Home > Iowa State Bank > Performance and Condition Ratios
Iowa State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 2,742 |
| Cost of funding earning assets | 1.7145% | 1,420 |
| Net interest margin | 2.9556% | 3,385 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.0385% | 3,534 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7955% | 2,886 |
| Return on assets (ROA) | 0.8259% | 2,763 |
| Pretax return on assets | 1.0209% | 2,612 |
| Return on Equity (ROE) | 12.0000% | 1,953 |
| Retained earnings to average equity (ytd only) | 8.5277% | 1,386 |
| Net charge-offs to loans | -0.0150% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.0151% | 2,229 |
| Assets per employee ($millions) | 9.2437% | 902 |
| Cash dividends to net income (ytd only)* | 28.9459% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,372 |
| Loan loss allowance to noncurrent loans | 414.5985% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 2,017 |
| Noncurrent loans to loans | 0.3394% | 1,964 |
| Net loans and leases to total assets | 59.0900% | 2,937 |
| Net loans and leases to deposits | 79.6492% | 2,142 |
| Net loans and leases to core deposits | 86.1729% | 2,298 |
| Total domestic deposits to total assets | 74.1900% | 4,096 |
| Equity capital to assets | 7.2951% | 3,820 |
| Core capital (leverage) ratio | 10.6194% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7249% | 1,133 |
| Memoranda: | ||
| Average total assets | $443,418,600 | 1,881 |
| Average earning assets | $403,138,400 | 1,895 |
| Average equity | $30,512,200 | 2,246 |
| Average total loans | $253,885,200 | 1,984 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 2,636 |
| Cost of funding earning assets | 1.4654% | 1,692 |
| Net interest margin | 3.1537% | 3,018 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.0518% | 3,462 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9127% | 2,634 |
| Return on assets (ROA) | 0.9339% | 2,555 |
| Pretax return on assets | 1.1631% | 2,383 |
| Return on Equity (ROE) | 13.8000% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.3216% | 1,316 |
| Net charge-offs to loans | 0.0005% | 2,642 |
| Credit loss provision to net charge-offs | 8,400.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 3,804.0000% | 20 |
| Efficiency ratio | 63.8403% | 2,513 |
| Assets per employee ($millions) | 8.5804% | 1,090 |
| Cash dividends to net income (ytd only)* | 25.1881% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,096 |
| Loan loss allowance to noncurrent loans | 484.4828% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 2,217 |
| Noncurrent loans to loans | 0.3109% | 2,122 |
| Net loans and leases to total assets | 57.6600% | 3,056 |
| Net loans and leases to deposits | 77.1253% | 2,319 |
| Net loans and leases to core deposits | 83.5800% | 2,355 |
| Total domestic deposits to total assets | 74.7600% | 4,106 |
| Equity capital to assets | 5.9736% | 3,996 |
| Core capital (leverage) ratio | 10.6863% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4658% | 1,025 |
| Memoranda: | ||
| Average total assets | $436,416,250 | 1,898 |
| Average earning assets | $396,050,000 | 1,918 |
| Average equity | $29,542,500 | 2,268 |
| Average total loans | $246,719,250 | 2,016 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 2,687 |
| Cost of funding earning assets | 1.2092% | 1,955 |
| Net interest margin | 3.2750% | 2,812 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0805% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0007% | 2,418 |
| Return on assets (ROA) | 1.0199% | 2,345 |
| Pretax return on assets | 1.2711% | 2,157 |
| Return on Equity (ROE) | 14.4800% | 1,581 |
| Retained earnings to average equity (ytd only) | 11.1389% | 1,161 |
| Net charge-offs to loans | -0.0008% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.5225% | 2,642 |
| Assets per employee ($millions) | 8.3074% | 1,182 |
| Cash dividends to net income (ytd only)* | 23.0874% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,038 |
| Loan loss allowance to noncurrent loans | 441.2371% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 2,056 |
| Noncurrent loans to loans | 0.3510% | 1,878 |
| Net loans and leases to total assets | 55.6200% | 3,143 |
| Net loans and leases to deposits | 72.5697% | 2,608 |
| Net loans and leases to core deposits | 77.8563% | 2,625 |
| Total domestic deposits to total assets | 76.6400% | 3,990 |
| Equity capital to assets | 7.0612% | 3,762 |
| Core capital (leverage) ratio | 10.7914% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0574% | 949 |
| Memoranda: | ||
| Average total assets | $433,161,333 | 1,910 |
| Average earning assets | $393,164,667 | 1,936 |
| Average equity | $30,505,667 | 2,247 |
| Average total loans | $241,891,000 | 2,039 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,687 |
| Cost of funding earning assets | 0.9218% | 2,305 |
| Net interest margin | 3.4250% | 2,567 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.1341% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0799% | 2,285 |
| Return on assets (ROA) | 1.1127% | 2,150 |
| Pretax return on assets | 1.3967% | 1,890 |
| Return on Equity (ROE) | 15.8200% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.5110% | 1,175 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1526% | 2,803 |
| Assets per employee ($millions) | 8.8081% | 1,011 |
| Cash dividends to net income (ytd only)* | 20.9205% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 974 |
| Loan loss allowance to noncurrent loans | 2,082.1622% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,082 |
| Noncurrent loans to loans | 0.0778% | 3,183 |
| Net loans and leases to total assets | 54.2200% | 3,186 |
| Net loans and leases to deposits | 67.8147% | 2,786 |
| Net loans and leases to core deposits | 71.6527% | 2,842 |
| Total domestic deposits to total assets | 79.9500% | 3,767 |
| Equity capital to assets | 7.4157% | 3,609 |
| Core capital (leverage) ratio | 10.9072% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6453% | 888 |
| Memoranda: | ||
| Average total assets | $429,595,500 | 1,942 |
| Average earning assets | $390,538,000 | 1,970 |
| Average equity | $30,213,500 | 2,284 |
| Average total loans | $238,474,500 | 2,076 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 2,448 |
| Cost of funding earning assets | 0.3371% | 2,573 |
| Net interest margin | 3.3952% | 2,274 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.9638% | 3,677 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1814% | 1,857 |
| Return on assets (ROA) | 1.1728% | 1,819 |
| Pretax return on assets | 1.4873% | 1,493 |
| Return on Equity (ROE) | 14.3900% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.4695% | 787 |
| Net charge-offs to loans | -0.0051% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3539% | 3,548 |
| Assets per employee ($millions) | 8.7264% | 1,005 |
| Cash dividends to net income (ytd only)* | 20.2852% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 958 |
| Loan loss allowance to noncurrent loans | 950.8642% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,663 |
| Noncurrent loans to loans | 0.1694% | 2,638 |
| Net loans and leases to total assets | 55.0200% | 3,116 |
| Net loans and leases to deposits | 68.2062% | 2,715 |
| Net loans and leases to core deposits | 70.8898% | 2,811 |
| Total domestic deposits to total assets | 80.6600% | 3,797 |
| Equity capital to assets | 6.6467% | 3,839 |
| Core capital (leverage) ratio | 10.6792% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9901% | 979 |
| Memoranda: | ||
| Average total assets | $424,525,400 | 1,937 |
| Average earning assets | $390,665,200 | 1,943 |
| Average equity | $34,604,800 | 2,128 |
| Average total loans | $234,317,400 | 2,024 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 2,398 |
| Cost of funding earning assets | 0.2498% | 2,709 |
| Net interest margin | 3.3308% | 2,197 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.8136% | 3,961 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2867% | 1,398 |
| Return on assets (ROA) | 1.2696% | 1,420 |
| Pretax return on assets | 1.6094% | 1,097 |
| Return on Equity (ROE) | 14.8800% | 1,206 |
| Retained earnings to average equity (ytd only) | 12.1156% | 767 |
| Net charge-offs to loans | -0.0063% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.1865% | 3,992 |
| Assets per employee ($millions) | 8.5814% | 1,036 |
| Cash dividends to net income (ytd only)* | 18.5874% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,120 |
| Loan loss allowance to noncurrent loans | 813.5371% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,634 |
| Noncurrent loans to loans | 0.1930% | 2,634 |
| Net loans and leases to total assets | 55.5400% | 2,951 |
| Net loans and leases to deposits | 66.5918% | 2,668 |
| Net loans and leases to core deposits | 69.5926% | 2,667 |
| Total domestic deposits to total assets | 83.4000% | 3,624 |
| Equity capital to assets | 6.4156% | 3,785 |
| Core capital (leverage) ratio | 10.5460% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0693% | 977 |
| Memoranda: | ||
| Average total assets | $423,758,500 | 1,952 |
| Average earning assets | $391,692,000 | 1,956 |
| Average equity | $36,150,750 | 2,101 |
| Average total loans | $233,121,000 | 2,037 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3643% | 2,530 |
| Cost of funding earning assets | 0.1719% | 3,290 |
| Net interest margin | 3.1924% | 2,211 |
| Noninterest income to average assets | 0.4077% | 2,705 |
| Noninterest expense to average assets | 1.7785% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2564% | 1,265 |
| Return on assets (ROA) | 1.2296% | 1,312 |
| Pretax return on assets | 1.5591% | 1,029 |
| Return on Equity (ROE) | 13.3236% | 1,284 |
| Retained earnings to average equity (ytd only) | 10.7731% | 829 |
| Net charge-offs to loans | -0.0328% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7506% | 4,069 |
| Assets per employee ($millions) | 8.9964% | 891 |
| Cash dividends to net income (ytd only)* | 19.1424% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,188 |
| Loan loss allowance to noncurrent loans | 2,101.1494% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,265 |
| Noncurrent loans to loans | 0.0754% | 3,420 |
| Net loans and leases to total assets | 53.7418% | 2,991 |
| Net loans and leases to deposits | 62.4774% | 2,850 |
| Net loans and leases to core deposits | 65.6270% | 2,850 |
| Total domestic deposits to total assets | 86.0180% | 3,240 |
| Equity capital to assets | 7.5957% | 3,411 |
| Core capital (leverage) ratio | 10.4028% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2150% | 962 |
| Memoranda: | ||
| Average total assets | $424,847,667 | 1,959 |
| Average earning assets | $394,438,333 | 1,963 |
| Average equity | $39,208,667 | 2,032 |
| Average total loans | $231,746,000 | 2,044 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2336% | 2,591 |
| Cost of funding earning assets | 0.1632% | 3,323 |
| Net interest margin | 3.0704% | 2,265 |
| Noninterest income to average assets | 0.3682% | 2,884 |
| Noninterest expense to average assets | 1.6259% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2623% | 1,085 |
| Return on assets (ROA) | 1.2370% | 1,135 |
| Pretax return on assets | 1.5733% | 873 |
| Return on Equity (ROE) | 12.3215% | 1,221 |
| Retained earnings to average equity (ytd only) | 9.9826% | 1,025 |
| Net charge-offs to loans | -0.0155% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3198% | 4,300 |
| Assets per employee ($millions) | 8.6466% | 1,046 |
| Cash dividends to net income (ytd only)* | 18.9825% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,325 |
| Loan loss allowance to noncurrent loans | 728.3133% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,782 |
| Noncurrent loans to loans | 0.2169% | 2,732 |
| Net loans and leases to total assets | 52.2786% | 2,959 |
| Net loans and leases to deposits | 60.1868% | 2,887 |
| Net loans and leases to core deposits | 63.3374% | 2,857 |
| Total domestic deposits to total assets | 86.8606% | 2,975 |
| Equity capital to assets | 8.9996% | 2,707 |
| Core capital (leverage) ratio | 10.1224% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5310% | 968 |
| Memoranda: | ||
| Average total assets | $425,857,000 | 1,961 |
| Average earning assets | $397,080,000 | 1,964 |
| Average equity | $42,754,500 | 1,956 |
| Average total loans | $232,173,000 | 2,033 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9419% | 1,512 |
| Cost of funding earning assets | 0.2186% | 3,275 |
| Net interest margin | 3.7233% | 1,159 |
| Noninterest income to average assets | 0.3911% | 3,094 |
| Noninterest expense to average assets | 2.1289% | 3,308 |
| Loan and lease loss provision to assets | 0.2347% | 421 |
| Net operating income to assets | 1.1780% | 2,001 |
| Return on assets (ROA) | 1.2022% | 1,964 |
| Pretax return on assets | 1.5440% | 1,590 |
| Return on Equity (ROE) | 10.3125% | 2,410 |
| Retained earnings to average equity (ytd only) | 6.4762% | 2,143 |
| Net charge-offs to loans | 0.5062% | 162 |
| Credit loss provision to net charge-offs | 78.3305% | 1,967 |
| Earnings coverage of net charge-offs (x) | 5.8339% | 2,428 |
| Efficiency ratio | 54.9104% | 3,834 |
| Assets per employee ($millions) | 8.3876% | 1,127 |
| Cash dividends to net income (ytd only)* | 37.2005% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,421 |
| Loan loss allowance to noncurrent loans | 712.2047% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,883 |
| Noncurrent loans to loans | 0.2164% | 2,879 |
| Net loans and leases to total assets | 55.1011% | 2,723 |
| Net loans and leases to deposits | 65.9535% | 2,523 |
| Net loans and leases to core deposits | 69.0568% | 2,542 |
| Total domestic deposits to total assets | 83.5453% | 3,677 |
| Equity capital to assets | 11.1118% | 1,729 |
| Core capital (leverage) ratio | 10.6009% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4327% | 978 |
| Memoranda: | ||
| Average total assets | $395,783,400 | 2,004 |
| Average earning assets | $370,553,400 | 2,001 |
| Average equity | $46,138,400 | 1,889 |
| Average total loans | $234,273,200 | 2,022 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 1,196 |
| Cost of funding earning assets | 0.2303% | 3,323 |
| Net interest margin | 3.9149% | 911 |
| Noninterest income to average assets | 0.3878% | 3,168 |
| Noninterest expense to average assets | 2.0980% | 3,371 |
| Loan and lease loss provision to assets | 0.3050% | 261 |
| Net operating income to assets | 1.2863% | 1,865 |
| Return on assets (ROA) | 1.3101% | 1,850 |
| Pretax return on assets | 1.6829% | 1,448 |
| Return on Equity (ROE) | 11.0986% | 2,350 |
| Retained earnings to average equity (ytd only) | 6.9268% | 2,448 |
| Net charge-offs to loans | 0.6764% | 117 |
| Credit loss provision to net charge-offs | 75.0842% | 1,735 |
| Earnings coverage of net charge-offs (x) | 4.8190% | 2,247 |
| Efficiency ratio | 51.7285% | 4,048 |
| Assets per employee ($millions) | 8.1636% | 1,199 |
| Cash dividends to net income (ytd only)* | 37.5881% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,567 |
| Loan loss allowance to noncurrent loans | 692.2631% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 3,044 |
| Noncurrent loans to loans | 0.2191% | 3,072 |
| Net loans and leases to total assets | 58.0993% | 2,478 |
| Net loans and leases to deposits | 70.9607% | 2,148 |
| Net loans and leases to core deposits | 75.1547% | 2,128 |
| Total domestic deposits to total assets | 81.8753% | 3,949 |
| Equity capital to assets | 11.7260% | 1,531 |
| Core capital (leverage) ratio | 10.8236% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5955% | 1,026 |
| Memoranda: | ||
| Average total assets | $389,883,750 | 2,045 |
| Average earning assets | $365,299,500 | 2,043 |
| Average equity | $46,022,750 | 1,912 |
| Average total loans | $234,166,000 | 2,064 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 937 |
| Cost of funding earning assets | 0.2443% | 3,329 |
| Net interest margin | 4.0970% | 701 |
| Noninterest income to average assets | 0.3964% | 3,122 |
| Noninterest expense to average assets | 2.2458% | 2,936 |
| Loan and lease loss provision to assets | 0.4321% | 133 |
| Net operating income to assets | 1.2181% | 2,118 |
| Return on assets (ROA) | 1.2414% | 2,114 |
| Pretax return on assets | 1.5922% | 1,752 |
| Return on Equity (ROE) | 10.4924% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.2062% | 2,728 |
| Net charge-offs to loans | 1.0182% | 77 |
| Credit loss provision to net charge-offs | 70.2271% | 1,522 |
| Earnings coverage of net charge-offs (x) | 3.2422% | 2,083 |
| Efficiency ratio | 52.9591% | 3,935 |
| Assets per employee ($millions) | 7.7113% | 1,356 |
| Cash dividends to net income (ytd only)* | 40.8504% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,365 |
| Loan loss allowance to noncurrent loans | 167.1096% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 1,498 |
| Noncurrent loans to loans | 0.9376% | 1,315 |
| Net loans and leases to total assets | 55.1664% | 2,995 |
| Net loans and leases to deposits | 67.5122% | 2,671 |
| Net loans and leases to core deposits | 71.5444% | 2,643 |
| Total domestic deposits to total assets | 81.7132% | 3,974 |
| Equity capital to assets | 11.5681% | 1,591 |
| Core capital (leverage) ratio | 10.5458% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7373% | 851 |
| Memoranda: | ||
| Average total assets | $386,506,000 | 2,051 |
| Average earning assets | $362,656,667 | 2,046 |
| Average equity | $45,728,333 | 1,906 |
| Average total loans | $233,559,333 | 2,070 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 2,933 |
| Cost of funding earning assets | 0.2670% | 3,306 |
| Net interest margin | 3.2292% | 2,609 |
| Noninterest income to average assets | 0.4377% | 2,879 |
| Noninterest expense to average assets | 2.1547% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0334% | 2,702 |
| Return on assets (ROA) | 1.0842% | 2,602 |
| Pretax return on assets | 1.3827% | 2,328 |
| Return on Equity (ROE) | 9.0575% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.7402% | 3,303 |
| Net charge-offs to loans | -0.0050% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0407% | 2,755 |
| Assets per employee ($millions) | 7.6334% | 1,379 |
| Cash dividends to net income (ytd only)* | 47.6654% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,350 |
| Loan loss allowance to noncurrent loans | 359.7403% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 2,588 |
| Noncurrent loans to loans | 0.4388% | 2,541 |
| Net loans and leases to total assets | 62.1061% | 2,278 |
| Net loans and leases to deposits | 74.9648% | 2,027 |
| Net loans and leases to core deposits | 79.8091% | 2,020 |
| Total domestic deposits to total assets | 82.8470% | 3,725 |
| Equity capital to assets | 11.6005% | 1,485 |
| Core capital (leverage) ratio | 10.8693% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6620% | 975 |
| Memoranda: | ||
| Average total assets | $379,264,500 | 2,064 |
| Average earning assets | $356,501,000 | 2,055 |
| Average equity | $45,399,000 | 1,904 |
| Average total loans | $237,973,000 | 2,046 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 2,482 |
| Cost of funding earning assets | 0.4687% | 3,161 |
| Net interest margin | 3.6125% | 2,098 |
| Noninterest income to average assets | 0.5074% | 2,597 |
| Noninterest expense to average assets | 2.5676% | 2,650 |
| Loan and lease loss provision to assets | 0.1729% | 2,229 |
| Net operating income to assets | 0.9095% | 2,652 |
| Return on assets (ROA) | 0.9039% | 2,814 |
| Pretax return on assets | 1.1372% | 2,560 |
| Return on Equity (ROE) | 6.9422% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.0008% | 2,820 |
| Net charge-offs to loans | 0.0226% | 2,597 |
| Credit loss provision to net charge-offs | 1,132.6923% | 710 |
| Earnings coverage of net charge-offs (x) | 86.3077% | 859 |
| Efficiency ratio | 66.0950% | 2,514 |
| Assets per employee ($millions) | 7.2397% | 1,423 |
| Cash dividends to net income (ytd only)* | 42.3701% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 1,078 |
| Loan loss allowance to noncurrent loans | 371.1686% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 2,722 |
| Noncurrent loans to loans | 0.4533% | 2,611 |
| Net loans and leases to total assets | 61.3207% | 2,687 |
| Net loans and leases to deposits | 76.1443% | 2,269 |
| Net loans and leases to core deposits | 79.9125% | 2,372 |
| Total domestic deposits to total assets | 80.5322% | 3,953 |
| Equity capital to assets | 12.3602% | 1,390 |
| Core capital (leverage) ratio | 11.2015% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7527% | 938 |
| Memoranda: | ||
| Average total assets | $340,751,000 | 2,091 |
| Average earning assets | $318,561,800 | 2,084 |
| Average equity | $44,366,200 | 1,867 |
| Average total loans | $229,787,600 | 2,036 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,322 |
| Cost of funding earning assets | 0.5106% | 3,159 |
| Net interest margin | 3.7148% | 1,895 |
| Noninterest income to average assets | 0.5075% | 2,587 |
| Noninterest expense to average assets | 2.4046% | 3,118 |
| Loan and lease loss provision to assets | 0.2353% | 1,730 |
| Net operating income to assets | 1.0571% | 2,118 |
| Return on assets (ROA) | 1.0454% | 2,296 |
| Pretax return on assets | 1.3216% | 1,969 |
| Return on Equity (ROE) | 7.9183% | 2,836 |
| Retained earnings to average equity (ytd only) | 4.6644% | 2,712 |
| Net charge-offs to loans | 0.0197% | 2,463 |
| Credit loss provision to net charge-offs | 1,732.3529% | 545 |
| Earnings coverage of net charge-offs (x) | 115.6765% | 713 |
| Efficiency ratio | 60.4724% | 3,316 |
| Assets per employee ($millions) | 7.2006% | 1,377 |
| Cash dividends to net income (ytd only)* | 41.0933% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 977 |
| Loan loss allowance to noncurrent loans | 353.9091% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 2,747 |
| Noncurrent loans to loans | 0.4668% | 2,654 |
| Net loans and leases to total assets | 65.6857% | 2,557 |
| Net loans and leases to deposits | 82.0890% | 2,093 |
| Net loans and leases to core deposits | 86.5815% | 2,268 |
| Total domestic deposits to total assets | 80.0177% | 3,861 |
| Equity capital to assets | 12.9137% | 1,221 |
| Core capital (leverage) ratio | 11.9435% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2237% | 879 |
| Memoranda: | ||
| Average total assets | $333,632,250 | 2,102 |
| Average earning assets | $311,540,250 | 2,095 |
| Average equity | $44,048,500 | 1,865 |
| Average total loans | $229,662,750 | 2,035 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 2,324 |
| Cost of funding earning assets | 0.5690% | 3,134 |
| Net interest margin | 3.7874% | 1,870 |
| Noninterest income to average assets | 0.5323% | 2,427 |
| Noninterest expense to average assets | 2.4496% | 3,107 |
| Loan and lease loss provision to assets | 0.2989% | 1,440 |
| Net operating income to assets | 1.0428% | 2,177 |
| Return on assets (ROA) | 1.0250% | 2,367 |
| Pretax return on assets | 1.2927% | 2,050 |
| Return on Equity (ROE) | 7.7026% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.9133% | 2,950 |
| Net charge-offs to loans | -0.0026% | 3,867 |
| Credit loss provision to net charge-offs | -16,300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2797% | 3,380 |
| Assets per employee ($millions) | 6.7658% | 1,583 |
| Cash dividends to net income (ytd only)* | 49.1950% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 973 |
| Loan loss allowance to noncurrent loans | 147.2329% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 1,539 |
| Noncurrent loans to loans | 1.0965% | 1,430 |
| Net loans and leases to total assets | 69.0123% | 2,183 |
| Net loans and leases to deposits | 86.4818% | 1,717 |
| Net loans and leases to core deposits | 90.9403% | 1,992 |
| Total domestic deposits to total assets | 79.7998% | 3,881 |
| Equity capital to assets | 13.2274% | 1,068 |
| Core capital (leverage) ratio | 12.0984% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7058% | 949 |
| Memoranda: | ||
| Average total assets | $327,234,000 | 2,103 |
| Average earning assets | $305,119,333 | 2,104 |
| Average equity | $43,543,667 | 1,868 |
| Average total loans | $227,667,000 | 2,029 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,973 |
| Cost of funding earning assets | 0.6825% | 3,006 |
| Net interest margin | 3.9267% | 1,591 |
| Noninterest income to average assets | 0.6105% | 1,997 |
| Noninterest expense to average assets | 2.5962% | 2,991 |
| Loan and lease loss provision to assets | 0.3133% | 989 |
| Net operating income to assets | 1.0714% | 1,931 |
| Return on assets (ROA) | 1.0233% | 2,201 |
| Pretax return on assets | 1.2881% | 1,901 |
| Return on Equity (ROE) | 7.6662% | 2,647 |
| Retained earnings to average equity (ytd only) | 1.8443% | 3,498 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9635% | 3,621 |
| Assets per employee ($millions) | 6.1189% | 1,582 |
| Cash dividends to net income (ytd only)* | 75.9417% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,039 |
| Loan loss allowance to noncurrent loans | 178.5182% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 1,977 |
| Noncurrent loans to loans | 0.9030% | 1,806 |
| Net loans and leases to total assets | 68.8598% | 2,414 |
| Net loans and leases to deposits | 87.0637% | 1,860 |
| Net loans and leases to core deposits | 92.6161% | 2,104 |
| Total domestic deposits to total assets | 79.0913% | 4,038 |
| Equity capital to assets | 13.6748% | 1,155 |
| Core capital (leverage) ratio | 12.1988% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2038% | 1,112 |
| Memoranda: | ||
| Average total assets | $321,706,500 | 2,082 |
| Average earning assets | $298,880,000 | 2,085 |
| Average equity | $42,942,000 | 1,883 |
| Average total loans | $222,854,500 | 2,034 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,725 |
| Cost of funding earning assets | 0.8693% | 2,334 |
| Net interest margin | 4.0404% | 1,709 |
| Noninterest income to average assets | 0.5331% | 2,565 |
| Noninterest expense to average assets | 2.6481% | 3,035 |
| Loan and lease loss provision to assets | 0.1950% | 1,045 |
| Net operating income to assets | 1.1664% | 2,191 |
| Return on assets (ROA) | 1.1904% | 2,190 |
| Pretax return on assets | 1.4700% | 1,899 |
| Return on Equity (ROE) | 9.4646% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.0813% | 2,376 |
| Net charge-offs to loans | -0.0035% | 4,289 |
| Credit loss provision to net charge-offs | -7,912.5000% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8205% | 3,410 |
| Assets per employee ($millions) | 6.2544% | 1,449 |
| Cash dividends to net income (ytd only)* | 46.3131% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,237 |
| Loan loss allowance to noncurrent loans | 128.2859% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 1,530 |
| Noncurrent loans to loans | 1.1667% | 1,300 |
| Net loans and leases to total assets | 67.5463% | 2,747 |
| Net loans and leases to deposits | 87.5847% | 1,900 |
| Net loans and leases to core deposits | 93.1443% | 2,142 |
| Total domestic deposits to total assets | 77.1210% | 4,478 |
| Equity capital to assets | 13.0287% | 1,504 |
| Core capital (leverage) ratio | 11.9622% | 1,805 |
| Tier 1 risk-based capital ratio | 16.7686% | 2,133 |
| Total risk-based capital ratio | 18.0210% | 2,069 |
| Memoranda: | ||
| Average total assets | $324,690,200 | 2,010 |
| Average earning assets | $301,378,600 | 2,016 |
| Average equity | $40,836,400 | 1,895 |
| Average total loans | $229,052,800 | 1,963 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 1,673 |
| Cost of funding earning assets | 0.9011% | 2,231 |
| Net interest margin | 4.0511% | 1,758 |
| Noninterest income to average assets | 0.5468% | 2,478 |
| Noninterest expense to average assets | 2.5852% | 3,206 |
| Loan and lease loss provision to assets | 0.2272% | 749 |
| Net operating income to assets | 1.1869% | 2,243 |
| Return on assets (ROA) | 1.2180% | 2,208 |
| Pretax return on assets | 1.5340% | 1,856 |
| Return on Equity (ROE) | 9.7726% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.4713% | 2,638 |
| Net charge-offs to loans | -0.0023% | 4,073 |
| Credit loss provision to net charge-offs | -13,825.0000% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0248% | 3,642 |
| Assets per employee ($millions) | 6.1843% | 1,470 |
| Cash dividends to net income (ytd only)* | 44.0136% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,560 |
| Loan loss allowance to noncurrent loans | 144.6222% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,857 |
| Noncurrent loans to loans | 0.9706% | 1,649 |
| Net loans and leases to total assets | 71.0755% | 2,310 |
| Net loans and leases to deposits | 90.6379% | 1,617 |
| Net loans and leases to core deposits | 95.8787% | 2,012 |
| Total domestic deposits to total assets | 78.4169% | 4,282 |
| Equity capital to assets | 13.0787% | 1,584 |
| Core capital (leverage) ratio | 11.9336% | 1,897 |
| Tier 1 risk-based capital ratio | 15.9599% | 2,441 |
| Total risk-based capital ratio | 17.2112% | 2,386 |
| Memoranda: | ||
| Average total assets | $324,555,500 | 2,019 |
| Average earning assets | $301,240,500 | 2,025 |
| Average equity | $40,452,250 | 1,917 |
| Average total loans | $230,561,500 | 1,968 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 1,710 |
| Cost of funding earning assets | 0.9055% | 2,112 |
| Net interest margin | 4.0084% | 1,895 |
| Noninterest income to average assets | 0.5621% | 2,331 |
| Noninterest expense to average assets | 2.6092% | 3,179 |
| Loan and lease loss provision to assets | 0.3397% | 383 |
| Net operating income to assets | 1.0722% | 2,639 |
| Return on assets (ROA) | 1.0849% | 2,650 |
| Pretax return on assets | 1.3497% | 2,380 |
| Return on Equity (ROE) | 8.8484% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.6898% | 2,929 |
| Net charge-offs to loans | -0.0043% | 4,088 |
| Credit loss provision to net charge-offs | -11,060.0000% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9238% | 3,589 |
| Assets per employee ($millions) | 6.5258% | 1,226 |
| Cash dividends to net income (ytd only)* | 46.9989% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,732 |
| Loan loss allowance to noncurrent loans | 1,686.5285% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,257 |
| Noncurrent loans to loans | 0.0813% | 4,314 |
| Net loans and leases to total assets | 71.7539% | 2,244 |
| Net loans and leases to deposits | 97.3918% | 900 |
| Net loans and leases to core deposits | 102.0215% | 1,549 |
| Total domestic deposits to total assets | 73.6755% | 4,856 |
| Equity capital to assets | 12.6124% | 1,790 |
| Core capital (leverage) ratio | 11.4650% | 2,197 |
| Tier 1 risk-based capital ratio | 15.3258% | 2,695 |
| Total risk-based capital ratio | 16.5767% | 2,626 |
| Memoranda: | ||
| Average total assets | $325,545,670 | 2,021 |
| Average earning assets | $302,167,670 | 2,025 |
| Average equity | $39,916,670 | 1,939 |
| Average total loans | $230,141,330 | 1,974 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 1,781 |
| Cost of funding earning assets | 0.8576% | 2,228 |
| Net interest margin | 3.9878% | 1,882 |
| Noninterest income to average assets | 0.6286% | 1,920 |
| Noninterest expense to average assets | 2.6140% | 3,173 |
| Loan and lease loss provision to assets | 0.4687% | 231 |
| Net operating income to assets | 1.0063% | 2,817 |
| Return on assets (ROA) | 1.0173% | 2,823 |
| Pretax return on assets | 1.2547% | 2,609 |
| Return on Equity (ROE) | 8.4176% | 3,073 |
| Retained earnings to average equity (ytd only) | 4.8043% | 2,992 |
| Net charge-offs to loans | -0.0035% | 3,946 |
| Credit loss provision to net charge-offs | -19,050.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4552% | 3,746 |
| Assets per employee ($millions) | 6.1837% | 1,415 |
| Cash dividends to net income (ytd only)* | 42.9262% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,956 |
| Loan loss allowance to noncurrent loans | 2,000.6494% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,366 |
| Noncurrent loans to loans | 0.0664% | 4,462 |
| Net loans and leases to total assets | 69.7795% | 2,515 |
| Net loans and leases to deposits | 90.8189% | 1,526 |
| Net loans and leases to core deposits | 95.2102% | 2,004 |
| Total domestic deposits to total assets | 76.8337% | 4,671 |
| Equity capital to assets | 12.1736% | 1,919 |
| Core capital (leverage) ratio | 11.4867% | 2,147 |
| Tier 1 risk-based capital ratio | 15.2997% | 2,751 |
| Total risk-based capital ratio | 16.5501% | 2,659 |
| Memoranda: | ||
| Average total assets | $325,174,000 | 2,039 |
| Average earning assets | $301,321,000 | 2,041 |
| Average equity | $39,298,500 | 1,952 |
| Average total loans | $226,522,000 | 2,014 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 1,687 |
| Cost of funding earning assets | 0.7150% | 1,996 |
| Net interest margin | 4.0320% | 1,882 |
| Noninterest income to average assets | 0.4855% | 2,910 |
| Noninterest expense to average assets | 2.6819% | 3,089 |
| Loan and lease loss provision to assets | 0.1296% | 1,702 |
| Net operating income to assets | 1.1429% | 2,419 |
| Return on assets (ROA) | 1.1377% | 2,444 |
| Pretax return on assets | 1.4032% | 2,128 |
| Return on Equity (ROE) | 9.6291% | 2,674 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,489 |
| Net charge-offs to loans | 0.0820% | 1,967 |
| Credit loss provision to net charge-offs | 222.9508% | 1,312 |
| Earnings coverage of net charge-offs (x) | 26.4863% | 1,720 |
| Efficiency ratio | 63.5297% | 3,259 |
| Assets per employee ($millions) | 6.0870% | 1,467 |
| Cash dividends to net income (ytd only)* | 22.7463% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,473 |
| Loan loss allowance to noncurrent loans | 1,568.0233% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,353 |
| Noncurrent loans to loans | 0.0777% | 4,401 |
| Net loans and leases to total assets | 67.7511% | 2,914 |
| Net loans and leases to deposits | 84.9653% | 2,410 |
| Net loans and leases to core deposits | 89.1622% | 2,635 |
| Total domestic deposits to total assets | 79.7398% | 4,161 |
| Equity capital to assets | 11.9958% | 1,899 |
| Core capital (leverage) ratio | 11.3667% | 2,205 |
| Tier 1 risk-based capital ratio | 15.4876% | 2,626 |
| Total risk-based capital ratio | 16.6392% | 2,590 |
| Memoranda: | ||
| Average total assets | $314,931,000 | 2,066 |
| Average earning assets | $291,762,400 | 2,066 |
| Average equity | $37,210,200 | 1,976 |
| Average total loans | $223,277,800 | 2,002 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 1,717 |
| Cost of funding earning assets | 0.6960% | 1,863 |
| Net interest margin | 3.9901% | 1,984 |
| Noninterest income to average assets | 0.4877% | 2,935 |
| Noninterest expense to average assets | 2.6205% | 3,227 |
| Loan and lease loss provision to assets | 0.1738% | 1,063 |
| Net operating income to assets | 1.1336% | 2,517 |
| Return on assets (ROA) | 1.1267% | 2,556 |
| Pretax return on assets | 1.3844% | 2,284 |
| Return on Equity (ROE) | 9.5733% | 2,808 |
| Retained earnings to average equity (ytd only) | 7.4016% | 1,927 |
| Net charge-offs to loans | 0.1138% | 1,362 |
| Credit loss provision to net charge-offs | 213.6126% | 1,318 |
| Earnings coverage of net charge-offs (x) | 19.2566% | 2,016 |
| Efficiency ratio | 62.5738% | 3,413 |
| Assets per employee ($millions) | 6.2272% | 1,333 |
| Cash dividends to net income (ytd only)* | 22.6843% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,897 |
| Loan loss allowance to noncurrent loans | 1,415.2632% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,474 |
| Noncurrent loans to loans | 0.0814% | 4,510 |
| Net loans and leases to total assets | 71.2645% | 2,451 |
| Net loans and leases to deposits | 93.0842% | 1,496 |
| Net loans and leases to core deposits | 97.9707% | 1,935 |
| Total domestic deposits to total assets | 76.5592% | 4,714 |
| Equity capital to assets | 11.4985% | 2,262 |
| Core capital (leverage) ratio | 11.2286% | 2,394 |
| Tier 1 risk-based capital ratio | 14.3742% | 3,187 |
| Total risk-based capital ratio | 15.4614% | 3,178 |
| Memoranda: | ||
| Average total assets | $313,010,500 | 2,090 |
| Average earning assets | $290,208,250 | 2,087 |
| Average equity | $36,837,750 | 1,992 |
| Average total loans | $223,779,500 | 1,999 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,823 |
| Cost of funding earning assets | 0.6540% | 1,906 |
| Net interest margin | 3.9312% | 2,102 |
| Noninterest income to average assets | 0.4867% | 2,936 |
| Noninterest expense to average assets | 2.6366% | 3,196 |
| Loan and lease loss provision to assets | 0.1810% | 993 |
| Net operating income to assets | 1.0830% | 2,654 |
| Return on assets (ROA) | 1.0724% | 2,705 |
| Pretax return on assets | 1.3044% | 2,492 |
| Return on Equity (ROE) | 9.0395% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.8600% | 2,141 |
| Net charge-offs to loans | 0.1832% | 857 |
| Credit loss provision to net charge-offs | 138.6139% | 1,653 |
| Earnings coverage of net charge-offs (x) | 11.4752% | 2,267 |
| Efficiency ratio | 63.7486% | 3,352 |
| Assets per employee ($millions) | 5.8172% | 1,623 |
| Cash dividends to net income (ytd only)* | 24.1109% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,193 |
| Loan loss allowance to noncurrent loans | 1,191.5888% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,441 |
| Noncurrent loans to loans | 0.0933% | 4,496 |
| Net loans and leases to total assets | 72.2049% | 2,243 |
| Net loans and leases to deposits | 91.9243% | 1,591 |
| Net loans and leases to core deposits | 98.8326% | 1,826 |
| Total domestic deposits to total assets | 78.5482% | 4,504 |
| Equity capital to assets | 11.7844% | 2,004 |
| Core capital (leverage) ratio | 11.0809% | 2,451 |
| Tier 1 risk-based capital ratio | 14.3191% | 3,198 |
| Total risk-based capital ratio | 15.3695% | 3,225 |
| Memoranda: | ||
| Average total assets | $309,408,670 | 2,122 |
| Average earning assets | $287,139,000 | 2,116 |
| Average equity | $36,705,670 | 2,001 |
| Average total loans | $220,554,330 | 2,027 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 2,027 |
| Cost of funding earning assets | 0.5762% | 2,198 |
| Net interest margin | 3.8717% | 2,148 |
| Noninterest income to average assets | 0.5002% | 2,798 |
| Noninterest expense to average assets | 2.6940% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1503% | 2,217 |
| Return on assets (ROA) | 1.1503% | 2,227 |
| Pretax return on assets | 1.3952% | 2,024 |
| Return on Equity (ROE) | 9.6636% | 2,602 |
| Retained earnings to average equity (ytd only) | 7.4748% | 2,063 |
| Net charge-offs to loans | 0.0296% | 1,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 66.9375% | 792 |
| Efficiency ratio | 65.8809% | 3,183 |
| Assets per employee ($millions) | 5.9369% | 1,567 |
| Cash dividends to net income (ytd only)* | 22.6501% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,191 |
| Loan loss allowance to noncurrent loans | 222.2624% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 3,223 |
| Noncurrent loans to loans | 0.5094% | 2,990 |
| Net loans and leases to total assets | 69.4640% | 2,569 |
| Net loans and leases to deposits | 85.1577% | 2,278 |
| Net loans and leases to core deposits | 93.8919% | 2,150 |
| Total domestic deposits to total assets | 81.5711% | 4,070 |
| Equity capital to assets | 11.8528% | 1,878 |
| Core capital (leverage) ratio | 11.3285% | 2,141 |
| Tier 1 risk-based capital ratio | 14.5952% | 3,071 |
| Total risk-based capital ratio | 15.6438% | 3,087 |
| Memoranda: | ||
| Average total assets | $307,049,500 | 2,151 |
| Average earning assets | $284,627,000 | 2,155 |
| Average equity | $36,549,500 | 2,013 |
| Average total loans | $216,149,000 | 2,071 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 1,767 |
| Cost of funding earning assets | 0.5075% | 2,263 |
| Net interest margin | 3.9767% | 1,822 |
| Noninterest income to average assets | 0.5164% | 2,902 |
| Noninterest expense to average assets | 2.7530% | 2,946 |
| Loan and lease loss provision to assets | 0.0521% | 3,185 |
| Net operating income to assets | 0.9649% | 2,385 |
| Return on assets (ROA) | 0.9922% | 2,317 |
| Pretax return on assets | 1.4270% | 1,902 |
| Return on Equity (ROE) | 8.4591% | 2,576 |
| Retained earnings to average equity (ytd only) | 4.2799% | 2,593 |
| Net charge-offs to loans | -0.0005% | 4,475 |
| Credit loss provision to net charge-offs | -15,900.0000% | 5,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6318% | 3,323 |
| Assets per employee ($millions) | 5.9878% | 1,523 |
| Cash dividends to net income (ytd only)* | 49.4052% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,074 |
| Loan loss allowance to noncurrent loans | 223.1047% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 3,225 |
| Noncurrent loans to loans | 0.5144% | 2,975 |
| Net loans and leases to total assets | 69.7234% | 2,563 |
| Net loans and leases to deposits | 89.9338% | 1,781 |
| Net loans and leases to core deposits | 94.1999% | 2,176 |
| Total domestic deposits to total assets | 77.5275% | 4,789 |
| Equity capital to assets | 11.9547% | 1,861 |
| Core capital (leverage) ratio | 11.0098% | 2,325 |
| Tier 1 risk-based capital ratio | 14.1956% | 3,260 |
| Total risk-based capital ratio | 15.2431% | 3,270 |
| Memoranda: | ||
| Average total assets | $304,979,400 | 2,141 |
| Average earning assets | $281,967,800 | 2,146 |
| Average equity | $35,772,000 | 2,040 |
| Average total loans | $214,897,600 | 2,040 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,724 |
| Cost of funding earning assets | 0.5060% | 2,217 |
| Net interest margin | 3.9655% | 1,816 |
| Noninterest income to average assets | 0.4867% | 3,108 |
| Noninterest expense to average assets | 2.6012% | 3,407 |
| Loan and lease loss provision to assets | 0.0695% | 2,686 |
| Net operating income to assets | 1.0789% | 2,182 |
| Return on assets (ROA) | 1.1169% | 2,073 |
| Pretax return on assets | 1.5354% | 1,645 |
| Return on Equity (ROE) | 9.5685% | 2,315 |
| Retained earnings to average equity (ytd only) | 5.0914% | 2,817 |
| Net charge-offs to loans | 0.0012% | 3,738 |
| Credit loss provision to net charge-offs | 7,950.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,773.2397% | 46 |
| Efficiency ratio | 62.5961% | 3,795 |
| Assets per employee ($millions) | 6.0626% | 1,448 |
| Cash dividends to net income (ytd only)* | 46.7892% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,343 |
| Loan loss allowance to noncurrent loans | 212.4785% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 3,342 |
| Noncurrent loans to loans | 0.5294% | 3,110 |
| Net loans and leases to total assets | 70.1880% | 2,527 |
| Net loans and leases to deposits | 91.9481% | 1,575 |
| Net loans and leases to core deposits | 96.2740% | 2,040 |
| Total domestic deposits to total assets | 76.3344% | 4,979 |
| Equity capital to assets | 11.8034% | 2,108 |
| Core capital (leverage) ratio | 11.0485% | 2,407 |
| Tier 1 risk-based capital ratio | 13.8601% | 3,506 |
| Total risk-based capital ratio | 14.8868% | 3,547 |
| Memoranda: | ||
| Average total assets | $304,879,750 | 2,158 |
| Average earning assets | $281,958,500 | 2,162 |
| Average equity | $35,588,250 | 2,053 |
| Average total loans | $214,774,000 | 2,047 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,755 |
| Cost of funding earning assets | 0.4990% | 2,168 |
| Net interest margin | 3.9202% | 1,862 |
| Noninterest income to average assets | 0.4778% | 3,161 |
| Noninterest expense to average assets | 2.6437% | 3,295 |
| Loan and lease loss provision to assets | 0.1048% | 1,931 |
| Net operating income to assets | 1.0040% | 2,409 |
| Return on assets (ROA) | 1.0065% | 2,433 |
| Pretax return on assets | 1.3571% | 2,176 |
| Return on Equity (ROE) | 8.6550% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.5822% | 3,571 |
| Net charge-offs to loans | 0.0009% | 3,492 |
| Credit loss provision to net charge-offs | 15,900.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 2,213.0000% | 20 |
| Efficiency ratio | 64.4120% | 3,604 |
| Assets per employee ($millions) | 6.3115% | 1,249 |
| Cash dividends to net income (ytd only)* | 58.6117% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,347 |
| Loan loss allowance to noncurrent loans | 225.7770% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 3,484 |
| Noncurrent loans to loans | 0.5067% | 3,242 |
| Net loans and leases to total assets | 70.4503% | 2,454 |
| Net loans and leases to deposits | 91.1631% | 1,589 |
| Net loans and leases to core deposits | 95.4441% | 2,029 |
| Total domestic deposits to total assets | 77.2794% | 4,917 |
| Equity capital to assets | 11.8447% | 2,044 |
| Core capital (leverage) ratio | 10.8507% | 2,549 |
| Tier 1 risk-based capital ratio | 13.4935% | 3,703 |
| Total risk-based capital ratio | 14.5158% | 3,741 |
| Memoranda: | ||
| Average total assets | $303,442,670 | 2,172 |
| Average earning assets | $280,544,330 | 2,170 |
| Average equity | $35,286,000 | 2,063 |
| Average total loans | $213,204,000 | 2,060 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 1,442 |
| Cost of funding earning assets | 0.4751% | 2,306 |
| Net interest margin | 3.9978% | 1,482 |
| Noninterest income to average assets | 0.4294% | 3,451 |
| Noninterest expense to average assets | 2.6712% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0564% | 2,047 |
| Return on assets (ROA) | 1.0564% | 2,091 |
| Pretax return on assets | 1.4489% | 1,699 |
| Return on Equity (ROE) | 9.1691% | 2,330 |
| Retained earnings to average equity (ytd only) | 3.1669% | 3,839 |
| Net charge-offs to loans | 0.0019% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,100.0000% | 39 |
| Efficiency ratio | 64.8018% | 3,699 |
| Assets per employee ($millions) | 5.8793% | 1,593 |
| Cash dividends to net income (ytd only)* | 65.4613% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,805 |
| Loan loss allowance to noncurrent loans | 1,229.2553% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,846 |
| Noncurrent loans to loans | 0.0881% | 4,840 |
| Net loans and leases to total assets | 69.0367% | 2,523 |
| Net loans and leases to deposits | 88.7956% | 1,694 |
| Net loans and leases to core deposits | 93.1536% | 2,052 |
| Total domestic deposits to total assets | 77.7478% | 5,001 |
| Equity capital to assets | 11.5065% | 2,174 |
| Core capital (leverage) ratio | 10.6489% | 2,742 |
| Tier 1 risk-based capital ratio | 13.4139% | 3,826 |
| Total risk-based capital ratio | 14.3751% | 3,913 |
| Memoranda: | ||
| Average total assets | $303,687,000 | 2,186 |
| Average earning assets | $280,354,000 | 2,189 |
| Average equity | $34,987,000 | 2,082 |
| Average total loans | $211,855,000 | 2,083 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,259 |
| Cost of funding earning assets | 0.4639% | 2,408 |
| Net interest margin | 3.8009% | 2,315 |
| Noninterest income to average assets | 0.5920% | 2,702 |
| Noninterest expense to average assets | 2.6611% | 3,485 |
| Loan and lease loss provision to assets | 0.0720% | 2,916 |
| Net operating income to assets | 1.0183% | 2,272 |
| Return on assets (ROA) | 1.0976% | 2,007 |
| Pretax return on assets | 1.4727% | 1,672 |
| Return on Equity (ROE) | 9.2443% | 2,290 |
| Retained earnings to average equity (ytd only) | 3.4487% | 3,473 |
| Net charge-offs to loans | 0.0079% | 3,995 |
| Credit loss provision to net charge-offs | 1,325.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 264.6875% | 271 |
| Efficiency ratio | 64.8599% | 3,789 |
| Assets per employee ($millions) | 5.6915% | 1,701 |
| Cash dividends to net income (ytd only)* | 62.6935% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,723 |
| Loan loss allowance to noncurrent loans | 309.0909% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 4,065 |
| Noncurrent loans to loans | 0.3556% | 3,859 |
| Net loans and leases to total assets | 68.9625% | 2,627 |
| Net loans and leases to deposits | 87.9762% | 1,929 |
| Net loans and leases to core deposits | 91.2183% | 2,374 |
| Total domestic deposits to total assets | 78.3876% | 4,917 |
| Equity capital to assets | 11.5352% | 2,135 |
| Core capital (leverage) ratio | 10.7152% | 2,635 |
| Tier 1 risk-based capital ratio | 13.4639% | 3,791 |
| Total risk-based capital ratio | 14.4375% | 3,875 |
| Memoranda: | ||
| Average total assets | $294,281,000 | 2,199 |
| Average earning assets | $271,616,600 | 2,202 |
| Average equity | $34,940,600 | 2,080 |
| Average total loans | $202,924,600 | 2,099 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,155 |
| Cost of funding earning assets | 0.4623% | 2,442 |
| Net interest margin | 3.8397% | 2,195 |
| Noninterest income to average assets | 0.5977% | 2,676 |
| Noninterest expense to average assets | 2.5705% | 3,762 |
| Loan and lease loss provision to assets | 0.0967% | 2,294 |
| Net operating income to assets | 1.0905% | 2,039 |
| Return on assets (ROA) | 1.1954% | 1,750 |
| Pretax return on assets | 1.6208% | 1,328 |
| Return on Equity (ROE) | 9.9950% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.2770% | 3,280 |
| Net charge-offs to loans | 0.0113% | 3,538 |
| Credit loss provision to net charge-offs | 1,247.0588% | 339 |
| Earnings coverage of net charge-offs (x) | 203.2589% | 367 |
| Efficiency ratio | 61.9529% | 4,240 |
| Assets per employee ($millions) | 5.5761% | 1,775 |
| Cash dividends to net income (ytd only)* | 57.2083% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,714 |
| Loan loss allowance to noncurrent loans | 1,022.5664% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,773 |
| Noncurrent loans to loans | 0.1098% | 4,904 |
| Net loans and leases to total assets | 70.1722% | 2,464 |
| Net loans and leases to deposits | 88.9517% | 1,893 |
| Net loans and leases to core deposits | 92.5815% | 2,324 |
| Total domestic deposits to total assets | 78.8880% | 4,747 |
| Equity capital to assets | 12.3345% | 1,875 |
| Core capital (leverage) ratio | 11.0681% | 2,381 |
| Tier 1 risk-based capital ratio | 14.1407% | 3,483 |
| Total risk-based capital ratio | 15.1655% | 3,528 |
| Memoranda: | ||
| Average total assets | $292,438,500 | 2,219 |
| Average earning assets | $270,260,000 | 2,214 |
| Average equity | $34,976,750 | 2,090 |
| Average total loans | $201,071,250 | 2,117 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 2,481 |
| Cost of funding earning assets | 0.4611% | 2,464 |
| Net interest margin | 3.7501% | 2,514 |
| Noninterest income to average assets | 0.5258% | 3,033 |
| Noninterest expense to average assets | 2.5854% | 3,773 |
| Loan and lease loss provision to assets | 0.1446% | 1,585 |
| Net operating income to assets | 0.9607% | 2,576 |
| Return on assets (ROA) | 1.0182% | 2,444 |
| Pretax return on assets | 1.3380% | 2,254 |
| Return on Equity (ROE) | 8.6017% | 2,695 |
| Retained earnings to average equity (ytd only) | 2.8404% | 4,099 |
| Net charge-offs to loans | -0.0010% | 4,318 |
| Credit loss provision to net charge-offs | -21,200.0000% | 5,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7079% | 3,899 |
| Assets per employee ($millions) | 5.7651% | 1,572 |
| Cash dividends to net income (ytd only)* | 66.9792% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,654 |
| Loan loss allowance to noncurrent loans | 167.0732% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 3,218 |
| Noncurrent loans to loans | 0.6877% | 3,016 |
| Net loans and leases to total assets | 68.1474% | 2,754 |
| Net loans and leases to deposits | 87.3477% | 2,089 |
| Net loans and leases to core deposits | 91.2248% | 2,412 |
| Total domestic deposits to total assets | 78.0185% | 4,997 |
| Equity capital to assets | 12.0910% | 2,062 |
| Core capital (leverage) ratio | 10.6332% | 2,811 |
| Tier 1 risk-based capital ratio | 13.9973% | 3,607 |
| Total risk-based capital ratio | 15.0402% | 3,644 |
| Memoranda: | ||
| Average total assets | $293,265,330 | 2,222 |
| Average earning assets | $271,089,670 | 2,227 |
| Average equity | $34,714,000 | 2,105 |
| Average total loans | $199,501,330 | 2,130 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 2,368 |
| Cost of funding earning assets | 0.4581% | 2,489 |
| Net interest margin | 3.7728% | 2,394 |
| Noninterest income to average assets | 0.5217% | 2,974 |
| Noninterest expense to average assets | 2.6071% | 3,728 |
| Loan and lease loss provision to assets | 0.2267% | 820 |
| Net operating income to assets | 0.9232% | 2,632 |
| Return on assets (ROA) | 0.9232% | 2,742 |
| Pretax return on assets | 1.1636% | 2,838 |
| Return on Equity (ROE) | 7.8843% | 2,982 |
| Retained earnings to average equity (ytd only) | 2.0527% | 4,434 |
| Net charge-offs to loans | -0.0081% | 4,451 |
| Credit loss provision to net charge-offs | -4,150.0000% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1862% | 3,945 |
| Assets per employee ($millions) | 5.9640% | 1,426 |
| Cash dividends to net income (ytd only)* | 73.9645% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 3,818 |
| Loan loss allowance to noncurrent loans | 220.6564% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 3,659 |
| Noncurrent loans to loans | 0.5180% | 3,631 |
| Net loans and leases to total assets | 66.3083% | 2,900 |
| Net loans and leases to deposits | 84.1429% | 2,287 |
| Net loans and leases to core deposits | 87.5838% | 2,603 |
| Total domestic deposits to total assets | 78.8044% | 5,011 |
| Equity capital to assets | 11.6329% | 2,307 |
| Core capital (leverage) ratio | 10.8098% | 2,607 |
| Tier 1 risk-based capital ratio | 13.2848% | 4,104 |
| Total risk-based capital ratio | 14.2664% | 4,170 |
| Memoranda: | ||
| Average total assets | $292,888,000 | 2,230 |
| Average earning assets | $269,824,500 | 2,244 |
| Average equity | $34,296,000 | 2,125 |
| Average total loans | $197,904,000 | 2,143 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,510 |
| Cost of funding earning assets | 0.4636% | 2,502 |
| Net interest margin | 3.7516% | 2,547 |
| Noninterest income to average assets | 0.4726% | 3,514 |
| Noninterest expense to average assets | 2.4274% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1447% | 1,748 |
| Return on assets (ROA) | 1.2146% | 1,570 |
| Pretax return on assets | 1.6348% | 1,152 |
| Return on Equity (ROE) | 10.6354% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.1624% | 3,033 |
| Net charge-offs to loans | 0.0052% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 450.1000% | 148 |
| Efficiency ratio | 60.9712% | 4,766 |
| Assets per employee ($millions) | 5.7516% | 1,580 |
| Cash dividends to net income (ytd only)* | 60.8622% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 4,148 |
| Loan loss allowance to noncurrent loans | 849.7992% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,621 |
| Noncurrent loans to loans | 0.1272% | 4,985 |
| Net loans and leases to total assets | 67.3473% | 2,811 |
| Net loans and leases to deposits | 86.2507% | 2,099 |
| Net loans and leases to core deposits | 89.7034% | 2,431 |
| Total domestic deposits to total assets | 78.0832% | 5,148 |
| Equity capital to assets | 11.7891% | 2,116 |
| Core capital (leverage) ratio | 10.8134% | 2,590 |
| Tier 1 risk-based capital ratio | 13.7491% | 3,855 |
| Total risk-based capital ratio | 14.6948% | 3,975 |
| Memoranda: | ||
| Average total assets | $292,201,200 | 2,196 |
| Average earning assets | $272,233,800 | 2,188 |
| Average equity | $33,369,800 | 2,130 |
| Average total loans | $190,928,000 | 2,149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,623 |
| Cost of funding earning assets | 0.4627% | 2,555 |
| Net interest margin | 3.7241% | 2,664 |
| Noninterest income to average assets | 0.4813% | 3,494 |
| Noninterest expense to average assets | 2.2725% | 4,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2401% | 1,525 |
| Return on assets (ROA) | 1.3317% | 1,315 |
| Pretax return on assets | 1.8171% | 868 |
| Return on Equity (ROE) | 11.7539% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.9743% | 2,934 |
| Net charge-offs to loans | 0.0063% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 413.5450% | 183 |
| Efficiency ratio | 57.1199% | 5,214 |
| Assets per employee ($millions) | 5.7183% | 1,581 |
| Cash dividends to net income (ytd only)* | 57.6792% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 4,333 |
| Loan loss allowance to noncurrent loans | 712.7946% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 4,190 |
| Noncurrent loans to loans | 0.1517% | 5,029 |
| Net loans and leases to total assets | 67.7511% | 2,717 |
| Net loans and leases to deposits | 88.0152% | 1,899 |
| Net loans and leases to core deposits | 91.5969% | 2,304 |
| Total domestic deposits to total assets | 76.9766% | 5,340 |
| Equity capital to assets | 11.8347% | 2,234 |
| Core capital (leverage) ratio | 10.7893% | 2,730 |
| Tier 1 risk-based capital ratio | 13.7940% | 3,969 |
| Total risk-based capital ratio | 14.7479% | 4,070 |
| Memoranda: | ||
| Average total assets | $293,357,000 | 2,202 |
| Average earning assets | $274,350,750 | 2,188 |
| Average equity | $33,236,500 | 2,149 |
| Average total loans | $189,712,000 | 2,175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,708 |
| Cost of funding earning assets | 0.4608% | 2,603 |
| Net interest margin | 3.6933% | 2,736 |
| Noninterest income to average assets | 0.4543% | 3,666 |
| Noninterest expense to average assets | 2.2796% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2050% | 1,585 |
| Return on assets (ROA) | 1.3021% | 1,375 |
| Pretax return on assets | 1.7679% | 942 |
| Return on Equity (ROE) | 11.6599% | 1,486 |
| Retained earnings to average equity (ytd only) | 4.3346% | 3,263 |
| Net charge-offs to loans | -0.0021% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0010% | 5,221 |
| Assets per employee ($millions) | 5.8125% | 1,486 |
| Cash dividends to net income (ytd only)* | 62.8245% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,303 |
| Loan loss allowance to noncurrent loans | 548.4536% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 4,188 |
| Noncurrent loans to loans | 0.2012% | 4,964 |
| Net loans and leases to total assets | 65.6345% | 3,016 |
| Net loans and leases to deposits | 87.0388% | 1,939 |
| Net loans and leases to core deposits | 90.2621% | 2,320 |
| Total domestic deposits to total assets | 75.4083% | 5,661 |
| Equity capital to assets | 11.3267% | 2,548 |
| Core capital (leverage) ratio | 10.3632% | 3,127 |
| Tier 1 risk-based capital ratio | 13.3969% | 4,278 |
| Total risk-based capital ratio | 14.3445% | 4,380 |
| Memoranda: | ||
| Average total assets | $295,838,000 | 2,200 |
| Average earning assets | $277,313,670 | 2,183 |
| Average equity | $33,036,330 | 2,168 |
| Average total loans | $187,673,670 | 2,204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 2,712 |
| Cost of funding earning assets | 0.4611% | 2,667 |
| Net interest margin | 3.6676% | 2,742 |
| Noninterest income to average assets | 0.4637% | 3,544 |
| Noninterest expense to average assets | 2.3602% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1206% | 1,797 |
| Return on assets (ROA) | 1.3095% | 1,329 |
| Pretax return on assets | 1.7946% | 873 |
| Return on Equity (ROE) | 11.8083% | 1,398 |
| Retained earnings to average equity (ytd only) | 3.2270% | 4,054 |
| Net charge-offs to loans | -0.0022% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3715% | 5,044 |
| Assets per employee ($millions) | 5.7805% | 1,567 |
| Cash dividends to net income (ytd only)* | 72.6714% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 4,383 |
| Loan loss allowance to noncurrent loans | 571.7742% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 4,215 |
| Noncurrent loans to loans | 0.1974% | 5,070 |
| Net loans and leases to total assets | 63.2123% | 3,210 |
| Net loans and leases to deposits | 81.7582% | 2,367 |
| Net loans and leases to core deposits | 85.3237% | 2,615 |
| Total domestic deposits to total assets | 77.3162% | 5,566 |
| Equity capital to assets | 11.2698% | 2,683 |
| Core capital (leverage) ratio | 10.1179% | 3,444 |
| Tier 1 risk-based capital ratio | 13.4485% | 4,350 |
| Total risk-based capital ratio | 14.4137% | 4,429 |
| Memoranda: | ||
| Average total assets | $298,445,500 | 2,205 |
| Average earning assets | $279,312,500 | 2,182 |
| Average equity | $33,095,500 | 2,172 |
| Average total loans | $185,072,000 | 2,229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 3,229 |
| Cost of funding earning assets | 0.4924% | 2,746 |
| Net interest margin | 3.6317% | 3,287 |
| Noninterest income to average assets | 0.4905% | 3,581 |
| Noninterest expense to average assets | 2.3223% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1743% | 1,660 |
| Return on assets (ROA) | 1.2513% | 1,490 |
| Pretax return on assets | 1.6594% | 1,075 |
| Return on Equity (ROE) | 11.7705% | 1,471 |
| Retained earnings to average equity (ytd only) | 6.0590% | 1,890 |
| Net charge-offs to loans | -0.0248% | 5,749 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6473% | 5,270 |
| Assets per employee ($millions) | 5.9233% | 1,435 |
| Cash dividends to net income (ytd only)* | 48.5238% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 4,167 |
| Loan loss allowance to noncurrent loans | 577.7174% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 4,324 |
| Noncurrent loans to loans | 0.2026% | 5,093 |
| Net loans and leases to total assets | 59.4327% | 3,855 |
| Net loans and leases to deposits | 79.9995% | 2,713 |
| Net loans and leases to core deposits | 83.5259% | 2,951 |
| Total domestic deposits to total assets | 74.2914% | 5,926 |
| Equity capital to assets | 10.9131% | 2,992 |
| Core capital (leverage) ratio | 10.1293% | 3,397 |
| Tier 1 risk-based capital ratio | 13.6369% | 4,334 |
| Total risk-based capital ratio | 14.6248% | 4,421 |
| Memoranda: | ||
| Average total assets | $292,340,400 | 2,199 |
| Average earning assets | $272,766,600 | 2,175 |
| Average equity | $31,077,600 | 2,216 |
| Average total loans | $169,500,800 | 2,324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,231 |
| Cost of funding earning assets | 0.4987% | 2,784 |
| Net interest margin | 3.6375% | 3,280 |
| Noninterest income to average assets | 0.4645% | 3,773 |
| Noninterest expense to average assets | 2.2273% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2209% | 1,603 |
| Return on assets (ROA) | 1.3158% | 1,383 |
| Pretax return on assets | 1.7587% | 965 |
| Return on Equity (ROE) | 12.4638% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.6479% | 2,013 |
| Net charge-offs to loans | 0.0008% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3,557.8045% | 11 |
| Efficiency ratio | 57.4833% | 5,513 |
| Assets per employee ($millions) | 5.7643% | 1,516 |
| Cash dividends to net income (ytd only)* | 46.6621% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,116 |
| Loan loss allowance to noncurrent loans | 566.0326% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 4,453 |
| Noncurrent loans to loans | 0.2159% | 5,256 |
| Net loans and leases to total assets | 58.4156% | 4,016 |
| Net loans and leases to deposits | 77.5009% | 3,004 |
| Net loans and leases to core deposits | 82.2097% | 3,087 |
| Total domestic deposits to total assets | 75.3740% | 5,886 |
| Equity capital to assets | 11.1423% | 2,824 |
| Core capital (leverage) ratio | 9.9663% | 3,727 |
| Tier 1 risk-based capital ratio | 14.2335% | 4,061 |
| Total risk-based capital ratio | 15.2564% | 4,148 |
| Memoranda: | ||
| Average total assets | $289,904,000 | 2,226 |
| Average earning assets | $270,580,000 | 2,208 |
| Average equity | $30,605,250 | 2,253 |
| Average total loans | $166,460,000 | 2,373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,455 |
| Cost of funding earning assets | 0.4967% | 2,869 |
| Net interest margin | 3.5755% | 3,461 |
| Noninterest income to average assets | 0.4441% | 3,910 |
| Noninterest expense to average assets | 2.2481% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1547% | 1,741 |
| Return on assets (ROA) | 1.2463% | 1,518 |
| Pretax return on assets | 1.6470% | 1,146 |
| Return on Equity (ROE) | 12.0256% | 1,414 |
| Retained earnings to average equity (ytd only) | 6.0128% | 2,319 |
| Net charge-offs to loans | 0.0024% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,108.5000% | 56 |
| Efficiency ratio | 59.3214% | 5,385 |
| Assets per employee ($millions) | 5.8242% | 1,402 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,021 |
| Loan loss allowance to noncurrent loans | 779.7753% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 4,623 |
| Noncurrent loans to loans | 0.1630% | 5,523 |
| Net loans and leases to total assets | 55.5492% | 4,341 |
| Net loans and leases to deposits | 74.0816% | 3,303 |
| Net loans and leases to core deposits | 77.9422% | 3,447 |
| Total domestic deposits to total assets | 74.9839% | 6,028 |
| Equity capital to assets | 10.7358% | 3,162 |
| Core capital (leverage) ratio | 9.7866% | 3,907 |
| Tier 1 risk-based capital ratio | 14.1765% | 4,140 |
| Total risk-based capital ratio | 15.2174% | 4,217 |
| Memoranda: | ||
| Average total assets | $290,466,670 | 2,223 |
| Average earning assets | $270,565,670 | 2,205 |
| Average equity | $30,102,330 | 2,272 |
| Average total loans | $165,131,330 | 2,392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,661 |
| Cost of funding earning assets | 0.4963% | 2,944 |
| Net interest margin | 3.5093% | 3,652 |
| Noninterest income to average assets | 0.4399% | 3,872 |
| Noninterest expense to average assets | 2.3137% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0714% | 1,924 |
| Return on assets (ROA) | 1.1362% | 1,744 |
| Pretax return on assets | 1.4768% | 1,499 |
| Return on Equity (ROE) | 11.1647% | 1,634 |
| Retained earnings to average equity (ytd only) | 4.9184% | 3,163 |
| Net charge-offs to loans | 0.0048% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 77 |
| Efficiency ratio | 62.2024% | 5,092 |
| Assets per employee ($millions) | 5.7465% | 1,500 |
| Cash dividends to net income (ytd only)* | 55.9466% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,169 |
| Loan loss allowance to noncurrent loans | 1,735.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 5,044 |
| Noncurrent loans to loans | 0.0744% | 5,916 |
| Net loans and leases to total assets | 54.3179% | 4,376 |
| Net loans and leases to deposits | 69.9292% | 3,609 |
| Net loans and leases to core deposits | 73.5256% | 3,696 |
| Total domestic deposits to total assets | 77.6755% | 5,873 |
| Equity capital to assets | 10.2753% | 3,511 |
| Core capital (leverage) ratio | 9.6042% | 4,127 |
| Tier 1 risk-based capital ratio | 14.2116% | 4,190 |
| Total risk-based capital ratio | 15.2756% | 4,256 |
| Memoranda: | ||
| Average total assets | $290,094,000 | 2,233 |
| Average earning assets | $270,024,000 | 2,217 |
| Average equity | $29,521,500 | 2,298 |
| Average total loans | $165,773,000 | 2,387 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,979 |
| Cost of funding earning assets | 0.5549% | 3,071 |
| Net interest margin | 3.4757% | 4,004 |
| Noninterest income to average assets | 0.4776% | 3,910 |
| Noninterest expense to average assets | 2.3160% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0677% | 2,049 |
| Return on assets (ROA) | 1.0789% | 2,080 |
| Pretax return on assets | 1.3971% | 1,789 |
| Return on Equity (ROE) | 10.6164% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.8418% | 1,108 |
| Net charge-offs to loans | -0.0443% | 6,306 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3594% | 5,145 |
| Assets per employee ($millions) | 5.6297% | 1,539 |
| Cash dividends to net income (ytd only)* | 26.1352% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,524 |
| Loan loss allowance to noncurrent loans | 463.1111% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 4,691 |
| Noncurrent loans to loans | 0.2643% | 5,391 |
| Net loans and leases to total assets | 58.5790% | 3,941 |
| Net loans and leases to deposits | 75.9037% | 2,978 |
| Net loans and leases to core deposits | 79.5814% | 3,178 |
| Total domestic deposits to total assets | 77.1753% | 5,943 |
| Equity capital to assets | 10.0758% | 3,661 |
| Core capital (leverage) ratio | 9.7880% | 3,855 |
| Tier 1 risk-based capital ratio | 13.5111% | 4,644 |
| Total risk-based capital ratio | 14.5373% | 4,735 |
| Memoranda: | ||
| Average total assets | $283,726,600 | 2,244 |
| Average earning assets | $262,940,200 | 2,230 |
| Average equity | $28,832,800 | 2,318 |
| Average total loans | $167,145,600 | 2,337 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 4,484 |
| Cost of funding earning assets | 0.5655% | 3,116 |
| Net interest margin | 3.3398% | 4,496 |
| Noninterest income to average assets | 0.4544% | 4,124 |
| Noninterest expense to average assets | 2.2553% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0100% | 2,338 |
| Return on assets (ROA) | 1.0148% | 2,406 |
| Pretax return on assets | 1.3004% | 2,329 |
| Return on Equity (ROE) | 9.9643% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.2618% | 2,258 |
| Net charge-offs to loans | -0.0665% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2585% | 4,929 |
| Assets per employee ($millions) | 5.5661% | 1,569 |
| Cash dividends to net income (ytd only)* | 37.1575% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,553 |
| Loan loss allowance to noncurrent loans | 141.6103% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 3,656 |
| Noncurrent loans to loans | 0.8952% | 4,034 |
| Net loans and leases to total assets | 57.4227% | 4,098 |
| Net loans and leases to deposits | 76.1277% | 2,946 |
| Net loans and leases to core deposits | 79.8905% | 3,145 |
| Total domestic deposits to total assets | 75.4294% | 6,234 |
| Equity capital to assets | 10.0239% | 3,871 |
| Core capital (leverage) ratio | 9.5472% | 4,339 |
| Tier 1 risk-based capital ratio | 13.4587% | 4,784 |
| Total risk-based capital ratio | 14.5207% | 4,864 |
| Memoranda: | ||
| Average total assets | $282,879,500 | 2,262 |
| Average earning assets | $262,167,000 | 2,240 |
| Average equity | $28,808,750 | 2,345 |
| Average total loans | $166,363,750 | 2,347 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,568 |
| Cost of funding earning assets | 0.5703% | 3,218 |
| Net interest margin | 3.3049% | 4,562 |
| Noninterest income to average assets | 0.4877% | 3,912 |
| Noninterest expense to average assets | 2.2368% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0227% | 2,228 |
| Return on assets (ROA) | 1.0299% | 2,321 |
| Pretax return on assets | 1.3286% | 2,200 |
| Return on Equity (ROE) | 10.0599% | 2,175 |
| Retained earnings to average equity (ytd only) | 6.5683% | 2,109 |
| Net charge-offs to loans | -0.0024% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6194% | 5,077 |
| Assets per employee ($millions) | 5.4436% | 1,635 |
| Cash dividends to net income (ytd only)* | 34.7079% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 4,765 |
| Loan loss allowance to noncurrent loans | 137.0572% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 3,459 |
| Noncurrent loans to loans | 0.9071% | 4,112 |
| Net loans and leases to total assets | 57.5696% | 4,053 |
| Net loans and leases to deposits | 76.9235% | 2,738 |
| Net loans and leases to core deposits | 80.6474% | 2,957 |
| Total domestic deposits to total assets | 74.8401% | 6,374 |
| Equity capital to assets | 10.1411% | 3,733 |
| Core capital (leverage) ratio | 9.5031% | 4,245 |
| Tier 1 risk-based capital ratio | 13.5925% | 4,716 |
| Total risk-based capital ratio | 14.6398% | 4,799 |
| Memoranda: | ||
| Average total assets | $282,548,670 | 2,272 |
| Average earning assets | $262,339,670 | 2,247 |
| Average equity | $28,926,670 | 2,349 |
| Average total loans | $166,785,000 | 2,344 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,545 |
| Cost of funding earning assets | 0.5729% | 3,350 |
| Net interest margin | 3.3087% | 4,484 |
| Noninterest income to average assets | 0.5207% | 3,625 |
| Noninterest expense to average assets | 2.2764% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0271% | 2,115 |
| Return on assets (ROA) | 1.0414% | 2,176 |
| Pretax return on assets | 1.3347% | 2,104 |
| Return on Equity (ROE) | 10.1252% | 2,016 |
| Retained earnings to average equity (ytd only) | 6.6455% | 2,347 |
| Net charge-offs to loans | -0.0047% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0859% | 5,142 |
| Assets per employee ($millions) | 5.6458% | 1,546 |
| Cash dividends to net income (ytd only)* | 34.3666% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,037 |
| Loan loss allowance to noncurrent loans | 107.0213% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 3,516 |
| Noncurrent loans to loans | 1.1520% | 3,854 |
| Net loans and leases to total assets | 57.0970% | 3,902 |
| Net loans and leases to deposits | 74.3242% | 2,881 |
| Net loans and leases to core deposits | 77.3633% | 3,150 |
| Total domestic deposits to total assets | 76.8215% | 6,266 |
| Equity capital to assets | 10.4046% | 3,663 |
| Core capital (leverage) ratio | 9.3004% | 4,398 |
| Tier 1 risk-based capital ratio | 13.3787% | 4,952 |
| Total risk-based capital ratio | 14.4284% | 5,036 |
| Memoranda: | ||
| Average total assets | $285,011,000 | 2,288 |
| Average earning assets | $264,639,500 | 2,259 |
| Average equity | $29,313,000 | 2,349 |
| Average total loans | $169,258,000 | 2,332 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 3,732 |
| Cost of funding earning assets | 0.7091% | 3,424 |
| Net interest margin | 3.7113% | 3,599 |
| Noninterest income to average assets | 0.6479% | 3,002 |
| Noninterest expense to average assets | 2.3877% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2187% | 1,537 |
| Return on assets (ROA) | 1.3755% | 1,261 |
| Pretax return on assets | 1.9075% | 745 |
| Return on Equity (ROE) | 12.9073% | 1,252 |
| Retained earnings to average equity (ytd only) | 4.8844% | 2,782 |
| Net charge-offs to loans | 0.0479% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 57.2125% | 618 |
| Efficiency ratio | 58.2979% | 5,788 |
| Assets per employee ($millions) | 5.5333% | 1,660 |
| Cash dividends to net income (ytd only)* | 62.1578% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,358 |
| Loan loss allowance to noncurrent loans | 104.0911% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 3,617 |
| Noncurrent loans to loans | 1.1014% | 3,999 |
| Net loans and leases to total assets | 60.2348% | 3,564 |
| Net loans and leases to deposits | 81.8030% | 2,025 |
| Net loans and leases to core deposits | 84.7320% | 2,461 |
| Total domestic deposits to total assets | 73.6340% | 6,566 |
| Equity capital to assets | 10.1674% | 3,935 |
| Core capital (leverage) ratio | 9.2806% | 4,451 |
| Tier 1 risk-based capital ratio | 12.2743% | 5,616 |
| Total risk-based capital ratio | 13.2553% | 5,740 |
| Memoranda: | ||
| Average total assets | $270,884,200 | 2,335 |
| Average earning assets | $250,317,200 | 2,321 |
| Average equity | $28,867,400 | 2,330 |
| Average total loans | $166,972,600 | 2,342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 3,581 |
| Cost of funding earning assets | 0.7422% | 3,411 |
| Net interest margin | 3.7713% | 3,461 |
| Noninterest income to average assets | 0.5955% | 3,306 |
| Noninterest expense to average assets | 2.2699% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2883% | 1,475 |
| Return on assets (ROA) | 1.3884% | 1,375 |
| Pretax return on assets | 1.9519% | 774 |
| Return on Equity (ROE) | 12.8693% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.1460% | 2,036 |
| Net charge-offs to loans | 0.0412% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 71.0178% | 579 |
| Efficiency ratio | 55.3541% | 6,125 |
| Assets per employee ($millions) | 5.0756% | 2,081 |
| Cash dividends to net income (ytd only)* | 44.4726% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,975 |
| Loan loss allowance to noncurrent loans | 124.8622% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 3,879 |
| Noncurrent loans to loans | 1.0128% | 4,427 |
| Net loans and leases to total assets | 59.1809% | 3,936 |
| Net loans and leases to deposits | 77.5022% | 2,728 |
| Net loans and leases to core deposits | 80.1319% | 3,192 |
| Total domestic deposits to total assets | 76.3603% | 6,332 |
| Equity capital to assets | 11.0799% | 3,180 |
| Core capital (leverage) ratio | 9.4617% | 4,330 |
| Tier 1 risk-based capital ratio | 13.4723% | 4,892 |
| Total risk-based capital ratio | 14.5592% | 4,983 |
| Memoranda: | ||
| Average total assets | $266,671,750 | 2,403 |
| Average earning assets | $246,452,250 | 2,384 |
| Average equity | $28,770,500 | 2,351 |
| Average total loans | $164,884,250 | 2,390 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 3,440 |
| Cost of funding earning assets | 0.7596% | 3,522 |
| Net interest margin | 3.8225% | 3,253 |
| Noninterest income to average assets | 0.5890% | 3,327 |
| Noninterest expense to average assets | 2.2889% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3232% | 1,380 |
| Return on assets (ROA) | 1.3080% | 1,570 |
| Pretax return on assets | 1.8180% | 1,004 |
| Return on Equity (ROE) | 12.2356% | 1,596 |
| Retained earnings to average equity (ytd only) | 6.5012% | 2,382 |
| Net charge-offs to loans | -0.1023% | 6,866 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1749% | 6,209 |
| Assets per employee ($millions) | 5.3647% | 1,748 |
| Cash dividends to net income (ytd only)* | 46.8660% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,711 |
| Loan loss allowance to noncurrent loans | 110.1266% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 3,867 |
| Noncurrent loans to loans | 1.2144% | 4,124 |
| Net loans and leases to total assets | 58.6469% | 4,056 |
| Net loans and leases to deposits | 79.9441% | 2,392 |
| Net loans and leases to core deposits | 83.0912% | 2,817 |
| Total domestic deposits to total assets | 73.3598% | 6,724 |
| Equity capital to assets | 10.6103% | 3,559 |
| Core capital (leverage) ratio | 9.3062% | 4,445 |
| Tier 1 risk-based capital ratio | 12.7643% | 5,364 |
| Total risk-based capital ratio | 13.8906% | 5,447 |
| Memoranda: | ||
| Average total assets | $265,892,670 | 2,408 |
| Average earning assets | $246,174,000 | 2,386 |
| Average equity | $28,425,330 | 2,357 |
| Average total loans | $166,098,670 | 2,390 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 3,182 |
| Cost of funding earning assets | 0.7842% | 3,590 |
| Net interest margin | 3.8829% | 2,991 |
| Noninterest income to average assets | 0.5068% | 3,867 |
| Noninterest expense to average assets | 2.3279% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2860% | 1,486 |
| Return on assets (ROA) | 1.2548% | 1,759 |
| Pretax return on assets | 1.7188% | 1,258 |
| Return on Equity (ROE) | 11.6915% | 1,772 |
| Retained earnings to average equity (ytd only) | 6.0733% | 2,911 |
| Net charge-offs to loans | -0.1239% | 6,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6629% | 6,056 |
| Assets per employee ($millions) | 4.9946% | 2,262 |
| Cash dividends to net income (ytd only)* | 48.0535% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,941 |
| Loan loss allowance to noncurrent loans | 134.8018% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 4,151 |
| Noncurrent loans to loans | 0.9772% | 4,725 |
| Net loans and leases to total assets | 60.6204% | 3,528 |
| Net loans and leases to deposits | 78.7635% | 2,375 |
| Net loans and leases to core deposits | 82.1442% | 2,813 |
| Total domestic deposits to total assets | 76.9651% | 6,409 |
| Equity capital to assets | 10.7103% | 3,254 |
| Core capital (leverage) ratio | 9.4281% | 4,158 |
| Tier 1 risk-based capital ratio | 12.7510% | 5,402 |
| Total risk-based capital ratio | 13.8822% | 5,458 |
| Memoranda: | ||
| Average total assets | $262,038,000 | 2,461 |
| Average earning assets | $241,775,000 | 2,434 |
| Average equity | $28,123,000 | 2,379 |
| Average total loans | $167,831,000 | 2,387 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 2,832 |
| Cost of funding earning assets | 0.9319% | 3,856 |
| Net interest margin | 4.0783% | 2,532 |
| Noninterest income to average assets | 0.5653% | 3,391 |
| Noninterest expense to average assets | 2.5330% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3043% | 1,240 |
| Return on assets (ROA) | 1.2947% | 1,365 |
| Pretax return on assets | 1.7940% | 809 |
| Return on Equity (ROE) | 12.0022% | 1,404 |
| Retained earnings to average equity (ytd only) | 6.2958% | 1,856 |
| Net charge-offs to loans | 0.1442% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 18.6736% | 1,206 |
| Efficiency ratio | 58.0799% | 6,046 |
| Assets per employee ($millions) | 4.9877% | 2,214 |
| Cash dividends to net income (ytd only)* | 47.5446% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 5,352 |
| Loan loss allowance to noncurrent loans | 134.8387% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 4,211 |
| Noncurrent loans to loans | 0.8957% | 4,894 |
| Net loans and leases to total assets | 65.9153% | 2,801 |
| Net loans and leases to deposits | 87.7775% | 1,412 |
| Net loans and leases to core deposits | 91.6051% | 1,929 |
| Total domestic deposits to total assets | 75.0937% | 6,596 |
| Equity capital to assets | 10.7549% | 3,238 |
| Core capital (leverage) ratio | 9.6003% | 3,870 |
| Tier 1 risk-based capital ratio | 12.0177% | 5,824 |
| Total risk-based capital ratio | 13.0770% | 5,926 |
| Memoranda: | ||
| Average total assets | $246,936,800 | 2,556 |
| Average earning assets | $228,575,400 | 2,525 |
| Average equity | $26,636,800 | 2,425 |
| Average total loans | $165,780,200 | 2,420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 2,744 |
| Cost of funding earning assets | 0.9645% | 3,932 |
| Net interest margin | 4.1084% | 2,440 |
| Noninterest income to average assets | 0.5774% | 3,320 |
| Noninterest expense to average assets | 2.4175% | 5,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3995% | 1,149 |
| Return on assets (ROA) | 1.3867% | 1,261 |
| Pretax return on assets | 1.9549% | 683 |
| Return on Equity (ROE) | 12.8455% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.2737% | 1,821 |
| Net charge-offs to loans | 0.1138% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 25.7717% | 1,038 |
| Efficiency ratio | 54.7764% | 6,415 |
| Assets per employee ($millions) | 4.7518% | 2,557 |
| Cash dividends to net income (ytd only)* | 43.3754% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 5,005 |
| Loan loss allowance to noncurrent loans | 99.5905% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 3,818 |
| Noncurrent loans to loans | 1.3066% | 4,354 |
| Net loans and leases to total assets | 67.1925% | 2,636 |
| Net loans and leases to deposits | 89.6731% | 1,252 |
| Net loans and leases to core deposits | 91.8708% | 2,009 |
| Total domestic deposits to total assets | 74.9305% | 6,648 |
| Equity capital to assets | 11.1452% | 3,006 |
| Core capital (leverage) ratio | 9.7233% | 3,814 |
| Tier 1 risk-based capital ratio | 12.2026% | 5,741 |
| Total risk-based capital ratio | 13.3411% | 5,823 |
| Memoranda: | ||
| Average total assets | $243,831,000 | 2,596 |
| Average earning assets | $226,297,250 | 2,553 |
| Average equity | $26,322,500 | 2,450 |
| Average total loans | $163,963,250 | 2,456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 2,920 |
| Cost of funding earning assets | 0.9857% | 4,046 |
| Net interest margin | 4.0653% | 2,549 |
| Noninterest income to average assets | 0.5957% | 3,172 |
| Noninterest expense to average assets | 2.4602% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3584% | 1,176 |
| Return on assets (ROA) | 1.3619% | 1,234 |
| Pretax return on assets | 1.9189% | 676 |
| Return on Equity (ROE) | 12.7561% | 1,259 |
| Retained earnings to average equity (ytd only) | 7.2771% | 1,751 |
| Net charge-offs to loans | 0.0258% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 110.6190% | 329 |
| Efficiency ratio | 55.9616% | 6,428 |
| Assets per employee ($millions) | 4.7892% | 2,420 |
| Cash dividends to net income (ytd only)* | 42.9522% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,568 |
| Loan loss allowance to noncurrent loans | 97.6725% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 3,846 |
| Noncurrent loans to loans | 1.4334% | 4,264 |
| Net loans and leases to total assets | 66.5496% | 2,922 |
| Net loans and leases to deposits | 87.0515% | 1,640 |
| Net loans and leases to core deposits | 89.6509% | 2,419 |
| Total domestic deposits to total assets | 76.4485% | 6,529 |
| Equity capital to assets | 10.9061% | 3,056 |
| Core capital (leverage) ratio | 9.4650% | 4,007 |
| Tier 1 risk-based capital ratio | 12.1765% | 5,635 |
| Total risk-based capital ratio | 13.4004% | 5,641 |
| Memoranda: | ||
| Average total assets | $242,743,670 | 2,623 |
| Average earning assets | $225,615,670 | 2,574 |
| Average equity | $25,917,000 | 2,474 |
| Average total loans | $162,545,330 | 2,502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 3,114 |
| Cost of funding earning assets | 0.9985% | 4,215 |
| Net interest margin | 3.9993% | 2,681 |
| Noninterest income to average assets | 0.7620% | 2,210 |
| Noninterest expense to average assets | 2.5009% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3967% | 1,066 |
| Return on assets (ROA) | 1.4430% | 1,039 |
| Pretax return on assets | 2.0480% | 515 |
| Return on Equity (ROE) | 13.6638% | 1,050 |
| Retained earnings to average equity (ytd only) | 7.8728% | 1,786 |
| Net charge-offs to loans | 0.0446% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 66.6111% | 456 |
| Efficiency ratio | 55.4941% | 6,557 |
| Assets per employee ($millions) | 4.7466% | 2,499 |
| Cash dividends to net income (ytd only)* | 42.3826% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,470 |
| Loan loss allowance to noncurrent loans | 122.4695% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.3347% | 4,298 |
| Noncurrent loans to loans | 1.1783% | 4,719 |
| Net loans and leases to total assets | 65.1988% | 3,200 |
| Net loans and leases to deposits | 84.0348% | 2,018 |
| Net loans and leases to core deposits | 86.4495% | 2,814 |
| Total domestic deposits to total assets | 77.5855% | 6,435 |
| Equity capital to assets | 10.6653% | 3,024 |
| Core capital (leverage) ratio | 9.3548% | 4,046 |
| Tier 1 risk-based capital ratio | 12.2982% | 5,440 |
| Total risk-based capital ratio | 13.5485% | 5,432 |
| Memoranda: | ||
| Average total assets | $241,991,500 | 2,644 |
| Average earning assets | $225,138,000 | 2,598 |
| Average equity | $25,556,500 | 2,489 |
| Average total loans | $161,391,000 | 2,543 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 3,874 |
| Cost of funding earning assets | 1.2454% | 4,243 |
| Net interest margin | 3.9012% | 3,481 |
| Noninterest income to average assets | 0.5626% | 3,724 |
| Noninterest expense to average assets | 2.5174% | 5,724 |
| Loan and lease loss provision to assets | 0.1854% | 5,376 |
| Net operating income to assets | 1.0727% | 1,787 |
| Return on assets (ROA) | 1.0609% | 1,927 |
| Pretax return on assets | 1.4641% | 1,471 |
| Return on Equity (ROE) | 10.0763% | 1,895 |
| Retained earnings to average equity (ytd only) | 4.4251% | 2,757 |
| Net charge-offs to loans | 0.4287% | 3,903 |
| Credit loss provision to net charge-offs | 65.1403% | 5,980 |
| Earnings coverage of net charge-offs (x) | 5.8523% | 2,514 |
| Efficiency ratio | 59.8050% | 6,075 |
| Assets per employee ($millions) | 4.7433% | 2,504 |
| Cash dividends to net income (ytd only)* | 56.0840% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,367 |
| Loan loss allowance to noncurrent loans | 166.0014% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 4,487 |
| Noncurrent loans to loans | 0.8626% | 5,341 |
| Net loans and leases to total assets | 66.2698% | 3,413 |
| Net loans and leases to deposits | 87.6592% | 1,840 |
| Net loans and leases to core deposits | 90.3945% | 2,713 |
| Total domestic deposits to total assets | 75.5994% | 6,680 |
| Equity capital to assets | 10.4565% | 3,202 |
| Core capital (leverage) ratio | 9.2891% | 4,025 |
| Tier 1 risk-based capital ratio | 11.9845% | 5,486 |
| Total risk-based capital ratio | 13.2345% | 5,470 |
| Memoranda: | ||
| Average total assets | $237,826,800 | 2,663 |
| Average earning assets | $220,726,000 | 2,624 |
| Average equity | $25,039,000 | 2,550 |
| Average total loans | $157,914,000 | 2,645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 3,922 |
| Cost of funding earning assets | 1.3022% | 4,198 |
| Net interest margin | 3.8817% | 3,604 |
| Noninterest income to average assets | 0.5259% | 3,976 |
| Noninterest expense to average assets | 2.4081% | 6,009 |
| Loan and lease loss provision to assets | 0.2483% | 4,605 |
| Net operating income to assets | 1.0626% | 2,027 |
| Return on assets (ROA) | 1.0529% | 2,168 |
| Pretax return on assets | 1.4560% | 1,731 |
| Return on Equity (ROE) | 9.9831% | 2,129 |
| Retained earnings to average equity (ytd only) | 4.9648% | 3,016 |
| Net charge-offs to loans | 0.4568% | 3,469 |
| Credit loss provision to net charge-offs | 82.1229% | 5,066 |
| Earnings coverage of net charge-offs (x) | 5.6816% | 2,701 |
| Efficiency ratio | 57.9694% | 6,277 |
| Assets per employee ($millions) | 4.6112% | 2,729 |
| Cash dividends to net income (ytd only)* | 50.2673% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 3,479 |
| Loan loss allowance to noncurrent loans | 147.8443% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 3,987 |
| Noncurrent loans to loans | 1.0900% | 5,061 |
| Net loans and leases to total assets | 64.0963% | 4,101 |
| Net loans and leases to deposits | 83.3768% | 2,814 |
| Net loans and leases to core deposits | 86.3193% | 3,603 |
| Total domestic deposits to total assets | 76.8756% | 6,506 |
| Equity capital to assets | 10.9320% | 3,021 |
| Core capital (leverage) ratio | 9.3253% | 4,171 |
| Tier 1 risk-based capital ratio | 12.3765% | 5,096 |
| Total risk-based capital ratio | 13.6285% | 5,071 |
| Memoranda: | ||
| Average total assets | $236,806,500 | 2,708 |
| Average earning assets | $219,620,750 | 2,671 |
| Average equity | $24,975,000 | 2,590 |
| Average total loans | $156,732,250 | 2,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 3,816 |
| Cost of funding earning assets | 1.3144% | 4,451 |
| Net interest margin | 3.9124% | 3,391 |
| Noninterest income to average assets | 0.5039% | 4,086 |
| Noninterest expense to average assets | 2.3737% | 6,134 |
| Loan and lease loss provision to assets | 0.3716% | 3,481 |
| Net operating income to assets | 1.0141% | 2,146 |
| Return on assets (ROA) | 0.9994% | 2,282 |
| Pretax return on assets | 1.3701% | 1,902 |
| Return on Equity (ROE) | 9.5915% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.4670% | 2,631 |
| Net charge-offs to loans | 0.1609% | 4,658 |
| Credit loss provision to net charge-offs | 347.2441% | 1,050 |
| Earnings coverage of net charge-offs (x) | 16.4646% | 1,401 |
| Efficiency ratio | 56.9886% | 6,508 |
| Assets per employee ($millions) | 4.6134% | 2,705 |
| Cash dividends to net income (ytd only)* | 43.0017% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 2,542 |
| Loan loss allowance to noncurrent loans | 94.9538% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 3,915 |
| Noncurrent loans to loans | 1.9564% | 3,778 |
| Net loans and leases to total assets | 64.6451% | 4,119 |
| Net loans and leases to deposits | 84.2869% | 2,823 |
| Net loans and leases to core deposits | 87.7101% | 3,583 |
| Total domestic deposits to total assets | 76.6966% | 6,563 |
| Equity capital to assets | 10.6761% | 3,197 |
| Core capital (leverage) ratio | 9.2669% | 4,181 |
| Tier 1 risk-based capital ratio | 12.5684% | 4,796 |
| Total risk-based capital ratio | 13.8239% | 4,771 |
| Memoranda: | ||
| Average total assets | $237,351,670 | 2,730 |
| Average earning assets | $220,326,670 | 2,680 |
| Average equity | $24,730,330 | 2,620 |
| Average total loans | $157,908,000 | 2,722 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,619 |
| Cost of funding earning assets | 1.3003% | 4,811 |
| Net interest margin | 3.9840% | 2,938 |
| Noninterest income to average assets | 0.5118% | 3,958 |
| Noninterest expense to average assets | 2.3911% | 6,124 |
| Loan and lease loss provision to assets | 0.6292% | 2,017 |
| Net operating income to assets | 0.8798% | 2,633 |
| Return on assets (ROA) | 0.9816% | 2,312 |
| Pretax return on assets | 1.3306% | 1,964 |
| Return on Equity (ROE) | 9.5370% | 2,276 |
| Retained earnings to average equity (ytd only) | 5.4614% | 2,890 |
| Net charge-offs to loans | 0.1280% | 4,198 |
| Credit loss provision to net charge-offs | 735.2941% | 618 |
| Earnings coverage of net charge-offs (x) | 21.2941% | 1,128 |
| Efficiency ratio | 56.3521% | 6,721 |
| Assets per employee ($millions) | 4.7258% | 2,608 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,644 |
| Loan loss allowance to noncurrent loans | 47.2599% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.6315% | 2,768 |
| Noncurrent loans to loans | 3.8687% | 2,046 |
| Net loans and leases to total assets | 65.6487% | 3,945 |
| Net loans and leases to deposits | 87.9033% | 2,242 |
| Net loans and leases to core deposits | 91.6158% | 3,153 |
| Total domestic deposits to total assets | 74.6829% | 6,952 |
| Equity capital to assets | 10.4515% | 3,295 |
| Core capital (leverage) ratio | 9.0927% | 4,388 |
| Tier 1 risk-based capital ratio | 12.1570% | 5,029 |
| Total risk-based capital ratio | 13.4121% | 4,993 |
| Memoranda: | ||
| Average total assets | $238,386,000 | 2,786 |
| Average earning assets | $221,486,000 | 2,720 |
| Average equity | $24,536,000 | 2,662 |
| Average total loans | $159,373,000 | 2,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7840% | 2,725 |
| Cost of funding earning assets | 1.4525% | 5,713 |
| Net interest margin | 4.3315% | 1,629 |
| Noninterest income to average assets | 0.5451% | 4,063 |
| Noninterest expense to average assets | 2.5019% | 6,123 |
| Loan and lease loss provision to assets | 1.6055% | 1,426 |
| Net operating income to assets | 0.4005% | 4,128 |
| Return on assets (ROA) | 0.4648% | 3,993 |
| Pretax return on assets | 0.5221% | 4,125 |
| Return on Equity (ROE) | 4.5334% | 3,869 |
| Retained earnings to average equity (ytd only) | -1.8979% | 5,494 |
| Net charge-offs to loans | 2.0792% | 1,179 |
| Credit loss provision to net charge-offs | 112.3699% | 4,883 |
| Earnings coverage of net charge-offs (x) | 1.4386% | 4,686 |
| Efficiency ratio | 54.5166% | 7,173 |
| Assets per employee ($millions) | 4.8096% | 2,469 |
| Cash dividends to net income (ytd only)* | 141.8647% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,297 |
| Loan loss allowance to noncurrent loans | 55.4115% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.9278% | 3,488 |
| Noncurrent loans to loans | 2.8799% | 2,680 |
| Net loans and leases to total assets | 65.7723% | 4,214 |
| Net loans and leases to deposits | 87.9093% | 2,567 |
| Net loans and leases to core deposits | 102.7318% | 3,717 |
| Total domestic deposits to total assets | 74.8184% | 6,895 |
| Equity capital to assets | 10.1364% | 3,578 |
| Core capital (leverage) ratio | 8.8955% | 4,597 |
| Tier 1 risk-based capital ratio | 11.7171% | 5,180 |
| Total risk-based capital ratio | 12.9692% | 5,139 |
| Memoranda: | ||
| Average total assets | $235,378,000 | 2,762 |
| Average earning assets | $218,032,400 | 2,730 |
| Average equity | $24,131,800 | 2,707 |
| Average total loans | $161,746,400 | 2,730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8382% | 2,710 |
| Cost of funding earning assets | 1.4784% | 5,920 |
| Net interest margin | 4.3598% | 1,562 |
| Noninterest income to average assets | 0.5228% | 4,295 |
| Noninterest expense to average assets | 2.5236% | 6,000 |
| Loan and lease loss provision to assets | 1.8544% | 1,001 |
| Net operating income to assets | 0.1869% | 5,204 |
| Return on assets (ROA) | 0.3132% | 4,852 |
| Pretax return on assets | 0.3150% | 5,019 |
| Return on Equity (ROE) | 3.0465% | 4,773 |
| Retained earnings to average equity (ytd only) | -3.3622% | 5,999 |
| Net charge-offs to loans | 1.2987% | 1,577 |
| Credit loss provision to net charge-offs | 206.3371% | 2,147 |
| Earnings coverage of net charge-offs (x) | 2.2719% | 4,121 |
| Efficiency ratio | 54.8902% | 7,129 |
| Assets per employee ($millions) | 4.5357% | 2,808 |
| Cash dividends to net income (ytd only)* | 210.3625% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 1,243 |
| Loan loss allowance to noncurrent loans | 65.2404% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.5389% | 2,734 |
| Noncurrent loans to loans | 3.5921% | 2,077 |
| Net loans and leases to total assets | 68.9417% | 3,724 |
| Net loans and leases to deposits | 92.3562% | 2,176 |
| Net loans and leases to core deposits | 107.8816% | 3,486 |
| Total domestic deposits to total assets | 74.6477% | 6,838 |
| Equity capital to assets | 10.5006% | 3,515 |
| Core capital (leverage) ratio | 9.1653% | 4,390 |
| Tier 1 risk-based capital ratio | 11.3193% | 5,621 |
| Total risk-based capital ratio | 12.5798% | 5,553 |
| Memoranda: | ||
| Average total assets | $234,102,250 | 2,793 |
| Average earning assets | $217,070,500 | 2,758 |
| Average equity | $24,070,750 | 2,744 |
| Average total loans | $161,999,250 | 2,758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8786% | 2,684 |
| Cost of funding earning assets | 1.5135% | 6,083 |
| Net interest margin | 4.3651% | 1,485 |
| Noninterest income to average assets | 0.5123% | 4,336 |
| Noninterest expense to average assets | 2.5971% | 5,752 |
| Loan and lease loss provision to assets | 1.3556% | 1,276 |
| Net operating income to assets | 0.4747% | 4,195 |
| Return on assets (ROA) | 0.5480% | 4,010 |
| Pretax return on assets | 0.6944% | 4,018 |
| Return on Equity (ROE) | 5.3672% | 3,926 |
| Retained earnings to average equity (ytd only) | -1.1751% | 5,527 |
| Net charge-offs to loans | 0.8752% | 1,942 |
| Credit loss provision to net charge-offs | 225.3182% | 2,041 |
| Earnings coverage of net charge-offs (x) | 3.2532% | 3,516 |
| Efficiency ratio | 56.6330% | 7,033 |
| Assets per employee ($millions) | 4.4308% | 2,877 |
| Cash dividends to net income (ytd only)* | 121.8944% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 1,733 |
| Loan loss allowance to noncurrent loans | 45.6460% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.8988% | 2,204 |
| Noncurrent loans to loans | 4.2129% | 1,567 |
| Net loans and leases to total assets | 67.1814% | 4,320 |
| Net loans and leases to deposits | 89.8608% | 2,852 |
| Net loans and leases to core deposits | 104.8927% | 3,969 |
| Total domestic deposits to total assets | 74.7616% | 6,809 |
| Equity capital to assets | 10.4239% | 3,494 |
| Core capital (leverage) ratio | 9.2367% | 4,258 |
| Tier 1 risk-based capital ratio | 11.9821% | 4,934 |
| Total risk-based capital ratio | 13.2378% | 4,848 |
| Memoranda: | ||
| Average total assets | $235,029,670 | 2,804 |
| Average earning assets | $217,636,330 | 2,775 |
| Average equity | $23,997,670 | 2,755 |
| Average total loans | $161,564,670 | 2,787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8437% | 3,072 |
| Cost of funding earning assets | 1.5636% | 6,185 |
| Net interest margin | 4.2802% | 1,648 |
| Noninterest income to average assets | 0.5005% | 4,320 |
| Noninterest expense to average assets | 2.5061% | 5,818 |
| Loan and lease loss provision to assets | 1.3213% | 977 |
| Net operating income to assets | 0.4429% | 4,677 |
| Return on assets (ROA) | 0.5798% | 4,303 |
| Pretax return on assets | 0.8224% | 3,997 |
| Return on Equity (ROE) | 5.7362% | 4,154 |
| Retained earnings to average equity (ytd only) | -0.9338% | 5,873 |
| Net charge-offs to loans | 1.0916% | 1,245 |
| Credit loss provision to net charge-offs | 175.7848% | 2,453 |
| Earnings coverage of net charge-offs (x) | 2.5919% | 3,460 |
| Efficiency ratio | 55.8835% | 6,985 |
| Assets per employee ($millions) | 4.5021% | 2,715 |
| Cash dividends to net income (ytd only)* | 116.2791% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 2,773 |
| Loan loss allowance to noncurrent loans | 51.0678% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.0628% | 2,802 |
| Noncurrent loans to loans | 3.0106% | 2,170 |
| Net loans and leases to total assets | 66.7502% | 4,396 |
| Net loans and leases to deposits | 91.6901% | 2,650 |
| Net loans and leases to core deposits | 105.7765% | 3,943 |
| Total domestic deposits to total assets | 72.7998% | 7,083 |
| Equity capital to assets | 10.0045% | 4,005 |
| Core capital (leverage) ratio | 9.2597% | 4,306 |
| Tier 1 risk-based capital ratio | 11.4965% | 5,418 |
| Total risk-based capital ratio | 12.7476% | 5,314 |
| Memoranda: | ||
| Average total assets | $237,343,000 | 2,797 |
| Average earning assets | $219,244,000 | 2,772 |
| Average equity | $23,988,000 | 2,768 |
| Average total loans | $163,435,500 | 2,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0223% | 5,443 |
| Cost of funding earning assets | 2.1273% | 5,940 |
| Net interest margin | 3.8950% | 3,586 |
| Noninterest income to average assets | 0.5880% | 3,938 |
| Noninterest expense to average assets | 2.4311% | 6,294 |
| Loan and lease loss provision to assets | 0.1401% | 5,564 |
| Net operating income to assets | 1.1394% | 1,989 |
| Return on assets (ROA) | 1.2056% | 1,691 |
| Pretax return on assets | 1.6826% | 1,184 |
| Return on Equity (ROE) | 11.5760% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.6810% | 2,860 |
| Net charge-offs to loans | 0.1284% | 4,950 |
| Credit loss provision to net charge-offs | 154.5455% | 3,376 |
| Earnings coverage of net charge-offs (x) | 19.0957% | 1,657 |
| Efficiency ratio | 57.9765% | 6,698 |
| Assets per employee ($millions) | 4.4542% | 2,690 |
| Cash dividends to net income (ytd only)* | 68.2014% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 3,770 |
| Loan loss allowance to noncurrent loans | 45.0619% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.0422% | 2,410 |
| Noncurrent loans to loans | 2.8884% | 1,864 |
| Net loans and leases to total assets | 69.0296% | 4,252 |
| Net loans and leases to deposits | 97.1133% | 2,276 |
| Net loans and leases to core deposits | 112.3071% | 3,533 |
| Total domestic deposits to total assets | 71.0815% | 7,148 |
| Equity capital to assets | 10.2104% | 3,793 |
| Core capital (leverage) ratio | 9.2661% | 4,346 |
| Tier 1 risk-based capital ratio | 11.6185% | 5,140 |
| Total risk-based capital ratio | 12.7921% | 5,093 |
| Memoranda: | ||
| Average total assets | $230,594,400 | 2,758 |
| Average earning assets | $211,581,000 | 2,754 |
| Average equity | $24,015,200 | 2,731 |
| Average total loans | $162,748,800 | 2,735 |