Home > First Iowa State Bank > Performance and Condition Ratios
First Iowa State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 1,996 |
| Cost of funding earning assets | 0.8832% | 3,557 |
| Net interest margin | 4.1575% | 996 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4259% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8799% | 540 |
| Return on assets (ROA) | 1.7851% | 602 |
| Pretax return on assets | 1.8764% | 798 |
| Return on Equity (ROE) | 27.9400% | 213 |
| Retained earnings to average equity (ytd only) | 2.9648% | 3,286 |
| Net charge-offs to loans | 0.0706% | 1,145 |
| Credit loss provision to net charge-offs | -64.5161% | 4,463 |
| Earnings coverage of net charge-offs (x) | 43.9484% | 1,379 |
| Efficiency ratio | 55.1074% | 3,593 |
| Assets per employee ($millions) | 7.0064% | 2,071 |
| Cash dividends to net income (ytd only)* | 89.3873% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 611 |
| Loan loss allowance to noncurrent loans | 264.2625% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 1,262 |
| Noncurrent loans to loans | 0.6570% | 1,194 |
| Net loans and leases to total assets | 65.7000% | 2,286 |
| Net loans and leases to deposits | 72.0703% | 2,750 |
| Net loans and leases to core deposits | 76.2483% | 2,961 |
| Total domestic deposits to total assets | 91.1700% | 459 |
| Equity capital to assets | 6.4995% | 4,113 |
| Core capital (leverage) ratio | 10.1481% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $344,695,000 | 2,211 |
| Average earning assets | $322,118,800 | 2,199 |
| Average equity | $22,024,800 | 2,694 |
| Average total loans | $219,619,600 | 2,164 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 1,924 |
| Cost of funding earning assets | 0.8120% | 3,489 |
| Net interest margin | 4.1467% | 996 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.4259% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9244% | 546 |
| Return on assets (ROA) | 1.7975% | 665 |
| Pretax return on assets | 1.8911% | 870 |
| Return on Equity (ROE) | 28.2500% | 264 |
| Retained earnings to average equity (ytd only) | 22.1497% | 188 |
| Net charge-offs to loans | 0.0093% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 347.5333% | 409 |
| Efficiency ratio | 54.5074% | 3,548 |
| Assets per employee ($millions) | 7.2606% | 1,781 |
| Cash dividends to net income (ytd only)* | 21.6076% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 462 |
| Loan loss allowance to noncurrent loans | 608.3333% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,226 |
| Noncurrent loans to loans | 0.3151% | 2,103 |
| Net loans and leases to total assets | 64.5700% | 2,379 |
| Net loans and leases to deposits | 71.0220% | 2,773 |
| Net loans and leases to core deposits | 73.5265% | 3,021 |
| Total domestic deposits to total assets | 90.9200% | 691 |
| Equity capital to assets | 6.6720% | 3,762 |
| Core capital (leverage) ratio | 11.1073% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $343,289,000 | 2,226 |
| Average earning assets | $320,854,500 | 2,204 |
| Average equity | $21,838,750 | 2,694 |
| Average total loans | $215,964,500 | 2,187 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 2,079 |
| Cost of funding earning assets | 0.7191% | 3,428 |
| Net interest margin | 4.0426% | 1,168 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5206% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7577% | 703 |
| Return on assets (ROA) | 1.7577% | 706 |
| Pretax return on assets | 1.8484% | 940 |
| Return on Equity (ROE) | 28.0800% | 265 |
| Retained earnings to average equity (ytd only) | 18.7933% | 299 |
| Net charge-offs to loans | 0.0188% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 158.9500% | 724 |
| Efficiency ratio | 57.6923% | 3,223 |
| Assets per employee ($millions) | 6.4797% | 2,305 |
| Cash dividends to net income (ytd only)* | 33.0797% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 443 |
| Loan loss allowance to noncurrent loans | 329.9080% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 1,404 |
| Noncurrent loans to loans | 0.5957% | 1,254 |
| Net loans and leases to total assets | 62.4800% | 2,527 |
| Net loans and leases to deposits | 68.6481% | 2,887 |
| Net loans and leases to core deposits | 70.3477% | 3,105 |
| Total domestic deposits to total assets | 91.0200% | 646 |
| Equity capital to assets | 6.6029% | 3,951 |
| Core capital (leverage) ratio | 10.4922% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $343,969,000 | 2,224 |
| Average earning assets | $321,524,333 | 2,217 |
| Average equity | $21,529,000 | 2,737 |
| Average total loans | $213,067,667 | 2,202 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 2,003 |
| Cost of funding earning assets | 0.6105% | 3,349 |
| Net interest margin | 4.0261% | 1,217 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.6830% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7128% | 802 |
| Return on assets (ROA) | 1.7128% | 797 |
| Pretax return on assets | 1.8011% | 1,065 |
| Return on Equity (ROE) | 28.1400% | 284 |
| Retained earnings to average equity (ytd only) | 9.0477% | 1,938 |
| Net charge-offs to loans | 0.0228% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 129.1667% | 669 |
| Efficiency ratio | 59.8342% | 2,976 |
| Assets per employee ($millions) | 7.3499% | 1,710 |
| Cash dividends to net income (ytd only)* | 67.8426% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 412 |
| Loan loss allowance to noncurrent loans | 535.4037% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 1,951 |
| Noncurrent loans to loans | 0.3791% | 1,797 |
| Net loans and leases to total assets | 60.2200% | 2,624 |
| Net loans and leases to deposits | 64.4204% | 3,053 |
| Net loans and leases to core deposits | 65.7931% | 3,241 |
| Total domestic deposits to total assets | 93.4700% | 236 |
| Equity capital to assets | 6.2843% | 4,113 |
| Core capital (leverage) ratio | 10.0955% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $344,241,500 | 2,256 |
| Average earning assets | $321,697,500 | 2,247 |
| Average equity | $20,955,500 | 2,802 |
| Average total loans | $210,158,000 | 2,241 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 1,395 |
| Cost of funding earning assets | 0.3182% | 2,736 |
| Net interest margin | 3.8155% | 1,130 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.1232% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9142% | 346 |
| Return on assets (ROA) | 1.8492% | 376 |
| Pretax return on assets | 1.9434% | 533 |
| Return on Equity (ROE) | 25.6000% | 191 |
| Retained earnings to average equity (ytd only) | 2.3078% | 3,917 |
| Net charge-offs to loans | -0.0157% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.3479% | 4,042 |
| Assets per employee ($millions) | 7.7652% | 1,453 |
| Cash dividends to net income (ytd only)* | 90.9866% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 684 |
| Loan loss allowance to noncurrent loans | 1,000.9950% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,813 |
| Noncurrent loans to loans | 0.1776% | 2,593 |
| Net loans and leases to total assets | 57.2600% | 2,890 |
| Net loans and leases to deposits | 60.7437% | 3,287 |
| Net loans and leases to core deposits | 62.6978% | 3,348 |
| Total domestic deposits to total assets | 94.2600% | 215 |
| Equity capital to assets | 5.6251% | 4,201 |
| Core capital (leverage) ratio | 10.0702% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $190,186,800 | 3,100 |
| Average earning assets | $178,194,200 | 3,079 |
| Average equity | $13,736,000 | 3,498 |
| Average total loans | $101,757,200 | 3,126 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 1,164 |
| Cost of funding earning assets | 0.2744% | 2,441 |
| Net interest margin | 3.7736% | 989 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.0147% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9684% | 303 |
| Return on assets (ROA) | 1.9189% | 329 |
| Pretax return on assets | 2.0168% | 450 |
| Return on Equity (ROE) | 25.1400% | 183 |
| Retained earnings to average equity (ytd only) | 7.5991% | 2,151 |
| Net charge-offs to loans | -0.0135% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.3356% | 4,194 |
| Assets per employee ($millions) | 7.6566% | 1,513 |
| Cash dividends to net income (ytd only)* | 69.7760% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9051% | 600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.2100% | 2,887 |
| Net loans and leases to deposits | 63.4389% | 2,904 |
| Net loans and leases to core deposits | 65.5322% | 2,981 |
| Total domestic deposits to total assets | 88.6000% | 2,244 |
| Equity capital to assets | 6.0977% | 3,925 |
| Core capital (leverage) ratio | 10.2527% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,201,250 | 3,135 |
| Average earning assets | $177,333,750 | 3,107 |
| Average equity | $14,440,000 | 3,468 |
| Average total loans | $98,906,000 | 3,169 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 1,025 |
| Cost of funding earning assets | 0.2215% | 2,632 |
| Net interest margin | 3.7278% | 871 |
| Noninterest income to average assets | 0.5706% | 1,863 |
| Noninterest expense to average assets | 2.0176% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9438% | 249 |
| Return on assets (ROA) | 1.8742% | 282 |
| Pretax return on assets | 1.9695% | 408 |
| Return on Equity (ROE) | 23.0695% | 161 |
| Retained earnings to average equity (ytd only) | 1.8043% | 3,804 |
| Net charge-offs to loans | -0.0062% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6906% | 4,265 |
| Assets per employee ($millions) | 7.8167% | 1,402 |
| Cash dividends to net income (ytd only)* | 92.1788% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.3934% | 3,225 |
| Net loans and leases to deposits | 54.8627% | 3,478 |
| Net loans and leases to core deposits | 56.5581% | 3,522 |
| Total domestic deposits to total assets | 93.6764% | 345 |
| Equity capital to assets | 6.1615% | 4,149 |
| Core capital (leverage) ratio | 9.8423% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,015,667 | 3,155 |
| Average earning assets | $178,818,333 | 3,140 |
| Average equity | $15,518,333 | 3,452 |
| Average total loans | $96,776,667 | 3,230 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 1,015 |
| Cost of funding earning assets | 0.2155% | 2,590 |
| Net interest margin | 3.6255% | 860 |
| Noninterest income to average assets | 0.6683% | 1,424 |
| Noninterest expense to average assets | 1.9095% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0413% | 206 |
| Return on assets (ROA) | 1.9032% | 268 |
| Pretax return on assets | 2.0008% | 357 |
| Return on Equity (ROE) | 20.9624% | 200 |
| Retained earnings to average equity (ytd only) | 2.6746% | 3,369 |
| Net charge-offs to loans | -0.0083% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0829% | 4,449 |
| Assets per employee ($millions) | 7.8846% | 1,445 |
| Cash dividends to net income (ytd only)* | 87.2410% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0563% | 564 |
| Loan loss allowance to noncurrent loans | 289.5652% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 1,652 |
| Noncurrent loans to loans | 0.7101% | 1,338 |
| Net loans and leases to total assets | 50.2928% | 3,146 |
| Net loans and leases to deposits | 56.3861% | 3,233 |
| Net loans and leases to core deposits | 58.1114% | 3,297 |
| Total domestic deposits to total assets | 89.1936% | 1,982 |
| Equity capital to assets | 8.2661% | 3,351 |
| Core capital (leverage) ratio | 9.8125% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,723,500 | 3,150 |
| Average earning assets | $180,058,000 | 3,141 |
| Average equity | $17,498,000 | 3,360 |
| Average total loans | $95,958,500 | 3,249 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 1,643 |
| Cost of funding earning assets | 0.2606% | 2,804 |
| Net interest margin | 3.6285% | 1,389 |
| Noninterest income to average assets | 1.1354% | 815 |
| Noninterest expense to average assets | 1.9964% | 3,688 |
| Loan and lease loss provision to assets | 0.0726% | 1,646 |
| Net operating income to assets | 2.3254% | 199 |
| Return on assets (ROA) | 2.2983% | 219 |
| Pretax return on assets | 2.4172% | 290 |
| Return on Equity (ROE) | 21.4111% | 243 |
| Retained earnings to average equity (ytd only) | 2.3612% | 3,869 |
| Net charge-offs to loans | 0.0021% | 2,561 |
| Credit loss provision to net charge-offs | 6,750.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 2,340.0000% | 59 |
| Efficiency ratio | 44.2193% | 4,564 |
| Assets per employee ($millions) | 8.1757% | 1,230 |
| Cash dividends to net income (ytd only)* | 88.9721% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1066% | 516 |
| Loan loss allowance to noncurrent loans | 148.9552% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 937 |
| Noncurrent loans to loans | 1.4142% | 660 |
| Net loans and leases to total assets | 47.2711% | 3,572 |
| Net loans and leases to deposits | 52.6168% | 3,695 |
| Net loans and leases to core deposits | 53.6926% | 3,775 |
| Total domestic deposits to total assets | 89.8403% | 1,038 |
| Equity capital to assets | 9.8636% | 2,788 |
| Core capital (leverage) ratio | 9.6313% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,831,800 | 3,159 |
| Average earning assets | $173,072,800 | 3,150 |
| Average equity | $19,947,600 | 3,226 |
| Average total loans | $94,423,400 | 3,268 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 1,717 |
| Cost of funding earning assets | 0.2736% | 2,858 |
| Net interest margin | 3.6422% | 1,487 |
| Noninterest income to average assets | 1.3789% | 625 |
| Noninterest expense to average assets | 1.9916% | 3,707 |
| Loan and lease loss provision to assets | 0.0982% | 1,217 |
| Net operating income to assets | 2.5492% | 201 |
| Return on assets (ROA) | 2.5126% | 215 |
| Pretax return on assets | 2.6413% | 270 |
| Return on Equity (ROE) | 22.9095% | 253 |
| Retained earnings to average equity (ytd only) | 4.3324% | 3,467 |
| Net charge-offs to loans | 0.0099% | 1,952 |
| Credit loss provision to net charge-offs | 1,928.5714% | 336 |
| Earnings coverage of net charge-offs (x) | 545.4286% | 276 |
| Efficiency ratio | 41.7544% | 4,668 |
| Assets per employee ($millions) | 7.7868% | 1,388 |
| Cash dividends to net income (ytd only)* | 81.0889% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0629% | 574 |
| Loan loss allowance to noncurrent loans | 84.0084% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 455 |
| Noncurrent loans to loans | 2.4556% | 308 |
| Net loans and leases to total assets | 50.5795% | 3,337 |
| Net loans and leases to deposits | 56.9566% | 3,493 |
| Net loans and leases to core deposits | 58.1125% | 3,623 |
| Total domestic deposits to total assets | 88.8036% | 1,400 |
| Equity capital to assets | 10.9208% | 2,072 |
| Core capital (leverage) ratio | 9.9690% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,235,500 | 3,221 |
| Average earning assets | $170,587,750 | 3,208 |
| Average equity | $20,096,000 | 3,242 |
| Average total loans | $94,341,750 | 3,319 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 1,853 |
| Cost of funding earning assets | 0.2859% | 2,910 |
| Net interest margin | 3.5995% | 1,596 |
| Noninterest income to average assets | 1.5636% | 508 |
| Noninterest expense to average assets | 1.9668% | 3,794 |
| Loan and lease loss provision to assets | 0.0989% | 1,281 |
| Net operating income to assets | 2.7025% | 169 |
| Return on assets (ROA) | 2.6920% | 180 |
| Pretax return on assets | 2.8349% | 223 |
| Return on Equity (ROE) | 24.5102% | 212 |
| Retained earnings to average equity (ytd only) | 9.5040% | 1,553 |
| Net charge-offs to loans | 0.0171% | 1,604 |
| Credit loss provision to net charge-offs | 1,125.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 347 |
| Efficiency ratio | 40.0447% | 4,745 |
| Assets per employee ($millions) | 7.6908% | 1,370 |
| Cash dividends to net income (ytd only)* | 61.2245% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 553 |
| Loan loss allowance to noncurrent loans | 86.0619% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 547 |
| Noncurrent loans to loans | 2.3831% | 358 |
| Net loans and leases to total assets | 50.3259% | 3,528 |
| Net loans and leases to deposits | 56.9080% | 3,643 |
| Net loans and leases to core deposits | 58.3461% | 3,740 |
| Total domestic deposits to total assets | 88.4337% | 1,603 |
| Equity capital to assets | 11.0598% | 1,939 |
| Core capital (leverage) ratio | 10.0619% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,020,000 | 3,239 |
| Average earning assets | $169,303,333 | 3,231 |
| Average equity | $19,991,667 | 3,241 |
| Average total loans | $93,617,333 | 3,341 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 2,043 |
| Cost of funding earning assets | 0.3044% | 2,943 |
| Net interest margin | 3.5165% | 1,781 |
| Noninterest income to average assets | 0.7126% | 1,839 |
| Noninterest expense to average assets | 1.9741% | 3,796 |
| Loan and lease loss provision to assets | 0.0996% | 1,356 |
| Net operating income to assets | 1.7936% | 795 |
| Return on assets (ROA) | 1.7705% | 883 |
| Pretax return on assets | 1.8612% | 1,176 |
| Return on Equity (ROE) | 16.1775% | 983 |
| Retained earnings to average equity (ytd only) | 4.0444% | 3,487 |
| Net charge-offs to loans | 0.0258% | 1,240 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 492 |
| Efficiency ratio | 49.8603% | 4,193 |
| Assets per employee ($millions) | 7.6488% | 1,372 |
| Cash dividends to net income (ytd only)* | 75.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 643 |
| Loan loss allowance to noncurrent loans | 94.3921% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 721 |
| Noncurrent loans to loans | 2.0798% | 501 |
| Net loans and leases to total assets | 51.7427% | 3,469 |
| Net loans and leases to deposits | 58.2384% | 3,627 |
| Net loans and leases to core deposits | 59.7091% | 3,723 |
| Total domestic deposits to total assets | 88.8462% | 1,416 |
| Equity capital to assets | 10.5317% | 2,242 |
| Core capital (leverage) ratio | 10.2486% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,740,500 | 3,247 |
| Average earning assets | $166,869,500 | 3,239 |
| Average equity | $19,780,500 | 3,259 |
| Average total loans | $93,008,000 | 3,362 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 1,490 |
| Cost of funding earning assets | 0.4597% | 3,221 |
| Net interest margin | 3.9730% | 1,038 |
| Noninterest income to average assets | 0.5992% | 2,215 |
| Noninterest expense to average assets | 2.3180% | 3,361 |
| Loan and lease loss provision to assets | 0.1756% | 2,190 |
| Net operating income to assets | 1.6921% | 508 |
| Return on assets (ROA) | 1.7094% | 527 |
| Pretax return on assets | 1.7956% | 690 |
| Return on Equity (ROE) | 13.3154% | 963 |
| Retained earnings to average equity (ytd only) | -0.6569% | 4,607 |
| Net charge-offs to loans | 0.0850% | 1,611 |
| Credit loss provision to net charge-offs | 367.1053% | 1,532 |
| Earnings coverage of net charge-offs (x) | 40.8289% | 1,371 |
| Efficiency ratio | 54.2735% | 4,182 |
| Assets per employee ($millions) | 7.4130% | 1,335 |
| Cash dividends to net income (ytd only)* | 104.9337% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 494 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 762 |
| Noncurrent loans to loans | 2.3225% | 453 |
| Net loans and leases to total assets | 49.0509% | 3,903 |
| Net loans and leases to deposits | 55.8334% | 4,010 |
| Net loans and leases to core deposits | 57.4038% | 4,076 |
| Total domestic deposits to total assets | 87.8524% | 1,554 |
| Equity capital to assets | 11.3697% | 1,977 |
| Core capital (leverage) ratio | 10.3964% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,886,600 | 3,299 |
| Average earning assets | $146,842,400 | 3,306 |
| Average equity | $20,397,400 | 3,150 |
| Average total loans | $89,444,200 | 3,406 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 1,476 |
| Cost of funding earning assets | 0.4955% | 3,254 |
| Net interest margin | 4.0468% | 1,017 |
| Noninterest income to average assets | 0.5597% | 2,350 |
| Noninterest expense to average assets | 2.2759% | 3,478 |
| Loan and lease loss provision to assets | 0.1551% | 2,462 |
| Net operating income to assets | 1.7898% | 461 |
| Return on assets (ROA) | 1.7906% | 520 |
| Pretax return on assets | 1.8815% | 660 |
| Return on Equity (ROE) | 13.5028% | 974 |
| Retained earnings to average equity (ytd only) | 7.9582% | 1,318 |
| Net charge-offs to loans | 0.1251% | 1,129 |
| Credit loss provision to net charge-offs | 213.0952% | 2,061 |
| Earnings coverage of net charge-offs (x) | 28.0119% | 1,644 |
| Efficiency ratio | 52.7889% | 4,272 |
| Assets per employee ($millions) | 6.6890% | 1,679 |
| Cash dividends to net income (ytd only)* | 41.0628% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 611 |
| Loan loss allowance to noncurrent loans | 105.7866% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 1,128 |
| Noncurrent loans to loans | 1.7771% | 753 |
| Net loans and leases to total assets | 54.7753% | 3,734 |
| Net loans and leases to deposits | 63.5731% | 3,825 |
| Net loans and leases to core deposits | 65.3926% | 3,930 |
| Total domestic deposits to total assets | 86.1612% | 1,999 |
| Equity capital to assets | 12.9078% | 1,223 |
| Core capital (leverage) ratio | 12.0470% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,130,500 | 3,333 |
| Average earning assets | $142,889,750 | 3,334 |
| Average equity | $20,439,750 | 3,142 |
| Average total loans | $89,522,750 | 3,422 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 1,418 |
| Cost of funding earning assets | 0.5373% | 3,305 |
| Net interest margin | 4.1580% | 1,004 |
| Noninterest income to average assets | 0.5449% | 2,377 |
| Noninterest expense to average assets | 2.2996% | 3,513 |
| Loan and lease loss provision to assets | 0.1442% | 2,568 |
| Net operating income to assets | 1.8522% | 452 |
| Return on assets (ROA) | 1.8522% | 494 |
| Pretax return on assets | 1.9457% | 615 |
| Return on Equity (ROE) | 13.8299% | 916 |
| Retained earnings to average equity (ytd only) | 8.3458% | 1,210 |
| Net charge-offs to loans | 0.2470% | 636 |
| Credit loss provision to net charge-offs | 99.0826% | 2,419 |
| Earnings coverage of net charge-offs (x) | 14.3578% | 1,948 |
| Efficiency ratio | 52.3882% | 4,330 |
| Assets per employee ($millions) | 6.4326% | 1,840 |
| Cash dividends to net income (ytd only)* | 39.6539% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 631 |
| Loan loss allowance to noncurrent loans | 55.3035% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 414 |
| Noncurrent loans to loans | 3.2911% | 261 |
| Net loans and leases to total assets | 55.6139% | 3,722 |
| Net loans and leases to deposits | 64.7362% | 3,829 |
| Net loans and leases to core deposits | 67.0302% | 3,921 |
| Total domestic deposits to total assets | 85.9086% | 2,051 |
| Equity capital to assets | 13.0915% | 1,130 |
| Core capital (leverage) ratio | 11.6057% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,765,667 | 3,360 |
| Average earning assets | $138,480,000 | 3,366 |
| Average equity | $20,058,000 | 3,166 |
| Average total loans | $88,246,000 | 3,453 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 1,128 |
| Cost of funding earning assets | 0.5814% | 3,522 |
| Net interest margin | 4.3437% | 700 |
| Noninterest income to average assets | 0.5851% | 2,105 |
| Noninterest expense to average assets | 2.4903% | 3,297 |
| Loan and lease loss provision to assets | 0.1248% | 2,141 |
| Net operating income to assets | 1.8719% | 354 |
| Return on assets (ROA) | 1.8719% | 395 |
| Pretax return on assets | 1.9689% | 488 |
| Return on Equity (ROE) | 13.8033% | 737 |
| Retained earnings to average equity (ytd only) | 8.6910% | 1,055 |
| Net charge-offs to loans | -0.0691% | 4,728 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3255% | 4,378 |
| Assets per employee ($millions) | 5.6950% | 1,931 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 514 |
| Loan loss allowance to noncurrent loans | 55.3055% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1844% | 347 |
| Noncurrent loans to loans | 3.5811% | 255 |
| Net loans and leases to total assets | 59.7904% | 3,520 |
| Net loans and leases to deposits | 69.9658% | 3,595 |
| Net loans and leases to core deposits | 72.9825% | 3,695 |
| Total domestic deposits to total assets | 85.4566% | 2,226 |
| Equity capital to assets | 13.7160% | 1,147 |
| Core capital (leverage) ratio | 13.0973% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,241,500 | 3,407 |
| Average earning assets | $132,790,500 | 3,411 |
| Average equity | $19,560,500 | 3,206 |
| Average total loans | $86,822,500 | 3,463 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 1,639 |
| Cost of funding earning assets | 0.6474% | 3,423 |
| Net interest margin | 4.2910% | 1,108 |
| Noninterest income to average assets | 0.6075% | 2,182 |
| Noninterest expense to average assets | 2.4956% | 3,461 |
| Loan and lease loss provision to assets | 0.2710% | 661 |
| Net operating income to assets | 1.7023% | 656 |
| Return on assets (ROA) | 1.7036% | 698 |
| Pretax return on assets | 1.7895% | 967 |
| Return on Equity (ROE) | 12.9534% | 1,179 |
| Retained earnings to average equity (ytd only) | 6.7978% | 1,484 |
| Net charge-offs to loans | 0.0728% | 2,056 |
| Credit loss provision to net charge-offs | 620.9677% | 500 |
| Earnings coverage of net charge-offs (x) | 47.1774% | 1,175 |
| Efficiency ratio | 54.7913% | 4,346 |
| Assets per employee ($millions) | 5.8444% | 1,758 |
| Cash dividends to net income (ytd only)* | 47.5207% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 537 |
| Loan loss allowance to noncurrent loans | 176.5957% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 1,820 |
| Noncurrent loans to loans | 1.0830% | 1,394 |
| Net loans and leases to total assets | 58.2709% | 3,749 |
| Net loans and leases to deposits | 67.9731% | 3,823 |
| Net loans and leases to core deposits | 70.8193% | 3,919 |
| Total domestic deposits to total assets | 85.7264% | 2,175 |
| Equity capital to assets | 13.4099% | 1,325 |
| Core capital (leverage) ratio | 12.8112% | 1,327 |
| Tier 1 risk-based capital ratio | 18.4669% | 1,641 |
| Total risk-based capital ratio | 19.7228% | 1,613 |
| Memoranda: | ||
| Average total assets | $142,051,400 | 3,409 |
| Average earning assets | $130,670,200 | 3,412 |
| Average equity | $18,682,400 | 3,259 |
| Average total loans | $85,209,400 | 3,496 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 1,671 |
| Cost of funding earning assets | 0.6534% | 3,436 |
| Net interest margin | 4.2996% | 1,166 |
| Noninterest income to average assets | 0.5729% | 2,342 |
| Noninterest expense to average assets | 2.6054% | 3,156 |
| Loan and lease loss provision to assets | 0.2978% | 496 |
| Net operating income to assets | 1.5485% | 1,065 |
| Return on assets (ROA) | 1.5485% | 1,118 |
| Pretax return on assets | 1.6260% | 1,541 |
| Return on Equity (ROE) | 11.8341% | 1,676 |
| Retained earnings to average equity (ytd only) | 7.4993% | 1,623 |
| Net charge-offs to loans | 0.1179% | 1,312 |
| Credit loss provision to net charge-offs | 420.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 27.1327% | 1,722 |
| Efficiency ratio | 57.5245% | 3,998 |
| Assets per employee ($millions) | 5.5797% | 1,954 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 563 |
| Loan loss allowance to noncurrent loans | 179.0249% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 1,943 |
| Noncurrent loans to loans | 1.0590% | 1,512 |
| Net loans and leases to total assets | 58.5768% | 3,818 |
| Net loans and leases to deposits | 71.3400% | 3,656 |
| Net loans and leases to core deposits | 74.4402% | 3,802 |
| Total domestic deposits to total assets | 82.1094% | 3,448 |
| Equity capital to assets | 13.9062% | 1,193 |
| Core capital (leverage) ratio | 12.9453% | 1,363 |
| Tier 1 risk-based capital ratio | 18.8243% | 1,602 |
| Total risk-based capital ratio | 20.0792% | 1,571 |
| Memoranda: | ||
| Average total assets | $141,037,000 | 3,453 |
| Average earning assets | $129,776,750 | 3,467 |
| Average equity | $18,454,750 | 3,307 |
| Average total loans | $84,812,000 | 3,550 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 1,677 |
| Cost of funding earning assets | 0.6279% | 3,515 |
| Net interest margin | 4.2986% | 1,151 |
| Noninterest income to average assets | 0.5878% | 2,211 |
| Noninterest expense to average assets | 2.5079% | 3,451 |
| Loan and lease loss provision to assets | 0.2967% | 467 |
| Net operating income to assets | 1.6644% | 780 |
| Return on assets (ROA) | 1.6644% | 815 |
| Pretax return on assets | 1.7492% | 1,172 |
| Return on Equity (ROE) | 12.9876% | 1,249 |
| Retained earnings to average equity (ytd only) | 8.5776% | 1,173 |
| Net charge-offs to loans | 0.0680% | 1,683 |
| Credit loss provision to net charge-offs | 724.1379% | 453 |
| Earnings coverage of net charge-offs (x) | 49.9310% | 1,096 |
| Efficiency ratio | 55.0729% | 4,360 |
| Assets per employee ($millions) | 5.6092% | 1,865 |
| Cash dividends to net income (ytd only)* | 33.9559% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 756 |
| Loan loss allowance to noncurrent loans | 108.1909% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 1,393 |
| Noncurrent loans to loans | 1.6153% | 953 |
| Net loans and leases to total assets | 60.9018% | 3,667 |
| Net loans and leases to deposits | 73.1695% | 3,583 |
| Net loans and leases to core deposits | 75.4321% | 3,776 |
| Total domestic deposits to total assets | 83.2339% | 3,135 |
| Equity capital to assets | 13.5892% | 1,285 |
| Core capital (leverage) ratio | 12.5743% | 1,497 |
| Tier 1 risk-based capital ratio | 18.1283% | 1,773 |
| Total risk-based capital ratio | 19.3824% | 1,726 |
| Memoranda: | ||
| Average total assets | $141,552,000 | 3,473 |
| Average earning assets | $130,601,330 | 3,467 |
| Average equity | $18,140,330 | 3,333 |
| Average total loans | $85,319,670 | 3,563 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 1,705 |
| Cost of funding earning assets | 0.6205% | 3,462 |
| Net interest margin | 4.2459% | 1,209 |
| Noninterest income to average assets | 0.5232% | 2,421 |
| Noninterest expense to average assets | 2.6411% | 3,078 |
| Loan and lease loss provision to assets | 0.2953% | 442 |
| Net operating income to assets | 1.4232% | 1,314 |
| Return on assets (ROA) | 1.4232% | 1,342 |
| Pretax return on assets | 1.4935% | 1,792 |
| Return on Equity (ROE) | 11.4463% | 1,760 |
| Retained earnings to average equity (ytd only) | 6.9221% | 2,073 |
| Net charge-offs to loans | 0.2934% | 505 |
| Credit loss provision to net charge-offs | 169.3548% | 1,155 |
| Earnings coverage of net charge-offs (x) | 10.2581% | 1,972 |
| Efficiency ratio | 59.6190% | 3,859 |
| Assets per employee ($millions) | 5.6256% | 1,864 |
| Cash dividends to net income (ytd only)* | 39.5257% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,004 |
| Loan loss allowance to noncurrent loans | 97.6645% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 1,393 |
| Noncurrent loans to loans | 1.6726% | 928 |
| Net loans and leases to total assets | 59.0867% | 3,780 |
| Net loans and leases to deposits | 69.1506% | 3,834 |
| Net loans and leases to core deposits | 71.5871% | 3,975 |
| Total domestic deposits to total assets | 85.4464% | 2,508 |
| Equity capital to assets | 12.8158% | 1,559 |
| Core capital (leverage) ratio | 12.3102% | 1,600 |
| Tier 1 risk-based capital ratio | 17.8512% | 1,831 |
| Total risk-based capital ratio | 19.1035% | 1,790 |
| Memoranda: | ||
| Average total assets | $142,213,500 | 3,503 |
| Average earning assets | $130,855,500 | 3,505 |
| Average equity | $17,682,500 | 3,385 |
| Average total loans | $84,519,000 | 3,603 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 1,519 |
| Cost of funding earning assets | 0.5444% | 3,086 |
| Net interest margin | 4.2681% | 1,232 |
| Noninterest income to average assets | 0.6066% | 2,254 |
| Noninterest expense to average assets | 2.4356% | 3,785 |
| Loan and lease loss provision to assets | 0.2987% | 541 |
| Net operating income to assets | 1.7117% | 676 |
| Return on assets (ROA) | 1.6989% | 689 |
| Pretax return on assets | 1.7835% | 963 |
| Return on Equity (ROE) | 14.4134% | 956 |
| Retained earnings to average equity (ytd only) | 9.6472% | 697 |
| Net charge-offs to loans | 0.5827% | 294 |
| Credit loss provision to net charge-offs | 83.0040% | 2,826 |
| Earnings coverage of net charge-offs (x) | 5.8241% | 3,147 |
| Efficiency ratio | 53.4840% | 4,661 |
| Assets per employee ($millions) | 5.7515% | 1,719 |
| Cash dividends to net income (ytd only)* | 33.0682% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,064 |
| Loan loss allowance to noncurrent loans | 161.3993% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 2,243 |
| Noncurrent loans to loans | 0.9804% | 1,656 |
| Net loans and leases to total assets | 57.8776% | 3,980 |
| Net loans and leases to deposits | 66.5401% | 4,078 |
| Net loans and leases to core deposits | 68.2285% | 4,227 |
| Total domestic deposits to total assets | 86.9815% | 1,794 |
| Equity capital to assets | 12.0601% | 1,854 |
| Core capital (leverage) ratio | 11.8702% | 1,819 |
| Tier 1 risk-based capital ratio | 17.5722% | 1,878 |
| Total risk-based capital ratio | 18.8243% | 1,838 |
| Memoranda: | ||
| Average total assets | $140,620,400 | 3,496 |
| Average earning assets | $129,307,600 | 3,502 |
| Average equity | $16,574,800 | 3,453 |
| Average total loans | $86,834,000 | 3,536 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 1,504 |
| Cost of funding earning assets | 0.5206% | 3,054 |
| Net interest margin | 4.2467% | 1,246 |
| Noninterest income to average assets | 0.6303% | 2,164 |
| Noninterest expense to average assets | 2.4115% | 3,829 |
| Loan and lease loss provision to assets | 0.3004% | 490 |
| Net operating income to assets | 1.7384% | 687 |
| Return on assets (ROA) | 1.7402% | 688 |
| Pretax return on assets | 1.8250% | 954 |
| Return on Equity (ROE) | 14.8522% | 907 |
| Retained earnings to average equity (ytd only) | 10.0507% | 908 |
| Net charge-offs to loans | 0.6697% | 213 |
| Credit loss provision to net charge-offs | 71.7540% | 2,615 |
| Earnings coverage of net charge-offs (x) | 5.0729% | 2,995 |
| Efficiency ratio | 52.8175% | 4,728 |
| Assets per employee ($millions) | 5.5462% | 1,871 |
| Cash dividends to net income (ytd only)* | 32.3289% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,269 |
| Loan loss allowance to noncurrent loans | 53.0829% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 638 |
| Noncurrent loans to loans | 2.8699% | 398 |
| Net loans and leases to total assets | 60.6063% | 3,785 |
| Net loans and leases to deposits | 69.8267% | 3,926 |
| Net loans and leases to core deposits | 71.9713% | 4,086 |
| Total domestic deposits to total assets | 86.7952% | 1,826 |
| Equity capital to assets | 12.0783% | 1,854 |
| Core capital (leverage) ratio | 12.0685% | 1,748 |
| Tier 1 risk-based capital ratio | 16.7750% | 2,177 |
| Total risk-based capital ratio | 18.0264% | 2,124 |
| Memoranda: | ||
| Average total assets | $139,828,500 | 3,546 |
| Average earning assets | $128,566,750 | 3,552 |
| Average equity | $16,383,250 | 3,494 |
| Average total loans | $87,402,750 | 3,558 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 1,496 |
| Cost of funding earning assets | 0.4905% | 3,083 |
| Net interest margin | 4.2142% | 1,250 |
| Noninterest income to average assets | 0.6704% | 2,002 |
| Noninterest expense to average assets | 2.3791% | 3,952 |
| Loan and lease loss provision to assets | 0.2995% | 465 |
| Net operating income to assets | 1.7784% | 611 |
| Return on assets (ROA) | 1.7744% | 620 |
| Pretax return on assets | 1.8599% | 864 |
| Return on Equity (ROE) | 15.2995% | 795 |
| Retained earnings to average equity (ytd only) | 10.2570% | 851 |
| Net charge-offs to loans | 0.9989% | 132 |
| Credit loss provision to net charge-offs | 47.7273% | 2,506 |
| Earnings coverage of net charge-offs (x) | 3.4477% | 2,876 |
| Efficiency ratio | 51.8367% | 4,907 |
| Assets per employee ($millions) | 5.7999% | 1,636 |
| Cash dividends to net income (ytd only)* | 32.9582% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,744 |
| Loan loss allowance to noncurrent loans | 37.0692% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 384 |
| Noncurrent loans to loans | 3.7757% | 245 |
| Net loans and leases to total assets | 60.4280% | 3,770 |
| Net loans and leases to deposits | 69.3478% | 3,912 |
| Net loans and leases to core deposits | 71.9126% | 4,015 |
| Total domestic deposits to total assets | 87.1377% | 1,783 |
| Equity capital to assets | 11.8954% | 1,927 |
| Core capital (leverage) ratio | 11.5123% | 2,064 |
| Tier 1 risk-based capital ratio | 16.1065% | 2,401 |
| Total risk-based capital ratio | 17.3059% | 2,358 |
| Memoranda: | ||
| Average total assets | $140,220,000 | 3,569 |
| Average earning assets | $128,850,330 | 3,568 |
| Average equity | $16,262,000 | 3,525 |
| Average total loans | $88,092,670 | 3,561 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 1,526 |
| Cost of funding earning assets | 0.4710% | 3,029 |
| Net interest margin | 4.1432% | 1,326 |
| Noninterest income to average assets | 0.7020% | 1,820 |
| Noninterest expense to average assets | 2.4898% | 3,679 |
| Loan and lease loss provision to assets | 0.2984% | 435 |
| Net operating income to assets | 1.6225% | 815 |
| Return on assets (ROA) | 1.6144% | 829 |
| Pretax return on assets | 1.7054% | 1,102 |
| Return on Equity (ROE) | 14.0995% | 992 |
| Retained earnings to average equity (ytd only) | 9.3831% | 1,332 |
| Net charge-offs to loans | 0.0134% | 2,281 |
| Credit loss provision to net charge-offs | 3,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 285 |
| Efficiency ratio | 54.2298% | 4,778 |
| Assets per employee ($millions) | 6.0541% | 1,470 |
| Cash dividends to net income (ytd only)* | 33.4507% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 881 |
| Loan loss allowance to noncurrent loans | 42.1940% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.6414% | 335 |
| Noncurrent loans to loans | 4.1202% | 239 |
| Net loans and leases to total assets | 61.9828% | 3,550 |
| Net loans and leases to deposits | 70.7837% | 3,723 |
| Net loans and leases to core deposits | 73.3805% | 3,862 |
| Total domestic deposits to total assets | 87.5665% | 1,866 |
| Equity capital to assets | 11.5444% | 2,096 |
| Core capital (leverage) ratio | 11.1568% | 2,273 |
| Tier 1 risk-based capital ratio | 15.5787% | 2,636 |
| Total risk-based capital ratio | 16.8317% | 2,581 |
| Memoranda: | ||
| Average total assets | $140,731,500 | 3,592 |
| Average earning assets | $129,079,000 | 3,603 |
| Average equity | $16,114,000 | 3,574 |
| Average total loans | $89,485,000 | 3,556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 1,370 |
| Cost of funding earning assets | 0.3891% | 3,342 |
| Net interest margin | 4.2312% | 1,124 |
| Noninterest income to average assets | 0.6231% | 2,339 |
| Noninterest expense to average assets | 2.3160% | 4,284 |
| Loan and lease loss provision to assets | 0.2061% | 992 |
| Net operating income to assets | 1.8976% | 343 |
| Return on assets (ROA) | 1.9100% | 341 |
| Pretax return on assets | 2.0068% | 482 |
| Return on Equity (ROE) | 13.8314% | 784 |
| Retained earnings to average equity (ytd only) | -32.2799% | 5,644 |
| Net charge-offs to loans | 0.2689% | 971 |
| Credit loss provision to net charge-offs | 122.4490% | 2,132 |
| Earnings coverage of net charge-offs (x) | 13.0694% | 2,425 |
| Efficiency ratio | 49.7490% | 5,230 |
| Assets per employee ($millions) | 5.9258% | 1,573 |
| Cash dividends to net income (ytd only)* | 333.3813% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,239 |
| Loan loss allowance to noncurrent loans | 94.5551% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 1,329 |
| Noncurrent loans to loans | 1.6525% | 996 |
| Net loans and leases to total assets | 63.0799% | 3,480 |
| Net loans and leases to deposits | 72.5201% | 3,647 |
| Net loans and leases to core deposits | 75.4648% | 3,780 |
| Total domestic deposits to total assets | 86.9827% | 2,007 |
| Equity capital to assets | 11.3579% | 2,321 |
| Core capital (leverage) ratio | 10.7508% | 2,592 |
| Tier 1 risk-based capital ratio | 14.8536% | 2,902 |
| Total risk-based capital ratio | 16.1056% | 2,843 |
| Memoranda: | ||
| Average total assets | $145,553,200 | 3,531 |
| Average earning assets | $133,910,400 | 3,544 |
| Average equity | $20,099,200 | 3,130 |
| Average total loans | $91,114,600 | 3,504 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,430 |
| Cost of funding earning assets | 0.3666% | 3,493 |
| Net interest margin | 4.2111% | 1,128 |
| Noninterest income to average assets | 0.6285% | 2,317 |
| Noninterest expense to average assets | 2.3198% | 4,246 |
| Loan and lease loss provision to assets | 0.2049% | 921 |
| Net operating income to assets | 1.8803% | 405 |
| Return on assets (ROA) | 1.9054% | 391 |
| Pretax return on assets | 2.0010% | 551 |
| Return on Equity (ROE) | 13.2282% | 1,005 |
| Retained earnings to average equity (ytd only) | -44.0602% | 5,717 |
| Net charge-offs to loans | 0.1551% | 1,310 |
| Credit loss provision to net charge-offs | 212.2642% | 1,292 |
| Earnings coverage of net charge-offs (x) | 22.5755% | 1,855 |
| Efficiency ratio | 50.0202% | 5,246 |
| Assets per employee ($millions) | 6.8153% | 1,024 |
| Cash dividends to net income (ytd only)* | 433.0790% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 1,186 |
| Loan loss allowance to noncurrent loans | 129.0546% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 2,047 |
| Noncurrent loans to loans | 1.2576% | 1,522 |
| Net loans and leases to total assets | 63.0187% | 3,549 |
| Net loans and leases to deposits | 77.4122% | 3,234 |
| Net loans and leases to core deposits | 81.1804% | 3,360 |
| Total domestic deposits to total assets | 81.4066% | 3,944 |
| Equity capital to assets | 11.1374% | 2,728 |
| Core capital (leverage) ratio | 10.3593% | 3,128 |
| Tier 1 risk-based capital ratio | 14.4290% | 3,222 |
| Total risk-based capital ratio | 15.6817% | 3,137 |
| Memoranda: | ||
| Average total assets | $146,387,000 | 3,543 |
| Average earning assets | $134,562,250 | 3,566 |
| Average equity | $21,085,750 | 3,061 |
| Average total loans | $91,109,500 | 3,535 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 1,472 |
| Cost of funding earning assets | 0.3301% | 3,791 |
| Net interest margin | 4.1879% | 1,100 |
| Noninterest income to average assets | 0.5764% | 2,574 |
| Noninterest expense to average assets | 2.2417% | 4,476 |
| Loan and lease loss provision to assets | 0.2034% | 896 |
| Net operating income to assets | 1.8884% | 383 |
| Return on assets (ROA) | 1.9257% | 363 |
| Pretax return on assets | 2.0247% | 509 |
| Return on Equity (ROE) | 12.4556% | 1,175 |
| Retained earnings to average equity (ytd only) | 5.3506% | 2,499 |
| Net charge-offs to loans | 0.2332% | 875 |
| Credit loss provision to net charge-offs | 141.5094% | 1,578 |
| Earnings coverage of net charge-offs (x) | 15.2264% | 2,036 |
| Efficiency ratio | 49.0358% | 5,355 |
| Assets per employee ($millions) | 6.6297% | 1,079 |
| Cash dividends to net income (ytd only)* | 57.0423% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 1,395 |
| Loan loss allowance to noncurrent loans | 156.1326% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 2,590 |
| Noncurrent loans to loans | 0.9933% | 1,979 |
| Net loans and leases to total assets | 61.4985% | 3,689 |
| Net loans and leases to deposits | 74.8687% | 3,459 |
| Net loans and leases to core deposits | 77.3872% | 3,645 |
| Total domestic deposits to total assets | 82.1417% | 3,848 |
| Equity capital to assets | 16.1477% | 518 |
| Core capital (leverage) ratio | 15.0735% | 612 |
| Tier 1 risk-based capital ratio | 21.8125% | 1,074 |
| Total risk-based capital ratio | 23.0638% | 1,056 |
| Memoranda: | ||
| Average total assets | $147,475,670 | 3,557 |
| Average earning assets | $135,724,000 | 3,561 |
| Average equity | $22,801,000 | 2,903 |
| Average total loans | $90,919,000 | 3,558 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 1,557 |
| Cost of funding earning assets | 0.3174% | 3,875 |
| Net interest margin | 4.1117% | 1,189 |
| Noninterest income to average assets | 0.5422% | 2,696 |
| Noninterest expense to average assets | 2.3010% | 4,404 |
| Loan and lease loss provision to assets | 0.2023% | 814 |
| Net operating income to assets | 1.7303% | 519 |
| Return on assets (ROA) | 1.8046% | 454 |
| Pretax return on assets | 1.8909% | 653 |
| Return on Equity (ROE) | 11.9328% | 1,259 |
| Retained earnings to average equity (ytd only) | 3.9063% | 3,494 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6875% | 5,279 |
| Assets per employee ($millions) | 6.7633% | 1,053 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 1,388 |
| Loan loss allowance to noncurrent loans | 94.3174% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 1,677 |
| Noncurrent loans to loans | 1.6944% | 1,131 |
| Net loans and leases to total assets | 59.7552% | 3,812 |
| Net loans and leases to deposits | 72.0867% | 3,606 |
| Net loans and leases to core deposits | 74.6323% | 3,774 |
| Total domestic deposits to total assets | 82.8936% | 3,883 |
| Equity capital to assets | 15.2098% | 613 |
| Core capital (leverage) ratio | 15.1191% | 585 |
| Tier 1 risk-based capital ratio | 21.2125% | 1,193 |
| Total risk-based capital ratio | 22.4639% | 1,173 |
| Memoranda: | ||
| Average total assets | $148,286,500 | 3,579 |
| Average earning assets | $136,101,000 | 3,586 |
| Average equity | $22,425,500 | 2,950 |
| Average total loans | $90,823,000 | 3,581 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,515 |
| Cost of funding earning assets | 0.3842% | 3,158 |
| Net interest margin | 4.1228% | 1,324 |
| Noninterest income to average assets | 0.5189% | 3,107 |
| Noninterest expense to average assets | 2.2341% | 4,693 |
| Loan and lease loss provision to assets | 0.2014% | 1,147 |
| Net operating income to assets | 1.7693% | 468 |
| Return on assets (ROA) | 1.7783% | 484 |
| Pretax return on assets | 1.8675% | 666 |
| Return on Equity (ROE) | 11.7973% | 1,313 |
| Retained earnings to average equity (ytd only) | 4.7608% | 2,501 |
| Net charge-offs to loans | 0.1930% | 1,438 |
| Credit loss provision to net charge-offs | 171.4286% | 1,618 |
| Earnings coverage of net charge-offs (x) | 17.5314% | 2,039 |
| Efficiency ratio | 50.4534% | 5,470 |
| Assets per employee ($millions) | 6.4253% | 1,187 |
| Cash dividends to net income (ytd only)* | 59.6451% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 1,673 |
| Loan loss allowance to noncurrent loans | 77.3446% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 1,442 |
| Noncurrent loans to loans | 1.9389% | 945 |
| Net loans and leases to total assets | 60.8481% | 3,756 |
| Net loans and leases to deposits | 73.1888% | 3,596 |
| Net loans and leases to core deposits | 75.5901% | 3,784 |
| Total domestic deposits to total assets | 83.1386% | 3,724 |
| Equity capital to assets | 15.0358% | 638 |
| Core capital (leverage) ratio | 14.6049% | 671 |
| Tier 1 risk-based capital ratio | 20.9833% | 1,206 |
| Total risk-based capital ratio | 22.2345% | 1,190 |
| Memoranda: | ||
| Average total assets | $148,966,000 | 3,540 |
| Average earning assets | $136,386,600 | 3,550 |
| Average equity | $22,454,200 | 2,947 |
| Average total loans | $90,656,600 | 3,563 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 1,575 |
| Cost of funding earning assets | 0.3952% | 3,065 |
| Net interest margin | 4.0947% | 1,399 |
| Noninterest income to average assets | 0.4984% | 3,259 |
| Noninterest expense to average assets | 2.2278% | 4,696 |
| Loan and lease loss provision to assets | 0.2010% | 1,049 |
| Net operating income to assets | 1.7301% | 565 |
| Return on assets (ROA) | 1.7436% | 585 |
| Pretax return on assets | 1.8321% | 837 |
| Return on Equity (ROE) | 11.5606% | 1,474 |
| Retained earnings to average equity (ytd only) | 4.3352% | 3,236 |
| Net charge-offs to loans | 0.0648% | 2,416 |
| Credit loss provision to net charge-offs | 511.3636% | 692 |
| Earnings coverage of net charge-offs (x) | 51.3595% | 1,054 |
| Efficiency ratio | 50.8624% | 5,451 |
| Assets per employee ($millions) | 7.1060% | 854 |
| Cash dividends to net income (ytd only)* | 62.5002% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,611 |
| Loan loss allowance to noncurrent loans | 84.2697% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 1,719 |
| Noncurrent loans to loans | 1.8386% | 1,111 |
| Net loans and leases to total assets | 60.6791% | 3,786 |
| Net loans and leases to deposits | 77.0243% | 3,284 |
| Net loans and leases to core deposits | 79.6651% | 3,481 |
| Total domestic deposits to total assets | 78.7792% | 4,772 |
| Equity capital to assets | 15.4564% | 638 |
| Core capital (leverage) ratio | 14.4002% | 751 |
| Tier 1 risk-based capital ratio | 20.6478% | 1,331 |
| Total risk-based capital ratio | 21.8994% | 1,301 |
| Memoranda: | ||
| Average total assets | $149,262,250 | 3,551 |
| Average earning assets | $136,629,000 | 3,559 |
| Average equity | $22,512,750 | 2,965 |
| Average total loans | $90,498,000 | 3,582 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 1,638 |
| Cost of funding earning assets | 0.4035% | 2,998 |
| Net interest margin | 4.0582% | 1,483 |
| Noninterest income to average assets | 0.4730% | 3,388 |
| Noninterest expense to average assets | 2.1933% | 4,858 |
| Loan and lease loss provision to assets | 0.1809% | 1,207 |
| Net operating income to assets | 1.7348% | 543 |
| Return on assets (ROA) | 1.7552% | 551 |
| Pretax return on assets | 1.8396% | 802 |
| Return on Equity (ROE) | 11.7338% | 1,404 |
| Retained earnings to average equity (ytd only) | 4.0307% | 3,342 |
| Net charge-offs to loans | 0.0644% | 2,276 |
| Credit loss provision to net charge-offs | 465.5172% | 693 |
| Earnings coverage of net charge-offs (x) | 51.4483% | 977 |
| Efficiency ratio | 50.6871% | 5,526 |
| Assets per employee ($millions) | 6.4478% | 1,108 |
| Cash dividends to net income (ytd only)* | 65.6489% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,969 |
| Loan loss allowance to noncurrent loans | 85.0662% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 1,885 |
| Noncurrent loans to loans | 1.7322% | 1,215 |
| Net loans and leases to total assets | 60.8703% | 3,767 |
| Net loans and leases to deposits | 77.0018% | 3,268 |
| Net loans and leases to core deposits | 86.2145% | 2,876 |
| Total domestic deposits to total assets | 79.0504% | 4,774 |
| Equity capital to assets | 15.4236% | 645 |
| Core capital (leverage) ratio | 14.0868% | 797 |
| Tier 1 risk-based capital ratio | 20.3800% | 1,368 |
| Total risk-based capital ratio | 21.6309% | 1,350 |
| Memoranda: | ||
| Average total assets | $149,274,330 | 3,573 |
| Average earning assets | $136,810,670 | 3,584 |
| Average equity | $22,328,670 | 2,989 |
| Average total loans | $90,006,000 | 3,614 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 1,912 |
| Cost of funding earning assets | 0.4156% | 2,896 |
| Net interest margin | 3.9485% | 1,789 |
| Noninterest income to average assets | 0.4541% | 3,455 |
| Noninterest expense to average assets | 2.3130% | 4,624 |
| Loan and lease loss provision to assets | 0.0401% | 3,113 |
| Net operating income to assets | 1.6212% | 673 |
| Return on assets (ROA) | 1.6212% | 715 |
| Pretax return on assets | 1.7040% | 1,058 |
| Return on Equity (ROE) | 11.0081% | 1,596 |
| Retained earnings to average equity (ytd only) | 1.9405% | 4,480 |
| Net charge-offs to loans | -0.0045% | 4,263 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3654% | 5,247 |
| Assets per employee ($millions) | 6.7240% | 1,000 |
| Cash dividends to net income (ytd only)* | 82.3723% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 2,403 |
| Loan loss allowance to noncurrent loans | 60.1145% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.4304% | 1,449 |
| Noncurrent loans to loans | 2.3346% | 849 |
| Net loans and leases to total assets | 59.8402% | 3,797 |
| Net loans and leases to deposits | 73.7693% | 3,459 |
| Net loans and leases to core deposits | 76.2566% | 3,659 |
| Total domestic deposits to total assets | 81.1180% | 4,464 |
| Equity capital to assets | 15.0167% | 691 |
| Core capital (leverage) ratio | 13.8484% | 851 |
| Tier 1 risk-based capital ratio | 20.2549% | 1,448 |
| Total risk-based capital ratio | 21.4932% | 1,426 |
| Memoranda: | ||
| Average total assets | $149,762,000 | 3,586 |
| Average earning assets | $136,658,000 | 3,602 |
| Average equity | $22,056,500 | 3,019 |
| Average total loans | $89,199,000 | 3,637 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 1,724 |
| Cost of funding earning assets | 0.4475% | 2,651 |
| Net interest margin | 4.0099% | 1,685 |
| Noninterest income to average assets | 0.5298% | 3,140 |
| Noninterest expense to average assets | 2.1378% | 5,178 |
| Loan and lease loss provision to assets | 0.1247% | 1,933 |
| Net operating income to assets | 1.8513% | 445 |
| Return on assets (ROA) | 1.8633% | 443 |
| Pretax return on assets | 1.9581% | 589 |
| Return on Equity (ROE) | 13.3185% | 990 |
| Retained earnings to average equity (ytd only) | 4.2657% | 2,942 |
| Net charge-offs to loans | 0.2215% | 1,334 |
| Credit loss provision to net charge-offs | 96.4103% | 2,631 |
| Earnings coverage of net charge-offs (x) | 16.0103% | 2,162 |
| Efficiency ratio | 49.2121% | 5,789 |
| Assets per employee ($millions) | 7.2188% | 819 |
| Cash dividends to net income (ytd only)* | 67.9715% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 2,405 |
| Loan loss allowance to noncurrent loans | 112.2744% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 2,827 |
| Noncurrent loans to loans | 1.2503% | 1,888 |
| Net loans and leases to total assets | 57.6358% | 4,131 |
| Net loans and leases to deposits | 69.7912% | 3,945 |
| Net loans and leases to core deposits | 72.3496% | 4,101 |
| Total domestic deposits to total assets | 82.5832% | 3,983 |
| Equity capital to assets | 14.4457% | 782 |
| Core capital (leverage) ratio | 13.8144% | 870 |
| Tier 1 risk-based capital ratio | 20.2445% | 1,439 |
| Total risk-based capital ratio | 21.4711% | 1,416 |
| Memoranda: | ||
| Average total assets | $150,807,400 | 3,559 |
| Average earning assets | $138,332,800 | 3,558 |
| Average equity | $21,098,400 | 3,061 |
| Average total loans | $88,034,000 | 3,630 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,818 |
| Cost of funding earning assets | 0.4515% | 2,668 |
| Net interest margin | 3.9769% | 1,779 |
| Noninterest income to average assets | 0.5099% | 3,298 |
| Noninterest expense to average assets | 2.1052% | 5,261 |
| Loan and lease loss provision to assets | 0.1399% | 1,586 |
| Net operating income to assets | 1.8351% | 480 |
| Return on assets (ROA) | 1.8511% | 487 |
| Pretax return on assets | 1.9467% | 669 |
| Return on Equity (ROE) | 13.3405% | 1,052 |
| Retained earnings to average equity (ytd only) | 2.9731% | 4,335 |
| Net charge-offs to loans | 0.1836% | 1,388 |
| Credit loss provision to net charge-offs | 130.5785% | 1,872 |
| Earnings coverage of net charge-offs (x) | 19.3223% | 1,949 |
| Efficiency ratio | 48.8126% | 5,831 |
| Assets per employee ($millions) | 6.9178% | 896 |
| Cash dividends to net income (ytd only)* | 77.7139% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 2,242 |
| Loan loss allowance to noncurrent loans | 169.0289% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 3,076 |
| Noncurrent loans to loans | 0.8752% | 2,793 |
| Net loans and leases to total assets | 59.0461% | 4,006 |
| Net loans and leases to deposits | 72.5629% | 3,697 |
| Net loans and leases to core deposits | 75.5460% | 3,848 |
| Total domestic deposits to total assets | 81.3723% | 4,370 |
| Equity capital to assets | 14.6221% | 832 |
| Core capital (leverage) ratio | 13.5757% | 988 |
| Tier 1 risk-based capital ratio | 20.2715% | 1,488 |
| Total risk-based capital ratio | 21.5218% | 1,458 |
| Memoranda: | ||
| Average total assets | $150,610,500 | 3,589 |
| Average earning assets | $138,799,250 | 3,590 |
| Average equity | $20,898,250 | 3,106 |
| Average total loans | $87,888,250 | 3,672 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 1,928 |
| Cost of funding earning assets | 0.4505% | 2,719 |
| Net interest margin | 3.9266% | 1,891 |
| Noninterest income to average assets | 0.4803% | 3,500 |
| Noninterest expense to average assets | 2.0658% | 5,406 |
| Loan and lease loss provision to assets | 0.1286% | 1,725 |
| Net operating income to assets | 1.8109% | 504 |
| Return on assets (ROA) | 1.8059% | 530 |
| Pretax return on assets | 1.8951% | 737 |
| Return on Equity (ROE) | 13.2412% | 1,068 |
| Retained earnings to average equity (ytd only) | 0.8276% | 5,229 |
| Net charge-offs to loans | 0.2541% | 1,019 |
| Credit loss provision to net charge-offs | 87.5000% | 2,236 |
| Earnings coverage of net charge-offs (x) | 13.8036% | 2,100 |
| Efficiency ratio | 48.8141% | 5,915 |
| Assets per employee ($millions) | 6.3524% | 1,122 |
| Cash dividends to net income (ytd only)* | 93.7500% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 2,693 |
| Loan loss allowance to noncurrent loans | 196.6614% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 3,540 |
| Noncurrent loans to loans | 0.7189% | 3,332 |
| Net loans and leases to total assets | 56.5802% | 4,271 |
| Net loans and leases to deposits | 67.7950% | 4,153 |
| Net loans and leases to core deposits | 70.6837% | 4,260 |
| Total domestic deposits to total assets | 83.4577% | 3,776 |
| Equity capital to assets | 13.5834% | 1,132 |
| Core capital (leverage) ratio | 12.7837% | 1,264 |
| Tier 1 risk-based capital ratio | 19.5374% | 1,660 |
| Total risk-based capital ratio | 20.7643% | 1,630 |
| Memoranda: | ||
| Average total assets | $152,389,670 | 3,592 |
| Average earning assets | $140,273,670 | 3,599 |
| Average equity | $20,783,670 | 3,133 |
| Average total loans | $88,162,330 | 3,685 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 1,817 |
| Cost of funding earning assets | 0.4443% | 2,834 |
| Net interest margin | 3.9418% | 1,736 |
| Noninterest income to average assets | 0.4437% | 3,675 |
| Noninterest expense to average assets | 1.9796% | 5,621 |
| Loan and lease loss provision to assets | 0.1785% | 1,080 |
| Net operating income to assets | 1.8273% | 463 |
| Return on assets (ROA) | 1.8273% | 489 |
| Pretax return on assets | 1.9192% | 689 |
| Return on Equity (ROE) | 13.3711% | 1,016 |
| Retained earnings to average equity (ytd only) | -4.4955% | 5,894 |
| Net charge-offs to loans | 0.1220% | 1,533 |
| Credit loss provision to net charge-offs | 251.8519% | 912 |
| Earnings coverage of net charge-offs (x) | 29.5926% | 1,162 |
| Efficiency ratio | 46.9414% | 6,067 |
| Assets per employee ($millions) | 7.3936% | 714 |
| Cash dividends to net income (ytd only)* | 133.6207% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 2,528 |
| Loan loss allowance to noncurrent loans | 118.9687% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 3,195 |
| Noncurrent loans to loans | 1.2448% | 2,298 |
| Net loans and leases to total assets | 55.3585% | 4,276 |
| Net loans and leases to deposits | 66.3294% | 4,117 |
| Net loans and leases to core deposits | 68.9566% | 4,244 |
| Total domestic deposits to total assets | 83.4600% | 4,020 |
| Equity capital to assets | 13.4092% | 1,213 |
| Core capital (leverage) ratio | 13.0056% | 1,153 |
| Tier 1 risk-based capital ratio | 19.0697% | 1,847 |
| Total risk-based capital ratio | 20.3005% | 1,811 |
| Memoranda: | ||
| Average total assets | $152,355,500 | 3,617 |
| Average earning assets | $140,442,500 | 3,618 |
| Average equity | $20,821,000 | 3,152 |
| Average total loans | $88,494,500 | 3,687 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 899 |
| Cost of funding earning assets | 0.5065% | 2,604 |
| Net interest margin | 4.4108% | 870 |
| Noninterest income to average assets | 0.6596% | 2,509 |
| Noninterest expense to average assets | 2.2089% | 5,333 |
| Loan and lease loss provision to assets | 0.5636% | 255 |
| Net operating income to assets | 1.8444% | 433 |
| Return on assets (ROA) | 1.8457% | 449 |
| Pretax return on assets | 1.9418% | 574 |
| Return on Equity (ROE) | 13.5799% | 1,019 |
| Retained earnings to average equity (ytd only) | 8.8091% | 744 |
| Net charge-offs to loans | 0.0215% | 4,413 |
| Credit loss provision to net charge-offs | 4,466.6667% | 69 |
| Earnings coverage of net charge-offs (x) | 198.4444% | 271 |
| Efficiency ratio | 45.3667% | 6,288 |
| Assets per employee ($millions) | 7.1164% | 795 |
| Cash dividends to net income (ytd only)* | 35.1310% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 2,978 |
| Loan loss allowance to noncurrent loans | 161.4194% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 3,824 |
| Noncurrent loans to loans | 0.8636% | 3,159 |
| Net loans and leases to total assets | 59.2144% | 3,894 |
| Net loans and leases to deposits | 71.5639% | 3,729 |
| Net loans and leases to core deposits | 74.2304% | 3,900 |
| Total domestic deposits to total assets | 82.7435% | 4,167 |
| Equity capital to assets | 13.9329% | 978 |
| Core capital (leverage) ratio | 13.2623% | 1,037 |
| Tier 1 risk-based capital ratio | 19.5310% | 1,716 |
| Total risk-based capital ratio | 20.7815% | 1,682 |
| Memoranda: | ||
| Average total assets | $142,652,200 | 3,748 |
| Average earning assets | $131,086,800 | 3,745 |
| Average equity | $19,389,000 | 3,233 |
| Average total loans | $83,763,400 | 3,774 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 907 |
| Cost of funding earning assets | 0.5218% | 2,553 |
| Net interest margin | 4.3907% | 895 |
| Noninterest income to average assets | 0.7066% | 2,295 |
| Noninterest expense to average assets | 2.1926% | 5,369 |
| Loan and lease loss provision to assets | 0.5136% | 290 |
| Net operating income to assets | 1.9326% | 394 |
| Return on assets (ROA) | 1.9344% | 404 |
| Pretax return on assets | 2.0299% | 532 |
| Return on Equity (ROE) | 14.3273% | 925 |
| Retained earnings to average equity (ytd only) | 9.5983% | 809 |
| Net charge-offs to loans | 0.0292% | 3,900 |
| Credit loss provision to net charge-offs | 3,016.6667% | 124 |
| Earnings coverage of net charge-offs (x) | 149.2742% | 418 |
| Efficiency ratio | 44.7952% | 6,336 |
| Assets per employee ($millions) | 6.4136% | 1,070 |
| Cash dividends to net income (ytd only)* | 33.0074% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,427 |
| Loan loss allowance to noncurrent loans | 108.4337% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 3,472 |
| Noncurrent loans to loans | 1.0725% | 2,929 |
| Net loans and leases to total assets | 59.6329% | 3,858 |
| Net loans and leases to deposits | 73.6015% | 3,483 |
| Net loans and leases to core deposits | 76.9742% | 3,641 |
| Total domestic deposits to total assets | 81.0213% | 4,817 |
| Equity capital to assets | 14.3721% | 890 |
| Core capital (leverage) ratio | 13.7289% | 919 |
| Tier 1 risk-based capital ratio | 20.1841% | 1,626 |
| Total risk-based capital ratio | 21.2338% | 1,648 |
| Memoranda: | ||
| Average total assets | $140,954,000 | 3,809 |
| Average earning assets | $129,301,750 | 3,799 |
| Average equity | $19,030,750 | 3,298 |
| Average total loans | $82,268,250 | 3,839 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 919 |
| Cost of funding earning assets | 0.5308% | 2,529 |
| Net interest margin | 4.3626% | 916 |
| Noninterest income to average assets | 0.5749% | 2,960 |
| Noninterest expense to average assets | 2.1901% | 5,443 |
| Loan and lease loss provision to assets | 0.4854% | 309 |
| Net operating income to assets | 1.8014% | 490 |
| Return on assets (ROA) | 1.8040% | 505 |
| Pretax return on assets | 1.8921% | 696 |
| Return on Equity (ROE) | 13.6559% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.0896% | 962 |
| Net charge-offs to loans | 0.0443% | 3,347 |
| Credit loss provision to net charge-offs | 1,900.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 92.9444% | 583 |
| Efficiency ratio | 47.9789% | 6,288 |
| Assets per employee ($millions) | 5.7838% | 1,444 |
| Cash dividends to net income (ytd only)* | 33.4382% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 5,507 |
| Loan loss allowance to noncurrent loans | 95.6364% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 4,157 |
| Noncurrent loans to loans | 1.0085% | 3,219 |
| Net loans and leases to total assets | 58.3668% | 3,940 |
| Net loans and leases to deposits | 71.2305% | 3,675 |
| Net loans and leases to core deposits | 74.4961% | 3,784 |
| Total domestic deposits to total assets | 81.9408% | 4,666 |
| Equity capital to assets | 14.0847% | 937 |
| Core capital (leverage) ratio | 13.3618% | 1,029 |
| Tier 1 risk-based capital ratio | 20.6062% | 1,541 |
| Total risk-based capital ratio | 21.4684% | 1,605 |
| Memoranda: | ||
| Average total assets | $140,905,330 | 3,833 |
| Average earning assets | $128,867,330 | 3,837 |
| Average equity | $18,614,670 | 3,344 |
| Average total loans | $81,313,670 | 3,869 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 915 |
| Cost of funding earning assets | 0.5391% | 2,513 |
| Net interest margin | 4.3285% | 944 |
| Noninterest income to average assets | 0.5269% | 3,219 |
| Noninterest expense to average assets | 2.0993% | 5,683 |
| Loan and lease loss provision to assets | 0.4537% | 348 |
| Net operating income to assets | 1.8261% | 462 |
| Return on assets (ROA) | 1.8288% | 483 |
| Pretax return on assets | 1.9133% | 633 |
| Return on Equity (ROE) | 14.3058% | 888 |
| Retained earnings to average equity (ytd only) | 10.4483% | 856 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0328% | 6,395 |
| Assets per employee ($millions) | 6.4120% | 1,050 |
| Cash dividends to net income (ytd only)* | 26.9646% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 6,139 |
| Loan loss allowance to noncurrent loans | 67.0954% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 3,954 |
| Noncurrent loans to loans | 1.1692% | 3,096 |
| Net loans and leases to total assets | 56.1235% | 4,132 |
| Net loans and leases to deposits | 67.3781% | 3,924 |
| Net loans and leases to core deposits | 70.4178% | 4,043 |
| Total domestic deposits to total assets | 83.2962% | 4,498 |
| Equity capital to assets | 13.2117% | 1,209 |
| Core capital (leverage) ratio | 13.1848% | 1,093 |
| Tier 1 risk-based capital ratio | 20.3074% | 1,648 |
| Total risk-based capital ratio | 20.9950% | 1,751 |
| Memoranda: | ||
| Average total assets | $141,953,000 | 3,851 |
| Average earning assets | $129,099,000 | 3,857 |
| Average equity | $18,146,500 | 3,404 |
| Average total loans | $81,066,500 | 3,903 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 4,309 |
| Cost of funding earning assets | 0.4923% | 3,683 |
| Net interest margin | 3.4509% | 4,097 |
| Noninterest income to average assets | 0.5123% | 3,683 |
| Noninterest expense to average assets | 1.7423% | 6,398 |
| Loan and lease loss provision to assets | 0.3578% | 875 |
| Net operating income to assets | 1.4984% | 829 |
| Return on assets (ROA) | 1.4964% | 870 |
| Pretax return on assets | 1.5786% | 1,225 |
| Return on Equity (ROE) | 11.4934% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.4119% | 1,273 |
| Net charge-offs to loans | 0.0514% | 4,498 |
| Credit loss provision to net charge-offs | 1,262.5000% | 197 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 617 |
| Efficiency ratio | 47.3340% | 6,510 |
| Assets per employee ($millions) | 6.2105% | 1,139 |
| Cash dividends to net income (ytd only)* | 35.5114% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 6,507 |
| Loan loss allowance to noncurrent loans | 37.8664% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 3,498 |
| Noncurrent loans to loans | 1.4914% | 2,656 |
| Net loans and leases to total assets | 57.3165% | 4,145 |
| Net loans and leases to deposits | 68.3611% | 3,993 |
| Net loans and leases to core deposits | 71.4771% | 4,130 |
| Total domestic deposits to total assets | 83.8437% | 4,225 |
| Equity capital to assets | 12.3605% | 1,587 |
| Core capital (leverage) ratio | 12.8110% | 1,219 |
| Tier 1 risk-based capital ratio | 19.3528% | 1,827 |
| Total risk-based capital ratio | 19.8524% | 2,017 |
| Memoranda: | ||
| Average total assets | $141,139,000 | 3,856 |
| Average earning assets | $129,588,200 | 3,853 |
| Average equity | $18,375,800 | 3,357 |
| Average total loans | $77,826,400 | 4,007 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 5,630 |
| Cost of funding earning assets | 0.4688% | 4,074 |
| Net interest margin | 3.0552% | 5,448 |
| Noninterest income to average assets | 0.4662% | 4,027 |
| Noninterest expense to average assets | 1.5587% | 6,593 |
| Loan and lease loss provision to assets | 0.2729% | 1,284 |
| Net operating income to assets | 1.3809% | 1,147 |
| Return on assets (ROA) | 1.3701% | 1,221 |
| Pretax return on assets | 1.4393% | 1,802 |
| Return on Equity (ROE) | 10.3900% | 2,041 |
| Retained earnings to average equity (ytd only) | 6.7974% | 1,975 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4885% | 6,525 |
| Assets per employee ($millions) | 6.2304% | 1,095 |
| Cash dividends to net income (ytd only)* | 34.5782% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3658% | 6,741 |
| Loan loss allowance to noncurrent loans | 34.7407% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 4,537 |
| Noncurrent loans to loans | 1.0530% | 3,696 |
| Net loans and leases to total assets | 57.2256% | 4,137 |
| Net loans and leases to deposits | 68.7588% | 3,965 |
| Net loans and leases to core deposits | 72.0527% | 4,085 |
| Total domestic deposits to total assets | 83.2266% | 4,492 |
| Equity capital to assets | 12.6448% | 1,505 |
| Core capital (leverage) ratio | 12.9842% | 1,215 |
| Tier 1 risk-based capital ratio | 19.7893% | 1,790 |
| Total risk-based capital ratio | 20.1131% | 1,992 |
| Memoranda: | ||
| Average total assets | $140,713,250 | 3,900 |
| Average earning assets | $129,697,750 | 3,891 |
| Average equity | $18,555,750 | 3,373 |
| Average total loans | $76,698,750 | 4,069 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9752% | 6,472 |
| Cost of funding earning assets | 0.4076% | 4,868 |
| Net interest margin | 2.5677% | 6,366 |
| Noninterest income to average assets | 0.3650% | 4,783 |
| Noninterest expense to average assets | 1.3302% | 6,770 |
| Loan and lease loss provision to assets | 0.2255% | 1,678 |
| Net operating income to assets | 1.1189% | 1,869 |
| Return on assets (ROA) | 1.1189% | 1,985 |
| Pretax return on assets | 1.1795% | 2,765 |
| Return on Equity (ROE) | 8.3739% | 2,907 |
| Retained earnings to average equity (ytd only) | 5.7373% | 2,590 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6347% | 6,502 |
| Assets per employee ($millions) | 5.5241% | 1,563 |
| Cash dividends to net income (ytd only)* | 31.4861% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2133% | 6,831 |
| Loan loss allowance to noncurrent loans | 15.6250% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 4,293 |
| Noncurrent loans to loans | 1.3651% | 3,274 |
| Net loans and leases to total assets | 54.2001% | 4,563 |
| Net loans and leases to deposits | 64.1730% | 4,476 |
| Net loans and leases to core deposits | 67.1595% | 4,576 |
| Total domestic deposits to total assets | 84.4594% | 4,141 |
| Equity capital to assets | 11.8404% | 2,013 |
| Core capital (leverage) ratio | 12.2730% | 1,464 |
| Tier 1 risk-based capital ratio | 19.8479% | 1,755 |
| Total risk-based capital ratio | 20.0326% | 2,018 |
| Memoranda: | ||
| Average total assets | $141,928,330 | 3,909 |
| Average earning assets | $131,014,670 | 3,884 |
| Average equity | $18,963,670 | 3,334 |
| Average total loans | $76,023,000 | 4,103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5695% | 6,959 |
| Cost of funding earning assets | 0.2157% | 6,502 |
| Net interest margin | 1.3539% | 6,949 |
| Noninterest income to average assets | 0.1585% | 6,313 |
| Noninterest expense to average assets | 0.6285% | 6,989 |
| Loan and lease loss provision to assets | 0.0278% | 4,116 |
| Net operating income to assets | 0.7314% | 3,532 |
| Return on assets (ROA) | 0.7314% | 3,670 |
| Pretax return on assets | 0.7592% | 4,331 |
| Return on Equity (ROE) | 5.1901% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.1901% | 3,120 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4008% | 6,757 |
| Assets per employee ($millions) | 5.5586% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0136% | 6,957 |
| Loan loss allowance to noncurrent loans | 0.8554% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 4,245 |
| Noncurrent loans to loans | 1.5902% | 3,152 |
| Net loans and leases to total assets | 52.8928% | 4,572 |
| Net loans and leases to deposits | 63.0659% | 4,413 |
| Net loans and leases to core deposits | 66.3298% | 4,491 |
| Total domestic deposits to total assets | 83.8692% | 4,534 |
| Equity capital to assets | 12.6227% | 1,632 |
| Core capital (leverage) ratio | 12.5583% | 1,311 |
| Tier 1 risk-based capital ratio | 20.3504% | 1,688 |
| Total risk-based capital ratio | 20.3622% | 1,983 |
| Memoranda: | ||
| Average total assets | $143,841,000 | 3,915 |
| Average earning assets | $133,541,500 | 3,867 |
| Average equity | $20,269,500 | 3,221 |
| Average total loans | $76,528,500 | 4,120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,258 |
| Cost of funding earning assets | 0.8784% | 2,077 |
| Net interest margin | 3.9044% | 2,806 |
| Noninterest income to average assets | 0.5911% | 3,327 |
| Noninterest expense to average assets | 2.1560% | 6,009 |
| Loan and lease loss provision to assets | 0.1697% | 3,499 |
| Net operating income to assets | 1.8554% | 466 |
| Return on assets (ROA) | 1.8554% | 516 |
| Pretax return on assets | 1.9334% | 690 |
| Return on Equity (ROE) | 12.3958% | 1,389 |
| Retained earnings to average equity (ytd only) | 7.4085% | 1,374 |
| Net charge-offs to loans | 0.7267% | 1,617 |
| Credit loss provision to net charge-offs | 41.6667% | 4,903 |
| Earnings coverage of net charge-offs (x) | 5.1650% | 3,127 |
| Efficiency ratio | 50.6214% | 6,547 |
| Assets per employee ($millions) | 5.9487% | 1,318 |
| Cash dividends to net income (ytd only)* | 40.2341% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7858% | 830 |
| Loan loss allowance to noncurrent loans | 309.4972% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 5,235 |
| Noncurrent loans to loans | 0.9001% | 4,383 |
| Net loans and leases to total assets | 51.9971% | 4,926 |
| Net loans and leases to deposits | 64.3491% | 4,493 |
| Net loans and leases to core deposits | 67.5539% | 4,585 |
| Total domestic deposits to total assets | 80.8046% | 5,456 |
| Equity capital to assets | 15.4642% | 640 |
| Core capital (leverage) ratio | 13.9948% | 803 |
| Tier 1 risk-based capital ratio | 23.6178% | 1,017 |
| Total risk-based capital ratio | 24.8827% | 998 |
| Memoranda: | ||
| Average total assets | $147,354,000 | 3,817 |
| Average earning assets | $138,433,200 | 3,747 |
| Average equity | $22,055,800 | 2,967 |
| Average total loans | $82,569,000 | 3,955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,163 |
| Cost of funding earning assets | 0.9121% | 2,094 |
| Net interest margin | 3.9463% | 2,718 |
| Noninterest income to average assets | 0.6457% | 3,015 |
| Noninterest expense to average assets | 2.1839% | 5,987 |
| Loan and lease loss provision to assets | 0.2267% | 2,796 |
| Net operating income to assets | 1.8547% | 514 |
| Return on assets (ROA) | 1.8547% | 584 |
| Pretax return on assets | 1.9472% | 783 |
| Return on Equity (ROE) | 12.4957% | 1,465 |
| Retained earnings to average equity (ytd only) | 8.8295% | 1,294 |
| Net charge-offs to loans | 0.8593% | 1,280 |
| Credit loss provision to net charge-offs | 46.5549% | 4,481 |
| Earnings coverage of net charge-offs (x) | 4.4637% | 3,298 |
| Efficiency ratio | 50.1145% | 6,583 |
| Assets per employee ($millions) | 5.8335% | 1,348 |
| Cash dividends to net income (ytd only)* | 29.3398% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9619% | 748 |
| Loan loss allowance to noncurrent loans | 2,650.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 6,515 |
| Noncurrent loans to loans | 0.1118% | 6,334 |
| Net loans and leases to total assets | 51.1965% | 5,156 |
| Net loans and leases to deposits | 63.6381% | 4,759 |
| Net loans and leases to core deposits | 66.7340% | 4,873 |
| Total domestic deposits to total assets | 80.4495% | 5,531 |
| Equity capital to assets | 15.7154% | 659 |
| Core capital (leverage) ratio | 14.1525% | 784 |
| Tier 1 risk-based capital ratio | 24.0919% | 1,011 |
| Total risk-based capital ratio | 25.3593% | 987 |
| Memoranda: | ||
| Average total assets | $147,013,000 | 3,867 |
| Average earning assets | $138,287,000 | 3,785 |
| Average equity | $21,820,250 | 3,017 |
| Average total loans | $83,325,000 | 3,976 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 2,091 |
| Cost of funding earning assets | 0.9330% | 2,161 |
| Net interest margin | 3.9715% | 2,629 |
| Noninterest income to average assets | 0.5617% | 3,515 |
| Noninterest expense to average assets | 2.2822% | 5,790 |
| Loan and lease loss provision to assets | 0.2714% | 2,413 |
| Net operating income to assets | 1.6580% | 737 |
| Return on assets (ROA) | 1.6580% | 823 |
| Pretax return on assets | 1.7449% | 1,150 |
| Return on Equity (ROE) | 11.3918% | 1,852 |
| Retained earnings to average equity (ytd only) | 7.6629% | 1,779 |
| Net charge-offs to loans | 0.4892% | 2,120 |
| Credit loss provision to net charge-offs | 95.6938% | 2,884 |
| Earnings coverage of net charge-offs (x) | 7.1100% | 2,526 |
| Efficiency ratio | 53.0934% | 6,406 |
| Assets per employee ($millions) | 5.6992% | 1,443 |
| Cash dividends to net income (ytd only)* | 32.7332% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1751% | 662 |
| Loan loss allowance to noncurrent loans | 437.0940% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 4,613 |
| Noncurrent loans to loans | 0.7264% | 5,053 |
| Net loans and leases to total assets | 52.6232% | 5,016 |
| Net loans and leases to deposits | 64.4419% | 4,702 |
| Net loans and leases to core deposits | 67.4574% | 4,851 |
| Total domestic deposits to total assets | 81.6599% | 5,243 |
| Equity capital to assets | 14.7674% | 842 |
| Core capital (leverage) ratio | 13.5257% | 970 |
| Tier 1 risk-based capital ratio | 22.5717% | 1,189 |
| Total risk-based capital ratio | 23.8415% | 1,170 |
| Memoranda: | ||
| Average total assets | $147,404,670 | 3,882 |
| Average earning assets | $138,688,330 | 3,805 |
| Average equity | $21,454,000 | 3,053 |
| Average total loans | $85,452,330 | 3,928 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 1,845 |
| Cost of funding earning assets | 0.9684% | 2,173 |
| Net interest margin | 4.0447% | 2,316 |
| Noninterest income to average assets | 0.6503% | 2,929 |
| Noninterest expense to average assets | 2.2392% | 5,942 |
| Loan and lease loss provision to assets | 0.3401% | 1,837 |
| Net operating income to assets | 1.7685% | 640 |
| Return on assets (ROA) | 1.7685% | 718 |
| Pretax return on assets | 1.8664% | 939 |
| Return on Equity (ROE) | 12.2411% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.4746% | 1,789 |
| Net charge-offs to loans | 0.1593% | 3,138 |
| Credit loss provision to net charge-offs | 357.1429% | 861 |
| Earnings coverage of net charge-offs (x) | 23.1714% | 1,099 |
| Efficiency ratio | 50.3672% | 6,651 |
| Assets per employee ($millions) | 5.6480% | 1,567 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1546% | 712 |
| Loan loss allowance to noncurrent loans | 213.8486% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 4,399 |
| Noncurrent loans to loans | 1.4751% | 3,907 |
| Net loans and leases to total assets | 55.5257% | 4,465 |
| Net loans and leases to deposits | 67.9203% | 4,074 |
| Net loans and leases to core deposits | 70.9738% | 4,293 |
| Total domestic deposits to total assets | 81.7513% | 5,373 |
| Equity capital to assets | 14.5830% | 840 |
| Core capital (leverage) ratio | 13.6817% | 881 |
| Tier 1 risk-based capital ratio | 20.4416% | 1,608 |
| Total risk-based capital ratio | 21.7098% | 1,575 |
| Memoranda: | ||
| Average total assets | $147,018,000 | 3,923 |
| Average earning assets | $137,959,000 | 3,850 |
| Average equity | $21,240,000 | 3,082 |
| Average total loans | $87,912,000 | 3,886 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 1,107 |
| Cost of funding earning assets | 1.2098% | 1,966 |
| Net interest margin | 4.3161% | 1,649 |
| Noninterest income to average assets | 0.5090% | 3,785 |
| Noninterest expense to average assets | 2.2681% | 6,122 |
| Loan and lease loss provision to assets | 1.0284% | 914 |
| Net operating income to assets | 1.1872% | 1,536 |
| Return on assets (ROA) | 1.2438% | 1,494 |
| Pretax return on assets | 1.3248% | 2,039 |
| Return on Equity (ROE) | 8.7562% | 2,561 |
| Retained earnings to average equity (ytd only) | 1.9307% | 4,833 |
| Net charge-offs to loans | 1.4919% | 1,073 |
| Credit loss provision to net charge-offs | 103.7736% | 3,325 |
| Earnings coverage of net charge-offs (x) | 2.3138% | 4,059 |
| Efficiency ratio | 49.7267% | 6,851 |
| Assets per employee ($millions) | 5.8875% | 1,315 |
| Cash dividends to net income (ytd only)* | 77.9510% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8004% | 981 |
| Loan loss allowance to noncurrent loans | 190.2150% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 3,756 |
| Noncurrent loans to loans | 1.4722% | 3,951 |
| Net loans and leases to total assets | 60.5101% | 3,890 |
| Net loans and leases to deposits | 73.6923% | 3,546 |
| Net loans and leases to core deposits | 77.1409% | 3,805 |
| Total domestic deposits to total assets | 82.1119% | 5,092 |
| Equity capital to assets | 14.3117% | 966 |
| Core capital (leverage) ratio | 13.3914% | 1,013 |
| Tier 1 risk-based capital ratio | 18.7773% | 1,964 |
| Total risk-based capital ratio | 20.0428% | 1,917 |
| Memoranda: | ||
| Average total assets | $144,397,000 | 3,902 |
| Average earning assets | $135,560,800 | 3,828 |
| Average equity | $20,511,200 | 3,066 |
| Average total loans | $95,915,800 | 3,728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6007% | 1,032 |
| Cost of funding earning assets | 1.2555% | 1,963 |
| Net interest margin | 4.3452% | 1,575 |
| Noninterest income to average assets | 0.5085% | 3,805 |
| Noninterest expense to average assets | 2.1544% | 6,385 |
| Loan and lease loss provision to assets | 0.8211% | 1,133 |
| Net operating income to assets | 1.5396% | 871 |
| Return on assets (ROA) | 1.6163% | 823 |
| Pretax return on assets | 1.6952% | 1,158 |
| Return on Equity (ROE) | 11.4006% | 1,724 |
| Retained earnings to average equity (ytd only) | 7.4739% | 1,721 |
| Net charge-offs to loans | 0.8894% | 1,792 |
| Credit loss provision to net charge-offs | 136.7852% | 2,328 |
| Earnings coverage of net charge-offs (x) | 4.0572% | 3,195 |
| Efficiency ratio | 46.9375% | 7,019 |
| Assets per employee ($millions) | 6.1347% | 1,128 |
| Cash dividends to net income (ytd only)* | 34.4431% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9428% | 904 |
| Loan loss allowance to noncurrent loans | 196.5690% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 3,714 |
| Noncurrent loans to loans | 1.4971% | 4,049 |
| Net loans and leases to total assets | 64.2816% | 3,252 |
| Net loans and leases to deposits | 83.0769% | 2,161 |
| Net loans and leases to core deposits | 87.1839% | 2,604 |
| Total domestic deposits to total assets | 77.3760% | 6,316 |
| Equity capital to assets | 15.4113% | 741 |
| Core capital (leverage) ratio | 14.1101% | 880 |
| Tier 1 risk-based capital ratio | 20.4213% | 1,584 |
| Total risk-based capital ratio | 21.6899% | 1,552 |
| Memoranda: | ||
| Average total assets | $143,699,500 | 3,930 |
| Average earning assets | $134,980,500 | 3,864 |
| Average equity | $20,372,750 | 3,093 |
| Average total loans | $96,987,500 | 3,725 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5811% | 1,106 |
| Cost of funding earning assets | 1.2885% | 2,013 |
| Net interest margin | 4.2926% | 1,693 |
| Noninterest income to average assets | 0.6530% | 2,811 |
| Noninterest expense to average assets | 2.2260% | 6,311 |
| Loan and lease loss provision to assets | 0.9477% | 932 |
| Net operating income to assets | 1.4375% | 1,004 |
| Return on assets (ROA) | 1.5190% | 910 |
| Pretax return on assets | 1.5979% | 1,264 |
| Return on Equity (ROE) | 11.0267% | 1,789 |
| Retained earnings to average equity (ytd only) | 9.0182% | 1,104 |
| Net charge-offs to loans | 1.0472% | 1,503 |
| Credit loss provision to net charge-offs | 133.2685% | 2,297 |
| Earnings coverage of net charge-offs (x) | 3.4591% | 3,159 |
| Efficiency ratio | 47.5052% | 7,086 |
| Assets per employee ($millions) | 5.4738% | 1,593 |
| Cash dividends to net income (ytd only)* | 18.2149% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8390% | 1,044 |
| Loan loss allowance to noncurrent loans | 158.4761% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6674% | 3,677 |
| Noncurrent loans to loans | 1.7915% | 3,768 |
| Net loans and leases to total assets | 64.5173% | 3,354 |
| Net loans and leases to deposits | 79.7341% | 2,840 |
| Net loans and leases to core deposits | 83.4296% | 3,304 |
| Total domestic deposits to total assets | 80.9155% | 5,551 |
| Equity capital to assets | 14.6424% | 906 |
| Core capital (leverage) ratio | 13.7797% | 926 |
| Tier 1 risk-based capital ratio | 20.0870% | 1,596 |
| Total risk-based capital ratio | 21.3552% | 1,569 |
| Memoranda: | ||
| Average total assets | $144,566,670 | 3,943 |
| Average earning assets | $135,815,670 | 3,861 |
| Average equity | $19,915,330 | 3,139 |
| Average total loans | $98,166,670 | 3,740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6204% | 1,019 |
| Cost of funding earning assets | 1.3326% | 1,992 |
| Net interest margin | 4.2878% | 1,596 |
| Noninterest income to average assets | 0.5546% | 3,473 |
| Noninterest expense to average assets | 2.0454% | 6,744 |
| Loan and lease loss provision to assets | 0.9609% | 818 |
| Net operating income to assets | 1.5018% | 869 |
| Return on assets (ROA) | 1.5018% | 915 |
| Pretax return on assets | 1.5677% | 1,261 |
| Return on Equity (ROE) | 11.2473% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.2473% | 850 |
| Net charge-offs to loans | 1.6560% | 808 |
| Credit loss provision to net charge-offs | 84.5411% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.2246% | 3,208 |
| Efficiency ratio | 44.7179% | 7,258 |
| Assets per employee ($millions) | 6.0616% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 1,482 |
| Loan loss allowance to noncurrent loans | 175.2326% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2421% | 4,466 |
| Noncurrent loans to loans | 1.4174% | 4,339 |
| Net loans and leases to total assets | 66.0677% | 2,989 |
| Net loans and leases to deposits | 79.6318% | 2,782 |
| Net loans and leases to core deposits | 83.7602% | 3,192 |
| Total domestic deposits to total assets | 82.9665% | 4,947 |
| Equity capital to assets | 13.6605% | 1,123 |
| Core capital (leverage) ratio | 13.5519% | 953 |
| Tier 1 risk-based capital ratio | 18.8824% | 1,832 |
| Total risk-based capital ratio | 20.1462% | 1,793 |
| Memoranda: | ||
| Average total assets | $145,690,000 | 3,960 |
| Average earning assets | $136,574,500 | 3,884 |
| Average equity | $19,453,500 | 3,196 |
| Average total loans | $99,998,000 | 3,720 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9895% | 865 |
| Cost of funding earning assets | 1.6046% | 2,050 |
| Net interest margin | 4.3850% | 1,534 |
| Noninterest income to average assets | 0.5494% | 3,831 |
| Noninterest expense to average assets | 2.0905% | 6,870 |
| Loan and lease loss provision to assets | 1.6412% | 874 |
| Net operating income to assets | 0.8912% | 2,422 |
| Return on assets (ROA) | 1.0162% | 2,092 |
| Pretax return on assets | 1.0652% | 2,713 |
| Return on Equity (ROE) | 7.7611% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.1464% | 1,263 |
| Net charge-offs to loans | 1.4799% | 1,485 |
| Credit loss provision to net charge-offs | 154.1749% | 2,300 |
| Earnings coverage of net charge-offs (x) | 2.4188% | 3,922 |
| Efficiency ratio | 44.8095% | 7,389 |
| Assets per employee ($millions) | 5.8361% | 1,327 |
| Cash dividends to net income (ytd only)* | 7.9201% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 1,434 |
| Loan loss allowance to noncurrent loans | 200.4789% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 4,729 |
| Noncurrent loans to loans | 1.2353% | 4,657 |
| Net loans and leases to total assets | 67.8003% | 3,028 |
| Net loans and leases to deposits | 81.2688% | 2,939 |
| Net loans and leases to core deposits | 85.6052% | 3,384 |
| Total domestic deposits to total assets | 83.4272% | 4,637 |
| Equity capital to assets | 13.0457% | 1,375 |
| Core capital (leverage) ratio | 12.9524% | 1,141 |
| Tier 1 risk-based capital ratio | 17.9347% | 2,017 |
| Total risk-based capital ratio | 19.1989% | 1,977 |
| Memoranda: | ||
| Average total assets | $142,883,600 | 4,008 |
| Average earning assets | $134,117,800 | 3,927 |
| Average equity | $18,708,800 | 3,313 |
| Average total loans | $102,780,000 | 3,719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0724% | 804 |
| Cost of funding earning assets | 1.6451% | 2,136 |
| Net interest margin | 4.4273% | 1,440 |
| Noninterest income to average assets | 0.6736% | 2,992 |
| Noninterest expense to average assets | 2.0591% | 6,936 |
| Loan and lease loss provision to assets | 2.0122% | 592 |
| Net operating income to assets | 0.7184% | 3,329 |
| Return on assets (ROA) | 0.8574% | 2,916 |
| Pretax return on assets | 0.9015% | 3,550 |
| Return on Equity (ROE) | 6.5422% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.5422% | 2,067 |
| Net charge-offs to loans | 1.5477% | 1,291 |
| Credit loss provision to net charge-offs | 179.1980% | 2,054 |
| Earnings coverage of net charge-offs (x) | 2.4645% | 3,937 |
| Efficiency ratio | 42.6628% | 7,506 |
| Assets per employee ($millions) | 5.9819% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 1,228 |
| Loan loss allowance to noncurrent loans | 171.5029% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 4,196 |
| Noncurrent loans to loans | 1.5072% | 4,377 |
| Net loans and leases to total assets | 69.1960% | 2,937 |
| Net loans and leases to deposits | 83.4281% | 2,802 |
| Net loans and leases to core deposits | 87.9631% | 3,374 |
| Total domestic deposits to total assets | 82.9409% | 4,617 |
| Equity capital to assets | 13.7122% | 1,274 |
| Core capital (leverage) ratio | 13.0338% | 1,215 |
| Tier 1 risk-based capital ratio | 17.6047% | 2,136 |
| Total risk-based capital ratio | 18.8700% | 2,109 |
| Memoranda: | ||
| Average total assets | $142,129,000 | 4,075 |
| Average earning assets | $133,322,250 | 4,002 |
| Average equity | $18,627,500 | 3,368 |
| Average total loans | $103,116,500 | 3,761 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0868% | 777 |
| Cost of funding earning assets | 1.6797% | 2,225 |
| Net interest margin | 4.4071% | 1,427 |
| Noninterest income to average assets | 0.6580% | 2,966 |
| Noninterest expense to average assets | 2.0318% | 7,047 |
| Loan and lease loss provision to assets | 2.8874% | 350 |
| Net operating income to assets | -0.1271% | 6,264 |
| Return on assets (ROA) | 0.0452% | 6,104 |
| Pretax return on assets | 0.0452% | 6,081 |
| Return on Equity (ROE) | 0.3502% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.3502% | 5,619 |
| Net charge-offs to loans | 1.6735% | 1,121 |
| Credit loss provision to net charge-offs | 236.1432% | 1,635 |
| Earnings coverage of net charge-offs (x) | 2.2575% | 3,879 |
| Efficiency ratio | 42.3984% | 7,569 |
| Assets per employee ($millions) | 5.2461% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7630% | 1,030 |
| Loan loss allowance to noncurrent loans | 132.7315% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 1.9888% | 3,512 |
| Noncurrent loans to loans | 2.0817% | 3,618 |
| Net loans and leases to total assets | 71.2321% | 2,606 |
| Net loans and leases to deposits | 85.3532% | 2,622 |
| Net loans and leases to core deposits | 89.8227% | 3,300 |
| Total domestic deposits to total assets | 83.4557% | 4,363 |
| Equity capital to assets | 12.8661% | 1,623 |
| Core capital (leverage) ratio | 12.0783% | 1,602 |
| Tier 1 risk-based capital ratio | 16.6855% | 2,409 |
| Total risk-based capital ratio | 17.9530% | 2,348 |
| Memoranda: | ||
| Average total assets | $141,650,000 | 4,106 |
| Average earning assets | $132,877,000 | 4,042 |
| Average equity | $18,274,670 | 3,419 |
| Average total loans | $103,496,000 | 3,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2207% | 614 |
| Cost of funding earning assets | 1.6922% | 2,426 |
| Net interest margin | 4.5285% | 1,085 |
| Noninterest income to average assets | 0.6269% | 3,105 |
| Noninterest expense to average assets | 2.0049% | 7,151 |
| Loan and lease loss provision to assets | 1.4119% | 844 |
| Net operating income to assets | 1.3865% | 1,104 |
| Return on assets (ROA) | 1.3865% | 1,180 |
| Pretax return on assets | 1.4571% | 1,623 |
| Return on Equity (ROE) | 10.7322% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.7322% | 979 |
| Net charge-offs to loans | 1.8575% | 931 |
| Credit loss provision to net charge-offs | 104.1667% | 3,287 |
| Earnings coverage of net charge-offs (x) | 2.1167% | 3,480 |
| Efficiency ratio | 41.1356% | 7,703 |
| Assets per employee ($millions) | 5.8975% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 3,233 |
| Loan loss allowance to noncurrent loans | 107.3539% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 3,976 |
| Noncurrent loans to loans | 1.5411% | 4,438 |
| Net loans and leases to total assets | 71.7308% | 2,515 |
| Net loans and leases to deposits | 86.6493% | 2,475 |
| Net loans and leases to core deposits | 90.6499% | 3,277 |
| Total domestic deposits to total assets | 82.7828% | 4,726 |
| Equity capital to assets | 13.1314% | 1,472 |
| Core capital (leverage) ratio | 12.8137% | 1,286 |
| Tier 1 risk-based capital ratio | 17.0655% | 2,247 |
| Total risk-based capital ratio | 18.3197% | 2,196 |
| Memoranda: | ||
| Average total assets | $141,653,000 | 4,166 |
| Average earning assets | $132,847,500 | 4,102 |
| Average equity | $18,300,000 | 3,436 |
| Average total loans | $103,362,500 | 3,845 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3138% | 1,002 |
| Cost of funding earning assets | 2.0503% | 2,723 |
| Net interest margin | 4.2635% | 1,844 |
| Noninterest income to average assets | 0.7042% | 2,938 |
| Noninterest expense to average assets | 2.2495% | 6,872 |
| Loan and lease loss provision to assets | 1.5657% | 1,467 |
| Net operating income to assets | 0.8460% | 2,365 |
| Return on assets (ROA) | 0.9345% | 2,126 |
| Pretax return on assets | 0.9647% | 2,716 |
| Return on Equity (ROE) | 7.5915% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.5915% | 807 |
| Net charge-offs to loans | 1.9713% | 1,248 |
| Credit loss provision to net charge-offs | 108.9399% | 5,074 |
| Earnings coverage of net charge-offs (x) | 1.6971% | 4,467 |
| Efficiency ratio | 47.9784% | 7,631 |
| Assets per employee ($millions) | 5.4526% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 3,160 |
| Loan loss allowance to noncurrent loans | 153.3152% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 4,386 |
| Noncurrent loans to loans | 1.0639% | 5,193 |
| Net loans and leases to total assets | 71.8094% | 2,804 |
| Net loans and leases to deposits | 87.6447% | 2,620 |
| Net loans and leases to core deposits | 109.0553% | 2,995 |
| Total domestic deposits to total assets | 81.9323% | 4,982 |
| Equity capital to assets | 12.7068% | 1,642 |
| Core capital (leverage) ratio | 12.4753% | 1,467 |
| Tier 1 risk-based capital ratio | 16.5276% | 2,311 |
| Total risk-based capital ratio | 17.7817% | 2,256 |
| Memoranda: | ||
| Average total assets | $142,429,200 | 4,067 |
| Average earning assets | $133,105,200 | 4,028 |
| Average equity | $17,532,800 | 3,580 |
| Average total loans | $103,842,000 | 3,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3287% | 1,071 |
| Cost of funding earning assets | 2.1169% | 2,816 |
| Net interest margin | 4.2118% | 2,008 |
| Noninterest income to average assets | 0.7041% | 2,991 |
| Noninterest expense to average assets | 2.2039% | 6,963 |
| Loan and lease loss provision to assets | 1.2436% | 1,556 |
| Net operating income to assets | 1.1547% | 1,574 |
| Return on assets (ROA) | 1.1847% | 1,554 |
| Pretax return on assets | 1.2202% | 2,197 |
| Return on Equity (ROE) | 9.7016% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.7016% | 690 |
| Net charge-offs to loans | 1.4535% | 1,420 |
| Credit loss provision to net charge-offs | 117.3875% | 4,335 |
| Earnings coverage of net charge-offs (x) | 2.2966% | 4,104 |
| Efficiency ratio | 47.5297% | 7,682 |
| Assets per employee ($millions) | 5.9249% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 2,867 |
| Loan loss allowance to noncurrent loans | 118.0305% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 3,911 |
| Noncurrent loans to loans | 1.3835% | 4,602 |
| Net loans and leases to total assets | 72.1030% | 3,015 |
| Net loans and leases to deposits | 88.6201% | 2,849 |
| Net loans and leases to core deposits | 110.6854% | 3,158 |
| Total domestic deposits to total assets | 81.3619% | 4,937 |
| Equity capital to assets | 13.0114% | 1,689 |
| Core capital (leverage) ratio | 12.2451% | 1,688 |
| Tier 1 risk-based capital ratio | 16.4653% | 2,445 |
| Total risk-based capital ratio | 17.7192% | 2,387 |
| Memoranda: | ||
| Average total assets | $142,594,750 | 4,084 |
| Average earning assets | $133,146,500 | 4,052 |
| Average equity | $17,412,500 | 3,628 |
| Average total loans | $103,930,000 | 3,883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3343% | 1,128 |
| Cost of funding earning assets | 2.1820% | 2,872 |
| Net interest margin | 4.1523% | 2,153 |
| Noninterest income to average assets | 0.6866% | 3,074 |
| Noninterest expense to average assets | 2.1426% | 7,187 |
| Loan and lease loss provision to assets | 1.0229% | 1,654 |
| Net operating income to assets | 1.3270% | 1,169 |
| Return on assets (ROA) | 1.3270% | 1,241 |
| Pretax return on assets | 1.3957% | 1,741 |
| Return on Equity (ROE) | 11.1089% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.1089% | 545 |
| Net charge-offs to loans | 1.3175% | 1,403 |
| Credit loss provision to net charge-offs | 106.7251% | 4,320 |
| Earnings coverage of net charge-offs (x) | 2.5234% | 3,804 |
| Efficiency ratio | 46.9739% | 7,807 |
| Assets per employee ($millions) | 5.4653% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 3,151 |
| Loan loss allowance to noncurrent loans | 119.8609% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.6841% | 3,660 |
| Noncurrent loans to loans | 1.2567% | 4,688 |
| Net loans and leases to total assets | 71.3703% | 3,389 |
| Net loans and leases to deposits | 86.4431% | 3,469 |
| Net loans and leases to core deposits | 108.0458% | 3,604 |
| Total domestic deposits to total assets | 82.5633% | 4,445 |
| Equity capital to assets | 12.3373% | 2,009 |
| Core capital (leverage) ratio | 12.0287% | 1,816 |
| Tier 1 risk-based capital ratio | 16.3505% | 2,501 |
| Total risk-based capital ratio | 17.6016% | 2,449 |
| Memoranda: | ||
| Average total assets | $142,727,000 | 4,120 |
| Average earning assets | $133,179,330 | 4,079 |
| Average equity | $17,049,330 | 3,702 |
| Average total loans | $103,829,670 | 3,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3382% | 1,194 |
| Cost of funding earning assets | 2.1817% | 3,257 |
| Net interest margin | 4.1564% | 2,066 |
| Noninterest income to average assets | 0.6823% | 2,989 |
| Noninterest expense to average assets | 2.0414% | 7,251 |
| Loan and lease loss provision to assets | 1.2584% | 1,015 |
| Net operating income to assets | 1.1913% | 1,679 |
| Return on assets (ROA) | 1.1913% | 1,790 |
| Pretax return on assets | 1.2556% | 2,431 |
| Return on Equity (ROE) | 10.1377% | 2,267 |
| Retained earnings to average equity (ytd only) | 10.1377% | 1,157 |
| Net charge-offs to loans | 1.9221% | 749 |
| Credit loss provision to net charge-offs | 89.8204% | 4,011 |
| Earnings coverage of net charge-offs (x) | 1.7944% | 3,834 |
| Efficiency ratio | 44.8128% | 7,899 |
| Assets per employee ($millions) | 5.7071% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,401 |
| Loan loss allowance to noncurrent loans | 147.0172% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4074% | 3,835 |
| Noncurrent loans to loans | 0.9648% | 5,064 |
| Net loans and leases to total assets | 70.8285% | 3,512 |
| Net loans and leases to deposits | 85.3276% | 3,751 |
| Net loans and leases to core deposits | 106.2405% | 3,884 |
| Total domestic deposits to total assets | 83.0078% | 4,145 |
| Equity capital to assets | 11.9508% | 2,291 |
| Core capital (leverage) ratio | 11.7937% | 2,000 |
| Tier 1 risk-based capital ratio | 15.8601% | 2,737 |
| Total risk-based capital ratio | 17.1113% | 2,681 |
| Memoranda: | ||
| Average total assets | $143,042,000 | 4,126 |
| Average earning assets | $133,288,000 | 4,084 |
| Average equity | $16,808,500 | 3,768 |
| Average total loans | $104,261,500 | 3,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8211% | 1,610 |
| Cost of funding earning assets | 2.7086% | 3,126 |
| Net interest margin | 4.1125% | 2,656 |
| Noninterest income to average assets | 0.6426% | 3,531 |
| Noninterest expense to average assets | 2.1066% | 7,222 |
| Loan and lease loss provision to assets | 1.4895% | 908 |
| Net operating income to assets | 0.8073% | 3,410 |
| Return on assets (ROA) | 0.9100% | 2,808 |
| Pretax return on assets | 1.0065% | 3,361 |
| Return on Equity (ROE) | 8.0480% | 3,056 |
| Retained earnings to average equity (ytd only) | 8.0480% | 834 |
| Net charge-offs to loans | 2.1495% | 491 |
| Credit loss provision to net charge-offs | 92.9204% | 5,603 |
| Earnings coverage of net charge-offs (x) | 1.4858% | 5,360 |
| Efficiency ratio | 46.9343% | 7,877 |
| Assets per employee ($millions) | 5.5157% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,090 |
| Loan loss allowance to noncurrent loans | 105.1712% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 2,932 |
| Noncurrent loans to loans | 1.3498% | 3,822 |
| Net loans and leases to total assets | 72.8751% | 3,393 |
| Net loans and leases to deposits | 89.5972% | 3,515 |
| Net loans and leases to core deposits | 112.9828% | 3,449 |
| Total domestic deposits to total assets | 81.3363% | 4,491 |
| Equity capital to assets | 11.5517% | 2,603 |
| Core capital (leverage) ratio | 11.3558% | 2,336 |
| Tier 1 risk-based capital ratio | 15.0804% | 2,999 |
| Total risk-based capital ratio | 16.3325% | 2,930 |
| Memoranda: | ||
| Average total assets | $140,984,000 | 4,061 |
| Average earning assets | $131,841,400 | 4,015 |
| Average equity | $15,941,800 | 3,940 |
| Average total loans | $105,141,200 | 3,817 |