Home > Merrimack County Savings Bank > Performance and Condition Ratios
Merrimack County Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 3,201 |
| Cost of funding earning assets | 1.6526% | 1,562 |
| Net interest margin | 2.7904% | 3,684 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.2674% | 2,934 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5176% | 3,635 |
| Return on assets (ROA) | 0.5176% | 3,623 |
| Pretax return on assets | 0.6459% | 3,541 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.9600% | 2,261 |
| Net charge-offs to loans | 0.0173% | 2,020 |
| Credit loss provision to net charge-offs | 322.1106% | 914 |
| Earnings coverage of net charge-offs (x) | 47.1960% | 1,330 |
| Efficiency ratio | 76.4800% | 1,211 |
| Assets per employee ($millions) | 7.3961% | 1,811 |
| Cash dividends to net income (ytd only)* | 7.6879% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,415 |
| Loan loss allowance to noncurrent loans | 125.1728% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 796 |
| Noncurrent loans to loans | 0.7821% | 992 |
| Net loans and leases to total assets | 84.3200% | 249 |
| Net loans and leases to deposits | 111.9837% | 169 |
| Net loans and leases to core deposits | 122.1174% | 567 |
| Total domestic deposits to total assets | 75.3000% | 4,005 |
| Equity capital to assets | 8.2972% | 3,202 |
| Core capital (leverage) ratio | 9.2842% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2489% | 2,153 |
| Memoranda: | ||
| Average total assets | $1,346,934,800 | 773 |
| Average earning assets | $1,279,594,000 | 750 |
| Average equity | $107,986,600 | 898 |
| Average total loans | $1,151,095,600 | 656 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 3,123 |
| Cost of funding earning assets | 1.5790% | 1,410 |
| Net interest margin | 2.8091% | 3,711 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.3478% | 2,662 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4150% | 3,940 |
| Return on assets (ROA) | 0.4150% | 3,932 |
| Pretax return on assets | 0.5222% | 3,870 |
| Return on Equity (ROE) | 5.2200% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.7816% | 3,013 |
| Net charge-offs to loans | 0.0153% | 1,848 |
| Credit loss provision to net charge-offs | 443.1818% | 691 |
| Earnings coverage of net charge-offs (x) | 44.7576% | 1,382 |
| Efficiency ratio | 79.9946% | 854 |
| Assets per employee ($millions) | 7.9572% | 1,366 |
| Cash dividends to net income (ytd only)* | 8.4531% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,479 |
| Loan loss allowance to noncurrent loans | 133.7159% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 927 |
| Noncurrent loans to loans | 0.7306% | 1,134 |
| Net loans and leases to total assets | 85.0500% | 209 |
| Net loans and leases to deposits | 111.7643% | 174 |
| Net loans and leases to core deposits | 121.3510% | 518 |
| Total domestic deposits to total assets | 76.1000% | 4,003 |
| Equity capital to assets | 7.7724% | 3,198 |
| Core capital (leverage) ratio | 9.0802% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8543% | 2,321 |
| Memoranda: | ||
| Average total assets | $1,341,597,250 | 781 |
| Average earning assets | $1,274,879,250 | 751 |
| Average equity | $106,600,750 | 904 |
| Average total loans | $1,147,584,500 | 655 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 3,058 |
| Cost of funding earning assets | 1.4533% | 1,328 |
| Net interest margin | 2.8669% | 3,705 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3033% | 2,798 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.4775% | 3,856 |
| Return on assets (ROA) | 0.4775% | 3,862 |
| Pretax return on assets | 0.6224% | 3,753 |
| Return on Equity (ROE) | 5.9700% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.5257% | 2,772 |
| Net charge-offs to loans | 0.0068% | 1,983 |
| Credit loss provision to net charge-offs | 858.9744% | 453 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 861 |
| Efficiency ratio | 77.1667% | 1,076 |
| Assets per employee ($millions) | 7.4055% | 1,656 |
| Cash dividends to net income (ytd only)* | 7.3714% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,537 |
| Loan loss allowance to noncurrent loans | 133.0458% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 855 |
| Noncurrent loans to loans | 0.7281% | 1,028 |
| Net loans and leases to total assets | 84.9500% | 211 |
| Net loans and leases to deposits | 110.1786% | 202 |
| Net loans and leases to core deposits | 118.9582% | 536 |
| Total domestic deposits to total assets | 77.1000% | 3,941 |
| Equity capital to assets | 7.9919% | 3,222 |
| Core capital (leverage) ratio | 9.0553% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7361% | 2,389 |
| Memoranda: | ||
| Average total assets | $1,335,235,333 | 773 |
| Average earning assets | $1,268,844,333 | 746 |
| Average equity | $106,881,667 | 893 |
| Average total loans | $1,140,548,000 | 645 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,834 |
| Cost of funding earning assets | 1.3020% | 1,228 |
| Net interest margin | 2.9849% | 3,637 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3171% | 2,772 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.5560% | 3,784 |
| Return on assets (ROA) | 0.5560% | 3,750 |
| Pretax return on assets | 0.7274% | 3,607 |
| Return on Equity (ROE) | 6.9400% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.4990% | 2,645 |
| Net charge-offs to loans | 0.0081% | 1,643 |
| Credit loss provision to net charge-offs | 591.3043% | 510 |
| Earnings coverage of net charge-offs (x) | 112.4348% | 732 |
| Efficiency ratio | 74.8027% | 1,264 |
| Assets per employee ($millions) | 7.4042% | 1,680 |
| Cash dividends to net income (ytd only)* | 6.3518% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,517 |
| Loan loss allowance to noncurrent loans | 1,390.4994% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,168 |
| Noncurrent loans to loans | 0.0719% | 3,218 |
| Net loans and leases to total assets | 84.7700% | 194 |
| Net loans and leases to deposits | 111.2258% | 168 |
| Net loans and leases to core deposits | 119.5068% | 451 |
| Total domestic deposits to total assets | 76.2200% | 4,148 |
| Equity capital to assets | 8.1008% | 3,169 |
| Core capital (leverage) ratio | 9.1945% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8741% | 2,439 |
| Memoranda: | ||
| Average total assets | $1,325,252,000 | 799 |
| Average earning assets | $1,259,947,500 | 769 |
| Average equity | $106,169,500 | 910 |
| Average total loans | $1,129,553,500 | 655 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 1,900 |
| Cost of funding earning assets | 0.4042% | 2,060 |
| Net interest margin | 3.5293% | 1,841 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.4975% | 2,123 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.7676% | 3,429 |
| Return on assets (ROA) | 0.7676% | 3,372 |
| Pretax return on assets | 1.0052% | 3,062 |
| Return on Equity (ROE) | 8.9000% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.5635% | 1,620 |
| Net charge-offs to loans | 0.0057% | 2,212 |
| Credit loss provision to net charge-offs | 2,496.5517% | 220 |
| Earnings coverage of net charge-offs (x) | 237.8103% | 566 |
| Efficiency ratio | 66.3631% | 2,174 |
| Assets per employee ($millions) | 7.1617% | 1,854 |
| Cash dividends to net income (ytd only)* | 3.7552% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 3,569 |
| Loan loss allowance to noncurrent loans | 634.7337% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 2,624 |
| Noncurrent loans to loans | 0.1512% | 2,744 |
| Net loans and leases to total assets | 84.0200% | 253 |
| Net loans and leases to deposits | 106.2464% | 239 |
| Net loans and leases to core deposits | 114.5680% | 471 |
| Total domestic deposits to total assets | 79.0800% | 3,994 |
| Equity capital to assets | 7.9207% | 3,106 |
| Core capital (leverage) ratio | 9.2136% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7429% | 2,474 |
| Memoranda: | ||
| Average total assets | $1,228,134,600 | 844 |
| Average earning assets | $1,167,606,000 | 812 |
| Average equity | $105,949,400 | 909 |
| Average total loans | $1,013,705,200 | 673 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 1,670 |
| Cost of funding earning assets | 0.2180% | 3,060 |
| Net interest margin | 3.6071% | 1,374 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.5135% | 1,980 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.8120% | 3,205 |
| Return on assets (ROA) | 0.8120% | 3,173 |
| Pretax return on assets | 1.0688% | 2,814 |
| Return on Equity (ROE) | 9.2100% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.9030% | 1,680 |
| Net charge-offs to loans | 0.0018% | 2,235 |
| Credit loss provision to net charge-offs | 8,353.8462% | 68 |
| Earnings coverage of net charge-offs (x) | 827.0000% | 197 |
| Efficiency ratio | 65.2818% | 2,372 |
| Assets per employee ($millions) | 7.3056% | 1,743 |
| Cash dividends to net income (ytd only)* | 3.2957% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,650 |
| Loan loss allowance to noncurrent loans | 1,348.4456% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,287 |
| Noncurrent loans to loans | 0.0713% | 3,365 |
| Net loans and leases to total assets | 83.8600% | 258 |
| Net loans and leases to deposits | 105.4551% | 198 |
| Net loans and leases to core deposits | 110.7033% | 448 |
| Total domestic deposits to total assets | 79.5200% | 4,141 |
| Equity capital to assets | 7.9163% | 2,948 |
| Core capital (leverage) ratio | 9.4242% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9292% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,205,731,750 | 854 |
| Average earning assets | $1,147,149,250 | 829 |
| Average equity | $106,343,000 | 919 |
| Average total loans | $987,656,500 | 684 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 1,442 |
| Cost of funding earning assets | 0.1284% | 3,859 |
| Net interest margin | 3.6124% | 1,048 |
| Noninterest income to average assets | 0.2737% | 3,525 |
| Noninterest expense to average assets | 2.5517% | 1,772 |
| Loan and lease loss provision to assets | 0.1097% | 908 |
| Net operating income to assets | 0.7907% | 2,994 |
| Return on assets (ROA) | 0.7907% | 2,961 |
| Pretax return on assets | 1.0499% | 2,571 |
| Return on Equity (ROE) | 8.6457% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.4217% | 1,464 |
| Net charge-offs to loans | 0.0017% | 2,060 |
| Credit loss provision to net charge-offs | 8,100.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 856.2500% | 157 |
| Efficiency ratio | 66.1011% | 2,492 |
| Assets per employee ($millions) | 7.1515% | 1,843 |
| Cash dividends to net income (ytd only)* | 2.5905% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,657 |
| Loan loss allowance to noncurrent loans | 1,216.7073% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,310 |
| Noncurrent loans to loans | 0.0811% | 3,376 |
| Net loans and leases to total assets | 81.3610% | 323 |
| Net loans and leases to deposits | 98.7540% | 317 |
| Net loans and leases to core deposits | 101.3602% | 615 |
| Total domestic deposits to total assets | 82.3876% | 3,957 |
| Equity capital to assets | 8.4872% | 2,776 |
| Core capital (leverage) ratio | 9.7369% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5306% | 2,279 |
| Memoranda: | ||
| Average total assets | $1,181,480,000 | 866 |
| Average earning assets | $1,124,303,333 | 847 |
| Average equity | $108,054,333 | 914 |
| Average total loans | $956,016,667 | 694 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 1,258 |
| Cost of funding earning assets | 0.1120% | 3,981 |
| Net interest margin | 3.5946% | 904 |
| Noninterest income to average assets | 0.2741% | 3,497 |
| Noninterest expense to average assets | 2.5244% | 1,822 |
| Loan and lease loss provision to assets | 0.0729% | 1,134 |
| Net operating income to assets | 0.8330% | 2,543 |
| Return on assets (ROA) | 0.8330% | 2,540 |
| Pretax return on assets | 1.1034% | 2,132 |
| Return on Equity (ROE) | 8.7730% | 2,402 |
| Retained earnings to average equity (ytd only) | 8.7730% | 1,339 |
| Net charge-offs to loans | 0.0030% | 1,678 |
| Credit loss provision to net charge-offs | 3,014.2857% | 136 |
| Earnings coverage of net charge-offs (x) | 486.1429% | 215 |
| Efficiency ratio | 65.4960% | 2,834 |
| Assets per employee ($millions) | 6.8073% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,660 |
| Loan loss allowance to noncurrent loans | 2,065.1515% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,630 |
| Noncurrent loans to loans | 0.0491% | 3,626 |
| Net loans and leases to total assets | 80.9436% | 206 |
| Net loans and leases to deposits | 96.7340% | 263 |
| Net loans and leases to core deposits | 97.7074% | 586 |
| Total domestic deposits to total assets | 83.6764% | 3,832 |
| Equity capital to assets | 9.3305% | 2,419 |
| Core capital (leverage) ratio | 9.8334% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4389% | 2,023 |
| Memoranda: | ||
| Average total assets | $1,157,194,000 | 881 |
| Average earning assets | $1,103,087,000 | 865 |
| Average equity | $109,883,000 | 932 |
| Average total loans | $928,645,000 | 706 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 2,218 |
| Cost of funding earning assets | 0.1583% | 3,887 |
| Net interest margin | 3.5031% | 1,721 |
| Noninterest income to average assets | 0.3020% | 3,598 |
| Noninterest expense to average assets | 2.5370% | 2,067 |
| Loan and lease loss provision to assets | 0.0733% | 1,635 |
| Net operating income to assets | 0.7705% | 3,418 |
| Return on assets (ROA) | 0.7715% | 3,482 |
| Pretax return on assets | 1.0202% | 3,198 |
| Return on Equity (ROE) | 8.0578% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.5027% | 1,720 |
| Net charge-offs to loans | 0.0094% | 2,222 |
| Credit loss provision to net charge-offs | 960.0000% | 548 |
| Earnings coverage of net charge-offs (x) | 143.1294% | 688 |
| Efficiency ratio | 67.0254% | 2,123 |
| Assets per employee ($millions) | 7.0118% | 1,917 |
| Cash dividends to net income (ytd only)* | 6.8893% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,668 |
| Loan loss allowance to noncurrent loans | 1,465.7771% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,598 |
| Noncurrent loans to loans | 0.0695% | 3,594 |
| Net loans and leases to total assets | 77.9420% | 381 |
| Net loans and leases to deposits | 93.7291% | 395 |
| Net loans and leases to core deposits | 94.8431% | 737 |
| Total domestic deposits to total assets | 83.1567% | 3,771 |
| Equity capital to assets | 9.6589% | 2,990 |
| Core capital (leverage) ratio | 9.3418% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8356% | 1,914 |
| Memoranda: | ||
| Average total assets | $1,113,864,400 | 882 |
| Average earning assets | $1,057,936,200 | 860 |
| Average equity | $106,641,400 | 958 |
| Average total loans | $902,531,200 | 723 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 2,310 |
| Cost of funding earning assets | 0.1719% | 3,905 |
| Net interest margin | 3.5151% | 1,827 |
| Noninterest income to average assets | 0.2836% | 3,746 |
| Noninterest expense to average assets | 2.5577% | 1,962 |
| Loan and lease loss provision to assets | 0.0735% | 1,575 |
| Net operating income to assets | 0.7457% | 3,662 |
| Return on assets (ROA) | 0.7471% | 3,724 |
| Pretax return on assets | 0.9883% | 3,498 |
| Return on Equity (ROE) | 7.8214% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.3512% | 2,291 |
| Net charge-offs to loans | 0.0102% | 1,938 |
| Credit loss provision to net charge-offs | 879.7101% | 551 |
| Earnings coverage of net charge-offs (x) | 126.9130% | 750 |
| Efficiency ratio | 67.7754% | 1,864 |
| Assets per employee ($millions) | 7.0181% | 1,856 |
| Cash dividends to net income (ytd only)* | 6.0120% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 3,798 |
| Loan loss allowance to noncurrent loans | 691.1565% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,350 |
| Noncurrent loans to loans | 0.1466% | 3,383 |
| Net loans and leases to total assets | 76.6878% | 493 |
| Net loans and leases to deposits | 92.5100% | 469 |
| Net loans and leases to core deposits | 93.6434% | 842 |
| Total domestic deposits to total assets | 82.8967% | 3,734 |
| Equity capital to assets | 9.5204% | 3,346 |
| Core capital (leverage) ratio | 9.3890% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0593% | 1,950 |
| Memoranda: | ||
| Average total assets | $1,101,342,500 | 897 |
| Average earning assets | $1,044,660,500 | 880 |
| Average equity | $105,195,500 | 984 |
| Average total loans | $899,027,750 | 740 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 2,299 |
| Cost of funding earning assets | 0.2002% | 3,745 |
| Net interest margin | 3.5116% | 1,826 |
| Noninterest income to average assets | 0.2890% | 3,692 |
| Noninterest expense to average assets | 2.5342% | 2,038 |
| Loan and lease loss provision to assets | 0.0743% | 1,593 |
| Net operating income to assets | 0.7659% | 3,606 |
| Return on assets (ROA) | 0.7666% | 3,668 |
| Pretax return on assets | 1.0071% | 3,434 |
| Return on Equity (ROE) | 8.0163% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.2979% | 2,321 |
| Net charge-offs to loans | 0.0045% | 1,991 |
| Credit loss provision to net charge-offs | 2,005.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 291.7500% | 382 |
| Efficiency ratio | 67.1277% | 1,997 |
| Assets per employee ($millions) | 6.5141% | 2,162 |
| Cash dividends to net income (ytd only)* | 8.9614% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,878 |
| Loan loss allowance to noncurrent loans | 650.7603% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 3,412 |
| Noncurrent loans to loans | 0.1508% | 3,446 |
| Net loans and leases to total assets | 80.9077% | 266 |
| Net loans and leases to deposits | 95.5630% | 397 |
| Net loans and leases to core deposits | 96.8798% | 768 |
| Total domestic deposits to total assets | 84.6643% | 3,233 |
| Equity capital to assets | 9.3647% | 3,457 |
| Core capital (leverage) ratio | 9.2104% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4258% | 2,196 |
| Memoranda: | ||
| Average total assets | $1,080,120,000 | 906 |
| Average earning assets | $1,022,906,667 | 888 |
| Average equity | $103,289,333 | 997 |
| Average total loans | $897,849,000 | 743 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 2,202 |
| Cost of funding earning assets | 0.2564% | 3,418 |
| Net interest margin | 3.5089% | 1,801 |
| Noninterest income to average assets | 0.2649% | 3,810 |
| Noninterest expense to average assets | 2.5506% | 2,024 |
| Loan and lease loss provision to assets | 0.0751% | 1,683 |
| Net operating income to assets | 0.7454% | 3,584 |
| Return on assets (ROA) | 0.7472% | 3,652 |
| Pretax return on assets | 0.9627% | 3,472 |
| Return on Equity (ROE) | 7.7289% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3893% | 2,455 |
| Net charge-offs to loans | 0.0090% | 1,587 |
| Credit loss provision to net charge-offs | 995.0000% | 422 |
| Earnings coverage of net charge-offs (x) | 137.2000% | 513 |
| Efficiency ratio | 68.0627% | 1,927 |
| Assets per employee ($millions) | 6.7601% | 1,971 |
| Cash dividends to net income (ytd only)* | 4.3939% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 3,944 |
| Loan loss allowance to noncurrent loans | 648.3395% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,551 |
| Noncurrent loans to loans | 0.1505% | 3,573 |
| Net loans and leases to total assets | 82.4099% | 210 |
| Net loans and leases to deposits | 98.1237% | 340 |
| Net loans and leases to core deposits | 100.0473% | 712 |
| Total domestic deposits to total assets | 83.9857% | 3,438 |
| Equity capital to assets | 9.4703% | 3,233 |
| Core capital (leverage) ratio | 9.4872% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8041% | 1,963 |
| Memoranda: | ||
| Average total assets | $1,059,971,500 | 912 |
| Average earning assets | $1,003,270,500 | 895 |
| Average equity | $102,472,000 | 992 |
| Average total loans | $889,028,000 | 743 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 2,483 |
| Cost of funding earning assets | 0.5070% | 2,909 |
| Net interest margin | 3.5737% | 2,238 |
| Noninterest income to average assets | 0.4840% | 2,702 |
| Noninterest expense to average assets | 2.7458% | 2,096 |
| Loan and lease loss provision to assets | 0.2812% | 1,355 |
| Net operating income to assets | 0.6257% | 3,666 |
| Return on assets (ROA) | 0.6928% | 3,591 |
| Pretax return on assets | 0.9054% | 3,354 |
| Return on Equity (ROE) | 7.0396% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.7434% | 1,491 |
| Net charge-offs to loans | 0.0154% | 2,798 |
| Credit loss provision to net charge-offs | 2,149.2424% | 417 |
| Earnings coverage of net charge-offs (x) | 84.1894% | 870 |
| Efficiency ratio | 68.3680% | 2,186 |
| Assets per employee ($millions) | 6.5304% | 1,897 |
| Cash dividends to net income (ytd only)* | 4.2066% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 3,939 |
| Loan loss allowance to noncurrent loans | 748.3478% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 3,742 |
| Noncurrent loans to loans | 0.1310% | 3,756 |
| Net loans and leases to total assets | 83.7218% | 190 |
| Net loans and leases to deposits | 99.3472% | 403 |
| Net loans and leases to core deposits | 101.1806% | 850 |
| Total domestic deposits to total assets | 84.2720% | 3,024 |
| Equity capital to assets | 9.8728% | 3,244 |
| Core capital (leverage) ratio | 9.2048% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7124% | 1,963 |
| Memoranda: | ||
| Average total assets | $1,008,769,200 | 878 |
| Average earning assets | $949,436,800 | 854 |
| Average equity | $99,281,800 | 964 |
| Average total loans | $855,534,200 | 748 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,672 |
| Cost of funding earning assets | 0.5587% | 2,875 |
| Net interest margin | 3.5400% | 2,457 |
| Noninterest income to average assets | 0.4607% | 2,786 |
| Noninterest expense to average assets | 2.6999% | 2,251 |
| Loan and lease loss provision to assets | 0.1954% | 2,022 |
| Net operating income to assets | 0.6812% | 3,516 |
| Return on assets (ROA) | 0.7592% | 3,362 |
| Pretax return on assets | 0.9941% | 3,095 |
| Return on Equity (ROE) | 7.7203% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.4292% | 1,518 |
| Net charge-offs to loans | 0.0195% | 2,468 |
| Credit loss provision to net charge-offs | 1,183.8710% | 741 |
| Earnings coverage of net charge-offs (x) | 66.0645% | 1,036 |
| Efficiency ratio | 68.1595% | 2,166 |
| Assets per employee ($millions) | 6.4566% | 1,868 |
| Cash dividends to net income (ytd only)* | 3.7706% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,341 |
| Loan loss allowance to noncurrent loans | 659.8361% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,908 |
| Noncurrent loans to loans | 0.1229% | 3,891 |
| Net loans and leases to total assets | 84.2067% | 263 |
| Net loans and leases to deposits | 102.4754% | 435 |
| Net loans and leases to core deposits | 105.7288% | 856 |
| Total domestic deposits to total assets | 82.1726% | 3,376 |
| Equity capital to assets | 9.6345% | 3,568 |
| Core capital (leverage) ratio | 9.2452% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2657% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,001,379,000 | 867 |
| Average earning assets | $941,984,750 | 850 |
| Average equity | $98,474,250 | 968 |
| Average total loans | $849,939,000 | 745 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,740 |
| Cost of funding earning assets | 0.6181% | 2,877 |
| Net interest margin | 3.5884% | 2,523 |
| Noninterest income to average assets | 0.3905% | 3,139 |
| Noninterest expense to average assets | 2.6464% | 2,534 |
| Loan and lease loss provision to assets | 0.2259% | 1,853 |
| Net operating income to assets | 0.6837% | 3,450 |
| Return on assets (ROA) | 0.7205% | 3,425 |
| Pretax return on assets | 0.9373% | 3,208 |
| Return on Equity (ROE) | 7.2738% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.9969% | 1,663 |
| Net charge-offs to loans | 0.0235% | 2,246 |
| Credit loss provision to net charge-offs | 1,134.6939% | 726 |
| Earnings coverage of net charge-offs (x) | 56.0816% | 1,020 |
| Efficiency ratio | 67.1832% | 2,354 |
| Assets per employee ($millions) | 6.0851% | 2,107 |
| Cash dividends to net income (ytd only)* | 3.8071% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 4,399 |
| Loan loss allowance to noncurrent loans | 431.9176% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 3,761 |
| Noncurrent loans to loans | 0.1794% | 3,729 |
| Net loans and leases to total assets | 84.0935% | 244 |
| Net loans and leases to deposits | 105.0595% | 344 |
| Net loans and leases to core deposits | 108.5072% | 790 |
| Total domestic deposits to total assets | 80.0437% | 3,826 |
| Equity capital to assets | 9.4910% | 3,669 |
| Core capital (leverage) ratio | 9.2462% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1637% | 2,113 |
| Memoranda: | ||
| Average total assets | $984,365,000 | 868 |
| Average earning assets | $925,160,000 | 849 |
| Average equity | $97,500,333 | 966 |
| Average total loans | $835,434,000 | 748 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,585 |
| Cost of funding earning assets | 0.7564% | 2,626 |
| Net interest margin | 3.6527% | 2,496 |
| Noninterest income to average assets | 0.3629% | 3,343 |
| Noninterest expense to average assets | 2.8403% | 2,305 |
| Loan and lease loss provision to assets | 0.2787% | 1,117 |
| Net operating income to assets | 0.5300% | 3,812 |
| Return on assets (ROA) | 0.5329% | 3,859 |
| Pretax return on assets | 0.6731% | 3,765 |
| Return on Equity (ROE) | 5.2589% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.2589% | 2,173 |
| Net charge-offs to loans | 0.0401% | 1,638 |
| Credit loss provision to net charge-offs | 817.2840% | 657 |
| Earnings coverage of net charge-offs (x) | 27.8025% | 1,228 |
| Efficiency ratio | 71.7413% | 2,116 |
| Assets per employee ($millions) | 5.9016% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,423 |
| Loan loss allowance to noncurrent loans | 406.1404% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 3,835 |
| Noncurrent loans to loans | 0.1961% | 3,777 |
| Net loans and leases to total assets | 83.9379% | 267 |
| Net loans and leases to deposits | 114.6184% | 127 |
| Net loans and leases to core deposits | 119.4725% | 484 |
| Total domestic deposits to total assets | 73.2325% | 4,709 |
| Equity capital to assets | 10.1668% | 3,633 |
| Core capital (leverage) ratio | 9.7301% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8262% | 2,357 |
| Memoranda: | ||
| Average total assets | $950,187,500 | 866 |
| Average earning assets | $891,059,500 | 855 |
| Average equity | $96,293,500 | 971 |
| Average total loans | $807,059,000 | 742 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 3,187 |
| Cost of funding earning assets | 0.8384% | 2,497 |
| Net interest margin | 3.5824% | 3,195 |
| Noninterest income to average assets | 0.4007% | 3,290 |
| Noninterest expense to average assets | 2.7387% | 2,777 |
| Loan and lease loss provision to assets | 0.1465% | 1,462 |
| Net operating income to assets | 0.6562% | 3,999 |
| Return on assets (ROA) | 0.6594% | 4,063 |
| Pretax return on assets | 0.8654% | 3,838 |
| Return on Equity (ROE) | 6.5579% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.1151% | 2,359 |
| Net charge-offs to loans | 0.0623% | 2,208 |
| Credit loss provision to net charge-offs | 280.7128% | 998 |
| Earnings coverage of net charge-offs (x) | 19.3145% | 2,006 |
| Efficiency ratio | 69.6995% | 2,218 |
| Assets per employee ($millions) | 5.6192% | 1,955 |
| Cash dividends to net income (ytd only)* | 22.0010% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 4,488 |
| Loan loss allowance to noncurrent loans | 326.0221% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,688 |
| Noncurrent loans to loans | 0.2262% | 3,640 |
| Net loans and leases to total assets | 84.6412% | 265 |
| Net loans and leases to deposits | 112.8129% | 144 |
| Net loans and leases to core deposits | 115.4455% | 622 |
| Total domestic deposits to total assets | 75.0280% | 4,703 |
| Equity capital to assets | 10.1007% | 3,833 |
| Core capital (leverage) ratio | 9.7655% | 3,771 |
| Tier 1 risk-based capital ratio | 12.8013% | 3,894 |
| Total risk-based capital ratio | 13.6718% | 3,988 |
| Memoranda: | ||
| Average total assets | $914,074,800 | 863 |
| Average earning assets | $853,732,600 | 849 |
| Average equity | $91,904,600 | 963 |
| Average total loans | $765,267,000 | 744 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 3,256 |
| Cost of funding earning assets | 0.8557% | 2,438 |
| Net interest margin | 3.5788% | 3,306 |
| Noninterest income to average assets | 0.3815% | 3,428 |
| Noninterest expense to average assets | 2.7653% | 2,671 |
| Loan and lease loss provision to assets | 0.1098% | 1,771 |
| Net operating income to assets | 0.6466% | 4,166 |
| Return on assets (ROA) | 0.6505% | 4,210 |
| Pretax return on assets | 0.8533% | 3,997 |
| Return on Equity (ROE) | 6.4776% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.1208% | 2,318 |
| Net charge-offs to loans | 0.0324% | 2,424 |
| Credit loss provision to net charge-offs | 406.5217% | 743 |
| Earnings coverage of net charge-offs (x) | 35.4615% | 1,468 |
| Efficiency ratio | 70.8246% | 1,996 |
| Assets per employee ($millions) | 5.6098% | 1,929 |
| Cash dividends to net income (ytd only)* | 5.5080% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 4,600 |
| Loan loss allowance to noncurrent loans | 280.1500% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,699 |
| Noncurrent loans to loans | 0.2584% | 3,614 |
| Net loans and leases to total assets | 84.0302% | 355 |
| Net loans and leases to deposits | 113.1214% | 151 |
| Net loans and leases to core deposits | 116.5822% | 637 |
| Total domestic deposits to total assets | 74.2832% | 4,800 |
| Equity capital to assets | 10.3163% | 3,700 |
| Core capital (leverage) ratio | 9.8339% | 3,801 |
| Tier 1 risk-based capital ratio | 13.1260% | 3,780 |
| Total risk-based capital ratio | 13.9833% | 3,884 |
| Memoranda: | ||
| Average total assets | $907,990,000 | 870 |
| Average earning assets | $847,901,500 | 855 |
| Average equity | $91,184,250 | 964 |
| Average total loans | $756,537,250 | 755 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 3,276 |
| Cost of funding earning assets | 0.8476% | 2,407 |
| Net interest margin | 3.5730% | 3,358 |
| Noninterest income to average assets | 0.3661% | 3,486 |
| Noninterest expense to average assets | 2.7682% | 2,693 |
| Loan and lease loss provision to assets | 0.1137% | 1,653 |
| Net operating income to assets | 0.6262% | 4,234 |
| Return on assets (ROA) | 0.6321% | 4,263 |
| Pretax return on assets | 0.8291% | 4,026 |
| Return on Equity (ROE) | 6.3527% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,287 |
| Net charge-offs to loans | 0.0163% | 2,569 |
| Credit loss provision to net charge-offs | 844.2623% | 402 |
| Earnings coverage of net charge-offs (x) | 69.4426% | 899 |
| Efficiency ratio | 71.2770% | 2,021 |
| Assets per employee ($millions) | 5.6272% | 1,844 |
| Cash dividends to net income (ytd only)* | 5.7283% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 4,672 |
| Loan loss allowance to noncurrent loans | 251.6262% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 3,501 |
| Noncurrent loans to loans | 0.2858% | 3,505 |
| Net loans and leases to total assets | 82.6633% | 519 |
| Net loans and leases to deposits | 108.5191% | 257 |
| Net loans and leases to core deposits | 116.8973% | 650 |
| Total domestic deposits to total assets | 76.1740% | 4,648 |
| Equity capital to assets | 10.0782% | 3,908 |
| Core capital (leverage) ratio | 9.7251% | 3,905 |
| Tier 1 risk-based capital ratio | 12.9980% | 3,834 |
| Total risk-based capital ratio | 13.8468% | 3,963 |
| Memoranda: | ||
| Average total assets | $905,854,670 | 864 |
| Average earning assets | $846,122,000 | 853 |
| Average equity | $90,135,000 | 970 |
| Average total loans | $750,725,670 | 760 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 3,360 |
| Cost of funding earning assets | 0.8269% | 2,386 |
| Net interest margin | 3.5377% | 3,472 |
| Noninterest income to average assets | 0.3604% | 3,445 |
| Noninterest expense to average assets | 2.6808% | 2,964 |
| Loan and lease loss provision to assets | 0.1342% | 1,294 |
| Net operating income to assets | 0.6528% | 4,080 |
| Return on assets (ROA) | 0.6528% | 4,116 |
| Pretax return on assets | 0.8514% | 3,915 |
| Return on Equity (ROE) | 6.6035% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.2394% | 2,350 |
| Net charge-offs to loans | 0.0167% | 2,134 |
| Credit loss provision to net charge-offs | 974.1935% | 383 |
| Earnings coverage of net charge-offs (x) | 71.5484% | 832 |
| Efficiency ratio | 69.5916% | 2,409 |
| Assets per employee ($millions) | 5.8354% | 1,678 |
| Cash dividends to net income (ytd only)* | 5.5140% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,767 |
| Loan loss allowance to noncurrent loans | 353.7642% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,844 |
| Noncurrent loans to loans | 0.1998% | 3,874 |
| Net loans and leases to total assets | 82.4712% | 532 |
| Net loans and leases to deposits | 109.9515% | 217 |
| Net loans and leases to core deposits | 116.7309% | 625 |
| Total domestic deposits to total assets | 75.0068% | 4,858 |
| Equity capital to assets | 9.9781% | 3,850 |
| Core capital (leverage) ratio | 9.6399% | 3,979 |
| Tier 1 risk-based capital ratio | 12.9677% | 3,892 |
| Total risk-based capital ratio | 13.8023% | 4,010 |
| Memoranda: | ||
| Average total assets | $900,168,000 | 871 |
| Average earning assets | $841,233,000 | 858 |
| Average equity | $88,982,500 | 974 |
| Average total loans | $744,236,500 | 770 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 3,150 |
| Cost of funding earning assets | 0.6159% | 2,613 |
| Net interest margin | 3.6738% | 3,144 |
| Noninterest income to average assets | 0.3988% | 3,448 |
| Noninterest expense to average assets | 2.7703% | 2,784 |
| Loan and lease loss provision to assets | 0.1171% | 1,878 |
| Net operating income to assets | 0.7177% | 4,090 |
| Return on assets (ROA) | 0.7164% | 4,101 |
| Pretax return on assets | 0.9286% | 3,818 |
| Return on Equity (ROE) | 7.3987% | 3,693 |
| Retained earnings to average equity (ytd only) | 7.2400% | 1,563 |
| Net charge-offs to loans | 0.0303% | 2,793 |
| Credit loss provision to net charge-offs | 468.3486% | 731 |
| Earnings coverage of net charge-offs (x) | 41.8991% | 1,271 |
| Efficiency ratio | 69.0704% | 2,370 |
| Assets per employee ($millions) | 5.7426% | 1,725 |
| Cash dividends to net income (ytd only)* | 2.1447% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 4,829 |
| Loan loss allowance to noncurrent loans | 442.7944% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,048 |
| Noncurrent loans to loans | 0.1544% | 4,049 |
| Net loans and leases to total assets | 81.7306% | 691 |
| Net loans and leases to deposits | 111.0374% | 228 |
| Net loans and leases to core deposits | 115.5625% | 703 |
| Total domestic deposits to total assets | 73.6064% | 4,971 |
| Equity capital to assets | 9.7912% | 3,868 |
| Core capital (leverage) ratio | 9.6259% | 3,980 |
| Tier 1 risk-based capital ratio | 12.9627% | 3,863 |
| Total risk-based capital ratio | 13.7704% | 3,994 |
| Memoranda: | ||
| Average total assets | $872,140,800 | 876 |
| Average earning assets | $811,622,000 | 866 |
| Average equity | $84,447,400 | 986 |
| Average total loans | $718,834,600 | 764 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,286 |
| Cost of funding earning assets | 0.5797% | 2,634 |
| Net interest margin | 3.6311% | 3,264 |
| Noninterest income to average assets | 0.3940% | 3,520 |
| Noninterest expense to average assets | 2.7464% | 2,827 |
| Loan and lease loss provision to assets | 0.1013% | 1,975 |
| Net operating income to assets | 0.7056% | 4,205 |
| Return on assets (ROA) | 0.7039% | 4,219 |
| Pretax return on assets | 0.9225% | 3,943 |
| Return on Equity (ROE) | 7.2906% | 3,824 |
| Retained earnings to average equity (ytd only) | 7.0770% | 2,091 |
| Net charge-offs to loans | 0.0375% | 2,329 |
| Credit loss provision to net charge-offs | 327.3632% | 958 |
| Earnings coverage of net charge-offs (x) | 33.1596% | 1,524 |
| Efficiency ratio | 69.2427% | 2,318 |
| Assets per employee ($millions) | 5.7495% | 1,688 |
| Cash dividends to net income (ytd only)* | 2.9302% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 4,933 |
| Loan loss allowance to noncurrent loans | 248.7544% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 3,682 |
| Noncurrent loans to loans | 0.2690% | 3,725 |
| Net loans and leases to total assets | 83.1092% | 552 |
| Net loans and leases to deposits | 112.5229% | 221 |
| Net loans and leases to core deposits | 117.5452% | 656 |
| Total domestic deposits to total assets | 73.8598% | 4,990 |
| Equity capital to assets | 9.7352% | 3,888 |
| Core capital (leverage) ratio | 9.4756% | 4,207 |
| Tier 1 risk-based capital ratio | 12.7777% | 4,038 |
| Total risk-based capital ratio | 13.5710% | 4,194 |
| Memoranda: | ||
| Average total assets | $866,213,750 | 875 |
| Average earning assets | $805,914,000 | 871 |
| Average equity | $83,630,750 | 993 |
| Average total loans | $714,237,750 | 765 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 3,224 |
| Cost of funding earning assets | 0.5206% | 2,833 |
| Net interest margin | 3.6435% | 3,141 |
| Noninterest income to average assets | 0.3738% | 3,656 |
| Noninterest expense to average assets | 2.7609% | 2,801 |
| Loan and lease loss provision to assets | 0.0984% | 1,967 |
| Net operating income to assets | 0.6975% | 4,201 |
| Return on assets (ROA) | 0.6950% | 4,213 |
| Pretax return on assets | 0.8967% | 3,979 |
| Return on Equity (ROE) | 7.2184% | 3,827 |
| Retained earnings to average equity (ytd only) | 7.0837% | 2,036 |
| Net charge-offs to loans | 0.0404% | 2,053 |
| Credit loss provision to net charge-offs | 297.2028% | 1,007 |
| Earnings coverage of net charge-offs (x) | 30.1469% | 1,502 |
| Efficiency ratio | 69.8577% | 2,339 |
| Assets per employee ($millions) | 5.4713% | 1,910 |
| Cash dividends to net income (ytd only)* | 1.8660% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 5,028 |
| Loan loss allowance to noncurrent loans | 256.2738% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,813 |
| Noncurrent loans to loans | 0.2541% | 3,791 |
| Net loans and leases to total assets | 82.2359% | 687 |
| Net loans and leases to deposits | 110.4489% | 269 |
| Net loans and leases to core deposits | 117.9469% | 632 |
| Total domestic deposits to total assets | 74.4560% | 5,005 |
| Equity capital to assets | 9.5876% | 4,017 |
| Core capital (leverage) ratio | 9.3104% | 4,351 |
| Tier 1 risk-based capital ratio | 12.3900% | 4,252 |
| Total risk-based capital ratio | 13.1471% | 4,442 |
| Memoranda: | ||
| Average total assets | $863,645,670 | 880 |
| Average earning assets | $802,471,000 | 877 |
| Average equity | $83,148,330 | 993 |
| Average total loans | $708,584,000 | 772 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,380 |
| Cost of funding earning assets | 0.4468% | 3,225 |
| Net interest margin | 3.6131% | 3,125 |
| Noninterest income to average assets | 0.3894% | 3,544 |
| Noninterest expense to average assets | 2.6753% | 3,112 |
| Loan and lease loss provision to assets | 0.1198% | 1,576 |
| Net operating income to assets | 0.7410% | 3,938 |
| Return on assets (ROA) | 0.7359% | 3,966 |
| Pretax return on assets | 0.9518% | 3,698 |
| Return on Equity (ROE) | 7.6271% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.6271% | 1,980 |
| Net charge-offs to loans | 0.0131% | 2,290 |
| Credit loss provision to net charge-offs | 1,117.3913% | 317 |
| Earnings coverage of net charge-offs (x) | 100.5217% | 609 |
| Efficiency ratio | 67.6606% | 2,888 |
| Assets per employee ($millions) | 5.6877% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 5,127 |
| Loan loss allowance to noncurrent loans | 234.0314% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,866 |
| Noncurrent loans to loans | 0.2710% | 3,801 |
| Net loans and leases to total assets | 80.9998% | 788 |
| Net loans and leases to deposits | 112.0128% | 208 |
| Net loans and leases to core deposits | 121.9938% | 526 |
| Total domestic deposits to total assets | 72.3130% | 5,264 |
| Equity capital to assets | 9.6109% | 3,984 |
| Core capital (leverage) ratio | 9.3680% | 4,229 |
| Tier 1 risk-based capital ratio | 12.5781% | 4,191 |
| Total risk-based capital ratio | 13.3201% | 4,401 |
| Memoranda: | ||
| Average total assets | $857,766,500 | 892 |
| Average earning assets | $798,640,000 | 883 |
| Average equity | $82,757,500 | 1,005 |
| Average total loans | $700,569,000 | 782 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,490 |
| Cost of funding earning assets | 0.3373% | 3,821 |
| Net interest margin | 3.6385% | 3,031 |
| Noninterest income to average assets | 0.3916% | 3,694 |
| Noninterest expense to average assets | 2.8847% | 2,505 |
| Loan and lease loss provision to assets | 0.1123% | 2,023 |
| Net operating income to assets | 0.4981% | 4,383 |
| Return on assets (ROA) | 0.5045% | 4,398 |
| Pretax return on assets | 0.7857% | 4,286 |
| Return on Equity (ROE) | 5.1104% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.7143% | 2,316 |
| Net charge-offs to loans | 0.0294% | 3,217 |
| Credit loss provision to net charge-offs | 467.3469% | 670 |
| Earnings coverage of net charge-offs (x) | 36.9592% | 1,325 |
| Efficiency ratio | 72.6782% | 2,127 |
| Assets per employee ($millions) | 5.4904% | 1,946 |
| Cash dividends to net income (ytd only)* | 7.7521% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 5,228 |
| Loan loss allowance to noncurrent loans | 288.5559% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,121 |
| Noncurrent loans to loans | 0.2108% | 4,067 |
| Net loans and leases to total assets | 81.3351% | 770 |
| Net loans and leases to deposits | 110.0099% | 269 |
| Net loans and leases to core deposits | 116.9525% | 691 |
| Total domestic deposits to total assets | 73.9344% | 5,187 |
| Equity capital to assets | 9.6857% | 4,047 |
| Core capital (leverage) ratio | 9.5351% | 3,998 |
| Tier 1 risk-based capital ratio | 12.6842% | 4,102 |
| Total risk-based capital ratio | 13.3982% | 4,328 |
| Memoranda: | ||
| Average total assets | $815,671,800 | 916 |
| Average earning assets | $757,994,800 | 908 |
| Average equity | $80,521,800 | 1,004 |
| Average total loans | $666,926,800 | 781 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9713% | 3,462 |
| Cost of funding earning assets | 0.3244% | 3,899 |
| Net interest margin | 3.6469% | 2,966 |
| Noninterest income to average assets | 0.3566% | 3,982 |
| Noninterest expense to average assets | 2.8552% | 2,550 |
| Loan and lease loss provision to assets | 0.1033% | 2,049 |
| Net operating income to assets | 0.5153% | 4,689 |
| Return on assets (ROA) | 0.5240% | 4,697 |
| Pretax return on assets | 0.8003% | 4,347 |
| Return on Equity (ROE) | 5.2818% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.8438% | 2,991 |
| Net charge-offs to loans | 0.0431% | 2,576 |
| Credit loss provision to net charge-offs | 293.4272% | 1,011 |
| Earnings coverage of net charge-offs (x) | 25.2913% | 1,732 |
| Efficiency ratio | 72.3803% | 2,157 |
| Assets per employee ($millions) | 5.3812% | 2,033 |
| Cash dividends to net income (ytd only)* | 8.2940% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 5,356 |
| Loan loss allowance to noncurrent loans | 277.7935% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 4,235 |
| Noncurrent loans to loans | 0.2103% | 4,233 |
| Net loans and leases to total assets | 81.7086% | 741 |
| Net loans and leases to deposits | 110.7885% | 256 |
| Net loans and leases to core deposits | 118.4197% | 636 |
| Total domestic deposits to total assets | 73.7519% | 5,257 |
| Equity capital to assets | 9.9916% | 3,918 |
| Core capital (leverage) ratio | 9.5597% | 4,083 |
| Tier 1 risk-based capital ratio | 12.8787% | 4,097 |
| Total risk-based capital ratio | 13.5706% | 4,330 |
| Memoranda: | ||
| Average total assets | $806,838,250 | 928 |
| Average earning assets | $749,731,250 | 921 |
| Average equity | $80,045,750 | 1,011 |
| Average total loans | $659,557,750 | 794 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,388 |
| Cost of funding earning assets | 0.3013% | 4,066 |
| Net interest margin | 3.6437% | 2,860 |
| Noninterest income to average assets | 0.3232% | 4,240 |
| Noninterest expense to average assets | 2.8411% | 2,612 |
| Loan and lease loss provision to assets | 0.0777% | 2,425 |
| Net operating income to assets | 0.5155% | 4,669 |
| Return on assets (ROA) | 0.5165% | 4,696 |
| Pretax return on assets | 0.7884% | 4,317 |
| Return on Equity (ROE) | 5.2186% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.8386% | 2,818 |
| Net charge-offs to loans | 0.0082% | 3,161 |
| Credit loss provision to net charge-offs | 1,155.5556% | 348 |
| Earnings coverage of net charge-offs (x) | 128.5926% | 552 |
| Efficiency ratio | 72.7572% | 2,222 |
| Assets per employee ($millions) | 5.2892% | 2,070 |
| Cash dividends to net income (ytd only)* | 7.2806% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5691% | 5,425 |
| Loan loss allowance to noncurrent loans | 145.8557% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 3,453 |
| Noncurrent loans to loans | 0.3902% | 3,624 |
| Net loans and leases to total assets | 81.5339% | 737 |
| Net loans and leases to deposits | 110.8535% | 246 |
| Net loans and leases to core deposits | 117.6841% | 652 |
| Total domestic deposits to total assets | 73.5510% | 5,328 |
| Equity capital to assets | 9.9093% | 4,019 |
| Core capital (leverage) ratio | 9.4745% | 4,153 |
| Tier 1 risk-based capital ratio | 12.5931% | 4,247 |
| Total risk-based capital ratio | 13.2659% | 4,506 |
| Memoranda: | ||
| Average total assets | $803,134,670 | 940 |
| Average earning assets | $745,551,330 | 936 |
| Average equity | $79,485,670 | 1,021 |
| Average total loans | $655,322,670 | 804 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 3,187 |
| Cost of funding earning assets | 0.2832% | 4,223 |
| Net interest margin | 3.6722% | 2,594 |
| Noninterest income to average assets | 0.3366% | 4,154 |
| Noninterest expense to average assets | 2.7127% | 3,097 |
| Loan and lease loss provision to assets | 0.0762% | 2,285 |
| Net operating income to assets | 0.6260% | 4,038 |
| Return on assets (ROA) | 0.6260% | 4,086 |
| Pretax return on assets | 0.9626% | 3,532 |
| Return on Equity (ROE) | 6.3293% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.3293% | 2,174 |
| Net charge-offs to loans | 0.0018% | 2,905 |
| Credit loss provision to net charge-offs | 5,066.6667% | 58 |
| Earnings coverage of net charge-offs (x) | 690.3333% | 73 |
| Efficiency ratio | 68.4182% | 3,137 |
| Assets per employee ($millions) | 5.4785% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5674% | 5,524 |
| Loan loss allowance to noncurrent loans | 145.4365% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 3,522 |
| Noncurrent loans to loans | 0.3902% | 3,708 |
| Net loans and leases to total assets | 80.8459% | 717 |
| Net loans and leases to deposits | 108.5427% | 252 |
| Net loans and leases to core deposits | 115.6846% | 604 |
| Total domestic deposits to total assets | 74.4831% | 5,380 |
| Equity capital to assets | 10.0159% | 3,736 |
| Core capital (leverage) ratio | 9.5194% | 4,105 |
| Tier 1 risk-based capital ratio | 13.1915% | 3,956 |
| Total risk-based capital ratio | 13.8733% | 4,218 |
| Memoranda: | ||
| Average total assets | $797,435,000 | 949 |
| Average earning assets | $741,567,500 | 942 |
| Average equity | $78,871,000 | 1,025 |
| Average total loans | $649,023,000 | 813 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,644 |
| Cost of funding earning assets | 0.2865% | 4,205 |
| Net interest margin | 3.5941% | 3,082 |
| Noninterest income to average assets | 0.4034% | 3,857 |
| Noninterest expense to average assets | 2.9195% | 2,605 |
| Loan and lease loss provision to assets | 0.0926% | 2,506 |
| Net operating income to assets | 0.4811% | 4,706 |
| Return on assets (ROA) | 0.5327% | 4,594 |
| Pretax return on assets | 0.7962% | 4,192 |
| Return on Equity (ROE) | 5.2254% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.4449% | 2,749 |
| Net charge-offs to loans | 0.0282% | 3,465 |
| Credit loss provision to net charge-offs | 404.5977% | 786 |
| Earnings coverage of net charge-offs (x) | 35.4655% | 1,288 |
| Efficiency ratio | 74.1425% | 2,270 |
| Assets per employee ($millions) | 5.4455% | 1,911 |
| Cash dividends to net income (ytd only)* | 14.9383% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 5,616 |
| Loan loss allowance to noncurrent loans | 124.5925% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,631 |
| Noncurrent loans to loans | 0.4327% | 3,591 |
| Net loans and leases to total assets | 81.0305% | 735 |
| Net loans and leases to deposits | 112.0895% | 186 |
| Net loans and leases to core deposits | 119.5614% | 497 |
| Total domestic deposits to total assets | 72.2909% | 5,539 |
| Equity capital to assets | 9.7663% | 3,991 |
| Core capital (leverage) ratio | 9.7106% | 3,842 |
| Tier 1 risk-based capital ratio | 12.7845% | 4,213 |
| Total risk-based capital ratio | 13.4243% | 4,473 |
| Memoranda: | ||
| Average total assets | $760,256,000 | 952 |
| Average earning assets | $703,928,800 | 948 |
| Average equity | $77,505,400 | 1,025 |
| Average total loans | $617,392,000 | 811 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,521 |
| Cost of funding earning assets | 0.2946% | 4,161 |
| Net interest margin | 3.6243% | 2,989 |
| Noninterest income to average assets | 0.3819% | 4,051 |
| Noninterest expense to average assets | 2.9263% | 2,556 |
| Loan and lease loss provision to assets | 0.1107% | 2,077 |
| Net operating income to assets | 0.4687% | 4,807 |
| Return on assets (ROA) | 0.5389% | 4,647 |
| Pretax return on assets | 0.8014% | 4,302 |
| Return on Equity (ROE) | 5.2272% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.3135% | 3,252 |
| Net charge-offs to loans | 0.0337% | 2,964 |
| Credit loss provision to net charge-offs | 404.5455% | 833 |
| Earnings coverage of net charge-offs (x) | 29.4997% | 1,507 |
| Efficiency ratio | 74.2193% | 2,244 |
| Assets per employee ($millions) | 5.3745% | 1,976 |
| Cash dividends to net income (ytd only)* | 17.4802% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 5,675 |
| Loan loss allowance to noncurrent loans | 109.0593% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 3,766 |
| Noncurrent loans to loans | 0.5010% | 3,504 |
| Net loans and leases to total assets | 82.3986% | 564 |
| Net loans and leases to deposits | 109.8813% | 261 |
| Net loans and leases to core deposits | 117.1886% | 604 |
| Total domestic deposits to total assets | 74.9887% | 5,341 |
| Equity capital to assets | 10.3304% | 3,769 |
| Core capital (leverage) ratio | 9.7964% | 3,811 |
| Tier 1 risk-based capital ratio | 13.0050% | 4,156 |
| Total risk-based capital ratio | 13.6486% | 4,437 |
| Memoranda: | ||
| Average total assets | $750,197,250 | 962 |
| Average earning assets | $693,780,500 | 962 |
| Average equity | $77,337,250 | 1,032 |
| Average total loans | $608,700,500 | 815 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,697 |
| Cost of funding earning assets | 0.3008% | 4,119 |
| Net interest margin | 3.5698% | 3,210 |
| Noninterest income to average assets | 0.3692% | 4,106 |
| Noninterest expense to average assets | 2.9099% | 2,643 |
| Loan and lease loss provision to assets | 0.1242% | 1,836 |
| Net operating income to assets | 0.4207% | 4,971 |
| Return on assets (ROA) | 0.5025% | 4,776 |
| Pretax return on assets | 0.7562% | 4,437 |
| Return on Equity (ROE) | 4.8779% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,388 |
| Net charge-offs to loans | 0.0186% | 3,129 |
| Credit loss provision to net charge-offs | 826.7857% | 438 |
| Earnings coverage of net charge-offs (x) | 50.3750% | 990 |
| Efficiency ratio | 75.1115% | 2,208 |
| Assets per employee ($millions) | 5.1812% | 2,106 |
| Cash dividends to net income (ytd only)* | 19.0502% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 5,749 |
| Loan loss allowance to noncurrent loans | 67.0156% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 2,994 |
| Noncurrent loans to loans | 0.8178% | 2,697 |
| Net loans and leases to total assets | 81.3897% | 695 |
| Net loans and leases to deposits | 109.9210% | 256 |
| Net loans and leases to core deposits | 120.3868% | 504 |
| Total domestic deposits to total assets | 74.0438% | 5,514 |
| Equity capital to assets | 10.2979% | 3,863 |
| Core capital (leverage) ratio | 9.6901% | 3,943 |
| Tier 1 risk-based capital ratio | 13.2436% | 4,045 |
| Total risk-based capital ratio | 13.8977% | 4,321 |
| Memoranda: | ||
| Average total assets | $745,868,330 | 972 |
| Average earning assets | $688,886,670 | 968 |
| Average equity | $76,836,330 | 1,038 |
| Average total loans | $600,831,330 | 820 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 3,824 |
| Cost of funding earning assets | 0.3121% | 4,035 |
| Net interest margin | 3.5236% | 3,374 |
| Noninterest income to average assets | 0.3808% | 3,983 |
| Noninterest expense to average assets | 2.8551% | 2,865 |
| Loan and lease loss provision to assets | 0.1593% | 1,308 |
| Net operating income to assets | 0.4245% | 4,922 |
| Return on assets (ROA) | 0.4256% | 4,995 |
| Pretax return on assets | 0.6238% | 4,750 |
| Return on Equity (ROE) | 4.1308% | 4,841 |
| Retained earnings to average equity (ytd only) | 2.6420% | 4,190 |
| Net charge-offs to loans | 0.0358% | 2,261 |
| Credit loss provision to net charge-offs | 556.6038% | 557 |
| Earnings coverage of net charge-offs (x) | 27.3019% | 1,249 |
| Efficiency ratio | 74.1868% | 2,445 |
| Assets per employee ($millions) | 5.5653% | 1,775 |
| Cash dividends to net income (ytd only)* | 36.0406% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5267% | 5,837 |
| Loan loss allowance to noncurrent loans | 56.9413% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 2,816 |
| Noncurrent loans to loans | 0.9249% | 2,534 |
| Net loans and leases to total assets | 81.1477% | 667 |
| Net loans and leases to deposits | 111.8450% | 188 |
| Net loans and leases to core deposits | 122.3579% | 404 |
| Total domestic deposits to total assets | 72.5537% | 5,737 |
| Equity capital to assets | 10.2363% | 3,810 |
| Core capital (leverage) ratio | 9.7100% | 3,897 |
| Tier 1 risk-based capital ratio | 13.1178% | 4,183 |
| Total risk-based capital ratio | 13.7435% | 4,489 |
| Memoranda: | ||
| Average total assets | $740,571,500 | 975 |
| Average earning assets | $684,291,500 | 971 |
| Average equity | $76,304,500 | 1,044 |
| Average total loans | $591,709,500 | 833 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 4,128 |
| Cost of funding earning assets | 0.2898% | 4,371 |
| Net interest margin | 3.4822% | 3,588 |
| Noninterest income to average assets | 0.9165% | 1,391 |
| Noninterest expense to average assets | 3.0331% | 2,437 |
| Loan and lease loss provision to assets | 0.1487% | 1,583 |
| Net operating income to assets | 0.6211% | 4,178 |
| Return on assets (ROA) | 0.6231% | 4,261 |
| Pretax return on assets | 0.9421% | 3,686 |
| Return on Equity (ROE) | 5.9276% | 4,068 |
| Retained earnings to average equity (ytd only) | 2.7405% | 4,121 |
| Net charge-offs to loans | 0.0162% | 3,966 |
| Credit loss provision to net charge-offs | 1,178.8889% | 287 |
| Earnings coverage of net charge-offs (x) | 86.2667% | 653 |
| Efficiency ratio | 69.6440% | 3,280 |
| Assets per employee ($millions) | 5.4061% | 1,899 |
| Cash dividends to net income (ytd only)* | 53.7666% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5234% | 5,903 |
| Loan loss allowance to noncurrent loans | 54.8796% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 2,822 |
| Noncurrent loans to loans | 0.9537% | 2,425 |
| Net loans and leases to total assets | 77.7622% | 1,153 |
| Net loans and leases to deposits | 101.7595% | 557 |
| Net loans and leases to core deposits | 110.8925% | 815 |
| Total domestic deposits to total assets | 76.4176% | 5,399 |
| Equity capital to assets | 10.3726% | 3,536 |
| Core capital (leverage) ratio | 9.9420% | 3,594 |
| Tier 1 risk-based capital ratio | 13.8715% | 3,787 |
| Total risk-based capital ratio | 14.4887% | 4,081 |
| Memoranda: | ||
| Average total assets | $713,699,600 | 971 |
| Average earning assets | $656,766,000 | 973 |
| Average equity | $75,021,800 | 1,019 |
| Average total loans | $557,214,000 | 842 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,165 |
| Cost of funding earning assets | 0.2843% | 4,513 |
| Net interest margin | 3.4937% | 3,562 |
| Noninterest income to average assets | 1.0683% | 1,053 |
| Noninterest expense to average assets | 3.0248% | 2,447 |
| Loan and lease loss provision to assets | 0.1116% | 2,021 |
| Net operating income to assets | 0.7394% | 3,730 |
| Return on assets (ROA) | 0.7400% | 3,822 |
| Pretax return on assets | 1.1487% | 3,023 |
| Return on Equity (ROE) | 7.0164% | 3,608 |
| Retained earnings to average equity (ytd only) | 3.0139% | 4,299 |
| Net charge-offs to loans | 0.0065% | 3,946 |
| Credit loss provision to net charge-offs | 2,200.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 248.2531% | 281 |
| Efficiency ratio | 66.7763% | 3,755 |
| Assets per employee ($millions) | 5.3645% | 1,890 |
| Cash dividends to net income (ytd only)* | 57.0450% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4660% | 6,043 |
| Loan loss allowance to noncurrent loans | 50.4100% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 3,106 |
| Noncurrent loans to loans | 0.9245% | 2,666 |
| Net loans and leases to total assets | 76.7134% | 1,289 |
| Net loans and leases to deposits | 101.2253% | 597 |
| Net loans and leases to core deposits | 111.5477% | 787 |
| Total domestic deposits to total assets | 75.7849% | 5,522 |
| Equity capital to assets | 10.5544% | 3,539 |
| Core capital (leverage) ratio | 10.2379% | 3,321 |
| Tier 1 risk-based capital ratio | 12.8813% | 4,500 |
| Total risk-based capital ratio | 13.3785% | 4,916 |
| Memoranda: | ||
| Average total assets | $709,667,250 | 982 |
| Average earning assets | $653,245,000 | 980 |
| Average equity | $74,851,750 | 1,026 |
| Average total loans | $553,888,250 | 854 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,127 |
| Cost of funding earning assets | 0.2870% | 4,537 |
| Net interest margin | 3.4943% | 3,524 |
| Noninterest income to average assets | 1.3447% | 677 |
| Noninterest expense to average assets | 3.0557% | 2,382 |
| Loan and lease loss provision to assets | 0.0971% | 2,201 |
| Net operating income to assets | 0.8937% | 2,913 |
| Return on assets (ROA) | 0.8989% | 3,004 |
| Pretax return on assets | 1.4124% | 1,924 |
| Return on Equity (ROE) | 8.5248% | 2,788 |
| Retained earnings to average equity (ytd only) | 2.7271% | 4,324 |
| Net charge-offs to loans | 0.0040% | 3,762 |
| Credit loss provision to net charge-offs | 3,118.1818% | 132 |
| Earnings coverage of net charge-offs (x) | 482.1818% | 137 |
| Efficiency ratio | 63.4410% | 4,438 |
| Assets per employee ($millions) | 7.5879% | 646 |
| Cash dividends to net income (ytd only)* | 68.0101% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 6,152 |
| Loan loss allowance to noncurrent loans | 98.2419% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 4,502 |
| Noncurrent loans to loans | 0.4329% | 4,184 |
| Net loans and leases to total assets | 77.8617% | 1,088 |
| Net loans and leases to deposits | 105.1038% | 402 |
| Net loans and leases to core deposits | 112.5567% | 723 |
| Total domestic deposits to total assets | 74.0807% | 5,784 |
| Equity capital to assets | 10.6025% | 3,316 |
| Core capital (leverage) ratio | 10.1527% | 3,396 |
| Tier 1 risk-based capital ratio | 12.9686% | 4,535 |
| Total risk-based capital ratio | 13.4270% | 4,919 |
| Memoranda: | ||
| Average total assets | $706,607,000 | 990 |
| Average earning assets | $649,571,670 | 985 |
| Average equity | $74,512,330 | 1,034 |
| Average total loans | $553,839,330 | 851 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 4,063 |
| Cost of funding earning assets | 0.2872% | 4,583 |
| Net interest margin | 3.4996% | 3,440 |
| Noninterest income to average assets | 0.7479% | 1,926 |
| Noninterest expense to average assets | 3.2059% | 1,968 |
| Loan and lease loss provision to assets | 0.0487% | 2,955 |
| Net operating income to assets | 0.4844% | 4,749 |
| Return on assets (ROA) | 0.4956% | 4,825 |
| Pretax return on assets | 0.7292% | 4,504 |
| Return on Equity (ROE) | 4.7123% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.1792% | 4,079 |
| Net charge-offs to loans | 0.0014% | 3,260 |
| Credit loss provision to net charge-offs | 4,300.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 673.0000% | 73 |
| Efficiency ratio | 76.6576% | 2,403 |
| Assets per employee ($millions) | 7.4146% | 707 |
| Cash dividends to net income (ytd only)* | 32.5342% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3800% | 6,251 |
| Loan loss allowance to noncurrent loans | 90.0086% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 4,641 |
| Noncurrent loans to loans | 0.4222% | 4,325 |
| Net loans and leases to total assets | 78.1160% | 906 |
| Net loans and leases to deposits | 104.5299% | 351 |
| Net loans and leases to core deposits | 112.1139% | 648 |
| Total domestic deposits to total assets | 74.7308% | 5,851 |
| Equity capital to assets | 10.6195% | 3,403 |
| Core capital (leverage) ratio | 9.9937% | 3,608 |
| Tier 1 risk-based capital ratio | 13.1866% | 4,508 |
| Total risk-based capital ratio | 13.6135% | 4,913 |
| Memoranda: | ||
| Average total assets | $707,072,500 | 985 |
| Average earning assets | $650,483,000 | 986 |
| Average equity | $74,359,000 | 1,036 |
| Average total loans | $554,860,000 | 845 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,520 |
| Cost of funding earning assets | 0.2688% | 5,116 |
| Net interest margin | 3.5231% | 3,705 |
| Noninterest income to average assets | 0.7557% | 2,054 |
| Noninterest expense to average assets | 3.1745% | 2,276 |
| Loan and lease loss provision to assets | 0.1497% | 1,753 |
| Net operating income to assets | 0.4494% | 5,025 |
| Return on assets (ROA) | 0.4479% | 5,122 |
| Pretax return on assets | 0.6577% | 4,767 |
| Return on Equity (ROE) | 4.3001% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.4731% | 3,737 |
| Net charge-offs to loans | 0.0042% | 4,866 |
| Credit loss provision to net charge-offs | 4,709.0909% | 65 |
| Earnings coverage of net charge-offs (x) | 254.5909% | 212 |
| Efficiency ratio | 75.4562% | 2,602 |
| Assets per employee ($millions) | 5.4597% | 1,806 |
| Cash dividends to net income (ytd only)* | 19.2320% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3599% | 6,343 |
| Loan loss allowance to noncurrent loans | 73.3723% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,542 |
| Noncurrent loans to loans | 0.4905% | 4,189 |
| Net loans and leases to total assets | 78.2486% | 970 |
| Net loans and leases to deposits | 106.2507% | 347 |
| Net loans and leases to core deposits | 113.4285% | 628 |
| Total domestic deposits to total assets | 73.6453% | 5,973 |
| Equity capital to assets | 10.4142% | 3,593 |
| Core capital (leverage) ratio | 8.9598% | 5,049 |
| Tier 1 risk-based capital ratio | 11.7340% | 5,524 |
| Total risk-based capital ratio | 12.1434% | 5,881 |
| Memoranda: | ||
| Average total assets | $691,833,000 | 965 |
| Average earning assets | $633,949,800 | 969 |
| Average equity | $72,068,000 | 1,018 |
| Average total loans | $527,043,200 | 839 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 4,702 |
| Cost of funding earning assets | 0.2568% | 5,335 |
| Net interest margin | 3.4961% | 3,852 |
| Noninterest income to average assets | 0.7701% | 2,016 |
| Noninterest expense to average assets | 3.0790% | 2,529 |
| Loan and lease loss provision to assets | 0.1783% | 1,379 |
| Net operating income to assets | 0.4815% | 4,938 |
| Return on assets (ROA) | 0.4795% | 5,030 |
| Pretax return on assets | 0.7105% | 4,670 |
| Return on Equity (ROE) | 4.6029% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.7016% | 4,005 |
| Net charge-offs to loans | 0.0044% | 4,551 |
| Credit loss provision to net charge-offs | 5,405.8824% | 71 |
| Earnings coverage of net charge-offs (x) | 270.3652% | 250 |
| Efficiency ratio | 73.2780% | 2,943 |
| Assets per employee ($millions) | 5.7253% | 1,547 |
| Cash dividends to net income (ytd only)* | 19.5794% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3444% | 6,443 |
| Loan loss allowance to noncurrent loans | 47.2201% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 4,162 |
| Noncurrent loans to loans | 0.7294% | 3,776 |
| Net loans and leases to total assets | 77.1908% | 1,067 |
| Net loans and leases to deposits | 104.7075% | 371 |
| Net loans and leases to core deposits | 111.4206% | 686 |
| Total domestic deposits to total assets | 73.7204% | 6,037 |
| Equity capital to assets | 10.2686% | 3,830 |
| Core capital (leverage) ratio | 8.9644% | 5,115 |
| Tier 1 risk-based capital ratio | 12.3670% | 5,254 |
| Total risk-based capital ratio | 12.7812% | 5,703 |
| Memoranda: | ||
| Average total assets | $687,350,750 | 982 |
| Average earning assets | $629,262,750 | 988 |
| Average equity | $71,606,000 | 1,026 |
| Average total loans | $519,457,750 | 860 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 4,779 |
| Cost of funding earning assets | 0.2382% | 5,600 |
| Net interest margin | 3.4878% | 3,826 |
| Noninterest income to average assets | 0.7758% | 1,934 |
| Noninterest expense to average assets | 3.0955% | 2,516 |
| Loan and lease loss provision to assets | 0.1642% | 1,502 |
| Net operating income to assets | 0.4670% | 4,944 |
| Return on assets (ROA) | 0.4660% | 5,023 |
| Pretax return on assets | 0.7025% | 4,630 |
| Return on Equity (ROE) | 4.4510% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.3102% | 4,096 |
| Net charge-offs to loans | 0.0055% | 4,193 |
| Credit loss provision to net charge-offs | 3,985.7143% | 92 |
| Earnings coverage of net charge-offs (x) | 210.7857% | 316 |
| Efficiency ratio | 73.7772% | 3,011 |
| Assets per employee ($millions) | 5.4715% | 1,721 |
| Cash dividends to net income (ytd only)* | 25.6313% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2904% | 6,540 |
| Loan loss allowance to noncurrent loans | 35.0445% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 4,111 |
| Noncurrent loans to loans | 0.8287% | 3,632 |
| Net loans and leases to total assets | 74.7201% | 1,347 |
| Net loans and leases to deposits | 103.4075% | 385 |
| Net loans and leases to core deposits | 110.5494% | 676 |
| Total domestic deposits to total assets | 72.2579% | 6,234 |
| Equity capital to assets | 10.2525% | 3,756 |
| Core capital (leverage) ratio | 9.1000% | 4,873 |
| Tier 1 risk-based capital ratio | 12.4972% | 5,229 |
| Total risk-based capital ratio | 12.8472% | 5,700 |
| Memoranda: | ||
| Average total assets | $679,820,000 | 994 |
| Average earning assets | $621,374,330 | 994 |
| Average equity | $71,174,330 | 1,023 |
| Average total loans | $509,308,670 | 871 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 4,786 |
| Cost of funding earning assets | 0.1985% | 6,009 |
| Net interest margin | 3.5186% | 3,611 |
| Noninterest income to average assets | 0.7678% | 1,881 |
| Noninterest expense to average assets | 3.0125% | 2,826 |
| Loan and lease loss provision to assets | 0.1584% | 1,534 |
| Net operating income to assets | 0.5298% | 4,556 |
| Return on assets (ROA) | 0.5279% | 4,630 |
| Pretax return on assets | 0.8152% | 4,051 |
| Return on Equity (ROE) | 4.9873% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.3664% | 4,106 |
| Net charge-offs to loans | 0.0168% | 3,254 |
| Credit loss provision to net charge-offs | 1,257.1429% | 257 |
| Earnings coverage of net charge-offs (x) | 77.5238% | 556 |
| Efficiency ratio | 71.1429% | 3,635 |
| Assets per employee ($millions) | 5.4014% | 1,802 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2439% | 6,624 |
| Loan loss allowance to noncurrent loans | 23.1403% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 3,701 |
| Noncurrent loans to loans | 1.0540% | 3,317 |
| Net loans and leases to total assets | 75.4138% | 1,070 |
| Net loans and leases to deposits | 102.8430% | 339 |
| Net loans and leases to core deposits | 107.5614% | 690 |
| Total domestic deposits to total assets | 73.3291% | 6,290 |
| Equity capital to assets | 10.6004% | 3,145 |
| Core capital (leverage) ratio | 9.1549% | 4,782 |
| Tier 1 risk-based capital ratio | 13.0021% | 5,002 |
| Total risk-based capital ratio | 13.3061% | 5,540 |
| Memoranda: | ||
| Average total assets | $666,815,500 | 1,023 |
| Average earning assets | $610,465,500 | 1,024 |
| Average equity | $70,579,000 | 1,030 |
| Average total loans | $499,497,000 | 890 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 5,066 |
| Cost of funding earning assets | 0.1124% | 6,644 |
| Net interest margin | 3.6081% | 3,434 |
| Noninterest income to average assets | 1.8558% | 441 |
| Noninterest expense to average assets | 3.1771% | 2,488 |
| Loan and lease loss provision to assets | 0.1516% | 2,384 |
| Net operating income to assets | 1.1535% | 1,747 |
| Return on assets (ROA) | 1.1733% | 1,729 |
| Pretax return on assets | 1.8567% | 669 |
| Return on Equity (ROE) | 11.5552% | 1,567 |
| Retained earnings to average equity (ytd only) | 10.9739% | 420 |
| Net charge-offs to loans | 0.0047% | 5,388 |
| Credit loss provision to net charge-offs | 4,600.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 600.0000% | 62 |
| Efficiency ratio | 58.2539% | 5,704 |
| Assets per employee ($millions) | 5.3536% | 1,794 |
| Cash dividends to net income (ytd only)* | 5.0306% | 4,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2014% | 6,713 |
| Loan loss allowance to noncurrent loans | 19.1691% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 3,891 |
| Noncurrent loans to loans | 1.0504% | 3,413 |
| Net loans and leases to total assets | 74.0618% | 1,340 |
| Net loans and leases to deposits | 98.9773% | 539 |
| Net loans and leases to core deposits | 105.0484% | 851 |
| Total domestic deposits to total assets | 74.8271% | 6,215 |
| Equity capital to assets | 10.5685% | 3,079 |
| Core capital (leverage) ratio | 9.0527% | 4,926 |
| Tier 1 risk-based capital ratio | 13.0289% | 4,949 |
| Total risk-based capital ratio | 13.2844% | 5,531 |
| Memoranda: | ||
| Average total assets | $667,529,400 | 996 |
| Average earning assets | $610,300,000 | 1,005 |
| Average equity | $67,778,800 | 1,053 |
| Average total loans | $472,405,000 | 901 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 5,189 |
| Cost of funding earning assets | 0.1264% | 6,712 |
| Net interest margin | 3.5638% | 3,603 |
| Noninterest income to average assets | 2.2418% | 350 |
| Noninterest expense to average assets | 3.1260% | 2,578 |
| Loan and lease loss provision to assets | 0.1442% | 2,480 |
| Net operating income to assets | 1.3987% | 1,106 |
| Return on assets (ROA) | 1.4431% | 1,054 |
| Pretax return on assets | 2.2978% | 320 |
| Return on Equity (ROE) | 14.3583% | 916 |
| Retained earnings to average equity (ytd only) | 13.7232% | 274 |
| Net charge-offs to loans | 0.0057% | 5,067 |
| Credit loss provision to net charge-offs | 3,615.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 594.6607% | 95 |
| Efficiency ratio | 53.6838% | 6,129 |
| Assets per employee ($millions) | 5.3384% | 1,808 |
| Cash dividends to net income (ytd only)* | 4.4230% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1462% | 6,806 |
| Loan loss allowance to noncurrent loans | 15.6008% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 4,316 |
| Noncurrent loans to loans | 0.9368% | 3,941 |
| Net loans and leases to total assets | 72.7644% | 1,488 |
| Net loans and leases to deposits | 96.3265% | 667 |
| Net loans and leases to core deposits | 102.4124% | 966 |
| Total domestic deposits to total assets | 75.5394% | 6,219 |
| Equity capital to assets | 10.4770% | 3,306 |
| Core capital (leverage) ratio | 9.0278% | 5,085 |
| Tier 1 risk-based capital ratio | 12.9968% | 5,129 |
| Total risk-based capital ratio | 13.1884% | 5,750 |
| Memoranda: | ||
| Average total assets | $668,448,750 | 1,000 |
| Average earning assets | $610,866,250 | 1,008 |
| Average equity | $67,183,750 | 1,071 |
| Average total loans | $467,343,000 | 912 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 5,318 |
| Cost of funding earning assets | 0.1576% | 6,685 |
| Net interest margin | 3.4841% | 3,844 |
| Noninterest income to average assets | 0.9731% | 1,595 |
| Noninterest expense to average assets | 3.0751% | 2,743 |
| Loan and lease loss provision to assets | 0.0731% | 3,580 |
| Net operating income to assets | 0.6607% | 4,015 |
| Return on assets (ROA) | 0.7292% | 3,839 |
| Pretax return on assets | 1.1124% | 3,045 |
| Return on Equity (ROE) | 7.3578% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.6446% | 2,068 |
| Net charge-offs to loans | 0.0061% | 4,767 |
| Credit loss provision to net charge-offs | 1,750.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 259.0714% | 201 |
| Efficiency ratio | 69.8020% | 3,866 |
| Assets per employee ($millions) | 5.2920% | 1,806 |
| Cash dividends to net income (ytd only)* | 9.6933% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0495% | 6,873 |
| Loan loss allowance to noncurrent loans | 3.7800% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 3,956 |
| Noncurrent loans to loans | 1.3108% | 3,365 |
| Net loans and leases to total assets | 69.9333% | 1,897 |
| Net loans and leases to deposits | 95.0286% | 734 |
| Net loans and leases to core deposits | 100.9923% | 1,009 |
| Total domestic deposits to total assets | 73.5918% | 6,466 |
| Equity capital to assets | 9.6242% | 4,417 |
| Core capital (leverage) ratio | 8.0435% | 6,152 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,855 |
| Total risk-based capital ratio | 11.9729% | 6,409 |
| Memoranda: | ||
| Average total assets | $670,611,000 | 994 |
| Average earning assets | $612,790,330 | 1,004 |
| Average equity | $66,460,330 | 1,088 |
| Average total loans | $462,331,330 | 916 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,406 |
| Cost of funding earning assets | 0.1797% | 6,677 |
| Net interest margin | 3.4366% | 3,977 |
| Noninterest income to average assets | 0.9978% | 1,466 |
| Noninterest expense to average assets | 3.1516% | 2,510 |
| Loan and lease loss provision to assets | 0.0042% | 4,375 |
| Net operating income to assets | 0.6438% | 3,997 |
| Return on assets (ROA) | 0.7900% | 3,350 |
| Pretax return on assets | 1.2038% | 2,557 |
| Return on Equity (ROE) | 7.8575% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.2220% | 2,060 |
| Net charge-offs to loans | 0.0026% | 4,120 |
| Credit loss provision to net charge-offs | 233.3333% | 973 |
| Earnings coverage of net charge-offs (x) | 550.6667% | 60 |
| Efficiency ratio | 71.9625% | 3,622 |
| Assets per employee ($millions) | 5.2230% | 1,949 |
| Cash dividends to net income (ytd only)* | 8.0877% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0015% | 6,960 |
| Loan loss allowance to noncurrent loans | 0.1179% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 3,956 |
| Noncurrent loans to loans | 1.3018% | 3,609 |
| Net loans and leases to total assets | 68.2021% | 1,971 |
| Net loans and leases to deposits | 91.8565% | 815 |
| Net loans and leases to core deposits | 97.3155% | 1,127 |
| Total domestic deposits to total assets | 74.2486% | 6,516 |
| Equity capital to assets | 9.7149% | 4,541 |
| Core capital (leverage) ratio | 7.8985% | 6,218 |
| Tier 1 risk-based capital ratio | 11.6490% | 6,109 |
| Total risk-based capital ratio | 11.6858% | 6,581 |
| Memoranda: | ||
| Average total assets | $669,877,500 | 1,006 |
| Average earning assets | $612,116,000 | 1,012 |
| Average equity | $67,349,500 | 1,082 |
| Average total loans | $458,377,500 | 922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 5,399 |
| Cost of funding earning assets | 0.6270% | 4,124 |
| Net interest margin | 3.3426% | 5,100 |
| Noninterest income to average assets | 1.0211% | 1,474 |
| Noninterest expense to average assets | 3.0583% | 3,055 |
| Loan and lease loss provision to assets | 0.1143% | 4,208 |
| Net operating income to assets | 0.6290% | 4,092 |
| Return on assets (ROA) | 0.6181% | 4,417 |
| Pretax return on assets | 0.8847% | 3,979 |
| Return on Equity (ROE) | 5.9483% | 4,198 |
| Retained earnings to average equity (ytd only) | 4.8055% | 2,844 |
| Net charge-offs to loans | 0.3158% | 3,061 |
| Credit loss provision to net charge-offs | 54.8576% | 4,581 |
| Earnings coverage of net charge-offs (x) | 4.8678% | 3,221 |
| Efficiency ratio | 73.5982% | 3,135 |
| Assets per employee ($millions) | 5.2032% | 1,981 |
| Cash dividends to net income (ytd only)* | 19.2118% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,948 |
| Loan loss allowance to noncurrent loans | 93.4284% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 4,009 |
| Noncurrent loans to loans | 1.3243% | 3,625 |
| Net loans and leases to total assets | 67.8007% | 2,214 |
| Net loans and leases to deposits | 91.9223% | 916 |
| Net loans and leases to core deposits | 97.2832% | 1,199 |
| Total domestic deposits to total assets | 73.7587% | 6,556 |
| Equity capital to assets | 10.3918% | 3,652 |
| Core capital (leverage) ratio | 9.0297% | 4,847 |
| Tier 1 risk-based capital ratio | 13.0851% | 5,044 |
| Total risk-based capital ratio | 14.4111% | 4,935 |
| Memoranda: | ||
| Average total assets | $656,843,400 | 1,005 |
| Average earning assets | $599,691,800 | 1,003 |
| Average equity | $68,255,200 | 1,032 |
| Average total loans | $433,467,200 | 964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 5,535 |
| Cost of funding earning assets | 0.6365% | 4,304 |
| Net interest margin | 3.3578% | 5,189 |
| Noninterest income to average assets | 0.9562% | 1,653 |
| Noninterest expense to average assets | 2.9899% | 3,263 |
| Loan and lease loss provision to assets | 0.1257% | 3,981 |
| Net operating income to assets | 0.6336% | 4,223 |
| Return on assets (ROA) | 0.6560% | 4,378 |
| Pretax return on assets | 0.9403% | 3,960 |
| Return on Equity (ROE) | 6.3128% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.8908% | 3,447 |
| Net charge-offs to loans | 0.2750% | 3,073 |
| Credit loss provision to net charge-offs | 70.0000% | 3,903 |
| Earnings coverage of net charge-offs (x) | 5.7568% | 2,933 |
| Efficiency ratio | 72.8177% | 3,183 |
| Assets per employee ($millions) | 4.9367% | 2,271 |
| Cash dividends to net income (ytd only)* | 22.5264% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 4,468 |
| Loan loss allowance to noncurrent loans | 92.7532% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2681% | 3,757 |
| Noncurrent loans to loans | 1.4866% | 3,558 |
| Net loans and leases to total assets | 66.9546% | 2,474 |
| Net loans and leases to deposits | 89.3701% | 1,214 |
| Net loans and leases to core deposits | 94.9522% | 1,493 |
| Total domestic deposits to total assets | 74.9184% | 6,528 |
| Equity capital to assets | 10.7446% | 3,560 |
| Core capital (leverage) ratio | 9.0173% | 5,041 |
| Tier 1 risk-based capital ratio | 13.5102% | 4,874 |
| Total risk-based capital ratio | 14.8406% | 4,781 |
| Memoranda: | ||
| Average total assets | $653,251,000 | 1,016 |
| Average earning assets | $596,797,250 | 1,013 |
| Average equity | $67,881,250 | 1,042 |
| Average total loans | $426,637,000 | 987 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 5,668 |
| Cost of funding earning assets | 0.6385% | 4,545 |
| Net interest margin | 3.3523% | 5,262 |
| Noninterest income to average assets | 0.9105% | 1,747 |
| Noninterest expense to average assets | 2.9559% | 3,420 |
| Loan and lease loss provision to assets | 0.1944% | 3,144 |
| Net operating income to assets | 0.5876% | 4,419 |
| Return on assets (ROA) | 0.5905% | 4,670 |
| Pretax return on assets | 0.8272% | 4,370 |
| Return on Equity (ROE) | 5.7464% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.4694% | 3,629 |
| Net charge-offs to loans | 0.4080% | 2,392 |
| Credit loss provision to net charge-offs | 73.8979% | 3,482 |
| Earnings coverage of net charge-offs (x) | 3.8689% | 3,244 |
| Efficiency ratio | 72.9458% | 3,248 |
| Assets per employee ($millions) | 5.0526% | 2,104 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 4,390 |
| Loan loss allowance to noncurrent loans | 92.4162% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 3,899 |
| Noncurrent loans to loans | 1.5338% | 3,603 |
| Net loans and leases to total assets | 64.5124% | 2,933 |
| Net loans and leases to deposits | 87.8302% | 1,379 |
| Net loans and leases to core deposits | 94.0207% | 1,602 |
| Total domestic deposits to total assets | 73.4513% | 6,712 |
| Equity capital to assets | 10.3724% | 3,845 |
| Core capital (leverage) ratio | 8.8575% | 5,115 |
| Tier 1 risk-based capital ratio | 13.3998% | 4,903 |
| Total risk-based capital ratio | 14.6963% | 4,824 |
| Memoranda: | ||
| Average total assets | $655,432,000 | 1,011 |
| Average earning assets | $598,873,670 | 1,011 |
| Average equity | $67,346,330 | 1,043 |
| Average total loans | $422,497,670 | 996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 5,885 |
| Cost of funding earning assets | 0.6484% | 4,747 |
| Net interest margin | 3.3097% | 5,440 |
| Noninterest income to average assets | 0.8755% | 1,848 |
| Noninterest expense to average assets | 2.9056% | 3,597 |
| Loan and lease loss provision to assets | 0.1204% | 3,841 |
| Net operating income to assets | 0.5933% | 4,375 |
| Return on assets (ROA) | 0.5987% | 4,564 |
| Pretax return on assets | 0.8853% | 4,084 |
| Return on Equity (ROE) | 5.8547% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3529% | 3,339 |
| Net charge-offs to loans | 0.0640% | 3,855 |
| Credit loss provision to net charge-offs | 294.0299% | 1,005 |
| Earnings coverage of net charge-offs (x) | 24.3731% | 1,058 |
| Efficiency ratio | 73.0631% | 3,247 |
| Assets per employee ($millions) | 5.1008% | 2,122 |
| Cash dividends to net income (ytd only)* | 8.5714% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 3,954 |
| Loan loss allowance to noncurrent loans | 69.2663% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 3,739 |
| Noncurrent loans to loans | 2.2337% | 2,882 |
| Net loans and leases to total assets | 62.3554% | 3,178 |
| Net loans and leases to deposits | 84.8331% | 1,561 |
| Net loans and leases to core deposits | 90.6065% | 1,789 |
| Total domestic deposits to total assets | 73.5036% | 6,784 |
| Equity capital to assets | 10.2596% | 3,779 |
| Core capital (leverage) ratio | 8.7830% | 5,153 |
| Tier 1 risk-based capital ratio | 13.5041% | 4,825 |
| Total risk-based capital ratio | 14.8300% | 4,754 |
| Memoranda: | ||
| Average total assets | $654,729,000 | 1,008 |
| Average earning assets | $598,968,000 | 1,007 |
| Average equity | $66,954,500 | 1,045 |
| Average total loans | $418,829,000 | 994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 6,230 |
| Cost of funding earning assets | 0.7881% | 4,951 |
| Net interest margin | 3.3362% | 5,704 |
| Noninterest income to average assets | 0.8794% | 1,746 |
| Noninterest expense to average assets | 2.8613% | 4,120 |
| Loan and lease loss provision to assets | 0.2492% | 3,713 |
| Net operating income to assets | 0.5564% | 4,204 |
| Return on assets (ROA) | 0.6423% | 3,966 |
| Pretax return on assets | 0.9367% | 3,486 |
| Return on Equity (ROE) | 6.1836% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.6675% | 2,194 |
| Net charge-offs to loans | 0.2377% | 4,293 |
| Credit loss provision to net charge-offs | 163.9875% | 1,667 |
| Earnings coverage of net charge-offs (x) | 6.9854% | 2,418 |
| Efficiency ratio | 71.5077% | 3,687 |
| Assets per employee ($millions) | 5.0112% | 2,190 |
| Cash dividends to net income (ytd only)* | 8.3457% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 4,021 |
| Loan loss allowance to noncurrent loans | 66.3237% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 3,766 |
| Noncurrent loans to loans | 2.2632% | 2,884 |
| Net loans and leases to total assets | 63.6409% | 3,261 |
| Net loans and leases to deposits | 88.3068% | 1,337 |
| Net loans and leases to core deposits | 94.0705% | 1,691 |
| Total domestic deposits to total assets | 72.0680% | 6,868 |
| Equity capital to assets | 10.1926% | 3,916 |
| Core capital (leverage) ratio | 8.6846% | 5,275 |
| Tier 1 risk-based capital ratio | 13.2506% | 4,872 |
| Total risk-based capital ratio | 14.5451% | 4,822 |
| Memoranda: | ||
| Average total assets | $630,516,800 | 1,027 |
| Average earning assets | $575,149,000 | 1,028 |
| Average equity | $65,496,000 | 1,030 |
| Average total loans | $403,072,200 | 1,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 6,327 |
| Cost of funding earning assets | 0.8232% | 4,988 |
| Net interest margin | 3.3200% | 5,808 |
| Noninterest income to average assets | 0.8082% | 2,019 |
| Noninterest expense to average assets | 2.8061% | 4,320 |
| Loan and lease loss provision to assets | 0.2324% | 3,687 |
| Net operating income to assets | 0.5368% | 4,376 |
| Return on assets (ROA) | 0.6425% | 4,089 |
| Pretax return on assets | 0.9512% | 3,587 |
| Return on Equity (ROE) | 6.1548% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.6380% | 2,776 |
| Net charge-offs to loans | 0.2251% | 4,030 |
| Credit loss provision to net charge-offs | 161.9614% | 1,897 |
| Earnings coverage of net charge-offs (x) | 7.1649% | 2,409 |
| Efficiency ratio | 71.6995% | 3,616 |
| Assets per employee ($millions) | 4.9675% | 2,235 |
| Cash dividends to net income (ytd only)* | 8.3968% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 4,214 |
| Loan loss allowance to noncurrent loans | 93.1811% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 4,678 |
| Noncurrent loans to loans | 1.5866% | 3,919 |
| Net loans and leases to total assets | 64.1642% | 3,276 |
| Net loans and leases to deposits | 86.3602% | 1,637 |
| Net loans and leases to core deposits | 93.1725% | 1,859 |
| Total domestic deposits to total assets | 74.2983% | 6,725 |
| Equity capital to assets | 10.4933% | 3,713 |
| Core capital (leverage) ratio | 8.5453% | 5,647 |
| Tier 1 risk-based capital ratio | 13.2314% | 4,924 |
| Total risk-based capital ratio | 14.4996% | 4,887 |
| Memoranda: | ||
| Average total assets | $625,281,000 | 1,049 |
| Average earning assets | $569,940,500 | 1,046 |
| Average equity | $65,269,750 | 1,036 |
| Average total loans | $398,612,000 | 1,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 6,524 |
| Cost of funding earning assets | 0.8460% | 5,091 |
| Net interest margin | 3.2399% | 6,027 |
| Noninterest income to average assets | 0.8489% | 1,808 |
| Noninterest expense to average assets | 2.7943% | 4,442 |
| Loan and lease loss provision to assets | 0.2306% | 3,604 |
| Net operating income to assets | 0.5218% | 4,409 |
| Return on assets (ROA) | 0.6478% | 3,938 |
| Pretax return on assets | 0.9624% | 3,384 |
| Return on Equity (ROE) | 6.2174% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.6957% | 2,595 |
| Net charge-offs to loans | 0.2826% | 3,466 |
| Credit loss provision to net charge-offs | 128.9568% | 2,368 |
| Earnings coverage of net charge-offs (x) | 5.6187% | 2,573 |
| Efficiency ratio | 72.0430% | 3,724 |
| Assets per employee ($millions) | 4.8190% | 2,381 |
| Cash dividends to net income (ytd only)* | 8.3913% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 4,197 |
| Loan loss allowance to noncurrent loans | 84.1026% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,675 |
| Noncurrent loans to loans | 1.7665% | 3,798 |
| Net loans and leases to total assets | 61.1605% | 4,060 |
| Net loans and leases to deposits | 83.0041% | 2,277 |
| Net loans and leases to core deposits | 88.2042% | 2,619 |
| Total domestic deposits to total assets | 73.6837% | 6,873 |
| Equity capital to assets | 10.3584% | 3,681 |
| Core capital (leverage) ratio | 8.6158% | 5,372 |
| Tier 1 risk-based capital ratio | 13.5825% | 4,469 |
| Total risk-based capital ratio | 14.8980% | 4,396 |
| Memoranda: | ||
| Average total assets | $621,761,000 | 1,068 |
| Average earning assets | $566,183,330 | 1,066 |
| Average equity | $64,786,000 | 1,042 |
| Average total loans | $393,448,000 | 1,102 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 6,405 |
| Cost of funding earning assets | 0.8637% | 5,183 |
| Net interest margin | 3.2814% | 5,839 |
| Noninterest income to average assets | 0.8969% | 1,673 |
| Noninterest expense to average assets | 2.7400% | 4,673 |
| Loan and lease loss provision to assets | 0.2929% | 2,811 |
| Net operating income to assets | 0.5806% | 4,132 |
| Return on assets (ROA) | 0.5806% | 4,200 |
| Pretax return on assets | 0.8461% | 3,717 |
| Return on Equity (ROE) | 5.5547% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.0254% | 3,177 |
| Net charge-offs to loans | 0.5001% | 2,223 |
| Credit loss provision to net charge-offs | 91.6497% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.5642% | 2,705 |
| Efficiency ratio | 69.1443% | 4,446 |
| Assets per employee ($millions) | 4.6966% | 2,585 |
| Cash dividends to net income (ytd only)* | 9.5291% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,434 |
| Loan loss allowance to noncurrent loans | 79.1091% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 4,515 |
| Noncurrent loans to loans | 1.8342% | 3,785 |
| Net loans and leases to total assets | 62.5361% | 3,749 |
| Net loans and leases to deposits | 82.7414% | 2,228 |
| Net loans and leases to core deposits | 87.8035% | 2,626 |
| Total domestic deposits to total assets | 75.5802% | 6,731 |
| Equity capital to assets | 10.5011% | 3,175 |
| Core capital (leverage) ratio | 8.5896% | 5,282 |
| Tier 1 risk-based capital ratio | 13.7411% | 4,248 |
| Total risk-based capital ratio | 15.1125% | 4,141 |
| Memoranda: | ||
| Average total assets | $614,589,000 | 1,085 |
| Average earning assets | $558,547,000 | 1,092 |
| Average equity | $64,234,000 | 1,043 |
| Average total loans | $392,716,000 | 1,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 6,152 |
| Cost of funding earning assets | 1.0372% | 5,502 |
| Net interest margin | 3.5495% | 5,037 |
| Noninterest income to average assets | 1.0210% | 1,437 |
| Noninterest expense to average assets | 3.1331% | 3,336 |
| Loan and lease loss provision to assets | 0.1973% | 5,258 |
| Net operating income to assets | 0.6226% | 3,574 |
| Return on assets (ROA) | 0.6476% | 3,603 |
| Pretax return on assets | 0.9406% | 3,132 |
| Return on Equity (ROE) | 6.2453% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.7026% | 1,987 |
| Net charge-offs to loans | 0.2291% | 4,909 |
| Credit loss provision to net charge-offs | 128.5249% | 3,115 |
| Earnings coverage of net charge-offs (x) | 7.1768% | 2,188 |
| Efficiency ratio | 72.5832% | 3,684 |
| Assets per employee ($millions) | 4.8724% | 2,321 |
| Cash dividends to net income (ytd only)* | 8.6889% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 4,311 |
| Loan loss allowance to noncurrent loans | 118.8047% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 5,055 |
| Noncurrent loans to loans | 1.2157% | 4,699 |
| Net loans and leases to total assets | 63.4128% | 3,987 |
| Net loans and leases to deposits | 86.2029% | 2,056 |
| Net loans and leases to core deposits | 90.2262% | 2,737 |
| Total domestic deposits to total assets | 73.5622% | 6,939 |
| Equity capital to assets | 10.4019% | 3,271 |
| Core capital (leverage) ratio | 8.4802% | 5,400 |
| Tier 1 risk-based capital ratio | 13.4574% | 4,242 |
| Total risk-based capital ratio | 14.8165% | 4,126 |
| Memoranda: | ||
| Average total assets | $600,676,200 | 1,112 |
| Average earning assets | $543,850,800 | 1,116 |
| Average equity | $62,287,200 | 1,073 |
| Average total loans | $402,379,600 | 1,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 6,264 |
| Cost of funding earning assets | 1.0735% | 5,575 |
| Net interest margin | 3.5545% | 5,087 |
| Noninterest income to average assets | 0.8569% | 1,969 |
| Noninterest expense to average assets | 3.0518% | 3,565 |
| Loan and lease loss provision to assets | 0.2375% | 4,702 |
| Net operating income to assets | 0.5304% | 4,182 |
| Return on assets (ROA) | 0.5529% | 4,250 |
| Pretax return on assets | 0.8169% | 3,841 |
| Return on Equity (ROE) | 5.3359% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.7887% | 3,140 |
| Net charge-offs to loans | 0.0808% | 5,714 |
| Credit loss provision to net charge-offs | 434.2857% | 694 |
| Earnings coverage of net charge-offs (x) | 18.6775% | 1,240 |
| Efficiency ratio | 73.4561% | 3,422 |
| Assets per employee ($millions) | 4.6389% | 2,694 |
| Cash dividends to net income (ytd only)* | 10.2544% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 3,777 |
| Loan loss allowance to noncurrent loans | 84.6237% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 4,652 |
| Noncurrent loans to loans | 1.8187% | 3,920 |
| Net loans and leases to total assets | 66.9555% | 3,473 |
| Net loans and leases to deposits | 88.5306% | 1,937 |
| Net loans and leases to core deposits | 92.7190% | 2,697 |
| Total domestic deposits to total assets | 75.6299% | 6,714 |
| Equity capital to assets | 10.5448% | 3,474 |
| Core capital (leverage) ratio | 8.3503% | 5,784 |
| Tier 1 risk-based capital ratio | 12.9370% | 4,624 |
| Total risk-based capital ratio | 14.2934% | 4,524 |
| Memoranda: | ||
| Average total assets | $597,363,500 | 1,132 |
| Average earning assets | $540,524,250 | 1,138 |
| Average equity | $61,894,000 | 1,086 |
| Average total loans | $404,221,250 | 1,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 6,463 |
| Cost of funding earning assets | 1.0991% | 5,675 |
| Net interest margin | 3.5008% | 5,241 |
| Noninterest income to average assets | 0.8814% | 1,755 |
| Noninterest expense to average assets | 3.0589% | 3,477 |
| Loan and lease loss provision to assets | 0.2740% | 4,196 |
| Net operating income to assets | 0.4840% | 4,397 |
| Return on assets (ROA) | 0.4945% | 4,511 |
| Pretax return on assets | 0.7276% | 4,145 |
| Return on Equity (ROE) | 4.8007% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.2510% | 3,373 |
| Net charge-offs to loans | 0.1036% | 5,110 |
| Credit loss provision to net charge-offs | 391.3876% | 923 |
| Earnings coverage of net charge-offs (x) | 14.0861% | 1,546 |
| Efficiency ratio | 74.1449% | 3,445 |
| Assets per employee ($millions) | 4.5279% | 2,830 |
| Cash dividends to net income (ytd only)* | 11.4499% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 4,060 |
| Loan loss allowance to noncurrent loans | 74.9288% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.4021% | 4,372 |
| Noncurrent loans to loans | 1.9639% | 3,769 |
| Net loans and leases to total assets | 66.8185% | 3,662 |
| Net loans and leases to deposits | 87.8655% | 2,194 |
| Net loans and leases to core deposits | 91.9513% | 2,997 |
| Total domestic deposits to total assets | 76.0463% | 6,683 |
| Equity capital to assets | 10.2429% | 3,715 |
| Core capital (leverage) ratio | 8.2418% | 5,870 |
| Tier 1 risk-based capital ratio | 12.5283% | 4,834 |
| Total risk-based capital ratio | 13.8543% | 4,734 |
| Memoranda: | ||
| Average total assets | $597,011,000 | 1,135 |
| Average earning assets | $539,526,330 | 1,143 |
| Average equity | $61,491,330 | 1,081 |
| Average total loans | $403,315,330 | 1,143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 6,619 |
| Cost of funding earning assets | 1.1268% | 5,766 |
| Net interest margin | 3.4507% | 5,371 |
| Noninterest income to average assets | 0.8930% | 1,653 |
| Noninterest expense to average assets | 2.9297% | 3,951 |
| Loan and lease loss provision to assets | 0.2655% | 3,903 |
| Net operating income to assets | 0.5547% | 4,112 |
| Return on assets (ROA) | 0.5377% | 4,334 |
| Pretax return on assets | 0.7944% | 3,892 |
| Return on Equity (ROE) | 5.2058% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.6564% | 3,350 |
| Net charge-offs to loans | 0.0892% | 4,524 |
| Credit loss provision to net charge-offs | 441.5730% | 949 |
| Earnings coverage of net charge-offs (x) | 18.0449% | 1,246 |
| Efficiency ratio | 71.4791% | 4,027 |
| Assets per employee ($millions) | 4.5930% | 2,813 |
| Cash dividends to net income (ytd only)* | 10.5528% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,222 |
| Loan loss allowance to noncurrent loans | 67.4280% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 4,076 |
| Noncurrent loans to loans | 2.1321% | 3,610 |
| Net loans and leases to total assets | 66.6145% | 3,721 |
| Net loans and leases to deposits | 87.9743% | 2,233 |
| Net loans and leases to core deposits | 92.0798% | 3,097 |
| Total domestic deposits to total assets | 75.7204% | 6,800 |
| Equity capital to assets | 10.3954% | 3,350 |
| Core capital (leverage) ratio | 8.2361% | 5,852 |
| Tier 1 risk-based capital ratio | 12.6127% | 4,632 |
| Total risk-based capital ratio | 13.9626% | 4,513 |
| Memoranda: | ||
| Average total assets | $592,145,500 | 1,170 |
| Average earning assets | $535,659,500 | 1,182 |
| Average equity | $61,163,000 | 1,092 |
| Average total loans | $399,237,500 | 1,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 6,084 |
| Cost of funding earning assets | 1.6237% | 4,917 |
| Net interest margin | 3.4768% | 5,058 |
| Noninterest income to average assets | 1.0836% | 1,313 |
| Noninterest expense to average assets | 3.2709% | 3,122 |
| Loan and lease loss provision to assets | 0.3795% | 4,512 |
| Net operating income to assets | 0.4182% | 4,057 |
| Return on assets (ROA) | 0.5214% | 3,735 |
| Pretax return on assets | 0.7344% | 3,461 |
| Return on Equity (ROE) | 5.1088% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.5378% | 2,079 |
| Net charge-offs to loans | 0.3053% | 4,722 |
| Credit loss provision to net charge-offs | 174.8213% | 2,401 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 2,945 |
| Efficiency ratio | 75.7016% | 3,573 |
| Assets per employee ($millions) | 4.5523% | 2,831 |
| Cash dividends to net income (ytd only)* | 11.1772% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,399 |
| Loan loss allowance to noncurrent loans | 85.7976% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 4,645 |
| Noncurrent loans to loans | 1.5938% | 4,264 |
| Net loans and leases to total assets | 66.3383% | 4,071 |
| Net loans and leases to deposits | 88.7610% | 2,432 |
| Net loans and leases to core deposits | 101.2140% | 3,879 |
| Total domestic deposits to total assets | 74.7381% | 6,907 |
| Equity capital to assets | 10.2626% | 3,444 |
| Core capital (leverage) ratio | 8.0619% | 6,063 |
| Tier 1 risk-based capital ratio | 12.5041% | 4,521 |
| Total risk-based capital ratio | 13.8478% | 4,394 |
| Memoranda: | ||
| Average total assets | $579,934,000 | 1,196 |
| Average earning assets | $526,401,600 | 1,207 |
| Average equity | $59,191,800 | 1,120 |
| Average total loans | $412,361,000 | 1,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 5,843 |
| Cost of funding earning assets | 1.7326% | 4,732 |
| Net interest margin | 3.4754% | 4,970 |
| Noninterest income to average assets | 1.1037% | 1,298 |
| Noninterest expense to average assets | 3.2375% | 3,165 |
| Loan and lease loss provision to assets | 0.3716% | 4,100 |
| Net operating income to assets | 0.4467% | 4,210 |
| Return on assets (ROA) | 0.5521% | 3,867 |
| Pretax return on assets | 0.8058% | 3,517 |
| Return on Equity (ROE) | 5.4165% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.8429% | 2,586 |
| Net charge-offs to loans | 0.1135% | 5,546 |
| Credit loss provision to net charge-offs | 454.2373% | 869 |
| Earnings coverage of net charge-offs (x) | 12.5254% | 1,752 |
| Efficiency ratio | 74.5066% | 3,782 |
| Assets per employee ($millions) | 4.4630% | 2,923 |
| Cash dividends to net income (ytd only)* | 10.5901% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 3,928 |
| Loan loss allowance to noncurrent loans | 71.5134% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5626% | 4,017 |
| Noncurrent loans to loans | 1.9609% | 3,687 |
| Net loans and leases to total assets | 70.6394% | 3,351 |
| Net loans and leases to deposits | 93.0202% | 2,058 |
| Net loans and leases to core deposits | 104.2576% | 3,907 |
| Total domestic deposits to total assets | 75.9399% | 6,595 |
| Equity capital to assets | 10.3867% | 3,634 |
| Core capital (leverage) ratio | 8.0517% | 6,272 |
| Tier 1 risk-based capital ratio | 12.1096% | 4,868 |
| Total risk-based capital ratio | 13.4415% | 4,752 |
| Memoranda: | ||
| Average total assets | $576,968,250 | 1,211 |
| Average earning assets | $524,358,000 | 1,220 |
| Average equity | $58,806,250 | 1,141 |
| Average total loans | $415,943,500 | 1,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 5,549 |
| Cost of funding earning assets | 1.8235% | 4,647 |
| Net interest margin | 3.4973% | 4,808 |
| Noninterest income to average assets | 1.1767% | 1,124 |
| Noninterest expense to average assets | 3.2665% | 3,095 |
| Loan and lease loss provision to assets | 0.4337% | 3,387 |
| Net operating income to assets | 0.4456% | 4,311 |
| Return on assets (ROA) | 0.6013% | 3,778 |
| Pretax return on assets | 0.8843% | 3,391 |
| Return on Equity (ROE) | 5.9375% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.3595% | 2,314 |
| Net charge-offs to loans | 0.1156% | 5,002 |
| Credit loss provision to net charge-offs | 519.5021% | 891 |
| Earnings coverage of net charge-offs (x) | 13.0456% | 1,765 |
| Efficiency ratio | 73.5804% | 4,097 |
| Assets per employee ($millions) | 4.3488% | 3,023 |
| Cash dividends to net income (ytd only)* | 9.7350% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 4,109 |
| Loan loss allowance to noncurrent loans | 90.0699% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 4,662 |
| Noncurrent loans to loans | 1.4742% | 4,283 |
| Net loans and leases to total assets | 69.6324% | 3,784 |
| Net loans and leases to deposits | 91.6287% | 2,541 |
| Net loans and leases to core deposits | 104.6867% | 3,992 |
| Total domestic deposits to total assets | 75.9941% | 6,551 |
| Equity capital to assets | 9.9741% | 3,975 |
| Core capital (leverage) ratio | 7.9549% | 6,412 |
| Tier 1 risk-based capital ratio | 11.8433% | 5,056 |
| Total risk-based capital ratio | 13.1519% | 4,917 |
| Memoranda: | ||
| Average total assets | $577,383,000 | 1,230 |
| Average earning assets | $524,810,330 | 1,239 |
| Average equity | $58,475,330 | 1,159 |
| Average total loans | $417,100,670 | 1,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4517% | 5,169 |
| Cost of funding earning assets | 1.8968% | 4,639 |
| Net interest margin | 3.5549% | 4,505 |
| Noninterest income to average assets | 1.0884% | 1,258 |
| Noninterest expense to average assets | 2.9953% | 3,790 |
| Loan and lease loss provision to assets | 0.4622% | 2,622 |
| Net operating income to assets | 0.5714% | 4,139 |
| Return on assets (ROA) | 0.8773% | 2,951 |
| Pretax return on assets | 1.3332% | 2,167 |
| Return on Equity (ROE) | 8.5953% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.0113% | 1,811 |
| Net charge-offs to loans | -0.0355% | 7,601 |
| Credit loss provision to net charge-offs | -1,781.0811% | 6,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7796% | 5,008 |
| Assets per employee ($millions) | 4.4904% | 2,734 |
| Cash dividends to net income (ytd only)* | 6.7946% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,483 |
| Loan loss allowance to noncurrent loans | 70.2695% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 4,048 |
| Noncurrent loans to loans | 1.7726% | 3,608 |
| Net loans and leases to total assets | 71.3637% | 3,386 |
| Net loans and leases to deposits | 93.9513% | 2,273 |
| Net loans and leases to core deposits | 106.6514% | 3,830 |
| Total domestic deposits to total assets | 75.9581% | 6,524 |
| Equity capital to assets | 10.0773% | 3,905 |
| Core capital (leverage) ratio | 8.1582% | 6,175 |
| Tier 1 risk-based capital ratio | 11.6991% | 5,207 |
| Total risk-based capital ratio | 12.9979% | 5,098 |
| Memoranda: | ||
| Average total assets | $570,358,000 | 1,246 |
| Average earning assets | $519,619,500 | 1,250 |
| Average equity | $58,218,000 | 1,167 |
| Average total loans | $416,965,500 | 1,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9471% | 5,820 |
| Cost of funding earning assets | 2.4264% | 4,597 |
| Net interest margin | 3.5206% | 5,227 |
| Noninterest income to average assets | 0.7435% | 2,820 |
| Noninterest expense to average assets | 2.8879% | 4,491 |
| Loan and lease loss provision to assets | 0.3123% | 3,874 |
| Net operating income to assets | 0.4826% | 4,816 |
| Return on assets (ROA) | 0.7023% | 3,718 |
| Pretax return on assets | 1.0001% | 3,384 |
| Return on Equity (ROE) | 6.8199% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.2399% | 1,409 |
| Net charge-offs to loans | 0.4946% | 2,380 |
| Credit loss provision to net charge-offs | 87.6488% | 5,730 |
| Earnings coverage of net charge-offs (x) | 2.8026% | 4,687 |
| Efficiency ratio | 72.6830% | 3,811 |
| Assets per employee ($millions) | 4.5278% | 2,569 |
| Cash dividends to net income (ytd only)* | 8.5053% | 4,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,380 |
| Loan loss allowance to noncurrent loans | 91.3608% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 4,413 |
| Noncurrent loans to loans | 1.1872% | 4,134 |
| Net loans and leases to total assets | 73.1724% | 3,321 |
| Net loans and leases to deposits | 97.7403% | 2,162 |
| Net loans and leases to core deposits | 106.3151% | 4,159 |
| Total domestic deposits to total assets | 74.8641% | 6,484 |
| Equity capital to assets | 10.3414% | 3,674 |
| Core capital (leverage) ratio | 8.0475% | 6,411 |
| Tier 1 risk-based capital ratio | 11.4686% | 5,266 |
| Total risk-based capital ratio | 12.7894% | 5,098 |
| Memoranda: | ||
| Average total assets | $565,816,800 | 1,191 |
| Average earning assets | $505,107,000 | 1,220 |
| Average equity | $58,270,400 | 1,150 |
| Average total loans | $407,585,800 | 1,183 |