Home > Dakota Western Bank > Performance and Condition Ratios
Dakota Western Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 2,526 |
| Cost of funding earning assets | 1.7764% | 1,288 |
| Net interest margin | 2.9976% | 3,286 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.7475% | 4,069 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2671% | 1,499 |
| Return on assets (ROA) | 1.2580% | 1,496 |
| Pretax return on assets | 1.2635% | 1,977 |
| Return on Equity (ROE) | 17.2900% | 915 |
| Retained earnings to average equity (ytd only) | 7.7493% | 1,610 |
| Net charge-offs to loans | 0.0941% | 943 |
| Credit loss provision to net charge-offs | 85.3881% | 1,979 |
| Earnings coverage of net charge-offs (x) | 22.0457% | 1,823 |
| Efficiency ratio | 56.8967% | 3,405 |
| Assets per employee ($millions) | 11.4162% | 477 |
| Cash dividends to net income (ytd only)* | 55.1874% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 411 |
| Loan loss allowance to noncurrent loans | 97.6439% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2216% | 351 |
| Noncurrent loans to loans | 2.0038% | 277 |
| Net loans and leases to total assets | 59.7700% | 2,863 |
| Net loans and leases to deposits | 70.0151% | 2,891 |
| Net loans and leases to core deposits | 86.1353% | 2,301 |
| Total domestic deposits to total assets | 85.3700% | 2,197 |
| Equity capital to assets | 7.3002% | 3,817 |
| Core capital (leverage) ratio | 10.1138% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0149% | 1,526 |
| Memoranda: | ||
| Average total assets | $364,692,800 | 2,137 |
| Average earning assets | $349,412,600 | 2,094 |
| Average equity | $26,531,400 | 2,429 |
| Average total loans | $232,620,400 | 2,088 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 2,644 |
| Cost of funding earning assets | 1.5582% | 1,464 |
| Net interest margin | 3.0565% | 3,220 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7963% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3289% | 1,476 |
| Return on assets (ROA) | 1.3356% | 1,442 |
| Pretax return on assets | 1.3413% | 1,925 |
| Return on Equity (ROE) | 18.3800% | 897 |
| Retained earnings to average equity (ytd only) | 7.4158% | 2,171 |
| Net charge-offs to loans | 0.0516% | 1,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 40.0337% | 1,443 |
| Efficiency ratio | 57.3753% | 3,274 |
| Assets per employee ($millions) | 10.7674% | 535 |
| Cash dividends to net income (ytd only)* | 59.6467% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 428 |
| Loan loss allowance to noncurrent loans | 82.1723% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.5207% | 242 |
| Noncurrent loans to loans | 2.3732% | 210 |
| Net loans and leases to total assets | 62.4800% | 2,603 |
| Net loans and leases to deposits | 72.4499% | 2,685 |
| Net loans and leases to core deposits | 91.5480% | 1,830 |
| Total domestic deposits to total assets | 86.2400% | 2,120 |
| Equity capital to assets | 6.3583% | 3,872 |
| Core capital (leverage) ratio | 10.5786% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0671% | 1,542 |
| Memoranda: | ||
| Average total assets | $355,974,250 | 2,179 |
| Average earning assets | $340,820,250 | 2,130 |
| Average equity | $25,872,000 | 2,459 |
| Average total loans | $229,879,500 | 2,102 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 2,721 |
| Cost of funding earning assets | 1.2837% | 1,759 |
| Net interest margin | 3.1868% | 3,024 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8188% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4395% | 1,239 |
| Return on assets (ROA) | 1.4487% | 1,204 |
| Pretax return on assets | 1.4544% | 1,688 |
| Return on Equity (ROE) | 19.0700% | 823 |
| Retained earnings to average equity (ytd only) | 7.0166% | 2,277 |
| Net charge-offs to loans | 0.0821% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 27.1183% | 1,597 |
| Efficiency ratio | 55.7233% | 3,456 |
| Assets per employee ($millions) | 10.4951% | 576 |
| Cash dividends to net income (ytd only)* | 63.2120% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 445 |
| Loan loss allowance to noncurrent loans | 84.3464% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.5629% | 224 |
| Noncurrent loans to loans | 2.3288% | 210 |
| Net loans and leases to total assets | 65.7900% | 2,177 |
| Net loans and leases to deposits | 77.6764% | 2,161 |
| Net loans and leases to core deposits | 98.1472% | 1,339 |
| Total domestic deposits to total assets | 84.7000% | 2,622 |
| Equity capital to assets | 7.4250% | 3,567 |
| Core capital (leverage) ratio | 10.8456% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7456% | 1,639 |
| Memoranda: | ||
| Average total assets | $349,012,667 | 2,211 |
| Average earning assets | $334,191,333 | 2,169 |
| Average equity | $26,508,667 | 2,434 |
| Average total loans | $226,459,333 | 2,116 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,993 |
| Cost of funding earning assets | 1.0080% | 2,019 |
| Net interest margin | 3.2163% | 3,074 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.8951% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3839% | 1,451 |
| Return on assets (ROA) | 1.3897% | 1,407 |
| Pretax return on assets | 1.3897% | 1,907 |
| Return on Equity (ROE) | 18.0900% | 1,018 |
| Retained earnings to average equity (ytd only) | 6.0342% | 2,750 |
| Net charge-offs to loans | 0.0764% | 690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 1,328 |
| Efficiency ratio | 57.7943% | 3,215 |
| Assets per employee ($millions) | 10.2167% | 654 |
| Cash dividends to net income (ytd only)* | 66.6389% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1450% | 348 |
| Loan loss allowance to noncurrent loans | 131.2086% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 387 |
| Noncurrent loans to loans | 1.6348% | 390 |
| Net loans and leases to total assets | 62.4500% | 2,422 |
| Net loans and leases to deposits | 72.7262% | 2,403 |
| Net loans and leases to core deposits | 82.7319% | 2,079 |
| Total domestic deposits to total assets | 85.8700% | 2,632 |
| Equity capital to assets | 7.9745% | 3,257 |
| Core capital (leverage) ratio | 11.1634% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7027% | 1,441 |
| Memoranda: | ||
| Average total assets | $345,102,500 | 2,254 |
| Average earning assets | $330,569,500 | 2,211 |
| Average equity | $26,515,500 | 2,459 |
| Average total loans | $219,949,000 | 2,171 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 2,081 |
| Cost of funding earning assets | 0.4041% | 2,062 |
| Net interest margin | 3.4598% | 2,065 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.8543% | 3,923 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.5195% | 838 |
| Return on assets (ROA) | 1.5165% | 819 |
| Pretax return on assets | 1.5165% | 1,402 |
| Return on Equity (ROE) | 18.0700% | 695 |
| Retained earnings to average equity (ytd only) | 4.9799% | 3,066 |
| Net charge-offs to loans | -0.0512% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.7987% | 3,906 |
| Assets per employee ($millions) | 10.0834% | 657 |
| Cash dividends to net income (ytd only)* | 72.4480% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 306 |
| Loan loss allowance to noncurrent loans | 114.8707% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2181% | 311 |
| Noncurrent loans to loans | 1.9137% | 297 |
| Net loans and leases to total assets | 62.2500% | 2,406 |
| Net loans and leases to deposits | 69.6283% | 2,613 |
| Net loans and leases to core deposits | 77.1582% | 2,335 |
| Total domestic deposits to total assets | 89.4100% | 1,592 |
| Equity capital to assets | 7.3884% | 3,450 |
| Core capital (leverage) ratio | 11.4000% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7521% | 1,420 |
| Memoranda: | ||
| Average total assets | $332,677,800 | 2,287 |
| Average earning assets | $318,489,600 | 2,244 |
| Average equity | $27,912,200 | 2,431 |
| Average total loans | $203,161,800 | 2,206 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 1,724 |
| Cost of funding earning assets | 0.3543% | 1,668 |
| Net interest margin | 3.4573% | 1,787 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.9159% | 3,711 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5387% | 762 |
| Return on assets (ROA) | 1.5339% | 752 |
| Pretax return on assets | 1.5339% | 1,312 |
| Return on Equity (ROE) | 17.7300% | 680 |
| Retained earnings to average equity (ytd only) | 4.1972% | 3,378 |
| Net charge-offs to loans | 0.0421% | 1,073 |
| Credit loss provision to net charge-offs | 198.4127% | 983 |
| Earnings coverage of net charge-offs (x) | 62.4603% | 1,153 |
| Efficiency ratio | 54.6607% | 3,761 |
| Assets per employee ($millions) | 8.9861% | 895 |
| Cash dividends to net income (ytd only)* | 76.3296% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0650% | 444 |
| Loan loss allowance to noncurrent loans | 69.4534% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9116% | 144 |
| Noncurrent loans to loans | 2.9732% | 159 |
| Net loans and leases to total assets | 62.9700% | 2,195 |
| Net loans and leases to deposits | 70.2039% | 2,344 |
| Net loans and leases to core deposits | 77.8332% | 2,050 |
| Total domestic deposits to total assets | 89.6900% | 1,789 |
| Equity capital to assets | 6.9360% | 3,549 |
| Core capital (leverage) ratio | 11.1365% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7511% | 1,493 |
| Memoranda: | ||
| Average total assets | $330,138,250 | 2,315 |
| Average earning assets | $316,117,500 | 2,270 |
| Average equity | $28,557,750 | 2,432 |
| Average total loans | $199,397,500 | 2,232 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 1,477 |
| Cost of funding earning assets | 0.3272% | 1,463 |
| Net interest margin | 3.4009% | 1,604 |
| Noninterest income to average assets | 0.1878% | 4,068 |
| Noninterest expense to average assets | 1.9046% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5423% | 632 |
| Return on assets (ROA) | 1.5345% | 628 |
| Pretax return on assets | 1.5345% | 1,089 |
| Return on Equity (ROE) | 16.6679% | 608 |
| Retained earnings to average equity (ytd only) | 1.6014% | 3,856 |
| Net charge-offs to loans | -0.0081% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2549% | 3,850 |
| Assets per employee ($millions) | 9.3228% | 799 |
| Cash dividends to net income (ytd only)* | 90.3922% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 510 |
| Loan loss allowance to noncurrent loans | 117.8710% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 405 |
| Noncurrent loans to loans | 1.7323% | 393 |
| Net loans and leases to total assets | 62.3545% | 2,081 |
| Net loans and leases to deposits | 70.1322% | 2,188 |
| Net loans and leases to core deposits | 75.1667% | 2,078 |
| Total domestic deposits to total assets | 88.9099% | 2,224 |
| Equity capital to assets | 8.0215% | 3,110 |
| Core capital (leverage) ratio | 10.8466% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7798% | 1,490 |
| Memoranda: | ||
| Average total assets | $332,351,333 | 2,315 |
| Average earning assets | $318,500,000 | 2,280 |
| Average equity | $30,597,667 | 2,387 |
| Average total loans | $196,532,333 | 2,257 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5877% | 1,537 |
| Cost of funding earning assets | 0.3233% | 1,431 |
| Net interest margin | 3.2643% | 1,668 |
| Noninterest income to average assets | 0.1765% | 4,118 |
| Noninterest expense to average assets | 1.8821% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4253% | 749 |
| Return on assets (ROA) | 1.4205% | 753 |
| Pretax return on assets | 1.4205% | 1,201 |
| Return on Equity (ROE) | 14.5202% | 728 |
| Retained earnings to average equity (ytd only) | -2.5968% | 4,287 |
| Net charge-offs to loans | 0.0042% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 597.5000% | 166 |
| Efficiency ratio | 56.9059% | 3,798 |
| Assets per employee ($millions) | 10.0276% | 674 |
| Cash dividends to net income (ytd only)* | 117.8841% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 434 |
| Loan loss allowance to noncurrent loans | 137.4594% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 594 |
| Noncurrent loans to loans | 1.6031% | 502 |
| Net loans and leases to total assets | 55.0763% | 2,627 |
| Net loans and leases to deposits | 62.3194% | 2,687 |
| Net loans and leases to core deposits | 64.4825% | 2,756 |
| Total domestic deposits to total assets | 88.3774% | 2,340 |
| Equity capital to assets | 8.7285% | 2,950 |
| Core capital (leverage) ratio | 10.4740% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8132% | 1,305 |
| Memoranda: | ||
| Average total assets | $335,377,500 | 2,320 |
| Average earning assets | $321,659,000 | 2,278 |
| Average equity | $32,809,500 | 2,339 |
| Average total loans | $190,947,000 | 2,293 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 646 |
| Cost of funding earning assets | 0.4359% | 1,281 |
| Net interest margin | 4.0161% | 685 |
| Noninterest income to average assets | 0.1868% | 4,223 |
| Noninterest expense to average assets | 1.9186% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1092% | 280 |
| Return on assets (ROA) | 2.0211% | 342 |
| Pretax return on assets | 2.0230% | 578 |
| Return on Equity (ROE) | 17.5871% | 506 |
| Retained earnings to average equity (ytd only) | 3.3596% | 3,472 |
| Net charge-offs to loans | -0.0901% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6107% | 4,428 |
| Assets per employee ($millions) | 9.7004% | 727 |
| Cash dividends to net income (ytd only)* | 80.8975% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 431 |
| Loan loss allowance to noncurrent loans | 175.2795% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 848 |
| Noncurrent loans to loans | 1.2718% | 757 |
| Net loans and leases to total assets | 56.2900% | 2,568 |
| Net loans and leases to deposits | 66.0466% | 2,509 |
| Net loans and leases to core deposits | 68.7520% | 2,577 |
| Total domestic deposits to total assets | 85.2278% | 3,201 |
| Equity capital to assets | 10.8728% | 1,878 |
| Core capital (leverage) ratio | 10.9776% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9698% | 1,272 |
| Memoranda: | ||
| Average total assets | $313,145,800 | 2,377 |
| Average earning assets | $299,643,200 | 2,334 |
| Average equity | $35,986,600 | 2,242 |
| Average total loans | $202,018,800 | 2,221 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 676 |
| Cost of funding earning assets | 0.4578% | 1,302 |
| Net interest margin | 4.0430% | 724 |
| Noninterest income to average assets | 0.1856% | 4,269 |
| Noninterest expense to average assets | 1.9397% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1140% | 381 |
| Return on assets (ROA) | 1.9871% | 502 |
| Pretax return on assets | 1.9871% | 818 |
| Return on Equity (ROE) | 17.0465% | 757 |
| Retained earnings to average equity (ytd only) | 4.0867% | 3,552 |
| Net charge-offs to loans | -0.1125% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8497% | 4,375 |
| Assets per employee ($millions) | 9.0778% | 869 |
| Cash dividends to net income (ytd only)* | 76.0261% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 504 |
| Loan loss allowance to noncurrent loans | 171.1912% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 928 |
| Noncurrent loans to loans | 1.2465% | 886 |
| Net loans and leases to total assets | 60.9887% | 2,135 |
| Net loans and leases to deposits | 72.3868% | 2,012 |
| Net loans and leases to core deposits | 76.4667% | 2,003 |
| Total domestic deposits to total assets | 84.2539% | 3,386 |
| Equity capital to assets | 11.4502% | 1,711 |
| Core capital (leverage) ratio | 11.3965% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5253% | 1,473 |
| Memoranda: | ||
| Average total assets | $308,978,500 | 2,420 |
| Average earning assets | $295,614,500 | 2,379 |
| Average equity | $36,018,250 | 2,275 |
| Average total loans | $205,052,000 | 2,239 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 808 |
| Cost of funding earning assets | 0.4816% | 1,308 |
| Net interest margin | 3.9562% | 877 |
| Noninterest income to average assets | 0.1790% | 4,306 |
| Noninterest expense to average assets | 1.9486% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0198% | 468 |
| Return on assets (ROA) | 1.8447% | 682 |
| Pretax return on assets | 1.8447% | 1,134 |
| Return on Equity (ROE) | 15.7280% | 1,010 |
| Retained earnings to average equity (ytd only) | 4.5853% | 3,332 |
| Net charge-offs to loans | -0.1639% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1026% | 4,309 |
| Assets per employee ($millions) | 8.8342% | 906 |
| Cash dividends to net income (ytd only)* | 70.8466% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 597 |
| Loan loss allowance to noncurrent loans | 102.0798% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 373 |
| Noncurrent loans to loans | 1.9722% | 502 |
| Net loans and leases to total assets | 66.4434% | 1,641 |
| Net loans and leases to deposits | 79.3392% | 1,482 |
| Net loans and leases to core deposits | 83.5313% | 1,604 |
| Total domestic deposits to total assets | 83.7460% | 3,513 |
| Equity capital to assets | 11.7378% | 1,495 |
| Core capital (leverage) ratio | 11.3155% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9370% | 1,349 |
| Memoranda: | ||
| Average total assets | $306,063,667 | 2,424 |
| Average earning assets | $293,161,333 | 2,385 |
| Average equity | $35,897,667 | 2,273 |
| Average total loans | $207,402,667 | 2,225 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 1,215 |
| Cost of funding earning assets | 0.5153% | 1,303 |
| Net interest margin | 3.6756% | 1,388 |
| Noninterest income to average assets | 0.1708% | 4,343 |
| Noninterest expense to average assets | 1.9889% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7051% | 929 |
| Return on assets (ROA) | 1.3544% | 1,762 |
| Pretax return on assets | 1.3544% | 2,415 |
| Return on Equity (ROE) | 11.5518% | 2,173 |
| Retained earnings to average equity (ytd only) | -2.4538% | 4,568 |
| Net charge-offs to loans | -0.0310% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8407% | 3,806 |
| Assets per employee ($millions) | 8.5679% | 965 |
| Cash dividends to net income (ytd only)* | 121.2415% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 717 |
| Loan loss allowance to noncurrent loans | 68.1240% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.1087% | 232 |
| Noncurrent loans to loans | 2.8172% | 296 |
| Net loans and leases to total assets | 67.3842% | 1,611 |
| Net loans and leases to deposits | 80.0356% | 1,522 |
| Net loans and leases to core deposits | 85.2259% | 1,575 |
| Total domestic deposits to total assets | 84.1929% | 3,371 |
| Equity capital to assets | 11.3651% | 1,622 |
| Core capital (leverage) ratio | 11.2447% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1297% | 1,531 |
| Memoranda: | ||
| Average total assets | $304,497,000 | 2,419 |
| Average earning assets | $291,868,500 | 2,373 |
| Average equity | $35,700,000 | 2,276 |
| Average total loans | $206,273,000 | 2,233 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 808 |
| Cost of funding earning assets | 0.7774% | 1,310 |
| Net interest margin | 3.9712% | 1,042 |
| Noninterest income to average assets | 0.1925% | 4,324 |
| Noninterest expense to average assets | 1.9199% | 4,285 |
| Loan and lease loss provision to assets | 0.2562% | 1,518 |
| Net operating income to assets | 1.8043% | 385 |
| Return on assets (ROA) | 1.8147% | 406 |
| Pretax return on assets | 1.8147% | 667 |
| Return on Equity (ROE) | 15.8138% | 525 |
| Retained earnings to average equity (ytd only) | 9.8513% | 617 |
| Net charge-offs to loans | 0.2189% | 794 |
| Credit loss provision to net charge-offs | 166.6667% | 2,336 |
| Earnings coverage of net charge-offs (x) | 13.4057% | 2,281 |
| Efficiency ratio | 48.2344% | 4,624 |
| Assets per employee ($millions) | 8.3486% | 926 |
| Cash dividends to net income (ytd only)* | 37.7043% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 563 |
| Loan loss allowance to noncurrent loans | 72.0947% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 318 |
| Noncurrent loans to loans | 2.8006% | 332 |
| Net loans and leases to total assets | 65.4085% | 2,169 |
| Net loans and leases to deposits | 78.2899% | 2,039 |
| Net loans and leases to core deposits | 84.5099% | 1,993 |
| Total domestic deposits to total assets | 83.5466% | 3,248 |
| Equity capital to assets | 12.0928% | 1,521 |
| Core capital (leverage) ratio | 11.4925% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2123% | 1,208 |
| Memoranda: | ||
| Average total assets | $296,687,000 | 2,306 |
| Average earning assets | $282,989,800 | 2,270 |
| Average equity | $34,046,200 | 2,289 |
| Average total loans | $208,360,200 | 2,173 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 910 |
| Cost of funding earning assets | 0.8194% | 1,400 |
| Net interest margin | 3.9603% | 1,213 |
| Noninterest income to average assets | 0.1862% | 4,358 |
| Noninterest expense to average assets | 1.8950% | 4,337 |
| Loan and lease loss provision to assets | 0.3426% | 1,117 |
| Net operating income to assets | 1.7228% | 551 |
| Return on assets (ROA) | 1.7340% | 593 |
| Pretax return on assets | 1.7340% | 901 |
| Return on Equity (ROE) | 15.3201% | 645 |
| Retained earnings to average equity (ytd only) | 9.2654% | 921 |
| Net charge-offs to loans | 0.2504% | 610 |
| Credit loss provision to net charge-offs | 192.4051% | 2,139 |
| Earnings coverage of net charge-offs (x) | 11.5975% | 2,293 |
| Efficiency ratio | 47.8484% | 4,617 |
| Assets per employee ($millions) | 8.0522% | 974 |
| Cash dividends to net income (ytd only)* | 39.5216% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 640 |
| Loan loss allowance to noncurrent loans | 70.3628% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.9615% | 344 |
| Noncurrent loans to loans | 2.6391% | 392 |
| Net loans and leases to total assets | 72.9443% | 1,511 |
| Net loans and leases to deposits | 89.1593% | 1,355 |
| Net loans and leases to core deposits | 100.4929% | 1,127 |
| Total domestic deposits to total assets | 81.8134% | 3,469 |
| Equity capital to assets | 11.8684% | 1,758 |
| Core capital (leverage) ratio | 11.2993% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0591% | 1,488 |
| Memoranda: | ||
| Average total assets | $295,721,000 | 2,300 |
| Average earning assets | $281,827,000 | 2,264 |
| Average equity | $33,471,500 | 2,306 |
| Average total loans | $210,291,000 | 2,163 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 1,231 |
| Cost of funding earning assets | 0.8601% | 1,543 |
| Net interest margin | 3.9137% | 1,537 |
| Noninterest income to average assets | 0.1871% | 4,341 |
| Noninterest expense to average assets | 1.9045% | 4,409 |
| Loan and lease loss provision to assets | 0.2576% | 1,642 |
| Net operating income to assets | 1.7547% | 553 |
| Return on assets (ROA) | 1.7696% | 588 |
| Pretax return on assets | 1.7696% | 860 |
| Return on Equity (ROE) | 15.8943% | 585 |
| Retained earnings to average equity (ytd only) | 9.7436% | 838 |
| Net charge-offs to loans | 0.3147% | 511 |
| Credit loss provision to net charge-offs | 116.9231% | 2,304 |
| Earnings coverage of net charge-offs (x) | 9.1323% | 2,246 |
| Efficiency ratio | 48.6239% | 4,583 |
| Assets per employee ($millions) | 8.3355% | 859 |
| Cash dividends to net income (ytd only)* | 38.6973% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 848 |
| Loan loss allowance to noncurrent loans | 76.9169% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6027% | 556 |
| Noncurrent loans to loans | 2.1856% | 584 |
| Net loans and leases to total assets | 72.0988% | 1,688 |
| Net loans and leases to deposits | 87.8957% | 1,568 |
| Net loans and leases to core deposits | 99.4828% | 1,294 |
| Total domestic deposits to total assets | 82.0277% | 3,362 |
| Equity capital to assets | 11.2518% | 2,148 |
| Core capital (leverage) ratio | 10.9990% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3037% | 1,697 |
| Memoranda: | ||
| Average total assets | $294,983,667 | 2,281 |
| Average earning assets | $281,116,000 | 2,242 |
| Average equity | $32,842,000 | 2,322 |
| Average total loans | $206,575,667 | 2,172 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 1,064 |
| Cost of funding earning assets | 0.9431% | 1,672 |
| Net interest margin | 4.0056% | 1,378 |
| Noninterest income to average assets | 0.1998% | 4,359 |
| Noninterest expense to average assets | 1.9607% | 4,471 |
| Loan and lease loss provision to assets | 0.1665% | 1,758 |
| Net operating income to assets | 1.8857% | 344 |
| Return on assets (ROA) | 1.8857% | 379 |
| Pretax return on assets | 1.8857% | 584 |
| Return on Equity (ROE) | 17.0343% | 335 |
| Retained earnings to average equity (ytd only) | 10.7671% | 607 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8589% | 4,717 |
| Assets per employee ($millions) | 7.7971% | 801 |
| Cash dividends to net income (ytd only)* | 36.7918% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 533 |
| Loan loss allowance to noncurrent loans | 110.5805% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 973 |
| Noncurrent loans to loans | 1.7787% | 847 |
| Net loans and leases to total assets | 68.6623% | 2,443 |
| Net loans and leases to deposits | 82.5543% | 2,379 |
| Net loans and leases to core deposits | 94.1663% | 1,960 |
| Total domestic deposits to total assets | 83.1722% | 3,052 |
| Equity capital to assets | 11.4551% | 2,480 |
| Core capital (leverage) ratio | 11.2446% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5854% | 1,723 |
| Memoranda: | ||
| Average total assets | $288,269,000 | 2,274 |
| Average earning assets | $274,413,000 | 2,232 |
| Average equity | $31,912,000 | 2,357 |
| Average total loans | $196,781,500 | 2,210 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 1,142 |
| Cost of funding earning assets | 0.8285% | 2,535 |
| Net interest margin | 4.3067% | 1,078 |
| Noninterest income to average assets | 0.2295% | 4,292 |
| Noninterest expense to average assets | 2.0028% | 4,527 |
| Loan and lease loss provision to assets | 0.4031% | 355 |
| Net operating income to assets | 1.9137% | 422 |
| Return on assets (ROA) | 1.9137% | 439 |
| Pretax return on assets | 1.9201% | 713 |
| Return on Equity (ROE) | 17.0662% | 413 |
| Retained earnings to average equity (ytd only) | 0.6167% | 4,511 |
| Net charge-offs to loans | 0.3012% | 693 |
| Credit loss provision to net charge-offs | 189.4472% | 1,393 |
| Earnings coverage of net charge-offs (x) | 10.9179% | 2,540 |
| Efficiency ratio | 46.2964% | 4,902 |
| Assets per employee ($millions) | 8.7012% | 552 |
| Cash dividends to net income (ytd only)* | 96.3867% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 547 |
| Loan loss allowance to noncurrent loans | 144.8396% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 1,460 |
| Noncurrent loans to loans | 1.3134% | 1,139 |
| Net loans and leases to total assets | 65.3108% | 3,038 |
| Net loans and leases to deposits | 77.8353% | 3,027 |
| Net loans and leases to core deposits | 91.0846% | 2,315 |
| Total domestic deposits to total assets | 83.9089% | 2,873 |
| Equity capital to assets | 10.7051% | 3,252 |
| Core capital (leverage) ratio | 11.0238% | 2,484 |
| Tier 1 risk-based capital ratio | 14.0360% | 3,249 |
| Total risk-based capital ratio | 15.2974% | 3,150 |
| Memoranda: | ||
| Average total assets | $280,551,400 | 2,272 |
| Average earning assets | $266,865,000 | 2,233 |
| Average equity | $31,459,800 | 2,323 |
| Average total loans | $198,182,400 | 2,181 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 1,030 |
| Cost of funding earning assets | 0.8100% | 2,660 |
| Net interest margin | 4.3965% | 954 |
| Noninterest income to average assets | 0.2284% | 4,370 |
| Noninterest expense to average assets | 2.0530% | 4,451 |
| Loan and lease loss provision to assets | 0.1349% | 1,423 |
| Net operating income to assets | 2.2153% | 269 |
| Return on assets (ROA) | 2.2153% | 278 |
| Pretax return on assets | 2.2221% | 435 |
| Return on Equity (ROE) | 19.5194% | 279 |
| Retained earnings to average equity (ytd only) | 3.9183% | 3,443 |
| Net charge-offs to loans | 0.0121% | 2,930 |
| Credit loss provision to net charge-offs | 1,555.5556% | 241 |
| Earnings coverage of net charge-offs (x) | 271.7708% | 341 |
| Efficiency ratio | 46.5530% | 4,912 |
| Assets per employee ($millions) | 7.3694% | 892 |
| Cash dividends to net income (ytd only)* | 79.9261% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 811 |
| Loan loss allowance to noncurrent loans | 333.2694% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 3,016 |
| Noncurrent loans to loans | 0.5110% | 2,759 |
| Net loans and leases to total assets | 71.6403% | 2,233 |
| Net loans and leases to deposits | 89.0011% | 1,814 |
| Net loans and leases to core deposits | 99.0027% | 1,744 |
| Total domestic deposits to total assets | 80.4937% | 3,867 |
| Equity capital to assets | 11.6184% | 2,584 |
| Core capital (leverage) ratio | 11.4282% | 2,284 |
| Tier 1 risk-based capital ratio | 13.8460% | 3,402 |
| Total risk-based capital ratio | 15.1044% | 3,308 |
| Memoranda: | ||
| Average total assets | $276,729,000 | 2,307 |
| Average earning assets | $263,204,500 | 2,267 |
| Average equity | $31,407,250 | 2,342 |
| Average total loans | $198,487,250 | 2,197 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 1,251 |
| Cost of funding earning assets | 0.7474% | 2,907 |
| Net interest margin | 4.3384% | 1,069 |
| Noninterest income to average assets | 0.2206% | 4,422 |
| Noninterest expense to average assets | 2.1014% | 4,416 |
| Loan and lease loss provision to assets | 0.0726% | 2,365 |
| Net operating income to assets | 2.1718% | 280 |
| Return on assets (ROA) | 2.1718% | 294 |
| Pretax return on assets | 2.1783% | 462 |
| Return on Equity (ROE) | 19.2904% | 298 |
| Retained earnings to average equity (ytd only) | 1.2439% | 4,367 |
| Net charge-offs to loans | 0.0275% | 2,306 |
| Credit loss provision to net charge-offs | 370.3704% | 770 |
| Earnings coverage of net charge-offs (x) | 114.8889% | 627 |
| Efficiency ratio | 48.2828% | 4,887 |
| Assets per employee ($millions) | 7.2920% | 888 |
| Cash dividends to net income (ytd only)* | 93.5516% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 1,027 |
| Loan loss allowance to noncurrent loans | 112.6843% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 1,300 |
| Noncurrent loans to loans | 1.4196% | 1,089 |
| Net loans and leases to total assets | 72.9701% | 2,066 |
| Net loans and leases to deposits | 89.9501% | 1,748 |
| Net loans and leases to core deposits | 100.4651% | 1,681 |
| Total domestic deposits to total assets | 81.1229% | 3,768 |
| Equity capital to assets | 11.4227% | 2,683 |
| Core capital (leverage) ratio | 11.4517% | 2,206 |
| Tier 1 risk-based capital ratio | 13.4043% | 3,628 |
| Total risk-based capital ratio | 14.6609% | 3,529 |
| Memoranda: | ||
| Average total assets | $275,626,000 | 2,321 |
| Average earning assets | $262,494,000 | 2,283 |
| Average equity | $31,031,000 | 2,353 |
| Average total loans | $196,617,670 | 2,216 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 1,523 |
| Cost of funding earning assets | 0.6887% | 3,108 |
| Net interest margin | 4.2392% | 1,220 |
| Noninterest income to average assets | 0.2066% | 4,509 |
| Noninterest expense to average assets | 2.1390% | 4,399 |
| Loan and lease loss provision to assets | 0.0728% | 2,216 |
| Net operating income to assets | 2.0284% | 368 |
| Return on assets (ROA) | 2.0284% | 387 |
| Pretax return on assets | 2.0343% | 602 |
| Return on Equity (ROE) | 18.1507% | 385 |
| Retained earnings to average equity (ytd only) | -1.3802% | 4,695 |
| Net charge-offs to loans | 0.0146% | 2,187 |
| Credit loss provision to net charge-offs | 714.2857% | 478 |
| Earnings coverage of net charge-offs (x) | 206.8571% | 377 |
| Efficiency ratio | 50.3770% | 4,800 |
| Assets per employee ($millions) | 6.8999% | 1,044 |
| Cash dividends to net income (ytd only)* | 107.6040% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 848 |
| Loan loss allowance to noncurrent loans | 227.2156% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 2,508 |
| Noncurrent loans to loans | 0.7511% | 2,152 |
| Net loans and leases to total assets | 69.6877% | 2,533 |
| Net loans and leases to deposits | 83.0150% | 2,498 |
| Net loans and leases to core deposits | 90.7036% | 2,422 |
| Total domestic deposits to total assets | 83.9458% | 3,066 |
| Equity capital to assets | 11.4922% | 2,406 |
| Core capital (leverage) ratio | 11.5716% | 2,087 |
| Tier 1 risk-based capital ratio | 13.6518% | 3,519 |
| Total risk-based capital ratio | 14.9092% | 3,428 |
| Memoranda: | ||
| Average total assets | $274,890,500 | 2,343 |
| Average earning assets | $261,935,000 | 2,303 |
| Average equity | $30,720,500 | 2,368 |
| Average total loans | $192,184,000 | 2,269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 1,308 |
| Cost of funding earning assets | 0.6234% | 2,564 |
| Net interest margin | 4.2702% | 1,223 |
| Noninterest income to average assets | 0.2252% | 4,571 |
| Noninterest expense to average assets | 2.0836% | 4,602 |
| Loan and lease loss provision to assets | 0.0823% | 2,485 |
| Net operating income to assets | 2.1192% | 291 |
| Return on assets (ROA) | 2.1192% | 283 |
| Pretax return on assets | 2.1255% | 415 |
| Return on Equity (ROE) | 18.8115% | 318 |
| Retained earnings to average equity (ytd only) | 1.6769% | 4,476 |
| Net charge-offs to loans | -0.0186% | 4,680 |
| Credit loss provision to net charge-offs | -628.5714% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5530% | 5,018 |
| Assets per employee ($millions) | 7.5861% | 767 |
| Cash dividends to net income (ytd only)* | 91.0856% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 903 |
| Loan loss allowance to noncurrent loans | 628.9628% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 3,900 |
| Noncurrent loans to loans | 0.2640% | 3,631 |
| Net loans and leases to total assets | 67.8238% | 2,901 |
| Net loans and leases to deposits | 81.7728% | 2,762 |
| Net loans and leases to core deposits | 88.4883% | 2,709 |
| Total domestic deposits to total assets | 82.9418% | 3,346 |
| Equity capital to assets | 10.8719% | 2,822 |
| Core capital (leverage) ratio | 11.6026% | 2,023 |
| Tier 1 risk-based capital ratio | 14.3246% | 3,156 |
| Total risk-based capital ratio | 15.5817% | 3,066 |
| Memoranda: | ||
| Average total assets | $267,323,000 | 2,356 |
| Average earning assets | $254,553,800 | 2,306 |
| Average equity | $30,114,600 | 2,328 |
| Average total loans | $188,012,400 | 2,269 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 1,216 |
| Cost of funding earning assets | 0.6022% | 2,460 |
| Net interest margin | 4.2764% | 1,169 |
| Noninterest income to average assets | 0.2177% | 4,662 |
| Noninterest expense to average assets | 2.1051% | 4,540 |
| Loan and lease loss provision to assets | 0.0808% | 2,339 |
| Net operating income to assets | 2.0955% | 315 |
| Return on assets (ROA) | 2.0955% | 310 |
| Pretax return on assets | 2.1026% | 480 |
| Return on Equity (ROE) | 18.4308% | 385 |
| Retained earnings to average equity (ytd only) | 2.0390% | 4,573 |
| Net charge-offs to loans | -0.0257% | 4,696 |
| Credit loss provision to net charge-offs | -444.4444% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0873% | 4,995 |
| Assets per employee ($millions) | 7.0737% | 907 |
| Cash dividends to net income (ytd only)* | 88.9372% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,065 |
| Loan loss allowance to noncurrent loans | 411.2125% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 3,544 |
| Noncurrent loans to loans | 0.3910% | 3,252 |
| Net loans and leases to total assets | 71.7978% | 2,360 |
| Net loans and leases to deposits | 93.7337% | 1,405 |
| Net loans and leases to core deposits | 101.9676% | 1,616 |
| Total domestic deposits to total assets | 76.5976% | 4,708 |
| Equity capital to assets | 11.1294% | 2,535 |
| Core capital (leverage) ratio | 11.5904% | 2,099 |
| Tier 1 risk-based capital ratio | 13.5456% | 3,601 |
| Total risk-based capital ratio | 14.7969% | 3,516 |
| Memoranda: | ||
| Average total assets | $263,982,250 | 2,389 |
| Average earning assets | $251,294,500 | 2,340 |
| Average equity | $30,014,250 | 2,338 |
| Average total loans | $186,619,000 | 2,290 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 1,442 |
| Cost of funding earning assets | 0.5378% | 2,709 |
| Net interest margin | 4.1860% | 1,318 |
| Noninterest income to average assets | 0.2218% | 4,695 |
| Noninterest expense to average assets | 2.1016% | 4,601 |
| Loan and lease loss provision to assets | 0.0686% | 2,507 |
| Net operating income to assets | 2.0375% | 351 |
| Return on assets (ROA) | 2.0375% | 348 |
| Pretax return on assets | 2.0444% | 551 |
| Return on Equity (ROE) | 17.7921% | 438 |
| Retained earnings to average equity (ytd only) | 1.6840% | 4,573 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8644% | 5,032 |
| Assets per employee ($millions) | 6.5841% | 1,137 |
| Cash dividends to net income (ytd only)* | 90.5350% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,126 |
| Loan loss allowance to noncurrent loans | 226.7857% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,714 |
| Noncurrent loans to loans | 0.7035% | 2,352 |
| Net loans and leases to total assets | 71.3812% | 2,383 |
| Net loans and leases to deposits | 91.2875% | 1,673 |
| Net loans and leases to core deposits | 97.7699% | 1,909 |
| Total domestic deposits to total assets | 78.1938% | 4,554 |
| Equity capital to assets | 11.3907% | 2,275 |
| Core capital (leverage) ratio | 11.7983% | 1,839 |
| Tier 1 risk-based capital ratio | 13.4120% | 3,666 |
| Total risk-based capital ratio | 14.6626% | 3,587 |
| Memoranda: | ||
| Average total assets | $262,375,670 | 2,398 |
| Average earning assets | $250,260,000 | 2,356 |
| Average equity | $30,047,000 | 2,348 |
| Average total loans | $183,442,670 | 2,319 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 1,685 |
| Cost of funding earning assets | 0.5069% | 2,743 |
| Net interest margin | 4.0548% | 1,549 |
| Noninterest income to average assets | 0.2031% | 4,812 |
| Noninterest expense to average assets | 2.1017% | 4,658 |
| Loan and lease loss provision to assets | 0.0687% | 2,388 |
| Net operating income to assets | 1.8986% | 453 |
| Return on assets (ROA) | 1.8986% | 455 |
| Pretax return on assets | 1.9062% | 715 |
| Return on Equity (ROE) | 16.5342% | 550 |
| Retained earnings to average equity (ytd only) | -0.2261% | 4,825 |
| Net charge-offs to loans | 0.0045% | 2,578 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 646.5000% | 97 |
| Efficiency ratio | 51.5549% | 4,993 |
| Assets per employee ($millions) | 7.0833% | 929 |
| Cash dividends to net income (ytd only)* | 101.3677% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,031 |
| Loan loss allowance to noncurrent loans | 197.6943% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 2,493 |
| Noncurrent loans to loans | 0.8394% | 2,138 |
| Net loans and leases to total assets | 67.8574% | 2,783 |
| Net loans and leases to deposits | 83.5406% | 2,446 |
| Net loans and leases to core deposits | 88.2796% | 2,608 |
| Total domestic deposits to total assets | 81.2269% | 4,147 |
| Equity capital to assets | 11.3747% | 2,235 |
| Core capital (leverage) ratio | 11.6553% | 1,888 |
| Tier 1 risk-based capital ratio | 14.2610% | 3,247 |
| Total risk-based capital ratio | 15.5124% | 3,167 |
| Memoranda: | ||
| Average total assets | $261,881,000 | 2,431 |
| Average earning assets | $250,172,500 | 2,375 |
| Average equity | $30,071,000 | 2,359 |
| Average total loans | $179,643,500 | 2,366 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 1,197 |
| Cost of funding earning assets | 0.4401% | 2,872 |
| Net interest margin | 4.2588% | 1,059 |
| Noninterest income to average assets | 0.2252% | 4,794 |
| Noninterest expense to average assets | 2.1015% | 4,762 |
| Loan and lease loss provision to assets | 0.0828% | 2,544 |
| Net operating income to assets | 2.0975% | 234 |
| Return on assets (ROA) | 2.1354% | 223 |
| Pretax return on assets | 2.1425% | 354 |
| Return on Equity (ROE) | 17.9664% | 308 |
| Retained earnings to average equity (ytd only) | 2.6709% | 3,716 |
| Net charge-offs to loans | -0.0524% | 5,204 |
| Credit loss provision to net charge-offs | -228.2609% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9978% | 5,266 |
| Assets per employee ($millions) | 6.7097% | 1,103 |
| Cash dividends to net income (ytd only)* | 85.1339% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,018 |
| Loan loss allowance to noncurrent loans | 220.5817% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 2,759 |
| Noncurrent loans to loans | 0.7515% | 2,325 |
| Net loans and leases to total assets | 67.0613% | 2,955 |
| Net loans and leases to deposits | 83.1305% | 2,593 |
| Net loans and leases to core deposits | 87.8766% | 2,734 |
| Total domestic deposits to total assets | 80.6699% | 4,202 |
| Equity capital to assets | 11.5909% | 2,121 |
| Core capital (leverage) ratio | 11.8166% | 1,713 |
| Tier 1 risk-based capital ratio | 14.4391% | 3,116 |
| Total risk-based capital ratio | 15.6908% | 3,033 |
| Memoranda: | ||
| Average total assets | $253,582,400 | 2,465 |
| Average earning assets | $241,970,200 | 2,412 |
| Average equity | $30,139,600 | 2,347 |
| Average total loans | $175,719,800 | 2,374 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,276 |
| Cost of funding earning assets | 0.4330% | 2,871 |
| Net interest margin | 4.2060% | 1,139 |
| Noninterest income to average assets | 0.2141% | 4,936 |
| Noninterest expense to average assets | 2.0649% | 4,813 |
| Loan and lease loss provision to assets | 0.1113% | 1,923 |
| Net operating income to assets | 2.0411% | 296 |
| Return on assets (ROA) | 2.0416% | 303 |
| Pretax return on assets | 2.0490% | 495 |
| Return on Equity (ROE) | 17.0674% | 411 |
| Retained earnings to average equity (ytd only) | 2.2243% | 4,527 |
| Net charge-offs to loans | -0.2582% | 5,585 |
| Credit loss provision to net charge-offs | -61.9469% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8772% | 5,298 |
| Assets per employee ($millions) | 6.3665% | 1,270 |
| Cash dividends to net income (ytd only)* | 86.9679% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 1,027 |
| Loan loss allowance to noncurrent loans | 117.1846% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 1,149 |
| Noncurrent loans to loans | 1.4538% | 1,288 |
| Net loans and leases to total assets | 70.8464% | 2,433 |
| Net loans and leases to deposits | 95.4931% | 1,154 |
| Net loans and leases to core deposits | 100.5267% | 1,662 |
| Total domestic deposits to total assets | 74.1901% | 5,222 |
| Equity capital to assets | 11.7137% | 2,177 |
| Core capital (leverage) ratio | 11.8539% | 1,782 |
| Tier 1 risk-based capital ratio | 13.7389% | 3,556 |
| Total risk-based capital ratio | 14.9913% | 3,492 |
| Memoranda: | ||
| Average total assets | $251,558,000 | 2,496 |
| Average earning assets | $239,874,250 | 2,441 |
| Average equity | $30,091,750 | 2,368 |
| Average total loans | $175,038,750 | 2,389 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,386 |
| Cost of funding earning assets | 0.3988% | 3,088 |
| Net interest margin | 4.1538% | 1,193 |
| Noninterest income to average assets | 0.2174% | 4,950 |
| Noninterest expense to average assets | 2.0813% | 4,803 |
| Loan and lease loss provision to assets | 0.1449% | 1,408 |
| Net operating income to assets | 1.9509% | 336 |
| Return on assets (ROA) | 1.9517% | 343 |
| Pretax return on assets | 1.9589% | 577 |
| Return on Equity (ROE) | 16.1976% | 503 |
| Retained earnings to average equity (ytd only) | 2.1650% | 4,382 |
| Net charge-offs to loans | -0.0328% | 4,999 |
| Credit loss provision to net charge-offs | -642.8571% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7402% | 5,322 |
| Assets per employee ($millions) | 6.1052% | 1,383 |
| Cash dividends to net income (ytd only)* | 86.6337% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 1,257 |
| Loan loss allowance to noncurrent loans | 99.9302% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 1,469 |
| Noncurrent loans to loans | 1.6021% | 1,156 |
| Net loans and leases to total assets | 70.3228% | 2,479 |
| Net loans and leases to deposits | 89.1217% | 1,849 |
| Net loans and leases to core deposits | 93.2233% | 2,222 |
| Total domestic deposits to total assets | 78.9064% | 4,636 |
| Equity capital to assets | 12.1536% | 1,827 |
| Core capital (leverage) ratio | 12.1878% | 1,540 |
| Tier 1 risk-based capital ratio | 14.2209% | 3,298 |
| Total risk-based capital ratio | 15.4720% | 3,219 |
| Memoranda: | ||
| Average total assets | $248,401,330 | 2,533 |
| Average earning assets | $237,226,330 | 2,476 |
| Average equity | $29,930,330 | 2,374 |
| Average total loans | $170,673,670 | 2,435 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 1,694 |
| Cost of funding earning assets | 0.3743% | 3,256 |
| Net interest margin | 4.0106% | 1,441 |
| Noninterest income to average assets | 0.2538% | 4,724 |
| Noninterest expense to average assets | 2.0675% | 4,911 |
| Loan and lease loss provision to assets | 0.1455% | 1,287 |
| Net operating income to assets | 1.8606% | 397 |
| Return on assets (ROA) | 1.8622% | 411 |
| Pretax return on assets | 1.8703% | 690 |
| Return on Equity (ROE) | 15.5233% | 589 |
| Retained earnings to average equity (ytd only) | -1.3206% | 5,105 |
| Net charge-offs to loans | -0.0120% | 4,501 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6535% | 5,339 |
| Assets per employee ($millions) | 6.1659% | 1,385 |
| Cash dividends to net income (ytd only)* | 108.5069% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,276 |
| Loan loss allowance to noncurrent loans | 98.2851% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 1,509 |
| Noncurrent loans to loans | 1.6686% | 1,157 |
| Net loans and leases to total assets | 66.8964% | 2,832 |
| Net loans and leases to deposits | 83.6210% | 2,327 |
| Net loans and leases to core deposits | 87.4360% | 2,603 |
| Total domestic deposits to total assets | 79.9996% | 4,619 |
| Equity capital to assets | 12.0709% | 1,783 |
| Core capital (leverage) ratio | 12.0319% | 1,608 |
| Tier 1 risk-based capital ratio | 14.6923% | 3,118 |
| Total risk-based capital ratio | 15.9434% | 3,044 |
| Memoranda: | ||
| Average total assets | $247,445,500 | 2,562 |
| Average earning assets | $236,172,500 | 2,500 |
| Average equity | $29,684,500 | 2,405 |
| Average total loans | $166,565,000 | 2,496 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 1,775 |
| Cost of funding earning assets | 0.3666% | 3,349 |
| Net interest margin | 4.0505% | 1,494 |
| Noninterest income to average assets | 0.2797% | 4,737 |
| Noninterest expense to average assets | 2.1893% | 4,797 |
| Loan and lease loss provision to assets | 0.3715% | 444 |
| Net operating income to assets | 1.5746% | 720 |
| Return on assets (ROA) | 1.5921% | 717 |
| Pretax return on assets | 1.5993% | 1,284 |
| Return on Equity (ROE) | 13.2424% | 938 |
| Retained earnings to average equity (ytd only) | 1.3120% | 4,755 |
| Net charge-offs to loans | 0.5270% | 458 |
| Credit loss provision to net charge-offs | 106.6135% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.6055% | 3,315 |
| Efficiency ratio | 52.8486% | 5,322 |
| Assets per employee ($millions) | 6.2064% | 1,330 |
| Cash dividends to net income (ytd only)* | 90.0923% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,356 |
| Loan loss allowance to noncurrent loans | 101.6067% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 1,715 |
| Noncurrent loans to loans | 1.5805% | 1,249 |
| Net loans and leases to total assets | 65.5505% | 3,142 |
| Net loans and leases to deposits | 80.5625% | 2,833 |
| Net loans and leases to core deposits | 84.2788% | 2,998 |
| Total domestic deposits to total assets | 81.3660% | 4,245 |
| Equity capital to assets | 11.9224% | 1,865 |
| Core capital (leverage) ratio | 12.1482% | 1,512 |
| Tier 1 risk-based capital ratio | 15.2529% | 2,861 |
| Total risk-based capital ratio | 16.5042% | 2,795 |
| Memoranda: | ||
| Average total assets | $251,676,000 | 2,492 |
| Average earning assets | $240,019,400 | 2,433 |
| Average equity | $30,258,800 | 2,331 |
| Average total loans | $166,402,000 | 2,451 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,779 |
| Cost of funding earning assets | 0.3637% | 3,401 |
| Net interest margin | 4.0612% | 1,498 |
| Noninterest income to average assets | 0.2471% | 4,991 |
| Noninterest expense to average assets | 2.2053% | 4,757 |
| Loan and lease loss provision to assets | 0.3775% | 401 |
| Net operating income to assets | 1.5311% | 825 |
| Return on assets (ROA) | 1.5544% | 833 |
| Pretax return on assets | 1.5612% | 1,492 |
| Return on Equity (ROE) | 12.9018% | 1,085 |
| Retained earnings to average equity (ytd only) | 1.4637% | 4,926 |
| Net charge-offs to loans | 0.4408% | 484 |
| Credit loss provision to net charge-offs | 129.7641% | 1,977 |
| Earnings coverage of net charge-offs (x) | 6.5844% | 2,987 |
| Efficiency ratio | 53.5170% | 5,271 |
| Assets per employee ($millions) | 6.2832% | 1,245 |
| Cash dividends to net income (ytd only)* | 88.6547% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,484 |
| Loan loss allowance to noncurrent loans | 77.0432% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4666% | 1,233 |
| Noncurrent loans to loans | 2.0715% | 935 |
| Net loans and leases to total assets | 67.7609% | 2,828 |
| Net loans and leases to deposits | 91.6405% | 1,546 |
| Net loans and leases to core deposits | 97.2810% | 1,883 |
| Total domestic deposits to total assets | 73.9420% | 5,439 |
| Equity capital to assets | 12.2310% | 1,959 |
| Core capital (leverage) ratio | 11.8270% | 1,795 |
| Tier 1 risk-based capital ratio | 14.1985% | 3,459 |
| Total risk-based capital ratio | 15.4490% | 3,382 |
| Memoranda: | ||
| Average total assets | $252,531,000 | 2,490 |
| Average earning assets | $240,873,750 | 2,437 |
| Average equity | $30,424,000 | 2,337 |
| Average total loans | $166,655,250 | 2,451 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 1,773 |
| Cost of funding earning assets | 0.3416% | 3,659 |
| Net interest margin | 4.0772% | 1,424 |
| Noninterest income to average assets | 0.2309% | 5,102 |
| Noninterest expense to average assets | 2.2204% | 4,799 |
| Loan and lease loss provision to assets | 0.3756% | 414 |
| Net operating income to assets | 1.5253% | 852 |
| Return on assets (ROA) | 1.5601% | 832 |
| Pretax return on assets | 1.5672% | 1,469 |
| Return on Equity (ROE) | 13.0151% | 1,026 |
| Retained earnings to average equity (ytd only) | 1.2731% | 4,878 |
| Net charge-offs to loans | 0.2091% | 1,119 |
| Credit loss provision to net charge-offs | 276.1628% | 1,021 |
| Earnings coverage of net charge-offs (x) | 14.0291% | 2,082 |
| Efficiency ratio | 53.7828% | 5,329 |
| Assets per employee ($millions) | 5.9771% | 1,421 |
| Cash dividends to net income (ytd only)* | 90.2179% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 1,331 |
| Loan loss allowance to noncurrent loans | 178.0847% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 3,011 |
| Noncurrent loans to loans | 0.9401% | 2,397 |
| Net loans and leases to total assets | 67.8701% | 2,794 |
| Net loans and leases to deposits | 89.6085% | 1,794 |
| Net loans and leases to core deposits | 93.3461% | 2,225 |
| Total domestic deposits to total assets | 75.7406% | 5,315 |
| Equity capital to assets | 12.2576% | 1,934 |
| Core capital (leverage) ratio | 11.9438% | 1,666 |
| Tier 1 risk-based capital ratio | 14.4793% | 3,331 |
| Total risk-based capital ratio | 15.7312% | 3,259 |
| Memoranda: | ||
| Average total assets | $252,932,000 | 2,507 |
| Average earning assets | $241,783,330 | 2,440 |
| Average equity | $30,318,670 | 2,344 |
| Average total loans | $164,519,000 | 2,479 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 2,163 |
| Cost of funding earning assets | 0.3310% | 3,827 |
| Net interest margin | 3.9594% | 1,747 |
| Noninterest income to average assets | 0.2190% | 5,169 |
| Noninterest expense to average assets | 2.1711% | 4,977 |
| Loan and lease loss provision to assets | 0.3387% | 443 |
| Net operating income to assets | 1.4905% | 874 |
| Return on assets (ROA) | 1.4905% | 915 |
| Pretax return on assets | 1.4968% | 1,599 |
| Return on Equity (ROE) | 12.5746% | 1,134 |
| Retained earnings to average equity (ytd only) | 0.2127% | 5,056 |
| Net charge-offs to loans | 0.4771% | 464 |
| Credit loss provision to net charge-offs | 112.5654% | 1,496 |
| Earnings coverage of net charge-offs (x) | 6.0995% | 2,267 |
| Efficiency ratio | 54.1880% | 5,368 |
| Assets per employee ($millions) | 6.0491% | 1,379 |
| Cash dividends to net income (ytd only)* | 98.3087% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,519 |
| Loan loss allowance to noncurrent loans | 336.4570% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 3,734 |
| Noncurrent loans to loans | 0.4858% | 3,724 |
| Net loans and leases to total assets | 63.5959% | 3,295 |
| Net loans and leases to deposits | 78.2321% | 2,981 |
| Net loans and leases to core deposits | 80.7807% | 3,255 |
| Total domestic deposits to total assets | 81.2913% | 4,407 |
| Equity capital to assets | 12.2107% | 1,885 |
| Core capital (leverage) ratio | 11.8399% | 1,717 |
| Tier 1 risk-based capital ratio | 15.0897% | 3,116 |
| Total risk-based capital ratio | 16.3405% | 3,055 |
| Memoranda: | ||
| Average total assets | $253,879,500 | 2,510 |
| Average earning assets | $242,867,500 | 2,443 |
| Average equity | $30,092,500 | 2,361 |
| Average total loans | $160,138,500 | 2,526 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,185 |
| Cost of funding earning assets | 0.3747% | 3,430 |
| Net interest margin | 3.9378% | 1,906 |
| Noninterest income to average assets | 0.2901% | 4,816 |
| Noninterest expense to average assets | 2.0142% | 5,426 |
| Loan and lease loss provision to assets | 0.0388% | 3,562 |
| Net operating income to assets | 1.9956% | 349 |
| Return on assets (ROA) | 1.9785% | 367 |
| Pretax return on assets | 1.9862% | 551 |
| Return on Equity (ROE) | 17.7503% | 398 |
| Retained earnings to average equity (ytd only) | 8.4941% | 780 |
| Net charge-offs to loans | 0.0105% | 4,102 |
| Credit loss provision to net charge-offs | 588.2353% | 574 |
| Earnings coverage of net charge-offs (x) | 309.7059% | 229 |
| Efficiency ratio | 49.6558% | 5,773 |
| Assets per employee ($millions) | 6.3353% | 1,177 |
| Cash dividends to net income (ytd only)* | 52.1466% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,541 |
| Loan loss allowance to noncurrent loans | 492.9791% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 3,622 |
| Noncurrent loans to loans | 0.3295% | 4,281 |
| Net loans and leases to total assets | 60.5715% | 3,754 |
| Net loans and leases to deposits | 73.2734% | 3,581 |
| Net loans and leases to core deposits | 75.7248% | 3,779 |
| Total domestic deposits to total assets | 82.6650% | 3,954 |
| Equity capital to assets | 11.5116% | 2,347 |
| Core capital (leverage) ratio | 11.6863% | 1,825 |
| Tier 1 risk-based capital ratio | 15.2065% | 3,076 |
| Total risk-based capital ratio | 16.4574% | 3,013 |
| Memoranda: | ||
| Average total assets | $257,823,600 | 2,437 |
| Average earning assets | $246,582,600 | 2,371 |
| Average equity | $28,737,600 | 2,406 |
| Average total loans | $161,138,600 | 2,453 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,181 |
| Cost of funding earning assets | 0.3755% | 3,484 |
| Net interest margin | 3.9395% | 1,900 |
| Noninterest income to average assets | 0.2948% | 4,834 |
| Noninterest expense to average assets | 1.9874% | 5,503 |
| Loan and lease loss provision to assets | 0.0311% | 3,617 |
| Net operating income to assets | 2.0346% | 344 |
| Return on assets (ROA) | 2.0346% | 359 |
| Pretax return on assets | 2.0429% | 554 |
| Return on Equity (ROE) | 18.4059% | 377 |
| Retained earnings to average equity (ytd only) | 9.2193% | 823 |
| Net charge-offs to loans | 0.0157% | 3,640 |
| Credit loss provision to net charge-offs | 315.7895% | 922 |
| Earnings coverage of net charge-offs (x) | 210.7067% | 344 |
| Efficiency ratio | 48.9348% | 5,826 |
| Assets per employee ($millions) | 6.3052% | 1,178 |
| Cash dividends to net income (ytd only)* | 49.9109% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 2,084 |
| Loan loss allowance to noncurrent loans | 406.3593% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 3,608 |
| Noncurrent loans to loans | 0.3734% | 4,277 |
| Net loans and leases to total assets | 64.1815% | 3,280 |
| Net loans and leases to deposits | 85.1852% | 2,254 |
| Net loans and leases to core deposits | 89.5445% | 2,509 |
| Total domestic deposits to total assets | 75.3435% | 5,593 |
| Equity capital to assets | 11.4521% | 2,541 |
| Core capital (leverage) ratio | 11.2095% | 2,285 |
| Tier 1 risk-based capital ratio | 14.3641% | 3,647 |
| Total risk-based capital ratio | 15.6143% | 3,562 |
| Memoranda: | ||
| Average total assets | $257,343,000 | 2,460 |
| Average earning assets | $246,051,500 | 2,396 |
| Average equity | $28,446,750 | 2,438 |
| Average total loans | $161,440,750 | 2,461 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,431 |
| Cost of funding earning assets | 0.3730% | 3,570 |
| Net interest margin | 3.8564% | 2,121 |
| Noninterest income to average assets | 0.2857% | 4,920 |
| Noninterest expense to average assets | 1.9607% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0105% | 360 |
| Return on assets (ROA) | 2.0105% | 375 |
| Pretax return on assets | 2.0190% | 577 |
| Return on Equity (ROE) | 18.4101% | 385 |
| Retained earnings to average equity (ytd only) | 9.7859% | 707 |
| Net charge-offs to loans | 0.0013% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2,594.0000% | 16 |
| Efficiency ratio | 49.2666% | 5,889 |
| Assets per employee ($millions) | 6.2779% | 1,169 |
| Cash dividends to net income (ytd only)* | 46.8448% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,383 |
| Loan loss allowance to noncurrent loans | 409.4463% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 4,249 |
| Noncurrent loans to loans | 0.3613% | 4,414 |
| Net loans and leases to total assets | 65.0431% | 3,118 |
| Net loans and leases to deposits | 79.5262% | 2,850 |
| Net loans and leases to core deposits | 83.0071% | 3,080 |
| Total domestic deposits to total assets | 81.7882% | 4,364 |
| Equity capital to assets | 11.0931% | 2,789 |
| Core capital (leverage) ratio | 11.1548% | 2,285 |
| Tier 1 risk-based capital ratio | 13.9973% | 3,924 |
| Total risk-based capital ratio | 15.2412% | 3,866 |
| Memoranda: | ||
| Average total assets | $256,953,330 | 2,479 |
| Average earning assets | $246,137,670 | 2,409 |
| Average equity | $28,060,670 | 2,480 |
| Average total loans | $159,096,670 | 2,491 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 2,769 |
| Cost of funding earning assets | 0.3739% | 3,605 |
| Net interest margin | 3.7426% | 2,455 |
| Noninterest income to average assets | 0.2742% | 4,983 |
| Noninterest expense to average assets | 1.9616% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8883% | 413 |
| Return on assets (ROA) | 1.8883% | 436 |
| Pretax return on assets | 1.8992% | 718 |
| Return on Equity (ROE) | 17.4298% | 438 |
| Retained earnings to average equity (ytd only) | 8.3697% | 1,427 |
| Net charge-offs to loans | -0.0026% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8071% | 5,866 |
| Assets per employee ($millions) | 6.5408% | 1,057 |
| Cash dividends to net income (ytd only)* | 51.9802% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,958 |
| Loan loss allowance to noncurrent loans | 613.6585% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 4,638 |
| Noncurrent loans to loans | 0.2648% | 4,831 |
| Net loans and leases to total assets | 59.7150% | 3,697 |
| Net loans and leases to deposits | 72.1139% | 3,525 |
| Net loans and leases to core deposits | 74.6295% | 3,725 |
| Total domestic deposits to total assets | 82.8065% | 4,230 |
| Equity capital to assets | 11.1706% | 2,787 |
| Core capital (leverage) ratio | 11.0366% | 2,381 |
| Tier 1 risk-based capital ratio | 14.5912% | 3,671 |
| Total risk-based capital ratio | 15.8408% | 3,593 |
| Memoranda: | ||
| Average total assets | $256,733,000 | 2,495 |
| Average earning assets | $246,034,500 | 2,414 |
| Average equity | $27,814,500 | 2,513 |
| Average total loans | $153,679,500 | 2,569 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,416 |
| Cost of funding earning assets | 0.4401% | 3,269 |
| Net interest margin | 3.9086% | 2,206 |
| Noninterest income to average assets | 0.3289% | 4,762 |
| Noninterest expense to average assets | 1.9363% | 5,886 |
| Loan and lease loss provision to assets | 0.0723% | 3,037 |
| Net operating income to assets | 2.0580% | 296 |
| Return on assets (ROA) | 2.0632% | 300 |
| Pretax return on assets | 2.0700% | 443 |
| Return on Equity (ROE) | 20.5423% | 221 |
| Retained earnings to average equity (ytd only) | 11.0668% | 372 |
| Net charge-offs to loans | 0.0007% | 4,965 |
| Credit loss provision to net charge-offs | 18,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 5,322.0000% | 3 |
| Efficiency ratio | 47.5355% | 6,204 |
| Assets per employee ($millions) | 6.7994% | 922 |
| Cash dividends to net income (ytd only)* | 46.1269% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,929 |
| Loan loss allowance to noncurrent loans | 658.3770% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,741 |
| Noncurrent loans to loans | 0.2505% | 4,935 |
| Net loans and leases to total assets | 58.0553% | 4,040 |
| Net loans and leases to deposits | 69.1635% | 4,011 |
| Net loans and leases to core deposits | 71.3750% | 4,179 |
| Total domestic deposits to total assets | 83.9393% | 3,743 |
| Equity capital to assets | 10.5017% | 3,476 |
| Core capital (leverage) ratio | 10.9102% | 2,487 |
| Tier 1 risk-based capital ratio | 15.2541% | 3,344 |
| Total risk-based capital ratio | 16.5062% | 3,290 |
| Memoranda: | ||
| Average total assets | $249,031,800 | 2,536 |
| Average earning assets | $238,577,400 | 2,438 |
| Average equity | $25,011,800 | 2,658 |
| Average total loans | $148,292,600 | 2,596 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,385 |
| Cost of funding earning assets | 0.4571% | 3,168 |
| Net interest margin | 3.9036% | 2,224 |
| Noninterest income to average assets | 0.3145% | 4,925 |
| Noninterest expense to average assets | 1.9511% | 5,855 |
| Loan and lease loss provision to assets | 0.0486% | 3,405 |
| Net operating income to assets | 2.0467% | 315 |
| Return on assets (ROA) | 2.0521% | 327 |
| Pretax return on assets | 2.0592% | 497 |
| Return on Equity (ROE) | 20.6793% | 242 |
| Retained earnings to average equity (ytd only) | 11.2029% | 486 |
| Net charge-offs to loans | 0.0027% | 4,612 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 1,296.6350% | 49 |
| Efficiency ratio | 48.1333% | 6,197 |
| Assets per employee ($millions) | 6.6094% | 964 |
| Cash dividends to net income (ytd only)* | 45.8256% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,777 |
| Loan loss allowance to noncurrent loans | 585.2657% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 4,851 |
| Noncurrent loans to loans | 0.2544% | 5,143 |
| Net loans and leases to total assets | 63.8412% | 3,198 |
| Net loans and leases to deposits | 87.2700% | 1,755 |
| Net loans and leases to core deposits | 91.3521% | 2,081 |
| Total domestic deposits to total assets | 73.1537% | 6,081 |
| Equity capital to assets | 10.4504% | 3,627 |
| Core capital (leverage) ratio | 10.4881% | 3,059 |
| Tier 1 risk-based capital ratio | 14.0318% | 4,187 |
| Total risk-based capital ratio | 15.2825% | 4,128 |
| Memoranda: | ||
| Average total assets | $246,695,750 | 2,568 |
| Average earning assets | $236,290,500 | 2,481 |
| Average equity | $24,481,250 | 2,718 |
| Average total loans | $147,236,750 | 2,626 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,670 |
| Cost of funding earning assets | 0.4631% | 3,186 |
| Net interest margin | 3.8153% | 2,509 |
| Noninterest income to average assets | 0.3108% | 4,930 |
| Noninterest expense to average assets | 1.9331% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0326% | 316 |
| Return on assets (ROA) | 2.0407% | 327 |
| Pretax return on assets | 2.0481% | 492 |
| Return on Equity (ROE) | 20.9437% | 244 |
| Retained earnings to average equity (ytd only) | 11.6521% | 464 |
| Net charge-offs to loans | 0.0127% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 277.8889% | 245 |
| Efficiency ratio | 48.6553% | 6,250 |
| Assets per employee ($millions) | 6.3748% | 1,074 |
| Cash dividends to net income (ytd only)* | 44.3645% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 2,836 |
| Loan loss allowance to noncurrent loans | 520.5817% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 4,846 |
| Noncurrent loans to loans | 0.2907% | 5,147 |
| Net loans and leases to total assets | 62.5208% | 3,321 |
| Net loans and leases to deposits | 75.9612% | 3,065 |
| Net loans and leases to core deposits | 79.1783% | 3,307 |
| Total domestic deposits to total assets | 82.3063% | 4,546 |
| Equity capital to assets | 10.5208% | 3,418 |
| Core capital (leverage) ratio | 10.5090% | 2,939 |
| Tier 1 risk-based capital ratio | 14.4101% | 3,984 |
| Total risk-based capital ratio | 15.6611% | 3,923 |
| Memoranda: | ||
| Average total assets | $245,208,000 | 2,584 |
| Average earning assets | $235,365,670 | 2,486 |
| Average equity | $23,892,670 | 2,763 |
| Average total loans | $142,060,330 | 2,699 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,235 |
| Cost of funding earning assets | 0.4722% | 3,209 |
| Net interest margin | 3.6390% | 3,103 |
| Noninterest income to average assets | 0.2838% | 5,102 |
| Noninterest expense to average assets | 1.9279% | 6,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8469% | 443 |
| Return on assets (ROA) | 1.8469% | 467 |
| Pretax return on assets | 1.8550% | 719 |
| Return on Equity (ROE) | 19.7264% | 308 |
| Retained earnings to average equity (ytd only) | 9.6813% | 1,054 |
| Net charge-offs to loans | 0.0117% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 165 |
| Efficiency ratio | 50.9644% | 6,195 |
| Assets per employee ($millions) | 6.5433% | 1,002 |
| Cash dividends to net income (ytd only)* | 50.9219% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 2,436 |
| Loan loss allowance to noncurrent loans | 566.0194% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,653 |
| Noncurrent loans to loans | 0.2952% | 5,233 |
| Net loans and leases to total assets | 56.6842% | 4,050 |
| Net loans and leases to deposits | 66.2465% | 4,066 |
| Net loans and leases to core deposits | 68.9481% | 4,217 |
| Total domestic deposits to total assets | 85.5655% | 3,582 |
| Equity capital to assets | 9.8219% | 4,072 |
| Core capital (leverage) ratio | 10.0243% | 3,544 |
| Tier 1 risk-based capital ratio | 15.2149% | 3,605 |
| Total risk-based capital ratio | 16.4672% | 3,558 |
| Memoranda: | ||
| Average total assets | $246,690,000 | 2,584 |
| Average earning assets | $237,210,000 | 2,474 |
| Average equity | $23,096,000 | 2,837 |
| Average total loans | $136,200,500 | 2,794 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 3,083 |
| Cost of funding earning assets | 0.6013% | 2,642 |
| Net interest margin | 3.6655% | 3,199 |
| Noninterest income to average assets | 0.3381% | 4,903 |
| Noninterest expense to average assets | 1.9211% | 6,158 |
| Loan and lease loss provision to assets | -0.1497% | 6,545 |
| Net operating income to assets | 1.9925% | 343 |
| Return on assets (ROA) | 2.0002% | 342 |
| Pretax return on assets | 2.0885% | 396 |
| Return on Equity (ROE) | 21.0537% | 230 |
| Retained earnings to average equity (ytd only) | 10.8300% | 445 |
| Net charge-offs to loans | -0.1365% | 6,546 |
| Credit loss provision to net charge-offs | 195.6044% | 1,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8745% | 6,403 |
| Assets per employee ($millions) | 6.6126% | 938 |
| Cash dividends to net income (ytd only)* | 48.5600% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,195 |
| Loan loss allowance to noncurrent loans | 533.3333% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 5,723 |
| Noncurrent loans to loans | 0.3297% | 5,194 |
| Net loans and leases to total assets | 51.9343% | 4,863 |
| Net loans and leases to deposits | 60.0074% | 4,938 |
| Net loans and leases to core deposits | 62.5581% | 5,012 |
| Total domestic deposits to total assets | 86.5464% | 2,973 |
| Equity capital to assets | 8.9196% | 5,130 |
| Core capital (leverage) ratio | 10.4729% | 2,947 |
| Tier 1 risk-based capital ratio | 15.5555% | 3,337 |
| Total risk-based capital ratio | 16.8085% | 3,291 |
| Memoranda: | ||
| Average total assets | $237,828,400 | 2,642 |
| Average earning assets | $227,989,200 | 2,533 |
| Average equity | $22,594,600 | 2,867 |
| Average total loans | $133,367,000 | 2,801 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,822 |
| Cost of funding earning assets | 0.6300% | 2,552 |
| Net interest margin | 3.7128% | 2,980 |
| Noninterest income to average assets | 0.3389% | 4,983 |
| Noninterest expense to average assets | 1.9249% | 6,147 |
| Loan and lease loss provision to assets | -0.1086% | 6,638 |
| Net operating income to assets | 1.9597% | 390 |
| Return on assets (ROA) | 1.9698% | 391 |
| Pretax return on assets | 2.0892% | 480 |
| Return on Equity (ROE) | 20.4000% | 279 |
| Retained earnings to average equity (ytd only) | 9.9173% | 806 |
| Net charge-offs to loans | -0.1778% | 6,627 |
| Credit loss provision to net charge-offs | 107.3034% | 2,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4233% | 6,429 |
| Assets per employee ($millions) | 5.9342% | 1,283 |
| Cash dividends to net income (ytd only)* | 51.3856% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,230 |
| Loan loss allowance to noncurrent loans | 452.3551% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 5,568 |
| Noncurrent loans to loans | 0.4029% | 5,185 |
| Net loans and leases to total assets | 59.6552% | 3,748 |
| Net loans and leases to deposits | 71.5008% | 3,571 |
| Net loans and leases to core deposits | 74.9194% | 3,743 |
| Total domestic deposits to total assets | 83.4329% | 4,400 |
| Equity capital to assets | 9.8922% | 4,066 |
| Core capital (leverage) ratio | 10.3088% | 3,231 |
| Tier 1 risk-based capital ratio | 14.6130% | 4,005 |
| Total risk-based capital ratio | 15.8673% | 3,951 |
| Memoranda: | ||
| Average total assets | $234,465,750 | 2,694 |
| Average earning assets | $224,551,500 | 2,583 |
| Average equity | $22,640,000 | 2,890 |
| Average total loans | $133,499,750 | 2,815 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 3,093 |
| Cost of funding earning assets | 0.6367% | 2,620 |
| Net interest margin | 3.6295% | 3,249 |
| Noninterest income to average assets | 0.2923% | 5,359 |
| Noninterest expense to average assets | 1.8934% | 6,232 |
| Loan and lease loss provision to assets | -0.1609% | 6,760 |
| Net operating income to assets | 1.9363% | 393 |
| Return on assets (ROA) | 1.9515% | 416 |
| Pretax return on assets | 2.0568% | 536 |
| Return on Equity (ROE) | 20.3683% | 279 |
| Retained earnings to average equity (ytd only) | 10.2149% | 802 |
| Net charge-offs to loans | -0.2056% | 6,671 |
| Credit loss provision to net charge-offs | 140.4412% | 1,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1786% | 6,417 |
| Assets per employee ($millions) | 6.0526% | 1,171 |
| Cash dividends to net income (ytd only)* | 49.8489% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 2,308 |
| Loan loss allowance to noncurrent loans | 522.3404% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 5,718 |
| Noncurrent loans to loans | 0.3516% | 5,408 |
| Net loans and leases to total assets | 58.5958% | 3,888 |
| Net loans and leases to deposits | 71.3750% | 3,533 |
| Net loans and leases to core deposits | 74.8656% | 3,684 |
| Total domestic deposits to total assets | 82.0957% | 5,028 |
| Equity capital to assets | 9.5952% | 4,458 |
| Core capital (leverage) ratio | 9.9942% | 3,534 |
| Tier 1 risk-based capital ratio | 14.7787% | 3,923 |
| Total risk-based capital ratio | 16.0334% | 3,885 |
| Memoranda: | ||
| Average total assets | $237,454,000 | 2,673 |
| Average earning assets | $227,744,000 | 2,558 |
| Average equity | $22,751,000 | 2,893 |
| Average total loans | $132,326,330 | 2,834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 3,306 |
| Cost of funding earning assets | 0.6346% | 2,794 |
| Net interest margin | 3.5654% | 3,404 |
| Noninterest income to average assets | 0.2391% | 5,750 |
| Noninterest expense to average assets | 1.8476% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6914% | 596 |
| Return on assets (ROA) | 1.6838% | 666 |
| Pretax return on assets | 1.8067% | 869 |
| Return on Equity (ROE) | 17.5858% | 465 |
| Retained earnings to average equity (ytd only) | 8.5192% | 1,552 |
| Net charge-offs to loans | -0.0182% | 5,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4472% | 6,474 |
| Assets per employee ($millions) | 6.3326% | 1,060 |
| Cash dividends to net income (ytd only)* | 51.5564% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 2,101 |
| Loan loss allowance to noncurrent loans | 207.0782% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 4,980 |
| Noncurrent loans to loans | 0.9561% | 4,228 |
| Net loans and leases to total assets | 53.1630% | 4,536 |
| Net loans and leases to deposits | 62.5654% | 4,465 |
| Net loans and leases to core deposits | 65.7292% | 4,563 |
| Total domestic deposits to total assets | 84.9718% | 4,056 |
| Equity capital to assets | 10.0151% | 4,132 |
| Core capital (leverage) ratio | 9.4356% | 4,189 |
| Tier 1 risk-based capital ratio | 14.9249% | 3,894 |
| Total risk-based capital ratio | 16.1807% | 3,853 |
| Memoranda: | ||
| Average total assets | $244,208,000 | 2,642 |
| Average earning assets | $234,474,000 | 2,524 |
| Average equity | $23,382,500 | 2,868 |
| Average total loans | $131,650,500 | 2,872 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 2,385 |
| Cost of funding earning assets | 0.8226% | 2,483 |
| Net interest margin | 3.9309% | 2,694 |
| Noninterest income to average assets | 0.2712% | 5,522 |
| Noninterest expense to average assets | 1.9600% | 6,393 |
| Loan and lease loss provision to assets | 0.2360% | 2,776 |
| Net operating income to assets | 1.8264% | 493 |
| Return on assets (ROA) | 1.8304% | 548 |
| Pretax return on assets | 1.8304% | 869 |
| Return on Equity (ROE) | 18.6085% | 390 |
| Retained earnings to average equity (ytd only) | 9.9629% | 602 |
| Net charge-offs to loans | -0.0352% | 6,641 |
| Credit loss provision to net charge-offs | -1,152.1739% | 6,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7049% | 6,671 |
| Assets per employee ($millions) | 7.0586% | 747 |
| Cash dividends to net income (ytd only)* | 46.4607% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 2,457 |
| Loan loss allowance to noncurrent loans | 393.4169% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 5,797 |
| Noncurrent loans to loans | 0.4684% | 5,353 |
| Net loans and leases to total assets | 52.6193% | 4,822 |
| Net loans and leases to deposits | 61.1038% | 4,898 |
| Net loans and leases to core deposits | 63.9096% | 4,968 |
| Total domestic deposits to total assets | 86.1147% | 3,291 |
| Equity capital to assets | 9.1689% | 5,311 |
| Core capital (leverage) ratio | 9.4265% | 4,217 |
| Tier 1 risk-based capital ratio | 13.6655% | 4,631 |
| Total risk-based capital ratio | 14.9195% | 4,574 |
| Memoranda: | ||
| Average total assets | $224,590,600 | 2,790 |
| Average earning assets | $214,328,200 | 2,686 |
| Average equity | $22,092,000 | 2,961 |
| Average total loans | $130,748,800 | 2,876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 1,960 |
| Cost of funding earning assets | 0.8843% | 2,277 |
| Net interest margin | 4.0295% | 2,383 |
| Noninterest income to average assets | 0.2732% | 5,600 |
| Noninterest expense to average assets | 1.9348% | 6,466 |
| Loan and lease loss provision to assets | 0.2026% | 3,056 |
| Net operating income to assets | 1.8612% | 506 |
| Return on assets (ROA) | 1.8630% | 572 |
| Pretax return on assets | 1.9753% | 739 |
| Return on Equity (ROE) | 18.5706% | 435 |
| Retained earnings to average equity (ytd only) | 10.1266% | 884 |
| Net charge-offs to loans | -0.0113% | 6,384 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0360% | 6,768 |
| Assets per employee ($millions) | 6.1957% | 1,125 |
| Cash dividends to net income (ytd only)* | 45.4694% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,231 |
| Loan loss allowance to noncurrent loans | 240.7407% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 5,479 |
| Noncurrent loans to loans | 0.6957% | 5,045 |
| Net loans and leases to total assets | 59.8833% | 3,806 |
| Net loans and leases to deposits | 71.2048% | 3,718 |
| Net loans and leases to core deposits | 75.0472% | 3,846 |
| Total domestic deposits to total assets | 84.1000% | 4,170 |
| Equity capital to assets | 10.3347% | 4,036 |
| Core capital (leverage) ratio | 9.7461% | 3,878 |
| Tier 1 risk-based capital ratio | 13.5843% | 4,831 |
| Total risk-based capital ratio | 14.8374% | 4,785 |
| Memoranda: | ||
| Average total assets | $217,210,750 | 2,888 |
| Average earning assets | $206,869,250 | 2,802 |
| Average equity | $21,790,250 | 3,022 |
| Average total loans | $129,380,750 | 2,928 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 2,178 |
| Cost of funding earning assets | 0.9327% | 2,165 |
| Net interest margin | 3.9510% | 2,715 |
| Noninterest income to average assets | 0.2657% | 5,672 |
| Noninterest expense to average assets | 1.8405% | 6,701 |
| Loan and lease loss provision to assets | 0.1672% | 3,433 |
| Net operating income to assets | 1.9010% | 459 |
| Return on assets (ROA) | 1.9018% | 521 |
| Pretax return on assets | 2.0291% | 659 |
| Return on Equity (ROE) | 19.1577% | 404 |
| Retained earnings to average equity (ytd only) | 11.2026% | 711 |
| Net charge-offs to loans | -0.0204% | 6,436 |
| Credit loss provision to net charge-offs | -1,384.6154% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5571% | 6,903 |
| Assets per employee ($millions) | 6.0495% | 1,203 |
| Cash dividends to net income (ytd only)* | 41.5242% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 3,650 |
| Loan loss allowance to noncurrent loans | 157.0901% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 4,966 |
| Noncurrent loans to loans | 1.0102% | 4,490 |
| Net loans and leases to total assets | 62.2971% | 3,372 |
| Net loans and leases to deposits | 74.7550% | 3,164 |
| Net loans and leases to core deposits | 79.2901% | 3,324 |
| Total domestic deposits to total assets | 83.3351% | 4,608 |
| Equity capital to assets | 10.5204% | 3,665 |
| Core capital (leverage) ratio | 9.5874% | 4,022 |
| Tier 1 risk-based capital ratio | 13.3933% | 4,906 |
| Total risk-based capital ratio | 14.6453% | 4,866 |
| Memoranda: | ||
| Average total assets | $215,266,330 | 2,926 |
| Average earning assets | $205,418,000 | 2,816 |
| Average equity | $21,370,000 | 3,064 |
| Average total loans | $127,227,330 | 2,978 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 2,644 |
| Cost of funding earning assets | 0.9599% | 2,233 |
| Net interest margin | 3.8397% | 3,187 |
| Noninterest income to average assets | 0.2470% | 5,875 |
| Noninterest expense to average assets | 1.8320% | 6,757 |
| Loan and lease loss provision to assets | 0.1659% | 3,315 |
| Net operating income to assets | 1.7933% | 603 |
| Return on assets (ROA) | 1.7933% | 677 |
| Pretax return on assets | 1.9204% | 840 |
| Return on Equity (ROE) | 18.6064% | 486 |
| Retained earnings to average equity (ytd only) | 11.4354% | 936 |
| Net charge-offs to loans | -0.0162% | 6,108 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6604% | 6,868 |
| Assets per employee ($millions) | 6.4060% | 1,033 |
| Cash dividends to net income (ytd only)* | 38.5406% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,639 |
| Loan loss allowance to noncurrent loans | 320.3791% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 5,922 |
| Noncurrent loans to loans | 0.5061% | 5,660 |
| Net loans and leases to total assets | 56.4930% | 4,291 |
| Net loans and leases to deposits | 67.2151% | 4,189 |
| Net loans and leases to core deposits | 71.3299% | 4,252 |
| Total domestic deposits to total assets | 84.0480% | 4,467 |
| Equity capital to assets | 9.7413% | 4,465 |
| Core capital (leverage) ratio | 9.3777% | 4,227 |
| Tier 1 risk-based capital ratio | 13.7961% | 4,617 |
| Total risk-based capital ratio | 15.0477% | 4,596 |
| Memoranda: | ||
| Average total assets | $217,033,500 | 2,922 |
| Average earning assets | $207,517,000 | 2,806 |
| Average equity | $20,917,500 | 3,113 |
| Average total loans | $123,826,000 | 3,066 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 1,585 |
| Cost of funding earning assets | 1.2004% | 2,022 |
| Net interest margin | 4.1414% | 2,262 |
| Noninterest income to average assets | 0.3296% | 5,182 |
| Noninterest expense to average assets | 2.1409% | 6,403 |
| Loan and lease loss provision to assets | 0.5656% | 1,840 |
| Net operating income to assets | 1.4439% | 934 |
| Return on assets (ROA) | 1.5677% | 772 |
| Pretax return on assets | 1.6905% | 1,006 |
| Return on Equity (ROE) | 17.2807% | 449 |
| Retained earnings to average equity (ytd only) | 8.0000% | 1,078 |
| Net charge-offs to loans | 0.7391% | 2,298 |
| Credit loss provision to net charge-offs | 124.5772% | 2,521 |
| Earnings coverage of net charge-offs (x) | 4.6764% | 3,020 |
| Efficiency ratio | 49.9820% | 6,834 |
| Assets per employee ($millions) | 6.1789% | 1,116 |
| Cash dividends to net income (ytd only)* | 53.7055% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,665 |
| Loan loss allowance to noncurrent loans | 197.9529% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 5,602 |
| Noncurrent loans to loans | 0.7970% | 5,095 |
| Net loans and leases to total assets | 55.7867% | 4,750 |
| Net loans and leases to deposits | 66.0470% | 4,722 |
| Net loans and leases to core deposits | 70.0949% | 4,765 |
| Total domestic deposits to total assets | 84.4652% | 4,114 |
| Equity capital to assets | 9.5338% | 4,827 |
| Core capital (leverage) ratio | 9.5443% | 3,953 |
| Tier 1 risk-based capital ratio | 13.7977% | 4,482 |
| Total risk-based capital ratio | 15.0491% | 4,439 |
| Memoranda: | ||
| Average total assets | $195,382,400 | 3,110 |
| Average earning assets | $185,612,200 | 3,023 |
| Average equity | $17,725,000 | 3,466 |
| Average total loans | $120,003,600 | 3,172 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 1,329 |
| Cost of funding earning assets | 1.2633% | 1,910 |
| Net interest margin | 4.2083% | 2,063 |
| Noninterest income to average assets | 0.3471% | 5,085 |
| Noninterest expense to average assets | 2.2156% | 6,238 |
| Loan and lease loss provision to assets | 0.3716% | 2,626 |
| Net operating income to assets | 1.6380% | 723 |
| Return on assets (ROA) | 1.8075% | 554 |
| Pretax return on assets | 1.9337% | 721 |
| Return on Equity (ROE) | 20.2170% | 294 |
| Retained earnings to average equity (ytd only) | 10.6888% | 685 |
| Net charge-offs to loans | 0.4245% | 3,021 |
| Credit loss provision to net charge-offs | 139.4737% | 2,286 |
| Earnings coverage of net charge-offs (x) | 7.9685% | 2,271 |
| Efficiency ratio | 50.8242% | 6,779 |
| Assets per employee ($millions) | 5.8666% | 1,296 |
| Cash dividends to net income (ytd only)* | 47.1295% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 4,029 |
| Loan loss allowance to noncurrent loans | 118.4010% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 4,941 |
| Noncurrent loans to loans | 1.2787% | 4,396 |
| Net loans and leases to total assets | 60.8554% | 3,972 |
| Net loans and leases to deposits | 72.5075% | 3,892 |
| Net loans and leases to core deposits | 77.3871% | 3,990 |
| Total domestic deposits to total assets | 83.9299% | 4,264 |
| Equity capital to assets | 9.2955% | 5,391 |
| Core capital (leverage) ratio | 8.8712% | 5,157 |
| Tier 1 risk-based capital ratio | 12.4684% | 5,514 |
| Total risk-based capital ratio | 13.7197% | 5,509 |
| Memoranda: | ||
| Average total assets | $190,162,250 | 3,200 |
| Average earning assets | $180,370,250 | 3,102 |
| Average equity | $17,001,750 | 3,585 |
| Average total loans | $119,359,500 | 3,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4727% | 1,355 |
| Cost of funding earning assets | 1.2992% | 1,946 |
| Net interest margin | 4.1735% | 2,146 |
| Noninterest income to average assets | 0.3400% | 5,162 |
| Noninterest expense to average assets | 2.2816% | 6,173 |
| Loan and lease loss provision to assets | 0.4063% | 2,403 |
| Net operating income to assets | 1.5030% | 884 |
| Return on assets (ROA) | 1.7556% | 583 |
| Pretax return on assets | 1.8839% | 735 |
| Return on Equity (ROE) | 19.9167% | 316 |
| Retained earnings to average equity (ytd only) | 11.6080% | 576 |
| Net charge-offs to loans | 0.6048% | 2,313 |
| Credit loss provision to net charge-offs | 106.4426% | 2,898 |
| Earnings coverage of net charge-offs (x) | 5.2885% | 2,645 |
| Efficiency ratio | 52.8095% | 6,732 |
| Assets per employee ($millions) | 5.5808% | 1,497 |
| Cash dividends to net income (ytd only)* | 41.7174% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,548 |
| Loan loss allowance to noncurrent loans | 114.6245% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 5,031 |
| Noncurrent loans to loans | 1.2251% | 4,615 |
| Net loans and leases to total assets | 64.3871% | 3,380 |
| Net loans and leases to deposits | 77.0607% | 3,287 |
| Net loans and leases to core deposits | 83.1798% | 3,341 |
| Total domestic deposits to total assets | 83.5538% | 4,530 |
| Equity capital to assets | 9.1496% | 5,362 |
| Core capital (leverage) ratio | 8.9466% | 4,811 |
| Tier 1 risk-based capital ratio | 11.9850% | 5,800 |
| Total risk-based capital ratio | 13.2243% | 5,780 |
| Memoranda: | ||
| Average total assets | $187,062,000 | 3,267 |
| Average earning assets | $177,499,000 | 3,169 |
| Average equity | $16,488,670 | 3,653 |
| Average total loans | $118,062,670 | 3,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3844% | 1,620 |
| Cost of funding earning assets | 1.3319% | 1,999 |
| Net interest margin | 4.0525% | 2,464 |
| Noninterest income to average assets | 0.2692% | 5,747 |
| Noninterest expense to average assets | 2.2162% | 6,385 |
| Loan and lease loss provision to assets | 0.4954% | 1,766 |
| Net operating income to assets | 1.3117% | 1,239 |
| Return on assets (ROA) | 1.8867% | 438 |
| Pretax return on assets | 2.0159% | 546 |
| Return on Equity (ROE) | 21.8284% | 253 |
| Retained earnings to average equity (ytd only) | 15.2250% | 372 |
| Net charge-offs to loans | 0.9727% | 1,385 |
| Credit loss provision to net charge-offs | 82.1429% | 3,116 |
| Earnings coverage of net charge-offs (x) | 3.1500% | 2,834 |
| Efficiency ratio | 53.5845% | 6,729 |
| Assets per employee ($millions) | 5.7382% | 1,384 |
| Cash dividends to net income (ytd only)* | 30.2511% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,481 |
| Loan loss allowance to noncurrent loans | 104.3860% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 4,976 |
| Noncurrent loans to loans | 1.3796% | 4,400 |
| Net loans and leases to total assets | 60.2123% | 4,225 |
| Net loans and leases to deposits | 71.4381% | 4,149 |
| Net loans and leases to core deposits | 77.1497% | 4,139 |
| Total domestic deposits to total assets | 84.2860% | 4,374 |
| Equity capital to assets | 8.5731% | 5,811 |
| Core capital (leverage) ratio | 8.8484% | 4,857 |
| Tier 1 risk-based capital ratio | 12.5651% | 5,202 |
| Total risk-based capital ratio | 13.8151% | 5,179 |
| Memoranda: | ||
| Average total assets | $185,720,000 | 3,305 |
| Average earning assets | $176,286,000 | 3,204 |
| Average equity | $16,052,500 | 3,720 |
| Average total loans | $115,138,000 | 3,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6979% | 1,574 |
| Cost of funding earning assets | 1.7979% | 1,178 |
| Net interest margin | 3.9001% | 3,490 |
| Noninterest income to average assets | 0.4078% | 4,843 |
| Noninterest expense to average assets | 2.2362% | 6,523 |
| Loan and lease loss provision to assets | 0.2618% | 4,697 |
| Net operating income to assets | 1.4847% | 793 |
| Return on assets (ROA) | 1.4642% | 888 |
| Pretax return on assets | 1.5744% | 1,193 |
| Return on Equity (ROE) | 17.6540% | 409 |
| Retained earnings to average equity (ytd only) | 9.8137% | 554 |
| Net charge-offs to loans | 0.0610% | 6,179 |
| Credit loss provision to net charge-offs | 678.5714% | 311 |
| Earnings coverage of net charge-offs (x) | 48.1714% | 480 |
| Efficiency ratio | 54.3338% | 6,773 |
| Assets per employee ($millions) | 5.5176% | 1,564 |
| Cash dividends to net income (ytd only)* | 44.4110% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 4,029 |
| Loan loss allowance to noncurrent loans | 82.7387% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 4,478 |
| Noncurrent loans to loans | 1.8099% | 3,802 |
| Net loans and leases to total assets | 61.9925% | 4,288 |
| Net loans and leases to deposits | 74.0117% | 4,186 |
| Net loans and leases to core deposits | 80.4206% | 4,150 |
| Total domestic deposits to total assets | 83.7604% | 4,471 |
| Equity capital to assets | 8.7165% | 5,559 |
| Core capital (leverage) ratio | 8.4977% | 5,371 |
| Tier 1 risk-based capital ratio | 12.2658% | 5,242 |
| Total risk-based capital ratio | 13.5165% | 5,207 |
| Memoranda: | ||
| Average total assets | $181,467,400 | 3,353 |
| Average earning assets | $171,535,400 | 3,255 |
| Average equity | $15,050,400 | 3,933 |
| Average total loans | $114,750,600 | 3,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 1,783 |
| Cost of funding earning assets | 1.8710% | 1,133 |
| Net interest margin | 3.8075% | 3,943 |
| Noninterest income to average assets | 0.3986% | 4,972 |
| Noninterest expense to average assets | 2.2369% | 6,504 |
| Loan and lease loss provision to assets | 0.1287% | 5,739 |
| Net operating income to assets | 1.5428% | 843 |
| Return on assets (ROA) | 1.5428% | 923 |
| Pretax return on assets | 1.6303% | 1,269 |
| Return on Equity (ROE) | 18.8428% | 398 |
| Retained earnings to average equity (ytd only) | 10.7147% | 646 |
| Net charge-offs to loans | 0.0952% | 5,582 |
| Credit loss provision to net charge-offs | 213.4146% | 1,645 |
| Earnings coverage of net charge-offs (x) | 29.1709% | 897 |
| Efficiency ratio | 55.7048% | 6,602 |
| Assets per employee ($millions) | 5.3779% | 1,739 |
| Cash dividends to net income (ytd only)* | 43.1365% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,396 |
| Loan loss allowance to noncurrent loans | 61.3368% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 4,193 |
| Noncurrent loans to loans | 1.9860% | 3,701 |
| Net loans and leases to total assets | 62.2652% | 4,469 |
| Net loans and leases to deposits | 73.5070% | 4,591 |
| Net loans and leases to core deposits | 79.7657% | 4,553 |
| Total domestic deposits to total assets | 84.7066% | 3,769 |
| Equity capital to assets | 8.6377% | 6,118 |
| Core capital (leverage) ratio | 8.1050% | 6,187 |
| Tier 1 risk-based capital ratio | 11.1910% | 6,200 |
| Total risk-based capital ratio | 12.2693% | 6,343 |
| Memoranda: | ||
| Average total assets | $181,314,250 | 3,405 |
| Average earning assets | $171,308,000 | 3,297 |
| Average equity | $14,845,250 | 4,021 |
| Average total loans | $114,790,250 | 3,480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6805% | 1,837 |
| Cost of funding earning assets | 1.9216% | 1,152 |
| Net interest margin | 3.7589% | 4,097 |
| Noninterest income to average assets | 0.3982% | 4,931 |
| Noninterest expense to average assets | 2.2234% | 6,591 |
| Loan and lease loss provision to assets | 0.0277% | 6,670 |
| Net operating income to assets | 1.6150% | 702 |
| Return on assets (ROA) | 1.6150% | 760 |
| Pretax return on assets | 1.7024% | 1,051 |
| Return on Equity (ROE) | 20.0977% | 312 |
| Retained earnings to average equity (ytd only) | 12.1825% | 467 |
| Net charge-offs to loans | 0.2006% | 4,409 |
| Credit loss provision to net charge-offs | 21.7391% | 5,834 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,576 |
| Efficiency ratio | 55.9597% | 6,642 |
| Assets per employee ($millions) | 5.3756% | 1,723 |
| Cash dividends to net income (ytd only)* | 39.3836% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,189 |
| Loan loss allowance to noncurrent loans | 55.6011% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 4,526 |
| Noncurrent loans to loans | 1.8841% | 3,883 |
| Net loans and leases to total assets | 63.1030% | 4,445 |
| Net loans and leases to deposits | 74.0270% | 4,673 |
| Net loans and leases to core deposits | 79.9232% | 4,703 |
| Total domestic deposits to total assets | 85.2433% | 3,494 |
| Equity capital to assets | 8.3219% | 6,397 |
| Core capital (leverage) ratio | 7.8638% | 6,424 |
| Tier 1 risk-based capital ratio | 10.9706% | 6,267 |
| Total risk-based capital ratio | 11.9102% | 6,555 |
| Memoranda: | ||
| Average total assets | $180,802,330 | 3,435 |
| Average earning assets | $171,007,000 | 3,325 |
| Average equity | $14,529,000 | 4,081 |
| Average total loans | $114,635,000 | 3,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 2,486 |
| Cost of funding earning assets | 1.9065% | 1,420 |
| Net interest margin | 3.6156% | 4,654 |
| Noninterest income to average assets | 0.3960% | 4,945 |
| Noninterest expense to average assets | 2.2200% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5104% | 877 |
| Return on assets (ROA) | 1.5104% | 946 |
| Pretax return on assets | 1.5972% | 1,273 |
| Return on Equity (ROE) | 19.1423% | 427 |
| Retained earnings to average equity (ytd only) | 10.6847% | 993 |
| Net charge-offs to loans | 0.0633% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 691 |
| Efficiency ratio | 57.8671% | 6,505 |
| Assets per employee ($millions) | 5.4818% | 1,685 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,796 |
| Loan loss allowance to noncurrent loans | 41.4423% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 1.8353% | 3,726 |
| Noncurrent loans to loans | 2.7663% | 2,890 |
| Net loans and leases to total assets | 61.6327% | 4,828 |
| Net loans and leases to deposits | 72.0705% | 5,037 |
| Net loans and leases to core deposits | 77.4074% | 5,095 |
| Total domestic deposits to total assets | 85.5173% | 3,407 |
| Equity capital to assets | 7.9658% | 6,696 |
| Core capital (leverage) ratio | 7.7152% | 6,608 |
| Tier 1 risk-based capital ratio | 10.3517% | 6,756 |
| Total risk-based capital ratio | 11.3254% | 6,974 |
| Memoranda: | ||
| Average total assets | $179,818,000 | 3,502 |
| Average earning assets | $170,150,500 | 3,399 |
| Average equity | $14,188,500 | 4,200 |
| Average total loans | $113,675,000 | 3,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0009% | 1,866 |
| Cost of funding earning assets | 2.2196% | 1,945 |
| Net interest margin | 3.7813% | 3,789 |
| Noninterest income to average assets | 0.4177% | 5,065 |
| Noninterest expense to average assets | 2.3597% | 6,572 |
| Loan and lease loss provision to assets | 0.6664% | 3,147 |
| Net operating income to assets | 0.8791% | 2,246 |
| Return on assets (ROA) | 0.8797% | 2,310 |
| Pretax return on assets | 0.9445% | 2,780 |
| Return on Equity (ROE) | 11.3014% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.7142% | 1,063 |
| Net charge-offs to loans | 1.2820% | 1,938 |
| Credit loss provision to net charge-offs | 78.1077% | 6,337 |
| Earnings coverage of net charge-offs (x) | 1.8874% | 4,309 |
| Efficiency ratio | 59.1273% | 6,604 |
| Assets per employee ($millions) | 5.4163% | 1,728 |
| Cash dividends to net income (ytd only)* | 40.5894% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,668 |
| Loan loss allowance to noncurrent loans | 53.3578% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 4,154 |
| Noncurrent loans to loans | 2.1447% | 3,465 |
| Net loans and leases to total assets | 63.3629% | 4,734 |
| Net loans and leases to deposits | 74.1961% | 5,007 |
| Net loans and leases to core deposits | 88.6396% | 5,262 |
| Total domestic deposits to total assets | 85.3992% | 3,361 |
| Equity capital to assets | 7.8143% | 6,752 |
| Core capital (leverage) ratio | 7.7435% | 6,512 |
| Tier 1 risk-based capital ratio | 10.3006% | 6,587 |
| Total risk-based capital ratio | 11.3113% | 6,786 |
| Memoranda: | ||
| Average total assets | $169,726,200 | 3,620 |
| Average earning assets | $159,443,400 | 3,531 |
| Average equity | $13,210,800 | 4,453 |
| Average total loans | $112,946,000 | 3,627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0681% | 1,765 |
| Cost of funding earning assets | 2.2838% | 2,050 |
| Net interest margin | 3.7843% | 3,720 |
| Noninterest income to average assets | 0.4259% | 5,083 |
| Noninterest expense to average assets | 2.3908% | 6,442 |
| Loan and lease loss provision to assets | 0.9004% | 2,136 |
| Net operating income to assets | 0.5789% | 3,684 |
| Return on assets (ROA) | 0.5796% | 3,750 |
| Pretax return on assets | 0.6855% | 3,906 |
| Return on Equity (ROE) | 7.4540% | 2,882 |
| Retained earnings to average equity (ytd only) | 1.5154% | 4,465 |
| Net charge-offs to loans | 1.1776% | 1,722 |
| Credit loss provision to net charge-offs | 113.7827% | 4,465 |
| Earnings coverage of net charge-offs (x) | 2.0030% | 4,318 |
| Efficiency ratio | 59.8318% | 6,440 |
| Assets per employee ($millions) | 5.0913% | 2,033 |
| Cash dividends to net income (ytd only)* | 79.6701% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,404 |
| Loan loss allowance to noncurrent loans | 56.5162% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.9350% | 3,444 |
| Noncurrent loans to loans | 2.6639% | 2,844 |
| Net loans and leases to total assets | 68.7270% | 3,791 |
| Net loans and leases to deposits | 80.6610% | 4,260 |
| Net loans and leases to core deposits | 101.1892% | 4,246 |
| Total domestic deposits to total assets | 85.2048% | 3,123 |
| Equity capital to assets | 8.0660% | 6,783 |
| Core capital (leverage) ratio | 7.5213% | 6,948 |
| Tier 1 risk-based capital ratio | 10.0608% | 6,915 |
| Total risk-based capital ratio | 11.3128% | 6,866 |
| Memoranda: | ||
| Average total assets | $167,473,500 | 3,670 |
| Average earning assets | $157,103,000 | 3,598 |
| Average equity | $13,021,750 | 4,528 |
| Average total loans | $112,541,500 | 3,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0239% | 2,080 |
| Cost of funding earning assets | 2.3310% | 2,232 |
| Net interest margin | 3.6929% | 3,977 |
| Noninterest income to average assets | 0.4208% | 5,113 |
| Noninterest expense to average assets | 2.4066% | 6,440 |
| Loan and lease loss provision to assets | 0.4603% | 3,225 |
| Net operating income to assets | 0.9099% | 2,419 |
| Return on assets (ROA) | 0.9110% | 2,511 |
| Pretax return on assets | 1.0174% | 2,942 |
| Return on Equity (ROE) | 11.8645% | 1,460 |
| Retained earnings to average equity (ytd only) | 5.1693% | 2,414 |
| Net charge-offs to loans | 1.6093% | 1,175 |
| Credit loss provision to net charge-offs | 43.1131% | 5,857 |
| Earnings coverage of net charge-offs (x) | 1.3830% | 4,492 |
| Efficiency ratio | 61.6687% | 6,287 |
| Assets per employee ($millions) | 5.0455% | 2,034 |
| Cash dividends to net income (ytd only)* | 56.4304% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,452 |
| Loan loss allowance to noncurrent loans | 52.4590% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 4,313 |
| Noncurrent loans to loans | 1.8460% | 3,741 |
| Net loans and leases to total assets | 68.7896% | 4,000 |
| Net loans and leases to deposits | 81.1552% | 4,365 |
| Net loans and leases to core deposits | 99.3374% | 4,576 |
| Total domestic deposits to total assets | 84.7629% | 3,373 |
| Equity capital to assets | 7.8335% | 6,937 |
| Core capital (leverage) ratio | 7.7055% | 6,750 |
| Tier 1 risk-based capital ratio | 10.4314% | 6,441 |
| Total risk-based capital ratio | 11.3443% | 6,753 |
| Memoranda: | ||
| Average total assets | $167,293,330 | 3,685 |
| Average earning assets | $156,842,330 | 3,619 |
| Average equity | $12,845,000 | 4,582 |
| Average total loans | $110,976,670 | 3,743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0981% | 1,951 |
| Cost of funding earning assets | 2.3664% | 2,432 |
| Net interest margin | 3.7317% | 3,750 |
| Noninterest income to average assets | 0.3793% | 5,393 |
| Noninterest expense to average assets | 2.2208% | 6,803 |
| Loan and lease loss provision to assets | 0.7299% | 1,756 |
| Net operating income to assets | 0.8158% | 3,061 |
| Return on assets (ROA) | 0.8158% | 3,216 |
| Pretax return on assets | 0.9231% | 3,630 |
| Return on Equity (ROE) | 10.7328% | 2,053 |
| Retained earnings to average equity (ytd only) | -1.8202% | 6,066 |
| Net charge-offs to loans | -0.1178% | 7,921 |
| Credit loss provision to net charge-offs | -956.2500% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0197% | 6,824 |
| Assets per employee ($millions) | 5.0820% | 1,981 |
| Cash dividends to net income (ytd only)* | 116.9591% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 1,808 |
| Loan loss allowance to noncurrent loans | 54.3094% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1925% | 2,606 |
| Noncurrent loans to loans | 3.3458% | 1,919 |
| Net loans and leases to total assets | 63.3430% | 5,097 |
| Net loans and leases to deposits | 72.9747% | 5,619 |
| Net loans and leases to core deposits | 87.3559% | 5,799 |
| Total domestic deposits to total assets | 86.8013% | 2,311 |
| Equity capital to assets | 7.5960% | 7,266 |
| Core capital (leverage) ratio | 7.3884% | 7,286 |
| Tier 1 risk-based capital ratio | 10.6139% | 6,278 |
| Total risk-based capital ratio | 11.8689% | 6,194 |
| Memoranda: | ||
| Average total assets | $167,689,000 | 3,693 |
| Average earning assets | $157,032,500 | 3,630 |
| Average equity | $12,746,000 | 4,641 |
| Average total loans | $108,637,000 | 3,823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6398% | 2,293 |
| Cost of funding earning assets | 2.9013% | 2,262 |
| Net interest margin | 3.7385% | 4,289 |
| Noninterest income to average assets | 0.4493% | 5,042 |
| Noninterest expense to average assets | 2.1621% | 7,086 |
| Loan and lease loss provision to assets | 0.5376% | 2,675 |
| Net operating income to assets | 1.1323% | 2,020 |
| Return on assets (ROA) | 1.1323% | 1,936 |
| Pretax return on assets | 1.2283% | 2,553 |
| Return on Equity (ROE) | 15.0162% | 920 |
| Retained earnings to average equity (ytd only) | 10.3985% | 397 |
| Net charge-offs to loans | 0.4602% | 2,526 |
| Credit loss provision to net charge-offs | 172.8395% | 2,953 |
| Earnings coverage of net charge-offs (x) | 5.6770% | 3,566 |
| Efficiency ratio | 54.7010% | 7,186 |
| Assets per employee ($millions) | 5.2398% | 1,697 |
| Cash dividends to net income (ytd only)* | 30.7518% | 4,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 2,733 |
| Loan loss allowance to noncurrent loans | 69.8712% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.4236% | 3,353 |
| Noncurrent loans to loans | 2.1361% | 2,586 |
| Net loans and leases to total assets | 64.0834% | 5,255 |
| Net loans and leases to deposits | 74.6362% | 5,778 |
| Net loans and leases to core deposits | 89.3377% | 5,860 |
| Total domestic deposits to total assets | 85.8611% | 2,467 |
| Equity capital to assets | 7.6059% | 7,299 |
| Core capital (leverage) ratio | 7.6949% | 6,946 |
| Tier 1 risk-based capital ratio | 10.5098% | 6,203 |
| Total risk-based capital ratio | 11.7614% | 6,084 |
| Memoranda: | ||
| Average total assets | $156,235,800 | 3,780 |
| Average earning assets | $145,380,600 | 3,733 |
| Average equity | $11,780,600 | 4,897 |
| Average total loans | $105,612,200 | 3,807 |