Home > The Bank of Marion > Performance and Condition Ratios
The Bank of Marion, 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 | 4.6487% | 2,787 |
| Cost of funding earning assets | 0.8201% | 3,679 |
| Net interest margin | 3.8286% | 1,518 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 3.0773% | 996 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1498% | 1,784 |
| Return on assets (ROA) | 1.1010% | 1,889 |
| Pretax return on assets | 1.2487% | 2,012 |
| Return on Equity (ROE) | 15.6100% | 1,170 |
| Retained earnings to average equity (ytd only) | 10.1921% | 965 |
| Net charge-offs to loans | 0.0880% | 990 |
| Credit loss provision to net charge-offs | 122.0339% | 1,659 |
| Earnings coverage of net charge-offs (x) | 25.5288% | 1,732 |
| Efficiency ratio | 69.2009% | 1,988 |
| Assets per employee ($millions) | 4.7364% | 3,814 |
| Cash dividends to net income (ytd only)* | 34.6878% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,056 |
| Loan loss allowance to noncurrent loans | 142.3121% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 1,148 |
| Noncurrent loans to loans | 0.7401% | 1,054 |
| Net loans and leases to total assets | 63.8600% | 2,475 |
| Net loans and leases to deposits | 74.2546% | 2,596 |
| Net loans and leases to core deposits | 77.4519% | 2,883 |
| Total domestic deposits to total assets | 86.0100% | 2,014 |
| Equity capital to assets | 7.8264% | 3,523 |
| Core capital (leverage) ratio | 11.0137% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1005% | 777 |
| Memoranda: | ||
| Average total assets | $549,865,000 | 1,616 |
| Average earning assets | $501,065,600 | 1,634 |
| Average equity | $38,794,800 | 1,922 |
| Average total loans | $335,099,200 | 1,665 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 2,804 |
| Cost of funding earning assets | 0.7469% | 3,658 |
| Net interest margin | 3.8011% | 1,591 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.0432% | 1,000 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1292% | 1,970 |
| Return on assets (ROA) | 1.0869% | 2,080 |
| Pretax return on assets | 1.2493% | 2,171 |
| Return on Equity (ROE) | 15.9800% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.4088% | 901 |
| Net charge-offs to loans | 0.0688% | 987 |
| Credit loss provision to net charge-offs | 167.6471% | 1,239 |
| Earnings coverage of net charge-offs (x) | 33.0824% | 1,544 |
| Efficiency ratio | 69.0001% | 1,904 |
| Assets per employee ($millions) | 4.7661% | 3,763 |
| Cash dividends to net income (ytd only)* | 22.3664% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 1,917 |
| Loan loss allowance to noncurrent loans | 156.9652% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 1,102 |
| Noncurrent loans to loans | 0.8210% | 1,004 |
| Net loans and leases to total assets | 62.2700% | 2,623 |
| Net loans and leases to deposits | 72.4878% | 2,683 |
| Net loans and leases to core deposits | 74.6596% | 2,952 |
| Total domestic deposits to total assets | 85.9100% | 2,227 |
| Equity capital to assets | 6.4542% | 3,848 |
| Core capital (leverage) ratio | 10.8649% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3329% | 783 |
| Memoranda: | ||
| Average total assets | $548,435,250 | 1,619 |
| Average earning assets | $499,629,750 | 1,637 |
| Average equity | $37,295,250 | 1,953 |
| Average total loans | $329,455,250 | 1,686 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 2,836 |
| Cost of funding earning assets | 0.6591% | 3,603 |
| Net interest margin | 3.7628% | 1,695 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 2.9975% | 1,049 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1509% | 1,965 |
| Return on assets (ROA) | 1.0874% | 2,150 |
| Pretax return on assets | 1.2502% | 2,225 |
| Return on Equity (ROE) | 15.7300% | 1,318 |
| Retained earnings to average equity (ytd only) | 10.4686% | 1,288 |
| Net charge-offs to loans | 0.0726% | 843 |
| Credit loss provision to net charge-offs | 190.6780% | 1,074 |
| Earnings coverage of net charge-offs (x) | 32.7542% | 1,509 |
| Efficiency ratio | 68.0842% | 1,976 |
| Assets per employee ($millions) | 4.7005% | 3,822 |
| Cash dividends to net income (ytd only)* | 33.4336% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 1,825 |
| Loan loss allowance to noncurrent loans | 172.4961% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 1,125 |
| Noncurrent loans to loans | 0.7670% | 988 |
| Net loans and leases to total assets | 59.7900% | 2,792 |
| Net loans and leases to deposits | 68.5395% | 2,895 |
| Net loans and leases to core deposits | 70.5403% | 3,094 |
| Total domestic deposits to total assets | 87.2400% | 1,851 |
| Equity capital to assets | 7.1300% | 3,723 |
| Core capital (leverage) ratio | 10.6687% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2813% | 787 |
| Memoranda: | ||
| Average total assets | $550,134,000 | 1,606 |
| Average earning assets | $502,230,667 | 1,627 |
| Average equity | $38,037,667 | 1,940 |
| Average total loans | $325,020,000 | 1,686 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,706 |
| Cost of funding earning assets | 0.5813% | 3,437 |
| Net interest margin | 3.7575% | 1,773 |
| Noninterest income to average assets | 0.9600% | 612 |
| Noninterest expense to average assets | 2.9341% | 1,171 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1822% | 1,983 |
| Return on assets (ROA) | 1.0847% | 2,244 |
| Pretax return on assets | 1.2628% | 2,273 |
| Return on Equity (ROE) | 15.9400% | 1,369 |
| Retained earnings to average equity (ytd only) | 15.9357% | 695 |
| Net charge-offs to loans | 0.0424% | 933 |
| Credit loss provision to net charge-offs | 352.9412% | 641 |
| Earnings coverage of net charge-offs (x) | 59.2059% | 1,027 |
| Efficiency ratio | 66.7218% | 2,122 |
| Assets per employee ($millions) | 4.6734% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,783 |
| Loan loss allowance to noncurrent loans | 168.5747% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 1,072 |
| Noncurrent loans to loans | 0.8050% | 956 |
| Net loans and leases to total assets | 58.3400% | 2,838 |
| Net loans and leases to deposits | 66.1131% | 2,925 |
| Net loans and leases to core deposits | 66.7371% | 3,174 |
| Total domestic deposits to total assets | 88.2400% | 1,841 |
| Equity capital to assets | 7.2748% | 3,690 |
| Core capital (leverage) ratio | 10.5504% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4430% | 793 |
| Memoranda: | ||
| Average total assets | $550,222,000 | 1,624 |
| Average earning assets | $503,000,500 | 1,644 |
| Average equity | $37,450,500 | 1,985 |
| Average total loans | $320,905,500 | 1,718 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 1,448 |
| Cost of funding earning assets | 0.1868% | 3,861 |
| Net interest margin | 3.9267% | 904 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.9791% | 995 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.2375% | 1,634 |
| Return on assets (ROA) | 1.2288% | 1,618 |
| Pretax return on assets | 1.3932% | 1,787 |
| Return on Equity (ROE) | 15.9400% | 1,067 |
| Retained earnings to average equity (ytd only) | 10.6134% | 980 |
| Net charge-offs to loans | 0.0846% | 818 |
| Credit loss provision to net charge-offs | 214.5669% | 1,073 |
| Earnings coverage of net charge-offs (x) | 31.7244% | 1,656 |
| Efficiency ratio | 66.4390% | 2,158 |
| Assets per employee ($millions) | 4.6526% | 3,935 |
| Cash dividends to net income (ytd only)* | 33.4347% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,681 |
| Loan loss allowance to noncurrent loans | 139.4038% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 899 |
| Noncurrent loans to loans | 0.9691% | 762 |
| Net loans and leases to total assets | 56.7400% | 2,944 |
| Net loans and leases to deposits | 62.8511% | 3,124 |
| Net loans and leases to core deposits | 63.5078% | 3,291 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 6.3439% | 3,963 |
| Core capital (leverage) ratio | 10.2780% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1182% | 816 |
| Memoranda: | ||
| Average total assets | $535,471,600 | 1,645 |
| Average earning assets | $492,988,200 | 1,649 |
| Average equity | $41,268,600 | 1,878 |
| Average total loans | $300,232,000 | 1,718 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 1,119 |
| Cost of funding earning assets | 0.1319% | 4,018 |
| Net interest margin | 3.9377% | 727 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.9415% | 989 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2667% | 1,464 |
| Return on assets (ROA) | 1.2667% | 1,431 |
| Pretax return on assets | 1.4739% | 1,486 |
| Return on Equity (ROE) | 15.7100% | 1,036 |
| Retained earnings to average equity (ytd only) | 12.2849% | 732 |
| Net charge-offs to loans | 0.0839% | 712 |
| Credit loss provision to net charge-offs | 201.6129% | 975 |
| Earnings coverage of net charge-offs (x) | 33.5699% | 1,465 |
| Efficiency ratio | 65.2280% | 2,382 |
| Assets per employee ($millions) | 4.7874% | 3,851 |
| Cash dividends to net income (ytd only)* | 21.8081% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,775 |
| Loan loss allowance to noncurrent loans | 138.7971% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 943 |
| Noncurrent loans to loans | 0.9778% | 798 |
| Net loans and leases to total assets | 56.4300% | 2,859 |
| Net loans and leases to deposits | 62.4487% | 2,989 |
| Net loans and leases to core deposits | 63.1487% | 3,177 |
| Total domestic deposits to total assets | 90.3700% | 1,492 |
| Equity capital to assets | 6.0524% | 3,946 |
| Core capital (leverage) ratio | 10.2862% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1732% | 837 |
| Memoranda: | ||
| Average total assets | $530,926,000 | 1,672 |
| Average earning assets | $489,341,750 | 1,667 |
| Average equity | $42,805,000 | 1,854 |
| Average total loans | $295,678,250 | 1,733 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 835 |
| Cost of funding earning assets | 0.0985% | 4,205 |
| Net interest margin | 3.9659% | 531 |
| Noninterest income to average assets | 0.8727% | 899 |
| Noninterest expense to average assets | 2.8849% | 1,016 |
| Loan and lease loss provision to assets | 0.0929% | 1,069 |
| Net operating income to assets | 1.3374% | 1,058 |
| Return on assets (ROA) | 1.3374% | 1,036 |
| Pretax return on assets | 1.5592% | 1,028 |
| Return on Equity (ROE) | 15.2862% | 837 |
| Retained earnings to average equity (ytd only) | 10.5201% | 898 |
| Net charge-offs to loans | 0.0701% | 744 |
| Credit loss provision to net charge-offs | 240.1961% | 886 |
| Earnings coverage of net charge-offs (x) | 42.7255% | 1,227 |
| Efficiency ratio | 63.5862% | 2,828 |
| Assets per employee ($millions) | 4.7292% | 3,907 |
| Cash dividends to net income (ytd only)* | 31.1791% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 1,788 |
| Loan loss allowance to noncurrent loans | 124.4085% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 877 |
| Noncurrent loans to loans | 1.1194% | 734 |
| Net loans and leases to total assets | 55.0404% | 2,856 |
| Net loans and leases to deposits | 60.6906% | 3,005 |
| Net loans and leases to core deposits | 61.3375% | 3,174 |
| Total domestic deposits to total assets | 90.6902% | 1,385 |
| Equity capital to assets | 6.9770% | 3,785 |
| Core capital (leverage) ratio | 10.1983% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1773% | 828 |
| Memoranda: | ||
| Average total assets | $527,576,667 | 1,682 |
| Average earning assets | $487,456,000 | 1,681 |
| Average equity | $46,159,333 | 1,794 |
| Average total loans | $291,076,667 | 1,754 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 732 |
| Cost of funding earning assets | 0.0814% | 4,344 |
| Net interest margin | 3.9448% | 454 |
| Noninterest income to average assets | 0.8516% | 924 |
| Noninterest expense to average assets | 2.8434% | 1,075 |
| Loan and lease loss provision to assets | 0.0839% | 982 |
| Net operating income to assets | 1.3592% | 890 |
| Return on assets (ROA) | 1.3599% | 869 |
| Pretax return on assets | 1.5850% | 852 |
| Return on Equity (ROE) | 14.0879% | 820 |
| Retained earnings to average equity (ytd only) | 14.0879% | 372 |
| Net charge-offs to loans | 0.0654% | 673 |
| Credit loss provision to net charge-offs | 234.0426% | 738 |
| Earnings coverage of net charge-offs (x) | 46.5106% | 947 |
| Efficiency ratio | 63.0244% | 3,144 |
| Assets per employee ($millions) | 4.6738% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 1,856 |
| Loan loss allowance to noncurrent loans | 148.2533% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 1,127 |
| Noncurrent loans to loans | 0.9540% | 956 |
| Net loans and leases to total assets | 54.2480% | 2,725 |
| Net loans and leases to deposits | 60.0484% | 2,906 |
| Net loans and leases to core deposits | 60.7482% | 3,083 |
| Total domestic deposits to total assets | 90.3404% | 1,362 |
| Equity capital to assets | 8.6616% | 3,016 |
| Core capital (leverage) ratio | 10.1417% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9642% | 763 |
| Memoranda: | ||
| Average total assets | $524,164,000 | 1,698 |
| Average earning assets | $486,311,500 | 1,694 |
| Average equity | $50,596,500 | 1,723 |
| Average total loans | $287,469,500 | 1,750 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 1,583 |
| Cost of funding earning assets | 0.1163% | 4,262 |
| Net interest margin | 3.7931% | 1,024 |
| Noninterest income to average assets | 0.8252% | 1,392 |
| Noninterest expense to average assets | 2.8579% | 1,235 |
| Loan and lease loss provision to assets | 0.1744% | 657 |
| Net operating income to assets | 1.1520% | 2,098 |
| Return on assets (ROA) | 1.1518% | 2,161 |
| Pretax return on assets | 1.3200% | 2,295 |
| Return on Equity (ROE) | 10.5889% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.3930% | 2,619 |
| Net charge-offs to loans | 0.0871% | 936 |
| Credit loss provision to net charge-offs | 359.4378% | 971 |
| Earnings coverage of net charge-offs (x) | 30.7992% | 1,590 |
| Efficiency ratio | 65.6607% | 2,310 |
| Assets per employee ($millions) | 4.6041% | 4,031 |
| Cash dividends to net income (ytd only)* | 49.0694% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,929 |
| Loan loss allowance to noncurrent loans | 147.9528% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 1,267 |
| Noncurrent loans to loans | 0.9449% | 1,071 |
| Net loans and leases to total assets | 53.8969% | 2,867 |
| Net loans and leases to deposits | 61.1510% | 2,976 |
| Net loans and leases to core deposits | 61.8788% | 3,175 |
| Total domestic deposits to total assets | 88.1374% | 1,969 |
| Equity capital to assets | 10.6414% | 2,054 |
| Core capital (leverage) ratio | 9.8202% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8964% | 770 |
| Memoranda: | ||
| Average total assets | $513,095,400 | 1,669 |
| Average earning assets | $477,151,000 | 1,668 |
| Average equity | $55,813,000 | 1,612 |
| Average total loans | $285,747,800 | 1,763 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 1,693 |
| Cost of funding earning assets | 0.1268% | 4,293 |
| Net interest margin | 3.7986% | 1,121 |
| Noninterest income to average assets | 0.8044% | 1,512 |
| Noninterest expense to average assets | 2.7560% | 1,448 |
| Loan and lease loss provision to assets | 0.1999% | 519 |
| Net operating income to assets | 1.1664% | 2,293 |
| Return on assets (ROA) | 1.1662% | 2,358 |
| Pretax return on assets | 1.3799% | 2,406 |
| Return on Equity (ROE) | 10.6610% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.8825% | 2,881 |
| Net charge-offs to loans | 0.0906% | 795 |
| Credit loss provision to net charge-offs | 394.3299% | 863 |
| Earnings coverage of net charge-offs (x) | 31.1649% | 1,503 |
| Efficiency ratio | 63.5586% | 2,459 |
| Assets per employee ($millions) | 4.4861% | 4,135 |
| Cash dividends to net income (ytd only)* | 44.8229% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,151 |
| Loan loss allowance to noncurrent loans | 132.3134% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 1,318 |
| Noncurrent loans to loans | 1.0333% | 1,101 |
| Net loans and leases to total assets | 54.0853% | 2,963 |
| Net loans and leases to deposits | 62.4230% | 3,000 |
| Net loans and leases to core deposits | 63.1769% | 3,206 |
| Total domestic deposits to total assets | 86.6432% | 2,491 |
| Equity capital to assets | 10.7436% | 2,225 |
| Core capital (leverage) ratio | 9.7997% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8449% | 842 |
| Memoranda: | ||
| Average total assets | $510,152,500 | 1,692 |
| Average earning assets | $474,301,500 | 1,689 |
| Average equity | $55,803,000 | 1,630 |
| Average total loans | $285,460,250 | 1,796 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 1,971 |
| Cost of funding earning assets | 0.1445% | 4,255 |
| Net interest margin | 3.6946% | 1,362 |
| Noninterest income to average assets | 0.7735% | 1,604 |
| Noninterest expense to average assets | 2.7305% | 1,508 |
| Loan and lease loss provision to assets | 0.1940% | 575 |
| Net operating income to assets | 1.0834% | 2,597 |
| Return on assets (ROA) | 1.0834% | 2,671 |
| Pretax return on assets | 1.2806% | 2,681 |
| Return on Equity (ROE) | 9.8440% | 2,805 |
| Retained earnings to average equity (ytd only) | 5.5280% | 2,985 |
| Net charge-offs to loans | 0.0906% | 791 |
| Credit loss provision to net charge-offs | 379.8450% | 781 |
| Earnings coverage of net charge-offs (x) | 28.8760% | 1,329 |
| Efficiency ratio | 64.9346% | 2,308 |
| Assets per employee ($millions) | 4.6071% | 4,009 |
| Cash dividends to net income (ytd only)* | 43.8436% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,466 |
| Loan loss allowance to noncurrent loans | 151.0949% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 1,755 |
| Noncurrent loans to loans | 0.8565% | 1,440 |
| Net loans and leases to total assets | 54.1073% | 3,118 |
| Net loans and leases to deposits | 62.4489% | 3,159 |
| Net loans and leases to core deposits | 63.1909% | 3,364 |
| Total domestic deposits to total assets | 86.6425% | 2,493 |
| Equity capital to assets | 10.6614% | 2,256 |
| Core capital (leverage) ratio | 9.6898% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8276% | 833 |
| Memoranda: | ||
| Average total assets | $505,246,333 | 1,697 |
| Average earning assets | $469,275,333 | 1,700 |
| Average equity | $55,607,333 | 1,624 |
| Average total loans | $284,676,000 | 1,807 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 1,806 |
| Cost of funding earning assets | 0.1740% | 4,129 |
| Net interest margin | 3.7367% | 1,254 |
| Noninterest income to average assets | 0.7325% | 1,766 |
| Noninterest expense to average assets | 2.7929% | 1,384 |
| Loan and lease loss provision to assets | 0.1858% | 660 |
| Net operating income to assets | 1.0378% | 2,677 |
| Return on assets (ROA) | 1.0378% | 2,757 |
| Pretax return on assets | 1.2220% | 2,781 |
| Return on Equity (ROE) | 9.2757% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.1102% | 2,542 |
| Net charge-offs to loans | 0.1003% | 686 |
| Credit loss provision to net charge-offs | 323.9437% | 730 |
| Earnings coverage of net charge-offs (x) | 24.5493% | 1,174 |
| Efficiency ratio | 66.4872% | 2,160 |
| Assets per employee ($millions) | 4.4806% | 4,116 |
| Cash dividends to net income (ytd only)* | 23.3463% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,755 |
| Loan loss allowance to noncurrent loans | 98.5459% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 1,313 |
| Noncurrent loans to loans | 1.2494% | 1,045 |
| Net loans and leases to total assets | 55.8335% | 3,062 |
| Net loans and leases to deposits | 63.3133% | 3,187 |
| Net loans and leases to core deposits | 64.1555% | 3,397 |
| Total domestic deposits to total assets | 88.1860% | 1,745 |
| Equity capital to assets | 10.8081% | 2,001 |
| Core capital (leverage) ratio | 10.1136% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1223% | 774 |
| Memoranda: | ||
| Average total assets | $495,264,500 | 1,715 |
| Average earning assets | $459,659,000 | 1,715 |
| Average equity | $55,413,500 | 1,622 |
| Average total loans | $283,062,500 | 1,813 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,057 |
| Cost of funding earning assets | 0.2448% | 4,403 |
| Net interest margin | 3.9851% | 1,003 |
| Noninterest income to average assets | 0.8420% | 1,410 |
| Noninterest expense to average assets | 3.0383% | 1,353 |
| Loan and lease loss provision to assets | 0.2399% | 1,625 |
| Net operating income to assets | 1.0685% | 2,036 |
| Return on assets (ROA) | 1.0796% | 2,130 |
| Pretax return on assets | 1.2491% | 2,162 |
| Return on Equity (ROE) | 9.0254% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.3623% | 2,614 |
| Net charge-offs to loans | 0.1094% | 1,377 |
| Credit loss provision to net charge-offs | 368.0556% | 1,529 |
| Earnings coverage of net charge-offs (x) | 22.6493% | 1,841 |
| Efficiency ratio | 67.3033% | 2,324 |
| Assets per employee ($millions) | 4.2852% | 4,132 |
| Cash dividends to net income (ytd only)* | 51.6663% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,932 |
| Loan loss allowance to noncurrent loans | 103.5703% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 1,522 |
| Noncurrent loans to loans | 1.1607% | 1,225 |
| Net loans and leases to total assets | 57.1117% | 3,190 |
| Net loans and leases to deposits | 65.3405% | 3,333 |
| Net loans and leases to core deposits | 66.3236% | 3,515 |
| Total domestic deposits to total assets | 87.4063% | 1,742 |
| Equity capital to assets | 11.5866% | 1,821 |
| Core capital (leverage) ratio | 10.0520% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1733% | 755 |
| Memoranda: | ||
| Average total assets | $441,919,200 | 1,732 |
| Average earning assets | $407,239,800 | 1,742 |
| Average equity | $52,862,200 | 1,604 |
| Average total loans | $263,213,800 | 1,855 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 2,317 |
| Cost of funding earning assets | 0.2587% | 4,482 |
| Net interest margin | 3.9682% | 1,187 |
| Noninterest income to average assets | 0.8448% | 1,365 |
| Noninterest expense to average assets | 3.0728% | 1,283 |
| Loan and lease loss provision to assets | 0.2040% | 1,959 |
| Net operating income to assets | 1.0463% | 2,166 |
| Return on assets (ROA) | 1.0615% | 2,238 |
| Pretax return on assets | 1.2361% | 2,273 |
| Return on Equity (ROE) | 8.7962% | 2,477 |
| Retained earnings to average equity (ytd only) | 4.6978% | 2,693 |
| Net charge-offs to loans | 0.1024% | 1,289 |
| Credit loss provision to net charge-offs | 331.6583% | 1,661 |
| Earnings coverage of net charge-offs (x) | 23.1256% | 1,811 |
| Efficiency ratio | 68.3559% | 2,131 |
| Assets per employee ($millions) | 4.4110% | 3,943 |
| Cash dividends to net income (ytd only)* | 46.5929% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,423 |
| Loan loss allowance to noncurrent loans | 134.7749% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 2,243 |
| Noncurrent loans to loans | 0.7847% | 1,857 |
| Net loans and leases to total assets | 58.8835% | 3,335 |
| Net loans and leases to deposits | 70.6979% | 3,247 |
| Net loans and leases to core deposits | 71.9774% | 3,476 |
| Total domestic deposits to total assets | 83.2890% | 3,064 |
| Equity capital to assets | 11.3958% | 2,084 |
| Core capital (leverage) ratio | 10.3605% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8850% | 797 |
| Memoranda: | ||
| Average total assets | $431,342,750 | 1,738 |
| Average earning assets | $396,808,000 | 1,755 |
| Average equity | $52,051,500 | 1,616 |
| Average total loans | $259,038,750 | 1,864 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,207 |
| Cost of funding earning assets | 0.2788% | 4,539 |
| Net interest margin | 4.1228% | 1,071 |
| Noninterest income to average assets | 0.8462% | 1,302 |
| Noninterest expense to average assets | 3.1423% | 1,259 |
| Loan and lease loss provision to assets | 0.2467% | 1,708 |
| Net operating income to assets | 1.0673% | 2,082 |
| Return on assets (ROA) | 1.0910% | 2,121 |
| Pretax return on assets | 1.2690% | 2,135 |
| Return on Equity (ROE) | 8.8482% | 2,422 |
| Retained earnings to average equity (ytd only) | 4.5320% | 2,690 |
| Net charge-offs to loans | 0.1140% | 1,163 |
| Credit loss provision to net charge-offs | 359.1549% | 1,494 |
| Earnings coverage of net charge-offs (x) | 21.6620% | 1,647 |
| Efficiency ratio | 67.8612% | 2,251 |
| Assets per employee ($millions) | 4.0140% | 4,296 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,052 |
| Loan loss allowance to noncurrent loans | 153.7383% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 2,427 |
| Noncurrent loans to loans | 0.7165% | 2,087 |
| Net loans and leases to total assets | 59.1353% | 3,414 |
| Net loans and leases to deposits | 68.5578% | 3,521 |
| Net loans and leases to core deposits | 69.8021% | 3,724 |
| Total domestic deposits to total assets | 86.2562% | 1,908 |
| Equity capital to assets | 11.9839% | 1,673 |
| Core capital (leverage) ratio | 11.0036% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7765% | 696 |
| Memoranda: | ||
| Average total assets | $413,386,333 | 1,770 |
| Average earning assets | $379,454,000 | 1,784 |
| Average equity | $50,970,667 | 1,641 |
| Average total loans | $249,130,333 | 1,906 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 2,273 |
| Cost of funding earning assets | 0.3096% | 4,630 |
| Net interest margin | 4.2057% | 908 |
| Noninterest income to average assets | 0.9218% | 1,023 |
| Noninterest expense to average assets | 3.2391% | 1,339 |
| Loan and lease loss provision to assets | 0.1619% | 1,792 |
| Net operating income to assets | 1.1748% | 1,603 |
| Return on assets (ROA) | 1.1748% | 1,721 |
| Pretax return on assets | 1.3691% | 1,657 |
| Return on Equity (ROE) | 9.3784% | 1,967 |
| Retained earnings to average equity (ytd only) | 5.3395% | 2,141 |
| Net charge-offs to loans | 0.1120% | 1,028 |
| Credit loss provision to net charge-offs | 238.8060% | 1,315 |
| Earnings coverage of net charge-offs (x) | 22.5821% | 1,352 |
| Efficiency ratio | 67.9041% | 2,683 |
| Assets per employee ($millions) | 3.5558% | 4,433 |
| Cash dividends to net income (ytd only)* | 43.0663% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,123 |
| Loan loss allowance to noncurrent loans | 100.7502% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 1,960 |
| Noncurrent loans to loans | 1.1049% | 1,502 |
| Net loans and leases to total assets | 59.9117% | 3,502 |
| Net loans and leases to deposits | 69.2592% | 3,646 |
| Net loans and leases to core deposits | 70.6733% | 3,837 |
| Total domestic deposits to total assets | 86.5036% | 1,779 |
| Equity capital to assets | 12.4639% | 1,754 |
| Core capital (leverage) ratio | 11.9125% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1008% | 732 |
| Memoranda: | ||
| Average total assets | $395,295,000 | 1,785 |
| Average earning assets | $361,703,000 | 1,811 |
| Average equity | $49,518,000 | 1,678 |
| Average total loans | $239,288,000 | 1,931 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 2,506 |
| Cost of funding earning assets | 0.3016% | 4,722 |
| Net interest margin | 4.3364% | 1,018 |
| Noninterest income to average assets | 1.0420% | 883 |
| Noninterest expense to average assets | 3.3558% | 1,193 |
| Loan and lease loss provision to assets | 0.1667% | 1,251 |
| Net operating income to assets | 1.2835% | 1,756 |
| Return on assets (ROA) | 1.2837% | 1,832 |
| Pretax return on assets | 1.4736% | 1,890 |
| Return on Equity (ROE) | 10.5844% | 2,050 |
| Retained earnings to average equity (ytd only) | 4.4644% | 2,722 |
| Net charge-offs to loans | 0.3095% | 667 |
| Credit loss provision to net charge-offs | 87.5513% | 2,683 |
| Earnings coverage of net charge-offs (x) | 8.6142% | 2,752 |
| Efficiency ratio | 67.1723% | 2,590 |
| Assets per employee ($millions) | 3.3823% | 4,577 |
| Cash dividends to net income (ytd only)* | 57.8211% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 2,995 |
| Loan loss allowance to noncurrent loans | 134.7713% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,383 |
| Noncurrent loans to loans | 0.8108% | 1,883 |
| Net loans and leases to total assets | 59.8202% | 3,600 |
| Net loans and leases to deposits | 69.1230% | 3,732 |
| Net loans and leases to core deposits | 70.3810% | 3,942 |
| Total domestic deposits to total assets | 86.5417% | 1,828 |
| Equity capital to assets | 12.5907% | 1,774 |
| Core capital (leverage) ratio | 11.9443% | 1,813 |
| Tier 1 risk-based capital ratio | 20.2268% | 1,294 |
| Total risk-based capital ratio | 21.3561% | 1,284 |
| Memoranda: | ||
| Average total assets | $383,957,800 | 1,789 |
| Average earning assets | $350,084,200 | 1,816 |
| Average equity | $46,568,400 | 1,702 |
| Average total loans | $236,210,800 | 1,916 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 2,566 |
| Cost of funding earning assets | 0.2988% | 4,799 |
| Net interest margin | 4.3515% | 1,048 |
| Noninterest income to average assets | 1.0286% | 880 |
| Noninterest expense to average assets | 3.3882% | 1,119 |
| Loan and lease loss provision to assets | 0.1885% | 952 |
| Net operating income to assets | 1.1914% | 2,227 |
| Return on assets (ROA) | 1.1917% | 2,304 |
| Pretax return on assets | 1.4183% | 2,240 |
| Return on Equity (ROE) | 9.9225% | 2,464 |
| Retained earnings to average equity (ytd only) | 3.3812% | 3,712 |
| Net charge-offs to loans | 0.3701% | 456 |
| Credit loss provision to net charge-offs | 82.4427% | 2,472 |
| Earnings coverage of net charge-offs (x) | 7.0244% | 2,783 |
| Efficiency ratio | 67.8364% | 2,447 |
| Assets per employee ($millions) | 3.3554% | 4,623 |
| Cash dividends to net income (ytd only)* | 65.9246% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,124 |
| Loan loss allowance to noncurrent loans | 171.7246% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,693 |
| Noncurrent loans to loans | 0.6298% | 2,395 |
| Net loans and leases to total assets | 60.8949% | 3,606 |
| Net loans and leases to deposits | 71.6375% | 3,633 |
| Net loans and leases to core deposits | 73.0895% | 3,883 |
| Total domestic deposits to total assets | 85.0042% | 2,424 |
| Equity capital to assets | 12.6372% | 1,820 |
| Core capital (leverage) ratio | 11.9028% | 1,916 |
| Tier 1 risk-based capital ratio | 19.8457% | 1,387 |
| Total risk-based capital ratio | 20.9656% | 1,380 |
| Memoranda: | ||
| Average total assets | $381,861,250 | 1,811 |
| Average earning assets | $348,039,750 | 1,837 |
| Average equity | $45,860,750 | 1,728 |
| Average total loans | $235,940,000 | 1,928 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 2,694 |
| Cost of funding earning assets | 0.2910% | 4,847 |
| Net interest margin | 4.3031% | 1,138 |
| Noninterest income to average assets | 1.0102% | 858 |
| Noninterest expense to average assets | 3.4058% | 1,093 |
| Loan and lease loss provision to assets | 0.1708% | 1,067 |
| Net operating income to assets | 1.1406% | 2,369 |
| Return on assets (ROA) | 1.1411% | 2,442 |
| Pretax return on assets | 1.3586% | 2,353 |
| Return on Equity (ROE) | 9.6718% | 2,548 |
| Retained earnings to average equity (ytd only) | -0.3519% | 4,742 |
| Net charge-offs to loans | 0.4698% | 339 |
| Credit loss provision to net charge-offs | 58.7703% | 2,412 |
| Earnings coverage of net charge-offs (x) | 5.2604% | 2,680 |
| Efficiency ratio | 69.0169% | 2,374 |
| Assets per employee ($millions) | 3.3949% | 4,612 |
| Cash dividends to net income (ytd only)* | 103.6389% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,431 |
| Loan loss allowance to noncurrent loans | 210.3685% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,641 |
| Noncurrent loans to loans | 0.4909% | 2,809 |
| Net loans and leases to total assets | 61.3278% | 3,619 |
| Net loans and leases to deposits | 70.5320% | 3,796 |
| Net loans and leases to core deposits | 72.0626% | 3,998 |
| Total domestic deposits to total assets | 86.9503% | 1,616 |
| Equity capital to assets | 12.0815% | 2,126 |
| Core capital (leverage) ratio | 11.6391% | 2,067 |
| Tier 1 risk-based capital ratio | 19.3522% | 1,471 |
| Total risk-based capital ratio | 20.4251% | 1,477 |
| Memoranda: | ||
| Average total assets | $380,525,670 | 1,824 |
| Average earning assets | $347,048,330 | 1,847 |
| Average equity | $44,893,330 | 1,759 |
| Average total loans | $235,405,670 | 1,940 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 2,695 |
| Cost of funding earning assets | 0.2800% | 4,901 |
| Net interest margin | 4.2701% | 1,151 |
| Noninterest income to average assets | 1.0069% | 795 |
| Noninterest expense to average assets | 3.3923% | 1,121 |
| Loan and lease loss provision to assets | 0.1583% | 1,069 |
| Net operating income to assets | 1.1359% | 2,326 |
| Return on assets (ROA) | 1.1367% | 2,369 |
| Pretax return on assets | 1.3531% | 2,252 |
| Return on Equity (ROE) | 9.7540% | 2,471 |
| Retained earnings to average equity (ytd only) | 2.9615% | 3,748 |
| Net charge-offs to loans | 0.1503% | 874 |
| Credit loss provision to net charge-offs | 170.4545% | 1,149 |
| Earnings coverage of net charge-offs (x) | 16.2614% | 1,704 |
| Efficiency ratio | 69.1927% | 2,475 |
| Assets per employee ($millions) | 3.4298% | 4,625 |
| Cash dividends to net income (ytd only)* | 69.6379% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,768 |
| Loan loss allowance to noncurrent loans | 118.9259% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 2,123 |
| Noncurrent loans to loans | 0.9792% | 1,708 |
| Net loans and leases to total assets | 61.2183% | 3,580 |
| Net loans and leases to deposits | 70.1424% | 3,756 |
| Net loans and leases to core deposits | 71.6889% | 3,970 |
| Total domestic deposits to total assets | 87.2772% | 1,673 |
| Equity capital to assets | 11.8271% | 2,134 |
| Core capital (leverage) ratio | 11.9297% | 1,815 |
| Tier 1 risk-based capital ratio | 19.7246% | 1,391 |
| Total risk-based capital ratio | 20.9366% | 1,380 |
| Memoranda: | ||
| Average total assets | $378,979,000 | 1,843 |
| Average earning assets | $345,756,500 | 1,867 |
| Average equity | $44,166,500 | 1,774 |
| Average total loans | $234,248,500 | 1,964 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 3,145 |
| Cost of funding earning assets | 0.2524% | 4,793 |
| Net interest margin | 4.0395% | 1,855 |
| Noninterest income to average assets | 1.0340% | 881 |
| Noninterest expense to average assets | 3.2469% | 1,438 |
| Loan and lease loss provision to assets | 0.2866% | 566 |
| Net operating income to assets | 1.1741% | 2,291 |
| Return on assets (ROA) | 1.1460% | 2,403 |
| Pretax return on assets | 1.1742% | 2,991 |
| Return on Equity (ROE) | 10.4823% | 2,301 |
| Retained earnings to average equity (ytd only) | 5.7165% | 2,348 |
| Net charge-offs to loans | 0.1312% | 1,437 |
| Credit loss provision to net charge-offs | 378.0069% | 856 |
| Earnings coverage of net charge-offs (x) | 19.6460% | 2,047 |
| Efficiency ratio | 68.5534% | 2,457 |
| Assets per employee ($millions) | 3.3385% | 4,711 |
| Cash dividends to net income (ytd only)* | 45.4649% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,810 |
| Loan loss allowance to noncurrent loans | 104.2735% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 1,871 |
| Noncurrent loans to loans | 1.1062% | 1,467 |
| Net loans and leases to total assets | 60.9686% | 3,669 |
| Net loans and leases to deposits | 69.8112% | 3,842 |
| Net loans and leases to core deposits | 74.2540% | 3,831 |
| Total domestic deposits to total assets | 87.3335% | 1,625 |
| Equity capital to assets | 11.4795% | 2,263 |
| Core capital (leverage) ratio | 11.6204% | 2,009 |
| Tier 1 risk-based capital ratio | 19.6291% | 1,376 |
| Total risk-based capital ratio | 20.8168% | 1,359 |
| Memoranda: | ||
| Average total assets | $383,845,200 | 1,786 |
| Average earning assets | $351,800,200 | 1,801 |
| Average equity | $41,966,000 | 1,784 |
| Average total loans | $221,807,400 | 2,008 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 3,296 |
| Cost of funding earning assets | 0.2468% | 4,805 |
| Net interest margin | 3.9608% | 2,088 |
| Noninterest income to average assets | 1.0217% | 919 |
| Noninterest expense to average assets | 3.1094% | 1,742 |
| Loan and lease loss provision to assets | 0.2231% | 738 |
| Net operating income to assets | 1.0770% | 2,758 |
| Return on assets (ROA) | 1.0680% | 2,807 |
| Pretax return on assets | 1.3133% | 2,565 |
| Return on Equity (ROE) | 9.8899% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.0467% | 2,634 |
| Net charge-offs to loans | 0.1217% | 1,294 |
| Credit loss provision to net charge-offs | 322.5000% | 971 |
| Earnings coverage of net charge-offs (x) | 22.3700% | 1,879 |
| Efficiency ratio | 66.7706% | 2,754 |
| Assets per employee ($millions) | 3.4594% | 4,608 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,691 |
| Loan loss allowance to noncurrent loans | 90.3075% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 2,088 |
| Noncurrent loans to loans | 1.1186% | 1,524 |
| Net loans and leases to total assets | 59.2031% | 3,930 |
| Net loans and leases to deposits | 70.0254% | 3,915 |
| Net loans and leases to core deposits | 73.2209% | 3,997 |
| Total domestic deposits to total assets | 84.5452% | 2,781 |
| Equity capital to assets | 10.7357% | 2,908 |
| Core capital (leverage) ratio | 11.3439% | 2,294 |
| Tier 1 risk-based capital ratio | 19.3836% | 1,456 |
| Total risk-based capital ratio | 20.4092% | 1,469 |
| Memoranda: | ||
| Average total assets | $385,492,750 | 1,784 |
| Average earning assets | $353,789,750 | 1,799 |
| Average equity | $41,630,750 | 1,806 |
| Average total loans | $219,086,500 | 2,042 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 3,354 |
| Cost of funding earning assets | 0.2301% | 4,856 |
| Net interest margin | 3.8974% | 2,206 |
| Noninterest income to average assets | 1.0057% | 948 |
| Noninterest expense to average assets | 3.1120% | 1,755 |
| Loan and lease loss provision to assets | 0.1969% | 873 |
| Net operating income to assets | 1.0381% | 2,860 |
| Return on assets (ROA) | 1.0259% | 2,922 |
| Pretax return on assets | 1.2632% | 2,657 |
| Return on Equity (ROE) | 9.4813% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.7351% | 3,732 |
| Net charge-offs to loans | 0.1039% | 1,318 |
| Credit loss provision to net charge-offs | 339.2857% | 923 |
| Earnings coverage of net charge-offs (x) | 25.4196% | 1,641 |
| Efficiency ratio | 67.8414% | 2,675 |
| Assets per employee ($millions) | 3.5403% | 4,543 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,969 |
| Loan loss allowance to noncurrent loans | 66.7393% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 1,697 |
| Noncurrent loans to loans | 1.4647% | 1,153 |
| Net loans and leases to total assets | 56.2558% | 4,142 |
| Net loans and leases to deposits | 64.6335% | 4,240 |
| Net loans and leases to core deposits | 68.0959% | 4,249 |
| Total domestic deposits to total assets | 87.0382% | 1,824 |
| Equity capital to assets | 10.6373% | 2,985 |
| Core capital (leverage) ratio | 11.0028% | 2,525 |
| Tier 1 risk-based capital ratio | 19.4334% | 1,445 |
| Total risk-based capital ratio | 20.4078% | 1,472 |
| Memoranda: | ||
| Average total assets | $385,993,670 | 1,785 |
| Average earning assets | $354,694,670 | 1,804 |
| Average equity | $41,766,330 | 1,799 |
| Average total loans | $215,564,000 | 2,069 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,426 |
| Cost of funding earning assets | 0.2064% | 4,977 |
| Net interest margin | 3.8419% | 2,251 |
| Noninterest income to average assets | 0.9595% | 1,002 |
| Noninterest expense to average assets | 3.0131% | 2,034 |
| Loan and lease loss provision to assets | 0.1865% | 910 |
| Net operating income to assets | 1.0527% | 2,632 |
| Return on assets (ROA) | 1.0527% | 2,645 |
| Pretax return on assets | 1.2900% | 2,408 |
| Return on Equity (ROE) | 9.6475% | 2,611 |
| Retained earnings to average equity (ytd only) | 9.6475% | 1,271 |
| Net charge-offs to loans | 0.0936% | 1,240 |
| Credit loss provision to net charge-offs | 360.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,272 |
| Efficiency ratio | 67.1129% | 2,983 |
| Assets per employee ($millions) | 3.4995% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,273 |
| Loan loss allowance to noncurrent loans | 145.1846% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,400 |
| Noncurrent loans to loans | 0.6450% | 2,612 |
| Net loans and leases to total assets | 54.6075% | 4,233 |
| Net loans and leases to deposits | 61.7809% | 4,356 |
| Net loans and leases to core deposits | 65.6174% | 4,332 |
| Total domestic deposits to total assets | 88.3890% | 1,414 |
| Equity capital to assets | 10.7126% | 2,858 |
| Core capital (leverage) ratio | 11.2019% | 2,246 |
| Tier 1 risk-based capital ratio | 20.2422% | 1,305 |
| Total risk-based capital ratio | 21.1865% | 1,327 |
| Memoranda: | ||
| Average total assets | $386,042,500 | 1,791 |
| Average earning assets | $354,722,000 | 1,814 |
| Average equity | $42,125,000 | 1,792 |
| Average total loans | $213,730,000 | 2,089 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 3,368 |
| Cost of funding earning assets | 0.2053% | 4,901 |
| Net interest margin | 3.8051% | 2,411 |
| Noninterest income to average assets | 0.9789% | 1,071 |
| Noninterest expense to average assets | 3.0149% | 2,133 |
| Loan and lease loss provision to assets | 0.2514% | 739 |
| Net operating income to assets | 0.8010% | 3,152 |
| Return on assets (ROA) | 0.8024% | 3,189 |
| Pretax return on assets | 1.2103% | 2,734 |
| Return on Equity (ROE) | 7.0951% | 3,218 |
| Retained earnings to average equity (ytd only) | 2.0103% | 4,112 |
| Net charge-offs to loans | 0.1523% | 1,586 |
| Credit loss provision to net charge-offs | 301.2821% | 938 |
| Earnings coverage of net charge-offs (x) | 17.4904% | 2,124 |
| Efficiency ratio | 67.3800% | 3,024 |
| Assets per employee ($millions) | 3.6193% | 4,543 |
| Cash dividends to net income (ytd only)* | 71.6667% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 4,564 |
| Loan loss allowance to noncurrent loans | 90.2744% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,573 |
| Noncurrent loans to loans | 0.9736% | 1,815 |
| Net loans and leases to total assets | 55.1193% | 4,261 |
| Net loans and leases to deposits | 62.5575% | 4,404 |
| Net loans and leases to core deposits | 66.4390% | 4,392 |
| Total domestic deposits to total assets | 88.1098% | 1,435 |
| Equity capital to assets | 11.1139% | 2,524 |
| Core capital (leverage) ratio | 11.0230% | 2,315 |
| Tier 1 risk-based capital ratio | 19.9184% | 1,339 |
| Total risk-based capital ratio | 20.8084% | 1,378 |
| Memoranda: | ||
| Average total assets | $373,870,600 | 1,815 |
| Average earning assets | $343,461,600 | 1,825 |
| Average equity | $42,282,800 | 1,761 |
| Average total loans | $204,855,200 | 2,120 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,394 |
| Cost of funding earning assets | 0.2058% | 4,928 |
| Net interest margin | 3.7832% | 2,466 |
| Noninterest income to average assets | 0.9347% | 1,178 |
| Noninterest expense to average assets | 2.9906% | 2,132 |
| Loan and lease loss provision to assets | 0.3105% | 501 |
| Net operating income to assets | 0.8139% | 3,467 |
| Return on assets (ROA) | 0.8163% | 3,501 |
| Pretax return on assets | 1.1078% | 3,275 |
| Return on Equity (ROE) | 7.1857% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.9467% | 3,572 |
| Net charge-offs to loans | 0.1730% | 1,210 |
| Credit loss provision to net charge-offs | 328.8973% | 912 |
| Earnings coverage of net charge-offs (x) | 14.9885% | 2,262 |
| Efficiency ratio | 67.8807% | 2,891 |
| Assets per employee ($millions) | 3.4938% | 4,743 |
| Cash dividends to net income (ytd only)* | 45.0747% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,601 |
| Loan loss allowance to noncurrent loans | 173.7782% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 3,487 |
| Noncurrent loans to loans | 0.5139% | 3,164 |
| Net loans and leases to total assets | 54.3805% | 4,385 |
| Net loans and leases to deposits | 63.0246% | 4,442 |
| Net loans and leases to core deposits | 65.7659% | 4,496 |
| Total domestic deposits to total assets | 86.2846% | 2,187 |
| Equity capital to assets | 11.4797% | 2,400 |
| Core capital (leverage) ratio | 11.3229% | 2,167 |
| Tier 1 risk-based capital ratio | 20.5739% | 1,267 |
| Total risk-based capital ratio | 21.4717% | 1,291 |
| Memoranda: | ||
| Average total assets | $371,427,250 | 1,833 |
| Average earning assets | $340,759,250 | 1,851 |
| Average equity | $42,194,000 | 1,778 |
| Average total loans | $202,734,750 | 2,146 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,353 |
| Cost of funding earning assets | 0.2084% | 4,901 |
| Net interest margin | 3.7498% | 2,471 |
| Noninterest income to average assets | 0.9176% | 1,220 |
| Noninterest expense to average assets | 2.9854% | 2,155 |
| Loan and lease loss provision to assets | 0.3004% | 512 |
| Net operating income to assets | 0.7825% | 3,478 |
| Return on assets (ROA) | 0.7860% | 3,517 |
| Pretax return on assets | 1.0745% | 3,285 |
| Return on Equity (ROE) | 6.9440% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.5528% | 2,996 |
| Net charge-offs to loans | 0.1699% | 1,147 |
| Credit loss provision to net charge-offs | 324.5614% | 910 |
| Earnings coverage of net charge-offs (x) | 14.8012% | 2,052 |
| Efficiency ratio | 68.5434% | 2,914 |
| Assets per employee ($millions) | 3.4515% | 4,791 |
| Cash dividends to net income (ytd only)* | 34.4353% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 4,925 |
| Loan loss allowance to noncurrent loans | 167.1107% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 3,563 |
| Noncurrent loans to loans | 0.4843% | 3,297 |
| Net loans and leases to total assets | 53.6282% | 4,428 |
| Net loans and leases to deposits | 61.2184% | 4,548 |
| Net loans and leases to core deposits | 64.5745% | 4,562 |
| Total domestic deposits to total assets | 87.6013% | 1,660 |
| Equity capital to assets | 11.6138% | 2,221 |
| Core capital (leverage) ratio | 11.3210% | 2,109 |
| Tier 1 risk-based capital ratio | 21.0433% | 1,168 |
| Total risk-based capital ratio | 21.8596% | 1,227 |
| Memoranda: | ||
| Average total assets | $369,460,330 | 1,851 |
| Average earning assets | $338,741,000 | 1,860 |
| Average equity | $41,820,000 | 1,787 |
| Average total loans | $201,299,000 | 2,155 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,312 |
| Cost of funding earning assets | 0.2079% | 4,904 |
| Net interest margin | 3.7148% | 2,442 |
| Noninterest income to average assets | 0.8733% | 1,326 |
| Noninterest expense to average assets | 3.0222% | 2,106 |
| Loan and lease loss provision to assets | 0.2556% | 574 |
| Net operating income to assets | 0.7185% | 3,623 |
| Return on assets (ROA) | 0.7178% | 3,666 |
| Pretax return on assets | 0.9951% | 3,388 |
| Return on Equity (ROE) | 6.4259% | 3,705 |
| Retained earnings to average equity (ytd only) | 1.5578% | 4,479 |
| Net charge-offs to loans | 0.0974% | 1,389 |
| Credit loss provision to net charge-offs | 479.5918% | 583 |
| Earnings coverage of net charge-offs (x) | 23.4898% | 1,387 |
| Efficiency ratio | 70.7125% | 2,788 |
| Assets per employee ($millions) | 3.5479% | 4,727 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 5,281 |
| Loan loss allowance to noncurrent loans | 604.6414% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,489 |
| Noncurrent loans to loans | 0.1177% | 4,720 |
| Net loans and leases to total assets | 53.1447% | 4,411 |
| Net loans and leases to deposits | 60.6452% | 4,521 |
| Net loans and leases to core deposits | 63.9918% | 4,537 |
| Total domestic deposits to total assets | 87.6322% | 1,924 |
| Equity capital to assets | 10.9729% | 2,656 |
| Core capital (leverage) ratio | 11.2928% | 2,110 |
| Tier 1 risk-based capital ratio | 20.5395% | 1,294 |
| Total risk-based capital ratio | 21.2530% | 1,359 |
| Memoranda: | ||
| Average total assets | $367,808,000 | 1,868 |
| Average earning assets | $336,703,500 | 1,879 |
| Average equity | $41,084,000 | 1,820 |
| Average total loans | $201,179,500 | 2,170 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,330 |
| Cost of funding earning assets | 0.2720% | 4,342 |
| Net interest margin | 3.6929% | 2,724 |
| Noninterest income to average assets | 0.9409% | 1,292 |
| Noninterest expense to average assets | 3.1249% | 1,967 |
| Loan and lease loss provision to assets | 0.3894% | 406 |
| Net operating income to assets | 0.5989% | 4,207 |
| Return on assets (ROA) | 0.6851% | 3,960 |
| Pretax return on assets | 0.9529% | 3,644 |
| Return on Equity (ROE) | 5.8830% | 4,038 |
| Retained earnings to average equity (ytd only) | 1.0462% | 4,898 |
| Net charge-offs to loans | 1.5000% | 93 |
| Credit loss provision to net charge-offs | 45.3221% | 3,435 |
| Earnings coverage of net charge-offs (x) | 1.4231% | 3,986 |
| Efficiency ratio | 71.8764% | 2,603 |
| Assets per employee ($millions) | 3.3919% | 4,912 |
| Cash dividends to net income (ytd only)* | 82.2168% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 5,495 |
| Loan loss allowance to noncurrent loans | 95.2636% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 3,288 |
| Noncurrent loans to loans | 0.6510% | 2,907 |
| Net loans and leases to total assets | 55.5750% | 4,304 |
| Net loans and leases to deposits | 63.1743% | 4,463 |
| Net loans and leases to core deposits | 66.8833% | 4,473 |
| Total domestic deposits to total assets | 87.9708% | 1,645 |
| Equity capital to assets | 11.3761% | 2,264 |
| Core capital (leverage) ratio | 11.4467% | 1,973 |
| Tier 1 risk-based capital ratio | 21.1022% | 1,192 |
| Total risk-based capital ratio | 21.7425% | 1,259 |
| Memoranda: | ||
| Average total assets | $359,533,400 | 1,855 |
| Average earning assets | $331,661,800 | 1,865 |
| Average equity | $41,866,600 | 1,772 |
| Average total loans | $205,939,800 | 2,072 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,287 |
| Cost of funding earning assets | 0.2885% | 4,222 |
| Net interest margin | 3.6964% | 2,729 |
| Noninterest income to average assets | 0.9371% | 1,285 |
| Noninterest expense to average assets | 3.0977% | 2,032 |
| Loan and lease loss provision to assets | 0.1669% | 1,365 |
| Net operating income to assets | 0.7888% | 3,417 |
| Return on assets (ROA) | 0.8018% | 3,501 |
| Pretax return on assets | 1.1014% | 3,229 |
| Return on Equity (ROE) | 6.8457% | 3,643 |
| Retained earnings to average equity (ytd only) | 2.0961% | 4,645 |
| Net charge-offs to loans | 0.1963% | 1,194 |
| Credit loss provision to net charge-offs | 147.5410% | 1,791 |
| Earnings coverage of net charge-offs (x) | 11.0556% | 2,531 |
| Efficiency ratio | 71.2409% | 2,692 |
| Assets per employee ($millions) | 3.3235% | 5,018 |
| Cash dividends to net income (ytd only)* | 69.3803% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 1,801 |
| Loan loss allowance to noncurrent loans | 34.1612% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.5926% | 517 |
| Noncurrent loans to loans | 4.3606% | 229 |
| Net loans and leases to total assets | 56.2440% | 4,283 |
| Net loans and leases to deposits | 66.8773% | 4,256 |
| Net loans and leases to core deposits | 69.7467% | 4,344 |
| Total domestic deposits to total assets | 84.1003% | 3,188 |
| Equity capital to assets | 11.9285% | 2,166 |
| Core capital (leverage) ratio | 11.5691% | 1,977 |
| Tier 1 risk-based capital ratio | 20.8306% | 1,302 |
| Total risk-based capital ratio | 22.0834% | 1,278 |
| Memoranda: | ||
| Average total assets | $359,531,000 | 1,860 |
| Average earning assets | $331,777,250 | 1,867 |
| Average equity | $42,107,750 | 1,764 |
| Average total loans | $207,159,000 | 2,073 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,241 |
| Cost of funding earning assets | 0.3078% | 4,040 |
| Net interest margin | 3.6938% | 2,716 |
| Noninterest income to average assets | 0.9308% | 1,290 |
| Noninterest expense to average assets | 3.0974% | 2,071 |
| Loan and lease loss provision to assets | 0.2063% | 1,040 |
| Net operating income to assets | 0.7640% | 3,486 |
| Return on assets (ROA) | 0.7640% | 3,623 |
| Pretax return on assets | 1.0468% | 3,408 |
| Return on Equity (ROE) | 6.5645% | 3,770 |
| Retained earnings to average equity (ytd only) | -0.6229% | 5,384 |
| Net charge-offs to loans | 0.0955% | 1,887 |
| Credit loss provision to net charge-offs | 373.7374% | 818 |
| Earnings coverage of net charge-offs (x) | 22.6970% | 1,617 |
| Efficiency ratio | 71.1960% | 2,788 |
| Assets per employee ($millions) | 3.2510% | 5,136 |
| Cash dividends to net income (ytd only)* | 109.4891% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,655 |
| Loan loss allowance to noncurrent loans | 85.0212% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,830 |
| Noncurrent loans to loans | 1.8315% | 1,120 |
| Net loans and leases to total assets | 56.6951% | 4,235 |
| Net loans and leases to deposits | 66.4675% | 4,311 |
| Net loans and leases to core deposits | 70.2368% | 4,308 |
| Total domestic deposits to total assets | 85.2975% | 2,737 |
| Equity capital to assets | 11.8024% | 2,267 |
| Core capital (leverage) ratio | 11.4283% | 2,045 |
| Tier 1 risk-based capital ratio | 20.1155% | 1,439 |
| Total risk-based capital ratio | 21.3688% | 1,403 |
| Memoranda: | ||
| Average total assets | $358,621,670 | 1,869 |
| Average earning assets | $332,012,000 | 1,870 |
| Average equity | $41,739,670 | 1,778 |
| Average total loans | $207,268,670 | 2,077 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,328 |
| Cost of funding earning assets | 0.3140% | 4,016 |
| Net interest margin | 3.6569% | 2,863 |
| Noninterest income to average assets | 0.8866% | 1,348 |
| Noninterest expense to average assets | 2.9895% | 2,424 |
| Loan and lease loss provision to assets | 0.3341% | 448 |
| Net operating income to assets | 0.7047% | 3,686 |
| Return on assets (ROA) | 0.7039% | 3,808 |
| Pretax return on assets | 0.9601% | 3,621 |
| Return on Equity (ROE) | 6.0907% | 3,944 |
| Retained earnings to average equity (ytd only) | 1.2721% | 4,746 |
| Net charge-offs to loans | 0.0673% | 1,814 |
| Credit loss provision to net charge-offs | 857.1429% | 415 |
| Earnings coverage of net charge-offs (x) | 33.2286% | 1,121 |
| Efficiency ratio | 69.7687% | 3,174 |
| Assets per employee ($millions) | 3.2945% | 5,139 |
| Cash dividends to net income (ytd only)* | 79.1139% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,827 |
| Loan loss allowance to noncurrent loans | 72.2900% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,608 |
| Noncurrent loans to loans | 2.1302% | 981 |
| Net loans and leases to total assets | 57.5216% | 4,093 |
| Net loans and leases to deposits | 66.8773% | 4,169 |
| Net loans and leases to core deposits | 70.9803% | 4,159 |
| Total domestic deposits to total assets | 86.0107% | 2,665 |
| Equity capital to assets | 11.8072% | 2,150 |
| Core capital (leverage) ratio | 11.4272% | 2,026 |
| Tier 1 risk-based capital ratio | 20.0051% | 1,498 |
| Total risk-based capital ratio | 21.2582% | 1,470 |
| Memoranda: | ||
| Average total assets | $359,126,000 | 1,867 |
| Average earning assets | $333,728,500 | 1,862 |
| Average equity | $41,506,000 | 1,780 |
| Average total loans | $207,925,000 | 2,073 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,638 |
| Cost of funding earning assets | 0.3618% | 3,560 |
| Net interest margin | 3.5591% | 3,289 |
| Noninterest income to average assets | 0.8143% | 1,728 |
| Noninterest expense to average assets | 3.0025% | 2,534 |
| Loan and lease loss provision to assets | 0.1013% | 2,296 |
| Net operating income to assets | 0.7243% | 3,694 |
| Return on assets (ROA) | 0.7696% | 3,552 |
| Pretax return on assets | 1.0590% | 3,229 |
| Return on Equity (ROE) | 6.7788% | 3,629 |
| Retained earnings to average equity (ytd only) | 1.8914% | 4,648 |
| Net charge-offs to loans | 0.4024% | 709 |
| Credit loss provision to net charge-offs | 44.7304% | 3,475 |
| Earnings coverage of net charge-offs (x) | 4.8505% | 3,478 |
| Efficiency ratio | 73.2206% | 2,708 |
| Assets per employee ($millions) | 3.4193% | 4,951 |
| Cash dividends to net income (ytd only)* | 72.0981% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 2,370 |
| Loan loss allowance to noncurrent loans | 70.2560% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 1,714 |
| Noncurrent loans to loans | 2.0093% | 1,034 |
| Net loans and leases to total assets | 56.5733% | 4,246 |
| Net loans and leases to deposits | 66.8426% | 4,235 |
| Net loans and leases to core deposits | 70.3087% | 4,284 |
| Total domestic deposits to total assets | 84.6366% | 3,240 |
| Equity capital to assets | 11.3123% | 2,528 |
| Core capital (leverage) ratio | 11.3996% | 2,046 |
| Tier 1 risk-based capital ratio | 19.8783% | 1,502 |
| Total risk-based capital ratio | 21.1300% | 1,477 |
| Memoranda: | ||
| Average total assets | $360,431,400 | 1,825 |
| Average earning assets | $332,812,200 | 1,822 |
| Average equity | $40,921,800 | 1,762 |
| Average total loans | $202,793,200 | 2,050 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,638 |
| Cost of funding earning assets | 0.3723% | 3,518 |
| Net interest margin | 3.5568% | 3,314 |
| Noninterest income to average assets | 0.7809% | 1,880 |
| Noninterest expense to average assets | 2.9609% | 2,631 |
| Loan and lease loss provision to assets | 0.1074% | 2,085 |
| Net operating income to assets | 0.7666% | 3,605 |
| Return on assets (ROA) | 0.8305% | 3,364 |
| Pretax return on assets | 1.0761% | 3,315 |
| Return on Equity (ROE) | 7.3083% | 3,463 |
| Retained earnings to average equity (ytd only) | 2.4187% | 4,663 |
| Net charge-offs to loans | 0.4751% | 520 |
| Credit loss provision to net charge-offs | 40.3900% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.1379% | 3,394 |
| Efficiency ratio | 72.9022% | 2,735 |
| Assets per employee ($millions) | 3.2085% | 5,270 |
| Cash dividends to net income (ytd only)* | 66.9045% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 2,397 |
| Loan loss allowance to noncurrent loans | 71.5253% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1900% | 1,984 |
| Noncurrent loans to loans | 2.0171% | 1,144 |
| Net loans and leases to total assets | 56.7557% | 4,270 |
| Net loans and leases to deposits | 68.9013% | 4,102 |
| Net loans and leases to core deposits | 72.2507% | 4,168 |
| Total domestic deposits to total assets | 82.3724% | 4,038 |
| Equity capital to assets | 11.6233% | 2,399 |
| Core capital (leverage) ratio | 11.2825% | 2,212 |
| Tier 1 risk-based capital ratio | 19.9446% | 1,567 |
| Total risk-based capital ratio | 21.1966% | 1,523 |
| Memoranda: | ||
| Average total assets | $359,928,000 | 1,831 |
| Average earning assets | $331,978,250 | 1,839 |
| Average equity | $40,902,000 | 1,778 |
| Average total loans | $201,495,750 | 2,072 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,783 |
| Cost of funding earning assets | 0.3779% | 3,521 |
| Net interest margin | 3.5004% | 3,493 |
| Noninterest income to average assets | 0.7475% | 2,005 |
| Noninterest expense to average assets | 2.8445% | 3,083 |
| Loan and lease loss provision to assets | 0.0941% | 2,244 |
| Net operating income to assets | 0.8009% | 3,381 |
| Return on assets (ROA) | 0.8478% | 3,238 |
| Pretax return on assets | 1.0958% | 3,191 |
| Return on Equity (ROE) | 7.5164% | 3,312 |
| Retained earnings to average equity (ytd only) | 0.1522% | 5,455 |
| Net charge-offs to loans | 0.6331% | 367 |
| Credit loss provision to net charge-offs | 26.8139% | 2,952 |
| Earnings coverage of net charge-offs (x) | 3.2161% | 3,219 |
| Efficiency ratio | 71.5858% | 3,058 |
| Assets per employee ($millions) | 3.3394% | 5,090 |
| Cash dividends to net income (ytd only)* | 97.9752% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,498 |
| Loan loss allowance to noncurrent loans | 76.6789% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 1,485 |
| Noncurrent loans to loans | 1.8946% | 1,313 |
| Net loans and leases to total assets | 53.9794% | 4,560 |
| Net loans and leases to deposits | 66.7816% | 4,256 |
| Net loans and leases to core deposits | 70.5173% | 4,277 |
| Total domestic deposits to total assets | 80.8297% | 4,659 |
| Equity capital to assets | 10.9651% | 2,919 |
| Core capital (leverage) ratio | 10.9832% | 2,439 |
| Tier 1 risk-based capital ratio | 19.9186% | 1,569 |
| Total risk-based capital ratio | 21.1702% | 1,524 |
| Memoranda: | ||
| Average total assets | $361,188,670 | 1,835 |
| Average earning assets | $332,880,670 | 1,849 |
| Average equity | $40,737,330 | 1,793 |
| Average total loans | $200,297,000 | 2,083 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 3,669 |
| Cost of funding earning assets | 0.3820% | 3,507 |
| Net interest margin | 3.5066% | 3,413 |
| Noninterest income to average assets | 0.7573% | 1,875 |
| Noninterest expense to average assets | 2.6874% | 3,634 |
| Loan and lease loss provision to assets | 0.1340% | 1,543 |
| Net operating income to assets | 0.9128% | 2,688 |
| Return on assets (ROA) | 1.0086% | 2,364 |
| Pretax return on assets | 1.2990% | 2,291 |
| Return on Equity (ROE) | 8.8169% | 2,538 |
| Retained earnings to average equity (ytd only) | 3.9349% | 3,635 |
| Net charge-offs to loans | 0.0460% | 2,339 |
| Credit loss provision to net charge-offs | 521.7391% | 524 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 826 |
| Efficiency ratio | 67.2255% | 3,950 |
| Assets per employee ($millions) | 3.2734% | 5,287 |
| Cash dividends to net income (ytd only)* | 55.3710% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 1,615 |
| Loan loss allowance to noncurrent loans | 70.1571% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 1,304 |
| Noncurrent loans to loans | 2.4919% | 974 |
| Net loans and leases to total assets | 54.3767% | 4,395 |
| Net loans and leases to deposits | 65.0692% | 4,259 |
| Net loans and leases to core deposits | 69.3401% | 4,218 |
| Total domestic deposits to total assets | 83.5675% | 3,986 |
| Equity capital to assets | 11.5202% | 2,447 |
| Core capital (leverage) ratio | 11.3358% | 2,127 |
| Tier 1 risk-based capital ratio | 20.6697% | 1,486 |
| Total risk-based capital ratio | 21.9258% | 1,452 |
| Memoranda: | ||
| Average total assets | $358,118,500 | 1,853 |
| Average earning assets | $330,914,500 | 1,862 |
| Average equity | $40,967,000 | 1,795 |
| Average total loans | $199,843,000 | 2,088 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 4,040 |
| Cost of funding earning assets | 0.4345% | 3,337 |
| Net interest margin | 3.4901% | 3,835 |
| Noninterest income to average assets | 0.8132% | 1,815 |
| Noninterest expense to average assets | 2.7483% | 3,682 |
| Loan and lease loss provision to assets | 0.2401% | 985 |
| Net operating income to assets | 0.7493% | 3,635 |
| Return on assets (ROA) | 0.8082% | 3,422 |
| Pretax return on assets | 1.1165% | 3,024 |
| Return on Equity (ROE) | 7.3453% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.8998% | 3,439 |
| Net charge-offs to loans | 0.1886% | 2,164 |
| Credit loss provision to net charge-offs | 230.4582% | 1,095 |
| Earnings coverage of net charge-offs (x) | 12.2372% | 2,400 |
| Efficiency ratio | 68.3116% | 3,846 |
| Assets per employee ($millions) | 3.2978% | 5,260 |
| Cash dividends to net income (ytd only)* | 46.9076% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,799 |
| Loan loss allowance to noncurrent loans | 61.5706% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.0572% | 1,213 |
| Noncurrent loans to loans | 2.7450% | 881 |
| Net loans and leases to total assets | 55.3170% | 4,405 |
| Net loans and leases to deposits | 66.0981% | 4,313 |
| Net loans and leases to core deposits | 70.4723% | 4,284 |
| Total domestic deposits to total assets | 83.6893% | 3,848 |
| Equity capital to assets | 11.3579% | 2,550 |
| Core capital (leverage) ratio | 11.1267% | 2,284 |
| Tier 1 risk-based capital ratio | 20.0734% | 1,591 |
| Total risk-based capital ratio | 21.3297% | 1,554 |
| Memoranda: | ||
| Average total assets | $356,106,600 | 1,832 |
| Average earning assets | $327,525,200 | 1,838 |
| Average equity | $39,181,600 | 1,807 |
| Average total loans | $196,672,400 | 2,061 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 4,085 |
| Cost of funding earning assets | 0.4437% | 3,326 |
| Net interest margin | 3.4787% | 3,904 |
| Noninterest income to average assets | 0.7964% | 1,908 |
| Noninterest expense to average assets | 2.7078% | 3,800 |
| Loan and lease loss provision to assets | 0.1329% | 1,884 |
| Net operating income to assets | 0.8841% | 2,994 |
| Return on assets (ROA) | 0.9372% | 2,834 |
| Pretax return on assets | 1.2214% | 2,699 |
| Return on Equity (ROE) | 8.5870% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.4994% | 2,747 |
| Net charge-offs to loans | 0.1962% | 1,904 |
| Credit loss provision to net charge-offs | 123.2639% | 1,870 |
| Earnings coverage of net charge-offs (x) | 11.9202% | 2,363 |
| Efficiency ratio | 67.8106% | 3,893 |
| Assets per employee ($millions) | 3.2294% | 5,372 |
| Cash dividends to net income (ytd only)* | 35.9569% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,732 |
| Loan loss allowance to noncurrent loans | 51.2776% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1366% | 1,305 |
| Noncurrent loans to loans | 2.9189% | 926 |
| Net loans and leases to total assets | 54.5284% | 4,515 |
| Net loans and leases to deposits | 67.5383% | 4,179 |
| Net loans and leases to core deposits | 71.0634% | 4,241 |
| Total domestic deposits to total assets | 80.7370% | 4,906 |
| Equity capital to assets | 11.1946% | 2,764 |
| Core capital (leverage) ratio | 11.0563% | 2,432 |
| Tier 1 risk-based capital ratio | 20.0887% | 1,652 |
| Total risk-based capital ratio | 21.3422% | 1,619 |
| Memoranda: | ||
| Average total assets | $356,093,750 | 1,846 |
| Average earning assets | $327,242,500 | 1,842 |
| Average equity | $38,864,000 | 1,829 |
| Average total loans | $195,739,750 | 2,085 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 4,105 |
| Cost of funding earning assets | 0.4462% | 3,371 |
| Net interest margin | 3.4637% | 3,922 |
| Noninterest income to average assets | 0.8021% | 1,831 |
| Noninterest expense to average assets | 2.7103% | 3,820 |
| Loan and lease loss provision to assets | 0.1154% | 2,112 |
| Net operating income to assets | 0.9023% | 2,784 |
| Return on assets (ROA) | 0.9305% | 2,756 |
| Pretax return on assets | 1.2074% | 2,640 |
| Return on Equity (ROE) | 8.5998% | 2,787 |
| Retained earnings to average equity (ytd only) | 3.9175% | 3,690 |
| Net charge-offs to loans | 0.2227% | 1,701 |
| Credit loss provision to net charge-offs | 94.4700% | 2,104 |
| Earnings coverage of net charge-offs (x) | 10.5300% | 2,241 |
| Efficiency ratio | 67.8169% | 4,039 |
| Assets per employee ($millions) | 3.2167% | 5,400 |
| Cash dividends to net income (ytd only)* | 54.4465% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 3,033 |
| Loan loss allowance to noncurrent loans | 72.7479% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 2,007 |
| Noncurrent loans to loans | 2.0197% | 1,676 |
| Net loans and leases to total assets | 54.2976% | 4,502 |
| Net loans and leases to deposits | 66.7549% | 4,195 |
| Net loans and leases to core deposits | 70.6712% | 4,196 |
| Total domestic deposits to total assets | 81.3388% | 4,863 |
| Equity capital to assets | 10.9795% | 2,897 |
| Core capital (leverage) ratio | 10.8362% | 2,591 |
| Tier 1 risk-based capital ratio | 19.7529% | 1,746 |
| Total risk-based capital ratio | 21.0055% | 1,709 |
| Memoranda: | ||
| Average total assets | $355,305,330 | 1,846 |
| Average earning assets | $327,683,330 | 1,834 |
| Average equity | $38,442,670 | 1,840 |
| Average total loans | $194,842,330 | 2,090 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 4,018 |
| Cost of funding earning assets | 0.4465% | 3,466 |
| Net interest margin | 3.4702% | 3,823 |
| Noninterest income to average assets | 0.7595% | 1,915 |
| Noninterest expense to average assets | 2.6713% | 4,035 |
| Loan and lease loss provision to assets | 0.0903% | 2,410 |
| Net operating income to assets | 0.9108% | 2,602 |
| Return on assets (ROA) | 0.9108% | 2,671 |
| Pretax return on assets | 1.1906% | 2,523 |
| Return on Equity (ROE) | 8.4808% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.4808% | 1,424 |
| Net charge-offs to loans | 0.1547% | 1,791 |
| Credit loss provision to net charge-offs | 106.6667% | 1,574 |
| Earnings coverage of net charge-offs (x) | 15.1333% | 1,562 |
| Efficiency ratio | 67.5899% | 4,255 |
| Assets per employee ($millions) | 3.2706% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,142 |
| Loan loss allowance to noncurrent loans | 90.7332% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 2,492 |
| Noncurrent loans to loans | 1.6526% | 2,350 |
| Net loans and leases to total assets | 53.5840% | 4,474 |
| Net loans and leases to deposits | 63.9242% | 4,322 |
| Net loans and leases to core deposits | 68.6445% | 4,243 |
| Total domestic deposits to total assets | 83.8243% | 4,333 |
| Equity capital to assets | 10.8643% | 2,859 |
| Core capital (leverage) ratio | 10.9638% | 2,421 |
| Tier 1 risk-based capital ratio | 19.8713% | 1,754 |
| Total risk-based capital ratio | 21.1246% | 1,714 |
| Memoranda: | ||
| Average total assets | $354,430,000 | 1,855 |
| Average earning assets | $326,088,500 | 1,848 |
| Average equity | $38,062,500 | 1,849 |
| Average total loans | $193,881,500 | 2,106 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 4,082 |
| Cost of funding earning assets | 0.5431% | 3,171 |
| Net interest margin | 3.4570% | 4,067 |
| Noninterest income to average assets | 0.7613% | 2,251 |
| Noninterest expense to average assets | 2.7924% | 3,752 |
| Loan and lease loss provision to assets | 0.1364% | 2,601 |
| Net operating income to assets | 0.7406% | 3,607 |
| Return on assets (ROA) | 0.7699% | 3,537 |
| Pretax return on assets | 1.0490% | 3,157 |
| Return on Equity (ROE) | 7.0775% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.3275% | 4,594 |
| Net charge-offs to loans | 0.5624% | 1,168 |
| Credit loss provision to net charge-offs | 43.1426% | 3,974 |
| Earnings coverage of net charge-offs (x) | 3.6231% | 3,805 |
| Efficiency ratio | 69.3351% | 3,949 |
| Assets per employee ($millions) | 3.1744% | 5,543 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,207 |
| Loan loss allowance to noncurrent loans | 74.9355% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.6318% | 2,269 |
| Noncurrent loans to loans | 1.9987% | 1,994 |
| Net loans and leases to total assets | 54.1846% | 4,560 |
| Net loans and leases to deposits | 64.5627% | 4,455 |
| Net loans and leases to core deposits | 69.0677% | 4,387 |
| Total domestic deposits to total assets | 83.9256% | 4,193 |
| Equity capital to assets | 10.6124% | 3,034 |
| Core capital (leverage) ratio | 10.7766% | 2,595 |
| Tier 1 risk-based capital ratio | 19.5707% | 1,762 |
| Total risk-based capital ratio | 20.8237% | 1,728 |
| Memoranda: | ||
| Average total assets | $348,343,400 | 1,855 |
| Average earning assets | $320,043,000 | 1,859 |
| Average equity | $37,895,000 | 1,834 |
| Average total loans | $195,758,400 | 2,041 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 4,129 |
| Cost of funding earning assets | 0.5666% | 3,112 |
| Net interest margin | 3.4355% | 4,145 |
| Noninterest income to average assets | 0.7439% | 2,393 |
| Noninterest expense to average assets | 2.8056% | 3,642 |
| Loan and lease loss provision to assets | 0.0960% | 3,158 |
| Net operating income to assets | 0.7668% | 3,526 |
| Return on assets (ROA) | 0.7973% | 3,492 |
| Pretax return on assets | 1.0380% | 3,348 |
| Return on Equity (ROE) | 7.2836% | 3,497 |
| Retained earnings to average equity (ytd only) | 2.3741% | 4,909 |
| Net charge-offs to loans | 0.4342% | 1,478 |
| Credit loss provision to net charge-offs | 39.1236% | 3,719 |
| Earnings coverage of net charge-offs (x) | 4.4617% | 3,434 |
| Efficiency ratio | 69.8031% | 3,786 |
| Assets per employee ($millions) | 3.2236% | 5,445 |
| Cash dividends to net income (ytd only)* | 67.4050% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 2,886 |
| Loan loss allowance to noncurrent loans | 72.3502% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 2,268 |
| Noncurrent loans to loans | 2.2529% | 1,951 |
| Net loans and leases to total assets | 55.4575% | 4,401 |
| Net loans and leases to deposits | 66.2753% | 4,268 |
| Net loans and leases to core deposits | 69.5872% | 4,365 |
| Total domestic deposits to total assets | 83.6774% | 4,320 |
| Equity capital to assets | 11.0106% | 2,749 |
| Core capital (leverage) ratio | 10.7137% | 2,772 |
| Tier 1 risk-based capital ratio | 19.2695% | 1,916 |
| Total risk-based capital ratio | 20.5245% | 1,878 |
| Memoranda: | ||
| Average total assets | $347,338,750 | 1,871 |
| Average earning assets | $319,092,750 | 1,876 |
| Average equity | $38,020,250 | 1,838 |
| Average total loans | $196,240,750 | 2,038 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 4,138 |
| Cost of funding earning assets | 0.5922% | 3,011 |
| Net interest margin | 3.4005% | 4,182 |
| Noninterest income to average assets | 0.7319% | 2,492 |
| Noninterest expense to average assets | 2.7456% | 3,871 |
| Loan and lease loss provision to assets | 0.0859% | 3,368 |
| Net operating income to assets | 0.8031% | 3,283 |
| Return on assets (ROA) | 0.8258% | 3,324 |
| Pretax return on assets | 1.0572% | 3,269 |
| Return on Equity (ROE) | 7.5591% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.8412% | 4,506 |
| Net charge-offs to loans | 0.0496% | 3,982 |
| Credit loss provision to net charge-offs | 306.1224% | 841 |
| Earnings coverage of net charge-offs (x) | 39.6939% | 932 |
| Efficiency ratio | 68.5265% | 4,092 |
| Assets per employee ($millions) | 3.2890% | 5,292 |
| Cash dividends to net income (ytd only)* | 62.4133% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 2,300 |
| Loan loss allowance to noncurrent loans | 67.5349% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6441% | 2,639 |
| Noncurrent loans to loans | 2.7219% | 1,675 |
| Net loans and leases to total assets | 55.0811% | 4,436 |
| Net loans and leases to deposits | 64.6471% | 4,416 |
| Net loans and leases to core deposits | 68.3665% | 4,460 |
| Total domestic deposits to total assets | 85.2027% | 3,797 |
| Equity capital to assets | 10.6381% | 3,134 |
| Core capital (leverage) ratio | 10.4887% | 2,885 |
| Tier 1 risk-based capital ratio | 18.9806% | 1,998 |
| Total risk-based capital ratio | 20.2383% | 1,960 |
| Memoranda: | ||
| Average total assets | $349,219,000 | 1,870 |
| Average earning assets | $321,189,330 | 1,867 |
| Average equity | $38,152,670 | 1,837 |
| Average total loans | $197,442,000 | 2,029 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 4,054 |
| Cost of funding earning assets | 0.6149% | 2,969 |
| Net interest margin | 3.4006% | 4,115 |
| Noninterest income to average assets | 0.6957% | 2,612 |
| Noninterest expense to average assets | 2.7470% | 3,888 |
| Loan and lease loss provision to assets | 0.0862% | 3,221 |
| Net operating income to assets | 0.7704% | 3,329 |
| Return on assets (ROA) | 0.7704% | 3,469 |
| Pretax return on assets | 1.0038% | 3,332 |
| Return on Equity (ROE) | 6.9592% | 3,511 |
| Retained earnings to average equity (ytd only) | 1.7658% | 5,104 |
| Net charge-offs to loans | 0.0182% | 3,792 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 362 |
| Efficiency ratio | 68.9542% | 4,152 |
| Assets per employee ($millions) | 3.2661% | 5,511 |
| Cash dividends to net income (ytd only)* | 74.6269% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 2,502 |
| Loan loss allowance to noncurrent loans | 47.4525% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,038 |
| Noncurrent loans to loans | 3.8678% | 1,185 |
| Net loans and leases to total assets | 55.0194% | 4,237 |
| Net loans and leases to deposits | 63.8008% | 4,339 |
| Net loans and leases to core deposits | 68.1531% | 4,284 |
| Total domestic deposits to total assets | 86.2362% | 3,394 |
| Equity capital to assets | 11.0360% | 2,921 |
| Core capital (leverage) ratio | 10.5233% | 2,745 |
| Tier 1 risk-based capital ratio | 19.0293% | 2,035 |
| Total risk-based capital ratio | 20.2863% | 2,006 |
| Memoranda: | ||
| Average total assets | $347,867,000 | 1,904 |
| Average earning assets | $321,359,500 | 1,884 |
| Average equity | $38,510,000 | 1,848 |
| Average total loans | $197,426,500 | 2,047 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 4,977 |
| Cost of funding earning assets | 0.7155% | 3,363 |
| Net interest margin | 3.3769% | 4,970 |
| Noninterest income to average assets | 0.6810% | 2,831 |
| Noninterest expense to average assets | 2.7404% | 4,247 |
| Loan and lease loss provision to assets | 0.1324% | 3,966 |
| Net operating income to assets | 0.6751% | 3,856 |
| Return on assets (ROA) | 0.6742% | 4,134 |
| Pretax return on assets | 0.9006% | 3,917 |
| Return on Equity (ROE) | 6.2681% | 4,029 |
| Retained earnings to average equity (ytd only) | 2.2976% | 4,619 |
| Net charge-offs to loans | 0.4874% | 2,282 |
| Credit loss provision to net charge-offs | 47.3042% | 4,760 |
| Earnings coverage of net charge-offs (x) | 3.6948% | 3,632 |
| Efficiency ratio | 69.9555% | 3,828 |
| Assets per employee ($millions) | 3.1767% | 5,682 |
| Cash dividends to net income (ytd only)* | 63.3446% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 2,674 |
| Loan loss allowance to noncurrent loans | 47.8508% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.2833% | 2,150 |
| Noncurrent loans to loans | 3.7064% | 1,309 |
| Net loans and leases to total assets | 56.4462% | 4,216 |
| Net loans and leases to deposits | 65.5740% | 4,351 |
| Net loans and leases to core deposits | 70.4066% | 4,252 |
| Total domestic deposits to total assets | 86.0801% | 3,313 |
| Equity capital to assets | 11.1050% | 2,828 |
| Core capital (leverage) ratio | 10.4260% | 2,853 |
| Tier 1 risk-based capital ratio | 18.7863% | 2,015 |
| Total risk-based capital ratio | 20.0438% | 1,978 |
| Memoranda: | ||
| Average total assets | $351,227,600 | 1,844 |
| Average earning assets | $321,745,200 | 1,845 |
| Average equity | $37,778,400 | 1,838 |
| Average total loans | $201,682,000 | 1,990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 4,999 |
| Cost of funding earning assets | 0.7312% | 3,504 |
| Net interest margin | 3.4166% | 4,979 |
| Noninterest income to average assets | 0.6461% | 3,013 |
| Noninterest expense to average assets | 2.7243% | 4,273 |
| Loan and lease loss provision to assets | 0.1097% | 4,199 |
| Net operating income to assets | 0.7233% | 3,808 |
| Return on assets (ROA) | 0.7221% | 4,062 |
| Pretax return on assets | 0.9374% | 3,970 |
| Return on Equity (ROE) | 6.7675% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.5770% | 4,359 |
| Net charge-offs to loans | 0.6042% | 1,825 |
| Credit loss provision to net charge-offs | 31.6249% | 4,774 |
| Earnings coverage of net charge-offs (x) | 3.0229% | 3,825 |
| Efficiency ratio | 69.5709% | 3,775 |
| Assets per employee ($millions) | 3.1812% | 5,673 |
| Cash dividends to net income (ytd only)* | 47.1451% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 3,105 |
| Loan loss allowance to noncurrent loans | 71.6530% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 3,344 |
| Noncurrent loans to loans | 2.3905% | 2,413 |
| Net loans and leases to total assets | 56.0819% | 4,437 |
| Net loans and leases to deposits | 66.5043% | 4,407 |
| Net loans and leases to core deposits | 70.4748% | 4,439 |
| Total domestic deposits to total assets | 84.3281% | 4,064 |
| Equity capital to assets | 11.0281% | 3,241 |
| Core capital (leverage) ratio | 10.2913% | 3,173 |
| Tier 1 risk-based capital ratio | 18.5177% | 2,161 |
| Total risk-based capital ratio | 19.7739% | 2,123 |
| Memoranda: | ||
| Average total assets | $352,469,750 | 1,854 |
| Average earning assets | $322,577,500 | 1,859 |
| Average equity | $37,610,000 | 1,864 |
| Average total loans | $202,357,750 | 2,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 5,162 |
| Cost of funding earning assets | 0.7484% | 3,612 |
| Net interest margin | 3.3932% | 5,112 |
| Noninterest income to average assets | 0.6453% | 2,978 |
| Noninterest expense to average assets | 2.7426% | 4,242 |
| Loan and lease loss provision to assets | 0.1076% | 4,178 |
| Net operating income to assets | 0.6934% | 3,900 |
| Return on assets (ROA) | 0.6934% | 4,163 |
| Pretax return on assets | 0.9006% | 4,076 |
| Return on Equity (ROE) | 6.5714% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.7434% | 5,321 |
| Net charge-offs to loans | 0.1692% | 3,588 |
| Credit loss provision to net charge-offs | 110.4651% | 2,462 |
| Earnings coverage of net charge-offs (x) | 10.3547% | 2,059 |
| Efficiency ratio | 70.4648% | 3,689 |
| Assets per employee ($millions) | 3.1873% | 5,673 |
| Cash dividends to net income (ytd only)* | 73.4694% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 2,195 |
| Loan loss allowance to noncurrent loans | 65.1756% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.8138% | 3,019 |
| Noncurrent loans to loans | 3.0881% | 1,908 |
| Net loans and leases to total assets | 55.9388% | 4,480 |
| Net loans and leases to deposits | 65.2509% | 4,611 |
| Net loans and leases to core deposits | 70.1019% | 4,525 |
| Total domestic deposits to total assets | 85.7288% | 3,498 |
| Equity capital to assets | 10.6134% | 3,555 |
| Core capital (leverage) ratio | 9.9227% | 3,522 |
| Tier 1 risk-based capital ratio | 17.9795% | 2,293 |
| Total risk-based capital ratio | 19.2399% | 2,263 |
| Memoranda: | ||
| Average total assets | $353,315,330 | 1,860 |
| Average earning assets | $323,350,670 | 1,856 |
| Average equity | $37,283,000 | 1,868 |
| Average total loans | $203,254,000 | 1,994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 5,306 |
| Cost of funding earning assets | 0.7677% | 3,714 |
| Net interest margin | 3.3742% | 5,221 |
| Noninterest income to average assets | 0.5948% | 3,267 |
| Noninterest expense to average assets | 2.6362% | 4,680 |
| Loan and lease loss provision to assets | 0.1133% | 3,936 |
| Net operating income to assets | 0.7183% | 3,792 |
| Return on assets (ROA) | 0.7183% | 4,016 |
| Pretax return on assets | 0.9324% | 3,923 |
| Return on Equity (ROE) | 6.8264% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.8264% | 2,515 |
| Net charge-offs to loans | 0.0824% | 3,675 |
| Credit loss provision to net charge-offs | 238.0952% | 1,187 |
| Earnings coverage of net charge-offs (x) | 21.9762% | 1,142 |
| Efficiency ratio | 68.8923% | 4,001 |
| Assets per employee ($millions) | 3.2772% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 2,309 |
| Loan loss allowance to noncurrent loans | 65.6170% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7891% | 3,190 |
| Noncurrent loans to loans | 3.0737% | 2,087 |
| Net loans and leases to total assets | 55.8286% | 4,416 |
| Net loans and leases to deposits | 64.1574% | 4,611 |
| Net loans and leases to core deposits | 69.4485% | 4,506 |
| Total domestic deposits to total assets | 87.0181% | 2,948 |
| Equity capital to assets | 10.4932% | 3,497 |
| Core capital (leverage) ratio | 10.1172% | 3,220 |
| Tier 1 risk-based capital ratio | 17.9066% | 2,333 |
| Total risk-based capital ratio | 19.1667% | 2,297 |
| Memoranda: | ||
| Average total assets | $353,078,000 | 1,874 |
| Average earning assets | $323,036,500 | 1,866 |
| Average equity | $37,150,000 | 1,875 |
| Average total loans | $203,895,500 | 1,995 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 4,983 |
| Cost of funding earning assets | 0.9098% | 4,051 |
| Net interest margin | 3.6131% | 4,678 |
| Noninterest income to average assets | 0.6748% | 2,754 |
| Noninterest expense to average assets | 2.7847% | 4,403 |
| Loan and lease loss provision to assets | 0.2165% | 4,025 |
| Net operating income to assets | 0.7019% | 3,480 |
| Return on assets (ROA) | 0.6838% | 3,754 |
| Pretax return on assets | 0.9418% | 3,460 |
| Return on Equity (ROE) | 6.5476% | 3,615 |
| Retained earnings to average equity (ytd only) | 1.5726% | 5,090 |
| Net charge-offs to loans | 0.2987% | 3,913 |
| Credit loss provision to net charge-offs | 118.2965% | 2,712 |
| Earnings coverage of net charge-offs (x) | 6.4653% | 2,509 |
| Efficiency ratio | 67.6293% | 4,436 |
| Assets per employee ($millions) | 3.0609% | 5,973 |
| Cash dividends to net income (ytd only)* | 75.9814% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 2,337 |
| Loan loss allowance to noncurrent loans | 66.1923% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 3,286 |
| Noncurrent loans to loans | 2.9933% | 2,172 |
| Net loans and leases to total assets | 57.3767% | 4,484 |
| Net loans and leases to deposits | 65.9740% | 4,734 |
| Net loans and leases to core deposits | 70.9330% | 4,657 |
| Total domestic deposits to total assets | 86.9686% | 2,780 |
| Equity capital to assets | 10.5510% | 3,473 |
| Core capital (leverage) ratio | 10.1124% | 3,207 |
| Tier 1 risk-based capital ratio | 17.6227% | 2,335 |
| Total risk-based capital ratio | 18.8826% | 2,293 |
| Memoranda: | ||
| Average total assets | $346,463,400 | 1,868 |
| Average earning assets | $315,771,200 | 1,867 |
| Average equity | $36,181,000 | 1,878 |
| Average total loans | $212,226,800 | 1,938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 4,916 |
| Cost of funding earning assets | 0.9414% | 4,100 |
| Net interest margin | 3.6452% | 4,592 |
| Noninterest income to average assets | 0.6777% | 2,731 |
| Noninterest expense to average assets | 2.8324% | 4,224 |
| Loan and lease loss provision to assets | 0.0578% | 5,719 |
| Net operating income to assets | 0.8496% | 2,942 |
| Return on assets (ROA) | 0.8223% | 3,219 |
| Pretax return on assets | 1.0706% | 3,124 |
| Return on Equity (ROE) | 7.8950% | 3,082 |
| Retained earnings to average equity (ytd only) | 2.7131% | 4,729 |
| Net charge-offs to loans | 0.4102% | 3,086 |
| Credit loss provision to net charge-offs | 22.7618% | 5,523 |
| Earnings coverage of net charge-offs (x) | 4.5812% | 3,018 |
| Efficiency ratio | 68.3388% | 4,251 |
| Assets per employee ($millions) | 3.0917% | 5,918 |
| Cash dividends to net income (ytd only)* | 65.6352% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,608 |
| Loan loss allowance to noncurrent loans | 62.3315% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 3,587 |
| Noncurrent loans to loans | 2.5850% | 2,680 |
| Net loans and leases to total assets | 60.8897% | 3,965 |
| Net loans and leases to deposits | 70.6726% | 4,191 |
| Net loans and leases to core deposits | 74.8662% | 4,338 |
| Total domestic deposits to total assets | 86.1575% | 3,129 |
| Equity capital to assets | 10.8006% | 3,354 |
| Core capital (leverage) ratio | 10.1309% | 3,274 |
| Tier 1 risk-based capital ratio | 16.8767% | 2,684 |
| Total risk-based capital ratio | 18.1323% | 2,655 |
| Memoranda: | ||
| Average total assets | $345,843,500 | 1,876 |
| Average earning assets | $314,857,500 | 1,881 |
| Average equity | $36,022,000 | 1,878 |
| Average total loans | $214,218,750 | 1,937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 4,701 |
| Cost of funding earning assets | 0.9633% | 4,230 |
| Net interest margin | 3.6975% | 4,273 |
| Noninterest income to average assets | 0.6679% | 2,727 |
| Noninterest expense to average assets | 2.8356% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9272% | 2,526 |
| Return on assets (ROA) | 0.8664% | 2,879 |
| Pretax return on assets | 1.1254% | 2,747 |
| Return on Equity (ROE) | 8.4206% | 2,757 |
| Retained earnings to average equity (ytd only) | 3.3750% | 4,112 |
| Net charge-offs to loans | 0.2057% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.4480% | 1,921 |
| Efficiency ratio | 67.6756% | 4,580 |
| Assets per employee ($millions) | 3.0801% | 5,922 |
| Cash dividends to net income (ytd only)* | 59.9201% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 3,212 |
| Loan loss allowance to noncurrent loans | 136.7490% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 5,169 |
| Noncurrent loans to loans | 1.2671% | 4,549 |
| Net loans and leases to total assets | 60.9908% | 4,088 |
| Net loans and leases to deposits | 71.2672% | 4,238 |
| Net loans and leases to core deposits | 77.3717% | 4,140 |
| Total domestic deposits to total assets | 85.5804% | 3,578 |
| Equity capital to assets | 10.6185% | 3,364 |
| Core capital (leverage) ratio | 9.9249% | 3,354 |
| Tier 1 risk-based capital ratio | 16.6675% | 2,663 |
| Total risk-based capital ratio | 17.9242% | 2,621 |
| Memoranda: | ||
| Average total assets | $346,732,670 | 1,882 |
| Average earning assets | $316,212,000 | 1,882 |
| Average equity | $35,674,330 | 1,880 |
| Average total loans | $214,831,330 | 1,949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 4,429 |
| Cost of funding earning assets | 0.9861% | 4,298 |
| Net interest margin | 3.7341% | 3,925 |
| Noninterest income to average assets | 0.6363% | 2,921 |
| Noninterest expense to average assets | 2.8457% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9053% | 2,537 |
| Return on assets (ROA) | 0.7871% | 3,162 |
| Pretax return on assets | 1.0448% | 2,969 |
| Return on Equity (ROE) | 7.7736% | 3,017 |
| Retained earnings to average equity (ytd only) | 2.0911% | 4,885 |
| Net charge-offs to loans | 0.1450% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.3974% | 1,440 |
| Efficiency ratio | 67.7942% | 4,697 |
| Assets per employee ($millions) | 3.1261% | 5,882 |
| Cash dividends to net income (ytd only)* | 73.0994% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 3,001 |
| Loan loss allowance to noncurrent loans | 112.7597% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 4,820 |
| Noncurrent loans to loans | 1.5992% | 4,085 |
| Net loans and leases to total assets | 60.4683% | 4,178 |
| Net loans and leases to deposits | 69.4699% | 4,438 |
| Net loans and leases to core deposits | 76.1453% | 4,284 |
| Total domestic deposits to total assets | 87.0424% | 2,918 |
| Equity capital to assets | 10.2057% | 3,531 |
| Core capital (leverage) ratio | 9.6394% | 3,612 |
| Tier 1 risk-based capital ratio | 16.2390% | 2,789 |
| Total risk-based capital ratio | 17.4967% | 2,752 |
| Memoranda: | ||
| Average total assets | $347,611,500 | 1,894 |
| Average earning assets | $317,613,000 | 1,884 |
| Average equity | $35,196,000 | 1,887 |
| Average total loans | $215,190,500 | 1,968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 5,532 |
| Cost of funding earning assets | 1.2425% | 4,265 |
| Net interest margin | 3.5276% | 5,121 |
| Noninterest income to average assets | 0.8023% | 2,270 |
| Noninterest expense to average assets | 2.8929% | 4,256 |
| Loan and lease loss provision to assets | 0.3397% | 4,111 |
| Net operating income to assets | 0.6393% | 3,489 |
| Return on assets (ROA) | 0.6330% | 3,674 |
| Pretax return on assets | 0.7742% | 3,714 |
| Return on Equity (ROE) | 6.2548% | 3,477 |
| Retained earnings to average equity (ytd only) | 4.7021% | 2,608 |
| Net charge-offs to loans | 0.0832% | 6,000 |
| Credit loss provision to net charge-offs | 631.8681% | 335 |
| Earnings coverage of net charge-offs (x) | 20.8626% | 984 |
| Efficiency ratio | 69.4776% | 4,287 |
| Assets per employee ($millions) | 3.1657% | 5,741 |
| Cash dividends to net income (ytd only)* | 24.8250% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 2,818 |
| Loan loss allowance to noncurrent loans | 74.2398% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 3,961 |
| Noncurrent loans to loans | 2.4434% | 3,079 |
| Net loans and leases to total assets | 61.1023% | 4,469 |
| Net loans and leases to deposits | 70.0168% | 4,814 |
| Net loans and leases to core deposits | 77.2695% | 4,556 |
| Total domestic deposits to total assets | 87.2679% | 2,688 |
| Equity capital to assets | 10.0448% | 3,696 |
| Core capital (leverage) ratio | 9.6957% | 3,435 |
| Tier 1 risk-based capital ratio | 16.0206% | 2,739 |
| Total risk-based capital ratio | 17.2785% | 2,695 |
| Memoranda: | ||
| Average total assets | $338,523,800 | 1,929 |
| Average earning assets | $308,252,000 | 1,933 |
| Average equity | $34,261,600 | 1,932 |
| Average total loans | $218,705,800 | 1,980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 5,589 |
| Cost of funding earning assets | 1.2857% | 4,321 |
| Net interest margin | 3.5307% | 5,180 |
| Noninterest income to average assets | 0.8303% | 2,081 |
| Noninterest expense to average assets | 2.9193% | 4,011 |
| Loan and lease loss provision to assets | 0.1190% | 5,840 |
| Net operating income to assets | 0.7746% | 3,117 |
| Return on assets (ROA) | 0.7660% | 3,306 |
| Pretax return on assets | 0.9945% | 3,203 |
| Return on Equity (ROE) | 7.5541% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.5135% | 2,085 |
| Net charge-offs to loans | 0.0687% | 5,828 |
| Credit loss provision to net charge-offs | 265.4867% | 1,241 |
| Earnings coverage of net charge-offs (x) | 25.0890% | 1,005 |
| Efficiency ratio | 69.6096% | 4,152 |
| Assets per employee ($millions) | 3.0822% | 5,961 |
| Cash dividends to net income (ytd only)* | 13.7753% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 4,215 |
| Loan loss allowance to noncurrent loans | 58.9446% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 4,002 |
| Noncurrent loans to loans | 2.4570% | 3,168 |
| Net loans and leases to total assets | 63.8037% | 4,162 |
| Net loans and leases to deposits | 74.1006% | 4,493 |
| Net loans and leases to core deposits | 78.8811% | 4,684 |
| Total domestic deposits to total assets | 86.1042% | 3,023 |
| Equity capital to assets | 10.5948% | 3,414 |
| Core capital (leverage) ratio | 9.8299% | 3,453 |
| Tier 1 risk-based capital ratio | 16.2465% | 2,654 |
| Total risk-based capital ratio | 17.5002% | 2,607 |
| Memoranda: | ||
| Average total assets | $336,097,000 | 1,969 |
| Average earning assets | $305,916,000 | 1,974 |
| Average equity | $34,082,250 | 1,962 |
| Average total loans | $219,205,250 | 2,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 5,734 |
| Cost of funding earning assets | 1.3013% | 4,532 |
| Net interest margin | 3.5156% | 5,187 |
| Noninterest income to average assets | 0.8568% | 1,852 |
| Noninterest expense to average assets | 2.9029% | 4,067 |
| Loan and lease loss provision to assets | 0.1785% | 5,085 |
| Net operating income to assets | 0.7519% | 3,192 |
| Return on assets (ROA) | 0.7515% | 3,345 |
| Pretax return on assets | 0.9734% | 3,225 |
| Return on Equity (ROE) | 7.5227% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.9384% | 2,363 |
| Net charge-offs to loans | 0.0528% | 5,643 |
| Credit loss provision to net charge-offs | 517.2414% | 716 |
| Earnings coverage of net charge-offs (x) | 33.3966% | 843 |
| Efficiency ratio | 68.9994% | 4,378 |
| Assets per employee ($millions) | 3.0273% | 6,087 |
| Cash dividends to net income (ytd only)* | 21.0610% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 4,077 |
| Loan loss allowance to noncurrent loans | 63.8065% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5372% | 4,155 |
| Noncurrent loans to loans | 2.3004% | 3,372 |
| Net loans and leases to total assets | 63.4546% | 4,363 |
| Net loans and leases to deposits | 72.9477% | 4,842 |
| Net loans and leases to core deposits | 78.4662% | 4,873 |
| Total domestic deposits to total assets | 86.9864% | 2,533 |
| Equity capital to assets | 10.1406% | 3,844 |
| Core capital (leverage) ratio | 9.5249% | 3,784 |
| Tier 1 risk-based capital ratio | 15.5282% | 2,877 |
| Total risk-based capital ratio | 16.7821% | 2,844 |
| Memoranda: | ||
| Average total assets | $336,143,670 | 1,980 |
| Average earning assets | $305,837,330 | 1,993 |
| Average equity | $33,578,330 | 1,980 |
| Average total loans | $219,772,670 | 2,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 5,579 |
| Cost of funding earning assets | 1.3024% | 4,798 |
| Net interest margin | 3.5735% | 4,841 |
| Noninterest income to average assets | 0.9286% | 1,518 |
| Noninterest expense to average assets | 2.8707% | 4,185 |
| Loan and lease loss provision to assets | 0.3585% | 3,224 |
| Net operating income to assets | 0.7296% | 3,308 |
| Return on assets (ROA) | 0.7314% | 3,404 |
| Pretax return on assets | 0.9513% | 3,263 |
| Return on Equity (ROE) | 7.3787% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.3787% | 1,986 |
| Net charge-offs to loans | 0.0617% | 4,801 |
| Credit loss provision to net charge-offs | 882.3529% | 525 |
| Earnings coverage of net charge-offs (x) | 32.1765% | 832 |
| Efficiency ratio | 66.1899% | 5,077 |
| Assets per employee ($millions) | 3.0149% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,044 |
| Loan loss allowance to noncurrent loans | 58.4117% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 3,887 |
| Noncurrent loans to loans | 2.5246% | 3,151 |
| Net loans and leases to total assets | 64.4654% | 4,226 |
| Net loans and leases to deposits | 73.9884% | 4,742 |
| Net loans and leases to core deposits | 80.1802% | 4,738 |
| Total domestic deposits to total assets | 87.1291% | 2,562 |
| Equity capital to assets | 10.0298% | 3,828 |
| Core capital (leverage) ratio | 9.9363% | 3,246 |
| Tier 1 risk-based capital ratio | 15.9366% | 2,679 |
| Total risk-based capital ratio | 17.1902% | 2,623 |
| Memoranda: | ||
| Average total assets | $334,689,500 | 2,044 |
| Average earning assets | $304,351,500 | 2,057 |
| Average equity | $33,176,500 | 2,019 |
| Average total loans | $220,484,500 | 2,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 3,777 |
| Cost of funding earning assets | 1.7313% | 4,354 |
| Net interest margin | 3.8349% | 3,553 |
| Noninterest income to average assets | 0.8118% | 2,349 |
| Noninterest expense to average assets | 2.9886% | 4,193 |
| Loan and lease loss provision to assets | 0.3010% | 5,025 |
| Net operating income to assets | 0.9879% | 1,881 |
| Return on assets (ROA) | 0.3040% | 4,599 |
| Pretax return on assets | 0.2893% | 4,792 |
| Return on Equity (ROE) | 3.2758% | 4,388 |
| Retained earnings to average equity (ytd only) | 3.2758% | 2,871 |
| Net charge-offs to loans | 1.0052% | 2,404 |
| Credit loss provision to net charge-offs | 44.6628% | 6,795 |
| Earnings coverage of net charge-offs (x) | 1.8906% | 4,307 |
| Efficiency ratio | 67.6317% | 5,074 |
| Assets per employee ($millions) | 2.9107% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,569 |
| Loan loss allowance to noncurrent loans | 52.3313% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9556% | 3,451 |
| Noncurrent loans to loans | 2.5504% | 3,004 |
| Net loans and leases to total assets | 65.4391% | 4,291 |
| Net loans and leases to deposits | 74.8390% | 4,902 |
| Net loans and leases to core deposits | 92.2569% | 4,856 |
| Total domestic deposits to total assets | 87.4398% | 2,249 |
| Equity capital to assets | 9.7955% | 4,009 |
| Core capital (leverage) ratio | 9.8703% | 3,243 |
| Tier 1 risk-based capital ratio | 14.7200% | 3,091 |
| Total risk-based capital ratio | 15.9710% | 3,045 |
| Memoranda: | ||
| Average total assets | $332,229,600 | 2,041 |
| Average earning assets | $298,963,400 | 2,080 |
| Average equity | $30,832,600 | 2,174 |
| Average total loans | $222,752,000 | 2,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6635% | 3,509 |
| Cost of funding earning assets | 1.8416% | 4,189 |
| Net interest margin | 3.8219% | 3,568 |
| Noninterest income to average assets | 0.8351% | 2,261 |
| Noninterest expense to average assets | 3.0336% | 3,909 |
| Loan and lease loss provision to assets | 0.3418% | 4,280 |
| Net operating income to assets | 1.0261% | 1,976 |
| Return on assets (ROA) | 0.2790% | 4,976 |
| Pretax return on assets | 0.1496% | 5,416 |
| Return on Equity (ROE) | 3.0494% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.0494% | 3,622 |
| Net charge-offs to loans | 1.2715% | 1,616 |
| Credit loss provision to net charge-offs | 39.9812% | 6,425 |
| Earnings coverage of net charge-offs (x) | 1.4487% | 4,699 |
| Efficiency ratio | 68.5365% | 4,878 |
| Assets per employee ($millions) | 2.8996% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,413 |
| Loan loss allowance to noncurrent loans | 78.4661% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 4,337 |
| Noncurrent loans to loans | 1.6751% | 4,136 |
| Net loans and leases to total assets | 67.0484% | 4,174 |
| Net loans and leases to deposits | 77.6140% | 4,797 |
| Net loans and leases to core deposits | 93.0507% | 5,128 |
| Total domestic deposits to total assets | 86.3869% | 2,482 |
| Equity capital to assets | 9.8643% | 4,248 |
| Core capital (leverage) ratio | 9.2888% | 4,205 |
| Tier 1 risk-based capital ratio | 13.4302% | 3,906 |
| Total risk-based capital ratio | 14.6807% | 3,838 |
| Memoranda: | ||
| Average total assets | $331,605,750 | 2,063 |
| Average earning assets | $298,207,250 | 2,104 |
| Average equity | $30,343,750 | 2,229 |
| Average total loans | $222,939,000 | 2,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 3,508 |
| Cost of funding earning assets | 1.9192% | 4,166 |
| Net interest margin | 3.7864% | 3,605 |
| Noninterest income to average assets | 0.8176% | 2,324 |
| Noninterest expense to average assets | 3.0482% | 3,883 |
| Loan and lease loss provision to assets | 0.3905% | 3,574 |
| Net operating income to assets | 0.6155% | 3,616 |
| Return on assets (ROA) | 0.5785% | 3,880 |
| Pretax return on assets | 0.7377% | 3,874 |
| Return on Equity (ROE) | 6.4882% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.4882% | 1,806 |
| Net charge-offs to loans | 1.8176% | 1,039 |
| Credit loss provision to net charge-offs | 32.0671% | 6,006 |
| Earnings coverage of net charge-offs (x) | 0.9655% | 4,808 |
| Efficiency ratio | 69.6629% | 4,850 |
| Assets per employee ($millions) | 2.8797% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 4,315 |
| Loan loss allowance to noncurrent loans | 424.1742% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 6,270 |
| Noncurrent loans to loans | 0.3045% | 6,754 |
| Net loans and leases to total assets | 65.1811% | 4,724 |
| Net loans and leases to deposits | 74.2321% | 5,421 |
| Net loans and leases to core deposits | 90.8292% | 5,469 |
| Total domestic deposits to total assets | 87.8072% | 1,861 |
| Equity capital to assets | 9.1989% | 5,013 |
| Core capital (leverage) ratio | 9.0954% | 4,476 |
| Tier 1 risk-based capital ratio | 12.9397% | 4,192 |
| Total risk-based capital ratio | 14.1392% | 4,132 |
| Memoranda: | ||
| Average total assets | $332,922,330 | 2,090 |
| Average earning assets | $299,493,330 | 2,117 |
| Average equity | $29,684,670 | 2,290 |
| Average total loans | $223,047,330 | 2,137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7572% | 3,494 |
| Cost of funding earning assets | 1.9971% | 4,146 |
| Net interest margin | 3.7601% | 3,617 |
| Noninterest income to average assets | 0.7597% | 2,544 |
| Noninterest expense to average assets | 3.0545% | 3,539 |
| Loan and lease loss provision to assets | 0.1797% | 4,650 |
| Net operating income to assets | 0.7055% | 3,526 |
| Return on assets (ROA) | 0.7046% | 3,725 |
| Pretax return on assets | 0.9107% | 3,678 |
| Return on Equity (ROE) | 8.0287% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.0287% | 1,805 |
| Net charge-offs to loans | 0.1154% | 4,044 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 14.0154% | 1,698 |
| Efficiency ratio | 71.1272% | 4,341 |
| Assets per employee ($millions) | 2.9179% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 1,609 |
| Loan loss allowance to noncurrent loans | 151.1103% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 5,045 |
| Noncurrent loans to loans | 1.2611% | 4,459 |
| Net loans and leases to total assets | 65.7621% | 4,639 |
| Net loans and leases to deposits | 74.4299% | 5,429 |
| Net loans and leases to core deposits | 91.5313% | 5,395 |
| Total domestic deposits to total assets | 88.3544% | 1,546 |
| Equity capital to assets | 8.6863% | 5,788 |
| Core capital (leverage) ratio | 8.9097% | 4,849 |
| Tier 1 risk-based capital ratio | 12.7079% | 4,383 |
| Total risk-based capital ratio | 13.9651% | 4,299 |
| Memoranda: | ||
| Average total assets | $333,798,000 | 2,086 |
| Average earning assets | $300,631,500 | 2,121 |
| Average equity | $29,295,000 | 2,329 |
| Average total loans | $225,228,000 | 2,140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1879% | 4,576 |
| Cost of funding earning assets | 2.2620% | 5,330 |
| Net interest margin | 3.9260% | 3,455 |
| Noninterest income to average assets | 0.8733% | 2,087 |
| Noninterest expense to average assets | 2.8503% | 4,603 |
| Loan and lease loss provision to assets | 0.4565% | 3,006 |
| Net operating income to assets | 0.9597% | 2,746 |
| Return on assets (ROA) | -0.7328% | 6,993 |
| Pretax return on assets | -1.5006% | 7,253 |
| Return on Equity (ROE) | -7.3345% | 7,073 |
| Retained earnings to average equity (ytd only) | -14.6038% | 7,438 |
| Net charge-offs to loans | 0.1143% | 5,119 |
| Credit loss provision to net charge-offs | 606.2992% | 707 |
| Earnings coverage of net charge-offs (x) | 21.2559% | 1,538 |
| Efficiency ratio | 61.7024% | 6,011 |
| Assets per employee ($millions) | 2.8139% | 6,525 |
| Cash dividends to net income (ytd only)* | -99.1100% | 8,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8634% | 1,498 |
| Loan loss allowance to noncurrent loans | 140.1601% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 4,552 |
| Noncurrent loans to loans | 1.3295% | 3,854 |
| Net loans and leases to total assets | 66.6481% | 4,717 |
| Net loans and leases to deposits | 75.5258% | 5,647 |
| Net loans and leases to core deposits | 91.9370% | 5,647 |
| Total domestic deposits to total assets | 88.2455% | 1,362 |
| Equity capital to assets | 8.8671% | 5,540 |
| Core capital (leverage) ratio | 9.1507% | 4,527 |
| Tier 1 risk-based capital ratio | 12.9032% | 4,160 |
| Total risk-based capital ratio | 14.1599% | 4,082 |
| Memoranda: | ||
| Average total assets | $337,334,200 | 1,977 |
| Average earning assets | $307,388,200 | 1,987 |
| Average equity | $33,703,600 | 2,012 |
| Average total loans | $222,280,600 | 2,108 |