Home > Meridian Bank > Performance and Condition Ratios
Meridian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5910% | 317 |
| Cost of funding earning assets | 3.1444% | 118 |
| Net interest margin | 3.4466% | 2,310 |
| Noninterest income to average assets | 1.4500% | 401 |
| Noninterest expense to average assets | 3.4596% | 604 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 0.7310% | 3,104 |
| Return on assets (ROA) | 0.7302% | 3,088 |
| Pretax return on assets | 0.9335% | 2,864 |
| Return on Equity (ROE) | 8.2300% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.2741% | 3,197 |
| Net charge-offs to loans | 0.2969% | 364 |
| Credit loss provision to net charge-offs | 130.3189% | 1,599 |
| Earnings coverage of net charge-offs (x) | 4.9240% | 2,555 |
| Efficiency ratio | 73.3404% | 1,523 |
| Assets per employee ($millions) | 7.0177% | 2,061 |
| Cash dividends to net income (ytd only)* | 60.2233% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,543 |
| Loan loss allowance to noncurrent loans | 65.4770% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.5793% | 231 |
| Noncurrent loans to loans | 1.7579% | 350 |
| Net loans and leases to total assets | 84.5400% | 239 |
| Net loans and leases to deposits | 103.9677% | 358 |
| Net loans and leases to core deposits | 138.8033% | 287 |
| Total domestic deposits to total assets | 81.3200% | 3,253 |
| Equity capital to assets | 9.0901% | 2,615 |
| Core capital (leverage) ratio | 9.4567% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,195,603,200 | 519 |
| Average earning assets | $2,072,329,000 | 505 |
| Average equity | $194,772,400 | 553 |
| Average total loans | $1,869,894,200 | 424 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4918% | 305 |
| Cost of funding earning assets | 3.0128% | 115 |
| Net interest margin | 3.4790% | 2,255 |
| Noninterest income to average assets | 1.4600% | 401 |
| Noninterest expense to average assets | 3.4560% | 586 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9033% | 2,666 |
| Return on assets (ROA) | 0.8972% | 2,675 |
| Pretax return on assets | 1.1479% | 2,428 |
| Return on Equity (ROE) | 10.1800% | 2,592 |
| Retained earnings to average equity (ytd only) | 5.1639% | 2,880 |
| Net charge-offs to loans | 0.2406% | 371 |
| Credit loss provision to net charge-offs | 77.8872% | 1,767 |
| Earnings coverage of net charge-offs (x) | 6.2984% | 2,303 |
| Efficiency ratio | 72.6372% | 1,496 |
| Assets per employee ($millions) | 6.2181% | 2,548 |
| Cash dividends to net income (ytd only)* | 49.2683% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,203 |
| Loan loss allowance to noncurrent loans | 67.6136% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 289 |
| Noncurrent loans to loans | 1.5251% | 470 |
| Net loans and leases to total assets | 84.6300% | 238 |
| Net loans and leases to deposits | 104.2023% | 348 |
| Net loans and leases to core deposits | 136.4209% | 261 |
| Total domestic deposits to total assets | 81.2100% | 3,349 |
| Equity capital to assets | 9.0487% | 2,388 |
| Core capital (leverage) ratio | 9.6482% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,183,089,750 | 522 |
| Average earning assets | $2,058,791,500 | 506 |
| Average equity | $192,432,250 | 556 |
| Average total loans | $1,857,212,250 | 430 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3293% | 304 |
| Cost of funding earning assets | 2.8210% | 108 |
| Net interest margin | 3.5083% | 2,244 |
| Noninterest income to average assets | 1.4600% | 339 |
| Noninterest expense to average assets | 3.3954% | 603 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.9310% | 2,648 |
| Return on assets (ROA) | 0.9279% | 2,646 |
| Pretax return on assets | 1.1799% | 2,416 |
| Return on Equity (ROE) | 10.6200% | 2,529 |
| Retained earnings to average equity (ytd only) | 4.4524% | 3,095 |
| Net charge-offs to loans | 0.2652% | 315 |
| Credit loss provision to net charge-offs | 92.5410% | 1,494 |
| Earnings coverage of net charge-offs (x) | 6.1184% | 2,137 |
| Efficiency ratio | 70.9338% | 1,680 |
| Assets per employee ($millions) | 5.9844% | 2,721 |
| Cash dividends to net income (ytd only)* | 58.0879% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,113 |
| Loan loss allowance to noncurrent loans | 73.7628% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 291 |
| Noncurrent loans to loans | 1.4441% | 475 |
| Net loans and leases to total assets | 85.1400% | 199 |
| Net loans and leases to deposits | 105.3157% | 329 |
| Net loans and leases to core deposits | 139.1441% | 223 |
| Total domestic deposits to total assets | 80.8400% | 3,451 |
| Equity capital to assets | 8.7042% | 2,714 |
| Core capital (leverage) ratio | 9.2208% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,166,687,000 | 511 |
| Average earning assets | $2,047,050,000 | 499 |
| Average equity | $189,244,667 | 551 |
| Average total loans | $1,840,025,333 | 421 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0960% | 279 |
| Cost of funding earning assets | 2.5082% | 99 |
| Net interest margin | 3.5877% | 2,160 |
| Noninterest income to average assets | 1.2300% | 429 |
| Noninterest expense to average assets | 3.3159% | 682 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.8249% | 3,113 |
| Return on assets (ROA) | 0.8286% | 3,056 |
| Pretax return on assets | 1.0556% | 2,846 |
| Return on Equity (ROE) | 9.4700% | 2,930 |
| Retained earnings to average equity (ytd only) | 1.1014% | 3,850 |
| Net charge-offs to loans | 0.3213% | 247 |
| Credit loss provision to net charge-offs | 101.2380% | 1,103 |
| Earnings coverage of net charge-offs (x) | 4.8398% | 1,840 |
| Efficiency ratio | 71.4493% | 1,583 |
| Assets per employee ($millions) | 6.2457% | 2,542 |
| Cash dividends to net income (ytd only)* | 88.3690% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,039 |
| Loan loss allowance to noncurrent loans | 88.4131% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 351 |
| Noncurrent loans to loans | 1.2472% | 552 |
| Net loans and leases to total assets | 82.2300% | 352 |
| Net loans and leases to deposits | 103.2923% | 321 |
| Net loans and leases to core deposits | 136.3429% | 215 |
| Total domestic deposits to total assets | 79.6100% | 3,819 |
| Equity capital to assets | 8.4295% | 2,947 |
| Core capital (leverage) ratio | 9.3255% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,145,904,000 | 531 |
| Average earning assets | $2,030,589,000 | 513 |
| Average equity | $187,762,000 | 562 |
| Average total loans | $1,809,907,500 | 431 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 299 |
| Cost of funding earning assets | 0.9204% | 235 |
| Net interest margin | 4.0813% | 686 |
| Noninterest income to average assets | 2.2400% | 213 |
| Noninterest expense to average assets | 4.2654% | 279 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3292% | 1,339 |
| Return on assets (ROA) | 1.3180% | 1,327 |
| Pretax return on assets | 1.6837% | 958 |
| Return on Equity (ROE) | 12.8300% | 1,858 |
| Retained earnings to average equity (ytd only) | -1.5996% | 4,466 |
| Net charge-offs to loans | 0.1517% | 541 |
| Credit loss provision to net charge-offs | 102.8950% | 1,535 |
| Earnings coverage of net charge-offs (x) | 14.2047% | 2,041 |
| Efficiency ratio | 69.7928% | 1,716 |
| Assets per employee ($millions) | 5.6964% | 3,036 |
| Cash dividends to net income (ytd only)* | 112.4712% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,056 |
| Loan loss allowance to noncurrent loans | 89.5122% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 377 |
| Noncurrent loans to loans | 1.1911% | 594 |
| Net loans and leases to total assets | 84.7200% | 213 |
| Net loans and leases to deposits | 101.7484% | 371 |
| Net loans and leases to core deposits | 132.0766% | 205 |
| Total domestic deposits to total assets | 83.2700% | 3,361 |
| Equity capital to assets | 9.0961% | 2,301 |
| Core capital (leverage) ratio | 9.8759% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,876,316,800 | 591 |
| Average earning assets | $1,773,643,800 | 570 |
| Average equity | $192,800,200 | 542 |
| Average total loans | $1,593,681,600 | 450 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 357 |
| Cost of funding earning assets | 0.5961% | 449 |
| Net interest margin | 4.1015% | 517 |
| Noninterest income to average assets | 2.4800% | 212 |
| Noninterest expense to average assets | 4.4738% | 257 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.3906% | 1,117 |
| Return on assets (ROA) | 1.3757% | 1,125 |
| Pretax return on assets | 1.7347% | 836 |
| Return on Equity (ROE) | 12.9700% | 1,706 |
| Retained earnings to average equity (ytd only) | -0.4018% | 4,378 |
| Net charge-offs to loans | 0.1312% | 493 |
| Credit loss provision to net charge-offs | 114.2202% | 1,247 |
| Earnings coverage of net charge-offs (x) | 16.9128% | 1,809 |
| Efficiency ratio | 70.2301% | 1,731 |
| Assets per employee ($millions) | 5.0175% | 3,658 |
| Cash dividends to net income (ytd only)* | 103.0984% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,773 |
| Loan loss allowance to noncurrent loans | 82.1955% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 342 |
| Noncurrent loans to loans | 1.4040% | 512 |
| Net loans and leases to total assets | 84.5700% | 207 |
| Net loans and leases to deposits | 96.9926% | 497 |
| Net loans and leases to core deposits | 121.3432% | 241 |
| Total domestic deposits to total assets | 87.1900% | 2,700 |
| Equity capital to assets | 9.8030% | 1,724 |
| Core capital (leverage) ratio | 10.5254% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,829,874,000 | 601 |
| Average earning assets | $1,730,150,250 | 580 |
| Average equity | $194,107,750 | 542 |
| Average total loans | $1,550,620,750 | 461 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 395 |
| Cost of funding earning assets | 0.3923% | 968 |
| Net interest margin | 4.0713% | 424 |
| Noninterest income to average assets | 2.6337% | 174 |
| Noninterest expense to average assets | 4.5729% | 206 |
| Loan and lease loss provision to assets | 0.1353% | 704 |
| Net operating income to assets | 1.4114% | 880 |
| Return on assets (ROA) | 1.3948% | 894 |
| Pretax return on assets | 1.7574% | 662 |
| Return on Equity (ROE) | 12.8031% | 1,437 |
| Retained earnings to average equity (ytd only) | -0.1408% | 4,195 |
| Net charge-offs to loans | 0.1540% | 417 |
| Credit loss provision to net charge-offs | 104.0171% | 1,252 |
| Earnings coverage of net charge-offs (x) | 14.7145% | 1,650 |
| Efficiency ratio | 70.3230% | 1,911 |
| Assets per employee ($millions) | 4.8005% | 3,848 |
| Cash dividends to net income (ytd only)* | 101.0998% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,725 |
| Loan loss allowance to noncurrent loans | 81.6118% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2435% | 334 |
| Noncurrent loans to loans | 1.4604% | 511 |
| Net loans and leases to total assets | 84.1353% | 184 |
| Net loans and leases to deposits | 99.2519% | 303 |
| Net loans and leases to core deposits | 116.0988% | 242 |
| Total domestic deposits to total assets | 84.7694% | 3,531 |
| Equity capital to assets | 10.3730% | 1,496 |
| Core capital (leverage) ratio | 10.8592% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,799,260,333 | 603 |
| Average earning assets | $1,702,705,667 | 587 |
| Average equity | $196,015,000 | 542 |
| Average total loans | $1,519,444,667 | 460 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 449 |
| Cost of funding earning assets | 0.3319% | 1,357 |
| Net interest margin | 3.9537% | 448 |
| Noninterest income to average assets | 2.9799% | 160 |
| Noninterest expense to average assets | 4.8371% | 181 |
| Loan and lease loss provision to assets | 0.1388% | 581 |
| Net operating income to assets | 1.3888% | 821 |
| Return on assets (ROA) | 1.3704% | 848 |
| Pretax return on assets | 1.7211% | 654 |
| Return on Equity (ROE) | 12.2718% | 1,236 |
| Retained earnings to average equity (ytd only) | -2.5829% | 4,286 |
| Net charge-offs to loans | 0.1466% | 394 |
| Credit loss provision to net charge-offs | 112.6374% | 958 |
| Earnings coverage of net charge-offs (x) | 15.2802% | 1,355 |
| Efficiency ratio | 71.8095% | 2,002 |
| Assets per employee ($millions) | 4.4238% | 4,180 |
| Cash dividends to net income (ytd only)* | 121.0474% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,632 |
| Loan loss allowance to noncurrent loans | 82.4075% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2474% | 345 |
| Noncurrent loans to loans | 1.5098% | 544 |
| Net loans and leases to total assets | 81.5925% | 175 |
| Net loans and leases to deposits | 95.3320% | 302 |
| Net loans and leases to core deposits | 108.9138% | 282 |
| Total domestic deposits to total assets | 85.5878% | 3,386 |
| Equity capital to assets | 10.6116% | 1,541 |
| Core capital (leverage) ratio | 11.2003% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,772,391,000 | 611 |
| Average earning assets | $1,676,604,500 | 597 |
| Average equity | $197,916,500 | 553 |
| Average total loans | $1,490,251,500 | 465 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 831 |
| Cost of funding earning assets | 0.3779% | 1,696 |
| Net interest margin | 3.9388% | 802 |
| Noninterest income to average assets | 5.0656% | 107 |
| Noninterest expense to average assets | 5.9995% | 127 |
| Loan and lease loss provision to assets | 0.0619% | 1,831 |
| Net operating income to assets | 2.1639% | 262 |
| Return on assets (ROA) | 2.1825% | 265 |
| Pretax return on assets | 2.8024% | 180 |
| Return on Equity (ROE) | 19.8511% | 317 |
| Retained earnings to average equity (ytd only) | 10.8093% | 738 |
| Net charge-offs to loans | 0.0052% | 2,401 |
| Credit loss provision to net charge-offs | 1,371.7949% | 414 |
| Earnings coverage of net charge-offs (x) | 629.6538% | 229 |
| Efficiency ratio | 67.7218% | 2,026 |
| Assets per employee ($millions) | 4.1890% | 4,332 |
| Cash dividends to net income (ytd only)* | 45.5478% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,464 |
| Loan loss allowance to noncurrent loans | 81.2457% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 332 |
| Noncurrent loans to loans | 1.5735% | 566 |
| Net loans and leases to total assets | 84.5483% | 95 |
| Net loans and leases to deposits | 99.9662% | 197 |
| Net loans and leases to core deposits | 114.0808% | 227 |
| Total domestic deposits to total assets | 84.5769% | 3,399 |
| Equity capital to assets | 11.7600% | 1,363 |
| Core capital (leverage) ratio | 11.5063% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,728,930,800 | 605 |
| Average earning assets | $1,656,844,200 | 577 |
| Average equity | $190,085,600 | 565 |
| Average total loans | $1,499,572,800 | 471 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 994 |
| Cost of funding earning assets | 0.3908% | 1,772 |
| Net interest margin | 3.8820% | 973 |
| Noninterest income to average assets | 5.4444% | 107 |
| Noninterest expense to average assets | 6.1700% | 120 |
| Loan and lease loss provision to assets | 0.0994% | 1,208 |
| Net operating income to assets | 2.2473% | 293 |
| Return on assets (ROA) | 2.2681% | 301 |
| Pretax return on assets | 2.9255% | 192 |
| Return on Equity (ROE) | 20.9912% | 359 |
| Retained earnings to average equity (ytd only) | 11.4840% | 952 |
| Net charge-offs to loans | 0.0073% | 2,052 |
| Credit loss provision to net charge-offs | 1,575.6098% | 384 |
| Earnings coverage of net charge-offs (x) | 475.2561% | 312 |
| Efficiency ratio | 67.1526% | 1,948 |
| Assets per employee ($millions) | 4.3516% | 4,228 |
| Cash dividends to net income (ytd only)* | 45.2914% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,641 |
| Loan loss allowance to noncurrent loans | 206.4179% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 1,462 |
| Noncurrent loans to loans | 0.6142% | 1,776 |
| Net loans and leases to total assets | 83.8447% | 121 |
| Net loans and leases to deposits | 102.5553% | 181 |
| Net loans and leases to core deposits | 118.7964% | 196 |
| Total domestic deposits to total assets | 81.7556% | 3,968 |
| Equity capital to assets | 11.1215% | 1,934 |
| Core capital (leverage) ratio | 11.5499% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,732,834,000 | 607 |
| Average earning assets | $1,662,381,250 | 581 |
| Average equity | $187,235,500 | 581 |
| Average total loans | $1,507,631,250 | 476 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 1,141 |
| Cost of funding earning assets | 0.4060% | 1,837 |
| Net interest margin | 3.8185% | 1,115 |
| Noninterest income to average assets | 5.6585% | 99 |
| Noninterest expense to average assets | 6.3274% | 113 |
| Loan and lease loss provision to assets | 0.0807% | 1,507 |
| Net operating income to assets | 2.2611% | 301 |
| Return on assets (ROA) | 2.2641% | 317 |
| Pretax return on assets | 2.9234% | 206 |
| Return on Equity (ROE) | 21.1652% | 374 |
| Retained earnings to average equity (ytd only) | 10.4790% | 1,257 |
| Net charge-offs to loans | 0.0131% | 1,687 |
| Credit loss provision to net charge-offs | 702.0202% | 577 |
| Earnings coverage of net charge-offs (x) | 261.0808% | 419 |
| Efficiency ratio | 67.6867% | 1,915 |
| Assets per employee ($millions) | 4.2197% | 4,315 |
| Cash dividends to net income (ytd only)* | 50.4896% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,783 |
| Loan loss allowance to noncurrent loans | 224.6269% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 1,753 |
| Noncurrent loans to loans | 0.5467% | 2,033 |
| Net loans and leases to total assets | 86.4105% | 71 |
| Net loans and leases to deposits | 104.3949% | 178 |
| Net loans and leases to core deposits | 125.3813% | 162 |
| Total domestic deposits to total assets | 82.7727% | 3,755 |
| Equity capital to assets | 11.1456% | 1,879 |
| Core capital (leverage) ratio | 11.2785% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,722,974,000 | 604 |
| Average earning assets | $1,655,632,000 | 580 |
| Average equity | $184,311,667 | 587 |
| Average total loans | $1,511,286,333 | 477 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 1,201 |
| Cost of funding earning assets | 0.4317% | 1,850 |
| Net interest margin | 3.7700% | 1,200 |
| Noninterest income to average assets | 6.2470% | 101 |
| Noninterest expense to average assets | 6.5349% | 113 |
| Loan and lease loss provision to assets | 0.1385% | 975 |
| Net operating income to assets | 2.4704% | 277 |
| Return on assets (ROA) | 2.4759% | 299 |
| Pretax return on assets | 3.2010% | 189 |
| Return on Equity (ROE) | 23.6341% | 311 |
| Retained earnings to average equity (ytd only) | 7.1512% | 2,529 |
| Net charge-offs to loans | -0.0029% | 3,217 |
| Credit loss provision to net charge-offs | -5,445.4545% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0676% | 2,223 |
| Assets per employee ($millions) | 4.4269% | 4,175 |
| Cash dividends to net income (ytd only)* | 69.7422% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,904 |
| Loan loss allowance to noncurrent loans | 214.4224% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 1,914 |
| Noncurrent loans to loans | 0.5620% | 2,165 |
| Net loans and leases to total assets | 86.5871% | 77 |
| Net loans and leases to deposits | 108.8188% | 146 |
| Net loans and leases to core deposits | 134.4942% | 116 |
| Total domestic deposits to total assets | 79.5700% | 4,259 |
| Equity capital to assets | 10.4709% | 2,294 |
| Core capital (leverage) ratio | 11.3568% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,729,971,500 | 600 |
| Average earning assets | $1,661,311,000 | 575 |
| Average equity | $181,229,500 | 590 |
| Average total loans | $1,519,380,500 | 474 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 1,703 |
| Cost of funding earning assets | 0.7965% | 1,230 |
| Net interest margin | 3.5593% | 2,281 |
| Noninterest income to average assets | 5.6943% | 102 |
| Noninterest expense to average assets | 6.1965% | 122 |
| Loan and lease loss provision to assets | 0.5526% | 396 |
| Net operating income to assets | 1.8335% | 362 |
| Return on assets (ROA) | 1.9059% | 339 |
| Pretax return on assets | 2.4450% | 203 |
| Return on Equity (ROE) | 17.1810% | 392 |
| Retained earnings to average equity (ytd only) | 10.2740% | 540 |
| Net charge-offs to loans | 0.0037% | 3,233 |
| Credit loss provision to net charge-offs | 16,942.8571% | 61 |
| Earnings coverage of net charge-offs (x) | 890.9184% | 134 |
| Efficiency ratio | 67.8750% | 2,253 |
| Assets per employee ($millions) | 4.5149% | 3,900 |
| Cash dividends to net income (ytd only)* | 40.2012% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,091 |
| Loan loss allowance to noncurrent loans | 224.8134% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 2,186 |
| Noncurrent loans to loans | 0.5220% | 2,412 |
| Net loans and leases to total assets | 86.9797% | 68 |
| Net loans and leases to deposits | 120.5105% | 73 |
| Net loans and leases to core deposits | 148.1522% | 92 |
| Total domestic deposits to total assets | 72.1761% | 4,702 |
| Equity capital to assets | 10.4808% | 2,690 |
| Core capital (leverage) ratio | 11.5410% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,502,231,800 | 615 |
| Average earning assets | $1,438,465,400 | 588 |
| Average equity | $166,643,800 | 614 |
| Average total loans | $1,310,820,000 | 506 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,075 |
| Cost of funding earning assets | 0.8750% | 1,154 |
| Net interest margin | 3.4326% | 2,806 |
| Noninterest income to average assets | 5.1198% | 111 |
| Noninterest expense to average assets | 5.6319% | 145 |
| Loan and lease loss provision to assets | 0.6574% | 357 |
| Net operating income to assets | 1.6591% | 631 |
| Return on assets (ROA) | 1.7595% | 558 |
| Pretax return on assets | 2.2400% | 313 |
| Return on Equity (ROE) | 15.6051% | 594 |
| Retained earnings to average equity (ytd only) | 7.7033% | 1,416 |
| Net charge-offs to loans | 0.0084% | 2,812 |
| Credit loss provision to net charge-offs | 9,036.7089% | 132 |
| Earnings coverage of net charge-offs (x) | 380.7975% | 301 |
| Efficiency ratio | 66.8026% | 2,344 |
| Assets per employee ($millions) | 4.8716% | 3,406 |
| Cash dividends to net income (ytd only)* | 50.6360% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,297 |
| Loan loss allowance to noncurrent loans | 209.4931% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,383 |
| Noncurrent loans to loans | 0.5164% | 2,506 |
| Net loans and leases to total assets | 86.1698% | 145 |
| Net loans and leases to deposits | 125.3428% | 77 |
| Net loans and leases to core deposits | 160.0079% | 82 |
| Total domestic deposits to total assets | 68.7473% | 4,794 |
| Equity capital to assets | 9.7403% | 3,482 |
| Core capital (leverage) ratio | 11.5274% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,447,748,250 | 618 |
| Average earning assets | $1,384,439,250 | 594 |
| Average equity | $163,232,750 | 619 |
| Average total loans | $1,260,034,250 | 517 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 1,921 |
| Cost of funding earning assets | 1.0071% | 970 |
| Net interest margin | 3.4910% | 2,819 |
| Noninterest income to average assets | 4.6106% | 116 |
| Noninterest expense to average assets | 5.7208% | 144 |
| Loan and lease loss provision to assets | 0.4736% | 793 |
| Net operating income to assets | 1.3857% | 1,147 |
| Return on assets (ROA) | 1.3921% | 1,220 |
| Pretax return on assets | 1.7560% | 880 |
| Return on Equity (ROE) | 11.6553% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.6553% | 502 |
| Net charge-offs to loans | -0.0017% | 3,800 |
| Credit loss provision to net charge-offs | -31,830.0000% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7757% | 1,721 |
| Assets per employee ($millions) | 4.6444% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 3,915 |
| Loan loss allowance to noncurrent loans | 170.5732% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 2,431 |
| Noncurrent loans to loans | 0.5395% | 2,553 |
| Net loans and leases to total assets | 86.6296% | 111 |
| Net loans and leases to deposits | 117.2500% | 115 |
| Net loans and leases to core deposits | 151.1752% | 105 |
| Total domestic deposits to total assets | 73.8845% | 4,605 |
| Equity capital to assets | 10.4140% | 2,827 |
| Core capital (leverage) ratio | 11.5486% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,344,114,667 | 655 |
| Average earning assets | $1,282,718,667 | 622 |
| Average equity | $160,544,333 | 627 |
| Average total loans | $1,169,380,000 | 541 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,643 |
| Cost of funding earning assets | 1.2209% | 716 |
| Net interest margin | 3.5019% | 2,980 |
| Noninterest income to average assets | 3.3767% | 130 |
| Noninterest expense to average assets | 4.9560% | 231 |
| Loan and lease loss provision to assets | 0.5061% | 581 |
| Net operating income to assets | 1.0037% | 2,159 |
| Return on assets (ROA) | 1.0037% | 2,268 |
| Pretax return on assets | 1.2499% | 2,035 |
| Return on Equity (ROE) | 7.7632% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.7632% | 1,300 |
| Net charge-offs to loans | -0.0124% | 4,153 |
| Credit loss provision to net charge-offs | -4,703.0303% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5073% | 1,883 |
| Assets per employee ($millions) | 4.0601% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,795 |
| Loan loss allowance to noncurrent loans | 167.7449% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 2,476 |
| Noncurrent loans to loans | 0.5860% | 2,541 |
| Net loans and leases to total assets | 85.7811% | 153 |
| Net loans and leases to deposits | 112.4995% | 157 |
| Net loans and leases to core deposits | 151.7880% | 110 |
| Total domestic deposits to total assets | 76.2502% | 4,456 |
| Equity capital to assets | 12.0883% | 2,003 |
| Core capital (leverage) ratio | 13.2241% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,226,630,500 | 679 |
| Average earning assets | $1,168,282,500 | 652 |
| Average equity | $158,593,500 | 627 |
| Average total loans | $1,063,740,500 | 563 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1997% | 995 |
| Cost of funding earning assets | 1.6177% | 275 |
| Net interest margin | 3.5821% | 3,196 |
| Noninterest income to average assets | 3.0734% | 144 |
| Noninterest expense to average assets | 5.1345% | 197 |
| Loan and lease loss provision to assets | 0.0841% | 2,328 |
| Net operating income to assets | 0.9735% | 2,938 |
| Return on assets (ROA) | 0.9857% | 2,977 |
| Pretax return on assets | 1.2687% | 2,615 |
| Return on Equity (ROE) | 8.6093% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.6093% | 809 |
| Net charge-offs to loans | -0.0598% | 4,855 |
| Credit loss provision to net charge-offs | -161.1807% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9416% | 1,043 |
| Assets per employee ($millions) | 4.6558% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,731 |
| Loan loss allowance to noncurrent loans | 281.2001% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 3,211 |
| Noncurrent loans to loans | 0.3388% | 3,230 |
| Net loans and leases to total assets | 85.9930% | 165 |
| Net loans and leases to deposits | 116.1614% | 112 |
| Net loans and leases to core deposits | 170.0615% | 63 |
| Total domestic deposits to total assets | 74.0288% | 4,768 |
| Equity capital to assets | 13.8823% | 1,144 |
| Core capital (leverage) ratio | 14.0758% | 911 |
| Tier 1 risk-based capital ratio | 14.9786% | 2,788 |
| Total risk-based capital ratio | 16.0888% | 2,779 |
| Memoranda: | ||
| Average total assets | $1,071,545,000 | 739 |
| Average earning assets | $1,016,648,200 | 714 |
| Average equity | $122,680,600 | 744 |
| Average total loans | $935,026,600 | 613 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 1,028 |
| Cost of funding earning assets | 1.6453% | 250 |
| Net interest margin | 3.5634% | 3,359 |
| Noninterest income to average assets | 3.0389% | 151 |
| Noninterest expense to average assets | 5.1348% | 195 |
| Loan and lease loss provision to assets | 0.1189% | 1,644 |
| Net operating income to assets | 0.9096% | 3,314 |
| Return on assets (ROA) | 0.9308% | 3,306 |
| Pretax return on assets | 1.1927% | 3,004 |
| Return on Equity (ROE) | 8.6317% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.6317% | 1,156 |
| Net charge-offs to loans | -0.0466% | 4,820 |
| Credit loss provision to net charge-offs | -292.2118% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5826% | 957 |
| Assets per employee ($millions) | 4.5625% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,841 |
| Loan loss allowance to noncurrent loans | 236.9466% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 3,064 |
| Noncurrent loans to loans | 0.3992% | 3,112 |
| Net loans and leases to total assets | 86.5320% | 159 |
| Net loans and leases to deposits | 113.5610% | 142 |
| Net loans and leases to core deposits | 168.0706% | 73 |
| Total domestic deposits to total assets | 76.1987% | 4,626 |
| Equity capital to assets | 10.4284% | 3,616 |
| Core capital (leverage) ratio | 10.6659% | 2,961 |
| Tier 1 risk-based capital ratio | 11.2298% | 4,806 |
| Total risk-based capital ratio | 13.0824% | 4,384 |
| Memoranda: | ||
| Average total assets | $1,051,936,500 | 750 |
| Average earning assets | $997,963,250 | 729 |
| Average equity | $113,440,000 | 801 |
| Average total loans | $919,179,750 | 628 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 966 |
| Cost of funding earning assets | 1.6406% | 235 |
| Net interest margin | 3.5684% | 3,368 |
| Noninterest income to average assets | 2.7725% | 175 |
| Noninterest expense to average assets | 5.1337% | 205 |
| Loan and lease loss provision to assets | 0.0454% | 2,912 |
| Net operating income to assets | 0.7631% | 3,778 |
| Return on assets (ROA) | 0.7845% | 3,771 |
| Pretax return on assets | 1.0088% | 3,517 |
| Return on Equity (ROE) | 7.1878% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.1878% | 1,731 |
| Net charge-offs to loans | -0.0756% | 4,947 |
| Credit loss provision to net charge-offs | -68.7316% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8950% | 739 |
| Assets per employee ($millions) | 4.2236% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,952 |
| Loan loss allowance to noncurrent loans | 208.2327% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 2,890 |
| Noncurrent loans to loans | 0.4480% | 2,926 |
| Net loans and leases to total assets | 86.7345% | 164 |
| Net loans and leases to deposits | 108.9354% | 246 |
| Net loans and leases to core deposits | 163.4786% | 85 |
| Total domestic deposits to total assets | 79.6202% | 4,113 |
| Equity capital to assets | 10.8323% | 3,236 |
| Core capital (leverage) ratio | 10.9600% | 2,635 |
| Tier 1 risk-based capital ratio | 11.3727% | 4,753 |
| Total risk-based capital ratio | 13.2342% | 4,312 |
| Memoranda: | ||
| Average total assets | $1,026,936,330 | 762 |
| Average earning assets | $975,111,000 | 744 |
| Average equity | $112,079,330 | 809 |
| Average total loans | $897,415,330 | 644 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 1,060 |
| Cost of funding earning assets | 1.5977% | 230 |
| Net interest margin | 3.5206% | 3,536 |
| Noninterest income to average assets | 2.5467% | 185 |
| Noninterest expense to average assets | 4.7868% | 238 |
| Loan and lease loss provision to assets | 0.0865% | 1,978 |
| Net operating income to assets | 0.7925% | 3,648 |
| Return on assets (ROA) | 0.7925% | 3,696 |
| Pretax return on assets | 1.0225% | 3,373 |
| Return on Equity (ROE) | 7.2334% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.2334% | 1,957 |
| Net charge-offs to loans | -0.0471% | 4,812 |
| Credit loss provision to net charge-offs | -210.5769% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7344% | 986 |
| Assets per employee ($millions) | 4.0774% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 4,003 |
| Loan loss allowance to noncurrent loans | 218.6374% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 3,048 |
| Noncurrent loans to loans | 0.4295% | 3,042 |
| Net loans and leases to total assets | 85.9948% | 188 |
| Net loans and leases to deposits | 108.9916% | 248 |
| Net loans and leases to core deposits | 156.1814% | 106 |
| Total domestic deposits to total assets | 78.9004% | 4,372 |
| Equity capital to assets | 10.8993% | 2,950 |
| Core capital (leverage) ratio | 11.0081% | 2,567 |
| Tier 1 risk-based capital ratio | 11.7076% | 4,619 |
| Total risk-based capital ratio | 13.6461% | 4,100 |
| Memoranda: | ||
| Average total assets | $1,012,451,500 | 776 |
| Average earning assets | $963,122,000 | 751 |
| Average equity | $110,929,500 | 806 |
| Average total loans | $883,893,000 | 655 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 1,025 |
| Cost of funding earning assets | 1.2970% | 221 |
| Net interest margin | 3.7131% | 2,983 |
| Noninterest income to average assets | 3.4849% | 124 |
| Noninterest expense to average assets | 5.7026% | 146 |
| Loan and lease loss provision to assets | 0.1699% | 1,179 |
| Net operating income to assets | 0.8792% | 3,501 |
| Return on assets (ROA) | 0.8792% | 3,493 |
| Pretax return on assets | 1.1298% | 3,170 |
| Return on Equity (ROE) | 7.7745% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.7745% | 1,338 |
| Net charge-offs to loans | 0.0288% | 2,825 |
| Credit loss provision to net charge-offs | 676.8240% | 513 |
| Earnings coverage of net charge-offs (x) | 51.7897% | 1,110 |
| Efficiency ratio | 80.7466% | 896 |
| Assets per employee ($millions) | 3.7637% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 4,088 |
| Loan loss allowance to noncurrent loans | 204.8588% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,983 |
| Noncurrent loans to loans | 0.4488% | 2,930 |
| Net loans and leases to total assets | 87.0020% | 168 |
| Net loans and leases to deposits | 115.3721% | 150 |
| Net loans and leases to core deposits | 163.4205% | 80 |
| Total domestic deposits to total assets | 75.4100% | 4,828 |
| Equity capital to assets | 11.0155% | 2,676 |
| Core capital (leverage) ratio | 11.1977% | 2,355 |
| Tier 1 risk-based capital ratio | 11.7574% | 4,588 |
| Total risk-based capital ratio | 13.7001% | 4,044 |
| Memoranda: | ||
| Average total assets | $928,442,000 | 822 |
| Average earning assets | $879,516,400 | 800 |
| Average equity | $104,997,600 | 813 |
| Average total loans | $808,950,400 | 692 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 982 |
| Cost of funding earning assets | 1.2307% | 219 |
| Net interest margin | 3.7437% | 2,854 |
| Noninterest income to average assets | 3.6421% | 130 |
| Noninterest expense to average assets | 5.9098% | 135 |
| Loan and lease loss provision to assets | 0.1841% | 988 |
| Net operating income to assets | 0.8485% | 3,749 |
| Return on assets (ROA) | 0.8485% | 3,754 |
| Pretax return on assets | 1.0916% | 3,430 |
| Return on Equity (ROE) | 7.4502% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.4502% | 1,902 |
| Net charge-offs to loans | 0.0431% | 2,234 |
| Credit loss provision to net charge-offs | 491.4063% | 721 |
| Earnings coverage of net charge-offs (x) | 34.0552% | 1,500 |
| Efficiency ratio | 81.8295% | 789 |
| Assets per employee ($millions) | 3.6495% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,200 |
| Loan loss allowance to noncurrent loans | 263.8946% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,480 |
| Noncurrent loans to loans | 0.3475% | 3,404 |
| Net loans and leases to total assets | 86.7989% | 201 |
| Net loans and leases to deposits | 106.5472% | 422 |
| Net loans and leases to core deposits | 143.0626% | 189 |
| Total domestic deposits to total assets | 81.4652% | 3,750 |
| Equity capital to assets | 11.1497% | 2,517 |
| Core capital (leverage) ratio | 11.0174% | 2,560 |
| Tier 1 risk-based capital ratio | 12.0258% | 4,493 |
| Total risk-based capital ratio | 14.0328% | 3,935 |
| Memoranda: | ||
| Average total assets | $911,205,500 | 836 |
| Average earning assets | $862,441,750 | 816 |
| Average equity | $103,780,250 | 823 |
| Average total loans | $792,237,750 | 701 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 1,082 |
| Cost of funding earning assets | 1.1272% | 259 |
| Net interest margin | 3.7452% | 2,770 |
| Noninterest income to average assets | 3.5138% | 134 |
| Noninterest expense to average assets | 5.9522% | 139 |
| Loan and lease loss provision to assets | 0.2161% | 765 |
| Net operating income to assets | 0.6865% | 4,234 |
| Return on assets (ROA) | 0.6865% | 4,237 |
| Pretax return on assets | 0.8847% | 4,008 |
| Return on Equity (ROE) | 5.9824% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.9824% | 2,573 |
| Net charge-offs to loans | 0.0585% | 1,767 |
| Credit loss provision to net charge-offs | 425.9912% | 788 |
| Earnings coverage of net charge-offs (x) | 21.7004% | 1,766 |
| Efficiency ratio | 83.9617% | 689 |
| Assets per employee ($millions) | 3.2828% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 4,339 |
| Loan loss allowance to noncurrent loans | 261.8278% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 3,558 |
| Noncurrent loans to loans | 0.3439% | 3,463 |
| Net loans and leases to total assets | 86.7055% | 214 |
| Net loans and leases to deposits | 119.9772% | 104 |
| Net loans and leases to core deposits | 157.7529% | 87 |
| Total domestic deposits to total assets | 72.2683% | 5,162 |
| Equity capital to assets | 11.0404% | 2,599 |
| Core capital (leverage) ratio | 11.2814% | 2,275 |
| Tier 1 risk-based capital ratio | 12.0316% | 4,473 |
| Total risk-based capital ratio | 14.0684% | 3,907 |
| Memoranda: | ||
| Average total assets | $894,997,670 | 853 |
| Average earning assets | $845,784,330 | 833 |
| Average equity | $102,701,000 | 835 |
| Average total loans | $776,039,670 | 718 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 1,139 |
| Cost of funding earning assets | 1.0251% | 326 |
| Net interest margin | 3.7475% | 2,623 |
| Noninterest income to average assets | 3.2450% | 145 |
| Noninterest expense to average assets | 5.7771% | 149 |
| Loan and lease loss provision to assets | 0.2548% | 574 |
| Net operating income to assets | 0.5841% | 4,467 |
| Return on assets (ROA) | 0.5841% | 4,475 |
| Pretax return on assets | 0.7505% | 4,295 |
| Return on Equity (ROE) | 4.9872% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.9872% | 3,178 |
| Net charge-offs to loans | 0.0666% | 1,445 |
| Credit loss provision to net charge-offs | 443.2000% | 647 |
| Earnings coverage of net charge-offs (x) | 17.4880% | 1,578 |
| Efficiency ratio | 84.7166% | 741 |
| Assets per employee ($millions) | 3.2012% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 4,333 |
| Loan loss allowance to noncurrent loans | 241.9661% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 3,303 |
| Noncurrent loans to loans | 0.3825% | 3,411 |
| Net loans and leases to total assets | 86.4866% | 226 |
| Net loans and leases to deposits | 112.4869% | 198 |
| Net loans and leases to core deposits | 159.3063% | 89 |
| Total domestic deposits to total assets | 76.8859% | 4,871 |
| Equity capital to assets | 11.5855% | 2,069 |
| Core capital (leverage) ratio | 11.6868% | 1,866 |
| Tier 1 risk-based capital ratio | 12.3574% | 4,341 |
| Total risk-based capital ratio | 14.4550% | 3,739 |
| Memoranda: | ||
| Average total assets | $869,779,000 | 883 |
| Average earning assets | $821,030,500 | 863 |
| Average equity | $101,861,500 | 840 |
| Average total loans | $750,463,000 | 738 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 949 |
| Cost of funding earning assets | 0.9139% | 349 |
| Net interest margin | 3.9016% | 2,086 |
| Noninterest income to average assets | 4.8239% | 108 |
| Noninterest expense to average assets | 7.5026% | 103 |
| Loan and lease loss provision to assets | 0.2754% | 648 |
| Net operating income to assets | 0.3847% | 4,740 |
| Return on assets (ROA) | 0.3868% | 4,746 |
| Pretax return on assets | 0.7378% | 4,421 |
| Return on Equity (ROE) | 3.9452% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.4282% | 3,878 |
| Net charge-offs to loans | 0.1283% | 1,759 |
| Credit loss provision to net charge-offs | 246.1276% | 1,119 |
| Earnings coverage of net charge-offs (x) | 9.0251% | 2,831 |
| Efficiency ratio | 87.8288% | 542 |
| Assets per employee ($millions) | 2.9316% | 5,245 |
| Cash dividends to net income (ytd only)* | 38.4514% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,378 |
| Loan loss allowance to noncurrent loans | 212.5475% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 3,185 |
| Noncurrent loans to loans | 0.4325% | 3,236 |
| Net loans and leases to total assets | 84.4535% | 400 |
| Net loans and leases to deposits | 115.2835% | 161 |
| Net loans and leases to core deposits | 148.3595% | 142 |
| Total domestic deposits to total assets | 73.2572% | 5,239 |
| Equity capital to assets | 11.8410% | 1,952 |
| Core capital (leverage) ratio | 12.3677% | 1,415 |
| Tier 1 risk-based capital ratio | 12.8640% | 3,995 |
| Total risk-based capital ratio | 15.5346% | 3,102 |
| Memoranda: | ||
| Average total assets | $784,596,400 | 947 |
| Average earning assets | $741,780,600 | 928 |
| Average equity | $76,928,200 | 1,051 |
| Average total loans | $684,550,400 | 765 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 1,001 |
| Cost of funding earning assets | 0.8833% | 384 |
| Net interest margin | 3.8778% | 2,116 |
| Noninterest income to average assets | 4.9417% | 113 |
| Noninterest expense to average assets | 7.6445% | 103 |
| Loan and lease loss provision to assets | 0.2513% | 691 |
| Net operating income to assets | 0.4757% | 4,809 |
| Return on assets (ROA) | 0.4761% | 4,845 |
| Pretax return on assets | 0.7163% | 4,573 |
| Return on Equity (ROE) | 5.1548% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,813 |
| Net charge-offs to loans | 0.1012% | 1,767 |
| Credit loss provision to net charge-offs | 282.7789% | 1,038 |
| Earnings coverage of net charge-offs (x) | 10.8806% | 2,546 |
| Efficiency ratio | 88.4978% | 479 |
| Assets per employee ($millions) | 2.7626% | 5,406 |
| Cash dividends to net income (ytd only)* | 31.6654% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,582 |
| Loan loss allowance to noncurrent loans | 102.8299% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 2,195 |
| Noncurrent loans to loans | 0.8726% | 2,193 |
| Net loans and leases to total assets | 87.3639% | 179 |
| Net loans and leases to deposits | 113.7032% | 188 |
| Net loans and leases to core deposits | 160.8533% | 83 |
| Total domestic deposits to total assets | 76.8351% | 4,916 |
| Equity capital to assets | 8.9854% | 4,927 |
| Core capital (leverage) ratio | 8.6797% | 5,080 |
| Tier 1 risk-based capital ratio | 9.2048% | 5,692 |
| Total risk-based capital ratio | 11.9283% | 5,311 |
| Memoranda: | ||
| Average total assets | $766,736,250 | 971 |
| Average earning assets | $725,582,250 | 950 |
| Average equity | $70,819,500 | 1,130 |
| Average total loans | $673,272,750 | 781 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 1,099 |
| Cost of funding earning assets | 0.8272% | 457 |
| Net interest margin | 3.8499% | 2,098 |
| Noninterest income to average assets | 4.6729% | 123 |
| Noninterest expense to average assets | 7.5827% | 106 |
| Loan and lease loss provision to assets | 0.2068% | 872 |
| Net operating income to assets | 0.3562% | 5,078 |
| Return on assets (ROA) | 0.3569% | 5,099 |
| Pretax return on assets | 0.5332% | 4,949 |
| Return on Equity (ROE) | 3.8267% | 4,869 |
| Retained earnings to average equity (ytd only) | 2.1834% | 4,369 |
| Net charge-offs to loans | -0.0027% | 4,215 |
| Credit loss provision to net charge-offs | -8,666.6667% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9294% | 408 |
| Assets per employee ($millions) | 2.5764% | 5,522 |
| Cash dividends to net income (ytd only)* | 42.9421% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,611 |
| Loan loss allowance to noncurrent loans | 148.0934% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 2,977 |
| Noncurrent loans to loans | 0.6127% | 2,889 |
| Net loans and leases to total assets | 86.9257% | 213 |
| Net loans and leases to deposits | 121.2819% | 85 |
| Net loans and leases to core deposits | 169.0794% | 71 |
| Total domestic deposits to total assets | 71.6725% | 5,473 |
| Equity capital to assets | 9.1125% | 4,788 |
| Core capital (leverage) ratio | 8.8451% | 4,901 |
| Tier 1 risk-based capital ratio | 9.3620% | 5,720 |
| Total risk-based capital ratio | 12.1811% | 5,192 |
| Memoranda: | ||
| Average total assets | $754,346,330 | 989 |
| Average earning assets | $714,932,330 | 968 |
| Average equity | $70,348,000 | 1,135 |
| Average total loans | $661,469,330 | 795 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,146 |
| Cost of funding earning assets | 0.7820% | 545 |
| Net interest margin | 3.8179% | 2,057 |
| Noninterest income to average assets | 3.9094% | 149 |
| Noninterest expense to average assets | 7.3951% | 118 |
| Loan and lease loss provision to assets | 0.0858% | 2,103 |
| Net operating income to assets | 0.0550% | 5,563 |
| Return on assets (ROA) | 0.0550% | 5,570 |
| Pretax return on assets | 0.0594% | 5,561 |
| Return on Equity (ROE) | 0.5832% | 5,555 |
| Retained earnings to average equity (ytd only) | -1.0693% | 5,076 |
| Net charge-offs to loans | -0.0769% | 5,359 |
| Credit loss provision to net charge-offs | -127.2000% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0747% | 266 |
| Assets per employee ($millions) | 2.5208% | 5,615 |
| Cash dividends to net income (ytd only)* | 283.3333% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,862 |
| Loan loss allowance to noncurrent loans | 129.3092% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 2,879 |
| Noncurrent loans to loans | 0.6733% | 2,832 |
| Net loans and leases to total assets | 86.8224% | 169 |
| Net loans and leases to deposits | 114.8852% | 139 |
| Net loans and leases to core deposits | 153.8028% | 95 |
| Total domestic deposits to total assets | 75.5732% | 5,274 |
| Equity capital to assets | 9.3421% | 4,449 |
| Core capital (leverage) ratio | 9.7697% | 3,791 |
| Tier 1 risk-based capital ratio | 10.2500% | 5,635 |
| Total risk-based capital ratio | 13.0926% | 4,728 |
| Memoranda: | ||
| Average total assets | $741,189,000 | 1,002 |
| Average earning assets | $704,894,500 | 979 |
| Average equity | $69,953,000 | 1,134 |
| Average total loans | $649,799,500 | 810 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 1,247 |
| Cost of funding earning assets | 0.7733% | 566 |
| Net interest margin | 3.8411% | 2,169 |
| Noninterest income to average assets | 6.2993% | 92 |
| Noninterest expense to average assets | 8.7269% | 92 |
| Loan and lease loss provision to assets | 0.1703% | 1,432 |
| Net operating income to assets | 0.6994% | 3,787 |
| Return on assets (ROA) | 0.6997% | 3,892 |
| Pretax return on assets | 1.0692% | 3,221 |
| Return on Equity (ROE) | 7.4946% | 3,222 |
| Retained earnings to average equity (ytd only) | 5.7340% | 1,863 |
| Net charge-offs to loans | 0.1720% | 1,585 |
| Credit loss provision to net charge-offs | 111.8581% | 2,349 |
| Earnings coverage of net charge-offs (x) | 8.1373% | 2,916 |
| Efficiency ratio | 87.5669% | 712 |
| Assets per employee ($millions) | 2.4294% | 5,694 |
| Cash dividends to net income (ytd only)* | 23.4912% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 4,979 |
| Loan loss allowance to noncurrent loans | 101.9162% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 2,552 |
| Noncurrent loans to loans | 0.8267% | 2,458 |
| Net loans and leases to total assets | 87.0172% | 182 |
| Net loans and leases to deposits | 121.1149% | 82 |
| Net loans and leases to core deposits | 173.5153% | 57 |
| Total domestic deposits to total assets | 71.8468% | 5,570 |
| Equity capital to assets | 9.5357% | 4,231 |
| Core capital (leverage) ratio | 9.6743% | 3,885 |
| Tier 1 risk-based capital ratio | 10.6199% | 5,517 |
| Total risk-based capital ratio | 13.5102% | 4,410 |
| Memoranda: | ||
| Average total assets | $703,344,400 | 1,018 |
| Average earning assets | $671,393,400 | 989 |
| Average equity | $65,661,000 | 1,196 |
| Average total loans | $622,535,000 | 800 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,313 |
| Cost of funding earning assets | 0.7718% | 569 |
| Net interest margin | 3.8158% | 2,279 |
| Noninterest income to average assets | 6.3319% | 96 |
| Noninterest expense to average assets | 8.5539% | 91 |
| Loan and lease loss provision to assets | 0.1644% | 1,391 |
| Net operating income to assets | 0.8164% | 3,291 |
| Return on assets (ROA) | 0.8167% | 3,426 |
| Pretax return on assets | 1.2579% | 2,588 |
| Return on Equity (ROE) | 8.7984% | 2,602 |
| Retained earnings to average equity (ytd only) | 7.0086% | 1,628 |
| Net charge-offs to loans | 0.1024% | 1,922 |
| Credit loss provision to net charge-offs | 181.0127% | 1,550 |
| Earnings coverage of net charge-offs (x) | 15.6520% | 2,168 |
| Efficiency ratio | 85.7480% | 842 |
| Assets per employee ($millions) | 2.4595% | 5,745 |
| Cash dividends to net income (ytd only)* | 20.3426% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 5,028 |
| Loan loss allowance to noncurrent loans | 101.7732% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 2,694 |
| Noncurrent loans to loans | 0.8376% | 2,588 |
| Net loans and leases to total assets | 88.3893% | 116 |
| Net loans and leases to deposits | 125.6305% | 70 |
| Net loans and leases to core deposits | 192.5521% | 49 |
| Total domestic deposits to total assets | 70.3565% | 5,678 |
| Equity capital to assets | 9.3799% | 4,779 |
| Core capital (leverage) ratio | 9.5519% | 4,112 |
| Tier 1 risk-based capital ratio | 10.5319% | 5,601 |
| Total risk-based capital ratio | 13.4466% | 4,568 |
| Memoranda: | ||
| Average total assets | $695,757,250 | 1,029 |
| Average earning assets | $664,385,750 | 1,001 |
| Average equity | $64,585,500 | 1,223 |
| Average total loans | $617,202,750 | 803 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,383 |
| Cost of funding earning assets | 0.7724% | 560 |
| Net interest margin | 3.7785% | 2,411 |
| Noninterest income to average assets | 5.6877% | 106 |
| Noninterest expense to average assets | 8.1478% | 102 |
| Loan and lease loss provision to assets | 0.0902% | 2,344 |
| Net operating income to assets | 0.6848% | 3,876 |
| Return on assets (ROA) | 0.6848% | 4,020 |
| Pretax return on assets | 1.0562% | 3,377 |
| Return on Equity (ROE) | 7.4056% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.5630% | 2,387 |
| Net charge-offs to loans | 0.1199% | 1,634 |
| Credit loss provision to net charge-offs | 85.0000% | 2,317 |
| Earnings coverage of net charge-offs (x) | 10.8028% | 2,302 |
| Efficiency ratio | 87.6649% | 746 |
| Assets per employee ($millions) | 2.3544% | 5,845 |
| Cash dividends to net income (ytd only)* | 24.8816% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 5,248 |
| Loan loss allowance to noncurrent loans | 91.6303% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 2,574 |
| Noncurrent loans to loans | 0.8868% | 2,519 |
| Net loans and leases to total assets | 87.9830% | 138 |
| Net loans and leases to deposits | 120.4467% | 97 |
| Net loans and leases to core deposits | 174.0462% | 62 |
| Total domestic deposits to total assets | 73.0473% | 5,601 |
| Equity capital to assets | 9.3970% | 4,869 |
| Core capital (leverage) ratio | 10.1495% | 3,385 |
| Tier 1 risk-based capital ratio | 10.6907% | 5,583 |
| Total risk-based capital ratio | 13.6268% | 4,521 |
| Memoranda: | ||
| Average total assets | $678,444,330 | 1,051 |
| Average earning assets | $647,561,000 | 1,020 |
| Average equity | $62,736,330 | 1,260 |
| Average total loans | $600,748,670 | 821 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,208 |
| Cost of funding earning assets | 0.7806% | 541 |
| Net interest margin | 3.8415% | 2,138 |
| Noninterest income to average assets | 5.1633% | 115 |
| Noninterest expense to average assets | 7.9074% | 112 |
| Loan and lease loss provision to assets | 0.0404% | 3,109 |
| Net operating income to assets | 0.5860% | 4,242 |
| Return on assets (ROA) | 0.5860% | 4,359 |
| Pretax return on assets | 0.8760% | 3,950 |
| Return on Equity (ROE) | 6.3949% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.4657% | 3,253 |
| Net charge-offs to loans | 0.1355% | 1,295 |
| Credit loss provision to net charge-offs | 33.6735% | 2,192 |
| Earnings coverage of net charge-offs (x) | 7.6429% | 2,133 |
| Efficiency ratio | 89.6153% | 699 |
| Assets per employee ($millions) | 2.0790% | 5,978 |
| Cash dividends to net income (ytd only)* | 30.1670% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 5,050 |
| Loan loss allowance to noncurrent loans | 130.0453% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 3,134 |
| Noncurrent loans to loans | 0.6941% | 3,112 |
| Net loans and leases to total assets | 88.0276% | 114 |
| Net loans and leases to deposits | 104.4374% | 394 |
| Net loans and leases to core deposits | 151.9303% | 101 |
| Total domestic deposits to total assets | 84.2875% | 3,402 |
| Equity capital to assets | 10.3841% | 3,636 |
| Core capital (leverage) ratio | 10.5804% | 2,875 |
| Tier 1 risk-based capital ratio | 11.7293% | 5,095 |
| Total risk-based capital ratio | 14.9933% | 3,777 |
| Memoranda: | ||
| Average total assets | $653,918,000 | 1,081 |
| Average earning assets | $623,096,500 | 1,049 |
| Average equity | $59,923,000 | 1,296 |
| Average total loans | $578,464,000 | 853 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7437% | 1,020 |
| Cost of funding earning assets | 0.7782% | 549 |
| Net interest margin | 3.9655% | 1,829 |
| Noninterest income to average assets | 6.0331% | 105 |
| Noninterest expense to average assets | 8.0526% | 105 |
| Loan and lease loss provision to assets | 0.2319% | 851 |
| Net operating income to assets | 1.0042% | 2,342 |
| Return on assets (ROA) | 1.0007% | 2,458 |
| Pretax return on assets | 1.5260% | 1,476 |
| Return on Equity (ROE) | 12.4752% | 1,186 |
| Retained earnings to average equity (ytd only) | 10.2596% | 429 |
| Net charge-offs to loans | 0.2074% | 1,422 |
| Credit loss provision to net charge-offs | 125.3497% | 2,071 |
| Earnings coverage of net charge-offs (x) | 9.5297% | 2,810 |
| Efficiency ratio | 82.0381% | 1,409 |
| Assets per employee ($millions) | 2.0729% | 6,036 |
| Cash dividends to net income (ytd only)* | 17.7602% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 5,062 |
| Loan loss allowance to noncurrent loans | 133.7203% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 3,189 |
| Noncurrent loans to loans | 0.6779% | 3,166 |
| Net loans and leases to total assets | 87.3048% | 154 |
| Net loans and leases to deposits | 118.0530% | 118 |
| Net loans and leases to core deposits | 161.7415% | 73 |
| Total domestic deposits to total assets | 73.9539% | 5,653 |
| Equity capital to assets | 7.9779% | 5,858 |
| Core capital (leverage) ratio | 8.3937% | 5,529 |
| Tier 1 risk-based capital ratio | 9.2937% | 6,073 |
| Total risk-based capital ratio | 12.5804% | 5,250 |
| Memoranda: | ||
| Average total assets | $618,343,800 | 1,103 |
| Average earning assets | $589,837,400 | 1,058 |
| Average equity | $49,602,400 | 1,501 |
| Average total loans | $551,511,000 | 850 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 1,041 |
| Cost of funding earning assets | 0.7828% | 550 |
| Net interest margin | 3.9525% | 1,866 |
| Noninterest income to average assets | 5.9080% | 110 |
| Noninterest expense to average assets | 7.7754% | 118 |
| Loan and lease loss provision to assets | 0.2187% | 871 |
| Net operating income to assets | 1.1095% | 1,963 |
| Return on assets (ROA) | 1.1049% | 2,064 |
| Pretax return on assets | 1.6893% | 1,136 |
| Return on Equity (ROE) | 13.7532% | 953 |
| Retained earnings to average equity (ytd only) | 11.5389% | 411 |
| Net charge-offs to loans | 0.2214% | 1,178 |
| Credit loss provision to net charge-offs | 110.4213% | 2,111 |
| Earnings coverage of net charge-offs (x) | 9.6674% | 2,676 |
| Efficiency ratio | 80.2375% | 1,628 |
| Assets per employee ($millions) | 2.2028% | 6,083 |
| Cash dividends to net income (ytd only)* | 16.1001% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,252 |
| Loan loss allowance to noncurrent loans | 107.4784% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 2,948 |
| Noncurrent loans to loans | 0.8243% | 2,910 |
| Net loans and leases to total assets | 88.1306% | 130 |
| Net loans and leases to deposits | 110.8942% | 234 |
| Net loans and leases to core deposits | 152.0142% | 101 |
| Total domestic deposits to total assets | 79.4727% | 4,868 |
| Equity capital to assets | 7.9851% | 5,960 |
| Core capital (leverage) ratio | 8.2445% | 5,748 |
| Tier 1 risk-based capital ratio | 9.0064% | 6,190 |
| Total risk-based capital ratio | 12.2394% | 5,566 |
| Memoranda: | ||
| Average total assets | $607,094,000 | 1,128 |
| Average earning assets | $580,988,000 | 1,080 |
| Average equity | $48,772,750 | 1,537 |
| Average total loans | $543,281,750 | 870 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 1,102 |
| Cost of funding earning assets | 0.7708% | 585 |
| Net interest margin | 3.9145% | 1,930 |
| Noninterest income to average assets | 5.6585% | 118 |
| Noninterest expense to average assets | 7.5255% | 127 |
| Loan and lease loss provision to assets | 0.1129% | 1,947 |
| Net operating income to assets | 1.1583% | 1,751 |
| Return on assets (ROA) | 1.1513% | 1,840 |
| Pretax return on assets | 1.7618% | 953 |
| Return on Equity (ROE) | 14.2994% | 844 |
| Retained earnings to average equity (ytd only) | 12.1191% | 380 |
| Net charge-offs to loans | 0.2712% | 973 |
| Credit loss provision to net charge-offs | 46.3989% | 2,741 |
| Earnings coverage of net charge-offs (x) | 7.7507% | 2,639 |
| Efficiency ratio | 79.9649% | 1,768 |
| Assets per employee ($millions) | 2.2346% | 6,156 |
| Cash dividends to net income (ytd only)* | 15.2473% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 5,496 |
| Loan loss allowance to noncurrent loans | 125.9471% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 3,481 |
| Noncurrent loans to loans | 0.6660% | 3,481 |
| Net loans and leases to total assets | 89.2188% | 92 |
| Net loans and leases to deposits | 113.2617% | 196 |
| Net loans and leases to core deposits | 153.2530% | 94 |
| Total domestic deposits to total assets | 78.7723% | 5,144 |
| Equity capital to assets | 8.1884% | 5,886 |
| Core capital (leverage) ratio | 8.5067% | 5,525 |
| Tier 1 risk-based capital ratio | 9.3159% | 6,224 |
| Total risk-based capital ratio | 12.6669% | 5,445 |
| Memoranda: | ||
| Average total assets | $593,582,000 | 1,158 |
| Average earning assets | $569,019,670 | 1,109 |
| Average equity | $47,792,330 | 1,569 |
| Average total loans | $532,421,670 | 890 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 899 |
| Cost of funding earning assets | 0.7574% | 630 |
| Net interest margin | 4.0181% | 1,496 |
| Noninterest income to average assets | 5.4890% | 118 |
| Noninterest expense to average assets | 7.6066% | 130 |
| Loan and lease loss provision to assets | 0.0411% | 3,094 |
| Net operating income to assets | 1.1051% | 1,854 |
| Return on assets (ROA) | 1.0907% | 2,012 |
| Pretax return on assets | 1.6624% | 1,131 |
| Return on Equity (ROE) | 13.6680% | 946 |
| Retained earnings to average equity (ytd only) | 11.6774% | 616 |
| Net charge-offs to loans | 0.0765% | 1,937 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,276 |
| Efficiency ratio | 81.5114% | 1,681 |
| Assets per employee ($millions) | 2.2811% | 6,203 |
| Cash dividends to net income (ytd only)* | 14.5637% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 5,232 |
| Loan loss allowance to noncurrent loans | 186.9778% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 3,944 |
| Noncurrent loans to loans | 0.5105% | 4,048 |
| Net loans and leases to total assets | 87.9329% | 110 |
| Net loans and leases to deposits | 111.6701% | 186 |
| Net loans and leases to core deposits | 146.3950% | 114 |
| Total domestic deposits to total assets | 78.7435% | 5,305 |
| Equity capital to assets | 8.2216% | 5,923 |
| Core capital (leverage) ratio | 8.4381% | 5,588 |
| Tier 1 risk-based capital ratio | 9.2083% | 6,300 |
| Total risk-based capital ratio | 12.7248% | 5,482 |
| Memoranda: | ||
| Average total assets | $584,228,000 | 1,178 |
| Average earning assets | $558,777,000 | 1,131 |
| Average equity | $46,620,000 | 1,609 |
| Average total loans | $523,183,000 | 900 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 998 |
| Cost of funding earning assets | 0.7214% | 995 |
| Net interest margin | 4.1370% | 1,471 |
| Noninterest income to average assets | 4.6233% | 133 |
| Noninterest expense to average assets | 6.8724% | 143 |
| Loan and lease loss provision to assets | 0.4637% | 352 |
| Net operating income to assets | 0.7926% | 3,409 |
| Return on assets (ROA) | 0.7856% | 3,535 |
| Pretax return on assets | 1.1998% | 2,654 |
| Return on Equity (ROE) | 10.1590% | 2,045 |
| Retained earnings to average equity (ytd only) | 8.0598% | 1,000 |
| Net charge-offs to loans | 0.3340% | 1,317 |
| Credit loss provision to net charge-offs | 157.1075% | 1,545 |
| Earnings coverage of net charge-offs (x) | 5.6731% | 3,376 |
| Efficiency ratio | 80.4106% | 1,868 |
| Assets per employee ($millions) | 2.2654% | 6,286 |
| Cash dividends to net income (ytd only)* | 20.6640% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 5,281 |
| Loan loss allowance to noncurrent loans | 143.1266% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 3,570 |
| Noncurrent loans to loans | 0.6653% | 3,686 |
| Net loans and leases to total assets | 89.4672% | 79 |
| Net loans and leases to deposits | 112.5729% | 183 |
| Net loans and leases to core deposits | 151.5403% | 110 |
| Total domestic deposits to total assets | 79.4749% | 5,146 |
| Equity capital to assets | 7.7362% | 6,164 |
| Core capital (leverage) ratio | 7.9129% | 6,044 |
| Tier 1 risk-based capital ratio | 8.3278% | 6,433 |
| Total risk-based capital ratio | 11.7304% | 6,048 |
| Memoranda: | ||
| Average total assets | $548,249,200 | 1,220 |
| Average earning assets | $519,936,800 | 1,176 |
| Average equity | $42,395,800 | 1,693 |
| Average total loans | $484,378,400 | 918 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 1,091 |
| Cost of funding earning assets | 0.6982% | 1,160 |
| Net interest margin | 4.1105% | 1,544 |
| Noninterest income to average assets | 4.4036% | 137 |
| Noninterest expense to average assets | 6.6724% | 149 |
| Loan and lease loss provision to assets | 0.4866% | 311 |
| Net operating income to assets | 0.7367% | 3,743 |
| Return on assets (ROA) | 0.7272% | 3,905 |
| Pretax return on assets | 1.1116% | 3,145 |
| Return on Equity (ROE) | 9.4053% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.0954% | 1,310 |
| Net charge-offs to loans | 0.3966% | 1,003 |
| Credit loss provision to net charge-offs | 139.7163% | 1,681 |
| Earnings coverage of net charge-offs (x) | 4.6305% | 3,410 |
| Efficiency ratio | 80.5343% | 1,835 |
| Assets per employee ($millions) | 2.2921% | 6,349 |
| Cash dividends to net income (ytd only)* | 13.9265% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 5,558 |
| Loan loss allowance to noncurrent loans | 117.2135% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 3,442 |
| Noncurrent loans to loans | 0.7808% | 3,631 |
| Net loans and leases to total assets | 86.0275% | 195 |
| Net loans and leases to deposits | 109.4196% | 233 |
| Net loans and leases to core deposits | 145.3339% | 124 |
| Total domestic deposits to total assets | 78.6216% | 5,412 |
| Equity capital to assets | 7.4823% | 6,307 |
| Core capital (leverage) ratio | 8.0950% | 6,008 |
| Tier 1 risk-based capital ratio | 8.3254% | 6,503 |
| Total risk-based capital ratio | 11.7457% | 6,155 |
| Memoranda: | ||
| Average total assets | $539,759,500 | 1,247 |
| Average earning assets | $509,712,250 | 1,214 |
| Average equity | $41,734,500 | 1,726 |
| Average total loans | $473,999,750 | 939 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 995 |
| Cost of funding earning assets | 0.6849% | 1,273 |
| Net interest margin | 4.1614% | 1,343 |
| Noninterest income to average assets | 4.0171% | 148 |
| Noninterest expense to average assets | 6.3942% | 159 |
| Loan and lease loss provision to assets | 0.4599% | 340 |
| Net operating income to assets | 0.7081% | 3,796 |
| Return on assets (ROA) | 0.6935% | 3,971 |
| Pretax return on assets | 1.0601% | 3,242 |
| Return on Equity (ROE) | 8.8633% | 2,654 |
| Retained earnings to average equity (ytd only) | 6.8666% | 1,832 |
| Net charge-offs to loans | 0.4088% | 996 |
| Credit loss provision to net charge-offs | 127.5899% | 1,631 |
| Earnings coverage of net charge-offs (x) | 4.2791% | 3,139 |
| Efficiency ratio | 80.5646% | 1,937 |
| Assets per employee ($millions) | 2.1473% | 6,459 |
| Cash dividends to net income (ytd only)* | 22.5275% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 5,797 |
| Loan loss allowance to noncurrent loans | 84.1076% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 2,513 |
| Noncurrent loans to loans | 1.0402% | 3,155 |
| Net loans and leases to total assets | 87.8363% | 103 |
| Net loans and leases to deposits | 113.0907% | 148 |
| Net loans and leases to core deposits | 147.2451% | 111 |
| Total domestic deposits to total assets | 77.6689% | 5,694 |
| Equity capital to assets | 7.5769% | 6,333 |
| Core capital (leverage) ratio | 7.9521% | 6,133 |
| Tier 1 risk-based capital ratio | 8.2925% | 6,561 |
| Total risk-based capital ratio | 10.3671% | 6,521 |
| Memoranda: | ||
| Average total assets | $524,851,670 | 1,279 |
| Average earning assets | $494,354,000 | 1,252 |
| Average equity | $41,068,330 | 1,745 |
| Average total loans | $462,846,330 | 956 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 986 |
| Cost of funding earning assets | 0.6775% | 1,384 |
| Net interest margin | 4.1512% | 1,337 |
| Noninterest income to average assets | 3.4347% | 163 |
| Noninterest expense to average assets | 6.2817% | 170 |
| Loan and lease loss provision to assets | 0.2879% | 690 |
| Net operating income to assets | 0.5122% | 4,626 |
| Return on assets (ROA) | 0.4820% | 4,850 |
| Pretax return on assets | 0.7431% | 4,341 |
| Return on Equity (ROE) | 6.0539% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.8741% | 3,796 |
| Net charge-offs to loans | 0.3929% | 929 |
| Credit loss provision to net charge-offs | 83.3333% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.1187% | 2,729 |
| Efficiency ratio | 85.3575% | 1,508 |
| Assets per employee ($millions) | 2.0057% | 6,576 |
| Cash dividends to net income (ytd only)* | 36.0065% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 5,899 |
| Loan loss allowance to noncurrent loans | 51.0305% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 1,734 |
| Noncurrent loans to loans | 1.7403% | 2,226 |
| Net loans and leases to total assets | 87.1832% | 105 |
| Net loans and leases to deposits | 107.8564% | 195 |
| Net loans and leases to core deposits | 133.3045% | 163 |
| Total domestic deposits to total assets | 80.8326% | 5,280 |
| Equity capital to assets | 7.9912% | 6,068 |
| Core capital (leverage) ratio | 8.2969% | 5,848 |
| Tier 1 risk-based capital ratio | 8.5382% | 6,612 |
| Total risk-based capital ratio | 10.0509% | 6,602 |
| Memoranda: | ||
| Average total assets | $507,059,000 | 1,333 |
| Average earning assets | $479,381,000 | 1,292 |
| Average equity | $40,370,500 | 1,763 |
| Average total loans | $445,963,500 | 989 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 1,033 |
| Cost of funding earning assets | 0.7765% | 1,341 |
| Net interest margin | 4.1564% | 1,481 |
| Noninterest income to average assets | 4.9929% | 133 |
| Noninterest expense to average assets | 7.4782% | 129 |
| Loan and lease loss provision to assets | 0.1857% | 1,982 |
| Net operating income to assets | 0.8345% | 3,109 |
| Return on assets (ROA) | 0.8345% | 3,192 |
| Pretax return on assets | 1.2666% | 2,286 |
| Return on Equity (ROE) | 10.0195% | 2,101 |
| Retained earnings to average equity (ytd only) | 8.1622% | 1,002 |
| Net charge-offs to loans | 0.4115% | 1,633 |
| Credit loss provision to net charge-offs | 51.3417% | 3,783 |
| Earnings coverage of net charge-offs (x) | 4.0143% | 3,702 |
| Efficiency ratio | 83.7376% | 1,659 |
| Assets per employee ($millions) | 1.8965% | 6,658 |
| Cash dividends to net income (ytd only)* | 18.5367% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 5,829 |
| Loan loss allowance to noncurrent loans | 51.6962% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9276% | 1,874 |
| Noncurrent loans to loans | 1.7943% | 2,240 |
| Net loans and leases to total assets | 87.1216% | 111 |
| Net loans and leases to deposits | 112.5948% | 129 |
| Net loans and leases to core deposits | 136.8963% | 144 |
| Total domestic deposits to total assets | 77.3762% | 5,916 |
| Equity capital to assets | 7.9314% | 6,068 |
| Core capital (leverage) ratio | 8.4150% | 5,760 |
| Tier 1 risk-based capital ratio | 8.5915% | 6,679 |
| Total risk-based capital ratio | 10.1650% | 6,659 |
| Memoranda: | ||
| Average total assets | $463,536,400 | 1,427 |
| Average earning assets | $439,127,200 | 1,385 |
| Average equity | $38,604,800 | 1,806 |
| Average total loans | $407,487,400 | 1,046 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 1,028 |
| Cost of funding earning assets | 0.7836% | 1,411 |
| Net interest margin | 4.1669% | 1,432 |
| Noninterest income to average assets | 5.0388% | 139 |
| Noninterest expense to average assets | 7.5559% | 129 |
| Loan and lease loss provision to assets | 0.1652% | 2,192 |
| Net operating income to assets | 0.8195% | 3,252 |
| Return on assets (ROA) | 0.8195% | 3,377 |
| Pretax return on assets | 1.2604% | 2,478 |
| Return on Equity (ROE) | 9.7123% | 2,299 |
| Retained earnings to average equity (ytd only) | 7.8443% | 1,486 |
| Net charge-offs to loans | 0.5590% | 1,133 |
| Credit loss provision to net charge-offs | 33.6320% | 3,828 |
| Earnings coverage of net charge-offs (x) | 2.9014% | 3,870 |
| Efficiency ratio | 84.1275% | 1,575 |
| Assets per employee ($millions) | 1.8392% | 6,746 |
| Cash dividends to net income (ytd only)* | 19.2335% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,987 |
| Loan loss allowance to noncurrent loans | 54.7227% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 2,077 |
| Noncurrent loans to loans | 1.6904% | 2,661 |
| Net loans and leases to total assets | 86.8674% | 113 |
| Net loans and leases to deposits | 102.8346% | 337 |
| Net loans and leases to core deposits | 126.6619% | 230 |
| Total domestic deposits to total assets | 84.4730% | 3,993 |
| Equity capital to assets | 8.3565% | 5,869 |
| Core capital (leverage) ratio | 8.3843% | 5,875 |
| Tier 1 risk-based capital ratio | 8.9112% | 6,731 |
| Total risk-based capital ratio | 10.5147% | 6,694 |
| Memoranda: | ||
| Average total assets | $454,253,500 | 1,470 |
| Average earning assets | $429,825,500 | 1,425 |
| Average equity | $38,328,500 | 1,825 |
| Average total loans | $399,290,750 | 1,074 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 1,171 |
| Cost of funding earning assets | 0.7731% | 1,564 |
| Net interest margin | 4.0984% | 1,547 |
| Noninterest income to average assets | 5.0686% | 144 |
| Noninterest expense to average assets | 7.3324% | 137 |
| Loan and lease loss provision to assets | 0.2049% | 1,848 |
| Net operating income to assets | 0.9152% | 2,720 |
| Return on assets (ROA) | 0.9152% | 2,860 |
| Pretax return on assets | 1.4099% | 1,895 |
| Return on Equity (ROE) | 10.8108% | 1,875 |
| Retained earnings to average equity (ytd only) | 8.9311% | 1,153 |
| Net charge-offs to loans | 0.4931% | 1,327 |
| Credit loss provision to net charge-offs | 47.2336% | 3,268 |
| Earnings coverage of net charge-offs (x) | 3.7223% | 3,321 |
| Efficiency ratio | 81.9514% | 1,892 |
| Assets per employee ($millions) | 1.8545% | 6,786 |
| Cash dividends to net income (ytd only)* | 17.3871% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,503 |
| Loan loss allowance to noncurrent loans | 57.0666% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 1,977 |
| Noncurrent loans to loans | 1.9010% | 2,506 |
| Net loans and leases to total assets | 86.5835% | 127 |
| Net loans and leases to deposits | 101.4774% | 355 |
| Net loans and leases to core deposits | 127.3645% | 208 |
| Total domestic deposits to total assets | 85.3229% | 3,732 |
| Equity capital to assets | 8.3608% | 5,909 |
| Core capital (leverage) ratio | 8.6557% | 5,476 |
| Tier 1 risk-based capital ratio | 9.0024% | 6,758 |
| Total risk-based capital ratio | 10.7659% | 6,699 |
| Memoranda: | ||
| Average total assets | $449,949,000 | 1,478 |
| Average earning assets | $425,824,000 | 1,435 |
| Average equity | $38,091,670 | 1,839 |
| Average total loans | $395,852,670 | 1,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 1,253 |
| Cost of funding earning assets | 0.7772% | 1,661 |
| Net interest margin | 4.0391% | 1,651 |
| Noninterest income to average assets | 4.5393% | 166 |
| Noninterest expense to average assets | 6.9093% | 154 |
| Loan and lease loss provision to assets | 0.2405% | 1,509 |
| Net operating income to assets | 0.8198% | 3,047 |
| Return on assets (ROA) | 0.8198% | 3,186 |
| Pretax return on assets | 1.2143% | 2,519 |
| Return on Equity (ROE) | 9.6211% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.7286% | 1,848 |
| Net charge-offs to loans | 0.4912% | 1,221 |
| Credit loss provision to net charge-offs | 55.5094% | 2,518 |
| Earnings coverage of net charge-offs (x) | 3.3576% | 2,781 |
| Efficiency ratio | 82.6064% | 1,946 |
| Assets per employee ($millions) | 1.9993% | 6,837 |
| Cash dividends to net income (ytd only)* | 19.6703% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,190 |
| Loan loss allowance to noncurrent loans | 53.2803% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.6239% | 1,738 |
| Noncurrent loans to loans | 2.2479% | 2,334 |
| Net loans and leases to total assets | 87.0976% | 94 |
| Net loans and leases to deposits | 106.7630% | 186 |
| Net loans and leases to core deposits | 137.5149% | 131 |
| Total domestic deposits to total assets | 81.5803% | 5,329 |
| Equity capital to assets | 8.6004% | 5,917 |
| Core capital (leverage) ratio | 8.7241% | 5,292 |
| Tier 1 risk-based capital ratio | 9.0261% | 6,811 |
| Total risk-based capital ratio | 10.6064% | 6,773 |
| Memoranda: | ||
| Average total assets | $444,036,500 | 1,512 |
| Average earning assets | $420,487,500 | 1,468 |
| Average equity | $37,833,500 | 1,873 |
| Average total loans | $391,676,500 | 1,089 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 1,157 |
| Cost of funding earning assets | 0.9175% | 1,837 |
| Net interest margin | 4.2614% | 1,490 |
| Noninterest income to average assets | 4.1317% | 179 |
| Noninterest expense to average assets | 6.3519% | 194 |
| Loan and lease loss provision to assets | 0.3664% | 1,792 |
| Net operating income to assets | 0.9773% | 2,437 |
| Return on assets (ROA) | 0.9773% | 2,664 |
| Pretax return on assets | 1.4381% | 1,905 |
| Return on Equity (ROE) | 11.2968% | 1,713 |
| Retained earnings to average equity (ytd only) | 9.2858% | 748 |
| Net charge-offs to loans | 0.2990% | 3,149 |
| Credit loss provision to net charge-offs | 138.3912% | 1,992 |
| Earnings coverage of net charge-offs (x) | 6.8163% | 2,732 |
| Efficiency ratio | 77.8770% | 2,462 |
| Assets per employee ($millions) | 2.1992% | 6,837 |
| Cash dividends to net income (ytd only)* | 17.8014% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,876 |
| Loan loss allowance to noncurrent loans | 58.1120% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.9329% | 1,619 |
| Noncurrent loans to loans | 2.1505% | 2,523 |
| Net loans and leases to total assets | 87.1599% | 106 |
| Net loans and leases to deposits | 104.8596% | 245 |
| Net loans and leases to core deposits | 131.2039% | 177 |
| Total domestic deposits to total assets | 83.1205% | 4,668 |
| Equity capital to assets | 8.4404% | 6,092 |
| Core capital (leverage) ratio | 8.5494% | 5,543 |
| Tier 1 risk-based capital ratio | 8.8275% | 6,868 |
| Total risk-based capital ratio | 10.4545% | 6,830 |
| Memoranda: | ||
| Average total assets | $413,264,600 | 1,587 |
| Average earning assets | $390,298,400 | 1,542 |
| Average equity | $35,753,400 | 1,936 |
| Average total loans | $365,855,400 | 1,140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 1,154 |
| Cost of funding earning assets | 0.9432% | 1,888 |
| Net interest margin | 4.2773% | 1,538 |
| Noninterest income to average assets | 3.5558% | 201 |
| Noninterest expense to average assets | 5.6831% | 245 |
| Loan and lease loss provision to assets | 0.4541% | 1,371 |
| Net operating income to assets | 0.9906% | 2,556 |
| Return on assets (ROA) | 0.9906% | 2,785 |
| Pretax return on assets | 1.4565% | 2,054 |
| Return on Equity (ROE) | 11.3745% | 1,830 |
| Retained earnings to average equity (ytd only) | 9.3472% | 1,110 |
| Net charge-offs to loans | 0.2568% | 3,188 |
| Credit loss provision to net charge-offs | 199.5665% | 1,393 |
| Earnings coverage of net charge-offs (x) | 8.3974% | 2,452 |
| Efficiency ratio | 74.8398% | 2,851 |
| Assets per employee ($millions) | 2.2249% | 6,906 |
| Cash dividends to net income (ytd only)* | 17.8227% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,488 |
| Loan loss allowance to noncurrent loans | 52.6000% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.9662% | 1,762 |
| Noncurrent loans to loans | 2.6089% | 2,189 |
| Net loans and leases to total assets | 87.8825% | 96 |
| Net loans and leases to deposits | 103.5181% | 297 |
| Net loans and leases to core deposits | 131.9620% | 178 |
| Total domestic deposits to total assets | 84.8957% | 3,790 |
| Equity capital to assets | 8.6600% | 6,135 |
| Core capital (leverage) ratio | 8.8809% | 5,220 |
| Tier 1 risk-based capital ratio | 8.9574% | 6,944 |
| Total risk-based capital ratio | 10.6934% | 6,897 |
| Memoranda: | ||
| Average total assets | $405,522,750 | 1,628 |
| Average earning assets | $382,820,000 | 1,582 |
| Average equity | $35,318,000 | 1,974 |
| Average total loans | $359,296,250 | 1,166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 1,135 |
| Cost of funding earning assets | 0.9805% | 1,876 |
| Net interest margin | 4.2747% | 1,537 |
| Noninterest income to average assets | 3.0711% | 238 |
| Noninterest expense to average assets | 5.0887% | 354 |
| Loan and lease loss provision to assets | 0.5363% | 1,156 |
| Net operating income to assets | 1.0060% | 2,436 |
| Return on assets (ROA) | 1.0060% | 2,653 |
| Pretax return on assets | 1.4723% | 1,948 |
| Return on Equity (ROE) | 11.5284% | 1,817 |
| Retained earnings to average equity (ytd only) | 9.4761% | 1,120 |
| Net charge-offs to loans | 0.2257% | 3,225 |
| Credit loss provision to net charge-offs | 268.6717% | 1,078 |
| Earnings coverage of net charge-offs (x) | 10.0627% | 2,104 |
| Efficiency ratio | 71.6994% | 3,485 |
| Assets per employee ($millions) | 2.4791% | 6,784 |
| Cash dividends to net income (ytd only)* | 17.8021% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 4,308 |
| Loan loss allowance to noncurrent loans | 60.3184% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.5646% | 2,177 |
| Noncurrent loans to loans | 2.3807% | 2,520 |
| Net loans and leases to total assets | 88.6161% | 67 |
| Net loans and leases to deposits | 107.0567% | 202 |
| Net loans and leases to core deposits | 138.7108% | 156 |
| Total domestic deposits to total assets | 82.7749% | 4,839 |
| Equity capital to assets | 8.9567% | 5,747 |
| Core capital (leverage) ratio | 8.8806% | 5,077 |
| Tier 1 risk-based capital ratio | 9.1220% | 6,970 |
| Total risk-based capital ratio | 10.8789% | 6,895 |
| Memoranda: | ||
| Average total assets | $399,785,330 | 1,653 |
| Average earning assets | $376,542,670 | 1,603 |
| Average equity | $34,887,670 | 1,977 |
| Average total loans | $353,502,000 | 1,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 1,123 |
| Cost of funding earning assets | 1.0159% | 1,884 |
| Net interest margin | 4.2721% | 1,555 |
| Noninterest income to average assets | 2.6623% | 278 |
| Noninterest expense to average assets | 4.9596% | 373 |
| Loan and lease loss provision to assets | 0.2469% | 2,492 |
| Net operating income to assets | 1.0027% | 2,472 |
| Return on assets (ROA) | 1.0027% | 2,660 |
| Pretax return on assets | 1.4496% | 2,021 |
| Return on Equity (ROE) | 11.6435% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.5655% | 1,393 |
| Net charge-offs to loans | 0.1072% | 3,484 |
| Credit loss provision to net charge-offs | 262.7660% | 1,105 |
| Earnings coverage of net charge-offs (x) | 18.0532% | 1,279 |
| Efficiency ratio | 74.5119% | 3,020 |
| Assets per employee ($millions) | 2.7659% | 6,552 |
| Cash dividends to net income (ytd only)* | 17.8465% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,961 |
| Loan loss allowance to noncurrent loans | 61.2426% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4286% | 2,433 |
| Noncurrent loans to loans | 2.1455% | 2,974 |
| Net loans and leases to total assets | 87.3661% | 82 |
| Net loans and leases to deposits | 101.0210% | 339 |
| Net loans and leases to core deposits | 131.5503% | 192 |
| Total domestic deposits to total assets | 86.4831% | 3,253 |
| Equity capital to assets | 8.7554% | 5,799 |
| Core capital (leverage) ratio | 8.4713% | 5,640 |
| Tier 1 risk-based capital ratio | 8.9913% | 7,030 |
| Total risk-based capital ratio | 10.7012% | 6,968 |
| Memoranda: | ||
| Average total assets | $400,111,500 | 1,655 |
| Average earning assets | $374,052,000 | 1,620 |
| Average equity | $34,457,000 | 2,007 |
| Average total loans | $350,828,500 | 1,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 1,852 |
| Cost of funding earning assets | 1.1571% | 2,302 |
| Net interest margin | 4.0964% | 2,436 |
| Noninterest income to average assets | 1.6006% | 526 |
| Noninterest expense to average assets | 4.0920% | 915 |
| Loan and lease loss provision to assets | 0.2635% | 3,583 |
| Net operating income to assets | 0.7651% | 3,195 |
| Return on assets (ROA) | 0.7651% | 3,362 |
| Pretax return on assets | 1.1572% | 2,622 |
| Return on Equity (ROE) | 8.8671% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.6688% | 1,657 |
| Net charge-offs to loans | 0.0967% | 5,381 |
| Credit loss provision to net charge-offs | 309.3168% | 752 |
| Earnings coverage of net charge-offs (x) | 16.6770% | 1,309 |
| Efficiency ratio | 74.2285% | 3,189 |
| Assets per employee ($millions) | 3.6210% | 4,721 |
| Cash dividends to net income (ytd only)* | 24.7925% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 5,005 |
| Loan loss allowance to noncurrent loans | 84.9289% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9879% | 2,983 |
| Noncurrent loans to loans | 1.5112% | 3,881 |
| Net loans and leases to total assets | 85.7291% | 137 |
| Net loans and leases to deposits | 100.2135% | 446 |
| Net loans and leases to core deposits | 132.2542% | 215 |
| Total domestic deposits to total assets | 85.5465% | 3,568 |
| Equity capital to assets | 8.4696% | 6,182 |
| Core capital (leverage) ratio | 8.6600% | 5,308 |
| Tier 1 risk-based capital ratio | 9.0771% | 7,023 |
| Total risk-based capital ratio | 10.8052% | 6,944 |
| Memoranda: | ||
| Average total assets | $377,977,800 | 1,718 |
| Average earning assets | $360,975,400 | 1,640 |
| Average equity | $32,614,800 | 2,042 |
| Average total loans | $333,120,800 | 1,276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 2,308 |
| Cost of funding earning assets | 1.1895% | 2,386 |
| Net interest margin | 3.9816% | 2,998 |
| Noninterest income to average assets | 1.3247% | 745 |
| Noninterest expense to average assets | 3.7860% | 1,325 |
| Loan and lease loss provision to assets | 0.3799% | 2,582 |
| Net operating income to assets | 0.6602% | 3,822 |
| Return on assets (ROA) | 0.6602% | 3,996 |
| Pretax return on assets | 1.0065% | 3,372 |
| Return on Equity (ROE) | 7.6134% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.3939% | 2,916 |
| Net charge-offs to loans | 0.1187% | 4,837 |
| Credit loss provision to net charge-offs | 361.7747% | 785 |
| Earnings coverage of net charge-offs (x) | 13.2012% | 1,637 |
| Efficiency ratio | 73.1966% | 3,332 |
| Assets per employee ($millions) | 3.6393% | 4,663 |
| Cash dividends to net income (ytd only)* | 29.1530% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,698 |
| Loan loss allowance to noncurrent loans | 74.8078% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.0822% | 3,048 |
| Noncurrent loans to loans | 1.8281% | 3,604 |
| Net loans and leases to total assets | 87.1433% | 102 |
| Net loans and leases to deposits | 100.5530% | 445 |
| Net loans and leases to core deposits | 122.1818% | 335 |
| Total domestic deposits to total assets | 86.6640% | 2,842 |
| Equity capital to assets | 8.7596% | 6,023 |
| Core capital (leverage) ratio | 8.6341% | 5,499 |
| Tier 1 risk-based capital ratio | 9.4512% | 7,058 |
| Total risk-based capital ratio | 10.8593% | 7,037 |
| Memoranda: | ||
| Average total assets | $371,989,750 | 1,751 |
| Average earning assets | $359,474,500 | 1,649 |
| Average equity | $32,258,000 | 2,060 |
| Average total loans | $329,138,250 | 1,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 2,877 |
| Cost of funding earning assets | 1.2234% | 2,419 |
| Net interest margin | 3.8367% | 3,607 |
| Noninterest income to average assets | 1.0405% | 1,219 |
| Noninterest expense to average assets | 3.5401% | 1,886 |
| Loan and lease loss provision to assets | 0.3569% | 2,645 |
| Net operating income to assets | 0.5608% | 4,260 |
| Return on assets (ROA) | 0.5608% | 4,384 |
| Pretax return on assets | 0.8664% | 3,775 |
| Return on Equity (ROE) | 6.4895% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.2492% | 3,493 |
| Net charge-offs to loans | 0.1100% | 4,596 |
| Credit loss provision to net charge-offs | 366.6667% | 834 |
| Earnings coverage of net charge-offs (x) | 12.5667% | 1,618 |
| Efficiency ratio | 74.3188% | 3,306 |
| Assets per employee ($millions) | 3.6893% | 4,478 |
| Cash dividends to net income (ytd only)* | 34.5227% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 5,085 |
| Loan loss allowance to noncurrent loans | 59.8186% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 3,059 |
| Noncurrent loans to loans | 2.1644% | 3,267 |
| Net loans and leases to total assets | 88.5669% | 72 |
| Net loans and leases to deposits | 102.3454% | 377 |
| Net loans and leases to core deposits | 131.2055% | 262 |
| Total domestic deposits to total assets | 86.5372% | 3,020 |
| Equity capital to assets | 8.7898% | 5,830 |
| Core capital (leverage) ratio | 8.5749% | 5,437 |
| Tier 1 risk-based capital ratio | 9.5762% | 7,087 |
| Total risk-based capital ratio | 10.9892% | 7,045 |
| Memoranda: | ||
| Average total assets | $369,824,000 | 1,769 |
| Average earning assets | $358,848,000 | 1,666 |
| Average equity | $31,959,330 | 2,068 |
| Average total loans | $327,384,670 | 1,318 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 3,250 |
| Cost of funding earning assets | 1.2555% | 2,466 |
| Net interest margin | 3.7142% | 4,027 |
| Noninterest income to average assets | 0.7357% | 2,353 |
| Noninterest expense to average assets | 3.3294% | 2,467 |
| Loan and lease loss provision to assets | 0.2269% | 3,390 |
| Net operating income to assets | 0.5304% | 4,349 |
| Return on assets (ROA) | 0.5304% | 4,433 |
| Pretax return on assets | 0.7810% | 3,967 |
| Return on Equity (ROE) | 6.1907% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.9338% | 3,812 |
| Net charge-offs to loans | 0.2629% | 3,019 |
| Credit loss provision to net charge-offs | 98.1308% | 2,785 |
| Earnings coverage of net charge-offs (x) | 4.3598% | 2,496 |
| Efficiency ratio | 76.7621% | 3,021 |
| Assets per employee ($millions) | 3.8345% | 4,226 |
| Cash dividends to net income (ytd only)* | 36.4562% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 5,474 |
| Loan loss allowance to noncurrent loans | 54.8550% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.0452% | 3,266 |
| Noncurrent loans to loans | 2.2450% | 3,261 |
| Net loans and leases to total assets | 81.9822% | 346 |
| Net loans and leases to deposits | 94.4623% | 782 |
| Net loans and leases to core deposits | 129.8279% | 274 |
| Total domestic deposits to total assets | 86.7883% | 3,068 |
| Equity capital to assets | 8.5696% | 5,816 |
| Core capital (leverage) ratio | 8.3185% | 5,778 |
| Tier 1 risk-based capital ratio | 10.0809% | 6,976 |
| Total risk-based capital ratio | 11.4524% | 6,927 |
| Memoranda: | ||
| Average total assets | $370,271,500 | 1,786 |
| Average earning assets | $359,056,500 | 1,678 |
| Average equity | $31,725,000 | 2,068 |
| Average total loans | $325,559,500 | 1,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 2,557 |
| Cost of funding earning assets | 1.4260% | 3,092 |
| Net interest margin | 4.0009% | 3,017 |
| Noninterest income to average assets | 0.7871% | 2,344 |
| Noninterest expense to average assets | 3.1764% | 3,167 |
| Loan and lease loss provision to assets | 0.9993% | 1,625 |
| Net operating income to assets | 0.3285% | 4,835 |
| Return on assets (ROA) | 0.3285% | 4,990 |
| Pretax return on assets | 0.4748% | 4,707 |
| Return on Equity (ROE) | 3.5201% | 4,742 |
| Retained earnings to average equity (ytd only) | 1.4935% | 4,785 |
| Net charge-offs to loans | 0.8587% | 2,486 |
| Credit loss provision to net charge-offs | 126.2401% | 3,212 |
| Earnings coverage of net charge-offs (x) | 1.8622% | 4,333 |
| Efficiency ratio | 68.3016% | 4,501 |
| Assets per employee ($millions) | 4.6658% | 2,601 |
| Cash dividends to net income (ytd only)* | 57.5730% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,915 |
| Loan loss allowance to noncurrent loans | 58.8253% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8245% | 3,594 |
| Noncurrent loans to loans | 1.8897% | 3,700 |
| Net loans and leases to total assets | 91.8567% | 30 |
| Net loans and leases to deposits | 110.4780% | 229 |
| Net loans and leases to core deposits | 137.8444% | 242 |
| Total domestic deposits to total assets | 83.1448% | 4,736 |
| Equity capital to assets | 8.5665% | 5,765 |
| Core capital (leverage) ratio | 8.4004% | 5,532 |
| Tier 1 risk-based capital ratio | 9.6750% | 7,086 |
| Total risk-based capital ratio | 11.0062% | 7,066 |
| Memoranda: | ||
| Average total assets | $333,620,000 | 1,950 |
| Average earning assets | $322,154,400 | 1,850 |
| Average equity | $31,135,400 | 2,107 |
| Average total loans | $307,553,600 | 1,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 2,911 |
| Cost of funding earning assets | 1.4570% | 3,233 |
| Net interest margin | 3.9372% | 3,369 |
| Noninterest income to average assets | 0.3841% | 5,080 |
| Noninterest expense to average assets | 2.7879% | 4,543 |
| Loan and lease loss provision to assets | 1.0982% | 1,327 |
| Net operating income to assets | 0.2126% | 5,475 |
| Return on assets (ROA) | 0.2126% | 5,635 |
| Pretax return on assets | 0.2963% | 5,523 |
| Return on Equity (ROE) | 2.2261% | 5,519 |
| Retained earnings to average equity (ytd only) | -0.2793% | 5,852 |
| Net charge-offs to loans | 0.7982% | 2,450 |
| Credit loss provision to net charge-offs | 149.5808% | 2,605 |
| Earnings coverage of net charge-offs (x) | 1.8994% | 4,284 |
| Efficiency ratio | 66.6569% | 4,722 |
| Assets per employee ($millions) | 4.8995% | 2,320 |
| Cash dividends to net income (ytd only)* | 112.5476% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 5,369 |
| Loan loss allowance to noncurrent loans | 86.2627% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3868% | 4,384 |
| Noncurrent loans to loans | 1.4202% | 4,485 |
| Net loans and leases to total assets | 91.4206% | 36 |
| Net loans and leases to deposits | 106.8242% | 330 |
| Net loans and leases to core deposits | 217.5477% | 74 |
| Total domestic deposits to total assets | 85.5804% | 3,305 |
| Equity capital to assets | 8.8133% | 5,845 |
| Core capital (leverage) ratio | 9.0832% | 4,551 |
| Tier 1 risk-based capital ratio | 9.8795% | 7,124 |
| Total risk-based capital ratio | 11.3043% | 7,021 |
| Memoranda: | ||
| Average total assets | $324,875,250 | 2,029 |
| Average earning assets | $313,412,250 | 1,924 |
| Average equity | $31,025,250 | 2,130 |
| Average total loans | $298,844,750 | 1,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 3,465 |
| Cost of funding earning assets | 1.4996% | 3,260 |
| Net interest margin | 3.8013% | 3,887 |
| Noninterest income to average assets | 0.2174% | 6,366 |
| Noninterest expense to average assets | 2.5819% | 5,400 |
| Loan and lease loss provision to assets | 1.1807% | 1,193 |
| Net operating income to assets | 0.1033% | 5,858 |
| Return on assets (ROA) | 0.1033% | 5,973 |
| Pretax return on assets | 0.1306% | 5,923 |
| Return on Equity (ROE) | 1.0515% | 5,941 |
| Retained earnings to average equity (ytd only) | -1.5547% | 6,078 |
| Net charge-offs to loans | 0.7630% | 2,333 |
| Credit loss provision to net charge-offs | 168.5973% | 2,328 |
| Earnings coverage of net charge-offs (x) | 1.8724% | 4,116 |
| Efficiency ratio | 66.3194% | 4,924 |
| Assets per employee ($millions) | 5.1983% | 1,927 |
| Cash dividends to net income (ytd only)* | 247.8528% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 5,356 |
| Loan loss allowance to noncurrent loans | 78.2336% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5355% | 4,158 |
| Noncurrent loans to loans | 1.5570% | 4,381 |
| Net loans and leases to total assets | 91.4990% | 37 |
| Net loans and leases to deposits | 112.8367% | 220 |
| Net loans and leases to core deposits | 253.7039% | 60 |
| Total domestic deposits to total assets | 81.0897% | 5,373 |
| Equity capital to assets | 9.0530% | 5,363 |
| Core capital (leverage) ratio | 9.6671% | 3,583 |
| Tier 1 risk-based capital ratio | 9.9178% | 7,071 |
| Total risk-based capital ratio | 11.3300% | 6,958 |
| Memoranda: | ||
| Average total assets | $315,579,670 | 2,111 |
| Average earning assets | $305,157,000 | 1,998 |
| Average equity | $31,003,670 | 2,127 |
| Average total loans | $289,627,330 | 1,583 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 3,661 |
| Cost of funding earning assets | 1.6154% | 2,865 |
| Net interest margin | 3.6604% | 4,437 |
| Noninterest income to average assets | 0.2041% | 6,506 |
| Noninterest expense to average assets | 2.5180% | 5,667 |
| Loan and lease loss provision to assets | 1.7918% | 634 |
| Net operating income to assets | -0.3578% | 6,722 |
| Return on assets (ROA) | -0.3578% | 6,767 |
| Pretax return on assets | -0.5712% | 6,830 |
| Return on Equity (ROE) | -3.4866% | 6,776 |
| Retained earnings to average equity (ytd only) | -6.0435% | 6,664 |
| Net charge-offs to loans | 1.4691% | 1,175 |
| Credit loss provision to net charge-offs | 133.5968% | 2,646 |
| Earnings coverage of net charge-offs (x) | 0.9101% | 4,230 |
| Efficiency ratio | 67.3520% | 4,841 |
| Assets per employee ($millions) | 5.4733% | 1,692 |
| Cash dividends to net income (ytd only)* | -73.3333% | 7,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 5,312 |
| Loan loss allowance to noncurrent loans | 76.3769% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 4,174 |
| Noncurrent loans to loans | 1.6158% | 4,323 |
| Net loans and leases to total assets | 88.5755% | 105 |
| Net loans and leases to deposits | 107.6368% | 355 |
| Net loans and leases to core deposits | 261.7754% | 64 |
| Total domestic deposits to total assets | 82.2912% | 4,936 |
| Equity capital to assets | 9.8699% | 4,033 |
| Core capital (leverage) ratio | 10.1900% | 2,938 |
| Tier 1 risk-based capital ratio | 11.0362% | 6,126 |
| Total risk-based capital ratio | 12.4704% | 5,889 |
| Memoranda: | ||
| Average total assets | $301,825,000 | 2,239 |
| Average earning assets | $291,447,000 | 2,136 |
| Average equity | $30,975,500 | 2,145 |
| Average total loans | $275,544,000 | 1,703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 4,606 |
| Cost of funding earning assets | 2.6047% | 768 |
| Net interest margin | 2.8128% | 7,040 |
| Noninterest income to average assets | 0.1124% | 7,192 |
| Noninterest expense to average assets | 2.4300% | 6,374 |
| Loan and lease loss provision to assets | 0.4454% | 4,157 |
| Net operating income to assets | -0.0114% | 5,507 |
| Return on assets (ROA) | -0.0114% | 5,552 |
| Pretax return on assets | -0.0456% | 5,513 |
| Return on Equity (ROE) | -0.1255% | 5,556 |
| Retained earnings to average equity (ytd only) | -0.1255% | 4,968 |
| Net charge-offs to loans | 0.0812% | 6,294 |
| Credit loss provision to net charge-offs | 609.0452% | 484 |
| Earnings coverage of net charge-offs (x) | 5.4673% | 2,591 |
| Efficiency ratio | 85.8720% | 2,131 |
| Assets per employee ($millions) | 6.4816% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 5,651 |
| Loan loss allowance to noncurrent loans | 96.8575% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 4,580 |
| Noncurrent loans to loans | 1.1847% | 4,960 |
| Net loans and leases to total assets | 91.9477% | 37 |
| Net loans and leases to deposits | 116.0844% | 227 |
| Net loans and leases to core deposits | 161.8442% | 318 |
| Total domestic deposits to total assets | 79.2077% | 5,931 |
| Equity capital to assets | 10.6830% | 2,981 |
| Core capital (leverage) ratio | 11.1117% | 2,169 |
| Tier 1 risk-based capital ratio | 11.5810% | 5,314 |
| Total risk-based capital ratio | 12.9406% | 5,167 |
| Memoranda: | ||
| Average total assets | $272,141,800 | 2,405 |
| Average earning assets | $262,909,200 | 2,300 |
| Average equity | $24,707,200 | 2,643 |
| Average total loans | $244,968,400 | 1,922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 5,175 |
| Cost of funding earning assets | 2.8235% | 562 |
| Net interest margin | 2.5266% | 7,433 |
| Noninterest income to average assets | 0.1058% | 7,382 |
| Noninterest expense to average assets | 2.5218% | 6,007 |
| Loan and lease loss provision to assets | 0.3742% | 4,081 |
| Net operating income to assets | -0.2420% | 6,129 |
| Return on assets (ROA) | -0.2420% | 6,133 |
| Pretax return on assets | -0.3487% | 6,146 |
| Return on Equity (ROE) | -2.8000% | 6,217 |
| Retained earnings to average equity (ytd only) | -2.8000% | 5,900 |
| Net charge-offs to loans | 0.1119% | 5,559 |
| Credit loss provision to net charge-offs | 375.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 0.2550% | 5,761 |
| Efficiency ratio | 99.0012% | 1,113 |
| Assets per employee ($millions) | 6.5104% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 6,052 |
| Loan loss allowance to noncurrent loans | 106.0000% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 4,771 |
| Noncurrent loans to loans | 0.9833% | 5,340 |
| Net loans and leases to total assets | 92.0132% | 57 |
| Net loans and leases to deposits | 114.2297% | 316 |
| Net loans and leases to core deposits | 168.8981% | 280 |
| Total domestic deposits to total assets | 80.5510% | 5,226 |
| Equity capital to assets | 8.8993% | 5,637 |
| Core capital (leverage) ratio | 8.7448% | 5,055 |
| Tier 1 risk-based capital ratio | 9.7020% | 7,236 |
| Total risk-based capital ratio | 10.9784% | 7,174 |
| Memoranda: | ||
| Average total assets | $267,259,750 | 2,456 |
| Average earning assets | $258,255,500 | 2,354 |
| Average equity | $23,094,250 | 2,842 |
| Average total loans | $238,386,250 | 1,993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 6,127 |
| Cost of funding earning assets | 2.9546% | 528 |
| Net interest margin | 2.2331% | 7,729 |
| Noninterest income to average assets | 0.1131% | 7,416 |
| Noninterest expense to average assets | 2.5211% | 6,050 |
| Loan and lease loss provision to assets | 0.4457% | 3,309 |
| Net operating income to assets | -0.4744% | 6,524 |
| Return on assets (ROA) | -0.4744% | 6,534 |
| Pretax return on assets | -0.6968% | 6,597 |
| Return on Equity (ROE) | -5.5465% | 6,664 |
| Retained earnings to average equity (ytd only) | -5.5465% | 6,383 |
| Net charge-offs to loans | 0.0532% | 5,747 |
| Credit loss provision to net charge-offs | 953.2258% | 510 |
| Earnings coverage of net charge-offs (x) | -5.3710% | 6,462 |
| Efficiency ratio | 111.0631% | 825 |
| Assets per employee ($millions) | 6.4275% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 5,976 |
| Loan loss allowance to noncurrent loans | 112.0631% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 4,737 |
| Noncurrent loans to loans | 0.9264% | 5,367 |
| Net loans and leases to total assets | 92.8384% | 43 |
| Net loans and leases to deposits | 121.8992% | 203 |
| Net loans and leases to core deposits | 171.9562% | 299 |
| Total domestic deposits to total assets | 76.1600% | 6,517 |
| Equity capital to assets | 9.0201% | 5,286 |
| Core capital (leverage) ratio | 9.2658% | 4,218 |
| Tier 1 risk-based capital ratio | 9.7136% | 7,219 |
| Total risk-based capital ratio | 10.9820% | 7,145 |
| Memoranda: | ||
| Average total assets | $265,200,330 | 2,486 |
| Average earning assets | $256,147,000 | 2,389 |
| Average equity | $22,681,000 | 2,891 |
| Average total loans | $233,098,670 | 2,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 6,753 |
| Cost of funding earning assets | 3.1640% | 382 |
| Net interest margin | 1.8987% | 7,945 |
| Noninterest income to average assets | 0.1202% | 7,418 |
| Noninterest expense to average assets | 2.5401% | 5,687 |
| Loan and lease loss provision to assets | 0.4977% | 2,478 |
| Net operating income to assets | -0.7305% | 7,082 |
| Return on assets (ROA) | -0.7305% | 7,114 |
| Pretax return on assets | -1.0836% | 7,189 |
| Return on Equity (ROE) | -8.7886% | 7,287 |
| Retained earnings to average equity (ytd only) | -8.7886% | 6,998 |
| Net charge-offs to loans | 0.0430% | 4,877 |
| Credit loss provision to net charge-offs | 1,362.5000% | 465 |
| Earnings coverage of net charge-offs (x) | -16.0417% | 5,651 |
| Efficiency ratio | 129.9844% | 503 |
| Assets per employee ($millions) | 6.4310% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 5,886 |
| Loan loss allowance to noncurrent loans | 146.4351% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 5,317 |
| Noncurrent loans to loans | 0.7080% | 5,640 |
| Net loans and leases to total assets | 89.1665% | 185 |
| Net loans and leases to deposits | 118.0020% | 335 |
| Net loans and leases to core deposits | 161.6272% | 474 |
| Total domestic deposits to total assets | 75.5635% | 6,590 |
| Equity capital to assets | 9.5907% | 4,541 |
| Core capital (leverage) ratio | 9.5550% | 3,917 |
| Tier 1 risk-based capital ratio | 10.6917% | 6,196 |
| Total risk-based capital ratio | 11.9721% | 6,072 |
| Memoranda: | ||
| Average total assets | $262,823,500 | 2,526 |
| Average earning assets | $253,857,500 | 2,416 |
| Average equity | $21,846,500 | 2,996 |
| Average total loans | $223,023,000 | 2,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 6,757 |
| Cost of funding earning assets | 3.2857% | 965 |
| Net interest margin | 2.4203% | 7,831 |
| Noninterest income to average assets | 0.1869% | 7,110 |
| Noninterest expense to average assets | 2.2510% | 6,832 |
| Loan and lease loss provision to assets | 0.3871% | 3,371 |
| Net operating income to assets | -0.0823% | 6,481 |
| Return on assets (ROA) | -0.0760% | 6,322 |
| Pretax return on assets | -0.1151% | 6,287 |
| Return on Equity (ROE) | -0.8723% | 6,347 |
| Retained earnings to average equity (ytd only) | -0.8723% | 5,561 |
| Net charge-offs to loans | 0.0940% | 5,391 |
| Credit loss provision to net charge-offs | 509.5808% | 856 |
| Earnings coverage of net charge-offs (x) | 3.4551% | 4,360 |
| Efficiency ratio | 89.5585% | 1,549 |
| Assets per employee ($millions) | 7.2543% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,210 |
| Loan loss allowance to noncurrent loans | 159.0909% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 5,422 |
| Noncurrent loans to loans | 0.6160% | 5,517 |
| Net loans and leases to total assets | 79.0484% | 1,877 |
| Net loans and leases to deposits | 102.9771% | 1,473 |
| Net loans and leases to core deposits | 134.8654% | 1,543 |
| Total domestic deposits to total assets | 76.7631% | 6,046 |
| Equity capital to assets | 7.0869% | 7,690 |
| Core capital (leverage) ratio | 7.6021% | 7,073 |
| Tier 1 risk-based capital ratio | 8.9665% | 7,809 |
| Total risk-based capital ratio | 10.2173% | 7,808 |
| Memoranda: | ||
| Average total assets | $219,855,600 | 2,878 |
| Average earning assets | $211,341,600 | 2,758 |
| Average equity | $19,145,200 | 3,373 |
| Average total loans | $177,670,800 | 2,527 |