Home > Madison County Bank > Performance and Condition Ratios
Madison County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 3,169 |
| Cost of funding earning assets | 2.7005% | 248 |
| Net interest margin | 1.7597% | 4,462 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 1.6083% | 4,242 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5343% | 3,600 |
| Return on assets (ROA) | 0.5343% | 3,586 |
| Pretax return on assets | 0.5309% | 3,760 |
| Return on Equity (ROE) | 3.8400% | 3,910 |
| Retained earnings to average equity (ytd only) | 1.8166% | 3,619 |
| Net charge-offs to loans | -0.0014% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.7947% | 1,482 |
| Assets per employee ($millions) | 11.2899% | 495 |
| Cash dividends to net income (ytd only)* | 52.6905% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,403 |
| Loan loss allowance to noncurrent loans | 778.0488% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 2,625 |
| Noncurrent loans to loans | 0.1794% | 2,619 |
| Net loans and leases to total assets | 73.9100% | 1,377 |
| Net loans and leases to deposits | 100.8902% | 488 |
| Net loans and leases to core deposits | 100.9476% | 1,377 |
| Total domestic deposits to total assets | 73.2600% | 4,150 |
| Equity capital to assets | 13.9266% | 696 |
| Core capital (leverage) ratio | 14.1739% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6417% | 827 |
| Memoranda: | ||
| Average total assets | $601,763,800 | 1,475 |
| Average earning assets | $559,076,000 | 1,470 |
| Average equity | $83,725,600 | 1,094 |
| Average total loans | $435,746,600 | 1,380 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 3,094 |
| Cost of funding earning assets | 2.6319% | 226 |
| Net interest margin | 1.7719% | 4,487 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.6112% | 4,231 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.4417% | 3,889 |
| Return on assets (ROA) | 0.4417% | 3,890 |
| Pretax return on assets | 0.4341% | 4,014 |
| Return on Equity (ROE) | 3.1800% | 4,082 |
| Retained earnings to average equity (ytd only) | 1.5454% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.3719% | 984 |
| Assets per employee ($millions) | 10.2500% | 615 |
| Cash dividends to net income (ytd only)* | 51.3337% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,289 |
| Loan loss allowance to noncurrent loans | 773.7546% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 2,641 |
| Noncurrent loans to loans | 0.1861% | 2,618 |
| Net loans and leases to total assets | 73.3200% | 1,432 |
| Net loans and leases to deposits | 94.5398% | 861 |
| Net loans and leases to core deposits | 94.6946% | 1,637 |
| Total domestic deposits to total assets | 77.5600% | 3,872 |
| Equity capital to assets | 14.0532% | 644 |
| Core capital (leverage) ratio | 14.3096% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8641% | 832 |
| Memoranda: | ||
| Average total assets | $599,785,750 | 1,474 |
| Average earning assets | $557,865,750 | 1,471 |
| Average equity | $83,431,000 | 1,093 |
| Average total loans | $430,435,750 | 1,385 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 2,985 |
| Cost of funding earning assets | 2.5287% | 184 |
| Net interest margin | 1.8297% | 4,533 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.6241% | 4,235 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4339% | 3,935 |
| Return on assets (ROA) | 0.4339% | 3,943 |
| Pretax return on assets | 0.4306% | 4,072 |
| Return on Equity (ROE) | 3.1300% | 4,138 |
| Retained earnings to average equity (ytd only) | 0.6835% | 3,962 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.6726% | 1,026 |
| Assets per employee ($millions) | 9.0032% | 906 |
| Cash dividends to net income (ytd only)* | 78.1609% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,163 |
| Loan loss allowance to noncurrent loans | 822.2930% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,610 |
| Noncurrent loans to loans | 0.1830% | 2,556 |
| Net loans and leases to total assets | 72.1800% | 1,509 |
| Net loans and leases to deposits | 87.5651% | 1,385 |
| Net loans and leases to core deposits | 87.6108% | 1,956 |
| Total domestic deposits to total assets | 82.4300% | 3,149 |
| Equity capital to assets | 14.2488% | 613 |
| Core capital (leverage) ratio | 14.1535% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4195% | 770 |
| Memoranda: | ||
| Average total assets | $601,547,667 | 1,471 |
| Average earning assets | $560,521,333 | 1,459 |
| Average equity | $83,392,667 | 1,090 |
| Average total loans | $426,491,000 | 1,382 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,880 |
| Cost of funding earning assets | 2.3961% | 119 |
| Net interest margin | 1.8716% | 4,595 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.5614% | 4,342 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4979% | 3,905 |
| Return on assets (ROA) | 0.4979% | 3,870 |
| Pretax return on assets | 0.5025% | 3,984 |
| Return on Equity (ROE) | 3.6400% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.5708% | 3,941 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.6546% | 1,374 |
| Assets per employee ($millions) | 9.7378% | 754 |
| Cash dividends to net income (ytd only)* | 84.3215% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,155 |
| Loan loss allowance to noncurrent loans | 897.7747% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,715 |
| Noncurrent loans to loans | 0.1712% | 2,627 |
| Net loans and leases to total assets | 66.3400% | 2,025 |
| Net loans and leases to deposits | 79.3869% | 1,860 |
| Net loans and leases to core deposits | 79.4253% | 2,294 |
| Total domestic deposits to total assets | 83.5600% | 3,184 |
| Equity capital to assets | 13.3722% | 686 |
| Core capital (leverage) ratio | 13.3640% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6525% | 780 |
| Memoranda: | ||
| Average total assets | $609,718,500 | 1,473 |
| Average earning assets | $568,925,500 | 1,468 |
| Average equity | $83,396,500 | 1,101 |
| Average total loans | $425,306,000 | 1,402 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 2,439 |
| Cost of funding earning assets | 1.1411% | 87 |
| Net interest margin | 2.5960% | 4,180 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.7376% | 4,107 |
| Loan and lease loss provision to assets | -0.4500% | 4,689 |
| Net operating income to assets | 1.3539% | 1,269 |
| Return on assets (ROA) | 1.3539% | 1,227 |
| Pretax return on assets | 1.6163% | 1,126 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.8127% | 3,135 |
| Net charge-offs to loans | 0.0003% | 2,609 |
| Credit loss provision to net charge-offs | -262,500.0000% | 4,726 |
| Earnings coverage of net charge-offs (x) | 6,769.0000% | 21 |
| Efficiency ratio | 59.3431% | 3,145 |
| Assets per employee ($millions) | 8.7679% | 990 |
| Cash dividends to net income (ytd only)* | 49.4218% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,238 |
| Loan loss allowance to noncurrent loans | 982.3620% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 2,758 |
| Noncurrent loans to loans | 0.1514% | 2,740 |
| Net loans and leases to total assets | 71.1700% | 1,505 |
| Net loans and leases to deposits | 85.9362% | 1,319 |
| Net loans and leases to core deposits | 85.9362% | 1,755 |
| Total domestic deposits to total assets | 82.8200% | 3,458 |
| Equity capital to assets | 13.9973% | 579 |
| Core capital (leverage) ratio | 13.8074% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1469% | 811 |
| Memoranda: | ||
| Average total assets | $581,212,600 | 1,536 |
| Average earning assets | $540,723,800 | 1,519 |
| Average equity | $82,697,800 | 1,102 |
| Average total loans | $397,729,600 | 1,400 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 2,471 |
| Cost of funding earning assets | 0.8867% | 110 |
| Net interest margin | 2.6604% | 4,006 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.7531% | 4,072 |
| Loan and lease loss provision to assets | -0.6100% | 4,736 |
| Net operating income to assets | 1.5211% | 803 |
| Return on assets (ROA) | 1.5211% | 781 |
| Pretax return on assets | 1.8157% | 707 |
| Return on Equity (ROE) | 10.6500% | 2,525 |
| Retained earnings to average equity (ytd only) | 6.5882% | 2,525 |
| Net charge-offs to loans | 0.0003% | 2,339 |
| Credit loss provision to net charge-offs | -262,500.0000% | 4,765 |
| Earnings coverage of net charge-offs (x) | 5,239.0000% | 21 |
| Efficiency ratio | 58.6347% | 3,311 |
| Assets per employee ($millions) | 8.9778% | 898 |
| Cash dividends to net income (ytd only)* | 38.1148% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,155 |
| Loan loss allowance to noncurrent loans | 484.4932% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 2,139 |
| Noncurrent loans to loans | 0.3215% | 2,087 |
| Net loans and leases to total assets | 67.3000% | 1,754 |
| Net loans and leases to deposits | 81.2297% | 1,504 |
| Net loans and leases to core deposits | 81.3209% | 1,811 |
| Total domestic deposits to total assets | 82.8500% | 3,716 |
| Equity capital to assets | 13.8825% | 574 |
| Core capital (leverage) ratio | 14.0144% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5786% | 913 |
| Memoranda: | ||
| Average total assets | $577,460,750 | 1,555 |
| Average earning assets | $537,389,500 | 1,547 |
| Average equity | $82,508,500 | 1,116 |
| Average total loans | $389,478,500 | 1,416 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 2,412 |
| Cost of funding earning assets | 0.7081% | 154 |
| Net interest margin | 2.6991% | 3,700 |
| Noninterest income to average assets | 0.4843% | 2,285 |
| Noninterest expense to average assets | 1.7768% | 4,011 |
| Loan and lease loss provision to assets | -0.3512% | 4,736 |
| Net operating income to assets | 1.3462% | 1,030 |
| Return on assets (ROA) | 1.3462% | 1,010 |
| Pretax return on assets | 1.5703% | 1,005 |
| Return on Equity (ROE) | 9.3287% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.2107% | 2,629 |
| Net charge-offs to loans | 0.0005% | 2,144 |
| Credit loss provision to net charge-offs | -100,000.0000% | 3,923 |
| Earnings coverage of net charge-offs (x) | 3,471.0000% | 21 |
| Efficiency ratio | 58.7456% | 3,463 |
| Assets per employee ($millions) | 8.7396% | 978 |
| Cash dividends to net income (ytd only)* | 44.1430% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 529 |
| Loan loss allowance to noncurrent loans | 496.2917% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 1,925 |
| Noncurrent loans to loans | 0.4068% | 1,908 |
| Net loans and leases to total assets | 66.5501% | 1,627 |
| Net loans and leases to deposits | 80.5261% | 1,346 |
| Net loans and leases to core deposits | 80.7865% | 1,671 |
| Total domestic deposits to total assets | 82.6442% | 3,924 |
| Equity capital to assets | 14.0300% | 510 |
| Core capital (leverage) ratio | 14.0342% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6153% | 906 |
| Memoranda: | ||
| Average total assets | $569,443,667 | 1,579 |
| Average earning assets | $529,888,333 | 1,584 |
| Average equity | $82,176,333 | 1,134 |
| Average total loans | $382,230,667 | 1,432 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 2,388 |
| Cost of funding earning assets | 0.6830% | 166 |
| Net interest margin | 2.6169% | 3,618 |
| Noninterest income to average assets | 0.5066% | 2,112 |
| Noninterest expense to average assets | 1.8126% | 3,909 |
| Loan and lease loss provision to assets | -0.7125% | 4,775 |
| Net operating income to assets | 1.5640% | 558 |
| Return on assets (ROA) | 1.5640% | 553 |
| Pretax return on assets | 1.8390% | 504 |
| Return on Equity (ROE) | 10.6828% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.6848% | 1,677 |
| Net charge-offs to loans | 0.0011% | 1,803 |
| Credit loss provision to net charge-offs | -100,000.0000% | 3,629 |
| Earnings coverage of net charge-offs (x) | 1,581.0000% | 44 |
| Efficiency ratio | 61.0182% | 3,375 |
| Assets per employee ($millions) | 9.0786% | 885 |
| Cash dividends to net income (ytd only)* | 28.0638% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 489 |
| Loan loss allowance to noncurrent loans | 988.9163% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 2,828 |
| Noncurrent loans to loans | 0.2168% | 2,734 |
| Net loans and leases to total assets | 62.1014% | 1,846 |
| Net loans and leases to deposits | 76.7267% | 1,385 |
| Net loans and leases to core deposits | 76.9779% | 1,705 |
| Total domestic deposits to total assets | 80.9385% | 4,203 |
| Equity capital to assets | 13.9406% | 535 |
| Core capital (leverage) ratio | 14.2964% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0068% | 902 |
| Memoranda: | ||
| Average total assets | $561,390,000 | 1,598 |
| Average earning assets | $521,842,000 | 1,609 |
| Average equity | $82,188,000 | 1,168 |
| Average total loans | $374,488,500 | 1,446 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 1,177 |
| Cost of funding earning assets | 0.6662% | 381 |
| Net interest margin | 3.4240% | 1,952 |
| Noninterest income to average assets | 0.7147% | 1,712 |
| Noninterest expense to average assets | 2.1227% | 3,328 |
| Loan and lease loss provision to assets | -0.1418% | 4,614 |
| Net operating income to assets | 1.5359% | 942 |
| Return on assets (ROA) | 1.5359% | 983 |
| Pretax return on assets | 1.8767% | 772 |
| Return on Equity (ROE) | 9.4018% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.4776% | 3,016 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5435% | 3,867 |
| Assets per employee ($millions) | 8.0707% | 1,298 |
| Cash dividends to net income (ytd only)* | 52.3747% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4116% | 316 |
| Loan loss allowance to noncurrent loans | 12,371.2329% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,001 |
| Noncurrent loans to loans | 0.0195% | 3,932 |
| Net loans and leases to total assets | 68.6071% | 1,198 |
| Net loans and leases to deposits | 87.1338% | 705 |
| Net loans and leases to core deposits | 87.5232% | 1,108 |
| Total domestic deposits to total assets | 78.7376% | 4,338 |
| Equity capital to assets | 15.4150% | 444 |
| Core capital (leverage) ratio | 15.3094% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0787% | 881 |
| Memoranda: | ||
| Average total assets | $493,518,200 | 1,710 |
| Average earning assets | $453,005,000 | 1,732 |
| Average equity | $80,623,000 | 1,202 |
| Average total loans | $353,150,800 | 1,506 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 1,973 |
| Cost of funding earning assets | 0.6596% | 476 |
| Net interest margin | 3.1610% | 2,854 |
| Noninterest income to average assets | 1.1326% | 885 |
| Noninterest expense to average assets | 2.0733% | 3,444 |
| Loan and lease loss provision to assets | -0.1929% | 4,744 |
| Net operating income to assets | 1.7497% | 743 |
| Return on assets (ROA) | 1.7497% | 776 |
| Pretax return on assets | 2.1488% | 611 |
| Return on Equity (ROE) | 10.5466% | 2,538 |
| Retained earnings to average equity (ytd only) | 5.6521% | 2,979 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9782% | 4,124 |
| Assets per employee ($millions) | 8.2569% | 1,151 |
| Cash dividends to net income (ytd only)* | 46.4083% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5621% | 264 |
| Loan loss allowance to noncurrent loans | 12,204.0541% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,124 |
| Noncurrent loans to loans | 0.0210% | 4,045 |
| Net loans and leases to total assets | 66.0259% | 1,544 |
| Net loans and leases to deposits | 84.1519% | 952 |
| Net loans and leases to core deposits | 84.5382% | 1,386 |
| Total domestic deposits to total assets | 78.4603% | 4,380 |
| Equity capital to assets | 15.7369% | 444 |
| Core capital (leverage) ratio | 16.7510% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1628% | 678 |
| Memoranda: | ||
| Average total assets | $483,730,750 | 1,757 |
| Average earning assets | $443,267,750 | 1,778 |
| Average equity | $80,251,000 | 1,225 |
| Average total loans | $347,818,750 | 1,553 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 1,930 |
| Cost of funding earning assets | 0.6529% | 562 |
| Net interest margin | 3.2040% | 2,745 |
| Noninterest income to average assets | 1.1230% | 901 |
| Noninterest expense to average assets | 2.1142% | 3,345 |
| Loan and lease loss provision to assets | -0.2969% | 4,834 |
| Net operating income to assets | 1.8237% | 679 |
| Return on assets (ROA) | 1.8237% | 709 |
| Pretax return on assets | 2.2384% | 538 |
| Return on Equity (ROE) | 10.7885% | 2,503 |
| Retained earnings to average equity (ytd only) | 6.0892% | 2,764 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6156% | 4,082 |
| Assets per employee ($millions) | 7.7959% | 1,309 |
| Cash dividends to net income (ytd only)* | 43.5581% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 269 |
| Loan loss allowance to noncurrent loans | 1,306.9465% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 3,314 |
| Noncurrent loans to loans | 0.1940% | 3,259 |
| Net loans and leases to total assets | 70.6967% | 1,127 |
| Net loans and leases to deposits | 91.5734% | 564 |
| Net loans and leases to core deposits | 92.0258% | 1,004 |
| Total domestic deposits to total assets | 77.2022% | 4,502 |
| Equity capital to assets | 16.4678% | 376 |
| Core capital (leverage) ratio | 16.5347% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1578% | 790 |
| Memoranda: | ||
| Average total assets | $471,579,667 | 1,780 |
| Average earning assets | $431,645,333 | 1,809 |
| Average equity | $79,714,333 | 1,227 |
| Average total loans | $346,262,667 | 1,572 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 1,777 |
| Cost of funding earning assets | 0.6481% | 705 |
| Net interest margin | 3.2747% | 2,467 |
| Noninterest income to average assets | 0.8731% | 1,401 |
| Noninterest expense to average assets | 2.1698% | 3,202 |
| Loan and lease loss provision to assets | -0.6063% | 4,936 |
| Net operating income to assets | 1.8657% | 701 |
| Return on assets (ROA) | 1.8657% | 752 |
| Pretax return on assets | 2.2945% | 595 |
| Return on Equity (ROE) | 10.8882% | 2,396 |
| Retained earnings to average equity (ytd only) | 6.8645% | 2,621 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9048% | 3,557 |
| Assets per employee ($millions) | 7.5128% | 1,445 |
| Cash dividends to net income (ytd only)* | 36.9545% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6718% | 207 |
| Loan loss allowance to noncurrent loans | 2,170.9135% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,753 |
| Noncurrent loans to loans | 0.1231% | 3,698 |
| Net loans and leases to total assets | 69.5060% | 1,357 |
| Net loans and leases to deposits | 90.6582% | 665 |
| Net loans and leases to core deposits | 91.1261% | 1,161 |
| Total domestic deposits to total assets | 76.6682% | 4,545 |
| Equity capital to assets | 16.8508% | 326 |
| Core capital (leverage) ratio | 17.2371% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9944% | 790 |
| Memoranda: | ||
| Average total assets | $461,800,000 | 1,801 |
| Average earning assets | $420,920,000 | 1,836 |
| Average equity | $79,131,500 | 1,219 |
| Average total loans | $341,269,000 | 1,592 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,222 |
| Cost of funding earning assets | 0.7810% | 1,296 |
| Net interest margin | 3.7570% | 1,622 |
| Noninterest income to average assets | 0.8965% | 1,276 |
| Noninterest expense to average assets | 2.3768% | 3,184 |
| Loan and lease loss provision to assets | 0.0012% | 4,313 |
| Net operating income to assets | 1.5790% | 669 |
| Return on assets (ROA) | 1.5790% | 728 |
| Pretax return on assets | 1.9439% | 510 |
| Return on Equity (ROE) | 8.9380% | 2,423 |
| Retained earnings to average equity (ytd only) | 4.5590% | 2,503 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2056% | 4,193 |
| Assets per employee ($millions) | 7.1475% | 1,479 |
| Cash dividends to net income (ytd only)* | 48.9927% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8244% | 176 |
| Loan loss allowance to noncurrent loans | 8,042.1488% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,240 |
| Noncurrent loans to loans | 0.0351% | 4,164 |
| Net loans and leases to total assets | 74.3514% | 976 |
| Net loans and leases to deposits | 102.6430% | 297 |
| Net loans and leases to core deposits | 103.2317% | 759 |
| Total domestic deposits to total assets | 72.4368% | 4,696 |
| Equity capital to assets | 17.4346% | 303 |
| Core capital (leverage) ratio | 17.6696% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7963% | 794 |
| Memoranda: | ||
| Average total assets | $433,812,400 | 1,749 |
| Average earning assets | $395,529,200 | 1,782 |
| Average equity | $76,638,800 | 1,200 |
| Average total loans | $335,487,000 | 1,554 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 1,277 |
| Cost of funding earning assets | 0.8199% | 1,398 |
| Net interest margin | 3.7888% | 1,652 |
| Noninterest income to average assets | 0.9178% | 1,179 |
| Noninterest expense to average assets | 2.2865% | 3,456 |
| Loan and lease loss provision to assets | 0.0775% | 3,349 |
| Net operating income to assets | 1.6315% | 675 |
| Return on assets (ROA) | 1.6315% | 744 |
| Pretax return on assets | 2.0153% | 505 |
| Return on Equity (ROE) | 9.2035% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.7225% | 2,683 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4099% | 4,387 |
| Assets per employee ($millions) | 7.1605% | 1,394 |
| Cash dividends to net income (ytd only)* | 48.6877% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9462% | 146 |
| Loan loss allowance to noncurrent loans | 7,917.4603% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,320 |
| Noncurrent loans to loans | 0.0372% | 4,240 |
| Net loans and leases to total assets | 75.2374% | 1,200 |
| Net loans and leases to deposits | 106.9847% | 291 |
| Net loans and leases to core deposits | 107.7126% | 778 |
| Total domestic deposits to total assets | 70.3254% | 4,745 |
| Equity capital to assets | 17.7656% | 319 |
| Core capital (leverage) ratio | 17.5493% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9132% | 793 |
| Memoranda: | ||
| Average total assets | $429,692,250 | 1,745 |
| Average earning assets | $392,581,500 | 1,768 |
| Average equity | $76,171,750 | 1,202 |
| Average total loans | $333,226,250 | 1,564 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 1,455 |
| Cost of funding earning assets | 0.8835% | 1,449 |
| Net interest margin | 3.7931% | 1,855 |
| Noninterest income to average assets | 0.9164% | 1,131 |
| Noninterest expense to average assets | 2.1576% | 3,908 |
| Loan and lease loss provision to assets | 0.0819% | 3,261 |
| Net operating income to assets | 1.7420% | 570 |
| Return on assets (ROA) | 1.7420% | 620 |
| Pretax return on assets | 2.1529% | 394 |
| Return on Equity (ROE) | 9.8340% | 2,036 |
| Retained earnings to average equity (ytd only) | 5.9844% | 2,089 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2898% | 4,610 |
| Assets per employee ($millions) | 7.3183% | 1,267 |
| Cash dividends to net income (ytd only)* | 39.1456% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9462% | 139 |
| Loan loss allowance to noncurrent loans | 888.7792% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 3,278 |
| Noncurrent loans to loans | 0.3315% | 3,203 |
| Net loans and leases to total assets | 75.5378% | 1,202 |
| Net loans and leases to deposits | 104.8369% | 351 |
| Net loans and leases to core deposits | 105.5394% | 907 |
| Total domestic deposits to total assets | 72.0527% | 4,704 |
| Equity capital to assets | 17.8667% | 310 |
| Core capital (leverage) ratio | 17.7186% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1317% | 757 |
| Memoranda: | ||
| Average total assets | $427,327,000 | 1,724 |
| Average earning assets | $391,606,667 | 1,752 |
| Average equity | $75,696,333 | 1,198 |
| Average total loans | $331,433,667 | 1,548 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,369 |
| Cost of funding earning assets | 1.0777% | 1,107 |
| Net interest margin | 3.7436% | 2,166 |
| Noninterest income to average assets | 0.7132% | 1,598 |
| Noninterest expense to average assets | 2.3016% | 3,768 |
| Loan and lease loss provision to assets | 0.0941% | 2,503 |
| Net operating income to assets | 1.4255% | 932 |
| Return on assets (ROA) | 1.4255% | 1,005 |
| Pretax return on assets | 1.7464% | 778 |
| Return on Equity (ROE) | 8.0830% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.3483% | 2,557 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6115% | 4,348 |
| Assets per employee ($millions) | 7.1312% | 1,032 |
| Cash dividends to net income (ytd only)* | 46.2046% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9880% | 150 |
| Loan loss allowance to noncurrent loans | 623.4772% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 2,945 |
| Noncurrent loans to loans | 0.4792% | 2,818 |
| Net loans and leases to total assets | 75.8251% | 1,329 |
| Net loans and leases to deposits | 108.1668% | 225 |
| Net loans and leases to core deposits | 108.9310% | 904 |
| Total domestic deposits to total assets | 70.1002% | 4,852 |
| Equity capital to assets | 17.9694% | 358 |
| Core capital (leverage) ratio | 17.5393% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1164% | 852 |
| Memoranda: | ||
| Average total assets | $425,100,500 | 1,693 |
| Average earning assets | $389,354,000 | 1,708 |
| Average equity | $74,972,000 | 1,202 |
| Average total loans | $329,121,500 | 1,527 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 1,928 |
| Cost of funding earning assets | 1.5049% | 390 |
| Net interest margin | 3.3334% | 3,907 |
| Noninterest income to average assets | 0.7083% | 1,784 |
| Noninterest expense to average assets | 2.1098% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3796% | 1,412 |
| Return on assets (ROA) | 1.3796% | 1,490 |
| Pretax return on assets | 1.6830% | 1,240 |
| Return on Equity (ROE) | 7.9638% | 3,180 |
| Retained earnings to average equity (ytd only) | 4.0432% | 2,940 |
| Net charge-offs to loans | -0.0003% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5712% | 4,367 |
| Assets per employee ($millions) | 7.6690% | 807 |
| Cash dividends to net income (ytd only)* | 49.2308% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 131 |
| Loan loss allowance to noncurrent loans | 450.6951% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 2,406 |
| Noncurrent loans to loans | 0.6551% | 2,252 |
| Net loans and leases to total assets | 74.4339% | 1,676 |
| Net loans and leases to deposits | 107.7329% | 232 |
| Net loans and leases to core deposits | 108.4875% | 941 |
| Total domestic deposits to total assets | 69.0912% | 4,966 |
| Equity capital to assets | 17.3100% | 430 |
| Core capital (leverage) ratio | 17.1927% | 394 |
| Tier 1 risk-based capital ratio | 19.0075% | 1,513 |
| Total risk-based capital ratio | 20.2735% | 1,481 |
| Memoranda: | ||
| Average total assets | $419,320,600 | 1,672 |
| Average earning assets | $388,010,600 | 1,675 |
| Average equity | $72,641,200 | 1,189 |
| Average total loans | $322,837,000 | 1,519 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 2,000 |
| Cost of funding earning assets | 1.5788% | 323 |
| Net interest margin | 3.2616% | 4,165 |
| Noninterest income to average assets | 0.6484% | 1,995 |
| Noninterest expense to average assets | 1.9674% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4028% | 1,461 |
| Return on assets (ROA) | 1.4028% | 1,517 |
| Pretax return on assets | 1.7086% | 1,316 |
| Return on Equity (ROE) | 8.0958% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.3756% | 3,210 |
| Net charge-offs to loans | -0.0004% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4062% | 4,565 |
| Assets per employee ($millions) | 7.2772% | 916 |
| Cash dividends to net income (ytd only)* | 45.9521% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9865% | 132 |
| Loan loss allowance to noncurrent loans | 451.3225% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 2,483 |
| Noncurrent loans to loans | 0.6617% | 2,303 |
| Net loans and leases to total assets | 74.8523% | 1,674 |
| Net loans and leases to deposits | 107.3524% | 281 |
| Net loans and leases to core deposits | 108.1099% | 1,051 |
| Total domestic deposits to total assets | 69.7257% | 5,005 |
| Equity capital to assets | 17.4660% | 444 |
| Core capital (leverage) ratio | 17.0702% | 432 |
| Tier 1 risk-based capital ratio | 19.1176% | 1,538 |
| Total risk-based capital ratio | 20.3840% | 1,509 |
| Memoranda: | ||
| Average total assets | $416,785,000 | 1,690 |
| Average earning assets | $386,871,500 | 1,688 |
| Average equity | $72,216,500 | 1,188 |
| Average total loans | $321,198,250 | 1,535 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 2,180 |
| Cost of funding earning assets | 1.5783% | 292 |
| Net interest margin | 3.1845% | 4,391 |
| Noninterest income to average assets | 0.5831% | 2,232 |
| Noninterest expense to average assets | 1.9604% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3098% | 1,735 |
| Return on assets (ROA) | 1.3098% | 1,801 |
| Pretax return on assets | 1.5845% | 1,591 |
| Return on Equity (ROE) | 7.5800% | 3,464 |
| Retained earnings to average equity (ytd only) | 3.9713% | 3,266 |
| Net charge-offs to loans | -0.0006% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1055% | 4,456 |
| Assets per employee ($millions) | 7.3137% | 880 |
| Cash dividends to net income (ytd only)* | 47.6085% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9793% | 128 |
| Loan loss allowance to noncurrent loans | 448.4094% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 2,501 |
| Noncurrent loans to loans | 0.6644% | 2,295 |
| Net loans and leases to total assets | 74.6648% | 1,775 |
| Net loans and leases to deposits | 107.3804% | 293 |
| Net loans and leases to core deposits | 108.1345% | 1,095 |
| Total domestic deposits to total assets | 69.5330% | 5,063 |
| Equity capital to assets | 17.1458% | 451 |
| Core capital (leverage) ratio | 17.1616% | 412 |
| Tier 1 risk-based capital ratio | 19.0374% | 1,547 |
| Total risk-based capital ratio | 20.3042% | 1,506 |
| Memoranda: | ||
| Average total assets | $415,020,670 | 1,705 |
| Average earning assets | $385,996,000 | 1,699 |
| Average equity | $71,715,330 | 1,188 |
| Average total loans | $319,710,670 | 1,547 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 2,262 |
| Cost of funding earning assets | 1.5586% | 265 |
| Net interest margin | 3.1308% | 4,529 |
| Noninterest income to average assets | 0.6013% | 2,037 |
| Noninterest expense to average assets | 2.0028% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2436% | 1,913 |
| Return on assets (ROA) | 1.2436% | 1,957 |
| Pretax return on assets | 1.5116% | 1,724 |
| Return on Equity (ROE) | 7.1678% | 3,608 |
| Retained earnings to average equity (ytd only) | 3.4828% | 3,519 |
| Net charge-offs to loans | -0.0013% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6850% | 4,372 |
| Assets per employee ($millions) | 6.9419% | 1,024 |
| Cash dividends to net income (ytd only)* | 51.4107% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0662% | 127 |
| Loan loss allowance to noncurrent loans | 473.2847% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,618 |
| Noncurrent loans to loans | 0.6479% | 2,393 |
| Net loans and leases to total assets | 75.0716% | 1,631 |
| Net loans and leases to deposits | 105.3838% | 340 |
| Net loans and leases to core deposits | 106.2285% | 1,158 |
| Total domestic deposits to total assets | 71.2364% | 5,069 |
| Equity capital to assets | 17.5024% | 389 |
| Core capital (leverage) ratio | 17.2612% | 399 |
| Tier 1 risk-based capital ratio | 19.4664% | 1,447 |
| Total risk-based capital ratio | 20.7346% | 1,418 |
| Memoranda: | ||
| Average total assets | $410,433,000 | 1,733 |
| Average earning assets | $381,879,500 | 1,726 |
| Average equity | $71,207,000 | 1,190 |
| Average total loans | $316,340,500 | 1,569 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 2,034 |
| Cost of funding earning assets | 1.2129% | 321 |
| Net interest margin | 3.4240% | 3,927 |
| Noninterest income to average assets | 0.6177% | 2,203 |
| Noninterest expense to average assets | 2.0541% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4336% | 1,325 |
| Return on assets (ROA) | 1.4336% | 1,319 |
| Pretax return on assets | 1.7359% | 1,079 |
| Return on Equity (ROE) | 8.2297% | 3,344 |
| Retained earnings to average equity (ytd only) | 5.0476% | 2,740 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8993% | 4,724 |
| Assets per employee ($millions) | 6.9711% | 984 |
| Cash dividends to net income (ytd only)* | 38.6660% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0826% | 123 |
| Loan loss allowance to noncurrent loans | 471.6295% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 2,578 |
| Noncurrent loans to loans | 0.6536% | 2,363 |
| Net loans and leases to total assets | 74.3404% | 1,879 |
| Net loans and leases to deposits | 107.2553% | 328 |
| Net loans and leases to core deposits | 108.0219% | 1,116 |
| Total domestic deposits to total assets | 69.3117% | 5,178 |
| Equity capital to assets | 17.1967% | 404 |
| Core capital (leverage) ratio | 17.2485% | 387 |
| Tier 1 risk-based capital ratio | 19.3372% | 1,440 |
| Total risk-based capital ratio | 20.6052% | 1,398 |
| Memoranda: | ||
| Average total assets | $396,336,800 | 1,731 |
| Average earning assets | $367,206,400 | 1,736 |
| Average equity | $69,042,800 | 1,174 |
| Average total loans | $304,068,400 | 1,584 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 1,979 |
| Cost of funding earning assets | 1.1263% | 356 |
| Net interest margin | 3.4715% | 3,800 |
| Noninterest income to average assets | 0.6110% | 2,254 |
| Noninterest expense to average assets | 2.0292% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4872% | 1,228 |
| Return on assets (ROA) | 1.4872% | 1,226 |
| Pretax return on assets | 1.7996% | 1,015 |
| Return on Equity (ROE) | 8.5083% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.7027% | 2,824 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6853% | 4,841 |
| Assets per employee ($millions) | 6.7784% | 1,027 |
| Cash dividends to net income (ytd only)* | 32.9757% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1615% | 120 |
| Loan loss allowance to noncurrent loans | 469.5799% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,666 |
| Noncurrent loans to loans | 0.6733% | 2,394 |
| Net loans and leases to total assets | 74.4831% | 1,906 |
| Net loans and leases to deposits | 105.8896% | 446 |
| Net loans and leases to core deposits | 106.6554% | 1,258 |
| Total domestic deposits to total assets | 70.3403% | 5,200 |
| Equity capital to assets | 17.4727% | 383 |
| Core capital (leverage) ratio | 17.2810% | 387 |
| Tier 1 risk-based capital ratio | 19.6641% | 1,406 |
| Total risk-based capital ratio | 20.9332% | 1,369 |
| Memoranda: | ||
| Average total assets | $392,597,750 | 1,753 |
| Average earning assets | $363,910,250 | 1,757 |
| Average equity | $68,621,250 | 1,176 |
| Average total loans | $301,215,000 | 1,600 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 2,040 |
| Cost of funding earning assets | 1.0352% | 395 |
| Net interest margin | 3.4805% | 3,701 |
| Noninterest income to average assets | 0.6028% | 2,307 |
| Noninterest expense to average assets | 2.0556% | 4,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4727% | 1,219 |
| Return on assets (ROA) | 1.4727% | 1,218 |
| Pretax return on assets | 1.7737% | 1,026 |
| Return on Equity (ROE) | 8.4249% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.3839% | 2,367 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3293% | 4,854 |
| Assets per employee ($millions) | 6.6042% | 1,131 |
| Cash dividends to net income (ytd only)* | 24.2255% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1911% | 114 |
| Loan loss allowance to noncurrent loans | 844.9175% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 3,606 |
| Noncurrent loans to loans | 0.3777% | 3,339 |
| Net loans and leases to total assets | 74.4555% | 1,872 |
| Net loans and leases to deposits | 107.4168% | 375 |
| Net loans and leases to core deposits | 108.2118% | 1,104 |
| Total domestic deposits to total assets | 69.3146% | 5,294 |
| Equity capital to assets | 17.4550% | 367 |
| Core capital (leverage) ratio | 17.4093% | 355 |
| Tier 1 risk-based capital ratio | 19.4919% | 1,436 |
| Total risk-based capital ratio | 20.7611% | 1,388 |
| Memoranda: | ||
| Average total assets | $390,154,670 | 1,767 |
| Average earning assets | $361,674,670 | 1,769 |
| Average equity | $68,202,330 | 1,180 |
| Average total loans | $299,085,670 | 1,608 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 2,043 |
| Cost of funding earning assets | 0.9437% | 482 |
| Net interest margin | 3.4988% | 3,542 |
| Noninterest income to average assets | 0.5787% | 2,371 |
| Noninterest expense to average assets | 2.1245% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4229% | 1,277 |
| Return on assets (ROA) | 1.4229% | 1,282 |
| Pretax return on assets | 1.6915% | 1,138 |
| Return on Equity (ROE) | 8.1334% | 3,321 |
| Retained earnings to average equity (ytd only) | 8.0921% | 1,802 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2107% | 4,779 |
| Assets per employee ($millions) | 6.6360% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.5084% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2845% | 111 |
| Loan loss allowance to noncurrent loans | 3,388.5017% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 4,719 |
| Noncurrent loans to loans | 0.0969% | 4,538 |
| Net loans and leases to total assets | 74.4012% | 1,799 |
| Net loans and leases to deposits | 102.8001% | 548 |
| Net loans and leases to core deposits | 103.5488% | 1,410 |
| Total domestic deposits to total assets | 72.3746% | 5,260 |
| Equity capital to assets | 17.7610% | 333 |
| Core capital (leverage) ratio | 17.5681% | 336 |
| Tier 1 risk-based capital ratio | 19.9356% | 1,355 |
| Total risk-based capital ratio | 21.2062% | 1,321 |
| Memoranda: | ||
| Average total assets | $387,105,000 | 1,788 |
| Average earning assets | $358,183,000 | 1,792 |
| Average equity | $67,720,500 | 1,200 |
| Average total loans | $296,249,500 | 1,626 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 1,827 |
| Cost of funding earning assets | 0.7627% | 776 |
| Net interest margin | 3.7024% | 2,785 |
| Noninterest income to average assets | 0.6736% | 2,076 |
| Noninterest expense to average assets | 2.2505% | 4,442 |
| Loan and lease loss provision to assets | 0.0736% | 2,739 |
| Net operating income to assets | 0.9506% | 2,445 |
| Return on assets (ROA) | 0.9514% | 2,473 |
| Pretax return on assets | 1.7717% | 856 |
| Return on Equity (ROE) | 5.3378% | 4,027 |
| Retained earnings to average equity (ytd only) | 1.8423% | 4,216 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5068% | 4,987 |
| Assets per employee ($millions) | 6.5987% | 1,151 |
| Cash dividends to net income (ytd only)* | 65.4852% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2809% | 104 |
| Loan loss allowance to noncurrent loans | 7,597.6563% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 4,977 |
| Noncurrent loans to loans | 0.0432% | 4,804 |
| Net loans and leases to total assets | 73.6377% | 1,979 |
| Net loans and leases to deposits | 108.6071% | 302 |
| Net loans and leases to core deposits | 109.8687% | 1,016 |
| Total domestic deposits to total assets | 67.8019% | 5,479 |
| Equity capital to assets | 17.2303% | 378 |
| Core capital (leverage) ratio | 17.1214% | 364 |
| Tier 1 risk-based capital ratio | 19.3475% | 1,441 |
| Total risk-based capital ratio | 20.6178% | 1,413 |
| Memoranda: | ||
| Average total assets | $373,656,600 | 1,820 |
| Average earning assets | $345,236,800 | 1,815 |
| Average equity | $66,600,600 | 1,200 |
| Average total loans | $285,376,600 | 1,628 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,821 |
| Cost of funding earning assets | 0.7291% | 846 |
| Net interest margin | 3.7111% | 2,712 |
| Noninterest income to average assets | 0.6574% | 2,175 |
| Noninterest expense to average assets | 2.2769% | 4,354 |
| Loan and lease loss provision to assets | 0.0992% | 2,132 |
| Net operating income to assets | 1.2637% | 1,459 |
| Return on assets (ROA) | 1.2650% | 1,483 |
| Pretax return on assets | 1.7154% | 1,080 |
| Return on Equity (ROE) | 7.0355% | 3,643 |
| Retained earnings to average equity (ytd only) | 3.6702% | 3,742 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1839% | 4,925 |
| Assets per employee ($millions) | 6.5696% | 1,141 |
| Cash dividends to net income (ytd only)* | 47.8335% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3589% | 108 |
| Loan loss allowance to noncurrent loans | 18,701.9231% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,191 |
| Noncurrent loans to loans | 0.0180% | 5,059 |
| Net loans and leases to total assets | 73.4333% | 2,016 |
| Net loans and leases to deposits | 108.9773% | 310 |
| Net loans and leases to core deposits | 110.2774% | 1,006 |
| Total domestic deposits to total assets | 67.3840% | 5,556 |
| Equity capital to assets | 17.7668% | 351 |
| Core capital (leverage) ratio | 17.5380% | 338 |
| Tier 1 risk-based capital ratio | 19.5906% | 1,457 |
| Total risk-based capital ratio | 20.8609% | 1,418 |
| Memoranda: | ||
| Average total assets | $369,740,500 | 1,847 |
| Average earning assets | $341,959,000 | 1,845 |
| Average equity | $66,480,500 | 1,205 |
| Average total loans | $282,617,750 | 1,654 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,881 |
| Cost of funding earning assets | 0.6759% | 1,011 |
| Net interest margin | 3.7035% | 2,646 |
| Noninterest income to average assets | 0.6427% | 2,238 |
| Noninterest expense to average assets | 2.3411% | 4,238 |
| Loan and lease loss provision to assets | 0.1257% | 1,650 |
| Net operating income to assets | 1.1994% | 1,598 |
| Return on assets (ROA) | 1.1990% | 1,633 |
| Pretax return on assets | 1.6039% | 1,332 |
| Return on Equity (ROE) | 6.6410% | 3,757 |
| Retained earnings to average equity (ytd only) | 3.2781% | 3,770 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9597% | 4,831 |
| Assets per employee ($millions) | 6.5656% | 1,117 |
| Cash dividends to net income (ytd only)* | 50.6381% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3741% | 115 |
| Loan loss allowance to noncurrent loans | 1,843.8095% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,622 |
| Noncurrent loans to loans | 0.1830% | 4,387 |
| Net loans and leases to total assets | 74.0736% | 1,849 |
| Net loans and leases to deposits | 107.5040% | 337 |
| Net loans and leases to core deposits | 108.7784% | 1,068 |
| Total domestic deposits to total assets | 68.9031% | 5,573 |
| Equity capital to assets | 17.8531% | 333 |
| Core capital (leverage) ratio | 17.6889% | 315 |
| Tier 1 risk-based capital ratio | 18.7619% | 1,646 |
| Total risk-based capital ratio | 20.0312% | 1,601 |
| Memoranda: | ||
| Average total assets | $365,975,000 | 1,862 |
| Average earning assets | $338,811,000 | 1,859 |
| Average equity | $66,074,670 | 1,212 |
| Average total loans | $280,312,670 | 1,661 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 1,812 |
| Cost of funding earning assets | 0.6444% | 1,101 |
| Net interest margin | 3.7064% | 2,466 |
| Noninterest income to average assets | 0.6533% | 2,163 |
| Noninterest expense to average assets | 2.4364% | 4,011 |
| Loan and lease loss provision to assets | 0.0995% | 1,898 |
| Net operating income to assets | 1.1475% | 1,679 |
| Return on assets (ROA) | 1.1475% | 1,715 |
| Pretax return on assets | 1.5443% | 1,398 |
| Return on Equity (ROE) | 6.3191% | 3,757 |
| Retained earnings to average equity (ytd only) | 2.6664% | 4,074 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0601% | 4,706 |
| Assets per employee ($millions) | 6.5584% | 1,156 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4494% | 118 |
| Loan loss allowance to noncurrent loans | 2,096.7033% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,758 |
| Noncurrent loans to loans | 0.1645% | 4,525 |
| Net loans and leases to total assets | 74.0293% | 1,737 |
| Net loans and leases to deposits | 101.2566% | 536 |
| Net loans and leases to core deposits | 102.4288% | 1,336 |
| Total domestic deposits to total assets | 73.1106% | 5,480 |
| Equity capital to assets | 18.2975% | 288 |
| Core capital (leverage) ratio | 17.9880% | 288 |
| Tier 1 risk-based capital ratio | 19.1219% | 1,583 |
| Total risk-based capital ratio | 20.3917% | 1,544 |
| Memoranda: | ||
| Average total assets | $361,844,000 | 1,886 |
| Average earning assets | $334,558,000 | 1,889 |
| Average equity | $65,705,500 | 1,212 |
| Average total loans | $277,023,500 | 1,692 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 1,538 |
| Cost of funding earning assets | 0.6356% | 1,134 |
| Net interest margin | 3.8634% | 2,087 |
| Noninterest income to average assets | 0.7353% | 2,017 |
| Noninterest expense to average assets | 2.3010% | 4,556 |
| Loan and lease loss provision to assets | 0.1981% | 1,179 |
| Net operating income to assets | 1.3102% | 1,192 |
| Return on assets (ROA) | 1.3213% | 1,221 |
| Pretax return on assets | 1.8215% | 757 |
| Return on Equity (ROE) | 7.3207% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.0893% | 3,004 |
| Net charge-offs to loans | 0.0004% | 4,276 |
| Credit loss provision to net charge-offs | 70,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 7,132.0000% | 4 |
| Efficiency ratio | 51.8768% | 5,392 |
| Assets per employee ($millions) | 6.3680% | 1,227 |
| Cash dividends to net income (ytd only)* | 44.1395% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4057% | 121 |
| Loan loss allowance to noncurrent loans | 1,406.2500% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 4,576 |
| Noncurrent loans to loans | 0.2422% | 4,285 |
| Net loans and leases to total assets | 73.8408% | 1,875 |
| Net loans and leases to deposits | 106.5757% | 317 |
| Net loans and leases to core deposits | 107.8676% | 1,029 |
| Total domestic deposits to total assets | 69.2848% | 5,689 |
| Equity capital to assets | 18.0204% | 300 |
| Core capital (leverage) ratio | 18.2381% | 273 |
| Tier 1 risk-based capital ratio | 19.5002% | 1,476 |
| Total risk-based capital ratio | 20.7704% | 1,434 |
| Memoranda: | ||
| Average total assets | $355,796,600 | 1,877 |
| Average earning assets | $328,801,800 | 1,876 |
| Average equity | $64,215,600 | 1,221 |
| Average total loans | $277,480,800 | 1,630 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,474 |
| Cost of funding earning assets | 0.6360% | 1,109 |
| Net interest margin | 3.8858% | 2,023 |
| Noninterest income to average assets | 0.7002% | 2,168 |
| Noninterest expense to average assets | 2.2741% | 4,594 |
| Loan and lease loss provision to assets | 0.2316% | 857 |
| Net operating income to assets | 1.3010% | 1,291 |
| Return on assets (ROA) | 1.3156% | 1,326 |
| Pretax return on assets | 1.8112% | 879 |
| Return on Equity (ROE) | 7.2864% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.4966% | 2,486 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3279% | 5,419 |
| Assets per employee ($millions) | 6.0693% | 1,383 |
| Cash dividends to net income (ytd only)* | 24.5634% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4330% | 123 |
| Loan loss allowance to noncurrent loans | 833.5708% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 4,130 |
| Noncurrent loans to loans | 0.4118% | 3,800 |
| Net loans and leases to total assets | 74.8023% | 1,739 |
| Net loans and leases to deposits | 107.4951% | 325 |
| Net loans and leases to core deposits | 108.8315% | 998 |
| Total domestic deposits to total assets | 69.5867% | 5,720 |
| Equity capital to assets | 18.5998% | 294 |
| Core capital (leverage) ratio | 18.1815% | 290 |
| Tier 1 risk-based capital ratio | 16.5202% | 2,408 |
| Total risk-based capital ratio | 17.7849% | 2,356 |
| Memoranda: | ||
| Average total assets | $354,001,500 | 1,890 |
| Average earning assets | $327,682,750 | 1,890 |
| Average equity | $63,917,000 | 1,238 |
| Average total loans | $277,482,250 | 1,628 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,455 |
| Cost of funding earning assets | 0.6314% | 1,134 |
| Net interest margin | 3.8908% | 2,011 |
| Noninterest income to average assets | 0.6333% | 2,450 |
| Noninterest expense to average assets | 2.2602% | 4,711 |
| Loan and lease loss provision to assets | 0.2961% | 614 |
| Net operating income to assets | 1.2248% | 1,518 |
| Return on assets (ROA) | 1.2446% | 1,556 |
| Pretax return on assets | 1.7075% | 1,071 |
| Return on Equity (ROE) | 6.9624% | 3,568 |
| Retained earnings to average equity (ytd only) | 4.2557% | 3,201 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7104% | 5,457 |
| Assets per employee ($millions) | 6.0321% | 1,375 |
| Cash dividends to net income (ytd only)* | 38.8763% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4013% | 135 |
| Loan loss allowance to noncurrent loans | 972.8227% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,409 |
| Noncurrent loans to loans | 0.3496% | 4,120 |
| Net loans and leases to total assets | 75.2599% | 1,601 |
| Net loans and leases to deposits | 105.2980% | 392 |
| Net loans and leases to core deposits | 106.5779% | 1,133 |
| Total domestic deposits to total assets | 71.4732% | 5,700 |
| Equity capital to assets | 18.3221% | 311 |
| Core capital (leverage) ratio | 17.7972% | 309 |
| Tier 1 risk-based capital ratio | 17.0819% | 2,187 |
| Total risk-based capital ratio | 18.3481% | 2,143 |
| Memoranda: | ||
| Average total assets | $354,662,000 | 1,884 |
| Average earning assets | $328,463,330 | 1,887 |
| Average equity | $63,397,670 | 1,247 |
| Average total loans | $279,083,000 | 1,623 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 1,634 |
| Cost of funding earning assets | 0.6268% | 1,172 |
| Net interest margin | 3.8319% | 2,169 |
| Noninterest income to average assets | 0.6632% | 2,204 |
| Noninterest expense to average assets | 2.3100% | 4,631 |
| Loan and lease loss provision to assets | 0.3529% | 422 |
| Net operating income to assets | 1.1332% | 1,774 |
| Return on assets (ROA) | 1.1471% | 1,835 |
| Pretax return on assets | 1.5672% | 1,385 |
| Return on Equity (ROE) | 6.4969% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.4969% | 2,134 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1258% | 5,447 |
| Assets per employee ($millions) | 6.3174% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2424% | 176 |
| Loan loss allowance to noncurrent loans | 953.7895% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 4,482 |
| Noncurrent loans to loans | 0.3399% | 4,221 |
| Net loans and leases to total assets | 76.4311% | 1,329 |
| Net loans and leases to deposits | 104.5527% | 387 |
| Net loans and leases to core deposits | 105.7797% | 1,089 |
| Total domestic deposits to total assets | 73.1030% | 5,691 |
| Equity capital to assets | 17.9929% | 324 |
| Core capital (leverage) ratio | 17.3393% | 343 |
| Tier 1 risk-based capital ratio | 16.7288% | 2,387 |
| Total risk-based capital ratio | 17.9936% | 2,327 |
| Memoranda: | ||
| Average total assets | $357,062,500 | 1,876 |
| Average earning assets | $330,589,500 | 1,881 |
| Average equity | $63,045,500 | 1,243 |
| Average total loans | $282,336,500 | 1,607 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,399 |
| Cost of funding earning assets | 0.6078% | 1,325 |
| Net interest margin | 3.9667% | 1,820 |
| Noninterest income to average assets | 0.6633% | 2,387 |
| Noninterest expense to average assets | 2.3419% | 4,673 |
| Loan and lease loss provision to assets | 0.4096% | 323 |
| Net operating income to assets | 1.1628% | 1,690 |
| Return on assets (ROA) | 1.1653% | 1,757 |
| Pretax return on assets | 1.6032% | 1,237 |
| Return on Equity (ROE) | 6.6692% | 3,699 |
| Retained earnings to average equity (ytd only) | 5.3614% | 2,163 |
| Net charge-offs to loans | -0.0012% | 4,844 |
| Credit loss provision to net charge-offs | -44,333.3333% | 5,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6185% | 5,599 |
| Assets per employee ($millions) | 6.3220% | 1,185 |
| Cash dividends to net income (ytd only)* | 19.6089% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0664% | 210 |
| Loan loss allowance to noncurrent loans | 1,685.1638% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 5,016 |
| Noncurrent loans to loans | 0.1820% | 4,767 |
| Net loans and leases to total assets | 76.7231% | 1,298 |
| Net loans and leases to deposits | 110.1034% | 239 |
| Net loans and leases to core deposits | 111.4320% | 797 |
| Total domestic deposits to total assets | 69.6828% | 5,906 |
| Equity capital to assets | 17.3266% | 377 |
| Core capital (leverage) ratio | 17.2145% | 341 |
| Tier 1 risk-based capital ratio | 16.3762% | 2,538 |
| Total risk-based capital ratio | 17.6399% | 2,492 |
| Memoranda: | ||
| Average total assets | $324,734,600 | 2,020 |
| Average earning assets | $301,912,600 | 2,007 |
| Average equity | $56,738,400 | 1,314 |
| Average total loans | $259,788,200 | 1,672 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 1,476 |
| Cost of funding earning assets | 0.6081% | 1,357 |
| Net interest margin | 3.9361% | 1,913 |
| Noninterest income to average assets | 0.6826% | 2,316 |
| Noninterest expense to average assets | 2.2910% | 4,803 |
| Loan and lease loss provision to assets | 0.4285% | 267 |
| Net operating income to assets | 1.1820% | 1,713 |
| Return on assets (ROA) | 1.1854% | 1,761 |
| Pretax return on assets | 1.6346% | 1,283 |
| Return on Equity (ROE) | 6.7685% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.9800% | 2,931 |
| Net charge-offs to loans | -0.0016% | 4,681 |
| Credit loss provision to net charge-offs | -33,833.3333% | 5,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5384% | 5,678 |
| Assets per employee ($millions) | 6.6228% | 1,017 |
| Cash dividends to net income (ytd only)* | 26.4245% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2749% | 185 |
| Loan loss allowance to noncurrent loans | 1,584.7744% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 5,105 |
| Noncurrent loans to loans | 0.2066% | 4,821 |
| Net loans and leases to total assets | 76.7342% | 1,285 |
| Net loans and leases to deposits | 109.3212% | 267 |
| Net loans and leases to core deposits | 110.0741% | 873 |
| Total domestic deposits to total assets | 70.1915% | 5,961 |
| Equity capital to assets | 17.4448% | 390 |
| Core capital (leverage) ratio | 17.3663% | 345 |
| Tier 1 risk-based capital ratio | 16.1703% | 2,725 |
| Total risk-based capital ratio | 17.4350% | 2,675 |
| Memoranda: | ||
| Average total assets | $315,830,000 | 2,083 |
| Average earning assets | $294,227,000 | 2,059 |
| Average equity | $55,313,750 | 1,359 |
| Average total loans | $253,430,250 | 1,715 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 1,498 |
| Cost of funding earning assets | 0.6088% | 1,355 |
| Net interest margin | 3.9017% | 1,972 |
| Noninterest income to average assets | 0.6634% | 2,395 |
| Noninterest expense to average assets | 2.3021% | 4,842 |
| Loan and lease loss provision to assets | 0.4474% | 241 |
| Net operating income to assets | 1.1266% | 1,848 |
| Return on assets (ROA) | 1.1280% | 1,928 |
| Pretax return on assets | 1.5530% | 1,474 |
| Return on Equity (ROE) | 6.4321% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.7280% | 3,649 |
| Net charge-offs to loans | -0.0024% | 4,607 |
| Credit loss provision to net charge-offs | -23,333.3333% | 5,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3406% | 5,686 |
| Assets per employee ($millions) | 6.0040% | 1,349 |
| Cash dividends to net income (ytd only)* | 42.0397% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1707% | 227 |
| Loan loss allowance to noncurrent loans | 1,462.3423% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 5,177 |
| Noncurrent loans to loans | 0.2168% | 4,906 |
| Net loans and leases to total assets | 77.8901% | 1,080 |
| Net loans and leases to deposits | 108.1411% | 300 |
| Net loans and leases to core deposits | 108.8798% | 899 |
| Total domestic deposits to total assets | 72.0263% | 5,936 |
| Equity capital to assets | 17.4121% | 383 |
| Core capital (leverage) ratio | 17.5625% | 322 |
| Tier 1 risk-based capital ratio | 16.4387% | 2,640 |
| Total risk-based capital ratio | 17.7036% | 2,589 |
| Memoranda: | ||
| Average total assets | $312,935,000 | 2,110 |
| Average earning assets | $291,721,330 | 2,094 |
| Average equity | $54,881,330 | 1,376 |
| Average total loans | $252,092,000 | 1,729 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 1,353 |
| Cost of funding earning assets | 0.6165% | 1,328 |
| Net interest margin | 3.9235% | 1,810 |
| Noninterest income to average assets | 0.6355% | 2,469 |
| Noninterest expense to average assets | 2.3693% | 4,686 |
| Loan and lease loss provision to assets | 0.4963% | 212 |
| Net operating income to assets | 1.0409% | 2,069 |
| Return on assets (ROA) | 1.0390% | 2,233 |
| Pretax return on assets | 1.4180% | 1,822 |
| Return on Equity (ROE) | 5.9028% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.9028% | 2,549 |
| Net charge-offs to loans | -0.0048% | 4,487 |
| Credit loss provision to net charge-offs | -12,833.3333% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9850% | 5,680 |
| Assets per employee ($millions) | 5.8900% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1610% | 254 |
| Loan loss allowance to noncurrent loans | 3,900.5000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 5,671 |
| Noncurrent loans to loans | 0.0810% | 5,455 |
| Net loans and leases to total assets | 78.0300% | 922 |
| Net loans and leases to deposits | 102.3648% | 440 |
| Net loans and leases to core deposits | 103.0507% | 1,115 |
| Total domestic deposits to total assets | 76.2274% | 5,711 |
| Equity capital to assets | 17.9946% | 330 |
| Core capital (leverage) ratio | 17.5489% | 317 |
| Tier 1 risk-based capital ratio | 16.9138% | 2,516 |
| Total risk-based capital ratio | 18.1782% | 2,460 |
| Memoranda: | ||
| Average total assets | $310,297,500 | 2,131 |
| Average earning assets | $288,720,500 | 2,123 |
| Average equity | $54,618,500 | 1,392 |
| Average total loans | $250,153,000 | 1,740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,655 |
| Cost of funding earning assets | 0.6482% | 1,417 |
| Net interest margin | 3.9154% | 2,173 |
| Noninterest income to average assets | 0.6246% | 2,713 |
| Noninterest expense to average assets | 2.4170% | 4,804 |
| Loan and lease loss provision to assets | 0.4192% | 415 |
| Net operating income to assets | 1.0477% | 2,174 |
| Return on assets (ROA) | 1.0479% | 2,243 |
| Pretax return on assets | 1.4314% | 1,781 |
| Return on Equity (ROE) | 5.9431% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.5375% | 2,943 |
| Net charge-offs to loans | 0.0013% | 4,953 |
| Credit loss provision to net charge-offs | 41,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 1,831.6667% | 16 |
| Efficiency ratio | 55.2750% | 5,740 |
| Assets per employee ($millions) | 6.1630% | 1,270 |
| Cash dividends to net income (ytd only)* | 23.6504% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9241% | 323 |
| Loan loss allowance to noncurrent loans | 2,430.4918% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 5,640 |
| Noncurrent loans to loans | 0.1203% | 5,416 |
| Net loans and leases to total assets | 78.2978% | 961 |
| Net loans and leases to deposits | 112.9551% | 177 |
| Net loans and leases to core deposits | 113.3772% | 630 |
| Total domestic deposits to total assets | 69.3176% | 6,222 |
| Equity capital to assets | 17.2194% | 397 |
| Core capital (leverage) ratio | 16.8675% | 382 |
| Tier 1 risk-based capital ratio | 16.3007% | 2,811 |
| Total risk-based capital ratio | 17.5635% | 2,750 |
| Memoranda: | ||
| Average total assets | $296,976,000 | 2,169 |
| Average earning assets | $276,295,400 | 2,156 |
| Average equity | $52,363,600 | 1,395 |
| Average total loans | $236,010,600 | 1,785 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 1,699 |
| Cost of funding earning assets | 0.6542% | 1,431 |
| Net interest margin | 3.8974% | 2,254 |
| Noninterest income to average assets | 0.6420% | 2,615 |
| Noninterest expense to average assets | 2.4234% | 4,749 |
| Loan and lease loss provision to assets | 0.4237% | 386 |
| Net operating income to assets | 1.0457% | 2,249 |
| Return on assets (ROA) | 1.0461% | 2,309 |
| Pretax return on assets | 1.4270% | 1,897 |
| Return on Equity (ROE) | 5.8957% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.0058% | 3,801 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3092% | 5,716 |
| Assets per employee ($millions) | 6.0375% | 1,311 |
| Cash dividends to net income (ytd only)* | 32.0558% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9391% | 383 |
| Loan loss allowance to noncurrent loans | 1,639.9538% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 5,613 |
| Noncurrent loans to loans | 0.1792% | 5,373 |
| Net loans and leases to total assets | 77.6833% | 993 |
| Net loans and leases to deposits | 107.0257% | 292 |
| Net loans and leases to core deposits | 107.4228% | 876 |
| Total domestic deposits to total assets | 72.5838% | 6,128 |
| Equity capital to assets | 17.5942% | 368 |
| Core capital (leverage) ratio | 17.2234% | 351 |
| Tier 1 risk-based capital ratio | 16.6718% | 2,736 |
| Total risk-based capital ratio | 17.9346% | 2,690 |
| Memoranda: | ||
| Average total assets | $292,641,500 | 2,211 |
| Average earning assets | $272,689,250 | 2,192 |
| Average equity | $51,923,750 | 1,414 |
| Average total loans | $231,634,750 | 1,820 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 1,654 |
| Cost of funding earning assets | 0.6557% | 1,466 |
| Net interest margin | 3.9001% | 2,167 |
| Noninterest income to average assets | 0.5823% | 2,912 |
| Noninterest expense to average assets | 2.5120% | 4,548 |
| Loan and lease loss provision to assets | 0.3937% | 421 |
| Net operating income to assets | 0.9585% | 2,514 |
| Return on assets (ROA) | 0.9580% | 2,606 |
| Pretax return on assets | 1.3116% | 2,213 |
| Return on Equity (ROE) | 5.3835% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.5268% | 4,591 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0809% | 5,548 |
| Assets per employee ($millions) | 5.8206% | 1,405 |
| Cash dividends to net income (ytd only)* | 53.0642% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9200% | 419 |
| Loan loss allowance to noncurrent loans | 1,440.3846% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 5,670 |
| Noncurrent loans to loans | 0.2027% | 5,409 |
| Net loans and leases to total assets | 77.0070% | 1,050 |
| Net loans and leases to deposits | 100.3663% | 541 |
| Net loans and leases to core deposits | 100.7313% | 1,227 |
| Total domestic deposits to total assets | 76.7260% | 5,828 |
| Equity capital to assets | 17.8938% | 333 |
| Core capital (leverage) ratio | 17.5008% | 325 |
| Tier 1 risk-based capital ratio | 17.1467% | 2,558 |
| Total risk-based capital ratio | 18.4094% | 2,518 |
| Memoranda: | ||
| Average total assets | $289,564,330 | 2,229 |
| Average earning assets | $269,945,000 | 2,212 |
| Average equity | $51,527,670 | 1,414 |
| Average total loans | $228,311,000 | 1,838 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 1,800 |
| Cost of funding earning assets | 0.6479% | 1,596 |
| Net interest margin | 3.8563% | 2,248 |
| Noninterest income to average assets | 0.5512% | 3,040 |
| Noninterest expense to average assets | 2.7393% | 3,801 |
| Loan and lease loss provision to assets | 0.3947% | 427 |
| Net operating income to assets | 0.7748% | 3,283 |
| Return on assets (ROA) | 0.7769% | 3,349 |
| Pretax return on assets | 1.0137% | 3,270 |
| Return on Equity (ROE) | 4.3782% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.3782% | 3,498 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4838% | 4,782 |
| Assets per employee ($millions) | 5.8688% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8912% | 491 |
| Loan loss allowance to noncurrent loans | 1,582.3529% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,821 |
| Noncurrent loans to loans | 0.1827% | 5,551 |
| Net loans and leases to total assets | 75.4039% | 1,073 |
| Net loans and leases to deposits | 96.1217% | 651 |
| Net loans and leases to core deposits | 96.4672% | 1,350 |
| Total domestic deposits to total assets | 78.4463% | 5,765 |
| Equity capital to assets | 18.0026% | 324 |
| Core capital (leverage) ratio | 17.6364% | 320 |
| Tier 1 risk-based capital ratio | 17.5959% | 2,453 |
| Total risk-based capital ratio | 18.8584% | 2,414 |
| Memoranda: | ||
| Average total assets | $288,832,500 | 2,240 |
| Average earning assets | $269,166,500 | 2,225 |
| Average equity | $51,253,500 | 1,414 |
| Average total loans | $227,040,000 | 1,849 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 2,328 |
| Cost of funding earning assets | 0.6588% | 2,139 |
| Net interest margin | 3.8098% | 2,618 |
| Noninterest income to average assets | 0.6782% | 2,660 |
| Noninterest expense to average assets | 2.1849% | 5,667 |
| Loan and lease loss provision to assets | 0.4445% | 655 |
| Net operating income to assets | 1.1409% | 1,789 |
| Return on assets (ROA) | 1.1412% | 1,855 |
| Pretax return on assets | 1.5907% | 1,194 |
| Return on Equity (ROE) | 6.4707% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.6680% | 2,836 |
| Net charge-offs to loans | 0.0094% | 5,264 |
| Credit loss provision to net charge-offs | 6,250.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 286.1000% | 157 |
| Efficiency ratio | 50.1348% | 6,392 |
| Assets per employee ($millions) | 5.9203% | 1,324 |
| Cash dividends to net income (ytd only)* | 27.8591% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6739% | 677 |
| Loan loss allowance to noncurrent loans | 1,531.2655% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,904 |
| Noncurrent loans to loans | 0.1746% | 5,679 |
| Net loans and leases to total assets | 77.4277% | 895 |
| Net loans and leases to deposits | 103.6033% | 334 |
| Net loans and leases to core deposits | 104.0265% | 909 |
| Total domestic deposits to total assets | 74.7348% | 6,222 |
| Equity capital to assets | 17.4898% | 356 |
| Core capital (leverage) ratio | 17.1487% | 359 |
| Tier 1 risk-based capital ratio | 17.0463% | 2,587 |
| Total risk-based capital ratio | 18.3072% | 2,554 |
| Memoranda: | ||
| Average total assets | $281,201,800 | 2,261 |
| Average earning assets | $261,403,400 | 2,242 |
| Average equity | $49,592,800 | 1,423 |
| Average total loans | $212,262,200 | 1,915 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 2,479 |
| Cost of funding earning assets | 0.6642% | 2,224 |
| Net interest margin | 3.7711% | 2,745 |
| Noninterest income to average assets | 0.6820% | 2,726 |
| Noninterest expense to average assets | 2.1578% | 5,707 |
| Loan and lease loss provision to assets | 0.3895% | 787 |
| Net operating income to assets | 1.1701% | 1,738 |
| Return on assets (ROA) | 1.1728% | 1,799 |
| Pretax return on assets | 1.6445% | 1,229 |
| Return on Equity (ROE) | 6.6358% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.2184% | 3,684 |
| Net charge-offs to loans | 0.0128% | 4,880 |
| Credit loss provision to net charge-offs | 4,075.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 212.3682% | 275 |
| Efficiency ratio | 49.8345% | 6,409 |
| Assets per employee ($millions) | 5.6527% | 1,500 |
| Cash dividends to net income (ytd only)* | 36.4303% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6359% | 801 |
| Loan loss allowance to noncurrent loans | 1,349.6471% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 5,983 |
| Noncurrent loans to loans | 0.1953% | 5,751 |
| Net loans and leases to total assets | 76.4946% | 938 |
| Net loans and leases to deposits | 97.5003% | 594 |
| Net loans and leases to core deposits | 97.7843% | 1,254 |
| Total domestic deposits to total assets | 78.4557% | 5,834 |
| Equity capital to assets | 18.0423% | 319 |
| Core capital (leverage) ratio | 17.6488% | 328 |
| Tier 1 risk-based capital ratio | 17.5077% | 2,508 |
| Total risk-based capital ratio | 18.7676% | 2,472 |
| Memoranda: | ||
| Average total assets | $278,978,500 | 2,287 |
| Average earning assets | $259,372,000 | 2,261 |
| Average equity | $49,306,750 | 1,443 |
| Average total loans | $207,631,500 | 1,950 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 2,580 |
| Cost of funding earning assets | 0.6652% | 2,359 |
| Net interest margin | 3.7300% | 2,849 |
| Noninterest income to average assets | 0.6508% | 2,909 |
| Noninterest expense to average assets | 2.1549% | 5,736 |
| Loan and lease loss provision to assets | 0.3647% | 904 |
| Net operating income to assets | 1.1375% | 1,784 |
| Return on assets (ROA) | 1.1436% | 1,885 |
| Pretax return on assets | 1.6049% | 1,364 |
| Return on Equity (ROE) | 6.5153% | 3,872 |
| Retained earnings to average equity (ytd only) | 2.8726% | 4,485 |
| Net charge-offs to loans | 0.0196% | 4,454 |
| Credit loss provision to net charge-offs | 2,550.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 137.1000% | 362 |
| Efficiency ratio | 50.5995% | 6,380 |
| Assets per employee ($millions) | 5.8313% | 1,326 |
| Cash dividends to net income (ytd only)* | 55.9099% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6770% | 804 |
| Loan loss allowance to noncurrent loans | 1,324.6341% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 6,055 |
| Noncurrent loans to loans | 0.2021% | 5,805 |
| Net loans and leases to total assets | 70.5405% | 1,796 |
| Net loans and leases to deposits | 89.4436% | 1,197 |
| Net loans and leases to core deposits | 89.6996% | 1,934 |
| Total domestic deposits to total assets | 78.8659% | 5,824 |
| Equity capital to assets | 17.5618% | 358 |
| Core capital (leverage) ratio | 17.1463% | 360 |
| Tier 1 risk-based capital ratio | 18.2768% | 2,220 |
| Total risk-based capital ratio | 19.5369% | 2,181 |
| Memoranda: | ||
| Average total assets | $279,643,670 | 2,292 |
| Average earning assets | $259,785,330 | 2,267 |
| Average equity | $49,084,330 | 1,457 |
| Average total loans | $204,304,330 | 1,981 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 2,347 |
| Cost of funding earning assets | 0.6741% | 2,449 |
| Net interest margin | 3.7758% | 2,538 |
| Noninterest income to average assets | 0.6554% | 2,851 |
| Noninterest expense to average assets | 2.1838% | 5,735 |
| Loan and lease loss provision to assets | 0.3649% | 885 |
| Net operating income to assets | 1.1337% | 1,730 |
| Return on assets (ROA) | 1.1448% | 1,809 |
| Pretax return on assets | 1.6171% | 1,262 |
| Return on Equity (ROE) | 6.5242% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.5242% | 2,399 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7586% | 6,452 |
| Assets per employee ($millions) | 6.0688% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6272% | 985 |
| Loan loss allowance to noncurrent loans | 1,875.8123% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,237 |
| Noncurrent loans to loans | 0.1401% | 6,048 |
| Net loans and leases to total assets | 66.1109% | 2,353 |
| Net loans and leases to deposits | 83.5182% | 1,648 |
| Net loans and leases to core deposits | 83.7470% | 2,351 |
| Total domestic deposits to total assets | 79.1574% | 5,931 |
| Equity capital to assets | 16.9706% | 426 |
| Core capital (leverage) ratio | 16.5072% | 401 |
| Tier 1 risk-based capital ratio | 18.6609% | 2,136 |
| Total risk-based capital ratio | 19.9204% | 2,106 |
| Memoranda: | ||
| Average total assets | $279,514,000 | 2,318 |
| Average earning assets | $258,700,000 | 2,298 |
| Average equity | $49,048,500 | 1,477 |
| Average total loans | $205,018,500 | 1,984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 1,070 |
| Cost of funding earning assets | 0.8230% | 2,481 |
| Net interest margin | 4.4012% | 1,160 |
| Noninterest income to average assets | 0.8255% | 2,152 |
| Noninterest expense to average assets | 2.3849% | 5,449 |
| Loan and lease loss provision to assets | 0.3373% | 1,989 |
| Net operating income to assets | 1.4970% | 922 |
| Return on assets (ROA) | 1.4888% | 1,032 |
| Pretax return on assets | 2.1232% | 474 |
| Return on Equity (ROE) | 10.4740% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.4740% | 509 |
| Net charge-offs to loans | -0.0486% | 6,702 |
| Credit loss provision to net charge-offs | -882.9787% | 6,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2764% | 6,743 |
| Assets per employee ($millions) | 5.4638% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3278% | 1,333 |
| Loan loss allowance to noncurrent loans | 2,341.7062% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 6,408 |
| Noncurrent loans to loans | 0.0994% | 6,239 |
| Net loans and leases to total assets | 77.4365% | 735 |
| Net loans and leases to deposits | 98.9500% | 460 |
| Net loans and leases to core deposits | 99.2474% | 1,064 |
| Total domestic deposits to total assets | 78.2583% | 6,035 |
| Equity capital to assets | 18.1757% | 312 |
| Core capital (leverage) ratio | 17.6578% | 302 |
| Tier 1 risk-based capital ratio | 18.1853% | 2,196 |
| Total risk-based capital ratio | 19.4435% | 2,154 |
| Memoranda: | ||
| Average total assets | $246,043,400 | 2,566 |
| Average earning assets | $225,393,800 | 2,566 |
| Average equity | $34,972,400 | 1,977 |
| Average total loans | $193,342,600 | 2,064 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 985 |
| Cost of funding earning assets | 0.8509% | 2,529 |
| Net interest margin | 4.4637% | 1,065 |
| Noninterest income to average assets | 0.8400% | 2,074 |
| Noninterest expense to average assets | 2.3167% | 5,644 |
| Loan and lease loss provision to assets | 0.2410% | 2,642 |
| Net operating income to assets | 1.6581% | 751 |
| Return on assets (ROA) | 1.6534% | 838 |
| Pretax return on assets | 2.3655% | 364 |
| Return on Equity (ROE) | 12.6103% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.6103% | 426 |
| Net charge-offs to loans | -0.0657% | 6,770 |
| Credit loss provision to net charge-offs | -467.7419% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1388% | 6,862 |
| Assets per employee ($millions) | 5.2333% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 1,496 |
| Loan loss allowance to noncurrent loans | 2,075.3425% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,520 |
| Noncurrent loans to loans | 0.1114% | 6,336 |
| Net loans and leases to total assets | 74.9183% | 1,122 |
| Net loans and leases to deposits | 89.9346% | 1,152 |
| Net loans and leases to core deposits | 90.3530% | 1,943 |
| Total domestic deposits to total assets | 83.3030% | 4,520 |
| Equity capital to assets | 12.8628% | 1,672 |
| Core capital (leverage) ratio | 12.2644% | 1,510 |
| Tier 1 risk-based capital ratio | 12.9751% | 5,274 |
| Total risk-based capital ratio | 14.2329% | 5,230 |
| Memoranda: | ||
| Average total assets | $240,623,000 | 2,644 |
| Average earning assets | $220,468,500 | 2,636 |
| Average equity | $31,550,250 | 2,185 |
| Average total loans | $188,613,750 | 2,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 785 |
| Cost of funding earning assets | 0.8566% | 2,744 |
| Net interest margin | 4.6020% | 825 |
| Noninterest income to average assets | 0.7937% | 2,214 |
| Noninterest expense to average assets | 2.3598% | 5,593 |
| Loan and lease loss provision to assets | 0.1572% | 3,546 |
| Net operating income to assets | 1.7336% | 629 |
| Return on assets (ROA) | 1.7336% | 712 |
| Pretax return on assets | 2.4907% | 305 |
| Return on Equity (ROE) | 13.1307% | 1,329 |
| Retained earnings to average equity (ytd only) | 13.1307% | 425 |
| Net charge-offs to loans | -0.1000% | 6,859 |
| Credit loss provision to net charge-offs | -198.9247% | 6,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2231% | 6,913 |
| Assets per employee ($millions) | 4.8733% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 1,591 |
| Loan loss allowance to noncurrent loans | 2,007.0093% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,575 |
| Noncurrent loans to loans | 0.1146% | 6,373 |
| Net loans and leases to total assets | 78.0244% | 719 |
| Net loans and leases to deposits | 94.5144% | 731 |
| Net loans and leases to core deposits | 95.4981% | 1,472 |
| Total domestic deposits to total assets | 82.5529% | 4,934 |
| Equity capital to assets | 13.6872% | 1,220 |
| Core capital (leverage) ratio | 13.1571% | 1,106 |
| Tier 1 risk-based capital ratio | 13.8542% | 4,552 |
| Total risk-based capital ratio | 15.1128% | 4,525 |
| Memoranda: | ||
| Average total assets | $235,354,000 | 2,707 |
| Average earning assets | $215,512,670 | 2,697 |
| Average equity | $31,072,330 | 2,198 |
| Average total loans | $185,932,330 | 2,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7633% | 459 |
| Cost of funding earning assets | 0.8504% | 3,060 |
| Net interest margin | 4.9129% | 462 |
| Noninterest income to average assets | 0.8116% | 2,111 |
| Noninterest expense to average assets | 2.3366% | 5,673 |
| Loan and lease loss provision to assets | 0.1864% | 3,100 |
| Net operating income to assets | 1.9113% | 488 |
| Return on assets (ROA) | 1.9113% | 560 |
| Pretax return on assets | 2.7720% | 238 |
| Return on Equity (ROE) | 14.7451% | 1,028 |
| Retained earnings to average equity (ytd only) | 14.7451% | 476 |
| Net charge-offs to loans | -0.2027% | 6,994 |
| Credit loss provision to net charge-offs | -117.0213% | 5,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2080% | 7,050 |
| Assets per employee ($millions) | 4.8549% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3787% | 1,543 |
| Loan loss allowance to noncurrent loans | 2,454.0698% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 6,702 |
| Noncurrent loans to loans | 0.0969% | 6,517 |
| Net loans and leases to total assets | 74.3351% | 1,011 |
| Net loans and leases to deposits | 89.8988% | 972 |
| Net loans and leases to core deposits | 90.8684% | 1,766 |
| Total domestic deposits to total assets | 82.6875% | 5,045 |
| Equity capital to assets | 13.3401% | 1,297 |
| Core capital (leverage) ratio | 12.7983% | 1,208 |
| Tier 1 risk-based capital ratio | 14.1064% | 4,395 |
| Total risk-based capital ratio | 15.3656% | 4,356 |
| Memoranda: | ||
| Average total assets | $236,071,500 | 2,710 |
| Average earning assets | $215,431,500 | 2,698 |
| Average equity | $30,600,000 | 2,226 |
| Average total loans | $185,494,000 | 2,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6380% | 886 |
| Cost of funding earning assets | 1.0719% | 2,865 |
| Net interest margin | 4.5661% | 988 |
| Noninterest income to average assets | 0.6780% | 2,739 |
| Noninterest expense to average assets | 2.3616% | 5,877 |
| Loan and lease loss provision to assets | 0.2990% | 3,274 |
| Net operating income to assets | 1.5248% | 782 |
| Return on assets (ROA) | 1.5275% | 848 |
| Pretax return on assets | 2.1962% | 374 |
| Return on Equity (ROE) | 12.1917% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.1917% | 289 |
| Net charge-offs to loans | 0.0193% | 6,172 |
| Credit loss provision to net charge-offs | 1,877.7778% | 123 |
| Earnings coverage of net charge-offs (x) | 156.4722% | 218 |
| Efficiency ratio | 46.2499% | 7,033 |
| Assets per employee ($millions) | 4.9814% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,983.5000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,744 |
| Noncurrent loans to loans | 0.1033% | 6,554 |
| Net loans and leases to total assets | 79.2835% | 568 |
| Net loans and leases to deposits | 105.1576% | 273 |
| Net loans and leases to core deposits | 106.3708% | 781 |
| Total domestic deposits to total assets | 75.3949% | 6,549 |
| Equity capital to assets | 12.5938% | 1,751 |
| Core capital (leverage) ratio | 12.0433% | 1,566 |
| Tier 1 risk-based capital ratio | 13.3259% | 4,821 |
| Total risk-based capital ratio | 14.5832% | 4,796 |
| Memoranda: | ||
| Average total assets | $226,115,600 | 2,774 |
| Average earning assets | $206,741,000 | 2,768 |
| Average equity | $28,330,800 | 2,309 |
| Average total loans | $186,997,200 | 2,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6725% | 892 |
| Cost of funding earning assets | 1.1152% | 2,881 |
| Net interest margin | 4.5573% | 1,026 |
| Noninterest income to average assets | 0.6676% | 2,785 |
| Noninterest expense to average assets | 2.2799% | 6,088 |
| Loan and lease loss provision to assets | 0.2608% | 3,419 |
| Net operating income to assets | 1.5981% | 781 |
| Return on assets (ROA) | 1.6051% | 837 |
| Pretax return on assets | 2.3200% | 350 |
| Return on Equity (ROE) | 12.8284% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.8284% | 398 |
| Net charge-offs to loans | -0.0065% | 6,736 |
| Credit loss provision to net charge-offs | -4,844.4444% | 6,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5609% | 7,127 |
| Assets per employee ($millions) | 4.7848% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,730.2752% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 6,726 |
| Noncurrent loans to loans | 0.1144% | 6,647 |
| Net loans and leases to total assets | 81.3345% | 406 |
| Net loans and leases to deposits | 107.9413% | 209 |
| Net loans and leases to core deposits | 109.2359% | 711 |
| Total domestic deposits to total assets | 75.3507% | 6,599 |
| Equity capital to assets | 12.7827% | 1,731 |
| Core capital (leverage) ratio | 12.1896% | 1,600 |
| Tier 1 risk-based capital ratio | 13.4445% | 4,777 |
| Total risk-based capital ratio | 14.7018% | 4,742 |
| Memoranda: | ||
| Average total assets | $222,867,250 | 2,817 |
| Average earning assets | $204,560,750 | 2,804 |
| Average equity | $27,885,250 | 2,340 |
| Average total loans | $185,361,250 | 2,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6568% | 951 |
| Cost of funding earning assets | 1.1424% | 2,953 |
| Net interest margin | 4.5144% | 1,100 |
| Noninterest income to average assets | 0.6228% | 2,989 |
| Noninterest expense to average assets | 2.3327% | 6,045 |
| Loan and lease loss provision to assets | 0.2049% | 3,877 |
| Net operating income to assets | 1.5507% | 805 |
| Return on assets (ROA) | 1.5394% | 873 |
| Pretax return on assets | 2.2176% | 399 |
| Return on Equity (ROE) | 12.3967% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.3967% | 470 |
| Net charge-offs to loans | -0.0087% | 6,656 |
| Credit loss provision to net charge-offs | -2,825.0000% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3804% | 7,142 |
| Assets per employee ($millions) | 4.6897% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9367% | 2,550 |
| Loan loss allowance to noncurrent loans | 516.0870% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 6,272 |
| Noncurrent loans to loans | 0.3753% | 6,155 |
| Net loans and leases to total assets | 80.0977% | 521 |
| Net loans and leases to deposits | 103.4969% | 335 |
| Net loans and leases to core deposits | 104.2744% | 1,026 |
| Total domestic deposits to total assets | 77.3914% | 6,398 |
| Equity capital to assets | 12.5724% | 1,741 |
| Core capital (leverage) ratio | 11.9760% | 1,610 |
| Tier 1 risk-based capital ratio | 15.0414% | 3,471 |
| Total risk-based capital ratio | 16.3005% | 3,435 |
| Memoranda: | ||
| Average total assets | $220,599,670 | 2,855 |
| Average earning assets | $202,728,000 | 2,842 |
| Average equity | $27,394,330 | 2,355 |
| Average total loans | $183,624,000 | 2,237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 938 |
| Cost of funding earning assets | 1.1718% | 3,008 |
| Net interest margin | 4.4976% | 1,079 |
| Noninterest income to average assets | 0.6485% | 2,859 |
| Noninterest expense to average assets | 2.3486% | 6,055 |
| Loan and lease loss provision to assets | 0.1575% | 4,053 |
| Net operating income to assets | 1.5762% | 726 |
| Return on assets (ROA) | 1.5535% | 805 |
| Pretax return on assets | 2.2368% | 374 |
| Return on Equity (ROE) | 12.5905% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.5905% | 657 |
| Net charge-offs to loans | -0.0109% | 6,388 |
| Credit loss provision to net charge-offs | -1,720.0000% | 6,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6437% | 7,173 |
| Assets per employee ($millions) | 4.6134% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 2,751 |
| Loan loss allowance to noncurrent loans | 697.5510% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 6,607 |
| Noncurrent loans to loans | 0.2700% | 6,449 |
| Net loans and leases to total assets | 82.1162% | 339 |
| Net loans and leases to deposits | 102.4241% | 368 |
| Net loans and leases to core deposits | 103.0441% | 1,127 |
| Total domestic deposits to total assets | 80.1728% | 5,899 |
| Equity capital to assets | 12.6192% | 1,565 |
| Core capital (leverage) ratio | 12.0179% | 1,555 |
| Tier 1 risk-based capital ratio | 14.9153% | 3,466 |
| Total risk-based capital ratio | 16.1739% | 3,430 |
| Memoranda: | ||
| Average total assets | $218,347,000 | 2,898 |
| Average earning assets | $200,374,500 | 2,883 |
| Average equity | $26,941,000 | 2,381 |
| Average total loans | $183,503,500 | 2,265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8939% | 1,058 |
| Cost of funding earning assets | 1.6456% | 1,846 |
| Net interest margin | 4.2483% | 2,004 |
| Noninterest income to average assets | 0.7276% | 2,664 |
| Noninterest expense to average assets | 2.4691% | 5,895 |
| Loan and lease loss provision to assets | 0.1741% | 5,481 |
| Net operating income to assets | 1.3709% | 1,007 |
| Return on assets (ROA) | 1.3703% | 1,081 |
| Pretax return on assets | 1.9657% | 520 |
| Return on Equity (ROE) | 11.3554% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.3554% | 346 |
| Net charge-offs to loans | 0.0216% | 6,596 |
| Credit loss provision to net charge-offs | 975.6757% | 229 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 214 |
| Efficiency ratio | 50.4654% | 7,088 |
| Assets per employee ($millions) | 4.7797% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7937% | 2,883 |
| Loan loss allowance to noncurrent loans | 950.8571% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,830 |
| Noncurrent loans to loans | 0.1886% | 6,693 |
| Net loans and leases to total assets | 82.8732% | 392 |
| Net loans and leases to deposits | 112.5288% | 193 |
| Net loans and leases to core deposits | 113.2583% | 757 |
| Total domestic deposits to total assets | 73.6462% | 6,931 |
| Equity capital to assets | 12.0619% | 1,883 |
| Core capital (leverage) ratio | 11.4455% | 1,864 |
| Tier 1 risk-based capital ratio | 13.9991% | 3,875 |
| Total risk-based capital ratio | 15.2569% | 3,833 |
| Memoranda: | ||
| Average total assets | $207,405,200 | 3,009 |
| Average earning assets | $189,533,400 | 3,016 |
| Average equity | $25,027,800 | 2,552 |
| Average total loans | $171,667,200 | 2,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9311% | 1,071 |
| Cost of funding earning assets | 1.7608% | 1,583 |
| Net interest margin | 4.1704% | 2,333 |
| Noninterest income to average assets | 0.6781% | 2,957 |
| Noninterest expense to average assets | 2.3632% | 6,139 |
| Loan and lease loss provision to assets | 0.1762% | 5,277 |
| Net operating income to assets | 1.3676% | 1,176 |
| Return on assets (ROA) | 1.3667% | 1,260 |
| Pretax return on assets | 1.9462% | 711 |
| Return on Equity (ROE) | 11.3241% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.3241% | 555 |
| Net charge-offs to loans | 0.0159% | 6,458 |
| Credit loss provision to net charge-offs | 1,350.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 162.6757% | 199 |
| Efficiency ratio | 49.4400% | 7,187 |
| Assets per employee ($millions) | 4.8282% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,702 |
| Loan loss allowance to noncurrent loans | 1,200.3690% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 6,991 |
| Noncurrent loans to loans | 0.1521% | 6,872 |
| Net loans and leases to total assets | 82.3479% | 455 |
| Net loans and leases to deposits | 110.9456% | 237 |
| Net loans and leases to core deposits | 111.8758% | 938 |
| Total domestic deposits to total assets | 74.2237% | 6,897 |
| Equity capital to assets | 12.1691% | 2,045 |
| Core capital (leverage) ratio | 11.4815% | 1,948 |
| Tier 1 risk-based capital ratio | 14.1384% | 3,732 |
| Total risk-based capital ratio | 15.3967% | 3,698 |
| Memoranda: | ||
| Average total assets | $204,290,000 | 3,090 |
| Average earning assets | $186,581,250 | 3,092 |
| Average equity | $24,654,750 | 2,635 |
| Average total loans | $168,199,500 | 2,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 1,187 |
| Cost of funding earning assets | 1.8123% | 1,597 |
| Net interest margin | 4.0877% | 2,618 |
| Noninterest income to average assets | 0.5844% | 3,453 |
| Noninterest expense to average assets | 2.3515% | 6,217 |
| Loan and lease loss provision to assets | 0.1786% | 5,083 |
| Net operating income to assets | 1.2665% | 1,389 |
| Return on assets (ROA) | 1.2650% | 1,460 |
| Pretax return on assets | 1.7830% | 918 |
| Return on Equity (ROE) | 10.5130% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.5130% | 747 |
| Net charge-offs to loans | 0.0364% | 5,848 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 65.9667% | 472 |
| Efficiency ratio | 51.0922% | 7,141 |
| Assets per employee ($millions) | 4.5686% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 2,602 |
| Loan loss allowance to noncurrent loans | 527.9732% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 6,672 |
| Noncurrent loans to loans | 0.3484% | 6,538 |
| Net loans and leases to total assets | 81.8245% | 553 |
| Net loans and leases to deposits | 105.4057% | 423 |
| Net loans and leases to core deposits | 106.2767% | 1,415 |
| Total domestic deposits to total assets | 77.6282% | 6,361 |
| Equity capital to assets | 12.1522% | 2,012 |
| Core capital (leverage) ratio | 11.4426% | 1,942 |
| Tier 1 risk-based capital ratio | 14.5635% | 3,406 |
| Total risk-based capital ratio | 15.8227% | 3,364 |
| Memoranda: | ||
| Average total assets | $201,573,670 | 3,143 |
| Average earning assets | $183,965,000 | 3,149 |
| Average equity | $24,255,670 | 2,666 |
| Average total loans | $164,868,670 | 2,627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8842% | 1,237 |
| Cost of funding earning assets | 1.8227% | 1,786 |
| Net interest margin | 4.0615% | 2,606 |
| Noninterest income to average assets | 0.5592% | 3,574 |
| Noninterest expense to average assets | 2.3791% | 6,165 |
| Loan and lease loss provision to assets | 0.1804% | 4,721 |
| Net operating income to assets | 1.2095% | 1,519 |
| Return on assets (ROA) | 1.2066% | 1,600 |
| Pretax return on assets | 1.6937% | 1,070 |
| Return on Equity (ROE) | 10.0787% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.0787% | 1,123 |
| Net charge-offs to loans | 0.0247% | 5,231 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 93.7000% | 347 |
| Efficiency ratio | 52.4011% | 7,113 |
| Assets per employee ($millions) | 4.5853% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 2,447 |
| Loan loss allowance to noncurrent loans | 3,502.2727% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,354 |
| Noncurrent loans to loans | 0.0542% | 7,268 |
| Net loans and leases to total assets | 78.9059% | 992 |
| Net loans and leases to deposits | 100.7972% | 710 |
| Net loans and leases to core deposits | 101.6350% | 1,957 |
| Total domestic deposits to total assets | 78.2819% | 6,247 |
| Equity capital to assets | 12.0043% | 2,045 |
| Core capital (leverage) ratio | 11.2971% | 2,034 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,326 |
| Total risk-based capital ratio | 15.8494% | 3,283 |
| Memoranda: | ||
| Average total assets | $199,568,000 | 3,224 |
| Average earning assets | $181,706,500 | 3,235 |
| Average equity | $23,892,000 | 2,726 |
| Average total loans | $161,617,500 | 2,738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0553% | 1,657 |
| Cost of funding earning assets | 2.0724% | 2,610 |
| Net interest margin | 3.9829% | 2,927 |
| Noninterest income to average assets | 0.6011% | 3,625 |
| Noninterest expense to average assets | 2.5750% | 5,886 |
| Loan and lease loss provision to assets | 0.1835% | 5,868 |
| Net operating income to assets | 1.0457% | 1,685 |
| Return on assets (ROA) | 1.0981% | 1,554 |
| Pretax return on assets | 1.5445% | 1,088 |
| Return on Equity (ROE) | 9.4664% | 1,865 |
| Retained earnings to average equity (ytd only) | 9.4664% | 433 |
| Net charge-offs to loans | 0.0247% | 6,894 |
| Credit loss provision to net charge-offs | 936.8421% | 313 |
| Earnings coverage of net charge-offs (x) | 84.4474% | 324 |
| Efficiency ratio | 56.7894% | 6,917 |
| Assets per employee ($millions) | 4.3863% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 2,354 |
| Loan loss allowance to noncurrent loans | 3,850.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 7,359 |
| Noncurrent loans to loans | 0.0485% | 7,313 |
| Net loans and leases to total assets | 80.0246% | 988 |
| Net loans and leases to deposits | 105.8375% | 561 |
| Net loans and leases to core deposits | 112.2254% | 2,676 |
| Total domestic deposits to total assets | 75.6109% | 6,758 |
| Equity capital to assets | 11.9387% | 2,068 |
| Core capital (leverage) ratio | 11.2164% | 2,092 |
| Tier 1 risk-based capital ratio | 14.1953% | 3,381 |
| Total risk-based capital ratio | 15.4542% | 3,331 |
| Memoranda: | ||
| Average total assets | $193,979,800 | 3,245 |
| Average earning assets | $176,704,600 | 3,256 |
| Average equity | $22,500,600 | 2,889 |
| Average total loans | $153,795,000 | 2,863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0347% | 1,901 |
| Cost of funding earning assets | 2.1242% | 2,779 |
| Net interest margin | 3.9104% | 3,200 |
| Noninterest income to average assets | 0.6110% | 3,614 |
| Noninterest expense to average assets | 2.5585% | 5,863 |
| Loan and lease loss provision to assets | 0.1836% | 5,530 |
| Net operating income to assets | 1.0192% | 1,991 |
| Return on assets (ROA) | 1.0535% | 1,948 |
| Pretax return on assets | 1.4871% | 1,451 |
| Return on Equity (ROE) | 9.1507% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.1507% | 804 |
| Net charge-offs to loans | 0.0342% | 6,417 |
| Credit loss provision to net charge-offs | 682.0513% | 550 |
| Earnings coverage of net charge-offs (x) | 60.2550% | 549 |
| Efficiency ratio | 57.0343% | 6,871 |
| Assets per employee ($millions) | 4.2531% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,211 |
| Loan loss allowance to noncurrent loans | 1,025.3521% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 7,117 |
| Noncurrent loans to loans | 0.1778% | 7,050 |
| Net loans and leases to total assets | 78.4630% | 1,491 |
| Net loans and leases to deposits | 108.3258% | 538 |
| Net loans and leases to core deposits | 114.9409% | 2,733 |
| Total domestic deposits to total assets | 72.4324% | 7,158 |
| Equity capital to assets | 11.5329% | 2,557 |
| Core capital (leverage) ratio | 10.7520% | 2,604 |
| Tier 1 risk-based capital ratio | 13.8508% | 3,628 |
| Total risk-based capital ratio | 15.1088% | 3,570 |
| Memoranda: | ||
| Average total assets | $193,129,000 | 3,279 |
| Average earning assets | $176,310,500 | 3,286 |
| Average equity | $22,234,500 | 2,946 |
| Average total loans | $152,004,250 | 2,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0359% | 2,031 |
| Cost of funding earning assets | 2.2149% | 2,724 |
| Net interest margin | 3.8210% | 3,454 |
| Noninterest income to average assets | 0.5815% | 3,826 |
| Noninterest expense to average assets | 2.6185% | 5,667 |
| Loan and lease loss provision to assets | 0.1844% | 5,183 |
| Net operating income to assets | 0.9088% | 2,427 |
| Return on assets (ROA) | 0.9608% | 2,341 |
| Pretax return on assets | 1.3360% | 1,914 |
| Return on Equity (ROE) | 8.3510% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.3510% | 1,106 |
| Net charge-offs to loans | 0.0335% | 5,991 |
| Credit loss provision to net charge-offs | 704.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 55.2800% | 640 |
| Efficiency ratio | 60.0618% | 6,542 |
| Assets per employee ($millions) | 3.9960% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 1,860 |
| Loan loss allowance to noncurrent loans | 762.6344% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 7,041 |
| Noncurrent loans to loans | 0.2456% | 6,897 |
| Net loans and leases to total assets | 77.4909% | 1,866 |
| Net loans and leases to deposits | 98.6009% | 1,443 |
| Net loans and leases to core deposits | 104.9942% | 3,960 |
| Total domestic deposits to total assets | 78.5905% | 5,930 |
| Equity capital to assets | 11.6503% | 2,423 |
| Core capital (leverage) ratio | 10.8571% | 2,523 |
| Tier 1 risk-based capital ratio | 14.2236% | 3,391 |
| Total risk-based capital ratio | 15.4824% | 3,321 |
| Memoranda: | ||
| Average total assets | $190,872,670 | 3,333 |
| Average earning assets | $174,091,670 | 3,346 |
| Average equity | $21,961,330 | 2,976 |
| Average total loans | $149,419,670 | 2,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 2,110 |
| Cost of funding earning assets | 2.3418% | 2,539 |
| Net interest margin | 3.7182% | 3,814 |
| Noninterest income to average assets | 0.5462% | 3,959 |
| Noninterest expense to average assets | 2.5840% | 5,521 |
| Loan and lease loss provision to assets | 0.1891% | 4,551 |
| Net operating income to assets | 0.8352% | 2,973 |
| Return on assets (ROA) | 0.8382% | 3,109 |
| Pretax return on assets | 1.1596% | 2,768 |
| Return on Equity (ROE) | 7.3315% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.3315% | 2,085 |
| Net charge-offs to loans | 0.0728% | 4,462 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 23.7037% | 1,269 |
| Efficiency ratio | 61.2834% | 6,199 |
| Assets per employee ($millions) | 3.9721% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 1,669 |
| Loan loss allowance to noncurrent loans | 612.5000% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 6,817 |
| Noncurrent loans to loans | 0.3071% | 6,669 |
| Net loans and leases to total assets | 75.0829% | 2,484 |
| Net loans and leases to deposits | 95.4850% | 2,033 |
| Net loans and leases to core deposits | 101.8267% | 4,365 |
| Total domestic deposits to total assets | 78.6332% | 5,837 |
| Equity capital to assets | 11.5147% | 2,578 |
| Core capital (leverage) ratio | 10.6357% | 2,802 |
| Tier 1 risk-based capital ratio | 14.3584% | 3,390 |
| Total risk-based capital ratio | 15.6173% | 3,308 |
| Memoranda: | ||
| Average total assets | $190,405,500 | 3,355 |
| Average earning assets | $173,200,500 | 3,370 |
| Average equity | $21,769,000 | 3,005 |
| Average total loans | $148,394,500 | 3,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5420% | 2,750 |
| Cost of funding earning assets | 3.0281% | 1,764 |
| Net interest margin | 3.5139% | 5,251 |
| Noninterest income to average assets | 0.8541% | 2,205 |
| Noninterest expense to average assets | 2.4230% | 6,319 |
| Loan and lease loss provision to assets | 0.0751% | 6,464 |
| Net operating income to assets | 1.1592% | 1,911 |
| Return on assets (ROA) | 1.1797% | 1,774 |
| Pretax return on assets | 1.5674% | 1,492 |
| Return on Equity (ROE) | 10.9737% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.9737% | 329 |
| Net charge-offs to loans | -0.0014% | 7,728 |
| Credit loss provision to net charge-offs | -7,150.0000% | 7,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0078% | 7,147 |
| Assets per employee ($millions) | 3.9615% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 1,686 |
| Loan loss allowance to noncurrent loans | 2,331.3043% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 7,324 |
| Noncurrent loans to loans | 0.0762% | 7,195 |
| Net loans and leases to total assets | 77.9438% | 2,159 |
| Net loans and leases to deposits | 99.6075% | 1,888 |
| Net loans and leases to core deposits | 107.2904% | 4,048 |
| Total domestic deposits to total assets | 78.2510% | 5,629 |
| Equity capital to assets | 11.3510% | 2,750 |
| Core capital (leverage) ratio | 10.4294% | 3,041 |
| Tier 1 risk-based capital ratio | 13.6008% | 3,761 |
| Total risk-based capital ratio | 14.8585% | 3,660 |
| Memoranda: | ||
| Average total assets | $190,382,800 | 3,267 |
| Average earning assets | $172,515,400 | 3,292 |
| Average equity | $20,467,200 | 3,159 |
| Average total loans | $145,464,000 | 3,002 |