Home > Iowa State Bank > Performance and Condition Ratios
Iowa State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 4,157 |
| Cost of funding earning assets | 1.1548% | 3,813 |
| Net interest margin | 3.0544% | 3,290 |
| Noninterest income to average assets | 1.6500% | 316 |
| Noninterest expense to average assets | 2.9590% | 1,207 |
| Loan and lease loss provision to assets | -0.0600% | 4,294 |
| Net operating income to assets | 1.6486% | 816 |
| Return on assets (ROA) | 1.6486% | 813 |
| Pretax return on assets | 1.7188% | 1,083 |
| Return on Equity (ROE) | 11.7400% | 1,813 |
| Retained earnings to average equity (ytd only) | 8.0829% | 1,665 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.1002% | 2,461 |
| Assets per employee ($millions) | 5.4605% | 3,358 |
| Cash dividends to net income (ytd only)* | 31.1688% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 3,971 |
| Loan loss allowance to noncurrent loans | 4,185.7143% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,686 |
| Noncurrent loans to loans | 0.0179% | 3,641 |
| Net loans and leases to total assets | 58.6300% | 2,998 |
| Net loans and leases to deposits | 71.5802% | 2,762 |
| Net loans and leases to core deposits | 76.9289% | 2,895 |
| Total domestic deposits to total assets | 81.9000% | 3,330 |
| Equity capital to assets | 14.4468% | 636 |
| Core capital (leverage) ratio | 15.8348% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $467,056,500 | 1,872 |
| Average earning assets | $453,773,500 | 1,804 |
| Average equity | $65,570,500 | 1,434 |
| Average total loans | $274,528,000 | 1,989 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 4,162 |
| Cost of funding earning assets | 1.1708% | 3,850 |
| Net interest margin | 3.0323% | 3,091 |
| Noninterest income to average assets | 1.6500% | 318 |
| Noninterest expense to average assets | 3.1977% | 870 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.3272% | 1,222 |
| Return on assets (ROA) | 1.3272% | 1,222 |
| Pretax return on assets | 1.3882% | 1,541 |
| Return on Equity (ROE) | 9.4900% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.2000% | 2,152 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.5788% | 2,049 |
| Assets per employee ($millions) | 5.4648% | 3,320 |
| Cash dividends to net income (ytd only)* | 45.1925% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 3,975 |
| Loan loss allowance to noncurrent loans | 4,604.4444% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,684 |
| Noncurrent loans to loans | 0.0164% | 3,639 |
| Net loans and leases to total assets | 58.0500% | 3,099 |
| Net loans and leases to deposits | 71.4020% | 2,840 |
| Net loans and leases to core deposits | 74.4436% | 3,127 |
| Total domestic deposits to total assets | 81.3000% | 3,357 |
| Equity capital to assets | 13.6364% | 742 |
| Core capital (leverage) ratio | 15.6106% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $444,319,000 | 1,919 |
| Average earning assets | $431,758,400 | 1,849 |
| Average equity | $62,154,400 | 1,447 |
| Average total loans | $268,708,200 | 1,977 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 4,170 |
| Cost of funding earning assets | 1.1540% | 3,878 |
| Net interest margin | 3.0415% | 3,014 |
| Noninterest income to average assets | 1.5900% | 325 |
| Noninterest expense to average assets | 3.2664% | 762 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 1.2358% | 1,444 |
| Return on assets (ROA) | 1.2358% | 1,448 |
| Pretax return on assets | 1.2928% | 1,785 |
| Return on Equity (ROE) | 8.7800% | 2,528 |
| Retained earnings to average equity (ytd only) | 4.5595% | 2,630 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.8746% | 1,800 |
| Assets per employee ($millions) | 5.2898% | 3,453 |
| Cash dividends to net income (ytd only)* | 48.0414% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 3,967 |
| Loan loss allowance to noncurrent loans | 103,850.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,849 |
| Noncurrent loans to loans | 0.0007% | 3,816 |
| Net loans and leases to total assets | 60.8900% | 2,846 |
| Net loans and leases to deposits | 74.5335% | 2,642 |
| Net loans and leases to core deposits | 77.9672% | 2,958 |
| Total domestic deposits to total assets | 81.6900% | 3,166 |
| Equity capital to assets | 14.7221% | 612 |
| Core capital (leverage) ratio | 15.6660% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $437,906,500 | 1,934 |
| Average earning assets | $425,299,250 | 1,867 |
| Average equity | $61,671,250 | 1,445 |
| Average total loans | $267,162,250 | 1,976 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 4,191 |
| Cost of funding earning assets | 1.1313% | 3,884 |
| Net interest margin | 3.0042% | 3,043 |
| Noninterest income to average assets | 1.6400% | 322 |
| Noninterest expense to average assets | 3.3328% | 695 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.1666% | 1,561 |
| Return on assets (ROA) | 1.1666% | 1,561 |
| Pretax return on assets | 1.2205% | 1,891 |
| Return on Equity (ROE) | 8.4100% | 2,615 |
| Retained earnings to average equity (ytd only) | 4.2088% | 2,641 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.9830% | 1,753 |
| Assets per employee ($millions) | 5.0090% | 3,610 |
| Cash dividends to net income (ytd only)* | 49.9608% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 3,993 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.7900% | 2,881 |
| Net loans and leases to deposits | 73.4214% | 2,738 |
| Net loans and leases to core deposits | 76.1454% | 3,029 |
| Total domestic deposits to total assets | 82.8000% | 2,905 |
| Equity capital to assets | 13.8978% | 697 |
| Core capital (leverage) ratio | 15.4234% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $437,523,667 | 1,935 |
| Average earning assets | $425,536,000 | 1,859 |
| Average equity | $60,682,333 | 1,452 |
| Average total loans | $266,413,000 | 1,985 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 4,226 |
| Cost of funding earning assets | 1.0868% | 3,899 |
| Net interest margin | 2.9557% | 3,078 |
| Noninterest income to average assets | 1.4900% | 331 |
| Noninterest expense to average assets | 3.3706% | 659 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.9342% | 2,134 |
| Return on assets (ROA) | 0.9342% | 2,151 |
| Pretax return on assets | 0.9773% | 2,443 |
| Return on Equity (ROE) | 6.7400% | 3,022 |
| Retained earnings to average equity (ytd only) | 2.7685% | 3,042 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.2775% | 1,425 |
| Assets per employee ($millions) | 4.9117% | 3,709 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 3,909 |
| Loan loss allowance to noncurrent loans | 214,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,889 |
| Noncurrent loans to loans | 0.0004% | 3,837 |
| Net loans and leases to total assets | 60.5700% | 2,800 |
| Net loans and leases to deposits | 72.9275% | 2,683 |
| Net loans and leases to core deposits | 75.0940% | 3,039 |
| Total domestic deposits to total assets | 83.0500% | 2,970 |
| Equity capital to assets | 13.9759% | 675 |
| Core capital (leverage) ratio | 15.4908% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $435,890,500 | 1,941 |
| Average earning assets | $423,998,000 | 1,869 |
| Average equity | $60,393,500 | 1,449 |
| Average total loans | $264,598,500 | 1,989 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 4,087 |
| Cost of funding earning assets | 0.7866% | 3,776 |
| Net interest margin | 3.1109% | 3,076 |
| Noninterest income to average assets | 1.5000% | 386 |
| Noninterest expense to average assets | 3.0494% | 1,043 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 1.4732% | 1,072 |
| Return on assets (ROA) | 1.4732% | 1,045 |
| Pretax return on assets | 1.5458% | 1,331 |
| Return on Equity (ROE) | 11.5700% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.1338% | 2,192 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.4089% | 2,178 |
| Assets per employee ($millions) | 4.9949% | 3,638 |
| Cash dividends to net income (ytd only)* | 46.9982% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 3,958 |
| Loan loss allowance to noncurrent loans | 212,500.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,865 |
| Noncurrent loans to loans | 0.0004% | 3,811 |
| Net loans and leases to total assets | 59.8600% | 2,852 |
| Net loans and leases to deposits | 71.9827% | 2,753 |
| Net loans and leases to core deposits | 73.7852% | 3,086 |
| Total domestic deposits to total assets | 83.1600% | 2,851 |
| Equity capital to assets | 13.7365% | 724 |
| Core capital (leverage) ratio | 15.3278% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $447,734,400 | 1,866 |
| Average earning assets | $434,501,800 | 1,795 |
| Average equity | $56,995,200 | 1,444 |
| Average total loans | $262,183,600 | 1,950 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 4,044 |
| Cost of funding earning assets | 0.7303% | 3,695 |
| Net interest margin | 3.1380% | 3,060 |
| Noninterest income to average assets | 1.4400% | 412 |
| Noninterest expense to average assets | 3.0242% | 1,040 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 1.4730% | 1,181 |
| Return on assets (ROA) | 1.4730% | 1,163 |
| Pretax return on assets | 1.5456% | 1,473 |
| Return on Equity (ROE) | 11.8000% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.3377% | 2,526 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4334% | 2,083 |
| Assets per employee ($millions) | 4.9728% | 3,625 |
| Cash dividends to net income (ytd only)* | 46.2870% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 3,894 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.3300% | 2,906 |
| Net loans and leases to deposits | 71.0789% | 2,771 |
| Net loans and leases to core deposits | 72.5021% | 3,080 |
| Total domestic deposits to total assets | 83.4800% | 2,913 |
| Equity capital to assets | 13.2619% | 765 |
| Core capital (leverage) ratio | 14.9087% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $449,780,250 | 1,854 |
| Average earning assets | $436,364,500 | 1,786 |
| Average equity | $56,149,250 | 1,449 |
| Average total loans | $261,416,500 | 1,961 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 4,040 |
| Cost of funding earning assets | 0.6671% | 3,579 |
| Net interest margin | 3.1186% | 3,177 |
| Noninterest income to average assets | 1.4100% | 354 |
| Noninterest expense to average assets | 3.0305% | 994 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3191% | 1,516 |
| Return on assets (ROA) | 1.3191% | 1,501 |
| Pretax return on assets | 1.3845% | 1,855 |
| Return on Equity (ROE) | 10.7700% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,875 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2774% | 1,951 |
| Assets per employee ($millions) | 5.3367% | 3,292 |
| Cash dividends to net income (ytd only)* | 51.2227% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 3,725 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.0600% | 3,035 |
| Net loans and leases to deposits | 68.1533% | 2,914 |
| Net loans and leases to core deposits | 69.2959% | 3,169 |
| Total domestic deposits to total assets | 83.7200% | 2,887 |
| Equity capital to assets | 12.3431% | 963 |
| Core capital (leverage) ratio | 14.2445% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $458,809,667 | 1,833 |
| Average earning assets | $445,200,667 | 1,770 |
| Average equity | $56,180,000 | 1,453 |
| Average total loans | $264,244,667 | 1,934 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,009 |
| Cost of funding earning assets | 0.5885% | 3,410 |
| Net interest margin | 3.1181% | 3,308 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 2.9629% | 1,127 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3106% | 1,645 |
| Return on assets (ROA) | 1.3106% | 1,614 |
| Pretax return on assets | 1.3751% | 1,947 |
| Return on Equity (ROE) | 10.7500% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.3839% | 2,929 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6928% | 2,126 |
| Assets per employee ($millions) | 5.2372% | 3,472 |
| Cash dividends to net income (ytd only)* | 49.9002% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,761 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.8900% | 2,774 |
| Net loans and leases to deposits | 71.7766% | 2,485 |
| Net loans and leases to core deposits | 72.6039% | 2,777 |
| Total domestic deposits to total assets | 82.0500% | 3,479 |
| Equity capital to assets | 12.5702% | 852 |
| Core capital (leverage) ratio | 13.7812% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $458,734,500 | 1,856 |
| Average earning assets | $444,497,500 | 1,791 |
| Average equity | $55,945,000 | 1,469 |
| Average total loans | $264,211,000 | 1,955 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9978% | 4,136 |
| Cost of funding earning assets | 0.1902% | 3,834 |
| Net interest margin | 2.8076% | 3,879 |
| Noninterest income to average assets | 1.4000% | 375 |
| Noninterest expense to average assets | 2.6701% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3755% | 1,194 |
| Return on assets (ROA) | 1.3755% | 1,151 |
| Pretax return on assets | 1.4479% | 1,623 |
| Return on Equity (ROE) | 11.7400% | 2,234 |
| Retained earnings to average equity (ytd only) | 7.5123% | 2,023 |
| Net charge-offs to loans | -0.0021% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.8404% | 2,382 |
| Assets per employee ($millions) | 5.7663% | 2,977 |
| Cash dividends to net income (ytd only)* | 36.0320% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 4,153 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.3900% | 3,087 |
| Net loans and leases to deposits | 67.0763% | 2,807 |
| Net loans and leases to core deposits | 67.8294% | 3,026 |
| Total domestic deposits to total assets | 82.5800% | 3,519 |
| Equity capital to assets | 11.8342% | 979 |
| Core capital (leverage) ratio | 13.4144% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $482,227,200 | 1,764 |
| Average earning assets | $467,301,800 | 1,708 |
| Average equity | $56,481,000 | 1,471 |
| Average total loans | $243,559,200 | 1,976 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8224% | 4,164 |
| Cost of funding earning assets | 0.1245% | 4,085 |
| Net interest margin | 2.6978% | 3,931 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 2.5677% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3730% | 1,162 |
| Return on assets (ROA) | 1.3730% | 1,132 |
| Pretax return on assets | 1.4452% | 1,580 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 8.1830% | 1,935 |
| Net charge-offs to loans | -0.0022% | 3,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.9869% | 2,555 |
| Assets per employee ($millions) | 6.0571% | 2,714 |
| Cash dividends to net income (ytd only)* | 30.3696% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 4,167 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.5400% | 3,142 |
| Net loans and leases to deposits | 64.4116% | 2,833 |
| Net loans and leases to core deposits | 65.6369% | 2,975 |
| Total domestic deposits to total assets | 83.1200% | 3,667 |
| Equity capital to assets | 11.1370% | 1,131 |
| Core capital (leverage) ratio | 13.2263% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $486,016,750 | 1,765 |
| Average earning assets | $471,030,000 | 1,704 |
| Average equity | $56,782,750 | 1,482 |
| Average total loans | $239,283,000 | 2,000 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6591% | 4,202 |
| Cost of funding earning assets | 0.1023% | 4,168 |
| Net interest margin | 2.5568% | 3,989 |
| Noninterest income to average assets | 1.4458% | 351 |
| Noninterest expense to average assets | 2.5694% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2847% | 1,182 |
| Return on assets (ROA) | 1.2847% | 1,167 |
| Pretax return on assets | 1.3524% | 1,578 |
| Return on Equity (ROE) | 10.8335% | 2,037 |
| Retained earnings to average equity (ytd only) | 7.7908% | 1,695 |
| Net charge-offs to loans | -0.0026% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5162% | 2,574 |
| Assets per employee ($millions) | 6.0303% | 2,715 |
| Cash dividends to net income (ytd only)* | 28.0863% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,174 |
| Loan loss allowance to noncurrent loans | 5,216.2162% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,958 |
| Noncurrent loans to loans | 0.0153% | 3,851 |
| Net loans and leases to total assets | 50.2134% | 3,356 |
| Net loans and leases to deposits | 60.0652% | 3,044 |
| Net loans and leases to core deposits | 61.2309% | 3,183 |
| Total domestic deposits to total assets | 83.5981% | 3,775 |
| Equity capital to assets | 11.5751% | 1,007 |
| Core capital (leverage) ratio | 12.7988% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,538,667 | 1,759 |
| Average earning assets | $475,049,333 | 1,708 |
| Average equity | $58,171,333 | 1,476 |
| Average total loans | $234,086,000 | 2,027 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5386% | 4,215 |
| Cost of funding earning assets | 0.1023% | 4,105 |
| Net interest margin | 2.4363% | 4,009 |
| Noninterest income to average assets | 1.5000% | 357 |
| Noninterest expense to average assets | 2.7403% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0595% | 1,657 |
| Return on assets (ROA) | 1.0595% | 1,651 |
| Pretax return on assets | 1.1149% | 2,091 |
| Return on Equity (ROE) | 8.8330% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.1575% | 1,843 |
| Net charge-offs to loans | -0.0035% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0801% | 2,093 |
| Assets per employee ($millions) | 5.8311% | 2,965 |
| Cash dividends to net income (ytd only)* | 18.9681% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,171 |
| Loan loss allowance to noncurrent loans | 4,822.5000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,989 |
| Noncurrent loans to loans | 0.0174% | 3,876 |
| Net loans and leases to total assets | 47.5670% | 3,431 |
| Net loans and leases to deposits | 56.5049% | 3,217 |
| Net loans and leases to core deposits | 57.4816% | 3,351 |
| Total domestic deposits to total assets | 84.1820% | 3,730 |
| Equity capital to assets | 11.8682% | 1,002 |
| Core capital (leverage) ratio | 12.5254% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,610,500 | 1,740 |
| Average earning assets | $481,054,000 | 1,702 |
| Average equity | $59,685,500 | 1,496 |
| Average total loans | $230,557,000 | 2,040 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7457% | 4,266 |
| Cost of funding earning assets | 0.1409% | 4,059 |
| Net interest margin | 2.6048% | 4,041 |
| Noninterest income to average assets | 1.3176% | 619 |
| Noninterest expense to average assets | 2.4573% | 2,315 |
| Loan and lease loss provision to assets | -0.1672% | 4,652 |
| Net operating income to assets | 1.4627% | 1,100 |
| Return on assets (ROA) | 1.4627% | 1,164 |
| Pretax return on assets | 1.5396% | 1,601 |
| Return on Equity (ROE) | 10.6595% | 2,288 |
| Retained earnings to average equity (ytd only) | -9.4499% | 4,761 |
| Net charge-offs to loans | -0.0589% | 4,400 |
| Credit loss provision to net charge-offs | 601.5038% | 724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1648% | 2,541 |
| Assets per employee ($millions) | 6.3057% | 2,484 |
| Cash dividends to net income (ytd only)* | 188.6523% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 4,209 |
| Loan loss allowance to noncurrent loans | 5,208.1081% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,094 |
| Noncurrent loans to loans | 0.0160% | 3,969 |
| Net loans and leases to total assets | 44.4458% | 3,805 |
| Net loans and leases to deposits | 52.5061% | 3,703 |
| Net loans and leases to core deposits | 53.3813% | 3,800 |
| Total domestic deposits to total assets | 84.6489% | 3,382 |
| Equity capital to assets | 12.1111% | 1,209 |
| Core capital (leverage) ratio | 12.1631% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,375,000 | 1,748 |
| Average earning assets | $461,339,600 | 1,710 |
| Average equity | $65,640,800 | 1,415 |
| Average total loans | $225,801,800 | 2,073 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8493% | 4,236 |
| Cost of funding earning assets | 0.1509% | 4,099 |
| Net interest margin | 2.6984% | 3,977 |
| Noninterest income to average assets | 1.3108% | 688 |
| Noninterest expense to average assets | 2.4299% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4056% | 1,522 |
| Return on assets (ROA) | 1.4056% | 1,581 |
| Pretax return on assets | 1.4795% | 2,047 |
| Return on Equity (ROE) | 9.9221% | 2,764 |
| Retained earnings to average equity (ytd only) | -15.3802% | 4,868 |
| Net charge-offs to loans | -0.0785% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1553% | 2,669 |
| Assets per employee ($millions) | 6.0562% | 2,639 |
| Cash dividends to net income (ytd only)* | 255.0091% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,614 |
| Loan loss allowance to noncurrent loans | 1,190.3930% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,833 |
| Noncurrent loans to loans | 0.1071% | 3,558 |
| Net loans and leases to total assets | 44.1284% | 3,945 |
| Net loans and leases to deposits | 52.8913% | 3,821 |
| Net loans and leases to core deposits | 53.9427% | 3,926 |
| Total domestic deposits to total assets | 83.4323% | 3,600 |
| Equity capital to assets | 12.9907% | 984 |
| Core capital (leverage) ratio | 12.6675% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,701,250 | 1,799 |
| Average earning assets | $451,367,000 | 1,756 |
| Average equity | $66,395,250 | 1,421 |
| Average total loans | $224,316,500 | 2,113 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 4,180 |
| Cost of funding earning assets | 0.1593% | 4,129 |
| Net interest margin | 2.7687% | 3,852 |
| Noninterest income to average assets | 1.2891% | 699 |
| Noninterest expense to average assets | 2.4252% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4536% | 1,412 |
| Return on assets (ROA) | 1.4536% | 1,482 |
| Pretax return on assets | 1.5301% | 1,925 |
| Return on Equity (ROE) | 9.9780% | 2,746 |
| Retained earnings to average equity (ytd only) | -25.7103% | 4,917 |
| Net charge-offs to loans | -0.0492% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3145% | 2,829 |
| Assets per employee ($millions) | 5.9565% | 2,662 |
| Cash dividends to net income (ytd only)* | 357.6707% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,091 |
| Loan loss allowance to noncurrent loans | 967.1533% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,842 |
| Noncurrent loans to loans | 0.1211% | 3,584 |
| Net loans and leases to total assets | 48.1180% | 3,713 |
| Net loans and leases to deposits | 57.7479% | 3,565 |
| Net loans and leases to core deposits | 59.0897% | 3,680 |
| Total domestic deposits to total assets | 83.3243% | 3,632 |
| Equity capital to assets | 13.1797% | 896 |
| Core capital (leverage) ratio | 12.5873% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,454,333 | 1,799 |
| Average earning assets | $448,229,333 | 1,766 |
| Average equity | $67,809,333 | 1,392 |
| Average total loans | $227,803,667 | 2,108 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0122% | 4,057 |
| Cost of funding earning assets | 0.1646% | 4,202 |
| Net interest margin | 2.8476% | 3,646 |
| Noninterest income to average assets | 1.2536% | 803 |
| Noninterest expense to average assets | 2.4281% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4802% | 1,378 |
| Return on assets (ROA) | 1.4802% | 1,439 |
| Pretax return on assets | 1.5584% | 1,833 |
| Return on Equity (ROE) | 9.6994% | 2,789 |
| Retained earnings to average equity (ytd only) | 5.1985% | 3,164 |
| Net charge-offs to loans | -0.0017% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9089% | 2,916 |
| Assets per employee ($millions) | 6.1434% | 2,462 |
| Cash dividends to net income (ytd only)* | 46.4037% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,109 |
| Loan loss allowance to noncurrent loans | 940.2174% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,950 |
| Noncurrent loans to loans | 0.1241% | 3,691 |
| Net loans and leases to total assets | 47.6991% | 3,843 |
| Net loans and leases to deposits | 58.7412% | 3,584 |
| Net loans and leases to core deposits | 60.2779% | 3,681 |
| Total domestic deposits to total assets | 81.2021% | 4,030 |
| Equity capital to assets | 15.4488% | 443 |
| Core capital (leverage) ratio | 14.9159% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,876,500 | 1,788 |
| Average earning assets | $447,114,000 | 1,752 |
| Average equity | $71,097,000 | 1,331 |
| Average total loans | $228,600,000 | 2,103 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2399% | 4,408 |
| Cost of funding earning assets | 0.2922% | 4,190 |
| Net interest margin | 2.9477% | 4,014 |
| Noninterest income to average assets | 1.3077% | 675 |
| Noninterest expense to average assets | 2.6738% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4045% | 1,009 |
| Return on assets (ROA) | 1.4045% | 1,098 |
| Pretax return on assets | 1.4784% | 1,414 |
| Return on Equity (ROE) | 8.5467% | 2,578 |
| Retained earnings to average equity (ytd only) | -1.0872% | 4,646 |
| Net charge-offs to loans | -0.0530% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3951% | 2,752 |
| Assets per employee ($millions) | 5.9620% | 2,365 |
| Cash dividends to net income (ytd only)* | 112.7206% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,438 |
| Loan loss allowance to noncurrent loans | 10,808.3333% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,431 |
| Noncurrent loans to loans | 0.0102% | 4,338 |
| Net loans and leases to total assets | 49.3070% | 3,877 |
| Net loans and leases to deposits | 60.1422% | 3,749 |
| Net loans and leases to core deposits | 61.8168% | 3,836 |
| Total domestic deposits to total assets | 81.9841% | 3,667 |
| Equity capital to assets | 15.0771% | 562 |
| Core capital (leverage) ratio | 14.5897% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,630,600 | 1,773 |
| Average earning assets | $412,666,800 | 1,726 |
| Average equity | $70,272,400 | 1,293 |
| Average total loans | $218,750,400 | 2,111 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,211 |
| Cost of funding earning assets | 0.3250% | 4,189 |
| Net interest margin | 3.1761% | 3,551 |
| Noninterest income to average assets | 1.3273% | 617 |
| Noninterest expense to average assets | 2.7377% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5797% | 767 |
| Return on assets (ROA) | 1.5797% | 837 |
| Pretax return on assets | 1.6628% | 1,042 |
| Return on Equity (ROE) | 9.3938% | 2,247 |
| Retained earnings to average equity (ytd only) | -2.1535% | 4,714 |
| Net charge-offs to loans | -0.0689% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2129% | 3,034 |
| Assets per employee ($millions) | 5.6256% | 2,602 |
| Cash dividends to net income (ytd only)* | 122.9243% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,267 |
| Loan loss allowance to noncurrent loans | 157.0995% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 2,682 |
| Noncurrent loans to loans | 0.6930% | 2,058 |
| Net loans and leases to total assets | 52.2624% | 3,950 |
| Net loans and leases to deposits | 64.9930% | 3,703 |
| Net loans and leases to core deposits | 66.9588% | 3,829 |
| Total domestic deposits to total assets | 80.4124% | 3,779 |
| Equity capital to assets | 15.7467% | 502 |
| Core capital (leverage) ratio | 15.0575% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,788,250 | 1,786 |
| Average earning assets | $403,299,500 | 1,730 |
| Average equity | $70,087,250 | 1,284 |
| Average total loans | $214,730,500 | 2,139 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 3,922 |
| Cost of funding earning assets | 0.3566% | 4,239 |
| Net interest margin | 3.4212% | 3,033 |
| Noninterest income to average assets | 1.4025% | 536 |
| Noninterest expense to average assets | 2.7932% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8235% | 478 |
| Return on assets (ROA) | 1.8235% | 528 |
| Pretax return on assets | 1.9196% | 655 |
| Return on Equity (ROE) | 10.5948% | 1,780 |
| Retained earnings to average equity (ytd only) | -4.7575% | 4,761 |
| Net charge-offs to loans | -0.0512% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2678% | 3,520 |
| Assets per employee ($millions) | 5.6091% | 2,534 |
| Cash dividends to net income (ytd only)* | 144.9040% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,039 |
| Loan loss allowance to noncurrent loans | 10,545.8333% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,563 |
| Noncurrent loans to loans | 0.0105% | 4,473 |
| Net loans and leases to total assets | 52.5752% | 3,987 |
| Net loans and leases to deposits | 65.4799% | 3,766 |
| Net loans and leases to core deposits | 67.5362% | 3,886 |
| Total domestic deposits to total assets | 80.2922% | 3,776 |
| Equity capital to assets | 16.2711% | 436 |
| Core capital (leverage) ratio | 15.6489% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,701,000 | 1,795 |
| Average earning assets | $392,550,000 | 1,748 |
| Average equity | $69,827,000 | 1,272 |
| Average total loans | $207,042,000 | 2,168 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 4,697 |
| Cost of funding earning assets | 0.4138% | 4,313 |
| Net interest margin | 3.0284% | 4,233 |
| Noninterest income to average assets | 1.3989% | 453 |
| Noninterest expense to average assets | 2.7835% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4620% | 852 |
| Return on assets (ROA) | 1.4620% | 926 |
| Pretax return on assets | 1.5385% | 1,211 |
| Return on Equity (ROE) | 8.2468% | 2,408 |
| Retained earnings to average equity (ytd only) | 3.0746% | 3,049 |
| Net charge-offs to loans | -0.1063% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4036% | 3,175 |
| Assets per employee ($millions) | 5.1769% | 2,456 |
| Cash dividends to net income (ytd only)* | 62.7178% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,273 |
| Loan loss allowance to noncurrent loans | 10,541.6667% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,450 |
| Noncurrent loans to loans | 0.0121% | 4,523 |
| Net loans and leases to total assets | 50.5749% | 4,210 |
| Net loans and leases to deposits | 63.9256% | 3,989 |
| Net loans and leases to core deposits | 66.1793% | 4,072 |
| Total domestic deposits to total assets | 79.1152% | 4,031 |
| Equity capital to assets | 17.8474% | 369 |
| Core capital (leverage) ratio | 17.5295% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,601,000 | 1,798 |
| Average earning assets | $378,941,000 | 1,743 |
| Average equity | $69,603,000 | 1,266 |
| Average total loans | $195,761,000 | 2,218 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,858 |
| Cost of funding earning assets | 0.4030% | 4,434 |
| Net interest margin | 3.0962% | 4,373 |
| Noninterest income to average assets | 1.4267% | 463 |
| Noninterest expense to average assets | 2.8604% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4747% | 1,115 |
| Return on assets (ROA) | 1.4813% | 1,157 |
| Pretax return on assets | 1.5592% | 1,617 |
| Return on Equity (ROE) | 8.4792% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.1399% | 3,455 |
| Net charge-offs to loans | -0.0183% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8235% | 2,969 |
| Assets per employee ($millions) | 5.0889% | 2,469 |
| Cash dividends to net income (ytd only)* | 62.9694% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 1,989 |
| Loan loss allowance to noncurrent loans | 10,773.9130% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 4,467 |
| Noncurrent loans to loans | 0.0119% | 4,538 |
| Net loans and leases to total assets | 47.9042% | 4,433 |
| Net loans and leases to deposits | 61.2913% | 4,228 |
| Net loans and leases to core deposits | 63.3616% | 4,310 |
| Total domestic deposits to total assets | 78.1583% | 4,337 |
| Equity capital to assets | 17.6126% | 404 |
| Core capital (leverage) ratio | 17.0368% | 409 |
| Tier 1 risk-based capital ratio | 26.7465% | 635 |
| Total risk-based capital ratio | 27.7338% | 637 |
| Memoranda: | ||
| Average total assets | $386,485,600 | 1,780 |
| Average earning assets | $372,720,000 | 1,742 |
| Average equity | $67,517,800 | 1,254 |
| Average total loans | $180,325,400 | 2,313 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5049% | 4,956 |
| Cost of funding earning assets | 0.3833% | 4,554 |
| Net interest margin | 3.1216% | 4,441 |
| Noninterest income to average assets | 1.4584% | 428 |
| Noninterest expense to average assets | 2.8502% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5371% | 1,099 |
| Return on assets (ROA) | 1.5460% | 1,125 |
| Pretax return on assets | 1.6272% | 1,535 |
| Return on Equity (ROE) | 8.8681% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,694 |
| Net charge-offs to loans | -0.0241% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7904% | 3,040 |
| Assets per employee ($millions) | 4.9232% | 2,640 |
| Cash dividends to net income (ytd only)* | 61.2221% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 1,743 |
| Loan loss allowance to noncurrent loans | 10,320.8333% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 4,549 |
| Noncurrent loans to loans | 0.0131% | 4,616 |
| Net loans and leases to total assets | 45.7941% | 4,611 |
| Net loans and leases to deposits | 58.6911% | 4,445 |
| Net loans and leases to core deposits | 60.5282% | 4,516 |
| Total domestic deposits to total assets | 78.0257% | 4,338 |
| Equity capital to assets | 17.6920% | 418 |
| Core capital (leverage) ratio | 17.5908% | 380 |
| Tier 1 risk-based capital ratio | 27.6507% | 598 |
| Total risk-based capital ratio | 28.6770% | 597 |
| Memoranda: | ||
| Average total assets | $383,872,500 | 1,803 |
| Average earning assets | $370,099,500 | 1,761 |
| Average equity | $66,919,500 | 1,263 |
| Average total loans | $177,249,750 | 2,371 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 5,001 |
| Cost of funding earning assets | 0.3659% | 4,630 |
| Net interest margin | 3.1441% | 4,464 |
| Noninterest income to average assets | 1.4795% | 409 |
| Noninterest expense to average assets | 2.8638% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5678% | 974 |
| Return on assets (ROA) | 1.5678% | 1,017 |
| Pretax return on assets | 1.6503% | 1,393 |
| Return on Equity (ROE) | 9.0395% | 2,838 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,489 |
| Net charge-offs to loans | -0.0160% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4416% | 3,220 |
| Assets per employee ($millions) | 4.9819% | 2,498 |
| Cash dividends to net income (ytd only)* | 61.1800% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 1,786 |
| Loan loss allowance to noncurrent loans | 10,245.8333% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 4,588 |
| Noncurrent loans to loans | 0.0133% | 4,660 |
| Net loans and leases to total assets | 47.1902% | 4,595 |
| Net loans and leases to deposits | 59.9826% | 4,426 |
| Net loans and leases to core deposits | 60.9929% | 4,539 |
| Total domestic deposits to total assets | 78.6731% | 4,282 |
| Equity capital to assets | 18.0838% | 370 |
| Core capital (leverage) ratio | 17.5160% | 379 |
| Tier 1 risk-based capital ratio | 27.0752% | 613 |
| Total risk-based capital ratio | 28.0814% | 623 |
| Memoranda: | ||
| Average total assets | $380,544,670 | 1,823 |
| Average earning assets | $367,289,670 | 1,773 |
| Average equity | $65,999,000 | 1,277 |
| Average total loans | $175,386,330 | 2,400 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 5,059 |
| Cost of funding earning assets | 0.3535% | 4,668 |
| Net interest margin | 3.1285% | 4,537 |
| Noninterest income to average assets | 1.5203% | 374 |
| Noninterest expense to average assets | 2.6893% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7541% | 649 |
| Return on assets (ROA) | 1.7541% | 669 |
| Pretax return on assets | 1.8464% | 879 |
| Return on Equity (ROE) | 10.3329% | 2,226 |
| Retained earnings to average equity (ytd only) | 4.1566% | 3,257 |
| Net charge-offs to loans | -0.0023% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2926% | 3,909 |
| Assets per employee ($millions) | 5.1181% | 2,379 |
| Cash dividends to net income (ytd only)* | 59.7729% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,528 |
| Loan loss allowance to noncurrent loans | 81,533.3333% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,689 |
| Noncurrent loans to loans | 0.0018% | 4,806 |
| Net loans and leases to total assets | 44.1088% | 4,746 |
| Net loans and leases to deposits | 55.5699% | 4,620 |
| Net loans and leases to core deposits | 56.4443% | 4,694 |
| Total domestic deposits to total assets | 79.3753% | 4,282 |
| Equity capital to assets | 17.5011% | 390 |
| Core capital (leverage) ratio | 17.4823% | 376 |
| Tier 1 risk-based capital ratio | 27.9639% | 562 |
| Total risk-based capital ratio | 29.0053% | 562 |
| Memoranda: | ||
| Average total assets | $381,506,500 | 1,831 |
| Average earning assets | $367,714,500 | 1,782 |
| Average equity | $64,764,000 | 1,287 |
| Average total loans | $172,514,000 | 2,451 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 4,948 |
| Cost of funding earning assets | 0.3426% | 4,330 |
| Net interest margin | 3.1281% | 4,614 |
| Noninterest income to average assets | 1.4223% | 451 |
| Noninterest expense to average assets | 2.6411% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7061% | 686 |
| Return on assets (ROA) | 1.7061% | 673 |
| Pretax return on assets | 1.7958% | 936 |
| Return on Equity (ROE) | 10.4971% | 2,289 |
| Retained earnings to average equity (ytd only) | 4.4165% | 3,104 |
| Net charge-offs to loans | -0.0456% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5261% | 3,939 |
| Assets per employee ($millions) | 5.2641% | 2,191 |
| Cash dividends to net income (ytd only)* | 57.9264% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 1,668 |
| Loan loss allowance to noncurrent loans | 61,125.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,703 |
| Noncurrent loans to loans | 0.0023% | 4,822 |
| Net loans and leases to total assets | 45.0407% | 4,780 |
| Net loans and leases to deposits | 56.0033% | 4,667 |
| Net loans and leases to core deposits | 56.7127% | 4,753 |
| Total domestic deposits to total assets | 80.4251% | 4,008 |
| Equity capital to assets | 16.4582% | 470 |
| Core capital (leverage) ratio | 16.8604% | 421 |
| Tier 1 risk-based capital ratio | 27.4324% | 595 |
| Total risk-based capital ratio | 28.4641% | 592 |
| Memoranda: | ||
| Average total assets | $380,448,400 | 1,796 |
| Average earning assets | $366,641,200 | 1,739 |
| Average equity | $61,836,000 | 1,284 |
| Average total loans | $173,335,800 | 2,406 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 4,987 |
| Cost of funding earning assets | 0.3324% | 4,293 |
| Net interest margin | 3.1107% | 4,686 |
| Noninterest income to average assets | 1.4166% | 472 |
| Noninterest expense to average assets | 2.6396% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6864% | 772 |
| Return on assets (ROA) | 1.6864% | 773 |
| Pretax return on assets | 1.7753% | 1,071 |
| Return on Equity (ROE) | 10.4090% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.9876% | 3,244 |
| Net charge-offs to loans | -0.0602% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7883% | 3,842 |
| Assets per employee ($millions) | 5.1215% | 2,310 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,878 |
| Loan loss allowance to noncurrent loans | 40,733.3333% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,825 |
| Noncurrent loans to loans | 0.0033% | 4,930 |
| Net loans and leases to total assets | 46.4641% | 4,780 |
| Net loans and leases to deposits | 57.5314% | 4,670 |
| Net loans and leases to core deposits | 58.2670% | 4,776 |
| Total domestic deposits to total assets | 80.7629% | 3,936 |
| Equity capital to assets | 15.9446% | 551 |
| Core capital (leverage) ratio | 16.9484% | 425 |
| Tier 1 risk-based capital ratio | 26.4662% | 652 |
| Total risk-based capital ratio | 27.4678% | 655 |
| Memoranda: | ||
| Average total assets | $379,491,250 | 1,809 |
| Average earning assets | $365,784,000 | 1,746 |
| Average equity | $61,483,750 | 1,293 |
| Average total loans | $172,788,250 | 2,421 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 5,026 |
| Cost of funding earning assets | 0.3253% | 4,236 |
| Net interest margin | 3.0874% | 4,750 |
| Noninterest income to average assets | 1.4092% | 477 |
| Noninterest expense to average assets | 2.6771% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6203% | 876 |
| Return on assets (ROA) | 1.6203% | 878 |
| Pretax return on assets | 1.7055% | 1,199 |
| Return on Equity (ROE) | 9.9475% | 2,585 |
| Retained earnings to average equity (ytd only) | 4.7496% | 3,208 |
| Net charge-offs to loans | -0.0306% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0843% | 3,751 |
| Assets per employee ($millions) | 5.2698% | 2,133 |
| Cash dividends to net income (ytd only)* | 52.2534% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,974 |
| Loan loss allowance to noncurrent loans | 34,171.4286% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,865 |
| Noncurrent loans to loans | 0.0039% | 4,953 |
| Net loans and leases to total assets | 46.2973% | 4,811 |
| Net loans and leases to deposits | 57.4690% | 4,670 |
| Net loans and leases to core deposits | 58.4953% | 4,771 |
| Total domestic deposits to total assets | 80.5604% | 4,112 |
| Equity capital to assets | 16.2012% | 473 |
| Core capital (leverage) ratio | 16.6545% | 430 |
| Tier 1 risk-based capital ratio | 25.9469% | 677 |
| Total risk-based capital ratio | 26.9207% | 672 |
| Memoranda: | ||
| Average total assets | $377,951,000 | 1,824 |
| Average earning assets | $364,000,670 | 1,759 |
| Average equity | $61,563,330 | 1,294 |
| Average total loans | $170,078,330 | 2,462 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 5,062 |
| Cost of funding earning assets | 0.3042% | 4,323 |
| Net interest margin | 3.0620% | 4,777 |
| Noninterest income to average assets | 1.4634% | 440 |
| Noninterest expense to average assets | 2.6637% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6585% | 752 |
| Return on assets (ROA) | 1.6585% | 756 |
| Pretax return on assets | 1.7454% | 1,012 |
| Return on Equity (ROE) | 10.1543% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.6618% | 3,732 |
| Net charge-offs to loans | -0.0602% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4137% | 4,014 |
| Assets per employee ($millions) | 4.9591% | 2,534 |
| Cash dividends to net income (ytd only)* | 63.9386% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,659 |
| Loan loss allowance to noncurrent loans | 794.3522% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,540 |
| Noncurrent loans to loans | 0.1825% | 4,149 |
| Net loans and leases to total assets | 43.1216% | 4,939 |
| Net loans and leases to deposits | 53.1991% | 4,834 |
| Net loans and leases to core deposits | 54.1488% | 4,910 |
| Total domestic deposits to total assets | 81.0571% | 4,186 |
| Equity capital to assets | 16.1312% | 475 |
| Core capital (leverage) ratio | 16.9183% | 393 |
| Tier 1 risk-based capital ratio | 27.3869% | 593 |
| Total risk-based capital ratio | 28.4289% | 597 |
| Memoranda: | ||
| Average total assets | $377,215,500 | 1,835 |
| Average earning assets | $362,899,500 | 1,777 |
| Average equity | $61,609,500 | 1,299 |
| Average total loans | $166,090,500 | 2,515 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 4,928 |
| Cost of funding earning assets | 0.2565% | 4,509 |
| Net interest margin | 3.1509% | 4,574 |
| Noninterest income to average assets | 1.3969% | 541 |
| Noninterest expense to average assets | 2.5361% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8003% | 423 |
| Return on assets (ROA) | 1.7990% | 430 |
| Pretax return on assets | 1.8937% | 608 |
| Return on Equity (ROE) | 10.9893% | 1,490 |
| Retained earnings to average equity (ytd only) | 5.5102% | 1,810 |
| Net charge-offs to loans | -0.0085% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2342% | 4,621 |
| Assets per employee ($millions) | 5.1718% | 2,284 |
| Cash dividends to net income (ytd only)* | 49.8588% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,707 |
| Loan loss allowance to noncurrent loans | 23,660.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,931 |
| Noncurrent loans to loans | 0.0060% | 5,030 |
| Net loans and leases to total assets | 43.6782% | 4,991 |
| Net loans and leases to deposits | 53.8265% | 4,908 |
| Net loans and leases to core deposits | 54.7814% | 4,973 |
| Total domestic deposits to total assets | 81.1462% | 4,087 |
| Equity capital to assets | 16.5338% | 451 |
| Core capital (leverage) ratio | 16.6423% | 397 |
| Tier 1 risk-based capital ratio | 26.4195% | 630 |
| Total risk-based capital ratio | 27.4232% | 646 |
| Memoranda: | ||
| Average total assets | $374,036,400 | 1,814 |
| Average earning assets | $360,187,800 | 1,750 |
| Average equity | $61,232,200 | 1,290 |
| Average total loans | $165,086,000 | 2,478 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 4,950 |
| Cost of funding earning assets | 0.2436% | 4,625 |
| Net interest margin | 3.1677% | 4,542 |
| Noninterest income to average assets | 1.4067% | 538 |
| Noninterest expense to average assets | 2.5272% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8350% | 432 |
| Return on assets (ROA) | 1.8333% | 445 |
| Pretax return on assets | 1.9298% | 637 |
| Return on Equity (ROE) | 11.2270% | 1,597 |
| Retained earnings to average equity (ytd only) | 5.2098% | 2,734 |
| Net charge-offs to loans | -0.0032% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6792% | 4,650 |
| Assets per employee ($millions) | 5.0158% | 2,427 |
| Cash dividends to net income (ytd only)* | 53.5959% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,814 |
| Loan loss allowance to noncurrent loans | 3,227.3973% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,943 |
| Noncurrent loans to loans | 0.0440% | 4,917 |
| Net loans and leases to total assets | 44.0796% | 5,020 |
| Net loans and leases to deposits | 55.2327% | 4,908 |
| Net loans and leases to core deposits | 56.3432% | 4,983 |
| Total domestic deposits to total assets | 79.8069% | 4,361 |
| Equity capital to assets | 17.0616% | 418 |
| Core capital (leverage) ratio | 16.5441% | 423 |
| Tier 1 risk-based capital ratio | 25.4729% | 706 |
| Total risk-based capital ratio | 26.4521% | 718 |
| Memoranda: | ||
| Average total assets | $373,160,250 | 1,827 |
| Average earning assets | $359,531,500 | 1,765 |
| Average equity | $60,934,750 | 1,307 |
| Average total loans | $164,540,250 | 2,497 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4030% | 4,966 |
| Cost of funding earning assets | 0.2411% | 4,631 |
| Net interest margin | 3.1620% | 4,515 |
| Noninterest income to average assets | 1.3183% | 603 |
| Noninterest expense to average assets | 2.5408% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7322% | 524 |
| Return on assets (ROA) | 1.7297% | 535 |
| Pretax return on assets | 1.8206% | 796 |
| Return on Equity (ROE) | 10.7521% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.7658% | 2,876 |
| Net charge-offs to loans | -0.0037% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2199% | 4,562 |
| Assets per employee ($millions) | 5.0963% | 2,279 |
| Cash dividends to net income (ytd only)* | 55.6758% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,898 |
| Loan loss allowance to noncurrent loans | 3,270.8333% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 5,015 |
| Noncurrent loans to loans | 0.0432% | 4,975 |
| Net loans and leases to total assets | 44.1724% | 5,032 |
| Net loans and leases to deposits | 54.9516% | 4,911 |
| Net loans and leases to core deposits | 55.9930% | 4,991 |
| Total domestic deposits to total assets | 80.3842% | 4,326 |
| Equity capital to assets | 16.9069% | 414 |
| Core capital (leverage) ratio | 16.1197% | 462 |
| Tier 1 risk-based capital ratio | 24.7649% | 773 |
| Total risk-based capital ratio | 25.7315% | 782 |
| Memoranda: | ||
| Average total assets | $373,823,000 | 1,828 |
| Average earning assets | $360,090,330 | 1,762 |
| Average equity | $60,137,000 | 1,319 |
| Average total loans | $164,064,670 | 2,508 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 4,999 |
| Cost of funding earning assets | 0.2319% | 4,695 |
| Net interest margin | 3.1373% | 4,538 |
| Noninterest income to average assets | 1.2842% | 617 |
| Noninterest expense to average assets | 2.4787% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7333% | 517 |
| Return on assets (ROA) | 1.7282% | 526 |
| Pretax return on assets | 1.8190% | 760 |
| Return on Equity (ROE) | 11.0219% | 1,559 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,149 |
| Net charge-offs to loans | -0.0049% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6036% | 4,765 |
| Assets per employee ($millions) | 5.0894% | 2,323 |
| Cash dividends to net income (ytd only)* | 58.6782% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,903 |
| Loan loss allowance to noncurrent loans | 3,315.4930% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,094 |
| Noncurrent loans to loans | 0.0434% | 5,021 |
| Net loans and leases to total assets | 43.3748% | 5,074 |
| Net loans and leases to deposits | 53.1405% | 4,984 |
| Net loans and leases to core deposits | 54.1332% | 5,057 |
| Total domestic deposits to total assets | 81.6229% | 4,268 |
| Equity capital to assets | 16.1089% | 476 |
| Core capital (leverage) ratio | 15.8005% | 486 |
| Tier 1 risk-based capital ratio | 24.4599% | 825 |
| Total risk-based capital ratio | 25.4264% | 831 |
| Memoranda: | ||
| Average total assets | $374,719,000 | 1,836 |
| Average earning assets | $360,562,000 | 1,772 |
| Average equity | $58,756,000 | 1,340 |
| Average total loans | $162,752,000 | 2,541 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,221 |
| Cost of funding earning assets | 0.2167% | 4,869 |
| Net interest margin | 3.0427% | 4,868 |
| Noninterest income to average assets | 1.3016% | 673 |
| Noninterest expense to average assets | 2.5072% | 3,987 |
| Loan and lease loss provision to assets | -0.1871% | 5,775 |
| Net operating income to assets | 1.8128% | 438 |
| Return on assets (ROA) | 1.8519% | 419 |
| Pretax return on assets | 1.9494% | 562 |
| Return on Equity (ROE) | 11.3141% | 1,462 |
| Retained earnings to average equity (ytd only) | 4.1948% | 2,921 |
| Net charge-offs to loans | -0.0705% | 5,481 |
| Credit loss provision to net charge-offs | 654.2056% | 529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2946% | 4,693 |
| Assets per employee ($millions) | 5.0388% | 2,347 |
| Cash dividends to net income (ytd only)* | 62.9239% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,865 |
| Loan loss allowance to noncurrent loans | 3,408.6957% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,140 |
| Noncurrent loans to loans | 0.0426% | 5,077 |
| Net loans and leases to total assets | 42.2451% | 5,224 |
| Net loans and leases to deposits | 51.2983% | 5,157 |
| Net loans and leases to core deposits | 52.3134% | 5,216 |
| Total domestic deposits to total assets | 82.3519% | 3,977 |
| Equity capital to assets | 15.2584% | 603 |
| Core capital (leverage) ratio | 15.7578% | 489 |
| Tier 1 risk-based capital ratio | 24.0544% | 862 |
| Total risk-based capital ratio | 25.0149% | 877 |
| Memoranda: | ||
| Average total assets | $374,157,400 | 1,788 |
| Average earning assets | $359,912,200 | 1,721 |
| Average equity | $61,242,000 | 1,273 |
| Average total loans | $151,788,800 | 2,621 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 5,272 |
| Cost of funding earning assets | 0.2141% | 4,932 |
| Net interest margin | 3.0382% | 4,928 |
| Noninterest income to average assets | 1.2925% | 692 |
| Noninterest expense to average assets | 2.5250% | 3,908 |
| Loan and lease loss provision to assets | -0.2501% | 5,885 |
| Net operating income to assets | 1.8449% | 447 |
| Return on assets (ROA) | 1.8873% | 433 |
| Pretax return on assets | 1.9866% | 587 |
| Return on Equity (ROE) | 11.3360% | 1,543 |
| Retained earnings to average equity (ytd only) | 6.1862% | 2,068 |
| Net charge-offs to loans | -0.0947% | 5,557 |
| Credit loss provision to net charge-offs | 660.3774% | 585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8780% | 4,559 |
| Assets per employee ($millions) | 4.9835% | 2,385 |
| Cash dividends to net income (ytd only)* | 45.4288% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,499 |
| Loan loss allowance to noncurrent loans | 7,124.2424% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 5,308 |
| Noncurrent loans to loans | 0.0223% | 5,300 |
| Net loans and leases to total assets | 38.8831% | 5,434 |
| Net loans and leases to deposits | 49.3321% | 5,333 |
| Net loans and leases to core deposits | 50.3644% | 5,372 |
| Total domestic deposits to total assets | 78.8191% | 4,765 |
| Equity capital to assets | 17.3183% | 404 |
| Core capital (leverage) ratio | 16.0711% | 461 |
| Tier 1 risk-based capital ratio | 25.9719% | 721 |
| Total risk-based capital ratio | 27.0030% | 718 |
| Memoranda: | ||
| Average total assets | $373,219,000 | 1,795 |
| Average earning assets | $359,243,750 | 1,727 |
| Average equity | $62,136,750 | 1,266 |
| Average total loans | $149,235,750 | 2,653 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2717% | 5,338 |
| Cost of funding earning assets | 0.2108% | 5,034 |
| Net interest margin | 3.0609% | 4,944 |
| Noninterest income to average assets | 1.3023% | 677 |
| Noninterest expense to average assets | 2.5424% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6177% | 689 |
| Return on assets (ROA) | 1.6813% | 636 |
| Pretax return on assets | 1.7698% | 937 |
| Return on Equity (ROE) | 10.2362% | 1,954 |
| Retained earnings to average equity (ytd only) | 4.7036% | 2,921 |
| Net charge-offs to loans | -0.0040% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8889% | 4,657 |
| Assets per employee ($millions) | 5.0791% | 2,224 |
| Cash dividends to net income (ytd only)* | 54.0497% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 703 |
| Loan loss allowance to noncurrent loans | 3,639.5062% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 5,338 |
| Noncurrent loans to loans | 0.0556% | 5,237 |
| Net loans and leases to total assets | 38.4968% | 5,492 |
| Net loans and leases to deposits | 48.6079% | 5,396 |
| Net loans and leases to core deposits | 49.5384% | 5,454 |
| Total domestic deposits to total assets | 79.1988% | 4,733 |
| Equity capital to assets | 17.3061% | 393 |
| Core capital (leverage) ratio | 15.7068% | 497 |
| Tier 1 risk-based capital ratio | 25.3400% | 785 |
| Total risk-based capital ratio | 26.5904% | 767 |
| Memoranda: | ||
| Average total assets | $373,038,330 | 1,798 |
| Average earning assets | $358,654,670 | 1,738 |
| Average equity | $61,272,670 | 1,279 |
| Average total loans | $149,754,000 | 2,651 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 5,242 |
| Cost of funding earning assets | 0.2072% | 5,134 |
| Net interest margin | 3.1323% | 4,773 |
| Noninterest income to average assets | 1.2583% | 688 |
| Noninterest expense to average assets | 2.5144% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6623% | 622 |
| Return on assets (ROA) | 1.6623% | 659 |
| Pretax return on assets | 1.7500% | 943 |
| Return on Equity (ROE) | 10.3969% | 1,822 |
| Retained earnings to average equity (ytd only) | 4.3460% | 3,309 |
| Net charge-offs to loans | -0.0026% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9621% | 4,878 |
| Assets per employee ($millions) | 5.1176% | 2,219 |
| Cash dividends to net income (ytd only)* | 58.1994% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 873 |
| Loan loss allowance to noncurrent loans | 5,260.7143% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,601 |
| Noncurrent loans to loans | 0.0373% | 5,344 |
| Net loans and leases to total assets | 39.3873% | 5,490 |
| Net loans and leases to deposits | 48.7597% | 5,395 |
| Net loans and leases to core deposits | 49.7179% | 5,451 |
| Total domestic deposits to total assets | 80.7785% | 4,558 |
| Equity capital to assets | 16.2704% | 503 |
| Core capital (leverage) ratio | 15.5436% | 529 |
| Tier 1 risk-based capital ratio | 24.4779% | 866 |
| Total risk-based capital ratio | 25.7279% | 849 |
| Memoranda: | ||
| Average total assets | $374,169,500 | 1,790 |
| Average earning assets | $359,102,500 | 1,729 |
| Average equity | $59,825,500 | 1,299 |
| Average total loans | $151,788,500 | 2,620 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 5,108 |
| Cost of funding earning assets | 0.2142% | 5,145 |
| Net interest margin | 3.2100% | 4,594 |
| Noninterest income to average assets | 1.3152% | 700 |
| Noninterest expense to average assets | 2.3469% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9512% | 374 |
| Return on assets (ROA) | 2.0009% | 352 |
| Pretax return on assets | 2.1062% | 424 |
| Return on Equity (ROE) | 12.8272% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.0427% | 1,774 |
| Net charge-offs to loans | -0.1207% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3300% | 5,562 |
| Assets per employee ($millions) | 5.2049% | 2,118 |
| Cash dividends to net income (ytd only)* | 52.8912% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 922 |
| Loan loss allowance to noncurrent loans | 14,725.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 5,560 |
| Noncurrent loans to loans | 0.0130% | 5,481 |
| Net loans and leases to total assets | 40.1706% | 5,499 |
| Net loans and leases to deposits | 49.4407% | 5,419 |
| Net loans and leases to core deposits | 51.7133% | 5,422 |
| Total domestic deposits to total assets | 81.2500% | 4,414 |
| Equity capital to assets | 15.7083% | 564 |
| Core capital (leverage) ratio | 15.3005% | 567 |
| Tier 1 risk-based capital ratio | 24.0842% | 920 |
| Total risk-based capital ratio | 25.3342% | 900 |
| Memoranda: | ||
| Average total assets | $364,735,800 | 1,797 |
| Average earning assets | $350,590,800 | 1,726 |
| Average equity | $56,894,800 | 1,312 |
| Average total loans | $141,659,600 | 2,706 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4467% | 5,104 |
| Cost of funding earning assets | 0.2136% | 5,250 |
| Net interest margin | 3.2331% | 4,566 |
| Noninterest income to average assets | 1.3380% | 680 |
| Noninterest expense to average assets | 2.3377% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0089% | 356 |
| Return on assets (ROA) | 2.0774% | 338 |
| Pretax return on assets | 2.1868% | 428 |
| Return on Equity (ROE) | 13.3421% | 1,050 |
| Retained earnings to average equity (ytd only) | 7.8341% | 1,313 |
| Net charge-offs to loans | -0.1634% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5050% | 5,616 |
| Assets per employee ($millions) | 5.4873% | 1,799 |
| Cash dividends to net income (ytd only)* | 41.2828% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 836 |
| Loan loss allowance to noncurrent loans | 6,846.5116% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,582 |
| Noncurrent loans to loans | 0.0300% | 5,503 |
| Net loans and leases to total assets | 38.1248% | 5,694 |
| Net loans and leases to deposits | 47.2318% | 5,606 |
| Net loans and leases to core deposits | 48.2863% | 5,644 |
| Total domestic deposits to total assets | 80.7186% | 4,539 |
| Equity capital to assets | 15.7748% | 599 |
| Core capital (leverage) ratio | 15.3472% | 580 |
| Tier 1 risk-based capital ratio | 24.6720% | 885 |
| Total risk-based capital ratio | 25.9225% | 873 |
| Memoranda: | ||
| Average total assets | $362,231,750 | 1,819 |
| Average earning assets | $348,925,250 | 1,751 |
| Average equity | $56,401,750 | 1,335 |
| Average total loans | $138,703,250 | 2,760 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 5,500 |
| Cost of funding earning assets | 0.2133% | 5,320 |
| Net interest margin | 3.0544% | 5,080 |
| Noninterest income to average assets | 1.3534% | 671 |
| Noninterest expense to average assets | 2.3555% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8416% | 469 |
| Return on assets (ROA) | 1.9449% | 420 |
| Pretax return on assets | 2.0470% | 548 |
| Return on Equity (ROE) | 12.5469% | 1,208 |
| Retained earnings to average equity (ytd only) | 7.3921% | 1,525 |
| Net charge-offs to loans | 0.6106% | 385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.3365% | 2,572 |
| Efficiency ratio | 54.8591% | 5,518 |
| Assets per employee ($millions) | 5.5102% | 1,726 |
| Cash dividends to net income (ytd only)* | 41.0842% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 1,689 |
| Loan loss allowance to noncurrent loans | 3,270.8333% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 5,482 |
| Noncurrent loans to loans | 0.0510% | 5,543 |
| Net loans and leases to total assets | 37.5933% | 5,753 |
| Net loans and leases to deposits | 45.5669% | 5,702 |
| Net loans and leases to core deposits | 46.4458% | 5,747 |
| Total domestic deposits to total assets | 82.5015% | 4,125 |
| Equity capital to assets | 15.0261% | 700 |
| Core capital (leverage) ratio | 15.2835% | 577 |
| Tier 1 risk-based capital ratio | 25.1036% | 853 |
| Total risk-based capital ratio | 26.1792% | 855 |
| Memoranda: | ||
| Average total assets | $360,425,670 | 1,840 |
| Average earning assets | $346,973,000 | 1,766 |
| Average equity | $55,870,330 | 1,355 |
| Average total loans | $137,234,330 | 2,785 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 5,474 |
| Cost of funding earning assets | 0.2136% | 5,382 |
| Net interest margin | 3.0752% | 5,018 |
| Noninterest income to average assets | 1.5313% | 521 |
| Noninterest expense to average assets | 2.3705% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0157% | 332 |
| Return on assets (ROA) | 2.1907% | 250 |
| Pretax return on assets | 2.3053% | 322 |
| Return on Equity (ROE) | 13.9116% | 897 |
| Retained earnings to average equity (ytd only) | 9.0603% | 1,176 |
| Net charge-offs to loans | 1.2448% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.4846% | 2,488 |
| Efficiency ratio | 52.7764% | 5,762 |
| Assets per employee ($millions) | 5.4090% | 1,871 |
| Cash dividends to net income (ytd only)* | 34.8718% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 1,565 |
| Loan loss allowance to noncurrent loans | 4,802.0408% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 5,571 |
| Noncurrent loans to loans | 0.0368% | 5,643 |
| Net loans and leases to total assets | 36.6117% | 5,798 |
| Net loans and leases to deposits | 44.9826% | 5,708 |
| Net loans and leases to core deposits | 45.8926% | 5,760 |
| Total domestic deposits to total assets | 81.3908% | 4,706 |
| Equity capital to assets | 16.0943% | 533 |
| Core capital (leverage) ratio | 15.3219% | 561 |
| Tier 1 risk-based capital ratio | 25.6150% | 825 |
| Total risk-based capital ratio | 26.7277% | 817 |
| Memoranda: | ||
| Average total assets | $356,046,000 | 1,867 |
| Average earning assets | $342,739,500 | 1,787 |
| Average equity | $56,068,500 | 1,358 |
| Average total loans | $135,279,500 | 2,824 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 5,120 |
| Cost of funding earning assets | 0.2295% | 5,529 |
| Net interest margin | 3.3545% | 4,392 |
| Noninterest income to average assets | 1.3813% | 643 |
| Noninterest expense to average assets | 2.4267% | 4,771 |
| Loan and lease loss provision to assets | 0.0728% | 3,024 |
| Net operating income to assets | 1.9974% | 329 |
| Return on assets (ROA) | 2.0864% | 290 |
| Pretax return on assets | 2.1962% | 319 |
| Return on Equity (ROE) | 14.3034% | 878 |
| Retained earnings to average equity (ytd only) | 9.4637% | 610 |
| Net charge-offs to loans | -0.0193% | 5,693 |
| Credit loss provision to net charge-offs | -961.5385% | 5,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7328% | 5,930 |
| Assets per employee ($millions) | 5.3000% | 1,961 |
| Cash dividends to net income (ytd only)* | 33.8356% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 1,079 |
| Loan loss allowance to noncurrent loans | 162.6979% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 3,934 |
| Noncurrent loans to loans | 1.2400% | 2,375 |
| Net loans and leases to total assets | 37.9417% | 5,854 |
| Net loans and leases to deposits | 46.4383% | 5,775 |
| Net loans and leases to core deposits | 47.5473% | 5,837 |
| Total domestic deposits to total assets | 81.7036% | 4,526 |
| Equity capital to assets | 15.3989% | 630 |
| Core capital (leverage) ratio | 15.2155% | 572 |
| Tier 1 risk-based capital ratio | 25.1622% | 824 |
| Total risk-based capital ratio | 26.4133% | 810 |
| Memoranda: | ||
| Average total assets | $343,508,800 | 1,897 |
| Average earning assets | $329,792,800 | 1,821 |
| Average equity | $50,107,000 | 1,437 |
| Average total loans | $134,445,200 | 2,781 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 5,125 |
| Cost of funding earning assets | 0.2313% | 5,580 |
| Net interest margin | 3.3739% | 4,337 |
| Noninterest income to average assets | 1.3599% | 667 |
| Noninterest expense to average assets | 2.4242% | 4,746 |
| Loan and lease loss provision to assets | 0.0979% | 2,407 |
| Net operating income to assets | 1.9715% | 357 |
| Return on assets (ROA) | 2.0347% | 339 |
| Pretax return on assets | 2.1420% | 414 |
| Return on Equity (ROE) | 14.1544% | 957 |
| Retained earnings to average equity (ytd only) | 8.6402% | 1,116 |
| Net charge-offs to loans | -0.0200% | 5,611 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7288% | 5,943 |
| Assets per employee ($millions) | 5.1897% | 2,029 |
| Cash dividends to net income (ytd only)* | 38.9573% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 1,189 |
| Loan loss allowance to noncurrent loans | 153.0127% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 4,008 |
| Noncurrent loans to loans | 1.3316% | 2,420 |
| Net loans and leases to total assets | 38.8556% | 5,896 |
| Net loans and leases to deposits | 47.7143% | 5,780 |
| Net loans and leases to core deposits | 48.8996% | 5,842 |
| Total domestic deposits to total assets | 81.4339% | 4,687 |
| Equity capital to assets | 15.4859% | 641 |
| Core capital (leverage) ratio | 14.9838% | 621 |
| Tier 1 risk-based capital ratio | 24.5950% | 915 |
| Total risk-based capital ratio | 25.8461% | 907 |
| Memoranda: | ||
| Average total assets | $340,611,750 | 1,918 |
| Average earning assets | $326,858,250 | 1,846 |
| Average equity | $48,963,500 | 1,473 |
| Average total loans | $133,680,500 | 2,809 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 5,177 |
| Cost of funding earning assets | 0.2337% | 5,634 |
| Net interest margin | 3.3570% | 4,367 |
| Noninterest income to average assets | 1.3889% | 627 |
| Noninterest expense to average assets | 2.4260% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0726% | 286 |
| Return on assets (ROA) | 2.1525% | 264 |
| Pretax return on assets | 2.2660% | 319 |
| Return on Equity (ROE) | 15.3727% | 736 |
| Retained earnings to average equity (ytd only) | 9.4908% | 839 |
| Net charge-offs to loans | -0.0181% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6490% | 6,020 |
| Assets per employee ($millions) | 5.2002% | 1,969 |
| Cash dividends to net income (ytd only)* | 38.2618% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 1,607 |
| Loan loss allowance to noncurrent loans | 135.3100% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 4,107 |
| Noncurrent loans to loans | 1.3965% | 2,468 |
| Net loans and leases to total assets | 37.9707% | 5,958 |
| Net loans and leases to deposits | 45.8862% | 5,889 |
| Net loans and leases to core deposits | 46.8663% | 5,957 |
| Total domestic deposits to total assets | 82.7496% | 4,397 |
| Equity capital to assets | 14.9131% | 718 |
| Core capital (leverage) ratio | 14.8217% | 631 |
| Tier 1 risk-based capital ratio | 24.8682% | 886 |
| Total risk-based capital ratio | 26.1063% | 878 |
| Memoranda: | ||
| Average total assets | $339,976,670 | 1,916 |
| Average earning assets | $326,001,330 | 1,846 |
| Average equity | $47,604,000 | 1,508 |
| Average total loans | $132,955,670 | 2,818 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 5,048 |
| Cost of funding earning assets | 0.2356% | 5,705 |
| Net interest margin | 3.4006% | 4,112 |
| Noninterest income to average assets | 1.3477% | 635 |
| Noninterest expense to average assets | 2.3963% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0997% | 284 |
| Return on assets (ROA) | 2.2603% | 223 |
| Pretax return on assets | 2.3797% | 271 |
| Return on Equity (ROE) | 16.6936% | 565 |
| Retained earnings to average equity (ytd only) | 11.2367% | 714 |
| Net charge-offs to loans | -0.0180% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0144% | 6,137 |
| Assets per employee ($millions) | 5.1310% | 2,092 |
| Cash dividends to net income (ytd only)* | 32.6883% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 1,612 |
| Loan loss allowance to noncurrent loans | 136.8306% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 4,251 |
| Noncurrent loans to loans | 1.4279% | 2,642 |
| Net loans and leases to total assets | 37.1050% | 6,011 |
| Net loans and leases to deposits | 44.2353% | 5,966 |
| Net loans and leases to core deposits | 45.2750% | 6,028 |
| Total domestic deposits to total assets | 83.8810% | 4,317 |
| Equity capital to assets | 14.1328% | 878 |
| Core capital (leverage) ratio | 14.6667% | 658 |
| Tier 1 risk-based capital ratio | 24.8073% | 911 |
| Total risk-based capital ratio | 26.0572% | 894 |
| Memoranda: | ||
| Average total assets | $338,357,500 | 1,939 |
| Average earning assets | $324,294,500 | 1,858 |
| Average equity | $45,814,000 | 1,560 |
| Average total loans | $133,018,000 | 2,834 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 5,518 |
| Cost of funding earning assets | 0.2587% | 5,916 |
| Net interest margin | 3.2974% | 4,674 |
| Noninterest income to average assets | 1.4307% | 681 |
| Noninterest expense to average assets | 2.3861% | 5,110 |
| Loan and lease loss provision to assets | 0.0727% | 3,662 |
| Net operating income to assets | 2.0166% | 329 |
| Return on assets (ROA) | 2.1956% | 246 |
| Pretax return on assets | 2.3111% | 262 |
| Return on Equity (ROE) | 16.8495% | 517 |
| Retained earnings to average equity (ytd only) | 12.6310% | 266 |
| Net charge-offs to loans | -0.0766% | 6,424 |
| Credit loss provision to net charge-offs | -242.7184% | 6,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0823% | 6,288 |
| Assets per employee ($millions) | 5.0458% | 2,134 |
| Cash dividends to net income (ytd only)* | 25.0364% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,030 |
| Loan loss allowance to noncurrent loans | 133.8692% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 4,328 |
| Noncurrent loans to loans | 1.3534% | 2,873 |
| Net loans and leases to total assets | 40.0448% | 5,958 |
| Net loans and leases to deposits | 46.9619% | 5,954 |
| Net loans and leases to core deposits | 47.9974% | 6,034 |
| Total domestic deposits to total assets | 85.2708% | 3,610 |
| Equity capital to assets | 12.9464% | 1,302 |
| Core capital (leverage) ratio | 14.3109% | 740 |
| Tier 1 risk-based capital ratio | 23.3601% | 1,044 |
| Total risk-based capital ratio | 24.5719% | 1,027 |
| Memoranda: | ||
| Average total assets | $343,820,000 | 1,879 |
| Average earning assets | $328,536,000 | 1,807 |
| Average equity | $44,802,400 | 1,558 |
| Average total loans | $134,433,200 | 2,786 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 5,657 |
| Cost of funding earning assets | 0.2606% | 6,014 |
| Net interest margin | 3.2520% | 4,818 |
| Noninterest income to average assets | 1.4806% | 674 |
| Noninterest expense to average assets | 2.3815% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0922% | 310 |
| Return on assets (ROA) | 2.2954% | 229 |
| Pretax return on assets | 2.4163% | 269 |
| Return on Equity (ROE) | 17.5876% | 478 |
| Retained earnings to average equity (ytd only) | 13.8298% | 262 |
| Net charge-offs to loans | -0.0769% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9545% | 6,259 |
| Assets per employee ($millions) | 5.1028% | 2,047 |
| Cash dividends to net income (ytd only)* | 21.3661% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 2,797 |
| Loan loss allowance to noncurrent loans | 191.3867% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 4,723 |
| Noncurrent loans to loans | 0.8624% | 4,096 |
| Net loans and leases to total assets | 40.5427% | 5,993 |
| Net loans and leases to deposits | 48.3585% | 5,937 |
| Net loans and leases to core deposits | 49.4811% | 6,041 |
| Total domestic deposits to total assets | 83.8377% | 4,260 |
| Equity capital to assets | 13.4263% | 1,153 |
| Core capital (leverage) ratio | 14.2626% | 799 |
| Tier 1 risk-based capital ratio | 23.0413% | 1,136 |
| Total risk-based capital ratio | 24.1267% | 1,147 |
| Memoranda: | ||
| Average total assets | $345,257,250 | 1,882 |
| Average earning assets | $329,470,250 | 1,816 |
| Average equity | $45,061,000 | 1,567 |
| Average total loans | $133,572,000 | 2,813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 5,892 |
| Cost of funding earning assets | 0.2588% | 6,113 |
| Net interest margin | 3.1471% | 5,128 |
| Noninterest income to average assets | 1.4453% | 757 |
| Noninterest expense to average assets | 2.3637% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9800% | 368 |
| Return on assets (ROA) | 2.2687% | 245 |
| Pretax return on assets | 2.3882% | 313 |
| Return on Equity (ROE) | 17.5386% | 505 |
| Retained earnings to average equity (ytd only) | 14.7013% | 258 |
| Net charge-offs to loans | -0.1726% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1406% | 6,212 |
| Assets per employee ($millions) | 5.0313% | 2,076 |
| Cash dividends to net income (ytd only)* | 16.1776% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 2,760 |
| Loan loss allowance to noncurrent loans | 181.9646% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 4,751 |
| Noncurrent loans to loans | 0.9378% | 4,048 |
| Net loans and leases to total assets | 39.8047% | 6,056 |
| Net loans and leases to deposits | 46.9444% | 6,046 |
| Net loans and leases to core deposits | 47.9984% | 6,129 |
| Total domestic deposits to total assets | 84.7910% | 3,998 |
| Equity capital to assets | 12.7246% | 1,455 |
| Core capital (leverage) ratio | 14.2239% | 771 |
| Tier 1 risk-based capital ratio | 23.1454% | 1,105 |
| Total risk-based capital ratio | 24.2865% | 1,115 |
| Memoranda: | ||
| Average total assets | $351,482,330 | 1,854 |
| Average earning assets | $335,359,330 | 1,788 |
| Average equity | $45,465,330 | 1,559 |
| Average total loans | $133,220,330 | 2,819 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 6,019 |
| Cost of funding earning assets | 0.2524% | 6,275 |
| Net interest margin | 3.1105% | 5,222 |
| Noninterest income to average assets | 1.2626% | 959 |
| Noninterest expense to average assets | 2.2348% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8964% | 413 |
| Return on assets (ROA) | 2.3843% | 196 |
| Pretax return on assets | 2.5097% | 265 |
| Return on Equity (ROE) | 18.2988% | 412 |
| Retained earnings to average equity (ytd only) | 18.2988% | 186 |
| Net charge-offs to loans | 0.0269% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 201.6667% | 202 |
| Efficiency ratio | 52.8204% | 6,325 |
| Assets per employee ($millions) | 4.9303% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,320 |
| Loan loss allowance to noncurrent loans | 162.8049% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 4,297 |
| Noncurrent loans to loans | 0.9945% | 4,139 |
| Net loans and leases to total assets | 39.2908% | 6,055 |
| Net loans and leases to deposits | 47.5007% | 5,957 |
| Net loans and leases to core deposits | 48.6332% | 6,059 |
| Total domestic deposits to total assets | 82.7163% | 4,945 |
| Equity capital to assets | 14.5267% | 868 |
| Core capital (leverage) ratio | 13.9300% | 814 |
| Tier 1 risk-based capital ratio | 23.8951% | 1,032 |
| Total risk-based capital ratio | 25.0379% | 1,023 |
| Memoranda: | ||
| Average total assets | $363,705,000 | 1,813 |
| Average earning assets | $347,080,500 | 1,750 |
| Average equity | $47,391,000 | 1,520 |
| Average total loans | $133,612,500 | 2,826 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 5,687 |
| Cost of funding earning assets | 0.3091% | 6,408 |
| Net interest margin | 3.5516% | 4,292 |
| Noninterest income to average assets | 1.1605% | 1,156 |
| Noninterest expense to average assets | 2.4868% | 5,145 |
| Loan and lease loss provision to assets | 0.0678% | 4,903 |
| Net operating income to assets | 1.8786% | 446 |
| Return on assets (ROA) | 2.2813% | 235 |
| Pretax return on assets | 2.4012% | 292 |
| Return on Equity (ROE) | 16.7673% | 564 |
| Retained earnings to average equity (ytd only) | 8.9506% | 841 |
| Net charge-offs to loans | 0.7059% | 1,674 |
| Credit loss provision to net charge-offs | 23.5356% | 5,235 |
| Earnings coverage of net charge-offs (x) | 7.1004% | 2,677 |
| Efficiency ratio | 54.8730% | 6,192 |
| Assets per employee ($millions) | 5.8394% | 1,402 |
| Cash dividends to net income (ytd only)* | 46.6191% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,382 |
| Loan loss allowance to noncurrent loans | 97.5887% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 4,456 |
| Noncurrent loans to loans | 1.6245% | 3,192 |
| Net loans and leases to total assets | 33.5335% | 6,568 |
| Net loans and leases to deposits | 38.7875% | 6,606 |
| Net loans and leases to core deposits | 39.5691% | 6,629 |
| Total domestic deposits to total assets | 86.4544% | 3,122 |
| Equity capital to assets | 11.7850% | 2,196 |
| Core capital (leverage) ratio | 13.4648% | 960 |
| Tier 1 risk-based capital ratio | 21.6708% | 1,326 |
| Total risk-based capital ratio | 22.7646% | 1,329 |
| Memoranda: | ||
| Average total assets | $331,913,600 | 1,941 |
| Average earning assets | $315,069,000 | 1,883 |
| Average equity | $45,159,200 | 1,540 |
| Average total loans | $135,430,000 | 2,785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 5,349 |
| Cost of funding earning assets | 0.3320% | 6,455 |
| Net interest margin | 3.7220% | 3,694 |
| Noninterest income to average assets | 1.1397% | 1,170 |
| Noninterest expense to average assets | 2.6204% | 4,669 |
| Loan and lease loss provision to assets | 0.0950% | 4,394 |
| Net operating income to assets | 1.8553% | 513 |
| Return on assets (ROA) | 2.2799% | 269 |
| Pretax return on assets | 2.3999% | 346 |
| Return on Equity (ROE) | 16.0800% | 736 |
| Retained earnings to average equity (ytd only) | 9.7338% | 988 |
| Net charge-offs to loans | 0.7264% | 1,522 |
| Credit loss provision to net charge-offs | 30.4878% | 4,795 |
| Earnings coverage of net charge-offs (x) | 6.5691% | 2,762 |
| Efficiency ratio | 56.1307% | 6,041 |
| Assets per employee ($millions) | 4.6658% | 2,648 |
| Cash dividends to net income (ytd only)* | 39.4664% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 3,026 |
| Loan loss allowance to noncurrent loans | 69.6639% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 3,969 |
| Noncurrent loans to loans | 2.4892% | 2,311 |
| Net loans and leases to total assets | 42.2052% | 6,113 |
| Net loans and leases to deposits | 51.0600% | 6,036 |
| Net loans and leases to core deposits | 52.4129% | 6,156 |
| Total domestic deposits to total assets | 82.6580% | 4,776 |
| Equity capital to assets | 14.6973% | 909 |
| Core capital (leverage) ratio | 13.2536% | 1,083 |
| Tier 1 risk-based capital ratio | 21.9435% | 1,337 |
| Total risk-based capital ratio | 23.1864% | 1,318 |
| Memoranda: | ||
| Average total assets | $315,621,750 | 2,059 |
| Average earning assets | $299,218,500 | 1,995 |
| Average equity | $44,750,000 | 1,574 |
| Average total loans | $135,462,500 | 2,819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 5,557 |
| Cost of funding earning assets | 0.3424% | 6,546 |
| Net interest margin | 3.6867% | 3,885 |
| Noninterest income to average assets | 1.0842% | 1,218 |
| Noninterest expense to average assets | 2.6013% | 4,774 |
| Loan and lease loss provision to assets | 0.1428% | 3,731 |
| Net operating income to assets | 1.7409% | 621 |
| Return on assets (ROA) | 2.1703% | 336 |
| Pretax return on assets | 2.2846% | 428 |
| Return on Equity (ROE) | 15.4976% | 852 |
| Retained earnings to average equity (ytd only) | 14.0018% | 346 |
| Net charge-offs to loans | 0.6110% | 1,793 |
| Credit loss provision to net charge-offs | 54.4794% | 3,942 |
| Earnings coverage of net charge-offs (x) | 7.5351% | 2,460 |
| Efficiency ratio | 56.8377% | 6,025 |
| Assets per employee ($millions) | 4.5471% | 2,818 |
| Cash dividends to net income (ytd only)* | 9.6519% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 2,271 |
| Loan loss allowance to noncurrent loans | 71.6609% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 3,719 |
| Noncurrent loans to loans | 2.7678% | 2,166 |
| Net loans and leases to total assets | 41.1452% | 6,259 |
| Net loans and leases to deposits | 49.4559% | 6,209 |
| Net loans and leases to core deposits | 50.8117% | 6,311 |
| Total domestic deposits to total assets | 83.1958% | 4,680 |
| Equity capital to assets | 14.1970% | 1,016 |
| Core capital (leverage) ratio | 13.3289% | 1,044 |
| Tier 1 risk-based capital ratio | 23.0554% | 1,124 |
| Total risk-based capital ratio | 24.3085% | 1,107 |
| Memoranda: | ||
| Average total assets | $315,070,330 | 2,059 |
| Average earning assets | $298,482,330 | 1,992 |
| Average equity | $44,123,000 | 1,586 |
| Average total loans | $135,193,330 | 2,834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 5,753 |
| Cost of funding earning assets | 0.3627% | 6,585 |
| Net interest margin | 3.6377% | 4,094 |
| Noninterest income to average assets | 1.3844% | 758 |
| Noninterest expense to average assets | 2.6505% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0669% | 369 |
| Return on assets (ROA) | 2.4564% | 237 |
| Pretax return on assets | 2.5862% | 295 |
| Return on Equity (ROE) | 17.6668% | 587 |
| Retained earnings to average equity (ytd only) | 14.6161% | 497 |
| Net charge-offs to loans | -0.0089% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9134% | 6,243 |
| Assets per employee ($millions) | 4.6458% | 2,741 |
| Cash dividends to net income (ytd only)* | 17.2684% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1575% | 1,969 |
| Loan loss allowance to noncurrent loans | 57.2821% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 2,994 |
| Noncurrent loans to loans | 3.7664% | 1,648 |
| Net loans and leases to total assets | 41.9459% | 6,200 |
| Net loans and leases to deposits | 50.0542% | 6,134 |
| Net loans and leases to core deposits | 51.4670% | 6,245 |
| Total domestic deposits to total assets | 83.8009% | 4,590 |
| Equity capital to assets | 14.1013% | 989 |
| Core capital (leverage) ratio | 12.9046% | 1,158 |
| Tier 1 risk-based capital ratio | 23.3350% | 1,092 |
| Total risk-based capital ratio | 24.5905% | 1,066 |
| Memoranda: | ||
| Average total assets | $311,184,500 | 2,091 |
| Average earning assets | $294,475,500 | 2,021 |
| Average equity | $43,267,500 | 1,613 |
| Average total loans | $135,029,000 | 2,854 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 5,993 |
| Cost of funding earning assets | 0.4348% | 6,786 |
| Net interest margin | 3.7882% | 3,887 |
| Noninterest income to average assets | 1.5136% | 573 |
| Noninterest expense to average assets | 2.8266% | 4,251 |
| Loan and lease loss provision to assets | 0.0920% | 5,442 |
| Net operating income to assets | 2.0642% | 274 |
| Return on assets (ROA) | 2.0976% | 281 |
| Pretax return on assets | 2.2081% | 366 |
| Return on Equity (ROE) | 15.1457% | 722 |
| Retained earnings to average equity (ytd only) | 1.8536% | 4,895 |
| Net charge-offs to loans | 0.2071% | 4,504 |
| Credit loss provision to net charge-offs | 94.8276% | 3,805 |
| Earnings coverage of net charge-offs (x) | 23.3345% | 1,029 |
| Efficiency ratio | 55.5154% | 6,367 |
| Assets per employee ($millions) | 4.6433% | 2,698 |
| Cash dividends to net income (ytd only)* | 87.7613% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 1,990 |
| Loan loss allowance to noncurrent loans | 76.8368% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.8194% | 3,232 |
| Noncurrent loans to loans | 2.7398% | 2,378 |
| Net loans and leases to total assets | 42.9889% | 6,302 |
| Net loans and leases to deposits | 51.0108% | 6,290 |
| Net loans and leases to core deposits | 52.5607% | 6,399 |
| Total domestic deposits to total assets | 84.2741% | 4,205 |
| Equity capital to assets | 13.7069% | 1,172 |
| Core capital (leverage) ratio | 12.5628% | 1,324 |
| Tier 1 risk-based capital ratio | 22.4747% | 1,170 |
| Total risk-based capital ratio | 23.7301% | 1,141 |
| Memoranda: | ||
| Average total assets | $298,766,200 | 2,145 |
| Average earning assets | $282,190,200 | 2,078 |
| Average equity | $41,378,000 | 1,623 |
| Average total loans | $140,004,400 | 2,785 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 6,096 |
| Cost of funding earning assets | 0.4475% | 6,888 |
| Net interest margin | 3.7980% | 3,888 |
| Noninterest income to average assets | 1.5367% | 558 |
| Noninterest expense to average assets | 2.9179% | 3,848 |
| Loan and lease loss provision to assets | 0.1240% | 4,880 |
| Net operating income to assets | 1.9804% | 353 |
| Return on assets (ROA) | 2.0048% | 366 |
| Pretax return on assets | 2.1103% | 508 |
| Return on Equity (ROE) | 14.4363% | 954 |
| Retained earnings to average equity (ytd only) | 4.0458% | 3,848 |
| Net charge-offs to loans | 0.2916% | 3,630 |
| Credit loss provision to net charge-offs | 89.2857% | 3,792 |
| Earnings coverage of net charge-offs (x) | 15.9024% | 1,432 |
| Efficiency ratio | 56.9179% | 6,162 |
| Assets per employee ($millions) | 4.5931% | 2,766 |
| Cash dividends to net income (ytd only)* | 71.9748% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 2,141 |
| Loan loss allowance to noncurrent loans | 77.0766% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.8446% | 3,342 |
| Noncurrent loans to loans | 2.6869% | 2,598 |
| Net loans and leases to total assets | 44.5807% | 6,274 |
| Net loans and leases to deposits | 53.5873% | 6,249 |
| Net loans and leases to core deposits | 55.2237% | 6,374 |
| Total domestic deposits to total assets | 83.1926% | 4,608 |
| Equity capital to assets | 14.3475% | 1,042 |
| Core capital (leverage) ratio | 13.0745% | 1,199 |
| Tier 1 risk-based capital ratio | 23.3596% | 1,095 |
| Total risk-based capital ratio | 24.6154% | 1,076 |
| Memoranda: | ||
| Average total assets | $295,683,000 | 2,169 |
| Average earning assets | $279,473,250 | 2,104 |
| Average equity | $41,062,000 | 1,635 |
| Average total loans | $140,852,000 | 2,795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 6,055 |
| Cost of funding earning assets | 0.4595% | 6,981 |
| Net interest margin | 3.8288% | 3,651 |
| Noninterest income to average assets | 1.5989% | 508 |
| Noninterest expense to average assets | 2.9523% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1486% | 278 |
| Return on assets (ROA) | 2.1856% | 275 |
| Pretax return on assets | 2.3009% | 351 |
| Return on Equity (ROE) | 15.9200% | 682 |
| Retained earnings to average equity (ytd only) | 0.0199% | 5,824 |
| Net charge-offs to loans | 0.2116% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 22.1067% | 1,131 |
| Efficiency ratio | 56.6196% | 6,345 |
| Assets per employee ($millions) | 4.3862% | 3,017 |
| Cash dividends to net income (ytd only)* | 99.8752% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,483 |
| Loan loss allowance to noncurrent loans | 124.3648% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 4,132 |
| Noncurrent loans to loans | 1.5753% | 4,037 |
| Net loans and leases to total assets | 46.6773% | 6,198 |
| Net loans and leases to deposits | 55.8483% | 6,150 |
| Net loans and leases to core deposits | 57.3562% | 6,319 |
| Total domestic deposits to total assets | 83.5787% | 4,511 |
| Equity capital to assets | 14.0961% | 1,071 |
| Core capital (leverage) ratio | 12.9827% | 1,171 |
| Tier 1 risk-based capital ratio | 22.8465% | 1,145 |
| Total risk-based capital ratio | 24.1018% | 1,123 |
| Memoranda: | ||
| Average total assets | $293,195,000 | 2,191 |
| Average earning assets | $276,852,000 | 2,128 |
| Average equity | $40,251,330 | 1,666 |
| Average total loans | $141,801,670 | 2,807 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 6,018 |
| Cost of funding earning assets | 0.4761% | 7,043 |
| Net interest margin | 3.8260% | 3,485 |
| Noninterest income to average assets | 1.8603% | 407 |
| Noninterest expense to average assets | 2.9052% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.4379% | 190 |
| Return on assets (ROA) | 2.5118% | 181 |
| Pretax return on assets | 2.6443% | 208 |
| Return on Equity (ROE) | 18.5456% | 434 |
| Retained earnings to average equity (ytd only) | 6.4440% | 2,397 |
| Net charge-offs to loans | 0.3643% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 14.4538% | 1,369 |
| Efficiency ratio | 53.0954% | 6,775 |
| Assets per employee ($millions) | 4.3578% | 3,113 |
| Cash dividends to net income (ytd only)* | 65.2529% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9594% | 2,520 |
| Loan loss allowance to noncurrent loans | 151.6200% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 4,170 |
| Noncurrent loans to loans | 1.2923% | 4,539 |
| Net loans and leases to total assets | 47.3148% | 6,160 |
| Net loans and leases to deposits | 56.8415% | 6,047 |
| Net loans and leases to core deposits | 58.2385% | 6,231 |
| Total domestic deposits to total assets | 83.2399% | 4,827 |
| Equity capital to assets | 13.7142% | 1,099 |
| Core capital (leverage) ratio | 13.0695% | 1,103 |
| Tier 1 risk-based capital ratio | 23.3041% | 1,048 |
| Total risk-based capital ratio | 24.5592% | 1,035 |
| Memoranda: | ||
| Average total assets | $292,855,000 | 2,206 |
| Average earning assets | $276,428,000 | 2,142 |
| Average equity | $39,664,500 | 1,679 |
| Average total loans | $142,745,500 | 2,829 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 6,194 |
| Cost of funding earning assets | 0.7486% | 6,739 |
| Net interest margin | 3.8194% | 3,871 |
| Noninterest income to average assets | 1.6329% | 549 |
| Noninterest expense to average assets | 2.8930% | 4,253 |
| Loan and lease loss provision to assets | 0.1707% | 5,517 |
| Net operating income to assets | 2.0387% | 268 |
| Return on assets (ROA) | 2.0387% | 278 |
| Pretax return on assets | 2.1459% | 362 |
| Return on Equity (ROE) | 16.0539% | 576 |
| Retained earnings to average equity (ytd only) | 12.1567% | 263 |
| Net charge-offs to loans | 0.4694% | 3,738 |
| Credit loss provision to net charge-offs | 71.5308% | 5,820 |
| Earnings coverage of net charge-offs (x) | 9.7096% | 1,794 |
| Efficiency ratio | 55.5330% | 6,651 |
| Assets per employee ($millions) | 4.3841% | 3,062 |
| Cash dividends to net income (ytd only)* | 24.2759% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 2,309 |
| Loan loss allowance to noncurrent loans | 142.3437% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 3,975 |
| Noncurrent loans to loans | 1.4047% | 4,380 |
| Net loans and leases to total assets | 48.2379% | 6,367 |
| Net loans and leases to deposits | 57.5254% | 6,301 |
| Net loans and leases to core deposits | 58.8290% | 6,488 |
| Total domestic deposits to total assets | 83.8549% | 4,422 |
| Equity capital to assets | 13.3749% | 1,229 |
| Core capital (leverage) ratio | 12.7940% | 1,197 |
| Tier 1 risk-based capital ratio | 22.5687% | 1,096 |
| Total risk-based capital ratio | 23.8245% | 1,079 |
| Memoranda: | ||
| Average total assets | $292,979,800 | 2,194 |
| Average earning assets | $274,360,800 | 2,156 |
| Average equity | $37,205,800 | 1,777 |
| Average total loans | $148,908,000 | 2,794 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 6,287 |
| Cost of funding earning assets | 0.8115% | 6,723 |
| Net interest margin | 3.8072% | 3,944 |
| Noninterest income to average assets | 1.6840% | 497 |
| Noninterest expense to average assets | 2.9681% | 3,860 |
| Loan and lease loss provision to assets | 0.2277% | 4,796 |
| Net operating income to assets | 1.9413% | 373 |
| Return on assets (ROA) | 1.9413% | 410 |
| Pretax return on assets | 2.0433% | 571 |
| Return on Equity (ROE) | 15.4935% | 777 |
| Retained earnings to average equity (ytd only) | 10.2236% | 748 |
| Net charge-offs to loans | 0.1147% | 5,390 |
| Credit loss provision to net charge-offs | 387.5969% | 800 |
| Earnings coverage of net charge-offs (x) | 38.6580% | 703 |
| Efficiency ratio | 56.6536% | 6,465 |
| Assets per employee ($millions) | 4.3092% | 3,240 |
| Cash dividends to net income (ytd only)* | 34.0137% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3510% | 1,543 |
| Loan loss allowance to noncurrent loans | 143.3126% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7466% | 3,825 |
| Noncurrent loans to loans | 1.6405% | 4,187 |
| Net loans and leases to total assets | 49.0574% | 6,428 |
| Net loans and leases to deposits | 60.5930% | 6,264 |
| Net loans and leases to core deposits | 62.0198% | 6,463 |
| Total domestic deposits to total assets | 80.9622% | 5,384 |
| Equity capital to assets | 13.5786% | 1,321 |
| Core capital (leverage) ratio | 12.1594% | 1,581 |
| Tier 1 risk-based capital ratio | 21.8600% | 1,228 |
| Total risk-based capital ratio | 23.1208% | 1,197 |
| Memoranda: | ||
| Average total assets | $292,790,750 | 2,226 |
| Average earning assets | $273,402,500 | 2,191 |
| Average equity | $36,685,500 | 1,826 |
| Average total loans | $149,989,250 | 2,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 6,267 |
| Cost of funding earning assets | 0.8610% | 6,727 |
| Net interest margin | 3.8014% | 3,886 |
| Noninterest income to average assets | 1.6002% | 509 |
| Noninterest expense to average assets | 2.8342% | 4,339 |
| Loan and lease loss provision to assets | 0.3416% | 3,687 |
| Net operating income to assets | 1.8674% | 431 |
| Return on assets (ROA) | 1.8674% | 470 |
| Pretax return on assets | 1.9658% | 649 |
| Return on Equity (ROE) | 15.3320% | 797 |
| Retained earnings to average equity (ytd only) | 10.5691% | 731 |
| Net charge-offs to loans | 0.0252% | 5,983 |
| Credit loss provision to net charge-offs | 2,631.5789% | 162 |
| Earnings coverage of net charge-offs (x) | 177.7368% | 198 |
| Efficiency ratio | 55.1229% | 6,746 |
| Assets per employee ($millions) | 4.3499% | 3,125 |
| Cash dividends to net income (ytd only)* | 31.0648% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3785% | 1,459 |
| Loan loss allowance to noncurrent loans | 148.7297% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8222% | 3,731 |
| Noncurrent loans to loans | 1.5992% | 4,313 |
| Net loans and leases to total assets | 49.5495% | 6,485 |
| Net loans and leases to deposits | 60.3314% | 6,386 |
| Net loans and leases to core deposits | 61.7111% | 6,573 |
| Total domestic deposits to total assets | 82.1288% | 4,930 |
| Equity capital to assets | 12.6581% | 1,706 |
| Core capital (leverage) ratio | 11.8649% | 1,723 |
| Tier 1 risk-based capital ratio | 19.6733% | 1,567 |
| Total risk-based capital ratio | 20.9324% | 1,544 |
| Memoranda: | ||
| Average total assets | $292,711,670 | 2,248 |
| Average earning assets | $272,692,330 | 2,214 |
| Average equity | $35,651,000 | 1,872 |
| Average total loans | $150,914,670 | 2,818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 6,196 |
| Cost of funding earning assets | 0.9001% | 6,770 |
| Net interest margin | 3.8146% | 3,731 |
| Noninterest income to average assets | 1.7928% | 403 |
| Noninterest expense to average assets | 2.7338% | 4,750 |
| Loan and lease loss provision to assets | 0.4121% | 2,897 |
| Net operating income to assets | 2.0826% | 301 |
| Return on assets (ROA) | 2.0826% | 330 |
| Pretax return on assets | 2.1925% | 426 |
| Return on Equity (ROE) | 17.4476% | 564 |
| Retained earnings to average equity (ytd only) | 10.5422% | 1,025 |
| Net charge-offs to loans | 0.0634% | 4,779 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 393 |
| Efficiency ratio | 51.2095% | 7,220 |
| Assets per employee ($millions) | 4.4081% | 3,111 |
| Cash dividends to net income (ytd only)* | 39.5778% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 1,677 |
| Loan loss allowance to noncurrent loans | 807.1942% | 399 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 4,368 |
| Noncurrent loans to loans | 0.2775% | 6,766 |
| Net loans and leases to total assets | 50.4896% | 6,420 |
| Net loans and leases to deposits | 61.0603% | 6,359 |
| Net loans and leases to core deposits | 62.4611% | 6,561 |
| Total domestic deposits to total assets | 82.6881% | 4,763 |
| Equity capital to assets | 12.1227% | 1,970 |
| Core capital (leverage) ratio | 11.7786% | 1,764 |
| Tier 1 risk-based capital ratio | 19.1115% | 1,693 |
| Total risk-based capital ratio | 20.3587% | 1,665 |
| Memoranda: | ||
| Average total assets | $291,170,000 | 2,306 |
| Average earning assets | $270,645,000 | 2,281 |
| Average equity | $34,755,500 | 1,936 |
| Average total loans | $151,304,000 | 2,871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 6,880 |
| Cost of funding earning assets | 1.1971% | 6,669 |
| Net interest margin | 3.6344% | 4,407 |
| Noninterest income to average assets | 1.4165% | 728 |
| Noninterest expense to average assets | 3.2330% | 3,265 |
| Loan and lease loss provision to assets | 0.3947% | 4,427 |
| Net operating income to assets | 1.1273% | 1,445 |
| Return on assets (ROA) | 0.9572% | 2,039 |
| Pretax return on assets | 1.0074% | 2,566 |
| Return on Equity (ROE) | 8.5918% | 2,165 |
| Retained earnings to average equity (ytd only) | 6.8142% | 1,031 |
| Net charge-offs to loans | 0.3207% | 4,636 |
| Credit loss provision to net charge-offs | 222.1344% | 1,698 |
| Earnings coverage of net charge-offs (x) | 8.8992% | 1,870 |
| Efficiency ratio | 67.1554% | 5,153 |
| Assets per employee ($millions) | 4.4153% | 3,078 |
| Cash dividends to net income (ytd only)* | 20.6897% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 1,958 |
| Loan loss allowance to noncurrent loans | 449.1279% | 746 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 3,978 |
| Noncurrent loans to loans | 0.4516% | 6,365 |
| Net loans and leases to total assets | 51.2208% | 6,509 |
| Net loans and leases to deposits | 61.3942% | 6,526 |
| Net loans and leases to core deposits | 68.4269% | 6,856 |
| Total domestic deposits to total assets | 83.4294% | 4,313 |
| Equity capital to assets | 11.7506% | 2,165 |
| Core capital (leverage) ratio | 11.4436% | 1,945 |
| Tier 1 risk-based capital ratio | 18.1614% | 1,848 |
| Total risk-based capital ratio | 19.4171% | 1,802 |
| Memoranda: | ||
| Average total assets | $284,783,600 | 2,311 |
| Average earning assets | $266,232,800 | 2,272 |
| Average equity | $31,727,800 | 2,110 |
| Average total loans | $157,803,000 | 2,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 7,022 |
| Cost of funding earning assets | 1.2590% | 6,685 |
| Net interest margin | 3.5870% | 4,529 |
| Noninterest income to average assets | 1.4236% | 738 |
| Noninterest expense to average assets | 3.1952% | 3,315 |
| Loan and lease loss provision to assets | 0.4351% | 3,728 |
| Net operating income to assets | 1.0944% | 1,748 |
| Return on assets (ROA) | 0.7813% | 2,953 |
| Pretax return on assets | 0.8232% | 3,460 |
| Return on Equity (ROE) | 7.1125% | 3,021 |
| Retained earnings to average equity (ytd only) | 4.6945% | 2,656 |
| Net charge-offs to loans | 0.4113% | 3,617 |
| Credit loss provision to net charge-offs | 188.1874% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.8676% | 2,524 |
| Efficiency ratio | 66.8012% | 5,224 |
| Assets per employee ($millions) | 4.4036% | 3,025 |
| Cash dividends to net income (ytd only)* | 33.9964% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 1,988 |
| Loan loss allowance to noncurrent loans | 86.0741% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 2.7418% | 2,537 |
| Noncurrent loans to loans | 2.2261% | 3,348 |
| Net loans and leases to total assets | 51.9512% | 6,601 |
| Net loans and leases to deposits | 62.3336% | 6,640 |
| Net loans and leases to core deposits | 70.0026% | 6,966 |
| Total domestic deposits to total assets | 83.3438% | 4,042 |
| Equity capital to assets | 11.6425% | 2,473 |
| Core capital (leverage) ratio | 11.1446% | 2,306 |
| Tier 1 risk-based capital ratio | 17.8100% | 2,047 |
| Total risk-based capital ratio | 19.0629% | 1,993 |
| Memoranda: | ||
| Average total assets | $283,127,750 | 2,339 |
| Average earning assets | $265,169,500 | 2,291 |
| Average equity | $31,099,250 | 2,180 |
| Average total loans | $159,166,000 | 2,805 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 7,061 |
| Cost of funding earning assets | 1.3159% | 6,747 |
| Net interest margin | 3.5720% | 4,490 |
| Noninterest income to average assets | 1.3478% | 839 |
| Noninterest expense to average assets | 3.0770% | 3,787 |
| Loan and lease loss provision to assets | 0.4424% | 3,337 |
| Net operating income to assets | 1.1184% | 1,711 |
| Return on assets (ROA) | 0.6530% | 3,563 |
| Pretax return on assets | 0.6870% | 4,047 |
| Return on Equity (ROE) | 6.0677% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.0677% | 1,986 |
| Net charge-offs to loans | 0.2808% | 3,792 |
| Credit loss provision to net charge-offs | 274.8899% | 1,703 |
| Earnings coverage of net charge-offs (x) | 10.0617% | 2,040 |
| Efficiency ratio | 65.5193% | 5,628 |
| Assets per employee ($millions) | 4.3192% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,940 |
| Loan loss allowance to noncurrent loans | 99.5489% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7261% | 3,597 |
| Noncurrent loans to loans | 1.8495% | 3,737 |
| Net loans and leases to total assets | 52.8562% | 6,583 |
| Net loans and leases to deposits | 63.0760% | 6,648 |
| Net loans and leases to core deposits | 70.4820% | 6,992 |
| Total domestic deposits to total assets | 83.7976% | 3,874 |
| Equity capital to assets | 10.9489% | 2,966 |
| Core capital (leverage) ratio | 11.1863% | 2,270 |
| Tier 1 risk-based capital ratio | 17.3855% | 2,181 |
| Total risk-based capital ratio | 18.6391% | 2,129 |
| Memoranda: | ||
| Average total assets | $282,091,670 | 2,364 |
| Average earning assets | $264,448,330 | 2,310 |
| Average equity | $30,357,330 | 2,242 |
| Average total loans | $161,685,330 | 2,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 7,061 |
| Cost of funding earning assets | 1.4150% | 6,680 |
| Net interest margin | 3.5322% | 4,606 |
| Noninterest income to average assets | 1.3303% | 808 |
| Noninterest expense to average assets | 2.9780% | 3,859 |
| Loan and lease loss provision to assets | 0.3505% | 3,216 |
| Net operating income to assets | 1.2461% | 1,519 |
| Return on assets (ROA) | 0.3031% | 5,461 |
| Pretax return on assets | 0.3189% | 5,626 |
| Return on Equity (ROE) | 2.8424% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.8424% | 4,291 |
| Net charge-offs to loans | 0.4204% | 2,424 |
| Credit loss provision to net charge-offs | 141.0405% | 2,895 |
| Earnings coverage of net charge-offs (x) | 6.6879% | 2,452 |
| Efficiency ratio | 64.1796% | 5,658 |
| Assets per employee ($millions) | 4.0645% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 2,690 |
| Loan loss allowance to noncurrent loans | 100.4344% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 3,379 |
| Noncurrent loans to loans | 1.5514% | 3,952 |
| Net loans and leases to total assets | 57.2884% | 6,055 |
| Net loans and leases to deposits | 68.0814% | 6,181 |
| Net loans and leases to core deposits | 76.5284% | 6,641 |
| Total domestic deposits to total assets | 84.1470% | 3,637 |
| Equity capital to assets | 10.8015% | 3,185 |
| Core capital (leverage) ratio | 11.1594% | 2,371 |
| Tier 1 risk-based capital ratio | 16.5124% | 2,511 |
| Total risk-based capital ratio | 17.7635% | 2,449 |
| Memoranda: | ||
| Average total assets | $278,443,000 | 2,395 |
| Average earning assets | $260,913,000 | 2,356 |
| Average equity | $29,693,500 | 2,303 |
| Average total loans | $164,613,500 | 2,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7758% | 6,517 |
| Cost of funding earning assets | 2.0060% | 6,397 |
| Net interest margin | 3.7698% | 4,140 |
| Noninterest income to average assets | 1.4743% | 650 |
| Noninterest expense to average assets | 3.0820% | 3,777 |
| Loan and lease loss provision to assets | 0.3501% | 3,596 |
| Net operating income to assets | 1.4489% | 1,132 |
| Return on assets (ROA) | 1.3292% | 1,361 |
| Pretax return on assets | 1.4209% | 1,904 |
| Return on Equity (ROE) | 12.3893% | 1,486 |
| Retained earnings to average equity (ytd only) | 2.9215% | 3,356 |
| Net charge-offs to loans | 0.4490% | 2,584 |
| Credit loss provision to net charge-offs | 119.7270% | 4,493 |
| Earnings coverage of net charge-offs (x) | 6.4926% | 3,347 |
| Efficiency ratio | 61.8836% | 5,975 |
| Assets per employee ($millions) | 4.0652% | 3,382 |
| Cash dividends to net income (ytd only)* | 76.4192% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,751 |
| Loan loss allowance to noncurrent loans | 131.8570% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5063% | 3,206 |
| Noncurrent loans to loans | 1.1288% | 4,289 |
| Net loans and leases to total assets | 59.1629% | 6,032 |
| Net loans and leases to deposits | 69.8501% | 6,285 |
| Net loans and leases to core deposits | 78.5638% | 6,719 |
| Total domestic deposits to total assets | 84.6998% | 2,978 |
| Equity capital to assets | 10.5247% | 3,472 |
| Core capital (leverage) ratio | 11.1208% | 2,492 |
| Tier 1 risk-based capital ratio | 16.1134% | 2,622 |
| Total risk-based capital ratio | 17.3639% | 2,558 |
| Memoranda: | ||
| Average total assets | $275,662,600 | 2,344 |
| Average earning assets | $256,378,400 | 2,312 |
| Average equity | $29,574,000 | 2,286 |
| Average total loans | $179,491,000 | 2,503 |