Home > Kirkwood Bank & Trust Co. > Performance and Condition Ratios
Kirkwood 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 | 4.2392% | 3,552 |
| Cost of funding earning assets | 1.2381% | 2,701 |
| Net interest margin | 3.0011% | 3,277 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.4392% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0429% | 2,088 |
| Return on assets (ROA) | 1.0429% | 2,060 |
| Pretax return on assets | 1.0429% | 2,554 |
| Return on Equity (ROE) | 11.6600% | 2,050 |
| Retained earnings to average equity (ytd only) | 0.0206% | 4,040 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0494% | 1,869 |
| Assets per employee ($millions) | 6.4994% | 2,417 |
| Cash dividends to net income (ytd only)* | 99.8232% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 1,833 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.2400% | 3,258 |
| Net loans and leases to deposits | 61.8847% | 3,414 |
| Net loans and leases to core deposits | 67.5336% | 3,427 |
| Total domestic deposits to total assets | 89.2700% | 985 |
| Equity capital to assets | 8.7420% | 2,869 |
| Core capital (leverage) ratio | 9.3909% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $325,436,200 | 2,293 |
| Average earning assets | $305,957,200 | 2,269 |
| Average equity | $29,101,400 | 2,310 |
| Average total loans | $190,319,800 | 2,359 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,587 |
| Cost of funding earning assets | 1.0928% | 2,764 |
| Net interest margin | 3.0444% | 3,247 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.4937% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0702% | 2,148 |
| Return on assets (ROA) | 1.0702% | 2,133 |
| Pretax return on assets | 1.0702% | 2,653 |
| Return on Equity (ROE) | 11.9000% | 2,151 |
| Retained earnings to average equity (ytd only) | 0.2667% | 4,071 |
| Net charge-offs to loans | -0.0007% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9710% | 1,782 |
| Assets per employee ($millions) | 6.4421% | 2,365 |
| Cash dividends to net income (ytd only)* | 97.7580% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,000 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.5200% | 3,071 |
| Net loans and leases to deposits | 64.4065% | 3,238 |
| Net loans and leases to core deposits | 70.2633% | 3,198 |
| Total domestic deposits to total assets | 89.3100% | 1,155 |
| Equity capital to assets | 8.6825% | 2,606 |
| Core capital (leverage) ratio | 9.5724% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $322,303,500 | 2,306 |
| Average earning assets | $303,321,750 | 2,284 |
| Average equity | $28,990,500 | 2,296 |
| Average total loans | $190,614,500 | 2,357 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,664 |
| Cost of funding earning assets | 0.9520% | 2,765 |
| Net interest margin | 3.0591% | 3,304 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.5407% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0555% | 2,248 |
| Return on assets (ROA) | 1.0555% | 2,246 |
| Pretax return on assets | 1.0555% | 2,764 |
| Return on Equity (ROE) | 11.6000% | 2,272 |
| Retained earnings to average equity (ytd only) | 1.4479% | 3,835 |
| Net charge-offs to loans | -0.0011% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.6495% | 1,705 |
| Assets per employee ($millions) | 6.0120% | 2,699 |
| Cash dividends to net income (ytd only)* | 87.5148% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,118 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.8000% | 2,790 |
| Net loans and leases to deposits | 67.2313% | 2,970 |
| Net loans and leases to core deposits | 72.4281% | 2,992 |
| Total domestic deposits to total assets | 88.9400% | 1,283 |
| Equity capital to assets | 9.1807% | 2,388 |
| Core capital (leverage) ratio | 9.6676% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $320,222,333 | 2,328 |
| Average earning assets | $301,462,333 | 2,302 |
| Average equity | $29,145,333 | 2,296 |
| Average total loans | $190,344,667 | 2,352 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,755 |
| Cost of funding earning assets | 0.7253% | 2,967 |
| Net interest margin | 3.1355% | 3,276 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.5694% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1813% | 1,988 |
| Return on assets (ROA) | 1.1813% | 1,947 |
| Pretax return on assets | 1.1813% | 2,477 |
| Return on Equity (ROE) | 13.0300% | 1,979 |
| Retained earnings to average equity (ytd only) | -0.7150% | 4,106 |
| Net charge-offs to loans | -0.0021% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5050% | 1,916 |
| Assets per employee ($millions) | 6.0935% | 2,683 |
| Cash dividends to net income (ytd only)* | 105.4852% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,003 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.9600% | 2,962 |
| Net loans and leases to deposits | 63.7729% | 3,110 |
| Net loans and leases to core deposits | 68.1535% | 3,087 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 9.0538% | 2,475 |
| Core capital (leverage) ratio | 9.5679% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $321,015,000 | 2,356 |
| Average earning assets | $302,216,500 | 2,334 |
| Average equity | $29,091,500 | 2,327 |
| Average total loans | $189,028,500 | 2,380 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3213% | 3,534 |
| Cost of funding earning assets | 0.3005% | 2,871 |
| Net interest margin | 3.0208% | 3,392 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.4007% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0960% | 2,190 |
| Return on assets (ROA) | 1.0960% | 2,131 |
| Pretax return on assets | 1.0960% | 2,787 |
| Return on Equity (ROE) | 12.4900% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.9325% | 2,668 |
| Net charge-offs to loans | -0.0005% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6570% | 1,881 |
| Assets per employee ($millions) | 5.8013% | 2,946 |
| Cash dividends to net income (ytd only)* | 52.5148% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,041 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.3100% | 2,701 |
| Net loans and leases to deposits | 67.0231% | 2,813 |
| Net loans and leases to core deposits | 70.1863% | 2,859 |
| Total domestic deposits to total assets | 88.4900% | 1,889 |
| Equity capital to assets | 9.0710% | 2,317 |
| Core capital (leverage) ratio | 9.4364% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $324,740,000 | 2,327 |
| Average earning assets | $292,871,200 | 2,371 |
| Average equity | $28,487,200 | 2,404 |
| Average total loans | $189,809,400 | 2,307 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 3,614 |
| Cost of funding earning assets | 0.2590% | 2,614 |
| Net interest margin | 2.8659% | 3,580 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.3657% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9791% | 2,546 |
| Return on assets (ROA) | 0.9791% | 2,527 |
| Pretax return on assets | 0.9791% | 3,077 |
| Return on Equity (ROE) | 11.2500% | 2,284 |
| Retained earnings to average equity (ytd only) | 5.0234% | 3,093 |
| Net charge-offs to loans | -0.0014% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.7284% | 1,682 |
| Assets per employee ($millions) | 6.0311% | 2,737 |
| Cash dividends to net income (ytd only)* | 55.3653% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,233 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,909 |
| Noncurrent loans to loans | 0.0150% | 3,821 |
| Net loans and leases to total assets | 58.7900% | 2,618 |
| Net loans and leases to deposits | 65.9289% | 2,726 |
| Net loans and leases to core deposits | 67.6197% | 2,832 |
| Total domestic deposits to total assets | 89.1700% | 2,020 |
| Equity capital to assets | 8.4767% | 2,560 |
| Core capital (leverage) ratio | 9.3728% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $326,156,750 | 2,336 |
| Average earning assets | $291,376,500 | 2,393 |
| Average equity | $28,373,250 | 2,441 |
| Average total loans | $189,344,250 | 2,319 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9507% | 3,671 |
| Cost of funding earning assets | 0.2429% | 2,360 |
| Net interest margin | 2.7078% | 3,686 |
| Noninterest income to average assets | 0.7808% | 1,097 |
| Noninterest expense to average assets | 2.3634% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8023% | 2,949 |
| Return on assets (ROA) | 0.8023% | 2,916 |
| Pretax return on assets | 0.8023% | 3,319 |
| Return on Equity (ROE) | 9.1447% | 2,649 |
| Retained earnings to average equity (ytd only) | 1.9770% | 3,758 |
| Net charge-offs to loans | -0.0021% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6563% | 1,432 |
| Assets per employee ($millions) | 6.2417% | 2,528 |
| Cash dividends to net income (ytd only)* | 78.3804% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,290 |
| Loan loss allowance to noncurrent loans | 1,249.2308% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,380 |
| Noncurrent loans to loans | 0.1022% | 3,245 |
| Net loans and leases to total assets | 58.0434% | 2,531 |
| Net loans and leases to deposits | 65.1730% | 2,621 |
| Net loans and leases to core deposits | 66.4654% | 2,784 |
| Total domestic deposits to total assets | 89.0606% | 2,157 |
| Equity capital to assets | 8.6194% | 2,678 |
| Core capital (leverage) ratio | 9.0468% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,315,667 | 2,349 |
| Average earning assets | $287,387,000 | 2,445 |
| Average equity | $28,628,667 | 2,489 |
| Average total loans | $187,823,667 | 2,320 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8641% | 3,623 |
| Cost of funding earning assets | 0.2549% | 2,102 |
| Net interest margin | 2.6091% | 3,636 |
| Noninterest income to average assets | 0.8069% | 1,030 |
| Noninterest expense to average assets | 2.3570% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6895% | 3,098 |
| Return on assets (ROA) | 0.6895% | 3,087 |
| Pretax return on assets | 0.6895% | 3,423 |
| Return on Equity (ROE) | 7.7914% | 2,761 |
| Retained earnings to average equity (ytd only) | -3.2602% | 4,330 |
| Net charge-offs to loans | -0.0021% | 3,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3676% | 1,364 |
| Assets per employee ($millions) | 5.9427% | 2,859 |
| Cash dividends to net income (ytd only)* | 141.8440% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,328 |
| 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 | 55.2494% | 2,605 |
| Net loans and leases to deposits | 61.8696% | 2,724 |
| Net loans and leases to core deposits | 63.1885% | 2,870 |
| Total domestic deposits to total assets | 89.2997% | 1,926 |
| Equity capital to assets | 8.5038% | 3,158 |
| Core capital (leverage) ratio | 8.9461% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,189,000 | 2,359 |
| Average earning assets | $280,859,500 | 2,498 |
| Average equity | $28,955,000 | 2,538 |
| Average total loans | $186,322,000 | 2,325 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 3,117 |
| Cost of funding earning assets | 0.3370% | 2,053 |
| Net interest margin | 2.9916% | 3,220 |
| Noninterest income to average assets | 1.1538% | 794 |
| Noninterest expense to average assets | 2.4766% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1850% | 1,969 |
| Return on assets (ROA) | 1.1850% | 2,038 |
| Pretax return on assets | 1.1850% | 2,711 |
| Return on Equity (ROE) | 12.7803% | 1,533 |
| Retained earnings to average equity (ytd only) | 5.2475% | 2,692 |
| Net charge-offs to loans | 0.0064% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 313.1667% | 388 |
| Efficiency ratio | 67.6369% | 2,037 |
| Assets per employee ($millions) | 5.7426% | 3,014 |
| Cash dividends to net income (ytd only)* | 58.9409% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.1883% | 2,455 |
| Net loans and leases to deposits | 64.6633% | 2,629 |
| Net loans and leases to core deposits | 66.2580% | 2,799 |
| Total domestic deposits to total assets | 88.4401% | 1,825 |
| Equity capital to assets | 9.2075% | 3,412 |
| Core capital (leverage) ratio | 9.1276% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,130,800 | 2,351 |
| Average earning assets | $265,840,600 | 2,518 |
| Average equity | $29,404,600 | 2,575 |
| Average total loans | $187,612,400 | 2,323 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 3,128 |
| Cost of funding earning assets | 0.3487% | 2,127 |
| Net interest margin | 3.0422% | 3,200 |
| Noninterest income to average assets | 1.2269% | 762 |
| Noninterest expense to average assets | 2.5011% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2801% | 1,886 |
| Return on assets (ROA) | 1.2801% | 1,942 |
| Pretax return on assets | 1.2801% | 2,675 |
| Return on Equity (ROE) | 13.7812% | 1,456 |
| Retained earnings to average equity (ytd only) | 9.2390% | 1,601 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1459% | 2,080 |
| Assets per employee ($millions) | 5.6416% | 3,049 |
| Cash dividends to net income (ytd only)* | 32.9598% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 2,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.4862% | 2,560 |
| Net loans and leases to deposits | 65.3139% | 2,695 |
| Net loans and leases to core deposits | 66.8353% | 2,879 |
| Total domestic deposits to total assets | 88.0153% | 1,833 |
| Equity capital to assets | 9.5955% | 3,292 |
| Core capital (leverage) ratio | 9.3818% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,017,250 | 2,387 |
| Average earning assets | $265,327,750 | 2,538 |
| Average equity | $29,353,250 | 2,610 |
| Average total loans | $187,929,750 | 2,353 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2837% | 3,473 |
| Cost of funding earning assets | 0.3593% | 2,240 |
| Net interest margin | 2.9244% | 3,517 |
| Noninterest income to average assets | 1.2720% | 721 |
| Noninterest expense to average assets | 2.5136% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2150% | 2,131 |
| Return on assets (ROA) | 1.2150% | 2,206 |
| Pretax return on assets | 1.2150% | 2,868 |
| Return on Equity (ROE) | 13.2265% | 1,640 |
| Retained earnings to average equity (ytd only) | 6.3377% | 2,677 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4134% | 1,947 |
| Assets per employee ($millions) | 5.7223% | 2,873 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.6641% | 2,583 |
| Net loans and leases to deposits | 66.2437% | 2,800 |
| Net loans and leases to core deposits | 67.7409% | 2,984 |
| Total domestic deposits to total assets | 88.5580% | 1,535 |
| Equity capital to assets | 9.1169% | 3,687 |
| Core capital (leverage) ratio | 8.8027% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,047,000 | 2,382 |
| Average earning assets | $265,492,000 | 2,532 |
| Average equity | $29,032,667 | 2,623 |
| Average total loans | $189,219,333 | 2,357 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 3,604 |
| Cost of funding earning assets | 0.3752% | 2,314 |
| Net interest margin | 2.8678% | 3,599 |
| Noninterest income to average assets | 1.3140% | 743 |
| Noninterest expense to average assets | 2.5325% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1878% | 2,198 |
| Return on assets (ROA) | 1.1878% | 2,266 |
| Pretax return on assets | 1.1878% | 2,878 |
| Return on Equity (ROE) | 12.8812% | 1,705 |
| Retained earnings to average equity (ytd only) | 12.8812% | 944 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0713% | 1,924 |
| Assets per employee ($millions) | 5.7425% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.9932% | 2,545 |
| Net loans and leases to deposits | 67.6965% | 2,732 |
| Net loans and leases to core deposits | 69.2828% | 2,934 |
| Total domestic deposits to total assets | 88.6208% | 1,545 |
| Equity capital to assets | 9.1281% | 3,566 |
| Core capital (leverage) ratio | 9.2447% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,845,500 | 2,378 |
| Average earning assets | $263,334,000 | 2,533 |
| Average equity | $28,941,500 | 2,622 |
| Average total loans | $188,611,500 | 2,362 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 3,226 |
| Cost of funding earning assets | 0.5269% | 2,770 |
| Net interest margin | 3.3002% | 3,066 |
| Noninterest income to average assets | 1.2841% | 691 |
| Noninterest expense to average assets | 2.7859% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1923% | 1,579 |
| Return on assets (ROA) | 1.1923% | 1,684 |
| Pretax return on assets | 1.4360% | 1,553 |
| Return on Equity (ROE) | 12.5418% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.5418% | 274 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9872% | 2,530 |
| Assets per employee ($millions) | 5.4663% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 58.6078% | 3,024 |
| Net loans and leases to deposits | 66.4223% | 3,231 |
| Net loans and leases to core deposits | 68.2310% | 3,397 |
| Total domestic deposits to total assets | 88.2351% | 1,356 |
| Equity capital to assets | 9.3198% | 3,769 |
| Core capital (leverage) ratio | 9.3936% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,534,800 | 2,422 |
| Average earning assets | $246,170,400 | 2,484 |
| Average equity | $26,288,000 | 2,724 |
| Average total loans | $185,308,600 | 2,370 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 3,613 |
| Cost of funding earning assets | 0.5537% | 2,907 |
| Net interest margin | 3.2286% | 3,398 |
| Noninterest income to average assets | 1.1909% | 752 |
| Noninterest expense to average assets | 2.8401% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9403% | 2,562 |
| Return on assets (ROA) | 0.9403% | 2,690 |
| Pretax return on assets | 1.2741% | 2,143 |
| Return on Equity (ROE) | 9.8361% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.8361% | 800 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0307% | 2,031 |
| Assets per employee ($millions) | 5.2370% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 67.4910% | 2,320 |
| Net loans and leases to deposits | 76.5235% | 2,699 |
| Net loans and leases to core deposits | 78.6974% | 2,946 |
| Total domestic deposits to total assets | 88.1965% | 1,118 |
| Equity capital to assets | 9.2665% | 3,894 |
| Core capital (leverage) ratio | 9.2811% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,140,250 | 2,442 |
| Average earning assets | $243,694,000 | 2,490 |
| Average equity | $25,727,750 | 2,749 |
| Average total loans | $186,172,750 | 2,366 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,673 |
| Cost of funding earning assets | 0.5811% | 3,079 |
| Net interest margin | 3.6461% | 2,328 |
| Noninterest income to average assets | 1.0112% | 964 |
| Noninterest expense to average assets | 2.8492% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9936% | 2,351 |
| Return on assets (ROA) | 0.9936% | 2,480 |
| Pretax return on assets | 1.5096% | 1,432 |
| Return on Equity (ROE) | 10.2163% | 1,921 |
| Retained earnings to average equity (ytd only) | 10.2163% | 750 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3671% | 2,607 |
| Assets per employee ($millions) | 5.0030% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.4834% | 2,268 |
| Net loans and leases to deposits | 77.8854% | 2,672 |
| Net loans and leases to core deposits | 80.2887% | 2,923 |
| Total domestic deposits to total assets | 87.9284% | 1,220 |
| Equity capital to assets | 9.4614% | 3,694 |
| Core capital (leverage) ratio | 9.4017% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,262,333 | 2,472 |
| Average earning assets | $239,875,667 | 2,492 |
| Average equity | $25,410,333 | 2,754 |
| Average total loans | $181,603,333 | 2,391 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 3,848 |
| Cost of funding earning assets | 0.6329% | 3,253 |
| Net interest margin | 3.3467% | 3,459 |
| Noninterest income to average assets | 0.8991% | 1,068 |
| Noninterest expense to average assets | 2.9499% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0556% | 4,778 |
| Return on assets (ROA) | -0.0556% | 4,766 |
| Pretax return on assets | 1.0151% | 2,800 |
| Return on Equity (ROE) | -0.5631% | 4,779 |
| Retained earnings to average equity (ytd only) | -0.5631% | 4,086 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3990% | 1,765 |
| Assets per employee ($millions) | 4.5963% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.0735% | 2,387 |
| Net loans and leases to deposits | 78.8839% | 2,788 |
| Net loans and leases to core deposits | 81.5529% | 3,056 |
| Total domestic deposits to total assets | 87.5634% | 1,298 |
| Equity capital to assets | 9.6941% | 4,047 |
| Core capital (leverage) ratio | 9.7672% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,808,500 | 2,481 |
| Average earning assets | $230,675,500 | 2,494 |
| Average equity | $24,861,500 | 2,785 |
| Average total loans | $175,247,000 | 2,410 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,972 |
| Cost of funding earning assets | 0.5414% | 3,918 |
| Net interest margin | 3.5903% | 3,162 |
| Noninterest income to average assets | 0.8761% | 1,232 |
| Noninterest expense to average assets | 2.8482% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0201% | 2,771 |
| Return on assets (ROA) | 1.0201% | 2,858 |
| Pretax return on assets | 1.3002% | 2,502 |
| Return on Equity (ROE) | 10.5653% | 2,057 |
| Retained earnings to average equity (ytd only) | 7.7615% | 1,058 |
| Net charge-offs to loans | 0.0735% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 25.7724% | 1,720 |
| Efficiency ratio | 68.6573% | 2,361 |
| Assets per employee ($millions) | 4.3968% | 3,377 |
| Cash dividends to net income (ytd only)* | 26.5380% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.1541% | 2,659 |
| Net loans and leases to deposits | 76.5704% | 3,125 |
| Net loans and leases to core deposits | 79.1412% | 3,367 |
| Total domestic deposits to total assets | 89.0083% | 669 |
| Equity capital to assets | 10.0604% | 3,862 |
| Core capital (leverage) ratio | 9.8398% | 3,686 |
| Tier 1 risk-based capital ratio | 12.0599% | 4,330 |
| Total risk-based capital ratio | 13.2641% | 4,228 |
| Memoranda: | ||
| Average total assets | $243,802,800 | 2,502 |
| Average earning assets | $222,212,600 | 2,520 |
| Average equity | $23,539,400 | 2,834 |
| Average total loans | $167,294,200 | 2,439 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 4,232 |
| Cost of funding earning assets | 0.5105% | 4,099 |
| Net interest margin | 3.5528% | 3,397 |
| Noninterest income to average assets | 0.8547% | 1,256 |
| Noninterest expense to average assets | 2.8410% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9945% | 3,000 |
| Return on assets (ROA) | 0.9945% | 3,072 |
| Pretax return on assets | 1.2494% | 2,818 |
| Return on Equity (ROE) | 10.4109% | 2,249 |
| Retained earnings to average equity (ytd only) | 6.6230% | 2,042 |
| Net charge-offs to loans | 0.0985% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 18.5280% | 2,048 |
| Efficiency ratio | 69.4545% | 2,194 |
| Assets per employee ($millions) | 4.5007% | 3,206 |
| Cash dividends to net income (ytd only)* | 36.3837% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 66.6700% | 2,966 |
| Net loans and leases to deposits | 74.5171% | 3,433 |
| Net loans and leases to core deposits | 76.8024% | 3,641 |
| Total domestic deposits to total assets | 89.4694% | 456 |
| Equity capital to assets | 9.5835% | 4,404 |
| Core capital (leverage) ratio | 9.6401% | 4,036 |
| Tier 1 risk-based capital ratio | 11.9298% | 4,449 |
| Total risk-based capital ratio | 13.1515% | 4,351 |
| Memoranda: | ||
| Average total assets | $243,197,750 | 2,526 |
| Average earning assets | $221,490,250 | 2,541 |
| Average equity | $23,231,500 | 2,873 |
| Average total loans | $166,553,500 | 2,471 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 4,281 |
| Cost of funding earning assets | 0.4654% | 4,258 |
| Net interest margin | 3.5850% | 3,312 |
| Noninterest income to average assets | 0.8067% | 1,329 |
| Noninterest expense to average assets | 2.8229% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0039% | 2,909 |
| Return on assets (ROA) | 1.0039% | 2,974 |
| Pretax return on assets | 1.2412% | 2,784 |
| Return on Equity (ROE) | 10.5217% | 2,165 |
| Retained earnings to average equity (ytd only) | 4.7636% | 2,884 |
| Net charge-offs to loans | 0.1489% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.1220% | 2,171 |
| Efficiency ratio | 69.4592% | 2,311 |
| Assets per employee ($millions) | 4.4671% | 3,189 |
| Cash dividends to net income (ytd only)* | 54.7264% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.5058% | 3,038 |
| Net loans and leases to deposits | 74.4301% | 3,486 |
| Net loans and leases to core deposits | 76.8063% | 3,663 |
| Total domestic deposits to total assets | 89.3533% | 520 |
| Equity capital to assets | 9.7375% | 4,204 |
| Core capital (leverage) ratio | 9.7586% | 3,874 |
| Tier 1 risk-based capital ratio | 12.1540% | 4,325 |
| Total risk-based capital ratio | 13.4042% | 4,220 |
| Memoranda: | ||
| Average total assets | $240,251,330 | 2,552 |
| Average earning assets | $218,296,670 | 2,576 |
| Average equity | $22,924,000 | 2,888 |
| Average total loans | $165,245,000 | 2,488 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 4,323 |
| Cost of funding earning assets | 0.4137% | 4,430 |
| Net interest margin | 3.6091% | 3,221 |
| Noninterest income to average assets | 0.7924% | 1,309 |
| Noninterest expense to average assets | 2.8278% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9893% | 2,887 |
| Return on assets (ROA) | 0.9893% | 2,925 |
| Pretax return on assets | 1.2395% | 2,664 |
| Return on Equity (ROE) | 10.4763% | 2,164 |
| Retained earnings to average equity (ytd only) | 0.7597% | 4,371 |
| Net charge-offs to loans | 0.2572% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.9439% | 2,164 |
| Efficiency ratio | 69.5242% | 2,419 |
| Assets per employee ($millions) | 4.5650% | 3,095 |
| Cash dividends to net income (ytd only)* | 92.7487% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,349 |
| Loan loss allowance to noncurrent loans | 7,241.1765% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,798 |
| Noncurrent loans to loans | 0.0207% | 4,688 |
| Net loans and leases to total assets | 66.9388% | 2,909 |
| Net loans and leases to deposits | 74.5656% | 3,402 |
| Net loans and leases to core deposits | 76.6009% | 3,620 |
| Total domestic deposits to total assets | 89.7716% | 538 |
| Equity capital to assets | 9.4108% | 4,333 |
| Core capital (leverage) ratio | 9.6595% | 3,958 |
| Tier 1 risk-based capital ratio | 12.2171% | 4,348 |
| Total risk-based capital ratio | 13.4682% | 4,213 |
| Memoranda: | ||
| Average total assets | $239,766,500 | 2,586 |
| Average earning assets | $217,560,000 | 2,602 |
| Average equity | $22,641,500 | 2,918 |
| Average total loans | $166,431,500 | 2,502 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,335 |
| Cost of funding earning assets | 0.3112% | 4,514 |
| Net interest margin | 3.5604% | 3,513 |
| Noninterest income to average assets | 0.7761% | 1,539 |
| Noninterest expense to average assets | 2.7521% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9947% | 3,031 |
| Return on assets (ROA) | 0.9947% | 3,026 |
| Pretax return on assets | 1.2525% | 2,686 |
| Return on Equity (ROE) | 11.0577% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.2881% | 1,547 |
| Net charge-offs to loans | -0.0550% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7226% | 2,428 |
| Assets per employee ($millions) | 4.4828% | 3,198 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.8171% | 2,591 |
| Net loans and leases to deposits | 77.8813% | 3,178 |
| Net loans and leases to core deposits | 79.3765% | 3,470 |
| Total domestic deposits to total assets | 89.6455% | 600 |
| Equity capital to assets | 9.4761% | 4,150 |
| Core capital (leverage) ratio | 9.4726% | 4,147 |
| Tier 1 risk-based capital ratio | 11.8487% | 4,536 |
| Total risk-based capital ratio | 13.1001% | 4,410 |
| Memoranda: | ||
| Average total assets | $238,875,800 | 2,552 |
| Average earning assets | $216,606,600 | 2,587 |
| Average equity | $21,487,200 | 2,942 |
| Average total loans | $163,617,400 | 2,491 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 4,417 |
| Cost of funding earning assets | 0.2976% | 4,540 |
| Net interest margin | 3.5110% | 3,655 |
| Noninterest income to average assets | 0.7832% | 1,528 |
| Noninterest expense to average assets | 2.7553% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9559% | 3,279 |
| Return on assets (ROA) | 0.9559% | 3,292 |
| Pretax return on assets | 1.2174% | 2,924 |
| Return on Equity (ROE) | 10.7704% | 2,280 |
| Retained earnings to average equity (ytd only) | 6.2487% | 2,520 |
| Net charge-offs to loans | -0.0739% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3560% | 2,296 |
| Assets per employee ($millions) | 4.5300% | 3,075 |
| Cash dividends to net income (ytd only)* | 41.9827% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 68.2847% | 2,893 |
| Net loans and leases to deposits | 75.7986% | 3,435 |
| Net loans and leases to core deposits | 77.4161% | 3,701 |
| Total domestic deposits to total assets | 90.0870% | 484 |
| Equity capital to assets | 9.0429% | 4,513 |
| Core capital (leverage) ratio | 9.3128% | 4,383 |
| Tier 1 risk-based capital ratio | 11.6663% | 4,699 |
| Total risk-based capital ratio | 12.9177% | 4,583 |
| Memoranda: | ||
| Average total assets | $239,197,750 | 2,561 |
| Average earning assets | $217,289,750 | 2,595 |
| Average equity | $21,230,500 | 2,981 |
| Average total loans | $162,410,250 | 2,514 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 4,493 |
| Cost of funding earning assets | 0.2851% | 4,532 |
| Net interest margin | 3.4529% | 3,789 |
| Noninterest income to average assets | 0.7627% | 1,602 |
| Noninterest expense to average assets | 2.7668% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8958% | 3,470 |
| Return on assets (ROA) | 0.8958% | 3,479 |
| Pretax return on assets | 1.1285% | 3,197 |
| Return on Equity (ROE) | 10.1565% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,474 |
| Net charge-offs to loans | -0.0037% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0294% | 2,159 |
| Assets per employee ($millions) | 4.4114% | 3,262 |
| Cash dividends to net income (ytd only)* | 57.9439% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 68.1532% | 2,841 |
| Net loans and leases to deposits | 75.6538% | 3,373 |
| Net loans and leases to core deposits | 76.9199% | 3,669 |
| Total domestic deposits to total assets | 90.0857% | 543 |
| Equity capital to assets | 9.0901% | 4,490 |
| Core capital (leverage) ratio | 9.1046% | 4,582 |
| Tier 1 risk-based capital ratio | 11.7309% | 4,667 |
| Total risk-based capital ratio | 12.9823% | 4,543 |
| Memoranda: | ||
| Average total assets | $238,900,670 | 2,571 |
| Average earning assets | $216,742,670 | 2,614 |
| Average equity | $21,070,330 | 3,010 |
| Average total loans | $161,042,670 | 2,540 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,637 |
| Cost of funding earning assets | 0.2710% | 4,573 |
| Net interest margin | 3.3608% | 4,020 |
| Noninterest income to average assets | 0.7322% | 1,694 |
| Noninterest expense to average assets | 2.7352% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8234% | 3,617 |
| Return on assets (ROA) | 0.8234% | 3,628 |
| Pretax return on assets | 1.0586% | 3,321 |
| Return on Equity (ROE) | 9.4761% | 2,685 |
| Retained earnings to average equity (ytd only) | -0.4385% | 4,854 |
| Net charge-offs to loans | -0.0050% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0961% | 2,183 |
| Assets per employee ($millions) | 4.5092% | 3,141 |
| Cash dividends to net income (ytd only)* | 104.6278% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.4505% | 2,971 |
| Net loans and leases to deposits | 73.4382% | 3,471 |
| Net loans and leases to core deposits | 74.6506% | 3,772 |
| Total domestic deposits to total assets | 90.4848% | 482 |
| Equity capital to assets | 8.7277% | 4,804 |
| Core capital (leverage) ratio | 8.9314% | 4,759 |
| Tier 1 risk-based capital ratio | 11.6223% | 4,789 |
| Total risk-based capital ratio | 12.8738% | 4,684 |
| Memoranda: | ||
| Average total assets | $241,449,000 | 2,574 |
| Average earning assets | $219,950,000 | 2,613 |
| Average equity | $20,979,000 | 3,046 |
| Average total loans | $160,650,500 | 2,563 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6156% | 4,540 |
| Cost of funding earning assets | 0.2108% | 4,862 |
| Net interest margin | 3.4048% | 3,837 |
| Noninterest income to average assets | 0.8088% | 1,538 |
| Noninterest expense to average assets | 2.7569% | 2,934 |
| Loan and lease loss provision to assets | -0.1282% | 5,512 |
| Net operating income to assets | 0.7797% | 3,250 |
| Return on assets (ROA) | 0.7797% | 3,290 |
| Pretax return on assets | 1.2514% | 2,546 |
| Return on Equity (ROE) | 8.9169% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.9609% | 1,562 |
| Net charge-offs to loans | -0.4197% | 5,595 |
| Credit loss provision to net charge-offs | 46.9484% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0526% | 2,389 |
| Assets per employee ($millions) | 4.6021% | 3,025 |
| Cash dividends to net income (ytd only)* | 33.1507% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.5863% | 3,284 |
| Net loans and leases to deposits | 71.3122% | 3,758 |
| Net loans and leases to core deposits | 72.5524% | 4,008 |
| Total domestic deposits to total assets | 90.5683% | 371 |
| Equity capital to assets | 8.6507% | 4,988 |
| Core capital (leverage) ratio | 8.6154% | 5,027 |
| Tier 1 risk-based capital ratio | 11.6139% | 4,782 |
| Total risk-based capital ratio | 12.8654% | 4,669 |
| Memoranda: | ||
| Average total assets | $234,063,800 | 2,610 |
| Average earning assets | $211,141,000 | 2,650 |
| Average equity | $20,466,800 | 3,087 |
| Average total loans | $152,239,200 | 2,634 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 4,569 |
| Cost of funding earning assets | 0.2037% | 4,946 |
| Net interest margin | 3.3927% | 3,870 |
| Noninterest income to average assets | 0.8134% | 1,537 |
| Noninterest expense to average assets | 2.7927% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7576% | 3,707 |
| Return on assets (ROA) | 0.7576% | 3,764 |
| Pretax return on assets | 1.0794% | 3,386 |
| Return on Equity (ROE) | 8.6398% | 2,792 |
| Retained earnings to average equity (ytd only) | 4.6679% | 3,100 |
| Net charge-offs to loans | -0.5660% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1231% | 2,189 |
| Assets per employee ($millions) | 4.5056% | 3,131 |
| Cash dividends to net income (ytd only)* | 45.9729% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.6914% | 3,151 |
| Net loans and leases to deposits | 73.6959% | 3,606 |
| Net loans and leases to core deposits | 75.2059% | 3,868 |
| Total domestic deposits to total assets | 89.1385% | 811 |
| Equity capital to assets | 8.6948% | 5,152 |
| Core capital (leverage) ratio | 8.6933% | 5,068 |
| Tier 1 risk-based capital ratio | 11.6675% | 4,843 |
| Total risk-based capital ratio | 12.9213% | 4,735 |
| Memoranda: | ||
| Average total assets | $231,602,000 | 2,647 |
| Average earning assets | $208,795,250 | 2,694 |
| Average equity | $20,308,500 | 3,129 |
| Average total loans | $150,296,000 | 2,669 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5485% | 4,637 |
| Cost of funding earning assets | 0.1996% | 4,990 |
| Net interest margin | 3.3489% | 3,952 |
| Noninterest income to average assets | 0.8604% | 1,391 |
| Noninterest expense to average assets | 2.8385% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7417% | 3,662 |
| Return on assets (ROA) | 0.7417% | 3,728 |
| Pretax return on assets | 1.0375% | 3,415 |
| Return on Equity (ROE) | 8.4338% | 2,813 |
| Retained earnings to average equity (ytd only) | 2.4309% | 4,228 |
| Net charge-offs to loans | -0.0231% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2328% | 2,144 |
| Assets per employee ($millions) | 4.3766% | 3,304 |
| Cash dividends to net income (ytd only)* | 71.1765% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.6603% | 3,154 |
| Net loans and leases to deposits | 73.6994% | 3,576 |
| Net loans and leases to core deposits | 75.0504% | 3,851 |
| Total domestic deposits to total assets | 89.0920% | 912 |
| Equity capital to assets | 8.7408% | 5,113 |
| Core capital (leverage) ratio | 8.6301% | 5,114 |
| Tier 1 risk-based capital ratio | 11.6297% | 4,877 |
| Total risk-based capital ratio | 12.8761% | 4,758 |
| Memoranda: | ||
| Average total assets | $229,203,670 | 2,688 |
| Average earning assets | $206,394,330 | 2,740 |
| Average equity | $20,157,000 | 3,144 |
| Average total loans | $147,179,000 | 2,703 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 4,833 |
| Cost of funding earning assets | 0.1991% | 4,987 |
| Net interest margin | 3.2478% | 4,192 |
| Noninterest income to average assets | 0.8463% | 1,411 |
| Noninterest expense to average assets | 2.8390% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7076% | 3,673 |
| Return on assets (ROA) | 0.7076% | 3,714 |
| Pretax return on assets | 0.9288% | 3,664 |
| Return on Equity (ROE) | 8.0207% | 2,913 |
| Retained earnings to average equity (ytd only) | 6.8265% | 1,919 |
| Net charge-offs to loans | -0.0195% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3495% | 2,011 |
| Assets per employee ($millions) | 4.3278% | 3,459 |
| Cash dividends to net income (ytd only)* | 14.8883% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,699 |
| Loan loss allowance to noncurrent loans | 1,480.6897% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,026 |
| Noncurrent loans to loans | 0.1011% | 4,789 |
| Net loans and leases to total assets | 61.5683% | 3,592 |
| Net loans and leases to deposits | 69.2134% | 3,875 |
| Net loans and leases to core deposits | 70.3302% | 4,124 |
| Total domestic deposits to total assets | 88.9542% | 1,163 |
| Equity capital to assets | 8.8563% | 4,948 |
| Core capital (leverage) ratio | 8.8523% | 4,902 |
| Tier 1 risk-based capital ratio | 12.1569% | 4,617 |
| Total risk-based capital ratio | 13.4077% | 4,512 |
| Memoranda: | ||
| Average total assets | $227,826,000 | 2,723 |
| Average earning assets | $204,941,000 | 2,779 |
| Average equity | $20,098,000 | 3,159 |
| Average total loans | $143,537,500 | 2,768 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,593 |
| Cost of funding earning assets | 0.1930% | 5,091 |
| Net interest margin | 3.3761% | 3,906 |
| Noninterest income to average assets | 0.9559% | 1,247 |
| Noninterest expense to average assets | 2.8930% | 2,695 |
| Loan and lease loss provision to assets | 0.0540% | 3,306 |
| Net operating income to assets | 0.7611% | 3,483 |
| Return on assets (ROA) | 0.7628% | 3,584 |
| Pretax return on assets | 1.0514% | 3,289 |
| Return on Equity (ROE) | 8.7648% | 2,533 |
| Retained earnings to average equity (ytd only) | 7.5748% | 1,009 |
| Net charge-offs to loans | 0.5276% | 457 |
| Credit loss provision to net charge-offs | 15.8103% | 3,705 |
| Earnings coverage of net charge-offs (x) | 3.2279% | 3,705 |
| Efficiency ratio | 72.3944% | 2,527 |
| Assets per employee ($millions) | 4.2694% | 3,492 |
| Cash dividends to net income (ytd only)* | 13.5773% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,713 |
| Loan loss allowance to noncurrent loans | 1,108.8083% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,994 |
| Noncurrent loans to loans | 0.1343% | 4,696 |
| Net loans and leases to total assets | 62.5630% | 3,534 |
| Net loans and leases to deposits | 70.4320% | 3,862 |
| Net loans and leases to core deposits | 71.5813% | 4,107 |
| Total domestic deposits to total assets | 88.8275% | 1,194 |
| Equity capital to assets | 8.7865% | 5,032 |
| Core capital (leverage) ratio | 8.8571% | 4,902 |
| Tier 1 risk-based capital ratio | 11.8723% | 4,809 |
| Total risk-based capital ratio | 13.1226% | 4,703 |
| Memoranda: | ||
| Average total assets | $222,084,800 | 2,741 |
| Average earning assets | $199,991,600 | 2,791 |
| Average equity | $19,327,200 | 3,235 |
| Average total loans | $143,849,800 | 2,731 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 4,521 |
| Cost of funding earning assets | 0.1907% | 5,171 |
| Net interest margin | 3.4200% | 3,772 |
| Noninterest income to average assets | 0.9681% | 1,218 |
| Noninterest expense to average assets | 2.9328% | 2,530 |
| Loan and lease loss provision to assets | 0.0724% | 2,765 |
| Net operating income to assets | 0.7747% | 3,486 |
| Return on assets (ROA) | 0.7769% | 3,618 |
| Pretax return on assets | 1.0490% | 3,432 |
| Return on Equity (ROE) | 8.9496% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.7684% | 1,273 |
| Net charge-offs to loans | 0.7042% | 266 |
| Credit loss provision to net charge-offs | 15.7895% | 3,320 |
| Earnings coverage of net charge-offs (x) | 2.4395% | 3,570 |
| Efficiency ratio | 72.3943% | 2,517 |
| Assets per employee ($millions) | 4.0554% | 3,865 |
| Cash dividends to net income (ytd only)* | 13.1987% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,732 |
| Loan loss allowance to noncurrent loans | 1,108.2902% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,089 |
| Noncurrent loans to loans | 0.1361% | 4,797 |
| Net loans and leases to total assets | 63.7817% | 3,432 |
| Net loans and leases to deposits | 72.1075% | 3,794 |
| Net loans and leases to core deposits | 73.3276% | 4,055 |
| Total domestic deposits to total assets | 88.4536% | 1,167 |
| Equity capital to assets | 9.0687% | 5,108 |
| Core capital (leverage) ratio | 8.8716% | 4,979 |
| Tier 1 risk-based capital ratio | 11.8881% | 4,858 |
| Total risk-based capital ratio | 13.1386% | 4,756 |
| Memoranda: | ||
| Average total assets | $221,036,250 | 2,755 |
| Average earning assets | $199,255,750 | 2,814 |
| Average equity | $19,188,500 | 3,268 |
| Average total loans | $143,885,500 | 2,722 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 4,573 |
| Cost of funding earning assets | 0.1867% | 5,268 |
| Net interest margin | 3.4187% | 3,812 |
| Noninterest income to average assets | 0.9914% | 1,133 |
| Noninterest expense to average assets | 2.9741% | 2,429 |
| Loan and lease loss provision to assets | 0.0812% | 2,514 |
| Net operating income to assets | 0.7777% | 3,413 |
| Return on assets (ROA) | 0.7812% | 3,540 |
| Pretax return on assets | 1.0301% | 3,482 |
| Return on Equity (ROE) | 9.1328% | 2,438 |
| Retained earnings to average equity (ytd only) | 7.3400% | 1,456 |
| Net charge-offs to loans | 1.0278% | 175 |
| Credit loss provision to net charge-offs | 12.1131% | 2,982 |
| Earnings coverage of net charge-offs (x) | 1.6514% | 3,377 |
| Efficiency ratio | 72.8780% | 2,537 |
| Assets per employee ($millions) | 3.8859% | 4,111 |
| Cash dividends to net income (ytd only)* | 19.6305% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,840 |
| Loan loss allowance to noncurrent loans | 117.3289% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 2,509 |
| Noncurrent loans to loans | 1.2823% | 1,770 |
| Net loans and leases to total assets | 63.9588% | 3,367 |
| Net loans and leases to deposits | 72.1674% | 3,769 |
| Net loans and leases to core deposits | 73.5514% | 4,023 |
| Total domestic deposits to total assets | 88.6256% | 1,098 |
| Equity capital to assets | 8.9191% | 5,302 |
| Core capital (leverage) ratio | 8.6493% | 5,215 |
| Tier 1 risk-based capital ratio | 11.6606% | 5,055 |
| Total risk-based capital ratio | 12.9112% | 4,956 |
| Memoranda: | ||
| Average total assets | $221,717,000 | 2,762 |
| Average earning assets | $200,367,000 | 2,810 |
| Average equity | $18,964,670 | 3,305 |
| Average total loans | $144,575,000 | 2,710 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 4,821 |
| Cost of funding earning assets | 0.1805% | 5,371 |
| Net interest margin | 3.3470% | 4,054 |
| Noninterest income to average assets | 0.8759% | 1,371 |
| Noninterest expense to average assets | 2.9244% | 2,619 |
| Loan and lease loss provision to assets | 0.0804% | 2,345 |
| Net operating income to assets | 0.7132% | 3,644 |
| Return on assets (ROA) | 0.7132% | 3,765 |
| Pretax return on assets | 0.9206% | 3,762 |
| Return on Equity (ROE) | 8.5154% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.3812% | 2,192 |
| Net charge-offs to loans | 2.1011% | 70 |
| Credit loss provision to net charge-offs | 5.8594% | 2,388 |
| Earnings coverage of net charge-offs (x) | 0.7292% | 2,899 |
| Efficiency ratio | 74.4991% | 2,401 |
| Assets per employee ($millions) | 4.0317% | 3,893 |
| Cash dividends to net income (ytd only)* | 25.0627% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,287 |
| Loan loss allowance to noncurrent loans | 4,195.9184% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,556 |
| Noncurrent loans to loans | 0.0341% | 5,358 |
| Net loans and leases to total assets | 62.7778% | 3,417 |
| Net loans and leases to deposits | 70.2042% | 3,842 |
| Net loans and leases to core deposits | 71.4889% | 4,103 |
| Total domestic deposits to total assets | 89.4217% | 878 |
| Equity capital to assets | 8.3942% | 5,640 |
| Core capital (leverage) ratio | 8.3979% | 5,481 |
| Tier 1 risk-based capital ratio | 12.0690% | 4,873 |
| Total risk-based capital ratio | 13.3199% | 4,783 |
| Memoranda: | ||
| Average total assets | $223,769,500 | 2,751 |
| Average earning assets | $203,883,000 | 2,777 |
| Average equity | $18,742,500 | 3,340 |
| Average total loans | $146,208,500 | 2,703 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 4,805 |
| Cost of funding earning assets | 0.1777% | 5,482 |
| Net interest margin | 3.3734% | 4,018 |
| Noninterest income to average assets | 1.1387% | 908 |
| Noninterest expense to average assets | 2.9249% | 2,782 |
| Loan and lease loss provision to assets | 0.0269% | 3,845 |
| Net operating income to assets | 0.8530% | 3,096 |
| Return on assets (ROA) | 0.8530% | 3,170 |
| Pretax return on assets | 1.2309% | 2,540 |
| Return on Equity (ROE) | 10.6311% | 1,741 |
| Retained earnings to average equity (ytd only) | 7.5059% | 1,094 |
| Net charge-offs to loans | 0.0852% | 2,611 |
| Credit loss provision to net charge-offs | 50.0000% | 3,400 |
| Earnings coverage of net charge-offs (x) | 23.4083% | 1,731 |
| Efficiency ratio | 69.9283% | 3,236 |
| Assets per employee ($millions) | 3.9601% | 4,014 |
| Cash dividends to net income (ytd only)* | 29.3963% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 1,014 |
| Loan loss allowance to noncurrent loans | 364.6982% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 4,210 |
| Noncurrent loans to loans | 0.5127% | 3,643 |
| Net loans and leases to total assets | 65.7660% | 3,019 |
| Net loans and leases to deposits | 73.7210% | 3,529 |
| Net loans and leases to core deposits | 75.3859% | 3,810 |
| Total domestic deposits to total assets | 89.2093% | 1,016 |
| Equity capital to assets | 8.3570% | 5,663 |
| Core capital (leverage) ratio | 8.2708% | 5,628 |
| Tier 1 risk-based capital ratio | 11.5187% | 5,246 |
| Total risk-based capital ratio | 12.7746% | 5,148 |
| Memoranda: | ||
| Average total assets | $223,324,800 | 2,718 |
| Average earning assets | $201,519,600 | 2,763 |
| Average equity | $17,919,200 | 3,396 |
| Average total loans | $140,838,400 | 2,713 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 4,918 |
| Cost of funding earning assets | 0.1777% | 5,572 |
| Net interest margin | 3.3512% | 4,135 |
| Noninterest income to average assets | 1.1574% | 890 |
| Noninterest expense to average assets | 2.9102% | 2,819 |
| Loan and lease loss provision to assets | 0.0089% | 4,086 |
| Net operating income to assets | 0.8773% | 3,050 |
| Return on assets (ROA) | 0.8773% | 3,134 |
| Pretax return on assets | 1.2611% | 2,550 |
| Return on Equity (ROE) | 11.0472% | 1,689 |
| Retained earnings to average equity (ytd only) | 7.8951% | 1,281 |
| Net charge-offs to loans | 0.1162% | 1,968 |
| Credit loss provision to net charge-offs | 12.3967% | 3,428 |
| Earnings coverage of net charge-offs (x) | 17.6115% | 2,046 |
| Efficiency ratio | 69.6179% | 3,265 |
| Assets per employee ($millions) | 3.9316% | 4,017 |
| Cash dividends to net income (ytd only)* | 28.5328% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 1,080 |
| Loan loss allowance to noncurrent loans | 358.6614% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 4,392 |
| Noncurrent loans to loans | 0.5287% | 3,759 |
| Net loans and leases to total assets | 64.2196% | 3,274 |
| Net loans and leases to deposits | 72.0411% | 3,764 |
| Net loans and leases to core deposits | 73.6794% | 4,046 |
| Total domestic deposits to total assets | 89.1430% | 951 |
| Equity capital to assets | 8.3267% | 5,815 |
| Core capital (leverage) ratio | 8.1680% | 5,802 |
| Tier 1 risk-based capital ratio | 11.2053% | 5,546 |
| Total risk-based capital ratio | 12.4608% | 5,440 |
| Memoranda: | ||
| Average total assets | $223,714,750 | 2,741 |
| Average earning assets | $201,794,750 | 2,781 |
| Average equity | $17,765,750 | 3,442 |
| Average total loans | $138,891,750 | 2,755 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4776% | 5,047 |
| Cost of funding earning assets | 0.1775% | 5,633 |
| Net interest margin | 3.3001% | 4,302 |
| Noninterest income to average assets | 1.2379% | 795 |
| Noninterest expense to average assets | 2.9258% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9000% | 2,877 |
| Return on assets (ROA) | 0.9000% | 2,998 |
| Pretax return on assets | 1.2886% | 2,404 |
| Return on Equity (ROE) | 11.5153% | 1,520 |
| Retained earnings to average equity (ytd only) | 8.2154% | 1,183 |
| Net charge-offs to loans | 0.1794% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.7805% | 2,258 |
| Efficiency ratio | 69.4239% | 3,428 |
| Assets per employee ($millions) | 4.0335% | 3,817 |
| Cash dividends to net income (ytd only)* | 28.6561% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 1,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 61.8837% | 3,565 |
| Net loans and leases to deposits | 69.1941% | 4,020 |
| Net loans and leases to core deposits | 71.0270% | 4,218 |
| Total domestic deposits to total assets | 89.4350% | 933 |
| Equity capital to assets | 8.0696% | 5,949 |
| Core capital (leverage) ratio | 7.9247% | 5,965 |
| Tier 1 risk-based capital ratio | 10.7003% | 5,843 |
| Total risk-based capital ratio | 11.9553% | 5,778 |
| Memoranda: | ||
| Average total assets | $224,896,000 | 2,749 |
| Average earning assets | $202,840,000 | 2,789 |
| Average equity | $17,576,670 | 3,482 |
| Average total loans | $137,147,000 | 2,788 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 5,127 |
| Cost of funding earning assets | 0.1842% | 5,653 |
| Net interest margin | 3.2524% | 4,411 |
| Noninterest income to average assets | 1.2985% | 683 |
| Noninterest expense to average assets | 2.9555% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8868% | 2,811 |
| Return on assets (ROA) | 0.8868% | 2,936 |
| Pretax return on assets | 1.2755% | 2,373 |
| Return on Equity (ROE) | 11.5310% | 1,470 |
| Retained earnings to average equity (ytd only) | 8.3151% | 1,450 |
| Net charge-offs to loans | 0.0707% | 2,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.0833% | 1,147 |
| Efficiency ratio | 69.8539% | 3,514 |
| Assets per employee ($millions) | 4.2003% | 3,563 |
| Cash dividends to net income (ytd only)* | 27.8884% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.2986% | 4,052 |
| Net loans and leases to deposits | 63.6999% | 4,402 |
| Net loans and leases to core deposits | 65.4534% | 4,572 |
| Total domestic deposits to total assets | 89.9509% | 763 |
| Equity capital to assets | 7.6276% | 6,146 |
| Core capital (leverage) ratio | 7.7678% | 6,041 |
| Tier 1 risk-based capital ratio | 11.4921% | 5,562 |
| Total risk-based capital ratio | 12.7497% | 5,474 |
| Memoranda: | ||
| Average total assets | $226,421,500 | 2,753 |
| Average earning assets | $204,160,000 | 2,788 |
| Average equity | $17,414,000 | 3,533 |
| Average total loans | $135,719,500 | 2,813 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 5,274 |
| Cost of funding earning assets | 0.2110% | 5,659 |
| Net interest margin | 3.3091% | 4,534 |
| Noninterest income to average assets | 1.1395% | 935 |
| Noninterest expense to average assets | 2.8716% | 3,235 |
| Loan and lease loss provision to assets | 0.0833% | 2,816 |
| Net operating income to assets | 0.8082% | 3,333 |
| Return on assets (ROA) | 0.8082% | 3,421 |
| Pretax return on assets | 1.1455% | 2,895 |
| Return on Equity (ROE) | 10.6855% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.9637% | 1,029 |
| Net charge-offs to loans | -0.1152% | 6,148 |
| Credit loss provision to net charge-offs | -125.0000% | 5,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0327% | 3,524 |
| Assets per employee ($millions) | 4.0332% | 3,874 |
| Cash dividends to net income (ytd only)* | 25.4722% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0836% | 972 |
| Loan loss allowance to noncurrent loans | 47,316.6667% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,085 |
| Noncurrent loans to loans | 0.0044% | 5,909 |
| Net loans and leases to total assets | 60.1442% | 3,768 |
| Net loans and leases to deposits | 67.4319% | 4,179 |
| Net loans and leases to core deposits | 69.2944% | 4,382 |
| Total domestic deposits to total assets | 89.1925% | 1,126 |
| Equity capital to assets | 7.7569% | 6,156 |
| Core capital (leverage) ratio | 7.5980% | 6,174 |
| Tier 1 risk-based capital ratio | 10.8252% | 5,976 |
| Total risk-based capital ratio | 12.0818% | 5,902 |
| Memoranda: | ||
| Average total assets | $216,153,600 | 2,823 |
| Average earning assets | $193,408,800 | 2,874 |
| Average equity | $16,349,200 | 3,624 |
| Average total loans | $125,028,400 | 2,956 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 5,469 |
| Cost of funding earning assets | 0.2176% | 5,687 |
| Net interest margin | 3.2439% | 4,812 |
| Noninterest income to average assets | 1.0735% | 1,057 |
| Noninterest expense to average assets | 2.8295% | 3,354 |
| Loan and lease loss provision to assets | 0.0838% | 2,678 |
| Net operating income to assets | 0.7414% | 3,719 |
| Return on assets (ROA) | 0.7414% | 3,828 |
| Pretax return on assets | 1.0568% | 3,356 |
| Return on Equity (ROE) | 9.8667% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.1894% | 2,280 |
| Net charge-offs to loans | -0.0098% | 5,421 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2699% | 3,300 |
| Assets per employee ($millions) | 3.9647% | 3,959 |
| Cash dividends to net income (ytd only)* | 37.2698% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 1,244 |
| Loan loss allowance to noncurrent loans | 424.7604% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 5,098 |
| Noncurrent loans to loans | 0.4727% | 4,489 |
| Net loans and leases to total assets | 60.6099% | 3,687 |
| Net loans and leases to deposits | 68.0089% | 4,126 |
| Net loans and leases to core deposits | 70.0498% | 4,316 |
| Total domestic deposits to total assets | 89.1206% | 1,166 |
| Equity capital to assets | 7.7411% | 6,230 |
| Core capital (leverage) ratio | 7.6113% | 6,240 |
| Tier 1 risk-based capital ratio | 10.8754% | 6,051 |
| Total risk-based capital ratio | 12.1321% | 6,002 |
| Memoranda: | ||
| Average total assets | $214,735,250 | 2,857 |
| Average earning assets | $191,742,250 | 2,918 |
| Average equity | $16,134,750 | 3,672 |
| Average total loans | $122,221,750 | 3,014 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,682 |
| Cost of funding earning assets | 0.2266% | 5,690 |
| Net interest margin | 3.1423% | 5,115 |
| Noninterest income to average assets | 1.0970% | 988 |
| Noninterest expense to average assets | 2.8100% | 3,463 |
| Loan and lease loss provision to assets | 0.0837% | 2,628 |
| Net operating income to assets | 0.7137% | 3,768 |
| Return on assets (ROA) | 0.7137% | 3,859 |
| Pretax return on assets | 1.0161% | 3,417 |
| Return on Equity (ROE) | 9.5943% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.5915% | 2,586 |
| Net charge-offs to loans | -0.0151% | 5,444 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8705% | 3,370 |
| Assets per employee ($millions) | 4.0111% | 3,816 |
| Cash dividends to net income (ytd only)* | 41.7210% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0836% | 1,215 |
| Loan loss allowance to noncurrent loans | 413.6076% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 5,200 |
| Noncurrent loans to loans | 0.5038% | 4,483 |
| Net loans and leases to total assets | 56.7126% | 4,156 |
| Net loans and leases to deposits | 63.4055% | 4,556 |
| Net loans and leases to core deposits | 64.8979% | 4,734 |
| Total domestic deposits to total assets | 89.4442% | 1,123 |
| Equity capital to assets | 7.5092% | 6,346 |
| Core capital (leverage) ratio | 7.5337% | 6,307 |
| Tier 1 risk-based capital ratio | 10.9822% | 6,056 |
| Total risk-based capital ratio | 12.2389% | 6,000 |
| Memoranda: | ||
| Average total assets | $214,949,670 | 2,867 |
| Average earning assets | $192,409,670 | 2,918 |
| Average equity | $15,988,670 | 3,694 |
| Average total loans | $118,822,330 | 3,086 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2731% | 5,895 |
| Cost of funding earning assets | 0.2435% | 5,650 |
| Net interest margin | 3.0296% | 5,446 |
| Noninterest income to average assets | 1.2124% | 753 |
| Noninterest expense to average assets | 2.8619% | 3,340 |
| Loan and lease loss provision to assets | 0.0841% | 2,500 |
| Net operating income to assets | 0.6968% | 3,705 |
| Return on assets (ROA) | 0.6968% | 3,783 |
| Pretax return on assets | 0.9863% | 3,380 |
| Return on Equity (ROE) | 9.4130% | 2,290 |
| Retained earnings to average equity (ytd only) | 7.8988% | 1,634 |
| Net charge-offs to loans | -0.0416% | 5,724 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7791% | 3,345 |
| Assets per employee ($millions) | 4.0680% | 3,785 |
| Cash dividends to net income (ytd only)* | 16.0858% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,130 |
| Loan loss allowance to noncurrent loans | 399.8445% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 5,283 |
| Noncurrent loans to loans | 0.5551% | 4,497 |
| Net loans and leases to total assets | 51.5603% | 4,724 |
| Net loans and leases to deposits | 58.0808% | 4,933 |
| Net loans and leases to core deposits | 59.5941% | 5,074 |
| Total domestic deposits to total assets | 88.7733% | 1,791 |
| Equity capital to assets | 7.2972% | 6,382 |
| Core capital (leverage) ratio | 7.4672% | 6,348 |
| Tier 1 risk-based capital ratio | 11.4607% | 5,937 |
| Total risk-based capital ratio | 12.7176% | 5,882 |
| Memoranda: | ||
| Average total assets | $214,124,000 | 2,890 |
| Average earning assets | $192,236,000 | 2,944 |
| Average equity | $15,850,500 | 3,728 |
| Average total loans | $115,506,500 | 3,163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 5,779 |
| Cost of funding earning assets | 0.3405% | 5,237 |
| Net interest margin | 3.0884% | 5,344 |
| Noninterest income to average assets | 1.1055% | 1,148 |
| Noninterest expense to average assets | 2.8323% | 3,607 |
| Loan and lease loss provision to assets | 0.0531% | 4,078 |
| Net operating income to assets | 0.7154% | 3,718 |
| Return on assets (ROA) | 0.7154% | 3,806 |
| Pretax return on assets | 0.9698% | 3,480 |
| Return on Equity (ROE) | 9.8387% | 2,174 |
| Retained earnings to average equity (ytd only) | 8.3450% | 942 |
| Net charge-offs to loans | -0.2058% | 6,615 |
| Credit loss provision to net charge-offs | -47.6190% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4661% | 3,222 |
| Assets per employee ($millions) | 3.8625% | 4,133 |
| Cash dividends to net income (ytd only)* | 15.1822% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1836% | 1,196 |
| Loan loss allowance to noncurrent loans | 385.7362% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 5,069 |
| Noncurrent loans to loans | 0.5661% | 4,575 |
| Net loans and leases to total assets | 54.0156% | 4,581 |
| Net loans and leases to deposits | 61.2912% | 4,794 |
| Net loans and leases to core deposits | 63.0999% | 4,962 |
| Total domestic deposits to total assets | 88.1294% | 2,101 |
| Equity capital to assets | 7.5134% | 6,277 |
| Core capital (leverage) ratio | 7.1144% | 6,499 |
| Tier 1 risk-based capital ratio | 11.1817% | 6,085 |
| Total risk-based capital ratio | 12.4380% | 6,033 |
| Memoranda: | ||
| Average total assets | $207,148,600 | 2,948 |
| Average earning assets | $184,434,000 | 3,026 |
| Average equity | $15,063,000 | 3,857 |
| Average total loans | $112,223,600 | 3,203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 5,873 |
| Cost of funding earning assets | 0.3557% | 5,243 |
| Net interest margin | 3.0463% | 5,477 |
| Noninterest income to average assets | 1.0722% | 1,275 |
| Noninterest expense to average assets | 2.8111% | 3,619 |
| Loan and lease loss provision to assets | 0.0419% | 4,173 |
| Net operating income to assets | 0.6570% | 4,086 |
| Return on assets (ROA) | 0.6570% | 4,217 |
| Pretax return on assets | 0.9304% | 3,761 |
| Return on Equity (ROE) | 9.1116% | 2,584 |
| Retained earnings to average equity (ytd only) | 7.5468% | 1,620 |
| Net charge-offs to loans | -0.2631% | 6,703 |
| Credit loss provision to net charge-offs | -29.5455% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3013% | 3,014 |
| Assets per employee ($millions) | 3.9954% | 3,838 |
| Cash dividends to net income (ytd only)* | 17.1739% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 1,331 |
| Loan loss allowance to noncurrent loans | 369.7744% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 5,250 |
| Noncurrent loans to loans | 0.5939% | 4,714 |
| Net loans and leases to total assets | 50.7578% | 5,038 |
| Net loans and leases to deposits | 57.2416% | 5,261 |
| Net loans and leases to core deposits | 58.4833% | 5,412 |
| Total domestic deposits to total assets | 88.6730% | 1,736 |
| Equity capital to assets | 7.1064% | 6,520 |
| Core capital (leverage) ratio | 7.3113% | 6,507 |
| Tier 1 risk-based capital ratio | 11.2438% | 6,172 |
| Total risk-based capital ratio | 12.5007% | 6,134 |
| Memoranda: | ||
| Average total assets | $206,792,000 | 2,968 |
| Average earning assets | $184,046,500 | 3,052 |
| Average equity | $14,911,000 | 3,932 |
| Average total loans | $111,485,000 | 3,236 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 5,928 |
| Cost of funding earning assets | 0.3727% | 5,208 |
| Net interest margin | 3.0190% | 5,525 |
| Noninterest income to average assets | 1.0775% | 1,316 |
| Noninterest expense to average assets | 2.8301% | 3,572 |
| Loan and lease loss provision to assets | 0.0196% | 4,503 |
| Net operating income to assets | 0.6310% | 4,151 |
| Return on assets (ROA) | 0.6310% | 4,305 |
| Pretax return on assets | 0.9224% | 3,820 |
| Return on Equity (ROE) | 8.7064% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.6909% | 1,599 |
| Net charge-offs to loans | -0.3647% | 6,785 |
| Credit loss provision to net charge-offs | -9.8522% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0260% | 2,942 |
| Assets per employee ($millions) | 3.7717% | 4,261 |
| Cash dividends to net income (ytd only)* | 11.6641% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1619% | 1,505 |
| Loan loss allowance to noncurrent loans | 102.3484% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 3,284 |
| Noncurrent loans to loans | 2.1123% | 2,270 |
| Net loans and leases to total assets | 53.2611% | 4,703 |
| Net loans and leases to deposits | 60.3803% | 4,932 |
| Net loans and leases to core deposits | 61.6366% | 5,131 |
| Total domestic deposits to total assets | 88.2095% | 2,104 |
| Equity capital to assets | 7.3682% | 6,486 |
| Core capital (leverage) ratio | 7.3132% | 6,526 |
| Tier 1 risk-based capital ratio | 11.3924% | 6,160 |
| Total risk-based capital ratio | 12.6561% | 6,119 |
| Memoranda: | ||
| Average total assets | $203,806,000 | 3,022 |
| Average earning assets | $181,913,000 | 3,092 |
| Average equity | $14,770,670 | 3,991 |
| Average total loans | $111,323,670 | 3,241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 5,911 |
| Cost of funding earning assets | 0.3986% | 5,116 |
| Net interest margin | 3.0160% | 5,524 |
| Noninterest income to average assets | 1.1262% | 1,180 |
| Noninterest expense to average assets | 2.8174% | 3,637 |
| Loan and lease loss provision to assets | 0.0883% | 3,188 |
| Net operating income to assets | 0.6377% | 4,035 |
| Return on assets (ROA) | 0.6377% | 4,196 |
| Pretax return on assets | 0.9221% | 3,681 |
| Return on Equity (ROE) | 8.8722% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.5073% | 1,937 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6033% | 3,330 |
| Assets per employee ($millions) | 3.9034% | 4,152 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 1,967 |
| Loan loss allowance to noncurrent loans | 495.3125% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 5,690 |
| Noncurrent loans to loans | 0.4099% | 5,391 |
| Net loans and leases to total assets | 50.7963% | 4,879 |
| Net loans and leases to deposits | 57.8153% | 5,059 |
| Net loans and leases to core deposits | 58.9416% | 5,252 |
| Total domestic deposits to total assets | 87.8597% | 2,406 |
| Equity capital to assets | 7.0166% | 6,710 |
| Core capital (leverage) ratio | 7.5082% | 6,468 |
| Tier 1 risk-based capital ratio | 11.1993% | 6,312 |
| Total risk-based capital ratio | 12.4548% | 6,289 |
| Memoranda: | ||
| Average total assets | $203,873,000 | 3,055 |
| Average earning assets | $182,629,000 | 3,106 |
| Average equity | $14,652,500 | 4,065 |
| Average total loans | $111,548,000 | 3,260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 6,085 |
| Cost of funding earning assets | 0.4049% | 5,883 |
| Net interest margin | 3.2743% | 5,342 |
| Noninterest income to average assets | 1.1299% | 1,223 |
| Noninterest expense to average assets | 2.9366% | 3,513 |
| Loan and lease loss provision to assets | 0.1755% | 3,427 |
| Net operating income to assets | 0.7186% | 3,648 |
| Return on assets (ROA) | 0.7186% | 3,905 |
| Pretax return on assets | 0.9983% | 3,555 |
| Return on Equity (ROE) | 9.6997% | 2,316 |
| Retained earnings to average equity (ytd only) | 8.0581% | 1,103 |
| Net charge-offs to loans | 0.4679% | 2,363 |
| Credit loss provision to net charge-offs | 66.5331% | 4,269 |
| Earnings coverage of net charge-offs (x) | 4.4489% | 3,365 |
| Efficiency ratio | 71.4433% | 3,527 |
| Assets per employee ($millions) | 3.6474% | 4,678 |
| Cash dividends to net income (ytd only)* | 16.9242% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 2,268 |
| Loan loss allowance to noncurrent loans | 166.9739% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 4,603 |
| Noncurrent loans to loans | 1.1441% | 3,936 |
| Net loans and leases to total assets | 56.6772% | 4,169 |
| Net loans and leases to deposits | 63.1853% | 4,639 |
| Net loans and leases to core deposits | 64.5891% | 4,892 |
| Total domestic deposits to total assets | 89.7000% | 1,127 |
| Equity capital to assets | 7.3695% | 6,681 |
| Core capital (leverage) ratio | 7.1234% | 6,661 |
| Tier 1 risk-based capital ratio | 10.7972% | 6,432 |
| Total risk-based capital ratio | 12.0588% | 6,399 |
| Memoranda: | ||
| Average total assets | $189,129,200 | 3,190 |
| Average earning assets | $172,158,800 | 3,198 |
| Average equity | $14,010,800 | 4,157 |
| Average total loans | $106,635,400 | 3,363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 6,233 |
| Cost of funding earning assets | 0.4162% | 6,015 |
| Net interest margin | 3.2777% | 5,462 |
| Noninterest income to average assets | 1.0792% | 1,292 |
| Noninterest expense to average assets | 2.9306% | 3,476 |
| Loan and lease loss provision to assets | 0.0442% | 5,218 |
| Net operating income to assets | 0.7871% | 3,516 |
| Return on assets (ROA) | 0.7871% | 3,758 |
| Pretax return on assets | 1.0949% | 3,368 |
| Return on Equity (ROE) | 10.6109% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.6507% | 1,013 |
| Net charge-offs to loans | 0.0776% | 4,628 |
| Credit loss provision to net charge-offs | 101.6393% | 2,899 |
| Earnings coverage of net charge-offs (x) | 26.2136% | 1,221 |
| Efficiency ratio | 72.0112% | 3,328 |
| Assets per employee ($millions) | 3.6159% | 4,728 |
| Cash dividends to net income (ytd only)* | 9.0498% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 1,913 |
| Loan loss allowance to noncurrent loans | 81.0381% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 3,243 |
| Noncurrent loans to loans | 2.5870% | 2,209 |
| Net loans and leases to total assets | 56.0133% | 4,451 |
| Net loans and leases to deposits | 62.4499% | 4,907 |
| Net loans and leases to core deposits | 63.6437% | 5,194 |
| Total domestic deposits to total assets | 89.6932% | 1,016 |
| Equity capital to assets | 7.3702% | 6,800 |
| Core capital (leverage) ratio | 7.3365% | 6,703 |
| Tier 1 risk-based capital ratio | 11.1009% | 6,442 |
| Total risk-based capital ratio | 12.3652% | 6,407 |
| Memoranda: | ||
| Average total assets | $187,171,250 | 3,244 |
| Average earning assets | $170,766,000 | 3,250 |
| Average equity | $13,884,750 | 4,216 |
| Average total loans | $104,842,750 | 3,436 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 6,270 |
| Cost of funding earning assets | 0.4386% | 6,044 |
| Net interest margin | 3.3034% | 5,433 |
| Noninterest income to average assets | 1.0679% | 1,255 |
| Noninterest expense to average assets | 2.9413% | 3,466 |
| Loan and lease loss provision to assets | 0.0184% | 5,437 |
| Net operating income to assets | 0.8207% | 3,300 |
| Return on assets (ROA) | 0.8207% | 3,556 |
| Pretax return on assets | 1.1134% | 3,259 |
| Return on Equity (ROE) | 11.0382% | 1,980 |
| Retained earnings to average equity (ytd only) | 9.5801% | 1,090 |
| Net charge-offs to loans | 0.1190% | 3,983 |
| Credit loss provision to net charge-offs | 27.8689% | 4,471 |
| Earnings coverage of net charge-offs (x) | 17.1148% | 1,551 |
| Efficiency ratio | 72.2119% | 3,392 |
| Assets per employee ($millions) | 3.4738% | 5,037 |
| Cash dividends to net income (ytd only)* | 13.2100% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 1,733 |
| Loan loss allowance to noncurrent loans | 113.7692% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 4,098 |
| Noncurrent loans to loans | 1.9483% | 3,001 |
| Net loans and leases to total assets | 53.0362% | 4,956 |
| Net loans and leases to deposits | 59.1265% | 5,323 |
| Net loans and leases to core deposits | 60.2458% | 5,562 |
| Total domestic deposits to total assets | 89.6996% | 1,102 |
| Equity capital to assets | 7.3500% | 6,835 |
| Core capital (leverage) ratio | 7.2842% | 6,726 |
| Tier 1 risk-based capital ratio | 11.5091% | 6,211 |
| Total risk-based capital ratio | 12.7746% | 6,178 |
| Memoranda: | ||
| Average total assets | $184,475,330 | 3,289 |
| Average earning assets | $167,825,330 | 3,294 |
| Average equity | $13,716,000 | 4,254 |
| Average total loans | $102,552,670 | 3,503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 6,316 |
| Cost of funding earning assets | 0.4609% | 6,079 |
| Net interest margin | 3.3037% | 5,461 |
| Noninterest income to average assets | 1.0001% | 1,425 |
| Noninterest expense to average assets | 3.0069% | 3,218 |
| Loan and lease loss provision to assets | -0.0618% | 7,155 |
| Net operating income to assets | 0.8456% | 3,184 |
| Return on assets (ROA) | 0.8456% | 3,424 |
| Pretax return on assets | 1.0619% | 3,463 |
| Return on Equity (ROE) | 11.3042% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.8284% | 1,313 |
| Net charge-offs to loans | -0.2902% | 7,059 |
| Credit loss provision to net charge-offs | 37.8378% | 3,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0413% | 2,934 |
| Assets per employee ($millions) | 3.5368% | 5,037 |
| Cash dividends to net income (ytd only)* | 13.0548% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3153% | 1,648 |
| Loan loss allowance to noncurrent loans | 185.6143% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 5,052 |
| Noncurrent loans to loans | 1.2474% | 4,251 |
| Net loans and leases to total assets | 51.7736% | 5,052 |
| Net loans and leases to deposits | 57.4687% | 5,439 |
| Net loans and leases to core deposits | 58.4462% | 5,676 |
| Total domestic deposits to total assets | 90.0901% | 1,035 |
| Equity capital to assets | 7.0527% | 6,927 |
| Core capital (leverage) ratio | 7.2426% | 6,747 |
| Tier 1 risk-based capital ratio | 11.0928% | 6,497 |
| Total risk-based capital ratio | 12.3590% | 6,476 |
| Memoranda: | ||
| Average total assets | $181,183,000 | 3,359 |
| Average earning assets | $164,908,000 | 3,364 |
| Average equity | $13,552,500 | 4,289 |
| Average total loans | $102,015,000 | 3,539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 6,168 |
| Cost of funding earning assets | 0.6879% | 5,616 |
| Net interest margin | 3.4707% | 5,250 |
| Noninterest income to average assets | 1.0783% | 1,149 |
| Noninterest expense to average assets | 3.1671% | 2,977 |
| Loan and lease loss provision to assets | 0.1100% | 5,215 |
| Net operating income to assets | 0.6681% | 3,639 |
| Return on assets (ROA) | 0.6681% | 3,827 |
| Pretax return on assets | 0.9377% | 3,479 |
| Return on Equity (ROE) | 8.4671% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.3438% | 1,343 |
| Net charge-offs to loans | 0.0952% | 5,395 |
| Credit loss provision to net charge-offs | 195.6522% | 1,294 |
| Earnings coverage of net charge-offs (x) | 18.6304% | 1,210 |
| Efficiency ratio | 75.1414% | 3,043 |
| Assets per employee ($millions) | 2.9972% | 6,088 |
| Cash dividends to net income (ytd only)* | 13.2662% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3194% | 1,594 |
| Loan loss allowance to noncurrent loans | 181.3323% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 4,884 |
| Noncurrent loans to loans | 1.2791% | 4,232 |
| Net loans and leases to total assets | 58.7397% | 4,240 |
| Net loans and leases to deposits | 66.3055% | 4,692 |
| Net loans and leases to core deposits | 67.4948% | 5,091 |
| Total domestic deposits to total assets | 88.5894% | 1,790 |
| Equity capital to assets | 7.9753% | 6,588 |
| Core capital (leverage) ratio | 7.9251% | 6,329 |
| Tier 1 risk-based capital ratio | 11.2180% | 6,338 |
| Total risk-based capital ratio | 12.3795% | 6,366 |
| Memoranda: | ||
| Average total assets | $163,587,000 | 3,579 |
| Average earning assets | $147,836,400 | 3,606 |
| Average equity | $12,908,800 | 4,353 |
| Average total loans | $96,618,800 | 3,712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 6,250 |
| Cost of funding earning assets | 0.7294% | 5,596 |
| Net interest margin | 3.4529% | 5,382 |
| Noninterest income to average assets | 1.0452% | 1,232 |
| Noninterest expense to average assets | 3.1790% | 2,884 |
| Loan and lease loss provision to assets | 0.1108% | 5,051 |
| Net operating income to assets | 0.6399% | 3,922 |
| Return on assets (ROA) | 0.6399% | 4,106 |
| Pretax return on assets | 0.8778% | 3,852 |
| Return on Equity (ROE) | 8.1314% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.4017% | 1,774 |
| Net charge-offs to loans | 0.1284% | 4,761 |
| Credit loss provision to net charge-offs | 146.7391% | 2,144 |
| Earnings coverage of net charge-offs (x) | 13.0982% | 1,644 |
| Efficiency ratio | 76.2795% | 2,802 |
| Assets per employee ($millions) | 3.0110% | 6,093 |
| Cash dividends to net income (ytd only)* | 8.9743% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3879% | 1,550 |
| Loan loss allowance to noncurrent loans | 278.3030% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 5,617 |
| Noncurrent loans to loans | 0.8580% | 5,146 |
| Net loans and leases to total assets | 56.6750% | 4,735 |
| Net loans and leases to deposits | 63.9560% | 5,177 |
| Net loans and leases to core deposits | 65.1181% | 5,512 |
| Total domestic deposits to total assets | 88.6156% | 1,683 |
| Equity capital to assets | 7.9394% | 6,733 |
| Core capital (leverage) ratio | 7.8378% | 6,536 |
| Tier 1 risk-based capital ratio | 11.7354% | 6,078 |
| Total risk-based capital ratio | 12.9154% | 6,122 |
| Memoranda: | ||
| Average total assets | $162,522,750 | 3,630 |
| Average earning assets | $146,962,750 | 3,651 |
| Average equity | $12,789,500 | 4,384 |
| Average total loans | $95,540,500 | 3,769 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 6,319 |
| Cost of funding earning assets | 0.7650% | 5,593 |
| Net interest margin | 3.4174% | 5,496 |
| Noninterest income to average assets | 1.0328% | 1,242 |
| Noninterest expense to average assets | 3.2063% | 2,874 |
| Loan and lease loss provision to assets | 0.1115% | 4,906 |
| Net operating income to assets | 0.5957% | 4,085 |
| Return on assets (ROA) | 0.5957% | 4,219 |
| Pretax return on assets | 0.8075% | 3,997 |
| Return on Equity (ROE) | 7.5927% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.5927% | 1,619 |
| Net charge-offs to loans | 0.1322% | 4,421 |
| Credit loss provision to net charge-offs | 142.8571% | 2,134 |
| Earnings coverage of net charge-offs (x) | 11.7778% | 1,676 |
| Efficiency ratio | 77.7244% | 2,755 |
| Assets per employee ($millions) | 2.9134% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3794% | 1,626 |
| Loan loss allowance to noncurrent loans | 219.2308% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 5,607 |
| Noncurrent loans to loans | 1.0853% | 4,853 |
| Net loans and leases to total assets | 58.3779% | 4,563 |
| Net loans and leases to deposits | 66.0083% | 4,999 |
| Net loans and leases to core deposits | 67.2497% | 5,363 |
| Total domestic deposits to total assets | 88.4402% | 1,892 |
| Equity capital to assets | 8.0624% | 6,628 |
| Core capital (leverage) ratio | 7.9828% | 6,318 |
| Tier 1 risk-based capital ratio | 11.8414% | 5,905 |
| Total risk-based capital ratio | 13.1100% | 5,867 |
| Memoranda: | ||
| Average total assets | $161,495,670 | 3,663 |
| Average earning assets | $146,136,000 | 3,686 |
| Average equity | $12,670,000 | 4,408 |
| Average total loans | $95,336,670 | 3,810 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 6,331 |
| Cost of funding earning assets | 0.8142% | 5,502 |
| Net interest margin | 3.3633% | 5,570 |
| Noninterest income to average assets | 0.9795% | 1,389 |
| Noninterest expense to average assets | 3.1655% | 3,008 |
| Loan and lease loss provision to assets | 0.1110% | 4,625 |
| Net operating income to assets | 0.5305% | 4,348 |
| Return on assets (ROA) | 0.5305% | 4,432 |
| Pretax return on assets | 0.7402% | 4,144 |
| Return on Equity (ROE) | 6.8550% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.8550% | 2,211 |
| Net charge-offs to loans | -0.0505% | 6,889 |
| Credit loss provision to net charge-offs | -375.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8084% | 2,714 |
| Assets per employee ($millions) | 3.0693% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,510 |
| Loan loss allowance to noncurrent loans | 202.8095% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 4,913 |
| Noncurrent loans to loans | 1.2152% | 4,653 |
| Net loans and leases to total assets | 55.1577% | 5,134 |
| Net loans and leases to deposits | 62.4251% | 5,450 |
| Net loans and leases to core deposits | 63.3350% | 5,801 |
| Total domestic deposits to total assets | 88.3583% | 2,166 |
| Equity capital to assets | 7.6342% | 6,794 |
| Core capital (leverage) ratio | 7.8298% | 6,436 |
| Tier 1 risk-based capital ratio | 11.3966% | 6,177 |
| Total risk-based capital ratio | 12.6657% | 6,156 |
| Memoranda: | ||
| Average total assets | $162,125,000 | 3,666 |
| Average earning assets | $146,402,500 | 3,709 |
| Average equity | $12,545,500 | 4,430 |
| Average total loans | $95,093,500 | 3,853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 5,315 |
| Cost of funding earning assets | 1.0488% | 5,434 |
| Net interest margin | 3.7815% | 4,019 |
| Noninterest income to average assets | 1.1346% | 1,146 |
| Noninterest expense to average assets | 3.4450% | 2,320 |
| Loan and lease loss provision to assets | -0.2496% | 7,628 |
| Net operating income to assets | 0.8606% | 2,550 |
| Return on assets (ROA) | 0.8606% | 2,693 |
| Pretax return on assets | 1.2783% | 1,993 |
| Return on Equity (ROE) | 10.7784% | 1,653 |
| Retained earnings to average equity (ytd only) | 7.0059% | 1,319 |
| Net charge-offs to loans | -0.4724% | 7,589 |
| Credit loss provision to net charge-offs | 83.0396% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0050% | 2,870 |
| Assets per employee ($millions) | 3.1702% | 5,735 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 1,638 |
| Loan loss allowance to noncurrent loans | 224.1791% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 5,099 |
| Noncurrent loans to loans | 1.0419% | 4,983 |
| Net loans and leases to total assets | 59.4320% | 4,769 |
| Net loans and leases to deposits | 68.6200% | 5,019 |
| Net loans and leases to core deposits | 69.4000% | 5,502 |
| Total domestic deposits to total assets | 86.6102% | 3,024 |
| Equity capital to assets | 7.8469% | 6,644 |
| Core capital (leverage) ratio | 8.0563% | 6,107 |
| Tier 1 risk-based capital ratio | 10.6888% | 6,578 |
| Total risk-based capital ratio | 11.9555% | 6,533 |
| Memoranda: | ||
| Average total assets | $151,061,000 | 3,855 |
| Average earning assets | $133,384,600 | 3,949 |
| Average equity | $12,061,200 | 4,586 |
| Average total loans | $96,108,400 | 3,894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 5,149 |
| Cost of funding earning assets | 1.0935% | 5,454 |
| Net interest margin | 3.8327% | 3,826 |
| Noninterest income to average assets | 1.2645% | 862 |
| Noninterest expense to average assets | 3.4771% | 2,088 |
| Loan and lease loss provision to assets | -0.3771% | 7,741 |
| Net operating income to assets | 1.0768% | 1,982 |
| Return on assets (ROA) | 1.0768% | 2,088 |
| Pretax return on assets | 1.5317% | 1,526 |
| Return on Equity (ROE) | 13.4255% | 1,154 |
| Retained earnings to average equity (ytd only) | 8.9689% | 1,065 |
| Net charge-offs to loans | -0.7818% | 7,697 |
| Credit loss provision to net charge-offs | 74.9556% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0724% | 3,133 |
| Assets per employee ($millions) | 3.1871% | 5,707 |
| Cash dividends to net income (ytd only)* | 33.1949% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3812% | 1,498 |
| Loan loss allowance to noncurrent loans | 271.9484% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 5,074 |
| Noncurrent loans to loans | 0.8756% | 5,473 |
| Net loans and leases to total assets | 59.6073% | 4,980 |
| Net loans and leases to deposits | 68.8125% | 5,308 |
| Net loans and leases to core deposits | 69.7744% | 5,771 |
| Total domestic deposits to total assets | 86.6228% | 2,739 |
| Equity capital to assets | 7.7802% | 6,944 |
| Core capital (leverage) ratio | 8.1868% | 6,063 |
| Tier 1 risk-based capital ratio | 10.6923% | 6,642 |
| Total risk-based capital ratio | 11.9600% | 6,606 |
| Memoranda: | ||
| Average total assets | $149,199,000 | 3,937 |
| Average earning assets | $131,078,000 | 4,044 |
| Average equity | $11,967,000 | 4,685 |
| Average total loans | $96,021,000 | 3,968 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 5,079 |
| Cost of funding earning assets | 1.1542% | 5,378 |
| Net interest margin | 3.8163% | 3,828 |
| Noninterest income to average assets | 1.2454% | 838 |
| Noninterest expense to average assets | 3.5182% | 1,989 |
| Loan and lease loss provision to assets | 0.1234% | 5,658 |
| Net operating income to assets | 0.6419% | 3,665 |
| Return on assets (ROA) | 0.6419% | 3,816 |
| Pretax return on assets | 0.9327% | 3,380 |
| Return on Equity (ROE) | 7.9166% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.9166% | 1,474 |
| Net charge-offs to loans | -0.0126% | 7,227 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9115% | 2,909 |
| Assets per employee ($millions) | 2.7548% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 1,513 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 4,896 |
| Noncurrent loans to loans | 0.8807% | 5,509 |
| Net loans and leases to total assets | 65.9486% | 3,846 |
| Net loans and leases to deposits | 77.1137% | 4,143 |
| Net loans and leases to core deposits | 78.3304% | 4,887 |
| Total domestic deposits to total assets | 85.5212% | 3,363 |
| Equity capital to assets | 8.4195% | 6,271 |
| Core capital (leverage) ratio | 8.4768% | 5,453 |
| Tier 1 risk-based capital ratio | 10.4250% | 6,743 |
| Total risk-based capital ratio | 11.6922% | 6,712 |
| Memoranda: | ||
| Average total assets | $145,814,330 | 4,034 |
| Average earning assets | $127,189,670 | 4,152 |
| Average equity | $11,823,330 | 4,727 |
| Average total loans | $95,593,670 | 4,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 5,449 |
| Cost of funding earning assets | 1.2139% | 5,322 |
| Net interest margin | 3.6888% | 4,310 |
| Noninterest income to average assets | 1.2672% | 764 |
| Noninterest expense to average assets | 3.5324% | 1,908 |
| Loan and lease loss provision to assets | 0.1224% | 5,358 |
| Net operating income to assets | 0.6064% | 3,865 |
| Return on assets (ROA) | 0.6064% | 4,017 |
| Pretax return on assets | 0.8104% | 3,821 |
| Return on Equity (ROE) | 7.6210% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.6210% | 1,873 |
| Net charge-offs to loans | -0.0253% | 7,135 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1108% | 2,703 |
| Assets per employee ($millions) | 2.8828% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3530% | 1,491 |
| Loan loss allowance to noncurrent loans | 261.3850% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 4,981 |
| Noncurrent loans to loans | 0.9002% | 5,517 |
| Net loans and leases to total assets | 62.8589% | 4,568 |
| Net loans and leases to deposits | 72.9560% | 4,913 |
| Net loans and leases to core deposits | 74.0687% | 5,494 |
| Total domestic deposits to total assets | 86.1600% | 3,059 |
| Equity capital to assets | 8.0368% | 6,614 |
| Core capital (leverage) ratio | 8.1527% | 5,989 |
| Tier 1 risk-based capital ratio | 10.1695% | 6,908 |
| Total risk-based capital ratio | 11.4356% | 6,884 |
| Memoranda: | ||
| Average total assets | $147,096,000 | 4,062 |
| Average earning assets | $127,521,000 | 4,199 |
| Average equity | $11,704,500 | 4,789 |
| Average total loans | $95,018,500 | 4,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 3,738 |
| Cost of funding earning assets | 1.4914% | 5,545 |
| Net interest margin | 4.0823% | 2,521 |
| Noninterest income to average assets | 0.9221% | 1,862 |
| Noninterest expense to average assets | 3.7909% | 1,715 |
| Loan and lease loss provision to assets | 2.1379% | 988 |
| Net operating income to assets | -0.7970% | 6,434 |
| Return on assets (ROA) | -0.7970% | 6,431 |
| Pretax return on assets | -1.4511% | 6,671 |
| Return on Equity (ROE) | -10.0399% | 6,626 |
| Retained earnings to average equity (ytd only) | -11.8760% | 6,672 |
| Net charge-offs to loans | 2.4730% | 931 |
| Credit loss provision to net charge-offs | 123.7449% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.3975% | 5,718 |
| Efficiency ratio | 84.6618% | 2,275 |
| Assets per employee ($millions) | 2.8302% | 6,605 |
| Cash dividends to net income (ytd only)* | -18.2872% | 7,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 1,512 |
| Loan loss allowance to noncurrent loans | 270.6468% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 5,680 |
| Noncurrent loans to loans | 0.8428% | 5,606 |
| Net loans and leases to total assets | 63.3401% | 4,743 |
| Net loans and leases to deposits | 74.6220% | 4,935 |
| Net loans and leases to core deposits | 82.2941% | 5,886 |
| Total domestic deposits to total assets | 84.8813% | 3,609 |
| Equity capital to assets | 7.8773% | 6,695 |
| Core capital (leverage) ratio | 8.0556% | 6,072 |
| Tier 1 risk-based capital ratio | 9.8168% | 7,008 |
| Total risk-based capital ratio | 11.0735% | 6,988 |
| Memoranda: | ||
| Average total assets | $140,652,200 | 4,110 |
| Average earning assets | $122,503,000 | 4,258 |
| Average equity | $11,165,400 | 4,972 |
| Average total loans | $98,262,000 | 3,997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,486 |
| Cost of funding earning assets | 1.5249% | 5,731 |
| Net interest margin | 4.1428% | 2,237 |
| Noninterest income to average assets | 1.3762% | 798 |
| Noninterest expense to average assets | 3.8726% | 1,473 |
| Loan and lease loss provision to assets | 0.2283% | 5,148 |
| Net operating income to assets | 0.6330% | 3,486 |
| Return on assets (ROA) | 0.6330% | 3,552 |
| Pretax return on assets | 0.8996% | 3,228 |
| Return on Equity (ROE) | 7.9575% | 2,657 |
| Retained earnings to average equity (ytd only) | 5.4858% | 2,210 |
| Net charge-offs to loans | 0.2236% | 4,648 |
| Credit loss provision to net charge-offs | 143.3735% | 3,415 |
| Earnings coverage of net charge-offs (x) | 7.0843% | 2,476 |
| Efficiency ratio | 77.4453% | 3,247 |
| Assets per employee ($millions) | 2.7137% | 6,821 |
| Cash dividends to net income (ytd only)* | 31.0609% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 2,640 |
| Loan loss allowance to noncurrent loans | 79.8376% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 3,068 |
| Noncurrent loans to loans | 2.1269% | 3,474 |
| Net loans and leases to total assets | 67.2577% | 4,128 |
| Net loans and leases to deposits | 80.4294% | 4,314 |
| Net loans and leases to core deposits | 88.9467% | 5,533 |
| Total domestic deposits to total assets | 83.6233% | 3,892 |
| Equity capital to assets | 7.8386% | 7,001 |
| Core capital (leverage) ratio | 8.0874% | 6,206 |
| Tier 1 risk-based capital ratio | 9.0946% | 7,583 |
| Total risk-based capital ratio | 10.3531% | 7,588 |
| Memoranda: | ||
| Average total assets | $139,023,000 | 4,160 |
| Average earning assets | $121,621,750 | 4,307 |
| Average equity | $11,058,500 | 5,054 |
| Average total loans | $98,979,250 | 4,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7666% | 3,211 |
| Cost of funding earning assets | 1.5633% | 5,869 |
| Net interest margin | 4.2033% | 1,987 |
| Noninterest income to average assets | 1.5092% | 650 |
| Noninterest expense to average assets | 4.0052% | 1,310 |
| Loan and lease loss provision to assets | 0.1310% | 5,783 |
| Net operating income to assets | 0.7175% | 3,175 |
| Return on assets (ROA) | 0.7175% | 3,282 |
| Pretax return on assets | 1.0435% | 2,832 |
| Return on Equity (ROE) | 8.9745% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.1529% | 1,948 |
| Net charge-offs to loans | 0.3348% | 3,500 |
| Credit loss provision to net charge-offs | 54.2169% | 5,695 |
| Earnings coverage of net charge-offs (x) | 4.8614% | 2,981 |
| Efficiency ratio | 77.3251% | 3,450 |
| Assets per employee ($millions) | 2.4797% | 7,289 |
| Cash dividends to net income (ytd only)* | 31.4402% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 2,973 |
| Loan loss allowance to noncurrent loans | 115.0302% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.8446% | 3,410 |
| Noncurrent loans to loans | 1.3429% | 4,527 |
| Net loans and leases to total assets | 72.4922% | 3,090 |
| Net loans and leases to deposits | 87.8326% | 3,198 |
| Net loans and leases to core deposits | 98.1933% | 4,679 |
| Total domestic deposits to total assets | 82.5345% | 4,459 |
| Equity capital to assets | 8.3321% | 6,290 |
| Core capital (leverage) ratio | 7.9465% | 6,425 |
| Tier 1 risk-based capital ratio | 9.0355% | 7,682 |
| Total risk-based capital ratio | 10.2689% | 7,702 |
| Memoranda: | ||
| Average total assets | $137,422,000 | 4,228 |
| Average earning assets | $120,001,000 | 4,365 |
| Average equity | $10,986,670 | 5,089 |
| Average total loans | $99,170,670 | 4,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 3,622 |
| Cost of funding earning assets | 1.5471% | 6,244 |
| Net interest margin | 4.1867% | 1,948 |
| Noninterest income to average assets | 1.4456% | 671 |
| Noninterest expense to average assets | 3.9000% | 1,311 |
| Loan and lease loss provision to assets | 0.1293% | 5,300 |
| Net operating income to assets | 0.7329% | 3,415 |
| Return on assets (ROA) | 0.7329% | 3,606 |
| Pretax return on assets | 1.0950% | 3,004 |
| Return on Equity (ROE) | 9.3565% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.0542% | 2,600 |
| Net charge-offs to loans | 0.0322% | 5,069 |
| Credit loss provision to net charge-offs | 562.5000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 687 |
| Efficiency ratio | 76.1077% | 3,472 |
| Assets per employee ($millions) | 2.6401% | 6,998 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 2,378 |
| Loan loss allowance to noncurrent loans | 501.8405% | 694 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 4,587 |
| Noncurrent loans to loans | 0.3261% | 6,621 |
| Net loans and leases to total assets | 70.2731% | 3,613 |
| Net loans and leases to deposits | 82.8690% | 4,151 |
| Net loans and leases to core deposits | 92.1754% | 5,328 |
| Total domestic deposits to total assets | 84.8003% | 3,301 |
| Equity capital to assets | 7.8500% | 7,007 |
| Core capital (leverage) ratio | 7.8963% | 6,627 |
| Tier 1 risk-based capital ratio | 8.9968% | 7,792 |
| Total risk-based capital ratio | 10.2557% | 7,820 |
| Memoranda: | ||
| Average total assets | $139,181,000 | 4,203 |
| Average earning assets | $122,291,000 | 4,325 |
| Average equity | $10,901,500 | 5,133 |
| Average total loans | $99,459,500 | 4,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1714% | 4,662 |
| Cost of funding earning assets | 2.1731% | 5,714 |
| Net interest margin | 3.9983% | 3,119 |
| Noninterest income to average assets | 1.0947% | 1,315 |
| Noninterest expense to average assets | 3.3948% | 2,695 |
| Loan and lease loss provision to assets | 1.7594% | 722 |
| Net operating income to assets | -0.3055% | 6,738 |
| Return on assets (ROA) | -0.3055% | 6,605 |
| Pretax return on assets | -0.5639% | 6,703 |
| Return on Equity (ROE) | -4.1034% | 6,758 |
| Retained earnings to average equity (ytd only) | -6.3287% | 6,703 |
| Net charge-offs to loans | 2.2875% | 448 |
| Credit loss provision to net charge-offs | 114.0464% | 4,733 |
| Earnings coverage of net charge-offs (x) | 0.7749% | 5,764 |
| Efficiency ratio | 73.9570% | 3,582 |
| Assets per employee ($millions) | 2.5637% | 7,078 |
| Cash dividends to net income (ytd only)* | -54.2299% | 8,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 2,178 |
| Loan loss allowance to noncurrent loans | 149.4393% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 3,596 |
| Noncurrent loans to loans | 1.0813% | 4,405 |
| Net loans and leases to total assets | 70.3239% | 3,946 |
| Net loans and leases to deposits | 83.5687% | 4,489 |
| Net loans and leases to core deposits | 93.3494% | 5,509 |
| Total domestic deposits to total assets | 84.1510% | 3,242 |
| Equity capital to assets | 7.8151% | 7,077 |
| Core capital (leverage) ratio | 7.6138% | 7,059 |
| Tier 1 risk-based capital ratio | 9.2740% | 7,547 |
| Total risk-based capital ratio | 10.5324% | 7,464 |
| Memoranda: | ||
| Average total assets | $150,907,400 | 3,881 |
| Average earning assets | $131,931,800 | 4,013 |
| Average equity | $11,234,600 | 5,054 |
| Average total loans | $101,769,000 | 3,899 |