Home > Iowa Trust and Savings Bank > Performance and Condition Ratios
Iowa Trust and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,977 |
| Cost of funding earning assets | 0.6303% | 4,031 |
| Net interest margin | 3.3600% | 2,496 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8005% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6638% | 774 |
| Return on assets (ROA) | 1.6638% | 748 |
| Pretax return on assets | 1.7422% | 979 |
| Return on Equity (ROE) | 25.7200% | 287 |
| Retained earnings to average equity (ytd only) | 18.7935% | 159 |
| Net charge-offs to loans | 0.0032% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,296.3333% | 121 |
| Efficiency ratio | 50.8220% | 3,923 |
| Assets per employee ($millions) | 7.9341% | 1,470 |
| Cash dividends to net income (ytd only)* | 26.9251% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,226 |
| Loan loss allowance to noncurrent loans | 9,393.3333% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 3,748 |
| Noncurrent loans to loans | 0.0154% | 3,636 |
| Net loans and leases to total assets | 44.9200% | 3,865 |
| Net loans and leases to deposits | 61.5335% | 3,438 |
| Net loans and leases to core deposits | 67.9353% | 3,410 |
| Total domestic deposits to total assets | 73.0000% | 4,168 |
| Equity capital to assets | 7.9665% | 3,444 |
| Core capital (leverage) ratio | 12.4052% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $223,220,800 | 2,828 |
| Average earning assets | $217,353,400 | 2,758 |
| Average equity | $14,441,200 | 3,309 |
| Average total loans | $94,280,000 | 3,238 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,949 |
| Cost of funding earning assets | 0.5555% | 4,050 |
| Net interest margin | 3.3766% | 2,506 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.7575% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7214% | 768 |
| Return on assets (ROA) | 1.7214% | 758 |
| Pretax return on assets | 1.8024% | 1,007 |
| Return on Equity (ROE) | 28.1600% | 269 |
| Retained earnings to average equity (ytd only) | 22.3522% | 182 |
| Net charge-offs to loans | 0.0043% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,016.0000% | 156 |
| Efficiency ratio | 49.3688% | 3,958 |
| Assets per employee ($millions) | 7.6195% | 1,556 |
| Cash dividends to net income (ytd only)* | 20.6115% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,244 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.8200% | 3,881 |
| Net loans and leases to deposits | 60.0740% | 3,500 |
| Net loans and leases to core deposits | 65.5949% | 3,451 |
| Total domestic deposits to total assets | 74.6100% | 4,115 |
| Equity capital to assets | 6.1623% | 3,929 |
| Core capital (leverage) ratio | 12.1151% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $225,470,750 | 2,824 |
| Average earning assets | $219,622,000 | 2,755 |
| Average equity | $13,785,000 | 3,354 |
| Average total loans | $93,440,000 | 3,252 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,876 |
| Cost of funding earning assets | 0.4541% | 4,075 |
| Net interest margin | 3.4415% | 2,414 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.7402% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7881% | 675 |
| Return on assets (ROA) | 1.7881% | 670 |
| Pretax return on assets | 1.8727% | 898 |
| Return on Equity (ROE) | 29.3200% | 228 |
| Retained earnings to average equity (ytd only) | 23.6039% | 152 |
| Net charge-offs to loans | 0.0065% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 716.3333% | 208 |
| Efficiency ratio | 48.1669% | 4,054 |
| Assets per employee ($millions) | 7.7941% | 1,420 |
| Cash dividends to net income (ytd only)* | 19.4932% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 42.4900% | 3,946 |
| Net loans and leases to deposits | 58.7603% | 3,496 |
| Net loans and leases to core deposits | 64.0332% | 3,448 |
| Total domestic deposits to total assets | 72.3100% | 4,282 |
| Equity capital to assets | 6.5681% | 3,969 |
| Core capital (leverage) ratio | 11.1032% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $229,512,000 | 2,813 |
| Average earning assets | $223,742,000 | 2,741 |
| Average equity | $13,997,667 | 3,356 |
| Average total loans | $92,243,333 | 3,266 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 3,975 |
| Cost of funding earning assets | 0.3279% | 4,129 |
| Net interest margin | 3.4045% | 2,622 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.5786% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8984% | 575 |
| Return on assets (ROA) | 1.8984% | 571 |
| Pretax return on assets | 1.9885% | 796 |
| Return on Equity (ROE) | 32.2800% | 191 |
| Retained earnings to average equity (ytd only) | 32.2788% | 95 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.2537% | 4,292 |
| Assets per employee ($millions) | 8.3248% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 1,150 |
| Loan loss allowance to noncurrent loans | 15,677.7778% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,870 |
| Noncurrent loans to loans | 0.0098% | 3,757 |
| Net loans and leases to total assets | 38.7000% | 4,092 |
| Net loans and leases to deposits | 53.0799% | 3,732 |
| Net loans and leases to core deposits | 57.1769% | 3,678 |
| Total domestic deposits to total assets | 72.9000% | 4,322 |
| Equity capital to assets | 6.4326% | 4,054 |
| Core capital (leverage) ratio | 10.6744% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $235,150,500 | 2,819 |
| Average earning assets | $229,343,500 | 2,740 |
| Average equity | $13,829,500 | 3,407 |
| Average total loans | $91,296,000 | 3,314 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0773% | 4,031 |
| Cost of funding earning assets | 0.2264% | 3,538 |
| Net interest margin | 2.8510% | 3,792 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 1.6009% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6651% | 586 |
| Return on assets (ROA) | 1.5598% | 724 |
| Pretax return on assets | 1.6374% | 1,065 |
| Return on Equity (ROE) | 24.7600% | 222 |
| Retained earnings to average equity (ytd only) | 18.1716% | 133 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.7997% | 4,250 |
| Assets per employee ($millions) | 8.4717% | 1,101 |
| Cash dividends to net income (ytd only)* | 26.6170% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,076 |
| Loan loss allowance to noncurrent loans | 15,677.7778% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,897 |
| Noncurrent loans to loans | 0.0099% | 3,775 |
| Net loans and leases to total assets | 37.7600% | 4,152 |
| Net loans and leases to deposits | 51.3442% | 3,839 |
| Net loans and leases to core deposits | 55.1170% | 3,759 |
| Total domestic deposits to total assets | 73.5500% | 4,372 |
| Equity capital to assets | 5.3392% | 4,281 |
| Core capital (leverage) ratio | 10.0045% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $240,868,200 | 2,778 |
| Average earning assets | $235,007,600 | 2,705 |
| Average equity | $15,172,000 | 3,352 |
| Average total loans | $85,775,200 | 3,337 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8586% | 4,118 |
| Cost of funding earning assets | 0.2062% | 3,200 |
| Net interest margin | 2.6524% | 4,021 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 1.5771% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6014% | 656 |
| Return on assets (ROA) | 1.4972% | 841 |
| Pretax return on assets | 1.5716% | 1,198 |
| Return on Equity (ROE) | 22.9100% | 258 |
| Retained earnings to average equity (ytd only) | 17.8491% | 169 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.4007% | 4,251 |
| Assets per employee ($millions) | 8.5603% | 1,040 |
| Cash dividends to net income (ytd only)* | 22.0994% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 1,130 |
| Loan loss allowance to noncurrent loans | 5,426.9231% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,871 |
| Noncurrent loans to loans | 0.0289% | 3,690 |
| Net loans and leases to total assets | 36.9600% | 4,187 |
| Net loans and leases to deposits | 50.8439% | 3,797 |
| Net loans and leases to core deposits | 54.5899% | 3,714 |
| Total domestic deposits to total assets | 72.7000% | 4,493 |
| Equity capital to assets | 4.4195% | 4,416 |
| Core capital (leverage) ratio | 9.5718% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $241,783,250 | 2,793 |
| Average earning assets | $236,004,750 | 2,715 |
| Average equity | $15,798,750 | 3,335 |
| Average total loans | $84,472,750 | 3,362 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6402% | 4,232 |
| Cost of funding earning assets | 0.1900% | 3,050 |
| Net interest margin | 2.4501% | 4,161 |
| Noninterest income to average assets | 0.8669% | 911 |
| Noninterest expense to average assets | 1.5300% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6472% | 490 |
| Return on assets (ROA) | 1.4912% | 711 |
| Pretax return on assets | 1.5655% | 1,017 |
| Return on Equity (ROE) | 20.6228% | 267 |
| Retained earnings to average equity (ytd only) | 16.0602% | 185 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9383% | 4,398 |
| Assets per employee ($millions) | 8.3492% | 1,138 |
| Cash dividends to net income (ytd only)* | 22.1239% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.1211% | 4,329 |
| Net loans and leases to deposits | 45.7509% | 4,039 |
| Net loans and leases to core deposits | 48.9942% | 3,979 |
| Total domestic deposits to total assets | 74.5802% | 4,518 |
| Equity capital to assets | 5.4038% | 4,395 |
| Core capital (leverage) ratio | 9.0495% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,481,667 | 2,813 |
| Average earning assets | $236,803,000 | 2,743 |
| Average equity | $17,534,000 | 3,272 |
| Average total loans | $82,628,333 | 3,418 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4876% | 4,280 |
| Cost of funding earning assets | 0.1840% | 3,030 |
| Net interest margin | 2.3037% | 4,231 |
| Noninterest income to average assets | 0.2753% | 3,492 |
| Noninterest expense to average assets | 1.5380% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9395% | 2,112 |
| Return on assets (ROA) | 0.6247% | 3,293 |
| Pretax return on assets | 0.6561% | 3,504 |
| Return on Equity (ROE) | 7.6725% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.6725% | 1,683 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9008% | 3,384 |
| Assets per employee ($millions) | 8.3702% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 934 |
| Loan loss allowance to noncurrent loans | 28,220.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,096 |
| Noncurrent loans to loans | 0.0063% | 3,984 |
| Net loans and leases to total assets | 32.3364% | 4,365 |
| Net loans and leases to deposits | 45.5570% | 4,000 |
| Net loans and leases to core deposits | 48.9526% | 3,931 |
| Total domestic deposits to total assets | 70.9800% | 4,644 |
| Equity capital to assets | 7.0183% | 4,206 |
| Core capital (leverage) ratio | 8.6370% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,659,500 | 2,826 |
| Average earning assets | $237,011,000 | 2,754 |
| Average equity | $19,759,000 | 3,164 |
| Average total loans | $81,929,000 | 3,436 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1286% | 3,628 |
| Cost of funding earning assets | 0.2234% | 3,215 |
| Net interest margin | 2.9052% | 3,427 |
| Noninterest income to average assets | 0.3070% | 3,568 |
| Noninterest expense to average assets | 1.6535% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4170% | 1,224 |
| Return on assets (ROA) | 1.4635% | 1,161 |
| Pretax return on assets | 1.5364% | 1,608 |
| Return on Equity (ROE) | 14.1416% | 1,143 |
| Retained earnings to average equity (ytd only) | 3.1693% | 3,558 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6418% | 4,069 |
| Assets per employee ($millions) | 8.0861% | 1,287 |
| Cash dividends to net income (ytd only)* | 77.5888% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 1,087 |
| Loan loss allowance to noncurrent loans | 14,110.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,134 |
| Noncurrent loans to loans | 0.0119% | 4,006 |
| Net loans and leases to total assets | 34.0271% | 4,374 |
| Net loans and leases to deposits | 47.1933% | 4,038 |
| Net loans and leases to core deposits | 50.6529% | 3,983 |
| Total domestic deposits to total assets | 72.1015% | 4,641 |
| Equity capital to assets | 9.2678% | 3,353 |
| Core capital (leverage) ratio | 8.8603% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,971,600 | 2,852 |
| Average earning assets | $223,359,400 | 2,785 |
| Average equity | $23,696,000 | 2,931 |
| Average total loans | $78,507,000 | 3,506 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 3,420 |
| Cost of funding earning assets | 0.2333% | 3,284 |
| Net interest margin | 3.0546% | 3,164 |
| Noninterest income to average assets | 0.3127% | 3,554 |
| Noninterest expense to average assets | 1.6621% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5525% | 1,141 |
| Return on assets (ROA) | 1.6030% | 1,067 |
| Pretax return on assets | 1.6828% | 1,450 |
| Return on Equity (ROE) | 15.0666% | 1,127 |
| Retained earnings to average equity (ytd only) | 4.7889% | 3,295 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4938% | 4,177 |
| Assets per employee ($millions) | 7.9801% | 1,276 |
| Cash dividends to net income (ytd only)* | 68.2153% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.4794% | 4,489 |
| Net loans and leases to deposits | 48.2447% | 4,103 |
| Net loans and leases to core deposits | 51.8792% | 4,045 |
| Total domestic deposits to total assets | 69.3950% | 4,747 |
| Equity capital to assets | 10.2427% | 2,662 |
| Core capital (leverage) ratio | 9.0087% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,568,750 | 2,903 |
| Average earning assets | $219,993,500 | 2,837 |
| Average equity | $23,999,500 | 2,941 |
| Average total loans | $77,145,000 | 3,576 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 2,698 |
| Cost of funding earning assets | 0.2439% | 3,336 |
| Net interest margin | 3.3329% | 2,344 |
| Noninterest income to average assets | 0.3121% | 3,562 |
| Noninterest expense to average assets | 1.6162% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8545% | 644 |
| Return on assets (ROA) | 1.9310% | 575 |
| Pretax return on assets | 2.0276% | 796 |
| Return on Equity (ROE) | 17.9185% | 665 |
| Retained earnings to average equity (ytd only) | 8.7891% | 1,782 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3564% | 4,552 |
| Assets per employee ($millions) | 7.7365% | 1,336 |
| Cash dividends to net income (ytd only)* | 50.9495% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 33.0923% | 4,559 |
| Net loans and leases to deposits | 47.9139% | 4,224 |
| Net loans and leases to core deposits | 51.6975% | 4,147 |
| Total domestic deposits to total assets | 69.0662% | 4,777 |
| Equity capital to assets | 10.3617% | 2,528 |
| Core capital (leverage) ratio | 9.4400% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,617,333 | 2,914 |
| Average earning assets | $218,128,667 | 2,845 |
| Average equity | $24,098,000 | 2,931 |
| Average total loans | $76,563,333 | 3,611 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 1,626 |
| Cost of funding earning assets | 0.2562% | 3,420 |
| Net interest margin | 3.7365% | 1,255 |
| Noninterest income to average assets | 0.3173% | 3,503 |
| Noninterest expense to average assets | 1.6483% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2019% | 414 |
| Return on assets (ROA) | 2.3959% | 342 |
| Pretax return on assets | 2.5162% | 426 |
| Return on Equity (ROE) | 21.7888% | 409 |
| Retained earnings to average equity (ytd only) | 21.7888% | 219 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6206% | 4,683 |
| Assets per employee ($millions) | 8.0187% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 34.0209% | 4,574 |
| Net loans and leases to deposits | 47.6156% | 4,275 |
| Net loans and leases to core deposits | 51.4059% | 4,222 |
| Total domestic deposits to total assets | 71.4489% | 4,733 |
| Equity capital to assets | 10.6483% | 2,133 |
| Core capital (leverage) ratio | 9.9264% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,378,000 | 2,932 |
| Average earning assets | $213,889,500 | 2,865 |
| Average equity | $24,122,500 | 2,921 |
| Average total loans | $75,736,500 | 3,640 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 3,612 |
| Cost of funding earning assets | 0.3619% | 3,810 |
| Net interest margin | 3.3239% | 3,008 |
| Noninterest income to average assets | 0.3461% | 3,393 |
| Noninterest expense to average assets | 1.9097% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5876% | 662 |
| Return on assets (ROA) | 1.5910% | 710 |
| Pretax return on assets | 1.6705% | 903 |
| Return on Equity (ROE) | 13.6606% | 894 |
| Retained earnings to average equity (ytd only) | 3.4595% | 3,101 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3940% | 4,270 |
| Assets per employee ($millions) | 7.1411% | 1,486 |
| Cash dividends to net income (ytd only)* | 74.6753% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.7326% | 4,656 |
| Net loans and leases to deposits | 47.0402% | 4,428 |
| Net loans and leases to core deposits | 50.7818% | 4,393 |
| Total domestic deposits to total assets | 71.7101% | 4,724 |
| Equity capital to assets | 11.3601% | 1,984 |
| Core capital (leverage) ratio | 9.7922% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,590,200 | 2,996 |
| Average earning assets | $188,153,000 | 2,926 |
| Average equity | $22,546,600 | 2,972 |
| Average total loans | $75,598,400 | 3,632 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 3,319 |
| Cost of funding earning assets | 0.3875% | 3,883 |
| Net interest margin | 3.4941% | 2,609 |
| Noninterest income to average assets | 0.3524% | 3,344 |
| Noninterest expense to average assets | 1.9713% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6907% | 586 |
| Return on assets (ROA) | 1.6954% | 641 |
| Pretax return on assets | 1.7803% | 812 |
| Return on Equity (ROE) | 14.4558% | 803 |
| Retained earnings to average equity (ytd only) | 4.5008% | 2,796 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6157% | 4,286 |
| Assets per employee ($millions) | 7.0105% | 1,495 |
| Cash dividends to net income (ytd only)* | 68.8648% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 728 |
| Loan loss allowance to noncurrent loans | 47,033.3333% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,530 |
| Noncurrent loans to loans | 0.0038% | 4,444 |
| Net loans and leases to total assets | 37.8955% | 4,616 |
| Net loans and leases to deposits | 52.2032% | 4,405 |
| Net loans and leases to core deposits | 56.5349% | 4,362 |
| Total domestic deposits to total assets | 72.5923% | 4,665 |
| Equity capital to assets | 11.9452% | 1,711 |
| Core capital (leverage) ratio | 10.1013% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,429,750 | 3,025 |
| Average earning assets | $183,044,750 | 2,951 |
| Average equity | $22,099,000 | 2,994 |
| Average total loans | $76,078,750 | 3,639 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,162 |
| Cost of funding earning assets | 0.4108% | 3,993 |
| Net interest margin | 3.6491% | 2,319 |
| Noninterest income to average assets | 0.3325% | 3,476 |
| Noninterest expense to average assets | 1.9850% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8012% | 500 |
| Return on assets (ROA) | 1.8085% | 540 |
| Pretax return on assets | 1.8989% | 673 |
| Return on Equity (ROE) | 15.5262% | 631 |
| Retained earnings to average equity (ytd only) | 5.2316% | 2,371 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2092% | 4,414 |
| Assets per employee ($millions) | 6.5961% | 1,708 |
| Cash dividends to net income (ytd only)* | 66.3050% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 634 |
| Loan loss allowance to noncurrent loans | 47,033.3333% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,592 |
| Noncurrent loans to loans | 0.0039% | 4,507 |
| Net loans and leases to total assets | 38.5573% | 4,649 |
| Net loans and leases to deposits | 51.9087% | 4,452 |
| Net loans and leases to core deposits | 56.1291% | 4,427 |
| Total domestic deposits to total assets | 74.2791% | 4,572 |
| Equity capital to assets | 12.0011% | 1,656 |
| Core capital (leverage) ratio | 10.3435% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,471,667 | 3,046 |
| Average earning assets | $178,180,000 | 2,974 |
| Average equity | $21,370,333 | 3,041 |
| Average total loans | $75,287,000 | 3,661 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 3,882 |
| Cost of funding earning assets | 0.4561% | 4,131 |
| Net interest margin | 3.5105% | 2,942 |
| Noninterest income to average assets | 0.3744% | 3,269 |
| Noninterest expense to average assets | 2.1104% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5902% | 637 |
| Return on assets (ROA) | 1.5794% | 719 |
| Pretax return on assets | 1.6589% | 928 |
| Return on Equity (ROE) | 13.7948% | 741 |
| Retained earnings to average equity (ytd only) | 13.7948% | 268 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8223% | 4,223 |
| Assets per employee ($millions) | 5.7634% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 596 |
| Loan loss allowance to noncurrent loans | 47,033.3333% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,644 |
| Noncurrent loans to loans | 0.0041% | 4,563 |
| Net loans and leases to total assets | 40.6459% | 4,642 |
| Net loans and leases to deposits | 54.6751% | 4,415 |
| Net loans and leases to core deposits | 59.6311% | 4,374 |
| Total domestic deposits to total assets | 74.3408% | 4,634 |
| Equity capital to assets | 11.2115% | 2,669 |
| Core capital (leverage) ratio | 11.4132% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,266,500 | 3,072 |
| Average earning assets | $171,032,000 | 3,010 |
| Average equity | $20,181,500 | 3,152 |
| Average total loans | $74,076,000 | 3,682 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 4,235 |
| Cost of funding earning assets | 0.4762% | 4,184 |
| Net interest margin | 3.5355% | 3,326 |
| Noninterest income to average assets | 0.3477% | 3,620 |
| Noninterest expense to average assets | 2.1066% | 4,354 |
| Loan and lease loss provision to assets | 0.0171% | 3,675 |
| Net operating income to assets | 1.5743% | 886 |
| Return on assets (ROA) | 1.5585% | 980 |
| Pretax return on assets | 1.6362% | 1,385 |
| Return on Equity (ROE) | 14.4628% | 803 |
| Retained earnings to average equity (ytd only) | 2.2780% | 3,877 |
| Net charge-offs to loans | 0.0285% | 2,828 |
| Credit loss provision to net charge-offs | 142.8571% | 1,797 |
| Earnings coverage of net charge-offs (x) | 139.2857% | 524 |
| Efficiency ratio | 55.7823% | 4,232 |
| Assets per employee ($millions) | 5.6086% | 1,966 |
| Cash dividends to net income (ytd only)* | 84.2491% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 41.8191% | 4,678 |
| Net loans and leases to deposits | 55.2747% | 4,488 |
| Net loans and leases to core deposits | 60.3473% | 4,424 |
| Total domestic deposits to total assets | 75.6568% | 4,640 |
| Equity capital to assets | 11.6939% | 2,356 |
| Core capital (leverage) ratio | 11.0533% | 2,456 |
| Tier 1 risk-based capital ratio | 17.0568% | 2,036 |
| Total risk-based capital ratio | 18.2963% | 1,980 |
| Memoranda: | ||
| Average total assets | $175,165,000 | 3,065 |
| Average earning assets | $169,878,000 | 2,990 |
| Average equity | $18,876,000 | 3,236 |
| Average total loans | $73,770,800 | 3,708 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 4,339 |
| Cost of funding earning assets | 0.4731% | 4,252 |
| Net interest margin | 3.5405% | 3,436 |
| Noninterest income to average assets | 0.3411% | 3,686 |
| Noninterest expense to average assets | 2.1380% | 4,297 |
| Loan and lease loss provision to assets | 0.0228% | 3,451 |
| Net operating income to assets | 1.5373% | 1,097 |
| Return on assets (ROA) | 1.5142% | 1,210 |
| Pretax return on assets | 1.5902% | 1,672 |
| Return on Equity (ROE) | 14.3543% | 916 |
| Retained earnings to average equity (ytd only) | 2.4704% | 4,106 |
| Net charge-offs to loans | 0.0398% | 2,297 |
| Credit loss provision to net charge-offs | 136.3636% | 1,757 |
| Earnings coverage of net charge-offs (x) | 97.9632% | 762 |
| Efficiency ratio | 56.6311% | 4,103 |
| Assets per employee ($millions) | 5.5325% | 2,000 |
| Cash dividends to net income (ytd only)* | 82.7899% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.9035% | 4,752 |
| Net loans and leases to deposits | 56.0926% | 4,546 |
| Net loans and leases to core deposits | 61.1775% | 4,493 |
| Total domestic deposits to total assets | 74.7041% | 4,768 |
| Equity capital to assets | 11.6515% | 2,561 |
| Core capital (leverage) ratio | 11.1363% | 2,526 |
| Tier 1 risk-based capital ratio | 17.1034% | 2,050 |
| Total risk-based capital ratio | 18.3510% | 2,006 |
| Memoranda: | ||
| Average total assets | $175,489,250 | 3,097 |
| Average earning assets | $170,218,000 | 3,006 |
| Average equity | $18,512,000 | 3,299 |
| Average total loans | $73,683,250 | 3,747 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 4,419 |
| Cost of funding earning assets | 0.4604% | 4,283 |
| Net interest margin | 3.5175% | 3,537 |
| Noninterest income to average assets | 0.3292% | 3,740 |
| Noninterest expense to average assets | 2.0914% | 4,431 |
| Loan and lease loss provision to assets | 0.0339% | 3,148 |
| Net operating income to assets | 1.5406% | 1,030 |
| Return on assets (ROA) | 1.4761% | 1,267 |
| Pretax return on assets | 1.5496% | 1,701 |
| Return on Equity (ROE) | 14.4826% | 876 |
| Retained earnings to average equity (ytd only) | 2.2750% | 4,024 |
| Net charge-offs to loans | 0.0596% | 1,794 |
| Credit loss provision to net charge-offs | 136.3636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 66.3636% | 932 |
| Efficiency ratio | 55.8779% | 4,256 |
| Assets per employee ($millions) | 5.2994% | 2,155 |
| Cash dividends to net income (ytd only)* | 84.2912% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.0335% | 4,819 |
| Net loans and leases to deposits | 55.0455% | 4,630 |
| Net loans and leases to core deposits | 59.6892% | 4,583 |
| Total domestic deposits to total assets | 74.5447% | 4,796 |
| Equity capital to assets | 10.9441% | 3,130 |
| Core capital (leverage) ratio | 10.8778% | 2,712 |
| Tier 1 risk-based capital ratio | 15.9750% | 2,426 |
| Total risk-based capital ratio | 17.1486% | 2,398 |
| Memoranda: | ||
| Average total assets | $176,817,000 | 3,091 |
| Average earning assets | $171,597,670 | 3,005 |
| Average equity | $18,021,670 | 3,350 |
| Average total loans | $73,818,670 | 3,766 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,515 |
| Cost of funding earning assets | 0.4521% | 4,276 |
| Net interest margin | 3.4681% | 3,685 |
| Noninterest income to average assets | 0.3240% | 3,692 |
| Noninterest expense to average assets | 2.1397% | 4,398 |
| Loan and lease loss provision to assets | 0.0337% | 2,954 |
| Net operating income to assets | 1.4444% | 1,252 |
| Return on assets (ROA) | 1.4444% | 1,281 |
| Pretax return on assets | 1.5164% | 1,712 |
| Return on Equity (ROE) | 14.7054% | 811 |
| Retained earnings to average equity (ytd only) | 14.7054% | 298 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9878% | 4,078 |
| Assets per employee ($millions) | 5.5698% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 571 |
| Loan loss allowance to noncurrent loans | 5,668.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,799 |
| Noncurrent loans to loans | 0.0340% | 4,618 |
| Net loans and leases to total assets | 40.5152% | 4,874 |
| Net loans and leases to deposits | 54.0214% | 4,678 |
| Net loans and leases to core deposits | 58.4506% | 4,626 |
| Total domestic deposits to total assets | 74.9983% | 4,859 |
| Equity capital to assets | 10.3343% | 3,490 |
| Core capital (leverage) ratio | 11.0869% | 2,493 |
| Tier 1 risk-based capital ratio | 15.0788% | 2,853 |
| Total risk-based capital ratio | 16.1673% | 2,840 |
| Memoranda: | ||
| Average total assets | $177,786,000 | 3,111 |
| Average earning assets | $172,545,500 | 3,030 |
| Average equity | $17,463,000 | 3,426 |
| Average total loans | $74,143,500 | 3,799 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 4,269 |
| Cost of funding earning assets | 0.3285% | 4,420 |
| Net interest margin | 3.5741% | 3,470 |
| Noninterest income to average assets | 0.3677% | 3,638 |
| Noninterest expense to average assets | 2.0297% | 4,701 |
| Loan and lease loss provision to assets | 0.1824% | 1,066 |
| Net operating income to assets | 1.5391% | 1,021 |
| Return on assets (ROA) | 1.5240% | 1,041 |
| Pretax return on assets | 1.6009% | 1,469 |
| Return on Equity (ROE) | 15.9291% | 647 |
| Retained earnings to average equity (ytd only) | 3.4147% | 3,714 |
| Net charge-offs to loans | -0.0101% | 4,491 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0077% | 4,717 |
| Assets per employee ($millions) | 5.7206% | 1,752 |
| Cash dividends to net income (ytd only)* | 78.5634% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 595 |
| Loan loss allowance to noncurrent loans | 604.3103% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,169 |
| Noncurrent loans to loans | 0.3107% | 3,439 |
| Net loans and leases to total assets | 41.3088% | 4,902 |
| Net loans and leases to deposits | 54.8479% | 4,713 |
| Net loans and leases to core deposits | 58.8660% | 4,674 |
| Total domestic deposits to total assets | 75.3152% | 4,837 |
| Equity capital to assets | 9.3081% | 4,316 |
| Core capital (leverage) ratio | 10.7920% | 2,744 |
| Tier 1 risk-based capital ratio | 14.1965% | 3,206 |
| Total risk-based capital ratio | 15.2448% | 3,221 |
| Memoranda: | ||
| Average total assets | $175,399,200 | 3,108 |
| Average earning assets | $169,860,800 | 3,027 |
| Average equity | $16,780,600 | 3,426 |
| Average total loans | $79,520,200 | 3,678 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 4,312 |
| Cost of funding earning assets | 0.3006% | 4,511 |
| Net interest margin | 3.5536% | 3,512 |
| Noninterest income to average assets | 0.3598% | 3,728 |
| Noninterest expense to average assets | 2.0604% | 4,623 |
| Loan and lease loss provision to assets | 0.2058% | 823 |
| Net operating income to assets | 1.4622% | 1,296 |
| Return on assets (ROA) | 1.4513% | 1,324 |
| Pretax return on assets | 1.5245% | 1,821 |
| Return on Equity (ROE) | 15.0668% | 858 |
| Retained earnings to average equity (ytd only) | 2.8013% | 4,315 |
| Net charge-offs to loans | -0.0116% | 4,439 |
| Credit loss provision to net charge-offs | -3,857.1429% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1901% | 4,594 |
| Assets per employee ($millions) | 5.6471% | 1,779 |
| Cash dividends to net income (ytd only)* | 81.4079% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 935 |
| Loan loss allowance to noncurrent loans | 146.5293% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 2,562 |
| Noncurrent loans to loans | 1.1368% | 1,492 |
| Net loans and leases to total assets | 47.0752% | 4,750 |
| Net loans and leases to deposits | 60.0965% | 4,541 |
| Net loans and leases to core deposits | 64.5276% | 4,490 |
| Total domestic deposits to total assets | 78.3327% | 4,433 |
| Equity capital to assets | 9.5229% | 4,058 |
| Core capital (leverage) ratio | 10.9494% | 2,628 |
| Tier 1 risk-based capital ratio | 13.4514% | 3,654 |
| Total risk-based capital ratio | 14.4197% | 3,717 |
| Memoranda: | ||
| Average total assets | $174,914,000 | 3,139 |
| Average earning assets | $169,436,750 | 3,053 |
| Average equity | $16,849,000 | 3,435 |
| Average total loans | $80,735,500 | 3,682 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 4,412 |
| Cost of funding earning assets | 0.2848% | 4,535 |
| Net interest margin | 3.4866% | 3,679 |
| Noninterest income to average assets | 0.3497% | 3,827 |
| Noninterest expense to average assets | 1.9859% | 4,824 |
| Loan and lease loss provision to assets | 0.1358% | 1,447 |
| Net operating income to assets | 1.5310% | 1,074 |
| Return on assets (ROA) | 1.5310% | 1,077 |
| Pretax return on assets | 1.6079% | 1,479 |
| Return on Equity (ROE) | 15.8360% | 704 |
| Retained earnings to average equity (ytd only) | 3.5464% | 3,824 |
| Net charge-offs to loans | -0.0149% | 4,457 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2464% | 4,760 |
| Assets per employee ($millions) | 5.5196% | 1,866 |
| Cash dividends to net income (ytd only)* | 77.6053% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,395 |
| Loan loss allowance to noncurrent loans | 126.7159% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,623 |
| Noncurrent loans to loans | 1.1841% | 1,464 |
| Net loans and leases to total assets | 44.6019% | 4,881 |
| Net loans and leases to deposits | 57.0399% | 4,695 |
| Net loans and leases to core deposits | 61.0685% | 4,651 |
| Total domestic deposits to total assets | 78.1942% | 4,553 |
| Equity capital to assets | 9.2070% | 4,377 |
| Core capital (leverage) ratio | 10.5529% | 2,979 |
| Tier 1 risk-based capital ratio | 12.0991% | 4,443 |
| Total risk-based capital ratio | 12.8748% | 4,604 |
| Memoranda: | ||
| Average total assets | $176,748,000 | 3,131 |
| Average earning assets | $171,343,330 | 3,051 |
| Average equity | $17,087,670 | 3,437 |
| Average total loans | $80,613,330 | 3,698 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,366 |
| Cost of funding earning assets | 0.2778% | 4,524 |
| Net interest margin | 3.4689% | 3,646 |
| Noninterest income to average assets | 0.3416% | 3,864 |
| Noninterest expense to average assets | 2.0700% | 4,725 |
| Loan and lease loss provision to assets | 0.0339% | 3,051 |
| Net operating income to assets | 1.5226% | 1,028 |
| Return on assets (ROA) | 1.5226% | 1,029 |
| Pretax return on assets | 1.5995% | 1,396 |
| Return on Equity (ROE) | 15.3824% | 734 |
| Retained earnings to average equity (ytd only) | 15.3824% | 297 |
| Net charge-offs to loans | -0.0148% | 4,412 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8949% | 4,595 |
| Assets per employee ($millions) | 5.7130% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,903 |
| Loan loss allowance to noncurrent loans | 282.9016% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,810 |
| Noncurrent loans to loans | 0.4890% | 3,054 |
| Net loans and leases to total assets | 43.9569% | 4,899 |
| Net loans and leases to deposits | 55.8955% | 4,695 |
| Net loans and leases to core deposits | 59.8070% | 4,668 |
| Total domestic deposits to total assets | 78.6412% | 4,635 |
| Equity capital to assets | 9.6588% | 3,933 |
| Core capital (leverage) ratio | 10.8143% | 2,619 |
| Tier 1 risk-based capital ratio | 12.7827% | 4,067 |
| Total risk-based capital ratio | 13.5140% | 4,291 |
| Memoranda: | ||
| Average total assets | $176,808,500 | 3,165 |
| Average earning assets | $171,351,500 | 3,079 |
| Average equity | $17,500,500 | 3,417 |
| Average total loans | $80,930,500 | 3,733 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5255% | 4,746 |
| Cost of funding earning assets | 0.2775% | 4,344 |
| Net interest margin | 3.2480% | 4,312 |
| Noninterest income to average assets | 0.3468% | 3,984 |
| Noninterest expense to average assets | 1.9776% | 4,998 |
| Loan and lease loss provision to assets | 0.0507% | 3,208 |
| Net operating income to assets | 1.3977% | 1,025 |
| Return on assets (ROA) | 1.4164% | 1,000 |
| Pretax return on assets | 1.4879% | 1,692 |
| Return on Equity (ROE) | 13.8774% | 776 |
| Retained earnings to average equity (ytd only) | 0.6398% | 4,785 |
| Net charge-offs to loans | 0.0296% | 3,207 |
| Credit loss provision to net charge-offs | 360.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 107.9200% | 615 |
| Efficiency ratio | 56.5609% | 4,708 |
| Assets per employee ($millions) | 5.3489% | 2,106 |
| Cash dividends to net income (ytd only)* | 95.3895% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,239 |
| Loan loss allowance to noncurrent loans | 80.8126% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 2,061 |
| Noncurrent loans to loans | 1.6027% | 1,043 |
| Net loans and leases to total assets | 46.3680% | 4,866 |
| Net loans and leases to deposits | 59.7355% | 4,583 |
| Net loans and leases to core deposits | 63.9882% | 4,533 |
| Total domestic deposits to total assets | 77.6222% | 4,774 |
| Equity capital to assets | 10.1380% | 3,547 |
| Core capital (leverage) ratio | 10.3388% | 3,030 |
| Tier 1 risk-based capital ratio | 13.7537% | 3,495 |
| Total risk-based capital ratio | 14.5559% | 3,652 |
| Memoranda: | ||
| Average total assets | $177,635,600 | 3,149 |
| Average earning assets | $172,261,600 | 3,043 |
| Average equity | $18,130,200 | 3,346 |
| Average total loans | $84,517,000 | 3,645 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4794% | 4,843 |
| Cost of funding earning assets | 0.2734% | 4,375 |
| Net interest margin | 3.2060% | 4,436 |
| Noninterest income to average assets | 0.3485% | 4,043 |
| Noninterest expense to average assets | 1.9282% | 5,096 |
| Loan and lease loss provision to assets | 0.0674% | 2,721 |
| Net operating income to assets | 1.3936% | 1,102 |
| Return on assets (ROA) | 1.4171% | 1,083 |
| Pretax return on assets | 1.4883% | 1,810 |
| Return on Equity (ROE) | 13.8615% | 864 |
| Retained earnings to average equity (ytd only) | 1.0336% | 4,965 |
| Net charge-offs to loans | 0.0157% | 3,208 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 204.3458% | 426 |
| Efficiency ratio | 55.7409% | 4,774 |
| Assets per employee ($millions) | 5.8685% | 1,593 |
| Cash dividends to net income (ytd only)* | 92.5438% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,328 |
| Loan loss allowance to noncurrent loans | 180.5970% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,638 |
| Noncurrent loans to loans | 0.7234% | 2,546 |
| Net loans and leases to total assets | 46.7283% | 4,897 |
| Net loans and leases to deposits | 61.4975% | 4,557 |
| Net loans and leases to core deposits | 65.7773% | 4,495 |
| Total domestic deposits to total assets | 75.9841% | 5,016 |
| Equity capital to assets | 10.5644% | 3,297 |
| Core capital (leverage) ratio | 10.5171% | 2,970 |
| Tier 1 risk-based capital ratio | 12.1911% | 4,504 |
| Total risk-based capital ratio | 12.9117% | 4,737 |
| Memoranda: | ||
| Average total assets | $177,916,000 | 3,170 |
| Average earning assets | $172,630,500 | 3,067 |
| Average equity | $18,189,000 | 3,367 |
| Average total loans | $84,916,250 | 3,663 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 4,924 |
| Cost of funding earning assets | 0.2712% | 4,366 |
| Net interest margin | 3.1539% | 4,535 |
| Noninterest income to average assets | 0.3405% | 4,115 |
| Noninterest expense to average assets | 1.8584% | 5,244 |
| Loan and lease loss provision to assets | 0.0672% | 2,622 |
| Net operating income to assets | 1.4052% | 1,056 |
| Return on assets (ROA) | 1.4137% | 1,054 |
| Pretax return on assets | 1.4854% | 1,702 |
| Return on Equity (ROE) | 13.9816% | 814 |
| Retained earnings to average equity (ytd only) | 1.7948% | 4,534 |
| Net charge-offs to loans | 0.0023% | 3,428 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,378.0000% | 42 |
| Efficiency ratio | 54.6263% | 4,959 |
| Assets per employee ($millions) | 5.9126% | 1,518 |
| Cash dividends to net income (ytd only)* | 87.1632% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,485 |
| Loan loss allowance to noncurrent loans | 97.6234% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 2,718 |
| Noncurrent loans to loans | 1.3171% | 1,469 |
| Net loans and leases to total assets | 46.2267% | 4,941 |
| Net loans and leases to deposits | 60.8821% | 4,570 |
| Net loans and leases to core deposits | 65.2569% | 4,524 |
| Total domestic deposits to total assets | 75.9282% | 5,103 |
| Equity capital to assets | 10.4630% | 3,391 |
| Core capital (leverage) ratio | 10.3068% | 3,139 |
| Tier 1 risk-based capital ratio | 12.2109% | 4,483 |
| Total risk-based capital ratio | 12.9179% | 4,738 |
| Memoranda: | ||
| Average total assets | $178,536,670 | 3,176 |
| Average earning assets | $173,306,670 | 3,069 |
| Average equity | $18,052,330 | 3,387 |
| Average total loans | $85,436,330 | 3,669 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 5,023 |
| Cost of funding earning assets | 0.2716% | 4,341 |
| Net interest margin | 3.0838% | 4,701 |
| Noninterest income to average assets | 0.3394% | 4,129 |
| Noninterest expense to average assets | 1.9071% | 5,224 |
| Loan and lease loss provision to assets | 0.0670% | 2,467 |
| Net operating income to assets | 1.2923% | 1,260 |
| Return on assets (ROA) | 1.2796% | 1,329 |
| Pretax return on assets | 1.3444% | 2,079 |
| Return on Equity (ROE) | 12.8771% | 1,023 |
| Retained earnings to average equity (ytd only) | 12.8771% | 385 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2386% | 4,806 |
| Assets per employee ($millions) | 6.1979% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,962 |
| Loan loss allowance to noncurrent loans | 82.4603% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 2,539 |
| Noncurrent loans to loans | 1.4876% | 1,349 |
| Net loans and leases to total assets | 46.5461% | 4,916 |
| Net loans and leases to deposits | 61.3031% | 4,475 |
| Net loans and leases to core deposits | 65.6453% | 4,447 |
| Total domestic deposits to total assets | 75.9277% | 5,238 |
| Equity capital to assets | 10.1603% | 3,560 |
| Core capital (leverage) ratio | 10.5803% | 2,813 |
| Tier 1 risk-based capital ratio | 12.7060% | 4,255 |
| Total risk-based capital ratio | 13.4056% | 4,513 |
| Memoranda: | ||
| Average total assets | $179,116,000 | 3,195 |
| Average earning assets | $173,809,500 | 3,089 |
| Average equity | $17,799,000 | 3,434 |
| Average total loans | $86,622,500 | 3,669 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3586% | 5,058 |
| Cost of funding earning assets | 0.2911% | 4,162 |
| Net interest margin | 3.0675% | 4,806 |
| Noninterest income to average assets | 0.3778% | 4,049 |
| Noninterest expense to average assets | 1.9166% | 5,341 |
| Loan and lease loss provision to assets | 0.0281% | 3,797 |
| Net operating income to assets | 1.3336% | 1,131 |
| Return on assets (ROA) | 1.3827% | 1,086 |
| Pretax return on assets | 1.4540% | 1,738 |
| Return on Equity (ROE) | 13.3017% | 924 |
| Retained earnings to average equity (ytd only) | 1.1503% | 4,833 |
| Net charge-offs to loans | 0.0023% | 4,193 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 1,274.0000% | 49 |
| Efficiency ratio | 57.2627% | 4,928 |
| Assets per employee ($millions) | 5.7579% | 1,656 |
| Cash dividends to net income (ytd only)* | 91.3520% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,491 |
| Loan loss allowance to noncurrent loans | 78.3994% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 2,570 |
| Noncurrent loans to loans | 1.4535% | 1,394 |
| Net loans and leases to total assets | 49.0414% | 4,832 |
| Net loans and leases to deposits | 64.2428% | 4,396 |
| Net loans and leases to core deposits | 68.8008% | 4,339 |
| Total domestic deposits to total assets | 76.3376% | 5,202 |
| Equity capital to assets | 9.7124% | 4,050 |
| Core capital (leverage) ratio | 10.1878% | 3,240 |
| Tier 1 risk-based capital ratio | 13.9197% | 3,508 |
| Total risk-based capital ratio | 14.6872% | 3,708 |
| Memoranda: | ||
| Average total assets | $178,130,400 | 3,186 |
| Average earning assets | $172,420,800 | 3,086 |
| Average equity | $18,516,400 | 3,333 |
| Average total loans | $86,949,400 | 3,638 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 5,090 |
| Cost of funding earning assets | 0.2941% | 4,167 |
| Net interest margin | 3.0741% | 4,849 |
| Noninterest income to average assets | 0.3774% | 4,082 |
| Noninterest expense to average assets | 1.9141% | 5,353 |
| Loan and lease loss provision to assets | 0.0150% | 3,948 |
| Net operating income to assets | 1.3529% | 1,161 |
| Return on assets (ROA) | 1.3892% | 1,146 |
| Pretax return on assets | 1.4611% | 1,850 |
| Return on Equity (ROE) | 13.1476% | 1,012 |
| Retained earnings to average equity (ytd only) | 1.4530% | 4,932 |
| Net charge-offs to loans | 0.0031% | 3,824 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 958.7790% | 81 |
| Efficiency ratio | 57.1046% | 4,943 |
| Assets per employee ($millions) | 6.0330% | 1,411 |
| Cash dividends to net income (ytd only)* | 88.9490% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,856 |
| Loan loss allowance to noncurrent loans | 242.3267% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,520 |
| Noncurrent loans to loans | 0.4520% | 3,656 |
| Net loans and leases to total assets | 50.5307% | 4,783 |
| Net loans and leases to deposits | 66.5109% | 4,303 |
| Net loans and leases to core deposits | 71.5348% | 4,196 |
| Total domestic deposits to total assets | 75.9735% | 5,238 |
| Equity capital to assets | 11.1022% | 2,916 |
| Core capital (leverage) ratio | 10.4018% | 3,110 |
| Tier 1 risk-based capital ratio | 14.2936% | 3,400 |
| Total risk-based capital ratio | 15.0587% | 3,591 |
| Memoranda: | ||
| Average total assets | $178,039,500 | 3,200 |
| Average earning assets | $172,275,750 | 3,098 |
| Average equity | $18,811,500 | 3,321 |
| Average total loans | $86,550,500 | 3,671 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,175 |
| Cost of funding earning assets | 0.2943% | 4,198 |
| Net interest margin | 3.0596% | 4,947 |
| Noninterest income to average assets | 0.3663% | 4,135 |
| Noninterest expense to average assets | 1.8675% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3880% | 1,079 |
| Return on assets (ROA) | 1.4240% | 1,060 |
| Pretax return on assets | 1.4978% | 1,675 |
| Return on Equity (ROE) | 13.7043% | 882 |
| Retained earnings to average equity (ytd only) | 1.8810% | 4,613 |
| Net charge-offs to loans | 0.0047% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 653.5000% | 90 |
| Efficiency ratio | 56.1262% | 5,133 |
| Assets per employee ($millions) | 5.5079% | 1,796 |
| Cash dividends to net income (ytd only)* | 86.2745% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,860 |
| Loan loss allowance to noncurrent loans | 341.2811% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 4,865 |
| Noncurrent loans to loans | 0.3272% | 4,192 |
| Net loans and leases to total assets | 48.1856% | 4,978 |
| Net loans and leases to deposits | 64.4432% | 4,461 |
| Net loans and leases to core deposits | 69.6562% | 4,349 |
| Total domestic deposits to total assets | 74.7722% | 5,438 |
| Equity capital to assets | 10.9166% | 3,152 |
| Core capital (leverage) ratio | 10.1695% | 3,367 |
| Tier 1 risk-based capital ratio | 13.8986% | 3,663 |
| Total risk-based capital ratio | 14.6286% | 3,886 |
| Memoranda: | ||
| Average total assets | $179,067,000 | 3,201 |
| Average earning assets | $173,289,670 | 3,108 |
| Average equity | $18,607,330 | 3,354 |
| Average total loans | $85,605,330 | 3,705 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 5,314 |
| Cost of funding earning assets | 0.2932% | 4,245 |
| Net interest margin | 3.0120% | 5,093 |
| Noninterest income to average assets | 0.3546% | 4,193 |
| Noninterest expense to average assets | 1.8086% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3897% | 1,056 |
| Return on assets (ROA) | 1.3897% | 1,116 |
| Pretax return on assets | 1.4606% | 1,715 |
| Return on Equity (ROE) | 13.7120% | 895 |
| Retained earnings to average equity (ytd only) | 13.7120% | 340 |
| Net charge-offs to loans | 0.0094% | 2,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 181 |
| Efficiency ratio | 55.3220% | 5,250 |
| Assets per employee ($millions) | 5.7044% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,799 |
| Loan loss allowance to noncurrent loans | 346.2094% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 4,948 |
| Noncurrent loans to loans | 0.3308% | 4,253 |
| Net loans and leases to total assets | 46.8053% | 5,061 |
| Net loans and leases to deposits | 61.4474% | 4,620 |
| Net loans and leases to core deposits | 66.2990% | 4,519 |
| Total domestic deposits to total assets | 76.1713% | 5,390 |
| Equity capital to assets | 10.6092% | 3,357 |
| Core capital (leverage) ratio | 10.4429% | 3,023 |
| Tier 1 risk-based capital ratio | 14.0268% | 3,675 |
| Total risk-based capital ratio | 14.7456% | 3,906 |
| Memoranda: | ||
| Average total assets | $180,473,500 | 3,194 |
| Average earning assets | $174,633,500 | 3,107 |
| Average equity | $18,290,500 | 3,400 |
| Average total loans | $85,464,000 | 3,714 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 5,439 |
| Cost of funding earning assets | 0.3376% | 3,816 |
| Net interest margin | 2.9086% | 5,322 |
| Noninterest income to average assets | 0.3722% | 4,248 |
| Noninterest expense to average assets | 1.8355% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2946% | 1,277 |
| Return on assets (ROA) | 1.5112% | 876 |
| Pretax return on assets | 1.5827% | 1,300 |
| Return on Equity (ROE) | 14.6396% | 741 |
| Retained earnings to average equity (ytd only) | 2.0945% | 4,532 |
| Net charge-offs to loans | -0.0084% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5362% | 5,191 |
| Assets per employee ($millions) | 5.7534% | 1,577 |
| Cash dividends to net income (ytd only)* | 85.6930% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,039 |
| Loan loss allowance to noncurrent loans | 691.3669% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,330 |
| Noncurrent loans to loans | 0.1594% | 4,854 |
| Net loans and leases to total assets | 46.8410% | 5,107 |
| Net loans and leases to deposits | 61.0161% | 4,701 |
| Net loans and leases to core deposits | 66.0471% | 4,587 |
| Total domestic deposits to total assets | 76.7682% | 5,353 |
| Equity capital to assets | 9.6790% | 4,328 |
| Core capital (leverage) ratio | 10.0731% | 3,406 |
| Tier 1 risk-based capital ratio | 14.2782% | 3,563 |
| Total risk-based capital ratio | 15.0369% | 3,761 |
| Memoranda: | ||
| Average total assets | $177,604,000 | 3,205 |
| Average earning assets | $172,075,000 | 3,097 |
| Average equity | $18,333,800 | 3,338 |
| Average total loans | $82,900,400 | 3,748 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 5,456 |
| Cost of funding earning assets | 0.3518% | 3,738 |
| Net interest margin | 2.9208% | 5,373 |
| Noninterest income to average assets | 0.3743% | 4,254 |
| Noninterest expense to average assets | 1.8275% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3139% | 1,298 |
| Return on assets (ROA) | 1.6085% | 782 |
| Pretax return on assets | 1.6843% | 1,150 |
| Return on Equity (ROE) | 15.3318% | 685 |
| Retained earnings to average equity (ytd only) | 3.4159% | 4,042 |
| Net charge-offs to loans | -0.0114% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0213% | 5,227 |
| Assets per employee ($millions) | 5.4726% | 1,807 |
| Cash dividends to net income (ytd only)* | 77.7203% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 3,933 |
| Loan loss allowance to noncurrent loans | 961.0000% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 5,541 |
| Noncurrent loans to loans | 0.1196% | 5,150 |
| Net loans and leases to total assets | 48.7377% | 5,030 |
| Net loans and leases to deposits | 63.9474% | 4,563 |
| Net loans and leases to core deposits | 69.7514% | 4,394 |
| Total domestic deposits to total assets | 76.2153% | 5,457 |
| Equity capital to assets | 10.7179% | 3,341 |
| Core capital (leverage) ratio | 10.2454% | 3,311 |
| Tier 1 risk-based capital ratio | 14.6474% | 3,470 |
| Total risk-based capital ratio | 15.4219% | 3,683 |
| Memoranda: | ||
| Average total assets | $175,977,500 | 3,249 |
| Average earning assets | $170,545,500 | 3,137 |
| Average equity | $18,462,250 | 3,346 |
| Average total loans | $81,825,500 | 3,811 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 5,646 |
| Cost of funding earning assets | 0.3612% | 3,682 |
| Net interest margin | 2.8227% | 5,565 |
| Noninterest income to average assets | 0.3695% | 4,303 |
| Noninterest expense to average assets | 1.8092% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2383% | 1,502 |
| Return on assets (ROA) | 1.6318% | 734 |
| Pretax return on assets | 1.7082% | 1,072 |
| Return on Equity (ROE) | 15.6613% | 647 |
| Retained earnings to average equity (ytd only) | 4.8827% | 2,937 |
| Net charge-offs to loans | -0.0123% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2219% | 5,194 |
| Assets per employee ($millions) | 5.4255% | 1,817 |
| Cash dividends to net income (ytd only)* | 68.8231% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,916 |
| Loan loss allowance to noncurrent loans | 959.0000% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,640 |
| Noncurrent loans to loans | 0.1229% | 5,264 |
| Net loans and leases to total assets | 44.9266% | 5,319 |
| Net loans and leases to deposits | 59.1143% | 4,924 |
| Net loans and leases to core deposits | 63.2966% | 4,859 |
| Total domestic deposits to total assets | 75.9996% | 5,597 |
| Equity capital to assets | 9.9038% | 4,152 |
| Core capital (leverage) ratio | 9.9539% | 3,676 |
| Tier 1 risk-based capital ratio | 14.5503% | 3,607 |
| Total risk-based capital ratio | 15.3182% | 3,823 |
| Memoranda: | ||
| Average total assets | $178,086,330 | 3,241 |
| Average earning assets | $172,740,670 | 3,126 |
| Average equity | $18,555,330 | 3,351 |
| Average total loans | $81,219,000 | 3,842 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1738% | 5,691 |
| Cost of funding earning assets | 0.3666% | 3,681 |
| Net interest margin | 2.8073% | 5,626 |
| Noninterest income to average assets | 0.3378% | 4,492 |
| Noninterest expense to average assets | 1.7161% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2860% | 1,319 |
| Return on assets (ROA) | 1.2860% | 1,403 |
| Pretax return on assets | 1.3468% | 2,092 |
| Return on Equity (ROE) | 12.0420% | 1,338 |
| Retained earnings to average equity (ytd only) | 12.0420% | 567 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0294% | 5,514 |
| Assets per employee ($millions) | 5.9371% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 4,075 |
| Loan loss allowance to noncurrent loans | 341.9355% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 5,329 |
| Noncurrent loans to loans | 0.3455% | 4,552 |
| Net loans and leases to total assets | 44.8033% | 5,283 |
| Net loans and leases to deposits | 59.5770% | 4,775 |
| Net loans and leases to core deposits | 64.5838% | 4,648 |
| Total domestic deposits to total assets | 75.2024% | 5,810 |
| Equity capital to assets | 10.9576% | 3,018 |
| Core capital (leverage) ratio | 10.2839% | 3,235 |
| Tier 1 risk-based capital ratio | 15.7635% | 3,030 |
| Total risk-based capital ratio | 16.5866% | 3,167 |
| Memoranda: | ||
| Average total assets | $177,608,000 | 3,269 |
| Average earning assets | $172,410,000 | 3,146 |
| Average equity | $18,967,000 | 3,345 |
| Average total loans | $81,130,000 | 3,856 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 5,583 |
| Cost of funding earning assets | 0.4577% | 3,096 |
| Net interest margin | 2.9146% | 5,614 |
| Noninterest income to average assets | 0.3788% | 4,354 |
| Noninterest expense to average assets | 1.8620% | 5,987 |
| Loan and lease loss provision to assets | 0.0057% | 4,504 |
| Net operating income to assets | 1.2695% | 1,372 |
| Return on assets (ROA) | 1.2995% | 1,359 |
| Pretax return on assets | 1.3609% | 2,035 |
| Return on Equity (ROE) | 12.5242% | 1,259 |
| Retained earnings to average equity (ytd only) | 1.4604% | 5,109 |
| Net charge-offs to loans | 0.0088% | 4,737 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | 332.2857% | 166 |
| Efficiency ratio | 58.2406% | 5,432 |
| Assets per employee ($millions) | 5.9034% | 1,446 |
| Cash dividends to net income (ytd only)* | 88.3392% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 4,157 |
| Loan loss allowance to noncurrent loans | 1,492.1875% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 5,893 |
| Noncurrent loans to loans | 0.0785% | 5,571 |
| Net loans and leases to total assets | 45.4823% | 5,369 |
| Net loans and leases to deposits | 59.3851% | 4,953 |
| Net loans and leases to core deposits | 64.2549% | 4,808 |
| Total domestic deposits to total assets | 76.5886% | 5,657 |
| Equity capital to assets | 10.3991% | 3,610 |
| Core capital (leverage) ratio | 9.9737% | 3,607 |
| Tier 1 risk-based capital ratio | 13.3175% | 4,532 |
| Total risk-based capital ratio | 14.0353% | 4,778 |
| Memoranda: | ||
| Average total assets | $174,219,800 | 3,280 |
| Average earning assets | $168,465,000 | 3,175 |
| Average equity | $18,077,000 | 3,388 |
| Average total loans | $79,743,000 | 3,879 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 5,604 |
| Cost of funding earning assets | 0.4680% | 3,070 |
| Net interest margin | 2.9263% | 5,645 |
| Noninterest income to average assets | 0.3742% | 4,434 |
| Noninterest expense to average assets | 1.8528% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2862% | 1,411 |
| Return on assets (ROA) | 1.2956% | 1,439 |
| Pretax return on assets | 1.3571% | 2,163 |
| Return on Equity (ROE) | 12.4941% | 1,342 |
| Retained earnings to average equity (ytd only) | 1.3783% | 5,347 |
| Net charge-offs to loans | 0.0118% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 250.5113% | 268 |
| Efficiency ratio | 57.9011% | 5,463 |
| Assets per employee ($millions) | 5.6164% | 1,623 |
| Cash dividends to net income (ytd only)* | 88.9681% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,331 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 5,996 |
| Noncurrent loans to loans | 0.0375% | 5,872 |
| Net loans and leases to total assets | 45.3968% | 5,422 |
| Net loans and leases to deposits | 62.3223% | 4,707 |
| Net loans and leases to core deposits | 68.0579% | 4,505 |
| Total domestic deposits to total assets | 72.8420% | 6,105 |
| Equity capital to assets | 10.3672% | 3,715 |
| Core capital (leverage) ratio | 10.2100% | 3,398 |
| Tier 1 risk-based capital ratio | 14.1984% | 4,080 |
| Total risk-based capital ratio | 14.9597% | 4,347 |
| Memoranda: | ||
| Average total assets | $173,499,250 | 3,319 |
| Average earning assets | $167,531,250 | 3,214 |
| Average equity | $17,992,000 | 3,417 |
| Average total loans | $79,302,500 | 3,922 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 5,715 |
| Cost of funding earning assets | 0.4793% | 3,033 |
| Net interest margin | 2.8711% | 5,785 |
| Noninterest income to average assets | 0.3705% | 4,477 |
| Noninterest expense to average assets | 1.8477% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2366% | 1,489 |
| Return on assets (ROA) | 1.2499% | 1,509 |
| Pretax return on assets | 1.3087% | 2,221 |
| Return on Equity (ROE) | 12.0516% | 1,407 |
| Retained earnings to average equity (ytd only) | 0.9236% | 5,383 |
| Net charge-offs to loans | 0.0177% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 160.2857% | 389 |
| Efficiency ratio | 58.7954% | 5,461 |
| Assets per employee ($millions) | 5.7315% | 1,494 |
| Cash dividends to net income (ytd only)* | 92.3361% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 4,399 |
| Loan loss allowance to noncurrent loans | 3,258.6207% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 6,057 |
| Noncurrent loans to loans | 0.0370% | 5,948 |
| Net loans and leases to total assets | 45.0586% | 5,461 |
| Net loans and leases to deposits | 60.4002% | 4,832 |
| Net loans and leases to core deposits | 65.4452% | 4,690 |
| Total domestic deposits to total assets | 74.6000% | 6,057 |
| Equity capital to assets | 10.8029% | 3,089 |
| Core capital (leverage) ratio | 9.9927% | 3,620 |
| Tier 1 risk-based capital ratio | 14.6314% | 3,850 |
| Total risk-based capital ratio | 15.4206% | 4,073 |
| Memoranda: | ||
| Average total assets | $173,296,670 | 3,337 |
| Average earning assets | $167,324,670 | 3,229 |
| Average equity | $17,972,670 | 3,422 |
| Average total loans | $79,075,330 | 3,938 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 5,745 |
| Cost of funding earning assets | 0.4882% | 3,028 |
| Net interest margin | 2.8648% | 5,820 |
| Noninterest income to average assets | 0.3518% | 4,561 |
| Noninterest expense to average assets | 1.7428% | 6,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3129% | 1,183 |
| Return on assets (ROA) | 1.3129% | 1,226 |
| Pretax return on assets | 1.3749% | 1,837 |
| Return on Equity (ROE) | 12.9248% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.9248% | 491 |
| Net charge-offs to loans | 0.0101% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 299.0000% | 160 |
| Efficiency ratio | 55.8997% | 5,845 |
| Assets per employee ($millions) | 6.0536% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,527 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 6,103 |
| Noncurrent loans to loans | 0.1224% | 5,745 |
| Net loans and leases to total assets | 43.6751% | 5,542 |
| Net loans and leases to deposits | 58.3993% | 4,898 |
| Net loans and leases to core deposits | 62.7675% | 4,808 |
| Total domestic deposits to total assets | 74.7871% | 6,177 |
| Equity capital to assets | 10.3262% | 3,430 |
| Core capital (leverage) ratio | 10.4024% | 3,041 |
| Tier 1 risk-based capital ratio | 14.9800% | 3,719 |
| Total risk-based capital ratio | 15.7702% | 3,950 |
| Memoranda: | ||
| Average total assets | $173,972,500 | 3,348 |
| Average earning assets | $167,967,000 | 3,243 |
| Average equity | $17,671,500 | 3,457 |
| Average total loans | $79,402,500 | 3,955 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 5,304 |
| Cost of funding earning assets | 0.5386% | 3,209 |
| Net interest margin | 3.1016% | 5,307 |
| Noninterest income to average assets | 0.3689% | 4,669 |
| Noninterest expense to average assets | 1.8524% | 6,255 |
| Loan and lease loss provision to assets | 0.0170% | 4,791 |
| Net operating income to assets | 1.4068% | 1,009 |
| Return on assets (ROA) | 1.4122% | 1,037 |
| Pretax return on assets | 1.4863% | 1,490 |
| Return on Equity (ROE) | 13.3072% | 1,108 |
| Retained earnings to average equity (ytd only) | 1.5781% | 5,099 |
| Net charge-offs to loans | 0.0394% | 4,675 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 88.2333% | 510 |
| Efficiency ratio | 55.2947% | 6,021 |
| Assets per employee ($millions) | 5.9446% | 1,306 |
| Cash dividends to net income (ytd only)* | 88.1410% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 4,797 |
| Loan loss allowance to noncurrent loans | 1,002.1053% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 6,199 |
| Noncurrent loans to loans | 0.1170% | 5,852 |
| Net loans and leases to total assets | 46.5393% | 5,445 |
| Net loans and leases to deposits | 62.7488% | 4,644 |
| Net loans and leases to core deposits | 67.7309% | 4,545 |
| Total domestic deposits to total assets | 74.1676% | 6,266 |
| Equity capital to assets | 9.9860% | 3,796 |
| Core capital (leverage) ratio | 9.9895% | 3,592 |
| Tier 1 risk-based capital ratio | 14.9971% | 3,671 |
| Total risk-based capital ratio | 15.8159% | 3,856 |
| Memoranda: | ||
| Average total assets | $176,745,400 | 3,310 |
| Average earning assets | $169,877,800 | 3,220 |
| Average equity | $18,756,800 | 3,306 |
| Average total loans | $76,156,600 | 4,052 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 5,346 |
| Cost of funding earning assets | 0.5458% | 3,307 |
| Net interest margin | 3.0874% | 5,354 |
| Noninterest income to average assets | 0.3614% | 4,806 |
| Noninterest expense to average assets | 1.8384% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4133% | 1,076 |
| Return on assets (ROA) | 1.6000% | 793 |
| Pretax return on assets | 1.6839% | 1,137 |
| Return on Equity (ROE) | 14.8638% | 820 |
| Retained earnings to average equity (ytd only) | 3.7194% | 4,049 |
| Net charge-offs to loans | 0.0089% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 396.5922% | 148 |
| Efficiency ratio | 55.2750% | 5,996 |
| Assets per employee ($millions) | 5.7155% | 1,437 |
| Cash dividends to net income (ytd only)* | 74.9766% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,961 |
| Loan loss allowance to noncurrent loans | 823.4783% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 6,251 |
| Noncurrent loans to loans | 0.1435% | 5,893 |
| Net loans and leases to total assets | 44.7091% | 5,658 |
| Net loans and leases to deposits | 60.4057% | 4,925 |
| Net loans and leases to core deposits | 65.1748% | 4,782 |
| Total domestic deposits to total assets | 74.0147% | 6,366 |
| Equity capital to assets | 9.6545% | 4,351 |
| Core capital (leverage) ratio | 10.0908% | 3,538 |
| Tier 1 risk-based capital ratio | 13.7330% | 4,609 |
| Total risk-based capital ratio | 14.4687% | 4,910 |
| Memoranda: | ||
| Average total assets | $177,833,750 | 3,329 |
| Average earning assets | $170,751,750 | 3,234 |
| Average equity | $19,142,250 | 3,299 |
| Average total loans | $74,900,250 | 4,122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 5,317 |
| Cost of funding earning assets | 0.5604% | 3,307 |
| Net interest margin | 3.0817% | 5,327 |
| Noninterest income to average assets | 0.3471% | 4,916 |
| Noninterest expense to average assets | 1.8792% | 6,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3548% | 1,180 |
| Return on assets (ROA) | 1.6344% | 765 |
| Pretax return on assets | 1.7209% | 1,068 |
| Return on Equity (ROE) | 14.6814% | 872 |
| Retained earnings to average equity (ytd only) | 4.5911% | 3,347 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8468% | 5,868 |
| Assets per employee ($millions) | 5.4383% | 1,647 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,577 |
| Loan loss allowance to noncurrent loans | 1,190.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 6,369 |
| Noncurrent loans to loans | 0.1080% | 6,073 |
| Net loans and leases to total assets | 42.0248% | 5,900 |
| Net loans and leases to deposits | 55.9963% | 5,346 |
| Net loans and leases to core deposits | 60.2874% | 5,240 |
| Total domestic deposits to total assets | 75.0491% | 6,353 |
| Equity capital to assets | 10.3881% | 3,444 |
| Core capital (leverage) ratio | 9.7899% | 3,807 |
| Tier 1 risk-based capital ratio | 14.3101% | 4,218 |
| Total risk-based capital ratio | 15.0843% | 4,507 |
| Memoranda: | ||
| Average total assets | $178,051,330 | 3,337 |
| Average earning assets | $170,946,330 | 3,238 |
| Average equity | $19,821,000 | 3,224 |
| Average total loans | $73,146,000 | 4,208 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 5,446 |
| Cost of funding earning assets | 0.5691% | 3,391 |
| Net interest margin | 3.0338% | 5,475 |
| Noninterest income to average assets | 0.3132% | 5,184 |
| Noninterest expense to average assets | 1.7994% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3440% | 1,164 |
| Return on assets (ROA) | 1.3440% | 1,261 |
| Pretax return on assets | 1.4151% | 1,812 |
| Return on Equity (ROE) | 11.6951% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.6951% | 749 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9779% | 6,065 |
| Assets per employee ($millions) | 5.8378% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,498 |
| Loan loss allowance to noncurrent loans | 1,641.3793% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 6,514 |
| Noncurrent loans to loans | 0.0818% | 6,237 |
| Net loans and leases to total assets | 38.6410% | 6,106 |
| Net loans and leases to deposits | 51.0624% | 5,704 |
| Net loans and leases to core deposits | 54.7767% | 5,620 |
| Total domestic deposits to total assets | 75.6740% | 6,394 |
| Equity capital to assets | 11.6090% | 2,322 |
| Core capital (leverage) ratio | 9.9614% | 3,440 |
| Tier 1 risk-based capital ratio | 15.3185% | 3,641 |
| Total risk-based capital ratio | 16.1403% | 3,877 |
| Memoranda: | ||
| Average total assets | $180,064,000 | 3,345 |
| Average earning assets | $172,191,500 | 3,253 |
| Average equity | $20,692,500 | 3,181 |
| Average total loans | $72,676,000 | 4,243 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 5,562 |
| Cost of funding earning assets | 0.7038% | 3,463 |
| Net interest margin | 3.2011% | 5,566 |
| Noninterest income to average assets | 0.3980% | 4,626 |
| Noninterest expense to average assets | 1.8861% | 6,510 |
| Loan and lease loss provision to assets | 0.0679% | 4,901 |
| Net operating income to assets | 1.4405% | 1,026 |
| Return on assets (ROA) | 1.5460% | 919 |
| Pretax return on assets | 1.6275% | 1,312 |
| Return on Equity (ROE) | 13.1661% | 1,187 |
| Retained earnings to average equity (ytd only) | 0.2917% | 5,710 |
| Net charge-offs to loans | 0.1752% | 3,977 |
| Credit loss provision to net charge-offs | 90.5512% | 3,457 |
| Earnings coverage of net charge-offs (x) | 21.1260% | 1,312 |
| Efficiency ratio | 54.3475% | 6,235 |
| Assets per employee ($millions) | 5.7793% | 1,440 |
| Cash dividends to net income (ytd only)* | 97.7846% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,746 |
| Loan loss allowance to noncurrent loans | 2,644.4444% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,435 |
| Noncurrent loans to loans | 0.0483% | 6,381 |
| Net loans and leases to total assets | 41.0361% | 6,094 |
| Net loans and leases to deposits | 55.1646% | 5,534 |
| Net loans and leases to core deposits | 59.2064% | 5,434 |
| Total domestic deposits to total assets | 74.3884% | 6,495 |
| Equity capital to assets | 11.3733% | 2,564 |
| Core capital (leverage) ratio | 9.8570% | 3,596 |
| Tier 1 risk-based capital ratio | 15.0783% | 3,678 |
| Total risk-based capital ratio | 15.9157% | 3,884 |
| Memoranda: | ||
| Average total assets | $169,342,800 | 3,467 |
| Average earning assets | $162,538,800 | 3,338 |
| Average equity | $19,884,400 | 3,213 |
| Average total loans | $72,471,600 | 4,255 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 5,617 |
| Cost of funding earning assets | 0.7279% | 3,538 |
| Net interest margin | 3.2372% | 5,595 |
| Noninterest income to average assets | 0.4090% | 4,563 |
| Noninterest expense to average assets | 1.8966% | 6,531 |
| Loan and lease loss provision to assets | 0.0719% | 4,768 |
| Net operating income to assets | 1.4824% | 1,053 |
| Return on assets (ROA) | 1.5818% | 989 |
| Pretax return on assets | 1.6649% | 1,377 |
| Return on Equity (ROE) | 13.3590% | 1,253 |
| Retained earnings to average equity (ytd only) | 1.8217% | 5,426 |
| Net charge-offs to loans | 0.2204% | 3,406 |
| Credit loss provision to net charge-offs | 75.6303% | 3,749 |
| Earnings coverage of net charge-offs (x) | 17.1683% | 1,636 |
| Efficiency ratio | 53.7469% | 6,281 |
| Assets per employee ($millions) | 5.5803% | 1,555 |
| Cash dividends to net income (ytd only)* | 86.3637% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 4,759 |
| Loan loss allowance to noncurrent loans | 3,339.2857% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 6,554 |
| Noncurrent loans to loans | 0.0393% | 6,522 |
| Net loans and leases to total assets | 42.0034% | 6,132 |
| Net loans and leases to deposits | 55.9123% | 5,646 |
| Net loans and leases to core deposits | 60.1128% | 5,544 |
| Total domestic deposits to total assets | 75.1237% | 6,502 |
| Equity capital to assets | 12.5902% | 1,828 |
| Core capital (leverage) ratio | 10.3165% | 3,142 |
| Tier 1 risk-based capital ratio | 15.7844% | 3,384 |
| Total risk-based capital ratio | 16.6348% | 3,560 |
| Memoranda: | ||
| Average total assets | $166,889,250 | 3,538 |
| Average earning assets | $160,832,750 | 3,406 |
| Average equity | $19,761,500 | 3,261 |
| Average total loans | $71,971,750 | 4,325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 5,796 |
| Cost of funding earning assets | 0.7504% | 3,602 |
| Net interest margin | 3.1944% | 5,757 |
| Noninterest income to average assets | 0.4043% | 4,619 |
| Noninterest expense to average assets | 1.9002% | 6,593 |
| Loan and lease loss provision to assets | 0.0720% | 4,729 |
| Net operating income to assets | 1.4360% | 1,116 |
| Return on assets (ROA) | 1.4360% | 1,251 |
| Pretax return on assets | 1.5115% | 1,817 |
| Return on Equity (ROE) | 12.3894% | 1,544 |
| Retained earnings to average equity (ytd only) | 0.9005% | 5,712 |
| Net charge-offs to loans | 0.2326% | 3,173 |
| Credit loss provision to net charge-offs | 71.4286% | 3,522 |
| Earnings coverage of net charge-offs (x) | 15.7143% | 1,635 |
| Efficiency ratio | 54.5455% | 6,268 |
| Assets per employee ($millions) | 5.4625% | 1,648 |
| Cash dividends to net income (ytd only)* | 92.7318% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,809 |
| Loan loss allowance to noncurrent loans | 66.6194% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 4,722 |
| Noncurrent loans to loans | 1.9789% | 2,967 |
| Net loans and leases to total assets | 41.5512% | 6,223 |
| Net loans and leases to deposits | 55.2904% | 5,731 |
| Net loans and leases to core deposits | 59.5703% | 5,637 |
| Total domestic deposits to total assets | 75.1509% | 6,573 |
| Equity capital to assets | 11.7812% | 2,336 |
| Core capital (leverage) ratio | 10.0848% | 3,294 |
| Tier 1 risk-based capital ratio | 15.3916% | 3,508 |
| Total risk-based capital ratio | 16.2343% | 3,727 |
| Memoranda: | ||
| Average total assets | $166,716,330 | 3,556 |
| Average earning assets | $160,718,000 | 3,410 |
| Average equity | $19,323,000 | 3,307 |
| Average total loans | $72,211,670 | 4,340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 5,489 |
| Cost of funding earning assets | 0.7744% | 3,665 |
| Net interest margin | 3.3162% | 5,414 |
| Noninterest income to average assets | 0.4014% | 4,660 |
| Noninterest expense to average assets | 1.8307% | 6,760 |
| Loan and lease loss provision to assets | 0.0725% | 4,492 |
| Net operating income to assets | 1.6033% | 858 |
| Return on assets (ROA) | 1.6033% | 960 |
| Pretax return on assets | 1.6880% | 1,338 |
| Return on Equity (ROE) | 13.9509% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.9509% | 570 |
| Net charge-offs to loans | 0.0055% | 4,678 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 728.0000% | 30 |
| Efficiency ratio | 50.9764% | 6,612 |
| Assets per employee ($millions) | 5.4875% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,662 |
| Loan loss allowance to noncurrent loans | 259.5300% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 6,321 |
| Noncurrent loans to loans | 0.5352% | 5,594 |
| Net loans and leases to total assets | 41.4859% | 6,237 |
| Net loans and leases to deposits | 55.0059% | 5,706 |
| Net loans and leases to core deposits | 59.4611% | 5,580 |
| Total domestic deposits to total assets | 75.4208% | 6,597 |
| Equity capital to assets | 11.7647% | 2,210 |
| Core capital (leverage) ratio | 10.9020% | 2,343 |
| Tier 1 risk-based capital ratio | 16.4002% | 2,962 |
| Total risk-based capital ratio | 17.3188% | 3,106 |
| Memoranda: | ||
| Average total assets | $165,405,500 | 3,590 |
| Average earning assets | $159,097,000 | 3,455 |
| Average equity | $19,009,500 | 3,349 |
| Average total loans | $72,666,500 | 4,357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 4,662 |
| Cost of funding earning assets | 0.9225% | 3,940 |
| Net interest margin | 3.6823% | 4,378 |
| Noninterest income to average assets | 0.4599% | 4,139 |
| Noninterest expense to average assets | 2.0618% | 6,561 |
| Loan and lease loss provision to assets | 0.0384% | 6,090 |
| Net operating income to assets | 1.6440% | 614 |
| Return on assets (ROA) | 1.6063% | 711 |
| Pretax return on assets | 1.6907% | 1,003 |
| Return on Equity (ROE) | 14.3927% | 843 |
| Retained earnings to average equity (ytd only) | -0.7967% | 5,978 |
| Net charge-offs to loans | 0.1009% | 5,346 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 36.8667% | 721 |
| Efficiency ratio | 53.8243% | 6,528 |
| Assets per employee ($millions) | 5.3567% | 1,769 |
| Cash dividends to net income (ytd only)* | 105.5356% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,866 |
| Loan loss allowance to noncurrent loans | 252.6178% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 6,377 |
| Noncurrent loans to loans | 0.5178% | 5,677 |
| Net loans and leases to total assets | 45.3030% | 6,076 |
| Net loans and leases to deposits | 60.6522% | 5,416 |
| Net loans and leases to core deposits | 65.9247% | 5,259 |
| Total domestic deposits to total assets | 74.6932% | 6,651 |
| Equity capital to assets | 11.2047% | 2,792 |
| Core capital (leverage) ratio | 10.5545% | 2,659 |
| Tier 1 risk-based capital ratio | 15.7799% | 3,163 |
| Total risk-based capital ratio | 16.6704% | 3,332 |
| Memoranda: | ||
| Average total assets | $156,322,800 | 3,693 |
| Average earning assets | $143,089,800 | 3,692 |
| Average equity | $17,446,400 | 3,511 |
| Average total loans | $74,350,600 | 4,336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 4,455 |
| Cost of funding earning assets | 0.9409% | 4,102 |
| Net interest margin | 3.7608% | 4,053 |
| Noninterest income to average assets | 0.4449% | 4,332 |
| Noninterest expense to average assets | 2.0674% | 6,558 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6904% | 648 |
| Return on assets (ROA) | 1.5770% | 881 |
| Pretax return on assets | 1.6603% | 1,229 |
| Return on Equity (ROE) | 14.1446% | 1,011 |
| Retained earnings to average equity (ytd only) | -3.5747% | 6,475 |
| Net charge-offs to loans | 0.0805% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 46.0433% | 689 |
| Efficiency ratio | 53.7397% | 6,518 |
| Assets per employee ($millions) | 5.0538% | 2,121 |
| Cash dividends to net income (ytd only)* | 125.2723% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,220 |
| Loan loss allowance to noncurrent loans | 384.7737% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 6,658 |
| Noncurrent loans to loans | 0.3262% | 6,200 |
| Net loans and leases to total assets | 46.9512% | 6,058 |
| Net loans and leases to deposits | 64.1601% | 5,148 |
| Net loans and leases to core deposits | 70.5610% | 4,880 |
| Total domestic deposits to total assets | 73.1781% | 6,838 |
| Equity capital to assets | 11.5378% | 2,647 |
| Core capital (leverage) ratio | 11.0885% | 2,325 |
| Tier 1 risk-based capital ratio | 15.9752% | 3,131 |
| Total risk-based capital ratio | 16.8656% | 3,288 |
| Memoranda: | ||
| Average total assets | $155,228,500 | 3,738 |
| Average earning assets | $140,425,750 | 3,758 |
| Average equity | $17,306,500 | 3,538 |
| Average total loans | $74,496,500 | 4,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 4,223 |
| Cost of funding earning assets | 0.9827% | 4,067 |
| Net interest margin | 3.7847% | 3,866 |
| Noninterest income to average assets | 0.4381% | 4,358 |
| Noninterest expense to average assets | 2.0601% | 6,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6412% | 679 |
| Return on assets (ROA) | 1.4656% | 1,010 |
| Pretax return on assets | 1.5431% | 1,394 |
| Return on Equity (ROE) | 13.3021% | 1,136 |
| Retained earnings to average equity (ytd only) | -9.5718% | 6,863 |
| Net charge-offs to loans | 0.1262% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 28.4468% | 961 |
| Efficiency ratio | 54.3842% | 6,583 |
| Assets per employee ($millions) | 4.6733% | 2,585 |
| Cash dividends to net income (ytd only)* | 171.9577% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 5,123 |
| Loan loss allowance to noncurrent loans | 2,591.6667% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 7,037 |
| Noncurrent loans to loans | 0.0496% | 6,859 |
| Net loans and leases to total assets | 47.8695% | 6,064 |
| Net loans and leases to deposits | 62.8714% | 5,403 |
| Net loans and leases to core deposits | 69.1853% | 5,165 |
| Total domestic deposits to total assets | 76.1388% | 6,579 |
| Equity capital to assets | 11.6233% | 2,389 |
| Core capital (leverage) ratio | 10.6559% | 2,564 |
| Tier 1 risk-based capital ratio | 16.6273% | 2,682 |
| Total risk-based capital ratio | 17.5719% | 2,791 |
| Memoranda: | ||
| Average total assets | $154,749,000 | 3,768 |
| Average earning assets | $136,971,000 | 3,836 |
| Average equity | $17,050,000 | 3,559 |
| Average total loans | $74,498,000 | 4,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 2,693 |
| Cost of funding earning assets | 1.0148% | 4,090 |
| Net interest margin | 4.0740% | 2,369 |
| Noninterest income to average assets | 0.3966% | 4,728 |
| Noninterest expense to average assets | 2.0260% | 6,786 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7282% | 555 |
| Return on assets (ROA) | 1.3829% | 1,140 |
| Pretax return on assets | 1.4566% | 1,577 |
| Return on Equity (ROE) | 12.8879% | 1,220 |
| Retained earnings to average equity (ytd only) | -10.8031% | 6,900 |
| Net charge-offs to loans | 0.2385% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 15.9111% | 1,293 |
| Efficiency ratio | 52.6768% | 6,811 |
| Assets per employee ($millions) | 4.9008% | 2,300 |
| Cash dividends to net income (ytd only)* | 183.8235% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 5,113 |
| Loan loss allowance to noncurrent loans | 754.0323% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,952 |
| Noncurrent loans to loans | 0.1728% | 6,618 |
| Net loans and leases to total assets | 45.1564% | 6,365 |
| Net loans and leases to deposits | 59.9098% | 5,736 |
| Net loans and leases to core deposits | 65.6808% | 5,548 |
| Total domestic deposits to total assets | 75.3740% | 6,750 |
| Equity capital to assets | 10.6743% | 3,011 |
| Core capital (leverage) ratio | 10.7278% | 2,417 |
| Tier 1 risk-based capital ratio | 17.5323% | 2,277 |
| Total risk-based capital ratio | 18.5101% | 2,363 |
| Memoranda: | ||
| Average total assets | $157,351,500 | 3,754 |
| Average earning assets | $133,234,500 | 3,948 |
| Average equity | $16,884,000 | 3,578 |
| Average total loans | $75,487,500 | 4,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 4,042 |
| Cost of funding earning assets | 1.0694% | 5,318 |
| Net interest margin | 4.0442% | 2,827 |
| Noninterest income to average assets | 0.4588% | 4,450 |
| Noninterest expense to average assets | 2.1934% | 6,631 |
| Loan and lease loss provision to assets | 0.1895% | 5,338 |
| Net operating income to assets | 1.8145% | 402 |
| Return on assets (ROA) | 2.1834% | 213 |
| Pretax return on assets | 2.2818% | 262 |
| Return on Equity (ROE) | 18.9750% | 316 |
| Retained earnings to average equity (ytd only) | 6.8412% | 1,392 |
| Net charge-offs to loans | 0.3531% | 4,253 |
| Credit loss provision to net charge-offs | 102.8881% | 4,387 |
| Earnings coverage of net charge-offs (x) | 11.3321% | 1,620 |
| Efficiency ratio | 51.2426% | 7,042 |
| Assets per employee ($millions) | 5.0928% | 2,022 |
| Cash dividends to net income (ytd only)* | 63.9464% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 5,337 |
| Loan loss allowance to noncurrent loans | 720.5882% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 7,003 |
| Noncurrent loans to loans | 0.1717% | 6,724 |
| Net loans and leases to total assets | 49.5595% | 6,204 |
| Net loans and leases to deposits | 66.6652% | 5,311 |
| Net loans and leases to core deposits | 73.4166% | 5,054 |
| Total domestic deposits to total assets | 74.3408% | 6,848 |
| Equity capital to assets | 10.7856% | 2,874 |
| Core capital (leverage) ratio | 11.1949% | 2,020 |
| Tier 1 risk-based capital ratio | 15.8138% | 2,835 |
| Total risk-based capital ratio | 16.7136% | 2,976 |
| Memoranda: | ||
| Average total assets | $150,406,000 | 3,866 |
| Average earning assets | $142,131,200 | 3,779 |
| Average equity | $17,307,000 | 3,536 |
| Average total loans | $78,438,200 | 4,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 4,174 |
| Cost of funding earning assets | 1.0997% | 5,419 |
| Net interest margin | 4.0294% | 2,959 |
| Noninterest income to average assets | 0.4605% | 4,480 |
| Noninterest expense to average assets | 2.2072% | 6,587 |
| Loan and lease loss provision to assets | 0.2334% | 4,738 |
| Net operating income to assets | 1.7591% | 554 |
| Return on assets (ROA) | 1.9694% | 381 |
| Pretax return on assets | 2.0573% | 552 |
| Return on Equity (ROE) | 16.8343% | 608 |
| Retained earnings to average equity (ytd only) | 3.4068% | 4,051 |
| Net charge-offs to loans | 0.4652% | 3,427 |
| Credit loss provision to net charge-offs | 95.2381% | 4,552 |
| Earnings coverage of net charge-offs (x) | 8.4542% | 2,162 |
| Efficiency ratio | 51.5838% | 7,021 |
| Assets per employee ($millions) | 4.6763% | 2,636 |
| Cash dividends to net income (ytd only)* | 79.7632% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 5,420 |
| Loan loss allowance to noncurrent loans | 998.9583% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,144 |
| Noncurrent loans to loans | 0.1215% | 6,942 |
| Net loans and leases to total assets | 52.1515% | 6,081 |
| Net loans and leases to deposits | 71.2671% | 4,956 |
| Net loans and leases to core deposits | 78.8779% | 4,685 |
| Total domestic deposits to total assets | 73.1775% | 7,016 |
| Equity capital to assets | 12.4757% | 1,869 |
| Core capital (leverage) ratio | 10.9554% | 2,290 |
| Tier 1 risk-based capital ratio | 15.9527% | 2,786 |
| Total risk-based capital ratio | 16.8819% | 2,899 |
| Memoranda: | ||
| Average total assets | $148,538,250 | 3,945 |
| Average earning assets | $140,761,750 | 3,857 |
| Average equity | $17,376,750 | 3,580 |
| Average total loans | $78,242,000 | 4,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 4,717 |
| Cost of funding earning assets | 1.1245% | 5,554 |
| Net interest margin | 3.9231% | 3,342 |
| Noninterest income to average assets | 0.4373% | 4,633 |
| Noninterest expense to average assets | 2.1867% | 6,680 |
| Loan and lease loss provision to assets | 0.2835% | 4,130 |
| Net operating income to assets | 1.6139% | 705 |
| Return on assets (ROA) | 1.9275% | 415 |
| Pretax return on assets | 2.0139% | 586 |
| Return on Equity (ROE) | 16.8535% | 590 |
| Retained earnings to average equity (ytd only) | 0.3305% | 5,627 |
| Net charge-offs to loans | 0.6693% | 2,542 |
| Credit loss provision to net charge-offs | 80.4598% | 4,696 |
| Earnings coverage of net charge-offs (x) | 5.5939% | 2,636 |
| Efficiency ratio | 52.5974% | 7,019 |
| Assets per employee ($millions) | 4.7124% | 2,565 |
| Cash dividends to net income (ytd only)* | 98.0392% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,546 |
| Loan loss allowance to noncurrent loans | 119.9219% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 6,184 |
| Noncurrent loans to loans | 0.9853% | 5,335 |
| Net loans and leases to total assets | 51.0809% | 6,293 |
| Net loans and leases to deposits | 69.6550% | 5,332 |
| Net loans and leases to core deposits | 76.8053% | 5,106 |
| Total domestic deposits to total assets | 73.3342% | 7,059 |
| Equity capital to assets | 11.4996% | 2,442 |
| Core capital (leverage) ratio | 10.6307% | 2,516 |
| Tier 1 risk-based capital ratio | 15.4746% | 2,906 |
| Total risk-based capital ratio | 16.3617% | 3,057 |
| Memoranda: | ||
| Average total assets | $148,170,000 | 3,992 |
| Average earning assets | $140,500,670 | 3,894 |
| Average equity | $16,946,000 | 3,640 |
| Average total loans | $77,989,330 | 4,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 4,873 |
| Cost of funding earning assets | 1.1600% | 5,606 |
| Net interest margin | 3.8716% | 3,449 |
| Noninterest income to average assets | 0.4113% | 4,808 |
| Noninterest expense to average assets | 2.1191% | 6,887 |
| Loan and lease loss provision to assets | 0.5720% | 2,209 |
| Net operating income to assets | 1.3229% | 1,246 |
| Return on assets (ROA) | 1.4981% | 968 |
| Pretax return on assets | 1.5661% | 1,348 |
| Return on Equity (ROE) | 13.1355% | 1,227 |
| Retained earnings to average equity (ytd only) | -10.7472% | 7,003 |
| Net charge-offs to loans | 1.3280% | 1,289 |
| Credit loss provision to net charge-offs | 81.0811% | 3,848 |
| Earnings coverage of net charge-offs (x) | 2.7722% | 3,162 |
| Efficiency ratio | 52.0053% | 7,154 |
| Assets per employee ($millions) | 4.5906% | 2,820 |
| Cash dividends to net income (ytd only)* | 181.8182% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 5,446 |
| Loan loss allowance to noncurrent loans | 981.9149% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 7,157 |
| Noncurrent loans to loans | 0.1233% | 7,102 |
| Net loans and leases to total assets | 51.2512% | 6,349 |
| Net loans and leases to deposits | 68.3728% | 5,546 |
| Net loans and leases to core deposits | 75.3913% | 5,345 |
| Total domestic deposits to total assets | 74.9585% | 6,909 |
| Equity capital to assets | 11.3567% | 2,461 |
| Core capital (leverage) ratio | 10.5871% | 2,548 |
| Tier 1 risk-based capital ratio | 15.5397% | 2,853 |
| Total risk-based capital ratio | 16.4598% | 2,964 |
| Memoranda: | ||
| Average total assets | $146,857,000 | 4,071 |
| Average earning assets | $138,962,000 | 3,985 |
| Average equity | $16,748,500 | 3,706 |
| Average total loans | $78,009,500 | 4,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 4,297 |
| Cost of funding earning assets | 1.4949% | 5,534 |
| Net interest margin | 3.9796% | 2,943 |
| Noninterest income to average assets | 0.4457% | 4,839 |
| Noninterest expense to average assets | 2.2666% | 6,830 |
| Loan and lease loss provision to assets | 0.4658% | 4,044 |
| Net operating income to assets | 1.4496% | 764 |
| Return on assets (ROA) | 1.5811% | 609 |
| Pretax return on assets | 1.6645% | 844 |
| Return on Equity (ROE) | 13.6557% | 841 |
| Retained earnings to average equity (ytd only) | -1.9577% | 5,507 |
| Net charge-offs to loans | 0.8361% | 2,739 |
| Credit loss provision to net charge-offs | 101.0558% | 5,461 |
| Earnings coverage of net charge-offs (x) | 4.3213% | 2,987 |
| Efficiency ratio | 53.2245% | 7,303 |
| Assets per employee ($millions) | 4.5879% | 2,787 |
| Cash dividends to net income (ytd only)* | 114.3360% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,244 |
| Loan loss allowance to noncurrent loans | 66.9188% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 4,988 |
| Noncurrent loans to loans | 1.8219% | 3,895 |
| Net loans and leases to total assets | 53.6972% | 6,225 |
| Net loans and leases to deposits | 71.5888% | 5,388 |
| Net loans and leases to core deposits | 85.2068% | 5,599 |
| Total domestic deposits to total assets | 75.0078% | 6,866 |
| Equity capital to assets | 11.4526% | 2,353 |
| Core capital (leverage) ratio | 10.9696% | 2,243 |
| Tier 1 risk-based capital ratio | 16.1962% | 2,437 |
| Total risk-based capital ratio | 17.1778% | 2,481 |
| Memoranda: | ||
| Average total assets | $143,825,800 | 4,046 |
| Average earning assets | $137,803,800 | 3,944 |
| Average equity | $16,652,400 | 3,745 |
| Average total loans | $79,293,600 | 4,541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 4,307 |
| Cost of funding earning assets | 1.5495% | 5,638 |
| Net interest margin | 3.9732% | 2,929 |
| Noninterest income to average assets | 0.4361% | 4,991 |
| Noninterest expense to average assets | 2.2793% | 6,759 |
| Loan and lease loss provision to assets | 0.6243% | 2,895 |
| Net operating income to assets | 1.2813% | 1,266 |
| Return on assets (ROA) | 1.4574% | 961 |
| Pretax return on assets | 1.5338% | 1,315 |
| Return on Equity (ROE) | 12.5529% | 1,222 |
| Retained earnings to average equity (ytd only) | -5.9072% | 6,379 |
| Net charge-offs to loans | 1.1166% | 1,796 |
| Credit loss provision to net charge-offs | 101.0558% | 5,030 |
| Earnings coverage of net charge-offs (x) | 3.1931% | 3,641 |
| Efficiency ratio | 53.6051% | 7,278 |
| Assets per employee ($millions) | 4.5110% | 2,844 |
| Cash dividends to net income (ytd only)* | 147.0589% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 4,846 |
| Loan loss allowance to noncurrent loans | 67.3356% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 4,942 |
| Noncurrent loans to loans | 1.8538% | 3,836 |
| Net loans and leases to total assets | 53.3259% | 6,460 |
| Net loans and leases to deposits | 70.5253% | 5,840 |
| Net loans and leases to core deposits | 84.1168% | 6,032 |
| Total domestic deposits to total assets | 75.6124% | 6,659 |
| Equity capital to assets | 11.6846% | 2,446 |
| Core capital (leverage) ratio | 10.9503% | 2,443 |
| Tier 1 risk-based capital ratio | 16.2732% | 2,524 |
| Total risk-based capital ratio | 17.2854% | 2,547 |
| Memoranda: | ||
| Average total assets | $143,078,750 | 4,080 |
| Average earning assets | $137,418,000 | 3,976 |
| Average equity | $16,612,000 | 3,782 |
| Average total loans | $79,165,000 | 4,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6189% | 3,975 |
| Cost of funding earning assets | 1.6073% | 5,717 |
| Net interest margin | 4.0116% | 2,654 |
| Noninterest income to average assets | 0.4276% | 5,058 |
| Noninterest expense to average assets | 2.2404% | 6,947 |
| Loan and lease loss provision to assets | 0.9393% | 1,795 |
| Net operating income to assets | 1.0449% | 1,957 |
| Return on assets (ROA) | 1.2926% | 1,333 |
| Pretax return on assets | 1.3613% | 1,827 |
| Return on Equity (ROE) | 11.1575% | 1,657 |
| Retained earnings to average equity (ytd only) | -13.0453% | 7,114 |
| Net charge-offs to loans | 1.6187% | 1,171 |
| Credit loss provision to net charge-offs | 104.0373% | 4,415 |
| Earnings coverage of net charge-offs (x) | 2.2593% | 3,941 |
| Efficiency ratio | 52.3420% | 7,485 |
| Assets per employee ($millions) | 4.4226% | 2,893 |
| Cash dividends to net income (ytd only)* | 216.9197% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,493 |
| Loan loss allowance to noncurrent loans | 47.7382% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4718% | 4,028 |
| Noncurrent loans to loans | 2.6533% | 2,726 |
| Net loans and leases to total assets | 54.6385% | 6,366 |
| Net loans and leases to deposits | 70.9120% | 5,879 |
| Net loans and leases to core deposits | 84.5592% | 6,044 |
| Total domestic deposits to total assets | 77.0511% | 6,316 |
| Equity capital to assets | 11.3148% | 2,668 |
| Core capital (leverage) ratio | 10.7138% | 2,651 |
| Tier 1 risk-based capital ratio | 16.7589% | 2,378 |
| Total risk-based capital ratio | 17.8466% | 2,368 |
| Memoranda: | ||
| Average total assets | $142,654,330 | 4,123 |
| Average earning assets | $137,002,000 | 4,009 |
| Average equity | $16,527,000 | 3,810 |
| Average total loans | $79,570,000 | 4,597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8582% | 2,995 |
| Cost of funding earning assets | 1.6442% | 5,841 |
| Net interest margin | 4.2139% | 1,847 |
| Noninterest income to average assets | 0.4078% | 5,155 |
| Noninterest expense to average assets | 2.2287% | 6,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1116% | 277 |
| Return on assets (ROA) | 2.4857% | 168 |
| Pretax return on assets | 2.6170% | 207 |
| Return on Equity (ROE) | 21.2107% | 348 |
| Retained earnings to average equity (ytd only) | -16.9209% | 7,530 |
| Net charge-offs to loans | -0.0050% | 7,179 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0627% | 7,584 |
| Assets per employee ($millions) | 4.6577% | 2,501 |
| Cash dividends to net income (ytd only)* | 179.7753% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,594 |
| Loan loss allowance to noncurrent loans | 6,043.7500% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 7,608 |
| Noncurrent loans to loans | 0.0203% | 7,496 |
| Net loans and leases to total assets | 53.8261% | 6,483 |
| Net loans and leases to deposits | 70.3811% | 5,943 |
| Net loans and leases to core deposits | 83.5320% | 6,094 |
| Total domestic deposits to total assets | 76.4781% | 6,411 |
| Equity capital to assets | 11.4219% | 2,641 |
| Core capital (leverage) ratio | 11.0269% | 2,480 |
| Tier 1 risk-based capital ratio | 18.1873% | 2,007 |
| Total risk-based capital ratio | 19.3108% | 1,985 |
| Memoranda: | ||
| Average total assets | $143,220,000 | 4,122 |
| Average earning assets | $137,449,500 | 4,006 |
| Average equity | $16,784,000 | 3,775 |
| Average total loans | $80,196,000 | 4,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2497% | 4,243 |
| Cost of funding earning assets | 2.0082% | 6,388 |
| Net interest margin | 4.2415% | 2,153 |
| Noninterest income to average assets | 0.4450% | 5,075 |
| Noninterest expense to average assets | 2.2846% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1052% | 289 |
| Return on assets (ROA) | 2.0922% | 282 |
| Pretax return on assets | 2.2020% | 396 |
| Return on Equity (ROE) | 18.0446% | 521 |
| Retained earnings to average equity (ytd only) | 4.1165% | 2,567 |
| Net charge-offs to loans | -0.0061% | 7,802 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7656% | 7,606 |
| Assets per employee ($millions) | 4.4391% | 2,712 |
| Cash dividends to net income (ytd only)* | 77.1870% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 4,686 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,589 |
| Noncurrent loans to loans | 0.0171% | 7,463 |
| Net loans and leases to total assets | 56.8387% | 6,346 |
| Net loans and leases to deposits | 75.7688% | 5,613 |
| Net loans and leases to core deposits | 89.0246% | 5,888 |
| Total domestic deposits to total assets | 75.0160% | 6,448 |
| Equity capital to assets | 12.0210% | 2,276 |
| Core capital (leverage) ratio | 11.7286% | 2,111 |
| Tier 1 risk-based capital ratio | 18.4097% | 1,936 |
| Total risk-based capital ratio | 19.4964% | 1,928 |
| Memoranda: | ||
| Average total assets | $139,327,000 | 4,093 |
| Average earning assets | $133,206,200 | 3,987 |
| Average equity | $16,154,400 | 3,899 |
| Average total loans | $82,374,600 | 4,442 |