Home > Itasca Bank & Trust Co. > Performance and Condition Ratios
Itasca Bank & Trust Co., 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 | 4.8747% | 2,332 |
| Cost of funding earning assets | 1.1735% | 2,874 |
| Net interest margin | 3.7013% | 1,761 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.5668% | 2,105 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.9129% | 2,505 |
| Return on assets (ROA) | 0.8438% | 2,700 |
| Pretax return on assets | 1.1614% | 2,233 |
| Return on Equity (ROE) | 10.9300% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.5349% | 2,399 |
| Net charge-offs to loans | -0.0215% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.4290% | 2,557 |
| Assets per employee ($millions) | 7.1916% | 1,941 |
| Cash dividends to net income (ytd only)* | 49.3570% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,075 |
| Loan loss allowance to noncurrent loans | 599.0461% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 2,390 |
| Noncurrent loans to loans | 0.2494% | 2,307 |
| Net loans and leases to total assets | 67.7500% | 2,067 |
| Net loans and leases to deposits | 74.1474% | 2,605 |
| Net loans and leases to core deposits | 87.9177% | 2,183 |
| Total domestic deposits to total assets | 91.3700% | 418 |
| Equity capital to assets | 8.0705% | 3,366 |
| Core capital (leverage) ratio | 9.6978% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $728,019,600 | 1,268 |
| Average earning assets | $694,170,000 | 1,244 |
| Average equity | $56,207,000 | 1,463 |
| Average total loans | $492,164,200 | 1,247 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 2,297 |
| Cost of funding earning assets | 1.0630% | 2,853 |
| Net interest margin | 3.7228% | 1,733 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.5644% | 2,045 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9353% | 2,565 |
| Return on assets (ROA) | 0.9141% | 2,618 |
| Pretax return on assets | 1.2571% | 2,157 |
| Return on Equity (ROE) | 11.9800% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.4479% | 2,480 |
| Net charge-offs to loans | 0.0142% | 1,888 |
| Credit loss provision to net charge-offs | 1,586.5385% | 296 |
| Earnings coverage of net charge-offs (x) | 150.4231% | 727 |
| Efficiency ratio | 64.1160% | 2,482 |
| Assets per employee ($millions) | 7.5471% | 1,606 |
| Cash dividends to net income (ytd only)* | 46.1662% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,501 |
| Loan loss allowance to noncurrent loans | 518.0401% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,365 |
| Noncurrent loans to loans | 0.2677% | 2,281 |
| Net loans and leases to total assets | 67.7800% | 2,070 |
| Net loans and leases to deposits | 73.6895% | 2,596 |
| Net loans and leases to core deposits | 86.5352% | 2,153 |
| Total domestic deposits to total assets | 91.9800% | 452 |
| Equity capital to assets | 7.4728% | 3,369 |
| Core capital (leverage) ratio | 9.6554% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $726,638,250 | 1,268 |
| Average earning assets | $692,507,750 | 1,239 |
| Average equity | $55,458,500 | 1,469 |
| Average total loans | $489,083,250 | 1,252 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 2,254 |
| Cost of funding earning assets | 0.9111% | 2,890 |
| Net interest margin | 3.7648% | 1,691 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5645% | 2,018 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0274% | 2,329 |
| Return on assets (ROA) | 0.9955% | 2,425 |
| Pretax return on assets | 1.3705% | 1,887 |
| Return on Equity (ROE) | 12.9500% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.3237% | 2,183 |
| Net charge-offs to loans | 0.0256% | 1,372 |
| Credit loss provision to net charge-offs | 362.9032% | 770 |
| Earnings coverage of net charge-offs (x) | 86.0968% | 1,013 |
| Efficiency ratio | 63.5183% | 2,539 |
| Assets per employee ($millions) | 7.3630% | 1,693 |
| Cash dividends to net income (ytd only)* | 43.4590% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 1,978 |
| Loan loss allowance to noncurrent loans | 463.4643% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,242 |
| Noncurrent loans to loans | 0.2778% | 2,155 |
| Net loans and leases to total assets | 67.6600% | 1,993 |
| Net loans and leases to deposits | 74.7183% | 2,427 |
| Net loans and leases to core deposits | 87.7879% | 1,940 |
| Total domestic deposits to total assets | 90.5500% | 766 |
| Equity capital to assets | 7.8262% | 3,333 |
| Core capital (leverage) ratio | 9.6471% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $724,828,000 | 1,264 |
| Average earning assets | $690,386,667 | 1,240 |
| Average equity | $55,709,333 | 1,463 |
| Average total loans | $484,390,000 | 1,247 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,206 |
| Cost of funding earning assets | 0.7248% | 2,971 |
| Net interest margin | 3.8206% | 1,645 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5378% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1101% | 2,193 |
| Return on assets (ROA) | 1.0979% | 2,203 |
| Pretax return on assets | 1.5115% | 1,650 |
| Return on Equity (ROE) | 14.4200% | 1,689 |
| Retained earnings to average equity (ytd only) | 8.3936% | 2,117 |
| Net charge-offs to loans | -0.0058% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4357% | 2,643 |
| Assets per employee ($millions) | 7.4383% | 1,657 |
| Cash dividends to net income (ytd only)* | 41.7753% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,052 |
| Loan loss allowance to noncurrent loans | 439.9433% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,165 |
| Noncurrent loans to loans | 0.2946% | 2,088 |
| Net loans and leases to total assets | 65.5800% | 2,101 |
| Net loans and leases to deposits | 71.7358% | 2,491 |
| Net loans and leases to core deposits | 83.7927% | 1,996 |
| Total domestic deposits to total assets | 91.4200% | 666 |
| Equity capital to assets | 7.9634% | 3,266 |
| Core capital (leverage) ratio | 9.4740% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $726,454,500 | 1,278 |
| Average earning assets | $693,191,000 | 1,250 |
| Average equity | $55,328,000 | 1,482 |
| Average total loans | $479,304,000 | 1,267 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 1,994 |
| Cost of funding earning assets | 0.2614% | 3,233 |
| Net interest margin | 3.6354% | 1,541 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.3087% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1669% | 1,906 |
| Return on assets (ROA) | 1.1170% | 2,033 |
| Pretax return on assets | 1.5268% | 1,376 |
| Return on Equity (ROE) | 14.6500% | 1,352 |
| Retained earnings to average equity (ytd only) | 9.6359% | 1,266 |
| Net charge-offs to loans | -0.0080% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.2184% | 3,160 |
| Assets per employee ($millions) | 7.4632% | 1,641 |
| Cash dividends to net income (ytd only)* | 34.2274% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,176 |
| Loan loss allowance to noncurrent loans | 430.5125% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 1,995 |
| Noncurrent loans to loans | 0.3501% | 1,891 |
| Net loans and leases to total assets | 64.5400% | 2,192 |
| Net loans and leases to deposits | 69.8669% | 2,592 |
| Net loans and leases to core deposits | 80.2583% | 2,117 |
| Total domestic deposits to total assets | 92.3700% | 550 |
| Equity capital to assets | 7.2736% | 3,505 |
| Core capital (leverage) ratio | 9.1270% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $740,971,600 | 1,259 |
| Average earning assets | $710,422,600 | 1,220 |
| Average equity | $56,497,200 | 1,470 |
| Average total loans | $452,406,200 | 1,265 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 2,006 |
| Cost of funding earning assets | 0.1992% | 3,286 |
| Net interest margin | 3.5133% | 1,629 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.2723% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1058% | 2,063 |
| Return on assets (ROA) | 1.1049% | 2,035 |
| Pretax return on assets | 1.5093% | 1,384 |
| Return on Equity (ROE) | 14.3300% | 1,342 |
| Retained earnings to average equity (ytd only) | 9.4435% | 1,502 |
| Net charge-offs to loans | -0.0084% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0683% | 3,101 |
| Assets per employee ($millions) | 7.5020% | 1,610 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,164 |
| Loan loss allowance to noncurrent loans | 3,879.5699% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,688 |
| Noncurrent loans to loans | 0.0401% | 3,603 |
| Net loans and leases to total assets | 61.5600% | 2,345 |
| Net loans and leases to deposits | 66.3934% | 2,686 |
| Net loans and leases to core deposits | 75.8359% | 2,205 |
| Total domestic deposits to total assets | 92.7200% | 657 |
| Equity capital to assets | 6.9290% | 3,554 |
| Core capital (leverage) ratio | 9.0059% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $743,365,250 | 1,267 |
| Average earning assets | $714,035,250 | 1,220 |
| Average equity | $57,321,750 | 1,467 |
| Average total loans | $445,696,750 | 1,274 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 1,931 |
| Cost of funding earning assets | 0.1695% | 3,321 |
| Net interest margin | 3.4006% | 1,606 |
| Noninterest income to average assets | 0.4064% | 2,718 |
| Noninterest expense to average assets | 2.2478% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0505% | 1,973 |
| Return on assets (ROA) | 1.0490% | 1,950 |
| Pretax return on assets | 1.4320% | 1,354 |
| Return on Equity (ROE) | 13.1590% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.4015% | 1,473 |
| Net charge-offs to loans | -0.0091% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0535% | 3,175 |
| Assets per employee ($millions) | 7.9638% | 1,330 |
| Cash dividends to net income (ytd only)* | 36.1538% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.3332% | 2,598 |
| Net loans and leases to deposits | 61.9233% | 2,892 |
| Net loans and leases to core deposits | 70.8324% | 2,423 |
| Total domestic deposits to total assets | 92.5873% | 622 |
| Equity capital to assets | 7.1160% | 3,709 |
| Core capital (leverage) ratio | 8.6000% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $743,586,667 | 1,262 |
| Average earning assets | $716,172,333 | 1,223 |
| Average equity | $59,275,000 | 1,450 |
| Average total loans | $439,459,667 | 1,281 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 1,792 |
| Cost of funding earning assets | 0.1675% | 3,255 |
| Net interest margin | 3.3390% | 1,475 |
| Noninterest income to average assets | 0.4136% | 2,597 |
| Noninterest expense to average assets | 2.2490% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0157% | 1,806 |
| Return on assets (ROA) | 1.0148% | 1,808 |
| Pretax return on assets | 1.3837% | 1,288 |
| Return on Equity (ROE) | 12.0563% | 1,293 |
| Retained earnings to average equity (ytd only) | 7.1106% | 1,856 |
| Net charge-offs to loans | -0.0092% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8919% | 3,275 |
| Assets per employee ($millions) | 7.7809% | 1,498 |
| Cash dividends to net income (ytd only)* | 41.0215% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.7193% | 2,213 |
| Net loans and leases to deposits | 64.0811% | 2,522 |
| Net loans and leases to core deposits | 74.4781% | 1,900 |
| Total domestic deposits to total assets | 91.6328% | 736 |
| Equity capital to assets | 7.9677% | 3,597 |
| Core capital (leverage) ratio | 8.7888% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $733,116,000 | 1,280 |
| Average earning assets | $707,044,000 | 1,248 |
| Average equity | $61,710,500 | 1,446 |
| Average total loans | $436,421,500 | 1,277 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 2,132 |
| Cost of funding earning assets | 0.1837% | 3,611 |
| Net interest margin | 3.5102% | 1,700 |
| Noninterest income to average assets | 0.4058% | 3,018 |
| Noninterest expense to average assets | 2.1818% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1797% | 1,996 |
| Return on assets (ROA) | 1.1832% | 2,047 |
| Pretax return on assets | 1.6190% | 1,374 |
| Return on Equity (ROE) | 13.3993% | 1,346 |
| Retained earnings to average equity (ytd only) | 8.1000% | 1,499 |
| Net charge-offs to loans | -0.0742% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4703% | 3,528 |
| Assets per employee ($millions) | 7.9013% | 1,385 |
| Cash dividends to net income (ytd only)* | 39.5492% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 1,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.3785% | 2,333 |
| Net loans and leases to deposits | 64.2749% | 2,668 |
| Net loans and leases to core deposits | 74.0491% | 2,074 |
| Total domestic deposits to total assets | 90.8263% | 570 |
| Equity capital to assets | 8.8654% | 3,749 |
| Core capital (leverage) ratio | 8.6119% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,422,200 | 1,249 |
| Average earning assets | $702,638,600 | 1,216 |
| Average equity | $64,234,600 | 1,442 |
| Average total loans | $460,909,800 | 1,237 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 2,409 |
| Cost of funding earning assets | 0.1865% | 3,748 |
| Net interest margin | 3.4665% | 1,965 |
| Noninterest income to average assets | 0.4011% | 3,079 |
| Noninterest expense to average assets | 2.1496% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1664% | 2,294 |
| Return on assets (ROA) | 1.1715% | 2,328 |
| Pretax return on assets | 1.6051% | 1,683 |
| Return on Equity (ROE) | 13.2795% | 1,622 |
| Retained earnings to average equity (ytd only) | 8.1885% | 2,001 |
| Net charge-offs to loans | -0.0771% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3488% | 3,375 |
| Assets per employee ($millions) | 7.7351% | 1,422 |
| Cash dividends to net income (ytd only)* | 38.3373% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,419 |
| Loan loss allowance to noncurrent loans | 2,675.1880% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,915 |
| Noncurrent loans to loans | 0.0586% | 3,808 |
| Net loans and leases to total assets | 60.7596% | 2,167 |
| Net loans and leases to deposits | 67.2426% | 2,519 |
| Net loans and leases to core deposits | 76.9472% | 1,965 |
| Total domestic deposits to total assets | 90.3587% | 616 |
| Equity capital to assets | 8.9068% | 3,915 |
| Core capital (leverage) ratio | 8.6460% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $725,571,500 | 1,270 |
| Average earning assets | $700,592,500 | 1,232 |
| Average equity | $64,007,000 | 1,457 |
| Average total loans | $467,095,250 | 1,247 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 2,412 |
| Cost of funding earning assets | 0.1932% | 3,823 |
| Net interest margin | 3.4796% | 1,917 |
| Noninterest income to average assets | 0.3950% | 3,130 |
| Noninterest expense to average assets | 2.1246% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1887% | 2,231 |
| Return on assets (ROA) | 1.1878% | 2,299 |
| Pretax return on assets | 1.6291% | 1,658 |
| Return on Equity (ROE) | 13.5094% | 1,564 |
| Retained earnings to average equity (ytd only) | 8.6201% | 1,845 |
| Net charge-offs to loans | -0.1107% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5836% | 3,460 |
| Assets per employee ($millions) | 7.7903% | 1,312 |
| Cash dividends to net income (ytd only)* | 36.1920% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,463 |
| Loan loss allowance to noncurrent loans | 2,671.8045% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,010 |
| Noncurrent loans to loans | 0.0575% | 3,894 |
| Net loans and leases to total assets | 62.1483% | 2,163 |
| Net loans and leases to deposits | 69.4198% | 2,475 |
| Net loans and leases to core deposits | 78.6453% | 1,992 |
| Total domestic deposits to total assets | 89.5254% | 1,015 |
| Equity capital to assets | 8.7920% | 3,983 |
| Core capital (leverage) ratio | 8.5884% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $722,484,667 | 1,262 |
| Average earning assets | $697,599,333 | 1,222 |
| Average equity | $63,526,000 | 1,456 |
| Average total loans | $471,594,667 | 1,240 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 2,045 |
| Cost of funding earning assets | 0.2109% | 3,817 |
| Net interest margin | 3.6094% | 1,558 |
| Noninterest income to average assets | 0.3857% | 3,172 |
| Noninterest expense to average assets | 2.1271% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2666% | 1,929 |
| Return on assets (ROA) | 1.2648% | 2,010 |
| Pretax return on assets | 1.7386% | 1,417 |
| Return on Equity (ROE) | 14.3841% | 1,352 |
| Retained earnings to average equity (ytd only) | 9.3126% | 1,854 |
| Net charge-offs to loans | -0.4199% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9935% | 3,667 |
| Assets per employee ($millions) | 7.9011% | 1,237 |
| Cash dividends to net income (ytd only)* | 35.2578% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 1,536 |
| Loan loss allowance to noncurrent loans | 975.5644% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 3,677 |
| Noncurrent loans to loans | 0.1558% | 3,552 |
| Net loans and leases to total assets | 64.0655% | 2,031 |
| Net loans and leases to deposits | 72.5449% | 2,261 |
| Net loans and leases to core deposits | 81.5508% | 1,874 |
| Total domestic deposits to total assets | 88.3115% | 1,698 |
| Equity capital to assets | 8.4423% | 4,161 |
| Core capital (leverage) ratio | 8.7515% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $717,581,000 | 1,260 |
| Average earning assets | $692,297,000 | 1,229 |
| Average equity | $63,097,500 | 1,450 |
| Average total loans | $476,285,000 | 1,230 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 2,493 |
| Cost of funding earning assets | 0.3961% | 3,604 |
| Net interest margin | 3.6790% | 1,875 |
| Noninterest income to average assets | 0.4409% | 2,909 |
| Noninterest expense to average assets | 2.4343% | 3,040 |
| Loan and lease loss provision to assets | 0.3313% | 1,080 |
| Net operating income to assets | 0.8958% | 2,717 |
| Return on assets (ROA) | 0.9554% | 2,603 |
| Pretax return on assets | 1.2953% | 1,992 |
| Return on Equity (ROE) | 10.1625% | 1,951 |
| Retained earnings to average equity (ytd only) | 4.4489% | 2,565 |
| Net charge-offs to loans | 0.1271% | 1,241 |
| Credit loss provision to net charge-offs | 385.1449% | 1,479 |
| Earnings coverage of net charge-offs (x) | 18.0326% | 2,042 |
| Efficiency ratio | 61.0792% | 3,294 |
| Assets per employee ($millions) | 7.4458% | 1,315 |
| Cash dividends to net income (ytd only)* | 56.2225% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,739 |
| Loan loss allowance to noncurrent loans | 885.6404% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 3,739 |
| Noncurrent loans to loans | 0.1647% | 3,620 |
| Net loans and leases to total assets | 66.7999% | 1,978 |
| Net loans and leases to deposits | 78.1309% | 2,060 |
| Net loans and leases to core deposits | 87.5141% | 1,743 |
| Total domestic deposits to total assets | 85.4973% | 2,573 |
| Equity capital to assets | 9.1694% | 3,919 |
| Core capital (leverage) ratio | 8.8749% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $641,712,600 | 1,266 |
| Average earning assets | $618,270,000 | 1,232 |
| Average equity | $60,329,800 | 1,439 |
| Average total loans | $434,426,400 | 1,264 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,604 |
| Cost of funding earning assets | 0.4380% | 3,593 |
| Net interest margin | 3.6865% | 1,992 |
| Noninterest income to average assets | 0.4413% | 2,881 |
| Noninterest expense to average assets | 2.4615% | 2,959 |
| Loan and lease loss provision to assets | 0.3129% | 1,278 |
| Net operating income to assets | 0.8916% | 2,737 |
| Return on assets (ROA) | 0.9685% | 2,590 |
| Pretax return on assets | 1.3142% | 1,990 |
| Return on Equity (ROE) | 10.2317% | 1,945 |
| Retained earnings to average equity (ytd only) | 4.6445% | 2,723 |
| Net charge-offs to loans | 0.0285% | 2,261 |
| Credit loss provision to net charge-offs | 1,621.9780% | 581 |
| Earnings coverage of net charge-offs (x) | 79.3077% | 929 |
| Efficiency ratio | 61.6729% | 3,126 |
| Assets per employee ($millions) | 7.4069% | 1,273 |
| Cash dividends to net income (ytd only)* | 54.6071% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,650 |
| Loan loss allowance to noncurrent loans | 158.8783% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 1,927 |
| Noncurrent loans to loans | 0.8939% | 1,674 |
| Net loans and leases to total assets | 66.3696% | 2,471 |
| Net loans and leases to deposits | 78.0755% | 2,526 |
| Net loans and leases to core deposits | 87.8748% | 2,159 |
| Total domestic deposits to total assets | 85.0070% | 2,435 |
| Equity capital to assets | 9.0482% | 4,081 |
| Core capital (leverage) ratio | 8.9916% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $629,026,250 | 1,269 |
| Average earning assets | $605,731,250 | 1,235 |
| Average equity | $59,538,750 | 1,445 |
| Average total loans | $425,681,250 | 1,274 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 2,749 |
| Cost of funding earning assets | 0.4906% | 3,592 |
| Net interest margin | 3.7130% | 2,119 |
| Noninterest income to average assets | 0.4560% | 2,783 |
| Noninterest expense to average assets | 2.5209% | 2,905 |
| Loan and lease loss provision to assets | 0.2888% | 1,486 |
| Net operating income to assets | 0.8904% | 2,727 |
| Return on assets (ROA) | 1.0066% | 2,422 |
| Pretax return on assets | 1.3663% | 1,815 |
| Return on Equity (ROE) | 10.4580% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.4874% | 2,710 |
| Net charge-offs to loans | 0.0472% | 1,809 |
| Credit loss provision to net charge-offs | 903.0928% | 849 |
| Earnings coverage of net charge-offs (x) | 47.1546% | 1,148 |
| Efficiency ratio | 62.5696% | 3,032 |
| Assets per employee ($millions) | 7.2178% | 1,316 |
| Cash dividends to net income (ytd only)* | 57.0914% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,876 |
| Loan loss allowance to noncurrent loans | 144.3464% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 1,974 |
| Noncurrent loans to loans | 0.9209% | 1,673 |
| Net loans and leases to total assets | 65.5049% | 2,697 |
| Net loans and leases to deposits | 75.8878% | 2,883 |
| Net loans and leases to core deposits | 85.4823% | 2,485 |
| Total domestic deposits to total assets | 86.3181% | 1,885 |
| Equity capital to assets | 8.9371% | 4,143 |
| Core capital (leverage) ratio | 9.0705% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,619,667 | 1,284 |
| Average earning assets | $583,736,000 | 1,248 |
| Average equity | $58,385,667 | 1,456 |
| Average total loans | $411,324,000 | 1,301 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 2,612 |
| Cost of funding earning assets | 0.5768% | 3,554 |
| Net interest margin | 3.8247% | 1,888 |
| Noninterest income to average assets | 0.5050% | 2,525 |
| Noninterest expense to average assets | 2.7551% | 2,560 |
| Loan and lease loss provision to assets | 0.0973% | 2,468 |
| Net operating income to assets | 0.9506% | 2,348 |
| Return on assets (ROA) | 1.1914% | 1,660 |
| Pretax return on assets | 1.6287% | 993 |
| Return on Equity (ROE) | 11.8655% | 1,137 |
| Retained earnings to average equity (ytd only) | 4.3626% | 2,545 |
| Net charge-offs to loans | -0.0041% | 3,802 |
| Credit loss provision to net charge-offs | -3,450.0000% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9686% | 2,965 |
| Assets per employee ($millions) | 6.1054% | 1,591 |
| Cash dividends to net income (ytd only)* | 63.2327% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,660 |
| Loan loss allowance to noncurrent loans | 134.1760% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 1,889 |
| Noncurrent loans to loans | 1.0509% | 1,578 |
| Net loans and leases to total assets | 66.6651% | 2,738 |
| Net loans and leases to deposits | 74.6177% | 3,207 |
| Net loans and leases to core deposits | 85.0475% | 2,760 |
| Total domestic deposits to total assets | 89.3422% | 533 |
| Equity capital to assets | 10.0701% | 3,714 |
| Core capital (leverage) ratio | 10.0161% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,085,000 | 1,315 |
| Average earning assets | $544,356,000 | 1,274 |
| Average equity | $56,938,000 | 1,471 |
| Average total loans | $389,380,500 | 1,324 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 2,342 |
| Cost of funding earning assets | 0.5736% | 3,749 |
| Net interest margin | 4.1221% | 1,481 |
| Noninterest income to average assets | 0.4886% | 2,809 |
| Noninterest expense to average assets | 2.6587% | 2,999 |
| Loan and lease loss provision to assets | 0.0919% | 2,192 |
| Net operating income to assets | 1.2457% | 1,884 |
| Return on assets (ROA) | 1.2608% | 1,916 |
| Pretax return on assets | 1.7153% | 1,151 |
| Return on Equity (ROE) | 12.9316% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.7148% | 1,520 |
| Net charge-offs to loans | -0.0151% | 4,574 |
| Credit loss provision to net charge-offs | -844.2623% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7880% | 3,729 |
| Assets per employee ($millions) | 6.0900% | 1,565 |
| Cash dividends to net income (ytd only)* | 48.0742% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,767 |
| Loan loss allowance to noncurrent loans | 171.5587% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 2,263 |
| Noncurrent loans to loans | 0.7783% | 1,954 |
| Net loans and leases to total assets | 68.7802% | 2,572 |
| Net loans and leases to deposits | 76.7860% | 3,109 |
| Net loans and leases to core deposits | 87.6685% | 2,636 |
| Total domestic deposits to total assets | 89.5739% | 468 |
| Equity capital to assets | 10.0108% | 3,902 |
| Core capital (leverage) ratio | 9.7859% | 3,744 |
| Tier 1 risk-based capital ratio | 12.6980% | 3,952 |
| Total risk-based capital ratio | 13.8927% | 3,872 |
| Memoranda: | ||
| Average total assets | $560,125,800 | 1,289 |
| Average earning assets | $537,862,000 | 1,256 |
| Average equity | $54,610,400 | 1,478 |
| Average total loans | $402,640,800 | 1,261 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 2,317 |
| Cost of funding earning assets | 0.5606% | 3,866 |
| Net interest margin | 4.1717% | 1,443 |
| Noninterest income to average assets | 0.5013% | 2,725 |
| Noninterest expense to average assets | 2.6498% | 3,016 |
| Loan and lease loss provision to assets | 0.1110% | 1,761 |
| Net operating income to assets | 1.2800% | 1,920 |
| Return on assets (ROA) | 1.3002% | 1,942 |
| Pretax return on assets | 1.7697% | 1,161 |
| Return on Equity (ROE) | 13.4271% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.1856% | 1,768 |
| Net charge-offs to loans | -0.0178% | 4,554 |
| Credit loss provision to net charge-offs | -861.1111% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8195% | 3,823 |
| Assets per employee ($millions) | 6.0965% | 1,536 |
| Cash dividends to net income (ytd only)* | 46.4843% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 1,892 |
| Loan loss allowance to noncurrent loans | 521,500.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,370 |
| Noncurrent loans to loans | 0.0003% | 4,705 |
| Net loans and leases to total assets | 67.4424% | 2,871 |
| Net loans and leases to deposits | 75.0451% | 3,380 |
| Net loans and leases to core deposits | 85.7422% | 2,931 |
| Total domestic deposits to total assets | 89.8692% | 320 |
| Equity capital to assets | 9.7157% | 4,280 |
| Core capital (leverage) ratio | 9.8034% | 3,852 |
| Tier 1 risk-based capital ratio | 12.7576% | 3,981 |
| Total risk-based capital ratio | 13.9611% | 3,897 |
| Memoranda: | ||
| Average total assets | $558,565,250 | 1,300 |
| Average earning assets | $536,074,500 | 1,265 |
| Average equity | $54,088,500 | 1,491 |
| Average total loans | $404,595,750 | 1,265 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 2,229 |
| Cost of funding earning assets | 0.5318% | 3,976 |
| Net interest margin | 4.2178% | 1,319 |
| Noninterest income to average assets | 0.5260% | 2,534 |
| Noninterest expense to average assets | 2.7000% | 2,909 |
| Loan and lease loss provision to assets | 0.1251% | 1,487 |
| Net operating income to assets | 1.2861% | 1,826 |
| Return on assets (ROA) | 1.2938% | 1,858 |
| Pretax return on assets | 1.7618% | 1,143 |
| Return on Equity (ROE) | 13.3767% | 1,129 |
| Retained earnings to average equity (ytd only) | 6.9713% | 1,819 |
| Net charge-offs to loans | -0.0270% | 4,647 |
| Credit loss provision to net charge-offs | -627.2727% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9894% | 3,864 |
| Assets per employee ($millions) | 6.0795% | 1,488 |
| Cash dividends to net income (ytd only)* | 47.8846% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,290 |
| Loan loss allowance to noncurrent loans | 3,033.3333% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,177 |
| Noncurrent loans to loans | 0.0410% | 4,504 |
| Net loans and leases to total assets | 73.1869% | 2,027 |
| Net loans and leases to deposits | 81.6582% | 2,769 |
| Net loans and leases to core deposits | 93.8994% | 2,248 |
| Total domestic deposits to total assets | 89.6259% | 442 |
| Equity capital to assets | 9.9421% | 4,022 |
| Core capital (leverage) ratio | 9.9122% | 3,687 |
| Tier 1 risk-based capital ratio | 12.2236% | 4,286 |
| Total risk-based capital ratio | 13.3723% | 4,236 |
| Memoranda: | ||
| Average total assets | $551,699,000 | 1,311 |
| Average earning assets | $529,891,000 | 1,276 |
| Average equity | $53,361,330 | 1,503 |
| Average total loans | $407,522,000 | 1,259 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 2,183 |
| Cost of funding earning assets | 0.4952% | 4,081 |
| Net interest margin | 4.2183% | 1,267 |
| Noninterest income to average assets | 0.5438% | 2,320 |
| Noninterest expense to average assets | 2.7444% | 2,762 |
| Loan and lease loss provision to assets | 0.1634% | 1,033 |
| Net operating income to assets | 1.2401% | 1,920 |
| Return on assets (ROA) | 1.2401% | 1,967 |
| Pretax return on assets | 1.6873% | 1,244 |
| Return on Equity (ROE) | 13.0033% | 1,215 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,610 |
| Net charge-offs to loans | -0.0295% | 4,638 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7251% | 3,848 |
| Assets per employee ($millions) | 6.0795% | 1,485 |
| Cash dividends to net income (ytd only)* | 56.4403% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,486 |
| Loan loss allowance to noncurrent loans | 7,072.8571% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,322 |
| Noncurrent loans to loans | 0.0172% | 4,704 |
| Net loans and leases to total assets | 71.7875% | 2,201 |
| Net loans and leases to deposits | 80.2512% | 2,809 |
| Net loans and leases to core deposits | 91.9848% | 2,297 |
| Total domestic deposits to total assets | 89.4535% | 665 |
| Equity capital to assets | 9.5257% | 4,236 |
| Core capital (leverage) ratio | 9.7293% | 3,888 |
| Tier 1 risk-based capital ratio | 11.9084% | 4,512 |
| Total risk-based capital ratio | 13.0185% | 4,481 |
| Memoranda: | ||
| Average total assets | $550,932,000 | 1,316 |
| Average earning assets | $529,126,000 | 1,276 |
| Average equity | $52,540,500 | 1,512 |
| Average total loans | $406,288,000 | 1,269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 2,014 |
| Cost of funding earning assets | 0.3448% | 4,315 |
| Net interest margin | 4.2966% | 1,166 |
| Noninterest income to average assets | 0.5550% | 2,518 |
| Noninterest expense to average assets | 2.7014% | 3,022 |
| Loan and lease loss provision to assets | 0.1708% | 1,169 |
| Net operating income to assets | 1.3241% | 1,701 |
| Return on assets (ROA) | 1.2924% | 1,823 |
| Pretax return on assets | 1.7613% | 1,020 |
| Return on Equity (ROE) | 13.4920% | 1,175 |
| Retained earnings to average equity (ytd only) | 4.9278% | 2,805 |
| Net charge-offs to loans | 0.1082% | 1,664 |
| Credit loss provision to net charge-offs | 209.7902% | 1,382 |
| Earnings coverage of net charge-offs (x) | 24.2284% | 1,823 |
| Efficiency ratio | 57.8029% | 4,181 |
| Assets per employee ($millions) | 5.9621% | 1,553 |
| Cash dividends to net income (ytd only)* | 63.4762% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,791 |
| Loan loss allowance to noncurrent loans | 2,863.4146% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,239 |
| Noncurrent loans to loans | 0.0404% | 4,574 |
| Net loans and leases to total assets | 73.9861% | 1,935 |
| Net loans and leases to deposits | 82.3110% | 2,694 |
| Net loans and leases to core deposits | 94.6061% | 2,178 |
| Total domestic deposits to total assets | 89.8861% | 513 |
| Equity capital to assets | 9.5479% | 4,089 |
| Core capital (leverage) ratio | 9.6799% | 3,916 |
| Tier 1 risk-based capital ratio | 11.8169% | 4,558 |
| Total risk-based capital ratio | 12.8766% | 4,544 |
| Memoranda: | ||
| Average total assets | $527,068,400 | 1,337 |
| Average earning assets | $505,216,000 | 1,302 |
| Average equity | $50,489,000 | 1,509 |
| Average total loans | $396,638,000 | 1,266 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,984 |
| Cost of funding earning assets | 0.3053% | 4,481 |
| Net interest margin | 4.2915% | 1,129 |
| Noninterest income to average assets | 0.6065% | 2,273 |
| Noninterest expense to average assets | 2.7234% | 2,906 |
| Loan and lease loss provision to assets | 0.1784% | 1,023 |
| Net operating income to assets | 1.3348% | 1,721 |
| Return on assets (ROA) | 1.2923% | 1,889 |
| Pretax return on assets | 1.7632% | 1,102 |
| Return on Equity (ROE) | 13.4790% | 1,272 |
| Retained earnings to average equity (ytd only) | 3.6495% | 3,941 |
| Net charge-offs to loans | 0.1055% | 1,434 |
| Credit loss provision to net charge-offs | 224.3590% | 1,278 |
| Earnings coverage of net charge-offs (x) | 25.0961% | 1,789 |
| Efficiency ratio | 57.7145% | 4,164 |
| Assets per employee ($millions) | 5.9089% | 1,565 |
| Cash dividends to net income (ytd only)* | 72.9245% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,939 |
| Loan loss allowance to noncurrent loans | 1,236.7292% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,989 |
| Noncurrent loans to loans | 0.0925% | 4,474 |
| Net loans and leases to total assets | 75.7904% | 1,686 |
| Net loans and leases to deposits | 84.2822% | 2,570 |
| Net loans and leases to core deposits | 97.6880% | 1,964 |
| Total domestic deposits to total assets | 89.9245% | 535 |
| Equity capital to assets | 9.5529% | 4,030 |
| Core capital (leverage) ratio | 9.5809% | 4,083 |
| Tier 1 risk-based capital ratio | 11.6020% | 4,731 |
| Total risk-based capital ratio | 12.6463% | 4,735 |
| Memoranda: | ||
| Average total assets | $523,198,500 | 1,347 |
| Average earning assets | $501,350,000 | 1,308 |
| Average equity | $50,160,750 | 1,523 |
| Average total loans | $394,271,000 | 1,275 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 2,159 |
| Cost of funding earning assets | 0.2724% | 4,617 |
| Net interest margin | 4.2083% | 1,269 |
| Noninterest income to average assets | 0.6253% | 2,201 |
| Noninterest expense to average assets | 2.7298% | 2,908 |
| Loan and lease loss provision to assets | 0.1915% | 907 |
| Net operating income to assets | 1.2736% | 1,882 |
| Return on assets (ROA) | 1.2736% | 1,886 |
| Pretax return on assets | 1.7392% | 1,119 |
| Return on Equity (ROE) | 13.2682% | 1,272 |
| Retained earnings to average equity (ytd only) | 8.1500% | 1,559 |
| Net charge-offs to loans | 0.1968% | 798 |
| Credit loss provision to net charge-offs | 129.8701% | 1,723 |
| Earnings coverage of net charge-offs (x) | 13.0961% | 2,166 |
| Efficiency ratio | 58.5737% | 4,142 |
| Assets per employee ($millions) | 5.9431% | 1,506 |
| Cash dividends to net income (ytd only)* | 38.5749% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,286 |
| Loan loss allowance to noncurrent loans | 923.4043% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,968 |
| Noncurrent loans to loans | 0.1187% | 4,373 |
| Net loans and leases to total assets | 74.0423% | 1,940 |
| Net loans and leases to deposits | 82.3873% | 2,730 |
| Net loans and leases to core deposits | 94.6408% | 2,164 |
| Total domestic deposits to total assets | 89.8710% | 615 |
| Equity capital to assets | 9.6372% | 3,975 |
| Core capital (leverage) ratio | 9.8139% | 3,772 |
| Tier 1 risk-based capital ratio | 11.9025% | 4,561 |
| Total risk-based capital ratio | 12.8974% | 4,594 |
| Memoranda: | ||
| Average total assets | $522,301,330 | 1,355 |
| Average earning assets | $500,818,670 | 1,314 |
| Average equity | $50,135,000 | 1,518 |
| Average total loans | $391,299,000 | 1,280 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,948 |
| Cost of funding earning assets | 0.2540% | 4,684 |
| Net interest margin | 4.2194% | 1,132 |
| Noninterest income to average assets | 0.7060% | 1,799 |
| Noninterest expense to average assets | 2.7986% | 2,694 |
| Loan and lease loss provision to assets | 0.2312% | 671 |
| Net operating income to assets | 1.2602% | 1,774 |
| Return on assets (ROA) | 1.2602% | 1,783 |
| Pretax return on assets | 1.7226% | 1,060 |
| Return on Equity (ROE) | 13.1550% | 1,217 |
| Retained earnings to average equity (ytd only) | 8.5125% | 1,661 |
| Net charge-offs to loans | -0.0103% | 4,260 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8874% | 4,237 |
| Assets per employee ($millions) | 5.7297% | 1,739 |
| Cash dividends to net income (ytd only)* | 35.2905% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,012 |
| Loan loss allowance to noncurrent loans | 508.5202% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 4,229 |
| Noncurrent loans to loans | 0.2289% | 3,947 |
| Net loans and leases to total assets | 73.8627% | 1,877 |
| Net loans and leases to deposits | 82.2544% | 2,570 |
| Net loans and leases to core deposits | 96.7470% | 1,919 |
| Total domestic deposits to total assets | 89.7979% | 743 |
| Equity capital to assets | 9.5980% | 4,001 |
| Core capital (leverage) ratio | 9.7095% | 3,832 |
| Tier 1 risk-based capital ratio | 11.9613% | 4,570 |
| Total risk-based capital ratio | 13.0264% | 4,577 |
| Memoranda: | ||
| Average total assets | $518,983,000 | 1,375 |
| Average earning assets | $497,698,500 | 1,332 |
| Average equity | $49,715,000 | 1,544 |
| Average total loans | $388,959,500 | 1,288 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,467 |
| Cost of funding earning assets | 0.1804% | 5,088 |
| Net interest margin | 4.0784% | 1,513 |
| Noninterest income to average assets | 0.6109% | 2,401 |
| Noninterest expense to average assets | 2.7892% | 2,810 |
| Loan and lease loss provision to assets | 0.0642% | 2,934 |
| Net operating income to assets | 0.9969% | 2,255 |
| Return on assets (ROA) | 0.9964% | 2,295 |
| Pretax return on assets | 1.6559% | 1,135 |
| Return on Equity (ROE) | 10.5100% | 1,674 |
| Retained earnings to average equity (ytd only) | 6.7649% | 1,167 |
| Net charge-offs to loans | 0.1342% | 1,714 |
| Credit loss provision to net charge-offs | 65.3924% | 3,160 |
| Earnings coverage of net charge-offs (x) | 17.5252% | 2,119 |
| Efficiency ratio | 61.8434% | 3,964 |
| Assets per employee ($millions) | 5.6148% | 1,830 |
| Cash dividends to net income (ytd only)* | 35.6336% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,416 |
| Loan loss allowance to noncurrent loans | 648.0061% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,955 |
| Noncurrent loans to loans | 0.1679% | 4,248 |
| Net loans and leases to total assets | 74.3444% | 1,864 |
| Net loans and leases to deposits | 82.6594% | 2,648 |
| Net loans and leases to core deposits | 93.6351% | 2,227 |
| Total domestic deposits to total assets | 89.9407% | 591 |
| Equity capital to assets | 9.5604% | 4,178 |
| Core capital (leverage) ratio | 9.4746% | 4,079 |
| Tier 1 risk-based capital ratio | 11.6275% | 4,769 |
| Total risk-based capital ratio | 12.6124% | 4,817 |
| Memoranda: | ||
| Average total assets | $506,123,200 | 1,388 |
| Average earning assets | $483,886,200 | 1,348 |
| Average equity | $47,983,000 | 1,565 |
| Average total loans | $370,293,200 | 1,312 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,585 |
| Cost of funding earning assets | 0.1704% | 5,193 |
| Net interest margin | 4.0368% | 1,582 |
| Noninterest income to average assets | 0.6120% | 2,410 |
| Noninterest expense to average assets | 2.7444% | 2,912 |
| Loan and lease loss provision to assets | 0.0662% | 2,744 |
| Net operating income to assets | 1.0551% | 2,309 |
| Return on assets (ROA) | 1.0544% | 2,346 |
| Pretax return on assets | 1.6576% | 1,222 |
| Return on Equity (ROE) | 11.1462% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.4709% | 1,445 |
| Net charge-offs to loans | 0.1586% | 1,290 |
| Credit loss provision to net charge-offs | 57.4713% | 2,835 |
| Earnings coverage of net charge-offs (x) | 14.9746% | 2,263 |
| Efficiency ratio | 61.4054% | 3,970 |
| Assets per employee ($millions) | 5.5752% | 1,852 |
| Cash dividends to net income (ytd only)* | 32.9733% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,401 |
| Loan loss allowance to noncurrent loans | 312.4629% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,778 |
| Noncurrent loans to loans | 0.3575% | 3,672 |
| Net loans and leases to total assets | 72.6971% | 2,150 |
| Net loans and leases to deposits | 80.8441% | 2,891 |
| Net loans and leases to core deposits | 91.2637% | 2,512 |
| Total domestic deposits to total assets | 89.9226% | 499 |
| Equity capital to assets | 9.6025% | 4,345 |
| Core capital (leverage) ratio | 9.5936% | 4,041 |
| Tier 1 risk-based capital ratio | 11.7703% | 4,790 |
| Total risk-based capital ratio | 12.7775% | 4,837 |
| Memoranda: | ||
| Average total assets | $503,512,500 | 1,403 |
| Average earning assets | $481,130,750 | 1,363 |
| Average equity | $47,632,250 | 1,593 |
| Average total loans | $365,800,750 | 1,338 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,713 |
| Cost of funding earning assets | 0.1632% | 5,253 |
| Net interest margin | 3.9761% | 1,690 |
| Noninterest income to average assets | 0.5516% | 2,707 |
| Noninterest expense to average assets | 2.7627% | 2,882 |
| Loan and lease loss provision to assets | 0.0100% | 3,736 |
| Net operating income to assets | 1.0067% | 2,392 |
| Return on assets (ROA) | 1.0064% | 2,435 |
| Pretax return on assets | 1.5760% | 1,413 |
| Return on Equity (ROE) | 10.6940% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.9778% | 1,604 |
| Net charge-offs to loans | 0.2851% | 712 |
| Credit loss provision to net charge-offs | 4.8450% | 2,882 |
| Earnings coverage of net charge-offs (x) | 7.6919% | 2,580 |
| Efficiency ratio | 63.5236% | 3,757 |
| Assets per employee ($millions) | 5.6619% | 1,737 |
| Cash dividends to net income (ytd only)* | 34.7498% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,749 |
| Loan loss allowance to noncurrent loans | 222.6211% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,931 |
| Noncurrent loans to loans | 0.4794% | 3,311 |
| Net loans and leases to total assets | 71.0678% | 2,360 |
| Net loans and leases to deposits | 78.9100% | 3,031 |
| Net loans and leases to core deposits | 88.8473% | 2,630 |
| Total domestic deposits to total assets | 90.0618% | 517 |
| Equity capital to assets | 9.4660% | 4,437 |
| Core capital (leverage) ratio | 9.5887% | 4,027 |
| Tier 1 risk-based capital ratio | 11.7819% | 4,775 |
| Total risk-based capital ratio | 12.7370% | 4,857 |
| Memoranda: | ||
| Average total assets | $500,376,670 | 1,414 |
| Average earning assets | $477,908,670 | 1,377 |
| Average equity | $47,092,000 | 1,612 |
| Average total loans | $362,037,670 | 1,350 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 2,649 |
| Cost of funding earning assets | 0.1555% | 5,331 |
| Net interest margin | 3.9444% | 1,623 |
| Noninterest income to average assets | 0.5591% | 2,614 |
| Noninterest expense to average assets | 2.7932% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9768% | 2,410 |
| Return on assets (ROA) | 0.9762% | 2,463 |
| Pretax return on assets | 1.5305% | 1,441 |
| Return on Equity (ROE) | 10.4041% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.6380% | 2,008 |
| Net charge-offs to loans | 0.6488% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,499 |
| Efficiency ratio | 64.5896% | 3,731 |
| Assets per employee ($millions) | 5.9325% | 1,555 |
| Cash dividends to net income (ytd only)* | 36.1983% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 4,001 |
| Loan loss allowance to noncurrent loans | 224.1623% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 2,495 |
| Noncurrent loans to loans | 0.4663% | 3,418 |
| Net loans and leases to total assets | 72.4305% | 2,013 |
| Net loans and leases to deposits | 80.4799% | 2,689 |
| Net loans and leases to core deposits | 90.5559% | 2,305 |
| Total domestic deposits to total assets | 89.9983% | 656 |
| Equity capital to assets | 9.4449% | 4,347 |
| Core capital (leverage) ratio | 9.5696% | 4,034 |
| Tier 1 risk-based capital ratio | 11.6877% | 4,920 |
| Total risk-based capital ratio | 12.6294% | 5,005 |
| Memoranda: | ||
| Average total assets | $495,780,000 | 1,428 |
| Average earning assets | $473,275,500 | 1,397 |
| Average equity | $46,520,000 | 1,631 |
| Average total loans | $360,033,000 | 1,363 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,197 |
| Cost of funding earning assets | 0.1388% | 5,494 |
| Net interest margin | 3.8628% | 2,092 |
| Noninterest income to average assets | 0.5840% | 2,743 |
| Noninterest expense to average assets | 2.7980% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9429% | 2,618 |
| Return on assets (ROA) | 0.9540% | 2,670 |
| Pretax return on assets | 1.4870% | 1,628 |
| Return on Equity (ROE) | 10.1473% | 1,900 |
| Retained earnings to average equity (ytd only) | 6.0817% | 1,666 |
| Net charge-offs to loans | 0.0465% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 44.4277% | 1,090 |
| Efficiency ratio | 65.5616% | 3,668 |
| Assets per employee ($millions) | 5.6693% | 1,723 |
| Cash dividends to net income (ytd only)* | 40.0654% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,891 |
| Loan loss allowance to noncurrent loans | 179.6160% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 2,465 |
| Noncurrent loans to loans | 0.6890% | 2,813 |
| Net loans and leases to total assets | 71.1459% | 2,311 |
| Net loans and leases to deposits | 78.8482% | 3,007 |
| Net loans and leases to core deposits | 88.0456% | 2,672 |
| Total domestic deposits to total assets | 90.2315% | 548 |
| Equity capital to assets | 9.3209% | 4,452 |
| Core capital (leverage) ratio | 9.4731% | 4,122 |
| Tier 1 risk-based capital ratio | 11.7954% | 4,867 |
| Total risk-based capital ratio | 12.9095% | 4,855 |
| Memoranda: | ||
| Average total assets | $480,624,800 | 1,430 |
| Average earning assets | $458,349,800 | 1,395 |
| Average equity | $45,184,400 | 1,662 |
| Average total loans | $342,112,200 | 1,369 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,332 |
| Cost of funding earning assets | 0.1365% | 5,574 |
| Net interest margin | 3.8316% | 2,221 |
| Noninterest income to average assets | 0.5923% | 2,703 |
| Noninterest expense to average assets | 2.7648% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9497% | 2,655 |
| Return on assets (ROA) | 0.9645% | 2,729 |
| Pretax return on assets | 1.5037% | 1,705 |
| Return on Equity (ROE) | 10.2367% | 1,953 |
| Retained earnings to average equity (ytd only) | 5.9512% | 2,211 |
| Net charge-offs to loans | 0.0220% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 94.6847% | 692 |
| Efficiency ratio | 65.1253% | 3,741 |
| Assets per employee ($millions) | 5.6258% | 1,739 |
| Cash dividends to net income (ytd only)* | 41.8644% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,780 |
| Loan loss allowance to noncurrent loans | 123.1527% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 2,241 |
| Noncurrent loans to loans | 1.0418% | 2,158 |
| Net loans and leases to total assets | 71.5608% | 2,252 |
| Net loans and leases to deposits | 79.5204% | 3,017 |
| Net loans and leases to core deposits | 88.4642% | 2,717 |
| Total domestic deposits to total assets | 89.9905% | 484 |
| Equity capital to assets | 9.5488% | 4,612 |
| Core capital (leverage) ratio | 9.5424% | 4,128 |
| Tier 1 risk-based capital ratio | 11.8017% | 4,918 |
| Total risk-based capital ratio | 12.9610% | 4,874 |
| Memoranda: | ||
| Average total assets | $477,474,500 | 1,437 |
| Average earning assets | $455,225,250 | 1,410 |
| Average equity | $44,987,250 | 1,673 |
| Average total loans | $338,813,500 | 1,381 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,451 |
| Cost of funding earning assets | 0.1351% | 5,644 |
| Net interest margin | 3.8094% | 2,281 |
| Noninterest income to average assets | 0.5840% | 2,702 |
| Noninterest expense to average assets | 2.7798% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9205% | 2,767 |
| Return on assets (ROA) | 0.9429% | 2,799 |
| Pretax return on assets | 1.4705% | 1,772 |
| Return on Equity (ROE) | 10.0531% | 2,025 |
| Retained earnings to average equity (ytd only) | 5.6882% | 2,311 |
| Net charge-offs to loans | -0.0143% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9447% | 3,688 |
| Assets per employee ($millions) | 5.5255% | 1,773 |
| Cash dividends to net income (ytd only)* | 43.4181% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,547 |
| Loan loss allowance to noncurrent loans | 150.4599% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 2,571 |
| Noncurrent loans to loans | 0.8946% | 2,488 |
| Net loans and leases to total assets | 69.8279% | 2,508 |
| Net loans and leases to deposits | 77.5063% | 3,209 |
| Net loans and leases to core deposits | 86.1241% | 2,885 |
| Total domestic deposits to total assets | 90.0931% | 454 |
| Equity capital to assets | 9.4455% | 4,822 |
| Core capital (leverage) ratio | 9.4565% | 4,260 |
| Tier 1 risk-based capital ratio | 11.8794% | 4,923 |
| Total risk-based capital ratio | 13.0872% | 4,829 |
| Memoranda: | ||
| Average total assets | $475,360,000 | 1,444 |
| Average earning assets | $453,145,330 | 1,416 |
| Average equity | $44,583,330 | 1,686 |
| Average total loans | $334,843,330 | 1,394 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 3,490 |
| Cost of funding earning assets | 0.1350% | 5,718 |
| Net interest margin | 3.7886% | 2,331 |
| Noninterest income to average assets | 0.5721% | 2,667 |
| Noninterest expense to average assets | 2.7875% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8927% | 2,792 |
| Return on assets (ROA) | 0.9376% | 2,677 |
| Pretax return on assets | 1.4657% | 1,698 |
| Return on Equity (ROE) | 10.0335% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.3557% | 3,299 |
| Net charge-offs to loans | -0.0157% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6397% | 3,696 |
| Assets per employee ($millions) | 5.5161% | 1,819 |
| Cash dividends to net income (ytd only)* | 56.5884% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,553 |
| Loan loss allowance to noncurrent loans | 130.1709% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 2,124 |
| Noncurrent loans to loans | 1.0536% | 2,288 |
| Net loans and leases to total assets | 68.4683% | 2,587 |
| Net loans and leases to deposits | 75.9689% | 3,225 |
| Net loans and leases to core deposits | 85.2941% | 2,815 |
| Total domestic deposits to total assets | 90.1267% | 547 |
| Equity capital to assets | 9.2888% | 4,897 |
| Core capital (leverage) ratio | 9.4902% | 4,209 |
| Tier 1 risk-based capital ratio | 11.8214% | 5,038 |
| Total risk-based capital ratio | 13.0417% | 4,958 |
| Memoranda: | ||
| Average total assets | $472,682,500 | 1,452 |
| Average earning assets | $450,505,500 | 1,422 |
| Average equity | $44,172,000 | 1,700 |
| Average total loans | $332,138,500 | 1,394 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,503 |
| Cost of funding earning assets | 0.1409% | 5,745 |
| Net interest margin | 3.8128% | 2,328 |
| Noninterest income to average assets | 0.6828% | 2,280 |
| Noninterest expense to average assets | 2.9976% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8385% | 3,165 |
| Return on assets (ROA) | 0.8388% | 3,234 |
| Pretax return on assets | 1.2995% | 2,283 |
| Return on Equity (ROE) | 8.9652% | 2,472 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,385 |
| Net charge-offs to loans | 0.1172% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.8495% | 2,175 |
| Efficiency ratio | 69.7657% | 3,259 |
| Assets per employee ($millions) | 5.2299% | 2,086 |
| Cash dividends to net income (ytd only)* | 24.3761% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,530 |
| Loan loss allowance to noncurrent loans | 126.1700% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 2,003 |
| Noncurrent loans to loans | 1.0905% | 2,157 |
| Net loans and leases to total assets | 70.1605% | 2,340 |
| Net loans and leases to deposits | 77.9321% | 3,058 |
| Net loans and leases to core deposits | 87.3986% | 2,662 |
| Total domestic deposits to total assets | 90.0278% | 620 |
| Equity capital to assets | 9.4029% | 4,668 |
| Core capital (leverage) ratio | 9.4344% | 4,272 |
| Tier 1 risk-based capital ratio | 11.8178% | 5,058 |
| Total risk-based capital ratio | 13.0481% | 4,991 |
| Memoranda: | ||
| Average total assets | $453,864,600 | 1,478 |
| Average earning assets | $430,184,800 | 1,452 |
| Average equity | $42,464,200 | 1,716 |
| Average total loans | $317,329,400 | 1,398 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,588 |
| Cost of funding earning assets | 0.1411% | 5,839 |
| Net interest margin | 3.7981% | 2,394 |
| Noninterest income to average assets | 0.7096% | 2,189 |
| Noninterest expense to average assets | 2.9332% | 2,729 |
| Loan and lease loss provision to assets | 0.0887% | 2,383 |
| Net operating income to assets | 0.8286% | 3,287 |
| Return on assets (ROA) | 0.8290% | 3,372 |
| Pretax return on assets | 1.2843% | 2,453 |
| Return on Equity (ROE) | 8.8721% | 2,646 |
| Retained earnings to average equity (ytd only) | 6.7427% | 1,810 |
| Net charge-offs to loans | 0.0769% | 2,462 |
| Credit loss provision to net charge-offs | 165.7459% | 1,558 |
| Earnings coverage of net charge-offs (x) | 25.6461% | 1,654 |
| Efficiency ratio | 68.1247% | 3,513 |
| Assets per employee ($millions) | 5.2990% | 1,954 |
| Cash dividends to net income (ytd only)* | 24.0014% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,961 |
| Loan loss allowance to noncurrent loans | 151.4706% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9831% | 2,390 |
| Noncurrent loans to loans | 1.0242% | 2,430 |
| Net loans and leases to total assets | 70.2775% | 2,348 |
| Net loans and leases to deposits | 78.1659% | 3,085 |
| Net loans and leases to core deposits | 87.1079% | 2,743 |
| Total domestic deposits to total assets | 89.9080% | 611 |
| Equity capital to assets | 9.4982% | 4,755 |
| Core capital (leverage) ratio | 9.5344% | 4,255 |
| Tier 1 risk-based capital ratio | 11.9333% | 5,118 |
| Total risk-based capital ratio | 13.1849% | 5,036 |
| Memoranda: | ||
| Average total assets | $450,964,750 | 1,495 |
| Average earning assets | $426,979,750 | 1,463 |
| Average equity | $42,138,500 | 1,748 |
| Average total loans | $313,879,750 | 1,416 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 3,590 |
| Cost of funding earning assets | 0.1416% | 5,909 |
| Net interest margin | 3.7849% | 2,386 |
| Noninterest income to average assets | 0.7326% | 2,073 |
| Noninterest expense to average assets | 2.8684% | 3,006 |
| Loan and lease loss provision to assets | 0.1335% | 1,639 |
| Net operating income to assets | 0.8446% | 3,149 |
| Return on assets (ROA) | 0.8452% | 3,255 |
| Pretax return on assets | 1.3129% | 2,317 |
| Return on Equity (ROE) | 9.0956% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.0983% | 1,656 |
| Net charge-offs to loans | 0.0916% | 2,108 |
| Credit loss provision to net charge-offs | 211.2676% | 1,178 |
| Earnings coverage of net charge-offs (x) | 22.8732% | 1,628 |
| Efficiency ratio | 66.4913% | 3,921 |
| Assets per employee ($millions) | 5.0281% | 2,242 |
| Cash dividends to net income (ytd only)* | 21.9589% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,821 |
| Loan loss allowance to noncurrent loans | 174.4170% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 2,696 |
| Noncurrent loans to loans | 0.9332% | 2,800 |
| Net loans and leases to total assets | 67.9293% | 2,656 |
| Net loans and leases to deposits | 75.4165% | 3,328 |
| Net loans and leases to core deposits | 84.2744% | 2,955 |
| Total domestic deposits to total assets | 90.0722% | 630 |
| Equity capital to assets | 9.3848% | 4,803 |
| Core capital (leverage) ratio | 9.4214% | 4,387 |
| Tier 1 risk-based capital ratio | 12.0151% | 5,138 |
| Total risk-based capital ratio | 13.2676% | 5,037 |
| Memoranda: | ||
| Average total assets | $449,380,330 | 1,515 |
| Average earning assets | $425,215,670 | 1,479 |
| Average equity | $41,756,330 | 1,767 |
| Average total loans | $310,068,330 | 1,432 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 3,643 |
| Cost of funding earning assets | 0.1425% | 5,983 |
| Net interest margin | 3.7528% | 2,422 |
| Noninterest income to average assets | 0.6887% | 2,212 |
| Noninterest expense to average assets | 2.8075% | 3,230 |
| Loan and lease loss provision to assets | 0.1786% | 1,077 |
| Net operating income to assets | 0.8099% | 3,212 |
| Return on assets (ROA) | 0.8111% | 3,329 |
| Pretax return on assets | 1.2559% | 2,446 |
| Return on Equity (ROE) | 8.7729% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.7536% | 2,124 |
| Net charge-offs to loans | -0.0259% | 5,171 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2102% | 4,126 |
| Assets per employee ($millions) | 5.1213% | 2,200 |
| Cash dividends to net income (ytd only)* | 23.0176% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 1,862 |
| Loan loss allowance to noncurrent loans | 170.0132% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 2,582 |
| Noncurrent loans to loans | 0.9749% | 2,821 |
| Net loans and leases to total assets | 68.5561% | 2,358 |
| Net loans and leases to deposits | 76.1096% | 3,042 |
| Net loans and leases to core deposits | 85.0347% | 2,655 |
| Total domestic deposits to total assets | 90.0755% | 710 |
| Equity capital to assets | 9.4144% | 4,845 |
| Core capital (leverage) ratio | 9.1996% | 4,712 |
| Tier 1 risk-based capital ratio | 11.9671% | 5,261 |
| Total risk-based capital ratio | 13.2199% | 5,151 |
| Memoranda: | ||
| Average total assets | $447,806,000 | 1,528 |
| Average earning assets | $423,786,500 | 1,489 |
| Average equity | $41,400,000 | 1,779 |
| Average total loans | $308,859,500 | 1,441 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 4,377 |
| Cost of funding earning assets | 0.1523% | 6,087 |
| Net interest margin | 3.6819% | 3,077 |
| Noninterest income to average assets | 0.7055% | 2,277 |
| Noninterest expense to average assets | 3.0997% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6715% | 4,026 |
| Return on assets (ROA) | 0.6760% | 4,122 |
| Pretax return on assets | 1.0656% | 3,226 |
| Return on Equity (ROE) | 7.5498% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.3552% | 1,730 |
| Net charge-offs to loans | 0.3210% | 1,377 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.0011% | 3,521 |
| Efficiency ratio | 74.5434% | 2,745 |
| Assets per employee ($millions) | 5.1143% | 2,178 |
| Cash dividends to net income (ytd only)* | 15.8232% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 2,071 |
| Loan loss allowance to noncurrent loans | 259.6417% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 3,313 |
| Noncurrent loans to loans | 0.6180% | 3,830 |
| Net loans and leases to total assets | 67.1444% | 2,704 |
| Net loans and leases to deposits | 74.2503% | 3,407 |
| Net loans and leases to core deposits | 82.2583% | 3,075 |
| Total domestic deposits to total assets | 90.4297% | 566 |
| Equity capital to assets | 9.0775% | 5,206 |
| Core capital (leverage) ratio | 9.0247% | 4,956 |
| Tier 1 risk-based capital ratio | 11.9612% | 5,388 |
| Total risk-based capital ratio | 13.2136% | 5,289 |
| Memoranda: | ||
| Average total assets | $438,432,000 | 1,517 |
| Average earning assets | $411,148,400 | 1,490 |
| Average equity | $39,259,200 | 1,802 |
| Average total loans | $289,066,600 | 1,479 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,534 |
| Cost of funding earning assets | 0.1534% | 6,168 |
| Net interest margin | 3.6500% | 3,224 |
| Noninterest income to average assets | 0.7029% | 2,316 |
| Noninterest expense to average assets | 3.1422% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6267% | 4,320 |
| Return on assets (ROA) | 0.6316% | 4,400 |
| Pretax return on assets | 0.9839% | 3,655 |
| Return on Equity (ROE) | 7.0781% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.9631% | 2,437 |
| Net charge-offs to loans | 0.2647% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.6443% | 3,225 |
| Efficiency ratio | 76.2953% | 2,448 |
| Assets per employee ($millions) | 4.9068% | 2,370 |
| Cash dividends to net income (ytd only)* | 15.7537% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,787 |
| Loan loss allowance to noncurrent loans | 102.4593% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.8759% | 1,569 |
| Noncurrent loans to loans | 1.7202% | 1,890 |
| Net loans and leases to total assets | 66.7797% | 2,725 |
| Net loans and leases to deposits | 73.8703% | 3,444 |
| Net loans and leases to core deposits | 81.9925% | 3,100 |
| Total domestic deposits to total assets | 90.4012% | 568 |
| Equity capital to assets | 9.0655% | 5,283 |
| Core capital (leverage) ratio | 9.0896% | 4,945 |
| Tier 1 risk-based capital ratio | 11.9647% | 5,512 |
| Total risk-based capital ratio | 13.2187% | 5,423 |
| Memoranda: | ||
| Average total assets | $435,525,000 | 1,535 |
| Average earning assets | $407,554,250 | 1,511 |
| Average equity | $38,860,500 | 1,830 |
| Average total loans | $284,553,750 | 1,503 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,775 |
| Cost of funding earning assets | 0.1528% | 6,253 |
| Net interest margin | 3.5746% | 3,467 |
| Noninterest income to average assets | 0.6851% | 2,354 |
| Noninterest expense to average assets | 3.0782% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6108% | 4,305 |
| Return on assets (ROA) | 0.6182% | 4,359 |
| Pretax return on assets | 0.9633% | 3,629 |
| Return on Equity (ROE) | 6.9666% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.9996% | 2,324 |
| Net charge-offs to loans | 0.4074% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.6257% | 3,255 |
| Efficiency ratio | 76.3824% | 2,558 |
| Assets per employee ($millions) | 4.9122% | 2,325 |
| Cash dividends to net income (ytd only)* | 13.8806% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 1,735 |
| Loan loss allowance to noncurrent loans | 98.7117% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 1,600 |
| Noncurrent loans to loans | 1.8613% | 1,846 |
| Net loans and leases to total assets | 64.6123% | 2,983 |
| Net loans and leases to deposits | 71.4213% | 3,647 |
| Net loans and leases to core deposits | 78.4112% | 3,389 |
| Total domestic deposits to total assets | 90.4665% | 600 |
| Equity capital to assets | 9.0102% | 5,292 |
| Core capital (leverage) ratio | 9.1230% | 4,850 |
| Tier 1 risk-based capital ratio | 12.1871% | 5,430 |
| Total risk-based capital ratio | 13.4418% | 5,342 |
| Memoranda: | ||
| Average total assets | $433,497,000 | 1,545 |
| Average earning assets | $405,638,000 | 1,509 |
| Average equity | $38,469,330 | 1,838 |
| Average total loans | $279,339,670 | 1,526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,884 |
| Cost of funding earning assets | 0.1503% | 6,351 |
| Net interest margin | 3.5387% | 3,528 |
| Noninterest income to average assets | 0.6783% | 2,299 |
| Noninterest expense to average assets | 3.1303% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5564% | 4,426 |
| Return on assets (ROA) | 0.5653% | 4,462 |
| Pretax return on assets | 0.8785% | 3,789 |
| Return on Equity (ROE) | 6.4196% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.4409% | 2,823 |
| Net charge-offs to loans | 0.6295% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.1547% | 2,939 |
| Efficiency ratio | 78.3577% | 2,433 |
| Assets per employee ($millions) | 4.7764% | 2,555 |
| Cash dividends to net income (ytd only)* | 15.2459% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 1,559 |
| Loan loss allowance to noncurrent loans | 137.0483% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8054% | 1,939 |
| Noncurrent loans to loans | 1.4430% | 2,623 |
| Net loans and leases to total assets | 62.5309% | 3,151 |
| Net loans and leases to deposits | 69.0416% | 3,732 |
| Net loans and leases to core deposits | 75.8069% | 3,423 |
| Total domestic deposits to total assets | 90.5700% | 759 |
| Equity capital to assets | 8.9257% | 5,191 |
| Core capital (leverage) ratio | 9.0509% | 4,935 |
| Tier 1 risk-based capital ratio | 12.4451% | 5,350 |
| Total risk-based capital ratio | 13.7010% | 5,282 |
| Memoranda: | ||
| Average total assets | $431,654,000 | 1,557 |
| Average earning assets | $404,553,500 | 1,518 |
| Average equity | $38,008,500 | 1,852 |
| Average total loans | $275,129,000 | 1,555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,859 |
| Cost of funding earning assets | 0.1695% | 6,445 |
| Net interest margin | 3.6188% | 3,381 |
| Noninterest income to average assets | 0.6923% | 2,584 |
| Noninterest expense to average assets | 3.1367% | 2,624 |
| Loan and lease loss provision to assets | 0.1837% | 2,005 |
| Net operating income to assets | 0.5004% | 4,737 |
| Return on assets (ROA) | 0.5114% | 4,813 |
| Pretax return on assets | 0.7734% | 4,249 |
| Return on Equity (ROE) | 5.8690% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.8555% | 2,065 |
| Net charge-offs to loans | 0.6921% | 941 |
| Credit loss provision to net charge-offs | 40.7833% | 4,028 |
| Earnings coverage of net charge-offs (x) | 2.0877% | 4,346 |
| Efficiency ratio | 76.9342% | 2,630 |
| Assets per employee ($millions) | 4.7630% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.2300% | 4,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,298 |
| Loan loss allowance to noncurrent loans | 101.1050% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.8866% | 1,927 |
| Noncurrent loans to loans | 2.0983% | 1,886 |
| Net loans and leases to total assets | 62.3335% | 3,314 |
| Net loans and leases to deposits | 68.6576% | 3,956 |
| Net loans and leases to core deposits | 75.3532% | 3,685 |
| Total domestic deposits to total assets | 90.7890% | 666 |
| Equity capital to assets | 8.6859% | 5,389 |
| Core capital (leverage) ratio | 8.7702% | 5,332 |
| Tier 1 risk-based capital ratio | 12.3229% | 5,413 |
| Total risk-based capital ratio | 13.5807% | 5,334 |
| Memoranda: | ||
| Average total assets | $425,125,800 | 1,557 |
| Average earning assets | $397,649,000 | 1,522 |
| Average equity | $37,042,000 | 1,864 |
| Average total loans | $276,705,000 | 1,524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,834 |
| Cost of funding earning assets | 0.1731% | 6,534 |
| Net interest margin | 3.6324% | 3,313 |
| Noninterest income to average assets | 0.6726% | 2,766 |
| Noninterest expense to average assets | 3.1368% | 2,542 |
| Loan and lease loss provision to assets | 0.2950% | 1,157 |
| Net operating income to assets | 0.4271% | 5,127 |
| Return on assets (ROA) | 0.4419% | 5,199 |
| Pretax return on assets | 0.6549% | 4,838 |
| Return on Equity (ROE) | 5.0671% | 4,692 |
| Retained earnings to average equity (ytd only) | 5.0491% | 3,045 |
| Net charge-offs to loans | 0.9342% | 618 |
| Credit loss provision to net charge-offs | 48.2474% | 3,553 |
| Earnings coverage of net charge-offs (x) | 1.5175% | 4,331 |
| Efficiency ratio | 77.1730% | 2,527 |
| Assets per employee ($millions) | 4.6496% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.3568% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 1,287 |
| Loan loss allowance to noncurrent loans | 139.2417% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 2,276 |
| Noncurrent loans to loans | 1.6010% | 2,773 |
| Net loans and leases to total assets | 61.3758% | 3,467 |
| Net loans and leases to deposits | 67.5745% | 4,112 |
| Net loans and leases to core deposits | 74.5091% | 3,784 |
| Total domestic deposits to total assets | 90.8269% | 603 |
| Equity capital to assets | 8.6719% | 5,548 |
| Core capital (leverage) ratio | 8.6742% | 5,572 |
| Tier 1 risk-based capital ratio | 12.1459% | 5,685 |
| Total risk-based capital ratio | 13.4048% | 5,619 |
| Memoranda: | ||
| Average total assets | $423,048,250 | 1,570 |
| Average earning assets | $395,069,500 | 1,540 |
| Average equity | $36,890,500 | 1,888 |
| Average total loans | $276,873,250 | 1,525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,772 |
| Cost of funding earning assets | 0.1777% | 6,580 |
| Net interest margin | 3.6384% | 3,214 |
| Noninterest income to average assets | 0.6572% | 2,873 |
| Noninterest expense to average assets | 3.1257% | 2,590 |
| Loan and lease loss provision to assets | 0.4442% | 659 |
| Net operating income to assets | 0.3406% | 5,444 |
| Return on assets (ROA) | 0.3635% | 5,529 |
| Pretax return on assets | 0.5210% | 5,300 |
| Return on Equity (ROE) | 4.1605% | 5,149 |
| Retained earnings to average equity (ytd only) | 4.1605% | 3,639 |
| Net charge-offs to loans | 0.9476% | 650 |
| Credit loss provision to net charge-offs | 70.6415% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.4830% | 4,040 |
| Efficiency ratio | 77.0229% | 2,621 |
| Assets per employee ($millions) | 4.5898% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4064% | 1,085 |
| Loan loss allowance to noncurrent loans | 78.2109% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 1,904 |
| Noncurrent loans to loans | 3.0768% | 1,443 |
| Net loans and leases to total assets | 63.3997% | 3,023 |
| Net loans and leases to deposits | 69.7984% | 3,742 |
| Net loans and leases to core deposits | 76.3592% | 3,502 |
| Total domestic deposits to total assets | 90.8327% | 609 |
| Equity capital to assets | 8.6529% | 5,609 |
| Core capital (leverage) ratio | 8.3856% | 5,781 |
| Tier 1 risk-based capital ratio | 11.7385% | 5,962 |
| Total risk-based capital ratio | 13.0002% | 5,915 |
| Memoranda: | ||
| Average total assets | $421,477,670 | 1,579 |
| Average earning assets | $393,961,330 | 1,549 |
| Average equity | $36,822,330 | 1,896 |
| Average total loans | $279,655,330 | 1,513 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,867 |
| Cost of funding earning assets | 0.1844% | 6,651 |
| Net interest margin | 3.6030% | 3,250 |
| Noninterest income to average assets | 0.6374% | 2,947 |
| Noninterest expense to average assets | 3.1623% | 2,474 |
| Loan and lease loss provision to assets | 0.5700% | 455 |
| Net operating income to assets | 0.2025% | 5,881 |
| Return on assets (ROA) | 0.2422% | 5,878 |
| Pretax return on assets | 0.3173% | 5,821 |
| Return on Equity (ROE) | 2.7594% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.7594% | 4,631 |
| Net charge-offs to loans | 0.7849% | 778 |
| Credit loss provision to net charge-offs | 108.3032% | 1,717 |
| Earnings coverage of net charge-offs (x) | 1.5866% | 3,302 |
| Efficiency ratio | 79.1112% | 2,455 |
| Assets per employee ($millions) | 4.4906% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5051% | 1,110 |
| Loan loss allowance to noncurrent loans | 78.9232% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.8613% | 1,575 |
| Noncurrent loans to loans | 3.1740% | 1,561 |
| Net loans and leases to total assets | 64.8721% | 2,559 |
| Net loans and leases to deposits | 71.4898% | 3,254 |
| Net loans and leases to core deposits | 78.8176% | 2,953 |
| Total domestic deposits to total assets | 90.7431% | 643 |
| Equity capital to assets | 8.7760% | 5,730 |
| Core capital (leverage) ratio | 8.3111% | 5,813 |
| Tier 1 risk-based capital ratio | 11.4120% | 6,235 |
| Total risk-based capital ratio | 12.6752% | 6,199 |
| Memoranda: | ||
| Average total assets | $421,085,500 | 1,598 |
| Average earning assets | $392,669,500 | 1,561 |
| Average equity | $36,964,500 | 1,917 |
| Average total loans | $282,326,000 | 1,503 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 5,350 |
| Cost of funding earning assets | 0.2360% | 6,726 |
| Net interest margin | 3.7512% | 3,428 |
| Noninterest income to average assets | 0.6573% | 2,953 |
| Noninterest expense to average assets | 3.4215% | 2,004 |
| Loan and lease loss provision to assets | 1.3020% | 266 |
| Net operating income to assets | -0.2881% | 6,429 |
| Return on assets (ROA) | -0.1438% | 6,415 |
| Pretax return on assets | -0.3483% | 6,505 |
| Return on Equity (ROE) | -1.6595% | 6,433 |
| Retained earnings to average equity (ytd only) | -1.6730% | 6,115 |
| Net charge-offs to loans | 2.0088% | 360 |
| Credit loss provision to net charge-offs | 95.3277% | 3,261 |
| Earnings coverage of net charge-offs (x) | 0.5331% | 5,222 |
| Efficiency ratio | 82.4537% | 1,810 |
| Assets per employee ($millions) | 4.5658% | 2,851 |
| Cash dividends to net income (ytd only)* | -0.8130% | 7,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4632% | 1,166 |
| Loan loss allowance to noncurrent loans | 68.8534% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.0253% | 1,562 |
| Noncurrent loans to loans | 3.5774% | 1,380 |
| Net loans and leases to total assets | 65.8939% | 2,542 |
| Net loans and leases to deposits | 72.6567% | 3,309 |
| Net loans and leases to core deposits | 79.6557% | 3,055 |
| Total domestic deposits to total assets | 90.6921% | 616 |
| Equity capital to assets | 8.7808% | 5,761 |
| Core capital (leverage) ratio | 8.1869% | 6,014 |
| Tier 1 risk-based capital ratio | 11.3186% | 6,207 |
| Total risk-based capital ratio | 12.5815% | 6,169 |
| Memoranda: | ||
| Average total assets | $427,818,600 | 1,535 |
| Average earning assets | $398,299,400 | 1,512 |
| Average equity | $37,060,200 | 1,872 |
| Average total loans | $290,870,200 | 1,442 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 5,528 |
| Cost of funding earning assets | 0.2455% | 6,828 |
| Net interest margin | 3.7513% | 3,547 |
| Noninterest income to average assets | 0.6577% | 2,951 |
| Noninterest expense to average assets | 3.4260% | 1,941 |
| Loan and lease loss provision to assets | 1.5822% | 196 |
| Net operating income to assets | -0.4547% | 6,677 |
| Return on assets (ROA) | -0.2631% | 6,608 |
| Pretax return on assets | -0.5575% | 6,727 |
| Return on Equity (ROE) | -3.0472% | 6,624 |
| Retained earnings to average equity (ytd only) | -3.0651% | 6,484 |
| Net charge-offs to loans | 2.4571% | 258 |
| Credit loss provision to net charge-offs | 94.5670% | 3,160 |
| Earnings coverage of net charge-offs (x) | 0.4335% | 5,109 |
| Efficiency ratio | 82.5275% | 1,751 |
| Assets per employee ($millions) | 4.5311% | 2,861 |
| Cash dividends to net income (ytd only)* | -0.5899% | 7,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4078% | 1,347 |
| Loan loss allowance to noncurrent loans | 64.2633% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 1,609 |
| Noncurrent loans to loans | 3.7468% | 1,422 |
| Net loans and leases to total assets | 65.6290% | 2,722 |
| Net loans and leases to deposits | 72.1445% | 3,590 |
| Net loans and leases to core deposits | 80.2241% | 3,180 |
| Total domestic deposits to total assets | 90.9688% | 421 |
| Equity capital to assets | 8.5375% | 6,232 |
| Core capital (leverage) ratio | 7.9868% | 6,339 |
| Tier 1 risk-based capital ratio | 11.0395% | 6,461 |
| Total risk-based capital ratio | 12.3017% | 6,431 |
| Memoranda: | ||
| Average total assets | $429,759,750 | 1,549 |
| Average earning assets | $400,242,500 | 1,523 |
| Average equity | $37,104,250 | 1,893 |
| Average total loans | $292,642,750 | 1,450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 5,541 |
| Cost of funding earning assets | 0.2558% | 6,890 |
| Net interest margin | 3.7776% | 3,468 |
| Noninterest income to average assets | 0.6346% | 3,040 |
| Noninterest expense to average assets | 3.5616% | 1,657 |
| Loan and lease loss provision to assets | 1.8625% | 167 |
| Net operating income to assets | -0.6960% | 6,817 |
| Return on assets (ROA) | -0.5303% | 6,781 |
| Pretax return on assets | -1.0165% | 6,901 |
| Return on Equity (ROE) | -6.1200% | 6,803 |
| Retained earnings to average equity (ytd only) | -6.1200% | 6,678 |
| Net charge-offs to loans | 2.6844% | 245 |
| Credit loss provision to net charge-offs | 101.4713% | 2,680 |
| Earnings coverage of net charge-offs (x) | 0.3199% | 4,918 |
| Efficiency ratio | 85.8474% | 1,450 |
| Assets per employee ($millions) | 4.5587% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 1,263 |
| Loan loss allowance to noncurrent loans | 85.3661% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 3.2349% | 1,684 |
| Noncurrent loans to loans | 2.9449% | 2,026 |
| Net loans and leases to total assets | 66.2518% | 2,620 |
| Net loans and leases to deposits | 72.8697% | 3,475 |
| Net loans and leases to core deposits | 80.7681% | 3,120 |
| Total domestic deposits to total assets | 90.9182% | 479 |
| Equity capital to assets | 8.5551% | 6,160 |
| Core capital (leverage) ratio | 8.3782% | 5,820 |
| Tier 1 risk-based capital ratio | 11.3650% | 6,302 |
| Total risk-based capital ratio | 12.6282% | 6,267 |
| Memoranda: | ||
| Average total assets | $429,528,670 | 1,550 |
| Average earning assets | $399,561,330 | 1,528 |
| Average equity | $37,222,330 | 1,870 |
| Average total loans | $293,699,670 | 1,446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 5,669 |
| Cost of funding earning assets | 0.2728% | 6,931 |
| Net interest margin | 3.7579% | 3,568 |
| Noninterest income to average assets | 0.6232% | 3,089 |
| Noninterest expense to average assets | 3.4220% | 1,949 |
| Loan and lease loss provision to assets | 2.5579% | 95 |
| Net operating income to assets | -1.0278% | 6,996 |
| Return on assets (ROA) | -1.0278% | 7,016 |
| Pretax return on assets | -1.8594% | 7,124 |
| Return on Equity (ROE) | -11.7856% | 7,023 |
| Retained earnings to average equity (ytd only) | -11.7856% | 6,894 |
| Net charge-offs to loans | 3.6835% | 172 |
| Credit loss provision to net charge-offs | 101.2518% | 2,271 |
| Earnings coverage of net charge-offs (x) | 0.2765% | 4,222 |
| Efficiency ratio | 83.0474% | 1,794 |
| Assets per employee ($millions) | 4.5531% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 1,385 |
| Loan loss allowance to noncurrent loans | 64.8738% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 3.8062% | 1,468 |
| Noncurrent loans to loans | 3.8248% | 1,620 |
| Net loans and leases to total assets | 67.0066% | 2,286 |
| Net loans and leases to deposits | 73.7254% | 3,154 |
| Net loans and leases to core deposits | 82.1780% | 2,805 |
| Total domestic deposits to total assets | 90.8867% | 605 |
| Equity capital to assets | 8.6112% | 5,981 |
| Core capital (leverage) ratio | 8.2794% | 5,907 |
| Tier 1 risk-based capital ratio | 11.2845% | 6,397 |
| Total risk-based capital ratio | 12.5476% | 6,370 |
| Memoranda: | ||
| Average total assets | $430,035,500 | 1,552 |
| Average earning assets | $400,223,000 | 1,517 |
| Average equity | $37,503,500 | 1,862 |
| Average total loans | $294,939,500 | 1,442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 5,991 |
| Cost of funding earning assets | 0.3895% | 6,921 |
| Net interest margin | 3.8341% | 3,653 |
| Noninterest income to average assets | 0.6223% | 3,051 |
| Noninterest expense to average assets | 3.1966% | 2,881 |
| Loan and lease loss provision to assets | 1.2200% | 714 |
| Net operating income to assets | -0.0242% | 6,075 |
| Return on assets (ROA) | 0.0086% | 6,145 |
| Pretax return on assets | -0.1646% | 6,254 |
| Return on Equity (ROE) | 0.0969% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.0838% | 5,795 |
| Net charge-offs to loans | 1.3751% | 1,194 |
| Credit loss provision to net charge-offs | 126.4827% | 2,456 |
| Earnings coverage of net charge-offs (x) | 1.0409% | 5,012 |
| Efficiency ratio | 76.0978% | 2,875 |
| Assets per employee ($millions) | 4.3208% | 3,216 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 1,377 |
| Loan loss allowance to noncurrent loans | 59.1787% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.6127% | 1,630 |
| Noncurrent loans to loans | 4.1491% | 1,484 |
| Net loans and leases to total assets | 66.7786% | 2,628 |
| Net loans and leases to deposits | 73.6719% | 3,552 |
| Net loans and leases to core deposits | 83.6415% | 2,937 |
| Total domestic deposits to total assets | 90.6432% | 647 |
| Equity capital to assets | 8.8298% | 5,762 |
| Core capital (leverage) ratio | 8.4630% | 5,621 |
| Tier 1 risk-based capital ratio | 11.5924% | 6,103 |
| Total risk-based capital ratio | 12.8552% | 6,073 |
| Memoranda: | ||
| Average total assets | $428,270,200 | 1,523 |
| Average earning assets | $399,704,200 | 1,489 |
| Average equity | $38,193,800 | 1,765 |
| Average total loans | $300,422,400 | 1,416 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 6,167 |
| Cost of funding earning assets | 0.4109% | 6,991 |
| Net interest margin | 3.8070% | 3,837 |
| Noninterest income to average assets | 0.6318% | 2,981 |
| Noninterest expense to average assets | 3.1492% | 2,998 |
| Loan and lease loss provision to assets | 1.1155% | 731 |
| Net operating income to assets | 0.0296% | 6,113 |
| Return on assets (ROA) | 0.1170% | 6,038 |
| Pretax return on assets | 0.0078% | 6,220 |
| Return on Equity (ROE) | 1.3087% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.2913% | 5,489 |
| Net charge-offs to loans | 1.0814% | 1,475 |
| Credit loss provision to net charge-offs | 146.1570% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.3573% | 4,600 |
| Efficiency ratio | 75.2479% | 2,968 |
| Assets per employee ($millions) | 4.2450% | 3,372 |
| Cash dividends to net income (ytd only)* | 1.3340% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4259% | 1,495 |
| Loan loss allowance to noncurrent loans | 46.3336% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 3.8085% | 1,628 |
| Noncurrent loans to loans | 5.2357% | 1,166 |
| Net loans and leases to total assets | 67.1363% | 2,646 |
| Net loans and leases to deposits | 73.9851% | 3,658 |
| Net loans and leases to core deposits | 85.2002% | 2,883 |
| Total domestic deposits to total assets | 90.7429% | 536 |
| Equity capital to assets | 8.8564% | 5,910 |
| Core capital (leverage) ratio | 8.5885% | 5,571 |
| Tier 1 risk-based capital ratio | 11.8034% | 6,037 |
| Total risk-based capital ratio | 13.0667% | 6,011 |
| Memoranda: | ||
| Average total assets | $427,317,000 | 1,538 |
| Average earning assets | $398,832,750 | 1,509 |
| Average equity | $38,204,250 | 1,765 |
| Average total loans | $301,577,500 | 1,419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 6,160 |
| Cost of funding earning assets | 0.4299% | 7,061 |
| Net interest margin | 3.8199% | 3,690 |
| Noninterest income to average assets | 0.6316% | 2,939 |
| Noninterest expense to average assets | 3.0358% | 3,503 |
| Loan and lease loss provision to assets | 0.5542% | 1,748 |
| Net operating income to assets | 0.4917% | 4,537 |
| Return on assets (ROA) | 0.5113% | 4,591 |
| Pretax return on assets | 0.6415% | 4,609 |
| Return on Equity (ROE) | 5.7006% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.6743% | 2,607 |
| Net charge-offs to loans | 0.8561% | 1,797 |
| Credit loss provision to net charge-offs | 90.9443% | 3,429 |
| Earnings coverage of net charge-offs (x) | 1.9218% | 3,901 |
| Efficiency ratio | 72.1606% | 3,702 |
| Assets per employee ($millions) | 4.3077% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.4613% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 2,313 |
| Loan loss allowance to noncurrent loans | 35.7556% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 4.2107% | 1,507 |
| Noncurrent loans to loans | 5.6498% | 1,103 |
| Net loans and leases to total assets | 68.8305% | 2,450 |
| Net loans and leases to deposits | 76.1889% | 3,431 |
| Net loans and leases to core deposits | 87.5408% | 2,698 |
| Total domestic deposits to total assets | 90.3418% | 792 |
| Equity capital to assets | 9.1479% | 5,363 |
| Core capital (leverage) ratio | 8.9842% | 4,750 |
| Tier 1 risk-based capital ratio | 12.0612% | 5,735 |
| Total risk-based capital ratio | 13.3197% | 5,697 |
| Memoranda: | ||
| Average total assets | $424,011,670 | 1,561 |
| Average earning assets | $396,869,000 | 1,526 |
| Average equity | $38,031,330 | 1,762 |
| Average total loans | $301,823,330 | 1,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 6,151 |
| Cost of funding earning assets | 0.4521% | 7,111 |
| Net interest margin | 3.7967% | 3,636 |
| Noninterest income to average assets | 0.6273% | 2,990 |
| Noninterest expense to average assets | 3.1004% | 3,241 |
| Loan and lease loss provision to assets | 0.4967% | 1,759 |
| Net operating income to assets | 0.4522% | 4,707 |
| Return on assets (ROA) | 0.4522% | 4,792 |
| Pretax return on assets | 0.5979% | 4,693 |
| Return on Equity (ROE) | 5.0931% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0398% | 3,167 |
| Net charge-offs to loans | 0.8675% | 1,525 |
| Credit loss provision to net charge-offs | 79.9087% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.7610% | 3,424 |
| Efficiency ratio | 73.9062% | 3,529 |
| Assets per employee ($millions) | 4.4438% | 2,988 |
| Cash dividends to net income (ytd only)* | 1.0460% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 2,402 |
| Loan loss allowance to noncurrent loans | 39.7537% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.8380% | 1,745 |
| Noncurrent loans to loans | 5.0496% | 1,328 |
| Net loans and leases to total assets | 70.5504% | 2,022 |
| Net loans and leases to deposits | 78.0085% | 3,057 |
| Net loans and leases to core deposits | 89.8023% | 2,374 |
| Total domestic deposits to total assets | 90.4394% | 873 |
| Equity capital to assets | 9.0610% | 5,111 |
| Core capital (leverage) ratio | 8.7859% | 4,951 |
| Tier 1 risk-based capital ratio | 11.8730% | 5,803 |
| Total risk-based capital ratio | 13.1314% | 5,797 |
| Memoranda: | ||
| Average total assets | $422,788,500 | 1,575 |
| Average earning assets | $397,296,500 | 1,532 |
| Average equity | $37,541,000 | 1,772 |
| Average total loans | $302,942,500 | 1,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 6,331 |
| Cost of funding earning assets | 0.6733% | 6,947 |
| Net interest margin | 3.8498% | 3,732 |
| Noninterest income to average assets | 0.6764% | 2,986 |
| Noninterest expense to average assets | 3.0023% | 3,845 |
| Loan and lease loss provision to assets | 0.8126% | 2,010 |
| Net operating income to assets | 0.3680% | 4,685 |
| Return on assets (ROA) | 0.5025% | 4,247 |
| Pretax return on assets | 0.6657% | 4,106 |
| Return on Equity (ROE) | 5.9075% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.8911% | 1,887 |
| Net charge-offs to loans | 0.9123% | 2,364 |
| Credit loss provision to net charge-offs | 124.6423% | 3,302 |
| Earnings coverage of net charge-offs (x) | 1.9925% | 4,243 |
| Efficiency ratio | 69.8000% | 4,217 |
| Assets per employee ($millions) | 4.4569% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.2784% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 2,246 |
| Loan loss allowance to noncurrent loans | 49.1554% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 3.0631% | 2,305 |
| Noncurrent loans to loans | 4.1127% | 1,758 |
| Net loans and leases to total assets | 69.8776% | 2,560 |
| Net loans and leases to deposits | 76.9570% | 3,689 |
| Net loans and leases to core deposits | 89.9735% | 2,769 |
| Total domestic deposits to total assets | 90.8008% | 692 |
| Equity capital to assets | 8.7021% | 5,583 |
| Core capital (leverage) ratio | 8.4382% | 5,470 |
| Tier 1 risk-based capital ratio | 11.5955% | 5,827 |
| Total risk-based capital ratio | 12.8541% | 5,829 |
| Memoranda: | ||
| Average total assets | $428,870,600 | 1,557 |
| Average earning assets | $403,815,200 | 1,503 |
| Average equity | $36,478,800 | 1,815 |
| Average total loans | $306,462,200 | 1,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 6,474 |
| Cost of funding earning assets | 0.7199% | 7,004 |
| Net interest margin | 3.8270% | 3,860 |
| Noninterest income to average assets | 0.6161% | 3,345 |
| Noninterest expense to average assets | 3.0107% | 3,706 |
| Loan and lease loss provision to assets | 0.8498% | 1,788 |
| Net operating income to assets | 0.3018% | 5,157 |
| Return on assets (ROA) | 0.3511% | 5,134 |
| Pretax return on assets | 0.4182% | 5,166 |
| Return on Equity (ROE) | 4.1516% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.1332% | 3,563 |
| Net charge-offs to loans | 0.8370% | 2,365 |
| Credit loss provision to net charge-offs | 142.0042% | 2,785 |
| Earnings coverage of net charge-offs (x) | 2.0208% | 4,206 |
| Efficiency ratio | 71.3444% | 3,827 |
| Assets per employee ($millions) | 4.4846% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.4427% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 2,100 |
| Loan loss allowance to noncurrent loans | 49.4146% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.1411% | 2,293 |
| Noncurrent loans to loans | 4.1488% | 1,773 |
| Net loans and leases to total assets | 69.0735% | 2,964 |
| Net loans and leases to deposits | 76.0111% | 4,177 |
| Net loans and leases to core deposits | 89.8417% | 3,115 |
| Total domestic deposits to total assets | 90.8729% | 492 |
| Equity capital to assets | 8.6075% | 6,143 |
| Core capital (leverage) ratio | 8.1898% | 6,058 |
| Tier 1 risk-based capital ratio | 11.1779% | 6,213 |
| Total risk-based capital ratio | 12.4368% | 6,202 |
| Memoranda: | ||
| Average total assets | $429,122,250 | 1,574 |
| Average earning assets | $404,106,000 | 1,528 |
| Average equity | $36,290,250 | 1,843 |
| Average total loans | $306,790,250 | 1,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 6,512 |
| Cost of funding earning assets | 0.7717% | 7,000 |
| Net interest margin | 3.8107% | 3,849 |
| Noninterest income to average assets | 0.6152% | 3,224 |
| Noninterest expense to average assets | 3.1403% | 3,141 |
| Loan and lease loss provision to assets | 0.6719% | 2,151 |
| Net operating income to assets | 0.3210% | 5,101 |
| Return on assets (ROA) | 0.3797% | 5,013 |
| Pretax return on assets | 0.4607% | 5,027 |
| Return on Equity (ROE) | 4.5174% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.4895% | 3,208 |
| Net charge-offs to loans | 0.9139% | 2,006 |
| Credit loss provision to net charge-offs | 102.3538% | 3,988 |
| Earnings coverage of net charge-offs (x) | 1.6163% | 4,284 |
| Efficiency ratio | 74.7465% | 3,316 |
| Assets per employee ($millions) | 4.7123% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.6165% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 2,734 |
| Loan loss allowance to noncurrent loans | 44.9417% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.0561% | 2,332 |
| Noncurrent loans to loans | 3.9916% | 1,898 |
| Net loans and leases to total assets | 69.6160% | 2,987 |
| Net loans and leases to deposits | 76.4473% | 4,248 |
| Net loans and leases to core deposits | 89.8781% | 3,290 |
| Total domestic deposits to total assets | 91.0641% | 459 |
| Equity capital to assets | 8.4301% | 6,251 |
| Core capital (leverage) ratio | 8.3025% | 5,766 |
| Tier 1 risk-based capital ratio | 11.0732% | 6,157 |
| Total risk-based capital ratio | 12.3291% | 6,141 |
| Memoranda: | ||
| Average total assets | $427,162,330 | 1,599 |
| Average earning assets | $401,975,000 | 1,542 |
| Average equity | $35,906,000 | 1,859 |
| Average total loans | $306,800,330 | 1,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 6,207 |
| Cost of funding earning assets | 0.8421% | 6,964 |
| Net interest margin | 3.8700% | 3,460 |
| Noninterest income to average assets | 0.6066% | 3,238 |
| Noninterest expense to average assets | 3.5228% | 1,926 |
| Loan and lease loss provision to assets | 0.5519% | 2,292 |
| Net operating income to assets | 0.1821% | 5,747 |
| Return on assets (ROA) | 0.2283% | 5,703 |
| Pretax return on assets | 0.2113% | 5,845 |
| Return on Equity (ROE) | 2.7202% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.6640% | 4,550 |
| Net charge-offs to loans | 1.0896% | 1,534 |
| Credit loss provision to net charge-offs | 70.0599% | 4,099 |
| Earnings coverage of net charge-offs (x) | 0.9102% | 4,229 |
| Efficiency ratio | 83.0886% | 2,130 |
| Assets per employee ($millions) | 4.7272% | 2,606 |
| Cash dividends to net income (ytd only)* | 2.0661% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 3,055 |
| Loan loss allowance to noncurrent loans | 66.5648% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 3,127 |
| Noncurrent loans to loans | 2.5564% | 3,117 |
| Net loans and leases to total assets | 71.0121% | 2,693 |
| Net loans and leases to deposits | 77.9867% | 4,049 |
| Net loans and leases to core deposits | 92.0311% | 3,101 |
| Total domestic deposits to total assets | 91.0567% | 518 |
| Equity capital to assets | 8.4288% | 6,113 |
| Core capital (leverage) ratio | 8.2484% | 5,836 |
| Tier 1 risk-based capital ratio | 10.8748% | 6,268 |
| Total risk-based capital ratio | 12.1295% | 6,248 |
| Memoranda: | ||
| Average total assets | $423,978,000 | 1,645 |
| Average earning assets | $398,038,500 | 1,597 |
| Average equity | $35,585,500 | 1,892 |
| Average total loans | $306,540,500 | 1,540 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 6,993 |
| Cost of funding earning assets | 1.4086% | 5,896 |
| Net interest margin | 3.3699% | 5,495 |
| Noninterest income to average assets | 0.5726% | 3,834 |
| Noninterest expense to average assets | 2.8263% | 4,856 |
| Loan and lease loss provision to assets | 1.1156% | 2,052 |
| Net operating income to assets | -0.0150% | 5,515 |
| Return on assets (ROA) | 0.0375% | 5,424 |
| Pretax return on assets | -0.0884% | 5,585 |
| Return on Equity (ROE) | 0.4482% | 5,404 |
| Retained earnings to average equity (ytd only) | -0.8737% | 5,221 |
| Net charge-offs to loans | 0.9496% | 2,499 |
| Credit loss provision to net charge-offs | 163.1415% | 2,691 |
| Earnings coverage of net charge-offs (x) | 1.3821% | 4,754 |
| Efficiency ratio | 74.9403% | 3,722 |
| Assets per employee ($millions) | 4.5925% | 2,779 |
| Cash dividends to net income (ytd only)* | 294.9367% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,567 |
| Loan loss allowance to noncurrent loans | 64.2815% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.4930% | 2,803 |
| Noncurrent loans to loans | 2.7884% | 2,768 |
| Net loans and leases to total assets | 71.0641% | 2,978 |
| Net loans and leases to deposits | 77.9854% | 4,377 |
| Net loans and leases to core deposits | 115.8312% | 2,337 |
| Total domestic deposits to total assets | 91.1249% | 486 |
| Equity capital to assets | 8.3574% | 6,117 |
| Core capital (leverage) ratio | 8.1662% | 5,874 |
| Tier 1 risk-based capital ratio | 10.7709% | 6,135 |
| Total risk-based capital ratio | 12.0268% | 6,107 |
| Memoranda: | ||
| Average total assets | $421,752,000 | 1,638 |
| Average earning assets | $400,336,400 | 1,590 |
| Average equity | $35,250,600 | 1,911 |
| Average total loans | $303,709,000 | 1,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 7,181 |
| Cost of funding earning assets | 1.5049% | 5,800 |
| Net interest margin | 3.2588% | 5,796 |
| Noninterest income to average assets | 0.6082% | 3,629 |
| Noninterest expense to average assets | 2.8304% | 4,759 |
| Loan and lease loss provision to assets | 1.0848% | 1,799 |
| Net operating income to assets | -0.0509% | 5,805 |
| Return on assets (ROA) | 0.0127% | 5,737 |
| Pretax return on assets | -0.1037% | 5,849 |
| Return on Equity (ROE) | 0.1514% | 5,729 |
| Retained earnings to average equity (ytd only) | -1.6120% | 5,637 |
| Net charge-offs to loans | 0.7928% | 2,382 |
| Credit loss provision to net charge-offs | 190.2385% | 2,386 |
| Earnings coverage of net charge-offs (x) | 1.5463% | 4,628 |
| Efficiency ratio | 76.2461% | 3,461 |
| Assets per employee ($millions) | 4.6369% | 2,653 |
| Cash dividends to net income (ytd only)* | 1,165.0478% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 2,485 |
| Loan loss allowance to noncurrent loans | 59.7356% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.4347% | 2,827 |
| Noncurrent loans to loans | 2.9105% | 2,618 |
| Net loans and leases to total assets | 69.2781% | 3,658 |
| Net loans and leases to deposits | 75.9696% | 5,049 |
| Net loans and leases to core deposits | 111.1612% | 3,109 |
| Total domestic deposits to total assets | 91.1919% | 348 |
| Equity capital to assets | 8.2575% | 6,549 |
| Core capital (leverage) ratio | 8.0449% | 6,286 |
| Tier 1 risk-based capital ratio | 10.4446% | 6,531 |
| Total risk-based capital ratio | 11.6989% | 6,472 |
| Memoranda: | ||
| Average total assets | $421,562,500 | 1,656 |
| Average earning assets | $401,528,000 | 1,596 |
| Average equity | $35,235,500 | 1,927 |
| Average total loans | $303,203,000 | 1,599 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 7,257 |
| Cost of funding earning assets | 1.6150% | 5,686 |
| Net interest margin | 3.1683% | 6,031 |
| Noninterest income to average assets | 0.5273% | 4,212 |
| Noninterest expense to average assets | 2.8551% | 4,709 |
| Loan and lease loss provision to assets | 0.7793% | 2,134 |
| Net operating income to assets | -0.0029% | 5,846 |
| Return on assets (ROA) | 0.1382% | 5,551 |
| Pretax return on assets | 0.0521% | 5,776 |
| Return on Equity (ROE) | 1.6462% | 5,421 |
| Retained earnings to average equity (ytd only) | -0.9797% | 5,479 |
| Net charge-offs to loans | 0.8088% | 2,068 |
| Credit loss provision to net charge-offs | 133.0612% | 3,508 |
| Earnings coverage of net charge-offs (x) | 1.1788% | 4,643 |
| Efficiency ratio | 80.5286% | 2,960 |
| Assets per employee ($millions) | 4.5889% | 2,630 |
| Cash dividends to net income (ytd only)* | 159.5156% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 4,016 |
| Loan loss allowance to noncurrent loans | 41.8796% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.5803% | 2,496 |
| Noncurrent loans to loans | 3.2091% | 2,222 |
| Net loans and leases to total assets | 69.9032% | 3,722 |
| Net loans and leases to deposits | 76.5590% | 5,091 |
| Net loans and leases to core deposits | 112.2401% | 3,106 |
| Total domestic deposits to total assets | 91.3062% | 373 |
| Equity capital to assets | 8.1197% | 6,608 |
| Core capital (leverage) ratio | 8.1432% | 6,091 |
| Tier 1 risk-based capital ratio | 10.4561% | 6,420 |
| Total risk-based capital ratio | 11.6904% | 6,382 |
| Memoranda: | ||
| Average total assets | $418,340,000 | 1,691 |
| Average earning assets | $398,505,330 | 1,629 |
| Average equity | $35,111,000 | 1,932 |
| Average total loans | $302,926,000 | 1,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 7,242 |
| Cost of funding earning assets | 1.7432% | 5,395 |
| Net interest margin | 3.1275% | 6,114 |
| Noninterest income to average assets | 0.6211% | 3,406 |
| Noninterest expense to average assets | 2.8146% | 4,498 |
| Loan and lease loss provision to assets | 0.3670% | 3,120 |
| Net operating income to assets | 0.3222% | 5,201 |
| Return on assets (ROA) | 0.5351% | 4,465 |
| Pretax return on assets | 0.7070% | 4,416 |
| Return on Equity (ROE) | 6.2704% | 3,921 |
| Retained earnings to average equity (ytd only) | 1.0526% | 5,221 |
| Net charge-offs to loans | 1.0818% | 1,257 |
| Credit loss provision to net charge-offs | 46.3415% | 4,735 |
| Earnings coverage of net charge-offs (x) | 1.0024% | 4,267 |
| Efficiency ratio | 77.9979% | 3,164 |
| Assets per employee ($millions) | 4.6716% | 2,478 |
| Cash dividends to net income (ytd only)* | 83.2130% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,782 |
| Loan loss allowance to noncurrent loans | 37.7286% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2583% | 2,542 |
| Noncurrent loans to loans | 2.7965% | 2,347 |
| Net loans and leases to total assets | 71.7996% | 3,285 |
| Net loans and leases to deposits | 78.8519% | 4,794 |
| Net loans and leases to core deposits | 116.2032% | 2,782 |
| Total domestic deposits to total assets | 91.0563% | 399 |
| Equity capital to assets | 8.4252% | 6,192 |
| Core capital (leverage) ratio | 8.2585% | 5,980 |
| Tier 1 risk-based capital ratio | 10.0486% | 6,857 |
| Total risk-based capital ratio | 10.9808% | 7,129 |
| Memoranda: | ||
| Average total assets | $414,127,000 | 1,714 |
| Average earning assets | $395,592,500 | 1,651 |
| Average equity | $35,340,500 | 1,935 |
| Average total loans | $303,195,500 | 1,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 6,917 |
| Cost of funding earning assets | 2.1883% | 5,650 |
| Net interest margin | 3.4682% | 5,411 |
| Noninterest income to average assets | 0.7553% | 2,753 |
| Noninterest expense to average assets | 2.7339% | 5,117 |
| Loan and lease loss provision to assets | 0.7159% | 2,065 |
| Net operating income to assets | 0.4607% | 4,903 |
| Return on assets (ROA) | 0.5980% | 4,176 |
| Pretax return on assets | 0.7799% | 4,144 |
| Return on Equity (ROE) | 6.7522% | 3,646 |
| Retained earnings to average equity (ytd only) | 1.2405% | 4,479 |
| Net charge-offs to loans | 0.7936% | 1,568 |
| Credit loss provision to net charge-offs | 122.9642% | 4,368 |
| Earnings coverage of net charge-offs (x) | 2.2628% | 4,946 |
| Efficiency ratio | 67.4819% | 4,819 |
| Assets per employee ($millions) | 4.7420% | 2,260 |
| Cash dividends to net income (ytd only)* | 81.6275% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,425 |
| Loan loss allowance to noncurrent loans | 54.1272% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.9016% | 2,585 |
| Noncurrent loans to loans | 2.2436% | 2,454 |
| Net loans and leases to total assets | 72.9839% | 3,361 |
| Net loans and leases to deposits | 80.3634% | 4,983 |
| Net loans and leases to core deposits | 118.1436% | 2,868 |
| Total domestic deposits to total assets | 90.8174% | 381 |
| Equity capital to assets | 8.6456% | 5,874 |
| Core capital (leverage) ratio | 8.5659% | 5,456 |
| Tier 1 risk-based capital ratio | 10.2060% | 6,511 |
| Total risk-based capital ratio | 11.2852% | 6,574 |
| Memoranda: | ||
| Average total assets | $398,661,400 | 1,706 |
| Average earning assets | $378,873,800 | 1,643 |
| Average equity | $35,307,000 | 1,914 |
| Average total loans | $292,461,200 | 1,652 |