Home > Marine Bank > Performance and Condition Ratios
Marine Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,650 |
| Cost of funding earning assets | 0.1375% | 4,480 |
| Net interest margin | 3.7728% | 1,745 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 3.3005% | 700 |
| Loan and lease loss provision to assets | -0.2900% | 4,644 |
| Net operating income to assets | 1.5310% | 1,114 |
| Return on assets (ROA) | 1.5133% | 1,140 |
| Pretax return on assets | 1.5133% | 1,647 |
| Return on Equity (ROE) | 14.8000% | 1,595 |
| Retained earnings to average equity (ytd only) | 13.6460% | 987 |
| Net charge-offs to loans | -0.0024% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7533% | 1,467 |
| Assets per employee ($millions) | 4.2054% | 4,165 |
| Cash dividends to net income (ytd only)* | 7.7973% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,369 |
| Loan loss allowance to noncurrent loans | 84.9479% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 276 |
| Noncurrent loans to loans | 1.7301% | 359 |
| Net loans and leases to total assets | 73.5000% | 1,267 |
| Net loans and leases to deposits | 85.6604% | 1,383 |
| Net loans and leases to core deposits | 86.8736% | 1,808 |
| Total domestic deposits to total assets | 85.8100% | 2,649 |
| Equity capital to assets | 10.5832% | 1,517 |
| Core capital (leverage) ratio | 11.1794% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $677,966,500 | 1,345 |
| Average earning assets | $651,826,500 | 1,308 |
| Average equity | $69,324,500 | 1,254 |
| Average total loans | $496,485,500 | 1,235 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2168% | 3,793 |
| Cost of funding earning assets | 0.1453% | 4,148 |
| Net interest margin | 3.0715% | 3,255 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 3.0026% | 965 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.8266% | 3,229 |
| Return on assets (ROA) | 0.8266% | 3,159 |
| Pretax return on assets | 0.8390% | 3,520 |
| Return on Equity (ROE) | 8.6100% | 3,227 |
| Retained earnings to average equity (ytd only) | 2.7419% | 3,786 |
| Net charge-offs to loans | 0.0023% | 2,444 |
| Credit loss provision to net charge-offs | 7,272.7273% | 92 |
| Earnings coverage of net charge-offs (x) | 625.6364% | 274 |
| Efficiency ratio | 75.9765% | 1,010 |
| Assets per employee ($millions) | 4.0428% | 4,270 |
| Cash dividends to net income (ytd only)* | 68.1409% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,040 |
| Loan loss allowance to noncurrent loans | 84.3116% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 266 |
| Noncurrent loans to loans | 1.8549% | 315 |
| Net loans and leases to total assets | 70.7800% | 1,551 |
| Net loans and leases to deposits | 81.5166% | 1,656 |
| Net loans and leases to core deposits | 82.5485% | 1,967 |
| Total domestic deposits to total assets | 86.8200% | 2,453 |
| Equity capital to assets | 9.8772% | 1,769 |
| Core capital (leverage) ratio | 10.5197% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $724,878,400 | 1,278 |
| Average earning assets | $697,741,400 | 1,239 |
| Average equity | $69,623,400 | 1,258 |
| Average total loans | $486,111,000 | 1,200 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0239% | 3,844 |
| Cost of funding earning assets | 0.1546% | 3,803 |
| Net interest margin | 2.8693% | 3,569 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.9534% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8502% | 3,066 |
| Return on assets (ROA) | 0.8502% | 3,041 |
| Pretax return on assets | 0.8625% | 3,443 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.9369% | 2,383 |
| Net charge-offs to loans | 0.0028% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 328 |
| Efficiency ratio | 77.3971% | 961 |
| Assets per employee ($millions) | 3.9665% | 4,335 |
| Cash dividends to net income (ytd only)* | 22.1487% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,483 |
| Loan loss allowance to noncurrent loans | 64.3063% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 223 |
| Noncurrent loans to loans | 2.2371% | 256 |
| Net loans and leases to total assets | 66.4900% | 1,835 |
| Net loans and leases to deposits | 76.6590% | 1,823 |
| Net loans and leases to core deposits | 77.5954% | 2,069 |
| Total domestic deposits to total assets | 86.7300% | 2,845 |
| Equity capital to assets | 9.6749% | 1,785 |
| Core capital (leverage) ratio | 10.3934% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $734,280,250 | 1,277 |
| Average earning assets | $707,138,250 | 1,231 |
| Average equity | $70,058,500 | 1,262 |
| Average total loans | $484,101,500 | 1,205 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8673% | 3,858 |
| Cost of funding earning assets | 0.1700% | 3,313 |
| Net interest margin | 2.6973% | 3,702 |
| Noninterest income to average assets | 1.0347% | 621 |
| Noninterest expense to average assets | 2.9240% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6974% | 3,318 |
| Return on assets (ROA) | 0.6974% | 3,272 |
| Pretax return on assets | 0.7095% | 3,549 |
| Return on Equity (ROE) | 7.3424% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.3958% | 2,923 |
| Net charge-offs to loans | 0.0041% | 1,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 262.9000% | 448 |
| Efficiency ratio | 80.4724% | 909 |
| Assets per employee ($millions) | 3.9548% | 4,389 |
| Cash dividends to net income (ytd only)* | 40.1316% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,742 |
| Loan loss allowance to noncurrent loans | 58.5615% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.6260% | 205 |
| Noncurrent loans to loans | 2.3935% | 247 |
| Net loans and leases to total assets | 66.9823% | 1,587 |
| Net loans and leases to deposits | 76.5998% | 1,640 |
| Net loans and leases to core deposits | 77.6360% | 1,882 |
| Total domestic deposits to total assets | 87.4446% | 2,786 |
| Equity capital to assets | 9.4168% | 2,083 |
| Core capital (leverage) ratio | 9.8565% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $741,050,000 | 1,267 |
| Average earning assets | $713,984,333 | 1,228 |
| Average equity | $70,386,000 | 1,288 |
| Average total loans | $484,921,000 | 1,195 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8242% | 3,703 |
| Cost of funding earning assets | 0.1887% | 2,965 |
| Net interest margin | 2.6355% | 3,567 |
| Noninterest income to average assets | 0.9998% | 676 |
| Noninterest expense to average assets | 2.8727% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6553% | 3,214 |
| Return on assets (ROA) | 0.6553% | 3,193 |
| Pretax return on assets | 0.6676% | 3,480 |
| Return on Equity (ROE) | 6.8707% | 3,079 |
| Retained earnings to average equity (ytd only) | 3.7859% | 3,012 |
| Net charge-offs to loans | 0.0092% | 1,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 113.4545% | 633 |
| Efficiency ratio | 81.1423% | 1,061 |
| Assets per employee ($millions) | 4.1551% | 4,326 |
| Cash dividends to net income (ytd only)* | 44.8980% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,800 |
| Loan loss allowance to noncurrent loans | 167.0605% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 1,100 |
| Noncurrent loans to loans | 0.8558% | 1,093 |
| Net loans and leases to total assets | 63.1649% | 1,722 |
| Net loans and leases to deposits | 72.9194% | 1,710 |
| Net loans and leases to core deposits | 74.5837% | 1,890 |
| Total domestic deposits to total assets | 86.6229% | 3,065 |
| Equity capital to assets | 9.2820% | 2,458 |
| Core capital (leverage) ratio | 9.7063% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $747,736,500 | 1,262 |
| Average earning assets | $720,774,000 | 1,227 |
| Average equity | $71,317,000 | 1,308 |
| Average total loans | $480,209,500 | 1,197 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0992% | 3,684 |
| Cost of funding earning assets | 0.2878% | 2,526 |
| Net interest margin | 2.8114% | 3,634 |
| Noninterest income to average assets | 1.5495% | 469 |
| Noninterest expense to average assets | 3.0016% | 975 |
| Loan and lease loss provision to assets | 0.0828% | 1,486 |
| Net operating income to assets | 1.1553% | 2,082 |
| Return on assets (ROA) | 1.1553% | 2,142 |
| Pretax return on assets | 1.1716% | 2,755 |
| Return on Equity (ROE) | 11.5062% | 1,984 |
| Retained earnings to average equity (ytd only) | 2.9742% | 3,639 |
| Net charge-offs to loans | 0.0039% | 2,468 |
| Credit loss provision to net charge-offs | 3,157.8947% | 212 |
| Earnings coverage of net charge-offs (x) | 478.2105% | 285 |
| Efficiency ratio | 70.4308% | 1,690 |
| Assets per employee ($millions) | 4.1530% | 4,355 |
| Cash dividends to net income (ytd only)* | 74.1515% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,704 |
| Loan loss allowance to noncurrent loans | 203.7885% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 1,431 |
| Noncurrent loans to loans | 0.7156% | 1,422 |
| Net loans and leases to total assets | 63.4271% | 1,770 |
| Net loans and leases to deposits | 74.3331% | 1,702 |
| Net loans and leases to core deposits | 77.0494% | 1,837 |
| Total domestic deposits to total assets | 85.3281% | 3,162 |
| Equity capital to assets | 9.7993% | 2,850 |
| Core capital (leverage) ratio | 9.7444% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $724,284,200 | 1,256 |
| Average earning assets | $697,273,600 | 1,224 |
| Average equity | $72,725,800 | 1,309 |
| Average total loans | $484,566,400 | 1,191 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1363% | 3,733 |
| Cost of funding earning assets | 0.3016% | 2,578 |
| Net interest margin | 2.8347% | 3,696 |
| Noninterest income to average assets | 1.4317% | 590 |
| Noninterest expense to average assets | 3.0089% | 955 |
| Loan and lease loss provision to assets | 0.1110% | 1,088 |
| Net operating income to assets | 1.0264% | 2,814 |
| Return on assets (ROA) | 1.0264% | 2,878 |
| Pretax return on assets | 1.0403% | 3,349 |
| Return on Equity (ROE) | 10.1595% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.3151% | 3,095 |
| Net charge-offs to loans | 0.0025% | 2,276 |
| Credit loss provision to net charge-offs | 6,666.6667% | 119 |
| Earnings coverage of net charge-offs (x) | 691.3333% | 231 |
| Efficiency ratio | 72.2101% | 1,384 |
| Assets per employee ($millions) | 3.8929% | 4,507 |
| Cash dividends to net income (ytd only)* | 47.6834% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,742 |
| Loan loss allowance to noncurrent loans | 186.8011% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 1,477 |
| Noncurrent loans to loans | 0.7874% | 1,435 |
| Net loans and leases to total assets | 64.6374% | 1,696 |
| Net loans and leases to deposits | 76.5108% | 1,622 |
| Net loans and leases to core deposits | 79.3723% | 1,790 |
| Total domestic deposits to total assets | 84.4815% | 3,308 |
| Equity capital to assets | 10.2773% | 2,634 |
| Core capital (leverage) ratio | 9.9333% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,545,750 | 1,279 |
| Average earning assets | $693,581,500 | 1,242 |
| Average equity | $72,797,250 | 1,325 |
| Average total loans | $486,754,000 | 1,208 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1349% | 3,792 |
| Cost of funding earning assets | 0.3196% | 2,588 |
| Net interest margin | 2.8152% | 3,759 |
| Noninterest income to average assets | 1.4692% | 559 |
| Noninterest expense to average assets | 3.0214% | 952 |
| Loan and lease loss provision to assets | 0.1665% | 704 |
| Net operating income to assets | 0.9783% | 2,966 |
| Return on assets (ROA) | 0.9783% | 3,054 |
| Pretax return on assets | 0.9921% | 3,459 |
| Return on Equity (ROE) | 9.7388% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.3598% | 3,049 |
| Net charge-offs to loans | 0.0041% | 2,010 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 417.5000% | 305 |
| Efficiency ratio | 72.1684% | 1,420 |
| Assets per employee ($millions) | 3.7217% | 4,594 |
| Cash dividends to net income (ytd only)* | 44.9645% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 1,850 |
| Loan loss allowance to noncurrent loans | 176.7489% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 1,529 |
| Noncurrent loans to loans | 0.8089% | 1,518 |
| Net loans and leases to total assets | 66.3488% | 1,655 |
| Net loans and leases to deposits | 77.9135% | 1,636 |
| Net loans and leases to core deposits | 80.7392% | 1,824 |
| Total domestic deposits to total assets | 85.1570% | 3,034 |
| Equity capital to assets | 10.1084% | 2,756 |
| Core capital (leverage) ratio | 9.7053% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,664,000 | 1,268 |
| Average earning assets | $693,940,667 | 1,232 |
| Average equity | $72,391,000 | 1,320 |
| Average total loans | $491,518,000 | 1,204 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 3,957 |
| Cost of funding earning assets | 0.3298% | 2,707 |
| Net interest margin | 2.7347% | 3,893 |
| Noninterest income to average assets | 1.5145% | 587 |
| Noninterest expense to average assets | 3.0422% | 925 |
| Loan and lease loss provision to assets | 0.1667% | 751 |
| Net operating income to assets | 0.9267% | 3,057 |
| Return on assets (ROA) | 0.9267% | 3,131 |
| Pretax return on assets | 0.9406% | 3,514 |
| Return on Equity (ROE) | 9.2545% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.0061% | 2,231 |
| Net charge-offs to loans | 0.0113% | 1,526 |
| Credit loss provision to net charge-offs | 2,142.8571% | 237 |
| Earnings coverage of net charge-offs (x) | 142.3571% | 503 |
| Efficiency ratio | 73.1959% | 1,382 |
| Assets per employee ($millions) | 3.8758% | 4,549 |
| Cash dividends to net income (ytd only)* | 13.4892% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,281 |
| Loan loss allowance to noncurrent loans | 158.3413% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 1,669 |
| Noncurrent loans to loans | 0.8420% | 1,589 |
| Net loans and leases to total assets | 66.4184% | 1,742 |
| Net loans and leases to deposits | 78.1932% | 1,700 |
| Net loans and leases to core deposits | 82.0144% | 1,836 |
| Total domestic deposits to total assets | 84.9414% | 3,122 |
| Equity capital to assets | 9.8075% | 2,885 |
| Core capital (leverage) ratio | 9.9689% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $719,993,500 | 1,255 |
| Average earning assets | $693,741,000 | 1,224 |
| Average equity | $72,095,000 | 1,319 |
| Average total loans | $494,282,000 | 1,196 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 3,863 |
| Cost of funding earning assets | 0.4853% | 3,043 |
| Net interest margin | 3.0886% | 3,659 |
| Noninterest income to average assets | 1.6609% | 454 |
| Noninterest expense to average assets | 3.1822% | 1,087 |
| Loan and lease loss provision to assets | 0.1783% | 2,168 |
| Net operating income to assets | 1.2397% | 1,417 |
| Return on assets (ROA) | 1.2397% | 1,523 |
| Pretax return on assets | 1.2605% | 2,117 |
| Return on Equity (ROE) | 11.4261% | 1,486 |
| Retained earnings to average equity (ytd only) | 1.7184% | 3,941 |
| Net charge-offs to loans | 0.0074% | 3,068 |
| Credit loss provision to net charge-offs | 3,243.2432% | 306 |
| Earnings coverage of net charge-offs (x) | 261.7568% | 382 |
| Efficiency ratio | 68.7520% | 2,130 |
| Assets per employee ($millions) | 3.6067% | 4,608 |
| Cash dividends to net income (ytd only)* | 84.9611% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,428 |
| Loan loss allowance to noncurrent loans | 144.4015% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 1,674 |
| Noncurrent loans to loans | 0.8981% | 1,568 |
| Net loans and leases to total assets | 69.1546% | 1,664 |
| Net loans and leases to deposits | 81.0785% | 1,755 |
| Net loans and leases to core deposits | 86.5224% | 1,824 |
| Total domestic deposits to total assets | 85.2934% | 2,655 |
| Equity capital to assets | 10.2310% | 2,902 |
| Core capital (leverage) ratio | 10.0194% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $673,147,600 | 1,213 |
| Average earning assets | $645,145,200 | 1,185 |
| Average equity | $73,034,400 | 1,247 |
| Average total loans | $498,159,200 | 1,141 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 3,863 |
| Cost of funding earning assets | 0.5130% | 3,149 |
| Net interest margin | 3.1555% | 3,606 |
| Noninterest income to average assets | 1.5847% | 473 |
| Noninterest expense to average assets | 3.1807% | 1,099 |
| Loan and lease loss provision to assets | 0.1650% | 2,352 |
| Net operating income to assets | 1.2437% | 1,507 |
| Return on assets (ROA) | 1.2437% | 1,621 |
| Pretax return on assets | 1.2601% | 2,192 |
| Return on Equity (ROE) | 11.2937% | 1,589 |
| Retained earnings to average equity (ytd only) | 6.2436% | 2,000 |
| Net charge-offs to loans | 0.0117% | 2,686 |
| Credit loss provision to net charge-offs | 1,875.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 161.9091% | 571 |
| Efficiency ratio | 68.9454% | 2,051 |
| Assets per employee ($millions) | 3.6199% | 4,598 |
| Cash dividends to net income (ytd only)* | 44.7161% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,798 |
| Loan loss allowance to noncurrent loans | 176.1273% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 1,550 |
| Noncurrent loans to loans | 0.6681% | 2,115 |
| Net loans and leases to total assets | 73.3591% | 1,448 |
| Net loans and leases to deposits | 86.1983% | 1,674 |
| Net loans and leases to core deposits | 92.5147% | 1,750 |
| Total domestic deposits to total assets | 85.1051% | 2,392 |
| Equity capital to assets | 11.0471% | 2,364 |
| Core capital (leverage) ratio | 10.6879% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $666,508,000 | 1,207 |
| Average earning assets | $638,107,250 | 1,182 |
| Average equity | $73,396,250 | 1,230 |
| Average total loans | $500,139,750 | 1,124 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,083 |
| Cost of funding earning assets | 0.5413% | 3,285 |
| Net interest margin | 3.1625% | 3,758 |
| Noninterest income to average assets | 1.4353% | 509 |
| Noninterest expense to average assets | 3.1731% | 1,207 |
| Loan and lease loss provision to assets | 0.1362% | 2,655 |
| Net operating income to assets | 1.1374% | 1,845 |
| Return on assets (ROA) | 1.1374% | 1,967 |
| Pretax return on assets | 1.1525% | 2,537 |
| Return on Equity (ROE) | 10.3401% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.7714% | 2,168 |
| Net charge-offs to loans | 0.0177% | 2,374 |
| Credit loss provision to net charge-offs | 1,022.7273% | 778 |
| Earnings coverage of net charge-offs (x) | 96.7500% | 711 |
| Efficiency ratio | 70.9934% | 1,824 |
| Assets per employee ($millions) | 3.6887% | 4,556 |
| Cash dividends to net income (ytd only)* | 44.1842% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,016 |
| Loan loss allowance to noncurrent loans | 155.1094% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 1,593 |
| Noncurrent loans to loans | 0.7135% | 2,096 |
| Net loans and leases to total assets | 72.9455% | 1,566 |
| Net loans and leases to deposits | 85.6615% | 1,807 |
| Net loans and leases to core deposits | 91.7848% | 1,922 |
| Total domestic deposits to total assets | 85.1556% | 2,331 |
| Equity capital to assets | 10.7981% | 2,494 |
| Core capital (leverage) ratio | 10.5293% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $660,624,333 | 1,198 |
| Average earning assets | $632,216,333 | 1,167 |
| Average equity | $72,668,333 | 1,230 |
| Average total loans | $497,563,333 | 1,121 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 4,113 |
| Cost of funding earning assets | 0.5696% | 3,594 |
| Net interest margin | 3.2898% | 3,614 |
| Noninterest income to average assets | 1.2125% | 597 |
| Noninterest expense to average assets | 3.2030% | 1,414 |
| Loan and lease loss provision to assets | 0.0463% | 3,197 |
| Net operating income to assets | 1.0928% | 1,868 |
| Return on assets (ROA) | 1.0928% | 1,966 |
| Pretax return on assets | 1.1082% | 2,492 |
| Return on Equity (ROE) | 9.8388% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.4491% | 1,113 |
| Net charge-offs to loans | 0.0462% | 1,558 |
| Credit loss provision to net charge-offs | 131.5789% | 1,657 |
| Earnings coverage of net charge-offs (x) | 32.8070% | 1,123 |
| Efficiency ratio | 73.3777% | 1,895 |
| Assets per employee ($millions) | 3.4172% | 4,549 |
| Cash dividends to net income (ytd only)* | 14.1243% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,403 |
| Loan loss allowance to noncurrent loans | 123.6480% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 1,471 |
| Noncurrent loans to loans | 0.8579% | 1,898 |
| Net loans and leases to total assets | 74.1075% | 1,584 |
| Net loans and leases to deposits | 87.8625% | 1,761 |
| Net loans and leases to core deposits | 95.1859% | 1,867 |
| Total domestic deposits to total assets | 84.3448% | 2,649 |
| Equity capital to assets | 11.0874% | 2,787 |
| Core capital (leverage) ratio | 11.0637% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $647,891,500 | 1,191 |
| Average earning assets | $619,361,500 | 1,152 |
| Average equity | $71,960,000 | 1,237 |
| Average total loans | $493,308,500 | 1,106 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 4,096 |
| Cost of funding earning assets | 0.5813% | 3,713 |
| Net interest margin | 3.4925% | 3,472 |
| Noninterest income to average assets | 1.4592% | 437 |
| Noninterest expense to average assets | 3.3668% | 1,170 |
| Loan and lease loss provision to assets | 0.2212% | 878 |
| Net operating income to assets | 1.1951% | 2,077 |
| Return on assets (ROA) | 1.1951% | 2,175 |
| Pretax return on assets | 1.2099% | 2,806 |
| Return on Equity (ROE) | 10.7788% | 1,976 |
| Retained earnings to average equity (ytd only) | 1.2652% | 4,284 |
| Net charge-offs to loans | 0.3805% | 519 |
| Credit loss provision to net charge-offs | 74.7904% | 2,857 |
| Earnings coverage of net charge-offs (x) | 4.8391% | 3,163 |
| Efficiency ratio | 70.0588% | 2,164 |
| Assets per employee ($millions) | 3.3144% | 4,632 |
| Cash dividends to net income (ytd only)* | 88.2620% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,219 |
| Loan loss allowance to noncurrent loans | 101.1884% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.0765% | 1,148 |
| Noncurrent loans to loans | 1.0366% | 1,460 |
| Net loans and leases to total assets | 76.5991% | 1,311 |
| Net loans and leases to deposits | 89.6763% | 1,633 |
| Net loans and leases to core deposits | 97.3972% | 1,780 |
| Total domestic deposits to total assets | 85.4173% | 2,339 |
| Equity capital to assets | 11.1267% | 2,880 |
| Core capital (leverage) ratio | 10.9937% | 2,506 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,043 |
| Total risk-based capital ratio | 13.4848% | 4,095 |
| Memoranda: | ||
| Average total assets | $645,155,800 | 1,158 |
| Average earning assets | $616,751,200 | 1,119 |
| Average equity | $71,529,200 | 1,204 |
| Average total loans | $501,475,400 | 1,075 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 4,159 |
| Cost of funding earning assets | 0.5759% | 3,791 |
| Net interest margin | 3.5211% | 3,499 |
| Noninterest income to average assets | 1.3543% | 503 |
| Noninterest expense to average assets | 3.2944% | 1,281 |
| Loan and lease loss provision to assets | 0.2633% | 595 |
| Net operating income to assets | 1.1446% | 2,390 |
| Return on assets (ROA) | 1.1446% | 2,479 |
| Pretax return on assets | 1.1629% | 3,094 |
| Return on Equity (ROE) | 10.3324% | 2,281 |
| Retained earnings to average equity (ytd only) | 5.3617% | 2,697 |
| Net charge-offs to loans | 0.5070% | 335 |
| Credit loss provision to net charge-offs | 66.7538% | 2,650 |
| Earnings coverage of net charge-offs (x) | 3.6153% | 3,085 |
| Efficiency ratio | 69.6693% | 2,166 |
| Assets per employee ($millions) | 3.1380% | 4,806 |
| Cash dividends to net income (ytd only)* | 48.1081% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,432 |
| Loan loss allowance to noncurrent loans | 81.3297% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 982 |
| Noncurrent loans to loans | 1.2601% | 1,239 |
| Net loans and leases to total assets | 77.1723% | 1,287 |
| Net loans and leases to deposits | 90.6412% | 1,616 |
| Net loans and leases to core deposits | 98.7008% | 1,773 |
| Total domestic deposits to total assets | 85.1405% | 2,372 |
| Equity capital to assets | 11.6103% | 2,590 |
| Core capital (leverage) ratio | 11.2620% | 2,415 |
| Tier 1 risk-based capital ratio | 12.9692% | 3,865 |
| Total risk-based capital ratio | 13.8810% | 3,939 |
| Memoranda: | ||
| Average total assets | $646,526,000 | 1,150 |
| Average earning assets | $618,132,750 | 1,114 |
| Average equity | $71,617,750 | 1,197 |
| Average total loans | $503,049,500 | 1,071 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 4,229 |
| Cost of funding earning assets | 0.5611% | 3,831 |
| Net interest margin | 3.5091% | 3,571 |
| Noninterest income to average assets | 1.3069% | 513 |
| Noninterest expense to average assets | 3.2501% | 1,399 |
| Loan and lease loss provision to assets | 0.2998% | 464 |
| Net operating income to assets | 1.0918% | 2,558 |
| Return on assets (ROA) | 1.0918% | 2,626 |
| Pretax return on assets | 1.1132% | 3,194 |
| Return on Equity (ROE) | 10.0112% | 2,381 |
| Retained earnings to average equity (ytd only) | 5.0028% | 2,769 |
| Net charge-offs to loans | 0.7553% | 190 |
| Credit loss provision to net charge-offs | 51.0449% | 2,468 |
| Earnings coverage of net charge-offs (x) | 2.4060% | 2,944 |
| Efficiency ratio | 69.5795% | 2,295 |
| Assets per employee ($millions) | 3.2630% | 4,726 |
| Cash dividends to net income (ytd only)* | 50.0281% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 3,967 |
| Loan loss allowance to noncurrent loans | 74.1976% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 1,027 |
| Noncurrent loans to loans | 1.2512% | 1,269 |
| Net loans and leases to total assets | 78.6748% | 1,092 |
| Net loans and leases to deposits | 91.4845% | 1,560 |
| Net loans and leases to core deposits | 100.2883% | 1,698 |
| Total domestic deposits to total assets | 85.9980% | 2,034 |
| Equity capital to assets | 11.2209% | 2,838 |
| Core capital (leverage) ratio | 10.8639% | 2,726 |
| Tier 1 risk-based capital ratio | 12.4370% | 4,164 |
| Total risk-based capital ratio | 13.2721% | 4,291 |
| Memoranda: | ||
| Average total assets | $651,789,670 | 1,144 |
| Average earning assets | $623,414,670 | 1,109 |
| Average equity | $71,080,330 | 1,195 |
| Average total loans | $506,801,670 | 1,065 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0057% | 4,356 |
| Cost of funding earning assets | 0.5353% | 3,898 |
| Net interest margin | 3.4705% | 3,678 |
| Noninterest income to average assets | 1.1294% | 637 |
| Noninterest expense to average assets | 3.1328% | 1,650 |
| Loan and lease loss provision to assets | 0.0469% | 2,710 |
| Net operating income to assets | 1.2476% | 1,900 |
| Return on assets (ROA) | 1.2476% | 1,945 |
| Pretax return on assets | 1.2690% | 2,573 |
| Return on Equity (ROE) | 11.6050% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.1877% | 990 |
| Net charge-offs to loans | 0.0198% | 2,060 |
| Credit loss provision to net charge-offs | 308.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 86.3600% | 725 |
| Efficiency ratio | 70.2973% | 2,290 |
| Assets per employee ($millions) | 3.3295% | 4,716 |
| Cash dividends to net income (ytd only)* | 12.2130% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 2,995 |
| Loan loss allowance to noncurrent loans | 68.4922% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5238% | 776 |
| Noncurrent loans to loans | 1.6402% | 959 |
| Net loans and leases to total assets | 76.0876% | 1,464 |
| Net loans and leases to deposits | 87.9593% | 1,877 |
| Net loans and leases to core deposits | 98.0441% | 1,771 |
| Total domestic deposits to total assets | 86.5032% | 2,067 |
| Equity capital to assets | 10.8109% | 3,038 |
| Core capital (leverage) ratio | 10.8656% | 2,698 |
| Tier 1 risk-based capital ratio | 12.3393% | 4,277 |
| Total risk-based capital ratio | 13.3406% | 4,302 |
| Memoranda: | ||
| Average total assets | $656,281,000 | 1,145 |
| Average earning assets | $627,698,500 | 1,101 |
| Average equity | $70,556,000 | 1,199 |
| Average total loans | $504,969,500 | 1,068 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 4,128 |
| Cost of funding earning assets | 0.4436% | 3,722 |
| Net interest margin | 3.5217% | 3,631 |
| Noninterest income to average assets | 1.2760% | 575 |
| Noninterest expense to average assets | 3.2307% | 1,478 |
| Loan and lease loss provision to assets | 0.0947% | 2,259 |
| Net operating income to assets | 1.2934% | 1,833 |
| Return on assets (ROA) | 1.2927% | 1,821 |
| Pretax return on assets | 1.3145% | 2,449 |
| Return on Equity (ROE) | 11.9909% | 1,718 |
| Retained earnings to average equity (ytd only) | 2.6467% | 4,081 |
| Net charge-offs to loans | -0.0051% | 4,355 |
| Credit loss provision to net charge-offs | -2,342.3077% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4961% | 2,287 |
| Assets per employee ($millions) | 3.2338% | 4,796 |
| Cash dividends to net income (ytd only)* | 77.9275% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,904 |
| Loan loss allowance to noncurrent loans | 101.8299% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1242% | 1,185 |
| Noncurrent loans to loans | 1.1146% | 1,451 |
| Net loans and leases to total assets | 76.0627% | 1,601 |
| Net loans and leases to deposits | 88.4639% | 1,996 |
| Net loans and leases to core deposits | 98.8640% | 1,800 |
| Total domestic deposits to total assets | 85.9816% | 2,238 |
| Equity capital to assets | 10.6897% | 2,999 |
| Core capital (leverage) ratio | 10.7073% | 2,828 |
| Tier 1 risk-based capital ratio | 12.1124% | 4,358 |
| Total risk-based capital ratio | 13.1120% | 4,403 |
| Memoranda: | ||
| Average total assets | $642,769,800 | 1,126 |
| Average earning assets | $614,111,000 | 1,096 |
| Average equity | $69,294,400 | 1,169 |
| Average total loans | $513,817,600 | 1,020 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 4,113 |
| Cost of funding earning assets | 0.4169% | 3,748 |
| Net interest margin | 3.5206% | 3,630 |
| Noninterest income to average assets | 1.2947% | 575 |
| Noninterest expense to average assets | 3.2411% | 1,433 |
| Loan and lease loss provision to assets | 0.1098% | 1,838 |
| Net operating income to assets | 1.2874% | 1,907 |
| Return on assets (ROA) | 1.2864% | 1,910 |
| Pretax return on assets | 1.3065% | 2,602 |
| Return on Equity (ROE) | 11.9068% | 1,823 |
| Retained earnings to average equity (ytd only) | 6.1498% | 2,581 |
| Net charge-offs to loans | -0.0064% | 4,282 |
| Credit loss provision to net charge-offs | -2,112.0000% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4530% | 2,277 |
| Assets per employee ($millions) | 3.1622% | 4,917 |
| Cash dividends to net income (ytd only)* | 48.3506% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,165 |
| Loan loss allowance to noncurrent loans | 94.4454% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 1,157 |
| Noncurrent loans to loans | 1.1695% | 1,441 |
| Net loans and leases to total assets | 78.7985% | 1,196 |
| Net loans and leases to deposits | 91.9362% | 1,634 |
| Net loans and leases to core deposits | 103.3861% | 1,500 |
| Total domestic deposits to total assets | 85.7100% | 2,321 |
| Equity capital to assets | 11.1081% | 2,564 |
| Core capital (leverage) ratio | 10.9546% | 2,626 |
| Tier 1 risk-based capital ratio | 12.1673% | 4,398 |
| Total risk-based capital ratio | 13.1379% | 4,438 |
| Memoranda: | ||
| Average total assets | $640,964,750 | 1,129 |
| Average earning assets | $612,422,750 | 1,098 |
| Average equity | $69,247,500 | 1,168 |
| Average total loans | $517,253,000 | 1,011 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 4,169 |
| Cost of funding earning assets | 0.3816% | 3,857 |
| Net interest margin | 3.4844% | 3,691 |
| Noninterest income to average assets | 1.2331% | 634 |
| Noninterest expense to average assets | 3.2152% | 1,504 |
| Loan and lease loss provision to assets | 0.1410% | 1,386 |
| Net operating income to assets | 1.1896% | 2,241 |
| Return on assets (ROA) | 1.1893% | 2,241 |
| Pretax return on assets | 1.2064% | 2,918 |
| Return on Equity (ROE) | 11.1112% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.8783% | 2,622 |
| Net charge-offs to loans | -0.0084% | 4,264 |
| Credit loss provision to net charge-offs | -2,059.0909% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3423% | 2,256 |
| Assets per employee ($millions) | 3.1579% | 4,972 |
| Cash dividends to net income (ytd only)* | 47.0958% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,574 |
| Loan loss allowance to noncurrent loans | 109.9681% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 1,413 |
| Noncurrent loans to loans | 0.9486% | 1,834 |
| Net loans and leases to total assets | 81.6278% | 752 |
| Net loans and leases to deposits | 96.7840% | 1,057 |
| Net loans and leases to core deposits | 104.8939% | 1,321 |
| Total domestic deposits to total assets | 84.3402% | 2,938 |
| Equity capital to assets | 10.8364% | 2,797 |
| Core capital (leverage) ratio | 10.7991% | 2,703 |
| Tier 1 risk-based capital ratio | 11.3893% | 4,844 |
| Total risk-based capital ratio | 12.3004% | 4,921 |
| Memoranda: | ||
| Average total assets | $642,750,670 | 1,132 |
| Average earning assets | $614,229,330 | 1,098 |
| Average equity | $68,795,330 | 1,173 |
| Average total loans | $520,856,330 | 1,005 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,233 |
| Cost of funding earning assets | 0.3708% | 3,825 |
| Net interest margin | 3.4246% | 3,798 |
| Noninterest income to average assets | 1.1678% | 675 |
| Noninterest expense to average assets | 3.1920% | 1,582 |
| Loan and lease loss provision to assets | 0.1417% | 1,330 |
| Net operating income to assets | 1.0889% | 2,477 |
| Return on assets (ROA) | 1.0889% | 2,493 |
| Pretax return on assets | 1.1063% | 3,149 |
| Return on Equity (ROE) | 10.2367% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.0681% | 1,439 |
| Net charge-offs to loans | -0.0070% | 4,122 |
| Credit loss provision to net charge-offs | -2,533.3333% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7665% | 2,225 |
| Assets per employee ($millions) | 3.2639% | 4,941 |
| Cash dividends to net income (ytd only)* | 11.4155% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,887 |
| Loan loss allowance to noncurrent loans | 103.3686% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 1,477 |
| Noncurrent loans to loans | 0.9778% | 1,866 |
| Net loans and leases to total assets | 79.9898% | 935 |
| Net loans and leases to deposits | 93.7487% | 1,249 |
| Net loans and leases to core deposits | 101.4862% | 1,573 |
| Total domestic deposits to total assets | 85.3236% | 2,818 |
| Equity capital to assets | 10.6802% | 2,883 |
| Core capital (leverage) ratio | 10.7255% | 2,710 |
| Tier 1 risk-based capital ratio | 11.3498% | 4,953 |
| Total risk-based capital ratio | 12.2247% | 5,044 |
| Memoranda: | ||
| Average total assets | $643,599,000 | 1,147 |
| Average earning assets | $614,962,000 | 1,112 |
| Average equity | $68,459,500 | 1,188 |
| Average total loans | $516,887,500 | 1,016 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,365 |
| Cost of funding earning assets | 0.3032% | 4,113 |
| Net interest margin | 3.3848% | 3,900 |
| Noninterest income to average assets | 1.3068% | 620 |
| Noninterest expense to average assets | 3.3200% | 1,334 |
| Loan and lease loss provision to assets | 0.0855% | 2,487 |
| Net operating income to assets | 1.1105% | 1,823 |
| Return on assets (ROA) | 1.1060% | 1,859 |
| Pretax return on assets | 1.1250% | 3,087 |
| Return on Equity (ROE) | 10.1706% | 1,816 |
| Retained earnings to average equity (ytd only) | 2.5765% | 3,780 |
| Net charge-offs to loans | 0.0335% | 3,120 |
| Credit loss provision to net charge-offs | 327.6074% | 877 |
| Earnings coverage of net charge-offs (x) | 46.5399% | 1,154 |
| Efficiency ratio | 73.0776% | 2,049 |
| Assets per employee ($millions) | 3.2047% | 5,025 |
| Cash dividends to net income (ytd only)* | 74.6669% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 4,026 |
| Loan loss allowance to noncurrent loans | 152.7113% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 1,985 |
| Noncurrent loans to loans | 0.6453% | 2,612 |
| Net loans and leases to total assets | 79.0270% | 1,115 |
| Net loans and leases to deposits | 93.0416% | 1,385 |
| Net loans and leases to core deposits | 100.9147% | 1,641 |
| Total domestic deposits to total assets | 84.9373% | 2,862 |
| Equity capital to assets | 10.5934% | 3,058 |
| Core capital (leverage) ratio | 10.6086% | 2,733 |
| Tier 1 risk-based capital ratio | 11.2935% | 4,987 |
| Total risk-based capital ratio | 12.1440% | 5,092 |
| Memoranda: | ||
| Average total assets | $624,250,000 | 1,158 |
| Average earning assets | $595,394,400 | 1,123 |
| Average equity | $67,882,000 | 1,180 |
| Average total loans | $486,682,000 | 1,053 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 4,470 |
| Cost of funding earning assets | 0.2795% | 4,318 |
| Net interest margin | 3.3578% | 3,988 |
| Noninterest income to average assets | 1.3157% | 610 |
| Noninterest expense to average assets | 3.3442% | 1,255 |
| Loan and lease loss provision to assets | 0.0645% | 2,783 |
| Net operating income to assets | 1.0907% | 2,126 |
| Return on assets (ROA) | 1.0846% | 2,212 |
| Pretax return on assets | 1.1018% | 3,293 |
| Return on Equity (ROE) | 9.9077% | 2,174 |
| Retained earnings to average equity (ytd only) | 5.0855% | 2,825 |
| Net charge-offs to loans | 0.0475% | 2,492 |
| Credit loss provision to net charge-offs | 175.4386% | 1,500 |
| Earnings coverage of net charge-offs (x) | 31.8895% | 1,498 |
| Efficiency ratio | 73.9122% | 1,908 |
| Assets per employee ($millions) | 3.1476% | 5,124 |
| Cash dividends to net income (ytd only)* | 48.6716% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 4,392 |
| Loan loss allowance to noncurrent loans | 137.5466% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 1,790 |
| Noncurrent loans to loans | 0.6812% | 2,667 |
| Net loans and leases to total assets | 80.5943% | 901 |
| Net loans and leases to deposits | 97.3298% | 982 |
| Net loans and leases to core deposits | 103.1073% | 1,458 |
| Total domestic deposits to total assets | 82.8054% | 3,522 |
| Equity capital to assets | 10.9879% | 2,878 |
| Core capital (leverage) ratio | 10.8385% | 2,608 |
| Tier 1 risk-based capital ratio | 11.3177% | 5,061 |
| Total risk-based capital ratio | 12.1192% | 5,211 |
| Memoranda: | ||
| Average total assets | $620,075,250 | 1,175 |
| Average earning assets | $591,126,250 | 1,136 |
| Average equity | $67,878,000 | 1,184 |
| Average total loans | $480,461,500 | 1,072 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,656 |
| Cost of funding earning assets | 0.2431% | 4,609 |
| Net interest margin | 3.2967% | 4,116 |
| Noninterest income to average assets | 1.2945% | 621 |
| Noninterest expense to average assets | 3.3385% | 1,297 |
| Loan and lease loss provision to assets | 0.0243% | 3,514 |
| Net operating income to assets | 1.0593% | 2,168 |
| Return on assets (ROA) | 1.0500% | 2,249 |
| Pretax return on assets | 1.0659% | 3,314 |
| Return on Equity (ROE) | 9.6046% | 2,212 |
| Retained earnings to average equity (ytd only) | 4.9936% | 2,714 |
| Net charge-offs to loans | 0.0745% | 1,874 |
| Credit loss provision to net charge-offs | 42.8571% | 2,618 |
| Earnings coverage of net charge-offs (x) | 19.3829% | 1,837 |
| Efficiency ratio | 75.0913% | 1,842 |
| Assets per employee ($millions) | 3.1109% | 5,182 |
| Cash dividends to net income (ytd only)* | 48.0086% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 4,596 |
| Loan loss allowance to noncurrent loans | 147.6898% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 1,979 |
| Noncurrent loans to loans | 0.6161% | 2,883 |
| Net loans and leases to total assets | 79.6126% | 1,008 |
| Net loans and leases to deposits | 94.5627% | 1,219 |
| Net loans and leases to core deposits | 98.7563% | 1,748 |
| Total domestic deposits to total assets | 84.1903% | 3,126 |
| Equity capital to assets | 10.9237% | 2,901 |
| Core capital (leverage) ratio | 10.9977% | 2,407 |
| Tier 1 risk-based capital ratio | 11.4657% | 4,978 |
| Total risk-based capital ratio | 12.2497% | 5,152 |
| Memoranda: | ||
| Average total assets | $616,928,000 | 1,183 |
| Average earning assets | $588,285,670 | 1,141 |
| Average equity | $67,447,000 | 1,187 |
| Average total loans | $469,897,330 | 1,094 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 4,759 |
| Cost of funding earning assets | 0.2391% | 4,643 |
| Net interest margin | 3.2374% | 4,219 |
| Noninterest income to average assets | 1.2749% | 625 |
| Noninterest expense to average assets | 3.3293% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0151% | 2,246 |
| Return on assets (ROA) | 1.0151% | 2,299 |
| Pretax return on assets | 1.0308% | 3,234 |
| Return on Equity (ROE) | 9.2811% | 2,277 |
| Retained earnings to average equity (ytd only) | 7.9083% | 1,503 |
| Net charge-offs to loans | 0.1499% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.2882% | 2,002 |
| Efficiency ratio | 76.2240% | 1,877 |
| Assets per employee ($millions) | 3.0841% | 5,286 |
| Cash dividends to net income (ytd only)* | 14.7910% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 4,365 |
| Loan loss allowance to noncurrent loans | 188.5212% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 2,319 |
| Noncurrent loans to loans | 0.5226% | 3,248 |
| Net loans and leases to total assets | 73.3214% | 1,851 |
| Net loans and leases to deposits | 86.0660% | 2,027 |
| Net loans and leases to core deposits | 87.1235% | 2,628 |
| Total domestic deposits to total assets | 85.1921% | 3,006 |
| Equity capital to assets | 10.9913% | 2,634 |
| Core capital (leverage) ratio | 10.9961% | 2,363 |
| Tier 1 risk-based capital ratio | 12.2684% | 4,529 |
| Total risk-based capital ratio | 13.0988% | 4,723 |
| Memoranda: | ||
| Average total assets | $612,746,000 | 1,184 |
| Average earning assets | $583,932,500 | 1,149 |
| Average equity | $67,018,000 | 1,188 |
| Average total loans | $453,655,000 | 1,118 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 4,690 |
| Cost of funding earning assets | 0.2674% | 4,393 |
| Net interest margin | 3.2651% | 4,245 |
| Noninterest income to average assets | 1.7965% | 394 |
| Noninterest expense to average assets | 3.3975% | 1,366 |
| Loan and lease loss provision to assets | 0.0038% | 4,283 |
| Net operating income to assets | 1.4868% | 851 |
| Return on assets (ROA) | 1.4868% | 872 |
| Pretax return on assets | 1.5056% | 1,567 |
| Return on Equity (ROE) | 13.5434% | 860 |
| Retained earnings to average equity (ytd only) | 1.5986% | 4,619 |
| Net charge-offs to loans | -0.0191% | 5,113 |
| Credit loss provision to net charge-offs | -26.7442% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1199% | 3,052 |
| Assets per employee ($millions) | 3.1054% | 5,260 |
| Cash dividends to net income (ytd only)* | 88.1965% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 4,099 |
| Loan loss allowance to noncurrent loans | 158.7356% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 2,122 |
| Noncurrent loans to loans | 0.6530% | 2,900 |
| Net loans and leases to total assets | 73.2543% | 1,967 |
| Net loans and leases to deposits | 86.4085% | 2,113 |
| Net loans and leases to core deposits | 87.4899% | 2,725 |
| Total domestic deposits to total assets | 84.7767% | 3,143 |
| Equity capital to assets | 10.8826% | 2,729 |
| Core capital (leverage) ratio | 10.7644% | 2,571 |
| Tier 1 risk-based capital ratio | 12.2502% | 4,535 |
| Total risk-based capital ratio | 13.1278% | 4,698 |
| Memoranda: | ||
| Average total assets | $611,984,400 | 1,150 |
| Average earning assets | $582,975,600 | 1,116 |
| Average equity | $67,184,200 | 1,162 |
| Average total loans | $449,629,000 | 1,091 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 4,758 |
| Cost of funding earning assets | 0.2716% | 4,372 |
| Net interest margin | 3.2466% | 4,355 |
| Noninterest income to average assets | 1.8293% | 400 |
| Noninterest expense to average assets | 3.3963% | 1,349 |
| Loan and lease loss provision to assets | 0.0024% | 4,168 |
| Net operating income to assets | 1.5078% | 866 |
| Return on assets (ROA) | 1.5078% | 916 |
| Pretax return on assets | 1.5232% | 1,637 |
| Return on Equity (ROE) | 13.7047% | 876 |
| Retained earnings to average equity (ytd only) | 5.7449% | 2,331 |
| Net charge-offs to loans | -0.0350% | 5,218 |
| Credit loss provision to net charge-offs | -9.3220% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8843% | 3,064 |
| Assets per employee ($millions) | 3.0105% | 5,383 |
| Cash dividends to net income (ytd only)* | 58.0808% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 4,103 |
| Loan loss allowance to noncurrent loans | 171.2304% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 2,372 |
| Noncurrent loans to loans | 0.6151% | 3,174 |
| Net loans and leases to total assets | 73.1789% | 2,001 |
| Net loans and leases to deposits | 86.4922% | 2,211 |
| Net loans and leases to core deposits | 87.5876% | 2,803 |
| Total domestic deposits to total assets | 84.6076% | 2,984 |
| Equity capital to assets | 11.4640% | 2,541 |
| Core capital (leverage) ratio | 11.0628% | 2,387 |
| Tier 1 risk-based capital ratio | 12.9787% | 4,174 |
| Total risk-based capital ratio | 13.8870% | 4,294 |
| Memoranda: | ||
| Average total assets | $612,813,750 | 1,153 |
| Average earning assets | $583,742,500 | 1,113 |
| Average equity | $67,420,500 | 1,167 |
| Average total loans | $449,400,000 | 1,086 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 4,869 |
| Cost of funding earning assets | 0.2732% | 4,410 |
| Net interest margin | 3.2250% | 4,468 |
| Noninterest income to average assets | 1.9008% | 365 |
| Noninterest expense to average assets | 3.3550% | 1,469 |
| Loan and lease loss provision to assets | 0.0010% | 4,011 |
| Net operating income to assets | 1.6029% | 720 |
| Return on assets (ROA) | 1.6029% | 766 |
| Pretax return on assets | 1.6165% | 1,319 |
| Return on Equity (ROE) | 14.7715% | 706 |
| Retained earnings to average equity (ytd only) | 6.1000% | 2,071 |
| Net charge-offs to loans | -0.0936% | 5,592 |
| Credit loss provision to net charge-offs | -1.4218% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3540% | 3,474 |
| Assets per employee ($millions) | 3.0217% | 5,401 |
| Cash dividends to net income (ytd only)* | 58.7045% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 4,160 |
| Loan loss allowance to noncurrent loans | 142.6651% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 2,213 |
| Noncurrent loans to loans | 0.7439% | 2,878 |
| Net loans and leases to total assets | 73.6574% | 1,907 |
| Net loans and leases to deposits | 86.6957% | 2,170 |
| Net loans and leases to core deposits | 87.7266% | 2,753 |
| Total domestic deposits to total assets | 84.9609% | 2,903 |
| Equity capital to assets | 11.2861% | 2,756 |
| Core capital (leverage) ratio | 10.7311% | 2,714 |
| Tier 1 risk-based capital ratio | 13.0438% | 4,176 |
| Total risk-based capital ratio | 13.9854% | 4,261 |
| Memoranda: | ||
| Average total assets | $616,384,670 | 1,146 |
| Average earning assets | $587,098,000 | 1,115 |
| Average equity | $66,885,670 | 1,177 |
| Average total loans | $450,766,330 | 1,078 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 5,039 |
| Cost of funding earning assets | 0.2755% | 4,439 |
| Net interest margin | 3.1579% | 4,709 |
| Noninterest income to average assets | 1.1491% | 833 |
| Noninterest expense to average assets | 3.3059% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8380% | 3,043 |
| Return on assets (ROA) | 0.8380% | 3,178 |
| Pretax return on assets | 0.8490% | 4,037 |
| Return on Equity (ROE) | 7.8762% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.6682% | 2,049 |
| Net charge-offs to loans | -0.0266% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4277% | 1,676 |
| Assets per employee ($millions) | 3.0427% | 5,464 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,504 |
| Loan loss allowance to noncurrent loans | 77.9854% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4200% | 1,457 |
| Noncurrent loans to loans | 1.3051% | 1,842 |
| Net loans and leases to total assets | 71.5828% | 2,102 |
| Net loans and leases to deposits | 84.2763% | 2,277 |
| Net loans and leases to core deposits | 85.3128% | 2,814 |
| Total domestic deposits to total assets | 84.9382% | 3,151 |
| Equity capital to assets | 10.7458% | 3,208 |
| Core capital (leverage) ratio | 10.5636% | 2,894 |
| Tier 1 risk-based capital ratio | 12.6361% | 4,499 |
| Total risk-based capital ratio | 13.5258% | 4,639 |
| Memoranda: | ||
| Average total assets | $622,404,500 | 1,132 |
| Average earning assets | $592,422,000 | 1,102 |
| Average equity | $66,225,000 | 1,186 |
| Average total loans | $451,189,500 | 1,074 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,659 |
| Cost of funding earning assets | 0.3194% | 4,041 |
| Net interest margin | 3.2865% | 4,343 |
| Noninterest income to average assets | 1.3555% | 657 |
| Noninterest expense to average assets | 3.3589% | 1,581 |
| Loan and lease loss provision to assets | 0.0040% | 4,315 |
| Net operating income to assets | 1.1027% | 1,913 |
| Return on assets (ROA) | 1.1027% | 1,982 |
| Pretax return on assets | 1.1150% | 2,979 |
| Return on Equity (ROE) | 10.4034% | 1,843 |
| Retained earnings to average equity (ytd only) | 1.4603% | 4,896 |
| Net charge-offs to loans | 0.1077% | 2,311 |
| Credit loss provision to net charge-offs | 5.0403% | 3,860 |
| Earnings coverage of net charge-offs (x) | 14.0665% | 2,324 |
| Efficiency ratio | 74.8809% | 2,444 |
| Assets per employee ($millions) | 3.0745% | 5,450 |
| Cash dividends to net income (ytd only)* | 85.9636% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 4,540 |
| Loan loss allowance to noncurrent loans | 73.5289% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 1,296 |
| Noncurrent loans to loans | 1.3745% | 1,708 |
| Net loans and leases to total assets | 71.9303% | 2,068 |
| Net loans and leases to deposits | 84.4960% | 2,308 |
| Net loans and leases to core deposits | 85.6273% | 2,822 |
| Total domestic deposits to total assets | 85.1286% | 3,028 |
| Equity capital to assets | 10.5341% | 3,318 |
| Core capital (leverage) ratio | 10.4378% | 3,002 |
| Tier 1 risk-based capital ratio | 12.3162% | 4,754 |
| Total risk-based capital ratio | 13.1920% | 4,894 |
| Memoranda: | ||
| Average total assets | $623,479,800 | 1,096 |
| Average earning assets | $592,356,200 | 1,055 |
| Average equity | $66,084,000 | 1,146 |
| Average total loans | $460,445,200 | 1,002 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,756 |
| Cost of funding earning assets | 0.3298% | 3,993 |
| Net interest margin | 3.2648% | 4,472 |
| Noninterest income to average assets | 1.3502% | 671 |
| Noninterest expense to average assets | 3.3710% | 1,529 |
| Loan and lease loss provision to assets | 0.0034% | 4,188 |
| Net operating income to assets | 1.0639% | 2,155 |
| Return on assets (ROA) | 1.0639% | 2,247 |
| Pretax return on assets | 1.0765% | 3,313 |
| Return on Equity (ROE) | 10.0225% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.2729% | 2,743 |
| Net charge-offs to loans | 0.1340% | 1,794 |
| Credit loss provision to net charge-offs | 3.4409% | 3,502 |
| Earnings coverage of net charge-offs (x) | 10.8710% | 2,555 |
| Efficiency ratio | 75.6072% | 2,305 |
| Assets per employee ($millions) | 3.0447% | 5,496 |
| Cash dividends to net income (ytd only)* | 47.3896% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 4,806 |
| Loan loss allowance to noncurrent loans | 72.4056% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6548% | 1,324 |
| Noncurrent loans to loans | 1.3647% | 1,878 |
| Net loans and leases to total assets | 75.0535% | 1,535 |
| Net loans and leases to deposits | 88.5541% | 1,831 |
| Net loans and leases to core deposits | 89.8523% | 2,481 |
| Total domestic deposits to total assets | 84.7545% | 3,107 |
| Equity capital to assets | 11.0768% | 2,931 |
| Core capital (leverage) ratio | 10.5124% | 3,034 |
| Tier 1 risk-based capital ratio | 12.0467% | 5,055 |
| Total risk-based capital ratio | 12.8861% | 5,225 |
| Memoranda: | ||
| Average total assets | $624,085,500 | 1,101 |
| Average earning assets | $592,733,000 | 1,063 |
| Average equity | $66,249,250 | 1,148 |
| Average total loans | $462,734,250 | 1,002 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 4,830 |
| Cost of funding earning assets | 0.3375% | 3,952 |
| Net interest margin | 3.2232% | 4,591 |
| Noninterest income to average assets | 1.3421% | 681 |
| Noninterest expense to average assets | 3.3487% | 1,578 |
| Loan and lease loss provision to assets | 0.0022% | 4,039 |
| Net operating income to assets | 1.0428% | 2,169 |
| Return on assets (ROA) | 1.0428% | 2,284 |
| Pretax return on assets | 1.0536% | 3,367 |
| Return on Equity (ROE) | 9.9640% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,483 |
| Net charge-offs to loans | 0.1864% | 1,340 |
| Credit loss provision to net charge-offs | 1.6241% | 3,153 |
| Earnings coverage of net charge-offs (x) | 7.6937% | 2,647 |
| Efficiency ratio | 75.8982% | 2,377 |
| Assets per employee ($millions) | 3.0091% | 5,590 |
| Cash dividends to net income (ytd only)* | 43.9695% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 4,860 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 1,846 |
| Noncurrent loans to loans | 1.0026% | 2,638 |
| Net loans and leases to total assets | 72.0174% | 1,973 |
| Net loans and leases to deposits | 84.3789% | 2,266 |
| Net loans and leases to core deposits | 85.5396% | 2,815 |
| Total domestic deposits to total assets | 85.3500% | 2,990 |
| Equity capital to assets | 10.5368% | 3,401 |
| Core capital (leverage) ratio | 10.1306% | 3,426 |
| Tier 1 risk-based capital ratio | 12.1951% | 5,007 |
| Total risk-based capital ratio | 13.0599% | 5,178 |
| Memoranda: | ||
| Average total assets | $628,120,000 | 1,100 |
| Average earning assets | $596,801,000 | 1,065 |
| Average equity | $65,736,330 | 1,165 |
| Average total loans | $462,346,330 | 1,000 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 4,722 |
| Cost of funding earning assets | 0.3430% | 3,952 |
| Net interest margin | 3.2469% | 4,434 |
| Noninterest income to average assets | 1.3024% | 679 |
| Noninterest expense to average assets | 3.3605% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0150% | 2,194 |
| Return on assets (ROA) | 1.0150% | 2,329 |
| Pretax return on assets | 1.0258% | 3,400 |
| Return on Equity (ROE) | 9.7316% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.5680% | 1,351 |
| Net charge-offs to loans | 0.1182% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.7226% | 1,841 |
| Efficiency ratio | 76.4817% | 2,428 |
| Assets per employee ($millions) | 3.0958% | 5,551 |
| Cash dividends to net income (ytd only)* | 11.9572% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 4,596 |
| Loan loss allowance to noncurrent loans | 74.8395% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 1,618 |
| Noncurrent loans to loans | 1.4491% | 1,964 |
| Net loans and leases to total assets | 70.3627% | 2,085 |
| Net loans and leases to deposits | 82.7192% | 2,240 |
| Net loans and leases to core deposits | 83.8983% | 2,783 |
| Total domestic deposits to total assets | 85.0621% | 3,376 |
| Equity capital to assets | 10.4528% | 3,583 |
| Core capital (leverage) ratio | 10.3513% | 3,161 |
| Tier 1 risk-based capital ratio | 12.3030% | 5,040 |
| Total risk-based capital ratio | 13.2360% | 5,143 |
| Memoranda: | ||
| Average total assets | $626,224,500 | 1,107 |
| Average earning assets | $594,776,000 | 1,069 |
| Average equity | $65,313,000 | 1,174 |
| Average total loans | $463,672,000 | 999 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 4,718 |
| Cost of funding earning assets | 0.3851% | 3,845 |
| Net interest margin | 3.3383% | 4,445 |
| Noninterest income to average assets | 1.0803% | 1,045 |
| Noninterest expense to average assets | 3.3336% | 1,840 |
| Loan and lease loss provision to assets | 0.0623% | 3,270 |
| Net operating income to assets | 0.8477% | 3,128 |
| Return on assets (ROA) | 0.8477% | 3,228 |
| Pretax return on assets | 0.8496% | 4,078 |
| Return on Equity (ROE) | 8.3696% | 2,930 |
| Retained earnings to average equity (ytd only) | 1.2028% | 5,241 |
| Net charge-offs to loans | 0.2220% | 1,894 |
| Credit loss provision to net charge-offs | 38.4241% | 3,706 |
| Earnings coverage of net charge-offs (x) | 5.6216% | 3,386 |
| Efficiency ratio | 78.3861% | 2,151 |
| Assets per employee ($millions) | 2.9419% | 5,770 |
| Cash dividends to net income (ytd only)* | 85.6292% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 4,779 |
| Loan loss allowance to noncurrent loans | 68.8843% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.7531% | 1,507 |
| Noncurrent loans to loans | 1.5350% | 1,911 |
| Net loans and leases to total assets | 76.2156% | 1,229 |
| Net loans and leases to deposits | 89.3312% | 1,578 |
| Net loans and leases to core deposits | 90.6855% | 2,214 |
| Total domestic deposits to total assets | 85.3180% | 3,157 |
| Equity capital to assets | 10.4059% | 3,603 |
| Core capital (leverage) ratio | 10.1648% | 3,353 |
| Tier 1 risk-based capital ratio | 11.8688% | 5,448 |
| Total risk-based capital ratio | 12.8166% | 5,534 |
| Memoranda: | ||
| Average total assets | $633,697,000 | 1,053 |
| Average earning assets | $600,840,200 | 1,021 |
| Average equity | $64,184,600 | 1,142 |
| Average total loans | $463,063,200 | 957 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,884 |
| Cost of funding earning assets | 0.3906% | 3,889 |
| Net interest margin | 3.3012% | 4,603 |
| Noninterest income to average assets | 1.0977% | 1,008 |
| Noninterest expense to average assets | 3.3095% | 1,884 |
| Loan and lease loss provision to assets | 0.0826% | 2,699 |
| Net operating income to assets | 0.8326% | 3,271 |
| Return on assets (ROA) | 0.8326% | 3,357 |
| Pretax return on assets | 0.8351% | 4,238 |
| Return on Equity (ROE) | 8.2751% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.3267% | 3,571 |
| Net charge-offs to loans | 0.3015% | 1,310 |
| Credit loss provision to net charge-offs | 37.9808% | 3,320 |
| Earnings coverage of net charge-offs (x) | 4.2202% | 3,511 |
| Efficiency ratio | 78.1570% | 2,162 |
| Assets per employee ($millions) | 2.9045% | 5,842 |
| Cash dividends to net income (ytd only)* | 47.7147% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,949 |
| Loan loss allowance to noncurrent loans | 72.9439% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.8741% | 1,570 |
| Noncurrent loans to loans | 1.4509% | 2,242 |
| Net loans and leases to total assets | 75.5044% | 1,280 |
| Net loans and leases to deposits | 88.9235% | 1,565 |
| Net loans and leases to core deposits | 90.2583% | 2,198 |
| Total domestic deposits to total assets | 84.9094% | 3,372 |
| Equity capital to assets | 10.4977% | 3,562 |
| Core capital (leverage) ratio | 10.3257% | 3,256 |
| Tier 1 risk-based capital ratio | 12.0018% | 5,483 |
| Total risk-based capital ratio | 12.9387% | 5,598 |
| Memoranda: | ||
| Average total assets | $637,670,500 | 1,062 |
| Average earning assets | $604,489,000 | 1,028 |
| Average equity | $64,158,750 | 1,150 |
| Average total loans | $459,855,500 | 964 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 5,160 |
| Cost of funding earning assets | 0.3947% | 3,918 |
| Net interest margin | 3.2020% | 4,940 |
| Noninterest income to average assets | 0.9912% | 1,226 |
| Noninterest expense to average assets | 3.2004% | 2,192 |
| Loan and lease loss provision to assets | 0.0921% | 2,487 |
| Net operating income to assets | 0.7306% | 3,674 |
| Return on assets (ROA) | 0.7306% | 3,769 |
| Pretax return on assets | 0.7343% | 4,523 |
| Return on Equity (ROE) | 7.3642% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.8843% | 3,711 |
| Net charge-offs to loans | 0.4444% | 918 |
| Credit loss provision to net charge-offs | 29.2779% | 3,064 |
| Earnings coverage of net charge-offs (x) | 2.6281% | 3,511 |
| Efficiency ratio | 79.3388% | 2,119 |
| Assets per employee ($millions) | 2.9733% | 5,790 |
| Cash dividends to net income (ytd only)* | 47.2542% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 5,126 |
| Loan loss allowance to noncurrent loans | 72.2311% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 1,805 |
| Noncurrent loans to loans | 1.4510% | 2,380 |
| Net loans and leases to total assets | 74.1430% | 1,424 |
| Net loans and leases to deposits | 87.8419% | 1,611 |
| Net loans and leases to core deposits | 88.9978% | 2,210 |
| Total domestic deposits to total assets | 84.4050% | 3,771 |
| Equity capital to assets | 10.2428% | 3,768 |
| Core capital (leverage) ratio | 9.8517% | 3,813 |
| Tier 1 risk-based capital ratio | 11.9299% | 5,578 |
| Total risk-based capital ratio | 12.8604% | 5,691 |
| Memoranda: | ||
| Average total assets | $643,039,000 | 1,052 |
| Average earning assets | $609,621,670 | 1,021 |
| Average equity | $63,795,000 | 1,151 |
| Average total loans | $455,031,000 | 968 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 5,507 |
| Cost of funding earning assets | 0.4004% | 3,964 |
| Net interest margin | 3.0685% | 5,344 |
| Noninterest income to average assets | 0.9418% | 1,277 |
| Noninterest expense to average assets | 3.1100% | 2,494 |
| Loan and lease loss provision to assets | 0.0918% | 2,388 |
| Net operating income to assets | 0.6455% | 3,970 |
| Return on assets (ROA) | 0.6455% | 4,063 |
| Pretax return on assets | 0.6529% | 4,653 |
| Return on Equity (ROE) | 6.6109% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.4755% | 2,799 |
| Net charge-offs to loans | 0.0385% | 2,844 |
| Credit loss provision to net charge-offs | 346.5116% | 719 |
| Earnings coverage of net charge-offs (x) | 28.1163% | 1,091 |
| Efficiency ratio | 80.5369% | 2,125 |
| Assets per employee ($millions) | 3.0798% | 5,727 |
| Cash dividends to net income (ytd only)* | 17.1756% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,197 |
| Loan loss allowance to noncurrent loans | 76.2553% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.8131% | 1,929 |
| Noncurrent loans to loans | 1.6863% | 2,300 |
| Net loans and leases to total assets | 67.8540% | 2,246 |
| Net loans and leases to deposits | 79.6757% | 2,341 |
| Net loans and leases to core deposits | 80.7998% | 2,874 |
| Total domestic deposits to total assets | 85.1628% | 3,796 |
| Equity capital to assets | 9.7938% | 4,116 |
| Core capital (leverage) ratio | 9.7903% | 3,877 |
| Tier 1 risk-based capital ratio | 12.4691% | 5,336 |
| Total risk-based capital ratio | 13.6099% | 5,337 |
| Memoranda: | ||
| Average total assets | $649,387,000 | 1,052 |
| Average earning assets | $616,449,500 | 1,011 |
| Average equity | $63,410,000 | 1,158 |
| Average total loans | $446,394,000 | 985 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 5,064 |
| Cost of funding earning assets | 0.5025% | 3,585 |
| Net interest margin | 3.2189% | 4,936 |
| Noninterest income to average assets | 1.3183% | 792 |
| Noninterest expense to average assets | 3.1990% | 2,424 |
| Loan and lease loss provision to assets | 0.2058% | 1,799 |
| Net operating income to assets | 0.9546% | 2,547 |
| Return on assets (ROA) | 0.9546% | 2,620 |
| Pretax return on assets | 0.9647% | 3,498 |
| Return on Equity (ROE) | 9.8022% | 2,192 |
| Retained earnings to average equity (ytd only) | 2.5854% | 4,411 |
| Net charge-offs to loans | 0.4674% | 1,425 |
| Credit loss provision to net charge-offs | 62.4647% | 3,494 |
| Earnings coverage of net charge-offs (x) | 3.5532% | 3,825 |
| Efficiency ratio | 73.0816% | 3,278 |
| Assets per employee ($millions) | 3.1051% | 5,665 |
| Cash dividends to net income (ytd only)* | 73.6244% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,266 |
| Loan loss allowance to noncurrent loans | 73.6097% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7925% | 2,061 |
| Noncurrent loans to loans | 1.7334% | 2,318 |
| Net loans and leases to total assets | 67.8667% | 2,379 |
| Net loans and leases to deposits | 80.2009% | 2,430 |
| Net loans and leases to core deposits | 81.5516% | 2,953 |
| Total domestic deposits to total assets | 84.6209% | 3,916 |
| Equity capital to assets | 9.7351% | 4,123 |
| Core capital (leverage) ratio | 9.6888% | 4,002 |
| Tier 1 risk-based capital ratio | 12.4512% | 5,316 |
| Total risk-based capital ratio | 13.5852% | 5,330 |
| Memoranda: | ||
| Average total assets | $645,392,200 | 1,033 |
| Average earning assets | $611,756,000 | 999 |
| Average equity | $62,853,400 | 1,140 |
| Average total loans | $454,891,200 | 936 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,961 |
| Cost of funding earning assets | 0.5256% | 3,518 |
| Net interest margin | 3.2445% | 4,852 |
| Noninterest income to average assets | 1.3173% | 852 |
| Noninterest expense to average assets | 3.2715% | 2,141 |
| Loan and lease loss provision to assets | 0.2507% | 1,426 |
| Net operating income to assets | 0.8589% | 3,052 |
| Return on assets (ROA) | 0.8589% | 3,162 |
| Pretax return on assets | 0.8702% | 4,013 |
| Return on Equity (ROE) | 8.7581% | 2,760 |
| Retained earnings to average equity (ytd only) | 4.6402% | 3,366 |
| Net charge-offs to loans | 0.6491% | 941 |
| Credit loss provision to net charge-offs | 53.5938% | 3,425 |
| Earnings coverage of net charge-offs (x) | 2.3965% | 4,036 |
| Efficiency ratio | 74.3438% | 3,003 |
| Assets per employee ($millions) | 3.0164% | 5,820 |
| Cash dividends to net income (ytd only)* | 47.0187% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,558 |
| Loan loss allowance to noncurrent loans | 77.2355% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 2,097 |
| Noncurrent loans to loans | 1.6403% | 2,715 |
| Net loans and leases to total assets | 69.4908% | 2,050 |
| Net loans and leases to deposits | 80.5469% | 2,336 |
| Net loans and leases to core deposits | 81.4066% | 2,946 |
| Total domestic deposits to total assets | 86.2738% | 3,092 |
| Equity capital to assets | 10.0022% | 3,901 |
| Core capital (leverage) ratio | 9.8495% | 3,892 |
| Tier 1 risk-based capital ratio | 12.4236% | 5,503 |
| Total risk-based capital ratio | 13.5415% | 5,519 |
| Memoranda: | ||
| Average total assets | $590,982,750 | 1,137 |
| Average earning assets | $560,121,000 | 1,093 |
| Average equity | $57,956,000 | 1,252 |
| Average total loans | $425,796,750 | 1,009 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 4,734 |
| Cost of funding earning assets | 0.5405% | 3,500 |
| Net interest margin | 3.2886% | 4,628 |
| Noninterest income to average assets | 1.2857% | 935 |
| Noninterest expense to average assets | 3.2233% | 2,297 |
| Loan and lease loss provision to assets | 0.3233% | 1,081 |
| Net operating income to assets | 0.8452% | 3,074 |
| Return on assets (ROA) | 0.8452% | 3,223 |
| Pretax return on assets | 0.8574% | 4,084 |
| Return on Equity (ROE) | 8.6754% | 2,766 |
| Retained earnings to average equity (ytd only) | 4.6315% | 3,311 |
| Net charge-offs to loans | 0.9064% | 684 |
| Credit loss provision to net charge-offs | 49.1300% | 3,230 |
| Earnings coverage of net charge-offs (x) | 1.7943% | 3,934 |
| Efficiency ratio | 73.0540% | 3,299 |
| Assets per employee ($millions) | 3.0271% | 5,806 |
| Cash dividends to net income (ytd only)* | 46.6135% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 4,619 |
| Loan loss allowance to noncurrent loans | 68.7267% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.0909% | 2,067 |
| Noncurrent loans to loans | 1.8555% | 2,555 |
| Net loans and leases to total assets | 68.0215% | 2,225 |
| Net loans and leases to deposits | 79.1372% | 2,442 |
| Net loans and leases to core deposits | 80.0688% | 3,013 |
| Total domestic deposits to total assets | 85.9538% | 3,396 |
| Equity capital to assets | 9.8138% | 4,170 |
| Core capital (leverage) ratio | 9.5625% | 4,139 |
| Tier 1 risk-based capital ratio | 12.6602% | 5,384 |
| Total risk-based capital ratio | 13.8063% | 5,401 |
| Memoranda: | ||
| Average total assets | $593,922,670 | 1,128 |
| Average earning assets | $563,149,330 | 1,084 |
| Average equity | $57,865,000 | 1,255 |
| Average total loans | $431,148,670 | 984 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,355 |
| Cost of funding earning assets | 0.5546% | 3,528 |
| Net interest margin | 3.3782% | 4,203 |
| Noninterest income to average assets | 1.3977% | 788 |
| Noninterest expense to average assets | 3.2268% | 2,276 |
| Loan and lease loss provision to assets | 0.3208% | 1,050 |
| Net operating income to assets | 1.0394% | 2,076 |
| Return on assets (ROA) | 1.0394% | 2,183 |
| Pretax return on assets | 1.0528% | 3,137 |
| Return on Equity (ROE) | 10.7070% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.5342% | 1,234 |
| Net charge-offs to loans | 0.6399% | 955 |
| Credit loss provision to net charge-offs | 67.3699% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.8847% | 2,909 |
| Efficiency ratio | 70.0102% | 3,970 |
| Assets per employee ($millions) | 3.1206% | 5,786 |
| Cash dividends to net income (ytd only)* | 10.9536% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 4,364 |
| Loan loss allowance to noncurrent loans | 59.5255% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.5140% | 1,831 |
| Noncurrent loans to loans | 2.3071% | 2,269 |
| Net loans and leases to total assets | 70.6046% | 1,564 |
| Net loans and leases to deposits | 81.8433% | 1,852 |
| Net loans and leases to core deposits | 82.9370% | 2,464 |
| Total domestic deposits to total assets | 86.2681% | 3,375 |
| Equity capital to assets | 9.7480% | 4,504 |
| Core capital (leverage) ratio | 9.5610% | 3,984 |
| Tier 1 risk-based capital ratio | 12.2566% | 5,754 |
| Total risk-based capital ratio | 13.5070% | 5,705 |
| Memoranda: | ||
| Average total assets | $597,252,500 | 1,132 |
| Average earning assets | $566,215,500 | 1,092 |
| Average equity | $57,981,000 | 1,257 |
| Average total loans | $444,410,500 | 966 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 4,151 |
| Cost of funding earning assets | 0.7274% | 3,274 |
| Net interest margin | 3.5838% | 4,167 |
| Noninterest income to average assets | 1.5792% | 634 |
| Noninterest expense to average assets | 3.1446% | 2,794 |
| Loan and lease loss provision to assets | 0.4416% | 1,434 |
| Net operating income to assets | 1.3782% | 1,136 |
| Return on assets (ROA) | 1.3782% | 1,255 |
| Pretax return on assets | 1.3931% | 2,058 |
| Return on Equity (ROE) | 14.7679% | 855 |
| Retained earnings to average equity (ytd only) | 5.6715% | 2,271 |
| Net charge-offs to loans | 0.5683% | 2,021 |
| Credit loss provision to net charge-offs | 101.6832% | 2,974 |
| Earnings coverage of net charge-offs (x) | 4.2249% | 3,435 |
| Efficiency ratio | 63.0301% | 5,074 |
| Assets per employee ($millions) | 2.9911% | 6,025 |
| Cash dividends to net income (ytd only)* | 61.5959% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,434 |
| Loan loss allowance to noncurrent loans | 62.0825% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.4255% | 2,018 |
| Noncurrent loans to loans | 2.1655% | 2,506 |
| Net loans and leases to total assets | 76.2394% | 882 |
| Net loans and leases to deposits | 88.5776% | 1,209 |
| Net loans and leases to core deposits | 89.8885% | 1,847 |
| Total domestic deposits to total assets | 86.0708% | 3,319 |
| Equity capital to assets | 9.6672% | 4,639 |
| Core capital (leverage) ratio | 9.3345% | 4,354 |
| Tier 1 risk-based capital ratio | 11.5372% | 6,073 |
| Total risk-based capital ratio | 12.7876% | 6,040 |
| Memoranda: | ||
| Average total assets | $601,953,800 | 1,104 |
| Average earning assets | $571,099,400 | 1,056 |
| Average equity | $56,176,000 | 1,265 |
| Average total loans | $459,953,000 | 899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 4,261 |
| Cost of funding earning assets | 0.7584% | 3,281 |
| Net interest margin | 3.5906% | 4,271 |
| Noninterest income to average assets | 1.4364% | 726 |
| Noninterest expense to average assets | 3.1178% | 2,835 |
| Loan and lease loss provision to assets | 0.3708% | 1,747 |
| Net operating income to assets | 1.3397% | 1,351 |
| Return on assets (ROA) | 1.3397% | 1,490 |
| Pretax return on assets | 1.3547% | 2,397 |
| Return on Equity (ROE) | 14.4833% | 1,004 |
| Retained earnings to average equity (ytd only) | 8.6881% | 1,350 |
| Net charge-offs to loans | 0.6291% | 1,744 |
| Credit loss provision to net charge-offs | 77.3585% | 3,696 |
| Earnings coverage of net charge-offs (x) | 3.5996% | 3,582 |
| Efficiency ratio | 64.2450% | 4,771 |
| Assets per employee ($millions) | 3.1034% | 5,842 |
| Cash dividends to net income (ytd only)* | 40.0132% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 5,103 |
| Loan loss allowance to noncurrent loans | 44.2353% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.9297% | 1,787 |
| Noncurrent loans to loans | 2.7991% | 2,010 |
| Net loans and leases to total assets | 75.5847% | 1,031 |
| Net loans and leases to deposits | 89.2036% | 1,240 |
| Net loans and leases to core deposits | 90.5529% | 1,918 |
| Total domestic deposits to total assets | 84.7328% | 3,870 |
| Equity capital to assets | 9.7202% | 4,897 |
| Core capital (leverage) ratio | 9.3042% | 4,576 |
| Tier 1 risk-based capital ratio | 11.7472% | 6,082 |
| Total risk-based capital ratio | 12.9293% | 6,107 |
| Memoranda: | ||
| Average total assets | $604,383,000 | 1,107 |
| Average earning assets | $573,484,250 | 1,056 |
| Average equity | $55,906,750 | 1,280 |
| Average total loans | $460,523,500 | 896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 4,466 |
| Cost of funding earning assets | 0.7886% | 3,289 |
| Net interest margin | 3.5379% | 4,512 |
| Noninterest income to average assets | 1.2840% | 863 |
| Noninterest expense to average assets | 3.0270% | 3,160 |
| Loan and lease loss provision to assets | 0.3959% | 1,661 |
| Net operating income to assets | 1.2038% | 1,700 |
| Return on assets (ROA) | 1.2038% | 1,899 |
| Pretax return on assets | 1.2186% | 2,844 |
| Return on Equity (ROE) | 13.2317% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.7019% | 1,762 |
| Net charge-offs to loans | 0.5082% | 2,058 |
| Credit loss provision to net charge-offs | 102.3810% | 2,658 |
| Earnings coverage of net charge-offs (x) | 4.1752% | 3,157 |
| Efficiency ratio | 65.0893% | 4,709 |
| Assets per employee ($millions) | 3.1636% | 5,721 |
| Cash dividends to net income (ytd only)* | 41.7919% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,872 |
| Loan loss allowance to noncurrent loans | 43.2092% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 3.0340% | 1,816 |
| Noncurrent loans to loans | 3.0150% | 1,958 |
| Net loans and leases to total assets | 76.5452% | 902 |
| Net loans and leases to deposits | 89.2283% | 1,226 |
| Net loans and leases to core deposits | 90.5250% | 1,931 |
| Total domestic deposits to total assets | 85.7859% | 3,469 |
| Equity capital to assets | 9.2337% | 5,427 |
| Core capital (leverage) ratio | 8.9203% | 5,023 |
| Tier 1 risk-based capital ratio | 11.2289% | 6,381 |
| Total risk-based capital ratio | 12.4792% | 6,360 |
| Memoranda: | ||
| Average total assets | $608,259,000 | 1,095 |
| Average earning assets | $577,237,670 | 1,050 |
| Average equity | $55,336,670 | 1,287 |
| Average total loans | $462,815,000 | 887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 4,092 |
| Cost of funding earning assets | 0.8283% | 3,248 |
| Net interest margin | 3.6266% | 4,143 |
| Noninterest income to average assets | 1.3406% | 794 |
| Noninterest expense to average assets | 3.0302% | 3,153 |
| Loan and lease loss provision to assets | 0.3122% | 2,008 |
| Net operating income to assets | 1.4214% | 1,178 |
| Return on assets (ROA) | 1.4214% | 1,322 |
| Pretax return on assets | 1.4366% | 2,065 |
| Return on Equity (ROE) | 15.7419% | 843 |
| Retained earnings to average equity (ytd only) | 14.6503% | 488 |
| Net charge-offs to loans | 0.6113% | 1,567 |
| Credit loss provision to net charge-offs | 67.7603% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.7960% | 2,744 |
| Efficiency ratio | 63.2838% | 5,053 |
| Assets per employee ($millions) | 3.1965% | 5,779 |
| Cash dividends to net income (ytd only)* | 6.9348% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 5,007 |
| Loan loss allowance to noncurrent loans | 61.4220% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2862% | 2,606 |
| Noncurrent loans to loans | 2.1223% | 3,000 |
| Net loans and leases to total assets | 72.2001% | 1,366 |
| Net loans and leases to deposits | 84.8599% | 1,551 |
| Net loans and leases to core deposits | 86.1447% | 2,278 |
| Total domestic deposits to total assets | 85.0815% | 4,000 |
| Equity capital to assets | 9.0722% | 5,399 |
| Core capital (leverage) ratio | 8.9242% | 4,955 |
| Tier 1 risk-based capital ratio | 11.4963% | 6,283 |
| Total risk-based capital ratio | 12.7461% | 6,263 |
| Memoranda: | ||
| Average total assets | $608,680,500 | 1,092 |
| Average earning assets | $577,064,500 | 1,050 |
| Average equity | $54,961,500 | 1,290 |
| Average total loans | $458,680,000 | 896 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 3,282 |
| Cost of funding earning assets | 1.1403% | 2,408 |
| Net interest margin | 3.7757% | 3,944 |
| Noninterest income to average assets | 1.2689% | 802 |
| Noninterest expense to average assets | 3.0726% | 3,297 |
| Loan and lease loss provision to assets | 0.3704% | 2,766 |
| Net operating income to assets | 1.4026% | 1,026 |
| Return on assets (ROA) | 1.4026% | 1,110 |
| Pretax return on assets | 1.4051% | 1,773 |
| Return on Equity (ROE) | 15.6469% | 659 |
| Retained earnings to average equity (ytd only) | 6.3242% | 1,842 |
| Net charge-offs to loans | 0.4732% | 3,098 |
| Credit loss provision to net charge-offs | 98.4141% | 3,653 |
| Earnings coverage of net charge-offs (x) | 4.7173% | 3,004 |
| Efficiency ratio | 63.2673% | 5,250 |
| Assets per employee ($millions) | 3.2456% | 5,621 |
| Cash dividends to net income (ytd only)* | 59.5817% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,856 |
| Loan loss allowance to noncurrent loans | 59.7282% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 2.5816% | 2,353 |
| Noncurrent loans to loans | 2.1946% | 2,955 |
| Net loans and leases to total assets | 76.6022% | 878 |
| Net loans and leases to deposits | 89.1317% | 1,253 |
| Net loans and leases to core deposits | 91.0345% | 1,983 |
| Total domestic deposits to total assets | 85.9427% | 3,357 |
| Equity capital to assets | 8.9859% | 5,563 |
| Core capital (leverage) ratio | 8.8318% | 5,056 |
| Tier 1 risk-based capital ratio | 10.6962% | 6,606 |
| Total risk-based capital ratio | 11.9462% | 6,578 |
| Memoranda: | ||
| Average total assets | $586,352,000 | 1,128 |
| Average earning assets | $555,840,800 | 1,067 |
| Average equity | $52,560,000 | 1,293 |
| Average total loans | $466,372,600 | 894 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 3,220 |
| Cost of funding earning assets | 1.1931% | 2,364 |
| Net interest margin | 3.7813% | 3,960 |
| Noninterest income to average assets | 1.1461% | 1,002 |
| Noninterest expense to average assets | 3.0485% | 3,357 |
| Loan and lease loss provision to assets | 0.4239% | 2,349 |
| Net operating income to assets | 1.2577% | 1,495 |
| Return on assets (ROA) | 1.2577% | 1,599 |
| Pretax return on assets | 1.2612% | 2,424 |
| Return on Equity (ROE) | 14.0400% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.3709% | 1,365 |
| Net charge-offs to loans | 0.4133% | 3,077 |
| Credit loss provision to net charge-offs | 128.1466% | 2,489 |
| Earnings coverage of net charge-offs (x) | 5.0941% | 2,878 |
| Efficiency ratio | 64.2905% | 5,018 |
| Assets per employee ($millions) | 3.1845% | 5,719 |
| Cash dividends to net income (ytd only)* | 40.3784% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,512 |
| Loan loss allowance to noncurrent loans | 56.8416% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.8434% | 2,281 |
| Noncurrent loans to loans | 2.4821% | 2,791 |
| Net loans and leases to total assets | 78.5511% | 652 |
| Net loans and leases to deposits | 92.7942% | 936 |
| Net loans and leases to core deposits | 94.3851% | 1,758 |
| Total domestic deposits to total assets | 84.6508% | 3,941 |
| Equity capital to assets | 9.2508% | 5,450 |
| Core capital (leverage) ratio | 9.2361% | 4,564 |
| Tier 1 risk-based capital ratio | 10.9042% | 6,599 |
| Total risk-based capital ratio | 12.1553% | 6,577 |
| Memoranda: | ||
| Average total assets | $582,829,750 | 1,130 |
| Average earning assets | $552,959,500 | 1,085 |
| Average equity | $52,211,250 | 1,300 |
| Average total loans | $466,450,750 | 911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 3,115 |
| Cost of funding earning assets | 1.2254% | 2,408 |
| Net interest margin | 3.7839% | 3,871 |
| Noninterest income to average assets | 1.0510% | 1,191 |
| Noninterest expense to average assets | 3.0467% | 3,445 |
| Loan and lease loss provision to assets | 0.5271% | 1,854 |
| Net operating income to assets | 1.0610% | 1,997 |
| Return on assets (ROA) | 1.0610% | 2,092 |
| Pretax return on assets | 1.0661% | 2,981 |
| Return on Equity (ROE) | 11.9741% | 1,500 |
| Retained earnings to average equity (ytd only) | 7.1720% | 1,798 |
| Net charge-offs to loans | 0.4431% | 2,798 |
| Credit loss provision to net charge-offs | 148.4058% | 2,060 |
| Earnings coverage of net charge-offs (x) | 4.4860% | 2,854 |
| Efficiency ratio | 65.5524% | 4,965 |
| Assets per employee ($millions) | 3.1501% | 5,754 |
| Cash dividends to net income (ytd only)* | 40.1035% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 4,500 |
| Loan loss allowance to noncurrent loans | 71.3212% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.5140% | 2,649 |
| Noncurrent loans to loans | 1.9820% | 3,510 |
| Net loans and leases to total assets | 80.3942% | 498 |
| Net loans and leases to deposits | 95.4885% | 765 |
| Net loans and leases to core deposits | 97.0488% | 1,576 |
| Total domestic deposits to total assets | 84.1925% | 4,264 |
| Equity capital to assets | 9.1045% | 5,430 |
| Core capital (leverage) ratio | 8.9177% | 4,848 |
| Tier 1 risk-based capital ratio | 10.4032% | 6,824 |
| Total risk-based capital ratio | 11.6542% | 6,821 |
| Memoranda: | ||
| Average total assets | $582,852,670 | 1,146 |
| Average earning assets | $552,820,670 | 1,093 |
| Average equity | $51,645,000 | 1,303 |
| Average total loans | $467,162,330 | 924 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 3,201 |
| Cost of funding earning assets | 1.2691% | 2,364 |
| Net interest margin | 3.7093% | 4,050 |
| Noninterest income to average assets | 1.0020% | 1,320 |
| Noninterest expense to average assets | 3.0387% | 3,492 |
| Loan and lease loss provision to assets | 0.5235% | 1,661 |
| Net operating income to assets | 0.9467% | 2,372 |
| Return on assets (ROA) | 0.9467% | 2,435 |
| Pretax return on assets | 0.9569% | 3,294 |
| Return on Equity (ROE) | 10.8305% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.2688% | 1,300 |
| Net charge-offs to loans | 0.5016% | 2,220 |
| Credit loss provision to net charge-offs | 131.3356% | 2,108 |
| Earnings coverage of net charge-offs (x) | 3.7140% | 2,658 |
| Efficiency ratio | 67.1198% | 4,824 |
| Assets per employee ($millions) | 3.1641% | 5,809 |
| Cash dividends to net income (ytd only)* | 14.4196% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,833 |
| Loan loss allowance to noncurrent loans | 61.8596% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.5211% | 2,712 |
| Noncurrent loans to loans | 2.2057% | 3,312 |
| Net loans and leases to total assets | 77.7183% | 767 |
| Net loans and leases to deposits | 91.7921% | 1,041 |
| Net loans and leases to core deposits | 93.3891% | 1,966 |
| Total domestic deposits to total assets | 84.6678% | 4,198 |
| Equity capital to assets | 8.8050% | 5,485 |
| Core capital (leverage) ratio | 8.7078% | 5,077 |
| Tier 1 risk-based capital ratio | 10.5969% | 6,751 |
| Total risk-based capital ratio | 11.8420% | 6,740 |
| Memoranda: | ||
| Average total assets | $586,048,000 | 1,142 |
| Average earning assets | $555,678,000 | 1,099 |
| Average equity | $51,225,500 | 1,302 |
| Average total loans | $465,700,000 | 939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 3,333 |
| Cost of funding earning assets | 1.5746% | 2,219 |
| Net interest margin | 3.6810% | 4,439 |
| Noninterest income to average assets | 1.2957% | 873 |
| Noninterest expense to average assets | 3.1297% | 3,347 |
| Loan and lease loss provision to assets | 0.5597% | 2,887 |
| Net operating income to assets | 1.0950% | 1,715 |
| Return on assets (ROA) | 1.0950% | 1,801 |
| Pretax return on assets | 1.1015% | 2,572 |
| Return on Equity (ROE) | 13.1092% | 1,064 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,375 |
| Net charge-offs to loans | 0.7198% | 2,856 |
| Credit loss provision to net charge-offs | 97.3961% | 4,762 |
| Earnings coverage of net charge-offs (x) | 2.8909% | 3,624 |
| Efficiency ratio | 65.2174% | 5,122 |
| Assets per employee ($millions) | 3.1375% | 5,801 |
| Cash dividends to net income (ytd only)* | 61.4156% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,932 |
| Loan loss allowance to noncurrent loans | 85.0852% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1108% | 3,204 |
| Noncurrent loans to loans | 1.5440% | 4,181 |
| Net loans and leases to total assets | 79.0884% | 785 |
| Net loans and leases to deposits | 93.9011% | 1,074 |
| Net loans and leases to core deposits | 95.6003% | 2,059 |
| Total domestic deposits to total assets | 84.2252% | 4,259 |
| Equity capital to assets | 8.6762% | 5,616 |
| Core capital (leverage) ratio | 8.4931% | 5,383 |
| Tier 1 risk-based capital ratio | 10.0387% | 6,967 |
| Total risk-based capital ratio | 11.2704% | 6,962 |
| Memoranda: | ||
| Average total assets | $594,812,400 | 1,131 |
| Average earning assets | $564,792,000 | 1,073 |
| Average equity | $49,682,600 | 1,348 |
| Average total loans | $474,858,600 | 948 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 3,598 |
| Cost of funding earning assets | 1.6143% | 2,312 |
| Net interest margin | 3.6326% | 4,714 |
| Noninterest income to average assets | 1.2192% | 936 |
| Noninterest expense to average assets | 3.1033% | 3,320 |
| Loan and lease loss provision to assets | 0.5156% | 2,882 |
| Net operating income to assets | 1.0519% | 2,066 |
| Return on assets (ROA) | 1.0519% | 2,171 |
| Pretax return on assets | 1.0519% | 2,990 |
| Return on Equity (ROE) | 12.7141% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.7255% | 1,505 |
| Net charge-offs to loans | 0.6036% | 2,930 |
| Credit loss provision to net charge-offs | 107.0899% | 3,987 |
| Earnings coverage of net charge-offs (x) | 3.2558% | 3,518 |
| Efficiency ratio | 66.3307% | 4,791 |
| Assets per employee ($millions) | 3.1507% | 5,801 |
| Cash dividends to net income (ytd only)* | 39.2366% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,850 |
| Loan loss allowance to noncurrent loans | 50.4623% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.4898% | 2,883 |
| Noncurrent loans to loans | 2.6156% | 3,006 |
| Net loans and leases to total assets | 80.6048% | 652 |
| Net loans and leases to deposits | 97.2911% | 858 |
| Net loans and leases to core deposits | 99.1698% | 1,929 |
| Total domestic deposits to total assets | 82.8491% | 4,654 |
| Equity capital to assets | 8.6073% | 6,145 |
| Core capital (leverage) ratio | 8.4659% | 5,567 |
| Tier 1 risk-based capital ratio | 10.0878% | 7,019 |
| Total risk-based capital ratio | 11.3381% | 7,002 |
| Memoranda: | ||
| Average total assets | $597,621,500 | 1,131 |
| Average earning assets | $567,842,250 | 1,071 |
| Average equity | $49,445,250 | 1,363 |
| Average total loans | $476,652,000 | 950 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2502% | 3,714 |
| Cost of funding earning assets | 1.6614% | 2,327 |
| Net interest margin | 3.5888% | 4,867 |
| Noninterest income to average assets | 1.0644% | 1,184 |
| Noninterest expense to average assets | 3.1115% | 3,258 |
| Loan and lease loss provision to assets | 0.5139% | 2,745 |
| Net operating income to assets | 0.8462% | 2,746 |
| Return on assets (ROA) | 0.8462% | 2,900 |
| Pretax return on assets | 0.8462% | 3,721 |
| Return on Equity (ROE) | 10.3653% | 1,976 |
| Retained earnings to average equity (ytd only) | 6.2781% | 2,182 |
| Net charge-offs to loans | -0.0304% | 7,351 |
| Credit loss provision to net charge-offs | -2,138.8889% | 6,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4724% | 4,282 |
| Assets per employee ($millions) | 3.1298% | 5,847 |
| Cash dividends to net income (ytd only)* | 39.4322% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 3,334 |
| Loan loss allowance to noncurrent loans | 77.4968% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 2.0051% | 3,497 |
| Noncurrent loans to loans | 2.1004% | 3,589 |
| Net loans and leases to total assets | 79.3098% | 900 |
| Net loans and leases to deposits | 95.6410% | 1,080 |
| Net loans and leases to core deposits | 97.3278% | 2,298 |
| Total domestic deposits to total assets | 82.9245% | 4,604 |
| Equity capital to assets | 8.3065% | 6,419 |
| Core capital (leverage) ratio | 8.1170% | 6,090 |
| Tier 1 risk-based capital ratio | 9.9336% | 7,064 |
| Total risk-based capital ratio | 11.1877% | 7,034 |
| Memoranda: | ||
| Average total assets | $599,383,330 | 1,129 |
| Average earning assets | $569,043,000 | 1,075 |
| Average equity | $48,932,330 | 1,371 |
| Average total loans | $474,257,000 | 969 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 3,663 |
| Cost of funding earning assets | 1.7135% | 2,321 |
| Net interest margin | 3.5621% | 4,894 |
| Noninterest income to average assets | 0.9897% | 1,335 |
| Noninterest expense to average assets | 3.1510% | 3,051 |
| Loan and lease loss provision to assets | 0.5125% | 2,450 |
| Net operating income to assets | 0.7025% | 3,432 |
| Return on assets (ROA) | 0.7025% | 3,544 |
| Pretax return on assets | 0.7025% | 4,224 |
| Return on Equity (ROE) | 8.6801% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.4448% | 1,950 |
| Net charge-offs to loans | -0.0264% | 7,151 |
| Credit loss provision to net charge-offs | -2,480.6452% | 6,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0501% | 3,923 |
| Assets per employee ($millions) | 3.0895% | 6,021 |
| Cash dividends to net income (ytd only)* | 14.2315% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,827 |
| Loan loss allowance to noncurrent loans | 236.5624% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 5,287 |
| Noncurrent loans to loans | 0.6410% | 6,039 |
| Net loans and leases to total assets | 75.4304% | 1,657 |
| Net loans and leases to deposits | 90.6708% | 1,803 |
| Net loans and leases to core deposits | 92.7684% | 3,005 |
| Total domestic deposits to total assets | 83.1914% | 4,527 |
| Equity capital to assets | 8.0958% | 6,546 |
| Core capital (leverage) ratio | 8.1074% | 6,061 |
| Tier 1 risk-based capital ratio | 10.0900% | 6,969 |
| Total risk-based capital ratio | 11.3425% | 6,961 |
| Memoranda: | ||
| Average total assets | $600,182,500 | 1,152 |
| Average earning assets | $568,878,000 | 1,101 |
| Average equity | $48,571,000 | 1,383 |
| Average total loans | $470,412,000 | 1,004 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 4,239 |
| Cost of funding earning assets | 2.1882% | 2,086 |
| Net interest margin | 3.2947% | 5,771 |
| Noninterest income to average assets | 0.9096% | 1,910 |
| Noninterest expense to average assets | 3.1397% | 3,587 |
| Loan and lease loss provision to assets | 1.0220% | 2,232 |
| Net operating income to assets | -0.1145% | 5,696 |
| Return on assets (ROA) | -0.1490% | 5,763 |
| Pretax return on assets | -0.1490% | 5,640 |
| Return on Equity (ROE) | -1.8372% | 5,830 |
| Retained earnings to average equity (ytd only) | -4.1161% | 5,885 |
| Net charge-offs to loans | 1.0822% | 2,255 |
| Credit loss provision to net charge-offs | 119.9541% | 4,467 |
| Earnings coverage of net charge-offs (x) | 1.0652% | 5,052 |
| Efficiency ratio | 77.4523% | 3,277 |
| Assets per employee ($millions) | 2.9891% | 6,253 |
| Cash dividends to net income (ytd only)* | -124.0437% | 7,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,714 |
| Loan loss allowance to noncurrent loans | 364.2899% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 5,621 |
| Noncurrent loans to loans | 0.3587% | 6,558 |
| Net loans and leases to total assets | 79.1488% | 1,153 |
| Net loans and leases to deposits | 94.9104% | 1,474 |
| Net loans and leases to core deposits | 112.4253% | 2,653 |
| Total domestic deposits to total assets | 83.3932% | 4,338 |
| Equity capital to assets | 8.0896% | 6,477 |
| Core capital (leverage) ratio | 7.9135% | 6,315 |
| Tier 1 risk-based capital ratio | 9.7155% | 7,087 |
| Total risk-based capital ratio | 10.9659% | 7,063 |
| Memoranda: | ||
| Average total assets | $614,112,800 | 1,129 |
| Average earning assets | $584,820,200 | 1,079 |
| Average equity | $49,805,000 | 1,351 |
| Average total loans | $483,438,800 | 999 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 4,667 |
| Cost of funding earning assets | 2.2675% | 2,120 |
| Net interest margin | 3.1865% | 6,072 |
| Noninterest income to average assets | 1.0790% | 1,361 |
| Noninterest expense to average assets | 3.1563% | 3,444 |
| Loan and lease loss provision to assets | 1.1027% | 1,772 |
| Net operating income to assets | -0.1398% | 5,971 |
| Return on assets (ROA) | -0.1855% | 6,049 |
| Pretax return on assets | -0.1855% | 5,954 |
| Return on Equity (ROE) | -2.2856% | 6,136 |
| Retained earnings to average equity (ytd only) | -5.0331% | 6,263 |
| Net charge-offs to loans | 1.3019% | 1,569 |
| Credit loss provision to net charge-offs | 108.0870% | 4,700 |
| Earnings coverage of net charge-offs (x) | 0.9438% | 5,112 |
| Efficiency ratio | 76.5035% | 3,418 |
| Assets per employee ($millions) | 3.0937% | 5,924 |
| Cash dividends to net income (ytd only)* | -120.2096% | 8,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,295 |
| Loan loss allowance to noncurrent loans | 260.3738% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 5,657 |
| Noncurrent loans to loans | 0.4496% | 6,423 |
| Net loans and leases to total assets | 78.3703% | 1,508 |
| Net loans and leases to deposits | 94.2787% | 1,841 |
| Net loans and leases to core deposits | 112.2663% | 2,994 |
| Total domestic deposits to total assets | 83.1262% | 4,164 |
| Equity capital to assets | 8.0431% | 6,811 |
| Core capital (leverage) ratio | 7.8670% | 6,548 |
| Tier 1 risk-based capital ratio | 9.7505% | 7,189 |
| Total risk-based capital ratio | 10.8846% | 7,243 |
| Memoranda: | ||
| Average total assets | $618,933,750 | 1,133 |
| Average earning assets | $590,525,000 | 1,083 |
| Average equity | $50,226,500 | 1,357 |
| Average total loans | $485,040,250 | 1,012 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 4,946 |
| Cost of funding earning assets | 2.3298% | 2,237 |
| Net interest margin | 3.1093% | 6,203 |
| Noninterest income to average assets | 1.0323% | 1,493 |
| Noninterest expense to average assets | 3.1741% | 3,416 |
| Loan and lease loss provision to assets | 0.3049% | 4,125 |
| Net operating income to assets | 0.5214% | 4,015 |
| Return on assets (ROA) | 0.5214% | 4,127 |
| Pretax return on assets | 0.5214% | 4,551 |
| Return on Equity (ROE) | 6.4075% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.9286% | 3,700 |
| Net charge-offs to loans | 0.2311% | 4,050 |
| Credit loss provision to net charge-offs | 168.9716% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.5798% | 3,060 |
| Efficiency ratio | 79.2163% | 3,157 |
| Assets per employee ($millions) | 3.1486% | 5,718 |
| Cash dividends to net income (ytd only)* | 54.2945% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,252 |
| Loan loss allowance to noncurrent loans | 65.2627% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6582% | 3,711 |
| Noncurrent loans to loans | 1.7664% | 3,858 |
| Net loans and leases to total assets | 78.2991% | 1,678 |
| Net loans and leases to deposits | 94.7274% | 1,988 |
| Net loans and leases to core deposits | 113.2084% | 2,996 |
| Total domestic deposits to total assets | 82.6573% | 4,397 |
| Equity capital to assets | 8.3352% | 6,285 |
| Core capital (leverage) ratio | 8.1560% | 6,064 |
| Tier 1 risk-based capital ratio | 10.0193% | 6,895 |
| Total risk-based capital ratio | 11.1252% | 6,998 |
| Memoranda: | ||
| Average total assets | $625,185,670 | 1,143 |
| Average earning assets | $596,790,330 | 1,082 |
| Average equity | $50,877,670 | 1,346 |
| Average total loans | $488,076,000 | 1,022 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4397% | 5,228 |
| Cost of funding earning assets | 2.3740% | 2,399 |
| Net interest margin | 3.0657% | 6,291 |
| Noninterest income to average assets | 1.4030% | 717 |
| Noninterest expense to average assets | 3.0438% | 3,577 |
| Loan and lease loss provision to assets | 0.3017% | 3,532 |
| Net operating income to assets | 0.9842% | 2,379 |
| Return on assets (ROA) | 0.9842% | 2,511 |
| Pretax return on assets | 0.9842% | 3,404 |
| Return on Equity (ROE) | 12.2376% | 1,586 |
| Retained earnings to average equity (ytd only) | 10.8613% | 1,000 |
| Net charge-offs to loans | 0.2554% | 3,133 |
| Credit loss provision to net charge-offs | 152.3962% | 2,738 |
| Earnings coverage of net charge-offs (x) | 6.4952% | 2,491 |
| Efficiency ratio | 70.1826% | 4,536 |
| Assets per employee ($millions) | 3.1920% | 5,616 |
| Cash dividends to net income (ytd only)* | 11.2468% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,455 |
| Loan loss allowance to noncurrent loans | 54.8182% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.0811% | 2,771 |
| Noncurrent loans to loans | 2.0106% | 3,249 |
| Net loans and leases to total assets | 76.7731% | 2,096 |
| Net loans and leases to deposits | 93.1059% | 2,416 |
| Net loans and leases to core deposits | 111.4364% | 3,267 |
| Total domestic deposits to total assets | 82.4578% | 4,389 |
| Equity capital to assets | 8.2398% | 6,481 |
| Core capital (leverage) ratio | 8.1526% | 6,184 |
| Tier 1 risk-based capital ratio | 9.9663% | 6,965 |
| Total risk-based capital ratio | 11.0090% | 7,101 |
| Memoranda: | ||
| Average total assets | $632,362,000 | 1,130 |
| Average earning assets | $603,715,000 | 1,065 |
| Average equity | $50,859,500 | 1,347 |
| Average total loans | $490,186,500 | 1,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0262% | 5,428 |
| Cost of funding earning assets | 2.8948% | 2,288 |
| Net interest margin | 3.1314% | 6,560 |
| Noninterest income to average assets | 0.9151% | 1,908 |
| Noninterest expense to average assets | 2.7966% | 4,828 |
| Loan and lease loss provision to assets | 0.4141% | 3,211 |
| Net operating income to assets | 0.6463% | 4,121 |
| Return on assets (ROA) | 0.4776% | 4,660 |
| Pretax return on assets | 0.4776% | 5,044 |
| Return on Equity (ROE) | 5.9531% | 3,961 |
| Retained earnings to average equity (ytd only) | 0.1346% | 5,148 |
| Net charge-offs to loans | 0.4238% | 2,700 |
| Credit loss provision to net charge-offs | 126.1122% | 4,234 |
| Earnings coverage of net charge-offs (x) | 3.2292% | 4,473 |
| Efficiency ratio | 72.3755% | 3,867 |
| Assets per employee ($millions) | 3.1796% | 5,540 |
| Cash dividends to net income (ytd only)* | 97.7394% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,635 |
| Loan loss allowance to noncurrent loans | 52.7498% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.0499% | 2,401 |
| Noncurrent loans to loans | 1.9884% | 2,780 |
| Net loans and leases to total assets | 76.5952% | 2,475 |
| Net loans and leases to deposits | 93.5504% | 2,845 |
| Net loans and leases to core deposits | 114.0602% | 3,335 |
| Total domestic deposits to total assets | 81.8759% | 4,250 |
| Equity capital to assets | 7.8499% | 7,045 |
| Core capital (leverage) ratio | 7.9375% | 6,588 |
| Tier 1 risk-based capital ratio | 9.5053% | 7,302 |
| Total risk-based capital ratio | 10.4962% | 7,514 |
| Memoranda: | ||
| Average total assets | $629,753,600 | 1,064 |
| Average earning assets | $591,647,400 | 1,042 |
| Average equity | $50,528,200 | 1,335 |
| Average total loans | $487,982,400 | 978 |