Home > Glenwood State Bank (Incorporated) > Performance and Condition Ratios
Glenwood State Bank (Incorporated), 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 | 5.2857% | 1,518 |
| Cost of funding earning assets | 1.8282% | 1,204 |
| Net interest margin | 3.4575% | 2,285 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.2070% | 3,106 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.1031% | 1,918 |
| Return on assets (ROA) | 1.1031% | 1,883 |
| Pretax return on assets | 1.2194% | 2,093 |
| Return on Equity (ROE) | 13.4000% | 1,629 |
| Retained earnings to average equity (ytd only) | 7.6996% | 1,629 |
| Net charge-offs to loans | 0.0340% | 1,623 |
| Credit loss provision to net charge-offs | 652.7273% | 559 |
| Earnings coverage of net charge-offs (x) | 44.9212% | 1,361 |
| Efficiency ratio | 60.7374% | 2,996 |
| Assets per employee ($millions) | 8.2580% | 1,302 |
| Cash dividends to net income (ytd only)* | 42.5231% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 2,886 |
| Loan loss allowance to noncurrent loans | 31.9871% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 3.2325% | 61 |
| Noncurrent loans to loans | 3.4098% | 118 |
| Net loans and leases to total assets | 92.6400% | 10 |
| Net loans and leases to deposits | 110.8776% | 184 |
| Net loans and leases to core deposits | 124.2503% | 529 |
| Total domestic deposits to total assets | 83.5500% | 2,743 |
| Equity capital to assets | 8.2190% | 3,266 |
| Core capital (leverage) ratio | 8.4924% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2819% | 2,882 |
| Memoranda: | ||
| Average total assets | $519,535,000 | 1,692 |
| Average earning assets | $495,738,000 | 1,651 |
| Average equity | $42,781,600 | 1,796 |
| Average total loans | $484,634,800 | 1,264 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 1,495 |
| Cost of funding earning assets | 1.6554% | 1,265 |
| Net interest margin | 3.5234% | 2,162 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.2009% | 3,072 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.1061% | 2,035 |
| Return on assets (ROA) | 1.1061% | 2,017 |
| Pretax return on assets | 1.2500% | 2,169 |
| Return on Equity (ROE) | 13.4300% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.4868% | 2,145 |
| Net charge-offs to loans | 0.0293% | 1,486 |
| Credit loss provision to net charge-offs | 802.8571% | 461 |
| Earnings coverage of net charge-offs (x) | 53.8476% | 1,268 |
| Efficiency ratio | 59.9717% | 2,968 |
| Assets per employee ($millions) | 8.2502% | 1,231 |
| Cash dividends to net income (ytd only)* | 44.2330% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 2,980 |
| Loan loss allowance to noncurrent loans | 84.4925% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 359 |
| Noncurrent loans to loans | 1.2752% | 600 |
| Net loans and leases to total assets | 92.3500% | 12 |
| Net loans and leases to deposits | 112.2041% | 159 |
| Net loans and leases to core deposits | 123.7967% | 463 |
| Total domestic deposits to total assets | 82.3100% | 3,159 |
| Equity capital to assets | 8.0864% | 2,996 |
| Core capital (leverage) ratio | 8.5744% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3247% | 2,896 |
| Memoranda: | ||
| Average total assets | $513,162,000 | 1,705 |
| Average earning assets | $489,365,250 | 1,664 |
| Average equity | $42,278,000 | 1,790 |
| Average total loans | $478,168,750 | 1,275 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 1,437 |
| Cost of funding earning assets | 1.4956% | 1,249 |
| Net interest margin | 3.5657% | 2,113 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1541% | 3,202 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3508% | 1,450 |
| Return on assets (ROA) | 1.3508% | 1,438 |
| Pretax return on assets | 1.4937% | 1,615 |
| Return on Equity (ROE) | 16.2900% | 1,220 |
| Retained earnings to average equity (ytd only) | 7.3051% | 2,192 |
| Net charge-offs to loans | 0.0429% | 1,076 |
| Credit loss provision to net charge-offs | 165.3465% | 1,141 |
| Earnings coverage of net charge-offs (x) | 39.0297% | 1,416 |
| Efficiency ratio | 58.0013% | 3,190 |
| Assets per employee ($millions) | 7.9075% | 1,363 |
| Cash dividends to net income (ytd only)* | 55.1552% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,525 |
| Loan loss allowance to noncurrent loans | 136.5529% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 745 |
| Noncurrent loans to loans | 0.7114% | 1,048 |
| Net loans and leases to total assets | 92.2300% | 16 |
| Net loans and leases to deposits | 108.9378% | 221 |
| Net loans and leases to core deposits | 119.7370% | 519 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 8.1584% | 3,108 |
| Core capital (leverage) ratio | 8.4836% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6008% | 2,896 |
| Memoranda: | ||
| Average total assets | $505,462,667 | 1,712 |
| Average earning assets | $482,203,000 | 1,680 |
| Average equity | $41,916,000 | 1,817 |
| Average total loans | $470,682,333 | 1,278 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 1,527 |
| Cost of funding earning assets | 1.2692% | 1,298 |
| Net interest margin | 3.5703% | 2,188 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1703% | 3,184 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2919% | 1,692 |
| Return on assets (ROA) | 1.2919% | 1,670 |
| Pretax return on assets | 1.4512% | 1,766 |
| Return on Equity (ROE) | 15.4500% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.1579% | 1,436 |
| Net charge-offs to loans | 0.0959% | 611 |
| Credit loss provision to net charge-offs | 54.9550% | 1,292 |
| Earnings coverage of net charge-offs (x) | 16.8018% | 1,511 |
| Efficiency ratio | 59.1278% | 3,061 |
| Assets per employee ($millions) | 7.9444% | 1,370 |
| Cash dividends to net income (ytd only)* | 27.7709% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,635 |
| Loan loss allowance to noncurrent loans | 318.1630% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 1,547 |
| Noncurrent loans to loans | 0.3049% | 2,055 |
| Net loans and leases to total assets | 92.4900% | 13 |
| Net loans and leases to deposits | 110.2409% | 179 |
| Net loans and leases to core deposits | 120.7578% | 416 |
| Total domestic deposits to total assets | 83.8900% | 3,112 |
| Equity capital to assets | 8.3055% | 3,035 |
| Core capital (leverage) ratio | 8.6945% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8353% | 2,965 |
| Memoranda: | ||
| Average total assets | $497,247,500 | 1,747 |
| Average earning assets | $474,017,000 | 1,716 |
| Average equity | $41,585,000 | 1,850 |
| Average total loans | $462,990,000 | 1,310 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 976 |
| Cost of funding earning assets | 0.6374% | 761 |
| Net interest margin | 3.7079% | 1,359 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2023% | 3,022 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.4962% | 886 |
| Return on assets (ROA) | 1.4962% | 854 |
| Pretax return on assets | 1.6707% | 993 |
| Return on Equity (ROE) | 18.5200% | 629 |
| Retained earnings to average equity (ytd only) | 15.7312% | 238 |
| Net charge-offs to loans | -0.0493% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.4363% | 3,636 |
| Assets per employee ($millions) | 7.5945% | 1,553 |
| Cash dividends to net income (ytd only)* | 15.0368% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,192 |
| Loan loss allowance to noncurrent loans | 269.7567% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 1,443 |
| Noncurrent loans to loans | 0.3826% | 1,771 |
| Net loans and leases to total assets | 91.8600% | 18 |
| Net loans and leases to deposits | 107.2406% | 217 |
| Net loans and leases to core deposits | 114.7333% | 467 |
| Total domestic deposits to total assets | 85.6600% | 2,812 |
| Equity capital to assets | 8.4232% | 2,761 |
| Core capital (leverage) ratio | 8.7307% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6184% | 3,016 |
| Memoranda: | ||
| Average total assets | $471,591,200 | 1,795 |
| Average earning assets | $450,924,400 | 1,755 |
| Average equity | $38,109,000 | 1,991 |
| Average total loans | $405,756,000 | 1,381 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 813 |
| Cost of funding earning assets | 0.5570% | 558 |
| Net interest margin | 3.6881% | 1,171 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.1513% | 3,073 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6627% | 578 |
| Return on assets (ROA) | 1.6627% | 561 |
| Pretax return on assets | 1.7975% | 736 |
| Return on Equity (ROE) | 20.8000% | 375 |
| Retained earnings to average equity (ytd only) | 17.0223% | 208 |
| Net charge-offs to loans | -0.0666% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.8972% | 3,829 |
| Assets per employee ($millions) | 6.9712% | 1,963 |
| Cash dividends to net income (ytd only)* | 18.1803% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,412 |
| Loan loss allowance to noncurrent loans | 296.3748% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 1,710 |
| Noncurrent loans to loans | 0.3414% | 2,007 |
| Net loans and leases to total assets | 89.4300% | 35 |
| Net loans and leases to deposits | 102.0127% | 304 |
| Net loans and leases to core deposits | 107.8627% | 537 |
| Total domestic deposits to total assets | 87.6600% | 2,531 |
| Equity capital to assets | 8.3495% | 2,642 |
| Core capital (leverage) ratio | 8.6449% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7698% | 3,072 |
| Memoranda: | ||
| Average total assets | $467,976,250 | 1,818 |
| Average earning assets | $448,098,750 | 1,774 |
| Average equity | $37,401,000 | 2,046 |
| Average total loans | $394,411,250 | 1,400 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 974 |
| Cost of funding earning assets | 0.5178% | 471 |
| Net interest margin | 3.4572% | 1,427 |
| Noninterest income to average assets | 0.4932% | 2,242 |
| Noninterest expense to average assets | 2.2268% | 2,768 |
| Loan and lease loss provision to assets | 0.0429% | 1,798 |
| Net operating income to assets | 1.4027% | 900 |
| Return on assets (ROA) | 1.4027% | 875 |
| Pretax return on assets | 1.5422% | 1,063 |
| Return on Equity (ROE) | 17.8216% | 495 |
| Retained earnings to average equity (ytd only) | 14.4678% | 318 |
| Net charge-offs to loans | -0.0752% | 4,373 |
| Credit loss provision to net charge-offs | -69.4444% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4168% | 3,499 |
| Assets per employee ($millions) | 6.7171% | 2,161 |
| Cash dividends to net income (ytd only)* | 18.8188% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,363 |
| Loan loss allowance to noncurrent loans | 229.6417% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 1,275 |
| Noncurrent loans to loans | 0.4579% | 1,743 |
| Net loans and leases to total assets | 84.6628% | 156 |
| Net loans and leases to deposits | 97.2262% | 378 |
| Net loans and leases to core deposits | 102.7685% | 559 |
| Total domestic deposits to total assets | 87.0782% | 2,911 |
| Equity capital to assets | 8.0300% | 3,100 |
| Core capital (leverage) ratio | 8.1964% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8817% | 3,028 |
| Memoranda: | ||
| Average total assets | $465,954,667 | 1,829 |
| Average earning assets | $447,300,333 | 1,795 |
| Average equity | $36,674,667 | 2,131 |
| Average total loans | $383,130,667 | 1,427 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 1,145 |
| Cost of funding earning assets | 0.5151% | 459 |
| Net interest margin | 3.2528% | 1,712 |
| Noninterest income to average assets | 0.5192% | 2,047 |
| Noninterest expense to average assets | 2.2206% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4014% | 794 |
| Return on assets (ROA) | 1.4014% | 789 |
| Pretax return on assets | 1.4247% | 1,192 |
| Return on Equity (ROE) | 17.9888% | 345 |
| Retained earnings to average equity (ytd only) | 12.7306% | 499 |
| Net charge-offs to loans | -0.1499% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9179% | 3,383 |
| Assets per employee ($millions) | 6.9927% | 2,001 |
| Cash dividends to net income (ytd only)* | 29.2308% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,317 |
| Loan loss allowance to noncurrent loans | 204.0554% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 1,341 |
| Noncurrent loans to loans | 0.5399% | 1,691 |
| Net loans and leases to total assets | 79.0506% | 292 |
| Net loans and leases to deposits | 90.6201% | 478 |
| Net loans and leases to core deposits | 95.9027% | 662 |
| Total domestic deposits to total assets | 87.2329% | 2,838 |
| Equity capital to assets | 7.7828% | 3,740 |
| Core capital (leverage) ratio | 8.0310% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3400% | 3,003 |
| Memoranda: | ||
| Average total assets | $463,833,000 | 1,844 |
| Average earning assets | $445,767,000 | 1,807 |
| Average equity | $36,133,500 | 2,209 |
| Average total loans | $373,539,500 | 1,451 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 984 |
| Cost of funding earning assets | 0.5917% | 564 |
| Net interest margin | 3.6133% | 1,433 |
| Noninterest income to average assets | 0.4065% | 3,015 |
| Noninterest expense to average assets | 2.3124% | 2,759 |
| Loan and lease loss provision to assets | 0.1235% | 990 |
| Net operating income to assets | 1.2870% | 1,640 |
| Return on assets (ROA) | 1.2870% | 1,693 |
| Pretax return on assets | 1.4270% | 1,956 |
| Return on Equity (ROE) | 15.8560% | 779 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,129 |
| Net charge-offs to loans | 0.0113% | 2,140 |
| Credit loss provision to net charge-offs | 1,346.1538% | 425 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 606 |
| Efficiency ratio | 59.8624% | 3,172 |
| Assets per employee ($millions) | 7.0639% | 1,887 |
| Cash dividends to net income (ytd only)* | 58.9837% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,478 |
| Loan loss allowance to noncurrent loans | 178.1055% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 1,368 |
| Noncurrent loans to loans | 0.6007% | 1,632 |
| Net loans and leases to total assets | 80.2793% | 254 |
| Net loans and leases to deposits | 92.1900% | 459 |
| Net loans and leases to core deposits | 97.5675% | 634 |
| Total domestic deposits to total assets | 87.0802% | 2,487 |
| Equity capital to assets | 7.7978% | 4,469 |
| Core capital (leverage) ratio | 7.9308% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0611% | 3,041 |
| Memoranda: | ||
| Average total assets | $425,093,200 | 1,912 |
| Average earning assets | $406,631,400 | 1,883 |
| Average equity | $34,504,200 | 2,312 |
| Average total loans | $346,267,400 | 1,533 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 1,035 |
| Cost of funding earning assets | 0.6055% | 625 |
| Net interest margin | 3.6400% | 1,493 |
| Noninterest income to average assets | 0.4113% | 3,029 |
| Noninterest expense to average assets | 2.3195% | 2,695 |
| Loan and lease loss provision to assets | 0.1121% | 1,078 |
| Net operating income to assets | 1.4550% | 1,381 |
| Return on assets (ROA) | 1.4550% | 1,442 |
| Pretax return on assets | 1.4566% | 2,129 |
| Return on Equity (ROE) | 17.7335% | 658 |
| Retained earnings to average equity (ytd only) | 5.1453% | 3,162 |
| Net charge-offs to loans | 0.0306% | 1,441 |
| Credit loss provision to net charge-offs | 448.7179% | 812 |
| Earnings coverage of net charge-offs (x) | 62.8333% | 1,116 |
| Efficiency ratio | 59.6559% | 3,034 |
| Assets per employee ($millions) | 6.8537% | 1,974 |
| Cash dividends to net income (ytd only)* | 70.9855% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,644 |
| Loan loss allowance to noncurrent loans | 99.0026% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 783 |
| Noncurrent loans to loans | 1.0651% | 1,066 |
| Net loans and leases to total assets | 81.9720% | 190 |
| Net loans and leases to deposits | 94.7555% | 388 |
| Net loans and leases to core deposits | 101.1433% | 548 |
| Total domestic deposits to total assets | 86.5090% | 2,550 |
| Equity capital to assets | 8.0915% | 4,471 |
| Core capital (leverage) ratio | 8.1515% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2046% | 3,071 |
| Memoranda: | ||
| Average total assets | $416,577,500 | 1,958 |
| Average earning assets | $397,902,250 | 1,932 |
| Average equity | $34,179,250 | 2,355 |
| Average total loans | $339,686,000 | 1,587 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 1,255 |
| Cost of funding earning assets | 0.6100% | 713 |
| Net interest margin | 3.5465% | 1,729 |
| Noninterest income to average assets | 0.4063% | 3,075 |
| Noninterest expense to average assets | 2.2794% | 2,826 |
| Loan and lease loss provision to assets | 0.1021% | 1,241 |
| Net operating income to assets | 1.4075% | 1,543 |
| Return on assets (ROA) | 1.4075% | 1,608 |
| Pretax return on assets | 1.4099% | 2,301 |
| Return on Equity (ROE) | 17.0723% | 769 |
| Retained earnings to average equity (ytd only) | 1.7803% | 4,170 |
| Net charge-offs to loans | 0.0372% | 1,264 |
| Credit loss provision to net charge-offs | 338.7097% | 837 |
| Earnings coverage of net charge-offs (x) | 50.1774% | 1,067 |
| Efficiency ratio | 60.1205% | 3,008 |
| Assets per employee ($millions) | 6.6462% | 2,057 |
| Cash dividends to net income (ytd only)* | 89.5718% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,578 |
| Loan loss allowance to noncurrent loans | 77.3865% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 657 |
| Noncurrent loans to loans | 1.3724% | 850 |
| Net loans and leases to total assets | 79.8926% | 327 |
| Net loans and leases to deposits | 92.3809% | 525 |
| Net loans and leases to core deposits | 98.6015% | 699 |
| Total domestic deposits to total assets | 86.4816% | 2,554 |
| Equity capital to assets | 7.9717% | 4,551 |
| Core capital (leverage) ratio | 8.0609% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3596% | 3,057 |
| Memoranda: | ||
| Average total assets | $411,508,333 | 1,963 |
| Average earning assets | $392,786,333 | 1,945 |
| Average equity | $33,926,333 | 2,358 |
| Average total loans | $333,676,333 | 1,614 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 1,218 |
| Cost of funding earning assets | 0.6347% | 749 |
| Net interest margin | 3.5539% | 1,693 |
| Noninterest income to average assets | 0.4054% | 3,057 |
| Noninterest expense to average assets | 2.3323% | 2,696 |
| Loan and lease loss provision to assets | 0.0593% | 1,939 |
| Net operating income to assets | 1.4019% | 1,569 |
| Return on assets (ROA) | 1.4019% | 1,645 |
| Pretax return on assets | 1.4019% | 2,275 |
| Return on Equity (ROE) | 16.7141% | 890 |
| Retained earnings to average equity (ytd only) | 8.1802% | 2,182 |
| Net charge-offs to loans | 0.0170% | 1,407 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 105.5714% | 602 |
| Efficiency ratio | 61.4803% | 2,844 |
| Assets per employee ($millions) | 6.5616% | 2,125 |
| Cash dividends to net income (ytd only)* | 51.0578% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,508 |
| Loan loss allowance to noncurrent loans | 115.4673% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 1,242 |
| Noncurrent loans to loans | 0.9398% | 1,438 |
| Net loans and leases to total assets | 78.1915% | 456 |
| Net loans and leases to deposits | 91.0840% | 642 |
| Net loans and leases to core deposits | 97.6658% | 817 |
| Total domestic deposits to total assets | 85.8455% | 2,791 |
| Equity capital to assets | 8.2914% | 4,285 |
| Core capital (leverage) ratio | 8.4382% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3710% | 2,851 |
| Memoranda: | ||
| Average total assets | $404,585,000 | 1,978 |
| Average earning assets | $385,718,500 | 1,949 |
| Average equity | $33,935,500 | 2,350 |
| Average total loans | $328,777,000 | 1,636 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 803 |
| Cost of funding earning assets | 0.8587% | 991 |
| Net interest margin | 3.8940% | 1,227 |
| Noninterest income to average assets | 0.4325% | 2,946 |
| Noninterest expense to average assets | 2.4320% | 3,047 |
| Loan and lease loss provision to assets | 0.0908% | 3,227 |
| Net operating income to assets | 1.5917% | 652 |
| Return on assets (ROA) | 1.5917% | 708 |
| Pretax return on assets | 1.5929% | 1,090 |
| Return on Equity (ROE) | 17.7369% | 350 |
| Retained earnings to average equity (ytd only) | 11.4694% | 382 |
| Net charge-offs to loans | -0.0321% | 4,557 |
| Credit loss provision to net charge-offs | -316.8317% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0912% | 3,578 |
| Assets per employee ($millions) | 6.5965% | 1,852 |
| Cash dividends to net income (ytd only)* | 35.3361% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,645 |
| Loan loss allowance to noncurrent loans | 137.5246% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 1,578 |
| Noncurrent loans to loans | 0.7694% | 1,787 |
| Net loans and leases to total assets | 82.6903% | 246 |
| Net loans and leases to deposits | 96.9265% | 506 |
| Net loans and leases to core deposits | 104.6760% | 701 |
| Total domestic deposits to total assets | 85.3124% | 2,647 |
| Equity capital to assets | 8.4884% | 4,451 |
| Core capital (leverage) ratio | 8.7501% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9414% | 2,940 |
| Memoranda: | ||
| Average total assets | $352,387,200 | 2,035 |
| Average earning assets | $333,305,200 | 2,011 |
| Average equity | $31,623,400 | 2,400 |
| Average total loans | $314,849,800 | 1,632 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 813 |
| Cost of funding earning assets | 0.9133% | 1,027 |
| Net interest margin | 3.9323% | 1,275 |
| Noninterest income to average assets | 0.4282% | 2,945 |
| Noninterest expense to average assets | 2.4832% | 2,899 |
| Loan and lease loss provision to assets | 0.1250% | 2,773 |
| Net operating income to assets | 1.5311% | 849 |
| Return on assets (ROA) | 1.5311% | 926 |
| Pretax return on assets | 1.5330% | 1,370 |
| Return on Equity (ROE) | 16.7978% | 465 |
| Retained earnings to average equity (ytd only) | 8.3090% | 1,208 |
| Net charge-offs to loans | 0.0030% | 3,065 |
| Credit loss provision to net charge-offs | 4,571.4286% | 245 |
| Earnings coverage of net charge-offs (x) | 606.7143% | 200 |
| Efficiency ratio | 59.9642% | 3,394 |
| Assets per employee ($millions) | 6.0793% | 2,203 |
| Cash dividends to net income (ytd only)* | 50.5354% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,534 |
| Loan loss allowance to noncurrent loans | 120.6332% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 1,454 |
| Noncurrent loans to loans | 0.8590% | 1,725 |
| Net loans and leases to total assets | 88.7843% | 66 |
| Net loans and leases to deposits | 105.0926% | 354 |
| Net loans and leases to core deposits | 112.3900% | 616 |
| Total domestic deposits to total assets | 84.4819% | 2,640 |
| Equity capital to assets | 8.7464% | 4,295 |
| Core capital (leverage) ratio | 8.7330% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7377% | 2,981 |
| Memoranda: | ||
| Average total assets | $341,536,750 | 2,072 |
| Average earning assets | $322,482,750 | 2,043 |
| Average equity | $31,130,250 | 2,418 |
| Average total loans | $310,867,500 | 1,640 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 840 |
| Cost of funding earning assets | 0.9634% | 1,093 |
| Net interest margin | 4.0237% | 1,267 |
| Noninterest income to average assets | 0.4194% | 2,974 |
| Noninterest expense to average assets | 2.5650% | 2,778 |
| Loan and lease loss provision to assets | 0.1917% | 2,111 |
| Net operating income to assets | 1.4584% | 1,001 |
| Return on assets (ROA) | 1.4584% | 1,088 |
| Pretax return on assets | 1.4614% | 1,556 |
| Return on Equity (ROE) | 15.7680% | 607 |
| Retained earnings to average equity (ytd only) | 13.1119% | 345 |
| Net charge-offs to loans | 0.0092% | 2,615 |
| Credit loss provision to net charge-offs | 2,285.7143% | 435 |
| Earnings coverage of net charge-offs (x) | 197.0714% | 460 |
| Efficiency ratio | 60.8097% | 3,306 |
| Assets per employee ($millions) | 6.6855% | 1,649 |
| Cash dividends to net income (ytd only)* | 16.8447% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,395 |
| Loan loss allowance to noncurrent loans | 123.6756% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 1,590 |
| Noncurrent loans to loans | 0.8355% | 1,825 |
| Net loans and leases to total assets | 89.7980% | 33 |
| Net loans and leases to deposits | 106.5952% | 309 |
| Net loans and leases to core deposits | 114.6550% | 577 |
| Total domestic deposits to total assets | 84.2421% | 2,665 |
| Equity capital to assets | 8.8671% | 4,198 |
| Core capital (leverage) ratio | 9.0477% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7782% | 3,023 |
| Memoranda: | ||
| Average total assets | $333,797,333 | 2,075 |
| Average earning assets | $315,131,667 | 2,049 |
| Average equity | $30,872,667 | 2,418 |
| Average total loans | $305,411,333 | 1,647 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 1,063 |
| Cost of funding earning assets | 1.0489% | 1,222 |
| Net interest margin | 3.8999% | 1,674 |
| Noninterest income to average assets | 0.3848% | 3,204 |
| Noninterest expense to average assets | 2.7309% | 2,630 |
| Loan and lease loss provision to assets | 0.0250% | 3,486 |
| Net operating income to assets | 1.3030% | 1,241 |
| Return on assets (ROA) | 1.3030% | 1,332 |
| Pretax return on assets | 1.3030% | 1,862 |
| Return on Equity (ROE) | 13.7676% | 747 |
| Retained earnings to average equity (ytd only) | 8.3556% | 1,131 |
| Net charge-offs to loans | -0.0041% | 3,800 |
| Credit loss provision to net charge-offs | -666.6667% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2822% | 2,775 |
| Assets per employee ($millions) | 6.0181% | 1,668 |
| Cash dividends to net income (ytd only)* | 39.3097% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,452 |
| Loan loss allowance to noncurrent loans | 135.2813% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 1,837 |
| Noncurrent loans to loans | 0.7750% | 2,062 |
| Net loans and leases to total assets | 90.0888% | 32 |
| Net loans and leases to deposits | 108.7682% | 207 |
| Net loans and leases to core deposits | 118.7436% | 505 |
| Total domestic deposits to total assets | 82.8264% | 3,158 |
| Equity capital to assets | 9.4219% | 4,296 |
| Core capital (leverage) ratio | 9.6786% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1774% | 3,300 |
| Memoranda: | ||
| Average total assets | $320,187,000 | 2,092 |
| Average earning assets | $301,651,500 | 2,066 |
| Average equity | $30,303,000 | 2,435 |
| Average total loans | $294,331,000 | 1,666 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 1,219 |
| Cost of funding earning assets | 1.0475% | 1,524 |
| Net interest margin | 4.0514% | 1,683 |
| Noninterest income to average assets | 0.4720% | 2,890 |
| Noninterest expense to average assets | 2.6570% | 3,003 |
| Loan and lease loss provision to assets | 0.0815% | 2,374 |
| Net operating income to assets | 1.5381% | 967 |
| Return on assets (ROA) | 1.5381% | 1,024 |
| Pretax return on assets | 1.5394% | 1,686 |
| Return on Equity (ROE) | 16.4628% | 479 |
| Retained earnings to average equity (ytd only) | 7.8389% | 1,027 |
| Net charge-offs to loans | 0.0181% | 3,070 |
| Credit loss provision to net charge-offs | 490.1961% | 596 |
| Earnings coverage of net charge-offs (x) | 97.5098% | 691 |
| Efficiency ratio | 62.1105% | 3,361 |
| Assets per employee ($millions) | 5.6321% | 1,938 |
| Cash dividends to net income (ytd only)* | 52.3840% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,208 |
| Loan loss allowance to noncurrent loans | 142.6784% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 1,818 |
| Noncurrent loans to loans | 0.7370% | 2,038 |
| Net loans and leases to total assets | 91.8566% | 17 |
| Net loans and leases to deposits | 109.7481% | 195 |
| Net loans and leases to core deposits | 119.4520% | 492 |
| Total domestic deposits to total assets | 83.6977% | 2,953 |
| Equity capital to assets | 9.5077% | 4,349 |
| Core capital (leverage) ratio | 9.4245% | 4,140 |
| Tier 1 risk-based capital ratio | 10.0795% | 5,114 |
| Total risk-based capital ratio | 11.1145% | 5,102 |
| Memoranda: | ||
| Average total assets | $306,810,200 | 2,125 |
| Average earning assets | $288,221,400 | 2,096 |
| Average equity | $28,664,600 | 2,463 |
| Average total loans | $281,799,000 | 1,683 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 1,395 |
| Cost of funding earning assets | 1.0354% | 1,603 |
| Net interest margin | 4.0234% | 1,855 |
| Noninterest income to average assets | 0.4446% | 3,054 |
| Noninterest expense to average assets | 2.5667% | 3,252 |
| Loan and lease loss provision to assets | 0.0875% | 2,165 |
| Net operating income to assets | 1.5672% | 1,004 |
| Return on assets (ROA) | 1.5672% | 1,062 |
| Pretax return on assets | 1.5689% | 1,743 |
| Return on Equity (ROE) | 16.8510% | 493 |
| Retained earnings to average equity (ytd only) | 5.2186% | 2,787 |
| Net charge-offs to loans | -0.0124% | 4,445 |
| Credit loss provision to net charge-offs | -769.2308% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7772% | 3,510 |
| Assets per employee ($millions) | 5.3988% | 2,121 |
| Cash dividends to net income (ytd only)* | 69.0310% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,261 |
| Loan loss allowance to noncurrent loans | 140.5430% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 1,837 |
| Noncurrent loans to loans | 0.7503% | 2,086 |
| Net loans and leases to total assets | 91.5003% | 20 |
| Net loans and leases to deposits | 111.3469% | 198 |
| Net loans and leases to core deposits | 121.1997% | 498 |
| Total domestic deposits to total assets | 82.1759% | 3,424 |
| Equity capital to assets | 9.0566% | 4,754 |
| Core capital (leverage) ratio | 9.2284% | 4,452 |
| Tier 1 risk-based capital ratio | 9.5765% | 5,229 |
| Total risk-based capital ratio | 10.6077% | 5,232 |
| Memoranda: | ||
| Average total assets | $304,663,250 | 2,152 |
| Average earning assets | $286,121,250 | 2,124 |
| Average equity | $28,334,000 | 2,498 |
| Average total loans | $279,050,500 | 1,706 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 1,468 |
| Cost of funding earning assets | 1.0113% | 1,641 |
| Net interest margin | 3.9947% | 1,940 |
| Noninterest income to average assets | 0.4086% | 3,222 |
| Noninterest expense to average assets | 2.5750% | 3,266 |
| Loan and lease loss provision to assets | 0.0667% | 2,479 |
| Net operating income to assets | 1.5191% | 1,096 |
| Return on assets (ROA) | 1.5191% | 1,141 |
| Pretax return on assets | 1.5218% | 1,789 |
| Return on Equity (ROE) | 16.1845% | 564 |
| Retained earnings to average equity (ytd only) | 1.5339% | 4,277 |
| Net charge-offs to loans | -0.0102% | 4,335 |
| Credit loss provision to net charge-offs | -714.2857% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8476% | 3,456 |
| Assets per employee ($millions) | 6.1415% | 1,443 |
| Cash dividends to net income (ytd only)* | 90.5222% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,346 |
| Loan loss allowance to noncurrent loans | 130.1173% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 1,714 |
| Noncurrent loans to loans | 0.8052% | 1,984 |
| Net loans and leases to total assets | 92.0882% | 21 |
| Net loans and leases to deposits | 111.0562% | 199 |
| Net loans and leases to core deposits | 121.9737% | 490 |
| Total domestic deposits to total assets | 82.9204% | 3,226 |
| Equity capital to assets | 9.1079% | 4,735 |
| Core capital (leverage) ratio | 9.1845% | 4,481 |
| Tier 1 risk-based capital ratio | 9.6838% | 5,260 |
| Total risk-based capital ratio | 10.7214% | 5,260 |
| Memoranda: | ||
| Average total assets | $300,041,330 | 2,184 |
| Average earning assets | $282,022,000 | 2,154 |
| Average equity | $28,162,670 | 2,501 |
| Average total loans | $273,880,330 | 1,738 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 1,866 |
| Cost of funding earning assets | 0.9147% | 1,940 |
| Net interest margin | 3.8971% | 2,199 |
| Noninterest income to average assets | 0.3642% | 3,418 |
| Noninterest expense to average assets | 2.6251% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4002% | 1,380 |
| Return on assets (ROA) | 1.4002% | 1,412 |
| Pretax return on assets | 1.4002% | 2,083 |
| Return on Equity (ROE) | 14.6921% | 815 |
| Retained earnings to average equity (ytd only) | 14.6921% | 300 |
| Net charge-offs to loans | -0.0134% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2145% | 3,057 |
| Assets per employee ($millions) | 5.9335% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,416 |
| Loan loss allowance to noncurrent loans | 97.6022% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.0618% | 1,305 |
| Noncurrent loans to loans | 1.0750% | 1,551 |
| Net loans and leases to total assets | 91.8695% | 21 |
| Net loans and leases to deposits | 108.9959% | 247 |
| Net loans and leases to core deposits | 120.1622% | 526 |
| Total domestic deposits to total assets | 84.2871% | 2,954 |
| Equity capital to assets | 9.7026% | 4,091 |
| Core capital (leverage) ratio | 9.7627% | 3,856 |
| Tier 1 risk-based capital ratio | 10.1078% | 5,263 |
| Total risk-based capital ratio | 11.1230% | 5,264 |
| Memoranda: | ||
| Average total assets | $296,525,000 | 2,216 |
| Average earning assets | $278,566,500 | 2,187 |
| Average equity | $28,260,000 | 2,507 |
| Average total loans | $267,934,000 | 1,766 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 1,111 |
| Cost of funding earning assets | 0.8124% | 1,464 |
| Net interest margin | 4.1579% | 1,506 |
| Noninterest income to average assets | 0.5728% | 2,433 |
| Noninterest expense to average assets | 2.5932% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8685% | 483 |
| Return on assets (ROA) | 1.8685% | 482 |
| Pretax return on assets | 1.8699% | 768 |
| Return on Equity (ROE) | 19.3600% | 292 |
| Retained earnings to average equity (ytd only) | 7.5489% | 1,438 |
| Net charge-offs to loans | -0.0073% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1026% | 4,144 |
| Assets per employee ($millions) | 6.1745% | 1,402 |
| Cash dividends to net income (ytd only)* | 61.0080% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 3,064 |
| Loan loss allowance to noncurrent loans | 113.7441% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 1,506 |
| Noncurrent loans to loans | 0.9723% | 1,668 |
| Net loans and leases to total assets | 86.8981% | 179 |
| Net loans and leases to deposits | 100.7353% | 689 |
| Net loans and leases to core deposits | 112.5122% | 856 |
| Total domestic deposits to total assets | 86.2637% | 2,107 |
| Equity capital to assets | 9.3580% | 4,260 |
| Core capital (leverage) ratio | 9.4355% | 4,192 |
| Tier 1 risk-based capital ratio | 10.1151% | 5,274 |
| Total risk-based capital ratio | 11.1650% | 5,280 |
| Memoranda: | ||
| Average total assets | $282,473,000 | 2,255 |
| Average earning assets | $264,290,200 | 2,232 |
| Average equity | $27,262,400 | 2,500 |
| Average total loans | $260,189,800 | 1,781 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 900 |
| Cost of funding earning assets | 0.7732% | 1,460 |
| Net interest margin | 4.2494% | 1,236 |
| Noninterest income to average assets | 0.5625% | 2,509 |
| Noninterest expense to average assets | 2.5529% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9813% | 401 |
| Return on assets (ROA) | 1.9813% | 394 |
| Pretax return on assets | 1.9832% | 646 |
| Return on Equity (ROE) | 20.3648% | 248 |
| Retained earnings to average equity (ytd only) | 14.4705% | 206 |
| Net charge-offs to loans | -0.0036% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2790% | 4,350 |
| Assets per employee ($millions) | 6.0842% | 1,434 |
| Cash dividends to net income (ytd only)* | 28.9436% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,290 |
| Loan loss allowance to noncurrent loans | 93.9712% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 1,166 |
| Noncurrent loans to loans | 1.1515% | 1,470 |
| Net loans and leases to total assets | 89.7713% | 82 |
| Net loans and leases to deposits | 104.6988% | 508 |
| Net loans and leases to core deposits | 116.7556% | 679 |
| Total domestic deposits to total assets | 85.7425% | 2,303 |
| Equity capital to assets | 9.7976% | 3,821 |
| Core capital (leverage) ratio | 9.9178% | 3,723 |
| Tier 1 risk-based capital ratio | 10.2563% | 5,310 |
| Total risk-based capital ratio | 11.2840% | 5,320 |
| Memoranda: | ||
| Average total assets | $278,997,250 | 2,289 |
| Average earning assets | $260,890,250 | 2,265 |
| Average equity | $27,144,250 | 2,515 |
| Average total loans | $260,131,000 | 1,782 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 693 |
| Cost of funding earning assets | 0.7064% | 1,586 |
| Net interest margin | 4.3680% | 912 |
| Noninterest income to average assets | 0.5578% | 2,537 |
| Noninterest expense to average assets | 2.5028% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1453% | 279 |
| Return on assets (ROA) | 2.1453% | 274 |
| Pretax return on assets | 2.1482% | 435 |
| Return on Equity (ROE) | 22.1049% | 162 |
| Retained earnings to average equity (ytd only) | 13.1009% | 367 |
| Net charge-offs to loans | -0.0023% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8124% | 4,711 |
| Assets per employee ($millions) | 5.7157% | 1,707 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,348 |
| Loan loss allowance to noncurrent loans | 113.3808% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 1,266 |
| Noncurrent loans to loans | 0.9580% | 1,813 |
| Net loans and leases to total assets | 93.1192% | 16 |
| Net loans and leases to deposits | 112.2847% | 228 |
| Net loans and leases to core deposits | 118.2946% | 618 |
| Total domestic deposits to total assets | 82.9313% | 3,426 |
| Equity capital to assets | 9.7912% | 3,827 |
| Core capital (leverage) ratio | 9.8130% | 3,774 |
| Tier 1 risk-based capital ratio | 10.1988% | 5,373 |
| Total risk-based capital ratio | 11.2639% | 5,367 |
| Memoranda: | ||
| Average total assets | $274,649,000 | 2,317 |
| Average earning assets | $257,372,330 | 2,302 |
| Average equity | $26,654,670 | 2,553 |
| Average total loans | $258,495,330 | 1,802 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,433 |
| Cost of funding earning assets | 0.6552% | 1,695 |
| Net interest margin | 3.9955% | 1,737 |
| Noninterest income to average assets | 0.4354% | 3,200 |
| Noninterest expense to average assets | 2.4329% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7460% | 620 |
| Return on assets (ROA) | 1.7460% | 629 |
| Pretax return on assets | 1.7519% | 999 |
| Return on Equity (ROE) | 18.0732% | 402 |
| Retained earnings to average equity (ytd only) | 18.0732% | 152 |
| Net charge-offs to loans | -0.0031% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1371% | 4,320 |
| Assets per employee ($millions) | 5.5300% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,239 |
| Loan loss allowance to noncurrent loans | 56.6818% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.1740% | 486 |
| Noncurrent loans to loans | 1.9815% | 812 |
| Net loans and leases to total assets | 93.0151% | 13 |
| Net loans and leases to deposits | 109.6339% | 268 |
| Net loans and leases to core deposits | 118.9295% | 617 |
| Total domestic deposits to total assets | 84.8416% | 2,994 |
| Equity capital to assets | 9.9136% | 3,682 |
| Core capital (leverage) ratio | 9.8276% | 3,732 |
| Tier 1 risk-based capital ratio | 10.2851% | 5,419 |
| Total risk-based capital ratio | 11.3812% | 5,399 |
| Memoranda: | ||
| Average total assets | $271,939,500 | 2,355 |
| Average earning assets | $255,187,000 | 2,329 |
| Average equity | $26,271,000 | 2,595 |
| Average total loans | $255,912,500 | 1,825 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,331 |
| Cost of funding earning assets | 0.5666% | 1,844 |
| Net interest margin | 4.0746% | 1,521 |
| Noninterest income to average assets | 1.0125% | 990 |
| Noninterest expense to average assets | 2.9291% | 2,357 |
| Loan and lease loss provision to assets | 0.0571% | 3,087 |
| Net operating income to assets | 1.8694% | 362 |
| Return on assets (ROA) | 1.8694% | 370 |
| Pretax return on assets | 1.8709% | 647 |
| Return on Equity (ROE) | 19.3651% | 223 |
| Retained earnings to average equity (ytd only) | 5.1950% | 2,008 |
| Net charge-offs to loans | 0.0407% | 2,971 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 50.6700% | 1,075 |
| Efficiency ratio | 60.3055% | 4,216 |
| Assets per employee ($millions) | 5.5695% | 1,867 |
| Cash dividends to net income (ytd only)* | 73.1732% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,270 |
| Loan loss allowance to noncurrent loans | 62.3394% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9901% | 564 |
| Noncurrent loans to loans | 1.7870% | 897 |
| Net loans and leases to total assets | 93.0922% | 18 |
| Net loans and leases to deposits | 110.9464% | 245 |
| Net loans and leases to core deposits | 118.7550% | 624 |
| Total domestic deposits to total assets | 83.9073% | 3,241 |
| Equity capital to assets | 9.4094% | 4,315 |
| Core capital (leverage) ratio | 9.4069% | 4,151 |
| Tier 1 risk-based capital ratio | 9.8445% | 5,560 |
| Total risk-based capital ratio | 10.9417% | 5,554 |
| Memoranda: | ||
| Average total assets | $262,814,000 | 2,387 |
| Average earning assets | $247,973,400 | 2,361 |
| Average equity | $25,370,400 | 2,653 |
| Average total loans | $245,781,800 | 1,846 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 1,340 |
| Cost of funding earning assets | 0.5474% | 1,915 |
| Net interest margin | 4.0635% | 1,502 |
| Noninterest income to average assets | 1.1761% | 742 |
| Noninterest expense to average assets | 2.8270% | 2,638 |
| Loan and lease loss provision to assets | 0.0768% | 2,539 |
| Net operating income to assets | 2.1104% | 258 |
| Return on assets (ROA) | 2.1104% | 263 |
| Pretax return on assets | 2.1125% | 440 |
| Return on Equity (ROE) | 21.7180% | 148 |
| Retained earnings to average equity (ytd only) | 5.4031% | 2,601 |
| Net charge-offs to loans | 0.0477% | 2,486 |
| Credit loss provision to net charge-offs | 172.4138% | 1,518 |
| Earnings coverage of net charge-offs (x) | 49.1252% | 1,129 |
| Efficiency ratio | 56.3566% | 4,693 |
| Assets per employee ($millions) | 5.5646% | 1,865 |
| Cash dividends to net income (ytd only)* | 75.1212% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,334 |
| Loan loss allowance to noncurrent loans | 61.0792% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 622 |
| Noncurrent loans to loans | 1.8442% | 954 |
| Net loans and leases to total assets | 92.5524% | 23 |
| Net loans and leases to deposits | 114.8685% | 167 |
| Net loans and leases to core deposits | 125.1516% | 429 |
| Total domestic deposits to total assets | 80.5724% | 4,186 |
| Equity capital to assets | 9.3111% | 4,641 |
| Core capital (leverage) ratio | 9.4402% | 4,239 |
| Tier 1 risk-based capital ratio | 9.8479% | 5,621 |
| Total risk-based capital ratio | 10.9633% | 5,624 |
| Memoranda: | ||
| Average total assets | $260,290,750 | 2,427 |
| Average earning assets | $245,989,250 | 2,392 |
| Average equity | $25,293,250 | 2,682 |
| Average total loans | $242,998,000 | 1,871 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,355 |
| Cost of funding earning assets | 0.5268% | 1,946 |
| Net interest margin | 4.0346% | 1,503 |
| Noninterest income to average assets | 1.3530% | 581 |
| Noninterest expense to average assets | 2.9044% | 2,410 |
| Loan and lease loss provision to assets | 0.1171% | 1,757 |
| Net operating income to assets | 2.1494% | 238 |
| Return on assets (ROA) | 2.1494% | 245 |
| Pretax return on assets | 2.1525% | 394 |
| Return on Equity (ROE) | 21.7959% | 145 |
| Retained earnings to average equity (ytd only) | 17.5602% | 82 |
| Net charge-offs to loans | 0.0042% | 3,342 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 581.4000% | 140 |
| Efficiency ratio | 56.1340% | 4,816 |
| Assets per employee ($millions) | 5.4058% | 1,957 |
| Cash dividends to net income (ytd only)* | 19.4333% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,931 |
| Loan loss allowance to noncurrent loans | 83.6209% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 701 |
| Noncurrent loans to loans | 1.4522% | 1,304 |
| Net loans and leases to total assets | 92.6711% | 25 |
| Net loans and leases to deposits | 112.0648% | 225 |
| Net loans and leases to core deposits | 117.5048% | 661 |
| Total domestic deposits to total assets | 82.6942% | 3,660 |
| Equity capital to assets | 10.2439% | 3,626 |
| Core capital (leverage) ratio | 10.2139% | 3,253 |
| Tier 1 risk-based capital ratio | 10.9335% | 5,286 |
| Total risk-based capital ratio | 12.1496% | 5,216 |
| Memoranda: | ||
| Average total assets | $256,166,330 | 2,477 |
| Average earning assets | $242,602,330 | 2,427 |
| Average equity | $25,261,670 | 2,685 |
| Average total loans | $238,920,000 | 1,896 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,379 |
| Cost of funding earning assets | 0.5151% | 1,970 |
| Net interest margin | 3.9820% | 1,516 |
| Noninterest income to average assets | 0.5108% | 2,908 |
| Noninterest expense to average assets | 3.0914% | 1,889 |
| Loan and lease loss provision to assets | 0.1179% | 1,618 |
| Net operating income to assets | 1.0797% | 1,949 |
| Return on assets (ROA) | 1.0797% | 1,995 |
| Pretax return on assets | 1.0797% | 3,064 |
| Return on Equity (ROE) | 11.1698% | 1,510 |
| Retained earnings to average equity (ytd only) | 7.8368% | 1,530 |
| Net charge-offs to loans | 0.0135% | 2,531 |
| Credit loss provision to net charge-offs | 937.5000% | 346 |
| Earnings coverage of net charge-offs (x) | 95.2500% | 563 |
| Efficiency ratio | 72.0777% | 2,564 |
| Assets per employee ($millions) | 5.4104% | 1,972 |
| Cash dividends to net income (ytd only)* | 29.8399% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,070 |
| Loan loss allowance to noncurrent loans | 72.4390% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.1071% | 610 |
| Noncurrent loans to loans | 1.6701% | 1,154 |
| Net loans and leases to total assets | 92.4173% | 15 |
| Net loans and leases to deposits | 106.8229% | 293 |
| Net loans and leases to core deposits | 112.1908% | 762 |
| Total domestic deposits to total assets | 86.5145% | 2,433 |
| Equity capital to assets | 9.7700% | 4,003 |
| Core capital (leverage) ratio | 9.6566% | 3,917 |
| Tier 1 risk-based capital ratio | 10.4196% | 5,577 |
| Total risk-based capital ratio | 11.6267% | 5,524 |
| Memoranda: | ||
| Average total assets | $254,509,500 | 2,509 |
| Average earning assets | $241,489,000 | 2,460 |
| Average equity | $24,602,000 | 2,743 |
| Average total loans | $236,670,500 | 1,917 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 1,382 |
| Cost of funding earning assets | 0.5395% | 1,797 |
| Net interest margin | 4.0202% | 1,576 |
| Noninterest income to average assets | 0.6130% | 2,591 |
| Noninterest expense to average assets | 2.8487% | 2,848 |
| Loan and lease loss provision to assets | 0.1799% | 1,327 |
| Net operating income to assets | 1.4038% | 1,003 |
| Return on assets (ROA) | 1.4038% | 1,022 |
| Pretax return on assets | 1.4038% | 1,929 |
| Return on Equity (ROE) | 14.7318% | 662 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,249 |
| Net charge-offs to loans | 0.0623% | 2,815 |
| Credit loss provision to net charge-offs | 316.3121% | 940 |
| Earnings coverage of net charge-offs (x) | 27.8511% | 1,498 |
| Efficiency ratio | 64.2708% | 3,890 |
| Assets per employee ($millions) | 5.4198% | 1,935 |
| Cash dividends to net income (ytd only)* | 65.0962% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 3,158 |
| Loan loss allowance to noncurrent loans | 75.6255% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.0033% | 684 |
| Noncurrent loans to loans | 1.5786% | 1,251 |
| Net loans and leases to total assets | 91.3301% | 43 |
| Net loans and leases to deposits | 105.2054% | 381 |
| Net loans and leases to core deposits | 109.0622% | 956 |
| Total domestic deposits to total assets | 86.8112% | 2,239 |
| Equity capital to assets | 9.5630% | 4,206 |
| Core capital (leverage) ratio | 9.3776% | 4,251 |
| Tier 1 risk-based capital ratio | 10.1532% | 5,698 |
| Total risk-based capital ratio | 11.3248% | 5,670 |
| Memoranda: | ||
| Average total assets | $247,971,600 | 2,522 |
| Average earning assets | $235,586,800 | 2,475 |
| Average equity | $23,629,200 | 2,832 |
| Average total loans | $226,479,200 | 1,934 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,321 |
| Cost of funding earning assets | 0.5398% | 1,792 |
| Net interest margin | 4.0453% | 1,541 |
| Noninterest income to average assets | 0.6069% | 2,628 |
| Noninterest expense to average assets | 2.6614% | 3,463 |
| Loan and lease loss provision to assets | 0.1353% | 1,734 |
| Net operating income to assets | 1.6561% | 650 |
| Return on assets (ROA) | 1.6561% | 688 |
| Pretax return on assets | 1.6561% | 1,230 |
| Return on Equity (ROE) | 17.3952% | 404 |
| Retained earnings to average equity (ytd only) | 4.5095% | 3,129 |
| Net charge-offs to loans | -0.0048% | 4,609 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7690% | 4,577 |
| Assets per employee ($millions) | 5.5125% | 1,838 |
| Cash dividends to net income (ytd only)* | 74.0766% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,443 |
| Loan loss allowance to noncurrent loans | 164.2305% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 1,614 |
| Noncurrent loans to loans | 0.7103% | 2,905 |
| Net loans and leases to total assets | 92.3479% | 20 |
| Net loans and leases to deposits | 107.7306% | 316 |
| Net loans and leases to core deposits | 110.8165% | 872 |
| Total domestic deposits to total assets | 85.7211% | 2,496 |
| Equity capital to assets | 9.4413% | 4,723 |
| Core capital (leverage) ratio | 9.4998% | 4,184 |
| Tier 1 risk-based capital ratio | 10.1172% | 5,754 |
| Total risk-based capital ratio | 11.2853% | 5,732 |
| Memoranda: | ||
| Average total assets | $246,281,750 | 2,548 |
| Average earning assets | $234,140,250 | 2,485 |
| Average equity | $23,446,500 | 2,870 |
| Average total loans | $224,234,750 | 1,955 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 1,356 |
| Cost of funding earning assets | 0.5421% | 1,765 |
| Net interest margin | 4.0176% | 1,591 |
| Noninterest income to average assets | 0.5544% | 2,880 |
| Noninterest expense to average assets | 2.6549% | 3,532 |
| Loan and lease loss provision to assets | 0.1230% | 1,850 |
| Net operating income to assets | 1.6002% | 723 |
| Return on assets (ROA) | 1.6002% | 769 |
| Pretax return on assets | 1.6002% | 1,376 |
| Return on Equity (ROE) | 16.7600% | 460 |
| Retained earnings to average equity (ytd only) | 1.7610% | 4,679 |
| Net charge-offs to loans | -0.0045% | 4,499 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6407% | 4,560 |
| Assets per employee ($millions) | 5.3570% | 1,930 |
| Cash dividends to net income (ytd only)* | 89.4926% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 3,461 |
| Loan loss allowance to noncurrent loans | 152.4355% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2876% | 1,573 |
| Noncurrent loans to loans | 0.7747% | 2,811 |
| Net loans and leases to total assets | 90.3332% | 61 |
| Net loans and leases to deposits | 104.2491% | 450 |
| Net loans and leases to core deposits | 107.7517% | 1,049 |
| Total domestic deposits to total assets | 86.6514% | 2,084 |
| Equity capital to assets | 9.4772% | 4,791 |
| Core capital (leverage) ratio | 9.4140% | 4,317 |
| Tier 1 risk-based capital ratio | 10.3562% | 5,741 |
| Total risk-based capital ratio | 11.5360% | 5,683 |
| Memoranda: | ||
| Average total assets | $243,850,000 | 2,580 |
| Average earning assets | $232,079,670 | 2,515 |
| Average equity | $23,281,670 | 2,890 |
| Average total loans | $220,000,670 | 1,982 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,433 |
| Cost of funding earning assets | 0.5508% | 1,703 |
| Net interest margin | 3.9768% | 1,685 |
| Noninterest income to average assets | 0.4980% | 3,128 |
| Noninterest expense to average assets | 2.5132% | 4,028 |
| Loan and lease loss provision to assets | 0.1237% | 1,709 |
| Net operating income to assets | 1.6474% | 640 |
| Return on assets (ROA) | 1.6474% | 680 |
| Pretax return on assets | 1.6474% | 1,185 |
| Return on Equity (ROE) | 17.1904% | 414 |
| Retained earnings to average equity (ytd only) | 3.4243% | 3,793 |
| Net charge-offs to loans | -0.0074% | 4,410 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6605% | 4,920 |
| Assets per employee ($millions) | 5.1599% | 2,179 |
| Cash dividends to net income (ytd only)* | 80.0801% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 3,522 |
| Loan loss allowance to noncurrent loans | 88.1651% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8052% | 1,030 |
| Noncurrent loans to loans | 1.3533% | 1,763 |
| Net loans and leases to total assets | 88.2684% | 103 |
| Net loans and leases to deposits | 101.5633% | 529 |
| Net loans and leases to core deposits | 104.5010% | 1,159 |
| Total domestic deposits to total assets | 86.9097% | 2,250 |
| Equity capital to assets | 9.6266% | 4,539 |
| Core capital (leverage) ratio | 9.4899% | 4,210 |
| Tier 1 risk-based capital ratio | 10.7657% | 5,628 |
| Total risk-based capital ratio | 11.9579% | 5,568 |
| Memoranda: | ||
| Average total assets | $242,564,000 | 2,601 |
| Average earning assets | $230,937,500 | 2,541 |
| Average equity | $23,245,500 | 2,900 |
| Average total loans | $217,370,500 | 2,007 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 952 |
| Cost of funding earning assets | 0.6119% | 1,301 |
| Net interest margin | 4.1703% | 1,233 |
| Noninterest income to average assets | 0.5947% | 2,742 |
| Noninterest expense to average assets | 2.7233% | 3,506 |
| Loan and lease loss provision to assets | 0.0851% | 2,590 |
| Net operating income to assets | 1.7348% | 540 |
| Return on assets (ROA) | 1.7348% | 565 |
| Pretax return on assets | 1.7348% | 920 |
| Return on Equity (ROE) | 18.1733% | 367 |
| Retained earnings to average equity (ytd only) | 7.9160% | 944 |
| Net charge-offs to loans | 0.0027% | 4,375 |
| Credit loss provision to net charge-offs | 3,333.3333% | 115 |
| Earnings coverage of net charge-offs (x) | 712.5000% | 89 |
| Efficiency ratio | 59.9419% | 4,915 |
| Assets per employee ($millions) | 5.2742% | 2,033 |
| Cash dividends to net income (ytd only)* | 56.4417% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 3,761 |
| Loan loss allowance to noncurrent loans | 178.2361% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 1,853 |
| Noncurrent loans to loans | 0.6447% | 3,248 |
| Net loans and leases to total assets | 88.8600% | 97 |
| Net loans and leases to deposits | 102.2714% | 531 |
| Net loans and leases to core deposits | 107.0596% | 1,042 |
| Total domestic deposits to total assets | 86.8865% | 2,199 |
| Equity capital to assets | 9.5399% | 4,506 |
| Core capital (leverage) ratio | 9.4494% | 4,250 |
| Tier 1 risk-based capital ratio | 10.6500% | 5,702 |
| Total risk-based capital ratio | 11.8032% | 5,670 |
| Memoranda: | ||
| Average total assets | $234,900,800 | 2,624 |
| Average earning assets | $222,407,600 | 2,563 |
| Average equity | $22,423,000 | 2,923 |
| Average total loans | $219,614,400 | 1,927 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 863 |
| Cost of funding earning assets | 0.6276% | 1,231 |
| Net interest margin | 4.2166% | 1,131 |
| Noninterest income to average assets | 0.5940% | 2,777 |
| Noninterest expense to average assets | 2.6766% | 3,649 |
| Loan and lease loss provision to assets | 0.1145% | 1,973 |
| Net operating income to assets | 1.7901% | 531 |
| Return on assets (ROA) | 1.7901% | 555 |
| Pretax return on assets | 1.7901% | 920 |
| Return on Equity (ROE) | 18.7504% | 353 |
| Retained earnings to average equity (ytd only) | 11.1376% | 455 |
| Net charge-offs to loans | -0.0618% | 5,613 |
| Credit loss provision to net charge-offs | -196.0784% | 5,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4260% | 5,067 |
| Assets per employee ($millions) | 5.2364% | 2,024 |
| Cash dividends to net income (ytd only)* | 40.6010% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 3,690 |
| Loan loss allowance to noncurrent loans | 162.9676% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3427% | 1,745 |
| Noncurrent loans to loans | 0.7332% | 3,134 |
| Net loans and leases to total assets | 91.7309% | 32 |
| Net loans and leases to deposits | 106.1307% | 362 |
| Net loans and leases to core deposits | 111.0745% | 812 |
| Total domestic deposits to total assets | 86.4320% | 2,315 |
| Equity capital to assets | 9.8576% | 4,333 |
| Core capital (leverage) ratio | 9.6712% | 4,074 |
| Tier 1 risk-based capital ratio | 10.6359% | 5,828 |
| Total risk-based capital ratio | 11.8329% | 5,773 |
| Memoranda: | ||
| Average total assets | $232,972,750 | 2,663 |
| Average earning assets | $220,298,500 | 2,603 |
| Average equity | $22,242,500 | 2,960 |
| Average total loans | $219,995,000 | 1,930 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 846 |
| Cost of funding earning assets | 0.6321% | 1,218 |
| Net interest margin | 4.1963% | 1,114 |
| Noninterest income to average assets | 0.5377% | 3,121 |
| Noninterest expense to average assets | 2.5853% | 3,956 |
| Loan and lease loss provision to assets | 0.0862% | 2,385 |
| Net operating income to assets | 1.8364% | 473 |
| Return on assets (ROA) | 1.8364% | 499 |
| Pretax return on assets | 1.8364% | 835 |
| Return on Equity (ROE) | 19.4488% | 298 |
| Retained earnings to average equity (ytd only) | 7.8580% | 1,322 |
| Net charge-offs to loans | -0.0889% | 5,742 |
| Credit loss provision to net charge-offs | -102.0408% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3504% | 5,302 |
| Assets per employee ($millions) | 5.2478% | 1,987 |
| Cash dividends to net income (ytd only)* | 59.5964% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 4,247 |
| Loan loss allowance to noncurrent loans | 174.0638% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3923% | 1,801 |
| Noncurrent loans to loans | 0.6404% | 3,555 |
| Net loans and leases to total assets | 94.2871% | 8 |
| Net loans and leases to deposits | 111.7289% | 227 |
| Net loans and leases to core deposits | 114.1630% | 659 |
| Total domestic deposits to total assets | 84.3892% | 3,403 |
| Equity capital to assets | 9.4135% | 4,762 |
| Core capital (leverage) ratio | 9.4974% | 4,287 |
| Tier 1 risk-based capital ratio | 9.9382% | 6,107 |
| Total risk-based capital ratio | 11.0603% | 6,096 |
| Memoranda: | ||
| Average total assets | $232,085,000 | 2,687 |
| Average earning assets | $219,574,330 | 2,625 |
| Average equity | $21,914,000 | 3,005 |
| Average total loans | $220,405,000 | 1,937 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 852 |
| Cost of funding earning assets | 0.6384% | 1,188 |
| Net interest margin | 4.1687% | 1,134 |
| Noninterest income to average assets | 0.5147% | 3,190 |
| Noninterest expense to average assets | 2.4812% | 4,320 |
| Loan and lease loss provision to assets | 0.1739% | 1,130 |
| Net operating income to assets | 1.7996% | 483 |
| Return on assets (ROA) | 1.7996% | 509 |
| Pretax return on assets | 1.7996% | 864 |
| Return on Equity (ROE) | 19.0292% | 321 |
| Retained earnings to average equity (ytd only) | 14.0651% | 357 |
| Net charge-offs to loans | -0.0037% | 4,433 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6987% | 5,539 |
| Assets per employee ($millions) | 4.8571% | 2,549 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 4,464 |
| Loan loss allowance to noncurrent loans | 235.5122% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 1,990 |
| Noncurrent loans to loans | 0.4712% | 4,168 |
| Net loans and leases to total assets | 94.2226% | 8 |
| Net loans and leases to deposits | 108.5313% | 244 |
| Net loans and leases to core deposits | 112.9949% | 610 |
| Total domestic deposits to total assets | 86.8160% | 2,475 |
| Equity capital to assets | 9.6975% | 4,514 |
| Core capital (leverage) ratio | 9.4836% | 4,304 |
| Tier 1 risk-based capital ratio | 10.2626% | 6,095 |
| Total risk-based capital ratio | 11.3819% | 6,081 |
| Memoranda: | ||
| Average total assets | $230,052,000 | 2,721 |
| Average earning assets | $217,428,000 | 2,669 |
| Average equity | $21,756,000 | 3,043 |
| Average total loans | $218,022,500 | 1,951 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 867 |
| Cost of funding earning assets | 0.6853% | 1,178 |
| Net interest margin | 4.2493% | 1,164 |
| Noninterest income to average assets | 0.5069% | 3,452 |
| Noninterest expense to average assets | 2.7197% | 3,795 |
| Loan and lease loss provision to assets | 0.1366% | 1,925 |
| Net operating income to assets | 1.6425% | 651 |
| Return on assets (ROA) | 1.6425% | 675 |
| Pretax return on assets | 1.6470% | 1,103 |
| Return on Equity (ROE) | 17.1097% | 479 |
| Retained earnings to average equity (ytd only) | 2.9275% | 4,160 |
| Net charge-offs to loans | 0.1908% | 2,140 |
| Credit loss provision to net charge-offs | 77.3196% | 2,919 |
| Earnings coverage of net charge-offs (x) | 10.0928% | 2,657 |
| Efficiency ratio | 60.3924% | 5,165 |
| Assets per employee ($millions) | 4.9323% | 2,410 |
| Cash dividends to net income (ytd only)* | 82.8896% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,776 |
| Loan loss allowance to noncurrent loans | 125.5839% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 2,000 |
| Noncurrent loans to loans | 0.8424% | 3,211 |
| Net loans and leases to total assets | 93.2723% | 12 |
| Net loans and leases to deposits | 109.5582% | 253 |
| Net loans and leases to core deposits | 113.4546% | 625 |
| Total domestic deposits to total assets | 85.1350% | 3,233 |
| Equity capital to assets | 9.2201% | 5,045 |
| Core capital (leverage) ratio | 9.1585% | 4,738 |
| Tier 1 risk-based capital ratio | 10.0727% | 6,238 |
| Total risk-based capital ratio | 11.1625% | 6,239 |
| Memoranda: | ||
| Average total assets | $219,549,000 | 2,791 |
| Average earning assets | $206,481,000 | 2,738 |
| Average equity | $21,075,800 | 3,045 |
| Average total loans | $203,372,600 | 2,011 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 875 |
| Cost of funding earning assets | 0.6888% | 1,208 |
| Net interest margin | 4.2409% | 1,181 |
| Noninterest income to average assets | 0.4896% | 3,614 |
| Noninterest expense to average assets | 2.6453% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8255% | 491 |
| Return on assets (ROA) | 1.8255% | 505 |
| Pretax return on assets | 1.8298% | 834 |
| Return on Equity (ROE) | 18.8175% | 369 |
| Retained earnings to average equity (ytd only) | 4.9202% | 3,137 |
| Net charge-offs to loans | -0.1316% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1109% | 5,300 |
| Assets per employee ($millions) | 4.8327% | 2,475 |
| Cash dividends to net income (ytd only)* | 73.8528% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 4,157 |
| Loan loss allowance to noncurrent loans | 174.8822% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 2,435 |
| Noncurrent loans to loans | 0.6938% | 3,876 |
| Net loans and leases to total assets | 93.0945% | 16 |
| Net loans and leases to deposits | 114.3157% | 147 |
| Net loans and leases to core deposits | 118.0149% | 436 |
| Total domestic deposits to total assets | 81.4363% | 4,686 |
| Equity capital to assets | 9.4789% | 4,819 |
| Core capital (leverage) ratio | 9.4118% | 4,495 |
| Tier 1 risk-based capital ratio | 10.2827% | 6,271 |
| Total risk-based capital ratio | 11.4822% | 6,253 |
| Memoranda: | ||
| Average total assets | $216,481,500 | 2,843 |
| Average earning assets | $203,443,750 | 2,788 |
| Average equity | $21,001,250 | 3,063 |
| Average total loans | $199,582,000 | 2,052 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 989 |
| Cost of funding earning assets | 0.6992% | 1,192 |
| Net interest margin | 4.1505% | 1,381 |
| Noninterest income to average assets | 0.4208% | 4,090 |
| Noninterest expense to average assets | 2.6290% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6869% | 587 |
| Return on assets (ROA) | 1.6869% | 625 |
| Pretax return on assets | 1.6888% | 1,042 |
| Return on Equity (ROE) | 17.2485% | 529 |
| Retained earnings to average equity (ytd only) | 1.8439% | 4,965 |
| Net charge-offs to loans | -0.1571% | 6,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8875% | 5,158 |
| Assets per employee ($millions) | 4.6281% | 2,730 |
| Cash dividends to net income (ytd only)* | 89.3096% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,151 |
| Loan loss allowance to noncurrent loans | 187.5827% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 2,581 |
| Noncurrent loans to loans | 0.6670% | 4,043 |
| Net loans and leases to total assets | 92.6301% | 18 |
| Net loans and leases to deposits | 110.9845% | 183 |
| Net loans and leases to core deposits | 115.0163% | 500 |
| Total domestic deposits to total assets | 83.4622% | 4,126 |
| Equity capital to assets | 9.6304% | 4,586 |
| Core capital (leverage) ratio | 9.7211% | 4,009 |
| Tier 1 risk-based capital ratio | 10.4061% | 6,280 |
| Total risk-based capital ratio | 11.6562% | 6,232 |
| Memoranda: | ||
| Average total assets | $212,929,670 | 2,885 |
| Average earning assets | $199,929,000 | 2,835 |
| Average equity | $20,825,000 | 3,081 |
| Average total loans | $194,759,670 | 2,091 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,108 |
| Cost of funding earning assets | 0.6957% | 1,272 |
| Net interest margin | 4.0731% | 1,536 |
| Noninterest income to average assets | 0.4292% | 3,954 |
| Noninterest expense to average assets | 2.7004% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5496% | 735 |
| Return on assets (ROA) | 1.5496% | 767 |
| Pretax return on assets | 1.5534% | 1,283 |
| Return on Equity (ROE) | 15.7199% | 676 |
| Retained earnings to average equity (ytd only) | 0.2312% | 5,480 |
| Net charge-offs to loans | -0.0021% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4821% | 4,939 |
| Assets per employee ($millions) | 4.5704% | 2,854 |
| Cash dividends to net income (ytd only)* | 98.5294% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,396 |
| Loan loss allowance to noncurrent loans | 150.5956% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 2,410 |
| Noncurrent loans to loans | 0.8281% | 3,812 |
| Net loans and leases to total assets | 90.4736% | 38 |
| Net loans and leases to deposits | 104.2018% | 284 |
| Net loans and leases to core deposits | 107.3287% | 703 |
| Total domestic deposits to total assets | 86.8253% | 2,925 |
| Equity capital to assets | 9.8808% | 3,979 |
| Core capital (leverage) ratio | 9.7353% | 3,944 |
| Tier 1 risk-based capital ratio | 10.7194% | 6,270 |
| Total risk-based capital ratio | 11.9594% | 6,232 |
| Memoranda: | ||
| Average total assets | $210,634,500 | 2,923 |
| Average earning assets | $197,786,500 | 2,873 |
| Average equity | $20,763,500 | 3,086 |
| Average total loans | $190,118,500 | 2,135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 1,077 |
| Cost of funding earning assets | 0.9509% | 572 |
| Net interest margin | 3.9590% | 2,076 |
| Noninterest income to average assets | 0.6346% | 2,891 |
| Noninterest expense to average assets | 2.6924% | 4,125 |
| Loan and lease loss provision to assets | 0.1517% | 2,383 |
| Net operating income to assets | 1.4786% | 861 |
| Return on assets (ROA) | 1.4786% | 907 |
| Pretax return on assets | 1.4810% | 1,505 |
| Return on Equity (ROE) | 15.4851% | 688 |
| Retained earnings to average equity (ytd only) | 7.1198% | 1,392 |
| Net charge-offs to loans | 0.1679% | 3,139 |
| Credit loss provision to net charge-offs | 103.2787% | 2,346 |
| Earnings coverage of net charge-offs (x) | 11.1180% | 2,274 |
| Efficiency ratio | 62.2509% | 5,169 |
| Assets per employee ($millions) | 4.7962% | 2,453 |
| Cash dividends to net income (ytd only)* | 54.0215% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 4,250 |
| Loan loss allowance to noncurrent loans | 151.8987% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4581% | 2,554 |
| Noncurrent loans to loans | 0.8421% | 3,877 |
| Net loans and leases to total assets | 87.7715% | 97 |
| Net loans and leases to deposits | 100.9159% | 440 |
| Net loans and leases to core deposits | 105.0165% | 854 |
| Total domestic deposits to total assets | 86.9750% | 2,738 |
| Equity capital to assets | 9.8345% | 3,981 |
| Core capital (leverage) ratio | 9.5084% | 4,248 |
| Tier 1 risk-based capital ratio | 10.8079% | 6,261 |
| Total risk-based capital ratio | 12.0579% | 6,210 |
| Memoranda: | ||
| Average total assets | $207,695,200 | 2,938 |
| Average earning assets | $193,607,400 | 2,909 |
| Average equity | $19,832,000 | 3,169 |
| Average total loans | $181,636,200 | 2,176 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 1,047 |
| Cost of funding earning assets | 0.9441% | 663 |
| Net interest margin | 3.9957% | 1,961 |
| Noninterest income to average assets | 0.5724% | 3,316 |
| Noninterest expense to average assets | 2.6362% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6462% | 690 |
| Return on assets (ROA) | 1.6462% | 726 |
| Pretax return on assets | 1.6487% | 1,222 |
| Return on Equity (ROE) | 17.3724% | 503 |
| Retained earnings to average equity (ytd only) | 6.0878% | 2,354 |
| Net charge-offs to loans | -0.0481% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5223% | 5,204 |
| Assets per employee ($millions) | 5.0802% | 2,077 |
| Cash dividends to net income (ytd only)* | 64.9568% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,353 |
| Loan loss allowance to noncurrent loans | 209.1141% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 2,714 |
| Noncurrent loans to loans | 0.6249% | 4,643 |
| Net loans and leases to total assets | 84.8743% | 194 |
| Net loans and leases to deposits | 100.7526% | 444 |
| Net loans and leases to core deposits | 104.8024% | 833 |
| Total domestic deposits to total assets | 84.2403% | 4,091 |
| Equity capital to assets | 9.2667% | 4,842 |
| Core capital (leverage) ratio | 9.4983% | 4,409 |
| Tier 1 risk-based capital ratio | 10.4871% | 6,454 |
| Total risk-based capital ratio | 11.7373% | 6,428 |
| Memoranda: | ||
| Average total assets | $206,861,000 | 2,966 |
| Average earning assets | $192,204,000 | 2,948 |
| Average equity | $19,601,500 | 3,230 |
| Average total loans | $180,138,750 | 2,199 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 1,083 |
| Cost of funding earning assets | 0.9729% | 630 |
| Net interest margin | 3.9329% | 2,100 |
| Noninterest income to average assets | 0.5379% | 3,580 |
| Noninterest expense to average assets | 2.6650% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5301% | 852 |
| Return on assets (ROA) | 1.5301% | 919 |
| Pretax return on assets | 1.5330% | 1,530 |
| Return on Equity (ROE) | 16.0205% | 667 |
| Retained earnings to average equity (ytd only) | 3.0329% | 4,388 |
| Net charge-offs to loans | -0.0676% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4828% | 4,936 |
| Assets per employee ($millions) | 4.5452% | 2,748 |
| Cash dividends to net income (ytd only)* | 81.0689% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 4,338 |
| Loan loss allowance to noncurrent loans | 168.3379% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9347% | 2,243 |
| Noncurrent loans to loans | 0.7933% | 4,326 |
| Net loans and leases to total assets | 88.5314% | 74 |
| Net loans and leases to deposits | 106.5874% | 211 |
| Net loans and leases to core deposits | 111.2144% | 515 |
| Total domestic deposits to total assets | 83.0599% | 4,679 |
| Equity capital to assets | 9.6038% | 4,448 |
| Core capital (leverage) ratio | 9.5098% | 4,235 |
| Tier 1 risk-based capital ratio | 10.8063% | 6,413 |
| Total risk-based capital ratio | 12.0546% | 6,381 |
| Memoranda: | ||
| Average total assets | $202,998,330 | 3,037 |
| Average earning assets | $188,921,330 | 3,008 |
| Average equity | $19,387,670 | 3,283 |
| Average total loans | $177,564,330 | 2,225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 1,126 |
| Cost of funding earning assets | 0.9719% | 697 |
| Net interest margin | 3.9112% | 2,082 |
| Noninterest income to average assets | 0.5340% | 3,542 |
| Noninterest expense to average assets | 2.6643% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4894% | 878 |
| Return on assets (ROA) | 1.4894% | 956 |
| Pretax return on assets | 1.4914% | 1,581 |
| Return on Equity (ROE) | 15.6386% | 657 |
| Retained earnings to average equity (ytd only) | -4.2783% | 6,306 |
| Net charge-offs to loans | -0.0092% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1123% | 4,994 |
| Assets per employee ($millions) | 4.4598% | 3,050 |
| Cash dividends to net income (ytd only)* | 127.3572% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,379 |
| Loan loss allowance to noncurrent loans | 206.8221% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8257% | 2,578 |
| Noncurrent loans to loans | 0.6624% | 4,797 |
| Net loans and leases to total assets | 85.9078% | 124 |
| Net loans and leases to deposits | 103.0304% | 249 |
| Net loans and leases to core deposits | 107.4707% | 583 |
| Total domestic deposits to total assets | 83.3811% | 4,720 |
| Equity capital to assets | 9.5449% | 4,789 |
| Core capital (leverage) ratio | 9.4594% | 4,147 |
| Tier 1 risk-based capital ratio | 10.9781% | 6,417 |
| Total risk-based capital ratio | 12.2295% | 6,387 |
| Memoranda: | ||
| Average total assets | $202,231,000 | 3,076 |
| Average earning assets | $187,259,500 | 3,052 |
| Average equity | $19,260,000 | 3,341 |
| Average total loans | $174,583,000 | 2,276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 891 |
| Cost of funding earning assets | 1.1466% | 746 |
| Net interest margin | 4.1733% | 1,733 |
| Noninterest income to average assets | 0.3360% | 5,055 |
| Noninterest expense to average assets | 2.7616% | 4,178 |
| Loan and lease loss provision to assets | 0.2127% | 3,018 |
| Net operating income to assets | 1.2206% | 1,531 |
| Return on assets (ROA) | 1.2206% | 1,701 |
| Pretax return on assets | 1.2232% | 2,713 |
| Return on Equity (ROE) | 12.5485% | 1,346 |
| Retained earnings to average equity (ytd only) | 7.8970% | 1,155 |
| Net charge-offs to loans | 0.2003% | 3,776 |
| Credit loss provision to net charge-offs | 119.5906% | 2,398 |
| Earnings coverage of net charge-offs (x) | 8.0731% | 2,478 |
| Efficiency ratio | 65.7911% | 4,545 |
| Assets per employee ($millions) | 4.4298% | 3,092 |
| Cash dividends to net income (ytd only)* | 37.0686% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,303 |
| Loan loss allowance to noncurrent loans | 193.6032% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.8806% | 2,598 |
| Noncurrent loans to loans | 0.7083% | 4,771 |
| Net loans and leases to total assets | 84.3941% | 198 |
| Net loans and leases to deposits | 100.9036% | 380 |
| Net loans and leases to core deposits | 106.0032% | 695 |
| Total domestic deposits to total assets | 83.6383% | 4,479 |
| Equity capital to assets | 9.5029% | 4,871 |
| Core capital (leverage) ratio | 9.6076% | 3,951 |
| Tier 1 risk-based capital ratio | 11.0295% | 6,340 |
| Total risk-based capital ratio | 12.2808% | 6,308 |
| Memoranda: | ||
| Average total assets | $192,279,400 | 3,147 |
| Average earning assets | $177,917,200 | 3,118 |
| Average equity | $18,703,400 | 3,373 |
| Average total loans | $170,757,000 | 2,307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 819 |
| Cost of funding earning assets | 1.1782% | 766 |
| Net interest margin | 4.2326% | 1,637 |
| Noninterest income to average assets | 0.2288% | 5,911 |
| Noninterest expense to average assets | 2.7594% | 4,140 |
| Loan and lease loss provision to assets | 0.2886% | 2,267 |
| Net operating income to assets | 1.0974% | 2,099 |
| Return on assets (ROA) | 1.0974% | 2,299 |
| Pretax return on assets | 1.1002% | 3,349 |
| Return on Equity (ROE) | 11.2125% | 1,885 |
| Retained earnings to average equity (ytd only) | 8.9183% | 1,259 |
| Net charge-offs to loans | 0.2598% | 3,168 |
| Credit loss provision to net charge-offs | 123.8671% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.9608% | 2,883 |
| Efficiency ratio | 66.5196% | 4,351 |
| Assets per employee ($millions) | 4.2771% | 3,325 |
| Cash dividends to net income (ytd only)* | 20.4618% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 4,466 |
| Loan loss allowance to noncurrent loans | 132.7805% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 2.0653% | 2,568 |
| Noncurrent loans to loans | 1.0388% | 4,366 |
| Net loans and leases to total assets | 89.2289% | 65 |
| Net loans and leases to deposits | 108.0650% | 192 |
| Net loans and leases to core deposits | 112.9216% | 466 |
| Total domestic deposits to total assets | 82.5697% | 4,806 |
| Equity capital to assets | 9.9408% | 4,586 |
| Core capital (leverage) ratio | 9.8027% | 3,814 |
| Tier 1 risk-based capital ratio | 11.1134% | 6,437 |
| Total risk-based capital ratio | 12.3690% | 6,404 |
| Memoranda: | ||
| Average total assets | $189,407,000 | 3,214 |
| Average earning assets | $175,398,000 | 3,191 |
| Average equity | $18,538,250 | 3,428 |
| Average total loans | $169,856,250 | 2,339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 853 |
| Cost of funding earning assets | 1.2023% | 808 |
| Net interest margin | 4.2069% | 1,731 |
| Noninterest income to average assets | 0.1677% | 6,341 |
| Noninterest expense to average assets | 2.7815% | 4,090 |
| Loan and lease loss provision to assets | 0.1996% | 3,087 |
| Net operating income to assets | 1.0691% | 2,168 |
| Return on assets (ROA) | 1.0691% | 2,395 |
| Pretax return on assets | 1.0723% | 3,404 |
| Return on Equity (ROE) | 10.9815% | 2,000 |
| Retained earnings to average equity (ytd only) | 8.5932% | 1,418 |
| Net charge-offs to loans | -0.0119% | 6,312 |
| Credit loss provision to net charge-offs | -1,880.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6223% | 4,017 |
| Assets per employee ($millions) | 4.4988% | 2,905 |
| Cash dividends to net income (ytd only)* | 21.7478% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,225 |
| Loan loss allowance to noncurrent loans | 91.2052% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.7858% | 1,977 |
| Noncurrent loans to loans | 1.5960% | 3,516 |
| Net loans and leases to total assets | 88.1917% | 73 |
| Net loans and leases to deposits | 106.9543% | 205 |
| Net loans and leases to core deposits | 111.5437% | 521 |
| Total domestic deposits to total assets | 82.4573% | 4,964 |
| Equity capital to assets | 9.6538% | 4,824 |
| Core capital (leverage) ratio | 9.7829% | 3,738 |
| Tier 1 risk-based capital ratio | 10.8033% | 6,580 |
| Total risk-based capital ratio | 12.0556% | 6,563 |
| Memoranda: | ||
| Average total assets | $188,386,330 | 3,237 |
| Average earning assets | $173,998,670 | 3,218 |
| Average equity | $18,340,000 | 3,448 |
| Average total loans | $168,428,330 | 2,367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 812 |
| Cost of funding earning assets | 1.2414% | 806 |
| Net interest margin | 4.2180% | 1,713 |
| Noninterest income to average assets | 0.3573% | 5,013 |
| Noninterest expense to average assets | 2.8302% | 3,901 |
| Loan and lease loss provision to assets | 0.2690% | 2,305 |
| Net operating income to assets | 1.1536% | 1,872 |
| Return on assets (ROA) | 1.1536% | 2,051 |
| Pretax return on assets | 1.1557% | 3,088 |
| Return on Equity (ROE) | 11.7980% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.7980% | 856 |
| Net charge-offs to loans | -0.0241% | 6,244 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5149% | 4,460 |
| Assets per employee ($millions) | 4.2785% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 4,336 |
| Loan loss allowance to noncurrent loans | 92.6848% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 3.2755% | 1,764 |
| Noncurrent loans to loans | 1.5755% | 3,747 |
| Net loans and leases to total assets | 90.1611% | 38 |
| Net loans and leases to deposits | 110.8051% | 127 |
| Net loans and leases to core deposits | 115.5515% | 393 |
| Total domestic deposits to total assets | 81.3691% | 5,507 |
| Equity capital to assets | 10.0226% | 4,099 |
| Core capital (leverage) ratio | 9.8022% | 3,638 |
| Tier 1 risk-based capital ratio | 10.8995% | 6,578 |
| Total risk-based capital ratio | 12.1518% | 6,566 |
| Memoranda: | ||
| Average total assets | $185,855,500 | 3,285 |
| Average earning assets | $171,741,500 | 3,257 |
| Average equity | $18,172,500 | 3,470 |
| Average total loans | $166,080,000 | 2,405 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6711% | 827 |
| Cost of funding earning assets | 1.5299% | 637 |
| Net interest margin | 4.1412% | 2,263 |
| Noninterest income to average assets | 0.1014% | 6,634 |
| Noninterest expense to average assets | 2.7200% | 4,670 |
| Loan and lease loss provision to assets | 0.3858% | 2,677 |
| Net operating income to assets | 0.8212% | 2,949 |
| Return on assets (ROA) | 0.8212% | 3,112 |
| Pretax return on assets | 0.8240% | 3,896 |
| Return on Equity (ROE) | 8.4056% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.2931% | 3,125 |
| Net charge-offs to loans | 0.3118% | 3,841 |
| Credit loss provision to net charge-offs | 141.9878% | 2,052 |
| Earnings coverage of net charge-offs (x) | 4.4523% | 3,107 |
| Efficiency ratio | 69.2146% | 4,108 |
| Assets per employee ($millions) | 4.1719% | 3,509 |
| Cash dividends to net income (ytd only)* | 48.9262% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,384 |
| Loan loss allowance to noncurrent loans | 88.2554% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 3.5033% | 1,693 |
| Noncurrent loans to loans | 1.6059% | 3,752 |
| Net loans and leases to total assets | 86.0283% | 126 |
| Net loans and leases to deposits | 104.8481% | 282 |
| Net loans and leases to core deposits | 109.3924% | 639 |
| Total domestic deposits to total assets | 82.0504% | 5,112 |
| Equity capital to assets | 9.5378% | 4,819 |
| Core capital (leverage) ratio | 9.3981% | 4,185 |
| Tier 1 risk-based capital ratio | 10.4933% | 6,685 |
| Total risk-based capital ratio | 11.7446% | 6,666 |
| Memoranda: | ||
| Average total assets | $181,432,800 | 3,309 |
| Average earning assets | $167,728,400 | 3,284 |
| Average equity | $17,726,200 | 3,465 |
| Average total loans | $158,132,600 | 2,526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7805% | 724 |
| Cost of funding earning assets | 1.5915% | 606 |
| Net interest margin | 4.1890% | 2,147 |
| Noninterest income to average assets | 0.4515% | 4,282 |
| Noninterest expense to average assets | 2.7829% | 4,406 |
| Loan and lease loss provision to assets | 0.4448% | 2,248 |
| Net operating income to assets | 1.0979% | 1,978 |
| Return on assets (ROA) | 1.0979% | 2,125 |
| Pretax return on assets | 1.1008% | 3,007 |
| Return on Equity (ROE) | 11.1679% | 1,797 |
| Retained earnings to average equity (ytd only) | 7.0280% | 1,953 |
| Net charge-offs to loans | 0.3097% | 3,548 |
| Credit loss provision to net charge-offs | 164.8352% | 1,849 |
| Earnings coverage of net charge-offs (x) | 5.7280% | 2,712 |
| Efficiency ratio | 64.2918% | 5,017 |
| Assets per employee ($millions) | 4.3184% | 3,243 |
| Cash dividends to net income (ytd only)* | 37.0694% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 4,058 |
| Loan loss allowance to noncurrent loans | 266.3647% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 2.8020% | 2,320 |
| Noncurrent loans to loans | 0.5659% | 5,736 |
| Net loans and leases to total assets | 84.7260% | 178 |
| Net loans and leases to deposits | 104.4223% | 300 |
| Net loans and leases to core deposits | 109.9323% | 679 |
| Total domestic deposits to total assets | 81.1378% | 5,386 |
| Equity capital to assets | 9.9717% | 4,382 |
| Core capital (leverage) ratio | 9.6297% | 3,945 |
| Tier 1 risk-based capital ratio | 11.1399% | 6,462 |
| Total risk-based capital ratio | 12.3927% | 6,446 |
| Memoranda: | ||
| Average total assets | $179,856,750 | 3,347 |
| Average earning assets | $166,464,750 | 3,309 |
| Average equity | $17,681,250 | 3,472 |
| Average total loans | $156,708,500 | 2,568 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6725% | 924 |
| Cost of funding earning assets | 1.5955% | 705 |
| Net interest margin | 4.0769% | 2,504 |
| Noninterest income to average assets | 0.4672% | 4,137 |
| Noninterest expense to average assets | 2.7611% | 4,588 |
| Loan and lease loss provision to assets | 0.3345% | 2,776 |
| Net operating income to assets | 1.1609% | 1,689 |
| Return on assets (ROA) | 1.1609% | 1,766 |
| Pretax return on assets | 1.1642% | 2,624 |
| Return on Equity (ROE) | 11.8657% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.0359% | 1,453 |
| Net charge-offs to loans | 0.2179% | 3,824 |
| Credit loss provision to net charge-offs | 175.4386% | 1,716 |
| Earnings coverage of net charge-offs (x) | 7.8596% | 2,151 |
| Efficiency ratio | 64.8168% | 5,089 |
| Assets per employee ($millions) | 4.3186% | 3,134 |
| Cash dividends to net income (ytd only)* | 32.2767% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 4,581 |
| Loan loss allowance to noncurrent loans | 79.0771% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 3.4044% | 1,938 |
| Noncurrent loans to loans | 1.7674% | 3,794 |
| Net loans and leases to total assets | 87.3201% | 97 |
| Net loans and leases to deposits | 110.3677% | 172 |
| Net loans and leases to core deposits | 116.4103% | 508 |
| Total domestic deposits to total assets | 79.1174% | 6,058 |
| Equity capital to assets | 9.8434% | 4,341 |
| Core capital (leverage) ratio | 9.7620% | 3,574 |
| Tier 1 risk-based capital ratio | 10.7920% | 6,669 |
| Total risk-based capital ratio | 12.0484% | 6,639 |
| Memoranda: | ||
| Average total assets | $179,351,330 | 3,377 |
| Average earning assets | $166,840,670 | 3,323 |
| Average equity | $17,546,330 | 3,488 |
| Average total loans | $156,937,330 | 2,583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7296% | 834 |
| Cost of funding earning assets | 1.6161% | 773 |
| Net interest margin | 4.1135% | 2,219 |
| Noninterest income to average assets | 0.4486% | 4,301 |
| Noninterest expense to average assets | 2.5345% | 5,435 |
| Loan and lease loss provision to assets | 0.3364% | 2,539 |
| Net operating income to assets | 1.4175% | 1,036 |
| Return on assets (ROA) | 1.4175% | 1,070 |
| Pretax return on assets | 1.4198% | 1,670 |
| Return on Equity (ROE) | 14.5350% | 901 |
| Retained earnings to average equity (ytd only) | 11.6372% | 793 |
| Net charge-offs to loans | -0.0928% | 7,064 |
| Credit loss provision to net charge-offs | -416.6667% | 5,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0695% | 6,122 |
| Assets per employee ($millions) | 4.2748% | 3,288 |
| Cash dividends to net income (ytd only)* | 19.9367% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 4,253 |
| Loan loss allowance to noncurrent loans | 95.5980% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 2.7792% | 2,481 |
| Noncurrent loans to loans | 1.5602% | 4,132 |
| Net loans and leases to total assets | 86.7447% | 108 |
| Net loans and leases to deposits | 110.4385% | 176 |
| Net loans and leases to core deposits | 116.2091% | 522 |
| Total domestic deposits to total assets | 78.5458% | 6,286 |
| Equity capital to assets | 10.0704% | 3,686 |
| Core capital (leverage) ratio | 9.8717% | 3,310 |
| Tier 1 risk-based capital ratio | 11.0674% | 6,461 |
| Total risk-based capital ratio | 12.3258% | 6,435 |
| Memoranda: | ||
| Average total assets | $178,336,500 | 3,409 |
| Average earning assets | $166,574,500 | 3,350 |
| Average equity | $17,392,500 | 3,508 |
| Average total loans | $155,092,500 | 2,631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0301% | 795 |
| Cost of funding earning assets | 1.8744% | 928 |
| Net interest margin | 4.1557% | 2,343 |
| Noninterest income to average assets | 0.5138% | 4,065 |
| Noninterest expense to average assets | 2.7707% | 4,706 |
| Loan and lease loss provision to assets | 0.5734% | 2,839 |
| Net operating income to assets | 1.0095% | 2,009 |
| Return on assets (ROA) | 1.0095% | 2,118 |
| Pretax return on assets | 1.0140% | 2,883 |
| Return on Equity (ROE) | 10.6965% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.2447% | 1,693 |
| Net charge-offs to loans | 0.4822% | 3,695 |
| Credit loss provision to net charge-offs | 136.6712% | 2,806 |
| Earnings coverage of net charge-offs (x) | 3.7835% | 3,188 |
| Efficiency ratio | 63.5748% | 5,419 |
| Assets per employee ($millions) | 4.3192% | 3,165 |
| Cash dividends to net income (ytd only)* | 41.6198% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,705 |
| Loan loss allowance to noncurrent loans | 72.8149% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9128% | 2,405 |
| Noncurrent loans to loans | 1.8646% | 3,733 |
| Net loans and leases to total assets | 84.7448% | 249 |
| Net loans and leases to deposits | 106.4648% | 305 |
| Net loans and leases to core deposits | 113.2238% | 761 |
| Total domestic deposits to total assets | 79.5989% | 5,937 |
| Equity capital to assets | 9.4456% | 4,476 |
| Core capital (leverage) ratio | 9.2844% | 4,034 |
| Tier 1 risk-based capital ratio | 10.5024% | 6,701 |
| Total risk-based capital ratio | 11.7528% | 6,678 |
| Memoranda: | ||
| Average total assets | $176,129,000 | 3,434 |
| Average earning assets | $162,933,400 | 3,392 |
| Average equity | $16,622,200 | 3,658 |
| Average total loans | $153,253,400 | 2,717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1273% | 726 |
| Cost of funding earning assets | 1.9201% | 963 |
| Net interest margin | 4.2072% | 2,193 |
| Noninterest income to average assets | 0.5011% | 4,178 |
| Noninterest expense to average assets | 2.6825% | 4,954 |
| Loan and lease loss provision to assets | 0.4347% | 3,300 |
| Net operating income to assets | 1.2608% | 1,440 |
| Return on assets (ROA) | 1.2608% | 1,520 |
| Pretax return on assets | 1.2661% | 2,278 |
| Return on Equity (ROE) | 13.3621% | 1,171 |
| Retained earnings to average equity (ytd only) | 7.3803% | 1,655 |
| Net charge-offs to loans | 0.0577% | 5,941 |
| Credit loss provision to net charge-offs | 863.6364% | 348 |
| Earnings coverage of net charge-offs (x) | 33.7870% | 793 |
| Efficiency ratio | 61.1971% | 5,756 |
| Assets per employee ($millions) | 4.5620% | 2,812 |
| Cash dividends to net income (ytd only)* | 44.7671% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,942 |
| Loan loss allowance to noncurrent loans | 103.5258% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 2.7046% | 2,672 |
| Noncurrent loans to loans | 1.4519% | 4,442 |
| Net loans and leases to total assets | 86.5186% | 164 |
| Net loans and leases to deposits | 110.1276% | 252 |
| Net loans and leases to core deposits | 117.8498% | 689 |
| Total domestic deposits to total assets | 78.5622% | 6,130 |
| Equity capital to assets | 9.5808% | 4,729 |
| Core capital (leverage) ratio | 9.5368% | 3,849 |
| Tier 1 risk-based capital ratio | 10.4206% | 6,820 |
| Total risk-based capital ratio | 11.6727% | 6,815 |
| Memoranda: | ||
| Average total assets | $174,809,500 | 3,500 |
| Average earning assets | $161,305,500 | 3,472 |
| Average equity | $16,494,000 | 3,726 |
| Average total loans | $152,604,500 | 2,769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0810% | 787 |
| Cost of funding earning assets | 1.9473% | 1,053 |
| Net interest margin | 4.1337% | 2,405 |
| Noninterest income to average assets | 0.3994% | 4,922 |
| Noninterest expense to average assets | 2.7081% | 4,870 |
| Loan and lease loss provision to assets | 0.5524% | 2,565 |
| Net operating income to assets | 0.9530% | 2,354 |
| Return on assets (ROA) | 0.9530% | 2,443 |
| Pretax return on assets | 0.9599% | 3,276 |
| Return on Equity (ROE) | 10.1533% | 2,047 |
| Retained earnings to average equity (ytd only) | 4.3532% | 3,304 |
| Net charge-offs to loans | 0.0344% | 5,873 |
| Credit loss provision to net charge-offs | 1,846.1538% | 218 |
| Earnings coverage of net charge-offs (x) | 50.5385% | 586 |
| Efficiency ratio | 64.1669% | 5,306 |
| Assets per employee ($millions) | 4.1354% | 3,518 |
| Cash dividends to net income (ytd only)* | 57.1256% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,872 |
| Loan loss allowance to noncurrent loans | 71.3886% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 3.3992% | 2,069 |
| Noncurrent loans to loans | 2.1141% | 3,575 |
| Net loans and leases to total assets | 86.3432% | 203 |
| Net loans and leases to deposits | 110.8945% | 251 |
| Net loans and leases to core deposits | 119.2042% | 722 |
| Total domestic deposits to total assets | 77.8606% | 6,302 |
| Equity capital to assets | 9.4907% | 4,715 |
| Core capital (leverage) ratio | 9.2607% | 4,192 |
| Tier 1 risk-based capital ratio | 10.2711% | 6,859 |
| Total risk-based capital ratio | 11.5228% | 6,839 |
| Memoranda: | ||
| Average total assets | $173,773,000 | 3,540 |
| Average earning assets | $160,631,000 | 3,502 |
| Average equity | $16,310,000 | 3,751 |
| Average total loans | $151,378,670 | 2,811 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 770 |
| Cost of funding earning assets | 1.9481% | 1,249 |
| Net interest margin | 4.1578% | 2,200 |
| Noninterest income to average assets | 0.3061% | 5,692 |
| Noninterest expense to average assets | 2.7523% | 4,682 |
| Loan and lease loss provision to assets | 0.6904% | 1,845 |
| Net operating income to assets | 0.6950% | 3,462 |
| Return on assets (ROA) | 0.6950% | 3,576 |
| Pretax return on assets | 0.7042% | 4,216 |
| Return on Equity (ROE) | 7.4462% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.9943% | 3,753 |
| Net charge-offs to loans | 0.1166% | 4,277 |
| Credit loss provision to net charge-offs | 681.8182% | 650 |
| Earnings coverage of net charge-offs (x) | 13.7727% | 1,470 |
| Efficiency ratio | 66.3707% | 5,040 |
| Assets per employee ($millions) | 4.1936% | 3,475 |
| Cash dividends to net income (ytd only)* | 46.3576% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 4,389 |
| Loan loss allowance to noncurrent loans | 83.5322% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 3.0011% | 2,388 |
| Noncurrent loans to loans | 1.6842% | 4,224 |
| Net loans and leases to total assets | 85.5936% | 241 |
| Net loans and leases to deposits | 107.1287% | 379 |
| Net loans and leases to core deposits | 115.2272% | 985 |
| Total domestic deposits to total assets | 79.8979% | 5,819 |
| Equity capital to assets | 9.4785% | 4,565 |
| Core capital (leverage) ratio | 9.1260% | 4,331 |
| Tier 1 risk-based capital ratio | 10.3678% | 6,742 |
| Total risk-based capital ratio | 11.6246% | 6,732 |
| Memoranda: | ||
| Average total assets | $173,816,500 | 3,596 |
| Average earning assets | $160,566,000 | 3,555 |
| Average equity | $16,223,000 | 3,795 |
| Average total loans | $150,936,000 | 2,878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4440% | 747 |
| Cost of funding earning assets | 2.3199% | 1,580 |
| Net interest margin | 4.1241% | 2,349 |
| Noninterest income to average assets | 0.4921% | 4,477 |
| Noninterest expense to average assets | 2.7249% | 5,274 |
| Loan and lease loss provision to assets | 0.8447% | 2,622 |
| Net operating income to assets | 0.7399% | 2,771 |
| Return on assets (ROA) | 0.7399% | 2,856 |
| Pretax return on assets | 0.7411% | 3,439 |
| Return on Equity (ROE) | 7.8949% | 2,414 |
| Retained earnings to average equity (ytd only) | 4.5975% | 2,035 |
| Net charge-offs to loans | 0.7886% | 2,856 |
| Credit loss provision to net charge-offs | 122.2317% | 4,325 |
| Earnings coverage of net charge-offs (x) | 2.2947% | 4,006 |
| Efficiency ratio | 63.2118% | 5,929 |
| Assets per employee ($millions) | 4.2853% | 3,296 |
| Cash dividends to net income (ytd only)* | 41.7661% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 5,308 |
| Loan loss allowance to noncurrent loans | 63.0643% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9790% | 2,357 |
| Noncurrent loans to loans | 1.9161% | 3,780 |
| Net loans and leases to total assets | 85.8079% | 294 |
| Net loans and leases to deposits | 108.6887% | 433 |
| Net loans and leases to core deposits | 145.0727% | 641 |
| Total domestic deposits to total assets | 78.9483% | 5,992 |
| Equity capital to assets | 9.1914% | 4,855 |
| Core capital (leverage) ratio | 8.9128% | 4,573 |
| Tier 1 risk-based capital ratio | 10.0440% | 6,830 |
| Total risk-based capital ratio | 11.1970% | 6,895 |
| Memoranda: | ||
| Average total assets | $169,877,800 | 3,618 |
| Average earning assets | $157,294,400 | 3,574 |
| Average equity | $15,921,600 | 3,879 |
| Average total loans | $148,868,200 | 2,933 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5023% | 741 |
| Cost of funding earning assets | 2.4064% | 1,615 |
| Net interest margin | 4.0959% | 2,417 |
| Noninterest income to average assets | 0.5122% | 4,388 |
| Noninterest expense to average assets | 2.7082% | 5,285 |
| Loan and lease loss provision to assets | 0.6373% | 2,844 |
| Net operating income to assets | 0.9595% | 2,199 |
| Return on assets (ROA) | 0.9595% | 2,259 |
| Pretax return on assets | 0.9610% | 3,020 |
| Return on Equity (ROE) | 10.1859% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.7737% | 2,060 |
| Net charge-offs to loans | 0.2956% | 4,177 |
| Credit loss provision to net charge-offs | 245.4268% | 1,768 |
| Earnings coverage of net charge-offs (x) | 6.1555% | 2,656 |
| Efficiency ratio | 62.8860% | 5,952 |
| Assets per employee ($millions) | 4.2635% | 3,263 |
| Cash dividends to net income (ytd only)* | 43.3167% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,219 |
| Loan loss allowance to noncurrent loans | 52.7920% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.5703% | 1,849 |
| Noncurrent loans to loans | 2.5530% | 2,958 |
| Net loans and leases to total assets | 86.3013% | 323 |
| Net loans and leases to deposits | 110.4700% | 455 |
| Net loans and leases to core deposits | 150.8077% | 564 |
| Total domestic deposits to total assets | 78.1219% | 6,049 |
| Equity capital to assets | 9.2234% | 5,129 |
| Core capital (leverage) ratio | 9.2131% | 4,317 |
| Tier 1 risk-based capital ratio | 10.0879% | 6,890 |
| Total risk-based capital ratio | 11.3443% | 6,826 |
| Memoranda: | ||
| Average total assets | $168,423,250 | 3,656 |
| Average earning assets | $156,023,000 | 3,619 |
| Average equity | $15,864,750 | 3,938 |
| Average total loans | $147,934,000 | 2,982 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5136% | 799 |
| Cost of funding earning assets | 2.5151% | 1,558 |
| Net interest margin | 3.9985% | 2,703 |
| Noninterest income to average assets | 0.4883% | 4,546 |
| Noninterest expense to average assets | 2.7337% | 5,245 |
| Loan and lease loss provision to assets | 0.3608% | 3,761 |
| Net operating income to assets | 1.1065% | 1,749 |
| Return on assets (ROA) | 1.1065% | 1,828 |
| Pretax return on assets | 1.1089% | 2,608 |
| Return on Equity (ROE) | 11.6613% | 1,517 |
| Retained earnings to average equity (ytd only) | 8.1756% | 1,160 |
| Net charge-offs to loans | 0.2502% | 3,951 |
| Credit loss provision to net charge-offs | 163.9344% | 2,796 |
| Earnings coverage of net charge-offs (x) | 6.6776% | 2,569 |
| Efficiency ratio | 65.0358% | 5,713 |
| Assets per employee ($millions) | 4.4106% | 2,912 |
| Cash dividends to net income (ytd only)* | 29.8913% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,590 |
| Loan loss allowance to noncurrent loans | 52.4030% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 3.2782% | 1,893 |
| Noncurrent loans to loans | 2.1004% | 3,379 |
| Net loans and leases to total assets | 88.8544% | 196 |
| Net loans and leases to deposits | 116.6368% | 314 |
| Net loans and leases to core deposits | 155.9199% | 523 |
| Total domestic deposits to total assets | 76.1804% | 6,512 |
| Equity capital to assets | 9.3533% | 4,799 |
| Core capital (leverage) ratio | 9.3871% | 4,046 |
| Tier 1 risk-based capital ratio | 10.0034% | 6,920 |
| Total risk-based capital ratio | 11.0697% | 7,055 |
| Memoranda: | ||
| Average total assets | $166,296,000 | 3,699 |
| Average earning assets | $154,507,330 | 3,656 |
| Average equity | $15,778,670 | 3,964 |
| Average total loans | $146,272,000 | 3,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4918% | 882 |
| Cost of funding earning assets | 2.6352% | 1,466 |
| Net interest margin | 3.8566% | 3,224 |
| Noninterest income to average assets | 0.4356% | 4,913 |
| Noninterest expense to average assets | 2.6310% | 5,318 |
| Loan and lease loss provision to assets | 0.2937% | 3,603 |
| Net operating income to assets | 1.0842% | 2,018 |
| Return on assets (ROA) | 1.0842% | 2,146 |
| Pretax return on assets | 1.0891% | 3,030 |
| Return on Equity (ROE) | 11.3419% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.5015% | 2,021 |
| Net charge-offs to loans | 0.4193% | 2,432 |
| Credit loss provision to net charge-offs | 80.5369% | 4,179 |
| Earnings coverage of net charge-offs (x) | 3.7919% | 3,064 |
| Efficiency ratio | 65.5488% | 5,417 |
| Assets per employee ($millions) | 3.8734% | 3,932 |
| Cash dividends to net income (ytd only)* | 33.8600% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 5,573 |
| Loan loss allowance to noncurrent loans | 39.7951% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 3.2579% | 1,693 |
| Noncurrent loans to loans | 2.7279% | 2,402 |
| Net loans and leases to total assets | 87.0392% | 336 |
| Net loans and leases to deposits | 113.3419% | 468 |
| Net loans and leases to core deposits | 152.3132% | 640 |
| Total domestic deposits to total assets | 76.7935% | 6,336 |
| Equity capital to assets | 9.6839% | 4,405 |
| Core capital (leverage) ratio | 9.6497% | 3,820 |
| Tier 1 risk-based capital ratio | 10.4318% | 6,463 |
| Total risk-based capital ratio | 11.4707% | 6,605 |
| Memoranda: | ||
| Average total assets | $163,437,000 | 3,770 |
| Average earning assets | $151,637,500 | 3,714 |
| Average equity | $15,623,500 | 4,018 |
| Average total loans | $142,136,500 | 3,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9154% | 1,358 |
| Cost of funding earning assets | 3.2961% | 941 |
| Net interest margin | 3.6192% | 4,792 |
| Noninterest income to average assets | 0.4728% | 4,858 |
| Noninterest expense to average assets | 2.5571% | 5,803 |
| Loan and lease loss provision to assets | 0.3826% | 3,402 |
| Net operating income to assets | 0.8950% | 3,019 |
| Return on assets (ROA) | 0.8950% | 2,862 |
| Pretax return on assets | 0.8962% | 3,738 |
| Return on Equity (ROE) | 9.2429% | 2,552 |
| Retained earnings to average equity (ytd only) | 4.7219% | 2,192 |
| Net charge-offs to loans | 0.2625% | 3,660 |
| Credit loss provision to net charge-offs | 171.0145% | 2,992 |
| Earnings coverage of net charge-offs (x) | 5.7159% | 3,554 |
| Efficiency ratio | 66.6610% | 4,989 |
| Assets per employee ($millions) | 3.9093% | 3,709 |
| Cash dividends to net income (ytd only)* | 48.9130% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,114 |
| Loan loss allowance to noncurrent loans | 50.5424% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.7389% | 1,727 |
| Noncurrent loans to loans | 2.2208% | 2,482 |
| Net loans and leases to total assets | 84.9846% | 741 |
| Net loans and leases to deposits | 112.6107% | 676 |
| Net loans and leases to core deposits | 141.7238% | 1,173 |
| Total domestic deposits to total assets | 75.4676% | 6,349 |
| Equity capital to assets | 9.4360% | 4,778 |
| Core capital (leverage) ratio | 9.2648% | 4,348 |
| Tier 1 risk-based capital ratio | 10.2968% | 6,425 |
| Total risk-based capital ratio | 11.3606% | 6,479 |
| Memoranda: | ||
| Average total assets | $154,198,200 | 3,816 |
| Average earning assets | $143,289,800 | 3,778 |
| Average equity | $14,930,400 | 4,156 |
| Average total loans | $131,438,800 | 3,245 |