Home > Calvin B. Taylor Banking Company of Berlin, Maryland > Performance and Condition Ratios
Calvin B. Taylor Banking Company of Berlin, 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 | 4.3604% | 3,343 |
| Cost of funding earning assets | 0.7034% | 3,925 |
| Net interest margin | 3.6570% | 1,843 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.8348% | 3,944 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5764% | 897 |
| Return on assets (ROA) | 1.5182% | 950 |
| Pretax return on assets | 1.9507% | 719 |
| Return on Equity (ROE) | 13.8800% | 1,505 |
| Retained earnings to average equity (ytd only) | 9.6738% | 1,096 |
| Net charge-offs to loans | 0.0051% | 2,533 |
| Credit loss provision to net charge-offs | 632.1429% | 568 |
| Earnings coverage of net charge-offs (x) | 650.2857% | 225 |
| Efficiency ratio | 47.1589% | 4,139 |
| Assets per employee ($millions) | 7.6020% | 1,657 |
| Cash dividends to net income (ytd only)* | 30.3213% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5604% | 4,289 |
| Loan loss allowance to noncurrent loans | 808.2707% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 2,909 |
| Noncurrent loans to loans | 0.0693% | 3,215 |
| Net loans and leases to total assets | 67.2100% | 2,126 |
| Net loans and leases to deposits | 76.9874% | 2,356 |
| Net loans and leases to core deposits | 77.3807% | 2,889 |
| Total domestic deposits to total assets | 87.3000% | 1,588 |
| Equity capital to assets | 12.1226% | 1,089 |
| Core capital (leverage) ratio | 12.9121% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $885,649,800 | 1,098 |
| Average earning assets | $831,443,800 | 1,080 |
| Average equity | $96,848,800 | 969 |
| Average total loans | $550,066,600 | 1,152 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 3,338 |
| Cost of funding earning assets | 0.6461% | 3,883 |
| Net interest margin | 3.6268% | 1,932 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.7129% | 4,104 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.6249% | 896 |
| Return on assets (ROA) | 1.6081% | 924 |
| Pretax return on assets | 2.0778% | 687 |
| Return on Equity (ROE) | 15.1000% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.9315% | 1,168 |
| Net charge-offs to loans | -0.0015% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.3449% | 4,212 |
| Assets per employee ($millions) | 8.0918% | 1,301 |
| Cash dividends to net income (ytd only)* | 27.5846% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6272% | 4,235 |
| Loan loss allowance to noncurrent loans | 1,006.3584% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,130 |
| Noncurrent loans to loans | 0.0623% | 3,308 |
| Net loans and leases to total assets | 61.4200% | 2,715 |
| Net loans and leases to deposits | 69.1688% | 2,896 |
| Net loans and leases to core deposits | 69.4473% | 3,235 |
| Total domestic deposits to total assets | 88.8000% | 1,317 |
| Equity capital to assets | 10.7784% | 1,444 |
| Core capital (leverage) ratio | 12.2078% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $894,207,250 | 1,094 |
| Average earning assets | $839,471,000 | 1,075 |
| Average equity | $95,257,500 | 976 |
| Average total loans | $543,712,500 | 1,157 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 3,412 |
| Cost of funding earning assets | 0.6038% | 3,739 |
| Net interest margin | 3.5378% | 2,182 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.7122% | 4,133 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.4987% | 1,102 |
| Return on assets (ROA) | 1.4884% | 1,122 |
| Pretax return on assets | 1.9342% | 826 |
| Return on Equity (ROE) | 14.0300% | 1,677 |
| Retained earnings to average equity (ytd only) | 9.7235% | 1,482 |
| Net charge-offs to loans | 0.0163% | 1,596 |
| Credit loss provision to net charge-offs | 963.6364% | 424 |
| Earnings coverage of net charge-offs (x) | 207.1136% | 589 |
| Efficiency ratio | 45.6168% | 4,179 |
| Assets per employee ($millions) | 7.8300% | 1,401 |
| Cash dividends to net income (ytd only)* | 30.6847% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 4,282 |
| Loan loss allowance to noncurrent loans | 900.0000% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,346 |
| Noncurrent loans to loans | 0.0686% | 3,209 |
| Net loans and leases to total assets | 62.9000% | 2,490 |
| Net loans and leases to deposits | 70.9526% | 2,721 |
| Net loans and leases to core deposits | 71.2642% | 3,050 |
| Total domestic deposits to total assets | 88.6600% | 1,363 |
| Equity capital to assets | 10.9382% | 1,412 |
| Core capital (leverage) ratio | 12.3669% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $892,880,000 | 1,089 |
| Average earning assets | $838,313,667 | 1,068 |
| Average equity | $94,740,000 | 978 |
| Average total loans | $539,885,667 | 1,156 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,338 |
| Cost of funding earning assets | 0.5507% | 3,530 |
| Net interest margin | 3.5137% | 2,326 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.6942% | 4,204 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.4863% | 1,215 |
| Return on assets (ROA) | 1.4860% | 1,193 |
| Pretax return on assets | 1.9542% | 843 |
| Return on Equity (ROE) | 14.2200% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.2007% | 1,647 |
| Net charge-offs to loans | 0.0234% | 1,214 |
| Credit loss provision to net charge-offs | 693.5484% | 459 |
| Earnings coverage of net charge-offs (x) | 147.1935% | 617 |
| Efficiency ratio | 45.4317% | 4,252 |
| Assets per employee ($millions) | 8.0858% | 1,296 |
| Cash dividends to net income (ytd only)* | 28.2713% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 4,362 |
| Loan loss allowance to noncurrent loans | 1,475.1131% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,538 |
| Noncurrent loans to loans | 0.0404% | 3,448 |
| Net loans and leases to total assets | 61.0900% | 2,548 |
| Net loans and leases to deposits | 68.8521% | 2,708 |
| Net loans and leases to core deposits | 69.2469% | 3,003 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 10.7430% | 1,435 |
| Core capital (leverage) ratio | 11.8903% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $896,922,500 | 1,098 |
| Average earning assets | $843,999,000 | 1,076 |
| Average equity | $93,719,500 | 998 |
| Average total loans | $529,812,000 | 1,179 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 3,727 |
| Cost of funding earning assets | 0.1853% | 3,868 |
| Net interest margin | 3.0613% | 3,286 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.5575% | 4,358 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3458% | 1,294 |
| Return on assets (ROA) | 1.2889% | 1,429 |
| Pretax return on assets | 1.6933% | 935 |
| Return on Equity (ROE) | 12.7700% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.9991% | 1,481 |
| Net charge-offs to loans | -0.1090% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.7129% | 4,310 |
| Assets per employee ($millions) | 8.3741% | 1,155 |
| Cash dividends to net income (ytd only)* | 29.5362% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 4,422 |
| Loan loss allowance to noncurrent loans | 1,286.2745% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,611 |
| Noncurrent loans to loans | 0.0398% | 3,487 |
| Net loans and leases to total assets | 56.4400% | 2,981 |
| Net loans and leases to deposits | 63.0821% | 3,111 |
| Net loans and leases to core deposits | 63.4159% | 3,298 |
| Total domestic deposits to total assets | 89.4600% | 1,578 |
| Equity capital to assets | 10.1599% | 1,632 |
| Core capital (leverage) ratio | 11.2032% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $913,313,400 | 1,063 |
| Average earning assets | $862,435,600 | 1,042 |
| Average equity | $92,176,200 | 1,003 |
| Average total loans | $478,032,600 | 1,214 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 3,883 |
| Cost of funding earning assets | 0.1304% | 4,030 |
| Net interest margin | 2.8731% | 3,563 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.4543% | 4,468 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2677% | 1,460 |
| Return on assets (ROA) | 1.2679% | 1,427 |
| Pretax return on assets | 1.6720% | 957 |
| Return on Equity (ROE) | 12.5800% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.8729% | 1,689 |
| Net charge-offs to loans | 0.0196% | 1,444 |
| Credit loss provision to net charge-offs | 398.5507% | 708 |
| Earnings coverage of net charge-offs (x) | 170.3623% | 688 |
| Efficiency ratio | 45.9316% | 4,384 |
| Assets per employee ($millions) | 8.5442% | 1,045 |
| Cash dividends to net income (ytd only)* | 29.4854% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 4,512 |
| Loan loss allowance to noncurrent loans | 682.6625% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,563 |
| Noncurrent loans to loans | 0.0661% | 3,404 |
| Net loans and leases to total assets | 52.2200% | 3,258 |
| Net loans and leases to deposits | 57.9125% | 3,347 |
| Net loans and leases to core deposits | 58.2047% | 3,489 |
| Total domestic deposits to total assets | 90.1700% | 1,583 |
| Equity capital to assets | 9.5027% | 1,882 |
| Core capital (leverage) ratio | 10.8447% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $915,541,250 | 1,068 |
| Average earning assets | $865,157,250 | 1,047 |
| Average equity | $92,248,750 | 1,022 |
| Average total loans | $469,284,250 | 1,228 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7729% | 4,023 |
| Cost of funding earning assets | 0.1039% | 4,152 |
| Net interest margin | 2.6691% | 3,769 |
| Noninterest income to average assets | 0.4201% | 2,629 |
| Noninterest expense to average assets | 1.4492% | 4,472 |
| Loan and lease loss provision to assets | 0.0494% | 1,694 |
| Net operating income to assets | 1.0971% | 1,778 |
| Return on assets (ROA) | 1.0972% | 1,757 |
| Pretax return on assets | 1.4455% | 1,319 |
| Return on Equity (ROE) | 10.6826% | 2,098 |
| Retained earnings to average equity (ytd only) | 7.1403% | 1,942 |
| Net charge-offs to loans | 0.0164% | 1,418 |
| Credit loss provision to net charge-offs | 592.1053% | 578 |
| Earnings coverage of net charge-offs (x) | 179.0263% | 578 |
| Efficiency ratio | 49.2276% | 4,296 |
| Assets per employee ($millions) | 8.2485% | 1,177 |
| Cash dividends to net income (ytd only)* | 33.1598% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 4,592 |
| Loan loss allowance to noncurrent loans | 620.7386% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,601 |
| Noncurrent loans to loans | 0.0719% | 3,437 |
| Net loans and leases to total assets | 52.7346% | 3,089 |
| Net loans and leases to deposits | 58.8700% | 3,140 |
| Net loans and leases to core deposits | 59.2855% | 3,323 |
| Total domestic deposits to total assets | 89.5780% | 1,907 |
| Equity capital to assets | 9.9233% | 1,750 |
| Core capital (leverage) ratio | 10.7896% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $910,281,667 | 1,068 |
| Average earning assets | $860,745,333 | 1,053 |
| Average equity | $93,498,000 | 1,016 |
| Average total loans | $462,863,000 | 1,238 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5614% | 4,184 |
| Cost of funding earning assets | 0.0990% | 4,142 |
| Net interest margin | 2.4624% | 3,971 |
| Noninterest income to average assets | 0.4578% | 2,372 |
| Noninterest expense to average assets | 1.4428% | 4,488 |
| Loan and lease loss provision to assets | 0.0332% | 1,771 |
| Net operating income to assets | 1.0153% | 1,811 |
| Return on assets (ROA) | 1.0156% | 1,802 |
| Pretax return on assets | 1.3167% | 1,457 |
| Return on Equity (ROE) | 9.7194% | 2,078 |
| Retained earnings to average equity (ytd only) | 6.2112% | 2,174 |
| Net charge-offs to loans | 0.0187% | 1,156 |
| Credit loss provision to net charge-offs | 357.1429% | 617 |
| Earnings coverage of net charge-offs (x) | 145.1429% | 546 |
| Efficiency ratio | 51.6727% | 4,216 |
| Assets per employee ($millions) | 8.2175% | 1,244 |
| Cash dividends to net income (ytd only)* | 36.0942% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4421% | 4,624 |
| Loan loss allowance to noncurrent loans | 855.4167% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,781 |
| Noncurrent loans to loans | 0.0517% | 3,611 |
| Net loans and leases to total assets | 51.1438% | 3,053 |
| Net loans and leases to deposits | 57.3050% | 3,148 |
| Net loans and leases to core deposits | 57.7195% | 3,320 |
| Total domestic deposits to total assets | 89.2484% | 1,953 |
| Equity capital to assets | 10.1926% | 1,762 |
| Core capital (leverage) ratio | 10.9966% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $903,504,000 | 1,077 |
| Average earning assets | $856,569,500 | 1,062 |
| Average equity | $94,409,500 | 1,035 |
| Average total loans | $449,611,000 | 1,260 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8938% | 4,065 |
| Cost of funding earning assets | 0.1009% | 4,378 |
| Net interest margin | 2.7929% | 3,680 |
| Noninterest income to average assets | 0.4787% | 2,681 |
| Noninterest expense to average assets | 1.5967% | 4,430 |
| Loan and lease loss provision to assets | 0.0152% | 2,774 |
| Net operating income to assets | 1.1494% | 2,113 |
| Return on assets (ROA) | 1.1543% | 2,147 |
| Pretax return on assets | 1.5098% | 1,690 |
| Return on Equity (ROE) | 10.0213% | 2,509 |
| Retained earnings to average equity (ytd only) | 6.1902% | 2,277 |
| Net charge-offs to loans | -0.0083% | 3,683 |
| Credit loss provision to net charge-offs | -337.8378% | 3,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2493% | 4,182 |
| Assets per employee ($millions) | 8.6835% | 1,025 |
| Cash dividends to net income (ytd only)* | 38.2297% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4595% | 4,653 |
| Loan loss allowance to noncurrent loans | 469.0141% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,660 |
| Noncurrent loans to loans | 0.0980% | 3,440 |
| Net loans and leases to total assets | 47.9324% | 3,499 |
| Net loans and leases to deposits | 53.8723% | 3,608 |
| Net loans and leases to core deposits | 54.2632% | 3,738 |
| Total domestic deposits to total assets | 88.9741% | 1,530 |
| Equity capital to assets | 10.7061% | 2,008 |
| Core capital (leverage) ratio | 10.6945% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $822,145,800 | 1,129 |
| Average earning assets | $776,186,800 | 1,119 |
| Average equity | $94,698,000 | 1,054 |
| Average total loans | $443,439,400 | 1,276 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9175% | 4,138 |
| Cost of funding earning assets | 0.1009% | 4,494 |
| Net interest margin | 2.8165% | 3,744 |
| Noninterest income to average assets | 0.5126% | 2,570 |
| Noninterest expense to average assets | 1.5444% | 4,541 |
| Loan and lease loss provision to assets | 0.0208% | 2,574 |
| Net operating income to assets | 1.2193% | 2,101 |
| Return on assets (ROA) | 1.2267% | 2,138 |
| Pretax return on assets | 1.6101% | 1,668 |
| Return on Equity (ROE) | 10.4426% | 2,572 |
| Retained earnings to average equity (ytd only) | 6.6650% | 2,550 |
| Net charge-offs to loans | -0.0147% | 3,839 |
| Credit loss provision to net charge-offs | -255.1020% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7816% | 4,312 |
| Assets per employee ($millions) | 8.6846% | 990 |
| Cash dividends to net income (ytd only)* | 36.1751% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 4,741 |
| Loan loss allowance to noncurrent loans | 402.8056% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,765 |
| Noncurrent loans to loans | 0.1119% | 3,533 |
| Net loans and leases to total assets | 48.6715% | 3,556 |
| Net loans and leases to deposits | 54.9206% | 3,661 |
| Net loans and leases to core deposits | 55.3752% | 3,823 |
| Total domestic deposits to total assets | 88.6217% | 1,503 |
| Equity capital to assets | 10.5690% | 2,401 |
| Core capital (leverage) ratio | 10.9913% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,912,250 | 1,168 |
| Average earning assets | $755,472,750 | 1,154 |
| Average equity | $94,201,250 | 1,073 |
| Average total loans | $445,582,750 | 1,296 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9379% | 4,164 |
| Cost of funding earning assets | 0.1036% | 4,555 |
| Net interest margin | 2.8342% | 3,712 |
| Noninterest income to average assets | 0.5371% | 2,460 |
| Noninterest expense to average assets | 1.6044% | 4,503 |
| Loan and lease loss provision to assets | 0.0327% | 2,330 |
| Net operating income to assets | 1.2127% | 2,141 |
| Return on assets (ROA) | 1.2244% | 2,166 |
| Pretax return on assets | 1.5812% | 1,789 |
| Return on Equity (ROE) | 10.0240% | 2,732 |
| Retained earnings to average equity (ytd only) | 6.0508% | 2,781 |
| Net charge-offs to loans | 0.0058% | 1,937 |
| Credit loss provision to net charge-offs | 961.5385% | 486 |
| Earnings coverage of net charge-offs (x) | 470.6154% | 277 |
| Efficiency ratio | 50.0857% | 4,230 |
| Assets per employee ($millions) | 7.6777% | 1,378 |
| Cash dividends to net income (ytd only)* | 39.6371% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4259% | 4,781 |
| Loan loss allowance to noncurrent loans | 277.4929% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 3,648 |
| Noncurrent loans to loans | 0.1535% | 3,435 |
| Net loans and leases to total assets | 54.4170% | 3,091 |
| Net loans and leases to deposits | 61.5342% | 3,243 |
| Net loans and leases to core deposits | 62.0606% | 3,455 |
| Total domestic deposits to total assets | 88.4337% | 1,602 |
| Equity capital to assets | 11.3194% | 1,743 |
| Core capital (leverage) ratio | 12.0593% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $765,255,000 | 1,206 |
| Average earning assets | $719,911,000 | 1,201 |
| Average equity | $93,476,000 | 1,074 |
| Average total loans | $445,497,667 | 1,301 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0653% | 3,955 |
| Cost of funding earning assets | 0.1089% | 4,597 |
| Net interest margin | 2.9564% | 3,362 |
| Noninterest income to average assets | 0.7003% | 1,867 |
| Noninterest expense to average assets | 1.6566% | 4,457 |
| Loan and lease loss provision to assets | 0.0685% | 1,779 |
| Net operating income to assets | 1.4006% | 1,574 |
| Return on assets (ROA) | 1.4274% | 1,574 |
| Pretax return on assets | 1.7920% | 1,303 |
| Return on Equity (ROE) | 11.2138% | 2,298 |
| Retained earnings to average equity (ytd only) | 6.6645% | 2,676 |
| Net charge-offs to loans | 0.0055% | 1,708 |
| Credit loss provision to net charge-offs | 2,083.3333% | 241 |
| Earnings coverage of net charge-offs (x) | 555.3333% | 171 |
| Efficiency ratio | 47.5523% | 4,371 |
| Assets per employee ($millions) | 6.9377% | 1,837 |
| Cash dividends to net income (ytd only)* | 40.5686% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4290% | 4,812 |
| Loan loss allowance to noncurrent loans | 122.5705% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,094 |
| Noncurrent loans to loans | 0.3500% | 2,831 |
| Net loans and leases to total assets | 60.5550% | 2,470 |
| Net loans and leases to deposits | 69.4060% | 2,564 |
| Net loans and leases to core deposits | 69.9408% | 2,869 |
| Total domestic deposits to total assets | 87.2475% | 2,206 |
| Equity capital to assets | 12.4559% | 1,097 |
| Core capital (leverage) ratio | 12.9305% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,447,000 | 1,243 |
| Average earning assets | $686,776,000 | 1,238 |
| Average equity | $92,849,500 | 1,070 |
| Average total loans | $439,572,500 | 1,307 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 4,047 |
| Cost of funding earning assets | 0.1218% | 4,810 |
| Net interest margin | 3.3684% | 2,870 |
| Noninterest income to average assets | 0.4213% | 3,010 |
| Noninterest expense to average assets | 1.9036% | 4,316 |
| Loan and lease loss provision to assets | 0.1537% | 2,451 |
| Net operating income to assets | 1.1413% | 1,760 |
| Return on assets (ROA) | 1.1625% | 1,794 |
| Pretax return on assets | 1.5400% | 1,223 |
| Return on Equity (ROE) | 8.0797% | 2,783 |
| Retained earnings to average equity (ytd only) | 4.7023% | 2,418 |
| Net charge-offs to loans | -0.0045% | 4,103 |
| Credit loss provision to net charge-offs | -5,361.1111% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3167% | 4,280 |
| Assets per employee ($millions) | 6.6945% | 1,787 |
| Cash dividends to net income (ytd only)* | 41.8002% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4336% | 4,834 |
| Loan loss allowance to noncurrent loans | 109.4160% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 3,107 |
| Noncurrent loans to loans | 0.3963% | 2,792 |
| Net loans and leases to total assets | 59.4165% | 2,934 |
| Net loans and leases to deposits | 68.5961% | 3,021 |
| Net loans and leases to core deposits | 69.1567% | 3,322 |
| Total domestic deposits to total assets | 86.6179% | 2,105 |
| Equity capital to assets | 13.0168% | 1,080 |
| Core capital (leverage) ratio | 13.0457% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $627,854,200 | 1,286 |
| Average earning assets | $586,985,600 | 1,287 |
| Average equity | $90,338,000 | 1,054 |
| Average total loans | $399,710,800 | 1,356 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 4,007 |
| Cost of funding earning assets | 0.1215% | 4,876 |
| Net interest margin | 3.4801% | 2,655 |
| Noninterest income to average assets | 0.4225% | 2,973 |
| Noninterest expense to average assets | 1.8019% | 4,497 |
| Loan and lease loss provision to assets | 0.1757% | 2,225 |
| Net operating income to assets | 1.2700% | 1,422 |
| Return on assets (ROA) | 1.2968% | 1,457 |
| Pretax return on assets | 1.7304% | 908 |
| Return on Equity (ROE) | 8.7689% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.4338% | 2,358 |
| Net charge-offs to loans | -0.0115% | 4,261 |
| Credit loss provision to net charge-offs | -2,352.9412% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0470% | 4,551 |
| Assets per employee ($millions) | 6.5201% | 1,816 |
| Cash dividends to net income (ytd only)* | 38.0332% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4018% | 4,880 |
| Loan loss allowance to noncurrent loans | 104.0074% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 3,281 |
| Noncurrent loans to loans | 0.3863% | 2,908 |
| Net loans and leases to total assets | 59.9390% | 3,236 |
| Net loans and leases to deposits | 69.2811% | 3,369 |
| Net loans and leases to core deposits | 69.8004% | 3,634 |
| Total domestic deposits to total assets | 86.5157% | 1,856 |
| Equity capital to assets | 13.1671% | 1,117 |
| Core capital (leverage) ratio | 13.5937% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,412,500 | 1,297 |
| Average earning assets | $567,486,000 | 1,300 |
| Average equity | $89,830,000 | 1,049 |
| Average total loans | $393,771,500 | 1,370 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 3,835 |
| Cost of funding earning assets | 0.1252% | 4,933 |
| Net interest margin | 3.6857% | 2,222 |
| Noninterest income to average assets | 0.4129% | 3,004 |
| Noninterest expense to average assets | 1.8721% | 4,460 |
| Loan and lease loss provision to assets | 0.1853% | 2,170 |
| Net operating income to assets | 1.3367% | 1,258 |
| Return on assets (ROA) | 1.3791% | 1,250 |
| Pretax return on assets | 1.8447% | 747 |
| Return on Equity (ROE) | 8.9307% | 2,387 |
| Retained earnings to average equity (ytd only) | 5.6936% | 2,197 |
| Net charge-offs to loans | -0.0203% | 4,408 |
| Credit loss provision to net charge-offs | -1,371.7949% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6452% | 4,581 |
| Assets per employee ($millions) | 6.0632% | 2,132 |
| Cash dividends to net income (ytd only)* | 36.2472% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3389% | 4,940 |
| Loan loss allowance to noncurrent loans | 86.8533% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 3,293 |
| Noncurrent loans to loans | 0.3902% | 3,006 |
| Net loans and leases to total assets | 65.2962% | 2,723 |
| Net loans and leases to deposits | 76.4896% | 2,804 |
| Net loans and leases to core deposits | 77.0846% | 3,188 |
| Total domestic deposits to total assets | 85.3662% | 2,248 |
| Equity capital to assets | 14.1280% | 827 |
| Core capital (leverage) ratio | 15.1045% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $577,331,333 | 1,335 |
| Average earning assets | $538,133,000 | 1,331 |
| Average equity | $89,153,000 | 1,042 |
| Average total loans | $385,077,000 | 1,378 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,655 |
| Cost of funding earning assets | 0.1395% | 4,991 |
| Net interest margin | 3.9104% | 1,645 |
| Noninterest income to average assets | 0.4252% | 2,936 |
| Noninterest expense to average assets | 2.0285% | 4,346 |
| Loan and lease loss provision to assets | 0.1616% | 1,794 |
| Net operating income to assets | 1.4016% | 971 |
| Return on assets (ROA) | 1.4138% | 1,025 |
| Pretax return on assets | 1.8948% | 574 |
| Return on Equity (ROE) | 8.7174% | 2,225 |
| Retained earnings to average equity (ytd only) | 5.4523% | 2,085 |
| Net charge-offs to loans | 0.0316% | 1,757 |
| Credit loss provision to net charge-offs | 758.6207% | 682 |
| Earnings coverage of net charge-offs (x) | 95.8276% | 596 |
| Efficiency ratio | 49.8466% | 4,679 |
| Assets per employee ($millions) | 5.2244% | 2,400 |
| Cash dividends to net income (ytd only)* | 37.4545% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2815% | 5,001 |
| Loan loss allowance to noncurrent loans | 46.2561% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 2,797 |
| Noncurrent loans to loans | 0.6085% | 2,467 |
| Net loans and leases to total assets | 68.0713% | 2,527 |
| Net loans and leases to deposits | 81.8491% | 2,472 |
| Net loans and leases to core deposits | 82.6220% | 2,966 |
| Total domestic deposits to total assets | 83.1669% | 3,056 |
| Equity capital to assets | 16.4122% | 521 |
| Core capital (leverage) ratio | 16.3330% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,646,000 | 1,365 |
| Average earning assets | $507,571,000 | 1,356 |
| Average equity | $88,329,000 | 1,048 |
| Average total loans | $367,072,000 | 1,397 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 3,923 |
| Cost of funding earning assets | 0.1383% | 5,059 |
| Net interest margin | 4.0133% | 1,814 |
| Noninterest income to average assets | 0.5117% | 2,665 |
| Noninterest expense to average assets | 2.1343% | 4,298 |
| Loan and lease loss provision to assets | 0.0506% | 3,012 |
| Net operating income to assets | 1.5543% | 935 |
| Return on assets (ROA) | 1.5603% | 975 |
| Pretax return on assets | 2.0735% | 507 |
| Return on Equity (ROE) | 9.7887% | 2,397 |
| Retained earnings to average equity (ytd only) | 5.7964% | 1,980 |
| Net charge-offs to loans | 0.0103% | 3,318 |
| Credit loss provision to net charge-offs | 750.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 277 |
| Efficiency ratio | 50.2114% | 4,721 |
| Assets per employee ($millions) | 5.3005% | 2,247 |
| Cash dividends to net income (ytd only)* | 40.7847% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2348% | 5,077 |
| Loan loss allowance to noncurrent loans | 36.3443% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,671 |
| Noncurrent loans to loans | 0.6461% | 2,273 |
| Net loans and leases to total assets | 66.3773% | 2,909 |
| Net loans and leases to deposits | 79.8013% | 2,802 |
| Net loans and leases to core deposits | 81.1502% | 3,203 |
| Total domestic deposits to total assets | 83.1782% | 3,145 |
| Equity capital to assets | 16.0241% | 601 |
| Core capital (leverage) ratio | 15.8866% | 541 |
| Tier 1 risk-based capital ratio | 24.9065% | 759 |
| Total risk-based capital ratio | 25.1498% | 823 |
| Memoranda: | ||
| Average total assets | $534,122,800 | 1,344 |
| Average earning assets | $497,615,000 | 1,337 |
| Average equity | $85,139,400 | 1,033 |
| Average total loans | $347,972,600 | 1,428 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 4,018 |
| Cost of funding earning assets | 0.1358% | 5,140 |
| Net interest margin | 4.0237% | 1,853 |
| Noninterest income to average assets | 0.5261% | 2,574 |
| Noninterest expense to average assets | 2.0144% | 4,521 |
| Loan and lease loss provision to assets | 0.0489% | 2,916 |
| Net operating income to assets | 1.6653% | 798 |
| Return on assets (ROA) | 1.6685% | 838 |
| Pretax return on assets | 2.2157% | 444 |
| Return on Equity (ROE) | 10.4815% | 2,221 |
| Retained earnings to average equity (ytd only) | 6.4794% | 2,132 |
| Net charge-offs to loans | 0.0236% | 2,628 |
| Credit loss provision to net charge-offs | 319.6721% | 917 |
| Earnings coverage of net charge-offs (x) | 147.6417% | 549 |
| Efficiency ratio | 47.1200% | 4,894 |
| Assets per employee ($millions) | 5.2841% | 2,243 |
| Cash dividends to net income (ytd only)* | 38.1827% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2135% | 5,155 |
| Loan loss allowance to noncurrent loans | 70.0465% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 3,789 |
| Noncurrent loans to loans | 0.3048% | 3,441 |
| Net loans and leases to total assets | 63.4392% | 3,343 |
| Net loans and leases to deposits | 75.4936% | 3,343 |
| Net loans and leases to core deposits | 76.1579% | 3,690 |
| Total domestic deposits to total assets | 84.0325% | 2,810 |
| Equity capital to assets | 15.6231% | 709 |
| Core capital (leverage) ratio | 15.7299% | 597 |
| Tier 1 risk-based capital ratio | 25.3931% | 750 |
| Total risk-based capital ratio | 25.6141% | 799 |
| Memoranda: | ||
| Average total assets | $531,165,250 | 1,352 |
| Average earning assets | $494,894,750 | 1,346 |
| Average equity | $84,553,250 | 1,030 |
| Average total loans | $344,155,250 | 1,456 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 4,076 |
| Cost of funding earning assets | 0.1325% | 5,191 |
| Net interest margin | 4.0037% | 1,907 |
| Noninterest income to average assets | 0.5198% | 2,568 |
| Noninterest expense to average assets | 2.0146% | 4,580 |
| Loan and lease loss provision to assets | 0.0573% | 2,677 |
| Net operating income to assets | 1.6420% | 828 |
| Return on assets (ROA) | 1.6420% | 865 |
| Pretax return on assets | 2.1771% | 466 |
| Return on Equity (ROE) | 10.2476% | 2,271 |
| Retained earnings to average equity (ytd only) | 6.9176% | 1,849 |
| Net charge-offs to loans | 0.0352% | 2,164 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 97.4333% | 711 |
| Efficiency ratio | 47.4139% | 4,927 |
| Assets per employee ($millions) | 4.8314% | 2,700 |
| Cash dividends to net income (ytd only)* | 32.4953% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2016% | 5,216 |
| Loan loss allowance to noncurrent loans | 62.7989% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 3,708 |
| Noncurrent loans to loans | 0.3210% | 3,381 |
| Net loans and leases to total assets | 67.2734% | 2,930 |
| Net loans and leases to deposits | 80.7799% | 2,873 |
| Net loans and leases to core deposits | 81.5231% | 3,298 |
| Total domestic deposits to total assets | 83.2800% | 3,124 |
| Equity capital to assets | 16.3858% | 554 |
| Core capital (leverage) ratio | 16.6586% | 467 |
| Tier 1 risk-based capital ratio | 24.7674% | 773 |
| Total risk-based capital ratio | 24.9733% | 853 |
| Memoranda: | ||
| Average total assets | $523,275,670 | 1,372 |
| Average earning assets | $487,393,330 | 1,362 |
| Average equity | $83,843,670 | 1,039 |
| Average total loans | $341,295,330 | 1,473 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 4,239 |
| Cost of funding earning assets | 0.1270% | 5,248 |
| Net interest margin | 3.9311% | 2,087 |
| Noninterest income to average assets | 0.4565% | 2,818 |
| Noninterest expense to average assets | 2.0266% | 4,594 |
| Loan and lease loss provision to assets | 0.0534% | 2,595 |
| Net operating income to assets | 1.5373% | 1,036 |
| Return on assets (ROA) | 1.5373% | 1,061 |
| Pretax return on assets | 2.0389% | 596 |
| Return on Equity (ROE) | 9.7002% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.3384% | 2,302 |
| Net charge-offs to loans | -0.0083% | 4,163 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2031% | 4,881 |
| Assets per employee ($millions) | 4.9366% | 2,603 |
| Cash dividends to net income (ytd only)* | 34.6574% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2022% | 5,279 |
| Loan loss allowance to noncurrent loans | 57.5682% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 3,689 |
| Noncurrent loans to loans | 0.3512% | 3,324 |
| Net loans and leases to total assets | 66.2875% | 3,012 |
| Net loans and leases to deposits | 79.4747% | 2,896 |
| Net loans and leases to core deposits | 80.2086% | 3,350 |
| Total domestic deposits to total assets | 83.4071% | 3,252 |
| Equity capital to assets | 16.1714% | 546 |
| Core capital (leverage) ratio | 16.2253% | 505 |
| Tier 1 risk-based capital ratio | 24.6596% | 788 |
| Total risk-based capital ratio | 24.8646% | 852 |
| Memoranda: | ||
| Average total assets | $524,020,000 | 1,377 |
| Average earning assets | $488,207,500 | 1,368 |
| Average equity | $83,049,500 | 1,039 |
| Average total loans | $336,076,500 | 1,494 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 4,592 |
| Cost of funding earning assets | 0.0833% | 5,321 |
| Net interest margin | 3.6658% | 3,173 |
| Noninterest income to average assets | 0.4443% | 3,140 |
| Noninterest expense to average assets | 2.0872% | 4,593 |
| Loan and lease loss provision to assets | 0.0085% | 3,959 |
| Net operating income to assets | 1.3540% | 1,600 |
| Return on assets (ROA) | 1.4120% | 1,375 |
| Pretax return on assets | 1.8432% | 826 |
| Return on Equity (ROE) | 9.2041% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.5010% | 3,053 |
| Net charge-offs to loans | 0.0704% | 2,108 |
| Credit loss provision to net charge-offs | 20.5479% | 3,399 |
| Earnings coverage of net charge-offs (x) | 42.9361% | 1,252 |
| Efficiency ratio | 53.9948% | 4,619 |
| Assets per employee ($millions) | 4.9972% | 2,506 |
| Cash dividends to net income (ytd only)* | 51.0983% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1888% | 5,327 |
| Loan loss allowance to noncurrent loans | 52.3246% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 3,710 |
| Noncurrent loans to loans | 0.3608% | 3,247 |
| Net loans and leases to total assets | 61.7790% | 3,590 |
| Net loans and leases to deposits | 73.3141% | 3,559 |
| Net loans and leases to core deposits | 74.0514% | 3,848 |
| Total domestic deposits to total assets | 84.2661% | 2,914 |
| Equity capital to assets | 15.5326% | 610 |
| Core capital (leverage) ratio | 15.4035% | 612 |
| Tier 1 risk-based capital ratio | 25.3867% | 720 |
| Total risk-based capital ratio | 25.5775% | 778 |
| Memoranda: | ||
| Average total assets | $528,750,000 | 1,334 |
| Average earning assets | $493,480,800 | 1,330 |
| Average equity | $81,116,200 | 1,015 |
| Average total loans | $310,951,400 | 1,550 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 4,699 |
| Cost of funding earning assets | 0.0719% | 5,402 |
| Net interest margin | 3.6005% | 3,364 |
| Noninterest income to average assets | 0.4566% | 3,129 |
| Noninterest expense to average assets | 2.0613% | 4,620 |
| Loan and lease loss provision to assets | 0.0063% | 3,847 |
| Net operating income to assets | 1.3255% | 1,758 |
| Return on assets (ROA) | 1.4026% | 1,477 |
| Pretax return on assets | 1.8454% | 915 |
| Return on Equity (ROE) | 9.1717% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.4330% | 1,910 |
| Net charge-offs to loans | 0.0261% | 2,596 |
| Credit loss provision to net charge-offs | 41.6667% | 2,893 |
| Earnings coverage of net charge-offs (x) | 115.8804% | 674 |
| Efficiency ratio | 54.0267% | 4,613 |
| Assets per employee ($millions) | 5.3718% | 2,052 |
| Cash dividends to net income (ytd only)* | 18.9569% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2376% | 5,387 |
| Loan loss allowance to noncurrent loans | 121.8650% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 4,270 |
| Noncurrent loans to loans | 0.1950% | 4,011 |
| Net loans and leases to total assets | 56.9715% | 4,134 |
| Net loans and leases to deposits | 67.0036% | 4,126 |
| Net loans and leases to core deposits | 67.6825% | 4,311 |
| Total domestic deposits to total assets | 85.0275% | 2,597 |
| Equity capital to assets | 14.8445% | 754 |
| Core capital (leverage) ratio | 15.2014% | 655 |
| Tier 1 risk-based capital ratio | 25.8779% | 689 |
| Total risk-based capital ratio | 26.1136% | 745 |
| Memoranda: | ||
| Average total assets | $528,513,000 | 1,338 |
| Average earning assets | $493,033,000 | 1,332 |
| Average equity | $80,826,250 | 1,015 |
| Average total loans | $306,724,000 | 1,573 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 4,726 |
| Cost of funding earning assets | 0.0729% | 5,456 |
| Net interest margin | 3.5524% | 3,464 |
| Noninterest income to average assets | 0.4544% | 3,123 |
| Noninterest expense to average assets | 2.1379% | 4,519 |
| Loan and lease loss provision to assets | 0.0096% | 3,657 |
| Net operating income to assets | 1.2200% | 2,101 |
| Return on assets (ROA) | 1.3382% | 1,651 |
| Pretax return on assets | 1.7641% | 1,056 |
| Return on Equity (ROE) | 8.6590% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.9018% | 2,112 |
| Net charge-offs to loans | 0.0390% | 2,071 |
| Credit loss provision to net charge-offs | 42.3729% | 2,545 |
| Earnings coverage of net charge-offs (x) | 71.3559% | 898 |
| Efficiency ratio | 56.8294% | 4,381 |
| Assets per employee ($millions) | 5.3218% | 2,080 |
| Cash dividends to net income (ytd only)* | 20.2940% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2443% | 5,442 |
| Loan loss allowance to noncurrent loans | 120.2532% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 4,194 |
| Noncurrent loans to loans | 0.2031% | 3,991 |
| Net loans and leases to total assets | 58.9066% | 3,908 |
| Net loans and leases to deposits | 69.7284% | 3,882 |
| Net loans and leases to core deposits | 70.4821% | 4,120 |
| Total domestic deposits to total assets | 84.4801% | 2,881 |
| Equity capital to assets | 15.4203% | 607 |
| Core capital (leverage) ratio | 16.0607% | 481 |
| Tier 1 risk-based capital ratio | 26.1011% | 666 |
| Total risk-based capital ratio | 26.3445% | 711 |
| Memoranda: | ||
| Average total assets | $518,460,330 | 1,362 |
| Average earning assets | $482,721,000 | 1,367 |
| Average equity | $80,124,330 | 1,020 |
| Average total loans | $302,618,330 | 1,593 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 4,720 |
| Cost of funding earning assets | 0.0724% | 5,514 |
| Net interest margin | 3.5197% | 3,462 |
| Noninterest income to average assets | 0.4169% | 3,335 |
| Noninterest expense to average assets | 2.2844% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0794% | 2,524 |
| Return on assets (ROA) | 1.3184% | 1,588 |
| Pretax return on assets | 1.7229% | 1,059 |
| Return on Equity (ROE) | 8.5213% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.5213% | 1,656 |
| Net charge-offs to loans | 0.0456% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 53.7059% | 911 |
| Efficiency ratio | 61.6628% | 3,845 |
| Assets per employee ($millions) | 5.3045% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2517% | 5,506 |
| Loan loss allowance to noncurrent loans | 106.0056% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,252 |
| Noncurrent loans to loans | 0.2374% | 3,924 |
| Net loans and leases to total assets | 59.0746% | 3,845 |
| Net loans and leases to deposits | 70.2456% | 3,770 |
| Net loans and leases to core deposits | 71.0763% | 4,024 |
| Total domestic deposits to total assets | 84.0972% | 3,286 |
| Equity capital to assets | 15.7473% | 529 |
| Core capital (leverage) ratio | 15.7597% | 522 |
| Tier 1 risk-based capital ratio | 26.4746% | 651 |
| Total risk-based capital ratio | 26.7245% | 709 |
| Memoranda: | ||
| Average total assets | $514,261,500 | 1,385 |
| Average earning assets | $480,375,500 | 1,384 |
| Average equity | $79,565,000 | 1,034 |
| Average total loans | $298,370,500 | 1,610 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4945% | 4,794 |
| Cost of funding earning assets | 0.0747% | 5,564 |
| Net interest margin | 3.4198% | 3,786 |
| Noninterest income to average assets | 0.4685% | 3,203 |
| Noninterest expense to average assets | 2.0013% | 4,956 |
| Loan and lease loss provision to assets | 0.0069% | 4,127 |
| Net operating income to assets | 1.0897% | 1,890 |
| Return on assets (ROA) | 1.0895% | 1,917 |
| Pretax return on assets | 1.6498% | 1,158 |
| Return on Equity (ROE) | 6.9851% | 3,286 |
| Retained earnings to average equity (ytd only) | 1.4960% | 4,405 |
| Net charge-offs to loans | -0.0145% | 4,871 |
| Credit loss provision to net charge-offs | -85.3659% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7068% | 4,885 |
| Assets per employee ($millions) | 5.2988% | 2,149 |
| Cash dividends to net income (ytd only)* | 78.5831% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2687% | 5,562 |
| Loan loss allowance to noncurrent loans | 84.0933% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 4,085 |
| Noncurrent loans to loans | 0.3195% | 3,628 |
| Net loans and leases to total assets | 56.6854% | 4,131 |
| Net loans and leases to deposits | 66.9498% | 4,107 |
| Net loans and leases to core deposits | 67.7601% | 4,312 |
| Total domestic deposits to total assets | 84.6686% | 2,963 |
| Equity capital to assets | 15.2014% | 641 |
| Core capital (leverage) ratio | 15.2490% | 576 |
| Tier 1 risk-based capital ratio | 26.6638% | 613 |
| Total risk-based capital ratio | 26.9322% | 672 |
| Memoranda: | ||
| Average total assets | $505,266,800 | 1,391 |
| Average earning assets | $471,281,600 | 1,383 |
| Average equity | $78,810,400 | 1,020 |
| Average total loans | $282,365,600 | 1,645 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 4,845 |
| Cost of funding earning assets | 0.0749% | 5,627 |
| Net interest margin | 3.4021% | 3,845 |
| Noninterest income to average assets | 0.4730% | 3,193 |
| Noninterest expense to average assets | 1.8967% | 5,138 |
| Loan and lease loss provision to assets | 0.0053% | 4,012 |
| Net operating income to assets | 1.1156% | 2,015 |
| Return on assets (ROA) | 1.1152% | 2,082 |
| Pretax return on assets | 1.7429% | 1,017 |
| Return on Equity (ROE) | 7.1033% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.4546% | 3,247 |
| Net charge-offs to loans | -0.0263% | 4,950 |
| Credit loss provision to net charge-offs | -36.3636% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0300% | 5,096 |
| Assets per employee ($millions) | 5.5282% | 1,899 |
| Cash dividends to net income (ytd only)* | 37.2885% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2782% | 5,627 |
| Loan loss allowance to noncurrent loans | 107.6087% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,451 |
| Noncurrent loans to loans | 0.2585% | 4,036 |
| Net loans and leases to total assets | 52.9493% | 4,498 |
| Net loans and leases to deposits | 63.1609% | 4,437 |
| Net loans and leases to core deposits | 64.1974% | 4,596 |
| Total domestic deposits to total assets | 83.8323% | 3,181 |
| Equity capital to assets | 15.0137% | 726 |
| Core capital (leverage) ratio | 15.3184% | 606 |
| Tier 1 risk-based capital ratio | 28.2031% | 553 |
| Total risk-based capital ratio | 28.4816% | 600 |
| Memoranda: | ||
| Average total assets | $501,761,750 | 1,406 |
| Average earning assets | $467,891,500 | 1,399 |
| Average equity | $78,778,250 | 1,024 |
| Average total loans | $279,168,750 | 1,670 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 4,792 |
| Cost of funding earning assets | 0.0749% | 5,668 |
| Net interest margin | 3.4137% | 3,724 |
| Noninterest income to average assets | 0.4602% | 3,286 |
| Noninterest expense to average assets | 1.9193% | 5,158 |
| Loan and lease loss provision to assets | 0.0082% | 3,764 |
| Net operating income to assets | 1.0999% | 1,974 |
| Return on assets (ROA) | 1.0994% | 2,031 |
| Pretax return on assets | 1.7113% | 1,031 |
| Return on Equity (ROE) | 6.8925% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.8925% | 3,986 |
| Net charge-offs to loans | -0.0447% | 5,125 |
| Credit loss provision to net charge-offs | -32.2581% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7348% | 5,116 |
| Assets per employee ($millions) | 5.1086% | 2,264 |
| Cash dividends to net income (ytd only)* | 58.0334% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2806% | 5,675 |
| Loan loss allowance to noncurrent loans | 107.6819% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,459 |
| Noncurrent loans to loans | 0.2606% | 4,103 |
| Net loans and leases to total assets | 56.7105% | 4,156 |
| Net loans and leases to deposits | 68.0387% | 4,068 |
| Net loans and leases to core deposits | 69.1946% | 4,280 |
| Total domestic deposits to total assets | 83.3503% | 3,450 |
| Equity capital to assets | 15.7868% | 558 |
| Core capital (leverage) ratio | 16.1498% | 458 |
| Tier 1 risk-based capital ratio | 27.2202% | 598 |
| Total risk-based capital ratio | 27.4965% | 639 |
| Memoranda: | ||
| Average total assets | $490,270,330 | 1,444 |
| Average earning assets | $456,635,000 | 1,435 |
| Average equity | $78,201,330 | 1,031 |
| Average total loans | $277,316,670 | 1,676 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 4,834 |
| Cost of funding earning assets | 0.0760% | 5,724 |
| Net interest margin | 3.3708% | 3,759 |
| Noninterest income to average assets | 0.4238% | 3,496 |
| Noninterest expense to average assets | 1.9213% | 5,201 |
| Loan and lease loss provision to assets | 0.0206% | 3,311 |
| Net operating income to assets | 1.0500% | 2,069 |
| Return on assets (ROA) | 1.0489% | 2,123 |
| Pretax return on assets | 1.6236% | 1,175 |
| Return on Equity (ROE) | 6.5411% | 3,640 |
| Retained earnings to average equity (ytd only) | -1.4244% | 5,118 |
| Net charge-offs to loans | -0.0132% | 4,529 |
| Credit loss provision to net charge-offs | -277.7778% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8604% | 5,141 |
| Assets per employee ($millions) | 5.0949% | 2,309 |
| Cash dividends to net income (ytd only)* | 121.7767% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2674% | 5,753 |
| Loan loss allowance to noncurrent loans | 96.1588% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 4,446 |
| Noncurrent loans to loans | 0.2781% | 4,117 |
| Net loans and leases to total assets | 57.8752% | 3,984 |
| Net loans and leases to deposits | 69.5894% | 3,842 |
| Net loans and leases to core deposits | 70.7728% | 4,089 |
| Total domestic deposits to total assets | 83.1667% | 3,776 |
| Equity capital to assets | 16.0420% | 489 |
| Core capital (leverage) ratio | 16.2111% | 435 |
| Tier 1 risk-based capital ratio | 27.2797% | 609 |
| Total risk-based capital ratio | 27.5447% | 655 |
| Memoranda: | ||
| Average total assets | $485,085,000 | 1,457 |
| Average earning assets | $452,357,000 | 1,451 |
| Average equity | $77,784,500 | 1,036 |
| Average total loans | $273,617,500 | 1,708 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3665% | 5,045 |
| Cost of funding earning assets | 0.0785% | 5,778 |
| Net interest margin | 3.2879% | 4,178 |
| Noninterest income to average assets | 0.4432% | 3,590 |
| Noninterest expense to average assets | 1.9398% | 5,308 |
| Loan and lease loss provision to assets | 0.0083% | 4,201 |
| Net operating income to assets | 1.0147% | 2,287 |
| Return on assets (ROA) | 1.0147% | 2,390 |
| Pretax return on assets | 1.5846% | 1,333 |
| Return on Equity (ROE) | 6.2966% | 3,851 |
| Retained earnings to average equity (ytd only) | 2.4312% | 4,142 |
| Net charge-offs to loans | 0.0822% | 2,512 |
| Credit loss provision to net charge-offs | 18.8679% | 3,679 |
| Earnings coverage of net charge-offs (x) | 36.3443% | 1,263 |
| Efficiency ratio | 54.9099% | 5,159 |
| Assets per employee ($millions) | 5.5245% | 1,845 |
| Cash dividends to net income (ytd only)* | 61.3896% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2692% | 5,810 |
| Loan loss allowance to noncurrent loans | 74.5322% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 4,370 |
| Noncurrent loans to loans | 0.3612% | 3,835 |
| Net loans and leases to total assets | 54.6415% | 4,377 |
| Net loans and leases to deposits | 65.7022% | 4,270 |
| Net loans and leases to core deposits | 66.7591% | 4,478 |
| Total domestic deposits to total assets | 83.1653% | 3,710 |
| Equity capital to assets | 16.0285% | 497 |
| Core capital (leverage) ratio | 15.5704% | 521 |
| Tier 1 risk-based capital ratio | 28.8153% | 526 |
| Total risk-based capital ratio | 29.0815% | 564 |
| Memoranda: | ||
| Average total assets | $483,705,000 | 1,424 |
| Average earning assets | $454,509,200 | 1,407 |
| Average equity | $77,946,400 | 1,017 |
| Average total loans | $257,962,000 | 1,748 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3582% | 5,110 |
| Cost of funding earning assets | 0.0783% | 5,850 |
| Net interest margin | 3.2799% | 4,255 |
| Noninterest income to average assets | 0.4515% | 3,552 |
| Noninterest expense to average assets | 1.8519% | 5,458 |
| Loan and lease loss provision to assets | 0.0938% | 2,351 |
| Net operating income to assets | 1.0180% | 2,344 |
| Return on assets (ROA) | 1.0181% | 2,480 |
| Pretax return on assets | 1.5936% | 1,398 |
| Return on Equity (ROE) | 6.3097% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.0446% | 2,165 |
| Net charge-offs to loans | 0.1094% | 1,850 |
| Credit loss provision to net charge-offs | 161.9048% | 1,688 |
| Earnings coverage of net charge-offs (x) | 29.1098% | 1,519 |
| Efficiency ratio | 52.3278% | 5,366 |
| Assets per employee ($millions) | 5.4812% | 1,869 |
| Cash dividends to net income (ytd only)* | 4.2017% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3943% | 5,800 |
| Loan loss allowance to noncurrent loans | 104.2989% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 4,526 |
| Noncurrent loans to loans | 0.3781% | 3,910 |
| Net loans and leases to total assets | 50.4951% | 4,788 |
| Net loans and leases to deposits | 60.8073% | 4,697 |
| Net loans and leases to core deposits | 61.7873% | 4,847 |
| Total domestic deposits to total assets | 83.0412% | 3,578 |
| Equity capital to assets | 15.6530% | 608 |
| Core capital (leverage) ratio | 15.5279% | 553 |
| Tier 1 risk-based capital ratio | 30.7587% | 455 |
| Total risk-based capital ratio | 31.1543% | 478 |
| Memoranda: | ||
| Average total assets | $483,091,750 | 1,428 |
| Average earning assets | $454,758,250 | 1,412 |
| Average equity | $77,952,000 | 1,025 |
| Average total loans | $255,862,250 | 1,763 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,105 |
| Cost of funding earning assets | 0.0793% | 5,929 |
| Net interest margin | 3.3095% | 4,198 |
| Noninterest income to average assets | 0.4399% | 3,595 |
| Noninterest expense to average assets | 1.8637% | 5,511 |
| Loan and lease loss provision to assets | 0.1645% | 1,369 |
| Net operating income to assets | 0.9802% | 2,467 |
| Return on assets (ROA) | 0.9802% | 2,616 |
| Pretax return on assets | 1.5255% | 1,601 |
| Return on Equity (ROE) | 6.0099% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.0099% | 2,115 |
| Net charge-offs to loans | 0.1592% | 1,377 |
| Credit loss provision to net charge-offs | 192.1182% | 1,342 |
| Earnings coverage of net charge-offs (x) | 19.7389% | 1,759 |
| Efficiency ratio | 52.4448% | 5,420 |
| Assets per employee ($millions) | 5.1863% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 5,874 |
| Loan loss allowance to noncurrent loans | 107.7077% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 4,511 |
| Noncurrent loans to loans | 0.3762% | 4,015 |
| Net loans and leases to total assets | 53.6838% | 4,538 |
| Net loans and leases to deposits | 65.0017% | 4,418 |
| Net loans and leases to core deposits | 66.3512% | 4,580 |
| Total domestic deposits to total assets | 82.5883% | 3,802 |
| Equity capital to assets | 15.9680% | 553 |
| Core capital (leverage) ratio | 16.5417% | 399 |
| Tier 1 risk-based capital ratio | 29.6549% | 513 |
| Total risk-based capital ratio | 30.0639% | 540 |
| Memoranda: | ||
| Average total assets | $474,206,330 | 1,447 |
| Average earning assets | $446,169,000 | 1,437 |
| Average equity | $77,339,000 | 1,029 |
| Average total loans | $255,010,670 | 1,769 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3957% | 5,141 |
| Cost of funding earning assets | 0.0812% | 5,985 |
| Net interest margin | 3.3146% | 4,168 |
| Noninterest income to average assets | 0.4207% | 3,678 |
| Noninterest expense to average assets | 1.9193% | 5,496 |
| Loan and lease loss provision to assets | 0.2856% | 575 |
| Net operating income to assets | 0.8712% | 2,893 |
| Return on assets (ROA) | 0.8706% | 3,011 |
| Pretax return on assets | 1.3420% | 2,130 |
| Return on Equity (ROE) | 5.2797% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.2797% | 2,776 |
| Net charge-offs to loans | 0.3268% | 677 |
| Credit loss provision to net charge-offs | 162.7451% | 1,224 |
| Earnings coverage of net charge-offs (x) | 9.2794% | 1,997 |
| Efficiency ratio | 54.0980% | 5,376 |
| Assets per employee ($millions) | 5.1228% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3983% | 5,953 |
| Loan loss allowance to noncurrent loans | 85.2473% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 4,500 |
| Noncurrent loans to loans | 0.4672% | 3,773 |
| Net loans and leases to total assets | 54.5519% | 4,398 |
| Net loans and leases to deposits | 66.5055% | 4,208 |
| Net loans and leases to core deposits | 68.0706% | 4,397 |
| Total domestic deposits to total assets | 82.0262% | 4,216 |
| Equity capital to assets | 16.5692% | 468 |
| Core capital (leverage) ratio | 16.5548% | 412 |
| Tier 1 risk-based capital ratio | 30.1618% | 502 |
| Total risk-based capital ratio | 30.5617% | 525 |
| Memoranda: | ||
| Average total assets | $464,960,500 | 1,476 |
| Average earning assets | $438,669,500 | 1,455 |
| Average equity | $76,671,500 | 1,042 |
| Average total loans | $249,728,500 | 1,801 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 5,404 |
| Cost of funding earning assets | 0.0828% | 6,025 |
| Net interest margin | 3.1811% | 4,683 |
| Noninterest income to average assets | 0.4355% | 3,782 |
| Noninterest expense to average assets | 1.8808% | 5,639 |
| Loan and lease loss provision to assets | 0.0124% | 4,161 |
| Net operating income to assets | 0.9878% | 2,430 |
| Return on assets (ROA) | 0.9894% | 2,511 |
| Pretax return on assets | 1.5400% | 1,435 |
| Return on Equity (ROE) | 5.9768% | 4,043 |
| Retained earnings to average equity (ytd only) | 1.7134% | 4,749 |
| Net charge-offs to loans | 0.0327% | 3,564 |
| Credit loss provision to net charge-offs | 74.0260% | 3,057 |
| Earnings coverage of net charge-offs (x) | 92.8961% | 618 |
| Efficiency ratio | 54.8222% | 5,459 |
| Assets per employee ($millions) | 5.0961% | 2,253 |
| Cash dividends to net income (ytd only)* | 71.3316% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3641% | 6,018 |
| Loan loss allowance to noncurrent loans | 70.0000% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 4,184 |
| Noncurrent loans to loans | 0.5202% | 3,612 |
| Net loans and leases to total assets | 52.4519% | 4,654 |
| Net loans and leases to deposits | 63.6170% | 4,498 |
| Net loans and leases to core deposits | 65.0112% | 4,671 |
| Total domestic deposits to total assets | 82.4495% | 4,037 |
| Equity capital to assets | 16.4102% | 475 |
| Core capital (leverage) ratio | 15.9613% | 469 |
| Tier 1 risk-based capital ratio | 31.3153% | 453 |
| Total risk-based capital ratio | 31.6831% | 479 |
| Memoranda: | ||
| Average total assets | $461,504,800 | 1,456 |
| Average earning assets | $434,534,400 | 1,438 |
| Average equity | $76,396,000 | 994 |
| Average total loans | $235,160,600 | 1,837 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2555% | 5,495 |
| Cost of funding earning assets | 0.0833% | 6,110 |
| Net interest margin | 3.1722% | 4,769 |
| Noninterest income to average assets | 0.4347% | 3,832 |
| Noninterest expense to average assets | 1.8321% | 5,734 |
| Loan and lease loss provision to assets | 0.0477% | 3,249 |
| Net operating income to assets | 0.9883% | 2,524 |
| Return on assets (ROA) | 0.9887% | 2,607 |
| Pretax return on assets | 1.5400% | 1,573 |
| Return on Equity (ROE) | 5.9595% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.4051% | 2,638 |
| Net charge-offs to loans | 0.0550% | 2,819 |
| Credit loss provision to net charge-offs | 171.8750% | 1,521 |
| Earnings coverage of net charge-offs (x) | 57.1548% | 943 |
| Efficiency ratio | 53.5826% | 5,548 |
| Assets per employee ($millions) | 5.3079% | 1,945 |
| Cash dividends to net income (ytd only)* | 9.3037% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 6,083 |
| Loan loss allowance to noncurrent loans | 76.2871% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 4,410 |
| Noncurrent loans to loans | 0.5438% | 3,713 |
| Net loans and leases to total assets | 48.6050% | 5,041 |
| Net loans and leases to deposits | 59.1482% | 4,914 |
| Net loans and leases to core deposits | 60.6069% | 5,023 |
| Total domestic deposits to total assets | 82.1750% | 4,112 |
| Equity capital to assets | 16.1599% | 541 |
| Core capital (leverage) ratio | 16.1866% | 465 |
| Tier 1 risk-based capital ratio | 33.1699% | 408 |
| Total risk-based capital ratio | 33.5886% | 427 |
| Memoranda: | ||
| Average total assets | $460,945,250 | 1,461 |
| Average earning assets | $433,671,750 | 1,441 |
| Average equity | $76,469,750 | 1,000 |
| Average total loans | $232,918,000 | 1,858 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 5,488 |
| Cost of funding earning assets | 0.0844% | 6,183 |
| Net interest margin | 3.1889% | 4,693 |
| Noninterest income to average assets | 0.4489% | 3,716 |
| Noninterest expense to average assets | 1.8382% | 5,800 |
| Loan and lease loss provision to assets | 0.0728% | 2,653 |
| Net operating income to assets | 0.9892% | 2,442 |
| Return on assets (ROA) | 0.9894% | 2,553 |
| Pretax return on assets | 1.5384% | 1,533 |
| Return on Equity (ROE) | 5.9098% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.3015% | 2,672 |
| Net charge-offs to loans | 0.0190% | 3,312 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 166.0455% | 399 |
| Efficiency ratio | 53.2984% | 5,630 |
| Assets per employee ($millions) | 4.9926% | 2,282 |
| Cash dividends to net income (ytd only)* | 10.2941% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4457% | 6,135 |
| Loan loss allowance to noncurrent loans | 63.4499% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 4,098 |
| Noncurrent loans to loans | 0.7025% | 3,381 |
| Net loans and leases to total assets | 51.1569% | 4,831 |
| Net loans and leases to deposits | 62.5996% | 4,654 |
| Net loans and leases to core deposits | 64.1519% | 4,798 |
| Total domestic deposits to total assets | 81.7209% | 4,377 |
| Equity capital to assets | 16.7495% | 443 |
| Core capital (leverage) ratio | 16.9421% | 371 |
| Tier 1 risk-based capital ratio | 32.7552% | 432 |
| Total risk-based capital ratio | 33.2063% | 453 |
| Memoranda: | ||
| Average total assets | $453,587,670 | 1,499 |
| Average earning assets | $426,734,330 | 1,475 |
| Average equity | $75,941,330 | 1,012 |
| Average total loans | $231,974,330 | 1,867 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2345% | 5,589 |
| Cost of funding earning assets | 0.0864% | 6,246 |
| Net interest margin | 3.1482% | 4,791 |
| Noninterest income to average assets | 0.4189% | 3,852 |
| Noninterest expense to average assets | 1.8095% | 5,885 |
| Loan and lease loss provision to assets | 0.0710% | 2,519 |
| Net operating income to assets | 0.9736% | 2,374 |
| Return on assets (ROA) | 0.9736% | 2,511 |
| Pretax return on assets | 1.5149% | 1,513 |
| Return on Equity (ROE) | 5.8162% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.5033% | 2,776 |
| Net charge-offs to loans | 0.0017% | 3,253 |
| Credit loss provision to net charge-offs | 8,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,787.0000% | 18 |
| Efficiency ratio | 53.2933% | 5,729 |
| Assets per employee ($millions) | 5.1013% | 2,230 |
| Cash dividends to net income (ytd only)* | 5.3783% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4231% | 6,229 |
| Loan loss allowance to noncurrent loans | 57.2754% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 4,148 |
| Noncurrent loans to loans | 0.7387% | 3,414 |
| Net loans and leases to total assets | 51.2132% | 4,730 |
| Net loans and leases to deposits | 62.6175% | 4,515 |
| Net loans and leases to core deposits | 64.1878% | 4,683 |
| Total domestic deposits to total assets | 81.7873% | 4,573 |
| Equity capital to assets | 16.7411% | 465 |
| Core capital (leverage) ratio | 16.8950% | 369 |
| Tier 1 risk-based capital ratio | 33.8534% | 399 |
| Total risk-based capital ratio | 34.2969% | 420 |
| Memoranda: | ||
| Average total assets | $450,720,500 | 1,518 |
| Average earning assets | $426,152,500 | 1,483 |
| Average equity | $75,445,000 | 1,019 |
| Average total loans | $229,948,000 | 1,873 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 5,645 |
| Cost of funding earning assets | 0.0919% | 6,348 |
| Net interest margin | 3.2450% | 4,772 |
| Noninterest income to average assets | 0.4611% | 3,770 |
| Noninterest expense to average assets | 1.8988% | 5,944 |
| Loan and lease loss provision to assets | 0.0600% | 3,326 |
| Net operating income to assets | 0.9994% | 2,385 |
| Return on assets (ROA) | 0.9996% | 2,461 |
| Pretax return on assets | 1.5555% | 1,371 |
| Return on Equity (ROE) | 5.9826% | 4,158 |
| Retained earnings to average equity (ytd only) | 1.5742% | 5,044 |
| Net charge-offs to loans | 0.1201% | 2,836 |
| Credit loss provision to net charge-offs | 100.3717% | 2,378 |
| Earnings coverage of net charge-offs (x) | 27.0037% | 1,448 |
| Efficiency ratio | 54.0370% | 5,840 |
| Assets per employee ($millions) | 4.8633% | 2,518 |
| Cash dividends to net income (ytd only)* | 73.6877% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4015% | 6,324 |
| Loan loss allowance to noncurrent loans | 62.8631% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 4,437 |
| Noncurrent loans to loans | 0.6387% | 3,773 |
| Net loans and leases to total assets | 50.3957% | 4,928 |
| Net loans and leases to deposits | 61.5503% | 4,760 |
| Net loans and leases to core deposits | 63.1157% | 4,908 |
| Total domestic deposits to total assets | 81.8773% | 4,465 |
| Equity capital to assets | 16.7364% | 448 |
| Core capital (leverage) ratio | 16.0755% | 459 |
| Tier 1 risk-based capital ratio | 34.7673% | 347 |
| Total risk-based capital ratio | 35.1922% | 366 |
| Memoranda: | ||
| Average total assets | $449,764,000 | 1,477 |
| Average earning assets | $423,111,400 | 1,447 |
| Average equity | $75,151,200 | 973 |
| Average total loans | $223,931,600 | 1,874 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 5,702 |
| Cost of funding earning assets | 0.0923% | 6,435 |
| Net interest margin | 3.2406% | 4,823 |
| Noninterest income to average assets | 0.4636% | 3,783 |
| Noninterest expense to average assets | 1.8883% | 5,971 |
| Loan and lease loss provision to assets | 0.0533% | 3,310 |
| Net operating income to assets | 1.0059% | 2,425 |
| Return on assets (ROA) | 1.0063% | 2,490 |
| Pretax return on assets | 1.5673% | 1,428 |
| Return on Equity (ROE) | 6.0250% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.4542% | 2,793 |
| Net charge-offs to loans | 0.0955% | 2,852 |
| Credit loss provision to net charge-offs | 112.5000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 34.1997% | 1,256 |
| Efficiency ratio | 53.8228% | 5,839 |
| Assets per employee ($millions) | 5.1196% | 2,114 |
| Cash dividends to net income (ytd only)* | 9.4733% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4233% | 6,393 |
| Loan loss allowance to noncurrent loans | 57.7114% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 4,629 |
| Noncurrent loans to loans | 0.7335% | 3,766 |
| Net loans and leases to total assets | 46.3441% | 5,344 |
| Net loans and leases to deposits | 56.5969% | 5,201 |
| Net loans and leases to core deposits | 58.1322% | 5,321 |
| Total domestic deposits to total assets | 81.8845% | 4,518 |
| Equity capital to assets | 16.3024% | 521 |
| Core capital (leverage) ratio | 16.2957% | 443 |
| Tier 1 risk-based capital ratio | 36.8763% | 302 |
| Total risk-based capital ratio | 37.3249% | 318 |
| Memoranda: | ||
| Average total assets | $450,348,250 | 1,485 |
| Average earning assets | $423,115,250 | 1,457 |
| Average equity | $75,218,250 | 977 |
| Average total loans | $223,316,250 | 1,882 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 5,650 |
| Cost of funding earning assets | 0.0933% | 6,496 |
| Net interest margin | 3.2941% | 4,614 |
| Noninterest income to average assets | 0.4573% | 3,814 |
| Noninterest expense to average assets | 1.9199% | 5,967 |
| Loan and lease loss provision to assets | 0.0780% | 2,723 |
| Net operating income to assets | 0.9844% | 2,387 |
| Return on assets (ROA) | 0.9850% | 2,463 |
| Pretax return on assets | 1.5487% | 1,397 |
| Return on Equity (ROE) | 5.8477% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.4354% | 2,681 |
| Net charge-offs to loans | 0.0890% | 2,794 |
| Credit loss provision to net charge-offs | 173.0000% | 1,319 |
| Earnings coverage of net charge-offs (x) | 36.0500% | 1,135 |
| Efficiency ratio | 54.1465% | 5,898 |
| Assets per employee ($millions) | 4.7401% | 2,551 |
| Cash dividends to net income (ytd only)* | 7.0513% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4321% | 6,469 |
| Loan loss allowance to noncurrent loans | 55.6438% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 4,558 |
| Noncurrent loans to loans | 0.7765% | 3,757 |
| Net loans and leases to total assets | 50.2030% | 4,941 |
| Net loans and leases to deposits | 61.5782% | 4,733 |
| Net loans and leases to core deposits | 63.4024% | 4,871 |
| Total domestic deposits to total assets | 81.5272% | 4,806 |
| Equity capital to assets | 16.8277% | 438 |
| Core capital (leverage) ratio | 17.1691% | 353 |
| Tier 1 risk-based capital ratio | 35.1058% | 343 |
| Total risk-based capital ratio | 35.5635% | 360 |
| Memoranda: | ||
| Average total assets | $443,462,670 | 1,510 |
| Average earning assets | $415,771,670 | 1,480 |
| Average equity | $74,696,000 | 976 |
| Average total loans | $224,684,670 | 1,869 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 5,709 |
| Cost of funding earning assets | 0.0938% | 6,579 |
| Net interest margin | 3.2793% | 4,625 |
| Noninterest income to average assets | 0.4336% | 3,919 |
| Noninterest expense to average assets | 2.0034% | 5,881 |
| Loan and lease loss provision to assets | 0.1118% | 2,080 |
| Net operating income to assets | 0.9117% | 2,595 |
| Return on assets (ROA) | 0.9117% | 2,667 |
| Pretax return on assets | 1.4008% | 1,744 |
| Return on Equity (ROE) | 5.4102% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.7791% | 3,246 |
| Net charge-offs to loans | 0.0787% | 2,364 |
| Credit loss provision to net charge-offs | 279.5455% | 831 |
| Earnings coverage of net charge-offs (x) | 37.8182% | 912 |
| Efficiency ratio | 56.9804% | 5,756 |
| Assets per employee ($millions) | 4.9029% | 2,374 |
| Cash dividends to net income (ytd only)* | 11.6650% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4406% | 6,541 |
| Loan loss allowance to noncurrent loans | 47.7042% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 4,442 |
| Noncurrent loans to loans | 0.9237% | 3,571 |
| Net loans and leases to total assets | 51.1075% | 4,782 |
| Net loans and leases to deposits | 62.9120% | 4,440 |
| Net loans and leases to core deposits | 64.8786% | 4,606 |
| Total domestic deposits to total assets | 81.2364% | 5,169 |
| Equity capital to assets | 17.0982% | 389 |
| Core capital (leverage) ratio | 16.9202% | 374 |
| Tier 1 risk-based capital ratio | 35.1311% | 347 |
| Total risk-based capital ratio | 35.5992% | 361 |
| Memoranda: | ||
| Average total assets | $440,041,000 | 1,527 |
| Average earning assets | $413,630,500 | 1,496 |
| Average equity | $74,156,000 | 985 |
| Average total loans | $223,503,000 | 1,876 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 5,521 |
| Cost of funding earning assets | 0.1134% | 6,642 |
| Net interest margin | 3.4416% | 4,125 |
| Noninterest income to average assets | 0.3806% | 4,588 |
| Noninterest expense to average assets | 1.9226% | 6,156 |
| Loan and lease loss provision to assets | 0.1807% | 2,037 |
| Net operating income to assets | 0.9561% | 2,536 |
| Return on assets (ROA) | 0.9561% | 2,609 |
| Pretax return on assets | 1.4872% | 1,486 |
| Return on Equity (ROE) | 5.7200% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.2957% | 5,246 |
| Net charge-offs to loans | 0.2927% | 2,224 |
| Credit loss provision to net charge-offs | 119.0193% | 2,010 |
| Earnings coverage of net charge-offs (x) | 10.9851% | 2,291 |
| Efficiency ratio | 53.5470% | 6,175 |
| Assets per employee ($millions) | 4.8231% | 2,414 |
| Cash dividends to net income (ytd only)* | 77.3478% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4072% | 6,633 |
| Loan loss allowance to noncurrent loans | 47.2179% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 4,663 |
| Noncurrent loans to loans | 0.8623% | 3,824 |
| Net loans and leases to total assets | 50.0535% | 5,078 |
| Net loans and leases to deposits | 60.9868% | 4,833 |
| Net loans and leases to core deposits | 62.8406% | 4,985 |
| Total domestic deposits to total assets | 82.0727% | 4,848 |
| Equity capital to assets | 16.6100% | 435 |
| Core capital (leverage) ratio | 16.1762% | 452 |
| Tier 1 risk-based capital ratio | 34.2632% | 357 |
| Total risk-based capital ratio | 34.6882% | 376 |
| Memoranda: | ||
| Average total assets | $443,246,200 | 1,497 |
| Average earning assets | $413,414,600 | 1,472 |
| Average equity | $74,091,200 | 965 |
| Average total loans | $229,930,400 | 1,785 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 5,471 |
| Cost of funding earning assets | 0.1173% | 6,728 |
| Net interest margin | 3.4722% | 4,004 |
| Noninterest income to average assets | 0.4212% | 4,361 |
| Noninterest expense to average assets | 1.8751% | 6,218 |
| Loan and lease loss provision to assets | 0.2016% | 1,800 |
| Net operating income to assets | 1.0098% | 2,340 |
| Return on assets (ROA) | 1.0098% | 2,423 |
| Pretax return on assets | 1.5772% | 1,397 |
| Return on Equity (ROE) | 6.0313% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.1327% | 2,983 |
| Net charge-offs to loans | 0.3591% | 1,762 |
| Credit loss provision to net charge-offs | 107.3718% | 2,185 |
| Earnings coverage of net charge-offs (x) | 9.4744% | 2,482 |
| Efficiency ratio | 51.3175% | 6,308 |
| Assets per employee ($millions) | 5.0830% | 2,072 |
| Cash dividends to net income (ytd only)* | 14.8987% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3692% | 6,738 |
| Loan loss allowance to noncurrent loans | 32.5581% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 4,132 |
| Noncurrent loans to loans | 1.1340% | 3,539 |
| Net loans and leases to total assets | 48.1866% | 5,327 |
| Net loans and leases to deposits | 58.7245% | 5,109 |
| Net loans and leases to core deposits | 60.3450% | 5,269 |
| Total domestic deposits to total assets | 82.0553% | 4,912 |
| Equity capital to assets | 16.3579% | 486 |
| Core capital (leverage) ratio | 16.2812% | 457 |
| Tier 1 risk-based capital ratio | 34.5435% | 352 |
| Total risk-based capital ratio | 34.9235% | 375 |
| Memoranda: | ||
| Average total assets | $443,127,500 | 1,504 |
| Average earning assets | $412,562,000 | 1,480 |
| Average equity | $74,188,500 | 976 |
| Average total loans | $231,661,500 | 1,778 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 5,234 |
| Cost of funding earning assets | 0.1248% | 6,770 |
| Net interest margin | 3.5470% | 3,574 |
| Noninterest income to average assets | 0.3870% | 4,618 |
| Noninterest expense to average assets | 1.9068% | 6,209 |
| Loan and lease loss provision to assets | 0.1873% | 2,019 |
| Net operating income to assets | 1.0081% | 2,297 |
| Return on assets (ROA) | 1.0081% | 2,432 |
| Pretax return on assets | 1.5852% | 1,410 |
| Return on Equity (ROE) | 5.9731% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.6162% | 3,326 |
| Net charge-offs to loans | 0.2450% | 2,256 |
| Credit loss provision to net charge-offs | 142.5087% | 1,597 |
| Earnings coverage of net charge-offs (x) | 13.4843% | 1,901 |
| Efficiency ratio | 51.8237% | 6,290 |
| Assets per employee ($millions) | 4.9096% | 2,213 |
| Cash dividends to net income (ytd only)* | 22.7169% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3785% | 6,784 |
| Loan loss allowance to noncurrent loans | 26.8293% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 4,012 |
| Noncurrent loans to loans | 1.4109% | 3,180 |
| Net loans and leases to total assets | 53.7233% | 4,629 |
| Net loans and leases to deposits | 65.6486% | 4,309 |
| Net loans and leases to core deposits | 67.8676% | 4,513 |
| Total domestic deposits to total assets | 81.8346% | 5,101 |
| Equity capital to assets | 16.8523% | 429 |
| Core capital (leverage) ratio | 17.1981% | 355 |
| Tier 1 risk-based capital ratio | 33.2591% | 399 |
| Total risk-based capital ratio | 33.6648% | 416 |
| Memoranda: | ||
| Average total assets | $436,652,000 | 1,524 |
| Average earning assets | $405,304,330 | 1,502 |
| Average equity | $73,696,670 | 984 |
| Average total loans | $234,310,330 | 1,755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6970% | 5,179 |
| Cost of funding earning assets | 0.1327% | 6,833 |
| Net interest margin | 3.5643% | 3,413 |
| Noninterest income to average assets | 0.4414% | 4,169 |
| Noninterest expense to average assets | 1.9620% | 6,180 |
| Loan and lease loss provision to assets | 0.3179% | 1,064 |
| Net operating income to assets | 0.9326% | 2,508 |
| Return on assets (ROA) | 0.9326% | 2,651 |
| Pretax return on assets | 1.4533% | 1,703 |
| Return on Equity (ROE) | 5.5216% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.0102% | 3,829 |
| Net charge-offs to loans | 0.4528% | 1,320 |
| Credit loss provision to net charge-offs | 131.1787% | 1,510 |
| Earnings coverage of net charge-offs (x) | 7.3080% | 2,086 |
| Efficiency ratio | 52.5549% | 6,347 |
| Assets per employee ($millions) | 4.6630% | 2,715 |
| Cash dividends to net income (ytd only)* | 27.3715% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3645% | 6,871 |
| Loan loss allowance to noncurrent loans | 30.8629% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 3,957 |
| Noncurrent loans to loans | 1.1809% | 3,796 |
| Net loans and leases to total assets | 54.9315% | 4,253 |
| Net loans and leases to deposits | 67.3441% | 3,869 |
| Net loans and leases to core deposits | 69.6985% | 4,121 |
| Total domestic deposits to total assets | 81.5684% | 5,333 |
| Equity capital to assets | 17.1727% | 413 |
| Core capital (leverage) ratio | 17.1207% | 343 |
| Tier 1 risk-based capital ratio | 33.0263% | 414 |
| Total risk-based capital ratio | 33.4165% | 437 |
| Memoranda: | ||
| Average total assets | $434,044,000 | 1,550 |
| Average earning assets | $400,864,000 | 1,525 |
| Average equity | $73,312,500 | 993 |
| Average total loans | $232,321,500 | 1,776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 5,710 |
| Cost of funding earning assets | 0.2222% | 6,770 |
| Net interest margin | 3.6270% | 3,978 |
| Noninterest income to average assets | 0.4180% | 4,469 |
| Noninterest expense to average assets | 1.9893% | 6,349 |
| Loan and lease loss provision to assets | 0.1407% | 3,852 |
| Net operating income to assets | 1.0192% | 2,257 |
| Return on assets (ROA) | 1.0192% | 2,469 |
| Pretax return on assets | 1.5851% | 1,426 |
| Return on Equity (ROE) | 5.9872% | 4,176 |
| Retained earnings to average equity (ytd only) | 1.6029% | 5,068 |
| Net charge-offs to loans | 0.2163% | 3,663 |
| Credit loss provision to net charge-offs | 121.6867% | 2,349 |
| Earnings coverage of net charge-offs (x) | 14.9237% | 1,691 |
| Efficiency ratio | 53.5471% | 6,311 |
| Assets per employee ($millions) | 4.7727% | 2,537 |
| Cash dividends to net income (ytd only)* | 73.2285% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3419% | 6,927 |
| Loan loss allowance to noncurrent loans | 23.2350% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 3,826 |
| Noncurrent loans to loans | 1.4715% | 3,386 |
| Net loans and leases to total assets | 51.7766% | 4,958 |
| Net loans and leases to deposits | 63.0497% | 4,658 |
| Net loans and leases to core deposits | 65.0379% | 4,830 |
| Total domestic deposits to total assets | 82.1204% | 5,054 |
| Equity capital to assets | 16.6150% | 463 |
| Core capital (leverage) ratio | 16.4124% | 403 |
| Tier 1 risk-based capital ratio | 33.6549% | 374 |
| Total risk-based capital ratio | 34.0183% | 399 |
| Memoranda: | ||
| Average total assets | $430,643,600 | 1,532 |
| Average earning assets | $391,479,600 | 1,537 |
| Average equity | $73,306,200 | 965 |
| Average total loans | $230,268,800 | 1,770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 5,768 |
| Cost of funding earning assets | 0.2437% | 6,835 |
| Net interest margin | 3.6653% | 3,943 |
| Noninterest income to average assets | 0.4770% | 4,086 |
| Noninterest expense to average assets | 1.9614% | 6,422 |
| Loan and lease loss provision to assets | 0.1568% | 3,557 |
| Net operating income to assets | 1.0840% | 2,155 |
| Return on assets (ROA) | 1.0840% | 2,352 |
| Pretax return on assets | 1.6907% | 1,293 |
| Return on Equity (ROE) | 6.3292% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.6806% | 2,907 |
| Net charge-offs to loans | 0.2854% | 3,013 |
| Credit loss provision to net charge-offs | 102.0243% | 2,886 |
| Earnings coverage of net charge-offs (x) | 12.0203% | 2,034 |
| Efficiency ratio | 51.4949% | 6,493 |
| Assets per employee ($millions) | 4.9211% | 2,298 |
| Cash dividends to net income (ytd only)* | 10.2469% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3049% | 7,056 |
| Loan loss allowance to noncurrent loans | 19.4357% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 4,005 |
| Noncurrent loans to loans | 1.5690% | 3,436 |
| Net loans and leases to total assets | 49.2481% | 5,412 |
| Net loans and leases to deposits | 60.2180% | 5,184 |
| Net loans and leases to core deposits | 62.4278% | 5,317 |
| Total domestic deposits to total assets | 81.7831% | 5,094 |
| Equity capital to assets | 16.5512% | 520 |
| Core capital (leverage) ratio | 16.4728% | 430 |
| Tier 1 risk-based capital ratio | 34.5266% | 370 |
| Total risk-based capital ratio | 34.8440% | 389 |
| Memoranda: | ||
| Average total assets | $428,531,500 | 1,552 |
| Average earning assets | $389,551,000 | 1,558 |
| Average equity | $73,394,000 | 967 |
| Average total loans | $230,804,250 | 1,779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 5,599 |
| Cost of funding earning assets | 0.2724% | 6,832 |
| Net interest margin | 3.7436% | 3,621 |
| Noninterest income to average assets | 0.4780% | 4,071 |
| Noninterest expense to average assets | 2.0021% | 6,427 |
| Loan and lease loss provision to assets | 0.1417% | 3,748 |
| Net operating income to assets | 1.1083% | 2,014 |
| Return on assets (ROA) | 1.1083% | 2,232 |
| Pretax return on assets | 1.7338% | 1,174 |
| Return on Equity (ROE) | 6.3940% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.0839% | 2,663 |
| Net charge-offs to loans | 0.1775% | 3,534 |
| Credit loss provision to net charge-offs | 143.9614% | 1,925 |
| Earnings coverage of net charge-offs (x) | 19.0483% | 1,454 |
| Efficiency ratio | 51.6315% | 6,530 |
| Assets per employee ($millions) | 4.6627% | 2,620 |
| Cash dividends to net income (ytd only)* | 4.8498% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3222% | 7,112 |
| Loan loss allowance to noncurrent loans | 21.1299% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 3,985 |
| Noncurrent loans to loans | 1.5248% | 3,619 |
| Net loans and leases to total assets | 54.4373% | 4,720 |
| Net loans and leases to deposits | 66.7086% | 4,416 |
| Net loans and leases to core deposits | 69.3898% | 4,612 |
| Total domestic deposits to total assets | 81.6046% | 5,267 |
| Equity capital to assets | 17.0728% | 436 |
| Core capital (leverage) ratio | 17.5723% | 319 |
| Tier 1 risk-based capital ratio | 32.3741% | 423 |
| Total risk-based capital ratio | 32.7112% | 455 |
| Memoranda: | ||
| Average total assets | $420,462,000 | 1,579 |
| Average earning assets | $381,822,000 | 1,585 |
| Average equity | $72,880,670 | 965 |
| Average total loans | $233,189,670 | 1,766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 5,587 |
| Cost of funding earning assets | 0.2937% | 6,862 |
| Net interest margin | 3.7629% | 3,550 |
| Noninterest income to average assets | 0.4552% | 4,260 |
| Noninterest expense to average assets | 2.0808% | 6,306 |
| Loan and lease loss provision to assets | 0.1865% | 3,098 |
| Net operating income to assets | 1.0254% | 2,381 |
| Return on assets (ROA) | 1.0254% | 2,567 |
| Pretax return on assets | 1.6053% | 1,554 |
| Return on Equity (ROE) | 5.8696% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.7922% | 3,080 |
| Net charge-offs to loans | 0.1590% | 3,140 |
| Credit loss provision to net charge-offs | 209.7826% | 1,295 |
| Earnings coverage of net charge-offs (x) | 20.1522% | 1,198 |
| Efficiency ratio | 53.7310% | 6,376 |
| Assets per employee ($millions) | 4.8276% | 2,472 |
| Cash dividends to net income (ytd only)* | 1.3195% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3296% | 7,160 |
| Loan loss allowance to noncurrent loans | 20.8862% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 3,985 |
| Noncurrent loans to loans | 1.5780% | 3,744 |
| Net loans and leases to total assets | 56.3069% | 4,329 |
| Net loans and leases to deposits | 69.4275% | 3,812 |
| Net loans and leases to core deposits | 72.1544% | 4,130 |
| Total domestic deposits to total assets | 81.1018% | 5,577 |
| Equity capital to assets | 17.5311% | 376 |
| Core capital (leverage) ratio | 17.6326% | 316 |
| Tier 1 risk-based capital ratio | 32.4775% | 414 |
| Total risk-based capital ratio | 32.8256% | 449 |
| Memoranda: | ||
| Average total assets | $413,877,500 | 1,606 |
| Average earning assets | $375,876,000 | 1,613 |
| Average equity | $72,304,500 | 966 |
| Average total loans | $231,374,500 | 1,781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 5,722 |
| Cost of funding earning assets | 0.3715% | 6,962 |
| Net interest margin | 3.9423% | 3,147 |
| Noninterest income to average assets | 0.4631% | 4,110 |
| Noninterest expense to average assets | 2.0148% | 6,647 |
| Loan and lease loss provision to assets | 0.2745% | 3,473 |
| Net operating income to assets | 1.1510% | 1,665 |
| Return on assets (ROA) | 1.1510% | 1,775 |
| Pretax return on assets | 1.8004% | 802 |
| Return on Equity (ROE) | 6.5910% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.6071% | 4,371 |
| Net charge-offs to loans | 0.6080% | 2,625 |
| Credit loss provision to net charge-offs | 78.3727% | 4,530 |
| Earnings coverage of net charge-offs (x) | 5.9235% | 2,644 |
| Efficiency ratio | 49.2644% | 6,875 |
| Assets per employee ($millions) | 4.6885% | 2,622 |
| Cash dividends to net income (ytd only)* | 60.4444% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2945% | 7,223 |
| Loan loss allowance to noncurrent loans | 16.5803% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 3,896 |
| Noncurrent loans to loans | 1.7760% | 3,500 |
| Net loans and leases to total assets | 55.1485% | 4,862 |
| Net loans and leases to deposits | 67.7027% | 4,481 |
| Net loans and leases to core deposits | 70.4102% | 4,729 |
| Total domestic deposits to total assets | 81.4569% | 5,309 |
| Equity capital to assets | 17.4086% | 396 |
| Core capital (leverage) ratio | 17.1323% | 354 |
| Tier 1 risk-based capital ratio | 33.2901% | 382 |
| Total risk-based capital ratio | 33.6049% | 405 |
| Memoranda: | ||
| Average total assets | $410,520,800 | 1,579 |
| Average earning assets | $377,650,400 | 1,570 |
| Average equity | $71,688,600 | 940 |
| Average total loans | $236,506,000 | 1,772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 5,681 |
| Cost of funding earning assets | 0.3907% | 7,035 |
| Net interest margin | 3.9873% | 2,966 |
| Noninterest income to average assets | 0.4819% | 4,023 |
| Noninterest expense to average assets | 1.9872% | 6,718 |
| Loan and lease loss provision to assets | 0.3265% | 2,920 |
| Net operating income to assets | 1.1707% | 1,744 |
| Return on assets (ROA) | 1.1707% | 1,860 |
| Pretax return on assets | 1.8455% | 867 |
| Return on Equity (ROE) | 6.6986% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.6800% | 2,144 |
| Net charge-offs to loans | 0.7192% | 2,114 |
| Credit loss provision to net charge-offs | 78.0109% | 4,208 |
| Earnings coverage of net charge-offs (x) | 5.1896% | 2,855 |
| Efficiency ratio | 47.7795% | 6,973 |
| Assets per employee ($millions) | 4.7683% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.2777% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3060% | 7,286 |
| Loan loss allowance to noncurrent loans | 16.9246% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3342% | 4,140 |
| Noncurrent loans to loans | 1.8077% | 3,629 |
| Net loans and leases to total assets | 53.7472% | 5,203 |
| Net loans and leases to deposits | 66.2201% | 4,868 |
| Net loans and leases to core deposits | 68.8928% | 5,073 |
| Total domestic deposits to total assets | 81.1646% | 5,382 |
| Equity capital to assets | 17.3427% | 457 |
| Core capital (leverage) ratio | 17.0515% | 395 |
| Tier 1 risk-based capital ratio | 33.7754% | 391 |
| Total risk-based capital ratio | 34.1002% | 419 |
| Memoranda: | ||
| Average total assets | $410,005,000 | 1,592 |
| Average earning assets | $378,124,250 | 1,578 |
| Average equity | $71,654,500 | 947 |
| Average total loans | $238,581,000 | 1,767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 5,386 |
| Cost of funding earning assets | 0.4155% | 7,093 |
| Net interest margin | 4.0751% | 2,511 |
| Noninterest income to average assets | 0.4817% | 4,007 |
| Noninterest expense to average assets | 2.0300% | 6,729 |
| Loan and lease loss provision to assets | 0.4684% | 2,109 |
| Net operating income to assets | 1.1199% | 1,820 |
| Return on assets (ROA) | 1.1199% | 1,899 |
| Pretax return on assets | 1.7492% | 961 |
| Return on Equity (ROE) | 6.3910% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.3910% | 2,196 |
| Net charge-offs to loans | -0.0157% | 6,777 |
| Credit loss provision to net charge-offs | -4,994.7368% | 6,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7922% | 7,071 |
| Assets per employee ($millions) | 4.7755% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 6,853 |
| Loan loss allowance to noncurrent loans | 29.5070% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 1.7999% | 3,506 |
| Noncurrent loans to loans | 2.7365% | 2,659 |
| Net loans and leases to total assets | 58.3570% | 4,564 |
| Net loans and leases to deposits | 71.9477% | 4,123 |
| Net loans and leases to core deposits | 75.1988% | 4,408 |
| Total domestic deposits to total assets | 81.1104% | 5,487 |
| Equity capital to assets | 17.5697% | 420 |
| Core capital (leverage) ratio | 17.8239% | 347 |
| Tier 1 risk-based capital ratio | 31.8656% | 457 |
| Total risk-based capital ratio | 32.7356% | 468 |
| Memoranda: | ||
| Average total assets | $405,213,000 | 1,621 |
| Average earning assets | $374,472,000 | 1,607 |
| Average equity | $71,006,330 | 957 |
| Average total loans | $241,843,670 | 1,762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 5,409 |
| Cost of funding earning assets | 0.4376% | 7,141 |
| Net interest margin | 4.0410% | 2,512 |
| Noninterest income to average assets | 0.4462% | 4,322 |
| Noninterest expense to average assets | 2.0891% | 6,658 |
| Loan and lease loss provision to assets | 0.1441% | 4,206 |
| Net operating income to assets | 1.2423% | 1,411 |
| Return on assets (ROA) | 1.2423% | 1,465 |
| Pretax return on assets | 1.9579% | 597 |
| Return on Equity (ROE) | 7.0992% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.0992% | 2,103 |
| Net charge-offs to loans | 0.0132% | 4,895 |
| Credit loss provision to net charge-offs | 1,812.5000% | 217 |
| Earnings coverage of net charge-offs (x) | 264.3750% | 115 |
| Efficiency ratio | 49.8459% | 6,996 |
| Assets per employee ($millions) | 4.5813% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4554% | 7,309 |
| Loan loss allowance to noncurrent loans | 23.1166% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 4,197 |
| Noncurrent loans to loans | 1.9701% | 3,612 |
| Net loans and leases to total assets | 60.7233% | 4,127 |
| Net loans and leases to deposits | 74.9750% | 3,595 |
| Net loans and leases to core deposits | 78.2390% | 3,986 |
| Total domestic deposits to total assets | 80.9914% | 5,656 |
| Equity capital to assets | 17.6202% | 394 |
| Core capital (leverage) ratio | 17.6267% | 350 |
| Tier 1 risk-based capital ratio | 31.0102% | 477 |
| Total risk-based capital ratio | 31.5032% | 503 |
| Memoranda: | ||
| Average total assets | $402,471,500 | 1,640 |
| Average earning assets | $372,976,500 | 1,626 |
| Average equity | $70,430,500 | 955 |
| Average total loans | $241,955,000 | 1,777 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 5,736 |
| Cost of funding earning assets | 0.5313% | 7,254 |
| Net interest margin | 4.1872% | 2,236 |
| Noninterest income to average assets | 0.4970% | 4,194 |
| Noninterest expense to average assets | 2.0730% | 6,903 |
| Loan and lease loss provision to assets | 0.2543% | 4,757 |
| Net operating income to assets | 1.2827% | 1,219 |
| Return on assets (ROA) | 1.2827% | 1,276 |
| Pretax return on assets | 2.0175% | 462 |
| Return on Equity (ROE) | 7.3338% | 2,959 |
| Retained earnings to average equity (ytd only) | 3.4105% | 3,480 |
| Net charge-offs to loans | 0.2742% | 4,653 |
| Credit loss provision to net charge-offs | 151.7241% | 2,369 |
| Earnings coverage of net charge-offs (x) | 13.5547% | 1,403 |
| Efficiency ratio | 47.7127% | 7,277 |
| Assets per employee ($millions) | 4.5145% | 2,840 |
| Cash dividends to net income (ytd only)* | 53.4966% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 7,417 |
| Loan loss allowance to noncurrent loans | 20.5176% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 4,264 |
| Noncurrent loans to loans | 2.0132% | 3,543 |
| Net loans and leases to total assets | 58.9858% | 4,850 |
| Net loans and leases to deposits | 72.5184% | 4,427 |
| Net loans and leases to core deposits | 75.6447% | 4,763 |
| Total domestic deposits to total assets | 81.3391% | 5,406 |
| Equity capital to assets | 17.3784% | 415 |
| Core capital (leverage) ratio | 16.8982% | 407 |
| Tier 1 risk-based capital ratio | 31.6678% | 440 |
| Total risk-based capital ratio | 32.1177% | 463 |
| Memoranda: | ||
| Average total assets | $397,974,400 | 1,659 |
| Average earning assets | $365,709,200 | 1,648 |
| Average equity | $69,609,000 | 965 |
| Average total loans | $243,283,000 | 1,801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 5,631 |
| Cost of funding earning assets | 0.5450% | 7,386 |
| Net interest margin | 4.2611% | 1,985 |
| Noninterest income to average assets | 0.5672% | 3,675 |
| Noninterest expense to average assets | 2.0475% | 6,963 |
| Loan and lease loss provision to assets | 0.2196% | 4,867 |
| Net operating income to assets | 1.3950% | 1,110 |
| Return on assets (ROA) | 1.3950% | 1,188 |
| Pretax return on assets | 2.2044% | 405 |
| Return on Equity (ROE) | 7.9628% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.9628% | 1,432 |
| Net charge-offs to loans | 0.3614% | 3,856 |
| Credit loss provision to net charge-offs | 98.6425% | 4,420 |
| Earnings coverage of net charge-offs (x) | 10.8869% | 1,842 |
| Efficiency ratio | 45.7905% | 7,390 |
| Assets per employee ($millions) | 4.5595% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2634% | 7,612 |
| Loan loss allowance to noncurrent loans | 13.0960% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 4,279 |
| Noncurrent loans to loans | 2.0110% | 3,660 |
| Net loans and leases to total assets | 57.4117% | 5,352 |
| Net loans and leases to deposits | 71.0685% | 4,984 |
| Net loans and leases to core deposits | 74.1171% | 5,276 |
| Total domestic deposits to total assets | 80.7836% | 5,456 |
| Equity capital to assets | 17.3141% | 486 |
| Core capital (leverage) ratio | 17.1485% | 421 |
| Tier 1 risk-based capital ratio | 32.2633% | 426 |
| Total risk-based capital ratio | 32.5492% | 452 |
| Memoranda: | ||
| Average total assets | $397,019,750 | 1,688 |
| Average earning assets | $363,774,250 | 1,677 |
| Average equity | $69,555,000 | 962 |
| Average total loans | $244,607,750 | 1,813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 5,308 |
| Cost of funding earning assets | 0.5613% | 7,465 |
| Net interest margin | 4.3583% | 1,569 |
| Noninterest income to average assets | 0.5958% | 3,370 |
| Noninterest expense to average assets | 2.0928% | 6,926 |
| Loan and lease loss provision to assets | 0.3074% | 3,926 |
| Net operating income to assets | 1.3860% | 1,116 |
| Return on assets (ROA) | 1.3860% | 1,185 |
| Pretax return on assets | 2.1787% | 422 |
| Return on Equity (ROE) | 7.8786% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.8786% | 1,486 |
| Net charge-offs to loans | 0.2953% | 3,846 |
| Credit loss provision to net charge-offs | 165.1099% | 2,384 |
| Earnings coverage of net charge-offs (x) | 13.3544% | 1,597 |
| Efficiency ratio | 45.7054% | 7,452 |
| Assets per employee ($millions) | 4.4962% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3488% | 7,636 |
| Loan loss allowance to noncurrent loans | 27.0563% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 4,824 |
| Noncurrent loans to loans | 1.2890% | 4,806 |
| Net loans and leases to total assets | 62.4778% | 4,589 |
| Net loans and leases to deposits | 77.8405% | 4,004 |
| Net loans and leases to core deposits | 81.5640% | 4,482 |
| Total domestic deposits to total assets | 80.2639% | 5,647 |
| Equity capital to assets | 17.5662% | 466 |
| Core capital (leverage) ratio | 17.9900% | 361 |
| Tier 1 risk-based capital ratio | 29.8343% | 517 |
| Total risk-based capital ratio | 30.2098% | 563 |
| Memoranda: | ||
| Average total assets | $391,054,000 | 1,723 |
| Average earning assets | $357,390,330 | 1,715 |
| Average equity | $68,793,670 | 968 |
| Average total loans | $246,530,330 | 1,829 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 5,521 |
| Cost of funding earning assets | 0.5719% | 7,576 |
| Net interest margin | 4.3164% | 1,641 |
| Noninterest income to average assets | 0.5568% | 3,592 |
| Noninterest expense to average assets | 2.1620% | 6,777 |
| Loan and lease loss provision to assets | 0.4357% | 2,782 |
| Net operating income to assets | 1.2285% | 1,467 |
| Return on assets (ROA) | 1.2285% | 1,543 |
| Pretax return on assets | 1.9270% | 696 |
| Return on Equity (ROE) | 6.9779% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.9779% | 2,143 |
| Net charge-offs to loans | 0.6073% | 2,299 |
| Credit loss provision to net charge-offs | 113.4771% | 3,057 |
| Earnings coverage of net charge-offs (x) | 6.1536% | 2,273 |
| Efficiency ratio | 47.7813% | 7,453 |
| Assets per employee ($millions) | 4.1821% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2774% | 7,765 |
| Loan loss allowance to noncurrent loans | 32.0746% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 5,321 |
| Noncurrent loans to loans | 0.8649% | 5,591 |
| Net loans and leases to total assets | 64.2779% | 4,269 |
| Net loans and leases to deposits | 80.0174% | 3,655 |
| Net loans and leases to core deposits | 83.8466% | 4,223 |
| Total domestic deposits to total assets | 80.3299% | 5,670 |
| Equity capital to assets | 17.8378% | 437 |
| Core capital (leverage) ratio | 17.8132% | 378 |
| Tier 1 risk-based capital ratio | 30.0695% | 525 |
| Total risk-based capital ratio | 30.3737% | 561 |
| Memoranda: | ||
| Average total assets | $386,498,000 | 1,784 |
| Average earning assets | $355,297,000 | 1,760 |
| Average equity | $68,043,500 | 977 |
| Average total loans | $244,350,500 | 1,898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 6,367 |
| Cost of funding earning assets | 0.7166% | 7,665 |
| Net interest margin | 4.3041% | 1,705 |
| Noninterest income to average assets | 0.5196% | 4,265 |
| Noninterest expense to average assets | 2.2173% | 6,948 |
| Loan and lease loss provision to assets | 0.2222% | 5,583 |
| Net operating income to assets | 1.3210% | 994 |
| Return on assets (ROA) | 1.3210% | 1,038 |
| Pretax return on assets | 2.0709% | 354 |
| Return on Equity (ROE) | 7.4440% | 2,601 |
| Retained earnings to average equity (ytd only) | 1.3595% | 4,099 |
| Net charge-offs to loans | 0.3801% | 4,307 |
| Credit loss provision to net charge-offs | 92.4918% | 5,917 |
| Earnings coverage of net charge-offs (x) | 9.5462% | 1,782 |
| Efficiency ratio | 49.1597% | 7,582 |
| Assets per employee ($millions) | 4.4118% | 3,086 |
| Cash dividends to net income (ytd only)* | 81.7372% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2651% | 7,844 |
| Loan loss allowance to noncurrent loans | 35.2292% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 5,432 |
| Noncurrent loans to loans | 0.7524% | 5,757 |
| Net loans and leases to total assets | 61.8334% | 5,026 |
| Net loans and leases to deposits | 76.7771% | 4,610 |
| Net loans and leases to core deposits | 88.6440% | 5,258 |
| Total domestic deposits to total assets | 80.5363% | 5,497 |
| Equity capital to assets | 17.3746% | 517 |
| Core capital (leverage) ratio | 16.8949% | 506 |
| Tier 1 risk-based capital ratio | 30.3234% | 506 |
| Total risk-based capital ratio | 30.6129% | 548 |
| Memoranda: | ||
| Average total assets | $382,584,400 | 1,788 |
| Average earning assets | $354,735,400 | 1,762 |
| Average equity | $67,894,000 | 969 |
| Average total loans | $241,779,400 | 1,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 6,412 |
| Cost of funding earning assets | 0.7448% | 7,767 |
| Net interest margin | 4.3173% | 1,687 |
| Noninterest income to average assets | 0.5152% | 4,365 |
| Noninterest expense to average assets | 2.1708% | 7,049 |
| Loan and lease loss provision to assets | 0.1738% | 5,627 |
| Net operating income to assets | 1.3852% | 1,059 |
| Return on assets (ROA) | 1.3852% | 1,120 |
| Pretax return on assets | 2.1792% | 370 |
| Return on Equity (ROE) | 7.7641% | 2,740 |
| Retained earnings to average equity (ytd only) | 5.3192% | 2,299 |
| Net charge-offs to loans | 0.3184% | 4,047 |
| Credit loss provision to net charge-offs | 85.9862% | 5,592 |
| Earnings coverage of net charge-offs (x) | 11.6384% | 1,837 |
| Efficiency ratio | 47.9858% | 7,664 |
| Assets per employee ($millions) | 4.4959% | 2,870 |
| Cash dividends to net income (ytd only)* | 31.4900% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2655% | 7,930 |
| Loan loss allowance to noncurrent loans | 25.6347% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 5,460 |
| Noncurrent loans to loans | 1.0355% | 5,240 |
| Net loans and leases to total assets | 58.7784% | 5,768 |
| Net loans and leases to deposits | 72.9960% | 5,511 |
| Net loans and leases to core deposits | 83.4314% | 6,081 |
| Total domestic deposits to total assets | 80.5227% | 5,238 |
| Equity capital to assets | 17.3313% | 587 |
| Core capital (leverage) ratio | 17.1842% | 527 |
| Tier 1 risk-based capital ratio | 31.7230% | 481 |
| Total risk-based capital ratio | 32.0124% | 514 |
| Memoranda: | ||
| Average total assets | $381,170,500 | 1,807 |
| Average earning assets | $353,912,250 | 1,778 |
| Average equity | $68,003,750 | 978 |
| Average total loans | $242,049,250 | 1,954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 6,218 |
| Cost of funding earning assets | 0.7872% | 7,834 |
| Net interest margin | 4.3749% | 1,461 |
| Noninterest income to average assets | 0.5127% | 4,332 |
| Noninterest expense to average assets | 2.2100% | 7,029 |
| Loan and lease loss provision to assets | 0.3361% | 3,925 |
| Net operating income to assets | 1.3104% | 1,208 |
| Return on assets (ROA) | 1.3104% | 1,284 |
| Pretax return on assets | 2.0440% | 505 |
| Return on Equity (ROE) | 7.2711% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.2135% | 2,391 |
| Net charge-offs to loans | 0.3752% | 3,318 |
| Credit loss provision to net charge-offs | 137.5546% | 3,394 |
| Earnings coverage of net charge-offs (x) | 9.7402% | 2,083 |
| Efficiency ratio | 48.1460% | 7,746 |
| Assets per employee ($millions) | 4.0259% | 3,627 |
| Cash dividends to net income (ytd only)* | 28.2980% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3592% | 7,940 |
| Loan loss allowance to noncurrent loans | 36.8090% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 5,875 |
| Noncurrent loans to loans | 0.9760% | 5,263 |
| Net loans and leases to total assets | 63.0810% | 5,170 |
| Net loans and leases to deposits | 78.6298% | 4,760 |
| Net loans and leases to core deposits | 91.1037% | 5,435 |
| Total domestic deposits to total assets | 80.2253% | 5,383 |
| Equity capital to assets | 17.6696% | 583 |
| Core capital (leverage) ratio | 18.1915% | 492 |
| Tier 1 risk-based capital ratio | 30.3542% | 583 |
| Total risk-based capital ratio | 30.7486% | 619 |
| Memoranda: | ||
| Average total assets | $374,848,330 | 1,861 |
| Average earning assets | $349,358,000 | 1,824 |
| Average equity | $67,555,330 | 997 |
| Average total loans | $244,125,670 | 1,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 5,715 |
| Cost of funding earning assets | 0.8408% | 7,874 |
| Net interest margin | 4.4969% | 1,130 |
| Noninterest income to average assets | 0.5008% | 4,314 |
| Noninterest expense to average assets | 2.1256% | 7,063 |
| Loan and lease loss provision to assets | 0.3609% | 3,153 |
| Net operating income to assets | 1.4210% | 1,096 |
| Return on assets (ROA) | 1.4210% | 1,184 |
| Pretax return on assets | 2.2231% | 419 |
| Return on Equity (ROE) | 7.8050% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.2688% | 2,978 |
| Net charge-offs to loans | 0.1197% | 4,015 |
| Credit loss provision to net charge-offs | 456.1644% | 1,165 |
| Earnings coverage of net charge-offs (x) | 32.6575% | 998 |
| Efficiency ratio | 45.1323% | 7,885 |
| Assets per employee ($millions) | 4.0368% | 3,585 |
| Cash dividends to net income (ytd only)* | 32.4943% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3938% | 7,949 |
| Loan loss allowance to noncurrent loans | 10.5407% | 7,504 |
| Noncurrent assets plus other real estate owned to assets | 2.4702% | 2,322 |
| Noncurrent loans to loans | 3.7359% | 1,663 |
| Net loans and leases to total assets | 65.8604% | 4,614 |
| Net loans and leases to deposits | 82.3186% | 4,232 |
| Net loans and leases to core deposits | 96.6626% | 4,882 |
| Total domestic deposits to total assets | 80.0067% | 5,367 |
| Equity capital to assets | 18.1866% | 584 |
| Core capital (leverage) ratio | 18.2920% | 521 |
| Tier 1 risk-based capital ratio | 30.0965% | 614 |
| Total risk-based capital ratio | 30.5323% | 651 |
| Memoranda: | ||
| Average total assets | $369,030,500 | 1,891 |
| Average earning assets | $345,395,000 | 1,856 |
| Average equity | $67,188,000 | 1,004 |
| Average total loans | $243,850,000 | 1,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 6,195 |
| Cost of funding earning assets | 1.1872% | 7,956 |
| Net interest margin | 4.6798% | 1,009 |
| Noninterest income to average assets | 0.5591% | 4,170 |
| Noninterest expense to average assets | 2.1685% | 7,060 |
| Loan and lease loss provision to assets | 0.1693% | 5,210 |
| Net operating income to assets | 1.6459% | 760 |
| Return on assets (ROA) | 1.6459% | 727 |
| Pretax return on assets | 2.5736% | 168 |
| Return on Equity (ROE) | 8.6742% | 2,763 |
| Retained earnings to average equity (ytd only) | -3.7578% | 6,277 |
| Net charge-offs to loans | 0.0442% | 6,153 |
| Credit loss provision to net charge-offs | 582.0755% | 751 |
| Earnings coverage of net charge-offs (x) | 94.2830% | 451 |
| Efficiency ratio | 44.1520% | 8,009 |
| Assets per employee ($millions) | 3.9008% | 3,729 |
| Cash dividends to net income (ytd only)* | 143.3217% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2920% | 8,087 |
| Loan loss allowance to noncurrent loans | 14.5833% | 7,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 3,574 |
| Noncurrent loans to loans | 2.0022% | 2,758 |
| Net loans and leases to total assets | 65.8430% | 4,881 |
| Net loans and leases to deposits | 82.4782% | 4,651 |
| Net loans and leases to core deposits | 94.5505% | 5,399 |
| Total domestic deposits to total assets | 79.8308% | 5,086 |
| Equity capital to assets | 18.2269% | 625 |
| Core capital (leverage) ratio | 17.8057% | 626 |
| Tier 1 risk-based capital ratio | 30.4629% | 615 |
| Total risk-based capital ratio | 30.7897% | 647 |
| Memoranda: | ||
| Average total assets | $364,353,800 | 1,838 |
| Average earning assets | $338,862,400 | 1,816 |
| Average equity | $69,136,400 | 971 |
| Average total loans | $239,708,800 | 1,969 |