Home > Iowa - Nebraska State Bank > Performance and Condition Ratios
Iowa - Nebraska State Bank, Performance and Condition Ratios
| 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 | 3.7757% | 4,490 |
| Cost of funding earning assets | 0.3554% | 4,145 |
| Net interest margin | 3.4202% | 3,945 |
| Noninterest income to average assets | 1.6734% | 358 |
| Noninterest expense to average assets | 3.5714% | 895 |
| Loan and lease loss provision to assets | -0.1888% | 5,392 |
| Net operating income to assets | 1.2832% | 1,918 |
| Return on assets (ROA) | 1.2832% | 1,919 |
| Pretax return on assets | 1.3430% | 2,457 |
| Return on Equity (ROE) | 12.9248% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.1578% | 459 |
| Net charge-offs to loans | 0.0040% | 3,315 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | 458.7749% | 202 |
| Efficiency ratio | 75.5760% | 1,401 |
| Assets per employee ($millions) | 3.4046% | 4,678 |
| Cash dividends to net income (ytd only)* | 5.9343% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,477 |
| Loan loss allowance to noncurrent loans | 171.8750% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 3,185 |
| Noncurrent loans to loans | 0.6096% | 2,558 |
| Net loans and leases to total assets | 60.5448% | 3,792 |
| Net loans and leases to deposits | 68.3794% | 4,036 |
| Net loans and leases to core deposits | 69.0168% | 4,245 |
| Total domestic deposits to total assets | 88.5425% | 1,033 |
| Equity capital to assets | 10.0215% | 3,625 |
| Core capital (leverage) ratio | 10.6514% | 2,934 |
| Tier 1 risk-based capital ratio | 12.5671% | 4,175 |
| Total risk-based capital ratio | 13.3470% | 4,338 |
| Memoranda: | ||
| Average total assets | $211,860,250 | 2,777 |
| Average earning assets | $189,065,750 | 2,858 |
| Average equity | $21,034,000 | 3,001 |
| Average total loans | $131,722,000 | 2,879 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,413 |
| Cost of funding earning assets | 0.3242% | 4,245 |
| Net interest margin | 3.4469% | 3,810 |
| Noninterest income to average assets | 1.6200% | 380 |
| Noninterest expense to average assets | 3.5586% | 918 |
| Loan and lease loss provision to assets | -0.2844% | 5,490 |
| Net operating income to assets | 1.3556% | 1,584 |
| Return on assets (ROA) | 1.3556% | 1,588 |
| Pretax return on assets | 1.4200% | 2,086 |
| Return on Equity (ROE) | 13.6971% | 1,157 |
| Retained earnings to average equity (ytd only) | 12.9404% | 390 |
| Net charge-offs to loans | 0.0030% | 3,080 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,829 |
| Earnings coverage of net charge-offs (x) | 599.0000% | 142 |
| Efficiency ratio | 75.8078% | 1,449 |
| Assets per employee ($millions) | 3.4358% | 4,678 |
| Cash dividends to net income (ytd only)* | 5.5245% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,635 |
| Loan loss allowance to noncurrent loans | 159.5597% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 3,112 |
| Noncurrent loans to loans | 0.6472% | 2,498 |
| Net loans and leases to total assets | 61.9509% | 3,607 |
| Net loans and leases to deposits | 69.9632% | 3,862 |
| Net loans and leases to core deposits | 72.9255% | 3,949 |
| Total domestic deposits to total assets | 88.5479% | 1,124 |
| Equity capital to assets | 9.9828% | 3,641 |
| Core capital (leverage) ratio | 10.3950% | 3,144 |
| Tier 1 risk-based capital ratio | 12.1169% | 4,424 |
| Total risk-based capital ratio | 12.8894% | 4,597 |
| Memoranda: | ||
| Average total assets | $210,984,000 | 2,803 |
| Average earning assets | $188,167,670 | 2,876 |
| Average equity | $20,880,330 | 3,038 |
| Average total loans | $131,883,670 | 2,890 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 4,557 |
| Cost of funding earning assets | 0.2936% | 4,398 |
| Net interest margin | 3.3718% | 3,978 |
| Noninterest income to average assets | 1.5507% | 405 |
| Noninterest expense to average assets | 3.5891% | 880 |
| Loan and lease loss provision to assets | -0.5715% | 5,581 |
| Net operating income to assets | 1.4726% | 1,139 |
| Return on assets (ROA) | 1.4726% | 1,142 |
| Pretax return on assets | 1.5526% | 1,520 |
| Return on Equity (ROE) | 14.9459% | 809 |
| Retained earnings to average equity (ytd only) | 14.2305% | 390 |
| Net charge-offs to loans | -0.0213% | 4,596 |
| Credit loss provision to net charge-offs | 4,285.7143% | 94 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5327% | 1,305 |
| Assets per employee ($millions) | 3.2677% | 4,936 |
| Cash dividends to net income (ytd only)* | 4.7865% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,650 |
| Loan loss allowance to noncurrent loans | 150.6522% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 3,107 |
| Noncurrent loans to loans | 0.6979% | 2,468 |
| Net loans and leases to total assets | 61.4087% | 3,614 |
| Net loans and leases to deposits | 69.2090% | 3,857 |
| Net loans and leases to core deposits | 71.5664% | 4,000 |
| Total domestic deposits to total assets | 88.7293% | 1,247 |
| Equity capital to assets | 9.8060% | 3,788 |
| Core capital (leverage) ratio | 10.3073% | 3,184 |
| Tier 1 risk-based capital ratio | 11.9631% | 4,568 |
| Total risk-based capital ratio | 12.7528% | 4,756 |
| Memoranda: | ||
| Average total assets | $209,967,500 | 2,848 |
| Average earning assets | $188,030,000 | 2,905 |
| Average equity | $20,688,000 | 3,088 |
| Average total loans | $131,154,000 | 2,920 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,566 |
| Cost of funding earning assets | 0.2698% | 4,397 |
| Net interest margin | 3.3348% | 4,056 |
| Noninterest income to average assets | 1.7621% | 360 |
| Noninterest expense to average assets | 3.6775% | 818 |
| Loan and lease loss provision to assets | -0.0735% | 5,436 |
| Net operating income to assets | 1.0704% | 1,975 |
| Return on assets (ROA) | 1.0751% | 1,978 |
| Pretax return on assets | 1.1251% | 3,086 |
| Return on Equity (ROE) | 10.7215% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.2155% | 3,377 |
| Net charge-offs to loans | 0.0200% | 3,438 |
| Credit loss provision to net charge-offs | -600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | 85.4400% | 731 |
| Efficiency ratio | 77.8446% | 1,373 |
| Assets per employee ($millions) | 3.1928% | 5,037 |
| Cash dividends to net income (ytd only)* | 70.0091% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,283 |
| Loan loss allowance to noncurrent loans | 171.5015% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 2,872 |
| Noncurrent loans to loans | 0.7502% | 2,328 |
| Net loans and leases to total assets | 62.0671% | 3,615 |
| Net loans and leases to deposits | 71.2852% | 3,762 |
| Net loans and leases to core deposits | 74.6713% | 3,831 |
| Total domestic deposits to total assets | 87.0687% | 1,960 |
| Equity capital to assets | 9.9010% | 3,817 |
| Core capital (leverage) ratio | 9.8559% | 3,628 |
| Tier 1 risk-based capital ratio | 11.7670% | 4,677 |
| Total risk-based capital ratio | 12.7385% | 4,752 |
| Memoranda: | ||
| Average total assets | $204,079,400 | 2,886 |
| Average earning assets | $181,271,800 | 2,950 |
| Average equity | $20,463,600 | 3,088 |
| Average total loans | $124,991,400 | 2,990 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,691 |
| Cost of funding earning assets | 0.2621% | 4,464 |
| Net interest margin | 3.2881% | 4,205 |
| Noninterest income to average assets | 1.7183% | 388 |
| Noninterest expense to average assets | 3.6886% | 780 |
| Loan and lease loss provision to assets | -0.0656% | 5,542 |
| Net operating income to assets | 0.9616% | 2,718 |
| Return on assets (ROA) | 0.9704% | 2,742 |
| Pretax return on assets | 1.0183% | 3,615 |
| Return on Equity (ROE) | 9.6463% | 2,284 |
| Retained earnings to average equity (ytd only) | 5.7265% | 2,416 |
| Net charge-offs to loans | 0.0313% | 2,803 |
| Credit loss provision to net charge-offs | -344.8276% | 4,724 |
| Earnings coverage of net charge-offs (x) | 49.5808% | 1,120 |
| Efficiency ratio | 79.6317% | 1,151 |
| Assets per employee ($millions) | 3.1782% | 5,097 |
| Cash dividends to net income (ytd only)* | 40.6354% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 2,054 |
| Loan loss allowance to noncurrent loans | 147.6884% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 2,833 |
| Noncurrent loans to loans | 0.9246% | 2,077 |
| Net loans and leases to total assets | 60.3180% | 3,823 |
| Net loans and leases to deposits | 68.7040% | 4,067 |
| Net loans and leases to core deposits | 71.7858% | 4,149 |
| Total domestic deposits to total assets | 87.7941% | 1,472 |
| Equity capital to assets | 10.1980% | 3,695 |
| Core capital (leverage) ratio | 10.2627% | 3,243 |
| Tier 1 risk-based capital ratio | 12.2652% | 4,460 |
| Total risk-based capital ratio | 13.2942% | 4,475 |
| Memoranda: | ||
| Average total assets | $203,215,500 | 2,918 |
| Average earning assets | $180,076,750 | 2,992 |
| Average equity | $20,442,500 | 3,111 |
| Average total loans | $123,616,750 | 3,035 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,673 |
| Cost of funding earning assets | 0.2688% | 4,380 |
| Net interest margin | 3.2647% | 4,223 |
| Noninterest income to average assets | 1.7002% | 399 |
| Noninterest expense to average assets | 3.6735% | 801 |
| Loan and lease loss provision to assets | -0.0990% | 5,643 |
| Net operating income to assets | 0.9764% | 2,545 |
| Return on assets (ROA) | 0.9906% | 2,520 |
| Pretax return on assets | 1.0371% | 3,419 |
| Return on Equity (ROE) | 9.8941% | 2,083 |
| Retained earnings to average equity (ytd only) | 4.2996% | 3,147 |
| Net charge-offs to loans | -0.0489% | 5,163 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9139% | 1,215 |
| Assets per employee ($millions) | 3.0798% | 5,204 |
| Cash dividends to net income (ytd only)* | 56.5435% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,744 |
| Loan loss allowance to noncurrent loans | 167.9849% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 2,999 |
| Noncurrent loans to loans | 0.8659% | 2,247 |
| Net loans and leases to total assets | 60.3766% | 3,810 |
| Net loans and leases to deposits | 68.9241% | 3,998 |
| Net loans and leases to core deposits | 71.4865% | 4,126 |
| Total domestic deposits to total assets | 87.5988% | 1,663 |
| Equity capital to assets | 10.2423% | 3,628 |
| Core capital (leverage) ratio | 10.0392% | 3,490 |
| Tier 1 risk-based capital ratio | 12.3130% | 4,416 |
| Total risk-based capital ratio | 13.4041% | 4,406 |
| Memoranda: | ||
| Average total assets | $202,094,000 | 2,944 |
| Average earning assets | $179,313,670 | 3,011 |
| Average equity | $20,234,330 | 3,133 |
| Average total loans | $122,712,330 | 3,052 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 4,836 |
| Cost of funding earning assets | 0.2690% | 4,366 |
| Net interest margin | 3.1772% | 4,413 |
| Noninterest income to average assets | 1.5957% | 435 |
| Noninterest expense to average assets | 3.7095% | 769 |
| Loan and lease loss provision to assets | -0.0985% | 5,749 |
| Net operating income to assets | 0.7567% | 3,448 |
| Return on assets (ROA) | 0.7604% | 3,478 |
| Pretax return on assets | 0.8038% | 4,098 |
| Return on Equity (ROE) | 7.6818% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.0649% | 1,822 |
| Net charge-offs to loans | -0.0750% | 5,353 |
| Credit loss provision to net charge-offs | 217.3913% | 959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1000% | 963 |
| Assets per employee ($millions) | 3.3147% | 5,029 |
| Cash dividends to net income (ytd only)* | 8.0311% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,778 |
| Loan loss allowance to noncurrent loans | 174.5698% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 3,212 |
| Noncurrent loans to loans | 0.8455% | 2,344 |
| Net loans and leases to total assets | 58.3667% | 3,941 |
| Net loans and leases to deposits | 66.9462% | 4,095 |
| Net loans and leases to core deposits | 69.2596% | 4,201 |
| Total domestic deposits to total assets | 87.1844% | 2,118 |
| Equity capital to assets | 9.7269% | 4,040 |
| Core capital (leverage) ratio | 10.1486% | 3,313 |
| Tier 1 risk-based capital ratio | 12.1213% | 4,638 |
| Total risk-based capital ratio | 13.2246% | 4,636 |
| Memoranda: | ||
| Average total assets | $203,046,000 | 2,960 |
| Average earning assets | $179,908,000 | 3,037 |
| Average equity | $20,099,500 | 3,158 |
| Average total loans | $122,742,500 | 3,077 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 4,883 |
| Cost of funding earning assets | 0.2852% | 4,211 |
| Net interest margin | 3.1675% | 4,542 |
| Noninterest income to average assets | 2.0992% | 328 |
| Noninterest expense to average assets | 3.7719% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0879% | 1,944 |
| Return on assets (ROA) | 1.1465% | 1,802 |
| Pretax return on assets | 1.1927% | 2,704 |
| Return on Equity (ROE) | 12.1010% | 1,208 |
| Retained earnings to average equity (ytd only) | 7.4261% | 1,068 |
| Net charge-offs to loans | 0.1105% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.1752% | 2,066 |
| Efficiency ratio | 76.9223% | 1,861 |
| Assets per employee ($millions) | 3.1818% | 5,172 |
| Cash dividends to net income (ytd only)* | 38.6326% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,590 |
| Loan loss allowance to noncurrent loans | 153.6040% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 2,895 |
| Noncurrent loans to loans | 0.9912% | 2,110 |
| Net loans and leases to total assets | 60.7911% | 3,763 |
| Net loans and leases to deposits | 70.2321% | 3,881 |
| Net loans and leases to core deposits | 73.9014% | 3,933 |
| Total domestic deposits to total assets | 86.5574% | 2,349 |
| Equity capital to assets | 10.0812% | 3,632 |
| Core capital (leverage) ratio | 9.9821% | 3,500 |
| Tier 1 risk-based capital ratio | 12.2368% | 4,547 |
| Total risk-based capital ratio | 13.3874% | 4,509 |
| Memoranda: | ||
| Average total assets | $207,932,600 | 2,879 |
| Average earning assets | $184,086,000 | 2,969 |
| Average equity | $19,700,800 | 3,199 |
| Average total loans | $124,034,200 | 3,010 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 4,934 |
| Cost of funding earning assets | 0.2850% | 4,253 |
| Net interest margin | 3.1568% | 4,618 |
| Noninterest income to average assets | 2.1848% | 314 |
| Noninterest expense to average assets | 3.7214% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2192% | 1,570 |
| Return on assets (ROA) | 1.2972% | 1,401 |
| Pretax return on assets | 1.3422% | 2,263 |
| Return on Equity (ROE) | 13.8999% | 844 |
| Retained earnings to average equity (ytd only) | 13.2894% | 207 |
| Net charge-offs to loans | 0.1423% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.9849% | 2,210 |
| Efficiency ratio | 74.6792% | 2,161 |
| Assets per employee ($millions) | 3.0797% | 5,309 |
| Cash dividends to net income (ytd only)* | 4.3925% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,678 |
| Loan loss allowance to noncurrent loans | 190.5641% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 3,492 |
| Noncurrent loans to loans | 0.7998% | 2,667 |
| Net loans and leases to total assets | 59.9701% | 3,882 |
| Net loans and leases to deposits | 69.9436% | 3,995 |
| Net loans and leases to core deposits | 71.4527% | 4,209 |
| Total domestic deposits to total assets | 85.7407% | 2,486 |
| Equity capital to assets | 10.5941% | 3,461 |
| Core capital (leverage) ratio | 10.3549% | 3,149 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,276 |
| Total risk-based capital ratio | 13.9801% | 4,236 |
| Memoranda: | ||
| Average total assets | $210,598,500 | 2,860 |
| Average earning assets | $186,684,500 | 2,947 |
| Average equity | $19,654,250 | 3,226 |
| Average total loans | $124,598,750 | 3,007 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 5,008 |
| Cost of funding earning assets | 0.2888% | 4,258 |
| Net interest margin | 3.1491% | 4,693 |
| Noninterest income to average assets | 1.5761% | 488 |
| Noninterest expense to average assets | 3.6175% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7069% | 3,755 |
| Return on assets (ROA) | 0.7895% | 3,505 |
| Pretax return on assets | 0.8380% | 4,164 |
| Return on Equity (ROE) | 8.8312% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.2146% | 1,104 |
| Net charge-offs to loans | 0.2104% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.0833% | 2,784 |
| Efficiency ratio | 82.8235% | 1,173 |
| Assets per employee ($millions) | 3.2977% | 5,069 |
| Cash dividends to net income (ytd only)* | 6.9822% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,947 |
| Loan loss allowance to noncurrent loans | 179.6135% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 3,602 |
| Noncurrent loans to loans | 0.8235% | 2,684 |
| Net loans and leases to total assets | 57.7672% | 4,139 |
| Net loans and leases to deposits | 66.2990% | 4,327 |
| Net loans and leases to core deposits | 67.6967% | 4,498 |
| Total domestic deposits to total assets | 87.1313% | 1,849 |
| Equity capital to assets | 9.4201% | 4,852 |
| Core capital (leverage) ratio | 9.0567% | 4,766 |
| Tier 1 risk-based capital ratio | 11.8005% | 4,970 |
| Total risk-based capital ratio | 12.9522% | 4,925 |
| Memoranda: | ||
| Average total assets | $214,072,000 | 2,841 |
| Average earning assets | $189,768,000 | 2,931 |
| Average equity | $19,136,670 | 3,282 |
| Average total loans | $125,496,670 | 3,006 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 5,185 |
| Cost of funding earning assets | 0.2913% | 4,266 |
| Net interest margin | 3.0802% | 4,918 |
| Noninterest income to average assets | 1.4360% | 546 |
| Noninterest expense to average assets | 3.6049% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5113% | 4,585 |
| Return on assets (ROA) | 0.6282% | 4,182 |
| Pretax return on assets | 0.6862% | 4,570 |
| Return on Equity (ROE) | 7.2223% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.5990% | 2,083 |
| Net charge-offs to loans | 0.2520% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.7848% | 2,499 |
| Efficiency ratio | 86.5739% | 920 |
| Assets per employee ($millions) | 3.1338% | 5,359 |
| Cash dividends to net income (ytd only)* | 8.6310% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,867 |
| Loan loss allowance to noncurrent loans | 86.6334% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0357% | 2,139 |
| Noncurrent loans to loans | 1.7628% | 1,256 |
| Net loans and leases to total assets | 57.8554% | 4,058 |
| Net loans and leases to deposits | 66.0362% | 4,249 |
| Net loans and leases to core deposits | 67.2065% | 4,456 |
| Total domestic deposits to total assets | 87.6116% | 1,859 |
| Equity capital to assets | 8.8970% | 5,269 |
| Core capital (leverage) ratio | 8.6720% | 5,207 |
| Tier 1 risk-based capital ratio | 11.4050% | 5,278 |
| Total risk-based capital ratio | 12.5993% | 5,217 |
| Memoranda: | ||
| Average total assets | $213,933,000 | 2,844 |
| Average earning assets | $189,466,000 | 2,936 |
| Average equity | $18,609,000 | 3,357 |
| Average total loans | $125,403,500 | 3,006 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2918% | 5,359 |
| Cost of funding earning assets | 0.2769% | 4,514 |
| Net interest margin | 3.0149% | 5,104 |
| Noninterest income to average assets | 1.5198% | 541 |
| Noninterest expense to average assets | 3.6464% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5219% | 4,610 |
| Return on assets (ROA) | 0.5637% | 4,538 |
| Pretax return on assets | 0.6006% | 4,837 |
| Return on Equity (ROE) | 6.5470% | 3,755 |
| Retained earnings to average equity (ytd only) | 3.2076% | 3,773 |
| Net charge-offs to loans | 0.4346% | 638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.2747% | 3,937 |
| Efficiency ratio | 86.7672% | 933 |
| Assets per employee ($millions) | 3.1584% | 5,338 |
| Cash dividends to net income (ytd only)* | 51.0067% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,661 |
| Loan loss allowance to noncurrent loans | 76.7245% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2083% | 1,793 |
| Noncurrent loans to loans | 2.0660% | 1,000 |
| Net loans and leases to total assets | 57.5576% | 4,142 |
| Net loans and leases to deposits | 65.9097% | 4,324 |
| Net loans and leases to core deposits | 67.1255% | 4,499 |
| Total domestic deposits to total assets | 87.3279% | 1,968 |
| Equity capital to assets | 8.5016% | 5,561 |
| Core capital (leverage) ratio | 8.5839% | 5,347 |
| Tier 1 risk-based capital ratio | 11.1380% | 5,447 |
| Total risk-based capital ratio | 12.3723% | 5,360 |
| Memoranda: | ||
| Average total assets | $211,471,600 | 2,830 |
| Average earning assets | $188,163,400 | 2,912 |
| Average equity | $18,206,800 | 3,354 |
| Average total loans | $118,965,400 | 3,064 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 5,436 |
| Cost of funding earning assets | 0.2780% | 4,585 |
| Net interest margin | 3.0063% | 5,174 |
| Noninterest income to average assets | 1.5121% | 544 |
| Noninterest expense to average assets | 3.6724% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4885% | 4,833 |
| Return on assets (ROA) | 0.5209% | 4,809 |
| Pretax return on assets | 0.5576% | 5,077 |
| Return on Equity (ROE) | 6.0312% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.4376% | 2,619 |
| Net charge-offs to loans | -0.0227% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5377% | 884 |
| Assets per employee ($millions) | 3.1193% | 5,407 |
| Cash dividends to net income (ytd only)* | 9.8423% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 810 |
| Loan loss allowance to noncurrent loans | 63.9838% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.9391% | 1,072 |
| Noncurrent loans to loans | 3.2447% | 512 |
| Net loans and leases to total assets | 56.2158% | 4,329 |
| Net loans and leases to deposits | 66.3681% | 4,350 |
| Net loans and leases to core deposits | 67.4196% | 4,588 |
| Total domestic deposits to total assets | 84.7030% | 3,128 |
| Equity capital to assets | 8.8759% | 5,421 |
| Core capital (leverage) ratio | 8.5494% | 5,516 |
| Tier 1 risk-based capital ratio | 11.6636% | 5,289 |
| Total risk-based capital ratio | 12.9183% | 5,209 |
| Memoranda: | ||
| Average total assets | $210,646,750 | 2,858 |
| Average earning assets | $188,002,000 | 2,936 |
| Average equity | $18,193,750 | 3,382 |
| Average total loans | $117,304,750 | 3,115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2690% | 5,498 |
| Cost of funding earning assets | 0.2768% | 4,647 |
| Net interest margin | 2.9922% | 5,245 |
| Noninterest income to average assets | 1.4722% | 588 |
| Noninterest expense to average assets | 3.6810% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4225% | 5,075 |
| Return on assets (ROA) | 0.4720% | 4,979 |
| Pretax return on assets | 0.5091% | 5,198 |
| Return on Equity (ROE) | 5.5164% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.9158% | 2,909 |
| Net charge-offs to loans | -0.0224% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9809% | 827 |
| Assets per employee ($millions) | 3.1588% | 5,399 |
| Cash dividends to net income (ytd only)* | 10.8871% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 828 |
| Loan loss allowance to noncurrent loans | 95.2399% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 1,868 |
| Noncurrent loans to loans | 2.2263% | 1,074 |
| Net loans and leases to total assets | 54.9889% | 4,458 |
| Net loans and leases to deposits | 65.2325% | 4,412 |
| Net loans and leases to core deposits | 66.2707% | 4,632 |
| Total domestic deposits to total assets | 84.2968% | 3,448 |
| Equity capital to assets | 8.5641% | 5,626 |
| Core capital (leverage) ratio | 8.4120% | 5,622 |
| Tier 1 risk-based capital ratio | 11.8349% | 5,256 |
| Total risk-based capital ratio | 13.0912% | 5,150 |
| Memoranda: | ||
| Average total assets | $210,158,000 | 2,886 |
| Average earning assets | $187,151,670 | 2,959 |
| Average equity | $17,982,670 | 3,425 |
| Average total loans | $115,816,670 | 3,158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 5,644 |
| Cost of funding earning assets | 0.2754% | 4,722 |
| Net interest margin | 2.9279% | 5,389 |
| Noninterest income to average assets | 1.3657% | 623 |
| Noninterest expense to average assets | 3.6520% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2819% | 5,475 |
| Return on assets (ROA) | 0.3266% | 5,428 |
| Pretax return on assets | 0.3629% | 5,508 |
| Return on Equity (ROE) | 3.8188% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.2381% | 4,047 |
| Net charge-offs to loans | -0.0140% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1002% | 708 |
| Assets per employee ($millions) | 3.1470% | 5,483 |
| Cash dividends to net income (ytd only)* | 15.2047% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2044% | 803 |
| Loan loss allowance to noncurrent loans | 491.5851% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 4,668 |
| Noncurrent loans to loans | 0.4484% | 4,243 |
| Net loans and leases to total assets | 52.0755% | 4,654 |
| Net loans and leases to deposits | 59.2596% | 4,805 |
| Net loans and leases to core deposits | 60.3158% | 4,971 |
| Total domestic deposits to total assets | 87.8769% | 1,895 |
| Equity capital to assets | 8.5258% | 5,722 |
| Core capital (leverage) ratio | 8.3104% | 5,716 |
| Tier 1 risk-based capital ratio | 12.1344% | 5,160 |
| Total risk-based capital ratio | 13.3901% | 5,061 |
| Memoranda: | ||
| Average total assets | $209,417,500 | 2,917 |
| Average earning assets | $185,934,500 | 2,986 |
| Average equity | $17,911,500 | 3,459 |
| Average total loans | $114,275,500 | 3,194 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 5,758 |
| Cost of funding earning assets | 0.3135% | 4,645 |
| Net interest margin | 2.9488% | 5,553 |
| Noninterest income to average assets | 1.5508% | 518 |
| Noninterest expense to average assets | 3.6354% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4656% | 4,942 |
| Return on assets (ROA) | 0.5235% | 4,800 |
| Pretax return on assets | 0.5706% | 5,029 |
| Return on Equity (ROE) | 6.1538% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.1795% | 4,691 |
| Net charge-offs to loans | 0.1427% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.8267% | 3,133 |
| Efficiency ratio | 87.7468% | 1,013 |
| Assets per employee ($millions) | 3.0123% | 5,679 |
| Cash dividends to net income (ytd only)* | 64.5833% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1885% | 835 |
| Loan loss allowance to noncurrent loans | 523.5908% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 4,727 |
| Noncurrent loans to loans | 0.4180% | 4,391 |
| Net loans and leases to total assets | 54.7218% | 4,488 |
| Net loans and leases to deposits | 64.5946% | 4,467 |
| Net loans and leases to core deposits | 65.6313% | 4,696 |
| Total domestic deposits to total assets | 84.7157% | 3,410 |
| Equity capital to assets | 8.5814% | 5,658 |
| Core capital (leverage) ratio | 8.7382% | 5,308 |
| Tier 1 risk-based capital ratio | 12.9103% | 4,787 |
| Total risk-based capital ratio | 14.1678% | 4,702 |
| Memoranda: | ||
| Average total assets | $201,708,200 | 2,965 |
| Average earning assets | $177,325,400 | 3,074 |
| Average equity | $17,160,200 | 3,503 |
| Average total loans | $105,147,200 | 3,321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 5,858 |
| Cost of funding earning assets | 0.3172% | 4,702 |
| Net interest margin | 2.9209% | 5,658 |
| Noninterest income to average assets | 1.5276% | 538 |
| Noninterest expense to average assets | 3.6649% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3865% | 5,295 |
| Return on assets (ROA) | 0.4127% | 5,277 |
| Pretax return on assets | 0.4585% | 5,440 |
| Return on Equity (ROE) | 4.8623% | 4,789 |
| Retained earnings to average equity (ytd only) | 2.0794% | 5,009 |
| Net charge-offs to loans | 0.2088% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.0187% | 3,547 |
| Efficiency ratio | 89.5138% | 878 |
| Assets per employee ($millions) | 3.0301% | 5,697 |
| Cash dividends to net income (ytd only)* | 57.2343% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 772 |
| Loan loss allowance to noncurrent loans | 403.5541% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 4,714 |
| Noncurrent loans to loans | 0.5848% | 4,170 |
| Net loans and leases to total assets | 50.9073% | 4,904 |
| Net loans and leases to deposits | 58.4866% | 5,064 |
| Net loans and leases to core deposits | 59.6932% | 5,216 |
| Total domestic deposits to total assets | 87.0411% | 2,299 |
| Equity capital to assets | 8.5909% | 5,733 |
| Core capital (leverage) ratio | 8.6868% | 5,455 |
| Tier 1 risk-based capital ratio | 13.6145% | 4,466 |
| Total risk-based capital ratio | 14.8734% | 4,400 |
| Memoranda: | ||
| Average total assets | $200,925,750 | 3,004 |
| Average earning assets | $176,559,000 | 3,110 |
| Average equity | $17,055,750 | 3,538 |
| Average total loans | $102,784,250 | 3,393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2072% | 5,938 |
| Cost of funding earning assets | 0.3204% | 4,751 |
| Net interest margin | 2.8868% | 5,755 |
| Noninterest income to average assets | 1.4873% | 553 |
| Noninterest expense to average assets | 3.6488% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3178% | 5,506 |
| Return on assets (ROA) | 0.3556% | 5,459 |
| Pretax return on assets | 0.4115% | 5,525 |
| Return on Equity (ROE) | 4.2062% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.7959% | 4,991 |
| Net charge-offs to loans | 0.3341% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.1647% | 3,618 |
| Efficiency ratio | 90.8480% | 844 |
| Assets per employee ($millions) | 2.9521% | 5,816 |
| Cash dividends to net income (ytd only)* | 57.3034% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 736 |
| Loan loss allowance to noncurrent loans | 440.3540% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 4,877 |
| Noncurrent loans to loans | 0.5628% | 4,331 |
| Net loans and leases to total assets | 48.7736% | 5,108 |
| Net loans and leases to deposits | 55.8213% | 5,201 |
| Net loans and leases to core deposits | 56.4873% | 5,379 |
| Total domestic deposits to total assets | 87.3745% | 2,264 |
| Equity capital to assets | 8.6962% | 5,616 |
| Core capital (leverage) ratio | 8.6274% | 5,501 |
| Tier 1 risk-based capital ratio | 14.1016% | 4,194 |
| Total risk-based capital ratio | 15.3613% | 4,119 |
| Memoranda: | ||
| Average total assets | $200,228,330 | 3,033 |
| Average earning assets | $175,418,000 | 3,138 |
| Average equity | $16,927,330 | 3,552 |
| Average total loans | $101,762,670 | 3,420 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1606% | 6,054 |
| Cost of funding earning assets | 0.3211% | 4,848 |
| Net interest margin | 2.8395% | 5,865 |
| Noninterest income to average assets | 1.4562% | 554 |
| Noninterest expense to average assets | 3.5525% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3077% | 5,465 |
| Return on assets (ROA) | 0.3320% | 5,437 |
| Pretax return on assets | 0.4101% | 5,423 |
| Return on Equity (ROE) | 3.9850% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.3368% | 4,126 |
| Net charge-offs to loans | 0.0195% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 909 |
| Efficiency ratio | 90.3357% | 1,005 |
| Assets per employee ($millions) | 2.8841% | 5,996 |
| Cash dividends to net income (ytd only)* | 16.2651% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6646% | 663 |
| Loan loss allowance to noncurrent loans | 357.2005% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 4,563 |
| Noncurrent loans to loans | 0.7460% | 4,000 |
| Net loans and leases to total assets | 48.0204% | 5,128 |
| Net loans and leases to deposits | 54.8011% | 5,210 |
| Net loans and leases to core deposits | 55.4801% | 5,393 |
| Total domestic deposits to total assets | 87.6267% | 2,441 |
| Equity capital to assets | 8.4300% | 5,713 |
| Core capital (leverage) ratio | 8.6996% | 5,380 |
| Tier 1 risk-based capital ratio | 14.4015% | 4,064 |
| Total risk-based capital ratio | 15.6642% | 4,014 |
| Memoranda: | ||
| Average total assets | $199,970,500 | 3,048 |
| Average earning assets | $174,395,500 | 3,169 |
| Average equity | $16,662,500 | 3,594 |
| Average total loans | $102,445,000 | 3,419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 6,096 |
| Cost of funding earning assets | 0.3625% | 5,026 |
| Net interest margin | 2.8724% | 5,845 |
| Noninterest income to average assets | 1.4429% | 664 |
| Noninterest expense to average assets | 3.5412% | 1,565 |
| Loan and lease loss provision to assets | -0.0617% | 6,413 |
| Net operating income to assets | 0.4460% | 4,972 |
| Return on assets (ROA) | 0.5770% | 4,487 |
| Pretax return on assets | 0.6115% | 4,841 |
| Return on Equity (ROE) | 6.8720% | 3,636 |
| Retained earnings to average equity (ytd only) | 2.7182% | 4,306 |
| Net charge-offs to loans | 0.0281% | 4,865 |
| Credit loss provision to net charge-offs | -446.4286% | 6,121 |
| Earnings coverage of net charge-offs (x) | 29.6786% | 1,198 |
| Efficiency ratio | 89.6125% | 1,058 |
| Assets per employee ($millions) | 2.8293% | 6,067 |
| Cash dividends to net income (ytd only)* | 60.4452% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5254% | 805 |
| Loan loss allowance to noncurrent loans | 355.9572% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 4,518 |
| Noncurrent loans to loans | 0.7095% | 4,193 |
| Net loans and leases to total assets | 51.8192% | 4,880 |
| Net loans and leases to deposits | 59.9117% | 4,945 |
| Net loans and leases to core deposits | 60.9442% | 5,148 |
| Total domestic deposits to total assets | 86.4926% | 2,992 |
| Equity capital to assets | 8.2331% | 5,840 |
| Core capital (leverage) ratio | 8.8650% | 5,191 |
| Tier 1 risk-based capital ratio | 13.7971% | 4,442 |
| Total risk-based capital ratio | 15.0582% | 4,381 |
| Memoranda: | ||
| Average total assets | $202,443,200 | 3,008 |
| Average earning assets | $176,818,800 | 3,118 |
| Average equity | $16,996,400 | 3,566 |
| Average total loans | $99,768,200 | 3,450 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2166% | 6,175 |
| Cost of funding earning assets | 0.3716% | 5,082 |
| Net interest margin | 2.8450% | 5,929 |
| Noninterest income to average assets | 1.4392% | 712 |
| Noninterest expense to average assets | 3.5347% | 1,536 |
| Loan and lease loss provision to assets | -0.0819% | 6,598 |
| Net operating income to assets | 0.4481% | 5,031 |
| Return on assets (ROA) | 0.6125% | 4,422 |
| Pretax return on assets | 0.6485% | 4,859 |
| Return on Equity (ROE) | 7.2610% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.9295% | 3,898 |
| Net charge-offs to loans | 0.0163% | 4,802 |
| Credit loss provision to net charge-offs | -1,041.6667% | 6,194 |
| Earnings coverage of net charge-offs (x) | 49.8319% | 866 |
| Efficiency ratio | 90.0234% | 989 |
| Assets per employee ($millions) | 2.7846% | 6,183 |
| Cash dividends to net income (ytd only)* | 45.8825% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6323% | 808 |
| Loan loss allowance to noncurrent loans | 327.0171% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 4,563 |
| Noncurrent loans to loans | 0.8049% | 4,229 |
| Net loans and leases to total assets | 50.7637% | 5,037 |
| Net loans and leases to deposits | 58.1377% | 5,174 |
| Net loans and leases to core deposits | 58.5567% | 5,403 |
| Total domestic deposits to total assets | 87.3163% | 2,497 |
| Equity capital to assets | 8.5302% | 5,704 |
| Core capital (leverage) ratio | 8.7143% | 5,515 |
| Tier 1 risk-based capital ratio | 14.3954% | 4,150 |
| Total risk-based capital ratio | 15.6711% | 4,086 |
| Memoranda: | ||
| Average total assets | $203,540,500 | 3,016 |
| Average earning assets | $177,947,000 | 3,128 |
| Average equity | $17,169,000 | 3,579 |
| Average total loans | $98,388,000 | 3,515 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 6,264 |
| Cost of funding earning assets | 0.3841% | 5,093 |
| Net interest margin | 2.7874% | 6,031 |
| Noninterest income to average assets | 1.3885% | 811 |
| Noninterest expense to average assets | 3.5027% | 1,602 |
| Loan and lease loss provision to assets | -0.1211% | 6,728 |
| Net operating income to assets | 0.4023% | 5,211 |
| Return on assets (ROA) | 0.4137% | 5,329 |
| Pretax return on assets | 0.4525% | 5,512 |
| Return on Equity (ROE) | 4.9223% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.1701% | 4,296 |
| Net charge-offs to loans | 0.0021% | 4,882 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 155 |
| Efficiency ratio | 91.6582% | 916 |
| Assets per employee ($millions) | 2.9443% | 5,941 |
| Cash dividends to net income (ytd only)* | 35.5972% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7592% | 746 |
| Loan loss allowance to noncurrent loans | 409.9237% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 4,937 |
| Noncurrent loans to loans | 0.6731% | 4,590 |
| Net loans and leases to total assets | 46.5771% | 5,468 |
| Net loans and leases to deposits | 53.6170% | 5,548 |
| Net loans and leases to core deposits | 53.9887% | 5,756 |
| Total domestic deposits to total assets | 86.8700% | 2,897 |
| Equity capital to assets | 7.9489% | 6,233 |
| Core capital (leverage) ratio | 8.3609% | 5,811 |
| Tier 1 risk-based capital ratio | 14.5034% | 4,093 |
| Total risk-based capital ratio | 15.7747% | 4,056 |
| Memoranda: | ||
| Average total assets | $206,414,330 | 2,986 |
| Average earning assets | $180,170,330 | 3,109 |
| Average equity | $17,349,670 | 3,569 |
| Average total loans | $97,309,670 | 3,559 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 6,281 |
| Cost of funding earning assets | 0.4378% | 4,726 |
| Net interest margin | 2.7773% | 6,079 |
| Noninterest income to average assets | 1.3593% | 835 |
| Noninterest expense to average assets | 3.6204% | 1,382 |
| Loan and lease loss provision to assets | -0.2403% | 6,907 |
| Net operating income to assets | 0.3465% | 5,368 |
| Return on assets (ROA) | 0.3499% | 5,495 |
| Pretax return on assets | 0.3980% | 5,566 |
| Return on Equity (ROE) | 4.0557% | 5,065 |
| Retained earnings to average equity (ytd only) | 4.0557% | 3,797 |
| Net charge-offs to loans | 0.0164% | 3,828 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,833 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,198 |
| Efficiency ratio | 95.9246% | 736 |
| Assets per employee ($millions) | 3.0001% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8834% | 744 |
| Loan loss allowance to noncurrent loans | 532.3413% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 5,166 |
| Noncurrent loans to loans | 0.5417% | 5,094 |
| Net loans and leases to total assets | 43.0306% | 5,758 |
| Net loans and leases to deposits | 48.6058% | 5,877 |
| Net loans and leases to core deposits | 48.9240% | 6,036 |
| Total domestic deposits to total assets | 88.5297% | 1,983 |
| Equity capital to assets | 8.5832% | 5,935 |
| Core capital (leverage) ratio | 8.1181% | 6,030 |
| Tier 1 risk-based capital ratio | 15.0496% | 3,800 |
| Total risk-based capital ratio | 16.3147% | 3,747 |
| Memoranda: | ||
| Average total assets | $208,041,500 | 2,997 |
| Average earning assets | $180,895,500 | 3,133 |
| Average equity | $17,950,000 | 3,530 |
| Average total loans | $97,309,000 | 3,583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 5,911 |
| Cost of funding earning assets | 0.7082% | 3,434 |
| Net interest margin | 3.0579% | 5,910 |
| Noninterest income to average assets | 1.4496% | 747 |
| Noninterest expense to average assets | 3.5763% | 1,668 |
| Loan and lease loss provision to assets | 0.1239% | 4,065 |
| Net operating income to assets | 0.3822% | 5,170 |
| Return on assets (ROA) | 0.4110% | 5,312 |
| Pretax return on assets | 0.4338% | 5,468 |
| Return on Equity (ROE) | 4.7793% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.7793% | 2,864 |
| Net charge-offs to loans | 0.3153% | 3,063 |
| Credit loss provision to net charge-offs | 75.9878% | 3,972 |
| Earnings coverage of net charge-offs (x) | 3.2340% | 3,813 |
| Efficiency ratio | 87.1467% | 1,317 |
| Assets per employee ($millions) | 2.8622% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7676% | 855 |
| Loan loss allowance to noncurrent loans | 452.6570% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 5,079 |
| Noncurrent loans to loans | 0.6114% | 4,983 |
| Net loans and leases to total assets | 47.9224% | 5,424 |
| Net loans and leases to deposits | 56.6510% | 5,374 |
| Net loans and leases to core deposits | 57.0404% | 5,629 |
| Total domestic deposits to total assets | 84.5923% | 4,044 |
| Equity capital to assets | 8.6739% | 5,876 |
| Core capital (leverage) ratio | 8.2529% | 5,940 |
| Tier 1 risk-based capital ratio | 13.9632% | 4,402 |
| Total risk-based capital ratio | 15.2342% | 4,357 |
| Memoranda: | ||
| Average total assets | $201,714,200 | 3,017 |
| Average earning assets | $175,085,000 | 3,162 |
| Average equity | $17,345,800 | 3,568 |
| Average total loans | $104,341,200 | 3,415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8325% | 5,945 |
| Cost of funding earning assets | 0.7549% | 3,309 |
| Net interest margin | 3.0777% | 5,987 |
| Noninterest income to average assets | 1.4521% | 709 |
| Noninterest expense to average assets | 3.6180% | 1,526 |
| Loan and lease loss provision to assets | 0.1595% | 3,523 |
| Net operating income to assets | 0.3262% | 5,519 |
| Return on assets (ROA) | 0.3349% | 5,694 |
| Pretax return on assets | 0.3555% | 5,824 |
| Return on Equity (ROE) | 3.9038% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.9038% | 4,139 |
| Net charge-offs to loans | 0.1295% | 4,082 |
| Credit loss provision to net charge-offs | 235.2941% | 1,178 |
| Earnings coverage of net charge-offs (x) | 7.4606% | 2,602 |
| Efficiency ratio | 87.7357% | 1,224 |
| Assets per employee ($millions) | 2.8550% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9798% | 728 |
| Loan loss allowance to noncurrent loans | 258.8034% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 4,515 |
| Noncurrent loans to loans | 1.1514% | 4,137 |
| Net loans and leases to total assets | 47.9624% | 5,553 |
| Net loans and leases to deposits | 56.8767% | 5,546 |
| Net loans and leases to core deposits | 57.2755% | 5,783 |
| Total domestic deposits to total assets | 84.3270% | 4,065 |
| Equity capital to assets | 8.6482% | 6,144 |
| Core capital (leverage) ratio | 8.1571% | 6,182 |
| Tier 1 risk-based capital ratio | 13.7896% | 4,692 |
| Total risk-based capital ratio | 15.0633% | 4,639 |
| Memoranda: | ||
| Average total assets | $200,623,000 | 3,066 |
| Average earning assets | $174,154,000 | 3,208 |
| Average equity | $17,213,500 | 3,621 |
| Average total loans | $105,034,250 | 3,432 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 5,972 |
| Cost of funding earning assets | 0.8291% | 2,961 |
| Net interest margin | 3.0458% | 6,132 |
| Noninterest income to average assets | 1.4826% | 662 |
| Noninterest expense to average assets | 3.6185% | 1,545 |
| Loan and lease loss provision to assets | 0.2010% | 3,066 |
| Net operating income to assets | 0.2784% | 5,675 |
| Return on assets (ROA) | 0.2915% | 5,851 |
| Pretax return on assets | 0.3136% | 5,939 |
| Return on Equity (ROE) | 3.4066% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.4066% | 4,331 |
| Net charge-offs to loans | 0.1017% | 4,141 |
| Credit loss provision to net charge-offs | 370.3704% | 800 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,194 |
| Efficiency ratio | 87.8477% | 1,246 |
| Assets per employee ($millions) | 2.7923% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9688% | 808 |
| Loan loss allowance to noncurrent loans | 164.0194% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 3,904 |
| Noncurrent loans to loans | 1.8100% | 3,198 |
| Net loans and leases to total assets | 49.3559% | 5,437 |
| Net loans and leases to deposits | 58.5576% | 5,391 |
| Net loans and leases to core deposits | 58.9756% | 5,695 |
| Total domestic deposits to total assets | 84.2860% | 4,201 |
| Equity capital to assets | 8.5578% | 6,156 |
| Core capital (leverage) ratio | 8.0047% | 6,271 |
| Tier 1 risk-based capital ratio | 13.4553% | 4,867 |
| Total risk-based capital ratio | 14.7285% | 4,803 |
| Memoranda: | ||
| Average total assets | $198,978,330 | 3,092 |
| Average earning assets | $172,234,670 | 3,240 |
| Average equity | $17,025,670 | 3,640 |
| Average total loans | $106,173,000 | 3,425 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 5,835 |
| Cost of funding earning assets | 0.8986% | 2,704 |
| Net interest margin | 3.0797% | 6,109 |
| Noninterest income to average assets | 1.4469% | 690 |
| Noninterest expense to average assets | 3.4393% | 1,918 |
| Loan and lease loss provision to assets | 0.3031% | 2,073 |
| Net operating income to assets | 0.3394% | 5,518 |
| Return on assets (ROA) | 0.3658% | 5,585 |
| Pretax return on assets | 0.3920% | 5,745 |
| Return on Equity (ROE) | 4.2749% | 5,150 |
| Retained earnings to average equity (ytd only) | 4.2749% | 4,024 |
| Net charge-offs to loans | 0.1628% | 3,113 |
| Credit loss provision to net charge-offs | 340.9091% | 888 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,066 |
| Efficiency ratio | 83.7598% | 1,713 |
| Assets per employee ($millions) | 2.8730% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9255% | 892 |
| Loan loss allowance to noncurrent loans | 234.9804% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 4,441 |
| Noncurrent loans to loans | 1.2450% | 4,258 |
| Net loans and leases to total assets | 49.4331% | 5,383 |
| Net loans and leases to deposits | 59.9776% | 5,149 |
| Net loans and leases to core deposits | 60.4127% | 5,493 |
| Total domestic deposits to total assets | 82.4194% | 5,153 |
| Equity capital to assets | 8.4412% | 6,133 |
| Core capital (leverage) ratio | 8.0590% | 6,201 |
| Tier 1 risk-based capital ratio | 13.4031% | 4,896 |
| Total risk-based capital ratio | 14.6758% | 4,873 |
| Memoranda: | ||
| Average total assets | $197,945,500 | 3,133 |
| Average earning assets | $170,923,500 | 3,274 |
| Average equity | $16,936,000 | 3,659 |
| Average total loans | $108,128,000 | 3,405 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 5,460 |
| Cost of funding earning assets | 1.1380% | 2,423 |
| Net interest margin | 3.2534% | 5,945 |
| Noninterest income to average assets | 1.3981% | 660 |
| Noninterest expense to average assets | 3.5878% | 1,767 |
| Loan and lease loss provision to assets | 0.4556% | 2,320 |
| Net operating income to assets | 0.1954% | 5,604 |
| Return on assets (ROA) | 0.2440% | 5,588 |
| Pretax return on assets | 0.2440% | 5,681 |
| Return on Equity (ROE) | 2.9781% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.9781% | 4,115 |
| Net charge-offs to loans | 0.7708% | 2,225 |
| Credit loss provision to net charge-offs | 98.4683% | 3,649 |
| Earnings coverage of net charge-offs (x) | 1.4070% | 4,716 |
| Efficiency ratio | 84.6429% | 1,696 |
| Assets per employee ($millions) | 2.7053% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 1,266 |
| Loan loss allowance to noncurrent loans | 218.1132% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 4,462 |
| Noncurrent loans to loans | 1.1639% | 4,423 |
| Net loans and leases to total assets | 56.9639% | 4,551 |
| Net loans and leases to deposits | 71.8125% | 3,823 |
| Net loans and leases to core deposits | 72.3736% | 4,457 |
| Total domestic deposits to total assets | 79.3231% | 5,909 |
| Equity capital to assets | 8.6743% | 5,931 |
| Core capital (leverage) ratio | 8.1908% | 6,018 |
| Tier 1 risk-based capital ratio | 12.2418% | 5,650 |
| Total risk-based capital ratio | 13.5086% | 5,612 |
| Memoranda: | ||
| Average total assets | $197,555,800 | 3,081 |
| Average earning assets | $172,495,000 | 3,192 |
| Average equity | $16,184,800 | 3,691 |
| Average total loans | $118,577,800 | 3,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 5,583 |
| Cost of funding earning assets | 1.1605% | 2,566 |
| Net interest margin | 3.2470% | 6,024 |
| Noninterest income to average assets | 1.3067% | 766 |
| Noninterest expense to average assets | 3.5006% | 1,934 |
| Loan and lease loss provision to assets | 0.5044% | 1,962 |
| Net operating income to assets | 0.1412% | 5,859 |
| Return on assets (ROA) | 0.1412% | 5,985 |
| Pretax return on assets | 0.1412% | 6,022 |
| Return on Equity (ROE) | 1.7492% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.7492% | 5,270 |
| Net charge-offs to loans | 0.8617% | 1,843 |
| Credit loss provision to net charge-offs | 96.8992% | 3,534 |
| Earnings coverage of net charge-offs (x) | 1.2403% | 4,686 |
| Efficiency ratio | 84.4282% | 1,693 |
| Assets per employee ($millions) | 2.9214% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4209% | 1,505 |
| Loan loss allowance to noncurrent loans | 130.7308% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 3,545 |
| Noncurrent loans to loans | 1.8519% | 3,565 |
| Net loans and leases to total assets | 58.4340% | 4,429 |
| Net loans and leases to deposits | 75.1111% | 3,490 |
| Net loans and leases to core deposits | 75.6945% | 4,228 |
| Total domestic deposits to total assets | 77.7967% | 6,227 |
| Equity capital to assets | 8.4679% | 6,328 |
| Core capital (leverage) ratio | 7.9522% | 6,439 |
| Tier 1 risk-based capital ratio | 11.5669% | 6,199 |
| Total risk-based capital ratio | 12.8340% | 6,179 |
| Memoranda: | ||
| Average total assets | $198,249,000 | 3,093 |
| Average earning assets | $173,366,000 | 3,192 |
| Average equity | $16,007,000 | 3,738 |
| Average total loans | $119,760,750 | 3,206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 5,795 |
| Cost of funding earning assets | 1.1824% | 2,693 |
| Net interest margin | 3.1858% | 6,210 |
| Noninterest income to average assets | 1.3235% | 720 |
| Noninterest expense to average assets | 3.4485% | 2,120 |
| Loan and lease loss provision to assets | 0.6108% | 1,569 |
| Net operating income to assets | 0.0575% | 6,100 |
| Return on assets (ROA) | 0.0575% | 6,180 |
| Pretax return on assets | 0.0575% | 6,173 |
| Return on Equity (ROE) | 0.7245% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.7245% | 5,566 |
| Net charge-offs to loans | 0.9764% | 1,609 |
| Credit loss provision to net charge-offs | 103.2423% | 2,993 |
| Earnings coverage of net charge-offs (x) | 1.1297% | 4,428 |
| Efficiency ratio | 83.7666% | 1,844 |
| Assets per employee ($millions) | 2.9188% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4973% | 1,450 |
| Loan loss allowance to noncurrent loans | 60.7692% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.8950% | 2,324 |
| Noncurrent loans to loans | 4.1095% | 1,668 |
| Net loans and leases to total assets | 57.4977% | 4,723 |
| Net loans and leases to deposits | 72.7369% | 3,991 |
| Net loans and leases to core deposits | 73.2886% | 4,673 |
| Total domestic deposits to total assets | 79.0489% | 6,076 |
| Equity capital to assets | 8.1897% | 6,526 |
| Core capital (leverage) ratio | 7.6195% | 6,652 |
| Tier 1 risk-based capital ratio | 11.4605% | 6,194 |
| Total risk-based capital ratio | 12.7254% | 6,172 |
| Memoranda: | ||
| Average total assets | $198,113,670 | 3,120 |
| Average earning assets | $173,708,000 | 3,206 |
| Average equity | $15,735,330 | 3,779 |
| Average total loans | $120,027,000 | 3,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 5,867 |
| Cost of funding earning assets | 1.2228% | 2,668 |
| Net interest margin | 3.1238% | 6,280 |
| Noninterest income to average assets | 1.1054% | 1,071 |
| Noninterest expense to average assets | 3.3830% | 2,325 |
| Loan and lease loss provision to assets | 0.7174% | 1,181 |
| Net operating income to assets | -0.2587% | 6,616 |
| Return on assets (ROA) | -0.2587% | 6,629 |
| Pretax return on assets | -0.2587% | 6,585 |
| Return on Equity (ROE) | -3.3085% | 6,689 |
| Retained earnings to average equity (ytd only) | -3.3085% | 6,333 |
| Net charge-offs to loans | 1.3035% | 1,062 |
| Credit loss provision to net charge-offs | 89.6465% | 2,946 |
| Earnings coverage of net charge-offs (x) | 0.5732% | 4,192 |
| Efficiency ratio | 88.0589% | 1,511 |
| Assets per employee ($millions) | 3.0087% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 1,517 |
| Loan loss allowance to noncurrent loans | 52.1027% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.9439% | 2,349 |
| Noncurrent loans to loans | 4.7241% | 1,461 |
| Net loans and leases to total assets | 55.4335% | 5,088 |
| Net loans and leases to deposits | 69.2188% | 4,487 |
| Net loans and leases to core deposits | 69.9666% | 5,047 |
| Total domestic deposits to total assets | 80.0844% | 5,926 |
| Equity capital to assets | 7.5374% | 6,852 |
| Core capital (leverage) ratio | 7.5604% | 6,689 |
| Tier 1 risk-based capital ratio | 11.2663% | 6,291 |
| Total risk-based capital ratio | 12.5336% | 6,252 |
| Memoranda: | ||
| Average total assets | $197,930,000 | 3,145 |
| Average earning assets | $173,377,000 | 3,247 |
| Average equity | $15,475,500 | 3,817 |
| Average total loans | $121,518,000 | 3,227 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 4,860 |
| Cost of funding earning assets | 1.5845% | 2,164 |
| Net interest margin | 3.3500% | 5,793 |
| Noninterest income to average assets | 1.1010% | 1,223 |
| Noninterest expense to average assets | 3.5331% | 2,090 |
| Loan and lease loss provision to assets | 1.5343% | 960 |
| Net operating income to assets | -1.0453% | 6,709 |
| Return on assets (ROA) | -1.0057% | 6,725 |
| Pretax return on assets | -1.0011% | 6,640 |
| Return on Equity (ROE) | -11.9344% | 6,811 |
| Retained earnings to average equity (ytd only) | -11.9344% | 6,759 |
| Net charge-offs to loans | 1.7098% | 1,264 |
| Credit loss provision to net charge-offs | 135.3540% | 2,870 |
| Earnings coverage of net charge-offs (x) | 0.4354% | 5,674 |
| Efficiency ratio | 87.7429% | 1,501 |
| Assets per employee ($millions) | 2.6939% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2909% | 1,710 |
| Loan loss allowance to noncurrent loans | 43.2014% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.9620% | 1,716 |
| Noncurrent loans to loans | 5.3029% | 1,251 |
| Net loans and leases to total assets | 64.7561% | 3,721 |
| Net loans and leases to deposits | 82.3402% | 2,740 |
| Net loans and leases to core deposits | 83.1222% | 3,731 |
| Total domestic deposits to total assets | 78.6445% | 6,182 |
| Equity capital to assets | 8.1195% | 6,359 |
| Core capital (leverage) ratio | 7.8185% | 6,417 |
| Tier 1 risk-based capital ratio | 10.5907% | 6,644 |
| Total risk-based capital ratio | 11.8555% | 6,604 |
| Memoranda: | ||
| Average total assets | $199,372,000 | 3,111 |
| Average earning assets | $174,120,400 | 3,204 |
| Average equity | $16,800,200 | 3,631 |
| Average total loans | $132,176,200 | 3,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 5,014 |
| Cost of funding earning assets | 1.6481% | 2,116 |
| Net interest margin | 3.3075% | 5,994 |
| Noninterest income to average assets | 1.0983% | 1,171 |
| Noninterest expense to average assets | 3.5332% | 1,953 |
| Loan and lease loss provision to assets | 1.7027% | 750 |
| Net operating income to assets | -1.2519% | 7,001 |
| Return on assets (ROA) | -1.1996% | 7,018 |
| Pretax return on assets | -1.1956% | 6,941 |
| Return on Equity (ROE) | -14.1137% | 7,075 |
| Retained earnings to average equity (ytd only) | -14.1137% | 7,043 |
| Net charge-offs to loans | 1.7144% | 1,140 |
| Credit loss provision to net charge-offs | 149.7962% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.4001% | 5,625 |
| Efficiency ratio | 88.5956% | 1,401 |
| Assets per employee ($millions) | 2.7949% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 1,660 |
| Loan loss allowance to noncurrent loans | 62.2634% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.9545% | 2,454 |
| Noncurrent loans to loans | 3.6518% | 2,140 |
| Net loans and leases to total assets | 64.1121% | 4,099 |
| Net loans and leases to deposits | 82.4524% | 3,022 |
| Net loans and leases to core deposits | 82.9215% | 4,096 |
| Total domestic deposits to total assets | 77.7565% | 6,306 |
| Equity capital to assets | 8.1355% | 6,684 |
| Core capital (leverage) ratio | 7.8744% | 6,490 |
| Tier 1 risk-based capital ratio | 10.8269% | 6,522 |
| Total risk-based capital ratio | 12.0929% | 6,489 |
| Memoranda: | ||
| Average total assets | $201,398,250 | 3,118 |
| Average earning assets | $175,958,750 | 3,214 |
| Average equity | $17,117,750 | 3,618 |
| Average total loans | $133,530,000 | 3,107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 5,090 |
| Cost of funding earning assets | 1.7159% | 2,039 |
| Net interest margin | 3.2528% | 6,160 |
| Noninterest income to average assets | 0.9309% | 1,580 |
| Noninterest expense to average assets | 3.4785% | 2,073 |
| Loan and lease loss provision to assets | 0.9279% | 1,575 |
| Net operating income to assets | -0.6433% | 6,771 |
| Return on assets (ROA) | -0.6433% | 6,798 |
| Pretax return on assets | -0.6374% | 6,689 |
| Return on Equity (ROE) | -7.4646% | 6,864 |
| Retained earnings to average equity (ytd only) | -7.4646% | 6,776 |
| Net charge-offs to loans | 1.4081% | 1,354 |
| Credit loss provision to net charge-offs | 99.0506% | 4,147 |
| Earnings coverage of net charge-offs (x) | 0.3101% | 5,415 |
| Efficiency ratio | 92.2916% | 1,171 |
| Assets per employee ($millions) | 2.8432% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 3,416 |
| Loan loss allowance to noncurrent loans | 39.0389% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.2755% | 2,149 |
| Noncurrent loans to loans | 4.1160% | 1,820 |
| Net loans and leases to total assets | 64.4869% | 4,162 |
| Net loans and leases to deposits | 84.5883% | 2,774 |
| Net loans and leases to core deposits | 85.8627% | 3,854 |
| Total domestic deposits to total assets | 76.2362% | 6,639 |
| Equity capital to assets | 8.6733% | 5,914 |
| Core capital (leverage) ratio | 8.2281% | 5,897 |
| Tier 1 risk-based capital ratio | 11.4379% | 5,837 |
| Total risk-based capital ratio | 12.6968% | 5,796 |
| Memoranda: | ||
| Average total assets | $202,384,330 | 3,130 |
| Average earning assets | $176,585,000 | 3,237 |
| Average equity | $17,442,330 | 3,560 |
| Average total loans | $134,645,330 | 3,108 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 5,541 |
| Cost of funding earning assets | 1.7266% | 2,258 |
| Net interest margin | 3.1582% | 6,424 |
| Noninterest income to average assets | 1.1565% | 926 |
| Noninterest expense to average assets | 3.4381% | 2,133 |
| Loan and lease loss provision to assets | 1.0467% | 1,180 |
| Net operating income to assets | -0.5861% | 6,886 |
| Return on assets (ROA) | -0.5861% | 6,920 |
| Pretax return on assets | -0.5782% | 6,835 |
| Return on Equity (ROE) | -6.8216% | 6,979 |
| Retained earnings to average equity (ytd only) | -6.8216% | 6,719 |
| Net charge-offs to loans | 2.6677% | 608 |
| Credit loss provision to net charge-offs | 58.5526% | 4,329 |
| Earnings coverage of net charge-offs (x) | 0.2621% | 4,812 |
| Efficiency ratio | 88.0080% | 1,585 |
| Assets per employee ($millions) | 2.9058% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,980 |
| Loan loss allowance to noncurrent loans | 33.5863% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 3.3706% | 2,104 |
| Noncurrent loans to loans | 3.8438% | 2,063 |
| Net loans and leases to total assets | 63.9664% | 4,338 |
| Net loans and leases to deposits | 86.3464% | 2,523 |
| Net loans and leases to core deposits | 88.7677% | 3,525 |
| Total domestic deposits to total assets | 74.0811% | 7,038 |
| Equity capital to assets | 8.4231% | 6,122 |
| Core capital (leverage) ratio | 8.3373% | 5,675 |
| Tier 1 risk-based capital ratio | 11.2426% | 5,907 |
| Total risk-based capital ratio | 12.3715% | 6,009 |
| Memoranda: | ||
| Average total assets | $204,064,000 | 3,165 |
| Average earning assets | $177,693,500 | 3,287 |
| Average equity | $17,532,500 | 3,562 |
| Average total loans | $136,747,500 | 3,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 4,272 |
| Cost of funding earning assets | 1.9588% | 3,166 |
| Net interest margin | 3.5191% | 4,873 |
| Noninterest income to average assets | 1.1365% | 1,194 |
| Noninterest expense to average assets | 3.6457% | 2,045 |
| Loan and lease loss provision to assets | 0.5529% | 3,607 |
| Net operating income to assets | 0.0337% | 5,385 |
| Return on assets (ROA) | 0.0779% | 5,312 |
| Pretax return on assets | 0.0779% | 5,262 |
| Return on Equity (ROE) | 0.9105% | 5,257 |
| Retained earnings to average equity (ytd only) | 0.3260% | 4,727 |
| Net charge-offs to loans | 1.2534% | 1,971 |
| Credit loss provision to net charge-offs | 61.9612% | 6,619 |
| Earnings coverage of net charge-offs (x) | 0.6573% | 5,435 |
| Efficiency ratio | 86.1411% | 2,096 |
| Assets per employee ($millions) | 2.8425% | 6,578 |
| Cash dividends to net income (ytd only)* | 64.1975% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,691 |
| Loan loss allowance to noncurrent loans | 69.5178% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.4121% | 2,884 |
| Noncurrent loans to loans | 2.1660% | 3,434 |
| Net loans and leases to total assets | 68.2273% | 3,653 |
| Net loans and leases to deposits | 93.8181% | 1,614 |
| Net loans and leases to core deposits | 103.2801% | 3,652 |
| Total domestic deposits to total assets | 72.7230% | 7,182 |
| Equity capital to assets | 8.7640% | 5,494 |
| Core capital (leverage) ratio | 8.5152% | 5,257 |
| Tier 1 risk-based capital ratio | 10.8866% | 6,024 |
| Total risk-based capital ratio | 12.1430% | 5,997 |
| Memoranda: | ||
| Average total assets | $207,998,200 | 3,080 |
| Average earning assets | $182,972,800 | 3,181 |
| Average equity | $17,791,800 | 3,533 |
| Average total loans | $148,072,600 | 2,953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 4,653 |
| Cost of funding earning assets | 1.9888% | 3,418 |
| Net interest margin | 3.4676% | 5,002 |
| Noninterest income to average assets | 1.0142% | 1,550 |
| Noninterest expense to average assets | 3.7108% | 1,798 |
| Loan and lease loss provision to assets | 0.3970% | 3,934 |
| Net operating income to assets | -0.0503% | 5,804 |
| Return on assets (ROA) | -0.0528% | 5,856 |
| Pretax return on assets | -0.0331% | 5,758 |
| Return on Equity (ROE) | -0.6211% | 5,873 |
| Retained earnings to average equity (ytd only) | -1.3993% | 5,585 |
| Net charge-offs to loans | 0.9839% | 2,002 |
| Credit loss provision to net charge-offs | 56.3177% | 6,224 |
| Earnings coverage of net charge-offs (x) | 0.5199% | 5,510 |
| Efficiency ratio | 91.0112% | 1,608 |
| Assets per employee ($millions) | 2.8824% | 6,454 |
| Cash dividends to net income (ytd only)* | -125.3027% | 8,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 2,952 |
| Loan loss allowance to noncurrent loans | 59.5445% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8087% | 2,470 |
| Noncurrent loans to loans | 2.7023% | 2,807 |
| Net loans and leases to total assets | 69.5286% | 3,610 |
| Net loans and leases to deposits | 96.1549% | 1,554 |
| Net loans and leases to core deposits | 107.7268% | 3,502 |
| Total domestic deposits to total assets | 72.3090% | 7,170 |
| Equity capital to assets | 8.6713% | 6,003 |
| Core capital (leverage) ratio | 8.3782% | 5,692 |
| Tier 1 risk-based capital ratio | 10.4425% | 6,537 |
| Total risk-based capital ratio | 11.7004% | 6,470 |
| Memoranda: | ||
| Average total assets | $209,544,000 | 3,093 |
| Average earning assets | $185,099,750 | 3,179 |
| Average equity | $17,818,000 | 3,558 |
| Average total loans | $150,141,250 | 2,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 4,634 |
| Cost of funding earning assets | 2.0065% | 3,741 |
| Net interest margin | 3.4937% | 4,825 |
| Noninterest income to average assets | 1.0891% | 1,348 |
| Noninterest expense to average assets | 3.6908% | 1,859 |
| Loan and lease loss provision to assets | 0.1894% | 5,145 |
| Net operating income to assets | 0.2753% | 4,994 |
| Return on assets (ROA) | 0.2718% | 5,108 |
| Pretax return on assets | 0.2955% | 5,226 |
| Return on Equity (ROE) | 3.2171% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.3876% | 4,004 |
| Net charge-offs to loans | 0.8343% | 2,023 |
| Credit loss provision to net charge-offs | 31.5457% | 6,014 |
| Earnings coverage of net charge-offs (x) | 0.8139% | 4,924 |
| Efficiency ratio | 88.3073% | 1,975 |
| Assets per employee ($millions) | 2.9201% | 6,332 |
| Cash dividends to net income (ytd only)* | 25.7840% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 2,589 |
| Loan loss allowance to noncurrent loans | 51.2174% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.9480% | 2,164 |
| Noncurrent loans to loans | 3.1948% | 2,233 |
| Net loans and leases to total assets | 68.9196% | 3,968 |
| Net loans and leases to deposits | 95.0452% | 1,945 |
| Net loans and leases to core deposits | 107.8895% | 3,625 |
| Total domestic deposits to total assets | 72.5124% | 7,183 |
| Equity capital to assets | 8.6471% | 5,825 |
| Core capital (leverage) ratio | 8.3750% | 5,667 |
| Tier 1 risk-based capital ratio | 10.9642% | 5,912 |
| Total risk-based capital ratio | 12.2227% | 5,836 |
| Memoranda: | ||
| Average total assets | $211,175,000 | 3,096 |
| Average earning assets | $186,795,000 | 3,184 |
| Average equity | $17,842,000 | 3,572 |
| Average total loans | $151,982,330 | 2,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 4,914 |
| Cost of funding earning assets | 2.0386% | 3,931 |
| Net interest margin | 3.4606% | 4,894 |
| Noninterest income to average assets | 1.1131% | 1,196 |
| Noninterest expense to average assets | 3.5214% | 2,045 |
| Loan and lease loss provision to assets | 0.2816% | 3,708 |
| Net operating income to assets | 0.3371% | 5,132 |
| Return on assets (ROA) | 0.3304% | 5,349 |
| Pretax return on assets | 0.3679% | 5,487 |
| Return on Equity (ROE) | 3.9553% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.0788% | 4,164 |
| Net charge-offs to loans | 0.3940% | 2,519 |
| Credit loss provision to net charge-offs | 98.0392% | 3,840 |
| Earnings coverage of net charge-offs (x) | 2.2876% | 3,591 |
| Efficiency ratio | 84.2767% | 2,275 |
| Assets per employee ($millions) | 3.0204% | 6,101 |
| Cash dividends to net income (ytd only)* | 22.1591% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 1,738 |
| Loan loss allowance to noncurrent loans | 60.0128% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.8058% | 2,029 |
| Noncurrent loans to loans | 3.0849% | 2,098 |
| Net loans and leases to total assets | 69.4182% | 3,816 |
| Net loans and leases to deposits | 94.3833% | 2,211 |
| Net loans and leases to core deposits | 109.4482% | 3,504 |
| Total domestic deposits to total assets | 73.5493% | 6,958 |
| Equity capital to assets | 8.3414% | 6,325 |
| Core capital (leverage) ratio | 8.1914% | 6,125 |
| Tier 1 risk-based capital ratio | 10.5734% | 6,317 |
| Total risk-based capital ratio | 11.8325% | 6,229 |
| Memoranda: | ||
| Average total assets | $213,097,500 | 3,081 |
| Average earning assets | $188,754,500 | 3,171 |
| Average equity | $17,799,000 | 3,593 |
| Average total loans | $155,339,500 | 2,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3539% | 3,675 |
| Cost of funding earning assets | 2.5919% | 3,720 |
| Net interest margin | 3.7620% | 4,172 |
| Noninterest income to average assets | 0.9835% | 1,631 |
| Noninterest expense to average assets | 3.2724% | 3,065 |
| Loan and lease loss provision to assets | 0.4170% | 3,200 |
| Net operating income to assets | 0.4799% | 4,830 |
| Return on assets (ROA) | 0.1191% | 5,900 |
| Pretax return on assets | 0.1448% | 5,853 |
| Return on Equity (ROE) | 1.4421% | 5,787 |
| Retained earnings to average equity (ytd only) | -2.1882% | 5,922 |
| Net charge-offs to loans | 0.2730% | 3,581 |
| Credit loss provision to net charge-offs | 205.6689% | 2,360 |
| Earnings coverage of net charge-offs (x) | 4.9410% | 3,806 |
| Efficiency ratio | 76.5598% | 3,144 |
| Assets per employee ($millions) | 3.0250% | 6,001 |
| Cash dividends to net income (ytd only)* | 251.7375% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 1,715 |
| Loan loss allowance to noncurrent loans | 44.5483% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 3.6383% | 1,207 |
| Noncurrent loans to loans | 3.9684% | 1,246 |
| Net loans and leases to total assets | 73.7644% | 3,166 |
| Net loans and leases to deposits | 100.6055% | 1,768 |
| Net loans and leases to core deposits | 117.9001% | 2,901 |
| Total domestic deposits to total assets | 73.3205% | 6,771 |
| Equity capital to assets | 8.3638% | 6,319 |
| Core capital (leverage) ratio | 8.0080% | 6,476 |
| Tier 1 risk-based capital ratio | 10.0665% | 6,667 |
| Total risk-based capital ratio | 11.3267% | 6,530 |
| Memoranda: | ||
| Average total assets | $217,484,400 | 2,906 |
| Average earning assets | $190,245,400 | 3,035 |
| Average equity | $17,959,600 | 3,564 |
| Average total loans | $161,539,000 | 2,750 |