Home > Iowa Trust & Savings Bank > Performance and Condition Ratios
Iowa Trust & 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 | 5.2496% | 1,575 |
| Cost of funding earning assets | 2.0255% | 888 |
| Net interest margin | 3.2241% | 2,817 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.2047% | 3,115 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8637% | 2,655 |
| Return on assets (ROA) | 0.8542% | 2,664 |
| Pretax return on assets | 0.8937% | 2,978 |
| Return on Equity (ROE) | 8.2300% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.4675% | 3,135 |
| Net charge-offs to loans | -0.0075% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.1520% | 2,215 |
| Assets per employee ($millions) | 11.3678% | 484 |
| Cash dividends to net income (ytd only)* | 57.8922% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 508 |
| Loan loss allowance to noncurrent loans | 199.9706% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 804 |
| Noncurrent loans to loans | 0.9160% | 818 |
| Net loans and leases to total assets | 66.8400% | 2,166 |
| Net loans and leases to deposits | 88.2920% | 1,402 |
| Net loans and leases to core deposits | 105.3190% | 1,145 |
| Total domestic deposits to total assets | 75.7000% | 3,971 |
| Equity capital to assets | 9.9670% | 2,030 |
| Core capital (leverage) ratio | 9.5345% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1177% | 2,546 |
| Memoranda: | ||
| Average total assets | $495,447,600 | 1,738 |
| Average earning assets | $460,341,600 | 1,730 |
| Average equity | $51,390,800 | 1,573 |
| Average total loans | $334,206,200 | 1,670 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 1,480 |
| Cost of funding earning assets | 1.9478% | 785 |
| Net interest margin | 3.2382% | 2,830 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.1939% | 3,093 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8831% | 2,742 |
| Return on assets (ROA) | 0.8703% | 2,779 |
| Pretax return on assets | 0.9114% | 3,076 |
| Return on Equity (ROE) | 8.3000% | 3,108 |
| Retained earnings to average equity (ytd only) | 4.7443% | 3,023 |
| Net charge-offs to loans | -0.0082% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.4288% | 1,971 |
| Assets per employee ($millions) | 11.9109% | 387 |
| Cash dividends to net income (ytd only)* | 42.8299% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,707 |
| Loan loss allowance to noncurrent loans | 123.2021% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 924 |
| Noncurrent loans to loans | 0.9209% | 892 |
| Net loans and leases to total assets | 67.5600% | 2,097 |
| Net loans and leases to deposits | 91.6488% | 1,084 |
| Net loans and leases to core deposits | 111.4640% | 820 |
| Total domestic deposits to total assets | 73.7100% | 4,177 |
| Equity capital to assets | 9.9900% | 1,837 |
| Core capital (leverage) ratio | 10.5707% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8793% | 2,309 |
| Memoranda: | ||
| Average total assets | $482,896,250 | 1,770 |
| Average earning assets | $449,997,500 | 1,757 |
| Average equity | $50,642,250 | 1,582 |
| Average total loans | $324,879,750 | 1,701 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 1,334 |
| Cost of funding earning assets | 1.8437% | 686 |
| Net interest margin | 3.2747% | 2,813 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.1527% | 3,209 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9643% | 2,532 |
| Return on assets (ROA) | 0.9450% | 2,592 |
| Pretax return on assets | 0.9911% | 2,936 |
| Return on Equity (ROE) | 8.8700% | 3,020 |
| Retained earnings to average equity (ytd only) | 4.7717% | 3,001 |
| Net charge-offs to loans | -0.0081% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1770% | 2,214 |
| Assets per employee ($millions) | 11.8191% | 395 |
| Cash dividends to net income (ytd only)* | 46.1945% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,849 |
| Loan loss allowance to noncurrent loans | 119.5933% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 831 |
| Noncurrent loans to loans | 0.9363% | 816 |
| Net loans and leases to total assets | 67.5200% | 2,006 |
| Net loans and leases to deposits | 92.4942% | 989 |
| Net loans and leases to core deposits | 110.3285% | 813 |
| Total domestic deposits to total assets | 73.0000% | 4,253 |
| Equity capital to assets | 10.7298% | 1,499 |
| Core capital (leverage) ratio | 10.2990% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5208% | 2,086 |
| Memoranda: | ||
| Average total assets | $481,079,667 | 1,770 |
| Average earning assets | $449,748,667 | 1,756 |
| Average equity | $51,261,000 | 1,573 |
| Average total loans | $321,941,333 | 1,698 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,310 |
| Cost of funding earning assets | 1.6341% | 656 |
| Net interest margin | 3.3225% | 2,826 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1038% | 3,370 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0793% | 2,289 |
| Return on assets (ROA) | 1.0373% | 2,381 |
| Pretax return on assets | 1.0865% | 2,745 |
| Return on Equity (ROE) | 9.7700% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.0185% | 2,488 |
| Net charge-offs to loans | -0.0076% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.2911% | 2,536 |
| Assets per employee ($millions) | 13.0694% | 305 |
| Cash dividends to net income (ytd only)* | 28.1577% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,997 |
| Loan loss allowance to noncurrent loans | 116.7688% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 810 |
| Noncurrent loans to loans | 0.9511% | 789 |
| Net loans and leases to total assets | 64.9200% | 2,161 |
| Net loans and leases to deposits | 90.4216% | 1,018 |
| Net loans and leases to core deposits | 106.8779% | 798 |
| Total domestic deposits to total assets | 71.8000% | 4,364 |
| Equity capital to assets | 10.3839% | 1,619 |
| Core capital (leverage) ratio | 10.5634% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2926% | 2,271 |
| Memoranda: | ||
| Average total assets | $479,328,000 | 1,795 |
| Average earning assets | $448,941,000 | 1,780 |
| Average equity | $50,894,000 | 1,590 |
| Average total loans | $317,470,500 | 1,733 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 1,367 |
| Cost of funding earning assets | 0.6129% | 851 |
| Net interest margin | 3.5291% | 1,844 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 1.8556% | 3,918 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3260% | 1,348 |
| Return on assets (ROA) | 1.3231% | 1,316 |
| Pretax return on assets | 1.3851% | 1,808 |
| Return on Equity (ROE) | 11.0200% | 2,470 |
| Retained earnings to average equity (ytd only) | 4.8046% | 3,141 |
| Net charge-offs to loans | -0.0035% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.4000% | 3,640 |
| Assets per employee ($millions) | 11.5505% | 444 |
| Cash dividends to net income (ytd only)* | 56.3877% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,665 |
| Loan loss allowance to noncurrent loans | 116.7051% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 759 |
| Noncurrent loans to loans | 0.9825% | 747 |
| Net loans and leases to total assets | 66.0900% | 2,031 |
| Net loans and leases to deposits | 92.8930% | 855 |
| Net loans and leases to core deposits | 108.0665% | 671 |
| Total domestic deposits to total assets | 71.1500% | 4,445 |
| Equity capital to assets | 10.8692% | 1,317 |
| Core capital (leverage) ratio | 10.9271% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7121% | 2,086 |
| Memoranda: | ||
| Average total assets | $428,921,000 | 1,926 |
| Average earning assets | $401,713,800 | 1,914 |
| Average equity | $51,512,600 | 1,576 |
| Average total loans | $284,066,600 | 1,794 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 1,457 |
| Cost of funding earning assets | 0.4598% | 942 |
| Net interest margin | 3.4525% | 1,798 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.8362% | 3,908 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2771% | 1,433 |
| Return on assets (ROA) | 1.2793% | 1,393 |
| Pretax return on assets | 1.3395% | 1,924 |
| Return on Equity (ROE) | 10.3800% | 2,616 |
| Retained earnings to average equity (ytd only) | 6.6515% | 2,495 |
| Net charge-offs to loans | -0.0029% | 3,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.9734% | 3,625 |
| Assets per employee ($millions) | 11.4545% | 451 |
| Cash dividends to net income (ytd only)* | 35.9267% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,468 |
| Loan loss allowance to noncurrent loans | 122.6790% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 837 |
| Noncurrent loans to loans | 0.9877% | 786 |
| Net loans and leases to total assets | 63.1800% | 2,173 |
| Net loans and leases to deposits | 86.5326% | 1,137 |
| Net loans and leases to core deposits | 90.8206% | 1,248 |
| Total domestic deposits to total assets | 73.0100% | 4,482 |
| Equity capital to assets | 10.7997% | 1,253 |
| Core capital (leverage) ratio | 11.3069% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4823% | 1,884 |
| Memoranda: | ||
| Average total assets | $420,646,250 | 1,964 |
| Average earning assets | $394,106,250 | 1,947 |
| Average equity | $51,836,250 | 1,597 |
| Average total loans | $277,855,500 | 1,818 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 1,325 |
| Cost of funding earning assets | 0.4006% | 915 |
| Net interest margin | 3.3958% | 1,619 |
| Noninterest income to average assets | 0.1010% | 4,479 |
| Noninterest expense to average assets | 1.9070% | 3,685 |
| Loan and lease loss provision to assets | 0.0723% | 1,330 |
| Net operating income to assets | 1.2479% | 1,283 |
| Return on assets (ROA) | 1.2511% | 1,261 |
| Pretax return on assets | 1.3103% | 1,714 |
| Return on Equity (ROE) | 9.7184% | 2,442 |
| Retained earnings to average equity (ytd only) | 5.5701% | 2,483 |
| Net charge-offs to loans | -0.0007% | 3,012 |
| Credit loss provision to net charge-offs | -14,900.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4088% | 3,634 |
| Assets per employee ($millions) | 11.0649% | 481 |
| Cash dividends to net income (ytd only)* | 42.6853% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,493 |
| Loan loss allowance to noncurrent loans | 119.5053% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 790 |
| Noncurrent loans to loans | 1.0340% | 809 |
| Net loans and leases to total assets | 66.0246% | 1,686 |
| Net loans and leases to deposits | 80.7578% | 1,332 |
| Net loans and leases to core deposits | 84.7838% | 1,407 |
| Total domestic deposits to total assets | 81.7563% | 4,040 |
| Equity capital to assets | 12.3297% | 792 |
| Core capital (leverage) ratio | 11.5523% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7971% | 1,767 |
| Memoranda: | ||
| Average total assets | $411,953,333 | 2,000 |
| Average earning assets | $386,420,000 | 1,995 |
| Average equity | $53,033,333 | 1,607 |
| Average total loans | $275,238,333 | 1,826 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 1,147 |
| Cost of funding earning assets | 0.3672% | 1,078 |
| Net interest margin | 3.3993% | 1,297 |
| Noninterest income to average assets | 0.2827% | 3,437 |
| Noninterest expense to average assets | 2.0318% | 3,348 |
| Loan and lease loss provision to assets | 0.0716% | 1,151 |
| Net operating income to assets | 1.3216% | 959 |
| Return on assets (ROA) | 1.3281% | 935 |
| Pretax return on assets | 1.3852% | 1,284 |
| Return on Equity (ROE) | 10.1048% | 1,929 |
| Retained earnings to average equity (ytd only) | 7.5270% | 1,724 |
| Net charge-offs to loans | -0.0043% | 3,297 |
| Credit loss provision to net charge-offs | -2,466.6667% | 3,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7704% | 3,705 |
| Assets per employee ($millions) | 11.6229% | 438 |
| Cash dividends to net income (ytd only)* | 25.5102% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.4095% | 1,570 |
| Net loans and leases to deposits | 81.1836% | 1,060 |
| Net loans and leases to core deposits | 85.2864% | 1,168 |
| Total domestic deposits to total assets | 79.3380% | 4,328 |
| Equity capital to assets | 12.7234% | 753 |
| Core capital (leverage) ratio | 11.5075% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9994% | 1,793 |
| Memoranda: | ||
| Average total assets | $413,229,000 | 2,002 |
| Average earning assets | $388,908,000 | 1,993 |
| Average equity | $54,311,000 | 1,617 |
| Average total loans | $276,013,500 | 1,811 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 1,110 |
| Cost of funding earning assets | 0.4617% | 1,116 |
| Net interest margin | 3.6694% | 1,292 |
| Noninterest income to average assets | 0.2116% | 4,104 |
| Noninterest expense to average assets | 2.1243% | 3,325 |
| Loan and lease loss provision to assets | 0.0547% | 1,957 |
| Net operating income to assets | 1.4258% | 1,193 |
| Return on assets (ROA) | 1.4258% | 1,261 |
| Pretax return on assets | 1.4888% | 1,760 |
| Return on Equity (ROE) | 10.0299% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.1645% | 3,160 |
| Net charge-offs to loans | -0.0058% | 3,586 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3133% | 3,544 |
| Assets per employee ($millions) | 11.6581% | 431 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.6373% | 1,313 |
| Net loans and leases to deposits | 86.3213% | 761 |
| Net loans and leases to core deposits | 91.6126% | 900 |
| Total domestic deposits to total assets | 78.3554% | 4,358 |
| Equity capital to assets | 13.5734% | 750 |
| Core capital (leverage) ratio | 11.6078% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9669% | 1,854 |
| Memoranda: | ||
| Average total assets | $383,797,400 | 2,047 |
| Average earning assets | $361,505,200 | 2,036 |
| Average equity | $54,556,800 | 1,643 |
| Average total loans | $259,474,000 | 1,881 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 1,055 |
| Cost of funding earning assets | 0.4816% | 1,153 |
| Net interest margin | 3.7547% | 1,214 |
| Noninterest income to average assets | 0.2513% | 3,887 |
| Noninterest expense to average assets | 2.0567% | 3,496 |
| Loan and lease loss provision to assets | 0.0633% | 1,734 |
| Net operating income to assets | 1.5954% | 1,048 |
| Return on assets (ROA) | 1.5954% | 1,090 |
| Pretax return on assets | 1.6650% | 1,502 |
| Return on Equity (ROE) | 11.0883% | 2,352 |
| Retained earnings to average equity (ytd only) | 7.4086% | 2,269 |
| Net charge-offs to loans | -0.0052% | 3,449 |
| Credit loss provision to net charge-offs | -1,790.0000% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7536% | 3,840 |
| Assets per employee ($millions) | 11.9308% | 373 |
| Cash dividends to net income (ytd only)* | 33.1858% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,924 |
| 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 | 66.0529% | 1,539 |
| Net loans and leases to deposits | 83.7340% | 979 |
| Net loans and leases to core deposits | 89.9165% | 1,038 |
| Total domestic deposits to total assets | 78.8841% | 4,344 |
| Equity capital to assets | 14.2036% | 689 |
| Core capital (leverage) ratio | 12.5533% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8448% | 1,669 |
| Memoranda: | ||
| Average total assets | $377,738,750 | 2,098 |
| Average earning assets | $355,495,000 | 2,078 |
| Average equity | $54,350,000 | 1,669 |
| Average total loans | $254,539,250 | 1,931 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 858 |
| Cost of funding earning assets | 0.5138% | 1,126 |
| Net interest margin | 3.8808% | 1,008 |
| Noninterest income to average assets | 0.2658% | 3,807 |
| Noninterest expense to average assets | 2.0864% | 3,425 |
| Loan and lease loss provision to assets | 0.0800% | 1,515 |
| Net operating income to assets | 1.6761% | 909 |
| Return on assets (ROA) | 1.6761% | 958 |
| Pretax return on assets | 1.7502% | 1,357 |
| Return on Equity (ROE) | 11.5966% | 2,201 |
| Retained earnings to average equity (ytd only) | 7.4165% | 2,283 |
| Net charge-offs to loans | -0.0056% | 3,469 |
| Credit loss provision to net charge-offs | -2,128.5714% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6944% | 3,963 |
| Assets per employee ($millions) | 11.2704% | 431 |
| Cash dividends to net income (ytd only)* | 36.0461% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,779 |
| Loan loss allowance to noncurrent loans | 1,951.8519% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,963 |
| Noncurrent loans to loans | 0.0629% | 3,869 |
| Net loans and leases to total assets | 68.3634% | 1,403 |
| Net loans and leases to deposits | 87.6390% | 798 |
| Net loans and leases to core deposits | 94.9047% | 863 |
| Total domestic deposits to total assets | 78.0057% | 4,433 |
| Equity capital to assets | 14.8382% | 558 |
| Core capital (leverage) ratio | 12.3554% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9917% | 1,634 |
| Memoranda: | ||
| Average total assets | $372,412,333 | 2,107 |
| Average earning assets | $350,338,000 | 2,089 |
| Average equity | $53,826,000 | 1,669 |
| Average total loans | $251,633,000 | 1,953 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 1,060 |
| Cost of funding earning assets | 0.5636% | 1,035 |
| Net interest margin | 3.7249% | 1,278 |
| Noninterest income to average assets | 0.3671% | 3,259 |
| Noninterest expense to average assets | 2.1103% | 3,390 |
| Loan and lease loss provision to assets | 0.0816% | 1,585 |
| Net operating income to assets | 1.6122% | 1,110 |
| Return on assets (ROA) | 1.6122% | 1,157 |
| Pretax return on assets | 1.6798% | 1,536 |
| Return on Equity (ROE) | 11.3048% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.6705% | 2,044 |
| Net charge-offs to loans | -0.0096% | 3,652 |
| Credit loss provision to net charge-offs | -1,266.6667% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9229% | 3,790 |
| Assets per employee ($millions) | 11.9035% | 357 |
| Cash dividends to net income (ytd only)* | 23.3023% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,732 |
| Loan loss allowance to noncurrent loans | 2,174.6479% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,106 |
| Noncurrent loans to loans | 0.0569% | 4,002 |
| Net loans and leases to total assets | 64.7204% | 1,953 |
| Net loans and leases to deposits | 82.7461% | 1,270 |
| Net loans and leases to core deposits | 89.7516% | 1,249 |
| Total domestic deposits to total assets | 78.2156% | 4,416 |
| Equity capital to assets | 14.2831% | 612 |
| Core capital (leverage) ratio | 12.4485% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0797% | 1,542 |
| Memoranda: | ||
| Average total assets | $372,656,500 | 2,094 |
| Average earning assets | $350,616,500 | 2,076 |
| Average equity | $53,145,500 | 1,678 |
| Average total loans | $248,738,500 | 1,973 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 1,517 |
| Cost of funding earning assets | 0.8744% | 930 |
| Net interest margin | 3.5468% | 2,320 |
| Noninterest income to average assets | 0.1552% | 4,516 |
| Noninterest expense to average assets | 1.9752% | 4,186 |
| Loan and lease loss provision to assets | 0.1460% | 2,548 |
| Net operating income to assets | 1.3404% | 1,147 |
| Return on assets (ROA) | 1.5041% | 873 |
| Pretax return on assets | 1.5809% | 1,114 |
| Return on Equity (ROE) | 11.2294% | 1,547 |
| Retained earnings to average equity (ytd only) | 2.6503% | 3,526 |
| Net charge-offs to loans | -0.0110% | 4,277 |
| Credit loss provision to net charge-offs | -1,870.3704% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2616% | 4,070 |
| Assets per employee ($millions) | 11.7549% | 337 |
| Cash dividends to net income (ytd only)* | 76.3982% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,874 |
| 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 | 67.1939% | 1,930 |
| Net loans and leases to deposits | 86.0276% | 1,254 |
| Net loans and leases to core deposits | 97.0799% | 1,055 |
| Total domestic deposits to total assets | 78.1074% | 4,307 |
| Equity capital to assets | 14.2384% | 744 |
| Core capital (leverage) ratio | 12.2823% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8807% | 1,573 |
| Memoranda: | ||
| Average total assets | $345,932,200 | 2,071 |
| Average earning assets | $329,140,400 | 2,031 |
| Average equity | $46,333,600 | 1,801 |
| Average total loans | $246,540,400 | 1,938 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 1,678 |
| Cost of funding earning assets | 0.9204% | 998 |
| Net interest margin | 3.5385% | 2,465 |
| Noninterest income to average assets | 0.1223% | 4,675 |
| Noninterest expense to average assets | 1.9688% | 4,216 |
| Loan and lease loss provision to assets | 0.1866% | 2,121 |
| Net operating income to assets | 1.2754% | 1,409 |
| Return on assets (ROA) | 1.4965% | 994 |
| Pretax return on assets | 1.5754% | 1,257 |
| Return on Equity (ROE) | 11.3645% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.3574% | 2,403 |
| Net charge-offs to loans | -0.0130% | 4,293 |
| Credit loss provision to net charge-offs | -1,991.6667% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5779% | 3,975 |
| Assets per employee ($millions) | 10.8768% | 393 |
| Cash dividends to net income (ytd only)* | 52.8583% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,399 |
| Loan loss allowance to noncurrent loans | 132.0905% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 1,858 |
| Noncurrent loans to loans | 0.9450% | 1,594 |
| Net loans and leases to total assets | 65.5919% | 2,568 |
| Net loans and leases to deposits | 84.3534% | 1,871 |
| Net loans and leases to core deposits | 98.8255% | 1,256 |
| Total domestic deposits to total assets | 77.7584% | 4,234 |
| Equity capital to assets | 14.3187% | 779 |
| Core capital (leverage) ratio | 12.6884% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7061% | 1,099 |
| Memoranda: | ||
| Average total assets | $341,314,750 | 2,074 |
| Average earning assets | $325,630,250 | 2,027 |
| Average equity | $44,945,750 | 1,839 |
| Average total loans | $246,210,000 | 1,942 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,639 |
| Cost of funding earning assets | 0.9699% | 1,072 |
| Net interest margin | 3.6364% | 2,357 |
| Noninterest income to average assets | 0.0012% | 5,009 |
| Noninterest expense to average assets | 1.8412% | 4,498 |
| Loan and lease loss provision to assets | 0.2695% | 1,589 |
| Net operating income to assets | 1.2895% | 1,386 |
| Return on assets (ROA) | 1.6271% | 789 |
| Pretax return on assets | 1.7195% | 961 |
| Return on Equity (ROE) | 12.7535% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.6267% | 2,225 |
| Net charge-offs to loans | -0.0121% | 4,256 |
| Credit loss provision to net charge-offs | -3,013.3333% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2649% | 4,335 |
| Assets per employee ($millions) | 10.4657% | 445 |
| Cash dividends to net income (ytd only)* | 55.8813% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.5527% | 2,104 |
| Net loans and leases to deposits | 90.5924% | 1,296 |
| Net loans and leases to core deposits | 110.6935% | 713 |
| Total domestic deposits to total assets | 76.7755% | 4,346 |
| Equity capital to assets | 14.2423% | 798 |
| Core capital (leverage) ratio | 12.9004% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2659% | 1,186 |
| Memoranda: | ||
| Average total assets | $335,441,000 | 2,070 |
| Average earning assets | $320,429,000 | 2,025 |
| Average equity | $42,796,000 | 1,892 |
| Average total loans | $248,810,333 | 1,911 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 1,690 |
| Cost of funding earning assets | 1.1079% | 1,022 |
| Net interest margin | 3.5979% | 2,668 |
| Noninterest income to average assets | 0.2054% | 4,319 |
| Noninterest expense to average assets | 2.1338% | 4,153 |
| Loan and lease loss provision to assets | 0.0320% | 3,371 |
| Net operating income to assets | 1.4005% | 976 |
| Return on assets (ROA) | 2.0256% | 284 |
| Pretax return on assets | 2.1326% | 349 |
| Return on Equity (ROE) | 16.9556% | 344 |
| Retained earnings to average equity (ytd only) | 10.2639% | 698 |
| Net charge-offs to loans | -0.0113% | 4,116 |
| Credit loss provision to net charge-offs | -371.4286% | 3,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9054% | 4,013 |
| Assets per employee ($millions) | 9.4249% | 454 |
| Cash dividends to net income (ytd only)* | 39.4657% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.5426% | 1,378 |
| Net loans and leases to deposits | 95.2642% | 978 |
| Net loans and leases to core deposits | 118.6717% | 509 |
| Total domestic deposits to total assets | 79.2980% | 3,996 |
| Equity capital to assets | 11.8886% | 2,148 |
| Core capital (leverage) ratio | 10.3712% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9041% | 2,751 |
| Memoranda: | ||
| Average total assets | $325,244,000 | 2,066 |
| Average earning assets | $310,511,000 | 2,023 |
| Average equity | $38,854,500 | 2,029 |
| Average total loans | $247,998,500 | 1,878 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 1,993 |
| Cost of funding earning assets | 1.1714% | 1,091 |
| Net interest margin | 3.6456% | 2,977 |
| Noninterest income to average assets | 0.1375% | 4,788 |
| Noninterest expense to average assets | 2.0255% | 4,487 |
| Loan and lease loss provision to assets | 0.0139% | 3,736 |
| Net operating income to assets | 1.5024% | 1,048 |
| Return on assets (ROA) | 1.6071% | 887 |
| Pretax return on assets | 1.6921% | 1,207 |
| Return on Equity (ROE) | 13.3753% | 1,051 |
| Retained earnings to average equity (ytd only) | 4.2600% | 2,830 |
| Net charge-offs to loans | -0.0151% | 4,573 |
| Credit loss provision to net charge-offs | -126.4706% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1770% | 4,304 |
| Assets per employee ($millions) | 9.1605% | 476 |
| Cash dividends to net income (ytd only)* | 68.1499% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,424 |
| 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 | 75.4242% | 1,519 |
| Net loans and leases to deposits | 95.6079% | 982 |
| Net loans and leases to core deposits | 116.1271% | 590 |
| Total domestic deposits to total assets | 78.8891% | 4,207 |
| Equity capital to assets | 12.0056% | 2,134 |
| Core capital (leverage) ratio | 10.2585% | 3,231 |
| Tier 1 risk-based capital ratio | 11.7396% | 4,504 |
| Total risk-based capital ratio | 12.6396% | 4,567 |
| Memoranda: | ||
| Average total assets | $310,440,400 | 2,104 |
| Average earning assets | $296,656,800 | 2,047 |
| Average equity | $37,300,200 | 2,042 |
| Average total loans | $225,322,000 | 1,987 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 2,053 |
| Cost of funding earning assets | 1.1599% | 1,137 |
| Net interest margin | 3.6624% | 3,054 |
| Noninterest income to average assets | 0.1264% | 4,894 |
| Noninterest expense to average assets | 1.9651% | 4,617 |
| Loan and lease loss provision to assets | 0.0186% | 3,536 |
| Net operating income to assets | 1.5607% | 1,025 |
| Return on assets (ROA) | 1.6113% | 945 |
| Pretax return on assets | 1.6962% | 1,342 |
| Return on Equity (ROE) | 13.4079% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.3814% | 2,181 |
| Net charge-offs to loans | -0.0151% | 4,503 |
| Credit loss provision to net charge-offs | -172.0000% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4328% | 4,449 |
| Assets per employee ($millions) | 8.9826% | 485 |
| Cash dividends to net income (ytd only)* | 52.4054% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,217 |
| 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 | 73.0061% | 1,997 |
| Net loans and leases to deposits | 92.2016% | 1,410 |
| Net loans and leases to core deposits | 113.6404% | 773 |
| Total domestic deposits to total assets | 79.1810% | 4,148 |
| Equity capital to assets | 12.3646% | 1,999 |
| Core capital (leverage) ratio | 10.3747% | 3,230 |
| Tier 1 risk-based capital ratio | 12.4409% | 4,182 |
| Total risk-based capital ratio | 13.3877% | 4,239 |
| Memoranda: | ||
| Average total assets | $307,896,500 | 2,137 |
| Average earning assets | $294,261,500 | 2,077 |
| Average equity | $37,002,250 | 2,061 |
| Average total loans | $220,578,500 | 2,035 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,526 |
| Cost of funding earning assets | 1.2045% | 980 |
| Net interest margin | 3.7786% | 2,654 |
| Noninterest income to average assets | 0.1086% | 5,005 |
| Noninterest expense to average assets | 2.0947% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5910% | 930 |
| Return on assets (ROA) | 1.6014% | 953 |
| Pretax return on assets | 1.6856% | 1,301 |
| Return on Equity (ROE) | 14.3522% | 907 |
| Retained earnings to average equity (ytd only) | 6.0518% | 2,262 |
| Net charge-offs to loans | -0.0171% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5729% | 4,297 |
| Assets per employee ($millions) | 8.5774% | 540 |
| Cash dividends to net income (ytd only)* | 57.8339% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,425 |
| 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 | 78.4661% | 1,134 |
| Net loans and leases to deposits | 96.7298% | 959 |
| Net loans and leases to core deposits | 123.9144% | 433 |
| Total domestic deposits to total assets | 81.1189% | 3,770 |
| Equity capital to assets | 11.4438% | 2,648 |
| Core capital (leverage) ratio | 10.7882% | 2,798 |
| Tier 1 risk-based capital ratio | 12.2394% | 4,275 |
| Total risk-based capital ratio | 13.3545% | 4,246 |
| Memoranda: | ||
| Average total assets | $237,548,000 | 2,568 |
| Average earning assets | $230,138,670 | 2,500 |
| Average equity | $26,504,670 | 2,599 |
| Average total loans | $187,429,670 | 2,282 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 1,813 |
| Cost of funding earning assets | 1.0875% | 1,228 |
| Net interest margin | 3.7442% | 2,729 |
| Noninterest income to average assets | -0.1118% | 5,338 |
| Noninterest expense to average assets | 1.8354% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6003% | 895 |
| Return on assets (ROA) | 1.5408% | 1,057 |
| Pretax return on assets | 1.6221% | 1,414 |
| Return on Equity (ROE) | 13.9919% | 973 |
| Retained earnings to average equity (ytd only) | 5.5353% | 2,678 |
| Net charge-offs to loans | -0.0022% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1405% | 4,688 |
| Assets per employee ($millions) | 8.4466% | 570 |
| Cash dividends to net income (ytd only)* | 60.4396% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,395 |
| Loan loss allowance to noncurrent loans | 3,080.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,681 |
| Noncurrent loans to loans | 0.0402% | 4,587 |
| Net loans and leases to total assets | 77.9663% | 1,158 |
| Net loans and leases to deposits | 93.1043% | 1,271 |
| Net loans and leases to core deposits | 116.0454% | 648 |
| Total domestic deposits to total assets | 83.7408% | 3,134 |
| Equity capital to assets | 11.2395% | 2,613 |
| Core capital (leverage) ratio | 10.8339% | 2,734 |
| Tier 1 risk-based capital ratio | 12.0948% | 4,410 |
| Total risk-based capital ratio | 13.2089% | 4,375 |
| Memoranda: | ||
| Average total assets | $236,239,000 | 2,597 |
| Average earning assets | $229,153,500 | 2,526 |
| Average equity | $26,015,000 | 2,641 |
| Average total loans | $185,757,500 | 2,313 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 1,258 |
| Cost of funding earning assets | 0.8132% | 1,458 |
| Net interest margin | 4.0962% | 1,689 |
| Noninterest income to average assets | 0.1992% | 4,709 |
| Noninterest expense to average assets | 2.1788% | 4,390 |
| Loan and lease loss provision to assets | 0.1033% | 2,129 |
| Net operating income to assets | 1.7778% | 584 |
| Return on assets (ROA) | 1.7778% | 580 |
| Pretax return on assets | 1.8875% | 741 |
| Return on Equity (ROE) | 16.6821% | 523 |
| Retained earnings to average equity (ytd only) | 6.3870% | 1,980 |
| Net charge-offs to loans | -0.0111% | 4,526 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2547% | 4,773 |
| Assets per employee ($millions) | 8.4276% | 570 |
| Cash dividends to net income (ytd only)* | 61.7135% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.3401% | 1,386 |
| Net loans and leases to deposits | 93.9091% | 1,295 |
| Net loans and leases to core deposits | 117.0208% | 650 |
| Total domestic deposits to total assets | 82.3564% | 3,534 |
| Equity capital to assets | 10.7843% | 2,895 |
| Core capital (leverage) ratio | 10.5993% | 2,929 |
| Tier 1 risk-based capital ratio | 11.7226% | 4,614 |
| Total risk-based capital ratio | 12.8176% | 4,591 |
| Memoranda: | ||
| Average total assets | $232,421,400 | 2,601 |
| Average earning assets | $225,279,400 | 2,523 |
| Average equity | $24,769,000 | 2,657 |
| Average total loans | $179,985,400 | 2,334 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 1,472 |
| Cost of funding earning assets | 0.7604% | 1,533 |
| Net interest margin | 4.0220% | 1,887 |
| Noninterest income to average assets | 0.1906% | 4,834 |
| Noninterest expense to average assets | 2.1641% | 4,403 |
| Loan and lease loss provision to assets | 0.1382% | 1,450 |
| Net operating income to assets | 1.6775% | 789 |
| Return on assets (ROA) | 1.6775% | 790 |
| Pretax return on assets | 1.7869% | 1,040 |
| Return on Equity (ROE) | 15.7887% | 729 |
| Retained earnings to average equity (ytd only) | 8.4716% | 1,434 |
| Net charge-offs to loans | -0.0022% | 4,102 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9221% | 4,716 |
| Assets per employee ($millions) | 8.2944% | 570 |
| Cash dividends to net income (ytd only)* | 46.3441% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,243 |
| Loan loss allowance to noncurrent loans | 601.3123% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 4,142 |
| Noncurrent loans to loans | 0.2116% | 3,950 |
| Net loans and leases to total assets | 76.5370% | 1,579 |
| Net loans and leases to deposits | 95.3851% | 1,223 |
| Net loans and leases to core deposits | 115.7927% | 726 |
| Total domestic deposits to total assets | 80.2400% | 4,058 |
| Equity capital to assets | 10.7263% | 2,916 |
| Core capital (leverage) ratio | 10.8938% | 2,683 |
| Tier 1 risk-based capital ratio | 11.9638% | 4,521 |
| Total risk-based capital ratio | 13.0735% | 4,477 |
| Memoranda: | ||
| Average total assets | $231,533,750 | 2,612 |
| Average earning assets | $224,427,500 | 2,541 |
| Average equity | $24,599,250 | 2,680 |
| Average total loans | $178,779,250 | 2,356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 1,400 |
| Cost of funding earning assets | 0.7043% | 1,601 |
| Net interest margin | 4.0393% | 1,730 |
| Noninterest income to average assets | 0.1824% | 4,917 |
| Noninterest expense to average assets | 2.1453% | 4,499 |
| Loan and lease loss provision to assets | 0.1548% | 1,221 |
| Net operating income to assets | 1.6810% | 751 |
| Return on assets (ROA) | 1.6810% | 759 |
| Pretax return on assets | 1.8003% | 963 |
| Return on Equity (ROE) | 15.8724% | 694 |
| Retained earnings to average equity (ytd only) | 8.9323% | 1,240 |
| Net charge-offs to loans | -0.0067% | 4,181 |
| Credit loss provision to net charge-offs | -2,983.3333% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3197% | 4,857 |
| Assets per employee ($millions) | 8.2871% | 563 |
| Cash dividends to net income (ytd only)* | 43.7243% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,306 |
| Loan loss allowance to noncurrent loans | 134.1742% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 2,084 |
| Noncurrent loans to loans | 0.9485% | 1,835 |
| Net loans and leases to total assets | 74.6914% | 1,836 |
| Net loans and leases to deposits | 91.2121% | 1,681 |
| Net loans and leases to core deposits | 108.6288% | 1,078 |
| Total domestic deposits to total assets | 81.8876% | 3,752 |
| Equity capital to assets | 10.7007% | 2,932 |
| Core capital (leverage) ratio | 10.4809% | 3,052 |
| Tier 1 risk-based capital ratio | 12.3829% | 4,255 |
| Total risk-based capital ratio | 13.5246% | 4,200 |
| Memoranda: | ||
| Average total assets | $231,297,670 | 2,627 |
| Average earning assets | $224,345,000 | 2,557 |
| Average equity | $24,495,330 | 2,702 |
| Average total loans | $178,358,330 | 2,367 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 1,602 |
| Cost of funding earning assets | 0.6108% | 1,980 |
| Net interest margin | 3.9806% | 1,786 |
| Noninterest income to average assets | 0.2079% | 4,780 |
| Noninterest expense to average assets | 2.1894% | 4,445 |
| Loan and lease loss provision to assets | 0.1542% | 1,174 |
| Net operating income to assets | 1.5728% | 914 |
| Return on assets (ROA) | 1.5728% | 924 |
| Pretax return on assets | 1.7252% | 1,054 |
| Return on Equity (ROE) | 14.9293% | 813 |
| Retained earnings to average equity (ytd only) | 9.1746% | 1,404 |
| Net charge-offs to loans | -0.0089% | 4,199 |
| Credit loss provision to net charge-offs | -2,225.0000% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8101% | 4,817 |
| Assets per employee ($millions) | 8.6337% | 503 |
| Cash dividends to net income (ytd only)* | 38.5463% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,768 |
| Loan loss allowance to noncurrent loans | 536.8421% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 4,228 |
| Noncurrent loans to loans | 0.2248% | 3,977 |
| Net loans and leases to total assets | 75.2332% | 1,664 |
| Net loans and leases to deposits | 90.1820% | 1,671 |
| Net loans and leases to core deposits | 107.7347% | 1,141 |
| Total domestic deposits to total assets | 83.4237% | 3,532 |
| Equity capital to assets | 10.4380% | 3,133 |
| Core capital (leverage) ratio | 10.4624% | 2,993 |
| Tier 1 risk-based capital ratio | 12.2300% | 4,416 |
| Total risk-based capital ratio | 13.3356% | 4,391 |
| Memoranda: | ||
| Average total assets | $230,926,500 | 2,658 |
| Average earning assets | $223,986,500 | 2,580 |
| Average equity | $24,328,000 | 2,737 |
| Average total loans | $179,763,500 | 2,364 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 1,423 |
| Cost of funding earning assets | 0.4912% | 2,416 |
| Net interest margin | 4.1109% | 1,403 |
| Noninterest income to average assets | 0.2294% | 4,770 |
| Noninterest expense to average assets | 2.2408% | 4,452 |
| Loan and lease loss provision to assets | 0.3069% | 559 |
| Net operating income to assets | 1.5709% | 690 |
| Return on assets (ROA) | 1.6588% | 590 |
| Pretax return on assets | 1.7461% | 904 |
| Return on Equity (ROE) | 15.3058% | 569 |
| Retained earnings to average equity (ytd only) | 6.4697% | 1,292 |
| Net charge-offs to loans | 0.0465% | 2,856 |
| Credit loss provision to net charge-offs | 842.3077% | 413 |
| Earnings coverage of net charge-offs (x) | 53.8077% | 1,035 |
| Efficiency ratio | 53.3356% | 5,006 |
| Assets per employee ($millions) | 8.4720% | 539 |
| Cash dividends to net income (ytd only)* | 57.7302% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,216 |
| Loan loss allowance to noncurrent loans | 500.9780% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,237 |
| Noncurrent loans to loans | 0.2247% | 4,005 |
| Net loans and leases to total assets | 78.6734% | 1,189 |
| Net loans and leases to deposits | 92.4802% | 1,456 |
| Net loans and leases to core deposits | 112.6193% | 863 |
| Total domestic deposits to total assets | 85.0706% | 2,816 |
| Equity capital to assets | 10.6338% | 3,015 |
| Core capital (leverage) ratio | 10.2473% | 3,130 |
| Tier 1 risk-based capital ratio | 11.8386% | 4,635 |
| Total risk-based capital ratio | 12.8870% | 4,649 |
| Memoranda: | ||
| Average total assets | $214,073,400 | 2,776 |
| Average earning assets | $206,838,200 | 2,702 |
| Average equity | $23,200,400 | 2,838 |
| Average total loans | $167,748,400 | 2,447 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,469 |
| Cost of funding earning assets | 0.4661% | 2,559 |
| Net interest margin | 4.0961% | 1,403 |
| Noninterest income to average assets | 0.2237% | 4,878 |
| Noninterest expense to average assets | 2.2299% | 4,467 |
| Loan and lease loss provision to assets | 0.3016% | 518 |
| Net operating income to assets | 1.5639% | 777 |
| Return on assets (ROA) | 1.6831% | 613 |
| Pretax return on assets | 1.7711% | 954 |
| Return on Equity (ROE) | 15.4508% | 597 |
| Retained earnings to average equity (ytd only) | 9.9243% | 604 |
| Net charge-offs to loans | -0.0097% | 4,632 |
| Credit loss provision to net charge-offs | -3,966.6667% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3829% | 4,981 |
| Assets per employee ($millions) | 8.2481% | 576 |
| Cash dividends to net income (ytd only)* | 35.7683% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,727 |
| Loan loss allowance to noncurrent loans | 2,018.5567% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,014 |
| Noncurrent loans to loans | 0.0526% | 4,874 |
| Net loans and leases to total assets | 81.9931% | 689 |
| Net loans and leases to deposits | 96.2816% | 1,092 |
| Net loans and leases to core deposits | 117.4265% | 689 |
| Total domestic deposits to total assets | 85.1597% | 2,654 |
| Equity capital to assets | 11.0531% | 2,814 |
| Core capital (leverage) ratio | 10.6592% | 2,814 |
| Tier 1 risk-based capital ratio | 11.9357% | 4,675 |
| Total risk-based capital ratio | 12.9369% | 4,723 |
| Memoranda: | ||
| Average total assets | $210,406,000 | 2,845 |
| Average earning assets | $203,084,250 | 2,763 |
| Average equity | $22,919,500 | 2,890 |
| Average total loans | $164,183,250 | 2,499 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 1,428 |
| Cost of funding earning assets | 0.4204% | 2,886 |
| Net interest margin | 4.1134% | 1,291 |
| Noninterest income to average assets | 0.2123% | 4,984 |
| Noninterest expense to average assets | 2.3130% | 4,310 |
| Loan and lease loss provision to assets | 0.2860% | 549 |
| Net operating income to assets | 1.4982% | 867 |
| Return on assets (ROA) | 1.5433% | 819 |
| Pretax return on assets | 1.6257% | 1,259 |
| Return on Equity (ROE) | 14.2433% | 782 |
| Retained earnings to average equity (ytd only) | 8.4279% | 1,022 |
| Net charge-offs to loans | -0.0140% | 4,643 |
| Credit loss provision to net charge-offs | -2,681.8182% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3725% | 4,887 |
| Assets per employee ($millions) | 8.0314% | 613 |
| Cash dividends to net income (ytd only)* | 40.8291% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,049 |
| Loan loss allowance to noncurrent loans | 4,440.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,959 |
| Noncurrent loans to loans | 0.0229% | 5,072 |
| Net loans and leases to total assets | 79.7696% | 988 |
| Net loans and leases to deposits | 95.2186% | 1,152 |
| Net loans and leases to core deposits | 118.0786% | 639 |
| Total domestic deposits to total assets | 83.7752% | 3,295 |
| Equity capital to assets | 11.1765% | 2,628 |
| Core capital (leverage) ratio | 10.4890% | 2,929 |
| Tier 1 risk-based capital ratio | 12.0855% | 4,576 |
| Total risk-based capital ratio | 13.0361% | 4,659 |
| Memoranda: | ||
| Average total assets | $206,308,670 | 2,890 |
| Average earning assets | $198,864,000 | 2,816 |
| Average equity | $22,354,330 | 2,941 |
| Average total loans | $157,392,670 | 2,599 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 1,652 |
| Cost of funding earning assets | 0.3581% | 3,444 |
| Net interest margin | 4.0405% | 1,368 |
| Noninterest income to average assets | 0.1850% | 5,168 |
| Noninterest expense to average assets | 2.3279% | 4,333 |
| Loan and lease loss provision to assets | 0.2328% | 663 |
| Net operating income to assets | 1.4326% | 934 |
| Return on assets (ROA) | 1.4326% | 960 |
| Pretax return on assets | 1.5082% | 1,508 |
| Return on Equity (ROE) | 13.4495% | 913 |
| Retained earnings to average equity (ytd only) | 7.8455% | 1,524 |
| Net charge-offs to loans | -0.0108% | 4,462 |
| Credit loss provision to net charge-offs | -2,925.0000% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2127% | 4,811 |
| Assets per employee ($millions) | 8.2265% | 561 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 4,223 |
| Loan loss allowance to noncurrent loans | 1,559.8039% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,112 |
| Noncurrent loans to loans | 0.0647% | 4,940 |
| Net loans and leases to total assets | 72.9258% | 1,930 |
| Net loans and leases to deposits | 86.4338% | 1,983 |
| Net loans and leases to core deposits | 105.8963% | 1,109 |
| Total domestic deposits to total assets | 84.3719% | 3,340 |
| Equity capital to assets | 10.3880% | 3,308 |
| Core capital (leverage) ratio | 10.3439% | 3,068 |
| Tier 1 risk-based capital ratio | 11.6791% | 4,926 |
| Total risk-based capital ratio | 12.5830% | 5,031 |
| Memoranda: | ||
| Average total assets | $201,039,500 | 2,987 |
| Average earning assets | $193,242,000 | 2,897 |
| Average equity | $21,413,500 | 3,042 |
| Average total loans | $148,712,000 | 2,712 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 2,742 |
| Cost of funding earning assets | 0.2730% | 4,331 |
| Net interest margin | 3.8556% | 2,114 |
| Noninterest income to average assets | 0.2275% | 5,052 |
| Noninterest expense to average assets | 1.9849% | 5,219 |
| Loan and lease loss provision to assets | 0.0657% | 3,049 |
| Net operating income to assets | 1.5144% | 809 |
| Return on assets (ROA) | 1.5365% | 799 |
| Pretax return on assets | 1.8460% | 700 |
| Return on Equity (ROE) | 13.6195% | 841 |
| Retained earnings to average equity (ytd only) | 4.8847% | 2,422 |
| Net charge-offs to loans | 0.0207% | 3,635 |
| Credit loss provision to net charge-offs | 432.1429% | 740 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 493 |
| Efficiency ratio | 51.2907% | 5,423 |
| Assets per employee ($millions) | 6.9700% | 938 |
| Cash dividends to net income (ytd only)* | 64.1343% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,413.4615% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 5,119 |
| Noncurrent loans to loans | 0.0744% | 4,946 |
| Net loans and leases to total assets | 73.5335% | 1,924 |
| Net loans and leases to deposits | 90.1782% | 1,661 |
| Net loans and leases to core deposits | 102.8060% | 1,380 |
| Total domestic deposits to total assets | 81.5425% | 4,196 |
| Equity capital to assets | 10.9507% | 2,667 |
| Core capital (leverage) ratio | 10.2461% | 3,176 |
| Tier 1 risk-based capital ratio | 12.6344% | 4,300 |
| Total risk-based capital ratio | 13.6049% | 4,358 |
| Memoranda: | ||
| Average total assets | $184,186,200 | 3,117 |
| Average earning assets | $174,005,600 | 3,067 |
| Average equity | $20,779,000 | 3,091 |
| Average total loans | $135,268,000 | 2,839 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 2,699 |
| Cost of funding earning assets | 0.2680% | 4,412 |
| Net interest margin | 3.8774% | 2,062 |
| Noninterest income to average assets | 0.1951% | 5,297 |
| Noninterest expense to average assets | 1.9353% | 5,322 |
| Loan and lease loss provision to assets | 0.0655% | 2,914 |
| Net operating income to assets | 1.4690% | 938 |
| Return on assets (ROA) | 1.4972% | 931 |
| Pretax return on assets | 1.8837% | 736 |
| Return on Equity (ROE) | 13.1718% | 1,005 |
| Retained earnings to average equity (ytd only) | 8.2732% | 1,056 |
| Net charge-offs to loans | 0.0229% | 3,228 |
| Credit loss provision to net charge-offs | 391.3043% | 851 |
| Earnings coverage of net charge-offs (x) | 114.2892% | 593 |
| Efficiency ratio | 50.2837% | 5,482 |
| Assets per employee ($millions) | 8.4443% | 493 |
| Cash dividends to net income (ytd only)* | 37.1899% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,076 |
| Loan loss allowance to noncurrent loans | 1,234.1880% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,192 |
| Noncurrent loans to loans | 0.0858% | 5,003 |
| Net loans and leases to total assets | 72.6244% | 2,086 |
| Net loans and leases to deposits | 91.7005% | 1,537 |
| Net loans and leases to core deposits | 105.1607% | 1,266 |
| Total domestic deposits to total assets | 79.1974% | 4,674 |
| Equity capital to assets | 11.7077% | 2,345 |
| Core capital (leverage) ratio | 10.6624% | 2,819 |
| Tier 1 risk-based capital ratio | 13.2535% | 4,005 |
| Total risk-based capital ratio | 14.2394% | 4,082 |
| Memoranda: | ||
| Average total assets | $183,185,500 | 3,141 |
| Average earning assets | $172,619,250 | 3,094 |
| Average equity | $20,821,750 | 3,109 |
| Average total loans | $134,122,000 | 2,862 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 2,725 |
| Cost of funding earning assets | 0.2623% | 4,525 |
| Net interest margin | 3.8751% | 2,063 |
| Noninterest income to average assets | 0.2106% | 5,237 |
| Noninterest expense to average assets | 1.9142% | 5,427 |
| Loan and lease loss provision to assets | 0.0658% | 2,827 |
| Net operating income to assets | 1.3566% | 1,148 |
| Return on assets (ROA) | 1.3953% | 1,126 |
| Pretax return on assets | 1.9306% | 657 |
| Return on Equity (ROE) | 12.4023% | 1,184 |
| Retained earnings to average equity (ytd only) | 7.4297% | 1,420 |
| Net charge-offs to loans | 0.0510% | 2,475 |
| Credit loss provision to net charge-offs | 176.4706% | 1,419 |
| Earnings coverage of net charge-offs (x) | 52.0882% | 972 |
| Efficiency ratio | 49.6303% | 5,584 |
| Assets per employee ($millions) | 7.9194% | 583 |
| Cash dividends to net income (ytd only)* | 40.0943% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,375 |
| Loan loss allowance to noncurrent loans | 954.4218% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,200 |
| Noncurrent loans to loans | 0.1075% | 5,015 |
| Net loans and leases to total assets | 74.3201% | 1,773 |
| Net loans and leases to deposits | 100.4512% | 656 |
| Net loans and leases to core deposits | 107.3870% | 1,066 |
| Total domestic deposits to total assets | 73.9863% | 5,522 |
| Equity capital to assets | 11.7433% | 2,317 |
| Core capital (leverage) ratio | 10.4463% | 3,026 |
| Tier 1 risk-based capital ratio | 12.6497% | 4,422 |
| Total risk-based capital ratio | 13.5897% | 4,544 |
| Memoranda: | ||
| Average total assets | $182,322,330 | 3,164 |
| Average earning assets | $171,557,330 | 3,127 |
| Average equity | $20,512,330 | 3,141 |
| Average total loans | $133,375,330 | 2,877 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,019 |
| Cost of funding earning assets | 0.2550% | 4,651 |
| Net interest margin | 3.7996% | 2,289 |
| Noninterest income to average assets | 0.1974% | 5,325 |
| Noninterest expense to average assets | 1.8837% | 5,546 |
| Loan and lease loss provision to assets | 0.0636% | 2,682 |
| Net operating income to assets | 0.8807% | 2,849 |
| Return on assets (ROA) | 0.9495% | 2,630 |
| Pretax return on assets | 1.9187% | 662 |
| Return on Equity (ROE) | 8.6283% | 2,593 |
| Retained earnings to average equity (ytd only) | 3.5470% | 3,722 |
| Net charge-offs to loans | -0.0061% | 4,353 |
| Credit loss provision to net charge-offs | -1,450.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1167% | 5,619 |
| Assets per employee ($millions) | 7.7843% | 612 |
| Cash dividends to net income (ytd only)* | 58.8915% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.5017% | 1,949 |
| Net loans and leases to deposits | 94.7649% | 1,062 |
| Net loans and leases to core deposits | 102.9928% | 1,266 |
| Total domestic deposits to total assets | 76.5069% | 5,364 |
| Equity capital to assets | 11.3589% | 2,570 |
| Core capital (leverage) ratio | 10.2797% | 3,227 |
| Tier 1 risk-based capital ratio | 12.7492% | 4,431 |
| Total risk-based capital ratio | 13.7302% | 4,502 |
| Memoranda: | ||
| Average total assets | $182,410,500 | 3,176 |
| Average earning assets | $170,965,500 | 3,143 |
| Average equity | $20,073,500 | 3,189 |
| Average total loans | $131,676,000 | 2,908 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,536 |
| Cost of funding earning assets | 0.2336% | 4,971 |
| Net interest margin | 3.7147% | 2,697 |
| Noninterest income to average assets | 0.2035% | 5,377 |
| Noninterest expense to average assets | 2.0528% | 5,344 |
| Loan and lease loss provision to assets | 0.0336% | 3,680 |
| Net operating income to assets | 1.1306% | 1,807 |
| Return on assets (ROA) | 1.2444% | 1,456 |
| Pretax return on assets | 1.7624% | 867 |
| Return on Equity (ROE) | 11.4576% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.9416% | 1,306 |
| Net charge-offs to loans | -0.0041% | 4,942 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6535% | 5,379 |
| Assets per employee ($millions) | 8.4446% | 472 |
| Cash dividends to net income (ytd only)* | 39.4144% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 4,371 |
| Loan loss allowance to noncurrent loans | 2,503.6364% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 5,574 |
| Noncurrent loans to loans | 0.0416% | 5,350 |
| Net loans and leases to total assets | 70.3839% | 2,311 |
| Net loans and leases to deposits | 96.2794% | 982 |
| Net loans and leases to core deposits | 104.9683% | 1,169 |
| Total domestic deposits to total assets | 73.1038% | 5,714 |
| Equity capital to assets | 10.6631% | 3,178 |
| Core capital (leverage) ratio | 10.1682% | 3,297 |
| Tier 1 risk-based capital ratio | 12.2189% | 4,815 |
| Total risk-based capital ratio | 13.1474% | 4,924 |
| Memoranda: | ||
| Average total assets | $178,393,000 | 3,192 |
| Average earning assets | $167,362,800 | 3,158 |
| Average equity | $19,375,800 | 3,234 |
| Average total loans | $122,752,200 | 3,011 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 3,670 |
| Cost of funding earning assets | 0.2342% | 5,052 |
| Net interest margin | 3.6886% | 2,812 |
| Noninterest income to average assets | 0.2281% | 5,285 |
| Noninterest expense to average assets | 2.0700% | 5,343 |
| Loan and lease loss provision to assets | 0.0453% | 3,299 |
| Net operating income to assets | 1.1254% | 1,912 |
| Return on assets (ROA) | 1.2144% | 1,667 |
| Pretax return on assets | 1.7106% | 1,078 |
| Return on Equity (ROE) | 11.1274% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.1274% | 457 |
| Net charge-offs to loans | 0.0332% | 3,254 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 71.9648% | 799 |
| Efficiency ratio | 55.9388% | 5,359 |
| Assets per employee ($millions) | 7.6810% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 4,286 |
| Loan loss allowance to noncurrent loans | 2,440.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,663 |
| Noncurrent loans to loans | 0.0447% | 5,441 |
| Net loans and leases to total assets | 68.9345% | 2,544 |
| Net loans and leases to deposits | 91.2354% | 1,497 |
| Net loans and leases to core deposits | 99.6433% | 1,547 |
| Total domestic deposits to total assets | 75.5567% | 5,564 |
| Equity capital to assets | 11.3663% | 2,626 |
| Core capital (leverage) ratio | 10.6807% | 2,850 |
| Tier 1 risk-based capital ratio | 12.9315% | 4,466 |
| Total risk-based capital ratio | 13.8755% | 4,571 |
| Memoranda: | ||
| Average total assets | $176,546,000 | 3,243 |
| Average earning assets | $166,200,000 | 3,198 |
| Average equity | $19,267,250 | 3,276 |
| Average total loans | $120,406,000 | 3,068 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 3,624 |
| Cost of funding earning assets | 0.2338% | 5,107 |
| Net interest margin | 3.6834% | 2,782 |
| Noninterest income to average assets | 0.2470% | 5,186 |
| Noninterest expense to average assets | 2.0883% | 5,363 |
| Loan and lease loss provision to assets | 0.0680% | 2,758 |
| Net operating income to assets | 1.1010% | 1,952 |
| Return on assets (ROA) | 1.2192% | 1,624 |
| Pretax return on assets | 1.7212% | 1,042 |
| Return on Equity (ROE) | 11.3285% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.3285% | 464 |
| Net charge-offs to loans | 0.0301% | 3,061 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 79.5556% | 709 |
| Efficiency ratio | 56.2748% | 5,405 |
| Assets per employee ($millions) | 7.5187% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 4,014 |
| Loan loss allowance to noncurrent loans | 1,074.6032% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 5,573 |
| Noncurrent loans to loans | 0.1081% | 5,315 |
| Net loans and leases to total assets | 66.6347% | 2,845 |
| Net loans and leases to deposits | 85.6158% | 2,091 |
| Net loans and leases to core deposits | 93.2441% | 2,034 |
| Total domestic deposits to total assets | 77.8299% | 5,310 |
| Equity capital to assets | 11.1946% | 2,676 |
| Core capital (leverage) ratio | 10.2009% | 3,335 |
| Tier 1 risk-based capital ratio | 13.0571% | 4,488 |
| Total risk-based capital ratio | 14.0475% | 4,539 |
| Memoranda: | ||
| Average total assets | $176,507,330 | 3,261 |
| Average earning assets | $165,987,000 | 3,221 |
| Average equity | $18,996,330 | 3,317 |
| Average total loans | $119,500,330 | 3,090 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9141% | 3,544 |
| Cost of funding earning assets | 0.2324% | 5,192 |
| Net interest margin | 3.6817% | 2,692 |
| Noninterest income to average assets | 0.1772% | 5,653 |
| Noninterest expense to average assets | 1.9810% | 5,619 |
| Loan and lease loss provision to assets | 0.0673% | 2,596 |
| Net operating income to assets | 1.1080% | 1,843 |
| Return on assets (ROA) | 1.2855% | 1,407 |
| Pretax return on assets | 1.8307% | 822 |
| Return on Equity (ROE) | 12.1818% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.1818% | 546 |
| Net charge-offs to loans | 0.0033% | 3,207 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 733.0000% | 61 |
| Efficiency ratio | 54.6411% | 5,627 |
| Assets per employee ($millions) | 7.6567% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 4,318 |
| Loan loss allowance to noncurrent loans | 22,350.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 4,443 |
| Noncurrent loans to loans | 0.0051% | 5,796 |
| Net loans and leases to total assets | 65.9987% | 2,769 |
| Net loans and leases to deposits | 83.1952% | 2,182 |
| Net loans and leases to core deposits | 90.6996% | 2,064 |
| Total domestic deposits to total assets | 79.3299% | 5,205 |
| Equity capital to assets | 10.8679% | 3,121 |
| Core capital (leverage) ratio | 9.7842% | 3,909 |
| Tier 1 risk-based capital ratio | 13.0942% | 4,556 |
| Total risk-based capital ratio | 14.1063% | 4,600 |
| Memoranda: | ||
| Average total assets | $178,295,500 | 3,262 |
| Average earning assets | $166,987,500 | 3,220 |
| Average equity | $18,815,000 | 3,354 |
| Average total loans | $120,957,500 | 3,082 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,887 |
| Cost of funding earning assets | 0.2293% | 5,532 |
| Net interest margin | 3.7281% | 2,889 |
| Noninterest income to average assets | 0.1812% | 5,769 |
| Noninterest expense to average assets | 2.0492% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1480% | 1,780 |
| Return on assets (ROA) | 1.1757% | 1,727 |
| Pretax return on assets | 1.6631% | 1,066 |
| Return on Equity (ROE) | 12.0004% | 1,413 |
| Retained earnings to average equity (ytd only) | 7.3633% | 1,247 |
| Net charge-offs to loans | -0.0215% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7871% | 5,687 |
| Assets per employee ($millions) | 7.8472% | 562 |
| Cash dividends to net income (ytd only)* | 38.6417% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 4,790 |
| Loan loss allowance to noncurrent loans | 2,624.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,540 |
| Noncurrent loans to loans | 0.0402% | 5,713 |
| Net loans and leases to total assets | 68.1687% | 2,533 |
| Net loans and leases to deposits | 92.7635% | 1,208 |
| Net loans and leases to core deposits | 101.3677% | 1,288 |
| Total domestic deposits to total assets | 73.4866% | 5,980 |
| Equity capital to assets | 10.2451% | 3,795 |
| Core capital (leverage) ratio | 9.1792% | 4,709 |
| Tier 1 risk-based capital ratio | 11.5614% | 5,625 |
| Total risk-based capital ratio | 12.4656% | 5,739 |
| Memoranda: | ||
| Average total assets | $181,587,000 | 3,188 |
| Average earning assets | $170,087,400 | 3,153 |
| Average equity | $17,791,000 | 3,421 |
| Average total loans | $116,388,200 | 3,107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 4,021 |
| Cost of funding earning assets | 0.2281% | 5,609 |
| Net interest margin | 3.7093% | 2,992 |
| Noninterest income to average assets | 0.1869% | 5,801 |
| Noninterest expense to average assets | 1.9106% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2257% | 1,591 |
| Return on assets (ROA) | 1.2427% | 1,603 |
| Pretax return on assets | 1.7705% | 939 |
| Return on Equity (ROE) | 12.8289% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.8289% | 341 |
| Net charge-offs to loans | -0.0140% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2454% | 5,974 |
| Assets per employee ($millions) | 8.2046% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,002 |
| Loan loss allowance to noncurrent loans | 2,886.6667% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 4,654 |
| Noncurrent loans to loans | 0.0363% | 5,876 |
| Net loans and leases to total assets | 65.0200% | 3,024 |
| Net loans and leases to deposits | 87.5137% | 1,729 |
| Net loans and leases to core deposits | 92.2936% | 2,010 |
| Total domestic deposits to total assets | 74.2969% | 5,994 |
| Equity capital to assets | 9.9685% | 4,202 |
| Core capital (leverage) ratio | 9.2567% | 4,697 |
| Tier 1 risk-based capital ratio | 11.7721% | 5,628 |
| Total risk-based capital ratio | 12.6632% | 5,767 |
| Memoranda: | ||
| Average total assets | $181,862,250 | 3,217 |
| Average earning assets | $170,127,250 | 3,186 |
| Average equity | $17,616,000 | 3,459 |
| Average total loans | $114,398,500 | 3,158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7307% | 4,765 |
| Cost of funding earning assets | 0.2292% | 5,670 |
| Net interest margin | 3.5015% | 3,785 |
| Noninterest income to average assets | 0.1704% | 5,932 |
| Noninterest expense to average assets | 1.8677% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1086% | 1,906 |
| Return on assets (ROA) | 1.1126% | 1,957 |
| Pretax return on assets | 1.5748% | 1,320 |
| Return on Equity (ROE) | 11.6044% | 1,547 |
| Retained earnings to average equity (ytd only) | 11.6044% | 466 |
| Net charge-offs to loans | -0.0198% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3422% | 5,882 |
| Assets per employee ($millions) | 7.9060% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 4,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 4,777 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.7522% | 3,445 |
| Net loans and leases to deposits | 81.6036% | 2,302 |
| Net loans and leases to core deposits | 86.1489% | 2,501 |
| Total domestic deposits to total assets | 75.6734% | 5,958 |
| Equity capital to assets | 9.8874% | 4,258 |
| Core capital (leverage) ratio | 9.3057% | 4,580 |
| Tier 1 risk-based capital ratio | 12.0000% | 5,539 |
| Total risk-based capital ratio | 12.9461% | 5,641 |
| Memoranda: | ||
| Average total assets | $179,581,330 | 3,254 |
| Average earning assets | $167,529,330 | 3,224 |
| Average equity | $17,217,670 | 3,514 |
| Average total loans | $111,199,670 | 3,215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 4,996 |
| Cost of funding earning assets | 0.2329% | 5,732 |
| Net interest margin | 3.4211% | 4,021 |
| Noninterest income to average assets | 0.2264% | 5,543 |
| Noninterest expense to average assets | 1.8291% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1428% | 1,653 |
| Return on assets (ROA) | 1.0669% | 2,013 |
| Pretax return on assets | 1.4861% | 1,467 |
| Return on Equity (ROE) | 11.3084% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.3084% | 703 |
| Net charge-offs to loans | -0.0109% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4731% | 6,057 |
| Assets per employee ($millions) | 7.6098% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 4,777 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.9784% | 3,403 |
| Net loans and leases to deposits | 73.5665% | 3,122 |
| Net loans and leases to core deposits | 79.8916% | 2,985 |
| Total domestic deposits to total assets | 82.8888% | 4,645 |
| Equity capital to assets | 9.8134% | 4,086 |
| Core capital (leverage) ratio | 9.0169% | 4,985 |
| Tier 1 risk-based capital ratio | 12.2470% | 5,474 |
| Total risk-based capital ratio | 13.2380% | 5,585 |
| Memoranda: | ||
| Average total assets | $178,453,000 | 3,295 |
| Average earning assets | $166,614,000 | 3,259 |
| Average equity | $16,837,000 | 3,571 |
| Average total loans | $110,006,000 | 3,263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 5,689 |
| Cost of funding earning assets | 0.2635% | 5,884 |
| Net interest margin | 3.2136% | 4,957 |
| Noninterest income to average assets | 0.6895% | 2,606 |
| Noninterest expense to average assets | 2.1999% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0523% | 2,110 |
| Return on assets (ROA) | 1.0110% | 2,341 |
| Pretax return on assets | 1.4307% | 1,683 |
| Return on Equity (ROE) | 10.7858% | 1,832 |
| Retained earnings to average equity (ytd only) | 7.9948% | 1,063 |
| Net charge-offs to loans | 0.0031% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 853.6667% | 43 |
| Efficiency ratio | 59.2593% | 5,567 |
| Assets per employee ($millions) | 7.9078% | 490 |
| Cash dividends to net income (ytd only)* | 25.8769% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 4,919 |
| Loan loss allowance to noncurrent loans | 6,128.5714% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 4,899 |
| Noncurrent loans to loans | 0.0188% | 6,208 |
| Net loans and leases to total assets | 60.8682% | 3,565 |
| Net loans and leases to deposits | 78.3001% | 2,687 |
| Net loans and leases to core deposits | 85.2222% | 2,542 |
| Total domestic deposits to total assets | 77.7370% | 5,861 |
| Equity capital to assets | 9.0708% | 4,952 |
| Core capital (leverage) ratio | 8.6871% | 5,430 |
| Tier 1 risk-based capital ratio | 11.3982% | 5,965 |
| Total risk-based capital ratio | 12.3467% | 6,071 |
| Memoranda: | ||
| Average total assets | $172,008,400 | 3,381 |
| Average earning assets | $160,538,200 | 3,329 |
| Average equity | $16,123,000 | 3,679 |
| Average total loans | $97,821,400 | 3,505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 5,838 |
| Cost of funding earning assets | 0.2710% | 5,954 |
| Net interest margin | 3.1513% | 5,145 |
| Noninterest income to average assets | 0.8509% | 1,930 |
| Noninterest expense to average assets | 2.1894% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1096% | 1,973 |
| Return on assets (ROA) | 1.1096% | 2,039 |
| Pretax return on assets | 1.6059% | 1,324 |
| Return on Equity (ROE) | 11.7366% | 1,565 |
| Retained earnings to average equity (ytd only) | 11.7366% | 462 |
| Net charge-offs to loans | 0.0042% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 680.6500% | 78 |
| Efficiency ratio | 57.1902% | 5,778 |
| Assets per employee ($millions) | 7.9428% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 5,064 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.3439% | 4,409 |
| Net loans and leases to deposits | 68.8462% | 3,956 |
| Net loans and leases to core deposits | 75.0485% | 3,725 |
| Total domestic deposits to total assets | 80.3877% | 5,392 |
| Equity capital to assets | 9.4694% | 4,591 |
| Core capital (leverage) ratio | 9.2298% | 4,790 |
| Tier 1 risk-based capital ratio | 12.9138% | 5,185 |
| Total risk-based capital ratio | 13.9792% | 5,254 |
| Memoranda: | ||
| Average total assets | $169,540,500 | 3,455 |
| Average earning assets | $158,405,750 | 3,404 |
| Average equity | $16,029,250 | 3,736 |
| Average total loans | $94,278,250 | 3,616 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 5,883 |
| Cost of funding earning assets | 0.2789% | 5,989 |
| Net interest margin | 3.1310% | 5,184 |
| Noninterest income to average assets | 1.1823% | 1,088 |
| Noninterest expense to average assets | 2.2693% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2419% | 1,482 |
| Return on assets (ROA) | 1.2419% | 1,573 |
| Pretax return on assets | 1.8295% | 871 |
| Return on Equity (ROE) | 13.1427% | 1,214 |
| Retained earnings to average equity (ytd only) | 13.1427% | 367 |
| Net charge-offs to loans | 0.0043% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 767.5000% | 50 |
| Efficiency ratio | 54.6671% | 6,087 |
| Assets per employee ($millions) | 7.1941% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,977 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 4,987 |
| Noncurrent loans to loans | 0.0614% | 6,203 |
| Net loans and leases to total assets | 54.3701% | 4,533 |
| Net loans and leases to deposits | 66.7520% | 4,177 |
| Net loans and leases to core deposits | 73.2014% | 3,902 |
| Total domestic deposits to total assets | 81.4510% | 5,227 |
| Equity capital to assets | 9.7024% | 4,307 |
| Core capital (leverage) ratio | 9.1318% | 4,780 |
| Tier 1 risk-based capital ratio | 13.7412% | 4,612 |
| Total risk-based capital ratio | 14.9042% | 4,635 |
| Memoranda: | ||
| Average total assets | $167,806,670 | 3,500 |
| Average earning assets | $156,306,330 | 3,457 |
| Average equity | $15,856,670 | 3,791 |
| Average total loans | $93,039,330 | 3,656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4587% | 5,813 |
| Cost of funding earning assets | 0.2812% | 6,102 |
| Net interest margin | 3.1775% | 5,008 |
| Noninterest income to average assets | 0.2675% | 5,543 |
| Noninterest expense to average assets | 2.1470% | 5,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7575% | 3,391 |
| Return on assets (ROA) | 0.7575% | 3,530 |
| Pretax return on assets | 1.0629% | 3,098 |
| Return on Equity (ROE) | 8.1229% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.1229% | 1,703 |
| Net charge-offs to loans | -0.0085% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5605% | 4,735 |
| Assets per employee ($millions) | 6.5768% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 3,915 |
| Loan loss allowance to noncurrent loans | 10,766.6667% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 5,208 |
| Noncurrent loans to loans | 0.0137% | 6,458 |
| Net loans and leases to total assets | 50.4673% | 4,924 |
| Net loans and leases to deposits | 58.2399% | 5,002 |
| Net loans and leases to core deposits | 61.4848% | 5,003 |
| Total domestic deposits to total assets | 86.6541% | 3,153 |
| Equity capital to assets | 9.3002% | 5,129 |
| Core capital (leverage) ratio | 8.7707% | 5,231 |
| Tier 1 risk-based capital ratio | 13.3400% | 4,984 |
| Total risk-based capital ratio | 14.5440% | 4,970 |
| Memoranda: | ||
| Average total assets | $168,978,000 | 3,521 |
| Average earning assets | $156,475,500 | 3,494 |
| Average equity | $15,758,000 | 3,859 |
| Average total loans | $93,933,500 | 3,653 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 5,372 |
| Cost of funding earning assets | 0.3888% | 5,985 |
| Net interest margin | 3.5933% | 4,113 |
| Noninterest income to average assets | 0.2759% | 5,486 |
| Noninterest expense to average assets | 2.2610% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9224% | 2,692 |
| Return on assets (ROA) | 0.9475% | 2,816 |
| Pretax return on assets | 1.3592% | 2,179 |
| Return on Equity (ROE) | 9.6980% | 2,317 |
| Retained earnings to average equity (ytd only) | 2.1165% | 4,739 |
| Net charge-offs to loans | 0.1984% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 11.4043% | 2,034 |
| Efficiency ratio | 61.5120% | 5,312 |
| Assets per employee ($millions) | 6.4215% | 1,042 |
| Cash dividends to net income (ytd only)* | 78.1759% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 4,707 |
| Loan loss allowance to noncurrent loans | 1,252.4272% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 5,133 |
| Noncurrent loans to loans | 0.1027% | 6,231 |
| Net loans and leases to total assets | 59.2885% | 3,728 |
| Net loans and leases to deposits | 70.8180% | 3,588 |
| Net loans and leases to core deposits | 74.9030% | 3,669 |
| Total domestic deposits to total assets | 83.7195% | 4,430 |
| Equity capital to assets | 9.3513% | 5,073 |
| Core capital (leverage) ratio | 8.4694% | 5,661 |
| Tier 1 risk-based capital ratio | 12.0457% | 5,757 |
| Total risk-based capital ratio | 13.1575% | 5,801 |
| Memoranda: | ||
| Average total assets | $162,011,400 | 3,581 |
| Average earning assets | $149,165,600 | 3,576 |
| Average equity | $15,828,000 | 3,802 |
| Average total loans | $94,760,800 | 3,647 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 5,365 |
| Cost of funding earning assets | 0.4132% | 6,042 |
| Net interest margin | 3.6359% | 4,077 |
| Noninterest income to average assets | 0.2380% | 5,850 |
| Noninterest expense to average assets | 2.2433% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9291% | 2,833 |
| Return on assets (ROA) | 0.9628% | 2,905 |
| Pretax return on assets | 1.3849% | 2,282 |
| Return on Equity (ROE) | 9.7468% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.7468% | 982 |
| Net charge-offs to loans | 0.2256% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.2026% | 2,215 |
| Efficiency ratio | 61.0841% | 5,302 |
| Assets per employee ($millions) | 6.3865% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,552 |
| Loan loss allowance to noncurrent loans | 825.0000% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 4,538 |
| Noncurrent loans to loans | 0.1644% | 6,202 |
| Net loans and leases to total assets | 57.8014% | 4,166 |
| Net loans and leases to deposits | 67.3076% | 4,285 |
| Net loans and leases to core deposits | 71.8006% | 4,278 |
| Total domestic deposits to total assets | 85.8764% | 3,317 |
| Equity capital to assets | 9.9646% | 4,541 |
| Core capital (leverage) ratio | 9.5763% | 4,155 |
| Tier 1 risk-based capital ratio | 13.0868% | 5,180 |
| Total risk-based capital ratio | 14.2556% | 5,207 |
| Memoranda: | ||
| Average total assets | $160,774,250 | 3,640 |
| Average earning assets | $147,780,000 | 3,631 |
| Average equity | $15,881,750 | 3,835 |
| Average total loans | $93,381,500 | 3,706 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 5,427 |
| Cost of funding earning assets | 0.4357% | 6,064 |
| Net interest margin | 3.6320% | 4,125 |
| Noninterest income to average assets | 0.2465% | 5,813 |
| Noninterest expense to average assets | 2.3067% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8948% | 2,937 |
| Return on assets (ROA) | 0.9458% | 2,938 |
| Pretax return on assets | 1.3571% | 2,362 |
| Return on Equity (ROE) | 9.6039% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.6039% | 1,080 |
| Net charge-offs to loans | 0.3323% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.6732% | 2,594 |
| Efficiency ratio | 62.6620% | 5,140 |
| Assets per employee ($millions) | 5.9682% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 4,306 |
| Loan loss allowance to noncurrent loans | 849.3590% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 5,304 |
| Noncurrent loans to loans | 0.1691% | 6,246 |
| Net loans and leases to total assets | 58.5866% | 4,064 |
| Net loans and leases to deposits | 67.6187% | 4,266 |
| Net loans and leases to core deposits | 72.5741% | 4,231 |
| Total domestic deposits to total assets | 86.6426% | 2,985 |
| Equity capital to assets | 10.3195% | 3,916 |
| Core capital (leverage) ratio | 9.2062% | 4,602 |
| Tier 1 risk-based capital ratio | 13.0011% | 5,190 |
| Total risk-based capital ratio | 14.2017% | 5,195 |
| Memoranda: | ||
| Average total assets | $159,016,330 | 3,685 |
| Average earning assets | $146,419,330 | 3,669 |
| Average equity | $15,660,330 | 3,860 |
| Average total loans | $92,076,000 | 3,754 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 5,526 |
| Cost of funding earning assets | 0.4438% | 6,186 |
| Net interest margin | 3.6367% | 4,102 |
| Noninterest income to average assets | 0.2709% | 5,710 |
| Noninterest expense to average assets | 2.3338% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8948% | 2,943 |
| Return on assets (ROA) | 0.8948% | 3,161 |
| Pretax return on assets | 1.2775% | 2,621 |
| Return on Equity (ROE) | 9.2999% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.2999% | 1,476 |
| Net charge-offs to loans | -0.0304% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0420% | 5,096 |
| Assets per employee ($millions) | 6.1002% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 3,626 |
| Loan loss allowance to noncurrent loans | 351.8957% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 6,133 |
| Noncurrent loans to loans | 0.4617% | 5,756 |
| Net loans and leases to total assets | 56.6886% | 4,261 |
| Net loans and leases to deposits | 66.0561% | 4,369 |
| Net loans and leases to core deposits | 71.4050% | 4,236 |
| Total domestic deposits to total assets | 85.8189% | 3,632 |
| Equity capital to assets | 9.8767% | 4,286 |
| Core capital (leverage) ratio | 8.9408% | 4,930 |
| Tier 1 risk-based capital ratio | 12.8531% | 5,320 |
| Total risk-based capital ratio | 14.1049% | 5,300 |
| Memoranda: | ||
| Average total assets | $160,938,500 | 3,665 |
| Average earning assets | $147,824,500 | 3,661 |
| Average equity | $15,484,000 | 3,895 |
| Average total loans | $91,996,500 | 3,779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 5,227 |
| Cost of funding earning assets | 0.6119% | 6,036 |
| Net interest margin | 3.8455% | 3,594 |
| Noninterest income to average assets | 0.3162% | 5,279 |
| Noninterest expense to average assets | 2.4911% | 5,494 |
| Loan and lease loss provision to assets | 0.0456% | 6,006 |
| Net operating income to assets | 0.9001% | 2,604 |
| Return on assets (ROA) | 0.9023% | 2,724 |
| Pretax return on assets | 1.2925% | 2,159 |
| Return on Equity (ROE) | 9.4103% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.8915% | 2,085 |
| Net charge-offs to loans | 0.0380% | 5,937 |
| Credit loss provision to net charge-offs | 202.8571% | 1,228 |
| Earnings coverage of net charge-offs (x) | 59.3429% | 484 |
| Efficiency ratio | 63.2790% | 5,247 |
| Assets per employee ($millions) | 6.0471% | 1,198 |
| Cash dividends to net income (ytd only)* | 37.3932% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 3,604 |
| Loan loss allowance to noncurrent loans | 99.9324% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 4,726 |
| Noncurrent loans to loans | 1.5972% | 3,766 |
| Net loans and leases to total assets | 55.8081% | 4,747 |
| Net loans and leases to deposits | 68.5801% | 4,350 |
| Net loans and leases to core deposits | 74.2755% | 4,199 |
| Total domestic deposits to total assets | 81.3765% | 5,333 |
| Equity capital to assets | 9.3727% | 5,058 |
| Core capital (leverage) ratio | 8.2997% | 5,856 |
| Tier 1 risk-based capital ratio | 12.7305% | 5,289 |
| Total risk-based capital ratio | 13.9819% | 5,261 |
| Memoranda: | ||
| Average total assets | $155,595,200 | 3,709 |
| Average earning assets | $142,009,400 | 3,709 |
| Average equity | $14,919,800 | 3,926 |
| Average total loans | $92,118,800 | 3,809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 5,209 |
| Cost of funding earning assets | 0.6548% | 6,011 |
| Net interest margin | 3.8622% | 3,562 |
| Noninterest income to average assets | 0.3592% | 4,997 |
| Noninterest expense to average assets | 2.6019% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8966% | 2,750 |
| Return on assets (ROA) | 0.8997% | 2,886 |
| Pretax return on assets | 1.2719% | 2,394 |
| Return on Equity (ROE) | 9.3270% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.3270% | 1,037 |
| Net charge-offs to loans | 0.0580% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 36.5263% | 821 |
| Efficiency ratio | 65.4260% | 4,821 |
| Assets per employee ($millions) | 5.7715% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,991 |
| Loan loss allowance to noncurrent loans | 81.6065% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 3,964 |
| Noncurrent loans to loans | 1.8660% | 3,546 |
| Net loans and leases to total assets | 56.1042% | 4,822 |
| Net loans and leases to deposits | 66.2153% | 4,870 |
| Net loans and leases to core deposits | 72.6997% | 4,621 |
| Total domestic deposits to total assets | 84.7299% | 3,895 |
| Equity capital to assets | 9.6069% | 4,924 |
| Core capital (leverage) ratio | 8.9809% | 4,966 |
| Tier 1 risk-based capital ratio | 12.7601% | 5,282 |
| Total risk-based capital ratio | 14.0107% | 5,266 |
| Memoranda: | ||
| Average total assets | $153,676,000 | 3,761 |
| Average earning assets | $139,675,500 | 3,774 |
| Average equity | $14,824,000 | 3,953 |
| Average total loans | $91,999,250 | 3,844 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 5,090 |
| Cost of funding earning assets | 0.6773% | 6,087 |
| Net interest margin | 3.8953% | 3,330 |
| Noninterest income to average assets | 0.3681% | 4,933 |
| Noninterest expense to average assets | 2.7477% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8621% | 2,813 |
| Return on assets (ROA) | 0.8621% | 2,906 |
| Pretax return on assets | 1.1997% | 2,481 |
| Return on Equity (ROE) | 8.9237% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.9237% | 1,134 |
| Net charge-offs to loans | -0.0848% | 7,125 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7960% | 4,555 |
| Assets per employee ($millions) | 5.3057% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 3,518 |
| Loan loss allowance to noncurrent loans | 74.2728% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5845% | 3,820 |
| Noncurrent loans to loans | 2.2132% | 3,211 |
| Net loans and leases to total assets | 57.5910% | 4,710 |
| Net loans and leases to deposits | 66.6835% | 4,900 |
| Net loans and leases to core deposits | 73.2751% | 4,675 |
| Total domestic deposits to total assets | 86.3648% | 3,119 |
| Equity capital to assets | 9.7617% | 4,439 |
| Core capital (leverage) ratio | 8.6555% | 5,296 |
| Tier 1 risk-based capital ratio | 12.6403% | 5,227 |
| Total risk-based capital ratio | 13.8922% | 5,191 |
| Memoranda: | ||
| Average total assets | $151,033,670 | 3,830 |
| Average earning assets | $138,783,670 | 3,808 |
| Average equity | $14,590,330 | 3,987 |
| Average total loans | $91,976,330 | 3,890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 4,775 |
| Cost of funding earning assets | 0.7043% | 6,104 |
| Net interest margin | 3.9382% | 2,966 |
| Noninterest income to average assets | 0.3930% | 4,763 |
| Noninterest expense to average assets | 2.8285% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8261% | 2,901 |
| Return on assets (ROA) | 0.8261% | 2,963 |
| Pretax return on assets | 1.1523% | 2,552 |
| Return on Equity (ROE) | 8.5980% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.5980% | 1,520 |
| Net charge-offs to loans | -0.0818% | 7,026 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2411% | 4,425 |
| Assets per employee ($millions) | 5.3512% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,760 |
| Loan loss allowance to noncurrent loans | 50.5187% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 2.1497% | 3,130 |
| Noncurrent loans to loans | 3.1531% | 2,387 |
| Net loans and leases to total assets | 58.1613% | 4,619 |
| Net loans and leases to deposits | 66.4294% | 4,905 |
| Net loans and leases to core deposits | 73.6035% | 4,578 |
| Total domestic deposits to total assets | 87.5535% | 2,637 |
| Equity capital to assets | 9.3921% | 4,588 |
| Core capital (leverage) ratio | 8.7282% | 5,039 |
| Tier 1 risk-based capital ratio | 12.1964% | 5,513 |
| Total risk-based capital ratio | 13.4482% | 5,508 |
| Memoranda: | ||
| Average total assets | $149,617,500 | 3,882 |
| Average earning assets | $136,306,000 | 3,890 |
| Average equity | $14,375,500 | 4,031 |
| Average total loans | $92,917,500 | 3,900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 3,798 |
| Cost of funding earning assets | 0.8413% | 6,396 |
| Net interest margin | 4.3199% | 1,756 |
| Noninterest income to average assets | 0.4289% | 4,684 |
| Noninterest expense to average assets | 2.5828% | 5,491 |
| Loan and lease loss provision to assets | 0.8577% | 1,902 |
| Net operating income to assets | 0.6737% | 3,328 |
| Return on assets (ROA) | 0.6288% | 3,701 |
| Pretax return on assets | 0.8584% | 3,443 |
| Return on Equity (ROE) | 6.4692% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.9783% | 3,080 |
| Net charge-offs to loans | 0.8343% | 2,548 |
| Credit loss provision to net charge-offs | 158.3653% | 2,219 |
| Earnings coverage of net charge-offs (x) | 3.2822% | 3,434 |
| Efficiency ratio | 57.2335% | 6,425 |
| Assets per employee ($millions) | 4.9673% | 2,200 |
| Cash dividends to net income (ytd only)* | 38.5039% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,852 |
| Loan loss allowance to noncurrent loans | 47.9548% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 2.3651% | 2,906 |
| Noncurrent loans to loans | 3.1950% | 2,382 |
| Net loans and leases to total assets | 64.3349% | 3,799 |
| Net loans and leases to deposits | 73.5878% | 4,260 |
| Net loans and leases to core deposits | 82.4533% | 3,827 |
| Total domestic deposits to total assets | 87.4260% | 2,599 |
| Equity capital to assets | 9.8410% | 3,953 |
| Core capital (leverage) ratio | 8.7200% | 4,981 |
| Tier 1 risk-based capital ratio | 11.5187% | 5,894 |
| Total risk-based capital ratio | 12.7692% | 5,899 |
| Memoranda: | ||
| Average total assets | $144,570,800 | 3,975 |
| Average earning assets | $131,576,200 | 3,982 |
| Average equity | $14,051,200 | 4,133 |
| Average total loans | $93,854,400 | 3,958 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 4,281 |
| Cost of funding earning assets | 0.8710% | 6,501 |
| Net interest margin | 4.2357% | 2,084 |
| Noninterest income to average assets | 0.3759% | 5,148 |
| Noninterest expense to average assets | 2.5422% | 5,555 |
| Loan and lease loss provision to assets | 1.1241% | 1,294 |
| Net operating income to assets | 0.4654% | 4,461 |
| Return on assets (ROA) | 0.3990% | 4,932 |
| Pretax return on assets | 0.4902% | 4,959 |
| Return on Equity (ROE) | 4.1178% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.1178% | 3,573 |
| Net charge-offs to loans | 0.8501% | 2,321 |
| Credit loss provision to net charge-offs | 204.0134% | 1,740 |
| Earnings coverage of net charge-offs (x) | 3.0786% | 3,593 |
| Efficiency ratio | 57.9348% | 6,282 |
| Assets per employee ($millions) | 4.8323% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 3,080 |
| Loan loss allowance to noncurrent loans | 42.0791% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.7359% | 2,647 |
| Noncurrent loans to loans | 4.0990% | 1,808 |
| Net loans and leases to total assets | 65.3372% | 3,836 |
| Net loans and leases to deposits | 74.8047% | 4,378 |
| Net loans and leases to core deposits | 82.7401% | 4,121 |
| Total domestic deposits to total assets | 87.3437% | 2,347 |
| Equity capital to assets | 10.2800% | 3,793 |
| Core capital (leverage) ratio | 8.8479% | 4,926 |
| Tier 1 risk-based capital ratio | 11.6789% | 5,751 |
| Total risk-based capital ratio | 12.9320% | 5,722 |
| Memoranda: | ||
| Average total assets | $144,700,750 | 4,024 |
| Average earning assets | $131,953,750 | 4,033 |
| Average equity | $14,020,000 | 4,194 |
| Average total loans | $93,788,750 | 4,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 4,155 |
| Cost of funding earning assets | 0.8968% | 6,595 |
| Net interest margin | 4.2608% | 1,921 |
| Noninterest income to average assets | 0.3597% | 5,273 |
| Noninterest expense to average assets | 2.4497% | 5,912 |
| Loan and lease loss provision to assets | 1.6277% | 794 |
| Net operating income to assets | 0.2325% | 5,449 |
| Return on assets (ROA) | 0.1094% | 5,948 |
| Pretax return on assets | 0.0520% | 6,069 |
| Return on Equity (ROE) | 1.1518% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.1518% | 5,293 |
| Net charge-offs to loans | 1.1852% | 1,607 |
| Credit loss provision to net charge-offs | 213.6445% | 1,827 |
| Earnings coverage of net charge-offs (x) | 2.3662% | 3,812 |
| Efficiency ratio | 55.6127% | 6,689 |
| Assets per employee ($millions) | 5.0433% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 3,165 |
| Loan loss allowance to noncurrent loans | 94.6752% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1788% | 4,781 |
| Noncurrent loans to loans | 1.7700% | 4,034 |
| Net loans and leases to total assets | 64.9115% | 4,061 |
| Net loans and leases to deposits | 73.3620% | 4,780 |
| Net loans and leases to core deposits | 80.6766% | 4,601 |
| Total domestic deposits to total assets | 88.4812% | 1,742 |
| Equity capital to assets | 9.5941% | 4,562 |
| Core capital (leverage) ratio | 8.2945% | 5,781 |
| Tier 1 risk-based capital ratio | 10.8947% | 6,352 |
| Total risk-based capital ratio | 12.1474% | 6,337 |
| Memoranda: | ||
| Average total assets | $146,222,330 | 4,027 |
| Average earning assets | $133,589,000 | 4,029 |
| Average equity | $13,891,330 | 4,221 |
| Average total loans | $93,995,670 | 4,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 4,009 |
| Cost of funding earning assets | 0.9306% | 6,657 |
| Net interest margin | 4.2705% | 1,781 |
| Noninterest income to average assets | 0.3365% | 5,450 |
| Noninterest expense to average assets | 2.5143% | 5,683 |
| Loan and lease loss provision to assets | 2.6155% | 394 |
| Net operating income to assets | -0.4899% | 6,820 |
| Return on assets (ROA) | -0.5390% | 6,890 |
| Pretax return on assets | -0.9904% | 7,042 |
| Return on Equity (ROE) | -5.7015% | 6,919 |
| Retained earnings to average equity (ytd only) | -5.7015% | 6,636 |
| Net charge-offs to loans | 0.6471% | 2,208 |
| Credit loss provision to net charge-offs | 637.3333% | 684 |
| Earnings coverage of net charge-offs (x) | 4.1467% | 2,692 |
| Efficiency ratio | 57.6898% | 6,534 |
| Assets per employee ($millions) | 4.8188% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 2,508 |
| Loan loss allowance to noncurrent loans | 117.1354% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 5,008 |
| Noncurrent loans to loans | 1.6045% | 4,336 |
| Net loans and leases to total assets | 64.6805% | 4,175 |
| Net loans and leases to deposits | 74.5527% | 4,664 |
| Net loans and leases to core deposits | 81.1716% | 4,601 |
| Total domestic deposits to total assets | 86.7580% | 2,763 |
| Equity capital to assets | 9.5163% | 4,510 |
| Core capital (leverage) ratio | 8.1652% | 5,968 |
| Tier 1 risk-based capital ratio | 10.7292% | 6,408 |
| Total risk-based capital ratio | 11.9843% | 6,391 |
| Memoranda: | ||
| Average total assets | $146,205,500 | 4,090 |
| Average earning assets | $132,817,000 | 4,103 |
| Average equity | $13,821,000 | 4,280 |
| Average total loans | $92,716,000 | 4,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 4,327 |
| Cost of funding earning assets | 1.1002% | 6,981 |
| Net interest margin | 4.3697% | 1,518 |
| Noninterest income to average assets | 0.3574% | 5,537 |
| Noninterest expense to average assets | 2.8641% | 4,681 |
| Loan and lease loss provision to assets | 0.2470% | 5,417 |
| Net operating income to assets | 0.8870% | 2,224 |
| Return on assets (ROA) | 0.8843% | 2,300 |
| Pretax return on assets | 1.2261% | 1,885 |
| Return on Equity (ROE) | 8.5894% | 2,168 |
| Retained earnings to average equity (ytd only) | 5.3276% | 1,662 |
| Net charge-offs to loans | 0.1292% | 5,903 |
| Credit loss provision to net charge-offs | 300.9091% | 1,099 |
| Earnings coverage of net charge-offs (x) | 17.9909% | 1,156 |
| Efficiency ratio | 63.5207% | 5,861 |
| Assets per employee ($millions) | 4.9283% | 2,309 |
| Cash dividends to net income (ytd only)* | 37.9747% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,930 |
| Loan loss allowance to noncurrent loans | 140.7143% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 6,242 |
| Noncurrent loans to loans | 0.7766% | 5,717 |
| Net loans and leases to total assets | 60.2998% | 5,291 |
| Net loans and leases to deposits | 72.6455% | 5,239 |
| Net loans and leases to core deposits | 85.0614% | 5,613 |
| Total domestic deposits to total assets | 83.0055% | 4,517 |
| Equity capital to assets | 9.3914% | 4,574 |
| Core capital (leverage) ratio | 8.2725% | 5,668 |
| Tier 1 risk-based capital ratio | 11.4125% | 5,491 |
| Total risk-based capital ratio | 12.3589% | 5,769 |
| Memoranda: | ||
| Average total assets | $134,004,800 | 4,262 |
| Average earning assets | $122,158,800 | 4,261 |
| Average equity | $13,796,000 | 4,313 |
| Average total loans | $85,133,000 | 4,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 4,281 |
| Cost of funding earning assets | 1.1342% | 7,082 |
| Net interest margin | 4.3946% | 1,455 |
| Noninterest income to average assets | 0.3381% | 5,787 |
| Noninterest expense to average assets | 2.8536% | 4,651 |
| Loan and lease loss provision to assets | 0.2645% | 4,847 |
| Net operating income to assets | 0.8957% | 2,436 |
| Return on assets (ROA) | 0.8957% | 2,507 |
| Pretax return on assets | 1.2287% | 2,169 |
| Return on Equity (ROE) | 8.4893% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.4893% | 978 |
| Net charge-offs to loans | 0.0795% | 5,879 |
| Credit loss provision to net charge-offs | 518.0000% | 758 |
| Earnings coverage of net charge-offs (x) | 29.2377% | 947 |
| Efficiency ratio | 63.1344% | 5,902 |
| Assets per employee ($millions) | 4.6889% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,429 |
| Loan loss allowance to noncurrent loans | 124.7436% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 6,073 |
| Noncurrent loans to loans | 0.9195% | 5,450 |
| Net loans and leases to total assets | 59.6117% | 5,644 |
| Net loans and leases to deposits | 73.2298% | 5,478 |
| Net loans and leases to core deposits | 80.9394% | 6,275 |
| Total domestic deposits to total assets | 81.4036% | 4,920 |
| Equity capital to assets | 10.1204% | 3,941 |
| Core capital (leverage) ratio | 8.9832% | 4,676 |
| Tier 1 risk-based capital ratio | 12.3569% | 4,663 |
| Total risk-based capital ratio | 13.3603% | 4,819 |
| Memoranda: | ||
| Average total assets | $130,544,000 | 4,363 |
| Average earning assets | $119,082,250 | 4,364 |
| Average equity | $13,773,750 | 4,343 |
| Average total loans | $83,882,000 | 4,420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 3,632 |
| Cost of funding earning assets | 1.1739% | 7,185 |
| Net interest margin | 4.5116% | 1,142 |
| Noninterest income to average assets | 0.3082% | 6,044 |
| Noninterest expense to average assets | 2.8655% | 4,661 |
| Loan and lease loss provision to assets | 0.1856% | 5,173 |
| Net operating income to assets | 0.9829% | 2,169 |
| Return on assets (ROA) | 0.9829% | 2,267 |
| Pretax return on assets | 1.3793% | 1,790 |
| Return on Equity (ROE) | 9.1779% | 2,292 |
| Retained earnings to average equity (ytd only) | 9.1779% | 896 |
| Net charge-offs to loans | 0.1221% | 4,942 |
| Credit loss provision to net charge-offs | 231.3725% | 1,996 |
| Earnings coverage of net charge-offs (x) | 19.5098% | 1,361 |
| Efficiency ratio | 62.1583% | 6,226 |
| Assets per employee ($millions) | 4.4257% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,245 |
| Loan loss allowance to noncurrent loans | 114.1484% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 6,000 |
| Noncurrent loans to loans | 0.8760% | 5,464 |
| Net loans and leases to total assets | 64.1002% | 4,961 |
| Net loans and leases to deposits | 79.5571% | 4,612 |
| Net loans and leases to core deposits | 87.9667% | 5,726 |
| Total domestic deposits to total assets | 80.5713% | 5,242 |
| Equity capital to assets | 10.8137% | 3,099 |
| Core capital (leverage) ratio | 9.3971% | 4,028 |
| Tier 1 risk-based capital ratio | 12.3608% | 4,632 |
| Total risk-based capital ratio | 13.2390% | 4,847 |
| Memoranda: | ||
| Average total assets | $127,169,670 | 4,451 |
| Average earning assets | $116,189,000 | 4,460 |
| Average equity | $13,619,670 | 4,389 |
| Average total loans | $83,567,000 | 4,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7471% | 3,543 |
| Cost of funding earning assets | 1.2273% | 7,231 |
| Net interest margin | 4.5197% | 1,082 |
| Noninterest income to average assets | 0.2686% | 6,293 |
| Noninterest expense to average assets | 2.8156% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1186% | 1,898 |
| Return on assets (ROA) | 1.1186% | 2,022 |
| Pretax return on assets | 1.5958% | 1,415 |
| Return on Equity (ROE) | 10.4967% | 2,129 |
| Retained earnings to average equity (ytd only) | 10.4967% | 1,075 |
| Net charge-offs to loans | -0.0907% | 7,852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3181% | 6,194 |
| Assets per employee ($millions) | 4.5403% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,609 |
| Loan loss allowance to noncurrent loans | 181.2500% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 6,497 |
| Noncurrent loans to loans | 0.5126% | 6,145 |
| Net loans and leases to total assets | 65.6711% | 4,654 |
| Net loans and leases to deposits | 80.6373% | 4,510 |
| Net loans and leases to core deposits | 89.4967% | 5,606 |
| Total domestic deposits to total assets | 81.4401% | 4,769 |
| Equity capital to assets | 10.7623% | 3,222 |
| Core capital (leverage) ratio | 9.1216% | 4,520 |
| Tier 1 risk-based capital ratio | 12.0872% | 4,887 |
| Total risk-based capital ratio | 12.9181% | 5,151 |
| Memoranda: | ||
| Average total assets | $126,581,500 | 4,480 |
| Average earning assets | $116,024,500 | 4,479 |
| Average equity | $13,490,000 | 4,450 |
| Average total loans | $83,800,000 | 4,501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2305% | 4,351 |
| Cost of funding earning assets | 1.8746% | 6,808 |
| Net interest margin | 4.3559% | 1,807 |
| Noninterest income to average assets | 0.3052% | 6,269 |
| Noninterest expense to average assets | 2.4559% | 6,181 |
| Loan and lease loss provision to assets | 0.0476% | 6,824 |
| Net operating income to assets | 1.2859% | 1,525 |
| Return on assets (ROA) | 1.2953% | 1,447 |
| Pretax return on assets | 1.8622% | 829 |
| Return on Equity (ROE) | 12.3814% | 1,490 |
| Retained earnings to average equity (ytd only) | 5.5618% | 1,734 |
| Net charge-offs to loans | 0.3954% | 2,839 |
| Credit loss provision to net charge-offs | 19.0476% | 6,586 |
| Earnings coverage of net charge-offs (x) | 7.5937% | 3,071 |
| Efficiency ratio | 53.5155% | 7,327 |
| Assets per employee ($millions) | 4.3460% | 2,889 |
| Cash dividends to net income (ytd only)* | 55.0796% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,585 |
| Loan loss allowance to noncurrent loans | 150.9881% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 6,014 |
| Noncurrent loans to loans | 0.6072% | 5,550 |
| Net loans and leases to total assets | 65.5109% | 4,948 |
| Net loans and leases to deposits | 79.7146% | 5,096 |
| Net loans and leases to core deposits | 88.4904% | 5,929 |
| Total domestic deposits to total assets | 82.1818% | 4,128 |
| Equity capital to assets | 10.5511% | 3,439 |
| Core capital (leverage) ratio | 8.7132% | 5,174 |
| Tier 1 risk-based capital ratio | 11.8038% | 4,983 |
| Total risk-based capital ratio | 12.6235% | 5,260 |
| Memoranda: | ||
| Average total assets | $126,144,000 | 4,371 |
| Average earning assets | $117,197,600 | 4,331 |
| Average equity | $13,197,200 | 4,522 |
| Average total loans | $79,664,800 | 4,528 |