Home > VISIONBANK OF IOWA > Performance and Condition Ratios
VISIONBANK OF IOWA, 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 | 5.0452% | 1,981 |
| Cost of funding earning assets | 1.5668% | 1,779 |
| Net interest margin | 3.4784% | 2,238 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.5647% | 2,108 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0302% | 2,118 |
| Return on assets (ROA) | 1.0302% | 2,099 |
| Pretax return on assets | 1.0820% | 2,465 |
| Return on Equity (ROE) | 10.6900% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.7278% | 2,704 |
| Net charge-offs to loans | 0.0497% | 1,370 |
| Credit loss provision to net charge-offs | 221.5190% | 1,152 |
| Earnings coverage of net charge-offs (x) | 28.9842% | 1,655 |
| Efficiency ratio | 68.6443% | 2,038 |
| Assets per employee ($millions) | 6.2447% | 2,593 |
| Cash dividends to net income (ytd only)* | 55.7859% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 2,833 |
| Loan loss allowance to noncurrent loans | 2,863.5659% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,445 |
| Noncurrent loans to loans | 0.0385% | 3,449 |
| Net loans and leases to total assets | 81.7400% | 454 |
| Net loans and leases to deposits | 98.4267% | 622 |
| Net loans and leases to core deposits | 106.4710% | 1,096 |
| Total domestic deposits to total assets | 83.0500% | 2,881 |
| Equity capital to assets | 9.5587% | 2,305 |
| Core capital (leverage) ratio | 8.5921% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2817% | 2,883 |
| Memoranda: | ||
| Average total assets | $781,808,800 | 1,203 |
| Average earning assets | $729,530,200 | 1,191 |
| Average equity | $75,319,800 | 1,179 |
| Average total loans | $636,193,800 | 1,046 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 1,937 |
| Cost of funding earning assets | 1.4506% | 1,733 |
| Net interest margin | 3.5041% | 2,201 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.6048% | 1,928 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0647% | 2,169 |
| Return on assets (ROA) | 1.0647% | 2,159 |
| Pretax return on assets | 1.1184% | 2,511 |
| Return on Equity (ROE) | 11.0300% | 2,367 |
| Retained earnings to average equity (ytd only) | 4.8498% | 2,986 |
| Net charge-offs to loans | 0.0304% | 1,470 |
| Credit loss provision to net charge-offs | 209.7902% | 1,092 |
| Earnings coverage of net charge-offs (x) | 47.5175% | 1,340 |
| Efficiency ratio | 69.0037% | 1,903 |
| Assets per employee ($millions) | 6.2471% | 2,527 |
| Cash dividends to net income (ytd only)* | 56.0246% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 2,857 |
| Loan loss allowance to noncurrent loans | 1,696.9194% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,273 |
| Noncurrent loans to loans | 0.0650% | 3,289 |
| Net loans and leases to total assets | 80.9500% | 546 |
| Net loans and leases to deposits | 96.7143% | 700 |
| Net loans and leases to core deposits | 106.1344% | 1,009 |
| Total domestic deposits to total assets | 83.7000% | 2,858 |
| Equity capital to assets | 9.4921% | 2,099 |
| Core capital (leverage) ratio | 8.6402% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4001% | 2,890 |
| Memoranda: | ||
| Average total assets | $774,309,250 | 1,207 |
| Average earning assets | $722,792,250 | 1,195 |
| Average equity | $74,750,250 | 1,180 |
| Average total loans | $627,505,250 | 1,051 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 1,870 |
| Cost of funding earning assets | 1.3225% | 1,650 |
| Net interest margin | 3.5336% | 2,196 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.6757% | 1,700 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0188% | 2,363 |
| Return on assets (ROA) | 1.0188% | 2,352 |
| Pretax return on assets | 1.0704% | 2,723 |
| Return on Equity (ROE) | 10.4900% | 2,557 |
| Retained earnings to average equity (ytd only) | 4.7208% | 3,020 |
| Net charge-offs to loans | 0.0190% | 1,516 |
| Credit loss provision to net charge-offs | 338.9831% | 801 |
| Earnings coverage of net charge-offs (x) | 73.0508% | 1,097 |
| Efficiency ratio | 70.4471% | 1,726 |
| Assets per employee ($millions) | 5.8323% | 2,855 |
| Cash dividends to net income (ytd only)* | 55.0102% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 2,927 |
| Loan loss allowance to noncurrent loans | 1,082.5758% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 2,951 |
| Noncurrent loans to loans | 0.1023% | 2,976 |
| Net loans and leases to total assets | 81.0000% | 523 |
| Net loans and leases to deposits | 96.8196% | 681 |
| Net loans and leases to core deposits | 106.0099% | 988 |
| Total domestic deposits to total assets | 83.6600% | 2,901 |
| Equity capital to assets | 9.5055% | 2,158 |
| Core capital (leverage) ratio | 8.5112% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2767% | 2,921 |
| Memoranda: | ||
| Average total assets | $767,953,667 | 1,212 |
| Average earning assets | $716,540,333 | 1,207 |
| Average equity | $74,564,333 | 1,178 |
| Average total loans | $620,214,667 | 1,054 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 1,783 |
| Cost of funding earning assets | 1.1280% | 1,672 |
| Net interest margin | 3.5992% | 2,131 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.6862% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0783% | 2,294 |
| Return on assets (ROA) | 1.0783% | 2,262 |
| Pretax return on assets | 1.1331% | 2,615 |
| Return on Equity (ROE) | 10.9900% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.9392% | 3,035 |
| Net charge-offs to loans | 0.0243% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 58.0541% | 1,043 |
| Efficiency ratio | 70.3315% | 1,716 |
| Assets per employee ($millions) | 5.7623% | 2,968 |
| Cash dividends to net income (ytd only)* | 55.0391% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,879 |
| Loan loss allowance to noncurrent loans | 1,021.5543% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,915 |
| Noncurrent loans to loans | 0.1111% | 2,963 |
| Net loans and leases to total assets | 79.7700% | 561 |
| Net loans and leases to deposits | 96.5804% | 621 |
| Net loans and leases to core deposits | 105.2147% | 868 |
| Total domestic deposits to total assets | 82.5900% | 3,383 |
| Equity capital to assets | 9.8011% | 1,933 |
| Core capital (leverage) ratio | 8.7305% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5191% | 2,999 |
| Memoranda: | ||
| Average total assets | $758,247,000 | 1,242 |
| Average earning assets | $704,941,500 | 1,233 |
| Average equity | $74,425,000 | 1,188 |
| Average total loans | $607,865,500 | 1,082 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 2,218 |
| Cost of funding earning assets | 0.6377% | 760 |
| Net interest margin | 3.1828% | 2,921 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.5127% | 2,066 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9024% | 2,950 |
| Return on assets (ROA) | 0.9024% | 2,887 |
| Pretax return on assets | 0.9480% | 3,225 |
| Return on Equity (ROE) | 9.0700% | 3,115 |
| Retained earnings to average equity (ytd only) | -11.9042% | 4,650 |
| Net charge-offs to loans | -0.0023% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.0244% | 1,438 |
| Assets per employee ($millions) | 5.8144% | 2,938 |
| Cash dividends to net income (ytd only)* | 231.2755% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 3,549 |
| Loan loss allowance to noncurrent loans | 292.9329% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 1,855 |
| Noncurrent loans to loans | 0.3290% | 1,974 |
| Net loans and leases to total assets | 78.8800% | 708 |
| Net loans and leases to deposits | 94.9468% | 717 |
| Net loans and leases to core deposits | 102.4346% | 876 |
| Total domestic deposits to total assets | 83.0800% | 3,402 |
| Equity capital to assets | 9.8298% | 1,798 |
| Core capital (leverage) ratio | 8.5592% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4375% | 3,035 |
| Memoranda: | ||
| Average total assets | $624,696,800 | 1,430 |
| Average earning assets | $592,273,600 | 1,402 |
| Average equity | $62,162,800 | 1,361 |
| Average total loans | $513,062,000 | 1,156 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 2,397 |
| Cost of funding earning assets | 0.5518% | 574 |
| Net interest margin | 3.0292% | 3,146 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.5481% | 1,869 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7605% | 3,387 |
| Return on assets (ROA) | 0.7605% | 3,333 |
| Pretax return on assets | 0.7990% | 3,575 |
| Return on Equity (ROE) | 7.6100% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.5222% | 3,608 |
| Net charge-offs to loans | -0.0016% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6200% | 1,111 |
| Assets per employee ($millions) | 5.8538% | 2,892 |
| Cash dividends to net income (ytd only)* | 53.7322% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,854 |
| Loan loss allowance to noncurrent loans | 381.0253% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 1,923 |
| Noncurrent loans to loans | 0.2981% | 2,173 |
| Net loans and leases to total assets | 85.9500% | 126 |
| Net loans and leases to deposits | 106.6067% | 181 |
| Net loans and leases to core deposits | 117.2484% | 308 |
| Total domestic deposits to total assets | 80.6300% | 4,038 |
| Equity capital to assets | 10.0432% | 1,599 |
| Core capital (leverage) ratio | 10.4798% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2288% | 2,743 |
| Memoranda: | ||
| Average total assets | $591,901,750 | 1,508 |
| Average earning assets | $564,661,750 | 1,474 |
| Average equity | $59,128,250 | 1,436 |
| Average total loans | $490,815,000 | 1,190 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 2,428 |
| Cost of funding earning assets | 0.4594% | 659 |
| Net interest margin | 2.9427% | 3,054 |
| Noninterest income to average assets | 0.5013% | 2,196 |
| Noninterest expense to average assets | 2.5710% | 1,718 |
| Loan and lease loss provision to assets | 0.0084% | 2,441 |
| Net operating income to assets | 0.6896% | 3,340 |
| Return on assets (ROA) | 0.6896% | 3,295 |
| Pretax return on assets | 0.7245% | 3,521 |
| Return on Equity (ROE) | 6.9149% | 3,332 |
| Retained earnings to average equity (ytd only) | 3.4591% | 3,288 |
| Net charge-offs to loans | -0.0029% | 3,196 |
| Credit loss provision to net charge-offs | -357.1429% | 3,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8184% | 1,098 |
| Assets per employee ($millions) | 5.6109% | 3,118 |
| Cash dividends to net income (ytd only)* | 49.9757% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,005 |
| Loan loss allowance to noncurrent loans | 377.3547% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 2,060 |
| Noncurrent loans to loans | 0.3012% | 2,257 |
| Net loans and leases to total assets | 82.6186% | 258 |
| Net loans and leases to deposits | 101.0841% | 241 |
| Net loans and leases to core deposits | 110.3491% | 346 |
| Total domestic deposits to total assets | 81.7325% | 4,043 |
| Equity capital to assets | 9.8993% | 1,765 |
| Core capital (leverage) ratio | 10.3896% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1861% | 2,755 |
| Memoranda: | ||
| Average total assets | $596,027,667 | 1,503 |
| Average earning assets | $567,641,667 | 1,475 |
| Average equity | $59,436,667 | 1,448 |
| Average total loans | $486,471,333 | 1,194 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 2,361 |
| Cost of funding earning assets | 0.4316% | 715 |
| Net interest margin | 2.8771% | 2,906 |
| Noninterest income to average assets | 0.5015% | 2,131 |
| Noninterest expense to average assets | 2.5924% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6255% | 3,313 |
| Return on assets (ROA) | 0.6255% | 3,291 |
| Pretax return on assets | 0.6577% | 3,500 |
| Return on Equity (ROE) | 6.2495% | 3,269 |
| Retained earnings to average equity (ytd only) | 3.1281% | 3,216 |
| Net charge-offs to loans | -0.0033% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7649% | 1,170 |
| Assets per employee ($millions) | 5.7015% | 3,118 |
| Cash dividends to net income (ytd only)* | 49.9464% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,036 |
| Loan loss allowance to noncurrent loans | 374.7333% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 2,132 |
| Noncurrent loans to loans | 0.3106% | 2,346 |
| Net loans and leases to total assets | 80.5102% | 220 |
| Net loans and leases to deposits | 98.4549% | 216 |
| Net loans and leases to core deposits | 104.3008% | 386 |
| Total domestic deposits to total assets | 81.7736% | 4,103 |
| Equity capital to assets | 9.9555% | 1,928 |
| Core capital (leverage) ratio | 10.2785% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5553% | 2,756 |
| Memoranda: | ||
| Average total assets | $596,663,000 | 1,512 |
| Average earning assets | $570,016,000 | 1,480 |
| Average equity | $59,716,500 | 1,493 |
| Average total loans | $481,192,500 | 1,196 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 2,669 |
| Cost of funding earning assets | 0.5651% | 652 |
| Net interest margin | 2.9330% | 3,364 |
| Noninterest income to average assets | 0.5971% | 2,170 |
| Noninterest expense to average assets | 2.4121% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9356% | 2,918 |
| Return on assets (ROA) | 0.9356% | 2,984 |
| Pretax return on assets | 0.9827% | 3,309 |
| Return on Equity (ROE) | 9.3708% | 2,770 |
| Retained earnings to average equity (ytd only) | 4.6854% | 2,930 |
| Net charge-offs to loans | -0.0021% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0530% | 1,609 |
| Assets per employee ($millions) | 5.8288% | 2,918 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 3,014 |
| Loan loss allowance to noncurrent loans | 376.2224% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 2,327 |
| Noncurrent loans to loans | 0.3114% | 2,474 |
| Net loans and leases to total assets | 78.9109% | 322 |
| Net loans and leases to deposits | 97.2497% | 272 |
| Net loans and leases to core deposits | 103.4998% | 421 |
| Total domestic deposits to total assets | 81.1425% | 4,089 |
| Equity capital to assets | 10.0607% | 2,599 |
| Core capital (leverage) ratio | 9.9675% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7165% | 2,720 |
| Memoranda: | ||
| Average total assets | $593,872,200 | 1,468 |
| Average earning assets | $566,475,200 | 1,440 |
| Average equity | $59,290,400 | 1,524 |
| Average total loans | $467,020,400 | 1,226 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 2,725 |
| Cost of funding earning assets | 0.5938% | 658 |
| Net interest margin | 2.9425% | 3,454 |
| Noninterest income to average assets | 0.5736% | 2,326 |
| Noninterest expense to average assets | 2.4187% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9142% | 3,205 |
| Return on assets (ROA) | 0.9142% | 3,274 |
| Pretax return on assets | 0.9604% | 3,563 |
| Return on Equity (ROE) | 9.1752% | 3,051 |
| Retained earnings to average equity (ytd only) | 4.5887% | 3,376 |
| Net charge-offs to loans | -0.0029% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5789% | 1,439 |
| Assets per employee ($millions) | 5.8024% | 2,890 |
| Cash dividends to net income (ytd only)* | 49.9877% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,752 |
| Loan loss allowance to noncurrent loans | 375.2171% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 2,215 |
| Noncurrent loans to loans | 0.3324% | 2,590 |
| Net loans and leases to total assets | 73.6996% | 719 |
| Net loans and leases to deposits | 90.6074% | 571 |
| Net loans and leases to core deposits | 97.6339% | 670 |
| Total domestic deposits to total assets | 81.3395% | 4,045 |
| Equity capital to assets | 9.9334% | 2,965 |
| Core capital (leverage) ratio | 9.8471% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2205% | 2,640 |
| Memoranda: | ||
| Average total assets | $592,248,750 | 1,483 |
| Average earning assets | $564,680,500 | 1,459 |
| Average equity | $59,012,750 | 1,552 |
| Average total loans | $463,932,750 | 1,254 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 2,748 |
| Cost of funding earning assets | 0.6219% | 664 |
| Net interest margin | 2.9366% | 3,487 |
| Noninterest income to average assets | 0.6515% | 2,000 |
| Noninterest expense to average assets | 2.4835% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9186% | 3,168 |
| Return on assets (ROA) | 0.9186% | 3,243 |
| Pretax return on assets | 0.9651% | 3,513 |
| Return on Equity (ROE) | 9.2091% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.6063% | 3,326 |
| Net charge-offs to loans | -0.0026% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0142% | 1,434 |
| Assets per employee ($millions) | 5.7555% | 2,842 |
| Cash dividends to net income (ytd only)* | 49.9815% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,947 |
| Loan loss allowance to noncurrent loans | 358.6581% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 2,115 |
| Noncurrent loans to loans | 0.3340% | 2,715 |
| Net loans and leases to total assets | 76.5983% | 536 |
| Net loans and leases to deposits | 94.3787% | 440 |
| Net loans and leases to core deposits | 101.0778% | 626 |
| Total domestic deposits to total assets | 81.1606% | 4,070 |
| Equity capital to assets | 9.8175% | 3,039 |
| Core capital (leverage) ratio | 9.8839% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0715% | 2,697 |
| Memoranda: | ||
| Average total assets | $588,515,000 | 1,481 |
| Average earning assets | $560,582,000 | 1,457 |
| Average equity | $58,702,667 | 1,553 |
| Average total loans | $468,458,000 | 1,246 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 2,472 |
| Cost of funding earning assets | 0.6473% | 709 |
| Net interest margin | 3.0133% | 3,224 |
| Noninterest income to average assets | 0.7475% | 1,727 |
| Noninterest expense to average assets | 2.6083% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9576% | 2,944 |
| Return on assets (ROA) | 0.9576% | 3,038 |
| Pretax return on assets | 1.0065% | 3,351 |
| Return on Equity (ROE) | 9.5223% | 2,847 |
| Retained earnings to average equity (ytd only) | 4.7612% | 3,295 |
| Net charge-offs to loans | -0.0034% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1555% | 1,479 |
| Assets per employee ($millions) | 5.6383% | 2,977 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,878 |
| Loan loss allowance to noncurrent loans | 368.9020% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 2,240 |
| Noncurrent loans to loans | 0.3279% | 2,922 |
| Net loans and leases to total assets | 78.1428% | 460 |
| Net loans and leases to deposits | 97.8592% | 351 |
| Net loans and leases to core deposits | 105.6972% | 525 |
| Total domestic deposits to total assets | 79.8523% | 4,226 |
| Equity capital to assets | 10.0145% | 2,694 |
| Core capital (leverage) ratio | 10.1090% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1714% | 2,599 |
| Memoranda: | ||
| Average total assets | $580,608,000 | 1,491 |
| Average earning assets | $552,490,000 | 1,467 |
| Average equity | $58,389,000 | 1,552 |
| Average total loans | $468,427,500 | 1,246 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 2,862 |
| Cost of funding earning assets | 0.9951% | 604 |
| Net interest margin | 2.9619% | 3,980 |
| Noninterest income to average assets | 0.8896% | 1,296 |
| Noninterest expense to average assets | 2.3574% | 3,250 |
| Loan and lease loss provision to assets | 0.2463% | 1,568 |
| Net operating income to assets | 1.0576% | 2,075 |
| Return on assets (ROA) | 1.0576% | 2,210 |
| Pretax return on assets | 1.1108% | 2,651 |
| Return on Equity (ROE) | 10.4547% | 1,828 |
| Retained earnings to average equity (ytd only) | 5.2282% | 2,172 |
| Net charge-offs to loans | 0.1498% | 1,083 |
| Credit loss provision to net charge-offs | 198.4127% | 2,168 |
| Earnings coverage of net charge-offs (x) | 10.9336% | 2,429 |
| Efficiency ratio | 63.4650% | 2,901 |
| Assets per employee ($millions) | 5.5273% | 2,818 |
| Cash dividends to net income (ytd only)* | 49.9915% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,026 |
| Loan loss allowance to noncurrent loans | 203.6687% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 1,686 |
| Noncurrent loans to loans | 0.5820% | 2,244 |
| Net loans and leases to total assets | 81.3142% | 339 |
| Net loans and leases to deposits | 103.0374% | 284 |
| Net loans and leases to core deposits | 111.9458% | 459 |
| Total domestic deposits to total assets | 78.9172% | 4,210 |
| Equity capital to assets | 10.0994% | 3,032 |
| Core capital (leverage) ratio | 10.0009% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6882% | 2,738 |
| Memoranda: | ||
| Average total assets | $558,322,200 | 1,422 |
| Average earning assets | $532,493,600 | 1,385 |
| Average equity | $56,481,800 | 1,516 |
| Average total loans | $462,520,000 | 1,203 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 2,926 |
| Cost of funding earning assets | 1.0662% | 610 |
| Net interest margin | 2.9496% | 4,089 |
| Noninterest income to average assets | 0.8923% | 1,249 |
| Noninterest expense to average assets | 2.3021% | 3,412 |
| Loan and lease loss provision to assets | 0.3188% | 1,244 |
| Net operating income to assets | 1.0340% | 2,211 |
| Return on assets (ROA) | 1.0340% | 2,339 |
| Pretax return on assets | 1.0862% | 2,793 |
| Return on Equity (ROE) | 10.2169% | 1,949 |
| Retained earnings to average equity (ytd only) | 5.1085% | 2,513 |
| Net charge-offs to loans | -0.0148% | 4,327 |
| Credit loss provision to net charge-offs | -2,598.0392% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1001% | 3,062 |
| Assets per employee ($millions) | 6.0904% | 2,189 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,088 |
| Loan loss allowance to noncurrent loans | 269.9657% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,045 |
| Noncurrent loans to loans | 0.4880% | 2,598 |
| Net loans and leases to total assets | 83.3267% | 333 |
| Net loans and leases to deposits | 106.5951% | 309 |
| Net loans and leases to core deposits | 119.0217% | 435 |
| Total domestic deposits to total assets | 78.1713% | 4,171 |
| Equity capital to assets | 10.1202% | 3,126 |
| Core capital (leverage) ratio | 9.9921% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8165% | 2,677 |
| Memoranda: | ||
| Average total assets | $554,193,500 | 1,414 |
| Average earning assets | $528,867,000 | 1,379 |
| Average equity | $56,088,500 | 1,511 |
| Average total loans | $459,892,250 | 1,205 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,917 |
| Cost of funding earning assets | 1.1418% | 628 |
| Net interest margin | 3.0053% | 4,116 |
| Noninterest income to average assets | 0.7660% | 1,536 |
| Noninterest expense to average assets | 2.2562% | 3,637 |
| Loan and lease loss provision to assets | 0.4090% | 980 |
| Net operating income to assets | 0.9183% | 2,631 |
| Return on assets (ROA) | 0.9183% | 2,751 |
| Pretax return on assets | 0.9649% | 3,129 |
| Return on Equity (ROE) | 9.0737% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.5369% | 2,688 |
| Net charge-offs to loans | -0.0357% | 4,589 |
| Credit loss provision to net charge-offs | -1,388.8889% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1532% | 3,107 |
| Assets per employee ($millions) | 6.3305% | 1,928 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 1,984 |
| Loan loss allowance to noncurrent loans | 478.9844% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 2,821 |
| Noncurrent loans to loans | 0.2722% | 3,409 |
| Net loans and leases to total assets | 80.5530% | 529 |
| Net loans and leases to deposits | 103.4280% | 398 |
| Net loans and leases to core deposits | 119.3652% | 443 |
| Total domestic deposits to total assets | 77.8831% | 4,200 |
| Equity capital to assets | 9.7998% | 3,367 |
| Core capital (leverage) ratio | 10.0233% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0708% | 2,579 |
| Memoranda: | ||
| Average total assets | $550,121,333 | 1,392 |
| Average earning assets | $524,281,333 | 1,364 |
| Average equity | $55,677,333 | 1,507 |
| Average total loans | $453,765,667 | 1,204 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 3,070 |
| Cost of funding earning assets | 1.2784% | 598 |
| Net interest margin | 2.9717% | 4,329 |
| Noninterest income to average assets | 0.5287% | 2,393 |
| Noninterest expense to average assets | 2.2646% | 3,846 |
| Loan and lease loss provision to assets | 0.5399% | 538 |
| Net operating income to assets | 0.5302% | 3,810 |
| Return on assets (ROA) | 0.5302% | 3,870 |
| Pretax return on assets | 0.5563% | 4,016 |
| Return on Equity (ROE) | 5.1511% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.2138% | 3,364 |
| Net charge-offs to loans | -0.0745% | 4,752 |
| Credit loss provision to net charge-offs | -873.4940% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3831% | 2,758 |
| Assets per employee ($millions) | 5.7864% | 1,852 |
| Cash dividends to net income (ytd only)* | 57.0225% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,251 |
| Loan loss allowance to noncurrent loans | 386.5813% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,719 |
| Noncurrent loans to loans | 0.3301% | 3,309 |
| Net loans and leases to total assets | 83.3030% | 323 |
| Net loans and leases to deposits | 109.8924% | 191 |
| Net loans and leases to core deposits | 130.8259% | 258 |
| Total domestic deposits to total assets | 75.8042% | 4,506 |
| Equity capital to assets | 10.4261% | 3,387 |
| Core capital (leverage) ratio | 10.2926% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7937% | 2,798 |
| Memoranda: | ||
| Average total assets | $537,146,000 | 1,382 |
| Average earning assets | $511,894,000 | 1,347 |
| Average equity | $55,289,000 | 1,515 |
| Average total loans | $445,561,500 | 1,193 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 2,454 |
| Cost of funding earning assets | 1.3274% | 710 |
| Net interest margin | 3.3284% | 3,923 |
| Noninterest income to average assets | 0.5155% | 2,644 |
| Noninterest expense to average assets | 2.3180% | 3,901 |
| Loan and lease loss provision to assets | 0.0298% | 3,419 |
| Net operating income to assets | 1.2613% | 1,828 |
| Return on assets (ROA) | 1.2613% | 1,912 |
| Pretax return on assets | 1.3248% | 2,415 |
| Return on Equity (ROE) | 11.8596% | 1,568 |
| Retained earnings to average equity (ytd only) | 5.3379% | 2,257 |
| Net charge-offs to loans | -0.0132% | 4,541 |
| Credit loss provision to net charge-offs | -267.8571% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1163% | 3,205 |
| Assets per employee ($millions) | 5.9554% | 1,661 |
| Cash dividends to net income (ytd only)* | 54.9906% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 2,856 |
| Loan loss allowance to noncurrent loans | 304.5764% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 2,589 |
| Noncurrent loans to loans | 0.3659% | 3,139 |
| Net loans and leases to total assets | 80.6362% | 712 |
| Net loans and leases to deposits | 105.7064% | 310 |
| Net loans and leases to core deposits | 126.7366% | 329 |
| Total domestic deposits to total assets | 76.2832% | 4,570 |
| Equity capital to assets | 10.1625% | 3,772 |
| Core capital (leverage) ratio | 10.4986% | 2,956 |
| Tier 1 risk-based capital ratio | 11.8060% | 4,470 |
| Total risk-based capital ratio | 12.8700% | 4,450 |
| Memoranda: | ||
| Average total assets | $503,625,200 | 1,418 |
| Average earning assets | $477,704,800 | 1,388 |
| Average equity | $53,560,200 | 1,508 |
| Average total loans | $423,045,600 | 1,213 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 2,272 |
| Cost of funding earning assets | 1.3182% | 748 |
| Net interest margin | 3.4310% | 3,779 |
| Noninterest income to average assets | 0.4774% | 2,865 |
| Noninterest expense to average assets | 2.3439% | 3,831 |
| Loan and lease loss provision to assets | 0.0405% | 3,097 |
| Net operating income to assets | 1.2819% | 1,913 |
| Return on assets (ROA) | 1.2819% | 1,997 |
| Pretax return on assets | 1.3467% | 2,511 |
| Return on Equity (ROE) | 11.9086% | 1,652 |
| Retained earnings to average equity (ytd only) | 5.3601% | 2,700 |
| Net charge-offs to loans | -0.0185% | 4,565 |
| Credit loss provision to net charge-offs | -258.6207% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8210% | 3,195 |
| Assets per employee ($millions) | 5.4941% | 2,039 |
| Cash dividends to net income (ytd only)* | 54.9894% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,698 |
| Loan loss allowance to noncurrent loans | 1,955.1587% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 3,688 |
| Noncurrent loans to loans | 0.0595% | 4,370 |
| Net loans and leases to total assets | 85.5629% | 218 |
| Net loans and leases to deposits | 114.5322% | 135 |
| Net loans and leases to core deposits | 136.6817% | 217 |
| Total domestic deposits to total assets | 74.7064% | 4,767 |
| Equity capital to assets | 11.1144% | 2,996 |
| Core capital (leverage) ratio | 11.0575% | 2,596 |
| Tier 1 risk-based capital ratio | 12.0710% | 4,383 |
| Total risk-based capital ratio | 13.1738% | 4,343 |
| Memoranda: | ||
| Average total assets | $494,045,500 | 1,447 |
| Average earning assets | $468,506,500 | 1,427 |
| Average equity | $53,181,500 | 1,515 |
| Average total loans | $418,325,000 | 1,230 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,268 |
| Cost of funding earning assets | 1.3109% | 720 |
| Net interest margin | 3.4213% | 3,827 |
| Noninterest income to average assets | 0.4361% | 3,031 |
| Noninterest expense to average assets | 2.3561% | 3,858 |
| Loan and lease loss provision to assets | 0.0605% | 2,613 |
| Net operating income to assets | 1.2006% | 2,148 |
| Return on assets (ROA) | 1.2006% | 2,210 |
| Pretax return on assets | 1.2616% | 2,705 |
| Return on Equity (ROE) | 11.2742% | 1,882 |
| Retained earnings to average equity (ytd only) | 5.0726% | 2,732 |
| Net charge-offs to loans | -0.0269% | 4,646 |
| Credit loss provision to net charge-offs | -267.8571% | 4,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0562% | 3,124 |
| Assets per employee ($millions) | 5.2999% | 2,153 |
| Cash dividends to net income (ytd only)* | 55.0067% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,584 |
| Loan loss allowance to noncurrent loans | 3,568.8406% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,783 |
| Noncurrent loans to loans | 0.0333% | 4,551 |
| Net loans and leases to total assets | 83.0585% | 464 |
| Net loans and leases to deposits | 111.9446% | 183 |
| Net loans and leases to core deposits | 131.7890% | 288 |
| Total domestic deposits to total assets | 74.1961% | 4,819 |
| Equity capital to assets | 10.8624% | 3,213 |
| Core capital (leverage) ratio | 10.7293% | 2,864 |
| Tier 1 risk-based capital ratio | 12.2567% | 4,264 |
| Total risk-based capital ratio | 13.3929% | 4,225 |
| Memoranda: | ||
| Average total assets | $495,734,670 | 1,442 |
| Average earning assets | $469,762,330 | 1,416 |
| Average equity | $52,793,000 | 1,517 |
| Average total loans | $416,663,000 | 1,232 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6568% | 2,360 |
| Cost of funding earning assets | 1.2832% | 695 |
| Net interest margin | 3.3737% | 3,968 |
| Noninterest income to average assets | 0.3733% | 3,363 |
| Noninterest expense to average assets | 2.3655% | 3,859 |
| Loan and lease loss provision to assets | 0.0603% | 2,451 |
| Net operating income to assets | 1.0902% | 2,510 |
| Return on assets (ROA) | 1.0902% | 2,554 |
| Pretax return on assets | 1.1481% | 2,983 |
| Return on Equity (ROE) | 10.3397% | 2,224 |
| Retained earnings to average equity (ytd only) | 4.6548% | 3,059 |
| Net charge-offs to loans | -0.0517% | 4,841 |
| Credit loss provision to net charge-offs | -138.8889% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1864% | 2,918 |
| Assets per employee ($millions) | 5.3100% | 2,158 |
| Cash dividends to net income (ytd only)* | 54.9815% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,887 |
| Loan loss allowance to noncurrent loans | 1,707.0423% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 3,717 |
| Noncurrent loans to loans | 0.0670% | 4,458 |
| Net loans and leases to total assets | 84.8043% | 299 |
| Net loans and leases to deposits | 114.8468% | 138 |
| Net loans and leases to core deposits | 136.2508% | 231 |
| Total domestic deposits to total assets | 73.8413% | 4,946 |
| Equity capital to assets | 10.6810% | 3,181 |
| Core capital (leverage) ratio | 10.6047% | 2,938 |
| Tier 1 risk-based capital ratio | 12.0354% | 4,437 |
| Total risk-based capital ratio | 13.1489% | 4,417 |
| Memoranda: | ||
| Average total assets | $497,156,500 | 1,443 |
| Average earning assets | $471,651,000 | 1,415 |
| Average equity | $52,419,500 | 1,515 |
| Average total loans | $417,838,000 | 1,236 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,413 |
| Cost of funding earning assets | 1.0968% | 501 |
| Net interest margin | 3.4200% | 3,941 |
| Noninterest income to average assets | 0.3163% | 4,002 |
| Noninterest expense to average assets | 2.4416% | 3,765 |
| Loan and lease loss provision to assets | 0.0354% | 3,489 |
| Net operating income to assets | 1.0261% | 2,901 |
| Return on assets (ROA) | 1.0261% | 2,890 |
| Pretax return on assets | 1.0777% | 3,357 |
| Return on Equity (ROE) | 9.6605% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.8650% | 3,455 |
| Net charge-offs to loans | -0.0138% | 4,588 |
| Credit loss provision to net charge-offs | -309.0909% | 4,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6852% | 2,436 |
| Assets per employee ($millions) | 5.5609% | 1,905 |
| Cash dividends to net income (ytd only)* | 59.9919% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,853 |
| Loan loss allowance to noncurrent loans | 3,602.2901% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 3,855 |
| Noncurrent loans to loans | 0.0318% | 4,631 |
| Net loans and leases to total assets | 81.3853% | 753 |
| Net loans and leases to deposits | 109.5188% | 264 |
| Net loans and leases to core deposits | 130.5162% | 310 |
| Total domestic deposits to total assets | 74.3118% | 4,926 |
| Equity capital to assets | 10.4086% | 3,273 |
| Core capital (leverage) ratio | 10.4017% | 3,138 |
| Tier 1 risk-based capital ratio | 12.1372% | 4,331 |
| Total risk-based capital ratio | 13.2431% | 4,324 |
| Memoranda: | ||
| Average total assets | $479,895,200 | 1,458 |
| Average earning assets | $454,413,200 | 1,437 |
| Average equity | $50,970,600 | 1,494 |
| Average total loans | $399,701,200 | 1,259 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 2,468 |
| Cost of funding earning assets | 1.0362% | 508 |
| Net interest margin | 3.4121% | 3,967 |
| Noninterest income to average assets | 0.2994% | 4,147 |
| Noninterest expense to average assets | 2.4568% | 3,708 |
| Loan and lease loss provision to assets | 0.0435% | 3,121 |
| Net operating income to assets | 0.9810% | 3,175 |
| Return on assets (ROA) | 0.9810% | 3,183 |
| Pretax return on assets | 1.0304% | 3,634 |
| Return on Equity (ROE) | 9.1877% | 3,007 |
| Retained earnings to average equity (ytd only) | 3.6745% | 3,932 |
| Net charge-offs to loans | -0.0013% | 4,042 |
| Credit loss provision to net charge-offs | -3,875.0000% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5832% | 2,258 |
| Assets per employee ($millions) | 5.3387% | 2,086 |
| Cash dividends to net income (ytd only)* | 60.0058% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,111 |
| Loan loss allowance to noncurrent loans | 3,253.8462% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 3,897 |
| Noncurrent loans to loans | 0.0342% | 4,744 |
| Net loans and leases to total assets | 83.1829% | 544 |
| Net loans and leases to deposits | 113.2593% | 203 |
| Net loans and leases to core deposits | 135.6795% | 248 |
| Total domestic deposits to total assets | 73.4446% | 5,025 |
| Equity capital to assets | 10.3679% | 3,266 |
| Core capital (leverage) ratio | 10.3304% | 3,253 |
| Tier 1 risk-based capital ratio | 11.6882% | 4,680 |
| Total risk-based capital ratio | 12.7500% | 4,676 |
| Memoranda: | ||
| Average total assets | $474,748,500 | 1,477 |
| Average earning assets | $449,598,500 | 1,456 |
| Average equity | $50,690,000 | 1,500 |
| Average total loans | $396,617,000 | 1,267 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,593 |
| Cost of funding earning assets | 0.9284% | 639 |
| Net interest margin | 3.4194% | 3,896 |
| Noninterest income to average assets | 0.2212% | 4,701 |
| Noninterest expense to average assets | 2.5074% | 3,614 |
| Loan and lease loss provision to assets | 0.0471% | 2,964 |
| Net operating income to assets | 0.8578% | 3,641 |
| Return on assets (ROA) | 0.8578% | 3,634 |
| Pretax return on assets | 0.9014% | 3,962 |
| Return on Equity (ROE) | 7.9519% | 3,525 |
| Retained earnings to average equity (ytd only) | 3.1808% | 3,978 |
| Net charge-offs to loans | -0.0010% | 3,890 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5551% | 1,909 |
| Assets per employee ($millions) | 5.3002% | 2,104 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,014 |
| Loan loss allowance to noncurrent loans | 3,050.3311% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 3,933 |
| Noncurrent loans to loans | 0.0375% | 4,748 |
| Net loans and leases to total assets | 80.7337% | 898 |
| Net loans and leases to deposits | 111.4366% | 244 |
| Net loans and leases to core deposits | 134.5385% | 259 |
| Total domestic deposits to total assets | 72.4481% | 5,147 |
| Equity capital to assets | 10.3202% | 3,323 |
| Core capital (leverage) ratio | 10.7425% | 2,762 |
| Tier 1 risk-based capital ratio | 11.9234% | 4,545 |
| Total risk-based capital ratio | 13.0083% | 4,523 |
| Memoranda: | ||
| Average total assets | $467,499,670 | 1,511 |
| Average earning assets | $442,247,000 | 1,480 |
| Average equity | $50,428,000 | 1,508 |
| Average total loans | $389,605,330 | 1,288 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,474 |
| Cost of funding earning assets | 0.8573% | 741 |
| Net interest margin | 3.4523% | 3,696 |
| Noninterest income to average assets | -0.0413% | 5,581 |
| Noninterest expense to average assets | 2.6087% | 3,314 |
| Loan and lease loss provision to assets | 0.0572% | 2,631 |
| Net operating income to assets | 0.5304% | 4,626 |
| Return on assets (ROA) | 0.5304% | 4,630 |
| Pretax return on assets | 0.5585% | 4,771 |
| Return on Equity (ROE) | 4.8041% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.9201% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9056% | 1,050 |
| Assets per employee ($millions) | 5.1332% | 2,319 |
| Cash dividends to net income (ytd only)* | 60.0332% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,887 |
| Loan loss allowance to noncurrent loans | 2,746.3855% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,845 |
| Noncurrent loans to loans | 0.0432% | 4,782 |
| Net loans and leases to total assets | 83.0586% | 531 |
| Net loans and leases to deposits | 110.1860% | 252 |
| Net loans and leases to core deposits | 130.5981% | 328 |
| Total domestic deposits to total assets | 75.3804% | 5,031 |
| Equity capital to assets | 11.0123% | 2,563 |
| Core capital (leverage) ratio | 10.9662% | 2,477 |
| Tier 1 risk-based capital ratio | 12.2929% | 4,386 |
| Total risk-based capital ratio | 13.4124% | 4,351 |
| Memoranda: | ||
| Average total assets | $454,791,000 | 1,553 |
| Average earning assets | $430,209,500 | 1,524 |
| Average equity | $50,207,000 | 1,526 |
| Average total loans | $383,130,000 | 1,306 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,096 |
| Cost of funding earning assets | 0.7331% | 878 |
| Net interest margin | 3.3550% | 3,993 |
| Noninterest income to average assets | 0.4120% | 3,554 |
| Noninterest expense to average assets | 2.4634% | 3,904 |
| Loan and lease loss provision to assets | 0.1844% | 1,155 |
| Net operating income to assets | 0.8833% | 2,800 |
| Return on assets (ROA) | 0.8833% | 2,822 |
| Pretax return on assets | 0.9297% | 3,814 |
| Return on Equity (ROE) | 8.1884% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.0942% | 2,713 |
| Net charge-offs to loans | 0.2307% | 1,120 |
| Credit loss provision to net charge-offs | 96.9977% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.8603% | 3,263 |
| Efficiency ratio | 68.8593% | 2,733 |
| Assets per employee ($millions) | 5.0869% | 2,373 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,919 |
| Loan loss allowance to noncurrent loans | 1,912.3404% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 3,282 |
| Noncurrent loans to loans | 0.0615% | 4,714 |
| Net loans and leases to total assets | 83.4387% | 505 |
| Net loans and leases to deposits | 109.5003% | 284 |
| Net loans and leases to core deposits | 131.4733% | 309 |
| Total domestic deposits to total assets | 76.1996% | 4,957 |
| Equity capital to assets | 11.0671% | 2,569 |
| Core capital (leverage) ratio | 11.1675% | 2,180 |
| Tier 1 risk-based capital ratio | 12.2164% | 4,390 |
| Total risk-based capital ratio | 13.3184% | 4,376 |
| Memoranda: | ||
| Average total assets | $455,544,200 | 1,531 |
| Average earning assets | $429,812,000 | 1,501 |
| Average equity | $49,142,600 | 1,541 |
| Average total loans | $375,300,000 | 1,301 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,202 |
| Cost of funding earning assets | 0.7231% | 870 |
| Net interest margin | 3.3206% | 4,103 |
| Noninterest income to average assets | 0.4679% | 3,229 |
| Noninterest expense to average assets | 2.4828% | 3,792 |
| Loan and lease loss provision to assets | 0.2104% | 895 |
| Net operating income to assets | 0.8612% | 3,224 |
| Return on assets (ROA) | 0.8612% | 3,273 |
| Pretax return on assets | 0.9068% | 4,018 |
| Return on Equity (ROE) | 8.0349% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.0188% | 3,530 |
| Net charge-offs to loans | 0.3997% | 532 |
| Credit loss provision to net charge-offs | 64.2857% | 2,755 |
| Earnings coverage of net charge-offs (x) | 3.4134% | 3,342 |
| Efficiency ratio | 68.9666% | 2,715 |
| Assets per employee ($millions) | 4.9300% | 2,534 |
| Cash dividends to net income (ytd only)* | 49.9829% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,286 |
| Loan loss allowance to noncurrent loans | 1,053.7084% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 3,066 |
| Noncurrent loans to loans | 0.1076% | 4,627 |
| Net loans and leases to total assets | 81.8801% | 711 |
| Net loans and leases to deposits | 108.3076% | 331 |
| Net loans and leases to core deposits | 125.8604% | 415 |
| Total domestic deposits to total assets | 75.5996% | 5,063 |
| Equity capital to assets | 11.3159% | 2,557 |
| Core capital (leverage) ratio | 10.9608% | 2,495 |
| Tier 1 risk-based capital ratio | 12.8295% | 4,122 |
| Total risk-based capital ratio | 13.9021% | 4,127 |
| Memoranda: | ||
| Average total assets | $456,247,500 | 1,538 |
| Average earning assets | $430,354,250 | 1,517 |
| Average equity | $48,902,250 | 1,560 |
| Average total loans | $373,563,250 | 1,317 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,465 |
| Cost of funding earning assets | 0.7002% | 892 |
| Net interest margin | 3.2260% | 4,334 |
| Noninterest income to average assets | 0.4488% | 3,361 |
| Noninterest expense to average assets | 2.4507% | 3,915 |
| Loan and lease loss provision to assets | 0.2597% | 634 |
| Net operating income to assets | 0.7423% | 3,657 |
| Return on assets (ROA) | 0.7423% | 3,723 |
| Pretax return on assets | 0.7817% | 4,336 |
| Return on Equity (ROE) | 7.0500% | 3,530 |
| Retained earnings to average equity (ytd only) | 3.5270% | 3,609 |
| Net charge-offs to loans | 0.6531% | 299 |
| Credit loss provision to net charge-offs | 48.7409% | 2,578 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 3,226 |
| Efficiency ratio | 70.1785% | 2,644 |
| Assets per employee ($millions) | 4.9523% | 2,448 |
| Cash dividends to net income (ytd only)* | 49.9708% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,807 |
| Loan loss allowance to noncurrent loans | 1,045.7447% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 3,112 |
| Noncurrent loans to loans | 0.1011% | 4,724 |
| Net loans and leases to total assets | 79.0376% | 1,088 |
| Net loans and leases to deposits | 101.4892% | 635 |
| Net loans and leases to core deposits | 117.4576% | 664 |
| Total domestic deposits to total assets | 77.8779% | 4,834 |
| Equity capital to assets | 10.5342% | 3,295 |
| Core capital (leverage) ratio | 10.5168% | 2,891 |
| Tier 1 risk-based capital ratio | 12.3170% | 4,410 |
| Total risk-based capital ratio | 13.3122% | 4,470 |
| Memoranda: | ||
| Average total assets | $462,073,000 | 1,517 |
| Average earning assets | $435,902,000 | 1,503 |
| Average equity | $48,652,670 | 1,570 |
| Average total loans | $376,955,670 | 1,306 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 3,490 |
| Cost of funding earning assets | 0.6678% | 988 |
| Net interest margin | 3.2059% | 4,325 |
| Noninterest income to average assets | 0.3962% | 3,691 |
| Noninterest expense to average assets | 2.4755% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9011% | 2,760 |
| Return on assets (ROA) | 0.9011% | 2,813 |
| Pretax return on assets | 0.9488% | 3,590 |
| Return on Equity (ROE) | 8.5597% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.2757% | 3,301 |
| Net charge-offs to loans | -0.0200% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2913% | 2,521 |
| Assets per employee ($millions) | 5.0678% | 2,353 |
| Cash dividends to net income (ytd only)* | 50.0482% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,959 |
| Loan loss allowance to noncurrent loans | 300.8536% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 2,461 |
| Noncurrent loans to loans | 0.4079% | 3,629 |
| Net loans and leases to total assets | 79.1098% | 964 |
| Net loans and leases to deposits | 101.4082% | 526 |
| Net loans and leases to core deposits | 117.2354% | 554 |
| Total domestic deposits to total assets | 78.0112% | 4,962 |
| Equity capital to assets | 10.4496% | 3,237 |
| Core capital (leverage) ratio | 10.6216% | 2,769 |
| Tier 1 risk-based capital ratio | 12.1325% | 4,631 |
| Total risk-based capital ratio | 13.2828% | 4,588 |
| Memoranda: | ||
| Average total assets | $460,349,500 | 1,532 |
| Average earning assets | $434,830,000 | 1,507 |
| Average equity | $48,459,500 | 1,568 |
| Average total loans | $379,499,500 | 1,305 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,564 |
| Cost of funding earning assets | 0.6537% | 1,034 |
| Net interest margin | 3.5235% | 3,341 |
| Noninterest income to average assets | 0.2197% | 5,094 |
| Noninterest expense to average assets | 2.5170% | 3,959 |
| Loan and lease loss provision to assets | -0.1152% | 5,706 |
| Net operating income to assets | 1.0674% | 2,046 |
| Return on assets (ROA) | 1.0746% | 2,116 |
| Pretax return on assets | 1.1310% | 2,963 |
| Return on Equity (ROE) | 9.9152% | 1,992 |
| Retained earnings to average equity (ytd only) | 4.9576% | 2,375 |
| Net charge-offs to loans | 0.0497% | 3,051 |
| Credit loss provision to net charge-offs | -268.8172% | 5,049 |
| Earnings coverage of net charge-offs (x) | 23.5376% | 1,676 |
| Efficiency ratio | 71.3987% | 2,683 |
| Assets per employee ($millions) | 4.8867% | 2,517 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,218 |
| Loan loss allowance to noncurrent loans | 291.9386% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 2,446 |
| Noncurrent loans to loans | 0.4054% | 3,696 |
| Net loans and leases to total assets | 83.8387% | 395 |
| Net loans and leases to deposits | 108.2374% | 268 |
| Net loans and leases to core deposits | 124.8345% | 366 |
| Total domestic deposits to total assets | 77.4582% | 5,054 |
| Equity capital to assets | 10.6057% | 3,032 |
| Core capital (leverage) ratio | 10.6057% | 2,766 |
| Tier 1 risk-based capital ratio | 11.5822% | 4,998 |
| Total risk-based capital ratio | 12.6876% | 4,991 |
| Memoranda: | ||
| Average total assets | $434,201,800 | 1,565 |
| Average earning assets | $407,346,200 | 1,545 |
| Average equity | $47,059,000 | 1,608 |
| Average total loans | $373,971,600 | 1,263 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,441 |
| Cost of funding earning assets | 0.6519% | 1,052 |
| Net interest margin | 3.5702% | 3,197 |
| Noninterest income to average assets | 0.3154% | 4,510 |
| Noninterest expense to average assets | 2.5377% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0649% | 2,144 |
| Return on assets (ROA) | 1.0747% | 2,203 |
| Pretax return on assets | 1.1312% | 3,108 |
| Return on Equity (ROE) | 9.8599% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.9314% | 2,878 |
| Net charge-offs to loans | -0.0302% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3614% | 2,989 |
| Assets per employee ($millions) | 4.9090% | 2,479 |
| Cash dividends to net income (ytd only)* | 49.9857% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,222 |
| Loan loss allowance to noncurrent loans | 303.3561% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 1,637 |
| Noncurrent loans to loans | 0.4603% | 3,634 |
| Net loans and leases to total assets | 84.2939% | 385 |
| Net loans and leases to deposits | 109.1283% | 279 |
| Net loans and leases to core deposits | 125.9287% | 368 |
| Total domestic deposits to total assets | 77.2430% | 5,038 |
| Equity capital to assets | 10.6749% | 3,379 |
| Core capital (leverage) ratio | 10.6384% | 2,839 |
| Tier 1 risk-based capital ratio | 11.4797% | 5,098 |
| Total risk-based capital ratio | 12.7302% | 5,011 |
| Memoranda: | ||
| Average total assets | $429,136,750 | 1,579 |
| Average earning assets | $401,877,250 | 1,557 |
| Average equity | $46,774,000 | 1,622 |
| Average total loans | $371,070,000 | 1,271 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,120 |
| Cost of funding earning assets | 0.6016% | 1,302 |
| Net interest margin | 3.7102% | 2,653 |
| Noninterest income to average assets | 0.1767% | 5,439 |
| Noninterest expense to average assets | 2.5865% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0050% | 2,367 |
| Return on assets (ROA) | 1.0050% | 2,502 |
| Pretax return on assets | 1.0579% | 3,372 |
| Return on Equity (ROE) | 9.1544% | 2,431 |
| Retained earnings to average equity (ytd only) | 4.5750% | 3,001 |
| Net charge-offs to loans | -0.0408% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9711% | 2,829 |
| Assets per employee ($millions) | 4.7621% | 2,611 |
| Cash dividends to net income (ytd only)* | 50.0235% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 2,138 |
| Loan loss allowance to noncurrent loans | 302.3282% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 1,624 |
| Noncurrent loans to loans | 0.4742% | 3,662 |
| Net loans and leases to total assets | 83.5405% | 460 |
| Net loans and leases to deposits | 108.5981% | 288 |
| Net loans and leases to core deposits | 126.8125% | 356 |
| Total domestic deposits to total assets | 76.9263% | 5,167 |
| Equity capital to assets | 10.7410% | 3,353 |
| Core capital (leverage) ratio | 11.0272% | 2,408 |
| Tier 1 risk-based capital ratio | 11.6335% | 5,071 |
| Total risk-based capital ratio | 12.8844% | 4,969 |
| Memoranda: | ||
| Average total assets | $423,276,000 | 1,604 |
| Average earning assets | $395,609,000 | 1,590 |
| Average equity | $46,469,670 | 1,634 |
| Average total loans | $367,463,330 | 1,274 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,673 |
| Cost of funding earning assets | 0.6020% | 1,321 |
| Net interest margin | 3.5407% | 3,319 |
| Noninterest income to average assets | 0.3953% | 3,866 |
| Noninterest expense to average assets | 2.6153% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0302% | 2,157 |
| Return on assets (ROA) | 1.0302% | 2,279 |
| Pretax return on assets | 1.0840% | 3,154 |
| Return on Equity (ROE) | 9.2776% | 2,292 |
| Retained earnings to average equity (ytd only) | 4.6432% | 3,155 |
| Net charge-offs to loans | -0.0580% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6968% | 3,004 |
| Assets per employee ($millions) | 4.6544% | 2,809 |
| Cash dividends to net income (ytd only)* | 49.9533% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,247 |
| Loan loss allowance to noncurrent loans | 277.1563% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5650% | 1,280 |
| Noncurrent loans to loans | 0.5194% | 3,627 |
| Net loans and leases to total assets | 87.6279% | 139 |
| Net loans and leases to deposits | 112.0199% | 184 |
| Net loans and leases to core deposits | 128.0984% | 301 |
| Total domestic deposits to total assets | 78.2253% | 5,108 |
| Equity capital to assets | 11.2189% | 2,712 |
| Core capital (leverage) ratio | 11.1525% | 2,261 |
| Tier 1 risk-based capital ratio | 11.6455% | 5,138 |
| Total risk-based capital ratio | 12.8966% | 5,050 |
| Memoranda: | ||
| Average total assets | $415,855,500 | 1,631 |
| Average earning assets | $388,056,000 | 1,614 |
| Average equity | $46,175,500 | 1,636 |
| Average total loans | $365,530,500 | 1,283 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,429 |
| Cost of funding earning assets | 0.5540% | 1,727 |
| Net interest margin | 3.6831% | 2,811 |
| Noninterest income to average assets | 0.0339% | 6,038 |
| Noninterest expense to average assets | 2.6924% | 3,604 |
| Loan and lease loss provision to assets | -0.2926% | 6,054 |
| Net operating income to assets | 1.0439% | 2,152 |
| Return on assets (ROA) | 1.0496% | 2,210 |
| Pretax return on assets | 1.0629% | 3,217 |
| Return on Equity (ROE) | 9.2307% | 2,358 |
| Retained earnings to average equity (ytd only) | 2.7699% | 4,104 |
| Net charge-offs to loans | -0.0188% | 5,252 |
| Credit loss provision to net charge-offs | 1,820.3125% | 186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8843% | 1,985 |
| Assets per employee ($millions) | 4.6906% | 2,738 |
| Cash dividends to net income (ytd only)* | 69.9928% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 2,227 |
| Loan loss allowance to noncurrent loans | 251.8714% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 1,217 |
| Noncurrent loans to loans | 0.5745% | 3,448 |
| Net loans and leases to total assets | 85.6395% | 259 |
| Net loans and leases to deposits | 109.1023% | 268 |
| Net loans and leases to core deposits | 126.3232% | 326 |
| Total domestic deposits to total assets | 78.4947% | 5,065 |
| Equity capital to assets | 10.9894% | 2,832 |
| Core capital (leverage) ratio | 10.8069% | 2,598 |
| Tier 1 risk-based capital ratio | 11.5887% | 5,197 |
| Total risk-based capital ratio | 12.8397% | 5,107 |
| Memoranda: | ||
| Average total assets | $398,159,800 | 1,658 |
| Average earning assets | $370,046,200 | 1,642 |
| Average equity | $45,272,600 | 1,632 |
| Average total loans | $341,273,000 | 1,314 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,533 |
| Cost of funding earning assets | 0.5274% | 1,985 |
| Net interest margin | 3.6848% | 2,830 |
| Noninterest income to average assets | -0.0468% | 6,218 |
| Noninterest expense to average assets | 2.7437% | 3,412 |
| Loan and lease loss provision to assets | -0.3949% | 6,183 |
| Net operating income to assets | 1.0268% | 2,344 |
| Return on assets (ROA) | 1.0345% | 2,396 |
| Pretax return on assets | 1.0345% | 3,484 |
| Return on Equity (ROE) | 9.0184% | 2,567 |
| Retained earnings to average equity (ytd only) | 1.6134% | 5,059 |
| Net charge-offs to loans | -0.0218% | 5,234 |
| Credit loss provision to net charge-offs | 2,118.1818% | 178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2814% | 1,491 |
| Assets per employee ($millions) | 4.4648% | 3,076 |
| Cash dividends to net income (ytd only)* | 82.1101% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 2,314 |
| Loan loss allowance to noncurrent loans | 226.6436% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7714% | 1,217 |
| Noncurrent loans to loans | 0.6457% | 3,386 |
| Net loans and leases to total assets | 86.8345% | 187 |
| Net loans and leases to deposits | 112.0382% | 208 |
| Net loans and leases to core deposits | 131.7764% | 258 |
| Total domestic deposits to total assets | 77.5043% | 5,262 |
| Equity capital to assets | 11.1365% | 2,868 |
| Core capital (leverage) ratio | 11.2111% | 2,282 |
| Tier 1 risk-based capital ratio | 11.5112% | 5,369 |
| Total risk-based capital ratio | 12.7624% | 5,289 |
| Memoranda: | ||
| Average total assets | $393,333,500 | 1,688 |
| Average earning assets | $365,314,500 | 1,672 |
| Average equity | $45,121,500 | 1,646 |
| Average total loans | $335,900,250 | 1,335 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,466 |
| Cost of funding earning assets | 0.5025% | 2,227 |
| Net interest margin | 3.7199% | 2,627 |
| Noninterest income to average assets | 0.5285% | 3,181 |
| Noninterest expense to average assets | 2.7876% | 3,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1851% | 1,651 |
| Return on assets (ROA) | 1.1969% | 1,689 |
| Pretax return on assets | 1.1969% | 2,788 |
| Return on Equity (ROE) | 10.3284% | 1,925 |
| Retained earnings to average equity (ytd only) | 3.0967% | 4,075 |
| Net charge-offs to loans | -0.0256% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1695% | 3,300 |
| Assets per employee ($millions) | 4.2030% | 3,464 |
| Cash dividends to net income (ytd only)* | 70.0172% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 1,256 |
| Loan loss allowance to noncurrent loans | 283.3777% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 2.2954% | 881 |
| Noncurrent loans to loans | 0.6545% | 3,514 |
| Net loans and leases to total assets | 87.4858% | 167 |
| Net loans and leases to deposits | 110.3313% | 255 |
| Net loans and leases to core deposits | 124.9594% | 357 |
| Total domestic deposits to total assets | 79.2937% | 5,028 |
| Equity capital to assets | 11.7399% | 2,212 |
| Core capital (leverage) ratio | 11.5736% | 1,946 |
| Tier 1 risk-based capital ratio | 11.8023% | 5,277 |
| Total risk-based capital ratio | 13.0577% | 5,180 |
| Memoranda: | ||
| Average total assets | $389,012,670 | 1,709 |
| Average earning assets | $360,172,000 | 1,704 |
| Average equity | $45,079,670 | 1,652 |
| Average total loans | $328,518,670 | 1,362 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,019 |
| Cost of funding earning assets | 0.4938% | 2,341 |
| Net interest margin | 3.5623% | 3,162 |
| Noninterest income to average assets | 0.5454% | 2,985 |
| Noninterest expense to average assets | 2.7803% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0487% | 2,039 |
| Return on assets (ROA) | 1.0723% | 2,084 |
| Pretax return on assets | 1.0723% | 3,204 |
| Return on Equity (ROE) | 9.3140% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.3140% | 1,098 |
| Net charge-offs to loans | -0.0512% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6104% | 3,066 |
| Assets per employee ($millions) | 4.2274% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 1,180 |
| Loan loss allowance to noncurrent loans | 147.8714% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 2.8088% | 704 |
| Noncurrent loans to loans | 1.3202% | 2,179 |
| Net loans and leases to total assets | 82.5295% | 413 |
| Net loans and leases to deposits | 102.2409% | 447 |
| Net loans and leases to core deposits | 115.7924% | 527 |
| Total domestic deposits to total assets | 80.7207% | 4,880 |
| Equity capital to assets | 11.6904% | 2,304 |
| Core capital (leverage) ratio | 11.5997% | 1,929 |
| Tier 1 risk-based capital ratio | 12.3832% | 4,984 |
| Total risk-based capital ratio | 13.6393% | 4,892 |
| Memoranda: | ||
| Average total assets | $390,179,000 | 1,710 |
| Average earning assets | $359,651,500 | 1,706 |
| Average equity | $44,921,500 | 1,664 |
| Average total loans | $320,436,500 | 1,399 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,578 |
| Cost of funding earning assets | 0.5276% | 2,413 |
| Net interest margin | 3.5070% | 3,766 |
| Noninterest income to average assets | 0.5434% | 3,214 |
| Noninterest expense to average assets | 2.6608% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1049% | 1,956 |
| Return on assets (ROA) | 1.1468% | 1,852 |
| Pretax return on assets | 1.1468% | 2,884 |
| Return on Equity (ROE) | 10.4332% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.4918% | 2,979 |
| Net charge-offs to loans | 0.0875% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.3247% | 2,017 |
| Efficiency ratio | 70.6592% | 3,434 |
| Assets per employee ($millions) | 4.2090% | 3,525 |
| Cash dividends to net income (ytd only)* | 56.9469% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 1,059 |
| Loan loss allowance to noncurrent loans | 147.1611% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 773 |
| Noncurrent loans to loans | 1.3764% | 2,129 |
| Net loans and leases to total assets | 78.4692% | 941 |
| Net loans and leases to deposits | 96.7811% | 847 |
| Net loans and leases to core deposits | 108.0804% | 886 |
| Total domestic deposits to total assets | 81.0790% | 4,725 |
| Equity capital to assets | 11.3369% | 2,574 |
| Core capital (leverage) ratio | 11.0691% | 2,341 |
| Tier 1 risk-based capital ratio | 13.1423% | 4,628 |
| Total risk-based capital ratio | 14.4004% | 4,548 |
| Memoranda: | ||
| Average total assets | $400,413,400 | 1,640 |
| Average earning assets | $367,890,600 | 1,637 |
| Average equity | $44,013,200 | 1,641 |
| Average total loans | $309,817,000 | 1,385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,638 |
| Cost of funding earning assets | 0.5351% | 2,417 |
| Net interest margin | 3.4959% | 3,856 |
| Noninterest income to average assets | 0.5262% | 3,348 |
| Noninterest expense to average assets | 2.6232% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1152% | 1,970 |
| Return on assets (ROA) | 1.1709% | 1,861 |
| Pretax return on assets | 1.1709% | 2,905 |
| Return on Equity (ROE) | 10.7339% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.3335% | 2,867 |
| Net charge-offs to loans | -0.0561% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1683% | 3,482 |
| Assets per employee ($millions) | 4.2530% | 3,376 |
| Cash dividends to net income (ytd only)* | 50.3111% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 944 |
| Loan loss allowance to noncurrent loans | 138.5389% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 2.9061% | 829 |
| Noncurrent loans to loans | 1.5902% | 2,039 |
| Net loans and leases to total assets | 74.9611% | 1,370 |
| Net loans and leases to deposits | 91.9930% | 1,232 |
| Net loans and leases to core deposits | 104.7440% | 1,049 |
| Total domestic deposits to total assets | 81.4857% | 4,668 |
| Equity capital to assets | 11.0545% | 2,894 |
| Core capital (leverage) ratio | 10.8006% | 2,695 |
| Tier 1 risk-based capital ratio | 13.6034% | 4,472 |
| Total risk-based capital ratio | 14.8640% | 4,411 |
| Memoranda: | ||
| Average total assets | $402,657,000 | 1,653 |
| Average earning assets | $369,984,500 | 1,643 |
| Average equity | $43,922,250 | 1,647 |
| Average total loans | $308,894,000 | 1,402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 3,464 |
| Cost of funding earning assets | 0.5435% | 2,401 |
| Net interest margin | 3.5272% | 3,668 |
| Noninterest income to average assets | 0.5069% | 3,431 |
| Noninterest expense to average assets | 2.6114% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1209% | 1,857 |
| Return on assets (ROA) | 1.0664% | 2,128 |
| Pretax return on assets | 1.0664% | 3,220 |
| Return on Equity (ROE) | 9.8194% | 2,235 |
| Retained earnings to average equity (ytd only) | 5.8998% | 2,383 |
| Net charge-offs to loans | -0.0781% | 6,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9681% | 3,667 |
| Assets per employee ($millions) | 4.3402% | 3,196 |
| Cash dividends to net income (ytd only)* | 39.9164% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,055 |
| Loan loss allowance to noncurrent loans | 136.3600% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 2.9430% | 875 |
| Noncurrent loans to loans | 1.6003% | 2,168 |
| Net loans and leases to total assets | 74.0874% | 1,428 |
| Net loans and leases to deposits | 91.0850% | 1,264 |
| Net loans and leases to core deposits | 104.2905% | 994 |
| Total domestic deposits to total assets | 81.3387% | 4,864 |
| Equity capital to assets | 10.8319% | 3,051 |
| Core capital (leverage) ratio | 10.8093% | 2,611 |
| Tier 1 risk-based capital ratio | 13.6285% | 4,503 |
| Total risk-based capital ratio | 14.8894% | 4,442 |
| Memoranda: | ||
| Average total assets | $403,615,330 | 1,647 |
| Average earning assets | $369,071,670 | 1,642 |
| Average equity | $43,831,670 | 1,639 |
| Average total loans | $309,714,670 | 1,394 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 3,293 |
| Cost of funding earning assets | 0.5483% | 2,435 |
| Net interest margin | 3.5498% | 3,482 |
| Noninterest income to average assets | 0.4803% | 3,562 |
| Noninterest expense to average assets | 2.6256% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1060% | 1,794 |
| Return on assets (ROA) | 0.9964% | 2,283 |
| Pretax return on assets | 0.9964% | 3,332 |
| Return on Equity (ROE) | 9.1635% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.1635% | 1,203 |
| Net charge-offs to loans | -0.1290% | 6,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3605% | 3,769 |
| Assets per employee ($millions) | 4.1435% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 1,141 |
| Loan loss allowance to noncurrent loans | 127.1953% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 3.3659% | 781 |
| Noncurrent loans to loans | 1.7393% | 2,228 |
| Net loans and leases to total assets | 74.6864% | 1,163 |
| Net loans and leases to deposits | 92.4005% | 923 |
| Net loans and leases to core deposits | 106.3898% | 743 |
| Total domestic deposits to total assets | 80.8290% | 5,283 |
| Equity capital to assets | 11.1846% | 2,540 |
| Core capital (leverage) ratio | 11.0906% | 2,309 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,339 |
| Total risk-based capital ratio | 15.2523% | 4,273 |
| Memoranda: | ||
| Average total assets | $401,433,500 | 1,665 |
| Average earning assets | $367,684,000 | 1,663 |
| Average equity | $43,651,500 | 1,629 |
| Average total loans | $310,070,000 | 1,400 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,245 |
| Cost of funding earning assets | 0.6040% | 2,625 |
| Net interest margin | 3.8869% | 2,339 |
| Noninterest income to average assets | 0.4188% | 4,305 |
| Noninterest expense to average assets | 3.0286% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9529% | 2,562 |
| Return on assets (ROA) | 0.9615% | 2,573 |
| Pretax return on assets | 0.9615% | 3,507 |
| Return on Equity (ROE) | 8.8744% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.8744% | 799 |
| Net charge-offs to loans | 0.0156% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 76.8980% | 566 |
| Efficiency ratio | 76.0671% | 2,761 |
| Assets per employee ($millions) | 4.1762% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 1,346 |
| Loan loss allowance to noncurrent loans | 119.4911% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 3.4644% | 847 |
| Noncurrent loans to loans | 1.7516% | 2,302 |
| Net loans and leases to total assets | 76.4553% | 1,009 |
| Net loans and leases to deposits | 93.8137% | 893 |
| Net loans and leases to core deposits | 105.1261% | 846 |
| Total domestic deposits to total assets | 81.4969% | 5,037 |
| Equity capital to assets | 10.5688% | 3,078 |
| Core capital (leverage) ratio | 11.1213% | 2,268 |
| Tier 1 risk-based capital ratio | 12.9927% | 4,976 |
| Total risk-based capital ratio | 14.2523% | 4,926 |
| Memoranda: | ||
| Average total assets | $395,431,800 | 1,671 |
| Average earning assets | $362,445,600 | 1,662 |
| Average equity | $42,842,200 | 1,639 |
| Average total loans | $313,938,200 | 1,348 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,967 |
| Cost of funding earning assets | 0.6212% | 2,640 |
| Net interest margin | 3.9573% | 2,086 |
| Noninterest income to average assets | 0.3471% | 4,912 |
| Noninterest expense to average assets | 3.0966% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8705% | 2,988 |
| Return on assets (ROA) | 0.8780% | 3,061 |
| Pretax return on assets | 0.8780% | 3,973 |
| Return on Equity (ROE) | 8.0528% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.0528% | 1,390 |
| Net charge-offs to loans | 0.0251% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 43.4942% | 953 |
| Efficiency ratio | 78.0571% | 2,413 |
| Assets per employee ($millions) | 4.0261% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0859% | 1,539 |
| Loan loss allowance to noncurrent loans | 143.4368% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 3.7325% | 881 |
| Noncurrent loans to loans | 1.4542% | 2,985 |
| Net loans and leases to total assets | 81.9977% | 369 |
| Net loans and leases to deposits | 103.7616% | 304 |
| Net loans and leases to core deposits | 114.1622% | 448 |
| Total domestic deposits to total assets | 79.0251% | 5,737 |
| Equity capital to assets | 11.3511% | 2,430 |
| Core capital (leverage) ratio | 11.1855% | 2,316 |
| Tier 1 risk-based capital ratio | 12.8681% | 5,213 |
| Total risk-based capital ratio | 14.1273% | 5,147 |
| Memoranda: | ||
| Average total assets | $393,017,500 | 1,686 |
| Average earning assets | $359,532,500 | 1,678 |
| Average equity | $42,849,500 | 1,648 |
| Average total loans | $313,339,500 | 1,356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 1,991 |
| Cost of funding earning assets | 0.6299% | 2,682 |
| Net interest margin | 3.9301% | 2,112 |
| Noninterest income to average assets | 0.3504% | 4,885 |
| Noninterest expense to average assets | 3.2086% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7359% | 3,632 |
| Return on assets (ROA) | 0.7394% | 3,777 |
| Pretax return on assets | 0.7394% | 4,541 |
| Return on Equity (ROE) | 6.8717% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.8717% | 1,948 |
| Net charge-offs to loans | 0.0083% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 112.6154% | 424 |
| Efficiency ratio | 81.3432% | 1,983 |
| Assets per employee ($millions) | 3.8796% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 1,593 |
| Loan loss allowance to noncurrent loans | 214.8806% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 3.2769% | 1,203 |
| Noncurrent loans to loans | 0.9856% | 3,966 |
| Net loans and leases to total assets | 80.1019% | 527 |
| Net loans and leases to deposits | 96.6511% | 626 |
| Net loans and leases to core deposits | 107.4559% | 659 |
| Total domestic deposits to total assets | 82.8773% | 4,748 |
| Equity capital to assets | 10.8206% | 2,924 |
| Core capital (leverage) ratio | 10.6189% | 2,745 |
| Tier 1 risk-based capital ratio | 12.8237% | 5,276 |
| Total risk-based capital ratio | 14.0835% | 5,196 |
| Memoranda: | ||
| Average total assets | $397,871,000 | 1,662 |
| Average earning assets | $363,857,000 | 1,664 |
| Average equity | $42,813,000 | 1,652 |
| Average total loans | $312,140,330 | 1,358 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 2,084 |
| Cost of funding earning assets | 0.6291% | 2,852 |
| Net interest margin | 3.8957% | 2,133 |
| Noninterest income to average assets | 0.5979% | 3,153 |
| Noninterest expense to average assets | 2.9578% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2017% | 1,519 |
| Return on assets (ROA) | 1.2017% | 1,628 |
| Pretax return on assets | 1.2017% | 2,565 |
| Return on Equity (ROE) | 11.1972% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.1972% | 830 |
| Net charge-offs to loans | -0.0129% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1095% | 3,770 |
| Assets per employee ($millions) | 4.0744% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 1,646 |
| Loan loss allowance to noncurrent loans | 191.8725% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 3.5841% | 1,174 |
| Noncurrent loans to loans | 1.1319% | 3,892 |
| Net loans and leases to total assets | 75.3709% | 916 |
| Net loans and leases to deposits | 90.9182% | 894 |
| Net loans and leases to core deposits | 102.7757% | 787 |
| Total domestic deposits to total assets | 82.8997% | 4,888 |
| Equity capital to assets | 11.0155% | 2,947 |
| Core capital (leverage) ratio | 11.1856% | 2,109 |
| Tier 1 risk-based capital ratio | 13.6226% | 4,775 |
| Total risk-based capital ratio | 14.8796% | 4,741 |
| Memoranda: | ||
| Average total assets | $404,766,000 | 1,653 |
| Average earning assets | $370,047,500 | 1,654 |
| Average equity | $43,439,500 | 1,643 |
| Average total loans | $311,054,000 | 1,370 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 2,388 |
| Cost of funding earning assets | 0.8589% | 2,224 |
| Net interest margin | 3.8940% | 2,858 |
| Noninterest income to average assets | 0.4574% | 4,198 |
| Noninterest expense to average assets | 2.8938% | 3,666 |
| Loan and lease loss provision to assets | 0.0243% | 5,590 |
| Net operating income to assets | 1.0454% | 2,141 |
| Return on assets (ROA) | 1.0644% | 2,258 |
| Pretax return on assets | 1.0644% | 3,293 |
| Return on Equity (ROE) | 10.5746% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.5746% | 493 |
| Net charge-offs to loans | 0.0530% | 5,189 |
| Credit loss provision to net charge-offs | 63.6943% | 4,350 |
| Earnings coverage of net charge-offs (x) | 28.0191% | 1,054 |
| Efficiency ratio | 73.0106% | 3,239 |
| Assets per employee ($millions) | 4.1861% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 1,711 |
| Loan loss allowance to noncurrent loans | 348.8494% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 3.6708% | 1,209 |
| Noncurrent loans to loans | 0.6080% | 4,999 |
| Net loans and leases to total assets | 75.0310% | 1,041 |
| Net loans and leases to deposits | 88.3219% | 1,228 |
| Net loans and leases to core deposits | 109.3212% | 558 |
| Total domestic deposits to total assets | 84.9517% | 3,887 |
| Equity capital to assets | 10.4561% | 3,577 |
| Core capital (leverage) ratio | 10.8715% | 2,369 |
| Tier 1 risk-based capital ratio | 12.8568% | 5,209 |
| Total risk-based capital ratio | 14.1163% | 5,143 |
| Memoranda: | ||
| Average total assets | $411,229,400 | 1,592 |
| Average earning assets | $370,260,200 | 1,614 |
| Average equity | $41,391,600 | 1,688 |
| Average total loans | $296,331,600 | 1,415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 2,444 |
| Cost of funding earning assets | 0.9177% | 2,058 |
| Net interest margin | 3.8672% | 3,042 |
| Noninterest income to average assets | 0.3966% | 4,662 |
| Noninterest expense to average assets | 2.9587% | 3,375 |
| Loan and lease loss provision to assets | 0.0324% | 5,373 |
| Net operating income to assets | 0.8765% | 3,101 |
| Return on assets (ROA) | 0.9018% | 3,208 |
| Pretax return on assets | 0.9018% | 4,091 |
| Return on Equity (ROE) | 9.0467% | 2,779 |
| Retained earnings to average equity (ytd only) | 9.0467% | 1,213 |
| Net charge-offs to loans | 0.0768% | 4,637 |
| Credit loss provision to net charge-offs | 59.5238% | 4,152 |
| Earnings coverage of net charge-offs (x) | 16.6968% | 1,672 |
| Efficiency ratio | 76.4997% | 2,595 |
| Assets per employee ($millions) | 4.1884% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2736% | 1,574 |
| Loan loss allowance to noncurrent loans | 280.0252% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 4.7136% | 963 |
| Noncurrent loans to loans | 0.8119% | 4,788 |
| Net loans and leases to total assets | 72.6991% | 1,436 |
| Net loans and leases to deposits | 85.5470% | 1,658 |
| Net loans and leases to core deposits | 104.4156% | 849 |
| Total domestic deposits to total assets | 84.9815% | 3,750 |
| Equity capital to assets | 10.7933% | 3,510 |
| Core capital (leverage) ratio | 10.6440% | 2,762 |
| Tier 1 risk-based capital ratio | 13.3498% | 4,988 |
| Total risk-based capital ratio | 14.6104% | 4,943 |
| Memoranda: | ||
| Average total assets | $411,476,750 | 1,604 |
| Average earning assets | $369,320,000 | 1,635 |
| Average equity | $41,015,750 | 1,716 |
| Average total loans | $291,795,250 | 1,453 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 2,594 |
| Cost of funding earning assets | 0.9566% | 2,021 |
| Net interest margin | 3.8205% | 3,267 |
| Noninterest income to average assets | 0.4442% | 4,340 |
| Noninterest expense to average assets | 2.9665% | 3,385 |
| Loan and lease loss provision to assets | 0.0479% | 5,078 |
| Net operating income to assets | 0.8534% | 3,119 |
| Return on assets (ROA) | 0.8908% | 3,217 |
| Pretax return on assets | 0.8908% | 4,113 |
| Return on Equity (ROE) | 9.1750% | 2,730 |
| Retained earnings to average equity (ytd only) | 9.1750% | 1,214 |
| Net charge-offs to loans | -0.0590% | 6,708 |
| Credit loss provision to net charge-offs | -116.2791% | 6,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6972% | 2,638 |
| Assets per employee ($millions) | 4.4620% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3658% | 1,466 |
| Loan loss allowance to noncurrent loans | 332.1961% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 5.3836% | 847 |
| Noncurrent loans to loans | 0.7122% | 5,081 |
| Net loans and leases to total assets | 70.2615% | 1,874 |
| Net loans and leases to deposits | 83.2747% | 1,948 |
| Net loans and leases to core deposits | 104.2235% | 841 |
| Total domestic deposits to total assets | 84.3732% | 4,155 |
| Equity capital to assets | 10.2050% | 4,047 |
| Core capital (leverage) ratio | 10.0754% | 3,314 |
| Tier 1 risk-based capital ratio | 12.9208% | 5,238 |
| Total risk-based capital ratio | 14.1821% | 5,209 |
| Memoranda: | ||
| Average total assets | $417,399,330 | 1,589 |
| Average earning assets | $374,034,330 | 1,618 |
| Average equity | $40,523,000 | 1,721 |
| Average total loans | $291,433,000 | 1,455 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 2,569 |
| Cost of funding earning assets | 0.9896% | 2,037 |
| Net interest margin | 3.8265% | 3,256 |
| Noninterest income to average assets | 0.6798% | 2,760 |
| Noninterest expense to average assets | 3.0434% | 3,104 |
| Loan and lease loss provision to assets | 0.0945% | 4,168 |
| Net operating income to assets | 0.9672% | 2,604 |
| Return on assets (ROA) | 1.0409% | 2,510 |
| Pretax return on assets | 1.0409% | 3,529 |
| Return on Equity (ROE) | 10.9919% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.9919% | 1,026 |
| Net charge-offs to loans | 0.0371% | 4,180 |
| Credit loss provision to net charge-offs | 370.3704% | 840 |
| Earnings coverage of net charge-offs (x) | 41.5926% | 724 |
| Efficiency ratio | 74.1363% | 3,083 |
| Assets per employee ($millions) | 4.5054% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3574% | 1,580 |
| Loan loss allowance to noncurrent loans | 294.6707% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 5.9412% | 798 |
| Noncurrent loans to loans | 0.8000% | 5,076 |
| Net loans and leases to total assets | 67.9608% | 2,128 |
| Net loans and leases to deposits | 81.2555% | 2,028 |
| Net loans and leases to core deposits | 102.7874% | 825 |
| Total domestic deposits to total assets | 83.6384% | 4,661 |
| Equity capital to assets | 9.7965% | 4,377 |
| Core capital (leverage) ratio | 9.8782% | 3,528 |
| Tier 1 risk-based capital ratio | 12.7083% | 5,434 |
| Total risk-based capital ratio | 13.9693% | 5,389 |
| Memoranda: | ||
| Average total assets | $423,076,000 | 1,573 |
| Average earning assets | $378,723,000 | 1,599 |
| Average equity | $40,066,000 | 1,735 |
| Average total loans | $291,046,000 | 1,460 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7942% | 3,837 |
| Cost of funding earning assets | 1.2791% | 1,582 |
| Net interest margin | 3.5152% | 5,089 |
| Noninterest income to average assets | 0.3026% | 5,370 |
| Noninterest expense to average assets | 2.8695% | 4,082 |
| Loan and lease loss provision to assets | 0.4996% | 2,105 |
| Net operating income to assets | 0.1312% | 5,785 |
| Return on assets (ROA) | 0.1770% | 5,794 |
| Pretax return on assets | 0.1770% | 5,839 |
| Return on Equity (ROE) | 1.9044% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.9044% | 4,848 |
| Net charge-offs to loans | 1.1760% | 1,437 |
| Credit loss provision to net charge-offs | 60.7143% | 5,150 |
| Earnings coverage of net charge-offs (x) | 0.7666% | 5,226 |
| Efficiency ratio | 81.9788% | 2,032 |
| Assets per employee ($millions) | 4.6919% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2912% | 1,628 |
| Loan loss allowance to noncurrent loans | 65.8928% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 6.4632% | 732 |
| Noncurrent loans to loans | 3.4772% | 1,841 |
| Net loans and leases to total assets | 66.4578% | 2,694 |
| Net loans and leases to deposits | 78.3744% | 2,776 |
| Net loans and leases to core deposits | 94.8531% | 1,606 |
| Total domestic deposits to total assets | 84.7953% | 3,962 |
| Equity capital to assets | 9.1568% | 5,346 |
| Core capital (leverage) ratio | 9.1323% | 4,570 |
| Tier 1 risk-based capital ratio | 12.2897% | 5,619 |
| Total risk-based capital ratio | 13.5501% | 5,590 |
| Memoranda: | ||
| Average total assets | $425,328,200 | 1,532 |
| Average earning assets | $386,923,000 | 1,535 |
| Average equity | $39,540,600 | 1,709 |
| Average total loans | $297,607,000 | 1,430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 3,753 |
| Cost of funding earning assets | 1.3393% | 1,502 |
| Net interest margin | 3.5170% | 5,116 |
| Noninterest income to average assets | 0.3659% | 4,942 |
| Noninterest expense to average assets | 2.7991% | 4,347 |
| Loan and lease loss provision to assets | 0.5428% | 1,815 |
| Net operating income to assets | 0.2265% | 5,628 |
| Return on assets (ROA) | 0.2879% | 5,609 |
| Pretax return on assets | 0.2879% | 5,727 |
| Return on Equity (ROE) | 3.0851% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.0851% | 4,487 |
| Net charge-offs to loans | 0.8818% | 1,812 |
| Credit loss provision to net charge-offs | 87.3418% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.2380% | 4,688 |
| Efficiency ratio | 78.4411% | 2,486 |
| Assets per employee ($millions) | 4.7220% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6581% | 1,185 |
| Loan loss allowance to noncurrent loans | 45.3847% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 7.7400% | 591 |
| Noncurrent loans to loans | 5.8568% | 969 |
| Net loans and leases to total assets | 68.4219% | 2,395 |
| Net loans and leases to deposits | 82.0646% | 2,343 |
| Net loans and leases to core deposits | 101.2514% | 1,136 |
| Total domestic deposits to total assets | 83.3756% | 4,530 |
| Equity capital to assets | 9.5235% | 5,043 |
| Core capital (leverage) ratio | 9.2859% | 4,472 |
| Tier 1 risk-based capital ratio | 12.5135% | 5,474 |
| Total risk-based capital ratio | 13.7788% | 5,455 |
| Memoranda: | ||
| Average total assets | $423,746,250 | 1,551 |
| Average earning assets | $385,854,000 | 1,544 |
| Average equity | $39,544,250 | 1,714 |
| Average total loans | $298,609,750 | 1,437 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 3,555 |
| Cost of funding earning assets | 1.3786% | 1,505 |
| Net interest margin | 3.5354% | 4,994 |
| Noninterest income to average assets | 0.4961% | 3,897 |
| Noninterest expense to average assets | 2.9376% | 3,872 |
| Loan and lease loss provision to assets | 0.6119% | 1,565 |
| Net operating income to assets | 0.1671% | 5,841 |
| Return on assets (ROA) | 0.2546% | 5,665 |
| Pretax return on assets | 0.2546% | 5,797 |
| Return on Equity (ROE) | 2.7473% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.7473% | 4,534 |
| Net charge-offs to loans | 0.9477% | 1,649 |
| Credit loss provision to net charge-offs | 91.5493% | 3,413 |
| Earnings coverage of net charge-offs (x) | 1.1655% | 4,406 |
| Efficiency ratio | 79.0400% | 2,553 |
| Assets per employee ($millions) | 4.6980% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7448% | 1,131 |
| Loan loss allowance to noncurrent loans | 52.4269% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 7.6922% | 621 |
| Noncurrent loans to loans | 5.2355% | 1,229 |
| Net loans and leases to total assets | 66.1533% | 3,003 |
| Net loans and leases to deposits | 79.3420% | 2,917 |
| Net loans and leases to core deposits | 97.4610% | 1,540 |
| Total domestic deposits to total assets | 83.3775% | 4,595 |
| Equity capital to assets | 9.3974% | 4,978 |
| Core capital (leverage) ratio | 9.0614% | 4,626 |
| Tier 1 risk-based capital ratio | 12.4359% | 5,410 |
| Total risk-based capital ratio | 13.7017% | 5,373 |
| Memoranda: | ||
| Average total assets | $424,909,670 | 1,558 |
| Average earning assets | $387,061,670 | 1,553 |
| Average equity | $39,384,670 | 1,702 |
| Average total loans | $299,680,000 | 1,450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 2,710 |
| Cost of funding earning assets | 1.4110% | 1,555 |
| Net interest margin | 3.6747% | 4,225 |
| Noninterest income to average assets | 0.5156% | 3,761 |
| Noninterest expense to average assets | 2.9811% | 3,725 |
| Loan and lease loss provision to assets | 0.2833% | 2,880 |
| Net operating income to assets | 0.6006% | 4,026 |
| Return on assets (ROA) | 0.6166% | 4,020 |
| Pretax return on assets | 0.6166% | 4,625 |
| Return on Equity (ROE) | 6.6993% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.6993% | 2,279 |
| Net charge-offs to loans | 1.1075% | 1,249 |
| Credit loss provision to net charge-offs | 35.6295% | 4,028 |
| Earnings coverage of net charge-offs (x) | 1.1116% | 3,834 |
| Efficiency ratio | 77.1317% | 2,964 |
| Assets per employee ($millions) | 4.8601% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 1,404 |
| Loan loss allowance to noncurrent loans | 132.2835% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 5.5318% | 1,091 |
| Noncurrent loans to loans | 1.9203% | 3,673 |
| Net loans and leases to total assets | 68.5973% | 2,428 |
| Net loans and leases to deposits | 82.5502% | 2,262 |
| Net loans and leases to core deposits | 91.5010% | 2,175 |
| Total domestic deposits to total assets | 83.0977% | 4,888 |
| Equity capital to assets | 9.2898% | 4,745 |
| Core capital (leverage) ratio | 9.3266% | 4,086 |
| Tier 1 risk-based capital ratio | 12.2775% | 5,458 |
| Total risk-based capital ratio | 13.5414% | 5,440 |
| Memoranda: | ||
| Average total assets | $423,603,500 | 1,570 |
| Average earning assets | $386,104,000 | 1,569 |
| Average equity | $38,989,000 | 1,703 |
| Average total loans | $304,119,000 | 1,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 2,952 |
| Cost of funding earning assets | 1.7405% | 1,422 |
| Net interest margin | 3.5959% | 4,837 |
| Noninterest income to average assets | 0.0649% | 7,044 |
| Noninterest expense to average assets | 2.7058% | 4,966 |
| Loan and lease loss provision to assets | 1.0629% | 1,513 |
| Net operating income to assets | -0.4220% | 6,334 |
| Return on assets (ROA) | -0.5711% | 6,461 |
| Pretax return on assets | -0.5711% | 6,376 |
| Return on Equity (ROE) | -6.3449% | 6,517 |
| Retained earnings to average equity (ytd only) | -6.3449% | 6,416 |
| Net charge-offs to loans | 2.6651% | 684 |
| Credit loss provision to net charge-offs | 53.2972% | 6,214 |
| Earnings coverage of net charge-offs (x) | 0.3214% | 5,788 |
| Efficiency ratio | 80.8505% | 2,302 |
| Assets per employee ($millions) | 4.8779% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6083% | 1,285 |
| Loan loss allowance to noncurrent loans | 71.1388% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 6.0632% | 974 |
| Noncurrent loans to loans | 3.6664% | 2,036 |
| Net loans and leases to total assets | 71.2871% | 2,238 |
| Net loans and leases to deposits | 85.7653% | 2,145 |
| Net loans and leases to core deposits | 96.1722% | 1,994 |
| Total domestic deposits to total assets | 83.1188% | 4,747 |
| Equity capital to assets | 9.1188% | 4,967 |
| Core capital (leverage) ratio | 9.0730% | 4,408 |
| Tier 1 risk-based capital ratio | 11.5790% | 5,842 |
| Total risk-based capital ratio | 12.8436% | 5,840 |
| Memoranda: | ||
| Average total assets | $444,079,600 | 1,495 |
| Average earning assets | $405,293,600 | 1,499 |
| Average equity | $39,969,000 | 1,660 |
| Average total loans | $332,296,600 | 1,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 3,129 |
| Cost of funding earning assets | 1.8239% | 1,327 |
| Net interest margin | 3.5241% | 5,206 |
| Noninterest income to average assets | 0.2450% | 6,141 |
| Noninterest expense to average assets | 2.7387% | 4,728 |
| Loan and lease loss provision to assets | 0.8760% | 1,735 |
| Net operating income to assets | -0.1544% | 6,251 |
| Return on assets (ROA) | -0.1690% | 6,356 |
| Pretax return on assets | -0.1690% | 6,293 |
| Return on Equity (ROE) | -1.8831% | 6,385 |
| Retained earnings to average equity (ytd only) | -1.8831% | 6,177 |
| Net charge-offs to loans | 2.8868% | 555 |
| Credit loss provision to net charge-offs | 40.3446% | 6,011 |
| Earnings coverage of net charge-offs (x) | 0.3323% | 5,694 |
| Efficiency ratio | 79.1470% | 2,463 |
| Assets per employee ($millions) | 4.6657% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5113% | 1,309 |
| Loan loss allowance to noncurrent loans | 54.2051% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 7.4891% | 699 |
| Noncurrent loans to loans | 4.6329% | 1,540 |
| Net loans and leases to total assets | 73.6314% | 1,883 |
| Net loans and leases to deposits | 89.9257% | 1,730 |
| Net loans and leases to core deposits | 103.0103% | 1,567 |
| Total domestic deposits to total assets | 81.8803% | 5,043 |
| Equity capital to assets | 9.8015% | 4,414 |
| Core capital (leverage) ratio | 9.9531% | 3,293 |
| Tier 1 risk-based capital ratio | 12.1884% | 5,286 |
| Total risk-based capital ratio | 13.4523% | 5,238 |
| Memoranda: | ||
| Average total assets | $449,005,250 | 1,506 |
| Average earning assets | $409,660,750 | 1,509 |
| Average equity | $40,286,750 | 1,652 |
| Average total loans | $337,713,750 | 1,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 3,175 |
| Cost of funding earning assets | 1.9046% | 1,224 |
| Net interest margin | 3.4531% | 5,434 |
| Noninterest income to average assets | 0.1178% | 7,014 |
| Noninterest expense to average assets | 2.6442% | 5,154 |
| Loan and lease loss provision to assets | 1.2819% | 1,082 |
| Net operating income to assets | -0.6827% | 6,795 |
| Return on assets (ROA) | -0.7040% | 6,823 |
| Pretax return on assets | -0.6735% | 6,706 |
| Return on Equity (ROE) | -8.0699% | 6,895 |
| Retained earnings to average equity (ytd only) | -8.0699% | 6,820 |
| Net charge-offs to loans | 3.4696% | 427 |
| Credit loss provision to net charge-offs | 49.1831% | 5,438 |
| Earnings coverage of net charge-offs (x) | 0.2416% | 5,489 |
| Efficiency ratio | 80.7672% | 2,336 |
| Assets per employee ($millions) | 5.1977% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8345% | 969 |
| Loan loss allowance to noncurrent loans | 60.7603% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 7.3132% | 705 |
| Noncurrent loans to loans | 4.6651% | 1,540 |
| Net loans and leases to total assets | 72.1536% | 2,360 |
| Net loans and leases to deposits | 89.8414% | 1,885 |
| Net loans and leases to core deposits | 101.0427% | 1,915 |
| Total domestic deposits to total assets | 80.3122% | 5,626 |
| Equity capital to assets | 9.0800% | 5,324 |
| Core capital (leverage) ratio | 8.6537% | 5,150 |
| Tier 1 risk-based capital ratio | 11.5924% | 5,679 |
| Total risk-based capital ratio | 12.8605% | 5,626 |
| Memoranda: | ||
| Average total assets | $460,259,000 | 1,485 |
| Average earning assets | $420,669,000 | 1,473 |
| Average equity | $40,149,000 | 1,656 |
| Average total loans | $345,743,000 | 1,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 3,243 |
| Cost of funding earning assets | 1.8192% | 1,801 |
| Net interest margin | 3.5404% | 4,989 |
| Noninterest income to average assets | 0.2492% | 6,158 |
| Noninterest expense to average assets | 2.3571% | 6,219 |
| Loan and lease loss provision to assets | 0.8377% | 1,509 |
| Net operating income to assets | 0.2198% | 5,618 |
| Return on assets (ROA) | 0.1812% | 5,877 |
| Pretax return on assets | 0.2545% | 5,739 |
| Return on Equity (ROE) | 2.0382% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.0382% | 4,907 |
| Net charge-offs to loans | 1.8999% | 911 |
| Credit loss provision to net charge-offs | 57.7201% | 4,343 |
| Earnings coverage of net charge-offs (x) | 0.7900% | 4,332 |
| Efficiency ratio | 67.2744% | 4,860 |
| Assets per employee ($millions) | 4.8468% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4612% | 1,345 |
| Loan loss allowance to noncurrent loans | 68.3826% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 5.2947% | 1,185 |
| Noncurrent loans to loans | 3.5991% | 2,214 |
| Net loans and leases to total assets | 74.5230% | 1,852 |
| Net loans and leases to deposits | 94.5496% | 1,285 |
| Net loans and leases to core deposits | 108.4591% | 1,384 |
| Total domestic deposits to total assets | 78.8189% | 6,113 |
| Equity capital to assets | 8.8508% | 5,465 |
| Core capital (leverage) ratio | 8.9934% | 4,585 |
| Tier 1 risk-based capital ratio | 11.2152% | 5,939 |
| Total risk-based capital ratio | 12.4792% | 5,881 |
| Memoranda: | ||
| Average total assets | $381,994,000 | 1,805 |
| Average earning assets | $351,148,500 | 1,777 |
| Average equity | $33,952,000 | 1,992 |
| Average total loans | $291,808,500 | 1,613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 3,900 |
| Cost of funding earning assets | 2.1637% | 2,171 |
| Net interest margin | 3.3818% | 5,439 |
| Noninterest income to average assets | 0.3916% | 5,280 |
| Noninterest expense to average assets | 2.4722% | 6,231 |
| Loan and lease loss provision to assets | 1.7936% | 1,265 |
| Net operating income to assets | -0.7555% | 6,407 |
| Return on assets (ROA) | -0.9181% | 6,528 |
| Pretax return on assets | -0.9181% | 6,357 |
| Return on Equity (ROE) | -9.7475% | 6,606 |
| Retained earnings to average equity (ytd only) | -9.7475% | 6,500 |
| Net charge-offs to loans | 1.3214% | 1,888 |
| Credit loss provision to net charge-offs | 168.8238% | 2,538 |
| Earnings coverage of net charge-offs (x) | 0.9771% | 5,138 |
| Efficiency ratio | 70.4275% | 4,534 |
| Assets per employee ($millions) | 4.1423% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6749% | 1,042 |
| Loan loss allowance to noncurrent loans | 49.4412% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 6.4677% | 852 |
| Noncurrent loans to loans | 5.4103% | 1,209 |
| Net loans and leases to total assets | 74.3352% | 2,186 |
| Net loans and leases to deposits | 96.5663% | 1,261 |
| Net loans and leases to core deposits | 118.9892% | 2,035 |
| Total domestic deposits to total assets | 76.9784% | 6,481 |
| Equity capital to assets | 8.9256% | 5,257 |
| Core capital (leverage) ratio | 8.8096% | 4,758 |
| Tier 1 risk-based capital ratio | 11.1453% | 5,786 |
| Total risk-based capital ratio | 12.4117% | 5,721 |
| Memoranda: | ||
| Average total assets | $382,533,800 | 1,789 |
| Average earning assets | $352,767,600 | 1,769 |
| Average equity | $36,029,600 | 1,872 |
| Average total loans | $307,541,600 | 1,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 4,117 |
| Cost of funding earning assets | 2.2329% | 2,265 |
| Net interest margin | 3.3228% | 5,552 |
| Noninterest income to average assets | 0.4906% | 4,570 |
| Noninterest expense to average assets | 2.4427% | 6,270 |
| Loan and lease loss provision to assets | 1.6230% | 1,160 |
| Net operating income to assets | -0.5080% | 6,432 |
| Return on assets (ROA) | -0.7006% | 6,617 |
| Pretax return on assets | -0.7006% | 6,483 |
| Return on Equity (ROE) | -7.3429% | 6,688 |
| Retained earnings to average equity (ytd only) | -7.3429% | 6,539 |
| Net charge-offs to loans | 1.1671% | 1,735 |
| Credit loss provision to net charge-offs | 170.8578% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.1738% | 4,887 |
| Efficiency ratio | 68.6601% | 4,850 |
| Assets per employee ($millions) | 4.0141% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3604% | 1,222 |
| Loan loss allowance to noncurrent loans | 50.0072% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 6.6978% | 741 |
| Noncurrent loans to loans | 4.7202% | 1,455 |
| Net loans and leases to total assets | 78.3846% | 1,506 |
| Net loans and leases to deposits | 106.6077% | 623 |
| Net loans and leases to core deposits | 134.4894% | 1,178 |
| Total domestic deposits to total assets | 73.5262% | 7,026 |
| Equity capital to assets | 9.7855% | 4,368 |
| Core capital (leverage) ratio | 9.4709% | 3,952 |
| Tier 1 risk-based capital ratio | 11.4433% | 5,486 |
| Total risk-based capital ratio | 12.7059% | 5,416 |
| Memoranda: | ||
| Average total assets | $382,893,750 | 1,796 |
| Average earning assets | $353,425,500 | 1,781 |
| Average equity | $36,533,250 | 1,862 |
| Average total loans | $311,658,750 | 1,560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4249% | 5,014 |
| Cost of funding earning assets | 2.2755% | 2,461 |
| Net interest margin | 3.1494% | 6,091 |
| Noninterest income to average assets | 0.6580% | 3,282 |
| Noninterest expense to average assets | 2.3660% | 6,568 |
| Loan and lease loss provision to assets | 1.8525% | 885 |
| Net operating income to assets | -0.6498% | 6,702 |
| Return on assets (ROA) | -0.8998% | 6,910 |
| Pretax return on assets | -0.8998% | 6,749 |
| Return on Equity (ROE) | -9.5065% | 6,993 |
| Retained earnings to average equity (ytd only) | -9.5065% | 6,817 |
| Net charge-offs to loans | 0.5016% | 2,825 |
| Credit loss provision to net charge-offs | 451.8193% | 1,030 |
| Earnings coverage of net charge-offs (x) | 2.9335% | 3,633 |
| Efficiency ratio | 66.2967% | 5,500 |
| Assets per employee ($millions) | 6.1832% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 887 |
| Loan loss allowance to noncurrent loans | 36.6298% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 7.5268% | 529 |
| Noncurrent loans to loans | 6.8494% | 727 |
| Net loans and leases to total assets | 81.6232% | 1,020 |
| Net loans and leases to deposits | 108.3548% | 635 |
| Net loans and leases to core deposits | 143.1827% | 877 |
| Total domestic deposits to total assets | 75.3295% | 6,691 |
| Equity capital to assets | 9.6382% | 4,443 |
| Core capital (leverage) ratio | 9.2418% | 4,248 |
| Tier 1 risk-based capital ratio | 10.9006% | 5,981 |
| Total risk-based capital ratio | 12.1648% | 5,907 |
| Memoranda: | ||
| Average total assets | $388,763,000 | 1,801 |
| Average earning assets | $359,306,000 | 1,783 |
| Average equity | $36,796,000 | 1,859 |
| Average total loans | $317,795,000 | 1,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 6,993 |
| Cost of funding earning assets | 2.1755% | 3,291 |
| Net interest margin | 2.7998% | 6,992 |
| Noninterest income to average assets | 0.6116% | 3,469 |
| Noninterest expense to average assets | 2.1798% | 6,924 |
| Loan and lease loss provision to assets | 1.6004% | 781 |
| Net operating income to assets | -0.5834% | 6,953 |
| Return on assets (ROA) | -0.9254% | 7,238 |
| Pretax return on assets | -0.9254% | 7,111 |
| Return on Equity (ROE) | -9.8619% | 7,356 |
| Retained earnings to average equity (ytd only) | -9.8619% | 7,096 |
| Net charge-offs to loans | 0.7853% | 1,641 |
| Credit loss provision to net charge-offs | 252.1395% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.6022% | 3,925 |
| Efficiency ratio | 68.1875% | 4,926 |
| Assets per employee ($millions) | 6.6131% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 1,739 |
| Loan loss allowance to noncurrent loans | 25.4786% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 8.0016% | 371 |
| Noncurrent loans to loans | 7.2661% | 530 |
| Net loans and leases to total assets | 82.2276% | 981 |
| Net loans and leases to deposits | 107.8462% | 734 |
| Net loans and leases to core deposits | 152.4998% | 632 |
| Total domestic deposits to total assets | 76.2453% | 6,464 |
| Equity capital to assets | 9.5810% | 4,554 |
| Core capital (leverage) ratio | 10.3510% | 3,068 |
| Tier 1 risk-based capital ratio | 10.8505% | 6,039 |
| Total risk-based capital ratio | 12.0903% | 5,958 |
| Memoranda: | ||
| Average total assets | $397,647,500 | 1,774 |
| Average earning assets | $367,172,500 | 1,759 |
| Average equity | $37,315,500 | 1,828 |
| Average total loans | $321,387,500 | 1,562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1770% | 4,632 |
| Cost of funding earning assets | 2.6764% | 3,286 |
| Net interest margin | 3.5006% | 5,294 |
| Noninterest income to average assets | 0.2317% | 6,779 |
| Noninterest expense to average assets | 1.8526% | 7,686 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6232% | 802 |
| Return on assets (ROA) | 1.7086% | 636 |
| Pretax return on assets | 1.7941% | 957 |
| Return on Equity (ROE) | 17.8470% | 541 |
| Retained earnings to average equity (ytd only) | -1.3798% | 5,700 |
| Net charge-offs to loans | 0.1881% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 12.2969% | 2,263 |
| Efficiency ratio | 52.0852% | 7,478 |
| Assets per employee ($millions) | 6.9282% | 729 |
| Cash dividends to net income (ytd only)* | 107.7313% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 2,582 |
| Loan loss allowance to noncurrent loans | 37.9323% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 3.4146% | 1,308 |
| Noncurrent loans to loans | 4.0115% | 1,225 |
| Net loans and leases to total assets | 67.3231% | 4,584 |
| Net loans and leases to deposits | 88.6542% | 3,695 |
| Net loans and leases to core deposits | 125.7026% | 2,182 |
| Total domestic deposits to total assets | 75.9390% | 6,256 |
| Equity capital to assets | 8.8314% | 5,600 |
| Core capital (leverage) ratio | 7.9484% | 6,576 |
| Tier 1 risk-based capital ratio | 11.0455% | 5,684 |
| Total risk-based capital ratio | 12.2976% | 5,571 |
| Memoranda: | ||
| Average total assets | $92,358,000 | 5,282 |
| Average earning assets | $87,728,800 | 5,160 |
| Average equity | $8,841,800 | 5,791 |
| Average total loans | $68,039,200 | 4,945 |