Home > West Iowa Bank > Performance and Condition Ratios
West Iowa Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 2,945 |
| Cost of funding earning assets | 1.2293% | 2,732 |
| Net interest margin | 3.3506% | 2,515 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6641% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3219% | 1,389 |
| Return on assets (ROA) | 1.3219% | 1,354 |
| Pretax return on assets | 1.6770% | 1,106 |
| Return on Equity (ROE) | 11.7000% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.1463% | 979 |
| Net charge-offs to loans | -0.0088% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.8074% | 3,994 |
| Assets per employee ($millions) | 9.9079% | 724 |
| Cash dividends to net income (ytd only)* | 13.2743% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 1,968 |
| Loan loss allowance to noncurrent loans | 344.1667% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,217 |
| Noncurrent loans to loans | 0.3658% | 1,890 |
| Net loans and leases to total assets | 54.4900% | 3,315 |
| Net loans and leases to deposits | 68.5016% | 2,988 |
| Net loans and leases to core deposits | 74.8400% | 3,038 |
| Total domestic deposits to total assets | 79.5500% | 3,527 |
| Equity capital to assets | 11.8894% | 1,170 |
| Core capital (leverage) ratio | 14.0609% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $170,965,000 | 3,187 |
| Average earning assets | $160,987,200 | 3,162 |
| Average equity | $19,317,400 | 2,920 |
| Average total loans | $90,712,000 | 3,283 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 2,941 |
| Cost of funding earning assets | 1.1189% | 2,690 |
| Net interest margin | 3.3701% | 2,524 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.6556% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3465% | 1,430 |
| Return on assets (ROA) | 1.3465% | 1,415 |
| Pretax return on assets | 1.7100% | 1,146 |
| Return on Equity (ROE) | 12.0800% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.9613% | 1,416 |
| Net charge-offs to loans | -0.0075% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.1918% | 3,972 |
| Assets per employee ($millions) | 9.9606% | 678 |
| Cash dividends to net income (ytd only)* | 17.5644% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 1,702 |
| Loan loss allowance to noncurrent loans | 1,507.3171% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,325 |
| Noncurrent loans to loans | 0.0888% | 3,141 |
| Net loans and leases to total assets | 53.7800% | 3,375 |
| Net loans and leases to deposits | 66.7649% | 3,068 |
| Net loans and leases to core deposits | 70.8983% | 3,166 |
| Total domestic deposits to total assets | 80.5500% | 3,451 |
| Equity capital to assets | 10.8504% | 1,409 |
| Core capital (leverage) ratio | 14.2417% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $169,120,500 | 3,206 |
| Average earning assets | $159,676,750 | 3,182 |
| Average equity | $18,845,750 | 2,948 |
| Average total loans | $88,783,250 | 3,305 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 2,858 |
| Cost of funding earning assets | 1.0186% | 2,536 |
| Net interest margin | 3.3938% | 2,536 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.6386% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3783% | 1,386 |
| Return on assets (ROA) | 1.3783% | 1,363 |
| Pretax return on assets | 1.7545% | 1,102 |
| Return on Equity (ROE) | 12.2600% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.1037% | 1,662 |
| Net charge-offs to loans | -0.0068% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.2915% | 4,045 |
| Assets per employee ($millions) | 9.8657% | 690 |
| Cash dividends to net income (ytd only)* | 25.7511% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,554 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 52.0400% | 3,407 |
| Net loans and leases to deposits | 63.2947% | 3,240 |
| Net loans and leases to core deposits | 66.4679% | 3,330 |
| Total domestic deposits to total assets | 82.2200% | 3,187 |
| Equity capital to assets | 11.5367% | 1,194 |
| Core capital (leverage) ratio | 13.7734% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $169,050,667 | 3,217 |
| Average earning assets | $159,819,667 | 3,193 |
| Average equity | $19,003,333 | 2,950 |
| Average total loans | $87,610,333 | 3,326 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,799 |
| Cost of funding earning assets | 0.8776% | 2,443 |
| Net interest margin | 3.4233% | 2,576 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.6357% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4000% | 1,410 |
| Return on assets (ROA) | 1.4000% | 1,388 |
| Pretax return on assets | 1.7889% | 1,085 |
| Return on Equity (ROE) | 12.6200% | 2,074 |
| Retained earnings to average equity (ytd only) | 12.6178% | 1,161 |
| Net charge-offs to loans | -0.0092% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7632% | 4,095 |
| Assets per employee ($millions) | 10.1505% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,485 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 49.1100% | 3,556 |
| Net loans and leases to deposits | 59.1223% | 3,387 |
| Net loans and leases to core deposits | 64.4228% | 3,321 |
| Total domestic deposits to total assets | 83.0600% | 3,285 |
| Equity capital to assets | 11.3573% | 1,203 |
| Core capital (leverage) ratio | 13.5506% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $169,717,500 | 3,264 |
| Average earning assets | $160,432,000 | 3,229 |
| Average equity | $18,830,500 | 2,991 |
| Average total loans | $87,160,000 | 3,365 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 2,244 |
| Cost of funding earning assets | 0.4192% | 1,947 |
| Net interest margin | 3.3935% | 2,278 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.6207% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4025% | 1,125 |
| Return on assets (ROA) | 1.4020% | 1,090 |
| Pretax return on assets | 1.7896% | 756 |
| Return on Equity (ROE) | 12.0800% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.4917% | 1,005 |
| Net charge-offs to loans | -0.0139% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.5153% | 4,270 |
| Assets per employee ($millions) | 9.8162% | 717 |
| Cash dividends to net income (ytd only)* | 13.1406% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,527 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.2000% | 3,342 |
| Net loans and leases to deposits | 62.0507% | 3,192 |
| Net loans and leases to core deposits | 66.5493% | 3,091 |
| Total domestic deposits to total assets | 84.1300% | 3,177 |
| Equity capital to assets | 10.8242% | 1,333 |
| Core capital (leverage) ratio | 13.7215% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $162,833,600 | 3,325 |
| Average earning assets | $153,144,600 | 3,294 |
| Average equity | $18,900,600 | 3,048 |
| Average total loans | $86,526,400 | 3,326 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 2,187 |
| Cost of funding earning assets | 0.3150% | 2,014 |
| Net interest margin | 3.3384% | 2,175 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6338% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3626% | 1,187 |
| Return on assets (ROA) | 1.3619% | 1,160 |
| Pretax return on assets | 1.7368% | 832 |
| Return on Equity (ROE) | 11.5300% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.4398% | 1,504 |
| Net charge-offs to loans | -0.0155% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.4604% | 4,247 |
| Assets per employee ($millions) | 10.3636% | 586 |
| Cash dividends to net income (ytd only)* | 18.1488% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,551 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.5000% | 3,336 |
| Net loans and leases to deposits | 59.0719% | 3,275 |
| Net loans and leases to core deposits | 62.7651% | 3,201 |
| Total domestic deposits to total assets | 87.1800% | 2,704 |
| Equity capital to assets | 10.2004% | 1,523 |
| Core capital (leverage) ratio | 12.8773% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $161,823,000 | 3,356 |
| Average earning assets | $152,364,500 | 3,327 |
| Average equity | $19,110,000 | 3,072 |
| Average total loans | $86,072,000 | 3,342 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 2,320 |
| Cost of funding earning assets | 0.2512% | 2,249 |
| Net interest margin | 3.1904% | 2,220 |
| Noninterest income to average assets | 0.2517% | 3,660 |
| Noninterest expense to average assets | 1.6499% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2658% | 1,236 |
| Return on assets (ROA) | 1.2649% | 1,222 |
| Pretax return on assets | 1.6076% | 919 |
| Return on Equity (ROE) | 10.2308% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.2069% | 1,914 |
| Net charge-offs to loans | 0.0047% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 645.5000% | 212 |
| Efficiency ratio | 50.6310% | 4,210 |
| Assets per employee ($millions) | 9.9784% | 665 |
| Cash dividends to net income (ytd only)* | 29.5567% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,533 |
| Loan loss allowance to noncurrent loans | 4,507.4074% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,791 |
| Noncurrent loans to loans | 0.0323% | 3,706 |
| Net loans and leases to total assets | 48.5307% | 3,504 |
| Net loans and leases to deposits | 55.9532% | 3,380 |
| Net loans and leases to core deposits | 59.5494% | 3,302 |
| Total domestic deposits to total assets | 86.7343% | 3,028 |
| Equity capital to assets | 10.7338% | 1,349 |
| Core capital (leverage) ratio | 12.9600% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,491,667 | 3,406 |
| Average earning assets | $151,268,000 | 3,386 |
| Average equity | $19,842,000 | 3,086 |
| Average total loans | $85,888,000 | 3,381 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 2,164 |
| Cost of funding earning assets | 0.2373% | 2,295 |
| Net interest margin | 3.1372% | 2,066 |
| Noninterest income to average assets | 0.3335% | 3,100 |
| Noninterest expense to average assets | 1.7239% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2417% | 1,139 |
| Return on assets (ROA) | 1.2417% | 1,126 |
| Pretax return on assets | 1.5598% | 900 |
| Return on Equity (ROE) | 9.3712% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.3712% | 1,170 |
| Net charge-offs to loans | -0.0092% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5000% | 4,164 |
| Assets per employee ($millions) | 8.7134% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.2692% | 2,960 |
| Net loans and leases to deposits | 61.7259% | 2,736 |
| Net loans and leases to core deposits | 63.4378% | 2,843 |
| Total domestic deposits to total assets | 84.6795% | 3,617 |
| Equity capital to assets | 12.6484% | 769 |
| Core capital (leverage) ratio | 12.9597% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,921,000 | 3,464 |
| Average earning assets | $146,627,000 | 3,441 |
| Average equity | $20,659,000 | 3,088 |
| Average total loans | $87,061,500 | 3,373 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 1,895 |
| Cost of funding earning assets | 0.2888% | 2,515 |
| Net interest margin | 3.5020% | 1,728 |
| Noninterest income to average assets | 0.2328% | 3,988 |
| Noninterest expense to average assets | 1.7729% | 4,190 |
| Loan and lease loss provision to assets | 0.0393% | 2,252 |
| Net operating income to assets | 1.3572% | 1,418 |
| Return on assets (ROA) | 1.3644% | 1,445 |
| Pretax return on assets | 1.7526% | 1,019 |
| Return on Equity (ROE) | 9.7607% | 2,613 |
| Retained earnings to average equity (ytd only) | 5.3048% | 2,672 |
| Net charge-offs to loans | -0.0086% | 3,688 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8617% | 4,292 |
| Assets per employee ($millions) | 8.6111% | 1,047 |
| Cash dividends to net income (ytd only)* | 45.6511% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.8729% | 2,390 |
| Net loans and leases to deposits | 70.5234% | 2,072 |
| Net loans and leases to core deposits | 71.9847% | 2,262 |
| Total domestic deposits to total assets | 82.0619% | 3,960 |
| Equity capital to assets | 13.8581% | 692 |
| Core capital (leverage) ratio | 13.2364% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,517,400 | 3,461 |
| Average earning assets | $144,716,200 | 3,427 |
| Average equity | $21,320,200 | 3,112 |
| Average total loans | $93,099,800 | 3,288 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 1,689 |
| Cost of funding earning assets | 0.3041% | 2,554 |
| Net interest margin | 3.6225% | 1,547 |
| Noninterest income to average assets | 0.2379% | 3,978 |
| Noninterest expense to average assets | 1.7845% | 4,197 |
| Loan and lease loss provision to assets | 0.0395% | 2,207 |
| Net operating income to assets | 1.4325% | 1,437 |
| Return on assets (ROA) | 1.4325% | 1,507 |
| Pretax return on assets | 1.8433% | 1,060 |
| Return on Equity (ROE) | 10.2252% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.6588% | 1,818 |
| Net charge-offs to loans | -0.0071% | 3,545 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6596% | 4,323 |
| Assets per employee ($millions) | 8.5102% | 1,047 |
| Cash dividends to net income (ytd only)* | 15.3186% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 59.5856% | 2,313 |
| Net loans and leases to deposits | 73.0738% | 1,950 |
| Net loans and leases to core deposits | 74.6150% | 2,179 |
| Total domestic deposits to total assets | 81.5417% | 4,007 |
| Equity capital to assets | 14.2535% | 684 |
| Core capital (leverage) ratio | 13.4067% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,896,750 | 3,503 |
| Average earning assets | $143,799,500 | 3,473 |
| Average equity | $21,280,250 | 3,146 |
| Average total loans | $93,644,250 | 3,329 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 1,281 |
| Cost of funding earning assets | 0.3196% | 2,589 |
| Net interest margin | 3.8198% | 1,111 |
| Noninterest income to average assets | 0.2509% | 3,899 |
| Noninterest expense to average assets | 1.8222% | 4,135 |
| Loan and lease loss provision to assets | 0.0396% | 2,208 |
| Net operating income to assets | 1.5515% | 1,168 |
| Return on assets (ROA) | 1.5515% | 1,224 |
| Pretax return on assets | 2.0031% | 832 |
| Return on Equity (ROE) | 11.1397% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.7696% | 1,793 |
| Net charge-offs to loans | -0.0043% | 3,385 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1472% | 4,452 |
| Assets per employee ($millions) | 8.2694% | 1,096 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.5060% | 2,601 |
| Net loans and leases to deposits | 71.2026% | 2,278 |
| Net loans and leases to core deposits | 72.6511% | 2,551 |
| Total domestic deposits to total assets | 82.1683% | 3,891 |
| Equity capital to assets | 13.6979% | 783 |
| Core capital (leverage) ratio | 13.0078% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,468,000 | 3,519 |
| Average earning assets | $143,305,000 | 3,483 |
| Average equity | $21,095,667 | 3,157 |
| Average total loans | $94,033,667 | 3,337 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 801 |
| Cost of funding earning assets | 0.3401% | 2,616 |
| Net interest margin | 4.1384% | 674 |
| Noninterest income to average assets | 0.3014% | 3,606 |
| Noninterest expense to average assets | 1.9187% | 3,941 |
| Loan and lease loss provision to assets | 0.0404% | 2,243 |
| Net operating income to assets | 1.7545% | 851 |
| Return on assets (ROA) | 1.7545% | 906 |
| Pretax return on assets | 2.2712% | 618 |
| Return on Equity (ROE) | 12.4889% | 1,841 |
| Retained earnings to average equity (ytd only) | 12.4889% | 1,031 |
| Net charge-offs to loans | 0.0085% | 1,609 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 429.5000% | 217 |
| Efficiency ratio | 45.3562% | 4,508 |
| Assets per employee ($millions) | 8.4204% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,650 |
| Loan loss allowance to noncurrent loans | 206.3830% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 2,309 |
| Noncurrent loans to loans | 0.6072% | 2,047 |
| Net loans and leases to total assets | 60.5161% | 2,479 |
| Net loans and leases to deposits | 74.1118% | 2,105 |
| Net loans and leases to core deposits | 75.6516% | 2,383 |
| Total domestic deposits to total assets | 81.6551% | 3,964 |
| Equity capital to assets | 13.9178% | 687 |
| Core capital (leverage) ratio | 13.3197% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,642,500 | 3,542 |
| Average earning assets | $141,116,500 | 3,502 |
| Average equity | $20,882,500 | 3,164 |
| Average total loans | $94,497,000 | 3,345 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,445 |
| Cost of funding earning assets | 0.5389% | 2,692 |
| Net interest margin | 3.5533% | 2,300 |
| Noninterest income to average assets | 0.2206% | 4,175 |
| Noninterest expense to average assets | 1.9858% | 4,167 |
| Loan and lease loss provision to assets | 0.0434% | 3,860 |
| Net operating income to assets | 1.2191% | 1,488 |
| Return on assets (ROA) | 1.2185% | 1,603 |
| Pretax return on assets | 1.5570% | 1,174 |
| Return on Equity (ROE) | 8.5025% | 2,606 |
| Retained earnings to average equity (ytd only) | 6.9887% | 1,399 |
| Net charge-offs to loans | 0.0564% | 1,970 |
| Credit loss provision to net charge-offs | 111.1111% | 2,715 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,367 |
| Efficiency ratio | 55.3629% | 4,060 |
| Assets per employee ($millions) | 8.0954% | 1,007 |
| Cash dividends to net income (ytd only)* | 17.8042% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,963 |
| Loan loss allowance to noncurrent loans | 7,673.3333% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,381 |
| Noncurrent loans to loans | 0.0156% | 4,303 |
| Net loans and leases to total assets | 65.1647% | 2,207 |
| Net loans and leases to deposits | 80.1486% | 1,850 |
| Net loans and leases to core deposits | 81.8869% | 2,203 |
| Total domestic deposits to total assets | 81.3049% | 3,806 |
| Equity capital to assets | 14.1850% | 752 |
| Core capital (leverage) ratio | 13.4839% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,279,400 | 3,534 |
| Average earning assets | $131,006,400 | 3,489 |
| Average equity | $19,817,600 | 3,206 |
| Average total loans | $95,734,600 | 3,304 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,357 |
| Cost of funding earning assets | 0.5820% | 2,728 |
| Net interest margin | 3.6321% | 2,152 |
| Noninterest income to average assets | 0.2189% | 4,178 |
| Noninterest expense to average assets | 2.0065% | 4,130 |
| Loan and lease loss provision to assets | 0.0440% | 3,808 |
| Net operating income to assets | 1.2625% | 1,443 |
| Return on assets (ROA) | 1.2618% | 1,559 |
| Pretax return on assets | 1.6136% | 1,153 |
| Return on Equity (ROE) | 8.7801% | 2,483 |
| Retained earnings to average equity (ytd only) | 6.7398% | 1,800 |
| Net charge-offs to loans | -0.0056% | 4,075 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7467% | 4,069 |
| Assets per employee ($millions) | 7.7199% | 1,113 |
| Cash dividends to net income (ytd only)* | 23.2378% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,566 |
| Loan loss allowance to noncurrent loans | 197.3554% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,435 |
| Noncurrent loans to loans | 0.6173% | 2,256 |
| Net loans and leases to total assets | 69.6729% | 2,006 |
| Net loans and leases to deposits | 87.3452% | 1,553 |
| Net loans and leases to core deposits | 90.5135% | 1,930 |
| Total domestic deposits to total assets | 79.7673% | 3,910 |
| Equity capital to assets | 14.5648% | 714 |
| Core capital (leverage) ratio | 13.5398% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,420,000 | 3,546 |
| Average earning assets | $129,434,750 | 3,503 |
| Average equity | $19,604,500 | 3,226 |
| Average total loans | $95,641,500 | 3,312 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,312 |
| Cost of funding earning assets | 0.6345% | 2,786 |
| Net interest margin | 3.7263% | 2,070 |
| Noninterest income to average assets | 0.2183% | 4,181 |
| Noninterest expense to average assets | 2.0432% | 4,144 |
| Loan and lease loss provision to assets | 0.0443% | 3,734 |
| Net operating income to assets | 1.3023% | 1,351 |
| Return on assets (ROA) | 1.3011% | 1,463 |
| Pretax return on assets | 1.6640% | 1,066 |
| Return on Equity (ROE) | 9.0961% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.0022% | 2,081 |
| Net charge-offs to loans | -0.0042% | 3,966 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4418% | 4,123 |
| Assets per employee ($millions) | 7.3192% | 1,266 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,406 |
| Loan loss allowance to noncurrent loans | 717.6829% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 3,948 |
| Noncurrent loans to loans | 0.1702% | 3,768 |
| Net loans and leases to total assets | 68.4411% | 2,277 |
| Net loans and leases to deposits | 85.5708% | 1,817 |
| Net loans and leases to core deposits | 89.1997% | 2,140 |
| Total domestic deposits to total assets | 79.9819% | 3,836 |
| Equity capital to assets | 14.2316% | 799 |
| Core capital (leverage) ratio | 13.3816% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,574,000 | 3,537 |
| Average earning assets | $128,599,667 | 3,490 |
| Average equity | $19,393,000 | 3,232 |
| Average total loans | $94,852,000 | 3,318 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,619 |
| Cost of funding earning assets | 0.7433% | 2,702 |
| Net interest margin | 3.6568% | 2,487 |
| Noninterest income to average assets | 0.2481% | 4,065 |
| Noninterest expense to average assets | 2.0444% | 4,318 |
| Loan and lease loss provision to assets | 0.0448% | 3,218 |
| Net operating income to assets | 1.2726% | 1,320 |
| Return on assets (ROA) | 1.2703% | 1,423 |
| Pretax return on assets | 1.6260% | 1,002 |
| Return on Equity (ROE) | 8.8569% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.8569% | 1,012 |
| Net charge-offs to loans | -0.0043% | 3,807 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9839% | 4,309 |
| Assets per employee ($millions) | 6.5953% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.6175% | 2,150 |
| Net loans and leases to deposits | 89.2436% | 1,606 |
| Net loans and leases to core deposits | 93.6886% | 2,004 |
| Total domestic deposits to total assets | 79.1289% | 4,024 |
| Equity capital to assets | 14.8061% | 800 |
| Core capital (leverage) ratio | 13.6965% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,829,000 | 3,536 |
| Average earning assets | $126,997,500 | 3,481 |
| Average equity | $19,194,000 | 3,256 |
| Average total loans | $94,101,000 | 3,317 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 2,929 |
| Cost of funding earning assets | 0.8088% | 2,637 |
| Net interest margin | 3.6946% | 2,830 |
| Noninterest income to average assets | 0.2432% | 4,224 |
| Noninterest expense to average assets | 2.0256% | 4,486 |
| Loan and lease loss provision to assets | 0.0440% | 3,131 |
| Net operating income to assets | 1.2944% | 1,712 |
| Return on assets (ROA) | 1.2938% | 1,792 |
| Pretax return on assets | 1.6667% | 1,279 |
| Return on Equity (ROE) | 9.9160% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.4000% | 856 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2051% | 4,404 |
| Assets per employee ($millions) | 6.7877% | 1,132 |
| Cash dividends to net income (ytd only)* | 15.2888% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.3211% | 2,635 |
| Net loans and leases to deposits | 83.5101% | 2,382 |
| Net loans and leases to core deposits | 87.4428% | 2,662 |
| Total domestic deposits to total assets | 81.8118% | 3,557 |
| Equity capital to assets | 13.8914% | 1,141 |
| Core capital (leverage) ratio | 13.1361% | 1,182 |
| Tier 1 risk-based capital ratio | 17.3780% | 1,928 |
| Total risk-based capital ratio | 18.4860% | 1,923 |
| Memoranda: | ||
| Average total assets | $136,500,000 | 3,485 |
| Average earning assets | $129,078,600 | 3,439 |
| Average equity | $17,809,600 | 3,354 |
| Average total loans | $90,187,200 | 3,392 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 3,041 |
| Cost of funding earning assets | 0.8001% | 2,719 |
| Net interest margin | 3.7064% | 2,891 |
| Noninterest income to average assets | 0.2361% | 4,324 |
| Noninterest expense to average assets | 2.0055% | 4,538 |
| Loan and lease loss provision to assets | 0.0439% | 3,031 |
| Net operating income to assets | 1.3118% | 1,802 |
| Return on assets (ROA) | 1.3110% | 1,887 |
| Pretax return on assets | 1.6875% | 1,372 |
| Return on Equity (ROE) | 10.2121% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.1605% | 1,327 |
| Net charge-offs to loans | 0.0194% | 2,728 |
| Credit loss provision to net charge-offs | 346.1538% | 867 |
| Earnings coverage of net charge-offs (x) | 136.6382% | 579 |
| Efficiency ratio | 53.6534% | 4,430 |
| Assets per employee ($millions) | 6.7727% | 1,124 |
| Cash dividends to net income (ytd only)* | 20.0892% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,280 |
| Loan loss allowance to noncurrent loans | 2,939.4737% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,595 |
| Noncurrent loans to loans | 0.0422% | 4,461 |
| Net loans and leases to total assets | 65.5868% | 3,102 |
| Net loans and leases to deposits | 80.0346% | 2,893 |
| Net loans and leases to core deposits | 83.5481% | 3,135 |
| Total domestic deposits to total assets | 81.9481% | 3,487 |
| Equity capital to assets | 13.6334% | 1,299 |
| Core capital (leverage) ratio | 12.9406% | 1,367 |
| Tier 1 risk-based capital ratio | 17.9954% | 1,821 |
| Total risk-based capital ratio | 19.1417% | 1,795 |
| Memoranda: | ||
| Average total assets | $136,686,750 | 3,512 |
| Average earning assets | $129,141,500 | 3,472 |
| Average equity | $17,547,500 | 3,405 |
| Average total loans | $89,260,750 | 3,451 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 3,098 |
| Cost of funding earning assets | 0.7834% | 2,723 |
| Net interest margin | 3.6888% | 2,966 |
| Noninterest income to average assets | 0.2232% | 4,408 |
| Noninterest expense to average assets | 2.0000% | 4,601 |
| Loan and lease loss provision to assets | 0.0438% | 2,950 |
| Net operating income to assets | 1.2907% | 1,816 |
| Return on assets (ROA) | 1.2896% | 1,877 |
| Pretax return on assets | 1.6674% | 1,343 |
| Return on Equity (ROE) | 10.2546% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.1226% | 1,749 |
| Net charge-offs to loans | -0.0045% | 4,095 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8703% | 4,486 |
| Assets per employee ($millions) | 6.7407% | 1,121 |
| Cash dividends to net income (ytd only)* | 30.5430% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,389 |
| Loan loss allowance to noncurrent loans | 2,376.5957% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,593 |
| Noncurrent loans to loans | 0.0515% | 4,455 |
| Net loans and leases to total assets | 66.8343% | 2,996 |
| Net loans and leases to deposits | 81.1518% | 2,827 |
| Net loans and leases to core deposits | 83.8954% | 3,115 |
| Total domestic deposits to total assets | 82.3572% | 3,420 |
| Equity capital to assets | 13.2798% | 1,447 |
| Core capital (leverage) ratio | 12.6629% | 1,453 |
| Tier 1 risk-based capital ratio | 16.9646% | 2,102 |
| Total risk-based capital ratio | 18.0743% | 2,079 |
| Memoranda: | ||
| Average total assets | $137,097,670 | 3,524 |
| Average earning assets | $129,689,670 | 3,481 |
| Average equity | $17,241,000 | 3,439 |
| Average total loans | $89,028,670 | 3,476 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 3,203 |
| Cost of funding earning assets | 0.7665% | 2,702 |
| Net interest margin | 3.6392% | 3,108 |
| Noninterest income to average assets | 0.2054% | 4,517 |
| Noninterest expense to average assets | 1.9936% | 4,654 |
| Loan and lease loss provision to assets | 0.0434% | 2,768 |
| Net operating income to assets | 1.2407% | 1,919 |
| Return on assets (ROA) | 1.2384% | 1,973 |
| Pretax return on assets | 1.6001% | 1,472 |
| Return on Equity (ROE) | 10.1242% | 2,314 |
| Retained earnings to average equity (ytd only) | 10.1242% | 1,007 |
| Net charge-offs to loans | -0.0045% | 4,000 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7695% | 4,460 |
| Assets per employee ($millions) | 6.7555% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,361 |
| Loan loss allowance to noncurrent loans | 8,469.2308% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,827 |
| Noncurrent loans to loans | 0.0147% | 4,716 |
| Net loans and leases to total assets | 64.7107% | 3,206 |
| Net loans and leases to deposits | 78.2126% | 3,038 |
| Net loans and leases to core deposits | 79.9989% | 3,373 |
| Total domestic deposits to total assets | 82.7369% | 3,490 |
| Equity capital to assets | 12.8800% | 1,524 |
| Core capital (leverage) ratio | 12.2761% | 1,618 |
| Tier 1 risk-based capital ratio | 16.9790% | 2,109 |
| Total risk-based capital ratio | 18.0858% | 2,110 |
| Memoranda: | ||
| Average total assets | $138,239,500 | 3,555 |
| Average earning assets | $130,468,000 | 3,507 |
| Average equity | $16,910,000 | 3,483 |
| Average total loans | $87,933,500 | 3,539 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 3,163 |
| Cost of funding earning assets | 0.7330% | 1,880 |
| Net interest margin | 3.5527% | 3,538 |
| Noninterest income to average assets | 0.2379% | 4,494 |
| Noninterest expense to average assets | 1.9971% | 4,757 |
| Loan and lease loss provision to assets | 0.1313% | 1,668 |
| Net operating income to assets | 1.1106% | 2,551 |
| Return on assets (ROA) | 1.1106% | 2,555 |
| Pretax return on assets | 1.4301% | 2,030 |
| Return on Equity (ROE) | 9.6823% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.0919% | 1,193 |
| Net charge-offs to loans | -0.0331% | 4,846 |
| Credit loss provision to net charge-offs | -620.6897% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0591% | 4,405 |
| Assets per employee ($millions) | 7.0685% | 945 |
| Cash dividends to net income (ytd only)* | 16.4258% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,341 |
| Loan loss allowance to noncurrent loans | 638.2353% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,224 |
| Noncurrent loans to loans | 0.1947% | 3,879 |
| Net loans and leases to total assets | 61.0108% | 3,665 |
| Net loans and leases to deposits | 73.5673% | 3,539 |
| Net loans and leases to core deposits | 75.9974% | 3,722 |
| Total domestic deposits to total assets | 82.9320% | 3,350 |
| Equity capital to assets | 11.6135% | 2,168 |
| Core capital (leverage) ratio | 11.7674% | 1,901 |
| Tier 1 risk-based capital ratio | 16.4973% | 2,238 |
| Total risk-based capital ratio | 17.5847% | 2,237 |
| Memoranda: | ||
| Average total assets | $137,049,200 | 3,545 |
| Average earning assets | $128,100,000 | 3,526 |
| Average equity | $15,719,400 | 3,545 |
| Average total loans | $87,740,800 | 3,519 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 3,147 |
| Cost of funding earning assets | 0.7190% | 1,753 |
| Net interest margin | 3.5320% | 3,588 |
| Noninterest income to average assets | 0.2432% | 4,522 |
| Noninterest expense to average assets | 1.9720% | 4,790 |
| Loan and lease loss provision to assets | 0.0883% | 2,209 |
| Net operating income to assets | 1.1502% | 2,436 |
| Return on assets (ROA) | 1.1502% | 2,446 |
| Pretax return on assets | 1.4827% | 1,959 |
| Return on Equity (ROE) | 10.0610% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.9168% | 1,695 |
| Net charge-offs to loans | -0.0425% | 4,872 |
| Credit loss provision to net charge-offs | -321.4286% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5771% | 4,438 |
| Assets per employee ($millions) | 6.8380% | 1,008 |
| Cash dividends to net income (ytd only)* | 21.3132% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,972 |
| Loan loss allowance to noncurrent loans | 165.6667% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 2,927 |
| Noncurrent loans to loans | 0.6874% | 2,357 |
| Net loans and leases to total assets | 63.1011% | 3,529 |
| Net loans and leases to deposits | 76.2132% | 3,399 |
| Net loans and leases to core deposits | 78.8108% | 3,584 |
| Total domestic deposits to total assets | 82.7954% | 3,376 |
| Equity capital to assets | 11.4770% | 2,274 |
| Core capital (leverage) ratio | 12.0631% | 1,752 |
| Tier 1 risk-based capital ratio | 16.3014% | 2,336 |
| Total risk-based capital ratio | 17.3071% | 2,368 |
| Memoranda: | ||
| Average total assets | $135,969,000 | 3,601 |
| Average earning assets | $127,027,250 | 3,576 |
| Average equity | $15,544,750 | 3,590 |
| Average total loans | $87,842,000 | 3,549 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 3,036 |
| Cost of funding earning assets | 0.6941% | 1,654 |
| Net interest margin | 3.5304% | 3,533 |
| Noninterest income to average assets | 0.2284% | 4,653 |
| Noninterest expense to average assets | 1.9528% | 4,876 |
| Loan and lease loss provision to assets | 0.0884% | 2,147 |
| Net operating income to assets | 1.1481% | 2,401 |
| Return on assets (ROA) | 1.1481% | 2,404 |
| Pretax return on assets | 1.4782% | 1,897 |
| Return on Equity (ROE) | 10.0553% | 2,540 |
| Retained earnings to average equity (ytd only) | 6.8283% | 2,155 |
| Net charge-offs to loans | -0.0613% | 4,986 |
| Credit loss provision to net charge-offs | -222.2222% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3601% | 4,550 |
| Assets per employee ($millions) | 6.7356% | 1,055 |
| Cash dividends to net income (ytd only)* | 32.0924% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,067 |
| Loan loss allowance to noncurrent loans | 867.5676% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,566 |
| Noncurrent loans to loans | 0.1308% | 4,321 |
| Net loans and leases to total assets | 62.2585% | 3,568 |
| Net loans and leases to deposits | 75.3208% | 3,410 |
| Net loans and leases to core deposits | 78.6668% | 3,522 |
| Total domestic deposits to total assets | 82.6577% | 3,507 |
| Equity capital to assets | 11.5425% | 2,167 |
| Core capital (leverage) ratio | 11.8630% | 1,792 |
| Tier 1 risk-based capital ratio | 16.3387% | 2,313 |
| Total risk-based capital ratio | 17.3397% | 2,342 |
| Memoranda: | ||
| Average total assets | $135,705,330 | 3,627 |
| Average earning assets | $126,502,000 | 3,611 |
| Average equity | $15,494,330 | 3,613 |
| Average total loans | $88,025,670 | 3,565 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,758 |
| Cost of funding earning assets | 0.6297% | 1,847 |
| Net interest margin | 3.6073% | 3,150 |
| Noninterest income to average assets | 0.2114% | 4,745 |
| Noninterest expense to average assets | 1.9119% | 5,006 |
| Loan and lease loss provision to assets | 0.0881% | 2,040 |
| Net operating income to assets | 1.2100% | 1,964 |
| Return on assets (ROA) | 1.2100% | 1,972 |
| Pretax return on assets | 1.5594% | 1,499 |
| Return on Equity (ROE) | 10.6549% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.6549% | 976 |
| Net charge-offs to loans | -0.0045% | 3,970 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4653% | 4,844 |
| Assets per employee ($millions) | 6.2612% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 4,028 |
| Loan loss allowance to noncurrent loans | 1,851.0204% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,924 |
| Noncurrent loans to loans | 0.0534% | 4,740 |
| Net loans and leases to total assets | 69.1359% | 2,610 |
| Net loans and leases to deposits | 85.5519% | 2,223 |
| Net loans and leases to core deposits | 90.8640% | 2,384 |
| Total domestic deposits to total assets | 80.8116% | 4,242 |
| Equity capital to assets | 11.7708% | 1,933 |
| Core capital (leverage) ratio | 11.9417% | 1,687 |
| Tier 1 risk-based capital ratio | 15.3466% | 2,719 |
| Total risk-based capital ratio | 16.2388% | 2,803 |
| Memoranda: | ||
| Average total assets | $136,202,500 | 3,657 |
| Average earning assets | $126,411,000 | 3,639 |
| Average equity | $15,467,000 | 3,650 |
| Average total loans | $89,622,500 | 3,551 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,076 |
| Cost of funding earning assets | 0.5932% | 1,650 |
| Net interest margin | 3.5020% | 3,521 |
| Noninterest income to average assets | 0.2585% | 4,585 |
| Noninterest expense to average assets | 2.0707% | 4,834 |
| Loan and lease loss provision to assets | 0.1192% | 1,918 |
| Net operating income to assets | 0.8817% | 2,807 |
| Return on assets (ROA) | 0.8746% | 2,866 |
| Pretax return on assets | 1.3184% | 2,285 |
| Return on Equity (ROE) | 7.5793% | 3,003 |
| Retained earnings to average equity (ytd only) | 6.2461% | 1,412 |
| Net charge-offs to loans | 0.0243% | 3,323 |
| Credit loss provision to net charge-offs | 775.0000% | 434 |
| Earnings coverage of net charge-offs (x) | 94.1500% | 674 |
| Efficiency ratio | 58.5355% | 4,468 |
| Assets per employee ($millions) | 6.7104% | 1,100 |
| Cash dividends to net income (ytd only)* | 17.5901% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,932 |
| Loan loss allowance to noncurrent loans | 1,717.6471% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 4,957 |
| Noncurrent loans to loans | 0.0583% | 4,735 |
| Net loans and leases to total assets | 61.4239% | 3,688 |
| Net loans and leases to deposits | 73.5206% | 3,555 |
| Net loans and leases to core deposits | 78.4189% | 3,555 |
| Total domestic deposits to total assets | 83.5466% | 3,373 |
| Equity capital to assets | 10.9687% | 2,655 |
| Core capital (leverage) ratio | 11.4215% | 2,000 |
| Tier 1 risk-based capital ratio | 14.6619% | 3,008 |
| Total risk-based capital ratio | 15.5076% | 3,115 |
| Memoranda: | ||
| Average total assets | $130,001,800 | 3,747 |
| Average earning assets | $121,045,200 | 3,726 |
| Average equity | $15,001,400 | 3,719 |
| Average total loans | $82,455,400 | 3,691 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,148 |
| Cost of funding earning assets | 0.5807% | 1,664 |
| Net interest margin | 3.4767% | 3,583 |
| Noninterest income to average assets | 0.2619% | 4,636 |
| Noninterest expense to average assets | 2.1151% | 4,701 |
| Loan and lease loss provision to assets | 0.0471% | 3,160 |
| Net operating income to assets | 0.9221% | 2,913 |
| Return on assets (ROA) | 0.9135% | 3,015 |
| Pretax return on assets | 1.3420% | 2,320 |
| Return on Equity (ROE) | 7.8095% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.0183% | 2,221 |
| Net charge-offs to loans | -0.0049% | 4,455 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8451% | 4,250 |
| Assets per employee ($millions) | 6.1886% | 1,388 |
| Cash dividends to net income (ytd only)* | 22.9357% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,583 |
| Loan loss allowance to noncurrent loans | 1,488.6792% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,032 |
| Noncurrent loans to loans | 0.0603% | 4,842 |
| Net loans and leases to total assets | 67.0532% | 2,977 |
| Net loans and leases to deposits | 82.3199% | 2,741 |
| Net loans and leases to core deposits | 88.2336% | 2,752 |
| Total domestic deposits to total assets | 81.4544% | 3,930 |
| Equity capital to assets | 11.8428% | 2,080 |
| Core capital (leverage) ratio | 11.5954% | 1,953 |
| Tier 1 risk-based capital ratio | 14.6777% | 3,082 |
| Total risk-based capital ratio | 15.4539% | 3,253 |
| Memoranda: | ||
| Average total assets | $127,272,500 | 3,823 |
| Average earning assets | $119,153,500 | 3,800 |
| Average equity | $14,887,500 | 3,769 |
| Average total loans | $81,210,750 | 3,753 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,257 |
| Cost of funding earning assets | 0.5623% | 1,698 |
| Net interest margin | 3.4230% | 3,687 |
| Noninterest income to average assets | 0.2595% | 4,677 |
| Noninterest expense to average assets | 2.1855% | 4,584 |
| Loan and lease loss provision to assets | 0.0348% | 3,295 |
| Net operating income to assets | 0.8502% | 3,153 |
| Return on assets (ROA) | 0.8403% | 3,248 |
| Pretax return on assets | 1.2233% | 2,686 |
| Return on Equity (ROE) | 7.2148% | 3,445 |
| Retained earnings to average equity (ytd only) | 4.4974% | 3,031 |
| Net charge-offs to loans | -0.0051% | 4,342 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8833% | 3,835 |
| Assets per employee ($millions) | 6.4338% | 1,191 |
| Cash dividends to net income (ytd only)* | 37.6648% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,668 |
| Loan loss allowance to noncurrent loans | 1,390.9091% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 5,068 |
| Noncurrent loans to loans | 0.0642% | 4,869 |
| Net loans and leases to total assets | 66.0338% | 3,104 |
| Net loans and leases to deposits | 80.8905% | 2,818 |
| Net loans and leases to core deposits | 85.8646% | 2,892 |
| Total domestic deposits to total assets | 81.6336% | 4,003 |
| Equity capital to assets | 11.7474% | 2,115 |
| Core capital (leverage) ratio | 11.4658% | 1,996 |
| Tier 1 risk-based capital ratio | 14.8133% | 3,008 |
| Total risk-based capital ratio | 15.5908% | 3,168 |
| Memoranda: | ||
| Average total assets | $126,376,330 | 3,863 |
| Average earning assets | $118,085,000 | 3,836 |
| Average equity | $14,719,670 | 3,792 |
| Average total loans | $78,970,330 | 3,814 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,645 |
| Cost of funding earning assets | 0.5152% | 1,969 |
| Net interest margin | 3.3180% | 3,945 |
| Noninterest income to average assets | 0.2460% | 4,775 |
| Noninterest expense to average assets | 2.3669% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6816% | 3,783 |
| Return on assets (ROA) | 0.6612% | 3,916 |
| Pretax return on assets | 0.9359% | 3,641 |
| Return on Equity (ROE) | 5.7019% | 4,042 |
| Retained earnings to average equity (ytd only) | 0.1928% | 4,874 |
| Net charge-offs to loans | -0.0053% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7574% | 2,783 |
| Assets per employee ($millions) | 6.2783% | 1,313 |
| Cash dividends to net income (ytd only)* | 96.6184% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,695 |
| Loan loss allowance to noncurrent loans | 623.5294% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,892 |
| Noncurrent loans to loans | 0.1469% | 4,596 |
| Net loans and leases to total assets | 63.9122% | 3,290 |
| Net loans and leases to deposits | 76.2656% | 3,169 |
| Net loans and leases to core deposits | 80.8413% | 3,220 |
| Total domestic deposits to total assets | 83.8021% | 3,550 |
| Equity capital to assets | 11.6226% | 2,098 |
| Core capital (leverage) ratio | 11.7104% | 1,824 |
| Tier 1 risk-based capital ratio | 14.9840% | 2,967 |
| Total risk-based capital ratio | 15.7643% | 3,128 |
| Memoranda: | ||
| Average total assets | $125,227,000 | 3,915 |
| Average earning assets | $116,455,000 | 3,909 |
| Average equity | $14,521,500 | 3,846 |
| Average total loans | $75,588,500 | 3,919 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 3,942 |
| Cost of funding earning assets | 0.5160% | 1,973 |
| Net interest margin | 3.2739% | 4,220 |
| Noninterest income to average assets | 0.2911% | 4,660 |
| Noninterest expense to average assets | 2.0614% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8770% | 2,944 |
| Return on assets (ROA) | 1.0324% | 2,317 |
| Pretax return on assets | 1.5100% | 1,554 |
| Return on Equity (ROE) | 8.4504% | 2,706 |
| Retained earnings to average equity (ytd only) | 6.3960% | 1,500 |
| Net charge-offs to loans | 0.0196% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 109.4286% | 550 |
| Efficiency ratio | 61.3113% | 4,370 |
| Assets per employee ($millions) | 6.2444% | 1,299 |
| Cash dividends to net income (ytd only)* | 24.3112% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,974 |
| Loan loss allowance to noncurrent loans | 211.7143% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 4,153 |
| Noncurrent loans to loans | 0.4987% | 3,374 |
| Net loans and leases to total assets | 55.6034% | 4,302 |
| Net loans and leases to deposits | 63.5584% | 4,446 |
| Net loans and leases to core deposits | 65.5688% | 4,550 |
| Total domestic deposits to total assets | 87.4840% | 1,887 |
| Equity capital to assets | 11.5696% | 2,108 |
| Core capital (leverage) ratio | 11.7559% | 1,753 |
| Tier 1 risk-based capital ratio | 15.9802% | 2,552 |
| Total risk-based capital ratio | 16.8116% | 2,652 |
| Memoranda: | ||
| Average total assets | $119,533,000 | 4,008 |
| Average earning assets | $111,425,400 | 3,986 |
| Average equity | $14,602,800 | 3,859 |
| Average total loans | $71,250,800 | 4,019 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 3,731 |
| Cost of funding earning assets | 0.5163% | 1,964 |
| Net interest margin | 3.3435% | 4,042 |
| Noninterest income to average assets | 0.2955% | 4,652 |
| Noninterest expense to average assets | 2.0587% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9308% | 2,748 |
| Return on assets (ROA) | 1.1156% | 2,039 |
| Pretax return on assets | 1.6424% | 1,269 |
| Return on Equity (ROE) | 9.0063% | 2,485 |
| Retained earnings to average equity (ytd only) | 6.2743% | 2,022 |
| Net charge-offs to loans | -0.0056% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7039% | 4,584 |
| Assets per employee ($millions) | 5.8496% | 1,545 |
| Cash dividends to net income (ytd only)* | 30.3338% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,830 |
| Loan loss allowance to noncurrent loans | 174.6544% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 3,940 |
| Noncurrent loans to loans | 0.6300% | 3,125 |
| Net loans and leases to total assets | 58.2339% | 4,075 |
| Net loans and leases to deposits | 67.4571% | 4,210 |
| Net loans and leases to core deposits | 68.8519% | 4,410 |
| Total domestic deposits to total assets | 86.3273% | 2,203 |
| Equity capital to assets | 12.8496% | 1,571 |
| Core capital (leverage) ratio | 11.9504% | 1,713 |
| Tier 1 risk-based capital ratio | 16.9134% | 2,254 |
| Total risk-based capital ratio | 17.8295% | 2,336 |
| Memoranda: | ||
| Average total assets | $118,194,250 | 4,054 |
| Average earning assets | $110,779,250 | 4,016 |
| Average equity | $14,641,250 | 3,890 |
| Average total loans | $71,517,750 | 4,029 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,619 |
| Cost of funding earning assets | 0.5161% | 1,969 |
| Net interest margin | 3.3807% | 3,966 |
| Noninterest income to average assets | 0.2867% | 4,735 |
| Noninterest expense to average assets | 2.0743% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9335% | 2,710 |
| Return on assets (ROA) | 1.1754% | 1,783 |
| Pretax return on assets | 1.7387% | 1,006 |
| Return on Equity (ROE) | 9.6067% | 2,226 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,438 |
| Net charge-offs to loans | -0.0055% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6585% | 4,684 |
| Assets per employee ($millions) | 5.8600% | 1,501 |
| Cash dividends to net income (ytd only)* | 43.0416% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,791 |
| Loan loss allowance to noncurrent loans | 525.6944% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,019 |
| Noncurrent loans to loans | 0.2147% | 4,582 |
| Net loans and leases to total assets | 56.5696% | 4,243 |
| Net loans and leases to deposits | 65.3875% | 4,392 |
| Net loans and leases to core deposits | 67.0717% | 4,539 |
| Total domestic deposits to total assets | 86.5144% | 2,163 |
| Equity capital to assets | 12.6588% | 1,683 |
| Core capital (leverage) ratio | 11.6056% | 1,904 |
| Tier 1 risk-based capital ratio | 16.8651% | 2,276 |
| Total risk-based capital ratio | 17.7969% | 2,355 |
| Memoranda: | ||
| Average total assets | $118,595,000 | 4,075 |
| Average earning assets | $111,218,000 | 4,036 |
| Average equity | $14,510,670 | 3,925 |
| Average total loans | $72,394,670 | 4,031 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,122 |
| Cost of funding earning assets | 0.5125% | 2,003 |
| Net interest margin | 3.5157% | 3,404 |
| Noninterest income to average assets | 0.2682% | 4,813 |
| Noninterest expense to average assets | 2.0789% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9973% | 2,291 |
| Return on assets (ROA) | 1.2071% | 1,633 |
| Pretax return on assets | 1.7872% | 873 |
| Return on Equity (ROE) | 10.0362% | 1,971 |
| Retained earnings to average equity (ytd only) | 1.6727% | 4,607 |
| Net charge-offs to loans | -0.0053% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1527% | 4,980 |
| Assets per employee ($millions) | 5.8534% | 1,527 |
| Cash dividends to net income (ytd only)* | 83.3333% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 4,422 |
| Loan loss allowance to noncurrent loans | 131.9372% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 3,643 |
| Noncurrent loans to loans | 0.7837% | 2,883 |
| Net loans and leases to total assets | 61.8085% | 3,556 |
| Net loans and leases to deposits | 71.2430% | 3,724 |
| Net loans and leases to core deposits | 74.4309% | 3,847 |
| Total domestic deposits to total assets | 86.7573% | 2,322 |
| Equity capital to assets | 12.3962% | 1,755 |
| Core capital (leverage) ratio | 11.3834% | 2,064 |
| Tier 1 risk-based capital ratio | 15.3756% | 2,980 |
| Total risk-based capital ratio | 16.2455% | 3,096 |
| Memoranda: | ||
| Average total assets | $119,293,000 | 4,086 |
| Average earning assets | $111,614,500 | 4,056 |
| Average equity | $14,348,000 | 3,962 |
| Average total loans | $75,064,000 | 3,996 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 2,908 |
| Cost of funding earning assets | 0.5231% | 1,972 |
| Net interest margin | 3.5796% | 3,209 |
| Noninterest income to average assets | 0.2825% | 4,865 |
| Noninterest expense to average assets | 1.9387% | 5,562 |
| Loan and lease loss provision to assets | 0.0828% | 2,642 |
| Net operating income to assets | 1.1015% | 1,921 |
| Return on assets (ROA) | 1.1781% | 1,707 |
| Pretax return on assets | 1.7299% | 930 |
| Return on Equity (ROE) | 10.3859% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.1948% | 855 |
| Net charge-offs to loans | -0.0013% | 4,851 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9599% | 5,586 |
| Assets per employee ($millions) | 5.7866% | 1,545 |
| Cash dividends to net income (ytd only)* | 21.0970% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 4,716 |
| Loan loss allowance to noncurrent loans | 820.6522% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,327 |
| Noncurrent loans to loans | 0.1195% | 5,014 |
| Net loans and leases to total assets | 62.7553% | 3,452 |
| Net loans and leases to deposits | 74.1978% | 3,468 |
| Net loans and leases to core deposits | 77.8717% | 3,559 |
| Total domestic deposits to total assets | 84.5784% | 3,256 |
| Equity capital to assets | 11.6723% | 2,215 |
| Core capital (leverage) ratio | 11.0582% | 2,341 |
| Tier 1 risk-based capital ratio | 14.1479% | 3,637 |
| Total risk-based capital ratio | 14.9507% | 3,816 |
| Memoranda: | ||
| Average total assets | $120,701,000 | 4,057 |
| Average earning assets | $113,169,400 | 4,017 |
| Average equity | $13,691,600 | 4,015 |
| Average total loans | $76,059,600 | 3,938 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,819 |
| Cost of funding earning assets | 0.5214% | 2,032 |
| Net interest margin | 3.6060% | 3,139 |
| Noninterest income to average assets | 0.2811% | 4,933 |
| Noninterest expense to average assets | 1.8988% | 5,638 |
| Loan and lease loss provision to assets | 0.1107% | 2,037 |
| Net operating income to assets | 1.1298% | 1,894 |
| Return on assets (ROA) | 1.2194% | 1,651 |
| Pretax return on assets | 1.7936% | 911 |
| Return on Equity (ROE) | 10.8288% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.8808% | 1,287 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4165% | 5,684 |
| Assets per employee ($millions) | 5.6342% | 1,654 |
| Cash dividends to net income (ytd only)* | 27.2232% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 4,635 |
| Loan loss allowance to noncurrent loans | 74.0668% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 2,729 |
| Noncurrent loans to loans | 1.3785% | 1,855 |
| Net loans and leases to total assets | 61.7784% | 3,643 |
| Net loans and leases to deposits | 72.2168% | 3,740 |
| Net loans and leases to core deposits | 76.2423% | 3,777 |
| Total domestic deposits to total assets | 85.5457% | 2,761 |
| Equity capital to assets | 11.7911% | 2,273 |
| Core capital (leverage) ratio | 10.8643% | 2,630 |
| Tier 1 risk-based capital ratio | 14.6241% | 3,486 |
| Total risk-based capital ratio | 15.4733% | 3,651 |
| Memoranda: | ||
| Average total assets | $120,496,750 | 4,110 |
| Average earning assets | $113,288,500 | 4,060 |
| Average equity | $13,568,500 | 4,087 |
| Average total loans | $75,821,000 | 3,982 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,802 |
| Cost of funding earning assets | 0.5137% | 2,128 |
| Net interest margin | 3.6116% | 3,037 |
| Noninterest income to average assets | 0.2673% | 5,043 |
| Noninterest expense to average assets | 1.8858% | 5,735 |
| Loan and lease loss provision to assets | 0.0825% | 2,464 |
| Net operating income to assets | 1.1507% | 1,781 |
| Return on assets (ROA) | 1.2258% | 1,598 |
| Pretax return on assets | 1.8082% | 882 |
| Return on Equity (ROE) | 11.0557% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.5918% | 1,904 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1251% | 5,787 |
| Assets per employee ($millions) | 5.7642% | 1,523 |
| Cash dividends to net income (ytd only)* | 40.3769% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 5,105 |
| Loan loss allowance to noncurrent loans | 499.2908% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 5,395 |
| Noncurrent loans to loans | 0.1897% | 5,020 |
| Net loans and leases to total assets | 60.8060% | 3,718 |
| Net loans and leases to deposits | 71.1723% | 3,799 |
| Net loans and leases to core deposits | 75.4351% | 3,816 |
| Total domestic deposits to total assets | 85.4348% | 2,951 |
| Equity capital to assets | 11.1294% | 2,741 |
| Core capital (leverage) ratio | 10.3517% | 3,142 |
| Tier 1 risk-based capital ratio | 14.0192% | 3,910 |
| Total risk-based capital ratio | 14.8010% | 4,119 |
| Memoranda: | ||
| Average total assets | $121,223,000 | 4,136 |
| Average earning assets | $114,075,330 | 4,074 |
| Average equity | $13,441,000 | 4,130 |
| Average total loans | $76,478,330 | 3,988 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 2,653 |
| Cost of funding earning assets | 0.5044% | 2,245 |
| Net interest margin | 3.6393% | 2,861 |
| Noninterest income to average assets | 0.2473% | 5,184 |
| Noninterest expense to average assets | 1.9520% | 5,661 |
| Loan and lease loss provision to assets | 0.0165% | 3,509 |
| Net operating income to assets | 1.1558% | 1,682 |
| Return on assets (ROA) | 1.2365% | 1,530 |
| Pretax return on assets | 1.8234% | 834 |
| Return on Equity (ROE) | 11.1728% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.1728% | 691 |
| Net charge-offs to loans | 0.0052% | 3,142 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 104 |
| Efficiency ratio | 52.8725% | 5,756 |
| Assets per employee ($millions) | 6.1047% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 5,526 |
| Loan loss allowance to noncurrent loans | 288.5965% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 5,202 |
| Noncurrent loans to loans | 0.3012% | 4,709 |
| Net loans and leases to total assets | 61.4532% | 3,459 |
| Net loans and leases to deposits | 72.7761% | 3,460 |
| Net loans and leases to core deposits | 76.6723% | 3,523 |
| Total domestic deposits to total assets | 84.4414% | 3,638 |
| Equity capital to assets | 11.2349% | 2,716 |
| Core capital (leverage) ratio | 10.3353% | 3,180 |
| Tier 1 risk-based capital ratio | 13.4786% | 4,333 |
| Total risk-based capital ratio | 14.1850% | 4,559 |
| Memoranda: | ||
| Average total assets | $121,310,000 | 4,162 |
| Average earning assets | $114,196,500 | 4,097 |
| Average equity | $13,425,500 | 4,166 |
| Average total loans | $77,563,000 | 3,978 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 2,943 |
| Cost of funding earning assets | 0.5546% | 2,175 |
| Net interest margin | 3.6498% | 3,218 |
| Noninterest income to average assets | 0.2643% | 5,238 |
| Noninterest expense to average assets | 1.9756% | 5,811 |
| Loan and lease loss provision to assets | 0.0041% | 4,525 |
| Net operating income to assets | 1.1479% | 1,781 |
| Return on assets (ROA) | 1.2325% | 1,542 |
| Pretax return on assets | 1.8079% | 781 |
| Return on Equity (ROE) | 12.4305% | 1,287 |
| Retained earnings to average equity (ytd only) | 10.7797% | 404 |
| Net charge-offs to loans | 0.3822% | 1,121 |
| Credit loss provision to net charge-offs | 1.7794% | 4,190 |
| Earnings coverage of net charge-offs (x) | 7.3381% | 3,049 |
| Efficiency ratio | 53.6193% | 5,872 |
| Assets per employee ($millions) | 6.0264% | 1,355 |
| Cash dividends to net income (ytd only)* | 13.2802% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 5,709 |
| Loan loss allowance to noncurrent loans | 734.8315% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 5,736 |
| Noncurrent loans to loans | 0.1120% | 5,444 |
| Net loans and leases to total assets | 65.3663% | 2,995 |
| Net loans and leases to deposits | 77.3036% | 3,048 |
| Net loans and leases to core deposits | 81.0735% | 3,190 |
| Total domestic deposits to total assets | 84.5578% | 3,479 |
| Equity capital to assets | 10.8971% | 3,017 |
| Core capital (leverage) ratio | 10.2242% | 3,281 |
| Tier 1 risk-based capital ratio | 12.5954% | 4,978 |
| Total risk-based capital ratio | 13.2733% | 5,255 |
| Memoranda: | ||
| Average total assets | $122,187,800 | 4,135 |
| Average earning assets | $113,785,800 | 4,096 |
| Average equity | $12,115,400 | 4,337 |
| Average total loans | $73,516,800 | 4,076 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 3,051 |
| Cost of funding earning assets | 0.5674% | 2,128 |
| Net interest margin | 3.6161% | 3,364 |
| Noninterest income to average assets | 0.2577% | 5,377 |
| Noninterest expense to average assets | 1.8803% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1756% | 1,771 |
| Return on assets (ROA) | 1.2474% | 1,586 |
| Pretax return on assets | 1.8444% | 809 |
| Return on Equity (ROE) | 12.8938% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.6455% | 565 |
| Net charge-offs to loans | -0.1555% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6526% | 6,014 |
| Assets per employee ($millions) | 5.9865% | 1,346 |
| Cash dividends to net income (ytd only)* | 17.4367% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 3,201 |
| Loan loss allowance to noncurrent loans | 200.3953% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,650 |
| Noncurrent loans to loans | 0.6963% | 3,869 |
| Net loans and leases to total assets | 59.8493% | 3,815 |
| Net loans and leases to deposits | 72.5222% | 3,626 |
| Net loans and leases to core deposits | 74.1898% | 3,924 |
| Total domestic deposits to total assets | 82.5255% | 4,292 |
| Equity capital to assets | 10.4620% | 3,609 |
| Core capital (leverage) ratio | 9.7379% | 4,014 |
| Tier 1 risk-based capital ratio | 13.3434% | 4,648 |
| Total risk-based capital ratio | 14.4911% | 4,640 |
| Memoranda: | ||
| Average total assets | $122,603,000 | 4,167 |
| Average earning assets | $113,968,500 | 4,129 |
| Average equity | $11,860,750 | 4,412 |
| Average total loans | $72,036,500 | 4,156 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 3,167 |
| Cost of funding earning assets | 0.5823% | 2,055 |
| Net interest margin | 3.5633% | 3,515 |
| Noninterest income to average assets | 0.2379% | 5,495 |
| Noninterest expense to average assets | 1.8809% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1306% | 1,817 |
| Return on assets (ROA) | 1.1978% | 1,665 |
| Pretax return on assets | 1.7643% | 907 |
| Return on Equity (ROE) | 12.7159% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.2791% | 888 |
| Net charge-offs to loans | -0.2283% | 6,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7157% | 6,015 |
| Assets per employee ($millions) | 6.2077% | 1,168 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,226 |
| Loan loss allowance to noncurrent loans | 199.6055% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 4,788 |
| Noncurrent loans to loans | 0.7132% | 3,923 |
| Net loans and leases to total assets | 56.4400% | 4,212 |
| Net loans and leases to deposits | 63.9635% | 4,504 |
| Net loans and leases to core deposits | 65.2099% | 4,716 |
| Total domestic deposits to total assets | 88.2379% | 1,762 |
| Equity capital to assets | 9.7597% | 4,421 |
| Core capital (leverage) ratio | 9.1001% | 4,872 |
| Tier 1 risk-based capital ratio | 12.8492% | 5,006 |
| Total risk-based capital ratio | 13.9920% | 5,011 |
| Memoranda: | ||
| Average total assets | $123,561,000 | 4,170 |
| Average earning assets | $114,725,330 | 4,130 |
| Average equity | $11,639,000 | 4,464 |
| Average total loans | $71,825,000 | 4,167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 3,329 |
| Cost of funding earning assets | 0.5885% | 2,084 |
| Net interest margin | 3.4995% | 3,693 |
| Noninterest income to average assets | 0.2239% | 5,560 |
| Noninterest expense to average assets | 1.8529% | 6,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1033% | 1,802 |
| Return on assets (ROA) | 1.1033% | 1,859 |
| Pretax return on assets | 1.6128% | 1,146 |
| Return on Equity (ROE) | 11.9298% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.9298% | 616 |
| Net charge-offs to loans | -0.0055% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1835% | 6,073 |
| Assets per employee ($millions) | 6.2193% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,040 |
| Loan loss allowance to noncurrent loans | 182.1918% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 4,908 |
| Noncurrent loans to loans | 0.7219% | 4,061 |
| Net loans and leases to total assets | 56.1566% | 4,130 |
| Net loans and leases to deposits | 63.8095% | 4,331 |
| Net loans and leases to core deposits | 65.7186% | 4,512 |
| Total domestic deposits to total assets | 88.0067% | 2,233 |
| Equity capital to assets | 9.4520% | 4,560 |
| Core capital (leverage) ratio | 9.0608% | 4,920 |
| Tier 1 risk-based capital ratio | 12.6414% | 5,227 |
| Total risk-based capital ratio | 13.6946% | 5,284 |
| Memoranda: | ||
| Average total assets | $123,265,000 | 4,205 |
| Average earning assets | $114,188,000 | 4,176 |
| Average equity | $11,400,000 | 4,526 |
| Average total loans | $72,195,500 | 4,194 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,854 |
| Cost of funding earning assets | 0.6638% | 2,084 |
| Net interest margin | 3.6633% | 3,209 |
| Noninterest income to average assets | 0.2606% | 5,483 |
| Noninterest expense to average assets | 1.9388% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1913% | 1,605 |
| Return on assets (ROA) | 1.1968% | 1,650 |
| Pretax return on assets | 1.7447% | 862 |
| Return on Equity (ROE) | 12.1152% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.2178% | 393 |
| Net charge-offs to loans | -0.1689% | 6,591 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5084% | 6,253 |
| Assets per employee ($millions) | 6.1072% | 1,197 |
| Cash dividends to net income (ytd only)* | 7.4074% | 4,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,327 |
| Loan loss allowance to noncurrent loans | 179.8839% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 4,984 |
| Noncurrent loans to loans | 0.7024% | 4,220 |
| Net loans and leases to total assets | 59.5027% | 3,794 |
| Net loans and leases to deposits | 67.3384% | 4,141 |
| Net loans and leases to core deposits | 69.7147% | 4,312 |
| Total domestic deposits to total assets | 88.3637% | 1,971 |
| Equity capital to assets | 9.0410% | 4,982 |
| Core capital (leverage) ratio | 9.1026% | 4,853 |
| Tier 1 risk-based capital ratio | 11.7668% | 5,764 |
| Total risk-based capital ratio | 12.7770% | 5,833 |
| Memoranda: | ||
| Average total assets | $112,801,800 | 4,439 |
| Average earning assets | $105,151,200 | 4,385 |
| Average equity | $11,143,000 | 4,609 |
| Average total loans | $71,051,600 | 4,225 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 2,667 |
| Cost of funding earning assets | 0.6721% | 2,160 |
| Net interest margin | 3.7042% | 3,018 |
| Noninterest income to average assets | 0.2583% | 5,597 |
| Noninterest expense to average assets | 1.9263% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2286% | 1,537 |
| Return on assets (ROA) | 1.2359% | 1,595 |
| Pretax return on assets | 1.8153% | 870 |
| Return on Equity (ROE) | 12.2251% | 1,410 |
| Retained earnings to average equity (ytd only) | 12.2251% | 397 |
| Net charge-offs to loans | -0.2481% | 6,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4073% | 6,296 |
| Assets per employee ($millions) | 5.8667% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,030 |
| Loan loss allowance to noncurrent loans | 122.8460% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 4,481 |
| Noncurrent loans to loans | 1.1150% | 3,572 |
| Net loans and leases to total assets | 57.7510% | 4,053 |
| Net loans and leases to deposits | 65.0260% | 4,401 |
| Net loans and leases to core deposits | 67.2826% | 4,592 |
| Total domestic deposits to total assets | 88.8122% | 1,663 |
| Equity capital to assets | 9.2583% | 4,850 |
| Core capital (leverage) ratio | 9.1548% | 4,895 |
| Tier 1 risk-based capital ratio | 12.3676% | 5,537 |
| Total risk-based capital ratio | 13.4652% | 5,564 |
| Memoranda: | ||
| Average total assets | $110,466,250 | 4,526 |
| Average earning assets | $103,556,750 | 4,459 |
| Average equity | $11,168,000 | 4,655 |
| Average total loans | $70,412,250 | 4,287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,782 |
| Cost of funding earning assets | 0.6721% | 2,290 |
| Net interest margin | 3.6704% | 3,082 |
| Noninterest income to average assets | 0.2459% | 5,693 |
| Noninterest expense to average assets | 1.8507% | 6,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2625% | 1,422 |
| Return on assets (ROA) | 1.2738% | 1,488 |
| Pretax return on assets | 1.8747% | 780 |
| Return on Equity (ROE) | 12.2275% | 1,420 |
| Retained earnings to average equity (ytd only) | 12.2275% | 457 |
| Net charge-offs to loans | -0.2451% | 6,716 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7507% | 6,450 |
| Assets per employee ($millions) | 5.2344% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 4,700 |
| Loan loss allowance to noncurrent loans | 183.0612% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 5,214 |
| Noncurrent loans to loans | 0.6880% | 4,561 |
| Net loans and leases to total assets | 61.0693% | 3,470 |
| Net loans and leases to deposits | 69.2966% | 3,817 |
| Net loans and leases to core deposits | 71.4025% | 4,119 |
| Total domestic deposits to total assets | 88.1274% | 2,153 |
| Equity capital to assets | 9.7008% | 4,312 |
| Core capital (leverage) ratio | 9.1612% | 4,744 |
| Tier 1 risk-based capital ratio | 11.7459% | 5,957 |
| Total risk-based capital ratio | 12.7724% | 6,066 |
| Memoranda: | ||
| Average total assets | $108,177,330 | 4,600 |
| Average earning assets | $102,060,670 | 4,520 |
| Average equity | $11,269,670 | 4,669 |
| Average total loans | $70,982,330 | 4,278 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,371 |
| Cost of funding earning assets | 0.6770% | 2,418 |
| Net interest margin | 3.7676% | 2,577 |
| Noninterest income to average assets | 0.2254% | 5,854 |
| Noninterest expense to average assets | 1.7232% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3996% | 1,024 |
| Return on assets (ROA) | 1.4252% | 1,072 |
| Pretax return on assets | 2.1129% | 480 |
| Return on Equity (ROE) | 13.1814% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.1814% | 531 |
| Net charge-offs to loans | -0.5645% | 6,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3722% | 6,716 |
| Assets per employee ($millions) | 6.0373% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 4,721 |
| Loan loss allowance to noncurrent loans | 179.1339% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 5,141 |
| Noncurrent loans to loans | 0.7230% | 4,683 |
| Net loans and leases to total assets | 67.5751% | 2,095 |
| Net loans and leases to deposits | 79.8340% | 2,097 |
| Net loans and leases to core deposits | 82.5674% | 2,506 |
| Total domestic deposits to total assets | 84.6445% | 4,202 |
| Equity capital to assets | 11.1902% | 2,750 |
| Core capital (leverage) ratio | 10.3269% | 3,000 |
| Tier 1 risk-based capital ratio | 13.0920% | 5,152 |
| Total risk-based capital ratio | 14.1918% | 5,217 |
| Memoranda: | ||
| Average total assets | $104,688,000 | 4,756 |
| Average earning assets | $99,267,000 | 4,648 |
| Average equity | $11,319,000 | 4,712 |
| Average total loans | $70,862,500 | 4,314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 3,112 |
| Cost of funding earning assets | 0.8916% | 1,984 |
| Net interest margin | 3.6807% | 3,737 |
| Noninterest income to average assets | 0.2533% | 5,651 |
| Noninterest expense to average assets | 1.7985% | 6,624 |
| Loan and lease loss provision to assets | 0.0565% | 5,076 |
| Net operating income to assets | 1.2854% | 1,352 |
| Return on assets (ROA) | 1.3675% | 1,283 |
| Pretax return on assets | 1.9923% | 612 |
| Return on Equity (ROE) | 12.6169% | 1,327 |
| Retained earnings to average equity (ytd only) | 8.8923% | 859 |
| Net charge-offs to loans | 0.1728% | 3,996 |
| Credit loss provision to net charge-offs | 50.9091% | 4,677 |
| Earnings coverage of net charge-offs (x) | 17.3818% | 1,507 |
| Efficiency ratio | 48.2404% | 6,695 |
| Assets per employee ($millions) | 6.2789% | 1,118 |
| Cash dividends to net income (ytd only)* | 29.5203% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,425 |
| Loan loss allowance to noncurrent loans | 148.8971% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 5,199 |
| Noncurrent loans to loans | 0.7613% | 4,662 |
| Net loans and leases to total assets | 66.1876% | 2,500 |
| Net loans and leases to deposits | 80.0249% | 2,277 |
| Net loans and leases to core deposits | 83.0034% | 2,666 |
| Total domestic deposits to total assets | 82.7088% | 4,844 |
| Equity capital to assets | 10.4486% | 3,588 |
| Core capital (leverage) ratio | 10.1436% | 3,213 |
| Tier 1 risk-based capital ratio | 12.0986% | 5,720 |
| Total risk-based capital ratio | 13.0355% | 5,884 |
| Memoranda: | ||
| Average total assets | $99,083,200 | 4,858 |
| Average earning assets | $93,540,800 | 4,764 |
| Average equity | $10,739,600 | 4,808 |
| Average total loans | $63,646,600 | 4,578 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 2,999 |
| Cost of funding earning assets | 0.9289% | 1,987 |
| Net interest margin | 3.7242% | 3,683 |
| Noninterest income to average assets | 0.2525% | 5,762 |
| Noninterest expense to average assets | 1.8057% | 6,679 |
| Loan and lease loss provision to assets | 0.0467% | 5,190 |
| Net operating income to assets | 1.3127% | 1,410 |
| Return on assets (ROA) | 1.4051% | 1,332 |
| Pretax return on assets | 2.0569% | 617 |
| Return on Equity (ROE) | 12.8363% | 1,381 |
| Retained earnings to average equity (ytd only) | 10.3292% | 833 |
| Net charge-offs to loans | 0.0454% | 5,018 |
| Credit loss provision to net charge-offs | 161.9048% | 1,717 |
| Earnings coverage of net charge-offs (x) | 68.2839% | 597 |
| Efficiency ratio | 47.8545% | 6,728 |
| Assets per employee ($millions) | 6.1396% | 1,163 |
| Cash dividends to net income (ytd only)* | 19.5312% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 4,306 |
| Loan loss allowance to noncurrent loans | 148.3926% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 5,172 |
| Noncurrent loans to loans | 0.9543% | 4,525 |
| Net loans and leases to total assets | 62.1482% | 3,353 |
| Net loans and leases to deposits | 72.6881% | 3,500 |
| Net loans and leases to core deposits | 75.5326% | 3,787 |
| Total domestic deposits to total assets | 85.4998% | 3,508 |
| Equity capital to assets | 11.3200% | 2,913 |
| Core capital (leverage) ratio | 10.5645% | 2,847 |
| Tier 1 risk-based capital ratio | 13.9096% | 4,597 |
| Total risk-based capital ratio | 15.0906% | 4,618 |
| Memoranda: | ||
| Average total assets | $97,168,500 | 4,956 |
| Average earning assets | $91,865,500 | 4,854 |
| Average equity | $10,636,250 | 4,878 |
| Average total loans | $61,693,250 | 4,698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 3,148 |
| Cost of funding earning assets | 0.9521% | 2,050 |
| Net interest margin | 3.6953% | 3,845 |
| Noninterest income to average assets | 0.2541% | 5,761 |
| Noninterest expense to average assets | 1.7849% | 6,771 |
| Loan and lease loss provision to assets | 0.0393% | 5,181 |
| Net operating income to assets | 1.3297% | 1,362 |
| Return on assets (ROA) | 1.4337% | 1,253 |
| Pretax return on assets | 2.0947% | 580 |
| Return on Equity (ROE) | 13.2506% | 1,292 |
| Retained earnings to average equity (ytd only) | 9.4320% | 1,134 |
| Net charge-offs to loans | 0.0649% | 4,525 |
| Credit loss provision to net charge-offs | 95.0000% | 2,904 |
| Earnings coverage of net charge-offs (x) | 47.9500% | 756 |
| Efficiency ratio | 47.3944% | 6,811 |
| Assets per employee ($millions) | 5.6365% | 1,492 |
| Cash dividends to net income (ytd only)* | 28.8184% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,497 |
| Loan loss allowance to noncurrent loans | 132.7692% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 5,077 |
| Noncurrent loans to loans | 1.0492% | 4,419 |
| Net loans and leases to total assets | 63.7522% | 3,089 |
| Net loans and leases to deposits | 74.5976% | 3,191 |
| Net loans and leases to core deposits | 79.2774% | 3,328 |
| Total domestic deposits to total assets | 85.4614% | 3,631 |
| Equity capital to assets | 11.2574% | 2,836 |
| Core capital (leverage) ratio | 10.2556% | 3,091 |
| Tier 1 risk-based capital ratio | 13.5029% | 4,821 |
| Total risk-based capital ratio | 14.6683% | 4,848 |
| Memoranda: | ||
| Average total assets | $96,813,670 | 4,988 |
| Average earning assets | $92,009,000 | 4,870 |
| Average equity | $10,475,000 | 4,920 |
| Average total loans | $61,615,330 | 4,722 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 3,323 |
| Cost of funding earning assets | 0.9647% | 2,199 |
| Net interest margin | 3.6728% | 3,949 |
| Noninterest income to average assets | 0.2425% | 5,897 |
| Noninterest expense to average assets | 1.7182% | 6,883 |
| Loan and lease loss provision to assets | 0.0329% | 4,962 |
| Net operating income to assets | 1.3547% | 1,302 |
| Return on assets (ROA) | 1.4469% | 1,258 |
| Pretax return on assets | 2.1169% | 618 |
| Return on Equity (ROE) | 13.6447% | 1,269 |
| Retained earnings to average equity (ytd only) | 9.7684% | 1,333 |
| Net charge-offs to loans | 0.0260% | 4,317 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 287 |
| Efficiency ratio | 46.0352% | 6,897 |
| Assets per employee ($millions) | 5.8759% | 1,358 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,511 |
| Loan loss allowance to noncurrent loans | 124.3553% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 5,151 |
| Noncurrent loans to loans | 1.1430% | 4,429 |
| Net loans and leases to total assets | 60.2627% | 3,607 |
| Net loans and leases to deposits | 69.7160% | 3,764 |
| Net loans and leases to core deposits | 73.6751% | 3,932 |
| Total domestic deposits to total assets | 86.4402% | 3,281 |
| Equity capital to assets | 10.4384% | 3,568 |
| Core capital (leverage) ratio | 9.8879% | 3,517 |
| Tier 1 risk-based capital ratio | 13.1138% | 5,123 |
| Total risk-based capital ratio | 14.2803% | 5,160 |
| Memoranda: | ||
| Average total assets | $97,310,000 | 5,009 |
| Average earning assets | $92,464,000 | 4,892 |
| Average equity | $10,319,000 | 4,967 |
| Average total loans | $61,447,500 | 4,757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 2,249 |
| Cost of funding earning assets | 1.1512% | 2,348 |
| Net interest margin | 3.9996% | 2,876 |
| Noninterest income to average assets | 0.2628% | 5,655 |
| Noninterest expense to average assets | 1.9450% | 6,771 |
| Loan and lease loss provision to assets | 0.1227% | 5,070 |
| Net operating income to assets | 1.3549% | 1,126 |
| Return on assets (ROA) | 1.4357% | 1,039 |
| Pretax return on assets | 2.0906% | 450 |
| Return on Equity (ROE) | 13.2237% | 1,116 |
| Retained earnings to average equity (ytd only) | 5.1846% | 2,516 |
| Net charge-offs to loans | 0.0948% | 5,398 |
| Credit loss provision to net charge-offs | 196.4912% | 1,291 |
| Earnings coverage of net charge-offs (x) | 33.5789% | 769 |
| Efficiency ratio | 48.1301% | 6,943 |
| Assets per employee ($millions) | 5.5723% | 1,557 |
| Cash dividends to net income (ytd only)* | 60.7933% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 4,471 |
| Loan loss allowance to noncurrent loans | 119.6676% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 5,116 |
| Noncurrent loans to loans | 1.1677% | 4,415 |
| Net loans and leases to total assets | 64.3583% | 3,104 |
| Net loans and leases to deposits | 74.9106% | 3,356 |
| Net loans and leases to core deposits | 79.4356% | 3,520 |
| Total domestic deposits to total assets | 85.9135% | 3,367 |
| Equity capital to assets | 10.7792% | 3,216 |
| Core capital (leverage) ratio | 9.8520% | 3,515 |
| Tier 1 risk-based capital ratio | 12.3934% | 5,541 |
| Total risk-based capital ratio | 13.5200% | 5,607 |
| Memoranda: | ||
| Average total assets | $91,313,000 | 5,153 |
| Average earning assets | $86,257,800 | 5,052 |
| Average equity | $9,914,000 | 5,044 |
| Average total loans | $60,109,200 | 4,863 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 2,211 |
| Cost of funding earning assets | 1.1788% | 2,456 |
| Net interest margin | 4.0214% | 2,827 |
| Noninterest income to average assets | 0.2800% | 5,607 |
| Noninterest expense to average assets | 1.9294% | 6,817 |
| Loan and lease loss provision to assets | 0.1356% | 4,742 |
| Net operating income to assets | 1.3818% | 1,197 |
| Return on assets (ROA) | 1.4916% | 1,038 |
| Pretax return on assets | 2.1755% | 448 |
| Return on Equity (ROE) | 13.7127% | 1,102 |
| Retained earnings to average equity (ytd only) | 10.7317% | 672 |
| Net charge-offs to loans | 0.1408% | 4,657 |
| Credit loss provision to net charge-offs | 146.0317% | 2,162 |
| Earnings coverage of net charge-offs (x) | 23.1740% | 1,126 |
| Efficiency ratio | 47.2734% | 6,999 |
| Assets per employee ($millions) | 5.5005% | 1,600 |
| Cash dividends to net income (ytd only)* | 21.7394% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 4,591 |
| Loan loss allowance to noncurrent loans | 120.4023% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 5,175 |
| Noncurrent loans to loans | 1.1575% | 4,607 |
| Net loans and leases to total assets | 63.4074% | 3,429 |
| Net loans and leases to deposits | 74.5630% | 3,580 |
| Net loans and leases to core deposits | 81.1805% | 3,455 |
| Total domestic deposits to total assets | 85.0387% | 3,752 |
| Equity capital to assets | 11.2760% | 2,887 |
| Core capital (leverage) ratio | 10.6507% | 2,709 |
| Tier 1 risk-based capital ratio | 13.5992% | 4,652 |
| Total risk-based capital ratio | 14.7641% | 4,694 |
| Memoranda: | ||
| Average total assets | $90,459,000 | 5,212 |
| Average earning assets | $85,507,500 | 5,108 |
| Average equity | $9,839,750 | 5,083 |
| Average total loans | $59,679,000 | 4,914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 2,317 |
| Cost of funding earning assets | 1.2086% | 2,519 |
| Net interest margin | 3.9777% | 2,955 |
| Noninterest income to average assets | 0.2639% | 5,764 |
| Noninterest expense to average assets | 1.9677% | 6,852 |
| Loan and lease loss provision to assets | 0.1252% | 4,722 |
| Net operating income to assets | 1.3388% | 1,220 |
| Return on assets (ROA) | 1.4020% | 1,145 |
| Pretax return on assets | 2.0304% | 560 |
| Return on Equity (ROE) | 13.0557% | 1,188 |
| Retained earnings to average equity (ytd only) | 8.4748% | 1,272 |
| Net charge-offs to loans | 0.1814% | 4,074 |
| Credit loss provision to net charge-offs | 103.7037% | 2,981 |
| Earnings coverage of net charge-offs (x) | 17.0926% | 1,313 |
| Efficiency ratio | 48.8075% | 7,017 |
| Assets per employee ($millions) | 5.3101% | 1,746 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 4,742 |
| Loan loss allowance to noncurrent loans | 102.7883% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 5,126 |
| Noncurrent loans to loans | 1.3311% | 4,428 |
| Net loans and leases to total assets | 64.7654% | 3,304 |
| Net loans and leases to deposits | 76.0283% | 3,465 |
| Net loans and leases to core deposits | 83.0221% | 3,359 |
| Total domestic deposits to total assets | 85.1859% | 3,791 |
| Equity capital to assets | 11.0366% | 2,915 |
| Core capital (leverage) ratio | 10.2575% | 2,967 |
| Tier 1 risk-based capital ratio | 13.2894% | 4,699 |
| Total risk-based capital ratio | 14.4362% | 4,755 |
| Memoranda: | ||
| Average total assets | $89,442,670 | 5,275 |
| Average earning assets | $84,723,330 | 5,171 |
| Average equity | $9,605,000 | 5,152 |
| Average total loans | $59,529,000 | 4,977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 2,480 |
| Cost of funding earning assets | 1.2335% | 2,610 |
| Net interest margin | 3.9044% | 3,115 |
| Noninterest income to average assets | 0.2426% | 5,960 |
| Noninterest expense to average assets | 1.9275% | 6,941 |
| Loan and lease loss provision to assets | 0.1393% | 4,267 |
| Net operating income to assets | 1.3006% | 1,261 |
| Return on assets (ROA) | 1.3254% | 1,259 |
| Pretax return on assets | 1.9095% | 666 |
| Return on Equity (ROE) | 12.5186% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.5186% | 664 |
| Net charge-offs to loans | 0.3688% | 2,593 |
| Credit loss provision to net charge-offs | 56.3636% | 3,619 |
| Earnings coverage of net charge-offs (x) | 8.1455% | 1,854 |
| Efficiency ratio | 48.9168% | 7,068 |
| Assets per employee ($millions) | 5.0528% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,955 |
| Loan loss allowance to noncurrent loans | 97.8803% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 5,148 |
| Noncurrent loans to loans | 1.3675% | 4,422 |
| Net loans and leases to total assets | 63.6189% | 3,518 |
| Net loans and leases to deposits | 74.6318% | 3,661 |
| Net loans and leases to core deposits | 80.0714% | 3,745 |
| Total domestic deposits to total assets | 85.2437% | 3,929 |
| Equity capital to assets | 10.5518% | 3,127 |
| Core capital (leverage) ratio | 10.1546% | 2,971 |
| Tier 1 risk-based capital ratio | 13.1411% | 4,718 |
| Total risk-based capital ratio | 14.2522% | 4,812 |
| Memoranda: | ||
| Average total assets | $89,028,000 | 5,320 |
| Average earning assets | $84,316,000 | 5,217 |
| Average equity | $9,426,000 | 5,198 |
| Average total loans | $59,655,500 | 5,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 1,554 |
| Cost of funding earning assets | 1.4768% | 2,777 |
| Net interest margin | 4.2287% | 2,062 |
| Noninterest income to average assets | 0.3037% | 5,624 |
| Noninterest expense to average assets | 2.0953% | 6,858 |
| Loan and lease loss provision to assets | 0.2154% | 5,104 |
| Net operating income to assets | 1.3396% | 1,085 |
| Return on assets (ROA) | 1.3596% | 1,104 |
| Pretax return on assets | 1.9929% | 485 |
| Return on Equity (ROE) | 12.3831% | 1,241 |
| Retained earnings to average equity (ytd only) | 1.9620% | 4,495 |
| Net charge-offs to loans | 0.1863% | 5,189 |
| Credit loss provision to net charge-offs | 169.4444% | 2,004 |
| Earnings coverage of net charge-offs (x) | 17.1389% | 1,171 |
| Efficiency ratio | 48.6643% | 7,222 |
| Assets per employee ($millions) | 4.8392% | 2,359 |
| Cash dividends to net income (ytd only)* | 84.1558% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,834 |
| Loan loss allowance to noncurrent loans | 100.3722% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 5,162 |
| Noncurrent loans to loans | 1.3286% | 4,500 |
| Net loans and leases to total assets | 68.7159% | 2,808 |
| Net loans and leases to deposits | 80.9278% | 3,006 |
| Net loans and leases to core deposits | 88.4069% | 2,998 |
| Total domestic deposits to total assets | 84.9102% | 3,906 |
| Equity capital to assets | 10.6251% | 3,043 |
| Core capital (leverage) ratio | 10.0751% | 2,997 |
| Tier 1 risk-based capital ratio | 12.2530% | 5,255 |
| Total risk-based capital ratio | 13.3555% | 5,366 |
| Memoranda: | ||
| Average total assets | $84,953,200 | 5,443 |
| Average earning assets | $79,764,600 | 5,357 |
| Average equity | $9,327,200 | 5,323 |
| Average total loans | $57,979,800 | 5,156 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7951% | 1,411 |
| Cost of funding earning assets | 1.5209% | 2,838 |
| Net interest margin | 4.2742% | 1,943 |
| Noninterest income to average assets | 0.3033% | 5,723 |
| Noninterest expense to average assets | 2.0707% | 6,913 |
| Loan and lease loss provision to assets | 0.2338% | 4,735 |
| Net operating income to assets | 1.3552% | 1,210 |
| Return on assets (ROA) | 1.3820% | 1,224 |
| Pretax return on assets | 2.0375% | 574 |
| Return on Equity (ROE) | 12.4838% | 1,390 |
| Retained earnings to average equity (ytd only) | -1.3697% | 6,072 |
| Net charge-offs to loans | 0.1489% | 5,118 |
| Credit loss provision to net charge-offs | 231.2500% | 1,479 |
| Earnings coverage of net charge-offs (x) | 22.0784% | 1,107 |
| Efficiency ratio | 47.6505% | 7,288 |
| Assets per employee ($millions) | 4.6864% | 2,619 |
| Cash dividends to net income (ytd only)* | 110.9708% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,581 |
| Loan loss allowance to noncurrent loans | 90.4867% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 4,968 |
| Noncurrent loans to loans | 1.5232% | 4,354 |
| Net loans and leases to total assets | 69.3833% | 2,882 |
| Net loans and leases to deposits | 84.0608% | 2,693 |
| Net loans and leases to core deposits | 91.5045% | 2,874 |
| Total domestic deposits to total assets | 82.5395% | 4,779 |
| Equity capital to assets | 11.0211% | 2,940 |
| Core capital (leverage) ratio | 10.3798% | 2,826 |
| Tier 1 risk-based capital ratio | 12.7477% | 4,777 |
| Total risk-based capital ratio | 13.9446% | 4,800 |
| Memoranda: | ||
| Average total assets | $84,415,250 | 5,526 |
| Average earning assets | $78,984,000 | 5,436 |
| Average equity | $9,345,250 | 5,394 |
| Average total loans | $57,308,750 | 5,259 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8078% | 1,404 |
| Cost of funding earning assets | 1.5681% | 2,849 |
| Net interest margin | 4.2397% | 2,020 |
| Noninterest income to average assets | 0.2937% | 5,799 |
| Noninterest expense to average assets | 2.1200% | 6,838 |
| Loan and lease loss provision to assets | 0.1966% | 4,899 |
| Net operating income to assets | 1.3241% | 1,250 |
| Return on assets (ROA) | 1.3644% | 1,229 |
| Pretax return on assets | 2.0134% | 587 |
| Return on Equity (ROE) | 12.3059% | 1,380 |
| Retained earnings to average equity (ytd only) | 2.1578% | 4,772 |
| Net charge-offs to loans | 0.1731% | 4,577 |
| Credit loss provision to net charge-offs | 169.3878% | 2,312 |
| Earnings coverage of net charge-offs (x) | 18.5306% | 1,288 |
| Efficiency ratio | 49.1403% | 7,278 |
| Assets per employee ($millions) | 4.6403% | 2,667 |
| Cash dividends to net income (ytd only)* | 82.4653% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,620 |
| Loan loss allowance to noncurrent loans | 242.2713% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 6,488 |
| Noncurrent loans to loans | 0.5621% | 6,123 |
| Net loans and leases to total assets | 66.5972% | 3,711 |
| Net loans and leases to deposits | 79.4873% | 3,695 |
| Net loans and leases to core deposits | 86.4792% | 3,769 |
| Total domestic deposits to total assets | 83.7835% | 4,208 |
| Equity capital to assets | 11.2995% | 2,598 |
| Core capital (leverage) ratio | 10.6438% | 2,505 |
| Tier 1 risk-based capital ratio | 13.5625% | 4,034 |
| Total risk-based capital ratio | 14.7322% | 4,044 |
| Memoranda: | ||
| Average total assets | $84,435,000 | 5,551 |
| Average earning assets | $79,203,330 | 5,467 |
| Average equity | $9,361,330 | 5,395 |
| Average total loans | $56,629,330 | 5,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7898% | 1,495 |
| Cost of funding earning assets | 1.6255% | 2,799 |
| Net interest margin | 4.1642% | 2,177 |
| Noninterest income to average assets | 0.2780% | 5,922 |
| Noninterest expense to average assets | 2.0780% | 6,993 |
| Loan and lease loss provision to assets | 0.2120% | 4,390 |
| Net operating income to assets | 1.2866% | 1,328 |
| Return on assets (ROA) | 1.3571% | 1,240 |
| Pretax return on assets | 2.0026% | 601 |
| Return on Equity (ROE) | 12.3565% | 1,402 |
| Retained earnings to average equity (ytd only) | 1.6304% | 5,125 |
| Net charge-offs to loans | 0.1480% | 4,042 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,126 |
| Efficiency ratio | 49.1564% | 7,367 |
| Assets per employee ($millions) | 4.5993% | 2,803 |
| Cash dividends to net income (ytd only)* | 86.8056% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,800 |
| Loan loss allowance to noncurrent loans | 219.7101% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 6,427 |
| Noncurrent loans to loans | 0.6031% | 6,099 |
| Net loans and leases to total assets | 68.1846% | 3,345 |
| Net loans and leases to deposits | 82.3145% | 3,232 |
| Net loans and leases to core deposits | 88.9800% | 3,500 |
| Total domestic deposits to total assets | 82.8343% | 4,703 |
| Equity capital to assets | 11.3279% | 2,481 |
| Core capital (leverage) ratio | 10.2686% | 2,845 |
| Tier 1 risk-based capital ratio | 13.1506% | 4,238 |
| Total risk-based capital ratio | 14.2787% | 4,285 |
| Memoranda: | ||
| Average total assets | $84,889,500 | 5,601 |
| Average earning assets | $79,727,000 | 5,515 |
| Average equity | $9,323,000 | 5,446 |
| Average total loans | $56,747,000 | 5,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7990% | 2,654 |
| Cost of funding earning assets | 1.9647% | 3,128 |
| Net interest margin | 3.8343% | 3,556 |
| Noninterest income to average assets | 0.3096% | 5,867 |
| Noninterest expense to average assets | 2.0211% | 7,339 |
| Loan and lease loss provision to assets | 0.1222% | 6,419 |
| Net operating income to assets | 1.1838% | 1,293 |
| Return on assets (ROA) | 1.1991% | 1,298 |
| Pretax return on assets | 1.7720% | 671 |
| Return on Equity (ROE) | 11.5293% | 1,280 |
| Retained earnings to average equity (ytd only) | 9.7046% | 400 |
| Net charge-offs to loans | 0.1794% | 5,521 |
| Credit loss provision to net charge-offs | 109.5745% | 5,029 |
| Earnings coverage of net charge-offs (x) | 16.7872% | 1,230 |
| Efficiency ratio | 51.4016% | 7,441 |
| Assets per employee ($millions) | 5.1172% | 2,059 |
| Cash dividends to net income (ytd only)* | 15.8259% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,733 |
| Loan loss allowance to noncurrent loans | 154.5263% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,080 |
| Noncurrent loans to loans | 0.8439% | 5,602 |
| Net loans and leases to total assets | 63.8610% | 4,626 |
| Net loans and leases to deposits | 76.3629% | 4,673 |
| Net loans and leases to core deposits | 94.1897% | 4,654 |
| Total domestic deposits to total assets | 83.6284% | 4,216 |
| Equity capital to assets | 10.6539% | 3,016 |
| Core capital (leverage) ratio | 10.2117% | 2,870 |
| Tier 1 risk-based capital ratio | 13.0050% | 4,139 |
| Total risk-based capital ratio | 14.0903% | 4,206 |
| Memoranda: | ||
| Average total assets | $84,311,200 | 5,583 |
| Average earning assets | $78,788,800 | 5,499 |
| Average equity | $8,769,000 | 5,674 |
| Average total loans | $52,386,800 | 5,572 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 2,729 |
| Cost of funding earning assets | 2.0389% | 3,166 |
| Net interest margin | 3.7949% | 3,680 |
| Noninterest income to average assets | 0.3268% | 5,871 |
| Noninterest expense to average assets | 2.0388% | 7,311 |
| Loan and lease loss provision to assets | 0.1259% | 6,094 |
| Net operating income to assets | 1.1612% | 1,559 |
| Return on assets (ROA) | 1.1764% | 1,579 |
| Pretax return on assets | 1.7328% | 908 |
| Return on Equity (ROE) | 11.3831% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.9152% | 865 |
| Net charge-offs to loans | 0.2671% | 4,370 |
| Credit loss provision to net charge-offs | 76.6990% | 5,844 |
| Earnings coverage of net charge-offs (x) | 11.1844% | 1,878 |
| Efficiency ratio | 52.0773% | 7,406 |
| Assets per employee ($millions) | 4.8314% | 2,359 |
| Cash dividends to net income (ytd only)* | 21.6803% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,365 |
| Loan loss allowance to noncurrent loans | 151.4039% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 6,050 |
| Noncurrent loans to loans | 0.8742% | 5,541 |
| Net loans and leases to total assets | 63.6297% | 4,947 |
| Net loans and leases to deposits | 76.7923% | 4,929 |
| Net loans and leases to core deposits | 98.8257% | 4,510 |
| Total domestic deposits to total assets | 82.8595% | 4,292 |
| Equity capital to assets | 11.0090% | 2,994 |
| Core capital (leverage) ratio | 10.3314% | 2,947 |
| Tier 1 risk-based capital ratio | 13.6727% | 3,736 |
| Total risk-based capital ratio | 14.7980% | 3,749 |
| Memoranda: | ||
| Average total assets | $83,641,000 | 5,631 |
| Average earning assets | $78,208,750 | 5,551 |
| Average equity | $8,644,250 | 5,774 |
| Average total loans | $51,411,500 | 5,650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 2,945 |
| Cost of funding earning assets | 2.0955% | 3,293 |
| Net interest margin | 3.7271% | 3,851 |
| Noninterest income to average assets | 0.2924% | 6,179 |
| Noninterest expense to average assets | 2.0703% | 7,332 |
| Loan and lease loss provision to assets | 0.0879% | 6,289 |
| Net operating income to assets | 1.0985% | 1,776 |
| Return on assets (ROA) | 1.1195% | 1,787 |
| Pretax return on assets | 1.6401% | 1,131 |
| Return on Equity (ROE) | 11.0672% | 1,686 |
| Retained earnings to average equity (ytd only) | 7.3076% | 1,466 |
| Net charge-offs to loans | 0.0904% | 5,282 |
| Credit loss provision to net charge-offs | 160.8696% | 2,854 |
| Earnings coverage of net charge-offs (x) | 31.0435% | 977 |
| Efficiency ratio | 54.3849% | 7,289 |
| Assets per employee ($millions) | 5.0801% | 1,994 |
| Cash dividends to net income (ytd only)* | 33.9703% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 3,539 |
| Loan loss allowance to noncurrent loans | 147.8000% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 5,973 |
| Noncurrent loans to loans | 0.9719% | 5,275 |
| Net loans and leases to total assets | 58.7175% | 5,872 |
| Net loans and leases to deposits | 69.6648% | 6,020 |
| Net loans and leases to core deposits | 90.3694% | 5,503 |
| Total domestic deposits to total assets | 84.2857% | 3,603 |
| Equity capital to assets | 9.8968% | 4,089 |
| Core capital (leverage) ratio | 9.7689% | 3,555 |
| Tier 1 risk-based capital ratio | 13.2628% | 3,966 |
| Total risk-based capital ratio | 14.4514% | 3,920 |
| Memoranda: | ||
| Average total assets | $84,143,670 | 5,648 |
| Average earning assets | $78,452,330 | 5,582 |
| Average equity | $8,511,670 | 5,840 |
| Average total loans | $50,894,670 | 5,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 2,753 |
| Cost of funding earning assets | 2.1487% | 3,416 |
| Net interest margin | 3.7602% | 3,616 |
| Noninterest income to average assets | 0.2746% | 6,236 |
| Noninterest expense to average assets | 1.9221% | 7,510 |
| Loan and lease loss provision to assets | 0.0626% | 6,168 |
| Net operating income to assets | 1.2203% | 1,599 |
| Return on assets (ROA) | 1.2236% | 1,689 |
| Pretax return on assets | 1.8016% | 971 |
| Return on Equity (ROE) | 11.9614% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.9614% | 790 |
| Net charge-offs to loans | 0.0237% | 5,223 |
| Credit loss provision to net charge-offs | 433.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | 128.6667% | 339 |
| Efficiency ratio | 50.3185% | 7,566 |
| Assets per employee ($millions) | 4.8336% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,371 |
| Loan loss allowance to noncurrent loans | 159.0909% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 5,792 |
| Noncurrent loans to loans | 0.8945% | 5,216 |
| Net loans and leases to total assets | 61.9615% | 5,336 |
| Net loans and leases to deposits | 73.5649% | 5,535 |
| Net loans and leases to core deposits | 100.3726% | 4,505 |
| Total domestic deposits to total assets | 84.2270% | 3,587 |
| Equity capital to assets | 10.5170% | 3,445 |
| Core capital (leverage) ratio | 9.9310% | 3,483 |
| Tier 1 risk-based capital ratio | 13.2815% | 4,004 |
| Total risk-based capital ratio | 14.4742% | 3,961 |
| Memoranda: | ||
| Average total assets | $83,035,000 | 5,705 |
| Average earning assets | $77,442,000 | 5,640 |
| Average equity | $8,494,000 | 5,882 |
| Average total loans | $50,618,000 | 5,775 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3794% | 3,528 |
| Cost of funding earning assets | 2.7106% | 3,111 |
| Net interest margin | 3.6688% | 4,604 |
| Noninterest income to average assets | 0.3341% | 6,062 |
| Noninterest expense to average assets | 2.0347% | 7,379 |
| Loan and lease loss provision to assets | 0.0804% | 6,391 |
| Net operating income to assets | 1.1236% | 2,054 |
| Return on assets (ROA) | 1.1253% | 1,964 |
| Pretax return on assets | 1.6453% | 1,275 |
| Return on Equity (ROE) | 11.6125% | 1,708 |
| Retained earnings to average equity (ytd only) | 8.5668% | 689 |
| Net charge-offs to loans | -0.0191% | 7,921 |
| Credit loss provision to net charge-offs | -711.1111% | 7,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5762% | 7,319 |
| Assets per employee ($millions) | 4.9352% | 2,016 |
| Cash dividends to net income (ytd only)* | 26.2277% | 4,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 2,871 |
| Loan loss allowance to noncurrent loans | 145.2906% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 5,408 |
| Noncurrent loans to loans | 1.0063% | 4,578 |
| Net loans and leases to total assets | 58.2386% | 6,168 |
| Net loans and leases to deposits | 68.7912% | 6,390 |
| Net loans and leases to core deposits | 90.5336% | 5,755 |
| Total domestic deposits to total assets | 84.6599% | 3,001 |
| Equity capital to assets | 9.9478% | 4,105 |
| Core capital (leverage) ratio | 9.6317% | 3,846 |
| Tier 1 risk-based capital ratio | 12.7921% | 4,226 |
| Total risk-based capital ratio | 13.9620% | 4,196 |
| Memoranda: | ||
| Average total assets | $79,619,800 | 5,716 |
| Average earning assets | $74,301,800 | 5,651 |
| Average equity | $7,715,800 | 6,203 |
| Average total loans | $47,192,000 | 5,815 |