Home > The Muncy Bank and Trust Company > Performance and Condition Ratios
The Muncy Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.8326% | 2,200 |
| Cost of funding earning assets | 1.8577% | 921 |
| Net interest margin | 2.9748% | 3,390 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.2559% | 2,931 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8299% | 2,934 |
| Return on assets (ROA) | 0.8299% | 2,917 |
| Pretax return on assets | 0.9728% | 2,926 |
| Return on Equity (ROE) | 11.5300% | 2,243 |
| Retained earnings to average equity (ytd only) | 3.7656% | 3,322 |
| Net charge-offs to loans | 0.0075% | 2,145 |
| Credit loss provision to net charge-offs | -428.5714% | 4,565 |
| Earnings coverage of net charge-offs (x) | 165.3929% | 683 |
| Efficiency ratio | 69.6441% | 1,828 |
| Assets per employee ($millions) | 5.8926% | 2,843 |
| Cash dividends to net income (ytd only)* | 67.3409% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,373 |
| Loan loss allowance to noncurrent loans | 507.6847% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 2,553 |
| Noncurrent loans to loans | 0.1969% | 2,568 |
| Net loans and leases to total assets | 77.3100% | 961 |
| Net loans and leases to deposits | 97.7012% | 630 |
| Net loans and leases to core deposits | 112.9633% | 767 |
| Total domestic deposits to total assets | 79.1300% | 3,674 |
| Equity capital to assets | 6.5542% | 3,811 |
| Core capital (leverage) ratio | 9.0258% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $651,314,000 | 1,373 |
| Average earning assets | $596,908,250 | 1,386 |
| Average equity | $46,879,250 | 1,675 |
| Average total loans | $500,820,750 | 1,231 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 2,230 |
| Cost of funding earning assets | 1.7061% | 875 |
| Net interest margin | 2.9842% | 3,469 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.2636% | 2,904 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7982% | 3,087 |
| Return on assets (ROA) | 0.7982% | 3,090 |
| Pretax return on assets | 0.9358% | 3,085 |
| Return on Equity (ROE) | 10.7600% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.4401% | 2,809 |
| Net charge-offs to loans | 0.0065% | 2,007 |
| Credit loss provision to net charge-offs | 468.7500% | 676 |
| Earnings coverage of net charge-offs (x) | 194.8125% | 622 |
| Efficiency ratio | 69.4243% | 1,818 |
| Assets per employee ($millions) | 5.8145% | 2,872 |
| Cash dividends to net income (ytd only)* | 49.4590% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,133 |
| Loan loss allowance to noncurrent loans | 520.3883% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 2,463 |
| Noncurrent loans to loans | 0.2040% | 2,447 |
| Net loans and leases to total assets | 75.3800% | 1,118 |
| Net loans and leases to deposits | 93.6782% | 893 |
| Net loans and leases to core deposits | 106.2792% | 972 |
| Total domestic deposits to total assets | 80.4600% | 3,508 |
| Equity capital to assets | 7.2725% | 3,654 |
| Core capital (leverage) ratio | 9.1736% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $648,428,667 | 1,379 |
| Average earning assets | $594,789,667 | 1,394 |
| Average equity | $48,087,000 | 1,649 |
| Average total loans | $495,965,000 | 1,226 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 2,138 |
| Cost of funding earning assets | 1.5176% | 816 |
| Net interest margin | 3.0576% | 3,443 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.4129% | 2,492 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7667% | 3,307 |
| Return on assets (ROA) | 0.7667% | 3,257 |
| Pretax return on assets | 0.8939% | 3,254 |
| Return on Equity (ROE) | 10.2400% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.9055% | 3,043 |
| Net charge-offs to loans | 0.0041% | 1,838 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 303.4000% | 364 |
| Efficiency ratio | 71.0864% | 1,631 |
| Assets per employee ($millions) | 5.5116% | 3,211 |
| Cash dividends to net income (ytd only)* | 52.0749% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,151 |
| Loan loss allowance to noncurrent loans | 590.2198% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 2,530 |
| Noncurrent loans to loans | 0.1830% | 2,566 |
| Net loans and leases to total assets | 75.6200% | 1,007 |
| Net loans and leases to deposits | 89.0365% | 1,135 |
| Net loans and leases to core deposits | 101.0130% | 1,043 |
| Total domestic deposits to total assets | 84.9300% | 2,876 |
| Equity capital to assets | 7.5907% | 3,515 |
| Core capital (leverage) ratio | 9.1711% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $641,215,500 | 1,411 |
| Average earning assets | $589,086,500 | 1,422 |
| Average equity | $48,027,500 | 1,659 |
| Average total loans | $491,444,500 | 1,246 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 1,316 |
| Cost of funding earning assets | 0.6799% | 644 |
| Net interest margin | 3.4877% | 1,963 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.4189% | 2,362 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0563% | 2,353 |
| Return on assets (ROA) | 1.0568% | 2,296 |
| Pretax return on assets | 1.2531% | 2,270 |
| Return on Equity (ROE) | 13.1600% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.0321% | 1,814 |
| Net charge-offs to loans | 0.0076% | 2,116 |
| Credit loss provision to net charge-offs | 714.2857% | 538 |
| Earnings coverage of net charge-offs (x) | 226.2571% | 592 |
| Efficiency ratio | 64.4551% | 2,442 |
| Assets per employee ($millions) | 5.3115% | 3,408 |
| Cash dividends to net income (ytd only)* | 38.9490% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,258 |
| Loan loss allowance to noncurrent loans | 484.6380% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,403 |
| Noncurrent loans to loans | 0.2104% | 2,439 |
| Net loans and leases to total assets | 76.0600% | 1,003 |
| Net loans and leases to deposits | 87.1117% | 1,241 |
| Net loans and leases to core deposits | 94.1039% | 1,291 |
| Total domestic deposits to total assets | 87.3200% | 2,285 |
| Equity capital to assets | 7.3866% | 3,452 |
| Core capital (leverage) ratio | 9.3497% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $612,251,200 | 1,454 |
| Average earning assets | $567,623,600 | 1,459 |
| Average equity | $49,177,600 | 1,644 |
| Average total loans | $462,577,400 | 1,247 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 1,134 |
| Cost of funding earning assets | 0.5301% | 640 |
| Net interest margin | 3.5340% | 1,564 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4425% | 2,184 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0913% | 2,140 |
| Return on assets (ROA) | 1.0918% | 2,099 |
| Pretax return on assets | 1.2962% | 2,060 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 8.2541% | 1,908 |
| Net charge-offs to loans | 0.0009% | 2,295 |
| Credit loss provision to net charge-offs | 7,500.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 2,042.0000% | 54 |
| Efficiency ratio | 63.7934% | 2,579 |
| Assets per employee ($millions) | 5.4648% | 3,261 |
| Cash dividends to net income (ytd only)* | 38.0052% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,223 |
| Loan loss allowance to noncurrent loans | 372.6521% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 2,158 |
| Noncurrent loans to loans | 0.2831% | 2,237 |
| Net loans and leases to total assets | 76.0100% | 912 |
| Net loans and leases to deposits | 82.9780% | 1,365 |
| Net loans and leases to core deposits | 87.5986% | 1,433 |
| Total domestic deposits to total assets | 91.6000% | 1,009 |
| Equity capital to assets | 6.9106% | 3,563 |
| Core capital (leverage) ratio | 9.3634% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $607,297,500 | 1,470 |
| Average earning assets | $563,948,250 | 1,477 |
| Average equity | $49,800,000 | 1,652 |
| Average total loans | $456,793,250 | 1,249 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 954 |
| Cost of funding earning assets | 0.3949% | 947 |
| Net interest margin | 3.5913% | 1,081 |
| Noninterest income to average assets | 0.5541% | 1,927 |
| Noninterest expense to average assets | 2.4834% | 1,980 |
| Loan and lease loss provision to assets | 0.0495% | 1,692 |
| Net operating income to assets | 1.1472% | 1,612 |
| Return on assets (ROA) | 1.1481% | 1,590 |
| Pretax return on assets | 1.3670% | 1,529 |
| Return on Equity (ROE) | 13.2961% | 1,291 |
| Retained earnings to average equity (ytd only) | 8.4778% | 1,448 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0251% | 2,917 |
| Assets per employee ($millions) | 5.4600% | 3,269 |
| Cash dividends to net income (ytd only)* | 36.2381% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,307 |
| Loan loss allowance to noncurrent loans | 593.9247% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 2,719 |
| Noncurrent loans to loans | 0.1791% | 2,801 |
| Net loans and leases to total assets | 75.0030% | 818 |
| Net loans and leases to deposits | 82.6787% | 1,198 |
| Net loans and leases to core deposits | 89.7366% | 1,136 |
| Total domestic deposits to total assets | 90.7162% | 1,375 |
| Equity capital to assets | 7.7699% | 3,293 |
| Core capital (leverage) ratio | 9.3391% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $605,710,667 | 1,481 |
| Average earning assets | $564,144,333 | 1,485 |
| Average equity | $52,301,000 | 1,625 |
| Average total loans | $452,337,000 | 1,261 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 932 |
| Cost of funding earning assets | 0.3514% | 1,190 |
| Net interest margin | 3.5440% | 996 |
| Noninterest income to average assets | 0.6328% | 1,561 |
| Noninterest expense to average assets | 2.5022% | 1,877 |
| Loan and lease loss provision to assets | 0.0495% | 1,483 |
| Net operating income to assets | 1.1689% | 1,330 |
| Return on assets (ROA) | 1.1705% | 1,324 |
| Pretax return on assets | 1.3945% | 1,268 |
| Return on Equity (ROE) | 12.9092% | 1,060 |
| Retained earnings to average equity (ytd only) | 8.3196% | 1,480 |
| Net charge-offs to loans | 0.0187% | 1,153 |
| Credit loss provision to net charge-offs | 357.1429% | 617 |
| Earnings coverage of net charge-offs (x) | 103.9524% | 663 |
| Efficiency ratio | 62.7701% | 3,170 |
| Assets per employee ($millions) | 5.5110% | 3,311 |
| Cash dividends to net income (ytd only)* | 35.5530% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,480 |
| Loan loss allowance to noncurrent loans | 504.4211% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,716 |
| Noncurrent loans to loans | 0.2108% | 2,767 |
| Net loans and leases to total assets | 72.2395% | 812 |
| Net loans and leases to deposits | 80.1171% | 1,139 |
| Net loans and leases to core deposits | 87.3400% | 1,059 |
| Total domestic deposits to total assets | 90.1673% | 1,468 |
| Equity capital to assets | 8.3714% | 3,266 |
| Core capital (leverage) ratio | 9.2572% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $605,538,000 | 1,490 |
| Average earning assets | $565,798,500 | 1,490 |
| Average equity | $54,906,500 | 1,600 |
| Average total loans | $448,781,500 | 1,261 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 1,348 |
| Cost of funding earning assets | 0.4525% | 1,183 |
| Net interest margin | 3.5537% | 1,592 |
| Noninterest income to average assets | 0.9537% | 1,088 |
| Noninterest expense to average assets | 2.6009% | 1,866 |
| Loan and lease loss provision to assets | 0.0964% | 1,287 |
| Net operating income to assets | 1.3531% | 1,429 |
| Return on assets (ROA) | 1.3489% | 1,485 |
| Pretax return on assets | 1.5741% | 1,497 |
| Return on Equity (ROE) | 13.7920% | 1,248 |
| Retained earnings to average equity (ytd only) | 9.4915% | 1,048 |
| Net charge-offs to loans | 0.0190% | 1,899 |
| Credit loss provision to net charge-offs | 687.5000% | 670 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 785 |
| Efficiency ratio | 60.4360% | 3,091 |
| Assets per employee ($millions) | 5.3986% | 3,355 |
| Cash dividends to net income (ytd only)* | 31.1810% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,523 |
| Loan loss allowance to noncurrent loans | 490.4762% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 2,800 |
| Noncurrent loans to loans | 0.2162% | 2,881 |
| Net loans and leases to total assets | 74.4552% | 627 |
| Net loans and leases to deposits | 83.7396% | 920 |
| Net loans and leases to core deposits | 92.6708% | 841 |
| Total domestic deposits to total assets | 88.9128% | 1,561 |
| Equity capital to assets | 9.7907% | 2,858 |
| Core capital (leverage) ratio | 9.2122% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,620,400 | 1,508 |
| Average earning assets | $533,504,200 | 1,508 |
| Average equity | $55,807,600 | 1,613 |
| Average total loans | $421,742,000 | 1,322 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 1,503 |
| Cost of funding earning assets | 0.4740% | 1,187 |
| Net interest margin | 3.5402% | 1,759 |
| Noninterest income to average assets | 1.0701% | 964 |
| Noninterest expense to average assets | 2.6259% | 1,768 |
| Loan and lease loss provision to assets | 0.0827% | 1,434 |
| Net operating income to assets | 1.4352% | 1,425 |
| Return on assets (ROA) | 1.4334% | 1,505 |
| Pretax return on assets | 1.6666% | 1,495 |
| Return on Equity (ROE) | 14.6599% | 1,209 |
| Retained earnings to average equity (ytd only) | 10.3141% | 1,228 |
| Net charge-offs to loans | 0.0257% | 1,528 |
| Credit loss provision to net charge-offs | 437.5000% | 821 |
| Earnings coverage of net charge-offs (x) | 92.7375% | 909 |
| Efficiency ratio | 59.6991% | 3,025 |
| Assets per employee ($millions) | 5.3513% | 3,348 |
| Cash dividends to net income (ytd only)* | 29.6443% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,606 |
| Loan loss allowance to noncurrent loans | 390.8699% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,762 |
| Noncurrent loans to loans | 0.2719% | 2,828 |
| Net loans and leases to total assets | 69.8557% | 1,088 |
| Net loans and leases to deposits | 78.6975% | 1,415 |
| Net loans and leases to core deposits | 86.8848% | 1,228 |
| Total domestic deposits to total assets | 88.7649% | 1,423 |
| Equity capital to assets | 9.4241% | 3,441 |
| Core capital (leverage) ratio | 9.3671% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,813,750 | 1,541 |
| Average earning assets | $527,639,750 | 1,539 |
| Average equity | $55,224,000 | 1,648 |
| Average total loans | $415,455,500 | 1,360 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 1,409 |
| Cost of funding earning assets | 0.5150% | 1,121 |
| Net interest margin | 3.5536% | 1,698 |
| Noninterest income to average assets | 1.2540% | 743 |
| Noninterest expense to average assets | 2.6926% | 1,609 |
| Loan and lease loss provision to assets | 0.1034% | 1,222 |
| Net operating income to assets | 1.5582% | 1,152 |
| Return on assets (ROA) | 1.5528% | 1,219 |
| Pretax return on assets | 1.7646% | 1,315 |
| Return on Equity (ROE) | 15.6746% | 1,024 |
| Retained earnings to average equity (ytd only) | 11.2819% | 1,061 |
| Net charge-offs to loans | 0.0306% | 1,358 |
| Credit loss provision to net charge-offs | 452.3810% | 714 |
| Earnings coverage of net charge-offs (x) | 82.0317% | 830 |
| Efficiency ratio | 58.8581% | 3,169 |
| Assets per employee ($millions) | 4.9756% | 3,682 |
| Cash dividends to net income (ytd only)* | 28.0243% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,555 |
| Loan loss allowance to noncurrent loans | 403.0521% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 2,871 |
| Noncurrent loans to loans | 0.2649% | 2,991 |
| Net loans and leases to total assets | 74.0104% | 755 |
| Net loans and leases to deposits | 83.5118% | 1,094 |
| Net loans and leases to core deposits | 92.1687% | 996 |
| Total domestic deposits to total assets | 88.6227% | 1,490 |
| Equity capital to assets | 10.0393% | 2,816 |
| Core capital (leverage) ratio | 9.4945% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,517,667 | 1,569 |
| Average earning assets | $514,128,000 | 1,563 |
| Average equity | $54,636,000 | 1,653 |
| Average total loans | $411,621,667 | 1,380 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 1,466 |
| Cost of funding earning assets | 0.5410% | 1,159 |
| Net interest margin | 3.5264% | 1,757 |
| Noninterest income to average assets | 0.9865% | 1,155 |
| Noninterest expense to average assets | 2.5077% | 2,154 |
| Loan and lease loss provision to assets | 0.0915% | 1,455 |
| Net operating income to assets | 1.4000% | 1,576 |
| Return on assets (ROA) | 1.4018% | 1,646 |
| Pretax return on assets | 1.6786% | 1,543 |
| Return on Equity (ROE) | 14.2486% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.7820% | 1,717 |
| Net charge-offs to loans | 0.0393% | 1,078 |
| Credit loss provision to net charge-offs | 312.5000% | 737 |
| Earnings coverage of net charge-offs (x) | 60.3500% | 820 |
| Efficiency ratio | 58.6502% | 3,212 |
| Assets per employee ($millions) | 5.1481% | 3,489 |
| Cash dividends to net income (ytd only)* | 31.3480% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,586 |
| Loan loss allowance to noncurrent loans | 360.9453% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 2,995 |
| Noncurrent loans to loans | 0.2958% | 3,039 |
| Net loans and leases to total assets | 71.8878% | 1,043 |
| Net loans and leases to deposits | 83.0699% | 1,237 |
| Net loans and leases to core deposits | 91.9042% | 1,122 |
| Total domestic deposits to total assets | 86.5389% | 2,508 |
| Equity capital to assets | 9.6212% | 3,079 |
| Core capital (leverage) ratio | 9.8747% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $546,156,000 | 1,569 |
| Average earning assets | $509,416,000 | 1,565 |
| Average equity | $53,731,500 | 1,659 |
| Average total loans | $407,129,000 | 1,393 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,349 |
| Cost of funding earning assets | 0.7504% | 1,443 |
| Net interest margin | 3.7350% | 1,688 |
| Noninterest income to average assets | 0.5919% | 2,244 |
| Noninterest expense to average assets | 2.6138% | 2,502 |
| Loan and lease loss provision to assets | 0.1274% | 2,767 |
| Net operating income to assets | 1.1344% | 1,789 |
| Return on assets (ROA) | 1.1482% | 1,857 |
| Pretax return on assets | 1.3548% | 1,801 |
| Return on Equity (ROE) | 11.4106% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.0053% | 1,791 |
| Net charge-offs to loans | 0.1022% | 1,451 |
| Credit loss provision to net charge-offs | 160.0985% | 2,368 |
| Earnings coverage of net charge-offs (x) | 18.4212% | 2,025 |
| Efficiency ratio | 64.0675% | 2,812 |
| Assets per employee ($millions) | 4.8288% | 3,573 |
| Cash dividends to net income (ytd only)* | 47.3711% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,690 |
| Loan loss allowance to noncurrent loans | 190.5357% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 2,229 |
| Noncurrent loans to loans | 0.5510% | 2,335 |
| Net loans and leases to total assets | 75.7280% | 819 |
| Net loans and leases to deposits | 88.4667% | 1,043 |
| Net loans and leases to core deposits | 96.2725% | 1,102 |
| Total domestic deposits to total assets | 85.6006% | 2,528 |
| Equity capital to assets | 10.0672% | 3,068 |
| Core capital (leverage) ratio | 9.8462% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,184,000 | 1,518 |
| Average earning assets | $476,415,200 | 1,515 |
| Average equity | $51,338,400 | 1,655 |
| Average total loans | $397,314,000 | 1,367 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 1,615 |
| Cost of funding earning assets | 0.7999% | 1,499 |
| Net interest margin | 3.6839% | 1,998 |
| Noninterest income to average assets | 0.5648% | 2,327 |
| Noninterest expense to average assets | 2.5793% | 2,604 |
| Loan and lease loss provision to assets | 0.1321% | 2,697 |
| Net operating income to assets | 1.1018% | 1,974 |
| Return on assets (ROA) | 1.1130% | 2,060 |
| Pretax return on assets | 1.3094% | 2,013 |
| Return on Equity (ROE) | 11.0617% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.3537% | 2,405 |
| Net charge-offs to loans | 0.1016% | 1,298 |
| Credit loss provision to net charge-offs | 166.1130% | 2,244 |
| Earnings coverage of net charge-offs (x) | 17.9701% | 1,982 |
| Efficiency ratio | 64.3605% | 2,677 |
| Assets per employee ($millions) | 4.8664% | 3,411 |
| Cash dividends to net income (ytd only)* | 51.6014% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,493 |
| Loan loss allowance to noncurrent loans | 231.7783% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 2,674 |
| Noncurrent loans to loans | 0.4510% | 2,700 |
| Net loans and leases to total assets | 76.7678% | 990 |
| Net loans and leases to deposits | 88.5531% | 1,424 |
| Net loans and leases to core deposits | 95.4226% | 1,510 |
| Total domestic deposits to total assets | 86.6913% | 1,776 |
| Equity capital to assets | 9.9884% | 3,233 |
| Core capital (leverage) ratio | 9.8323% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,938,000 | 1,513 |
| Average earning assets | $471,880,750 | 1,511 |
| Average equity | $50,804,500 | 1,666 |
| Average total loans | $395,014,750 | 1,363 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,827 |
| Cost of funding earning assets | 0.8649% | 1,519 |
| Net interest margin | 3.6664% | 2,276 |
| Noninterest income to average assets | 0.5223% | 2,480 |
| Noninterest expense to average assets | 2.6309% | 2,570 |
| Loan and lease loss provision to assets | 0.1701% | 2,306 |
| Net operating income to assets | 0.9848% | 2,382 |
| Return on assets (ROA) | 0.9930% | 2,482 |
| Pretax return on assets | 1.1551% | 2,527 |
| Return on Equity (ROE) | 9.8447% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.0831% | 2,434 |
| Net charge-offs to loans | 0.1036% | 1,244 |
| Credit loss provision to net charge-offs | 209.3596% | 1,877 |
| Earnings coverage of net charge-offs (x) | 16.1921% | 1,869 |
| Efficiency ratio | 66.6633% | 2,424 |
| Assets per employee ($millions) | 5.0286% | 3,138 |
| Cash dividends to net income (ytd only)* | 48.3676% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,317 |
| Loan loss allowance to noncurrent loans | 201.5187% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 2,585 |
| Noncurrent loans to loans | 0.5216% | 2,598 |
| Net loans and leases to total assets | 77.9280% | 854 |
| Net loans and leases to deposits | 90.7129% | 1,286 |
| Net loans and leases to core deposits | 98.6675% | 1,357 |
| Total domestic deposits to total assets | 85.9062% | 2,054 |
| Equity capital to assets | 10.0087% | 3,196 |
| Core capital (leverage) ratio | 9.8803% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,682,667 | 1,498 |
| Average earning assets | $466,664,333 | 1,492 |
| Average equity | $50,402,667 | 1,660 |
| Average total loans | $392,034,333 | 1,350 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 1,887 |
| Cost of funding earning assets | 0.9776% | 1,525 |
| Net interest margin | 3.6598% | 2,475 |
| Noninterest income to average assets | 0.5289% | 2,392 |
| Noninterest expense to average assets | 2.6455% | 2,848 |
| Loan and lease loss provision to assets | 0.1014% | 2,420 |
| Net operating income to assets | 1.0258% | 2,093 |
| Return on assets (ROA) | 1.0327% | 2,166 |
| Pretax return on assets | 1.2039% | 2,182 |
| Return on Equity (ROE) | 10.1972% | 1,682 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,120 |
| Net charge-offs to loans | 0.1430% | 880 |
| Credit loss provision to net charge-offs | 90.5797% | 1,895 |
| Earnings coverage of net charge-offs (x) | 11.5870% | 1,725 |
| Efficiency ratio | 67.0988% | 2,806 |
| Assets per employee ($millions) | 4.7305% | 2,954 |
| Cash dividends to net income (ytd only)* | 47.1328% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,507 |
| Loan loss allowance to noncurrent loans | 186.4714% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,579 |
| Noncurrent loans to loans | 0.5561% | 2,609 |
| Net loans and leases to total assets | 77.0675% | 1,121 |
| Net loans and leases to deposits | 92.2907% | 1,248 |
| Net loans and leases to core deposits | 103.7781% | 1,204 |
| Total domestic deposits to total assets | 83.5052% | 2,944 |
| Equity capital to assets | 10.1544% | 3,647 |
| Core capital (leverage) ratio | 10.1357% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,063,000 | 1,480 |
| Average earning assets | $459,913,000 | 1,467 |
| Average equity | $49,935,500 | 1,668 |
| Average total loans | $386,073,500 | 1,335 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 2,025 |
| Cost of funding earning assets | 1.1527% | 1,151 |
| Net interest margin | 3.6544% | 2,946 |
| Noninterest income to average assets | 0.5516% | 2,467 |
| Noninterest expense to average assets | 2.6341% | 3,082 |
| Loan and lease loss provision to assets | 0.0261% | 3,493 |
| Net operating income to assets | 1.1209% | 2,365 |
| Return on assets (ROA) | 1.1220% | 2,463 |
| Pretax return on assets | 1.3257% | 2,410 |
| Return on Equity (ROE) | 11.2962% | 1,775 |
| Retained earnings to average equity (ytd only) | 5.8269% | 1,962 |
| Net charge-offs to loans | 0.0253% | 2,889 |
| Credit loss provision to net charge-offs | 130.2083% | 1,965 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 904 |
| Efficiency ratio | 66.1056% | 2,755 |
| Assets per employee ($millions) | 4.8942% | 2,712 |
| Cash dividends to net income (ytd only)* | 48.4171% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,257 |
| Loan loss allowance to noncurrent loans | 210.3502% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 2,839 |
| Noncurrent loans to loans | 0.4964% | 2,696 |
| Net loans and leases to total assets | 77.9112% | 1,093 |
| Net loans and leases to deposits | 90.4413% | 1,538 |
| Net loans and leases to core deposits | 101.8717% | 1,419 |
| Total domestic deposits to total assets | 86.1456% | 2,009 |
| Equity capital to assets | 10.1004% | 3,834 |
| Core capital (leverage) ratio | 9.8917% | 3,624 |
| Tier 1 risk-based capital ratio | 14.6274% | 2,943 |
| Total risk-based capital ratio | 15.8361% | 2,874 |
| Memoranda: | ||
| Average total assets | $478,615,400 | 1,478 |
| Average earning assets | $449,625,000 | 1,457 |
| Average equity | $47,538,000 | 1,671 |
| Average total loans | $378,792,800 | 1,330 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 2,149 |
| Cost of funding earning assets | 1.1705% | 1,114 |
| Net interest margin | 3.6204% | 3,195 |
| Noninterest income to average assets | 0.5379% | 2,522 |
| Noninterest expense to average assets | 2.6335% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1059% | 2,549 |
| Return on assets (ROA) | 1.1066% | 2,637 |
| Pretax return on assets | 1.3106% | 2,628 |
| Return on Equity (ROE) | 11.1902% | 1,932 |
| Retained earnings to average equity (ytd only) | 5.5243% | 2,617 |
| Net charge-offs to loans | 0.0032% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 519.4317% | 189 |
| Efficiency ratio | 66.7851% | 2,621 |
| Assets per employee ($millions) | 5.0330% | 2,520 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,401 |
| Loan loss allowance to noncurrent loans | 332.9992% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,599 |
| Noncurrent loans to loans | 0.3093% | 3,418 |
| Net loans and leases to total assets | 77.6669% | 1,194 |
| Net loans and leases to deposits | 87.5199% | 1,994 |
| Net loans and leases to core deposits | 103.3357% | 1,384 |
| Total domestic deposits to total assets | 88.7420% | 717 |
| Equity capital to assets | 9.8718% | 4,140 |
| Core capital (leverage) ratio | 9.8199% | 3,828 |
| Tier 1 risk-based capital ratio | 14.4287% | 3,118 |
| Total risk-based capital ratio | 15.6299% | 3,049 |
| Memoranda: | ||
| Average total assets | $475,913,250 | 1,495 |
| Average earning assets | $447,643,000 | 1,468 |
| Average equity | $47,064,000 | 1,685 |
| Average total loans | $377,156,000 | 1,343 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 2,199 |
| Cost of funding earning assets | 1.1730% | 1,066 |
| Net interest margin | 3.5847% | 3,314 |
| Noninterest income to average assets | 0.5194% | 2,571 |
| Noninterest expense to average assets | 2.6515% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0461% | 2,736 |
| Return on assets (ROA) | 1.0461% | 2,810 |
| Pretax return on assets | 1.2401% | 2,787 |
| Return on Equity (ROE) | 10.5714% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.5527% | 2,997 |
| Net charge-offs to loans | 0.0048% | 2,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 323.8889% | 244 |
| Efficiency ratio | 68.1351% | 2,512 |
| Assets per employee ($millions) | 4.8875% | 2,617 |
| Cash dividends to net income (ytd only)* | 56.9337% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,284 |
| Loan loss allowance to noncurrent loans | 302.8875% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 3,457 |
| Noncurrent loans to loans | 0.3499% | 3,301 |
| Net loans and leases to total assets | 77.6842% | 1,279 |
| Net loans and leases to deposits | 88.6834% | 1,914 |
| Net loans and leases to core deposits | 100.7547% | 1,652 |
| Total domestic deposits to total assets | 87.5973% | 1,287 |
| Equity capital to assets | 9.9266% | 4,030 |
| Core capital (leverage) ratio | 9.8817% | 3,727 |
| Tier 1 risk-based capital ratio | 14.5720% | 3,031 |
| Total risk-based capital ratio | 15.8082% | 2,961 |
| Memoranda: | ||
| Average total assets | $470,140,330 | 1,511 |
| Average earning assets | $442,267,000 | 1,488 |
| Average equity | $46,521,670 | 1,696 |
| Average total loans | $373,853,330 | 1,357 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 2,125 |
| Cost of funding earning assets | 1.1634% | 1,005 |
| Net interest margin | 3.5650% | 3,383 |
| Noninterest income to average assets | 0.4887% | 2,620 |
| Noninterest expense to average assets | 2.6247% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0281% | 2,753 |
| Return on assets (ROA) | 1.0281% | 2,789 |
| Pretax return on assets | 1.2196% | 2,735 |
| Return on Equity (ROE) | 10.4065% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.1902% | 2,820 |
| Net charge-offs to loans | 0.0032% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 473.3333% | 163 |
| Efficiency ratio | 68.2752% | 2,602 |
| Assets per employee ($millions) | 4.9144% | 2,626 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,296 |
| Loan loss allowance to noncurrent loans | 339.7447% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 3,617 |
| Noncurrent loans to loans | 0.3150% | 3,438 |
| Net loans and leases to total assets | 78.2311% | 1,110 |
| Net loans and leases to deposits | 89.3568% | 1,705 |
| Net loans and leases to core deposits | 102.9592% | 1,385 |
| Total domestic deposits to total assets | 87.5491% | 1,550 |
| Equity capital to assets | 9.8709% | 3,943 |
| Core capital (leverage) ratio | 9.9336% | 3,676 |
| Tier 1 risk-based capital ratio | 14.5866% | 3,066 |
| Total risk-based capital ratio | 15.8365% | 2,990 |
| Memoranda: | ||
| Average total assets | $465,723,000 | 1,535 |
| Average earning assets | $438,372,000 | 1,512 |
| Average equity | $46,009,500 | 1,705 |
| Average total loans | $372,743,000 | 1,365 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,390 |
| Cost of funding earning assets | 0.9300% | 996 |
| Net interest margin | 3.5931% | 3,407 |
| Noninterest income to average assets | 0.5750% | 2,415 |
| Noninterest expense to average assets | 2.6910% | 3,052 |
| Loan and lease loss provision to assets | 0.0123% | 3,896 |
| Net operating income to assets | 1.0571% | 2,769 |
| Return on assets (ROA) | 1.0573% | 2,755 |
| Pretax return on assets | 1.2439% | 2,722 |
| Return on Equity (ROE) | 10.7650% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.8722% | 2,255 |
| Net charge-offs to loans | -0.0239% | 4,745 |
| Credit loss provision to net charge-offs | -63.9535% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1779% | 2,507 |
| Assets per employee ($millions) | 4.7882% | 2,758 |
| Cash dividends to net income (ytd only)* | 45.4507% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,253 |
| Loan loss allowance to noncurrent loans | 367.8637% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 3,653 |
| Noncurrent loans to loans | 0.2916% | 3,516 |
| Net loans and leases to total assets | 80.1496% | 915 |
| Net loans and leases to deposits | 90.0817% | 1,790 |
| Net loans and leases to core deposits | 105.3625% | 1,314 |
| Total domestic deposits to total assets | 88.9743% | 870 |
| Equity capital to assets | 9.8877% | 3,772 |
| Core capital (leverage) ratio | 10.1167% | 3,437 |
| Tier 1 risk-based capital ratio | 14.6325% | 3,000 |
| Total risk-based capital ratio | 15.8827% | 2,925 |
| Memoranda: | ||
| Average total assets | $445,935,600 | 1,548 |
| Average earning assets | $418,495,600 | 1,530 |
| Average equity | $43,799,400 | 1,706 |
| Average total loans | $359,199,200 | 1,370 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 2,526 |
| Cost of funding earning assets | 0.8742% | 1,021 |
| Net interest margin | 3.5579% | 3,496 |
| Noninterest income to average assets | 0.5598% | 2,522 |
| Noninterest expense to average assets | 2.6853% | 3,012 |
| Loan and lease loss provision to assets | -0.0256% | 5,252 |
| Net operating income to assets | 1.0507% | 2,864 |
| Return on assets (ROA) | 1.0510% | 2,877 |
| Pretax return on assets | 1.2372% | 2,857 |
| Return on Equity (ROE) | 10.7188% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.5930% | 2,893 |
| Net charge-offs to loans | -0.0333% | 4,786 |
| Credit loss provision to net charge-offs | 95.5056% | 2,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9143% | 2,371 |
| Assets per employee ($millions) | 4.6680% | 2,885 |
| Cash dividends to net income (ytd only)* | 47.8210% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,455 |
| Loan loss allowance to noncurrent loans | 326.9492% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 3,515 |
| Noncurrent loans to loans | 0.3217% | 3,519 |
| Net loans and leases to total assets | 78.5427% | 1,242 |
| Net loans and leases to deposits | 91.2737% | 1,723 |
| Net loans and leases to core deposits | 104.5195% | 1,417 |
| Total domestic deposits to total assets | 86.0518% | 2,164 |
| Equity capital to assets | 9.5356% | 4,041 |
| Core capital (leverage) ratio | 10.0820% | 3,545 |
| Tier 1 risk-based capital ratio | 14.5736% | 3,082 |
| Total risk-based capital ratio | 15.8182% | 3,007 |
| Memoranda: | ||
| Average total assets | $442,503,750 | 1,566 |
| Average earning assets | $414,987,750 | 1,553 |
| Average equity | $43,386,750 | 1,721 |
| Average total loans | $355,895,750 | 1,380 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,499 |
| Cost of funding earning assets | 0.8078% | 1,096 |
| Net interest margin | 3.5678% | 3,418 |
| Noninterest income to average assets | 0.5858% | 2,403 |
| Noninterest expense to average assets | 2.6869% | 3,058 |
| Loan and lease loss provision to assets | 0.0298% | 3,311 |
| Net operating income to assets | 1.0175% | 2,937 |
| Return on assets (ROA) | 1.0175% | 2,946 |
| Pretax return on assets | 1.2143% | 2,894 |
| Return on Equity (ROE) | 10.2780% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.8656% | 3,148 |
| Net charge-offs to loans | 0.0153% | 2,633 |
| Credit loss provision to net charge-offs | 240.7407% | 1,171 |
| Earnings coverage of net charge-offs (x) | 100.4444% | 692 |
| Efficiency ratio | 68.3510% | 2,583 |
| Assets per employee ($millions) | 4.6023% | 2,966 |
| Cash dividends to net income (ytd only)* | 52.6601% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,409 |
| Loan loss allowance to noncurrent loans | 353.4968% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 3,527 |
| Noncurrent loans to loans | 0.3040% | 3,616 |
| Net loans and leases to total assets | 79.4399% | 1,105 |
| Net loans and leases to deposits | 94.5459% | 1,296 |
| Net loans and leases to core deposits | 111.1651% | 929 |
| Total domestic deposits to total assets | 84.0226% | 3,057 |
| Equity capital to assets | 9.6549% | 3,963 |
| Core capital (leverage) ratio | 10.1715% | 3,395 |
| Tier 1 risk-based capital ratio | 14.4773% | 3,128 |
| Total risk-based capital ratio | 15.7276% | 3,038 |
| Memoranda: | ||
| Average total assets | $435,961,330 | 1,593 |
| Average earning assets | $408,769,330 | 1,577 |
| Average equity | $43,160,000 | 1,735 |
| Average total loans | $352,251,670 | 1,389 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,338 |
| Cost of funding earning assets | 0.7503% | 1,192 |
| Net interest margin | 3.6038% | 3,163 |
| Noninterest income to average assets | 0.6041% | 2,239 |
| Noninterest expense to average assets | 2.6543% | 3,179 |
| Loan and lease loss provision to assets | 0.0233% | 3,219 |
| Net operating income to assets | 1.0830% | 2,506 |
| Return on assets (ROA) | 1.0830% | 2,523 |
| Pretax return on assets | 1.2987% | 2,371 |
| Return on Equity (ROE) | 10.7990% | 2,045 |
| Retained earnings to average equity (ytd only) | 1.7874% | 4,419 |
| Net charge-offs to loans | 0.0046% | 2,570 |
| Credit loss provision to net charge-offs | 625.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 193 |
| Efficiency ratio | 66.7528% | 3,041 |
| Assets per employee ($millions) | 4.5203% | 3,120 |
| Cash dividends to net income (ytd only)* | 83.4483% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,311 |
| Loan loss allowance to noncurrent loans | 399.4845% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,567 |
| Noncurrent loans to loans | 0.2779% | 3,774 |
| Net loans and leases to total assets | 80.3864% | 888 |
| Net loans and leases to deposits | 93.6524% | 1,260 |
| Net loans and leases to core deposits | 110.0611% | 1,008 |
| Total domestic deposits to total assets | 85.8348% | 2,618 |
| Equity capital to assets | 9.9305% | 3,666 |
| Core capital (leverage) ratio | 10.2538% | 3,236 |
| Tier 1 risk-based capital ratio | 14.9717% | 2,876 |
| Total risk-based capital ratio | 16.2227% | 2,811 |
| Memoranda: | ||
| Average total assets | $428,430,000 | 1,621 |
| Average earning assets | $400,907,500 | 1,612 |
| Average equity | $42,967,000 | 1,755 |
| Average total loans | $347,285,000 | 1,413 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,311 |
| Cost of funding earning assets | 0.6067% | 1,553 |
| Net interest margin | 3.6977% | 2,807 |
| Noninterest income to average assets | 0.5648% | 2,631 |
| Noninterest expense to average assets | 2.7256% | 3,044 |
| Loan and lease loss provision to assets | 0.2018% | 1,022 |
| Net operating income to assets | 0.6790% | 3,682 |
| Return on assets (ROA) | 0.6807% | 3,732 |
| Pretax return on assets | 1.0748% | 3,280 |
| Return on Equity (ROE) | 6.4773% | 3,541 |
| Retained earnings to average equity (ytd only) | 0.8212% | 4,703 |
| Net charge-offs to loans | 0.1214% | 1,835 |
| Credit loss provision to net charge-offs | 210.1266% | 1,299 |
| Earnings coverage of net charge-offs (x) | 13.2658% | 2,411 |
| Efficiency ratio | 68.1478% | 2,869 |
| Assets per employee ($millions) | 4.4524% | 3,265 |
| Cash dividends to net income (ytd only)* | 87.3214% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,264 |
| Loan loss allowance to noncurrent loans | 412.6338% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,653 |
| Noncurrent loans to loans | 0.2703% | 3,818 |
| Net loans and leases to total assets | 79.9284% | 967 |
| Net loans and leases to deposits | 95.8850% | 1,101 |
| Net loans and leases to core deposits | 110.2548% | 984 |
| Total domestic deposits to total assets | 83.3586% | 3,442 |
| Equity capital to assets | 10.1279% | 3,563 |
| Core capital (leverage) ratio | 10.2057% | 3,182 |
| Tier 1 risk-based capital ratio | 15.7364% | 2,541 |
| Total risk-based capital ratio | 16.9883% | 2,479 |
| Memoranda: | ||
| Average total assets | $411,325,200 | 1,662 |
| Average earning assets | $382,076,800 | 1,663 |
| Average equity | $43,228,000 | 1,722 |
| Average total loans | $325,478,800 | 1,461 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,332 |
| Cost of funding earning assets | 0.5749% | 1,712 |
| Net interest margin | 3.7017% | 2,757 |
| Noninterest income to average assets | 0.5765% | 2,598 |
| Noninterest expense to average assets | 2.6692% | 3,169 |
| Loan and lease loss provision to assets | 0.1899% | 1,026 |
| Net operating income to assets | 0.8994% | 3,030 |
| Return on assets (ROA) | 0.9022% | 3,071 |
| Pretax return on assets | 1.1542% | 3,097 |
| Return on Equity (ROE) | 8.5035% | 2,877 |
| Retained earnings to average equity (ytd only) | 2.6072% | 4,327 |
| Net charge-offs to loans | 0.1464% | 1,368 |
| Credit loss provision to net charge-offs | 164.7727% | 1,568 |
| Earnings coverage of net charge-offs (x) | 11.6336% | 2,490 |
| Efficiency ratio | 66.5687% | 3,112 |
| Assets per employee ($millions) | 4.4562% | 3,231 |
| Cash dividends to net income (ytd only)* | 69.3398% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,579 |
| Loan loss allowance to noncurrent loans | 379.1060% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,362 |
| Noncurrent loans to loans | 0.2861% | 3,921 |
| Net loans and leases to total assets | 78.5627% | 1,184 |
| Net loans and leases to deposits | 99.6999% | 762 |
| Net loans and leases to core deposits | 107.9485% | 1,140 |
| Total domestic deposits to total assets | 78.7991% | 4,570 |
| Equity capital to assets | 10.3891% | 3,489 |
| Core capital (leverage) ratio | 10.9089% | 2,540 |
| Tier 1 risk-based capital ratio | 15.3491% | 2,774 |
| Total risk-based capital ratio | 16.5994% | 2,715 |
| Memoranda: | ||
| Average total assets | $407,298,000 | 1,689 |
| Average earning assets | $377,767,500 | 1,692 |
| Average equity | $43,212,500 | 1,733 |
| Average total loans | $320,474,750 | 1,488 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,495 |
| Cost of funding earning assets | 0.4774% | 2,350 |
| Net interest margin | 3.7166% | 2,594 |
| Noninterest income to average assets | 0.5478% | 2,727 |
| Noninterest expense to average assets | 2.6466% | 3,279 |
| Loan and lease loss provision to assets | 0.1990% | 929 |
| Net operating income to assets | 0.9261% | 2,778 |
| Return on assets (ROA) | 0.9285% | 2,824 |
| Pretax return on assets | 1.1489% | 2,982 |
| Return on Equity (ROE) | 8.6879% | 2,673 |
| Retained earnings to average equity (ytd only) | 2.8913% | 3,987 |
| Net charge-offs to loans | 0.0863% | 1,747 |
| Credit loss provision to net charge-offs | 294.1176% | 971 |
| Earnings coverage of net charge-offs (x) | 19.8750% | 1,818 |
| Efficiency ratio | 66.3052% | 3,302 |
| Assets per employee ($millions) | 4.2863% | 3,458 |
| Cash dividends to net income (ytd only)* | 66.7203% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,456 |
| Loan loss allowance to noncurrent loans | 153.4806% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 2,329 |
| Noncurrent loans to loans | 0.7317% | 2,560 |
| Net loans and leases to total assets | 77.9755% | 1,253 |
| Net loans and leases to deposits | 96.9335% | 990 |
| Net loans and leases to core deposits | 105.4152% | 1,270 |
| Total domestic deposits to total assets | 80.4422% | 4,312 |
| Equity capital to assets | 10.5388% | 3,286 |
| Core capital (leverage) ratio | 10.7454% | 2,657 |
| Tier 1 risk-based capital ratio | 15.3998% | 2,745 |
| Total risk-based capital ratio | 16.6506% | 2,689 |
| Memoranda: | ||
| Average total assets | $401,952,000 | 1,715 |
| Average earning assets | $372,436,670 | 1,714 |
| Average equity | $42,956,330 | 1,741 |
| Average total loans | $315,222,670 | 1,506 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,399 |
| Cost of funding earning assets | 0.4673% | 2,366 |
| Net interest margin | 3.6990% | 2,486 |
| Noninterest income to average assets | 0.5589% | 2,617 |
| Noninterest expense to average assets | 2.6083% | 3,470 |
| Loan and lease loss provision to assets | 0.2228% | 709 |
| Net operating income to assets | 0.8741% | 2,890 |
| Return on assets (ROA) | 0.8748% | 2,936 |
| Pretax return on assets | 1.1594% | 2,746 |
| Return on Equity (ROE) | 8.1268% | 2,853 |
| Retained earnings to average equity (ytd only) | 0.5738% | 4,784 |
| Net charge-offs to loans | 0.0207% | 2,365 |
| Credit loss provision to net charge-offs | 1,375.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 85.2500% | 626 |
| Efficiency ratio | 65.3807% | 3,599 |
| Assets per employee ($millions) | 4.3091% | 3,490 |
| Cash dividends to net income (ytd only)* | 92.9398% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 3,313 |
| Loan loss allowance to noncurrent loans | 199.0659% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 2,705 |
| Noncurrent loans to loans | 0.5873% | 3,049 |
| Net loans and leases to total assets | 77.2537% | 1,236 |
| Net loans and leases to deposits | 89.9720% | 1,534 |
| Net loans and leases to core deposits | 97.8739% | 1,668 |
| Total domestic deposits to total assets | 85.8641% | 2,735 |
| Equity capital to assets | 10.7588% | 2,901 |
| Core capital (leverage) ratio | 10.9599% | 2,398 |
| Tier 1 risk-based capital ratio | 15.9903% | 2,551 |
| Total risk-based capital ratio | 17.2414% | 2,507 |
| Memoranda: | ||
| Average total assets | $395,044,000 | 1,755 |
| Average earning assets | $366,370,500 | 1,748 |
| Average equity | $42,526,000 | 1,757 |
| Average total loans | $308,894,500 | 1,536 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,260 |
| Cost of funding earning assets | 0.5521% | 1,670 |
| Net interest margin | 3.7122% | 2,639 |
| Noninterest income to average assets | 0.4549% | 3,510 |
| Noninterest expense to average assets | 2.4649% | 4,118 |
| Loan and lease loss provision to assets | 0.1365% | 1,832 |
| Net operating income to assets | 1.0142% | 2,290 |
| Return on assets (ROA) | 1.0226% | 2,353 |
| Pretax return on assets | 1.3285% | 2,182 |
| Return on Equity (ROE) | 9.3338% | 2,258 |
| Retained earnings to average equity (ytd only) | 5.2814% | 2,142 |
| Net charge-offs to loans | 0.3476% | 782 |
| Credit loss provision to net charge-offs | 49.3421% | 3,387 |
| Earnings coverage of net charge-offs (x) | 5.2575% | 3,365 |
| Efficiency ratio | 62.8971% | 4,123 |
| Assets per employee ($millions) | 4.7428% | 2,729 |
| Cash dividends to net income (ytd only)* | 43.4164% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,654 |
| Loan loss allowance to noncurrent loans | 210.9192% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 2,960 |
| Noncurrent loans to loans | 0.5265% | 3,272 |
| Net loans and leases to total assets | 77.3489% | 1,303 |
| Net loans and leases to deposits | 90.7537% | 1,600 |
| Net loans and leases to core deposits | 98.3259% | 1,747 |
| Total domestic deposits to total assets | 85.2295% | 2,947 |
| Equity capital to assets | 10.7710% | 2,845 |
| Core capital (leverage) ratio | 10.9901% | 2,346 |
| Tier 1 risk-based capital ratio | 16.0631% | 2,513 |
| Total risk-based capital ratio | 17.3136% | 2,460 |
| Memoranda: | ||
| Average total assets | $384,718,600 | 1,743 |
| Average earning assets | $359,005,600 | 1,729 |
| Average equity | $42,147,800 | 1,756 |
| Average total loans | $306,130,000 | 1,495 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,166 |
| Cost of funding earning assets | 0.5593% | 1,615 |
| Net interest margin | 3.7401% | 2,549 |
| Noninterest income to average assets | 0.5218% | 3,101 |
| Noninterest expense to average assets | 2.5987% | 3,666 |
| Loan and lease loss provision to assets | 0.0784% | 2,657 |
| Net operating income to assets | 1.0052% | 2,410 |
| Return on assets (ROA) | 1.0161% | 2,490 |
| Pretax return on assets | 1.3536% | 2,221 |
| Return on Equity (ROE) | 9.2351% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,666 |
| Net charge-offs to loans | 0.3873% | 565 |
| Credit loss provision to net charge-offs | 25.3378% | 3,259 |
| Earnings coverage of net charge-offs (x) | 4.5788% | 3,251 |
| Efficiency ratio | 64.7079% | 3,814 |
| Assets per employee ($millions) | 5.1207% | 2,231 |
| Cash dividends to net income (ytd only)* | 43.1218% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,986 |
| Loan loss allowance to noncurrent loans | 174.7480% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 2,550 |
| Noncurrent loans to loans | 0.6152% | 3,173 |
| Net loans and leases to total assets | 76.8739% | 1,385 |
| Net loans and leases to deposits | 88.7740% | 1,919 |
| Net loans and leases to core deposits | 96.3977% | 1,954 |
| Total domestic deposits to total assets | 86.5951% | 2,089 |
| Equity capital to assets | 10.8921% | 3,145 |
| Core capital (leverage) ratio | 11.0329% | 2,416 |
| Tier 1 risk-based capital ratio | 15.9961% | 2,626 |
| Total risk-based capital ratio | 17.2380% | 2,569 |
| Memoranda: | ||
| Average total assets | $382,485,750 | 1,753 |
| Average earning assets | $357,344,250 | 1,737 |
| Average equity | $42,084,750 | 1,766 |
| Average total loans | $305,686,750 | 1,498 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,071 |
| Cost of funding earning assets | 0.5708% | 1,541 |
| Net interest margin | 3.7554% | 2,498 |
| Noninterest income to average assets | 0.5083% | 3,137 |
| Noninterest expense to average assets | 2.5825% | 3,785 |
| Loan and lease loss provision to assets | 0.0660% | 2,820 |
| Net operating income to assets | 1.0482% | 2,190 |
| Return on assets (ROA) | 1.0614% | 2,244 |
| Pretax return on assets | 1.3916% | 2,060 |
| Return on Equity (ROE) | 9.6131% | 2,220 |
| Retained earnings to average equity (ytd only) | 5.7468% | 2,268 |
| Net charge-offs to loans | 0.0563% | 2,389 |
| Credit loss provision to net charge-offs | 145.3488% | 1,629 |
| Earnings coverage of net charge-offs (x) | 31.6977% | 1,355 |
| Efficiency ratio | 64.1975% | 3,986 |
| Assets per employee ($millions) | 4.9902% | 2,308 |
| Cash dividends to net income (ytd only)* | 40.2190% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,770 |
| Loan loss allowance to noncurrent loans | 210.3684% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 2,379 |
| Noncurrent loans to loans | 0.6191% | 3,210 |
| Net loans and leases to total assets | 78.8351% | 1,092 |
| Net loans and leases to deposits | 90.7906% | 1,654 |
| Net loans and leases to core deposits | 98.5904% | 1,762 |
| Total domestic deposits to total assets | 86.8318% | 1,996 |
| Equity capital to assets | 11.0911% | 2,958 |
| Core capital (leverage) ratio | 11.0920% | 2,332 |
| Tier 1 risk-based capital ratio | 16.1029% | 2,590 |
| Total risk-based capital ratio | 17.3564% | 2,533 |
| Memoranda: | ||
| Average total assets | $378,549,330 | 1,770 |
| Average earning assets | $354,266,330 | 1,755 |
| Average equity | $41,797,330 | 1,775 |
| Average total loans | $305,447,670 | 1,504 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 1,922 |
| Cost of funding earning assets | 0.5857% | 1,443 |
| Net interest margin | 3.7760% | 2,383 |
| Noninterest income to average assets | 0.4780% | 3,280 |
| Noninterest expense to average assets | 2.6393% | 3,617 |
| Loan and lease loss provision to assets | 0.0799% | 2,362 |
| Net operating income to assets | 0.9805% | 2,366 |
| Return on assets (ROA) | 1.0072% | 2,360 |
| Pretax return on assets | 1.3287% | 2,193 |
| Return on Equity (ROE) | 9.1429% | 2,347 |
| Retained earnings to average equity (ytd only) | 5.2383% | 2,793 |
| Net charge-offs to loans | 0.0958% | 1,555 |
| Credit loss provision to net charge-offs | 102.7397% | 1,587 |
| Earnings coverage of net charge-offs (x) | 17.6712% | 1,564 |
| Efficiency ratio | 65.7734% | 3,845 |
| Assets per employee ($millions) | 4.8757% | 2,485 |
| Cash dividends to net income (ytd only)* | 42.7061% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,892 |
| Loan loss allowance to noncurrent loans | 332.7731% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 2,791 |
| Noncurrent loans to loans | 0.3907% | 4,038 |
| Net loans and leases to total assets | 80.0695% | 799 |
| Net loans and leases to deposits | 92.0495% | 1,341 |
| Net loans and leases to core deposits | 100.1836% | 1,469 |
| Total domestic deposits to total assets | 86.9853% | 2,218 |
| Equity capital to assets | 11.1057% | 2,821 |
| Core capital (leverage) ratio | 11.0739% | 2,340 |
| Tier 1 risk-based capital ratio | 16.0944% | 2,633 |
| Total risk-based capital ratio | 17.3481% | 2,584 |
| Memoranda: | ||
| Average total assets | $375,701,500 | 1,786 |
| Average earning assets | $351,690,500 | 1,769 |
| Average equity | $41,387,500 | 1,787 |
| Average total loans | $304,713,000 | 1,502 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 1,759 |
| Cost of funding earning assets | 0.6005% | 1,354 |
| Net interest margin | 3.8443% | 2,219 |
| Noninterest income to average assets | 0.5166% | 3,219 |
| Noninterest expense to average assets | 2.4148% | 4,479 |
| Loan and lease loss provision to assets | 0.0474% | 3,379 |
| Net operating income to assets | 1.2275% | 1,458 |
| Return on assets (ROA) | 1.2319% | 1,504 |
| Pretax return on assets | 1.6629% | 1,075 |
| Return on Equity (ROE) | 11.4916% | 1,441 |
| Retained earnings to average equity (ytd only) | 7.6863% | 1,023 |
| Net charge-offs to loans | 0.0766% | 2,731 |
| Credit loss provision to net charge-offs | 77.4336% | 2,993 |
| Earnings coverage of net charge-offs (x) | 27.8230% | 1,535 |
| Efficiency ratio | 58.6234% | 5,077 |
| Assets per employee ($millions) | 5.0807% | 2,273 |
| Cash dividends to net income (ytd only)* | 33.1133% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,915 |
| Loan loss allowance to noncurrent loans | 331.2134% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 2,582 |
| Noncurrent loans to loans | 0.3920% | 4,051 |
| Net loans and leases to total assets | 80.0331% | 841 |
| Net loans and leases to deposits | 95.9099% | 1,022 |
| Net loans and leases to core deposits | 104.6146% | 1,189 |
| Total domestic deposits to total assets | 83.4462% | 3,697 |
| Equity capital to assets | 10.9266% | 2,903 |
| Core capital (leverage) ratio | 10.9196% | 2,478 |
| Tier 1 risk-based capital ratio | 15.7453% | 2,808 |
| Total risk-based capital ratio | 16.9989% | 2,746 |
| Memoranda: | ||
| Average total assets | $368,927,400 | 1,779 |
| Average earning assets | $345,735,200 | 1,760 |
| Average equity | $39,550,800 | 1,817 |
| Average total loans | $294,945,200 | 1,483 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 1,753 |
| Cost of funding earning assets | 0.6019% | 1,394 |
| Net interest margin | 3.8487% | 2,195 |
| Noninterest income to average assets | 0.4997% | 3,362 |
| Noninterest expense to average assets | 2.3542% | 4,641 |
| Loan and lease loss provision to assets | 0.0635% | 2,912 |
| Net operating income to assets | 1.2520% | 1,478 |
| Return on assets (ROA) | 1.2557% | 1,522 |
| Pretax return on assets | 1.6951% | 1,116 |
| Return on Equity (ROE) | 11.7711% | 1,440 |
| Retained earnings to average equity (ytd only) | 7.9178% | 1,271 |
| Net charge-offs to loans | 0.0219% | 3,494 |
| Credit loss provision to net charge-offs | 364.5833% | 817 |
| Earnings coverage of net charge-offs (x) | 100.6017% | 626 |
| Efficiency ratio | 57.3108% | 5,196 |
| Assets per employee ($millions) | 5.0569% | 2,231 |
| Cash dividends to net income (ytd only)* | 32.7358% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,771 |
| Loan loss allowance to noncurrent loans | 168.4725% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 2,611 |
| Noncurrent loans to loans | 0.8091% | 2,943 |
| Net loans and leases to total assets | 79.9789% | 822 |
| Net loans and leases to deposits | 93.0486% | 1,298 |
| Net loans and leases to core deposits | 101.1939% | 1,430 |
| Total domestic deposits to total assets | 85.9539% | 2,547 |
| Equity capital to assets | 10.7643% | 3,284 |
| Core capital (leverage) ratio | 10.8008% | 2,715 |
| Tier 1 risk-based capital ratio | 14.6795% | 3,451 |
| Total risk-based capital ratio | 15.9333% | 3,389 |
| Memoranda: | ||
| Average total assets | $367,166,000 | 1,796 |
| Average earning assets | $344,208,250 | 1,773 |
| Average equity | $39,168,250 | 1,848 |
| Average total loans | $292,466,250 | 1,504 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 1,650 |
| Cost of funding earning assets | 0.6012% | 1,405 |
| Net interest margin | 3.8613% | 2,101 |
| Noninterest income to average assets | 0.4841% | 3,474 |
| Noninterest expense to average assets | 2.3815% | 4,611 |
| Loan and lease loss provision to assets | 0.0822% | 2,467 |
| Net operating income to assets | 1.2347% | 1,509 |
| Return on assets (ROA) | 1.2384% | 1,567 |
| Pretax return on assets | 1.6447% | 1,202 |
| Return on Equity (ROE) | 11.6451% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.7531% | 1,364 |
| Net charge-offs to loans | 0.0325% | 3,014 |
| Credit loss provision to net charge-offs | 319.1489% | 891 |
| Earnings coverage of net charge-offs (x) | 66.8298% | 790 |
| Efficiency ratio | 58.0361% | 5,219 |
| Assets per employee ($millions) | 4.9574% | 2,326 |
| Cash dividends to net income (ytd only)* | 33.4219% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 2,742 |
| Loan loss allowance to noncurrent loans | 211.9588% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 2,964 |
| Noncurrent loans to loans | 0.6622% | 3,490 |
| Net loans and leases to total assets | 78.7327% | 972 |
| Net loans and leases to deposits | 90.3616% | 1,551 |
| Net loans and leases to core deposits | 97.7233% | 1,669 |
| Total domestic deposits to total assets | 87.1307% | 2,091 |
| Equity capital to assets | 10.7049% | 3,212 |
| Core capital (leverage) ratio | 10.6849% | 2,747 |
| Tier 1 risk-based capital ratio | 15.7178% | 2,989 |
| Total risk-based capital ratio | 16.9728% | 2,937 |
| Memoranda: | ||
| Average total assets | $364,818,000 | 1,817 |
| Average earning assets | $341,957,670 | 1,790 |
| Average equity | $38,797,330 | 1,873 |
| Average total loans | $288,813,330 | 1,523 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 1,618 |
| Cost of funding earning assets | 0.6017% | 1,426 |
| Net interest margin | 3.8448% | 2,089 |
| Noninterest income to average assets | 0.4618% | 3,563 |
| Noninterest expense to average assets | 2.2914% | 4,909 |
| Loan and lease loss provision to assets | 0.0825% | 2,324 |
| Net operating income to assets | 1.2762% | 1,346 |
| Return on assets (ROA) | 1.2787% | 1,422 |
| Pretax return on assets | 1.6954% | 1,064 |
| Return on Equity (ROE) | 12.0642% | 1,331 |
| Retained earnings to average equity (ytd only) | 8.1327% | 1,521 |
| Net charge-offs to loans | 0.0516% | 2,262 |
| Credit loss provision to net charge-offs | 202.7027% | 1,034 |
| Earnings coverage of net charge-offs (x) | 43.6216% | 922 |
| Efficiency ratio | 56.3548% | 5,488 |
| Assets per employee ($millions) | 4.9673% | 2,399 |
| Cash dividends to net income (ytd only)* | 32.5881% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 2,859 |
| Loan loss allowance to noncurrent loans | 283.8710% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 3,571 |
| Noncurrent loans to loans | 0.4976% | 4,088 |
| Net loans and leases to total assets | 76.8612% | 1,079 |
| Net loans and leases to deposits | 88.0367% | 1,603 |
| Net loans and leases to core deposits | 95.4599% | 1,654 |
| Total domestic deposits to total assets | 87.3058% | 2,211 |
| Equity capital to assets | 10.6038% | 3,418 |
| Core capital (leverage) ratio | 10.6293% | 2,819 |
| Tier 1 risk-based capital ratio | 14.7404% | 3,580 |
| Total risk-based capital ratio | 15.9938% | 3,509 |
| Memoranda: | ||
| Average total assets | $363,802,000 | 1,827 |
| Average earning assets | $341,034,500 | 1,798 |
| Average equity | $38,560,500 | 1,900 |
| Average total loans | $286,748,500 | 1,533 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 1,900 |
| Cost of funding earning assets | 0.6563% | 1,368 |
| Net interest margin | 3.8359% | 2,488 |
| Noninterest income to average assets | 0.5406% | 3,231 |
| Noninterest expense to average assets | 2.2787% | 5,162 |
| Loan and lease loss provision to assets | 0.0621% | 3,276 |
| Net operating income to assets | 1.3131% | 1,279 |
| Return on assets (ROA) | 1.3145% | 1,318 |
| Pretax return on assets | 1.7845% | 821 |
| Return on Equity (ROE) | 13.1412% | 1,104 |
| Retained earnings to average equity (ytd only) | 9.4067% | 622 |
| Net charge-offs to loans | 0.0758% | 3,407 |
| Credit loss provision to net charge-offs | 107.6555% | 2,220 |
| Earnings coverage of net charge-offs (x) | 31.9665% | 1,272 |
| Efficiency ratio | 55.2632% | 5,743 |
| Assets per employee ($millions) | 4.8652% | 2,513 |
| Cash dividends to net income (ytd only)* | 28.4184% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,962 |
| Loan loss allowance to noncurrent loans | 246.6175% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 3,432 |
| Noncurrent loans to loans | 0.5667% | 3,971 |
| Net loans and leases to total assets | 78.5816% | 936 |
| Net loans and leases to deposits | 90.5235% | 1,462 |
| Net loans and leases to core deposits | 97.9996% | 1,550 |
| Total domestic deposits to total assets | 86.8079% | 2,388 |
| Equity capital to assets | 10.5948% | 3,365 |
| Core capital (leverage) ratio | 10.2939% | 3,180 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,791 |
| Total risk-based capital ratio | 15.7265% | 3,727 |
| Memoranda: | ||
| Average total assets | $362,181,000 | 1,798 |
| Average earning assets | $338,275,600 | 1,770 |
| Average equity | $36,229,600 | 1,938 |
| Average total loans | $275,601,000 | 1,544 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,987 |
| Cost of funding earning assets | 0.6582% | 1,402 |
| Net interest margin | 3.8096% | 2,580 |
| Noninterest income to average assets | 0.5290% | 3,326 |
| Noninterest expense to average assets | 2.2323% | 5,277 |
| Loan and lease loss provision to assets | 0.0551% | 3,269 |
| Net operating income to assets | 1.3253% | 1,300 |
| Return on assets (ROA) | 1.3270% | 1,355 |
| Pretax return on assets | 1.8030% | 890 |
| Return on Equity (ROE) | 13.4631% | 1,103 |
| Retained earnings to average equity (ytd only) | 9.6592% | 790 |
| Net charge-offs to loans | -0.0230% | 5,655 |
| Credit loss provision to net charge-offs | -319.1489% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6035% | 5,766 |
| Assets per employee ($millions) | 5.1029% | 2,132 |
| Cash dividends to net income (ytd only)* | 28.2549% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 2,788 |
| Loan loss allowance to noncurrent loans | 153.6854% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 3,405 |
| Noncurrent loans to loans | 0.9675% | 3,148 |
| Net loans and leases to total assets | 76.6385% | 1,145 |
| Net loans and leases to deposits | 88.2205% | 1,641 |
| Net loans and leases to core deposits | 95.6839% | 1,701 |
| Total domestic deposits to total assets | 86.8716% | 2,386 |
| Equity capital to assets | 10.2827% | 3,807 |
| Core capital (leverage) ratio | 10.0673% | 3,574 |
| Tier 1 risk-based capital ratio | 14.6024% | 3,813 |
| Total risk-based capital ratio | 15.8572% | 3,754 |
| Memoranda: | ||
| Average total assets | $362,719,500 | 1,807 |
| Average earning assets | $338,893,250 | 1,780 |
| Average equity | $35,751,000 | 1,968 |
| Average total loans | $272,770,000 | 1,567 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 2,021 |
| Cost of funding earning assets | 0.6575% | 1,453 |
| Net interest margin | 3.7849% | 2,617 |
| Noninterest income to average assets | 0.5628% | 3,030 |
| Noninterest expense to average assets | 2.2731% | 5,222 |
| Loan and lease loss provision to assets | 0.0827% | 2,652 |
| Net operating income to assets | 1.2846% | 1,357 |
| Return on assets (ROA) | 1.2870% | 1,403 |
| Pretax return on assets | 1.7478% | 936 |
| Return on Equity (ROE) | 13.2484% | 1,114 |
| Retained earnings to average equity (ytd only) | 9.3618% | 859 |
| Net charge-offs to loans | -0.0779% | 6,064 |
| Credit loss provision to net charge-offs | -142.8571% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4376% | 5,798 |
| Assets per employee ($millions) | 5.2075% | 1,959 |
| Cash dividends to net income (ytd only)* | 29.3362% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,655 |
| Loan loss allowance to noncurrent loans | 165.9766% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 3,728 |
| Noncurrent loans to loans | 0.9360% | 3,375 |
| Net loans and leases to total assets | 72.8229% | 1,598 |
| Net loans and leases to deposits | 83.1655% | 2,124 |
| Net loans and leases to core deposits | 89.7919% | 2,144 |
| Total domestic deposits to total assets | 87.5639% | 2,163 |
| Equity capital to assets | 9.8004% | 4,356 |
| Core capital (leverage) ratio | 9.7484% | 3,965 |
| Tier 1 risk-based capital ratio | 13.8922% | 4,327 |
| Total risk-based capital ratio | 15.1470% | 4,272 |
| Memoranda: | ||
| Average total assets | $362,857,330 | 1,805 |
| Average earning assets | $339,138,330 | 1,773 |
| Average equity | $35,249,670 | 1,981 |
| Average total loans | $269,741,000 | 1,579 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 1,943 |
| Cost of funding earning assets | 0.6675% | 1,454 |
| Net interest margin | 3.7874% | 2,519 |
| Noninterest income to average assets | 0.5342% | 3,152 |
| Noninterest expense to average assets | 2.2180% | 5,421 |
| Loan and lease loss provision to assets | 0.0835% | 2,507 |
| Net operating income to assets | 1.3427% | 1,116 |
| Return on assets (ROA) | 1.3444% | 1,157 |
| Pretax return on assets | 1.7773% | 830 |
| Return on Equity (ROE) | 13.9022% | 962 |
| Retained earnings to average equity (ytd only) | 9.9548% | 976 |
| Net charge-offs to loans | 0.0119% | 3,369 |
| Credit loss provision to net charge-offs | 937.5000% | 328 |
| Earnings coverage of net charge-offs (x) | 208.7500% | 231 |
| Efficiency ratio | 54.4090% | 5,980 |
| Assets per employee ($millions) | 5.1431% | 2,080 |
| Cash dividends to net income (ytd only)* | 28.3940% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,090 |
| Loan loss allowance to noncurrent loans | 185.1801% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 4,143 |
| Noncurrent loans to loans | 0.8167% | 3,835 |
| Net loans and leases to total assets | 72.4181% | 1,514 |
| Net loans and leases to deposits | 82.5366% | 2,002 |
| Net loans and leases to core deposits | 89.2719% | 1,977 |
| Total domestic deposits to total assets | 87.7405% | 2,391 |
| Equity capital to assets | 9.6639% | 4,280 |
| Core capital (leverage) ratio | 9.7812% | 3,888 |
| Tier 1 risk-based capital ratio | 13.8838% | 4,406 |
| Total risk-based capital ratio | 15.1382% | 4,354 |
| Memoranda: | ||
| Average total assets | $359,420,500 | 1,831 |
| Average earning assets | $336,165,000 | 1,797 |
| Average equity | $34,757,000 | 1,994 |
| Average total loans | $267,862,500 | 1,591 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,610 |
| Cost of funding earning assets | 0.7564% | 1,465 |
| Net interest margin | 3.9294% | 2,184 |
| Noninterest income to average assets | 0.5897% | 3,151 |
| Noninterest expense to average assets | 2.3379% | 5,262 |
| Loan and lease loss provision to assets | 0.1169% | 2,859 |
| Net operating income to assets | 1.3433% | 1,148 |
| Return on assets (ROA) | 1.3446% | 1,181 |
| Pretax return on assets | 1.8078% | 746 |
| Return on Equity (ROE) | 13.9141% | 969 |
| Retained earnings to average equity (ytd only) | 10.1551% | 540 |
| Net charge-offs to loans | 0.1301% | 3,512 |
| Credit loss provision to net charge-offs | 120.8459% | 1,973 |
| Earnings coverage of net charge-offs (x) | 19.8792% | 1,581 |
| Efficiency ratio | 54.8697% | 6,064 |
| Assets per employee ($millions) | 4.9814% | 2,198 |
| Cash dividends to net income (ytd only)* | 27.0159% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,219 |
| Loan loss allowance to noncurrent loans | 196.6519% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 4,353 |
| Noncurrent loans to loans | 0.7600% | 4,067 |
| Net loans and leases to total assets | 74.4253% | 1,289 |
| Net loans and leases to deposits | 85.2902% | 1,776 |
| Net loans and leases to core deposits | 92.5620% | 1,721 |
| Total domestic deposits to total assets | 87.2613% | 2,595 |
| Equity capital to assets | 9.6769% | 4,186 |
| Core capital (leverage) ratio | 9.7059% | 3,975 |
| Tier 1 risk-based capital ratio | 13.5064% | 4,650 |
| Total risk-based capital ratio | 14.7601% | 4,592 |
| Memoranda: | ||
| Average total assets | $342,193,000 | 1,884 |
| Average earning assets | $319,688,800 | 1,861 |
| Average equity | $33,067,200 | 2,082 |
| Average total loans | $254,437,200 | 1,636 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,616 |
| Cost of funding earning assets | 0.7689% | 1,487 |
| Net interest margin | 3.9235% | 2,188 |
| Noninterest income to average assets | 0.5902% | 3,217 |
| Noninterest expense to average assets | 2.3155% | 5,290 |
| Loan and lease loss provision to assets | 0.1277% | 2,694 |
| Net operating income to assets | 1.3652% | 1,186 |
| Return on assets (ROA) | 1.3670% | 1,230 |
| Pretax return on assets | 1.8165% | 866 |
| Return on Equity (ROE) | 14.1515% | 963 |
| Retained earnings to average equity (ytd only) | 10.3604% | 718 |
| Net charge-offs to loans | 0.1385% | 3,156 |
| Credit loss provision to net charge-offs | 124.5211% | 1,894 |
| Earnings coverage of net charge-offs (x) | 18.9349% | 1,651 |
| Efficiency ratio | 54.3886% | 6,072 |
| Assets per employee ($millions) | 5.0471% | 2,107 |
| Cash dividends to net income (ytd only)* | 26.7894% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,354 |
| Loan loss allowance to noncurrent loans | 199.6496% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 4,164 |
| Noncurrent loans to loans | 0.7638% | 4,317 |
| Net loans and leases to total assets | 72.9088% | 1,467 |
| Net loans and leases to deposits | 83.5178% | 1,941 |
| Net loans and leases to core deposits | 90.0448% | 1,959 |
| Total domestic deposits to total assets | 87.2973% | 2,509 |
| Equity capital to assets | 9.5153% | 4,537 |
| Core capital (leverage) ratio | 9.5860% | 4,274 |
| Tier 1 risk-based capital ratio | 13.2998% | 4,902 |
| Total risk-based capital ratio | 14.5539% | 4,838 |
| Memoranda: | ||
| Average total assets | $339,321,750 | 1,907 |
| Average earning assets | $317,159,000 | 1,888 |
| Average equity | $32,777,750 | 2,115 |
| Average total loans | $251,241,500 | 1,657 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 1,551 |
| Cost of funding earning assets | 0.7778% | 1,541 |
| Net interest margin | 3.9282% | 2,117 |
| Noninterest income to average assets | 0.6060% | 3,149 |
| Noninterest expense to average assets | 2.3349% | 5,259 |
| Loan and lease loss provision to assets | 0.1494% | 2,463 |
| Net operating income to assets | 1.3479% | 1,202 |
| Return on assets (ROA) | 1.3506% | 1,278 |
| Pretax return on assets | 1.8012% | 923 |
| Return on Equity (ROE) | 13.9085% | 1,029 |
| Retained earnings to average equity (ytd only) | 10.0929% | 823 |
| Net charge-offs to loans | 0.1905% | 2,615 |
| Credit loss provision to net charge-offs | 105.9322% | 2,090 |
| Earnings coverage of net charge-offs (x) | 13.8051% | 1,873 |
| Efficiency ratio | 54.5290% | 6,102 |
| Assets per employee ($millions) | 4.7793% | 2,411 |
| Cash dividends to net income (ytd only)* | 27.4336% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,289 |
| Loan loss allowance to noncurrent loans | 185.5393% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 3,885 |
| Noncurrent loans to loans | 0.8448% | 4,230 |
| Net loans and leases to total assets | 71.8817% | 1,600 |
| Net loans and leases to deposits | 82.2205% | 2,033 |
| Net loans and leases to core deposits | 88.2638% | 2,078 |
| Total domestic deposits to total assets | 87.4256% | 2,576 |
| Equity capital to assets | 9.5452% | 4,526 |
| Core capital (leverage) ratio | 9.5655% | 4,133 |
| Tier 1 risk-based capital ratio | 13.3744% | 4,858 |
| Total risk-based capital ratio | 14.6288% | 4,808 |
| Memoranda: | ||
| Average total assets | $334,664,000 | 1,936 |
| Average earning assets | $313,175,330 | 1,908 |
| Average equity | $32,498,000 | 2,126 |
| Average total loans | $247,798,000 | 1,673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 1,336 |
| Cost of funding earning assets | 0.7896% | 1,589 |
| Net interest margin | 3.9870% | 1,840 |
| Noninterest income to average assets | 0.6207% | 3,024 |
| Noninterest expense to average assets | 2.2986% | 5,424 |
| Loan and lease loss provision to assets | 0.1819% | 2,034 |
| Net operating income to assets | 1.3996% | 1,022 |
| Return on assets (ROA) | 1.4051% | 1,101 |
| Pretax return on assets | 1.8816% | 762 |
| Return on Equity (ROE) | 14.3423% | 893 |
| Retained earnings to average equity (ytd only) | 10.5061% | 982 |
| Net charge-offs to loans | 0.3885% | 1,482 |
| Credit loss provision to net charge-offs | 62.7615% | 2,399 |
| Earnings coverage of net charge-offs (x) | 7.0962% | 2,117 |
| Efficiency ratio | 52.7840% | 6,331 |
| Assets per employee ($millions) | 4.7455% | 2,575 |
| Cash dividends to net income (ytd only)* | 26.7472% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,546 |
| Loan loss allowance to noncurrent loans | 169.6594% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 4,308 |
| Noncurrent loans to loans | 0.9226% | 4,291 |
| Net loans and leases to total assets | 71.5961% | 1,417 |
| Net loans and leases to deposits | 82.8696% | 1,720 |
| Net loans and leases to core deposits | 88.6934% | 1,835 |
| Total domestic deposits to total assets | 86.3961% | 3,303 |
| Equity capital to assets | 9.6912% | 4,574 |
| Core capital (leverage) ratio | 9.7086% | 3,781 |
| Tier 1 risk-based capital ratio | 13.3465% | 4,976 |
| Total risk-based capital ratio | 14.6009% | 4,926 |
| Memoranda: | ||
| Average total assets | $329,940,500 | 1,992 |
| Average earning assets | $309,005,000 | 1,966 |
| Average equity | $32,324,000 | 2,161 |
| Average total loans | $246,051,000 | 1,692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 1,064 |
| Cost of funding earning assets | 0.8585% | 2,227 |
| Net interest margin | 4.3705% | 1,230 |
| Noninterest income to average assets | 0.6912% | 2,767 |
| Noninterest expense to average assets | 2.3437% | 5,581 |
| Loan and lease loss provision to assets | 0.2801% | 2,411 |
| Net operating income to assets | 1.5500% | 830 |
| Return on assets (ROA) | 1.5498% | 911 |
| Pretax return on assets | 2.1382% | 461 |
| Return on Equity (ROE) | 15.9577% | 668 |
| Retained earnings to average equity (ytd only) | 12.1010% | 315 |
| Net charge-offs to loans | 0.1753% | 3,976 |
| Credit loss provision to net charge-offs | 208.8305% | 1,222 |
| Earnings coverage of net charge-offs (x) | 18.0310% | 1,466 |
| Efficiency ratio | 49.2135% | 6,639 |
| Assets per employee ($millions) | 4.6135% | 2,758 |
| Cash dividends to net income (ytd only)* | 24.1686% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,371 |
| Loan loss allowance to noncurrent loans | 154.7713% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 4,320 |
| Noncurrent loans to loans | 1.0266% | 4,151 |
| Net loans and leases to total assets | 75.2784% | 1,012 |
| Net loans and leases to deposits | 87.5883% | 1,317 |
| Net loans and leases to core deposits | 93.2338% | 1,528 |
| Total domestic deposits to total assets | 85.9457% | 3,380 |
| Equity capital to assets | 9.9072% | 4,305 |
| Core capital (leverage) ratio | 9.6781% | 3,847 |
| Tier 1 risk-based capital ratio | 13.1272% | 5,020 |
| Total risk-based capital ratio | 14.3029% | 5,013 |
| Memoranda: | ||
| Average total assets | $312,364,200 | 2,055 |
| Average earning assets | $290,974,400 | 2,039 |
| Average equity | $30,336,400 | 2,228 |
| Average total loans | $239,040,200 | 1,722 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 1,041 |
| Cost of funding earning assets | 0.8614% | 2,447 |
| Net interest margin | 4.4222% | 1,159 |
| Noninterest income to average assets | 0.6987% | 2,720 |
| Noninterest expense to average assets | 2.2558% | 5,805 |
| Loan and lease loss provision to assets | 0.2583% | 2,509 |
| Net operating income to assets | 1.6784% | 726 |
| Return on assets (ROA) | 1.6780% | 806 |
| Pretax return on assets | 2.2992% | 401 |
| Return on Equity (ROE) | 17.3693% | 566 |
| Retained earnings to average equity (ytd only) | 13.5327% | 344 |
| Net charge-offs to loans | 0.2171% | 3,423 |
| Credit loss provision to net charge-offs | 155.4404% | 1,811 |
| Earnings coverage of net charge-offs (x) | 15.3939% | 1,763 |
| Efficiency ratio | 46.8610% | 6,776 |
| Assets per employee ($millions) | 4.5553% | 2,812 |
| Cash dividends to net income (ytd only)* | 22.0882% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,924 |
| Loan loss allowance to noncurrent loans | 136.1553% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 4,593 |
| Noncurrent loans to loans | 1.1073% | 4,205 |
| Net loans and leases to total assets | 75.4521% | 1,052 |
| Net loans and leases to deposits | 88.0337% | 1,343 |
| Net loans and leases to core deposits | 93.3151% | 1,650 |
| Total domestic deposits to total assets | 85.7081% | 3,409 |
| Equity capital to assets | 9.8506% | 4,709 |
| Core capital (leverage) ratio | 9.5912% | 4,128 |
| Tier 1 risk-based capital ratio | 12.7086% | 5,470 |
| Total risk-based capital ratio | 13.9624% | 5,433 |
| Memoranda: | ||
| Average total assets | $309,718,250 | 2,101 |
| Average earning assets | $288,203,500 | 2,077 |
| Average equity | $29,921,750 | 2,272 |
| Average total loans | $237,041,500 | 1,746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 1,034 |
| Cost of funding earning assets | 0.8644% | 2,694 |
| Net interest margin | 4.4456% | 1,089 |
| Noninterest income to average assets | 0.7396% | 2,472 |
| Noninterest expense to average assets | 2.2794% | 5,798 |
| Loan and lease loss provision to assets | 0.2446% | 2,617 |
| Net operating income to assets | 1.7842% | 583 |
| Return on assets (ROA) | 1.7837% | 653 |
| Pretax return on assets | 2.3439% | 384 |
| Return on Equity (ROE) | 18.5894% | 444 |
| Retained earnings to average equity (ytd only) | 14.8376% | 292 |
| Net charge-offs to loans | 0.1986% | 3,394 |
| Credit loss provision to net charge-offs | 160.9442% | 1,733 |
| Earnings coverage of net charge-offs (x) | 17.0386% | 1,553 |
| Efficiency ratio | 46.8185% | 6,842 |
| Assets per employee ($millions) | 4.5682% | 2,774 |
| Cash dividends to net income (ytd only)* | 20.1828% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 3,939 |
| Loan loss allowance to noncurrent loans | 120.9310% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 4,450 |
| Noncurrent loans to loans | 1.2539% | 4,039 |
| Net loans and leases to total assets | 75.4990% | 1,033 |
| Net loans and leases to deposits | 88.2212% | 1,353 |
| Net loans and leases to core deposits | 94.0237% | 1,600 |
| Total domestic deposits to total assets | 85.5791% | 3,576 |
| Equity capital to assets | 9.8220% | 4,589 |
| Core capital (leverage) ratio | 9.6086% | 3,986 |
| Tier 1 risk-based capital ratio | 12.7521% | 5,378 |
| Total risk-based capital ratio | 14.0059% | 5,344 |
| Memoranda: | ||
| Average total assets | $306,666,330 | 2,114 |
| Average earning assets | $284,823,670 | 2,092 |
| Average equity | $29,425,330 | 2,296 |
| Average total loans | $234,628,670 | 1,759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 994 |
| Cost of funding earning assets | 0.8720% | 2,899 |
| Net interest margin | 4.4856% | 1,041 |
| Noninterest income to average assets | 0.9282% | 1,635 |
| Noninterest expense to average assets | 2.1728% | 6,105 |
| Loan and lease loss provision to assets | 0.1969% | 2,977 |
| Net operating income to assets | 2.0714% | 365 |
| Return on assets (ROA) | 2.0704% | 424 |
| Pretax return on assets | 2.7242% | 248 |
| Return on Equity (ROE) | 21.8402% | 281 |
| Retained earnings to average equity (ytd only) | 18.0178% | 253 |
| Net charge-offs to loans | 0.0017% | 4,723 |
| Credit loss provision to net charge-offs | 15,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,226.0000% | 5 |
| Efficiency ratio | 42.6436% | 7,036 |
| Assets per employee ($millions) | 4.4946% | 3,006 |
| Cash dividends to net income (ytd only)* | 17.5016% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 3,959 |
| Loan loss allowance to noncurrent loans | 208.0506% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 5,480 |
| Noncurrent loans to loans | 0.7432% | 5,182 |
| Net loans and leases to total assets | 74.2859% | 1,017 |
| Net loans and leases to deposits | 86.4408% | 1,370 |
| Net loans and leases to core deposits | 91.8343% | 1,668 |
| Total domestic deposits to total assets | 85.9384% | 3,562 |
| Equity capital to assets | 9.4915% | 4,816 |
| Core capital (leverage) ratio | 9.4933% | 4,057 |
| Tier 1 risk-based capital ratio | 12.3722% | 5,706 |
| Total risk-based capital ratio | 13.6250% | 5,661 |
| Memoranda: | ||
| Average total assets | $304,679,500 | 2,137 |
| Average earning assets | $283,038,500 | 2,112 |
| Average equity | $28,882,500 | 2,330 |
| Average total loans | $232,872,500 | 1,771 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 1,186 |
| Cost of funding earning assets | 1.0718% | 2,867 |
| Net interest margin | 4.4191% | 1,349 |
| Noninterest income to average assets | 0.6218% | 3,054 |
| Noninterest expense to average assets | 2.4972% | 5,474 |
| Loan and lease loss provision to assets | 0.2814% | 3,418 |
| Net operating income to assets | 1.4715% | 880 |
| Return on assets (ROA) | 1.4725% | 958 |
| Pretax return on assets | 1.9497% | 591 |
| Return on Equity (ROE) | 16.4006% | 552 |
| Retained earnings to average equity (ytd only) | 12.5331% | 263 |
| Net charge-offs to loans | 0.0855% | 5,467 |
| Credit loss provision to net charge-offs | 429.6875% | 529 |
| Earnings coverage of net charge-offs (x) | 34.0469% | 762 |
| Efficiency ratio | 52.8287% | 6,628 |
| Assets per employee ($millions) | 4.4661% | 2,971 |
| Cash dividends to net income (ytd only)* | 23.5812% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,042 |
| Loan loss allowance to noncurrent loans | 162.4064% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 5,160 |
| Noncurrent loans to loans | 0.9217% | 4,850 |
| Net loans and leases to total assets | 76.2878% | 912 |
| Net loans and leases to deposits | 88.6560% | 1,299 |
| Net loans and leases to core deposits | 94.3543% | 1,659 |
| Total domestic deposits to total assets | 86.0492% | 3,297 |
| Equity capital to assets | 9.4673% | 4,930 |
| Core capital (leverage) ratio | 9.1517% | 4,546 |
| Tier 1 risk-based capital ratio | 11.8925% | 5,905 |
| Total risk-based capital ratio | 13.1458% | 5,881 |
| Memoranda: | ||
| Average total assets | $293,169,400 | 2,179 |
| Average earning assets | $272,339,200 | 2,153 |
| Average equity | $26,322,200 | 2,452 |
| Average total loans | $224,669,400 | 1,842 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 1,306 |
| Cost of funding earning assets | 1.1161% | 2,870 |
| Net interest margin | 4.3622% | 1,520 |
| Noninterest income to average assets | 0.6322% | 2,979 |
| Noninterest expense to average assets | 2.2839% | 6,079 |
| Loan and lease loss provision to assets | 0.2286% | 3,725 |
| Net operating income to assets | 1.7146% | 608 |
| Return on assets (ROA) | 1.7139% | 666 |
| Pretax return on assets | 2.1728% | 452 |
| Return on Equity (ROE) | 19.3588% | 350 |
| Retained earnings to average equity (ytd only) | 15.5170% | 200 |
| Net charge-offs to loans | 0.0335% | 5,683 |
| Credit loss provision to net charge-offs | 892.8571% | 306 |
| Earnings coverage of net charge-offs (x) | 93.8453% | 382 |
| Efficiency ratio | 48.7367% | 6,909 |
| Assets per employee ($millions) | 4.5104% | 2,891 |
| Cash dividends to net income (ytd only)* | 19.8454% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,358 |
| Loan loss allowance to noncurrent loans | 209.7187% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 5,577 |
| Noncurrent loans to loans | 0.6878% | 5,513 |
| Net loans and leases to total assets | 75.2891% | 1,095 |
| Net loans and leases to deposits | 87.6345% | 1,473 |
| Net loans and leases to core deposits | 93.1166% | 1,873 |
| Total domestic deposits to total assets | 85.9127% | 3,262 |
| Equity capital to assets | 9.3917% | 5,250 |
| Core capital (leverage) ratio | 9.2010% | 4,626 |
| Tier 1 risk-based capital ratio | 11.8409% | 6,010 |
| Total risk-based capital ratio | 13.0935% | 5,990 |
| Memoranda: | ||
| Average total assets | $291,654,250 | 2,200 |
| Average earning assets | $271,048,750 | 2,167 |
| Average equity | $25,820,500 | 2,500 |
| Average total loans | $222,900,500 | 1,865 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 1,431 |
| Cost of funding earning assets | 1.1589% | 2,849 |
| Net interest margin | 4.2855% | 1,721 |
| Noninterest income to average assets | 0.6049% | 3,102 |
| Noninterest expense to average assets | 2.2849% | 6,167 |
| Loan and lease loss provision to assets | 0.2072% | 3,850 |
| Net operating income to assets | 1.6554% | 660 |
| Return on assets (ROA) | 1.6538% | 703 |
| Pretax return on assets | 2.0991% | 491 |
| Return on Equity (ROE) | 19.0776% | 379 |
| Retained earnings to average equity (ytd only) | 15.2063% | 235 |
| Net charge-offs to loans | 0.0145% | 5,642 |
| Credit loss provision to net charge-offs | 1,875.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 208.9375% | 170 |
| Efficiency ratio | 49.7444% | 6,957 |
| Assets per employee ($millions) | 4.2502% | 3,254 |
| Cash dividends to net income (ytd only)* | 20.2923% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,689 |
| Loan loss allowance to noncurrent loans | 135.7112% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 5,292 |
| Noncurrent loans to loans | 1.0157% | 4,961 |
| Net loans and leases to total assets | 76.1197% | 1,060 |
| Net loans and leases to deposits | 89.3926% | 1,338 |
| Net loans and leases to core deposits | 94.9924% | 1,799 |
| Total domestic deposits to total assets | 85.1521% | 3,809 |
| Equity capital to assets | 9.0153% | 5,559 |
| Core capital (leverage) ratio | 8.9527% | 4,803 |
| Tier 1 risk-based capital ratio | 11.3490% | 6,285 |
| Total risk-based capital ratio | 12.6008% | 6,274 |
| Memoranda: | ||
| Average total assets | $289,643,330 | 2,220 |
| Average earning assets | $269,563,000 | 2,185 |
| Average equity | $25,108,000 | 2,548 |
| Average total loans | $221,398,670 | 1,901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3902% | 1,594 |
| Cost of funding earning assets | 1.2154% | 2,713 |
| Net interest margin | 4.1748% | 1,981 |
| Noninterest income to average assets | 0.5851% | 3,269 |
| Noninterest expense to average assets | 2.1679% | 6,492 |
| Loan and lease loss provision to assets | 0.2085% | 3,555 |
| Net operating income to assets | 1.6496% | 627 |
| Return on assets (ROA) | 1.6496% | 661 |
| Pretax return on assets | 2.1040% | 466 |
| Return on Equity (ROE) | 19.4252% | 368 |
| Retained earnings to average equity (ytd only) | 15.4649% | 350 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3871% | 7,103 |
| Assets per employee ($millions) | 4.1495% | 3,542 |
| Cash dividends to net income (ytd only)* | 20.3875% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,858 |
| Loan loss allowance to noncurrent loans | 210.5783% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 5,742 |
| Noncurrent loans to loans | 0.6456% | 5,739 |
| Net loans and leases to total assets | 75.6735% | 1,075 |
| Net loans and leases to deposits | 87.2143% | 1,563 |
| Net loans and leases to core deposits | 92.8844% | 2,024 |
| Total domestic deposits to total assets | 86.7673% | 3,081 |
| Equity capital to assets | 8.7258% | 5,612 |
| Core capital (leverage) ratio | 8.7454% | 5,004 |
| Tier 1 risk-based capital ratio | 11.1984% | 6,352 |
| Total risk-based capital ratio | 12.4495% | 6,324 |
| Memoranda: | ||
| Average total assets | $287,831,500 | 2,250 |
| Average earning assets | $268,562,500 | 2,211 |
| Average equity | $24,442,500 | 2,603 |
| Average total loans | $218,921,000 | 1,935 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 2,453 |
| Cost of funding earning assets | 1.5827% | 2,175 |
| Net interest margin | 3.8736% | 3,621 |
| Noninterest income to average assets | 0.5970% | 3,497 |
| Noninterest expense to average assets | 2.5097% | 5,758 |
| Loan and lease loss provision to assets | 0.2437% | 4,852 |
| Net operating income to assets | 1.1232% | 1,630 |
| Return on assets (ROA) | 1.1255% | 1,702 |
| Pretax return on assets | 1.4623% | 1,475 |
| Return on Equity (ROE) | 13.2562% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.3324% | 633 |
| Net charge-offs to loans | 0.0730% | 6,066 |
| Credit loss provision to net charge-offs | 437.5000% | 531 |
| Earnings coverage of net charge-offs (x) | 30.5724% | 718 |
| Efficiency ratio | 59.5737% | 6,109 |
| Assets per employee ($millions) | 4.3841% | 3,063 |
| Cash dividends to net income (ytd only)* | 29.5995% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 5,000 |
| Loan loss allowance to noncurrent loans | 272.0038% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 6,084 |
| Noncurrent loans to loans | 0.4780% | 6,079 |
| Net loans and leases to total assets | 74.4275% | 1,579 |
| Net loans and leases to deposits | 88.1967% | 1,757 |
| Net loans and leases to core deposits | 94.9244% | 2,140 |
| Total domestic deposits to total assets | 84.3881% | 4,181 |
| Equity capital to assets | 8.2606% | 6,192 |
| Core capital (leverage) ratio | 8.4308% | 5,482 |
| Tier 1 risk-based capital ratio | 10.8703% | 6,430 |
| Total risk-based capital ratio | 12.0868% | 6,429 |
| Memoranda: | ||
| Average total assets | $272,863,400 | 2,338 |
| Average earning assets | $254,696,600 | 2,301 |
| Average equity | $23,166,600 | 2,743 |
| Average total loans | $208,081,200 | 2,087 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4693% | 2,563 |
| Cost of funding earning assets | 1.6496% | 2,107 |
| Net interest margin | 3.8197% | 3,886 |
| Noninterest income to average assets | 0.6043% | 3,414 |
| Noninterest expense to average assets | 2.3606% | 6,149 |
| Loan and lease loss provision to assets | 0.2059% | 4,997 |
| Net operating income to assets | 1.2589% | 1,446 |
| Return on assets (ROA) | 1.2616% | 1,519 |
| Pretax return on assets | 1.6025% | 1,341 |
| Return on Equity (ROE) | 14.7527% | 903 |
| Retained earnings to average equity (ytd only) | 10.8368% | 628 |
| Net charge-offs to loans | 0.0610% | 5,900 |
| Credit loss provision to net charge-offs | 441.4894% | 682 |
| Earnings coverage of net charge-offs (x) | 38.7022% | 702 |
| Efficiency ratio | 56.6698% | 6,462 |
| Assets per employee ($millions) | 4.3497% | 3,171 |
| Cash dividends to net income (ytd only)* | 26.5435% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,307 |
| Loan loss allowance to noncurrent loans | 238.2883% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 6,059 |
| Noncurrent loans to loans | 0.5189% | 6,158 |
| Net loans and leases to total assets | 75.8945% | 1,424 |
| Net loans and leases to deposits | 88.9358% | 1,862 |
| Net loans and leases to core deposits | 94.7617% | 2,412 |
| Total domestic deposits to total assets | 85.3363% | 3,443 |
| Equity capital to assets | 8.6726% | 6,068 |
| Core capital (leverage) ratio | 8.6441% | 5,276 |
| Tier 1 risk-based capital ratio | 10.8879% | 6,471 |
| Total risk-based capital ratio | 12.1100% | 6,480 |
| Memoranda: | ||
| Average total assets | $268,741,750 | 2,407 |
| Average earning assets | $250,554,500 | 2,366 |
| Average equity | $22,982,750 | 2,811 |
| Average total loans | $205,553,250 | 2,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 2,761 |
| Cost of funding earning assets | 1.7062% | 2,088 |
| Net interest margin | 3.7421% | 4,173 |
| Noninterest income to average assets | 0.5913% | 3,401 |
| Noninterest expense to average assets | 2.3033% | 6,342 |
| Loan and lease loss provision to assets | 0.1996% | 4,872 |
| Net operating income to assets | 1.2260% | 1,493 |
| Return on assets (ROA) | 1.2277% | 1,553 |
| Pretax return on assets | 1.5795% | 1,357 |
| Return on Equity (ROE) | 14.4273% | 950 |
| Retained earnings to average equity (ytd only) | 10.4443% | 757 |
| Net charge-offs to loans | 0.0582% | 5,579 |
| Credit loss provision to net charge-offs | 449.1525% | 807 |
| Earnings coverage of net charge-offs (x) | 39.9831% | 730 |
| Efficiency ratio | 56.4519% | 6,580 |
| Assets per employee ($millions) | 4.1884% | 3,405 |
| Cash dividends to net income (ytd only)* | 27.6074% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 5,315 |
| Loan loss allowance to noncurrent loans | 203.2129% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 5,937 |
| Noncurrent loans to loans | 0.6037% | 6,034 |
| Net loans and leases to total assets | 74.8273% | 1,730 |
| Net loans and leases to deposits | 87.6893% | 2,230 |
| Net loans and leases to core deposits | 93.8903% | 2,733 |
| Total domestic deposits to total assets | 85.3322% | 3,449 |
| Equity capital to assets | 8.5229% | 6,136 |
| Core capital (leverage) ratio | 8.6353% | 5,182 |
| Tier 1 risk-based capital ratio | 10.9944% | 6,234 |
| Total risk-based capital ratio | 12.2094% | 6,273 |
| Memoranda: | ||
| Average total assets | $265,528,670 | 2,458 |
| Average earning assets | $247,564,330 | 2,417 |
| Average equity | $22,596,000 | 2,844 |
| Average total loans | $202,764,000 | 2,187 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 2,859 |
| Cost of funding earning assets | 1.7767% | 1,987 |
| Net interest margin | 3.6647% | 4,414 |
| Noninterest income to average assets | 0.5493% | 3,655 |
| Noninterest expense to average assets | 2.3160% | 6,333 |
| Loan and lease loss provision to assets | 0.1755% | 4,764 |
| Net operating income to assets | 1.1678% | 1,620 |
| Return on assets (ROA) | 1.1702% | 1,695 |
| Pretax return on assets | 1.4784% | 1,574 |
| Return on Equity (ROE) | 13.7625% | 1,096 |
| Retained earnings to average equity (ytd only) | 9.7432% | 1,199 |
| Net charge-offs to loans | 0.0219% | 5,270 |
| Credit loss provision to net charge-offs | 1,045.4545% | 446 |
| Earnings coverage of net charge-offs (x) | 98.3636% | 327 |
| Efficiency ratio | 58.3846% | 6,425 |
| Assets per employee ($millions) | 4.0175% | 3,828 |
| Cash dividends to net income (ytd only)* | 29.2047% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,536 |
| Loan loss allowance to noncurrent loans | 234.0446% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 6,098 |
| Noncurrent loans to loans | 0.5096% | 6,272 |
| Net loans and leases to total assets | 75.3849% | 1,663 |
| Net loans and leases to deposits | 88.5919% | 2,113 |
| Net loans and leases to core deposits | 95.1934% | 2,678 |
| Total domestic deposits to total assets | 85.0923% | 3,624 |
| Equity capital to assets | 8.5134% | 5,984 |
| Core capital (leverage) ratio | 8.6000% | 5,198 |
| Tier 1 risk-based capital ratio | 11.0255% | 6,129 |
| Total risk-based capital ratio | 12.2314% | 6,144 |
| Memoranda: | ||
| Average total assets | $262,171,500 | 2,546 |
| Average earning assets | $244,491,500 | 2,498 |
| Average equity | $22,292,500 | 2,909 |
| Average total loans | $201,025,000 | 2,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9364% | 2,100 |
| Cost of funding earning assets | 2.1769% | 2,131 |
| Net interest margin | 3.7595% | 3,876 |
| Noninterest income to average assets | 0.6188% | 3,498 |
| Noninterest expense to average assets | 2.4955% | 6,145 |
| Loan and lease loss provision to assets | 0.2341% | 5,498 |
| Net operating income to assets | 1.0823% | 1,560 |
| Return on assets (ROA) | 1.0856% | 1,598 |
| Pretax return on assets | 1.3984% | 1,441 |
| Return on Equity (ROE) | 11.9859% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.9640% | 710 |
| Net charge-offs to loans | 0.1260% | 5,934 |
| Credit loss provision to net charge-offs | 234.0426% | 1,551 |
| Earnings coverage of net charge-offs (x) | 16.2809% | 1,257 |
| Efficiency ratio | 60.5160% | 6,404 |
| Assets per employee ($millions) | 4.2489% | 3,348 |
| Cash dividends to net income (ytd only)* | 33.5555% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,609 |
| Loan loss allowance to noncurrent loans | 182.0978% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,724 |
| Noncurrent loans to loans | 0.6348% | 5,966 |
| Net loans and leases to total assets | 76.1769% | 1,748 |
| Net loans and leases to deposits | 90.3454% | 2,169 |
| Net loans and leases to core deposits | 121.7722% | 1,801 |
| Total domestic deposits to total assets | 84.3174% | 3,886 |
| Equity capital to assets | 8.4924% | 5,887 |
| Core capital (leverage) ratio | 8.8216% | 4,736 |
| Tier 1 risk-based capital ratio | 11.2145% | 5,703 |
| Total risk-based capital ratio | 12.4187% | 5,714 |
| Memoranda: | ||
| Average total assets | $234,983,400 | 2,767 |
| Average earning assets | $219,072,400 | 2,716 |
| Average equity | $21,283,400 | 3,042 |
| Average total loans | $186,502,600 | 2,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0223% | 1,946 |
| Cost of funding earning assets | 2.2779% | 2,075 |
| Net interest margin | 3.7443% | 3,892 |
| Noninterest income to average assets | 0.6016% | 3,686 |
| Noninterest expense to average assets | 2.4111% | 6,387 |
| Loan and lease loss provision to assets | 0.2330% | 5,109 |
| Net operating income to assets | 1.1399% | 1,610 |
| Return on assets (ROA) | 1.1491% | 1,659 |
| Pretax return on assets | 1.4624% | 1,511 |
| Return on Equity (ROE) | 12.4664% | 1,245 |
| Retained earnings to average equity (ytd only) | 8.4289% | 1,002 |
| Net charge-offs to loans | 0.0779% | 5,900 |
| Credit loss provision to net charge-offs | 373.8318% | 1,080 |
| Earnings coverage of net charge-offs (x) | 27.0193% | 1,007 |
| Efficiency ratio | 58.8821% | 6,578 |
| Assets per employee ($millions) | 4.1369% | 3,490 |
| Cash dividends to net income (ytd only)* | 32.3873% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 5,251 |
| Loan loss allowance to noncurrent loans | 106.0789% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 5,211 |
| Noncurrent loans to loans | 1.1096% | 5,094 |
| Net loans and leases to total assets | 79.9922% | 1,170 |
| Net loans and leases to deposits | 96.8669% | 1,465 |
| Net loans and leases to core deposits | 130.5531% | 1,404 |
| Total domestic deposits to total assets | 82.5795% | 4,408 |
| Equity capital to assets | 9.1222% | 5,303 |
| Core capital (leverage) ratio | 9.0684% | 4,545 |
| Tier 1 risk-based capital ratio | 11.2066% | 5,741 |
| Total risk-based capital ratio | 12.4182% | 5,737 |
| Memoranda: | ||
| Average total assets | $228,933,000 | 2,854 |
| Average earning assets | $213,579,500 | 2,804 |
| Average equity | $21,101,500 | 3,085 |
| Average total loans | $183,191,250 | 2,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0184% | 2,111 |
| Cost of funding earning assets | 2.3533% | 2,149 |
| Net interest margin | 3.6651% | 4,097 |
| Noninterest income to average assets | 0.5673% | 3,914 |
| Noninterest expense to average assets | 2.3972% | 6,465 |
| Loan and lease loss provision to assets | 0.2220% | 4,813 |
| Net operating income to assets | 1.0761% | 1,853 |
| Return on assets (ROA) | 1.0894% | 1,887 |
| Pretax return on assets | 1.3859% | 1,768 |
| Return on Equity (ROE) | 11.7758% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.7066% | 1,315 |
| Net charge-offs to loans | 0.1159% | 5,000 |
| Credit loss provision to net charge-offs | 240.3846% | 1,937 |
| Earnings coverage of net charge-offs (x) | 17.2308% | 1,488 |
| Efficiency ratio | 60.1069% | 6,534 |
| Assets per employee ($millions) | 4.5856% | 2,638 |
| Cash dividends to net income (ytd only)* | 34.5558% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,208 |
| Loan loss allowance to noncurrent loans | 185.3553% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 6,087 |
| Noncurrent loans to loans | 0.6250% | 5,998 |
| Net loans and leases to total assets | 79.6011% | 1,375 |
| Net loans and leases to deposits | 95.3389% | 1,898 |
| Net loans and leases to core deposits | 127.2226% | 1,767 |
| Total domestic deposits to total assets | 83.4928% | 4,018 |
| Equity capital to assets | 9.2214% | 4,977 |
| Core capital (leverage) ratio | 9.2387% | 4,255 |
| Tier 1 risk-based capital ratio | 11.4592% | 5,434 |
| Total risk-based capital ratio | 12.6478% | 5,407 |
| Memoranda: | ||
| Average total assets | $225,263,670 | 2,912 |
| Average earning assets | $210,255,000 | 2,867 |
| Average equity | $20,839,330 | 3,122 |
| Average total loans | $179,515,000 | 2,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0336% | 2,223 |
| Cost of funding earning assets | 2.4073% | 2,261 |
| Net interest margin | 3.6263% | 4,206 |
| Noninterest income to average assets | 0.6343% | 3,317 |
| Noninterest expense to average assets | 2.4851% | 5,894 |
| Loan and lease loss provision to assets | 0.2688% | 3,811 |
| Net operating income to assets | 0.9950% | 2,328 |
| Return on assets (ROA) | 1.0177% | 2,375 |
| Pretax return on assets | 1.2936% | 2,301 |
| Return on Equity (ROE) | 10.9825% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.9607% | 2,223 |
| Net charge-offs to loans | -0.0226% | 7,470 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8368% | 6,087 |
| Assets per employee ($millions) | 3.8069% | 4,076 |
| Cash dividends to net income (ytd only)* | 36.6197% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 4,756 |
| Loan loss allowance to noncurrent loans | 238.6918% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 5,834 |
| Noncurrent loans to loans | 0.5059% | 6,162 |
| Net loans and leases to total assets | 78.4238% | 1,710 |
| Net loans and leases to deposits | 93.5867% | 2,346 |
| Net loans and leases to core deposits | 124.6776% | 2,022 |
| Total domestic deposits to total assets | 83.7981% | 3,803 |
| Equity capital to assets | 9.2534% | 5,005 |
| Core capital (leverage) ratio | 9.1939% | 4,413 |
| Tier 1 risk-based capital ratio | 11.8191% | 5,102 |
| Total risk-based capital ratio | 13.0693% | 5,018 |
| Memoranda: | ||
| Average total assets | $223,254,500 | 2,953 |
| Average earning assets | $208,365,000 | 2,906 |
| Average equity | $20,687,500 | 3,151 |
| Average total loans | $176,947,500 | 2,631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4295% | 3,279 |
| Cost of funding earning assets | 2.7203% | 3,064 |
| Net interest margin | 3.7092% | 4,433 |
| Noninterest income to average assets | 0.7554% | 2,752 |
| Noninterest expense to average assets | 2.5386% | 5,861 |
| Loan and lease loss provision to assets | 0.2725% | 4,214 |
| Net operating income to assets | 1.0960% | 2,163 |
| Return on assets (ROA) | 1.1025% | 2,051 |
| Pretax return on assets | 1.4041% | 1,963 |
| Return on Equity (ROE) | 11.4698% | 1,762 |
| Retained earnings to average equity (ytd only) | 2.4322% | 3,682 |
| Net charge-offs to loans | 0.1153% | 5,107 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 18.3684% | 1,708 |
| Efficiency ratio | 60.3409% | 6,282 |
| Assets per employee ($millions) | 3.8930% | 3,755 |
| Cash dividends to net income (ytd only)* | 78.7944% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,022 |
| Loan loss allowance to noncurrent loans | 153.0722% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 5,125 |
| Noncurrent loans to loans | 0.7415% | 5,176 |
| Net loans and leases to total assets | 78.2343% | 2,073 |
| Net loans and leases to deposits | 94.8816% | 2,638 |
| Net loans and leases to core deposits | 126.4233% | 2,130 |
| Total domestic deposits to total assets | 82.4547% | 4,022 |
| Equity capital to assets | 9.2794% | 4,958 |
| Core capital (leverage) ratio | 9.2255% | 4,402 |
| Tier 1 risk-based capital ratio | 12.1910% | 4,674 |
| Total risk-based capital ratio | 13.4021% | 4,592 |
| Memoranda: | ||
| Average total assets | $209,167,800 | 3,014 |
| Average earning assets | $194,648,800 | 2,965 |
| Average equity | $20,105,000 | 3,214 |
| Average total loans | $164,730,400 | 2,701 |