Home > Coulee Bank > Performance and Condition Ratios
Coulee Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 1,503 |
| Cost of funding earning assets | 2.0392% | 867 |
| Net interest margin | 3.2531% | 2,748 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.2663% | 765 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.2643% | 4,077 |
| Return on assets (ROA) | 0.1839% | 4,203 |
| Pretax return on assets | 0.1841% | 4,209 |
| Return on Equity (ROE) | 2.7100% | 4,069 |
| Retained earnings to average equity (ytd only) | 2.3263% | 3,500 |
| Net charge-offs to loans | -0.0022% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.5527% | 395 |
| Assets per employee ($millions) | 6.0020% | 2,824 |
| Cash dividends to net income (ytd only)* | 14.1304% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,049 |
| Loan loss allowance to noncurrent loans | 280.5524% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 1,721 |
| Noncurrent loans to loans | 0.3759% | 1,862 |
| Net loans and leases to total assets | 81.0800% | 520 |
| Net loans and leases to deposits | 100.9366% | 483 |
| Net loans and leases to core deposits | 114.3600% | 802 |
| Total domestic deposits to total assets | 80.3300% | 3,412 |
| Equity capital to assets | 7.3540% | 3,791 |
| Core capital (leverage) ratio | 9.3032% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4080% | 2,098 |
| Memoranda: | ||
| Average total assets | $550,228,800 | 1,614 |
| Average earning assets | $530,842,800 | 1,546 |
| Average equity | $37,355,800 | 1,963 |
| Average total loans | $450,504,400 | 1,345 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 123,547.0000% | 11 |
| Cost of funding earning assets | 315.0000% | 15 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0009% | 4,557 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.3073% | 4,113 |
| Pretax return on assets | 0.3075% | 4,162 |
| Return on Equity (ROE) | 4.6300% | 3,876 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0005% | 2,645 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 8.1070% | 4,580 |
| Assets per employee ($millions) | 0.0026% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 14.0000% | 4,537 |
| Equity capital to assets | 15,092.0000% | 20 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $5,994,000 | 4,605 |
| Average earning assets | $22,436 | 4,575 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 1,444 |
| Cost of funding earning assets | 1.7101% | 871 |
| Net interest margin | 3.3468% | 2,654 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 3.2859% | 702 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3088% | 4,141 |
| Return on assets (ROA) | 0.3022% | 4,180 |
| Pretax return on assets | 0.3022% | 4,231 |
| Return on Equity (ROE) | 4.5900% | 3,944 |
| Retained earnings to average equity (ytd only) | 3.7940% | 3,253 |
| Net charge-offs to loans | -0.0005% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.4863% | 369 |
| Assets per employee ($millions) | 6.0286% | 2,686 |
| Cash dividends to net income (ytd only)* | 17.3966% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,279 |
| Loan loss allowance to noncurrent loans | 307.5958% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 1,821 |
| Noncurrent loans to loans | 0.3358% | 1,926 |
| Net loans and leases to total assets | 81.3500% | 486 |
| Net loans and leases to deposits | 103.9970% | 370 |
| Net loans and leases to core deposits | 115.8603% | 628 |
| Total domestic deposits to total assets | 78.2200% | 3,823 |
| Equity capital to assets | 6.9962% | 3,803 |
| Core capital (leverage) ratio | 9.2104% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3826% | 2,139 |
| Memoranda: | ||
| Average total assets | $543,961,000 | 1,624 |
| Average earning assets | $525,458,333 | 1,565 |
| Average equity | $35,793,667 | 2,028 |
| Average total loans | $443,143,000 | 1,335 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,320 |
| Cost of funding earning assets | 1.4534% | 936 |
| Net interest margin | 3.5009% | 2,358 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.3151% | 683 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4025% | 4,085 |
| Return on assets (ROA) | 0.3892% | 4,052 |
| Pretax return on assets | 0.3892% | 4,149 |
| Return on Equity (ROE) | 6.1100% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.1101% | 2,733 |
| Net charge-offs to loans | -0.0009% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.3516% | 447 |
| Assets per employee ($millions) | 5.9416% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,390 |
| Loan loss allowance to noncurrent loans | 339.4482% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 1,879 |
| Noncurrent loans to loans | 0.3033% | 2,060 |
| Net loans and leases to total assets | 80.9400% | 462 |
| Net loans and leases to deposits | 101.3285% | 384 |
| Net loans and leases to core deposits | 108.2281% | 747 |
| Total domestic deposits to total assets | 79.8800% | 3,775 |
| Equity capital to assets | 7.3409% | 3,653 |
| Core capital (leverage) ratio | 9.3589% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4769% | 2,185 |
| Memoranda: | ||
| Average total assets | $541,642,000 | 1,649 |
| Average earning assets | $523,176,500 | 1,589 |
| Average equity | $34,500,000 | 2,095 |
| Average total loans | $439,249,500 | 1,353 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 1,124 |
| Cost of funding earning assets | 0.5640% | 1,044 |
| Net interest margin | 3.7030% | 1,367 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 3.3471% | 585 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7206% | 3,560 |
| Return on assets (ROA) | 0.7206% | 3,501 |
| Pretax return on assets | 0.7208% | 3,809 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 4.7137% | 3,165 |
| Net charge-offs to loans | 0.0841% | 824 |
| Credit loss provision to net charge-offs | 125.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 2,121 |
| Efficiency ratio | 80.6378% | 670 |
| Assets per employee ($millions) | 5.9627% | 2,799 |
| Cash dividends to net income (ytd only)* | 58.7736% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,263 |
| Loan loss allowance to noncurrent loans | 328.8462% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 1,903 |
| Noncurrent loans to loans | 0.3099% | 2,038 |
| Net loans and leases to total assets | 79.5900% | 639 |
| Net loans and leases to deposits | 97.3026% | 567 |
| Net loans and leases to core deposits | 102.7389% | 862 |
| Total domestic deposits to total assets | 81.8000% | 3,651 |
| Equity capital to assets | 5.4016% | 4,268 |
| Core capital (leverage) ratio | 7.8860% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2467% | 2,932 |
| Memoranda: | ||
| Average total assets | $506,922,800 | 1,702 |
| Average earning assets | $488,796,600 | 1,656 |
| Average equity | $31,949,600 | 2,244 |
| Average total loans | $399,633,800 | 1,390 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 1,088 |
| Cost of funding earning assets | 0.4310% | 1,093 |
| Net interest margin | 3.6568% | 1,252 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 3.4751% | 499 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5826% | 3,878 |
| Return on assets (ROA) | 0.5826% | 3,834 |
| Pretax return on assets | 0.5828% | 4,019 |
| Return on Equity (ROE) | 8.9000% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.0934% | 4,006 |
| Net charge-offs to loans | 0.1168% | 538 |
| Credit loss provision to net charge-offs | 92.1053% | 1,367 |
| Earnings coverage of net charge-offs (x) | 7.2865% | 2,080 |
| Efficiency ratio | 83.8935% | 553 |
| Assets per employee ($millions) | 5.9746% | 2,787 |
| Cash dividends to net income (ytd only)* | 76.4706% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,183 |
| Loan loss allowance to noncurrent loans | 318.0484% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 1,885 |
| Noncurrent loans to loans | 0.3345% | 2,030 |
| Net loans and leases to total assets | 79.3900% | 583 |
| Net loans and leases to deposits | 90.4821% | 861 |
| Net loans and leases to core deposits | 91.5765% | 1,205 |
| Total domestic deposits to total assets | 87.7400% | 2,506 |
| Equity capital to assets | 5.1959% | 4,237 |
| Core capital (leverage) ratio | 8.0195% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3109% | 2,982 |
| Memoranda: | ||
| Average total assets | $498,003,000 | 1,733 |
| Average earning assets | $480,154,500 | 1,685 |
| Average equity | $32,609,750 | 2,247 |
| Average total loans | $390,466,250 | 1,411 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 1,117 |
| Cost of funding earning assets | 0.3664% | 1,139 |
| Net interest margin | 3.5306% | 1,231 |
| Noninterest income to average assets | 0.6553% | 1,521 |
| Noninterest expense to average assets | 3.6752% | 364 |
| Loan and lease loss provision to assets | 0.0849% | 1,168 |
| Net operating income to assets | 0.2959% | 4,298 |
| Return on assets (ROA) | 0.2959% | 4,245 |
| Pretax return on assets | 0.2959% | 4,304 |
| Return on Equity (ROE) | 4.2210% | 3,985 |
| Retained earnings to average equity (ytd only) | -2.5833% | 4,423 |
| Net charge-offs to loans | 0.1616% | 391 |
| Credit loss provision to net charge-offs | 67.5241% | 1,439 |
| Earnings coverage of net charge-offs (x) | 3.0289% | 2,009 |
| Efficiency ratio | 90.6110% | 380 |
| Assets per employee ($millions) | 5.5824% | 3,141 |
| Cash dividends to net income (ytd only)* | 161.2022% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,253 |
| Loan loss allowance to noncurrent loans | 280.6983% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 1,795 |
| Noncurrent loans to loans | 0.3835% | 1,986 |
| Net loans and leases to total assets | 77.9444% | 558 |
| Net loans and leases to deposits | 89.6979% | 738 |
| Net loans and leases to core deposits | 90.6012% | 1,090 |
| Total domestic deposits to total assets | 86.8966% | 2,972 |
| Equity capital to assets | 5.7463% | 4,287 |
| Core capital (leverage) ratio | 7.9675% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4843% | 2,930 |
| Memoranda: | ||
| Average total assets | $494,724,333 | 1,740 |
| Average earning assets | $476,524,667 | 1,705 |
| Average equity | $34,684,000 | 2,209 |
| Average total loans | $384,782,667 | 1,424 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 1,140 |
| Cost of funding earning assets | 0.3492% | 1,209 |
| Net interest margin | 3.4220% | 1,255 |
| Noninterest income to average assets | 0.7464% | 1,182 |
| Noninterest expense to average assets | 4.0075% | 276 |
| Loan and lease loss provision to assets | 0.0856% | 972 |
| Net operating income to assets | -0.0489% | 4,570 |
| Return on assets (ROA) | -0.0489% | 4,551 |
| Pretax return on assets | -0.0489% | 4,545 |
| Return on Equity (ROE) | -0.6385% | 4,568 |
| Retained earnings to average equity (ytd only) | -2.7560% | 4,295 |
| Net charge-offs to loans | 0.0338% | 962 |
| Credit loss provision to net charge-offs | 328.1250% | 644 |
| Earnings coverage of net charge-offs (x) | 1.4063% | 1,739 |
| Efficiency ratio | 99.0933% | 263 |
| Assets per employee ($millions) | 5.6310% | 3,203 |
| Cash dividends to net income (ytd only)* | -331.6667% | 4,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,115 |
| Loan loss allowance to noncurrent loans | 272.0859% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 1,799 |
| Noncurrent loans to loans | 0.4216% | 1,975 |
| Net loans and leases to total assets | 77.1199% | 441 |
| Net loans and leases to deposits | 90.6026% | 480 |
| Net loans and leases to core deposits | 91.8630% | 821 |
| Total domestic deposits to total assets | 85.1188% | 3,518 |
| Equity capital to assets | 6.8200% | 4,293 |
| Core capital (leverage) ratio | 8.1172% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6940% | 2,954 |
| Memoranda: | ||
| Average total assets | $490,880,000 | 1,763 |
| Average earning assets | $473,051,000 | 1,723 |
| Average equity | $37,591,000 | 2,148 |
| Average total loans | $379,242,000 | 1,431 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 1,586 |
| Cost of funding earning assets | 0.4198% | 1,393 |
| Net interest margin | 3.4891% | 1,770 |
| Noninterest income to average assets | 1.0266% | 948 |
| Noninterest expense to average assets | 3.2828% | 649 |
| Loan and lease loss provision to assets | 0.0789% | 1,550 |
| Net operating income to assets | 1.0373% | 2,528 |
| Return on assets (ROA) | 1.1554% | 2,141 |
| Pretax return on assets | 1.1576% | 2,794 |
| Return on Equity (ROE) | 13.3005% | 1,371 |
| Retained earnings to average equity (ytd only) | 3.0697% | 3,605 |
| Net charge-offs to loans | -0.0923% | 4,562 |
| Credit loss provision to net charge-offs | -116.6667% | 3,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5879% | 1,243 |
| Assets per employee ($millions) | 5.1727% | 3,576 |
| Cash dividends to net income (ytd only)* | 76.9203% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,009 |
| Loan loss allowance to noncurrent loans | 248.9726% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 1,783 |
| Noncurrent loans to loans | 0.4711% | 1,951 |
| Net loans and leases to total assets | 75.5887% | 542 |
| Net loans and leases to deposits | 91.6162% | 495 |
| Net loans and leases to core deposits | 93.0827% | 819 |
| Total domestic deposits to total assets | 82.5058% | 3,892 |
| Equity capital to assets | 8.5118% | 4,040 |
| Core capital (leverage) ratio | 7.7613% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6970% | 2,953 |
| Memoranda: | ||
| Average total assets | $487,903,000 | 1,725 |
| Average earning assets | $471,901,800 | 1,681 |
| Average equity | $42,382,000 | 2,002 |
| Average total loans | $357,433,600 | 1,498 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 1,632 |
| Cost of funding earning assets | 0.4246% | 1,526 |
| Net interest margin | 3.5316% | 1,778 |
| Noninterest income to average assets | 1.0927% | 928 |
| Noninterest expense to average assets | 3.0758% | 855 |
| Loan and lease loss provision to assets | 0.0860% | 1,385 |
| Net operating income to assets | 1.3491% | 1,695 |
| Return on assets (ROA) | 1.5063% | 1,304 |
| Pretax return on assets | 1.5085% | 1,976 |
| Return on Equity (ROE) | 17.2547% | 732 |
| Retained earnings to average equity (ytd only) | 5.9298% | 2,855 |
| Net charge-offs to loans | -0.1036% | 4,625 |
| Credit loss provision to net charge-offs | -114.5455% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1529% | 1,802 |
| Assets per employee ($millions) | 6.4653% | 2,281 |
| Cash dividends to net income (ytd only)* | 65.6335% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,119 |
| Loan loss allowance to noncurrent loans | 260.2580% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 2,219 |
| Noncurrent loans to loans | 0.4499% | 2,211 |
| Net loans and leases to total assets | 68.2944% | 1,288 |
| Net loans and leases to deposits | 84.4118% | 935 |
| Net loans and leases to core deposits | 85.8710% | 1,300 |
| Total domestic deposits to total assets | 80.9063% | 4,109 |
| Equity capital to assets | 8.0786% | 4,477 |
| Core capital (leverage) ratio | 8.2907% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3894% | 2,587 |
| Memoranda: | ||
| Average total assets | $488,321,250 | 1,744 |
| Average earning assets | $472,943,250 | 1,692 |
| Average equity | $42,630,750 | 2,016 |
| Average total loans | $353,817,750 | 1,533 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 1,089 |
| Cost of funding earning assets | 0.4409% | 1,590 |
| Net interest margin | 3.8101% | 1,124 |
| Noninterest income to average assets | 1.1105% | 919 |
| Noninterest expense to average assets | 3.1767% | 748 |
| Loan and lease loss provision to assets | 0.0881% | 1,405 |
| Net operating income to assets | 1.5273% | 1,225 |
| Return on assets (ROA) | 1.8005% | 747 |
| Pretax return on assets | 1.8005% | 1,231 |
| Return on Equity (ROE) | 20.0755% | 450 |
| Retained earnings to average equity (ytd only) | 6.4766% | 2,631 |
| Net charge-offs to loans | -0.1578% | 4,743 |
| Credit loss provision to net charge-offs | -75.8123% | 3,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2901% | 2,107 |
| Assets per employee ($millions) | 5.8821% | 2,731 |
| Cash dividends to net income (ytd only)* | 67.7389% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,221 |
| Loan loss allowance to noncurrent loans | 206.3904% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 1,990 |
| Noncurrent loans to loans | 0.5547% | 2,011 |
| Net loans and leases to total assets | 72.2464% | 933 |
| Net loans and leases to deposits | 90.1213% | 647 |
| Net loans and leases to core deposits | 92.4734% | 977 |
| Total domestic deposits to total assets | 80.1657% | 4,215 |
| Equity capital to assets | 8.5783% | 4,142 |
| Core capital (leverage) ratio | 8.4080% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7058% | 2,806 |
| Memoranda: | ||
| Average total assets | $476,531,667 | 1,770 |
| Average earning assets | $460,461,333 | 1,721 |
| Average equity | $42,738,667 | 2,006 |
| Average total loans | $351,127,667 | 1,550 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 690 |
| Cost of funding earning assets | 0.4466% | 1,748 |
| Net interest margin | 4.1364% | 679 |
| Noninterest income to average assets | 1.4093% | 670 |
| Noninterest expense to average assets | 3.3496% | 561 |
| Loan and lease loss provision to assets | 0.0898% | 1,476 |
| Net operating income to assets | 1.9617% | 601 |
| Return on assets (ROA) | 2.5184% | 281 |
| Pretax return on assets | 2.5184% | 424 |
| Return on Equity (ROE) | 27.4493% | 193 |
| Retained earnings to average equity (ytd only) | 26.2842% | 112 |
| Net charge-offs to loans | -0.3293% | 4,859 |
| Credit loss provision to net charge-offs | -36.8421% | 2,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0171% | 2,758 |
| Assets per employee ($millions) | 5.8230% | 2,770 |
| Cash dividends to net income (ytd only)* | 4.2445% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,236 |
| Loan loss allowance to noncurrent loans | 316.1316% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 2,839 |
| Noncurrent loans to loans | 0.3612% | 2,788 |
| Net loans and leases to total assets | 71.4609% | 1,098 |
| Net loans and leases to deposits | 90.8724% | 658 |
| Net loans and leases to core deposits | 93.8728% | 986 |
| Total domestic deposits to total assets | 78.6387% | 4,368 |
| Equity capital to assets | 8.8524% | 3,830 |
| Core capital (leverage) ratio | 9.1548% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1447% | 2,610 |
| Memoranda: | ||
| Average total assets | $467,750,500 | 1,783 |
| Average earning assets | $451,402,000 | 1,741 |
| Average equity | $42,915,500 | 1,989 |
| Average total loans | $346,142,000 | 1,574 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 1,316 |
| Cost of funding earning assets | 0.6317% | 2,107 |
| Net interest margin | 3.8689% | 1,311 |
| Noninterest income to average assets | 1.0658% | 936 |
| Noninterest expense to average assets | 3.2351% | 995 |
| Loan and lease loss provision to assets | 0.1810% | 2,131 |
| Net operating income to assets | 1.3814% | 1,062 |
| Return on assets (ROA) | 1.4967% | 894 |
| Pretax return on assets | 1.4967% | 1,333 |
| Return on Equity (ROE) | 15.6802% | 540 |
| Retained earnings to average equity (ytd only) | 11.3010% | 398 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4329% | 2,308 |
| Assets per employee ($millions) | 5.8733% | 2,471 |
| Cash dividends to net income (ytd only)* | 27.9281% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,575 |
| Loan loss allowance to noncurrent loans | 241.3633% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 2,022 |
| Noncurrent loans to loans | 0.4461% | 2,635 |
| Net loans and leases to total assets | 75.0638% | 892 |
| Net loans and leases to deposits | 97.4298% | 486 |
| Net loans and leases to core deposits | 101.8475% | 820 |
| Total domestic deposits to total assets | 77.0441% | 4,406 |
| Equity capital to assets | 9.5282% | 3,580 |
| Core capital (leverage) ratio | 9.1230% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1499% | 2,881 |
| Memoranda: | ||
| Average total assets | $419,865,600 | 1,800 |
| Average earning assets | $404,969,200 | 1,750 |
| Average equity | $40,076,000 | 2,022 |
| Average total loans | $334,004,400 | 1,562 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 982 |
| Cost of funding earning assets | 0.6862% | 2,113 |
| Net interest margin | 4.0542% | 990 |
| Noninterest income to average assets | 0.9689% | 1,084 |
| Noninterest expense to average assets | 3.1722% | 1,119 |
| Loan and lease loss provision to assets | 0.0871% | 3,224 |
| Net operating income to assets | 1.6171% | 693 |
| Return on assets (ROA) | 1.7552% | 564 |
| Pretax return on assets | 1.7552% | 859 |
| Return on Equity (ROE) | 18.3800% | 332 |
| Retained earnings to average equity (ytd only) | 13.8221% | 263 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0523% | 2,586 |
| Assets per employee ($millions) | 5.9563% | 2,303 |
| Cash dividends to net income (ytd only)* | 24.7978% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,075 |
| Loan loss allowance to noncurrent loans | 360.8000% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 1,081 |
| Noncurrent loans to loans | 0.2493% | 3,409 |
| Net loans and leases to total assets | 79.9895% | 620 |
| Net loans and leases to deposits | 104.2478% | 380 |
| Net loans and leases to core deposits | 109.6276% | 713 |
| Total domestic deposits to total assets | 76.7301% | 4,359 |
| Equity capital to assets | 9.6884% | 3,527 |
| Core capital (leverage) ratio | 9.0683% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3293% | 2,833 |
| Memoranda: | ||
| Average total assets | $413,240,000 | 1,800 |
| Average earning assets | $398,290,500 | 1,753 |
| Average equity | $39,462,250 | 2,034 |
| Average total loans | $332,828,500 | 1,566 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 834 |
| Cost of funding earning assets | 0.7777% | 1,949 |
| Net interest margin | 4.2145% | 893 |
| Noninterest income to average assets | 0.8959% | 1,180 |
| Noninterest expense to average assets | 3.1952% | 1,171 |
| Loan and lease loss provision to assets | 0.0887% | 3,167 |
| Net operating income to assets | 1.6717% | 647 |
| Return on assets (ROA) | 1.8825% | 460 |
| Pretax return on assets | 1.8825% | 691 |
| Return on Equity (ROE) | 19.8163% | 255 |
| Retained earnings to average equity (ytd only) | 14.7196% | 236 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4767% | 2,752 |
| Assets per employee ($millions) | 5.8885% | 2,281 |
| Cash dividends to net income (ytd only)* | 25.7195% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,206 |
| Loan loss allowance to noncurrent loans | 259.2561% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1439% | 975 |
| Noncurrent loans to loans | 0.3257% | 3,220 |
| Net loans and leases to total assets | 81.5483% | 450 |
| Net loans and leases to deposits | 104.4349% | 360 |
| Net loans and leases to core deposits | 110.7320% | 711 |
| Total domestic deposits to total assets | 78.0853% | 4,181 |
| Equity capital to assets | 9.2273% | 3,900 |
| Core capital (leverage) ratio | 9.0373% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9758% | 3,165 |
| Memoranda: | ||
| Average total assets | $406,051,000 | 1,793 |
| Average earning assets | $391,129,000 | 1,753 |
| Average equity | $38,574,333 | 2,057 |
| Average total loans | $326,785,667 | 1,565 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,934 |
| Cost of funding earning assets | 0.9707% | 1,561 |
| Net interest margin | 3.3261% | 3,528 |
| Noninterest income to average assets | 0.7778% | 1,374 |
| Noninterest expense to average assets | 3.1618% | 1,505 |
| Loan and lease loss provision to assets | 0.0927% | 2,522 |
| Net operating income to assets | 0.7253% | 3,184 |
| Return on assets (ROA) | 0.7531% | 3,161 |
| Pretax return on assets | 0.7531% | 3,539 |
| Return on Equity (ROE) | 7.8002% | 2,598 |
| Retained earnings to average equity (ytd only) | 7.8002% | 1,292 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4460% | 1,195 |
| Assets per employee ($millions) | 5.2019% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 3,880 |
| Loan loss allowance to noncurrent loans | 373.9950% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 1,043 |
| Noncurrent loans to loans | 0.2573% | 3,572 |
| Net loans and leases to total assets | 78.5244% | 902 |
| Net loans and leases to deposits | 103.7064% | 378 |
| Net loans and leases to core deposits | 110.5400% | 829 |
| Total domestic deposits to total assets | 75.7179% | 4,512 |
| Equity capital to assets | 9.7268% | 4,017 |
| Core capital (leverage) ratio | 9.5704% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0240% | 2,686 |
| Memoranda: | ||
| Average total assets | $388,259,000 | 1,811 |
| Average earning assets | $373,768,500 | 1,767 |
| Average equity | $37,486,000 | 2,094 |
| Average total loans | $308,572,000 | 1,603 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,758 |
| Cost of funding earning assets | 1.2118% | 1,003 |
| Net interest margin | 3.3452% | 3,880 |
| Noninterest income to average assets | 0.5588% | 2,427 |
| Noninterest expense to average assets | 2.7997% | 2,601 |
| Loan and lease loss provision to assets | 0.0919% | 2,193 |
| Net operating income to assets | 0.9083% | 3,174 |
| Return on assets (ROA) | 0.9096% | 3,256 |
| Pretax return on assets | 0.9096% | 3,717 |
| Return on Equity (ROE) | 9.9198% | 2,332 |
| Retained earnings to average equity (ytd only) | 2.2440% | 3,891 |
| Net charge-offs to loans | 0.2940% | 711 |
| Credit loss provision to net charge-offs | 39.1730% | 3,208 |
| Earnings coverage of net charge-offs (x) | 4.2633% | 3,236 |
| Efficiency ratio | 73.6782% | 1,642 |
| Assets per employee ($millions) | 5.1517% | 2,392 |
| Cash dividends to net income (ytd only)* | 77.3786% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 3,793 |
| Loan loss allowance to noncurrent loans | 61.0488% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 887 |
| Noncurrent loans to loans | 1.5363% | 932 |
| Net loans and leases to total assets | 78.9188% | 948 |
| Net loans and leases to deposits | 101.7132% | 489 |
| Net loans and leases to core deposits | 111.0814% | 798 |
| Total domestic deposits to total assets | 77.5896% | 4,416 |
| Equity capital to assets | 9.5823% | 4,285 |
| Core capital (leverage) ratio | 9.4152% | 4,150 |
| Tier 1 risk-based capital ratio | 11.1914% | 4,778 |
| Total risk-based capital ratio | 12.0846% | 4,821 |
| Memoranda: | ||
| Average total assets | $391,715,200 | 1,765 |
| Average earning assets | $379,525,400 | 1,712 |
| Average equity | $35,918,200 | 2,101 |
| Average total loans | $312,572,200 | 1,551 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 2,758 |
| Cost of funding earning assets | 1.2484% | 917 |
| Net interest margin | 3.3408% | 4,011 |
| Noninterest income to average assets | 0.5098% | 2,670 |
| Noninterest expense to average assets | 2.6992% | 2,869 |
| Loan and lease loss provision to assets | 0.0916% | 2,078 |
| Net operating income to assets | 0.9607% | 3,123 |
| Return on assets (ROA) | 0.9624% | 3,193 |
| Pretax return on assets | 0.9624% | 3,705 |
| Return on Equity (ROE) | 10.6128% | 2,165 |
| Retained earnings to average equity (ytd only) | 1.8891% | 4,311 |
| Net charge-offs to loans | 0.0068% | 3,134 |
| Credit loss provision to net charge-offs | 1,687.5000% | 228 |
| Earnings coverage of net charge-offs (x) | 193.9006% | 447 |
| Efficiency ratio | 71.9504% | 1,842 |
| Assets per employee ($millions) | 5.5245% | 2,009 |
| Cash dividends to net income (ytd only)* | 82.1997% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,529 |
| Loan loss allowance to noncurrent loans | 63.6067% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.5042% | 732 |
| Noncurrent loans to loans | 1.8815% | 749 |
| Net loans and leases to total assets | 78.9912% | 993 |
| Net loans and leases to deposits | 102.7812% | 460 |
| Net loans and leases to core deposits | 110.2803% | 939 |
| Total domestic deposits to total assets | 76.8538% | 4,534 |
| Equity capital to assets | 9.4211% | 4,514 |
| Core capital (leverage) ratio | 9.0904% | 4,564 |
| Tier 1 risk-based capital ratio | 11.6602% | 4,588 |
| Total risk-based capital ratio | 12.8628% | 4,512 |
| Memoranda: | ||
| Average total assets | $393,049,500 | 1,776 |
| Average earning assets | $381,373,500 | 1,712 |
| Average equity | $35,641,750 | 2,122 |
| Average total loans | $313,762,250 | 1,558 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 2,754 |
| Cost of funding earning assets | 1.2370% | 900 |
| Net interest margin | 3.3375% | 4,057 |
| Noninterest income to average assets | 0.4626% | 2,896 |
| Noninterest expense to average assets | 2.6313% | 3,118 |
| Loan and lease loss provision to assets | 0.0911% | 2,033 |
| Net operating income to assets | 0.9793% | 2,996 |
| Return on assets (ROA) | 0.9793% | 3,064 |
| Pretax return on assets | 0.9793% | 3,618 |
| Return on Equity (ROE) | 10.9390% | 2,002 |
| Retained earnings to average equity (ytd only) | 0.1639% | 4,650 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0829% | 2,059 |
| Assets per employee ($millions) | 5.5879% | 1,884 |
| Cash dividends to net income (ytd only)* | 98.5013% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 2,855 |
| Loan loss allowance to noncurrent loans | 48.1920% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8959% | 513 |
| Noncurrent loans to loans | 2.3603% | 536 |
| Net loans and leases to total assets | 79.4113% | 983 |
| Net loans and leases to deposits | 103.5609% | 444 |
| Net loans and leases to core deposits | 113.0192% | 817 |
| Total domestic deposits to total assets | 76.6808% | 4,598 |
| Equity capital to assets | 9.0295% | 4,779 |
| Core capital (leverage) ratio | 8.9644% | 4,653 |
| Tier 1 risk-based capital ratio | 10.5576% | 5,086 |
| Total risk-based capital ratio | 11.6388% | 5,062 |
| Memoranda: | ||
| Average total assets | $395,161,000 | 1,778 |
| Average earning assets | $383,519,000 | 1,713 |
| Average equity | $35,378,000 | 2,123 |
| Average total loans | $315,292,670 | 1,562 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 2,919 |
| Cost of funding earning assets | 1.2273% | 831 |
| Net interest margin | 3.2579% | 4,259 |
| Noninterest income to average assets | 0.4088% | 3,129 |
| Noninterest expense to average assets | 2.5479% | 3,377 |
| Loan and lease loss provision to assets | 0.0913% | 1,892 |
| Net operating income to assets | 0.9250% | 3,139 |
| Return on assets (ROA) | 0.9250% | 3,177 |
| Pretax return on assets | 0.9250% | 3,674 |
| Return on Equity (ROE) | 10.3769% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.1367% | 1,268 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4855% | 2,115 |
| Assets per employee ($millions) | 5.8760% | 1,646 |
| Cash dividends to net income (ytd only)* | 11.9518% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,042 |
| Loan loss allowance to noncurrent loans | 73.9540% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 1,125 |
| Noncurrent loans to loans | 1.5080% | 1,064 |
| Net loans and leases to total assets | 78.4465% | 1,080 |
| Net loans and leases to deposits | 102.0574% | 496 |
| Net loans and leases to core deposits | 107.9177% | 1,057 |
| Total domestic deposits to total assets | 76.8650% | 4,666 |
| Equity capital to assets | 8.9990% | 4,683 |
| Core capital (leverage) ratio | 9.1159% | 4,556 |
| Tier 1 risk-based capital ratio | 10.7201% | 5,101 |
| Total risk-based capital ratio | 11.7678% | 5,079 |
| Memoranda: | ||
| Average total assets | $394,370,500 | 1,788 |
| Average earning assets | $381,963,500 | 1,724 |
| Average equity | $35,155,000 | 2,134 |
| Average total loans | $313,597,500 | 1,578 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,839 |
| Cost of funding earning assets | 0.9516% | 920 |
| Net interest margin | 3.7425% | 2,890 |
| Noninterest income to average assets | 0.7697% | 1,569 |
| Noninterest expense to average assets | 3.0387% | 1,972 |
| Loan and lease loss provision to assets | 0.0859% | 2,420 |
| Net operating income to assets | 1.2609% | 1,943 |
| Return on assets (ROA) | 1.2625% | 1,931 |
| Pretax return on assets | 1.2601% | 2,654 |
| Return on Equity (ROE) | 14.3357% | 968 |
| Retained earnings to average equity (ytd only) | 8.7033% | 977 |
| Net charge-offs to loans | 0.0299% | 2,804 |
| Credit loss provision to net charge-offs | 367.8161% | 872 |
| Earnings coverage of net charge-offs (x) | 57.5402% | 1,048 |
| Efficiency ratio | 69.3279% | 2,321 |
| Assets per employee ($millions) | 5.8086% | 1,667 |
| Cash dividends to net income (ytd only)* | 39.2895% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,030 |
| Loan loss allowance to noncurrent loans | 1,447.8992% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 4,534 |
| Noncurrent loans to loans | 0.0767% | 4,413 |
| Net loans and leases to total assets | 78.8254% | 1,134 |
| Net loans and leases to deposits | 101.5459% | 625 |
| Net loans and leases to core deposits | 108.4964% | 1,087 |
| Total domestic deposits to total assets | 77.6254% | 4,544 |
| Equity capital to assets | 8.8272% | 4,711 |
| Core capital (leverage) ratio | 9.2136% | 4,438 |
| Tier 1 risk-based capital ratio | 10.6976% | 5,111 |
| Total risk-based capital ratio | 11.7399% | 5,081 |
| Memoranda: | ||
| Average total assets | $372,361,600 | 1,819 |
| Average earning assets | $359,515,800 | 1,772 |
| Average equity | $32,792,200 | 2,165 |
| Average total loans | $291,416,800 | 1,632 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,177 |
| Cost of funding earning assets | 0.8941% | 947 |
| Net interest margin | 3.3451% | 4,167 |
| Noninterest income to average assets | 0.7134% | 1,821 |
| Noninterest expense to average assets | 2.8367% | 2,506 |
| Loan and lease loss provision to assets | 0.0869% | 2,235 |
| Net operating income to assets | 1.0198% | 3,006 |
| Return on assets (ROA) | 1.0242% | 3,001 |
| Pretax return on assets | 1.0256% | 3,646 |
| Return on Equity (ROE) | 11.6368% | 1,936 |
| Retained earnings to average equity (ytd only) | 5.8349% | 2,739 |
| Net charge-offs to loans | 0.0358% | 2,365 |
| Credit loss provision to net charge-offs | 311.6883% | 994 |
| Earnings coverage of net charge-offs (x) | 39.7419% | 1,366 |
| Efficiency ratio | 71.9086% | 1,892 |
| Assets per employee ($millions) | 5.4079% | 2,010 |
| Cash dividends to net income (ytd only)* | 49.8585% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,037 |
| Loan loss allowance to noncurrent loans | 1,273.9623% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,632 |
| Noncurrent loans to loans | 0.0885% | 4,488 |
| Net loans and leases to total assets | 78.1728% | 1,321 |
| Net loans and leases to deposits | 101.1834% | 693 |
| Net loans and leases to core deposits | 106.7646% | 1,246 |
| Total domestic deposits to total assets | 77.2585% | 4,606 |
| Equity capital to assets | 8.5612% | 4,886 |
| Core capital (leverage) ratio | 8.9849% | 4,721 |
| Tier 1 risk-based capital ratio | 10.8623% | 5,093 |
| Total risk-based capital ratio | 11.9430% | 5,082 |
| Memoranda: | ||
| Average total assets | $368,158,750 | 1,847 |
| Average earning assets | $355,660,750 | 1,789 |
| Average equity | $32,402,000 | 2,193 |
| Average total loans | $286,717,750 | 1,657 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 3,314 |
| Cost of funding earning assets | 0.8224% | 1,034 |
| Net interest margin | 3.3178% | 4,198 |
| Noninterest income to average assets | 0.7266% | 1,757 |
| Noninterest expense to average assets | 2.8715% | 2,432 |
| Loan and lease loss provision to assets | 0.0877% | 2,161 |
| Net operating income to assets | 0.9657% | 3,163 |
| Return on assets (ROA) | 0.9674% | 3,159 |
| Pretax return on assets | 0.9685% | 3,756 |
| Return on Equity (ROE) | 10.8890% | 2,158 |
| Retained earnings to average equity (ytd only) | 4.8766% | 3,139 |
| Net charge-offs to loans | 0.0545% | 1,820 |
| Credit loss provision to net charge-offs | 207.7922% | 1,272 |
| Earnings coverage of net charge-offs (x) | 24.9740% | 1,654 |
| Efficiency ratio | 73.1387% | 1,829 |
| Assets per employee ($millions) | 5.2661% | 2,136 |
| Cash dividends to net income (ytd only)* | 55.2154% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,160 |
| Loan loss allowance to noncurrent loans | 1,211.7647% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 4,647 |
| Noncurrent loans to loans | 0.0922% | 4,503 |
| Net loans and leases to total assets | 78.0186% | 1,309 |
| Net loans and leases to deposits | 102.5668% | 621 |
| Net loans and leases to core deposits | 106.0271% | 1,244 |
| Total domestic deposits to total assets | 76.0661% | 4,848 |
| Equity capital to assets | 8.6263% | 4,859 |
| Core capital (leverage) ratio | 9.1779% | 4,490 |
| Tier 1 risk-based capital ratio | 10.8166% | 5,146 |
| Total risk-based capital ratio | 11.8871% | 5,111 |
| Memoranda: | ||
| Average total assets | $364,693,330 | 1,869 |
| Average earning assets | $351,674,670 | 1,814 |
| Average equity | $32,399,670 | 2,203 |
| Average total loans | $282,522,670 | 1,679 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 3,146 |
| Cost of funding earning assets | 0.7688% | 1,101 |
| Net interest margin | 3.3560% | 4,034 |
| Noninterest income to average assets | 0.6209% | 2,166 |
| Noninterest expense to average assets | 2.8382% | 2,576 |
| Loan and lease loss provision to assets | 0.0889% | 2,028 |
| Net operating income to assets | 0.9320% | 3,149 |
| Return on assets (ROA) | 0.9353% | 3,147 |
| Pretax return on assets | 0.9364% | 3,738 |
| Return on Equity (ROE) | 10.3717% | 2,244 |
| Retained earnings to average equity (ytd only) | 10.0637% | 1,136 |
| Net charge-offs to loans | 0.0043% | 2,582 |
| Credit loss provision to net charge-offs | 2,666.6667% | 143 |
| Earnings coverage of net charge-offs (x) | 306.6667% | 226 |
| Efficiency ratio | 73.5252% | 1,963 |
| Assets per employee ($millions) | 5.1983% | 2,256 |
| Cash dividends to net income (ytd only)* | 2.9691% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,907 |
| Loan loss allowance to noncurrent loans | 884.4086% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,572 |
| Noncurrent loans to loans | 0.1339% | 4,369 |
| Net loans and leases to total assets | 75.4714% | 1,625 |
| Net loans and leases to deposits | 91.0504% | 1,553 |
| Net loans and leases to core deposits | 114.2313% | 793 |
| Total domestic deposits to total assets | 82.8898% | 3,704 |
| Equity capital to assets | 8.9271% | 4,634 |
| Core capital (leverage) ratio | 9.2480% | 4,383 |
| Tier 1 risk-based capital ratio | 11.6714% | 4,754 |
| Total risk-based capital ratio | 12.8235% | 4,714 |
| Memoranda: | ||
| Average total assets | $360,093,500 | 1,898 |
| Average earning assets | $347,552,000 | 1,840 |
| Average equity | $32,473,000 | 2,209 |
| Average total loans | $276,283,000 | 1,710 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 2,731 |
| Cost of funding earning assets | 0.6839% | 1,118 |
| Net interest margin | 3.5048% | 3,512 |
| Noninterest income to average assets | 0.6386% | 2,256 |
| Noninterest expense to average assets | 2.8530% | 2,599 |
| Loan and lease loss provision to assets | 0.1016% | 2,195 |
| Net operating income to assets | 1.0621% | 2,011 |
| Return on assets (ROA) | 1.0621% | 2,031 |
| Pretax return on assets | 1.0635% | 3,329 |
| Return on Equity (ROE) | 11.8369% | 1,256 |
| Retained earnings to average equity (ytd only) | 6.5977% | 1,231 |
| Net charge-offs to loans | 0.0011% | 4,087 |
| Credit loss provision to net charge-offs | 12,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,376.3333% | 54 |
| Efficiency ratio | 71.0042% | 2,400 |
| Assets per employee ($millions) | 5.5673% | 1,871 |
| Cash dividends to net income (ytd only)* | 44.2614% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,952 |
| Loan loss allowance to noncurrent loans | 295.5842% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 3,664 |
| Noncurrent loans to loans | 0.3958% | 3,340 |
| Net loans and leases to total assets | 76.1808% | 1,558 |
| Net loans and leases to deposits | 94.3945% | 1,232 |
| Net loans and leases to core deposits | 111.4699% | 926 |
| Total domestic deposits to total assets | 80.7047% | 4,189 |
| Equity capital to assets | 9.1107% | 4,607 |
| Core capital (leverage) ratio | 8.9668% | 4,690 |
| Tier 1 risk-based capital ratio | 11.5933% | 4,796 |
| Total risk-based capital ratio | 12.7389% | 4,751 |
| Memoranda: | ||
| Average total assets | $354,395,800 | 1,896 |
| Average earning assets | $341,731,400 | 1,831 |
| Average equity | $31,799,000 | 2,232 |
| Average total loans | $267,252,000 | 1,722 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 2,893 |
| Cost of funding earning assets | 0.6656% | 1,145 |
| Net interest margin | 3.4605% | 3,637 |
| Noninterest income to average assets | 0.6506% | 2,207 |
| Noninterest expense to average assets | 2.7041% | 3,055 |
| Loan and lease loss provision to assets | 0.1055% | 2,004 |
| Net operating income to assets | 1.1712% | 1,800 |
| Return on assets (ROA) | 1.1712% | 1,841 |
| Pretax return on assets | 1.1727% | 3,011 |
| Return on Equity (ROE) | 13.1040% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.8354% | 1,285 |
| Net charge-offs to loans | 0.0015% | 3,723 |
| Credit loss provision to net charge-offs | 9,333.3333% | 50 |
| Earnings coverage of net charge-offs (x) | 1,130.9725% | 89 |
| Efficiency ratio | 67.9028% | 2,887 |
| Assets per employee ($millions) | 5.9550% | 1,527 |
| Cash dividends to net income (ytd only)* | 40.2060% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,282 |
| Loan loss allowance to noncurrent loans | 1,102.8169% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,851 |
| Noncurrent loans to loans | 0.1029% | 4,649 |
| Net loans and leases to total assets | 75.1469% | 1,734 |
| Net loans and leases to deposits | 94.1722% | 1,283 |
| Net loans and leases to core deposits | 117.6520% | 674 |
| Total domestic deposits to total assets | 79.7974% | 4,362 |
| Equity capital to assets | 9.0578% | 4,865 |
| Core capital (leverage) ratio | 8.9204% | 4,836 |
| Tier 1 risk-based capital ratio | 11.5532% | 4,925 |
| Total risk-based capital ratio | 12.6743% | 4,889 |
| Memoranda: | ||
| Average total assets | $353,918,500 | 1,905 |
| Average earning assets | $340,755,750 | 1,852 |
| Average equity | $31,633,250 | 2,259 |
| Average total loans | $265,402,750 | 1,743 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 2,652 |
| Cost of funding earning assets | 0.6325% | 1,248 |
| Net interest margin | 3.5215% | 3,319 |
| Noninterest income to average assets | 0.5684% | 2,613 |
| Noninterest expense to average assets | 2.6989% | 3,091 |
| Loan and lease loss provision to assets | 0.1140% | 1,800 |
| Net operating income to assets | 1.1476% | 1,788 |
| Return on assets (ROA) | 1.1476% | 1,836 |
| Pretax return on assets | 1.1488% | 2,983 |
| Return on Equity (ROE) | 12.8997% | 1,063 |
| Retained earnings to average equity (ytd only) | 7.5617% | 1,326 |
| Net charge-offs to loans | 0.0023% | 3,432 |
| Credit loss provision to net charge-offs | 6,666.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 738.3333% | 107 |
| Efficiency ratio | 68.1249% | 2,989 |
| Assets per employee ($millions) | 5.8252% | 1,595 |
| Cash dividends to net income (ytd only)* | 41.3810% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,328 |
| Loan loss allowance to noncurrent loans | 790.6736% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 4,591 |
| Noncurrent loans to loans | 0.1452% | 4,537 |
| Net loans and leases to total assets | 73.9612% | 1,876 |
| Net loans and leases to deposits | 92.8340% | 1,380 |
| Net loans and leases to core deposits | 112.9825% | 850 |
| Total domestic deposits to total assets | 79.6704% | 4,489 |
| Equity capital to assets | 9.1403% | 4,765 |
| Core capital (leverage) ratio | 8.9589% | 4,768 |
| Tier 1 risk-based capital ratio | 11.9150% | 4,692 |
| Total risk-based capital ratio | 13.0663% | 4,636 |
| Memoranda: | ||
| Average total assets | $350,806,330 | 1,922 |
| Average earning assets | $338,040,000 | 1,866 |
| Average equity | $31,210,000 | 2,277 |
| Average total loans | $261,834,670 | 1,756 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,425 |
| Cost of funding earning assets | 0.6066% | 1,330 |
| Net interest margin | 3.5541% | 3,066 |
| Noninterest income to average assets | 0.5968% | 2,433 |
| Noninterest expense to average assets | 2.7096% | 3,106 |
| Loan and lease loss provision to assets | 0.1377% | 1,383 |
| Net operating income to assets | 1.1775% | 1,565 |
| Return on assets (ROA) | 1.1775% | 1,607 |
| Pretax return on assets | 1.1786% | 2,686 |
| Return on Equity (ROE) | 13.4225% | 919 |
| Retained earnings to average equity (ytd only) | 7.9672% | 1,474 |
| Net charge-offs to loans | -0.0015% | 3,986 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3033% | 3,301 |
| Assets per employee ($millions) | 5.8206% | 1,633 |
| Cash dividends to net income (ytd only)* | 40.6433% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,600 |
| Loan loss allowance to noncurrent loans | 1,012.2449% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,667 |
| Noncurrent loans to loans | 0.1105% | 4,751 |
| Net loans and leases to total assets | 74.0887% | 1,720 |
| Net loans and leases to deposits | 91.9580% | 1,331 |
| Net loans and leases to core deposits | 110.7274% | 847 |
| Total domestic deposits to total assets | 80.5680% | 4,506 |
| Equity capital to assets | 8.7578% | 5,033 |
| Core capital (leverage) ratio | 9.0050% | 4,732 |
| Tier 1 risk-based capital ratio | 11.5881% | 4,980 |
| Total risk-based capital ratio | 12.6996% | 4,956 |
| Memoranda: | ||
| Average total assets | $348,540,000 | 1,941 |
| Average earning assets | $336,283,500 | 1,882 |
| Average equity | $30,575,500 | 2,331 |
| Average total loans | $259,819,500 | 1,775 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,109 |
| Cost of funding earning assets | 0.6026% | 1,313 |
| Net interest margin | 3.4238% | 3,734 |
| Noninterest income to average assets | 0.5146% | 3,133 |
| Noninterest expense to average assets | 2.5763% | 3,754 |
| Loan and lease loss provision to assets | 0.1295% | 1,921 |
| Net operating income to assets | 1.1254% | 1,799 |
| Return on assets (ROA) | 1.1254% | 1,881 |
| Pretax return on assets | 1.1254% | 2,994 |
| Return on Equity (ROE) | 12.4347% | 1,134 |
| Retained earnings to average equity (ytd only) | 6.0044% | 1,700 |
| Net charge-offs to loans | 0.0048% | 4,082 |
| Credit loss provision to net charge-offs | 3,666.6667% | 119 |
| Earnings coverage of net charge-offs (x) | 355.4167% | 227 |
| Efficiency ratio | 67.2452% | 3,393 |
| Assets per employee ($millions) | 5.4290% | 1,922 |
| Cash dividends to net income (ytd only)* | 51.7124% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,569 |
| Loan loss allowance to noncurrent loans | 421.7134% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 4,224 |
| Noncurrent loans to loans | 0.2669% | 4,197 |
| Net loans and leases to total assets | 73.3140% | 1,959 |
| Net loans and leases to deposits | 94.4502% | 1,153 |
| Net loans and leases to core deposits | 105.2739% | 1,175 |
| Total domestic deposits to total assets | 77.6219% | 5,027 |
| Equity capital to assets | 8.7876% | 5,028 |
| Core capital (leverage) ratio | 9.0036% | 4,744 |
| Tier 1 risk-based capital ratio | 11.7890% | 4,872 |
| Total risk-based capital ratio | 12.8955% | 4,866 |
| Memoranda: | ||
| Average total assets | $339,871,400 | 1,949 |
| Average earning assets | $329,226,600 | 1,873 |
| Average equity | $30,760,600 | 2,305 |
| Average total loans | $251,401,400 | 1,784 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,153 |
| Cost of funding earning assets | 0.6114% | 1,258 |
| Net interest margin | 3.4066% | 3,816 |
| Noninterest income to average assets | 0.5073% | 3,198 |
| Noninterest expense to average assets | 2.5756% | 3,743 |
| Loan and lease loss provision to assets | 0.1257% | 1,856 |
| Net operating income to assets | 1.1108% | 1,945 |
| Return on assets (ROA) | 1.1108% | 2,050 |
| Pretax return on assets | 1.1120% | 3,180 |
| Return on Equity (ROE) | 12.1837% | 1,266 |
| Retained earnings to average equity (ytd only) | 5.7104% | 2,350 |
| Net charge-offs to loans | 0.0037% | 3,793 |
| Credit loss provision to net charge-offs | 4,571.4286% | 118 |
| Earnings coverage of net charge-offs (x) | 450.1501% | 198 |
| Efficiency ratio | 67.5425% | 3,312 |
| Assets per employee ($millions) | 5.4379% | 1,916 |
| Cash dividends to net income (ytd only)* | 53.1306% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,880 |
| Loan loss allowance to noncurrent loans | 391.4286% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 4,215 |
| Noncurrent loans to loans | 0.2786% | 4,263 |
| Net loans and leases to total assets | 73.7174% | 1,916 |
| Net loans and leases to deposits | 92.2722% | 1,463 |
| Net loans and leases to core deposits | 106.7379% | 1,129 |
| Total domestic deposits to total assets | 79.8913% | 4,533 |
| Equity capital to assets | 9.3484% | 4,824 |
| Core capital (leverage) ratio | 8.9394% | 4,897 |
| Tier 1 risk-based capital ratio | 11.6239% | 5,022 |
| Total risk-based capital ratio | 12.6894% | 5,030 |
| Memoranda: | ||
| Average total assets | $339,332,750 | 1,958 |
| Average earning assets | $329,310,000 | 1,878 |
| Average equity | $30,936,750 | 2,306 |
| Average total loans | $250,849,750 | 1,788 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,114 |
| Cost of funding earning assets | 0.6211% | 1,188 |
| Net interest margin | 3.4158% | 3,829 |
| Noninterest income to average assets | 0.5070% | 3,145 |
| Noninterest expense to average assets | 2.5290% | 3,952 |
| Loan and lease loss provision to assets | 0.1176% | 1,934 |
| Net operating income to assets | 1.1710% | 1,695 |
| Return on assets (ROA) | 1.1710% | 1,794 |
| Pretax return on assets | 1.1727% | 2,889 |
| Return on Equity (ROE) | 12.9525% | 1,045 |
| Retained earnings to average equity (ytd only) | 6.2779% | 1,969 |
| Net charge-offs to loans | -0.0024% | 4,387 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2150% | 3,651 |
| Assets per employee ($millions) | 5.5676% | 1,726 |
| Cash dividends to net income (ytd only)* | 51.5319% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 4,075 |
| Loan loss allowance to noncurrent loans | 346.0526% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,207 |
| Noncurrent loans to loans | 0.3110% | 4,250 |
| Net loans and leases to total assets | 72.3659% | 2,112 |
| Net loans and leases to deposits | 90.7407% | 1,663 |
| Net loans and leases to core deposits | 104.8172% | 1,260 |
| Total domestic deposits to total assets | 79.7502% | 4,614 |
| Equity capital to assets | 9.3645% | 4,900 |
| Core capital (leverage) ratio | 8.8509% | 4,998 |
| Tier 1 risk-based capital ratio | 12.0726% | 4,783 |
| Total risk-based capital ratio | 13.1477% | 4,795 |
| Memoranda: | ||
| Average total assets | $340,061,330 | 1,959 |
| Average earning assets | $329,758,670 | 1,880 |
| Average equity | $30,743,000 | 2,322 |
| Average total loans | $250,707,670 | 1,796 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,466 |
| Cost of funding earning assets | 0.6019% | 1,322 |
| Net interest margin | 3.3272% | 4,116 |
| Noninterest income to average assets | 0.4909% | 3,190 |
| Noninterest expense to average assets | 2.4684% | 4,171 |
| Loan and lease loss provision to assets | 0.1399% | 1,503 |
| Net operating income to assets | 1.1170% | 1,842 |
| Return on assets (ROA) | 1.1170% | 1,942 |
| Pretax return on assets | 1.1182% | 3,024 |
| Return on Equity (ROE) | 12.5751% | 1,133 |
| Retained earnings to average equity (ytd only) | 11.5906% | 562 |
| Net charge-offs to loans | 0.0032% | 3,011 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 539.5000% | 99 |
| Efficiency ratio | 66.2390% | 3,758 |
| Assets per employee ($millions) | 6.4054% | 1,160 |
| Cash dividends to net income (ytd only)* | 7.8288% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 4,610 |
| Loan loss allowance to noncurrent loans | 309.9878% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 4,249 |
| Noncurrent loans to loans | 0.3227% | 4,276 |
| Net loans and leases to total assets | 72.8157% | 1,901 |
| Net loans and leases to deposits | 89.3690% | 1,652 |
| Net loans and leases to core deposits | 107.8309% | 978 |
| Total domestic deposits to total assets | 81.4776% | 4,362 |
| Equity capital to assets | 8.9715% | 5,196 |
| Core capital (leverage) ratio | 8.7486% | 5,128 |
| Tier 1 risk-based capital ratio | 11.5534% | 5,201 |
| Total risk-based capital ratio | 12.5522% | 5,246 |
| Memoranda: | ||
| Average total assets | $343,063,000 | 1,953 |
| Average earning assets | $333,615,500 | 1,864 |
| Average equity | $30,473,000 | 2,341 |
| Average total loans | $253,874,500 | 1,771 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,231 |
| Cost of funding earning assets | 0.6061% | 1,330 |
| Net interest margin | 3.4152% | 3,848 |
| Noninterest income to average assets | 0.6224% | 2,606 |
| Noninterest expense to average assets | 2.5576% | 4,048 |
| Loan and lease loss provision to assets | 0.1592% | 1,454 |
| Net operating income to assets | 1.2193% | 1,485 |
| Return on assets (ROA) | 1.2193% | 1,550 |
| Pretax return on assets | 1.2286% | 2,553 |
| Return on Equity (ROE) | 13.2516% | 1,002 |
| Retained earnings to average equity (ytd only) | 1.7941% | 4,710 |
| Net charge-offs to loans | 0.1670% | 1,693 |
| Credit loss provision to net charge-offs | 130.2799% | 2,010 |
| Earnings coverage of net charge-offs (x) | 11.3588% | 2,590 |
| Efficiency ratio | 64.7152% | 4,129 |
| Assets per employee ($millions) | 6.1860% | 1,266 |
| Cash dividends to net income (ytd only)* | 86.4610% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,823 |
| Loan loss allowance to noncurrent loans | 262.6623% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 4,011 |
| Noncurrent loans to loans | 0.3647% | 4,142 |
| Net loans and leases to total assets | 73.7473% | 1,769 |
| Net loans and leases to deposits | 92.3911% | 1,357 |
| Net loans and leases to core deposits | 108.8286% | 929 |
| Total domestic deposits to total assets | 79.8208% | 4,788 |
| Equity capital to assets | 8.7922% | 5,314 |
| Core capital (leverage) ratio | 8.7102% | 5,202 |
| Tier 1 risk-based capital ratio | 11.2694% | 5,390 |
| Total risk-based capital ratio | 12.2268% | 5,436 |
| Memoranda: | ||
| Average total assets | $321,671,600 | 2,037 |
| Average earning assets | $312,978,800 | 1,936 |
| Average equity | $29,596,400 | 2,348 |
| Average total loans | $235,293,600 | 1,835 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,177 |
| Cost of funding earning assets | 0.6058% | 1,373 |
| Net interest margin | 3.4326% | 3,825 |
| Noninterest income to average assets | 0.6922% | 2,267 |
| Noninterest expense to average assets | 2.6138% | 3,822 |
| Loan and lease loss provision to assets | 0.1325% | 1,688 |
| Net operating income to assets | 1.2772% | 1,402 |
| Return on assets (ROA) | 1.2772% | 1,461 |
| Pretax return on assets | 1.2869% | 2,444 |
| Return on Equity (ROE) | 13.7183% | 960 |
| Retained earnings to average equity (ytd only) | 0.5285% | 5,465 |
| Net charge-offs to loans | 0.0081% | 3,887 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 241.0225% | 297 |
| Efficiency ratio | 64.6715% | 4,118 |
| Assets per employee ($millions) | 6.3514% | 1,150 |
| Cash dividends to net income (ytd only)* | 96.1477% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 4,216 |
| Loan loss allowance to noncurrent loans | 191.5565% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 3,282 |
| Noncurrent loans to loans | 0.5754% | 3,608 |
| Net loans and leases to total assets | 72.2669% | 2,016 |
| Net loans and leases to deposits | 88.8798% | 1,784 |
| Net loans and leases to core deposits | 105.0589% | 1,164 |
| Total domestic deposits to total assets | 81.3085% | 4,389 |
| Equity capital to assets | 9.1883% | 5,130 |
| Core capital (leverage) ratio | 8.7602% | 5,289 |
| Tier 1 risk-based capital ratio | 11.7227% | 5,252 |
| Total risk-based capital ratio | 12.8090% | 5,269 |
| Memoranda: | ||
| Average total assets | $317,031,500 | 2,076 |
| Average earning assets | $308,562,500 | 1,983 |
| Average equity | $29,517,000 | 2,364 |
| Average total loans | $230,782,250 | 1,870 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,126 |
| Cost of funding earning assets | 0.5826% | 1,543 |
| Net interest margin | 3.4575% | 3,671 |
| Noninterest income to average assets | 0.6939% | 2,242 |
| Noninterest expense to average assets | 2.5869% | 3,948 |
| Loan and lease loss provision to assets | 0.1334% | 1,640 |
| Net operating income to assets | 1.3281% | 1,244 |
| Return on assets (ROA) | 1.3281% | 1,292 |
| Pretax return on assets | 1.3376% | 2,217 |
| Return on Equity (ROE) | 14.2008% | 863 |
| Retained earnings to average equity (ytd only) | -2.4393% | 5,868 |
| Net charge-offs to loans | -0.0087% | 4,885 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5453% | 4,421 |
| Assets per employee ($millions) | 6.0466% | 1,317 |
| Cash dividends to net income (ytd only)* | 117.1770% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 4,455 |
| Loan loss allowance to noncurrent loans | 222.9277% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,925 |
| Noncurrent loans to loans | 0.4832% | 4,024 |
| Net loans and leases to total assets | 72.4384% | 1,908 |
| Net loans and leases to deposits | 88.9304% | 1,730 |
| Net loans and leases to core deposits | 105.2707% | 1,110 |
| Total domestic deposits to total assets | 81.4551% | 4,463 |
| Equity capital to assets | 9.0330% | 5,206 |
| Core capital (leverage) ratio | 8.7148% | 5,304 |
| Tier 1 risk-based capital ratio | 11.9844% | 5,167 |
| Total risk-based capital ratio | 13.0789% | 5,162 |
| Memoranda: | ||
| Average total assets | $314,734,330 | 2,102 |
| Average earning assets | $306,236,330 | 2,007 |
| Average equity | $29,435,000 | 2,382 |
| Average total loans | $228,810,330 | 1,891 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 3,242 |
| Cost of funding earning assets | 0.5678% | 1,678 |
| Net interest margin | 3.4280% | 3,726 |
| Noninterest income to average assets | 0.8991% | 1,387 |
| Noninterest expense to average assets | 2.7255% | 3,502 |
| Loan and lease loss provision to assets | 0.1347% | 1,535 |
| Net operating income to assets | 1.3673% | 1,100 |
| Return on assets (ROA) | 1.3673% | 1,162 |
| Pretax return on assets | 1.3762% | 1,974 |
| Return on Equity (ROE) | 14.3673% | 811 |
| Retained earnings to average equity (ytd only) | -5.9572% | 5,985 |
| Net charge-offs to loans | -0.0035% | 4,425 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0932% | 4,468 |
| Assets per employee ($millions) | 6.1418% | 1,301 |
| Cash dividends to net income (ytd only)* | 141.4634% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 4,800 |
| Loan loss allowance to noncurrent loans | 197.9508% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 3,893 |
| Noncurrent loans to loans | 0.5272% | 3,988 |
| Net loans and leases to total assets | 71.7076% | 1,855 |
| Net loans and leases to deposits | 87.6593% | 1,652 |
| Net loans and leases to core deposits | 105.1622% | 994 |
| Total domestic deposits to total assets | 81.8026% | 4,567 |
| Equity capital to assets | 9.2869% | 4,989 |
| Core capital (leverage) ratio | 8.9144% | 5,058 |
| Tier 1 risk-based capital ratio | 12.0766% | 5,188 |
| Total risk-based capital ratio | 13.1336% | 5,208 |
| Memoranda: | ||
| Average total assets | $311,866,000 | 2,127 |
| Average earning assets | $303,613,500 | 2,031 |
| Average equity | $29,678,500 | 2,376 |
| Average total loans | $225,879,500 | 1,907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 3,107 |
| Cost of funding earning assets | 0.5885% | 1,872 |
| Net interest margin | 3.5662% | 3,536 |
| Noninterest income to average assets | 0.4768% | 3,668 |
| Noninterest expense to average assets | 2.5237% | 4,469 |
| Loan and lease loss provision to assets | 0.1331% | 1,965 |
| Net operating income to assets | 1.2670% | 1,381 |
| Return on assets (ROA) | 1.2817% | 1,394 |
| Pretax return on assets | 1.2921% | 2,266 |
| Return on Equity (ROE) | 12.9439% | 1,156 |
| Retained earnings to average equity (ytd only) | 6.4981% | 1,639 |
| Net charge-offs to loans | 0.2425% | 1,754 |
| Credit loss provision to net charge-offs | 79.8755% | 2,869 |
| Earnings coverage of net charge-offs (x) | 8.4627% | 2,876 |
| Efficiency ratio | 63.8689% | 4,608 |
| Assets per employee ($millions) | 5.7426% | 1,566 |
| Cash dividends to net income (ytd only)* | 49.7977% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,821 |
| Loan loss allowance to noncurrent loans | 211.7431% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 4,070 |
| Noncurrent loans to loans | 0.4947% | 4,177 |
| Net loans and leases to total assets | 71.6330% | 1,966 |
| Net loans and leases to deposits | 88.3882% | 1,693 |
| Net loans and leases to core deposits | 103.4697% | 1,153 |
| Total domestic deposits to total assets | 81.0436% | 4,733 |
| Equity capital to assets | 9.7573% | 4,410 |
| Core capital (leverage) ratio | 9.3280% | 4,498 |
| Tier 1 risk-based capital ratio | 13.4554% | 4,445 |
| Total risk-based capital ratio | 14.5636% | 4,462 |
| Memoranda: | ||
| Average total assets | $289,222,400 | 2,221 |
| Average earning assets | $280,384,600 | 2,123 |
| Average equity | $28,639,000 | 2,367 |
| Average total loans | $198,760,600 | 2,051 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,212 |
| Cost of funding earning assets | 0.5949% | 1,885 |
| Net interest margin | 3.5445% | 3,649 |
| Noninterest income to average assets | 0.4638% | 3,778 |
| Noninterest expense to average assets | 2.5429% | 4,384 |
| Loan and lease loss provision to assets | 0.1471% | 1,703 |
| Net operating income to assets | 1.1949% | 1,692 |
| Return on assets (ROA) | 1.2037% | 1,736 |
| Pretax return on assets | 1.2140% | 2,721 |
| Return on Equity (ROE) | 12.1091% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.6058% | 2,668 |
| Net charge-offs to loans | 0.2096% | 1,796 |
| Credit loss provision to net charge-offs | 103.6184% | 2,133 |
| Earnings coverage of net charge-offs (x) | 9.5231% | 2,661 |
| Efficiency ratio | 64.9958% | 4,373 |
| Assets per employee ($millions) | 5.5053% | 1,718 |
| Cash dividends to net income (ytd only)* | 53.7060% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,344 |
| Loan loss allowance to noncurrent loans | 107.8090% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 2,917 |
| Noncurrent loans to loans | 1.0936% | 2,881 |
| Net loans and leases to total assets | 69.4016% | 2,288 |
| Net loans and leases to deposits | 86.1960% | 1,886 |
| Net loans and leases to core deposits | 104.6106% | 1,061 |
| Total domestic deposits to total assets | 80.5160% | 4,961 |
| Equity capital to assets | 9.9742% | 4,192 |
| Core capital (leverage) ratio | 9.4962% | 4,378 |
| Tier 1 risk-based capital ratio | 14.1576% | 4,102 |
| Total risk-based capital ratio | 15.4078% | 4,033 |
| Memoranda: | ||
| Average total assets | $285,438,750 | 2,254 |
| Average earning assets | $276,329,250 | 2,170 |
| Average equity | $28,374,500 | 2,393 |
| Average total loans | $193,368,750 | 2,099 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 3,314 |
| Cost of funding earning assets | 0.5981% | 1,913 |
| Net interest margin | 3.5082% | 3,755 |
| Noninterest income to average assets | 0.4666% | 3,740 |
| Noninterest expense to average assets | 2.5278% | 4,489 |
| Loan and lease loss provision to assets | 0.1482% | 1,665 |
| Net operating income to assets | 1.1712% | 1,684 |
| Return on assets (ROA) | 1.1845% | 1,713 |
| Pretax return on assets | 1.1951% | 2,685 |
| Return on Equity (ROE) | 11.9296% | 1,444 |
| Retained earnings to average equity (ytd only) | 5.3676% | 2,723 |
| Net charge-offs to loans | 0.2206% | 1,715 |
| Credit loss provision to net charge-offs | 100.4785% | 1,978 |
| Earnings coverage of net charge-offs (x) | 9.0144% | 2,410 |
| Efficiency ratio | 65.2333% | 4,480 |
| Assets per employee ($millions) | 5.4173% | 1,771 |
| Cash dividends to net income (ytd only)* | 55.0060% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,240 |
| Loan loss allowance to noncurrent loans | 128.1150% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 3,264 |
| Noncurrent loans to loans | 0.9650% | 3,311 |
| Net loans and leases to total assets | 66.9412% | 2,595 |
| Net loans and leases to deposits | 83.1136% | 2,133 |
| Net loans and leases to core deposits | 100.4568% | 1,243 |
| Total domestic deposits to total assets | 80.5419% | 5,113 |
| Equity capital to assets | 9.9809% | 4,131 |
| Core capital (leverage) ratio | 9.4134% | 4,451 |
| Tier 1 risk-based capital ratio | 14.7275% | 3,788 |
| Total risk-based capital ratio | 15.9784% | 3,743 |
| Memoranda: | ||
| Average total assets | $283,324,000 | 2,268 |
| Average earning assets | $273,874,000 | 2,184 |
| Average equity | $28,131,670 | 2,401 |
| Average total loans | $189,519,000 | 2,133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 3,251 |
| Cost of funding earning assets | 0.5930% | 2,036 |
| Net interest margin | 3.5138% | 3,628 |
| Noninterest income to average assets | 0.4406% | 3,866 |
| Noninterest expense to average assets | 2.5399% | 4,475 |
| Loan and lease loss provision to assets | 0.1492% | 1,629 |
| Net operating income to assets | 1.1345% | 1,680 |
| Return on assets (ROA) | 1.1612% | 1,665 |
| Pretax return on assets | 1.1726% | 2,601 |
| Return on Equity (ROE) | 11.7263% | 1,484 |
| Retained earnings to average equity (ytd only) | 11.7263% | 643 |
| Net charge-offs to loans | 0.2909% | 1,191 |
| Credit loss provision to net charge-offs | 77.2059% | 1,930 |
| Earnings coverage of net charge-offs (x) | 6.6985% | 2,199 |
| Efficiency ratio | 65.9377% | 4,538 |
| Assets per employee ($millions) | 5.6024% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,288 |
| Loan loss allowance to noncurrent loans | 127.2240% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 3,626 |
| Noncurrent loans to loans | 0.9972% | 3,423 |
| Net loans and leases to total assets | 65.9509% | 2,572 |
| Net loans and leases to deposits | 81.1198% | 2,149 |
| Net loans and leases to core deposits | 94.5553% | 1,505 |
| Total domestic deposits to total assets | 81.3006% | 5,151 |
| Equity capital to assets | 10.1427% | 3,669 |
| Core capital (leverage) ratio | 9.5902% | 4,148 |
| Tier 1 risk-based capital ratio | 15.3332% | 3,529 |
| Total risk-based capital ratio | 16.5846% | 3,487 |
| Memoranda: | ||
| Average total assets | $281,426,500 | 2,292 |
| Average earning assets | $271,843,500 | 2,203 |
| Average equity | $27,869,000 | 2,414 |
| Average total loans | $186,975,000 | 2,165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 2,546 |
| Cost of funding earning assets | 0.6627% | 2,095 |
| Net interest margin | 3.7480% | 2,858 |
| Noninterest income to average assets | 0.9213% | 1,606 |
| Noninterest expense to average assets | 2.5187% | 4,709 |
| Loan and lease loss provision to assets | 0.1484% | 2,425 |
| Net operating income to assets | 1.8679% | 425 |
| Return on assets (ROA) | 1.9024% | 409 |
| Pretax return on assets | 1.9131% | 588 |
| Return on Equity (ROE) | 18.9759% | 337 |
| Retained earnings to average equity (ytd only) | 1.4346% | 5,178 |
| Net charge-offs to loans | 0.4712% | 1,415 |
| Credit loss provision to net charge-offs | 46.7489% | 3,894 |
| Earnings coverage of net charge-offs (x) | 6.3823% | 3,077 |
| Efficiency ratio | 55.1613% | 6,032 |
| Assets per employee ($millions) | 5.8902% | 1,342 |
| Cash dividends to net income (ytd only)* | 92.4401% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 4,202 |
| Loan loss allowance to noncurrent loans | 127.5186% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 3,796 |
| Noncurrent loans to loans | 1.0095% | 3,497 |
| Net loans and leases to total assets | 65.2309% | 2,816 |
| Net loans and leases to deposits | 82.7440% | 2,105 |
| Net loans and leases to core deposits | 94.7261% | 1,543 |
| Total domestic deposits to total assets | 78.8347% | 5,682 |
| Equity capital to assets | 9.6650% | 4,203 |
| Core capital (leverage) ratio | 9.2976% | 4,555 |
| Tier 1 risk-based capital ratio | 14.8677% | 3,741 |
| Total risk-based capital ratio | 16.1194% | 3,689 |
| Memoranda: | ||
| Average total assets | $280,904,200 | 2,266 |
| Average earning assets | $271,613,800 | 2,167 |
| Average equity | $28,162,000 | 2,368 |
| Average total loans | $189,312,800 | 2,107 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 2,391 |
| Cost of funding earning assets | 0.6740% | 2,148 |
| Net interest margin | 3.7839% | 2,705 |
| Noninterest income to average assets | 1.0312% | 1,371 |
| Noninterest expense to average assets | 2.4185% | 4,967 |
| Loan and lease loss provision to assets | 0.1735% | 2,094 |
| Net operating income to assets | 2.0909% | 313 |
| Return on assets (ROA) | 2.1370% | 298 |
| Pretax return on assets | 2.1479% | 434 |
| Return on Equity (ROE) | 21.1243% | 238 |
| Retained earnings to average equity (ytd only) | 1.8704% | 5,197 |
| Net charge-offs to loans | 0.4268% | 1,500 |
| Credit loss provision to net charge-offs | 60.0329% | 3,296 |
| Earnings coverage of net charge-offs (x) | 7.8700% | 2,713 |
| Efficiency ratio | 51.2865% | 6,315 |
| Assets per employee ($millions) | 5.6384% | 1,509 |
| Cash dividends to net income (ytd only)* | 91.1458% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,740 |
| Loan loss allowance to noncurrent loans | 96.4874% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 3,220 |
| Noncurrent loans to loans | 1.4916% | 2,927 |
| Net loans and leases to total assets | 65.3641% | 2,742 |
| Net loans and leases to deposits | 82.8834% | 2,016 |
| Net loans and leases to core deposits | 95.4775% | 1,435 |
| Total domestic deposits to total assets | 78.8627% | 5,768 |
| Equity capital to assets | 10.0528% | 3,826 |
| Core capital (leverage) ratio | 9.5241% | 4,365 |
| Tier 1 risk-based capital ratio | 15.0255% | 3,736 |
| Total risk-based capital ratio | 16.2786% | 3,683 |
| Memoranda: | ||
| Average total assets | $280,447,500 | 2,273 |
| Average earning assets | $271,421,000 | 2,173 |
| Average equity | $28,371,000 | 2,380 |
| Average total loans | $189,932,750 | 2,098 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 2,069 |
| Cost of funding earning assets | 0.6801% | 2,221 |
| Net interest margin | 3.8555% | 2,359 |
| Noninterest income to average assets | 1.0141% | 1,493 |
| Noninterest expense to average assets | 2.3844% | 5,097 |
| Loan and lease loss provision to assets | 0.2093% | 1,811 |
| Net operating income to assets | 2.1388% | 291 |
| Return on assets (ROA) | 2.2084% | 269 |
| Pretax return on assets | 2.2190% | 401 |
| Return on Equity (ROE) | 21.7851% | 214 |
| Retained earnings to average equity (ytd only) | -2.4991% | 6,251 |
| Net charge-offs to loans | 0.3695% | 1,727 |
| Credit loss provision to net charge-offs | 83.0986% | 2,566 |
| Earnings coverage of net charge-offs (x) | 9.3634% | 2,297 |
| Efficiency ratio | 50.0299% | 6,430 |
| Assets per employee ($millions) | 5.5621% | 1,527 |
| Cash dividends to net income (ytd only)* | 111.4717% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,481 |
| Loan loss allowance to noncurrent loans | 112.3059% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 3,449 |
| Noncurrent loans to loans | 1.3541% | 3,289 |
| Net loans and leases to total assets | 67.0042% | 2,409 |
| Net loans and leases to deposits | 83.7454% | 1,831 |
| Net loans and leases to core deposits | 96.6033% | 1,301 |
| Total domestic deposits to total assets | 80.0095% | 5,602 |
| Equity capital to assets | 9.8714% | 4,093 |
| Core capital (leverage) ratio | 9.0799% | 4,858 |
| Tier 1 risk-based capital ratio | 14.4601% | 4,127 |
| Total risk-based capital ratio | 15.7131% | 4,083 |
| Memoranda: | ||
| Average total assets | $281,836,670 | 2,282 |
| Average earning assets | $272,598,330 | 2,174 |
| Average equity | $28,570,000 | 2,383 |
| Average total loans | $192,168,670 | 2,081 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,744 |
| Cost of funding earning assets | 0.6796% | 2,393 |
| Net interest margin | 3.9504% | 1,944 |
| Noninterest income to average assets | 0.8419% | 1,950 |
| Noninterest expense to average assets | 2.3220% | 5,360 |
| Loan and lease loss provision to assets | 0.2653% | 1,341 |
| Net operating income to assets | 2.0594% | 311 |
| Return on assets (ROA) | 2.1949% | 268 |
| Pretax return on assets | 2.2061% | 420 |
| Return on Equity (ROE) | 21.3856% | 223 |
| Retained earnings to average equity (ytd only) | 8.3529% | 1,625 |
| Net charge-offs to loans | 0.0143% | 3,859 |
| Credit loss provision to net charge-offs | 2,714.2857% | 116 |
| Earnings coverage of net charge-offs (x) | 238.8571% | 166 |
| Efficiency ratio | 49.6252% | 6,524 |
| Assets per employee ($millions) | 6.0384% | 1,230 |
| Cash dividends to net income (ytd only)* | 60.9415% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 3,311 |
| Loan loss allowance to noncurrent loans | 84.0329% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 2,989 |
| Noncurrent loans to loans | 1.9291% | 2,701 |
| Net loans and leases to total assets | 65.4977% | 2,457 |
| Net loans and leases to deposits | 84.6567% | 1,510 |
| Net loans and leases to core deposits | 97.5503% | 1,111 |
| Total domestic deposits to total assets | 77.3685% | 6,210 |
| Equity capital to assets | 10.4065% | 3,658 |
| Core capital (leverage) ratio | 9.2494% | 4,481 |
| Tier 1 risk-based capital ratio | 14.7337% | 4,006 |
| Total risk-based capital ratio | 15.9889% | 3,974 |
| Memoranda: | ||
| Average total assets | $286,483,000 | 2,273 |
| Average earning assets | $276,627,500 | 2,175 |
| Average equity | $29,403,000 | 2,343 |
| Average total loans | $195,535,000 | 2,061 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 1,980 |
| Cost of funding earning assets | 0.8118% | 2,572 |
| Net interest margin | 4.0495% | 2,203 |
| Noninterest income to average assets | 0.5690% | 3,452 |
| Noninterest expense to average assets | 2.3202% | 5,635 |
| Loan and lease loss provision to assets | 0.2349% | 2,788 |
| Net operating income to assets | 1.8995% | 432 |
| Return on assets (ROA) | 1.8985% | 483 |
| Pretax return on assets | 1.9092% | 741 |
| Return on Equity (ROE) | 18.2774% | 422 |
| Retained earnings to average equity (ytd only) | 2.2920% | 4,623 |
| Net charge-offs to loans | 0.1743% | 3,982 |
| Credit loss provision to net charge-offs | 197.0149% | 1,322 |
| Earnings coverage of net charge-offs (x) | 17.9940% | 1,468 |
| Efficiency ratio | 51.7055% | 6,481 |
| Assets per employee ($millions) | 6.1524% | 1,191 |
| Cash dividends to net income (ytd only)* | 87.4602% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,041 |
| Loan loss allowance to noncurrent loans | 141.7323% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 4,189 |
| Noncurrent loans to loans | 1.0053% | 4,183 |
| Net loans and leases to total assets | 68.9032% | 2,052 |
| Net loans and leases to deposits | 91.1396% | 968 |
| Net loans and leases to core deposits | 102.7063% | 846 |
| Total domestic deposits to total assets | 75.6019% | 6,400 |
| Equity capital to assets | 10.1230% | 4,009 |
| Core capital (leverage) ratio | 9.0279% | 4,855 |
| Tier 1 risk-based capital ratio | 13.5354% | 4,726 |
| Total risk-based capital ratio | 14.7849% | 4,680 |
| Memoranda: | ||
| Average total assets | $281,014,600 | 2,259 |
| Average earning assets | $270,381,000 | 2,158 |
| Average equity | $29,189,000 | 2,302 |
| Average total loans | $192,220,000 | 2,076 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 2,220 |
| Cost of funding earning assets | 0.8431% | 2,605 |
| Net interest margin | 4.0006% | 2,497 |
| Noninterest income to average assets | 0.6662% | 2,897 |
| Noninterest expense to average assets | 2.4785% | 5,148 |
| Loan and lease loss provision to assets | 0.1505% | 3,656 |
| Net operating income to assets | 1.8768% | 480 |
| Return on assets (ROA) | 1.8801% | 560 |
| Pretax return on assets | 1.8911% | 887 |
| Return on Equity (ROE) | 17.9826% | 502 |
| Retained earnings to average equity (ytd only) | 2.5507% | 5,039 |
| Net charge-offs to loans | 0.2340% | 3,321 |
| Credit loss provision to net charge-offs | 94.5946% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.8078% | 1,968 |
| Efficiency ratio | 54.6186% | 6,187 |
| Assets per employee ($millions) | 5.8208% | 1,358 |
| Cash dividends to net income (ytd only)* | 85.8160% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 5,012 |
| Loan loss allowance to noncurrent loans | 230.0091% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 5,146 |
| Noncurrent loans to loans | 0.5469% | 5,348 |
| Net loans and leases to total assets | 69.8279% | 1,941 |
| Net loans and leases to deposits | 94.0939% | 788 |
| Net loans and leases to core deposits | 104.0113% | 865 |
| Total domestic deposits to total assets | 74.2108% | 6,585 |
| Equity capital to assets | 10.3436% | 4,024 |
| Core capital (leverage) ratio | 9.1337% | 4,859 |
| Tier 1 risk-based capital ratio | 13.5408% | 4,858 |
| Total risk-based capital ratio | 14.7856% | 4,818 |
| Memoranda: | ||
| Average total assets | $278,977,750 | 2,304 |
| Average earning assets | $268,520,000 | 2,190 |
| Average equity | $29,168,250 | 2,325 |
| Average total loans | $189,744,500 | 2,118 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 2,184 |
| Cost of funding earning assets | 0.8886% | 2,498 |
| Net interest margin | 3.9940% | 2,531 |
| Noninterest income to average assets | 0.6717% | 2,819 |
| Noninterest expense to average assets | 2.5100% | 5,104 |
| Loan and lease loss provision to assets | 0.1517% | 3,628 |
| Net operating income to assets | 1.8368% | 530 |
| Return on assets (ROA) | 1.8418% | 591 |
| Pretax return on assets | 1.8527% | 933 |
| Return on Equity (ROE) | 17.5517% | 563 |
| Retained earnings to average equity (ytd only) | 3.8820% | 4,036 |
| Net charge-offs to loans | 0.2573% | 3,036 |
| Credit loss provision to net charge-offs | 87.8661% | 3,107 |
| Earnings coverage of net charge-offs (x) | 11.5816% | 1,949 |
| Efficiency ratio | 55.4061% | 6,183 |
| Assets per employee ($millions) | 5.8132% | 1,361 |
| Cash dividends to net income (ytd only)* | 77.8824% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 4,962 |
| Loan loss allowance to noncurrent loans | 185.3265% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 4,576 |
| Noncurrent loans to loans | 0.6927% | 5,118 |
| Net loans and leases to total assets | 69.6092% | 1,986 |
| Net loans and leases to deposits | 93.8124% | 790 |
| Net loans and leases to core deposits | 102.9687% | 919 |
| Total domestic deposits to total assets | 74.2005% | 6,664 |
| Equity capital to assets | 10.5067% | 3,683 |
| Core capital (leverage) ratio | 9.3455% | 4,381 |
| Tier 1 risk-based capital ratio | 13.5092% | 4,816 |
| Total risk-based capital ratio | 14.7580% | 4,774 |
| Memoranda: | ||
| Average total assets | $276,897,000 | 2,320 |
| Average earning assets | $266,048,330 | 2,215 |
| Average equity | $29,057,000 | 2,319 |
| Average total loans | $185,759,330 | 2,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 2,235 |
| Cost of funding earning assets | 0.9465% | 2,325 |
| Net interest margin | 3.9555% | 2,690 |
| Noninterest income to average assets | 0.6033% | 3,215 |
| Noninterest expense to average assets | 2.2971% | 5,777 |
| Loan and lease loss provision to assets | 0.1523% | 3,470 |
| Net operating income to assets | 1.9302% | 474 |
| Return on assets (ROA) | 1.9331% | 543 |
| Pretax return on assets | 1.9447% | 813 |
| Return on Equity (ROE) | 18.4326% | 502 |
| Retained earnings to average equity (ytd only) | 11.5187% | 918 |
| Net charge-offs to loans | 0.0178% | 4,439 |
| Credit loss provision to net charge-offs | 1,312.5000% | 264 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 203 |
| Efficiency ratio | 52.0476% | 6,537 |
| Assets per employee ($millions) | 5.9983% | 1,287 |
| Cash dividends to net income (ytd only)* | 37.5094% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 4,408 |
| Loan loss allowance to noncurrent loans | 116.4690% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 3,862 |
| Noncurrent loans to loans | 1.2386% | 4,266 |
| Net loans and leases to total assets | 65.6658% | 2,528 |
| Net loans and leases to deposits | 86.1485% | 1,404 |
| Net loans and leases to core deposits | 94.7719% | 1,392 |
| Total domestic deposits to total assets | 76.2239% | 6,518 |
| Equity capital to assets | 10.6332% | 3,341 |
| Core capital (leverage) ratio | 9.5142% | 4,029 |
| Tier 1 risk-based capital ratio | 14.4119% | 4,171 |
| Total risk-based capital ratio | 15.6648% | 4,134 |
| Memoranda: | ||
| Average total assets | $275,829,500 | 2,338 |
| Average earning assets | $264,136,500 | 2,245 |
| Average equity | $28,927,000 | 2,326 |
| Average total loans | $180,260,000 | 2,240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 3,190 |
| Cost of funding earning assets | 1.1435% | 2,390 |
| Net interest margin | 3.7903% | 3,877 |
| Noninterest income to average assets | 0.6762% | 2,750 |
| Noninterest expense to average assets | 2.4331% | 5,690 |
| Loan and lease loss provision to assets | 0.1716% | 4,486 |
| Net operating income to assets | 1.6732% | 580 |
| Return on assets (ROA) | 1.6765% | 616 |
| Pretax return on assets | 1.6864% | 1,017 |
| Return on Equity (ROE) | 16.9266% | 480 |
| Retained earnings to average equity (ytd only) | 4.1185% | 3,252 |
| Net charge-offs to loans | 0.0877% | 5,456 |
| Credit loss provision to net charge-offs | 313.4228% | 745 |
| Earnings coverage of net charge-offs (x) | 33.8725% | 766 |
| Efficiency ratio | 56.4707% | 6,253 |
| Assets per employee ($millions) | 5.8668% | 1,323 |
| Cash dividends to net income (ytd only)* | 75.6686% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,257 |
| Loan loss allowance to noncurrent loans | 158.4988% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 4,362 |
| Noncurrent loans to loans | 0.9124% | 4,861 |
| Net loans and leases to total assets | 63.1496% | 3,368 |
| Net loans and leases to deposits | 84.0642% | 1,916 |
| Net loans and leases to core deposits | 86.9940% | 2,506 |
| Total domestic deposits to total assets | 75.1207% | 6,588 |
| Equity capital to assets | 10.3413% | 3,726 |
| Core capital (leverage) ratio | 9.1440% | 4,558 |
| Tier 1 risk-based capital ratio | 14.1643% | 4,204 |
| Total risk-based capital ratio | 15.4162% | 4,154 |
| Memoranda: | ||
| Average total assets | $272,116,400 | 2,322 |
| Average earning assets | $259,295,400 | 2,240 |
| Average equity | $26,951,600 | 2,403 |
| Average total loans | $169,928,000 | 2,379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 3,435 |
| Cost of funding earning assets | 1.1898% | 2,384 |
| Net interest margin | 3.7382% | 4,170 |
| Noninterest income to average assets | 0.7138% | 2,516 |
| Noninterest expense to average assets | 2.4212% | 5,709 |
| Loan and lease loss provision to assets | 0.1362% | 4,737 |
| Net operating income to assets | 1.7148% | 607 |
| Return on assets (ROA) | 1.7192% | 654 |
| Pretax return on assets | 1.7290% | 1,084 |
| Return on Equity (ROE) | 17.5543% | 503 |
| Retained earnings to average equity (ytd only) | 6.6462% | 2,169 |
| Net charge-offs to loans | 0.1197% | 4,832 |
| Credit loss provision to net charge-offs | 183.4437% | 1,614 |
| Earnings coverage of net charge-offs (x) | 25.0660% | 1,062 |
| Efficiency ratio | 56.2687% | 6,242 |
| Assets per employee ($millions) | 5.9857% | 1,214 |
| Cash dividends to net income (ytd only)* | 62.1390% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,635 |
| Loan loss allowance to noncurrent loans | 120.1933% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 4,297 |
| Noncurrent loans to loans | 1.1497% | 4,619 |
| Net loans and leases to total assets | 61.2497% | 3,894 |
| Net loans and leases to deposits | 80.5873% | 2,581 |
| Net loans and leases to core deposits | 85.0522% | 2,906 |
| Total domestic deposits to total assets | 76.0042% | 6,534 |
| Equity capital to assets | 10.4144% | 3,812 |
| Core capital (leverage) ratio | 9.1798% | 4,661 |
| Tier 1 risk-based capital ratio | 14.3161% | 4,121 |
| Total risk-based capital ratio | 15.5672% | 4,081 |
| Memoranda: | ||
| Average total assets | $271,210,750 | 2,346 |
| Average earning assets | $258,868,000 | 2,253 |
| Average equity | $26,560,750 | 2,437 |
| Average total loans | $168,239,250 | 2,406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 3,568 |
| Cost of funding earning assets | 1.2313% | 2,373 |
| Net interest margin | 3.6791% | 4,362 |
| Noninterest income to average assets | 0.6300% | 2,949 |
| Noninterest expense to average assets | 2.4007% | 5,841 |
| Loan and lease loss provision to assets | 0.1386% | 4,570 |
| Net operating income to assets | 1.5988% | 736 |
| Return on assets (ROA) | 1.5988% | 779 |
| Pretax return on assets | 1.6121% | 1,243 |
| Return on Equity (ROE) | 16.6847% | 586 |
| Retained earnings to average equity (ytd only) | 4.3626% | 3,415 |
| Net charge-offs to loans | 0.0060% | 5,791 |
| Credit loss provision to net charge-offs | 3,740.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 472.4000% | 66 |
| Efficiency ratio | 57.5433% | 6,222 |
| Assets per employee ($millions) | 5.6655% | 1,429 |
| Cash dividends to net income (ytd only)* | 73.8526% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 4,480 |
| Loan loss allowance to noncurrent loans | 66.9898% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 3,586 |
| Noncurrent loans to loans | 2.1195% | 3,325 |
| Net loans and leases to total assets | 61.7613% | 3,938 |
| Net loans and leases to deposits | 80.5204% | 2,705 |
| Net loans and leases to core deposits | 85.2079% | 3,046 |
| Total domestic deposits to total assets | 76.7028% | 6,495 |
| Equity capital to assets | 9.9499% | 4,221 |
| Core capital (leverage) ratio | 8.9714% | 4,769 |
| Tier 1 risk-based capital ratio | 13.7327% | 4,357 |
| Total risk-based capital ratio | 14.9828% | 4,332 |
| Memoranda: | ||
| Average total assets | $269,834,330 | 2,367 |
| Average earning assets | $258,270,330 | 2,269 |
| Average equity | $25,856,000 | 2,481 |
| Average total loans | $167,316,330 | 2,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 2,929 |
| Cost of funding earning assets | 1.2428% | 2,553 |
| Net interest margin | 3.7924% | 3,654 |
| Noninterest income to average assets | 0.5566% | 3,461 |
| Noninterest expense to average assets | 2.3082% | 6,165 |
| Loan and lease loss provision to assets | 0.1444% | 4,200 |
| Net operating income to assets | 1.7055% | 572 |
| Return on assets (ROA) | 1.7055% | 605 |
| Pretax return on assets | 1.7189% | 953 |
| Return on Equity (ROE) | 18.1509% | 466 |
| Retained earnings to average equity (ytd only) | 16.3611% | 308 |
| Net charge-offs to loans | 0.0072% | 5,014 |
| Credit loss provision to net charge-offs | 3,233.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 417.3333% | 65 |
| Efficiency ratio | 55.0482% | 6,599 |
| Assets per employee ($millions) | 6.1831% | 1,082 |
| Cash dividends to net income (ytd only)* | 9.8604% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,617 |
| Loan loss allowance to noncurrent loans | 64.0209% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1253% | 3,157 |
| Noncurrent loans to loans | 2.2009% | 3,318 |
| Net loans and leases to total assets | 59.9511% | 4,275 |
| Net loans and leases to deposits | 79.4583% | 2,815 |
| Net loans and leases to core deposits | 83.4925% | 3,234 |
| Total domestic deposits to total assets | 75.4498% | 6,744 |
| Equity capital to assets | 9.5466% | 4,373 |
| Core capital (leverage) ratio | 9.2888% | 4,138 |
| Tier 1 risk-based capital ratio | 13.5665% | 4,381 |
| Total risk-based capital ratio | 14.8167% | 4,346 |
| Memoranda: | ||
| Average total assets | $268,780,500 | 2,401 |
| Average earning assets | $256,194,000 | 2,301 |
| Average equity | $25,255,000 | 2,518 |
| Average total loans | $165,787,500 | 2,490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 4,477 |
| Cost of funding earning assets | 1.3793% | 3,397 |
| Net interest margin | 3.6364% | 4,640 |
| Noninterest income to average assets | 0.5610% | 3,739 |
| Noninterest expense to average assets | 2.3378% | 6,248 |
| Loan and lease loss provision to assets | 0.3720% | 3,891 |
| Net operating income to assets | 1.2755% | 1,235 |
| Return on assets (ROA) | 1.2763% | 1,294 |
| Pretax return on assets | 1.2881% | 1,961 |
| Return on Equity (ROE) | 13.3449% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.8382% | 1,393 |
| Net charge-offs to loans | 0.1941% | 5,135 |
| Credit loss provision to net charge-offs | 315.4122% | 829 |
| Earnings coverage of net charge-offs (x) | 14.0681% | 1,371 |
| Efficiency ratio | 58.2866% | 6,309 |
| Assets per employee ($millions) | 6.6377% | 889 |
| Cash dividends to net income (ytd only)* | 48.7579% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,772 |
| Loan loss allowance to noncurrent loans | 114.1909% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8436% | 3,571 |
| Noncurrent loans to loans | 1.1791% | 4,748 |
| Net loans and leases to total assets | 61.7338% | 4,338 |
| Net loans and leases to deposits | 83.1353% | 2,598 |
| Net loans and leases to core deposits | 85.6784% | 3,369 |
| Total domestic deposits to total assets | 74.2571% | 6,857 |
| Equity capital to assets | 9.2420% | 4,767 |
| Core capital (leverage) ratio | 8.8807% | 4,727 |
| Tier 1 risk-based capital ratio | 13.4928% | 4,211 |
| Total risk-based capital ratio | 14.7430% | 4,180 |
| Memoranda: | ||
| Average total assets | $236,543,200 | 2,679 |
| Average earning assets | $223,515,600 | 2,589 |
| Average equity | $22,622,800 | 2,813 |
| Average total loans | $143,742,800 | 2,871 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 5,073 |
| Cost of funding earning assets | 1.3819% | 3,694 |
| Net interest margin | 3.5601% | 5,062 |
| Noninterest income to average assets | 0.5367% | 3,896 |
| Noninterest expense to average assets | 2.2822% | 6,383 |
| Loan and lease loss provision to assets | 0.2384% | 4,694 |
| Net operating income to assets | 1.3618% | 1,189 |
| Return on assets (ROA) | 1.3629% | 1,269 |
| Pretax return on assets | 1.3757% | 1,950 |
| Return on Equity (ROE) | 14.1133% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.9478% | 1,439 |
| Net charge-offs to loans | 0.2712% | 4,321 |
| Credit loss provision to net charge-offs | 145.9075% | 2,696 |
| Earnings coverage of net charge-offs (x) | 9.8718% | 1,949 |
| Efficiency ratio | 58.5908% | 6,176 |
| Assets per employee ($millions) | 5.9916% | 1,247 |
| Cash dividends to net income (ytd only)* | 43.6860% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,951 |
| Loan loss allowance to noncurrent loans | 33.6896% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5364% | 2,011 |
| Noncurrent loans to loans | 3.2621% | 2,426 |
| Net loans and leases to total assets | 60.2503% | 4,858 |
| Net loans and leases to deposits | 81.7839% | 3,147 |
| Net loans and leases to core deposits | 83.4620% | 4,028 |
| Total domestic deposits to total assets | 73.6701% | 6,963 |
| Equity capital to assets | 9.9893% | 4,169 |
| Core capital (leverage) ratio | 9.0950% | 4,538 |
| Tier 1 risk-based capital ratio | 13.2012% | 4,421 |
| Total risk-based capital ratio | 14.1810% | 4,611 |
| Memoranda: | ||
| Average total assets | $229,302,500 | 2,798 |
| Average earning assets | $216,315,250 | 2,710 |
| Average equity | $22,144,000 | 2,904 |
| Average total loans | $138,142,500 | 3,018 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 6,052 |
| Cost of funding earning assets | 1.3460% | 4,210 |
| Net interest margin | 3.3811% | 5,710 |
| Noninterest income to average assets | 0.4673% | 4,377 |
| Noninterest expense to average assets | 2.1298% | 6,819 |
| Loan and lease loss provision to assets | 0.3488% | 3,628 |
| Net operating income to assets | 1.1485% | 1,701 |
| Return on assets (ROA) | 1.1503% | 1,757 |
| Pretax return on assets | 1.1797% | 2,480 |
| Return on Equity (ROE) | 12.0789% | 1,430 |
| Retained earnings to average equity (ytd only) | 7.0179% | 1,822 |
| Net charge-offs to loans | 0.4317% | 3,265 |
| Credit loss provision to net charge-offs | 134.7518% | 2,976 |
| Earnings coverage of net charge-offs (x) | 5.8972% | 2,574 |
| Efficiency ratio | 58.2476% | 6,348 |
| Assets per employee ($millions) | 5.9168% | 1,286 |
| Cash dividends to net income (ytd only)* | 41.8994% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 5,982 |
| Loan loss allowance to noncurrent loans | 31.7582% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 3.7117% | 1,885 |
| Noncurrent loans to loans | 3.4392% | 2,311 |
| Net loans and leases to total assets | 60.3154% | 4,996 |
| Net loans and leases to deposits | 78.8476% | 3,826 |
| Net loans and leases to core deposits | 80.1197% | 4,679 |
| Total domestic deposits to total assets | 76.4961% | 6,602 |
| Equity capital to assets | 9.5179% | 4,678 |
| Core capital (leverage) ratio | 9.1145% | 4,440 |
| Tier 1 risk-based capital ratio | 13.5801% | 4,017 |
| Total risk-based capital ratio | 14.5962% | 4,134 |
| Memoranda: | ||
| Average total assets | $217,859,330 | 2,964 |
| Average earning assets | $205,497,670 | 2,868 |
| Average equity | $20,747,000 | 3,072 |
| Average total loans | $130,655,330 | 3,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 5,894 |
| Cost of funding earning assets | 1.3794% | 4,310 |
| Net interest margin | 3.4195% | 5,499 |
| Noninterest income to average assets | 0.4333% | 4,628 |
| Noninterest expense to average assets | 2.2867% | 6,415 |
| Loan and lease loss provision to assets | 0.7120% | 1,792 |
| Net operating income to assets | 0.6754% | 3,546 |
| Return on assets (ROA) | 0.6754% | 3,664 |
| Pretax return on assets | 0.6876% | 4,279 |
| Return on Equity (ROE) | 7.0899% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.0899% | 2,098 |
| Net charge-offs to loans | 0.9296% | 1,729 |
| Credit loss provision to net charge-offs | 129.1513% | 2,737 |
| Earnings coverage of net charge-offs (x) | 2.5387% | 3,276 |
| Efficiency ratio | 62.0309% | 5,825 |
| Assets per employee ($millions) | 5.2870% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 3,795 |
| Loan loss allowance to noncurrent loans | 1,199.3007% | 287 |
| Noncurrent assets plus other real estate owned to assets | 2.0325% | 3,459 |
| Noncurrent loans to loans | 0.1270% | 7,090 |
| Net loans and leases to total assets | 56.7048% | 5,653 |
| Net loans and leases to deposits | 75.3312% | 4,526 |
| Net loans and leases to core deposits | 76.6964% | 5,168 |
| Total domestic deposits to total assets | 75.2740% | 6,868 |
| Equity capital to assets | 9.6606% | 4,288 |
| Core capital (leverage) ratio | 9.0513% | 4,471 |
| Tier 1 risk-based capital ratio | 14.3661% | 3,458 |
| Total risk-based capital ratio | 15.6178% | 3,421 |
| Memoranda: | ||
| Average total assets | $196,619,000 | 3,265 |
| Average earning assets | $187,043,000 | 3,164 |
| Average equity | $18,731,000 | 3,364 |
| Average total loans | $116,603,500 | 3,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 5,955 |
| Cost of funding earning assets | 1.5920% | 5,059 |
| Net interest margin | 3.5386% | 4,784 |
| Noninterest income to average assets | 0.6057% | 3,587 |
| Noninterest expense to average assets | 2.5785% | 5,870 |
| Loan and lease loss provision to assets | 0.6079% | 3,366 |
| Net operating income to assets | 0.7951% | 2,552 |
| Return on assets (ROA) | 0.7979% | 2,632 |
| Pretax return on assets | 0.8108% | 3,206 |
| Return on Equity (ROE) | 7.8390% | 2,443 |
| Retained earnings to average equity (ytd only) | 2.2625% | 3,531 |
| Net charge-offs to loans | 0.4560% | 3,957 |
| Credit loss provision to net charge-offs | 210.2713% | 1,825 |
| Earnings coverage of net charge-offs (x) | 4.8973% | 2,764 |
| Efficiency ratio | 64.5532% | 5,667 |
| Assets per employee ($millions) | 5.2005% | 1,947 |
| Cash dividends to net income (ytd only)* | 71.1376% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 4,446 |
| Loan loss allowance to noncurrent loans | 340.1247% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 5,340 |
| Noncurrent loans to loans | 0.3990% | 6,477 |
| Net loans and leases to total assets | 60.1818% | 5,308 |
| Net loans and leases to deposits | 78.0842% | 4,354 |
| Net loans and leases to core deposits | 83.4866% | 5,767 |
| Total domestic deposits to total assets | 77.0729% | 6,460 |
| Equity capital to assets | 9.3939% | 4,569 |
| Core capital (leverage) ratio | 9.1261% | 4,234 |
| Tier 1 risk-based capital ratio | 13.5087% | 3,814 |
| Total risk-based capital ratio | 14.7593% | 3,760 |
| Memoranda: | ||
| Average total assets | $178,475,800 | 3,465 |
| Average earning assets | $170,913,600 | 3,333 |
| Average equity | $18,165,600 | 3,481 |
| Average total loans | $113,146,400 | 3,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 5,943 |
| Cost of funding earning assets | 1.6205% | 5,308 |
| Net interest margin | 3.5642% | 4,618 |
| Noninterest income to average assets | 0.6433% | 3,394 |
| Noninterest expense to average assets | 2.6882% | 5,377 |
| Loan and lease loss provision to assets | 0.7408% | 2,521 |
| Net operating income to assets | 0.6119% | 3,569 |
| Return on assets (ROA) | 0.6156% | 3,602 |
| Pretax return on assets | 0.6287% | 4,089 |
| Return on Equity (ROE) | 5.9189% | 3,557 |
| Retained earnings to average equity (ytd only) | -0.7232% | 5,413 |
| Net charge-offs to loans | 0.5247% | 3,111 |
| Credit loss provision to net charge-offs | 220.3196% | 1,994 |
| Earnings coverage of net charge-offs (x) | 4.0616% | 3,280 |
| Efficiency ratio | 66.3132% | 5,312 |
| Assets per employee ($millions) | 4.9085% | 2,259 |
| Cash dividends to net income (ytd only)* | 112.2191% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,073 |
| Loan loss allowance to noncurrent loans | 123.5659% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 4,595 |
| Noncurrent loans to loans | 1.1156% | 5,084 |
| Net loans and leases to total assets | 61.1415% | 5,398 |
| Net loans and leases to deposits | 79.6223% | 4,453 |
| Net loans and leases to core deposits | 85.8383% | 5,881 |
| Total domestic deposits to total assets | 76.7895% | 6,394 |
| Equity capital to assets | 9.9242% | 4,182 |
| Core capital (leverage) ratio | 9.1843% | 4,361 |
| Tier 1 risk-based capital ratio | 12.6655% | 4,425 |
| Total risk-based capital ratio | 13.8575% | 4,416 |
| Memoranda: | ||
| Average total assets | $173,690,250 | 3,557 |
| Average earning assets | $166,204,250 | 3,444 |
| Average equity | $18,066,000 | 3,526 |
| Average total loans | $111,291,500 | 3,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2347% | 5,939 |
| Cost of funding earning assets | 1.6488% | 5,521 |
| Net interest margin | 3.5859% | 4,425 |
| Noninterest income to average assets | 0.7012% | 2,987 |
| Noninterest expense to average assets | 2.7672% | 5,103 |
| Loan and lease loss provision to assets | 0.2302% | 4,742 |
| Net operating income to assets | 1.1251% | 1,683 |
| Return on assets (ROA) | 1.1251% | 1,764 |
| Pretax return on assets | 1.1392% | 2,505 |
| Return on Equity (ROE) | 10.6375% | 1,807 |
| Retained earnings to average equity (ytd only) | 3.6389% | 3,277 |
| Net charge-offs to loans | 0.0601% | 5,661 |
| Credit loss provision to net charge-offs | 590.9091% | 789 |
| Earnings coverage of net charge-offs (x) | 35.1515% | 896 |
| Efficiency ratio | 66.8950% | 5,386 |
| Assets per employee ($millions) | 4.8065% | 2,311 |
| Cash dividends to net income (ytd only)* | 65.7922% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,734 |
| Loan loss allowance to noncurrent loans | 58.1637% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 4,629 |
| Noncurrent loans to loans | 1.8560% | 3,724 |
| Net loans and leases to total assets | 61.6603% | 5,411 |
| Net loans and leases to deposits | 78.6634% | 4,754 |
| Net loans and leases to core deposits | 84.8803% | 6,021 |
| Total domestic deposits to total assets | 78.3850% | 5,977 |
| Equity capital to assets | 9.8781% | 4,112 |
| Core capital (leverage) ratio | 10.0107% | 3,288 |
| Tier 1 risk-based capital ratio | 14.5131% | 3,235 |
| Total risk-based capital ratio | 15.5405% | 3,294 |
| Memoranda: | ||
| Average total assets | $169,412,670 | 3,656 |
| Average earning assets | $162,300,330 | 3,520 |
| Average equity | $17,917,670 | 3,562 |
| Average total loans | $109,843,000 | 3,769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 5,602 |
| Cost of funding earning assets | 1.6443% | 5,839 |
| Net interest margin | 3.7184% | 3,812 |
| Noninterest income to average assets | 0.7101% | 2,825 |
| Noninterest expense to average assets | 2.7519% | 4,770 |
| Loan and lease loss provision to assets | 0.1843% | 4,598 |
| Net operating income to assets | 1.3072% | 1,362 |
| Return on assets (ROA) | 1.3072% | 1,461 |
| Pretax return on assets | 1.3244% | 2,197 |
| Return on Equity (ROE) | 11.9179% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.9179% | 802 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5905% | 5,578 |
| Assets per employee ($millions) | 4.6717% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 5,831 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 5,411 |
| Noncurrent loans to loans | 1.0458% | 4,893 |
| Net loans and leases to total assets | 66.0877% | 4,563 |
| Net loans and leases to deposits | 84.8095% | 3,850 |
| Net loans and leases to core deposits | 90.7343% | 5,482 |
| Total domestic deposits to total assets | 77.9249% | 6,041 |
| Equity capital to assets | 11.1418% | 2,859 |
| Core capital (leverage) ratio | 10.9616% | 2,528 |
| Tier 1 risk-based capital ratio | 15.0193% | 3,058 |
| Total risk-based capital ratio | 15.9957% | 3,119 |
| Memoranda: | ||
| Average total assets | $162,796,000 | 3,778 |
| Average earning assets | $155,445,000 | 3,658 |
| Average equity | $17,855,500 | 3,583 |
| Average total loans | $107,840,000 | 3,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1206% | 4,934 |
| Cost of funding earning assets | 2.2683% | 5,296 |
| Net interest margin | 3.8523% | 3,785 |
| Noninterest income to average assets | 0.5147% | 4,513 |
| Noninterest expense to average assets | 2.5347% | 5,873 |
| Loan and lease loss provision to assets | 0.1814% | 5,084 |
| Net operating income to assets | 1.4461% | 1,134 |
| Return on assets (ROA) | 1.4461% | 1,084 |
| Pretax return on assets | 1.4609% | 1,788 |
| Return on Equity (ROE) | 12.9956% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.5642% | 1,314 |
| Net charge-offs to loans | 0.1586% | 4,605 |
| Credit loss provision to net charge-offs | 164.6341% | 3,126 |
| Earnings coverage of net charge-offs (x) | 14.9024% | 1,989 |
| Efficiency ratio | 60.6821% | 6,223 |
| Assets per employee ($millions) | 4.9116% | 2,038 |
| Cash dividends to net income (ytd only)* | 49.4888% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,035 |
| Loan loss allowance to noncurrent loans | 131.2423% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 5,691 |
| Noncurrent loans to loans | 0.7635% | 5,120 |
| Net loans and leases to total assets | 65.0356% | 5,055 |
| Net loans and leases to deposits | 81.3225% | 4,823 |
| Net loans and leases to core deposits | 84.6613% | 6,238 |
| Total domestic deposits to total assets | 79.9725% | 5,035 |
| Equity capital to assets | 10.7927% | 3,208 |
| Core capital (leverage) ratio | 10.8301% | 2,722 |
| Tier 1 risk-based capital ratio | 15.0393% | 3,024 |
| Total risk-based capital ratio | 15.9813% | 3,106 |
| Memoranda: | ||
| Average total assets | $148,816,800 | 3,924 |
| Average earning assets | $141,473,000 | 3,816 |
| Average equity | $16,559,400 | 3,816 |
| Average total loans | $103,409,200 | 3,863 |