytd only) | 5.9853% | 2,420 |
| Net charge-offs to loans | -0.0160% | 5,997 |
| Credit loss provision to net charge-offs | -2,286.2069% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4337% | 6,151 |
| Assets per employee ($millions) | 4.5974% | 2,723 |
| Cash dividends to net income (ytd only)* | 57.4012% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 2,493 |
| Loan loss allowance to noncurrent loans | 3,389.0625% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 6,366 |
| Noncurrent loans to loans | 0.0513% | 6,191 |
| Net loans and leases to total assets | 68.3429% | 2,249 |
| Net loans and leases to deposits | 84.4082% | 1,829 |
| Net loans and leases to core deposits | 88.9480% | 2,081 |
| Total domestic deposits to total assets | 80.9672% | 5,222 |
| Equity capital to assets | 12.4709% | 1,597 |
| Core capital (leverage) ratio | 10.5297% | 2,973 |
| Tier 1 risk-based capital ratio | 13.1788% | 4,995 |
| Total risk-based capital ratio | 14.4325% | 4,937 |
| Memoranda: | ||
| Average total assets | $356,453,250 | 1,826 |
| Average earning assets | $326,973,500 | 1,824 |
| Average equity | $45,131,500 | 1,565 |
| Average total loans | $241,608,500 | 1,713 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,606 |
| Cost of funding earning assets | 0.6785% | 2,235 |
| Net interest margin | 4.0080% | 1,830 |
| Noninterest income to average assets | 0.9316% | 1,714 |
| Noninterest expense to average assets | 2.5305% | 4,624 |
| Loan and lease loss provision to assets | 0.2462% | 1,516 |
| Net operating income to assets | 1.7378% | 587 |
| Return on assets (ROA) | 1.7496% | 617 |
| Pretax return on assets | 1.8469% | 826 |
| Return on Equity (ROE) | 13.7490% | 1,062 |
| Retained earnings to average equity (ytd only) | 5.7081% | 2,605 |
| Net charge-offs to loans | -0.0033% | 5,582 |
| Credit loss provision to net charge-offs | -10,950.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4257% | 6,112 |
| Assets per employee ($millions) | 4.3945% | 3,000 |
| Cash dividends to net income (ytd only)* | 58.4833% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 2,911 |
| Loan loss allowance to noncurrent loans | 3,005.8824% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,394 |
| Noncurrent loans to loans | 0.0554% | 6,225 |
| Net loans and leases to total assets | 67.7566% | 2,296 |
| Net loans and leases to deposits | 83.7390% | 1,832 |
| Net loans and leases to core deposits | 88.4717% | 2,062 |
| Total domestic deposits to total assets | 80.9140% | 5,361 |
| Equity capital to assets | 12.4772% | 1,589 |
| Core capital (leverage) ratio | 10.3875% | 3,001 |
| Tier 1 risk-based capital ratio | 13.1634% | 5,024 |
| Total risk-based capital ratio | 14.4163% | 4,959 |
| Memoranda: | ||
| Average total assets | $355,739,000 | 1,834 |
| Average earning assets | $326,595,670 | 1,833 |
| Average equity | $45,268,670 | 1,564 |
| Average total loans | $239,007,000 | 1,732 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,796 |
| Cost of funding earning assets | 0.6880% | 2,321 |
| Net interest margin | 3.9232% | 2,041 |
| Noninterest income to average assets | 0.8942% | 1,779 |
| Noninterest expense to average assets | 2.4992% | 4,757 |
| Loan and lease loss provision to assets | 0.2396% | 1,517 |
| Net operating income to assets | 1.6636% | 633 |
| Return on assets (ROA) | 1.6658% | 696 |
| Pretax return on assets | 1.7557% | 962 |
| Return on Equity (ROE) | 12.9638% | 1,181 |
| Retained earnings to average equity (ytd only) | 4.9982% | 3,232 |
| Net charge-offs to loans | -0.0170% | 5,644 |
| Credit loss provision to net charge-offs | -2,130.0000% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1577% | 6,139 |
| Assets per employee ($millions) | 4.3071% | 3,323 |
| Cash dividends to net income (ytd only)* | 61.4450% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 3,279 |
| Loan loss allowance to noncurrent loans | 1,689.5197% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,408 |
| Noncurrent loans to loans | 0.0964% | 6,188 |
| Net loans and leases to total assets | 66.1663% | 2,347 |
| Net loans and leases to deposits | 81.3940% | 1,909 |
| Net loans and leases to core deposits | 85.3633% | 2,172 |
| Total domestic deposits to total assets | 81.2913% | 5,422 |
| Equity capital to assets | 12.9324% | 1,461 |
| Core capital (leverage) ratio | 10.3314% | 2,995 |
| Tier 1 risk-based capital ratio | 12.9734% | 5,243 |
| Total risk-based capital ratio | 14.2254% | 5,190 |
| Memoranda: | ||
| Average total assets | $355,632,500 | 1,861 |
| Average earning assets | $326,159,500 | 1,854 |
| Average equity | $45,696,500 | 1,569 |
| Average total loans | $235,876,000 | 1,755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 1,772 |
| Cost of funding earning assets | 0.8264% | 2,449 |
| Net interest margin | 4.0948% | 2,023 |
| Noninterest income to average assets | 1.0184% | 1,487 |
| Noninterest expense to average assets | 2.5714% | 4,851 |
| Loan and lease loss provision to assets | 0.3216% | 2,120 |
| Net operating income to assets | 1.7905% | 517 |
| Return on assets (ROA) | 1.8255% | 555 |
| Pretax return on assets | 1.9190% | 716 |
| Return on Equity (ROE) | 14.1962% | 956 |
| Retained earnings to average equity (ytd only) | 5.8054% | 2,193 |
| Net charge-offs to loans | 0.2993% | 3,147 |
| Credit loss provision to net charge-offs | 168.7117% | 1,568 |
| Earnings coverage of net charge-offs (x) | 11.5598% | 2,016 |
| Efficiency ratio | 53.3893% | 6,334 |
| Assets per employee ($millions) | 4.3142% | 3,317 |
| Cash dividends to net income (ytd only)* | 59.1062% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 3,493 |
| Loan loss allowance to noncurrent loans | 466.8374% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 5,979 |
| Noncurrent loans to loans | 0.3335% | 5,655 |
| Net loans and leases to total assets | 64.3844% | 2,828 |
| Net loans and leases to deposits | 78.9051% | 2,411 |
| Net loans and leases to core deposits | 82.0889% | 2,757 |
| Total domestic deposits to total assets | 81.5972% | 5,228 |
| Equity capital to assets | 12.7675% | 1,556 |
| Core capital (leverage) ratio | 10.2805% | 3,035 |
| Tier 1 risk-based capital ratio | 12.8064% | 5,249 |
| Total risk-based capital ratio | 14.0573% | 5,184 |
| Memoranda: | ||
| Average total assets | $341,997,800 | 1,894 |
| Average earning assets | $313,766,600 | 1,889 |
| Average equity | $43,976,600 | 1,586 |
| Average total loans | $217,815,000 | 1,857 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 2,132 |
| Cost of funding earning assets | 0.8603% | 2,458 |
| Net interest margin | 4.0063% | 2,483 |
| Noninterest income to average assets | 1.0028% | 1,489 |
| Noninterest expense to average assets | 2.5899% | 4,775 |
| Loan and lease loss provision to assets | 0.3255% | 2,017 |
| Net operating income to assets | 1.6804% | 719 |
| Return on assets (ROA) | 1.7153% | 730 |
| Pretax return on assets | 1.8095% | 1,024 |
| Return on Equity (ROE) | 13.3142% | 1,265 |
| Retained earnings to average equity (ytd only) | 4.5718% | 3,684 |
| Net charge-offs to loans | 0.4461% | 2,323 |
| Credit loss provision to net charge-offs | 115.3846% | 2,521 |
| Earnings coverage of net charge-offs (x) | 7.4392% | 2,605 |
| Efficiency ratio | 54.7711% | 6,167 |
| Assets per employee ($millions) | 4.1016% | 3,676 |
| Cash dividends to net income (ytd only)* | 65.6623% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 3,812 |
| Loan loss allowance to noncurrent loans | 229.7222% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 5,016 |
| Noncurrent loans to loans | 0.6666% | 5,113 |
| Net loans and leases to total assets | 63.2458% | 3,168 |
| Net loans and leases to deposits | 78.9877% | 2,532 |
| Net loans and leases to core deposits | 81.8507% | 2,982 |
| Total domestic deposits to total assets | 80.0704% | 5,634 |
| Equity capital to assets | 13.3085% | 1,432 |
| Core capital (leverage) ratio | 10.3184% | 3,141 |
| Tier 1 risk-based capital ratio | 13.2227% | 5,083 |
| Total risk-based capital ratio | 14.4734% | 5,044 |
| Memoranda: | ||
| Average total assets | $337,976,750 | 1,930 |
| Average earning assets | $310,905,500 | 1,921 |
| Average equity | $43,541,250 | 1,618 |
| Average total loans | $213,720,000 | 1,920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 2,213 |
| Cost of funding earning assets | 0.8981% | 2,413 |
| Net interest margin | 3.9757% | 2,610 |
| Noninterest income to average assets | 0.9949% | 1,482 |
| Noninterest expense to average assets | 2.4672% | 5,242 |
| Loan and lease loss provision to assets | 0.3249% | 2,025 |
| Net operating income to assets | 1.7693% | 593 |
| Return on assets (ROA) | 1.8008% | 630 |
| Pretax return on assets | 1.9000% | 844 |
| Return on Equity (ROE) | 14.1325% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.1142% | 3,213 |
| Net charge-offs to loans | 0.1174% | 3,998 |
| Credit loss provision to net charge-offs | 440.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 29.6800% | 1,081 |
| Efficiency ratio | 52.4854% | 6,460 |
| Assets per employee ($millions) | 4.2290% | 3,405 |
| Cash dividends to net income (ytd only)* | 63.8123% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 3,229 |
| Loan loss allowance to noncurrent loans | 197.6541% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 4,707 |
| Noncurrent loans to loans | 0.8597% | 4,787 |
| Net loans and leases to total assets | 62.7309% | 3,282 |
| Net loans and leases to deposits | 78.6811% | 2,566 |
| Net loans and leases to core deposits | 80.8489% | 3,108 |
| Total domestic deposits to total assets | 79.7280% | 5,810 |
| Equity capital to assets | 13.2015% | 1,430 |
| Core capital (leverage) ratio | 10.0221% | 3,398 |
| Tier 1 risk-based capital ratio | 13.2382% | 5,010 |
| Total risk-based capital ratio | 14.4906% | 4,982 |
| Memoranda: | ||
| Average total assets | $338,524,330 | 1,922 |
| Average earning assets | $311,998,670 | 1,918 |
| Average equity | $43,134,670 | 1,620 |
| Average total loans | $212,951,670 | 1,920 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 2,312 |
| Cost of funding earning assets | 0.9398% | 2,380 |
| Net interest margin | 3.9429% | 2,756 |
| Noninterest income to average assets | 0.9450% | 1,581 |
| Noninterest expense to average assets | 2.5627% | 4,949 |
| Loan and lease loss provision to assets | 0.3228% | 1,946 |
| Net operating income to assets | 1.6130% | 844 |
| Return on assets (ROA) | 1.6130% | 945 |
| Pretax return on assets | 1.6893% | 1,329 |
| Return on Equity (ROE) | 12.8864% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.1173% | 4,122 |
| Net charge-offs to loans | 0.1109% | 3,463 |
| Credit loss provision to net charge-offs | 466.1017% | 693 |
| Earnings coverage of net charge-offs (x) | 29.0508% | 946 |
| Efficiency ratio | 55.5299% | 6,175 |
| Assets per employee ($millions) | 4.4553% | 3,076 |
| Cash dividends to net income (ytd only)* | 68.0495% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,678 |
| Loan loss allowance to noncurrent loans | 186.3537% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 4,930 |
| Noncurrent loans to loans | 0.8650% | 4,940 |
| Net loans and leases to total assets | 60.7441% | 3,503 |
| Net loans and leases to deposits | 75.7608% | 2,833 |
| Net loans and leases to core deposits | 77.8877% | 3,345 |
| Total domestic deposits to total assets | 80.1788% | 5,815 |
| Equity capital to assets | 12.4933% | 1,727 |
| Core capital (leverage) ratio | 9.8121% | 3,626 |
| Tier 1 risk-based capital ratio | 12.9037% | 5,280 |
| Total risk-based capital ratio | 14.1550% | 5,254 |
| Memoranda: | ||
| Average total assets | $340,740,500 | 1,925 |
| Average earning assets | $313,677,500 | 1,906 |
| Average equity | $42,649,500 | 1,632 |
| Average total loans | $212,826,500 | 1,928 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 2,100 |
| Cost of funding earning assets | 1.1822% | 2,151 |
| Net interest margin | 4.0091% | 2,839 |
| Noninterest income to average assets | 0.8267% | 1,940 |
| Noninterest expense to average assets | 2.4314% | 5,695 |
| Loan and lease loss provision to assets | 0.5256% | 1,991 |
| Net operating income to assets | 1.4897% | 847 |
| Return on assets (ROA) | 1.6451% | 654 |
| Pretax return on assets | 1.7113% | 964 |
| Return on Equity (ROE) | 13.7803% | 986 |
| Retained earnings to average equity (ytd only) | 4.7161% | 2,843 |
| Net charge-offs to loans | 1.1852% | 1,423 |
| Credit loss provision to net charge-offs | 69.7125% | 4,859 |
| Earnings coverage of net charge-offs (x) | 2.7523% | 3,844 |
| Efficiency ratio | 53.4660% | 6,566 |
| Assets per employee ($millions) | 4.2838% | 3,292 |
| Cash dividends to net income (ytd only)* | 65.7762% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 4,049 |
| Loan loss allowance to noncurrent loans | 153.3078% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 4,831 |
| Noncurrent loans to loans | 0.9754% | 4,757 |
| Net loans and leases to total assets | 62.2456% | 3,553 |
| Net loans and leases to deposits | 76.8678% | 3,027 |
| Net loans and leases to core deposits | 79.6580% | 3,490 |
| Total domestic deposits to total assets | 80.9774% | 5,455 |
| Equity capital to assets | 12.5405% | 1,776 |
| Core capital (leverage) ratio | 9.8062% | 3,594 |
| Tier 1 risk-based capital ratio | 12.7254% | 5,290 |
| Total risk-based capital ratio | 13.9756% | 5,267 |
| Memoranda: | ||
| Average total assets | $336,759,600 | 1,921 |
| Average earning assets | $309,095,000 | 1,900 |
| Average equity | $40,202,400 | 1,679 |
| Average total loans | $214,228,800 | 1,919 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 2,121 |
| Cost of funding earning assets | 1.2273% | 2,145 |
| Net interest margin | 3.9953% | 2,930 |
| Noninterest income to average assets | 0.8182% | 1,968 |
| Noninterest expense to average assets | 2.4593% | 5,598 |
| Loan and lease loss provision to assets | 0.3211% | 2,969 |
| Net operating income to assets | 1.6309% | 735 |
| Return on assets (ROA) | 1.8322% | 530 |
| Pretax return on assets | 1.9151% | 751 |
| Return on Equity (ROE) | 15.5450% | 741 |
| Retained earnings to average equity (ytd only) | 5.5897% | 2,801 |
| Net charge-offs to loans | 0.7932% | 1,973 |
| Credit loss provision to net charge-offs | 63.5294% | 4,687 |
| Earnings coverage of net charge-offs (x) | 4.0094% | 3,217 |
| Efficiency ratio | 54.3302% | 6,450 |
| Assets per employee ($millions) | 4.3610% | 3,157 |
| Cash dividends to net income (ytd only)* | 64.0416% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 3,582 |
| Loan loss allowance to noncurrent loans | 157.9612% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 4,726 |
| Noncurrent loans to loans | 1.0243% | 4,847 |
| Net loans and leases to total assets | 63.4108% | 3,428 |
| Net loans and leases to deposits | 78.8373% | 2,839 |
| Net loans and leases to core deposits | 82.5932% | 3,244 |
| Total domestic deposits to total assets | 80.4325% | 5,614 |
| Equity capital to assets | 12.5755% | 1,867 |
| Core capital (leverage) ratio | 9.7072% | 3,838 |
| Tier 1 risk-based capital ratio | 12.4629% | 5,522 |
| Total risk-based capital ratio | 13.7141% | 5,514 |
| Memoranda: | ||
| Average total assets | $336,343,500 | 1,928 |
| Average earning assets | $308,753,000 | 1,914 |
| Average equity | $39,643,000 | 1,703 |
| Average total loans | $214,323,000 | 1,934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 2,131 |
| Cost of funding earning assets | 1.2655% | 2,149 |
| Net interest margin | 3.9675% | 3,001 |
| Noninterest income to average assets | 0.7643% | 2,184 |
| Noninterest expense to average assets | 2.4610% | 5,663 |
| Loan and lease loss provision to assets | 0.2615% | 3,307 |
| Net operating income to assets | 1.6126% | 711 |
| Return on assets (ROA) | 1.6177% | 749 |
| Pretax return on assets | 1.6878% | 1,080 |
| Return on Equity (ROE) | 14.0377% | 971 |
| Retained earnings to average equity (ytd only) | 4.6517% | 3,221 |
| Net charge-offs to loans | 0.6741% | 2,151 |
| Credit loss provision to net charge-offs | 61.1111% | 4,311 |
| Earnings coverage of net charge-offs (x) | 4.5431% | 2,832 |
| Efficiency ratio | 55.3697% | 6,475 |
| Assets per employee ($millions) | 4.3964% | 3,002 |
| Cash dividends to net income (ytd only)* | 66.8626% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 3,279 |
| Loan loss allowance to noncurrent loans | 146.2515% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 1.0623% | 4,763 |
| Noncurrent loans to loans | 1.1724% | 4,695 |
| Net loans and leases to total assets | 62.4285% | 3,808 |
| Net loans and leases to deposits | 76.1832% | 3,433 |
| Net loans and leases to core deposits | 81.3220% | 3,604 |
| Total domestic deposits to total assets | 81.9452% | 5,188 |
| Equity capital to assets | 12.0073% | 2,080 |
| Core capital (leverage) ratio | 9.3840% | 4,135 |
| Tier 1 risk-based capital ratio | 12.2521% | 5,567 |
| Total risk-based capital ratio | 13.5046% | 5,549 |
| Memoranda: | ||
| Average total assets | $336,526,000 | 1,938 |
| Average earning assets | $308,810,330 | 1,921 |
| Average equity | $38,781,330 | 1,726 |
| Average total loans | $213,619,670 | 1,964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 2,063 |
| Cost of funding earning assets | 1.2870% | 2,260 |
| Net interest margin | 3.9599% | 2,872 |
| Noninterest income to average assets | 0.6986% | 2,583 |
| Noninterest expense to average assets | 2.4272% | 5,805 |
| Loan and lease loss provision to assets | 0.2504% | 3,153 |
| Net operating income to assets | 1.5760% | 727 |
| Return on assets (ROA) | 1.5760% | 769 |
| Pretax return on assets | 1.6487% | 1,081 |
| Return on Equity (ROE) | 13.9715% | 999 |
| Retained earnings to average equity (ytd only) | 4.3542% | 3,555 |
| Net charge-offs to loans | 0.9900% | 1,366 |
| Credit loss provision to net charge-offs | 39.8482% | 3,952 |
| Earnings coverage of net charge-offs (x) | 3.0228% | 2,871 |
| Efficiency ratio | 55.5800% | 6,548 |
| Assets per employee ($millions) | 4.3047% | 3,232 |
| Cash dividends to net income (ytd only)* | 68.8351% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 3,380 |
| Loan loss allowance to noncurrent loans | 192.3077% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 5,499 |
| Noncurrent loans to loans | 0.8776% | 5,293 |
| Net loans and leases to total assets | 62.5202% | 3,753 |
| Net loans and leases to deposits | 76.2975% | 3,370 |
| Net loans and leases to core deposits | 81.6524% | 3,501 |
| Total domestic deposits to total assets | 81.9426% | 5,338 |
| Equity capital to assets | 11.2744% | 2,435 |
| Core capital (leverage) ratio | 9.4188% | 3,930 |
| Tier 1 risk-based capital ratio | 12.0846% | 5,613 |
| Total risk-based capital ratio | 13.3370% | 5,606 |
| Memoranda: | ||
| Average total assets | $335,529,000 | 1,955 |
| Average earning assets | $307,383,500 | 1,940 |
| Average equity | $37,848,500 | 1,759 |
| Average total loans | $212,919,500 | 1,987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 1,714 |
| Cost of funding earning assets | 1.5626% | 2,287 |
| Net interest margin | 4.0979% | 2,572 |
| Noninterest income to average assets | 0.8068% | 2,248 |
| Noninterest expense to average assets | 2.5707% | 5,540 |
| Loan and lease loss provision to assets | 0.4381% | 3,494 |
| Net operating income to assets | 1.4800% | 801 |
| Return on assets (ROA) | 1.5014% | 823 |
| Pretax return on assets | 1.5634% | 1,216 |
| Return on Equity (ROE) | 12.9598% | 1,099 |
| Retained earnings to average equity (ytd only) | 4.0245% | 3,046 |
| Net charge-offs to loans | 0.3869% | 4,104 |
| Credit loss provision to net charge-offs | 171.7548% | 1,967 |
| Earnings coverage of net charge-offs (x) | 7.7596% | 2,069 |
| Efficiency ratio | 55.9965% | 6,595 |
| Assets per employee ($millions) | 4.2985% | 3,213 |
| Cash dividends to net income (ytd only)* | 68.9465% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,586 |
| Loan loss allowance to noncurrent loans | 287.3280% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 5,891 |
| Noncurrent loans to loans | 0.6589% | 5,731 |
| Net loans and leases to total assets | 62.1197% | 4,261 |
| Net loans and leases to deposits | 75.2892% | 3,960 |
| Net loans and leases to core deposits | 81.0042% | 4,058 |
| Total domestic deposits to total assets | 82.5081% | 5,019 |
| Equity capital to assets | 11.2862% | 2,422 |
| Core capital (leverage) ratio | 9.3918% | 3,861 |
| Tier 1 risk-based capital ratio | 11.8224% | 5,636 |
| Total risk-based capital ratio | 13.0759% | 5,626 |
| Memoranda: | ||
| Average total assets | $326,218,200 | 1,993 |
| Average earning assets | $297,959,600 | 1,994 |
| Average equity | $37,793,800 | 1,747 |
| Average total loans | $215,024,200 | 2,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7234% | 1,632 |
| Cost of funding earning assets | 1.6092% | 2,334 |
| Net interest margin | 4.1141% | 2,558 |
| Noninterest income to average assets | 0.7737% | 2,366 |
| Noninterest expense to average assets | 2.5195% | 5,638 |
| Loan and lease loss provision to assets | 0.3954% | 3,530 |
| Net operating income to assets | 1.5328% | 862 |
| Return on assets (ROA) | 1.5613% | 879 |
| Pretax return on assets | 1.6421% | 1,235 |
| Return on Equity (ROE) | 13.3881% | 1,162 |
| Retained earnings to average equity (ytd only) | 5.0337% | 2,967 |
| Net charge-offs to loans | 0.3925% | 3,718 |
| Credit loss provision to net charge-offs | 151.3344% | 2,568 |
| Earnings coverage of net charge-offs (x) | 7.6829% | 2,282 |
| Efficiency ratio | 55.1468% | 6,663 |
| Assets per employee ($millions) | 4.0884% | 3,667 |
| Cash dividends to net income (ytd only)* | 62.4015% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,127 |
| Loan loss allowance to noncurrent loans | 165.9785% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 5,550 |
| Noncurrent loans to loans | 1.0293% | 5,184 |
| Net loans and leases to total assets | 65.8761% | 3,718 |
| Net loans and leases to deposits | 81.1449% | 3,239 |
| Net loans and leases to core deposits | 87.8271% | 3,389 |
| Total domestic deposits to total assets | 81.1833% | 5,309 |
| Equity capital to assets | 12.2535% | 2,007 |
| Core capital (leverage) ratio | 9.5453% | 3,839 |
| Tier 1 risk-based capital ratio | 11.6172% | 5,815 |
| Total risk-based capital ratio | 12.8692% | 5,797 |
| Memoranda: | ||
| Average total assets | $325,026,000 | 2,027 |
| Average earning assets | $296,530,500 | 2,030 |
| Average equity | $37,903,250 | 1,754 |
| Average total loans | $216,386,250 | 2,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7441% | 1,575 |
| Cost of funding earning assets | 1.6268% | 2,500 |
| Net interest margin | 4.1173% | 2,476 |
| Noninterest income to average assets | 0.7135% | 2,629 |
| Noninterest expense to average assets | 2.5287% | 5,613 |
| Loan and lease loss provision to assets | 0.3095% | 3,907 |
| Net operating income to assets | 1.5481% | 819 |
| Return on assets (ROA) | 1.5499% | 874 |
| Pretax return on assets | 1.6303% | 1,211 |
| Return on Equity (ROE) | 13.5171% | 1,135 |
| Retained earnings to average equity (ytd only) | 5.5696% | 2,572 |
| Net charge-offs to loans | 0.3864% | 3,433 |
| Credit loss provision to net charge-offs | 120.5742% | 3,361 |
| Earnings coverage of net charge-offs (x) | 7.5502% | 2,282 |
| Efficiency ratio | 56.1039% | 6,625 |
| Assets per employee ($millions) | 4.1671% | 3,456 |
| Cash dividends to net income (ytd only)* | 58.7956% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,586 |
| Loan loss allowance to noncurrent loans | 112.9001% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 5,080 |
| Noncurrent loans to loans | 1.3900% | 4,620 |
| Net loans and leases to total assets | 66.7084% | 3,686 |
| Net loans and leases to deposits | 82.7739% | 3,122 |
| Net loans and leases to core deposits | 91.1118% | 3,107 |
| Total domestic deposits to total assets | 80.5911% | 5,538 |
| Equity capital to assets | 11.7682% | 2,230 |
| Core capital (leverage) ratio | 9.4004% | 3,963 |
| Tier 1 risk-based capital ratio | 11.2017% | 6,038 |
| Total risk-based capital ratio | 12.4524% | 6,020 |
| Memoranda: | ||
| Average total assets | $325,706,330 | 2,037 |
| Average earning assets | $296,894,000 | 2,048 |
| Average equity | $37,345,330 | 1,779 |
| Average total loans | $216,359,000 | 2,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7072% | 1,753 |
| Cost of funding earning assets | 1.6666% | 2,558 |
| Net interest margin | 4.0406% | 2,695 |
| Noninterest income to average assets | 0.6846% | 2,706 |
| Noninterest expense to average assets | 2.4500% | 5,910 |
| Loan and lease loss provision to assets | 0.2809% | 3,784 |
| Net operating income to assets | 1.5668% | 800 |
| Return on assets (ROA) | 1.5691% | 851 |
| Pretax return on assets | 1.6354% | 1,187 |
| Return on Equity (ROE) | 13.8673% | 1,077 |
| Retained earnings to average equity (ytd only) | 5.2802% | 2,994 |
| Net charge-offs to loans | 0.1194% | 4,261 |
| Credit loss provision to net charge-offs | 357.8125% | 1,134 |
| Earnings coverage of net charge-offs (x) | 24.3750% | 1,020 |
| Efficiency ratio | 55.6087% | 6,825 |
| Assets per employee ($millions) | 4.0783% | 3,686 |
| Cash dividends to net income (ytd only)* | 61.9234% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,337 |
| Loan loss allowance to noncurrent loans | 152.5453% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 5,344 |
| Noncurrent loans to loans | 1.0675% | 5,213 |
| Net loans and leases to total assets | 65.4708% | 3,997 |
| Net loans and leases to deposits | 81.4854% | 3,369 |
| Net loans and leases to core deposits | 88.5586% | 3,557 |
| Total domestic deposits to total assets | 80.3467% | 5,665 |
| Equity capital to assets | 11.4430% | 2,407 |
| Core capital (leverage) ratio | 9.2561% | 4,124 |
| Tier 1 risk-based capital ratio | 11.0836% | 6,083 |
| Total risk-based capital ratio | 12.3348% | 6,049 |
| Memoranda: | ||
| Average total assets | $326,041,000 | 2,085 |
| Average earning assets | $296,886,000 | 2,098 |
| Average equity | $36,892,500 | 1,827 |
| Average total loans | $214,396,500 | 2,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 1,792 |
| Cost of funding earning assets | 2.1112% | 2,410 |
| Net interest margin | 3.9075% | 3,238 |
| Noninterest income to average assets | 0.8031% | 2,392 |
| Noninterest expense to average assets | 2.6629% | 5,539 |
| Loan and lease loss provision to assets | 0.3469% | 4,722 |
| Net operating income to assets | 1.2821% | 1,067 |
| Return on assets (ROA) | 1.2922% | 1,098 |
| Pretax return on assets | 1.3570% | 1,540 |
| Return on Equity (ROE) | 12.1654% | 1,119 |
| Retained earnings to average equity (ytd only) | 6.1199% | 1,311 |
| Net charge-offs to loans | 0.2885% | 4,829 |
| Credit loss provision to net charge-offs | 183.5749% | 2,234 |
| Earnings coverage of net charge-offs (x) | 8.9597% | 1,862 |
| Efficiency ratio | 60.6120% | 6,387 |
| Assets per employee ($millions) | 4.0225% | 3,775 |
| Cash dividends to net income (ytd only)* | 49.6938% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 3,311 |
| Loan loss allowance to noncurrent loans | 139.0677% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 5,216 |
| Noncurrent loans to loans | 1.1453% | 5,041 |
| Net loans and leases to total assets | 63.9248% | 4,618 |
| Net loans and leases to deposits | 78.7863% | 4,215 |
| Net loans and leases to core deposits | 90.4582% | 5,074 |
| Total domestic deposits to total assets | 81.1369% | 5,299 |
| Equity capital to assets | 11.1874% | 2,543 |
| Core capital (leverage) ratio | 8.9365% | 4,529 |
| Tier 1 risk-based capital ratio | 11.1530% | 5,772 |
| Total risk-based capital ratio | 12.4039% | 5,728 |
| Memoranda: | ||
| Average total assets | $328,594,200 | 2,060 |
| Average earning assets | $298,782,000 | 2,081 |
| Average equity | $34,902,400 | 1,926 |
| Average total loans | $215,246,400 | 2,147 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0543% | 1,821 |
| Cost of funding earning assets | 2.1832% | 2,485 |
| Net interest margin | 3.8711% | 3,342 |
| Noninterest income to average assets | 0.8697% | 2,104 |
| Noninterest expense to average assets | 2.5716% | 5,818 |
| Loan and lease loss provision to assets | 0.3668% | 4,118 |
| Net operating income to assets | 1.3838% | 1,060 |
| Return on assets (ROA) | 1.3811% | 1,125 |
| Pretax return on assets | 1.4508% | 1,557 |
| Return on Equity (ROE) | 13.1765% | 1,073 |
| Retained earnings to average equity (ytd only) | 7.4091% | 1,347 |
| Net charge-offs to loans | 0.3535% | 3,877 |
| Credit loss provision to net charge-offs | 158.1152% | 3,008 |
| Earnings coverage of net charge-offs (x) | 7.8464% | 2,339 |
| Efficiency ratio | 58.0345% | 6,713 |
| Assets per employee ($millions) | 4.0364% | 3,659 |
| Cash dividends to net income (ytd only)* | 43.7702% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,417 |
| Loan loss allowance to noncurrent loans | 165.7991% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 5,484 |
| Noncurrent loans to loans | 0.9068% | 5,476 |
| Net loans and leases to total assets | 63.8196% | 4,902 |
| Net loans and leases to deposits | 80.4588% | 4,306 |
| Net loans and leases to core deposits | 92.6911% | 5,168 |
| Total domestic deposits to total assets | 79.3196% | 5,687 |
| Equity capital to assets | 11.2149% | 2,819 |
| Core capital (leverage) ratio | 8.8412% | 4,908 |
| Tier 1 risk-based capital ratio | 11.1562% | 5,803 |
| Total risk-based capital ratio | 12.4026% | 5,748 |
| Memoranda: | ||
| Average total assets | $329,287,250 | 2,074 |
| Average earning assets | $299,614,000 | 2,094 |
| Average equity | $34,515,250 | 1,969 |
| Average total loans | $216,145,000 | 2,164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1015% | 1,788 |
| Cost of funding earning assets | 2.2511% | 2,571 |
| Net interest margin | 3.8504% | 3,340 |
| Noninterest income to average assets | 0.8532% | 2,169 |
| Noninterest expense to average assets | 2.6152% | 5,683 |
| Loan and lease loss provision to assets | 0.3478% | 3,838 |
| Net operating income to assets | 1.3304% | 1,161 |
| Return on assets (ROA) | 1.3264% | 1,244 |
| Pretax return on assets | 1.3900% | 1,752 |
| Return on Equity (ROE) | 12.9534% | 1,192 |
| Retained earnings to average equity (ytd only) | 8.0596% | 1,189 |
| Net charge-offs to loans | 0.3723% | 3,328 |
| Credit loss provision to net charge-offs | 141.7284% | 3,287 |
| Earnings coverage of net charge-offs (x) | 7.0988% | 2,496 |
| Efficiency ratio | 59.5049% | 6,619 |
| Assets per employee ($millions) | 3.9695% | 3,737 |
| Cash dividends to net income (ytd only)* | 37.7798% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 3,693 |
| Loan loss allowance to noncurrent loans | 167.2757% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 5,699 |
| Noncurrent loans to loans | 0.8404% | 5,541 |
| Net loans and leases to total assets | 65.0939% | 4,746 |
| Net loans and leases to deposits | 81.7093% | 4,270 |
| Net loans and leases to core deposits | 93.3013% | 5,199 |
| Total domestic deposits to total assets | 79.6652% | 5,567 |
| Equity capital to assets | 10.5574% | 3,332 |
| Core capital (leverage) ratio | 8.5666% | 5,321 |
| Tier 1 risk-based capital ratio | 10.8613% | 6,022 |
| Total risk-based capital ratio | 12.0360% | 6,033 |
| Memoranda: | ||
| Average total assets | $330,067,000 | 2,100 |
| Average earning assets | $300,383,670 | 2,113 |
| Average equity | $33,798,000 | 2,005 |
| Average total loans | $217,579,330 | 2,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0015% | 2,356 |
| Cost of funding earning assets | 2.2843% | 2,768 |
| Net interest margin | 3.7172% | 3,819 |
| Noninterest income to average assets | 0.8316% | 2,168 |
| Noninterest expense to average assets | 2.4697% | 5,960 |
| Loan and lease loss provision to assets | 0.2624% | 3,859 |
| Net operating income to assets | 1.4186% | 1,103 |
| Return on assets (ROA) | 1.4106% | 1,201 |
| Pretax return on assets | 1.4695% | 1,756 |
| Return on Equity (ROE) | 13.9878% | 1,173 |
| Retained earnings to average equity (ytd only) | 9.6792% | 1,286 |
| Net charge-offs to loans | 0.0512% | 4,757 |
| Credit loss provision to net charge-offs | 778.5714% | 767 |
| Earnings coverage of net charge-offs (x) | 51.6429% | 708 |
| Efficiency ratio | 58.1475% | 6,679 |
| Assets per employee ($millions) | 4.1009% | 3,456 |
| Cash dividends to net income (ytd only)* | 30.8020% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 3,529 |
| Loan loss allowance to noncurrent loans | 162.5000% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 5,644 |
| Noncurrent loans to loans | 0.8578% | 5,304 |
| Net loans and leases to total assets | 64.7817% | 4,849 |
| Net loans and leases to deposits | 81.8369% | 4,316 |
| Net loans and leases to core deposits | 91.8786% | 5,354 |
| Total domestic deposits to total assets | 79.1595% | 5,665 |
| Equity capital to assets | 10.3495% | 3,610 |
| Core capital (leverage) ratio | 8.4510% | 5,626 |
| Tier 1 risk-based capital ratio | 10.5940% | 6,298 |
| Total risk-based capital ratio | 11.7718% | 6,286 |
| Memoranda: | ||
| Average total assets | $332,352,500 | 2,097 |
| Average earning assets | $302,055,500 | 2,113 |
| Average equity | $33,515,000 | 2,024 |
| Average total loans | $218,919,500 | 2,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5330% | 2,798 |
| Cost of funding earning assets | 2.7635% | 2,862 |
| Net interest margin | 3.7695% | 4,142 |
| Noninterest income to average assets | 0.7149% | 3,026 |
| Noninterest expense to average assets | 2.3763% | 6,484 |
| Loan and lease loss provision to assets | 0.2869% | 4,088 |
| Net operating income to assets | 1.3710% | 1,296 |
| Return on assets (ROA) | 1.4026% | 1,178 |
| Pretax return on assets | 1.4842% | 1,725 |
| Return on Equity (ROE) | 14.1118% | 1,081 |
| Retained earnings to average equity (ytd only) | 6.2064% | 1,433 |
| Net charge-offs to loans | 0.2218% | 4,010 |
| Credit loss provision to net charge-offs | 193.9583% | 2,524 |
| Earnings coverage of net charge-offs (x) | 11.7479% | 2,338 |
| Efficiency ratio | 57.2017% | 6,833 |
| Assets per employee ($millions) | 4.1054% | 3,299 |
| Cash dividends to net income (ytd only)* | 56.0193% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 3,793 |
| Loan loss allowance to noncurrent loans | 143.8951% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 5,196 |
| Noncurrent loans to loans | 0.9025% | 4,815 |
| Net loans and leases to total assets | 65.1840% | 5,018 |
| Net loans and leases to deposits | 83.2127% | 4,545 |
| Net loans and leases to core deposits | 92.7649% | 5,563 |
| Total domestic deposits to total assets | 78.3342% | 5,600 |
| Equity capital to assets | 9.8191% | 4,266 |
| Core capital (leverage) ratio | 8.2717% | 6,005 |
| Tier 1 risk-based capital ratio | 10.4317% | 6,285 |
| Total risk-based capital ratio | 11.5547% | 6,286 |
| Memoranda: | ||
| Average total assets | $324,543,200 | 2,061 |
| Average earning assets | $292,638,200 | 2,091 |
| Average equity | $32,256,800 | 2,097 |
| Average total loans | $216,396,400 | 2,163 |