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 | 4.6326% | 2,823 |
| Cost of funding earning assets | 2.5776% | 311 |
| Net interest margin | 2.0551% | 4,395 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.2776% | 4,448 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7619% | 3,004 |
| Return on assets (ROA) | 0.7619% | 2,982 |
| Pretax return on assets | 0.8015% | 3,211 |
| Return on Equity (ROE) | 8.2600% | 2,954 |
| Retained earnings to average equity (ytd only) | 3.6383% | 3,077 |
| Net charge-offs to loans | 0.1528% | 677 |
| Credit loss provision to net charge-offs | 154.8387% | 1,448 |
| Earnings coverage of net charge-offs (x) | 10.1586% | 2,254 |
| Efficiency ratio | 57.0568% | 3,390 |
| Assets per employee ($millions) | 11.9851% | 416 |
| Cash dividends to net income (ytd only)* | 55.9452% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7933% | 146 |
| Loan loss allowance to noncurrent loans | 87.7747% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 2.0880% | 127 |
| Noncurrent loans to loans | 3.1824% | 132 |
| Net loans and leases to total assets | 63.7800% | 2,482 |
| Net loans and leases to deposits | 74.6982% | 2,565 |
| Net loans and leases to core deposits | 93.4845% | 1,805 |
| Total domestic deposits to total assets | 85.3800% | 2,192 |
| Equity capital to assets | 9.9994% | 2,012 |
| Core capital (leverage) ratio | 10.5266% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5272% | 1,175 |
| Memoranda: | ||
| Average total assets | $392,989,000 | 2,035 |
| Average earning assets | $382,374,600 | 1,972 |
| Average equity | $36,253,600 | 2,009 |
| Average total loans | $243,442,800 | 2,040 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 2,853 |
| Cost of funding earning assets | 2.4820% | 286 |
| Net interest margin | 2.0431% | 4,427 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.3695% | 4,415 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.6691% | 3,389 |
| Return on assets (ROA) | 0.6691% | 3,377 |
| Pretax return on assets | 0.7045% | 3,539 |
| Return on Equity (ROE) | 7.4000% | 3,330 |
| Retained earnings to average equity (ytd only) | 1.1531% | 3,916 |
| Net charge-offs to loans | 0.1049% | 757 |
| Credit loss provision to net charge-offs | 160.5263% | 1,275 |
| Earnings coverage of net charge-offs (x) | 13.3842% | 2,038 |
| Efficiency ratio | 61.4930% | 2,785 |
| Assets per employee ($millions) | 12.2529% | 350 |
| Cash dividends to net income (ytd only)* | 84.4254% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8250% | 143 |
| Loan loss allowance to noncurrent loans | 76.4907% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 2.3886% | 101 |
| Noncurrent loans to loans | 3.6933% | 91 |
| Net loans and leases to total assets | 62.8500% | 2,578 |
| Net loans and leases to deposits | 73.7159% | 2,593 |
| Net loans and leases to core deposits | 92.2276% | 1,780 |
| Total domestic deposits to total assets | 85.2600% | 2,427 |
| Equity capital to assets | 9.3481% | 2,198 |
| Core capital (leverage) ratio | 10.0871% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4385% | 1,216 |
| Memoranda: | ||
| Average total assets | $395,355,250 | 2,023 |
| Average earning assets | $384,888,000 | 1,967 |
| Average equity | $35,729,500 | 2,021 |
| Average total loans | $241,394,750 | 2,054 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,995 |
| Cost of funding earning assets | 2.3574% | 244 |
| Net interest margin | 1.9937% | 4,499 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.2848% | 4,478 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.7016% | 3,340 |
| Return on assets (ROA) | 0.7016% | 3,346 |
| Pretax return on assets | 0.7385% | 3,525 |
| Return on Equity (ROE) | 7.8500% | 3,275 |
| Retained earnings to average equity (ytd only) | 5.3347% | 2,849 |
| Net charge-offs to loans | -0.0117% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.0815% | 3,070 |
| Assets per employee ($millions) | 11.6431% | 418 |
| Cash dividends to net income (ytd only)* | 32.0285% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9147% | 138 |
| Loan loss allowance to noncurrent loans | 76.0853% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3217% | 111 |
| Noncurrent loans to loans | 3.8308% | 93 |
| Net loans and leases to total assets | 58.8400% | 2,880 |
| Net loans and leases to deposits | 68.2847% | 2,906 |
| Net loans and leases to core deposits | 88.7301% | 1,881 |
| Total domestic deposits to total assets | 86.1700% | 2,180 |
| Equity capital to assets | 9.2173% | 2,362 |
| Core capital (leverage) ratio | 10.0355% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9348% | 1,135 |
| Memoranda: | ||
| Average total assets | $400,527,000 | 2,012 |
| Average earning assets | $390,427,000 | 1,943 |
| Average equity | $35,803,333 | 2,027 |
| Average total loans | $239,973,000 | 2,053 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 3,022 |
| Cost of funding earning assets | 2.2347% | 180 |
| Net interest margin | 1.9738% | 4,568 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.3573% | 4,504 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.6722% | 3,524 |
| Return on assets (ROA) | 0.6722% | 3,478 |
| Pretax return on assets | 0.7099% | 3,639 |
| Return on Equity (ROE) | 7.6400% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.5606% | 3,588 |
| Net charge-offs to loans | -0.0117% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.2181% | 2,786 |
| Assets per employee ($millions) | 12.8771% | 314 |
| Cash dividends to net income (ytd only)* | 66.4697% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7946% | 161 |
| Loan loss allowance to noncurrent loans | 76.9361% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.2255% | 100 |
| Noncurrent loans to loans | 3.6324% | 106 |
| Net loans and leases to total assets | 59.5600% | 2,708 |
| Net loans and leases to deposits | 69.7480% | 2,635 |
| Net loans and leases to core deposits | 89.8388% | 1,622 |
| Total domestic deposits to total assets | 85.3900% | 2,747 |
| Equity capital to assets | 9.0381% | 2,490 |
| Core capital (leverage) ratio | 9.7326% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2160% | 1,327 |
| Memoranda: | ||
| Average total assets | $402,857,500 | 2,033 |
| Average earning assets | $392,544,000 | 1,960 |
| Average equity | $35,461,000 | 2,067 |
| Average total loans | $239,999,000 | 2,068 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 3,377 |
| Cost of funding earning assets | 1.2919% | 53 |
| Net interest margin | 2.0947% | 4,525 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.2175% | 4,605 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.8477% | 3,161 |
| Return on assets (ROA) | 0.7747% | 3,348 |
| Pretax return on assets | 0.8154% | 3,584 |
| Return on Equity (ROE) | 9.0100% | 3,130 |
| Retained earnings to average equity (ytd only) | 1.5380% | 4,091 |
| Net charge-offs to loans | 0.4981% | 149 |
| Credit loss provision to net charge-offs | 56.1750% | 1,797 |
| Earnings coverage of net charge-offs (x) | 3.7779% | 2,450 |
| Efficiency ratio | 53.7387% | 3,815 |
| Assets per employee ($millions) | 13.1137% | 298 |
| Cash dividends to net income (ytd only)* | 82.9238% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8566% | 138 |
| Loan loss allowance to noncurrent loans | 63.2524% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.8158% | 56 |
| Noncurrent loans to loans | 4.5162% | 68 |
| Net loans and leases to total assets | 56.2600% | 3,004 |
| Net loans and leases to deposits | 65.8195% | 2,901 |
| Net loans and leases to core deposits | 81.7115% | 2,027 |
| Total domestic deposits to total assets | 85.4700% | 2,866 |
| Equity capital to assets | 8.5709% | 2,656 |
| Core capital (leverage) ratio | 9.6399% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3777% | 1,273 |
| Memoranda: | ||
| Average total assets | $420,286,000 | 1,955 |
| Average earning assets | $410,329,600 | 1,880 |
| Average equity | $36,150,000 | 2,063 |
| Average total loans | $234,089,600 | 2,028 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2750% | 3,249 |
| Cost of funding earning assets | 1.1128% | 35 |
| Net interest margin | 2.1622% | 4,483 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.0658% | 4,657 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.0601% | 2,252 |
| Return on assets (ROA) | 1.0601% | 2,215 |
| Pretax return on assets | 1.1161% | 2,674 |
| Return on Equity (ROE) | 12.3100% | 1,938 |
| Retained earnings to average equity (ytd only) | 2.4453% | 3,929 |
| Net charge-offs to loans | 0.6069% | 106 |
| Credit loss provision to net charge-offs | 47.3684% | 1,532 |
| Earnings coverage of net charge-offs (x) | 3.8073% | 2,197 |
| Efficiency ratio | 45.5364% | 4,401 |
| Assets per employee ($millions) | 12.7154% | 326 |
| Cash dividends to net income (ytd only)* | 80.1425% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8075% | 157 |
| Loan loss allowance to noncurrent loans | 52.6498% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 3.3166% | 38 |
| Noncurrent loans to loans | 5.3323% | 50 |
| Net loans and leases to total assets | 56.8000% | 2,823 |
| Net loans and leases to deposits | 64.4754% | 2,827 |
| Net loans and leases to core deposits | 78.9704% | 1,973 |
| Total domestic deposits to total assets | 88.1000% | 2,396 |
| Equity capital to assets | 8.2432% | 2,721 |
| Core capital (leverage) ratio | 9.4994% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2066% | 1,366 |
| Memoranda: | ||
| Average total assets | $423,726,250 | 1,953 |
| Average earning assets | $413,959,250 | 1,880 |
| Average equity | $36,476,750 | 2,091 |
| Average total loans | $233,757,000 | 2,034 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1720% | 3,139 |
| Cost of funding earning assets | 1.0456% | 30 |
| Net interest margin | 2.1264% | 4,498 |
| Noninterest income to average assets | 0.2590% | 3,620 |
| Noninterest expense to average assets | 1.0733% | 4,680 |
| Loan and lease loss provision to assets | 0.1411% | 678 |
| Net operating income to assets | 1.0696% | 1,897 |
| Return on assets (ROA) | 1.0696% | 1,878 |
| Pretax return on assets | 1.1241% | 2,326 |
| Return on Equity (ROE) | 12.2599% | 1,601 |
| Retained earnings to average equity (ytd only) | 8.5222% | 1,428 |
| Net charge-offs to loans | 0.6876% | 89 |
| Credit loss provision to net charge-offs | 37.9224% | 1,542 |
| Earnings coverage of net charge-offs (x) | 3.3992% | 2,000 |
| Efficiency ratio | 45.8964% | 4,456 |
| Assets per employee ($millions) | 14.0428% | 232 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9827% | 146 |
| Loan loss allowance to noncurrent loans | 50.2722% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 3.3759% | 41 |
| Noncurrent loans to loans | 5.9331% | 43 |
| Net loans and leases to total assets | 52.0383% | 3,151 |
| Net loans and leases to deposits | 58.0524% | 3,223 |
| Net loans and leases to core deposits | 70.5286% | 2,449 |
| Total domestic deposits to total assets | 89.6402% | 1,875 |
| Equity capital to assets | 8.7141% | 2,605 |
| Core capital (leverage) ratio | 9.2137% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2918% | 1,123 |
| Memoranda: | ||
| Average total assets | $429,337,000 | 1,941 |
| Average earning assets | $419,855,667 | 1,880 |
| Average equity | $37,455,333 | 2,096 |
| Average total loans | $232,411,333 | 2,039 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 2,619 |
| Cost of funding earning assets | 1.0310% | 32 |
| Net interest margin | 2.1922% | 4,357 |
| Noninterest income to average assets | 0.4034% | 2,668 |
| Noninterest expense to average assets | 1.1058% | 4,691 |
| Loan and lease loss provision to assets | 0.1403% | 572 |
| Net operating income to assets | 1.2368% | 1,146 |
| Return on assets (ROA) | 1.2368% | 1,136 |
| Pretax return on assets | 1.3024% | 1,501 |
| Return on Equity (ROE) | 14.1696% | 806 |
| Retained earnings to average equity (ytd only) | 14.1696% | 367 |
| Net charge-offs to loans | -0.1256% | 4,516 |
| Credit loss provision to net charge-offs | -205.4054% | 2,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3901% | 4,576 |
| Assets per employee ($millions) | 14.0094% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1548% | 136 |
| Loan loss allowance to noncurrent loans | 52.2147% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 3.5099% | 47 |
| Noncurrent loans to loans | 6.0420% | 44 |
| Net loans and leases to total assets | 52.7448% | 2,915 |
| Net loans and leases to deposits | 58.7052% | 3,011 |
| Net loans and leases to core deposits | 71.0926% | 2,199 |
| Total domestic deposits to total assets | 89.8469% | 1,661 |
| Equity capital to assets | 8.5620% | 3,110 |
| Core capital (leverage) ratio | 9.0762% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7678% | 1,321 |
| Memoranda: | ||
| Average total assets | $433,363,500 | 1,933 |
| Average earning assets | $424,052,500 | 1,876 |
| Average equity | $37,827,500 | 2,137 |
| Average total loans | $235,632,500 | 2,015 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3448% | 3,066 |
| Cost of funding earning assets | 1.2242% | 29 |
| Net interest margin | 2.1207% | 4,531 |
| Noninterest income to average assets | 0.9300% | 1,137 |
| Noninterest expense to average assets | 1.3654% | 4,643 |
| Loan and lease loss provision to assets | 0.3120% | 259 |
| Net operating income to assets | 1.2630% | 1,710 |
| Return on assets (ROA) | 1.2630% | 1,763 |
| Pretax return on assets | 1.3008% | 2,359 |
| Return on Equity (ROE) | 14.6050% | 1,047 |
| Retained earnings to average equity (ytd only) | 11.8597% | 551 |
| Net charge-offs to loans | 0.2882% | 305 |
| Credit loss provision to net charge-offs | 188.2521% | 1,344 |
| Earnings coverage of net charge-offs (x) | 9.7321% | 2,248 |
| Efficiency ratio | 45.8466% | 4,509 |
| Assets per employee ($millions) | 13.5136% | 272 |
| Cash dividends to net income (ytd only)* | 18.7970% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0826% | 139 |
| Loan loss allowance to noncurrent loans | 44.4199% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 3.7670% | 49 |
| Noncurrent loans to loans | 6.9397% | 36 |
| Net loans and leases to total assets | 52.6092% | 3,000 |
| Net loans and leases to deposits | 58.7471% | 3,191 |
| Net loans and leases to core deposits | 71.3104% | 2,319 |
| Total domestic deposits to total assets | 89.5520% | 1,207 |
| Equity capital to assets | 8.8963% | 3,720 |
| Core capital (leverage) ratio | 8.7935% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4043% | 1,411 |
| Memoranda: | ||
| Average total assets | $421,203,200 | 1,923 |
| Average earning assets | $406,805,200 | 1,882 |
| Average equity | $36,425,800 | 2,227 |
| Average total loans | $242,202,200 | 1,980 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 3,648 |
| Cost of funding earning assets | 1.2698% | 26 |
| Net interest margin | 1.9057% | 4,715 |
| Noninterest income to average assets | 0.7572% | 1,650 |
| Noninterest expense to average assets | 1.3199% | 4,736 |
| Loan and lease loss provision to assets | 0.3229% | 234 |
| Net operating income to assets | 0.9047% | 3,232 |
| Return on assets (ROA) | 0.9047% | 3,308 |
| Pretax return on assets | 0.9480% | 3,591 |
| Return on Equity (ROE) | 10.5396% | 2,539 |
| Retained earnings to average equity (ytd only) | 10.5396% | 1,163 |
| Net charge-offs to loans | 0.3381% | 230 |
| Credit loss provision to net charge-offs | 163.6511% | 1,307 |
| Earnings coverage of net charge-offs (x) | 6.4426% | 2,177 |
| Efficiency ratio | 50.9471% | 4,128 |
| Assets per employee ($millions) | 12.4482% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8935% | 170 |
| Loan loss allowance to noncurrent loans | 37.0235% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 4.3476% | 40 |
| Noncurrent loans to loans | 7.8154% | 30 |
| Net loans and leases to total assets | 54.0192% | 2,969 |
| Net loans and leases to deposits | 60.1539% | 3,214 |
| Net loans and leases to core deposits | 73.0524% | 2,312 |
| Total domestic deposits to total assets | 89.8016% | 861 |
| Equity capital to assets | 8.5339% | 4,190 |
| Core capital (leverage) ratio | 8.5154% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2210% | 1,889 |
| Memoranda: | ||
| Average total assets | $418,395,000 | 1,951 |
| Average earning assets | $402,579,750 | 1,911 |
| Average equity | $35,914,500 | 2,277 |
| Average total loans | $244,068,500 | 1,991 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 3,621 |
| Cost of funding earning assets | 1.3249% | 24 |
| Net interest margin | 1.9011% | 4,752 |
| Noninterest income to average assets | 0.9040% | 1,266 |
| Noninterest expense to average assets | 1.3722% | 4,744 |
| Loan and lease loss provision to assets | 0.3446% | 222 |
| Net operating income to assets | 0.9655% | 3,016 |
| Return on assets (ROA) | 0.9655% | 3,097 |
| Pretax return on assets | 1.0120% | 3,417 |
| Return on Equity (ROE) | 11.2250% | 2,334 |
| Retained earnings to average equity (ytd only) | 11.2250% | 1,072 |
| Net charge-offs to loans | 0.0065% | 1,904 |
| Credit loss provision to net charge-offs | 8,887.5000% | 68 |
| Earnings coverage of net charge-offs (x) | 349.8750% | 334 |
| Efficiency ratio | 50.2842% | 4,215 |
| Assets per employee ($millions) | 12.4703% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9710% | 157 |
| Loan loss allowance to noncurrent loans | 35.3839% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 4.8805% | 36 |
| Noncurrent loans to loans | 8.3965% | 24 |
| Net loans and leases to total assets | 56.3992% | 2,855 |
| Net loans and leases to deposits | 62.9088% | 3,111 |
| Net loans and leases to core deposits | 78.8802% | 1,966 |
| Total domestic deposits to total assets | 89.6524% | 950 |
| Equity capital to assets | 8.5844% | 4,141 |
| Core capital (leverage) ratio | 8.5144% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8753% | 2,015 |
| Memoranda: | ||
| Average total assets | $412,630,667 | 1,961 |
| Average earning assets | $396,093,000 | 1,924 |
| Average equity | $35,492,333 | 2,291 |
| Average total loans | $244,635,333 | 2,003 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 3,428 |
| Cost of funding earning assets | 1.4114% | 22 |
| Net interest margin | 1.8962% | 4,772 |
| Noninterest income to average assets | 0.9869% | 1,153 |
| Noninterest expense to average assets | 1.4026% | 4,744 |
| Loan and lease loss provision to assets | 0.2949% | 321 |
| Net operating income to assets | 1.0507% | 2,632 |
| Return on assets (ROA) | 1.0507% | 2,713 |
| Pretax return on assets | 1.1038% | 3,101 |
| Return on Equity (ROE) | 12.2032% | 1,943 |
| Retained earnings to average equity (ytd only) | 12.2032% | 1,100 |
| Net charge-offs to loans | -0.0049% | 3,386 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0702% | 4,180 |
| Assets per employee ($millions) | 12.2596% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8206% | 177 |
| Loan loss allowance to noncurrent loans | 32.4004% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 5.1261% | 35 |
| Noncurrent loans to loans | 8.7054% | 28 |
| Net loans and leases to total assets | 57.2236% | 2,880 |
| Net loans and leases to deposits | 63.8324% | 3,139 |
| Net loans and leases to core deposits | 81.4806% | 1,878 |
| Total domestic deposits to total assets | 89.6468% | 999 |
| Equity capital to assets | 8.5285% | 4,089 |
| Core capital (leverage) ratio | 8.4440% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7185% | 1,996 |
| Memoranda: | ||
| Average total assets | $406,951,000 | 1,969 |
| Average earning assets | $389,409,000 | 1,940 |
| Average equity | $35,040,000 | 2,301 |
| Average total loans | $243,728,500 | 2,002 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 2,555 |
| Cost of funding earning assets | 1.7736% | 22 |
| Net interest margin | 2.2842% | 4,729 |
| Noninterest income to average assets | 0.3566% | 3,336 |
| Noninterest expense to average assets | 1.5022% | 4,780 |
| Loan and lease loss provision to assets | 0.6504% | 278 |
| Net operating income to assets | 0.3403% | 4,377 |
| Return on assets (ROA) | 0.3386% | 4,441 |
| Pretax return on assets | 0.3550% | 4,477 |
| Return on Equity (ROE) | 3.8899% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.0038% | 3,350 |
| Net charge-offs to loans | 0.6160% | 247 |
| Credit loss provision to net charge-offs | 158.1250% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.4488% | 3,166 |
| Efficiency ratio | 59.8607% | 3,483 |
| Assets per employee ($millions) | 10.7318% | 435 |
| Cash dividends to net income (ytd only)* | 22.7790% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7354% | 200 |
| Loan loss allowance to noncurrent loans | 29.1348% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 7.6809% | 12 |
| Noncurrent loans to loans | 9.3888% | 28 |
| Net loans and leases to total assets | 59.2811% | 2,950 |
| Net loans and leases to deposits | 66.1495% | 3,259 |
| Net loans and leases to core deposits | 85.1244% | 1,943 |
| Total domestic deposits to total assets | 89.6168% | 719 |
| Equity capital to assets | 8.6963% | 4,290 |
| Core capital (leverage) ratio | 8.3459% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9995% | 2,237 |
| Memoranda: | ||
| Average total assets | $388,966,800 | 1,893 |
| Average earning assets | $366,601,200 | 1,884 |
| Average equity | $33,857,200 | 2,297 |
| Average total loans | $259,739,600 | 1,871 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,310 |
| Cost of funding earning assets | 1.8248% | 27 |
| Net interest margin | 2.4045% | 4,717 |
| Noninterest income to average assets | 0.3466% | 3,392 |
| Noninterest expense to average assets | 1.4796% | 4,822 |
| Loan and lease loss provision to assets | 0.7681% | 253 |
| Net operating income to assets | 0.3496% | 4,356 |
| Return on assets (ROA) | 0.3473% | 4,420 |
| Pretax return on assets | 0.3608% | 4,475 |
| Return on Equity (ROE) | 3.9894% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.9894% | 3,051 |
| Net charge-offs to loans | 0.7672% | 179 |
| Credit loss provision to net charge-offs | 146.6447% | 2,344 |
| Earnings coverage of net charge-offs (x) | 2.1599% | 3,011 |
| Efficiency ratio | 56.6715% | 3,837 |
| Assets per employee ($millions) | 10.7511% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4673% | 240 |
| Loan loss allowance to noncurrent loans | 27.2209% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 7.9554% | 23 |
| Noncurrent loans to loans | 9.0642% | 33 |
| Net loans and leases to total assets | 63.5782% | 2,815 |
| Net loans and leases to deposits | 70.9902% | 3,216 |
| Net loans and leases to core deposits | 94.4811% | 1,594 |
| Total domestic deposits to total assets | 89.5591% | 567 |
| Equity capital to assets | 8.6839% | 4,343 |
| Core capital (leverage) ratio | 8.5220% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4550% | 2,436 |
| Memoranda: | ||
| Average total assets | $386,939,500 | 1,887 |
| Average earning assets | $364,368,750 | 1,866 |
| Average equity | $33,688,750 | 2,293 |
| Average total loans | $264,171,750 | 1,844 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 2,240 |
| Cost of funding earning assets | 1.8785% | 33 |
| Net interest margin | 2.5113% | 4,731 |
| Noninterest income to average assets | 0.4106% | 3,016 |
| Noninterest expense to average assets | 1.6053% | 4,773 |
| Loan and lease loss provision to assets | 0.8754% | 258 |
| Net operating income to assets | 0.2779% | 4,457 |
| Return on assets (ROA) | 0.2744% | 4,503 |
| Pretax return on assets | 0.2885% | 4,552 |
| Return on Equity (ROE) | 3.1470% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.1470% | 3,327 |
| Net charge-offs to loans | 0.4342% | 368 |
| Credit loss provision to net charge-offs | 290.8146% | 1,647 |
| Earnings coverage of net charge-offs (x) | 3.8787% | 2,646 |
| Efficiency ratio | 57.8928% | 3,705 |
| Assets per employee ($millions) | 10.4032% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5781% | 199 |
| Loan loss allowance to noncurrent loans | 28.9065% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 8.2011% | 26 |
| Noncurrent loans to loans | 8.9187% | 34 |
| Net loans and leases to total assets | 64.9145% | 2,767 |
| Net loans and leases to deposits | 73.3011% | 3,139 |
| Net loans and leases to core deposits | 99.0666% | 1,324 |
| Total domestic deposits to total assets | 88.5587% | 917 |
| Equity capital to assets | 8.6236% | 4,409 |
| Core capital (leverage) ratio | 8.5797% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0937% | 2,570 |
| Memoranda: | ||
| Average total assets | $383,347,000 | 1,877 |
| Average earning assets | $360,607,333 | 1,854 |
| Average equity | $33,428,667 | 2,295 |
| Average total loans | $265,793,333 | 1,813 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,885 |
| Cost of funding earning assets | 1.9134% | 50 |
| Net interest margin | 2.7252% | 4,646 |
| Noninterest income to average assets | 0.2841% | 3,822 |
| Noninterest expense to average assets | 1.7384% | 4,737 |
| Loan and lease loss provision to assets | 0.8766% | 267 |
| Net operating income to assets | 0.2194% | 4,498 |
| Return on assets (ROA) | 0.2194% | 4,511 |
| Pretax return on assets | 0.2311% | 4,536 |
| Return on Equity (ROE) | 2.5017% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.5017% | 3,263 |
| Net charge-offs to loans | -0.0135% | 4,184 |
| Credit loss provision to net charge-offs | -9,188.8889% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0801% | 3,605 |
| Assets per employee ($millions) | 11.1266% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4274% | 277 |
| Loan loss allowance to noncurrent loans | 23.9274% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 9.4717% | 21 |
| Noncurrent loans to loans | 10.1447% | 27 |
| Net loans and leases to total assets | 69.3316% | 2,353 |
| Net loans and leases to deposits | 78.1734% | 2,866 |
| Net loans and leases to core deposits | 103.2830% | 1,228 |
| Total domestic deposits to total assets | 88.6895% | 806 |
| Equity capital to assets | 8.7141% | 4,730 |
| Core capital (leverage) ratio | 8.7280% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4208% | 2,960 |
| Memoranda: | ||
| Average total assets | $377,359,000 | 1,862 |
| Average earning assets | $354,759,000 | 1,836 |
| Average equity | $33,097,500 | 2,297 |
| Average total loans | $266,983,500 | 1,772 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 2,057 |
| Cost of funding earning assets | 1.8918% | 96 |
| Net interest margin | 2.9023% | 4,655 |
| Noninterest income to average assets | 0.2054% | 4,433 |
| Noninterest expense to average assets | 1.3232% | 5,066 |
| Loan and lease loss provision to assets | 1.1194% | 80 |
| Net operating income to assets | 0.4742% | 4,462 |
| Return on assets (ROA) | 0.4735% | 4,502 |
| Pretax return on assets | 0.4981% | 4,585 |
| Return on Equity (ROE) | 5.4271% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.8923% | 3,022 |
| Net charge-offs to loans | 1.1792% | 132 |
| Credit loss provision to net charge-offs | 131.9444% | 1,933 |
| Earnings coverage of net charge-offs (x) | 1.9075% | 3,478 |
| Efficiency ratio | 44.9836% | 4,945 |
| Assets per employee ($millions) | 10.4559% | 327 |
| Cash dividends to net income (ytd only)* | 28.2805% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1459% | 364 |
| Loan loss allowance to noncurrent loans | 25.4029% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 8.2253% | 24 |
| Noncurrent loans to loans | 8.4474% | 34 |
| Net loans and leases to total assets | 68.9315% | 2,548 |
| Net loans and leases to deposits | 77.7807% | 3,033 |
| Net loans and leases to core deposits | 101.1958% | 1,469 |
| Total domestic deposits to total assets | 88.6229% | 828 |
| Equity capital to assets | 8.8278% | 4,774 |
| Core capital (leverage) ratio | 8.5899% | 4,791 |
| Tier 1 risk-based capital ratio | 11.2005% | 4,773 |
| Total risk-based capital ratio | 12.4591% | 4,667 |
| Memoranda: | ||
| Average total assets | $373,413,200 | 1,830 |
| Average earning assets | $352,036,800 | 1,809 |
| Average equity | $32,577,000 | 2,268 |
| Average total loans | $268,661,200 | 1,740 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 1,908 |
| Cost of funding earning assets | 1.8708% | 111 |
| Net interest margin | 3.0011% | 4,621 |
| Noninterest income to average assets | 0.2823% | 4,055 |
| Noninterest expense to average assets | 1.4358% | 5,097 |
| Loan and lease loss provision to assets | 1.2000% | 74 |
| Net operating income to assets | 0.4536% | 4,621 |
| Return on assets (ROA) | 0.4526% | 4,655 |
| Pretax return on assets | 0.4773% | 4,728 |
| Return on Equity (ROE) | 5.2034% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.2034% | 2,794 |
| Net charge-offs to loans | 1.2332% | 117 |
| Credit loss provision to net charge-offs | 134.5367% | 1,775 |
| Earnings coverage of net charge-offs (x) | 1.8817% | 3,245 |
| Efficiency ratio | 46.1052% | 4,934 |
| Assets per employee ($millions) | 10.2882% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 390 |
| Loan loss allowance to noncurrent loans | 31.7364% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 6.9284% | 36 |
| Noncurrent loans to loans | 6.6326% | 56 |
| Net loans and leases to total assets | 67.6597% | 2,842 |
| Net loans and leases to deposits | 78.9935% | 3,012 |
| Net loans and leases to core deposits | 100.7373% | 1,605 |
| Total domestic deposits to total assets | 85.6522% | 2,139 |
| Equity capital to assets | 8.7261% | 4,911 |
| Core capital (leverage) ratio | 8.5918% | 4,894 |
| Tier 1 risk-based capital ratio | 11.1413% | 4,846 |
| Total risk-based capital ratio | 12.3992% | 4,730 |
| Memoranda: | ||
| Average total assets | $372,663,250 | 1,854 |
| Average earning assets | $351,640,500 | 1,824 |
| Average equity | $32,414,000 | 2,289 |
| Average total loans | $269,537,250 | 1,746 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 1,861 |
| Cost of funding earning assets | 1.8304% | 112 |
| Net interest margin | 3.0351% | 4,627 |
| Noninterest income to average assets | 0.3205% | 3,786 |
| Noninterest expense to average assets | 1.3935% | 5,168 |
| Loan and lease loss provision to assets | 1.2849% | 69 |
| Net operating income to assets | 0.4880% | 4,554 |
| Return on assets (ROA) | 0.4865% | 4,594 |
| Pretax return on assets | 0.5114% | 4,685 |
| Return on Equity (ROE) | 5.5994% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.5994% | 2,475 |
| Net charge-offs to loans | 1.0858% | 125 |
| Credit loss provision to net charge-offs | 161.1525% | 1,416 |
| Earnings coverage of net charge-offs (x) | 2.2549% | 2,956 |
| Efficiency ratio | 43.6653% | 5,076 |
| Assets per employee ($millions) | 10.4725% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 431 |
| Loan loss allowance to noncurrent loans | 37.3411% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 6.1232% | 51 |
| Noncurrent loans to loans | 5.4846% | 86 |
| Net loans and leases to total assets | 70.8015% | 2,424 |
| Net loans and leases to deposits | 83.6280% | 2,532 |
| Net loans and leases to core deposits | 104.7565% | 1,319 |
| Total domestic deposits to total assets | 84.6624% | 2,615 |
| Equity capital to assets | 8.7038% | 4,951 |
| Core capital (leverage) ratio | 8.7303% | 4,819 |
| Tier 1 risk-based capital ratio | 10.5261% | 5,096 |
| Total risk-based capital ratio | 11.7830% | 5,009 |
| Memoranda: | ||
| Average total assets | $369,996,330 | 1,870 |
| Average earning assets | $349,976,330 | 1,832 |
| Average equity | $32,146,330 | 2,291 |
| Average total loans | $271,685,000 | 1,747 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 1,273 |
| Cost of funding earning assets | 1.7803% | 109 |
| Net interest margin | 3.2457% | 4,292 |
| Noninterest income to average assets | 0.1408% | 4,887 |
| Noninterest expense to average assets | 1.4232% | 5,208 |
| Loan and lease loss provision to assets | 1.0652% | 80 |
| Net operating income to assets | 0.6984% | 3,938 |
| Return on assets (ROA) | 0.6952% | 3,992 |
| Pretax return on assets | 0.7313% | 4,222 |
| Return on Equity (ROE) | 8.0094% | 3,258 |
| Retained earnings to average equity (ytd only) | 8.0094% | 1,655 |
| Net charge-offs to loans | 1.1383% | 113 |
| Credit loss provision to net charge-offs | 126.4249% | 1,374 |
| Earnings coverage of net charge-offs (x) | 2.1360% | 2,525 |
| Efficiency ratio | 44.1585% | 5,093 |
| Assets per employee ($millions) | 10.4683% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7896% | 719 |
| Loan loss allowance to noncurrent loans | 25.8471% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 6.0488% | 46 |
| Noncurrent loans to loans | 6.9237% | 55 |
| Net loans and leases to total assets | 73.1245% | 1,957 |
| Net loans and leases to deposits | 87.4424% | 1,945 |
| Net loans and leases to core deposits | 108.9863% | 985 |
| Total domestic deposits to total assets | 83.6259% | 3,174 |
| Equity capital to assets | 8.8147% | 4,810 |
| Core capital (leverage) ratio | 8.8031% | 4,791 |
| Tier 1 risk-based capital ratio | 10.5842% | 5,154 |
| Total risk-based capital ratio | 11.8387% | 5,050 |
| Memoranda: | ||
| Average total assets | $366,490,000 | 1,895 |
| Average earning assets | $348,026,500 | 1,858 |
| Average equity | $31,812,500 | 2,308 |
| Average total loans | $271,273,000 | 1,756 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 1,231 |
| Cost of funding earning assets | 1.6178% | 54 |
| Net interest margin | 3.3023% | 4,253 |
| Noninterest income to average assets | 0.2683% | 4,311 |
| Noninterest expense to average assets | 1.3916% | 5,265 |
| Loan and lease loss provision to assets | 1.2566% | 58 |
| Net operating income to assets | 0.7260% | 4,053 |
| Return on assets (ROA) | 0.7260% | 4,059 |
| Pretax return on assets | 0.7688% | 4,248 |
| Return on Equity (ROE) | 8.5312% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.3398% | 3,154 |
| Net charge-offs to loans | 1.5757% | 74 |
| Credit loss provision to net charge-offs | 104.5662% | 2,435 |
| Earnings coverage of net charge-offs (x) | 1.6854% | 3,602 |
| Efficiency ratio | 40.7259% | 5,272 |
| Assets per employee ($millions) | 9.6471% | 376 |
| Cash dividends to net income (ytd only)* | 49.1308% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 781 |
| Loan loss allowance to noncurrent loans | 39.9522% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 4.0871% | 108 |
| Noncurrent loans to loans | 4.3408% | 153 |
| Net loans and leases to total assets | 72.3056% | 2,208 |
| Net loans and leases to deposits | 86.3553% | 2,229 |
| Net loans and leases to core deposits | 111.1532% | 931 |
| Total domestic deposits to total assets | 83.7304% | 3,071 |
| Equity capital to assets | 8.5460% | 4,903 |
| Core capital (leverage) ratio | 8.6742% | 4,901 |
| Tier 1 risk-based capital ratio | 10.4500% | 5,200 |
| Total risk-based capital ratio | 11.7036% | 5,099 |
| Memoranda: | ||
| Average total assets | $364,474,000 | 1,858 |
| Average earning assets | $347,517,000 | 1,823 |
| Average equity | $31,015,600 | 2,285 |
| Average total loans | $277,980,400 | 1,682 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 966 |
| Cost of funding earning assets | 1.5750% | 53 |
| Net interest margin | 3.4106% | 3,974 |
| Noninterest income to average assets | 0.2370% | 4,552 |
| Noninterest expense to average assets | 1.4299% | 5,313 |
| Loan and lease loss provision to assets | 1.2196% | 65 |
| Net operating income to assets | 0.8005% | 3,897 |
| Return on assets (ROA) | 0.8005% | 3,903 |
| Pretax return on assets | 0.8426% | 4,187 |
| Return on Equity (ROE) | 9.4167% | 2,895 |
| Retained earnings to average equity (ytd only) | 9.4167% | 1,070 |
| Net charge-offs to loans | 1.8583% | 53 |
| Credit loss provision to net charge-offs | 85.2934% | 2,466 |
| Earnings coverage of net charge-offs (x) | 1.4422% | 3,346 |
| Efficiency ratio | 40.9463% | 5,308 |
| Assets per employee ($millions) | 9.1339% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,676 |
| Loan loss allowance to noncurrent loans | 23.2880% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 5.3854% | 75 |
| Noncurrent loans to loans | 6.0333% | 79 |
| Net loans and leases to total assets | 74.9820% | 1,813 |
| Net loans and leases to deposits | 91.8260% | 1,647 |
| Net loans and leases to core deposits | 121.9304% | 517 |
| Total domestic deposits to total assets | 81.6566% | 3,701 |
| Equity capital to assets | 8.7271% | 4,777 |
| Core capital (leverage) ratio | 8.9414% | 4,758 |
| Tier 1 risk-based capital ratio | 10.1629% | 5,340 |
| Total risk-based capital ratio | 11.3879% | 5,282 |
| Memoranda: | ||
| Average total assets | $363,944,750 | 1,869 |
| Average earning assets | $347,334,750 | 1,825 |
| Average equity | $30,937,250 | 2,284 |
| Average total loans | $280,039,500 | 1,687 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 896 |
| Cost of funding earning assets | 1.5156% | 50 |
| Net interest margin | 3.4450% | 3,821 |
| Noninterest income to average assets | 0.2465% | 4,530 |
| Noninterest expense to average assets | 1.5500% | 5,304 |
| Loan and lease loss provision to assets | 1.1704% | 62 |
| Net operating income to assets | 0.7747% | 3,937 |
| Return on assets (ROA) | 0.7747% | 3,942 |
| Pretax return on assets | 0.8193% | 4,195 |
| Return on Equity (ROE) | 9.1962% | 2,933 |
| Retained earnings to average equity (ytd only) | 9.1962% | 1,154 |
| Net charge-offs to loans | 1.2459% | 101 |
| Credit loss provision to net charge-offs | 121.6123% | 1,786 |
| Earnings coverage of net charge-offs (x) | 2.0675% | 3,001 |
| Efficiency ratio | 43.7898% | 5,290 |
| Assets per employee ($millions) | 9.8278% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 836 |
| Loan loss allowance to noncurrent loans | 46.8596% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 3.6512% | 171 |
| Noncurrent loans to loans | 3.7126% | 254 |
| Net loans and leases to total assets | 75.4423% | 1,726 |
| Net loans and leases to deposits | 93.3038% | 1,438 |
| Net loans and leases to core deposits | 119.8764% | 567 |
| Total domestic deposits to total assets | 80.8566% | 4,038 |
| Equity capital to assets | 8.6022% | 4,873 |
| Core capital (leverage) ratio | 8.6756% | 4,974 |
| Tier 1 risk-based capital ratio | 10.6020% | 5,229 |
| Total risk-based capital ratio | 11.8567% | 5,128 |
| Memoranda: | ||
| Average total assets | $363,474,000 | 1,873 |
| Average earning assets | $347,460,330 | 1,830 |
| Average equity | $30,621,330 | 2,315 |
| Average total loans | $280,767,330 | 1,687 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 856 |
| Cost of funding earning assets | 1.4645% | 49 |
| Net interest margin | 3.4443% | 3,726 |
| Noninterest income to average assets | 0.1915% | 4,876 |
| Noninterest expense to average assets | 1.3594% | 5,469 |
| Loan and lease loss provision to assets | 1.1569% | 70 |
| Net operating income to assets | 0.9323% | 3,148 |
| Return on assets (ROA) | 0.9323% | 3,170 |
| Pretax return on assets | 0.9785% | 3,606 |
| Return on Equity (ROE) | 11.1845% | 1,890 |
| Retained earnings to average equity (ytd only) | 11.1845% | 848 |
| Net charge-offs to loans | 1.5812% | 87 |
| Credit loss provision to net charge-offs | 94.4295% | 1,639 |
| Earnings coverage of net charge-offs (x) | 1.7430% | 2,526 |
| Efficiency ratio | 38.8976% | 5,480 |
| Assets per employee ($millions) | 10.3341% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,235 |
| Loan loss allowance to noncurrent loans | 48.6936% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.5079% | 371 |
| Noncurrent loans to loans | 3.2177% | 350 |
| Net loans and leases to total assets | 76.7204% | 1,422 |
| Net loans and leases to deposits | 93.2884% | 1,304 |
| Net loans and leases to core deposits | 117.4598% | 670 |
| Total domestic deposits to total assets | 82.2400% | 3,887 |
| Equity capital to assets | 8.4696% | 4,998 |
| Core capital (leverage) ratio | 8.5828% | 5,079 |
| Tier 1 risk-based capital ratio | 10.2887% | 5,417 |
| Total risk-based capital ratio | 11.5412% | 5,340 |
| Memoranda: | ||
| Average total assets | $363,396,500 | 1,883 |
| Average earning assets | $348,516,000 | 1,838 |
| Average equity | $30,292,000 | 2,348 |
| Average total loans | $281,557,500 | 1,690 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,329 |
| Cost of funding earning assets | 1.3680% | 36 |
| Net interest margin | 3.2746% | 4,235 |
| Noninterest income to average assets | 0.2157% | 4,861 |
| Noninterest expense to average assets | 1.3778% | 5,531 |
| Loan and lease loss provision to assets | 0.9078% | 119 |
| Net operating income to assets | 1.0130% | 2,181 |
| Return on assets (ROA) | 1.0144% | 2,216 |
| Pretax return on assets | 1.0699% | 3,306 |
| Return on Equity (ROE) | 12.1521% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.4406% | 1,308 |
| Net charge-offs to loans | 0.8914% | 221 |
| Credit loss provision to net charge-offs | 134.2040% | 1,973 |
| Earnings coverage of net charge-offs (x) | 2.9216% | 3,674 |
| Efficiency ratio | 41.0786% | 5,507 |
| Assets per employee ($millions) | 9.6079% | 364 |
| Cash dividends to net income (ytd only)* | 47.0003% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,158 |
| Loan loss allowance to noncurrent loans | 63.1950% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.9408% | 595 |
| Noncurrent loans to loans | 2.5199% | 529 |
| Net loans and leases to total assets | 75.7951% | 1,638 |
| Net loans and leases to deposits | 91.6894% | 1,571 |
| Net loans and leases to core deposits | 113.8775% | 804 |
| Total domestic deposits to total assets | 82.6650% | 3,669 |
| Equity capital to assets | 8.2033% | 5,298 |
| Core capital (leverage) ratio | 8.3233% | 5,268 |
| Tier 1 risk-based capital ratio | 9.9286% | 5,549 |
| Total risk-based capital ratio | 11.1814% | 5,503 |
| Memoranda: | ||
| Average total assets | $356,582,800 | 1,885 |
| Average earning assets | $341,751,600 | 1,830 |
| Average equity | $29,764,400 | 2,373 |
| Average total loans | $270,593,600 | 1,709 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,311 |
| Cost of funding earning assets | 1.3470% | 35 |
| Net interest margin | 3.2764% | 4,238 |
| Noninterest income to average assets | 0.2227% | 4,884 |
| Noninterest expense to average assets | 1.3843% | 5,580 |
| Loan and lease loss provision to assets | 0.8531% | 125 |
| Net operating income to assets | 1.0684% | 2,238 |
| Return on assets (ROA) | 1.0702% | 2,276 |
| Pretax return on assets | 1.1273% | 3,198 |
| Return on Equity (ROE) | 12.7641% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.7641% | 238 |
| Net charge-offs to loans | 0.5892% | 333 |
| Credit loss provision to net charge-offs | 191.5541% | 1,388 |
| Earnings coverage of net charge-offs (x) | 4.4426% | 3,226 |
| Efficiency ratio | 41.1633% | 5,550 |
| Assets per employee ($millions) | 9.1194% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 1,003 |
| Loan loss allowance to noncurrent loans | 86.8855% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.8938% | 711 |
| Noncurrent loans to loans | 1.9730% | 867 |
| Net loans and leases to total assets | 74.4555% | 1,848 |
| Net loans and leases to deposits | 95.3939% | 1,166 |
| Net loans and leases to core deposits | 116.5704% | 731 |
| Total domestic deposits to total assets | 78.0506% | 4,714 |
| Equity capital to assets | 8.5900% | 5,230 |
| Core capital (leverage) ratio | 8.6607% | 5,101 |
| Tier 1 risk-based capital ratio | 10.4572% | 5,464 |
| Total risk-based capital ratio | 11.7115% | 5,400 |
| Memoranda: | ||
| Average total assets | $354,453,750 | 1,901 |
| Average earning assets | $339,718,750 | 1,856 |
| Average equity | $29,718,000 | 2,390 |
| Average total loans | $267,940,750 | 1,728 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,290 |
| Cost of funding earning assets | 1.3220% | 35 |
| Net interest margin | 3.2607% | 4,237 |
| Noninterest income to average assets | 0.2456% | 4,771 |
| Noninterest expense to average assets | 1.3578% | 5,644 |
| Loan and lease loss provision to assets | 0.8347% | 122 |
| Net operating income to assets | 1.1272% | 1,865 |
| Return on assets (ROA) | 1.1299% | 1,906 |
| Pretax return on assets | 1.1857% | 2,823 |
| Return on Equity (ROE) | 13.5918% | 892 |
| Retained earnings to average equity (ytd only) | 13.5918% | 215 |
| Net charge-offs to loans | 0.6366% | 309 |
| Credit loss provision to net charge-offs | 173.5782% | 1,386 |
| Earnings coverage of net charge-offs (x) | 4.1955% | 2,966 |
| Efficiency ratio | 40.2262% | 5,625 |
| Assets per employee ($millions) | 9.4472% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,305 |
| Loan loss allowance to noncurrent loans | 71.7957% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6956% | 850 |
| Noncurrent loans to loans | 2.2052% | 730 |
| Net loans and leases to total assets | 74.0066% | 1,865 |
| Net loans and leases to deposits | 92.0952% | 1,479 |
| Net loans and leases to core deposits | 108.5374% | 1,078 |
| Total domestic deposits to total assets | 80.3588% | 4,333 |
| Equity capital to assets | 8.4851% | 5,314 |
| Core capital (leverage) ratio | 8.5389% | 5,187 |
| Tier 1 risk-based capital ratio | 10.3206% | 5,534 |
| Total risk-based capital ratio | 11.5733% | 5,462 |
| Memoranda: | ||
| Average total assets | $351,013,330 | 1,920 |
| Average earning assets | $336,925,670 | 1,872 |
| Average equity | $29,179,330 | 2,425 |
| Average total loans | $265,143,670 | 1,742 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,257 |
| Cost of funding earning assets | 1.2908% | 36 |
| Net interest margin | 3.2600% | 4,135 |
| Noninterest income to average assets | 0.2547% | 4,719 |
| Noninterest expense to average assets | 1.3509% | 5,719 |
| Loan and lease loss provision to assets | 0.8656% | 108 |
| Net operating income to assets | 1.1080% | 1,834 |
| Return on assets (ROA) | 1.1135% | 1,856 |
| Pretax return on assets | 1.1734% | 2,696 |
| Return on Equity (ROE) | 13.5396% | 895 |
| Retained earnings to average equity (ytd only) | 13.5396% | 331 |
| Net charge-offs to loans | 0.7993% | 209 |
| Credit loss provision to net charge-offs | 143.0476% | 1,244 |
| Earnings coverage of net charge-offs (x) | 3.3600% | 2,493 |
| Efficiency ratio | 39.9183% | 5,699 |
| Assets per employee ($millions) | 9.4553% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,834 |
| Loan loss allowance to noncurrent loans | 76.6950% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 1,092 |
| Noncurrent loans to loans | 1.9024% | 950 |
| Net loans and leases to total assets | 74.9047% | 1,597 |
| Net loans and leases to deposits | 92.4381% | 1,278 |
| Net loans and leases to core deposits | 107.2814% | 1,021 |
| Total domestic deposits to total assets | 81.0322% | 4,408 |
| Equity capital to assets | 8.3425% | 5,333 |
| Core capital (leverage) ratio | 8.5090% | 5,223 |
| Tier 1 risk-based capital ratio | 10.0418% | 5,687 |
| Total risk-based capital ratio | 11.2927% | 5,650 |
| Memoranda: | ||
| Average total assets | $347,022,500 | 1,951 |
| Average earning assets | $333,133,500 | 1,893 |
| Average equity | $28,538,500 | 2,475 |
| Average total loans | $262,738,500 | 1,763 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 1,320 |
| Cost of funding earning assets | 1.2818% | 36 |
| Net interest margin | 3.3034% | 4,138 |
| Noninterest income to average assets | 0.2516% | 4,918 |
| Noninterest expense to average assets | 1.4242% | 5,763 |
| Loan and lease loss provision to assets | 0.8857% | 124 |
| Net operating income to assets | 1.0564% | 2,109 |
| Return on assets (ROA) | 1.0564% | 2,211 |
| Pretax return on assets | 1.1137% | 3,052 |
| Return on Equity (ROE) | 12.6035% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.5493% | 1,430 |
| Net charge-offs to loans | 1.1162% | 162 |
| Credit loss provision to net charge-offs | 102.9493% | 2,513 |
| Earnings coverage of net charge-offs (x) | 2.3241% | 3,847 |
| Efficiency ratio | 41.5991% | 5,757 |
| Assets per employee ($millions) | 9.3027% | 389 |
| Cash dividends to net income (ytd only)* | 48.0362% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 2,047 |
| Loan loss allowance to noncurrent loans | 76.4386% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 1,201 |
| Noncurrent loans to loans | 1.8413% | 1,025 |
| Net loans and leases to total assets | 74.3445% | 1,788 |
| Net loans and leases to deposits | 89.8668% | 1,699 |
| Net loans and leases to core deposits | 105.9612% | 1,134 |
| Total domestic deposits to total assets | 82.7274% | 3,849 |
| Equity capital to assets | 8.1032% | 5,517 |
| Core capital (leverage) ratio | 8.2622% | 5,461 |
| Tier 1 risk-based capital ratio | 9.9045% | 5,760 |
| Total risk-based capital ratio | 11.1549% | 5,726 |
| Memoranda: | ||
| Average total assets | $334,996,200 | 1,977 |
| Average earning assets | $321,669,000 | 1,910 |
| Average equity | $28,079,400 | 2,507 |
| Average total loans | $258,192,000 | 1,747 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 1,213 |
| Cost of funding earning assets | 1.2819% | 37 |
| Net interest margin | 3.3579% | 4,007 |
| Noninterest income to average assets | 0.2064% | 5,232 |
| Noninterest expense to average assets | 1.4443% | 5,798 |
| Loan and lease loss provision to assets | 0.8588% | 123 |
| Net operating income to assets | 1.0716% | 2,110 |
| Return on assets (ROA) | 1.0716% | 2,223 |
| Pretax return on assets | 1.1281% | 3,122 |
| Return on Equity (ROE) | 12.6757% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.6757% | 238 |
| Net charge-offs to loans | 0.8790% | 207 |
| Credit loss provision to net charge-offs | 126.0588% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.9165% | 3,498 |
| Efficiency ratio | 42.0930% | 5,783 |
| Assets per employee ($millions) | 8.5035% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,682 |
| Loan loss allowance to noncurrent loans | 73.9491% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 1,095 |
| Noncurrent loans to loans | 2.0595% | 942 |
| Net loans and leases to total assets | 76.2502% | 1,487 |
| Net loans and leases to deposits | 92.4591% | 1,434 |
| Net loans and leases to core deposits | 108.2911% | 1,031 |
| Total domestic deposits to total assets | 82.4692% | 3,791 |
| Equity capital to assets | 8.6362% | 5,443 |
| Core capital (leverage) ratio | 8.6300% | 5,232 |
| Tier 1 risk-based capital ratio | 10.2718% | 5,710 |
| Total risk-based capital ratio | 11.5240% | 5,642 |
| Memoranda: | ||
| Average total assets | $332,695,500 | 1,992 |
| Average earning assets | $319,520,750 | 1,926 |
| Average equity | $28,126,500 | 2,523 |
| Average total loans | $257,853,500 | 1,749 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,310 |
| Cost of funding earning assets | 1.2559% | 42 |
| Net interest margin | 3.3225% | 4,152 |
| Noninterest income to average assets | 0.2114% | 5,229 |
| Noninterest expense to average assets | 1.4524% | 5,872 |
| Loan and lease loss provision to assets | 0.8401% | 123 |
| Net operating income to assets | 1.0533% | 2,157 |
| Return on assets (ROA) | 1.0533% | 2,280 |
| Pretax return on assets | 1.1108% | 3,160 |
| Return on Equity (ROE) | 12.5513% | 1,152 |
| Retained earnings to average equity (ytd only) | 12.5513% | 269 |
| Net charge-offs to loans | 0.9179% | 205 |
| Credit loss provision to net charge-offs | 118.0426% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.7413% | 3,216 |
| Efficiency ratio | 42.6766% | 5,852 |
| Assets per employee ($millions) | 9.0903% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 2,086 |
| Loan loss allowance to noncurrent loans | 81.4831% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 1,428 |
| Noncurrent loans to loans | 1.7732% | 1,177 |
| Net loans and leases to total assets | 76.6609% | 1,391 |
| Net loans and leases to deposits | 93.7209% | 1,314 |
| Net loans and leases to core deposits | 110.0178% | 932 |
| Total domestic deposits to total assets | 81.7970% | 4,056 |
| Equity capital to assets | 8.5345% | 5,577 |
| Core capital (leverage) ratio | 8.4067% | 5,441 |
| Tier 1 risk-based capital ratio | 9.9791% | 5,863 |
| Total risk-based capital ratio | 11.2304% | 5,807 |
| Memoranda: | ||
| Average total assets | $330,214,670 | 2,018 |
| Average earning assets | $317,228,670 | 1,947 |
| Average equity | $27,710,330 | 2,553 |
| Average total loans | $256,015,670 | 1,760 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,165 |
| Cost of funding earning assets | 1.2401% | 45 |
| Net interest margin | 3.3985% | 3,872 |
| Noninterest income to average assets | 0.2372% | 5,044 |
| Noninterest expense to average assets | 1.4611% | 5,928 |
| Loan and lease loss provision to assets | 0.6798% | 156 |
| Net operating income to assets | 1.2960% | 1,268 |
| Return on assets (ROA) | 1.2960% | 1,348 |
| Pretax return on assets | 1.3633% | 2,030 |
| Return on Equity (ROE) | 15.5808% | 590 |
| Retained earnings to average equity (ytd only) | 15.5808% | 212 |
| Net charge-offs to loans | 0.9557% | 200 |
| Credit loss provision to net charge-offs | 91.9008% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.7620% | 2,639 |
| Efficiency ratio | 41.6957% | 5,930 |
| Assets per employee ($millions) | 9.4541% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,591 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,994 |
| Noncurrent loans to loans | 0.8822% | 2,636 |
| Net loans and leases to total assets | 76.9401% | 1,258 |
| Net loans and leases to deposits | 91.9589% | 1,348 |
| Net loans and leases to core deposits | 106.5703% | 1,044 |
| Total domestic deposits to total assets | 83.6679% | 3,650 |
| Equity capital to assets | 8.3936% | 5,641 |
| Core capital (leverage) ratio | 8.3881% | 5,487 |
| Tier 1 risk-based capital ratio | 9.7373% | 5,965 |
| Total risk-based capital ratio | 10.9830% | 5,937 |
| Memoranda: | ||
| Average total assets | $327,151,500 | 2,043 |
| Average earning assets | $314,488,000 | 1,975 |
| Average equity | $27,213,000 | 2,584 |
| Average total loans | $253,212,500 | 1,775 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,715 |
| Cost of funding earning assets | 1.1839% | 61 |
| Net interest margin | 3.2771% | 4,383 |
| Noninterest income to average assets | 0.2677% | 4,955 |
| Noninterest expense to average assets | 1.5141% | 5,975 |
| Loan and lease loss provision to assets | 0.4877% | 234 |
| Net operating income to assets | 1.3415% | 1,172 |
| Return on assets (ROA) | 1.3415% | 1,208 |
| Pretax return on assets | 1.4128% | 1,845 |
| Return on Equity (ROE) | 16.1874% | 538 |
| Retained earnings to average equity (ytd only) | 8.8889% | 679 |
| Net charge-offs to loans | 0.2552% | 1,182 |
| Credit loss provision to net charge-offs | 251.9737% | 1,146 |
| Earnings coverage of net charge-offs (x) | 9.8191% | 2,774 |
| Efficiency ratio | 44.3409% | 5,971 |
| Assets per employee ($millions) | 9.2402% | 355 |
| Cash dividends to net income (ytd only)* | 45.0878% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 2,263 |
| Loan loss allowance to noncurrent loans | 191.1087% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 3,360 |
| Noncurrent loans to loans | 0.7519% | 2,925 |
| Net loans and leases to total assets | 75.6775% | 1,467 |
| Net loans and leases to deposits | 90.1240% | 1,596 |
| Net loans and leases to core deposits | 101.8324% | 1,376 |
| Total domestic deposits to total assets | 83.9704% | 3,494 |
| Equity capital to assets | 8.2410% | 5,741 |
| Core capital (leverage) ratio | 8.2076% | 5,693 |
| Tier 1 risk-based capital ratio | 9.6530% | 6,025 |
| Total risk-based capital ratio | 10.9035% | 6,007 |
| Memoranda: | ||
| Average total assets | $314,120,800 | 2,071 |
| Average earning assets | $301,635,600 | 2,009 |
| Average equity | $26,032,600 | 2,618 |
| Average total loans | $238,207,000 | 1,813 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 1,770 |
| Cost of funding earning assets | 1.1635% | 68 |
| Net interest margin | 3.2815% | 4,425 |
| Noninterest income to average assets | 0.2074% | 5,406 |
| Noninterest expense to average assets | 1.4706% | 6,061 |
| Loan and lease loss provision to assets | 0.4499% | 242 |
| Net operating income to assets | 1.3679% | 1,187 |
| Return on assets (ROA) | 1.3679% | 1,237 |
| Pretax return on assets | 1.4385% | 1,869 |
| Return on Equity (ROE) | 16.4822% | 533 |
| Retained earnings to average equity (ytd only) | 16.4822% | 121 |
| Net charge-offs to loans | 0.1595% | 1,548 |
| Credit loss provision to net charge-offs | 373.0496% | 803 |
| Earnings coverage of net charge-offs (x) | 15.6596% | 2,166 |
| Efficiency ratio | 43.7810% | 6,046 |
| Assets per employee ($millions) | 8.9204% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 2,582 |
| Loan loss allowance to noncurrent loans | 177.7199% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 3,480 |
| Noncurrent loans to loans | 0.7893% | 2,989 |
| Net loans and leases to total assets | 74.7278% | 1,603 |
| Net loans and leases to deposits | 88.8221% | 1,791 |
| Net loans and leases to core deposits | 95.3209% | 1,944 |
| Total domestic deposits to total assets | 84.1319% | 3,367 |
| Equity capital to assets | 8.5578% | 5,671 |
| Core capital (leverage) ratio | 8.7702% | 5,274 |
| Tier 1 risk-based capital ratio | 10.1816% | 5,983 |
| Total risk-based capital ratio | 11.4318% | 5,930 |
| Memoranda: | ||
| Average total assets | $311,799,000 | 2,095 |
| Average earning assets | $299,445,250 | 2,035 |
| Average equity | $25,877,750 | 2,649 |
| Average total loans | $235,680,000 | 1,834 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,840 |
| Cost of funding earning assets | 1.1439% | 77 |
| Net interest margin | 3.2597% | 4,453 |
| Noninterest income to average assets | 0.1996% | 5,487 |
| Noninterest expense to average assets | 1.4513% | 6,140 |
| Loan and lease loss provision to assets | 0.4529% | 237 |
| Net operating income to assets | 1.3431% | 1,210 |
| Return on assets (ROA) | 1.3431% | 1,253 |
| Pretax return on assets | 1.4267% | 1,880 |
| Return on Equity (ROE) | 16.3595% | 566 |
| Retained earnings to average equity (ytd only) | 16.3595% | 143 |
| Net charge-offs to loans | 0.2428% | 1,070 |
| Credit loss provision to net charge-offs | 246.9965% | 1,061 |
| Earnings coverage of net charge-offs (x) | 10.2509% | 2,378 |
| Efficiency ratio | 43.5713% | 6,129 |
| Assets per employee ($millions) | 10.3211% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 3,226 |
| Loan loss allowance to noncurrent loans | 94.2408% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 2,408 |
| Noncurrent loans to loans | 1.3834% | 1,952 |
| Net loans and leases to total assets | 74.8162% | 1,534 |
| Net loans and leases to deposits | 86.8904% | 1,954 |
| Net loans and leases to core deposits | 93.2375% | 2,035 |
| Total domestic deposits to total assets | 86.1041% | 2,642 |
| Equity capital to assets | 8.4659% | 5,713 |
| Core capital (leverage) ratio | 8.5894% | 5,450 |
| Tier 1 risk-based capital ratio | 10.0824% | 6,058 |
| Total risk-based capital ratio | 11.2597% | 6,037 |
| Memoranda: | ||
| Average total assets | $308,687,000 | 2,131 |
| Average earning assets | $296,534,000 | 2,067 |
| Average equity | $25,343,000 | 2,695 |
| Average total loans | $233,109,670 | 1,854 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,840 |
| Cost of funding earning assets | 1.1206% | 85 |
| Net interest margin | 3.2591% | 4,385 |
| Noninterest income to average assets | 0.1583% | 5,794 |
| Noninterest expense to average assets | 1.2654% | 6,298 |
| Loan and lease loss provision to assets | 0.4490% | 244 |
| Net operating income to assets | 1.4938% | 860 |
| Return on assets (ROA) | 1.4938% | 914 |
| Pretax return on assets | 1.5729% | 1,338 |
| Return on Equity (ROE) | 18.4840% | 351 |
| Retained earnings to average equity (ytd only) | 18.4840% | 131 |
| Net charge-offs to loans | 0.0207% | 2,738 |
| Credit loss provision to net charge-offs | 2,883.3333% | 140 |
| Earnings coverage of net charge-offs (x) | 129.8333% | 403 |
| Efficiency ratio | 38.4919% | 6,295 |
| Assets per employee ($millions) | 10.9350% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 3,577 |
| Loan loss allowance to noncurrent loans | 214.2446% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 4,223 |
| Noncurrent loans to loans | 0.5931% | 3,800 |
| Net loans and leases to total assets | 75.5664% | 1,272 |
| Net loans and leases to deposits | 87.6139% | 1,658 |
| Net loans and leases to core deposits | 92.3563% | 1,916 |
| Total domestic deposits to total assets | 86.2493% | 2,795 |
| Equity capital to assets | 8.3467% | 5,839 |
| Core capital (leverage) ratio | 8.2880% | 5,741 |
| Tier 1 risk-based capital ratio | 9.7196% | 6,231 |
| Total risk-based capital ratio | 10.8644% | 6,219 |
| Memoranda: | ||
| Average total assets | $308,214,500 | 2,143 |
| Average earning assets | $295,907,000 | 2,079 |
| Average equity | $24,908,000 | 2,759 |
| Average total loans | $232,307,000 | 1,860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 2,769 |
| Cost of funding earning assets | 1.0747% | 154 |
| Net interest margin | 3.1771% | 4,996 |
| Noninterest income to average assets | 0.3557% | 4,555 |
| Noninterest expense to average assets | 1.3773% | 6,367 |
| Loan and lease loss provision to assets | 0.4377% | 384 |
| Net operating income to assets | 1.5131% | 856 |
| Return on assets (ROA) | 1.5225% | 867 |
| Pretax return on assets | 1.6058% | 1,219 |
| Return on Equity (ROE) | 19.3930% | 286 |
| Retained earnings to average equity (ytd only) | 13.3287% | 209 |
| Net charge-offs to loans | 0.3186% | 1,387 |
| Credit loss provision to net charge-offs | 188.9868% | 1,302 |
| Earnings coverage of net charge-offs (x) | 8.7812% | 2,832 |
| Efficiency ratio | 40.3789% | 6,391 |
| Assets per employee ($millions) | 10.3416% | 221 |
| Cash dividends to net income (ytd only)* | 31.2709% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 4,298 |
| Loan loss allowance to noncurrent loans | 214.4363% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 4,500 |
| Noncurrent loans to loans | 0.5355% | 4,054 |
| Net loans and leases to total assets | 73.3678% | 1,696 |
| Net loans and leases to deposits | 90.7070% | 1,442 |
| Net loans and leases to core deposits | 93.8810% | 1,933 |
| Total domestic deposits to total assets | 80.8843% | 4,773 |
| Equity capital to assets | 7.8196% | 6,135 |
| Core capital (leverage) ratio | 7.9599% | 6,024 |
| Tier 1 risk-based capital ratio | 9.2052% | 6,393 |
| Total risk-based capital ratio | 10.2137% | 6,402 |
| Memoranda: | ||
| Average total assets | $294,058,200 | 2,187 |
| Average earning assets | $282,770,800 | 2,103 |
| Average equity | $23,085,600 | 2,840 |
| Average total loans | $213,742,200 | 1,944 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 2,849 |
| Cost of funding earning assets | 1.0660% | 178 |
| Net interest margin | 3.1719% | 5,051 |
| Noninterest income to average assets | 0.2726% | 5,261 |
| Noninterest expense to average assets | 1.3769% | 6,423 |
| Loan and lease loss provision to assets | 0.4032% | 419 |
| Net operating income to assets | 1.4670% | 992 |
| Return on assets (ROA) | 1.4670% | 1,031 |
| Pretax return on assets | 1.5456% | 1,494 |
| Return on Equity (ROE) | 18.6669% | 381 |
| Retained earnings to average equity (ytd only) | 18.6669% | 96 |
| Net charge-offs to loans | 0.1635% | 2,163 |
| Credit loss provision to net charge-offs | 341.2451% | 822 |
| Earnings coverage of net charge-offs (x) | 16.4941% | 1,967 |
| Efficiency ratio | 41.4017% | 6,429 |
| Assets per employee ($millions) | 10.0274% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 4,114 |
| Loan loss allowance to noncurrent loans | 169.8849% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 4,320 |
| Noncurrent loans to loans | 0.7200% | 3,809 |
| Net loans and leases to total assets | 71.3280% | 1,964 |
| Net loans and leases to deposits | 81.7143% | 2,463 |
| Net loans and leases to core deposits | 84.5993% | 2,821 |
| Total domestic deposits to total assets | 87.2895% | 2,162 |
| Equity capital to assets | 8.1440% | 6,048 |
| Core capital (leverage) ratio | 8.1567% | 5,964 |
| Tier 1 risk-based capital ratio | 9.8324% | 6,377 |
| Total risk-based capital ratio | 10.9099% | 6,383 |
| Memoranda: | ||
| Average total assets | $290,010,750 | 2,225 |
| Average earning assets | $279,155,000 | 2,146 |
| Average equity | $22,792,000 | 2,874 |
| Average total loans | $209,611,250 | 1,988 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 2,922 |
| Cost of funding earning assets | 1.0496% | 196 |
| Net interest margin | 3.1581% | 5,071 |
| Noninterest income to average assets | 0.2465% | 5,436 |
| Noninterest expense to average assets | 1.4113% | 6,466 |
| Loan and lease loss provision to assets | 0.3499% | 515 |
| Net operating income to assets | 1.4483% | 964 |
| Return on assets (ROA) | 1.4483% | 1,008 |
| Pretax return on assets | 1.5258% | 1,461 |
| Return on Equity (ROE) | 18.6653% | 392 |
| Retained earnings to average equity (ytd only) | 18.6653% | 106 |
| Net charge-offs to loans | 0.0019% | 4,328 |
| Credit loss provision to net charge-offs | 25,050.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,343.0000% | 37 |
| Efficiency ratio | 42.9361% | 6,452 |
| Assets per employee ($millions) | 9.1514% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,404 |
| Loan loss allowance to noncurrent loans | 224.3148% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 4,744 |
| Noncurrent loans to loans | 0.5367% | 4,398 |
| Net loans and leases to total assets | 71.0918% | 1,907 |
| Net loans and leases to deposits | 79.8285% | 2,537 |
| Net loans and leases to core deposits | 82.1621% | 2,957 |
| Total domestic deposits to total assets | 89.0556% | 1,324 |
| Equity capital to assets | 7.9626% | 6,176 |
| Core capital (leverage) ratio | 8.0092% | 6,092 |
| Tier 1 risk-based capital ratio | 9.7218% | 6,464 |
| Total risk-based capital ratio | 10.7882% | 6,472 |
| Memoranda: | ||
| Average total assets | $286,406,670 | 2,247 |
| Average earning assets | $275,734,670 | 2,173 |
| Average equity | $22,223,000 | 2,923 |
| Average total loans | $207,072,330 | 2,001 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,875 |
| Cost of funding earning assets | 1.0244% | 246 |
| Net interest margin | 3.1758% | 5,001 |
| Noninterest income to average assets | 0.2627% | 5,261 |
| Noninterest expense to average assets | 1.4111% | 6,554 |
| Loan and lease loss provision to assets | 0.3192% | 577 |
| Net operating income to assets | 1.5142% | 789 |
| Return on assets (ROA) | 1.5142% | 828 |
| Pretax return on assets | 1.5891% | 1,197 |
| Return on Equity (ROE) | 19.7827% | 303 |
| Retained earnings to average equity (ytd only) | 19.7827% | 127 |
| Net charge-offs to loans | -0.0019% | 4,699 |
| Credit loss provision to net charge-offs | -22,600.0000% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5106% | 6,533 |
| Assets per employee ($millions) | 9.5598% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,189 |
| Loan loss allowance to noncurrent loans | 179.6193% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 4,713 |
| Noncurrent loans to loans | 0.6034% | 4,349 |
| Net loans and leases to total assets | 72.0775% | 1,567 |
| Net loans and leases to deposits | 79.8392% | 2,310 |
| Net loans and leases to core deposits | 81.9455% | 2,742 |
| Total domestic deposits to total assets | 90.2784% | 921 |
| Equity capital to assets | 7.7502% | 6,206 |
| Core capital (leverage) ratio | 7.9233% | 6,164 |
| Tier 1 risk-based capital ratio | 9.3925% | 6,565 |
| Total risk-based capital ratio | 10.3539% | 6,582 |
| Memoranda: | ||
| Average total assets | $283,188,000 | 2,274 |
| Average earning assets | $272,557,000 | 2,196 |
| Average equity | $21,675,500 | 2,977 |
| Average total loans | $205,246,000 | 2,011 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,424 |
| Cost of funding earning assets | 1.0407% | 375 |
| Net interest margin | 3.1369% | 5,207 |
| Noninterest income to average assets | 0.8726% | 1,777 |
| Noninterest expense to average assets | 1.5261% | 6,561 |
| Loan and lease loss provision to assets | 0.3491% | 906 |
| Net operating income to assets | 1.9097% | 388 |
| Return on assets (ROA) | 1.9097% | 400 |
| Pretax return on assets | 2.0112% | 462 |
| Return on Equity (ROE) | 24.0944% | 147 |
| Retained earnings to average equity (ytd only) | 15.1962% | 162 |
| Net charge-offs to loans | 0.6336% | 1,031 |
| Credit loss provision to net charge-offs | 78.3641% | 3,088 |
| Earnings coverage of net charge-offs (x) | 5.2982% | 3,335 |
| Efficiency ratio | 39.2681% | 6,701 |
| Assets per employee ($millions) | 8.7369% | 365 |
| Cash dividends to net income (ytd only)* | 36.9307% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 5,509 |
| Loan loss allowance to noncurrent loans | 178.6152% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 4,912 |
| Noncurrent loans to loans | 0.5662% | 4,573 |
| Net loans and leases to total assets | 71.3476% | 1,784 |
| Net loans and leases to deposits | 82.4983% | 2,130 |
| Net loans and leases to core deposits | 84.4510% | 2,629 |
| Total domestic deposits to total assets | 86.4838% | 3,000 |
| Equity capital to assets | 7.5556% | 6,258 |
| Core capital (leverage) ratio | 7.9468% | 6,173 |
| Tier 1 risk-based capital ratio | 9.0798% | 6,655 |
| Total risk-based capital ratio | 9.9587% | 6,673 |
| Memoranda: | ||
| Average total assets | $255,218,200 | 2,485 |
| Average earning assets | $245,212,200 | 2,374 |
| Average equity | $20,228,800 | 3,130 |
| Average total loans | $179,453,200 | 2,198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,447 |
| Cost of funding earning assets | 1.0424% | 400 |
| Net interest margin | 3.1413% | 5,183 |
| Noninterest income to average assets | 1.0062% | 1,433 |
| Noninterest expense to average assets | 1.5815% | 6,569 |
| Loan and lease loss provision to assets | 0.3179% | 1,058 |
| Net operating income to assets | 2.0203% | 353 |
| Return on assets (ROA) | 2.0203% | 363 |
| Pretax return on assets | 2.1242% | 454 |
| Return on Equity (ROE) | 25.1598% | 116 |
| Retained earnings to average equity (ytd only) | 25.1598% | 47 |
| Net charge-offs to loans | 0.4944% | 1,300 |
| Credit loss provision to net charge-offs | 92.0930% | 2,582 |
| Earnings coverage of net charge-offs (x) | 7.0744% | 2,850 |
| Efficiency ratio | 39.3057% | 6,768 |
| Assets per employee ($millions) | 7.8418% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 4,855 |
| Loan loss allowance to noncurrent loans | 317.1875% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 5,479 |
| Noncurrent loans to loans | 0.3788% | 5,265 |
| Net loans and leases to total assets | 70.9457% | 1,794 |
| Net loans and leases to deposits | 80.1346% | 2,388 |
| Net loans and leases to core deposits | 81.4240% | 2,944 |
| Total domestic deposits to total assets | 88.5332% | 1,823 |
| Equity capital to assets | 8.4315% | 5,812 |
| Core capital (leverage) ratio | 8.5520% | 5,720 |
| Tier 1 risk-based capital ratio | 10.1757% | 6,544 |
| Total risk-based capital ratio | 11.2201% | 6,567 |
| Memoranda: | ||
| Average total assets | $249,127,250 | 2,553 |
| Average earning assets | $239,303,500 | 2,444 |
| Average equity | $20,005,000 | 3,183 |
| Average total loans | $173,938,250 | 2,266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,516 |
| Cost of funding earning assets | 1.0271% | 474 |
| Net interest margin | 3.1288% | 5,190 |
| Noninterest income to average assets | 1.4135% | 790 |
| Noninterest expense to average assets | 1.5762% | 6,611 |
| Loan and lease loss provision to assets | 0.2220% | 1,710 |
| Net operating income to assets | 2.4944% | 177 |
| Return on assets (ROA) | 2.4944% | 186 |
| Pretax return on assets | 2.6229% | 239 |
| Return on Equity (ROE) | 31.6180% | 61 |
| Retained earnings to average equity (ytd only) | 31.6180% | 30 |
| Net charge-offs to loans | 0.6695% | 983 |
| Credit loss provision to net charge-offs | 47.9789% | 3,256 |
| Earnings coverage of net charge-offs (x) | 6.1476% | 2,763 |
| Efficiency ratio | 35.6512% | 6,846 |
| Assets per employee ($millions) | 7.7641% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,233 |
| Loan loss allowance to noncurrent loans | 215.9609% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 5,367 |
| Noncurrent loans to loans | 0.5334% | 4,929 |
| Net loans and leases to total assets | 68.6932% | 2,108 |
| Net loans and leases to deposits | 77.3578% | 2,659 |
| Net loans and leases to core deposits | 78.5602% | 3,217 |
| Total domestic deposits to total assets | 88.7994% | 1,735 |
| Equity capital to assets | 8.4793% | 5,783 |
| Core capital (leverage) ratio | 8.5297% | 5,632 |
| Tier 1 risk-based capital ratio | 10.5356% | 6,489 |
| Total risk-based capital ratio | 11.5312% | 6,543 |
| Memoranda: | ||
| Average total assets | $245,909,330 | 2,588 |
| Average earning assets | $236,382,670 | 2,483 |
| Average equity | $19,400,330 | 3,281 |
| Average total loans | $169,975,330 | 2,310 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,729 |
| Cost of funding earning assets | 1.0003% | 610 |
| Net interest margin | 3.0994% | 5,264 |
| Noninterest income to average assets | 0.1946% | 6,085 |
| Noninterest expense to average assets | 1.5876% | 6,677 |
| Loan and lease loss provision to assets | 0.2224% | 1,662 |
| Net operating income to assets | 1.2950% | 1,291 |
| Return on assets (ROA) | 1.2950% | 1,392 |
| Pretax return on assets | 1.3685% | 1,976 |
| Return on Equity (ROE) | 17.0625% | 506 |
| Retained earnings to average equity (ytd only) | 17.0625% | 227 |
| Net charge-offs to loans | 0.8515% | 710 |
| Credit loss provision to net charge-offs | 37.8830% | 2,780 |
| Earnings coverage of net charge-offs (x) | 2.7103% | 2,962 |
| Efficiency ratio | 49.9486% | 6,504 |
| Assets per employee ($millions) | 8.1352% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 5,117 |
| Loan loss allowance to noncurrent loans | 172.7578% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 5,156 |
| Noncurrent loans to loans | 0.7026% | 4,723 |
| Net loans and leases to total assets | 68.7256% | 1,884 |
| Net loans and leases to deposits | 76.5414% | 2,544 |
| Net loans and leases to core deposits | 77.7394% | 3,112 |
| Total domestic deposits to total assets | 89.7888% | 1,173 |
| Equity capital to assets | 7.7658% | 6,493 |
| Core capital (leverage) ratio | 7.7744% | 6,309 |
| Tier 1 risk-based capital ratio | 9.6416% | 6,743 |
| Total risk-based capital ratio | 10.7001% | 6,759 |
| Memoranda: | ||
| Average total assets | $244,638,500 | 2,637 |
| Average earning assets | $235,527,000 | 2,515 |
| Average equity | $18,567,000 | 3,441 |
| Average total loans | $168,634,000 | 2,337 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 3,753 |
| Cost of funding earning assets | 1.0659% | 1,050 |
| Net interest margin | 3.3499% | 5,074 |
| Noninterest income to average assets | 0.4918% | 3,954 |
| Noninterest expense to average assets | 1.7941% | 6,631 |
| Loan and lease loss provision to assets | 0.2344% | 2,794 |
| Net operating income to assets | 1.5898% | 768 |
| Return on assets (ROA) | 1.5898% | 851 |
| Pretax return on assets | 1.6742% | 1,200 |
| Return on Equity (ROE) | 19.7501% | 311 |
| Retained earnings to average equity (ytd only) | 8.8708% | 864 |
| Net charge-offs to loans | 0.1400% | 4,293 |
| Credit loss provision to net charge-offs | 252.1739% | 960 |
| Earnings coverage of net charge-offs (x) | 20.5314% | 1,348 |
| Efficiency ratio | 48.4536% | 6,681 |
| Assets per employee ($millions) | 7.9104% | 522 |
| Cash dividends to net income (ytd only)* | 55.0847% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,337 |
| Loan loss allowance to noncurrent loans | 519.0909% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 6,114 |
| Noncurrent loans to loans | 0.2627% | 5,821 |
| Net loans and leases to total assets | 67.3654% | 2,302 |
| Net loans and leases to deposits | 75.6594% | 2,857 |
| Net loans and leases to core deposits | 76.3148% | 3,486 |
| Total domestic deposits to total assets | 89.0376% | 1,537 |
| Equity capital to assets | 7.4141% | 6,665 |
| Core capital (leverage) ratio | 7.6759% | 6,421 |
| Tier 1 risk-based capital ratio | 9.1174% | 6,844 |
| Total risk-based capital ratio | 10.2755% | 6,847 |
| Memoranda: | ||
| Average total assets | $222,671,800 | 2,815 |
| Average earning assets | $213,437,000 | 2,696 |
| Average equity | $17,924,000 | 3,481 |
| Average total loans | $147,814,600 | 2,604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 3,642 |
| Cost of funding earning assets | 1.0872% | 1,113 |
| Net interest margin | 3.4120% | 4,995 |
| Noninterest income to average assets | 0.5167% | 3,820 |
| Noninterest expense to average assets | 1.7662% | 6,715 |
| Loan and lease loss provision to assets | 0.2488% | 2,574 |
| Net operating income to assets | 1.6802% | 721 |
| Return on assets (ROA) | 1.6802% | 799 |
| Pretax return on assets | 1.7656% | 1,136 |
| Return on Equity (ROE) | 20.4179% | 312 |
| Retained earnings to average equity (ytd only) | 18.1782% | 118 |
| Net charge-offs to loans | 0.1931% | 3,572 |
| Credit loss provision to net charge-offs | 195.6522% | 1,419 |
| Earnings coverage of net charge-offs (x) | 15.8408% | 1,725 |
| Efficiency ratio | 46.7176% | 6,784 |
| Assets per employee ($millions) | 7.4395% | 615 |
| Cash dividends to net income (ytd only)* | 10.9689% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,298 |
| Loan loss allowance to noncurrent loans | 320.0886% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 5,971 |
| Noncurrent loans to loans | 0.4428% | 5,564 |
| Net loans and leases to total assets | 65.3592% | 2,763 |
| Net loans and leases to deposits | 72.4982% | 3,536 |
| Net loans and leases to core deposits | 72.9812% | 4,122 |
| Total domestic deposits to total assets | 90.1528% | 766 |
| Equity capital to assets | 8.2741% | 6,440 |
| Core capital (leverage) ratio | 8.3954% | 5,902 |
| Tier 1 risk-based capital ratio | 10.5396% | 6,653 |
| Total risk-based capital ratio | 11.7527% | 6,647 |
| Memoranda: | ||
| Average total assets | $217,034,500 | 2,893 |
| Average earning assets | $207,617,500 | 2,795 |
| Average equity | $17,859,750 | 3,523 |
| Average total loans | $142,898,750 | 2,716 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 3,593 |
| Cost of funding earning assets | 1.1081% | 1,187 |
| Net interest margin | 3.4345% | 4,948 |
| Noninterest income to average assets | 0.6033% | 3,239 |
| Noninterest expense to average assets | 1.8371% | 6,706 |
| Loan and lease loss provision to assets | 0.2852% | 2,296 |
| Net operating income to assets | 1.6771% | 707 |
| Return on assets (ROA) | 1.6771% | 794 |
| Pretax return on assets | 1.7628% | 1,108 |
| Return on Equity (ROE) | 20.4213% | 328 |
| Retained earnings to average equity (ytd only) | 16.9834% | 183 |
| Net charge-offs to loans | 0.0287% | 4,979 |
| Credit loss provision to net charge-offs | 1,515.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 108.8000% | 395 |
| Efficiency ratio | 47.2868% | 6,817 |
| Assets per employee ($millions) | 7.0815% | 703 |
| Cash dividends to net income (ytd only)* | 16.8350% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 3,754 |
| Loan loss allowance to noncurrent loans | 378.4874% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 5,849 |
| Noncurrent loans to loans | 0.4116% | 5,713 |
| Net loans and leases to total assets | 64.8265% | 2,868 |
| Net loans and leases to deposits | 71.0064% | 3,766 |
| Net loans and leases to core deposits | 71.4069% | 4,369 |
| Total domestic deposits to total assets | 91.2967% | 357 |
| Equity capital to assets | 8.2628% | 6,405 |
| Core capital (leverage) ratio | 8.2023% | 6,047 |
| Tier 1 risk-based capital ratio | 10.9493% | 6,524 |
| Total risk-based capital ratio | 12.2009% | 6,502 |
| Memoranda: | ||
| Average total assets | $212,504,670 | 2,946 |
| Average earning assets | $203,055,670 | 2,844 |
| Average equity | $17,452,330 | 3,576 |
| Average total loans | $139,564,670 | 2,770 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 3,255 |
| Cost of funding earning assets | 1.1139% | 1,328 |
| Net interest margin | 3.5379% | 4,532 |
| Noninterest income to average assets | 0.3981% | 4,690 |
| Noninterest expense to average assets | 1.8316% | 6,758 |
| Loan and lease loss provision to assets | 0.1761% | 3,205 |
| Net operating income to assets | 1.6823% | 746 |
| Return on assets (ROA) | 1.6823% | 831 |
| Pretax return on assets | 1.7704% | 1,149 |
| Return on Equity (ROE) | 20.5506% | 352 |
| Retained earnings to average equity (ytd only) | 20.5506% | 176 |
| Net charge-offs to loans | 0.1109% | 3,462 |
| Credit loss provision to net charge-offs | 242.1053% | 1,174 |
| Earnings coverage of net charge-offs (x) | 26.7632% | 998 |
| Efficiency ratio | 48.4802% | 6,767 |
| Assets per employee ($millions) | 7.7029% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 4,355 |
| Loan loss allowance to noncurrent loans | 197.1735% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 5,060 |
| Noncurrent loans to loans | 0.7374% | 5,192 |
| Net loans and leases to total assets | 63.5754% | 2,926 |
| Net loans and leases to deposits | 69.5151% | 3,802 |
| Net loans and leases to core deposits | 69.6468% | 4,471 |
| Total domestic deposits to total assets | 91.4554% | 386 |
| Equity capital to assets | 8.1421% | 6,418 |
| Core capital (leverage) ratio | 8.2717% | 5,922 |
| Tier 1 risk-based capital ratio | 10.9227% | 6,573 |
| Total risk-based capital ratio | 12.1729% | 6,562 |
| Memoranda: | ||
| Average total assets | $208,994,000 | 3,000 |
| Average earning assets | $199,665,000 | 2,901 |
| Average equity | $17,109,000 | 3,630 |
| Average total loans | $137,065,500 | 2,826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 4,050 |
| Cost of funding earning assets | 1.4385% | 885 |
| Net interest margin | 3.3072% | 5,791 |
| Noninterest income to average assets | 0.4230% | 4,428 |
| Noninterest expense to average assets | 2.7749% | 4,450 |
| Loan and lease loss provision to assets | 0.1617% | 4,611 |
| Net operating income to assets | 0.5930% | 4,039 |
| Return on assets (ROA) | 0.6184% | 4,092 |
| Pretax return on assets | 0.6569% | 4,491 |
| Return on Equity (ROE) | 8.7376% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.3924% | 1,807 |
| Net charge-offs to loans | 0.0183% | 6,185 |
| Credit loss provision to net charge-offs | 1,364.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 66.7600% | 444 |
| Efficiency ratio | 77.8059% | 2,615 |
| Assets per employee ($millions) | 7.2253% | 648 |
| Cash dividends to net income (ytd only)* | 26.8405% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,199 |
| Loan loss allowance to noncurrent loans | 370.1128% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 4,701 |
| Noncurrent loans to loans | 0.3941% | 5,925 |
| Net loans and leases to total assets | 65.7511% | 2,831 |
| Net loans and leases to deposits | 73.0384% | 3,658 |
| Net loans and leases to core deposits | 73.1879% | 4,351 |
| Total domestic deposits to total assets | 90.0226% | 983 |
| Equity capital to assets | 8.2335% | 6,402 |
| Core capital (leverage) ratio | 8.0656% | 6,183 |
| Tier 1 risk-based capital ratio | 10.4721% | 6,697 |
| Total risk-based capital ratio | 11.7224% | 6,676 |
| Memoranda: | ||
| Average total assets | $210,854,800 | 2,935 |
| Average earning assets | $200,412,800 | 2,847 |
| Average equity | $14,924,000 | 3,925 |
| Average total loans | $136,962,000 | 2,859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 4,194 |
| Cost of funding earning assets | 1.5516% | 716 |
| Net interest margin | 3.2073% | 6,143 |
| Noninterest income to average assets | 0.3675% | 4,933 |
| Noninterest expense to average assets | 3.1262% | 3,068 |
| Loan and lease loss provision to assets | 0.1459% | 4,619 |
| Net operating income to assets | 0.1020% | 5,961 |
| Return on assets (ROA) | 0.1277% | 6,013 |
| Pretax return on assets | 0.1784% | 5,936 |
| Return on Equity (ROE) | 1.8770% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.8770% | 5,205 |
| Net charge-offs to loans | 0.0301% | 5,725 |
| Credit loss provision to net charge-offs | 751.6129% | 356 |
| Earnings coverage of net charge-offs (x) | 14.8718% | 1,507 |
| Efficiency ratio | 91.5490% | 1,065 |
| Assets per employee ($millions) | 7.3475% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 4,802 |
| Loan loss allowance to noncurrent loans | 292.7445% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 4,935 |
| Noncurrent loans to loans | 0.4589% | 5,932 |
| Net loans and leases to total assets | 66.2507% | 2,845 |
| Net loans and leases to deposits | 74.3342% | 3,609 |
| Net loans and leases to core deposits | 74.4849% | 4,384 |
| Total domestic deposits to total assets | 89.1255% | 1,353 |
| Equity capital to assets | 7.7558% | 6,821 |
| Core capital (leverage) ratio | 7.4289% | 6,801 |
| Tier 1 risk-based capital ratio | 9.9038% | 6,982 |
| Total risk-based capital ratio | 11.0791% | 6,991 |
| Memoranda: | ||
| Average total assets | $212,991,750 | 2,921 |
| Average earning assets | $202,366,500 | 2,827 |
| Average equity | $14,490,750 | 4,035 |
| Average total loans | $137,455,500 | 2,870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 4,771 |
| Cost of funding earning assets | 1.6695% | 533 |
| Net interest margin | 2.9767% | 6,649 |
| Noninterest income to average assets | 0.4438% | 4,325 |
| Noninterest expense to average assets | 6.9430% | 142 |
| Loan and lease loss provision to assets | 0.1597% | 4,322 |
| Net operating income to assets | -3.9032% | 7,385 |
| Return on assets (ROA) | -3.8586% | 7,384 |
| Pretax return on assets | -3.7834% | 7,373 |
| Return on Equity (ROE) | -59.3615% | 7,373 |
| Retained earnings to average equity (ytd only) | -59.3615% | 7,370 |
| Net charge-offs to loans | 0.0379% | 5,319 |
| Credit loss provision to net charge-offs | 661.5385% | 473 |
| Earnings coverage of net charge-offs (x) | -151.9615% | 5,869 |
| Efficiency ratio | 212.0215% | 51 |
| Assets per employee ($millions) | 7.5595% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,980 |
| Loan loss allowance to noncurrent loans | 379.5359% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 5,293 |
| Noncurrent loans to loans | 0.3471% | 6,224 |
| Net loans and leases to total assets | 63.6596% | 3,540 |
| Net loans and leases to deposits | 68.2737% | 4,662 |
| Net loans and leases to core deposits | 68.4013% | 5,250 |
| Total domestic deposits to total assets | 93.2417% | 119 |
| Equity capital to assets | 5.4558% | 7,293 |
| Core capital (leverage) ratio | 5.1652% | 7,286 |
| Tier 1 risk-based capital ratio | 7.2941% | 7,295 |
| Total risk-based capital ratio | 8.4573% | 7,301 |
| Memoranda: | ||
| Average total assets | $215,412,670 | 2,906 |
| Average earning assets | $204,857,000 | 2,817 |
| Average equity | $14,002,330 | 4,123 |
| Average total loans | $137,223,000 | 2,908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 5,175 |
| Cost of funding earning assets | 1.6900% | 578 |
| Net interest margin | 2.8592% | 6,821 |
| Noninterest income to average assets | 0.6535% | 2,820 |
| Noninterest expense to average assets | 1.5924% | 7,311 |
| Loan and lease loss provision to assets | 0.1123% | 4,609 |
| Net operating income to assets | 1.5776% | 724 |
| Return on assets (ROA) | 1.5776% | 768 |
| Pretax return on assets | 1.6678% | 1,044 |
| Return on Equity (ROE) | 22.5089% | 232 |
| Retained earnings to average equity (ytd only) | 22.5089% | 129 |
| Net charge-offs to loans | -0.0058% | 6,267 |
| Credit loss provision to net charge-offs | -3,050.0000% | 6,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2162% | 7,147 |
| Assets per employee ($millions) | 8.0524% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 5,460 |
| Loan loss allowance to noncurrent loans | 230.4698% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 5,098 |
| Noncurrent loans to loans | 0.5358% | 5,956 |
| Net loans and leases to total assets | 63.1651% | 3,612 |
| Net loans and leases to deposits | 68.4727% | 4,614 |
| Net loans and leases to core deposits | 68.7095% | 5,203 |
| Total domestic deposits to total assets | 92.2485% | 226 |
| Equity capital to assets | 7.3472% | 6,954 |
| Core capital (leverage) ratio | 7.1804% | 6,924 |
| Tier 1 risk-based capital ratio | 10.0758% | 6,979 |
| Total risk-based capital ratio | 11.1706% | 7,033 |
| Memoranda: | ||
| Average total assets | $217,286,500 | 2,907 |
| Average earning assets | $206,628,500 | 2,823 |
| Average equity | $15,229,500 | 3,857 |
| Average total loans | $137,562,500 | 2,935 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 4,508 |
| Cost of funding earning assets | 2.2194% | 292 |
| Net interest margin | 2.7915% | 7,038 |
| Noninterest income to average assets | 0.3604% | 5,225 |
| Noninterest expense to average assets | 1.7060% | 7,347 |
| Loan and lease loss provision to assets | 0.1799% | 5,419 |
| Net operating income to assets | 1.0302% | 1,933 |
| Return on assets (ROA) | 1.0302% | 2,039 |
| Pretax return on assets | 1.0892% | 2,608 |
| Return on Equity (ROE) | 15.2567% | 684 |
| Retained earnings to average equity (ytd only) | 12.2957% | 250 |
| Net charge-offs to loans | 0.2660% | 4,704 |
| Credit loss provision to net charge-offs | 102.2727% | 4,425 |
| Earnings coverage of net charge-offs (x) | 7.2131% | 2,177 |
| Efficiency ratio | 57.3421% | 6,413 |
| Assets per employee ($millions) | 8.0429% | 471 |
| Cash dividends to net income (ytd only)* | 19.4081% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,437 |
| Loan loss allowance to noncurrent loans | 213.9715% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 4,367 |
| Noncurrent loans to loans | 0.5681% | 5,918 |
| Net loans and leases to total assets | 61.9013% | 4,306 |
| Net loans and leases to deposits | 66.9227% | 5,265 |
| Net loans and leases to core deposits | 67.1524% | 5,757 |
| Total domestic deposits to total assets | 92.4967% | 187 |
| Equity capital to assets | 6.6703% | 7,219 |
| Core capital (leverage) ratio | 6.6694% | 7,152 |
| Tier 1 risk-based capital ratio | 9.1916% | 7,203 |
| Total risk-based capital ratio | 10.2447% | 7,253 |
| Memoranda: | ||
| Average total assets | $200,056,600 | 3,100 |
| Average earning assets | $187,393,400 | 3,041 |
| Average equity | $13,508,800 | 4,257 |
| Average total loans | $132,343,800 | 3,077 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 4,186 |
| Cost of funding earning assets | 2.3011% | 274 |
| Net interest margin | 2.8255% | 7,099 |
| Noninterest income to average assets | 0.3303% | 5,517 |
| Noninterest expense to average assets | 1.7550% | 7,388 |
| Loan and lease loss provision to assets | 0.1995% | 5,056 |
| Net operating income to assets | 0.9514% | 2,407 |
| Return on assets (ROA) | 0.9514% | 2,538 |
| Pretax return on assets | 1.0140% | 3,132 |
| Return on Equity (ROE) | 14.0419% | 1,027 |
| Retained earnings to average equity (ytd only) | 14.0419% | 271 |
| Net charge-offs to loans | -0.1360% | 7,587 |
| Credit loss provision to net charge-offs | -218.6567% | 6,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1191% | 6,092 |
| Assets per employee ($millions) | 7.9033% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,730 |
| Loan loss allowance to noncurrent loans | 130.1318% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.7367% | 3,836 |
| Noncurrent loans to loans | 1.1922% | 4,858 |
| Net loans and leases to total assets | 61.6461% | 4,602 |
| Net loans and leases to deposits | 66.9152% | 5,556 |
| Net loans and leases to core deposits | 67.1489% | 6,025 |
| Total domestic deposits to total assets | 92.1256% | 176 |
| Equity capital to assets | 6.8157% | 7,379 |
| Core capital (leverage) ratio | 6.7577% | 7,270 |
| Tier 1 risk-based capital ratio | 9.5671% | 7,238 |
| Total risk-based capital ratio | 10.8193% | 7,230 |
| Memoranda: | ||
| Average total assets | $195,781,500 | 3,195 |
| Average earning assets | $182,804,000 | 3,136 |
| Average equity | $13,264,750 | 4,376 |
| Average total loans | $131,410,500 | 3,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 3,837 |
| Cost of funding earning assets | 2.3719% | 263 |
| Net interest margin | 2.8504% | 7,082 |
| Noninterest income to average assets | 0.3381% | 5,445 |
| Noninterest expense to average assets | 1.7756% | 7,417 |
| Loan and lease loss provision to assets | 0.2612% | 4,312 |
| Net operating income to assets | 0.8846% | 2,606 |
| Return on assets (ROA) | 0.8846% | 2,730 |
| Pretax return on assets | 0.9425% | 3,338 |
| Return on Equity (ROE) | 13.0858% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.0858% | 370 |
| Net charge-offs to loans | -0.4117% | 7,716 |
| Credit loss provision to net charge-offs | -92.1933% | 6,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5970% | 6,119 |
| Assets per employee ($millions) | 7.2253% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,461 |
| Loan loss allowance to noncurrent loans | 153.4752% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.7691% | 3,801 |
| Noncurrent loans to loans | 1.0399% | 5,228 |
| Net loans and leases to total assets | 65.9522% | 3,843 |
| Net loans and leases to deposits | 71.4444% | 5,082 |
| Net loans and leases to core deposits | 71.8495% | 5,687 |
| Total domestic deposits to total assets | 92.3127% | 173 |
| Equity capital to assets | 6.6483% | 7,451 |
| Core capital (leverage) ratio | 6.6249% | 7,342 |
| Tier 1 risk-based capital ratio | 9.0798% | 7,397 |
| Total risk-based capital ratio | 10.3328% | 7,401 |
| Memoranda: | ||
| Average total assets | $189,912,330 | 3,304 |
| Average earning assets | $175,977,330 | 3,241 |
| Average equity | $12,838,330 | 4,474 |
| Average total loans | $130,674,330 | 3,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 3,520 |
| Cost of funding earning assets | 2.3881% | 315 |
| Net interest margin | 2.9173% | 6,988 |
| Noninterest income to average assets | 0.3462% | 5,367 |
| Noninterest expense to average assets | 1.8834% | 7,354 |
| Loan and lease loss provision to assets | 0.4398% | 2,764 |
| Net operating income to assets | 0.6314% | 3,750 |
| Return on assets (ROA) | 0.6314% | 3,874 |
| Pretax return on assets | 0.6880% | 4,276 |
| Return on Equity (ROE) | 9.2559% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.2559% | 1,335 |
| Net charge-offs to loans | 0.2090% | 3,665 |
| Credit loss provision to net charge-offs | 301.4925% | 1,307 |
| Earnings coverage of net charge-offs (x) | 7.7313% | 2,046 |
| Efficiency ratio | 62.5452% | 5,729 |
| Assets per employee ($millions) | 7.1843% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,716 |
| Loan loss allowance to noncurrent loans | 153.7997% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 4,234 |
| Noncurrent loans to loans | 0.8734% | 5,570 |
| Net loans and leases to total assets | 67.4336% | 3,519 |
| Net loans and leases to deposits | 73.0289% | 4,898 |
| Net loans and leases to core deposits | 73.4591% | 5,555 |
| Total domestic deposits to total assets | 92.3382% | 185 |
| Equity capital to assets | 6.6513% | 7,495 |
| Core capital (leverage) ratio | 6.8968% | 7,307 |
| Tier 1 risk-based capital ratio | 9.0853% | 7,460 |
| Total risk-based capital ratio | 10.3361% | 7,469 |
| Memoranda: | ||
| Average total assets | $183,715,000 | 3,449 |
| Average earning assets | $167,829,000 | 3,433 |
| Average equity | $12,532,500 | 4,581 |
| Average total loans | $128,216,500 | 3,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8560% | 2,418 |
| Cost of funding earning assets | 2.5558% | 883 |
| Net interest margin | 3.3002% | 5,749 |
| Noninterest income to average assets | 0.3761% | 5,408 |
| Noninterest expense to average assets | 2.1074% | 7,169 |
| Loan and lease loss provision to assets | 0.3529% | 4,684 |
| Net operating income to assets | 0.9273% | 2,085 |
| Return on assets (ROA) | 0.9279% | 2,147 |
| Pretax return on assets | 0.9408% | 2,791 |
| Return on Equity (ROE) | 12.8536% | 994 |
| Retained earnings to average equity (ytd only) | 9.0757% | 486 |
| Net charge-offs to loans | 0.0158% | 7,000 |
| Credit loss provision to net charge-offs | 3,055.5556% | 111 |
| Earnings coverage of net charge-offs (x) | 111.9444% | 253 |
| Efficiency ratio | 61.9740% | 6,159 |
| Assets per employee ($millions) | 6.1948% | 1,137 |
| Cash dividends to net income (ytd only)* | 29.3914% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,593 |
| Loan loss allowance to noncurrent loans | 131.9968% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.7428% | 3,755 |
| Noncurrent loans to loans | 1.0069% | 5,303 |
| Net loans and leases to total assets | 70.4515% | 3,146 |
| Net loans and leases to deposits | 76.8159% | 4,605 |
| Net loans and leases to core deposits | 79.8872% | 6,111 |
| Total domestic deposits to total assets | 91.7148% | 325 |
| Equity capital to assets | 7.0122% | 7,364 |
| Core capital (leverage) ratio | 7.0437% | 7,201 |
| Tier 1 risk-based capital ratio | 8.9716% | 7,478 |
| Total risk-based capital ratio | 10.2218% | 7,501 |
| Memoranda: | ||
| Average total assets | $155,829,600 | 3,864 |
| Average earning assets | $142,811,200 | 3,840 |
| Average equity | $11,249,800 | 4,960 |
| Average total loans | $113,816,600 | 3,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 2,598 |
| Cost of funding earning assets | 2.5343% | 1,194 |
| Net interest margin | 3.3327% | 5,519 |
| Noninterest income to average assets | 0.3857% | 5,428 |
| Noninterest expense to average assets | 2.5165% | 6,018 |
| Loan and lease loss provision to assets | 0.4130% | 3,844 |
| Net operating income to assets | 0.5521% | 3,785 |
| Return on assets (ROA) | 0.5530% | 3,866 |
| Pretax return on assets | 0.5556% | 4,347 |
| Return on Equity (ROE) | 7.5971% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.5971% | 1,267 |
| Net charge-offs to loans | -0.0323% | 7,811 |
| Credit loss provision to net charge-offs | -1,737.0370% | 7,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2264% | 4,203 |
| Assets per employee ($millions) | 5.7409% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,143 |
| Loan loss allowance to noncurrent loans | 279.0295% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 4,182 |
| Noncurrent loans to loans | 0.4885% | 6,340 |
| Net loans and leases to total assets | 72.4750% | 2,923 |
| Net loans and leases to deposits | 81.6484% | 4,085 |
| Net loans and leases to core deposits | 86.2886% | 5,836 |
| Total domestic deposits to total assets | 88.7648% | 1,305 |
| Equity capital to assets | 7.3278% | 7,412 |
| Core capital (leverage) ratio | 7.3014% | 7,186 |
| Tier 1 risk-based capital ratio | 9.0700% | 7,592 |
| Total risk-based capital ratio | 10.3201% | 7,602 |
| Memoranda: | ||
| Average total assets | $151,423,500 | 3,955 |
| Average earning assets | $140,784,500 | 3,913 |
| Average equity | $11,021,500 | 5,071 |
| Average total loans | $111,309,000 | 3,710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 2,613 |
| Cost of funding earning assets | 2.5070% | 1,588 |
| Net interest margin | 3.3865% | 5,227 |
| Noninterest income to average assets | 0.4221% | 5,104 |
| Noninterest expense to average assets | 2.5904% | 5,777 |
| Loan and lease loss provision to assets | 0.6311% | 2,536 |
| Net operating income to assets | 0.3587% | 4,658 |
| Return on assets (ROA) | 0.3600% | 4,762 |
| Pretax return on assets | 0.3641% | 5,033 |
| Return on Equity (ROE) | 4.9587% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.9587% | 2,536 |
| Net charge-offs to loans | -0.0807% | 7,918 |
| Credit loss provision to net charge-offs | -1,063.6364% | 7,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2724% | 4,356 |
| Assets per employee ($millions) | 5.6606% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 3,376 |
| Loan loss allowance to noncurrent loans | 333.1967% | 953 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 4,000 |
| Noncurrent loans to loans | 0.4401% | 6,421 |
| Net loans and leases to total assets | 71.4797% | 3,352 |
| Net loans and leases to deposits | 82.2859% | 4,181 |
| Net loans and leases to core deposits | 87.2217% | 5,792 |
| Total domestic deposits to total assets | 86.8675% | 2,324 |
| Equity capital to assets | 7.1286% | 7,534 |
| Core capital (leverage) ratio | 6.9716% | 7,558 |
| Tier 1 risk-based capital ratio | 8.9181% | 7,736 |
| Total risk-based capital ratio | 10.1698% | 7,769 |
| Memoranda: | ||
| Average total assets | $148,316,330 | 4,026 |
| Average earning assets | $138,492,670 | 3,980 |
| Average equity | $10,769,000 | 5,146 |
| Average total loans | $109,042,000 | 3,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8694% | 2,943 |
| Cost of funding earning assets | 2.4580% | 2,076 |
| Net interest margin | 3.4115% | 5,092 |
| Noninterest income to average assets | 0.4902% | 4,408 |
| Noninterest expense to average assets | 2.1334% | 7,046 |
| Loan and lease loss provision to assets | 0.8709% | 1,505 |
| Net operating income to assets | 0.6819% | 3,651 |
| Return on assets (ROA) | 0.6819% | 3,836 |
| Pretax return on assets | 0.6901% | 4,467 |
| Return on Equity (ROE) | 9.3032% | 2,610 |
| Retained earnings to average equity (ytd only) | 9.3032% | 1,398 |
| Net charge-offs to loans | 0.2368% | 3,224 |
| Credit loss provision to net charge-offs | 496.8750% | 1,097 |
| Earnings coverage of net charge-offs (x) | 8.9063% | 2,128 |
| Efficiency ratio | 57.7465% | 6,738 |
| Assets per employee ($millions) | 6.0236% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,591 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 5,192 |
| Noncurrent loans to loans | 1.0247% | 4,946 |
| Net loans and leases to total assets | 72.9715% | 3,010 |
| Net loans and leases to deposits | 85.6612% | 3,691 |
| Net loans and leases to core deposits | 90.2859% | 5,526 |
| Total domestic deposits to total assets | 85.1862% | 3,112 |
| Equity capital to assets | 7.2376% | 7,535 |
| Core capital (leverage) ratio | 7.2985% | 7,383 |
| Tier 1 risk-based capital ratio | 9.0499% | 7,761 |
| Total risk-based capital ratio | 10.2174% | 7,842 |
| Memoranda: | ||
| Average total assets | $146,057,000 | 4,075 |
| Average earning assets | $137,185,000 | 4,011 |
| Average equity | $10,706,000 | 5,184 |
| Average total loans | $108,127,000 | 3,833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1392% | 4,838 |
| Cost of funding earning assets | 3.0804% | 1,572 |
| Net interest margin | 3.0588% | 6,765 |
| Noninterest income to average assets | 0.7239% | 2,952 |
| Noninterest expense to average assets | 2.0839% | 7,268 |
| Loan and lease loss provision to assets | 1.1122% | 1,303 |
| Net operating income to assets | 0.3775% | 5,241 |
| Return on assets (ROA) | 0.3775% | 5,055 |
| Pretax return on assets | 0.4021% | 5,255 |
| Return on Equity (ROE) | 5.0647% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.0647% | 1,991 |
| Net charge-offs to loans | 1.5375% | 750 |
| Credit loss provision to net charge-offs | 100.1305% | 5,288 |
| Earnings coverage of net charge-offs (x) | 1.3633% | 5,446 |
| Efficiency ratio | 57.9138% | 6,713 |
| Assets per employee ($millions) | 5.6610% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,541 |
| Loan loss allowance to noncurrent loans | 127.1689% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,246 |
| Noncurrent loans to loans | 0.8343% | 4,965 |
| Net loans and leases to total assets | 73.4040% | 3,260 |
| Net loans and leases to deposits | 82.1628% | 4,700 |
| Net loans and leases to core deposits | 87.0788% | 6,055 |
| Total domestic deposits to total assets | 89.3397% | 902 |
| Equity capital to assets | 7.4284% | 7,447 |
| Core capital (leverage) ratio | 7.1232% | 7,595 |
| Tier 1 risk-based capital ratio | 9.3666% | 7,442 |
| Total risk-based capital ratio | 10.3743% | 7,658 |
| Memoranda: | ||
| Average total assets | $138,009,400 | 4,118 |
| Average earning assets | $129,690,400 | 4,045 |
| Average equity | $10,286,800 | 5,323 |
| Average total loans | $99,704,600 | 3,959 |