Home > Bank of Prairie du Sac > Performance and Condition Ratios
Bank of Prairie du Sac, 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 | 4.3054% | 3,437 |
| Cost of funding earning assets | 1.4176% | 2,181 |
| Net interest margin | 2.8879% | 3,512 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.4659% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1318% | 1,826 |
| Return on assets (ROA) | 1.1354% | 1,798 |
| Pretax return on assets | 1.6447% | 1,159 |
| Return on Equity (ROE) | 9.4400% | 2,651 |
| Retained earnings to average equity (ytd only) | 5.2159% | 2,528 |
| Net charge-offs to loans | 0.0264% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 103.5109% | 888 |
| Efficiency ratio | 47.1971% | 4,135 |
| Assets per employee ($millions) | 12.2438% | 389 |
| Cash dividends to net income (ytd only)* | 44.7293% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 883 |
| Loan loss allowance to noncurrent loans | 1,330.5419% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,115 |
| Noncurrent loans to loans | 0.1184% | 2,931 |
| Net loans and leases to total assets | 56.2500% | 3,170 |
| Net loans and leases to deposits | 65.0502% | 3,236 |
| Net loans and leases to core deposits | 73.4909% | 3,099 |
| Total domestic deposits to total assets | 86.4700% | 1,871 |
| Equity capital to assets | 12.6258% | 963 |
| Core capital (leverage) ratio | 14.9227% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5299% | 570 |
| Memoranda: | ||
| Average total assets | $580,652,800 | 1,524 |
| Average earning assets | $557,434,600 | 1,474 |
| Average equity | $69,863,000 | 1,250 |
| Average total loans | $348,389,800 | 1,615 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 3,365 |
| Cost of funding earning assets | 1.3497% | 2,004 |
| Net interest margin | 2.9064% | 3,530 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.4481% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0852% | 2,101 |
| Return on assets (ROA) | 1.0901% | 2,071 |
| Pretax return on assets | 1.7039% | 1,155 |
| Return on Equity (ROE) | 9.1800% | 2,880 |
| Retained earnings to average equity (ytd only) | 6.0435% | 2,618 |
| Net charge-offs to loans | 0.0015% | 2,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,833.0000% | 75 |
| Efficiency ratio | 46.0327% | 4,134 |
| Assets per employee ($millions) | 10.8421% | 522 |
| Cash dividends to net income (ytd only)* | 34.1546% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 635 |
| Loan loss allowance to noncurrent loans | 1,443.9904% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,097 |
| Noncurrent loans to loans | 0.1210% | 2,955 |
| Net loans and leases to total assets | 61.0700% | 2,741 |
| Net loans and leases to deposits | 69.9374% | 2,846 |
| Net loans and leases to core deposits | 77.6485% | 2,759 |
| Total domestic deposits to total assets | 87.3200% | 1,793 |
| Equity capital to assets | 11.7720% | 1,098 |
| Core capital (leverage) ratio | 14.9244% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6337% | 579 |
| Memoranda: | ||
| Average total assets | $575,829,750 | 1,538 |
| Average earning assets | $552,190,750 | 1,487 |
| Average equity | $68,391,750 | 1,261 |
| Average total loans | $349,773,250 | 1,614 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 3,438 |
| Cost of funding earning assets | 1.2455% | 1,863 |
| Net interest margin | 2.8801% | 3,680 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.4167% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3446% | 1,464 |
| Return on assets (ROA) | 1.3519% | 1,433 |
| Pretax return on assets | 1.7324% | 1,146 |
| Return on Equity (ROE) | 11.3500% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.7260% | 2,373 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.1201% | 4,201 |
| Assets per employee ($millions) | 11.1997% | 486 |
| Cash dividends to net income (ytd only)* | 40.7454% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 724 |
| Loan loss allowance to noncurrent loans | 37,568.7500% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,864 |
| Noncurrent loans to loans | 0.0046% | 3,779 |
| Net loans and leases to total assets | 60.3200% | 2,744 |
| Net loans and leases to deposits | 70.2213% | 2,768 |
| Net loans and leases to core deposits | 76.4422% | 2,733 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 12.4867% | 929 |
| Core capital (leverage) ratio | 14.7848% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2050% | 615 |
| Memoranda: | ||
| Average total assets | $583,457,000 | 1,520 |
| Average earning assets | $559,277,000 | 1,462 |
| Average equity | $69,491,333 | 1,244 |
| Average total loans | $351,800,333 | 1,593 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,456 |
| Cost of funding earning assets | 1.0693% | 1,839 |
| Net interest margin | 2.9292% | 3,741 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.4159% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4231% | 1,345 |
| Return on assets (ROA) | 1.4044% | 1,370 |
| Pretax return on assets | 1.8012% | 1,064 |
| Return on Equity (ROE) | 12.0700% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.5226% | 1,577 |
| Net charge-offs to loans | -0.0011% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.6885% | 4,311 |
| Assets per employee ($millions) | 11.5424% | 450 |
| Cash dividends to net income (ytd only)* | 12.8502% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 869 |
| Loan loss allowance to noncurrent loans | 75,150.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,915 |
| Noncurrent loans to loans | 0.0022% | 3,850 |
| Net loans and leases to total assets | 59.9500% | 2,653 |
| Net loans and leases to deposits | 72.9405% | 2,388 |
| Net loans and leases to core deposits | 79.0213% | 2,315 |
| Total domestic deposits to total assets | 82.1900% | 3,455 |
| Equity capital to assets | 12.0429% | 986 |
| Core capital (leverage) ratio | 14.5447% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7085% | 685 |
| Memoranda: | ||
| Average total assets | $589,594,000 | 1,521 |
| Average earning assets | $566,708,500 | 1,473 |
| Average equity | $68,576,000 | 1,266 |
| Average total loans | $352,414,500 | 1,607 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 2,990 |
| Cost of funding earning assets | 0.3926% | 2,156 |
| Net interest margin | 3.1408% | 3,056 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.4760% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5384% | 798 |
| Return on assets (ROA) | 1.5458% | 760 |
| Pretax return on assets | 1.9822% | 496 |
| Return on Equity (ROE) | 12.8200% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.9890% | 2,250 |
| Net charge-offs to loans | 0.0269% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 129.4831% | 853 |
| Efficiency ratio | 42.7976% | 4,469 |
| Assets per employee ($millions) | 12.5643% | 340 |
| Cash dividends to net income (ytd only)* | 45.4928% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 753 |
| Loan loss allowance to noncurrent loans | 601,100.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,971 |
| Noncurrent loans to loans | 0.0003% | 3,910 |
| Net loans and leases to total assets | 57.5600% | 2,866 |
| Net loans and leases to deposits | 64.9627% | 2,953 |
| Net loans and leases to core deposits | 68.7976% | 2,956 |
| Total domestic deposits to total assets | 88.6000% | 1,845 |
| Equity capital to assets | 11.2205% | 1,174 |
| Core capital (leverage) ratio | 14.4074% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8288% | 641 |
| Memoranda: | ||
| Average total assets | $584,145,000 | 1,527 |
| Average earning assets | $560,852,800 | 1,474 |
| Average equity | $70,425,000 | 1,242 |
| Average total loans | $331,067,000 | 1,600 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4093% | 2,893 |
| Cost of funding earning assets | 0.3074% | 2,085 |
| Net interest margin | 3.1020% | 2,932 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.4087% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5272% | 790 |
| Return on assets (ROA) | 1.5357% | 747 |
| Pretax return on assets | 1.9690% | 494 |
| Return on Equity (ROE) | 12.5200% | 1,867 |
| Retained earnings to average equity (ytd only) | 8.5148% | 1,817 |
| Net charge-offs to loans | -0.0037% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.8394% | 4,527 |
| Assets per employee ($millions) | 10.8817% | 513 |
| Cash dividends to net income (ytd only)* | 31.9821% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 740 |
| Loan loss allowance to noncurrent loans | 1,125.0460% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 2,986 |
| Noncurrent loans to loans | 0.1593% | 2,811 |
| Net loans and leases to total assets | 59.1600% | 2,588 |
| Net loans and leases to deposits | 66.9878% | 2,634 |
| Net loans and leases to core deposits | 70.4043% | 2,614 |
| Total domestic deposits to total assets | 88.3200% | 2,325 |
| Equity capital to assets | 10.8508% | 1,229 |
| Core capital (leverage) ratio | 14.3351% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8971% | 652 |
| Memoranda: | ||
| Average total assets | $582,550,250 | 1,535 |
| Average earning assets | $559,160,750 | 1,486 |
| Average equity | $71,466,250 | 1,244 |
| Average total loans | $327,359,750 | 1,610 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 2,765 |
| Cost of funding earning assets | 0.2304% | 2,499 |
| Net interest margin | 3.0627% | 2,669 |
| Noninterest income to average assets | 0.4145% | 2,665 |
| Noninterest expense to average assets | 1.3657% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5473% | 625 |
| Return on assets (ROA) | 1.5599% | 594 |
| Pretax return on assets | 2.0030% | 377 |
| Return on Equity (ROE) | 12.2611% | 1,600 |
| Retained earnings to average equity (ytd only) | 6.5863% | 2,141 |
| Net charge-offs to loans | -0.0037% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7344% | 4,596 |
| Assets per employee ($millions) | 11.1733% | 468 |
| Cash dividends to net income (ytd only)* | 46.2830% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 797 |
| Loan loss allowance to noncurrent loans | 1,464.2686% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,243 |
| Noncurrent loans to loans | 0.1239% | 3,105 |
| Net loans and leases to total assets | 57.9840% | 2,539 |
| Net loans and leases to deposits | 67.0820% | 2,463 |
| Net loans and leases to core deposits | 70.3386% | 2,469 |
| Total domestic deposits to total assets | 86.4375% | 3,130 |
| Equity capital to assets | 11.6412% | 984 |
| Core capital (leverage) ratio | 13.9378% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9941% | 628 |
| Memoranda: | ||
| Average total assets | $588,118,000 | 1,527 |
| Average earning assets | $564,203,667 | 1,484 |
| Average equity | $74,822,000 | 1,231 |
| Average total loans | $322,853,000 | 1,623 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1588% | 2,803 |
| Cost of funding earning assets | 0.1721% | 3,193 |
| Net interest margin | 2.9867% | 2,541 |
| Noninterest income to average assets | 0.4059% | 2,646 |
| Noninterest expense to average assets | 1.3187% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5142% | 609 |
| Return on assets (ROA) | 1.5390% | 576 |
| Pretax return on assets | 1.9784% | 377 |
| Return on Equity (ROE) | 11.6259% | 1,417 |
| Retained earnings to average equity (ytd only) | 11.0188% | 785 |
| Net charge-offs to loans | -0.0025% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3815% | 4,636 |
| Assets per employee ($millions) | 11.2583% | 473 |
| Cash dividends to net income (ytd only)* | 5.2219% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 705 |
| Loan loss allowance to noncurrent loans | 1,481.0680% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,362 |
| Noncurrent loans to loans | 0.1301% | 3,163 |
| Net loans and leases to total assets | 53.0717% | 2,866 |
| Net loans and leases to deposits | 61.6553% | 2,745 |
| Net loans and leases to core deposits | 62.8178% | 2,911 |
| Total domestic deposits to total assets | 86.0781% | 3,230 |
| Equity capital to assets | 12.7037% | 758 |
| Core capital (leverage) ratio | 13.5875% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7161% | 586 |
| Memoranda: | ||
| Average total assets | $597,258,000 | 1,509 |
| Average earning assets | $571,870,500 | 1,472 |
| Average equity | $79,065,000 | 1,212 |
| Average total loans | $316,019,000 | 1,635 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0892% | 3,706 |
| Cost of funding earning assets | 0.1995% | 3,466 |
| Net interest margin | 2.8896% | 3,473 |
| Noninterest income to average assets | 0.6031% | 2,141 |
| Noninterest expense to average assets | 1.3986% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5507% | 912 |
| Return on assets (ROA) | 1.5511% | 943 |
| Pretax return on assets | 1.9931% | 608 |
| Return on Equity (ROE) | 11.2650% | 2,068 |
| Retained earnings to average equity (ytd only) | 6.2749% | 2,239 |
| Net charge-offs to loans | -0.0026% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2415% | 4,659 |
| Assets per employee ($millions) | 11.7132% | 428 |
| Cash dividends to net income (ytd only)* | 44.2976% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 680 |
| Loan loss allowance to noncurrent loans | 1,395.8810% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,459 |
| Noncurrent loans to loans | 0.1386% | 3,237 |
| Net loans and leases to total assets | 50.7545% | 3,195 |
| Net loans and leases to deposits | 59.5506% | 3,120 |
| Net loans and leases to core deposits | 60.7565% | 3,260 |
| Total domestic deposits to total assets | 85.2292% | 3,200 |
| Equity capital to assets | 13.7516% | 717 |
| Core capital (leverage) ratio | 13.3869% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5813% | 587 |
| Memoranda: | ||
| Average total assets | $595,239,600 | 1,461 |
| Average earning assets | $574,330,800 | 1,425 |
| Average equity | $81,961,800 | 1,181 |
| Average total loans | $307,899,200 | 1,672 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0573% | 3,896 |
| Cost of funding earning assets | 0.2073% | 3,540 |
| Net interest margin | 2.8500% | 3,658 |
| Noninterest income to average assets | 0.6500% | 2,008 |
| Noninterest expense to average assets | 1.3043% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6275% | 961 |
| Return on assets (ROA) | 1.6280% | 1,010 |
| Pretax return on assets | 2.0998% | 674 |
| Return on Equity (ROE) | 11.8196% | 2,105 |
| Retained earnings to average equity (ytd only) | 8.5858% | 1,845 |
| Net charge-offs to loans | -0.0022% | 3,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3225% | 4,760 |
| Assets per employee ($millions) | 11.9940% | 368 |
| Cash dividends to net income (ytd only)* | 27.3595% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 688 |
| Loan loss allowance to noncurrent loans | 1,395.1945% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,624 |
| Noncurrent loans to loans | 0.1401% | 3,411 |
| Net loans and leases to total assets | 50.9874% | 3,301 |
| Net loans and leases to deposits | 60.0995% | 3,217 |
| Net loans and leases to core deposits | 61.3005% | 3,381 |
| Total domestic deposits to total assets | 84.8383% | 3,171 |
| Equity capital to assets | 14.0298% | 733 |
| Core capital (leverage) ratio | 13.4011% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2967% | 583 |
| Memoranda: | ||
| Average total assets | $591,777,750 | 1,487 |
| Average earning assets | $571,728,000 | 1,443 |
| Average equity | $81,512,500 | 1,203 |
| Average total loans | $306,064,250 | 1,707 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 3,955 |
| Cost of funding earning assets | 0.2163% | 3,588 |
| Net interest margin | 2.8345% | 3,711 |
| Noninterest income to average assets | 0.6460% | 2,015 |
| Noninterest expense to average assets | 1.3158% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6053% | 1,037 |
| Return on assets (ROA) | 1.6061% | 1,095 |
| Pretax return on assets | 2.0722% | 716 |
| Return on Equity (ROE) | 11.7340% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.8306% | 2,493 |
| Net charge-offs to loans | -0.0026% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8494% | 4,781 |
| Assets per employee ($millions) | 11.8813% | 366 |
| Cash dividends to net income (ytd only)* | 41.7882% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 651 |
| Loan loss allowance to noncurrent loans | 1,401.3793% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,720 |
| Noncurrent loans to loans | 0.1402% | 3,497 |
| Net loans and leases to total assets | 51.2110% | 3,429 |
| Net loans and leases to deposits | 60.2125% | 3,377 |
| Net loans and leases to core deposits | 61.4275% | 3,513 |
| Total domestic deposits to total assets | 85.0504% | 3,075 |
| Equity capital to assets | 13.7485% | 764 |
| Core capital (leverage) ratio | 13.0336% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4141% | 580 |
| Memoranda: | ||
| Average total assets | $589,136,667 | 1,480 |
| Average earning assets | $569,697,333 | 1,444 |
| Average equity | $80,637,667 | 1,208 |
| Average total loans | $304,129,333 | 1,723 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0798% | 3,930 |
| Cost of funding earning assets | 0.2327% | 3,625 |
| Net interest margin | 2.8471% | 3,648 |
| Noninterest income to average assets | 0.6027% | 2,194 |
| Noninterest expense to average assets | 1.2286% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6418% | 1,036 |
| Return on assets (ROA) | 1.6418% | 1,089 |
| Pretax return on assets | 2.1272% | 768 |
| Return on Equity (ROE) | 12.0221% | 2,006 |
| Retained earnings to average equity (ytd only) | 11.9822% | 1,150 |
| Net charge-offs to loans | -0.0013% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6111% | 4,837 |
| Assets per employee ($millions) | 12.0795% | 340 |
| Cash dividends to net income (ytd only)* | 0.3322% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 563 |
| Loan loss allowance to noncurrent loans | 1,400.6897% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,856 |
| Noncurrent loans to loans | 0.1448% | 3,596 |
| Net loans and leases to total assets | 48.7239% | 3,741 |
| Net loans and leases to deposits | 56.8597% | 3,729 |
| Net loans and leases to core deposits | 58.1620% | 3,820 |
| Total domestic deposits to total assets | 85.6913% | 2,859 |
| Equity capital to assets | 13.2712% | 843 |
| Core capital (leverage) ratio | 13.3154% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2459% | 499 |
| Memoranda: | ||
| Average total assets | $586,673,000 | 1,479 |
| Average earning assets | $567,308,000 | 1,432 |
| Average equity | $80,119,000 | 1,208 |
| Average total loans | $301,033,000 | 1,741 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 3,698 |
| Cost of funding earning assets | 0.4099% | 3,522 |
| Net interest margin | 3.2400% | 3,245 |
| Noninterest income to average assets | 0.7164% | 1,806 |
| Noninterest expense to average assets | 1.6259% | 4,683 |
| Loan and lease loss provision to assets | 0.0881% | 3,262 |
| Net operating income to assets | 1.6643% | 548 |
| Return on assets (ROA) | 1.6643% | 592 |
| Pretax return on assets | 2.1451% | 334 |
| Return on Equity (ROE) | 11.0016% | 1,624 |
| Retained earnings to average equity (ytd only) | 5.6580% | 1,967 |
| Net charge-offs to loans | -0.0052% | 4,144 |
| Credit loss provision to net charge-offs | -2,812.5000% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1328% | 4,830 |
| Assets per employee ($millions) | 11.3874% | 367 |
| Cash dividends to net income (ytd only)* | 48.5714% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 561 |
| Loan loss allowance to noncurrent loans | 854.4180% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 3,659 |
| Noncurrent loans to loans | 0.2363% | 3,352 |
| Net loans and leases to total assets | 51.9171% | 3,670 |
| Net loans and leases to deposits | 61.0913% | 3,674 |
| Net loans and leases to core deposits | 62.6291% | 3,801 |
| Total domestic deposits to total assets | 84.9828% | 2,767 |
| Equity capital to assets | 14.0652% | 778 |
| Core capital (leverage) ratio | 13.7852% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4934% | 544 |
| Memoranda: | ||
| Average total assets | $511,030,600 | 1,516 |
| Average earning assets | $495,681,800 | 1,466 |
| Average equity | $77,307,000 | 1,191 |
| Average total loans | $307,614,400 | 1,655 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 3,606 |
| Cost of funding earning assets | 0.4555% | 3,496 |
| Net interest margin | 3.3303% | 3,097 |
| Noninterest income to average assets | 0.5712% | 2,300 |
| Noninterest expense to average assets | 1.4774% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8080% | 440 |
| Return on assets (ROA) | 1.8080% | 493 |
| Pretax return on assets | 2.3314% | 265 |
| Return on Equity (ROE) | 11.7157% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.8575% | 1,355 |
| Net charge-offs to loans | -0.0052% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7886% | 4,920 |
| Assets per employee ($millions) | 10.6236% | 420 |
| Cash dividends to net income (ytd only)* | 32.9323% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 823 |
| Loan loss allowance to noncurrent loans | 805.4286% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,766 |
| Noncurrent loans to loans | 0.2161% | 3,520 |
| Net loans and leases to total assets | 59.9080% | 3,240 |
| Net loans and leases to deposits | 71.5656% | 3,174 |
| Net loans and leases to core deposits | 73.3451% | 3,370 |
| Total domestic deposits to total assets | 83.7106% | 2,920 |
| Equity capital to assets | 15.0346% | 627 |
| Core capital (leverage) ratio | 14.1219% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9562% | 686 |
| Memoranda: | ||
| Average total assets | $496,446,000 | 1,540 |
| Average earning assets | $482,629,750 | 1,471 |
| Average equity | $76,613,000 | 1,190 |
| Average total loans | $309,095,000 | 1,647 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,668 |
| Cost of funding earning assets | 0.5138% | 3,449 |
| Net interest margin | 3.3685% | 3,195 |
| Noninterest income to average assets | 0.5655% | 2,279 |
| Noninterest expense to average assets | 1.5138% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8071% | 493 |
| Return on assets (ROA) | 1.8071% | 543 |
| Pretax return on assets | 2.3293% | 290 |
| Return on Equity (ROE) | 11.6006% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.9552% | 2,101 |
| Net charge-offs to loans | -0.0072% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3904% | 4,928 |
| Assets per employee ($millions) | 10.6269% | 427 |
| Cash dividends to net income (ytd only)* | 48.6647% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 829 |
| Loan loss allowance to noncurrent loans | 842.6009% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 3,901 |
| Noncurrent loans to loans | 0.2007% | 3,659 |
| Net loans and leases to total assets | 61.6845% | 3,156 |
| Net loans and leases to deposits | 73.4463% | 3,127 |
| Net loans and leases to core deposits | 75.2299% | 3,352 |
| Total domestic deposits to total assets | 83.9858% | 2,748 |
| Equity capital to assets | 14.5677% | 719 |
| Core capital (leverage) ratio | 14.2739% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0386% | 772 |
| Memoranda: | ||
| Average total assets | $484,867,667 | 1,543 |
| Average earning assets | $471,787,000 | 1,475 |
| Average equity | $75,530,333 | 1,199 |
| Average total loans | $304,174,000 | 1,653 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 3,609 |
| Cost of funding earning assets | 0.6294% | 3,277 |
| Net interest margin | 3.4383% | 3,190 |
| Noninterest income to average assets | 0.3977% | 3,121 |
| Noninterest expense to average assets | 1.6004% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6654% | 545 |
| Return on assets (ROA) | 1.6654% | 603 |
| Pretax return on assets | 2.1299% | 353 |
| Return on Equity (ROE) | 10.3066% | 1,640 |
| Retained earnings to average equity (ytd only) | 9.3038% | 895 |
| Net charge-offs to loans | -0.0124% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9036% | 4,916 |
| Assets per employee ($millions) | 9.0116% | 531 |
| Cash dividends to net income (ytd only)* | 9.7294% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 548 |
| Loan loss allowance to noncurrent loans | 828.6765% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,905 |
| Noncurrent loans to loans | 0.2358% | 3,642 |
| Net loans and leases to total assets | 61.5334% | 3,346 |
| Net loans and leases to deposits | 74.0106% | 3,273 |
| Net loans and leases to core deposits | 76.0047% | 3,491 |
| Total domestic deposits to total assets | 83.1413% | 3,066 |
| Equity capital to assets | 16.4966% | 507 |
| Core capital (leverage) ratio | 15.7450% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6366% | 591 |
| Memoranda: | ||
| Average total assets | $461,628,500 | 1,562 |
| Average earning assets | $447,431,500 | 1,500 |
| Average equity | $74,593,000 | 1,206 |
| Average total loans | $289,563,500 | 1,680 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 3,524 |
| Cost of funding earning assets | 0.7236% | 3,047 |
| Net interest margin | 3.5841% | 3,188 |
| Noninterest income to average assets | 0.4450% | 3,033 |
| Noninterest expense to average assets | 1.6596% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7696% | 559 |
| Return on assets (ROA) | 1.7759% | 587 |
| Pretax return on assets | 2.2650% | 333 |
| Return on Equity (ROE) | 11.2266% | 1,802 |
| Retained earnings to average equity (ytd only) | 6.1173% | 1,812 |
| Net charge-offs to loans | 0.0014% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2,523.0000% | 23 |
| Efficiency ratio | 42.3742% | 5,019 |
| Assets per employee ($millions) | 9.0915% | 489 |
| Cash dividends to net income (ytd only)* | 45.5106% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 516 |
| Loan loss allowance to noncurrent loans | 18,148.3871% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,646 |
| Noncurrent loans to loans | 0.0107% | 4,547 |
| Net loans and leases to total assets | 61.4805% | 3,452 |
| Net loans and leases to deposits | 73.2925% | 3,412 |
| Net loans and leases to core deposits | 75.2205% | 3,633 |
| Total domestic deposits to total assets | 83.8837% | 2,885 |
| Equity capital to assets | 15.8237% | 632 |
| Core capital (leverage) ratio | 15.6589% | 566 |
| Tier 1 risk-based capital ratio | 20.6471% | 1,231 |
| Total risk-based capital ratio | 21.9018% | 1,193 |
| Memoranda: | ||
| Average total assets | $447,142,800 | 1,567 |
| Average earning assets | $433,109,400 | 1,491 |
| Average equity | $70,733,800 | 1,213 |
| Average total loans | $285,711,600 | 1,665 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 3,483 |
| Cost of funding earning assets | 0.7307% | 3,063 |
| Net interest margin | 3.6289% | 3,178 |
| Noninterest income to average assets | 0.3795% | 3,438 |
| Noninterest expense to average assets | 1.5900% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8086% | 604 |
| Return on assets (ROA) | 1.8124% | 634 |
| Pretax return on assets | 2.3126% | 361 |
| Return on Equity (ROE) | 11.4579% | 1,818 |
| Retained earnings to average equity (ytd only) | 8.0369% | 1,374 |
| Net charge-offs to loans | 0.0038% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 958.1762% | 97 |
| Efficiency ratio | 40.7922% | 5,104 |
| Assets per employee ($millions) | 8.8538% | 513 |
| Cash dividends to net income (ytd only)* | 29.8572% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 489 |
| Loan loss allowance to noncurrent loans | 19,386.2069% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,713 |
| Noncurrent loans to loans | 0.0102% | 4,639 |
| Net loans and leases to total assets | 63.0004% | 3,388 |
| Net loans and leases to deposits | 75.8679% | 3,307 |
| Net loans and leases to core deposits | 78.2130% | 3,534 |
| Total domestic deposits to total assets | 83.0395% | 3,155 |
| Equity capital to assets | 16.6097% | 539 |
| Core capital (leverage) ratio | 16.0834% | 547 |
| Tier 1 risk-based capital ratio | 21.0465% | 1,190 |
| Total risk-based capital ratio | 22.3017% | 1,169 |
| Memoranda: | ||
| Average total assets | $443,012,000 | 1,583 |
| Average earning assets | $429,508,750 | 1,522 |
| Average equity | $70,075,000 | 1,218 |
| Average total loans | $284,467,000 | 1,685 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 3,505 |
| Cost of funding earning assets | 0.6946% | 3,197 |
| Net interest margin | 3.6506% | 3,098 |
| Noninterest income to average assets | 0.3611% | 3,515 |
| Noninterest expense to average assets | 1.5960% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8081% | 580 |
| Return on assets (ROA) | 1.8063% | 605 |
| Pretax return on assets | 2.3046% | 361 |
| Return on Equity (ROE) | 11.6128% | 1,734 |
| Retained earnings to average equity (ytd only) | 6.4245% | 2,090 |
| Net charge-offs to loans | -0.0021% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8928% | 5,145 |
| Assets per employee ($millions) | 8.7390% | 521 |
| Cash dividends to net income (ytd only)* | 44.6777% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 556 |
| Loan loss allowance to noncurrent loans | 3,657.7922% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 4,574 |
| Noncurrent loans to loans | 0.0521% | 4,451 |
| Net loans and leases to total assets | 66.4213% | 3,050 |
| Net loans and leases to deposits | 81.6063% | 2,774 |
| Net loans and leases to core deposits | 84.1477% | 3,094 |
| Total domestic deposits to total assets | 81.3923% | 3,694 |
| Equity capital to assets | 16.2660% | 573 |
| Core capital (leverage) ratio | 15.7465% | 579 |
| Tier 1 risk-based capital ratio | 19.8178% | 1,386 |
| Total risk-based capital ratio | 21.0725% | 1,355 |
| Memoranda: | ||
| Average total assets | $443,120,000 | 1,584 |
| Average earning assets | $429,898,000 | 1,528 |
| Average equity | $68,923,670 | 1,221 |
| Average total loans | $284,450,330 | 1,694 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 3,570 |
| Cost of funding earning assets | 0.6368% | 3,373 |
| Net interest margin | 3.6602% | 3,043 |
| Noninterest income to average assets | 0.3451% | 3,552 |
| Noninterest expense to average assets | 1.5795% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8028% | 582 |
| Return on assets (ROA) | 1.8028% | 598 |
| Pretax return on assets | 2.3057% | 359 |
| Return on Equity (ROE) | 11.8558% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.3547% | 739 |
| Net charge-offs to loans | -0.0014% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6553% | 5,195 |
| Assets per employee ($millions) | 8.7922% | 516 |
| Cash dividends to net income (ytd only)* | 4.2268% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 511 |
| Loan loss allowance to noncurrent loans | 511.4441% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,602 |
| Noncurrent loans to loans | 0.3893% | 3,191 |
| Net loans and leases to total assets | 63.0503% | 3,397 |
| Net loans and leases to deposits | 75.2082% | 3,333 |
| Net loans and leases to core deposits | 78.3993% | 3,488 |
| Total domestic deposits to total assets | 83.8343% | 3,106 |
| Equity capital to assets | 15.8124% | 605 |
| Core capital (leverage) ratio | 15.1927% | 661 |
| Tier 1 risk-based capital ratio | 20.2813% | 1,287 |
| Total risk-based capital ratio | 21.5365% | 1,257 |
| Memoranda: | ||
| Average total assets | $446,205,500 | 1,582 |
| Average earning assets | $431,563,500 | 1,531 |
| Average equity | $67,848,500 | 1,231 |
| Average total loans | $278,745,500 | 1,726 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,478 |
| Cost of funding earning assets | 0.4817% | 3,469 |
| Net interest margin | 3.7030% | 3,021 |
| Noninterest income to average assets | 0.3507% | 3,758 |
| Noninterest expense to average assets | 1.6896% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7753% | 589 |
| Return on assets (ROA) | 1.7766% | 584 |
| Pretax return on assets | 2.2454% | 323 |
| Return on Equity (ROE) | 11.7766% | 1,789 |
| Retained earnings to average equity (ytd only) | 6.9111% | 1,713 |
| Net charge-offs to loans | 0.0943% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 38.0359% | 1,359 |
| Efficiency ratio | 42.9553% | 5,211 |
| Assets per employee ($millions) | 9.4333% | 406 |
| Cash dividends to net income (ytd only)* | 41.3150% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 435 |
| Loan loss allowance to noncurrent loans | 500.8897% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 3,589 |
| Noncurrent loans to loans | 0.4092% | 3,068 |
| Net loans and leases to total assets | 59.4201% | 3,827 |
| Net loans and leases to deposits | 69.7926% | 3,844 |
| Net loans and leases to core deposits | 72.7824% | 3,934 |
| Total domestic deposits to total assets | 85.1380% | 2,592 |
| Equity capital to assets | 14.6166% | 805 |
| Core capital (leverage) ratio | 15.2766% | 631 |
| Tier 1 risk-based capital ratio | 20.0926% | 1,292 |
| Total risk-based capital ratio | 21.3481% | 1,266 |
| Memoranda: | ||
| Average total assets | $425,484,000 | 1,607 |
| Average earning assets | $411,664,800 | 1,554 |
| Average equity | $64,186,800 | 1,248 |
| Average total loans | $266,066,600 | 1,752 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 3,361 |
| Cost of funding earning assets | 0.4498% | 3,522 |
| Net interest margin | 3.7389% | 2,865 |
| Noninterest income to average assets | 0.3583% | 3,737 |
| Noninterest expense to average assets | 1.5927% | 5,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8810% | 509 |
| Return on assets (ROA) | 1.8828% | 508 |
| Pretax return on assets | 2.3917% | 285 |
| Return on Equity (ROE) | 12.3768% | 1,650 |
| Retained earnings to average equity (ytd only) | 9.4061% | 1,075 |
| Net charge-offs to loans | 0.0010% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3,746.7228% | 13 |
| Efficiency ratio | 39.9952% | 5,332 |
| Assets per employee ($millions) | 8.5603% | 520 |
| Cash dividends to net income (ytd only)* | 24.0020% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 393 |
| Loan loss allowance to noncurrent loans | 593.2392% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 3,764 |
| Noncurrent loans to loans | 0.3622% | 3,351 |
| Net loans and leases to total assets | 63.8182% | 3,448 |
| Net loans and leases to deposits | 75.8419% | 3,433 |
| Net loans and leases to core deposits | 80.1746% | 3,481 |
| Total domestic deposits to total assets | 84.1464% | 2,893 |
| Equity capital to assets | 15.5465% | 606 |
| Core capital (leverage) ratio | 15.5606% | 585 |
| Tier 1 risk-based capital ratio | 20.4840% | 1,250 |
| Total risk-based capital ratio | 21.6757% | 1,231 |
| Memoranda: | ||
| Average total assets | $418,655,000 | 1,638 |
| Average earning assets | $405,780,250 | 1,578 |
| Average equity | $63,687,500 | 1,254 |
| Average total loans | $263,912,250 | 1,770 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,412 |
| Cost of funding earning assets | 0.4125% | 3,624 |
| Net interest margin | 3.6979% | 2,932 |
| Noninterest income to average assets | 0.3542% | 3,795 |
| Noninterest expense to average assets | 1.5851% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8529% | 518 |
| Return on assets (ROA) | 1.8533% | 521 |
| Pretax return on assets | 2.3519% | 298 |
| Return on Equity (ROE) | 12.2729% | 1,628 |
| Retained earnings to average equity (ytd only) | 7.7810% | 1,715 |
| Net charge-offs to loans | 0.0031% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,229.7500% | 61 |
| Efficiency ratio | 40.2672% | 5,397 |
| Assets per employee ($millions) | 8.1595% | 593 |
| Cash dividends to net income (ytd only)* | 36.6005% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1596% | 403 |
| Loan loss allowance to noncurrent loans | 806.1728% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 3,782 |
| Noncurrent loans to loans | 0.2679% | 3,752 |
| Net loans and leases to total assets | 63.9842% | 3,401 |
| Net loans and leases to deposits | 75.8184% | 3,355 |
| Net loans and leases to core deposits | 78.9720% | 3,501 |
| Total domestic deposits to total assets | 84.3914% | 2,916 |
| Equity capital to assets | 15.3245% | 626 |
| Core capital (leverage) ratio | 15.8171% | 531 |
| Tier 1 risk-based capital ratio | 20.8959% | 1,198 |
| Total risk-based capital ratio | 22.1110% | 1,172 |
| Memoranda: | ||
| Average total assets | $418,387,670 | 1,645 |
| Average earning assets | $405,311,330 | 1,591 |
| Average equity | $63,179,670 | 1,266 |
| Average total loans | $260,693,330 | 1,787 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 3,896 |
| Cost of funding earning assets | 0.3768% | 3,759 |
| Net interest margin | 3.5349% | 3,406 |
| Noninterest income to average assets | 0.3690% | 3,668 |
| Noninterest expense to average assets | 1.5628% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7642% | 602 |
| Return on assets (ROA) | 1.7649% | 609 |
| Pretax return on assets | 2.2331% | 355 |
| Return on Equity (ROE) | 11.7741% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.3924% | 804 |
| Net charge-offs to loans | 0.0126% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 292.6250% | 234 |
| Efficiency ratio | 41.1809% | 5,428 |
| Assets per employee ($millions) | 8.2552% | 573 |
| Cash dividends to net income (ytd only)* | 3.2415% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2443% | 359 |
| Loan loss allowance to noncurrent loans | 685.2975% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 3,778 |
| Noncurrent loans to loans | 0.3275% | 3,595 |
| Net loans and leases to total assets | 60.7623% | 3,672 |
| Net loans and leases to deposits | 71.7903% | 3,631 |
| Net loans and leases to core deposits | 74.6876% | 3,768 |
| Total domestic deposits to total assets | 84.6385% | 3,056 |
| Equity capital to assets | 15.0406% | 663 |
| Core capital (leverage) ratio | 15.8930% | 503 |
| Tier 1 risk-based capital ratio | 20.8552% | 1,225 |
| Total risk-based capital ratio | 22.1138% | 1,201 |
| Memoranda: | ||
| Average total assets | $419,513,000 | 1,653 |
| Average earning assets | $406,579,000 | 1,597 |
| Average equity | $62,884,000 | 1,277 |
| Average total loans | $254,970,500 | 1,827 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 3,742 |
| Cost of funding earning assets | 0.2978% | 4,165 |
| Net interest margin | 3.5964% | 3,181 |
| Noninterest income to average assets | 0.3844% | 3,734 |
| Noninterest expense to average assets | 1.5875% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5278% | 757 |
| Return on assets (ROA) | 1.5218% | 774 |
| Pretax return on assets | 2.2869% | 272 |
| Return on Equity (ROE) | 10.0798% | 1,851 |
| Retained earnings to average equity (ytd only) | 5.3111% | 1,924 |
| Net charge-offs to loans | -0.0028% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8813% | 5,514 |
| Assets per employee ($millions) | 8.1963% | 596 |
| Cash dividends to net income (ytd only)* | 47.3099% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 291 |
| Loan loss allowance to noncurrent loans | 465.2690% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,661 |
| Noncurrent loans to loans | 0.5092% | 2,990 |
| Net loans and leases to total assets | 57.9815% | 4,007 |
| Net loans and leases to deposits | 68.3634% | 4,000 |
| Net loans and leases to core deposits | 71.1100% | 4,105 |
| Total domestic deposits to total assets | 84.8136% | 2,906 |
| Equity capital to assets | 14.9385% | 691 |
| Core capital (leverage) ratio | 14.7944% | 663 |
| Tier 1 risk-based capital ratio | 21.1060% | 1,132 |
| Total risk-based capital ratio | 22.3646% | 1,104 |
| Memoranda: | ||
| Average total assets | $407,925,200 | 1,674 |
| Average earning assets | $396,869,800 | 1,604 |
| Average equity | $61,588,400 | 1,286 |
| Average total loans | $247,219,400 | 1,833 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 3,742 |
| Cost of funding earning assets | 0.2880% | 4,242 |
| Net interest margin | 3.5915% | 3,185 |
| Noninterest income to average assets | 0.4019% | 3,671 |
| Noninterest expense to average assets | 1.5753% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6239% | 674 |
| Return on assets (ROA) | 1.6250% | 696 |
| Pretax return on assets | 2.3107% | 292 |
| Return on Equity (ROE) | 10.7339% | 1,809 |
| Retained earnings to average equity (ytd only) | 7.2059% | 1,585 |
| Net charge-offs to loans | -0.0270% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5554% | 5,569 |
| Assets per employee ($millions) | 8.1155% | 606 |
| Cash dividends to net income (ytd only)* | 32.8678% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 306 |
| Loan loss allowance to noncurrent loans | 1,542.7083% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 4,750 |
| Noncurrent loans to loans | 0.1546% | 4,442 |
| Net loans and leases to total assets | 58.5784% | 4,010 |
| Net loans and leases to deposits | 69.4493% | 4,007 |
| Net loans and leases to core deposits | 71.9666% | 4,131 |
| Total domestic deposits to total assets | 84.3470% | 2,979 |
| Equity capital to assets | 15.3092% | 673 |
| Core capital (leverage) ratio | 15.0976% | 643 |
| Tier 1 risk-based capital ratio | 22.6628% | 976 |
| Total risk-based capital ratio | 23.9243% | 958 |
| Memoranda: | ||
| Average total assets | $405,403,250 | 1,695 |
| Average earning assets | $393,101,250 | 1,630 |
| Average equity | $61,374,250 | 1,293 |
| Average total loans | $246,961,500 | 1,843 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,680 |
| Cost of funding earning assets | 0.2684% | 4,384 |
| Net interest margin | 3.5924% | 3,070 |
| Noninterest income to average assets | 0.4178% | 3,577 |
| Noninterest expense to average assets | 1.5913% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6197% | 666 |
| Return on assets (ROA) | 1.6211% | 689 |
| Pretax return on assets | 2.3126% | 289 |
| Return on Equity (ROE) | 10.7492% | 1,737 |
| Retained earnings to average equity (ytd only) | 5.4982% | 2,406 |
| Net charge-offs to loans | 0.0008% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4,651.0000% | 5 |
| Efficiency ratio | 40.7818% | 5,606 |
| Assets per employee ($millions) | 7.8920% | 643 |
| Cash dividends to net income (ytd only)* | 48.8508% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3679% | 342 |
| Loan loss allowance to noncurrent loans | 695.8531% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 4,298 |
| Noncurrent loans to loans | 0.3403% | 3,826 |
| Net loans and leases to total assets | 60.1624% | 3,831 |
| Net loans and leases to deposits | 71.3281% | 3,798 |
| Net loans and leases to core deposits | 73.7906% | 3,957 |
| Total domestic deposits to total assets | 84.3460% | 3,068 |
| Equity capital to assets | 15.3869% | 636 |
| Core capital (leverage) ratio | 15.1149% | 604 |
| Tier 1 risk-based capital ratio | 25.9190% | 681 |
| Total risk-based capital ratio | 27.1847% | 665 |
| Memoranda: | ||
| Average total assets | $402,575,000 | 1,707 |
| Average earning assets | $390,440,670 | 1,640 |
| Average equity | $60,711,330 | 1,310 |
| Average total loans | $246,491,000 | 1,846 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 3,711 |
| Cost of funding earning assets | 0.2463% | 4,566 |
| Net interest margin | 3.5695% | 3,008 |
| Noninterest income to average assets | 0.4540% | 3,287 |
| Noninterest expense to average assets | 1.6025% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6234% | 646 |
| Return on assets (ROA) | 1.6234% | 665 |
| Pretax return on assets | 2.3069% | 295 |
| Return on Equity (ROE) | 10.8749% | 1,612 |
| Retained earnings to average equity (ytd only) | 10.8749% | 629 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9911% | 5,672 |
| Assets per employee ($millions) | 7.9806% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3698% | 367 |
| Loan loss allowance to noncurrent loans | 478.3388% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,938 |
| Noncurrent loans to loans | 0.4954% | 3,317 |
| Net loans and leases to total assets | 60.6452% | 3,711 |
| Net loans and leases to deposits | 71.9128% | 3,616 |
| Net loans and leases to core deposits | 74.3937% | 3,798 |
| Total domestic deposits to total assets | 84.3315% | 3,352 |
| Equity capital to assets | 15.3291% | 588 |
| Core capital (leverage) ratio | 14.9861% | 606 |
| Tier 1 risk-based capital ratio | 22.4188% | 1,042 |
| Total risk-based capital ratio | 23.6812% | 1,025 |
| Memoranda: | ||
| Average total assets | $402,616,500 | 1,721 |
| Average earning assets | $389,750,000 | 1,659 |
| Average equity | $60,101,500 | 1,317 |
| Average total loans | $245,725,500 | 1,858 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,753 |
| Cost of funding earning assets | 0.2444% | 4,616 |
| Net interest margin | 3.6023% | 3,060 |
| Noninterest income to average assets | 0.3730% | 4,080 |
| Noninterest expense to average assets | 1.6586% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5562% | 754 |
| Return on assets (ROA) | 1.5847% | 732 |
| Pretax return on assets | 2.2317% | 308 |
| Return on Equity (ROE) | 10.2721% | 1,855 |
| Retained earnings to average equity (ytd only) | 3.0656% | 3,716 |
| Net charge-offs to loans | -0.0047% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0781% | 5,722 |
| Assets per employee ($millions) | 8.2898% | 537 |
| Cash dividends to net income (ytd only)* | 70.1565% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4115% | 350 |
| Loan loss allowance to noncurrent loans | 13,053.3333% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,327 |
| Noncurrent loans to loans | 0.0185% | 5,204 |
| Net loans and leases to total assets | 58.5201% | 4,021 |
| Net loans and leases to deposits | 68.6368% | 4,035 |
| Net loans and leases to core deposits | 70.8436% | 4,164 |
| Total domestic deposits to total assets | 85.2605% | 2,940 |
| Equity capital to assets | 14.5334% | 721 |
| Core capital (leverage) ratio | 14.9832% | 603 |
| Tier 1 risk-based capital ratio | 19.3893% | 1,507 |
| Total risk-based capital ratio | 20.6483% | 1,465 |
| Memoranda: | ||
| Average total assets | $391,180,200 | 1,717 |
| Average earning assets | $377,590,200 | 1,649 |
| Average equity | $60,348,000 | 1,285 |
| Average total loans | $234,846,600 | 1,869 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8538% | 3,756 |
| Cost of funding earning assets | 0.2470% | 4,627 |
| Net interest margin | 3.6068% | 3,046 |
| Noninterest income to average assets | 0.3758% | 4,094 |
| Noninterest expense to average assets | 1.6195% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5876% | 750 |
| Return on assets (ROA) | 1.6240% | 736 |
| Pretax return on assets | 2.2903% | 325 |
| Return on Equity (ROE) | 10.3695% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.2185% | 1,518 |
| Net charge-offs to loans | -0.0057% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9729% | 5,786 |
| Assets per employee ($millions) | 7.9451% | 604 |
| Cash dividends to net income (ytd only)* | 30.3878% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4270% | 361 |
| Loan loss allowance to noncurrent loans | 13,658.1395% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,341 |
| Noncurrent loans to loans | 0.0178% | 5,323 |
| Net loans and leases to total assets | 61.9114% | 3,646 |
| Net loans and leases to deposits | 76.8431% | 3,303 |
| Net loans and leases to core deposits | 79.7781% | 3,467 |
| Total domestic deposits to total assets | 80.5685% | 4,365 |
| Equity capital to assets | 16.4511% | 495 |
| Core capital (leverage) ratio | 15.6546% | 535 |
| Tier 1 risk-based capital ratio | 20.9712% | 1,276 |
| Total risk-based capital ratio | 22.2315% | 1,257 |
| Memoranda: | ||
| Average total assets | $387,424,750 | 1,733 |
| Average earning assets | $374,094,750 | 1,664 |
| Average equity | $60,676,250 | 1,289 |
| Average total loans | $232,662,250 | 1,888 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 3,968 |
| Cost of funding earning assets | 0.2443% | 4,713 |
| Net interest margin | 3.5516% | 3,291 |
| Noninterest income to average assets | 0.3677% | 4,119 |
| Noninterest expense to average assets | 1.6167% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5439% | 819 |
| Return on assets (ROA) | 1.5884% | 788 |
| Pretax return on assets | 2.2329% | 351 |
| Return on Equity (ROE) | 10.3119% | 1,917 |
| Retained earnings to average equity (ytd only) | 5.5977% | 2,363 |
| Net charge-offs to loans | -0.0052% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6905% | 5,851 |
| Assets per employee ($millions) | 8.0093% | 561 |
| Cash dividends to net income (ytd only)* | 45.7161% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4640% | 379 |
| Loan loss allowance to noncurrent loans | 11,286.5385% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 5,426 |
| Noncurrent loans to loans | 0.0218% | 5,385 |
| Net loans and leases to total assets | 60.4312% | 3,825 |
| Net loans and leases to deposits | 74.1647% | 3,575 |
| Net loans and leases to core deposits | 77.2051% | 3,721 |
| Total domestic deposits to total assets | 81.4823% | 4,143 |
| Equity capital to assets | 15.9300% | 558 |
| Core capital (leverage) ratio | 15.1616% | 582 |
| Tier 1 risk-based capital ratio | 20.0754% | 1,448 |
| Total risk-based capital ratio | 21.3350% | 1,407 |
| Memoranda: | ||
| Average total assets | $389,444,330 | 1,729 |
| Average earning assets | $374,925,000 | 1,664 |
| Average equity | $59,988,670 | 1,298 |
| Average total loans | $229,555,670 | 1,916 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,152 |
| Cost of funding earning assets | 0.2426% | 4,777 |
| Net interest margin | 3.5034% | 3,467 |
| Noninterest income to average assets | 0.3378% | 4,318 |
| Noninterest expense to average assets | 1.5890% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5131% | 833 |
| Return on assets (ROA) | 1.5227% | 863 |
| Pretax return on assets | 2.1227% | 440 |
| Return on Equity (ROE) | 10.0536% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.6358% | 945 |
| Net charge-offs to loans | -0.0036% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9636% | 5,894 |
| Assets per employee ($millions) | 8.1169% | 543 |
| Cash dividends to net income (ytd only)* | 4.1555% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6127% | 346 |
| Loan loss allowance to noncurrent loans | 11,730.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,481 |
| Noncurrent loans to loans | 0.0223% | 5,414 |
| Net loans and leases to total assets | 56.1102% | 4,246 |
| Net loans and leases to deposits | 66.5824% | 4,199 |
| Net loans and leases to core deposits | 69.1327% | 4,303 |
| Total domestic deposits to total assets | 84.2718% | 3,410 |
| Equity capital to assets | 15.4697% | 604 |
| Core capital (leverage) ratio | 14.8699% | 625 |
| Tier 1 risk-based capital ratio | 20.6654% | 1,371 |
| Total risk-based capital ratio | 21.9261% | 1,341 |
| Memoranda: | ||
| Average total assets | $391,944,500 | 1,723 |
| Average earning assets | $375,979,500 | 1,658 |
| Average equity | $59,362,000 | 1,305 |
| Average total loans | $225,237,000 | 1,946 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,093 |
| Cost of funding earning assets | 0.2432% | 4,852 |
| Net interest margin | 3.5406% | 3,372 |
| Noninterest income to average assets | 0.3917% | 4,094 |
| Noninterest expense to average assets | 1.5998% | 5,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5918% | 717 |
| Return on assets (ROA) | 1.5948% | 736 |
| Pretax return on assets | 2.2280% | 326 |
| Return on Equity (ROE) | 10.5968% | 1,757 |
| Retained earnings to average equity (ytd only) | 5.5810% | 2,029 |
| Net charge-offs to loans | 0.0231% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 165.5490% | 391 |
| Efficiency ratio | 41.8406% | 6,028 |
| Assets per employee ($millions) | 8.2141% | 512 |
| Cash dividends to net income (ytd only)* | 47.3328% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5943% | 357 |
| Loan loss allowance to noncurrent loans | 8,883.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,517 |
| Noncurrent loans to loans | 0.0292% | 5,395 |
| Net loans and leases to total assets | 55.8323% | 4,309 |
| Net loans and leases to deposits | 65.7044% | 4,339 |
| Net loans and leases to core deposits | 68.2104% | 4,434 |
| Total domestic deposits to total assets | 84.9750% | 3,103 |
| Equity capital to assets | 14.8251% | 702 |
| Core capital (leverage) ratio | 14.8597% | 643 |
| Tier 1 risk-based capital ratio | 20.0402% | 1,477 |
| Total risk-based capital ratio | 21.3002% | 1,450 |
| Memoranda: | ||
| Average total assets | $379,673,200 | 1,730 |
| Average earning assets | $368,016,600 | 1,650 |
| Average equity | $57,139,800 | 1,309 |
| Average total loans | $221,184,000 | 1,918 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 4,068 |
| Cost of funding earning assets | 0.2451% | 4,933 |
| Net interest margin | 3.5616% | 3,296 |
| Noninterest income to average assets | 0.3854% | 4,183 |
| Noninterest expense to average assets | 1.5594% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6277% | 723 |
| Return on assets (ROA) | 1.6282% | 747 |
| Pretax return on assets | 2.2792% | 350 |
| Return on Equity (ROE) | 10.7768% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.8364% | 1,768 |
| Net charge-offs to loans | 0.0061% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 642.7449% | 115 |
| Efficiency ratio | 40.6319% | 6,115 |
| Assets per employee ($millions) | 7.7691% | 598 |
| Cash dividends to net income (ytd only)* | 36.5636% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6288% | 366 |
| Loan loss allowance to noncurrent loans | 1,736.4706% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 5,345 |
| Noncurrent loans to loans | 0.1514% | 5,032 |
| Net loans and leases to total assets | 58.6409% | 4,062 |
| Net loans and leases to deposits | 69.9085% | 3,996 |
| Net loans and leases to core deposits | 72.7740% | 4,118 |
| Total domestic deposits to total assets | 83.8823% | 3,478 |
| Equity capital to assets | 15.5616% | 638 |
| Core capital (leverage) ratio | 15.0636% | 626 |
| Tier 1 risk-based capital ratio | 20.2209% | 1,501 |
| Total risk-based capital ratio | 21.4820% | 1,465 |
| Memoranda: | ||
| Average total assets | $376,022,250 | 1,758 |
| Average earning assets | $364,503,750 | 1,676 |
| Average equity | $56,811,750 | 1,326 |
| Average total loans | $219,980,750 | 1,931 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,151 |
| Cost of funding earning assets | 0.2444% | 5,001 |
| Net interest margin | 3.5308% | 3,375 |
| Noninterest income to average assets | 0.3846% | 4,199 |
| Noninterest expense to average assets | 1.5467% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6154% | 723 |
| Return on assets (ROA) | 1.6162% | 754 |
| Pretax return on assets | 2.2639% | 367 |
| Return on Equity (ROE) | 10.8040% | 1,748 |
| Retained earnings to average equity (ytd only) | 6.2689% | 2,079 |
| Net charge-offs to loans | 0.0137% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 284.4000% | 240 |
| Efficiency ratio | 40.6015% | 6,197 |
| Assets per employee ($millions) | 7.8639% | 558 |
| Cash dividends to net income (ytd only)* | 41.9757% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5790% | 443 |
| Loan loss allowance to noncurrent loans | 1,719.8251% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 5,466 |
| Noncurrent loans to loans | 0.1500% | 5,149 |
| Net loans and leases to total assets | 60.2903% | 3,788 |
| Net loans and leases to deposits | 71.3610% | 3,779 |
| Net loans and leases to core deposits | 74.2767% | 3,938 |
| Total domestic deposits to total assets | 84.4864% | 3,354 |
| Equity capital to assets | 15.2579% | 655 |
| Core capital (leverage) ratio | 14.4960% | 714 |
| Tier 1 risk-based capital ratio | 19.4666% | 1,677 |
| Total risk-based capital ratio | 20.7268% | 1,645 |
| Memoranda: | ||
| Average total assets | $377,056,670 | 1,764 |
| Average earning assets | $365,754,330 | 1,679 |
| Average equity | $56,405,000 | 1,346 |
| Average total loans | $218,445,330 | 1,952 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,359 |
| Cost of funding earning assets | 0.2457% | 5,068 |
| Net interest margin | 3.4549% | 3,610 |
| Noninterest income to average assets | 0.3372% | 4,496 |
| Noninterest expense to average assets | 1.4770% | 6,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5801% | 733 |
| Return on assets (ROA) | 1.5831% | 766 |
| Pretax return on assets | 2.2175% | 373 |
| Return on Equity (ROE) | 10.6860% | 1,735 |
| Retained earnings to average equity (ytd only) | 10.0052% | 928 |
| Net charge-offs to loans | -0.0056% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0228% | 6,267 |
| Assets per employee ($millions) | 7.8605% | 578 |
| Cash dividends to net income (ytd only)* | 6.3703% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 391 |
| Loan loss allowance to noncurrent loans | 858.9260% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 5,188 |
| Noncurrent loans to loans | 0.3181% | 4,654 |
| Net loans and leases to total assets | 55.8463% | 4,220 |
| Net loans and leases to deposits | 66.0232% | 4,150 |
| Net loans and leases to core deposits | 68.7349% | 4,264 |
| Total domestic deposits to total assets | 84.5859% | 3,588 |
| Equity capital to assets | 15.2057% | 682 |
| Core capital (leverage) ratio | 14.4014% | 715 |
| Tier 1 risk-based capital ratio | 20.2248% | 1,568 |
| Total risk-based capital ratio | 21.4577% | 1,542 |
| Memoranda: | ||
| Average total assets | $380,782,500 | 1,752 |
| Average earning assets | $369,562,000 | 1,674 |
| Average equity | $56,410,500 | 1,350 |
| Average total loans | $213,300,500 | 1,993 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,971 |
| Cost of funding earning assets | 0.2610% | 5,212 |
| Net interest margin | 3.6786% | 3,088 |
| Noninterest income to average assets | 0.3747% | 4,387 |
| Noninterest expense to average assets | 1.6696% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6167% | 686 |
| Return on assets (ROA) | 1.6207% | 714 |
| Pretax return on assets | 2.2714% | 281 |
| Return on Equity (ROE) | 10.8070% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.6055% | 1,593 |
| Net charge-offs to loans | -0.4832% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4253% | 6,359 |
| Assets per employee ($millions) | 8.0054% | 536 |
| Cash dividends to net income (ytd only)* | 38.8773% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8166% | 366 |
| Loan loss allowance to noncurrent loans | 568.1076% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 4,915 |
| Noncurrent loans to loans | 0.4958% | 4,171 |
| Net loans and leases to total assets | 53.1041% | 4,676 |
| Net loans and leases to deposits | 62.1490% | 4,713 |
| Net loans and leases to core deposits | 64.6836% | 4,780 |
| Total domestic deposits to total assets | 85.4466% | 3,105 |
| Equity capital to assets | 14.4301% | 832 |
| Core capital (leverage) ratio | 14.8338% | 640 |
| Tier 1 risk-based capital ratio | 20.5877% | 1,495 |
| Total risk-based capital ratio | 21.7799% | 1,477 |
| Memoranda: | ||
| Average total assets | $353,926,400 | 1,844 |
| Average earning assets | $342,574,600 | 1,749 |
| Average equity | $53,076,800 | 1,378 |
| Average total loans | $200,754,400 | 2,028 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,566 |
| Cost of funding earning assets | 0.2676% | 5,231 |
| Net interest margin | 3.7805% | 2,688 |
| Noninterest income to average assets | 0.3846% | 4,359 |
| Noninterest expense to average assets | 1.5968% | 6,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7282% | 583 |
| Return on assets (ROA) | 1.7312% | 597 |
| Pretax return on assets | 2.4515% | 230 |
| Return on Equity (ROE) | 11.4242% | 1,653 |
| Retained earnings to average equity (ytd only) | 8.6983% | 1,097 |
| Net charge-offs to loans | -0.6705% | 6,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4860% | 6,460 |
| Assets per employee ($millions) | 7.3580% | 686 |
| Cash dividends to net income (ytd only)* | 23.8603% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8456% | 422 |
| Loan loss allowance to noncurrent loans | 547.1455% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 4,978 |
| Noncurrent loans to loans | 0.5201% | 4,377 |
| Net loans and leases to total assets | 58.6622% | 3,983 |
| Net loans and leases to deposits | 69.9832% | 3,918 |
| Net loans and leases to core deposits | 73.3392% | 4,015 |
| Total domestic deposits to total assets | 83.8233% | 3,827 |
| Equity capital to assets | 15.9466% | 575 |
| Core capital (leverage) ratio | 15.3694% | 569 |
| Tier 1 risk-based capital ratio | 21.0912% | 1,435 |
| Total risk-based capital ratio | 22.3252% | 1,415 |
| Memoranda: | ||
| Average total assets | $346,343,000 | 1,886 |
| Average earning assets | $335,255,500 | 1,802 |
| Average equity | $52,483,750 | 1,399 |
| Average total loans | $198,450,000 | 2,061 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,399 |
| Cost of funding earning assets | 0.2685% | 5,299 |
| Net interest margin | 3.8180% | 2,496 |
| Noninterest income to average assets | 0.3850% | 4,366 |
| Noninterest expense to average assets | 1.5780% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7521% | 532 |
| Return on assets (ROA) | 1.7558% | 554 |
| Pretax return on assets | 2.5049% | 206 |
| Return on Equity (ROE) | 11.7916% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.7177% | 1,424 |
| Net charge-offs to loans | -0.9733% | 6,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6978% | 6,546 |
| Assets per employee ($millions) | 7.1965% | 732 |
| Cash dividends to net income (ytd only)* | 34.5496% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8794% | 443 |
| Loan loss allowance to noncurrent loans | 544.1367% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 5,085 |
| Noncurrent loans to loans | 0.5292% | 4,426 |
| Net loans and leases to total assets | 57.5418% | 4,046 |
| Net loans and leases to deposits | 68.2443% | 4,024 |
| Net loans and leases to core deposits | 71.2963% | 4,121 |
| Total domestic deposits to total assets | 84.3174% | 3,814 |
| Equity capital to assets | 15.4794% | 620 |
| Core capital (leverage) ratio | 14.9331% | 618 |
| Tier 1 risk-based capital ratio | 20.8761% | 1,468 |
| Total risk-based capital ratio | 22.0327% | 1,470 |
| Memoranda: | ||
| Average total assets | $346,516,000 | 1,884 |
| Average earning assets | $335,149,670 | 1,796 |
| Average equity | $51,596,000 | 1,411 |
| Average total loans | $194,996,670 | 2,089 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,613 |
| Cost of funding earning assets | 0.2698% | 5,387 |
| Net interest margin | 3.4972% | 3,707 |
| Noninterest income to average assets | 0.3884% | 4,287 |
| Noninterest expense to average assets | 1.5905% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5848% | 683 |
| Return on assets (ROA) | 1.5848% | 712 |
| Pretax return on assets | 2.1737% | 371 |
| Return on Equity (ROE) | 10.8570% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.7781% | 789 |
| Net charge-offs to loans | -0.0105% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2535% | 6,540 |
| Assets per employee ($millions) | 7.3845% | 669 |
| Cash dividends to net income (ytd only)* | 0.7273% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5235% | 794 |
| Loan loss allowance to noncurrent loans | 100.2228% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 2,451 |
| Noncurrent loans to loans | 2.5179% | 1,372 |
| Net loans and leases to total assets | 55.0808% | 4,273 |
| Net loans and leases to deposits | 64.8923% | 4,220 |
| Net loans and leases to core deposits | 67.5520% | 4,351 |
| Total domestic deposits to total assets | 84.8804% | 3,930 |
| Equity capital to assets | 14.9275% | 692 |
| Core capital (leverage) ratio | 14.6514% | 663 |
| Tier 1 risk-based capital ratio | 21.1284% | 1,450 |
| Total risk-based capital ratio | 22.3400% | 1,438 |
| Memoranda: | ||
| Average total assets | $347,057,000 | 1,889 |
| Average earning assets | $335,015,500 | 1,804 |
| Average equity | $50,658,500 | 1,431 |
| Average total loans | $190,164,000 | 2,133 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 4,639 |
| Cost of funding earning assets | 0.3127% | 5,494 |
| Net interest margin | 3.5332% | 3,748 |
| Noninterest income to average assets | 0.4808% | 3,881 |
| Noninterest expense to average assets | 1.7752% | 6,361 |
| Loan and lease loss provision to assets | 0.0682% | 3,768 |
| Net operating income to assets | 1.5177% | 788 |
| Return on assets (ROA) | 1.5177% | 828 |
| Pretax return on assets | 2.0430% | 435 |
| Return on Equity (ROE) | 10.0359% | 2,097 |
| Retained earnings to average equity (ytd only) | 5.9955% | 1,975 |
| Net charge-offs to loans | 0.0827% | 4,055 |
| Credit loss provision to net charge-offs | 152.0270% | 1,524 |
| Earnings coverage of net charge-offs (x) | 47.0878% | 832 |
| Efficiency ratio | 45.6778% | 6,572 |
| Assets per employee ($millions) | 7.0825% | 730 |
| Cash dividends to net income (ytd only)* | 40.2595% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 669 |
| Loan loss allowance to noncurrent loans | 99.4368% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 2,427 |
| Noncurrent loans to loans | 2.6991% | 1,355 |
| Net loans and leases to total assets | 51.6551% | 4,901 |
| Net loans and leases to deposits | 60.3208% | 4,914 |
| Net loans and leases to core deposits | 62.6630% | 5,005 |
| Total domestic deposits to total assets | 85.6340% | 3,440 |
| Equity capital to assets | 14.2657% | 839 |
| Core capital (leverage) ratio | 14.8423% | 623 |
| Tier 1 risk-based capital ratio | 21.3135% | 1,366 |
| Total risk-based capital ratio | 22.5267% | 1,351 |
| Memoranda: | ||
| Average total assets | $330,105,000 | 1,953 |
| Average earning assets | $318,185,600 | 1,872 |
| Average equity | $49,920,600 | 1,419 |
| Average total loans | $178,945,600 | 2,204 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 4,536 |
| Cost of funding earning assets | 0.3233% | 5,520 |
| Net interest margin | 3.5676% | 3,591 |
| Noninterest income to average assets | 0.5078% | 3,752 |
| Noninterest expense to average assets | 1.7049% | 6,464 |
| Loan and lease loss provision to assets | 0.0921% | 3,233 |
| Net operating income to assets | 1.5842% | 769 |
| Return on assets (ROA) | 1.5842% | 815 |
| Pretax return on assets | 2.1513% | 431 |
| Return on Equity (ROE) | 10.3202% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.6149% | 1,582 |
| Net charge-offs to loans | -0.0015% | 5,672 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1813% | 6,679 |
| Assets per employee ($millions) | 6.6574% | 868 |
| Cash dividends to net income (ytd only)* | 26.2138% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8167% | 664 |
| Loan loss allowance to noncurrent loans | 126.4085% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 2,955 |
| Noncurrent loans to loans | 2.2282% | 1,981 |
| Net loans and leases to total assets | 53.8679% | 4,632 |
| Net loans and leases to deposits | 64.0370% | 4,518 |
| Net loans and leases to core deposits | 66.7269% | 4,647 |
| Total domestic deposits to total assets | 84.1199% | 4,138 |
| Equity capital to assets | 15.2030% | 680 |
| Core capital (leverage) ratio | 15.0995% | 623 |
| Tier 1 risk-based capital ratio | 21.9804% | 1,321 |
| Total risk-based capital ratio | 23.1990% | 1,313 |
| Memoranda: | ||
| Average total assets | $325,870,750 | 1,986 |
| Average earning assets | $314,268,000 | 1,900 |
| Average equity | $50,023,750 | 1,427 |
| Average total loans | $177,629,750 | 2,226 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,483 |
| Cost of funding earning assets | 0.3324% | 5,546 |
| Net interest margin | 3.5664% | 3,494 |
| Noninterest income to average assets | 0.5384% | 3,577 |
| Noninterest expense to average assets | 1.6767% | 6,521 |
| Loan and lease loss provision to assets | 0.1381% | 2,602 |
| Net operating income to assets | 1.5895% | 759 |
| Return on assets (ROA) | 1.5895% | 830 |
| Pretax return on assets | 2.1624% | 448 |
| Return on Equity (ROE) | 10.3215% | 2,079 |
| Retained earnings to average equity (ytd only) | 6.3348% | 2,243 |
| Net charge-offs to loans | 0.0011% | 4,897 |
| Credit loss provision to net charge-offs | 22,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 3,747.0000% | 3 |
| Efficiency ratio | 42.1581% | 6,749 |
| Assets per employee ($millions) | 6.5459% | 881 |
| Cash dividends to net income (ytd only)* | 38.6250% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8199% | 693 |
| Loan loss allowance to noncurrent loans | 122.7986% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 2,891 |
| Noncurrent loans to loans | 2.2964% | 2,060 |
| Net loans and leases to total assets | 54.6882% | 4,495 |
| Net loans and leases to deposits | 65.0215% | 4,374 |
| Net loans and leases to core deposits | 67.7129% | 4,529 |
| Total domestic deposits to total assets | 84.1079% | 4,273 |
| Equity capital to assets | 15.3752% | 641 |
| Core capital (leverage) ratio | 14.6831% | 670 |
| Tier 1 risk-based capital ratio | 21.6790% | 1,357 |
| Total risk-based capital ratio | 22.9012% | 1,328 |
| Memoranda: | ||
| Average total assets | $325,756,670 | 1,994 |
| Average earning assets | $314,094,000 | 1,905 |
| Average equity | $50,167,000 | 1,425 |
| Average total loans | $176,567,330 | 2,237 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 4,606 |
| Cost of funding earning assets | 0.3430% | 5,617 |
| Net interest margin | 3.5197% | 3,620 |
| Noninterest income to average assets | 0.5691% | 3,311 |
| Noninterest expense to average assets | 1.6731% | 6,598 |
| Loan and lease loss provision to assets | 0.2742% | 1,288 |
| Net operating income to assets | 1.4878% | 884 |
| Return on assets (ROA) | 1.4878% | 962 |
| Pretax return on assets | 2.0106% | 579 |
| Return on Equity (ROE) | 9.6536% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.6536% | 1,197 |
| Net charge-offs to loans | -0.0137% | 5,559 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2722% | 6,831 |
| Assets per employee ($millions) | 7.0049% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 754 |
| Loan loss allowance to noncurrent loans | 134.7700% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 3,266 |
| Noncurrent loans to loans | 2.1298% | 2,464 |
| Net loans and leases to total assets | 52.3883% | 4,644 |
| Net loans and leases to deposits | 62.4478% | 4,483 |
| Net loans and leases to core deposits | 64.9792% | 4,653 |
| Total domestic deposits to total assets | 83.8914% | 4,523 |
| Equity capital to assets | 15.4966% | 637 |
| Core capital (leverage) ratio | 14.5246% | 664 |
| Tier 1 risk-based capital ratio | 21.6720% | 1,389 |
| Total risk-based capital ratio | 22.8806% | 1,375 |
| Memoranda: | ||
| Average total assets | $328,259,500 | 2,008 |
| Average earning assets | $316,046,000 | 1,918 |
| Average equity | $50,592,500 | 1,436 |
| Average total loans | $174,599,500 | 2,275 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 4,154 |
| Cost of funding earning assets | 0.4241% | 5,759 |
| Net interest margin | 3.8861% | 2,889 |
| Noninterest income to average assets | 0.6275% | 3,127 |
| Noninterest expense to average assets | 1.8802% | 6,516 |
| Loan and lease loss provision to assets | 0.3914% | 1,663 |
| Net operating income to assets | 1.5882% | 769 |
| Return on assets (ROA) | 1.5818% | 865 |
| Pretax return on assets | 2.0919% | 502 |
| Return on Equity (ROE) | 9.6160% | 2,353 |
| Retained earnings to average equity (ytd only) | 0.2895% | 5,712 |
| Net charge-offs to loans | 0.8229% | 1,418 |
| Credit loss provision to net charge-offs | 85.1064% | 3,663 |
| Earnings coverage of net charge-offs (x) | 5.4184% | 3,042 |
| Efficiency ratio | 43.0063% | 6,876 |
| Assets per employee ($millions) | 6.6794% | 907 |
| Cash dividends to net income (ytd only)* | 96.9897% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8353% | 795 |
| Loan loss allowance to noncurrent loans | 105.6678% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 2,983 |
| Noncurrent loans to loans | 2.6832% | 1,969 |
| Net loans and leases to total assets | 50.9513% | 5,044 |
| Net loans and leases to deposits | 60.5769% | 4,961 |
| Net loans and leases to core deposits | 63.0319% | 5,059 |
| Total domestic deposits to total assets | 84.1102% | 4,265 |
| Equity capital to assets | 15.3276% | 673 |
| Core capital (leverage) ratio | 14.7068% | 625 |
| Tier 1 risk-based capital ratio | 22.2735% | 1,220 |
| Total risk-based capital ratio | 23.4147% | 1,203 |
| Memoranda: | ||
| Average total assets | $306,616,200 | 2,098 |
| Average earning assets | $295,435,000 | 1,999 |
| Average equity | $50,437,000 | 1,402 |
| Average total loans | $171,343,400 | 2,297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 4,041 |
| Cost of funding earning assets | 0.4405% | 5,866 |
| Net interest margin | 3.9610% | 2,661 |
| Noninterest income to average assets | 0.6117% | 3,204 |
| Noninterest expense to average assets | 1.7630% | 6,722 |
| Loan and lease loss provision to assets | 0.3538% | 1,842 |
| Net operating income to assets | 1.7221% | 660 |
| Return on assets (ROA) | 1.7139% | 735 |
| Pretax return on assets | 2.3101% | 398 |
| Return on Equity (ROE) | 10.2298% | 2,239 |
| Retained earnings to average equity (ytd only) | 7.5608% | 1,817 |
| Net charge-offs to loans | 0.5776% | 1,892 |
| Credit loss provision to net charge-offs | 107.8167% | 2,726 |
| Earnings coverage of net charge-offs (x) | 8.1509% | 2,497 |
| Efficiency ratio | 39.7249% | 7,017 |
| Assets per employee ($millions) | 6.2150% | 1,113 |
| Cash dividends to net income (ytd only)* | 26.0904% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9835% | 724 |
| Loan loss allowance to noncurrent loans | 91.0607% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 2,750 |
| Noncurrent loans to loans | 3.2764% | 1,678 |
| Net loans and leases to total assets | 54.8200% | 4,617 |
| Net loans and leases to deposits | 66.7048% | 4,373 |
| Net loans and leases to core deposits | 69.6976% | 4,533 |
| Total domestic deposits to total assets | 82.1830% | 4,956 |
| Equity capital to assets | 17.2584% | 425 |
| Core capital (leverage) ratio | 16.1571% | 461 |
| Tier 1 risk-based capital ratio | 24.1817% | 999 |
| Total risk-based capital ratio | 25.4235% | 978 |
| Memoranda: | ||
| Average total assets | $301,447,500 | 2,150 |
| Average earning assets | $291,195,750 | 2,051 |
| Average equity | $50,504,750 | 1,414 |
| Average total loans | $171,273,000 | 2,328 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 4,051 |
| Cost of funding earning assets | 0.4556% | 5,934 |
| Net interest margin | 3.9774% | 2,604 |
| Noninterest income to average assets | 0.5772% | 3,395 |
| Noninterest expense to average assets | 1.7715% | 6,782 |
| Loan and lease loss provision to assets | 0.2996% | 2,188 |
| Net operating income to assets | 1.7199% | 648 |
| Return on assets (ROA) | 1.7296% | 715 |
| Pretax return on assets | 2.3607% | 372 |
| Return on Equity (ROE) | 10.4295% | 2,202 |
| Retained earnings to average equity (ytd only) | 6.3789% | 2,454 |
| Net charge-offs to loans | 0.0234% | 5,071 |
| Credit loss provision to net charge-offs | 2,250.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 198.8000% | 227 |
| Efficiency ratio | 40.0934% | 7,063 |
| Assets per employee ($millions) | 6.1500% | 1,136 |
| Cash dividends to net income (ytd only)* | 38.8376% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0926% | 719 |
| Loan loss allowance to noncurrent loans | 98.8332% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 2,875 |
| Noncurrent loans to loans | 3.1291% | 1,870 |
| Net loans and leases to total assets | 57.2524% | 4,287 |
| Net loans and leases to deposits | 69.3362% | 3,992 |
| Net loans and leases to core deposits | 71.9517% | 4,299 |
| Total domestic deposits to total assets | 82.5721% | 4,922 |
| Equity capital to assets | 16.8429% | 462 |
| Core capital (leverage) ratio | 15.8000% | 488 |
| Tier 1 risk-based capital ratio | 23.0357% | 1,128 |
| Total risk-based capital ratio | 24.2709% | 1,111 |
| Memoranda: | ||
| Average total assets | $300,418,330 | 2,150 |
| Average earning assets | $290,141,330 | 2,052 |
| Average equity | $49,820,330 | 1,427 |
| Average total loans | $171,004,000 | 2,336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 4,041 |
| Cost of funding earning assets | 0.4742% | 5,985 |
| Net interest margin | 3.9930% | 2,538 |
| Noninterest income to average assets | 0.5961% | 3,254 |
| Noninterest expense to average assets | 1.7003% | 6,902 |
| Loan and lease loss provision to assets | 0.3000% | 2,086 |
| Net operating income to assets | 1.7845% | 614 |
| Return on assets (ROA) | 1.7923% | 680 |
| Pretax return on assets | 2.4577% | 356 |
| Return on Equity (ROE) | 10.8931% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.6661% | 1,124 |
| Net charge-offs to loans | 0.0931% | 3,591 |
| Credit loss provision to net charge-offs | 576.9231% | 588 |
| Earnings coverage of net charge-offs (x) | 52.8205% | 612 |
| Efficiency ratio | 38.2309% | 7,148 |
| Assets per employee ($millions) | 6.2016% | 1,152 |
| Cash dividends to net income (ytd only)* | 2.0833% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0381% | 805 |
| Loan loss allowance to noncurrent loans | 188.8729% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 4,522 |
| Noncurrent loans to loans | 1.6085% | 3,703 |
| Net loans and leases to total assets | 55.2659% | 4,516 |
| Net loans and leases to deposits | 66.6610% | 4,281 |
| Net loans and leases to core deposits | 69.2523% | 4,532 |
| Total domestic deposits to total assets | 82.9060% | 4,967 |
| Equity capital to assets | 16.4533% | 504 |
| Core capital (leverage) ratio | 15.8329% | 487 |
| Tier 1 risk-based capital ratio | 23.1708% | 1,111 |
| Total risk-based capital ratio | 24.3456% | 1,101 |
| Memoranda: | ||
| Average total assets | $299,952,500 | 2,167 |
| Average earning assets | $289,305,500 | 2,067 |
| Average equity | $49,352,500 | 1,434 |
| Average total loans | $167,488,000 | 2,394 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 4,286 |
| Cost of funding earning assets | 0.5747% | 6,213 |
| Net interest margin | 4.1152% | 2,366 |
| Noninterest income to average assets | 0.5142% | 3,753 |
| Noninterest expense to average assets | 1.8594% | 6,874 |
| Loan and lease loss provision to assets | 0.3866% | 2,672 |
| Net operating income to assets | 1.6455% | 612 |
| Return on assets (ROA) | 1.6580% | 635 |
| Pretax return on assets | 2.2439% | 336 |
| Return on Equity (ROE) | 10.3053% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.4974% | 1,737 |
| Net charge-offs to loans | 0.1042% | 5,316 |
| Credit loss provision to net charge-offs | 658.6826% | 340 |
| Earnings coverage of net charge-offs (x) | 44.5269% | 617 |
| Efficiency ratio | 41.5684% | 7,178 |
| Assets per employee ($millions) | 6.0414% | 1,204 |
| Cash dividends to net income (ytd only)* | 36.9515% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1377% | 718 |
| Loan loss allowance to noncurrent loans | 179.6814% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0303% | 4,547 |
| Noncurrent loans to loans | 1.7463% | 3,535 |
| Net loans and leases to total assets | 52.9333% | 5,175 |
| Net loans and leases to deposits | 63.8152% | 5,038 |
| Net loans and leases to core deposits | 66.4728% | 5,207 |
| Total domestic deposits to total assets | 82.9478% | 4,771 |
| Equity capital to assets | 16.4536% | 520 |
| Core capital (leverage) ratio | 15.9132% | 472 |
| Tier 1 risk-based capital ratio | 23.5890% | 1,012 |
| Total risk-based capital ratio | 24.8555% | 996 |
| Memoranda: | ||
| Average total assets | $284,505,400 | 2,236 |
| Average earning assets | $273,693,400 | 2,140 |
| Average equity | $45,772,400 | 1,488 |
| Average total loans | $160,257,000 | 2,491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 4,307 |
| Cost of funding earning assets | 0.5958% | 6,296 |
| Net interest margin | 4.1368% | 2,324 |
| Noninterest income to average assets | 0.4744% | 4,089 |
| Noninterest expense to average assets | 1.8061% | 6,991 |
| Loan and lease loss provision to assets | 0.3196% | 2,979 |
| Net operating income to assets | 1.7092% | 611 |
| Return on assets (ROA) | 1.7223% | 651 |
| Pretax return on assets | 2.3473% | 336 |
| Return on Equity (ROE) | 10.7697% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.3837% | 1,359 |
| Net charge-offs to loans | 0.0542% | 5,426 |
| Credit loss provision to net charge-offs | 1,038.4615% | 256 |
| Earnings coverage of net charge-offs (x) | 86.0814% | 414 |
| Efficiency ratio | 40.5420% | 7,245 |
| Assets per employee ($millions) | 6.0467% | 1,174 |
| Cash dividends to net income (ytd only)* | 22.1550% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8703% | 959 |
| Loan loss allowance to noncurrent loans | 180.1061% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0040% | 4,745 |
| Noncurrent loans to loans | 1.5937% | 3,907 |
| Net loans and leases to total assets | 55.4151% | 4,934 |
| Net loans and leases to deposits | 67.3348% | 4,717 |
| Net loans and leases to core deposits | 70.2718% | 4,918 |
| Total domestic deposits to total assets | 82.2979% | 4,974 |
| Equity capital to assets | 16.7684% | 509 |
| Core capital (leverage) ratio | 16.3554% | 462 |
| Tier 1 risk-based capital ratio | 23.3903% | 1,091 |
| Total risk-based capital ratio | 24.6520% | 1,070 |
| Memoranda: | ||
| Average total assets | $281,625,000 | 2,262 |
| Average earning assets | $270,990,750 | 2,168 |
| Average equity | $45,038,750 | 1,510 |
| Average total loans | $159,878,000 | 2,515 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 4,264 |
| Cost of funding earning assets | 0.6242% | 6,342 |
| Net interest margin | 4.1318% | 2,302 |
| Noninterest income to average assets | 0.4764% | 4,055 |
| Noninterest expense to average assets | 1.8289% | 7,047 |
| Loan and lease loss provision to assets | 0.3229% | 2,853 |
| Net operating income to assets | 1.6873% | 617 |
| Return on assets (ROA) | 1.7011% | 648 |
| Pretax return on assets | 2.3139% | 341 |
| Return on Equity (ROE) | 10.8194% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.2327% | 1,773 |
| Net charge-offs to loans | 0.0975% | 4,705 |
| Credit loss provision to net charge-offs | 584.4156% | 532 |
| Earnings coverage of net charge-offs (x) | 47.3896% | 652 |
| Efficiency ratio | 41.1262% | 7,318 |
| Assets per employee ($millions) | 6.1979% | 1,069 |
| Cash dividends to net income (ytd only)* | 33.1506% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7852% | 1,089 |
| Loan loss allowance to noncurrent loans | 240.2128% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 5,180 |
| Noncurrent loans to loans | 1.1595% | 4,721 |
| Net loans and leases to total assets | 56.5166% | 4,897 |
| Net loans and leases to deposits | 68.1224% | 4,690 |
| Net loans and leases to core deposits | 71.4172% | 4,897 |
| Total domestic deposits to total assets | 82.9633% | 4,767 |
| Equity capital to assets | 16.3354% | 568 |
| Core capital (leverage) ratio | 15.9981% | 507 |
| Tier 1 risk-based capital ratio | 23.3383% | 1,081 |
| Total risk-based capital ratio | 24.6020% | 1,060 |
| Memoranda: | ||
| Average total assets | $278,752,670 | 2,304 |
| Average earning assets | $267,871,330 | 2,197 |
| Average equity | $43,828,670 | 1,534 |
| Average total loans | $157,973,670 | 2,569 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 4,639 |
| Cost of funding earning assets | 0.6452% | 6,399 |
| Net interest margin | 4.0269% | 2,580 |
| Noninterest income to average assets | 0.5253% | 3,692 |
| Noninterest expense to average assets | 1.7468% | 7,193 |
| Loan and lease loss provision to assets | 0.3230% | 2,611 |
| Net operating income to assets | 1.6962% | 578 |
| Return on assets (ROA) | 1.6952% | 615 |
| Pretax return on assets | 2.3152% | 331 |
| Return on Equity (ROE) | 10.9955% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.6045% | 972 |
| Net charge-offs to loans | -0.0411% | 6,827 |
| Credit loss provision to net charge-offs | -1,406.2500% | 6,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8233% | 7,392 |
| Assets per employee ($millions) | 6.2210% | 1,063 |
| Cash dividends to net income (ytd only)* | 3.5563% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7724% | 1,139 |
| Loan loss allowance to noncurrent loans | 156.3481% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 4,482 |
| Noncurrent loans to loans | 1.7732% | 3,861 |
| Net loans and leases to total assets | 54.9206% | 5,176 |
| Net loans and leases to deposits | 65.7317% | 5,012 |
| Net loans and leases to core deposits | 69.6454% | 5,092 |
| Total domestic deposits to total assets | 83.5528% | 4,676 |
| Equity capital to assets | 15.5956% | 646 |
| Core capital (leverage) ratio | 15.7730% | 543 |
| Tier 1 risk-based capital ratio | 23.2929% | 1,050 |
| Total risk-based capital ratio | 24.5595% | 1,034 |
| Memoranda: | ||
| Average total assets | $278,677,000 | 2,316 |
| Average earning assets | $267,202,000 | 2,220 |
| Average equity | $42,963,000 | 1,547 |
| Average total loans | $155,889,000 | 2,618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 4,724 |
| Cost of funding earning assets | 0.7746% | 6,666 |
| Net interest margin | 4.1899% | 2,228 |
| Noninterest income to average assets | 0.5441% | 3,859 |
| Noninterest expense to average assets | 1.8933% | 7,169 |
| Loan and lease loss provision to assets | 0.5529% | 2,924 |
| Net operating income to assets | 1.5698% | 662 |
| Return on assets (ROA) | 1.6017% | 669 |
| Pretax return on assets | 2.1587% | 353 |
| Return on Equity (ROE) | 10.0311% | 1,918 |
| Retained earnings to average equity (ytd only) | 2.5765% | 4,058 |
| Net charge-offs to loans | 0.3218% | 4,406 |
| Credit loss provision to net charge-offs | 290.6977% | 928 |
| Earnings coverage of net charge-offs (x) | 14.0291% | 1,373 |
| Efficiency ratio | 41.5030% | 7,480 |
| Assets per employee ($millions) | 6.3048% | 1,035 |
| Cash dividends to net income (ytd only)* | 74.3153% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6964% | 1,177 |
| Loan loss allowance to noncurrent loans | 138.0540% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 4,540 |
| Noncurrent loans to loans | 1.9532% | 3,628 |
| Net loans and leases to total assets | 53.8928% | 5,642 |
| Net loans and leases to deposits | 64.1428% | 5,614 |
| Net loans and leases to core deposits | 68.4511% | 5,612 |
| Total domestic deposits to total assets | 84.0200% | 4,351 |
| Equity capital to assets | 15.2363% | 736 |
| Core capital (leverage) ratio | 15.4943% | 584 |
| Tier 1 risk-based capital ratio | 23.3221% | 995 |
| Total risk-based capital ratio | 24.5827% | 977 |
| Memoranda: | ||
| Average total assets | $271,274,600 | 2,351 |
| Average earning assets | $260,126,800 | 2,258 |
| Average equity | $43,315,400 | 1,536 |
| Average total loans | $160,361,000 | 2,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 4,631 |
| Cost of funding earning assets | 0.7983% | 6,770 |
| Net interest margin | 4.2402% | 2,067 |
| Noninterest income to average assets | 0.5175% | 4,044 |
| Noninterest expense to average assets | 1.8402% | 7,287 |
| Loan and lease loss provision to assets | 0.4325% | 3,318 |
| Net operating income to assets | 1.6927% | 629 |
| Return on assets (ROA) | 1.7350% | 631 |
| Pretax return on assets | 2.3691% | 285 |
| Return on Equity (ROE) | 10.7392% | 1,867 |
| Retained earnings to average equity (ytd only) | 3.0627% | 4,294 |
| Net charge-offs to loans | 0.2674% | 4,346 |
| Credit loss provision to net charge-offs | 269.2308% | 1,219 |
| Earnings coverage of net charge-offs (x) | 17.0801% | 1,348 |
| Efficiency ratio | 40.1445% | 7,581 |
| Assets per employee ($millions) | 5.8241% | 1,376 |
| Cash dividends to net income (ytd only)* | 71.4815% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 1,517 |
| Loan loss allowance to noncurrent loans | 113.0104% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3268% | 4,499 |
| Noncurrent loans to loans | 2.0963% | 3,574 |
| Net loans and leases to total assets | 55.8411% | 5,564 |
| Net loans and leases to deposits | 67.4023% | 5,503 |
| Net loans and leases to core deposits | 72.7978% | 5,426 |
| Total domestic deposits to total assets | 82.8475% | 4,656 |
| Equity capital to assets | 16.3273% | 614 |
| Core capital (leverage) ratio | 16.0594% | 554 |
| Tier 1 risk-based capital ratio | 23.3136% | 1,025 |
| Total risk-based capital ratio | 24.5727% | 999 |
| Memoranda: | ||
| Average total assets | $269,740,750 | 2,396 |
| Average earning assets | $258,694,250 | 2,301 |
| Average equity | $43,577,500 | 1,530 |
| Average total loans | $162,039,500 | 2,628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 4,775 |
| Cost of funding earning assets | 0.8255% | 6,831 |
| Net interest margin | 4.2087% | 2,131 |
| Noninterest income to average assets | 0.4419% | 4,589 |
| Noninterest expense to average assets | 1.7980% | 7,389 |
| Loan and lease loss provision to assets | 0.3353% | 3,721 |
| Net operating income to assets | 1.7121% | 575 |
| Return on assets (ROA) | 1.7741% | 559 |
| Pretax return on assets | 2.4164% | 270 |
| Return on Equity (ROE) | 11.0217% | 1,745 |
| Retained earnings to average equity (ytd only) | 6.4066% | 2,115 |
| Net charge-offs to loans | 0.4125% | 3,338 |
| Credit loss provision to net charge-offs | 133.1361% | 3,021 |
| Earnings coverage of net charge-offs (x) | 10.5888% | 1,870 |
| Efficiency ratio | 40.2704% | 7,640 |
| Assets per employee ($millions) | 5.8047% | 1,368 |
| Cash dividends to net income (ytd only)* | 41.8732% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 2,217 |
| Loan loss allowance to noncurrent loans | 110.6937% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 4,717 |
| Noncurrent loans to loans | 1.7962% | 4,006 |
| Net loans and leases to total assets | 59.1010% | 5,229 |
| Net loans and leases to deposits | 71.0540% | 5,136 |
| Net loans and leases to core deposits | 77.0193% | 5,079 |
| Total domestic deposits to total assets | 83.1776% | 4,489 |
| Equity capital to assets | 16.0541% | 661 |
| Core capital (leverage) ratio | 16.1824% | 545 |
| Tier 1 risk-based capital ratio | 22.4780% | 1,125 |
| Total risk-based capital ratio | 23.7328% | 1,107 |
| Memoranda: | ||
| Average total assets | $268,410,330 | 2,435 |
| Average earning assets | $256,563,670 | 2,339 |
| Average equity | $43,205,670 | 1,535 |
| Average total loans | $163,864,670 | 2,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 4,561 |
| Cost of funding earning assets | 0.8592% | 6,901 |
| Net interest margin | 4.2344% | 1,913 |
| Noninterest income to average assets | 0.4914% | 4,114 |
| Noninterest expense to average assets | 1.7746% | 7,494 |
| Loan and lease loss provision to assets | 0.3381% | 3,363 |
| Net operating income to assets | 1.7468% | 556 |
| Return on assets (ROA) | 1.8181% | 524 |
| Pretax return on assets | 2.5048% | 252 |
| Return on Equity (ROE) | 11.2797% | 1,695 |
| Retained earnings to average equity (ytd only) | 9.1356% | 1,361 |
| Net charge-offs to loans | 0.0342% | 5,097 |
| Credit loss provision to net charge-offs | 1,607.1429% | 304 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 253 |
| Efficiency ratio | 39.2620% | 7,750 |
| Assets per employee ($millions) | 5.8887% | 1,347 |
| Cash dividends to net income (ytd only)* | 19.0083% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 2,074 |
| Loan loss allowance to noncurrent loans | 113.6210% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 4,636 |
| Noncurrent loans to loans | 1.7994% | 4,049 |
| Net loans and leases to total assets | 60.9324% | 4,953 |
| Net loans and leases to deposits | 73.6518% | 4,798 |
| Net loans and leases to core deposits | 79.9899% | 4,764 |
| Total domestic deposits to total assets | 82.7304% | 4,742 |
| Equity capital to assets | 16.3529% | 621 |
| Core capital (leverage) ratio | 16.2338% | 544 |
| Tier 1 risk-based capital ratio | 22.2667% | 1,167 |
| Total risk-based capital ratio | 23.5069% | 1,146 |
| Memoranda: | ||
| Average total assets | $266,205,000 | 2,509 |
| Average earning assets | $253,259,000 | 2,409 |
| Average equity | $42,909,000 | 1,556 |
| Average total loans | $163,541,500 | 2,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 4,765 |
| Cost of funding earning assets | 1.1286% | 6,887 |
| Net interest margin | 4.2562% | 1,869 |
| Noninterest income to average assets | 0.6836% | 3,065 |
| Noninterest expense to average assets | 1.9447% | 7,442 |
| Loan and lease loss provision to assets | 0.7414% | 2,887 |
| Net operating income to assets | 1.5483% | 613 |
| Return on assets (ROA) | 1.5483% | 648 |
| Pretax return on assets | 2.0633% | 360 |
| Return on Equity (ROE) | 9.7912% | 1,750 |
| Retained earnings to average equity (ytd only) | 5.3422% | 1,652 |
| Net charge-offs to loans | 0.8094% | 2,803 |
| Credit loss provision to net charge-offs | 145.3711% | 3,270 |
| Earnings coverage of net charge-offs (x) | 5.4996% | 2,581 |
| Efficiency ratio | 40.9464% | 7,844 |
| Assets per employee ($millions) | 5.9426% | 1,285 |
| Cash dividends to net income (ytd only)* | 45.4385% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 2,153 |
| Loan loss allowance to noncurrent loans | 90.5677% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 4,238 |
| Noncurrent loans to loans | 2.1498% | 3,454 |
| Net loans and leases to total assets | 59.4904% | 5,418 |
| Net loans and leases to deposits | 71.4181% | 5,416 |
| Net loans and leases to core deposits | 82.0993% | 5,901 |
| Total domestic deposits to total assets | 83.2988% | 4,383 |
| Equity capital to assets | 15.8867% | 715 |
| Core capital (leverage) ratio | 16.0980% | 606 |
| Tier 1 risk-based capital ratio | 22.0163% | 1,148 |
| Total risk-based capital ratio | 23.2710% | 1,123 |
| Memoranda: | ||
| Average total assets | $256,287,800 | 2,553 |
| Average earning assets | $244,819,800 | 2,453 |
| Average equity | $40,526,200 | 1,654 |
| Average total loans | $161,481,200 | 2,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 4,669 |
| Cost of funding earning assets | 1.1867% | 6,926 |
| Net interest margin | 4.2670% | 1,816 |
| Noninterest income to average assets | 0.7205% | 2,881 |
| Noninterest expense to average assets | 1.9623% | 7,452 |
| Loan and lease loss provision to assets | 0.7889% | 2,396 |
| Net operating income to assets | 1.5778% | 691 |
| Return on assets (ROA) | 1.5778% | 744 |
| Pretax return on assets | 2.0617% | 484 |
| Return on Equity (ROE) | 9.9906% | 1,916 |
| Retained earnings to average equity (ytd only) | 6.4772% | 1,719 |
| Net charge-offs to loans | 0.9804% | 2,012 |
| Credit loss provision to net charge-offs | 126.4755% | 3,975 |
| Earnings coverage of net charge-offs (x) | 4.5700% | 3,092 |
| Efficiency ratio | 40.7715% | 7,912 |
| Assets per employee ($millions) | 5.7207% | 1,416 |
| Cash dividends to net income (ytd only)* | 35.1666% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,333 |
| Loan loss allowance to noncurrent loans | 79.3607% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 4,285 |
| Noncurrent loans to loans | 2.2466% | 3,324 |
| Net loans and leases to total assets | 61.6300% | 5,304 |
| Net loans and leases to deposits | 74.4323% | 5,301 |
| Net loans and leases to core deposits | 85.3313% | 5,936 |
| Total domestic deposits to total assets | 82.8000% | 4,323 |
| Equity capital to assets | 16.3260% | 741 |
| Core capital (leverage) ratio | 16.4444% | 618 |
| Tier 1 risk-based capital ratio | 22.2376% | 1,196 |
| Total risk-based capital ratio | 23.4909% | 1,178 |
| Memoranda: | ||
| Average total assets | $253,505,250 | 2,587 |
| Average earning assets | $243,132,750 | 2,484 |
| Average equity | $40,036,750 | 1,694 |
| Average total loans | $161,289,750 | 2,768 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4812% | 4,729 |
| Cost of funding earning assets | 1.2332% | 7,009 |
| Net interest margin | 4.2479% | 1,827 |
| Noninterest income to average assets | 0.7756% | 2,548 |
| Noninterest expense to average assets | 1.9429% | 7,565 |
| Loan and lease loss provision to assets | 0.9516% | 1,778 |
| Net operating income to assets | 1.5163% | 808 |
| Return on assets (ROA) | 1.5163% | 862 |
| Pretax return on assets | 1.9675% | 603 |
| Return on Equity (ROE) | 9.7122% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.8510% | 2,590 |
| Net charge-offs to loans | 1.0632% | 1,696 |
| Credit loss provision to net charge-offs | 140.0233% | 3,334 |
| Earnings coverage of net charge-offs (x) | 4.2952% | 3,144 |
| Efficiency ratio | 39.9609% | 8,018 |
| Assets per employee ($millions) | 5.8858% | 1,281 |
| Cash dividends to net income (ytd only)* | 50.0523% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,095 |
| Loan loss allowance to noncurrent loans | 71.3340% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 3,795 |
| Noncurrent loans to loans | 2.5014% | 2,893 |
| Net loans and leases to total assets | 63.2662% | 5,130 |
| Net loans and leases to deposits | 75.8555% | 5,193 |
| Net loans and leases to core deposits | 85.5923% | 5,951 |
| Total domestic deposits to total assets | 83.4036% | 4,063 |
| Equity capital to assets | 15.5841% | 907 |
| Core capital (leverage) ratio | 16.2447% | 713 |
| Tier 1 risk-based capital ratio | 21.5752% | 1,322 |
| Total risk-based capital ratio | 22.8284% | 1,283 |
| Memoranda: | ||
| Average total assets | $252,197,000 | 2,610 |
| Average earning assets | $242,613,000 | 2,499 |
| Average equity | $39,373,000 | 1,728 |
| Average total loans | $161,208,330 | 2,793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 4,675 |
| Cost of funding earning assets | 1.2878% | 7,056 |
| Net interest margin | 4.2557% | 1,724 |
| Noninterest income to average assets | 0.8882% | 1,899 |
| Noninterest expense to average assets | 1.8669% | 7,613 |
| Loan and lease loss provision to assets | 0.3496% | 3,224 |
| Net operating income to assets | 2.0060% | 347 |
| Return on assets (ROA) | 2.0083% | 392 |
| Pretax return on assets | 2.7599% | 163 |
| Return on Equity (ROE) | 12.8525% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.2765% | 927 |
| Net charge-offs to loans | 0.4966% | 2,220 |
| Credit loss provision to net charge-offs | 110.5528% | 3,487 |
| Earnings coverage of net charge-offs (x) | 9.8241% | 2,014 |
| Efficiency ratio | 37.5399% | 8,090 |
| Assets per employee ($millions) | 5.6683% | 1,422 |
| Cash dividends to net income (ytd only)* | 12.2627% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 2,609 |
| Loan loss allowance to noncurrent loans | 109.5258% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2778% | 4,120 |
| Noncurrent loans to loans | 1.4412% | 4,138 |
| Net loans and leases to total assets | 64.6741% | 4,864 |
| Net loans and leases to deposits | 78.5730% | 4,838 |
| Net loans and leases to core deposits | 89.6709% | 5,589 |
| Total domestic deposits to total assets | 82.3108% | 4,433 |
| Equity capital to assets | 16.0642% | 863 |
| Core capital (leverage) ratio | 16.4555% | 720 |
| Tier 1 risk-based capital ratio | 21.6307% | 1,350 |
| Total risk-based capital ratio | 22.8819% | 1,317 |
| Memoranda: | ||
| Average total assets | $251,750,000 | 2,624 |
| Average earning assets | $241,655,000 | 2,520 |
| Average equity | $39,338,500 | 1,725 |
| Average total loans | $160,297,500 | 2,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0406% | 5,354 |
| Cost of funding earning assets | 1.9856% | 6,454 |
| Net interest margin | 4.0550% | 2,895 |
| Noninterest income to average assets | 0.5652% | 4,108 |
| Noninterest expense to average assets | 1.7870% | 7,768 |
| Loan and lease loss provision to assets | 0.2662% | 4,269 |
| Net operating income to assets | 1.8533% | 487 |
| Return on assets (ROA) | 1.5383% | 914 |
| Pretax return on assets | 1.9741% | 652 |
| Return on Equity (ROE) | 9.6927% | 2,366 |
| Retained earnings to average equity (ytd only) | 3.8812% | 2,711 |
| Net charge-offs to loans | 0.3067% | 3,350 |
| Credit loss provision to net charge-offs | 140.6926% | 3,772 |
| Earnings coverage of net charge-offs (x) | 13.9740% | 2,087 |
| Efficiency ratio | 40.3272% | 8,125 |
| Assets per employee ($millions) | 5.6465% | 1,357 |
| Cash dividends to net income (ytd only)* | 59.9574% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 2,104 |
| Loan loss allowance to noncurrent loans | 142.7141% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 4,242 |
| Noncurrent loans to loans | 1.1474% | 4,249 |
| Net loans and leases to total assets | 60.6630% | 5,814 |
| Net loans and leases to deposits | 72.3049% | 6,026 |
| Net loans and leases to core deposits | 81.9036% | 6,468 |
| Total domestic deposits to total assets | 83.8989% | 3,371 |
| Equity capital to assets | 15.1960% | 1,115 |
| Core capital (leverage) ratio | 16.2492% | 790 |
| Tier 1 risk-based capital ratio | 21.5301% | 1,386 |
| Total risk-based capital ratio | 22.7412% | 1,356 |
| Memoranda: | ||
| Average total assets | $244,158,600 | 2,611 |
| Average earning assets | $232,774,400 | 2,530 |
| Average equity | $38,750,800 | 1,744 |
| Average total loans | $150,620,000 | 2,919 |