Home > First Iowa State Bank > Performance and Condition Ratios
First Iowa State Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 494 |
| Cost of funding earning assets | 0.1525% | 4,107 |
| Net interest margin | 4.5743% | 256 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.1333% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5228% | 832 |
| Return on assets (ROA) | 1.5228% | 805 |
| Pretax return on assets | 1.5984% | 1,174 |
| Return on Equity (ROE) | 19.9700% | 483 |
| Retained earnings to average equity (ytd only) | 2.2816% | 3,923 |
| Net charge-offs to loans | 0.1313% | 603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.0847% | 1,894 |
| Efficiency ratio | 66.2201% | 2,205 |
| Assets per employee ($millions) | 5.7272% | 3,006 |
| Cash dividends to net income (ytd only)* | 88.5740% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4359% | 225 |
| Loan loss allowance to noncurrent loans | 825.0000% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,240 |
| Noncurrent loans to loans | 0.2953% | 2,082 |
| Net loans and leases to total assets | 62.1300% | 2,423 |
| Net loans and leases to deposits | 66.4956% | 2,858 |
| Net loans and leases to core deposits | 67.1413% | 3,060 |
| Total domestic deposits to total assets | 93.4400% | 319 |
| Equity capital to assets | 6.2334% | 4,006 |
| Core capital (leverage) ratio | 10.2028% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $148,277,200 | 3,461 |
| Average earning assets | $136,437,200 | 3,455 |
| Average equity | $11,307,800 | 3,734 |
| Average total loans | $89,852,000 | 3,291 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 333 |
| Cost of funding earning assets | 0.1281% | 4,048 |
| Net interest margin | 4.6034% | 198 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.1541% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5672% | 711 |
| Return on assets (ROA) | 1.5672% | 689 |
| Pretax return on assets | 1.6419% | 1,022 |
| Return on Equity (ROE) | 19.6500% | 466 |
| Retained earnings to average equity (ytd only) | 3.8484% | 3,496 |
| Net charge-offs to loans | 0.0391% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 70.1538% | 1,106 |
| Efficiency ratio | 65.7658% | 2,311 |
| Assets per employee ($millions) | 5.2019% | 3,501 |
| Cash dividends to net income (ytd only)* | 80.4136% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6149% | 207 |
| Loan loss allowance to noncurrent loans | 635.4497% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 1,967 |
| Noncurrent loans to loans | 0.4115% | 1,789 |
| Net loans and leases to total assets | 59.3000% | 2,579 |
| Net loans and leases to deposits | 65.9190% | 2,727 |
| Net loans and leases to core deposits | 66.5585% | 2,911 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 6.1529% | 3,900 |
| Core capital (leverage) ratio | 10.3061% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $148,119,500 | 3,487 |
| Average earning assets | $136,330,000 | 3,483 |
| Average equity | $11,814,250 | 3,731 |
| Average total loans | $88,607,500 | 3,319 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 209 |
| Cost of funding earning assets | 0.1150% | 4,021 |
| Net interest margin | 4.7433% | 142 |
| Noninterest income to average assets | 0.6562% | 1,514 |
| Noninterest expense to average assets | 3.1711% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7731% | 361 |
| Return on assets (ROA) | 1.7731% | 354 |
| Pretax return on assets | 1.8559% | 519 |
| Return on Equity (ROE) | 20.6188% | 269 |
| Retained earnings to average equity (ytd only) | 10.3489% | 936 |
| Net charge-offs to loans | -0.0320% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0811% | 2,904 |
| Assets per employee ($millions) | 5.0249% | 3,654 |
| Cash dividends to net income (ytd only)* | 49.8084% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7380% | 187 |
| Loan loss allowance to noncurrent loans | 665.3951% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 2,059 |
| Noncurrent loans to loans | 0.4115% | 1,887 |
| Net loans and leases to total assets | 59.5298% | 2,375 |
| Net loans and leases to deposits | 65.8739% | 2,554 |
| Net loans and leases to core deposits | 66.5261% | 2,778 |
| Total domestic deposits to total assets | 90.3693% | 1,531 |
| Equity capital to assets | 7.1479% | 3,690 |
| Core capital (leverage) ratio | 10.5843% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,202,333 | 3,528 |
| Average earning assets | $135,644,333 | 3,537 |
| Average equity | $12,658,333 | 3,713 |
| Average total loans | $87,524,000 | 3,360 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 601 |
| Cost of funding earning assets | 0.1316% | 3,747 |
| Net interest margin | 3.9985% | 420 |
| Noninterest income to average assets | 0.6029% | 1,682 |
| Noninterest expense to average assets | 3.0958% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1464% | 1,387 |
| Return on assets (ROA) | 1.1464% | 1,386 |
| Pretax return on assets | 1.2032% | 1,805 |
| Return on Equity (ROE) | 12.3081% | 1,223 |
| Retained earnings to average equity (ytd only) | 2.1481% | 3,506 |
| Net charge-offs to loans | -0.0600% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0126% | 1,973 |
| Assets per employee ($millions) | 4.9063% | 3,832 |
| Cash dividends to net income (ytd only)* | 82.5472% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8068% | 192 |
| Loan loss allowance to noncurrent loans | 185.3455% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 599 |
| Noncurrent loans to loans | 1.5144% | 537 |
| Net loans and leases to total assets | 57.4266% | 2,365 |
| Net loans and leases to deposits | 63.0685% | 2,617 |
| Net loans and leases to core deposits | 63.6814% | 2,820 |
| Total domestic deposits to total assets | 91.0543% | 1,005 |
| Equity capital to assets | 8.5367% | 3,125 |
| Core capital (leverage) ratio | 10.1568% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,942,500 | 3,533 |
| Average earning assets | $136,751,000 | 3,540 |
| Average equity | $13,779,500 | 3,678 |
| Average total loans | $86,691,000 | 3,378 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 297 |
| Cost of funding earning assets | 0.2345% | 3,086 |
| Net interest margin | 4.6724% | 211 |
| Noninterest income to average assets | 0.7035% | 1,761 |
| Noninterest expense to average assets | 3.0757% | 879 |
| Loan and lease loss provision to assets | 0.0713% | 1,664 |
| Net operating income to assets | 1.7947% | 511 |
| Return on assets (ROA) | 1.7947% | 533 |
| Pretax return on assets | 1.8839% | 750 |
| Return on Equity (ROE) | 17.6023% | 505 |
| Retained earnings to average equity (ytd only) | 1.9210% | 3,999 |
| Net charge-offs to loans | 0.0327% | 1,582 |
| Credit loss provision to net charge-offs | 356.6667% | 981 |
| Earnings coverage of net charge-offs (x) | 97.8333% | 891 |
| Efficiency ratio | 61.1361% | 2,977 |
| Assets per employee ($millions) | 4.9566% | 3,768 |
| Cash dividends to net income (ytd only)* | 89.0869% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8097% | 186 |
| Loan loss allowance to noncurrent loans | 193.6204% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 698 |
| Noncurrent loans to loans | 1.4511% | 637 |
| Net loans and leases to total assets | 56.4826% | 2,543 |
| Net loans and leases to deposits | 63.0649% | 2,779 |
| Net loans and leases to core deposits | 64.6609% | 2,929 |
| Total domestic deposits to total assets | 89.5627% | 1,199 |
| Equity capital to assets | 10.0836% | 2,579 |
| Core capital (leverage) ratio | 10.0619% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,110,200 | 3,482 |
| Average earning assets | $139,030,200 | 3,485 |
| Average equity | $15,304,800 | 3,605 |
| Average total loans | $91,734,600 | 3,313 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 230 |
| Cost of funding earning assets | 0.2393% | 3,218 |
| Net interest margin | 4.9411% | 169 |
| Noninterest income to average assets | 0.7975% | 1,531 |
| Noninterest expense to average assets | 3.0828% | 845 |
| Loan and lease loss provision to assets | 0.0950% | 1,256 |
| Net operating income to assets | 2.0904% | 399 |
| Return on assets (ROA) | 2.0904% | 423 |
| Pretax return on assets | 2.1941% | 549 |
| Return on Equity (ROE) | 20.4470% | 393 |
| Retained earnings to average equity (ytd only) | 3.1117% | 3,865 |
| Net charge-offs to loans | 0.0473% | 1,187 |
| Credit loss provision to net charge-offs | 324.2424% | 966 |
| Earnings coverage of net charge-offs (x) | 78.2727% | 993 |
| Efficiency ratio | 57.3903% | 3,368 |
| Assets per employee ($millions) | 5.2662% | 3,435 |
| Cash dividends to net income (ytd only)* | 84.7817% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8131% | 192 |
| Loan loss allowance to noncurrent loans | 188.2764% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 796 |
| Noncurrent loans to loans | 1.4941% | 706 |
| Net loans and leases to total assets | 56.8174% | 2,637 |
| Net loans and leases to deposits | 63.8652% | 2,868 |
| Net loans and leases to core deposits | 65.6457% | 2,984 |
| Total domestic deposits to total assets | 88.9646% | 1,295 |
| Equity capital to assets | 10.5681% | 2,403 |
| Core capital (leverage) ratio | 10.0572% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,463,500 | 3,514 |
| Average earning assets | $139,290,500 | 3,514 |
| Average equity | $15,382,500 | 3,639 |
| Average total loans | $93,064,250 | 3,334 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 267 |
| Cost of funding earning assets | 0.2441% | 3,331 |
| Net interest margin | 4.9223% | 184 |
| Noninterest income to average assets | 0.5189% | 2,534 |
| Noninterest expense to average assets | 3.0541% | 904 |
| Loan and lease loss provision to assets | 0.1281% | 978 |
| Net operating income to assets | 1.7971% | 724 |
| Return on assets (ROA) | 1.7971% | 758 |
| Pretax return on assets | 1.8895% | 1,044 |
| Return on Equity (ROE) | 17.7727% | 680 |
| Retained earnings to average equity (ytd only) | 6.5423% | 2,606 |
| Net charge-offs to loans | -0.0168% | 3,910 |
| Credit loss provision to net charge-offs | -1,212.5000% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2187% | 2,990 |
| Assets per employee ($millions) | 5.4960% | 3,133 |
| Cash dividends to net income (ytd only)* | 63.1888% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6944% | 212 |
| Loan loss allowance to noncurrent loans | 170.9116% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 723 |
| Noncurrent loans to loans | 1.5765% | 703 |
| Net loans and leases to total assets | 57.6377% | 2,710 |
| Net loans and leases to deposits | 64.5384% | 2,943 |
| Net loans and leases to core deposits | 66.2635% | 3,090 |
| Total domestic deposits to total assets | 89.3077% | 1,135 |
| Equity capital to assets | 10.0502% | 2,809 |
| Core capital (leverage) ratio | 9.9018% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,467,000 | 3,520 |
| Average earning assets | $140,097,667 | 3,513 |
| Average equity | $15,315,667 | 3,648 |
| Average total loans | $95,351,000 | 3,318 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 677 |
| Cost of funding earning assets | 0.2483% | 3,492 |
| Net interest margin | 4.3445% | 477 |
| Noninterest income to average assets | 0.4339% | 2,904 |
| Noninterest expense to average assets | 2.9603% | 1,050 |
| Loan and lease loss provision to assets | 0.1784% | 695 |
| Net operating income to assets | 1.2459% | 1,991 |
| Return on assets (ROA) | 1.2459% | 2,072 |
| Pretax return on assets | 1.3018% | 2,568 |
| Return on Equity (ROE) | 12.2831% | 1,914 |
| Retained earnings to average equity (ytd only) | 2.8346% | 3,831 |
| Net charge-offs to loans | -0.0287% | 4,153 |
| Credit loss provision to net charge-offs | -957.1429% | 3,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,134 |
| Assets per employee ($millions) | 5.2236% | 3,407 |
| Cash dividends to net income (ytd only)* | 76.9231% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5076% | 257 |
| Loan loss allowance to noncurrent loans | 183.4342% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 802 |
| Noncurrent loans to loans | 1.3670% | 931 |
| Net loans and leases to total assets | 62.2383% | 2,261 |
| Net loans and leases to deposits | 69.5554% | 2,557 |
| Net loans and leases to core deposits | 71.4228% | 2,751 |
| Total domestic deposits to total assets | 89.4801% | 1,074 |
| Equity capital to assets | 9.8208% | 2,876 |
| Core capital (leverage) ratio | 9.9470% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,257,000 | 3,526 |
| Average earning assets | $138,567,500 | 3,529 |
| Average equity | $15,240,500 | 3,665 |
| Average total loans | $97,450,000 | 3,297 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 328 |
| Cost of funding earning assets | 0.3198% | 4,028 |
| Net interest margin | 4.8971% | 145 |
| Noninterest income to average assets | 0.5072% | 2,599 |
| Noninterest expense to average assets | 3.4980% | 692 |
| Loan and lease loss provision to assets | 0.1736% | 2,219 |
| Net operating income to assets | 1.2579% | 1,363 |
| Return on assets (ROA) | 1.2579% | 1,471 |
| Pretax return on assets | 1.3208% | 1,913 |
| Return on Equity (ROE) | 11.3144% | 1,521 |
| Retained earnings to average equity (ytd only) | 1.0344% | 4,218 |
| Net charge-offs to loans | -0.0348% | 4,583 |
| Credit loss provision to net charge-offs | -694.2857% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0672% | 1,938 |
| Assets per employee ($millions) | 4.6572% | 3,755 |
| Cash dividends to net income (ytd only)* | 90.8575% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 300 |
| Loan loss allowance to noncurrent loans | 169.2585% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 690 |
| Noncurrent loans to loans | 1.4145% | 954 |
| Net loans and leases to total assets | 64.3112% | 2,322 |
| Net loans and leases to deposits | 72.1829% | 2,665 |
| Net loans and leases to core deposits | 74.6790% | 2,848 |
| Total domestic deposits to total assets | 89.0948% | 946 |
| Equity capital to assets | 10.4704% | 2,698 |
| Core capital (leverage) ratio | 10.0147% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,993,000 | 3,511 |
| Average earning assets | $128,217,600 | 3,530 |
| Average equity | $15,564,200 | 3,601 |
| Average total loans | $100,547,800 | 3,221 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 319 |
| Cost of funding earning assets | 0.3396% | 4,106 |
| Net interest margin | 5.0024% | 141 |
| Noninterest income to average assets | 0.4995% | 2,617 |
| Noninterest expense to average assets | 3.5720% | 641 |
| Loan and lease loss provision to assets | 0.1684% | 2,316 |
| Net operating income to assets | 1.2788% | 1,402 |
| Return on assets (ROA) | 1.2788% | 1,508 |
| Pretax return on assets | 1.3368% | 1,918 |
| Return on Equity (ROE) | 11.3235% | 1,580 |
| Retained earnings to average equity (ytd only) | 4.0374% | 3,030 |
| Net charge-offs to loans | -0.0158% | 4,353 |
| Credit loss provision to net charge-offs | -1,450.0000% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3527% | 1,836 |
| Assets per employee ($millions) | 4.4095% | 3,946 |
| Cash dividends to net income (ytd only)* | 64.3452% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2233% | 339 |
| Loan loss allowance to noncurrent loans | 157.7514% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3302% | 693 |
| Noncurrent loans to loans | 1.4094% | 1,027 |
| Net loans and leases to total assets | 70.4076% | 1,888 |
| Net loans and leases to deposits | 79.9466% | 2,319 |
| Net loans and leases to core deposits | 83.2869% | 2,552 |
| Total domestic deposits to total assets | 88.0684% | 1,193 |
| Equity capital to assets | 11.3257% | 2,132 |
| Core capital (leverage) ratio | 10.6225% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,733,750 | 3,533 |
| Average earning assets | $126,043,250 | 3,537 |
| Average equity | $15,554,250 | 3,604 |
| Average total loans | $101,136,250 | 3,223 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 398 |
| Cost of funding earning assets | 0.3722% | 4,163 |
| Net interest margin | 5.0355% | 188 |
| Noninterest income to average assets | 0.4992% | 2,565 |
| Noninterest expense to average assets | 3.5254% | 731 |
| Loan and lease loss provision to assets | 0.1537% | 2,465 |
| Net operating income to assets | 1.3703% | 1,179 |
| Return on assets (ROA) | 1.3703% | 1,273 |
| Pretax return on assets | 1.4347% | 1,628 |
| Return on Equity (ROE) | 12.1464% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.0091% | 2,468 |
| Net charge-offs to loans | -0.0099% | 4,209 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9379% | 2,096 |
| Assets per employee ($millions) | 4.5634% | 3,703 |
| Cash dividends to net income (ytd only)* | 58.7607% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 375 |
| Loan loss allowance to noncurrent loans | 143.4297% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 705 |
| Noncurrent loans to loans | 1.4655% | 1,040 |
| Net loans and leases to total assets | 71.8692% | 1,738 |
| Net loans and leases to deposits | 83.4872% | 2,047 |
| Net loans and leases to core deposits | 86.5843% | 2,389 |
| Total domestic deposits to total assets | 86.0841% | 1,975 |
| Equity capital to assets | 11.1732% | 2,192 |
| Core capital (leverage) ratio | 10.5888% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,610,333 | 3,524 |
| Average earning assets | $125,192,000 | 3,529 |
| Average equity | $15,412,000 | 3,614 |
| Average total loans | $100,979,333 | 3,220 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 383 |
| Cost of funding earning assets | 0.4328% | 4,225 |
| Net interest margin | 5.0606% | 172 |
| Noninterest income to average assets | 0.4919% | 2,590 |
| Noninterest expense to average assets | 3.6517% | 750 |
| Loan and lease loss provision to assets | 0.1341% | 2,053 |
| Net operating income to assets | 1.2699% | 1,329 |
| Return on assets (ROA) | 1.2699% | 1,424 |
| Pretax return on assets | 1.3414% | 1,746 |
| Return on Equity (ROE) | 11.1995% | 1,357 |
| Retained earnings to average equity (ytd only) | 4.6270% | 2,446 |
| Net charge-offs to loans | 0.0201% | 1,963 |
| Credit loss provision to net charge-offs | 900.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 584 |
| Efficiency ratio | 71.2209% | 2,188 |
| Assets per employee ($millions) | 4.2435% | 3,602 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1004% | 435 |
| Loan loss allowance to noncurrent loans | 154.3462% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 822 |
| Noncurrent loans to loans | 1.3608% | 1,182 |
| Net loans and leases to total assets | 74.8681% | 1,474 |
| Net loans and leases to deposits | 87.6322% | 1,790 |
| Net loans and leases to core deposits | 96.9447% | 1,721 |
| Total domestic deposits to total assets | 85.4344% | 2,239 |
| Equity capital to assets | 11.5295% | 2,417 |
| Core capital (leverage) ratio | 10.8494% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,183,500 | 3,532 |
| Average earning assets | $122,911,000 | 3,536 |
| Average equity | $15,215,000 | 3,638 |
| Average total loans | $99,543,000 | 3,232 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 671 |
| Cost of funding earning assets | 0.5163% | 4,013 |
| Net interest margin | 4.8774% | 343 |
| Noninterest income to average assets | 0.6563% | 1,979 |
| Noninterest expense to average assets | 3.7587% | 707 |
| Loan and lease loss provision to assets | 0.1332% | 1,598 |
| Net operating income to assets | 1.1787% | 2,139 |
| Return on assets (ROA) | 1.1787% | 2,236 |
| Pretax return on assets | 1.2379% | 2,710 |
| Return on Equity (ROE) | 10.6322% | 2,035 |
| Retained earnings to average equity (ytd only) | 3.6242% | 3,185 |
| Net charge-offs to loans | 0.0463% | 2,460 |
| Credit loss provision to net charge-offs | 409.0909% | 701 |
| Earnings coverage of net charge-offs (x) | 42.1136% | 1,267 |
| Efficiency ratio | 73.2728% | 1,692 |
| Assets per employee ($millions) | 4.2755% | 3,538 |
| Cash dividends to net income (ytd only)* | 65.9134% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 392 |
| Loan loss allowance to noncurrent loans | 109.7987% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.7074% | 539 |
| Noncurrent loans to loans | 1.9171% | 682 |
| Net loans and leases to total assets | 70.4671% | 2,319 |
| Net loans and leases to deposits | 79.7253% | 2,810 |
| Net loans and leases to core deposits | 90.3732% | 2,387 |
| Total domestic deposits to total assets | 88.3874% | 944 |
| Equity capital to assets | 11.1558% | 2,852 |
| Core capital (leverage) ratio | 10.5282% | 2,926 |
| Tier 1 risk-based capital ratio | 14.2741% | 3,134 |
| Total risk-based capital ratio | 15.5333% | 3,043 |
| Memoranda: | ||
| Average total assets | $135,152,600 | 3,505 |
| Average earning assets | $123,959,400 | 3,506 |
| Average equity | $14,982,800 | 3,640 |
| Average total loans | $94,955,600 | 3,294 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 736 |
| Cost of funding earning assets | 0.5298% | 4,024 |
| Net interest margin | 4.8450% | 384 |
| Noninterest income to average assets | 0.6373% | 2,042 |
| Noninterest expense to average assets | 3.8286% | 635 |
| Loan and lease loss provision to assets | 0.1336% | 1,439 |
| Net operating income to assets | 1.0737% | 2,672 |
| Return on assets (ROA) | 1.0737% | 2,763 |
| Pretax return on assets | 1.1271% | 3,213 |
| Return on Equity (ROE) | 9.7006% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.3362% | 3,226 |
| Net charge-offs to loans | 0.0638% | 1,909 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 28.3103% | 1,691 |
| Efficiency ratio | 75.2285% | 1,424 |
| Assets per employee ($millions) | 4.2254% | 3,583 |
| Cash dividends to net income (ytd only)* | 55.2996% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 404 |
| Loan loss allowance to noncurrent loans | 118.1235% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 967 |
| Noncurrent loans to loans | 1.7584% | 819 |
| Net loans and leases to total assets | 70.6737% | 2,379 |
| Net loans and leases to deposits | 82.7840% | 2,587 |
| Net loans and leases to core deposits | 94.4185% | 2,145 |
| Total domestic deposits to total assets | 85.3712% | 2,262 |
| Equity capital to assets | 11.4005% | 2,736 |
| Core capital (leverage) ratio | 10.6444% | 2,981 |
| Tier 1 risk-based capital ratio | 13.6337% | 3,512 |
| Total risk-based capital ratio | 14.8917% | 3,410 |
| Memoranda: | ||
| Average total assets | $134,736,500 | 3,543 |
| Average earning assets | $123,808,250 | 3,547 |
| Average equity | $14,912,750 | 3,681 |
| Average total loans | $94,073,500 | 3,355 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 763 |
| Cost of funding earning assets | 0.5220% | 4,024 |
| Net interest margin | 4.8078% | 398 |
| Noninterest income to average assets | 0.6569% | 1,887 |
| Noninterest expense to average assets | 3.8937% | 602 |
| Loan and lease loss provision to assets | 0.1338% | 1,384 |
| Net operating income to assets | 1.0017% | 2,915 |
| Return on assets (ROA) | 1.0017% | 2,983 |
| Pretax return on assets | 1.0507% | 3,384 |
| Return on Equity (ROE) | 9.1419% | 2,800 |
| Retained earnings to average equity (ytd only) | 3.7164% | 3,400 |
| Net charge-offs to loans | 0.0861% | 1,502 |
| Credit loss provision to net charge-offs | 225.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 19.9250% | 1,796 |
| Efficiency ratio | 76.6754% | 1,311 |
| Assets per employee ($millions) | 4.2983% | 3,433 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 393 |
| Loan loss allowance to noncurrent loans | 110.6347% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 971 |
| Noncurrent loans to loans | 1.9026% | 777 |
| Net loans and leases to total assets | 67.1860% | 2,941 |
| Net loans and leases to deposits | 81.6669% | 2,767 |
| Net loans and leases to core deposits | 93.4955% | 2,282 |
| Total domestic deposits to total assets | 82.2683% | 3,441 |
| Equity capital to assets | 10.9782% | 3,088 |
| Core capital (leverage) ratio | 10.5491% | 3,036 |
| Tier 1 risk-based capital ratio | 14.2634% | 3,180 |
| Total risk-based capital ratio | 15.5224% | 3,093 |
| Memoranda: | ||
| Average total assets | $134,577,670 | 3,561 |
| Average earning assets | $123,757,670 | 3,566 |
| Average equity | $14,745,330 | 3,701 |
| Average total loans | $92,902,330 | 3,394 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3043% | 752 |
| Cost of funding earning assets | 0.5151% | 3,995 |
| Net interest margin | 4.7892% | 421 |
| Noninterest income to average assets | 0.6161% | 1,966 |
| Noninterest expense to average assets | 3.9972% | 545 |
| Loan and lease loss provision to assets | 0.1352% | 1,281 |
| Net operating income to assets | 0.8535% | 3,435 |
| Return on assets (ROA) | 0.8535% | 3,479 |
| Pretax return on assets | 0.8986% | 3,773 |
| Return on Equity (ROE) | 7.7979% | 3,342 |
| Retained earnings to average equity (ytd only) | 2.3064% | 3,979 |
| Net charge-offs to loans | 0.0130% | 2,237 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 114.6667% | 609 |
| Efficiency ratio | 79.4504% | 1,110 |
| Assets per employee ($millions) | 3.8157% | 4,166 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1359% | 399 |
| Loan loss allowance to noncurrent loans | 114.3931% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 1,009 |
| Noncurrent loans to loans | 1.8672% | 816 |
| Net loans and leases to total assets | 67.8954% | 2,767 |
| Net loans and leases to deposits | 80.4927% | 2,786 |
| Net loans and leases to core deposits | 92.1634% | 2,286 |
| Total domestic deposits to total assets | 84.3498% | 2,922 |
| Equity capital to assets | 11.0287% | 2,822 |
| Core capital (leverage) ratio | 10.5644% | 2,980 |
| Tier 1 risk-based capital ratio | 14.4257% | 3,132 |
| Total risk-based capital ratio | 15.6854% | 3,057 |
| Memoranda: | ||
| Average total assets | $133,094,000 | 3,620 |
| Average earning assets | $122,693,500 | 3,621 |
| Average equity | $14,568,000 | 3,731 |
| Average total loans | $92,154,500 | 3,445 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 655 |
| Cost of funding earning assets | 0.4840% | 3,454 |
| Net interest margin | 4.7532% | 439 |
| Noninterest income to average assets | 0.6221% | 2,179 |
| Noninterest expense to average assets | 3.7095% | 761 |
| Loan and lease loss provision to assets | 0.3235% | 494 |
| Net operating income to assets | 0.8588% | 3,580 |
| Return on assets (ROA) | 0.8588% | 3,576 |
| Pretax return on assets | 0.9573% | 3,734 |
| Return on Equity (ROE) | 8.0500% | 3,414 |
| Retained earnings to average equity (ytd only) | 2.6052% | 4,097 |
| Net charge-offs to loans | -0.0456% | 4,944 |
| Credit loss provision to net charge-offs | -1,047.6190% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3333% | 1,584 |
| Assets per employee ($millions) | 3.7896% | 4,197 |
| Cash dividends to net income (ytd only)* | 67.6370% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 395 |
| Loan loss allowance to noncurrent loans | 112.4202% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 983 |
| Noncurrent loans to loans | 1.8799% | 736 |
| Net loans and leases to total assets | 67.6418% | 2,927 |
| Net loans and leases to deposits | 84.5878% | 2,450 |
| Net loans and leases to core deposits | 90.1634% | 2,563 |
| Total domestic deposits to total assets | 79.9664% | 4,113 |
| Equity capital to assets | 10.8620% | 2,834 |
| Core capital (leverage) ratio | 10.3769% | 3,164 |
| Tier 1 risk-based capital ratio | 14.5386% | 3,048 |
| Total risk-based capital ratio | 15.7980% | 2,960 |
| Memoranda: | ||
| Average total assets | $136,001,600 | 3,567 |
| Average earning assets | $124,989,200 | 3,578 |
| Average equity | $14,509,400 | 3,699 |
| Average total loans | $92,165,200 | 3,438 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 658 |
| Cost of funding earning assets | 0.4661% | 3,413 |
| Net interest margin | 4.7107% | 464 |
| Noninterest income to average assets | 0.5895% | 2,369 |
| Noninterest expense to average assets | 3.4277% | 1,078 |
| Loan and lease loss provision to assets | 0.3946% | 320 |
| Net operating income to assets | 1.0455% | 2,891 |
| Return on assets (ROA) | 1.0455% | 2,898 |
| Pretax return on assets | 1.0903% | 3,438 |
| Return on Equity (ROE) | 9.8427% | 2,692 |
| Retained earnings to average equity (ytd only) | 4.4305% | 3,534 |
| Net charge-offs to loans | -0.0303% | 4,756 |
| Credit loss provision to net charge-offs | -1,928.5714% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7739% | 2,234 |
| Assets per employee ($millions) | 3.8487% | 4,110 |
| Cash dividends to net income (ytd only)* | 54.9863% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 435 |
| Loan loss allowance to noncurrent loans | 83.8983% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 743 |
| Noncurrent loans to loans | 2.4593% | 538 |
| Net loans and leases to total assets | 66.2829% | 3,149 |
| Net loans and leases to deposits | 85.4140% | 2,431 |
| Net loans and leases to core deposits | 90.6990% | 2,596 |
| Total domestic deposits to total assets | 77.6018% | 4,550 |
| Equity capital to assets | 10.6219% | 3,024 |
| Core capital (leverage) ratio | 10.4973% | 3,088 |
| Tier 1 risk-based capital ratio | 14.3293% | 3,198 |
| Total risk-based capital ratio | 15.5879% | 3,112 |
| Memoranda: | ||
| Average total assets | $136,842,750 | 3,585 |
| Average earning assets | $125,583,250 | 3,601 |
| Average equity | $14,535,000 | 3,718 |
| Average total loans | $92,292,750 | 3,459 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 587 |
| Cost of funding earning assets | 0.4285% | 3,508 |
| Net interest margin | 4.7399% | 401 |
| Noninterest income to average assets | 0.6645% | 2,031 |
| Noninterest expense to average assets | 3.3906% | 1,143 |
| Loan and lease loss provision to assets | 0.4362% | 266 |
| Net operating income to assets | 1.1515% | 2,390 |
| Return on assets (ROA) | 1.1515% | 2,391 |
| Pretax return on assets | 1.1966% | 2,956 |
| Return on Equity (ROE) | 10.8414% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.2291% | 2,967 |
| Net charge-offs to loans | -0.0194% | 4,555 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4964% | 2,728 |
| Assets per employee ($millions) | 3.8036% | 4,204 |
| Cash dividends to net income (ytd only)* | 51.7677% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 553 |
| Loan loss allowance to noncurrent loans | 87.4133% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.5158% | 873 |
| Noncurrent loans to loans | 2.2432% | 614 |
| Net loans and leases to total assets | 66.2488% | 3,106 |
| Net loans and leases to deposits | 85.6187% | 2,359 |
| Net loans and leases to core deposits | 90.7384% | 2,509 |
| Total domestic deposits to total assets | 77.3765% | 4,683 |
| Equity capital to assets | 10.9106% | 2,722 |
| Core capital (leverage) ratio | 10.4186% | 3,117 |
| Tier 1 risk-based capital ratio | 14.5612% | 3,091 |
| Total risk-based capital ratio | 15.8189% | 3,001 |
| Memoranda: | ||
| Average total assets | $137,556,000 | 3,604 |
| Average earning assets | $126,501,000 | 3,612 |
| Average equity | $14,610,670 | 3,730 |
| Average total loans | $92,668,330 | 3,467 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 438 |
| Cost of funding earning assets | 0.4680% | 3,062 |
| Net interest margin | 4.7955% | 348 |
| Noninterest income to average assets | 0.8814% | 1,197 |
| Noninterest expense to average assets | 3.3483% | 1,255 |
| Loan and lease loss provision to assets | 0.2146% | 742 |
| Net operating income to assets | 1.6627% | 747 |
| Return on assets (ROA) | 1.6627% | 751 |
| Pretax return on assets | 1.7171% | 1,073 |
| Return on Equity (ROE) | 15.8597% | 650 |
| Retained earnings to average equity (ytd only) | 10.7005% | 963 |
| Net charge-offs to loans | -0.0936% | 5,182 |
| Credit loss provision to net charge-offs | -340.9091% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4146% | 3,575 |
| Assets per employee ($millions) | 3.9785% | 4,015 |
| Cash dividends to net income (ytd only)* | 32.5301% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,069 |
| Loan loss allowance to noncurrent loans | 96.3354% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 1,153 |
| Noncurrent loans to loans | 1.7061% | 1,000 |
| Net loans and leases to total assets | 66.6569% | 2,946 |
| Net loans and leases to deposits | 85.3932% | 2,247 |
| Net loans and leases to core deposits | 89.9801% | 2,450 |
| Total domestic deposits to total assets | 78.0587% | 4,724 |
| Equity capital to assets | 10.5423% | 3,036 |
| Core capital (leverage) ratio | 10.0169% | 3,514 |
| Tier 1 risk-based capital ratio | 13.6301% | 3,585 |
| Total risk-based capital ratio | 14.8833% | 3,496 |
| Memoranda: | ||
| Average total assets | $139,770,500 | 3,615 |
| Average earning assets | $128,202,500 | 3,616 |
| Average equity | $14,653,500 | 3,751 |
| Average total loans | $94,023,000 | 3,464 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 468 |
| Cost of funding earning assets | 0.3918% | 3,320 |
| Net interest margin | 4.7819% | 366 |
| Noninterest income to average assets | 0.5657% | 2,626 |
| Noninterest expense to average assets | 3.4760% | 1,076 |
| Loan and lease loss provision to assets | 0.2154% | 915 |
| Net operating income to assets | 1.2164% | 1,463 |
| Return on assets (ROA) | 1.2405% | 1,407 |
| Pretax return on assets | 1.2979% | 2,361 |
| Return on Equity (ROE) | 10.0884% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.0884% | 337 |
| Net charge-offs to loans | 0.3784% | 669 |
| Credit loss provision to net charge-offs | 86.4553% | 2,846 |
| Earnings coverage of net charge-offs (x) | 5.9741% | 3,242 |
| Efficiency ratio | 70.0217% | 2,541 |
| Assets per employee ($millions) | 3.6919% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,268 |
| Loan loss allowance to noncurrent loans | 107.8635% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 1,396 |
| Noncurrent loans to loans | 1.4390% | 1,190 |
| Net loans and leases to total assets | 65.7362% | 3,134 |
| Net loans and leases to deposits | 87.3480% | 2,094 |
| Net loans and leases to core deposits | 92.1860% | 2,365 |
| Total domestic deposits to total assets | 75.2579% | 5,062 |
| Equity capital to assets | 10.4262% | 3,237 |
| Core capital (leverage) ratio | 9.6413% | 3,877 |
| Tier 1 risk-based capital ratio | 13.3318% | 3,727 |
| Total risk-based capital ratio | 14.5842% | 3,633 |
| Memoranda: | ||
| Average total assets | $139,297,400 | 3,620 |
| Average earning assets | $128,129,600 | 3,608 |
| Average equity | $17,128,600 | 3,475 |
| Average total loans | $91,707,600 | 3,494 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 462 |
| Cost of funding earning assets | 0.3395% | 3,778 |
| Net interest margin | 4.8076% | 325 |
| Noninterest income to average assets | 0.5887% | 2,544 |
| Noninterest expense to average assets | 3.3024% | 1,343 |
| Loan and lease loss provision to assets | 0.2157% | 866 |
| Net operating income to assets | 1.4349% | 1,017 |
| Return on assets (ROA) | 1.4671% | 977 |
| Pretax return on assets | 1.5304% | 1,669 |
| Return on Equity (ROE) | 11.4901% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.4901% | 346 |
| Net charge-offs to loans | 0.0395% | 2,649 |
| Credit loss provision to net charge-offs | 833.3333% | 420 |
| Earnings coverage of net charge-offs (x) | 66.1464% | 937 |
| Efficiency ratio | 65.8509% | 3,238 |
| Assets per employee ($millions) | 3.8887% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 802 |
| Loan loss allowance to noncurrent loans | 170.8543% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 1,809 |
| Noncurrent loans to loans | 1.0718% | 1,799 |
| Net loans and leases to total assets | 65.0983% | 3,232 |
| Net loans and leases to deposits | 85.5043% | 2,364 |
| Net loans and leases to core deposits | 90.1923% | 2,594 |
| Total domestic deposits to total assets | 76.1345% | 5,003 |
| Equity capital to assets | 10.7934% | 3,069 |
| Core capital (leverage) ratio | 9.8140% | 3,803 |
| Tier 1 risk-based capital ratio | 13.4596% | 3,731 |
| Total risk-based capital ratio | 14.7149% | 3,642 |
| Memoranda: | ||
| Average total assets | $139,049,000 | 3,662 |
| Average earning assets | $128,015,000 | 3,646 |
| Average equity | $17,754,000 | 3,431 |
| Average total loans | $91,215,500 | 3,532 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 454 |
| Cost of funding earning assets | 0.3082% | 4,002 |
| Net interest margin | 4.8065% | 320 |
| Noninterest income to average assets | 0.5795% | 2,563 |
| Noninterest expense to average assets | 3.3013% | 1,370 |
| Loan and lease loss provision to assets | 0.2162% | 822 |
| Net operating income to assets | 1.4272% | 1,004 |
| Return on assets (ROA) | 1.4272% | 1,032 |
| Pretax return on assets | 1.4906% | 1,686 |
| Return on Equity (ROE) | 10.6250% | 1,786 |
| Retained earnings to average equity (ytd only) | 3.5417% | 3,601 |
| Net charge-offs to loans | 0.0199% | 2,844 |
| Credit loss provision to net charge-offs | 1,666.6667% | 247 |
| Earnings coverage of net charge-offs (x) | 131.5556% | 542 |
| Efficiency ratio | 65.9182% | 3,367 |
| Assets per employee ($millions) | 3.8046% | 4,271 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 847 |
| Loan loss allowance to noncurrent loans | 168.3402% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 1,850 |
| Noncurrent loans to loans | 1.0820% | 1,814 |
| Net loans and leases to total assets | 64.6574% | 3,294 |
| Net loans and leases to deposits | 88.3610% | 1,942 |
| Net loans and leases to core deposits | 88.8396% | 2,631 |
| Total domestic deposits to total assets | 73.1742% | 5,373 |
| Equity capital to assets | 13.8860% | 1,005 |
| Core capital (leverage) ratio | 12.5519% | 1,346 |
| Tier 1 risk-based capital ratio | 18.2978% | 1,775 |
| Total risk-based capital ratio | 19.5541% | 1,730 |
| Memoranda: | ||
| Average total assets | $138,734,330 | 3,685 |
| Average earning assets | $127,826,670 | 3,673 |
| Average equity | $18,635,330 | 3,313 |
| Average total loans | $90,676,330 | 3,564 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 502 |
| Cost of funding earning assets | 0.2799% | 4,262 |
| Net interest margin | 4.7453% | 347 |
| Noninterest income to average assets | 0.5615% | 2,600 |
| Noninterest expense to average assets | 3.2116% | 1,577 |
| Loan and lease loss provision to assets | 0.2149% | 751 |
| Net operating income to assets | 1.4411% | 909 |
| Return on assets (ROA) | 1.4411% | 937 |
| Pretax return on assets | 1.5070% | 1,512 |
| Return on Equity (ROE) | 10.9090% | 1,601 |
| Retained earnings to average equity (ytd only) | 3.3182% | 3,779 |
| Net charge-offs to loans | -0.0572% | 5,246 |
| Credit loss provision to net charge-offs | -576.9231% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0987% | 3,649 |
| Assets per employee ($millions) | 3.8768% | 4,218 |
| Cash dividends to net income (ytd only)* | 69.5825% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 1,025 |
| Loan loss allowance to noncurrent loans | 111.4226% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 1,780 |
| Noncurrent loans to loans | 1.5819% | 1,232 |
| Net loans and leases to total assets | 63.4970% | 3,333 |
| Net loans and leases to deposits | 82.9385% | 2,402 |
| Net loans and leases to core deposits | 83.3590% | 2,959 |
| Total domestic deposits to total assets | 76.5591% | 5,167 |
| Equity capital to assets | 13.3365% | 1,135 |
| Core capital (leverage) ratio | 12.3339% | 1,427 |
| Tier 1 risk-based capital ratio | 17.9732% | 1,886 |
| Total risk-based capital ratio | 19.2285% | 1,841 |
| Memoranda: | ||
| Average total assets | $139,619,000 | 3,699 |
| Average earning assets | $128,632,500 | 3,693 |
| Average equity | $18,443,500 | 3,353 |
| Average total loans | $90,914,000 | 3,578 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 474 |
| Cost of funding earning assets | 0.2790% | 4,263 |
| Net interest margin | 4.8497% | 316 |
| Noninterest income to average assets | 0.6340% | 2,481 |
| Noninterest expense to average assets | 3.5537% | 1,078 |
| Loan and lease loss provision to assets | 0.2135% | 1,052 |
| Net operating income to assets | 1.2895% | 1,236 |
| Return on assets (ROA) | 1.2908% | 1,307 |
| Pretax return on assets | 1.3463% | 2,111 |
| Return on Equity (ROE) | 9.5462% | 2,169 |
| Retained earnings to average equity (ytd only) | 2.0208% | 4,389 |
| Net charge-offs to loans | 0.4272% | 602 |
| Credit loss provision to net charge-offs | 77.1208% | 3,019 |
| Earnings coverage of net charge-offs (x) | 5.6298% | 3,309 |
| Efficiency ratio | 69.5156% | 2,992 |
| Assets per employee ($millions) | 3.8798% | 4,174 |
| Cash dividends to net income (ytd only)* | 78.8313% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 1,285 |
| Loan loss allowance to noncurrent loans | 175.4673% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,746 |
| Noncurrent loans to loans | 0.9343% | 2,219 |
| Net loans and leases to total assets | 64.5195% | 3,284 |
| Net loans and leases to deposits | 88.4115% | 1,872 |
| Net loans and leases to core deposits | 89.5137% | 2,549 |
| Total domestic deposits to total assets | 72.9764% | 5,499 |
| Equity capital to assets | 13.0833% | 1,223 |
| Core capital (leverage) ratio | 11.9085% | 1,661 |
| Tier 1 risk-based capital ratio | 16.5821% | 2,315 |
| Total risk-based capital ratio | 17.8343% | 2,255 |
| Memoranda: | ||
| Average total assets | $140,529,000 | 3,664 |
| Average earning assets | $129,761,000 | 3,649 |
| Average equity | $19,002,400 | 3,270 |
| Average total loans | $91,060,200 | 3,555 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 466 |
| Cost of funding earning assets | 0.2728% | 4,359 |
| Net interest margin | 4.8640% | 324 |
| Noninterest income to average assets | 0.6167% | 2,582 |
| Noninterest expense to average assets | 3.4104% | 1,325 |
| Loan and lease loss provision to assets | 0.2131% | 984 |
| Net operating income to assets | 1.4277% | 1,009 |
| Return on assets (ROA) | 1.4286% | 1,059 |
| Pretax return on assets | 1.4873% | 1,748 |
| Return on Equity (ROE) | 10.4804% | 1,878 |
| Retained earnings to average equity (ytd only) | 2.6966% | 4,283 |
| Net charge-offs to loans | -0.0132% | 4,873 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7408% | 3,463 |
| Assets per employee ($millions) | 3.9648% | 4,025 |
| Cash dividends to net income (ytd only)* | 74.2706% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 742 |
| Loan loss allowance to noncurrent loans | 197.7248% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 2,951 |
| Noncurrent loans to loans | 1.0041% | 2,237 |
| Net loans and leases to total assets | 63.1235% | 3,505 |
| Net loans and leases to deposits | 88.3972% | 1,962 |
| Net loans and leases to core deposits | 88.6163% | 2,700 |
| Total domestic deposits to total assets | 71.4089% | 5,623 |
| Equity capital to assets | 13.6801% | 1,169 |
| Core capital (leverage) ratio | 11.8610% | 1,776 |
| Tier 1 risk-based capital ratio | 16.3363% | 2,476 |
| Total risk-based capital ratio | 17.5946% | 2,430 |
| Memoranda: | ||
| Average total assets | $140,742,750 | 3,683 |
| Average earning assets | $130,013,250 | 3,671 |
| Average equity | $19,184,500 | 3,269 |
| Average total loans | $90,920,500 | 3,576 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 500 |
| Cost of funding earning assets | 0.2635% | 4,513 |
| Net interest margin | 4.8285% | 351 |
| Noninterest income to average assets | 0.6311% | 2,460 |
| Noninterest expense to average assets | 3.4295% | 1,316 |
| Loan and lease loss provision to assets | 0.2142% | 989 |
| Net operating income to assets | 1.4007% | 1,055 |
| Return on assets (ROA) | 1.4021% | 1,115 |
| Pretax return on assets | 1.4635% | 1,797 |
| Return on Equity (ROE) | 10.2985% | 1,924 |
| Retained earnings to average equity (ytd only) | 1.8038% | 4,649 |
| Net charge-offs to loans | -0.0132% | 4,787 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1700% | 3,509 |
| Assets per employee ($millions) | 4.1292% | 3,690 |
| Cash dividends to net income (ytd only)* | 82.4847% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 882 |
| Loan loss allowance to noncurrent loans | 1,493.1624% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,193 |
| Noncurrent loans to loans | 0.1278% | 4,926 |
| Net loans and leases to total assets | 63.9666% | 3,366 |
| Net loans and leases to deposits | 87.9225% | 2,009 |
| Net loans and leases to core deposits | 89.3039% | 2,604 |
| Total domestic deposits to total assets | 72.7534% | 5,620 |
| Equity capital to assets | 13.8163% | 1,085 |
| Core capital (leverage) ratio | 11.8133% | 1,757 |
| Tier 1 risk-based capital ratio | 16.3313% | 2,491 |
| Total risk-based capital ratio | 17.5872% | 2,433 |
| Memoranda: | ||
| Average total assets | $140,079,330 | 3,718 |
| Average earning assets | $129,813,670 | 3,696 |
| Average equity | $19,070,670 | 3,289 |
| Average total loans | $90,586,330 | 3,593 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 555 |
| Cost of funding earning assets | 0.2476% | 4,735 |
| Net interest margin | 4.7726% | 378 |
| Noninterest income to average assets | 0.6461% | 2,286 |
| Noninterest expense to average assets | 3.4476% | 1,284 |
| Loan and lease loss provision to assets | 0.2144% | 902 |
| Net operating income to assets | 1.3922% | 1,051 |
| Return on assets (ROA) | 1.3951% | 1,103 |
| Pretax return on assets | 1.3951% | 1,919 |
| Return on Equity (ROE) | 10.3239% | 1,844 |
| Retained earnings to average equity (ytd only) | -0.2539% | 5,155 |
| Net charge-offs to loans | -0.0178% | 4,799 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2127% | 3,429 |
| Assets per employee ($millions) | 4.1062% | 3,756 |
| Cash dividends to net income (ytd only)* | 102.4590% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 1,032 |
| Loan loss allowance to noncurrent loans | 1,063.6943% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 5,126 |
| Noncurrent loans to loans | 0.1748% | 4,785 |
| Net loans and leases to total assets | 63.1240% | 3,368 |
| Net loans and leases to deposits | 82.1147% | 2,531 |
| Net loans and leases to core deposits | 83.0942% | 3,030 |
| Total domestic deposits to total assets | 76.8729% | 5,306 |
| Equity capital to assets | 13.6200% | 1,130 |
| Core capital (leverage) ratio | 11.9051% | 1,674 |
| Tier 1 risk-based capital ratio | 16.3008% | 2,558 |
| Total risk-based capital ratio | 17.5554% | 2,512 |
| Memoranda: | ||
| Average total assets | $139,923,000 | 3,746 |
| Average earning assets | $129,239,000 | 3,728 |
| Average equity | $18,907,500 | 3,313 |
| Average total loans | $90,104,000 | 3,617 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 475 |
| Cost of funding earning assets | 0.2571% | 4,715 |
| Net interest margin | 4.8881% | 308 |
| Noninterest income to average assets | 0.6072% | 2,684 |
| Noninterest expense to average assets | 3.5605% | 1,190 |
| Loan and lease loss provision to assets | 0.1295% | 1,855 |
| Net operating income to assets | 1.3761% | 1,084 |
| Return on assets (ROA) | 1.3893% | 1,097 |
| Pretax return on assets | 1.4454% | 1,742 |
| Return on Equity (ROE) | 10.6281% | 1,742 |
| Retained earnings to average equity (ytd only) | 7.1331% | 1,222 |
| Net charge-offs to loans | -0.0012% | 4,843 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3356% | 3,336 |
| Assets per employee ($millions) | 4.1246% | 3,708 |
| Cash dividends to net income (ytd only)* | 32.8845% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 1,215 |
| Loan loss allowance to noncurrent loans | 609.5785% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 4,862 |
| Noncurrent loans to loans | 0.2887% | 4,429 |
| Net loans and leases to total assets | 63.3358% | 3,370 |
| Net loans and leases to deposits | 81.2186% | 2,687 |
| Net loans and leases to core deposits | 82.1683% | 3,130 |
| Total domestic deposits to total assets | 77.9820% | 5,170 |
| Equity capital to assets | 13.4061% | 1,163 |
| Core capital (leverage) ratio | 11.8712% | 1,707 |
| Tier 1 risk-based capital ratio | 16.2505% | 2,583 |
| Total risk-based capital ratio | 17.5044% | 2,541 |
| Memoranda: | ||
| Average total assets | $138,995,800 | 3,738 |
| Average earning assets | $128,373,400 | 3,735 |
| Average equity | $18,168,800 | 3,359 |
| Average total loans | $86,868,200 | 3,654 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 501 |
| Cost of funding earning assets | 0.2529% | 4,849 |
| Net interest margin | 4.8658% | 330 |
| Noninterest income to average assets | 0.5759% | 2,872 |
| Noninterest expense to average assets | 3.4158% | 1,446 |
| Loan and lease loss provision to assets | 0.1298% | 1,737 |
| Net operating income to assets | 1.4678% | 972 |
| Return on assets (ROA) | 1.4844% | 975 |
| Pretax return on assets | 1.5430% | 1,562 |
| Return on Equity (ROE) | 11.4298% | 1,563 |
| Retained earnings to average equity (ytd only) | 6.7291% | 1,820 |
| Net charge-offs to loans | -0.1039% | 5,799 |
| Credit loss provision to net charge-offs | -201.4925% | 5,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1090% | 3,687 |
| Assets per employee ($millions) | 4.0892% | 3,721 |
| Cash dividends to net income (ytd only)* | 41.1271% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 1,229 |
| Loan loss allowance to noncurrent loans | 233.6232% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 3,821 |
| Noncurrent loans to loans | 0.7789% | 3,015 |
| Net loans and leases to total assets | 62.5545% | 3,530 |
| Net loans and leases to deposits | 76.7843% | 3,221 |
| Net loans and leases to core deposits | 77.6466% | 3,640 |
| Total domestic deposits to total assets | 81.4678% | 4,343 |
| Equity capital to assets | 13.1968% | 1,351 |
| Core capital (leverage) ratio | 11.7219% | 1,871 |
| Tier 1 risk-based capital ratio | 16.7294% | 2,466 |
| Total risk-based capital ratio | 17.9847% | 2,420 |
| Memoranda: | ||
| Average total assets | $138,686,000 | 3,777 |
| Average earning assets | $128,129,750 | 3,770 |
| Average equity | $18,011,000 | 3,411 |
| Average total loans | $85,982,750 | 3,714 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 539 |
| Cost of funding earning assets | 0.2563% | 4,878 |
| Net interest margin | 4.8124% | 351 |
| Noninterest income to average assets | 0.5470% | 3,058 |
| Noninterest expense to average assets | 3.4943% | 1,306 |
| Loan and lease loss provision to assets | 0.1299% | 1,704 |
| Net operating income to assets | 1.3184% | 1,265 |
| Return on assets (ROA) | 1.3336% | 1,280 |
| Pretax return on assets | 1.3827% | 2,056 |
| Return on Equity (ROE) | 10.3248% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.3467% | 3,250 |
| Net charge-offs to loans | -0.1668% | 5,967 |
| Credit loss provision to net charge-offs | -126.7606% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7513% | 3,369 |
| Assets per employee ($millions) | 4.0555% | 3,770 |
| Cash dividends to net income (ytd only)* | 57.9004% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 1,371 |
| Loan loss allowance to noncurrent loans | 215.7967% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 3,805 |
| Noncurrent loans to loans | 0.8348% | 3,035 |
| Net loans and leases to total assets | 62.1048% | 3,532 |
| Net loans and leases to deposits | 76.1505% | 3,252 |
| Net loans and leases to core deposits | 77.0120% | 3,664 |
| Total domestic deposits to total assets | 81.5553% | 4,432 |
| Equity capital to assets | 12.8046% | 1,490 |
| Core capital (leverage) ratio | 11.4975% | 1,992 |
| Tier 1 risk-based capital ratio | 16.4686% | 2,623 |
| Total risk-based capital ratio | 17.7236% | 2,577 |
| Memoranda: | ||
| Average total assets | $138,570,000 | 3,809 |
| Average earning assets | $127,961,330 | 3,799 |
| Average equity | $17,898,670 | 3,434 |
| Average total loans | $85,115,670 | 3,746 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 532 |
| Cost of funding earning assets | 0.2501% | 5,023 |
| Net interest margin | 4.7960% | 355 |
| Noninterest income to average assets | 0.5471% | 2,970 |
| Noninterest expense to average assets | 3.7636% | 920 |
| Loan and lease loss provision to assets | 0.1296% | 1,601 |
| Net operating income to assets | 1.0309% | 2,120 |
| Return on assets (ROA) | 1.0309% | 2,267 |
| Pretax return on assets | 1.0712% | 3,212 |
| Return on Equity (ROE) | 7.9467% | 2,983 |
| Retained earnings to average equity (ytd only) | 2.9523% | 4,203 |
| Net charge-offs to loans | 0.0714% | 2,012 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,195 |
| Efficiency ratio | 75.5220% | 2,580 |
| Assets per employee ($millions) | 4.1239% | 3,715 |
| Cash dividends to net income (ytd only)* | 62.8492% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 1,736 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 3,416 |
| Noncurrent loans to loans | 1.1057% | 2,558 |
| Net loans and leases to total assets | 59.3483% | 3,752 |
| Net loans and leases to deposits | 71.3371% | 3,611 |
| Net loans and leases to core deposits | 72.1104% | 3,950 |
| Total domestic deposits to total assets | 83.1941% | 4,121 |
| Equity capital to assets | 13.0074% | 1,400 |
| Core capital (leverage) ratio | 11.3195% | 2,139 |
| Tier 1 risk-based capital ratio | 25.4667% | 839 |
| Total risk-based capital ratio | 25.4667% | 957 |
| Memoranda: | ||
| Average total assets | $138,911,000 | 3,827 |
| Average earning assets | $127,939,500 | 3,832 |
| Average equity | $18,020,000 | 3,441 |
| Average total loans | $84,070,500 | 3,796 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 548 |
| Cost of funding earning assets | 0.3032% | 4,759 |
| Net interest margin | 4.8666% | 379 |
| Noninterest income to average assets | 0.6438% | 2,595 |
| Noninterest expense to average assets | 3.8440% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1600% | 1,718 |
| Return on assets (ROA) | 1.1842% | 1,707 |
| Pretax return on assets | 1.2439% | 2,470 |
| Return on Equity (ROE) | 9.6099% | 2,296 |
| Retained earnings to average equity (ytd only) | 4.2317% | 3,176 |
| Net charge-offs to loans | 0.0384% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 53.9677% | 868 |
| Efficiency ratio | 75.6582% | 2,566 |
| Assets per employee ($millions) | 4.0473% | 3,838 |
| Cash dividends to net income (ytd only)* | 55.9656% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 1,802 |
| Loan loss allowance to noncurrent loans | 220.3125% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 4,119 |
| Noncurrent loans to loans | 0.7666% | 3,400 |
| Net loans and leases to total assets | 59.6451% | 3,833 |
| Net loans and leases to deposits | 74.3653% | 3,388 |
| Net loans and leases to core deposits | 75.3975% | 3,777 |
| Total domestic deposits to total assets | 80.2055% | 4,967 |
| Equity capital to assets | 12.9367% | 1,400 |
| Core capital (leverage) ratio | 11.0985% | 2,315 |
| Tier 1 risk-based capital ratio | 16.1972% | 2,860 |
| Total risk-based capital ratio | 17.4501% | 2,800 |
| Memoranda: | ||
| Average total assets | $137,306,000 | 3,855 |
| Average earning assets | $124,665,800 | 3,868 |
| Average equity | $16,920,000 | 3,536 |
| Average total loans | $80,757,400 | 3,855 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 574 |
| Cost of funding earning assets | 0.3084% | 4,799 |
| Net interest margin | 4.8447% | 385 |
| Noninterest income to average assets | 0.6247% | 2,716 |
| Noninterest expense to average assets | 3.6075% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3269% | 1,293 |
| Return on assets (ROA) | 1.3592% | 1,268 |
| Pretax return on assets | 1.4311% | 1,884 |
| Return on Equity (ROE) | 11.1697% | 1,731 |
| Retained earnings to average equity (ytd only) | 5.8923% | 2,470 |
| Net charge-offs to loans | 0.0283% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 84.5739% | 666 |
| Efficiency ratio | 71.8113% | 3,221 |
| Assets per employee ($millions) | 4.1548% | 3,556 |
| Cash dividends to net income (ytd only)* | 47.2479% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 1,917 |
| Loan loss allowance to noncurrent loans | 176.6749% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 3,948 |
| Noncurrent loans to loans | 0.9721% | 3,133 |
| Net loans and leases to total assets | 59.4353% | 3,878 |
| Net loans and leases to deposits | 73.6613% | 3,474 |
| Net loans and leases to core deposits | 74.9058% | 3,855 |
| Total domestic deposits to total assets | 80.6873% | 4,921 |
| Equity capital to assets | 12.8513% | 1,503 |
| Core capital (leverage) ratio | 11.2394% | 2,273 |
| Tier 1 risk-based capital ratio | 16.3119% | 2,897 |
| Total risk-based capital ratio | 17.5658% | 2,848 |
| Memoranda: | ||
| Average total assets | $137,230,250 | 3,878 |
| Average earning assets | $124,063,000 | 3,910 |
| Average equity | $16,699,500 | 3,592 |
| Average total loans | $80,075,000 | 3,900 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 552 |
| Cost of funding earning assets | 0.3249% | 4,706 |
| Net interest margin | 4.8276% | 395 |
| Noninterest income to average assets | 0.6032% | 2,800 |
| Noninterest expense to average assets | 3.5856% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2795% | 1,368 |
| Return on assets (ROA) | 1.2850% | 1,408 |
| Pretax return on assets | 1.3535% | 2,071 |
| Return on Equity (ROE) | 10.7609% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.7587% | 2,477 |
| Net charge-offs to loans | 0.1542% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.1639% | 1,866 |
| Efficiency ratio | 72.4158% | 3,262 |
| Assets per employee ($millions) | 3.9359% | 3,980 |
| Cash dividends to net income (ytd only)* | 46.4853% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 2,069 |
| Loan loss allowance to noncurrent loans | 172.2846% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 4,061 |
| Noncurrent loans to loans | 0.9999% | 3,235 |
| Net loans and leases to total assets | 58.8334% | 3,886 |
| Net loans and leases to deposits | 72.0112% | 3,567 |
| Net loans and leases to core deposits | 73.4173% | 3,896 |
| Total domestic deposits to total assets | 81.7003% | 4,748 |
| Equity capital to assets | 12.8790% | 1,439 |
| Core capital (leverage) ratio | 11.0136% | 2,417 |
| Tier 1 risk-based capital ratio | 16.3440% | 2,910 |
| Total risk-based capital ratio | 17.5970% | 2,860 |
| Memoranda: | ||
| Average total assets | $137,271,330 | 3,902 |
| Average earning assets | $123,125,670 | 3,949 |
| Average equity | $16,392,670 | 3,638 |
| Average total loans | $79,128,670 | 3,937 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 505 |
| Cost of funding earning assets | 0.3420% | 4,625 |
| Net interest margin | 4.8405% | 357 |
| Noninterest income to average assets | 0.6446% | 2,490 |
| Noninterest expense to average assets | 3.5397% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3173% | 1,171 |
| Return on assets (ROA) | 1.3036% | 1,247 |
| Pretax return on assets | 1.3669% | 1,863 |
| Return on Equity (ROE) | 11.3452% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.9624% | 2,067 |
| Net charge-offs to loans | 0.1984% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 1,725 |
| Efficiency ratio | 71.6374% | 3,552 |
| Assets per employee ($millions) | 4.0905% | 3,736 |
| Cash dividends to net income (ytd only)* | 38.6313% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 2,070 |
| Loan loss allowance to noncurrent loans | 174.5953% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 3,791 |
| Noncurrent loans to loans | 1.0246% | 3,377 |
| Net loans and leases to total assets | 55.3445% | 4,232 |
| Net loans and leases to deposits | 67.6106% | 3,899 |
| Net loans and leases to core deposits | 69.0332% | 4,200 |
| Total domestic deposits to total assets | 81.8577% | 4,982 |
| Equity capital to assets | 11.8106% | 2,005 |
| Core capital (leverage) ratio | 10.8076% | 2,589 |
| Tier 1 risk-based capital ratio | 15.8044% | 3,265 |
| Total risk-based capital ratio | 17.0570% | 3,228 |
| Memoranda: | ||
| Average total assets | $138,996,000 | 3,894 |
| Average earning assets | $122,797,000 | 3,985 |
| Average equity | $15,971,500 | 3,703 |
| Average total loans | $78,637,000 | 3,982 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1490% | 712 |
| Cost of funding earning assets | 0.4149% | 4,483 |
| Net interest margin | 4.7341% | 486 |
| Noninterest income to average assets | 0.5719% | 3,263 |
| Noninterest expense to average assets | 3.3391% | 2,024 |
| Loan and lease loss provision to assets | 0.2519% | 1,434 |
| Net operating income to assets | 1.1347% | 1,815 |
| Return on assets (ROA) | 1.1511% | 1,821 |
| Pretax return on assets | 1.2070% | 2,545 |
| Return on Equity (ROE) | 9.2745% | 2,423 |
| Retained earnings to average equity (ytd only) | -16.1205% | 6,631 |
| Net charge-offs to loans | 0.7209% | 899 |
| Credit loss provision to net charge-offs | 64.6409% | 3,437 |
| Earnings coverage of net charge-offs (x) | 3.6998% | 3,779 |
| Efficiency ratio | 69.5587% | 3,910 |
| Assets per employee ($millions) | 4.0857% | 3,683 |
| Cash dividends to net income (ytd only)* | 273.8155% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 1,987 |
| Loan loss allowance to noncurrent loans | 197.9396% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 4,108 |
| Noncurrent loans to loans | 0.9227% | 3,683 |
| Net loans and leases to total assets | 55.7604% | 4,350 |
| Net loans and leases to deposits | 67.0229% | 4,178 |
| Net loans and leases to core deposits | 68.4073% | 4,462 |
| Total domestic deposits to total assets | 83.1961% | 4,474 |
| Equity capital to assets | 11.1702% | 2,459 |
| Core capital (leverage) ratio | 10.6567% | 2,726 |
| Tier 1 risk-based capital ratio | 15.4486% | 3,408 |
| Total risk-based capital ratio | 16.6435% | 3,384 |
| Memoranda: | ||
| Average total assets | $139,349,600 | 3,886 |
| Average earning assets | $123,888,800 | 3,974 |
| Average equity | $17,294,800 | 3,519 |
| Average total loans | $75,323,600 | 4,085 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 767 |
| Cost of funding earning assets | 0.4349% | 4,453 |
| Net interest margin | 4.6699% | 542 |
| Noninterest income to average assets | 0.6530% | 2,870 |
| Noninterest expense to average assets | 3.2104% | 2,334 |
| Loan and lease loss provision to assets | 0.3356% | 977 |
| Net operating income to assets | 1.2009% | 1,635 |
| Return on assets (ROA) | 1.2218% | 1,631 |
| Pretax return on assets | 1.2868% | 2,376 |
| Return on Equity (ROE) | 9.6056% | 2,354 |
| Retained earnings to average equity (ytd only) | -21.5261% | 6,767 |
| Net charge-offs to loans | 1.1716% | 469 |
| Credit loss provision to net charge-offs | 53.6697% | 3,423 |
| Earnings coverage of net charge-offs (x) | 2.5596% | 3,981 |
| Efficiency ratio | 66.4547% | 4,406 |
| Assets per employee ($millions) | 4.0793% | 3,679 |
| Cash dividends to net income (ytd only)* | 324.0997% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 2,516 |
| Loan loss allowance to noncurrent loans | 314.4208% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 4,478 |
| Noncurrent loans to loans | 0.5505% | 4,823 |
| Net loans and leases to total assets | 56.0891% | 4,312 |
| Net loans and leases to deposits | 65.7540% | 4,337 |
| Net loans and leases to core deposits | 67.1170% | 4,610 |
| Total domestic deposits to total assets | 85.3014% | 3,584 |
| Equity capital to assets | 11.6091% | 2,209 |
| Core capital (leverage) ratio | 10.6755% | 2,811 |
| Tier 1 risk-based capital ratio | 15.7992% | 3,301 |
| Total risk-based capital ratio | 17.0522% | 3,254 |
| Memoranda: | ||
| Average total assets | $139,458,500 | 3,924 |
| Average earning assets | $124,167,500 | 3,998 |
| Average equity | $17,739,250 | 3,497 |
| Average total loans | $74,429,500 | 4,132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 810 |
| Cost of funding earning assets | 0.4630% | 4,278 |
| Net interest margin | 4.6123% | 585 |
| Noninterest income to average assets | 0.6507% | 2,910 |
| Noninterest expense to average assets | 3.1544% | 2,501 |
| Loan and lease loss provision to assets | 0.4976% | 549 |
| Net operating income to assets | 1.0408% | 2,146 |
| Return on assets (ROA) | 1.0718% | 2,144 |
| Pretax return on assets | 1.1271% | 2,986 |
| Return on Equity (ROE) | 8.1982% | 2,990 |
| Retained earnings to average equity (ytd only) | -34.0075% | 6,862 |
| Net charge-offs to loans | 1.6950% | 287 |
| Credit loss provision to net charge-offs | 56.2500% | 3,093 |
| Earnings coverage of net charge-offs (x) | 1.7997% | 3,930 |
| Efficiency ratio | 66.1888% | 4,519 |
| Assets per employee ($millions) | 3.9769% | 3,859 |
| Cash dividends to net income (ytd only)* | 514.8148% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 2,285 |
| Loan loss allowance to noncurrent loans | 156.1424% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 4,493 |
| Noncurrent loans to loans | 1.1795% | 3,587 |
| Net loans and leases to total assets | 53.6054% | 4,646 |
| Net loans and leases to deposits | 61.3994% | 4,813 |
| Net loans and leases to core deposits | 62.6324% | 5,045 |
| Total domestic deposits to total assets | 87.3060% | 2,656 |
| Equity capital to assets | 11.7932% | 2,060 |
| Core capital (leverage) ratio | 10.2166% | 3,204 |
| Tier 1 risk-based capital ratio | 16.0465% | 3,162 |
| Total risk-based capital ratio | 17.2359% | 3,144 |
| Memoranda: | ||
| Average total assets | $141,072,000 | 3,926 |
| Average earning assets | $125,272,670 | 4,006 |
| Average equity | $18,443,000 | 3,403 |
| Average total loans | $73,627,330 | 4,186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 786 |
| Cost of funding earning assets | 0.5070% | 4,013 |
| Net interest margin | 4.5664% | 595 |
| Noninterest income to average assets | 0.6889% | 2,658 |
| Noninterest expense to average assets | 3.0805% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5583% | 759 |
| Return on assets (ROA) | 1.5583% | 828 |
| Pretax return on assets | 1.6361% | 1,224 |
| Return on Equity (ROE) | 11.3958% | 1,592 |
| Retained earnings to average equity (ytd only) | -59.7009% | 6,974 |
| Net charge-offs to loans | 2.0729% | 221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.5459% | 3,316 |
| Efficiency ratio | 65.0177% | 4,818 |
| Assets per employee ($millions) | 4.1558% | 3,619 |
| Cash dividends to net income (ytd only)* | 623.8859% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 2,925 |
| Loan loss allowance to noncurrent loans | 135.0593% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 4,679 |
| Noncurrent loans to loans | 1.2739% | 3,645 |
| Net loans and leases to total assets | 50.6129% | 4,907 |
| Net loans and leases to deposits | 58.6772% | 4,950 |
| Net loans and leases to core deposits | 59.8143% | 5,167 |
| Total domestic deposits to total assets | 86.2565% | 3,383 |
| Equity capital to assets | 12.7675% | 1,551 |
| Core capital (leverage) ratio | 9.9053% | 3,525 |
| Tier 1 risk-based capital ratio | 16.0376% | 3,239 |
| Total risk-based capital ratio | 17.2935% | 3,200 |
| Memoranda: | ||
| Average total assets | $144,001,000 | 3,911 |
| Average earning assets | $127,014,000 | 4,000 |
| Average equity | $19,691,500 | 3,282 |
| Average total loans | $73,520,000 | 4,215 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4630% | 670 |
| Cost of funding earning assets | 0.6689% | 3,747 |
| Net interest margin | 4.7941% | 543 |
| Noninterest income to average assets | 0.6296% | 3,113 |
| Noninterest expense to average assets | 3.0543% | 3,079 |
| Loan and lease loss provision to assets | 0.1375% | 3,901 |
| Net operating income to assets | 1.6281% | 720 |
| Return on assets (ROA) | 1.7567% | 616 |
| Pretax return on assets | 1.8440% | 847 |
| Return on Equity (ROE) | 12.6584% | 1,320 |
| Retained earnings to average equity (ytd only) | 6.1014% | 2,017 |
| Net charge-offs to loans | 0.3332% | 2,971 |
| Credit loss provision to net charge-offs | 79.6813% | 3,845 |
| Earnings coverage of net charge-offs (x) | 10.7012% | 2,117 |
| Efficiency ratio | 62.0617% | 5,227 |
| Assets per employee ($millions) | 4.4456% | 3,061 |
| Cash dividends to net income (ytd only)* | 51.7997% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1986% | 1,554 |
| Loan loss allowance to noncurrent loans | 131.9063% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 4,314 |
| Noncurrent loans to loans | 1.6668% | 3,125 |
| Net loans and leases to total assets | 49.5147% | 5,235 |
| Net loans and leases to deposits | 59.0371% | 5,123 |
| Net loans and leases to core deposits | 60.2665% | 5,341 |
| Total domestic deposits to total assets | 83.8705% | 4,377 |
| Equity capital to assets | 14.5481% | 857 |
| Core capital (leverage) ratio | 11.7046% | 1,730 |
| Tier 1 risk-based capital ratio | 18.9927% | 1,960 |
| Total risk-based capital ratio | 20.2493% | 1,929 |
| Memoranda: | ||
| Average total assets | $145,497,800 | 3,851 |
| Average earning assets | $129,616,400 | 3,909 |
| Average equity | $20,192,200 | 3,184 |
| Average total loans | $75,330,000 | 4,168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 777 |
| Cost of funding earning assets | 0.7019% | 3,755 |
| Net interest margin | 4.7315% | 626 |
| Noninterest income to average assets | 0.6107% | 3,208 |
| Noninterest expense to average assets | 3.0019% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7519% | 628 |
| Return on assets (ROA) | 1.9238% | 499 |
| Pretax return on assets | 2.0239% | 671 |
| Return on Equity (ROE) | 14.0333% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.4937% | 1,411 |
| Net charge-offs to loans | 0.5044% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.0175% | 2,677 |
| Efficiency ratio | 61.6945% | 5,203 |
| Assets per employee ($millions) | 4.4873% | 2,935 |
| Cash dividends to net income (ytd only)* | 39.4750% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 2,690 |
| Loan loss allowance to noncurrent loans | 166.2307% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 5,193 |
| Noncurrent loans to loans | 1.1044% | 4,213 |
| Net loans and leases to total assets | 50.4808% | 5,254 |
| Net loans and leases to deposits | 63.0827% | 4,830 |
| Net loans and leases to core deposits | 64.4422% | 5,103 |
| Total domestic deposits to total assets | 80.0232% | 5,647 |
| Equity capital to assets | 14.3096% | 1,037 |
| Core capital (leverage) ratio | 11.7331% | 1,821 |
| Tier 1 risk-based capital ratio | 18.6982% | 2,103 |
| Total risk-based capital ratio | 19.9516% | 2,067 |
| Memoranda: | ||
| Average total assets | $145,195,750 | 3,897 |
| Average earning assets | $129,934,000 | 3,938 |
| Average equity | $19,904,500 | 3,252 |
| Average total loans | $75,594,000 | 4,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5039% | 718 |
| Cost of funding earning assets | 0.7593% | 3,524 |
| Net interest margin | 4.7446% | 617 |
| Noninterest income to average assets | 0.6018% | 3,249 |
| Noninterest expense to average assets | 2.9979% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7565% | 607 |
| Return on assets (ROA) | 1.8026% | 628 |
| Pretax return on assets | 1.8983% | 849 |
| Return on Equity (ROE) | 13.3498% | 1,265 |
| Retained earnings to average equity (ytd only) | 6.3257% | 2,489 |
| Net charge-offs to loans | -0.0690% | 6,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5847% | 5,313 |
| Assets per employee ($millions) | 4.1797% | 3,500 |
| Cash dividends to net income (ytd only)* | 52.6154% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,651 |
| Loan loss allowance to noncurrent loans | 228.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 5,402 |
| Noncurrent loans to loans | 0.9926% | 4,516 |
| Net loans and leases to total assets | 50.4812% | 5,295 |
| Net loans and leases to deposits | 61.6216% | 5,051 |
| Net loans and leases to core deposits | 63.0716% | 5,293 |
| Total domestic deposits to total assets | 81.9213% | 5,161 |
| Equity capital to assets | 13.9656% | 1,108 |
| Core capital (leverage) ratio | 11.3566% | 2,006 |
| Tier 1 risk-based capital ratio | 18.3356% | 2,186 |
| Total risk-based capital ratio | 19.5935% | 2,147 |
| Memoranda: | ||
| Average total assets | $144,233,670 | 3,935 |
| Average earning assets | $129,072,670 | 3,977 |
| Average equity | $19,476,000 | 3,288 |
| Average total loans | $75,408,330 | 4,239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 694 |
| Cost of funding earning assets | 0.7675% | 3,716 |
| Net interest margin | 4.7837% | 584 |
| Noninterest income to average assets | 0.5698% | 3,428 |
| Noninterest expense to average assets | 3.0446% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7031% | 715 |
| Return on assets (ROA) | 1.7960% | 673 |
| Pretax return on assets | 1.8882% | 902 |
| Return on Equity (ROE) | 13.5376% | 1,287 |
| Retained earnings to average equity (ytd only) | 5.1161% | 3,489 |
| Net charge-offs to loans | -0.1593% | 6,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6805% | 5,154 |
| Assets per employee ($millions) | 4.2138% | 3,551 |
| Cash dividends to net income (ytd only)* | 62.2084% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2827% | 1,707 |
| Loan loss allowance to noncurrent loans | 1,045.1220% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 6,535 |
| Noncurrent loans to loans | 0.2184% | 6,250 |
| Net loans and leases to total assets | 49.7498% | 5,341 |
| Net loans and leases to deposits | 59.6326% | 5,196 |
| Net loans and leases to core deposits | 60.8669% | 5,447 |
| Total domestic deposits to total assets | 83.4271% | 4,743 |
| Equity capital to assets | 13.0328% | 1,426 |
| Core capital (leverage) ratio | 11.4040% | 1,958 |
| Tier 1 risk-based capital ratio | 17.8932% | 2,336 |
| Total risk-based capital ratio | 19.1515% | 2,305 |
| Memoranda: | ||
| Average total assets | $143,206,500 | 3,988 |
| Average earning assets | $127,683,000 | 4,021 |
| Average equity | $18,999,000 | 3,351 |
| Average total loans | $75,333,500 | 4,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 546 |
| Cost of funding earning assets | 1.1476% | 2,364 |
| Net interest margin | 4.7319% | 705 |
| Noninterest income to average assets | 0.6474% | 2,904 |
| Noninterest expense to average assets | 3.2250% | 2,779 |
| Loan and lease loss provision to assets | 0.0716% | 5,722 |
| Net operating income to assets | 1.6178% | 643 |
| Return on assets (ROA) | 1.5892% | 743 |
| Pretax return on assets | 1.6794% | 1,037 |
| Return on Equity (ROE) | 13.1027% | 1,139 |
| Retained earnings to average equity (ytd only) | 7.0503% | 1,483 |
| Net charge-offs to loans | 0.0039% | 6,391 |
| Credit loss provision to net charge-offs | 3,333.3333% | 68 |
| Earnings coverage of net charge-offs (x) | 829.0000% | 34 |
| Efficiency ratio | 63.0615% | 5,284 |
| Assets per employee ($millions) | 3.9695% | 3,922 |
| Cash dividends to net income (ytd only)* | 46.1920% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,749 |
| Loan loss allowance to noncurrent loans | 2,004.7619% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,700 |
| Noncurrent loans to loans | 0.1111% | 6,534 |
| Net loans and leases to total assets | 53.1897% | 5,140 |
| Net loans and leases to deposits | 64.9085% | 4,892 |
| Net loans and leases to core deposits | 66.2082% | 5,230 |
| Total domestic deposits to total assets | 81.9457% | 5,145 |
| Equity capital to assets | 13.5153% | 1,256 |
| Core capital (leverage) ratio | 11.3839% | 1,979 |
| Tier 1 risk-based capital ratio | 17.9241% | 2,222 |
| Total risk-based capital ratio | 19.1818% | 2,189 |
| Memoranda: | ||
| Average total assets | $139,629,800 | 3,983 |
| Average earning assets | $128,615,200 | 3,957 |
| Average equity | $16,935,400 | 3,589 |
| Average total loans | $76,595,200 | 4,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8871% | 575 |
| Cost of funding earning assets | 1.2548% | 1,967 |
| Net interest margin | 4.6323% | 890 |
| Noninterest income to average assets | 0.6743% | 2,743 |
| Noninterest expense to average assets | 3.1147% | 3,104 |
| Loan and lease loss provision to assets | 0.0477% | 5,848 |
| Net operating income to assets | 1.7186% | 599 |
| Return on assets (ROA) | 1.7929% | 573 |
| Pretax return on assets | 1.8854% | 810 |
| Return on Equity (ROE) | 15.2146% | 802 |
| Retained earnings to average equity (ytd only) | 12.9162% | 389 |
| Net charge-offs to loans | -0.4511% | 7,339 |
| Credit loss provision to net charge-offs | -19.2308% | 6,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9480% | 5,568 |
| Assets per employee ($millions) | 3.9748% | 3,904 |
| Cash dividends to net income (ytd only)* | 15.1065% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4676% | 1,442 |
| Loan loss allowance to noncurrent loans | 350.0000% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,671 |
| Noncurrent loans to loans | 0.7050% | 5,469 |
| Net loans and leases to total assets | 53.8949% | 5,177 |
| Net loans and leases to deposits | 66.2016% | 4,872 |
| Net loans and leases to core deposits | 67.8000% | 5,199 |
| Total domestic deposits to total assets | 81.4102% | 5,291 |
| Equity capital to assets | 13.8680% | 1,216 |
| Core capital (leverage) ratio | 11.7018% | 1,886 |
| Tier 1 risk-based capital ratio | 18.4900% | 2,092 |
| Total risk-based capital ratio | 19.7434% | 2,055 |
| Memoranda: | ||
| Average total assets | $139,804,500 | 4,000 |
| Average earning assets | $129,636,500 | 3,966 |
| Average equity | $16,475,000 | 3,666 |
| Average total loans | $76,848,750 | 4,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9647% | 509 |
| Cost of funding earning assets | 1.2129% | 2,488 |
| Net interest margin | 4.7518% | 655 |
| Noninterest income to average assets | 0.6313% | 2,942 |
| Noninterest expense to average assets | 3.0836% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8686% | 432 |
| Return on assets (ROA) | 1.8781% | 456 |
| Pretax return on assets | 1.9724% | 620 |
| Return on Equity (ROE) | 16.9288% | 558 |
| Retained earnings to average equity (ytd only) | 14.4957% | 279 |
| Net charge-offs to loans | -0.7444% | 7,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7037% | 6,073 |
| Assets per employee ($millions) | 4.2123% | 3,331 |
| Cash dividends to net income (ytd only)* | 14.3726% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4684% | 1,498 |
| Loan loss allowance to noncurrent loans | 281.6541% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 5,652 |
| Noncurrent loans to loans | 0.8764% | 5,206 |
| Net loans and leases to total assets | 51.6740% | 5,610 |
| Net loans and leases to deposits | 61.2773% | 5,580 |
| Net loans and leases to core deposits | 66.5824% | 5,435 |
| Total domestic deposits to total assets | 84.3282% | 4,206 |
| Equity capital to assets | 11.9782% | 2,106 |
| Core capital (leverage) ratio | 11.0963% | 2,174 |
| Tier 1 risk-based capital ratio | 17.7755% | 2,245 |
| Total risk-based capital ratio | 19.0355% | 2,199 |
| Memoranda: | ||
| Average total assets | $140,033,000 | 4,024 |
| Average earning assets | $130,098,670 | 3,980 |
| Average equity | $15,535,670 | 3,812 |
| Average total loans | $76,840,000 | 4,321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7951% | 744 |
| Cost of funding earning assets | 1.2585% | 2,443 |
| Net interest margin | 4.5366% | 991 |
| Noninterest income to average assets | 0.6963% | 2,602 |
| Noninterest expense to average assets | 3.2881% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5485% | 781 |
| Return on assets (ROA) | 1.5458% | 826 |
| Pretax return on assets | 1.6238% | 1,134 |
| Return on Equity (ROE) | 14.5321% | 902 |
| Retained earnings to average equity (ytd only) | 14.5321% | 432 |
| Net charge-offs to loans | -1.0347% | 7,488 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1987% | 5,651 |
| Assets per employee ($millions) | 4.1887% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3502% | 1,680 |
| Loan loss allowance to noncurrent loans | 88.3778% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6017% | 3,842 |
| Noncurrent loans to loans | 2.6592% | 2,832 |
| Net loans and leases to total assets | 52.1364% | 5,562 |
| Net loans and leases to deposits | 58.9571% | 5,833 |
| Net loans and leases to core deposits | 64.3180% | 5,692 |
| Total domestic deposits to total assets | 88.4310% | 2,120 |
| Equity capital to assets | 10.7201% | 2,965 |
| Core capital (leverage) ratio | 11.1441% | 2,078 |
| Tier 1 risk-based capital ratio | 17.2144% | 2,400 |
| Total risk-based capital ratio | 18.4743% | 2,374 |
| Memoranda: | ||
| Average total assets | $138,440,000 | 4,087 |
| Average earning assets | $128,729,500 | 4,053 |
| Average equity | $14,726,000 | 3,954 |
| Average total loans | $77,320,000 | 4,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0231% | 812 |
| Cost of funding earning assets | 1.2167% | 4,443 |
| Net interest margin | 4.8063% | 662 |
| Noninterest income to average assets | 0.7524% | 2,528 |
| Noninterest expense to average assets | 3.3247% | 2,656 |
| Loan and lease loss provision to assets | 0.9921% | 1,637 |
| Net operating income to assets | 0.7973% | 2,817 |
| Return on assets (ROA) | 1.0477% | 1,979 |
| Pretax return on assets | 1.1072% | 2,551 |
| Return on Equity (ROE) | 9.0158% | 2,282 |
| Retained earnings to average equity (ytd only) | 6.1061% | 1,761 |
| Net charge-offs to loans | 1.3185% | 1,697 |
| Credit loss provision to net charge-offs | 115.1013% | 3,765 |
| Earnings coverage of net charge-offs (x) | 2.1298% | 4,126 |
| Efficiency ratio | 64.1187% | 5,330 |
| Assets per employee ($millions) | 4.0747% | 3,628 |
| Cash dividends to net income (ytd only)* | 32.2727% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 2,258 |
| Loan loss allowance to noncurrent loans | 74.3326% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7804% | 3,645 |
| Noncurrent loans to loans | 2.7162% | 2,802 |
| Net loans and leases to total assets | 57.2759% | 5,142 |
| Net loans and leases to deposits | 64.9518% | 5,521 |
| Net loans and leases to core deposits | 71.4355% | 5,277 |
| Total domestic deposits to total assets | 88.1821% | 2,134 |
| Equity capital to assets | 10.5492% | 3,106 |
| Core capital (leverage) ratio | 11.4882% | 1,840 |
| Tier 1 risk-based capital ratio | 16.5226% | 2,512 |
| Total risk-based capital ratio | 17.7793% | 2,483 |
| Memoranda: | ||
| Average total assets | $125,995,800 | 4,353 |
| Average earning assets | $115,556,000 | 4,332 |
| Average equity | $14,641,000 | 4,006 |
| Average total loans | $82,367,800 | 4,265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1653% | 663 |
| Cost of funding earning assets | 1.2554% | 4,541 |
| Net interest margin | 4.9099% | 542 |
| Noninterest income to average assets | 0.7469% | 2,532 |
| Noninterest expense to average assets | 3.2224% | 2,846 |
| Loan and lease loss provision to assets | 1.2377% | 1,143 |
| Net operating income to assets | 0.7355% | 3,258 |
| Return on assets (ROA) | 0.7437% | 3,394 |
| Pretax return on assets | 0.7868% | 3,960 |
| Return on Equity (ROE) | 6.2441% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.3193% | 3,461 |
| Net charge-offs to loans | 0.8146% | 2,414 |
| Credit loss provision to net charge-offs | 225.9332% | 1,524 |
| Earnings coverage of net charge-offs (x) | 3.6798% | 3,339 |
| Efficiency ratio | 61.1876% | 5,759 |
| Assets per employee ($millions) | 3.7725% | 4,335 |
| Cash dividends to net income (ytd only)* | 30.8246% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5091% | 1,313 |
| Loan loss allowance to noncurrent loans | 90.4866% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 2.0258% | 3,434 |
| Noncurrent loans to loans | 2.7728% | 2,868 |
| Net loans and leases to total assets | 64.4192% | 4,036 |
| Net loans and leases to deposits | 74.9080% | 4,358 |
| Net loans and leases to core deposits | 76.8651% | 4,941 |
| Total domestic deposits to total assets | 85.9977% | 3,078 |
| Equity capital to assets | 12.5131% | 1,849 |
| Core capital (leverage) ratio | 11.6355% | 1,854 |
| Tier 1 risk-based capital ratio | 15.9195% | 2,801 |
| Total risk-based capital ratio | 17.1493% | 2,754 |
| Memoranda: | ||
| Average total assets | $123,878,500 | 4,458 |
| Average earning assets | $113,320,250 | 4,452 |
| Average equity | $14,755,000 | 4,045 |
| Average total loans | $83,309,000 | 4,309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1841% | 642 |
| Cost of funding earning assets | 1.2661% | 4,735 |
| Net interest margin | 4.9180% | 515 |
| Noninterest income to average assets | 0.7310% | 2,512 |
| Noninterest expense to average assets | 3.1890% | 2,941 |
| Loan and lease loss provision to assets | 1.1320% | 1,271 |
| Net operating income to assets | 0.8749% | 2,640 |
| Return on assets (ROA) | 0.8749% | 2,773 |
| Pretax return on assets | 0.9202% | 3,417 |
| Return on Equity (ROE) | 7.4720% | 3,122 |
| Retained earnings to average equity (ytd only) | 5.5108% | 2,602 |
| Net charge-offs to loans | 1.2432% | 1,536 |
| Credit loss provision to net charge-offs | 134.6154% | 2,978 |
| Earnings coverage of net charge-offs (x) | 2.4404% | 3,775 |
| Efficiency ratio | 60.5060% | 5,958 |
| Assets per employee ($millions) | 3.8660% | 4,061 |
| Cash dividends to net income (ytd only)* | 26.2477% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 2,318 |
| Loan loss allowance to noncurrent loans | 64.1200% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.0208% | 3,475 |
| Noncurrent loans to loans | 3.0292% | 2,657 |
| Net loans and leases to total assets | 65.4156% | 3,957 |
| Net loans and leases to deposits | 77.8212% | 4,009 |
| Net loans and leases to core deposits | 79.5312% | 4,736 |
| Total domestic deposits to total assets | 84.0589% | 4,082 |
| Equity capital to assets | 12.0538% | 2,071 |
| Core capital (leverage) ratio | 11.3856% | 1,979 |
| Tier 1 risk-based capital ratio | 15.3904% | 2,959 |
| Total risk-based capital ratio | 16.6462% | 2,922 |
| Memoranda: | ||
| Average total assets | $123,673,330 | 4,496 |
| Average earning assets | $113,419,670 | 4,463 |
| Average equity | $14,480,670 | 4,093 |
| Average total loans | $83,658,000 | 4,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1815% | 665 |
| Cost of funding earning assets | 1.2314% | 5,227 |
| Net interest margin | 4.9501% | 462 |
| Noninterest income to average assets | 0.7246% | 2,433 |
| Noninterest expense to average assets | 3.2187% | 2,786 |
| Loan and lease loss provision to assets | 0.9704% | 1,290 |
| Net operating income to assets | 1.0222% | 2,105 |
| Return on assets (ROA) | 1.0222% | 2,163 |
| Pretax return on assets | 1.0740% | 2,826 |
| Return on Equity (ROE) | 8.8608% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.8608% | 1,438 |
| Net charge-offs to loans | 0.0475% | 4,926 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 63.2000% | 484 |
| Efficiency ratio | 60.7867% | 6,036 |
| Assets per employee ($millions) | 3.9152% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 2,061 |
| Loan loss allowance to noncurrent loans | 67.7075% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0194% | 3,478 |
| Noncurrent loans to loans | 3.0281% | 2,649 |
| Net loans and leases to total assets | 65.3215% | 4,035 |
| Net loans and leases to deposits | 79.4204% | 3,759 |
| Net loans and leases to core deposits | 81.1837% | 4,597 |
| Total domestic deposits to total assets | 82.2477% | 4,957 |
| Equity capital to assets | 11.5624% | 2,319 |
| Core capital (leverage) ratio | 11.4991% | 1,910 |
| Tier 1 risk-based capital ratio | 15.2268% | 2,992 |
| Total risk-based capital ratio | 16.4845% | 2,952 |
| Memoranda: | ||
| Average total assets | $123,654,000 | 4,548 |
| Average earning assets | $113,371,000 | 4,532 |
| Average equity | $14,265,000 | 4,176 |
| Average total loans | $84,222,000 | 4,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3798% | 870 |
| Cost of funding earning assets | 1.5122% | 5,470 |
| Net interest margin | 4.8676% | 604 |
| Noninterest income to average assets | 0.7990% | 2,408 |
| Noninterest expense to average assets | 3.1970% | 3,388 |
| Loan and lease loss provision to assets | 1.1485% | 1,987 |
| Net operating income to assets | 0.9000% | 2,176 |
| Return on assets (ROA) | 0.8227% | 2,533 |
| Pretax return on assets | 0.8634% | 3,037 |
| Return on Equity (ROE) | 7.3720% | 2,631 |
| Retained earnings to average equity (ytd only) | 4.7663% | 1,936 |
| Net charge-offs to loans | 1.5851% | 1,589 |
| Credit loss provision to net charge-offs | 104.2899% | 5,302 |
| Earnings coverage of net charge-offs (x) | 1.9009% | 4,299 |
| Efficiency ratio | 60.1694% | 6,470 |
| Assets per employee ($millions) | 3.8132% | 4,256 |
| Cash dividends to net income (ytd only)* | 35.3465% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 2,981 |
| Loan loss allowance to noncurrent loans | 43.9333% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.6708% | 2,627 |
| Noncurrent loans to loans | 3.8154% | 1,958 |
| Net loans and leases to total assets | 68.4051% | 3,610 |
| Net loans and leases to deposits | 83.2635% | 3,408 |
| Net loans and leases to core deposits | 93.1013% | 4,771 |
| Total domestic deposits to total assets | 82.1550% | 4,883 |
| Equity capital to assets | 11.5093% | 2,313 |
| Core capital (leverage) ratio | 11.2473% | 2,076 |
| Tier 1 risk-based capital ratio | 14.9996% | 2,939 |
| Total risk-based capital ratio | 16.2534% | 2,886 |
| Memoranda: | ||
| Average total assets | $122,772,800 | 4,496 |
| Average earning assets | $113,278,600 | 4,466 |
| Average equity | $13,700,400 | 4,338 |
| Average total loans | $85,293,400 | 4,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3078% | 1,120 |
| Cost of funding earning assets | 1.5661% | 5,563 |
| Net interest margin | 4.7417% | 772 |
| Noninterest income to average assets | 0.7731% | 2,583 |
| Noninterest expense to average assets | 3.1999% | 3,297 |
| Loan and lease loss provision to assets | 1.2036% | 1,612 |
| Net operating income to assets | 0.7016% | 3,200 |
| Return on assets (ROA) | 0.7016% | 3,260 |
| Pretax return on assets | 0.7558% | 3,687 |
| Return on Equity (ROE) | 6.3363% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.8401% | 3,745 |
| Net charge-offs to loans | 0.9634% | 2,050 |
| Credit loss provision to net charge-offs | 179.9028% | 2,554 |
| Earnings coverage of net charge-offs (x) | 2.9287% | 3,766 |
| Efficiency ratio | 61.7276% | 6,159 |
| Assets per employee ($millions) | 3.9923% | 3,746 |
| Cash dividends to net income (ytd only)* | 55.1777% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 1,481 |
| Loan loss allowance to noncurrent loans | 52.8742% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.9072% | 2,382 |
| Noncurrent loans to loans | 4.0981% | 1,782 |
| Net loans and leases to total assets | 67.7831% | 4,004 |
| Net loans and leases to deposits | 82.4900% | 3,923 |
| Net loans and leases to core deposits | 91.9704% | 5,237 |
| Total domestic deposits to total assets | 82.1713% | 4,601 |
| Equity capital to assets | 11.4842% | 2,599 |
| Core capital (leverage) ratio | 10.8667% | 2,510 |
| Tier 1 risk-based capital ratio | 14.6075% | 3,221 |
| Total risk-based capital ratio | 15.8653% | 3,166 |
| Memoranda: | ||
| Average total assets | $122,960,250 | 4,520 |
| Average earning assets | $113,740,250 | 4,489 |
| Average equity | $13,614,500 | 4,390 |
| Average total loans | $85,393,500 | 4,386 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3132% | 1,177 |
| Cost of funding earning assets | 1.6501% | 5,511 |
| Net interest margin | 4.6631% | 852 |
| Noninterest income to average assets | 0.7743% | 2,559 |
| Noninterest expense to average assets | 3.2064% | 3,320 |
| Loan and lease loss provision to assets | 0.7498% | 2,189 |
| Net operating income to assets | 1.0742% | 1,855 |
| Return on assets (ROA) | 1.0742% | 1,933 |
| Pretax return on assets | 1.1296% | 2,537 |
| Return on Equity (ROE) | 9.8248% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.2766% | 1,893 |
| Net charge-offs to loans | 1.3837% | 1,351 |
| Credit loss provision to net charge-offs | 77.9661% | 5,250 |
| Earnings coverage of net charge-offs (x) | 1.9542% | 4,123 |
| Efficiency ratio | 62.7564% | 6,131 |
| Assets per employee ($millions) | 3.9311% | 3,816 |
| Cash dividends to net income (ytd only)* | 36.1153% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 3,499 |
| Loan loss allowance to noncurrent loans | 41.4569% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.5208% | 2,554 |
| Noncurrent loans to loans | 3.4843% | 2,017 |
| Net loans and leases to total assets | 69.1451% | 3,913 |
| Net loans and leases to deposits | 84.6949% | 3,765 |
| Net loans and leases to core deposits | 94.0089% | 5,116 |
| Total domestic deposits to total assets | 81.6402% | 4,843 |
| Equity capital to assets | 11.0943% | 2,839 |
| Core capital (leverage) ratio | 10.9637% | 2,430 |
| Tier 1 risk-based capital ratio | 14.7605% | 3,120 |
| Total risk-based capital ratio | 16.0118% | 3,053 |
| Memoranda: | ||
| Average total assets | $122,693,330 | 4,563 |
| Average earning assets | $113,445,000 | 4,530 |
| Average equity | $13,415,000 | 4,441 |
| Average total loans | $85,275,670 | 4,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1526% | 1,752 |
| Cost of funding earning assets | 1.6993% | 5,602 |
| Net interest margin | 4.4533% | 1,226 |
| Noninterest income to average assets | 0.7928% | 2,366 |
| Noninterest expense to average assets | 3.0575% | 3,530 |
| Loan and lease loss provision to assets | 1.0072% | 1,296 |
| Net operating income to assets | 0.8188% | 3,055 |
| Return on assets (ROA) | 0.8188% | 3,205 |
| Pretax return on assets | 0.8578% | 3,862 |
| Return on Equity (ROE) | 7.5435% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.5435% | 2,004 |
| Net charge-offs to loans | 2.7852% | 471 |
| Credit loss provision to net charge-offs | 52.2766% | 4,638 |
| Earnings coverage of net charge-offs (x) | 0.9680% | 4,287 |
| Efficiency ratio | 61.7822% | 6,098 |
| Assets per employee ($millions) | 4.0060% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 4,122 |
| Loan loss allowance to noncurrent loans | 44.6738% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.0252% | 2,856 |
| Noncurrent loans to loans | 2.8897% | 2,261 |
| Net loans and leases to total assets | 66.6208% | 4,434 |
| Net loans and leases to deposits | 81.3548% | 4,399 |
| Net loans and leases to core deposits | 89.9340% | 5,557 |
| Total domestic deposits to total assets | 81.8891% | 4,595 |
| Equity capital to assets | 10.9208% | 3,043 |
| Core capital (leverage) ratio | 10.9759% | 2,517 |
| Tier 1 risk-based capital ratio | 14.7061% | 3,199 |
| Total risk-based capital ratio | 15.8997% | 3,159 |
| Memoranda: | ||
| Average total assets | $123,108,000 | 4,574 |
| Average earning assets | $114,162,500 | 4,528 |
| Average equity | $13,362,500 | 4,488 |
| Average total loans | $85,164,500 | 4,451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0384% | 1,036 |
| Cost of funding earning assets | 2.3636% | 4,879 |
| Net interest margin | 4.6747% | 1,020 |
| Noninterest income to average assets | 0.8231% | 2,391 |
| Noninterest expense to average assets | 3.0204% | 4,008 |
| Loan and lease loss provision to assets | 0.3715% | 3,454 |
| Net operating income to assets | 1.6588% | 734 |
| Return on assets (ROA) | 1.6588% | 704 |
| Pretax return on assets | 1.7406% | 1,063 |
| Return on Equity (ROE) | 15.5421% | 845 |
| Retained earnings to average equity (ytd only) | 1.5175% | 4,317 |
| Net charge-offs to loans | 0.5954% | 2,046 |
| Credit loss provision to net charge-offs | 87.9447% | 5,723 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,788 |
| Efficiency ratio | 58.5394% | 6,599 |
| Assets per employee ($millions) | 3.8135% | 3,928 |
| Cash dividends to net income (ytd only)* | 90.2365% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 2,334 |
| Loan loss allowance to noncurrent loans | 273.5471% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 5,945 |
| Noncurrent loans to loans | 0.5768% | 5,637 |
| Net loans and leases to total assets | 69.7765% | 4,065 |
| Net loans and leases to deposits | 87.1170% | 3,922 |
| Net loans and leases to core deposits | 95.2130% | 5,327 |
| Total domestic deposits to total assets | 80.0952% | 4,980 |
| Equity capital to assets | 10.7866% | 3,217 |
| Core capital (leverage) ratio | 10.8032% | 2,742 |
| Tier 1 risk-based capital ratio | 14.1319% | 3,482 |
| Total risk-based capital ratio | 15.3846% | 3,401 |
| Memoranda: | ||
| Average total assets | $119,784,600 | 4,528 |
| Average earning assets | $110,423,200 | 4,503 |
| Average equity | $12,784,600 | 4,626 |
| Average total loans | $84,986,600 | 4,364 |