Home > Iowa Savings Bank > Performance and Condition Ratios
Iowa Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 3,210 |
| Cost of funding earning assets | 1.5325% | 1,858 |
| Net interest margin | 2.9061% | 3,472 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 1.9405% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2672% | 1,498 |
| Return on assets (ROA) | 1.2672% | 1,471 |
| Pretax return on assets | 1.3265% | 1,804 |
| Return on Equity (ROE) | 17.7400% | 856 |
| Retained earnings to average equity (ytd only) | 8.7133% | 1,330 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.3967% | 3,150 |
| Assets per employee ($millions) | 8.2842% | 1,286 |
| Cash dividends to net income (ytd only)* | 50.8939% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,667 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.7200% | 2,284 |
| Net loans and leases to deposits | 73.7203% | 2,635 |
| Net loans and leases to core deposits | 78.7553% | 2,780 |
| Total domestic deposits to total assets | 89.1500% | 1,018 |
| Equity capital to assets | 7.5547% | 3,685 |
| Core capital (leverage) ratio | 9.5346% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $264,829,200 | 2,598 |
| Average earning assets | $252,327,000 | 2,559 |
| Average equity | $18,913,600 | 2,945 |
| Average total loans | $178,282,400 | 2,459 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 3,150 |
| Cost of funding earning assets | 1.4386% | 1,768 |
| Net interest margin | 2.9368% | 3,462 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.9652% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2405% | 1,673 |
| Return on assets (ROA) | 1.2405% | 1,667 |
| Pretax return on assets | 1.3064% | 2,025 |
| Return on Equity (ROE) | 17.6300% | 992 |
| Retained earnings to average equity (ytd only) | 10.1303% | 1,366 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.0683% | 2,956 |
| Assets per employee ($millions) | 7.7361% | 1,487 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,508 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.8100% | 2,067 |
| Net loans and leases to deposits | 74.4334% | 2,528 |
| Net loans and leases to core deposits | 79.0742% | 2,667 |
| Total domestic deposits to total assets | 91.1100% | 644 |
| Equity capital to assets | 7.2869% | 3,472 |
| Core capital (leverage) ratio | 9.5477% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $262,691,500 | 2,613 |
| Average earning assets | $250,515,000 | 2,573 |
| Average equity | $18,478,750 | 2,968 |
| Average total loans | $177,423,500 | 2,473 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 3,137 |
| Cost of funding earning assets | 1.2688% | 1,795 |
| Net interest margin | 3.0098% | 3,404 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.8653% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3999% | 1,335 |
| Return on assets (ROA) | 1.3999% | 1,314 |
| Pretax return on assets | 1.4640% | 1,664 |
| Return on Equity (ROE) | 20.1300% | 692 |
| Retained earnings to average equity (ytd only) | 12.6482% | 865 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0263% | 3,411 |
| Assets per employee ($millions) | 7.8749% | 1,374 |
| Cash dividends to net income (ytd only)* | 37.1767% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,667 |
| Loan loss allowance to noncurrent loans | 2,254.9451% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,434 |
| Noncurrent loans to loans | 0.0514% | 3,334 |
| Net loans and leases to total assets | 67.3500% | 2,026 |
| Net loans and leases to deposits | 74.5834% | 2,438 |
| Net loans and leases to core deposits | 78.7541% | 2,562 |
| Total domestic deposits to total assets | 90.3000% | 841 |
| Equity capital to assets | 7.3113% | 3,625 |
| Core capital (leverage) ratio | 9.4000% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4976% | 2,095 |
| Memoranda: | ||
| Average total assets | $265,158,000 | 2,606 |
| Average earning assets | $252,512,667 | 2,570 |
| Average equity | $18,437,333 | 2,990 |
| Average total loans | $178,173,667 | 2,463 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,092 |
| Cost of funding earning assets | 1.1186% | 1,699 |
| Net interest margin | 3.0575% | 3,446 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8820% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4010% | 1,406 |
| Return on assets (ROA) | 1.4010% | 1,385 |
| Pretax return on assets | 1.4683% | 1,736 |
| Return on Equity (ROE) | 20.6700% | 688 |
| Retained earnings to average equity (ytd only) | 18.6385% | 466 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1748% | 3,394 |
| Assets per employee ($millions) | 8.1434% | 1,271 |
| Cash dividends to net income (ytd only)* | 9.8081% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,832 |
| Loan loss allowance to noncurrent loans | 41,040.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,906 |
| Noncurrent loans to loans | 0.0028% | 3,839 |
| Net loans and leases to total assets | 65.8800% | 2,071 |
| Net loans and leases to deposits | 73.7894% | 2,312 |
| Net loans and leases to core deposits | 77.8303% | 2,399 |
| Total domestic deposits to total assets | 89.2800% | 1,428 |
| Equity capital to assets | 7.0744% | 3,794 |
| Core capital (leverage) ratio | 9.0053% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1559% | 2,328 |
| Memoranda: | ||
| Average total assets | $267,800,500 | 2,630 |
| Average earning assets | $256,026,500 | 2,578 |
| Average equity | $18,156,000 | 3,038 |
| Average total loans | $178,726,500 | 2,469 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 3,468 |
| Cost of funding earning assets | 0.4962% | 1,416 |
| Net interest margin | 2.8553% | 3,781 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.9097% | 3,807 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2243% | 1,684 |
| Return on assets (ROA) | 1.2243% | 1,635 |
| Pretax return on assets | 1.2853% | 2,137 |
| Return on Equity (ROE) | 18.0200% | 700 |
| Retained earnings to average equity (ytd only) | 10.3849% | 1,044 |
| Net charge-offs to loans | 0.0024% | 2,425 |
| Credit loss provision to net charge-offs | 750.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 866.2500% | 210 |
| Efficiency ratio | 59.5635% | 3,114 |
| Assets per employee ($millions) | 7.8491% | 1,406 |
| Cash dividends to net income (ytd only)* | 42.3594% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,641 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.0600% | 2,038 |
| Net loans and leases to deposits | 73.3856% | 2,301 |
| Net loans and leases to core deposits | 76.6301% | 2,379 |
| Total domestic deposits to total assets | 90.0200% | 1,355 |
| Equity capital to assets | 6.4829% | 3,901 |
| Core capital (leverage) ratio | 8.8993% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8061% | 2,447 |
| Memoranda: | ||
| Average total assets | $267,260,200 | 2,624 |
| Average earning assets | $253,912,600 | 2,587 |
| Average equity | $18,161,000 | 3,110 |
| Average total loans | $165,495,000 | 2,499 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 3,560 |
| Cost of funding earning assets | 0.3816% | 1,428 |
| Net interest margin | 2.7666% | 3,806 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.8561% | 3,855 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2019% | 1,686 |
| Return on assets (ROA) | 1.2019% | 1,662 |
| Pretax return on assets | 1.2682% | 2,143 |
| Return on Equity (ROE) | 17.4900% | 712 |
| Retained earnings to average equity (ytd only) | 10.3103% | 1,252 |
| Net charge-offs to loans | 0.0008% | 2,301 |
| Credit loss provision to net charge-offs | 3,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 2,573.0000% | 48 |
| Efficiency ratio | 59.1263% | 3,230 |
| Assets per employee ($millions) | 7.3036% | 1,747 |
| Cash dividends to net income (ytd only)* | 41.0373% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,447 |
| Loan loss allowance to noncurrent loans | 25,687.5000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,991 |
| Noncurrent loans to loans | 0.0047% | 3,924 |
| Net loans and leases to total assets | 63.5300% | 2,140 |
| Net loans and leases to deposits | 70.2100% | 2,342 |
| Net loans and leases to core deposits | 72.3074% | 2,465 |
| Total domestic deposits to total assets | 90.4900% | 1,439 |
| Equity capital to assets | 6.0868% | 3,930 |
| Core capital (leverage) ratio | 8.6223% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2378% | 2,377 |
| Memoranda: | ||
| Average total assets | $267,357,750 | 2,641 |
| Average earning assets | $253,686,000 | 2,612 |
| Average equity | $18,376,000 | 3,124 |
| Average total loans | $162,279,250 | 2,526 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9484% | 3,681 |
| Cost of funding earning assets | 0.3206% | 1,522 |
| Net interest margin | 2.6277% | 3,857 |
| Noninterest income to average assets | 0.5193% | 2,090 |
| Noninterest expense to average assets | 1.8398% | 3,857 |
| Loan and lease loss provision to assets | 0.0223% | 2,199 |
| Net operating income to assets | 1.0847% | 1,832 |
| Return on assets (ROA) | 1.0847% | 1,813 |
| Pretax return on assets | 1.1509% | 2,238 |
| Return on Equity (ROE) | 15.2139% | 851 |
| Retained earnings to average equity (ytd only) | 8.4000% | 1,474 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0617% | 3,173 |
| Assets per employee ($millions) | 7.8436% | 1,386 |
| Cash dividends to net income (ytd only)* | 44.7874% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,262 |
| Loan loss allowance to noncurrent loans | 41,120.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,846 |
| Noncurrent loans to loans | 0.0031% | 3,983 |
| Net loans and leases to total assets | 59.2746% | 2,408 |
| Net loans and leases to deposits | 65.3687% | 2,599 |
| Net loans and leases to core deposits | 67.2449% | 2,719 |
| Total domestic deposits to total assets | 90.6774% | 1,392 |
| Equity capital to assets | 6.5609% | 3,993 |
| Core capital (leverage) ratio | 8.2654% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5339% | 2,277 |
| Memoranda: | ||
| Average total assets | $268,833,667 | 2,657 |
| Average earning assets | $255,125,667 | 2,634 |
| Average equity | $19,166,667 | 3,136 |
| Average total loans | $160,006,333 | 2,549 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8306% | 3,681 |
| Cost of funding earning assets | 0.3095% | 1,558 |
| Net interest margin | 2.5211% | 3,861 |
| Noninterest income to average assets | 0.5498% | 1,896 |
| Noninterest expense to average assets | 1.8540% | 3,801 |
| Loan and lease loss provision to assets | 0.0445% | 1,561 |
| Net operating income to assets | 0.9855% | 1,943 |
| Return on assets (ROA) | 0.9855% | 1,938 |
| Pretax return on assets | 1.0418% | 2,315 |
| Return on Equity (ROE) | 13.2990% | 979 |
| Retained earnings to average equity (ytd only) | 12.6391% | 511 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0544% | 3,138 |
| Assets per employee ($millions) | 7.3916% | 1,742 |
| Cash dividends to net income (ytd only)* | 4.9624% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,190 |
| Loan loss allowance to noncurrent loans | 41,120.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,102 |
| Noncurrent loans to loans | 0.0033% | 4,026 |
| Net loans and leases to total assets | 55.4999% | 2,578 |
| Net loans and leases to deposits | 61.2930% | 2,775 |
| Net loans and leases to core deposits | 62.5486% | 2,928 |
| Total domestic deposits to total assets | 90.5484% | 1,267 |
| Equity capital to assets | 6.8902% | 4,266 |
| Core capital (leverage) ratio | 8.0625% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0200% | 1,788 |
| Memoranda: | ||
| Average total assets | $269,908,500 | 2,664 |
| Average earning assets | $255,918,000 | 2,645 |
| Average equity | $20,001,500 | 3,149 |
| Average total loans | $159,943,500 | 2,551 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4129% | 2,902 |
| Cost of funding earning assets | 0.3654% | 1,806 |
| Net interest margin | 3.0476% | 3,055 |
| Noninterest income to average assets | 0.6439% | 1,969 |
| Noninterest expense to average assets | 1.9666% | 3,779 |
| Loan and lease loss provision to assets | 0.0916% | 1,360 |
| Net operating income to assets | 1.3944% | 1,296 |
| Return on assets (ROA) | 1.3944% | 1,348 |
| Pretax return on assets | 1.4653% | 1,834 |
| Return on Equity (ROE) | 16.7921% | 621 |
| Retained earnings to average equity (ytd only) | 9.5085% | 1,041 |
| Net charge-offs to loans | 0.1669% | 577 |
| Credit loss provision to net charge-offs | 88.1226% | 1,895 |
| Earnings coverage of net charge-offs (x) | 14.9808% | 2,012 |
| Efficiency ratio | 55.8142% | 3,724 |
| Assets per employee ($millions) | 7.1981% | 1,790 |
| Cash dividends to net income (ytd only)* | 43.3752% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,788 |
| Loan loss allowance to noncurrent loans | 1,511.9403% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,635 |
| Noncurrent loans to loans | 0.0807% | 3,523 |
| Net loans and leases to total assets | 61.5853% | 1,986 |
| Net loans and leases to deposits | 68.8349% | 2,239 |
| Net loans and leases to core deposits | 70.0957% | 2,432 |
| Total domestic deposits to total assets | 89.4682% | 1,255 |
| Equity capital to assets | 7.9447% | 4,389 |
| Core capital (leverage) ratio | 8.1562% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6505% | 2,734 |
| Memoranda: | ||
| Average total assets | $251,144,600 | 2,719 |
| Average earning assets | $237,304,600 | 2,698 |
| Average equity | $20,855,000 | 3,144 |
| Average total loans | $156,371,000 | 2,577 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 2,618 |
| Cost of funding earning assets | 0.3762% | 1,886 |
| Net interest margin | 3.2021% | 2,723 |
| Noninterest income to average assets | 0.6479% | 2,021 |
| Noninterest expense to average assets | 1.9330% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6710% | 883 |
| Return on assets (ROA) | 1.6710% | 922 |
| Pretax return on assets | 1.7432% | 1,296 |
| Return on Equity (ROE) | 19.8914% | 432 |
| Retained earnings to average equity (ytd only) | 11.2739% | 997 |
| Net charge-offs to loans | -0.0035% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5806% | 3,973 |
| Assets per employee ($millions) | 7.2071% | 1,735 |
| Cash dividends to net income (ytd only)* | 43.3226% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,527 |
| Loan loss allowance to noncurrent loans | 675.7377% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 3,313 |
| Noncurrent loans to loans | 0.1913% | 3,180 |
| Net loans and leases to total assets | 62.3777% | 1,960 |
| Net loans and leases to deposits | 70.1245% | 2,230 |
| Net loans and leases to core deposits | 72.4142% | 2,391 |
| Total domestic deposits to total assets | 88.9529% | 1,306 |
| Equity capital to assets | 8.4885% | 4,221 |
| Core capital (leverage) ratio | 8.3609% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1732% | 2,653 |
| Memoranda: | ||
| Average total assets | $247,348,750 | 2,766 |
| Average earning assets | $233,924,500 | 2,741 |
| Average equity | $20,779,000 | 3,185 |
| Average total loans | $153,952,500 | 2,637 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 2,790 |
| Cost of funding earning assets | 0.3922% | 1,954 |
| Net interest margin | 3.1516% | 2,890 |
| Noninterest income to average assets | 0.6756% | 1,906 |
| Noninterest expense to average assets | 1.8859% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6938% | 884 |
| Return on assets (ROA) | 1.6938% | 929 |
| Pretax return on assets | 1.7655% | 1,312 |
| Return on Equity (ROE) | 20.2353% | 439 |
| Retained earnings to average equity (ytd only) | 13.5356% | 630 |
| Net charge-offs to loans | -0.0026% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6496% | 4,078 |
| Assets per employee ($millions) | 7.8556% | 1,273 |
| Cash dividends to net income (ytd only)* | 33.1091% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,371 |
| Loan loss allowance to noncurrent loans | 679.5380% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 3,431 |
| Noncurrent loans to loans | 0.1934% | 3,262 |
| Net loans and leases to total assets | 61.5140% | 2,236 |
| Net loans and leases to deposits | 69.3417% | 2,485 |
| Net loans and leases to core deposits | 71.5352% | 2,645 |
| Total domestic deposits to total assets | 88.7115% | 1,443 |
| Equity capital to assets | 8.3770% | 4,300 |
| Core capital (leverage) ratio | 8.2261% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,716,000 | 2,767 |
| Average earning assets | $232,006,333 | 2,748 |
| Average equity | $20,568,000 | 3,200 |
| Average total loans | $152,134,333 | 2,662 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 3,674 |
| Cost of funding earning assets | 0.4057% | 2,049 |
| Net interest margin | 2.8013% | 3,760 |
| Noninterest income to average assets | 0.6752% | 1,941 |
| Noninterest expense to average assets | 1.9400% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2912% | 1,857 |
| Return on assets (ROA) | 1.2912% | 1,928 |
| Pretax return on assets | 1.3620% | 2,391 |
| Return on Equity (ROE) | 15.4308% | 1,130 |
| Retained earnings to average equity (ytd only) | 14.8403% | 644 |
| Net charge-offs to loans | -0.0027% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7531% | 3,195 |
| Assets per employee ($millions) | 7.1634% | 1,679 |
| Cash dividends to net income (ytd only)* | 3.8265% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,180 |
| Loan loss allowance to noncurrent loans | 343.0000% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 2,940 |
| Noncurrent loans to loans | 0.3952% | 2,689 |
| Net loans and leases to total assets | 59.7274% | 2,574 |
| Net loans and leases to deposits | 66.8059% | 2,832 |
| Net loans and leases to core deposits | 68.9032% | 2,976 |
| Total domestic deposits to total assets | 89.4045% | 1,122 |
| Equity capital to assets | 8.1514% | 4,397 |
| Core capital (leverage) ratio | 8.3795% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,884,000 | 2,777 |
| Average earning assets | $227,750,500 | 2,764 |
| Average equity | $20,323,000 | 3,217 |
| Average total loans | $149,855,000 | 2,690 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 3,717 |
| Cost of funding earning assets | 0.5916% | 2,376 |
| Net interest margin | 3.0489% | 3,756 |
| Noninterest income to average assets | 0.8545% | 1,384 |
| Noninterest expense to average assets | 2.2141% | 3,639 |
| Loan and lease loss provision to assets | 0.0824% | 3,348 |
| Net operating income to assets | 1.3665% | 1,092 |
| Return on assets (ROA) | 1.3665% | 1,183 |
| Pretax return on assets | 1.4374% | 1,549 |
| Return on Equity (ROE) | 15.2001% | 611 |
| Retained earnings to average equity (ytd only) | 3.5199% | 3,068 |
| Net charge-offs to loans | 0.0136% | 2,856 |
| Credit loss provision to net charge-offs | 900.0000% | 832 |
| Earnings coverage of net charge-offs (x) | 165.9500% | 527 |
| Efficiency ratio | 59.2838% | 3,555 |
| Assets per employee ($millions) | 6.5291% | 1,900 |
| Cash dividends to net income (ytd only)* | 76.8432% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 2,008 |
| Loan loss allowance to noncurrent loans | 692.5926% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 3,653 |
| Noncurrent loans to loans | 0.2008% | 3,493 |
| Net loans and leases to total assets | 62.0496% | 2,602 |
| Net loans and leases to deposits | 69.8324% | 2,896 |
| Net loans and leases to core deposits | 72.7043% | 3,019 |
| Total domestic deposits to total assets | 88.8551% | 1,048 |
| Equity capital to assets | 8.5978% | 4,375 |
| Core capital (leverage) ratio | 8.3892% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,375,800 | 2,808 |
| Average earning assets | $206,236,400 | 2,775 |
| Average equity | $19,631,400 | 3,219 |
| Average total loans | $146,996,400 | 2,686 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 3,744 |
| Cost of funding earning assets | 0.6383% | 2,384 |
| Net interest margin | 3.0876% | 3,765 |
| Noninterest income to average assets | 0.8366% | 1,381 |
| Noninterest expense to average assets | 2.1511% | 3,813 |
| Loan and lease loss provision to assets | 0.1120% | 2,922 |
| Net operating income to assets | 1.4304% | 1,034 |
| Return on assets (ROA) | 1.4304% | 1,123 |
| Pretax return on assets | 1.5001% | 1,450 |
| Return on Equity (ROE) | 15.7229% | 581 |
| Retained earnings to average equity (ytd only) | 2.8873% | 3,560 |
| Net charge-offs to loans | 0.0236% | 2,370 |
| Credit loss provision to net charge-offs | 692.3077% | 1,078 |
| Earnings coverage of net charge-offs (x) | 99.6154% | 793 |
| Efficiency ratio | 57.1452% | 3,776 |
| Assets per employee ($millions) | 6.3614% | 1,943 |
| Cash dividends to net income (ytd only)* | 81.6362% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.7126% | 2,679 |
| Net loans and leases to deposits | 73.3985% | 3,009 |
| Net loans and leases to core deposits | 77.2553% | 3,072 |
| Total domestic deposits to total assets | 88.1661% | 1,140 |
| Equity capital to assets | 8.9796% | 4,136 |
| Core capital (leverage) ratio | 8.5759% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,207,500 | 2,819 |
| Average earning assets | $203,044,750 | 2,783 |
| Average equity | $19,487,000 | 3,236 |
| Average total loans | $146,769,500 | 2,694 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 3,634 |
| Cost of funding earning assets | 0.7120% | 2,323 |
| Net interest margin | 3.1830% | 3,715 |
| Noninterest income to average assets | 0.6528% | 1,926 |
| Noninterest expense to average assets | 2.2129% | 3,739 |
| Loan and lease loss provision to assets | 0.1703% | 2,304 |
| Net operating income to assets | 1.2186% | 1,592 |
| Return on assets (ROA) | 1.2186% | 1,714 |
| Pretax return on assets | 1.2895% | 2,069 |
| Return on Equity (ROE) | 13.3345% | 1,022 |
| Retained earnings to average equity (ytd only) | -0.4452% | 4,394 |
| Net charge-offs to loans | 0.0068% | 2,717 |
| Credit loss provision to net charge-offs | 3,600.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 308.6000% | 315 |
| Efficiency ratio | 60.2524% | 3,383 |
| Assets per employee ($millions) | 6.5404% | 1,745 |
| Cash dividends to net income (ytd only)* | 103.3385% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,658 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,430 |
| Noncurrent loans to loans | 0.0373% | 4,329 |
| Net loans and leases to total assets | 66.6353% | 2,545 |
| Net loans and leases to deposits | 75.3520% | 2,934 |
| Net loans and leases to core deposits | 79.8533% | 2,961 |
| Total domestic deposits to total assets | 88.4320% | 972 |
| Equity capital to assets | 8.7893% | 4,276 |
| Core capital (leverage) ratio | 8.4966% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,393,667 | 2,817 |
| Average earning assets | $200,567,333 | 2,774 |
| Average equity | $19,318,333 | 3,241 |
| Average total loans | $146,981,667 | 2,683 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 3,534 |
| Cost of funding earning assets | 0.8427% | 2,147 |
| Net interest margin | 3.2546% | 3,707 |
| Noninterest income to average assets | 0.5864% | 2,101 |
| Noninterest expense to average assets | 2.2836% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3282% | 1,165 |
| Return on assets (ROA) | 1.3282% | 1,260 |
| Pretax return on assets | 1.4000% | 1,565 |
| Return on Equity (ROE) | 14.1798% | 659 |
| Retained earnings to average equity (ytd only) | 0.7463% | 3,808 |
| Net charge-offs to loans | -0.0028% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9926% | 3,500 |
| Assets per employee ($millions) | 5.6093% | 2,021 |
| Cash dividends to net income (ytd only)* | 94.7368% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,079 |
| Loan loss allowance to noncurrent loans | 654.4828% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 3,951 |
| Noncurrent loans to loans | 0.2007% | 3,759 |
| Net loans and leases to total assets | 68.6952% | 2,440 |
| Net loans and leases to deposits | 78.0532% | 2,882 |
| Net loans and leases to core deposits | 85.1557% | 2,745 |
| Total domestic deposits to total assets | 88.0107% | 1,102 |
| Equity capital to assets | 9.3831% | 4,330 |
| Core capital (leverage) ratio | 9.2070% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,994,000 | 2,824 |
| Average earning assets | $196,029,500 | 2,771 |
| Average equity | $19,295,000 | 3,238 |
| Average total loans | $145,347,000 | 2,677 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,834 |
| Cost of funding earning assets | 1.0408% | 1,552 |
| Net interest margin | 3.4924% | 3,474 |
| Noninterest income to average assets | 0.5979% | 2,229 |
| Noninterest expense to average assets | 2.3600% | 3,807 |
| Loan and lease loss provision to assets | -0.2519% | 5,134 |
| Net operating income to assets | 1.6447% | 747 |
| Return on assets (ROA) | 1.6447% | 794 |
| Pretax return on assets | 1.7268% | 1,117 |
| Return on Equity (ROE) | 17.6456% | 367 |
| Retained earnings to average equity (ytd only) | 3.7453% | 3,106 |
| Net charge-offs to loans | 0.0062% | 3,452 |
| Credit loss provision to net charge-offs | -5,555.5556% | 4,680 |
| Earnings coverage of net charge-offs (x) | 325.3333% | 267 |
| Efficiency ratio | 61.5132% | 3,450 |
| Assets per employee ($millions) | 5.5255% | 2,040 |
| Cash dividends to net income (ytd only)* | 78.7749% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 1,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.5945% | 2,303 |
| Net loans and leases to deposits | 79.7307% | 2,809 |
| Net loans and leases to core deposits | 86.1479% | 2,778 |
| Total domestic deposits to total assets | 88.5412% | 867 |
| Equity capital to assets | 9.3502% | 4,459 |
| Core capital (leverage) ratio | 9.4747% | 4,089 |
| Tier 1 risk-based capital ratio | 11.3716% | 4,698 |
| Total risk-based capital ratio | 12.5164% | 4,638 |
| Memoranda: | ||
| Average total assets | $198,515,000 | 2,852 |
| Average earning assets | $184,000,200 | 2,848 |
| Average equity | $18,503,200 | 3,279 |
| Average total loans | $144,560,600 | 2,668 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 2,651 |
| Cost of funding earning assets | 1.0904% | 1,391 |
| Net interest margin | 3.5305% | 3,473 |
| Noninterest income to average assets | 0.5704% | 2,351 |
| Noninterest expense to average assets | 2.2324% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5165% | 1,145 |
| Return on assets (ROA) | 1.5165% | 1,201 |
| Pretax return on assets | 1.5916% | 1,664 |
| Return on Equity (ROE) | 16.2830% | 567 |
| Retained earnings to average equity (ytd only) | 1.5912% | 4,402 |
| Net charge-offs to loans | 0.0092% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 235.2528% | 391 |
| Efficiency ratio | 58.3614% | 3,880 |
| Assets per employee ($millions) | 5.2796% | 2,250 |
| Cash dividends to net income (ytd only)* | 90.2273% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.9448% | 2,008 |
| Net loans and leases to deposits | 82.3741% | 2,637 |
| Net loans and leases to core deposits | 88.1284% | 2,716 |
| Total domestic deposits to total assets | 88.5531% | 803 |
| Equity capital to assets | 9.5139% | 4,438 |
| Core capital (leverage) ratio | 9.3393% | 4,337 |
| Tier 1 risk-based capital ratio | 11.2587% | 4,785 |
| Total risk-based capital ratio | 12.5110% | 4,685 |
| Memoranda: | ||
| Average total assets | $197,032,500 | 2,889 |
| Average earning assets | $181,573,750 | 2,888 |
| Average equity | $18,350,000 | 3,317 |
| Average total loans | $144,144,750 | 2,704 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 3,019 |
| Cost of funding earning assets | 1.0923% | 1,328 |
| Net interest margin | 3.4074% | 3,874 |
| Noninterest income to average assets | 0.6265% | 2,035 |
| Noninterest expense to average assets | 2.3138% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3867% | 1,469 |
| Return on assets (ROA) | 1.3867% | 1,529 |
| Pretax return on assets | 1.4606% | 1,990 |
| Return on Equity (ROE) | 14.9959% | 760 |
| Retained earnings to average equity (ytd only) | 5.6700% | 2,435 |
| Net charge-offs to loans | 0.0042% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 159 |
| Efficiency ratio | 61.2765% | 3,546 |
| Assets per employee ($millions) | 5.8580% | 1,654 |
| Cash dividends to net income (ytd only)* | 62.1898% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 935 |
| Loan loss allowance to noncurrent loans | 30,037.5000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,796 |
| Noncurrent loans to loans | 0.0055% | 4,708 |
| Net loans and leases to total assets | 72.1437% | 2,197 |
| Net loans and leases to deposits | 82.4828% | 2,673 |
| Net loans and leases to core deposits | 88.9204% | 2,709 |
| Total domestic deposits to total assets | 87.4651% | 1,356 |
| Equity capital to assets | 9.4797% | 4,420 |
| Core capital (leverage) ratio | 9.4712% | 4,174 |
| Tier 1 risk-based capital ratio | 11.4659% | 4,700 |
| Total risk-based capital ratio | 12.7183% | 4,592 |
| Memoranda: | ||
| Average total assets | $197,595,000 | 2,892 |
| Average earning assets | $182,546,330 | 2,893 |
| Average equity | $18,271,670 | 3,323 |
| Average total loans | $143,896,330 | 2,716 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 3,007 |
| Cost of funding earning assets | 1.0613% | 1,330 |
| Net interest margin | 3.3991% | 3,885 |
| Noninterest income to average assets | 0.6158% | 1,971 |
| Noninterest expense to average assets | 2.4288% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2581% | 1,853 |
| Return on assets (ROA) | 1.2581% | 1,902 |
| Pretax return on assets | 1.3313% | 2,326 |
| Return on Equity (ROE) | 13.7808% | 1,015 |
| Retained earnings to average equity (ytd only) | 4.5639% | 3,103 |
| Net charge-offs to loans | 0.0028% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 655.0000% | 102 |
| Efficiency ratio | 64.5946% | 3,147 |
| Assets per employee ($millions) | 5.4964% | 1,985 |
| Cash dividends to net income (ytd only)* | 66.8821% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.4243% | 2,088 |
| Net loans and leases to deposits | 82.1553% | 2,596 |
| Net loans and leases to core deposits | 88.6158% | 2,628 |
| Total domestic deposits to total assets | 88.1554% | 1,256 |
| Equity capital to assets | 9.2247% | 4,505 |
| Core capital (leverage) ratio | 9.4070% | 4,247 |
| Tier 1 risk-based capital ratio | 11.3048% | 4,837 |
| Total risk-based capital ratio | 12.5571% | 4,748 |
| Memoranda: | ||
| Average total assets | $196,806,500 | 2,932 |
| Average earning assets | $182,048,500 | 2,928 |
| Average equity | $17,967,000 | 3,356 |
| Average total loans | $142,798,000 | 2,768 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 3,570 |
| Cost of funding earning assets | 0.6978% | 2,104 |
| Net interest margin | 3.4557% | 3,846 |
| Noninterest income to average assets | 0.6107% | 2,232 |
| Noninterest expense to average assets | 2.3491% | 3,992 |
| Loan and lease loss provision to assets | 0.0604% | 2,954 |
| Net operating income to assets | 1.3939% | 1,450 |
| Return on assets (ROA) | 1.3939% | 1,446 |
| Pretax return on assets | 1.4548% | 1,933 |
| Return on Equity (ROE) | 16.0744% | 620 |
| Retained earnings to average equity (ytd only) | 5.6211% | 2,405 |
| Net charge-offs to loans | -0.1059% | 5,163 |
| Credit loss provision to net charge-offs | -80.5369% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7654% | 3,734 |
| Assets per employee ($millions) | 5.4373% | 2,019 |
| Cash dividends to net income (ytd only)* | 65.0307% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 801 |
| Loan loss allowance to noncurrent loans | 21,872.7273% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,893 |
| Noncurrent loans to loans | 0.0079% | 4,786 |
| Net loans and leases to total assets | 70.2344% | 2,533 |
| Net loans and leases to deposits | 78.8071% | 3,066 |
| Net loans and leases to core deposits | 86.3914% | 2,882 |
| Total domestic deposits to total assets | 89.1220% | 812 |
| Equity capital to assets | 9.0328% | 4,547 |
| Core capital (leverage) ratio | 9.2822% | 4,371 |
| Tier 1 risk-based capital ratio | 11.3093% | 4,804 |
| Total risk-based capital ratio | 12.5618% | 4,714 |
| Memoranda: | ||
| Average total assets | $198,796,400 | 2,888 |
| Average earning assets | $187,170,600 | 2,857 |
| Average equity | $17,238,600 | 3,369 |
| Average total loans | $140,682,000 | 2,764 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,725 |
| Cost of funding earning assets | 0.5912% | 2,540 |
| Net interest margin | 3.4813% | 3,759 |
| Noninterest income to average assets | 0.6113% | 2,253 |
| Noninterest expense to average assets | 2.3210% | 4,050 |
| Loan and lease loss provision to assets | 0.0802% | 2,354 |
| Net operating income to assets | 1.4371% | 1,369 |
| Return on assets (ROA) | 1.4371% | 1,371 |
| Pretax return on assets | 1.5073% | 1,876 |
| Return on Equity (ROE) | 16.7441% | 577 |
| Retained earnings to average equity (ytd only) | 6.5622% | 2,358 |
| Net charge-offs to loans | -0.1401% | 5,231 |
| Credit loss provision to net charge-offs | -81.0811% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3504% | 3,913 |
| Assets per employee ($millions) | 5.2815% | 2,138 |
| Cash dividends to net income (ytd only)* | 60.8090% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.5389% | 2,402 |
| Net loans and leases to deposits | 81.0507% | 2,921 |
| Net loans and leases to core deposits | 84.5349% | 3,115 |
| Total domestic deposits to total assets | 88.2644% | 1,134 |
| Equity capital to assets | 8.8469% | 4,683 |
| Core capital (leverage) ratio | 9.1872% | 4,523 |
| Tier 1 risk-based capital ratio | 11.0918% | 4,994 |
| Total risk-based capital ratio | 12.3442% | 4,887 |
| Memoranda: | ||
| Average total assets | $199,559,750 | 2,891 |
| Average earning assets | $189,005,000 | 2,859 |
| Average equity | $17,128,000 | 3,413 |
| Average total loans | $140,881,250 | 2,772 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 3,895 |
| Cost of funding earning assets | 0.5624% | 2,497 |
| Net interest margin | 3.3997% | 3,954 |
| Noninterest income to average assets | 0.6181% | 2,234 |
| Noninterest expense to average assets | 2.3022% | 4,135 |
| Loan and lease loss provision to assets | 0.1194% | 1,655 |
| Net operating income to assets | 1.3457% | 1,615 |
| Return on assets (ROA) | 1.3457% | 1,621 |
| Pretax return on assets | 1.4153% | 2,096 |
| Return on Equity (ROE) | 15.8363% | 703 |
| Retained earnings to average equity (ytd only) | 5.7395% | 2,702 |
| Net charge-offs to loans | -0.0114% | 4,363 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9741% | 3,939 |
| Assets per employee ($millions) | 5.3155% | 2,087 |
| Cash dividends to net income (ytd only)* | 63.7574% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,215 |
| Loan loss allowance to noncurrent loans | 469.9170% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 3,817 |
| Noncurrent loans to loans | 0.3317% | 3,510 |
| Net loans and leases to total assets | 70.8118% | 2,459 |
| Net loans and leases to deposits | 83.1393% | 2,632 |
| Net loans and leases to core deposits | 86.3845% | 2,891 |
| Total domestic deposits to total assets | 85.1725% | 2,608 |
| Equity capital to assets | 8.4569% | 4,977 |
| Core capital (leverage) ratio | 8.7817% | 4,900 |
| Tier 1 risk-based capital ratio | 10.6434% | 5,211 |
| Total risk-based capital ratio | 11.8945% | 5,109 |
| Memoranda: | ||
| Average total assets | $200,941,670 | 2,892 |
| Average earning assets | $190,252,670 | 2,851 |
| Average equity | $17,074,670 | 3,439 |
| Average total loans | $140,441,000 | 2,788 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 4,057 |
| Cost of funding earning assets | 0.4796% | 2,966 |
| Net interest margin | 3.3785% | 3,953 |
| Noninterest income to average assets | 0.5708% | 2,419 |
| Noninterest expense to average assets | 2.2892% | 4,210 |
| Loan and lease loss provision to assets | 0.1197% | 1,578 |
| Net operating income to assets | 1.2833% | 1,706 |
| Return on assets (ROA) | 1.2833% | 1,709 |
| Pretax return on assets | 1.3532% | 2,175 |
| Return on Equity (ROE) | 15.0665% | 794 |
| Retained earnings to average equity (ytd only) | 11.7158% | 735 |
| Net charge-offs to loans | -0.0232% | 4,631 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7958% | 3,967 |
| Assets per employee ($millions) | 5.4379% | 1,996 |
| Cash dividends to net income (ytd only)* | 22.2395% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,253 |
| Loan loss allowance to noncurrent loans | 1,297.0588% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,667 |
| Noncurrent loans to loans | 0.1204% | 4,422 |
| Net loans and leases to total assets | 69.0754% | 2,619 |
| Net loans and leases to deposits | 81.3249% | 2,653 |
| Net loans and leases to core deposits | 85.7193% | 2,828 |
| Total domestic deposits to total assets | 84.9375% | 2,954 |
| Equity capital to assets | 8.5253% | 4,950 |
| Core capital (leverage) ratio | 8.9231% | 4,770 |
| Tier 1 risk-based capital ratio | 10.8331% | 5,230 |
| Total risk-based capital ratio | 12.0843% | 5,124 |
| Memoranda: | ||
| Average total assets | $200,418,000 | 2,927 |
| Average earning assets | $189,316,500 | 2,891 |
| Average equity | $17,071,000 | 3,466 |
| Average total loans | $138,013,000 | 2,838 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 4,156 |
| Cost of funding earning assets | 0.3315% | 3,860 |
| Net interest margin | 3.4365% | 3,732 |
| Noninterest income to average assets | 0.7475% | 1,783 |
| Noninterest expense to average assets | 2.4024% | 4,074 |
| Loan and lease loss provision to assets | 0.1086% | 2,072 |
| Net operating income to assets | 1.4034% | 1,011 |
| Return on assets (ROA) | 1.4034% | 1,028 |
| Pretax return on assets | 1.4736% | 1,741 |
| Return on Equity (ROE) | 16.8231% | 409 |
| Retained earnings to average equity (ytd only) | 5.1281% | 2,045 |
| Net charge-offs to loans | 0.1137% | 1,917 |
| Credit loss provision to net charge-offs | 146.3087% | 1,817 |
| Earnings coverage of net charge-offs (x) | 21.3221% | 1,912 |
| Efficiency ratio | 60.2550% | 4,223 |
| Assets per employee ($millions) | 5.2535% | 2,198 |
| Cash dividends to net income (ytd only)* | 69.5174% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,242.4419% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,695 |
| Noncurrent loans to loans | 0.1276% | 4,416 |
| Net loans and leases to total assets | 66.4731% | 3,036 |
| Net loans and leases to deposits | 74.6407% | 3,460 |
| Net loans and leases to core deposits | 78.4965% | 3,547 |
| Total domestic deposits to total assets | 89.0575% | 979 |
| Equity capital to assets | 8.5101% | 5,116 |
| Core capital (leverage) ratio | 8.5229% | 5,118 |
| Tier 1 risk-based capital ratio | 10.6353% | 5,325 |
| Total risk-based capital ratio | 11.8859% | 5,217 |
| Memoranda: | ||
| Average total assets | $200,802,600 | 2,918 |
| Average earning assets | $189,147,800 | 2,876 |
| Average equity | $16,750,800 | 3,507 |
| Average total loans | $131,037,400 | 2,900 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,255 |
| Cost of funding earning assets | 0.3172% | 3,959 |
| Net interest margin | 3.4071% | 3,823 |
| Noninterest income to average assets | 0.7220% | 1,895 |
| Noninterest expense to average assets | 2.3047% | 4,289 |
| Loan and lease loss provision to assets | 0.1048% | 2,017 |
| Net operating income to assets | 1.4540% | 986 |
| Return on assets (ROA) | 1.4540% | 1,000 |
| Pretax return on assets | 1.5243% | 1,690 |
| Return on Equity (ROE) | 17.5177% | 375 |
| Retained earnings to average equity (ytd only) | 5.8473% | 2,340 |
| Net charge-offs to loans | -0.0010% | 4,271 |
| Credit loss provision to net charge-offs | -15,800.0000% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5539% | 4,422 |
| Assets per employee ($millions) | 5.3402% | 2,077 |
| Cash dividends to net income (ytd only)* | 66.6210% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 1,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 66.5004% | 3,041 |
| Net loans and leases to deposits | 76.1343% | 3,363 |
| Net loans and leases to core deposits | 80.2598% | 3,432 |
| Total domestic deposits to total assets | 87.3463% | 1,701 |
| Equity capital to assets | 8.5020% | 5,286 |
| Core capital (leverage) ratio | 8.3899% | 5,322 |
| Tier 1 risk-based capital ratio | 10.6595% | 5,388 |
| Total risk-based capital ratio | 11.9111% | 5,317 |
| Memoranda: | ||
| Average total assets | $201,094,750 | 2,941 |
| Average earning assets | $189,560,750 | 2,899 |
| Average equity | $16,691,250 | 3,548 |
| Average total loans | $130,086,750 | 2,939 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 4,345 |
| Cost of funding earning assets | 0.2989% | 4,091 |
| Net interest margin | 3.3581% | 3,918 |
| Noninterest income to average assets | 0.7203% | 1,908 |
| Noninterest expense to average assets | 2.2964% | 4,361 |
| Loan and lease loss provision to assets | 0.0978% | 2,052 |
| Net operating income to assets | 1.4156% | 1,025 |
| Return on assets (ROA) | 1.4156% | 1,049 |
| Pretax return on assets | 1.4864% | 1,701 |
| Return on Equity (ROE) | 17.1958% | 398 |
| Retained earnings to average equity (ytd only) | 5.0897% | 2,649 |
| Net charge-offs to loans | -0.0016% | 4,162 |
| Credit loss provision to net charge-offs | -9,800.0000% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1260% | 4,453 |
| Assets per employee ($millions) | 5.2083% | 2,147 |
| Cash dividends to net income (ytd only)* | 70.4017% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 1,283 |
| Loan loss allowance to noncurrent loans | 14,446.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,275 |
| Noncurrent loans to loans | 0.0110% | 5,137 |
| Net loans and leases to total assets | 66.0209% | 3,105 |
| Net loans and leases to deposits | 77.3865% | 3,171 |
| Net loans and leases to core deposits | 80.2743% | 3,402 |
| Total domestic deposits to total assets | 85.3133% | 2,688 |
| Equity capital to assets | 8.3497% | 5,383 |
| Core capital (leverage) ratio | 8.2325% | 5,409 |
| Tier 1 risk-based capital ratio | 10.9239% | 5,293 |
| Total risk-based capital ratio | 12.1756% | 5,197 |
| Memoranda: | ||
| Average total assets | $200,483,670 | 2,965 |
| Average earning assets | $188,678,670 | 2,925 |
| Average equity | $16,504,000 | 3,577 |
| Average total loans | $127,724,000 | 2,977 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 4,564 |
| Cost of funding earning assets | 0.2683% | 4,374 |
| Net interest margin | 3.2759% | 4,100 |
| Noninterest income to average assets | 0.5162% | 2,865 |
| Noninterest expense to average assets | 2.2835% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2171% | 1,468 |
| Return on assets (ROA) | 1.2171% | 1,504 |
| Pretax return on assets | 1.2974% | 2,243 |
| Return on Equity (ROE) | 14.8931% | 660 |
| Retained earnings to average equity (ytd only) | 5.7262% | 2,478 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7128% | 3,886 |
| Assets per employee ($millions) | 5.0913% | 2,321 |
| Cash dividends to net income (ytd only)* | 61.5512% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,452 |
| Loan loss allowance to noncurrent loans | 2,553.0864% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,147 |
| Noncurrent loans to loans | 0.0615% | 4,953 |
| Net loans and leases to total assets | 63.6146% | 3,319 |
| Net loans and leases to deposits | 72.5763% | 3,557 |
| Net loans and leases to core deposits | 74.5633% | 3,783 |
| Total domestic deposits to total assets | 87.6520% | 1,916 |
| Equity capital to assets | 8.0775% | 5,485 |
| Core capital (leverage) ratio | 8.2857% | 5,387 |
| Tier 1 risk-based capital ratio | 10.9850% | 5,318 |
| Total risk-based capital ratio | 12.2360% | 5,232 |
| Memoranda: | ||
| Average total assets | $199,164,500 | 3,004 |
| Average earning assets | $186,333,000 | 2,982 |
| Average equity | $16,276,000 | 3,629 |
| Average total loans | $123,451,000 | 3,064 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 5,005 |
| Cost of funding earning assets | 0.2624% | 4,440 |
| Net interest margin | 3.1267% | 4,653 |
| Noninterest income to average assets | 0.6837% | 2,247 |
| Noninterest expense to average assets | 2.2042% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3455% | 1,104 |
| Return on assets (ROA) | 1.3455% | 1,163 |
| Pretax return on assets | 1.4136% | 1,886 |
| Return on Equity (ROE) | 15.4608% | 568 |
| Retained earnings to average equity (ytd only) | -0.8596% | 5,428 |
| Net charge-offs to loans | 0.0018% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,360.5000% | 46 |
| Efficiency ratio | 60.8702% | 4,442 |
| Assets per employee ($millions) | 5.1231% | 2,264 |
| Cash dividends to net income (ytd only)* | 105.5598% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 955 |
| Loan loss allowance to noncurrent loans | 975.4717% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,877 |
| Noncurrent loans to loans | 0.1839% | 4,503 |
| Net loans and leases to total assets | 58.1546% | 4,054 |
| Net loans and leases to deposits | 65.1151% | 4,324 |
| Net loans and leases to core deposits | 69.9757% | 4,249 |
| Total domestic deposits to total assets | 89.3104% | 949 |
| Equity capital to assets | 8.2712% | 5,437 |
| Core capital (leverage) ratio | 8.3904% | 5,377 |
| Tier 1 risk-based capital ratio | 11.9475% | 4,769 |
| Total risk-based capital ratio | 13.2000% | 4,647 |
| Memoranda: | ||
| Average total assets | $192,492,800 | 3,040 |
| Average earning assets | $180,636,400 | 3,008 |
| Average equity | $16,752,000 | 3,584 |
| Average total loans | $111,942,000 | 3,190 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3590% | 5,108 |
| Cost of funding earning assets | 0.2588% | 4,524 |
| Net interest margin | 3.1002% | 4,778 |
| Noninterest income to average assets | 0.6571% | 2,378 |
| Noninterest expense to average assets | 2.2117% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3087% | 1,266 |
| Return on assets (ROA) | 1.3087% | 1,359 |
| Pretax return on assets | 1.3656% | 2,174 |
| Return on Equity (ROE) | 14.8508% | 684 |
| Retained earnings to average equity (ytd only) | -3.4920% | 5,676 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7670% | 4,270 |
| Assets per employee ($millions) | 5.1550% | 2,182 |
| Cash dividends to net income (ytd only)* | 123.5137% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 1,028 |
| Loan loss allowance to noncurrent loans | 2,156.2500% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,267 |
| Noncurrent loans to loans | 0.0831% | 5,019 |
| Net loans and leases to total assets | 57.9011% | 4,107 |
| Net loans and leases to deposits | 67.0701% | 4,238 |
| Net loans and leases to core deposits | 69.1153% | 4,390 |
| Total domestic deposits to total assets | 86.3291% | 2,201 |
| Equity capital to assets | 8.6671% | 5,423 |
| Core capital (leverage) ratio | 8.3635% | 5,455 |
| Tier 1 risk-based capital ratio | 11.7734% | 4,935 |
| Total risk-based capital ratio | 13.0264% | 4,833 |
| Memoranda: | ||
| Average total assets | $191,947,000 | 3,054 |
| Average earning assets | $180,802,250 | 3,018 |
| Average equity | $16,914,500 | 3,595 |
| Average total loans | $111,107,250 | 3,210 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3395% | 5,204 |
| Cost of funding earning assets | 0.2571% | 4,578 |
| Net interest margin | 3.0824% | 4,881 |
| Noninterest income to average assets | 0.5644% | 2,825 |
| Noninterest expense to average assets | 2.2619% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1530% | 1,765 |
| Return on assets (ROA) | 1.1530% | 1,882 |
| Pretax return on assets | 1.2076% | 2,757 |
| Return on Equity (ROE) | 13.0111% | 1,028 |
| Retained earnings to average equity (ytd only) | -9.2699% | 5,869 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1346% | 3,823 |
| Assets per employee ($millions) | 5.5384% | 1,757 |
| Cash dividends to net income (ytd only)* | 171.2466% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.1898% | 4,288 |
| Net loans and leases to deposits | 65.6445% | 4,378 |
| Net loans and leases to core deposits | 67.7844% | 4,493 |
| Total domestic deposits to total assets | 85.5971% | 2,609 |
| Equity capital to assets | 8.6704% | 5,503 |
| Core capital (leverage) ratio | 8.2077% | 5,597 |
| Tier 1 risk-based capital ratio | 12.1489% | 4,736 |
| Total risk-based capital ratio | 13.4025% | 4,648 |
| Memoranda: | ||
| Average total assets | $190,632,330 | 3,081 |
| Average earning assets | $179,667,330 | 3,050 |
| Average equity | $16,893,330 | 3,600 |
| Average total loans | $109,645,330 | 3,237 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3336% | 5,253 |
| Cost of funding earning assets | 0.2582% | 4,627 |
| Net interest margin | 3.0754% | 4,934 |
| Noninterest income to average assets | 0.5565% | 2,767 |
| Noninterest expense to average assets | 2.3573% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0432% | 2,107 |
| Return on assets (ROA) | 1.0432% | 2,224 |
| Pretax return on assets | 1.0983% | 3,099 |
| Return on Equity (ROE) | 11.6435% | 1,414 |
| Retained earnings to average equity (ytd only) | 5.8336% | 2,451 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1568% | 3,442 |
| Assets per employee ($millions) | 4.9029% | 2,452 |
| Cash dividends to net income (ytd only)* | 49.8986% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 982 |
| Loan loss allowance to noncurrent loans | 1,617.1875% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 5,332 |
| Noncurrent loans to loans | 0.1170% | 5,009 |
| Net loans and leases to total assets | 56.1499% | 4,241 |
| Net loans and leases to deposits | 64.2539% | 4,425 |
| Net loans and leases to core deposits | 66.1799% | 4,525 |
| Total domestic deposits to total assets | 87.3875% | 2,003 |
| Equity capital to assets | 9.0160% | 5,160 |
| Core capital (leverage) ratio | 8.8364% | 5,043 |
| Tier 1 risk-based capital ratio | 13.1053% | 4,194 |
| Total risk-based capital ratio | 14.3593% | 4,115 |
| Memoranda: | ||
| Average total assets | $189,027,000 | 3,100 |
| Average earning assets | $178,185,500 | 3,072 |
| Average equity | $16,936,500 | 3,603 |
| Average total loans | $108,973,000 | 3,257 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 5,160 |
| Cost of funding earning assets | 0.2788% | 4,497 |
| Net interest margin | 3.1205% | 4,853 |
| Noninterest income to average assets | 0.6897% | 2,252 |
| Noninterest expense to average assets | 2.3893% | 4,537 |
| Loan and lease loss provision to assets | -0.1350% | 5,906 |
| Net operating income to assets | 1.2810% | 1,318 |
| Return on assets (ROA) | 1.2810% | 1,357 |
| Pretax return on assets | 1.3380% | 2,138 |
| Return on Equity (ROE) | 14.8135% | 719 |
| Retained earnings to average equity (ytd only) | 7.6276% | 1,056 |
| Net charge-offs to loans | -0.4016% | 6,060 |
| Credit loss provision to net charge-offs | 56.7873% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4370% | 3,836 |
| Assets per employee ($millions) | 4.7907% | 2,622 |
| Cash dividends to net income (ytd only)* | 48.5090% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.9683% | 4,204 |
| Net loans and leases to deposits | 64.3466% | 4,445 |
| Net loans and leases to core deposits | 65.8759% | 4,605 |
| Total domestic deposits to total assets | 88.5334% | 1,361 |
| Equity capital to assets | 8.9023% | 5,220 |
| Core capital (leverage) ratio | 8.8328% | 5,072 |
| Tier 1 risk-based capital ratio | 12.9890% | 4,327 |
| Total risk-based capital ratio | 14.2434% | 4,233 |
| Memoranda: | ||
| Average total assets | $185,870,800 | 3,104 |
| Average earning assets | $172,888,200 | 3,081 |
| Average equity | $16,073,200 | 3,669 |
| Average total loans | $110,070,000 | 3,200 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3505% | 5,318 |
| Cost of funding earning assets | 0.2816% | 4,539 |
| Net interest margin | 3.0689% | 5,036 |
| Noninterest income to average assets | 0.6881% | 2,290 |
| Noninterest expense to average assets | 2.3746% | 4,583 |
| Loan and lease loss provision to assets | 0.1257% | 1,802 |
| Net operating income to assets | 0.9689% | 2,624 |
| Return on assets (ROA) | 0.9689% | 2,709 |
| Pretax return on assets | 1.0372% | 3,479 |
| Return on Equity (ROE) | 11.2885% | 1,600 |
| Retained earnings to average equity (ytd only) | 5.0376% | 2,888 |
| Net charge-offs to loans | -0.0193% | 5,199 |
| Credit loss provision to net charge-offs | -1,093.7500% | 5,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0457% | 3,699 |
| Assets per employee ($millions) | 4.7317% | 2,651 |
| Cash dividends to net income (ytd only)* | 55.3747% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8326% | 1,199 |
| Loan loss allowance to noncurrent loans | 173.8035% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 3,324 |
| Noncurrent loans to loans | 1.0544% | 2,377 |
| Net loans and leases to total assets | 60.0883% | 3,874 |
| Net loans and leases to deposits | 68.2951% | 4,162 |
| Net loans and leases to core deposits | 70.3342% | 4,343 |
| Total domestic deposits to total assets | 87.9833% | 1,567 |
| Equity capital to assets | 8.8401% | 5,449 |
| Core capital (leverage) ratio | 8.4396% | 5,596 |
| Tier 1 risk-based capital ratio | 12.1827% | 4,978 |
| Total risk-based capital ratio | 13.4365% | 4,874 |
| Memoranda: | ||
| Average total assets | $185,628,750 | 3,132 |
| Average earning assets | $172,350,000 | 3,111 |
| Average equity | $15,933,250 | 3,721 |
| Average total loans | $110,460,250 | 3,223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2966% | 5,444 |
| Cost of funding earning assets | 0.2815% | 4,597 |
| Net interest margin | 3.0152% | 5,187 |
| Noninterest income to average assets | 0.7086% | 2,177 |
| Noninterest expense to average assets | 2.3625% | 4,687 |
| Loan and lease loss provision to assets | 0.1398% | 1,559 |
| Net operating income to assets | 0.9387% | 2,696 |
| Return on assets (ROA) | 0.9387% | 2,816 |
| Pretax return on assets | 1.0054% | 3,568 |
| Return on Equity (ROE) | 11.0460% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.6179% | 2,454 |
| Net charge-offs to loans | -0.0274% | 5,289 |
| Credit loss provision to net charge-offs | -866.6667% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2594% | 3,793 |
| Assets per employee ($millions) | 4.6236% | 2,791 |
| Cash dividends to net income (ytd only)* | 49.1409% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 1,374 |
| Loan loss allowance to noncurrent loans | 166.3106% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6580% | 3,427 |
| Noncurrent loans to loans | 1.0824% | 2,486 |
| Net loans and leases to total assets | 59.6998% | 3,879 |
| Net loans and leases to deposits | 67.9735% | 4,137 |
| Net loans and leases to core deposits | 70.2188% | 4,306 |
| Total domestic deposits to total assets | 87.8281% | 1,741 |
| Equity capital to assets | 8.5578% | 5,632 |
| Core capital (leverage) ratio | 8.3733% | 5,656 |
| Tier 1 risk-based capital ratio | 12.0658% | 5,097 |
| Total risk-based capital ratio | 13.3193% | 4,991 |
| Memoranda: | ||
| Average total assets | $185,993,330 | 3,148 |
| Average earning assets | $172,661,000 | 3,128 |
| Average equity | $15,806,670 | 3,755 |
| Average total loans | $109,629,000 | 3,258 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 5,643 |
| Cost of funding earning assets | 0.2826% | 4,641 |
| Net interest margin | 2.9208% | 5,406 |
| Noninterest income to average assets | 0.5705% | 2,829 |
| Noninterest expense to average assets | 2.3504% | 4,739 |
| Loan and lease loss provision to assets | 0.1608% | 1,257 |
| Net operating income to assets | 0.7013% | 3,789 |
| Return on assets (ROA) | 0.7013% | 3,919 |
| Pretax return on assets | 0.7635% | 4,372 |
| Return on Equity (ROE) | 8.2803% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.5207% | 1,755 |
| Net charge-offs to loans | -0.0037% | 4,436 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7092% | 3,215 |
| Assets per employee ($millions) | 4.9746% | 2,392 |
| Cash dividends to net income (ytd only)* | 9.1743% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 1,514 |
| Loan loss allowance to noncurrent loans | 156.5252% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 3,510 |
| Noncurrent loans to loans | 1.1433% | 2,486 |
| Net loans and leases to total assets | 56.7586% | 4,116 |
| Net loans and leases to deposits | 63.3221% | 4,450 |
| Net loans and leases to core deposits | 65.3234% | 4,586 |
| Total domestic deposits to total assets | 89.6347% | 932 |
| Equity capital to assets | 8.4800% | 5,755 |
| Core capital (leverage) ratio | 8.3823% | 5,654 |
| Tier 1 risk-based capital ratio | 12.0801% | 5,186 |
| Total risk-based capital ratio | 13.3330% | 5,091 |
| Memoranda: | ||
| Average total assets | $186,519,000 | 3,160 |
| Average earning assets | $172,693,000 | 3,141 |
| Average equity | $15,796,500 | 3,780 |
| Average total loans | $108,226,500 | 3,298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,478 |
| Cost of funding earning assets | 0.3272% | 4,524 |
| Net interest margin | 3.0966% | 5,215 |
| Noninterest income to average assets | 0.7341% | 2,148 |
| Noninterest expense to average assets | 2.4448% | 4,717 |
| Loan and lease loss provision to assets | 0.1169% | 2,223 |
| Net operating income to assets | 0.9650% | 2,559 |
| Return on assets (ROA) | 0.9650% | 2,641 |
| Pretax return on assets | 1.0112% | 3,448 |
| Return on Equity (ROE) | 11.2717% | 1,628 |
| Retained earnings to average equity (ytd only) | 2.7237% | 4,304 |
| Net charge-offs to loans | 0.1825% | 2,206 |
| Credit loss provision to net charge-offs | 107.1429% | 2,230 |
| Earnings coverage of net charge-offs (x) | 10.3418% | 2,620 |
| Efficiency ratio | 68.3178% | 3,845 |
| Assets per employee ($millions) | 4.7181% | 2,698 |
| Cash dividends to net income (ytd only)* | 75.8362% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 1,649 |
| Loan loss allowance to noncurrent loans | 147.2571% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 3,493 |
| Noncurrent loans to loans | 1.1902% | 2,461 |
| Net loans and leases to total assets | 57.2411% | 4,164 |
| Net loans and leases to deposits | 63.4869% | 4,582 |
| Net loans and leases to core deposits | 65.5322% | 4,703 |
| Total domestic deposits to total assets | 90.1622% | 665 |
| Equity capital to assets | 8.4580% | 5,787 |
| Core capital (leverage) ratio | 8.5473% | 5,502 |
| Tier 1 risk-based capital ratio | 12.5045% | 5,037 |
| Total risk-based capital ratio | 13.7581% | 4,950 |
| Memoranda: | ||
| Average total assets | $179,687,800 | 3,211 |
| Average earning assets | $164,731,200 | 3,221 |
| Average equity | $15,383,600 | 3,765 |
| Average total loans | $107,415,600 | 3,278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 5,539 |
| Cost of funding earning assets | 0.3323% | 4,541 |
| Net interest margin | 3.0973% | 5,266 |
| Noninterest income to average assets | 0.6606% | 2,520 |
| Noninterest expense to average assets | 2.4448% | 4,678 |
| Loan and lease loss provision to assets | 0.1008% | 2,354 |
| Net operating income to assets | 0.9077% | 2,878 |
| Return on assets (ROA) | 0.9077% | 2,971 |
| Pretax return on assets | 0.9540% | 3,781 |
| Return on Equity (ROE) | 10.5699% | 1,960 |
| Retained earnings to average equity (ytd only) | 3.3031% | 4,270 |
| Net charge-offs to loans | 0.2519% | 1,536 |
| Credit loss provision to net charge-offs | 66.5025% | 2,827 |
| Earnings coverage of net charge-offs (x) | 6.9606% | 2,995 |
| Efficiency ratio | 69.7526% | 3,553 |
| Assets per employee ($millions) | 4.2070% | 3,470 |
| Cash dividends to net income (ytd only)* | 68.7502% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 2,167 |
| Loan loss allowance to noncurrent loans | 138.2308% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 3,554 |
| Noncurrent loans to loans | 1.1863% | 2,685 |
| Net loans and leases to total assets | 62.4907% | 3,409 |
| Net loans and leases to deposits | 70.4914% | 3,867 |
| Net loans and leases to core deposits | 72.8369% | 4,071 |
| Total domestic deposits to total assets | 88.6500% | 1,424 |
| Equity capital to assets | 8.9799% | 5,375 |
| Core capital (leverage) ratio | 8.6384% | 5,514 |
| Tier 1 risk-based capital ratio | 12.2835% | 5,311 |
| Total risk-based capital ratio | 13.5362% | 5,232 |
| Memoranda: | ||
| Average total assets | $178,608,750 | 3,247 |
| Average earning assets | $163,706,500 | 3,266 |
| Average equity | $15,338,750 | 3,798 |
| Average total loans | $107,468,250 | 3,295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 5,660 |
| Cost of funding earning assets | 0.3327% | 4,613 |
| Net interest margin | 3.0493% | 5,398 |
| Noninterest income to average assets | 0.6687% | 2,434 |
| Noninterest expense to average assets | 2.4124% | 4,847 |
| Loan and lease loss provision to assets | 0.0996% | 2,361 |
| Net operating income to assets | 0.8912% | 2,853 |
| Return on assets (ROA) | 0.8912% | 2,951 |
| Pretax return on assets | 0.9366% | 3,736 |
| Return on Equity (ROE) | 10.5307% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.7428% | 2,488 |
| Net charge-offs to loans | -0.1236% | 6,205 |
| Credit loss provision to net charge-offs | -136.3636% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8555% | 3,677 |
| Assets per employee ($millions) | 4.4924% | 2,934 |
| Cash dividends to net income (ytd only)* | 45.4658% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 1,759 |
| Loan loss allowance to noncurrent loans | 126.4706% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 3,323 |
| Noncurrent loans to loans | 1.4474% | 2,386 |
| Net loans and leases to total assets | 60.3149% | 3,670 |
| Net loans and leases to deposits | 68.6088% | 3,979 |
| Net loans and leases to core deposits | 70.8096% | 4,171 |
| Total domestic deposits to total assets | 87.9113% | 1,953 |
| Equity capital to assets | 8.7197% | 5,600 |
| Core capital (leverage) ratio | 8.5021% | 5,637 |
| Tier 1 risk-based capital ratio | 12.3448% | 5,337 |
| Total risk-based capital ratio | 13.5553% | 5,275 |
| Memoranda: | ||
| Average total assets | $180,650,000 | 3,243 |
| Average earning assets | $164,696,000 | 3,259 |
| Average equity | $15,288,670 | 3,804 |
| Average total loans | $106,763,000 | 3,316 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 5,816 |
| Cost of funding earning assets | 0.3378% | 4,664 |
| Net interest margin | 2.9748% | 5,581 |
| Noninterest income to average assets | 0.6161% | 2,642 |
| Noninterest expense to average assets | 2.4027% | 4,918 |
| Loan and lease loss provision to assets | 0.0994% | 2,271 |
| Net operating income to assets | 0.7729% | 3,291 |
| Return on assets (ROA) | 0.7729% | 3,373 |
| Pretax return on assets | 0.8171% | 4,041 |
| Return on Equity (ROE) | 9.2724% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.4247% | 1,445 |
| Net charge-offs to loans | -0.2516% | 6,441 |
| Credit loss provision to net charge-offs | -68.1818% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2555% | 3,441 |
| Assets per employee ($millions) | 4.7531% | 2,593 |
| Cash dividends to net income (ytd only)* | 9.1429% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 1,976 |
| Loan loss allowance to noncurrent loans | 122.8092% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 3,560 |
| Noncurrent loans to loans | 1.4838% | 2,563 |
| Net loans and leases to total assets | 57.4299% | 3,934 |
| Net loans and leases to deposits | 63.7670% | 4,334 |
| Net loans and leases to core deposits | 65.6093% | 4,536 |
| Total domestic deposits to total assets | 90.0621% | 1,039 |
| Equity capital to assets | 8.2699% | 5,849 |
| Core capital (leverage) ratio | 8.4303% | 5,721 |
| Tier 1 risk-based capital ratio | 12.3793% | 5,384 |
| Total risk-based capital ratio | 13.5996% | 5,341 |
| Memoranda: | ||
| Average total assets | $181,126,500 | 3,261 |
| Average earning assets | $164,583,500 | 3,283 |
| Average equity | $15,098,500 | 3,847 |
| Average total loans | $104,942,000 | 3,367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 5,909 |
| Cost of funding earning assets | 0.3676% | 4,982 |
| Net interest margin | 2.9924% | 5,593 |
| Noninterest income to average assets | 0.6901% | 2,597 |
| Noninterest expense to average assets | 2.5019% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8777% | 2,893 |
| Return on assets (ROA) | 0.8777% | 2,980 |
| Pretax return on assets | 0.9232% | 3,669 |
| Return on Equity (ROE) | 10.3330% | 1,979 |
| Retained earnings to average equity (ytd only) | 2.6836% | 4,326 |
| Net charge-offs to loans | 0.1243% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.2033% | 2,050 |
| Efficiency ratio | 72.8963% | 3,307 |
| Assets per employee ($millions) | 4.4220% | 3,047 |
| Cash dividends to net income (ytd only)* | 74.0285% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 1,950 |
| Loan loss allowance to noncurrent loans | 113.3050% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 3,576 |
| Noncurrent loans to loans | 1.6225% | 2,468 |
| Net loans and leases to total assets | 56.3000% | 4,272 |
| Net loans and leases to deposits | 62.2641% | 4,695 |
| Net loans and leases to core deposits | 64.1393% | 4,853 |
| Total domestic deposits to total assets | 90.4212% | 861 |
| Equity capital to assets | 8.4051% | 5,690 |
| Core capital (leverage) ratio | 8.5187% | 5,647 |
| Tier 1 risk-based capital ratio | 12.8888% | 5,056 |
| Total risk-based capital ratio | 14.1180% | 5,016 |
| Memoranda: | ||
| Average total assets | $175,909,800 | 3,321 |
| Average earning assets | $160,773,400 | 3,326 |
| Average equity | $14,942,400 | 3,883 |
| Average total loans | $98,934,600 | 3,471 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,928 |
| Cost of funding earning assets | 0.3714% | 5,085 |
| Net interest margin | 3.0066% | 5,576 |
| Noninterest income to average assets | 0.6740% | 2,756 |
| Noninterest expense to average assets | 2.4720% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8918% | 2,874 |
| Return on assets (ROA) | 0.8918% | 2,990 |
| Pretax return on assets | 0.9487% | 3,693 |
| Return on Equity (ROE) | 10.4713% | 2,013 |
| Retained earnings to average equity (ytd only) | 1.3991% | 5,423 |
| Net charge-offs to loans | -0.1044% | 6,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1101% | 3,383 |
| Assets per employee ($millions) | 4.1765% | 3,472 |
| Cash dividends to net income (ytd only)* | 86.6382% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 1,498 |
| Loan loss allowance to noncurrent loans | 111.8093% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 3,506 |
| Noncurrent loans to loans | 1.8809% | 2,398 |
| Net loans and leases to total assets | 56.1105% | 4,307 |
| Net loans and leases to deposits | 61.7692% | 4,791 |
| Net loans and leases to core deposits | 63.6844% | 4,928 |
| Total domestic deposits to total assets | 90.8390% | 597 |
| Equity capital to assets | 8.5729% | 5,657 |
| Core capital (leverage) ratio | 8.5524% | 5,719 |
| Tier 1 risk-based capital ratio | 13.0176% | 5,108 |
| Total risk-based capital ratio | 14.2480% | 5,077 |
| Memoranda: | ||
| Average total assets | $175,667,000 | 3,352 |
| Average earning assets | $160,487,000 | 3,361 |
| Average equity | $14,961,250 | 3,921 |
| Average total loans | $98,306,000 | 3,518 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4533% | 5,784 |
| Cost of funding earning assets | 0.3690% | 5,235 |
| Net interest margin | 3.0842% | 5,321 |
| Noninterest income to average assets | 0.7192% | 2,554 |
| Noninterest expense to average assets | 2.4974% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9958% | 2,345 |
| Return on assets (ROA) | 0.9958% | 2,486 |
| Pretax return on assets | 1.0432% | 3,318 |
| Return on Equity (ROE) | 11.7170% | 1,577 |
| Retained earnings to average equity (ytd only) | 2.1388% | 4,915 |
| Net charge-offs to loans | -0.1566% | 6,602 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4082% | 3,749 |
| Assets per employee ($millions) | 4.4848% | 2,834 |
| Cash dividends to net income (ytd only)* | 81.7460% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1383% | 1,546 |
| Loan loss allowance to noncurrent loans | 107.8892% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 3,492 |
| Noncurrent loans to loans | 1.9820% | 2,422 |
| Net loans and leases to total assets | 55.4538% | 4,380 |
| Net loans and leases to deposits | 60.8139% | 4,885 |
| Net loans and leases to core deposits | 62.6943% | 5,038 |
| Total domestic deposits to total assets | 91.1860% | 481 |
| Equity capital to assets | 8.4742% | 5,792 |
| Core capital (leverage) ratio | 8.2647% | 5,932 |
| Tier 1 risk-based capital ratio | 13.3917% | 4,844 |
| Total risk-based capital ratio | 14.6181% | 4,813 |
| Memoranda: | ||
| Average total assets | $177,143,670 | 3,348 |
| Average earning assets | $162,049,670 | 3,356 |
| Average equity | $15,055,000 | 3,934 |
| Average total loans | $98,359,330 | 3,535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 5,770 |
| Cost of funding earning assets | 0.3721% | 5,346 |
| Net interest margin | 3.1036% | 5,251 |
| Noninterest income to average assets | 0.6781% | 2,706 |
| Noninterest expense to average assets | 2.5019% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9839% | 2,299 |
| Return on assets (ROA) | 0.9839% | 2,421 |
| Pretax return on assets | 1.0039% | 3,331 |
| Return on Equity (ROE) | 11.5614% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.4367% | 1,589 |
| Net charge-offs to loans | -0.3023% | 6,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2389% | 3,757 |
| Assets per employee ($millions) | 4.2002% | 3,538 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 1,651 |
| Loan loss allowance to noncurrent loans | 211.5897% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 5,044 |
| Noncurrent loans to loans | 1.0239% | 4,086 |
| Net loans and leases to total assets | 51.5824% | 4,757 |
| Net loans and leases to deposits | 56.6617% | 5,176 |
| Net loans and leases to core deposits | 58.5005% | 5,292 |
| Total domestic deposits to total assets | 91.0358% | 511 |
| Equity capital to assets | 8.5633% | 5,947 |
| Core capital (leverage) ratio | 8.1998% | 5,931 |
| Tier 1 risk-based capital ratio | 13.5481% | 4,836 |
| Total risk-based capital ratio | 14.7560% | 4,826 |
| Memoranda: | ||
| Average total assets | $180,504,000 | 3,339 |
| Average earning assets | $164,452,000 | 3,367 |
| Average equity | $15,361,500 | 3,931 |
| Average total loans | $99,253,500 | 3,525 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 5,546 |
| Cost of funding earning assets | 0.4739% | 5,390 |
| Net interest margin | 3.4361% | 4,759 |
| Noninterest income to average assets | 0.8197% | 2,179 |
| Noninterest expense to average assets | 2.5391% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3217% | 1,254 |
| Return on assets (ROA) | 1.3228% | 1,381 |
| Pretax return on assets | 1.3923% | 2,066 |
| Return on Equity (ROE) | 15.1900% | 783 |
| Retained earnings to average equity (ytd only) | 5.3182% | 2,490 |
| Net charge-offs to loans | 0.0280% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 85.8214% | 453 |
| Efficiency ratio | 64.4425% | 4,809 |
| Assets per employee ($millions) | 4.1953% | 3,558 |
| Cash dividends to net income (ytd only)* | 64.9891% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 2,215 |
| Loan loss allowance to noncurrent loans | 82.2167% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 3,396 |
| Noncurrent loans to loans | 2.3412% | 2,296 |
| Net loans and leases to total assets | 56.1497% | 4,266 |
| Net loans and leases to deposits | 61.7277% | 4,812 |
| Net loans and leases to core deposits | 63.6281% | 5,003 |
| Total domestic deposits to total assets | 90.9634% | 508 |
| Equity capital to assets | 8.4573% | 6,079 |
| Core capital (leverage) ratio | 8.1996% | 5,999 |
| Tier 1 risk-based capital ratio | 12.6153% | 5,387 |
| Total risk-based capital ratio | 13.8428% | 5,351 |
| Memoranda: | ||
| Average total assets | $172,739,800 | 3,406 |
| Average earning assets | $156,371,400 | 3,435 |
| Average equity | $15,042,800 | 3,959 |
| Average total loans | $100,053,000 | 3,523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 5,649 |
| Cost of funding earning assets | 0.4981% | 5,448 |
| Net interest margin | 3.4554% | 4,828 |
| Noninterest income to average assets | 0.7430% | 2,517 |
| Noninterest expense to average assets | 2.5304% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3066% | 1,428 |
| Return on assets (ROA) | 1.3081% | 1,563 |
| Pretax return on assets | 1.3495% | 2,411 |
| Return on Equity (ROE) | 14.9081% | 922 |
| Retained earnings to average equity (ytd only) | 6.4934% | 2,382 |
| Net charge-offs to loans | 0.0457% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 50.7966% | 747 |
| Efficiency ratio | 65.0835% | 4,616 |
| Assets per employee ($millions) | 4.2414% | 3,384 |
| Cash dividends to net income (ytd only)* | 56.4439% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 2,417 |
| Loan loss allowance to noncurrent loans | 89.0386% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 3,568 |
| Noncurrent loans to loans | 2.1540% | 2,671 |
| Net loans and leases to total assets | 59.7435% | 3,828 |
| Net loans and leases to deposits | 66.0840% | 4,462 |
| Net loans and leases to core deposits | 68.6807% | 4,653 |
| Total domestic deposits to total assets | 90.4053% | 628 |
| Equity capital to assets | 9.0978% | 5,714 |
| Core capital (leverage) ratio | 8.2842% | 6,040 |
| Tier 1 risk-based capital ratio | 12.7208% | 5,464 |
| Total risk-based capital ratio | 13.9529% | 5,445 |
| Memoranda: | ||
| Average total assets | $170,824,750 | 3,473 |
| Average earning assets | $154,998,750 | 3,498 |
| Average equity | $14,989,250 | 4,008 |
| Average total loans | $99,245,750 | 3,581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 5,853 |
| Cost of funding earning assets | 0.5191% | 5,486 |
| Net interest margin | 3.4055% | 5,057 |
| Noninterest income to average assets | 0.6997% | 2,675 |
| Noninterest expense to average assets | 2.5348% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2138% | 1,668 |
| Return on assets (ROA) | 1.2160% | 1,853 |
| Pretax return on assets | 1.2476% | 2,731 |
| Return on Equity (ROE) | 14.0290% | 1,113 |
| Retained earnings to average equity (ytd only) | 6.3205% | 2,493 |
| Net charge-offs to loans | 0.0756% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 28.8108% | 1,101 |
| Efficiency ratio | 66.8727% | 4,343 |
| Assets per employee ($millions) | 4.1073% | 3,652 |
| Cash dividends to net income (ytd only)* | 54.9472% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 2,583 |
| Loan loss allowance to noncurrent loans | 195.1677% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,176 |
| Noncurrent loans to loans | 0.9699% | 4,576 |
| Net loans and leases to total assets | 59.4590% | 3,920 |
| Net loans and leases to deposits | 66.5695% | 4,435 |
| Net loans and leases to core deposits | 68.9627% | 4,671 |
| Total domestic deposits to total assets | 89.3187% | 1,318 |
| Equity capital to assets | 8.6843% | 6,044 |
| Core capital (leverage) ratio | 8.0646% | 6,202 |
| Tier 1 risk-based capital ratio | 12.1953% | 5,799 |
| Total risk-based capital ratio | 13.4153% | 5,798 |
| Memoranda: | ||
| Average total assets | $171,214,000 | 3,482 |
| Average earning assets | $154,869,000 | 3,520 |
| Average equity | $14,840,670 | 4,021 |
| Average total loans | $97,880,670 | 3,625 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 6,126 |
| Cost of funding earning assets | 0.5427% | 5,544 |
| Net interest margin | 3.3140% | 5,422 |
| Noninterest income to average assets | 0.7082% | 2,623 |
| Noninterest expense to average assets | 2.5327% | 5,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0811% | 2,168 |
| Return on assets (ROA) | 1.0811% | 2,345 |
| Pretax return on assets | 1.1397% | 3,164 |
| Return on Equity (ROE) | 12.4843% | 1,532 |
| Retained earnings to average equity (ytd only) | 9.1263% | 1,541 |
| Net charge-offs to loans | 0.1777% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.5714% | 1,663 |
| Efficiency ratio | 68.7739% | 4,021 |
| Assets per employee ($millions) | 4.1565% | 3,676 |
| Cash dividends to net income (ytd only)* | 26.8980% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 2,179 |
| Loan loss allowance to noncurrent loans | 268.2065% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 5,806 |
| Noncurrent loans to loans | 0.7701% | 5,121 |
| Net loans and leases to total assets | 53.6113% | 4,787 |
| Net loans and leases to deposits | 58.8022% | 5,294 |
| Net loans and leases to core deposits | 61.3561% | 5,398 |
| Total domestic deposits to total assets | 91.1723% | 485 |
| Equity capital to assets | 8.5413% | 6,051 |
| Core capital (leverage) ratio | 8.0708% | 6,192 |
| Tier 1 risk-based capital ratio | 12.6571% | 5,480 |
| Total risk-based capital ratio | 13.8793% | 5,465 |
| Memoranda: | ||
| Average total assets | $170,567,500 | 3,510 |
| Average earning assets | $152,565,000 | 3,572 |
| Average equity | $14,770,500 | 4,040 |
| Average total loans | $94,546,000 | 3,717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 5,743 |
| Cost of funding earning assets | 0.7087% | 5,485 |
| Net interest margin | 3.5982% | 4,743 |
| Noninterest income to average assets | 0.7049% | 2,579 |
| Noninterest expense to average assets | 2.7220% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1579% | 1,645 |
| Return on assets (ROA) | 1.1590% | 1,750 |
| Pretax return on assets | 1.2223% | 2,382 |
| Return on Equity (ROE) | 13.0203% | 1,164 |
| Retained earnings to average equity (ytd only) | 5.0813% | 2,578 |
| Net charge-offs to loans | -0.0796% | 7,112 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8120% | 4,187 |
| Assets per employee ($millions) | 4.1640% | 3,526 |
| Cash dividends to net income (ytd only)* | 60.9743% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1556% | 1,886 |
| Loan loss allowance to noncurrent loans | 892.0354% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 6,615 |
| Noncurrent loans to loans | 0.2416% | 6,249 |
| Net loans and leases to total assets | 54.9412% | 4,891 |
| Net loans and leases to deposits | 60.5013% | 5,435 |
| Net loans and leases to core deposits | 63.5398% | 5,519 |
| Total domestic deposits to total assets | 90.8099% | 583 |
| Equity capital to assets | 8.7836% | 5,814 |
| Core capital (leverage) ratio | 8.2301% | 5,952 |
| Tier 1 risk-based capital ratio | 12.7332% | 5,284 |
| Total risk-based capital ratio | 13.9580% | 5,280 |
| Memoranda: | ||
| Average total assets | $161,169,000 | 3,616 |
| Average earning assets | $145,044,800 | 3,656 |
| Average equity | $14,346,800 | 4,038 |
| Average total loans | $90,400,400 | 3,838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 5,818 |
| Cost of funding earning assets | 0.7420% | 5,507 |
| Net interest margin | 3.5968% | 4,784 |
| Noninterest income to average assets | 0.6641% | 2,807 |
| Noninterest expense to average assets | 2.7213% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1380% | 1,847 |
| Return on assets (ROA) | 1.1396% | 1,961 |
| Pretax return on assets | 1.2038% | 2,616 |
| Return on Equity (ROE) | 12.7577% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.4802% | 1,320 |
| Net charge-offs to loans | -0.0997% | 7,164 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1474% | 4,105 |
| Assets per employee ($millions) | 3.7795% | 4,345 |
| Cash dividends to net income (ytd only)* | 33.5284% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1619% | 1,939 |
| Loan loss allowance to noncurrent loans | 161.3965% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 5,026 |
| Noncurrent loans to loans | 1.3395% | 4,291 |
| Net loans and leases to total assets | 57.3337% | 4,618 |
| Net loans and leases to deposits | 63.5911% | 5,227 |
| Net loans and leases to core deposits | 66.6615% | 5,347 |
| Total domestic deposits to total assets | 90.1599% | 784 |
| Equity capital to assets | 9.4577% | 5,151 |
| Core capital (leverage) ratio | 8.5303% | 5,664 |
| Tier 1 risk-based capital ratio | 13.3317% | 4,856 |
| Total risk-based capital ratio | 14.5902% | 4,822 |
| Memoranda: | ||
| Average total assets | $159,821,250 | 3,655 |
| Average earning assets | $144,828,500 | 3,685 |
| Average equity | $14,276,000 | 4,078 |
| Average total loans | $89,619,000 | 3,905 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 5,870 |
| Cost of funding earning assets | 0.7593% | 5,628 |
| Net interest margin | 3.5816% | 4,781 |
| Noninterest income to average assets | 0.6355% | 2,921 |
| Noninterest expense to average assets | 2.7356% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0814% | 1,929 |
| Return on assets (ROA) | 1.0838% | 2,014 |
| Pretax return on assets | 1.1474% | 2,674 |
| Return on Equity (ROE) | 12.3732% | 1,389 |
| Retained earnings to average equity (ytd only) | 8.2108% | 1,378 |
| Net charge-offs to loans | -0.2396% | 7,318 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2703% | 4,057 |
| Assets per employee ($millions) | 3.8836% | 4,026 |
| Cash dividends to net income (ytd only)* | 33.6406% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,858 |
| Loan loss allowance to noncurrent loans | 699.6587% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 6,209 |
| Noncurrent loans to loans | 0.3189% | 6,273 |
| Net loans and leases to total assets | 55.0714% | 5,135 |
| Net loans and leases to deposits | 60.9181% | 5,626 |
| Net loans and leases to core deposits | 62.3260% | 5,874 |
| Total domestic deposits to total assets | 90.4023% | 755 |
| Equity capital to assets | 9.0091% | 5,566 |
| Core capital (leverage) ratio | 8.1323% | 6,118 |
| Tier 1 risk-based capital ratio | 12.9966% | 4,917 |
| Total risk-based capital ratio | 14.2555% | 4,893 |
| Memoranda: | ||
| Average total assets | $160,182,000 | 3,685 |
| Average earning assets | $145,132,000 | 3,708 |
| Average equity | $14,030,330 | 4,114 |
| Average total loans | $88,484,670 | 3,977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 5,948 |
| Cost of funding earning assets | 0.7747% | 5,718 |
| Net interest margin | 3.5459% | 4,827 |
| Noninterest income to average assets | 0.5973% | 3,188 |
| Noninterest expense to average assets | 2.8882% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8644% | 2,726 |
| Return on assets (ROA) | 0.8644% | 2,785 |
| Pretax return on assets | 0.9274% | 3,406 |
| Return on Equity (ROE) | 10.0161% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.5119% | 2,368 |
| Net charge-offs to loans | -0.6406% | 7,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4293% | 3,257 |
| Assets per employee ($millions) | 3.7545% | 4,408 |
| Cash dividends to net income (ytd only)* | 34.9854% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 1,707 |
| Loan loss allowance to noncurrent loans | 572.2527% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 6,250 |
| Noncurrent loans to loans | 0.4085% | 6,181 |
| Net loans and leases to total assets | 53.9104% | 5,315 |
| Net loans and leases to deposits | 59.4105% | 5,776 |
| Net loans and leases to core deposits | 60.7512% | 6,045 |
| Total domestic deposits to total assets | 90.7422% | 748 |
| Equity capital to assets | 8.5765% | 5,802 |
| Core capital (leverage) ratio | 8.1110% | 6,112 |
| Tier 1 risk-based capital ratio | 12.7606% | 5,002 |
| Total risk-based capital ratio | 14.0219% | 4,974 |
| Memoranda: | ||
| Average total assets | $158,717,000 | 3,730 |
| Average earning assets | $144,054,000 | 3,752 |
| Average equity | $13,698,000 | 4,170 |
| Average total loans | $86,788,000 | 4,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 6,177 |
| Cost of funding earning assets | 0.9091% | 6,137 |
| Net interest margin | 3.6669% | 4,504 |
| Noninterest income to average assets | 0.7185% | 2,725 |
| Noninterest expense to average assets | 2.9612% | 3,996 |
| Loan and lease loss provision to assets | 0.0065% | 7,011 |
| Net operating income to assets | 0.9928% | 2,063 |
| Return on assets (ROA) | 1.0498% | 1,972 |
| Pretax return on assets | 1.1168% | 2,516 |
| Return on Equity (ROE) | 11.7025% | 1,388 |
| Retained earnings to average equity (ytd only) | 1.3930% | 4,840 |
| Net charge-offs to loans | -0.0097% | 7,310 |
| Credit loss provision to net charge-offs | -125.0000% | 7,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3258% | 3,523 |
| Assets per employee ($millions) | 3.8047% | 4,245 |
| Cash dividends to net income (ytd only)* | 88.0967% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3017% | 1,691 |
| Loan loss allowance to noncurrent loans | 165.4468% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 5,191 |
| Noncurrent loans to loans | 1.3912% | 4,399 |
| Net loans and leases to total assets | 52.8969% | 5,800 |
| Net loans and leases to deposits | 58.3174% | 6,224 |
| Net loans and leases to core deposits | 59.6836% | 6,419 |
| Total domestic deposits to total assets | 90.7053% | 746 |
| Equity capital to assets | 8.6863% | 5,606 |
| Core capital (leverage) ratio | 8.2973% | 5,692 |
| Tier 1 risk-based capital ratio | 13.2065% | 4,449 |
| Total risk-based capital ratio | 14.4659% | 4,392 |
| Memoranda: | ||
| Average total assets | $153,652,800 | 3,813 |
| Average earning assets | $138,482,000 | 3,845 |
| Average equity | $13,783,400 | 4,188 |
| Average total loans | $82,643,600 | 4,254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 6,097 |
| Cost of funding earning assets | 0.9350% | 6,251 |
| Net interest margin | 3.7427% | 4,216 |
| Noninterest income to average assets | 0.6681% | 3,022 |
| Noninterest expense to average assets | 2.9346% | 3,967 |
| Loan and lease loss provision to assets | 0.0087% | 6,936 |
| Net operating income to assets | 1.0353% | 2,123 |
| Return on assets (ROA) | 1.1115% | 1,960 |
| Pretax return on assets | 1.1785% | 2,571 |
| Return on Equity (ROE) | 12.2910% | 1,426 |
| Retained earnings to average equity (ytd only) | 0.7899% | 5,493 |
| Net charge-offs to loans | -0.0097% | 7,268 |
| Credit loss provision to net charge-offs | -166.6667% | 6,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3588% | 3,637 |
| Assets per employee ($millions) | 3.7981% | 4,273 |
| Cash dividends to net income (ytd only)* | 93.5737% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3246% | 1,585 |
| Loan loss allowance to noncurrent loans | 127.3443% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.2361% | 4,681 |
| Noncurrent loans to loans | 1.8255% | 3,905 |
| Net loans and leases to total assets | 53.7104% | 5,889 |
| Net loans and leases to deposits | 60.8231% | 6,240 |
| Net loans and leases to core deposits | 62.2110% | 6,446 |
| Total domestic deposits to total assets | 88.3060% | 1,787 |
| Equity capital to assets | 9.1921% | 5,323 |
| Core capital (leverage) ratio | 8.3362% | 5,810 |
| Tier 1 risk-based capital ratio | 13.2660% | 4,377 |
| Total risk-based capital ratio | 14.5261% | 4,334 |
| Memoranda: | ||
| Average total assets | $153,068,000 | 3,874 |
| Average earning assets | $137,900,000 | 3,907 |
| Average equity | $13,841,750 | 4,237 |
| Average total loans | $82,189,750 | 4,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 6,080 |
| Cost of funding earning assets | 0.9441% | 6,407 |
| Net interest margin | 3.7750% | 4,020 |
| Noninterest income to average assets | 0.6439% | 3,041 |
| Noninterest expense to average assets | 2.9482% | 3,900 |
| Loan and lease loss provision to assets | 0.0130% | 6,782 |
| Net operating income to assets | 1.0160% | 2,138 |
| Return on assets (ROA) | 1.1300% | 1,827 |
| Pretax return on assets | 1.2030% | 2,405 |
| Return on Equity (ROE) | 12.5646% | 1,337 |
| Retained earnings to average equity (ytd only) | -0.6956% | 5,902 |
| Net charge-offs to loans | -0.0465% | 7,436 |
| Credit loss provision to net charge-offs | -52.6316% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8797% | 3,683 |
| Assets per employee ($millions) | 3.6976% | 4,475 |
| Cash dividends to net income (ytd only)* | 105.5363% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 1,507 |
| Loan loss allowance to noncurrent loans | 161.3036% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 5,054 |
| Noncurrent loans to loans | 1.4583% | 4,520 |
| Net loans and leases to total assets | 53.5317% | 6,045 |
| Net loans and leases to deposits | 59.3014% | 6,476 |
| Net loans and leases to core deposits | 60.6306% | 6,665 |
| Total domestic deposits to total assets | 90.2704% | 781 |
| Equity capital to assets | 9.0363% | 5,389 |
| Core capital (leverage) ratio | 8.1243% | 6,077 |
| Tier 1 risk-based capital ratio | 13.2899% | 4,215 |
| Total risk-based capital ratio | 14.5509% | 4,167 |
| Memoranda: | ||
| Average total assets | $153,449,330 | 3,894 |
| Average earning assets | $138,121,000 | 3,935 |
| Average equity | $13,800,670 | 4,245 |
| Average total loans | $81,739,330 | 4,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 5,746 |
| Cost of funding earning assets | 0.9493% | 6,582 |
| Net interest margin | 3.8868% | 3,386 |
| Noninterest income to average assets | 0.5856% | 3,371 |
| Noninterest expense to average assets | 2.9150% | 3,999 |
| Loan and lease loss provision to assets | 0.0259% | 6,406 |
| Net operating income to assets | 1.0508% | 1,997 |
| Return on assets (ROA) | 1.3163% | 1,335 |
| Pretax return on assets | 1.4070% | 1,757 |
| Return on Equity (ROE) | 14.6699% | 932 |
| Retained earnings to average equity (ytd only) | 11.2046% | 879 |
| Net charge-offs to loans | -0.0247% | 7,127 |
| Credit loss provision to net charge-offs | -200.0000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4468% | 4,035 |
| Assets per employee ($millions) | 3.7223% | 4,518 |
| Cash dividends to net income (ytd only)* | 23.6220% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3993% | 1,423 |
| Loan loss allowance to noncurrent loans | 130.7951% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 4,716 |
| Noncurrent loans to loans | 1.8344% | 4,018 |
| Net loans and leases to total assets | 51.7361% | 6,300 |
| Net loans and leases to deposits | 57.2834% | 6,672 |
| Net loans and leases to core deposits | 58.5597% | 6,843 |
| Total domestic deposits to total assets | 90.3160% | 820 |
| Equity capital to assets | 9.2083% | 4,978 |
| Core capital (leverage) ratio | 8.4971% | 5,380 |
| Tier 1 risk-based capital ratio | 14.0247% | 3,636 |
| Total risk-based capital ratio | 15.2846% | 3,596 |
| Memoranda: | ||
| Average total assets | $154,374,000 | 3,940 |
| Average earning assets | $138,212,500 | 3,997 |
| Average equity | $13,851,500 | 4,274 |
| Average total loans | $81,054,500 | 4,470 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 6,271 |
| Cost of funding earning assets | 1.2086% | 6,632 |
| Net interest margin | 3.8401% | 3,529 |
| Noninterest income to average assets | 0.7154% | 2,870 |
| Noninterest expense to average assets | 2.8638% | 4,686 |
| Loan and lease loss provision to assets | 0.2337% | 5,504 |
| Net operating income to assets | 1.0358% | 1,718 |
| Return on assets (ROA) | 1.0194% | 1,824 |
| Pretax return on assets | 1.0719% | 2,337 |
| Return on Equity (ROE) | 11.9568% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.3690% | 613 |
| Net charge-offs to loans | 0.4903% | 3,809 |
| Credit loss provision to net charge-offs | 84.7619% | 6,167 |
| Earnings coverage of net charge-offs (x) | 4.7952% | 2,816 |
| Efficiency ratio | 67.9630% | 5,013 |
| Assets per employee ($millions) | 3.7175% | 4,481 |
| Cash dividends to net income (ytd only)* | 30.0064% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3716% | 1,385 |
| Loan loss allowance to noncurrent loans | 140.6866% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7920% | 3,679 |
| Noncurrent loans to loans | 1.6857% | 4,120 |
| Net loans and leases to total assets | 50.7804% | 6,552 |
| Net loans and leases to deposits | 55.9128% | 6,926 |
| Net loans and leases to core deposits | 60.5588% | 7,246 |
| Total domestic deposits to total assets | 90.8208% | 604 |
| Equity capital to assets | 8.7424% | 5,526 |
| Core capital (leverage) ratio | 8.2974% | 5,624 |
| Tier 1 risk-based capital ratio | 13.6536% | 3,716 |
| Total risk-based capital ratio | 14.9135% | 3,648 |
| Memoranda: | ||
| Average total assets | $152,351,800 | 3,923 |
| Average earning assets | $137,679,400 | 3,946 |
| Average equity | $12,988,400 | 4,516 |
| Average total loans | $85,663,800 | 4,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 6,399 |
| Cost of funding earning assets | 1.2688% | 6,658 |
| Net interest margin | 3.7966% | 3,673 |
| Noninterest income to average assets | 0.6816% | 3,146 |
| Noninterest expense to average assets | 2.8012% | 4,894 |
| Loan and lease loss provision to assets | 0.2924% | 4,635 |
| Net operating income to assets | 0.9660% | 2,175 |
| Return on assets (ROA) | 0.9572% | 2,266 |
| Pretax return on assets | 1.0206% | 2,840 |
| Return on Equity (ROE) | 11.3023% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.6736% | 1,241 |
| Net charge-offs to loans | 0.8097% | 2,343 |
| Credit loss provision to net charge-offs | 62.9981% | 6,122 |
| Earnings coverage of net charge-offs (x) | 2.8482% | 3,799 |
| Efficiency ratio | 67.4284% | 5,087 |
| Assets per employee ($millions) | 3.7072% | 4,410 |
| Cash dividends to net income (ytd only)* | 32.1065% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 1,455 |
| Loan loss allowance to noncurrent loans | 77.0056% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 2.6381% | 2,636 |
| Noncurrent loans to loans | 2.8304% | 2,680 |
| Net loans and leases to total assets | 54.3277% | 6,345 |
| Net loans and leases to deposits | 60.0994% | 6,825 |
| Net loans and leases to core deposits | 66.1912% | 7,153 |
| Total domestic deposits to total assets | 90.3965% | 621 |
| Equity capital to assets | 9.1079% | 5,320 |
| Core capital (leverage) ratio | 8.2055% | 6,003 |
| Tier 1 risk-based capital ratio | 13.0508% | 4,153 |
| Total risk-based capital ratio | 14.3092% | 4,084 |
| Memoranda: | ||
| Average total assets | $151,406,000 | 3,956 |
| Average earning assets | $137,244,000 | 3,980 |
| Average equity | $12,823,000 | 4,580 |
| Average total loans | $86,776,750 | 4,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 6,895 |
| Cost of funding earning assets | 1.3226% | 6,727 |
| Net interest margin | 3.6371% | 4,220 |
| Noninterest income to average assets | 0.7098% | 2,930 |
| Noninterest expense to average assets | 2.7721% | 5,082 |
| Loan and lease loss provision to assets | 0.4356% | 3,377 |
| Net operating income to assets | 0.7439% | 3,073 |
| Return on assets (ROA) | 0.7439% | 3,178 |
| Pretax return on assets | 0.8068% | 3,649 |
| Return on Equity (ROE) | 9.0033% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.2718% | 2,361 |
| Net charge-offs to loans | 1.2125% | 1,512 |
| Credit loss provision to net charge-offs | 62.0561% | 5,562 |
| Earnings coverage of net charge-offs (x) | 1.7701% | 4,232 |
| Efficiency ratio | 68.4641% | 5,077 |
| Assets per employee ($millions) | 3.8622% | 3,957 |
| Cash dividends to net income (ytd only)* | 41.4462% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1460% | 1,322 |
| Loan loss allowance to noncurrent loans | 45.9501% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.6601% | 1,684 |
| Noncurrent loans to loans | 4.6703% | 1,359 |
| Net loans and leases to total assets | 54.0970% | 6,439 |
| Net loans and leases to deposits | 59.5762% | 6,922 |
| Net loans and leases to core deposits | 65.3506% | 7,240 |
| Total domestic deposits to total assets | 90.8029% | 520 |
| Equity capital to assets | 8.4435% | 6,136 |
| Core capital (leverage) ratio | 7.6941% | 6,767 |
| Tier 1 risk-based capital ratio | 12.4030% | 4,594 |
| Total risk-based capital ratio | 13.6605% | 4,519 |
| Memoranda: | ||
| Average total assets | $152,445,000 | 3,955 |
| Average earning assets | $138,516,330 | 3,979 |
| Average equity | $12,595,330 | 4,658 |
| Average total loans | $88,250,000 | 4,328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 6,101 |
| Cost of funding earning assets | 1.3951% | 6,751 |
| Net interest margin | 3.8581% | 3,219 |
| Noninterest income to average assets | 0.5295% | 4,065 |
| Noninterest expense to average assets | 2.7100% | 4,953 |
| Loan and lease loss provision to assets | 0.6312% | 2,002 |
| Net operating income to assets | 0.6312% | 3,878 |
| Return on assets (ROA) | 0.6312% | 4,059 |
| Pretax return on assets | 0.6938% | 4,453 |
| Return on Equity (ROE) | 7.7230% | 3,272 |
| Retained earnings to average equity (ytd only) | 4.1806% | 3,588 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5158% | 5,228 |
| Assets per employee ($millions) | 3.8698% | 3,940 |
| Cash dividends to net income (ytd only)* | 45.8678% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5228% | 749 |
| Loan loss allowance to noncurrent loans | 49.1197% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.0956% | 1,821 |
| Noncurrent loans to loans | 5.1360% | 1,052 |
| Net loans and leases to total assets | 57.1434% | 6,076 |
| Net loans and leases to deposits | 62.9297% | 6,651 |
| Net loans and leases to core deposits | 68.7938% | 7,093 |
| Total domestic deposits to total assets | 90.8052% | 476 |
| Equity capital to assets | 8.4004% | 6,235 |
| Core capital (leverage) ratio | 7.6221% | 6,997 |
| Tier 1 risk-based capital ratio | 11.5656% | 5,345 |
| Total risk-based capital ratio | 12.8290% | 5,232 |
| Memoranda: | ||
| Average total assets | $153,355,500 | 3,953 |
| Average earning assets | $139,344,500 | 3,967 |
| Average equity | $12,534,000 | 4,698 |
| Average total loans | $90,740,000 | 4,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7015% | 6,773 |
| Cost of funding earning assets | 2.2225% | 5,496 |
| Net interest margin | 3.4790% | 5,366 |
| Noninterest income to average assets | 0.7221% | 2,966 |
| Noninterest expense to average assets | 2.4772% | 6,096 |
| Loan and lease loss provision to assets | 1.3424% | 1,055 |
| Net operating income to assets | 0.0391% | 6,259 |
| Return on assets (ROA) | 0.0413% | 6,113 |
| Pretax return on assets | 0.0490% | 6,049 |
| Return on Equity (ROE) | 0.5635% | 6,051 |
| Retained earnings to average equity (ytd only) | -2.5093% | 5,996 |
| Net charge-offs to loans | 1.3699% | 859 |
| Credit loss provision to net charge-offs | 152.0818% | 3,444 |
| Earnings coverage of net charge-offs (x) | 1.5734% | 5,305 |
| Efficiency ratio | 63.3089% | 5,708 |
| Assets per employee ($millions) | 3.9946% | 3,526 |
| Cash dividends to net income (ytd only)* | 545.3125% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1396% | 1,014 |
| Loan loss allowance to noncurrent loans | 77.9170% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.6394% | 2,969 |
| Noncurrent loans to loans | 2.7461% | 1,974 |
| Net loans and leases to total assets | 58.4226% | 6,140 |
| Net loans and leases to deposits | 64.0904% | 6,789 |
| Net loans and leases to core deposits | 69.5506% | 7,218 |
| Total domestic deposits to total assets | 91.1566% | 284 |
| Equity capital to assets | 7.9531% | 6,903 |
| Core capital (leverage) ratio | 7.5584% | 7,133 |
| Tier 1 risk-based capital ratio | 10.8087% | 5,903 |
| Total risk-based capital ratio | 12.0690% | 5,797 |
| Memoranda: | ||
| Average total assets | $155,095,600 | 3,801 |
| Average earning assets | $140,155,000 | 3,845 |
| Average equity | $11,357,800 | 5,019 |
| Average total loans | $99,932,200 | 3,952 |