Home > Iowa State Bank > Performance and Condition Ratios
Iowa State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 2,619 |
| Cost of funding earning assets | 1.7057% | 1,441 |
| Net interest margin | 3.0207% | 3,235 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.5538% | 4,289 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5510% | 938 |
| Return on assets (ROA) | 1.5563% | 896 |
| Pretax return on assets | 1.6466% | 1,156 |
| Return on Equity (ROE) | 15.6600% | 1,161 |
| Retained earnings to average equity (ytd only) | 7.3987% | 1,756 |
| Net charge-offs to loans | 0.0117% | 2,210 |
| Credit loss provision to net charge-offs | 633.3333% | 566 |
| Earnings coverage of net charge-offs (x) | 183.1111% | 621 |
| Efficiency ratio | 47.7572% | 4,099 |
| Assets per employee ($millions) | 9.1840% | 925 |
| Cash dividends to net income (ytd only)* | 52.7502% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 922 |
| Loan loss allowance to noncurrent loans | 177.3992% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 729 |
| Noncurrent loans to loans | 0.8782% | 864 |
| Net loans and leases to total assets | 79.7800% | 664 |
| Net loans and leases to deposits | 94.7659% | 883 |
| Net loans and leases to core deposits | 101.4392% | 1,360 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 9.9723% | 2,027 |
| Core capital (leverage) ratio | 10.8311% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $193,916,600 | 3,024 |
| Average earning assets | $186,313,400 | 2,966 |
| Average equity | $19,273,600 | 2,923 |
| Average total loans | $153,459,000 | 2,650 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 2,616 |
| Cost of funding earning assets | 1.5487% | 1,482 |
| Net interest margin | 3.0786% | 3,179 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.5273% | 4,292 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.6377% | 881 |
| Return on assets (ROA) | 1.6364% | 875 |
| Pretax return on assets | 1.7274% | 1,120 |
| Return on Equity (ROE) | 16.4800% | 1,167 |
| Retained earnings to average equity (ytd only) | 8.0608% | 1,944 |
| Net charge-offs to loans | 0.0035% | 2,381 |
| Credit loss provision to net charge-offs | 2,150.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 643.5000% | 244 |
| Efficiency ratio | 46.0604% | 4,132 |
| Assets per employee ($millions) | 9.2952% | 834 |
| Cash dividends to net income (ytd only)* | 51.0828% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 895 |
| Loan loss allowance to noncurrent loans | 326.0925% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 1,450 |
| Noncurrent loans to loans | 0.4892% | 1,599 |
| Net loans and leases to total assets | 80.1700% | 620 |
| Net loans and leases to deposits | 93.8724% | 907 |
| Net loans and leases to core deposits | 101.8550% | 1,222 |
| Total domestic deposits to total assets | 85.4000% | 2,382 |
| Equity capital to assets | 9.8218% | 1,926 |
| Core capital (leverage) ratio | 10.7928% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $191,883,500 | 3,044 |
| Average earning assets | $184,494,000 | 2,990 |
| Average equity | $19,054,750 | 2,934 |
| Average total loans | $150,887,750 | 2,675 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 2,699 |
| Cost of funding earning assets | 1.3827% | 1,493 |
| Net interest margin | 3.0964% | 3,234 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.5274% | 4,310 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6644% | 845 |
| Return on assets (ROA) | 1.6585% | 857 |
| Pretax return on assets | 1.7507% | 1,113 |
| Return on Equity (ROE) | 16.6400% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.6665% | 1,773 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.6740% | 4,177 |
| Assets per employee ($millions) | 9.2021% | 853 |
| Cash dividends to net income (ytd only)* | 47.9140% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 879 |
| Loan loss allowance to noncurrent loans | 343.6389% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,411 |
| Noncurrent loans to loans | 0.4742% | 1,523 |
| Net loans and leases to total assets | 78.4800% | 785 |
| Net loans and leases to deposits | 91.2064% | 1,087 |
| Net loans and leases to core deposits | 98.2693% | 1,332 |
| Total domestic deposits to total assets | 86.0500% | 2,212 |
| Equity capital to assets | 9.9304% | 1,896 |
| Core capital (leverage) ratio | 10.7520% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,778,333 | 3,060 |
| Average earning assets | $183,117,333 | 3,007 |
| Average equity | $19,015,667 | 2,949 |
| Average total loans | $148,174,667 | 2,693 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 2,877 |
| Cost of funding earning assets | 0.2245% | 2,588 |
| Net interest margin | 3.0337% | 2,789 |
| Noninterest income to average assets | 0.8196% | 1,001 |
| Noninterest expense to average assets | 1.5438% | 4,363 |
| Loan and lease loss provision to assets | 0.0647% | 1,442 |
| Net operating income to assets | 2.0245% | 221 |
| Return on assets (ROA) | 2.0126% | 226 |
| Pretax return on assets | 2.1125% | 286 |
| Return on Equity (ROE) | 19.2348% | 366 |
| Retained earnings to average equity (ytd only) | 9.4167% | 1,169 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3500% | 4,585 |
| Assets per employee ($millions) | 7.9764% | 1,319 |
| Cash dividends to net income (ytd only)* | 51.0434% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 709 |
| Loan loss allowance to noncurrent loans | 239,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,080 |
| Noncurrent loans to loans | 0.0008% | 4,012 |
| Net loans and leases to total assets | 71.6606% | 1,145 |
| Net loans and leases to deposits | 80.2658% | 1,369 |
| Net loans and leases to core deposits | 83.1191% | 1,511 |
| Total domestic deposits to total assets | 89.2791% | 2,057 |
| Equity capital to assets | 10.3351% | 1,516 |
| Core capital (leverage) ratio | 10.7588% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,186,000 | 3,275 |
| Average earning assets | $169,231,333 | 3,226 |
| Average equity | $18,435,333 | 3,192 |
| Average total loans | $124,020,667 | 2,903 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1218% | 2,907 |
| Cost of funding earning assets | 0.2242% | 2,472 |
| Net interest margin | 2.8976% | 2,850 |
| Noninterest income to average assets | 0.3467% | 3,018 |
| Noninterest expense to average assets | 1.5543% | 4,360 |
| Loan and lease loss provision to assets | 0.0657% | 1,244 |
| Net operating income to assets | 1.4085% | 780 |
| Return on assets (ROA) | 1.3980% | 798 |
| Pretax return on assets | 1.4977% | 1,024 |
| Return on Equity (ROE) | 13.2795% | 983 |
| Retained earnings to average equity (ytd only) | 6.3707% | 2,119 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6741% | 4,326 |
| Assets per employee ($millions) | 8.5494% | 1,082 |
| Cash dividends to net income (ytd only)* | 52.0259% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 647 |
| Loan loss allowance to noncurrent loans | 118,500.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,113 |
| Noncurrent loans to loans | 0.0017% | 4,042 |
| Net loans and leases to total assets | 65.4831% | 1,463 |
| Net loans and leases to deposits | 72.9749% | 1,699 |
| Net loans and leases to core deposits | 75.0637% | 1,846 |
| Total domestic deposits to total assets | 89.7336% | 1,701 |
| Equity capital to assets | 10.0970% | 1,830 |
| Core capital (leverage) ratio | 10.2940% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,539,000 | 3,285 |
| Average earning assets | $169,518,500 | 3,228 |
| Average equity | $18,585,000 | 3,276 |
| Average total loans | $121,957,000 | 2,930 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 2,005 |
| Cost of funding earning assets | 0.3209% | 2,187 |
| Net interest margin | 3.4188% | 1,970 |
| Noninterest income to average assets | 0.3791% | 3,165 |
| Noninterest expense to average assets | 1.5406% | 4,496 |
| Loan and lease loss provision to assets | 0.0674% | 1,724 |
| Net operating income to assets | 1.9587% | 368 |
| Return on assets (ROA) | 1.9859% | 368 |
| Pretax return on assets | 2.0699% | 532 |
| Return on Equity (ROE) | 17.7576% | 487 |
| Retained earnings to average equity (ytd only) | 4.8069% | 2,856 |
| Net charge-offs to loans | -0.0742% | 4,482 |
| Credit loss provision to net charge-offs | -123.9130% | 3,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2136% | 4,634 |
| Assets per employee ($millions) | 7.8882% | 1,391 |
| Cash dividends to net income (ytd only)* | 72.9303% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 743 |
| Loan loss allowance to noncurrent loans | 23,410.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 4,113 |
| Noncurrent loans to loans | 0.0081% | 4,047 |
| Net loans and leases to total assets | 70.0910% | 1,032 |
| Net loans and leases to deposits | 78.8503% | 1,311 |
| Net loans and leases to core deposits | 81.0447% | 1,517 |
| Total domestic deposits to total assets | 88.8913% | 1,575 |
| Equity capital to assets | 10.9727% | 1,806 |
| Core capital (leverage) ratio | 10.4195% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,088,600 | 3,308 |
| Average earning assets | $161,751,600 | 3,258 |
| Average equity | $18,910,200 | 3,309 |
| Average total loans | $124,026,200 | 2,912 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 1,804 |
| Cost of funding earning assets | 0.3406% | 2,198 |
| Net interest margin | 3.5433% | 1,751 |
| Noninterest income to average assets | 0.3802% | 3,210 |
| Noninterest expense to average assets | 1.5057% | 4,589 |
| Loan and lease loss provision to assets | 0.0673% | 1,657 |
| Net operating income to assets | 2.1058% | 389 |
| Return on assets (ROA) | 2.1058% | 409 |
| Pretax return on assets | 2.1923% | 553 |
| Return on Equity (ROE) | 18.7381% | 541 |
| Retained earnings to average equity (ytd only) | 7.4938% | 2,226 |
| Net charge-offs to loans | -0.0161% | 3,877 |
| Credit loss provision to net charge-offs | -566.6667% | 3,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9874% | 4,723 |
| Assets per employee ($millions) | 9.6919% | 714 |
| Cash dividends to net income (ytd only)* | 60.0075% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 930 |
| Loan loss allowance to noncurrent loans | 37,250.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,244 |
| Noncurrent loans to loans | 0.0048% | 4,178 |
| Net loans and leases to total assets | 69.9275% | 1,079 |
| Net loans and leases to deposits | 79.3227% | 1,347 |
| Net loans and leases to core deposits | 81.3112% | 1,629 |
| Total domestic deposits to total assets | 88.1557% | 1,741 |
| Equity capital to assets | 11.0819% | 1,955 |
| Core capital (leverage) ratio | 10.5384% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,975,750 | 3,353 |
| Average earning assets | $160,487,250 | 3,303 |
| Average equity | $18,877,250 | 3,353 |
| Average total loans | $124,038,500 | 2,953 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 1,351 |
| Cost of funding earning assets | 0.3657% | 2,176 |
| Net interest margin | 3.7353% | 1,255 |
| Noninterest income to average assets | 0.3498% | 3,363 |
| Noninterest expense to average assets | 1.5354% | 4,591 |
| Loan and lease loss provision to assets | 0.0688% | 1,675 |
| Net operating income to assets | 2.2254% | 324 |
| Return on assets (ROA) | 2.2254% | 344 |
| Pretax return on assets | 2.3182% | 468 |
| Return on Equity (ROE) | 19.7059% | 477 |
| Retained earnings to average equity (ytd only) | 6.6648% | 2,558 |
| Net charge-offs to loans | -0.0242% | 4,061 |
| Credit loss provision to net charge-offs | -380.0000% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1451% | 4,770 |
| Assets per employee ($millions) | 9.0738% | 838 |
| Cash dividends to net income (ytd only)* | 66.1789% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 1,022 |
| Loan loss allowance to noncurrent loans | 4,904.4444% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,088 |
| Noncurrent loans to loans | 0.0351% | 4,023 |
| Net loans and leases to total assets | 73.1368% | 844 |
| Net loans and leases to deposits | 82.8596% | 1,138 |
| Net loans and leases to core deposits | 84.3857% | 1,530 |
| Total domestic deposits to total assets | 88.2659% | 1,690 |
| Equity capital to assets | 10.9598% | 2,009 |
| Core capital (leverage) ratio | 10.1995% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,816,000 | 3,377 |
| Average earning assets | $158,597,000 | 3,323 |
| Average equity | $18,725,333 | 3,363 |
| Average total loans | $123,975,667 | 2,968 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 1,091 |
| Cost of funding earning assets | 0.4001% | 2,094 |
| Net interest margin | 3.8698% | 1,031 |
| Noninterest income to average assets | 0.4036% | 3,069 |
| Noninterest expense to average assets | 1.5604% | 4,587 |
| Loan and lease loss provision to assets | 0.0714% | 1,733 |
| Net operating income to assets | 2.3800% | 323 |
| Return on assets (ROA) | 2.3800% | 350 |
| Pretax return on assets | 2.4612% | 464 |
| Return on Equity (ROE) | 20.7505% | 485 |
| Retained earnings to average equity (ytd only) | 12.5748% | 1,010 |
| Net charge-offs to loans | -0.0460% | 4,359 |
| Credit loss provision to net charge-offs | -207.1429% | 2,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1239% | 4,803 |
| Assets per employee ($millions) | 7.9785% | 1,209 |
| Cash dividends to net income (ytd only)* | 39.4002% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 938 |
| Loan loss allowance to noncurrent loans | 2,722.5000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,874 |
| Noncurrent loans to loans | 0.0643% | 3,966 |
| Net loans and leases to total assets | 72.9415% | 903 |
| Net loans and leases to deposits | 82.9489% | 1,251 |
| Net loans and leases to core deposits | 84.3452% | 1,650 |
| Total domestic deposits to total assets | 87.9354% | 1,877 |
| Equity capital to assets | 11.2577% | 1,679 |
| Core capital (leverage) ratio | 11.0255% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,522,500 | 3,405 |
| Average earning assets | $154,943,000 | 3,365 |
| Average equity | $18,640,500 | 3,361 |
| Average total loans | $121,815,000 | 2,999 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 2,065 |
| Cost of funding earning assets | 0.7048% | 1,700 |
| Net interest margin | 3.5220% | 2,407 |
| Noninterest income to average assets | 0.3902% | 3,147 |
| Noninterest expense to average assets | 1.7275% | 4,583 |
| Loan and lease loss provision to assets | 0.0782% | 3,401 |
| Net operating income to assets | 1.8421% | 357 |
| Return on assets (ROA) | 1.8421% | 380 |
| Pretax return on assets | 1.9292% | 523 |
| Return on Equity (ROE) | 14.6641% | 693 |
| Retained earnings to average equity (ytd only) | 4.0291% | 2,804 |
| Net charge-offs to loans | 0.0085% | 3,027 |
| Credit loss provision to net charge-offs | 1,140.0000% | 707 |
| Earnings coverage of net charge-offs (x) | 292.7000% | 350 |
| Efficiency ratio | 46.2541% | 4,706 |
| Assets per employee ($millions) | 7.4999% | 1,285 |
| Cash dividends to net income (ytd only)* | 72.5242% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 874 |
| Loan loss allowance to noncurrent loans | 1,840.5172% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,967 |
| Noncurrent loans to loans | 0.0973% | 3,906 |
| Net loans and leases to total assets | 74.3538% | 974 |
| Net loans and leases to deposits | 85.0078% | 1,355 |
| Net loans and leases to core deposits | 86.5348% | 1,822 |
| Total domestic deposits to total assets | 87.4671% | 1,720 |
| Equity capital to assets | 11.6948% | 1,737 |
| Core capital (leverage) ratio | 11.1357% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,814,200 | 3,448 |
| Average earning assets | $138,471,600 | 3,402 |
| Average equity | $18,316,800 | 3,342 |
| Average total loans | $117,516,800 | 3,005 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 1,862 |
| Cost of funding earning assets | 0.7735% | 1,619 |
| Net interest margin | 3.6194% | 2,206 |
| Noninterest income to average assets | 0.3994% | 3,083 |
| Noninterest expense to average assets | 1.7560% | 4,559 |
| Loan and lease loss provision to assets | 0.0805% | 3,305 |
| Net operating income to assets | 1.9193% | 356 |
| Return on assets (ROA) | 1.9193% | 390 |
| Pretax return on assets | 2.0080% | 509 |
| Return on Equity (ROE) | 14.9940% | 689 |
| Retained earnings to average equity (ytd only) | 8.8273% | 1,028 |
| Net charge-offs to loans | 0.0057% | 2,935 |
| Credit loss provision to net charge-offs | 1,720.0000% | 552 |
| Earnings coverage of net charge-offs (x) | 447.6000% | 255 |
| Efficiency ratio | 45.6796% | 4,730 |
| Assets per employee ($millions) | 7.1840% | 1,383 |
| Cash dividends to net income (ytd only)* | 41.1279% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 798 |
| Loan loss allowance to noncurrent loans | 5,415.3846% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,333 |
| Noncurrent loans to loans | 0.0324% | 4,262 |
| Net loans and leases to total assets | 78.3578% | 787 |
| Net loans and leases to deposits | 90.5562% | 1,219 |
| Net loans and leases to core deposits | 92.2681% | 1,772 |
| Total domestic deposits to total assets | 86.5295% | 1,846 |
| Equity capital to assets | 12.5319% | 1,409 |
| Core capital (leverage) ratio | 11.9272% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,893,500 | 3,467 |
| Average earning assets | $136,003,750 | 3,412 |
| Average equity | $18,291,250 | 3,341 |
| Average total loans | $117,086,000 | 3,022 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 1,585 |
| Cost of funding earning assets | 0.8489% | 1,606 |
| Net interest margin | 3.7810% | 1,887 |
| Noninterest income to average assets | 0.3922% | 3,134 |
| Noninterest expense to average assets | 1.7527% | 4,623 |
| Loan and lease loss provision to assets | 0.0813% | 3,266 |
| Net operating income to assets | 2.0622% | 290 |
| Return on assets (ROA) | 2.0622% | 324 |
| Pretax return on assets | 2.1535% | 393 |
| Return on Equity (ROE) | 15.9900% | 565 |
| Retained earnings to average equity (ytd only) | 10.2177% | 749 |
| Net charge-offs to loans | 0.0086% | 2,640 |
| Credit loss provision to net charge-offs | 1,140.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 313.4000% | 313 |
| Efficiency ratio | 43.9557% | 4,812 |
| Assets per employee ($millions) | 7.5308% | 1,162 |
| Cash dividends to net income (ytd only)* | 36.0996% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 746 |
| Loan loss allowance to noncurrent loans | 5,207.5000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,421 |
| Noncurrent loans to loans | 0.0334% | 4,347 |
| Net loans and leases to total assets | 78.0754% | 837 |
| Net loans and leases to deposits | 90.0814% | 1,346 |
| Net loans and leases to core deposits | 91.9623% | 1,907 |
| Total domestic deposits to total assets | 86.6721% | 1,744 |
| Equity capital to assets | 12.3699% | 1,442 |
| Core capital (leverage) ratio | 11.9305% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,237,000 | 3,480 |
| Average earning assets | $133,352,333 | 3,428 |
| Average equity | $18,086,333 | 3,354 |
| Average total loans | $116,006,333 | 3,025 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,233 |
| Cost of funding earning assets | 0.9414% | 1,683 |
| Net interest margin | 3.5855% | 2,718 |
| Noninterest income to average assets | 0.4206% | 2,966 |
| Noninterest expense to average assets | 1.7949% | 4,673 |
| Loan and lease loss provision to assets | 0.0859% | 2,615 |
| Net operating income to assets | 1.8512% | 371 |
| Return on assets (ROA) | 1.8512% | 413 |
| Pretax return on assets | 1.9578% | 501 |
| Return on Equity (ROE) | 14.0339% | 694 |
| Retained earnings to average equity (ytd only) | 8.8021% | 1,024 |
| Net charge-offs to loans | 0.0561% | 1,446 |
| Credit loss provision to net charge-offs | 175.0000% | 1,489 |
| Earnings coverage of net charge-offs (x) | 43.1250% | 991 |
| Efficiency ratio | 46.7593% | 4,802 |
| Assets per employee ($millions) | 6.8175% | 1,175 |
| Cash dividends to net income (ytd only)* | 37.2800% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 760 |
| Loan loss allowance to noncurrent loans | 3,714.5455% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,411 |
| Noncurrent loans to loans | 0.0476% | 4,363 |
| Net loans and leases to total assets | 83.3061% | 321 |
| Net loans and leases to deposits | 97.2109% | 795 |
| Net loans and leases to core deposits | 99.4754% | 1,512 |
| Total domestic deposits to total assets | 85.6963% | 2,131 |
| Equity capital to assets | 13.2579% | 1,318 |
| Core capital (leverage) ratio | 12.6320% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,047,500 | 3,517 |
| Average earning assets | $128,739,500 | 3,461 |
| Average equity | $17,814,000 | 3,391 |
| Average total loans | $114,171,000 | 3,025 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 2,102 |
| Cost of funding earning assets | 1.0073% | 1,694 |
| Net interest margin | 3.7735% | 2,589 |
| Noninterest income to average assets | 0.4396% | 3,057 |
| Noninterest expense to average assets | 1.9184% | 4,640 |
| Loan and lease loss provision to assets | 0.0872% | 2,275 |
| Net operating income to assets | 1.9451% | 396 |
| Return on assets (ROA) | 1.9451% | 413 |
| Pretax return on assets | 2.0315% | 562 |
| Return on Equity (ROE) | 14.8504% | 716 |
| Retained earnings to average equity (ytd only) | 3.0938% | 3,476 |
| Net charge-offs to loans | 0.0431% | 2,529 |
| Credit loss provision to net charge-offs | 237.5000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 57.7292% | 1,008 |
| Efficiency ratio | 47.5189% | 4,856 |
| Assets per employee ($millions) | 6.6873% | 1,188 |
| Cash dividends to net income (ytd only)* | 79.1667% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 659 |
| Loan loss allowance to noncurrent loans | 2,636.3636% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,338 |
| Noncurrent loans to loans | 0.0683% | 4,266 |
| Net loans and leases to total assets | 82.7554% | 459 |
| Net loans and leases to deposits | 95.5721% | 987 |
| Net loans and leases to core deposits | 97.9461% | 1,734 |
| Total domestic deposits to total assets | 86.5895% | 1,811 |
| Equity capital to assets | 13.1226% | 1,447 |
| Core capital (leverage) ratio | 12.3949% | 1,540 |
| Tier 1 risk-based capital ratio | 15.6915% | 2,506 |
| Total risk-based capital ratio | 16.9496% | 2,439 |
| Memoranda: | ||
| Average total assets | $130,787,600 | 3,557 |
| Average earning assets | $124,684,600 | 3,498 |
| Average equity | $17,130,800 | 3,418 |
| Average total loans | $111,485,800 | 3,063 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,169 |
| Cost of funding earning assets | 0.9946% | 1,787 |
| Net interest margin | 3.7882% | 2,633 |
| Noninterest income to average assets | 0.4347% | 3,110 |
| Noninterest expense to average assets | 1.9326% | 4,667 |
| Loan and lease loss provision to assets | 0.0882% | 2,144 |
| Net operating income to assets | 1.9418% | 444 |
| Return on assets (ROA) | 1.9418% | 461 |
| Pretax return on assets | 2.0300% | 646 |
| Return on Equity (ROE) | 14.8321% | 815 |
| Retained earnings to average equity (ytd only) | 8.8413% | 1,089 |
| Net charge-offs to loans | 0.0588% | 1,983 |
| Credit loss provision to net charge-offs | 175.5102% | 1,454 |
| Earnings coverage of net charge-offs (x) | 42.1644% | 1,322 |
| Efficiency ratio | 47.7094% | 4,869 |
| Assets per employee ($millions) | 6.6171% | 1,219 |
| Cash dividends to net income (ytd only)* | 40.3905% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 645 |
| Loan loss allowance to noncurrent loans | 138.7656% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 1,201 |
| Noncurrent loans to loans | 1.3161% | 1,176 |
| Net loans and leases to total assets | 81.2750% | 668 |
| Net loans and leases to deposits | 94.1577% | 1,209 |
| Net loans and leases to core deposits | 96.0950% | 1,983 |
| Total domestic deposits to total assets | 86.3180% | 1,859 |
| Equity capital to assets | 13.3314% | 1,447 |
| Core capital (leverage) ratio | 12.7503% | 1,462 |
| Tier 1 risk-based capital ratio | 15.9374% | 2,462 |
| Total risk-based capital ratio | 17.1956% | 2,395 |
| Memoranda: | ||
| Average total assets | $130,048,000 | 3,597 |
| Average earning assets | $124,136,000 | 3,544 |
| Average equity | $17,025,750 | 3,452 |
| Average total loans | $111,179,250 | 3,101 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 2,079 |
| Cost of funding earning assets | 0.9584% | 1,873 |
| Net interest margin | 3.8351% | 2,461 |
| Noninterest income to average assets | 0.4471% | 2,972 |
| Noninterest expense to average assets | 1.9538% | 4,680 |
| Loan and lease loss provision to assets | 0.0882% | 2,082 |
| Net operating income to assets | 1.9724% | 405 |
| Return on assets (ROA) | 1.9724% | 425 |
| Pretax return on assets | 2.0637% | 602 |
| Return on Equity (ROE) | 15.1605% | 730 |
| Retained earnings to average equity (ytd only) | 8.9655% | 1,037 |
| Net charge-offs to loans | 0.0877% | 1,485 |
| Credit loss provision to net charge-offs | 116.3265% | 1,788 |
| Earnings coverage of net charge-offs (x) | 28.3878% | 1,511 |
| Efficiency ratio | 47.5885% | 4,918 |
| Assets per employee ($millions) | 6.4986% | 1,238 |
| Cash dividends to net income (ytd only)* | 40.8627% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 690 |
| Loan loss allowance to noncurrent loans | 736.1940% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 3,464 |
| Noncurrent loans to loans | 0.2434% | 3,664 |
| Net loans and leases to total assets | 83.1895% | 448 |
| Net loans and leases to deposits | 96.3139% | 1,002 |
| Net loans and leases to core deposits | 98.3187% | 1,865 |
| Total domestic deposits to total assets | 86.3732% | 1,862 |
| Equity capital to assets | 13.2929% | 1,443 |
| Core capital (leverage) ratio | 12.5369% | 1,518 |
| Tier 1 risk-based capital ratio | 15.5833% | 2,592 |
| Total risk-based capital ratio | 16.8413% | 2,518 |
| Memoranda: | ||
| Average total assets | $129,283,330 | 3,628 |
| Average earning assets | $123,335,670 | 3,571 |
| Average equity | $16,820,000 | 3,480 |
| Average total loans | $111,718,330 | 3,104 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 2,114 |
| Cost of funding earning assets | 0.9046% | 1,977 |
| Net interest margin | 3.8258% | 2,431 |
| Noninterest income to average assets | 0.3847% | 3,298 |
| Noninterest expense to average assets | 1.9575% | 4,717 |
| Loan and lease loss provision to assets | 0.0900% | 1,911 |
| Net operating income to assets | 1.9141% | 448 |
| Return on assets (ROA) | 1.9141% | 464 |
| Pretax return on assets | 1.9978% | 645 |
| Return on Equity (ROE) | 14.8751% | 774 |
| Retained earnings to average equity (ytd only) | 8.8479% | 1,371 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3896% | 4,928 |
| Assets per employee ($millions) | 6.5135% | 1,233 |
| Cash dividends to net income (ytd only)* | 40.5186% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 778 |
| Loan loss allowance to noncurrent loans | 197.7183% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 1,667 |
| Noncurrent loans to loans | 0.8843% | 1,885 |
| Net loans and leases to total assets | 85.9752% | 189 |
| Net loans and leases to deposits | 99.0686% | 691 |
| Net loans and leases to core deposits | 101.1095% | 1,530 |
| Total domestic deposits to total assets | 86.7835% | 1,919 |
| Equity capital to assets | 12.9064% | 1,508 |
| Core capital (leverage) ratio | 12.3800% | 1,570 |
| Tier 1 risk-based capital ratio | 14.6482% | 3,036 |
| Total risk-based capital ratio | 15.9052% | 2,956 |
| Memoranda: | ||
| Average total assets | $128,939,000 | 3,671 |
| Average earning assets | $123,373,000 | 3,610 |
| Average equity | $16,591,500 | 3,517 |
| Average total loans | $112,529,500 | 3,124 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 2,402 |
| Cost of funding earning assets | 0.7024% | 2,077 |
| Net interest margin | 3.8182% | 2,600 |
| Noninterest income to average assets | 0.4148% | 3,348 |
| Noninterest expense to average assets | 1.9790% | 4,784 |
| Loan and lease loss provision to assets | 0.0911% | 2,327 |
| Net operating income to assets | 1.8767% | 473 |
| Return on assets (ROA) | 1.8767% | 469 |
| Pretax return on assets | 1.9638% | 605 |
| Return on Equity (ROE) | 15.0214% | 825 |
| Retained earnings to average equity (ytd only) | 9.0589% | 842 |
| Net charge-offs to loans | -0.0038% | 4,304 |
| Credit loss provision to net charge-offs | -2,850.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0588% | 4,993 |
| Assets per employee ($millions) | 6.0766% | 1,473 |
| Cash dividends to net income (ytd only)* | 39.6934% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 727 |
| Loan loss allowance to noncurrent loans | 3,776.9231% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,235 |
| Noncurrent loans to loans | 0.0468% | 4,536 |
| Net loans and leases to total assets | 85.4979% | 271 |
| Net loans and leases to deposits | 98.3761% | 860 |
| Net loans and leases to core deposits | 100.4308% | 1,687 |
| Total domestic deposits to total assets | 86.9092% | 1,818 |
| Equity capital to assets | 12.8282% | 1,425 |
| Core capital (leverage) ratio | 12.2995% | 1,564 |
| Tier 1 risk-based capital ratio | 14.6725% | 2,977 |
| Total risk-based capital ratio | 15.9302% | 2,902 |
| Memoranda: | ||
| Average total assets | $125,112,800 | 3,713 |
| Average earning assets | $118,591,200 | 3,669 |
| Average equity | $15,631,000 | 3,554 |
| Average total loans | $104,547,200 | 3,220 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 2,425 |
| Cost of funding earning assets | 0.6702% | 2,031 |
| Net interest margin | 3.7926% | 2,673 |
| Noninterest income to average assets | 0.4145% | 3,392 |
| Noninterest expense to average assets | 1.9546% | 4,817 |
| Loan and lease loss provision to assets | 0.0921% | 2,137 |
| Net operating income to assets | 1.8689% | 523 |
| Return on assets (ROA) | 1.8689% | 523 |
| Pretax return on assets | 1.9557% | 713 |
| Return on Equity (ROE) | 15.0626% | 861 |
| Retained earnings to average equity (ytd only) | 8.9944% | 1,217 |
| Net charge-offs to loans | -0.0052% | 4,233 |
| Credit loss provision to net charge-offs | -2,150.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8360% | 5,012 |
| Assets per employee ($millions) | 5.9240% | 1,548 |
| Cash dividends to net income (ytd only)* | 40.2865% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 640 |
| Loan loss allowance to noncurrent loans | 1,975.5102% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,169 |
| Noncurrent loans to loans | 0.0944% | 4,465 |
| Net loans and leases to total assets | 81.8697% | 740 |
| Net loans and leases to deposits | 94.2209% | 1,362 |
| Net loans and leases to core deposits | 96.4571% | 2,072 |
| Total domestic deposits to total assets | 86.8912% | 1,780 |
| Equity capital to assets | 12.7953% | 1,421 |
| Core capital (leverage) ratio | 12.1274% | 1,712 |
| Tier 1 risk-based capital ratio | 15.2724% | 2,751 |
| Total risk-based capital ratio | 16.5308% | 2,673 |
| Memoranda: | ||
| Average total assets | $124,488,750 | 3,759 |
| Average earning assets | $117,769,500 | 3,722 |
| Average equity | $15,446,250 | 3,606 |
| Average total loans | $102,917,250 | 3,277 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 2,572 |
| Cost of funding earning assets | 0.6275% | 2,057 |
| Net interest margin | 3.7263% | 2,838 |
| Noninterest income to average assets | 0.4032% | 3,460 |
| Noninterest expense to average assets | 1.9515% | 4,878 |
| Loan and lease loss provision to assets | 0.0916% | 2,093 |
| Net operating income to assets | 1.8134% | 567 |
| Return on assets (ROA) | 1.8134% | 569 |
| Pretax return on assets | 1.8985% | 777 |
| Return on Equity (ROE) | 14.7688% | 900 |
| Retained earnings to average equity (ytd only) | 9.0653% | 1,191 |
| Net charge-offs to loans | -0.0078% | 4,231 |
| Credit loss provision to net charge-offs | -1,425.0000% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4295% | 5,055 |
| Assets per employee ($millions) | 5.9220% | 1,526 |
| Cash dividends to net income (ytd only)* | 38.6182% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 692 |
| Loan loss allowance to noncurrent loans | 476.7500% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 3,129 |
| Noncurrent loans to loans | 0.3869% | 3,310 |
| Net loans and leases to total assets | 81.6006% | 756 |
| Net loans and leases to deposits | 93.6249% | 1,399 |
| Net loans and leases to core deposits | 95.7775% | 2,075 |
| Total domestic deposits to total assets | 87.1570% | 1,770 |
| Equity capital to assets | 12.5479% | 1,513 |
| Core capital (leverage) ratio | 11.8544% | 1,799 |
| Tier 1 risk-based capital ratio | 15.0639% | 2,844 |
| Total risk-based capital ratio | 16.3223% | 2,765 |
| Memoranda: | ||
| Average total assets | $124,516,670 | 3,786 |
| Average earning assets | $118,239,330 | 3,741 |
| Average equity | $15,289,000 | 3,647 |
| Average total loans | $102,627,670 | 3,294 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,612 |
| Cost of funding earning assets | 0.6066% | 2,014 |
| Net interest margin | 3.6701% | 2,919 |
| Noninterest income to average assets | 0.4591% | 3,061 |
| Noninterest expense to average assets | 1.9487% | 4,943 |
| Loan and lease loss provision to assets | 0.0931% | 1,959 |
| Net operating income to assets | 1.8300% | 531 |
| Return on assets (ROA) | 1.8300% | 532 |
| Pretax return on assets | 1.9134% | 696 |
| Return on Equity (ROE) | 15.0684% | 793 |
| Retained earnings to average equity (ytd only) | 9.5698% | 1,293 |
| Net charge-offs to loans | 0.0078% | 2,455 |
| Credit loss provision to net charge-offs | 1,450.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 312.5000% | 216 |
| Efficiency ratio | 49.1883% | 5,126 |
| Assets per employee ($millions) | 6.0055% | 1,510 |
| Cash dividends to net income (ytd only)* | 36.4912% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 729 |
| Loan loss allowance to noncurrent loans | 321.2693% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,722 |
| Noncurrent loans to loans | 0.5706% | 2,832 |
| Net loans and leases to total assets | 79.5244% | 1,009 |
| Net loans and leases to deposits | 90.7563% | 1,594 |
| Net loans and leases to core deposits | 92.7977% | 2,237 |
| Total domestic deposits to total assets | 87.6241% | 1,836 |
| Equity capital to assets | 12.1206% | 1,700 |
| Core capital (leverage) ratio | 11.7259% | 1,830 |
| Tier 1 risk-based capital ratio | 14.8769% | 2,935 |
| Total risk-based capital ratio | 16.1357% | 2,861 |
| Memoranda: | ||
| Average total assets | $124,593,500 | 3,819 |
| Average earning assets | $118,688,500 | 3,771 |
| Average equity | $15,131,000 | 3,688 |
| Average total loans | $102,247,500 | 3,318 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,450 |
| Cost of funding earning assets | 0.5112% | 2,240 |
| Net interest margin | 3.7527% | 2,590 |
| Noninterest income to average assets | 0.4190% | 3,507 |
| Noninterest expense to average assets | 1.9755% | 5,002 |
| Loan and lease loss provision to assets | 0.0965% | 2,281 |
| Net operating income to assets | 1.7858% | 433 |
| Return on assets (ROA) | 1.7858% | 443 |
| Pretax return on assets | 1.8773% | 636 |
| Return on Equity (ROE) | 14.9927% | 611 |
| Retained earnings to average equity (ytd only) | 7.9568% | 786 |
| Net charge-offs to loans | -0.2097% | 5,528 |
| Credit loss provision to net charge-offs | -57.6355% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0810% | 5,265 |
| Assets per employee ($millions) | 5.5941% | 1,851 |
| Cash dividends to net income (ytd only)* | 46.9284% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 773 |
| Loan loss allowance to noncurrent loans | 5,954.8387% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 4,606 |
| Noncurrent loans to loans | 0.0303% | 4,874 |
| Net loans and leases to total assets | 81.6464% | 734 |
| Net loans and leases to deposits | 94.1584% | 1,252 |
| Net loans and leases to core deposits | 96.4449% | 1,990 |
| Total domestic deposits to total assets | 86.7117% | 2,142 |
| Equity capital to assets | 12.1686% | 1,725 |
| Core capital (leverage) ratio | 11.3581% | 2,056 |
| Tier 1 risk-based capital ratio | 14.4141% | 3,132 |
| Total risk-based capital ratio | 15.6717% | 3,041 |
| Memoranda: | ||
| Average total assets | $121,236,800 | 3,873 |
| Average earning assets | $114,051,200 | 3,841 |
| Average equity | $14,440,400 | 3,789 |
| Average total loans | $96,805,400 | 3,396 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 2,581 |
| Cost of funding earning assets | 0.4953% | 2,305 |
| Net interest margin | 3.7133% | 2,703 |
| Noninterest income to average assets | 0.4272% | 3,499 |
| Noninterest expense to average assets | 1.9782% | 4,997 |
| Loan and lease loss provision to assets | 0.0850% | 2,393 |
| Net operating income to assets | 1.7663% | 500 |
| Return on assets (ROA) | 1.7663% | 520 |
| Pretax return on assets | 1.8568% | 770 |
| Return on Equity (ROE) | 14.9113% | 662 |
| Retained earnings to average equity (ytd only) | 8.0241% | 1,214 |
| Net charge-offs to loans | -0.2822% | 5,600 |
| Credit loss provision to net charge-offs | -38.1188% | 4,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1974% | 5,280 |
| Assets per employee ($millions) | 5.4887% | 1,932 |
| Cash dividends to net income (ytd only)* | 46.1876% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 833 |
| Loan loss allowance to noncurrent loans | 449.0050% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 3,364 |
| Noncurrent loans to loans | 0.4040% | 3,494 |
| Net loans and leases to total assets | 80.8997% | 856 |
| Net loans and leases to deposits | 93.4179% | 1,365 |
| Net loans and leases to core deposits | 95.4106% | 2,133 |
| Total domestic deposits to total assets | 86.5998% | 2,048 |
| Equity capital to assets | 12.2309% | 1,819 |
| Core capital (leverage) ratio | 11.4183% | 2,082 |
| Tier 1 risk-based capital ratio | 14.5855% | 3,140 |
| Total risk-based capital ratio | 15.8434% | 3,053 |
| Memoranda: | ||
| Average total assets | $120,778,250 | 3,922 |
| Average earning assets | $113,605,500 | 3,892 |
| Average equity | $14,306,500 | 3,851 |
| Average total loans | $95,424,500 | 3,452 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,573 |
| Cost of funding earning assets | 0.4865% | 2,281 |
| Net interest margin | 3.6865% | 2,698 |
| Noninterest income to average assets | 0.4073% | 3,646 |
| Noninterest expense to average assets | 2.0168% | 4,940 |
| Loan and lease loss provision to assets | 0.0596% | 2,776 |
| Net operating income to assets | 1.6939% | 569 |
| Return on assets (ROA) | 1.6939% | 578 |
| Pretax return on assets | 1.7816% | 879 |
| Return on Equity (ROE) | 14.4570% | 743 |
| Retained earnings to average equity (ytd only) | 7.7160% | 1,278 |
| Net charge-offs to loans | -0.4422% | 5,684 |
| Credit loss provision to net charge-offs | -17.3077% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3433% | 5,285 |
| Assets per employee ($millions) | 5.7489% | 1,655 |
| Cash dividends to net income (ytd only)* | 46.6276% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 769 |
| Loan loss allowance to noncurrent loans | 193.9759% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 2,117 |
| Noncurrent loans to loans | 0.9617% | 2,036 |
| Net loans and leases to total assets | 77.1667% | 1,368 |
| Net loans and leases to deposits | 87.9458% | 1,994 |
| Net loans and leases to core deposits | 90.4485% | 2,481 |
| Total domestic deposits to total assets | 87.7434% | 1,596 |
| Equity capital to assets | 11.9832% | 1,941 |
| Core capital (leverage) ratio | 11.1421% | 2,281 |
| Tier 1 risk-based capital ratio | 14.6515% | 3,083 |
| Total risk-based capital ratio | 15.9097% | 3,004 |
| Memoranda: | ||
| Average total assets | $120,787,000 | 3,949 |
| Average earning assets | $113,061,000 | 3,924 |
| Average equity | $14,152,330 | 3,875 |
| Average total loans | $94,068,330 | 3,496 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 2,804 |
| Cost of funding earning assets | 0.4746% | 2,312 |
| Net interest margin | 3.5846% | 2,939 |
| Noninterest income to average assets | 0.4602% | 3,252 |
| Noninterest expense to average assets | 2.0295% | 4,983 |
| Loan and lease loss provision to assets | 0.0596% | 2,612 |
| Net operating income to assets | 1.6388% | 626 |
| Return on assets (ROA) | 1.6388% | 642 |
| Pretax return on assets | 1.7216% | 962 |
| Return on Equity (ROE) | 14.1479% | 773 |
| Retained earnings to average equity (ytd only) | 7.9171% | 1,496 |
| Net charge-offs to loans | 0.0214% | 2,349 |
| Credit loss provision to net charge-offs | 360.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 107.6000% | 503 |
| Efficiency ratio | 51.2598% | 5,308 |
| Assets per employee ($millions) | 6.1313% | 1,406 |
| Cash dividends to net income (ytd only)* | 44.0404% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,308 |
| Loan loss allowance to noncurrent loans | 565.8088% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,981 |
| Noncurrent loans to loans | 0.2884% | 4,082 |
| Net loans and leases to total assets | 75.6552% | 1,467 |
| Net loans and leases to deposits | 85.7501% | 2,058 |
| Net loans and leases to core deposits | 88.3493% | 2,516 |
| Total domestic deposits to total assets | 88.2276% | 1,575 |
| Equity capital to assets | 11.5228% | 2,166 |
| Core capital (leverage) ratio | 10.9986% | 2,361 |
| Tier 1 risk-based capital ratio | 14.5082% | 3,197 |
| Total risk-based capital ratio | 15.7637% | 3,130 |
| Memoranda: | ||
| Average total assets | $120,817,000 | 3,985 |
| Average earning assets | $112,928,000 | 3,965 |
| Average equity | $13,995,000 | 3,921 |
| Average total loans | $93,636,500 | 3,521 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,006 |
| Cost of funding earning assets | 0.4747% | 2,309 |
| Net interest margin | 3.5799% | 3,137 |
| Noninterest income to average assets | 0.4679% | 3,427 |
| Noninterest expense to average assets | 2.0006% | 5,185 |
| Loan and lease loss provision to assets | 0.0599% | 3,182 |
| Net operating income to assets | 1.6435% | 622 |
| Return on assets (ROA) | 1.6435% | 646 |
| Pretax return on assets | 1.7284% | 933 |
| Return on Equity (ROE) | 14.5372% | 695 |
| Retained earnings to average equity (ytd only) | 6.8414% | 1,290 |
| Net charge-offs to loans | 0.2138% | 1,299 |
| Credit loss provision to net charge-offs | 36.7347% | 3,525 |
| Earnings coverage of net charge-offs (x) | 10.9592% | 2,579 |
| Efficiency ratio | 50.8240% | 5,445 |
| Assets per employee ($millions) | 6.2636% | 1,286 |
| Cash dividends to net income (ytd only)* | 52.9382% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 1,280 |
| Loan loss allowance to noncurrent loans | 847.7778% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,715 |
| Noncurrent loans to loans | 0.1936% | 4,464 |
| Net loans and leases to total assets | 76.8310% | 1,392 |
| Net loans and leases to deposits | 87.1748% | 2,026 |
| Net loans and leases to core deposits | 88.8521% | 2,600 |
| Total domestic deposits to total assets | 88.1344% | 1,571 |
| Equity capital to assets | 11.6463% | 2,047 |
| Core capital (leverage) ratio | 10.7413% | 2,607 |
| Tier 1 risk-based capital ratio | 14.5805% | 3,164 |
| Total risk-based capital ratio | 15.8363% | 3,091 |
| Memoranda: | ||
| Average total assets | $120,111,200 | 3,994 |
| Average earning assets | $111,428,800 | 3,985 |
| Average equity | $13,579,000 | 4,010 |
| Average total loans | $91,658,600 | 3,545 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,056 |
| Cost of funding earning assets | 0.4688% | 2,373 |
| Net interest margin | 3.5762% | 3,177 |
| Noninterest income to average assets | 0.4574% | 3,503 |
| Noninterest expense to average assets | 1.9946% | 5,216 |
| Loan and lease loss provision to assets | 0.0598% | 3,061 |
| Net operating income to assets | 1.6314% | 682 |
| Return on assets (ROA) | 1.6314% | 720 |
| Pretax return on assets | 1.7144% | 1,076 |
| Return on Equity (ROE) | 14.5384% | 734 |
| Retained earnings to average equity (ytd only) | 9.1790% | 763 |
| Net charge-offs to loans | 0.1022% | 1,926 |
| Credit loss provision to net charge-offs | 77.1429% | 2,703 |
| Earnings coverage of net charge-offs (x) | 22.8860% | 1,732 |
| Efficiency ratio | 50.9257% | 5,445 |
| Assets per employee ($millions) | 5.9737% | 1,451 |
| Cash dividends to net income (ytd only)* | 36.8635% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 1,013 |
| Loan loss allowance to noncurrent loans | 616.6038% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,548 |
| Noncurrent loans to loans | 0.2920% | 4,211 |
| Net loans and leases to total assets | 74.5945% | 1,775 |
| Net loans and leases to deposits | 85.2172% | 2,341 |
| Net loans and leases to core deposits | 86.8592% | 2,865 |
| Total domestic deposits to total assets | 87.5345% | 1,643 |
| Equity capital to assets | 11.7724% | 2,283 |
| Core capital (leverage) ratio | 10.7855% | 2,701 |
| Tier 1 risk-based capital ratio | 14.9885% | 3,059 |
| Total risk-based capital ratio | 16.2468% | 2,980 |
| Memoranda: | ||
| Average total assets | $120,387,000 | 4,008 |
| Average earning assets | $111,475,000 | 4,006 |
| Average equity | $13,508,750 | 4,057 |
| Average total loans | $91,333,000 | 3,567 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,124 |
| Cost of funding earning assets | 0.4659% | 2,420 |
| Net interest margin | 3.5681% | 3,222 |
| Noninterest income to average assets | 0.4673% | 3,420 |
| Noninterest expense to average assets | 1.9935% | 5,282 |
| Loan and lease loss provision to assets | 0.0597% | 2,946 |
| Net operating income to assets | 1.6439% | 652 |
| Return on assets (ROA) | 1.6439% | 693 |
| Pretax return on assets | 1.7267% | 1,034 |
| Return on Equity (ROE) | 14.8912% | 686 |
| Retained earnings to average equity (ytd only) | 7.0103% | 1,591 |
| Net charge-offs to loans | 0.1573% | 1,389 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 14.9722% | 2,024 |
| Efficiency ratio | 50.7672% | 5,521 |
| Assets per employee ($millions) | 6.0371% | 1,372 |
| Cash dividends to net income (ytd only)* | 52.9234% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 1,092 |
| Loan loss allowance to noncurrent loans | 840.6250% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 4,869 |
| Noncurrent loans to loans | 0.2131% | 4,589 |
| Net loans and leases to total assets | 73.2877% | 1,963 |
| Net loans and leases to deposits | 83.2704% | 2,550 |
| Net loans and leases to core deposits | 85.3787% | 2,950 |
| Total domestic deposits to total assets | 88.0116% | 1,428 |
| Equity capital to assets | 11.3159% | 2,725 |
| Core capital (leverage) ratio | 10.3118% | 3,177 |
| Tier 1 risk-based capital ratio | 14.4861% | 3,327 |
| Total risk-based capital ratio | 15.7444% | 3,251 |
| Memoranda: | ||
| Average total assets | $120,691,330 | 4,028 |
| Average earning assets | $112,047,000 | 4,019 |
| Average equity | $13,323,330 | 4,104 |
| Average total loans | $91,525,670 | 3,575 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,091 |
| Cost of funding earning assets | 0.4679% | 2,391 |
| Net interest margin | 3.5679% | 3,213 |
| Noninterest income to average assets | 0.4541% | 3,454 |
| Noninterest expense to average assets | 1.9890% | 5,365 |
| Loan and lease loss provision to assets | 0.0597% | 2,759 |
| Net operating income to assets | 1.6376% | 654 |
| Return on assets (ROA) | 1.6376% | 692 |
| Pretax return on assets | 1.7171% | 1,030 |
| Return on Equity (ROE) | 15.0226% | 667 |
| Retained earnings to average equity (ytd only) | 6.1733% | 2,296 |
| Net charge-offs to loans | -0.0043% | 4,251 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7923% | 5,579 |
| Assets per employee ($millions) | 6.0492% | 1,378 |
| Cash dividends to net income (ytd only)* | 58.9069% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 1,135 |
| Loan loss allowance to noncurrent loans | 346.4730% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 3,858 |
| Noncurrent loans to loans | 0.5225% | 3,618 |
| Net loans and leases to total assets | 74.8675% | 1,579 |
| Net loans and leases to deposits | 85.5557% | 2,113 |
| Net loans and leases to core deposits | 88.5865% | 2,504 |
| Total domestic deposits to total assets | 87.5073% | 1,919 |
| Equity capital to assets | 10.9900% | 2,954 |
| Core capital (leverage) ratio | 9.9809% | 3,552 |
| Tier 1 risk-based capital ratio | 13.7356% | 3,844 |
| Total risk-based capital ratio | 14.9938% | 3,776 |
| Memoranda: | ||
| Average total assets | $120,666,000 | 4,056 |
| Average earning assets | $111,998,000 | 4,044 |
| Average equity | $13,153,500 | 4,141 |
| Average total loans | $92,237,000 | 3,569 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,323 |
| Cost of funding earning assets | 0.4618% | 2,520 |
| Net interest margin | 3.5348% | 3,397 |
| Noninterest income to average assets | 0.5210% | 3,191 |
| Noninterest expense to average assets | 2.0509% | 5,350 |
| Loan and lease loss provision to assets | 0.0407% | 3,520 |
| Net operating income to assets | 1.6428% | 644 |
| Return on assets (ROA) | 1.6428% | 661 |
| Pretax return on assets | 1.7285% | 935 |
| Return on Equity (ROE) | 15.3456% | 637 |
| Retained earnings to average equity (ytd only) | 6.6661% | 1,461 |
| Net charge-offs to loans | 0.0201% | 3,864 |
| Credit loss provision to net charge-offs | 266.6667% | 1,084 |
| Earnings coverage of net charge-offs (x) | 115.8333% | 517 |
| Efficiency ratio | 51.6881% | 5,655 |
| Assets per employee ($millions) | 6.0175% | 1,372 |
| Cash dividends to net income (ytd only)* | 56.5599% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 1,153 |
| Loan loss allowance to noncurrent loans | 576.9231% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 4,506 |
| Noncurrent loans to loans | 0.3101% | 4,345 |
| Net loans and leases to total assets | 75.2619% | 1,530 |
| Net loans and leases to deposits | 87.0088% | 2,002 |
| Net loans and leases to core deposits | 89.8305% | 2,417 |
| Total domestic deposits to total assets | 86.4993% | 2,379 |
| Equity capital to assets | 10.8111% | 3,016 |
| Core capital (leverage) ratio | 9.8560% | 3,705 |
| Tier 1 risk-based capital ratio | 13.3470% | 4,081 |
| Total risk-based capital ratio | 14.6048% | 4,024 |
| Memoranda: | ||
| Average total assets | $117,850,000 | 4,099 |
| Average earning assets | $109,993,000 | 4,066 |
| Average equity | $12,616,000 | 4,203 |
| Average total loans | $89,413,800 | 3,601 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,502 |
| Cost of funding earning assets | 0.4595% | 2,594 |
| Net interest margin | 3.4994% | 3,537 |
| Noninterest income to average assets | 0.5482% | 3,063 |
| Noninterest expense to average assets | 2.0291% | 5,424 |
| Loan and lease loss provision to assets | 0.0409% | 3,389 |
| Net operating income to assets | 1.6731% | 661 |
| Return on assets (ROA) | 1.6731% | 684 |
| Pretax return on assets | 1.7527% | 989 |
| Return on Equity (ROE) | 15.6686% | 639 |
| Retained earnings to average equity (ytd only) | 6.5508% | 1,924 |
| Net charge-offs to loans | 0.0331% | 3,257 |
| Credit loss provision to net charge-offs | 163.6364% | 1,572 |
| Earnings coverage of net charge-offs (x) | 71.6880% | 801 |
| Efficiency ratio | 51.0562% | 5,718 |
| Assets per employee ($millions) | 6.0510% | 1,341 |
| Cash dividends to net income (ytd only)* | 58.1916% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 1,393 |
| Loan loss allowance to noncurrent loans | 2,094.8718% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 5,305 |
| Noncurrent loans to loans | 0.0830% | 5,297 |
| Net loans and leases to total assets | 76.3029% | 1,349 |
| Net loans and leases to deposits | 91.9237% | 1,417 |
| Net loans and leases to core deposits | 93.5705% | 2,118 |
| Total domestic deposits to total assets | 83.0068% | 3,819 |
| Equity capital to assets | 10.6686% | 3,391 |
| Core capital (leverage) ratio | 9.9975% | 3,628 |
| Tier 1 risk-based capital ratio | 12.9833% | 4,432 |
| Total risk-based capital ratio | 14.2405% | 4,354 |
| Memoranda: | ||
| Average total assets | $117,225,250 | 4,158 |
| Average earning assets | $109,691,250 | 4,122 |
| Average equity | $12,517,250 | 4,262 |
| Average total loans | $88,710,500 | 3,648 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,525 |
| Cost of funding earning assets | 0.4609% | 2,602 |
| Net interest margin | 3.4806% | 3,576 |
| Noninterest income to average assets | 0.4415% | 3,766 |
| Noninterest expense to average assets | 2.0386% | 5,456 |
| Loan and lease loss provision to assets | 0.0414% | 3,284 |
| Net operating income to assets | 1.5385% | 846 |
| Return on assets (ROA) | 1.5385% | 884 |
| Pretax return on assets | 1.6178% | 1,281 |
| Return on Equity (ROE) | 14.4034% | 834 |
| Retained earnings to average equity (ytd only) | 5.5870% | 2,479 |
| Net charge-offs to loans | 0.0391% | 2,895 |
| Credit loss provision to net charge-offs | 141.1765% | 1,592 |
| Earnings coverage of net charge-offs (x) | 56.5882% | 874 |
| Efficiency ratio | 53.0317% | 5,649 |
| Assets per employee ($millions) | 5.5169% | 1,721 |
| Cash dividends to net income (ytd only)* | 61.2108% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 1,267 |
| Loan loss allowance to noncurrent loans | 1,451.7857% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 4,772 |
| Noncurrent loans to loans | 0.1274% | 5,242 |
| Net loans and leases to total assets | 74.4940% | 1,585 |
| Net loans and leases to deposits | 86.3439% | 2,019 |
| Net loans and leases to core deposits | 87.6068% | 2,591 |
| Total domestic deposits to total assets | 86.2759% | 2,542 |
| Equity capital to assets | 10.8196% | 3,088 |
| Core capital (leverage) ratio | 9.8226% | 3,835 |
| Tier 1 risk-based capital ratio | 13.5025% | 4,224 |
| Total risk-based capital ratio | 14.7611% | 4,149 |
| Memoranda: | ||
| Average total assets | $115,960,670 | 4,221 |
| Average earning assets | $108,486,330 | 4,176 |
| Average equity | $12,386,000 | 4,305 |
| Average total loans | $86,955,670 | 3,716 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,759 |
| Cost of funding earning assets | 0.4529% | 2,742 |
| Net interest margin | 3.4135% | 3,789 |
| Noninterest income to average assets | 0.5034% | 3,262 |
| Noninterest expense to average assets | 1.9515% | 5,662 |
| Loan and lease loss provision to assets | 0.0414% | 3,090 |
| Net operating income to assets | 1.6308% | 679 |
| Return on assets (ROA) | 1.6308% | 708 |
| Pretax return on assets | 1.7067% | 1,037 |
| Return on Equity (ROE) | 15.3677% | 655 |
| Retained earnings to average equity (ytd only) | 5.5558% | 2,747 |
| Net charge-offs to loans | -0.0046% | 4,479 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6058% | 5,882 |
| Assets per employee ($millions) | 5.5886% | 1,721 |
| Cash dividends to net income (ytd only)* | 63.8478% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 1,362 |
| Loan loss allowance to noncurrent loans | 713.1004% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 4,650 |
| Noncurrent loans to loans | 0.2613% | 4,847 |
| Net loans and leases to total assets | 73.2935% | 1,599 |
| Net loans and leases to deposits | 85.4973% | 1,896 |
| Net loans and leases to core deposits | 86.9325% | 2,441 |
| Total domestic deposits to total assets | 85.7261% | 3,077 |
| Equity capital to assets | 10.6015% | 3,424 |
| Core capital (leverage) ratio | 9.7399% | 3,970 |
| Tier 1 risk-based capital ratio | 13.3241% | 4,417 |
| Total risk-based capital ratio | 14.5823% | 4,322 |
| Memoranda: | ||
| Average total assets | $116,013,500 | 4,256 |
| Average earning assets | $108,627,000 | 4,203 |
| Average equity | $12,311,500 | 4,356 |
| Average total loans | $86,468,000 | 3,741 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 4,419 |
| Cost of funding earning assets | 0.4993% | 2,687 |
| Net interest margin | 3.3235% | 4,496 |
| Noninterest income to average assets | 0.5037% | 3,476 |
| Noninterest expense to average assets | 1.9743% | 5,812 |
| Loan and lease loss provision to assets | 0.0423% | 3,725 |
| Net operating income to assets | 1.4644% | 946 |
| Return on assets (ROA) | 1.4644% | 983 |
| Pretax return on assets | 1.5403% | 1,414 |
| Return on Equity (ROE) | 14.0056% | 934 |
| Retained earnings to average equity (ytd only) | 5.2394% | 2,441 |
| Net charge-offs to loans | 0.0383% | 4,065 |
| Credit loss provision to net charge-offs | 160.0000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 59.8000% | 797 |
| Efficiency ratio | 53.2738% | 5,902 |
| Assets per employee ($millions) | 5.4603% | 1,804 |
| Cash dividends to net income (ytd only)* | 62.5904% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 1,314 |
| Loan loss allowance to noncurrent loans | 642.8571% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,615 |
| Noncurrent loans to loans | 0.2955% | 4,791 |
| Net loans and leases to total assets | 72.9641% | 1,764 |
| Net loans and leases to deposits | 86.9409% | 1,855 |
| Net loans and leases to core deposits | 87.8437% | 2,517 |
| Total domestic deposits to total assets | 83.9237% | 3,749 |
| Equity capital to assets | 10.6230% | 3,329 |
| Core capital (leverage) ratio | 9.7178% | 3,945 |
| Tier 1 risk-based capital ratio | 12.5094% | 5,033 |
| Total risk-based capital ratio | 13.7670% | 4,945 |
| Memoranda: | ||
| Average total assets | $113,356,000 | 4,315 |
| Average earning assets | $104,137,400 | 4,308 |
| Average equity | $11,852,400 | 4,386 |
| Average total loans | $78,391,000 | 3,924 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 4,533 |
| Cost of funding earning assets | 0.5011% | 2,746 |
| Net interest margin | 3.3024% | 4,599 |
| Noninterest income to average assets | 0.5096% | 3,487 |
| Noninterest expense to average assets | 1.9641% | 5,833 |
| Loan and lease loss provision to assets | 0.0425% | 3,549 |
| Net operating income to assets | 1.4450% | 1,036 |
| Return on assets (ROA) | 1.4450% | 1,077 |
| Pretax return on assets | 1.5193% | 1,583 |
| Return on Equity (ROE) | 13.8764% | 1,011 |
| Retained earnings to average equity (ytd only) | 4.9162% | 3,144 |
| Net charge-offs to loans | 0.1391% | 2,406 |
| Credit loss provision to net charge-offs | 45.0000% | 3,200 |
| Earnings coverage of net charge-offs (x) | 16.5506% | 1,963 |
| Efficiency ratio | 53.4292% | 5,883 |
| Assets per employee ($millions) | 5.3987% | 1,816 |
| Cash dividends to net income (ytd only)* | 64.5715% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 1,375 |
| Loan loss allowance to noncurrent loans | 1,217.1875% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 5,213 |
| Noncurrent loans to loans | 0.1593% | 5,433 |
| Net loans and leases to total assets | 69.4960% | 2,272 |
| Net loans and leases to deposits | 81.3869% | 2,506 |
| Net loans and leases to core deposits | 83.1994% | 2,972 |
| Total domestic deposits to total assets | 85.3897% | 3,165 |
| Equity capital to assets | 10.5846% | 3,449 |
| Core capital (leverage) ratio | 9.6317% | 4,186 |
| Tier 1 risk-based capital ratio | 12.8920% | 4,921 |
| Total risk-based capital ratio | 14.1496% | 4,837 |
| Memoranda: | ||
| Average total assets | $113,028,500 | 4,358 |
| Average earning assets | $103,236,500 | 4,363 |
| Average equity | $11,770,250 | 4,430 |
| Average total loans | $76,667,500 | 4,002 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 4,787 |
| Cost of funding earning assets | 0.5120% | 2,707 |
| Net interest margin | 3.2118% | 4,904 |
| Noninterest income to average assets | 0.5509% | 3,113 |
| Noninterest expense to average assets | 1.9519% | 5,913 |
| Loan and lease loss provision to assets | 0.0425% | 3,467 |
| Net operating income to assets | 1.4188% | 1,021 |
| Return on assets (ROA) | 1.4188% | 1,062 |
| Pretax return on assets | 1.4896% | 1,569 |
| Return on Equity (ROE) | 13.6997% | 1,012 |
| Retained earnings to average equity (ytd only) | 5.4046% | 2,696 |
| Net charge-offs to loans | 0.3552% | 1,156 |
| Credit loss provision to net charge-offs | 17.9104% | 3,225 |
| Earnings coverage of net charge-offs (x) | 6.4552% | 2,771 |
| Efficiency ratio | 53.7367% | 5,929 |
| Assets per employee ($millions) | 5.3446% | 1,835 |
| Cash dividends to net income (ytd only)* | 60.5493% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 1,509 |
| Loan loss allowance to noncurrent loans | 1,184.1270% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 5,316 |
| Noncurrent loans to loans | 0.1631% | 5,522 |
| Net loans and leases to total assets | 67.4991% | 2,500 |
| Net loans and leases to deposits | 76.0442% | 3,052 |
| Net loans and leases to core deposits | 77.6872% | 3,477 |
| Total domestic deposits to total assets | 88.7631% | 1,497 |
| Equity capital to assets | 10.6614% | 3,239 |
| Core capital (leverage) ratio | 9.3505% | 4,530 |
| Tier 1 risk-based capital ratio | 13.3678% | 4,669 |
| Total risk-based capital ratio | 14.6256% | 4,615 |
| Memoranda: | ||
| Average total assets | $112,914,000 | 4,384 |
| Average earning assets | $103,120,000 | 4,383 |
| Average equity | $11,693,670 | 4,452 |
| Average total loans | $75,441,000 | 4,063 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,125 |
| Cost of funding earning assets | 0.5260% | 2,647 |
| Net interest margin | 3.0903% | 5,284 |
| Noninterest income to average assets | 0.6817% | 2,276 |
| Noninterest expense to average assets | 1.9708% | 5,939 |
| Loan and lease loss provision to assets | 0.0424% | 3,244 |
| Net operating income to assets | 1.4234% | 946 |
| Return on assets (ROA) | 1.4234% | 987 |
| Pretax return on assets | 1.4905% | 1,455 |
| Return on Equity (ROE) | 13.9477% | 954 |
| Retained earnings to average equity (ytd only) | 4.8799% | 3,183 |
| Net charge-offs to loans | 0.8050% | 431 |
| Credit loss provision to net charge-offs | 8.0000% | 2,623 |
| Earnings coverage of net charge-offs (x) | 2.8933% | 2,774 |
| Efficiency ratio | 53.9315% | 6,013 |
| Assets per employee ($millions) | 5.4789% | 1,728 |
| Cash dividends to net income (ytd only)* | 65.0124% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 1,567 |
| Loan loss allowance to noncurrent loans | 198.3740% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 2,569 |
| Noncurrent loans to loans | 0.9949% | 3,430 |
| Net loans and leases to total assets | 63.1956% | 3,034 |
| Net loans and leases to deposits | 70.5186% | 3,534 |
| Net loans and leases to core deposits | 72.0624% | 3,867 |
| Total domestic deposits to total assets | 89.6156% | 1,301 |
| Equity capital to assets | 10.1576% | 3,657 |
| Core capital (leverage) ratio | 9.1753% | 4,753 |
| Tier 1 risk-based capital ratio | 13.4844% | 4,696 |
| Total risk-based capital ratio | 14.7422% | 4,625 |
| Memoranda: | ||
| Average total assets | $113,252,500 | 4,424 |
| Average earning assets | $103,420,000 | 4,411 |
| Average equity | $11,557,500 | 4,495 |
| Average total loans | $74,536,000 | 4,119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 4,472 |
| Cost of funding earning assets | 0.5990% | 2,669 |
| Net interest margin | 3.2994% | 4,666 |
| Noninterest income to average assets | 0.4212% | 4,290 |
| Noninterest expense to average assets | 1.9503% | 6,105 |
| Loan and lease loss provision to assets | 0.1603% | 2,279 |
| Net operating income to assets | 1.2147% | 1,510 |
| Return on assets (ROA) | 1.2147% | 1,584 |
| Pretax return on assets | 1.3029% | 2,135 |
| Return on Equity (ROE) | 11.9183% | 1,444 |
| Retained earnings to average equity (ytd only) | 2.5514% | 4,436 |
| Net charge-offs to loans | 0.1699% | 3,125 |
| Credit loss provision to net charge-offs | 142.8571% | 1,629 |
| Earnings coverage of net charge-offs (x) | 13.0397% | 2,070 |
| Efficiency ratio | 54.7874% | 6,074 |
| Assets per employee ($millions) | 4.4579% | 2,977 |
| Cash dividends to net income (ytd only)* | 78.5924% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1389% | 1,270 |
| Loan loss allowance to noncurrent loans | 131.8519% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 2,179 |
| Noncurrent loans to loans | 1.6222% | 2,470 |
| Net loans and leases to total assets | 65.7661% | 2,728 |
| Net loans and leases to deposits | 73.4573% | 3,334 |
| Net loans and leases to core deposits | 75.1181% | 3,719 |
| Total domestic deposits to total assets | 89.5296% | 1,313 |
| Equity capital to assets | 10.2541% | 3,441 |
| Core capital (leverage) ratio | 9.2571% | 4,620 |
| Tier 1 risk-based capital ratio | 13.2883% | 4,798 |
| Total risk-based capital ratio | 14.5490% | 4,730 |
| Memoranda: | ||
| Average total assets | $112,291,000 | 4,452 |
| Average earning assets | $101,836,200 | 4,464 |
| Average equity | $11,444,600 | 4,552 |
| Average total loans | $74,155,600 | 4,124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 4,369 |
| Cost of funding earning assets | 0.6127% | 2,712 |
| Net interest margin | 3.3223% | 4,562 |
| Noninterest income to average assets | 0.4385% | 4,234 |
| Noninterest expense to average assets | 1.9187% | 6,154 |
| Loan and lease loss provision to assets | 0.1600% | 2,258 |
| Net operating income to assets | 1.2859% | 1,383 |
| Return on assets (ROA) | 1.2859% | 1,452 |
| Pretax return on assets | 1.3736% | 2,022 |
| Return on Equity (ROE) | 12.6357% | 1,326 |
| Retained earnings to average equity (ytd only) | 2.3641% | 4,914 |
| Net charge-offs to loans | 0.2307% | 2,417 |
| Credit loss provision to net charge-offs | 105.4688% | 2,217 |
| Earnings coverage of net charge-offs (x) | 10.1095% | 2,395 |
| Efficiency ratio | 53.2441% | 6,165 |
| Assets per employee ($millions) | 4.7692% | 2,480 |
| Cash dividends to net income (ytd only)* | 81.2903% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1641% | 1,391 |
| Loan loss allowance to noncurrent loans | 122.2484% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 2,278 |
| Noncurrent loans to loans | 1.7703% | 2,542 |
| Net loans and leases to total assets | 64.0867% | 2,990 |
| Net loans and leases to deposits | 71.8757% | 3,528 |
| Net loans and leases to core deposits | 73.0597% | 3,966 |
| Total domestic deposits to total assets | 89.1633% | 1,469 |
| Equity capital to assets | 10.3836% | 3,411 |
| Core capital (leverage) ratio | 9.1654% | 4,880 |
| Tier 1 risk-based capital ratio | 13.6308% | 4,670 |
| Total risk-based capital ratio | 14.8910% | 4,622 |
| Memoranda: | ||
| Average total assets | $112,501,750 | 4,498 |
| Average earning assets | $102,056,250 | 4,498 |
| Average equity | $11,448,750 | 4,600 |
| Average total loans | $73,970,250 | 4,156 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 4,385 |
| Cost of funding earning assets | 0.6273% | 2,712 |
| Net interest margin | 3.2970% | 4,597 |
| Noninterest income to average assets | 0.4584% | 4,105 |
| Noninterest expense to average assets | 1.9041% | 6,216 |
| Loan and lease loss provision to assets | 0.1587% | 2,341 |
| Net operating income to assets | 1.3117% | 1,296 |
| Return on assets (ROA) | 1.3117% | 1,378 |
| Pretax return on assets | 1.3981% | 1,936 |
| Return on Equity (ROE) | 12.9749% | 1,252 |
| Retained earnings to average equity (ytd only) | 2.2148% | 4,862 |
| Net charge-offs to loans | 0.3482% | 1,800 |
| Credit loss provision to net charge-offs | 69.2308% | 2,840 |
| Earnings coverage of net charge-offs (x) | 6.7923% | 2,652 |
| Efficiency ratio | 52.7254% | 6,240 |
| Assets per employee ($millions) | 5.0625% | 2,037 |
| Cash dividends to net income (ytd only)* | 82.9301% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 1,721 |
| Loan loss allowance to noncurrent loans | 139.5005% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6126% | 2,698 |
| Noncurrent loans to loans | 1.4759% | 3,092 |
| Net loans and leases to total assets | 64.4094% | 2,850 |
| Net loans and leases to deposits | 71.8064% | 3,478 |
| Net loans and leases to core deposits | 72.9625% | 3,934 |
| Total domestic deposits to total assets | 89.6988% | 1,206 |
| Equity capital to assets | 10.0337% | 3,869 |
| Core capital (leverage) ratio | 8.8409% | 5,230 |
| Tier 1 risk-based capital ratio | 13.3469% | 4,881 |
| Total risk-based capital ratio | 14.6064% | 4,822 |
| Memoranda: | ||
| Average total assets | $113,438,330 | 4,497 |
| Average earning assets | $103,307,330 | 4,489 |
| Average equity | $11,468,330 | 4,630 |
| Average total loans | $74,676,000 | 4,152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 4,539 |
| Cost of funding earning assets | 0.6511% | 2,649 |
| Net interest margin | 3.2323% | 4,796 |
| Noninterest income to average assets | 0.5346% | 3,537 |
| Noninterest expense to average assets | 1.8695% | 6,331 |
| Loan and lease loss provision to assets | 0.1572% | 2,298 |
| Net operating income to assets | 1.3523% | 1,147 |
| Return on assets (ROA) | 1.3523% | 1,238 |
| Pretax return on assets | 1.4397% | 1,740 |
| Return on Equity (ROE) | 13.3276% | 1,092 |
| Retained earnings to average equity (ytd only) | 9.4705% | 1,252 |
| Net charge-offs to loans | -0.0053% | 5,282 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6129% | 6,402 |
| Assets per employee ($millions) | 5.5080% | 1,661 |
| Cash dividends to net income (ytd only)* | 28.9406% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1458% | 1,698 |
| Loan loss allowance to noncurrent loans | 83.5868% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.6781% | 2,771 |
| Noncurrent loans to loans | 2.5672% | 2,013 |
| Net loans and leases to total assets | 62.8442% | 2,912 |
| Net loans and leases to deposits | 70.1472% | 3,459 |
| Net loans and leases to core deposits | 71.2347% | 3,927 |
| Total domestic deposits to total assets | 89.5891% | 1,305 |
| Equity capital to assets | 10.1455% | 3,963 |
| Core capital (leverage) ratio | 8.9444% | 4,979 |
| Tier 1 risk-based capital ratio | 12.9620% | 5,251 |
| Total risk-based capital ratio | 14.2215% | 5,194 |
| Memoranda: | ||
| Average total assets | $114,470,000 | 4,514 |
| Average earning assets | $103,828,500 | 4,522 |
| Average equity | $11,615,000 | 4,650 |
| Average total loans | $75,392,000 | 4,153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 3,948 |
| Cost of funding earning assets | 0.8417% | 2,351 |
| Net interest margin | 3.5274% | 4,387 |
| Noninterest income to average assets | 0.4480% | 4,260 |
| Noninterest expense to average assets | 2.0001% | 6,324 |
| Loan and lease loss provision to assets | 0.2682% | 2,498 |
| Net operating income to assets | 1.3027% | 1,290 |
| Return on assets (ROA) | 1.3027% | 1,436 |
| Pretax return on assets | 1.3760% | 2,120 |
| Return on Equity (ROE) | 12.7919% | 1,283 |
| Retained earnings to average equity (ytd only) | 5.3117% | 2,496 |
| Net charge-offs to loans | -0.0951% | 6,815 |
| Credit loss provision to net charge-offs | -428.5714% | 6,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6742% | 6,403 |
| Assets per employee ($millions) | 5.6637% | 1,553 |
| Cash dividends to net income (ytd only)* | 58.4763% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 1,961 |
| Loan loss allowance to noncurrent loans | 84.4978% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 2,925 |
| Noncurrent loans to loans | 2.3948% | 2,234 |
| Net loans and leases to total assets | 66.1693% | 2,503 |
| Net loans and leases to deposits | 74.5717% | 3,006 |
| Net loans and leases to core deposits | 76.0031% | 3,532 |
| Total domestic deposits to total assets | 88.7325% | 1,745 |
| Equity capital to assets | 10.1480% | 3,969 |
| Core capital (leverage) ratio | 8.6744% | 5,363 |
| Tier 1 risk-based capital ratio | 12.1957% | 5,661 |
| Total risk-based capital ratio | 13.4542% | 5,611 |
| Memoranda: | ||
| Average total assets | $111,842,800 | 4,549 |
| Average earning assets | $101,348,000 | 4,566 |
| Average equity | $11,390,000 | 4,694 |
| Average total loans | $73,585,800 | 4,219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 3,863 |
| Cost of funding earning assets | 0.8760% | 2,345 |
| Net interest margin | 3.5674% | 4,367 |
| Noninterest income to average assets | 0.4545% | 4,255 |
| Noninterest expense to average assets | 1.9912% | 6,363 |
| Loan and lease loss provision to assets | 0.2691% | 2,421 |
| Net operating income to assets | 1.3538% | 1,322 |
| Return on assets (ROA) | 1.3538% | 1,462 |
| Pretax return on assets | 1.4280% | 2,149 |
| Return on Equity (ROE) | 13.2817% | 1,274 |
| Retained earnings to average equity (ytd only) | 5.3502% | 3,128 |
| Net charge-offs to loans | -0.1537% | 6,944 |
| Credit loss provision to net charge-offs | -267.8571% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7834% | 6,470 |
| Assets per employee ($millions) | 5.6182% | 1,525 |
| Cash dividends to net income (ytd only)* | 59.7171% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 1,978 |
| Loan loss allowance to noncurrent loans | 141.3498% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 4,350 |
| Noncurrent loans to loans | 1.4649% | 3,593 |
| Net loans and leases to total assets | 62.5894% | 3,283 |
| Net loans and leases to deposits | 69.9823% | 3,899 |
| Net loans and leases to core deposits | 70.8580% | 4,394 |
| Total domestic deposits to total assets | 89.4361% | 1,165 |
| Equity capital to assets | 10.2382% | 4,152 |
| Core capital (leverage) ratio | 8.6643% | 5,531 |
| Tier 1 risk-based capital ratio | 12.9265% | 5,314 |
| Total risk-based capital ratio | 14.1860% | 5,268 |
| Memoranda: | ||
| Average total assets | $111,485,250 | 4,605 |
| Average earning assets | $101,061,000 | 4,618 |
| Average equity | $11,363,750 | 4,739 |
| Average total loans | $72,857,250 | 4,300 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 3,700 |
| Cost of funding earning assets | 0.9173% | 2,274 |
| Net interest margin | 3.5994% | 4,264 |
| Noninterest income to average assets | 0.4371% | 4,381 |
| Noninterest expense to average assets | 1.9875% | 6,457 |
| Loan and lease loss provision to assets | 0.2698% | 2,428 |
| Net operating income to assets | 1.3580% | 1,288 |
| Return on assets (ROA) | 1.3580% | 1,446 |
| Pretax return on assets | 1.4336% | 2,073 |
| Return on Equity (ROE) | 13.3428% | 1,269 |
| Retained earnings to average equity (ytd only) | 5.6199% | 2,918 |
| Net charge-offs to loans | 0.0328% | 4,917 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 78.9167% | 512 |
| Efficiency ratio | 51.6569% | 6,528 |
| Assets per employee ($millions) | 5.4768% | 1,643 |
| Cash dividends to net income (ytd only)* | 57.8808% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 2,686 |
| Loan loss allowance to noncurrent loans | 99.0964% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2124% | 3,991 |
| Noncurrent loans to loans | 1.8727% | 3,113 |
| Net loans and leases to total assets | 63.5377% | 3,136 |
| Net loans and leases to deposits | 71.1666% | 3,744 |
| Net loans and leases to core deposits | 72.3301% | 4,262 |
| Total domestic deposits to total assets | 89.2801% | 1,341 |
| Equity capital to assets | 10.3675% | 3,850 |
| Core capital (leverage) ratio | 8.6093% | 5,502 |
| Tier 1 risk-based capital ratio | 13.0683% | 5,137 |
| Total risk-based capital ratio | 14.3259% | 5,111 |
| Memoranda: | ||
| Average total assets | $111,192,330 | 4,638 |
| Average earning assets | $100,516,000 | 4,658 |
| Average equity | $11,317,000 | 4,748 |
| Average total loans | $73,204,670 | 4,308 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 3,821 |
| Cost of funding earning assets | 0.9370% | 2,394 |
| Net interest margin | 3.5872% | 4,317 |
| Noninterest income to average assets | 0.5463% | 3,590 |
| Noninterest expense to average assets | 1.9389% | 6,567 |
| Loan and lease loss provision to assets | 0.2678% | 2,316 |
| Net operating income to assets | 1.5319% | 972 |
| Return on assets (ROA) | 1.5319% | 1,092 |
| Pretax return on assets | 1.6068% | 1,550 |
| Return on Equity (ROE) | 15.1892% | 937 |
| Retained earnings to average equity (ytd only) | 6.5501% | 2,654 |
| Net charge-offs to loans | 0.0215% | 4,382 |
| Credit loss provision to net charge-offs | 1,875.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 131.2500% | 270 |
| Efficiency ratio | 48.6891% | 6,760 |
| Assets per employee ($millions) | 5.4021% | 1,787 |
| Cash dividends to net income (ytd only)* | 56.8765% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 3,314 |
| Loan loss allowance to noncurrent loans | 63.2085% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 3,248 |
| Noncurrent loans to loans | 2.7035% | 2,415 |
| Net loans and leases to total assets | 63.3273% | 2,979 |
| Net loans and leases to deposits | 70.6207% | 3,634 |
| Net loans and leases to core deposits | 71.5469% | 4,220 |
| Total domestic deposits to total assets | 89.6724% | 1,254 |
| Equity capital to assets | 10.0120% | 4,113 |
| Core capital (leverage) ratio | 8.4804% | 5,630 |
| Tier 1 risk-based capital ratio | 12.3072% | 5,752 |
| Total risk-based capital ratio | 13.5618% | 5,708 |
| Memoranda: | ||
| Average total assets | $112,021,000 | 4,652 |
| Average earning assets | $102,029,500 | 4,652 |
| Average equity | $11,297,500 | 4,766 |
| Average total loans | $74,351,000 | 4,301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 4,398 |
| Cost of funding earning assets | 1.1022% | 2,660 |
| Net interest margin | 3.5625% | 4,883 |
| Noninterest income to average assets | 0.4243% | 4,411 |
| Noninterest expense to average assets | 1.9712% | 6,725 |
| Loan and lease loss provision to assets | 0.2749% | 3,469 |
| Net operating income to assets | 1.3984% | 1,034 |
| Return on assets (ROA) | 1.3984% | 1,118 |
| Pretax return on assets | 1.4718% | 1,557 |
| Return on Equity (ROE) | 13.9053% | 953 |
| Retained earnings to average equity (ytd only) | 6.4424% | 1,778 |
| Net charge-offs to loans | 0.2608% | 4,145 |
| Credit loss provision to net charge-offs | 160.4278% | 1,721 |
| Earnings coverage of net charge-offs (x) | 10.1925% | 1,874 |
| Efficiency ratio | 50.8011% | 6,788 |
| Assets per employee ($millions) | 5.5299% | 1,607 |
| Cash dividends to net income (ytd only)* | 53.6697% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,762 |
| Loan loss allowance to noncurrent loans | 60.0102% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7749% | 3,290 |
| Noncurrent loans to loans | 2.5961% | 2,519 |
| Net loans and leases to total assets | 67.3014% | 2,517 |
| Net loans and leases to deposits | 77.3630% | 2,946 |
| Net loans and leases to core deposits | 78.4308% | 3,634 |
| Total domestic deposits to total assets | 86.9943% | 2,768 |
| Equity capital to assets | 10.1602% | 3,960 |
| Core capital (leverage) ratio | 8.3527% | 5,777 |
| Tier 1 risk-based capital ratio | 11.8348% | 5,938 |
| Total risk-based capital ratio | 13.0883% | 5,920 |
| Memoranda: | ||
| Average total assets | $109,121,200 | 4,662 |
| Average earning assets | $100,885,600 | 4,618 |
| Average equity | $10,974,200 | 4,785 |
| Average total loans | $71,710,200 | 4,422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 4,766 |
| Cost of funding earning assets | 1.1334% | 2,753 |
| Net interest margin | 3.4917% | 5,224 |
| Noninterest income to average assets | 0.4414% | 4,354 |
| Noninterest expense to average assets | 1.9346% | 6,815 |
| Loan and lease loss provision to assets | 0.2758% | 3,307 |
| Net operating income to assets | 1.3891% | 1,182 |
| Return on assets (ROA) | 1.3891% | 1,256 |
| Pretax return on assets | 1.4602% | 1,758 |
| Return on Equity (ROE) | 13.8482% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.3924% | 2,300 |
| Net charge-offs to loans | 0.0716% | 5,243 |
| Credit loss provision to net charge-offs | 592.1053% | 457 |
| Earnings coverage of net charge-offs (x) | 37.2597% | 809 |
| Efficiency ratio | 50.4342% | 6,805 |
| Assets per employee ($millions) | 5.1381% | 2,010 |
| Cash dividends to net income (ytd only)* | 53.8391% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 3,101 |
| Loan loss allowance to noncurrent loans | 36.3214% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.1946% | 2,002 |
| Noncurrent loans to loans | 4.8186% | 1,333 |
| Net loans and leases to total assets | 65.1375% | 3,079 |
| Net loans and leases to deposits | 72.9806% | 3,811 |
| Net loans and leases to core deposits | 73.9863% | 4,442 |
| Total domestic deposits to total assets | 89.2531% | 1,283 |
| Equity capital to assets | 10.3753% | 3,858 |
| Core capital (leverage) ratio | 8.1275% | 6,250 |
| Tier 1 risk-based capital ratio | 12.0285% | 5,874 |
| Total risk-based capital ratio | 13.2836% | 5,858 |
| Memoranda: | ||
| Average total assets | $108,752,000 | 4,702 |
| Average earning assets | $100,579,250 | 4,658 |
| Average equity | $10,908,500 | 4,829 |
| Average total loans | $70,734,750 | 4,503 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 4,521 |
| Cost of funding earning assets | 1.1565% | 2,863 |
| Net interest margin | 3.5465% | 4,934 |
| Noninterest income to average assets | 0.4329% | 4,408 |
| Noninterest expense to average assets | 1.9920% | 6,814 |
| Loan and lease loss provision to assets | 0.2751% | 3,182 |
| Net operating income to assets | 1.3867% | 1,110 |
| Return on assets (ROA) | 1.3867% | 1,180 |
| Pretax return on assets | 1.4564% | 1,649 |
| Return on Equity (ROE) | 13.9832% | 984 |
| Retained earnings to average equity (ytd only) | 6.2147% | 2,287 |
| Net charge-offs to loans | 0.1135% | 4,566 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 23.6000% | 1,086 |
| Efficiency ratio | 51.2808% | 6,853 |
| Assets per employee ($millions) | 5.2706% | 1,793 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 3,422 |
| Loan loss allowance to noncurrent loans | 50.7340% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.0925% | 3,120 |
| Noncurrent loans to loans | 3.2910% | 2,170 |
| Net loans and leases to total assets | 62.5200% | 3,785 |
| Net loans and leases to deposits | 69.7753% | 4,465 |
| Net loans and leases to core deposits | 71.1119% | 4,937 |
| Total domestic deposits to total assets | 89.6018% | 1,185 |
| Equity capital to assets | 10.0413% | 4,087 |
| Core capital (leverage) ratio | 7.9342% | 6,377 |
| Tier 1 risk-based capital ratio | 11.8983% | 5,863 |
| Total risk-based capital ratio | 13.1543% | 5,833 |
| Memoranda: | ||
| Average total assets | $109,035,670 | 4,726 |
| Average earning assets | $101,170,330 | 4,677 |
| Average equity | $10,813,000 | 4,846 |
| Average total loans | $70,467,670 | 4,553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 4,962 |
| Cost of funding earning assets | 1.1892% | 2,886 |
| Net interest margin | 3.4068% | 5,404 |
| Noninterest income to average assets | 0.4990% | 3,900 |
| Noninterest expense to average assets | 1.9998% | 6,829 |
| Loan and lease loss provision to assets | 0.2772% | 2,939 |
| Net operating income to assets | 1.3677% | 1,123 |
| Return on assets (ROA) | 1.3677% | 1,173 |
| Pretax return on assets | 1.4305% | 1,646 |
| Return on Equity (ROE) | 13.8804% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.5522% | 2,883 |
| Net charge-offs to loans | 0.2269% | 3,178 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 11.5500% | 1,547 |
| Efficiency ratio | 51.6451% | 6,881 |
| Assets per employee ($millions) | 5.0144% | 2,145 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 3,838 |
| Loan loss allowance to noncurrent loans | 48.2653% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.0641% | 3,246 |
| Noncurrent loans to loans | 3.2657% | 2,298 |
| Net loans and leases to total assets | 62.2086% | 3,810 |
| Net loans and leases to deposits | 69.1334% | 4,508 |
| Net loans and leases to core deposits | 70.6734% | 4,966 |
| Total domestic deposits to total assets | 89.9833% | 1,155 |
| Equity capital to assets | 9.6840% | 4,197 |
| Core capital (leverage) ratio | 7.8683% | 6,397 |
| Tier 1 risk-based capital ratio | 11.7397% | 5,905 |
| Total risk-based capital ratio | 12.9934% | 5,909 |
| Memoranda: | ||
| Average total assets | $108,212,000 | 4,786 |
| Average earning assets | $101,914,500 | 4,691 |
| Average equity | $10,662,500 | 4,880 |
| Average total loans | $70,514,500 | 4,604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 5,169 |
| Cost of funding earning assets | 1.4478% | 2,967 |
| Net interest margin | 3.4173% | 5,564 |
| Noninterest income to average assets | 0.4209% | 4,736 |
| Noninterest expense to average assets | 2.0639% | 6,916 |
| Loan and lease loss provision to assets | 0.4394% | 3,481 |
| Net operating income to assets | 1.0472% | 1,887 |
| Return on assets (ROA) | 1.0472% | 1,982 |
| Pretax return on assets | 1.1055% | 2,559 |
| Return on Equity (ROE) | 10.7073% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.3227% | 2,813 |
| Net charge-offs to loans | 0.4089% | 3,999 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 5.8596% | 2,513 |
| Efficiency ratio | 54.8834% | 6,726 |
| Assets per employee ($millions) | 4.6134% | 2,682 |
| Cash dividends to net income (ytd only)* | 59.6290% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 4,052 |
| Loan loss allowance to noncurrent loans | 45.5518% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 2.2034% | 3,095 |
| Noncurrent loans to loans | 3.2789% | 2,315 |
| Net loans and leases to total assets | 66.1958% | 3,429 |
| Net loans and leases to deposits | 73.8612% | 4,216 |
| Net loans and leases to core deposits | 75.4771% | 4,790 |
| Total domestic deposits to total assets | 89.6219% | 1,310 |
| Equity capital to assets | 10.0294% | 3,712 |
| Core capital (leverage) ratio | 7.8528% | 6,379 |
| Tier 1 risk-based capital ratio | 11.2337% | 6,150 |
| Total risk-based capital ratio | 12.4864% | 6,130 |
| Memoranda: | ||
| Average total assets | $108,097,600 | 4,769 |
| Average earning assets | $100,841,000 | 4,703 |
| Average equity | $10,572,200 | 4,966 |
| Average total loans | $69,697,600 | 4,697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 5,401 |
| Cost of funding earning assets | 1.4925% | 3,026 |
| Net interest margin | 3.3757% | 5,764 |
| Noninterest income to average assets | 0.4395% | 4,643 |
| Noninterest expense to average assets | 2.0725% | 6,908 |
| Loan and lease loss provision to assets | 0.4911% | 3,013 |
| Net operating income to assets | 0.9577% | 2,384 |
| Return on assets (ROA) | 0.9577% | 2,510 |
| Pretax return on assets | 1.0166% | 3,123 |
| Return on Equity (ROE) | 9.8531% | 2,179 |
| Retained earnings to average equity (ytd only) | 3.5749% | 3,932 |
| Net charge-offs to loans | 0.5560% | 3,086 |
| Credit loss provision to net charge-offs | 138.4083% | 2,882 |
| Earnings coverage of net charge-offs (x) | 4.2492% | 3,137 |
| Efficiency ratio | 55.5556% | 6,618 |
| Assets per employee ($millions) | 4.5969% | 2,753 |
| Cash dividends to net income (ytd only)* | 63.7182% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,584 |
| Loan loss allowance to noncurrent loans | 56.2785% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.6996% | 3,897 |
| Noncurrent loans to loans | 2.4485% | 3,178 |
| Net loans and leases to total assets | 66.7458% | 3,519 |
| Net loans and leases to deposits | 74.6335% | 4,410 |
| Net loans and leases to core deposits | 76.2685% | 5,024 |
| Total domestic deposits to total assets | 89.4314% | 1,158 |
| Equity capital to assets | 10.1241% | 3,987 |
| Core capital (leverage) ratio | 7.5134% | 6,832 |
| Tier 1 risk-based capital ratio | 10.9996% | 6,387 |
| Total risk-based capital ratio | 12.2508% | 6,366 |
| Memoranda: | ||
| Average total assets | $108,595,000 | 4,818 |
| Average earning assets | $101,033,750 | 4,759 |
| Average equity | $10,554,750 | 5,038 |
| Average total loans | $69,296,000 | 4,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 5,671 |
| Cost of funding earning assets | 1.5286% | 3,084 |
| Net interest margin | 3.3054% | 5,998 |
| Noninterest income to average assets | 0.4436% | 4,575 |
| Noninterest expense to average assets | 2.0611% | 6,996 |
| Loan and lease loss provision to assets | 0.5933% | 2,405 |
| Net operating income to assets | 0.7923% | 3,003 |
| Return on assets (ROA) | 0.7923% | 3,153 |
| Pretax return on assets | 0.8526% | 3,694 |
| Return on Equity (ROE) | 8.2627% | 2,780 |
| Retained earnings to average equity (ytd only) | 3.1985% | 4,074 |
| Net charge-offs to loans | 0.8403% | 2,147 |
| Credit loss provision to net charge-offs | 112.8472% | 3,603 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,615 |
| Efficiency ratio | 56.4289% | 6,581 |
| Assets per employee ($millions) | 4.9648% | 2,225 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,731 |
| Loan loss allowance to noncurrent loans | 52.3236% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.6370% | 3,979 |
| Noncurrent loans to loans | 2.5611% | 3,087 |
| Net loans and leases to total assets | 61.4725% | 4,786 |
| Net loans and leases to deposits | 68.4089% | 5,509 |
| Net loans and leases to core deposits | 69.8471% | 5,889 |
| Total domestic deposits to total assets | 89.8605% | 988 |
| Equity capital to assets | 9.7092% | 4,397 |
| Core capital (leverage) ratio | 7.2590% | 7,026 |
| Tier 1 risk-based capital ratio | 10.9403% | 6,304 |
| Total risk-based capital ratio | 12.1966% | 6,282 |
| Memoranda: | ||
| Average total assets | $109,550,670 | 4,814 |
| Average earning assets | $101,530,670 | 4,762 |
| Average equity | $10,505,000 | 5,056 |
| Average total loans | $68,543,000 | 4,839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 5,649 |
| Cost of funding earning assets | 1.5682% | 3,150 |
| Net interest margin | 3.2904% | 6,008 |
| Noninterest income to average assets | 0.4776% | 4,221 |
| Noninterest expense to average assets | 2.0016% | 7,156 |
| Loan and lease loss provision to assets | 0.9115% | 1,395 |
| Net operating income to assets | 0.5359% | 4,203 |
| Return on assets (ROA) | 0.5359% | 4,341 |
| Pretax return on assets | 0.6016% | 4,596 |
| Return on Equity (ROE) | 5.6241% | 4,053 |
| Retained earnings to average equity (ytd only) | 1.5304% | 5,178 |
| Net charge-offs to loans | 1.5643% | 1,111 |
| Credit loss provision to net charge-offs | 92.9368% | 3,588 |
| Earnings coverage of net charge-offs (x) | 1.5428% | 3,805 |
| Efficiency ratio | 54.5643% | 6,923 |
| Assets per employee ($millions) | 5.1272% | 2,055 |
| Cash dividends to net income (ytd only)* | 72.7891% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,994 |
| Loan loss allowance to noncurrent loans | 48.3616% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7146% | 3,902 |
| Noncurrent loans to loans | 2.6650% | 3,005 |
| Net loans and leases to total assets | 58.1216% | 5,417 |
| Net loans and leases to deposits | 64.3294% | 6,027 |
| Net loans and leases to core deposits | 65.6309% | 6,317 |
| Total domestic deposits to total assets | 90.3500% | 805 |
| Equity capital to assets | 9.2440% | 4,927 |
| Core capital (leverage) ratio | 7.2366% | 7,078 |
| Tier 1 risk-based capital ratio | 10.6725% | 6,470 |
| Total risk-based capital ratio | 11.8450% | 6,538 |
| Memoranda: | ||
| Average total assets | $109,713,000 | 4,878 |
| Average earning assets | $101,264,000 | 4,843 |
| Average equity | $10,455,000 | 5,111 |
| Average total loans | $68,786,500 | 4,904 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 5,407 |
| Cost of funding earning assets | 1.8202% | 3,881 |
| Net interest margin | 3.4309% | 5,252 |
| Noninterest income to average assets | 0.3888% | 5,302 |
| Noninterest expense to average assets | 2.0423% | 7,293 |
| Loan and lease loss provision to assets | 0.4296% | 4,250 |
| Net operating income to assets | 1.0689% | 1,600 |
| Return on assets (ROA) | 1.0689% | 1,644 |
| Pretax return on assets | 1.1246% | 2,173 |
| Return on Equity (ROE) | 11.0402% | 1,405 |
| Retained earnings to average equity (ytd only) | 3.2584% | 2,877 |
| Net charge-offs to loans | 0.4657% | 3,915 |
| Credit loss provision to net charge-offs | 139.0390% | 3,521 |
| Earnings coverage of net charge-offs (x) | 5.0300% | 2,708 |
| Efficiency ratio | 54.4634% | 7,179 |
| Assets per employee ($millions) | 4.8467% | 2,412 |
| Cash dividends to net income (ytd only)* | 70.4861% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 5,178 |
| Loan loss allowance to noncurrent loans | 33.2447% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 2.9898% | 2,345 |
| Noncurrent loans to loans | 3.6989% | 2,034 |
| Net loans and leases to total assets | 65.9133% | 4,173 |
| Net loans and leases to deposits | 73.4491% | 5,127 |
| Net loans and leases to core deposits | 82.0151% | 5,905 |
| Total domestic deposits to total assets | 89.7400% | 1,083 |
| Equity capital to assets | 9.8314% | 3,968 |
| Core capital (leverage) ratio | 7.2416% | 7,036 |
| Tier 1 risk-based capital ratio | 10.2294% | 6,655 |
| Total risk-based capital ratio | 11.3874% | 6,722 |
| Memoranda: | ||
| Average total assets | $107,770,400 | 4,885 |
| Average earning assets | $100,760,000 | 4,824 |
| Average equity | $10,434,600 | 5,180 |
| Average total loans | $71,511,200 | 4,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 5,944 |
| Cost of funding earning assets | 1.8413% | 4,192 |
| Net interest margin | 3.3432% | 5,473 |
| Noninterest income to average assets | 0.3949% | 5,336 |
| Noninterest expense to average assets | 2.0470% | 7,292 |
| Loan and lease loss provision to assets | 0.4788% | 3,510 |
| Net operating income to assets | 0.9612% | 2,192 |
| Return on assets (ROA) | 0.9612% | 2,254 |
| Pretax return on assets | 1.0167% | 2,851 |
| Return on Equity (ROE) | 9.9654% | 1,921 |
| Retained earnings to average equity (ytd only) | 2.6609% | 3,841 |
| Net charge-offs to loans | 0.3650% | 3,825 |
| Credit loss provision to net charge-offs | 197.9592% | 2,265 |
| Earnings coverage of net charge-offs (x) | 6.1836% | 2,652 |
| Efficiency ratio | 55.4162% | 7,076 |
| Assets per employee ($millions) | 4.9092% | 2,258 |
| Cash dividends to net income (ytd only)* | 73.2987% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,379 |
| Loan loss allowance to noncurrent loans | 38.8797% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.7722% | 2,501 |
| Noncurrent loans to loans | 3.3955% | 2,217 |
| Net loans and leases to total assets | 64.8507% | 4,683 |
| Net loans and leases to deposits | 72.2360% | 5,607 |
| Net loans and leases to core deposits | 80.1823% | 6,339 |
| Total domestic deposits to total assets | 89.7761% | 856 |
| Equity capital to assets | 9.6943% | 4,506 |
| Core capital (leverage) ratio | 7.1921% | 7,273 |
| Tier 1 risk-based capital ratio | 10.0702% | 6,908 |
| Total risk-based capital ratio | 11.3158% | 6,862 |
| Memoranda: | ||
| Average total assets | $108,056,000 | 4,914 |
| Average earning assets | $101,735,000 | 4,827 |
| Average equity | $10,422,500 | 5,225 |
| Average total loans | $71,599,750 | 4,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 5,972 |
| Cost of funding earning assets | 1.8701% | 4,419 |
| Net interest margin | 3.3564% | 5,332 |
| Noninterest income to average assets | 0.3886% | 5,390 |
| Noninterest expense to average assets | 2.0023% | 7,460 |
| Loan and lease loss provision to assets | 0.5792% | 2,704 |
| Net operating income to assets | 0.9197% | 2,377 |
| Return on assets (ROA) | 0.9197% | 2,475 |
| Pretax return on assets | 0.9790% | 3,086 |
| Return on Equity (ROE) | 9.5516% | 2,172 |
| Retained earnings to average equity (ytd only) | 2.6137% | 3,872 |
| Net charge-offs to loans | 0.5487% | 2,679 |
| Credit loss provision to net charge-offs | 158.8832% | 2,894 |
| Earnings coverage of net charge-offs (x) | 4.2741% | 3,153 |
| Efficiency ratio | 53.8981% | 7,346 |
| Assets per employee ($millions) | 5.0859% | 1,987 |
| Cash dividends to net income (ytd only)* | 72.6358% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 4,814 |
| Loan loss allowance to noncurrent loans | 30.2105% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 3.2302% | 1,940 |
| Noncurrent loans to loans | 4.0389% | 1,670 |
| Net loans and leases to total assets | 65.2616% | 4,712 |
| Net loans and leases to deposits | 72.7305% | 5,641 |
| Net loans and leases to core deposits | 80.6381% | 6,350 |
| Total domestic deposits to total assets | 89.7307% | 946 |
| Equity capital to assets | 9.6981% | 4,351 |
| Core capital (leverage) ratio | 7.0108% | 7,530 |
| Tier 1 risk-based capital ratio | 10.0712% | 6,854 |
| Total risk-based capital ratio | 11.2305% | 6,878 |
| Memoranda: | ||
| Average total assets | $108,074,000 | 4,938 |
| Average earning assets | $102,133,330 | 4,833 |
| Average equity | $10,406,670 | 5,244 |
| Average total loans | $71,807,330 | 4,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 6,205 |
| Cost of funding earning assets | 1.8830% | 4,728 |
| Net interest margin | 3.3419% | 5,359 |
| Noninterest income to average assets | 0.4158% | 5,087 |
| Noninterest expense to average assets | 1.9575% | 7,434 |
| Loan and lease loss provision to assets | 0.3496% | 3,223 |
| Net operating income to assets | 1.2032% | 1,645 |
| Return on assets (ROA) | 1.2032% | 1,758 |
| Pretax return on assets | 1.2694% | 2,378 |
| Return on Equity (ROE) | 12.5395% | 1,503 |
| Retained earnings to average equity (ytd only) | 10.3154% | 1,115 |
| Net charge-offs to loans | -0.0110% | 7,295 |
| Credit loss provision to net charge-offs | -4,750.0000% | 6,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3663% | 7,378 |
| Assets per employee ($millions) | 5.2034% | 1,841 |
| Cash dividends to net income (ytd only)* | 17.7370% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 4,990 |
| Loan loss allowance to noncurrent loans | 38.0823% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0911% | 2,764 |
| Noncurrent loans to loans | 3.0710% | 2,113 |
| Net loans and leases to total assets | 65.1179% | 4,789 |
| Net loans and leases to deposits | 72.4733% | 5,685 |
| Net loans and leases to core deposits | 79.6398% | 6,412 |
| Total domestic deposits to total assets | 89.8509% | 866 |
| Equity capital to assets | 9.6613% | 4,436 |
| Core capital (leverage) ratio | 7.3256% | 7,352 |
| Tier 1 risk-based capital ratio | 9.9790% | 6,950 |
| Total risk-based capital ratio | 11.0858% | 7,011 |
| Memoranda: | ||
| Average total assets | $108,709,000 | 4,935 |
| Average earning assets | $102,815,500 | 4,837 |
| Average equity | $10,431,000 | 5,249 |
| Average total loans | $72,429,500 | 4,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 6,695 |
| Cost of funding earning assets | 2.6462% | 3,454 |
| Net interest margin | 3.0789% | 6,709 |
| Noninterest income to average assets | 0.3632% | 5,811 |
| Noninterest expense to average assets | 1.8238% | 7,722 |
| Loan and lease loss provision to assets | 0.4206% | 3,177 |
| Net operating income to assets | 0.9568% | 2,756 |
| Return on assets (ROA) | 0.9568% | 2,627 |
| Pretax return on assets | 1.0094% | 3,348 |
| Return on Equity (ROE) | 10.4397% | 2,108 |
| Retained earnings to average equity (ytd only) | 2.1589% | 3,881 |
| Net charge-offs to loans | 0.5823% | 2,077 |
| Credit loss provision to net charge-offs | 114.5833% | 4,713 |
| Earnings coverage of net charge-offs (x) | 3.8958% | 4,190 |
| Efficiency ratio | 53.4078% | 7,337 |
| Assets per employee ($millions) | 5.1499% | 1,783 |
| Cash dividends to net income (ytd only)* | 79.3207% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 5,838 |
| Loan loss allowance to noncurrent loans | 59.0801% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 3,756 |
| Noncurrent loans to loans | 1.7307% | 3,170 |
| Net loans and leases to total assets | 66.6842% | 4,712 |
| Net loans and leases to deposits | 77.4619% | 5,410 |
| Net loans and leases to core deposits | 85.5359% | 6,168 |
| Total domestic deposits to total assets | 86.0865% | 2,365 |
| Equity capital to assets | 9.5287% | 4,641 |
| Core capital (leverage) ratio | 7.0187% | 7,678 |
| Tier 1 risk-based capital ratio | 9.3336% | 7,484 |
| Total risk-based capital ratio | 10.2863% | 7,740 |
| Memoranda: | ||
| Average total assets | $104,615,800 | 4,911 |
| Average earning assets | $98,217,000 | 4,858 |
| Average equity | $9,588,400 | 5,538 |
| Average total loans | $65,946,800 | 5,020 |