Home > Community State Bank of Rock Falls > Performance and Condition Ratios
Community State Bank of Rock Falls, 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 | 4.5048% | 3,088 |
| Cost of funding earning assets | 1.1731% | 2,877 |
| Net interest margin | 3.3317% | 2,555 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.3797% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8076% | 2,844 |
| Return on assets (ROA) | 0.8076% | 2,824 |
| Pretax return on assets | 1.0655% | 2,503 |
| Return on Equity (ROE) | 10.1600% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.4829% | 1,399 |
| Net charge-offs to loans | -0.2778% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.0735% | 2,003 |
| Assets per employee ($millions) | 5.9118% | 2,889 |
| Cash dividends to net income (ytd only)* | 16.5109% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3502% | 236 |
| Loan loss allowance to noncurrent loans | 118.3199% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 322 |
| Noncurrent loans to loans | 1.9863% | 288 |
| Net loans and leases to total assets | 62.8800% | 2,585 |
| Net loans and leases to deposits | 69.7287% | 2,903 |
| Net loans and leases to core deposits | 74.4895% | 3,048 |
| Total domestic deposits to total assets | 90.1700% | 716 |
| Equity capital to assets | 8.6908% | 2,909 |
| Core capital (leverage) ratio | 10.7009% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8683% | 700 |
| Memoranda: | ||
| Average total assets | $317,980,200 | 2,331 |
| Average earning assets | $293,932,200 | 2,336 |
| Average equity | $25,274,400 | 2,505 |
| Average total loans | $197,962,200 | 2,295 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 3,031 |
| Cost of funding earning assets | 1.0341% | 2,943 |
| Net interest margin | 3.4020% | 2,451 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3714% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8625% | 2,819 |
| Return on assets (ROA) | 0.8625% | 2,802 |
| Pretax return on assets | 1.1437% | 2,447 |
| Return on Equity (ROE) | 11.1100% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.4143% | 1,572 |
| Net charge-offs to loans | -0.4094% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4627% | 2,076 |
| Assets per employee ($millions) | 6.1898% | 2,579 |
| Cash dividends to net income (ytd only)* | 15.2798% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4197% | 224 |
| Loan loss allowance to noncurrent loans | 41.6319% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.8069% | 43 |
| Noncurrent loans to loans | 5.8121% | 39 |
| Net loans and leases to total assets | 63.6300% | 2,491 |
| Net loans and leases to deposits | 69.7279% | 2,858 |
| Net loans and leases to core deposits | 75.4731% | 2,904 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 7.7805% | 3,192 |
| Core capital (leverage) ratio | 10.5678% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1406% | 616 |
| Memoranda: | ||
| Average total assets | $317,666,500 | 2,336 |
| Average earning assets | $293,194,250 | 2,345 |
| Average equity | $24,657,000 | 2,528 |
| Average total loans | $196,064,250 | 2,315 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 3,146 |
| Cost of funding earning assets | 0.8778% | 2,998 |
| Net interest margin | 3.3961% | 2,528 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3203% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8908% | 2,787 |
| Return on assets (ROA) | 0.8908% | 2,772 |
| Pretax return on assets | 1.1829% | 2,407 |
| Return on Equity (ROE) | 11.4900% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.8675% | 1,443 |
| Net charge-offs to loans | -0.6232% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2331% | 2,204 |
| Assets per employee ($millions) | 5.6865% | 2,989 |
| Cash dividends to net income (ytd only)* | 14.0855% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5122% | 220 |
| Loan loss allowance to noncurrent loans | 85.8549% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7814% | 166 |
| Noncurrent loans to loans | 2.9261% | 148 |
| Net loans and leases to total assets | 58.5000% | 2,919 |
| Net loans and leases to deposits | 64.0145% | 3,188 |
| Net loans and leases to core deposits | 68.6999% | 3,199 |
| Total domestic deposits to total assets | 91.3800% | 532 |
| Equity capital to assets | 7.8123% | 3,342 |
| Core capital (leverage) ratio | 10.2656% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1875% | 700 |
| Memoranda: | ||
| Average total assets | $320,392,000 | 2,327 |
| Average earning assets | $295,748,000 | 2,340 |
| Average equity | $24,849,333 | 2,528 |
| Average total loans | $194,151,333 | 2,326 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 2,648 |
| Cost of funding earning assets | 0.3763% | 2,286 |
| Net interest margin | 3.2802% | 2,623 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.2566% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8872% | 3,016 |
| Return on assets (ROA) | 0.8838% | 2,968 |
| Pretax return on assets | 1.1743% | 2,523 |
| Return on Equity (ROE) | 11.0700% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.5333% | 1,629 |
| Net charge-offs to loans | 0.0518% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 38.3232% | 1,532 |
| Efficiency ratio | 65.6900% | 2,270 |
| Assets per employee ($millions) | 6.0970% | 2,681 |
| Cash dividends to net income (ytd only)* | 22.9174% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 298 |
| Loan loss allowance to noncurrent loans | 78.0108% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.8312% | 141 |
| Noncurrent loans to loans | 2.8478% | 151 |
| Net loans and leases to total assets | 61.6100% | 2,484 |
| Net loans and leases to deposits | 66.8830% | 2,827 |
| Net loans and leases to core deposits | 69.8349% | 2,887 |
| Total domestic deposits to total assets | 92.1200% | 609 |
| Equity capital to assets | 7.4958% | 3,389 |
| Core capital (leverage) ratio | 10.2088% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8852% | 844 |
| Memoranda: | ||
| Average total assets | $321,900,600 | 2,341 |
| Average earning assets | $296,565,200 | 2,355 |
| Average equity | $25,699,200 | 2,549 |
| Average total loans | $191,040,600 | 2,302 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 2,658 |
| Cost of funding earning assets | 0.3341% | 1,822 |
| Net interest margin | 3.1529% | 2,768 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.1759% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8547% | 3,048 |
| Return on assets (ROA) | 0.8547% | 3,024 |
| Pretax return on assets | 1.1348% | 2,613 |
| Return on Equity (ROE) | 10.5500% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.2238% | 1,919 |
| Net charge-offs to loans | 0.0611% | 878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 31.7586% | 1,501 |
| Efficiency ratio | 65.7239% | 2,317 |
| Assets per employee ($millions) | 6.1325% | 2,642 |
| Cash dividends to net income (ytd only)* | 22.0567% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 316 |
| Loan loss allowance to noncurrent loans | 32.7998% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 4.2551% | 24 |
| Noncurrent loans to loans | 6.8821% | 30 |
| Net loans and leases to total assets | 60.4300% | 2,453 |
| Net loans and leases to deposits | 65.2401% | 2,773 |
| Net loans and leases to core deposits | 67.7913% | 2,822 |
| Total domestic deposits to total assets | 92.6300% | 678 |
| Equity capital to assets | 7.0288% | 3,504 |
| Core capital (leverage) ratio | 9.9211% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3687% | 941 |
| Memoranda: | ||
| Average total assets | $324,638,750 | 2,346 |
| Average earning assets | $299,269,750 | 2,362 |
| Average equity | $26,297,000 | 2,553 |
| Average total loans | $189,816,250 | 2,312 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3326% | 2,632 |
| Cost of funding earning assets | 0.3247% | 1,483 |
| Net interest margin | 3.0079% | 2,850 |
| Noninterest income to average assets | 0.4206% | 2,625 |
| Noninterest expense to average assets | 2.1461% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7870% | 3,005 |
| Return on assets (ROA) | 0.7870% | 2,974 |
| Pretax return on assets | 1.0487% | 2,574 |
| Return on Equity (ROE) | 9.3240% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.2399% | 1,902 |
| Net charge-offs to loans | 0.0975% | 600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.7283% | 1,574 |
| Efficiency ratio | 67.1747% | 2,358 |
| Assets per employee ($millions) | 5.7635% | 2,963 |
| Cash dividends to net income (ytd only)* | 22.3511% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 320 |
| Loan loss allowance to noncurrent loans | 41.5499% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 3.2505% | 46 |
| Noncurrent loans to loans | 5.5726% | 45 |
| Net loans and leases to total assets | 56.9788% | 2,641 |
| Net loans and leases to deposits | 61.7840% | 2,902 |
| Net loans and leases to core deposits | 64.3921% | 2,933 |
| Total domestic deposits to total assets | 92.2226% | 748 |
| Equity capital to assets | 7.4468% | 3,505 |
| Core capital (leverage) ratio | 9.5136% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4212% | 931 |
| Memoranda: | ||
| Average total assets | $328,600,000 | 2,330 |
| Average earning assets | $303,069,333 | 2,360 |
| Average equity | $27,735,000 | 2,536 |
| Average total loans | $188,631,000 | 2,311 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1689% | 2,783 |
| Cost of funding earning assets | 0.3242% | 1,423 |
| Net interest margin | 2.8447% | 2,999 |
| Noninterest income to average assets | 0.5019% | 2,130 |
| Noninterest expense to average assets | 2.1815% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7191% | 2,986 |
| Return on assets (ROA) | 0.7191% | 2,977 |
| Pretax return on assets | 0.9568% | 2,585 |
| Return on Equity (ROE) | 8.0581% | 2,669 |
| Retained earnings to average equity (ytd only) | 6.1788% | 2,185 |
| Net charge-offs to loans | 0.1864% | 325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.0114% | 1,498 |
| Efficiency ratio | 69.5117% | 2,300 |
| Assets per employee ($millions) | 7.0620% | 1,950 |
| Cash dividends to net income (ytd only)* | 23.3221% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 345 |
| Loan loss allowance to noncurrent loans | 40.0569% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 3.2906% | 54 |
| Noncurrent loans to loans | 5.8531% | 47 |
| Net loans and leases to total assets | 54.7516% | 2,661 |
| Net loans and leases to deposits | 59.9332% | 2,910 |
| Net loans and leases to core deposits | 62.5571% | 2,926 |
| Total domestic deposits to total assets | 91.3543% | 867 |
| Equity capital to assets | 8.2227% | 3,384 |
| Core capital (leverage) ratio | 9.4662% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1412% | 1,021 |
| Memoranda: | ||
| Average total assets | $331,522,500 | 2,334 |
| Average earning assets | $307,236,000 | 2,352 |
| Average equity | $29,585,000 | 2,505 |
| Average total loans | $188,816,000 | 2,305 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 2,873 |
| Cost of funding earning assets | 0.4036% | 1,524 |
| Net interest margin | 3.0191% | 3,148 |
| Noninterest income to average assets | 0.5961% | 2,178 |
| Noninterest expense to average assets | 2.1790% | 3,147 |
| Loan and lease loss provision to assets | 0.1235% | 989 |
| Net operating income to assets | 0.8383% | 3,214 |
| Return on assets (ROA) | 0.8383% | 3,287 |
| Pretax return on assets | 1.1218% | 2,901 |
| Return on Equity (ROE) | 8.6141% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.8525% | 1,980 |
| Net charge-offs to loans | 0.0913% | 909 |
| Credit loss provision to net charge-offs | 233.9181% | 1,212 |
| Earnings coverage of net charge-offs (x) | 23.5789% | 1,772 |
| Efficiency ratio | 63.6331% | 2,621 |
| Assets per employee ($millions) | 6.6227% | 2,220 |
| Cash dividends to net income (ytd only)* | 20.4495% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3243% | 370 |
| Loan loss allowance to noncurrent loans | 67.4648% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0170% | 155 |
| Noncurrent loans to loans | 3.4452% | 150 |
| Net loans and leases to total assets | 56.5000% | 2,540 |
| Net loans and leases to deposits | 62.7732% | 2,800 |
| Net loans and leases to core deposits | 65.9460% | 2,827 |
| Total domestic deposits to total assets | 90.0064% | 955 |
| Equity capital to assets | 9.6269% | 3,022 |
| Core capital (leverage) ratio | 9.4161% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3235% | 986 |
| Memoranda: | ||
| Average total assets | $323,768,800 | 2,323 |
| Average earning assets | $303,304,400 | 2,318 |
| Average equity | $31,506,600 | 2,444 |
| Average total loans | $187,367,400 | 2,324 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 3,104 |
| Cost of funding earning assets | 0.4263% | 1,508 |
| Net interest margin | 2.9733% | 3,375 |
| Noninterest income to average assets | 0.6519% | 2,002 |
| Noninterest expense to average assets | 2.1495% | 3,222 |
| Loan and lease loss provision to assets | 0.1656% | 660 |
| Net operating income to assets | 0.8383% | 3,422 |
| Return on assets (ROA) | 0.8383% | 3,483 |
| Pretax return on assets | 1.1240% | 3,145 |
| Return on Equity (ROE) | 8.5905% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.4615% | 2,244 |
| Net charge-offs to loans | 0.0665% | 978 |
| Credit loss provision to net charge-offs | 430.1075% | 828 |
| Earnings coverage of net charge-offs (x) | 33.4839% | 1,467 |
| Efficiency ratio | 62.5000% | 2,612 |
| Assets per employee ($millions) | 7.4760% | 1,583 |
| Cash dividends to net income (ytd only)* | 13.1423% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4207% | 321 |
| Loan loss allowance to noncurrent loans | 61.6778% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.2566% | 151 |
| Noncurrent loans to loans | 3.9247% | 132 |
| Net loans and leases to total assets | 55.5013% | 2,787 |
| Net loans and leases to deposits | 61.8464% | 3,058 |
| Net loans and leases to core deposits | 65.0362% | 3,042 |
| Total domestic deposits to total assets | 89.7404% | 899 |
| Equity capital to assets | 9.7695% | 3,133 |
| Core capital (leverage) ratio | 9.5003% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7484% | 854 |
| Memoranda: | ||
| Average total assets | $321,927,750 | 2,360 |
| Average earning assets | $301,794,250 | 2,350 |
| Average equity | $31,413,750 | 2,480 |
| Average total loans | $186,323,750 | 2,371 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 3,106 |
| Cost of funding earning assets | 0.4628% | 1,432 |
| Net interest margin | 2.9602% | 3,423 |
| Noninterest income to average assets | 0.6458% | 2,016 |
| Noninterest expense to average assets | 2.1302% | 3,303 |
| Loan and lease loss provision to assets | 0.1877% | 601 |
| Net operating income to assets | 0.8211% | 3,445 |
| Return on assets (ROA) | 0.8211% | 3,514 |
| Pretax return on assets | 1.1058% | 3,194 |
| Return on Equity (ROE) | 8.4175% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.6027% | 2,220 |
| Net charge-offs to loans | 0.0172% | 1,602 |
| Credit loss provision to net charge-offs | 1,875.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 129.1875% | 647 |
| Efficiency ratio | 62.2190% | 2,696 |
| Assets per employee ($millions) | 5.8866% | 2,728 |
| Cash dividends to net income (ytd only)* | 9.6799% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4303% | 299 |
| Loan loss allowance to noncurrent loans | 66.0560% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 181 |
| Noncurrent loans to loans | 3.6791% | 168 |
| Net loans and leases to total assets | 55.8884% | 2,912 |
| Net loans and leases to deposits | 62.2296% | 3,176 |
| Net loans and leases to core deposits | 65.8621% | 3,122 |
| Total domestic deposits to total assets | 89.8101% | 866 |
| Equity capital to assets | 9.7445% | 3,101 |
| Core capital (leverage) ratio | 9.1409% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0492% | 951 |
| Memoranda: | ||
| Average total assets | $319,589,667 | 2,361 |
| Average earning assets | $299,914,000 | 2,350 |
| Average equity | $31,173,000 | 2,484 |
| Average total loans | $186,066,333 | 2,386 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4829% | 2,974 |
| Cost of funding earning assets | 0.5285% | 1,215 |
| Net interest margin | 2.9544% | 3,374 |
| Noninterest income to average assets | 0.8957% | 1,337 |
| Noninterest expense to average assets | 2.2362% | 2,984 |
| Loan and lease loss provision to assets | 0.1890% | 648 |
| Net operating income to assets | 0.9184% | 3,083 |
| Return on assets (ROA) | 0.9184% | 3,158 |
| Pretax return on assets | 1.2384% | 2,737 |
| Return on Equity (ROE) | 9.4110% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.9075% | 1,976 |
| Net charge-offs to loans | -0.0408% | 4,314 |
| Credit loss provision to net charge-offs | -789.4737% | 3,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0385% | 2,907 |
| Assets per employee ($millions) | 6.3711% | 2,280 |
| Cash dividends to net income (ytd only)* | 5.3498% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4081% | 301 |
| Loan loss allowance to noncurrent loans | 67.4344% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.1202% | 226 |
| Noncurrent loans to loans | 3.5711% | 179 |
| Net loans and leases to total assets | 54.7782% | 3,162 |
| Net loans and leases to deposits | 60.8420% | 3,426 |
| Net loans and leases to core deposits | 64.7996% | 3,337 |
| Total domestic deposits to total assets | 90.0335% | 800 |
| Equity capital to assets | 9.5052% | 3,203 |
| Core capital (leverage) ratio | 9.3356% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9639% | 932 |
| Memoranda: | ||
| Average total assets | $317,504,000 | 2,355 |
| Average earning assets | $297,451,000 | 2,352 |
| Average equity | $30,985,000 | 2,486 |
| Average total loans | $186,373,500 | 2,384 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 2,876 |
| Cost of funding earning assets | 0.8389% | 1,062 |
| Net interest margin | 3.1123% | 3,601 |
| Noninterest income to average assets | 0.7286% | 1,751 |
| Noninterest expense to average assets | 2.2311% | 3,590 |
| Loan and lease loss provision to assets | 0.4068% | 758 |
| Net operating income to assets | 0.7408% | 3,294 |
| Return on assets (ROA) | 0.7408% | 3,417 |
| Pretax return on assets | 0.9933% | 3,065 |
| Return on Equity (ROE) | 7.3174% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.8339% | 1,881 |
| Net charge-offs to loans | 0.3271% | 540 |
| Credit loss provision to net charge-offs | 187.2075% | 2,229 |
| Earnings coverage of net charge-offs (x) | 6.4431% | 2,783 |
| Efficiency ratio | 61.4415% | 3,234 |
| Assets per employee ($millions) | 5.8506% | 2,498 |
| Cash dividends to net income (ytd only)* | 20.2746% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 390 |
| Loan loss allowance to noncurrent loans | 64.3794% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 223 |
| Noncurrent loans to loans | 3.4449% | 208 |
| Net loans and leases to total assets | 60.0308% | 2,856 |
| Net loans and leases to deposits | 67.1317% | 3,170 |
| Net loans and leases to core deposits | 72.1651% | 3,060 |
| Total domestic deposits to total assets | 89.4224% | 798 |
| Equity capital to assets | 10.0248% | 3,114 |
| Core capital (leverage) ratio | 9.3548% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2755% | 1,006 |
| Memoranda: | ||
| Average total assets | $294,966,600 | 2,316 |
| Average earning assets | $275,106,400 | 2,320 |
| Average equity | $29,860,200 | 2,483 |
| Average total loans | $195,944,800 | 2,275 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 2,731 |
| Cost of funding earning assets | 0.8906% | 1,097 |
| Net interest margin | 3.1884% | 3,516 |
| Noninterest income to average assets | 0.6474% | 1,993 |
| Noninterest expense to average assets | 2.2510% | 3,550 |
| Loan and lease loss provision to assets | 0.4121% | 833 |
| Net operating income to assets | 0.7106% | 3,428 |
| Return on assets (ROA) | 0.7106% | 3,527 |
| Pretax return on assets | 0.9515% | 3,227 |
| Return on Equity (ROE) | 7.0017% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.0859% | 2,068 |
| Net charge-offs to loans | 0.2865% | 554 |
| Credit loss provision to net charge-offs | 212.2642% | 2,064 |
| Earnings coverage of net charge-offs (x) | 7.0236% | 2,606 |
| Efficiency ratio | 62.2751% | 3,024 |
| Assets per employee ($millions) | 5.5140% | 2,695 |
| Cash dividends to net income (ytd only)* | 13.0799% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 404 |
| Loan loss allowance to noncurrent loans | 59.1286% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.5100% | 218 |
| Noncurrent loans to loans | 3.5882% | 214 |
| Net loans and leases to total assets | 62.9613% | 2,893 |
| Net loans and leases to deposits | 70.5275% | 3,264 |
| Net loans and leases to core deposits | 75.6996% | 3,196 |
| Total domestic deposits to total assets | 89.2720% | 662 |
| Equity capital to assets | 10.1127% | 3,134 |
| Core capital (leverage) ratio | 9.4208% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9708% | 1,061 |
| Memoranda: | ||
| Average total assets | $291,188,000 | 2,320 |
| Average earning assets | $270,975,000 | 2,323 |
| Average equity | $29,554,000 | 2,495 |
| Average total loans | $197,339,500 | 2,257 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,536 |
| Cost of funding earning assets | 0.9358% | 1,211 |
| Net interest margin | 3.3393% | 3,272 |
| Noninterest income to average assets | 0.5641% | 2,286 |
| Noninterest expense to average assets | 2.2712% | 3,596 |
| Loan and lease loss provision to assets | 0.4179% | 945 |
| Net operating income to assets | 0.7355% | 3,261 |
| Return on assets (ROA) | 0.7355% | 3,379 |
| Pretax return on assets | 0.9841% | 3,074 |
| Return on Equity (ROE) | 7.2373% | 3,041 |
| Retained earnings to average equity (ytd only) | 6.1270% | 2,016 |
| Net charge-offs to loans | 0.3493% | 463 |
| Credit loss provision to net charge-offs | 173.4104% | 2,020 |
| Earnings coverage of net charge-offs (x) | 5.8179% | 2,485 |
| Efficiency ratio | 61.8316% | 3,153 |
| Assets per employee ($millions) | 5.4603% | 2,677 |
| Cash dividends to net income (ytd only)* | 15.3409% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 456 |
| Loan loss allowance to noncurrent loans | 58.6729% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.4757% | 229 |
| Noncurrent loans to loans | 3.3653% | 249 |
| Net loans and leases to total assets | 64.7526% | 2,783 |
| Net loans and leases to deposits | 72.4600% | 3,215 |
| Net loans and leases to core deposits | 77.6392% | 3,138 |
| Total domestic deposits to total assets | 89.3632% | 622 |
| Equity capital to assets | 10.0367% | 3,170 |
| Core capital (leverage) ratio | 9.4591% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4750% | 1,139 |
| Memoranda: | ||
| Average total assets | $287,160,000 | 2,329 |
| Average earning assets | $267,357,667 | 2,320 |
| Average equity | $29,182,333 | 2,508 |
| Average total loans | $198,091,667 | 2,236 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,938 |
| Cost of funding earning assets | 1.0112% | 1,374 |
| Net interest margin | 3.2840% | 3,630 |
| Noninterest income to average assets | 0.5503% | 2,282 |
| Noninterest expense to average assets | 2.3679% | 3,611 |
| Loan and lease loss provision to assets | 0.4277% | 708 |
| Net operating income to assets | 0.6030% | 3,586 |
| Return on assets (ROA) | 0.6030% | 3,645 |
| Pretax return on assets | 0.8012% | 3,412 |
| Return on Equity (ROE) | 5.8950% | 3,355 |
| Retained earnings to average equity (ytd only) | 4.3620% | 2,547 |
| Net charge-offs to loans | 0.0141% | 2,097 |
| Credit loss provision to net charge-offs | 4,285.7143% | 191 |
| Earnings coverage of net charge-offs (x) | 123.1429% | 504 |
| Efficiency ratio | 65.8343% | 2,993 |
| Assets per employee ($millions) | 5.4953% | 2,122 |
| Cash dividends to net income (ytd only)* | 26.0047% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 484 |
| Loan loss allowance to noncurrent loans | 42.3328% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 130 |
| Noncurrent loans to loans | 4.7705% | 139 |
| Net loans and leases to total assets | 67.1680% | 2,681 |
| Net loans and leases to deposits | 75.1661% | 3,155 |
| Net loans and leases to core deposits | 80.8434% | 3,122 |
| Total domestic deposits to total assets | 89.3594% | 529 |
| Equity capital to assets | 10.0579% | 3,723 |
| Core capital (leverage) ratio | 9.8639% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4526% | 1,243 |
| Memoranda: | ||
| Average total assets | $280,581,500 | 2,320 |
| Average earning assets | $260,289,000 | 2,323 |
| Average equity | $28,702,500 | 2,534 |
| Average total loans | $197,947,500 | 2,200 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 2,461 |
| Cost of funding earning assets | 0.9629% | 1,892 |
| Net interest margin | 3.6916% | 2,836 |
| Noninterest income to average assets | 0.4899% | 2,797 |
| Noninterest expense to average assets | 2.4063% | 3,676 |
| Loan and lease loss provision to assets | 0.3754% | 395 |
| Net operating income to assets | 0.8355% | 3,431 |
| Return on assets (ROA) | 0.8375% | 3,516 |
| Pretax return on assets | 1.1303% | 3,076 |
| Return on Equity (ROE) | 8.0861% | 3,132 |
| Retained earnings to average equity (ytd only) | 5.6469% | 2,062 |
| Net charge-offs to loans | 0.4003% | 485 |
| Credit loss provision to net charge-offs | 125.9446% | 2,027 |
| Earnings coverage of net charge-offs (x) | 5.0428% | 3,138 |
| Efficiency ratio | 61.5518% | 3,445 |
| Assets per employee ($millions) | 4.6679% | 2,991 |
| Cash dividends to net income (ytd only)* | 30.1658% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 626 |
| Loan loss allowance to noncurrent loans | 55.6602% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.6789% | 225 |
| Noncurrent loans to loans | 3.2905% | 258 |
| Net loans and leases to total assets | 71.2909% | 2,208 |
| Net loans and leases to deposits | 80.1182% | 2,767 |
| Net loans and leases to core deposits | 85.1752% | 2,857 |
| Total domestic deposits to total assets | 88.9821% | 678 |
| Equity capital to assets | 10.4079% | 3,537 |
| Core capital (leverage) ratio | 10.0918% | 3,420 |
| Tier 1 risk-based capital ratio | 15.7343% | 2,492 |
| Total risk-based capital ratio | 16.9954% | 2,424 |
| Memoranda: | ||
| Average total assets | $266,379,600 | 2,350 |
| Average earning assets | $246,752,000 | 2,359 |
| Average equity | $27,590,400 | 2,521 |
| Average total loans | $198,346,400 | 2,178 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 2,671 |
| Cost of funding earning assets | 0.9489% | 1,996 |
| Net interest margin | 3.6670% | 3,038 |
| Noninterest income to average assets | 0.4791% | 2,858 |
| Noninterest expense to average assets | 2.4392% | 3,590 |
| Loan and lease loss provision to assets | 0.2524% | 642 |
| Net operating income to assets | 0.8746% | 3,433 |
| Return on assets (ROA) | 0.8773% | 3,503 |
| Pretax return on assets | 1.1873% | 3,018 |
| Return on Equity (ROE) | 8.4814% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,258 |
| Net charge-offs to loans | 0.3772% | 444 |
| Credit loss provision to net charge-offs | 89.2857% | 2,403 |
| Earnings coverage of net charge-offs (x) | 5.0803% | 2,954 |
| Efficiency ratio | 62.9413% | 3,174 |
| Assets per employee ($millions) | 4.7904% | 2,805 |
| Cash dividends to net income (ytd only)* | 26.4672% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 796 |
| Loan loss allowance to noncurrent loans | 51.3293% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 214 |
| Noncurrent loans to loans | 3.3404% | 258 |
| Net loans and leases to total assets | 73.9296% | 1,832 |
| Net loans and leases to deposits | 83.3196% | 2,528 |
| Net loans and leases to core deposits | 88.6389% | 2,671 |
| Total domestic deposits to total assets | 88.7301% | 724 |
| Equity capital to assets | 10.7370% | 3,348 |
| Core capital (leverage) ratio | 10.2231% | 3,395 |
| Tier 1 risk-based capital ratio | 15.8190% | 2,508 |
| Total risk-based capital ratio | 17.0784% | 2,440 |
| Memoranda: | ||
| Average total assets | $264,122,750 | 2,382 |
| Average earning assets | $244,627,250 | 2,389 |
| Average equity | $27,322,000 | 2,553 |
| Average total loans | $197,932,250 | 2,199 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 2,958 |
| Cost of funding earning assets | 0.9190% | 2,058 |
| Net interest margin | 3.5999% | 3,255 |
| Noninterest income to average assets | 0.4789% | 2,792 |
| Noninterest expense to average assets | 2.4279% | 3,665 |
| Loan and lease loss provision to assets | 0.2270% | 724 |
| Net operating income to assets | 0.8576% | 3,442 |
| Return on assets (ROA) | 0.8618% | 3,488 |
| Pretax return on assets | 1.1667% | 3,020 |
| Return on Equity (ROE) | 8.4371% | 3,099 |
| Retained earnings to average equity (ytd only) | 6.6371% | 1,985 |
| Net charge-offs to loans | 0.3710% | 447 |
| Credit loss provision to net charge-offs | 81.7439% | 2,211 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,694 |
| Efficiency ratio | 63.6201% | 3,196 |
| Assets per employee ($millions) | 4.6061% | 2,996 |
| Cash dividends to net income (ytd only)* | 21.3345% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 844 |
| Loan loss allowance to noncurrent loans | 46.1675% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 3.0265% | 195 |
| Noncurrent loans to loans | 3.6554% | 214 |
| Net loans and leases to total assets | 75.2422% | 1,678 |
| Net loans and leases to deposits | 84.6138% | 2,418 |
| Net loans and leases to core deposits | 89.9802% | 2,605 |
| Total domestic deposits to total assets | 88.9243% | 690 |
| Equity capital to assets | 10.5935% | 3,443 |
| Core capital (leverage) ratio | 9.9738% | 3,606 |
| Tier 1 risk-based capital ratio | 15.0625% | 2,810 |
| Total risk-based capital ratio | 16.3207% | 2,725 |
| Memoranda: | ||
| Average total assets | $264,340,000 | 2,390 |
| Average earning assets | $245,059,670 | 2,387 |
| Average equity | $26,999,670 | 2,567 |
| Average total loans | $197,849,330 | 2,205 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 3,533 |
| Cost of funding earning assets | 0.8943% | 2,031 |
| Net interest margin | 3.4128% | 3,853 |
| Noninterest income to average assets | 0.4298% | 2,980 |
| Noninterest expense to average assets | 2.4250% | 3,701 |
| Loan and lease loss provision to assets | 0.2262% | 683 |
| Net operating income to assets | 0.6964% | 3,950 |
| Return on assets (ROA) | 0.6952% | 3,993 |
| Pretax return on assets | 0.9365% | 3,651 |
| Return on Equity (ROE) | 6.9342% | 3,708 |
| Retained earnings to average equity (ytd only) | 5.8361% | 2,530 |
| Net charge-offs to loans | -0.0204% | 4,494 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5630% | 2,700 |
| Assets per employee ($millions) | 4.7596% | 2,836 |
| Cash dividends to net income (ytd only)* | 15.8351% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 640 |
| Loan loss allowance to noncurrent loans | 52.8947% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.8161% | 235 |
| Noncurrent loans to loans | 3.5050% | 259 |
| Net loans and leases to total assets | 71.8597% | 2,190 |
| Net loans and leases to deposits | 80.3602% | 2,796 |
| Net loans and leases to core deposits | 84.6981% | 2,972 |
| Total domestic deposits to total assets | 89.4221% | 681 |
| Equity capital to assets | 10.0966% | 3,725 |
| Core capital (leverage) ratio | 9.8526% | 3,762 |
| Tier 1 risk-based capital ratio | 15.4087% | 2,697 |
| Total risk-based capital ratio | 16.6697% | 2,602 |
| Memoranda: | ||
| Average total assets | $265,236,000 | 2,399 |
| Average earning assets | $245,543,000 | 2,413 |
| Average equity | $26,593,000 | 2,602 |
| Average total loans | $196,305,000 | 2,234 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 2,510 |
| Cost of funding earning assets | 0.6753% | 2,239 |
| Net interest margin | 3.8070% | 2,637 |
| Noninterest income to average assets | 0.5064% | 2,801 |
| Noninterest expense to average assets | 2.4620% | 3,722 |
| Loan and lease loss provision to assets | 0.4782% | 255 |
| Net operating income to assets | 0.7995% | 3,810 |
| Return on assets (ROA) | 0.7995% | 3,811 |
| Pretax return on assets | 1.0837% | 3,334 |
| Return on Equity (ROE) | 7.9564% | 3,459 |
| Retained earnings to average equity (ytd only) | 2.3489% | 4,209 |
| Net charge-offs to loans | 0.1890% | 1,013 |
| Credit loss provision to net charge-offs | 335.1351% | 929 |
| Earnings coverage of net charge-offs (x) | 10.9459% | 2,669 |
| Efficiency ratio | 61.1846% | 3,663 |
| Assets per employee ($millions) | 4.4735% | 3,209 |
| Cash dividends to net income (ytd only)* | 70.4776% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 752 |
| Loan loss allowance to noncurrent loans | 106.4020% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 785 |
| Noncurrent loans to loans | 1.6454% | 887 |
| Net loans and leases to total assets | 73.5038% | 2,012 |
| Net loans and leases to deposits | 82.0024% | 2,731 |
| Net loans and leases to core deposits | 86.0461% | 2,912 |
| Total domestic deposits to total assets | 89.6361% | 608 |
| Equity capital to assets | 9.9551% | 3,723 |
| Core capital (leverage) ratio | 9.8341% | 3,764 |
| Tier 1 risk-based capital ratio | 15.1335% | 2,763 |
| Total risk-based capital ratio | 16.3931% | 2,696 |
| Memoranda: | ||
| Average total assets | $259,296,800 | 2,409 |
| Average earning assets | $239,583,400 | 2,412 |
| Average equity | $26,054,400 | 2,566 |
| Average total loans | $195,809,200 | 2,205 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 2,516 |
| Cost of funding earning assets | 0.6114% | 2,395 |
| Net interest margin | 3.8238% | 2,551 |
| Noninterest income to average assets | 0.4359% | 3,246 |
| Noninterest expense to average assets | 2.5102% | 3,557 |
| Loan and lease loss provision to assets | 0.1704% | 1,096 |
| Net operating income to assets | 0.9499% | 3,306 |
| Return on assets (ROA) | 0.9499% | 3,319 |
| Pretax return on assets | 1.2892% | 2,666 |
| Return on Equity (ROE) | 9.4308% | 2,885 |
| Retained earnings to average equity (ytd only) | 4.3385% | 3,587 |
| Net charge-offs to loans | 0.1412% | 1,156 |
| Credit loss provision to net charge-offs | 159.4203% | 1,631 |
| Earnings coverage of net charge-offs (x) | 13.6523% | 2,335 |
| Efficiency ratio | 63.2319% | 3,296 |
| Assets per employee ($millions) | 4.2944% | 3,428 |
| Cash dividends to net income (ytd only)* | 53.9968% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,820 |
| Loan loss allowance to noncurrent loans | 172.7852% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 1,404 |
| Noncurrent loans to loans | 0.7927% | 2,124 |
| Net loans and leases to total assets | 75.7628% | 1,694 |
| Net loans and leases to deposits | 84.7410% | 2,510 |
| Net loans and leases to core deposits | 88.8393% | 2,761 |
| Total domestic deposits to total assets | 89.4051% | 702 |
| Equity capital to assets | 10.1509% | 3,493 |
| Core capital (leverage) ratio | 10.1460% | 3,474 |
| Tier 1 risk-based capital ratio | 15.2189% | 2,778 |
| Total risk-based capital ratio | 16.4735% | 2,698 |
| Memoranda: | ||
| Average total assets | $258,137,000 | 2,428 |
| Average earning assets | $238,570,500 | 2,436 |
| Average equity | $25,999,250 | 2,583 |
| Average total loans | $195,396,500 | 2,214 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,669 |
| Cost of funding earning assets | 0.5374% | 2,715 |
| Net interest margin | 3.7920% | 2,587 |
| Noninterest income to average assets | 0.4189% | 3,360 |
| Noninterest expense to average assets | 2.4507% | 3,775 |
| Loan and lease loss provision to assets | 0.1394% | 1,401 |
| Net operating income to assets | 0.9810% | 3,102 |
| Return on assets (ROA) | 0.9810% | 3,108 |
| Pretax return on assets | 1.3310% | 2,389 |
| Return on Equity (ROE) | 9.7659% | 2,678 |
| Retained earnings to average equity (ytd only) | 4.1700% | 3,527 |
| Net charge-offs to loans | -0.0360% | 4,804 |
| Credit loss provision to net charge-offs | -514.2857% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,561 |
| Assets per employee ($millions) | 4.5293% | 3,090 |
| Cash dividends to net income (ytd only)* | 57.3007% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,587 |
| Loan loss allowance to noncurrent loans | 152.8353% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 1,087 |
| Noncurrent loans to loans | 0.9440% | 1,843 |
| Net loans and leases to total assets | 75.4929% | 1,715 |
| Net loans and leases to deposits | 84.5600% | 2,470 |
| Net loans and leases to core deposits | 87.0978% | 2,811 |
| Total domestic deposits to total assets | 89.2774% | 825 |
| Equity capital to assets | 10.2692% | 3,370 |
| Core capital (leverage) ratio | 9.9535% | 3,628 |
| Tier 1 risk-based capital ratio | 15.2819% | 2,739 |
| Total risk-based capital ratio | 16.5370% | 2,664 |
| Memoranda: | ||
| Average total assets | $258,295,330 | 2,436 |
| Average earning assets | $238,556,000 | 2,444 |
| Average equity | $25,947,330 | 2,593 |
| Average total loans | $194,554,330 | 2,231 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 3,005 |
| Cost of funding earning assets | 0.5207% | 2,628 |
| Net interest margin | 3.6466% | 3,000 |
| Noninterest income to average assets | 0.4129% | 3,372 |
| Noninterest expense to average assets | 2.3467% | 4,070 |
| Loan and lease loss provision to assets | 0.0460% | 2,845 |
| Net operating income to assets | 1.0176% | 2,790 |
| Return on assets (ROA) | 1.0176% | 2,810 |
| Pretax return on assets | 1.3844% | 2,066 |
| Return on Equity (ROE) | 10.2404% | 2,314 |
| Retained earnings to average equity (ytd only) | 4.6954% | 3,312 |
| Net charge-offs to loans | 0.0575% | 1,529 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 33.2857% | 1,180 |
| Efficiency ratio | 62.1292% | 3,758 |
| Assets per employee ($millions) | 4.6735% | 2,894 |
| Cash dividends to net income (ytd only)* | 54.1478% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,074 |
| Loan loss allowance to noncurrent loans | 38.7227% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.8603% | 288 |
| Noncurrent loans to loans | 3.4512% | 306 |
| Net loans and leases to total assets | 73.0324% | 2,020 |
| Net loans and leases to deposits | 81.6258% | 2,627 |
| Net loans and leases to core deposits | 84.2694% | 2,953 |
| Total domestic deposits to total assets | 89.4723% | 902 |
| Equity capital to assets | 9.8870% | 3,711 |
| Core capital (leverage) ratio | 9.8775% | 3,681 |
| Tier 1 risk-based capital ratio | 14.8986% | 2,923 |
| Total risk-based capital ratio | 16.1530% | 2,848 |
| Memoranda: | ||
| Average total assets | $260,622,500 | 2,441 |
| Average earning assets | $240,441,500 | 2,444 |
| Average equity | $25,897,500 | 2,624 |
| Average total loans | $194,689,500 | 2,234 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 2,646 |
| Cost of funding earning assets | 0.5259% | 2,128 |
| Net interest margin | 3.6856% | 2,854 |
| Noninterest income to average assets | 0.4112% | 3,558 |
| Noninterest expense to average assets | 2.4802% | 3,850 |
| Loan and lease loss provision to assets | 0.1859% | 1,143 |
| Net operating income to assets | 0.7954% | 3,185 |
| Return on assets (ROA) | 0.7954% | 3,226 |
| Pretax return on assets | 1.1509% | 2,980 |
| Return on Equity (ROE) | 8.0662% | 2,768 |
| Retained earnings to average equity (ytd only) | 4.8892% | 2,198 |
| Net charge-offs to loans | -0.0695% | 5,273 |
| Credit loss provision to net charge-offs | -355.5556% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9792% | 3,451 |
| Assets per employee ($millions) | 4.7187% | 2,840 |
| Cash dividends to net income (ytd only)* | 39.3866% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,104 |
| Loan loss allowance to noncurrent loans | 47.1660% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 397 |
| Noncurrent loans to loans | 2.8045% | 422 |
| Net loans and leases to total assets | 74.3903% | 1,857 |
| Net loans and leases to deposits | 83.1537% | 2,590 |
| Net loans and leases to core deposits | 85.7741% | 2,926 |
| Total domestic deposits to total assets | 89.4612% | 793 |
| Equity capital to assets | 9.9870% | 3,725 |
| Core capital (leverage) ratio | 9.7331% | 3,765 |
| Tier 1 risk-based capital ratio | 14.5844% | 3,050 |
| Total risk-based capital ratio | 16.3775% | 2,718 |
| Memoranda: | ||
| Average total assets | $258,240,400 | 2,431 |
| Average earning assets | $238,633,400 | 2,435 |
| Average equity | $25,464,200 | 2,644 |
| Average total loans | $194,340,200 | 2,205 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 2,632 |
| Cost of funding earning assets | 0.5241% | 2,078 |
| Net interest margin | 3.6726% | 2,850 |
| Noninterest income to average assets | 0.4208% | 3,556 |
| Noninterest expense to average assets | 2.4395% | 3,917 |
| Loan and lease loss provision to assets | 0.1241% | 1,742 |
| Net operating income to assets | 0.7873% | 3,573 |
| Return on assets (ROA) | 0.7873% | 3,629 |
| Pretax return on assets | 1.2515% | 2,696 |
| Return on Equity (ROE) | 8.0102% | 3,120 |
| Retained earnings to average equity (ytd only) | 5.3489% | 2,645 |
| Net charge-offs to loans | -0.4398% | 5,646 |
| Credit loss provision to net charge-offs | -37.5000% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9431% | 3,555 |
| Assets per employee ($millions) | 4.5823% | 2,996 |
| Cash dividends to net income (ytd only)* | 33.2238% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,679 |
| Loan loss allowance to noncurrent loans | 49.1219% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.4758% | 437 |
| Noncurrent loans to loans | 2.9684% | 435 |
| Net loans and leases to total assets | 75.1372% | 1,735 |
| Net loans and leases to deposits | 84.2873% | 2,529 |
| Net loans and leases to core deposits | 87.4885% | 2,824 |
| Total domestic deposits to total assets | 89.1441% | 807 |
| Equity capital to assets | 10.0640% | 3,837 |
| Core capital (leverage) ratio | 9.7026% | 3,932 |
| Tier 1 risk-based capital ratio | 14.4431% | 3,215 |
| Total risk-based capital ratio | 15.6982% | 3,126 |
| Memoranda: | ||
| Average total assets | $257,918,750 | 2,449 |
| Average earning assets | $238,374,250 | 2,455 |
| Average equity | $25,350,500 | 2,673 |
| Average total loans | $194,012,500 | 2,220 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,716 |
| Cost of funding earning assets | 0.5183% | 2,029 |
| Net interest margin | 3.6190% | 2,953 |
| Noninterest income to average assets | 0.4211% | 3,551 |
| Noninterest expense to average assets | 2.4346% | 3,956 |
| Loan and lease loss provision to assets | 0.1393% | 1,478 |
| Net operating income to assets | 0.7563% | 3,605 |
| Return on assets (ROA) | 0.7563% | 3,656 |
| Pretax return on assets | 1.1983% | 2,778 |
| Return on Equity (ROE) | 7.7563% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.9704% | 1,608 |
| Net charge-offs to loans | -0.6130% | 5,706 |
| Credit loss provision to net charge-offs | -30.3541% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5393% | 3,586 |
| Assets per employee ($millions) | 4.4943% | 3,116 |
| Cash dividends to net income (ytd only)* | 10.1331% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,906 |
| Loan loss allowance to noncurrent loans | 43.0205% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 2.6494% | 385 |
| Noncurrent loans to loans | 3.2792% | 370 |
| Net loans and leases to total assets | 74.9122% | 1,709 |
| Net loans and leases to deposits | 83.8875% | 2,494 |
| Net loans and leases to core deposits | 86.7047% | 2,817 |
| Total domestic deposits to total assets | 89.3007% | 807 |
| Equity capital to assets | 10.0458% | 3,856 |
| Core capital (leverage) ratio | 9.5584% | 4,063 |
| Tier 1 risk-based capital ratio | 14.5394% | 3,143 |
| Total risk-based capital ratio | 15.7941% | 3,063 |
| Memoranda: | ||
| Average total assets | $258,355,670 | 2,451 |
| Average earning assets | $239,236,330 | 2,453 |
| Average equity | $25,192,330 | 2,691 |
| Average total loans | $193,463,000 | 2,226 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 2,835 |
| Cost of funding earning assets | 0.5165% | 1,960 |
| Net interest margin | 3.5374% | 3,135 |
| Noninterest income to average assets | 0.4116% | 3,582 |
| Noninterest expense to average assets | 2.3943% | 4,130 |
| Loan and lease loss provision to assets | 0.1388% | 1,368 |
| Net operating income to assets | 0.7262% | 3,585 |
| Return on assets (ROA) | 0.7262% | 3,633 |
| Pretax return on assets | 1.1517% | 2,771 |
| Return on Equity (ROE) | 7.5599% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.7895% | 1,935 |
| Net charge-offs to loans | -1.4995% | 5,796 |
| Credit loss provision to net charge-offs | -12.4481% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9791% | 3,666 |
| Assets per employee ($millions) | 4.3755% | 3,379 |
| Cash dividends to net income (ytd only)* | 10.1911% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 1,930 |
| Loan loss allowance to noncurrent loans | 45.8827% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.4668% | 471 |
| Noncurrent loans to loans | 3.1251% | 425 |
| Net loans and leases to total assets | 72.9480% | 1,925 |
| Net loans and leases to deposits | 81.2734% | 2,594 |
| Net loans and leases to core deposits | 83.9158% | 2,906 |
| Total domestic deposits to total assets | 89.7563% | 772 |
| Equity capital to assets | 9.5753% | 4,208 |
| Core capital (leverage) ratio | 9.4296% | 4,201 |
| Tier 1 risk-based capital ratio | 14.1375% | 3,391 |
| Total risk-based capital ratio | 15.3921% | 3,312 |
| Memoranda: | ||
| Average total assets | $259,445,500 | 2,469 |
| Average earning assets | $240,060,500 | 2,471 |
| Average equity | $24,921,000 | 2,718 |
| Average total loans | $192,868,000 | 2,240 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 2,632 |
| Cost of funding earning assets | 0.5421% | 1,774 |
| Net interest margin | 3.6167% | 3,011 |
| Noninterest income to average assets | 0.4375% | 3,633 |
| Noninterest expense to average assets | 2.4412% | 4,186 |
| Loan and lease loss provision to assets | 0.3433% | 502 |
| Net operating income to assets | 0.6412% | 4,037 |
| Return on assets (ROA) | 0.6583% | 4,080 |
| Pretax return on assets | 1.0411% | 3,324 |
| Return on Equity (ROE) | 6.6197% | 3,681 |
| Retained earnings to average equity (ytd only) | 1.8667% | 4,472 |
| Net charge-offs to loans | 0.8758% | 219 |
| Credit loss provision to net charge-offs | 52.3433% | 3,350 |
| Earnings coverage of net charge-offs (x) | 2.0700% | 3,889 |
| Efficiency ratio | 64.2602% | 3,893 |
| Assets per employee ($millions) | 4.4200% | 3,237 |
| Cash dividends to net income (ytd only)* | 71.8011% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,136 |
| Loan loss allowance to noncurrent loans | 27.2627% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.9919% | 341 |
| Noncurrent loans to loans | 3.7803% | 295 |
| Net loans and leases to total assets | 73.9062% | 1,865 |
| Net loans and leases to deposits | 82.2842% | 2,635 |
| Net loans and leases to core deposits | 85.0168% | 2,927 |
| Total domestic deposits to total assets | 89.8182% | 716 |
| Equity capital to assets | 9.6364% | 4,133 |
| Core capital (leverage) ratio | 9.4637% | 4,131 |
| Tier 1 risk-based capital ratio | 14.0444% | 3,443 |
| Total risk-based capital ratio | 15.2107% | 3,400 |
| Memoranda: | ||
| Average total assets | $250,494,000 | 2,504 |
| Average earning assets | $232,808,600 | 2,492 |
| Average equity | $24,910,600 | 2,733 |
| Average total loans | $187,609,200 | 2,235 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 2,439 |
| Cost of funding earning assets | 0.5447% | 1,751 |
| Net interest margin | 3.6792% | 2,793 |
| Noninterest income to average assets | 0.4401% | 3,633 |
| Noninterest expense to average assets | 2.4811% | 4,041 |
| Loan and lease loss provision to assets | 0.1446% | 1,620 |
| Net operating income to assets | 0.7716% | 3,503 |
| Return on assets (ROA) | 0.7945% | 3,533 |
| Pretax return on assets | 1.2716% | 2,536 |
| Return on Equity (ROE) | 7.9264% | 3,050 |
| Retained earnings to average equity (ytd only) | 3.4665% | 3,819 |
| Net charge-offs to loans | 0.5986% | 347 |
| Credit loss provision to net charge-offs | 32.2196% | 3,209 |
| Earnings coverage of net charge-offs (x) | 3.0764% | 3,470 |
| Efficiency ratio | 64.2540% | 3,891 |
| Assets per employee ($millions) | 4.2512% | 3,504 |
| Cash dividends to net income (ytd only)* | 56.2670% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,645 |
| Loan loss allowance to noncurrent loans | 38.8465% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.5076% | 542 |
| Noncurrent loans to loans | 2.9218% | 529 |
| Net loans and leases to total assets | 77.3312% | 1,301 |
| Net loans and leases to deposits | 87.2602% | 2,111 |
| Net loans and leases to core deposits | 89.6631% | 2,604 |
| Total domestic deposits to total assets | 88.6214% | 1,095 |
| Equity capital to assets | 10.2783% | 3,830 |
| Core capital (leverage) ratio | 9.6922% | 3,945 |
| Tier 1 risk-based capital ratio | 14.0511% | 3,537 |
| Total risk-based capital ratio | 15.3016% | 3,455 |
| Memoranda: | ||
| Average total assets | $249,027,500 | 2,521 |
| Average earning assets | $231,567,000 | 2,514 |
| Average equity | $24,962,250 | 2,742 |
| Average total loans | $186,651,750 | 2,245 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,537 |
| Cost of funding earning assets | 0.5454% | 1,734 |
| Net interest margin | 3.6460% | 2,912 |
| Noninterest income to average assets | 0.4010% | 3,864 |
| Noninterest expense to average assets | 2.4471% | 4,197 |
| Loan and lease loss provision to assets | 0.1441% | 1,588 |
| Net operating income to assets | 0.7470% | 3,563 |
| Return on assets (ROA) | 0.7813% | 3,539 |
| Pretax return on assets | 1.2456% | 2,618 |
| Return on Equity (ROE) | 7.8598% | 3,056 |
| Retained earnings to average equity (ytd only) | 3.1165% | 3,923 |
| Net charge-offs to loans | 0.3056% | 777 |
| Credit loss provision to net charge-offs | 63.8298% | 2,534 |
| Earnings coverage of net charge-offs (x) | 5.9184% | 2,800 |
| Efficiency ratio | 64.6847% | 3,903 |
| Assets per employee ($millions) | 4.3255% | 3,326 |
| Cash dividends to net income (ytd only)* | 60.3484% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 2,273 |
| Loan loss allowance to noncurrent loans | 28.8995% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 4.0567% | 214 |
| Noncurrent loans to loans | 4.8630% | 187 |
| Net loans and leases to total assets | 75.5455% | 1,560 |
| Net loans and leases to deposits | 84.8261% | 2,368 |
| Net loans and leases to core deposits | 86.9749% | 2,820 |
| Total domestic deposits to total assets | 89.0593% | 890 |
| Equity capital to assets | 10.2005% | 3,977 |
| Core capital (leverage) ratio | 9.5249% | 4,174 |
| Tier 1 risk-based capital ratio | 13.5675% | 3,857 |
| Total risk-based capital ratio | 14.8211% | 3,776 |
| Memoranda: | ||
| Average total assets | $249,847,330 | 2,532 |
| Average earning assets | $231,761,670 | 2,519 |
| Average equity | $24,835,330 | 2,759 |
| Average total loans | $184,581,330 | 2,268 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,794 |
| Cost of funding earning assets | 0.5480% | 1,733 |
| Net interest margin | 3.5682% | 3,212 |
| Noninterest income to average assets | 0.4469% | 3,510 |
| Noninterest expense to average assets | 2.3396% | 4,552 |
| Loan and lease loss provision to assets | 0.1431% | 1,472 |
| Net operating income to assets | 0.8032% | 3,228 |
| Return on assets (ROA) | 0.8032% | 3,344 |
| Pretax return on assets | 1.2676% | 2,435 |
| Return on Equity (ROE) | 8.1854% | 2,811 |
| Retained earnings to average equity (ytd only) | 4.2143% | 3,367 |
| Net charge-offs to loans | 0.4561% | 497 |
| Credit loss provision to net charge-offs | 43.2692% | 2,118 |
| Earnings coverage of net charge-offs (x) | 4.2644% | 2,451 |
| Efficiency ratio | 62.3834% | 4,390 |
| Assets per employee ($millions) | 4.2475% | 3,500 |
| Cash dividends to net income (ytd only)* | 48.5149% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 2,197 |
| Loan loss allowance to noncurrent loans | 46.7565% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.4992% | 592 |
| Noncurrent loans to loans | 3.1027% | 511 |
| Net loans and leases to total assets | 71.5080% | 2,111 |
| Net loans and leases to deposits | 79.9702% | 2,791 |
| Net loans and leases to core deposits | 81.8543% | 3,140 |
| Total domestic deposits to total assets | 89.4184% | 881 |
| Equity capital to assets | 9.9336% | 4,170 |
| Core capital (leverage) ratio | 9.3509% | 4,427 |
| Tier 1 risk-based capital ratio | 14.5060% | 3,392 |
| Total risk-based capital ratio | 15.7605% | 3,324 |
| Memoranda: | ||
| Average total assets | $251,493,000 | 2,529 |
| Average earning assets | $232,834,000 | 2,522 |
| Average equity | $24,678,000 | 2,773 |
| Average total loans | $182,413,500 | 2,286 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 2,783 |
| Cost of funding earning assets | 0.5621% | 1,658 |
| Net interest margin | 3.5746% | 3,227 |
| Noninterest income to average assets | 0.4387% | 3,755 |
| Noninterest expense to average assets | 2.3639% | 4,603 |
| Loan and lease loss provision to assets | 0.1514% | 1,556 |
| Net operating income to assets | 0.7897% | 3,378 |
| Return on assets (ROA) | 0.7897% | 3,460 |
| Pretax return on assets | 1.2347% | 2,524 |
| Return on Equity (ROE) | 8.0824% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.1051% | 5,076 |
| Net charge-offs to loans | 0.3006% | 1,004 |
| Credit loss provision to net charge-offs | 71.2946% | 3,105 |
| Earnings coverage of net charge-offs (x) | 6.5272% | 3,209 |
| Efficiency ratio | 63.0365% | 4,434 |
| Assets per employee ($millions) | 4.3514% | 3,303 |
| Cash dividends to net income (ytd only)* | 86.3269% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,975 |
| Loan loss allowance to noncurrent loans | 49.1178% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.4241% | 649 |
| Noncurrent loans to loans | 3.0663% | 513 |
| Net loans and leases to total assets | 71.4120% | 2,146 |
| Net loans and leases to deposits | 79.6355% | 2,866 |
| Net loans and leases to core deposits | 81.3009% | 3,218 |
| Total domestic deposits to total assets | 89.6736% | 768 |
| Equity capital to assets | 9.6925% | 4,314 |
| Core capital (leverage) ratio | 9.3361% | 4,417 |
| Tier 1 risk-based capital ratio | 14.1888% | 3,611 |
| Total risk-based capital ratio | 15.4442% | 3,526 |
| Memoranda: | ||
| Average total assets | $250,987,600 | 2,495 |
| Average earning assets | $232,503,600 | 2,487 |
| Average equity | $24,522,400 | 2,733 |
| Average total loans | $177,339,000 | 2,269 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,940 |
| Cost of funding earning assets | 0.5632% | 1,687 |
| Net interest margin | 3.5357% | 3,403 |
| Noninterest income to average assets | 0.4373% | 3,818 |
| Noninterest expense to average assets | 2.4279% | 4,424 |
| Loan and lease loss provision to assets | 0.0718% | 2,740 |
| Net operating income to assets | 0.7783% | 3,534 |
| Return on assets (ROA) | 0.7783% | 3,622 |
| Pretax return on assets | 1.2134% | 2,761 |
| Return on Equity (ROE) | 7.9495% | 3,101 |
| Retained earnings to average equity (ytd only) | 1.3204% | 5,190 |
| Net charge-offs to loans | 0.1023% | 2,114 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 17.8958% | 2,035 |
| Efficiency ratio | 65.3868% | 3,992 |
| Assets per employee ($millions) | 4.3544% | 3,240 |
| Cash dividends to net income (ytd only)* | 83.3904% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,693 |
| Loan loss allowance to noncurrent loans | 53.9703% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.2615% | 822 |
| Noncurrent loans to loans | 3.0120% | 583 |
| Net loans and leases to total assets | 70.9265% | 2,248 |
| Net loans and leases to deposits | 79.1989% | 2,967 |
| Net loans and leases to core deposits | 80.9905% | 3,341 |
| Total domestic deposits to total assets | 89.5549% | 752 |
| Equity capital to assets | 9.9024% | 4,282 |
| Core capital (leverage) ratio | 9.2893% | 4,598 |
| Tier 1 risk-based capital ratio | 14.6513% | 3,467 |
| Total risk-based capital ratio | 15.9083% | 3,399 |
| Memoranda: | ||
| Average total assets | $250,639,000 | 2,522 |
| Average earning assets | $232,218,500 | 2,505 |
| Average equity | $24,537,500 | 2,752 |
| Average total loans | $175,927,000 | 2,290 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 2,926 |
| Cost of funding earning assets | 0.5616% | 1,717 |
| Net interest margin | 3.5302% | 3,378 |
| Noninterest income to average assets | 0.4239% | 3,896 |
| Noninterest expense to average assets | 2.4005% | 4,546 |
| Loan and lease loss provision to assets | 0.0716% | 2,681 |
| Net operating income to assets | 0.7827% | 3,477 |
| Return on assets (ROA) | 0.7827% | 3,581 |
| Pretax return on assets | 1.2217% | 2,691 |
| Return on Equity (ROE) | 8.0248% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.8951% | 4,198 |
| Net charge-offs to loans | 0.0697% | 2,398 |
| Credit loss provision to net charge-offs | 147.5410% | 1,554 |
| Earnings coverage of net charge-offs (x) | 26.6557% | 1,475 |
| Efficiency ratio | 64.9871% | 4,194 |
| Assets per employee ($millions) | 4.5277% | 2,941 |
| Cash dividends to net income (ytd only)* | 63.9228% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 1,657 |
| Loan loss allowance to noncurrent loans | 62.1799% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1147% | 1,015 |
| Noncurrent loans to loans | 2.7019% | 797 |
| Net loans and leases to total assets | 69.0450% | 2,477 |
| Net loans and leases to deposits | 77.0518% | 3,153 |
| Net loans and leases to core deposits | 78.8732% | 3,497 |
| Total domestic deposits to total assets | 89.6086% | 839 |
| Equity capital to assets | 9.8513% | 4,218 |
| Core capital (leverage) ratio | 9.2635% | 4,602 |
| Tier 1 risk-based capital ratio | 14.8576% | 3,441 |
| Total risk-based capital ratio | 16.1147% | 3,368 |
| Memoranda: | ||
| Average total assets | $251,451,330 | 2,539 |
| Average earning assets | $232,901,670 | 2,517 |
| Average equity | $24,524,000 | 2,767 |
| Average total loans | $174,919,330 | 2,314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 2,914 |
| Cost of funding earning assets | 0.5614% | 1,736 |
| Net interest margin | 3.5193% | 3,348 |
| Noninterest income to average assets | 0.4211% | 3,835 |
| Noninterest expense to average assets | 2.4127% | 4,559 |
| Loan and lease loss provision to assets | 0.0712% | 2,518 |
| Net operating income to assets | 0.7615% | 3,474 |
| Return on assets (ROA) | 0.7615% | 3,613 |
| Pretax return on assets | 1.1921% | 2,702 |
| Return on Equity (ROE) | 7.8467% | 3,039 |
| Retained earnings to average equity (ytd only) | 3.1321% | 4,102 |
| Net charge-offs to loans | -0.0274% | 5,199 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6331% | 4,219 |
| Assets per employee ($millions) | 4.5373% | 2,989 |
| Cash dividends to net income (ytd only)* | 60.0832% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 1,744 |
| Loan loss allowance to noncurrent loans | 67.4244% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.9056% | 1,272 |
| Noncurrent loans to loans | 2.5181% | 960 |
| Net loans and leases to total assets | 67.5860% | 2,516 |
| Net loans and leases to deposits | 75.3219% | 3,131 |
| Net loans and leases to core deposits | 77.4457% | 3,432 |
| Total domestic deposits to total assets | 89.7295% | 883 |
| Equity capital to assets | 9.7155% | 4,483 |
| Core capital (leverage) ratio | 9.1829% | 4,740 |
| Tier 1 risk-based capital ratio | 14.9267% | 3,470 |
| Total risk-based capital ratio | 16.1844% | 3,400 |
| Memoranda: | ||
| Average total assets | $252,665,500 | 2,539 |
| Average earning assets | $233,685,500 | 2,523 |
| Average equity | $24,520,000 | 2,786 |
| Average total loans | $174,941,000 | 2,319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 3,410 |
| Cost of funding earning assets | 0.5966% | 1,786 |
| Net interest margin | 3.4811% | 3,866 |
| Noninterest income to average assets | 0.4896% | 3,587 |
| Noninterest expense to average assets | 2.3297% | 5,023 |
| Loan and lease loss provision to assets | 0.3758% | 495 |
| Net operating income to assets | 0.6520% | 4,128 |
| Return on assets (ROA) | 0.6530% | 4,228 |
| Pretax return on assets | 0.9950% | 3,515 |
| Return on Equity (ROE) | 6.9821% | 3,646 |
| Retained earnings to average equity (ytd only) | 3.9716% | 3,389 |
| Net charge-offs to loans | 1.2367% | 214 |
| Credit loss provision to net charge-offs | 44.5335% | 3,597 |
| Earnings coverage of net charge-offs (x) | 1.6225% | 4,378 |
| Efficiency ratio | 62.9825% | 4,756 |
| Assets per employee ($millions) | 4.4865% | 3,064 |
| Cash dividends to net income (ytd only)* | 43.1181% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 1,892 |
| Loan loss allowance to noncurrent loans | 62.5995% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.0908% | 1,187 |
| Noncurrent loans to loans | 2.6526% | 927 |
| Net loans and leases to total assets | 68.5707% | 2,479 |
| Net loans and leases to deposits | 76.3144% | 3,165 |
| Net loans and leases to core deposits | 78.5665% | 3,458 |
| Total domestic deposits to total assets | 89.8529% | 794 |
| Equity capital to assets | 9.6934% | 4,477 |
| Core capital (leverage) ratio | 9.2318% | 4,631 |
| Tier 1 risk-based capital ratio | 14.5339% | 3,755 |
| Total risk-based capital ratio | 15.7914% | 3,690 |
| Memoranda: | ||
| Average total assets | $251,445,800 | 2,510 |
| Average earning assets | $231,826,200 | 2,503 |
| Average equity | $23,517,200 | 2,795 |
| Average total loans | $171,590,200 | 2,310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,549 |
| Cost of funding earning assets | 0.6016% | 1,814 |
| Net interest margin | 3.4507% | 4,019 |
| Noninterest income to average assets | 0.4994% | 3,548 |
| Noninterest expense to average assets | 2.3989% | 4,828 |
| Loan and lease loss provision to assets | 0.4771% | 320 |
| Net operating income to assets | 0.5340% | 4,745 |
| Return on assets (ROA) | 0.5354% | 4,809 |
| Pretax return on assets | 0.8064% | 4,345 |
| Return on Equity (ROE) | 5.7775% | 4,348 |
| Retained earnings to average equity (ytd only) | 2.8144% | 4,599 |
| Net charge-offs to loans | 0.0914% | 2,906 |
| Credit loss provision to net charge-offs | 769.2308% | 404 |
| Earnings coverage of net charge-offs (x) | 20.6576% | 1,721 |
| Efficiency ratio | 65.1829% | 4,338 |
| Assets per employee ($millions) | 4.2920% | 3,308 |
| Cash dividends to net income (ytd only)* | 51.2873% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8103% | 435 |
| Loan loss allowance to noncurrent loans | 71.4978% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 2.9895% | 788 |
| Noncurrent loans to loans | 3.9306% | 550 |
| Net loans and leases to total assets | 67.6426% | 2,594 |
| Net loans and leases to deposits | 75.0761% | 3,298 |
| Net loans and leases to core deposits | 77.1341% | 3,624 |
| Total domestic deposits to total assets | 90.0986% | 688 |
| Equity capital to assets | 9.5302% | 4,759 |
| Core capital (leverage) ratio | 8.9887% | 5,083 |
| Tier 1 risk-based capital ratio | 14.5626% | 3,848 |
| Total risk-based capital ratio | 15.8357% | 3,770 |
| Memoranda: | ||
| Average total assets | $251,496,500 | 2,525 |
| Average earning assets | $231,833,000 | 2,521 |
| Average equity | $23,308,000 | 2,825 |
| Average total loans | $170,690,750 | 2,335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,743 |
| Cost of funding earning assets | 0.5999% | 1,899 |
| Net interest margin | 3.3951% | 4,198 |
| Noninterest income to average assets | 0.5136% | 3,383 |
| Noninterest expense to average assets | 2.3745% | 4,960 |
| Loan and lease loss provision to assets | 0.4755% | 318 |
| Net operating income to assets | 0.5323% | 4,683 |
| Return on assets (ROA) | 0.5334% | 4,771 |
| Pretax return on assets | 0.7957% | 4,287 |
| Return on Equity (ROE) | 5.8094% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.9781% | 4,306 |
| Net charge-offs to loans | 0.1437% | 2,237 |
| Credit loss provision to net charge-offs | 491.8033% | 600 |
| Earnings coverage of net charge-offs (x) | 13.1311% | 1,998 |
| Efficiency ratio | 65.1588% | 4,496 |
| Assets per employee ($millions) | 4.4931% | 2,933 |
| Cash dividends to net income (ytd only)* | 48.7370% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6613% | 562 |
| Loan loss allowance to noncurrent loans | 60.2667% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.2960% | 738 |
| Noncurrent loans to loans | 4.4159% | 505 |
| Net loans and leases to total assets | 66.3449% | 2,703 |
| Net loans and leases to deposits | 73.4951% | 3,390 |
| Net loans and leases to core deposits | 75.6491% | 3,657 |
| Total domestic deposits to total assets | 90.2711% | 674 |
| Equity capital to assets | 9.3505% | 4,920 |
| Core capital (leverage) ratio | 8.8188% | 5,259 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,794 |
| Total risk-based capital ratio | 15.8816% | 3,799 |
| Memoranda: | ||
| Average total assets | $252,350,330 | 2,523 |
| Average earning assets | $232,691,330 | 2,520 |
| Average equity | $23,169,330 | 2,832 |
| Average total loans | $169,836,000 | 2,337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,888 |
| Cost of funding earning assets | 0.6010% | 1,964 |
| Net interest margin | 3.3503% | 4,335 |
| Noninterest income to average assets | 0.5271% | 3,217 |
| Noninterest expense to average assets | 2.2871% | 5,227 |
| Loan and lease loss provision to assets | 0.4748% | 324 |
| Net operating income to assets | 0.5661% | 4,376 |
| Return on assets (ROA) | 0.5682% | 4,436 |
| Pretax return on assets | 0.8563% | 3,876 |
| Return on Equity (ROE) | 6.2461% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.8277% | 3,832 |
| Net charge-offs to loans | 0.3148% | 1,126 |
| Credit loss provision to net charge-offs | 225.5639% | 958 |
| Earnings coverage of net charge-offs (x) | 6.3083% | 2,235 |
| Efficiency ratio | 63.2662% | 4,964 |
| Assets per employee ($millions) | 4.3783% | 3,185 |
| Cash dividends to net income (ytd only)* | 38.7187% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5558% | 760 |
| Loan loss allowance to noncurrent loans | 60.6445% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 3.1495% | 871 |
| Noncurrent loans to loans | 4.2144% | 614 |
| Net loans and leases to total assets | 63.8545% | 2,920 |
| Net loans and leases to deposits | 70.5410% | 3,530 |
| Net loans and leases to core deposits | 72.5771% | 3,810 |
| Total domestic deposits to total assets | 90.5211% | 788 |
| Equity capital to assets | 9.1276% | 4,973 |
| Core capital (leverage) ratio | 8.7705% | 5,298 |
| Tier 1 risk-based capital ratio | 14.9176% | 3,757 |
| Total risk-based capital ratio | 16.1856% | 3,699 |
| Memoranda: | ||
| Average total assets | $252,720,000 | 2,530 |
| Average earning assets | $232,933,500 | 2,515 |
| Average equity | $22,990,500 | 2,849 |
| Average total loans | $169,006,500 | 2,354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,868 |
| Cost of funding earning assets | 0.6630% | 2,091 |
| Net interest margin | 3.4015% | 4,266 |
| Noninterest income to average assets | 0.5857% | 3,176 |
| Noninterest expense to average assets | 2.2516% | 5,500 |
| Loan and lease loss provision to assets | 0.4283% | 686 |
| Net operating income to assets | 0.6625% | 3,969 |
| Return on assets (ROA) | 0.6625% | 4,074 |
| Pretax return on assets | 1.0105% | 3,309 |
| Return on Equity (ROE) | 7.4854% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.0152% | 2,581 |
| Net charge-offs to loans | -0.0323% | 6,242 |
| Credit loss provision to net charge-offs | -2,035.1852% | 6,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0137% | 5,357 |
| Assets per employee ($millions) | 4.3362% | 3,207 |
| Cash dividends to net income (ytd only)* | 33.0000% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 947 |
| Loan loss allowance to noncurrent loans | 55.9573% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.3193% | 910 |
| Noncurrent loans to loans | 4.2551% | 656 |
| Net loans and leases to total assets | 66.6091% | 2,592 |
| Net loans and leases to deposits | 73.5337% | 3,328 |
| Net loans and leases to core deposits | 75.2973% | 3,696 |
| Total domestic deposits to total assets | 90.5832% | 763 |
| Equity capital to assets | 9.0665% | 4,954 |
| Core capital (leverage) ratio | 8.7448% | 5,363 |
| Tier 1 risk-based capital ratio | 14.4071% | 4,012 |
| Total risk-based capital ratio | 15.6747% | 3,944 |
| Memoranda: | ||
| Average total assets | $256,618,200 | 2,467 |
| Average earning assets | $234,221,800 | 2,479 |
| Average equity | $22,710,800 | 2,858 |
| Average total loans | $167,146,000 | 2,336 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,934 |
| Cost of funding earning assets | 0.6709% | 2,168 |
| Net interest margin | 3.3801% | 4,356 |
| Noninterest income to average assets | 0.5573% | 3,410 |
| Noninterest expense to average assets | 2.3016% | 5,338 |
| Loan and lease loss provision to assets | 0.4131% | 719 |
| Net operating income to assets | 0.6028% | 4,335 |
| Return on assets (ROA) | 0.6028% | 4,459 |
| Pretax return on assets | 0.9187% | 3,796 |
| Return on Equity (ROE) | 6.8522% | 3,734 |
| Retained earnings to average equity (ytd only) | 4.6719% | 3,341 |
| Net charge-offs to loans | 0.1903% | 2,700 |
| Credit loss provision to net charge-offs | 337.1308% | 763 |
| Earnings coverage of net charge-offs (x) | 10.8693% | 2,307 |
| Efficiency ratio | 63.3466% | 4,913 |
| Assets per employee ($millions) | 4.5268% | 2,843 |
| Cash dividends to net income (ytd only)* | 31.8179% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 1,495 |
| Loan loss allowance to noncurrent loans | 46.2608% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.3337% | 1,051 |
| Noncurrent loans to loans | 4.5502% | 706 |
| Net loans and leases to total assets | 64.1194% | 2,983 |
| Net loans and leases to deposits | 70.6578% | 3,691 |
| Net loans and leases to core deposits | 72.5012% | 4,033 |
| Total domestic deposits to total assets | 90.7463% | 635 |
| Equity capital to assets | 8.9310% | 5,263 |
| Core capital (leverage) ratio | 8.5651% | 5,704 |
| Tier 1 risk-based capital ratio | 14.4630% | 4,095 |
| Total risk-based capital ratio | 15.7286% | 4,037 |
| Memoranda: | ||
| Average total assets | $257,898,500 | 2,470 |
| Average earning assets | $234,698,250 | 2,485 |
| Average equity | $22,688,000 | 2,882 |
| Average total loans | $166,031,000 | 2,355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 4,081 |
| Cost of funding earning assets | 0.6704% | 2,316 |
| Net interest margin | 3.3368% | 4,427 |
| Noninterest income to average assets | 0.5891% | 3,261 |
| Noninterest expense to average assets | 2.3187% | 5,303 |
| Loan and lease loss provision to assets | 0.3848% | 827 |
| Net operating income to assets | 0.6061% | 4,249 |
| Return on assets (ROA) | 0.6061% | 4,429 |
| Pretax return on assets | 0.9253% | 3,805 |
| Return on Equity (ROE) | 6.9239% | 3,645 |
| Retained earnings to average equity (ytd only) | 4.8890% | 3,126 |
| Net charge-offs to loans | 0.2216% | 2,413 |
| Credit loss provision to net charge-offs | 271.1957% | 934 |
| Earnings coverage of net charge-offs (x) | 9.2337% | 2,310 |
| Efficiency ratio | 63.8972% | 4,882 |
| Assets per employee ($millions) | 4.4567% | 2,885 |
| Cash dividends to net income (ytd only)* | 29.3893% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 1,913 |
| Loan loss allowance to noncurrent loans | 37.2862% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 3.8137% | 953 |
| Noncurrent loans to loans | 5.2900% | 588 |
| Net loans and leases to total assets | 62.4486% | 3,212 |
| Net loans and leases to deposits | 68.8915% | 3,874 |
| Net loans and leases to core deposits | 70.5696% | 4,209 |
| Total domestic deposits to total assets | 90.6478% | 681 |
| Equity capital to assets | 8.7320% | 5,509 |
| Core capital (leverage) ratio | 8.3057% | 5,884 |
| Tier 1 risk-based capital ratio | 15.2943% | 3,599 |
| Total risk-based capital ratio | 16.5570% | 3,549 |
| Memoranda: | ||
| Average total assets | $259,365,000 | 2,465 |
| Average earning assets | $236,275,000 | 2,487 |
| Average equity | $22,704,000 | 2,900 |
| Average total loans | $166,029,000 | 2,355 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,940 |
| Cost of funding earning assets | 0.6800% | 2,389 |
| Net interest margin | 3.3646% | 4,257 |
| Noninterest income to average assets | 0.7359% | 2,399 |
| Noninterest expense to average assets | 2.3556% | 5,256 |
| Loan and lease loss provision to assets | 0.3064% | 1,117 |
| Net operating income to assets | 0.7329% | 3,522 |
| Return on assets (ROA) | 0.7329% | 3,662 |
| Pretax return on assets | 1.1362% | 2,834 |
| Return on Equity (ROE) | 8.3617% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.9024% | 2,735 |
| Net charge-offs to loans | 0.5807% | 1,052 |
| Credit loss provision to net charge-offs | 82.2314% | 2,131 |
| Earnings coverage of net charge-offs (x) | 3.8719% | 2,653 |
| Efficiency ratio | 62.0186% | 5,299 |
| Assets per employee ($millions) | 4.6679% | 2,701 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 2,790 |
| Loan loss allowance to noncurrent loans | 36.7684% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 3.5168% | 1,205 |
| Noncurrent loans to loans | 4.7691% | 829 |
| Net loans and leases to total assets | 61.9432% | 3,072 |
| Net loans and leases to deposits | 68.3737% | 3,729 |
| Net loans and leases to core deposits | 70.1092% | 4,071 |
| Total domestic deposits to total assets | 90.5950% | 717 |
| Equity capital to assets | 8.7531% | 5,757 |
| Core capital (leverage) ratio | 8.2298% | 5,904 |
| Tier 1 risk-based capital ratio | 13.9745% | 4,526 |
| Total risk-based capital ratio | 15.1469% | 4,539 |
| Memoranda: | ||
| Average total assets | $259,804,500 | 2,492 |
| Average earning assets | $236,465,500 | 2,507 |
| Average equity | $22,770,500 | 2,950 |
| Average total loans | $166,709,000 | 2,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 3,773 |
| Cost of funding earning assets | 0.8118% | 2,573 |
| Net interest margin | 3.5976% | 4,093 |
| Noninterest income to average assets | 0.5470% | 3,607 |
| Noninterest expense to average assets | 2.4904% | 5,131 |
| Loan and lease loss provision to assets | 0.2563% | 2,598 |
| Net operating income to assets | 0.7065% | 3,705 |
| Return on assets (ROA) | 0.7184% | 3,909 |
| Pretax return on assets | 1.1047% | 3,141 |
| Return on Equity (ROE) | 8.1483% | 3,021 |
| Retained earnings to average equity (ytd only) | 3.8752% | 3,469 |
| Net charge-offs to loans | 0.1282% | 4,400 |
| Credit loss provision to net charge-offs | 309.1346% | 783 |
| Earnings coverage of net charge-offs (x) | 16.1923% | 1,595 |
| Efficiency ratio | 64.9714% | 4,711 |
| Assets per employee ($millions) | 4.5299% | 2,908 |
| Cash dividends to net income (ytd only)* | 52.4417% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,791 |
| Loan loss allowance to noncurrent loans | 100.1024% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 2,975 |
| Noncurrent loans to loans | 1.7378% | 3,007 |
| Net loans and leases to total assets | 64.1634% | 2,875 |
| Net loans and leases to deposits | 70.8713% | 3,581 |
| Net loans and leases to core deposits | 72.5287% | 3,974 |
| Total domestic deposits to total assets | 90.5350% | 689 |
| Equity capital to assets | 8.7760% | 5,765 |
| Core capital (leverage) ratio | 8.2975% | 5,889 |
| Tier 1 risk-based capital ratio | 13.4046% | 4,821 |
| Total risk-based capital ratio | 14.6624% | 4,766 |
| Memoranda: | ||
| Average total assets | $250,840,000 | 2,523 |
| Average earning assets | $229,122,000 | 2,523 |
| Average equity | $22,115,000 | 2,958 |
| Average total loans | $162,244,400 | 2,396 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 3,932 |
| Cost of funding earning assets | 0.8376% | 2,647 |
| Net interest margin | 3.5904% | 4,273 |
| Noninterest income to average assets | 0.5606% | 3,540 |
| Noninterest expense to average assets | 2.5258% | 5,002 |
| Loan and lease loss provision to assets | 0.2651% | 2,457 |
| Net operating income to assets | 0.6876% | 3,965 |
| Return on assets (ROA) | 0.7036% | 4,138 |
| Pretax return on assets | 1.0790% | 3,425 |
| Return on Equity (ROE) | 7.9712% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.3971% | 4,478 |
| Net charge-offs to loans | 0.1245% | 4,130 |
| Credit loss provision to net charge-offs | 330.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 16.4263% | 1,693 |
| Efficiency ratio | 65.6872% | 4,505 |
| Assets per employee ($millions) | 4.2229% | 3,419 |
| Cash dividends to net income (ytd only)* | 57.3820% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 3,008 |
| Loan loss allowance to noncurrent loans | 102.7467% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 3,022 |
| Noncurrent loans to loans | 1.6906% | 3,257 |
| Net loans and leases to total assets | 64.5517% | 2,920 |
| Net loans and leases to deposits | 71.5169% | 3,675 |
| Net loans and leases to core deposits | 73.1814% | 4,088 |
| Total domestic deposits to total assets | 90.2608% | 696 |
| Equity capital to assets | 9.0119% | 5,814 |
| Core capital (leverage) ratio | 8.2868% | 6,031 |
| Tier 1 risk-based capital ratio | 13.8366% | 4,666 |
| Total risk-based capital ratio | 15.0951% | 4,613 |
| Memoranda: | ||
| Average total assets | $248,998,750 | 2,564 |
| Average earning assets | $227,790,000 | 2,553 |
| Average equity | $21,978,750 | 2,995 |
| Average total loans | $160,654,000 | 2,443 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 4,132 |
| Cost of funding earning assets | 0.8592% | 2,733 |
| Net interest margin | 3.5533% | 4,450 |
| Noninterest income to average assets | 0.4788% | 4,066 |
| Noninterest expense to average assets | 2.4889% | 5,181 |
| Loan and lease loss provision to assets | 0.2386% | 2,681 |
| Net operating income to assets | 0.6589% | 4,068 |
| Return on assets (ROA) | 0.6829% | 4,226 |
| Pretax return on assets | 1.0444% | 3,541 |
| Return on Equity (ROE) | 7.7908% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.1071% | 4,566 |
| Net charge-offs to loans | 0.0038% | 5,457 |
| Credit loss provision to net charge-offs | 9,900.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 79 |
| Efficiency ratio | 66.6380% | 4,399 |
| Assets per employee ($millions) | 4.2591% | 3,342 |
| Cash dividends to net income (ytd only)* | 60.1176% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 3,063 |
| Loan loss allowance to noncurrent loans | 69.7651% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.0897% | 2,677 |
| Noncurrent loans to loans | 2.4963% | 2,411 |
| Net loans and leases to total assets | 62.6892% | 3,290 |
| Net loans and leases to deposits | 69.2891% | 3,997 |
| Net loans and leases to core deposits | 71.1114% | 4,401 |
| Total domestic deposits to total assets | 90.4749% | 680 |
| Equity capital to assets | 8.8231% | 5,887 |
| Core capital (leverage) ratio | 8.1270% | 6,127 |
| Tier 1 risk-based capital ratio | 13.6900% | 4,677 |
| Total risk-based capital ratio | 14.9444% | 4,650 |
| Memoranda: | ||
| Average total assets | $248,948,670 | 2,559 |
| Average earning assets | $228,125,330 | 2,543 |
| Average equity | $21,820,670 | 3,003 |
| Average total loans | $159,647,670 | 2,466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 4,242 |
| Cost of funding earning assets | 0.8948% | 2,730 |
| Net interest margin | 3.5246% | 4,585 |
| Noninterest income to average assets | 0.4536% | 4,269 |
| Noninterest expense to average assets | 2.4215% | 5,400 |
| Loan and lease loss provision to assets | 0.2389% | 2,558 |
| Net operating income to assets | 0.6620% | 4,069 |
| Return on assets (ROA) | 0.7103% | 4,055 |
| Pretax return on assets | 1.0913% | 3,358 |
| Return on Equity (ROE) | 8.1310% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.6980% | 4,910 |
| Net charge-offs to loans | 0.0326% | 4,229 |
| Credit loss provision to net charge-offs | 1,138.4615% | 305 |
| Earnings coverage of net charge-offs (x) | 59.8462% | 553 |
| Efficiency ratio | 65.8472% | 4,585 |
| Assets per employee ($millions) | 4.3381% | 3,321 |
| Cash dividends to net income (ytd only)* | 66.8182% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 3,532 |
| Loan loss allowance to noncurrent loans | 79.4508% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.8576% | 3,106 |
| Noncurrent loans to loans | 2.0785% | 3,056 |
| Net loans and leases to total assets | 62.3213% | 3,189 |
| Net loans and leases to deposits | 68.6785% | 3,928 |
| Net loans and leases to core deposits | 70.1665% | 4,390 |
| Total domestic deposits to total assets | 90.7436% | 665 |
| Equity capital to assets | 8.6038% | 5,990 |
| Core capital (leverage) ratio | 8.1668% | 6,074 |
| Tier 1 risk-based capital ratio | 13.5317% | 4,806 |
| Total risk-based capital ratio | 14.7882% | 4,786 |
| Memoranda: | ||
| Average total assets | $247,781,000 | 2,582 |
| Average earning assets | $226,634,500 | 2,576 |
| Average equity | $21,645,500 | 3,017 |
| Average total loans | $159,311,500 | 2,490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 3,165 |
| Cost of funding earning assets | 1.2239% | 1,878 |
| Net interest margin | 3.7139% | 4,238 |
| Noninterest income to average assets | 0.5510% | 3,500 |
| Noninterest expense to average assets | 2.6270% | 4,993 |
| Loan and lease loss provision to assets | 0.2998% | 3,267 |
| Net operating income to assets | 0.6234% | 3,869 |
| Return on assets (ROA) | 0.6606% | 3,875 |
| Pretax return on assets | 0.9989% | 3,255 |
| Return on Equity (ROE) | 8.3813% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.1726% | 2,527 |
| Net charge-offs to loans | 0.2280% | 4,362 |
| Credit loss provision to net charge-offs | 196.9444% | 1,286 |
| Earnings coverage of net charge-offs (x) | 8.1611% | 2,201 |
| Efficiency ratio | 67.8907% | 4,386 |
| Assets per employee ($millions) | 4.2061% | 3,455 |
| Cash dividends to net income (ytd only)* | 38.2843% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,713 |
| Loan loss allowance to noncurrent loans | 77.8921% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.8311% | 3,212 |
| Noncurrent loans to loans | 2.0146% | 3,186 |
| Net loans and leases to total assets | 64.2279% | 3,138 |
| Net loans and leases to deposits | 71.0697% | 3,940 |
| Net loans and leases to core deposits | 72.5559% | 4,431 |
| Total domestic deposits to total assets | 90.3731% | 778 |
| Equity capital to assets | 8.8718% | 5,707 |
| Core capital (leverage) ratio | 8.4120% | 5,700 |
| Tier 1 risk-based capital ratio | 13.5667% | 4,644 |
| Total risk-based capital ratio | 14.8221% | 4,613 |
| Memoranda: | ||
| Average total assets | $236,468,400 | 2,670 |
| Average earning assets | $211,288,200 | 2,718 |
| Average equity | $18,636,800 | 3,334 |
| Average total loans | $157,869,000 | 2,528 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 3,171 |
| Cost of funding earning assets | 1.2876% | 1,773 |
| Net interest margin | 3.6965% | 4,349 |
| Noninterest income to average assets | 0.5320% | 3,637 |
| Noninterest expense to average assets | 2.6172% | 5,014 |
| Loan and lease loss provision to assets | 0.2563% | 3,456 |
| Net operating income to assets | 0.6242% | 3,994 |
| Return on assets (ROA) | 0.6740% | 3,923 |
| Pretax return on assets | 1.0185% | 3,337 |
| Return on Equity (ROE) | 8.8413% | 2,681 |
| Retained earnings to average equity (ytd only) | 5.2705% | 3,017 |
| Net charge-offs to loans | 0.2319% | 3,979 |
| Credit loss provision to net charge-offs | 164.5985% | 1,852 |
| Earnings coverage of net charge-offs (x) | 7.7008% | 2,312 |
| Efficiency ratio | 68.5778% | 4,201 |
| Assets per employee ($millions) | 4.0176% | 3,808 |
| Cash dividends to net income (ytd only)* | 40.3879% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,378 |
| Loan loss allowance to noncurrent loans | 78.4486% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.9723% | 3,176 |
| Noncurrent loans to loans | 1.8349% | 3,590 |
| Net loans and leases to total assets | 67.1898% | 2,637 |
| Net loans and leases to deposits | 74.6786% | 3,560 |
| Net loans and leases to core deposits | 76.2007% | 4,172 |
| Total domestic deposits to total assets | 89.9720% | 882 |
| Equity capital to assets | 9.0927% | 5,649 |
| Core capital (leverage) ratio | 8.4002% | 5,853 |
| Tier 1 risk-based capital ratio | 13.0355% | 5,074 |
| Total risk-based capital ratio | 14.2891% | 5,037 |
| Memoranda: | ||
| Average total assets | $234,597,250 | 2,692 |
| Average earning assets | $208,446,000 | 2,752 |
| Average equity | $17,885,250 | 3,441 |
| Average total loans | $157,540,250 | 2,558 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 3,091 |
| Cost of funding earning assets | 1.3511% | 1,647 |
| Net interest margin | 3.6626% | 4,454 |
| Noninterest income to average assets | 0.4671% | 4,138 |
| Noninterest expense to average assets | 2.5682% | 5,296 |
| Loan and lease loss provision to assets | 0.2592% | 3,329 |
| Net operating income to assets | 0.5980% | 4,075 |
| Return on assets (ROA) | 0.5980% | 4,212 |
| Pretax return on assets | 0.8726% | 3,748 |
| Return on Equity (ROE) | 8.3900% | 2,772 |
| Retained earnings to average equity (ytd only) | 7.3338% | 1,725 |
| Net charge-offs to loans | 0.4136% | 2,898 |
| Credit loss provision to net charge-offs | 93.8080% | 3,348 |
| Earnings coverage of net charge-offs (x) | 4.0960% | 2,965 |
| Efficiency ratio | 69.4104% | 4,235 |
| Assets per employee ($millions) | 3.9115% | 3,962 |
| Cash dividends to net income (ytd only)* | 12.5894% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,821 |
| Loan loss allowance to noncurrent loans | 69.8491% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 2.1151% | 3,087 |
| Noncurrent loans to loans | 1.9366% | 3,558 |
| Net loans and leases to total assets | 66.1576% | 3,001 |
| Net loans and leases to deposits | 71.9311% | 4,124 |
| Net loans and leases to core deposits | 73.3738% | 4,654 |
| Total domestic deposits to total assets | 91.9736% | 237 |
| Equity capital to assets | 7.3327% | 7,023 |
| Core capital (leverage) ratio | 6.5637% | 7,112 |
| Tier 1 risk-based capital ratio | 10.5616% | 6,768 |
| Total risk-based capital ratio | 11.8143% | 6,760 |
| Memoranda: | ||
| Average total assets | $233,784,330 | 2,719 |
| Average earning assets | $206,354,670 | 2,803 |
| Average equity | $16,662,670 | 3,628 |
| Average total loans | $156,190,330 | 2,598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 2,791 |
| Cost of funding earning assets | 1.4049% | 1,585 |
| Net interest margin | 3.6622% | 4,273 |
| Noninterest income to average assets | 0.4663% | 4,142 |
| Noninterest expense to average assets | 2.4806% | 5,625 |
| Loan and lease loss provision to assets | 0.2760% | 2,946 |
| Net operating income to assets | 0.6086% | 3,991 |
| Return on assets (ROA) | 0.6086% | 4,059 |
| Pretax return on assets | 0.8914% | 3,532 |
| Return on Equity (ROE) | 8.6641% | 2,626 |
| Retained earnings to average equity (ytd only) | 7.5902% | 1,897 |
| Net charge-offs to loans | 0.4293% | 2,409 |
| Credit loss provision to net charge-offs | 96.4072% | 2,824 |
| Earnings coverage of net charge-offs (x) | 4.0778% | 2,562 |
| Efficiency ratio | 67.9981% | 4,653 |
| Assets per employee ($millions) | 3.9320% | 3,987 |
| Cash dividends to net income (ytd only)* | 12.3944% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 4,756 |
| Loan loss allowance to noncurrent loans | 67.3688% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1249% | 3,158 |
| Noncurrent loans to loans | 2.0515% | 3,506 |
| Net loans and leases to total assets | 64.8151% | 3,282 |
| Net loans and leases to deposits | 70.1581% | 4,324 |
| Net loans and leases to core deposits | 71.7922% | 4,815 |
| Total domestic deposits to total assets | 92.3843% | 190 |
| Equity capital to assets | 6.9972% | 7,087 |
| Core capital (leverage) ratio | 6.5221% | 7,164 |
| Tier 1 risk-based capital ratio | 10.4571% | 6,828 |
| Total risk-based capital ratio | 11.7101% | 6,815 |
| Memoranda: | ||
| Average total assets | $233,332,500 | 2,744 |
| Average earning assets | $202,719,000 | 2,863 |
| Average equity | $16,389,500 | 3,657 |
| Average total loans | $155,589,000 | 2,620 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4476% | 2,486 |
| Cost of funding earning assets | 1.6887% | 1,653 |
| Net interest margin | 3.7589% | 4,113 |
| Noninterest income to average assets | 0.6398% | 3,211 |
| Noninterest expense to average assets | 2.5839% | 5,484 |
| Loan and lease loss provision to assets | 0.4247% | 3,564 |
| Net operating income to assets | 0.6653% | 3,367 |
| Return on assets (ROA) | 0.6711% | 3,483 |
| Pretax return on assets | 0.9823% | 2,986 |
| Return on Equity (ROE) | 9.0826% | 2,260 |
| Retained earnings to average equity (ytd only) | 7.9710% | 982 |
| Net charge-offs to loans | 0.4090% | 3,998 |
| Credit loss provision to net charge-offs | 145.6000% | 2,535 |
| Earnings coverage of net charge-offs (x) | 4.7952% | 2,802 |
| Efficiency ratio | 64.8816% | 5,184 |
| Assets per employee ($millions) | 3.8457% | 4,139 |
| Cash dividends to net income (ytd only)* | 12.2392% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,625 |
| Loan loss allowance to noncurrent loans | 76.1517% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.0789% | 3,247 |
| Noncurrent loans to loans | 1.8076% | 3,806 |
| Net loans and leases to total assets | 66.7292% | 3,293 |
| Net loans and leases to deposits | 72.3670% | 4,454 |
| Net loans and leases to core deposits | 74.0404% | 4,978 |
| Total domestic deposits to total assets | 92.2095% | 237 |
| Equity capital to assets | 7.0516% | 7,097 |
| Core capital (leverage) ratio | 6.6577% | 7,155 |
| Tier 1 risk-based capital ratio | 10.0792% | 6,943 |
| Total risk-based capital ratio | 11.3319% | 6,925 |
| Memoranda: | ||
| Average total assets | $214,287,600 | 2,935 |
| Average earning assets | $190,562,400 | 2,991 |
| Average equity | $15,832,400 | 3,804 |
| Average total loans | $152,806,800 | 2,726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3772% | 2,987 |
| Cost of funding earning assets | 1.7205% | 1,768 |
| Net interest margin | 3.6566% | 4,605 |
| Noninterest income to average assets | 0.5684% | 3,663 |
| Noninterest expense to average assets | 2.5705% | 5,428 |
| Loan and lease loss provision to assets | 0.3419% | 3,871 |
| Net operating income to assets | 0.6640% | 3,581 |
| Return on assets (ROA) | 0.6718% | 3,696 |
| Pretax return on assets | 0.9814% | 3,250 |
| Return on Equity (ROE) | 8.9804% | 2,498 |
| Retained earnings to average equity (ytd only) | 7.8695% | 1,462 |
| Net charge-offs to loans | 0.0877% | 5,651 |
| Credit loss provision to net charge-offs | 539.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 20.6800% | 1,156 |
| Efficiency ratio | 66.2092% | 4,814 |
| Assets per employee ($millions) | 3.8066% | 4,252 |
| Cash dividends to net income (ytd only)* | 12.3700% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,108 |
| Loan loss allowance to noncurrent loans | 74.1468% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 3,089 |
| Noncurrent loans to loans | 1.9814% | 3,704 |
| Net loans and leases to total assets | 71.1836% | 2,439 |
| Net loans and leases to deposits | 77.6699% | 3,889 |
| Net loans and leases to core deposits | 79.7946% | 4,548 |
| Total domestic deposits to total assets | 91.6489% | 267 |
| Equity capital to assets | 7.5358% | 7,110 |
| Core capital (leverage) ratio | 6.8336% | 7,241 |
| Tier 1 risk-based capital ratio | 9.6871% | 7,193 |
| Total risk-based capital ratio | 10.9405% | 7,184 |
| Memoranda: | ||
| Average total assets | $210,173,750 | 3,029 |
| Average earning assets | $190,479,500 | 3,038 |
| Average equity | $15,722,750 | 3,855 |
| Average total loans | $151,978,000 | 2,778 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 3,162 |
| Cost of funding earning assets | 1.7666% | 1,787 |
| Net interest margin | 3.5926% | 4,847 |
| Noninterest income to average assets | 0.5233% | 3,932 |
| Noninterest expense to average assets | 2.6021% | 5,318 |
| Loan and lease loss provision to assets | 0.3290% | 3,769 |
| Net operating income to assets | 0.5878% | 3,924 |
| Return on assets (ROA) | 0.5878% | 4,068 |
| Pretax return on assets | 0.8494% | 3,704 |
| Return on Equity (ROE) | 7.8771% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.7942% | 1,925 |
| Net charge-offs to loans | 0.1210% | 4,972 |
| Credit loss provision to net charge-offs | 375.8242% | 966 |
| Earnings coverage of net charge-offs (x) | 13.4615% | 1,587 |
| Efficiency ratio | 68.8295% | 4,420 |
| Assets per employee ($millions) | 3.5778% | 4,740 |
| Cash dividends to net income (ytd only)* | 13.7480% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,460 |
| Loan loss allowance to noncurrent loans | 83.3991% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 3,468 |
| Noncurrent loans to loans | 1.6708% | 4,185 |
| Net loans and leases to total assets | 70.9037% | 2,688 |
| Net loans and leases to deposits | 77.2490% | 4,121 |
| Net loans and leases to core deposits | 79.4132% | 4,759 |
| Total domestic deposits to total assets | 91.7859% | 263 |
| Equity capital to assets | 7.5262% | 7,096 |
| Core capital (leverage) ratio | 6.7634% | 7,300 |
| Tier 1 risk-based capital ratio | 9.6351% | 7,206 |
| Total risk-based capital ratio | 10.8868% | 7,205 |
| Memoranda: | ||
| Average total assets | $207,906,000 | 3,068 |
| Average earning assets | $188,497,670 | 3,086 |
| Average equity | $15,513,330 | 3,892 |
| Average total loans | $150,385,670 | 2,830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3000% | 3,550 |
| Cost of funding earning assets | 1.8213% | 1,793 |
| Net interest margin | 3.4786% | 5,247 |
| Noninterest income to average assets | 0.5661% | 3,515 |
| Noninterest expense to average assets | 2.5495% | 5,552 |
| Loan and lease loss provision to assets | 0.3315% | 3,408 |
| Net operating income to assets | 0.5913% | 3,928 |
| Return on assets (ROA) | 0.5913% | 4,075 |
| Pretax return on assets | 0.8511% | 3,664 |
| Return on Equity (ROE) | 7.9601% | 2,899 |
| Retained earnings to average equity (ytd only) | 6.9422% | 2,158 |
| Net charge-offs to loans | 0.1764% | 3,863 |
| Credit loss provision to net charge-offs | 259.0909% | 1,503 |
| Earnings coverage of net charge-offs (x) | 9.2424% | 1,878 |
| Efficiency ratio | 68.3117% | 4,656 |
| Assets per employee ($millions) | 3.6521% | 4,693 |
| Cash dividends to net income (ytd only)* | 12.7869% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,844 |
| Loan loss allowance to noncurrent loans | 51.1561% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.1742% | 3,306 |
| Noncurrent loans to loans | 2.5719% | 3,099 |
| Net loans and leases to total assets | 70.9470% | 2,712 |
| Net loans and leases to deposits | 77.2331% | 4,183 |
| Net loans and leases to core deposits | 79.6850% | 4,800 |
| Total domestic deposits to total assets | 91.8609% | 272 |
| Equity capital to assets | 7.4401% | 7,114 |
| Core capital (leverage) ratio | 6.8192% | 7,345 |
| Tier 1 risk-based capital ratio | 9.2189% | 7,419 |
| Total risk-based capital ratio | 10.4697% | 7,424 |
| Memoranda: | ||
| Average total assets | $206,314,500 | 3,141 |
| Average earning assets | $187,774,000 | 3,149 |
| Average equity | $15,326,500 | 3,956 |
| Average total loans | $149,686,000 | 2,907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8352% | 2,506 |
| Cost of funding earning assets | 2.2742% | 1,756 |
| Net interest margin | 3.5610% | 4,693 |
| Noninterest income to average assets | 0.7629% | 2,602 |
| Noninterest expense to average assets | 2.6365% | 5,642 |
| Loan and lease loss provision to assets | 0.9985% | 2,280 |
| Net operating income to assets | 0.3420% | 4,370 |
| Return on assets (ROA) | 0.3466% | 4,429 |
| Pretax return on assets | 0.3924% | 4,517 |
| Return on Equity (ROE) | 4.4284% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.1651% | 2,944 |
| Net charge-offs to loans | 0.7550% | 2,935 |
| Credit loss provision to net charge-offs | 177.0028% | 2,363 |
| Earnings coverage of net charge-offs (x) | 2.4562% | 3,894 |
| Efficiency ratio | 65.5519% | 5,482 |
| Assets per employee ($millions) | 3.5252% | 4,951 |
| Cash dividends to net income (ytd only)* | 28.5276% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,090 |
| Loan loss allowance to noncurrent loans | 52.1253% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 3,445 |
| Noncurrent loans to loans | 2.3886% | 3,175 |
| Net loans and leases to total assets | 72.3121% | 2,677 |
| Net loans and leases to deposits | 78.7060% | 4,232 |
| Net loans and leases to core deposits | 93.5706% | 4,720 |
| Total domestic deposits to total assets | 91.8762% | 285 |
| Equity capital to assets | 7.4171% | 7,108 |
| Core capital (leverage) ratio | 6.9392% | 7,288 |
| Tier 1 risk-based capital ratio | 9.1279% | 7,412 |
| Total risk-based capital ratio | 10.3833% | 7,426 |
| Memoranda: | ||
| Average total assets | $188,090,000 | 3,310 |
| Average earning assets | $172,145,000 | 3,321 |
| Average equity | $14,723,000 | 4,113 |
| Average total loans | $140,521,800 | 3,072 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9450% | 2,251 |
| Cost of funding earning assets | 2.3524% | 1,796 |
| Net interest margin | 3.5926% | 4,505 |
| Noninterest income to average assets | 0.8246% | 2,319 |
| Noninterest expense to average assets | 2.6971% | 5,340 |
| Loan and lease loss provision to assets | 0.7326% | 2,548 |
| Net operating income to assets | 0.5500% | 3,793 |
| Return on assets (ROA) | 0.5558% | 3,853 |
| Pretax return on assets | 0.6956% | 3,871 |
| Return on Equity (ROE) | 6.9984% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.6753% | 2,115 |
| Net charge-offs to loans | 0.2566% | 4,450 |
| Credit loss provision to net charge-offs | 380.0752% | 1,058 |
| Earnings coverage of net charge-offs (x) | 7.3721% | 2,418 |
| Efficiency ratio | 65.4936% | 5,458 |
| Assets per employee ($millions) | 3.4105% | 5,143 |
| Cash dividends to net income (ytd only)* | 18.9050% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,807 |
| Loan loss allowance to noncurrent loans | 48.6428% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.2661% | 3,019 |
| Noncurrent loans to loans | 2.5744% | 2,931 |
| Net loans and leases to total assets | 73.9866% | 2,522 |
| Net loans and leases to deposits | 81.1540% | 4,176 |
| Net loans and leases to core deposits | 96.9902% | 4,706 |
| Total domestic deposits to total assets | 91.1681% | 354 |
| Equity capital to assets | 7.9460% | 6,898 |
| Core capital (leverage) ratio | 7.1231% | 7,342 |
| Tier 1 risk-based capital ratio | 9.5267% | 7,350 |
| Total risk-based capital ratio | 10.7771% | 7,321 |
| Memoranda: | ||
| Average total assets | $183,997,250 | 3,404 |
| Average earning assets | $168,676,250 | 3,395 |
| Average equity | $14,612,500 | 4,164 |
| Average total loans | $138,223,750 | 3,150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 2,254 |
| Cost of funding earning assets | 2.3979% | 1,974 |
| Net interest margin | 3.5849% | 4,432 |
| Noninterest income to average assets | 0.9314% | 1,836 |
| Noninterest expense to average assets | 2.7666% | 5,107 |
| Loan and lease loss provision to assets | 0.8312% | 2,019 |
| Net operating income to assets | 0.5387% | 3,943 |
| Return on assets (ROA) | 0.5483% | 4,007 |
| Pretax return on assets | 0.6330% | 4,224 |
| Return on Equity (ROE) | 6.9048% | 3,247 |
| Retained earnings to average equity (ytd only) | 5.5045% | 2,249 |
| Net charge-offs to loans | 0.2401% | 3,994 |
| Credit loss provision to net charge-offs | 460.3659% | 1,008 |
| Earnings coverage of net charge-offs (x) | 8.0488% | 2,322 |
| Efficiency ratio | 65.5622% | 5,621 |
| Assets per employee ($millions) | 3.3114% | 5,285 |
| Cash dividends to net income (ytd only)* | 20.2811% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 5,056 |
| Loan loss allowance to noncurrent loans | 44.3542% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1554% | 2,993 |
| Noncurrent loans to loans | 2.6672% | 2,704 |
| Net loans and leases to total assets | 73.7825% | 2,764 |
| Net loans and leases to deposits | 80.7946% | 4,421 |
| Net loans and leases to core deposits | 95.8573% | 4,921 |
| Total domestic deposits to total assets | 91.3210% | 363 |
| Equity capital to assets | 7.8555% | 6,905 |
| Core capital (leverage) ratio | 6.9156% | 7,592 |
| Tier 1 risk-based capital ratio | 9.3499% | 7,508 |
| Total risk-based capital ratio | 10.5429% | 7,532 |
| Memoranda: | ||
| Average total assets | $181,666,330 | 3,459 |
| Average earning assets | $166,644,330 | 3,451 |
| Average equity | $14,424,670 | 4,212 |
| Average total loans | $136,598,670 | 3,213 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0179% | 2,285 |
| Cost of funding earning assets | 2.4184% | 2,217 |
| Net interest margin | 3.5996% | 4,319 |
| Noninterest income to average assets | 1.0057% | 1,468 |
| Noninterest expense to average assets | 2.7945% | 4,576 |
| Loan and lease loss provision to assets | 0.4873% | 2,532 |
| Net operating income to assets | 0.6684% | 3,715 |
| Return on assets (ROA) | 0.6831% | 3,830 |
| Pretax return on assets | 1.0413% | 3,196 |
| Return on Equity (ROE) | 8.5554% | 2,906 |
| Retained earnings to average equity (ytd only) | 7.1620% | 2,153 |
| Net charge-offs to loans | 0.1504% | 3,760 |
| Credit loss provision to net charge-offs | 429.4118% | 1,227 |
| Earnings coverage of net charge-offs (x) | 13.2745% | 1,743 |
| Efficiency ratio | 64.9767% | 5,509 |
| Assets per employee ($millions) | 3.1926% | 5,612 |
| Cash dividends to net income (ytd only)* | 16.2866% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,833 |
| Loan loss allowance to noncurrent loans | 41.9979% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 3,331 |
| Noncurrent loans to loans | 2.0916% | 3,129 |
| Net loans and leases to total assets | 75.3377% | 2,421 |
| Net loans and leases to deposits | 82.8107% | 4,162 |
| Net loans and leases to core deposits | 97.6322% | 4,783 |
| Total domestic deposits to total assets | 90.9758% | 422 |
| Equity capital to assets | 7.9867% | 6,830 |
| Core capital (leverage) ratio | 7.0833% | 7,577 |
| Tier 1 risk-based capital ratio | 9.3288% | 7,562 |
| Total risk-based capital ratio | 10.2210% | 7,841 |
| Memoranda: | ||
| Average total assets | $179,781,000 | 3,507 |
| Average earning assets | $164,574,500 | 3,503 |
| Average equity | $14,353,500 | 4,257 |
| Average total loans | $135,669,000 | 3,252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6154% | 2,412 |
| Cost of funding earning assets | 2.8668% | 2,406 |
| Net interest margin | 3.7485% | 4,232 |
| Noninterest income to average assets | 0.6089% | 3,780 |
| Noninterest expense to average assets | 2.7307% | 5,128 |
| Loan and lease loss provision to assets | 0.2247% | 4,640 |
| Net operating income to assets | 0.7427% | 3,705 |
| Return on assets (ROA) | 0.7507% | 3,501 |
| Pretax return on assets | 1.0755% | 3,117 |
| Return on Equity (ROE) | 9.7516% | 2,343 |
| Retained earnings to average equity (ytd only) | 6.5060% | 1,334 |
| Net charge-offs to loans | 0.3220% | 3,248 |
| Credit loss provision to net charge-offs | 97.2772% | 5,469 |
| Earnings coverage of net charge-offs (x) | 5.5792% | 3,598 |
| Efficiency ratio | 67.9374% | 4,729 |
| Assets per employee ($millions) | 3.1155% | 5,730 |
| Cash dividends to net income (ytd only)* | 33.2826% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 7,154 |
| Loan loss allowance to noncurrent loans | 34.0931% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 1.9056% | 2,576 |
| Noncurrent loans to loans | 2.3086% | 2,398 |
| Net loans and leases to total assets | 74.3186% | 3,028 |
| Net loans and leases to deposits | 81.6837% | 4,770 |
| Net loans and leases to core deposits | 96.6440% | 5,191 |
| Total domestic deposits to total assets | 90.9834% | 334 |
| Equity capital to assets | 7.9810% | 6,874 |
| Core capital (leverage) ratio | 7.0402% | 7,664 |
| Tier 1 risk-based capital ratio | 9.3676% | 7,440 |
| Total risk-based capital ratio | 10.1553% | 7,869 |
| Memoranda: | ||
| Average total assets | $174,902,800 | 3,476 |
| Average earning assets | $159,129,400 | 3,487 |
| Average equity | $13,464,400 | 4,463 |
| Average total loans | $125,471,800 | 3,338 |