Home > Iowa Falls State Bank > Performance and Condition Ratios
Iowa Falls State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 1,318 |
| Cost of funding earning assets | 1.5289% | 1,869 |
| Net interest margin | 3.8688% | 1,444 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.7567% | 1,611 |
| Loan and lease loss provision to assets | 0.5700% | 146 |
| Net operating income to assets | 0.3557% | 3,947 |
| Return on assets (ROA) | 0.3073% | 4,012 |
| Pretax return on assets | 0.3871% | 3,981 |
| Return on Equity (ROE) | 2.2800% | 4,123 |
| Retained earnings to average equity (ytd only) | 2.2827% | 3,507 |
| Net charge-offs to loans | 0.0339% | 1,625 |
| Credit loss provision to net charge-offs | 3,808.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 67.9600% | 1,113 |
| Efficiency ratio | 50.4450% | 3,951 |
| Assets per employee ($millions) | 5.7878% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 2,908 |
| Loan loss allowance to noncurrent loans | 169.4698% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 1,686 |
| Noncurrent loans to loans | 0.6410% | 1,227 |
| Net loans and leases to total assets | 48.6100% | 3,691 |
| Net loans and leases to deposits | 61.1456% | 3,462 |
| Net loans and leases to core deposits | 66.7621% | 3,458 |
| Total domestic deposits to total assets | 79.5000% | 3,540 |
| Equity capital to assets | 16.4864% | 422 |
| Core capital (leverage) ratio | 7.9109% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6333% | 2,864 |
| Memoranda: | ||
| Average total assets | $166,613,800 | 3,216 |
| Average earning assets | $145,860,400 | 3,288 |
| Average equity | $22,429,400 | 2,657 |
| Average total loans | $73,713,600 | 3,497 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 2,132 |
| Cost of funding earning assets | 1.2675% | 2,230 |
| Net interest margin | 3.5998% | 2,010 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.5136% | 2,192 |
| Loan and lease loss provision to assets | 0.6800% | 106 |
| Net operating income to assets | 0.2216% | 4,208 |
| Return on assets (ROA) | 0.1577% | 4,289 |
| Pretax return on assets | 0.2176% | 4,238 |
| Return on Equity (ROE) | 1.2500% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.2452% | 3,896 |
| Net charge-offs to loans | 0.0188% | 1,752 |
| Credit loss provision to net charge-offs | 8,420.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 121.1000% | 834 |
| Efficiency ratio | 49.5022% | 3,950 |
| Assets per employee ($millions) | 5.7845% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 2,849 |
| Loan loss allowance to noncurrent loans | 152.1024% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,677 |
| Noncurrent loans to loans | 0.7256% | 1,145 |
| Net loans and leases to total assets | 46.0300% | 3,831 |
| Net loans and leases to deposits | 56.7597% | 3,671 |
| Net loans and leases to core deposits | 61.4795% | 3,633 |
| Total domestic deposits to total assets | 81.1000% | 3,366 |
| Equity capital to assets | 15.7163% | 472 |
| Core capital (leverage) ratio | 7.9614% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1845% | 2,901 |
| Memoranda: | ||
| Average total assets | $164,858,750 | 3,238 |
| Average earning assets | $144,635,250 | 3,307 |
| Average equity | $20,880,250 | 2,777 |
| Average total loans | $70,808,750 | 3,543 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 3,995 |
| Cost of funding earning assets | 0.9398% | 2,802 |
| Net interest margin | 2.8791% | 3,683 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9622% | 3,681 |
| Loan and lease loss provision to assets | 0.9600% | 72 |
| Net operating income to assets | -0.1437% | 4,525 |
| Return on assets (ROA) | -0.2239% | 4,524 |
| Pretax return on assets | -0.2023% | 4,515 |
| Return on Equity (ROE) | -1.8000% | 4,492 |
| Retained earnings to average equity (ytd only) | -1.8048% | 4,278 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.8243% | 4,008 |
| Assets per employee ($millions) | 5.6118% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,509 |
| Loan loss allowance to noncurrent loans | 58.3697% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 595 |
| Noncurrent loans to loans | 2.0318% | 272 |
| Net loans and leases to total assets | 41.0600% | 4,002 |
| Net loans and leases to deposits | 49.9596% | 3,917 |
| Net loans and leases to core deposits | 53.8096% | 3,900 |
| Total domestic deposits to total assets | 82.1900% | 3,194 |
| Equity capital to assets | 15.5049% | 478 |
| Core capital (leverage) ratio | 6.1672% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4249% | 2,935 |
| Memoranda: | ||
| Average total assets | $167,056,667 | 3,233 |
| Average earning assets | $147,266,667 | 3,304 |
| Average equity | $20,722,667 | 2,799 |
| Average total loans | $70,443,000 | 3,556 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6636% | 4,670 |
| Cost of funding earning assets | 0.1431% | 4,472 |
| Net interest margin | 0.5205% | 4,667 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 0.4657% | 4,665 |
| Loan and lease loss provision to assets | 1.9000% | 35 |
| Net operating income to assets | -1.8722% | 4,644 |
| Return on assets (ROA) | -1.8722% | 4,639 |
| Pretax return on assets | -1.8580% | 4,636 |
| Return on Equity (ROE) | -17.1500% | 4,627 |
| Retained earnings to average equity (ytd only) | -17.1545% | 4,571 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.4883% | 294 |
| Assets per employee ($millions) | 6.4307% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,826 |
| Loan loss allowance to noncurrent loans | 162.6775% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 1,819 |
| Noncurrent loans to loans | 0.7060% | 1,078 |
| Net loans and leases to total assets | 37.0100% | 4,154 |
| Net loans and leases to deposits | 43.1263% | 4,125 |
| Net loans and leases to core deposits | 45.2106% | 4,137 |
| Total domestic deposits to total assets | 85.8200% | 2,647 |
| Equity capital to assets | 13.9724% | 602 |
| Core capital (leverage) ratio | 7.0913% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0154% | 3,013 |
| Memoranda: | ||
| Average total assets | $169,214,000 | 3,266 |
| Average earning assets | $153,699,000 | 3,283 |
| Average equity | $18,467,500 | 3,019 |
| Average total loans | $71,851,500 | 3,576 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 1,647 |
| Cost of funding earning assets | 0.5263% | 1,229 |
| Net interest margin | 3.5004% | 1,933 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.6683% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1367% | 2,026 |
| Return on assets (ROA) | 1.1120% | 2,053 |
| Pretax return on assets | 1.1621% | 2,557 |
| Return on Equity (ROE) | 13.3000% | 1,708 |
| Retained earnings to average equity (ytd only) | 8.5713% | 1,618 |
| Net charge-offs to loans | -0.2162% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.1966% | 1,797 |
| Assets per employee ($millions) | 4.6042% | 3,966 |
| Cash dividends to net income (ytd only)* | 35.5661% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 649 |
| Loan loss allowance to noncurrent loans | 288.9610% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 1,638 |
| Noncurrent loans to loans | 0.6254% | 1,184 |
| Net loans and leases to total assets | 47.7400% | 3,687 |
| Net loans and leases to deposits | 54.3097% | 3,666 |
| Net loans and leases to core deposits | 56.4059% | 3,704 |
| Total domestic deposits to total assets | 87.9100% | 2,100 |
| Equity capital to assets | 7.1595% | 3,576 |
| Core capital (leverage) ratio | 11.2335% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $151,705,000 | 3,423 |
| Average earning assets | $145,726,000 | 3,366 |
| Average equity | $12,681,800 | 3,601 |
| Average total loans | $73,544,200 | 3,512 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 1,375 |
| Cost of funding earning assets | 0.4249% | 1,121 |
| Net interest margin | 3.5192% | 1,613 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.6464% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1456% | 1,909 |
| Return on assets (ROA) | 1.1456% | 1,883 |
| Pretax return on assets | 1.1975% | 2,377 |
| Return on Equity (ROE) | 13.2300% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.6601% | 1,769 |
| Net charge-offs to loans | -0.2940% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.8472% | 1,906 |
| Assets per employee ($millions) | 4.7113% | 3,901 |
| Cash dividends to net income (ytd only)* | 34.5357% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 685 |
| Loan loss allowance to noncurrent loans | 317.0616% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 1,835 |
| Noncurrent loans to loans | 0.5793% | 1,384 |
| Net loans and leases to total assets | 47.4300% | 3,675 |
| Net loans and leases to deposits | 53.0795% | 3,661 |
| Net loans and leases to core deposits | 54.9388% | 3,690 |
| Total domestic deposits to total assets | 89.3600% | 1,935 |
| Equity capital to assets | 6.6489% | 3,679 |
| Core capital (leverage) ratio | 10.8138% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $151,646,500 | 3,454 |
| Average earning assets | $145,596,250 | 3,392 |
| Average equity | $13,132,750 | 3,598 |
| Average total loans | $73,461,000 | 3,529 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 1,229 |
| Cost of funding earning assets | 0.3529% | 1,233 |
| Net interest margin | 3.4834% | 1,361 |
| Noninterest income to average assets | 0.4712% | 2,347 |
| Noninterest expense to average assets | 2.6813% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0807% | 1,855 |
| Return on assets (ROA) | 1.0807% | 1,832 |
| Pretax return on assets | 1.1294% | 2,309 |
| Return on Equity (ROE) | 11.5887% | 1,799 |
| Retained earnings to average equity (ytd only) | 7.3541% | 1,865 |
| Net charge-offs to loans | -0.4480% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3627% | 1,906 |
| Assets per employee ($millions) | 4.6509% | 3,971 |
| Cash dividends to net income (ytd only)* | 36.5408% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 767 |
| Loan loss allowance to noncurrent loans | 292.7948% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 1,813 |
| Noncurrent loans to loans | 0.6261% | 1,354 |
| Net loans and leases to total assets | 46.7846% | 3,656 |
| Net loans and leases to deposits | 52.0368% | 3,681 |
| Net loans and leases to core deposits | 53.6864% | 3,712 |
| Total domestic deposits to total assets | 89.9068% | 1,747 |
| Equity capital to assets | 7.5241% | 3,458 |
| Core capital (leverage) ratio | 10.6290% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,941,667 | 3,479 |
| Average earning assets | $145,661,333 | 3,440 |
| Average equity | $14,169,000 | 3,569 |
| Average total loans | $73,667,000 | 3,556 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 1,150 |
| Cost of funding earning assets | 0.3403% | 1,284 |
| Net interest margin | 3.4256% | 1,244 |
| Noninterest income to average assets | 0.4630% | 2,341 |
| Noninterest expense to average assets | 2.7227% | 1,310 |
| Loan and lease loss provision to assets | 0.0794% | 1,037 |
| Net operating income to assets | 0.8970% | 2,279 |
| Return on assets (ROA) | 0.8970% | 2,280 |
| Pretax return on assets | 0.9367% | 2,646 |
| Return on Equity (ROE) | 8.7600% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.7600% | 1,343 |
| Net charge-offs to loans | -1.0821% | 4,742 |
| Credit loss provision to net charge-offs | -15.0000% | 2,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8238% | 1,874 |
| Assets per employee ($millions) | 4.4759% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 678 |
| Loan loss allowance to noncurrent loans | 288.1148% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 1,833 |
| Noncurrent loans to loans | 0.6766% | 1,404 |
| Net loans and leases to total assets | 46.4680% | 3,536 |
| Net loans and leases to deposits | 51.3644% | 3,618 |
| Net loans and leases to core deposits | 52.9799% | 3,665 |
| Total domestic deposits to total assets | 90.4673% | 1,316 |
| Equity capital to assets | 9.3973% | 2,365 |
| Core capital (leverage) ratio | 10.5581% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,172,500 | 3,501 |
| Average earning assets | $144,558,500 | 3,469 |
| Average equity | $15,479,500 | 3,519 |
| Average total loans | $73,927,500 | 3,559 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 993 |
| Cost of funding earning assets | 0.3926% | 1,599 |
| Net interest margin | 3.8078% | 990 |
| Noninterest income to average assets | 0.4884% | 2,635 |
| Noninterest expense to average assets | 2.5205% | 2,121 |
| Loan and lease loss provision to assets | 0.1580% | 754 |
| Net operating income to assets | 1.3853% | 1,330 |
| Return on assets (ROA) | 1.4548% | 1,197 |
| Pretax return on assets | 1.5213% | 1,648 |
| Return on Equity (ROE) | 12.3061% | 1,712 |
| Retained earnings to average equity (ytd only) | -2.1717% | 4,633 |
| Net charge-offs to loans | 0.0853% | 953 |
| Credit loss provision to net charge-offs | 363.6364% | 962 |
| Earnings coverage of net charge-offs (x) | 36.9848% | 1,479 |
| Efficiency ratio | 61.0686% | 2,987 |
| Assets per employee ($millions) | 4.5504% | 4,077 |
| Cash dividends to net income (ytd only)* | 117.6471% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,382 |
| Loan loss allowance to noncurrent loans | 214.5985% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 1,172 |
| Noncurrent loans to loans | 0.7236% | 1,404 |
| Net loans and leases to total assets | 49.6507% | 3,329 |
| Net loans and leases to deposits | 56.0524% | 3,408 |
| Net loans and leases to core deposits | 57.8773% | 3,483 |
| Total domestic deposits to total assets | 88.5791% | 1,747 |
| Equity capital to assets | 11.0933% | 1,743 |
| Core capital (leverage) ratio | 10.4333% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,912,200 | 3,466 |
| Average earning assets | $145,175,000 | 3,423 |
| Average equity | $17,958,600 | 3,389 |
| Average total loans | $77,405,000 | 3,518 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 920 |
| Cost of funding earning assets | 0.4046% | 1,667 |
| Net interest margin | 3.9193% | 903 |
| Noninterest income to average assets | 0.4577% | 2,806 |
| Noninterest expense to average assets | 2.4364% | 2,320 |
| Loan and lease loss provision to assets | 0.1575% | 700 |
| Net operating income to assets | 1.5485% | 1,149 |
| Return on assets (ROA) | 1.6409% | 979 |
| Pretax return on assets | 1.7153% | 1,373 |
| Return on Equity (ROE) | 13.6730% | 1,489 |
| Retained earnings to average equity (ytd only) | 10.3915% | 1,199 |
| Net charge-offs to loans | 0.0600% | 1,041 |
| Credit loss provision to net charge-offs | 514.2857% | 748 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,151 |
| Efficiency ratio | 57.8313% | 3,291 |
| Assets per employee ($millions) | 4.6376% | 4,018 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,618 |
| Loan loss allowance to noncurrent loans | 123.4661% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 1,257 |
| Noncurrent loans to loans | 1.2177% | 912 |
| Net loans and leases to total assets | 49.1016% | 3,514 |
| Net loans and leases to deposits | 56.3216% | 3,552 |
| Net loans and leases to core deposits | 58.2920% | 3,602 |
| Total domestic deposits to total assets | 87.1806% | 2,276 |
| Equity capital to assets | 12.5247% | 1,163 |
| Core capital (leverage) ratio | 11.3546% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,349,500 | 3,499 |
| Average earning assets | $145,973,000 | 3,449 |
| Average equity | $18,283,750 | 3,404 |
| Average total loans | $77,823,000 | 3,562 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 633 |
| Cost of funding earning assets | 0.4273% | 1,678 |
| Net interest margin | 4.1673% | 617 |
| Noninterest income to average assets | 0.4391% | 2,909 |
| Noninterest expense to average assets | 2.4231% | 2,385 |
| Loan and lease loss provision to assets | 0.1578% | 735 |
| Net operating income to assets | 1.7789% | 748 |
| Return on assets (ROA) | 1.7789% | 785 |
| Pretax return on assets | 1.8591% | 1,100 |
| Return on Equity (ROE) | 15.0425% | 1,146 |
| Retained earnings to average equity (ytd only) | 11.7072% | 976 |
| Net charge-offs to loans | -0.0204% | 4,003 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5751% | 3,731 |
| Assets per employee ($millions) | 4.6724% | 3,952 |
| Cash dividends to net income (ytd only)* | 22.1729% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,757 |
| Loan loss allowance to noncurrent loans | 98.0903% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 1,099 |
| Noncurrent loans to loans | 1.4809% | 769 |
| Net loans and leases to total assets | 49.7195% | 3,579 |
| Net loans and leases to deposits | 56.7694% | 3,657 |
| Net loans and leases to core deposits | 58.8494% | 3,698 |
| Total domestic deposits to total assets | 87.5815% | 2,050 |
| Equity capital to assets | 12.1215% | 1,309 |
| Core capital (leverage) ratio | 11.0844% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,118,667 | 3,514 |
| Average earning assets | $146,040,333 | 3,458 |
| Average equity | $17,989,000 | 3,427 |
| Average total loans | $78,333,000 | 3,574 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 663 |
| Cost of funding earning assets | 0.4538% | 1,690 |
| Net interest margin | 4.1451% | 670 |
| Noninterest income to average assets | 0.4607% | 2,785 |
| Noninterest expense to average assets | 2.3775% | 2,570 |
| Loan and lease loss provision to assets | 0.1589% | 803 |
| Net operating income to assets | 1.8083% | 777 |
| Return on assets (ROA) | 1.8083% | 830 |
| Pretax return on assets | 1.8903% | 1,135 |
| Return on Equity (ROE) | 15.4888% | 1,113 |
| Retained earnings to average equity (ytd only) | 12.0872% | 1,120 |
| Net charge-offs to loans | -0.0356% | 4,251 |
| Credit loss provision to net charge-offs | -857.1429% | 3,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7081% | 3,818 |
| Assets per employee ($millions) | 4.8925% | 3,763 |
| Cash dividends to net income (ytd only)* | 21.9619% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 2,202 |
| Loan loss allowance to noncurrent loans | 101.0397% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 1,389 |
| Noncurrent loans to loans | 1.3350% | 970 |
| Net loans and leases to total assets | 49.9352% | 3,630 |
| Net loans and leases to deposits | 56.4681% | 3,761 |
| Net loans and leases to core deposits | 59.0409% | 3,767 |
| Total domestic deposits to total assets | 88.4307% | 1,644 |
| Equity capital to assets | 11.3208% | 1,644 |
| Core capital (leverage) ratio | 11.0201% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,083,500 | 3,516 |
| Average earning assets | $144,556,500 | 3,468 |
| Average equity | $17,638,500 | 3,457 |
| Average total loans | $78,603,500 | 3,587 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 2,004 |
| Cost of funding earning assets | 0.6349% | 2,088 |
| Net interest margin | 3.6119% | 2,102 |
| Noninterest income to average assets | 0.5336% | 2,494 |
| Noninterest expense to average assets | 2.4611% | 2,955 |
| Loan and lease loss provision to assets | 0.8343% | 141 |
| Net operating income to assets | 0.6574% | 3,569 |
| Return on assets (ROA) | 0.7271% | 3,467 |
| Pretax return on assets | 0.7602% | 3,738 |
| Return on Equity (ROE) | 6.1693% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.5080% | 3,599 |
| Net charge-offs to loans | 1.2284% | 95 |
| Credit loss provision to net charge-offs | 109.5373% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.9981% | 3,211 |
| Efficiency ratio | 61.7913% | 3,175 |
| Assets per employee ($millions) | 4.2825% | 4,138 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,487 |
| Loan loss allowance to noncurrent loans | 112.0805% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 1,719 |
| Noncurrent loans to loans | 1.1468% | 1,239 |
| Net loans and leases to total assets | 52.8529% | 3,589 |
| Net loans and leases to deposits | 60.2894% | 3,733 |
| Net loans and leases to core deposits | 63.4320% | 3,736 |
| Total domestic deposits to total assets | 87.6653% | 1,626 |
| Equity capital to assets | 12.0551% | 1,541 |
| Core capital (leverage) ratio | 11.3504% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,043,000 | 3,526 |
| Average earning assets | $132,782,200 | 3,475 |
| Average equity | $16,387,600 | 3,513 |
| Average total loans | $86,208,600 | 3,465 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 1,918 |
| Cost of funding earning assets | 0.6758% | 2,165 |
| Net interest margin | 3.6961% | 1,960 |
| Noninterest income to average assets | 0.5366% | 2,440 |
| Noninterest expense to average assets | 2.5026% | 2,836 |
| Loan and lease loss provision to assets | 0.9257% | 166 |
| Net operating income to assets | 0.6094% | 3,731 |
| Return on assets (ROA) | 0.7035% | 3,549 |
| Pretax return on assets | 0.7355% | 3,808 |
| Return on Equity (ROE) | 6.0054% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.2779% | 3,832 |
| Net charge-offs to loans | 1.1177% | 120 |
| Credit loss provision to net charge-offs | 128.9189% | 2,447 |
| Earnings coverage of net charge-offs (x) | 2.1770% | 3,010 |
| Efficiency ratio | 61.5513% | 3,145 |
| Assets per employee ($millions) | 4.2169% | 4,130 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 1,792 |
| Loan loss allowance to noncurrent loans | 30.9378% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.5898% | 198 |
| Noncurrent loans to loans | 4.4820% | 132 |
| Net loans and leases to total assets | 56.9823% | 3,527 |
| Net loans and leases to deposits | 65.1024% | 3,691 |
| Net loans and leases to core deposits | 68.2844% | 3,745 |
| Total domestic deposits to total assets | 87.5272% | 1,430 |
| Equity capital to assets | 12.1846% | 1,581 |
| Core capital (leverage) ratio | 11.4719% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,402,250 | 3,537 |
| Average earning assets | $131,197,750 | 3,484 |
| Average equity | $16,096,250 | 3,539 |
| Average total loans | $88,271,000 | 3,448 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,643 |
| Cost of funding earning assets | 0.7344% | 2,208 |
| Net interest margin | 3.8693% | 1,647 |
| Noninterest income to average assets | 0.5365% | 2,410 |
| Noninterest expense to average assets | 2.4968% | 2,968 |
| Loan and lease loss provision to assets | 1.2703% | 126 |
| Net operating income to assets | 0.4459% | 4,136 |
| Return on assets (ROA) | 0.5876% | 3,863 |
| Pretax return on assets | 0.6140% | 4,033 |
| Return on Equity (ROE) | 5.0855% | 3,810 |
| Retained earnings to average equity (ytd only) | 1.2903% | 4,012 |
| Net charge-offs to loans | 1.6327% | 83 |
| Credit loss provision to net charge-offs | 117.1159% | 2,303 |
| Earnings coverage of net charge-offs (x) | 1.6011% | 2,842 |
| Efficiency ratio | 58.9779% | 3,558 |
| Assets per employee ($millions) | 4.2572% | 4,047 |
| Cash dividends to net income (ytd only)* | 74.6269% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 2,765 |
| Loan loss allowance to noncurrent loans | 35.2901% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.0735% | 328 |
| Noncurrent loans to loans | 3.2675% | 266 |
| Net loans and leases to total assets | 62.7272% | 3,046 |
| Net loans and leases to deposits | 71.2796% | 3,322 |
| Net loans and leases to core deposits | 74.7033% | 3,399 |
| Total domestic deposits to total assets | 88.0017% | 1,184 |
| Equity capital to assets | 11.6944% | 1,836 |
| Core capital (leverage) ratio | 11.6022% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,816,667 | 3,520 |
| Average earning assets | $130,721,667 | 3,464 |
| Average equity | $15,809,667 | 3,567 |
| Average total loans | $90,891,000 | 3,395 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,704 |
| Cost of funding earning assets | 0.8403% | 2,169 |
| Net interest margin | 3.5341% | 2,869 |
| Noninterest income to average assets | 0.4978% | 2,559 |
| Noninterest expense to average assets | 2.4863% | 3,315 |
| Loan and lease loss provision to assets | 2.3203% | 53 |
| Net operating income to assets | -0.9661% | 4,985 |
| Return on assets (ROA) | -0.6668% | 4,931 |
| Pretax return on assets | -0.6193% | 4,905 |
| Return on Equity (ROE) | -5.8065% | 4,942 |
| Retained earnings to average equity (ytd only) | -9.6774% | 4,752 |
| Net charge-offs to loans | 3.2606% | 38 |
| Credit loss provision to net charge-offs | 104.6791% | 1,788 |
| Earnings coverage of net charge-offs (x) | 0.6324% | 2,452 |
| Efficiency ratio | 63.9482% | 3,240 |
| Assets per employee ($millions) | 4.0822% | 3,813 |
| Cash dividends to net income (ytd only)* | -66.6667% | 5,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,529 |
| Loan loss allowance to noncurrent loans | 49.3158% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 789 |
| Noncurrent loans to loans | 2.0942% | 656 |
| Net loans and leases to total assets | 66.6531% | 2,739 |
| Net loans and leases to deposits | 74.8859% | 3,179 |
| Net loans and leases to core deposits | 79.4101% | 3,245 |
| Total domestic deposits to total assets | 89.0061% | 660 |
| Equity capital to assets | 10.7126% | 3,122 |
| Core capital (leverage) ratio | 11.4673% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,982,000 | 3,519 |
| Average earning assets | $129,480,000 | 3,450 |
| Average equity | $15,500,000 | 3,611 |
| Average total loans | $91,761,000 | 3,364 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 2,954 |
| Cost of funding earning assets | 0.9428% | 1,995 |
| Net interest margin | 3.5554% | 3,269 |
| Noninterest income to average assets | 0.6980% | 1,829 |
| Noninterest expense to average assets | 2.5147% | 3,404 |
| Loan and lease loss provision to assets | 0.0883% | 2,256 |
| Net operating income to assets | 1.4490% | 1,194 |
| Return on assets (ROA) | 1.4490% | 1,256 |
| Pretax return on assets | 1.5152% | 1,759 |
| Return on Equity (ROE) | 12.2706% | 1,409 |
| Retained earnings to average equity (ytd only) | 4.7961% | 2,538 |
| Net charge-offs to loans | 0.6501% | 273 |
| Credit loss provision to net charge-offs | 20.0669% | 3,315 |
| Earnings coverage of net charge-offs (x) | 3.6455% | 3,301 |
| Efficiency ratio | 61.0645% | 3,526 |
| Assets per employee ($millions) | 4.0986% | 3,775 |
| Cash dividends to net income (ytd only)* | 60.9137% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 3,639 |
| Loan loss allowance to noncurrent loans | 58.7622% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,056 |
| Noncurrent loans to loans | 1.6542% | 837 |
| Net loans and leases to total assets | 67.9423% | 2,687 |
| Net loans and leases to deposits | 77.7873% | 3,032 |
| Net loans and leases to core deposits | 82.7769% | 3,060 |
| Total domestic deposits to total assets | 87.3437% | 1,435 |
| Equity capital to assets | 12.2504% | 1,979 |
| Core capital (leverage) ratio | 11.6536% | 1,996 |
| Tier 1 risk-based capital ratio | 13.5371% | 3,501 |
| Total risk-based capital ratio | 14.3107% | 3,637 |
| Memoranda: | ||
| Average total assets | $135,959,800 | 3,497 |
| Average earning assets | $130,786,000 | 3,409 |
| Average equity | $16,054,600 | 3,535 |
| Average total loans | $91,983,400 | 3,357 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 3,056 |
| Cost of funding earning assets | 0.9473% | 2,003 |
| Net interest margin | 3.5551% | 3,388 |
| Noninterest income to average assets | 0.6297% | 2,073 |
| Noninterest expense to average assets | 2.4357% | 3,598 |
| Loan and lease loss provision to assets | 0.0881% | 2,145 |
| Net operating income to assets | 1.4612% | 1,300 |
| Return on assets (ROA) | 1.4612% | 1,349 |
| Pretax return on assets | 1.5278% | 1,880 |
| Return on Equity (ROE) | 12.4908% | 1,446 |
| Retained earnings to average equity (ytd only) | 8.7235% | 1,126 |
| Net charge-offs to loans | 0.1395% | 1,153 |
| Credit loss provision to net charge-offs | 93.7500% | 2,357 |
| Earnings coverage of net charge-offs (x) | 17.1871% | 2,106 |
| Efficiency ratio | 60.1160% | 3,626 |
| Assets per employee ($millions) | 4.0867% | 3,781 |
| Cash dividends to net income (ytd only)* | 30.1612% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,382 |
| Loan loss allowance to noncurrent loans | 66.0895% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5416% | 704 |
| Noncurrent loans to loans | 2.2005% | 578 |
| Net loans and leases to total assets | 69.0370% | 2,619 |
| Net loans and leases to deposits | 80.0309% | 2,894 |
| Net loans and leases to core deposits | 85.0552% | 2,988 |
| Total domestic deposits to total assets | 86.2629% | 1,881 |
| Equity capital to assets | 12.5448% | 1,882 |
| Core capital (leverage) ratio | 11.6970% | 2,078 |
| Tier 1 risk-based capital ratio | 13.7360% | 3,460 |
| Total risk-based capital ratio | 14.9115% | 3,405 |
| Memoranda: | ||
| Average total assets | $136,136,500 | 3,527 |
| Average earning assets | $131,039,500 | 3,443 |
| Average equity | $15,926,000 | 3,586 |
| Average total loans | $91,780,250 | 3,404 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 2,959 |
| Cost of funding earning assets | 0.9423% | 1,956 |
| Net interest margin | 3.5758% | 3,349 |
| Noninterest income to average assets | 0.6752% | 1,810 |
| Noninterest expense to average assets | 2.4341% | 3,644 |
| Loan and lease loss provision to assets | 0.0879% | 2,087 |
| Net operating income to assets | 1.5217% | 1,088 |
| Return on assets (ROA) | 1.5217% | 1,134 |
| Pretax return on assets | 1.5934% | 1,563 |
| Return on Equity (ROE) | 13.3245% | 1,149 |
| Retained earnings to average equity (ytd only) | 9.4772% | 912 |
| Net charge-offs to loans | 0.1629% | 983 |
| Credit loss provision to net charge-offs | 81.0811% | 2,216 |
| Earnings coverage of net charge-offs (x) | 15.5135% | 1,981 |
| Efficiency ratio | 59.1459% | 3,843 |
| Assets per employee ($millions) | 4.1823% | 3,602 |
| Cash dividends to net income (ytd only)* | 28.8739% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,264 |
| Loan loss allowance to noncurrent loans | 68.8508% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.4375% | 799 |
| Noncurrent loans to loans | 2.1851% | 620 |
| Net loans and leases to total assets | 64.7961% | 3,260 |
| Net loans and leases to deposits | 73.8228% | 3,533 |
| Net loans and leases to core deposits | 78.8053% | 3,519 |
| Total domestic deposits to total assets | 87.7724% | 1,209 |
| Equity capital to assets | 11.8834% | 2,275 |
| Core capital (leverage) ratio | 11.4441% | 2,213 |
| Tier 1 risk-based capital ratio | 13.8115% | 3,418 |
| Total risk-based capital ratio | 15.0092% | 3,343 |
| Memoranda: | ||
| Average total assets | $136,561,670 | 3,534 |
| Average earning assets | $131,383,330 | 3,456 |
| Average equity | $15,595,330 | 3,623 |
| Average total loans | $90,881,000 | 3,438 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 2,945 |
| Cost of funding earning assets | 0.9250% | 1,901 |
| Net interest margin | 3.5529% | 3,423 |
| Noninterest income to average assets | 0.4505% | 2,851 |
| Noninterest expense to average assets | 2.3853% | 3,810 |
| Loan and lease loss provision to assets | 0.0883% | 1,943 |
| Net operating income to assets | 1.3340% | 1,583 |
| Return on assets (ROA) | 1.3340% | 1,619 |
| Pretax return on assets | 1.3929% | 2,106 |
| Return on Equity (ROE) | 11.9269% | 1,562 |
| Retained earnings to average equity (ytd only) | 7.9776% | 1,671 |
| Net charge-offs to loans | 0.2332% | 615 |
| Credit loss provision to net charge-offs | 56.6038% | 1,929 |
| Earnings coverage of net charge-offs (x) | 9.4906% | 2,024 |
| Efficiency ratio | 61.6908% | 3,582 |
| Assets per employee ($millions) | 4.1854% | 3,647 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,482 |
| Loan loss allowance to noncurrent loans | 70.0568% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 891 |
| Noncurrent loans to loans | 2.0817% | 707 |
| Net loans and leases to total assets | 66.3860% | 2,995 |
| Net loans and leases to deposits | 74.9943% | 3,354 |
| Net loans and leases to core deposits | 80.1817% | 3,353 |
| Total domestic deposits to total assets | 88.5214% | 1,081 |
| Equity capital to assets | 11.2455% | 2,604 |
| Core capital (leverage) ratio | 11.2292% | 2,365 |
| Tier 1 risk-based capital ratio | 13.2840% | 3,726 |
| Total risk-based capital ratio | 14.4609% | 3,671 |
| Memoranda: | ||
| Average total assets | $135,834,500 | 3,581 |
| Average earning assets | $130,596,000 | 3,506 |
| Average equity | $15,192,500 | 3,684 |
| Average total loans | $90,924,000 | 3,470 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 3,091 |
| Cost of funding earning assets | 0.8841% | 1,154 |
| Net interest margin | 3.4219% | 3,934 |
| Noninterest income to average assets | 0.5180% | 2,727 |
| Noninterest expense to average assets | 2.4886% | 3,639 |
| Loan and lease loss provision to assets | 0.0882% | 2,382 |
| Net operating income to assets | 1.1624% | 2,339 |
| Return on assets (ROA) | 1.1624% | 2,335 |
| Pretax return on assets | 1.2175% | 2,822 |
| Return on Equity (ROE) | 10.7654% | 2,176 |
| Retained earnings to average equity (ytd only) | 2.5995% | 4,100 |
| Net charge-offs to loans | 0.3378% | 569 |
| Credit loss provision to net charge-offs | 40.2685% | 3,282 |
| Earnings coverage of net charge-offs (x) | 5.9631% | 3,139 |
| Efficiency ratio | 65.5887% | 2,935 |
| Assets per employee ($millions) | 4.0470% | 3,834 |
| Cash dividends to net income (ytd only)* | 75.8534% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,134 |
| Loan loss allowance to noncurrent loans | 78.0985% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 955 |
| Noncurrent loans to loans | 1.9899% | 679 |
| Net loans and leases to total assets | 65.4581% | 3,203 |
| Net loans and leases to deposits | 74.0251% | 3,496 |
| Net loans and leases to core deposits | 79.1511% | 3,489 |
| Total domestic deposits to total assets | 88.4269% | 1,105 |
| Equity capital to assets | 11.1216% | 2,580 |
| Core capital (leverage) ratio | 11.0595% | 2,471 |
| Tier 1 risk-based capital ratio | 13.6744% | 3,453 |
| Total risk-based capital ratio | 14.9241% | 3,374 |
| Memoranda: | ||
| Average total assets | $136,102,400 | 3,566 |
| Average earning assets | $130,307,200 | 3,489 |
| Average equity | $14,695,200 | 3,672 |
| Average total loans | $88,228,000 | 3,511 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 3,235 |
| Cost of funding earning assets | 0.8380% | 1,157 |
| Net interest margin | 3.3845% | 4,052 |
| Noninterest income to average assets | 0.4963% | 2,896 |
| Noninterest expense to average assets | 2.4104% | 3,833 |
| Loan and lease loss provision to assets | 0.0878% | 2,219 |
| Net operating income to assets | 1.1837% | 2,299 |
| Return on assets (ROA) | 1.1837% | 2,305 |
| Pretax return on assets | 1.2393% | 2,847 |
| Return on Equity (ROE) | 11.0443% | 2,160 |
| Retained earnings to average equity (ytd only) | 2.8566% | 4,291 |
| Net charge-offs to loans | 0.4011% | 406 |
| Credit loss provision to net charge-offs | 33.9623% | 2,948 |
| Earnings coverage of net charge-offs (x) | 5.1359% | 2,986 |
| Efficiency ratio | 64.4926% | 3,103 |
| Assets per employee ($millions) | 4.1375% | 3,678 |
| Cash dividends to net income (ytd only)* | 74.1349% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,178 |
| Loan loss allowance to noncurrent loans | 224.5130% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 2,885 |
| Noncurrent loans to loans | 0.6940% | 2,343 |
| Net loans and leases to total assets | 63.9966% | 3,427 |
| Net loans and leases to deposits | 74.8274% | 3,520 |
| Net loans and leases to core deposits | 80.0717% | 3,489 |
| Total domestic deposits to total assets | 85.5255% | 2,386 |
| Equity capital to assets | 10.6337% | 3,012 |
| Core capital (leverage) ratio | 11.0705% | 2,513 |
| Tier 1 risk-based capital ratio | 13.6700% | 3,532 |
| Total risk-based capital ratio | 14.9204% | 3,448 |
| Memoranda: | ||
| Average total assets | $136,740,250 | 3,587 |
| Average earning assets | $130,946,750 | 3,516 |
| Average equity | $14,655,750 | 3,704 |
| Average total loans | $88,085,000 | 3,545 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 3,215 |
| Cost of funding earning assets | 0.8140% | 1,067 |
| Net interest margin | 3.3537% | 4,093 |
| Noninterest income to average assets | 0.4883% | 2,931 |
| Noninterest expense to average assets | 2.4121% | 3,864 |
| Loan and lease loss provision to assets | 0.0877% | 2,162 |
| Net operating income to assets | 1.1447% | 2,416 |
| Return on assets (ROA) | 1.1447% | 2,420 |
| Pretax return on assets | 1.1988% | 2,950 |
| Return on Equity (ROE) | 10.6521% | 2,256 |
| Retained earnings to average equity (ytd only) | 2.4896% | 4,266 |
| Net charge-offs to loans | 0.6032% | 249 |
| Credit loss provision to net charge-offs | 22.6415% | 2,675 |
| Earnings coverage of net charge-offs (x) | 3.3208% | 2,884 |
| Efficiency ratio | 65.2174% | 3,118 |
| Assets per employee ($millions) | 4.0994% | 3,730 |
| Cash dividends to net income (ytd only)* | 76.6284% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 1,212 |
| Loan loss allowance to noncurrent loans | 206.2500% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,818 |
| Noncurrent loans to loans | 0.7560% | 2,228 |
| Net loans and leases to total assets | 63.1406% | 3,499 |
| Net loans and leases to deposits | 71.0379% | 3,779 |
| Net loans and leases to core deposits | 76.0301% | 3,744 |
| Total domestic deposits to total assets | 88.8830% | 981 |
| Equity capital to assets | 10.8191% | 2,819 |
| Core capital (leverage) ratio | 10.8361% | 2,668 |
| Tier 1 risk-based capital ratio | 13.8206% | 3,452 |
| Total risk-based capital ratio | 15.0707% | 3,363 |
| Memoranda: | ||
| Average total assets | $136,808,000 | 3,613 |
| Average earning assets | $130,960,000 | 3,538 |
| Average equity | $14,701,330 | 3,716 |
| Average total loans | $87,859,330 | 3,567 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,571 |
| Cost of funding earning assets | 0.7505% | 1,189 |
| Net interest margin | 3.2592% | 4,293 |
| Noninterest income to average assets | 0.5117% | 2,739 |
| Noninterest expense to average assets | 2.3842% | 3,988 |
| Loan and lease loss provision to assets | 0.0872% | 2,059 |
| Net operating income to assets | 1.1165% | 2,348 |
| Return on assets (ROA) | 1.1165% | 2,369 |
| Pretax return on assets | 1.1717% | 2,885 |
| Return on Equity (ROE) | 10.4249% | 2,215 |
| Retained earnings to average equity (ytd only) | 2.2804% | 4,253 |
| Net charge-offs to loans | 0.2941% | 522 |
| Credit loss provision to net charge-offs | 46.1538% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.6615% | 2,144 |
| Efficiency ratio | 65.4429% | 3,258 |
| Assets per employee ($millions) | 4.1952% | 3,659 |
| Cash dividends to net income (ytd only)* | 78.1250% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 905 |
| Loan loss allowance to noncurrent loans | 90.7088% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 1,253 |
| Noncurrent loans to loans | 1.9007% | 860 |
| Net loans and leases to total assets | 62.7083% | 3,461 |
| Net loans and leases to deposits | 70.2617% | 3,767 |
| Net loans and leases to core deposits | 75.0551% | 3,736 |
| Total domestic deposits to total assets | 89.2496% | 984 |
| Equity capital to assets | 10.5316% | 3,047 |
| Core capital (leverage) ratio | 10.8117% | 2,621 |
| Tier 1 risk-based capital ratio | 13.5855% | 3,608 |
| Total risk-based capital ratio | 14.8374% | 3,520 |
| Memoranda: | ||
| Average total assets | $137,572,500 | 3,638 |
| Average earning assets | $132,181,000 | 3,560 |
| Average equity | $14,734,000 | 3,744 |
| Average total loans | $88,404,500 | 3,580 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,062 |
| Cost of funding earning assets | 0.6560% | 1,267 |
| Net interest margin | 3.4428% | 3,710 |
| Noninterest income to average assets | 0.5247% | 2,852 |
| Noninterest expense to average assets | 2.4229% | 4,012 |
| Loan and lease loss provision to assets | 0.1308% | 1,755 |
| Net operating income to assets | 1.2029% | 1,515 |
| Return on assets (ROA) | 1.2420% | 1,399 |
| Pretax return on assets | 1.2994% | 2,352 |
| Return on Equity (ROE) | 11.5737% | 1,321 |
| Retained earnings to average equity (ytd only) | 3.4471% | 3,219 |
| Net charge-offs to loans | 0.1089% | 1,980 |
| Credit loss provision to net charge-offs | 187.5000% | 1,451 |
| Earnings coverage of net charge-offs (x) | 19.9167% | 1,996 |
| Efficiency ratio | 63.5532% | 3,671 |
| Assets per employee ($millions) | 4.2720% | 3,536 |
| Cash dividends to net income (ytd only)* | 70.2165% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 842 |
| Loan loss allowance to noncurrent loans | 199.7436% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 2,638 |
| Noncurrent loans to loans | 0.8816% | 2,020 |
| Net loans and leases to total assets | 63.5782% | 3,411 |
| Net loans and leases to deposits | 71.8416% | 3,717 |
| Net loans and leases to core deposits | 77.0241% | 3,665 |
| Total domestic deposits to total assets | 88.4978% | 1,253 |
| Equity capital to assets | 10.8907% | 2,741 |
| Core capital (leverage) ratio | 10.6084% | 2,734 |
| Tier 1 risk-based capital ratio | 13.7650% | 3,486 |
| Total risk-based capital ratio | 15.0182% | 3,402 |
| Memoranda: | ||
| Average total assets | $137,602,800 | 3,643 |
| Average earning assets | $131,404,200 | 3,572 |
| Average equity | $14,766,200 | 3,744 |
| Average total loans | $88,124,400 | 3,558 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,123 |
| Cost of funding earning assets | 0.6411% | 1,299 |
| Net interest margin | 3.4213% | 3,769 |
| Noninterest income to average assets | 0.5214% | 2,890 |
| Noninterest expense to average assets | 2.3033% | 4,291 |
| Loan and lease loss provision to assets | 0.1306% | 1,665 |
| Net operating income to assets | 1.2904% | 1,374 |
| Return on assets (ROA) | 1.3359% | 1,260 |
| Pretax return on assets | 1.3978% | 2,126 |
| Return on Equity (ROE) | 12.4954% | 1,189 |
| Retained earnings to average equity (ytd only) | 4.3521% | 3,315 |
| Net charge-offs to loans | 0.0485% | 2,463 |
| Credit loss provision to net charge-offs | 421.8750% | 739 |
| Earnings coverage of net charge-offs (x) | 47.8388% | 1,150 |
| Efficiency ratio | 60.8640% | 4,063 |
| Assets per employee ($millions) | 4.4825% | 3,178 |
| Cash dividends to net income (ytd only)* | 65.1701% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 897 |
| Loan loss allowance to noncurrent loans | 219.3324% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 2,986 |
| Noncurrent loans to loans | 0.8086% | 2,342 |
| Net loans and leases to total assets | 62.8587% | 3,563 |
| Net loans and leases to deposits | 71.4674% | 3,829 |
| Net loans and leases to core deposits | 76.2840% | 3,785 |
| Total domestic deposits to total assets | 87.9545% | 1,386 |
| Equity capital to assets | 10.8761% | 2,985 |
| Core capital (leverage) ratio | 10.6493% | 2,827 |
| Tier 1 risk-based capital ratio | 13.5856% | 3,644 |
| Total risk-based capital ratio | 14.8396% | 3,566 |
| Memoranda: | ||
| Average total assets | $137,827,500 | 3,675 |
| Average earning assets | $131,447,750 | 3,611 |
| Average equity | $14,735,750 | 3,787 |
| Average total loans | $88,037,500 | 3,597 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,203 |
| Cost of funding earning assets | 0.6229% | 1,316 |
| Net interest margin | 3.3784% | 3,842 |
| Noninterest income to average assets | 0.4962% | 3,050 |
| Noninterest expense to average assets | 2.3106% | 4,313 |
| Loan and lease loss provision to assets | 0.1310% | 1,591 |
| Net operating income to assets | 1.2397% | 1,474 |
| Return on assets (ROA) | 1.2397% | 1,502 |
| Pretax return on assets | 1.2979% | 2,392 |
| Return on Equity (ROE) | 11.6632% | 1,398 |
| Retained earnings to average equity (ytd only) | 3.4497% | 3,659 |
| Net charge-offs to loans | 0.0615% | 2,042 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 36.3704% | 1,335 |
| Efficiency ratio | 61.7899% | 4,028 |
| Assets per employee ($millions) | 4.3704% | 3,312 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 954 |
| Loan loss allowance to noncurrent loans | 303.1558% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,665 |
| Noncurrent loans to loans | 0.5825% | 2,985 |
| Net loans and leases to total assets | 61.1396% | 3,730 |
| Net loans and leases to deposits | 69.1396% | 3,976 |
| Net loans and leases to core deposits | 74.5499% | 3,895 |
| Total domestic deposits to total assets | 88.4292% | 1,242 |
| Equity capital to assets | 10.7371% | 3,094 |
| Core capital (leverage) ratio | 10.5251% | 2,884 |
| Tier 1 risk-based capital ratio | 13.4128% | 3,740 |
| Total risk-based capital ratio | 14.6649% | 3,657 |
| Memoranda: | ||
| Average total assets | $137,451,330 | 3,702 |
| Average earning assets | $131,957,330 | 3,621 |
| Average equity | $14,610,000 | 3,809 |
| Average total loans | $87,742,330 | 3,622 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,009 |
| Cost of funding earning assets | 0.5931% | 1,426 |
| Net interest margin | 3.4148% | 3,601 |
| Noninterest income to average assets | 0.4638% | 3,228 |
| Noninterest expense to average assets | 2.3075% | 4,390 |
| Loan and lease loss provision to assets | 0.1321% | 1,448 |
| Net operating income to assets | 1.2448% | 1,393 |
| Return on assets (ROA) | 1.2448% | 1,430 |
| Pretax return on assets | 1.3035% | 2,222 |
| Return on Equity (ROE) | 11.7721% | 1,315 |
| Retained earnings to average equity (ytd only) | 3.4428% | 3,716 |
| Net charge-offs to loans | -0.0499% | 5,185 |
| Credit loss provision to net charge-offs | -409.0909% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6471% | 4,203 |
| Assets per employee ($millions) | 4.3209% | 3,467 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 1,045 |
| Loan loss allowance to noncurrent loans | 2,508.1967% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,124 |
| Noncurrent loans to loans | 0.0700% | 4,922 |
| Net loans and leases to total assets | 63.9437% | 3,286 |
| Net loans and leases to deposits | 72.4226% | 3,571 |
| Net loans and leases to core deposits | 77.7855% | 3,491 |
| Total domestic deposits to total assets | 88.2926% | 1,538 |
| Equity capital to assets | 10.8713% | 2,776 |
| Core capital (leverage) ratio | 10.6182% | 2,772 |
| Tier 1 risk-based capital ratio | 13.3898% | 3,840 |
| Total risk-based capital ratio | 14.6426% | 3,758 |
| Memoranda: | ||
| Average total assets | $136,251,000 | 3,753 |
| Average earning assets | $130,842,500 | 3,669 |
| Average equity | $14,407,000 | 3,862 |
| Average total loans | $88,092,500 | 3,646 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,813 |
| Cost of funding earning assets | 0.6222% | 1,192 |
| Net interest margin | 3.4878% | 3,485 |
| Noninterest income to average assets | 0.4800% | 3,351 |
| Noninterest expense to average assets | 2.3622% | 4,395 |
| Loan and lease loss provision to assets | 0.1342% | 1,859 |
| Net operating income to assets | 1.2590% | 1,332 |
| Return on assets (ROA) | 1.2053% | 1,574 |
| Pretax return on assets | 1.2620% | 2,429 |
| Return on Equity (ROE) | 10.9483% | 1,598 |
| Retained earnings to average equity (ytd only) | 2.8234% | 3,890 |
| Net charge-offs to loans | 0.0136% | 3,827 |
| Credit loss provision to net charge-offs | 1,636.3636% | 266 |
| Earnings coverage of net charge-offs (x) | 177.0909% | 368 |
| Efficiency ratio | 61.9308% | 4,264 |
| Assets per employee ($millions) | 4.6184% | 2,931 |
| Cash dividends to net income (ytd only)* | 74.2115% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 1,239 |
| Loan loss allowance to noncurrent loans | 1,656.1798% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 5,073 |
| Noncurrent loans to loans | 0.1000% | 4,837 |
| Net loans and leases to total assets | 63.1737% | 3,454 |
| Net loans and leases to deposits | 71.0976% | 3,801 |
| Net loans and leases to core deposits | 75.3346% | 3,810 |
| Total domestic deposits to total assets | 88.8548% | 1,177 |
| Equity capital to assets | 10.2863% | 3,402 |
| Core capital (leverage) ratio | 10.2063% | 3,217 |
| Tier 1 risk-based capital ratio | 13.1274% | 3,982 |
| Total risk-based capital ratio | 14.3785% | 3,909 |
| Memoranda: | ||
| Average total assets | $134,156,200 | 3,766 |
| Average earning assets | $128,246,600 | 3,685 |
| Average equity | $14,769,400 | 3,837 |
| Average total loans | $81,152,200 | 3,779 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 2,801 |
| Cost of funding earning assets | 0.6264% | 1,161 |
| Net interest margin | 3.4938% | 3,492 |
| Noninterest income to average assets | 0.4559% | 3,516 |
| Noninterest expense to average assets | 2.3979% | 4,284 |
| Loan and lease loss provision to assets | 0.1353% | 1,735 |
| Net operating income to assets | 1.2035% | 1,638 |
| Return on assets (ROA) | 1.1313% | 1,988 |
| Pretax return on assets | 1.1844% | 2,895 |
| Return on Equity (ROE) | 10.1035% | 2,009 |
| Retained earnings to average equity (ytd only) | 2.0494% | 4,666 |
| Net charge-offs to loans | 0.0135% | 3,481 |
| Credit loss provision to net charge-offs | 1,687.5000% | 279 |
| Earnings coverage of net charge-offs (x) | 173.9410% | 414 |
| Efficiency ratio | 63.2232% | 4,034 |
| Assets per employee ($millions) | 4.2125% | 3,570 |
| Cash dividends to net income (ytd only)* | 79.7163% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 1,155 |
| Loan loss allowance to noncurrent loans | 765.7754% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 4,895 |
| Noncurrent loans to loans | 0.2253% | 4,464 |
| Net loans and leases to total assets | 58.6701% | 4,027 |
| Net loans and leases to deposits | 67.5560% | 4,196 |
| Net loans and leases to core deposits | 71.6517% | 4,186 |
| Total domestic deposits to total assets | 86.8466% | 1,963 |
| Equity capital to assets | 10.8688% | 3,172 |
| Core capital (leverage) ratio | 10.2278% | 3,307 |
| Tier 1 risk-based capital ratio | 13.4665% | 3,879 |
| Total risk-based capital ratio | 14.7180% | 3,788 |
| Memoranda: | ||
| Average total assets | $133,057,000 | 3,807 |
| Average earning assets | $127,077,750 | 3,719 |
| Average equity | $14,898,750 | 3,854 |
| Average total loans | $79,189,500 | 3,845 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 2,658 |
| Cost of funding earning assets | 0.6344% | 1,119 |
| Net interest margin | 3.5201% | 3,409 |
| Noninterest income to average assets | 0.4532% | 3,500 |
| Noninterest expense to average assets | 2.4445% | 4,205 |
| Loan and lease loss provision to assets | 0.1373% | 1,651 |
| Net operating income to assets | 1.1780% | 1,674 |
| Return on assets (ROA) | 1.1780% | 1,771 |
| Pretax return on assets | 1.2329% | 2,654 |
| Return on Equity (ROE) | 10.4123% | 1,882 |
| Retained earnings to average equity (ytd only) | 2.3198% | 4,396 |
| Net charge-offs to loans | -0.0154% | 4,846 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0800% | 4,000 |
| Assets per employee ($millions) | 4.3744% | 3,265 |
| Cash dividends to net income (ytd only)* | 77.7202% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,271 |
| Loan loss allowance to noncurrent loans | 99.4322% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 2,048 |
| Noncurrent loans to loans | 1.7129% | 1,235 |
| Net loans and leases to total assets | 59.6267% | 3,933 |
| Net loans and leases to deposits | 68.8405% | 4,100 |
| Net loans and leases to core deposits | 73.1336% | 4,067 |
| Total domestic deposits to total assets | 86.6157% | 2,104 |
| Equity capital to assets | 11.0643% | 2,984 |
| Core capital (leverage) ratio | 10.4938% | 2,980 |
| Tier 1 risk-based capital ratio | 13.3165% | 4,003 |
| Total risk-based capital ratio | 14.5677% | 3,926 |
| Memoranda: | ||
| Average total assets | $131,071,670 | 3,860 |
| Average earning assets | $125,165,670 | 3,775 |
| Average equity | $14,828,670 | 3,885 |
| Average total loans | $77,922,330 | 3,905 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,964 |
| Cost of funding earning assets | 0.6317% | 1,141 |
| Net interest margin | 3.4386% | 3,718 |
| Noninterest income to average assets | 0.4814% | 3,247 |
| Noninterest expense to average assets | 2.4844% | 4,116 |
| Loan and lease loss provision to assets | 0.1397% | 1,504 |
| Net operating income to assets | 1.0869% | 1,955 |
| Return on assets (ROA) | 1.0869% | 2,055 |
| Pretax return on assets | 1.1366% | 2,949 |
| Return on Equity (ROE) | 9.4973% | 2,202 |
| Retained earnings to average equity (ytd only) | 1.3568% | 4,717 |
| Net charge-offs to loans | -0.0739% | 5,520 |
| Credit loss provision to net charge-offs | -321.4286% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0611% | 3,790 |
| Assets per employee ($millions) | 4.3531% | 3,319 |
| Cash dividends to net income (ytd only)* | 85.7143% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 1,271 |
| Loan loss allowance to noncurrent loans | 91.4822% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 1,931 |
| Noncurrent loans to loans | 1.9000% | 1,158 |
| Net loans and leases to total assets | 59.0448% | 3,913 |
| Net loans and leases to deposits | 68.4580% | 4,010 |
| Net loans and leases to core deposits | 73.4274% | 3,945 |
| Total domestic deposits to total assets | 86.2498% | 2,570 |
| Equity capital to assets | 11.3696% | 2,557 |
| Core capital (leverage) ratio | 10.7601% | 2,663 |
| Tier 1 risk-based capital ratio | 12.5771% | 4,531 |
| Total risk-based capital ratio | 13.8243% | 4,445 |
| Memoranda: | ||
| Average total assets | $128,804,000 | 3,931 |
| Average earning assets | $122,839,000 | 3,851 |
| Average equity | $14,741,000 | 3,902 |
| Average total loans | $75,754,000 | 3,977 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,053 |
| Cost of funding earning assets | 0.6184% | 1,247 |
| Net interest margin | 3.4466% | 3,734 |
| Noninterest income to average assets | 0.7301% | 2,064 |
| Noninterest expense to average assets | 2.5271% | 4,139 |
| Loan and lease loss provision to assets | 0.2006% | 1,067 |
| Net operating income to assets | 1.2283% | 1,457 |
| Return on assets (ROA) | 1.2299% | 1,513 |
| Pretax return on assets | 1.2860% | 2,333 |
| Return on Equity (ROE) | 10.5222% | 1,794 |
| Retained earnings to average equity (ytd only) | 2.2856% | 4,425 |
| Net charge-offs to loans | 0.2049% | 1,430 |
| Credit loss provision to net charge-offs | 172.4138% | 1,562 |
| Earnings coverage of net charge-offs (x) | 12.7655% | 2,432 |
| Efficiency ratio | 62.9874% | 4,444 |
| Assets per employee ($millions) | 3.7357% | 4,404 |
| Cash dividends to net income (ytd only)* | 78.2779% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 1,157 |
| Loan loss allowance to noncurrent loans | 83.7612% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 1,758 |
| Noncurrent loans to loans | 2.1332% | 954 |
| Net loans and leases to total assets | 56.4741% | 4,257 |
| Net loans and leases to deposits | 65.6934% | 4,341 |
| Net loans and leases to core deposits | 70.3504% | 4,281 |
| Total domestic deposits to total assets | 85.9661% | 2,655 |
| Equity capital to assets | 11.5216% | 2,336 |
| Core capital (leverage) ratio | 10.7721% | 2,629 |
| Tier 1 risk-based capital ratio | 12.8864% | 4,394 |
| Total risk-based capital ratio | 14.1134% | 4,305 |
| Memoranda: | ||
| Average total assets | $124,646,400 | 3,994 |
| Average earning assets | $118,698,400 | 3,909 |
| Average equity | $14,569,200 | 3,893 |
| Average total loans | $70,777,800 | 4,075 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 3,008 |
| Cost of funding earning assets | 0.6139% | 1,316 |
| Net interest margin | 3.4690% | 3,674 |
| Noninterest income to average assets | 0.8082% | 1,776 |
| Noninterest expense to average assets | 2.5171% | 4,138 |
| Loan and lease loss provision to assets | 0.2526% | 676 |
| Net operating income to assets | 1.2791% | 1,395 |
| Return on assets (ROA) | 1.2811% | 1,445 |
| Pretax return on assets | 1.3445% | 2,231 |
| Return on Equity (ROE) | 10.9207% | 1,737 |
| Retained earnings to average equity (ytd only) | 2.6752% | 4,514 |
| Net charge-offs to loans | 0.1519% | 1,620 |
| Credit loss provision to net charge-offs | 293.7500% | 983 |
| Earnings coverage of net charge-offs (x) | 18.5507% | 1,994 |
| Efficiency ratio | 61.2128% | 4,689 |
| Assets per employee ($millions) | 3.6676% | 4,492 |
| Cash dividends to net income (ytd only)* | 75.5035% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 1,094 |
| Loan loss allowance to noncurrent loans | 94.6229% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1484% | 2,071 |
| Noncurrent loans to loans | 1.9964% | 1,163 |
| Net loans and leases to total assets | 56.4364% | 4,302 |
| Net loans and leases to deposits | 66.7954% | 4,297 |
| Net loans and leases to core deposits | 70.4158% | 4,332 |
| Total domestic deposits to total assets | 84.4913% | 3,227 |
| Equity capital to assets | 11.7837% | 2,279 |
| Core capital (leverage) ratio | 11.2402% | 2,256 |
| Tier 1 risk-based capital ratio | 13.3091% | 4,245 |
| Total risk-based capital ratio | 14.5595% | 4,178 |
| Memoranda: | ||
| Average total assets | $124,054,500 | 4,041 |
| Average earning assets | $118,148,750 | 3,956 |
| Average equity | $14,553,000 | 3,939 |
| Average total loans | $70,213,500 | 4,128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 2,881 |
| Cost of funding earning assets | 0.6106% | 1,343 |
| Net interest margin | 3.4939% | 3,526 |
| Noninterest income to average assets | 0.7041% | 2,198 |
| Noninterest expense to average assets | 2.5531% | 4,062 |
| Loan and lease loss provision to assets | 0.1453% | 1,480 |
| Net operating income to assets | 1.2743% | 1,392 |
| Return on assets (ROA) | 1.2774% | 1,450 |
| Pretax return on assets | 1.3355% | 2,228 |
| Return on Equity (ROE) | 10.9056% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.6333% | 4,382 |
| Net charge-offs to loans | 0.2295% | 1,124 |
| Credit loss provision to net charge-offs | 112.5000% | 1,894 |
| Earnings coverage of net charge-offs (x) | 11.4375% | 2,293 |
| Efficiency ratio | 63.3413% | 4,458 |
| Assets per employee ($millions) | 3.5060% | 4,777 |
| Cash dividends to net income (ytd only)* | 75.8534% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 1,582 |
| Loan loss allowance to noncurrent loans | 102.7165% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 2,606 |
| Noncurrent loans to loans | 1.6630% | 1,569 |
| Net loans and leases to total assets | 56.7406% | 4,252 |
| Net loans and leases to deposits | 66.2030% | 4,321 |
| Net loans and leases to core deposits | 69.8975% | 4,332 |
| Total domestic deposits to total assets | 85.7071% | 2,839 |
| Equity capital to assets | 11.7284% | 2,224 |
| Core capital (leverage) ratio | 10.9934% | 2,425 |
| Tier 1 risk-based capital ratio | 16.9222% | 2,435 |
| Total risk-based capital ratio | 18.1747% | 2,385 |
| Memoranda: | ||
| Average total assets | $123,848,330 | 4,077 |
| Average earning assets | $117,919,000 | 3,991 |
| Average equity | $14,506,330 | 3,962 |
| Average total loans | $69,708,000 | 4,169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 2,753 |
| Cost of funding earning assets | 0.6031% | 1,414 |
| Net interest margin | 3.5167% | 3,364 |
| Noninterest income to average assets | 0.6398% | 2,452 |
| Noninterest expense to average assets | 2.6202% | 3,859 |
| Loan and lease loss provision to assets | 0.1447% | 1,413 |
| Net operating income to assets | 1.1577% | 1,677 |
| Return on assets (ROA) | 1.1638% | 1,760 |
| Pretax return on assets | 1.2185% | 2,594 |
| Return on Equity (ROE) | 9.9427% | 2,032 |
| Retained earnings to average equity (ytd only) | 1.7029% | 4,795 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8852% | 4,180 |
| Assets per employee ($millions) | 3.6566% | 4,596 |
| Cash dividends to net income (ytd only)* | 82.8729% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 1,567 |
| Loan loss allowance to noncurrent loans | 98.3412% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 2,311 |
| Noncurrent loans to loans | 1.7976% | 1,513 |
| Net loans and leases to total assets | 55.6470% | 4,243 |
| Net loans and leases to deposits | 66.4273% | 4,110 |
| Net loans and leases to core deposits | 69.4285% | 4,208 |
| Total domestic deposits to total assets | 83.7713% | 3,900 |
| Equity capital to assets | 11.8667% | 2,132 |
| Core capital (leverage) ratio | 11.9042% | 1,699 |
| Tier 1 risk-based capital ratio | 19.9783% | 1,624 |
| Total risk-based capital ratio | 19.9783% | 1,896 |
| Memoranda: | ||
| Average total assets | $124,417,000 | 4,095 |
| Average earning assets | $118,065,500 | 4,014 |
| Average equity | $14,563,500 | 3,983 |
| Average total loans | $69,143,500 | 4,200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,054 |
| Cost of funding earning assets | 0.6111% | 1,671 |
| Net interest margin | 3.5557% | 3,580 |
| Noninterest income to average assets | 0.4938% | 3,558 |
| Noninterest expense to average assets | 2.5173% | 4,490 |
| Loan and lease loss provision to assets | 0.1443% | 1,838 |
| Net operating income to assets | 1.1673% | 1,686 |
| Return on assets (ROA) | 1.3805% | 1,155 |
| Pretax return on assets | 1.4455% | 1,736 |
| Return on Equity (ROE) | 12.2702% | 1,331 |
| Retained earnings to average equity (ytd only) | 3.7195% | 3,568 |
| Net charge-offs to loans | 0.5458% | 743 |
| Credit loss provision to net charge-offs | 50.4202% | 3,472 |
| Earnings coverage of net charge-offs (x) | 4.7787% | 3,565 |
| Efficiency ratio | 64.7957% | 4,438 |
| Assets per employee ($millions) | 3.7731% | 4,399 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 1,602 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 2,166 |
| Noncurrent loans to loans | 1.9157% | 1,469 |
| Net loans and leases to total assets | 53.5374% | 4,632 |
| Net loans and leases to deposits | 64.1159% | 4,518 |
| Net loans and leases to core deposits | 67.6930% | 4,535 |
| Total domestic deposits to total assets | 83.5011% | 3,913 |
| Equity capital to assets | 11.5444% | 2,392 |
| Core capital (leverage) ratio | 10.6276% | 2,807 |
| Tier 1 risk-based capital ratio | 12.6053% | 4,974 |
| Total risk-based capital ratio | 13.7365% | 4,962 |
| Memoranda: | ||
| Average total assets | $124,735,400 | 4,086 |
| Average earning assets | $118,964,400 | 3,992 |
| Average equity | $14,034,000 | 4,016 |
| Average total loans | $65,407,000 | 4,319 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 3,239 |
| Cost of funding earning assets | 0.6074% | 1,770 |
| Net interest margin | 3.5272% | 3,729 |
| Noninterest income to average assets | 0.4808% | 3,681 |
| Noninterest expense to average assets | 2.3452% | 4,976 |
| Loan and lease loss provision to assets | 0.1442% | 1,737 |
| Net operating income to assets | 1.3052% | 1,355 |
| Return on assets (ROA) | 1.3473% | 1,308 |
| Pretax return on assets | 1.4103% | 1,966 |
| Return on Equity (ROE) | 12.0531% | 1,463 |
| Retained earnings to average equity (ytd only) | 3.4506% | 4,175 |
| Net charge-offs to loans | 0.0741% | 3,135 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 39.2769% | 1,144 |
| Efficiency ratio | 60.8202% | 5,073 |
| Assets per employee ($millions) | 3.7219% | 4,447 |
| Cash dividends to net income (ytd only)* | 71.3720% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1824% | 971 |
| Loan loss allowance to noncurrent loans | 93.8931% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 2,475 |
| Noncurrent loans to loans | 2.3243% | 1,287 |
| Net loans and leases to total assets | 52.2790% | 4,778 |
| Net loans and leases to deposits | 63.4569% | 4,596 |
| Net loans and leases to core deposits | 67.4521% | 4,562 |
| Total domestic deposits to total assets | 82.3851% | 4,346 |
| Equity capital to assets | 11.5010% | 2,487 |
| Core capital (leverage) ratio | 10.6370% | 2,877 |
| Tier 1 risk-based capital ratio | 12.2046% | 5,363 |
| Total risk-based capital ratio | 13.4564% | 5,282 |
| Memoranda: | ||
| Average total assets | $124,791,500 | 4,126 |
| Average earning assets | $119,411,500 | 4,006 |
| Average equity | $13,949,000 | 4,051 |
| Average total loans | $64,793,750 | 4,378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 3,258 |
| Cost of funding earning assets | 0.6087% | 1,826 |
| Net interest margin | 3.5128% | 3,731 |
| Noninterest income to average assets | 0.4686% | 3,731 |
| Noninterest expense to average assets | 2.3735% | 4,964 |
| Loan and lease loss provision to assets | 0.1449% | 1,705 |
| Net operating income to assets | 1.2544% | 1,434 |
| Return on assets (ROA) | 1.3172% | 1,305 |
| Pretax return on assets | 1.3800% | 1,970 |
| Return on Equity (ROE) | 11.9005% | 1,454 |
| Retained earnings to average equity (ytd only) | 3.1715% | 4,181 |
| Net charge-offs to loans | 0.0031% | 4,285 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 906.0000% | 72 |
| Efficiency ratio | 61.9328% | 5,021 |
| Assets per employee ($millions) | 4.7763% | 2,512 |
| Cash dividends to net income (ytd only)* | 73.3496% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2406% | 969 |
| Loan loss allowance to noncurrent loans | 97.4086% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 2,664 |
| Noncurrent loans to loans | 2.3002% | 1,410 |
| Net loans and leases to total assets | 51.5058% | 4,800 |
| Net loans and leases to deposits | 60.6493% | 4,812 |
| Net loans and leases to core deposits | 63.3350% | 4,878 |
| Total domestic deposits to total assets | 84.9240% | 3,550 |
| Equity capital to assets | 11.4958% | 2,426 |
| Core capital (leverage) ratio | 10.6735% | 2,750 |
| Tier 1 risk-based capital ratio | 13.1435% | 4,824 |
| Total risk-based capital ratio | 14.3966% | 4,754 |
| Memoranda: | ||
| Average total assets | $124,206,670 | 4,153 |
| Average earning assets | $118,937,670 | 4,036 |
| Average equity | $13,747,330 | 4,092 |
| Average total loans | $63,847,330 | 4,428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 3,311 |
| Cost of funding earning assets | 0.6116% | 1,884 |
| Net interest margin | 3.4815% | 3,779 |
| Noninterest income to average assets | 0.4251% | 3,985 |
| Noninterest expense to average assets | 2.4344% | 4,830 |
| Loan and lease loss provision to assets | 0.1449% | 1,685 |
| Net operating income to assets | 1.1272% | 1,711 |
| Return on assets (ROA) | 1.2526% | 1,397 |
| Pretax return on assets | 1.3138% | 2,050 |
| Return on Equity (ROE) | 11.5405% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.6404% | 4,492 |
| Net charge-offs to loans | 0.0063% | 3,528 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 412.0000% | 111 |
| Efficiency ratio | 64.7260% | 4,738 |
| Assets per employee ($millions) | 4.2937% | 3,351 |
| Cash dividends to net income (ytd only)* | 77.1208% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2754% | 1,063 |
| Loan loss allowance to noncurrent loans | 93.4868% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2207% | 2,821 |
| Noncurrent loans to loans | 2.4339% | 1,437 |
| Net loans and leases to total assets | 49.0130% | 4,999 |
| Net loans and leases to deposits | 55.6244% | 5,144 |
| Net loans and leases to core deposits | 57.9857% | 5,200 |
| Total domestic deposits to total assets | 88.1142% | 2,166 |
| Equity capital to assets | 11.0755% | 2,656 |
| Core capital (leverage) ratio | 10.6419% | 2,768 |
| Tier 1 risk-based capital ratio | 12.7804% | 5,137 |
| Total risk-based capital ratio | 14.0327% | 5,068 |
| Memoranda: | ||
| Average total assets | $124,218,000 | 4,191 |
| Average earning assets | $119,030,000 | 4,065 |
| Average equity | $13,483,000 | 4,154 |
| Average total loans | $63,057,000 | 4,493 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,861 |
| Cost of funding earning assets | 0.6670% | 2,056 |
| Net interest margin | 3.6585% | 3,221 |
| Noninterest income to average assets | 0.4673% | 3,981 |
| Noninterest expense to average assets | 2.3407% | 5,255 |
| Loan and lease loss provision to assets | 0.1468% | 2,458 |
| Net operating income to assets | 1.4074% | 1,007 |
| Return on assets (ROA) | 1.4322% | 995 |
| Pretax return on assets | 1.4999% | 1,450 |
| Return on Equity (ROE) | 12.7824% | 1,213 |
| Retained earnings to average equity (ytd only) | 4.0473% | 3,312 |
| Net charge-offs to loans | 0.0412% | 4,647 |
| Credit loss provision to net charge-offs | 692.3077% | 347 |
| Earnings coverage of net charge-offs (x) | 76.4231% | 568 |
| Efficiency ratio | 59.0900% | 5,592 |
| Assets per employee ($millions) | 4.2730% | 3,310 |
| Cash dividends to net income (ytd only)* | 68.3371% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 1,230 |
| Loan loss allowance to noncurrent loans | 111.8603% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9934% | 3,431 |
| Noncurrent loans to loans | 1.9336% | 2,069 |
| Net loans and leases to total assets | 50.2639% | 5,055 |
| Net loans and leases to deposits | 60.8767% | 4,845 |
| Net loans and leases to core deposits | 63.8346% | 4,885 |
| Total domestic deposits to total assets | 82.5667% | 4,694 |
| Equity capital to assets | 10.6320% | 3,000 |
| Core capital (leverage) ratio | 10.3701% | 3,060 |
| Tier 1 risk-based capital ratio | 12.3792% | 5,372 |
| Total risk-based capital ratio | 13.6296% | 5,304 |
| Memoranda: | ||
| Average total assets | $122,611,000 | 4,223 |
| Average earning assets | $117,098,400 | 4,106 |
| Average equity | $13,737,600 | 4,116 |
| Average total loans | $63,152,000 | 4,510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,861 |
| Cost of funding earning assets | 0.6707% | 2,171 |
| Net interest margin | 3.6621% | 3,189 |
| Noninterest income to average assets | 0.4503% | 4,150 |
| Noninterest expense to average assets | 2.2908% | 5,373 |
| Loan and lease loss provision to assets | 0.1472% | 2,435 |
| Net operating income to assets | 1.4388% | 1,006 |
| Return on assets (ROA) | 1.4719% | 996 |
| Pretax return on assets | 1.5417% | 1,495 |
| Return on Equity (ROE) | 12.9696% | 1,241 |
| Retained earnings to average equity (ytd only) | 4.3040% | 3,617 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0708% | 5,676 |
| Assets per employee ($millions) | 4.2877% | 3,254 |
| Cash dividends to net income (ytd only)* | 66.8148% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 1,455 |
| Loan loss allowance to noncurrent loans | 116.5665% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 3,722 |
| Noncurrent loans to loans | 1.8242% | 2,464 |
| Net loans and leases to total assets | 50.2686% | 5,111 |
| Net loans and leases to deposits | 60.5158% | 4,912 |
| Net loans and leases to core deposits | 62.9596% | 5,015 |
| Total domestic deposits to total assets | 83.0669% | 4,548 |
| Equity capital to assets | 10.6698% | 3,103 |
| Core capital (leverage) ratio | 10.3452% | 3,174 |
| Tier 1 risk-based capital ratio | 12.2346% | 5,616 |
| Total risk-based capital ratio | 13.4855% | 5,551 |
| Memoranda: | ||
| Average total assets | $122,284,250 | 4,269 |
| Average earning assets | $116,686,500 | 4,156 |
| Average equity | $13,878,250 | 4,140 |
| Average total loans | $63,024,250 | 4,553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 2,849 |
| Cost of funding earning assets | 0.6791% | 2,228 |
| Net interest margin | 3.6472% | 3,188 |
| Noninterest income to average assets | 0.4243% | 4,345 |
| Noninterest expense to average assets | 2.3092% | 5,346 |
| Loan and lease loss provision to assets | 0.1480% | 2,483 |
| Net operating income to assets | 1.3821% | 1,118 |
| Return on assets (ROA) | 1.4326% | 1,101 |
| Pretax return on assets | 1.5000% | 1,620 |
| Return on Equity (ROE) | 12.3704% | 1,383 |
| Retained earnings to average equity (ytd only) | 3.8489% | 3,849 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1407% | 5,590 |
| Assets per employee ($millions) | 4.3848% | 3,022 |
| Cash dividends to net income (ytd only)* | 68.8863% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 1,587 |
| Loan loss allowance to noncurrent loans | 116.8149% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 3,890 |
| Noncurrent loans to loans | 1.8142% | 2,626 |
| Net loans and leases to total assets | 49.3948% | 5,175 |
| Net loans and leases to deposits | 57.6332% | 5,192 |
| Net loans and leases to core deposits | 59.7637% | 5,279 |
| Total domestic deposits to total assets | 85.7054% | 3,523 |
| Equity capital to assets | 10.5136% | 3,285 |
| Core capital (leverage) ratio | 10.2646% | 3,147 |
| Tier 1 risk-based capital ratio | 12.5062% | 5,493 |
| Total risk-based capital ratio | 13.7572% | 5,434 |
| Memoranda: | ||
| Average total assets | $121,598,330 | 4,309 |
| Average earning assets | $116,033,670 | 4,201 |
| Average equity | $14,082,000 | 4,133 |
| Average total loans | $62,744,670 | 4,578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,944 |
| Cost of funding earning assets | 0.6977% | 2,239 |
| Net interest margin | 3.5886% | 3,307 |
| Noninterest income to average assets | 0.4264% | 4,276 |
| Noninterest expense to average assets | 2.3304% | 5,341 |
| Loan and lease loss provision to assets | 0.1487% | 2,393 |
| Net operating income to assets | 1.3230% | 1,220 |
| Return on assets (ROA) | 1.4214% | 1,079 |
| Pretax return on assets | 1.4842% | 1,605 |
| Return on Equity (ROE) | 11.7254% | 1,488 |
| Retained earnings to average equity (ytd only) | 3.5449% | 4,114 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3596% | 5,537 |
| Assets per employee ($millions) | 4.5597% | 2,861 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0205% | 1,986 |
| Loan loss allowance to noncurrent loans | 114.1314% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 4,060 |
| Noncurrent loans to loans | 1.7703% | 2,911 |
| Net loans and leases to total assets | 49.9456% | 5,003 |
| Net loans and leases to deposits | 57.4250% | 5,097 |
| Net loans and leases to core deposits | 60.2337% | 5,122 |
| Total domestic deposits to total assets | 86.9753% | 2,974 |
| Equity capital to assets | 11.9395% | 2,082 |
| Core capital (leverage) ratio | 10.2964% | 3,019 |
| Tier 1 risk-based capital ratio | 12.7309% | 5,416 |
| Total risk-based capital ratio | 13.9820% | 5,364 |
| Memoranda: | ||
| Average total assets | $121,010,500 | 4,374 |
| Average earning assets | $115,810,000 | 4,244 |
| Average equity | $14,669,000 | 4,060 |
| Average total loans | $63,138,500 | 4,594 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 1,698 |
| Cost of funding earning assets | 0.8247% | 2,468 |
| Net interest margin | 4.1216% | 1,915 |
| Noninterest income to average assets | 0.4583% | 4,190 |
| Noninterest expense to average assets | 2.4621% | 5,218 |
| Loan and lease loss provision to assets | 0.1568% | 3,657 |
| Net operating income to assets | 1.6486% | 691 |
| Return on assets (ROA) | 1.8348% | 541 |
| Pretax return on assets | 1.9237% | 712 |
| Return on Equity (ROE) | 15.1990% | 778 |
| Retained earnings to average equity (ytd only) | 6.5386% | 1,797 |
| Net charge-offs to loans | 0.2533% | 3,421 |
| Credit loss provision to net charge-offs | 114.6497% | 2,532 |
| Earnings coverage of net charge-offs (x) | 13.7771% | 1,790 |
| Efficiency ratio | 56.6446% | 5,989 |
| Assets per employee ($millions) | 4.2468% | 3,470 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 2,209 |
| Loan loss allowance to noncurrent loans | 103.7320% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0252% | 3,984 |
| Noncurrent loans to loans | 1.8561% | 2,852 |
| Net loans and leases to total assets | 52.3905% | 4,871 |
| Net loans and leases to deposits | 61.1991% | 4,883 |
| Net loans and leases to core deposits | 63.8557% | 4,972 |
| Total domestic deposits to total assets | 85.6066% | 3,554 |
| Equity capital to assets | 12.3111% | 1,849 |
| Core capital (leverage) ratio | 10.7585% | 2,481 |
| Tier 1 risk-based capital ratio | 12.6966% | 5,327 |
| Total risk-based capital ratio | 13.9461% | 5,269 |
| Memoranda: | ||
| Average total assets | $114,781,200 | 4,469 |
| Average earning assets | $108,282,600 | 4,389 |
| Average equity | $13,856,200 | 4,190 |
| Average total loans | $61,977,400 | 4,636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9610% | 1,801 |
| Cost of funding earning assets | 0.8530% | 2,514 |
| Net interest margin | 4.1080% | 2,063 |
| Noninterest income to average assets | 0.4677% | 4,158 |
| Noninterest expense to average assets | 2.3982% | 5,405 |
| Loan and lease loss provision to assets | 0.1582% | 3,532 |
| Net operating income to assets | 1.6834% | 708 |
| Return on assets (ROA) | 1.6879% | 780 |
| Pretax return on assets | 1.7770% | 1,106 |
| Return on Equity (ROE) | 14.0548% | 1,099 |
| Retained earnings to average equity (ytd only) | 5.2705% | 3,178 |
| Net charge-offs to loans | 0.0433% | 5,045 |
| Credit loss provision to net charge-offs | 675.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 82.3378% | 501 |
| Efficiency ratio | 55.4021% | 6,117 |
| Assets per employee ($millions) | 4.1051% | 3,672 |
| Cash dividends to net income (ytd only)* | 62.5001% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 1,727 |
| Loan loss allowance to noncurrent loans | 110.4114% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 4,105 |
| Noncurrent loans to loans | 1.9829% | 2,861 |
| Net loans and leases to total assets | 51.1123% | 5,175 |
| Net loans and leases to deposits | 60.4722% | 5,149 |
| Net loans and leases to core deposits | 63.7388% | 5,181 |
| Total domestic deposits to total assets | 84.5219% | 3,968 |
| Equity capital to assets | 12.4731% | 1,912 |
| Core capital (leverage) ratio | 10.3131% | 3,146 |
| Tier 1 risk-based capital ratio | 12.7049% | 5,474 |
| Total risk-based capital ratio | 13.9564% | 5,442 |
| Memoranda: | ||
| Average total assets | $113,749,250 | 4,551 |
| Average earning assets | $106,911,750 | 4,467 |
| Average equity | $13,660,500 | 4,272 |
| Average total loans | $61,591,750 | 4,703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 2,083 |
| Cost of funding earning assets | 0.8731% | 2,632 |
| Net interest margin | 4.0331% | 2,372 |
| Noninterest income to average assets | 0.4817% | 4,045 |
| Noninterest expense to average assets | 2.4261% | 5,363 |
| Loan and lease loss provision to assets | 0.1588% | 3,530 |
| Net operating income to assets | 1.6025% | 830 |
| Return on assets (ROA) | 1.6092% | 917 |
| Pretax return on assets | 1.6938% | 1,272 |
| Return on Equity (ROE) | 13.5765% | 1,209 |
| Retained earnings to average equity (ytd only) | 4.6446% | 3,520 |
| Net charge-offs to loans | 0.0676% | 4,483 |
| Credit loss provision to net charge-offs | 428.5714% | 688 |
| Earnings coverage of net charge-offs (x) | 49.8095% | 733 |
| Efficiency ratio | 56.7947% | 6,029 |
| Assets per employee ($millions) | 4.1071% | 3,653 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 2,131 |
| Loan loss allowance to noncurrent loans | 129.0946% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9131% | 4,542 |
| Noncurrent loans to loans | 1.5796% | 3,539 |
| Net loans and leases to total assets | 53.0114% | 4,959 |
| Net loans and leases to deposits | 62.3085% | 4,958 |
| Net loans and leases to core deposits | 65.6444% | 5,041 |
| Total domestic deposits to total assets | 85.0789% | 3,822 |
| Equity capital to assets | 11.9689% | 2,173 |
| Core capital (leverage) ratio | 10.1675% | 3,180 |
| Tier 1 risk-based capital ratio | 12.7736% | 5,359 |
| Total risk-based capital ratio | 14.0215% | 5,331 |
| Memoranda: | ||
| Average total assets | $113,351,330 | 4,582 |
| Average earning assets | $106,518,000 | 4,499 |
| Average equity | $13,435,000 | 4,311 |
| Average total loans | $62,100,670 | 4,712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 2,200 |
| Cost of funding earning assets | 0.8996% | 2,696 |
| Net interest margin | 4.0102% | 2,460 |
| Noninterest income to average assets | 0.5439% | 3,605 |
| Noninterest expense to average assets | 2.4065% | 5,454 |
| Loan and lease loss provision to assets | 0.1600% | 3,381 |
| Net operating income to assets | 1.6607% | 777 |
| Return on assets (ROA) | 1.6742% | 841 |
| Pretax return on assets | 1.7631% | 1,167 |
| Return on Equity (ROE) | 14.1969% | 1,147 |
| Retained earnings to average equity (ytd only) | 5.1543% | 3,470 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7661% | 6,149 |
| Assets per employee ($millions) | 4.1401% | 3,711 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 2,149 |
| Loan loss allowance to noncurrent loans | 84.5214% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 3,872 |
| Noncurrent loans to loans | 2.4596% | 2,651 |
| Net loans and leases to total assets | 50.5888% | 5,221 |
| Net loans and leases to deposits | 59.1623% | 5,259 |
| Net loans and leases to core deposits | 62.6117% | 5,262 |
| Total domestic deposits to total assets | 85.5085% | 3,786 |
| Equity capital to assets | 11.6189% | 2,333 |
| Core capital (leverage) ratio | 10.3174% | 2,974 |
| Tier 1 risk-based capital ratio | 12.3795% | 5,699 |
| Total risk-based capital ratio | 13.5287% | 5,738 |
| Memoranda: | ||
| Average total assets | $112,528,000 | 4,639 |
| Average earning assets | $105,830,500 | 4,550 |
| Average equity | $13,270,500 | 4,356 |
| Average total loans | $62,035,500 | 4,733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4096% | 1,397 |
| Cost of funding earning assets | 1.0945% | 2,709 |
| Net interest margin | 4.3152% | 1,651 |
| Noninterest income to average assets | 0.4045% | 4,578 |
| Noninterest expense to average assets | 2.5948% | 5,118 |
| Loan and lease loss provision to assets | 0.1686% | 4,534 |
| Net operating income to assets | 1.6341% | 627 |
| Return on assets (ROA) | 1.6350% | 673 |
| Pretax return on assets | 1.7033% | 986 |
| Return on Equity (ROE) | 14.1940% | 887 |
| Retained earnings to average equity (ytd only) | 6.0645% | 1,985 |
| Net charge-offs to loans | 0.0212% | 6,150 |
| Credit loss provision to net charge-offs | 1,285.7143% | 168 |
| Earnings coverage of net charge-offs (x) | 142.7143% | 237 |
| Efficiency ratio | 58.1044% | 6,042 |
| Assets per employee ($millions) | 4.1974% | 3,470 |
| Cash dividends to net income (ytd only)* | 57.2738% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 2,657 |
| Loan loss allowance to noncurrent loans | 115.9420% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 4,382 |
| Noncurrent loans to loans | 1.6126% | 3,739 |
| Net loans and leases to total assets | 57.7112% | 4,425 |
| Net loans and leases to deposits | 67.9806% | 4,453 |
| Net loans and leases to core deposits | 72.8427% | 4,397 |
| Total domestic deposits to total assets | 84.8937% | 3,905 |
| Equity capital to assets | 11.9780% | 2,146 |
| Core capital (leverage) ratio | 10.3400% | 2,923 |
| Tier 1 risk-based capital ratio | 12.8177% | 5,230 |
| Total risk-based capital ratio | 14.0738% | 5,203 |
| Memoranda: | ||
| Average total assets | $106,792,200 | 4,711 |
| Average earning assets | $100,506,200 | 4,629 |
| Average equity | $12,301,000 | 4,478 |
| Average total loans | $66,028,600 | 4,631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 1,481 |
| Cost of funding earning assets | 1.1276% | 2,781 |
| Net interest margin | 4.2837% | 1,780 |
| Noninterest income to average assets | 0.4080% | 4,610 |
| Noninterest expense to average assets | 2.5723% | 5,190 |
| Loan and lease loss provision to assets | 0.1695% | 4,352 |
| Net operating income to assets | 1.6333% | 728 |
| Return on assets (ROA) | 1.6345% | 797 |
| Pretax return on assets | 1.7023% | 1,145 |
| Return on Equity (ROE) | 14.3370% | 970 |
| Retained earnings to average equity (ytd only) | 6.0783% | 2,513 |
| Net charge-offs to loans | 0.0281% | 5,760 |
| Credit loss provision to net charge-offs | 964.2857% | 276 |
| Earnings coverage of net charge-offs (x) | 106.4071% | 343 |
| Efficiency ratio | 57.8977% | 6,026 |
| Assets per employee ($millions) | 4.1512% | 3,541 |
| Cash dividends to net income (ytd only)* | 57.6039% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 3,025 |
| Loan loss allowance to noncurrent loans | 115.1545% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 4,551 |
| Noncurrent loans to loans | 1.5411% | 3,970 |
| Net loans and leases to total assets | 59.2310% | 4,286 |
| Net loans and leases to deposits | 71.3896% | 4,084 |
| Net loans and leases to core deposits | 76.4479% | 4,144 |
| Total domestic deposits to total assets | 82.9686% | 4,697 |
| Equity capital to assets | 12.0217% | 2,235 |
| Core capital (leverage) ratio | 10.2386% | 3,145 |
| Tier 1 risk-based capital ratio | 12.7365% | 5,301 |
| Total risk-based capital ratio | 13.9870% | 5,281 |
| Memoranda: | ||
| Average total assets | $106,207,000 | 4,758 |
| Average earning assets | $100,035,000 | 4,673 |
| Average equity | $12,108,250 | 4,537 |
| Average total loans | $66,490,250 | 4,649 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 1,642 |
| Cost of funding earning assets | 1.1516% | 2,892 |
| Net interest margin | 4.2206% | 1,954 |
| Noninterest income to average assets | 0.3692% | 4,925 |
| Noninterest expense to average assets | 2.5693% | 5,291 |
| Loan and lease loss provision to assets | 0.1704% | 4,228 |
| Net operating income to assets | 1.5412% | 820 |
| Return on assets (ROA) | 1.5412% | 870 |
| Pretax return on assets | 1.6056% | 1,249 |
| Return on Equity (ROE) | 13.7740% | 1,024 |
| Retained earnings to average equity (ytd only) | 5.3133% | 2,797 |
| Net charge-offs to loans | 0.0119% | 5,680 |
| Credit loss provision to net charge-offs | 2,250.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 234.5000% | 154 |
| Efficiency ratio | 59.1285% | 6,008 |
| Assets per employee ($millions) | 4.1604% | 3,427 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 3,382 |
| Loan loss allowance to noncurrent loans | 131.3013% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 5,062 |
| Noncurrent loans to loans | 1.2817% | 4,518 |
| Net loans and leases to total assets | 60.4885% | 4,185 |
| Net loans and leases to deposits | 74.0052% | 3,807 |
| Net loans and leases to core deposits | 77.8959% | 4,061 |
| Total domestic deposits to total assets | 81.7354% | 5,260 |
| Equity capital to assets | 11.4800% | 2,517 |
| Core capital (leverage) ratio | 10.2777% | 2,952 |
| Tier 1 risk-based capital ratio | 12.2624% | 5,558 |
| Total risk-based capital ratio | 13.5160% | 5,540 |
| Memoranda: | ||
| Average total assets | $105,632,670 | 4,806 |
| Average earning assets | $99,512,000 | 4,718 |
| Average equity | $11,819,330 | 4,603 |
| Average total loans | $66,959,330 | 4,684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 1,799 |
| Cost of funding earning assets | 1.1938% | 2,857 |
| Net interest margin | 4.1297% | 2,156 |
| Noninterest income to average assets | 0.3948% | 4,741 |
| Noninterest expense to average assets | 2.4875% | 5,601 |
| Loan and lease loss provision to assets | 0.1725% | 3,907 |
| Net operating income to assets | 1.5676% | 744 |
| Return on assets (ROA) | 1.5676% | 786 |
| Pretax return on assets | 1.6328% | 1,120 |
| Return on Equity (ROE) | 14.2014% | 950 |
| Retained earnings to average equity (ytd only) | 5.5208% | 2,902 |
| Net charge-offs to loans | 0.0298% | 4,680 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 94.2000% | 332 |
| Efficiency ratio | 57.9464% | 6,281 |
| Assets per employee ($millions) | 4.1126% | 3,610 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 3,645 |
| Loan loss allowance to noncurrent loans | 72.4208% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 3,998 |
| Noncurrent loans to loans | 2.2403% | 3,270 |
| Net loans and leases to total assets | 60.9042% | 4,095 |
| Net loans and leases to deposits | 72.3115% | 4,021 |
| Net loans and leases to core deposits | 76.5676% | 4,227 |
| Total domestic deposits to total assets | 84.2248% | 4,399 |
| Equity capital to assets | 10.8111% | 2,867 |
| Core capital (leverage) ratio | 10.3713% | 2,738 |
| Tier 1 risk-based capital ratio | 12.3105% | 5,428 |
| Total risk-based capital ratio | 13.5346% | 5,447 |
| Memoranda: | ||
| Average total assets | $104,363,500 | 4,881 |
| Average earning assets | $98,505,500 | 4,778 |
| Average equity | $11,520,000 | 4,664 |
| Average total loans | $67,163,500 | 4,720 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7544% | 1,391 |
| Cost of funding earning assets | 1.3192% | 3,757 |
| Net interest margin | 4.4351% | 1,386 |
| Noninterest income to average assets | 0.4206% | 4,740 |
| Noninterest expense to average assets | 2.6821% | 5,074 |
| Loan and lease loss provision to assets | 0.3124% | 4,305 |
| Net operating income to assets | 1.5107% | 744 |
| Return on assets (ROA) | 1.5107% | 806 |
| Pretax return on assets | 1.5910% | 1,147 |
| Return on Equity (ROE) | 13.6174% | 961 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,623 |
| Net charge-offs to loans | 0.0061% | 6,786 |
| Credit loss provision to net charge-offs | 7,875.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 479.7500% | 44 |
| Efficiency ratio | 58.4902% | 6,279 |
| Assets per employee ($millions) | 3.9154% | 3,975 |
| Cash dividends to net income (ytd only)* | 65.6599% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,911 |
| Loan loss allowance to noncurrent loans | 83.4544% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 4,337 |
| Noncurrent loans to loans | 1.8186% | 3,794 |
| Net loans and leases to total assets | 65.9096% | 3,484 |
| Net loans and leases to deposits | 80.1031% | 3,155 |
| Net loans and leases to core deposits | 83.8700% | 3,617 |
| Total domestic deposits to total assets | 82.2809% | 5,095 |
| Equity capital to assets | 11.2770% | 2,434 |
| Core capital (leverage) ratio | 10.4487% | 2,610 |
| Tier 1 risk-based capital ratio | 12.1065% | 5,380 |
| Total risk-based capital ratio | 13.2828% | 5,424 |
| Memoranda: | ||
| Average total assets | $100,816,600 | 4,961 |
| Average earning assets | $94,676,200 | 4,874 |
| Average equity | $11,184,200 | 4,819 |
| Average total loans | $65,390,200 | 4,852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7046% | 1,694 |
| Cost of funding earning assets | 1.3286% | 4,045 |
| Net interest margin | 4.3760% | 1,595 |
| Noninterest income to average assets | 0.4189% | 4,807 |
| Noninterest expense to average assets | 2.6554% | 5,089 |
| Loan and lease loss provision to assets | 0.3579% | 3,748 |
| Net operating income to assets | 1.4344% | 1,048 |
| Return on assets (ROA) | 1.4344% | 1,116 |
| Pretax return on assets | 1.5100% | 1,588 |
| Return on Equity (ROE) | 12.9847% | 1,253 |
| Retained earnings to average equity (ytd only) | 3.9842% | 3,674 |
| Net charge-offs to loans | -0.0021% | 7,177 |
| Credit loss provision to net charge-offs | -27,000.0000% | 7,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7046% | 6,163 |
| Assets per employee ($millions) | 3.8515% | 4,146 |
| Cash dividends to net income (ytd only)* | 69.3165% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,858 |
| Loan loss allowance to noncurrent loans | 937.7358% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,757 |
| Noncurrent loans to loans | 0.1622% | 6,858 |
| Net loans and leases to total assets | 64.2503% | 4,073 |
| Net loans and leases to deposits | 77.6179% | 3,900 |
| Net loans and leases to core deposits | 80.4348% | 4,463 |
| Total domestic deposits to total assets | 82.7778% | 4,686 |
| Equity capital to assets | 11.7468% | 2,324 |
| Core capital (leverage) ratio | 10.4839% | 2,707 |
| Tier 1 risk-based capital ratio | 12.2097% | 5,257 |
| Total risk-based capital ratio | 13.3710% | 5,306 |
| Memoranda: | ||
| Average total assets | $100,570,750 | 5,030 |
| Average earning assets | $94,331,250 | 4,943 |
| Average equity | $11,110,250 | 4,895 |
| Average total loans | $64,705,250 | 4,957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 2,326 |
| Cost of funding earning assets | 1.3387% | 4,265 |
| Net interest margin | 4.2135% | 2,117 |
| Noninterest income to average assets | 0.4190% | 4,764 |
| Noninterest expense to average assets | 2.6391% | 5,167 |
| Loan and lease loss provision to assets | 0.3574% | 3,574 |
| Net operating income to assets | 1.2987% | 1,311 |
| Return on assets (ROA) | 1.2987% | 1,371 |
| Pretax return on assets | 1.3662% | 1,907 |
| Return on Equity (ROE) | 12.0081% | 1,455 |
| Retained earnings to average equity (ytd only) | 2.8276% | 4,343 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4916% | 5,963 |
| Assets per employee ($millions) | 3.8825% | 4,026 |
| Cash dividends to net income (ytd only)* | 76.4526% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,572 |
| Loan loss allowance to noncurrent loans | 564.3750% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 6,650 |
| Noncurrent loans to loans | 0.2430% | 6,748 |
| Net loans and leases to total assets | 64.3337% | 4,192 |
| Net loans and leases to deposits | 78.8234% | 3,831 |
| Net loans and leases to core deposits | 81.6930% | 4,461 |
| Total domestic deposits to total assets | 81.6175% | 5,144 |
| Equity capital to assets | 11.0388% | 2,821 |
| Core capital (leverage) ratio | 10.1713% | 2,973 |
| Tier 1 risk-based capital ratio | 11.8210% | 5,470 |
| Total risk-based capital ratio | 12.8600% | 5,628 |
| Memoranda: | ||
| Average total assets | $100,715,000 | 5,057 |
| Average earning assets | $94,267,670 | 4,979 |
| Average equity | $10,892,670 | 4,945 |
| Average total loans | $64,496,000 | 5,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 2,642 |
| Cost of funding earning assets | 1.3549% | 4,457 |
| Net interest margin | 4.1330% | 2,309 |
| Noninterest income to average assets | 0.3976% | 4,930 |
| Noninterest expense to average assets | 2.6322% | 5,223 |
| Loan and lease loss provision to assets | 0.3579% | 3,229 |
| Net operating income to assets | 1.2008% | 1,537 |
| Return on assets (ROA) | 1.2008% | 1,613 |
| Pretax return on assets | 1.2644% | 2,157 |
| Return on Equity (ROE) | 11.2189% | 1,715 |
| Retained earnings to average equity (ytd only) | 1.9317% | 4,969 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8692% | 5,857 |
| Assets per employee ($millions) | 3.8681% | 4,167 |
| Cash dividends to net income (ytd only)* | 82.7815% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 5,030 |
| Loan loss allowance to noncurrent loans | 893.4066% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 6,859 |
| Noncurrent loans to loans | 0.1437% | 7,046 |
| Net loans and leases to total assets | 62.1750% | 4,724 |
| Net loans and leases to deposits | 75.9421% | 4,428 |
| Net loans and leases to core deposits | 77.9627% | 5,023 |
| Total domestic deposits to total assets | 81.8715% | 5,125 |
| Equity capital to assets | 10.8143% | 2,941 |
| Core capital (leverage) ratio | 10.2600% | 2,859 |
| Tier 1 risk-based capital ratio | 12.7195% | 4,543 |
| Total risk-based capital ratio | 13.7362% | 4,714 |
| Memoranda: | ||
| Average total assets | $100,600,500 | 5,129 |
| Average earning assets | $93,879,500 | 5,052 |
| Average equity | $10,767,500 | 5,034 |
| Average total loans | $63,822,000 | 5,094 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6207% | 3,496 |
| Cost of funding earning assets | 1.6675% | 4,687 |
| Net interest margin | 3.9532% | 3,065 |
| Noninterest income to average assets | 0.4232% | 5,027 |
| Noninterest expense to average assets | 2.8381% | 4,804 |
| Loan and lease loss provision to assets | 0.3648% | 4,610 |
| Net operating income to assets | 0.9202% | 2,105 |
| Return on assets (ROA) | 0.9933% | 1,909 |
| Pretax return on assets | 1.0350% | 2,478 |
| Return on Equity (ROE) | 9.6305% | 1,804 |
| Retained earnings to average equity (ytd only) | 3.5672% | 2,683 |
| Net charge-offs to loans | 0.1742% | 5,558 |
| Credit loss provision to net charge-offs | 321.1009% | 1,016 |
| Earnings coverage of net charge-offs (x) | 11.6514% | 1,576 |
| Efficiency ratio | 68.1943% | 4,974 |
| Assets per employee ($millions) | 3.8704% | 4,088 |
| Cash dividends to net income (ytd only)* | 62.9591% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,783 |
| Loan loss allowance to noncurrent loans | 560.4651% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 6,233 |
| Noncurrent loans to loans | 0.2006% | 6,923 |
| Net loans and leases to total assets | 63.1800% | 4,776 |
| Net loans and leases to deposits | 78.6993% | 4,235 |
| Net loans and leases to core deposits | 89.9010% | 5,140 |
| Total domestic deposits to total assets | 80.2802% | 5,591 |
| Equity capital to assets | 10.5923% | 3,077 |
| Core capital (leverage) ratio | 10.1371% | 2,963 |
| Tier 1 risk-based capital ratio | 12.5930% | 4,450 |
| Total risk-based capital ratio | 13.4928% | 4,691 |
| Memoranda: | ||
| Average total assets | $95,944,400 | 5,205 |
| Average earning assets | $90,736,400 | 5,098 |
| Average equity | $9,895,600 | 5,323 |
| Average total loans | $62,558,200 | 5,145 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 3,730 |
| Cost of funding earning assets | 1.7333% | 4,729 |
| Net interest margin | 3.8888% | 3,271 |
| Noninterest income to average assets | 0.4164% | 5,161 |
| Noninterest expense to average assets | 2.8348% | 4,744 |
| Loan and lease loss provision to assets | 0.3658% | 4,128 |
| Net operating income to assets | 0.8730% | 2,525 |
| Return on assets (ROA) | 0.9243% | 2,401 |
| Pretax return on assets | 0.9623% | 3,015 |
| Return on Equity (ROE) | 9.0263% | 2,253 |
| Retained earnings to average equity (ytd only) | 2.8439% | 3,742 |
| Net charge-offs to loans | 0.2361% | 4,576 |
| Credit loss provision to net charge-offs | 236.3636% | 1,850 |
| Earnings coverage of net charge-offs (x) | 8.2365% | 2,284 |
| Efficiency ratio | 68.9832% | 4,790 |
| Assets per employee ($millions) | 3.7603% | 4,285 |
| Cash dividends to net income (ytd only)* | 68.4936% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 6,094 |
| Loan loss allowance to noncurrent loans | 175.0693% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 5,572 |
| Noncurrent loans to loans | 0.5901% | 6,132 |
| Net loans and leases to total assets | 61.9238% | 5,258 |
| Net loans and leases to deposits | 75.9268% | 5,062 |
| Net loans and leases to core deposits | 85.9384% | 5,874 |
| Total domestic deposits to total assets | 81.5572% | 4,851 |
| Equity capital to assets | 10.8534% | 3,159 |
| Core capital (leverage) ratio | 10.3288% | 2,949 |
| Tier 1 risk-based capital ratio | 13.0093% | 4,184 |
| Total risk-based capital ratio | 13.8338% | 4,438 |
| Memoranda: | ||
| Average total assets | $94,773,000 | 5,278 |
| Average earning assets | $89,999,000 | 5,164 |
| Average equity | $9,704,750 | 5,426 |
| Average total loans | $62,122,500 | 5,207 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 3,553 |
| Cost of funding earning assets | 1.7996% | 4,764 |
| Net interest margin | 3.8975% | 3,122 |
| Noninterest income to average assets | 0.4052% | 5,240 |
| Noninterest expense to average assets | 2.7961% | 4,977 |
| Loan and lease loss provision to assets | 0.3626% | 3,753 |
| Net operating income to assets | 0.9139% | 2,401 |
| Return on assets (ROA) | 0.9917% | 2,235 |
| Pretax return on assets | 1.0323% | 2,875 |
| Return on Equity (ROE) | 9.8908% | 2,057 |
| Retained earnings to average equity (ytd only) | 3.5096% | 3,354 |
| Net charge-offs to loans | 0.1121% | 5,040 |
| Credit loss provision to net charge-offs | 485.7143% | 953 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,470 |
| Efficiency ratio | 68.0332% | 5,155 |
| Assets per employee ($millions) | 3.6272% | 4,504 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 6,324 |
| Loan loss allowance to noncurrent loans | 88.3954% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,560 |
| Noncurrent loans to loans | 1.1197% | 4,979 |
| Net loans and leases to total assets | 65.4480% | 4,674 |
| Net loans and leases to deposits | 77.2849% | 4,978 |
| Net loans and leases to core deposits | 87.9118% | 5,734 |
| Total domestic deposits to total assets | 84.6841% | 3,401 |
| Equity capital to assets | 10.5263% | 3,370 |
| Core capital (leverage) ratio | 10.4303% | 2,874 |
| Tier 1 risk-based capital ratio | 15.1356% | 2,967 |
| Total risk-based capital ratio | 16.0760% | 3,027 |
| Memoranda: | ||
| Average total assets | $93,775,000 | 5,353 |
| Average earning assets | $89,133,000 | 5,230 |
| Average equity | $9,402,670 | 5,546 |
| Average total loans | $62,439,000 | 5,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7084% | 3,759 |
| Cost of funding earning assets | 1.8100% | 5,069 |
| Net interest margin | 3.8984% | 3,046 |
| Noninterest income to average assets | 0.4107% | 5,126 |
| Noninterest expense to average assets | 2.7334% | 4,855 |
| Loan and lease loss provision to assets | 0.3422% | 3,276 |
| Net operating income to assets | 1.0075% | 2,278 |
| Return on assets (ROA) | 1.1635% | 1,880 |
| Pretax return on assets | 1.2106% | 2,592 |
| Return on Equity (ROE) | 11.9031% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.3389% | 2,938 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2863% | 5,272 |
| Assets per employee ($millions) | 3.5880% | 4,594 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 6,727 |
| Loan loss allowance to noncurrent loans | 72.9870% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 5,114 |
| Noncurrent loans to loans | 1.2400% | 4,488 |
| Net loans and leases to total assets | 65.9624% | 4,594 |
| Net loans and leases to deposits | 77.4200% | 5,020 |
| Net loans and leases to core deposits | 87.3308% | 5,803 |
| Total domestic deposits to total assets | 85.2007% | 3,103 |
| Equity capital to assets | 10.0270% | 3,975 |
| Core capital (leverage) ratio | 10.7944% | 2,656 |
| Tier 1 risk-based capital ratio | 13.4396% | 3,904 |
| Total risk-based capital ratio | 14.2036% | 4,135 |
| Memoranda: | ||
| Average total assets | $93,509,000 | 5,387 |
| Average earning assets | $89,062,500 | 5,256 |
| Average equity | $9,140,500 | 5,641 |
| Average total loans | $62,489,000 | 5,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 6,144 |
| Cost of funding earning assets | 2.1693% | 5,733 |
| Net interest margin | 3.7092% | 4,434 |
| Noninterest income to average assets | 0.4635% | 4,934 |
| Noninterest expense to average assets | 2.4904% | 6,043 |
| Loan and lease loss provision to assets | 0.3532% | 3,570 |
| Net operating income to assets | 1.0829% | 2,215 |
| Return on assets (ROA) | 0.8793% | 2,946 |
| Pretax return on assets | 0.9207% | 3,658 |
| Return on Equity (ROE) | 9.1247% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.5206% | 3,632 |
| Net charge-offs to loans | 0.3272% | 3,219 |
| Credit loss provision to net charge-offs | 167.3367% | 3,070 |
| Earnings coverage of net charge-offs (x) | 7.0402% | 3,202 |
| Efficiency ratio | 62.6300% | 5,840 |
| Assets per employee ($millions) | 3.6050% | 4,400 |
| Cash dividends to net income (ytd only)* | 72.3764% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 7,218 |
| Loan loss allowance to noncurrent loans | 104.3290% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 5,725 |
| Noncurrent loans to loans | 0.7347% | 5,192 |
| Net loans and leases to total assets | 66.5731% | 4,739 |
| Net loans and leases to deposits | 84.3754% | 4,368 |
| Net loans and leases to core deposits | 94.5583% | 5,396 |
| Total domestic deposits to total assets | 78.9011% | 5,406 |
| Equity capital to assets | 9.5242% | 4,649 |
| Core capital (leverage) ratio | 10.4087% | 3,063 |
| Tier 1 risk-based capital ratio | 13.4492% | 3,854 |
| Total risk-based capital ratio | 14.1130% | 4,109 |
| Memoranda: | ||
| Average total assets | $94,281,000 | 5,222 |
| Average earning assets | $89,291,000 | 5,110 |
| Average equity | $9,085,200 | 5,713 |
| Average total loans | $60,813,000 | 5,226 |