Home > Iowa State Savings Bank > Performance and Condition Ratios
Iowa State Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 3,741 |
| Cost of funding earning assets | 1.5326% | 3,124 |
| Net interest margin | 3.0789% | 3,247 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 1.8717% | 3,798 |
| Loan and lease loss provision to assets | -0.1200% | 4,349 |
| Net operating income to assets | 1.1696% | 1,806 |
| Return on assets (ROA) | 1.1696% | 1,804 |
| Pretax return on assets | 1.5264% | 1,456 |
| Return on Equity (ROE) | 13.1100% | 1,460 |
| Retained earnings to average equity (ytd only) | 6.2555% | 2,205 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 55.3556% | 3,484 |
| Assets per employee ($millions) | 8.6607% | 1,239 |
| Cash dividends to net income (ytd only)* | 52.2755% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,745 |
| Loan loss allowance to noncurrent loans | 16,023.0769% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,743 |
| Noncurrent loans to loans | 0.0080% | 3,710 |
| Net loans and leases to total assets | 55.7800% | 3,218 |
| Net loans and leases to deposits | 63.0397% | 3,317 |
| Net loans and leases to core deposits | 68.4784% | 3,367 |
| Total domestic deposits to total assets | 88.4800% | 1,386 |
| Equity capital to assets | 8.8712% | 3,026 |
| Core capital (leverage) ratio | 9.0985% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8939% | 1,296 |
| Memoranda: | ||
| Average total assets | $278,036,000 | 2,586 |
| Average earning assets | $264,644,000 | 2,554 |
| Average equity | $24,810,000 | 2,700 |
| Average total loans | $164,455,000 | 2,651 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 3,692 |
| Cost of funding earning assets | 1.5067% | 3,343 |
| Net interest margin | 3.1270% | 2,881 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.2917% | 2,887 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.7475% | 2,838 |
| Return on assets (ROA) | 0.7684% | 2,802 |
| Pretax return on assets | 1.0013% | 2,525 |
| Return on Equity (ROE) | 8.3500% | 2,641 |
| Retained earnings to average equity (ytd only) | 0.3445% | 3,830 |
| Net charge-offs to loans | 0.0031% | 2,873 |
| Credit loss provision to net charge-offs | 5,140.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 557.0000% | 236 |
| Efficiency ratio | 66.3556% | 2,450 |
| Assets per employee ($millions) | 8.1900% | 1,430 |
| Cash dividends to net income (ytd only)* | 95.8748% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,674 |
| Loan loss allowance to noncurrent loans | 14,513.3333% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,740 |
| Noncurrent loans to loans | 0.0090% | 3,696 |
| Net loans and leases to total assets | 61.1400% | 2,830 |
| Net loans and leases to deposits | 68.9977% | 3,020 |
| Net loans and leases to core deposits | 74.9320% | 3,100 |
| Total domestic deposits to total assets | 88.6100% | 1,296 |
| Equity capital to assets | 8.9784% | 2,823 |
| Core capital (leverage) ratio | 9.4547% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1168% | 1,496 |
| Memoranda: | ||
| Average total assets | $261,857,600 | 2,642 |
| Average earning assets | $247,487,200 | 2,603 |
| Average equity | $24,095,000 | 2,689 |
| Average total loans | $159,404,000 | 2,658 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,650 |
| Cost of funding earning assets | 1.5069% | 3,347 |
| Net interest margin | 3.1280% | 2,841 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.2308% | 2,996 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.7846% | 2,744 |
| Return on assets (ROA) | 0.8125% | 2,669 |
| Pretax return on assets | 1.0594% | 2,357 |
| Return on Equity (ROE) | 8.7800% | 2,528 |
| Retained earnings to average equity (ytd only) | 0.6597% | 3,812 |
| Net charge-offs to loans | 0.0042% | 2,551 |
| Credit loss provision to net charge-offs | 3,520.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 435.4000% | 273 |
| Efficiency ratio | 64.6328% | 2,638 |
| Assets per employee ($millions) | 7.5629% | 1,769 |
| Cash dividends to net income (ytd only)* | 92.4826% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 1,692 |
| Loan loss allowance to noncurrent loans | 11,644.4444% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 3,748 |
| Noncurrent loans to loans | 0.0112% | 3,709 |
| Net loans and leases to total assets | 61.6000% | 2,780 |
| Net loans and leases to deposits | 69.4518% | 3,030 |
| Net loans and leases to core deposits | 74.3229% | 3,166 |
| Total domestic deposits to total assets | 88.7000% | 1,015 |
| Equity capital to assets | 9.8511% | 2,391 |
| Core capital (leverage) ratio | 9.8013% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6511% | 1,373 |
| Memoranda: | ||
| Average total assets | $259,754,500 | 2,645 |
| Average earning assets | $245,173,750 | 2,614 |
| Average equity | $24,052,250 | 2,685 |
| Average total loans | $157,401,500 | 2,667 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 3,644 |
| Cost of funding earning assets | 1.4925% | 3,306 |
| Net interest margin | 3.1053% | 2,834 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.2062% | 3,056 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.8194% | 2,562 |
| Return on assets (ROA) | 0.8564% | 2,447 |
| Pretax return on assets | 1.1173% | 2,164 |
| Return on Equity (ROE) | 9.4500% | 2,325 |
| Retained earnings to average equity (ytd only) | 1.3544% | 3,522 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.3434% | 2,730 |
| Assets per employee ($millions) | 7.7766% | 1,576 |
| Cash dividends to net income (ytd only)* | 85.6631% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,027 |
| Loan loss allowance to noncurrent loans | 609.2593% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 2,814 |
| Noncurrent loans to loans | 0.2039% | 2,677 |
| Net loans and leases to total assets | 61.1500% | 2,851 |
| Net loans and leases to deposits | 68.6566% | 3,086 |
| Net loans and leases to core deposits | 71.6469% | 3,287 |
| Total domestic deposits to total assets | 89.0700% | 981 |
| Equity capital to assets | 9.2729% | 2,550 |
| Core capital (leverage) ratio | 9.4839% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6471% | 1,357 |
| Memoranda: | ||
| Average total assets | $260,626,000 | 2,639 |
| Average earning assets | $246,161,000 | 2,608 |
| Average equity | $23,626,000 | 2,672 |
| Average total loans | $156,370,000 | 2,665 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 3,791 |
| Cost of funding earning assets | 1.4733% | 3,244 |
| Net interest margin | 2.9546% | 3,080 |
| Noninterest income to average assets | 0.4200% | 2,181 |
| Noninterest expense to average assets | 2.1156% | 3,271 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.8240% | 2,469 |
| Return on assets (ROA) | 0.9215% | 2,189 |
| Pretax return on assets | 1.2048% | 1,883 |
| Return on Equity (ROE) | 10.2800% | 2,052 |
| Retained earnings to average equity (ytd only) | 4.3330% | 2,610 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.7311% | 2,852 |
| Assets per employee ($millions) | 7.9579% | 1,480 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,054 |
| Loan loss allowance to noncurrent loans | 5,497.1429% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,713 |
| Noncurrent loans to loans | 0.0226% | 3,624 |
| Net loans and leases to total assets | 56.5500% | 3,151 |
| Net loans and leases to deposits | 63.7063% | 3,319 |
| Net loans and leases to core deposits | 66.8445% | 3,488 |
| Total domestic deposits to total assets | 88.7700% | 1,177 |
| Equity capital to assets | 8.7538% | 2,838 |
| Core capital (leverage) ratio | 9.4873% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0485% | 1,259 |
| Memoranda: | ||
| Average total assets | $262,624,500 | 2,634 |
| Average earning assets | $248,428,000 | 2,604 |
| Average equity | $23,540,500 | 2,681 |
| Average total loans | $155,100,000 | 2,674 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 3,795 |
| Cost of funding earning assets | 1.0562% | 3,180 |
| Net interest margin | 3.0499% | 3,177 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.2560% | 2,967 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7755% | 2,956 |
| Return on assets (ROA) | 0.7867% | 2,893 |
| Pretax return on assets | 1.0217% | 2,609 |
| Return on Equity (ROE) | 9.0200% | 2,752 |
| Retained earnings to average equity (ytd only) | 3.3769% | 3,172 |
| Net charge-offs to loans | 0.0041% | 2,593 |
| Credit loss provision to net charge-offs | 2,783.3333% | 175 |
| Earnings coverage of net charge-offs (x) | 455.6667% | 314 |
| Efficiency ratio | 65.4773% | 2,417 |
| Assets per employee ($millions) | 7.2766% | 1,879 |
| Cash dividends to net income (ytd only)* | 62.5626% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,069 |
| Loan loss allowance to noncurrent loans | 10,131.5789% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,746 |
| Noncurrent loans to loans | 0.0122% | 3,665 |
| Net loans and leases to total assets | 60.2100% | 2,825 |
| Net loans and leases to deposits | 68.2634% | 3,011 |
| Net loans and leases to core deposits | 71.7200% | 3,206 |
| Total domestic deposits to total assets | 88.2000% | 1,285 |
| Equity capital to assets | 9.1864% | 2,555 |
| Core capital (leverage) ratio | 9.6225% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6971% | 1,349 |
| Memoranda: | ||
| Average total assets | $253,986,600 | 2,655 |
| Average earning assets | $239,454,000 | 2,633 |
| Average equity | $22,150,200 | 2,682 |
| Average total loans | $147,021,000 | 2,694 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,822 |
| Cost of funding earning assets | 0.9391% | 3,181 |
| Net interest margin | 3.0744% | 3,190 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.2536% | 2,940 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8277% | 2,939 |
| Return on assets (ROA) | 0.8368% | 2,887 |
| Pretax return on assets | 1.0884% | 2,597 |
| Return on Equity (ROE) | 9.7300% | 2,724 |
| Retained earnings to average equity (ytd only) | 4.2309% | 3,198 |
| Net charge-offs to loans | 0.0037% | 2,366 |
| Credit loss provision to net charge-offs | 1,400.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 524.2500% | 297 |
| Efficiency ratio | 64.9288% | 2,401 |
| Assets per employee ($millions) | 7.3585% | 1,719 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,214 |
| Loan loss allowance to noncurrent loans | 2,111.6279% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,459 |
| Noncurrent loans to loans | 0.0583% | 3,336 |
| Net loans and leases to total assets | 58.2700% | 3,007 |
| Net loans and leases to deposits | 65.4658% | 3,179 |
| Net loans and leases to core deposits | 68.7372% | 3,287 |
| Total domestic deposits to total assets | 89.0200% | 1,242 |
| Equity capital to assets | 8.5520% | 2,697 |
| Core capital (leverage) ratio | 9.8538% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1838% | 1,273 |
| Memoranda: | ||
| Average total assets | $253,812,750 | 2,668 |
| Average earning assets | $239,519,750 | 2,634 |
| Average equity | $21,838,750 | 2,694 |
| Average total loans | $144,960,500 | 2,717 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 3,758 |
| Cost of funding earning assets | 0.8146% | 3,164 |
| Net interest margin | 3.1503% | 3,106 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2218% | 3,010 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9061% | 2,736 |
| Return on assets (ROA) | 0.9160% | 2,687 |
| Pretax return on assets | 1.1936% | 2,376 |
| Return on Equity (ROE) | 10.6200% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.1668% | 2,900 |
| Net charge-offs to loans | 0.0056% | 2,053 |
| Credit loss provision to net charge-offs | 1,200.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 388.7500% | 371 |
| Efficiency ratio | 62.3974% | 2,662 |
| Assets per employee ($millions) | 7.5535% | 1,575 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,270 |
| Loan loss allowance to noncurrent loans | 539.7015% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 2,605 |
| Noncurrent loans to loans | 0.2284% | 2,349 |
| Net loans and leases to total assets | 58.1200% | 2,954 |
| Net loans and leases to deposits | 64.6952% | 3,147 |
| Net loans and leases to core deposits | 67.1115% | 3,282 |
| Total domestic deposits to total assets | 89.8400% | 969 |
| Equity capital to assets | 8.9022% | 2,587 |
| Core capital (leverage) ratio | 9.4556% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1331% | 1,290 |
| Memoranda: | ||
| Average total assets | $255,021,000 | 2,662 |
| Average earning assets | $240,867,000 | 2,632 |
| Average equity | $21,986,333 | 2,695 |
| Average total loans | $144,076,333 | 2,727 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 3,877 |
| Cost of funding earning assets | 0.6796% | 3,121 |
| Net interest margin | 3.1089% | 3,327 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.1916% | 3,125 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.9977% | 2,535 |
| Return on assets (ROA) | 1.0050% | 2,477 |
| Pretax return on assets | 1.3137% | 2,142 |
| Return on Equity (ROE) | 11.8400% | 2,259 |
| Retained earnings to average equity (ytd only) | 6.3607% | 2,670 |
| Net charge-offs to loans | 0.0112% | 1,525 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,654 |
| Earnings coverage of net charge-offs (x) | 204.2500% | 498 |
| Efficiency ratio | 61.2556% | 2,783 |
| Assets per employee ($millions) | 7.7972% | 1,458 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,408 |
| Loan loss allowance to noncurrent loans | 9,555.5556% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 3,810 |
| Noncurrent loans to loans | 0.0128% | 3,724 |
| Net loans and leases to total assets | 53.7900% | 3,215 |
| Net loans and leases to deposits | 59.8153% | 3,341 |
| Net loans and leases to core deposits | 62.2592% | 3,433 |
| Total domestic deposits to total assets | 89.9300% | 1,180 |
| Equity capital to assets | 8.6795% | 2,757 |
| Core capital (leverage) ratio | 9.2107% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6178% | 1,230 |
| Memoranda: | ||
| Average total assets | $257,899,000 | 2,680 |
| Average earning assets | $243,690,500 | 2,652 |
| Average equity | $21,884,500 | 2,727 |
| Average total loans | $142,770,000 | 2,775 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 3,604 |
| Cost of funding earning assets | 0.2158% | 3,626 |
| Net interest margin | 3.0746% | 3,245 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.1461% | 3,171 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9053% | 2,938 |
| Return on assets (ROA) | 0.9038% | 2,880 |
| Pretax return on assets | 1.2186% | 2,374 |
| Return on Equity (ROE) | 10.2000% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.9365% | 3,078 |
| Net charge-offs to loans | 0.0098% | 2,006 |
| Credit loss provision to net charge-offs | 271.4286% | 961 |
| Earnings coverage of net charge-offs (x) | 226.9286% | 590 |
| Efficiency ratio | 61.1060% | 2,891 |
| Assets per employee ($millions) | 7.6027% | 1,543 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 3,992 |
| Loan loss allowance to noncurrent loans | 7,946.6667% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,862 |
| Noncurrent loans to loans | 0.0103% | 3,769 |
| Net loans and leases to total assets | 55.7900% | 3,052 |
| Net loans and leases to deposits | 62.1697% | 3,184 |
| Net loans and leases to core deposits | 64.7229% | 3,225 |
| Total domestic deposits to total assets | 89.7400% | 1,472 |
| Equity capital to assets | 8.2927% | 2,860 |
| Core capital (leverage) ratio | 9.2534% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4960% | 1,479 |
| Memoranda: | ||
| Average total assets | $257,257,600 | 2,687 |
| Average earning assets | $244,161,400 | 2,652 |
| Average equity | $22,789,600 | 2,718 |
| Average total loans | $142,195,000 | 2,704 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 3,577 |
| Cost of funding earning assets | 0.1523% | 3,825 |
| Net interest margin | 2.9891% | 3,245 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.1327% | 3,122 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8884% | 2,920 |
| Return on assets (ROA) | 0.8847% | 2,912 |
| Pretax return on assets | 1.2049% | 2,348 |
| Return on Equity (ROE) | 9.8300% | 2,782 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,223 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1248% | 2,813 |
| Assets per employee ($millions) | 7.6021% | 1,550 |
| Cash dividends to net income (ytd only)* | 52.7859% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,137 |
| Loan loss allowance to noncurrent loans | 1,314.4578% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,589 |
| Noncurrent loans to loans | 0.0590% | 3,459 |
| Net loans and leases to total assets | 55.6400% | 2,937 |
| Net loans and leases to deposits | 61.9450% | 3,025 |
| Net loans and leases to core deposits | 64.3637% | 3,080 |
| Total domestic deposits to total assets | 89.8100% | 1,738 |
| Equity capital to assets | 8.0943% | 2,842 |
| Core capital (leverage) ratio | 9.1188% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5886% | 1,538 |
| Memoranda: | ||
| Average total assets | $256,949,250 | 2,706 |
| Average earning assets | $244,217,250 | 2,665 |
| Average equity | $23,128,000 | 2,731 |
| Average total loans | $141,390,250 | 2,722 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9550% | 3,666 |
| Cost of funding earning assets | 0.1360% | 3,760 |
| Net interest margin | 2.8190% | 3,386 |
| Noninterest income to average assets | 0.4665% | 2,366 |
| Noninterest expense to average assets | 2.0959% | 3,159 |
| Loan and lease loss provision to assets | -0.0209% | 4,434 |
| Net operating income to assets | 0.7730% | 3,052 |
| Return on assets (ROA) | 0.7669% | 3,046 |
| Pretax return on assets | 1.0719% | 2,505 |
| Return on Equity (ROE) | 8.2514% | 2,952 |
| Retained earnings to average equity (ytd only) | 3.2657% | 3,363 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8923% | 2,782 |
| Assets per employee ($millions) | 7.9165% | 1,351 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 4,154 |
| Loan loss allowance to noncurrent loans | 1,728.7879% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,738 |
| Noncurrent loans to loans | 0.0470% | 3,593 |
| Net loans and leases to total assets | 53.2925% | 3,035 |
| Net loans and leases to deposits | 59.3712% | 3,101 |
| Net loans and leases to core deposits | 62.4708% | 3,077 |
| Total domestic deposits to total assets | 89.7616% | 1,814 |
| Equity capital to assets | 8.4366% | 2,812 |
| Core capital (leverage) ratio | 8.9381% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7867% | 1,488 |
| Memoranda: | ||
| Average total assets | $258,976,333 | 2,718 |
| Average earning assets | $246,970,333 | 2,686 |
| Average equity | $24,068,667 | 2,742 |
| Average total loans | $141,632,667 | 2,736 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8699% | 3,609 |
| Cost of funding earning assets | 0.1300% | 3,775 |
| Net interest margin | 2.7399% | 3,311 |
| Noninterest income to average assets | 0.5026% | 2,125 |
| Noninterest expense to average assets | 2.0291% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8322% | 2,548 |
| Return on assets (ROA) | 0.8346% | 2,531 |
| Pretax return on assets | 1.0921% | 2,169 |
| Return on Equity (ROE) | 8.5795% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.7954% | 3,009 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4876% | 3,206 |
| Assets per employee ($millions) | 7.9794% | 1,388 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,187 |
| Loan loss allowance to noncurrent loans | 459.8425% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 3,133 |
| Noncurrent loans to loans | 0.1815% | 2,907 |
| Net loans and leases to total assets | 52.6920% | 2,918 |
| Net loans and leases to deposits | 59.0196% | 2,986 |
| Net loans and leases to core deposits | 61.8227% | 2,987 |
| Total domestic deposits to total assets | 89.2788% | 1,939 |
| Equity capital to assets | 8.9899% | 2,721 |
| Core capital (leverage) ratio | 9.0216% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9096% | 1,538 |
| Memoranda: | ||
| Average total assets | $257,843,000 | 2,738 |
| Average earning assets | $246,143,500 | 2,703 |
| Average equity | $25,083,000 | 2,770 |
| Average total loans | $142,267,000 | 2,731 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 3,215 |
| Cost of funding earning assets | 0.1886% | 3,572 |
| Net interest margin | 3.1126% | 2,869 |
| Noninterest income to average assets | 0.3687% | 3,227 |
| Noninterest expense to average assets | 2.1033% | 3,378 |
| Loan and lease loss provision to assets | 0.1313% | 931 |
| Net operating income to assets | 0.8329% | 3,226 |
| Return on assets (ROA) | 0.8418% | 3,279 |
| Pretax return on assets | 1.1016% | 2,963 |
| Return on Equity (ROE) | 7.8707% | 3,255 |
| Retained earnings to average equity (ytd only) | 3.2519% | 3,520 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5266% | 3,078 |
| Assets per employee ($millions) | 7.4226% | 1,661 |
| Cash dividends to net income (ytd only)* | 58.6832% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 4,255 |
| Loan loss allowance to noncurrent loans | 361.6099% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,039 |
| Noncurrent loans to loans | 0.2233% | 2,844 |
| Net loans and leases to total assets | 56.8418% | 2,499 |
| Net loans and leases to deposits | 64.5848% | 2,636 |
| Net loans and leases to core deposits | 67.8552% | 2,661 |
| Total domestic deposits to total assets | 88.0111% | 2,042 |
| Equity capital to assets | 10.4982% | 2,177 |
| Core capital (leverage) ratio | 9.1441% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8590% | 1,564 |
| Memoranda: | ||
| Average total assets | $248,994,200 | 2,738 |
| Average earning assets | $236,487,400 | 2,704 |
| Average equity | $26,630,400 | 2,749 |
| Average total loans | $132,807,600 | 2,818 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4099% | 3,073 |
| Cost of funding earning assets | 0.2061% | 3,547 |
| Net interest margin | 3.2037% | 2,716 |
| Noninterest income to average assets | 0.3218% | 3,504 |
| Noninterest expense to average assets | 2.1062% | 3,342 |
| Loan and lease loss provision to assets | 0.0343% | 2,314 |
| Net operating income to assets | 0.9303% | 3,150 |
| Return on assets (ROA) | 0.9392% | 3,208 |
| Pretax return on assets | 1.2320% | 2,828 |
| Return on Equity (ROE) | 8.7405% | 3,188 |
| Retained earnings to average equity (ytd only) | 4.5903% | 3,373 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9105% | 2,985 |
| Assets per employee ($millions) | 7.4179% | 1,611 |
| Cash dividends to net income (ytd only)* | 47.4828% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,537 |
| Loan loss allowance to noncurrent loans | 258.1197% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 3,184 |
| Noncurrent loans to loans | 0.2627% | 2,877 |
| Net loans and leases to total assets | 52.6270% | 3,128 |
| Net loans and leases to deposits | 60.0864% | 3,220 |
| Net loans and leases to core deposits | 62.9835% | 3,221 |
| Total domestic deposits to total assets | 87.5856% | 2,070 |
| Equity capital to assets | 10.6936% | 2,267 |
| Core capital (leverage) ratio | 9.4424% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5157% | 1,475 |
| Memoranda: | ||
| Average total assets | $248,151,000 | 2,760 |
| Average earning assets | $235,427,250 | 2,732 |
| Average equity | $26,664,500 | 2,780 |
| Average total loans | $129,855,000 | 2,892 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3309% | 3,358 |
| Cost of funding earning assets | 0.2271% | 3,495 |
| Net interest margin | 3.1038% | 3,025 |
| Noninterest income to average assets | 0.3144% | 3,544 |
| Noninterest expense to average assets | 2.0665% | 3,497 |
| Loan and lease loss provision to assets | 0.0519% | 1,996 |
| Net operating income to assets | 0.8718% | 3,301 |
| Return on assets (ROA) | 0.8833% | 3,344 |
| Pretax return on assets | 1.1564% | 3,040 |
| Return on Equity (ROE) | 8.2070% | 3,347 |
| Retained earnings to average equity (ytd only) | 4.2164% | 3,452 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5270% | 2,940 |
| Assets per employee ($millions) | 7.3974% | 1,534 |
| Cash dividends to net income (ytd only)* | 48.6239% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 4,554 |
| Loan loss allowance to noncurrent loans | 248.9011% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 3,282 |
| Noncurrent loans to loans | 0.2765% | 2,946 |
| Net loans and leases to total assets | 51.9850% | 3,342 |
| Net loans and leases to deposits | 59.3284% | 3,443 |
| Net loans and leases to core deposits | 60.4853% | 3,585 |
| Total domestic deposits to total assets | 87.6224% | 2,030 |
| Equity capital to assets | 10.5987% | 2,315 |
| Core capital (leverage) ratio | 9.0500% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,799,000 | 2,757 |
| Average earning assets | $234,228,333 | 2,729 |
| Average equity | $26,562,667 | 2,778 |
| Average total loans | $128,595,000 | 2,916 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 3,948 |
| Cost of funding earning assets | 0.2554% | 3,425 |
| Net interest margin | 2.8126% | 3,728 |
| Noninterest income to average assets | 0.2815% | 3,712 |
| Noninterest expense to average assets | 2.0046% | 3,703 |
| Loan and lease loss provision to assets | -0.0982% | 4,716 |
| Net operating income to assets | 0.7955% | 3,436 |
| Return on assets (ROA) | 0.8149% | 3,446 |
| Pretax return on assets | 1.0669% | 3,199 |
| Return on Equity (ROE) | 7.5126% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.0429% | 3,488 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8169% | 2,369 |
| Assets per employee ($millions) | 7.4081% | 1,510 |
| Cash dividends to net income (ytd only)* | 46.1847% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6154% | 4,675 |
| Loan loss allowance to noncurrent loans | 213.9726% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 3,444 |
| Noncurrent loans to loans | 0.2876% | 3,072 |
| Net loans and leases to total assets | 50.0784% | 3,620 |
| Net loans and leases to deposits | 56.7344% | 3,735 |
| Net loans and leases to core deposits | 59.4981% | 3,739 |
| Total domestic deposits to total assets | 88.2681% | 1,710 |
| Equity capital to assets | 10.3959% | 2,360 |
| Core capital (leverage) ratio | 9.3010% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,443,000 | 2,760 |
| Average earning assets | $231,816,000 | 2,731 |
| Average equity | $26,515,500 | 2,765 |
| Average total loans | $127,065,500 | 2,934 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 2,784 |
| Cost of funding earning assets | 0.4013% | 3,568 |
| Net interest margin | 3.5813% | 2,210 |
| Noninterest income to average assets | 0.3258% | 3,511 |
| Noninterest expense to average assets | 2.5135% | 2,807 |
| Loan and lease loss provision to assets | 0.2261% | 1,731 |
| Net operating income to assets | 0.7125% | 3,391 |
| Return on assets (ROA) | 0.7371% | 3,430 |
| Pretax return on assets | 0.9593% | 3,181 |
| Return on Equity (ROE) | 6.4979% | 3,407 |
| Retained earnings to average equity (ytd only) | 3.9862% | 2,835 |
| Net charge-offs to loans | 0.0127% | 2,882 |
| Credit loss provision to net charge-offs | 3,029.4118% | 327 |
| Earnings coverage of net charge-offs (x) | 154.6471% | 556 |
| Efficiency ratio | 63.9095% | 2,840 |
| Assets per employee ($millions) | 6.5836% | 1,862 |
| Cash dividends to net income (ytd only)* | 38.6540% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 4,651 |
| Loan loss allowance to noncurrent loans | 213.7056% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 3,439 |
| Noncurrent loans to loans | 0.3097% | 3,097 |
| Net loans and leases to total assets | 53.3195% | 3,546 |
| Net loans and leases to deposits | 61.3632% | 3,649 |
| Net loans and leases to core deposits | 64.5203% | 3,657 |
| Total domestic deposits to total assets | 86.8916% | 1,990 |
| Equity capital to assets | 11.3270% | 2,004 |
| Core capital (leverage) ratio | 9.4359% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,771,600 | 2,736 |
| Average earning assets | $212,551,400 | 2,730 |
| Average equity | $25,839,000 | 2,748 |
| Average total loans | $133,643,000 | 2,818 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,533 |
| Cost of funding earning assets | 0.4223% | 3,688 |
| Net interest margin | 3.7238% | 1,862 |
| Noninterest income to average assets | 0.3288% | 3,513 |
| Noninterest expense to average assets | 2.5795% | 2,601 |
| Loan and lease loss provision to assets | 0.3491% | 1,087 |
| Net operating income to assets | 0.6619% | 3,588 |
| Return on assets (ROA) | 0.6937% | 3,579 |
| Pretax return on assets | 0.9030% | 3,376 |
| Return on Equity (ROE) | 6.1123% | 3,518 |
| Retained earnings to average equity (ytd only) | 3.9289% | 3,088 |
| Net charge-offs to loans | 0.0168% | 2,534 |
| Credit loss provision to net charge-offs | 3,470.5882% | 312 |
| Earnings coverage of net charge-offs (x) | 120.5294% | 694 |
| Efficiency ratio | 63.1571% | 2,886 |
| Assets per employee ($millions) | 6.0812% | 2,196 |
| Cash dividends to net income (ytd only)* | 35.7204% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 4,578 |
| Loan loss allowance to noncurrent loans | 244.2667% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 2,796 |
| Noncurrent loans to loans | 0.2882% | 3,246 |
| Net loans and leases to total assets | 55.9095% | 3,631 |
| Net loans and leases to deposits | 64.5467% | 3,753 |
| Net loans and leases to core deposits | 68.3381% | 3,738 |
| Total domestic deposits to total assets | 86.6187% | 1,806 |
| Equity capital to assets | 11.4582% | 2,043 |
| Core capital (leverage) ratio | 9.5066% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,462,250 | 2,733 |
| Average earning assets | $209,638,000 | 2,731 |
| Average equity | $25,587,250 | 2,754 |
| Average total loans | $135,250,250 | 2,814 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,350 |
| Cost of funding earning assets | 0.4418% | 3,833 |
| Net interest margin | 3.9034% | 1,559 |
| Noninterest income to average assets | 0.3158% | 3,573 |
| Noninterest expense to average assets | 2.5636% | 2,786 |
| Loan and lease loss provision to assets | 0.5251% | 656 |
| Net operating income to assets | 0.6449% | 3,595 |
| Return on assets (ROA) | 0.6449% | 3,685 |
| Pretax return on assets | 0.8390% | 3,480 |
| Return on Equity (ROE) | 5.7018% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.2071% | 2,818 |
| Net charge-offs to loans | 0.0248% | 2,222 |
| Credit loss provision to net charge-offs | 3,452.9412% | 319 |
| Earnings coverage of net charge-offs (x) | 89.7059% | 753 |
| Efficiency ratio | 60.5101% | 3,340 |
| Assets per employee ($millions) | 5.8749% | 2,294 |
| Cash dividends to net income (ytd only)* | 26.2136% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 4,628 |
| Loan loss allowance to noncurrent loans | 254.5961% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 2,992 |
| Noncurrent loans to loans | 0.2638% | 3,441 |
| Net loans and leases to total assets | 57.5120% | 3,553 |
| Net loans and leases to deposits | 66.1419% | 3,708 |
| Net loans and leases to core deposits | 70.7512% | 3,655 |
| Total domestic deposits to total assets | 86.9525% | 1,640 |
| Equity capital to assets | 11.1027% | 2,248 |
| Core capital (leverage) ratio | 9.3606% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,588,333 | 2,727 |
| Average earning assets | $206,898,667 | 2,734 |
| Average equity | $25,290,333 | 2,758 |
| Average total loans | $136,962,333 | 2,784 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 1,376 |
| Cost of funding earning assets | 0.5005% | 3,944 |
| Net interest margin | 4.3193% | 733 |
| Noninterest income to average assets | 0.3525% | 3,410 |
| Noninterest expense to average assets | 2.6032% | 2,973 |
| Loan and lease loss provision to assets | 0.9344% | 240 |
| Net operating income to assets | 0.6077% | 3,578 |
| Return on assets (ROA) | 0.6077% | 3,634 |
| Pretax return on assets | 0.7912% | 3,434 |
| Return on Equity (ROE) | 5.3194% | 3,535 |
| Retained earnings to average equity (ytd only) | 5.3194% | 2,148 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7252% | 4,233 |
| Assets per employee ($millions) | 5.6487% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,731 |
| Loan loss allowance to noncurrent loans | 201.6548% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 1,531 |
| Noncurrent loans to loans | 0.3080% | 3,397 |
| Net loans and leases to total assets | 61.9534% | 3,303 |
| Net loans and leases to deposits | 71.6174% | 3,467 |
| Net loans and leases to core deposits | 78.3353% | 3,329 |
| Total domestic deposits to total assets | 86.5060% | 1,774 |
| Equity capital to assets | 11.5557% | 2,390 |
| Core capital (leverage) ratio | 9.7965% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,884,500 | 2,729 |
| Average earning assets | $200,589,000 | 2,735 |
| Average equity | $24,890,000 | 2,783 |
| Average total loans | $137,411,000 | 2,749 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 2,352 |
| Cost of funding earning assets | 0.7682% | 2,836 |
| Net interest margin | 3.9246% | 2,091 |
| Noninterest income to average assets | 0.4260% | 3,131 |
| Noninterest expense to average assets | 3.1001% | 1,760 |
| Loan and lease loss provision to assets | 0.2199% | 882 |
| Net operating income to assets | 0.6414% | 4,035 |
| Return on assets (ROA) | 0.6349% | 4,124 |
| Pretax return on assets | 0.7092% | 4,190 |
| Return on Equity (ROE) | 6.5675% | 3,719 |
| Retained earnings to average equity (ytd only) | 2.0818% | 3,958 |
| Net charge-offs to loans | 0.1426% | 1,374 |
| Credit loss provision to net charge-offs | 229.5000% | 1,166 |
| Earnings coverage of net charge-offs (x) | 9.7700% | 2,632 |
| Efficiency ratio | 75.9734% | 1,375 |
| Assets per employee ($millions) | 5.1275% | 2,424 |
| Cash dividends to net income (ytd only)* | 68.3019% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3338% | 5,022 |
| Loan loss allowance to noncurrent loans | 76.3727% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.9512% | 411 |
| Noncurrent loans to loans | 0.4371% | 2,880 |
| Net loans and leases to total assets | 63.6286% | 3,245 |
| Net loans and leases to deposits | 73.4723% | 3,396 |
| Net loans and leases to core deposits | 80.6754% | 3,240 |
| Total domestic deposits to total assets | 86.6022% | 1,805 |
| Equity capital to assets | 11.2943% | 2,715 |
| Core capital (leverage) ratio | 9.5352% | 4,021 |
| Tier 1 risk-based capital ratio | 13.9132% | 3,311 |
| Total risk-based capital ratio | 14.2301% | 3,677 |
| Memoranda: | ||
| Average total assets | $208,700,000 | 2,772 |
| Average earning assets | $191,996,400 | 2,781 |
| Average equity | $20,175,000 | 3,115 |
| Average total loans | $140,218,800 | 2,717 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 2,829 |
| Cost of funding earning assets | 0.8020% | 2,707 |
| Net interest margin | 3.7689% | 2,689 |
| Noninterest income to average assets | 0.6897% | 1,826 |
| Noninterest expense to average assets | 3.3951% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7285% | 3,914 |
| Return on assets (ROA) | 0.7193% | 4,018 |
| Pretax return on assets | 0.7561% | 4,226 |
| Return on Equity (ROE) | 7.7819% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.2085% | 4,203 |
| Net charge-offs to loans | 0.1902% | 904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.9155% | 2,875 |
| Efficiency ratio | 81.0710% | 825 |
| Assets per employee ($millions) | 4.3183% | 3,457 |
| Cash dividends to net income (ytd only)* | 71.6202% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,312 |
| Loan loss allowance to noncurrent loans | 515.7738% | 957 |
| Noncurrent assets plus other real estate owned to assets | 1.8902% | 496 |
| Noncurrent loans to loans | 0.2394% | 3,685 |
| Net loans and leases to total assets | 66.8751% | 2,941 |
| Net loans and leases to deposits | 75.4811% | 3,344 |
| Net loans and leases to core deposits | 83.0844% | 3,175 |
| Total domestic deposits to total assets | 88.5985% | 784 |
| Equity capital to assets | 9.4993% | 4,452 |
| Core capital (leverage) ratio | 9.0622% | 4,588 |
| Tier 1 risk-based capital ratio | 12.5944% | 4,091 |
| Total risk-based capital ratio | 13.7757% | 4,003 |
| Memoranda: | ||
| Average total assets | $207,036,000 | 2,804 |
| Average earning assets | $190,680,500 | 2,811 |
| Average equity | $19,138,000 | 3,236 |
| Average total loans | $140,901,750 | 2,741 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 2,910 |
| Cost of funding earning assets | 0.7698% | 2,807 |
| Net interest margin | 3.7623% | 2,711 |
| Noninterest income to average assets | 0.8765% | 1,132 |
| Noninterest expense to average assets | 3.5235% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7840% | 3,711 |
| Return on assets (ROA) | 0.7702% | 3,820 |
| Pretax return on assets | 0.8098% | 4,065 |
| Return on Equity (ROE) | 8.4098% | 3,110 |
| Retained earnings to average equity (ytd only) | 1.5511% | 4,273 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5512% | 925 |
| Assets per employee ($millions) | 4.3151% | 3,412 |
| Cash dividends to net income (ytd only)* | 81.5558% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,747 |
| Loan loss allowance to noncurrent loans | 104.5971% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 2.7785% | 240 |
| Noncurrent loans to loans | 1.3083% | 1,203 |
| Net loans and leases to total assets | 67.3004% | 2,925 |
| Net loans and leases to deposits | 75.8329% | 3,351 |
| Net loans and leases to core deposits | 82.5566% | 3,235 |
| Total domestic deposits to total assets | 88.7483% | 765 |
| Equity capital to assets | 9.4368% | 4,464 |
| Core capital (leverage) ratio | 8.8228% | 4,771 |
| Tier 1 risk-based capital ratio | 12.3750% | 4,199 |
| Total risk-based capital ratio | 13.6256% | 4,073 |
| Memoranda: | ||
| Average total assets | $206,955,000 | 2,810 |
| Average earning assets | $190,947,000 | 2,817 |
| Average equity | $18,954,000 | 3,252 |
| Average total loans | $141,085,330 | 2,750 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 3,052 |
| Cost of funding earning assets | 0.7199% | 2,947 |
| Net interest margin | 3.7295% | 2,783 |
| Noninterest income to average assets | 0.7850% | 1,324 |
| Noninterest expense to average assets | 3.7241% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4718% | 4,594 |
| Return on assets (ROA) | 0.4718% | 4,616 |
| Pretax return on assets | 0.4969% | 4,693 |
| Return on Equity (ROE) | 5.2310% | 4,265 |
| Retained earnings to average equity (ytd only) | -5.4883% | 4,948 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7233% | 502 |
| Assets per employee ($millions) | 4.2214% | 3,595 |
| Cash dividends to net income (ytd only)* | 204.9180% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,699 |
| Loan loss allowance to noncurrent loans | 124.6937% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 2.5537% | 295 |
| Noncurrent loans to loans | 1.1182% | 1,494 |
| Net loans and leases to total assets | 64.8017% | 3,193 |
| Net loans and leases to deposits | 72.4838% | 3,571 |
| Net loans and leases to core deposits | 78.7088% | 3,472 |
| Total domestic deposits to total assets | 89.4016% | 692 |
| Equity capital to assets | 8.8989% | 4,752 |
| Core capital (leverage) ratio | 8.8343% | 4,767 |
| Tier 1 risk-based capital ratio | 12.2293% | 4,333 |
| Total risk-based capital ratio | 13.4802% | 4,203 |
| Memoranda: | ||
| Average total assets | $206,870,000 | 2,839 |
| Average earning assets | $190,590,000 | 2,846 |
| Average equity | $18,658,000 | 3,294 |
| Average total loans | $140,963,000 | 2,791 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 3,001 |
| Cost of funding earning assets | 0.5660% | 2,951 |
| Net interest margin | 3.7648% | 2,805 |
| Noninterest income to average assets | 0.5451% | 2,578 |
| Noninterest expense to average assets | 3.4827% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5220% | 4,614 |
| Return on assets (ROA) | 0.5230% | 4,605 |
| Pretax return on assets | 0.5513% | 4,718 |
| Return on Equity (ROE) | 5.9812% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.0553% | 3,333 |
| Net charge-offs to loans | 0.0605% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,490 |
| Efficiency ratio | 85.6972% | 547 |
| Assets per employee ($millions) | 3.8975% | 4,039 |
| Cash dividends to net income (ytd only)* | 32.1987% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,825 |
| Loan loss allowance to noncurrent loans | 42.3195% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.8199% | 241 |
| Noncurrent loans to loans | 3.1910% | 302 |
| Net loans and leases to total assets | 69.7099% | 2,610 |
| Net loans and leases to deposits | 78.3371% | 3,128 |
| Net loans and leases to core deposits | 85.1819% | 2,987 |
| Total domestic deposits to total assets | 88.9870% | 862 |
| Equity capital to assets | 9.1444% | 4,456 |
| Core capital (leverage) ratio | 8.8887% | 4,747 |
| Tier 1 risk-based capital ratio | 12.1252% | 4,345 |
| Total risk-based capital ratio | 13.3761% | 4,230 |
| Memoranda: | ||
| Average total assets | $207,857,600 | 2,789 |
| Average earning assets | $192,571,600 | 2,793 |
| Average equity | $18,173,600 | 3,278 |
| Average total loans | $145,475,600 | 2,701 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 3,250 |
| Cost of funding earning assets | 0.5345% | 2,965 |
| Net interest margin | 3.6858% | 3,069 |
| Noninterest income to average assets | 0.6101% | 2,257 |
| Noninterest expense to average assets | 3.4219% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5744% | 4,575 |
| Return on assets (ROA) | 0.5756% | 4,577 |
| Pretax return on assets | 0.6050% | 4,720 |
| Return on Equity (ROE) | 6.6577% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.5518% | 2,924 |
| Net charge-offs to loans | 0.1068% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.0938% | 2,748 |
| Efficiency ratio | 84.3072% | 627 |
| Assets per employee ($millions) | 3.4552% | 4,614 |
| Cash dividends to net income (ytd only)* | 16.6117% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,106 |
| Loan loss allowance to noncurrent loans | 33.4622% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 3.5823% | 157 |
| Noncurrent loans to loans | 3.8767% | 225 |
| Net loans and leases to total assets | 72.2909% | 2,288 |
| Net loans and leases to deposits | 81.1234% | 2,910 |
| Net loans and leases to core deposits | 87.8698% | 2,851 |
| Total domestic deposits to total assets | 89.1123% | 811 |
| Equity capital to assets | 9.0369% | 4,519 |
| Core capital (leverage) ratio | 8.8840% | 4,815 |
| Tier 1 risk-based capital ratio | 11.7950% | 4,605 |
| Total risk-based capital ratio | 13.0336% | 4,503 |
| Memoranda: | ||
| Average total assets | $209,154,500 | 2,798 |
| Average earning assets | $193,820,750 | 2,797 |
| Average equity | $18,083,750 | 3,307 |
| Average total loans | $146,040,750 | 2,703 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 3,177 |
| Cost of funding earning assets | 0.5189% | 2,854 |
| Net interest margin | 3.6589% | 3,083 |
| Noninterest income to average assets | 0.6507% | 2,089 |
| Noninterest expense to average assets | 3.3649% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6433% | 4,366 |
| Return on assets (ROA) | 0.6451% | 4,369 |
| Pretax return on assets | 0.6790% | 4,559 |
| Return on Equity (ROE) | 7.5685% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.9087% | 2,605 |
| Net charge-offs to loans | -0.0082% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6645% | 790 |
| Assets per employee ($millions) | 3.5211% | 4,567 |
| Cash dividends to net income (ytd only)* | 21.9298% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,731 |
| Loan loss allowance to noncurrent loans | 41.9930% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 3.0403% | 239 |
| Noncurrent loans to loans | 3.3453% | 309 |
| Net loans and leases to total assets | 68.4809% | 2,796 |
| Net loans and leases to deposits | 76.4796% | 3,287 |
| Net loans and leases to core deposits | 82.3798% | 3,210 |
| Total domestic deposits to total assets | 89.5415% | 727 |
| Equity capital to assets | 8.7324% | 4,772 |
| Core capital (leverage) ratio | 8.4979% | 5,115 |
| Tier 1 risk-based capital ratio | 11.8583% | 4,581 |
| Total risk-based capital ratio | 13.1089% | 4,467 |
| Memoranda: | ||
| Average total assets | $212,072,670 | 2,790 |
| Average earning assets | $196,563,000 | 2,787 |
| Average equity | $18,075,000 | 3,322 |
| Average total loans | $145,796,000 | 2,718 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,425 |
| Cost of funding earning assets | 0.4987% | 2,804 |
| Net interest margin | 3.5496% | 3,346 |
| Noninterest income to average assets | 0.8999% | 1,146 |
| Noninterest expense to average assets | 3.3178% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8215% | 3,623 |
| Return on assets (ROA) | 0.8215% | 3,633 |
| Pretax return on assets | 0.8645% | 3,963 |
| Return on Equity (ROE) | 9.7550% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.6465% | 1,601 |
| Net charge-offs to loans | 0.0109% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 115.7500% | 540 |
| Efficiency ratio | 78.7946% | 1,285 |
| Assets per employee ($millions) | 4.0187% | 3,944 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,846 |
| Loan loss allowance to noncurrent loans | 115.3143% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5691% | 865 |
| Noncurrent loans to loans | 1.2128% | 1,496 |
| Net loans and leases to total assets | 65.5618% | 3,110 |
| Net loans and leases to deposits | 72.7653% | 3,533 |
| Net loans and leases to core deposits | 78.0714% | 3,489 |
| Total domestic deposits to total assets | 90.1004% | 620 |
| Equity capital to assets | 8.3324% | 5,089 |
| Core capital (leverage) ratio | 8.4686% | 5,161 |
| Tier 1 risk-based capital ratio | 11.9066% | 4,600 |
| Total risk-based capital ratio | 13.1573% | 4,500 |
| Memoranda: | ||
| Average total assets | $214,237,000 | 2,800 |
| Average earning assets | $198,108,000 | 2,806 |
| Average equity | $18,042,000 | 3,350 |
| Average total loans | $146,548,000 | 2,729 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,244 |
| Cost of funding earning assets | 0.4857% | 2,451 |
| Net interest margin | 3.5648% | 3,287 |
| Noninterest income to average assets | 0.5514% | 2,712 |
| Noninterest expense to average assets | 3.2316% | 1,545 |
| Loan and lease loss provision to assets | 0.2961% | 582 |
| Net operating income to assets | 0.2969% | 4,932 |
| Return on assets (ROA) | 0.3117% | 4,923 |
| Pretax return on assets | 0.3278% | 5,182 |
| Return on Equity (ROE) | 3.7829% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.6686% | 3,718 |
| Net charge-offs to loans | 0.7712% | 266 |
| Credit loss provision to net charge-offs | 53.8847% | 3,286 |
| Earnings coverage of net charge-offs (x) | 1.1069% | 3,928 |
| Efficiency ratio | 82.7236% | 878 |
| Assets per employee ($millions) | 3.9160% | 4,100 |
| Cash dividends to net income (ytd only)* | 29.4551% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,939 |
| Loan loss allowance to noncurrent loans | 113.2213% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 810 |
| Noncurrent loans to loans | 1.1996% | 1,482 |
| Net loans and leases to total assets | 69.4120% | 2,614 |
| Net loans and leases to deposits | 77.3522% | 3,185 |
| Net loans and leases to core deposits | 83.9320% | 3,058 |
| Total domestic deposits to total assets | 89.7349% | 663 |
| Equity capital to assets | 8.5130% | 5,115 |
| Core capital (leverage) ratio | 8.1556% | 5,375 |
| Tier 1 risk-based capital ratio | 11.2477% | 5,016 |
| Total risk-based capital ratio | 12.4980% | 4,892 |
| Memoranda: | ||
| Average total assets | $217,819,400 | 2,745 |
| Average earning assets | $200,939,000 | 2,761 |
| Average equity | $17,949,400 | 3,371 |
| Average total loans | $155,218,600 | 2,598 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,306 |
| Cost of funding earning assets | 0.4813% | 2,421 |
| Net interest margin | 3.5313% | 3,383 |
| Noninterest income to average assets | 0.6010% | 2,484 |
| Noninterest expense to average assets | 3.2882% | 1,379 |
| Loan and lease loss provision to assets | 0.3920% | 351 |
| Net operating income to assets | 0.1712% | 5,379 |
| Return on assets (ROA) | 0.1908% | 5,376 |
| Pretax return on assets | 0.2005% | 5,389 |
| Return on Equity (ROE) | 2.3342% | 5,255 |
| Retained earnings to average equity (ytd only) | 0.8474% | 5,023 |
| Net charge-offs to loans | 0.9386% | 191 |
| Credit loss provision to net charge-offs | 58.4239% | 2,823 |
| Earnings coverage of net charge-offs (x) | 0.8524% | 3,623 |
| Efficiency ratio | 83.5013% | 795 |
| Assets per employee ($millions) | 3.7857% | 4,323 |
| Cash dividends to net income (ytd only)* | 63.6937% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,846 |
| Loan loss allowance to noncurrent loans | 70.1626% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.2029% | 550 |
| Noncurrent loans to loans | 2.0070% | 849 |
| Net loans and leases to total assets | 69.8176% | 2,591 |
| Net loans and leases to deposits | 78.7956% | 3,086 |
| Net loans and leases to core deposits | 85.5600% | 3,003 |
| Total domestic deposits to total assets | 88.6060% | 1,067 |
| Equity capital to assets | 8.5406% | 5,261 |
| Core capital (leverage) ratio | 8.1226% | 5,465 |
| Tier 1 risk-based capital ratio | 10.8501% | 5,317 |
| Total risk-based capital ratio | 12.1008% | 5,228 |
| Memoranda: | ||
| Average total assets | $219,408,000 | 2,758 |
| Average earning assets | $202,488,000 | 2,770 |
| Average equity | $17,936,250 | 3,403 |
| Average total loans | $156,822,500 | 2,599 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 3,218 |
| Cost of funding earning assets | 0.4845% | 2,290 |
| Net interest margin | 3.5108% | 3,358 |
| Noninterest income to average assets | 0.6382% | 2,267 |
| Noninterest expense to average assets | 3.3198% | 1,336 |
| Loan and lease loss provision to assets | 0.3561% | 398 |
| Net operating income to assets | 0.1919% | 5,404 |
| Return on assets (ROA) | 0.2244% | 5,375 |
| Pretax return on assets | 0.2362% | 5,401 |
| Return on Equity (ROE) | 2.7853% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.1074% | 4,797 |
| Net charge-offs to loans | 1.4322% | 129 |
| Credit loss provision to net charge-offs | 34.6795% | 2,687 |
| Earnings coverage of net charge-offs (x) | 0.5435% | 3,366 |
| Efficiency ratio | 83.6588% | 869 |
| Assets per employee ($millions) | 4.3156% | 3,407 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,937 |
| Loan loss allowance to noncurrent loans | 76.4632% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 711 |
| Noncurrent loans to loans | 1.5860% | 1,165 |
| Net loans and leases to total assets | 69.0470% | 2,662 |
| Net loans and leases to deposits | 77.7958% | 3,137 |
| Net loans and leases to core deposits | 85.7876% | 2,901 |
| Total domestic deposits to total assets | 88.7542% | 1,080 |
| Equity capital to assets | 8.4091% | 5,352 |
| Core capital (leverage) ratio | 7.9668% | 5,546 |
| Tier 1 risk-based capital ratio | 10.8551% | 5,324 |
| Total risk-based capital ratio | 12.0254% | 5,278 |
| Memoranda: | ||
| Average total assets | $221,878,000 | 2,750 |
| Average earning assets | $204,739,330 | 2,762 |
| Average equity | $17,879,670 | 3,414 |
| Average total loans | $159,054,670 | 2,577 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,440 |
| Cost of funding earning assets | 0.5123% | 1,992 |
| Net interest margin | 3.3748% | 3,736 |
| Noninterest income to average assets | 0.7024% | 1,959 |
| Noninterest expense to average assets | 3.3326% | 1,324 |
| Loan and lease loss provision to assets | 0.5086% | 199 |
| Net operating income to assets | -0.0100% | 5,608 |
| Return on assets (ROA) | 0.0569% | 5,564 |
| Pretax return on assets | 0.0605% | 5,560 |
| Return on Equity (ROE) | 0.7212% | 5,538 |
| Retained earnings to average equity (ytd only) | -0.4057% | 4,983 |
| Net charge-offs to loans | 0.7379% | 236 |
| Credit loss provision to net charge-offs | 95.0166% | 1,651 |
| Earnings coverage of net charge-offs (x) | 0.9302% | 2,781 |
| Efficiency ratio | 85.0511% | 887 |
| Assets per employee ($millions) | 4.3454% | 3,429 |
| Cash dividends to net income (ytd only)* | 156.2500% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 1,300 |
| Loan loss allowance to noncurrent loans | 40.2898% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 3.3229% | 269 |
| Noncurrent loans to loans | 4.0573% | 251 |
| Net loans and leases to total assets | 69.4553% | 2,468 |
| Net loans and leases to deposits | 77.8818% | 2,986 |
| Net loans and leases to core deposits | 84.5471% | 2,853 |
| Total domestic deposits to total assets | 89.1804% | 1,060 |
| Equity capital to assets | 8.0184% | 5,513 |
| Core capital (leverage) ratio | 7.5693% | 5,692 |
| Tier 1 risk-based capital ratio | 10.3592% | 5,604 |
| Total risk-based capital ratio | 11.6136% | 5,529 |
| Memoranda: | ||
| Average total assets | $224,927,500 | 2,749 |
| Average earning assets | $208,488,000 | 2,742 |
| Average equity | $17,747,000 | 3,444 |
| Average total loans | $163,173,000 | 2,532 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 2,880 |
| Cost of funding earning assets | 0.5076% | 2,030 |
| Net interest margin | 3.5855% | 3,122 |
| Noninterest income to average assets | 0.4624% | 3,466 |
| Noninterest expense to average assets | 2.9817% | 2,396 |
| Loan and lease loss provision to assets | 0.6975% | 176 |
| Net operating income to assets | 0.1111% | 5,549 |
| Return on assets (ROA) | 0.1120% | 5,576 |
| Pretax return on assets | 0.1167% | 5,579 |
| Return on Equity (ROE) | 1.4028% | 5,504 |
| Retained earnings to average equity (ytd only) | -2.6931% | 5,573 |
| Net charge-offs to loans | 0.9303% | 200 |
| Credit loss provision to net charge-offs | 100.9901% | 2,541 |
| Earnings coverage of net charge-offs (x) | 1.1776% | 4,030 |
| Efficiency ratio | 76.6554% | 1,898 |
| Assets per employee ($millions) | 4.3892% | 3,294 |
| Cash dividends to net income (ytd only)* | 291.9847% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,618 |
| Loan loss allowance to noncurrent loans | 39.0974% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 3.2072% | 287 |
| Noncurrent loans to loans | 3.8743% | 280 |
| Net loans and leases to total assets | 73.2964% | 1,960 |
| Net loans and leases to deposits | 85.1757% | 2,281 |
| Net loans and leases to core deposits | 93.1973% | 2,190 |
| Total domestic deposits to total assets | 86.0532% | 2,554 |
| Equity capital to assets | 7.7655% | 5,648 |
| Core capital (leverage) ratio | 7.3139% | 5,774 |
| Tier 1 risk-based capital ratio | 9.4570% | 5,822 |
| Total risk-based capital ratio | 10.7092% | 5,814 |
| Memoranda: | ||
| Average total assets | $233,991,200 | 2,624 |
| Average earning assets | $217,490,000 | 2,623 |
| Average equity | $18,677,400 | 3,319 |
| Average total loans | $173,703,200 | 2,377 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 2,906 |
| Cost of funding earning assets | 0.5123% | 1,996 |
| Net interest margin | 3.5789% | 3,165 |
| Noninterest income to average assets | 0.4887% | 3,332 |
| Noninterest expense to average assets | 3.0899% | 2,054 |
| Loan and lease loss provision to assets | 0.8127% | 134 |
| Net operating income to assets | -0.0827% | 5,756 |
| Return on assets (ROA) | -0.0821% | 5,769 |
| Pretax return on assets | -0.0821% | 5,763 |
| Return on Equity (ROE) | -1.0221% | 5,781 |
| Retained earnings to average equity (ytd only) | -6.2380% | 5,771 |
| Net charge-offs to loans | 1.2908% | 118 |
| Credit loss provision to net charge-offs | 84.8610% | 2,608 |
| Earnings coverage of net charge-offs (x) | 0.7623% | 3,764 |
| Efficiency ratio | 78.9918% | 1,560 |
| Assets per employee ($millions) | 4.2554% | 3,497 |
| Cash dividends to net income (ytd only)* | -510.3398% | 5,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,373 |
| Loan loss allowance to noncurrent loans | 35.4273% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.7888% | 449 |
| Noncurrent loans to loans | 3.8471% | 301 |
| Net loans and leases to total assets | 71.1517% | 2,326 |
| Net loans and leases to deposits | 84.5070% | 2,429 |
| Net loans and leases to core deposits | 92.9410% | 2,283 |
| Total domestic deposits to total assets | 84.1962% | 3,144 |
| Equity capital to assets | 7.7383% | 5,803 |
| Core capital (leverage) ratio | 7.1255% | 5,869 |
| Tier 1 risk-based capital ratio | 9.3259% | 5,896 |
| Total risk-based capital ratio | 10.5764% | 5,892 |
| Memoranda: | ||
| Average total assets | $235,429,250 | 2,629 |
| Average earning assets | $219,132,750 | 2,615 |
| Average equity | $18,915,750 | 3,306 |
| Average total loans | $174,663,000 | 2,370 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,103 |
| Cost of funding earning assets | 0.5167% | 1,964 |
| Net interest margin | 3.5231% | 3,403 |
| Noninterest income to average assets | 0.5621% | 2,839 |
| Noninterest expense to average assets | 3.0718% | 2,135 |
| Loan and lease loss provision to assets | 0.2374% | 837 |
| Net operating income to assets | 0.5096% | 4,644 |
| Return on assets (ROA) | 0.5104% | 4,749 |
| Pretax return on assets | 0.5375% | 5,053 |
| Return on Equity (ROE) | 6.2761% | 3,917 |
| Retained earnings to average equity (ytd only) | 0.6464% | 5,114 |
| Net charge-offs to loans | 0.6840% | 299 |
| Credit loss provision to net charge-offs | 46.3576% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.5116% | 3,401 |
| Efficiency ratio | 77.9762% | 1,798 |
| Assets per employee ($millions) | 4.1996% | 3,569 |
| Cash dividends to net income (ytd only)* | 89.7010% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,883 |
| Loan loss allowance to noncurrent loans | 24.4418% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 3.8847% | 242 |
| Noncurrent loans to loans | 5.2527% | 159 |
| Net loans and leases to total assets | 73.0061% | 2,015 |
| Net loans and leases to deposits | 88.1323% | 1,979 |
| Net loans and leases to core deposits | 97.0944% | 1,882 |
| Total domestic deposits to total assets | 82.8369% | 3,714 |
| Equity capital to assets | 8.1827% | 5,739 |
| Core capital (leverage) ratio | 7.3809% | 5,899 |
| Tier 1 risk-based capital ratio | 9.4703% | 5,954 |
| Total risk-based capital ratio | 10.6885% | 5,941 |
| Memoranda: | ||
| Average total assets | $235,890,670 | 2,634 |
| Average earning assets | $219,865,670 | 2,618 |
| Average equity | $19,184,000 | 3,274 |
| Average total loans | $176,608,000 | 2,346 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 2,870 |
| Cost of funding earning assets | 0.5121% | 2,008 |
| Net interest margin | 3.5808% | 3,167 |
| Noninterest income to average assets | 0.6231% | 2,397 |
| Noninterest expense to average assets | 3.0578% | 2,216 |
| Loan and lease loss provision to assets | 0.1947% | 1,018 |
| Net operating income to assets | 0.6621% | 3,920 |
| Return on assets (ROA) | 0.6637% | 4,033 |
| Pretax return on assets | 0.6993% | 4,531 |
| Return on Equity (ROE) | 8.1863% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.1863% | 1,382 |
| Net charge-offs to loans | 0.5327% | 407 |
| Credit loss provision to net charge-offs | 48.5232% | 2,064 |
| Earnings coverage of net charge-offs (x) | 2.2236% | 2,717 |
| Efficiency ratio | 75.5251% | 2,245 |
| Assets per employee ($millions) | 4.4437% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 2,467 |
| Loan loss allowance to noncurrent loans | 49.5925% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.0453% | 841 |
| Noncurrent loans to loans | 2.8036% | 619 |
| Net loans and leases to total assets | 71.9406% | 2,048 |
| Net loans and leases to deposits | 86.4528% | 2,018 |
| Net loans and leases to core deposits | 94.6005% | 1,933 |
| Total domestic deposits to total assets | 83.2138% | 3,820 |
| Equity capital to assets | 8.0876% | 5,787 |
| Core capital (leverage) ratio | 7.6212% | 5,897 |
| Tier 1 risk-based capital ratio | 9.7086% | 5,969 |
| Total risk-based capital ratio | 10.9599% | 5,940 |
| Memoranda: | ||
| Average total assets | $236,246,500 | 2,643 |
| Average earning assets | $219,507,000 | 2,626 |
| Average equity | $19,154,000 | 3,287 |
| Average total loans | $177,948,000 | 2,338 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,555 |
| Cost of funding earning assets | 0.4490% | 2,633 |
| Net interest margin | 3.7520% | 2,545 |
| Noninterest income to average assets | 0.2780% | 4,896 |
| Noninterest expense to average assets | 2.8431% | 3,061 |
| Loan and lease loss provision to assets | 0.2824% | 639 |
| Net operating income to assets | 0.6134% | 4,207 |
| Return on assets (ROA) | 0.6171% | 4,286 |
| Pretax return on assets | 0.6486% | 4,680 |
| Return on Equity (ROE) | 7.5482% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.0862% | 1,745 |
| Net charge-offs to loans | 0.0146% | 4,004 |
| Credit loss provision to net charge-offs | 2,552.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 83.7600% | 672 |
| Efficiency ratio | 73.9549% | 2,586 |
| Assets per employee ($millions) | 4.3874% | 3,239 |
| Cash dividends to net income (ytd only)* | 19.3687% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,357 |
| Loan loss allowance to noncurrent loans | 553.4632% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 4,799 |
| Noncurrent loans to loans | 0.2555% | 4,518 |
| Net loans and leases to total assets | 76.6671% | 1,307 |
| Net loans and leases to deposits | 96.9545% | 914 |
| Net loans and leases to core deposits | 101.2673% | 1,422 |
| Total domestic deposits to total assets | 79.0753% | 4,961 |
| Equity capital to assets | 8.1283% | 5,795 |
| Core capital (leverage) ratio | 7.5347% | 5,971 |
| Tier 1 risk-based capital ratio | 9.2747% | 6,077 |
| Total risk-based capital ratio | 10.5260% | 6,074 |
| Memoranda: | ||
| Average total assets | $225,881,600 | 2,699 |
| Average earning assets | $210,235,200 | 2,678 |
| Average equity | $18,468,000 | 3,319 |
| Average total loans | $171,816,800 | 2,333 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,650 |
| Cost of funding earning assets | 0.4353% | 2,848 |
| Net interest margin | 3.7443% | 2,594 |
| Noninterest income to average assets | 0.2462% | 5,173 |
| Noninterest expense to average assets | 2.7758% | 3,286 |
| Loan and lease loss provision to assets | 0.1641% | 1,296 |
| Net operating income to assets | 0.7555% | 3,658 |
| Return on assets (ROA) | 0.7605% | 3,726 |
| Pretax return on assets | 0.7998% | 4,340 |
| Return on Equity (ROE) | 9.2882% | 2,426 |
| Retained earnings to average equity (ytd only) | 7.3274% | 1,536 |
| Net charge-offs to loans | 0.0016% | 4,128 |
| Credit loss provision to net charge-offs | 13,800.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 804.9738% | 93 |
| Efficiency ratio | 72.9459% | 2,727 |
| Assets per employee ($millions) | 4.3816% | 3,192 |
| Cash dividends to net income (ytd only)* | 21.1102% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 3,213 |
| Loan loss allowance to noncurrent loans | 1,031.1628% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 5,371 |
| Noncurrent loans to loans | 0.1241% | 5,133 |
| Net loans and leases to total assets | 75.0925% | 1,530 |
| Net loans and leases to deposits | 91.7723% | 1,437 |
| Net loans and leases to core deposits | 95.7876% | 1,906 |
| Total domestic deposits to total assets | 81.8248% | 4,219 |
| Equity capital to assets | 8.2583% | 5,846 |
| Core capital (leverage) ratio | 7.7864% | 5,985 |
| Tier 1 risk-based capital ratio | 9.7012% | 6,099 |
| Total risk-based capital ratio | 10.9447% | 6,079 |
| Memoranda: | ||
| Average total assets | $224,218,500 | 2,735 |
| Average earning assets | $208,882,000 | 2,710 |
| Average equity | $18,359,750 | 3,360 |
| Average total loans | $169,562,500 | 2,370 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 2,692 |
| Cost of funding earning assets | 0.4236% | 3,001 |
| Net interest margin | 3.7350% | 2,561 |
| Noninterest income to average assets | 0.2350% | 5,276 |
| Noninterest expense to average assets | 2.7828% | 3,305 |
| Loan and lease loss provision to assets | 0.1112% | 1,979 |
| Net operating income to assets | 0.7797% | 3,488 |
| Return on assets (ROA) | 0.7874% | 3,554 |
| Pretax return on assets | 0.8287% | 4,209 |
| Return on Equity (ROE) | 9.6443% | 2,232 |
| Retained earnings to average equity (ytd only) | 7.6671% | 1,400 |
| Net charge-offs to loans | 0.0036% | 3,777 |
| Credit loss provision to net charge-offs | 4,133.3333% | 104 |
| Earnings coverage of net charge-offs (x) | 346.3333% | 202 |
| Efficiency ratio | 73.5152% | 2,747 |
| Assets per employee ($millions) | 4.3403% | 3,229 |
| Cash dividends to net income (ytd only)* | 20.5011% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 3,737 |
| Loan loss allowance to noncurrent loans | 7,375.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,846 |
| Noncurrent loans to loans | 0.0164% | 5,699 |
| Net loans and leases to total assets | 76.2420% | 1,333 |
| Net loans and leases to deposits | 92.9523% | 1,259 |
| Net loans and leases to core deposits | 96.9847% | 1,718 |
| Total domestic deposits to total assets | 82.0227% | 4,288 |
| Equity capital to assets | 8.3169% | 5,820 |
| Core capital (leverage) ratio | 7.6745% | 6,046 |
| Tier 1 risk-based capital ratio | 9.6848% | 6,164 |
| Total risk-based capital ratio | 10.8630% | 6,153 |
| Memoranda: | ||
| Average total assets | $223,010,330 | 2,767 |
| Average earning assets | $207,766,000 | 2,738 |
| Average equity | $18,207,670 | 3,395 |
| Average total loans | $168,313,330 | 2,392 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,015 |
| Cost of funding earning assets | 0.4086% | 3,211 |
| Net interest margin | 3.6483% | 2,820 |
| Noninterest income to average assets | 0.2198% | 5,382 |
| Noninterest expense to average assets | 2.8414% | 3,098 |
| Loan and lease loss provision to assets | 0.0250% | 3,374 |
| Net operating income to assets | 0.7156% | 3,723 |
| Return on assets (ROA) | 0.7309% | 3,777 |
| Pretax return on assets | 0.7684% | 4,358 |
| Return on Equity (ROE) | 9.0354% | 2,427 |
| Retained earnings to average equity (ytd only) | 7.0472% | 1,993 |
| Net charge-offs to loans | 0.0263% | 2,642 |
| Credit loss provision to net charge-offs | 127.2727% | 1,390 |
| Earnings coverage of net charge-offs (x) | 39.5455% | 979 |
| Efficiency ratio | 77.0864% | 2,328 |
| Assets per employee ($millions) | 4.5412% | 2,983 |
| Cash dividends to net income (ytd only)* | 22.0049% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 4,145 |
| Loan loss allowance to noncurrent loans | 1,927.7228% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,693 |
| Noncurrent loans to loans | 0.0607% | 5,538 |
| Net loans and leases to total assets | 72.4381% | 1,742 |
| Net loans and leases to deposits | 85.2664% | 1,924 |
| Net loans and leases to core deposits | 88.4514% | 2,280 |
| Total domestic deposits to total assets | 84.9551% | 3,434 |
| Equity capital to assets | 8.0706% | 5,997 |
| Core capital (leverage) ratio | 7.5851% | 6,118 |
| Tier 1 risk-based capital ratio | 9.6644% | 6,242 |
| Total risk-based capital ratio | 10.7991% | 6,243 |
| Memoranda: | ||
| Average total assets | $223,837,000 | 2,771 |
| Average earning assets | $208,537,000 | 2,746 |
| Average equity | $18,106,500 | 3,429 |
| Average total loans | $167,054,000 | 2,408 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 3,172 |
| Cost of funding earning assets | 0.4276% | 3,411 |
| Net interest margin | 3.7112% | 2,969 |
| Noninterest income to average assets | 0.2536% | 5,316 |
| Noninterest expense to average assets | 2.8682% | 3,245 |
| Loan and lease loss provision to assets | 0.1979% | 1,287 |
| Net operating income to assets | 0.3469% | 5,388 |
| Return on assets (ROA) | 0.3539% | 5,437 |
| Pretax return on assets | 0.6577% | 4,766 |
| Return on Equity (ROE) | 4.4366% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.4173% | 4,511 |
| Net charge-offs to loans | 0.0019% | 4,934 |
| Credit loss provision to net charge-offs | 14,333.3333% | 18 |
| Earnings coverage of net charge-offs (x) | 611.6667% | 83 |
| Efficiency ratio | 75.8150% | 2,541 |
| Assets per employee ($millions) | 4.4123% | 3,169 |
| Cash dividends to net income (ytd only)* | 45.5137% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 4,230 |
| Loan loss allowance to noncurrent loans | 750.5792% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,562 |
| Noncurrent loans to loans | 0.1545% | 5,279 |
| Net loans and leases to total assets | 75.1262% | 1,398 |
| Net loans and leases to deposits | 89.2759% | 1,587 |
| Net loans and leases to core deposits | 92.7398% | 2,016 |
| Total domestic deposits to total assets | 84.1506% | 3,647 |
| Equity capital to assets | 8.1083% | 6,006 |
| Core capital (leverage) ratio | 7.3736% | 6,243 |
| Tier 1 risk-based capital ratio | 9.8635% | 6,292 |
| Total risk-based capital ratio | 11.0565% | 6,270 |
| Memoranda: | ||
| Average total assets | $217,277,800 | 2,814 |
| Average earning assets | $202,524,000 | 2,779 |
| Average equity | $17,333,200 | 3,483 |
| Average total loans | $158,556,200 | 2,447 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,283 |
| Cost of funding earning assets | 0.4228% | 3,547 |
| Net interest margin | 3.6999% | 3,024 |
| Noninterest income to average assets | 0.2446% | 5,456 |
| Noninterest expense to average assets | 2.8515% | 3,281 |
| Loan and lease loss provision to assets | 0.2606% | 818 |
| Net operating income to assets | 0.1901% | 5,868 |
| Return on assets (ROA) | 0.1996% | 5,898 |
| Pretax return on assets | 0.5920% | 5,056 |
| Return on Equity (ROE) | 2.5124% | 5,701 |
| Retained earnings to average equity (ytd only) | 0.1861% | 5,748 |
| Net charge-offs to loans | 0.0034% | 4,585 |
| Credit loss provision to net charge-offs | 10,575.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 340.2045% | 208 |
| Efficiency ratio | 75.8390% | 2,516 |
| Assets per employee ($millions) | 4.2813% | 3,330 |
| Cash dividends to net income (ytd only)* | 92.5924% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 4,163 |
| Loan loss allowance to noncurrent loans | 3,520.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,000 |
| Noncurrent loans to loans | 0.0344% | 5,888 |
| Net loans and leases to total assets | 72.2904% | 1,798 |
| Net loans and leases to deposits | 87.1922% | 1,766 |
| Net loans and leases to core deposits | 89.5493% | 2,267 |
| Total domestic deposits to total assets | 82.9093% | 4,181 |
| Equity capital to assets | 8.0230% | 6,121 |
| Core capital (leverage) ratio | 7.3219% | 6,326 |
| Tier 1 risk-based capital ratio | 10.0236% | 6,338 |
| Total risk-based capital ratio | 11.2638% | 6,308 |
| Memoranda: | ||
| Average total assets | $216,443,750 | 2,844 |
| Average earning assets | $201,515,000 | 2,811 |
| Average equity | $17,194,500 | 3,516 |
| Average total loans | $156,274,500 | 2,488 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,438 |
| Cost of funding earning assets | 0.4249% | 3,601 |
| Net interest margin | 3.6523% | 3,133 |
| Noninterest income to average assets | 0.2317% | 5,537 |
| Noninterest expense to average assets | 2.8738% | 3,253 |
| Loan and lease loss provision to assets | 0.0723% | 2,827 |
| Net operating income to assets | 0.1392% | 5,972 |
| Return on assets (ROA) | 0.1511% | 5,986 |
| Pretax return on assets | 0.7053% | 4,622 |
| Return on Equity (ROE) | 1.9079% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.9079% | 4,929 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6276% | 2,347 |
| Assets per employee ($millions) | 4.0634% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 5,375 |
| Loan loss allowance to noncurrent loans | 6,134.6154% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 6,108 |
| Noncurrent loans to loans | 0.0162% | 6,028 |
| Net loans and leases to total assets | 73.6834% | 1,477 |
| Net loans and leases to deposits | 88.3226% | 1,557 |
| Net loans and leases to core deposits | 91.1715% | 2,011 |
| Total domestic deposits to total assets | 83.4253% | 4,140 |
| Equity capital to assets | 8.1878% | 6,037 |
| Core capital (leverage) ratio | 7.3343% | 6,360 |
| Tier 1 risk-based capital ratio | 10.1248% | 6,359 |
| Total risk-based capital ratio | 11.1496% | 6,391 |
| Memoranda: | ||
| Average total assets | $215,809,330 | 2,860 |
| Average earning assets | $200,972,000 | 2,826 |
| Average equity | $17,086,670 | 3,537 |
| Average total loans | $155,106,000 | 2,503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,613 |
| Cost of funding earning assets | 0.4198% | 3,760 |
| Net interest margin | 3.5970% | 3,258 |
| Noninterest income to average assets | 0.2351% | 5,480 |
| Noninterest expense to average assets | 2.9051% | 3,191 |
| Loan and lease loss provision to assets | 0.0296% | 3,434 |
| Net operating income to assets | -0.4444% | 6,451 |
| Return on assets (ROA) | -0.4444% | 6,455 |
| Pretax return on assets | 0.6480% | 4,669 |
| Return on Equity (ROE) | -5.7097% | 6,483 |
| Retained earnings to average equity (ytd only) | -5.7097% | 6,166 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5866% | 2,262 |
| Assets per employee ($millions) | 4.1650% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 5,470 |
| Loan loss allowance to noncurrent loans | 349.2027% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 5,545 |
| Noncurrent loans to loans | 0.2897% | 5,247 |
| Net loans and leases to total assets | 67.9593% | 2,230 |
| Net loans and leases to deposits | 80.5191% | 2,223 |
| Net loans and leases to core deposits | 82.7885% | 2,658 |
| Total domestic deposits to total assets | 84.4014% | 4,121 |
| Equity capital to assets | 7.6097% | 6,274 |
| Core capital (leverage) ratio | 7.2273% | 6,416 |
| Tier 1 risk-based capital ratio | 10.2407% | 6,413 |
| Total risk-based capital ratio | 11.2651% | 6,449 |
| Memoranda: | ||
| Average total assets | $216,035,000 | 2,874 |
| Average earning assets | $201,055,000 | 2,840 |
| Average equity | $16,813,500 | 3,575 |
| Average total loans | $152,520,000 | 2,548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,918 |
| Cost of funding earning assets | 0.4549% | 4,067 |
| Net interest margin | 3.8566% | 2,446 |
| Noninterest income to average assets | 0.2769% | 5,373 |
| Noninterest expense to average assets | 2.8715% | 3,456 |
| Loan and lease loss provision to assets | 0.0720% | 3,675 |
| Net operating income to assets | 0.6678% | 3,949 |
| Return on assets (ROA) | 0.7787% | 3,505 |
| Pretax return on assets | 1.0656% | 3,089 |
| Return on Equity (ROE) | 9.7855% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.4727% | 2,292 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0241% | 3,283 |
| Assets per employee ($millions) | 3.9134% | 4,040 |
| Cash dividends to net income (ytd only)* | 44.0729% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 5,627 |
| Loan loss allowance to noncurrent loans | 406.7024% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 5,786 |
| Noncurrent loans to loans | 0.2430% | 5,450 |
| Net loans and leases to total assets | 71.9145% | 1,696 |
| Net loans and leases to deposits | 86.6689% | 1,612 |
| Net loans and leases to core deposits | 89.1092% | 2,128 |
| Total domestic deposits to total assets | 82.9761% | 4,552 |
| Equity capital to assets | 7.9635% | 6,045 |
| Core capital (leverage) ratio | 7.2545% | 6,460 |
| Tier 1 risk-based capital ratio | 10.1610% | 6,468 |
| Total risk-based capital ratio | 11.1532% | 6,506 |
| Memoranda: | ||
| Average total assets | $211,246,400 | 2,903 |
| Average earning assets | $196,106,200 | 2,873 |
| Average equity | $16,810,600 | 3,586 |
| Average total loans | $143,710,800 | 2,644 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,112 |
| Cost of funding earning assets | 0.4521% | 4,252 |
| Net interest margin | 3.8183% | 2,580 |
| Noninterest income to average assets | 0.2695% | 5,524 |
| Noninterest expense to average assets | 2.8903% | 3,334 |
| Loan and lease loss provision to assets | 0.0537% | 3,961 |
| Net operating income to assets | 0.6575% | 4,081 |
| Return on assets (ROA) | 0.6489% | 4,250 |
| Pretax return on assets | 0.8591% | 4,054 |
| Return on Equity (ROE) | 8.1556% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.7839% | 3,248 |
| Net charge-offs to loans | -0.0038% | 5,744 |
| Credit loss provision to net charge-offs | -2,125.0000% | 6,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3339% | 3,005 |
| Assets per employee ($millions) | 4.2540% | 3,320 |
| Cash dividends to net income (ytd only)* | 41.3423% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 5,848 |
| Loan loss allowance to noncurrent loans | 1,023.9437% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 6,247 |
| Noncurrent loans to loans | 0.0946% | 6,054 |
| Net loans and leases to total assets | 68.4989% | 2,227 |
| Net loans and leases to deposits | 82.1786% | 2,117 |
| Net loans and leases to core deposits | 83.9127% | 2,664 |
| Total domestic deposits to total assets | 83.3536% | 4,439 |
| Equity capital to assets | 7.7035% | 6,305 |
| Core capital (leverage) ratio | 7.2333% | 6,534 |
| Tier 1 risk-based capital ratio | 9.9226% | 6,615 |
| Total risk-based capital ratio | 10.8723% | 6,651 |
| Memoranda: | ||
| Average total assets | $211,226,500 | 2,932 |
| Average earning assets | $196,105,500 | 2,898 |
| Average equity | $16,806,000 | 3,629 |
| Average total loans | $141,265,750 | 2,692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 3,119 |
| Cost of funding earning assets | 0.4553% | 4,372 |
| Net interest margin | 3.8045% | 2,540 |
| Noninterest income to average assets | 0.2494% | 5,665 |
| Noninterest expense to average assets | 2.9171% | 3,280 |
| Loan and lease loss provision to assets | 0.0659% | 3,710 |
| Net operating income to assets | 0.6225% | 4,188 |
| Return on assets (ROA) | 0.6211% | 4,351 |
| Pretax return on assets | 0.8017% | 4,307 |
| Return on Equity (ROE) | 7.7211% | 3,227 |
| Retained earnings to average equity (ytd only) | 5.9393% | 2,474 |
| Net charge-offs to loans | -0.0043% | 5,612 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5741% | 2,846 |
| Assets per employee ($millions) | 3.9708% | 3,869 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 5,780 |
| Loan loss allowance to noncurrent loans | 72.0662% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 3,891 |
| Noncurrent loans to loans | 1.4010% | 3,196 |
| Net loans and leases to total assets | 66.9475% | 2,421 |
| Net loans and leases to deposits | 77.0282% | 2,720 |
| Net loans and leases to core deposits | 78.1979% | 3,261 |
| Total domestic deposits to total assets | 86.9130% | 2,873 |
| Equity capital to assets | 7.7922% | 6,318 |
| Core capital (leverage) ratio | 7.2605% | 6,542 |
| Tier 1 risk-based capital ratio | 10.1330% | 6,601 |
| Total risk-based capital ratio | 11.1000% | 6,648 |
| Memoranda: | ||
| Average total assets | $209,317,330 | 2,958 |
| Average earning assets | $194,609,330 | 2,932 |
| Average equity | $16,837,000 | 3,644 |
| Average total loans | $138,332,670 | 2,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 3,184 |
| Cost of funding earning assets | 0.4748% | 4,330 |
| Net interest margin | 3.7549% | 2,638 |
| Noninterest income to average assets | 0.2434% | 5,714 |
| Noninterest expense to average assets | 3.0620% | 2,804 |
| Loan and lease loss provision to assets | 0.0613% | 3,615 |
| Net operating income to assets | 0.4898% | 4,728 |
| Return on assets (ROA) | 0.4867% | 4,896 |
| Pretax return on assets | 0.6017% | 4,938 |
| Return on Equity (ROE) | 5.9568% | 4,071 |
| Retained earnings to average equity (ytd only) | 2.4390% | 4,806 |
| Net charge-offs to loans | -0.0323% | 5,928 |
| Credit loss provision to net charge-offs | -290.9091% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6269% | 2,232 |
| Assets per employee ($millions) | 3.9693% | 4,020 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 5,863 |
| Loan loss allowance to noncurrent loans | 1,235.0877% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 6,445 |
| Noncurrent loans to loans | 0.0837% | 6,231 |
| Net loans and leases to total assets | 64.0743% | 2,692 |
| Net loans and leases to deposits | 72.4771% | 3,125 |
| Net loans and leases to core deposits | 73.5588% | 3,632 |
| Total domestic deposits to total assets | 88.4063% | 2,062 |
| Equity capital to assets | 8.1137% | 6,326 |
| Core capital (leverage) ratio | 7.2547% | 6,562 |
| Tier 1 risk-based capital ratio | 10.1915% | 6,660 |
| Total risk-based capital ratio | 11.1721% | 6,693 |
| Memoranda: | ||
| Average total assets | $208,749,500 | 2,990 |
| Average earning assets | $193,772,000 | 2,970 |
| Average equity | $17,056,000 | 3,661 |
| Average total loans | $136,334,000 | 2,785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 2,697 |
| Cost of funding earning assets | 0.5792% | 4,548 |
| Net interest margin | 4.0935% | 2,028 |
| Noninterest income to average assets | 0.3395% | 5,030 |
| Noninterest expense to average assets | 3.1655% | 2,723 |
| Loan and lease loss provision to assets | 0.0419% | 5,332 |
| Net operating income to assets | 0.6546% | 3,967 |
| Return on assets (ROA) | 0.6959% | 4,013 |
| Pretax return on assets | 0.9367% | 3,789 |
| Return on Equity (ROE) | 8.3500% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.8640% | 3,476 |
| Net charge-offs to loans | -0.0225% | 6,572 |
| Credit loss provision to net charge-offs | -289.6552% | 6,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0151% | 2,741 |
| Assets per employee ($millions) | 3.8357% | 4,296 |
| Cash dividends to net income (ytd only)* | 53.7249% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,957 |
| Loan loss allowance to noncurrent loans | 564.0496% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 6,283 |
| Noncurrent loans to loans | 0.1773% | 6,033 |
| Net loans and leases to total assets | 65.2260% | 2,666 |
| Net loans and leases to deposits | 76.5873% | 2,705 |
| Net loans and leases to core deposits | 77.5470% | 3,326 |
| Total domestic deposits to total assets | 85.1656% | 3,778 |
| Equity capital to assets | 8.2283% | 6,259 |
| Core capital (leverage) ratio | 7.1595% | 6,652 |
| Tier 1 risk-based capital ratio | 9.9936% | 6,705 |
| Total risk-based capital ratio | 10.9344% | 6,752 |
| Memoranda: | ||
| Average total assets | $200,599,600 | 3,031 |
| Average earning assets | $183,705,400 | 3,045 |
| Average equity | $16,718,600 | 3,670 |
| Average total loans | $128,758,800 | 2,906 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 2,714 |
| Cost of funding earning assets | 0.6005% | 4,645 |
| Net interest margin | 4.1198% | 2,022 |
| Noninterest income to average assets | 0.3002% | 5,380 |
| Noninterest expense to average assets | 3.1770% | 2,645 |
| Loan and lease loss provision to assets | 0.0107% | 5,674 |
| Net operating income to assets | 0.6541% | 4,120 |
| Return on assets (ROA) | 0.6848% | 4,241 |
| Pretax return on assets | 0.9194% | 4,032 |
| Return on Equity (ROE) | 8.1901% | 3,191 |
| Retained earnings to average equity (ytd only) | 4.5839% | 3,678 |
| Net charge-offs to loans | -0.0347% | 6,610 |
| Credit loss provision to net charge-offs | -48.4848% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7101% | 2,562 |
| Assets per employee ($millions) | 3.7721% | 4,368 |
| Cash dividends to net income (ytd only)* | 44.0318% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,062 |
| Loan loss allowance to noncurrent loans | 191.8879% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 5,858 |
| Noncurrent loans to loans | 0.5237% | 5,393 |
| Net loans and leases to total assets | 62.9191% | 3,219 |
| Net loans and leases to deposits | 72.1960% | 3,581 |
| Net loans and leases to core deposits | 73.1086% | 4,099 |
| Total domestic deposits to total assets | 87.1504% | 2,585 |
| Equity capital to assets | 8.4037% | 6,347 |
| Core capital (leverage) ratio | 7.3256% | 6,708 |
| Tier 1 risk-based capital ratio | 10.3448% | 6,716 |
| Total risk-based capital ratio | 11.2796% | 6,771 |
| Memoranda: | ||
| Average total assets | $198,968,000 | 3,092 |
| Average earning assets | $181,848,500 | 3,095 |
| Average equity | $16,637,500 | 3,714 |
| Average total loans | $126,832,250 | 2,973 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 2,538 |
| Cost of funding earning assets | 0.6288% | 4,640 |
| Net interest margin | 4.1650% | 1,852 |
| Noninterest income to average assets | 0.3111% | 5,326 |
| Noninterest expense to average assets | 3.1541% | 2,738 |
| Loan and lease loss provision to assets | 0.0162% | 5,463 |
| Net operating income to assets | 0.6861% | 3,941 |
| Return on assets (ROA) | 0.7305% | 3,973 |
| Pretax return on assets | 1.0000% | 3,710 |
| Return on Equity (ROE) | 8.7514% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.1101% | 3,217 |
| Net charge-offs to loans | -0.0524% | 6,674 |
| Credit loss provision to net charge-offs | -48.4848% | 5,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3205% | 2,845 |
| Assets per employee ($millions) | 3.7875% | 4,345 |
| Cash dividends to net income (ytd only)* | 41.6089% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,106 |
| Loan loss allowance to noncurrent loans | 752.0231% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 6,554 |
| Noncurrent loans to loans | 0.1346% | 6,324 |
| Net loans and leases to total assets | 63.3768% | 3,169 |
| Net loans and leases to deposits | 72.4511% | 3,547 |
| Net loans and leases to core deposits | 73.3771% | 4,115 |
| Total domestic deposits to total assets | 87.4753% | 2,484 |
| Equity capital to assets | 8.3900% | 6,308 |
| Core capital (leverage) ratio | 7.2034% | 6,754 |
| Tier 1 risk-based capital ratio | 10.3821% | 6,732 |
| Total risk-based capital ratio | 11.3322% | 6,786 |
| Memoranda: | ||
| Average total assets | $197,392,330 | 3,120 |
| Average earning assets | $180,025,000 | 3,130 |
| Average equity | $16,477,330 | 3,733 |
| Average total loans | $125,955,000 | 3,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 2,372 |
| Cost of funding earning assets | 0.6533% | 4,698 |
| Net interest margin | 4.2116% | 1,731 |
| Noninterest income to average assets | 0.2350% | 5,949 |
| Noninterest expense to average assets | 3.2904% | 2,316 |
| Loan and lease loss provision to assets | 0.0327% | 4,965 |
| Net operating income to assets | 0.5702% | 4,493 |
| Return on assets (ROA) | 0.5702% | 4,718 |
| Pretax return on assets | 0.7460% | 4,624 |
| Return on Equity (ROE) | 6.8487% | 3,862 |
| Retained earnings to average equity (ytd only) | 3.1666% | 4,666 |
| Net charge-offs to loans | -0.0225% | 6,217 |
| Credit loss provision to net charge-offs | -228.5714% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4073% | 2,285 |
| Assets per employee ($millions) | 3.8830% | 4,231 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,186 |
| Loan loss allowance to noncurrent loans | 879.3103% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 6,673 |
| Noncurrent loans to loans | 0.1156% | 6,465 |
| Net loans and leases to total assets | 61.4844% | 3,359 |
| Net loans and leases to deposits | 69.9729% | 3,737 |
| Net loans and leases to core deposits | 70.8579% | 4,316 |
| Total domestic deposits to total assets | 87.8688% | 2,412 |
| Equity capital to assets | 8.1177% | 6,440 |
| Core capital (leverage) ratio | 7.2911% | 6,729 |
| Tier 1 risk-based capital ratio | 10.3363% | 6,783 |
| Total risk-based capital ratio | 11.2847% | 6,866 |
| Memoranda: | ||
| Average total assets | $195,719,000 | 3,160 |
| Average earning assets | $178,172,500 | 3,168 |
| Average equity | $16,295,000 | 3,765 |
| Average total loans | $124,671,000 | 3,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 2,393 |
| Cost of funding earning assets | 0.8197% | 4,710 |
| Net interest margin | 4.2951% | 1,711 |
| Noninterest income to average assets | 0.3321% | 5,159 |
| Noninterest expense to average assets | 3.1918% | 2,896 |
| Loan and lease loss provision to assets | 0.1149% | 5,162 |
| Net operating income to assets | 0.6570% | 3,706 |
| Return on assets (ROA) | 0.7039% | 3,658 |
| Pretax return on assets | 0.9762% | 3,332 |
| Return on Equity (ROE) | 8.5352% | 2,658 |
| Retained earnings to average equity (ytd only) | 4.3607% | 3,074 |
| Net charge-offs to loans | 0.0913% | 5,427 |
| Credit loss provision to net charge-offs | 199.0826% | 1,264 |
| Earnings coverage of net charge-offs (x) | 17.7706% | 1,253 |
| Efficiency ratio | 74.2183% | 3,190 |
| Assets per employee ($millions) | 3.6446% | 4,677 |
| Cash dividends to net income (ytd only)* | 48.9090% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 6,168 |
| Loan loss allowance to noncurrent loans | 875.5245% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 6,300 |
| Noncurrent loans to loans | 0.1154% | 6,524 |
| Net loans and leases to total assets | 64.7251% | 3,038 |
| Net loans and leases to deposits | 75.4465% | 3,270 |
| Net loans and leases to core deposits | 76.4123% | 3,923 |
| Total domestic deposits to total assets | 85.7894% | 3,433 |
| Equity capital to assets | 8.5474% | 6,076 |
| Core capital (leverage) ratio | 7.2247% | 6,780 |
| Tier 1 risk-based capital ratio | 10.4042% | 6,730 |
| Total risk-based capital ratio | 11.3524% | 6,814 |
| Memoranda: | ||
| Average total assets | $188,798,600 | 3,199 |
| Average earning assets | $170,800,400 | 3,236 |
| Average equity | $15,570,800 | 3,798 |
| Average total loans | $119,417,800 | 3,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 2,614 |
| Cost of funding earning assets | 0.8458% | 4,801 |
| Net interest margin | 4.2523% | 1,903 |
| Noninterest income to average assets | 0.3160% | 5,334 |
| Noninterest expense to average assets | 3.1930% | 2,847 |
| Loan and lease loss provision to assets | 0.1534% | 4,543 |
| Net operating income to assets | 0.5927% | 4,118 |
| Return on assets (ROA) | 0.6129% | 4,213 |
| Pretax return on assets | 0.8426% | 3,973 |
| Return on Equity (ROE) | 7.4996% | 3,279 |
| Retained earnings to average equity (ytd only) | 4.2558% | 3,697 |
| Net charge-offs to loans | 0.1386% | 4,672 |
| Credit loss provision to net charge-offs | 176.4228% | 1,689 |
| Earnings coverage of net charge-offs (x) | 11.1379% | 1,839 |
| Efficiency ratio | 75.2506% | 2,966 |
| Assets per employee ($millions) | 3.7900% | 4,327 |
| Cash dividends to net income (ytd only)* | 43.2529% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,229 |
| Loan loss allowance to noncurrent loans | 178.1295% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 5,726 |
| Noncurrent loans to loans | 0.5652% | 5,738 |
| Net loans and leases to total assets | 62.9744% | 3,514 |
| Net loans and leases to deposits | 72.6243% | 3,867 |
| Net loans and leases to core deposits | 74.0046% | 4,441 |
| Total domestic deposits to total assets | 86.7126% | 2,813 |
| Equity capital to assets | 8.3461% | 6,447 |
| Core capital (leverage) ratio | 7.2688% | 6,876 |
| Tier 1 risk-based capital ratio | 10.2116% | 6,890 |
| Total risk-based capital ratio | 11.1465% | 6,969 |
| Memoranda: | ||
| Average total assets | $188,618,250 | 3,220 |
| Average earning assets | $170,571,000 | 3,241 |
| Average equity | $15,413,750 | 3,841 |
| Average total loans | $118,292,500 | 3,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 2,698 |
| Cost of funding earning assets | 0.8855% | 4,788 |
| Net interest margin | 4.2111% | 1,991 |
| Noninterest income to average assets | 0.2962% | 5,516 |
| Noninterest expense to average assets | 3.2706% | 2,668 |
| Loan and lease loss provision to assets | 0.1272% | 4,700 |
| Net operating income to assets | 0.5292% | 4,380 |
| Return on assets (ROA) | 0.5292% | 4,525 |
| Pretax return on assets | 0.7014% | 4,382 |
| Return on Equity (ROE) | 6.5242% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.8767% | 3,073 |
| Net charge-offs to loans | 0.1079% | 4,612 |
| Credit loss provision to net charge-offs | 188.8889% | 1,602 |
| Earnings coverage of net charge-offs (x) | 12.3016% | 1,637 |
| Efficiency ratio | 78.2733% | 2,667 |
| Assets per employee ($millions) | 3.7246% | 4,372 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 6,381 |
| Loan loss allowance to noncurrent loans | 166.8056% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 5,822 |
| Noncurrent loans to loans | 0.5917% | 5,743 |
| Net loans and leases to total assets | 62.2098% | 3,847 |
| Net loans and leases to deposits | 71.7216% | 4,158 |
| Net loans and leases to core deposits | 73.8968% | 4,589 |
| Total domestic deposits to total assets | 86.7379% | 2,893 |
| Equity capital to assets | 8.1010% | 6,599 |
| Core capital (leverage) ratio | 7.2026% | 6,917 |
| Tier 1 risk-based capital ratio | 10.0800% | 6,952 |
| Total risk-based capital ratio | 10.9854% | 7,046 |
| Memoranda: | ||
| Average total assets | $187,061,670 | 3,268 |
| Average earning assets | $168,935,000 | 3,294 |
| Average equity | $15,174,330 | 3,879 |
| Average total loans | $116,736,670 | 3,301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 2,334 |
| Cost of funding earning assets | 0.9309% | 4,715 |
| Net interest margin | 4.2426% | 1,777 |
| Noninterest income to average assets | 0.3004% | 5,517 |
| Noninterest expense to average assets | 3.3458% | 2,416 |
| Loan and lease loss provision to assets | 0.1023% | 4,728 |
| Net operating income to assets | 0.4854% | 4,548 |
| Return on assets (ROA) | 0.4854% | 4,629 |
| Pretax return on assets | 0.6422% | 4,525 |
| Return on Equity (ROE) | 5.9800% | 3,914 |
| Retained earnings to average equity (ytd only) | 2.6280% | 4,592 |
| Net charge-offs to loans | 0.1645% | 3,492 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.2766% | 1,967 |
| Efficiency ratio | 80.2555% | 2,481 |
| Assets per employee ($millions) | 3.5471% | 4,883 |
| Cash dividends to net income (ytd only)* | 56.0538% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,388 |
| Loan loss allowance to noncurrent loans | 611.7647% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 6,475 |
| Noncurrent loans to loans | 0.1641% | 6,647 |
| Net loans and leases to total assets | 58.9100% | 4,478 |
| Net loans and leases to deposits | 67.4969% | 4,745 |
| Net loans and leases to core deposits | 69.6617% | 5,089 |
| Total domestic deposits to total assets | 87.2781% | 2,780 |
| Equity capital to assets | 7.8155% | 6,667 |
| Core capital (leverage) ratio | 7.3038% | 6,854 |
| Tier 1 risk-based capital ratio | 10.3548% | 6,883 |
| Total risk-based capital ratio | 11.2611% | 6,998 |
| Memoranda: | ||
| Average total assets | $183,752,500 | 3,342 |
| Average earning assets | $164,146,000 | 3,387 |
| Average equity | $14,916,500 | 3,917 |
| Average total loans | $114,260,500 | 3,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 2,374 |
| Cost of funding earning assets | 1.0956% | 5,155 |
| Net interest margin | 4.3805% | 1,555 |
| Noninterest income to average assets | 0.4496% | 4,517 |
| Noninterest expense to average assets | 3.3701% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7139% | 3,180 |
| Return on assets (ROA) | 0.7687% | 3,047 |
| Pretax return on assets | 1.1081% | 2,542 |
| Return on Equity (ROE) | 9.1126% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.4667% | 2,740 |
| Net charge-offs to loans | 0.0126% | 6,705 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 131.2143% | 192 |
| Efficiency ratio | 75.1400% | 3,178 |
| Assets per employee ($millions) | 3.1993% | 5,670 |
| Cash dividends to net income (ytd only)* | 50.9832% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 6,398 |
| Loan loss allowance to noncurrent loans | 501.7544% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 6,603 |
| Noncurrent loans to loans | 0.1991% | 6,669 |
| Net loans and leases to total assets | 64.4429% | 3,774 |
| Net loans and leases to deposits | 76.2883% | 3,793 |
| Net loans and leases to core deposits | 79.1997% | 4,320 |
| Total domestic deposits to total assets | 84.4728% | 4,132 |
| Equity capital to assets | 8.4467% | 5,927 |
| Core capital (leverage) ratio | 7.2276% | 6,892 |
| Tier 1 risk-based capital ratio | 10.4954% | 6,707 |
| Total risk-based capital ratio | 11.4231% | 6,866 |
| Memoranda: | ||
| Average total assets | $178,602,000 | 3,404 |
| Average earning assets | $161,008,000 | 3,430 |
| Average equity | $15,067,000 | 3,930 |
| Average total loans | $111,247,400 | 3,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4873% | 2,481 |
| Cost of funding earning assets | 1.1004% | 5,414 |
| Net interest margin | 4.3869% | 1,563 |
| Noninterest income to average assets | 0.4314% | 4,706 |
| Noninterest expense to average assets | 3.1878% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8157% | 2,935 |
| Return on assets (ROA) | 0.8286% | 3,027 |
| Pretax return on assets | 1.2086% | 2,456 |
| Return on Equity (ROE) | 9.8247% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.2970% | 2,202 |
| Net charge-offs to loans | 0.0145% | 6,471 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 133.3300% | 240 |
| Efficiency ratio | 71.3388% | 3,829 |
| Assets per employee ($millions) | 3.3022% | 5,454 |
| Cash dividends to net income (ytd only)* | 35.9066% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 6,350 |
| Loan loss allowance to noncurrent loans | 540.5660% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 6,802 |
| Noncurrent loans to loans | 0.1868% | 6,809 |
| Net loans and leases to total assets | 61.8634% | 4,563 |
| Net loans and leases to deposits | 73.2220% | 4,651 |
| Net loans and leases to core deposits | 76.6638% | 4,970 |
| Total domestic deposits to total assets | 84.4875% | 3,874 |
| Equity capital to assets | 8.5937% | 6,161 |
| Core capital (leverage) ratio | 7.4358% | 6,894 |
| Tier 1 risk-based capital ratio | 10.3875% | 6,839 |
| Total risk-based capital ratio | 11.3064% | 7,019 |
| Memoranda: | ||
| Average total assets | $179,262,000 | 3,431 |
| Average earning assets | $161,265,250 | 3,474 |
| Average equity | $15,118,000 | 3,971 |
| Average total loans | $110,424,500 | 3,598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5360% | 2,381 |
| Cost of funding earning assets | 1.1137% | 5,607 |
| Net interest margin | 4.4223% | 1,387 |
| Noninterest income to average assets | 0.3967% | 4,938 |
| Noninterest expense to average assets | 3.1937% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7952% | 2,998 |
| Return on assets (ROA) | 0.8147% | 3,048 |
| Pretax return on assets | 1.2147% | 2,364 |
| Return on Equity (ROE) | 9.7227% | 2,202 |
| Retained earnings to average equity (ytd only) | 7.0480% | 1,812 |
| Net charge-offs to loans | 0.0219% | 6,031 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 88.1667% | 371 |
| Efficiency ratio | 71.4432% | 3,913 |
| Assets per employee ($millions) | 3.3894% | 5,219 |
| Cash dividends to net income (ytd only)* | 27.5103% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,321 |
| Loan loss allowance to noncurrent loans | 230.1205% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 6,513 |
| Noncurrent loans to loans | 0.4426% | 6,356 |
| Net loans and leases to total assets | 62.0026% | 4,685 |
| Net loans and leases to deposits | 74.8540% | 4,535 |
| Net loans and leases to core deposits | 78.1059% | 4,933 |
| Total domestic deposits to total assets | 82.8314% | 4,640 |
| Equity capital to assets | 8.5723% | 6,058 |
| Core capital (leverage) ratio | 7.2748% | 7,013 |
| Tier 1 risk-based capital ratio | 10.3165% | 6,824 |
| Total risk-based capital ratio | 11.2447% | 7,007 |
| Memoranda: | ||
| Average total assets | $178,475,670 | 3,461 |
| Average earning assets | $160,730,670 | 3,499 |
| Average equity | $14,954,670 | 4,000 |
| Average total loans | $109,398,330 | 3,652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4049% | 3,017 |
| Cost of funding earning assets | 1.1180% | 5,813 |
| Net interest margin | 4.2869% | 1,723 |
| Noninterest income to average assets | 0.3440% | 5,389 |
| Noninterest expense to average assets | 3.1951% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6669% | 3,583 |
| Return on assets (ROA) | 0.7060% | 3,522 |
| Pretax return on assets | 1.0613% | 2,874 |
| Return on Equity (ROE) | 8.5254% | 2,654 |
| Retained earnings to average equity (ytd only) | 3.0952% | 4,282 |
| Net charge-offs to loans | -0.0037% | 6,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5581% | 3,479 |
| Assets per employee ($millions) | 3.6199% | 4,772 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 6,146 |
| Loan loss allowance to noncurrent loans | 132.1551% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 6,009 |
| Noncurrent loans to loans | 0.8102% | 5,691 |
| Net loans and leases to total assets | 59.1633% | 5,262 |
| Net loans and leases to deposits | 71.9072% | 5,065 |
| Net loans and leases to core deposits | 74.9874% | 5,385 |
| Total domestic deposits to total assets | 82.2773% | 4,941 |
| Equity capital to assets | 8.2202% | 6,407 |
| Core capital (leverage) ratio | 7.1256% | 7,159 |
| Tier 1 risk-based capital ratio | 10.1199% | 6,952 |
| Total risk-based capital ratio | 11.0739% | 7,135 |
| Memoranda: | ||
| Average total assets | $177,895,500 | 3,526 |
| Average earning assets | $159,928,000 | 3,567 |
| Average equity | $14,732,500 | 4,073 |
| Average total loans | $107,835,000 | 3,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 3,011 |
| Cost of funding earning assets | 1.4081% | 5,899 |
| Net interest margin | 4.3111% | 1,687 |
| Noninterest income to average assets | 0.3349% | 5,696 |
| Noninterest expense to average assets | 3.2460% | 3,202 |
| Loan and lease loss provision to assets | 0.0893% | 6,720 |
| Net operating income to assets | 0.6459% | 3,153 |
| Return on assets (ROA) | 0.6505% | 3,194 |
| Pretax return on assets | 0.9173% | 2,871 |
| Return on Equity (ROE) | 7.9590% | 2,389 |
| Retained earnings to average equity (ytd only) | 5.0831% | 1,778 |
| Net charge-offs to loans | 0.1214% | 5,962 |
| Credit loss provision to net charge-offs | 120.6349% | 4,431 |
| Earnings coverage of net charge-offs (x) | 13.5079% | 1,424 |
| Efficiency ratio | 74.8409% | 3,738 |
| Assets per employee ($millions) | 3.4274% | 5,187 |
| Cash dividends to net income (ytd only)* | 36.1337% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 6,005 |
| Loan loss allowance to noncurrent loans | 103.4853% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 5,535 |
| Noncurrent loans to loans | 1.0416% | 5,238 |
| Net loans and leases to total assets | 60.7968% | 5,220 |
| Net loans and leases to deposits | 75.6867% | 4,799 |
| Net loans and leases to core deposits | 82.7276% | 5,847 |
| Total domestic deposits to total assets | 80.3269% | 5,576 |
| Equity capital to assets | 8.3451% | 6,133 |
| Core capital (leverage) ratio | 7.0673% | 7,182 |
| Tier 1 risk-based capital ratio | 10.0514% | 6,824 |
| Total risk-based capital ratio | 11.0091% | 7,040 |
| Memoranda: | ||
| Average total assets | $170,179,600 | 3,608 |
| Average earning assets | $154,390,800 | 3,630 |
| Average equity | $13,908,800 | 4,277 |
| Average total loans | $103,779,600 | 3,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7381% | 3,149 |
| Cost of funding earning assets | 1.4706% | 5,955 |
| Net interest margin | 4.2675% | 1,813 |
| Noninterest income to average assets | 0.2950% | 6,119 |
| Noninterest expense to average assets | 3.3272% | 2,818 |
| Loan and lease loss provision to assets | 0.1010% | 6,357 |
| Net operating income to assets | 0.5365% | 3,839 |
| Return on assets (ROA) | 0.5427% | 3,903 |
| Pretax return on assets | 0.7486% | 3,704 |
| Return on Equity (ROE) | 6.6766% | 3,229 |
| Retained earnings to average equity (ytd only) | 3.7653% | 3,176 |
| Net charge-offs to loans | 0.1542% | 5,175 |
| Credit loss provision to net charge-offs | 107.5630% | 4,722 |
| Earnings coverage of net charge-offs (x) | 8.9581% | 2,172 |
| Efficiency ratio | 78.1794% | 3,141 |
| Assets per employee ($millions) | 3.3509% | 5,253 |
| Cash dividends to net income (ytd only)* | 43.6047% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 5,888 |
| Loan loss allowance to noncurrent loans | 183.7359% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 6,090 |
| Noncurrent loans to loans | 0.5833% | 6,149 |
| Net loans and leases to total assets | 60.4494% | 5,512 |
| Net loans and leases to deposits | 74.7254% | 5,261 |
| Net loans and leases to core deposits | 81.4422% | 6,238 |
| Total domestic deposits to total assets | 80.8953% | 5,123 |
| Equity capital to assets | 8.3096% | 6,495 |
| Core capital (leverage) ratio | 7.0582% | 7,396 |
| Tier 1 risk-based capital ratio | 9.9185% | 7,044 |
| Total risk-based capital ratio | 10.8772% | 7,251 |
| Memoranda: | ||
| Average total assets | $169,025,250 | 3,645 |
| Average earning assets | $153,403,000 | 3,662 |
| Average equity | $13,739,250 | 4,351 |
| Average total loans | $102,867,250 | 3,909 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7955% | 3,068 |
| Cost of funding earning assets | 1.5772% | 5,817 |
| Net interest margin | 4.2183% | 1,927 |
| Noninterest income to average assets | 0.4077% | 5,218 |
| Noninterest expense to average assets | 3.4755% | 2,416 |
| Loan and lease loss provision to assets | 0.0084% | 7,116 |
| Net operating income to assets | 0.5427% | 3,920 |
| Return on assets (ROA) | 0.5523% | 3,989 |
| Pretax return on assets | 0.7580% | 3,811 |
| Return on Equity (ROE) | 6.8482% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.4013% | 3,995 |
| Net charge-offs to loans | 0.2361% | 4,018 |
| Credit loss provision to net charge-offs | 5.8333% | 6,213 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,876 |
| Efficiency ratio | 80.5485% | 2,958 |
| Assets per employee ($millions) | 3.2389% | 5,483 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,334 |
| Loan loss allowance to noncurrent loans | 74.5428% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 4,820 |
| Noncurrent loans to loans | 1.3256% | 4,562 |
| Net loans and leases to total assets | 60.6233% | 5,581 |
| Net loans and leases to deposits | 75.6391% | 5,223 |
| Net loans and leases to core deposits | 82.1940% | 6,222 |
| Total domestic deposits to total assets | 80.1481% | 5,419 |
| Equity capital to assets | 8.1824% | 6,519 |
| Core capital (leverage) ratio | 6.9299% | 7,583 |
| Tier 1 risk-based capital ratio | 9.9908% | 6,941 |
| Total risk-based capital ratio | 10.8723% | 7,252 |
| Memoranda: | ||
| Average total assets | $167,285,330 | 3,686 |
| Average earning assets | $151,531,000 | 3,716 |
| Average equity | $13,492,670 | 4,421 |
| Average total loans | $101,666,000 | 3,972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8348% | 3,119 |
| Cost of funding earning assets | 1.7066% | 5,570 |
| Net interest margin | 4.1282% | 2,179 |
| Noninterest income to average assets | 0.3575% | 5,586 |
| Noninterest expense to average assets | 3.4118% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4990% | 4,423 |
| Return on assets (ROA) | 0.4990% | 4,613 |
| Pretax return on assets | 0.6718% | 4,517 |
| Return on Equity (ROE) | 6.2329% | 3,938 |
| Retained earnings to average equity (ytd only) | 0.2397% | 5,564 |
| Net charge-offs to loans | 0.4557% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.4348% | 3,519 |
| Efficiency ratio | 81.8449% | 2,554 |
| Assets per employee ($millions) | 3.2800% | 5,377 |
| Cash dividends to net income (ytd only)* | 96.1538% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,104 |
| Loan loss allowance to noncurrent loans | 144.4602% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 5,371 |
| Noncurrent loans to loans | 0.7001% | 5,662 |
| Net loans and leases to total assets | 58.3649% | 5,886 |
| Net loans and leases to deposits | 71.4344% | 5,813 |
| Net loans and leases to core deposits | 80.0119% | 6,382 |
| Total domestic deposits to total assets | 81.7042% | 4,674 |
| Equity capital to assets | 7.9158% | 6,938 |
| Core capital (leverage) ratio | 6.9918% | 7,642 |
| Tier 1 risk-based capital ratio | 9.8212% | 7,117 |
| Total risk-based capital ratio | 10.6998% | 7,420 |
| Memoranda: | ||
| Average total assets | $166,717,000 | 3,714 |
| Average earning assets | $150,477,500 | 3,745 |
| Average equity | $13,348,500 | 4,491 |
| Average total loans | $100,938,000 | 4,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 3,888 |
| Cost of funding earning assets | 2.2107% | 5,553 |
| Net interest margin | 4.1030% | 2,698 |
| Noninterest income to average assets | 0.5688% | 4,091 |
| Noninterest expense to average assets | 3.5327% | 2,309 |
| Loan and lease loss provision to assets | 0.1985% | 4,905 |
| Net operating income to assets | 0.3878% | 5,204 |
| Return on assets (ROA) | 0.3964% | 4,981 |
| Pretax return on assets | 0.5395% | 4,884 |
| Return on Equity (ROE) | 4.5803% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.9479% | 4,021 |
| Net charge-offs to loans | 0.3355% | 3,155 |
| Credit loss provision to net charge-offs | 95.0156% | 5,547 |
| Earnings coverage of net charge-offs (x) | 3.4766% | 4,351 |
| Efficiency ratio | 81.1736% | 2,415 |
| Assets per employee ($millions) | 3.1322% | 5,678 |
| Cash dividends to net income (ytd only)* | 57.4713% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,150 |
| Loan loss allowance to noncurrent loans | 88.6453% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 4,199 |
| Noncurrent loans to loans | 1.2605% | 3,991 |
| Net loans and leases to total assets | 61.5075% | 5,697 |
| Net loans and leases to deposits | 77.9971% | 5,338 |
| Net loans and leases to core deposits | 90.4626% | 5,760 |
| Total domestic deposits to total assets | 78.8588% | 5,429 |
| Equity capital to assets | 8.1019% | 6,694 |
| Core capital (leverage) ratio | 7.1670% | 7,553 |
| Tier 1 risk-based capital ratio | 9.9022% | 6,848 |
| Total risk-based capital ratio | 10.8916% | 7,049 |
| Memoranda: | ||
| Average total assets | $153,648,600 | 3,830 |
| Average earning assets | $138,191,200 | 3,885 |
| Average equity | $13,296,200 | 4,499 |
| Average total loans | $95,680,000 | 4,064 |