Home > The Queenstown Bank of Maryland > Performance and Condition Ratios
The Queenstown Bank of Maryland, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 3,237 |
| Cost of funding earning assets | 1.2366% | 2,706 |
| Net interest margin | 3.1870% | 2,907 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.0287% | 3,557 |
| Loan and lease loss provision to assets | -0.1000% | 4,517 |
| Net operating income to assets | 0.9922% | 2,248 |
| Return on assets (ROA) | 0.9150% | 2,466 |
| Pretax return on assets | 1.2336% | 2,053 |
| Return on Equity (ROE) | 10.5400% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.4312% | 2,425 |
| Net charge-offs to loans | 0.0141% | 2,126 |
| Credit loss provision to net charge-offs | -1,219.0476% | 4,570 |
| Earnings coverage of net charge-offs (x) | 131.5079% | 777 |
| Efficiency ratio | 62.2998% | 2,801 |
| Assets per employee ($millions) | 7.0752% | 2,025 |
| Cash dividends to net income (ytd only)* | 48.4696% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,137 |
| Loan loss allowance to noncurrent loans | 371.6336% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 1,891 |
| Noncurrent loans to loans | 0.3962% | 1,795 |
| Net loans and leases to total assets | 66.3500% | 2,218 |
| Net loans and leases to deposits | 76.1684% | 2,439 |
| Net loans and leases to core deposits | 82.4183% | 2,558 |
| Total domestic deposits to total assets | 87.1100% | 1,640 |
| Equity capital to assets | 9.1725% | 2,563 |
| Core capital (leverage) ratio | 11.3708% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8519% | 954 |
| Memoranda: | ||
| Average total assets | $674,879,000 | 1,344 |
| Average earning assets | $633,601,800 | 1,319 |
| Average equity | $58,587,200 | 1,415 |
| Average total loans | $445,435,600 | 1,357 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 3,240 |
| Cost of funding earning assets | 1.1510% | 2,587 |
| Net interest margin | 3.1799% | 2,959 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.0196% | 3,545 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 0.9829% | 2,416 |
| Return on assets (ROA) | 0.9146% | 2,617 |
| Pretax return on assets | 1.2324% | 2,221 |
| Return on Equity (ROE) | 10.6900% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.6114% | 1,788 |
| Net charge-offs to loans | -0.0328% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.1521% | 2,695 |
| Assets per employee ($millions) | 6.9439% | 1,993 |
| Cash dividends to net income (ytd only)* | 19.4288% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 885 |
| Loan loss allowance to noncurrent loans | 1,758.2310% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,213 |
| Noncurrent loans to loans | 0.0910% | 3,124 |
| Net loans and leases to total assets | 65.3600% | 2,304 |
| Net loans and leases to deposits | 74.4286% | 2,529 |
| Net loans and leases to core deposits | 79.9321% | 2,608 |
| Total domestic deposits to total assets | 87.8200% | 1,635 |
| Equity capital to assets | 8.5158% | 2,719 |
| Core capital (leverage) ratio | 11.4847% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2315% | 915 |
| Memoranda: | ||
| Average total assets | $673,795,000 | 1,340 |
| Average earning assets | $632,450,250 | 1,319 |
| Average equity | $57,658,750 | 1,422 |
| Average total loans | $442,444,750 | 1,358 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 3,197 |
| Cost of funding earning assets | 1.0404% | 2,475 |
| Net interest margin | 3.2102% | 2,961 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.0182% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9319% | 2,643 |
| Return on assets (ROA) | 0.9319% | 2,631 |
| Pretax return on assets | 1.2566% | 2,202 |
| Return on Equity (ROE) | 10.8700% | 2,454 |
| Retained earnings to average equity (ytd only) | 7.7633% | 2,050 |
| Net charge-offs to loans | -0.0404% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.6277% | 2,755 |
| Assets per employee ($millions) | 7.1244% | 1,830 |
| Cash dividends to net income (ytd only)* | 28.5987% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 758 |
| Loan loss allowance to noncurrent loans | 1,560.9053% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,057 |
| Noncurrent loans to loans | 0.1087% | 2,935 |
| Net loans and leases to total assets | 64.9400% | 2,286 |
| Net loans and leases to deposits | 73.9763% | 2,497 |
| Net loans and leases to core deposits | 82.0478% | 2,331 |
| Total domestic deposits to total assets | 87.7800% | 1,680 |
| Equity capital to assets | 8.6555% | 2,745 |
| Core capital (leverage) ratio | 11.1432% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8159% | 989 |
| Memoranda: | ||
| Average total assets | $673,873,333 | 1,341 |
| Average earning assets | $632,668,333 | 1,321 |
| Average equity | $57,758,667 | 1,426 |
| Average total loans | $440,788,667 | 1,344 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 3,328 |
| Cost of funding earning assets | 0.8300% | 2,600 |
| Net interest margin | 3.2377% | 3,024 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9911% | 3,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9595% | 2,655 |
| Return on assets (ROA) | 0.9595% | 2,618 |
| Pretax return on assets | 1.2915% | 2,200 |
| Return on Equity (ROE) | 11.2500% | 2,425 |
| Retained earnings to average equity (ytd only) | 11.2508% | 1,414 |
| Net charge-offs to loans | -0.0183% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6560% | 2,867 |
| Assets per employee ($millions) | 7.2311% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 844 |
| Loan loss allowance to noncurrent loans | 3,702.9557% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,484 |
| Noncurrent loans to loans | 0.0455% | 3,410 |
| Net loans and leases to total assets | 63.1600% | 2,341 |
| Net loans and leases to deposits | 71.8171% | 2,481 |
| Net loans and leases to core deposits | 77.2113% | 2,441 |
| Total domestic deposits to total assets | 87.9400% | 1,946 |
| Equity capital to assets | 8.5313% | 2,868 |
| Core capital (leverage) ratio | 11.3929% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6873% | 1,041 |
| Memoranda: | ||
| Average total assets | $672,401,000 | 1,358 |
| Average earning assets | $630,819,500 | 1,342 |
| Average equity | $57,347,000 | 1,447 |
| Average total loans | $437,627,000 | 1,359 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 2,759 |
| Cost of funding earning assets | 0.2488% | 3,332 |
| Net interest margin | 3.3670% | 2,356 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.9925% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0646% | 2,321 |
| Return on assets (ROA) | 1.0646% | 2,264 |
| Pretax return on assets | 1.4355% | 1,675 |
| Return on Equity (ROE) | 11.6800% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.3901% | 2,499 |
| Net charge-offs to loans | -0.0404% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.1232% | 3,322 |
| Assets per employee ($millions) | 6.6390% | 2,233 |
| Cash dividends to net income (ytd only)* | 45.2881% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 709 |
| Loan loss allowance to noncurrent loans | 3,782.5000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,503 |
| Noncurrent loans to loans | 0.0466% | 3,416 |
| Net loans and leases to total assets | 64.8200% | 2,164 |
| Net loans and leases to deposits | 71.9415% | 2,410 |
| Net loans and leases to core deposits | 76.5331% | 2,384 |
| Total domestic deposits to total assets | 90.1000% | 1,320 |
| Equity capital to assets | 8.5259% | 2,689 |
| Core capital (leverage) ratio | 11.2661% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8928% | 994 |
| Memoranda: | ||
| Average total assets | $661,845,000 | 1,358 |
| Average earning assets | $623,079,800 | 1,345 |
| Average equity | $60,327,800 | 1,393 |
| Average total loans | $406,202,600 | 1,378 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 2,802 |
| Cost of funding earning assets | 0.2076% | 3,182 |
| Net interest margin | 3.2323% | 2,523 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9476% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0074% | 2,455 |
| Return on assets (ROA) | 1.0074% | 2,422 |
| Pretax return on assets | 1.3543% | 1,870 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.1447% | 1,602 |
| Net charge-offs to loans | -0.0356% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9854% | 3,250 |
| Assets per employee ($millions) | 6.9913% | 1,947 |
| Cash dividends to net income (ytd only)* | 15.9498% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 759 |
| Loan loss allowance to noncurrent loans | 938.6250% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 2,643 |
| Noncurrent loans to loans | 0.1896% | 2,649 |
| Net loans and leases to total assets | 63.0500% | 2,184 |
| Net loans and leases to deposits | 69.1588% | 2,441 |
| Net loans and leases to core deposits | 71.7203% | 2,505 |
| Total domestic deposits to total assets | 91.1600% | 1,171 |
| Equity capital to assets | 8.3190% | 2,665 |
| Core capital (leverage) ratio | 11.1512% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8432% | 1,021 |
| Memoranda: | ||
| Average total assets | $664,651,500 | 1,359 |
| Average earning assets | $626,791,500 | 1,342 |
| Average equity | $61,542,000 | 1,392 |
| Average total loans | $400,426,750 | 1,383 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 2,886 |
| Cost of funding earning assets | 0.1964% | 2,966 |
| Net interest margin | 3.0593% | 2,682 |
| Noninterest income to average assets | 0.2506% | 3,670 |
| Noninterest expense to average assets | 1.9006% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9263% | 2,462 |
| Return on assets (ROA) | 0.9263% | 2,437 |
| Pretax return on assets | 1.2411% | 1,929 |
| Return on Equity (ROE) | 9.6816% | 2,464 |
| Retained earnings to average equity (ytd only) | 7.7986% | 1,691 |
| Net charge-offs to loans | -0.0432% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4962% | 3,236 |
| Assets per employee ($millions) | 7.1026% | 1,877 |
| Cash dividends to net income (ytd only)* | 19.4498% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 739 |
| Loan loss allowance to noncurrent loans | 664.3301% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,439 |
| Noncurrent loans to loans | 0.2785% | 2,353 |
| Net loans and leases to total assets | 59.5003% | 2,380 |
| Net loans and leases to deposits | 65.5889% | 2,582 |
| Net loans and leases to core deposits | 68.9703% | 2,571 |
| Total domestic deposits to total assets | 90.7170% | 1,374 |
| Equity capital to assets | 8.8052% | 2,528 |
| Core capital (leverage) ratio | 10.8605% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9889% | 993 |
| Memoranda: | ||
| Average total assets | $667,142,333 | 1,363 |
| Average earning assets | $630,465,000 | 1,352 |
| Average equity | $63,832,333 | 1,376 |
| Average total loans | $393,291,667 | 1,399 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1393% | 2,857 |
| Cost of funding earning assets | 0.2012% | 2,783 |
| Net interest margin | 2.9381% | 2,712 |
| Noninterest income to average assets | 0.2423% | 3,691 |
| Noninterest expense to average assets | 1.8414% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8835% | 2,344 |
| Return on assets (ROA) | 0.8835% | 2,343 |
| Pretax return on assets | 1.1858% | 1,853 |
| Return on Equity (ROE) | 8.8795% | 2,362 |
| Retained earnings to average equity (ytd only) | 8.8795% | 1,303 |
| Net charge-offs to loans | -0.0227% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8282% | 3,395 |
| Assets per employee ($millions) | 7.3447% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 738 |
| Loan loss allowance to noncurrent loans | 595.2686% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,519 |
| Noncurrent loans to loans | 0.3197% | 2,322 |
| Net loans and leases to total assets | 56.6235% | 2,466 |
| Net loans and leases to deposits | 62.8074% | 2,640 |
| Net loans and leases to core deposits | 65.7771% | 2,651 |
| Total domestic deposits to total assets | 90.1542% | 1,477 |
| Equity capital to assets | 9.3130% | 2,431 |
| Core capital (leverage) ratio | 10.9836% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0598% | 1,029 |
| Memoranda: | ||
| Average total assets | $666,892,500 | 1,371 |
| Average earning assets | $632,106,000 | 1,359 |
| Average equity | $66,355,000 | 1,382 |
| Average total loans | $387,569,500 | 1,404 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 2,430 |
| Cost of funding earning assets | 0.2972% | 2,433 |
| Net interest margin | 3.2867% | 2,349 |
| Noninterest income to average assets | 0.2653% | 3,792 |
| Noninterest expense to average assets | 1.8822% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1155% | 2,225 |
| Return on assets (ROA) | 1.1155% | 2,290 |
| Pretax return on assets | 1.5038% | 1,713 |
| Return on Equity (ROE) | 10.0400% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.7211% | 2,466 |
| Net charge-offs to loans | -0.0586% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5881% | 3,747 |
| Assets per employee ($millions) | 7.0761% | 1,880 |
| Cash dividends to net income (ytd only)* | 43.0169% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 697 |
| Loan loss allowance to noncurrent loans | 393.0430% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 2,109 |
| Noncurrent loans to loans | 0.4890% | 1,905 |
| Net loans and leases to total assets | 57.3953% | 2,437 |
| Net loans and leases to deposits | 64.5747% | 2,637 |
| Net loans and leases to core deposits | 67.7183% | 2,678 |
| Total domestic deposits to total assets | 88.8821% | 1,584 |
| Equity capital to assets | 10.6038% | 2,084 |
| Core capital (leverage) ratio | 10.7676% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3911% | 981 |
| Memoranda: | ||
| Average total assets | $625,212,800 | 1,404 |
| Average earning assets | $593,634,200 | 1,387 |
| Average equity | $69,462,000 | 1,357 |
| Average total loans | $394,024,000 | 1,396 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5802% | 2,611 |
| Cost of funding earning assets | 0.3174% | 2,432 |
| Net interest margin | 3.2628% | 2,539 |
| Noninterest income to average assets | 0.2714% | 3,793 |
| Noninterest expense to average assets | 1.8660% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1168% | 2,491 |
| Return on assets (ROA) | 1.1168% | 2,544 |
| Pretax return on assets | 1.5021% | 1,984 |
| Return on Equity (ROE) | 9.9312% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.7782% | 1,775 |
| Net charge-offs to loans | -0.0195% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4023% | 3,609 |
| Assets per employee ($millions) | 7.2946% | 1,682 |
| Cash dividends to net income (ytd only)* | 11.6099% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 779 |
| Loan loss allowance to noncurrent loans | 312.2246% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 2,042 |
| Noncurrent loans to loans | 0.6075% | 1,788 |
| Net loans and leases to total assets | 56.3151% | 2,692 |
| Net loans and leases to deposits | 63.4103% | 2,916 |
| Net loans and leases to core deposits | 67.4879% | 2,819 |
| Total domestic deposits to total assets | 88.8107% | 1,392 |
| Equity capital to assets | 10.7018% | 2,263 |
| Core capital (leverage) ratio | 11.1064% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4127% | 895 |
| Memoranda: | ||
| Average total assets | $616,997,750 | 1,435 |
| Average earning assets | $585,573,750 | 1,420 |
| Average equity | $69,382,250 | 1,375 |
| Average total loans | $396,254,000 | 1,414 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 2,589 |
| Cost of funding earning assets | 0.3484% | 2,330 |
| Net interest margin | 3.2624% | 2,572 |
| Noninterest income to average assets | 0.2774% | 3,753 |
| Noninterest expense to average assets | 1.9209% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0815% | 2,600 |
| Return on assets (ROA) | 1.0815% | 2,673 |
| Pretax return on assets | 1.4516% | 2,169 |
| Return on Equity (ROE) | 9.4494% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.7060% | 2,191 |
| Net charge-offs to loans | -0.0045% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9569% | 3,413 |
| Assets per employee ($millions) | 6.6162% | 2,085 |
| Cash dividends to net income (ytd only)* | 18.4502% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 875 |
| Loan loss allowance to noncurrent loans | 346.1427% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 2,267 |
| Noncurrent loans to loans | 0.5214% | 2,113 |
| Net loans and leases to total assets | 62.8032% | 2,084 |
| Net loans and leases to deposits | 71.1635% | 2,286 |
| Net loans and leases to core deposits | 75.8412% | 2,254 |
| Total domestic deposits to total assets | 88.2519% | 1,696 |
| Equity capital to assets | 11.2639% | 1,783 |
| Core capital (leverage) ratio | 11.4478% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6193% | 871 |
| Memoranda: | ||
| Average total assets | $601,393,333 | 1,457 |
| Average earning assets | $570,563,333 | 1,439 |
| Average equity | $68,829,667 | 1,373 |
| Average total loans | $401,320,667 | 1,405 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 2,446 |
| Cost of funding earning assets | 0.3870% | 2,204 |
| Net interest margin | 3.2809% | 2,442 |
| Noninterest income to average assets | 0.2463% | 3,919 |
| Noninterest expense to average assets | 1.9393% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0515% | 2,630 |
| Return on assets (ROA) | 1.0515% | 2,708 |
| Pretax return on assets | 1.4224% | 2,217 |
| Return on Equity (ROE) | 9.1120% | 2,998 |
| Retained earnings to average equity (ytd only) | 9.1120% | 1,915 |
| Net charge-offs to loans | -0.0447% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6892% | 3,349 |
| Assets per employee ($millions) | 6.3716% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 901 |
| Loan loss allowance to noncurrent loans | 278.1419% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,116 |
| Noncurrent loans to loans | 0.6413% | 1,967 |
| Net loans and leases to total assets | 65.6362% | 1,841 |
| Net loans and leases to deposits | 74.5128% | 2,066 |
| Net loans and leases to core deposits | 80.0669% | 1,997 |
| Total domestic deposits to total assets | 88.0872% | 1,805 |
| Equity capital to assets | 11.2837% | 1,667 |
| Core capital (leverage) ratio | 11.8533% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1906% | 767 |
| Memoranda: | ||
| Average total assets | $591,128,000 | 1,467 |
| Average earning assets | $561,305,000 | 1,446 |
| Average equity | $68,218,000 | 1,376 |
| Average total loans | $403,097,500 | 1,400 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,306 |
| Cost of funding earning assets | 0.5394% | 2,688 |
| Net interest margin | 3.6029% | 2,134 |
| Noninterest income to average assets | 0.2636% | 3,898 |
| Noninterest expense to average assets | 2.0116% | 4,118 |
| Loan and lease loss provision to assets | 0.3006% | 1,247 |
| Net operating income to assets | 1.0172% | 2,228 |
| Return on assets (ROA) | 1.0172% | 2,369 |
| Pretax return on assets | 1.3647% | 1,773 |
| Return on Equity (ROE) | 7.9941% | 2,822 |
| Retained earnings to average equity (ytd only) | 3.5807% | 3,046 |
| Net charge-offs to loans | 0.0455% | 2,154 |
| Credit loss provision to net charge-offs | 879.1209% | 842 |
| Earnings coverage of net charge-offs (x) | 48.7033% | 1,226 |
| Efficiency ratio | 54.7085% | 4,128 |
| Assets per employee ($millions) | 6.1378% | 2,223 |
| Cash dividends to net income (ytd only)* | 55.2087% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 881 |
| Loan loss allowance to noncurrent loans | 263.2159% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 2,146 |
| Noncurrent loans to loans | 0.6782% | 1,991 |
| Net loans and leases to total assets | 68.3785% | 1,778 |
| Net loans and leases to deposits | 78.0099% | 2,068 |
| Net loans and leases to core deposits | 84.2999% | 2,010 |
| Total domestic deposits to total assets | 87.6537% | 1,632 |
| Equity capital to assets | 11.8095% | 1,675 |
| Core capital (leverage) ratio | 11.8909% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6357% | 817 |
| Memoranda: | ||
| Average total assets | $532,267,800 | 1,469 |
| Average earning assets | $504,267,400 | 1,446 |
| Average equity | $67,725,000 | 1,328 |
| Average total loans | $399,973,400 | 1,353 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,252 |
| Cost of funding earning assets | 0.5713% | 2,794 |
| Net interest margin | 3.6762% | 2,021 |
| Noninterest income to average assets | 0.2656% | 3,875 |
| Noninterest expense to average assets | 2.0134% | 4,120 |
| Loan and lease loss provision to assets | 0.2558% | 1,589 |
| Net operating income to assets | 1.1023% | 1,972 |
| Return on assets (ROA) | 1.1023% | 2,100 |
| Pretax return on assets | 1.4771% | 1,497 |
| Return on Equity (ROE) | 8.4940% | 2,601 |
| Retained earnings to average equity (ytd only) | 7.3149% | 1,580 |
| Net charge-offs to loans | 0.0731% | 1,579 |
| Credit loss provision to net charge-offs | 456.6210% | 1,352 |
| Earnings coverage of net charge-offs (x) | 30.9269% | 1,554 |
| Efficiency ratio | 53.7427% | 4,175 |
| Assets per employee ($millions) | 6.1376% | 2,149 |
| Cash dividends to net income (ytd only)* | 13.8812% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 1,003 |
| Loan loss allowance to noncurrent loans | 225.3968% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 2,139 |
| Noncurrent loans to loans | 0.7275% | 1,983 |
| Net loans and leases to total assets | 70.1558% | 1,923 |
| Net loans and leases to deposits | 80.7119% | 2,235 |
| Net loans and leases to core deposits | 87.5799% | 2,180 |
| Total domestic deposits to total assets | 86.9212% | 1,702 |
| Equity capital to assets | 12.4233% | 1,456 |
| Core capital (leverage) ratio | 12.4643% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6988% | 709 |
| Memoranda: | ||
| Average total assets | $521,097,250 | 1,472 |
| Average earning assets | $493,397,000 | 1,447 |
| Average equity | $67,622,500 | 1,318 |
| Average total loans | $399,546,750 | 1,345 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 2,299 |
| Cost of funding earning assets | 0.5978% | 2,976 |
| Net interest margin | 3.7674% | 1,928 |
| Noninterest income to average assets | 0.2635% | 3,892 |
| Noninterest expense to average assets | 2.0758% | 4,082 |
| Loan and lease loss provision to assets | 0.1573% | 2,423 |
| Net operating income to assets | 1.1974% | 1,646 |
| Return on assets (ROA) | 1.1974% | 1,774 |
| Pretax return on assets | 1.5937% | 1,240 |
| Return on Equity (ROE) | 9.0849% | 2,330 |
| Retained earnings to average equity (ytd only) | 7.3007% | 1,538 |
| Net charge-offs to loans | 0.1355% | 1,035 |
| Credit loss provision to net charge-offs | 147.6015% | 2,143 |
| Earnings coverage of net charge-offs (x) | 16.4317% | 1,861 |
| Efficiency ratio | 54.2437% | 4,154 |
| Assets per employee ($millions) | 5.8463% | 2,317 |
| Cash dividends to net income (ytd only)* | 19.6388% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,436 |
| Loan loss allowance to noncurrent loans | 149.1504% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 1,715 |
| Noncurrent loans to loans | 0.9679% | 1,598 |
| Net loans and leases to total assets | 73.0551% | 1,547 |
| Net loans and leases to deposits | 84.1761% | 1,982 |
| Net loans and leases to core deposits | 92.1929% | 1,887 |
| Total domestic deposits to total assets | 86.7884% | 1,703 |
| Equity capital to assets | 12.4133% | 1,421 |
| Core capital (leverage) ratio | 12.9129% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1556% | 756 |
| Memoranda: | ||
| Average total assets | $508,622,000 | 1,479 |
| Average earning assets | $481,069,333 | 1,455 |
| Average equity | $67,034,333 | 1,314 |
| Average total loans | $399,939,667 | 1,324 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 2,059 |
| Cost of funding earning assets | 0.6121% | 3,370 |
| Net interest margin | 3.9686% | 1,483 |
| Noninterest income to average assets | 0.2614% | 3,974 |
| Noninterest expense to average assets | 2.1215% | 4,177 |
| Loan and lease loss provision to assets | 0.0819% | 2,675 |
| Net operating income to assets | 1.3643% | 1,069 |
| Return on assets (ROA) | 1.3643% | 1,150 |
| Pretax return on assets | 1.8035% | 693 |
| Return on Equity (ROE) | 10.0237% | 1,744 |
| Retained earnings to average equity (ytd only) | 10.0237% | 745 |
| Net charge-offs to loans | 0.0747% | 1,277 |
| Credit loss provision to net charge-offs | 135.1351% | 1,641 |
| Earnings coverage of net charge-offs (x) | 31.0946% | 1,155 |
| Efficiency ratio | 52.9448% | 4,477 |
| Assets per employee ($millions) | 5.5299% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,506 |
| Loan loss allowance to noncurrent loans | 142.2102% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 1,677 |
| Noncurrent loans to loans | 1.0246% | 1,619 |
| Net loans and leases to total assets | 77.6552% | 1,032 |
| Net loans and leases to deposits | 90.3384% | 1,468 |
| Net loans and leases to core deposits | 99.8079% | 1,488 |
| Total domestic deposits to total assets | 85.9603% | 2,014 |
| Equity capital to assets | 13.3738% | 1,271 |
| Core capital (leverage) ratio | 13.8811% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7216% | 896 |
| Memoranda: | ||
| Average total assets | $488,156,000 | 1,495 |
| Average earning assets | $460,713,000 | 1,464 |
| Average equity | $66,442,500 | 1,321 |
| Average total loans | $396,230,500 | 1,300 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 1,753 |
| Cost of funding earning assets | 0.5568% | 3,841 |
| Net interest margin | 4.3405% | 1,001 |
| Noninterest income to average assets | 0.3023% | 3,881 |
| Noninterest expense to average assets | 2.1983% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6085% | 825 |
| Return on assets (ROA) | 1.6085% | 881 |
| Pretax return on assets | 2.1893% | 390 |
| Return on Equity (ROE) | 11.7900% | 1,588 |
| Retained earnings to average equity (ytd only) | 6.8951% | 1,430 |
| Net charge-offs to loans | 0.0548% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 47.9486% | 1,158 |
| Efficiency ratio | 50.1021% | 4,725 |
| Assets per employee ($millions) | 5.0870% | 2,471 |
| Cash dividends to net income (ytd only)* | 41.5174% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,355 |
| Loan loss allowance to noncurrent loans | 141.2574% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 1,449 |
| Noncurrent loans to loans | 1.0285% | 1,475 |
| Net loans and leases to total assets | 82.4691% | 495 |
| Net loans and leases to deposits | 96.3555% | 910 |
| Net loans and leases to core deposits | 103.4134% | 1,280 |
| Total domestic deposits to total assets | 85.5883% | 2,244 |
| Equity capital to assets | 13.8632% | 1,151 |
| Core capital (leverage) ratio | 13.8842% | 958 |
| Tier 1 risk-based capital ratio | 18.0109% | 1,755 |
| Total risk-based capital ratio | 19.2651% | 1,711 |
| Memoranda: | ||
| Average total assets | $468,686,600 | 1,500 |
| Average earning assets | $441,125,200 | 1,479 |
| Average equity | $63,944,200 | 1,318 |
| Average total loans | $390,753,400 | 1,292 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,762 |
| Cost of funding earning assets | 0.5451% | 3,961 |
| Net interest margin | 4.3743% | 999 |
| Noninterest income to average assets | 0.3051% | 3,915 |
| Noninterest expense to average assets | 2.1911% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6367% | 849 |
| Return on assets (ROA) | 1.6367% | 895 |
| Pretax return on assets | 2.2284% | 430 |
| Return on Equity (ROE) | 12.0458% | 1,604 |
| Retained earnings to average equity (ytd only) | 10.3355% | 672 |
| Net charge-offs to loans | 0.0315% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 84.9481% | 832 |
| Efficiency ratio | 49.5774% | 4,768 |
| Assets per employee ($millions) | 5.0401% | 2,507 |
| Cash dividends to net income (ytd only)* | 14.1986% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,230 |
| Loan loss allowance to noncurrent loans | 132.3271% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 1,411 |
| Noncurrent loans to loans | 1.1390% | 1,393 |
| Net loans and leases to total assets | 81.0248% | 707 |
| Net loans and leases to deposits | 94.8452% | 1,144 |
| Net loans and leases to core deposits | 101.8404% | 1,518 |
| Total domestic deposits to total assets | 85.4285% | 2,242 |
| Equity capital to assets | 13.9501% | 1,170 |
| Core capital (leverage) ratio | 14.1520% | 947 |
| Tier 1 risk-based capital ratio | 18.3625% | 1,721 |
| Total risk-based capital ratio | 19.6172% | 1,689 |
| Memoranda: | ||
| Average total assets | $467,584,500 | 1,509 |
| Average earning assets | $439,801,500 | 1,489 |
| Average equity | $63,533,750 | 1,319 |
| Average total loans | $389,464,500 | 1,306 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 1,714 |
| Cost of funding earning assets | 0.5297% | 3,990 |
| Net interest margin | 4.3832% | 970 |
| Noninterest income to average assets | 0.2788% | 4,066 |
| Noninterest expense to average assets | 2.1799% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6347% | 843 |
| Return on assets (ROA) | 1.6347% | 880 |
| Pretax return on assets | 2.2263% | 421 |
| Return on Equity (ROE) | 12.1408% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.5403% | 897 |
| Net charge-offs to loans | 0.0539% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 49.3524% | 1,105 |
| Efficiency ratio | 49.4735% | 4,812 |
| Assets per employee ($millions) | 4.9948% | 2,485 |
| Cash dividends to net income (ytd only)* | 21.4192% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,320 |
| Loan loss allowance to noncurrent loans | 116.5639% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 1,190 |
| Noncurrent loans to loans | 1.2739% | 1,239 |
| Net loans and leases to total assets | 82.8316% | 497 |
| Net loans and leases to deposits | 96.5837% | 973 |
| Net loans and leases to core deposits | 103.2660% | 1,445 |
| Total domestic deposits to total assets | 85.7615% | 2,152 |
| Equity capital to assets | 13.6617% | 1,257 |
| Core capital (leverage) ratio | 13.8500% | 1,009 |
| Tier 1 risk-based capital ratio | 17.5354% | 1,931 |
| Total risk-based capital ratio | 18.7898% | 1,891 |
| Memoranda: | ||
| Average total assets | $465,524,000 | 1,521 |
| Average earning assets | $438,353,330 | 1,498 |
| Average equity | $62,681,330 | 1,325 |
| Average total loans | $389,372,000 | 1,308 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 1,579 |
| Cost of funding earning assets | 0.5229% | 3,961 |
| Net interest margin | 4.3797% | 943 |
| Noninterest income to average assets | 0.2813% | 3,998 |
| Noninterest expense to average assets | 2.1237% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6853% | 754 |
| Return on assets (ROA) | 1.6853% | 780 |
| Pretax return on assets | 2.2851% | 369 |
| Return on Equity (ROE) | 12.6101% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.6101% | 527 |
| Net charge-offs to loans | 0.0455% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 60.1818% | 913 |
| Efficiency ratio | 48.1699% | 4,937 |
| Assets per employee ($millions) | 4.9157% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,296 |
| Loan loss allowance to noncurrent loans | 123.9431% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 1,250 |
| Noncurrent loans to loans | 1.2206% | 1,348 |
| Net loans and leases to total assets | 83.4344% | 428 |
| Net loans and leases to deposits | 97.2851% | 863 |
| Net loans and leases to core deposits | 103.9016% | 1,323 |
| Total domestic deposits to total assets | 85.7628% | 2,381 |
| Equity capital to assets | 13.6301% | 1,162 |
| Core capital (leverage) ratio | 13.6126% | 1,055 |
| Tier 1 risk-based capital ratio | 17.5369% | 1,931 |
| Total risk-based capital ratio | 18.7919% | 1,879 |
| Memoranda: | ||
| Average total assets | $463,531,500 | 1,538 |
| Average earning assets | $436,829,500 | 1,516 |
| Average equity | $61,950,500 | 1,337 |
| Average total loans | $386,676,000 | 1,323 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,813 |
| Cost of funding earning assets | 0.4817% | 3,468 |
| Net interest margin | 4.2212% | 1,346 |
| Noninterest income to average assets | 0.2673% | 4,325 |
| Noninterest expense to average assets | 2.1088% | 4,540 |
| Loan and lease loss provision to assets | 0.0637% | 2,886 |
| Net operating income to assets | 1.5388% | 1,022 |
| Return on assets (ROA) | 1.5388% | 1,013 |
| Pretax return on assets | 2.1076% | 432 |
| Return on Equity (ROE) | 12.0579% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.0740% | 2,727 |
| Net charge-offs to loans | -0.0980% | 5,146 |
| Credit loss provision to net charge-offs | -81.0811% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2708% | 4,982 |
| Assets per employee ($millions) | 4.8946% | 2,623 |
| Cash dividends to net income (ytd only)* | 57.9194% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,111 |
| Loan loss allowance to noncurrent loans | 164.2169% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 1,763 |
| Noncurrent loans to loans | 0.9513% | 1,695 |
| Net loans and leases to total assets | 80.8482% | 820 |
| Net loans and leases to deposits | 93.5694% | 1,328 |
| Net loans and leases to core deposits | 101.4338% | 1,612 |
| Total domestic deposits to total assets | 86.4045% | 2,053 |
| Equity capital to assets | 13.1013% | 1,295 |
| Core capital (leverage) ratio | 12.9464% | 1,270 |
| Tier 1 risk-based capital ratio | 17.3797% | 1,928 |
| Total risk-based capital ratio | 18.6353% | 1,886 |
| Memoranda: | ||
| Average total assets | $471,020,600 | 1,487 |
| Average earning assets | $447,759,000 | 1,457 |
| Average equity | $60,110,200 | 1,321 |
| Average total loans | $377,651,800 | 1,317 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,828 |
| Cost of funding earning assets | 0.4694% | 3,398 |
| Net interest margin | 4.1820% | 1,411 |
| Noninterest income to average assets | 0.2613% | 4,404 |
| Noninterest expense to average assets | 2.0759% | 4,598 |
| Loan and lease loss provision to assets | 0.0846% | 2,275 |
| Net operating income to assets | 1.5273% | 1,129 |
| Return on assets (ROA) | 1.5273% | 1,130 |
| Pretax return on assets | 2.0849% | 502 |
| Return on Equity (ROE) | 12.0471% | 1,777 |
| Retained earnings to average equity (ytd only) | 7.3311% | 1,956 |
| Net charge-offs to loans | -0.0857% | 5,120 |
| Credit loss provision to net charge-offs | -123.9669% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8967% | 5,004 |
| Assets per employee ($millions) | 5.0098% | 2,454 |
| Cash dividends to net income (ytd only)* | 39.1465% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 1,164 |
| Loan loss allowance to noncurrent loans | 148.6129% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 1,751 |
| Noncurrent loans to loans | 1.0516% | 1,618 |
| Net loans and leases to total assets | 78.0997% | 1,329 |
| Net loans and leases to deposits | 90.3067% | 1,857 |
| Net loans and leases to core deposits | 99.3294% | 1,843 |
| Total domestic deposits to total assets | 86.4828% | 1,974 |
| Equity capital to assets | 12.9785% | 1,352 |
| Core capital (leverage) ratio | 12.9149% | 1,318 |
| Tier 1 risk-based capital ratio | 17.7389% | 1,861 |
| Total risk-based capital ratio | 18.9946% | 1,815 |
| Memoranda: | ||
| Average total assets | $472,529,750 | 1,490 |
| Average earning assets | $450,167,500 | 1,455 |
| Average equity | $59,908,000 | 1,324 |
| Average total loans | $376,590,500 | 1,324 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,884 |
| Cost of funding earning assets | 0.4592% | 3,293 |
| Net interest margin | 4.1071% | 1,536 |
| Noninterest income to average assets | 0.2342% | 4,614 |
| Noninterest expense to average assets | 2.0627% | 4,688 |
| Loan and lease loss provision to assets | 0.1268% | 1,563 |
| Net operating income to assets | 1.4379% | 1,316 |
| Return on assets (ROA) | 1.4379% | 1,317 |
| Pretax return on assets | 1.9659% | 654 |
| Return on Equity (ROE) | 11.4311% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.3119% | 838 |
| Net charge-offs to loans | -0.0784% | 5,075 |
| Credit loss provision to net charge-offs | -202.7027% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6388% | 5,043 |
| Assets per employee ($millions) | 5.1688% | 2,228 |
| Cash dividends to net income (ytd only)* | 9.7912% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,282 |
| Loan loss allowance to noncurrent loans | 182.5286% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 1,830 |
| Noncurrent loans to loans | 0.8418% | 2,039 |
| Net loans and leases to total assets | 77.4282% | 1,404 |
| Net loans and leases to deposits | 89.2942% | 1,935 |
| Net loans and leases to core deposits | 99.1672% | 1,801 |
| Total domestic deposits to total assets | 86.7113% | 1,966 |
| Equity capital to assets | 12.8109% | 1,386 |
| Core capital (leverage) ratio | 12.8819% | 1,283 |
| Tier 1 risk-based capital ratio | 18.1766% | 1,756 |
| Total risk-based capital ratio | 19.4327% | 1,708 |
| Memoranda: | ||
| Average total assets | $473,064,670 | 1,493 |
| Average earning assets | $451,658,670 | 1,449 |
| Average equity | $59,504,330 | 1,333 |
| Average total loans | $377,577,330 | 1,314 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,877 |
| Cost of funding earning assets | 0.4440% | 3,256 |
| Net interest margin | 4.0533% | 1,553 |
| Noninterest income to average assets | 0.2484% | 4,516 |
| Noninterest expense to average assets | 2.0321% | 4,787 |
| Loan and lease loss provision to assets | 0.1272% | 1,483 |
| Net operating income to assets | 1.4370% | 1,236 |
| Return on assets (ROA) | 1.4370% | 1,242 |
| Pretax return on assets | 1.9592% | 634 |
| Return on Equity (ROE) | 11.5313% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.2456% | 837 |
| Net charge-offs to loans | 0.0105% | 2,367 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 246.1000% | 275 |
| Efficiency ratio | 49.3413% | 5,118 |
| Assets per employee ($millions) | 5.0954% | 2,373 |
| Cash dividends to net income (ytd only)* | 2.4779% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,738 |
| Loan loss allowance to noncurrent loans | 152.0694% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 1,705 |
| Noncurrent loans to loans | 0.9382% | 1,948 |
| Net loans and leases to total assets | 78.4443% | 1,170 |
| Net loans and leases to deposits | 90.1811% | 1,672 |
| Net loans and leases to core deposits | 100.4210% | 1,655 |
| Total domestic deposits to total assets | 86.9853% | 2,129 |
| Equity capital to assets | 12.4323% | 1,524 |
| Core capital (leverage) ratio | 12.8125% | 1,246 |
| Tier 1 risk-based capital ratio | 17.4088% | 2,002 |
| Total risk-based capital ratio | 18.6634% | 1,955 |
| Memoranda: | ||
| Average total assets | $471,831,500 | 1,504 |
| Average earning assets | $450,501,000 | 1,458 |
| Average equity | $58,796,500 | 1,356 |
| Average total loans | $379,395,500 | 1,321 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,810 |
| Cost of funding earning assets | 0.4756% | 2,544 |
| Net interest margin | 3.9961% | 1,764 |
| Noninterest income to average assets | 0.2671% | 4,524 |
| Noninterest expense to average assets | 2.0156% | 4,933 |
| Loan and lease loss provision to assets | 0.1263% | 1,812 |
| Net operating income to assets | 1.1092% | 1,829 |
| Return on assets (ROA) | 1.1092% | 1,851 |
| Pretax return on assets | 1.9392% | 558 |
| Return on Equity (ROE) | 9.1883% | 2,216 |
| Retained earnings to average equity (ytd only) | 4.4904% | 2,458 |
| Net charge-offs to loans | 0.3168% | 801 |
| Credit loss provision to net charge-offs | 49.4641% | 3,337 |
| Earnings coverage of net charge-offs (x) | 8.0915% | 2,958 |
| Efficiency ratio | 49.3890% | 5,252 |
| Assets per employee ($millions) | 4.6469% | 2,959 |
| Cash dividends to net income (ytd only)* | 51.1288% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,755 |
| Loan loss allowance to noncurrent loans | 101.6699% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3979% | 1,004 |
| Noncurrent loans to loans | 1.3797% | 1,249 |
| Net loans and leases to total assets | 80.1242% | 942 |
| Net loans and leases to deposits | 92.0347% | 1,521 |
| Net loans and leases to core deposits | 100.5765% | 1,666 |
| Total domestic deposits to total assets | 87.0587% | 1,965 |
| Equity capital to assets | 12.4913% | 1,524 |
| Core capital (leverage) ratio | 12.1496% | 1,532 |
| Tier 1 risk-based capital ratio | 17.4527% | 1,955 |
| Total risk-based capital ratio | 18.7074% | 1,910 |
| Memoranda: | ||
| Average total assets | $475,187,600 | 1,463 |
| Average earning assets | $453,545,200 | 1,428 |
| Average equity | $57,366,200 | 1,371 |
| Average total loans | $382,862,400 | 1,280 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 1,918 |
| Cost of funding earning assets | 0.4775% | 2,453 |
| Net interest margin | 3.9389% | 1,900 |
| Noninterest income to average assets | 0.2718% | 4,559 |
| Noninterest expense to average assets | 2.0409% | 4,870 |
| Loan and lease loss provision to assets | 0.1256% | 1,725 |
| Net operating income to assets | 1.1499% | 1,879 |
| Return on assets (ROA) | 1.1499% | 1,931 |
| Pretax return on assets | 1.8643% | 759 |
| Return on Equity (ROE) | 9.6065% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.1518% | 1,612 |
| Net charge-offs to loans | 0.2308% | 935 |
| Credit loss provision to net charge-offs | 67.6692% | 2,716 |
| Earnings coverage of net charge-offs (x) | 10.7234% | 2,563 |
| Efficiency ratio | 50.6334% | 5,205 |
| Assets per employee ($millions) | 4.8409% | 2,647 |
| Cash dividends to net income (ytd only)* | 25.5520% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,566 |
| Loan loss allowance to noncurrent loans | 72.1434% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.6606% | 873 |
| Noncurrent loans to loans | 2.0665% | 814 |
| Net loans and leases to total assets | 77.7342% | 1,309 |
| Net loans and leases to deposits | 88.9463% | 1,932 |
| Net loans and leases to core deposits | 99.6048% | 1,737 |
| Total domestic deposits to total assets | 87.3945% | 1,675 |
| Equity capital to assets | 12.1062% | 1,896 |
| Core capital (leverage) ratio | 12.0412% | 1,659 |
| Tier 1 risk-based capital ratio | 17.4078% | 2,036 |
| Total risk-based capital ratio | 18.6636% | 1,988 |
| Memoranda: | ||
| Average total assets | $477,811,750 | 1,470 |
| Average earning assets | $455,988,250 | 1,434 |
| Average equity | $57,196,250 | 1,386 |
| Average total loans | $384,171,250 | 1,285 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 1,901 |
| Cost of funding earning assets | 0.4778% | 2,343 |
| Net interest margin | 3.8964% | 1,939 |
| Noninterest income to average assets | 0.2859% | 4,510 |
| Noninterest expense to average assets | 2.0672% | 4,838 |
| Loan and lease loss provision to assets | 0.1261% | 1,642 |
| Net operating income to assets | 1.1120% | 1,918 |
| Return on assets (ROA) | 1.1120% | 1,967 |
| Pretax return on assets | 1.8086% | 823 |
| Return on Equity (ROE) | 9.3254% | 2,346 |
| Retained earnings to average equity (ytd only) | 8.6591% | 952 |
| Net charge-offs to loans | 0.2120% | 964 |
| Credit loss provision to net charge-offs | 73.5294% | 2,340 |
| Earnings coverage of net charge-offs (x) | 11.2794% | 2,287 |
| Efficiency ratio | 51.6546% | 5,206 |
| Assets per employee ($millions) | 4.7811% | 2,675 |
| Cash dividends to net income (ytd only)* | 7.1456% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,537 |
| Loan loss allowance to noncurrent loans | 82.2979% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 1,023 |
| Noncurrent loans to loans | 1.8371% | 967 |
| Net loans and leases to total assets | 77.5012% | 1,315 |
| Net loans and leases to deposits | 88.3821% | 1,938 |
| Net loans and leases to core deposits | 100.5218% | 1,616 |
| Total domestic deposits to total assets | 87.6888% | 1,623 |
| Equity capital to assets | 11.8906% | 2,011 |
| Core capital (leverage) ratio | 12.0812% | 1,585 |
| Tier 1 risk-based capital ratio | 17.0463% | 2,148 |
| Total risk-based capital ratio | 18.3026% | 2,098 |
| Memoranda: | ||
| Average total assets | $475,718,330 | 1,480 |
| Average earning assets | $453,703,330 | 1,441 |
| Average equity | $56,726,670 | 1,392 |
| Average total loans | $384,895,000 | 1,284 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 1,703 |
| Cost of funding earning assets | 0.4762% | 2,292 |
| Net interest margin | 3.9064% | 1,752 |
| Noninterest income to average assets | 0.2572% | 4,695 |
| Noninterest expense to average assets | 2.1016% | 4,843 |
| Loan and lease loss provision to assets | 0.1277% | 1,511 |
| Net operating income to assets | 1.0789% | 1,951 |
| Return on assets (ROA) | 1.0789% | 1,998 |
| Pretax return on assets | 1.7507% | 902 |
| Return on Equity (ROE) | 9.0344% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.0344% | 1,066 |
| Net charge-offs to loans | 0.1505% | 1,058 |
| Credit loss provision to net charge-offs | 103.4483% | 1,529 |
| Earnings coverage of net charge-offs (x) | 15.2138% | 1,685 |
| Efficiency ratio | 52.8027% | 5,222 |
| Assets per employee ($millions) | 4.7684% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,552 |
| Loan loss allowance to noncurrent loans | 78.4275% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 836 |
| Noncurrent loans to loans | 1.9595% | 915 |
| Net loans and leases to total assets | 79.4764% | 905 |
| Net loans and leases to deposits | 90.8031% | 1,449 |
| Net loans and leases to core deposits | 102.5327% | 1,331 |
| Total domestic deposits to total assets | 87.5261% | 1,973 |
| Equity capital to assets | 11.8978% | 1,907 |
| Core capital (leverage) ratio | 12.1538% | 1,531 |
| Tier 1 risk-based capital ratio | 16.5720% | 2,330 |
| Total risk-based capital ratio | 17.8284% | 2,281 |
| Memoranda: | ||
| Average total assets | $469,742,000 | 1,502 |
| Average earning assets | $447,670,500 | 1,459 |
| Average equity | $56,096,500 | 1,400 |
| Average total loans | $385,466,000 | 1,290 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,299 |
| Cost of funding earning assets | 0.4883% | 2,178 |
| Net interest margin | 4.1039% | 1,371 |
| Noninterest income to average assets | 0.2445% | 4,962 |
| Noninterest expense to average assets | 2.0993% | 5,002 |
| Loan and lease loss provision to assets | 0.2157% | 1,037 |
| Net operating income to assets | 1.1367% | 1,740 |
| Return on assets (ROA) | 1.1367% | 1,836 |
| Pretax return on assets | 1.8432% | 702 |
| Return on Equity (ROE) | 9.6406% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.9643% | 1,240 |
| Net charge-offs to loans | 0.2537% | 1,090 |
| Credit loss provision to net charge-offs | 100.2024% | 2,556 |
| Earnings coverage of net charge-offs (x) | 9.5628% | 2,744 |
| Efficiency ratio | 50.4848% | 5,466 |
| Assets per employee ($millions) | 4.5807% | 2,998 |
| Cash dividends to net income (ytd only)* | 27.7607% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,562 |
| Loan loss allowance to noncurrent loans | 110.4466% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 1,178 |
| Noncurrent loans to loans | 1.3861% | 1,474 |
| Net loans and leases to total assets | 82.1650% | 585 |
| Net loans and leases to deposits | 93.7808% | 1,218 |
| Net loans and leases to core deposits | 104.1737% | 1,265 |
| Total domestic deposits to total assets | 87.6139% | 1,825 |
| Equity capital to assets | 11.9875% | 1,818 |
| Core capital (leverage) ratio | 11.7632% | 1,747 |
| Tier 1 risk-based capital ratio | 16.0460% | 2,523 |
| Total risk-based capital ratio | 17.3022% | 2,462 |
| Memoranda: | ||
| Average total assets | $458,877,000 | 1,484 |
| Average earning assets | $437,605,600 | 1,451 |
| Average equity | $54,104,400 | 1,421 |
| Average total loans | $389,429,600 | 1,223 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,287 |
| Cost of funding earning assets | 0.4872% | 2,199 |
| Net interest margin | 4.1162% | 1,353 |
| Noninterest income to average assets | 0.2318% | 5,084 |
| Noninterest expense to average assets | 2.0911% | 5,021 |
| Loan and lease loss provision to assets | 0.2358% | 824 |
| Net operating income to assets | 1.1297% | 1,877 |
| Return on assets (ROA) | 1.1297% | 1,993 |
| Pretax return on assets | 1.8334% | 833 |
| Return on Equity (ROE) | 9.6218% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.6218% | 656 |
| Net charge-offs to loans | 0.2487% | 943 |
| Credit loss provision to net charge-offs | 111.2637% | 2,212 |
| Earnings coverage of net charge-offs (x) | 9.7624% | 2,655 |
| Efficiency ratio | 50.2624% | 5,484 |
| Assets per employee ($millions) | 4.6487% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,627 |
| Loan loss allowance to noncurrent loans | 120.7418% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,375 |
| Noncurrent loans to loans | 1.2770% | 1,748 |
| Net loans and leases to total assets | 81.4661% | 694 |
| Net loans and leases to deposits | 92.8781% | 1,386 |
| Net loans and leases to core deposits | 103.2857% | 1,393 |
| Total domestic deposits to total assets | 87.7130% | 1,549 |
| Equity capital to assets | 11.8709% | 2,204 |
| Core capital (leverage) ratio | 11.9381% | 1,719 |
| Tier 1 risk-based capital ratio | 16.0716% | 2,594 |
| Total risk-based capital ratio | 17.3284% | 2,539 |
| Memoranda: | ||
| Average total assets | $457,934,500 | 1,491 |
| Average earning assets | $437,059,750 | 1,456 |
| Average equity | $53,765,500 | 1,434 |
| Average total loans | $390,276,000 | 1,221 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 1,224 |
| Cost of funding earning assets | 0.4902% | 2,186 |
| Net interest margin | 4.1336% | 1,280 |
| Noninterest income to average assets | 0.2484% | 4,995 |
| Noninterest expense to average assets | 2.1265% | 5,004 |
| Loan and lease loss provision to assets | 0.2378% | 833 |
| Net operating income to assets | 1.1302% | 1,855 |
| Return on assets (ROA) | 1.1302% | 1,966 |
| Pretax return on assets | 1.8319% | 818 |
| Return on Equity (ROE) | 9.6632% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.6632% | 668 |
| Net charge-offs to loans | 0.2303% | 1,020 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 10.4422% | 2,336 |
| Efficiency ratio | 50.6770% | 5,528 |
| Assets per employee ($millions) | 4.6472% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,718 |
| Loan loss allowance to noncurrent loans | 109.7731% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 1,240 |
| Noncurrent loans to loans | 1.4023% | 1,594 |
| Net loans and leases to total assets | 83.3903% | 476 |
| Net loans and leases to deposits | 95.0502% | 1,181 |
| Net loans and leases to core deposits | 105.5709% | 1,212 |
| Total domestic deposits to total assets | 87.7329% | 1,556 |
| Equity capital to assets | 11.8300% | 2,247 |
| Core capital (leverage) ratio | 11.9045% | 1,698 |
| Tier 1 risk-based capital ratio | 15.7534% | 2,761 |
| Total risk-based capital ratio | 17.0105% | 2,690 |
| Memoranda: | ||
| Average total assets | $454,073,000 | 1,510 |
| Average earning assets | $433,664,000 | 1,469 |
| Average equity | $53,108,670 | 1,456 |
| Average total loans | $390,871,670 | 1,221 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,209 |
| Cost of funding earning assets | 0.4931% | 2,159 |
| Net interest margin | 4.1289% | 1,266 |
| Noninterest income to average assets | 0.2581% | 4,884 |
| Noninterest expense to average assets | 2.1229% | 5,067 |
| Loan and lease loss provision to assets | 0.2394% | 755 |
| Net operating income to assets | 1.1324% | 1,780 |
| Return on assets (ROA) | 1.1324% | 1,888 |
| Pretax return on assets | 1.8383% | 787 |
| Return on Equity (ROE) | 9.7388% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.7388% | 914 |
| Net charge-offs to loans | 0.0654% | 1,843 |
| Credit loss provision to net charge-offs | 421.8750% | 681 |
| Earnings coverage of net charge-offs (x) | 36.6094% | 1,069 |
| Efficiency ratio | 50.5383% | 5,593 |
| Assets per employee ($millions) | 4.5506% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,714 |
| Loan loss allowance to noncurrent loans | 82.5881% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9340% | 923 |
| Noncurrent loans to loans | 1.9017% | 1,154 |
| Net loans and leases to total assets | 84.2033% | 350 |
| Net loans and leases to deposits | 95.9523% | 948 |
| Net loans and leases to core deposits | 106.3476% | 1,055 |
| Total domestic deposits to total assets | 87.7553% | 1,777 |
| Equity capital to assets | 11.6672% | 2,275 |
| Core capital (leverage) ratio | 11.8993% | 1,679 |
| Tier 1 risk-based capital ratio | 15.4480% | 2,951 |
| Total risk-based capital ratio | 16.7055% | 2,876 |
| Memoranda: | ||
| Average total assets | $451,075,000 | 1,520 |
| Average earning assets | $430,719,500 | 1,477 |
| Average equity | $52,450,000 | 1,471 |
| Average total loans | $391,482,000 | 1,220 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 938 |
| Cost of funding earning assets | 0.5315% | 1,913 |
| Net interest margin | 4.2635% | 1,034 |
| Noninterest income to average assets | 0.2387% | 5,170 |
| Noninterest expense to average assets | 2.1632% | 5,123 |
| Loan and lease loss provision to assets | 0.2802% | 647 |
| Net operating income to assets | 1.1505% | 1,730 |
| Return on assets (ROA) | 1.1537% | 1,789 |
| Pretax return on assets | 1.8482% | 730 |
| Return on Equity (ROE) | 10.1646% | 1,951 |
| Retained earnings to average equity (ytd only) | 7.6597% | 1,037 |
| Net charge-offs to loans | 0.3496% | 849 |
| Credit loss provision to net charge-offs | 90.7164% | 2,748 |
| Earnings coverage of net charge-offs (x) | 6.8743% | 3,158 |
| Efficiency ratio | 50.4635% | 5,738 |
| Assets per employee ($millions) | 4.4266% | 3,160 |
| Cash dividends to net income (ytd only)* | 24.6428% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,003 |
| Loan loss allowance to noncurrent loans | 95.2135% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 1,138 |
| Noncurrent loans to loans | 1.5762% | 1,459 |
| Net loans and leases to total assets | 86.7312% | 183 |
| Net loans and leases to deposits | 98.5358% | 780 |
| Net loans and leases to core deposits | 109.1945% | 907 |
| Total domestic deposits to total assets | 88.0200% | 1,616 |
| Equity capital to assets | 11.5877% | 2,290 |
| Core capital (leverage) ratio | 11.4720% | 1,980 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,226 |
| Total risk-based capital ratio | 16.1417% | 3,158 |
| Memoranda: | ||
| Average total assets | $442,853,800 | 1,508 |
| Average earning assets | $420,478,200 | 1,476 |
| Average equity | $50,262,800 | 1,480 |
| Average total loans | $391,324,000 | 1,180 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 941 |
| Cost of funding earning assets | 0.5380% | 1,904 |
| Net interest margin | 4.2590% | 1,040 |
| Noninterest income to average assets | 0.2312% | 5,272 |
| Noninterest expense to average assets | 2.1877% | 5,084 |
| Loan and lease loss provision to assets | 0.2840% | 549 |
| Net operating income to assets | 1.1206% | 1,920 |
| Return on assets (ROA) | 1.1245% | 1,986 |
| Pretax return on assets | 1.8029% | 896 |
| Return on Equity (ROE) | 9.9603% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.9603% | 639 |
| Net charge-offs to loans | 0.4518% | 558 |
| Credit loss provision to net charge-offs | 71.0725% | 2,747 |
| Earnings coverage of net charge-offs (x) | 5.2077% | 3,238 |
| Efficiency ratio | 51.2514% | 5,701 |
| Assets per employee ($millions) | 4.5159% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 2,438 |
| Loan loss allowance to noncurrent loans | 77.8727% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 968 |
| Noncurrent loans to loans | 1.8404% | 1,277 |
| Net loans and leases to total assets | 86.0778% | 227 |
| Net loans and leases to deposits | 97.6553% | 844 |
| Net loans and leases to core deposits | 108.7905% | 939 |
| Total domestic deposits to total assets | 88.1445% | 1,481 |
| Equity capital to assets | 11.4501% | 2,542 |
| Core capital (leverage) ratio | 11.5798% | 1,974 |
| Tier 1 risk-based capital ratio | 14.6642% | 3,461 |
| Total risk-based capital ratio | 15.9195% | 3,396 |
| Memoranda: | ||
| Average total assets | $441,795,500 | 1,525 |
| Average earning assets | $418,802,000 | 1,489 |
| Average equity | $49,876,750 | 1,498 |
| Average total loans | $390,737,000 | 1,178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 894 |
| Cost of funding earning assets | 0.5469% | 1,848 |
| Net interest margin | 4.2515% | 1,016 |
| Noninterest income to average assets | 0.3124% | 4,722 |
| Noninterest expense to average assets | 2.2229% | 5,045 |
| Loan and lease loss provision to assets | 0.2923% | 538 |
| Net operating income to assets | 1.1361% | 1,820 |
| Return on assets (ROA) | 1.1361% | 1,901 |
| Pretax return on assets | 1.8215% | 860 |
| Return on Equity (ROE) | 10.1123% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.1123% | 643 |
| Net charge-offs to loans | 0.2634% | 991 |
| Credit loss provision to net charge-offs | 124.9513% | 1,754 |
| Earnings coverage of net charge-offs (x) | 9.0351% | 2,497 |
| Efficiency ratio | 51.2567% | 5,775 |
| Assets per employee ($millions) | 4.5418% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 2,053 |
| Loan loss allowance to noncurrent loans | 79.0128% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 888 |
| Noncurrent loans to loans | 1.9736% | 1,249 |
| Net loans and leases to total assets | 88.3081% | 126 |
| Net loans and leases to deposits | 100.2285% | 642 |
| Net loans and leases to core deposits | 111.9641% | 747 |
| Total domestic deposits to total assets | 88.1068% | 1,590 |
| Equity capital to assets | 11.4613% | 2,447 |
| Core capital (leverage) ratio | 11.4506% | 2,036 |
| Tier 1 risk-based capital ratio | 14.1408% | 3,847 |
| Total risk-based capital ratio | 15.3977% | 3,775 |
| Memoranda: | ||
| Average total assets | $438,531,670 | 1,540 |
| Average earning assets | $415,103,330 | 1,508 |
| Average equity | $49,266,670 | 1,526 |
| Average total loans | $389,526,670 | 1,185 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 922 |
| Cost of funding earning assets | 0.5517% | 1,828 |
| Net interest margin | 4.2120% | 1,038 |
| Noninterest income to average assets | 0.2871% | 4,873 |
| Noninterest expense to average assets | 2.1997% | 5,145 |
| Loan and lease loss provision to assets | 0.2834% | 529 |
| Net operating income to assets | 1.1090% | 1,840 |
| Return on assets (ROA) | 1.1090% | 1,947 |
| Pretax return on assets | 1.7828% | 893 |
| Return on Equity (ROE) | 9.9726% | 2,022 |
| Retained earnings to average equity (ytd only) | 9.9726% | 937 |
| Net charge-offs to loans | 0.2224% | 1,049 |
| Credit loss provision to net charge-offs | 144.1860% | 1,284 |
| Earnings coverage of net charge-offs (x) | 10.5116% | 1,931 |
| Efficiency ratio | 51.5645% | 5,837 |
| Assets per employee ($millions) | 4.3699% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 2,158 |
| Loan loss allowance to noncurrent loans | 63.7877% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.7342% | 736 |
| Noncurrent loans to loans | 2.4626% | 991 |
| Net loans and leases to total assets | 87.8988% | 111 |
| Net loans and leases to deposits | 99.6578% | 580 |
| Net loans and leases to core deposits | 109.7429% | 756 |
| Total domestic deposits to total assets | 88.2006% | 1,705 |
| Equity capital to assets | 11.2717% | 2,681 |
| Core capital (leverage) ratio | 11.3719% | 2,104 |
| Tier 1 risk-based capital ratio | 13.8536% | 4,111 |
| Total risk-based capital ratio | 15.1103% | 4,033 |
| Memoranda: | ||
| Average total assets | $437,521,000 | 1,557 |
| Average earning assets | $413,299,500 | 1,517 |
| Average equity | $48,653,500 | 1,549 |
| Average total loans | $386,686,500 | 1,194 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 1,216 |
| Cost of funding earning assets | 0.6677% | 1,281 |
| Net interest margin | 4.0731% | 1,672 |
| Noninterest income to average assets | 0.2050% | 5,633 |
| Noninterest expense to average assets | 2.1863% | 5,379 |
| Loan and lease loss provision to assets | 0.6187% | 220 |
| Net operating income to assets | 0.7643% | 3,545 |
| Return on assets (ROA) | 0.8329% | 3,300 |
| Pretax return on assets | 1.3348% | 2,128 |
| Return on Equity (ROE) | 7.9066% | 3,184 |
| Retained earnings to average equity (ytd only) | 6.2920% | 1,756 |
| Net charge-offs to loans | 0.6197% | 635 |
| Credit loss provision to net charge-offs | 116.4268% | 2,052 |
| Earnings coverage of net charge-offs (x) | 3.4746% | 3,884 |
| Efficiency ratio | 54.2148% | 5,823 |
| Assets per employee ($millions) | 4.4248% | 3,156 |
| Cash dividends to net income (ytd only)* | 20.4214% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 2,175 |
| Loan loss allowance to noncurrent loans | 66.8995% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.7004% | 820 |
| Noncurrent loans to loans | 2.3545% | 1,103 |
| Net loans and leases to total assets | 86.0855% | 200 |
| Net loans and leases to deposits | 97.1374% | 822 |
| Net loans and leases to core deposits | 107.4105% | 934 |
| Total domestic deposits to total assets | 88.6224% | 1,457 |
| Equity capital to assets | 10.9692% | 2,925 |
| Core capital (leverage) ratio | 10.7740% | 2,644 |
| Tier 1 risk-based capital ratio | 14.1130% | 4,024 |
| Total risk-based capital ratio | 15.3705% | 3,943 |
| Memoranda: | ||
| Average total assets | $444,495,400 | 1,494 |
| Average earning assets | $417,718,800 | 1,470 |
| Average equity | $46,821,600 | 1,544 |
| Average total loans | $381,134,600 | 1,163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 1,277 |
| Cost of funding earning assets | 0.6817% | 1,247 |
| Net interest margin | 4.0331% | 1,781 |
| Noninterest income to average assets | 0.2206% | 5,612 |
| Noninterest expense to average assets | 2.2212% | 5,311 |
| Loan and lease loss provision to assets | 0.5978% | 222 |
| Net operating income to assets | 0.7386% | 3,732 |
| Return on assets (ROA) | 0.8297% | 3,378 |
| Pretax return on assets | 1.3330% | 2,264 |
| Return on Equity (ROE) | 7.9572% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.9572% | 1,383 |
| Net charge-offs to loans | 0.5906% | 630 |
| Credit loss provision to net charge-offs | 118.6240% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.5492% | 3,639 |
| Efficiency ratio | 55.3965% | 5,714 |
| Assets per employee ($millions) | 4.3925% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 2,472 |
| Loan loss allowance to noncurrent loans | 53.5051% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.4963% | 618 |
| Noncurrent loans to loans | 2.9102% | 928 |
| Net loans and leases to total assets | 84.9468% | 265 |
| Net loans and leases to deposits | 95.6440% | 915 |
| Net loans and leases to core deposits | 106.7395% | 914 |
| Total domestic deposits to total assets | 88.8156% | 1,347 |
| Equity capital to assets | 10.7854% | 3,197 |
| Core capital (leverage) ratio | 10.5879% | 2,939 |
| Tier 1 risk-based capital ratio | 13.9858% | 4,228 |
| Total risk-based capital ratio | 15.2429% | 4,163 |
| Memoranda: | ||
| Average total assets | $446,106,000 | 1,498 |
| Average earning assets | $419,122,500 | 1,467 |
| Average equity | $46,514,250 | 1,554 |
| Average total loans | $380,634,500 | 1,170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,398 |
| Cost of funding earning assets | 0.6873% | 1,255 |
| Net interest margin | 3.9635% | 1,920 |
| Noninterest income to average assets | 0.2032% | 5,743 |
| Noninterest expense to average assets | 2.1520% | 5,518 |
| Loan and lease loss provision to assets | 0.6713% | 202 |
| Net operating income to assets | 0.6861% | 3,917 |
| Return on assets (ROA) | 0.7778% | 3,537 |
| Pretax return on assets | 1.2472% | 2,470 |
| Return on Equity (ROE) | 7.5451% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.5451% | 1,505 |
| Net charge-offs to loans | 0.5823% | 694 |
| Credit loss provision to net charge-offs | 135.6239% | 1,562 |
| Earnings coverage of net charge-offs (x) | 3.5868% | 3,265 |
| Efficiency ratio | 54.7972% | 5,847 |
| Assets per employee ($millions) | 4.5410% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 2,554 |
| Loan loss allowance to noncurrent loans | 49.3586% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 3.2354% | 762 |
| Noncurrent loans to loans | 3.1946% | 888 |
| Net loans and leases to total assets | 83.8769% | 306 |
| Net loans and leases to deposits | 93.9411% | 962 |
| Net loans and leases to core deposits | 106.7917% | 845 |
| Total domestic deposits to total assets | 89.2866% | 1,207 |
| Equity capital to assets | 10.4269% | 3,532 |
| Core capital (leverage) ratio | 10.3808% | 3,102 |
| Tier 1 risk-based capital ratio | 13.6699% | 4,476 |
| Total risk-based capital ratio | 14.9265% | 4,422 |
| Memoranda: | ||
| Average total assets | $446,926,000 | 1,494 |
| Average earning assets | $419,927,000 | 1,466 |
| Average equity | $46,069,330 | 1,554 |
| Average total loans | $379,904,670 | 1,160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 1,465 |
| Cost of funding earning assets | 0.6821% | 1,349 |
| Net interest margin | 3.9329% | 1,973 |
| Noninterest income to average assets | 0.2513% | 5,355 |
| Noninterest expense to average assets | 2.0709% | 5,738 |
| Loan and lease loss provision to assets | 0.6732% | 187 |
| Net operating income to assets | 0.7452% | 3,452 |
| Return on assets (ROA) | 0.9291% | 2,583 |
| Pretax return on assets | 1.4901% | 1,458 |
| Return on Equity (ROE) | 9.0657% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.0657% | 1,223 |
| Net charge-offs to loans | 0.6228% | 593 |
| Credit loss provision to net charge-offs | 127.3345% | 1,401 |
| Earnings coverage of net charge-offs (x) | 3.5484% | 2,667 |
| Efficiency ratio | 52.4676% | 6,109 |
| Assets per employee ($millions) | 4.5415% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,024 |
| Loan loss allowance to noncurrent loans | 36.1509% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 4.0558% | 573 |
| Noncurrent loans to loans | 4.2264% | 609 |
| Net loans and leases to total assets | 83.2567% | 280 |
| Net loans and leases to deposits | 93.1345% | 864 |
| Net loans and leases to core deposits | 104.7036% | 817 |
| Total domestic deposits to total assets | 89.3940% | 1,423 |
| Equity capital to assets | 10.2701% | 3,515 |
| Core capital (leverage) ratio | 10.3713% | 3,093 |
| Tier 1 risk-based capital ratio | 13.4845% | 4,695 |
| Total risk-based capital ratio | 14.7403% | 4,628 |
| Memoranda: | ||
| Average total assets | $445,609,500 | 1,502 |
| Average earning assets | $418,719,000 | 1,476 |
| Average equity | $45,666,500 | 1,565 |
| Average total loans | $378,298,500 | 1,168 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 1,628 |
| Cost of funding earning assets | 0.8176% | 1,104 |
| Net interest margin | 3.8602% | 2,430 |
| Noninterest income to average assets | 0.0672% | 6,495 |
| Noninterest expense to average assets | 2.1046% | 5,823 |
| Loan and lease loss provision to assets | 0.8678% | 232 |
| Net operating income to assets | 0.4530% | 4,940 |
| Return on assets (ROA) | 0.4530% | 5,069 |
| Pretax return on assets | 0.6983% | 4,547 |
| Return on Equity (ROE) | 4.5744% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.2106% | 3,946 |
| Net charge-offs to loans | 0.7920% | 797 |
| Credit loss provision to net charge-offs | 132.7886% | 1,775 |
| Earnings coverage of net charge-offs (x) | 2.3963% | 4,207 |
| Efficiency ratio | 57.3351% | 5,810 |
| Assets per employee ($millions) | 4.4607% | 2,967 |
| Cash dividends to net income (ytd only)* | 29.8134% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,191 |
| Loan loss allowance to noncurrent loans | 39.9533% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 3.6546% | 772 |
| Noncurrent loans to loans | 3.7544% | 794 |
| Net loans and leases to total assets | 83.9683% | 259 |
| Net loans and leases to deposits | 93.8459% | 889 |
| Net loans and leases to core deposits | 104.9317% | 861 |
| Total domestic deposits to total assets | 89.4747% | 1,346 |
| Equity capital to assets | 10.2257% | 3,476 |
| Core capital (leverage) ratio | 9.9408% | 3,655 |
| Tier 1 risk-based capital ratio | 13.4281% | 4,700 |
| Total risk-based capital ratio | 14.6836% | 4,638 |
| Memoranda: | ||
| Average total assets | $449,406,800 | 1,480 |
| Average earning assets | $419,510,800 | 1,453 |
| Average equity | $44,508,400 | 1,570 |
| Average total loans | $370,821,800 | 1,151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,758 |
| Cost of funding earning assets | 0.8401% | 1,095 |
| Net interest margin | 3.8041% | 2,628 |
| Noninterest income to average assets | 0.0287% | 6,678 |
| Noninterest expense to average assets | 2.1139% | 5,799 |
| Loan and lease loss provision to assets | 0.9970% | 168 |
| Net operating income to assets | 0.3084% | 5,589 |
| Return on assets (ROA) | 0.3084% | 5,706 |
| Pretax return on assets | 0.4664% | 5,454 |
| Return on Equity (ROE) | 3.1389% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.8292% | 4,629 |
| Net charge-offs to loans | 0.6533% | 937 |
| Credit loss provision to net charge-offs | 186.4641% | 1,296 |
| Earnings coverage of net charge-offs (x) | 2.7370% | 3,922 |
| Efficiency ratio | 59.0917% | 5,544 |
| Assets per employee ($millions) | 4.5995% | 2,718 |
| Cash dividends to net income (ytd only)* | 9.8659% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 2,691 |
| Loan loss allowance to noncurrent loans | 42.6204% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 3.8622% | 831 |
| Noncurrent loans to loans | 3.9448% | 894 |
| Net loans and leases to total assets | 81.0723% | 444 |
| Net loans and leases to deposits | 90.3087% | 1,129 |
| Net loans and leases to core deposits | 101.8143% | 1,003 |
| Total domestic deposits to total assets | 89.7724% | 1,125 |
| Equity capital to assets | 9.9061% | 4,043 |
| Core capital (leverage) ratio | 9.8250% | 3,925 |
| Tier 1 risk-based capital ratio | 13.2504% | 4,940 |
| Total risk-based capital ratio | 14.5079% | 4,879 |
| Memoranda: | ||
| Average total assets | $451,355,250 | 1,478 |
| Average earning assets | $421,049,000 | 1,458 |
| Average equity | $44,346,000 | 1,592 |
| Average total loans | $369,411,750 | 1,154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 1,668 |
| Cost of funding earning assets | 0.8633% | 1,073 |
| Net interest margin | 3.8004% | 2,555 |
| Noninterest income to average assets | 0.1559% | 6,275 |
| Noninterest expense to average assets | 2.1716% | 5,696 |
| Loan and lease loss provision to assets | 0.9966% | 189 |
| Net operating income to assets | 0.3490% | 5,408 |
| Return on assets (ROA) | 0.3490% | 5,586 |
| Pretax return on assets | 0.5306% | 5,265 |
| Return on Equity (ROE) | 3.5621% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.0965% | 4,346 |
| Net charge-offs to loans | 0.7660% | 830 |
| Credit loss provision to net charge-offs | 159.3484% | 1,458 |
| Earnings coverage of net charge-offs (x) | 2.4419% | 3,708 |
| Efficiency ratio | 58.7115% | 5,644 |
| Assets per employee ($millions) | 4.4737% | 2,856 |
| Cash dividends to net income (ytd only)* | 13.0711% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,567 |
| Loan loss allowance to noncurrent loans | 51.2959% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 3.5005% | 1,102 |
| Noncurrent loans to loans | 2.9340% | 1,525 |
| Net loans and leases to total assets | 79.9795% | 540 |
| Net loans and leases to deposits | 89.0222% | 1,226 |
| Net loans and leases to core deposits | 101.7691% | 957 |
| Total domestic deposits to total assets | 89.8421% | 1,126 |
| Equity capital to assets | 9.8571% | 4,115 |
| Core capital (leverage) ratio | 9.8049% | 3,785 |
| Tier 1 risk-based capital ratio | 13.1839% | 5,001 |
| Total risk-based capital ratio | 14.4391% | 4,937 |
| Memoranda: | ||
| Average total assets | $451,556,670 | 1,475 |
| Average earning assets | $420,955,330 | 1,454 |
| Average equity | $44,244,000 | 1,598 |
| Average total loans | $368,654,670 | 1,149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 1,583 |
| Cost of funding earning assets | 0.8917% | 1,030 |
| Net interest margin | 3.7914% | 2,481 |
| Noninterest income to average assets | 0.1763% | 6,206 |
| Noninterest expense to average assets | 2.1373% | 5,828 |
| Loan and lease loss provision to assets | 0.9969% | 180 |
| Net operating income to assets | 0.3731% | 5,246 |
| Return on assets (ROA) | 0.3731% | 5,382 |
| Pretax return on assets | 0.5724% | 5,042 |
| Return on Equity (ROE) | 3.8189% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.8846% | 4,557 |
| Net charge-offs to loans | 0.7869% | 777 |
| Credit loss provision to net charge-offs | 154.7455% | 1,335 |
| Earnings coverage of net charge-offs (x) | 2.4360% | 3,033 |
| Efficiency ratio | 57.6620% | 5,892 |
| Assets per employee ($millions) | 4.2846% | 3,363 |
| Cash dividends to net income (ytd only)* | 24.4656% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,310 |
| Loan loss allowance to noncurrent loans | 55.4925% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.2578% | 1,336 |
| Noncurrent loans to loans | 2.4964% | 2,070 |
| Net loans and leases to total assets | 79.6541% | 454 |
| Net loans and leases to deposits | 88.5321% | 1,092 |
| Net loans and leases to core deposits | 100.1966% | 937 |
| Total domestic deposits to total assets | 89.9721% | 1,071 |
| Equity capital to assets | 9.7415% | 4,510 |
| Core capital (leverage) ratio | 9.8429% | 3,609 |
| Tier 1 risk-based capital ratio | 12.9689% | 5,247 |
| Total risk-based capital ratio | 14.2222% | 5,193 |
| Memoranda: | ||
| Average total assets | $451,412,000 | 1,487 |
| Average earning assets | $420,321,500 | 1,470 |
| Average equity | $44,096,500 | 1,621 |
| Average total loans | $369,529,000 | 1,154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 1,618 |
| Cost of funding earning assets | 1.1520% | 727 |
| Net interest margin | 3.8283% | 3,111 |
| Noninterest income to average assets | 0.2284% | 5,809 |
| Noninterest expense to average assets | 2.0719% | 6,187 |
| Loan and lease loss provision to assets | 1.3820% | 245 |
| Net operating income to assets | 0.2384% | 5,671 |
| Return on assets (ROA) | 0.2384% | 5,867 |
| Pretax return on assets | 0.3384% | 5,748 |
| Return on Equity (ROE) | 2.4575% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.7317% | 4,992 |
| Net charge-offs to loans | 1.7200% | 480 |
| Credit loss provision to net charge-offs | 95.5337% | 3,251 |
| Earnings coverage of net charge-offs (x) | 1.1893% | 4,865 |
| Efficiency ratio | 54.6352% | 6,209 |
| Assets per employee ($millions) | 4.2729% | 3,413 |
| Cash dividends to net income (ytd only)* | 29.5327% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,825 |
| Loan loss allowance to noncurrent loans | 43.1745% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.4131% | 1,339 |
| Noncurrent loans to loans | 2.9148% | 1,797 |
| Net loans and leases to total assets | 81.9177% | 330 |
| Net loans and leases to deposits | 91.0899% | 972 |
| Net loans and leases to core deposits | 100.6562% | 985 |
| Total domestic deposits to total assets | 89.9305% | 983 |
| Equity capital to assets | 9.7960% | 4,455 |
| Core capital (leverage) ratio | 9.6542% | 3,883 |
| Tier 1 risk-based capital ratio | 12.6534% | 5,361 |
| Total risk-based capital ratio | 13.9049% | 5,306 |
| Memoranda: | ||
| Average total assets | $448,854,600 | 1,470 |
| Average earning assets | $417,864,400 | 1,442 |
| Average equity | $43,540,600 | 1,599 |
| Average total loans | $377,494,200 | 1,105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 1,609 |
| Cost of funding earning assets | 1.1952% | 710 |
| Net interest margin | 3.8346% | 3,182 |
| Noninterest income to average assets | 0.2400% | 5,833 |
| Noninterest expense to average assets | 2.0844% | 6,199 |
| Loan and lease loss provision to assets | 1.5899% | 192 |
| Net operating income to assets | 0.1158% | 6,102 |
| Return on assets (ROA) | 0.1158% | 6,238 |
| Pretax return on assets | 0.1372% | 6,219 |
| Return on Equity (ROE) | 1.1971% | 6,216 |
| Retained earnings to average equity (ytd only) | 1.1971% | 5,695 |
| Net charge-offs to loans | 2.1445% | 316 |
| Credit loss provision to net charge-offs | 87.8549% | 3,363 |
| Earnings coverage of net charge-offs (x) | 0.9544% | 4,845 |
| Efficiency ratio | 54.6871% | 6,178 |
| Assets per employee ($millions) | 4.3724% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,536 |
| Loan loss allowance to noncurrent loans | 53.3720% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 3.4533% | 1,456 |
| Noncurrent loans to loans | 2.1467% | 2,679 |
| Net loans and leases to total assets | 81.1179% | 420 |
| Net loans and leases to deposits | 90.1205% | 1,135 |
| Net loans and leases to core deposits | 100.9442% | 1,057 |
| Total domestic deposits to total assets | 90.0105% | 841 |
| Equity capital to assets | 9.6844% | 4,939 |
| Core capital (leverage) ratio | 9.6230% | 4,089 |
| Tier 1 risk-based capital ratio | 12.4533% | 5,675 |
| Total risk-based capital ratio | 13.6836% | 5,659 |
| Memoranda: | ||
| Average total assets | $448,905,000 | 1,485 |
| Average earning assets | $418,113,750 | 1,453 |
| Average equity | $43,438,250 | 1,621 |
| Average total loans | $378,815,250 | 1,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 1,677 |
| Cost of funding earning assets | 1.2202% | 749 |
| Net interest margin | 3.8248% | 3,243 |
| Noninterest income to average assets | 0.2346% | 5,889 |
| Noninterest expense to average assets | 2.0936% | 6,241 |
| Loan and lease loss provision to assets | 1.6293% | 210 |
| Net operating income to assets | 0.0789% | 6,206 |
| Return on assets (ROA) | 0.0789% | 6,347 |
| Pretax return on assets | 0.0838% | 6,351 |
| Return on Equity (ROE) | 0.8161% | 6,333 |
| Retained earnings to average equity (ytd only) | 0.8161% | 5,740 |
| Net charge-offs to loans | 1.8863% | 463 |
| Credit loss provision to net charge-offs | 101.4159% | 2,682 |
| Earnings coverage of net charge-offs (x) | 1.0664% | 4,488 |
| Efficiency ratio | 54.9971% | 6,231 |
| Assets per employee ($millions) | 4.3842% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,775 |
| Loan loss allowance to noncurrent loans | 32.8668% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 4.0018% | 1,273 |
| Noncurrent loans to loans | 4.0290% | 1,366 |
| Net loans and leases to total assets | 82.9206% | 269 |
| Net loans and leases to deposits | 92.0388% | 948 |
| Net loans and leases to core deposits | 104.2328% | 840 |
| Total domestic deposits to total assets | 90.0931% | 877 |
| Equity capital to assets | 9.6115% | 4,898 |
| Core capital (leverage) ratio | 9.5821% | 4,030 |
| Tier 1 risk-based capital ratio | 12.1529% | 5,829 |
| Total risk-based capital ratio | 13.4052% | 5,805 |
| Memoranda: | ||
| Average total assets | $448,422,330 | 1,486 |
| Average earning assets | $418,791,330 | 1,455 |
| Average equity | $43,379,670 | 1,610 |
| Average total loans | $381,903,330 | 1,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 1,662 |
| Cost of funding earning assets | 1.2369% | 816 |
| Net interest margin | 3.8333% | 3,226 |
| Noninterest income to average assets | 0.3026% | 5,454 |
| Noninterest expense to average assets | 2.0669% | 6,346 |
| Loan and lease loss provision to assets | 1.3544% | 273 |
| Net operating income to assets | 0.3160% | 5,606 |
| Return on assets (ROA) | 0.3160% | 5,767 |
| Pretax return on assets | 0.4628% | 5,549 |
| Return on Equity (ROE) | 3.2559% | 5,614 |
| Retained earnings to average equity (ytd only) | 3.2559% | 4,617 |
| Net charge-offs to loans | 1.3594% | 744 |
| Credit loss provision to net charge-offs | 116.2058% | 2,033 |
| Earnings coverage of net charge-offs (x) | 1.5591% | 3,551 |
| Efficiency ratio | 53.2150% | 6,418 |
| Assets per employee ($millions) | 4.3288% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,786 |
| Loan loss allowance to noncurrent loans | 28.9212% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 4.5606% | 1,166 |
| Noncurrent loans to loans | 4.6840% | 1,216 |
| Net loans and leases to total assets | 84.6819% | 167 |
| Net loans and leases to deposits | 94.1474% | 650 |
| Net loans and leases to core deposits | 105.5340% | 691 |
| Total domestic deposits to total assets | 89.9461% | 1,118 |
| Equity capital to assets | 9.7682% | 4,423 |
| Core capital (leverage) ratio | 9.6841% | 3,788 |
| Tier 1 risk-based capital ratio | 12.1056% | 5,892 |
| Total risk-based capital ratio | 13.3583% | 5,867 |
| Memoranda: | ||
| Average total assets | $446,846,500 | 1,488 |
| Average earning assets | $417,502,000 | 1,463 |
| Average equity | $43,368,000 | 1,610 |
| Average total loans | $383,118,500 | 1,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 1,659 |
| Cost of funding earning assets | 1.4012% | 1,037 |
| Net interest margin | 3.9127% | 3,281 |
| Noninterest income to average assets | 0.1039% | 6,624 |
| Noninterest expense to average assets | 2.0530% | 6,577 |
| Loan and lease loss provision to assets | 1.3473% | 594 |
| Net operating income to assets | 0.2386% | 5,465 |
| Return on assets (ROA) | 0.2386% | 5,607 |
| Pretax return on assets | 0.3338% | 5,463 |
| Return on Equity (ROE) | 2.4952% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.7664% | 4,956 |
| Net charge-offs to loans | 1.6005% | 992 |
| Credit loss provision to net charge-offs | 98.1089% | 3,661 |
| Earnings coverage of net charge-offs (x) | 1.2242% | 4,862 |
| Efficiency ratio | 54.9783% | 6,427 |
| Assets per employee ($millions) | 4.3478% | 3,164 |
| Cash dividends to net income (ytd only)* | 29.2093% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 4,919 |
| Loan loss allowance to noncurrent loans | 35.9835% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 3.6186% | 1,625 |
| Noncurrent loans to loans | 3.6046% | 1,771 |
| Net loans and leases to total assets | 84.5215% | 190 |
| Net loans and leases to deposits | 94.3062% | 792 |
| Net loans and leases to core deposits | 106.5676% | 771 |
| Total domestic deposits to total assets | 89.6246% | 1,191 |
| Equity capital to assets | 9.6428% | 4,681 |
| Core capital (leverage) ratio | 9.4859% | 4,048 |
| Tier 1 risk-based capital ratio | 12.0163% | 5,826 |
| Total risk-based capital ratio | 13.2683% | 5,799 |
| Memoranda: | ||
| Average total assets | $450,522,400 | 1,454 |
| Average earning assets | $417,998,800 | 1,436 |
| Average equity | $43,082,800 | 1,566 |
| Average total loans | $386,568,600 | 1,103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 1,705 |
| Cost of funding earning assets | 1.4299% | 1,109 |
| Net interest margin | 3.9127% | 3,318 |
| Noninterest income to average assets | 0.1525% | 6,493 |
| Noninterest expense to average assets | 2.0455% | 6,603 |
| Loan and lease loss provision to assets | 1.1200% | 724 |
| Net operating income to assets | 0.4045% | 4,975 |
| Return on assets (ROA) | 0.4045% | 5,162 |
| Pretax return on assets | 0.6120% | 4,769 |
| Return on Equity (ROE) | 4.2392% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.2392% | 3,714 |
| Net charge-offs to loans | 1.3091% | 1,180 |
| Credit loss provision to net charge-offs | 99.6582% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.5412% | 4,480 |
| Efficiency ratio | 54.1500% | 6,473 |
| Assets per employee ($millions) | 4.4266% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,950 |
| Loan loss allowance to noncurrent loans | 29.8320% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 4.3797% | 1,376 |
| Noncurrent loans to loans | 4.4042% | 1,476 |
| Net loans and leases to total assets | 84.4756% | 192 |
| Net loans and leases to deposits | 94.4263% | 804 |
| Net loans and leases to core deposits | 107.0181% | 809 |
| Total domestic deposits to total assets | 89.4619% | 1,158 |
| Equity capital to assets | 9.7106% | 4,766 |
| Core capital (leverage) ratio | 9.5583% | 4,060 |
| Tier 1 risk-based capital ratio | 11.9543% | 5,926 |
| Total risk-based capital ratio | 13.2063% | 5,907 |
| Memoranda: | ||
| Average total assets | $451,196,000 | 1,463 |
| Average earning assets | $418,008,000 | 1,446 |
| Average equity | $43,057,750 | 1,569 |
| Average total loans | $387,339,500 | 1,113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 1,693 |
| Cost of funding earning assets | 1.4411% | 1,224 |
| Net interest margin | 3.9176% | 3,231 |
| Noninterest income to average assets | 0.2000% | 6,238 |
| Noninterest expense to average assets | 2.0519% | 6,687 |
| Loan and lease loss provision to assets | 1.2281% | 627 |
| Net operating income to assets | 0.3605% | 5,123 |
| Return on assets (ROA) | 0.3605% | 5,267 |
| Pretax return on assets | 0.5369% | 4,944 |
| Return on Equity (ROE) | 3.7995% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7995% | 3,796 |
| Net charge-offs to loans | 1.7269% | 827 |
| Credit loss provision to net charge-offs | 82.7607% | 3,690 |
| Earnings coverage of net charge-offs (x) | 1.1894% | 4,391 |
| Efficiency ratio | 53.7577% | 6,643 |
| Assets per employee ($millions) | 4.7151% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,675 |
| Loan loss allowance to noncurrent loans | 27.8213% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 4.5911% | 1,361 |
| Noncurrent loans to loans | 4.1963% | 1,624 |
| Net loans and leases to total assets | 83.5519% | 268 |
| Net loans and leases to deposits | 93.0424% | 945 |
| Net loans and leases to core deposits | 106.3426% | 907 |
| Total domestic deposits to total assets | 89.7999% | 1,072 |
| Equity capital to assets | 9.4517% | 4,886 |
| Core capital (leverage) ratio | 9.4830% | 3,982 |
| Tier 1 risk-based capital ratio | 11.4260% | 6,227 |
| Total risk-based capital ratio | 12.6381% | 6,244 |
| Memoranda: | ||
| Average total assets | $451,089,670 | 1,477 |
| Average earning assets | $416,481,330 | 1,459 |
| Average equity | $42,795,330 | 1,562 |
| Average total loans | $387,620,000 | 1,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 1,507 |
| Cost of funding earning assets | 1.4682% | 1,304 |
| Net interest margin | 3.9489% | 2,918 |
| Noninterest income to average assets | 0.1750% | 6,477 |
| Noninterest expense to average assets | 2.1297% | 6,567 |
| Loan and lease loss provision to assets | 1.0537% | 707 |
| Net operating income to assets | 0.4188% | 4,864 |
| Return on assets (ROA) | 0.4188% | 4,954 |
| Pretax return on assets | 0.6277% | 4,576 |
| Return on Equity (ROE) | 4.4060% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.4060% | 3,533 |
| Net charge-offs to loans | 1.2409% | 1,123 |
| Credit loss provision to net charge-offs | 98.0066% | 2,787 |
| Earnings coverage of net charge-offs (x) | 1.5640% | 3,537 |
| Efficiency ratio | 55.8810% | 6,516 |
| Assets per employee ($millions) | 4.8251% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 5,115 |
| Loan loss allowance to noncurrent loans | 29.4148% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 4.6678% | 1,372 |
| Noncurrent loans to loans | 4.4296% | 1,584 |
| Net loans and leases to total assets | 85.5319% | 152 |
| Net loans and leases to deposits | 95.3383% | 731 |
| Net loans and leases to core deposits | 106.7921% | 905 |
| Total domestic deposits to total assets | 89.7140% | 1,348 |
| Equity capital to assets | 9.5403% | 4,382 |
| Core capital (leverage) ratio | 9.5752% | 3,695 |
| Tier 1 risk-based capital ratio | 11.2177% | 6,337 |
| Total risk-based capital ratio | 12.4687% | 6,303 |
| Memoranda: | ||
| Average total assets | $447,951,000 | 1,499 |
| Average earning assets | $412,469,500 | 1,481 |
| Average equity | $42,578,500 | 1,560 |
| Average total loans | $388,103,500 | 1,133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6543% | 1,731 |
| Cost of funding earning assets | 1.7813% | 1,249 |
| Net interest margin | 3.8729% | 3,623 |
| Noninterest income to average assets | 0.2435% | 6,056 |
| Noninterest expense to average assets | 2.1466% | 6,739 |
| Loan and lease loss provision to assets | 1.1042% | 1,443 |
| Net operating income to assets | 0.3859% | 4,611 |
| Return on assets (ROA) | 0.3859% | 4,753 |
| Pretax return on assets | 0.5522% | 4,469 |
| Return on Equity (ROE) | 4.0921% | 4,480 |
| Retained earnings to average equity (ytd only) | 1.9640% | 4,493 |
| Net charge-offs to loans | 1.5638% | 1,398 |
| Credit loss provision to net charge-offs | 82.0013% | 5,485 |
| Earnings coverage of net charge-offs (x) | 1.2301% | 4,877 |
| Efficiency ratio | 56.4438% | 6,538 |
| Assets per employee ($millions) | 4.8082% | 2,411 |
| Cash dividends to net income (ytd only)* | 52.0046% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,928 |
| Loan loss allowance to noncurrent loans | 47.0866% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.5763% | 1,925 |
| Noncurrent loans to loans | 2.7914% | 2,730 |
| Net loans and leases to total assets | 85.4798% | 210 |
| Net loans and leases to deposits | 96.3933% | 838 |
| Net loans and leases to core deposits | 109.2968% | 963 |
| Total domestic deposits to total assets | 88.6782% | 1,839 |
| Equity capital to assets | 9.4699% | 4,442 |
| Core capital (leverage) ratio | 9.3567% | 3,912 |
| Tier 1 risk-based capital ratio | 10.9449% | 6,369 |
| Total risk-based capital ratio | 12.1958% | 6,340 |
| Memoranda: | ||
| Average total assets | $446,013,000 | 1,491 |
| Average earning assets | $409,920,600 | 1,483 |
| Average equity | $42,056,400 | 1,574 |
| Average total loans | $384,066,000 | 1,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 1,792 |
| Cost of funding earning assets | 1.8397% | 1,264 |
| Net interest margin | 3.8358% | 3,814 |
| Noninterest income to average assets | 0.2671% | 5,983 |
| Noninterest expense to average assets | 2.1256% | 6,795 |
| Loan and lease loss provision to assets | 0.9946% | 1,494 |
| Net operating income to assets | 0.4616% | 4,483 |
| Return on assets (ROA) | 0.4616% | 4,666 |
| Pretax return on assets | 0.6665% | 4,364 |
| Return on Equity (ROE) | 4.9002% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.0579% | 4,926 |
| Net charge-offs to loans | 1.7871% | 1,086 |
| Credit loss provision to net charge-offs | 64.7265% | 5,572 |
| Earnings coverage of net charge-offs (x) | 1.0810% | 4,972 |
| Efficiency ratio | 56.1340% | 6,538 |
| Assets per employee ($millions) | 4.8804% | 2,353 |
| Cash dividends to net income (ytd only)* | 58.0038% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,816 |
| Loan loss allowance to noncurrent loans | 44.2729% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 3.1720% | 2,268 |
| Noncurrent loans to loans | 2.5511% | 3,070 |
| Net loans and leases to total assets | 85.0041% | 262 |
| Net loans and leases to deposits | 95.8671% | 996 |
| Net loans and leases to core deposits | 111.6420% | 949 |
| Total domestic deposits to total assets | 88.6687% | 1,583 |
| Equity capital to assets | 9.4206% | 4,961 |
| Core capital (leverage) ratio | 9.2558% | 4,265 |
| Tier 1 risk-based capital ratio | 10.6990% | 6,635 |
| Total risk-based capital ratio | 11.8139% | 6,715 |
| Memoranda: | ||
| Average total assets | $445,725,250 | 1,515 |
| Average earning assets | $408,976,500 | 1,513 |
| Average equity | $41,984,000 | 1,578 |
| Average total loans | $383,251,000 | 1,195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 1,894 |
| Cost of funding earning assets | 1.8901% | 1,274 |
| Net interest margin | 3.7738% | 4,027 |
| Noninterest income to average assets | 0.2901% | 5,829 |
| Noninterest expense to average assets | 2.1060% | 6,886 |
| Loan and lease loss provision to assets | 0.7309% | 1,991 |
| Net operating income to assets | 0.6072% | 3,851 |
| Return on assets (ROA) | 0.6072% | 3,986 |
| Pretax return on assets | 0.9109% | 3,452 |
| Return on Equity (ROE) | 6.4471% | 3,574 |
| Retained earnings to average equity (ytd only) | 2.1729% | 4,763 |
| Net charge-offs to loans | 1.0640% | 1,769 |
| Credit loss provision to net charge-offs | 79.8918% | 4,711 |
| Earnings coverage of net charge-offs (x) | 1.7945% | 4,174 |
| Efficiency ratio | 56.1930% | 6,616 |
| Assets per employee ($millions) | 4.8487% | 2,378 |
| Cash dividends to net income (ytd only)* | 66.2963% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 3,992 |
| Loan loss allowance to noncurrent loans | 50.2792% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.5862% | 1,958 |
| Noncurrent loans to loans | 2.9569% | 2,710 |
| Net loans and leases to total assets | 84.6856% | 304 |
| Net loans and leases to deposits | 95.3786% | 1,104 |
| Net loans and leases to core deposits | 108.4639% | 1,270 |
| Total domestic deposits to total assets | 88.7889% | 1,552 |
| Equity capital to assets | 9.3325% | 4,959 |
| Core capital (leverage) ratio | 9.3659% | 4,014 |
| Tier 1 risk-based capital ratio | 10.4959% | 6,689 |
| Total risk-based capital ratio | 11.7483% | 6,672 |
| Memoranda: | ||
| Average total assets | $444,634,670 | 1,537 |
| Average earning assets | $407,385,330 | 1,519 |
| Average equity | $41,879,330 | 1,575 |
| Average total loans | $382,326,000 | 1,204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6310% | 2,026 |
| Cost of funding earning assets | 1.9643% | 1,200 |
| Net interest margin | 3.6668% | 4,403 |
| Noninterest income to average assets | 0.3543% | 5,305 |
| Noninterest expense to average assets | 2.1120% | 6,905 |
| Loan and lease loss provision to assets | 0.9966% | 1,254 |
| Net operating income to assets | 0.4358% | 4,686 |
| Return on assets (ROA) | 0.4358% | 4,817 |
| Pretax return on assets | 0.6215% | 4,523 |
| Return on Equity (ROE) | 4.6053% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.6053% | 3,378 |
| Net charge-offs to loans | 1.6003% | 1,090 |
| Credit loss provision to net charge-offs | 72.4161% | 4,045 |
| Earnings coverage of net charge-offs (x) | 1.1758% | 4,062 |
| Efficiency ratio | 56.6189% | 6,680 |
| Assets per employee ($millions) | 4.9700% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,902 |
| Loan loss allowance to noncurrent loans | 50.3457% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 3.3391% | 2,131 |
| Noncurrent loans to loans | 2.9832% | 2,690 |
| Net loans and leases to total assets | 84.3480% | 338 |
| Net loans and leases to deposits | 95.1242% | 1,214 |
| Net loans and leases to core deposits | 107.8180% | 1,432 |
| Total domestic deposits to total assets | 88.6715% | 1,697 |
| Equity capital to assets | 9.3876% | 4,695 |
| Core capital (leverage) ratio | 9.5148% | 3,745 |
| Tier 1 risk-based capital ratio | 10.5691% | 6,569 |
| Total risk-based capital ratio | 11.8220% | 6,560 |
| Memoranda: | ||
| Average total assets | $441,487,500 | 1,589 |
| Average earning assets | $406,462,500 | 1,562 |
| Average equity | $41,777,500 | 1,595 |
| Average total loans | $379,671,500 | 1,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 2,903 |
| Cost of funding earning assets | 2.1996% | 2,034 |
| Net interest margin | 3.5417% | 4,772 |
| Noninterest income to average assets | 0.3307% | 5,721 |
| Noninterest expense to average assets | 1.9629% | 7,424 |
| Loan and lease loss provision to assets | 0.7357% | 2,910 |
| Net operating income to assets | 0.6191% | 3,258 |
| Return on assets (ROA) | 0.6191% | 3,327 |
| Pretax return on assets | 0.9440% | 2,783 |
| Return on Equity (ROE) | 6.3210% | 3,068 |
| Retained earnings to average equity (ytd only) | 0.6533% | 4,539 |
| Net charge-offs to loans | 0.2376% | 5,138 |
| Credit loss provision to net charge-offs | 360.8247% | 887 |
| Earnings coverage of net charge-offs (x) | 8.2383% | 1,970 |
| Efficiency ratio | 53.8886% | 7,243 |
| Assets per employee ($millions) | 5.0077% | 2,207 |
| Cash dividends to net income (ytd only)* | 89.6643% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 3,123 |
| Loan loss allowance to noncurrent loans | 55.8501% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 3.2123% | 2,137 |
| Noncurrent loans to loans | 2.9368% | 2,622 |
| Net loans and leases to total assets | 84.9554% | 357 |
| Net loans and leases to deposits | 96.4704% | 1,273 |
| Net loans and leases to core deposits | 133.4740% | 1,089 |
| Total domestic deposits to total assets | 88.0637% | 1,946 |
| Equity capital to assets | 9.5402% | 4,368 |
| Core capital (leverage) ratio | 9.5077% | 3,706 |
| Tier 1 risk-based capital ratio | 10.7999% | 6,115 |
| Total risk-based capital ratio | 12.0545% | 6,082 |
| Memoranda: | ||
| Average total assets | $428,188,400 | 1,617 |
| Average earning assets | $400,398,200 | 1,589 |
| Average equity | $41,939,400 | 1,591 |
| Average total loans | $367,451,400 | 1,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7252% | 3,211 |
| Cost of funding earning assets | 2.2338% | 2,260 |
| Net interest margin | 3.4914% | 4,897 |
| Noninterest income to average assets | 0.3306% | 5,845 |
| Noninterest expense to average assets | 1.9781% | 7,421 |
| Loan and lease loss provision to assets | 0.2971% | 4,588 |
| Net operating income to assets | 0.8547% | 2,593 |
| Return on assets (ROA) | 0.8547% | 2,659 |
| Pretax return on assets | 1.3304% | 1,874 |
| Return on Equity (ROE) | 8.6691% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.9166% | 2,546 |
| Net charge-offs to loans | 0.1468% | 5,233 |
| Credit loss provision to net charge-offs | 236.3184% | 1,852 |
| Earnings coverage of net charge-offs (x) | 12.9452% | 1,714 |
| Efficiency ratio | 54.8617% | 7,134 |
| Assets per employee ($millions) | 4.7620% | 2,457 |
| Cash dividends to net income (ytd only)* | 43.2856% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,204 |
| Loan loss allowance to noncurrent loans | 45.4946% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.7542% | 2,522 |
| Noncurrent loans to loans | 2.6008% | 2,901 |
| Net loans and leases to total assets | 84.6976% | 464 |
| Net loans and leases to deposits | 96.4709% | 1,512 |
| Net loans and leases to core deposits | 131.8301% | 1,335 |
| Total domestic deposits to total assets | 87.7960% | 1,751 |
| Equity capital to assets | 9.7838% | 4,371 |
| Core capital (leverage) ratio | 9.6924% | 3,654 |
| Tier 1 risk-based capital ratio | 11.2118% | 5,732 |
| Total risk-based capital ratio | 12.3843% | 5,774 |
| Memoranda: | ||
| Average total assets | $426,317,750 | 1,642 |
| Average earning assets | $399,903,000 | 1,603 |
| Average equity | $42,033,250 | 1,605 |
| Average total loans | $365,239,750 | 1,341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7651% | 3,219 |
| Cost of funding earning assets | 2.2396% | 2,627 |
| Net interest margin | 3.5255% | 4,675 |
| Noninterest income to average assets | 0.3348% | 5,832 |
| Noninterest expense to average assets | 1.9892% | 7,480 |
| Loan and lease loss provision to assets | 0.2131% | 4,916 |
| Net operating income to assets | 0.9238% | 2,368 |
| Return on assets (ROA) | 0.9238% | 2,461 |
| Pretax return on assets | 1.4404% | 1,621 |
| Return on Equity (ROE) | 9.3446% | 2,237 |
| Retained earnings to average equity (ytd only) | 4.4879% | 2,798 |
| Net charge-offs to loans | 0.0730% | 5,485 |
| Credit loss provision to net charge-offs | 340.9091% | 1,358 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,081 |
| Efficiency ratio | 54.6081% | 7,269 |
| Assets per employee ($millions) | 4.6994% | 2,466 |
| Cash dividends to net income (ytd only)* | 51.9733% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,265 |
| Loan loss allowance to noncurrent loans | 48.4699% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.3570% | 2,756 |
| Noncurrent loans to loans | 2.3735% | 3,045 |
| Net loans and leases to total assets | 82.8290% | 806 |
| Net loans and leases to deposits | 94.7079% | 1,994 |
| Net loans and leases to core deposits | 132.2782% | 1,419 |
| Total domestic deposits to total assets | 87.4573% | 2,029 |
| Equity capital to assets | 9.6235% | 4,463 |
| Core capital (leverage) ratio | 9.6798% | 3,658 |
| Tier 1 risk-based capital ratio | 11.3723% | 5,532 |
| Total risk-based capital ratio | 12.5171% | 5,532 |
| Memoranda: | ||
| Average total assets | $422,390,000 | 1,681 |
| Average earning assets | $396,314,000 | 1,642 |
| Average equity | $41,756,670 | 1,632 |
| Average total loans | $361,818,330 | 1,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 3,246 |
| Cost of funding earning assets | 2.2149% | 3,091 |
| Net interest margin | 3.5956% | 4,332 |
| Noninterest income to average assets | 0.3315% | 5,795 |
| Noninterest expense to average assets | 1.8918% | 7,563 |
| Loan and lease loss provision to assets | 0.1831% | 4,610 |
| Net operating income to assets | 1.0447% | 2,149 |
| Return on assets (ROA) | 1.0447% | 2,281 |
| Pretax return on assets | 1.6248% | 1,349 |
| Return on Equity (ROE) | 10.4217% | 2,156 |
| Retained earnings to average equity (ytd only) | 10.4217% | 1,089 |
| Net charge-offs to loans | 0.0567% | 4,673 |
| Credit loss provision to net charge-offs | 372.5490% | 1,382 |
| Earnings coverage of net charge-offs (x) | 36.7843% | 909 |
| Efficiency ratio | 51.1331% | 7,497 |
| Assets per employee ($millions) | 4.5490% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,370 |
| Loan loss allowance to noncurrent loans | 47.1813% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 2.4013% | 2,386 |
| Noncurrent loans to loans | 2.3595% | 2,795 |
| Net loans and leases to total assets | 84.6988% | 594 |
| Net loans and leases to deposits | 97.4271% | 1,748 |
| Net loans and leases to core deposits | 132.1740% | 1,525 |
| Total domestic deposits to total assets | 86.9356% | 2,250 |
| Equity capital to assets | 9.9764% | 4,030 |
| Core capital (leverage) ratio | 10.2197% | 3,180 |
| Tier 1 risk-based capital ratio | 11.4787% | 5,439 |
| Total risk-based capital ratio | 12.5811% | 5,482 |
| Memoranda: | ||
| Average total assets | $415,063,000 | 1,712 |
| Average earning assets | $388,812,500 | 1,680 |
| Average equity | $41,605,500 | 1,636 |
| Average total loans | $359,621,500 | 1,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4296% | 3,277 |
| Cost of funding earning assets | 2.4963% | 4,227 |
| Net interest margin | 3.9334% | 3,427 |
| Noninterest income to average assets | 0.3577% | 5,865 |
| Noninterest expense to average assets | 1.9519% | 7,538 |
| Loan and lease loss provision to assets | 0.1087% | 5,984 |
| Net operating income to assets | 1.2718% | 1,564 |
| Return on assets (ROA) | 1.0374% | 2,297 |
| Pretax return on assets | 1.6157% | 1,343 |
| Return on Equity (ROE) | 9.9845% | 2,265 |
| Retained earnings to average equity (ytd only) | 2.7877% | 3,447 |
| Net charge-offs to loans | 0.0899% | 5,459 |
| Credit loss provision to net charge-offs | 140.7285% | 3,769 |
| Earnings coverage of net charge-offs (x) | 27.0762% | 1,256 |
| Efficiency ratio | 48.2861% | 7,782 |
| Assets per employee ($millions) | 4.3771% | 2,831 |
| Cash dividends to net income (ytd only)* | 72.0798% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,341 |
| Loan loss allowance to noncurrent loans | 49.1297% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 2.0827% | 2,365 |
| Noncurrent loans to loans | 2.2215% | 2,480 |
| Net loans and leases to total assets | 86.7150% | 508 |
| Net loans and leases to deposits | 106.4130% | 1,088 |
| Net loans and leases to core deposits | 141.9365% | 1,162 |
| Total domestic deposits to total assets | 81.4891% | 4,415 |
| Equity capital to assets | 10.0733% | 3,950 |
| Core capital (leverage) ratio | 10.1902% | 3,284 |
| Tier 1 risk-based capital ratio | 11.3811% | 5,350 |
| Total risk-based capital ratio | 12.4646% | 5,407 |
| Memoranda: | ||
| Average total assets | $391,152,000 | 1,733 |
| Average earning assets | $366,428,800 | 1,698 |
| Average equity | $40,643,000 | 1,650 |
| Average total loans | $336,085,600 | 1,445 |