Home > Iowa State Bank > Performance and Condition Ratios
Iowa State Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7828% | 1,338 |
| Cost of funding earning assets | 2.4279% | 1,122 |
| Net interest margin | 3.3549% | 2,222 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 1.7762% | 3,989 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 1.2184% | 1,400 |
| Return on assets (ROA) | 1.2706% | 1,300 |
| Pretax return on assets | 1.6303% | 1,048 |
| Return on Equity (ROE) | 14.0800% | 1,130 |
| Retained earnings to average equity (ytd only) | 4.1069% | 2,680 |
| Net charge-offs to loans | -0.0026% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.8958% | 3,912 |
| Assets per employee ($millions) | 10.6720% | 592 |
| Cash dividends to net income (ytd only)* | 70.8285% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 2,949 |
| Loan loss allowance to noncurrent loans | 425.5934% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 2,510 |
| Noncurrent loans to loans | 0.2514% | 2,417 |
| Net loans and leases to total assets | 67.4100% | 2,079 |
| Net loans and leases to deposits | 93.6716% | 891 |
| Net loans and leases to core deposits | 108.8003% | 993 |
| Total domestic deposits to total assets | 71.9700% | 4,226 |
| Equity capital to assets | 8.6957% | 2,890 |
| Core capital (leverage) ratio | 11.7186% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,094,261,500 | 936 |
| Average earning assets | $1,007,606,000 | 935 |
| Average equity | $98,760,000 | 1,010 |
| Average total loans | $761,997,500 | 930 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 1,373 |
| Cost of funding earning assets | 1.8595% | 1,142 |
| Net interest margin | 3.5004% | 2,176 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.9135% | 3,812 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3550% | 1,313 |
| Return on assets (ROA) | 1.3682% | 1,251 |
| Pretax return on assets | 1.7421% | 980 |
| Return on Equity (ROE) | 15.1700% | 1,254 |
| Retained earnings to average equity (ytd only) | 11.0955% | 775 |
| Net charge-offs to loans | 0.0047% | 2,553 |
| Credit loss provision to net charge-offs | 909.0909% | 442 |
| Earnings coverage of net charge-offs (x) | 534.2121% | 275 |
| Efficiency ratio | 52.1575% | 3,817 |
| Assets per employee ($millions) | 9.6999% | 770 |
| Cash dividends to net income (ytd only)* | 26.8520% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,003 |
| Loan loss allowance to noncurrent loans | 2,853.3808% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,511 |
| Noncurrent loans to loans | 0.0373% | 3,466 |
| Net loans and leases to total assets | 70.4800% | 1,753 |
| Net loans and leases to deposits | 91.9065% | 1,102 |
| Net loans and leases to core deposits | 100.0948% | 1,427 |
| Total domestic deposits to total assets | 76.6800% | 3,875 |
| Equity capital to assets | 9.3779% | 2,435 |
| Core capital (leverage) ratio | 12.4546% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,004,364,400 | 981 |
| Average earning assets | $924,673,800 | 979 |
| Average equity | $90,595,000 | 1,024 |
| Average total loans | $708,901,600 | 945 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 1,304 |
| Cost of funding earning assets | 1.7459% | 1,102 |
| Net interest margin | 3.5434% | 2,125 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.9007% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3815% | 1,360 |
| Return on assets (ROA) | 1.3720% | 1,361 |
| Pretax return on assets | 1.7593% | 1,070 |
| Return on Equity (ROE) | 15.3700% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.8110% | 1,458 |
| Net charge-offs to loans | 0.0044% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 572.4783% | 274 |
| Efficiency ratio | 51.7622% | 3,773 |
| Assets per employee ($millions) | 9.0422% | 915 |
| Cash dividends to net income (ytd only)* | 36.1800% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,067 |
| Loan loss allowance to noncurrent loans | 2,862.2222% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,543 |
| Noncurrent loans to loans | 0.0370% | 3,501 |
| Net loans and leases to total assets | 70.6000% | 1,759 |
| Net loans and leases to deposits | 96.9857% | 685 |
| Net loans and leases to core deposits | 102.4477% | 1,189 |
| Total domestic deposits to total assets | 72.7900% | 4,226 |
| Equity capital to assets | 8.4982% | 2,733 |
| Core capital (leverage) ratio | 12.1218% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $991,133,750 | 994 |
| Average earning assets | $914,652,500 | 985 |
| Average equity | $88,456,000 | 1,040 |
| Average total loans | $697,835,000 | 959 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 1,318 |
| Cost of funding earning assets | 1.5733% | 1,122 |
| Net interest margin | 3.5576% | 2,135 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9062% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3987% | 1,338 |
| Return on assets (ROA) | 1.3844% | 1,348 |
| Pretax return on assets | 1.7732% | 1,064 |
| Return on Equity (ROE) | 15.2600% | 1,419 |
| Retained earnings to average equity (ytd only) | 11.1127% | 1,168 |
| Net charge-offs to loans | 0.0201% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 127.3333% | 818 |
| Efficiency ratio | 51.5522% | 3,810 |
| Assets per employee ($millions) | 9.0443% | 899 |
| Cash dividends to net income (ytd only)* | 27.1723% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 2,990 |
| Loan loss allowance to noncurrent loans | 1,364.2984% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,205 |
| Noncurrent loans to loans | 0.0801% | 3,117 |
| Net loans and leases to total assets | 69.9200% | 1,751 |
| Net loans and leases to deposits | 90.9284% | 1,113 |
| Net loans and leases to core deposits | 96.5520% | 1,434 |
| Total domestic deposits to total assets | 76.8900% | 3,961 |
| Equity capital to assets | 9.2151% | 2,365 |
| Core capital (leverage) ratio | 12.2711% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $980,921,000 | 995 |
| Average earning assets | $908,149,333 | 987 |
| Average equity | $88,997,333 | 1,029 |
| Average total loans | $687,425,333 | 960 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 1,250 |
| Cost of funding earning assets | 1.3806% | 1,064 |
| Net interest margin | 3.6056% | 2,116 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.9188% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4113% | 1,377 |
| Return on assets (ROA) | 1.3824% | 1,428 |
| Pretax return on assets | 1.7672% | 1,134 |
| Return on Equity (ROE) | 15.3600% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.9407% | 2,511 |
| Net charge-offs to loans | -0.0047% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.5446% | 3,814 |
| Assets per employee ($millions) | 9.0394% | 917 |
| Cash dividends to net income (ytd only)* | 54.8128% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,880 |
| Loan loss allowance to noncurrent loans | 699.5491% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 2,722 |
| Noncurrent loans to loans | 0.1623% | 2,675 |
| Net loans and leases to total assets | 69.2000% | 1,704 |
| Net loans and leases to deposits | 86.7540% | 1,299 |
| Net loans and leases to core deposits | 91.5641% | 1,525 |
| Total domestic deposits to total assets | 79.7700% | 3,791 |
| Equity capital to assets | 9.2139% | 2,358 |
| Core capital (leverage) ratio | 12.0566% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $973,943,500 | 1,013 |
| Average earning assets | $901,919,500 | 1,009 |
| Average equity | $87,656,500 | 1,053 |
| Average total loans | $679,496,500 | 982 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 1,135 |
| Cost of funding earning assets | 0.5318% | 1,208 |
| Net interest margin | 3.7302% | 1,302 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 1.9234% | 3,781 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.7207% | 521 |
| Return on assets (ROA) | 1.6906% | 520 |
| Pretax return on assets | 2.1171% | 367 |
| Return on Equity (ROE) | 17.6700% | 755 |
| Retained earnings to average equity (ytd only) | 13.5288% | 449 |
| Net charge-offs to loans | 0.0129% | 1,896 |
| Credit loss provision to net charge-offs | 468.7500% | 711 |
| Earnings coverage of net charge-offs (x) | 255.4750% | 542 |
| Efficiency ratio | 46.7039% | 4,311 |
| Assets per employee ($millions) | 9.1663% | 860 |
| Cash dividends to net income (ytd only)* | 23.4468% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,661 |
| Loan loss allowance to noncurrent loans | 696.4061% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 1,918 |
| Noncurrent loans to loans | 0.1647% | 2,662 |
| Net loans and leases to total assets | 68.7400% | 1,765 |
| Net loans and leases to deposits | 84.1122% | 1,464 |
| Net loans and leases to core deposits | 86.3502% | 1,725 |
| Total domestic deposits to total assets | 81.7200% | 3,658 |
| Equity capital to assets | 8.7854% | 2,501 |
| Core capital (leverage) ratio | 12.2686% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $931,145,200 | 1,044 |
| Average earning assets | $868,690,800 | 1,030 |
| Average equity | $89,076,800 | 1,045 |
| Average total loans | $618,538,600 | 1,018 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 1,026 |
| Cost of funding earning assets | 0.3975% | 1,308 |
| Net interest margin | 3.7248% | 1,081 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.8524% | 3,863 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.6097% | 647 |
| Return on assets (ROA) | 1.5697% | 686 |
| Pretax return on assets | 2.0087% | 460 |
| Return on Equity (ROE) | 16.0600% | 963 |
| Retained earnings to average equity (ytd only) | 10.5946% | 1,169 |
| Net charge-offs to loans | 0.0183% | 1,474 |
| Credit loss provision to net charge-offs | 271.0843% | 861 |
| Earnings coverage of net charge-offs (x) | 174.1084% | 675 |
| Efficiency ratio | 46.9630% | 4,329 |
| Assets per employee ($millions) | 8.8525% | 948 |
| Cash dividends to net income (ytd only)* | 34.0404% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,523 |
| Loan loss allowance to noncurrent loans | 711.3296% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 2,831 |
| Noncurrent loans to loans | 0.1688% | 2,747 |
| Net loans and leases to total assets | 66.6200% | 1,823 |
| Net loans and leases to deposits | 81.8647% | 1,452 |
| Net loans and leases to core deposits | 83.9422% | 1,656 |
| Total domestic deposits to total assets | 81.3700% | 3,924 |
| Equity capital to assets | 8.2858% | 2,692 |
| Core capital (leverage) ratio | 11.4130% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $921,024,750 | 1,063 |
| Average earning assets | $861,414,000 | 1,052 |
| Average equity | $90,005,750 | 1,048 |
| Average total loans | $604,267,750 | 1,035 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 931 |
| Cost of funding earning assets | 0.2857% | 1,842 |
| Net interest margin | 3.7197% | 880 |
| Noninterest income to average assets | 0.4580% | 2,404 |
| Noninterest expense to average assets | 1.8666% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6386% | 499 |
| Return on assets (ROA) | 1.6046% | 527 |
| Pretax return on assets | 2.0508% | 339 |
| Return on Equity (ROE) | 15.6083% | 771 |
| Retained earnings to average equity (ytd only) | 11.6866% | 662 |
| Net charge-offs to loans | 0.0293% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 110.1379% | 773 |
| Efficiency ratio | 47.1309% | 4,390 |
| Assets per employee ($millions) | 8.9481% | 902 |
| Cash dividends to net income (ytd only)* | 25.1260% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,793 |
| Loan loss allowance to noncurrent loans | 476.5847% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 2,542 |
| Noncurrent loans to loans | 0.2477% | 2,492 |
| Net loans and leases to total assets | 66.2695% | 1,661 |
| Net loans and leases to deposits | 80.2349% | 1,373 |
| Net loans and leases to core deposits | 81.3825% | 1,632 |
| Total domestic deposits to total assets | 82.5943% | 3,933 |
| Equity capital to assets | 9.1315% | 2,299 |
| Core capital (leverage) ratio | 11.5629% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $915,246,333 | 1,065 |
| Average earning assets | $861,782,667 | 1,050 |
| Average equity | $94,090,667 | 1,008 |
| Average total loans | $594,791,000 | 1,033 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 626 |
| Cost of funding earning assets | 0.2356% | 2,312 |
| Net interest margin | 3.8734% | 534 |
| Noninterest income to average assets | 0.4368% | 2,462 |
| Noninterest expense to average assets | 1.8939% | 3,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7189% | 392 |
| Return on assets (ROA) | 1.7189% | 395 |
| Pretax return on assets | 2.2015% | 255 |
| Return on Equity (ROE) | 15.8140% | 551 |
| Retained earnings to average equity (ytd only) | 8.3327% | 1,479 |
| Net charge-offs to loans | -0.0014% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2441% | 4,486 |
| Assets per employee ($millions) | 8.8481% | 974 |
| Cash dividends to net income (ytd only)* | 47.3077% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,610 |
| Loan loss allowance to noncurrent loans | 1,448.1553% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,480 |
| Noncurrent loans to loans | 0.0863% | 3,410 |
| Net loans and leases to total assets | 64.6915% | 1,536 |
| Net loans and leases to deposits | 75.8229% | 1,465 |
| Net loans and leases to core deposits | 76.9209% | 1,711 |
| Total domestic deposits to total assets | 85.3193% | 3,465 |
| Equity capital to assets | 10.1408% | 1,798 |
| Core capital (leverage) ratio | 11.0398% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $907,568,500 | 1,072 |
| Average earning assets | $857,227,000 | 1,061 |
| Average equity | $98,647,000 | 998 |
| Average total loans | $580,150,000 | 1,044 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 1,752 |
| Cost of funding earning assets | 0.4702% | 1,061 |
| Net interest margin | 3.3764% | 2,097 |
| Noninterest income to average assets | 0.6674% | 1,877 |
| Noninterest expense to average assets | 1.9199% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5192% | 974 |
| Return on assets (ROA) | 1.5192% | 1,011 |
| Pretax return on assets | 1.9184% | 699 |
| Return on Equity (ROE) | 11.9076% | 1,849 |
| Retained earnings to average equity (ytd only) | 8.5516% | 1,327 |
| Net charge-offs to loans | 0.0023% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,265.0000% | 117 |
| Efficiency ratio | 50.0198% | 4,280 |
| Assets per employee ($millions) | 9.0378% | 908 |
| Cash dividends to net income (ytd only)* | 28.1840% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,252 |
| Loan loss allowance to noncurrent loans | 879.2453% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 3,280 |
| Noncurrent loans to loans | 0.1505% | 3,184 |
| Net loans and leases to total assets | 61.4990% | 2,000 |
| Net loans and leases to deposits | 71.6452% | 1,950 |
| Net loans and leases to core deposits | 72.7423% | 2,185 |
| Total domestic deposits to total assets | 85.8382% | 2,962 |
| Equity capital to assets | 11.6041% | 1,455 |
| Core capital (leverage) ratio | 10.9827% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,277,200 | 1,174 |
| Average earning assets | $743,127,800 | 1,162 |
| Average equity | $100,952,000 | 1,004 |
| Average total loans | $513,794,600 | 1,137 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 1,673 |
| Cost of funding earning assets | 0.4950% | 1,072 |
| Net interest margin | 3.4394% | 2,044 |
| Noninterest income to average assets | 0.7153% | 1,773 |
| Noninterest expense to average assets | 1.9042% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5965% | 1,043 |
| Return on assets (ROA) | 1.5965% | 1,088 |
| Pretax return on assets | 2.0368% | 750 |
| Return on Equity (ROE) | 12.1872% | 1,988 |
| Retained earnings to average equity (ytd only) | 7.6687% | 2,157 |
| Net charge-offs to loans | 0.0021% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,457.2500% | 102 |
| Efficiency ratio | 48.3176% | 4,344 |
| Assets per employee ($millions) | 8.2554% | 1,152 |
| Cash dividends to net income (ytd only)* | 37.0759% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,697 |
| Loan loss allowance to noncurrent loans | 528.6322% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 2,995 |
| Noncurrent loans to loans | 0.2808% | 2,793 |
| Net loans and leases to total assets | 59.3685% | 2,335 |
| Net loans and leases to deposits | 70.9241% | 2,152 |
| Net loans and leases to core deposits | 72.5187% | 2,376 |
| Total domestic deposits to total assets | 83.7071% | 3,537 |
| Equity capital to assets | 12.3111% | 1,256 |
| Core capital (leverage) ratio | 11.4680% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $763,152,000 | 1,216 |
| Average earning assets | $715,717,000 | 1,210 |
| Average equity | $99,971,250 | 1,028 |
| Average total loans | $501,425,750 | 1,177 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 1,030 |
| Cost of funding earning assets | 0.5290% | 1,038 |
| Net interest margin | 3.7553% | 1,209 |
| Noninterest income to average assets | 0.6714% | 1,923 |
| Noninterest expense to average assets | 1.9875% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7139% | 851 |
| Return on assets (ROA) | 1.7139% | 903 |
| Pretax return on assets | 2.1909% | 584 |
| Return on Equity (ROE) | 12.7939% | 1,787 |
| Retained earnings to average equity (ytd only) | 9.6812% | 1,501 |
| Net charge-offs to loans | 0.0032% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,012.7500% | 124 |
| Efficiency ratio | 47.5667% | 4,418 |
| Assets per employee ($millions) | 7.6648% | 1,386 |
| Cash dividends to net income (ytd only)* | 24.3294% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 1,521 |
| Loan loss allowance to noncurrent loans | 163.9121% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 1,378 |
| Noncurrent loans to loans | 0.9280% | 1,331 |
| Net loans and leases to total assets | 64.2816% | 1,917 |
| Net loans and leases to deposits | 77.5717% | 1,671 |
| Net loans and leases to core deposits | 79.6436% | 1,913 |
| Total domestic deposits to total assets | 82.8673% | 3,737 |
| Equity capital to assets | 13.5547% | 811 |
| Core capital (leverage) ratio | 12.9066% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $739,605,333 | 1,243 |
| Average earning assets | $690,709,000 | 1,240 |
| Average equity | $99,078,667 | 1,031 |
| Average total loans | $501,078,000 | 1,184 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 569 |
| Cost of funding earning assets | 0.5446% | 1,139 |
| Net interest margin | 4.1583% | 657 |
| Noninterest income to average assets | 0.5849% | 2,274 |
| Noninterest expense to average assets | 2.0272% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8816% | 687 |
| Return on assets (ROA) | 1.8816% | 737 |
| Pretax return on assets | 2.4409% | 490 |
| Return on Equity (ROE) | 14.1316% | 1,407 |
| Retained earnings to average equity (ytd only) | 7.8191% | 2,309 |
| Net charge-offs to loans | 0.0032% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,119.5000% | 81 |
| Efficiency ratio | 45.3703% | 4,507 |
| Assets per employee ($millions) | 8.3038% | 1,064 |
| Cash dividends to net income (ytd only)* | 44.6698% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,774 |
| Loan loss allowance to noncurrent loans | 2,675.2688% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,102 |
| Noncurrent loans to loans | 0.0542% | 4,018 |
| Net loans and leases to total assets | 68.6042% | 1,454 |
| Net loans and leases to deposits | 83.6446% | 1,186 |
| Net loans and leases to core deposits | 86.2380% | 1,504 |
| Total domestic deposits to total assets | 82.0187% | 3,893 |
| Equity capital to assets | 13.1561% | 870 |
| Core capital (leverage) ratio | 13.0143% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $733,834,500 | 1,238 |
| Average earning assets | $685,286,000 | 1,240 |
| Average equity | $97,710,000 | 1,028 |
| Average total loans | $506,463,500 | 1,173 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 1,873 |
| Cost of funding earning assets | 0.8663% | 969 |
| Net interest margin | 3.4332% | 2,662 |
| Noninterest income to average assets | 0.7672% | 1,636 |
| Noninterest expense to average assets | 2.0789% | 3,978 |
| Loan and lease loss provision to assets | 0.2127% | 1,845 |
| Net operating income to assets | 1.3275% | 1,184 |
| Return on assets (ROA) | 1.4830% | 919 |
| Pretax return on assets | 1.8705% | 586 |
| Return on Equity (ROE) | 10.7178% | 1,736 |
| Retained earnings to average equity (ytd only) | 6.7773% | 1,471 |
| Net charge-offs to loans | 0.0484% | 2,102 |
| Credit loss provision to net charge-offs | 578.3133% | 1,133 |
| Earnings coverage of net charge-offs (x) | 51.2972% | 1,175 |
| Efficiency ratio | 52.4283% | 4,357 |
| Assets per employee ($millions) | 8.1868% | 976 |
| Cash dividends to net income (ytd only)* | 36.7656% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,589 |
| Loan loss allowance to noncurrent loans | 3,909.4241% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 4,246 |
| Noncurrent loans to loans | 0.0383% | 4,153 |
| Net loans and leases to total assets | 67.3845% | 1,905 |
| Net loans and leases to deposits | 81.3178% | 1,730 |
| Net loans and leases to core deposits | 84.9557% | 1,955 |
| Total domestic deposits to total assets | 82.8657% | 3,449 |
| Equity capital to assets | 13.4762% | 936 |
| Core capital (leverage) ratio | 13.0699% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,146,800 | 1,206 |
| Average earning assets | $630,756,000 | 1,212 |
| Average equity | $93,694,600 | 1,022 |
| Average total loans | $514,177,400 | 1,113 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,237 |
| Cost of funding earning assets | 0.9292% | 962 |
| Net interest margin | 3.3254% | 3,114 |
| Noninterest income to average assets | 0.6947% | 1,818 |
| Noninterest expense to average assets | 2.0557% | 4,033 |
| Loan and lease loss provision to assets | 0.2589% | 1,565 |
| Net operating income to assets | 1.1278% | 1,888 |
| Return on assets (ROA) | 1.3392% | 1,357 |
| Pretax return on assets | 1.7528% | 863 |
| Return on Equity (ROE) | 9.6097% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.2921% | 2,899 |
| Net charge-offs to loans | 0.0468% | 1,945 |
| Credit loss provision to net charge-offs | 708.7912% | 1,061 |
| Earnings coverage of net charge-offs (x) | 47.7473% | 1,227 |
| Efficiency ratio | 54.0989% | 4,135 |
| Assets per employee ($millions) | 7.8314% | 1,064 |
| Cash dividends to net income (ytd only)* | 55.3357% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,622 |
| Loan loss allowance to noncurrent loans | 118.5774% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 1,289 |
| Noncurrent loans to loans | 1.2037% | 1,265 |
| Net loans and leases to total assets | 73.1729% | 1,475 |
| Net loans and leases to deposits | 89.2843% | 1,341 |
| Net loans and leases to core deposits | 93.5052% | 1,675 |
| Total domestic deposits to total assets | 81.9549% | 3,432 |
| Equity capital to assets | 13.5241% | 994 |
| Core capital (leverage) ratio | 12.8673% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $664,276,750 | 1,212 |
| Average earning assets | $620,297,750 | 1,211 |
| Average equity | $92,570,500 | 1,019 |
| Average total loans | $518,109,500 | 1,098 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 1,999 |
| Cost of funding earning assets | 0.9909% | 1,014 |
| Net interest margin | 3.4821% | 2,850 |
| Noninterest income to average assets | 0.7117% | 1,701 |
| Noninterest expense to average assets | 2.0393% | 4,154 |
| Loan and lease loss provision to assets | 0.2449% | 1,720 |
| Net operating income to assets | 1.3262% | 1,289 |
| Return on assets (ROA) | 1.6527% | 737 |
| Pretax return on assets | 2.0745% | 475 |
| Return on Equity (ROE) | 11.7361% | 1,412 |
| Retained earnings to average equity (ytd only) | 7.7255% | 1,394 |
| Net charge-offs to loans | 0.0776% | 1,470 |
| Credit loss provision to net charge-offs | 398.0100% | 1,414 |
| Earnings coverage of net charge-offs (x) | 31.0647% | 1,405 |
| Efficiency ratio | 51.6194% | 4,389 |
| Assets per employee ($millions) | 7.9486% | 989 |
| Cash dividends to net income (ytd only)* | 34.1730% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 1,972 |
| Loan loss allowance to noncurrent loans | 365.7447% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,231 |
| Noncurrent loans to loans | 0.3572% | 3,121 |
| Net loans and leases to total assets | 75.1096% | 1,258 |
| Net loans and leases to deposits | 91.5454% | 1,209 |
| Net loans and leases to core deposits | 96.7779% | 1,517 |
| Total domestic deposits to total assets | 82.0463% | 3,355 |
| Equity capital to assets | 13.6568% | 941 |
| Core capital (leverage) ratio | 13.5809% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $653,371,333 | 1,206 |
| Average earning assets | $607,744,333 | 1,210 |
| Average equity | $92,006,667 | 1,016 |
| Average total loans | $518,347,667 | 1,085 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 1,331 |
| Cost of funding earning assets | 1.0623% | 1,173 |
| Net interest margin | 3.7782% | 2,058 |
| Noninterest income to average assets | 0.5215% | 2,433 |
| Noninterest expense to average assets | 2.0905% | 4,234 |
| Loan and lease loss provision to assets | 0.1381% | 2,004 |
| Net operating income to assets | 1.3546% | 1,093 |
| Return on assets (ROA) | 1.8673% | 398 |
| Pretax return on assets | 2.4361% | 186 |
| Return on Equity (ROE) | 13.0456% | 874 |
| Retained earnings to average equity (ytd only) | 4.9169% | 2,309 |
| Net charge-offs to loans | 0.0770% | 1,256 |
| Credit loss provision to net charge-offs | 221.2121% | 1,362 |
| Earnings coverage of net charge-offs (x) | 30.8384% | 1,161 |
| Efficiency ratio | 52.0572% | 4,547 |
| Assets per employee ($millions) | 7.3284% | 959 |
| Cash dividends to net income (ytd only)* | 62.3100% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,408 |
| Loan loss allowance to noncurrent loans | 77.4737% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 874 |
| Noncurrent loans to loans | 1.6105% | 963 |
| Net loans and leases to total assets | 81.2786% | 531 |
| Net loans and leases to deposits | 101.1350% | 485 |
| Net loans and leases to core deposits | 108.1519% | 942 |
| Total domestic deposits to total assets | 80.3665% | 3,786 |
| Equity capital to assets | 14.6609% | 844 |
| Core capital (leverage) ratio | 13.7237% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $634,292,500 | 1,206 |
| Average earning assets | $586,630,500 | 1,214 |
| Average equity | $90,789,500 | 1,025 |
| Average total loans | $514,381,000 | 1,073 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 1,681 |
| Cost of funding earning assets | 1.1683% | 1,100 |
| Net interest margin | 3.7569% | 2,646 |
| Noninterest income to average assets | 0.5654% | 2,396 |
| Noninterest expense to average assets | 2.1019% | 4,365 |
| Loan and lease loss provision to assets | 0.1026% | 2,014 |
| Net operating income to assets | 1.4763% | 1,112 |
| Return on assets (ROA) | 1.5161% | 1,076 |
| Pretax return on assets | 1.8888% | 765 |
| Return on Equity (ROE) | 10.7648% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.4862% | 1,617 |
| Net charge-offs to loans | 0.0350% | 2,687 |
| Credit loss provision to net charge-offs | 367.2515% | 760 |
| Earnings coverage of net charge-offs (x) | 69.5263% | 889 |
| Efficiency ratio | 51.9830% | 4,607 |
| Assets per employee ($millions) | 7.5961% | 834 |
| Cash dividends to net income (ytd only)* | 39.7458% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,343 |
| Loan loss allowance to noncurrent loans | 676.2931% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 3,917 |
| Noncurrent loans to loans | 0.1798% | 3,811 |
| Net loans and leases to total assets | 78.9555% | 939 |
| Net loans and leases to deposits | 102.4810% | 445 |
| Net loans and leases to core deposits | 108.8880% | 919 |
| Total domestic deposits to total assets | 77.0440% | 4,484 |
| Equity capital to assets | 13.9783% | 1,107 |
| Core capital (leverage) ratio | 13.8790% | 959 |
| Tier 1 risk-based capital ratio | 14.0830% | 3,225 |
| Total risk-based capital ratio | 15.1173% | 3,242 |
| Memoranda: | ||
| Average total assets | $612,345,200 | 1,207 |
| Average earning assets | $566,903,600 | 1,204 |
| Average equity | $86,244,200 | 1,022 |
| Average total loans | $488,933,000 | 1,100 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 1,657 |
| Cost of funding earning assets | 1.1854% | 1,072 |
| Net interest margin | 3.7721% | 2,678 |
| Noninterest income to average assets | 0.5488% | 2,468 |
| Noninterest expense to average assets | 2.1085% | 4,345 |
| Loan and lease loss provision to assets | 0.0996% | 1,932 |
| Net operating income to assets | 1.4825% | 1,235 |
| Return on assets (ROA) | 1.5364% | 1,150 |
| Pretax return on assets | 1.9109% | 840 |
| Return on Equity (ROE) | 10.8864% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.1147% | 2,842 |
| Net charge-offs to loans | 0.0382% | 2,326 |
| Credit loss provision to net charge-offs | 326.8116% | 906 |
| Earnings coverage of net charge-offs (x) | 63.7883% | 1,022 |
| Efficiency ratio | 52.0403% | 4,589 |
| Assets per employee ($millions) | 6.9705% | 1,037 |
| Cash dividends to net income (ytd only)* | 53.0173% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,112 |
| Loan loss allowance to noncurrent loans | 614.5291% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 3,825 |
| Noncurrent loans to loans | 0.2068% | 3,795 |
| Net loans and leases to total assets | 80.4084% | 794 |
| Net loans and leases to deposits | 100.1263% | 622 |
| Net loans and leases to core deposits | 106.5003% | 1,150 |
| Total domestic deposits to total assets | 80.3070% | 3,920 |
| Equity capital to assets | 14.9005% | 870 |
| Core capital (leverage) ratio | 14.0961% | 961 |
| Tier 1 risk-based capital ratio | 14.5958% | 3,027 |
| Total risk-based capital ratio | 15.6741% | 3,028 |
| Memoranda: | ||
| Average total assets | $604,013,750 | 1,218 |
| Average earning assets | $560,906,250 | 1,215 |
| Average equity | $85,241,750 | 1,026 |
| Average total loans | $482,149,000 | 1,116 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 1,672 |
| Cost of funding earning assets | 1.1910% | 1,019 |
| Net interest margin | 3.7369% | 2,805 |
| Noninterest income to average assets | 0.5060% | 2,641 |
| Noninterest expense to average assets | 2.0916% | 4,430 |
| Loan and lease loss provision to assets | 0.0905% | 2,042 |
| Net operating income to assets | 1.3915% | 1,456 |
| Return on assets (ROA) | 1.4707% | 1,281 |
| Pretax return on assets | 1.8787% | 873 |
| Return on Equity (ROE) | 10.6141% | 2,134 |
| Retained earnings to average equity (ytd only) | 6.2331% | 2,177 |
| Net charge-offs to loans | 0.0519% | 1,904 |
| Credit loss provision to net charge-offs | 220.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 45.4400% | 1,170 |
| Efficiency ratio | 52.8122% | 4,578 |
| Assets per employee ($millions) | 7.1374% | 936 |
| Cash dividends to net income (ytd only)* | 41.2752% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,402 |
| Loan loss allowance to noncurrent loans | 1,359.9089% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,331 |
| Noncurrent loans to loans | 0.0899% | 4,282 |
| Net loans and leases to total assets | 81.4165% | 683 |
| Net loans and leases to deposits | 103.1081% | 464 |
| Net loans and leases to core deposits | 110.7481% | 938 |
| Total domestic deposits to total assets | 78.9623% | 4,233 |
| Equity capital to assets | 14.6604% | 906 |
| Core capital (leverage) ratio | 13.8071% | 1,022 |
| Tier 1 risk-based capital ratio | 14.4554% | 3,086 |
| Total risk-based capital ratio | 15.4997% | 3,102 |
| Memoranda: | ||
| Average total assets | $607,855,000 | 1,211 |
| Average earning assets | $561,903,330 | 1,219 |
| Average equity | $84,227,670 | 1,031 |
| Average total loans | $482,017,000 | 1,119 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 1,896 |
| Cost of funding earning assets | 1.0965% | 1,196 |
| Net interest margin | 3.7046% | 2,876 |
| Noninterest income to average assets | 0.4724% | 2,721 |
| Noninterest expense to average assets | 2.0839% | 4,484 |
| Loan and lease loss provision to assets | 0.0858% | 1,990 |
| Net operating income to assets | 1.3386% | 1,564 |
| Return on assets (ROA) | 1.3483% | 1,568 |
| Pretax return on assets | 1.7135% | 1,179 |
| Return on Equity (ROE) | 10.0100% | 2,368 |
| Retained earnings to average equity (ytd only) | 1.1095% | 4,286 |
| Net charge-offs to loans | -0.0008% | 3,798 |
| Credit loss provision to net charge-offs | -13,200.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8358% | 4,546 |
| Assets per employee ($millions) | 7.3689% | 856 |
| Cash dividends to net income (ytd only)* | 88.9157% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,485 |
| Loan loss allowance to noncurrent loans | 3,652.1472% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,634 |
| Noncurrent loans to loans | 0.0334% | 4,623 |
| Net loans and leases to total assets | 78.9296% | 998 |
| Net loans and leases to deposits | 104.7135% | 370 |
| Net loans and leases to core deposits | 111.8627% | 838 |
| Total domestic deposits to total assets | 75.3767% | 4,828 |
| Equity capital to assets | 13.6925% | 1,132 |
| Core capital (leverage) ratio | 13.1445% | 1,206 |
| Tier 1 risk-based capital ratio | 13.8273% | 3,437 |
| Total risk-based capital ratio | 14.8502% | 3,466 |
| Memoranda: | ||
| Average total assets | $615,579,000 | 1,204 |
| Average earning assets | $564,698,000 | 1,216 |
| Average equity | $82,917,000 | 1,041 |
| Average total loans | $478,882,000 | 1,126 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 2,205 |
| Cost of funding earning assets | 0.8998% | 1,097 |
| Net interest margin | 3.6771% | 3,131 |
| Noninterest income to average assets | 0.5420% | 2,598 |
| Noninterest expense to average assets | 2.0854% | 4,598 |
| Loan and lease loss provision to assets | 0.0915% | 2,320 |
| Net operating income to assets | 1.4333% | 1,326 |
| Return on assets (ROA) | 1.4016% | 1,420 |
| Pretax return on assets | 1.7114% | 1,137 |
| Return on Equity (ROE) | 10.4881% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.8276% | 2,281 |
| Net charge-offs to loans | 0.0094% | 3,356 |
| Credit loss provision to net charge-offs | 1,290.4762% | 315 |
| Earnings coverage of net charge-offs (x) | 259.7619% | 368 |
| Efficiency ratio | 53.1055% | 4,710 |
| Assets per employee ($millions) | 7.4643% | 809 |
| Cash dividends to net income (ytd only)* | 44.4364% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,351 |
| Loan loss allowance to noncurrent loans | 4,770.4918% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,687 |
| Noncurrent loans to loans | 0.0260% | 4,658 |
| Net loans and leases to total assets | 74.7721% | 1,801 |
| Net loans and leases to deposits | 99.6687% | 771 |
| Net loans and leases to core deposits | 103.4050% | 1,464 |
| Total domestic deposits to total assets | 75.0207% | 4,867 |
| Equity capital to assets | 13.2499% | 1,234 |
| Core capital (leverage) ratio | 13.9680% | 932 |
| Tier 1 risk-based capital ratio | 14.1078% | 3,239 |
| Total risk-based capital ratio | 15.1312% | 3,270 |
| Memoranda: | ||
| Average total assets | $592,448,400 | 1,216 |
| Average earning assets | $545,369,400 | 1,223 |
| Average equity | $79,175,600 | 1,036 |
| Average total loans | $446,444,800 | 1,152 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 2,278 |
| Cost of funding earning assets | 0.8354% | 1,170 |
| Net interest margin | 3.6705% | 3,120 |
| Noninterest income to average assets | 0.5227% | 2,728 |
| Noninterest expense to average assets | 2.0737% | 4,601 |
| Loan and lease loss provision to assets | 0.0899% | 2,180 |
| Net operating income to assets | 1.4524% | 1,317 |
| Return on assets (ROA) | 1.4092% | 1,451 |
| Pretax return on assets | 1.7078% | 1,264 |
| Return on Equity (ROE) | 10.5206% | 2,383 |
| Retained earnings to average equity (ytd only) | 4.2490% | 3,649 |
| Net charge-offs to loans | 0.0112% | 3,019 |
| Credit loss provision to net charge-offs | 1,067.5676% | 397 |
| Earnings coverage of net charge-offs (x) | 219.6311% | 414 |
| Efficiency ratio | 52.8518% | 4,724 |
| Assets per employee ($millions) | 6.9406% | 956 |
| Cash dividends to net income (ytd only)* | 59.6123% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,358 |
| Loan loss allowance to noncurrent loans | 2,027.8571% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,621 |
| Noncurrent loans to loans | 0.0618% | 4,611 |
| Net loans and leases to total assets | 76.7948% | 1,535 |
| Net loans and leases to deposits | 99.7065% | 813 |
| Net loans and leases to core deposits | 106.7344% | 1,253 |
| Total domestic deposits to total assets | 77.0208% | 4,642 |
| Equity capital to assets | 13.5320% | 1,123 |
| Core capital (leverage) ratio | 13.5513% | 1,086 |
| Tier 1 risk-based capital ratio | 14.1199% | 3,305 |
| Total risk-based capital ratio | 15.1462% | 3,329 |
| Memoranda: | ||
| Average total assets | $585,676,250 | 1,234 |
| Average earning assets | $542,650,000 | 1,233 |
| Average equity | $78,447,500 | 1,039 |
| Average total loans | $440,790,750 | 1,162 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,366 |
| Cost of funding earning assets | 0.8051% | 1,104 |
| Net interest margin | 3.6104% | 3,271 |
| Noninterest income to average assets | 0.5033% | 2,842 |
| Noninterest expense to average assets | 2.0352% | 4,736 |
| Loan and lease loss provision to assets | 0.0904% | 2,117 |
| Net operating income to assets | 1.3674% | 1,544 |
| Return on assets (ROA) | 1.3049% | 1,749 |
| Pretax return on assets | 1.6343% | 1,390 |
| Return on Equity (ROE) | 9.7753% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.8494% | 2,640 |
| Net charge-offs to loans | 0.0009% | 3,188 |
| Credit loss provision to net charge-offs | 13,250.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,643.5000% | 22 |
| Efficiency ratio | 53.0295% | 4,778 |
| Assets per employee ($millions) | 6.8635% | 983 |
| Cash dividends to net income (ytd only)* | 40.1620% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,382 |
| Loan loss allowance to noncurrent loans | 1,016.9399% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,439 |
| Noncurrent loans to loans | 0.1239% | 4,353 |
| Net loans and leases to total assets | 75.9150% | 1,651 |
| Net loans and leases to deposits | 96.5741% | 1,090 |
| Net loans and leases to core deposits | 101.8121% | 1,576 |
| Total domestic deposits to total assets | 78.6080% | 4,489 |
| Equity capital to assets | 13.7656% | 1,004 |
| Core capital (leverage) ratio | 13.5637% | 1,048 |
| Tier 1 risk-based capital ratio | 14.2310% | 3,245 |
| Total risk-based capital ratio | 15.2509% | 3,280 |
| Memoranda: | ||
| Average total assets | $586,564,670 | 1,231 |
| Average earning assets | $541,765,670 | 1,238 |
| Average equity | $78,299,000 | 1,040 |
| Average total loans | $436,587,670 | 1,173 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,427 |
| Cost of funding earning assets | 0.7516% | 1,182 |
| Net interest margin | 3.5764% | 3,264 |
| Noninterest income to average assets | 0.4963% | 2,823 |
| Noninterest expense to average assets | 2.0095% | 4,830 |
| Loan and lease loss provision to assets | 0.0899% | 2,009 |
| Net operating income to assets | 1.3415% | 1,506 |
| Return on assets (ROA) | 1.3415% | 1,521 |
| Pretax return on assets | 1.6850% | 1,153 |
| Return on Equity (ROE) | 10.2048% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.2992% | 4,243 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0999% | 4,875 |
| Assets per employee ($millions) | 6.5780% | 1,163 |
| Cash dividends to net income (ytd only)* | 77.4698% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,467 |
| Loan loss allowance to noncurrent loans | 995.0730% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,613 |
| Noncurrent loans to loans | 0.1265% | 4,398 |
| Net loans and leases to total assets | 73.9110% | 1,866 |
| Net loans and leases to deposits | 100.1587% | 698 |
| Net loans and leases to core deposits | 104.8918% | 1,316 |
| Total domestic deposits to total assets | 73.7939% | 5,175 |
| Equity capital to assets | 13.3403% | 1,096 |
| Core capital (leverage) ratio | 12.9302% | 1,206 |
| Tier 1 risk-based capital ratio | 14.0594% | 3,352 |
| Total risk-based capital ratio | 15.0674% | 3,396 |
| Memoranda: | ||
| Average total assets | $591,580,500 | 1,227 |
| Average earning assets | $543,894,500 | 1,238 |
| Average equity | $77,767,000 | 1,052 |
| Average total loans | $433,252,500 | 1,185 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,713 |
| Cost of funding earning assets | 0.6575% | 1,260 |
| Net interest margin | 3.5339% | 3,408 |
| Noninterest income to average assets | 0.5365% | 2,791 |
| Noninterest expense to average assets | 2.0776% | 4,818 |
| Loan and lease loss provision to assets | 0.1194% | 1,917 |
| Net operating income to assets | 1.1567% | 1,660 |
| Return on assets (ROA) | 1.1928% | 1,569 |
| Pretax return on assets | 1.6754% | 1,079 |
| Return on Equity (ROE) | 9.1247% | 2,255 |
| Retained earnings to average equity (ytd only) | 5.7010% | 1,708 |
| Net charge-offs to loans | -0.0663% | 5,260 |
| Credit loss provision to net charge-offs | -248.7365% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4007% | 4,997 |
| Assets per employee ($millions) | 6.8670% | 1,033 |
| Cash dividends to net income (ytd only)* | 37.5218% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,614 |
| Loan loss allowance to noncurrent loans | 2,429.2237% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 4,956 |
| Noncurrent loans to loans | 0.0506% | 4,764 |
| Net loans and leases to total assets | 70.8075% | 2,394 |
| Net loans and leases to deposits | 95.3824% | 1,138 |
| Net loans and leases to core deposits | 99.4067% | 1,759 |
| Total domestic deposits to total assets | 74.2355% | 5,159 |
| Equity capital to assets | 12.9591% | 1,288 |
| Core capital (leverage) ratio | 13.0081% | 1,139 |
| Tier 1 risk-based capital ratio | 13.9359% | 3,396 |
| Total risk-based capital ratio | 14.9164% | 3,450 |
| Memoranda: | ||
| Average total assets | $577,110,600 | 1,238 |
| Average earning assets | $536,456,600 | 1,231 |
| Average equity | $75,443,200 | 1,066 |
| Average total loans | $417,838,800 | 1,192 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 2,752 |
| Cost of funding earning assets | 0.6495% | 1,245 |
| Net interest margin | 3.5108% | 3,468 |
| Noninterest income to average assets | 0.5167% | 2,927 |
| Noninterest expense to average assets | 2.1382% | 4,657 |
| Loan and lease loss provision to assets | 0.1185% | 1,827 |
| Net operating income to assets | 1.1674% | 1,809 |
| Return on assets (ROA) | 1.1993% | 1,729 |
| Pretax return on assets | 1.5921% | 1,452 |
| Return on Equity (ROE) | 9.1532% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.5445% | 3,191 |
| Net charge-offs to loans | -0.0963% | 5,370 |
| Credit loss provision to net charge-offs | -169.5652% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1932% | 4,829 |
| Assets per employee ($millions) | 6.4197% | 1,234 |
| Cash dividends to net income (ytd only)* | 50.3508% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,657 |
| Loan loss allowance to noncurrent loans | 1,714.2857% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,344 |
| Noncurrent loans to loans | 0.0728% | 4,786 |
| Net loans and leases to total assets | 72.3092% | 2,209 |
| Net loans and leases to deposits | 94.8539% | 1,218 |
| Net loans and leases to core deposits | 98.7922% | 1,818 |
| Total domestic deposits to total assets | 76.2322% | 4,995 |
| Equity capital to assets | 13.6356% | 1,106 |
| Core capital (leverage) ratio | 13.1029% | 1,171 |
| Tier 1 risk-based capital ratio | 14.1482% | 3,379 |
| Total risk-based capital ratio | 15.1362% | 3,429 |
| Memoranda: | ||
| Average total assets | $570,313,250 | 1,260 |
| Average earning assets | $534,373,500 | 1,245 |
| Average equity | $74,726,000 | 1,078 |
| Average total loans | $413,996,000 | 1,212 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 2,862 |
| Cost of funding earning assets | 0.6328% | 1,243 |
| Net interest margin | 3.4559% | 3,567 |
| Noninterest income to average assets | 0.5058% | 2,986 |
| Noninterest expense to average assets | 2.1056% | 4,762 |
| Loan and lease loss provision to assets | 0.1175% | 1,751 |
| Net operating income to assets | 1.1281% | 1,861 |
| Return on assets (ROA) | 1.1550% | 1,806 |
| Pretax return on assets | 1.5591% | 1,461 |
| Return on Equity (ROE) | 8.9349% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.4437% | 2,442 |
| Net charge-offs to loans | -0.1256% | 5,479 |
| Credit loss provision to net charge-offs | -129.2308% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2217% | 4,903 |
| Assets per employee ($millions) | 6.5477% | 1,125 |
| Cash dividends to net income (ytd only)* | 39.0738% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,069 |
| Loan loss allowance to noncurrent loans | 2,097.4576% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 4,474 |
| Noncurrent loans to loans | 0.0568% | 4,905 |
| Net loans and leases to total assets | 72.0697% | 2,195 |
| Net loans and leases to deposits | 92.7405% | 1,395 |
| Net loans and leases to core deposits | 96.4171% | 1,939 |
| Total domestic deposits to total assets | 77.7111% | 4,862 |
| Equity capital to assets | 13.4043% | 1,187 |
| Core capital (leverage) ratio | 12.8612% | 1,237 |
| Tier 1 risk-based capital ratio | 14.0884% | 3,381 |
| Total risk-based capital ratio | 15.0406% | 3,459 |
| Memoranda: | ||
| Average total assets | $572,107,000 | 1,266 |
| Average earning assets | $536,361,670 | 1,241 |
| Average equity | $73,957,330 | 1,086 |
| Average total loans | $414,108,670 | 1,209 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,118 |
| Cost of funding earning assets | 0.6022% | 1,356 |
| Net interest margin | 3.3765% | 3,729 |
| Noninterest income to average assets | 0.4974% | 2,997 |
| Noninterest expense to average assets | 2.1000% | 4,849 |
| Loan and lease loss provision to assets | 0.1123% | 1,707 |
| Net operating income to assets | 1.0842% | 1,936 |
| Return on assets (ROA) | 1.0842% | 1,978 |
| Pretax return on assets | 1.4379% | 1,740 |
| Return on Equity (ROE) | 8.5434% | 2,650 |
| Retained earnings to average equity (ytd only) | 1.4459% | 4,527 |
| Net charge-offs to loans | -0.1635% | 5,581 |
| Credit loss provision to net charge-offs | -95.2663% | 3,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4985% | 4,890 |
| Assets per employee ($millions) | 6.5458% | 1,161 |
| Cash dividends to net income (ytd only)* | 83.0759% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,509 |
| Loan loss allowance to noncurrent loans | 802.0548% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,233 |
| Noncurrent loans to loans | 0.1411% | 4,625 |
| Net loans and leases to total assets | 71.0597% | 2,209 |
| Net loans and leases to deposits | 90.2799% | 1,502 |
| Net loans and leases to core deposits | 94.5468% | 1,931 |
| Total domestic deposits to total assets | 78.7105% | 4,879 |
| Equity capital to assets | 12.6930% | 1,407 |
| Core capital (leverage) ratio | 12.5565% | 1,311 |
| Tier 1 risk-based capital ratio | 13.6819% | 3,671 |
| Total risk-based capital ratio | 14.5774% | 3,787 |
| Memoranda: | ||
| Average total assets | $573,337,500 | 1,254 |
| Average earning assets | $535,351,000 | 1,242 |
| Average equity | $72,757,500 | 1,094 |
| Average total loans | $413,417,000 | 1,211 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,728 |
| Cost of funding earning assets | 0.6031% | 1,307 |
| Net interest margin | 3.5292% | 3,325 |
| Noninterest income to average assets | 0.5555% | 2,885 |
| Noninterest expense to average assets | 2.0749% | 5,043 |
| Loan and lease loss provision to assets | 0.0850% | 2,657 |
| Net operating income to assets | 1.2190% | 1,440 |
| Return on assets (ROA) | 1.3654% | 1,118 |
| Pretax return on assets | 1.8955% | 630 |
| Return on Equity (ROE) | 10.5552% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.9805% | 1,235 |
| Net charge-offs to loans | 0.0982% | 2,308 |
| Credit loss provision to net charge-offs | 118.7500% | 2,235 |
| Earnings coverage of net charge-offs (x) | 24.8175% | 1,616 |
| Efficiency ratio | 53.3671% | 5,294 |
| Assets per employee ($millions) | 6.6354% | 1,084 |
| Cash dividends to net income (ytd only)* | 33.8665% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,983 |
| Loan loss allowance to noncurrent loans | 649.8507% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,220 |
| Noncurrent loans to loans | 0.1623% | 4,585 |
| Net loans and leases to total assets | 71.5806% | 2,225 |
| Net loans and leases to deposits | 88.4034% | 1,874 |
| Net loans and leases to core deposits | 92.2470% | 2,278 |
| Total domestic deposits to total assets | 80.9703% | 4,342 |
| Equity capital to assets | 12.6873% | 1,405 |
| Core capital (leverage) ratio | 11.9589% | 1,628 |
| Tier 1 risk-based capital ratio | 12.8825% | 4,145 |
| Total risk-based capital ratio | 13.7236% | 4,281 |
| Memoranda: | ||
| Average total assets | $558,589,800 | 1,246 |
| Average earning assets | $521,766,800 | 1,232 |
| Average equity | $72,258,400 | 1,094 |
| Average total loans | $407,238,200 | 1,185 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,558 |
| Cost of funding earning assets | 0.6041% | 1,293 |
| Net interest margin | 3.5816% | 3,153 |
| Noninterest income to average assets | 0.5397% | 2,981 |
| Noninterest expense to average assets | 2.0046% | 5,190 |
| Loan and lease loss provision to assets | 0.0672% | 2,876 |
| Net operating income to assets | 1.2680% | 1,390 |
| Return on assets (ROA) | 1.4325% | 1,052 |
| Pretax return on assets | 2.0509% | 510 |
| Return on Equity (ROE) | 11.0193% | 1,660 |
| Retained earnings to average equity (ytd only) | 6.2508% | 2,035 |
| Net charge-offs to loans | 0.0233% | 3,213 |
| Credit loss provision to net charge-offs | 394.3662% | 848 |
| Earnings coverage of net charge-offs (x) | 110.5262% | 611 |
| Efficiency ratio | 51.0679% | 5,439 |
| Assets per employee ($millions) | 6.4881% | 1,118 |
| Cash dividends to net income (ytd only)* | 43.2735% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,842 |
| Loan loss allowance to noncurrent loans | 183.1089% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 3,162 |
| Noncurrent loans to loans | 0.6002% | 3,212 |
| Net loans and leases to total assets | 73.2396% | 1,990 |
| Net loans and leases to deposits | 91.4127% | 1,579 |
| Net loans and leases to core deposits | 95.9796% | 1,990 |
| Total domestic deposits to total assets | 80.1197% | 4,487 |
| Equity capital to assets | 13.3682% | 1,311 |
| Core capital (leverage) ratio | 12.7549% | 1,288 |
| Tier 1 risk-based capital ratio | 14.0819% | 3,517 |
| Total risk-based capital ratio | 14.9936% | 3,627 |
| Memoranda: | ||
| Average total assets | $555,577,000 | 1,252 |
| Average earning assets | $519,340,750 | 1,232 |
| Average equity | $72,223,250 | 1,100 |
| Average total loans | $405,842,250 | 1,191 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 2,352 |
| Cost of funding earning assets | 0.6009% | 1,309 |
| Net interest margin | 3.6427% | 2,927 |
| Noninterest income to average assets | 0.4934% | 3,241 |
| Noninterest expense to average assets | 1.9955% | 5,276 |
| Loan and lease loss provision to assets | 0.0697% | 2,748 |
| Net operating income to assets | 1.2777% | 1,341 |
| Return on assets (ROA) | 1.4856% | 962 |
| Pretax return on assets | 2.1234% | 444 |
| Return on Equity (ROE) | 11.5360% | 1,466 |
| Retained earnings to average equity (ytd only) | 7.9361% | 1,190 |
| Net charge-offs to loans | 0.0193% | 3,114 |
| Credit loss provision to net charge-offs | 497.4359% | 662 |
| Earnings coverage of net charge-offs (x) | 135.3846% | 441 |
| Efficiency ratio | 50.7890% | 5,519 |
| Assets per employee ($millions) | 6.9538% | 891 |
| Cash dividends to net income (ytd only)* | 31.2062% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 4,041 |
| Loan loss allowance to noncurrent loans | 506.1644% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 4,305 |
| Noncurrent loans to loans | 0.2136% | 4,587 |
| Net loans and leases to total assets | 74.8082% | 1,684 |
| Net loans and leases to deposits | 92.0004% | 1,515 |
| Net loans and leases to core deposits | 96.5417% | 1,931 |
| Total domestic deposits to total assets | 81.3129% | 4,183 |
| Equity capital to assets | 13.6356% | 1,166 |
| Core capital (leverage) ratio | 12.7880% | 1,240 |
| Tier 1 risk-based capital ratio | 14.4074% | 3,375 |
| Total risk-based capital ratio | 15.3241% | 3,480 |
| Memoranda: | ||
| Average total assets | $556,940,330 | 1,257 |
| Average earning assets | $519,558,330 | 1,236 |
| Average equity | $71,723,000 | 1,108 |
| Average total loans | $404,991,330 | 1,200 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 2,517 |
| Cost of funding earning assets | 0.5904% | 1,405 |
| Net interest margin | 3.5979% | 3,086 |
| Noninterest income to average assets | 0.4282% | 3,630 |
| Noninterest expense to average assets | 1.9758% | 5,391 |
| Loan and lease loss provision to assets | 0.0751% | 2,456 |
| Net operating income to assets | 1.2171% | 1,500 |
| Return on assets (ROA) | 1.3399% | 1,233 |
| Pretax return on assets | 1.8858% | 715 |
| Return on Equity (ROE) | 10.7075% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.7075% | 708 |
| Net charge-offs to loans | 0.0089% | 2,824 |
| Credit loss provision to net charge-offs | 1,177.7778% | 334 |
| Earnings coverage of net charge-offs (x) | 280.2222% | 214 |
| Efficiency ratio | 51.9872% | 5,517 |
| Assets per employee ($millions) | 7.1984% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 4,161 |
| Loan loss allowance to noncurrent loans | 387.5996% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 4,205 |
| Noncurrent loans to loans | 0.2789% | 4,433 |
| Net loans and leases to total assets | 72.2453% | 1,996 |
| Net loans and leases to deposits | 89.1626% | 1,682 |
| Net loans and leases to core deposits | 93.3810% | 2,061 |
| Total domestic deposits to total assets | 81.0264% | 4,488 |
| Equity capital to assets | 12.9296% | 1,445 |
| Core capital (leverage) ratio | 12.4796% | 1,348 |
| Tier 1 risk-based capital ratio | 13.8117% | 3,805 |
| Total risk-based capital ratio | 14.6989% | 3,934 |
| Memoranda: | ||
| Average total assets | $564,213,000 | 1,246 |
| Average earning assets | $523,078,000 | 1,232 |
| Average equity | $70,605,000 | 1,115 |
| Average total loans | $402,392,000 | 1,196 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 2,640 |
| Cost of funding earning assets | 0.5884% | 1,446 |
| Net interest margin | 3.5875% | 3,185 |
| Noninterest income to average assets | 0.4992% | 3,334 |
| Noninterest expense to average assets | 1.9390% | 5,561 |
| Loan and lease loss provision to assets | 0.0219% | 3,947 |
| Net operating income to assets | 1.3574% | 1,129 |
| Return on assets (ROA) | 1.4237% | 1,036 |
| Pretax return on assets | 1.9795% | 561 |
| Return on Equity (ROE) | 11.2896% | 1,513 |
| Retained earnings to average equity (ytd only) | 7.4471% | 1,113 |
| Net charge-offs to loans | 0.0216% | 3,837 |
| Credit loss provision to net charge-offs | 142.6829% | 1,846 |
| Earnings coverage of net charge-offs (x) | 124.1220% | 491 |
| Efficiency ratio | 49.8635% | 5,767 |
| Assets per employee ($millions) | 7.4543% | 718 |
| Cash dividends to net income (ytd only)* | 34.0361% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 4,211 |
| Loan loss allowance to noncurrent loans | 319.8057% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 4,167 |
| Noncurrent loans to loans | 0.3345% | 4,263 |
| Net loans and leases to total assets | 68.9375% | 2,556 |
| Net loans and leases to deposits | 84.9827% | 2,242 |
| Net loans and leases to core deposits | 88.8093% | 2,523 |
| Total domestic deposits to total assets | 81.1194% | 4,446 |
| Equity capital to assets | 12.1643% | 1,838 |
| Core capital (leverage) ratio | 12.2670% | 1,471 |
| Tier 1 risk-based capital ratio | 13.8795% | 3,781 |
| Total risk-based capital ratio | 14.7726% | 3,928 |
| Memoranda: | ||
| Average total assets | $533,058,400 | 1,265 |
| Average earning assets | $497,642,800 | 1,259 |
| Average equity | $67,221,000 | 1,128 |
| Average total loans | $379,778,000 | 1,214 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,594 |
| Cost of funding earning assets | 0.5848% | 1,503 |
| Net interest margin | 3.6092% | 3,123 |
| Noninterest income to average assets | 0.5088% | 3,307 |
| Noninterest expense to average assets | 1.9374% | 5,587 |
| Loan and lease loss provision to assets | 0.0056% | 4,157 |
| Net operating income to assets | 1.4133% | 1,078 |
| Return on assets (ROA) | 1.4998% | 955 |
| Pretax return on assets | 2.0761% | 526 |
| Return on Equity (ROE) | 11.7786% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.6053% | 1,883 |
| Net charge-offs to loans | -0.0021% | 4,708 |
| Credit loss provision to net charge-offs | -366.6667% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1661% | 5,819 |
| Assets per employee ($millions) | 6.6319% | 1,011 |
| Cash dividends to net income (ytd only)* | 43.9210% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,971 |
| Loan loss allowance to noncurrent loans | 399.2523% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 4,405 |
| Noncurrent loans to loans | 0.2866% | 4,556 |
| Net loans and leases to total assets | 70.4548% | 2,321 |
| Net loans and leases to deposits | 86.6630% | 2,074 |
| Net loans and leases to core deposits | 90.3375% | 2,432 |
| Total domestic deposits to total assets | 81.2975% | 4,395 |
| Equity capital to assets | 12.9178% | 1,492 |
| Core capital (leverage) ratio | 12.4619% | 1,436 |
| Tier 1 risk-based capital ratio | 14.6972% | 3,440 |
| Total risk-based capital ratio | 15.6669% | 3,535 |
| Memoranda: | ||
| Average total assets | $522,827,750 | 1,298 |
| Average earning assets | $491,102,750 | 1,278 |
| Average equity | $66,571,000 | 1,143 |
| Average total loans | $374,730,750 | 1,227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 2,746 |
| Cost of funding earning assets | 0.5741% | 1,615 |
| Net interest margin | 3.5678% | 3,220 |
| Noninterest income to average assets | 0.5110% | 3,298 |
| Noninterest expense to average assets | 1.9301% | 5,662 |
| Loan and lease loss provision to assets | 0.0061% | 3,975 |
| Net operating income to assets | 1.3972% | 1,094 |
| Return on assets (ROA) | 1.4975% | 945 |
| Pretax return on assets | 2.0644% | 526 |
| Return on Equity (ROE) | 11.8184% | 1,428 |
| Retained earnings to average equity (ytd only) | 7.9182% | 1,297 |
| Net charge-offs to loans | -0.0005% | 4,548 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4352% | 5,877 |
| Assets per employee ($millions) | 6.7876% | 933 |
| Cash dividends to net income (ytd only)* | 33.0010% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 4,188 |
| Loan loss allowance to noncurrent loans | 294.2680% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 4,273 |
| Noncurrent loans to loans | 0.3836% | 4,333 |
| Net loans and leases to total assets | 70.5019% | 2,244 |
| Net loans and leases to deposits | 86.2731% | 2,024 |
| Net loans and leases to core deposits | 90.4872% | 2,302 |
| Total domestic deposits to total assets | 81.7194% | 4,378 |
| Equity capital to assets | 12.5550% | 1,629 |
| Core capital (leverage) ratio | 12.2064% | 1,536 |
| Tier 1 risk-based capital ratio | 14.5930% | 3,582 |
| Total risk-based capital ratio | 15.5637% | 3,673 |
| Memoranda: | ||
| Average total assets | $522,463,670 | 1,306 |
| Average earning assets | $490,897,000 | 1,292 |
| Average equity | $66,201,670 | 1,158 |
| Average total loans | $375,174,670 | 1,229 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 2,943 |
| Cost of funding earning assets | 0.5659% | 1,697 |
| Net interest margin | 3.5072% | 3,411 |
| Noninterest income to average assets | 0.5033% | 3,263 |
| Noninterest expense to average assets | 1.9176% | 5,728 |
| Loan and lease loss provision to assets | 0.0054% | 3,638 |
| Net operating income to assets | 1.3102% | 1,235 |
| Return on assets (ROA) | 1.5276% | 848 |
| Pretax return on assets | 2.1727% | 404 |
| Return on Equity (ROE) | 11.9998% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.9998% | 576 |
| Net charge-offs to loans | -0.0011% | 4,325 |
| Credit loss provision to net charge-offs | -700.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1324% | 5,909 |
| Assets per employee ($millions) | 6.8321% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 4,303 |
| Loan loss allowance to noncurrent loans | 332.7074% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 4,496 |
| Noncurrent loans to loans | 0.3433% | 4,558 |
| Net loans and leases to total assets | 69.9461% | 2,147 |
| Net loans and leases to deposits | 85.7064% | 1,871 |
| Net loans and leases to core deposits | 88.5886% | 2,261 |
| Total domestic deposits to total assets | 81.6112% | 4,634 |
| Equity capital to assets | 12.7373% | 1,549 |
| Core capital (leverage) ratio | 12.3502% | 1,426 |
| Tier 1 risk-based capital ratio | 13.8457% | 4,122 |
| Total risk-based capital ratio | 14.7725% | 4,230 |
| Memoranda: | ||
| Average total assets | $518,980,000 | 1,320 |
| Average earning assets | $485,625,500 | 1,305 |
| Average equity | $66,067,500 | 1,162 |
| Average total loans | $374,002,000 | 1,229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 2,788 |
| Cost of funding earning assets | 0.6232% | 1,584 |
| Net interest margin | 3.6244% | 3,319 |
| Noninterest income to average assets | 0.5201% | 3,359 |
| Noninterest expense to average assets | 1.9740% | 5,813 |
| Loan and lease loss provision to assets | 0.0177% | 4,258 |
| Net operating income to assets | 1.3432% | 1,201 |
| Return on assets (ROA) | 1.3456% | 1,247 |
| Pretax return on assets | 1.9134% | 618 |
| Return on Equity (ROE) | 10.6017% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.7008% | 1,547 |
| Net charge-offs to loans | 0.0215% | 4,412 |
| Credit loss provision to net charge-offs | 112.8205% | 2,105 |
| Earnings coverage of net charge-offs (x) | 122.7436% | 430 |
| Efficiency ratio | 49.0505% | 6,141 |
| Assets per employee ($millions) | 6.4796% | 1,061 |
| Cash dividends to net income (ytd only)* | 36.7949% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 4,392 |
| Loan loss allowance to noncurrent loans | 340.8835% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 4,545 |
| Noncurrent loans to loans | 0.3313% | 4,654 |
| Net loans and leases to total assets | 72.5825% | 1,810 |
| Net loans and leases to deposits | 86.3431% | 1,938 |
| Net loans and leases to core deposits | 89.2439% | 2,358 |
| Total domestic deposits to total assets | 84.0630% | 3,689 |
| Equity capital to assets | 12.7231% | 1,521 |
| Core capital (leverage) ratio | 12.0070% | 1,608 |
| Tier 1 risk-based capital ratio | 14.3178% | 3,889 |
| Total risk-based capital ratio | 14.6172% | 4,424 |
| Memoranda: | ||
| Average total assets | $496,660,800 | 1,339 |
| Average earning assets | $463,383,200 | 1,325 |
| Average equity | $63,036,800 | 1,159 |
| Average total loans | $362,409,800 | 1,224 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,825 |
| Cost of funding earning assets | 0.6124% | 1,741 |
| Net interest margin | 3.6323% | 3,301 |
| Noninterest income to average assets | 0.5094% | 3,488 |
| Noninterest expense to average assets | 1.9908% | 5,785 |
| Loan and lease loss provision to assets | 0.0070% | 4,280 |
| Net operating income to assets | 1.3420% | 1,263 |
| Return on assets (ROA) | 1.3337% | 1,339 |
| Pretax return on assets | 1.8999% | 720 |
| Return on Equity (ROE) | 10.5147% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.8935% | 1,413 |
| Net charge-offs to loans | 0.0204% | 4,121 |
| Credit loss provision to net charge-offs | 47.2727% | 3,151 |
| Earnings coverage of net charge-offs (x) | 128.9663% | 462 |
| Efficiency ratio | 49.0313% | 6,153 |
| Assets per employee ($millions) | 6.6984% | 918 |
| Cash dividends to net income (ytd only)* | 24.9291% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 4,184 |
| Loan loss allowance to noncurrent loans | 322.7168% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 4,685 |
| Noncurrent loans to loans | 0.3740% | 4,788 |
| Net loans and leases to total assets | 67.6169% | 2,597 |
| Net loans and leases to deposits | 80.7647% | 2,578 |
| Net loans and leases to core deposits | 83.0040% | 2,998 |
| Total domestic deposits to total assets | 83.7209% | 3,871 |
| Equity capital to assets | 12.7155% | 1,575 |
| Core capital (leverage) ratio | 12.4094% | 1,453 |
| Tier 1 risk-based capital ratio | 15.2923% | 3,424 |
| Total risk-based capital ratio | 15.6279% | 3,901 |
| Memoranda: | ||
| Average total assets | $492,853,750 | 1,360 |
| Average earning assets | $461,369,000 | 1,340 |
| Average equity | $62,514,000 | 1,178 |
| Average total loans | $359,065,750 | 1,240 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,432 |
| Cost of funding earning assets | 0.6065% | 1,853 |
| Net interest margin | 3.7329% | 2,830 |
| Noninterest income to average assets | 0.5248% | 3,308 |
| Noninterest expense to average assets | 2.0183% | 5,809 |
| Loan and lease loss provision to assets | 0.0094% | 4,046 |
| Net operating income to assets | 1.3946% | 1,077 |
| Return on assets (ROA) | 1.3954% | 1,120 |
| Pretax return on assets | 1.9933% | 564 |
| Return on Equity (ROE) | 11.0110% | 1,742 |
| Retained earnings to average equity (ytd only) | 7.0320% | 1,756 |
| Net charge-offs to loans | 0.0033% | 4,276 |
| Credit loss provision to net charge-offs | 383.3333% | 718 |
| Earnings coverage of net charge-offs (x) | 813.0000% | 80 |
| Efficiency ratio | 48.2903% | 6,278 |
| Assets per employee ($millions) | 6.1447% | 1,203 |
| Cash dividends to net income (ytd only)* | 36.1364% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 4,317 |
| Loan loss allowance to noncurrent loans | 288.0081% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 4,502 |
| Noncurrent loans to loans | 0.4245% | 4,723 |
| Net loans and leases to total assets | 72.5837% | 1,637 |
| Net loans and leases to deposits | 86.4977% | 1,771 |
| Net loans and leases to core deposits | 88.6535% | 2,241 |
| Total domestic deposits to total assets | 83.9140% | 3,953 |
| Equity capital to assets | 13.3496% | 1,213 |
| Core capital (leverage) ratio | 12.2934% | 1,506 |
| Tier 1 risk-based capital ratio | 14.9118% | 3,684 |
| Total risk-based capital ratio | 15.7649% | 3,862 |
| Memoranda: | ||
| Average total assets | $487,444,670 | 1,375 |
| Average earning assets | $456,368,670 | 1,346 |
| Average equity | $61,774,670 | 1,178 |
| Average total loans | $362,611,000 | 1,218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,397 |
| Cost of funding earning assets | 0.6038% | 1,942 |
| Net interest margin | 3.7288% | 2,752 |
| Noninterest income to average assets | 0.4990% | 3,418 |
| Noninterest expense to average assets | 2.0623% | 5,756 |
| Loan and lease loss provision to assets | 0.0073% | 3,724 |
| Net operating income to assets | 1.3336% | 1,139 |
| Return on assets (ROA) | 1.3336% | 1,180 |
| Pretax return on assets | 1.9208% | 630 |
| Return on Equity (ROE) | 10.7989% | 1,755 |
| Retained earnings to average equity (ytd only) | 10.7989% | 784 |
| Net charge-offs to loans | -0.0032% | 4,752 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5744% | 6,279 |
| Assets per employee ($millions) | 6.6166% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,942 |
| Loan loss allowance to noncurrent loans | 275.5354% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 4,675 |
| Noncurrent loans to loans | 0.4127% | 4,895 |
| Net loans and leases to total assets | 74.3874% | 1,211 |
| Net loans and leases to deposits | 90.8104% | 1,057 |
| Net loans and leases to core deposits | 92.8337% | 1,654 |
| Total domestic deposits to total assets | 81.9151% | 4,965 |
| Equity capital to assets | 12.5268% | 1,559 |
| Core capital (leverage) ratio | 11.9219% | 1,699 |
| Tier 1 risk-based capital ratio | 13.8973% | 4,394 |
| Total risk-based capital ratio | 14.6970% | 4,663 |
| Memoranda: | ||
| Average total assets | $494,594,500 | 1,371 |
| Average earning assets | $463,093,000 | 1,333 |
| Average equity | $61,080,500 | 1,187 |
| Average total loans | $370,078,000 | 1,194 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,677 |
| Cost of funding earning assets | 0.7329% | 1,610 |
| Net interest margin | 3.6405% | 3,281 |
| Noninterest income to average assets | 0.5983% | 3,105 |
| Noninterest expense to average assets | 2.2132% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1991% | 1,567 |
| Return on assets (ROA) | 1.1991% | 1,637 |
| Pretax return on assets | 1.7360% | 882 |
| Return on Equity (ROE) | 11.2687% | 1,680 |
| Retained earnings to average equity (ytd only) | 7.8980% | 1,090 |
| Net charge-offs to loans | 0.0208% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 118.8519% | 396 |
| Efficiency ratio | 53.9247% | 6,141 |
| Assets per employee ($millions) | 5.4393% | 1,711 |
| Cash dividends to net income (ytd only)* | 29.9120% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,132 |
| Loan loss allowance to noncurrent loans | 184.2637% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 4,196 |
| Noncurrent loans to loans | 0.5986% | 4,490 |
| Net loans and leases to total assets | 74.1363% | 1,324 |
| Net loans and leases to deposits | 87.7937% | 1,489 |
| Net loans and leases to core deposits | 90.3612% | 1,981 |
| Total domestic deposits to total assets | 84.4438% | 3,990 |
| Equity capital to assets | 10.7045% | 2,929 |
| Core capital (leverage) ratio | 10.4986% | 2,924 |
| Tier 1 risk-based capital ratio | 12.5585% | 5,253 |
| Total risk-based capital ratio | 13.2501% | 5,553 |
| Memoranda: | ||
| Average total assets | $369,694,600 | 1,766 |
| Average earning assets | $340,278,400 | 1,750 |
| Average equity | $39,339,000 | 1,777 |
| Average total loans | $259,061,000 | 1,602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 2,685 |
| Cost of funding earning assets | 0.7361% | 1,695 |
| Net interest margin | 3.6367% | 3,293 |
| Noninterest income to average assets | 0.6560% | 2,851 |
| Noninterest expense to average assets | 2.2094% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2276% | 1,538 |
| Return on assets (ROA) | 1.2276% | 1,612 |
| Pretax return on assets | 1.7913% | 924 |
| Return on Equity (ROE) | 11.5544% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.5422% | 1,217 |
| Net charge-offs to loans | 0.0032% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 824.6463% | 59 |
| Efficiency ratio | 53.1264% | 6,172 |
| Assets per employee ($millions) | 5.5256% | 1,599 |
| Cash dividends to net income (ytd only)* | 26.0691% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,692 |
| Loan loss allowance to noncurrent loans | 244.0744% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 4,587 |
| Noncurrent loans to loans | 0.5086% | 4,920 |
| Net loans and leases to total assets | 65.7475% | 2,679 |
| Net loans and leases to deposits | 76.7710% | 2,851 |
| Net loans and leases to core deposits | 78.8750% | 3,244 |
| Total domestic deposits to total assets | 85.6411% | 3,432 |
| Equity capital to assets | 10.4542% | 3,337 |
| Core capital (leverage) ratio | 10.8866% | 2,579 |
| Tier 1 risk-based capital ratio | 13.2912% | 4,909 |
| Total risk-based capital ratio | 14.0659% | 5,186 |
| Memoranda: | ||
| Average total assets | $368,290,750 | 1,783 |
| Average earning assets | $338,724,250 | 1,769 |
| Average equity | $39,130,000 | 1,801 |
| Average total loans | $253,490,250 | 1,639 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,412 |
| Cost of funding earning assets | 0.7668% | 1,607 |
| Net interest margin | 3.6748% | 3,064 |
| Noninterest income to average assets | 0.6836% | 2,725 |
| Noninterest expense to average assets | 2.2645% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2353% | 1,499 |
| Return on assets (ROA) | 1.2353% | 1,598 |
| Pretax return on assets | 1.8002% | 927 |
| Return on Equity (ROE) | 11.5616% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.0151% | 1,889 |
| Net charge-offs to loans | -0.0032% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6163% | 6,173 |
| Assets per employee ($millions) | 5.0525% | 2,052 |
| Cash dividends to net income (ytd only)* | 39.3238% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 4,629 |
| Loan loss allowance to noncurrent loans | 323.5415% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 4,804 |
| Noncurrent loans to loans | 0.3935% | 5,288 |
| Net loans and leases to total assets | 68.3369% | 2,177 |
| Net loans and leases to deposits | 79.6892% | 2,369 |
| Net loans and leases to core deposits | 82.0903% | 2,789 |
| Total domestic deposits to total assets | 85.7543% | 3,502 |
| Equity capital to assets | 10.7366% | 3,013 |
| Core capital (leverage) ratio | 10.5354% | 2,839 |
| Tier 1 risk-based capital ratio | 13.1699% | 5,019 |
| Total risk-based capital ratio | 13.9652% | 5,280 |
| Memoranda: | ||
| Average total assets | $363,966,670 | 1,800 |
| Average earning assets | $334,879,670 | 1,793 |
| Average equity | $38,887,330 | 1,802 |
| Average total loans | $253,379,670 | 1,640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 2,339 |
| Cost of funding earning assets | 0.7818% | 1,634 |
| Net interest margin | 3.6710% | 2,983 |
| Noninterest income to average assets | 0.6951% | 2,615 |
| Noninterest expense to average assets | 2.2630% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2243% | 1,453 |
| Return on assets (ROA) | 1.2243% | 1,566 |
| Pretax return on assets | 1.7829% | 913 |
| Return on Equity (ROE) | 11.4860% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.4860% | 782 |
| Net charge-offs to loans | -0.0203% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8565% | 6,242 |
| Assets per employee ($millions) | 5.2226% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,969 |
| Loan loss allowance to noncurrent loans | 292.1659% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 4,968 |
| Noncurrent loans to loans | 0.4266% | 5,352 |
| Net loans and leases to total assets | 68.7109% | 1,888 |
| Net loans and leases to deposits | 80.0382% | 2,067 |
| Net loans and leases to core deposits | 82.2962% | 2,534 |
| Total domestic deposits to total assets | 85.8476% | 3,612 |
| Equity capital to assets | 10.8142% | 3,182 |
| Core capital (leverage) ratio | 10.2774% | 3,044 |
| Tier 1 risk-based capital ratio | 12.8471% | 5,343 |
| Total risk-based capital ratio | 13.6325% | 5,606 |
| Memoranda: | ||
| Average total assets | $366,586,500 | 1,800 |
| Average earning assets | $334,622,500 | 1,811 |
| Average equity | $39,073,500 | 1,814 |
| Average total loans | $255,917,500 | 1,632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 2,116 |
| Cost of funding earning assets | 0.8899% | 1,990 |
| Net interest margin | 3.9315% | 2,691 |
| Noninterest income to average assets | 0.8504% | 2,043 |
| Noninterest expense to average assets | 2.2322% | 5,853 |
| Loan and lease loss provision to assets | 0.0844% | 4,647 |
| Net operating income to assets | 1.4757% | 967 |
| Return on assets (ROA) | 1.4826% | 1,054 |
| Pretax return on assets | 2.1725% | 438 |
| Return on Equity (ROE) | 14.0522% | 978 |
| Retained earnings to average equity (ytd only) | 6.9768% | 1,577 |
| Net charge-offs to loans | 0.0390% | 5,373 |
| Credit loss provision to net charge-offs | 297.0297% | 827 |
| Earnings coverage of net charge-offs (x) | 79.0297% | 481 |
| Efficiency ratio | 47.8947% | 6,713 |
| Assets per employee ($millions) | 5.3274% | 1,865 |
| Cash dividends to net income (ytd only)* | 50.3512% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 4,993 |
| Loan loss allowance to noncurrent loans | 305.9109% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,098 |
| Noncurrent loans to loans | 0.4008% | 5,490 |
| Net loans and leases to total assets | 69.1838% | 2,000 |
| Net loans and leases to deposits | 80.1445% | 2,260 |
| Net loans and leases to core deposits | 82.8364% | 2,683 |
| Total domestic deposits to total assets | 86.3239% | 3,187 |
| Equity capital to assets | 10.5041% | 3,527 |
| Core capital (leverage) ratio | 9.8461% | 3,611 |
| Tier 1 risk-based capital ratio | 12.3978% | 5,541 |
| Total risk-based capital ratio | 13.1760% | 5,789 |
| Memoranda: | ||
| Average total assets | $355,255,800 | 1,826 |
| Average earning assets | $327,891,400 | 1,808 |
| Average equity | $37,481,600 | 1,853 |
| Average total loans | $259,275,000 | 1,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 2,095 |
| Cost of funding earning assets | 0.8827% | 2,288 |
| Net interest margin | 3.9948% | 2,521 |
| Noninterest income to average assets | 0.7750% | 2,353 |
| Noninterest expense to average assets | 2.2549% | 5,807 |
| Loan and lease loss provision to assets | 0.0852% | 4,544 |
| Net operating income to assets | 1.4589% | 1,103 |
| Return on assets (ROA) | 1.4682% | 1,204 |
| Pretax return on assets | 2.1667% | 508 |
| Return on Equity (ROE) | 13.8997% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.5627% | 1,814 |
| Net charge-offs to loans | 0.0257% | 5,311 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 118.2311% | 363 |
| Efficiency ratio | 48.2305% | 6,706 |
| Assets per employee ($millions) | 5.3393% | 1,797 |
| Cash dividends to net income (ytd only)* | 45.5904% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,034 |
| Loan loss allowance to noncurrent loans | 227.1936% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 5,040 |
| Noncurrent loans to loans | 0.5513% | 5,340 |
| Net loans and leases to total assets | 68.0277% | 2,291 |
| Net loans and leases to deposits | 79.5404% | 2,468 |
| Net loans and leases to core deposits | 82.3241% | 2,920 |
| Total domestic deposits to total assets | 85.5259% | 3,498 |
| Equity capital to assets | 10.5145% | 3,826 |
| Core capital (leverage) ratio | 10.4527% | 2,974 |
| Tier 1 risk-based capital ratio | 12.7767% | 5,424 |
| Total risk-based capital ratio | 13.6059% | 5,704 |
| Memoranda: | ||
| Average total assets | $352,172,500 | 1,855 |
| Average earning assets | $327,781,500 | 1,834 |
| Average equity | $37,199,000 | 1,887 |
| Average total loans | $259,726,500 | 1,606 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 1,882 |
| Cost of funding earning assets | 0.9031% | 2,374 |
| Net interest margin | 4.0635% | 2,234 |
| Noninterest income to average assets | 0.7683% | 2,340 |
| Noninterest expense to average assets | 2.3022% | 5,728 |
| Loan and lease loss provision to assets | 0.0861% | 4,510 |
| Net operating income to assets | 1.4618% | 1,062 |
| Return on assets (ROA) | 1.4759% | 1,160 |
| Pretax return on assets | 2.1805% | 505 |
| Return on Equity (ROE) | 13.9503% | 1,135 |
| Retained earnings to average equity (ytd only) | 9.1556% | 1,218 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6626% | 6,731 |
| Assets per employee ($millions) | 5.1334% | 1,990 |
| Cash dividends to net income (ytd only)* | 34.3701% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,496 |
| Loan loss allowance to noncurrent loans | 78.6039% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4186% | 3,596 |
| Noncurrent loans to loans | 1.4840% | 3,685 |
| Net loans and leases to total assets | 75.4367% | 1,044 |
| Net loans and leases to deposits | 91.7801% | 973 |
| Net loans and leases to core deposits | 95.0132% | 1,506 |
| Total domestic deposits to total assets | 82.1929% | 5,057 |
| Equity capital to assets | 10.7905% | 3,352 |
| Core capital (leverage) ratio | 10.3067% | 3,040 |
| Tier 1 risk-based capital ratio | 11.9550% | 5,964 |
| Total risk-based capital ratio | 12.7333% | 6,205 |
| Memoranda: | ||
| Average total assets | $348,540,000 | 1,880 |
| Average earning assets | $324,201,330 | 1,851 |
| Average equity | $36,873,670 | 1,892 |
| Average total loans | $262,928,330 | 1,585 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 1,923 |
| Cost of funding earning assets | 0.9109% | 2,601 |
| Net interest margin | 4.0805% | 2,170 |
| Noninterest income to average assets | 0.8465% | 1,961 |
| Noninterest expense to average assets | 2.3212% | 5,715 |
| Loan and lease loss provision to assets | 0.0861% | 4,300 |
| Net operating income to assets | 1.5021% | 1,012 |
| Return on assets (ROA) | 1.5298% | 1,096 |
| Pretax return on assets | 2.2672% | 479 |
| Return on Equity (ROE) | 14.6065% | 1,061 |
| Retained earnings to average equity (ytd only) | 14.6065% | 498 |
| Net charge-offs to loans | -0.0138% | 6,054 |
| Credit loss provision to net charge-offs | -833.3333% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1904% | 6,793 |
| Assets per employee ($millions) | 4.5370% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 5,692 |
| Loan loss allowance to noncurrent loans | 98.2241% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 4,145 |
| Noncurrent loans to loans | 1.1765% | 4,369 |
| Net loans and leases to total assets | 75.4621% | 864 |
| Net loans and leases to deposits | 91.2858% | 851 |
| Net loans and leases to core deposits | 94.4054% | 1,432 |
| Total domestic deposits to total assets | 82.6658% | 5,056 |
| Equity capital to assets | 10.7581% | 3,199 |
| Core capital (leverage) ratio | 10.3519% | 2,932 |
| Tier 1 risk-based capital ratio | 11.8737% | 6,041 |
| Total risk-based capital ratio | 12.6340% | 6,322 |
| Memoranda: | ||
| Average total assets | $348,273,000 | 1,894 |
| Average earning assets | $323,199,500 | 1,864 |
| Average equity | $36,477,000 | 1,904 |
| Average total loans | $261,173,500 | 1,605 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 2,341 |
| Cost of funding earning assets | 1.0059% | 3,332 |
| Net interest margin | 4.1218% | 2,344 |
| Noninterest income to average assets | 0.7027% | 2,589 |
| Noninterest expense to average assets | 2.2419% | 6,181 |
| Loan and lease loss provision to assets | 0.0890% | 5,475 |
| Net operating income to assets | 1.4876% | 851 |
| Return on assets (ROA) | 1.4876% | 925 |
| Pretax return on assets | 2.1832% | 382 |
| Return on Equity (ROE) | 14.9493% | 748 |
| Retained earnings to average equity (ytd only) | 10.9982% | 405 |
| Net charge-offs to loans | 0.2051% | 4,518 |
| Credit loss provision to net charge-offs | 59.4059% | 5,183 |
| Earnings coverage of net charge-offs (x) | 15.1743% | 1,411 |
| Efficiency ratio | 47.6353% | 6,962 |
| Assets per employee ($millions) | 4.5094% | 2,892 |
| Cash dividends to net income (ytd only)* | 26.4301% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 5,659 |
| Loan loss allowance to noncurrent loans | 85.6398% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 4,110 |
| Noncurrent loans to loans | 1.3331% | 4,147 |
| Net loans and leases to total assets | 72.8234% | 1,489 |
| Net loans and leases to deposits | 86.5197% | 1,608 |
| Net loans and leases to core deposits | 89.3270% | 2,218 |
| Total domestic deposits to total assets | 84.1697% | 4,249 |
| Equity capital to assets | 10.1949% | 3,911 |
| Core capital (leverage) ratio | 9.8090% | 3,588 |
| Tier 1 risk-based capital ratio | 11.7069% | 6,019 |
| Total risk-based capital ratio | 12.4587% | 6,322 |
| Memoranda: | ||
| Average total assets | $337,264,200 | 1,916 |
| Average earning assets | $311,857,400 | 1,889 |
| Average equity | $33,560,000 | 1,986 |
| Average total loans | $246,243,000 | 1,697 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 2,212 |
| Cost of funding earning assets | 1.0264% | 3,489 |
| Net interest margin | 4.1736% | 2,194 |
| Noninterest income to average assets | 0.6662% | 2,793 |
| Noninterest expense to average assets | 2.2199% | 6,231 |
| Loan and lease loss provision to assets | 0.0899% | 5,332 |
| Net operating income to assets | 1.4971% | 940 |
| Return on assets (ROA) | 1.4974% | 1,020 |
| Pretax return on assets | 2.2127% | 417 |
| Return on Equity (ROE) | 15.1458% | 821 |
| Retained earnings to average equity (ytd only) | 13.3592% | 347 |
| Net charge-offs to loans | -0.0005% | 6,654 |
| Credit loss provision to net charge-offs | -22,500.0000% | 6,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0396% | 7,014 |
| Assets per employee ($millions) | 4.3319% | 3,210 |
| Cash dividends to net income (ytd only)* | 11.7961% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,581 |
| Loan loss allowance to noncurrent loans | 71.4527% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 4,026 |
| Noncurrent loans to loans | 1.9528% | 3,422 |
| Net loans and leases to total assets | 70.8797% | 1,921 |
| Net loans and leases to deposits | 85.4423% | 1,766 |
| Net loans and leases to core deposits | 87.9694% | 2,496 |
| Total domestic deposits to total assets | 82.9562% | 4,702 |
| Equity capital to assets | 10.4902% | 3,718 |
| Core capital (leverage) ratio | 10.2910% | 3,094 |
| Tier 1 risk-based capital ratio | 12.0484% | 5,862 |
| Total risk-based capital ratio | 13.0158% | 6,056 |
| Memoranda: | ||
| Average total assets | $333,646,250 | 1,945 |
| Average earning assets | $308,250,000 | 1,916 |
| Average equity | $32,985,250 | 2,012 |
| Average total loans | $243,027,750 | 1,735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 2,196 |
| Cost of funding earning assets | 1.0715% | 3,463 |
| Net interest margin | 4.1464% | 2,240 |
| Noninterest income to average assets | 0.6375% | 2,908 |
| Noninterest expense to average assets | 2.2544% | 6,233 |
| Loan and lease loss provision to assets | 0.0903% | 5,188 |
| Net operating income to assets | 1.4546% | 970 |
| Return on assets (ROA) | 1.4550% | 1,029 |
| Pretax return on assets | 2.1419% | 455 |
| Return on Equity (ROE) | 15.0286% | 800 |
| Retained earnings to average equity (ytd only) | 12.2803% | 485 |
| Net charge-offs to loans | -0.0272% | 6,895 |
| Credit loss provision to net charge-offs | -454.5455% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1750% | 7,048 |
| Assets per employee ($millions) | 4.6679% | 2,593 |
| Cash dividends to net income (ytd only)* | 18.2871% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,630 |
| Loan loss allowance to noncurrent loans | 68.3275% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 3,918 |
| Noncurrent loans to loans | 2.0321% | 3,440 |
| Net loans and leases to total assets | 73.7800% | 1,459 |
| Net loans and leases to deposits | 92.6473% | 984 |
| Net loans and leases to core deposits | 95.7213% | 1,712 |
| Total domestic deposits to total assets | 79.6353% | 5,916 |
| Equity capital to assets | 10.4644% | 3,554 |
| Core capital (leverage) ratio | 9.8116% | 3,507 |
| Tier 1 risk-based capital ratio | 11.8299% | 5,913 |
| Total risk-based capital ratio | 12.8056% | 6,116 |
| Memoranda: | ||
| Average total assets | $332,232,330 | 1,963 |
| Average earning assets | $308,366,670 | 1,924 |
| Average equity | $32,165,330 | 2,054 |
| Average total loans | $243,076,000 | 1,755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 2,495 |
| Cost of funding earning assets | 1.0843% | 3,630 |
| Net interest margin | 4.0512% | 2,469 |
| Noninterest income to average assets | 0.5680% | 3,381 |
| Noninterest expense to average assets | 2.2792% | 6,244 |
| Loan and lease loss provision to assets | 0.0889% | 4,900 |
| Net operating income to assets | 1.3412% | 1,172 |
| Return on assets (ROA) | 1.3412% | 1,220 |
| Pretax return on assets | 1.9614% | 594 |
| Return on Equity (ROE) | 14.4095% | 917 |
| Retained earnings to average equity (ytd only) | 14.4095% | 443 |
| Net charge-offs to loans | -0.0049% | 6,238 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5341% | 6,951 |
| Assets per employee ($millions) | 5.0139% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 5,057 |
| Loan loss allowance to noncurrent loans | 62.6401% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 3,938 |
| Noncurrent loans to loans | 2.1002% | 3,444 |
| Net loans and leases to total assets | 72.3710% | 1,640 |
| Net loans and leases to deposits | 94.0066% | 823 |
| Net loans and leases to core deposits | 98.2621% | 1,497 |
| Total domestic deposits to total assets | 76.9850% | 6,542 |
| Equity capital to assets | 9.5576% | 4,361 |
| Core capital (leverage) ratio | 9.5135% | 3,783 |
| Tier 1 risk-based capital ratio | 9.5599% | 7,135 |
| Total risk-based capital ratio | 10.3394% | 7,218 |
| Memoranda: | ||
| Average total assets | $337,307,500 | 1,944 |
| Average earning assets | $313,192,000 | 1,908 |
| Average equity | $31,396,000 | 2,090 |
| Average total loans | $244,125,000 | 1,763 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 3,220 |
| Cost of funding earning assets | 1.3336% | 3,669 |
| Net interest margin | 3.9467% | 3,273 |
| Noninterest income to average assets | 0.7976% | 2,299 |
| Noninterest expense to average assets | 2.3302% | 6,271 |
| Loan and lease loss provision to assets | 0.1856% | 5,373 |
| Net operating income to assets | 1.3339% | 1,097 |
| Return on assets (ROA) | 1.3341% | 1,167 |
| Pretax return on assets | 1.9310% | 572 |
| Return on Equity (ROE) | 13.6262% | 959 |
| Retained earnings to average equity (ytd only) | 2.4542% | 4,159 |
| Net charge-offs to loans | 0.0852% | 5,985 |
| Credit loss provision to net charge-offs | 306.1224% | 869 |
| Earnings coverage of net charge-offs (x) | 34.9133% | 651 |
| Efficiency ratio | 50.2573% | 7,103 |
| Assets per employee ($millions) | 4.8383% | 2,364 |
| Cash dividends to net income (ytd only)* | 81.9889% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,966 |
| Loan loss allowance to noncurrent loans | 78.5058% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1896% | 4,635 |
| Noncurrent loans to loans | 1.6656% | 4,001 |
| Net loans and leases to total assets | 70.4874% | 2,412 |
| Net loans and leases to deposits | 85.3972% | 2,208 |
| Net loans and leases to core deposits | 88.3468% | 3,006 |
| Total domestic deposits to total assets | 82.5406% | 5,001 |
| Equity capital to assets | 9.0601% | 5,058 |
| Core capital (leverage) ratio | 8.8566% | 4,768 |
| Tier 1 risk-based capital ratio | 10.9570% | 6,358 |
| Total risk-based capital ratio | 11.8580% | 6,602 |
| Memoranda: | ||
| Average total assets | $323,360,800 | 2,010 |
| Average earning assets | $298,961,800 | 1,987 |
| Average equity | $31,659,600 | 2,073 |
| Average total loans | $230,029,200 | 1,895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 2,917 |
| Cost of funding earning assets | 1.3750% | 3,745 |
| Net interest margin | 4.0186% | 3,014 |
| Noninterest income to average assets | 0.7219% | 2,694 |
| Noninterest expense to average assets | 2.3563% | 6,161 |
| Loan and lease loss provision to assets | 0.2191% | 4,873 |
| Net operating income to assets | 1.2799% | 1,381 |
| Return on assets (ROA) | 1.2802% | 1,465 |
| Pretax return on assets | 1.8568% | 837 |
| Return on Equity (ROE) | 12.8218% | 1,308 |
| Retained earnings to average equity (ytd only) | 10.9746% | 612 |
| Net charge-offs to loans | 0.0893% | 5,632 |
| Credit loss provision to net charge-offs | 345.3947% | 920 |
| Earnings coverage of net charge-offs (x) | 32.7239% | 823 |
| Efficiency ratio | 50.9839% | 7,073 |
| Assets per employee ($millions) | 4.7162% | 2,569 |
| Cash dividends to net income (ytd only)* | 14.4068% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 4,492 |
| Loan loss allowance to noncurrent loans | 131.4861% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 5,667 |
| Noncurrent loans to loans | 1.0601% | 5,121 |
| Net loans and leases to total assets | 67.1109% | 3,433 |
| Net loans and leases to deposits | 82.9557% | 2,917 |
| Net loans and leases to core deposits | 86.1574% | 3,626 |
| Total domestic deposits to total assets | 80.8997% | 5,413 |
| Equity capital to assets | 10.2142% | 3,861 |
| Core capital (leverage) ratio | 10.0390% | 3,214 |
| Tier 1 risk-based capital ratio | 12.6945% | 4,817 |
| Total risk-based capital ratio | 13.6842% | 5,015 |
| Memoranda: | ||
| Average total assets | $319,530,500 | 2,068 |
| Average earning assets | $294,984,000 | 2,041 |
| Average equity | $31,903,250 | 2,072 |
| Average total loans | $227,063,750 | 1,942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4327% | 2,828 |
| Cost of funding earning assets | 1.4285% | 3,682 |
| Net interest margin | 4.0042% | 2,996 |
| Noninterest income to average assets | 0.6203% | 3,195 |
| Noninterest expense to average assets | 2.4393% | 5,948 |
| Loan and lease loss provision to assets | 0.2848% | 4,114 |
| Net operating income to assets | 1.1094% | 1,820 |
| Return on assets (ROA) | 1.1076% | 1,899 |
| Pretax return on assets | 1.5785% | 1,362 |
| Return on Equity (ROE) | 11.1831% | 1,692 |
| Retained earnings to average equity (ytd only) | 8.3585% | 1,312 |
| Net charge-offs to loans | 0.1396% | 4,832 |
| Credit loss provision to net charge-offs | 283.0189% | 1,313 |
| Earnings coverage of net charge-offs (x) | 18.5409% | 1,287 |
| Efficiency ratio | 54.3811% | 6,833 |
| Assets per employee ($millions) | 4.4110% | 3,036 |
| Cash dividends to net income (ytd only)* | 25.2571% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 4,795 |
| Loan loss allowance to noncurrent loans | 66.9300% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 4,278 |
| Noncurrent loans to loans | 1.9774% | 3,755 |
| Net loans and leases to total assets | 72.6117% | 2,254 |
| Net loans and leases to deposits | 89.8798% | 1,874 |
| Net loans and leases to core deposits | 94.0257% | 2,708 |
| Total domestic deposits to total assets | 80.7876% | 5,478 |
| Equity capital to assets | 10.2507% | 3,703 |
| Core capital (leverage) ratio | 9.7685% | 3,451 |
| Tier 1 risk-based capital ratio | 11.9168% | 5,386 |
| Total risk-based capital ratio | 12.8661% | 5,622 |
| Memoranda: | ||
| Average total assets | $315,995,000 | 2,108 |
| Average earning assets | $290,794,000 | 2,087 |
| Average equity | $31,297,330 | 2,109 |
| Average total loans | $227,855,000 | 1,957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4138% | 2,970 |
| Cost of funding earning assets | 1.4666% | 3,765 |
| Net interest margin | 3.9472% | 3,119 |
| Noninterest income to average assets | 0.5759% | 3,450 |
| Noninterest expense to average assets | 2.4448% | 5,932 |
| Loan and lease loss provision to assets | 0.2836% | 3,760 |
| Net operating income to assets | 1.0287% | 2,071 |
| Return on assets (ROA) | 1.0296% | 2,129 |
| Pretax return on assets | 1.4644% | 1,608 |
| Return on Equity (ROE) | 10.5779% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.5779% | 1,019 |
| Net charge-offs to loans | -0.0124% | 6,942 |
| Credit loss provision to net charge-offs | -3,214.2857% | 6,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0132% | 6,760 |
| Assets per employee ($millions) | 4.2272% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 4,858 |
| Loan loss allowance to noncurrent loans | 53.4871% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.0594% | 3,432 |
| Noncurrent loans to loans | 2.4551% | 3,216 |
| Net loans and leases to total assets | 71.8568% | 2,492 |
| Net loans and leases to deposits | 89.7909% | 1,931 |
| Net loans and leases to core deposits | 91.8583% | 3,124 |
| Total domestic deposits to total assets | 80.0269% | 5,776 |
| Equity capital to assets | 10.0254% | 3,833 |
| Core capital (leverage) ratio | 9.4846% | 3,797 |
| Tier 1 risk-based capital ratio | 11.6566% | 5,523 |
| Total risk-based capital ratio | 12.5795% | 5,798 |
| Memoranda: | ||
| Average total assets | $317,403,500 | 2,143 |
| Average earning assets | $290,741,000 | 2,140 |
| Average equity | $30,894,500 | 2,150 |
| Average total loans | $226,555,500 | 2,019 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5614% | 3,806 |
| Cost of funding earning assets | 1.7349% | 4,335 |
| Net interest margin | 3.8265% | 3,592 |
| Noninterest income to average assets | 0.7759% | 2,533 |
| Noninterest expense to average assets | 2.4864% | 6,184 |
| Loan and lease loss provision to assets | 0.3559% | 4,667 |
| Net operating income to assets | 1.0588% | 1,632 |
| Return on assets (ROA) | 1.0581% | 1,677 |
| Pretax return on assets | 1.4632% | 1,281 |
| Return on Equity (ROE) | 11.0840% | 1,396 |
| Retained earnings to average equity (ytd only) | 8.0876% | 673 |
| Net charge-offs to loans | 0.1736% | 5,561 |
| Credit loss provision to net charge-offs | 279.8982% | 1,218 |
| Earnings coverage of net charge-offs (x) | 14.3130% | 1,379 |
| Efficiency ratio | 55.4136% | 7,081 |
| Assets per employee ($millions) | 4.3512% | 3,190 |
| Cash dividends to net income (ytd only)* | 27.0336% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 5,215 |
| Loan loss allowance to noncurrent loans | 49.5065% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.9948% | 3,409 |
| Noncurrent loans to loans | 2.4731% | 3,075 |
| Net loans and leases to total assets | 69.1266% | 3,452 |
| Net loans and leases to deposits | 84.8973% | 3,106 |
| Net loans and leases to core deposits | 92.6958% | 4,811 |
| Total domestic deposits to total assets | 81.4238% | 5,184 |
| Equity capital to assets | 9.4499% | 4,488 |
| Core capital (leverage) ratio | 9.0518% | 4,340 |
| Tier 1 risk-based capital ratio | 11.3991% | 5,513 |
| Total risk-based capital ratio | 12.2385% | 5,899 |
| Memoranda: | ||
| Average total assets | $309,043,600 | 2,167 |
| Average earning assets | $285,145,800 | 2,160 |
| Average equity | $29,502,000 | 2,266 |
| Average total loans | $226,357,600 | 2,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6073% | 3,822 |
| Cost of funding earning assets | 1.7674% | 4,538 |
| Net interest margin | 3.8399% | 3,482 |
| Noninterest income to average assets | 0.7939% | 2,464 |
| Noninterest expense to average assets | 2.5466% | 5,910 |
| Loan and lease loss provision to assets | 0.2180% | 5,236 |
| Net operating income to assets | 1.1127% | 1,698 |
| Return on assets (ROA) | 1.1118% | 1,761 |
| Pretax return on assets | 1.5840% | 1,204 |
| Return on Equity (ROE) | 11.6155% | 1,462 |
| Retained earnings to average equity (ytd only) | 9.6022% | 706 |
| Net charge-offs to loans | 0.1336% | 5,363 |
| Credit loss provision to net charge-offs | 220.2643% | 1,995 |
| Earnings coverage of net charge-offs (x) | 18.2202% | 1,360 |
| Efficiency ratio | 56.2193% | 6,968 |
| Assets per employee ($millions) | 4.3094% | 3,193 |
| Cash dividends to net income (ytd only)* | 17.3333% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 6,156 |
| Loan loss allowance to noncurrent loans | 57.7496% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 4,047 |
| Noncurrent loans to loans | 1.7690% | 3,967 |
| Net loans and leases to total assets | 70.6367% | 3,352 |
| Net loans and leases to deposits | 88.3195% | 2,901 |
| Net loans and leases to core deposits | 97.5764% | 4,655 |
| Total domestic deposits to total assets | 79.9787% | 5,444 |
| Equity capital to assets | 9.5649% | 4,657 |
| Core capital (leverage) ratio | 9.4172% | 4,026 |
| Tier 1 risk-based capital ratio | 11.2672% | 5,665 |
| Total risk-based capital ratio | 11.9449% | 6,227 |
| Memoranda: | ||
| Average total assets | $305,806,500 | 2,194 |
| Average earning assets | $283,194,500 | 2,178 |
| Average equity | $29,270,500 | 2,305 |
| Average total loans | $226,611,750 | 2,080 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6854% | 3,635 |
| Cost of funding earning assets | 1.8236% | 4,645 |
| Net interest margin | 3.8618% | 3,283 |
| Noninterest income to average assets | 0.9030% | 1,978 |
| Noninterest expense to average assets | 2.5763% | 5,830 |
| Loan and lease loss provision to assets | 0.1493% | 5,579 |
| Net operating income to assets | 1.2166% | 1,435 |
| Return on assets (ROA) | 1.2161% | 1,514 |
| Pretax return on assets | 1.7469% | 939 |
| Return on Equity (ROE) | 12.7027% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.7027% | 358 |
| Net charge-offs to loans | 0.1582% | 4,614 |
| Credit loss provision to net charge-offs | 125.6983% | 3,699 |
| Earnings coverage of net charge-offs (x) | 15.9721% | 1,559 |
| Efficiency ratio | 55.2952% | 7,193 |
| Assets per employee ($millions) | 3.9945% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 6,695 |
| Loan loss allowance to noncurrent loans | 52.7799% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6492% | 3,729 |
| Noncurrent loans to loans | 1.7389% | 3,901 |
| Net loans and leases to total assets | 76.6250% | 2,030 |
| Net loans and leases to deposits | 96.7775% | 1,685 |
| Net loans and leases to core deposits | 106.6475% | 3,760 |
| Total domestic deposits to total assets | 79.1765% | 5,756 |
| Equity capital to assets | 10.0252% | 3,905 |
| Core capital (leverage) ratio | 9.4096% | 4,015 |
| Tier 1 risk-based capital ratio | 11.2573% | 5,633 |
| Total risk-based capital ratio | 11.8524% | 6,229 |
| Memoranda: | ||
| Average total assets | $301,443,670 | 2,248 |
| Average earning assets | $278,678,670 | 2,232 |
| Average equity | $28,860,000 | 2,346 |
| Average total loans | $226,288,330 | 2,111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6155% | 4,260 |
| Cost of funding earning assets | 1.8368% | 4,932 |
| Net interest margin | 3.7786% | 3,541 |
| Noninterest income to average assets | 0.9475% | 1,654 |
| Noninterest expense to average assets | 2.5259% | 5,742 |
| Loan and lease loss provision to assets | 0.0789% | 5,965 |
| Net operating income to assets | 1.2735% | 1,447 |
| Return on assets (ROA) | 1.2735% | 1,548 |
| Pretax return on assets | 1.8438% | 901 |
| Return on Equity (ROE) | 13.6129% | 1,243 |
| Retained earnings to average equity (ytd only) | 13.6129% | 550 |
| Net charge-offs to loans | 0.3145% | 2,847 |
| Credit loss provision to net charge-offs | 33.8983% | 4,903 |
| Earnings coverage of net charge-offs (x) | 8.2655% | 2,219 |
| Efficiency ratio | 54.5052% | 7,169 |
| Assets per employee ($millions) | 4.0305% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 6,884 |
| Loan loss allowance to noncurrent loans | 82.1656% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0913% | 4,500 |
| Noncurrent loans to loans | 1.0560% | 4,876 |
| Net loans and leases to total assets | 74.1202% | 2,720 |
| Net loans and leases to deposits | 94.7428% | 2,148 |
| Net loans and leases to core deposits | 102.8424% | 4,254 |
| Total domestic deposits to total assets | 78.2331% | 5,933 |
| Equity capital to assets | 9.7081% | 4,374 |
| Core capital (leverage) ratio | 9.0406% | 4,639 |
| Tier 1 risk-based capital ratio | 11.1084% | 5,807 |
| Total risk-based capital ratio | 11.6495% | 6,405 |
| Memoranda: | ||
| Average total assets | $304,368,500 | 2,242 |
| Average earning assets | $282,007,500 | 2,233 |
| Average equity | $28,473,000 | 2,385 |
| Average total loans | $225,134,000 | 2,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0791% | 5,147 |
| Cost of funding earning assets | 2.4899% | 4,258 |
| Net interest margin | 3.5891% | 4,939 |
| Noninterest income to average assets | 0.8080% | 2,472 |
| Noninterest expense to average assets | 2.4338% | 6,284 |
| Loan and lease loss provision to assets | 0.0954% | 6,168 |
| Net operating income to assets | 1.0821% | 2,219 |
| Return on assets (ROA) | 1.0811% | 2,138 |
| Pretax return on assets | 1.5362% | 1,575 |
| Return on Equity (ROE) | 11.5394% | 1,741 |
| Retained earnings to average equity (ytd only) | 5.1116% | 1,955 |
| Net charge-offs to loans | 0.0502% | 6,071 |
| Credit loss provision to net charge-offs | 264.1509% | 1,753 |
| Earnings coverage of net charge-offs (x) | 45.2264% | 822 |
| Efficiency ratio | 57.2577% | 6,827 |
| Assets per employee ($millions) | 4.2532% | 3,028 |
| Cash dividends to net income (ytd only)* | 55.7026% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 6,664 |
| Loan loss allowance to noncurrent loans | 103.7936% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 4,478 |
| Noncurrent loans to loans | 0.8699% | 4,879 |
| Net loans and leases to total assets | 72.5368% | 3,479 |
| Net loans and leases to deposits | 91.7798% | 3,177 |
| Net loans and leases to core deposits | 98.4663% | 4,993 |
| Total domestic deposits to total assets | 79.0335% | 5,365 |
| Equity capital to assets | 9.0154% | 5,351 |
| Core capital (leverage) ratio | 8.9097% | 4,871 |
| Tier 1 risk-based capital ratio | 10.4454% | 6,267 |
| Total risk-based capital ratio | 11.0278% | 6,869 |
| Memoranda: | ||
| Average total assets | $293,579,800 | 2,233 |
| Average earning assets | $266,554,600 | 2,245 |
| Average equity | $27,505,800 | 2,437 |
| Average total loans | $211,098,400 | 2,194 |