Home > Grinnell State Bank > Performance and Condition Ratios
Grinnell State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 2,768 |
| Cost of funding earning assets | 1.9134% | 1,047 |
| Net interest margin | 2.7462% | 3,756 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.0931% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7106% | 3,167 |
| Return on assets (ROA) | 0.7118% | 3,140 |
| Pretax return on assets | 0.9107% | 2,935 |
| Return on Equity (ROE) | 9.4800% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.0188% | 2,231 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5358% | 1,947 |
| Assets per employee ($millions) | 9.9496% | 713 |
| Cash dividends to net income (ytd only)* | 36.4853% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 2,784 |
| Loan loss allowance to noncurrent loans | 121.2640% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 826 |
| Noncurrent loans to loans | 0.9147% | 820 |
| Net loans and leases to total assets | 70.2400% | 1,782 |
| Net loans and leases to deposits | 90.1776% | 1,246 |
| Net loans and leases to core deposits | 97.0419% | 1,592 |
| Total domestic deposits to total assets | 77.8900% | 3,742 |
| Equity capital to assets | 8.2371% | 3,253 |
| Core capital (leverage) ratio | 11.0072% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8518% | 1,305 |
| Memoranda: | ||
| Average total assets | $462,049,600 | 1,819 |
| Average earning assets | $437,910,600 | 1,782 |
| Average equity | $34,708,000 | 2,065 |
| Average total loans | $330,371,200 | 1,687 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 2,724 |
| Cost of funding earning assets | 1.7997% | 1,006 |
| Net interest margin | 2.7827% | 3,754 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.1612% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6327% | 3,466 |
| Return on assets (ROA) | 0.6327% | 3,456 |
| Pretax return on assets | 0.8750% | 3,160 |
| Return on Equity (ROE) | 8.6300% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.0796% | 2,905 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1821% | 1,656 |
| Assets per employee ($millions) | 10.0236% | 658 |
| Cash dividends to net income (ytd only)* | 41.1711% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 2,869 |
| 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 | 71.8200% | 1,597 |
| Net loans and leases to deposits | 90.7235% | 1,174 |
| Net loans and leases to core deposits | 98.5668% | 1,411 |
| Total domestic deposits to total assets | 79.1600% | 3,667 |
| Equity capital to assets | 6.8944% | 3,665 |
| Core capital (leverage) ratio | 10.0280% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1938% | 1,507 |
| Memoranda: | ||
| Average total assets | $460,654,750 | 1,822 |
| Average earning assets | $436,496,250 | 1,784 |
| Average equity | $33,755,250 | 2,097 |
| Average total loans | $329,931,750 | 1,683 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 2,903 |
| Cost of funding earning assets | 1.6737% | 925 |
| Net interest margin | 2.7168% | 3,949 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.0295% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7461% | 3,226 |
| Return on assets (ROA) | 0.7461% | 3,248 |
| Pretax return on assets | 0.9993% | 2,912 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 6.4980% | 2,450 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.0060% | 2,104 |
| Assets per employee ($millions) | 10.4776% | 580 |
| Cash dividends to net income (ytd only)* | 34.9243% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 2,955 |
| Loan loss allowance to noncurrent loans | 1,473.6000% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,250 |
| Noncurrent loans to loans | 0.0747% | 3,150 |
| Net loans and leases to total assets | 70.2000% | 1,717 |
| Net loans and leases to deposits | 88.6858% | 1,286 |
| Net loans and leases to core deposits | 95.0576% | 1,516 |
| Total domestic deposits to total assets | 79.1600% | 3,699 |
| Equity capital to assets | 7.4598% | 3,543 |
| Core capital (leverage) ratio | 10.5159% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1010% | 1,548 |
| Memoranda: | ||
| Average total assets | $460,510,667 | 1,827 |
| Average earning assets | $436,766,667 | 1,793 |
| Average equity | $34,410,667 | 2,080 |
| Average total loans | $328,302,000 | 1,677 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,954 |
| Cost of funding earning assets | 1.5213% | 808 |
| Net interest margin | 2.7186% | 4,046 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.1634% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5160% | 3,858 |
| Return on assets (ROA) | 0.5160% | 3,821 |
| Pretax return on assets | 0.7639% | 3,540 |
| Return on Equity (ROE) | 6.9000% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.3735% | 3,417 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9039% | 1,353 |
| Assets per employee ($millions) | 10.4918% | 597 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,007 |
| 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 | 71.1500% | 1,506 |
| Net loans and leases to deposits | 90.7975% | 992 |
| Net loans and leases to core deposits | 97.0176% | 1,229 |
| Total domestic deposits to total assets | 78.3600% | 3,964 |
| Equity capital to assets | 7.5481% | 3,537 |
| Core capital (leverage) ratio | 10.6472% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0298% | 1,620 |
| Memoranda: | ||
| Average total assets | $455,021,000 | 1,866 |
| Average earning assets | $432,273,500 | 1,827 |
| Average equity | $34,030,000 | 2,123 |
| Average total loans | $325,110,000 | 1,705 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 1,948 |
| Cost of funding earning assets | 0.5940% | 925 |
| Net interest margin | 3.3220% | 2,504 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.0905% | 3,325 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0293% | 2,461 |
| Return on assets (ROA) | 1.0000% | 2,518 |
| Pretax return on assets | 1.3328% | 1,987 |
| Return on Equity (ROE) | 12.1900% | 2,080 |
| Retained earnings to average equity (ytd only) | 8.9323% | 1,499 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.2977% | 3,153 |
| Assets per employee ($millions) | 9.9645% | 683 |
| Cash dividends to net income (ytd only)* | 26.6963% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,601 |
| 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 | 70.1100% | 1,632 |
| Net loans and leases to deposits | 84.5192% | 1,421 |
| Net loans and leases to core deposits | 88.9983% | 1,554 |
| Total domestic deposits to total assets | 82.9600% | 3,431 |
| Equity capital to assets | 7.4074% | 3,430 |
| Core capital (leverage) ratio | 10.7110% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3092% | 1,530 |
| Memoranda: | ||
| Average total assets | $449,519,800 | 1,855 |
| Average earning assets | $428,600,400 | 1,825 |
| Average equity | $36,888,800 | 2,042 |
| Average total loans | $295,516,400 | 1,740 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 1,690 |
| Cost of funding earning assets | 0.4466% | 998 |
| Net interest margin | 3.3728% | 2,063 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.0539% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1350% | 1,953 |
| Return on assets (ROA) | 1.1350% | 1,924 |
| Pretax return on assets | 1.5218% | 1,351 |
| Return on Equity (ROE) | 13.5000% | 1,565 |
| Retained earnings to average equity (ytd only) | 10.3293% | 1,247 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.4401% | 3,453 |
| Assets per employee ($millions) | 9.5927% | 734 |
| Cash dividends to net income (ytd only)* | 23.5048% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,910 |
| Loan loss allowance to noncurrent loans | 1,239.7112% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,259 |
| Noncurrent loans to loans | 0.0906% | 3,232 |
| Net loans and leases to total assets | 68.5400% | 1,613 |
| Net loans and leases to deposits | 81.1446% | 1,512 |
| Net loans and leases to core deposits | 84.6461% | 1,609 |
| Total domestic deposits to total assets | 84.4600% | 3,395 |
| Equity capital to assets | 7.1664% | 3,425 |
| Core capital (leverage) ratio | 10.4489% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6037% | 1,535 |
| Memoranda: | ||
| Average total assets | $449,799,500 | 1,862 |
| Average earning assets | $429,351,750 | 1,830 |
| Average equity | $37,807,250 | 2,030 |
| Average total loans | $289,876,500 | 1,767 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4794% | 2,197 |
| Cost of funding earning assets | 0.4073% | 876 |
| Net interest margin | 3.0721% | 2,644 |
| Noninterest income to average assets | 0.3605% | 2,991 |
| Noninterest expense to average assets | 2.0489% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9354% | 2,423 |
| Return on assets (ROA) | 0.9354% | 2,399 |
| Pretax return on assets | 1.2513% | 1,897 |
| Return on Equity (ROE) | 10.6199% | 2,129 |
| Retained earnings to average equity (ytd only) | 7.6100% | 1,766 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0833% | 3,037 |
| Assets per employee ($millions) | 10.0293% | 650 |
| Cash dividends to net income (ytd only)* | 28.3420% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,213.4276% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,364 |
| Noncurrent loans to loans | 0.0967% | 3,283 |
| Net loans and leases to total assets | 62.6990% | 2,045 |
| Net loans and leases to deposits | 76.0491% | 1,683 |
| Net loans and leases to core deposits | 78.7467% | 1,798 |
| Total domestic deposits to total assets | 82.4454% | 3,950 |
| Equity capital to assets | 7.5355% | 3,449 |
| Core capital (leverage) ratio | 10.4472% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5072% | 1,569 |
| Memoranda: | ||
| Average total assets | $452,644,000 | 1,868 |
| Average earning assets | $433,120,000 | 1,834 |
| Average equity | $39,868,667 | 1,998 |
| Average total loans | $284,544,667 | 1,779 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3876% | 2,123 |
| Cost of funding earning assets | 0.4118% | 808 |
| Net interest margin | 2.9757% | 2,582 |
| Noninterest income to average assets | 0.3560% | 2,963 |
| Noninterest expense to average assets | 2.0781% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8370% | 2,530 |
| Return on assets (ROA) | 0.8370% | 2,524 |
| Pretax return on assets | 1.1341% | 2,041 |
| Return on Equity (ROE) | 8.8448% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.9018% | 1,613 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6944% | 2,949 |
| Assets per employee ($millions) | 9.7123% | 730 |
| Cash dividends to net income (ytd only)* | 10.6610% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,730 |
| Loan loss allowance to noncurrent loans | 1,184.1379% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,410 |
| Noncurrent loans to loans | 0.1035% | 3,323 |
| Net loans and leases to total assets | 61.9399% | 1,865 |
| Net loans and leases to deposits | 74.6446% | 1,549 |
| Net loans and leases to core deposits | 76.8170% | 1,720 |
| Total domestic deposits to total assets | 82.9797% | 3,940 |
| Equity capital to assets | 8.7551% | 2,927 |
| Core capital (leverage) ratio | 10.5639% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2590% | 1,435 |
| Memoranda: | ||
| Average total assets | $448,291,500 | 1,890 |
| Average earning assets | $430,278,500 | 1,858 |
| Average equity | $42,420,500 | 1,965 |
| Average total loans | $280,469,500 | 1,791 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 1,945 |
| Cost of funding earning assets | 0.5039% | 916 |
| Net interest margin | 3.2647% | 2,423 |
| Noninterest income to average assets | 0.4097% | 2,997 |
| Noninterest expense to average assets | 2.0504% | 3,532 |
| Loan and lease loss provision to assets | 0.1972% | 556 |
| Net operating income to assets | 0.9303% | 2,937 |
| Return on assets (ROA) | 0.8848% | 3,158 |
| Pretax return on assets | 1.2087% | 2,634 |
| Return on Equity (ROE) | 8.3876% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.7486% | 2,458 |
| Net charge-offs to loans | 0.0091% | 2,238 |
| Credit loss provision to net charge-offs | 3,269.2308% | 208 |
| Earnings coverage of net charge-offs (x) | 242.6154% | 473 |
| Efficiency ratio | 58.1870% | 3,419 |
| Assets per employee ($millions) | 9.5706% | 770 |
| Cash dividends to net income (ytd only)* | 31.4630% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,774 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,493 |
| Noncurrent loans to loans | 0.1079% | 3,386 |
| Net loans and leases to total assets | 61.6572% | 1,977 |
| Net loans and leases to deposits | 74.4666% | 1,690 |
| Net loans and leases to core deposits | 77.3546% | 1,815 |
| Total domestic deposits to total assets | 82.7985% | 3,847 |
| Equity capital to assets | 10.1655% | 2,505 |
| Core capital (leverage) ratio | 10.1144% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0818% | 1,486 |
| Memoranda: | ||
| Average total assets | $431,038,400 | 1,892 |
| Average earning assets | $409,832,600 | 1,868 |
| Average equity | $45,472,000 | 1,907 |
| Average total loans | $286,934,600 | 1,756 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 1,807 |
| Cost of funding earning assets | 0.5091% | 1,005 |
| Net interest margin | 3.3741% | 2,225 |
| Noninterest income to average assets | 0.3693% | 3,253 |
| Noninterest expense to average assets | 2.0509% | 3,520 |
| Loan and lease loss provision to assets | 0.1719% | 629 |
| Net operating income to assets | 1.0017% | 2,900 |
| Return on assets (ROA) | 1.0017% | 2,964 |
| Pretax return on assets | 1.3444% | 2,501 |
| Return on Equity (ROE) | 9.4048% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.7621% | 2,511 |
| Net charge-offs to loans | 0.0125% | 1,870 |
| Credit loss provision to net charge-offs | 2,037.0370% | 322 |
| Earnings coverage of net charge-offs (x) | 179.5926% | 601 |
| Efficiency ratio | 57.4910% | 3,353 |
| Assets per employee ($millions) | 9.6501% | 726 |
| Cash dividends to net income (ytd only)* | 28.0987% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,426 |
| Loan loss allowance to noncurrent loans | 417.7333% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 3,015 |
| Noncurrent loans to loans | 0.2640% | 2,869 |
| Net loans and leases to total assets | 61.9397% | 2,011 |
| Net loans and leases to deposits | 74.8153% | 1,779 |
| Net loans and leases to core deposits | 78.1121% | 1,888 |
| Total domestic deposits to total assets | 82.7901% | 3,761 |
| Equity capital to assets | 10.1492% | 2,762 |
| Core capital (leverage) ratio | 10.1883% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8885% | 833 |
| Memoranda: | ||
| Average total assets | $426,344,000 | 1,926 |
| Average earning assets | $404,084,250 | 1,902 |
| Average equity | $45,408,500 | 1,932 |
| Average total loans | $288,473,750 | 1,778 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 1,400 |
| Cost of funding earning assets | 0.5303% | 1,033 |
| Net interest margin | 3.5420% | 1,743 |
| Noninterest income to average assets | 0.3135% | 3,549 |
| Noninterest expense to average assets | 2.0509% | 3,547 |
| Loan and lease loss provision to assets | 0.1678% | 695 |
| Net operating income to assets | 1.0703% | 2,647 |
| Return on assets (ROA) | 1.0703% | 2,727 |
| Pretax return on assets | 1.4437% | 2,199 |
| Return on Equity (ROE) | 9.8804% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.2256% | 2,352 |
| Net charge-offs to loans | 0.0186% | 1,572 |
| Credit loss provision to net charge-offs | 1,296.2963% | 396 |
| Earnings coverage of net charge-offs (x) | 124.5185% | 657 |
| Efficiency ratio | 56.0005% | 3,541 |
| Assets per employee ($millions) | 8.8616% | 901 |
| Cash dividends to net income (ytd only)* | 26.8697% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,789 |
| Loan loss allowance to noncurrent loans | 526.5709% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 3,370 |
| Noncurrent loans to loans | 0.1917% | 3,269 |
| Net loans and leases to total assets | 67.6281% | 1,497 |
| Net loans and leases to deposits | 83.2076% | 1,114 |
| Net loans and leases to core deposits | 87.1455% | 1,334 |
| Total domestic deposits to total assets | 81.2763% | 4,048 |
| Equity capital to assets | 10.7561% | 2,178 |
| Core capital (leverage) ratio | 10.6853% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8271% | 1,681 |
| Memoranda: | ||
| Average total assets | $417,274,000 | 1,946 |
| Average earning assets | $394,527,667 | 1,934 |
| Average equity | $45,200,667 | 1,923 |
| Average total loans | $289,944,000 | 1,783 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 1,089 |
| Cost of funding earning assets | 0.5574% | 1,061 |
| Net interest margin | 3.7132% | 1,304 |
| Noninterest income to average assets | 0.3165% | 3,510 |
| Noninterest expense to average assets | 2.1092% | 3,392 |
| Loan and lease loss provision to assets | 0.1452% | 911 |
| Net operating income to assets | 1.1490% | 2,337 |
| Return on assets (ROA) | 1.1490% | 2,405 |
| Pretax return on assets | 1.5701% | 1,802 |
| Return on Equity (ROE) | 10.5687% | 2,506 |
| Retained earnings to average equity (ytd only) | 7.8976% | 2,279 |
| Net charge-offs to loans | 0.0373% | 1,100 |
| Credit loss provision to net charge-offs | 555.5556% | 568 |
| Earnings coverage of net charge-offs (x) | 65.6296% | 780 |
| Efficiency ratio | 55.1506% | 3,649 |
| Assets per employee ($millions) | 8.9390% | 855 |
| Cash dividends to net income (ytd only)* | 25.2738% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,004 |
| Loan loss allowance to noncurrent loans | 429.7170% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 2,898 |
| Noncurrent loans to loans | 0.2221% | 3,300 |
| Net loans and leases to total assets | 67.4934% | 1,595 |
| Net loans and leases to deposits | 83.8653% | 1,161 |
| Net loans and leases to core deposits | 88.1577% | 1,361 |
| Total domestic deposits to total assets | 80.4783% | 4,143 |
| Equity capital to assets | 10.6750% | 2,109 |
| Core capital (leverage) ratio | 10.8373% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6146% | 1,700 |
| Memoranda: | ||
| Average total assets | $413,231,500 | 1,949 |
| Average earning assets | $390,390,500 | 1,935 |
| Average equity | $44,925,000 | 1,924 |
| Average total loans | $289,618,500 | 1,793 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 1,267 |
| Cost of funding earning assets | 0.7642% | 1,374 |
| Net interest margin | 3.7531% | 1,634 |
| Noninterest income to average assets | 0.3608% | 3,306 |
| Noninterest expense to average assets | 2.2308% | 3,593 |
| Loan and lease loss provision to assets | 0.1937% | 2,020 |
| Net operating income to assets | 1.1229% | 1,824 |
| Return on assets (ROA) | 1.1270% | 1,934 |
| Pretax return on assets | 1.4873% | 1,371 |
| Return on Equity (ROE) | 9.3520% | 2,261 |
| Retained earnings to average equity (ytd only) | 6.5967% | 1,547 |
| Net charge-offs to loans | 0.2375% | 737 |
| Credit loss provision to net charge-offs | 108.3591% | 2,737 |
| Earnings coverage of net charge-offs (x) | 9.3746% | 2,530 |
| Efficiency ratio | 56.9273% | 3,865 |
| Assets per employee ($millions) | 8.8333% | 787 |
| Cash dividends to net income (ytd only)* | 29.4623% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 4,208 |
| Loan loss allowance to noncurrent loans | 235.1351% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 2,649 |
| Noncurrent loans to loans | 0.3789% | 2,847 |
| Net loans and leases to total assets | 71.4523% | 1,375 |
| Net loans and leases to deposits | 87.9677% | 1,093 |
| Net loans and leases to core deposits | 91.6169% | 1,414 |
| Total domestic deposits to total assets | 81.2256% | 3,827 |
| Equity capital to assets | 11.0750% | 2,196 |
| Core capital (leverage) ratio | 10.9248% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1795% | 1,788 |
| Memoranda: | ||
| Average total assets | $361,399,600 | 2,000 |
| Average earning assets | $341,420,000 | 1,975 |
| Average equity | $43,552,200 | 1,886 |
| Average total loans | $271,973,600 | 1,818 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,027 |
| Cost of funding earning assets | 0.7978% | 1,509 |
| Net interest margin | 3.9177% | 1,309 |
| Noninterest income to average assets | 0.3796% | 3,186 |
| Noninterest expense to average assets | 2.2156% | 3,646 |
| Loan and lease loss provision to assets | 0.1142% | 2,895 |
| Net operating income to assets | 1.3113% | 1,330 |
| Return on assets (ROA) | 1.3171% | 1,402 |
| Pretax return on assets | 1.7686% | 831 |
| Return on Equity (ROE) | 10.6781% | 1,789 |
| Retained earnings to average equity (ytd only) | 7.8998% | 1,337 |
| Net charge-offs to loans | 0.3229% | 487 |
| Credit loss provision to net charge-offs | 46.4396% | 2,904 |
| Earnings coverage of net charge-offs (x) | 7.6254% | 2,564 |
| Efficiency ratio | 54.1554% | 4,132 |
| Assets per employee ($millions) | 8.1720% | 940 |
| Cash dividends to net income (ytd only)* | 26.0191% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 4,391 |
| Loan loss allowance to noncurrent loans | 59.5527% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 1,029 |
| Noncurrent loans to loans | 1.3194% | 1,121 |
| Net loans and leases to total assets | 74.2327% | 1,348 |
| Net loans and leases to deposits | 93.2709% | 985 |
| Net loans and leases to core deposits | 96.7630% | 1,395 |
| Total domestic deposits to total assets | 79.5882% | 3,943 |
| Equity capital to assets | 11.9478% | 1,710 |
| Core capital (leverage) ratio | 11.8728% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7425% | 1,573 |
| Memoranda: | ||
| Average total assets | $350,167,000 | 2,027 |
| Average earning assets | $331,749,750 | 1,996 |
| Average equity | $43,190,000 | 1,891 |
| Average total loans | $266,731,500 | 1,831 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 923 |
| Cost of funding earning assets | 0.8600% | 1,545 |
| Net interest margin | 4.0727% | 1,176 |
| Noninterest income to average assets | 0.4081% | 3,029 |
| Noninterest expense to average assets | 2.2852% | 3,558 |
| Loan and lease loss provision to assets | 0.0586% | 3,568 |
| Net operating income to assets | 1.4397% | 1,037 |
| Return on assets (ROA) | 1.4485% | 1,109 |
| Pretax return on assets | 1.9433% | 623 |
| Return on Equity (ROE) | 11.6108% | 1,449 |
| Retained earnings to average equity (ytd only) | 8.7949% | 1,071 |
| Net charge-offs to loans | 0.5002% | 319 |
| Credit loss provision to net charge-offs | 15.2672% | 2,743 |
| Earnings coverage of net charge-offs (x) | 5.1908% | 2,535 |
| Efficiency ratio | 53.4438% | 4,236 |
| Assets per employee ($millions) | 7.9015% | 1,008 |
| Cash dividends to net income (ytd only)* | 24.2522% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 4,524 |
| Loan loss allowance to noncurrent loans | 154.6368% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 2,606 |
| Noncurrent loans to loans | 0.4649% | 2,744 |
| Net loans and leases to total assets | 76.0334% | 1,133 |
| Net loans and leases to deposits | 97.4595% | 697 |
| Net loans and leases to core deposits | 100.7598% | 1,203 |
| Total domestic deposits to total assets | 78.0155% | 4,189 |
| Equity capital to assets | 12.1631% | 1,560 |
| Core capital (leverage) ratio | 11.9846% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7310% | 1,562 |
| Memoranda: | ||
| Average total assets | $341,586,000 | 2,038 |
| Average earning assets | $324,405,333 | 2,002 |
| Average equity | $42,615,667 | 1,901 |
| Average total loans | $261,889,333 | 1,836 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 2,089 |
| Cost of funding earning assets | 0.9037% | 1,845 |
| Net interest margin | 3.6685% | 2,438 |
| Noninterest income to average assets | 0.4658% | 2,722 |
| Noninterest expense to average assets | 2.4800% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0851% | 1,888 |
| Return on assets (ROA) | 1.1033% | 1,927 |
| Pretax return on assets | 1.4904% | 1,329 |
| Return on Equity (ROE) | 8.7233% | 2,220 |
| Retained earnings to average equity (ytd only) | 5.8538% | 1,933 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8256% | 3,395 |
| Assets per employee ($millions) | 7.2994% | 968 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,717 |
| Loan loss allowance to noncurrent loans | 69.4943% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 1,076 |
| Noncurrent loans to loans | 1.4392% | 1,110 |
| Net loans and leases to total assets | 75.3475% | 1,413 |
| Net loans and leases to deposits | 98.0445% | 708 |
| Net loans and leases to core deposits | 101.8757% | 1,338 |
| Total domestic deposits to total assets | 76.8503% | 4,375 |
| Equity capital to assets | 12.4963% | 1,733 |
| Core capital (leverage) ratio | 12.8560% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2168% | 1,551 |
| Memoranda: | ||
| Average total assets | $330,644,500 | 2,039 |
| Average earning assets | $313,809,000 | 2,005 |
| Average equity | $41,819,000 | 1,914 |
| Average total loans | $253,654,500 | 1,839 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 2,415 |
| Cost of funding earning assets | 0.9521% | 1,946 |
| Net interest margin | 3.7165% | 2,765 |
| Noninterest income to average assets | 0.4235% | 3,154 |
| Noninterest expense to average assets | 2.4071% | 3,672 |
| Loan and lease loss provision to assets | 0.0312% | 3,389 |
| Net operating income to assets | 1.1355% | 2,308 |
| Return on assets (ROA) | 1.1715% | 2,268 |
| Pretax return on assets | 1.5188% | 1,746 |
| Return on Equity (ROE) | 9.3202% | 2,596 |
| Retained earnings to average equity (ytd only) | 6.6367% | 1,549 |
| Net charge-offs to loans | -0.0070% | 4,389 |
| Credit loss provision to net charge-offs | -588.2353% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3462% | 3,489 |
| Assets per employee ($millions) | 6.9259% | 1,071 |
| Cash dividends to net income (ytd only)* | 28.7923% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,411 |
| Loan loss allowance to noncurrent loans | 70.2777% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 984 |
| Noncurrent loans to loans | 1.4446% | 1,013 |
| Net loans and leases to total assets | 76.5555% | 1,321 |
| Net loans and leases to deposits | 97.2276% | 823 |
| Net loans and leases to core deposits | 100.5983% | 1,513 |
| Total domestic deposits to total assets | 78.7385% | 4,236 |
| Equity capital to assets | 12.8039% | 1,638 |
| Core capital (leverage) ratio | 12.6954% | 1,375 |
| Tier 1 risk-based capital ratio | 15.3474% | 2,634 |
| Total risk-based capital ratio | 16.3056% | 2,693 |
| Memoranda: | ||
| Average total assets | $320,179,800 | 2,037 |
| Average earning assets | $300,495,000 | 2,021 |
| Average equity | $40,246,000 | 1,926 |
| Average total loans | $242,879,800 | 1,870 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 2,469 |
| Cost of funding earning assets | 0.9333% | 2,070 |
| Net interest margin | 3.7505% | 2,750 |
| Noninterest income to average assets | 0.4177% | 3,215 |
| Noninterest expense to average assets | 2.4028% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1458% | 2,385 |
| Return on assets (ROA) | 1.1822% | 2,342 |
| Pretax return on assets | 1.5731% | 1,728 |
| Return on Equity (ROE) | 9.4496% | 2,695 |
| Retained earnings to average equity (ytd only) | 6.7421% | 1,987 |
| Net charge-offs to loans | -0.0177% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1407% | 3,458 |
| Assets per employee ($millions) | 6.7819% | 1,122 |
| Cash dividends to net income (ytd only)* | 28.6522% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,626 |
| Loan loss allowance to noncurrent loans | 79.8643% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 1,266 |
| Noncurrent loans to loans | 1.2395% | 1,255 |
| Net loans and leases to total assets | 77.5376% | 1,220 |
| Net loans and leases to deposits | 101.2877% | 542 |
| Net loans and leases to core deposits | 104.9705% | 1,261 |
| Total domestic deposits to total assets | 76.5519% | 4,582 |
| Equity capital to assets | 12.9565% | 1,654 |
| Core capital (leverage) ratio | 12.5687% | 1,539 |
| Tier 1 risk-based capital ratio | 15.1460% | 2,786 |
| Total risk-based capital ratio | 16.0766% | 2,865 |
| Memoranda: | ||
| Average total assets | $318,845,250 | 2,053 |
| Average earning assets | $298,583,250 | 2,046 |
| Average equity | $39,887,750 | 1,944 |
| Average total loans | $240,660,250 | 1,891 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 2,549 |
| Cost of funding earning assets | 0.8615% | 2,345 |
| Net interest margin | 3.7762% | 2,667 |
| Noninterest income to average assets | 0.4096% | 3,215 |
| Noninterest expense to average assets | 2.4204% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1476% | 2,334 |
| Return on assets (ROA) | 1.1472% | 2,414 |
| Pretax return on assets | 1.5241% | 1,777 |
| Return on Equity (ROE) | 9.2802% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.5403% | 2,031 |
| Net charge-offs to loans | -0.0008% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3514% | 3,533 |
| Assets per employee ($millions) | 6.8928% | 1,054 |
| Cash dividends to net income (ytd only)* | 29.5243% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,611 |
| Loan loss allowance to noncurrent loans | 80.3424% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,375 |
| Noncurrent loans to loans | 1.2458% | 1,278 |
| Net loans and leases to total assets | 74.4987% | 1,805 |
| Net loans and leases to deposits | 97.2852% | 909 |
| Net loans and leases to core deposits | 100.7939% | 1,647 |
| Total domestic deposits to total assets | 76.5777% | 4,610 |
| Equity capital to assets | 12.5074% | 1,853 |
| Core capital (leverage) ratio | 12.3383% | 1,616 |
| Tier 1 risk-based capital ratio | 15.2425% | 2,734 |
| Total risk-based capital ratio | 16.1843% | 2,792 |
| Memoranda: | ||
| Average total assets | $318,876,670 | 2,056 |
| Average earning assets | $298,551,330 | 2,048 |
| Average equity | $39,417,330 | 1,960 |
| Average total loans | $237,672,670 | 1,923 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 2,557 |
| Cost of funding earning assets | 0.8531% | 2,255 |
| Net interest margin | 3.7386% | 2,749 |
| Noninterest income to average assets | 0.3895% | 3,261 |
| Noninterest expense to average assets | 2.4834% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0735% | 2,569 |
| Return on assets (ROA) | 1.0735% | 2,616 |
| Pretax return on assets | 1.4137% | 2,038 |
| Return on Equity (ROE) | 8.7376% | 2,930 |
| Retained earnings to average equity (ytd only) | 5.9589% | 2,470 |
| Net charge-offs to loans | -0.0017% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7249% | 3,282 |
| Assets per employee ($millions) | 6.8226% | 1,076 |
| Cash dividends to net income (ytd only)* | 31.8021% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,610 |
| Loan loss allowance to noncurrent loans | 100.3289% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 1,657 |
| Noncurrent loans to loans | 1.0102% | 1,653 |
| Net loans and leases to total assets | 74.3169% | 1,745 |
| Net loans and leases to deposits | 97.1345% | 875 |
| Net loans and leases to core deposits | 102.3955% | 1,424 |
| Total domestic deposits to total assets | 76.5092% | 4,710 |
| Equity capital to assets | 12.2986% | 1,848 |
| Core capital (leverage) ratio | 12.2064% | 1,657 |
| Tier 1 risk-based capital ratio | 15.1910% | 2,797 |
| Total risk-based capital ratio | 16.1469% | 2,851 |
| Memoranda: | ||
| Average total assets | $316,335,000 | 2,087 |
| Average earning assets | $296,796,000 | 2,066 |
| Average equity | $38,866,500 | 1,974 |
| Average total loans | $234,616,000 | 1,962 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,817 |
| Cost of funding earning assets | 0.7315% | 1,891 |
| Net interest margin | 3.6526% | 3,211 |
| Noninterest income to average assets | 0.6392% | 2,102 |
| Noninterest expense to average assets | 2.4985% | 3,621 |
| Loan and lease loss provision to assets | 0.3878% | 360 |
| Net operating income to assets | 0.9227% | 3,355 |
| Return on assets (ROA) | 0.9010% | 3,428 |
| Pretax return on assets | 1.1195% | 3,205 |
| Return on Equity (ROE) | 7.5252% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.6101% | 2,991 |
| Net charge-offs to loans | 0.4499% | 404 |
| Credit loss provision to net charge-offs | 116.8452% | 2,218 |
| Earnings coverage of net charge-offs (x) | 4.6232% | 3,276 |
| Efficiency ratio | 61.7117% | 3,582 |
| Assets per employee ($millions) | 6.6385% | 1,148 |
| Cash dividends to net income (ytd only)* | 38.7374% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,281 |
| Loan loss allowance to noncurrent loans | 118.1686% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 1,835 |
| Noncurrent loans to loans | 0.9033% | 1,773 |
| Net loans and leases to total assets | 72.4491% | 2,185 |
| Net loans and leases to deposits | 90.5543% | 1,726 |
| Net loans and leases to core deposits | 94.6964% | 2,169 |
| Total domestic deposits to total assets | 80.0063% | 4,108 |
| Equity capital to assets | 12.2740% | 1,713 |
| Core capital (leverage) ratio | 12.2624% | 1,578 |
| Tier 1 risk-based capital ratio | 15.6317% | 2,564 |
| Total risk-based capital ratio | 16.6298% | 2,591 |
| Memoranda: | ||
| Average total assets | $309,429,200 | 2,092 |
| Average earning assets | $287,497,200 | 2,089 |
| Average equity | $37,048,800 | 1,982 |
| Average total loans | $228,270,800 | 1,959 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,953 |
| Cost of funding earning assets | 0.6786% | 1,982 |
| Net interest margin | 3.6247% | 3,286 |
| Noninterest income to average assets | 0.7185% | 1,793 |
| Noninterest expense to average assets | 2.5074% | 3,569 |
| Loan and lease loss provision to assets | 0.5181% | 210 |
| Net operating income to assets | 0.8957% | 3,549 |
| Return on assets (ROA) | 0.8649% | 3,685 |
| Pretax return on assets | 1.0195% | 3,664 |
| Return on Equity (ROE) | 7.2695% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.3298% | 3,591 |
| Net charge-offs to loans | 0.6053% | 243 |
| Credit loss provision to net charge-offs | 115.8301% | 2,042 |
| Earnings coverage of net charge-offs (x) | 3.5183% | 3,155 |
| Efficiency ratio | 61.4367% | 3,595 |
| Assets per employee ($millions) | 6.4395% | 1,217 |
| Cash dividends to net income (ytd only)* | 40.4392% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,276 |
| Loan loss allowance to noncurrent loans | 119.9408% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 1,959 |
| Noncurrent loans to loans | 0.9050% | 1,891 |
| Net loans and leases to total assets | 71.6427% | 2,383 |
| Net loans and leases to deposits | 90.4027% | 1,838 |
| Net loans and leases to core deposits | 94.9104% | 2,215 |
| Total domestic deposits to total assets | 79.2483% | 4,270 |
| Equity capital to assets | 12.0958% | 1,838 |
| Core capital (leverage) ratio | 11.6764% | 2,019 |
| Tier 1 risk-based capital ratio | 15.8597% | 2,500 |
| Total risk-based capital ratio | 16.8832% | 2,529 |
| Memoranda: | ||
| Average total assets | $308,784,500 | 2,110 |
| Average earning assets | $286,472,250 | 2,109 |
| Average equity | $36,737,000 | 1,997 |
| Average total loans | $228,217,000 | 1,963 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 2,836 |
| Cost of funding earning assets | 0.6515% | 1,922 |
| Net interest margin | 3.6288% | 3,204 |
| Noninterest income to average assets | 0.4497% | 3,153 |
| Noninterest expense to average assets | 2.5295% | 3,550 |
| Loan and lease loss provision to assets | 0.5831% | 179 |
| Net operating income to assets | 0.5579% | 4,609 |
| Return on assets (ROA) | 0.5579% | 4,610 |
| Pretax return on assets | 0.7043% | 4,499 |
| Return on Equity (ROE) | 4.7152% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.2651% | 4,699 |
| Net charge-offs to loans | 0.9039% | 148 |
| Credit loss provision to net charge-offs | 86.7052% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.9143% | 3,015 |
| Efficiency ratio | 66.2706% | 2,924 |
| Assets per employee ($millions) | 6.5962% | 1,133 |
| Cash dividends to net income (ytd only)* | 73.1707% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 4,323 |
| Loan loss allowance to noncurrent loans | 101.9157% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 1,857 |
| Noncurrent loans to loans | 0.8866% | 1,949 |
| Net loans and leases to total assets | 75.2821% | 1,753 |
| Net loans and leases to deposits | 95.6313% | 1,181 |
| Net loans and leases to core deposits | 101.1099% | 1,644 |
| Total domestic deposits to total assets | 78.7212% | 4,473 |
| Equity capital to assets | 11.8050% | 1,990 |
| Core capital (leverage) ratio | 11.9123% | 1,770 |
| Tier 1 risk-based capital ratio | 14.4645% | 3,134 |
| Total risk-based capital ratio | 15.3034% | 3,253 |
| Memoranda: | ||
| Average total assets | $308,680,000 | 2,128 |
| Average earning assets | $286,433,330 | 2,122 |
| Average equity | $36,520,000 | 2,009 |
| Average total loans | $229,664,000 | 1,953 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,025 |
| Cost of funding earning assets | 0.6141% | 1,951 |
| Net interest margin | 3.5469% | 3,355 |
| Noninterest income to average assets | 0.4208% | 3,313 |
| Noninterest expense to average assets | 2.5337% | 3,547 |
| Loan and lease loss provision to assets | 0.6493% | 153 |
| Net operating income to assets | 0.4169% | 4,895 |
| Return on assets (ROA) | 0.4169% | 4,899 |
| Pretax return on assets | 0.5234% | 4,841 |
| Return on Equity (ROE) | 3.5196% | 4,886 |
| Retained earnings to average equity (ytd only) | -0.4276% | 4,853 |
| Net charge-offs to loans | 1.8383% | 70 |
| Credit loss provision to net charge-offs | 47.9846% | 1,967 |
| Earnings coverage of net charge-offs (x) | 0.8666% | 2,607 |
| Efficiency ratio | 68.3602% | 2,772 |
| Assets per employee ($millions) | 6.1141% | 1,423 |
| Cash dividends to net income (ytd only)* | 112.1495% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,901 |
| Loan loss allowance to noncurrent loans | 63.0809% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,528 |
| Noncurrent loans to loans | 1.1996% | 1,518 |
| Net loans and leases to total assets | 73.9632% | 1,859 |
| Net loans and leases to deposits | 92.9683% | 1,336 |
| Net loans and leases to core deposits | 98.0682% | 1,830 |
| Total domestic deposits to total assets | 79.5575% | 4,486 |
| Equity capital to assets | 11.8866% | 1,859 |
| Core capital (leverage) ratio | 11.9420% | 1,685 |
| Tier 1 risk-based capital ratio | 14.7410% | 3,009 |
| Total risk-based capital ratio | 15.4388% | 3,204 |
| Memoranda: | ||
| Average total assets | $308,009,000 | 2,150 |
| Average earning assets | $285,317,000 | 2,152 |
| Average equity | $36,481,000 | 2,015 |
| Average total loans | $226,736,500 | 1,985 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 2,619 |
| Cost of funding earning assets | 0.5071% | 2,268 |
| Net interest margin | 3.7118% | 2,754 |
| Noninterest income to average assets | 0.5846% | 2,525 |
| Noninterest expense to average assets | 2.5491% | 3,610 |
| Loan and lease loss provision to assets | 0.1882% | 1,120 |
| Net operating income to assets | 0.9672% | 2,373 |
| Return on assets (ROA) | 1.0411% | 2,118 |
| Pretax return on assets | 1.3584% | 2,131 |
| Return on Equity (ROE) | 9.0356% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.9946% | 1,544 |
| Net charge-offs to loans | 0.5128% | 458 |
| Credit loss provision to net charge-offs | 50.8326% | 3,321 |
| Earnings coverage of net charge-offs (x) | 3.9185% | 3,536 |
| Efficiency ratio | 63.4896% | 3,682 |
| Assets per employee ($millions) | 6.2062% | 1,379 |
| Cash dividends to net income (ytd only)* | 33.6553% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,911 |
| Loan loss allowance to noncurrent loans | 575.1269% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 4,060 |
| Noncurrent loans to loans | 0.1746% | 4,224 |
| Net loans and leases to total assets | 71.9834% | 2,240 |
| Net loans and leases to deposits | 90.9473% | 1,659 |
| Net loans and leases to core deposits | 95.3420% | 2,086 |
| Total domestic deposits to total assets | 79.1484% | 4,510 |
| Equity capital to assets | 11.8023% | 1,978 |
| Core capital (leverage) ratio | 11.6722% | 1,814 |
| Tier 1 risk-based capital ratio | 14.2986% | 3,199 |
| Total risk-based capital ratio | 15.1860% | 3,309 |
| Memoranda: | ||
| Average total assets | $308,232,000 | 2,126 |
| Average earning assets | $283,579,400 | 2,137 |
| Average equity | $35,515,200 | 2,051 |
| Average total loans | $222,517,800 | 1,984 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,710 |
| Cost of funding earning assets | 0.5007% | 2,257 |
| Net interest margin | 3.6710% | 2,860 |
| Noninterest income to average assets | 0.4086% | 3,627 |
| Noninterest expense to average assets | 2.6266% | 3,333 |
| Loan and lease loss provision to assets | 0.2513% | 690 |
| Net operating income to assets | 0.6121% | 4,349 |
| Return on assets (ROA) | 0.6980% | 4,061 |
| Pretax return on assets | 1.0425% | 3,516 |
| Return on Equity (ROE) | 6.0956% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.6902% | 4,286 |
| Net charge-offs to loans | 0.6885% | 278 |
| Credit loss provision to net charge-offs | 50.6550% | 2,904 |
| Earnings coverage of net charge-offs (x) | 2.3493% | 3,473 |
| Efficiency ratio | 69.2642% | 2,660 |
| Assets per employee ($millions) | 5.9442% | 1,539 |
| Cash dividends to net income (ytd only)* | 55.8658% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,102 |
| Loan loss allowance to noncurrent loans | 143.9847% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,724 |
| Noncurrent loans to loans | 0.6902% | 2,638 |
| Net loans and leases to total assets | 72.9103% | 2,113 |
| Net loans and leases to deposits | 92.6026% | 1,481 |
| Net loans and leases to core deposits | 96.8658% | 1,992 |
| Total domestic deposits to total assets | 78.7346% | 4,584 |
| Equity capital to assets | 11.5093% | 2,363 |
| Core capital (leverage) ratio | 11.4931% | 2,023 |
| Tier 1 risk-based capital ratio | 14.3010% | 3,300 |
| Total risk-based capital ratio | 15.2171% | 3,379 |
| Memoranda: | ||
| Average total assets | $307,712,000 | 2,141 |
| Average earning assets | $283,623,250 | 2,153 |
| Average equity | $35,238,000 | 2,074 |
| Average total loans | $221,737,500 | 1,994 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 2,550 |
| Cost of funding earning assets | 0.5035% | 2,139 |
| Net interest margin | 3.6755% | 2,736 |
| Noninterest income to average assets | 0.4096% | 3,628 |
| Noninterest expense to average assets | 2.7010% | 3,084 |
| Loan and lease loss provision to assets | 0.3771% | 371 |
| Net operating income to assets | 0.7061% | 3,821 |
| Return on assets (ROA) | 0.8843% | 3,051 |
| Pretax return on assets | 0.8843% | 3,980 |
| Return on Equity (ROE) | 7.6767% | 3,209 |
| Retained earnings to average equity (ytd only) | 4.1206% | 3,257 |
| Net charge-offs to loans | 1.0493% | 191 |
| Credit loss provision to net charge-offs | 50.3036% | 2,557 |
| Earnings coverage of net charge-offs (x) | 1.4449% | 3,280 |
| Efficiency ratio | 71.3746% | 2,459 |
| Assets per employee ($millions) | 5.8710% | 1,559 |
| Cash dividends to net income (ytd only)* | 46.3235% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,026 |
| Loan loss allowance to noncurrent loans | 234.5473% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,491 |
| Noncurrent loans to loans | 0.4352% | 3,453 |
| Net loans and leases to total assets | 71.5911% | 2,265 |
| Net loans and leases to deposits | 93.6375% | 1,303 |
| Net loans and leases to core deposits | 97.8585% | 1,822 |
| Total domestic deposits to total assets | 76.4557% | 5,031 |
| Equity capital to assets | 11.6852% | 2,165 |
| Core capital (leverage) ratio | 11.5736% | 1,921 |
| Tier 1 risk-based capital ratio | 14.6281% | 3,099 |
| Total risk-based capital ratio | 15.5613% | 3,182 |
| Memoranda: | ||
| Average total assets | $307,591,330 | 2,149 |
| Average earning assets | $282,409,330 | 2,164 |
| Average equity | $35,432,000 | 2,052 |
| Average total loans | $219,774,330 | 2,011 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 2,326 |
| Cost of funding earning assets | 0.5400% | 1,785 |
| Net interest margin | 3.6445% | 2,716 |
| Noninterest income to average assets | 0.4421% | 3,360 |
| Noninterest expense to average assets | 2.6187% | 3,423 |
| Loan and lease loss provision to assets | 1.3003% | 62 |
| Net operating income to assets | -0.1099% | 5,654 |
| Return on assets (ROA) | 0.0103% | 5,604 |
| Pretax return on assets | 0.0103% | 5,596 |
| Return on Equity (ROE) | 0.0889% | 5,604 |
| Retained earnings to average equity (ytd only) | -3.9129% | 5,327 |
| Net charge-offs to loans | 3.5396% | 40 |
| Credit loss provision to net charge-offs | 51.6162% | 1,971 |
| Earnings coverage of net charge-offs (x) | 0.4726% | 2,815 |
| Efficiency ratio | 68.7479% | 3,092 |
| Assets per employee ($millions) | 5.8697% | 1,600 |
| Cash dividends to net income (ytd only)* | 4,500.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,911 |
| Loan loss allowance to noncurrent loans | 125.4328% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 2,906 |
| Noncurrent loans to loans | 0.6813% | 2,805 |
| Net loans and leases to total assets | 71.6094% | 2,127 |
| Net loans and leases to deposits | 93.2597% | 1,190 |
| Net loans and leases to core deposits | 97.4528% | 1,707 |
| Total domestic deposits to total assets | 76.7849% | 5,144 |
| Equity capital to assets | 11.7530% | 1,995 |
| Core capital (leverage) ratio | 11.4855% | 1,959 |
| Tier 1 risk-based capital ratio | 14.7858% | 3,075 |
| Total risk-based capital ratio | 15.5684% | 3,224 |
| Memoranda: | ||
| Average total assets | $309,466,000 | 2,157 |
| Average earning assets | $285,912,000 | 2,158 |
| Average equity | $35,983,500 | 2,030 |
| Average total loans | $220,253,500 | 2,024 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,258 |
| Cost of funding earning assets | 0.4438% | 2,585 |
| Net interest margin | 3.8210% | 2,241 |
| Noninterest income to average assets | 0.5747% | 2,788 |
| Noninterest expense to average assets | 2.5967% | 3,681 |
| Loan and lease loss provision to assets | 0.0989% | 2,400 |
| Net operating income to assets | 1.0206% | 2,261 |
| Return on assets (ROA) | 1.0222% | 2,356 |
| Pretax return on assets | 1.4327% | 1,811 |
| Return on Equity (ROE) | 8.6172% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.9487% | 1,735 |
| Net charge-offs to loans | 0.1886% | 1,472 |
| Credit loss provision to net charge-offs | 73.1707% | 3,080 |
| Earnings coverage of net charge-offs (x) | 11.3122% | 2,552 |
| Efficiency ratio | 62.9345% | 4,115 |
| Assets per employee ($millions) | 6.0454% | 1,446 |
| Cash dividends to net income (ytd only)* | 30.9677% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 4,861 |
| Loan loss allowance to noncurrent loans | 1,443.2836% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,827 |
| Noncurrent loans to loans | 0.0609% | 4,995 |
| Net loans and leases to total assets | 69.3852% | 2,567 |
| Net loans and leases to deposits | 89.2417% | 1,775 |
| Net loans and leases to core deposits | 93.5447% | 2,152 |
| Total domestic deposits to total assets | 77.7498% | 5,010 |
| Equity capital to assets | 11.6894% | 2,015 |
| Core capital (leverage) ratio | 11.6782% | 1,810 |
| Tier 1 risk-based capital ratio | 15.1657% | 2,895 |
| Total risk-based capital ratio | 15.9671% | 3,040 |
| Memoranda: | ||
| Average total assets | $303,268,200 | 2,147 |
| Average earning assets | $281,860,000 | 2,143 |
| Average equity | $35,974,400 | 2,027 |
| Average total loans | $217,425,400 | 1,987 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 2,247 |
| Cost of funding earning assets | 0.4385% | 2,655 |
| Net interest margin | 3.8355% | 2,207 |
| Noninterest income to average assets | 0.6482% | 2,427 |
| Noninterest expense to average assets | 2.6755% | 3,411 |
| Loan and lease loss provision to assets | 0.1331% | 1,760 |
| Net operating income to assets | 0.9297% | 2,752 |
| Return on assets (ROA) | 0.9318% | 2,869 |
| Pretax return on assets | 1.4132% | 1,992 |
| Return on Equity (ROE) | 7.8251% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.8441% | 2,933 |
| Net charge-offs to loans | 0.2589% | 907 |
| Credit loss provision to net charge-offs | 71.2589% | 2,770 |
| Earnings coverage of net charge-offs (x) | 8.2613% | 2,787 |
| Efficiency ratio | 63.4203% | 4,013 |
| Assets per employee ($millions) | 5.7571% | 1,613 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,978 |
| Loan loss allowance to noncurrent loans | 316.2829% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 4,303 |
| Noncurrent loans to loans | 0.2742% | 4,280 |
| Net loans and leases to total assets | 72.0478% | 2,190 |
| Net loans and leases to deposits | 96.3331% | 1,019 |
| Net loans and leases to core deposits | 99.9382% | 1,642 |
| Total domestic deposits to total assets | 74.7903% | 5,359 |
| Equity capital to assets | 11.9417% | 2,158 |
| Core capital (leverage) ratio | 12.0632% | 1,634 |
| Tier 1 risk-based capital ratio | 14.8450% | 3,124 |
| Total risk-based capital ratio | 15.6433% | 3,266 |
| Memoranda: | ||
| Average total assets | $300,495,000 | 2,174 |
| Average earning assets | $279,734,250 | 2,162 |
| Average equity | $35,781,250 | 2,042 |
| Average total loans | $216,768,250 | 2,004 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,319 |
| Cost of funding earning assets | 0.4367% | 2,684 |
| Net interest margin | 3.8173% | 2,244 |
| Noninterest income to average assets | 0.7473% | 1,945 |
| Noninterest expense to average assets | 2.7831% | 3,080 |
| Loan and lease loss provision to assets | 0.1338% | 1,706 |
| Net operating income to assets | 1.0088% | 2,351 |
| Return on assets (ROA) | 1.0122% | 2,474 |
| Pretax return on assets | 1.3962% | 2,045 |
| Return on Equity (ROE) | 8.5089% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.8095% | 2,230 |
| Net charge-offs to loans | 0.4723% | 467 |
| Credit loss provision to net charge-offs | 39.3701% | 2,775 |
| Earnings coverage of net charge-offs (x) | 4.4882% | 2,982 |
| Efficiency ratio | 64.5963% | 3,913 |
| Assets per employee ($millions) | 5.3476% | 1,938 |
| Cash dividends to net income (ytd only)* | 31.7250% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 5,286 |
| Loan loss allowance to noncurrent loans | 214.0567% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 4,019 |
| Noncurrent loans to loans | 0.3732% | 4,029 |
| Net loans and leases to total assets | 73.2858% | 1,965 |
| Net loans and leases to deposits | 96.8781% | 978 |
| Net loans and leases to core deposits | 99.7252% | 1,650 |
| Total domestic deposits to total assets | 75.6474% | 5,332 |
| Equity capital to assets | 12.3549% | 1,865 |
| Core capital (leverage) ratio | 11.9911% | 1,632 |
| Tier 1 risk-based capital ratio | 15.1496% | 3,006 |
| Total risk-based capital ratio | 15.8906% | 3,174 |
| Memoranda: | ||
| Average total assets | $298,951,670 | 2,193 |
| Average earning assets | $278,886,330 | 2,178 |
| Average equity | $35,562,670 | 2,058 |
| Average total loans | $215,104,670 | 2,017 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 2,409 |
| Cost of funding earning assets | 0.4440% | 2,647 |
| Net interest margin | 3.7732% | 2,393 |
| Noninterest income to average assets | 0.5575% | 2,763 |
| Noninterest expense to average assets | 3.0687% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6654% | 3,898 |
| Return on assets (ROA) | 0.6716% | 3,989 |
| Pretax return on assets | 1.0061% | 3,459 |
| Return on Equity (ROE) | 5.7541% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.0249% | 4,002 |
| Net charge-offs to loans | 1.0504% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.3363% | 2,834 |
| Efficiency ratio | 75.4816% | 2,257 |
| Assets per employee ($millions) | 5.1569% | 2,183 |
| Cash dividends to net income (ytd only)* | 47.4308% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 5,610 |
| Loan loss allowance to noncurrent loans | 147.0238% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 3,888 |
| Noncurrent loans to loans | 0.4705% | 3,768 |
| Net loans and leases to total assets | 71.1324% | 2,169 |
| Net loans and leases to deposits | 89.9489% | 1,584 |
| Net loans and leases to core deposits | 93.2376% | 2,067 |
| Total domestic deposits to total assets | 79.0809% | 4,950 |
| Equity capital to assets | 11.8302% | 2,134 |
| Core capital (leverage) ratio | 11.6970% | 1,829 |
| Tier 1 risk-based capital ratio | 14.9180% | 3,196 |
| Total risk-based capital ratio | 15.5546% | 3,423 |
| Memoranda: | ||
| Average total assets | $301,369,000 | 2,176 |
| Average earning assets | $280,183,500 | 2,179 |
| Average equity | $35,175,000 | 2,072 |
| Average total loans | $214,016,000 | 2,022 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,179 |
| Cost of funding earning assets | 0.4295% | 2,853 |
| Net interest margin | 3.8848% | 2,081 |
| Noninterest income to average assets | 0.8168% | 1,722 |
| Noninterest expense to average assets | 2.6784% | 3,657 |
| Loan and lease loss provision to assets | 0.2330% | 843 |
| Net operating income to assets | 1.0442% | 2,150 |
| Return on assets (ROA) | 1.0064% | 2,418 |
| Pretax return on assets | 1.4459% | 1,740 |
| Return on Equity (ROE) | 8.7579% | 2,590 |
| Retained earnings to average equity (ytd only) | 6.2750% | 1,661 |
| Net charge-offs to loans | 0.2460% | 1,222 |
| Credit loss provision to net charge-offs | 137.4749% | 1,905 |
| Earnings coverage of net charge-offs (x) | 10.2244% | 2,712 |
| Efficiency ratio | 60.7176% | 4,797 |
| Assets per employee ($millions) | 5.0606% | 2,293 |
| Cash dividends to net income (ytd only)* | 28.3496% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 4,833 |
| Loan loss allowance to noncurrent loans | 103.7037% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 2,851 |
| Noncurrent loans to loans | 0.9219% | 2,496 |
| Net loans and leases to total assets | 69.7373% | 2,407 |
| Net loans and leases to deposits | 88.8832% | 1,763 |
| Net loans and leases to core deposits | 91.7449% | 2,251 |
| Total domestic deposits to total assets | 78.4595% | 5,070 |
| Equity capital to assets | 11.5157% | 2,343 |
| Core capital (leverage) ratio | 11.4205% | 2,022 |
| Tier 1 risk-based capital ratio | 14.6192% | 3,368 |
| Total risk-based capital ratio | 15.4864% | 3,497 |
| Memoranda: | ||
| Average total assets | $294,425,600 | 2,183 |
| Average earning assets | $272,420,000 | 2,187 |
| Average equity | $33,832,400 | 2,104 |
| Average total loans | $202,804,600 | 2,049 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,321 |
| Cost of funding earning assets | 0.4245% | 2,966 |
| Net interest margin | 3.8484% | 2,198 |
| Noninterest income to average assets | 0.7942% | 1,824 |
| Noninterest expense to average assets | 2.7522% | 3,375 |
| Loan and lease loss provision to assets | 0.1821% | 1,141 |
| Net operating income to assets | 1.0170% | 2,386 |
| Return on assets (ROA) | 0.9831% | 2,640 |
| Pretax return on assets | 1.3674% | 2,147 |
| Return on Equity (ROE) | 8.5604% | 2,789 |
| Retained earnings to average equity (ytd only) | 6.0567% | 2,210 |
| Net charge-offs to loans | 0.1560% | 1,580 |
| Credit loss provision to net charge-offs | 170.5128% | 1,526 |
| Earnings coverage of net charge-offs (x) | 14.9488% | 2,215 |
| Efficiency ratio | 63.2872% | 4,363 |
| Assets per employee ($millions) | 4.9429% | 2,369 |
| Cash dividends to net income (ytd only)* | 29.2479% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,921 |
| Loan loss allowance to noncurrent loans | 124.4308% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 1,939 |
| Noncurrent loans to loans | 0.7745% | 3,034 |
| Net loans and leases to total assets | 70.0646% | 2,374 |
| Net loans and leases to deposits | 93.5436% | 1,252 |
| Net loans and leases to core deposits | 96.7740% | 1,813 |
| Total domestic deposits to total assets | 74.9004% | 5,629 |
| Equity capital to assets | 11.6247% | 2,398 |
| Core capital (leverage) ratio | 11.3793% | 2,129 |
| Tier 1 risk-based capital ratio | 14.4479% | 3,608 |
| Total risk-based capital ratio | 15.3107% | 3,761 |
| Memoranda: | ||
| Average total assets | $292,122,500 | 2,208 |
| Average earning assets | $269,819,250 | 2,216 |
| Average equity | $33,549,000 | 2,127 |
| Average total loans | $200,057,500 | 2,075 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 2,655 |
| Cost of funding earning assets | 0.4162% | 3,081 |
| Net interest margin | 3.7517% | 2,510 |
| Noninterest income to average assets | 0.5601% | 2,978 |
| Noninterest expense to average assets | 2.7512% | 3,407 |
| Loan and lease loss provision to assets | 0.0688% | 2,738 |
| Net operating income to assets | 0.7858% | 3,458 |
| Return on assets (ROA) | 0.7398% | 3,797 |
| Pretax return on assets | 1.1306% | 3,048 |
| Return on Equity (ROE) | 6.4681% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.9410% | 3,502 |
| Net charge-offs to loans | -0.0650% | 5,641 |
| Credit loss provision to net charge-offs | -156.2500% | 4,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4120% | 3,611 |
| Assets per employee ($millions) | 4.7993% | 2,542 |
| Cash dividends to net income (ytd only)* | 39.0698% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,978 |
| Loan loss allowance to noncurrent loans | 97.4916% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6699% | 1,429 |
| Noncurrent loans to loans | 1.0026% | 2,639 |
| Net loans and leases to total assets | 68.8072% | 2,516 |
| Net loans and leases to deposits | 87.8784% | 1,852 |
| Net loans and leases to core deposits | 90.1632% | 2,334 |
| Total domestic deposits to total assets | 78.2982% | 5,214 |
| Equity capital to assets | 11.2335% | 2,638 |
| Core capital (leverage) ratio | 11.1097% | 2,323 |
| Tier 1 risk-based capital ratio | 14.2379% | 3,798 |
| Total risk-based capital ratio | 15.1102% | 3,936 |
| Memoranda: | ||
| Average total assets | $290,638,330 | 2,229 |
| Average earning assets | $268,144,670 | 2,247 |
| Average equity | $33,240,000 | 2,158 |
| Average total loans | $196,804,670 | 2,111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 2,655 |
| Cost of funding earning assets | 0.3973% | 3,338 |
| Net interest margin | 3.7461% | 2,446 |
| Noninterest income to average assets | 0.5920% | 2,690 |
| Noninterest expense to average assets | 2.9598% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7891% | 3,319 |
| Return on assets (ROA) | 0.8023% | 3,374 |
| Pretax return on assets | 1.1045% | 3,052 |
| Return on Equity (ROE) | 6.9509% | 3,536 |
| Retained earnings to average equity (ytd only) | 4.4167% | 3,378 |
| Net charge-offs to loans | -0.1189% | 5,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1497% | 2,966 |
| Assets per employee ($millions) | 4.6084% | 2,894 |
| Cash dividends to net income (ytd only)* | 36.4583% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 5,083 |
| Loan loss allowance to noncurrent loans | 88.0810% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7321% | 1,440 |
| Noncurrent loans to loans | 1.1245% | 2,525 |
| Net loans and leases to total assets | 66.9628% | 2,610 |
| Net loans and leases to deposits | 85.4779% | 1,898 |
| Net loans and leases to core deposits | 86.9909% | 2,434 |
| Total domestic deposits to total assets | 78.3393% | 5,383 |
| Equity capital to assets | 11.7178% | 2,273 |
| Core capital (leverage) ratio | 11.5149% | 1,996 |
| Tier 1 risk-based capital ratio | 14.8204% | 3,532 |
| Total risk-based capital ratio | 15.6878% | 3,681 |
| Memoranda: | ||
| Average total assets | $287,179,500 | 2,272 |
| Average earning assets | $264,806,500 | 2,282 |
| Average equity | $33,147,000 | 2,166 |
| Average total loans | $191,826,500 | 2,166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,588 |
| Cost of funding earning assets | 0.4225% | 3,453 |
| Net interest margin | 3.8829% | 2,304 |
| Noninterest income to average assets | 0.6059% | 2,822 |
| Noninterest expense to average assets | 2.7869% | 3,534 |
| Loan and lease loss provision to assets | 0.0357% | 3,877 |
| Net operating income to assets | 1.0135% | 2,324 |
| Return on assets (ROA) | 1.0274% | 2,346 |
| Pretax return on assets | 1.3711% | 1,998 |
| Return on Equity (ROE) | 9.1670% | 2,506 |
| Retained earnings to average equity (ytd only) | 6.8760% | 1,461 |
| Net charge-offs to loans | -0.0216% | 5,710 |
| Credit loss provision to net charge-offs | -256.4103% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7492% | 4,101 |
| Assets per employee ($millions) | 4.6555% | 2,786 |
| Cash dividends to net income (ytd only)* | 24.9913% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 5,172 |
| Loan loss allowance to noncurrent loans | 58.8030% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.0559% | 1,215 |
| Noncurrent loans to loans | 1.6585% | 1,761 |
| Net loans and leases to total assets | 65.3259% | 2,998 |
| Net loans and leases to deposits | 82.4624% | 2,412 |
| Net loans and leases to core deposits | 83.9299% | 2,908 |
| Total domestic deposits to total assets | 79.2190% | 5,199 |
| Equity capital to assets | 11.3685% | 2,539 |
| Core capital (leverage) ratio | 11.5119% | 1,964 |
| Tier 1 risk-based capital ratio | 15.2609% | 3,336 |
| Total risk-based capital ratio | 16.1373% | 3,483 |
| Memoranda: | ||
| Average total assets | $280,423,800 | 2,276 |
| Average earning assets | $257,773,400 | 2,290 |
| Average equity | $31,428,000 | 2,199 |
| Average total loans | $180,881,200 | 2,214 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,424 |
| Cost of funding earning assets | 0.4270% | 3,493 |
| Net interest margin | 3.9227% | 2,145 |
| Noninterest income to average assets | 0.5259% | 3,351 |
| Noninterest expense to average assets | 2.8455% | 3,304 |
| Loan and lease loss provision to assets | 0.0479% | 3,419 |
| Net operating income to assets | 0.8676% | 3,085 |
| Return on assets (ROA) | 0.8861% | 3,083 |
| Pretax return on assets | 1.2669% | 2,508 |
| Return on Equity (ROE) | 7.9359% | 3,244 |
| Retained earnings to average equity (ytd only) | 5.6195% | 2,654 |
| Net charge-offs to loans | -0.0239% | 5,663 |
| Credit loss provision to net charge-offs | -312.5000% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8333% | 3,700 |
| Assets per employee ($millions) | 4.4192% | 3,106 |
| Cash dividends to net income (ytd only)* | 29.1890% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 5,029 |
| Loan loss allowance to noncurrent loans | 71.9005% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 1,978 |
| Noncurrent loans to loans | 1.4477% | 2,247 |
| Net loans and leases to total assets | 64.1924% | 3,147 |
| Net loans and leases to deposits | 80.5791% | 2,607 |
| Net loans and leases to core deposits | 81.7913% | 3,120 |
| Total domestic deposits to total assets | 79.6638% | 5,179 |
| Equity capital to assets | 11.6552% | 2,358 |
| Core capital (leverage) ratio | 11.3933% | 2,141 |
| Tier 1 risk-based capital ratio | 15.9188% | 3,091 |
| Total risk-based capital ratio | 16.8542% | 3,199 |
| Memoranda: | ||
| Average total assets | $278,370,000 | 2,306 |
| Average earning assets | $256,044,000 | 2,313 |
| Average equity | $31,081,500 | 2,226 |
| Average total loans | $178,498,250 | 2,253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 2,484 |
| Cost of funding earning assets | 0.4214% | 3,638 |
| Net interest margin | 3.9068% | 2,137 |
| Noninterest income to average assets | 0.4846% | 3,598 |
| Noninterest expense to average assets | 2.8968% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7887% | 3,388 |
| Return on assets (ROA) | 0.8155% | 3,355 |
| Pretax return on assets | 1.2257% | 2,551 |
| Return on Equity (ROE) | 7.4097% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.0719% | 2,916 |
| Net charge-offs to loans | -0.0123% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9559% | 3,502 |
| Assets per employee ($millions) | 4.4487% | 3,009 |
| Cash dividends to net income (ytd only)* | 31.5513% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,497 |
| Loan loss allowance to noncurrent loans | 80.6061% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 2,359 |
| Noncurrent loans to loans | 1.2002% | 2,832 |
| Net loans and leases to total assets | 64.1706% | 3,050 |
| Net loans and leases to deposits | 80.3067% | 2,477 |
| Net loans and leases to core deposits | 81.4423% | 3,041 |
| Total domestic deposits to total assets | 79.9069% | 5,263 |
| Equity capital to assets | 11.4034% | 2,508 |
| Core capital (leverage) ratio | 11.1021% | 2,331 |
| Tier 1 risk-based capital ratio | 15.6205% | 3,284 |
| Total risk-based capital ratio | 16.4930% | 3,448 |
| Memoranda: | ||
| Average total assets | $279,830,330 | 2,294 |
| Average earning assets | $257,701,330 | 2,300 |
| Average equity | $30,797,330 | 2,228 |
| Average total loans | $178,754,330 | 2,247 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 2,790 |
| Cost of funding earning assets | 0.4038% | 3,927 |
| Net interest margin | 3.8178% | 2,393 |
| Noninterest income to average assets | 0.5649% | 2,953 |
| Noninterest expense to average assets | 3.0727% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7004% | 3,686 |
| Return on assets (ROA) | 0.7494% | 3,501 |
| Pretax return on assets | 1.0786% | 3,002 |
| Return on Equity (ROE) | 6.9315% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.5685% | 3,382 |
| Net charge-offs to loans | -0.1454% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3043% | 2,905 |
| Assets per employee ($millions) | 4.6150% | 2,784 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 5,607 |
| Loan loss allowance to noncurrent loans | 74.0756% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 2,346 |
| Noncurrent loans to loans | 1.3196% | 2,827 |
| Net loans and leases to total assets | 63.1264% | 3,053 |
| Net loans and leases to deposits | 77.4392% | 2,634 |
| Net loans and leases to core deposits | 78.1285% | 3,188 |
| Total domestic deposits to total assets | 81.5174% | 5,083 |
| Equity capital to assets | 10.7252% | 3,009 |
| Core capital (leverage) ratio | 10.9472% | 2,437 |
| Tier 1 risk-based capital ratio | 15.0489% | 3,692 |
| Total risk-based capital ratio | 15.9280% | 3,853 |
| Memoranda: | ||
| Average total assets | $281,835,000 | 2,288 |
| Average earning assets | $259,518,500 | 2,292 |
| Average equity | $30,469,500 | 2,245 |
| Average total loans | $178,769,000 | 2,246 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,773 |
| Cost of funding earning assets | 0.4230% | 4,398 |
| Net interest margin | 3.9271% | 2,192 |
| Noninterest income to average assets | 1.4781% | 642 |
| Noninterest expense to average assets | 2.9933% | 3,077 |
| Loan and lease loss provision to assets | 0.2228% | 1,638 |
| Net operating income to assets | 1.2604% | 1,362 |
| Return on assets (ROA) | 1.2646% | 1,407 |
| Pretax return on assets | 1.8876% | 620 |
| Return on Equity (ROE) | 11.5783% | 1,561 |
| Retained earnings to average equity (ytd only) | 9.1308% | 747 |
| Net charge-offs to loans | -0.2282% | 6,634 |
| Credit loss provision to net charge-offs | -160.8579% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7224% | 5,646 |
| Assets per employee ($millions) | 4.4765% | 2,947 |
| Cash dividends to net income (ytd only)* | 21.1392% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 5,656 |
| Loan loss allowance to noncurrent loans | 70.7578% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 2,590 |
| Noncurrent loans to loans | 1.3864% | 2,819 |
| Net loans and leases to total assets | 62.4823% | 3,301 |
| Net loans and leases to deposits | 77.0842% | 2,844 |
| Net loans and leases to core deposits | 78.1229% | 3,341 |
| Total domestic deposits to total assets | 81.0572% | 5,158 |
| Equity capital to assets | 10.8997% | 2,705 |
| Core capital (leverage) ratio | 11.2113% | 2,184 |
| Tier 1 risk-based capital ratio | 15.5849% | 3,318 |
| Total risk-based capital ratio | 16.4723% | 3,479 |
| Memoranda: | ||
| Average total assets | $269,334,600 | 2,352 |
| Average earning assets | $248,225,200 | 2,345 |
| Average equity | $29,417,000 | 2,285 |
| Average total loans | $163,433,600 | 2,375 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,706 |
| Cost of funding earning assets | 0.4361% | 4,436 |
| Net interest margin | 3.9294% | 2,175 |
| Noninterest income to average assets | 1.5753% | 589 |
| Noninterest expense to average assets | 2.9940% | 3,017 |
| Loan and lease loss provision to assets | 0.2993% | 1,131 |
| Net operating income to assets | 1.2317% | 1,529 |
| Return on assets (ROA) | 1.2745% | 1,486 |
| Pretax return on assets | 1.9664% | 620 |
| Return on Equity (ROE) | 11.6630% | 1,593 |
| Retained earnings to average equity (ytd only) | 9.1980% | 1,005 |
| Net charge-offs to loans | -0.0174% | 6,016 |
| Credit loss provision to net charge-offs | -2,857.1429% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6450% | 5,733 |
| Assets per employee ($millions) | 4.1843% | 3,459 |
| Cash dividends to net income (ytd only)* | 21.1350% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 6,200 |
| Loan loss allowance to noncurrent loans | 44.0361% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 1.9088% | 2,123 |
| Noncurrent loans to loans | 1.9045% | 2,365 |
| Net loans and leases to total assets | 62.2581% | 3,316 |
| Net loans and leases to deposits | 78.8109% | 2,548 |
| Net loans and leases to core deposits | 79.9734% | 3,136 |
| Total domestic deposits to total assets | 78.9969% | 5,744 |
| Equity capital to assets | 11.4402% | 2,342 |
| Core capital (leverage) ratio | 11.2250% | 2,277 |
| Tier 1 risk-based capital ratio | 16.3774% | 3,000 |
| Total risk-based capital ratio | 17.1356% | 3,207 |
| Memoranda: | ||
| Average total assets | $267,283,000 | 2,385 |
| Average earning assets | $246,136,000 | 2,380 |
| Average equity | $29,208,500 | 2,322 |
| Average total loans | $160,509,000 | 2,429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 2,799 |
| Cost of funding earning assets | 0.4451% | 4,485 |
| Net interest margin | 3.8928% | 2,233 |
| Noninterest income to average assets | 1.9511% | 460 |
| Noninterest expense to average assets | 3.0559% | 2,817 |
| Loan and lease loss provision to assets | 0.4446% | 658 |
| Net operating income to assets | 1.2309% | 1,513 |
| Return on assets (ROA) | 1.2931% | 1,432 |
| Pretax return on assets | 2.1378% | 474 |
| Return on Equity (ROE) | 12.0131% | 1,487 |
| Retained earnings to average equity (ytd only) | 9.5347% | 957 |
| Net charge-offs to loans | 0.0313% | 4,252 |
| Credit loss provision to net charge-offs | 2,400.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 134.1600% | 367 |
| Efficiency ratio | 55.1484% | 6,053 |
| Assets per employee ($millions) | 4.3029% | 3,166 |
| Cash dividends to net income (ytd only)* | 20.6304% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 6,348 |
| Loan loss allowance to noncurrent loans | 53.7022% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 2,515 |
| Noncurrent loans to loans | 1.4914% | 3,071 |
| Net loans and leases to total assets | 61.2838% | 3,425 |
| Net loans and leases to deposits | 76.0912% | 2,862 |
| Net loans and leases to core deposits | 77.1562% | 3,405 |
| Total domestic deposits to total assets | 80.5399% | 5,464 |
| Equity capital to assets | 10.7865% | 2,957 |
| Core capital (leverage) ratio | 10.9745% | 2,381 |
| Tier 1 risk-based capital ratio | 15.9524% | 3,219 |
| Total risk-based capital ratio | 16.6817% | 3,479 |
| Memoranda: | ||
| Average total assets | $269,901,330 | 2,373 |
| Average earning assets | $248,918,000 | 2,355 |
| Average equity | $29,051,670 | 2,339 |
| Average total loans | $159,718,330 | 2,445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 2,310 |
| Cost of funding earning assets | 0.4760% | 4,317 |
| Net interest margin | 3.9862% | 1,844 |
| Noninterest income to average assets | 1.8433% | 488 |
| Noninterest expense to average assets | 3.2594% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8987% | 409 |
| Return on assets (ROA) | 2.1660% | 285 |
| Pretax return on assets | 2.5668% | 243 |
| Return on Equity (ROE) | 20.1442% | 287 |
| Retained earnings to average equity (ytd only) | 17.6776% | 207 |
| Net charge-offs to loans | -0.0534% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1760% | 5,698 |
| Assets per employee ($millions) | 4.4353% | 3,086 |
| Cash dividends to net income (ytd only)* | 12.2449% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4801% | 6,802 |
| Loan loss allowance to noncurrent loans | 30.6523% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 2.3127% | 2,008 |
| Noncurrent loans to loans | 1.5662% | 3,191 |
| Net loans and leases to total assets | 58.6916% | 3,669 |
| Net loans and leases to deposits | 72.8862% | 3,070 |
| Net loans and leases to core deposits | 73.8880% | 3,594 |
| Total domestic deposits to total assets | 80.5251% | 5,620 |
| Equity capital to assets | 10.9886% | 2,968 |
| Core capital (leverage) ratio | 10.7117% | 2,539 |
| Tier 1 risk-based capital ratio | 16.3952% | 3,064 |
| Total risk-based capital ratio | 16.8316% | 3,446 |
| Memoranda: | ||
| Average total assets | $271,463,500 | 2,378 |
| Average earning assets | $249,561,000 | 2,381 |
| Average equity | $29,189,500 | 2,357 |
| Average total loans | $157,172,000 | 2,497 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 2,647 |
| Cost of funding earning assets | 0.6031% | 4,319 |
| Net interest margin | 4.0837% | 2,069 |
| Noninterest income to average assets | 0.5479% | 3,602 |
| Noninterest expense to average assets | 3.1723% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7724% | 3,406 |
| Return on assets (ROA) | 0.7734% | 3,654 |
| Pretax return on assets | 1.1327% | 3,043 |
| Return on Equity (ROE) | 7.4662% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.8805% | 2,786 |
| Net charge-offs to loans | 0.0550% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 34.5568% | 907 |
| Efficiency ratio | 73.7142% | 3,111 |
| Assets per employee ($millions) | 4.4651% | 3,026 |
| Cash dividends to net income (ytd only)* | 34.6320% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4813% | 6,852 |
| Loan loss allowance to noncurrent loans | 14.0011% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 3.3153% | 1,385 |
| Noncurrent loans to loans | 3.4376% | 1,460 |
| Net loans and leases to total assets | 56.5550% | 4,192 |
| Net loans and leases to deposits | 70.9562% | 3,567 |
| Net loans and leases to core deposits | 71.9310% | 4,051 |
| Total domestic deposits to total assets | 79.7040% | 5,742 |
| Equity capital to assets | 10.5183% | 3,507 |
| Core capital (leverage) ratio | 10.2371% | 3,085 |
| Tier 1 risk-based capital ratio | 16.0122% | 3,159 |
| Total risk-based capital ratio | 16.4462% | 3,561 |
| Memoranda: | ||
| Average total assets | $268,825,600 | 2,351 |
| Average earning assets | $247,227,800 | 2,349 |
| Average equity | $27,845,600 | 2,408 |
| Average total loans | $160,141,600 | 2,428 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 2,749 |
| Cost of funding earning assets | 0.6293% | 4,372 |
| Net interest margin | 4.0848% | 2,145 |
| Noninterest income to average assets | 0.5912% | 3,339 |
| Noninterest expense to average assets | 3.2260% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7456% | 3,712 |
| Return on assets (ROA) | 0.7469% | 3,954 |
| Pretax return on assets | 1.1271% | 3,245 |
| Return on Equity (ROE) | 7.2393% | 3,675 |
| Retained earnings to average equity (ytd only) | 4.6349% | 3,634 |
| Net charge-offs to loans | -0.0694% | 6,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1423% | 2,961 |
| Assets per employee ($millions) | 4.4469% | 3,001 |
| Cash dividends to net income (ytd only)* | 35.9760% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5741% | 6,892 |
| Loan loss allowance to noncurrent loans | 18.0441% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 3.2828% | 1,554 |
| Noncurrent loans to loans | 3.1818% | 1,734 |
| Net loans and leases to total assets | 58.5430% | 4,036 |
| Net loans and leases to deposits | 72.8213% | 3,472 |
| Net loans and leases to core deposits | 73.8996% | 3,984 |
| Total domestic deposits to total assets | 80.3928% | 5,548 |
| Equity capital to assets | 10.4456% | 3,907 |
| Core capital (leverage) ratio | 10.2296% | 3,257 |
| Tier 1 risk-based capital ratio | 15.3625% | 3,615 |
| Total risk-based capital ratio | 15.8826% | 4,062 |
| Memoranda: | ||
| Average total assets | $267,938,500 | 2,387 |
| Average earning assets | $246,632,750 | 2,381 |
| Average equity | $27,644,750 | 2,445 |
| Average total loans | $161,480,500 | 2,437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7340% | 2,778 |
| Cost of funding earning assets | 0.6595% | 4,369 |
| Net interest margin | 4.0745% | 2,192 |
| Noninterest income to average assets | 0.5966% | 3,277 |
| Noninterest expense to average assets | 3.4037% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7689% | 3,518 |
| Return on assets (ROA) | 0.7713% | 3,781 |
| Pretax return on assets | 0.9609% | 3,846 |
| Return on Equity (ROE) | 7.5069% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.8806% | 3,343 |
| Net charge-offs to loans | -0.0703% | 6,761 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0375% | 2,453 |
| Assets per employee ($millions) | 4.3189% | 3,224 |
| Cash dividends to net income (ytd only)* | 34.9854% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5528% | 6,975 |
| Loan loss allowance to noncurrent loans | 17.8143% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 3.3797% | 1,589 |
| Noncurrent loans to loans | 3.1033% | 1,893 |
| Net loans and leases to total assets | 60.7689% | 3,665 |
| Net loans and leases to deposits | 75.0295% | 3,124 |
| Net loans and leases to core deposits | 76.1606% | 3,755 |
| Total domestic deposits to total assets | 80.9933% | 5,470 |
| Equity capital to assets | 10.5870% | 3,582 |
| Core capital (leverage) ratio | 10.3219% | 3,020 |
| Tier 1 risk-based capital ratio | 15.1101% | 3,696 |
| Total risk-based capital ratio | 15.6119% | 4,161 |
| Memoranda: | ||
| Average total assets | $266,830,670 | 2,398 |
| Average earning assets | $246,555,330 | 2,385 |
| Average equity | $27,414,670 | 2,454 |
| Average total loans | $162,066,670 | 2,438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 3,402 |
| Cost of funding earning assets | 0.6964% | 4,312 |
| Net interest margin | 3.9254% | 2,821 |
| Noninterest income to average assets | 0.6063% | 3,190 |
| Noninterest expense to average assets | 3.3770% | 2,069 |
| Loan and lease loss provision to assets | 0.0879% | 4,271 |
| Net operating income to assets | 0.6356% | 4,194 |
| Return on assets (ROA) | 0.6406% | 4,378 |
| Pretax return on assets | 0.7746% | 4,515 |
| Return on Equity (ROE) | 6.3291% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.6797% | 4,380 |
| Net charge-offs to loans | 0.1476% | 3,212 |
| Credit loss provision to net charge-offs | 98.3333% | 2,402 |
| Earnings coverage of net charge-offs (x) | 9.5833% | 1,831 |
| Efficiency ratio | 79.7678% | 2,228 |
| Assets per employee ($millions) | 4.4068% | 3,178 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5102% | 7,058 |
| Loan loss allowance to noncurrent loans | 45.8150% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.4303% | 2,431 |
| Noncurrent loans to loans | 1.1136% | 4,467 |
| Net loans and leases to total assets | 60.3555% | 3,584 |
| Net loans and leases to deposits | 74.4929% | 3,050 |
| Net loans and leases to core deposits | 76.1037% | 3,605 |
| Total domestic deposits to total assets | 81.0218% | 5,600 |
| Equity capital to assets | 10.1412% | 3,933 |
| Core capital (leverage) ratio | 10.1400% | 3,187 |
| Tier 1 risk-based capital ratio | 11.4275% | 6,325 |
| Total risk-based capital ratio | 11.7880% | 6,712 |
| Memoranda: | ||
| Average total assets | $268,519,000 | 2,399 |
| Average earning assets | $248,130,500 | 2,380 |
| Average equity | $27,176,000 | 2,463 |
| Average total loans | $162,606,000 | 2,444 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 2,670 |
| Cost of funding earning assets | 0.9664% | 3,600 |
| Net interest margin | 4.0807% | 2,524 |
| Noninterest income to average assets | 3.3633% | 184 |
| Noninterest expense to average assets | 2.8651% | 4,109 |
| Loan and lease loss provision to assets | 0.0042% | 6,466 |
| Net operating income to assets | 2.8914% | 95 |
| Return on assets (ROA) | 2.8910% | 96 |
| Pretax return on assets | 4.3302% | 69 |
| Return on Equity (ROE) | 23.3965% | 150 |
| Retained earnings to average equity (ytd only) | 20.3113% | 44 |
| Net charge-offs to loans | -0.0436% | 7,040 |
| Credit loss provision to net charge-offs | -14.8148% | 6,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5277% | 7,228 |
| Assets per employee ($millions) | 4.3971% | 3,069 |
| Cash dividends to net income (ytd only)* | 13.1868% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5138% | 7,096 |
| Loan loss allowance to noncurrent loans | 18.0108% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 3.3755% | 1,755 |
| Noncurrent loans to loans | 2.8525% | 2,290 |
| Net loans and leases to total assets | 60.1374% | 3,968 |
| Net loans and leases to deposits | 74.1057% | 3,485 |
| Net loans and leases to core deposits | 75.7971% | 4,009 |
| Total domestic deposits to total assets | 81.1508% | 5,407 |
| Equity capital to assets | 10.1001% | 4,037 |
| Core capital (leverage) ratio | 12.2338% | 1,472 |
| Tier 1 risk-based capital ratio | 11.8228% | 5,949 |
| Total risk-based capital ratio | 12.1997% | 6,458 |
| Memoranda: | ||
| Average total assets | $188,860,800 | 3,198 |
| Average earning assets | $177,567,000 | 3,122 |
| Average equity | $23,336,800 | 2,745 |
| Average total loans | $123,963,200 | 3,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 1,619 |
| Cost of funding earning assets | 1.0910% | 3,038 |
| Net interest margin | 4.2747% | 1,808 |
| Noninterest income to average assets | 0.5427% | 3,568 |
| Noninterest expense to average assets | 2.8745% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1380% | 1,846 |
| Return on assets (ROA) | 1.1391% | 1,963 |
| Pretax return on assets | 1.7157% | 1,108 |
| Return on Equity (ROE) | 8.5957% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.3812% | 2,924 |
| Net charge-offs to loans | -0.0117% | 6,804 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2372% | 5,679 |
| Assets per employee ($millions) | 4.4992% | 2,917 |
| Cash dividends to net income (ytd only)* | 37.3959% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 6,955 |
| Loan loss allowance to noncurrent loans | 750.9615% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 6,896 |
| Noncurrent loans to loans | 0.0936% | 6,697 |
| Net loans and leases to total assets | 64.5162% | 3,201 |
| Net loans and leases to deposits | 83.2587% | 2,136 |
| Net loans and leases to core deposits | 86.2489% | 2,742 |
| Total domestic deposits to total assets | 77.4888% | 6,302 |
| Equity capital to assets | 13.5926% | 1,332 |
| Core capital (leverage) ratio | 13.0218% | 1,227 |
| Tier 1 risk-based capital ratio | 15.1294% | 3,591 |
| Total risk-based capital ratio | 15.6602% | 4,010 |
| Memoranda: | ||
| Average total assets | $169,020,000 | 3,538 |
| Average earning assets | $159,975,750 | 3,425 |
| Average equity | $22,398,250 | 2,843 |
| Average total loans | $114,420,000 | 3,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 1,541 |
| Cost of funding earning assets | 1.1180% | 3,105 |
| Net interest margin | 4.2892% | 1,707 |
| Noninterest income to average assets | 0.5702% | 3,333 |
| Noninterest expense to average assets | 2.8877% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1424% | 1,748 |
| Return on assets (ROA) | 1.1439% | 1,818 |
| Pretax return on assets | 1.7545% | 954 |
| Return on Equity (ROE) | 8.7078% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.4526% | 2,714 |
| Net charge-offs to loans | -0.0087% | 6,655 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8566% | 5,894 |
| Assets per employee ($millions) | 4.5217% | 2,799 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6707% | 7,054 |
| Loan loss allowance to noncurrent loans | 958.0247% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 6,980 |
| Noncurrent loans to loans | 0.0700% | 6,806 |
| Net loans and leases to total assets | 66.8797% | 2,843 |
| Net loans and leases to deposits | 85.9153% | 1,807 |
| Net loans and leases to core deposits | 89.8546% | 2,389 |
| Total domestic deposits to total assets | 77.8437% | 6,316 |
| Equity capital to assets | 13.1907% | 1,432 |
| Core capital (leverage) ratio | 12.9839% | 1,170 |
| Tier 1 risk-based capital ratio | 14.7565% | 3,645 |
| Total risk-based capital ratio | 15.2790% | 4,127 |
| Memoranda: | ||
| Average total assets | $168,370,670 | 3,567 |
| Average earning assets | $159,748,330 | 3,451 |
| Average equity | $22,118,000 | 2,864 |
| Average total loans | $115,532,330 | 3,329 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4324% | 1,471 |
| Cost of funding earning assets | 1.1569% | 3,107 |
| Net interest margin | 4.2756% | 1,645 |
| Noninterest income to average assets | 0.5497% | 3,514 |
| Noninterest expense to average assets | 3.0676% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9853% | 2,229 |
| Return on assets (ROA) | 1.0129% | 2,195 |
| Pretax return on assets | 1.5794% | 1,234 |
| Return on Equity (ROE) | 7.7273% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.4313% | 3,518 |
| Net charge-offs to loans | -0.0104% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1814% | 5,334 |
| Assets per employee ($millions) | 4.3890% | 3,061 |
| Cash dividends to net income (ytd only)* | 42.6540% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,128 |
| Loan loss allowance to noncurrent loans | 979.7468% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 7,048 |
| Noncurrent loans to loans | 0.0674% | 6,871 |
| Net loans and leases to total assets | 69.8425% | 2,158 |
| Net loans and leases to deposits | 88.3639% | 1,419 |
| Net loans and leases to core deposits | 92.7280% | 2,047 |
| Total domestic deposits to total assets | 79.0396% | 6,178 |
| Equity capital to assets | 13.2269% | 1,291 |
| Core capital (leverage) ratio | 12.8817% | 1,166 |
| Tier 1 risk-based capital ratio | 14.5639% | 3,697 |
| Total risk-based capital ratio | 15.0881% | 4,162 |
| Memoranda: | ||
| Average total assets | $166,643,500 | 3,610 |
| Average earning assets | $158,013,500 | 3,502 |
| Average equity | $21,844,500 | 2,893 |
| Average total loans | $115,452,500 | 3,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6895% | 1,608 |
| Cost of funding earning assets | 1.3023% | 3,867 |
| Net interest margin | 4.3872% | 1,520 |
| Noninterest income to average assets | 0.5313% | 3,944 |
| Noninterest expense to average assets | 2.9030% | 4,210 |
| Loan and lease loss provision to assets | 0.1518% | 5,682 |
| Net operating income to assets | 1.1239% | 1,627 |
| Return on assets (ROA) | 1.1604% | 1,596 |
| Pretax return on assets | 1.6716% | 994 |
| Return on Equity (ROE) | 9.0127% | 2,283 |
| Retained earnings to average equity (ytd only) | 5.6170% | 2,044 |
| Net charge-offs to loans | 0.2273% | 4,923 |
| Credit loss provision to net charge-offs | 94.3396% | 4,927 |
| Earnings coverage of net charge-offs (x) | 11.0038% | 1,647 |
| Efficiency ratio | 59.6856% | 6,092 |
| Assets per employee ($millions) | 4.3817% | 3,067 |
| Cash dividends to net income (ytd only)* | 37.6766% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 7,164 |
| Loan loss allowance to noncurrent loans | 255.2980% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 6,779 |
| Noncurrent loans to loans | 0.2657% | 6,529 |
| Net loans and leases to total assets | 67.7910% | 3,031 |
| Net loans and leases to deposits | 85.4817% | 2,186 |
| Net loans and leases to core deposits | 89.5230% | 2,828 |
| Total domestic deposits to total assets | 79.3046% | 6,007 |
| Equity capital to assets | 12.9899% | 1,392 |
| Core capital (leverage) ratio | 12.5156% | 1,309 |
| Tier 1 risk-based capital ratio | 14.6167% | 3,468 |
| Total risk-based capital ratio | 15.1478% | 3,908 |
| Memoranda: | ||
| Average total assets | $164,689,000 | 3,620 |
| Average earning assets | $155,497,400 | 3,535 |
| Average equity | $21,203,400 | 2,981 |
| Average total loans | $116,560,600 | 3,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7207% | 1,643 |
| Cost of funding earning assets | 1.3277% | 4,052 |
| Net interest margin | 4.3930% | 1,546 |
| Noninterest income to average assets | 0.5447% | 3,830 |
| Noninterest expense to average assets | 2.9494% | 3,923 |
| Loan and lease loss provision to assets | 0.0812% | 6,234 |
| Net operating income to assets | 1.0972% | 1,895 |
| Return on assets (ROA) | 1.1439% | 1,857 |
| Pretax return on assets | 1.7268% | 1,060 |
| Return on Equity (ROE) | 8.9047% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.4920% | 2,653 |
| Net charge-offs to loans | 0.1614% | 5,030 |
| Credit loss provision to net charge-offs | 70.4225% | 5,409 |
| Earnings coverage of net charge-offs (x) | 15.0703% | 1,466 |
| Efficiency ratio | 60.5058% | 5,871 |
| Assets per employee ($millions) | 4.4226% | 3,040 |
| Cash dividends to net income (ytd only)* | 38.3249% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 7,308 |
| Loan loss allowance to noncurrent loans | 178.8462% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 6,482 |
| Noncurrent loans to loans | 0.3541% | 6,489 |
| Net loans and leases to total assets | 69.4667% | 2,861 |
| Net loans and leases to deposits | 88.7167% | 1,902 |
| Net loans and leases to core deposits | 92.9262% | 2,671 |
| Total domestic deposits to total assets | 78.3017% | 6,201 |
| Equity capital to assets | 12.9764% | 1,587 |
| Core capital (leverage) ratio | 12.2446% | 1,536 |
| Tier 1 risk-based capital ratio | 14.1705% | 3,712 |
| Total risk-based capital ratio | 14.6761% | 4,209 |
| Memoranda: | ||
| Average total assets | $164,234,750 | 3,677 |
| Average earning assets | $154,850,250 | 3,602 |
| Average equity | $21,097,000 | 3,036 |
| Average total loans | $117,289,000 | 3,416 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 1,717 |
| Cost of funding earning assets | 1.3622% | 4,103 |
| Net interest margin | 4.3501% | 1,588 |
| Noninterest income to average assets | 0.5817% | 3,470 |
| Noninterest expense to average assets | 2.8326% | 4,350 |
| Loan and lease loss provision to assets | 0.0920% | 5,996 |
| Net operating income to assets | 1.1654% | 1,657 |
| Return on assets (ROA) | 1.2359% | 1,525 |
| Pretax return on assets | 1.8753% | 770 |
| Return on Equity (ROE) | 9.6548% | 2,229 |
| Retained earnings to average equity (ytd only) | 6.2033% | 2,226 |
| Net charge-offs to loans | 0.0136% | 6,152 |
| Credit loss provision to net charge-offs | 937.5000% | 391 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 177 |
| Efficiency ratio | 57.8975% | 6,392 |
| Assets per employee ($millions) | 4.4700% | 2,923 |
| Cash dividends to net income (ytd only)* | 35.7498% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 7,176 |
| Loan loss allowance to noncurrent loans | 546.7949% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,869 |
| Noncurrent loans to loans | 0.1343% | 6,997 |
| Net loans and leases to total assets | 67.8575% | 3,400 |
| Net loans and leases to deposits | 85.3104% | 2,635 |
| Net loans and leases to core deposits | 88.6863% | 3,456 |
| Total domestic deposits to total assets | 79.5419% | 5,878 |
| Equity capital to assets | 12.5304% | 1,779 |
| Core capital (leverage) ratio | 12.1823% | 1,553 |
| Tier 1 risk-based capital ratio | 14.3256% | 3,527 |
| Total risk-based capital ratio | 14.9193% | 3,920 |
| Memoranda: | ||
| Average total assets | $162,960,000 | 3,723 |
| Average earning assets | $154,018,330 | 3,635 |
| Average equity | $20,860,000 | 3,054 |
| Average total loans | $117,222,330 | 3,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 1,522 |
| Cost of funding earning assets | 1.4180% | 4,060 |
| Net interest margin | 4.3628% | 1,498 |
| Noninterest income to average assets | 0.5768% | 3,442 |
| Noninterest expense to average assets | 2.9390% | 3,913 |
| Loan and lease loss provision to assets | 0.0627% | 6,016 |
| Net operating income to assets | 1.0741% | 1,917 |
| Return on assets (ROA) | 1.2137% | 1,576 |
| Pretax return on assets | 1.9134% | 717 |
| Return on Equity (ROE) | 9.3762% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.8892% | 2,671 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0641% | 6,160 |
| Assets per employee ($millions) | 4.2543% | 3,371 |
| Cash dividends to net income (ytd only)* | 37.1901% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 7,359 |
| Loan loss allowance to noncurrent loans | 219.1892% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 6,885 |
| Noncurrent loans to loans | 0.3138% | 6,682 |
| Net loans and leases to total assets | 72.4456% | 2,345 |
| Net loans and leases to deposits | 92.0840% | 1,600 |
| Net loans and leases to core deposits | 95.3644% | 2,657 |
| Total domestic deposits to total assets | 78.6734% | 6,161 |
| Equity capital to assets | 12.8509% | 1,580 |
| Core capital (leverage) ratio | 12.6833% | 1,334 |
| Tier 1 risk-based capital ratio | 14.1397% | 3,573 |
| Total risk-based capital ratio | 14.7076% | 3,979 |
| Memoranda: | ||
| Average total assets | $159,510,500 | 3,855 |
| Average earning assets | $150,637,000 | 3,745 |
| Average equity | $20,648,000 | 3,110 |
| Average total loans | $117,776,000 | 3,503 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0342% | 1,728 |
| Cost of funding earning assets | 1.5721% | 5,172 |
| Net interest margin | 4.4621% | 1,265 |
| Noninterest income to average assets | 0.6020% | 3,620 |
| Noninterest expense to average assets | 3.2057% | 3,362 |
| Loan and lease loss provision to assets | 0.1377% | 6,267 |
| Net operating income to assets | 0.9963% | 1,857 |
| Return on assets (ROA) | 0.9885% | 1,928 |
| Pretax return on assets | 1.4369% | 1,343 |
| Return on Equity (ROE) | 7.3785% | 2,628 |
| Retained earnings to average equity (ytd only) | 3.8035% | 2,539 |
| Net charge-offs to loans | 0.0553% | 6,549 |
| Credit loss provision to net charge-offs | 345.0000% | 942 |
| Earnings coverage of net charge-offs (x) | 39.7333% | 604 |
| Efficiency ratio | 64.3065% | 5,716 |
| Assets per employee ($millions) | 4.1410% | 3,540 |
| Cash dividends to net income (ytd only)* | 48.4522% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6682% | 7,439 |
| Loan loss allowance to noncurrent loans | 251.9231% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 6,967 |
| Noncurrent loans to loans | 0.2653% | 6,763 |
| Net loans and leases to total assets | 74.2493% | 2,217 |
| Net loans and leases to deposits | 95.3624% | 1,407 |
| Net loans and leases to core deposits | 106.7335% | 3,246 |
| Total domestic deposits to total assets | 77.8602% | 6,253 |
| Equity capital to assets | 13.0409% | 1,495 |
| Core capital (leverage) ratio | 12.7952% | 1,310 |
| Tier 1 risk-based capital ratio | 13.7104% | 3,677 |
| Total risk-based capital ratio | 14.2535% | 4,087 |
| Memoranda: | ||
| Average total assets | $150,327,000 | 3,953 |
| Average earning assets | $141,145,400 | 3,874 |
| Average equity | $20,139,600 | 3,173 |
| Average total loans | $108,515,000 | 3,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0423% | 1,873 |
| Cost of funding earning assets | 1.6049% | 5,377 |
| Net interest margin | 4.4374% | 1,346 |
| Noninterest income to average assets | 0.6085% | 3,626 |
| Noninterest expense to average assets | 3.0324% | 3,918 |
| Loan and lease loss provision to assets | 0.0960% | 6,405 |
| Net operating income to assets | 1.2129% | 1,433 |
| Return on assets (ROA) | 1.2017% | 1,520 |
| Pretax return on assets | 1.6234% | 1,129 |
| Return on Equity (ROE) | 8.9067% | 2,303 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,307 |
| Net charge-offs to loans | 0.0113% | 6,779 |
| Credit loss provision to net charge-offs | 1,188.8889% | 318 |
| Earnings coverage of net charge-offs (x) | 214.7725% | 178 |
| Efficiency ratio | 60.9752% | 6,283 |
| Assets per employee ($millions) | 4.0054% | 3,724 |
| Cash dividends to net income (ytd only)* | 40.3285% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 7,491 |
| Loan loss allowance to noncurrent loans | 212.3919% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,949 |
| Noncurrent loans to loans | 0.3051% | 6,756 |
| Net loans and leases to total assets | 74.2482% | 2,456 |
| Net loans and leases to deposits | 96.3682% | 1,527 |
| Net loans and leases to core deposits | 106.8712% | 3,606 |
| Total domestic deposits to total assets | 77.0464% | 6,326 |
| Equity capital to assets | 13.6052% | 1,451 |
| Core capital (leverage) ratio | 13.2325% | 1,314 |
| Tier 1 risk-based capital ratio | 14.0284% | 3,536 |
| Total risk-based capital ratio | 14.5498% | 3,935 |
| Memoranda: | ||
| Average total assets | $148,569,000 | 3,998 |
| Average earning assets | $139,236,250 | 3,945 |
| Average equity | $20,044,250 | 3,223 |
| Average total loans | $106,237,750 | 3,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0591% | 1,948 |
| Cost of funding earning assets | 1.6451% | 5,534 |
| Net interest margin | 4.4140% | 1,381 |
| Noninterest income to average assets | 0.6026% | 3,670 |
| Noninterest expense to average assets | 3.0362% | 3,942 |
| Loan and lease loss provision to assets | 0.0774% | 6,417 |
| Net operating income to assets | 1.1538% | 1,599 |
| Return on assets (ROA) | 1.1374% | 1,723 |
| Pretax return on assets | 1.5921% | 1,224 |
| Return on Equity (ROE) | 8.4548% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.8227% | 2,621 |
| Net charge-offs to loans | 0.0251% | 6,133 |
| Credit loss provision to net charge-offs | 438.4615% | 1,059 |
| Earnings coverage of net charge-offs (x) | 95.9231% | 396 |
| Efficiency ratio | 61.5098% | 6,313 |
| Assets per employee ($millions) | 3.8478% | 3,984 |
| Cash dividends to net income (ytd only)* | 42.9594% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6369% | 7,567 |
| Loan loss allowance to noncurrent loans | 199.1254% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 6,912 |
| Noncurrent loans to loans | 0.3198% | 6,712 |
| Net loans and leases to total assets | 72.8747% | 2,985 |
| Net loans and leases to deposits | 93.9159% | 2,105 |
| Net loans and leases to core deposits | 103.5127% | 4,122 |
| Total domestic deposits to total assets | 77.5958% | 6,181 |
| Equity capital to assets | 13.7480% | 1,405 |
| Core capital (leverage) ratio | 13.2477% | 1,349 |
| Tier 1 risk-based capital ratio | 14.3716% | 3,318 |
| Total risk-based capital ratio | 14.8760% | 3,665 |
| Memoranda: | ||
| Average total assets | $147,356,330 | 4,044 |
| Average earning assets | $137,743,000 | 3,993 |
| Average equity | $19,823,000 | 3,271 |
| Average total loans | $103,734,330 | 3,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 2,004 |
| Cost of funding earning assets | 1.6542% | 5,798 |
| Net interest margin | 4.4287% | 1,276 |
| Noninterest income to average assets | 0.6328% | 3,329 |
| Noninterest expense to average assets | 3.0691% | 3,493 |
| Loan and lease loss provision to assets | 0.0865% | 5,851 |
| Net operating income to assets | 1.1368% | 1,843 |
| Return on assets (ROA) | 1.2520% | 1,604 |
| Pretax return on assets | 1.7658% | 1,047 |
| Return on Equity (ROE) | 9.4089% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.7510% | 2,753 |
| Net charge-offs to loans | -0.0078% | 7,246 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8182% | 6,091 |
| Assets per employee ($millions) | 3.7958% | 4,106 |
| Cash dividends to net income (ytd only)* | 38.8769% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6542% | 7,563 |
| Loan loss allowance to noncurrent loans | 513.7405% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 7,317 |
| Noncurrent loans to loans | 0.1273% | 7,156 |
| Net loans and leases to total assets | 70.8602% | 3,502 |
| Net loans and leases to deposits | 90.7862% | 2,812 |
| Net loans and leases to core deposits | 99.9413% | 4,545 |
| Total domestic deposits to total assets | 78.0517% | 5,997 |
| Equity capital to assets | 13.7737% | 1,429 |
| Core capital (leverage) ratio | 13.2008% | 1,417 |
| Tier 1 risk-based capital ratio | 14.5722% | 3,276 |
| Total risk-based capital ratio | 15.0826% | 3,602 |
| Memoranda: | ||
| Average total assets | $147,925,500 | 4,046 |
| Average earning assets | $137,827,000 | 4,001 |
| Average equity | $19,683,500 | 3,305 |
| Average total loans | $101,982,000 | 3,981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4859% | 3,028 |
| Cost of funding earning assets | 2.2142% | 5,537 |
| Net interest margin | 4.2717% | 2,066 |
| Noninterest income to average assets | 0.6616% | 3,396 |
| Noninterest expense to average assets | 3.1952% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0036% | 2,543 |
| Return on assets (ROA) | 1.0056% | 2,420 |
| Pretax return on assets | 1.4319% | 1,864 |
| Return on Equity (ROE) | 7.6655% | 3,213 |
| Retained earnings to average equity (ytd only) | 4.5001% | 2,327 |
| Net charge-offs to loans | 0.0239% | 6,512 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 86.0417% | 491 |
| Efficiency ratio | 66.2975% | 5,062 |
| Assets per employee ($millions) | 3.9898% | 3,537 |
| Cash dividends to net income (ytd only)* | 41.2939% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 7,604 |
| Loan loss allowance to noncurrent loans | 484.0909% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 7,231 |
| Noncurrent loans to loans | 0.1306% | 7,026 |
| Net loans and leases to total assets | 66.2507% | 4,795 |
| Net loans and leases to deposits | 86.2047% | 4,089 |
| Net loans and leases to core deposits | 94.6888% | 5,388 |
| Total domestic deposits to total assets | 76.8528% | 6,027 |
| Equity capital to assets | 12.8618% | 1,844 |
| Core capital (leverage) ratio | 12.9447% | 1,560 |
| Tier 1 risk-based capital ratio | 14.2715% | 3,410 |
| Total risk-based capital ratio | 14.7543% | 3,715 |
| Memoranda: | ||
| Average total assets | $144,497,400 | 4,000 |
| Average earning assets | $134,045,400 | 3,972 |
| Average equity | $18,955,000 | 3,405 |
| Average total loans | $100,217,000 | 3,942 |