Home > Golden Valley Bank > Performance and Condition Ratios
Golden Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,663 |
| Cost of funding earning assets | 0.8875% | 3,543 |
| Net interest margin | 3.2915% | 2,658 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1573% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8351% | 2,760 |
| Return on assets (ROA) | 0.8351% | 2,740 |
| Pretax return on assets | 1.1774% | 2,194 |
| Return on Equity (ROE) | 12.0000% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.8218% | 835 |
| Net charge-offs to loans | 0.0033% | 2,646 |
| Credit loss provision to net charge-offs | 112.5000% | 1,741 |
| Earnings coverage of net charge-offs (x) | 718.6250% | 198 |
| Efficiency ratio | 64.6563% | 2,528 |
| Assets per employee ($millions) | 7.8800% | 1,501 |
| Cash dividends to net income (ytd only)* | 9.8256% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 776 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.3400% | 3,708 |
| Net loans and leases to deposits | 52.7184% | 3,843 |
| Net loans and leases to core deposits | 55.6051% | 3,929 |
| Total domestic deposits to total assets | 91.6900% | 359 |
| Equity capital to assets | 7.6824% | 3,609 |
| Core capital (leverage) ratio | 9.5861% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2668% | 1,034 |
| Memoranda: | ||
| Average total assets | $487,503,600 | 1,755 |
| Average earning assets | $464,890,000 | 1,720 |
| Average equity | $33,922,400 | 2,098 |
| Average total loans | $240,099,800 | 2,059 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 3,678 |
| Cost of funding earning assets | 0.7998% | 3,515 |
| Net interest margin | 3.2920% | 2,703 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1462% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8447% | 2,879 |
| Return on assets (ROA) | 0.8447% | 2,861 |
| Pretax return on assets | 1.1906% | 2,321 |
| Return on Equity (ROE) | 12.4600% | 2,014 |
| Retained earnings to average equity (ytd only) | 11.2536% | 1,115 |
| Net charge-offs to loans | 0.0033% | 2,391 |
| Credit loss provision to net charge-offs | 133.3333% | 1,398 |
| Earnings coverage of net charge-offs (x) | 726.5000% | 218 |
| Efficiency ratio | 64.2763% | 2,464 |
| Assets per employee ($millions) | 8.0594% | 1,318 |
| Cash dividends to net income (ytd only)* | 9.7182% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 785 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 46.2300% | 3,820 |
| Net loans and leases to deposits | 49.8566% | 3,937 |
| Net loans and leases to core deposits | 53.2182% | 3,960 |
| Total domestic deposits to total assets | 92.7200% | 348 |
| Equity capital to assets | 6.6591% | 3,768 |
| Core capital (leverage) ratio | 9.3289% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5514% | 1,189 |
| Memoranda: | ||
| Average total assets | $487,239,250 | 1,756 |
| Average earning assets | $464,955,500 | 1,727 |
| Average equity | $33,019,750 | 2,125 |
| Average total loans | $240,098,750 | 2,058 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,695 |
| Cost of funding earning assets | 0.6701% | 3,570 |
| Net interest margin | 3.3280% | 2,691 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.1848% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8414% | 2,951 |
| Return on assets (ROA) | 0.8414% | 2,961 |
| Pretax return on assets | 1.1861% | 2,396 |
| Return on Equity (ROE) | 12.3400% | 2,058 |
| Retained earnings to average equity (ytd only) | 11.1186% | 1,167 |
| Net charge-offs to loans | 0.0025% | 2,258 |
| Credit loss provision to net charge-offs | 133.3333% | 1,270 |
| Earnings coverage of net charge-offs (x) | 951.0000% | 154 |
| Efficiency ratio | 64.7821% | 2,401 |
| Assets per employee ($millions) | 7.6145% | 1,532 |
| Cash dividends to net income (ytd only)* | 9.8961% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.1000% | 3,679 |
| Net loans and leases to deposits | 52.0860% | 3,833 |
| Net loans and leases to core deposits | 54.6173% | 3,864 |
| Total domestic deposits to total assets | 92.3400% | 354 |
| Equity capital to assets | 7.0967% | 3,743 |
| Core capital (leverage) ratio | 9.4338% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4391% | 1,229 |
| Memoranda: | ||
| Average total assets | $480,404,000 | 1,773 |
| Average earning assets | $459,069,333 | 1,739 |
| Average equity | $32,756,000 | 2,152 |
| Average total loans | $240,576,667 | 2,046 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,577 |
| Cost of funding earning assets | 0.4949% | 3,705 |
| Net interest margin | 3.4478% | 2,506 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.2158% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8982% | 2,864 |
| Return on assets (ROA) | 0.8982% | 2,822 |
| Pretax return on assets | 1.2656% | 2,267 |
| Return on Equity (ROE) | 13.4500% | 1,891 |
| Retained earnings to average equity (ytd only) | 12.1977% | 1,232 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6473% | 2,507 |
| Assets per employee ($millions) | 7.3199% | 1,738 |
| Cash dividends to net income (ytd only)* | 9.3371% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 952 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 49.9300% | 3,500 |
| Net loans and leases to deposits | 54.0945% | 3,676 |
| Net loans and leases to core deposits | 56.0310% | 3,739 |
| Total domestic deposits to total assets | 92.3100% | 441 |
| Equity capital to assets | 7.0703% | 3,797 |
| Core capital (leverage) ratio | 9.4432% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1382% | 1,342 |
| Memoranda: | ||
| Average total assets | $476,942,000 | 1,799 |
| Average earning assets | $455,827,000 | 1,756 |
| Average equity | $31,842,000 | 2,220 |
| Average total loans | $241,706,000 | 2,061 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 2,901 |
| Cost of funding earning assets | 0.1099% | 4,344 |
| Net interest margin | 3.4551% | 2,081 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.1166% | 3,246 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.0989% | 2,176 |
| Return on assets (ROA) | 0.9974% | 2,527 |
| Pretax return on assets | 1.4103% | 1,736 |
| Return on Equity (ROE) | 14.8900% | 1,277 |
| Retained earnings to average equity (ytd only) | 13.7346% | 419 |
| Net charge-offs to loans | 0.0004% | 2,597 |
| Credit loss provision to net charge-offs | -62,100.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | 6,852.0000% | 20 |
| Efficiency ratio | 60.0023% | 3,059 |
| Assets per employee ($millions) | 7.5887% | 1,559 |
| Cash dividends to net income (ytd only)* | 7.7415% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.7700% | 3,520 |
| Net loans and leases to deposits | 53.3430% | 3,715 |
| Net loans and leases to core deposits | 54.6796% | 3,782 |
| Total domestic deposits to total assets | 93.3000% | 345 |
| Equity capital to assets | 6.2842% | 3,982 |
| Core capital (leverage) ratio | 8.9526% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8239% | 1,409 |
| Memoranda: | ||
| Average total assets | $485,643,600 | 1,757 |
| Average earning assets | $465,953,800 | 1,711 |
| Average equity | $32,538,200 | 2,218 |
| Average total loans | $235,698,200 | 2,019 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 2,796 |
| Cost of funding earning assets | 0.0755% | 4,452 |
| Net interest margin | 3.3665% | 2,078 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0549% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9884% | 2,515 |
| Return on assets (ROA) | 0.9884% | 2,490 |
| Pretax return on assets | 1.3972% | 1,729 |
| Return on Equity (ROE) | 14.5300% | 1,281 |
| Retained earnings to average equity (ytd only) | 13.4248% | 555 |
| Net charge-offs to loans | 0.0006% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5,109.0000% | 23 |
| Efficiency ratio | 59.5263% | 3,177 |
| Assets per employee ($millions) | 7.9997% | 1,329 |
| Cash dividends to net income (ytd only)* | 7.6093% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9214% | 574 |
| 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 | 46.3600% | 3,734 |
| Net loans and leases to deposits | 49.3015% | 3,897 |
| Net loans and leases to core deposits | 50.2729% | 3,930 |
| Total domestic deposits to total assets | 94.0300% | 350 |
| Equity capital to assets | 5.5198% | 4,128 |
| Core capital (leverage) ratio | 8.6860% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4618% | 1,582 |
| Memoranda: | ||
| Average total assets | $487,532,250 | 1,759 |
| Average earning assets | $467,778,250 | 1,712 |
| Average equity | $33,161,750 | 2,223 |
| Average total loans | $234,147,500 | 2,033 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 2,499 |
| Cost of funding earning assets | 0.0760% | 4,417 |
| Net interest margin | 3.3011% | 1,909 |
| Noninterest income to average assets | 0.2460% | 3,695 |
| Noninterest expense to average assets | 2.0438% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9721% | 2,252 |
| Return on assets (ROA) | 0.9721% | 2,228 |
| Pretax return on assets | 1.3737% | 1,513 |
| Return on Equity (ROE) | 13.4105% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.4089% | 543 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8033% | 3,324 |
| Assets per employee ($millions) | 7.8574% | 1,376 |
| Cash dividends to net income (ytd only)* | 7.4691% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 575 |
| 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 | 46.4494% | 3,683 |
| Net loans and leases to deposits | 49.8103% | 3,814 |
| Net loans and leases to core deposits | 50.8049% | 3,889 |
| Total domestic deposits to total assets | 93.2527% | 451 |
| Equity capital to assets | 6.3936% | 4,061 |
| Core capital (leverage) ratio | 8.6635% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5830% | 1,551 |
| Memoranda: | ||
| Average total assets | $482,048,333 | 1,786 |
| Average earning assets | $463,113,667 | 1,740 |
| Average equity | $34,942,667 | 2,200 |
| Average total loans | $232,791,667 | 2,035 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 2,390 |
| Cost of funding earning assets | 0.0788% | 4,372 |
| Net interest margin | 3.2201% | 1,814 |
| Noninterest income to average assets | 0.2961% | 3,344 |
| Noninterest expense to average assets | 1.9788% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0019% | 1,877 |
| Return on assets (ROA) | 1.0019% | 1,870 |
| Pretax return on assets | 1.4190% | 1,205 |
| Return on Equity (ROE) | 13.0400% | 1,024 |
| Retained earnings to average equity (ytd only) | 12.2257% | 568 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2372% | 3,655 |
| Assets per employee ($millions) | 8.3674% | 1,179 |
| Cash dividends to net income (ytd only)* | 6.2448% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.1058% | 3,566 |
| Net loans and leases to deposits | 49.9381% | 3,734 |
| Net loans and leases to core deposits | 50.9047% | 3,818 |
| Total domestic deposits to total assets | 92.3260% | 465 |
| Equity capital to assets | 7.2353% | 4,082 |
| Core capital (leverage) ratio | 8.6467% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8070% | 1,561 |
| Memoranda: | ||
| Average total assets | $479,494,500 | 1,798 |
| Average earning assets | $461,846,500 | 1,754 |
| Average equity | $36,840,500 | 2,187 |
| Average total loans | $233,758,000 | 2,025 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 2,432 |
| Cost of funding earning assets | 0.1086% | 4,317 |
| Net interest margin | 3.4750% | 1,809 |
| Noninterest income to average assets | 0.3117% | 3,540 |
| Noninterest expense to average assets | 1.8702% | 3,998 |
| Loan and lease loss provision to assets | 0.1308% | 939 |
| Net operating income to assets | 1.1744% | 2,009 |
| Return on assets (ROA) | 1.1744% | 2,069 |
| Pretax return on assets | 1.6696% | 1,218 |
| Return on Equity (ROE) | 14.2457% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.8374% | 322 |
| Net charge-offs to loans | -0.0004% | 3,220 |
| Credit loss provision to net charge-offs | -58,300.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9505% | 4,209 |
| Assets per employee ($millions) | 8.4585% | 1,098 |
| Cash dividends to net income (ytd only)* | 2.8659% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.5281% | 3,344 |
| Net loans and leases to deposits | 54.1984% | 3,587 |
| Net loans and leases to core deposits | 55.3777% | 3,673 |
| Total domestic deposits to total assets | 91.3829% | 351 |
| Equity capital to assets | 8.1420% | 4,278 |
| Core capital (leverage) ratio | 8.0490% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6946% | 1,977 |
| Memoranda: | ||
| Average total assets | $445,683,000 | 1,852 |
| Average earning assets | $430,796,800 | 1,801 |
| Average equity | $36,741,000 | 2,213 |
| Average total loans | $249,496,800 | 1,932 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 2,337 |
| Cost of funding earning assets | 0.1126% | 4,406 |
| Net interest margin | 3.5661% | 1,683 |
| Noninterest income to average assets | 0.3334% | 3,438 |
| Noninterest expense to average assets | 1.8047% | 4,159 |
| Loan and lease loss provision to assets | 0.1771% | 603 |
| Net operating income to assets | 1.2634% | 1,945 |
| Return on assets (ROA) | 1.2634% | 2,001 |
| Pretax return on assets | 1.7975% | 1,168 |
| Return on Equity (ROE) | 15.2752% | 1,098 |
| Retained earnings to average equity (ytd only) | 14.7240% | 433 |
| Net charge-offs to loans | -0.0005% | 3,085 |
| Credit loss provision to net charge-offs | -58,300.0000% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7523% | 4,384 |
| Assets per employee ($millions) | 8.7795% | 963 |
| Cash dividends to net income (ytd only)* | 3.6084% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.3273% | 3,599 |
| Net loans and leases to deposits | 52.8915% | 3,820 |
| Net loans and leases to core deposits | 54.0739% | 3,913 |
| Total domestic deposits to total assets | 91.3705% | 267 |
| Equity capital to assets | 8.1833% | 4,419 |
| Core capital (leverage) ratio | 8.0156% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7035% | 1,726 |
| Memoranda: | ||
| Average total assets | $438,684,500 | 1,894 |
| Average earning assets | $423,911,750 | 1,841 |
| Average equity | $36,284,500 | 2,262 |
| Average total loans | $252,075,750 | 1,947 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 2,173 |
| Cost of funding earning assets | 0.1137% | 4,478 |
| Net interest margin | 3.6469% | 1,476 |
| Noninterest income to average assets | 0.3294% | 3,458 |
| Noninterest expense to average assets | 1.7613% | 4,263 |
| Loan and lease loss provision to assets | 0.2392% | 422 |
| Net operating income to assets | 1.3024% | 1,864 |
| Return on assets (ROA) | 1.3024% | 1,930 |
| Pretax return on assets | 1.8515% | 1,116 |
| Return on Equity (ROE) | 15.6865% | 1,021 |
| Retained earnings to average equity (ytd only) | 15.2662% | 399 |
| Net charge-offs to loans | -0.0008% | 3,063 |
| Credit loss provision to net charge-offs | -51,400.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7236% | 4,528 |
| Assets per employee ($millions) | 8.6831% | 956 |
| Cash dividends to net income (ytd only)* | 2.6795% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.8132% | 3,041 |
| Net loans and leases to deposits | 60.0656% | 3,386 |
| Net loans and leases to core deposits | 62.7285% | 3,398 |
| Total domestic deposits to total assets | 91.2555% | 295 |
| Equity capital to assets | 8.3220% | 4,343 |
| Core capital (leverage) ratio | 8.0353% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8118% | 1,687 |
| Memoranda: | ||
| Average total assets | $429,808,333 | 1,910 |
| Average earning assets | $415,143,667 | 1,858 |
| Average equity | $35,686,667 | 2,282 |
| Average total loans | $259,617,333 | 1,915 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 1,782 |
| Cost of funding earning assets | 0.1164% | 4,544 |
| Net interest margin | 3.8042% | 1,130 |
| Noninterest income to average assets | 0.3345% | 3,427 |
| Noninterest expense to average assets | 1.7803% | 4,251 |
| Loan and lease loss provision to assets | 0.2901% | 336 |
| Net operating income to assets | 1.3749% | 1,624 |
| Return on assets (ROA) | 1.3749% | 1,707 |
| Pretax return on assets | 1.9400% | 1,046 |
| Return on Equity (ROE) | 16.5795% | 915 |
| Retained earnings to average equity (ytd only) | 15.7249% | 550 |
| Net charge-offs to loans | -0.0015% | 3,083 |
| Credit loss provision to net charge-offs | -30,700.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3921% | 4,556 |
| Assets per employee ($millions) | 8.9822% | 839 |
| Cash dividends to net income (ytd only)* | 5.1546% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 1,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.4786% | 2,604 |
| Net loans and leases to deposits | 65.9263% | 2,920 |
| Net loans and leases to core deposits | 68.8559% | 2,983 |
| Total domestic deposits to total assets | 90.2198% | 712 |
| Equity capital to assets | 7.9457% | 4,522 |
| Core capital (leverage) ratio | 8.0566% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7506% | 1,658 |
| Memoranda: | ||
| Average total assets | $423,294,000 | 1,924 |
| Average earning assets | $409,026,000 | 1,875 |
| Average equity | $35,103,500 | 2,299 |
| Average total loans | $265,805,000 | 1,895 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 2,920 |
| Cost of funding earning assets | 0.2474% | 4,389 |
| Net interest margin | 3.6880% | 1,841 |
| Noninterest income to average assets | 0.2760% | 3,826 |
| Noninterest expense to average assets | 2.0904% | 3,948 |
| Loan and lease loss provision to assets | 0.4109% | 742 |
| Net operating income to assets | 0.9114% | 2,644 |
| Return on assets (ROA) | 1.0698% | 2,169 |
| Pretax return on assets | 1.5212% | 1,265 |
| Return on Equity (ROE) | 12.9427% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.7858% | 252 |
| Net charge-offs to loans | -0.0451% | 4,646 |
| Credit loss provision to net charge-offs | -1,466.6667% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6935% | 4,131 |
| Assets per employee ($millions) | 8.2951% | 938 |
| Cash dividends to net income (ytd only)* | 1.2124% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.3438% | 2,318 |
| Net loans and leases to deposits | 72.0385% | 2,683 |
| Net loans and leases to core deposits | 75.5611% | 2,764 |
| Total domestic deposits to total assets | 89.3186% | 848 |
| Equity capital to assets | 8.6690% | 4,323 |
| Core capital (leverage) ratio | 8.0508% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3115% | 1,740 |
| Memoranda: | ||
| Average total assets | $385,478,600 | 1,904 |
| Average earning assets | $370,635,400 | 1,870 |
| Average equity | $31,863,400 | 2,396 |
| Average total loans | $239,340,400 | 1,971 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 3,541 |
| Cost of funding earning assets | 0.2775% | 4,401 |
| Net interest margin | 3.5315% | 2,480 |
| Noninterest income to average assets | 0.3117% | 3,623 |
| Noninterest expense to average assets | 2.1141% | 3,910 |
| Loan and lease loss provision to assets | 0.2988% | 1,349 |
| Net operating income to assets | 0.8817% | 2,768 |
| Return on assets (ROA) | 1.0958% | 2,123 |
| Pretax return on assets | 1.5615% | 1,300 |
| Return on Equity (ROE) | 13.4318% | 994 |
| Retained earnings to average equity (ytd only) | 13.4318% | 292 |
| Net charge-offs to loans | -0.0619% | 4,727 |
| Credit loss provision to net charge-offs | -788.8889% | 3,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0874% | 3,786 |
| Assets per employee ($millions) | 8.2797% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 2,805 |
| Loan loss allowance to noncurrent loans | 4,349.3333% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,387 |
| Noncurrent loans to loans | 0.0270% | 4,299 |
| Net loans and leases to total assets | 66.2588% | 2,489 |
| Net loans and leases to deposits | 75.1517% | 2,834 |
| Net loans and leases to core deposits | 78.7356% | 2,943 |
| Total domestic deposits to total assets | 88.1667% | 1,138 |
| Equity capital to assets | 8.2571% | 4,599 |
| Core capital (leverage) ratio | 7.6095% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6513% | 1,610 |
| Memoranda: | ||
| Average total assets | $380,232,750 | 1,904 |
| Average earning assets | $365,164,750 | 1,864 |
| Average equity | $31,020,250 | 2,424 |
| Average total loans | $232,793,750 | 2,020 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 3,706 |
| Cost of funding earning assets | 0.3286% | 4,369 |
| Net interest margin | 3.5357% | 2,686 |
| Noninterest income to average assets | 0.3474% | 3,394 |
| Noninterest expense to average assets | 2.1437% | 3,942 |
| Loan and lease loss provision to assets | 0.3361% | 1,274 |
| Net operating income to assets | 0.8533% | 2,857 |
| Return on assets (ROA) | 1.1843% | 1,816 |
| Pretax return on assets | 1.6808% | 1,038 |
| Return on Equity (ROE) | 14.5832% | 776 |
| Retained earnings to average equity (ytd only) | 14.3229% | 256 |
| Net charge-offs to loans | -0.1001% | 4,848 |
| Credit loss provision to net charge-offs | -568.8073% | 3,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2939% | 3,775 |
| Assets per employee ($millions) | 8.0145% | 961 |
| Cash dividends to net income (ytd only)* | 1.7849% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,178 |
| Loan loss allowance to noncurrent loans | 3,741.9753% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 4,460 |
| Noncurrent loans to loans | 0.0289% | 4,370 |
| Net loans and leases to total assets | 66.6198% | 2,547 |
| Net loans and leases to deposits | 78.1346% | 2,637 |
| Net loans and leases to core deposits | 81.6967% | 2,799 |
| Total domestic deposits to total assets | 85.2628% | 2,281 |
| Equity capital to assets | 7.7839% | 4,811 |
| Core capital (leverage) ratio | 7.6019% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2488% | 1,714 |
| Memoranda: | ||
| Average total assets | $368,982,667 | 1,926 |
| Average earning assets | $354,214,333 | 1,878 |
| Average equity | $29,966,000 | 2,466 |
| Average total loans | $217,871,000 | 2,102 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,703 |
| Cost of funding earning assets | 0.4575% | 4,125 |
| Net interest margin | 3.5735% | 2,759 |
| Noninterest income to average assets | 0.3570% | 3,384 |
| Noninterest expense to average assets | 2.4306% | 3,474 |
| Loan and lease loss provision to assets | 0.3257% | 950 |
| Net operating income to assets | 0.6344% | 3,496 |
| Return on assets (ROA) | 1.3422% | 1,217 |
| Pretax return on assets | 1.9102% | 559 |
| Return on Equity (ROE) | 16.1231% | 407 |
| Retained earnings to average equity (ytd only) | 16.1231% | 141 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4636% | 3,161 |
| Assets per employee ($millions) | 6.2871% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,832 |
| Loan loss allowance to noncurrent loans | 3,112.0482% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,503 |
| Noncurrent loans to loans | 0.0439% | 4,376 |
| Net loans and leases to total assets | 56.0134% | 3,838 |
| Net loans and leases to deposits | 63.3593% | 4,017 |
| Net loans and leases to core deposits | 67.1566% | 4,026 |
| Total domestic deposits to total assets | 88.4060% | 924 |
| Equity capital to assets | 8.5683% | 4,803 |
| Core capital (leverage) ratio | 8.5473% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8380% | 1,964 |
| Memoranda: | ||
| Average total assets | $345,096,000 | 1,979 |
| Average earning assets | $329,651,000 | 1,936 |
| Average equity | $28,729,000 | 2,531 |
| Average total loans | $186,470,000 | 2,295 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 4,239 |
| Cost of funding earning assets | 0.5130% | 4,034 |
| Net interest margin | 3.4963% | 3,456 |
| Noninterest income to average assets | 0.1931% | 4,507 |
| Noninterest expense to average assets | 2.1804% | 4,202 |
| Loan and lease loss provision to assets | 0.0843% | 2,317 |
| Net operating income to assets | 0.8852% | 3,270 |
| Return on assets (ROA) | 1.2024% | 2,147 |
| Pretax return on assets | 1.6638% | 1,291 |
| Return on Equity (ROE) | 14.6798% | 756 |
| Retained earnings to average equity (ytd only) | 14.6798% | 101 |
| Net charge-offs to loans | 0.0006% | 3,713 |
| Credit loss provision to net charge-offs | 28,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 4,471.0000% | 12 |
| Efficiency ratio | 61.8190% | 3,411 |
| Assets per employee ($millions) | 6.8649% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,158 |
| Loan loss allowance to noncurrent loans | 2,645.9770% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,534 |
| Noncurrent loans to loans | 0.0474% | 4,364 |
| Net loans and leases to total assets | 50.8184% | 4,289 |
| Net loans and leases to deposits | 61.5260% | 4,213 |
| Net loans and leases to core deposits | 65.0012% | 4,234 |
| Total domestic deposits to total assets | 82.5966% | 3,330 |
| Equity capital to assets | 8.0977% | 5,039 |
| Core capital (leverage) ratio | 8.4032% | 4,891 |
| Tier 1 risk-based capital ratio | 12.8688% | 3,862 |
| Total risk-based capital ratio | 13.9146% | 3,847 |
| Memoranda: | ||
| Average total assets | $332,010,400 | 1,972 |
| Average earning assets | $316,595,600 | 1,937 |
| Average equity | $27,193,800 | 2,547 |
| Average total loans | $167,437,600 | 2,436 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 4,233 |
| Cost of funding earning assets | 0.5309% | 4,019 |
| Net interest margin | 3.5316% | 3,469 |
| Noninterest income to average assets | 0.1666% | 4,719 |
| Noninterest expense to average assets | 2.1782% | 4,222 |
| Loan and lease loss provision to assets | 0.0798% | 2,312 |
| Net operating income to assets | 0.8738% | 3,435 |
| Return on assets (ROA) | 1.3048% | 1,921 |
| Pretax return on assets | 1.8217% | 1,031 |
| Return on Equity (ROE) | 15.8807% | 627 |
| Retained earnings to average equity (ytd only) | 15.8807% | 111 |
| Net charge-offs to loans | 0.0008% | 3,433 |
| Credit loss provision to net charge-offs | 19,500.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 3,321.2180% | 14 |
| Efficiency ratio | 61.6329% | 3,382 |
| Assets per employee ($millions) | 6.8767% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 1,982 |
| Loan loss allowance to noncurrent loans | 2,491.0112% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,608 |
| Noncurrent loans to loans | 0.0520% | 4,412 |
| Net loans and leases to total assets | 49.1023% | 4,475 |
| Net loans and leases to deposits | 55.4604% | 4,572 |
| Net loans and leases to core deposits | 58.6672% | 4,578 |
| Total domestic deposits to total assets | 88.5358% | 809 |
| Equity capital to assets | 8.3586% | 5,046 |
| Core capital (leverage) ratio | 8.0724% | 5,102 |
| Tier 1 risk-based capital ratio | 13.3888% | 3,641 |
| Total risk-based capital ratio | 14.4686% | 3,639 |
| Memoranda: | ||
| Average total assets | $325,768,750 | 2,013 |
| Average earning assets | $310,633,250 | 1,968 |
| Average equity | $26,765,500 | 2,594 |
| Average total loans | $163,369,000 | 2,499 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 4,327 |
| Cost of funding earning assets | 0.5119% | 4,064 |
| Net interest margin | 3.5142% | 3,555 |
| Noninterest income to average assets | 0.1357% | 4,888 |
| Noninterest expense to average assets | 2.1592% | 4,314 |
| Loan and lease loss provision to assets | 0.0582% | 2,663 |
| Net operating income to assets | 0.9326% | 3,157 |
| Return on assets (ROA) | 0.9326% | 3,217 |
| Pretax return on assets | 1.2804% | 2,634 |
| Return on Equity (ROE) | 11.4221% | 1,818 |
| Retained earnings to average equity (ytd only) | 11.4221% | 493 |
| Net charge-offs to loans | 0.0012% | 3,135 |
| Credit loss provision to net charge-offs | 9,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,140.0000% | 25 |
| Efficiency ratio | 61.7310% | 3,475 |
| Assets per employee ($millions) | 6.9355% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 2,036 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,645 |
| Noncurrent loans to loans | 0.0563% | 4,430 |
| Net loans and leases to total assets | 46.4793% | 4,626 |
| Net loans and leases to deposits | 52.2074% | 4,733 |
| Net loans and leases to core deposits | 55.4745% | 4,730 |
| Total domestic deposits to total assets | 89.0281% | 649 |
| Equity capital to assets | 8.0435% | 5,167 |
| Core capital (leverage) ratio | 7.8663% | 5,193 |
| Tier 1 risk-based capital ratio | 12.4266% | 4,172 |
| Total risk-based capital ratio | 13.4421% | 4,181 |
| Memoranda: | ||
| Average total assets | $319,746,000 | 2,048 |
| Average earning assets | $305,904,670 | 2,003 |
| Average equity | $26,107,330 | 2,627 |
| Average total loans | $160,809,000 | 2,526 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 4,341 |
| Cost of funding earning assets | 0.4658% | 4,221 |
| Net interest margin | 3.5487% | 3,434 |
| Noninterest income to average assets | 0.1398% | 4,898 |
| Noninterest expense to average assets | 2.2506% | 4,149 |
| Loan and lease loss provision to assets | 0.0614% | 2,429 |
| Net operating income to assets | 0.8895% | 3,273 |
| Return on assets (ROA) | 0.8895% | 3,327 |
| Pretax return on assets | 1.2213% | 2,726 |
| Return on Equity (ROE) | 10.8033% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.8033% | 846 |
| Net charge-offs to loans | 0.0025% | 2,664 |
| Credit loss provision to net charge-offs | 4,700.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 982.0000% | 55 |
| Efficiency ratio | 63.6969% | 3,288 |
| Assets per employee ($millions) | 7.3545% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,201 |
| Loan loss allowance to noncurrent loans | 2,132.9897% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,695 |
| Noncurrent loans to loans | 0.0599% | 4,490 |
| Net loans and leases to total assets | 49.4132% | 4,503 |
| Net loans and leases to deposits | 55.8228% | 4,605 |
| Net loans and leases to core deposits | 59.4229% | 4,593 |
| Total domestic deposits to total assets | 88.5179% | 1,084 |
| Equity capital to assets | 8.0797% | 5,157 |
| Core capital (leverage) ratio | 8.4190% | 5,052 |
| Tier 1 risk-based capital ratio | 12.4254% | 4,219 |
| Total risk-based capital ratio | 13.4482% | 4,226 |
| Memoranda: | ||
| Average total assets | $306,231,000 | 2,163 |
| Average earning assets | $292,842,000 | 2,093 |
| Average equity | $25,214,500 | 2,695 |
| Average total loans | $159,566,000 | 2,563 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 3,622 |
| Cost of funding earning assets | 0.2256% | 4,903 |
| Net interest margin | 3.9136% | 2,288 |
| Noninterest income to average assets | 0.1901% | 4,765 |
| Noninterest expense to average assets | 2.5123% | 3,580 |
| Loan and lease loss provision to assets | 0.0568% | 3,035 |
| Net operating income to assets | 0.9880% | 3,065 |
| Return on assets (ROA) | 1.0019% | 2,988 |
| Pretax return on assets | 1.3763% | 2,220 |
| Return on Equity (ROE) | 10.6042% | 2,244 |
| Retained earnings to average equity (ytd only) | 8.8001% | 939 |
| Net charge-offs to loans | -0.0026% | 4,267 |
| Credit loss provision to net charge-offs | -3,475.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9609% | 3,201 |
| Assets per employee ($millions) | 6.5650% | 1,187 |
| Cash dividends to net income (ytd only)* | 17.0135% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,110 |
| Loan loss allowance to noncurrent loans | 2,023.0000% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,679 |
| Noncurrent loans to loans | 0.0636% | 4,466 |
| Net loans and leases to total assets | 53.7070% | 4,301 |
| Net loans and leases to deposits | 60.5905% | 4,451 |
| Net loans and leases to core deposits | 64.7608% | 4,419 |
| Total domestic deposits to total assets | 88.6392% | 1,008 |
| Equity capital to assets | 8.4064% | 4,985 |
| Core capital (leverage) ratio | 9.6069% | 3,995 |
| Tier 1 risk-based capital ratio | 12.9603% | 3,867 |
| Total risk-based capital ratio | 14.0324% | 3,851 |
| Memoranda: | ||
| Average total assets | $244,639,600 | 2,509 |
| Average earning assets | $233,645,200 | 2,459 |
| Average equity | $23,113,400 | 2,805 |
| Average total loans | $151,107,800 | 2,630 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 3,308 |
| Cost of funding earning assets | 0.2095% | 4,985 |
| Net interest margin | 3.9942% | 1,976 |
| Noninterest income to average assets | 0.2078% | 4,719 |
| Noninterest expense to average assets | 2.5794% | 3,344 |
| Loan and lease loss provision to assets | 0.0708% | 2,548 |
| Net operating income to assets | 0.9944% | 3,105 |
| Return on assets (ROA) | 1.0137% | 3,036 |
| Pretax return on assets | 1.3916% | 2,259 |
| Return on Equity (ROE) | 10.3761% | 2,444 |
| Retained earnings to average equity (ytd only) | 8.5475% | 1,397 |
| Net charge-offs to loans | -0.0036% | 4,164 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2086% | 3,147 |
| Assets per employee ($millions) | 5.3546% | 2,075 |
| Cash dividends to net income (ytd only)* | 17.6238% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 1,980 |
| Loan loss allowance to noncurrent loans | 1,989.1089% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,771 |
| Noncurrent loans to loans | 0.0666% | 4,583 |
| Net loans and leases to total assets | 60.7094% | 3,776 |
| Net loans and leases to deposits | 69.6962% | 3,940 |
| Net loans and leases to core deposits | 75.2278% | 3,857 |
| Total domestic deposits to total assets | 87.1057% | 1,683 |
| Equity capital to assets | 9.4470% | 4,131 |
| Core capital (leverage) ratio | 9.9300% | 3,708 |
| Tier 1 risk-based capital ratio | 13.5935% | 3,580 |
| Total risk-based capital ratio | 14.7374% | 3,550 |
| Memoranda: | ||
| Average total assets | $233,584,000 | 2,595 |
| Average earning assets | $222,784,250 | 2,552 |
| Average equity | $22,821,000 | 2,840 |
| Average total loans | $149,594,250 | 2,664 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,189 |
| Cost of funding earning assets | 0.1951% | 5,051 |
| Net interest margin | 3.9796% | 1,928 |
| Noninterest income to average assets | 0.1980% | 4,832 |
| Noninterest expense to average assets | 2.5848% | 3,374 |
| Loan and lease loss provision to assets | 0.0724% | 2,438 |
| Net operating income to assets | 0.9689% | 3,146 |
| Return on assets (ROA) | 0.9985% | 3,027 |
| Pretax return on assets | 1.3665% | 2,268 |
| Return on Equity (ROE) | 10.1007% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.2570% | 1,516 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8436% | 3,185 |
| Assets per employee ($millions) | 5.3550% | 2,039 |
| Cash dividends to net income (ytd only)* | 18.2533% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,344 |
| Loan loss allowance to noncurrent loans | 1,888.4615% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,805 |
| Noncurrent loans to loans | 0.0671% | 4,623 |
| Net loans and leases to total assets | 64.9736% | 3,281 |
| Net loans and leases to deposits | 74.9206% | 3,446 |
| Net loans and leases to core deposits | 81.1866% | 3,303 |
| Total domestic deposits to total assets | 86.7232% | 1,959 |
| Equity capital to assets | 9.7415% | 3,881 |
| Core capital (leverage) ratio | 10.3215% | 3,218 |
| Tier 1 risk-based capital ratio | 13.1623% | 3,815 |
| Total risk-based capital ratio | 14.2710% | 3,799 |
| Memoranda: | ||
| Average total assets | $229,341,670 | 2,642 |
| Average earning assets | $218,312,330 | 2,598 |
| Average equity | $22,671,670 | 2,871 |
| Average total loans | $148,944,670 | 2,675 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 3,158 |
| Cost of funding earning assets | 0.1806% | 5,113 |
| Net interest margin | 3.9408% | 1,896 |
| Noninterest income to average assets | 0.2370% | 4,587 |
| Noninterest expense to average assets | 2.6560% | 3,172 |
| Loan and lease loss provision to assets | 0.0725% | 2,311 |
| Net operating income to assets | 0.9196% | 3,204 |
| Return on assets (ROA) | 0.9797% | 2,971 |
| Pretax return on assets | 1.3280% | 2,256 |
| Return on Equity (ROE) | 9.8353% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.9890% | 1,838 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7259% | 3,044 |
| Assets per employee ($millions) | 5.4129% | 2,018 |
| Cash dividends to net income (ytd only)* | 18.7726% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,286 |
| Loan loss allowance to noncurrent loans | 1,796.2617% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,874 |
| Noncurrent loans to loans | 0.0719% | 4,658 |
| Net loans and leases to total assets | 64.6266% | 3,224 |
| Net loans and leases to deposits | 74.4307% | 3,371 |
| Net loans and leases to core deposits | 80.8910% | 3,253 |
| Total domestic deposits to total assets | 86.8278% | 2,191 |
| Equity capital to assets | 9.8785% | 3,718 |
| Core capital (leverage) ratio | 10.3504% | 3,117 |
| Tier 1 risk-based capital ratio | 13.1225% | 3,889 |
| Total risk-based capital ratio | 14.2286% | 3,861 |
| Memoranda: | ||
| Average total assets | $226,201,500 | 2,696 |
| Average earning assets | $214,878,500 | 2,650 |
| Average equity | $22,531,000 | 2,909 |
| Average total loans | $145,889,000 | 2,737 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,757 |
| Cost of funding earning assets | 0.1496% | 5,264 |
| Net interest margin | 3.7418% | 2,632 |
| Noninterest income to average assets | 0.2200% | 4,833 |
| Noninterest expense to average assets | 2.3354% | 4,242 |
| Loan and lease loss provision to assets | 0.0316% | 3,640 |
| Net operating income to assets | 0.8297% | 3,037 |
| Return on assets (ROA) | 0.8338% | 3,049 |
| Pretax return on assets | 1.4165% | 1,935 |
| Return on Equity (ROE) | 8.2694% | 2,662 |
| Retained earnings to average equity (ytd only) | 6.3779% | 1,341 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8310% | 3,967 |
| Assets per employee ($millions) | 6.2517% | 1,348 |
| Cash dividends to net income (ytd only)* | 22.8744% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,134 |
| Loan loss allowance to noncurrent loans | 1,710.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 4,891 |
| Noncurrent loans to loans | 0.0770% | 4,653 |
| Net loans and leases to total assets | 62.6726% | 3,530 |
| Net loans and leases to deposits | 72.4732% | 3,653 |
| Net loans and leases to core deposits | 78.9560% | 3,506 |
| Total domestic deposits to total assets | 86.4769% | 2,238 |
| Equity capital to assets | 10.0435% | 3,655 |
| Core capital (leverage) ratio | 10.1207% | 3,284 |
| Tier 1 risk-based capital ratio | 13.3746% | 3,705 |
| Total risk-based capital ratio | 14.5029% | 3,688 |
| Memoranda: | ||
| Average total assets | $218,632,000 | 2,736 |
| Average earning assets | $207,840,000 | 2,687 |
| Average equity | $22,045,000 | 2,951 |
| Average total loans | $133,435,200 | 2,866 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 3,960 |
| Cost of funding earning assets | 0.1415% | 5,368 |
| Net interest margin | 3.6703% | 2,864 |
| Noninterest income to average assets | 0.2193% | 4,907 |
| Noninterest expense to average assets | 2.3634% | 4,111 |
| Loan and lease loss provision to assets | 0.0227% | 3,687 |
| Net operating income to assets | 0.8575% | 3,246 |
| Return on assets (ROA) | 0.8607% | 3,276 |
| Pretax return on assets | 1.3276% | 2,372 |
| Return on Equity (ROE) | 8.5274% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.6284% | 1,891 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7237% | 3,602 |
| Assets per employee ($millions) | 6.4412% | 1,216 |
| Cash dividends to net income (ytd only)* | 22.2699% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,170 |
| Loan loss allowance to noncurrent loans | 1,636.2832% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,982 |
| Noncurrent loans to loans | 0.0818% | 4,743 |
| Net loans and leases to total assets | 60.4754% | 3,809 |
| Net loans and leases to deposits | 70.4296% | 3,926 |
| Net loans and leases to core deposits | 76.7603% | 3,746 |
| Total domestic deposits to total assets | 85.8664% | 2,364 |
| Equity capital to assets | 10.0292% | 3,878 |
| Core capital (leverage) ratio | 10.2009% | 3,314 |
| Tier 1 risk-based capital ratio | 13.5426% | 3,677 |
| Total risk-based capital ratio | 14.6868% | 3,660 |
| Memoranda: | ||
| Average total assets | $217,025,000 | 2,776 |
| Average earning assets | $206,334,250 | 2,724 |
| Average equity | $21,905,250 | 2,986 |
| Average total loans | $131,061,000 | 2,927 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 3,963 |
| Cost of funding earning assets | 0.1339% | 5,429 |
| Net interest margin | 3.6459% | 2,853 |
| Noninterest income to average assets | 0.1531% | 5,292 |
| Noninterest expense to average assets | 2.4022% | 4,045 |
| Loan and lease loss provision to assets | 0.0261% | 3,476 |
| Net operating income to assets | 0.7786% | 3,493 |
| Return on assets (ROA) | 0.7786% | 3,545 |
| Pretax return on assets | 1.1810% | 2,847 |
| Return on Equity (ROE) | 7.6972% | 3,196 |
| Retained earnings to average equity (ytd only) | 5.7775% | 2,244 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5546% | 3,251 |
| Assets per employee ($millions) | 6.0201% | 1,451 |
| Cash dividends to net income (ytd only)* | 24.9400% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,961 |
| Loan loss allowance to noncurrent loans | 1,586.2069% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,008 |
| Noncurrent loans to loans | 0.0881% | 4,777 |
| Net loans and leases to total assets | 59.9256% | 3,852 |
| Net loans and leases to deposits | 70.0315% | 3,913 |
| Net loans and leases to core deposits | 76.4524% | 3,733 |
| Total domestic deposits to total assets | 85.5695% | 2,586 |
| Equity capital to assets | 10.2463% | 3,618 |
| Core capital (leverage) ratio | 10.2804% | 3,169 |
| Tier 1 risk-based capital ratio | 14.1150% | 3,364 |
| Total risk-based capital ratio | 15.3223% | 3,314 |
| Memoranda: | ||
| Average total assets | $214,219,330 | 2,814 |
| Average earning assets | $203,074,670 | 2,775 |
| Average equity | $21,670,330 | 3,011 |
| Average total loans | $128,686,000 | 2,967 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,068 |
| Cost of funding earning assets | 0.1228% | 5,543 |
| Net interest margin | 3.5924% | 2,912 |
| Noninterest income to average assets | 0.1409% | 5,406 |
| Noninterest expense to average assets | 2.4849% | 3,854 |
| Loan and lease loss provision to assets | 0.0526% | 2,759 |
| Net operating income to assets | 0.6837% | 3,770 |
| Return on assets (ROA) | 0.6837% | 3,808 |
| Pretax return on assets | 1.0105% | 3,319 |
| Return on Equity (ROE) | 6.8029% | 3,496 |
| Retained earnings to average equity (ytd only) | 4.8592% | 2,979 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0371% | 2,885 |
| Assets per employee ($millions) | 5.8456% | 1,613 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,948 |
| Loan loss allowance to noncurrent loans | 1,533.3333% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 5,072 |
| Noncurrent loans to loans | 0.0932% | 4,816 |
| Net loans and leases to total assets | 58.6500% | 3,918 |
| Net loans and leases to deposits | 68.3836% | 3,960 |
| Net loans and leases to core deposits | 74.5387% | 3,787 |
| Total domestic deposits to total assets | 85.7662% | 2,768 |
| Equity capital to assets | 10.0029% | 3,754 |
| Core capital (leverage) ratio | 10.0952% | 3,383 |
| Tier 1 risk-based capital ratio | 14.4150% | 3,249 |
| Total risk-based capital ratio | 15.6647% | 3,175 |
| Memoranda: | ||
| Average total assets | $212,968,000 | 2,851 |
| Average earning assets | $201,983,500 | 2,814 |
| Average equity | $21,402,500 | 3,044 |
| Average total loans | $127,173,000 | 3,003 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,260 |
| Cost of funding earning assets | 0.1077% | 5,668 |
| Net interest margin | 3.8744% | 2,049 |
| Noninterest income to average assets | 0.2791% | 4,741 |
| Noninterest expense to average assets | 2.8090% | 2,993 |
| Loan and lease loss provision to assets | 0.0117% | 4,144 |
| Net operating income to assets | 0.8038% | 3,289 |
| Return on assets (ROA) | 0.8060% | 3,383 |
| Pretax return on assets | 1.1376% | 2,942 |
| Return on Equity (ROE) | 7.2085% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.2524% | 2,164 |
| Net charge-offs to loans | 0.0017% | 4,220 |
| Credit loss provision to net charge-offs | 1,100.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 1,082.0000% | 66 |
| Efficiency ratio | 71.0230% | 2,743 |
| Assets per employee ($millions) | 5.5171% | 1,852 |
| Cash dividends to net income (ytd only)* | 27.1353% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,904 |
| Loan loss allowance to noncurrent loans | 1,473.1707% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 5,100 |
| Noncurrent loans to loans | 0.0979% | 4,847 |
| Net loans and leases to total assets | 59.0709% | 3,954 |
| Net loans and leases to deposits | 69.0445% | 4,002 |
| Net loans and leases to core deposits | 74.9244% | 3,843 |
| Total domestic deposits to total assets | 85.5548% | 2,806 |
| Equity capital to assets | 10.0979% | 3,607 |
| Core capital (leverage) ratio | 10.7392% | 2,609 |
| Tier 1 risk-based capital ratio | 15.0125% | 2,957 |
| Total risk-based capital ratio | 16.2629% | 2,894 |
| Memoranda: | ||
| Average total assets | $188,822,200 | 3,072 |
| Average earning assets | $179,150,200 | 3,027 |
| Average equity | $21,114,000 | 3,055 |
| Average total loans | $118,363,200 | 3,093 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,141 |
| Cost of funding earning assets | 0.1047% | 5,749 |
| Net interest margin | 3.9168% | 1,920 |
| Noninterest income to average assets | 0.2708% | 4,838 |
| Noninterest expense to average assets | 2.6518% | 3,491 |
| Loan and lease loss provision to assets | 0.0051% | 4,130 |
| Net operating income to assets | 0.9431% | 2,687 |
| Return on assets (ROA) | 0.9462% | 2,805 |
| Pretax return on assets | 1.3412% | 2,269 |
| Return on Equity (ROE) | 8.2336% | 2,888 |
| Retained earnings to average equity (ytd only) | 6.2747% | 2,021 |
| Net charge-offs to loans | 0.0023% | 3,856 |
| Credit loss provision to net charge-offs | 350.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 922.8240% | 90 |
| Efficiency ratio | 66.4000% | 3,520 |
| Assets per employee ($millions) | 5.2185% | 2,127 |
| Cash dividends to net income (ytd only)* | 23.7911% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,905 |
| Loan loss allowance to noncurrent loans | 1,426.1905% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 5,172 |
| Noncurrent loans to loans | 0.1028% | 4,926 |
| Net loans and leases to total assets | 64.2988% | 3,356 |
| Net loans and leases to deposits | 76.6753% | 3,326 |
| Net loans and leases to core deposits | 79.8872% | 3,454 |
| Total domestic deposits to total assets | 83.8586% | 3,255 |
| Equity capital to assets | 11.5695% | 2,457 |
| Core capital (leverage) ratio | 11.3555% | 2,153 |
| Tier 1 risk-based capital ratio | 15.3162% | 2,908 |
| Total risk-based capital ratio | 16.5668% | 2,838 |
| Memoranda: | ||
| Average total assets | $183,615,750 | 3,134 |
| Average earning assets | $174,527,250 | 3,079 |
| Average equity | $21,100,000 | 3,077 |
| Average total loans | $116,540,750 | 3,130 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 3,278 |
| Cost of funding earning assets | 0.1036% | 5,837 |
| Net interest margin | 3.8850% | 2,031 |
| Noninterest income to average assets | 0.2393% | 5,051 |
| Noninterest expense to average assets | 2.7190% | 3,318 |
| Loan and lease loss provision to assets | 0.0022% | 3,991 |
| Net operating income to assets | 0.8996% | 2,867 |
| Return on assets (ROA) | 0.9045% | 2,969 |
| Pretax return on assets | 1.2283% | 2,676 |
| Return on Equity (ROE) | 7.8896% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.9172% | 2,170 |
| Net charge-offs to loans | 0.0035% | 3,584 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 557.5000% | 119 |
| Efficiency ratio | 68.9588% | 3,159 |
| Assets per employee ($millions) | 5.1514% | 2,140 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,389.1473% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,273 |
| Noncurrent loans to loans | 0.1106% | 5,002 |
| Net loans and leases to total assets | 61.9211% | 3,637 |
| Net loans and leases to deposits | 73.7511% | 3,620 |
| Net loans and leases to core deposits | 77.1192% | 3,725 |
| Total domestic deposits to total assets | 83.9595% | 3,280 |
| Equity capital to assets | 11.5509% | 2,493 |
| Core capital (leverage) ratio | 11.2589% | 2,185 |
| Tier 1 risk-based capital ratio | 16.7110% | 2,345 |
| Total risk-based capital ratio | 17.9634% | 2,299 |
| Memoranda: | ||
| Average total assets | $182,199,330 | 3,167 |
| Average earning assets | $173,695,670 | 3,100 |
| Average equity | $20,888,330 | 3,108 |
| Average total loans | $114,523,670 | 3,170 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,299 |
| Cost of funding earning assets | 0.1046% | 5,899 |
| Net interest margin | 3.8732% | 2,018 |
| Noninterest income to average assets | 0.2259% | 5,124 |
| Noninterest expense to average assets | 2.6981% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8020% | 3,238 |
| Return on assets (ROA) | 0.8107% | 3,311 |
| Pretax return on assets | 1.2338% | 2,565 |
| Return on Equity (ROE) | 7.0992% | 3,404 |
| Retained earnings to average equity (ytd only) | 5.1207% | 2,859 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 3,318 |
| Assets per employee ($millions) | 5.2021% | 2,142 |
| Cash dividends to net income (ytd only)* | 27.8689% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,768 |
| Loan loss allowance to noncurrent loans | 1,367.9389% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 5,305 |
| Noncurrent loans to loans | 0.1137% | 5,021 |
| Net loans and leases to total assets | 62.2804% | 3,489 |
| Net loans and leases to deposits | 74.2657% | 3,404 |
| Net loans and leases to core deposits | 78.3193% | 3,466 |
| Total domestic deposits to total assets | 83.8616% | 3,573 |
| Equity capital to assets | 11.4332% | 2,502 |
| Core capital (leverage) ratio | 11.2806% | 2,164 |
| Tier 1 risk-based capital ratio | 16.3665% | 2,533 |
| Total risk-based capital ratio | 17.6189% | 2,487 |
| Memoranda: | ||
| Average total assets | $180,574,500 | 3,191 |
| Average earning assets | $172,159,000 | 3,130 |
| Average equity | $20,622,000 | 3,137 |
| Average total loans | $113,473,500 | 3,191 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 3,753 |
| Cost of funding earning assets | 0.1041% | 5,946 |
| Net interest margin | 3.7831% | 2,432 |
| Noninterest income to average assets | 0.2566% | 5,060 |
| Noninterest expense to average assets | 2.4951% | 4,241 |
| Loan and lease loss provision to assets | 0.0006% | 4,374 |
| Net operating income to assets | 0.8833% | 2,966 |
| Return on assets (ROA) | 0.8833% | 3,051 |
| Pretax return on assets | 1.3695% | 2,028 |
| Return on Equity (ROE) | 7.8025% | 3,070 |
| Retained earnings to average equity (ytd only) | 5.7594% | 1,920 |
| Net charge-offs to loans | 0.0009% | 4,446 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2,387.0000% | 11 |
| Efficiency ratio | 64.5530% | 4,154 |
| Assets per employee ($millions) | 5.7766% | 1,556 |
| Cash dividends to net income (ytd only)* | 26.1858% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,604 |
| Loan loss allowance to noncurrent loans | 1,347.3684% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 5,334 |
| Noncurrent loans to loans | 0.1190% | 5,019 |
| Net loans and leases to total assets | 61.4081% | 3,638 |
| Net loans and leases to deposits | 73.2882% | 3,578 |
| Net loans and leases to core deposits | 76.8407% | 3,680 |
| Total domestic deposits to total assets | 83.7899% | 3,568 |
| Equity capital to assets | 11.4070% | 2,443 |
| Core capital (leverage) ratio | 10.7074% | 2,702 |
| Tier 1 risk-based capital ratio | 16.3345% | 2,551 |
| Total risk-based capital ratio | 17.5871% | 2,509 |
| Memoranda: | ||
| Average total assets | $174,224,200 | 3,243 |
| Average earning assets | $166,186,800 | 3,172 |
| Average equity | $19,724,400 | 3,198 |
| Average total loans | $105,846,600 | 3,282 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 3,868 |
| Cost of funding earning assets | 0.1026% | 6,047 |
| Net interest margin | 3.7640% | 2,512 |
| Noninterest income to average assets | 0.2797% | 4,944 |
| Noninterest expense to average assets | 2.4345% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9194% | 2,866 |
| Return on assets (ROA) | 0.9194% | 2,956 |
| Pretax return on assets | 1.4372% | 1,878 |
| Return on Equity (ROE) | 8.1367% | 3,000 |
| Retained earnings to average equity (ytd only) | 6.0770% | 2,198 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8782% | 4,429 |
| Assets per employee ($millions) | 6.0970% | 1,298 |
| Cash dividends to net income (ytd only)* | 25.3145% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 1,427 |
| Loan loss allowance to noncurrent loans | 1,347.3684% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 5,468 |
| Noncurrent loans to loans | 0.1276% | 5,118 |
| Net loans and leases to total assets | 56.0084% | 4,356 |
| Net loans and leases to deposits | 66.4692% | 4,341 |
| Net loans and leases to core deposits | 69.6483% | 4,409 |
| Total domestic deposits to total assets | 84.2622% | 3,316 |
| Equity capital to assets | 11.0322% | 2,984 |
| Core capital (leverage) ratio | 10.9630% | 2,526 |
| Tier 1 risk-based capital ratio | 17.0243% | 2,369 |
| Total risk-based capital ratio | 18.2775% | 2,314 |
| Memoranda: | ||
| Average total assets | $173,011,750 | 3,286 |
| Average earning assets | $165,104,250 | 3,214 |
| Average equity | $19,548,750 | 3,246 |
| Average total loans | $104,368,750 | 3,335 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 3,727 |
| Cost of funding earning assets | 0.1012% | 6,130 |
| Net interest margin | 3.7895% | 2,359 |
| Noninterest income to average assets | 0.2817% | 4,940 |
| Noninterest expense to average assets | 2.5207% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8838% | 2,969 |
| Return on assets (ROA) | 0.8838% | 3,083 |
| Pretax return on assets | 1.3800% | 2,064 |
| Return on Equity (ROE) | 7.7565% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.6674% | 2,427 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6224% | 4,255 |
| Assets per employee ($millions) | 5.7790% | 1,516 |
| Cash dividends to net income (ytd only)* | 26.9333% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,327.4074% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 5,556 |
| Noncurrent loans to loans | 0.1307% | 5,227 |
| Net loans and leases to total assets | 58.5343% | 4,035 |
| Net loans and leases to deposits | 69.8501% | 3,952 |
| Net loans and leases to core deposits | 73.6287% | 3,984 |
| Total domestic deposits to total assets | 83.8000% | 3,649 |
| Equity capital to assets | 11.3584% | 2,523 |
| Core capital (leverage) ratio | 11.4738% | 2,015 |
| Tier 1 risk-based capital ratio | 16.9588% | 2,419 |
| Total risk-based capital ratio | 18.2130% | 2,373 |
| Memoranda: | ||
| Average total assets | $169,712,330 | 3,351 |
| Average earning assets | $162,077,330 | 3,274 |
| Average equity | $19,338,670 | 3,285 |
| Average total loans | $104,412,670 | 3,354 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 3,774 |
| Cost of funding earning assets | 0.1023% | 6,197 |
| Net interest margin | 3.7610% | 2,387 |
| Noninterest income to average assets | 0.2907% | 4,849 |
| Noninterest expense to average assets | 2.5661% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8506% | 3,006 |
| Return on assets (ROA) | 0.8506% | 3,123 |
| Pretax return on assets | 1.3176% | 2,211 |
| Return on Equity (ROE) | 7.4522% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.3648% | 2,854 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0736% | 4,146 |
| Assets per employee ($millions) | 5.6671% | 1,653 |
| Cash dividends to net income (ytd only)* | 28.0112% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,769 |
| Loan loss allowance to noncurrent loans | 1,317.6471% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 5,621 |
| Noncurrent loans to loans | 0.1280% | 5,315 |
| Net loans and leases to total assets | 61.4192% | 3,462 |
| Net loans and leases to deposits | 73.4261% | 3,380 |
| Net loans and leases to core deposits | 77.2737% | 3,452 |
| Total domestic deposits to total assets | 83.6476% | 3,960 |
| Equity capital to assets | 11.4204% | 2,541 |
| Core capital (leverage) ratio | 11.5815% | 1,941 |
| Tier 1 risk-based capital ratio | 16.0823% | 2,883 |
| Total risk-based capital ratio | 17.3355% | 2,816 |
| Memoranda: | ||
| Average total assets | $167,883,500 | 3,404 |
| Average earning assets | $160,382,000 | 3,317 |
| Average equity | $19,162,000 | 3,325 |
| Average total loans | $104,982,500 | 3,355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,518 |
| Cost of funding earning assets | 0.1081% | 6,305 |
| Net interest margin | 3.9436% | 2,075 |
| Noninterest income to average assets | 0.2107% | 5,600 |
| Noninterest expense to average assets | 2.5623% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9093% | 2,826 |
| Return on assets (ROA) | 0.9544% | 2,687 |
| Pretax return on assets | 1.4679% | 1,661 |
| Return on Equity (ROE) | 8.3076% | 2,961 |
| Retained earnings to average equity (ytd only) | 6.1333% | 1,843 |
| Net charge-offs to loans | -0.1052% | 6,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6918% | 4,460 |
| Assets per employee ($millions) | 5.7157% | 1,594 |
| Cash dividends to net income (ytd only)* | 26.1732% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 1,708 |
| Loan loss allowance to noncurrent loans | 1,298.5507% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,696 |
| Noncurrent loans to loans | 0.1330% | 5,360 |
| Net loans and leases to total assets | 61.5131% | 3,569 |
| Net loans and leases to deposits | 73.7432% | 3,469 |
| Net loans and leases to core deposits | 77.4209% | 3,575 |
| Total domestic deposits to total assets | 83.4153% | 3,942 |
| Equity capital to assets | 11.4072% | 2,512 |
| Core capital (leverage) ratio | 11.1489% | 2,261 |
| Tier 1 risk-based capital ratio | 16.7785% | 2,603 |
| Total risk-based capital ratio | 18.0335% | 2,555 |
| Memoranda: | ||
| Average total assets | $158,528,400 | 3,509 |
| Average earning assets | $150,748,800 | 3,432 |
| Average equity | $18,212,200 | 3,378 |
| Average total loans | $98,829,000 | 3,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,610 |
| Cost of funding earning assets | 0.1066% | 6,388 |
| Net interest margin | 3.9293% | 2,119 |
| Noninterest income to average assets | 0.2135% | 5,657 |
| Noninterest expense to average assets | 2.5480% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9151% | 2,837 |
| Return on assets (ROA) | 0.9239% | 2,896 |
| Pretax return on assets | 1.4122% | 1,959 |
| Return on Equity (ROE) | 8.0272% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.8393% | 2,508 |
| Net charge-offs to loans | -0.1448% | 6,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5613% | 4,453 |
| Assets per employee ($millions) | 6.3420% | 1,118 |
| Cash dividends to net income (ytd only)* | 27.2563% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 1,725 |
| Loan loss allowance to noncurrent loans | 1,290.6475% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 5,831 |
| Noncurrent loans to loans | 0.1385% | 5,513 |
| Net loans and leases to total assets | 59.7894% | 3,823 |
| Net loans and leases to deposits | 71.5235% | 3,734 |
| Net loans and leases to core deposits | 74.8228% | 3,866 |
| Total domestic deposits to total assets | 83.5941% | 3,917 |
| Equity capital to assets | 11.2286% | 2,727 |
| Core capital (leverage) ratio | 11.3684% | 2,164 |
| Tier 1 risk-based capital ratio | 17.2047% | 2,524 |
| Total risk-based capital ratio | 18.4605% | 2,483 |
| Memoranda: | ||
| Average total assets | $156,721,750 | 3,567 |
| Average earning assets | $148,894,750 | 3,489 |
| Average equity | $18,038,250 | 3,411 |
| Average total loans | $97,598,000 | 3,498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 3,519 |
| Cost of funding earning assets | 0.1054% | 6,467 |
| Net interest margin | 3.9516% | 1,962 |
| Noninterest income to average assets | 0.1935% | 5,805 |
| Noninterest expense to average assets | 2.5468% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9178% | 2,715 |
| Return on assets (ROA) | 0.9195% | 2,809 |
| Pretax return on assets | 1.4000% | 1,888 |
| Return on Equity (ROE) | 7.9198% | 3,141 |
| Retained earnings to average equity (ytd only) | 5.7049% | 2,512 |
| Net charge-offs to loans | -0.2193% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5703% | 4,601 |
| Assets per employee ($millions) | 5.9391% | 1,316 |
| Cash dividends to net income (ytd only)* | 27.9661% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8325% | 1,754 |
| Loan loss allowance to noncurrent loans | 1,281.4286% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 5,903 |
| Noncurrent loans to loans | 0.1430% | 5,575 |
| Net loans and leases to total assets | 59.9307% | 3,725 |
| Net loans and leases to deposits | 71.8157% | 3,597 |
| Net loans and leases to core deposits | 75.3796% | 3,694 |
| Total domestic deposits to total assets | 83.4507% | 4,129 |
| Equity capital to assets | 11.3459% | 2,558 |
| Core capital (leverage) ratio | 11.5283% | 1,979 |
| Tier 1 risk-based capital ratio | 17.2627% | 2,511 |
| Total risk-based capital ratio | 18.5186% | 2,466 |
| Memoranda: | ||
| Average total assets | $153,998,330 | 3,621 |
| Average earning assets | $146,170,000 | 3,560 |
| Average equity | $17,879,330 | 3,432 |
| Average total loans | $96,670,000 | 3,528 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,430 |
| Cost of funding earning assets | 0.1009% | 6,563 |
| Net interest margin | 3.9616% | 1,882 |
| Noninterest income to average assets | 0.2095% | 5,682 |
| Noninterest expense to average assets | 2.6920% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8460% | 2,919 |
| Return on assets (ROA) | 0.8460% | 2,997 |
| Pretax return on assets | 1.2651% | 2,231 |
| Return on Equity (ROE) | 7.2001% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.9430% | 3,146 |
| Net charge-offs to loans | -0.4414% | 6,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0295% | 4,177 |
| Assets per employee ($millions) | 5.3984% | 1,806 |
| Cash dividends to net income (ytd only)* | 31.3480% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 1,837 |
| Loan loss allowance to noncurrent loans | 1,272.3404% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 5,966 |
| Noncurrent loans to loans | 0.1471% | 5,646 |
| Net loans and leases to total assets | 62.2355% | 3,200 |
| Net loans and leases to deposits | 71.1987% | 3,446 |
| Net loans and leases to core deposits | 74.9847% | 3,526 |
| Total domestic deposits to total assets | 87.4109% | 2,559 |
| Equity capital to assets | 11.8699% | 1,960 |
| Core capital (leverage) ratio | 12.0477% | 1,626 |
| Tier 1 risk-based capital ratio | 17.6856% | 2,416 |
| Total risk-based capital ratio | 18.9422% | 2,383 |
| Memoranda: | ||
| Average total assets | $150,819,000 | 3,694 |
| Average earning assets | $142,670,000 | 3,638 |
| Average equity | $17,722,000 | 3,451 |
| Average total loans | $96,056,500 | 3,552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 3,713 |
| Cost of funding earning assets | 0.1243% | 6,625 |
| Net interest margin | 3.9822% | 2,001 |
| Noninterest income to average assets | 0.5253% | 3,591 |
| Noninterest expense to average assets | 2.6785% | 4,168 |
| Loan and lease loss provision to assets | 0.0511% | 4,117 |
| Net operating income to assets | 0.9828% | 2,401 |
| Return on assets (ROA) | 0.9828% | 2,475 |
| Pretax return on assets | 1.5578% | 1,274 |
| Return on Equity (ROE) | 7.8197% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.5034% | 2,276 |
| Net charge-offs to loans | -0.0011% | 5,827 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4745% | 5,127 |
| Assets per employee ($millions) | 5.7878% | 1,415 |
| Cash dividends to net income (ytd only)* | 29.6214% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,226 |
| Loan loss allowance to noncurrent loans | 835.6436% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,920 |
| Noncurrent loans to loans | 0.2099% | 5,552 |
| Net loans and leases to total assets | 62.8370% | 3,228 |
| Net loans and leases to deposits | 71.7710% | 3,553 |
| Net loans and leases to core deposits | 75.2684% | 3,699 |
| Total domestic deposits to total assets | 87.5521% | 2,450 |
| Equity capital to assets | 11.6305% | 2,079 |
| Core capital (leverage) ratio | 11.9691% | 1,628 |
| Tier 1 risk-based capital ratio | 17.3297% | 2,482 |
| Total risk-based capital ratio | 18.5853% | 2,451 |
| Memoranda: | ||
| Average total assets | $137,051,800 | 3,931 |
| Average earning assets | $129,474,600 | 3,856 |
| Average equity | $17,225,800 | 3,534 |
| Average total loans | $89,666,800 | 3,700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 3,736 |
| Cost of funding earning assets | 0.1287% | 6,704 |
| Net interest margin | 3.9775% | 2,014 |
| Noninterest income to average assets | 0.6353% | 2,952 |
| Noninterest expense to average assets | 2.7385% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0332% | 2,246 |
| Return on assets (ROA) | 1.0332% | 2,327 |
| Pretax return on assets | 1.6555% | 1,195 |
| Return on Equity (ROE) | 8.0511% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.7274% | 2,577 |
| Net charge-offs to loans | -0.0015% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3241% | 5,092 |
| Assets per employee ($millions) | 5.1961% | 1,940 |
| Cash dividends to net income (ytd only)* | 28.8612% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 2,578 |
| Loan loss allowance to noncurrent loans | 797.0443% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,011 |
| Noncurrent loans to loans | 0.2152% | 5,697 |
| Net loans and leases to total assets | 66.0758% | 2,624 |
| Net loans and leases to deposits | 76.1686% | 2,940 |
| Net loans and leases to core deposits | 80.5556% | 3,065 |
| Total domestic deposits to total assets | 86.7493% | 2,826 |
| Equity capital to assets | 12.3775% | 1,650 |
| Core capital (leverage) ratio | 12.7251% | 1,315 |
| Tier 1 risk-based capital ratio | 17.8666% | 2,368 |
| Total risk-based capital ratio | 19.1216% | 2,332 |
| Memoranda: | ||
| Average total assets | $133,694,000 | 4,042 |
| Average earning assets | $126,342,250 | 3,954 |
| Average equity | $17,156,750 | 3,582 |
| Average total loans | $88,021,750 | 3,759 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,790 |
| Cost of funding earning assets | 0.1355% | 6,749 |
| Net interest margin | 3.9515% | 2,041 |
| Noninterest income to average assets | 0.7590% | 2,370 |
| Noninterest expense to average assets | 2.8093% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0404% | 2,149 |
| Return on assets (ROA) | 1.0404% | 2,272 |
| Pretax return on assets | 1.6746% | 1,176 |
| Return on Equity (ROE) | 8.0059% | 3,100 |
| Retained earnings to average equity (ytd only) | 5.6650% | 2,635 |
| Net charge-offs to loans | -0.0023% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6526% | 5,073 |
| Assets per employee ($millions) | 5.0611% | 2,038 |
| Cash dividends to net income (ytd only)* | 29.2398% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 2,409 |
| Loan loss allowance to noncurrent loans | 797.0443% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 6,049 |
| Noncurrent loans to loans | 0.2269% | 5,739 |
| Net loans and leases to total assets | 64.2752% | 2,871 |
| Net loans and leases to deposits | 74.0661% | 3,142 |
| Net loans and leases to core deposits | 77.9136% | 3,304 |
| Total domestic deposits to total assets | 86.7808% | 2,953 |
| Equity capital to assets | 12.4457% | 1,613 |
| Core capital (leverage) ratio | 12.9826% | 1,168 |
| Tier 1 risk-based capital ratio | 18.3520% | 2,192 |
| Total risk-based capital ratio | 19.6081% | 2,154 |
| Memoranda: | ||
| Average total assets | $131,493,670 | 4,109 |
| Average earning assets | $123,953,330 | 4,033 |
| Average equity | $17,087,330 | 3,611 |
| Average total loans | $85,922,670 | 3,822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,716 |
| Cost of funding earning assets | 0.1450% | 6,812 |
| Net interest margin | 3.9582% | 1,925 |
| Noninterest income to average assets | 0.5275% | 3,589 |
| Noninterest expense to average assets | 2.8763% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8688% | 2,812 |
| Return on assets (ROA) | 0.8688% | 2,957 |
| Pretax return on assets | 1.3776% | 1,927 |
| Return on Equity (ROE) | 6.5392% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.2038% | 3,701 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6149% | 4,385 |
| Assets per employee ($millions) | 4.9833% | 2,234 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,273 |
| Loan loss allowance to noncurrent loans | 626.7442% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,971 |
| Noncurrent loans to loans | 0.3048% | 5,638 |
| Net loans and leases to total assets | 64.0716% | 2,694 |
| Net loans and leases to deposits | 74.4242% | 2,865 |
| Net loans and leases to core deposits | 78.1715% | 3,042 |
| Total domestic deposits to total assets | 86.0897% | 3,482 |
| Equity capital to assets | 13.2357% | 1,325 |
| Core capital (leverage) ratio | 13.2267% | 1,037 |
| Tier 1 risk-based capital ratio | 19.1571% | 1,997 |
| Total risk-based capital ratio | 20.4144% | 1,965 |
| Memoranda: | ||
| Average total assets | $128,915,500 | 4,208 |
| Average earning assets | $121,368,000 | 4,129 |
| Average equity | $17,127,500 | 3,649 |
| Average total loans | $84,159,000 | 3,898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 3,048 |
| Cost of funding earning assets | 0.2062% | 6,819 |
| Net interest margin | 4.3822% | 1,198 |
| Noninterest income to average assets | 0.4149% | 4,496 |
| Noninterest expense to average assets | 2.9963% | 3,291 |
| Loan and lease loss provision to assets | 0.1914% | 3,242 |
| Net operating income to assets | 0.8248% | 3,159 |
| Return on assets (ROA) | 0.8832% | 3,144 |
| Pretax return on assets | 1.4386% | 1,900 |
| Return on Equity (ROE) | 6.3483% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.1554% | 2,602 |
| Net charge-offs to loans | 0.1314% | 4,361 |
| Credit loss provision to net charge-offs | 221.9048% | 1,133 |
| Earnings coverage of net charge-offs (x) | 17.8381% | 1,480 |
| Efficiency ratio | 66.0688% | 4,492 |
| Assets per employee ($millions) | 4.7506% | 2,580 |
| Cash dividends to net income (ytd only)* | 18.7907% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,192 |
| Loan loss allowance to noncurrent loans | 619.5402% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 5,472 |
| Noncurrent loans to loans | 0.3119% | 5,707 |
| Net loans and leases to total assets | 63.9839% | 2,902 |
| Net loans and leases to deposits | 74.5025% | 3,021 |
| Net loans and leases to core deposits | 78.5522% | 3,191 |
| Total domestic deposits to total assets | 85.8816% | 3,412 |
| Equity capital to assets | 13.3365% | 1,295 |
| Core capital (leverage) ratio | 13.7270% | 879 |
| Tier 1 risk-based capital ratio | 19.2025% | 1,899 |
| Total risk-based capital ratio | 20.4602% | 1,873 |
| Memoranda: | ||
| Average total assets | $121,717,200 | 4,322 |
| Average earning assets | $114,439,200 | 4,236 |
| Average equity | $16,933,600 | 3,643 |
| Average total loans | $79,888,800 | 4,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 3,063 |
| Cost of funding earning assets | 0.2215% | 6,903 |
| Net interest margin | 4.4173% | 1,168 |
| Noninterest income to average assets | 0.5152% | 3,827 |
| Noninterest expense to average assets | 3.0723% | 2,969 |
| Loan and lease loss provision to assets | 0.2587% | 2,503 |
| Net operating income to assets | 0.8205% | 3,343 |
| Return on assets (ROA) | 0.8994% | 3,216 |
| Pretax return on assets | 1.4712% | 1,995 |
| Return on Equity (ROE) | 6.3939% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.3939% | 2,437 |
| Net charge-offs to loans | 0.1757% | 3,707 |
| Credit loss provision to net charge-offs | 224.0385% | 1,238 |
| Earnings coverage of net charge-offs (x) | 13.9138% | 1,878 |
| Efficiency ratio | 65.6621% | 4,513 |
| Assets per employee ($millions) | 4.6644% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 2,336 |
| Loan loss allowance to noncurrent loans | 608.2707% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 5,448 |
| Noncurrent loans to loans | 0.3200% | 5,839 |
| Net loans and leases to total assets | 64.7155% | 2,893 |
| Net loans and leases to deposits | 75.6273% | 3,035 |
| Net loans and leases to core deposits | 79.4312% | 3,277 |
| Total domestic deposits to total assets | 85.5716% | 3,475 |
| Equity capital to assets | 13.7066% | 1,267 |
| Core capital (leverage) ratio | 13.7711% | 915 |
| Tier 1 risk-based capital ratio | 19.5041% | 1,879 |
| Total risk-based capital ratio | 20.7616% | 1,853 |
| Memoranda: | ||
| Average total assets | $120,080,250 | 4,399 |
| Average earning assets | $113,189,500 | 4,309 |
| Average equity | $16,890,500 | 3,677 |
| Average total loans | $78,939,500 | 4,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 3,038 |
| Cost of funding earning assets | 0.2287% | 6,974 |
| Net interest margin | 4.4431% | 1,094 |
| Noninterest income to average assets | 0.5469% | 3,601 |
| Noninterest expense to average assets | 3.1136% | 2,885 |
| Loan and lease loss provision to assets | 0.3386% | 1,945 |
| Net operating income to assets | 0.7500% | 3,602 |
| Return on assets (ROA) | 0.8702% | 3,304 |
| Pretax return on assets | 1.4594% | 1,978 |
| Return on Equity (ROE) | 6.1312% | 4,259 |
| Retained earnings to average equity (ytd only) | 6.1312% | 2,629 |
| Net charge-offs to loans | 0.2682% | 2,971 |
| Credit loss provision to net charge-offs | 192.3077% | 1,472 |
| Earnings coverage of net charge-offs (x) | 9.1442% | 2,202 |
| Efficiency ratio | 65.9140% | 4,548 |
| Assets per employee ($millions) | 4.6831% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 2,552 |
| Loan loss allowance to noncurrent loans | 587.0370% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 5,451 |
| Noncurrent loans to loans | 0.3242% | 5,906 |
| Net loans and leases to total assets | 67.0995% | 2,448 |
| Net loans and leases to deposits | 78.5639% | 2,588 |
| Net loans and leases to core deposits | 82.6624% | 2,874 |
| Total domestic deposits to total assets | 85.4075% | 3,659 |
| Equity capital to assets | 13.9470% | 1,118 |
| Core capital (leverage) ratio | 14.0194% | 798 |
| Tier 1 risk-based capital ratio | 19.1335% | 1,931 |
| Total risk-based capital ratio | 20.3903% | 1,909 |
| Memoranda: | ||
| Average total assets | $118,127,330 | 4,463 |
| Average earning assets | $111,047,670 | 4,383 |
| Average equity | $16,766,670 | 3,690 |
| Average total loans | $77,546,000 | 4,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 3,135 |
| Cost of funding earning assets | 0.2417% | 7,027 |
| Net interest margin | 4.4379% | 1,140 |
| Noninterest income to average assets | 0.6087% | 3,174 |
| Noninterest expense to average assets | 3.2258% | 2,517 |
| Loan and lease loss provision to assets | 0.4815% | 1,269 |
| Net operating income to assets | 0.6465% | 4,134 |
| Return on assets (ROA) | 0.6465% | 4,345 |
| Pretax return on assets | 1.0696% | 3,436 |
| Return on Equity (ROE) | 4.5141% | 5,034 |
| Retained earnings to average equity (ytd only) | 4.5141% | 3,872 |
| Net charge-offs to loans | 0.0803% | 3,691 |
| Credit loss provision to net charge-offs | 933.3333% | 378 |
| Earnings coverage of net charge-offs (x) | 30.0667% | 916 |
| Efficiency ratio | 67.5306% | 4,267 |
| Assets per employee ($millions) | 4.6895% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 2,069 |
| Loan loss allowance to noncurrent loans | 349.3506% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 5,173 |
| Noncurrent loans to loans | 0.6055% | 5,449 |
| Net loans and leases to total assets | 61.2560% | 3,401 |
| Net loans and leases to deposits | 71.4954% | 3,510 |
| Net loans and leases to core deposits | 74.8089% | 3,782 |
| Total domestic deposits to total assets | 85.6782% | 3,696 |
| Equity capital to assets | 13.7510% | 1,114 |
| Core capital (leverage) ratio | 14.3376% | 723 |
| Tier 1 risk-based capital ratio | 20.0915% | 1,688 |
| Total risk-based capital ratio | 21.3503% | 1,659 |
| Memoranda: | ||
| Average total assets | $116,310,500 | 4,534 |
| Average earning assets | $109,242,000 | 4,452 |
| Average equity | $16,659,000 | 3,701 |
| Average total loans | $74,676,000 | 4,282 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 2,831 |
| Cost of funding earning assets | 0.3498% | 7,009 |
| Net interest margin | 4.6606% | 815 |
| Noninterest income to average assets | 0.3968% | 4,640 |
| Noninterest expense to average assets | 3.3934% | 2,260 |
| Loan and lease loss provision to assets | 0.2901% | 3,347 |
| Net operating income to assets | 0.8472% | 2,837 |
| Return on assets (ROA) | 0.8479% | 2,986 |
| Pretax return on assets | 1.1155% | 2,778 |
| Return on Equity (ROE) | 5.6898% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.6898% | 2,178 |
| Net charge-offs to loans | 0.6643% | 2,496 |
| Credit loss provision to net charge-offs | 66.8103% | 4,972 |
| Earnings coverage of net charge-offs (x) | 3.2349% | 3,593 |
| Efficiency ratio | 70.7236% | 3,820 |
| Assets per employee ($millions) | 4.2575% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 2,158 |
| Loan loss allowance to noncurrent loans | 319.5279% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,215 |
| Noncurrent loans to loans | 0.6379% | 5,438 |
| Net loans and leases to total assets | 64.6479% | 3,049 |
| Net loans and leases to deposits | 76.7866% | 3,042 |
| Net loans and leases to core deposits | 81.0258% | 3,314 |
| Total domestic deposits to total assets | 84.1917% | 4,238 |
| Equity capital to assets | 14.9528% | 796 |
| Core capital (leverage) ratio | 14.7079% | 664 |
| Tier 1 risk-based capital ratio | 20.7063% | 1,477 |
| Total risk-based capital ratio | 21.9649% | 1,446 |
| Memoranda: | ||
| Average total assets | $106,854,400 | 4,710 |
| Average earning assets | $100,910,400 | 4,617 |
| Average equity | $15,923,200 | 3,740 |
| Average total loans | $69,851,600 | 4,498 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 3,476 |
| Cost of funding earning assets | 0.3728% | 7,082 |
| Net interest margin | 4.5448% | 1,055 |
| Noninterest income to average assets | 0.3765% | 4,856 |
| Noninterest expense to average assets | 3.4461% | 2,085 |
| Loan and lease loss provision to assets | 0.2858% | 3,230 |
| Net operating income to assets | 0.7466% | 3,396 |
| Return on assets (ROA) | 0.7466% | 3,561 |
| Pretax return on assets | 0.9418% | 3,611 |
| Return on Equity (ROE) | 5.0149% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.0149% | 3,161 |
| Net charge-offs to loans | 0.6411% | 2,328 |
| Credit loss provision to net charge-offs | 68.3735% | 4,536 |
| Earnings coverage of net charge-offs (x) | 2.9367% | 3,679 |
| Efficiency ratio | 73.7338% | 3,234 |
| Assets per employee ($millions) | 4.3476% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,912 |
| Loan loss allowance to noncurrent loans | 114.6905% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 3,799 |
| Noncurrent loans to loans | 1.8958% | 3,508 |
| Net loans and leases to total assets | 63.6630% | 3,381 |
| Net loans and leases to deposits | 75.4385% | 3,425 |
| Net loans and leases to core deposits | 79.2088% | 3,745 |
| Total domestic deposits to total assets | 84.3906% | 4,061 |
| Equity capital to assets | 14.9230% | 872 |
| Core capital (leverage) ratio | 14.5273% | 763 |
| Tier 1 risk-based capital ratio | 21.1543% | 1,427 |
| Total risk-based capital ratio | 22.4146% | 1,403 |
| Memoranda: | ||
| Average total assets | $105,894,250 | 4,765 |
| Average earning assets | $100,127,500 | 4,670 |
| Average equity | $15,766,000 | 3,780 |
| Average total loans | $69,051,750 | 4,567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 3,721 |
| Cost of funding earning assets | 0.3874% | 7,157 |
| Net interest margin | 4.4903% | 1,154 |
| Noninterest income to average assets | 0.4097% | 4,601 |
| Noninterest expense to average assets | 3.6051% | 1,726 |
| Loan and lease loss provision to assets | 0.2782% | 3,154 |
| Net operating income to assets | 0.6250% | 3,935 |
| Return on assets (ROA) | 0.6250% | 4,062 |
| Pretax return on assets | 0.7889% | 4,074 |
| Return on Equity (ROE) | 4.2012% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.2012% | 3,523 |
| Net charge-offs to loans | 0.3942% | 2,978 |
| Credit loss provision to net charge-offs | 108.1481% | 2,830 |
| Earnings coverage of net charge-offs (x) | 4.1481% | 2,947 |
| Efficiency ratio | 77.1615% | 2,833 |
| Assets per employee ($millions) | 4.5828% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3704% | 1,639 |
| Loan loss allowance to noncurrent loans | 112.5170% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 3,736 |
| Noncurrent loans to loans | 2.1067% | 3,347 |
| Net loans and leases to total assets | 61.9370% | 3,896 |
| Net loans and leases to deposits | 72.8648% | 3,971 |
| Net loans and leases to core deposits | 76.2597% | 4,278 |
| Total domestic deposits to total assets | 85.0026% | 3,876 |
| Equity capital to assets | 14.4237% | 965 |
| Core capital (leverage) ratio | 15.1071% | 647 |
| Tier 1 risk-based capital ratio | 21.6815% | 1,299 |
| Total risk-based capital ratio | 22.9435% | 1,272 |
| Memoranda: | ||
| Average total assets | $104,962,000 | 4,829 |
| Average earning assets | $99,637,000 | 4,715 |
| Average equity | $15,614,670 | 3,799 |
| Average total loans | $68,491,000 | 4,632 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 3,471 |
| Cost of funding earning assets | 0.4153% | 7,194 |
| Net interest margin | 4.5066% | 1,057 |
| Noninterest income to average assets | 0.5817% | 3,293 |
| Noninterest expense to average assets | 3.7833% | 1,367 |
| Loan and lease loss provision to assets | 0.2538% | 3,119 |
| Net operating income to assets | 0.6520% | 3,742 |
| Return on assets (ROA) | 0.6520% | 3,818 |
| Pretax return on assets | 0.8238% | 3,814 |
| Return on Equity (ROE) | 4.3125% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,584 |
| Net charge-offs to loans | 0.8136% | 1,604 |
| Credit loss provision to net charge-offs | 47.1014% | 3,814 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
| Efficiency ratio | 77.8313% | 2,872 |
| Assets per employee ($millions) | 4.1211% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 1,759 |
| Loan loss allowance to noncurrent loans | 96.4373% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 2.0140% | 3,304 |
| Noncurrent loans to loans | 2.3874% | 3,101 |
| Net loans and leases to total assets | 64.6627% | 3,316 |
| Net loans and leases to deposits | 76.8468% | 3,279 |
| Net loans and leases to core deposits | 81.0847% | 3,595 |
| Total domestic deposits to total assets | 84.1449% | 4,432 |
| Equity capital to assets | 15.1125% | 739 |
| Core capital (leverage) ratio | 15.1460% | 636 |
| Tier 1 risk-based capital ratio | 21.5090% | 1,311 |
| Total risk-based capital ratio | 22.7699% | 1,285 |
| Memoranda: | ||
| Average total assets | $102,450,000 | 4,932 |
| Average earning assets | $97,280,000 | 4,814 |
| Average equity | $15,490,000 | 3,814 |
| Average total loans | $67,848,500 | 4,690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 3,619 |
| Cost of funding earning assets | 0.4422% | 7,382 |
| Net interest margin | 4.7558% | 722 |
| Noninterest income to average assets | 0.6808% | 2,959 |
| Noninterest expense to average assets | 3.6587% | 1,791 |
| Loan and lease loss provision to assets | 0.9186% | 1,779 |
| Net operating income to assets | 0.6316% | 3,524 |
| Return on assets (ROA) | 0.8474% | 2,738 |
| Pretax return on assets | 0.8474% | 3,476 |
| Return on Equity (ROE) | 5.3659% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.3659% | 2,203 |
| Net charge-offs to loans | 0.5669% | 3,349 |
| Credit loss provision to net charge-offs | 235.1206% | 1,244 |
| Earnings coverage of net charge-offs (x) | 3.9678% | 3,119 |
| Efficiency ratio | 70.2393% | 4,130 |
| Assets per employee ($millions) | 4.0749% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 1,504 |
| Loan loss allowance to noncurrent loans | 71.0948% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2685% | 3,006 |
| Noncurrent loans to loans | 3.4233% | 2,217 |
| Net loans and leases to total assets | 64.6530% | 3,735 |
| Net loans and leases to deposits | 76.8335% | 3,718 |
| Net loans and leases to core deposits | 81.3718% | 3,996 |
| Total domestic deposits to total assets | 84.1469% | 4,300 |
| Equity capital to assets | 15.1267% | 757 |
| Core capital (leverage) ratio | 15.6623% | 549 |
| Tier 1 risk-based capital ratio | 21.6967% | 1,222 |
| Total risk-based capital ratio | 22.9599% | 1,193 |
| Memoranda: | ||
| Average total assets | $95,471,600 | 5,115 |
| Average earning assets | $90,899,400 | 4,988 |
| Average equity | $15,076,600 | 3,929 |
| Average total loans | $65,795,000 | 4,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 3,555 |
| Cost of funding earning assets | 0.4534% | 7,515 |
| Net interest margin | 4.8012% | 676 |
| Noninterest income to average assets | 0.6846% | 2,911 |
| Noninterest expense to average assets | 3.7582% | 1,461 |
| Loan and lease loss provision to assets | 0.8337% | 1,822 |
| Net operating income to assets | 0.6647% | 3,578 |
| Return on assets (ROA) | 0.8167% | 3,074 |
| Pretax return on assets | 0.8167% | 3,842 |
| Return on Equity (ROE) | 5.1133% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.1133% | 2,906 |
| Net charge-offs to loans | 0.4018% | 3,680 |
| Credit loss provision to net charge-offs | 297.9695% | 1,072 |
| Earnings coverage of net charge-offs (x) | 5.3553% | 2,767 |
| Efficiency ratio | 71.4942% | 3,802 |
| Assets per employee ($millions) | 3.6903% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3065% | 1,618 |
| Loan loss allowance to noncurrent loans | 61.4797% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.5921% | 2,787 |
| Noncurrent loans to loans | 3.7517% | 2,062 |
| Net loans and leases to total assets | 67.4966% | 3,334 |
| Net loans and leases to deposits | 80.8149% | 3,304 |
| Net loans and leases to core deposits | 85.9321% | 3,667 |
| Total domestic deposits to total assets | 83.5201% | 4,362 |
| Equity capital to assets | 16.0005% | 672 |
| Core capital (leverage) ratio | 16.1381% | 537 |
| Tier 1 risk-based capital ratio | 21.9340% | 1,216 |
| Total risk-based capital ratio | 23.1963% | 1,189 |
| Memoranda: | ||
| Average total assets | $93,871,250 | 5,221 |
| Average earning assets | $89,391,250 | 5,096 |
| Average equity | $14,993,250 | 3,986 |
| Average total loans | $65,367,000 | 4,929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 3,572 |
| Cost of funding earning assets | 0.4711% | 7,580 |
| Net interest margin | 4.8060% | 655 |
| Noninterest income to average assets | 0.7877% | 2,182 |
| Noninterest expense to average assets | 3.8120% | 1,343 |
| Loan and lease loss provision to assets | 1.0152% | 1,435 |
| Net operating income to assets | 0.5366% | 4,166 |
| Return on assets (ROA) | 0.7663% | 3,267 |
| Pretax return on assets | 0.7663% | 3,997 |
| Return on Equity (ROE) | 4.8004% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.8004% | 3,012 |
| Net charge-offs to loans | 0.5995% | 2,731 |
| Credit loss provision to net charge-offs | 242.5641% | 1,583 |
| Earnings coverage of net charge-offs (x) | 3.7077% | 3,206 |
| Efficiency ratio | 71.0684% | 3,976 |
| Assets per employee ($millions) | 3.8525% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 1,927 |
| Loan loss allowance to noncurrent loans | 67.4441% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.2723% | 3,165 |
| Noncurrent loans to loans | 3.1438% | 2,548 |
| Net loans and leases to total assets | 70.7463% | 2,728 |
| Net loans and leases to deposits | 84.9529% | 2,714 |
| Net loans and leases to core deposits | 90.1998% | 3,224 |
| Total domestic deposits to total assets | 83.2771% | 4,452 |
| Equity capital to assets | 16.2687% | 632 |
| Core capital (leverage) ratio | 16.0552% | 561 |
| Tier 1 risk-based capital ratio | 20.6189% | 1,403 |
| Total risk-based capital ratio | 21.8787% | 1,374 |
| Memoranda: | ||
| Average total assets | $93,179,330 | 5,275 |
| Average earning assets | $88,723,330 | 5,146 |
| Average equity | $14,873,670 | 4,015 |
| Average total loans | $65,059,330 | 4,977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 3,970 |
| Cost of funding earning assets | 0.4927% | 7,681 |
| Net interest margin | 4.7163% | 758 |
| Noninterest income to average assets | 1.1589% | 922 |
| Noninterest expense to average assets | 3.7674% | 1,378 |
| Loan and lease loss provision to assets | 1.0691% | 1,156 |
| Net operating income to assets | 0.8253% | 2,863 |
| Return on assets (ROA) | 0.8253% | 2,956 |
| Pretax return on assets | 0.8253% | 3,765 |
| Return on Equity (ROE) | 5.2199% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.2199% | 3,034 |
| Net charge-offs to loans | 0.2182% | 3,618 |
| Credit loss provision to net charge-offs | 714.2857% | 629 |
| Earnings coverage of net charge-offs (x) | 12.6571% | 1,551 |
| Efficiency ratio | 66.5408% | 4,996 |
| Assets per employee ($millions) | 3.7800% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,987 |
| Loan loss allowance to noncurrent loans | 136.0804% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 5,037 |
| Noncurrent loans to loans | 1.5325% | 4,449 |
| Net loans and leases to total assets | 67.2727% | 3,558 |
| Net loans and leases to deposits | 80.3559% | 3,590 |
| Net loans and leases to core deposits | 85.1019% | 4,033 |
| Total domestic deposits to total assets | 83.7183% | 4,290 |
| Equity capital to assets | 15.7748% | 708 |
| Core capital (leverage) ratio | 15.8052% | 611 |
| Tier 1 risk-based capital ratio | 20.2553% | 1,474 |
| Total risk-based capital ratio | 21.5127% | 1,443 |
| Memoranda: | ||
| Average total assets | $93,539,000 | 5,332 |
| Average earning assets | $89,307,500 | 5,184 |
| Average equity | $14,789,500 | 4,059 |
| Average total loans | $64,174,500 | 5,076 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 4,385 |
| Cost of funding earning assets | 0.6873% | 7,700 |
| Net interest margin | 4.7735% | 731 |
| Noninterest income to average assets | 0.5895% | 3,712 |
| Noninterest expense to average assets | 3.8487% | 1,605 |
| Loan and lease loss provision to assets | 0.9573% | 2,363 |
| Net operating income to assets | 0.2890% | 4,574 |
| Return on assets (ROA) | 0.4113% | 4,193 |
| Pretax return on assets | 0.4124% | 4,460 |
| Return on Equity (ROE) | 2.4901% | 4,713 |
| Retained earnings to average equity (ytd only) | 2.4901% | 3,399 |
| Net charge-offs to loans | 0.6321% | 3,312 |
| Credit loss provision to net charge-offs | 222.8723% | 1,690 |
| Earnings coverage of net charge-offs (x) | 2.9043% | 3,631 |
| Efficiency ratio | 75.5212% | 3,613 |
| Assets per employee ($millions) | 3.7032% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 2,555 |
| Loan loss allowance to noncurrent loans | 95.7948% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 4,517 |
| Noncurrent loans to loans | 1.8747% | 3,836 |
| Net loans and leases to total assets | 67.2766% | 3,866 |
| Net loans and leases to deposits | 80.5004% | 3,891 |
| Net loans and leases to core deposits | 95.1758% | 4,552 |
| Total domestic deposits to total assets | 83.5729% | 4,248 |
| Equity capital to assets | 15.8481% | 721 |
| Core capital (leverage) ratio | 15.1815% | 744 |
| Tier 1 risk-based capital ratio | 20.2413% | 1,417 |
| Total risk-based capital ratio | 21.4955% | 1,381 |
| Memoranda: | ||
| Average total assets | $87,535,800 | 5,467 |
| Average earning assets | $82,644,600 | 5,375 |
| Average equity | $14,457,400 | 4,158 |
| Average total loans | $59,487,200 | 5,273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 4,187 |
| Cost of funding earning assets | 0.7068% | 7,806 |
| Net interest margin | 4.8374% | 641 |
| Noninterest income to average assets | 0.6352% | 3,460 |
| Noninterest expense to average assets | 3.9732% | 1,313 |
| Loan and lease loss provision to assets | 1.0555% | 1,830 |
| Net operating income to assets | 0.1530% | 5,309 |
| Return on assets (ROA) | 0.3184% | 4,835 |
| Pretax return on assets | 0.3199% | 5,006 |
| Return on Equity (ROE) | 1.9069% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.9069% | 4,258 |
| Net charge-offs to loans | 0.4581% | 3,398 |
| Credit loss provision to net charge-offs | 339.8010% | 1,206 |
| Earnings coverage of net charge-offs (x) | 3.8956% | 3,347 |
| Efficiency ratio | 76.6547% | 3,391 |
| Assets per employee ($millions) | 3.8405% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 1,950 |
| Loan loss allowance to noncurrent loans | 762.5000% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 7,144 |
| Noncurrent loans to loans | 0.2535% | 6,878 |
| Net loans and leases to total assets | 61.2396% | 5,371 |
| Net loans and leases to deposits | 72.7437% | 5,543 |
| Net loans and leases to core deposits | 87.7019% | 5,671 |
| Total domestic deposits to total assets | 84.1855% | 3,639 |
| Equity capital to assets | 15.2615% | 935 |
| Core capital (leverage) ratio | 15.7759% | 714 |
| Tier 1 risk-based capital ratio | 20.8088% | 1,394 |
| Total risk-based capital ratio | 22.0652% | 1,365 |
| Memoranda: | ||
| Average total assets | $86,275,000 | 5,544 |
| Average earning assets | $81,115,250 | 5,449 |
| Average equity | $14,403,750 | 4,209 |
| Average total loans | $58,503,250 | 5,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 3,402 |
| Cost of funding earning assets | 0.7011% | 7,919 |
| Net interest margin | 5.0256% | 407 |
| Noninterest income to average assets | 0.6431% | 3,392 |
| Noninterest expense to average assets | 4.2467% | 1,016 |
| Loan and lease loss provision to assets | 1.1345% | 1,515 |
| Net operating income to assets | -0.0241% | 5,888 |
| Return on assets (ROA) | 0.2337% | 5,231 |
| Pretax return on assets | 0.2337% | 5,376 |
| Return on Equity (ROE) | 1.3547% | 5,518 |
| Retained earnings to average equity (ytd only) | 1.3547% | 4,584 |
| Net charge-offs to loans | 0.5205% | 2,763 |
| Credit loss provision to net charge-offs | 311.9205% | 1,496 |
| Earnings coverage of net charge-offs (x) | 3.0530% | 3,593 |
| Efficiency ratio | 79.2716% | 3,153 |
| Assets per employee ($millions) | 3.3159% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 2,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.6642% | 4,219 |
| Net loans and leases to deposits | 81.7340% | 4,267 |
| Net loans and leases to core deposits | 101.7725% | 4,297 |
| Total domestic deposits to total assets | 82.7859% | 4,344 |
| Equity capital to assets | 16.6841% | 714 |
| Core capital (leverage) ratio | 17.0225% | 610 |
| Tier 1 risk-based capital ratio | 21.0537% | 1,384 |
| Total risk-based capital ratio | 22.3070% | 1,356 |
| Memoranda: | ||
| Average total assets | $83,029,000 | 5,699 |
| Average earning assets | $77,880,670 | 5,601 |
| Average equity | $14,320,670 | 4,235 |
| Average total loans | $58,018,670 | 5,423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8078% | 3,257 |
| Cost of funding earning assets | 0.7489% | 7,959 |
| Net interest margin | 5.0589% | 353 |
| Noninterest income to average assets | 0.4519% | 4,751 |
| Noninterest expense to average assets | 4.2782% | 870 |
| Loan and lease loss provision to assets | 0.6778% | 1,866 |
| Net operating income to assets | 0.2407% | 5,524 |
| Return on assets (ROA) | 0.2407% | 5,689 |
| Pretax return on assets | 0.2407% | 5,845 |
| Return on Equity (ROE) | 1.3717% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.3717% | 5,085 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3251% | 2,492 |
| Assets per employee ($millions) | 3.0553% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 3,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.5887% | 3,097 |
| Net loans and leases to deposits | 89.2009% | 3,072 |
| Net loans and leases to core deposits | 102.2883% | 4,310 |
| Total domestic deposits to total assets | 81.3767% | 4,801 |
| Equity capital to assets | 18.1613% | 590 |
| Core capital (leverage) ratio | 17.2085% | 631 |
| Tier 1 risk-based capital ratio | 21.6771% | 1,342 |
| Total risk-based capital ratio | 22.9282% | 1,309 |
| Memoranda: | ||
| Average total assets | $81,436,500 | 5,771 |
| Average earning assets | $76,380,500 | 5,679 |
| Average equity | $14,289,000 | 4,271 |
| Average total loans | $57,361,500 | 5,480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 5,854 |
| Cost of funding earning assets | 1.1912% | 7,952 |
| Net interest margin | 4.7483% | 868 |
| Noninterest income to average assets | 0.3279% | 6,097 |
| Noninterest expense to average assets | 4.4110% | 945 |
| Loan and lease loss provision to assets | 0.3997% | 3,290 |
| Net operating income to assets | -0.0756% | 6,474 |
| Return on assets (ROA) | 0.0366% | 6,126 |
| Pretax return on assets | 0.0380% | 6,081 |
| Return on Equity (ROE) | 0.1870% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.1870% | 5,120 |
| Net charge-offs to loans | 0.0021% | 6,995 |
| Credit loss provision to net charge-offs | 28,400.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 211 |
| Efficiency ratio | 93.2183% | 1,316 |
| Assets per employee ($millions) | 3.2090% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.6003% | 4,733 |
| Net loans and leases to deposits | 80.7275% | 4,921 |
| Net loans and leases to core deposits | 93.5693% | 5,484 |
| Total domestic deposits to total assets | 82.5001% | 3,994 |
| Equity capital to assets | 16.9605% | 788 |
| Core capital (leverage) ratio | 17.9362% | 608 |
| Tier 1 risk-based capital ratio | 21.7808% | 1,345 |
| Total risk-based capital ratio | 22.8729% | 1,331 |
| Memoranda: | ||
| Average total assets | $71,049,800 | 5,998 |
| Average earning assets | $65,897,600 | 5,968 |
| Average equity | $13,901,400 | 4,363 |
| Average total loans | $46,947,400 | 5,826 |