Home > Magnolia State Bank > Performance and Condition Ratios
Magnolia State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 2,374 |
| Cost of funding earning assets | 1.1409% | 2,954 |
| Net interest margin | 3.7116% | 1,743 |
| Noninterest income to average assets | 1.2600% | 473 |
| Noninterest expense to average assets | 3.0932% | 970 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.4524% | 1,117 |
| Return on assets (ROA) | 1.4524% | 1,083 |
| Pretax return on assets | 1.4524% | 1,528 |
| Return on Equity (ROE) | 14.7800% | 1,328 |
| Retained earnings to average equity (ytd only) | 8.1989% | 1,478 |
| Net charge-offs to loans | 0.1336% | 743 |
| Credit loss provision to net charge-offs | 168.8222% | 1,355 |
| Earnings coverage of net charge-offs (x) | 16.3210% | 2,014 |
| Efficiency ratio | 65.6291% | 2,394 |
| Assets per employee ($millions) | 4.8514% | 3,739 |
| Cash dividends to net income (ytd only)* | 44.5234% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,336 |
| Loan loss allowance to noncurrent loans | 362.2722% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,327 |
| Noncurrent loans to loans | 0.2749% | 2,196 |
| Net loans and leases to total assets | 76.9600% | 977 |
| Net loans and leases to deposits | 86.4214% | 1,589 |
| Net loans and leases to core deposits | 95.4302% | 1,687 |
| Total domestic deposits to total assets | 89.0500% | 1,053 |
| Equity capital to assets | 10.4458% | 1,754 |
| Core capital (leverage) ratio | 11.4480% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2643% | 1,213 |
| Memoranda: | ||
| Average total assets | $436,254,200 | 1,899 |
| Average earning assets | $405,570,000 | 1,891 |
| Average equity | $42,871,400 | 1,791 |
| Average total loans | $324,202,600 | 1,708 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,408 |
| Cost of funding earning assets | 1.0350% | 2,939 |
| Net interest margin | 3.6953% | 1,785 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 2.8918% | 1,243 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.6972% | 798 |
| Return on assets (ROA) | 1.6972% | 788 |
| Pretax return on assets | 1.6972% | 1,163 |
| Return on Equity (ROE) | 17.5500% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.7816% | 1,465 |
| Net charge-offs to loans | 0.1843% | 476 |
| Credit loss provision to net charge-offs | 165.0113% | 1,253 |
| Earnings coverage of net charge-offs (x) | 14.1828% | 2,005 |
| Efficiency ratio | 60.0902% | 2,954 |
| Assets per employee ($millions) | 5.1321% | 3,491 |
| Cash dividends to net income (ytd only)* | 44.2543% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,188 |
| Loan loss allowance to noncurrent loans | 494.2815% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 1,489 |
| Noncurrent loans to loans | 0.2092% | 2,518 |
| Net loans and leases to total assets | 73.9500% | 1,345 |
| Net loans and leases to deposits | 82.6817% | 1,855 |
| Net loans and leases to core deposits | 90.6869% | 1,878 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 9.8391% | 1,916 |
| Core capital (leverage) ratio | 11.3654% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5099% | 1,198 |
| Memoranda: | ||
| Average total assets | $436,161,250 | 1,899 |
| Average earning assets | $405,012,500 | 1,891 |
| Average equity | $42,187,000 | 1,793 |
| Average total loans | $320,401,500 | 1,717 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 2,406 |
| Cost of funding earning assets | 0.9221% | 2,860 |
| Net interest margin | 3.6838% | 1,847 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.8583% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1689% | 1,911 |
| Return on assets (ROA) | 1.1689% | 1,905 |
| Pretax return on assets | 1.1689% | 2,452 |
| Return on Equity (ROE) | 12.1500% | 2,104 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,746 |
| Net charge-offs to loans | 0.3095% | 269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 5.1704% | 2,186 |
| Efficiency ratio | 70.9747% | 1,675 |
| Assets per employee ($millions) | 5.0216% | 3,582 |
| Cash dividends to net income (ytd only)* | 53.6681% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,030 |
| Loan loss allowance to noncurrent loans | 471.5847% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 1,516 |
| Noncurrent loans to loans | 0.1692% | 2,632 |
| Net loans and leases to total assets | 72.8400% | 1,427 |
| Net loans and leases to deposits | 80.9988% | 1,905 |
| Net loans and leases to core deposits | 87.9863% | 1,930 |
| Total domestic deposits to total assets | 89.9200% | 940 |
| Equity capital to assets | 9.5451% | 2,131 |
| Core capital (leverage) ratio | 10.7508% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6495% | 1,394 |
| Memoranda: | ||
| Average total assets | $436,138,667 | 1,896 |
| Average earning assets | $405,181,000 | 1,897 |
| Average equity | $41,942,333 | 1,814 |
| Average total loans | $318,543,333 | 1,713 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 2,411 |
| Cost of funding earning assets | 0.7685% | 2,843 |
| Net interest margin | 3.6891% | 1,924 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.8270% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1919% | 1,952 |
| Return on assets (ROA) | 1.1919% | 1,913 |
| Pretax return on assets | 1.1919% | 2,446 |
| Return on Equity (ROE) | 12.3500% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.7193% | 2,840 |
| Net charge-offs to loans | -0.1141% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.3423% | 1,715 |
| Assets per employee ($millions) | 5.1818% | 3,515 |
| Cash dividends to net income (ytd only)* | 53.6793% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,589 |
| Loan loss allowance to noncurrent loans | 717.6471% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,641 |
| Noncurrent loans to loans | 0.1368% | 2,818 |
| Net loans and leases to total assets | 71.8200% | 1,443 |
| Net loans and leases to deposits | 79.7894% | 1,832 |
| Net loans and leases to core deposits | 85.5298% | 1,895 |
| Total domestic deposits to total assets | 90.0100% | 1,151 |
| Equity capital to assets | 9.5047% | 2,139 |
| Core capital (leverage) ratio | 10.9180% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5052% | 1,487 |
| Memoranda: | ||
| Average total assets | $433,257,500 | 1,929 |
| Average earning assets | $401,837,500 | 1,932 |
| Average equity | $41,823,500 | 1,847 |
| Average total loans | $315,586,500 | 1,739 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 2,461 |
| Cost of funding earning assets | 0.3465% | 2,505 |
| Net interest margin | 3.3821% | 2,311 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.8569% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0712% | 2,292 |
| Return on assets (ROA) | 1.0712% | 2,231 |
| Pretax return on assets | 1.0712% | 2,858 |
| Return on Equity (ROE) | 12.0800% | 2,112 |
| Retained earnings to average equity (ytd only) | 5.8976% | 2,682 |
| Net charge-offs to loans | 0.0042% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 383.5000% | 405 |
| Efficiency ratio | 72.7305% | 1,357 |
| Assets per employee ($millions) | 4.8377% | 3,786 |
| Cash dividends to net income (ytd only)* | 51.1951% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 3,821 |
| Loan loss allowance to noncurrent loans | 352.7132% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,276 |
| Noncurrent loans to loans | 0.2513% | 2,268 |
| Net loans and leases to total assets | 72.5200% | 1,361 |
| Net loans and leases to deposits | 80.7779% | 1,712 |
| Net loans and leases to core deposits | 85.3956% | 1,791 |
| Total domestic deposits to total assets | 89.7800% | 1,457 |
| Equity capital to assets | 9.8106% | 1,820 |
| Core capital (leverage) ratio | 11.0218% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1071% | 1,345 |
| Memoranda: | ||
| Average total assets | $429,623,000 | 1,923 |
| Average earning assets | $401,698,200 | 1,915 |
| Average equity | $38,083,600 | 1,994 |
| Average total loans | $287,343,600 | 1,779 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 2,442 |
| Cost of funding earning assets | 0.3077% | 2,081 |
| Net interest margin | 3.2539% | 2,443 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.8086% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0702% | 2,206 |
| Return on assets (ROA) | 1.0702% | 2,167 |
| Pretax return on assets | 1.0702% | 2,810 |
| Return on Equity (ROE) | 12.4000% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.3179% | 2,989 |
| Net charge-offs to loans | 0.0180% | 1,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 91.2105% | 988 |
| Efficiency ratio | 72.4089% | 1,461 |
| Assets per employee ($millions) | 4.9299% | 3,737 |
| Cash dividends to net income (ytd only)* | 57.0975% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 3,812 |
| Loan loss allowance to noncurrent loans | 276.7656% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 1,248 |
| Noncurrent loans to loans | 0.3305% | 2,044 |
| Net loans and leases to total assets | 67.5100% | 1,726 |
| Net loans and leases to deposits | 74.5523% | 1,999 |
| Net loans and leases to core deposits | 78.6560% | 1,998 |
| Total domestic deposits to total assets | 90.5500% | 1,421 |
| Equity capital to assets | 9.0648% | 2,167 |
| Core capital (leverage) ratio | 10.5545% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0845% | 1,405 |
| Memoranda: | ||
| Average total assets | $431,808,000 | 1,925 |
| Average earning assets | $404,269,000 | 1,910 |
| Average equity | $37,281,750 | 2,052 |
| Average total loans | $282,187,500 | 1,798 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 2,469 |
| Cost of funding earning assets | 0.2966% | 1,742 |
| Net interest margin | 3.0929% | 2,556 |
| Noninterest income to average assets | 0.7306% | 1,235 |
| Noninterest expense to average assets | 2.7578% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8703% | 2,697 |
| Return on assets (ROA) | 0.8703% | 2,672 |
| Pretax return on assets | 0.8703% | 3,144 |
| Return on Equity (ROE) | 10.2513% | 2,242 |
| Retained earnings to average equity (ytd only) | 3.5792% | 3,243 |
| Net charge-offs to loans | 0.0094% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 144.3077% | 664 |
| Efficiency ratio | 76.0133% | 1,282 |
| Assets per employee ($millions) | 4.9238% | 3,741 |
| Cash dividends to net income (ytd only)* | 65.0853% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 3,766 |
| Loan loss allowance to noncurrent loans | 392.2414% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 1,545 |
| Noncurrent loans to loans | 0.2447% | 2,507 |
| Net loans and leases to total assets | 62.8641% | 2,031 |
| Net loans and leases to deposits | 69.4425% | 2,265 |
| Net loans and leases to core deposits | 73.3957% | 2,215 |
| Total domestic deposits to total assets | 90.5268% | 1,453 |
| Equity capital to assets | 9.1877% | 2,241 |
| Core capital (leverage) ratio | 10.4150% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1383% | 1,406 |
| Memoranda: | ||
| Average total assets | $431,133,333 | 1,933 |
| Average earning assets | $403,898,667 | 1,931 |
| Average equity | $36,600,333 | 2,134 |
| Average total loans | $277,721,667 | 1,815 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 2,251 |
| Cost of funding earning assets | 0.3059% | 1,604 |
| Net interest margin | 3.0406% | 2,363 |
| Noninterest income to average assets | 0.6691% | 1,418 |
| Noninterest expense to average assets | 2.6934% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8262% | 2,569 |
| Return on assets (ROA) | 0.8262% | 2,566 |
| Pretax return on assets | 0.8262% | 3,026 |
| Return on Equity (ROE) | 10.1757% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.4827% | 3,412 |
| Net charge-offs to loans | -0.0131% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5259% | 1,461 |
| Assets per employee ($millions) | 4.9336% | 3,806 |
| Cash dividends to net income (ytd only)* | 75.6014% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,730 |
| Loan loss allowance to noncurrent loans | 589.0792% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 1,543 |
| Noncurrent loans to loans | 0.1698% | 2,964 |
| Net loans and leases to total assets | 63.4384% | 1,694 |
| Net loans and leases to deposits | 68.8676% | 2,063 |
| Net loans and leases to core deposits | 73.0499% | 2,015 |
| Total domestic deposits to total assets | 92.1165% | 532 |
| Equity capital to assets | 7.5739% | 3,878 |
| Core capital (leverage) ratio | 8.3399% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1982% | 2,528 |
| Memoranda: | ||
| Average total assets | $422,667,500 | 1,972 |
| Average earning assets | $396,235,500 | 1,967 |
| Average equity | $34,317,000 | 2,279 |
| Average total loans | $274,381,500 | 1,819 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 2,929 |
| Cost of funding earning assets | 0.3749% | 1,718 |
| Net interest margin | 3.0261% | 3,127 |
| Noninterest income to average assets | 1.2624% | 666 |
| Noninterest expense to average assets | 2.7789% | 1,412 |
| Loan and lease loss provision to assets | 0.2110% | 498 |
| Net operating income to assets | 1.0894% | 2,337 |
| Return on assets (ROA) | 1.0894% | 2,405 |
| Pretax return on assets | 1.0894% | 3,010 |
| Return on Equity (ROE) | 12.4700% | 1,663 |
| Retained earnings to average equity (ytd only) | 4.8020% | 2,863 |
| Net charge-offs to loans | 0.0227% | 1,799 |
| Credit loss provision to net charge-offs | 1,368.2540% | 415 |
| Earnings coverage of net charge-offs (x) | 84.3333% | 966 |
| Efficiency ratio | 68.1226% | 1,957 |
| Assets per employee ($millions) | 4.7829% | 3,903 |
| Cash dividends to net income (ytd only)* | 61.4918% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,746 |
| Loan loss allowance to noncurrent loans | 236.9922% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 1,110 |
| Noncurrent loans to loans | 0.4227% | 2,081 |
| Net loans and leases to total assets | 65.1214% | 1,565 |
| Net loans and leases to deposits | 71.5953% | 1,953 |
| Net loans and leases to core deposits | 76.2030% | 1,902 |
| Total domestic deposits to total assets | 90.9577% | 507 |
| Equity capital to assets | 8.6816% | 3,904 |
| Core capital (leverage) ratio | 8.4921% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3681% | 2,503 |
| Memoranda: | ||
| Average total assets | $408,575,200 | 1,958 |
| Average earning assets | $380,322,200 | 1,970 |
| Average equity | $35,693,800 | 2,255 |
| Average total loans | $277,307,400 | 1,802 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 3,103 |
| Cost of funding earning assets | 0.3930% | 1,757 |
| Net interest margin | 3.0070% | 3,284 |
| Noninterest income to average assets | 1.4402% | 586 |
| Noninterest expense to average assets | 2.7165% | 1,547 |
| Loan and lease loss provision to assets | 0.2825% | 295 |
| Net operating income to assets | 1.2353% | 2,039 |
| Return on assets (ROA) | 1.2353% | 2,104 |
| Pretax return on assets | 1.2353% | 2,819 |
| Return on Equity (ROE) | 14.1176% | 1,357 |
| Retained earnings to average equity (ytd only) | 7.0962% | 2,379 |
| Net charge-offs to loans | 0.0302% | 1,448 |
| Credit loss provision to net charge-offs | 1,368.2540% | 427 |
| Earnings coverage of net charge-offs (x) | 73.4921% | 1,036 |
| Efficiency ratio | 64.1530% | 2,365 |
| Assets per employee ($millions) | 4.9043% | 3,792 |
| Cash dividends to net income (ytd only)* | 49.7346% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,913 |
| Loan loss allowance to noncurrent loans | 201.0264% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 1,086 |
| Noncurrent loans to loans | 0.4873% | 2,092 |
| Net loans and leases to total assets | 66.4939% | 1,484 |
| Net loans and leases to deposits | 73.3208% | 1,928 |
| Net loans and leases to core deposits | 79.1005% | 1,810 |
| Total domestic deposits to total assets | 90.6890% | 475 |
| Equity capital to assets | 8.7986% | 4,000 |
| Core capital (leverage) ratio | 8.5561% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5279% | 2,156 |
| Memoranda: | ||
| Average total assets | $406,691,000 | 1,987 |
| Average earning assets | $377,912,250 | 1,996 |
| Average equity | $35,586,000 | 2,292 |
| Average total loans | $278,204,250 | 1,833 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 3,158 |
| Cost of funding earning assets | 0.4112% | 1,790 |
| Net interest margin | 2.9979% | 3,333 |
| Noninterest income to average assets | 0.8168% | 1,488 |
| Noninterest expense to average assets | 2.6526% | 1,715 |
| Loan and lease loss provision to assets | 0.1458% | 823 |
| Net operating income to assets | 0.8059% | 3,495 |
| Return on assets (ROA) | 0.8059% | 3,568 |
| Pretax return on assets | 0.8059% | 3,857 |
| Return on Equity (ROE) | 9.2272% | 3,031 |
| Retained earnings to average equity (ytd only) | 2.0385% | 4,102 |
| Net charge-offs to loans | 0.0245% | 1,455 |
| Credit loss provision to net charge-offs | 864.7059% | 511 |
| Earnings coverage of net charge-offs (x) | 56.4412% | 999 |
| Efficiency ratio | 73.5966% | 1,279 |
| Assets per employee ($millions) | 4.6951% | 3,935 |
| Cash dividends to net income (ytd only)* | 77.9077% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 4,398 |
| Loan loss allowance to noncurrent loans | 126.9741% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 1,033 |
| Noncurrent loans to loans | 0.6120% | 1,872 |
| Net loans and leases to total assets | 68.0798% | 1,435 |
| Net loans and leases to deposits | 74.8789% | 1,921 |
| Net loans and leases to core deposits | 80.9340% | 1,809 |
| Total domestic deposits to total assets | 90.9199% | 399 |
| Equity capital to assets | 8.5479% | 4,162 |
| Core capital (leverage) ratio | 8.1750% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9756% | 2,730 |
| Memoranda: | ||
| Average total assets | $403,300,667 | 1,992 |
| Average earning assets | $374,997,667 | 1,998 |
| Average equity | $35,222,000 | 2,304 |
| Average total loans | $277,629,000 | 1,846 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4235% | 3,130 |
| Cost of funding earning assets | 0.4271% | 1,881 |
| Net interest margin | 2.9963% | 3,266 |
| Noninterest income to average assets | 0.7802% | 1,637 |
| Noninterest expense to average assets | 2.6388% | 1,769 |
| Loan and lease loss provision to assets | 0.1707% | 729 |
| Net operating income to assets | 0.7601% | 3,544 |
| Return on assets (ROA) | 0.7601% | 3,617 |
| Pretax return on assets | 0.7601% | 3,887 |
| Return on Equity (ROE) | 8.6085% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.0157% | 2,894 |
| Net charge-offs to loans | 0.0146% | 1,454 |
| Credit loss provision to net charge-offs | 1,700.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 92.7000% | 641 |
| Efficiency ratio | 73.9241% | 1,320 |
| Assets per employee ($millions) | 4.7313% | 3,899 |
| Cash dividends to net income (ytd only)* | 30.1189% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 4,466 |
| Loan loss allowance to noncurrent loans | 253.6791% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 1,761 |
| Noncurrent loans to loans | 0.3014% | 3,017 |
| Net loans and leases to total assets | 65.5646% | 1,853 |
| Net loans and leases to deposits | 71.8340% | 2,328 |
| Net loans and leases to core deposits | 77.9991% | 2,185 |
| Total domestic deposits to total assets | 91.2724% | 302 |
| Equity capital to assets | 8.4723% | 4,138 |
| Core capital (leverage) ratio | 8.5544% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5122% | 2,485 |
| Memoranda: | ||
| Average total assets | $398,368,500 | 1,999 |
| Average earning assets | $370,852,500 | 1,997 |
| Average equity | $35,174,500 | 2,295 |
| Average total loans | $274,701,000 | 1,860 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 2,657 |
| Cost of funding earning assets | 0.6639% | 1,905 |
| Net interest margin | 3.3583% | 2,905 |
| Noninterest income to average assets | 0.5890% | 2,260 |
| Noninterest expense to average assets | 2.9109% | 1,651 |
| Loan and lease loss provision to assets | 0.0430% | 3,865 |
| Net operating income to assets | 0.7325% | 3,323 |
| Return on assets (ROA) | 0.7325% | 3,450 |
| Pretax return on assets | 0.7325% | 3,810 |
| Return on Equity (ROE) | 7.6907% | 2,930 |
| Retained earnings to average equity (ytd only) | 1.4490% | 4,052 |
| Net charge-offs to loans | 0.1373% | 1,174 |
| Credit loss provision to net charge-offs | 43.4903% | 3,173 |
| Earnings coverage of net charge-offs (x) | 7.8449% | 2,658 |
| Efficiency ratio | 78.9630% | 964 |
| Assets per employee ($millions) | 4.3225% | 4,097 |
| Cash dividends to net income (ytd only)* | 81.1589% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 4,576 |
| Loan loss allowance to noncurrent loans | 139.6837% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 1,403 |
| Noncurrent loans to loans | 0.5071% | 2,452 |
| Net loans and leases to total assets | 71.6056% | 1,348 |
| Net loans and leases to deposits | 79.2218% | 1,955 |
| Net loans and leases to core deposits | 87.0864% | 1,786 |
| Total domestic deposits to total assets | 90.3862% | 421 |
| Equity capital to assets | 9.2208% | 3,868 |
| Core capital (leverage) ratio | 8.9809% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5279% | 2,434 |
| Memoranda: | ||
| Average total assets | $365,176,200 | 1,983 |
| Average earning assets | $336,803,000 | 1,996 |
| Average equity | $34,782,200 | 2,241 |
| Average total loans | $263,001,000 | 1,856 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,583 |
| Cost of funding earning assets | 0.7029% | 2,009 |
| Net interest margin | 3.4292% | 2,818 |
| Noninterest income to average assets | 0.5154% | 2,543 |
| Noninterest expense to average assets | 2.8572% | 1,809 |
| Loan and lease loss provision to assets | 0.0387% | 3,863 |
| Net operating income to assets | 0.7748% | 3,185 |
| Return on assets (ROA) | 0.7748% | 3,301 |
| Pretax return on assets | 0.7748% | 3,717 |
| Return on Equity (ROE) | 8.0668% | 2,786 |
| Retained earnings to average equity (ytd only) | 2.6121% | 3,683 |
| Net charge-offs to loans | 0.1737% | 851 |
| Credit loss provision to net charge-offs | 30.9735% | 2,951 |
| Earnings coverage of net charge-offs (x) | 6.5044% | 2,644 |
| Efficiency ratio | 77.8370% | 1,054 |
| Assets per employee ($millions) | 4.4147% | 3,939 |
| Cash dividends to net income (ytd only)* | 67.6190% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 4,530 |
| Loan loss allowance to noncurrent loans | 139.6350% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 1,422 |
| Noncurrent loans to loans | 0.5178% | 2,500 |
| Net loans and leases to total assets | 69.9978% | 1,951 |
| Net loans and leases to deposits | 77.6658% | 2,563 |
| Net loans and leases to core deposits | 84.8312% | 2,395 |
| Total domestic deposits to total assets | 90.1269% | 383 |
| Equity capital to assets | 9.3822% | 3,783 |
| Core capital (leverage) ratio | 8.9481% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8911% | 2,250 |
| Memoranda: | ||
| Average total assets | $361,375,000 | 1,972 |
| Average earning assets | $332,507,500 | 1,995 |
| Average equity | $34,709,250 | 2,239 |
| Average total loans | $260,172,000 | 1,861 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2028% | 2,752 |
| Cost of funding earning assets | 0.7498% | 2,125 |
| Net interest margin | 3.4530% | 2,936 |
| Noninterest income to average assets | 0.5999% | 2,129 |
| Noninterest expense to average assets | 2.8081% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9620% | 2,452 |
| Return on assets (ROA) | 0.9620% | 2,578 |
| Pretax return on assets | 0.9620% | 3,144 |
| Return on Equity (ROE) | 9.9353% | 2,003 |
| Retained earnings to average equity (ytd only) | 2.3854% | 3,614 |
| Net charge-offs to loans | 0.0371% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,319 |
| Efficiency ratio | 74.4833% | 1,419 |
| Assets per employee ($millions) | 4.4520% | 3,845 |
| Cash dividends to net income (ytd only)* | 75.9907% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 4,360 |
| Loan loss allowance to noncurrent loans | 92.5485% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 689 |
| Noncurrent loans to loans | 0.8552% | 1,779 |
| Net loans and leases to total assets | 68.7157% | 2,232 |
| Net loans and leases to deposits | 75.9457% | 2,875 |
| Net loans and leases to core deposits | 81.7372% | 2,796 |
| Total domestic deposits to total assets | 90.4801% | 278 |
| Equity capital to assets | 9.1213% | 3,983 |
| Core capital (leverage) ratio | 9.2148% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5988% | 2,360 |
| Memoranda: | ||
| Average total assets | $356,749,333 | 1,974 |
| Average earning assets | $327,541,000 | 1,984 |
| Average equity | $34,543,333 | 2,231 |
| Average total loans | $258,702,333 | 1,853 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 2,118 |
| Cost of funding earning assets | 0.8064% | 2,350 |
| Net interest margin | 3.7582% | 2,117 |
| Noninterest income to average assets | 0.5680% | 2,187 |
| Noninterest expense to average assets | 2.9096% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1080% | 1,821 |
| Return on assets (ROA) | 1.1080% | 1,912 |
| Pretax return on assets | 1.1080% | 2,494 |
| Return on Equity (ROE) | 11.0848% | 1,389 |
| Retained earnings to average equity (ytd only) | 7.7547% | 1,305 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4218% | 2,013 |
| Assets per employee ($millions) | 4.0004% | 3,919 |
| Cash dividends to net income (ytd only)* | 30.0420% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,312 |
| Loan loss allowance to noncurrent loans | 136.1446% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 861 |
| Noncurrent loans to loans | 0.6153% | 2,448 |
| Net loans and leases to total assets | 73.0203% | 1,776 |
| Net loans and leases to deposits | 81.3997% | 2,532 |
| Net loans and leases to core deposits | 87.7404% | 2,545 |
| Total domestic deposits to total assets | 89.7058% | 416 |
| Equity capital to assets | 10.0040% | 3,784 |
| Core capital (leverage) ratio | 9.9750% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0129% | 2,280 |
| Memoranda: | ||
| Average total assets | $343,687,500 | 1,985 |
| Average earning assets | $315,472,000 | 1,997 |
| Average equity | $34,353,500 | 2,229 |
| Average total loans | $255,457,000 | 1,824 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 1,845 |
| Cost of funding earning assets | 0.8452% | 2,457 |
| Net interest margin | 4.0250% | 1,772 |
| Noninterest income to average assets | 0.6351% | 2,070 |
| Noninterest expense to average assets | 3.1909% | 1,544 |
| Loan and lease loss provision to assets | 0.0602% | 2,835 |
| Net operating income to assets | 1.0316% | 2,726 |
| Return on assets (ROA) | 1.0316% | 2,820 |
| Pretax return on assets | 1.0316% | 3,383 |
| Return on Equity (ROE) | 10.4704% | 2,096 |
| Retained earnings to average equity (ytd only) | 2.7324% | 3,672 |
| Net charge-offs to loans | 0.0654% | 2,159 |
| Credit loss provision to net charge-offs | 121.3018% | 2,093 |
| Earnings coverage of net charge-offs (x) | 21.9822% | 1,868 |
| Efficiency ratio | 74.5059% | 1,548 |
| Assets per employee ($millions) | 3.9458% | 3,981 |
| Cash dividends to net income (ytd only)* | 73.9031% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,176 |
| Loan loss allowance to noncurrent loans | 157.6358% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 836 |
| Noncurrent loans to loans | 0.5349% | 2,572 |
| Net loans and leases to total assets | 74.4044% | 1,680 |
| Net loans and leases to deposits | 82.9905% | 2,441 |
| Net loans and leases to core deposits | 89.7262% | 2,450 |
| Total domestic deposits to total assets | 89.6541% | 447 |
| Equity capital to assets | 9.9869% | 3,932 |
| Core capital (leverage) ratio | 9.8594% | 3,662 |
| Tier 1 risk-based capital ratio | 13.0714% | 3,760 |
| Total risk-based capital ratio | 13.9134% | 3,851 |
| Memoranda: | ||
| Average total assets | $340,251,400 | 1,944 |
| Average earning assets | $308,344,400 | 1,975 |
| Average equity | $33,523,200 | 2,207 |
| Average total loans | $258,506,200 | 1,785 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 1,861 |
| Cost of funding earning assets | 0.8497% | 2,468 |
| Net interest margin | 4.0345% | 1,817 |
| Noninterest income to average assets | 0.6242% | 2,088 |
| Noninterest expense to average assets | 3.1242% | 1,658 |
| Loan and lease loss provision to assets | 0.0587% | 2,726 |
| Net operating income to assets | 1.0969% | 2,579 |
| Return on assets (ROA) | 1.0969% | 2,675 |
| Pretax return on assets | 1.0969% | 3,301 |
| Return on Equity (ROE) | 11.1708% | 1,942 |
| Retained earnings to average equity (ytd only) | 4.3152% | 3,238 |
| Net charge-offs to loans | 0.0540% | 2,064 |
| Credit loss provision to net charge-offs | 142.8571% | 1,697 |
| Earnings coverage of net charge-offs (x) | 28.1041% | 1,695 |
| Efficiency ratio | 72.9984% | 1,698 |
| Assets per employee ($millions) | 3.9120% | 4,009 |
| Cash dividends to net income (ytd only)* | 61.3709% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 4,248 |
| Loan loss allowance to noncurrent loans | 249.2486% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,073 |
| Noncurrent loans to loans | 0.3397% | 3,320 |
| Net loans and leases to total assets | 75.0400% | 1,641 |
| Net loans and leases to deposits | 83.9854% | 2,459 |
| Net loans and leases to core deposits | 91.3036% | 2,437 |
| Total domestic deposits to total assets | 89.3489% | 501 |
| Equity capital to assets | 10.1393% | 3,879 |
| Core capital (leverage) ratio | 9.9647% | 3,672 |
| Tier 1 risk-based capital ratio | 13.4289% | 3,614 |
| Total risk-based capital ratio | 14.2932% | 3,724 |
| Memoranda: | ||
| Average total assets | $340,478,500 | 1,957 |
| Average earning assets | $308,499,750 | 1,985 |
| Average equity | $33,431,500 | 2,233 |
| Average total loans | $259,474,500 | 1,793 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 1,814 |
| Cost of funding earning assets | 0.8491% | 2,403 |
| Net interest margin | 4.0310% | 1,827 |
| Noninterest income to average assets | 0.6606% | 1,872 |
| Noninterest expense to average assets | 3.0805% | 1,790 |
| Loan and lease loss provision to assets | 0.0439% | 2,946 |
| Net operating income to assets | 1.1749% | 2,241 |
| Return on assets (ROA) | 1.1749% | 2,318 |
| Pretax return on assets | 1.1749% | 3,001 |
| Return on Equity (ROE) | 12.0947% | 1,542 |
| Retained earnings to average equity (ytd only) | 5.6438% | 2,453 |
| Net charge-offs to loans | 0.0237% | 2,372 |
| Credit loss provision to net charge-offs | 241.9355% | 1,050 |
| Earnings coverage of net charge-offs (x) | 67.1935% | 926 |
| Efficiency ratio | 71.6522% | 1,972 |
| Assets per employee ($millions) | 4.0381% | 3,818 |
| Cash dividends to net income (ytd only)* | 53.3367% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 4,349 |
| Loan loss allowance to noncurrent loans | 99.0805% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.0271% | 1,354 |
| Noncurrent loans to loans | 0.8319% | 1,926 |
| Net loans and leases to total assets | 76.4399% | 1,483 |
| Net loans and leases to deposits | 85.3095% | 2,337 |
| Net loans and leases to core deposits | 92.6656% | 2,350 |
| Total domestic deposits to total assets | 89.6031% | 450 |
| Equity capital to assets | 9.9942% | 3,978 |
| Core capital (leverage) ratio | 9.5550% | 4,099 |
| Tier 1 risk-based capital ratio | 12.9045% | 3,887 |
| Total risk-based capital ratio | 13.7383% | 4,019 |
| Memoranda: | ||
| Average total assets | $341,826,670 | 1,960 |
| Average earning assets | $308,556,330 | 1,992 |
| Average equity | $33,204,670 | 2,238 |
| Average total loans | $261,094,000 | 1,788 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 1,865 |
| Cost of funding earning assets | 0.8285% | 2,379 |
| Net interest margin | 3.9839% | 1,894 |
| Noninterest income to average assets | 0.7554% | 1,416 |
| Noninterest expense to average assets | 3.0623% | 1,825 |
| Loan and lease loss provision to assets | 0.0583% | 2,486 |
| Net operating income to assets | 1.2053% | 2,034 |
| Return on assets (ROA) | 1.2053% | 2,086 |
| Pretax return on assets | 1.2053% | 2,785 |
| Return on Equity (ROE) | 12.5879% | 1,359 |
| Retained earnings to average equity (ytd only) | 8.7653% | 1,398 |
| Net charge-offs to loans | 0.0291% | 1,877 |
| Credit loss provision to net charge-offs | 263.1579% | 899 |
| Earnings coverage of net charge-offs (x) | 57.0526% | 943 |
| Efficiency ratio | 70.7895% | 2,226 |
| Assets per employee ($millions) | 4.1515% | 3,696 |
| Cash dividends to net income (ytd only)* | 30.3675% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,478 |
| Loan loss allowance to noncurrent loans | 177.3179% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 1,994 |
| Noncurrent loans to loans | 0.4583% | 2,938 |
| Net loans and leases to total assets | 73.2271% | 1,941 |
| Net loans and leases to deposits | 81.0855% | 2,715 |
| Net loans and leases to core deposits | 87.4410% | 2,745 |
| Total domestic deposits to total assets | 90.3085% | 353 |
| Equity capital to assets | 9.3458% | 4,390 |
| Core capital (leverage) ratio | 9.5604% | 4,067 |
| Tier 1 risk-based capital ratio | 12.6019% | 4,099 |
| Total risk-based capital ratio | 13.4166% | 4,251 |
| Memoranda: | ||
| Average total assets | $343,141,500 | 1,974 |
| Average earning assets | $307,538,000 | 2,014 |
| Average equity | $32,857,000 | 2,261 |
| Average total loans | $260,922,500 | 1,803 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 1,623 |
| Cost of funding earning assets | 0.5989% | 2,730 |
| Net interest margin | 4.1671% | 1,483 |
| Noninterest income to average assets | 0.6098% | 2,239 |
| Noninterest expense to average assets | 3.2101% | 1,525 |
| Loan and lease loss provision to assets | 0.1538% | 1,374 |
| Net operating income to assets | 0.9490% | 3,236 |
| Return on assets (ROA) | 0.9490% | 3,233 |
| Pretax return on assets | 0.9490% | 3,762 |
| Return on Equity (ROE) | 9.8032% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.5388% | 4,131 |
| Net charge-offs to loans | 0.2030% | 942 |
| Credit loss provision to net charge-offs | 97.3282% | 2,602 |
| Earnings coverage of net charge-offs (x) | 6.9790% | 3,026 |
| Efficiency ratio | 74.4301% | 1,567 |
| Assets per employee ($millions) | 3.9670% | 3,938 |
| Cash dividends to net income (ytd only)* | 74.1023% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,471 |
| Loan loss allowance to noncurrent loans | 244.8956% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,074 |
| Noncurrent loans to loans | 0.3338% | 3,354 |
| Net loans and leases to total assets | 77.7970% | 1,302 |
| Net loans and leases to deposits | 86.5879% | 2,206 |
| Net loans and leases to core deposits | 93.5514% | 2,269 |
| Total domestic deposits to total assets | 89.8475% | 528 |
| Equity capital to assets | 9.8242% | 3,839 |
| Core capital (leverage) ratio | 9.7664% | 3,845 |
| Tier 1 risk-based capital ratio | 12.5762% | 4,087 |
| Total risk-based capital ratio | 13.3953% | 4,219 |
| Memoranda: | ||
| Average total assets | $331,606,200 | 1,981 |
| Average earning assets | $294,688,200 | 2,050 |
| Average equity | $32,101,800 | 2,209 |
| Average total loans | $258,119,800 | 1,789 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,579 |
| Cost of funding earning assets | 0.5487% | 2,867 |
| Net interest margin | 4.1887% | 1,387 |
| Noninterest income to average assets | 0.6334% | 2,151 |
| Noninterest expense to average assets | 3.1053% | 1,759 |
| Loan and lease loss provision to assets | 0.2047% | 838 |
| Net operating income to assets | 1.0399% | 2,926 |
| Return on assets (ROA) | 1.0399% | 2,930 |
| Pretax return on assets | 1.0399% | 3,610 |
| Return on Equity (ROE) | 10.7819% | 2,270 |
| Retained earnings to average equity (ytd only) | 4.4609% | 3,517 |
| Net charge-offs to loans | 0.2402% | 710 |
| Credit loss provision to net charge-offs | 109.6774% | 2,116 |
| Earnings coverage of net charge-offs (x) | 6.6689% | 2,867 |
| Efficiency ratio | 71.3877% | 1,980 |
| Assets per employee ($millions) | 3.8649% | 4,083 |
| Cash dividends to net income (ytd only)* | 58.6259% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 4,491 |
| Loan loss allowance to noncurrent loans | 267.9012% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,289 |
| Noncurrent loans to loans | 0.3144% | 3,544 |
| Net loans and leases to total assets | 75.9881% | 1,662 |
| Net loans and leases to deposits | 85.4940% | 2,421 |
| Net loans and leases to core deposits | 92.1635% | 2,465 |
| Total domestic deposits to total assets | 88.8812% | 883 |
| Equity capital to assets | 9.6205% | 3,979 |
| Core capital (leverage) ratio | 9.8134% | 3,837 |
| Tier 1 risk-based capital ratio | 12.8179% | 4,008 |
| Total risk-based capital ratio | 13.6693% | 4,131 |
| Memoranda: | ||
| Average total assets | $332,193,250 | 1,987 |
| Average earning assets | $294,757,000 | 2,061 |
| Average equity | $32,040,500 | 2,217 |
| Average total loans | $258,083,750 | 1,798 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,598 |
| Cost of funding earning assets | 0.4906% | 3,082 |
| Net interest margin | 4.1730% | 1,345 |
| Noninterest income to average assets | 0.5374% | 2,653 |
| Noninterest expense to average assets | 3.0117% | 2,010 |
| Loan and lease loss provision to assets | 0.1451% | 1,318 |
| Net operating income to assets | 1.0881% | 2,622 |
| Return on assets (ROA) | 1.0881% | 2,631 |
| Pretax return on assets | 1.0881% | 3,359 |
| Return on Equity (ROE) | 11.2718% | 2,006 |
| Retained earnings to average equity (ytd only) | 5.5482% | 2,797 |
| Net charge-offs to loans | 0.3261% | 488 |
| Credit loss provision to net charge-offs | 57.0071% | 2,451 |
| Earnings coverage of net charge-offs (x) | 4.8456% | 2,764 |
| Efficiency ratio | 70.9484% | 2,172 |
| Assets per employee ($millions) | 3.9754% | 3,939 |
| Cash dividends to net income (ytd only)* | 50.7778% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 4,831 |
| Loan loss allowance to noncurrent loans | 218.5602% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 2,250 |
| Noncurrent loans to loans | 0.3422% | 3,474 |
| Net loans and leases to total assets | 77.2122% | 1,441 |
| Net loans and leases to deposits | 85.7911% | 2,340 |
| Net loans and leases to core deposits | 91.9990% | 2,398 |
| Total domestic deposits to total assets | 90.0002% | 573 |
| Equity capital to assets | 9.6596% | 3,958 |
| Core capital (leverage) ratio | 9.9251% | 3,664 |
| Tier 1 risk-based capital ratio | 12.6513% | 4,093 |
| Total risk-based capital ratio | 13.4080% | 4,278 |
| Memoranda: | ||
| Average total assets | $330,843,670 | 2,005 |
| Average earning assets | $293,934,330 | 2,077 |
| Average equity | $31,938,000 | 2,228 |
| Average total loans | $258,220,330 | 1,803 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,468 |
| Cost of funding earning assets | 0.4543% | 3,174 |
| Net interest margin | 4.1833% | 1,208 |
| Noninterest income to average assets | 0.4713% | 2,991 |
| Noninterest expense to average assets | 2.9906% | 2,089 |
| Loan and lease loss provision to assets | 0.0911% | 1,985 |
| Net operating income to assets | 1.1139% | 2,363 |
| Return on assets (ROA) | 1.1139% | 2,384 |
| Pretax return on assets | 1.1139% | 3,121 |
| Return on Equity (ROE) | 11.5424% | 1,750 |
| Retained earnings to average equity (ytd only) | 8.0683% | 1,808 |
| Net charge-offs to loans | 0.5314% | 279 |
| Credit loss provision to net charge-offs | 21.9298% | 2,115 |
| Earnings coverage of net charge-offs (x) | 2.9006% | 2,425 |
| Efficiency ratio | 71.2797% | 2,305 |
| Assets per employee ($millions) | 3.9147% | 4,127 |
| Cash dividends to net income (ytd only)* | 30.0981% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,984 |
| Loan loss allowance to noncurrent loans | 231.5461% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 2,366 |
| Noncurrent loans to loans | 0.3109% | 3,659 |
| Net loans and leases to total assets | 76.9714% | 1,393 |
| Net loans and leases to deposits | 85.4467% | 2,240 |
| Net loans and leases to core deposits | 90.7559% | 2,392 |
| Total domestic deposits to total assets | 90.0812% | 629 |
| Equity capital to assets | 9.6114% | 3,983 |
| Core capital (leverage) ratio | 9.9352% | 3,597 |
| Tier 1 risk-based capital ratio | 12.4052% | 4,304 |
| Total risk-based capital ratio | 13.1198% | 4,516 |
| Memoranda: | ||
| Average total assets | $329,297,000 | 2,021 |
| Average earning assets | $293,167,000 | 2,108 |
| Average equity | $31,778,500 | 2,252 |
| Average total loans | $257,439,000 | 1,808 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,694 |
| Cost of funding earning assets | 0.4139% | 3,112 |
| Net interest margin | 4.0900% | 1,478 |
| Noninterest income to average assets | 0.5111% | 2,927 |
| Noninterest expense to average assets | 3.3836% | 1,231 |
| Loan and lease loss provision to assets | 0.1794% | 1,204 |
| Net operating income to assets | 0.6120% | 3,960 |
| Return on assets (ROA) | 0.6152% | 3,992 |
| Pretax return on assets | 0.6152% | 4,709 |
| Return on Equity (ROE) | 6.2556% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.6841% | 3,027 |
| Net charge-offs to loans | 0.1248% | 1,800 |
| Credit loss provision to net charge-offs | 191.5825% | 1,426 |
| Earnings coverage of net charge-offs (x) | 8.4512% | 2,911 |
| Efficiency ratio | 81.0437% | 1,013 |
| Assets per employee ($millions) | 3.3942% | 4,830 |
| Cash dividends to net income (ytd only)* | 41.1071% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,748 |
| Loan loss allowance to noncurrent loans | 185.9143% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 2,032 |
| Noncurrent loans to loans | 0.4449% | 3,185 |
| Net loans and leases to total assets | 78.1888% | 1,264 |
| Net loans and leases to deposits | 86.8018% | 2,158 |
| Net loans and leases to core deposits | 92.4390% | 2,330 |
| Total domestic deposits to total assets | 90.0774% | 544 |
| Equity capital to assets | 9.6903% | 4,040 |
| Core capital (leverage) ratio | 9.8518% | 3,636 |
| Tier 1 risk-based capital ratio | 12.2885% | 4,339 |
| Total risk-based capital ratio | 13.1150% | 4,504 |
| Memoranda: | ||
| Average total assets | $317,145,600 | 2,079 |
| Average earning assets | $284,104,600 | 2,134 |
| Average equity | $31,188,200 | 2,280 |
| Average total loans | $237,952,800 | 1,886 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 1,827 |
| Cost of funding earning assets | 0.3794% | 3,380 |
| Net interest margin | 4.0594% | 1,511 |
| Noninterest income to average assets | 0.3831% | 3,794 |
| Noninterest expense to average assets | 3.3573% | 1,230 |
| Loan and lease loss provision to assets | 0.0847% | 2,396 |
| Net operating income to assets | 0.5736% | 4,486 |
| Return on assets (ROA) | 0.5757% | 4,522 |
| Pretax return on assets | 0.5757% | 4,887 |
| Return on Equity (ROE) | 5.8321% | 4,198 |
| Retained earnings to average equity (ytd only) | 4.0053% | 3,538 |
| Net charge-offs to loans | 0.1606% | 1,276 |
| Credit loss provision to net charge-offs | 71.1744% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.5338% | 3,093 |
| Efficiency ratio | 83.6074% | 788 |
| Assets per employee ($millions) | 4.0662% | 3,872 |
| Cash dividends to net income (ytd only)* | 31.3237% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 5,125 |
| Loan loss allowance to noncurrent loans | 350.8911% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 2,064 |
| Noncurrent loans to loans | 0.2014% | 4,278 |
| Net loans and leases to total assets | 74.6889% | 1,805 |
| Net loans and leases to deposits | 84.8205% | 2,459 |
| Net loans and leases to core deposits | 90.2392% | 2,588 |
| Total domestic deposits to total assets | 88.0553% | 1,335 |
| Equity capital to assets | 9.5040% | 4,441 |
| Core capital (leverage) ratio | 9.8052% | 3,813 |
| Tier 1 risk-based capital ratio | 12.3343% | 4,419 |
| Total risk-based capital ratio | 13.0307% | 4,647 |
| Memoranda: | ||
| Average total assets | $314,971,500 | 2,107 |
| Average earning assets | $281,839,500 | 2,163 |
| Average equity | $31,091,500 | 2,299 |
| Average total loans | $233,216,750 | 1,924 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 1,831 |
| Cost of funding earning assets | 0.3658% | 3,422 |
| Net interest margin | 4.0293% | 1,519 |
| Noninterest income to average assets | 0.3899% | 3,750 |
| Noninterest expense to average assets | 3.3295% | 1,314 |
| Loan and lease loss provision to assets | 0.0810% | 2,366 |
| Net operating income to assets | 0.6029% | 4,295 |
| Return on assets (ROA) | 0.6062% | 4,323 |
| Pretax return on assets | 0.6062% | 4,791 |
| Return on Equity (ROE) | 6.0770% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.3175% | 3,136 |
| Net charge-offs to loans | 0.2322% | 880 |
| Credit loss provision to net charge-offs | 47.3485% | 2,590 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,984 |
| Efficiency ratio | 82.9595% | 923 |
| Assets per employee ($millions) | 3.5391% | 4,663 |
| Cash dividends to net income (ytd only)* | 28.9530% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 5,138 |
| Loan loss allowance to noncurrent loans | 488.3191% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 1,768 |
| Noncurrent loans to loans | 0.1495% | 4,514 |
| Net loans and leases to total assets | 73.9916% | 1,866 |
| Net loans and leases to deposits | 82.6333% | 2,634 |
| Net loans and leases to core deposits | 87.8652% | 2,711 |
| Total domestic deposits to total assets | 89.5422% | 717 |
| Equity capital to assets | 9.9578% | 3,960 |
| Core capital (leverage) ratio | 9.9385% | 3,609 |
| Tier 1 risk-based capital ratio | 12.5856% | 4,250 |
| Total risk-based capital ratio | 13.2809% | 4,497 |
| Memoranda: | ||
| Average total assets | $308,819,670 | 2,140 |
| Average earning assets | $277,716,000 | 2,187 |
| Average equity | $30,804,670 | 2,313 |
| Average total loans | $227,354,000 | 1,961 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 1,862 |
| Cost of funding earning assets | 0.3692% | 3,321 |
| Net interest margin | 3.9669% | 1,562 |
| Noninterest income to average assets | 0.4173% | 3,544 |
| Noninterest expense to average assets | 3.2302% | 1,522 |
| Loan and lease loss provision to assets | 0.0981% | 1,925 |
| Net operating income to assets | 0.6594% | 3,885 |
| Return on assets (ROA) | 0.6594% | 3,925 |
| Pretax return on assets | 0.6594% | 4,565 |
| Return on Equity (ROE) | 6.6045% | 3,603 |
| Retained earnings to average equity (ytd only) | 4.7437% | 3,043 |
| Net charge-offs to loans | 0.4668% | 397 |
| Credit loss provision to net charge-offs | 28.7356% | 2,119 |
| Earnings coverage of net charge-offs (x) | 2.2184% | 2,621 |
| Efficiency ratio | 81.0039% | 1,257 |
| Assets per employee ($millions) | 3.7230% | 4,460 |
| Cash dividends to net income (ytd only)* | 28.1746% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 5,241 |
| Loan loss allowance to noncurrent loans | 190.2968% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 2,083 |
| Noncurrent loans to loans | 0.3846% | 3,725 |
| Net loans and leases to total assets | 72.3079% | 2,032 |
| Net loans and leases to deposits | 80.5235% | 2,682 |
| Net loans and leases to core deposits | 85.5968% | 2,761 |
| Total domestic deposits to total assets | 89.7972% | 748 |
| Equity capital to assets | 9.8571% | 3,923 |
| Core capital (leverage) ratio | 10.0146% | 3,474 |
| Tier 1 risk-based capital ratio | 12.9447% | 4,111 |
| Total risk-based capital ratio | 13.6471% | 4,356 |
| Memoranda: | ||
| Average total assets | $305,740,000 | 2,168 |
| Average earning assets | $275,176,000 | 2,212 |
| Average equity | $30,524,500 | 2,337 |
| Average total loans | $223,645,000 | 1,996 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 1,802 |
| Cost of funding earning assets | 0.3479% | 3,535 |
| Net interest margin | 4.0578% | 1,475 |
| Noninterest income to average assets | 0.7860% | 1,803 |
| Noninterest expense to average assets | 3.5635% | 1,059 |
| Loan and lease loss provision to assets | 0.1707% | 1,428 |
| Net operating income to assets | 0.7405% | 3,588 |
| Return on assets (ROA) | 0.6878% | 3,949 |
| Pretax return on assets | 0.6878% | 4,531 |
| Return on Equity (ROE) | 6.8174% | 3,571 |
| Retained earnings to average equity (ytd only) | 2.0781% | 4,353 |
| Net charge-offs to loans | 0.1775% | 1,547 |
| Credit loss provision to net charge-offs | 128.6765% | 2,080 |
| Earnings coverage of net charge-offs (x) | 6.8701% | 3,108 |
| Efficiency ratio | 79.6382% | 1,465 |
| Assets per employee ($millions) | 3.6433% | 4,552 |
| Cash dividends to net income (ytd only)* | 69.5180% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,972 |
| Loan loss allowance to noncurrent loans | 68.1000% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 1,416 |
| Noncurrent loans to loans | 1.2397% | 1,656 |
| Net loans and leases to total assets | 72.8507% | 2,031 |
| Net loans and leases to deposits | 81.3643% | 2,746 |
| Net loans and leases to core deposits | 86.4641% | 2,816 |
| Total domestic deposits to total assets | 89.5365% | 842 |
| Equity capital to assets | 10.1459% | 3,554 |
| Core capital (leverage) ratio | 10.0707% | 3,403 |
| Tier 1 risk-based capital ratio | 13.5669% | 3,729 |
| Total risk-based capital ratio | 14.3925% | 3,902 |
| Memoranda: | ||
| Average total assets | $307,643,400 | 2,125 |
| Average earning assets | $279,658,600 | 2,155 |
| Average equity | $31,038,400 | 2,290 |
| Average total loans | $229,815,200 | 1,906 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 1,802 |
| Cost of funding earning assets | 0.3468% | 3,565 |
| Net interest margin | 4.0708% | 1,472 |
| Noninterest income to average assets | 0.6682% | 2,327 |
| Noninterest expense to average assets | 3.4233% | 1,305 |
| Loan and lease loss provision to assets | 0.0968% | 2,288 |
| Net operating income to assets | 0.8507% | 3,149 |
| Return on assets (ROA) | 0.7810% | 3,594 |
| Pretax return on assets | 0.7810% | 4,364 |
| Return on Equity (ROE) | 7.7512% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.1156% | 2,120 |
| Net charge-offs to loans | 0.0425% | 2,792 |
| Credit loss provision to net charge-offs | 304.0541% | 1,018 |
| Earnings coverage of net charge-offs (x) | 29.7581% | 1,497 |
| Efficiency ratio | 78.3225% | 1,643 |
| Assets per employee ($millions) | 3.5774% | 4,674 |
| Cash dividends to net income (ytd only)* | 21.1018% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 5,119 |
| Loan loss allowance to noncurrent loans | 171.6106% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 2,681 |
| Noncurrent loans to loans | 0.4805% | 3,571 |
| Net loans and leases to total assets | 72.8875% | 2,037 |
| Net loans and leases to deposits | 83.5163% | 2,541 |
| Net loans and leases to core deposits | 88.5559% | 2,709 |
| Total domestic deposits to total assets | 87.2733% | 1,768 |
| Equity capital to assets | 10.3298% | 3,771 |
| Core capital (leverage) ratio | 10.2566% | 3,274 |
| Tier 1 risk-based capital ratio | 13.7435% | 3,713 |
| Total risk-based capital ratio | 14.5746% | 3,880 |
| Memoranda: | ||
| Average total assets | $309,866,250 | 2,118 |
| Average earning assets | $281,837,750 | 2,151 |
| Average equity | $31,220,250 | 2,287 |
| Average total loans | $232,395,000 | 1,892 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,804 |
| Cost of funding earning assets | 0.3441% | 3,630 |
| Net interest margin | 4.0645% | 1,461 |
| Noninterest income to average assets | 0.5624% | 2,837 |
| Noninterest expense to average assets | 3.4052% | 1,364 |
| Loan and lease loss provision to assets | 0.0970% | 2,214 |
| Net operating income to assets | 0.7634% | 3,489 |
| Return on assets (ROA) | 0.6587% | 4,146 |
| Pretax return on assets | 0.6587% | 4,744 |
| Return on Equity (ROE) | 6.5933% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.6263% | 2,961 |
| Net charge-offs to loans | 0.0154% | 3,223 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 73.9444% | 744 |
| Efficiency ratio | 79.8303% | 1,514 |
| Assets per employee ($millions) | 3.3957% | 4,930 |
| Cash dividends to net income (ytd only)* | 29.8332% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,254 |
| Loan loss allowance to noncurrent loans | 79.8632% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 2,220 |
| Noncurrent loans to loans | 1.0146% | 2,259 |
| Net loans and leases to total assets | 73.9992% | 1,843 |
| Net loans and leases to deposits | 82.8971% | 2,603 |
| Net loans and leases to core deposits | 87.3114% | 2,791 |
| Total domestic deposits to total assets | 89.2664% | 775 |
| Equity capital to assets | 10.2019% | 3,973 |
| Core capital (leverage) ratio | 9.7150% | 3,909 |
| Tier 1 risk-based capital ratio | 13.4049% | 3,963 |
| Total risk-based capital ratio | 14.2266% | 4,126 |
| Memoranda: | ||
| Average total assets | $309,409,670 | 2,125 |
| Average earning assets | $281,903,670 | 2,160 |
| Average equity | $30,910,330 | 2,315 |
| Average total loans | $233,614,000 | 1,886 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 1,917 |
| Cost of funding earning assets | 0.3414% | 3,699 |
| Net interest margin | 4.0213% | 1,553 |
| Noninterest income to average assets | 0.5452% | 2,836 |
| Noninterest expense to average assets | 3.2505% | 1,722 |
| Loan and lease loss provision to assets | 0.0969% | 2,076 |
| Net operating income to assets | 0.8656% | 2,915 |
| Return on assets (ROA) | 0.6563% | 4,070 |
| Pretax return on assets | 0.6563% | 4,664 |
| Return on Equity (ROE) | 6.6399% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.6531% | 3,150 |
| Net charge-offs to loans | 0.0068% | 2,886 |
| Credit loss provision to net charge-offs | 1,875.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 186.2500% | 326 |
| Efficiency ratio | 77.1542% | 2,017 |
| Assets per employee ($millions) | 3.4756% | 4,853 |
| Cash dividends to net income (ytd only)* | 29.9213% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 5,424 |
| Loan loss allowance to noncurrent loans | 76.4059% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 2,566 |
| Noncurrent loans to loans | 1.0183% | 2,348 |
| Net loans and leases to total assets | 72.8589% | 1,897 |
| Net loans and leases to deposits | 81.0663% | 2,667 |
| Net loans and leases to core deposits | 84.9585% | 2,846 |
| Total domestic deposits to total assets | 89.8758% | 647 |
| Equity capital to assets | 9.7632% | 4,382 |
| Core capital (leverage) ratio | 9.7060% | 3,902 |
| Tier 1 risk-based capital ratio | 13.1745% | 4,154 |
| Total risk-based capital ratio | 13.9651% | 4,360 |
| Memoranda: | ||
| Average total assets | $309,609,500 | 2,133 |
| Average earning assets | $282,399,000 | 2,164 |
| Average equity | $30,603,000 | 2,335 |
| Average total loans | $235,154,500 | 1,879 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 1,183 |
| Cost of funding earning assets | 0.3654% | 3,530 |
| Net interest margin | 4.3040% | 958 |
| Noninterest income to average assets | 0.5692% | 2,904 |
| Noninterest expense to average assets | 3.3906% | 1,503 |
| Loan and lease loss provision to assets | 0.0071% | 4,258 |
| Net operating income to assets | 1.1394% | 1,776 |
| Return on assets (ROA) | 1.1394% | 1,838 |
| Pretax return on assets | 1.1394% | 2,885 |
| Return on Equity (ROE) | 11.7526% | 1,370 |
| Retained earnings to average equity (ytd only) | 4.6581% | 2,672 |
| Net charge-offs to loans | 0.1150% | 2,221 |
| Credit loss provision to net charge-offs | 7.8571% | 3,841 |
| Earnings coverage of net charge-offs (x) | 12.7750% | 2,430 |
| Efficiency ratio | 74.7316% | 2,472 |
| Assets per employee ($millions) | 3.4038% | 4,971 |
| Cash dividends to net income (ytd only)* | 60.3657% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 5,584 |
| Loan loss allowance to noncurrent loans | 85.5172% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 2,756 |
| Noncurrent loans to loans | 0.8527% | 2,650 |
| Net loans and leases to total assets | 78.0117% | 1,115 |
| Net loans and leases to deposits | 87.1274% | 1,985 |
| Net loans and leases to core deposits | 91.4536% | 2,277 |
| Total domestic deposits to total assets | 89.5375% | 833 |
| Equity capital to assets | 10.0110% | 3,948 |
| Core capital (leverage) ratio | 9.7484% | 3,835 |
| Tier 1 risk-based capital ratio | 13.2234% | 4,150 |
| Total risk-based capital ratio | 13.9944% | 4,389 |
| Memoranda: | ||
| Average total assets | $312,008,200 | 2,079 |
| Average earning assets | $287,642,600 | 2,088 |
| Average equity | $30,248,600 | 2,305 |
| Average total loans | $243,472,600 | 1,772 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,168 |
| Cost of funding earning assets | 0.3677% | 3,573 |
| Net interest margin | 4.2973% | 961 |
| Noninterest income to average assets | 0.5256% | 3,198 |
| Noninterest expense to average assets | 3.1852% | 2,008 |
| Loan and lease loss provision to assets | 0.0093% | 4,081 |
| Net operating income to assets | 1.2978% | 1,347 |
| Return on assets (ROA) | 1.2978% | 1,403 |
| Pretax return on assets | 1.2978% | 2,410 |
| Return on Equity (ROE) | 13.4922% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.4388% | 749 |
| Net charge-offs to loans | 0.0610% | 2,723 |
| Credit loss provision to net charge-offs | 19.6429% | 3,366 |
| Earnings coverage of net charge-offs (x) | 27.5089% | 1,583 |
| Efficiency ratio | 70.9038% | 3,067 |
| Assets per employee ($millions) | 3.7945% | 4,274 |
| Cash dividends to net income (ytd only)* | 30.0425% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 5,564 |
| Loan loss allowance to noncurrent loans | 111.8614% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 3,310 |
| Noncurrent loans to loans | 0.6971% | 3,238 |
| Net loans and leases to total assets | 77.9059% | 1,112 |
| Net loans and leases to deposits | 87.0387% | 2,022 |
| Net loans and leases to core deposits | 91.3741% | 2,327 |
| Total domestic deposits to total assets | 89.5072% | 771 |
| Equity capital to assets | 10.0291% | 4,122 |
| Core capital (leverage) ratio | 9.7807% | 3,925 |
| Tier 1 risk-based capital ratio | 13.2012% | 4,318 |
| Total risk-based capital ratio | 14.0257% | 4,471 |
| Memoranda: | ||
| Average total assets | $314,275,750 | 2,087 |
| Average earning assets | $290,095,750 | 2,093 |
| Average equity | $30,229,000 | 2,318 |
| Average total loans | $244,825,000 | 1,768 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 1,217 |
| Cost of funding earning assets | 0.3734% | 3,565 |
| Net interest margin | 4.2551% | 1,008 |
| Noninterest income to average assets | 0.5601% | 2,979 |
| Noninterest expense to average assets | 3.1708% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3136% | 1,275 |
| Return on assets (ROA) | 1.3136% | 1,334 |
| Pretax return on assets | 1.3136% | 2,315 |
| Return on Equity (ROE) | 13.8511% | 935 |
| Retained earnings to average equity (ytd only) | 9.7045% | 729 |
| Net charge-offs to loans | 0.0171% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 98.6190% | 607 |
| Efficiency ratio | 70.7072% | 3,216 |
| Assets per employee ($millions) | 3.6561% | 4,527 |
| Cash dividends to net income (ytd only)* | 29.9372% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 5,606 |
| Loan loss allowance to noncurrent loans | 128.0337% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 3,873 |
| Noncurrent loans to loans | 0.6231% | 3,601 |
| Net loans and leases to total assets | 79.8835% | 816 |
| Net loans and leases to deposits | 89.0474% | 1,711 |
| Net loans and leases to core deposits | 93.5268% | 2,004 |
| Total domestic deposits to total assets | 89.7089% | 783 |
| Equity capital to assets | 9.9029% | 4,154 |
| Core capital (leverage) ratio | 9.4333% | 4,372 |
| Tier 1 risk-based capital ratio | 12.9275% | 4,559 |
| Total risk-based capital ratio | 13.7830% | 4,703 |
| Memoranda: | ||
| Average total assets | $315,319,000 | 2,097 |
| Average earning assets | $290,804,000 | 2,106 |
| Average equity | $29,903,670 | 2,345 |
| Average total loans | $244,998,000 | 1,781 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 946 |
| Cost of funding earning assets | 0.3709% | 3,634 |
| Net interest margin | 4.3801% | 764 |
| Noninterest income to average assets | 0.3907% | 4,084 |
| Noninterest expense to average assets | 3.0593% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3687% | 1,096 |
| Return on assets (ROA) | 1.3687% | 1,157 |
| Pretax return on assets | 1.3687% | 2,002 |
| Return on Equity (ROE) | 14.7459% | 746 |
| Retained earnings to average equity (ytd only) | 10.3208% | 845 |
| Net charge-offs to loans | 0.0279% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 64.2941% | 693 |
| Efficiency ratio | 69.0894% | 3,641 |
| Assets per employee ($millions) | 3.8381% | 4,272 |
| Cash dividends to net income (ytd only)* | 30.0091% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 5,692 |
| Loan loss allowance to noncurrent loans | 151.8433% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 4,156 |
| Noncurrent loans to loans | 0.5263% | 3,990 |
| Net loans and leases to total assets | 76.1199% | 1,191 |
| Net loans and leases to deposits | 85.7465% | 1,860 |
| Net loans and leases to core deposits | 89.8618% | 2,145 |
| Total domestic deposits to total assets | 88.7732% | 1,408 |
| Equity capital to assets | 9.3713% | 4,889 |
| Core capital (leverage) ratio | 9.1015% | 4,843 |
| Tier 1 risk-based capital ratio | 12.5115% | 4,896 |
| Total risk-based capital ratio | 13.3607% | 5,078 |
| Memoranda: | ||
| Average total assets | $319,423,000 | 2,092 |
| Average earning assets | $294,423,500 | 2,088 |
| Average equity | $29,649,000 | 2,378 |
| Average total loans | $243,845,000 | 1,782 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,245 |
| Cost of funding earning assets | 0.4177% | 3,499 |
| Net interest margin | 4.3087% | 1,042 |
| Noninterest income to average assets | 0.6169% | 2,757 |
| Noninterest expense to average assets | 3.4508% | 1,596 |
| Loan and lease loss provision to assets | 0.0145% | 4,321 |
| Net operating income to assets | 1.1206% | 1,903 |
| Return on assets (ROA) | 1.0939% | 2,054 |
| Pretax return on assets | 1.0939% | 3,111 |
| Return on Equity (ROE) | 11.9216% | 1,435 |
| Retained earnings to average equity (ytd only) | 3.0584% | 4,068 |
| Net charge-offs to loans | 0.0157% | 4,559 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 98.0833% | 534 |
| Efficiency ratio | 75.2488% | 2,629 |
| Assets per employee ($millions) | 3.7672% | 4,411 |
| Cash dividends to net income (ytd only)* | 74.3462% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,689 |
| Loan loss allowance to noncurrent loans | 162.1138% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,529 |
| Noncurrent loans to loans | 0.5119% | 4,133 |
| Net loans and leases to total assets | 75.3078% | 1,362 |
| Net loans and leases to deposits | 87.9090% | 1,744 |
| Net loans and leases to core deposits | 91.5331% | 2,143 |
| Total domestic deposits to total assets | 85.6656% | 3,002 |
| Equity capital to assets | 9.1427% | 5,134 |
| Core capital (leverage) ratio | 8.9244% | 5,091 |
| Tier 1 risk-based capital ratio | 12.3512% | 5,127 |
| Total risk-based capital ratio | 13.2256% | 5,279 |
| Memoranda: | ||
| Average total assets | $311,085,200 | 2,089 |
| Average earning assets | $286,561,800 | 2,080 |
| Average equity | $28,544,800 | 2,373 |
| Average total loans | $229,830,600 | 1,824 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,367 |
| Cost of funding earning assets | 0.4197% | 3,578 |
| Net interest margin | 4.2562% | 1,139 |
| Noninterest income to average assets | 0.6556% | 2,550 |
| Noninterest expense to average assets | 3.2813% | 1,945 |
| Loan and lease loss provision to assets | 0.0194% | 4,014 |
| Net operating income to assets | 1.2750% | 1,452 |
| Return on assets (ROA) | 1.2393% | 1,611 |
| Pretax return on assets | 1.2393% | 2,617 |
| Return on Equity (ROE) | 13.4933% | 1,097 |
| Retained earnings to average equity (ytd only) | 9.4673% | 851 |
| Net charge-offs to loans | 0.0205% | 4,117 |
| Credit loss provision to net charge-offs | 128.5714% | 1,796 |
| Earnings coverage of net charge-offs (x) | 85.9059% | 656 |
| Efficiency ratio | 71.7121% | 3,232 |
| Assets per employee ($millions) | 3.5079% | 4,851 |
| Cash dividends to net income (ytd only)* | 29.8366% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 5,741 |
| Loan loss allowance to noncurrent loans | 309.7826% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 5,408 |
| Noncurrent loans to loans | 0.2748% | 5,086 |
| Net loans and leases to total assets | 73.5867% | 1,588 |
| Net loans and leases to deposits | 85.6790% | 1,940 |
| Net loans and leases to core deposits | 88.9417% | 2,336 |
| Total domestic deposits to total assets | 85.8865% | 2,909 |
| Equity capital to assets | 9.3367% | 4,995 |
| Core capital (leverage) ratio | 9.5809% | 4,272 |
| Tier 1 risk-based capital ratio | 12.9841% | 4,875 |
| Total risk-based capital ratio | 13.8681% | 5,016 |
| Memoranda: | ||
| Average total assets | $309,744,500 | 2,112 |
| Average earning assets | $285,287,750 | 2,106 |
| Average equity | $28,448,000 | 2,388 |
| Average total loans | $227,212,250 | 1,855 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 1,557 |
| Cost of funding earning assets | 0.4394% | 3,447 |
| Net interest margin | 4.1517% | 1,379 |
| Noninterest income to average assets | 0.7616% | 2,000 |
| Noninterest expense to average assets | 3.3150% | 1,882 |
| Loan and lease loss provision to assets | 0.0292% | 3,688 |
| Net operating income to assets | 1.2425% | 1,468 |
| Return on assets (ROA) | 1.1886% | 1,697 |
| Pretax return on assets | 1.1886% | 2,712 |
| Return on Equity (ROE) | 13.0155% | 1,173 |
| Retained earnings to average equity (ytd only) | 9.0945% | 958 |
| Net charge-offs to loans | 0.0231% | 3,743 |
| Credit loss provision to net charge-offs | 173.0769% | 1,318 |
| Earnings coverage of net charge-offs (x) | 75.2692% | 699 |
| Efficiency ratio | 72.2726% | 3,284 |
| Assets per employee ($millions) | 3.4856% | 4,880 |
| Cash dividends to net income (ytd only)* | 30.1258% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 5,762 |
| Loan loss allowance to noncurrent loans | 272.5170% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 5,390 |
| Noncurrent loans to loans | 0.3249% | 5,037 |
| Net loans and leases to total assets | 72.2879% | 1,688 |
| Net loans and leases to deposits | 79.9762% | 2,519 |
| Net loans and leases to core deposits | 83.2090% | 2,827 |
| Total domestic deposits to total assets | 90.3868% | 625 |
| Equity capital to assets | 9.2696% | 5,012 |
| Core capital (leverage) ratio | 9.1760% | 4,774 |
| Tier 1 risk-based capital ratio | 13.0994% | 4,853 |
| Total risk-based capital ratio | 14.0190% | 4,997 |
| Memoranda: | ||
| Average total assets | $307,755,330 | 2,121 |
| Average earning assets | $283,547,000 | 2,111 |
| Average equity | $28,105,000 | 2,404 |
| Average total loans | $224,844,000 | 1,866 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 1,234 |
| Cost of funding earning assets | 0.4450% | 3,483 |
| Net interest margin | 4.2654% | 1,071 |
| Noninterest income to average assets | 0.5337% | 3,161 |
| Noninterest expense to average assets | 3.2624% | 2,036 |
| Loan and lease loss provision to assets | 0.0587% | 2,944 |
| Net operating income to assets | 1.1523% | 1,620 |
| Return on assets (ROA) | 1.1523% | 1,693 |
| Pretax return on assets | 1.1523% | 2,685 |
| Return on Equity (ROE) | 12.7144% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.8842% | 1,286 |
| Net charge-offs to loans | 0.0089% | 3,447 |
| Credit loss provision to net charge-offs | 900.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 185.6000% | 264 |
| Efficiency ratio | 72.9288% | 3,318 |
| Assets per employee ($millions) | 3.5127% | 4,893 |
| Cash dividends to net income (ytd only)* | 30.1246% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 5,891 |
| Loan loss allowance to noncurrent loans | 219.5228% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 5,244 |
| Noncurrent loans to loans | 0.4054% | 4,919 |
| Net loans and leases to total assets | 71.2931% | 1,683 |
| Net loans and leases to deposits | 78.6293% | 2,469 |
| Net loans and leases to core deposits | 81.9160% | 2,744 |
| Total domestic deposits to total assets | 90.6698% | 698 |
| Equity capital to assets | 8.8728% | 5,252 |
| Core capital (leverage) ratio | 9.0387% | 4,953 |
| Tier 1 risk-based capital ratio | 12.7642% | 5,151 |
| Total risk-based capital ratio | 13.6912% | 5,286 |
| Memoranda: | ||
| Average total assets | $306,524,000 | 2,136 |
| Average earning assets | $283,116,500 | 2,125 |
| Average equity | $27,779,500 | 2,420 |
| Average total loans | $224,139,500 | 1,872 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 914 |
| Cost of funding earning assets | 0.4936% | 3,669 |
| Net interest margin | 4.5131% | 720 |
| Noninterest income to average assets | 1.1368% | 1,085 |
| Noninterest expense to average assets | 3.9883% | 884 |
| Loan and lease loss provision to assets | 0.0661% | 3,808 |
| Net operating income to assets | 1.1964% | 1,582 |
| Return on assets (ROA) | 1.2557% | 1,432 |
| Pretax return on assets | 1.2557% | 2,334 |
| Return on Equity (ROE) | 13.3873% | 1,093 |
| Retained earnings to average equity (ytd only) | 5.4510% | 2,312 |
| Net charge-offs to loans | 0.0401% | 4,664 |
| Credit loss provision to net charge-offs | 219.1011% | 1,055 |
| Earnings coverage of net charge-offs (x) | 41.8652% | 914 |
| Efficiency ratio | 75.9566% | 2,778 |
| Assets per employee ($millions) | 3.2989% | 5,296 |
| Cash dividends to net income (ytd only)* | 59.2822% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 5,936 |
| Loan loss allowance to noncurrent loans | 570.4023% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 5,929 |
| Noncurrent loans to loans | 0.1576% | 5,722 |
| Net loans and leases to total assets | 73.7212% | 1,398 |
| Net loans and leases to deposits | 81.9996% | 2,180 |
| Net loans and leases to core deposits | 85.7807% | 2,474 |
| Total domestic deposits to total assets | 89.9044% | 1,129 |
| Equity capital to assets | 9.2650% | 4,726 |
| Core capital (leverage) ratio | 9.2264% | 4,679 |
| Tier 1 risk-based capital ratio | 13.1857% | 4,860 |
| Total risk-based capital ratio | 14.1461% | 4,996 |
| Memoranda: | ||
| Average total assets | $295,136,800 | 2,172 |
| Average earning assets | $269,036,800 | 2,191 |
| Average equity | $27,683,000 | 2,404 |
| Average total loans | $221,943,000 | 1,846 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 811 |
| Cost of funding earning assets | 0.5033% | 3,738 |
| Net interest margin | 4.5714% | 653 |
| Noninterest income to average assets | 1.1374% | 1,132 |
| Noninterest expense to average assets | 3.9425% | 918 |
| Loan and lease loss provision to assets | 0.0882% | 3,297 |
| Net operating income to assets | 1.2614% | 1,451 |
| Return on assets (ROA) | 1.2872% | 1,446 |
| Pretax return on assets | 1.2872% | 2,373 |
| Return on Equity (ROE) | 13.6808% | 1,074 |
| Retained earnings to average equity (ytd only) | 9.5116% | 906 |
| Net charge-offs to loans | 0.0480% | 4,221 |
| Credit loss provision to net charge-offs | 243.7500% | 1,014 |
| Earnings coverage of net charge-offs (x) | 37.2889% | 1,057 |
| Efficiency ratio | 74.4977% | 2,986 |
| Assets per employee ($millions) | 2.9848% | 5,873 |
| Cash dividends to net income (ytd only)* | 30.4745% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 6,061 |
| Loan loss allowance to noncurrent loans | 402.8283% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 5,897 |
| Noncurrent loans to loans | 0.2227% | 5,678 |
| Net loans and leases to total assets | 74.5574% | 1,203 |
| Net loans and leases to deposits | 82.9471% | 2,008 |
| Net loans and leases to core deposits | 86.3334% | 2,374 |
| Total domestic deposits to total assets | 89.8855% | 1,066 |
| Equity capital to assets | 9.6424% | 4,367 |
| Core capital (leverage) ratio | 9.3735% | 4,571 |
| Tier 1 risk-based capital ratio | 13.2764% | 4,918 |
| Total risk-based capital ratio | 14.2340% | 5,086 |
| Memoranda: | ||
| Average total assets | $294,695,750 | 2,192 |
| Average earning assets | $267,835,000 | 2,204 |
| Average equity | $27,726,750 | 2,432 |
| Average total loans | $222,212,750 | 1,844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,275 |
| Cost of funding earning assets | 0.5166% | 3,736 |
| Net interest margin | 4.3099% | 1,010 |
| Noninterest income to average assets | 1.3606% | 845 |
| Noninterest expense to average assets | 3.8427% | 1,045 |
| Loan and lease loss provision to assets | 0.1019% | 3,093 |
| Net operating income to assets | 1.3266% | 1,251 |
| Return on assets (ROA) | 1.3654% | 1,236 |
| Pretax return on assets | 1.3654% | 2,060 |
| Return on Equity (ROE) | 14.6334% | 884 |
| Retained earnings to average equity (ytd only) | 9.9449% | 857 |
| Net charge-offs to loans | 0.0531% | 3,932 |
| Credit loss provision to net charge-offs | 254.2373% | 984 |
| Earnings coverage of net charge-offs (x) | 35.6441% | 1,018 |
| Efficiency ratio | 72.8995% | 3,324 |
| Assets per employee ($millions) | 2.9767% | 5,888 |
| Cash dividends to net income (ytd only)* | 32.0398% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,209 |
| Loan loss allowance to noncurrent loans | 331.0924% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 5,301 |
| Noncurrent loans to loans | 0.2643% | 5,651 |
| Net loans and leases to total assets | 74.9651% | 1,111 |
| Net loans and leases to deposits | 83.1086% | 1,913 |
| Net loans and leases to core deposits | 87.0221% | 2,227 |
| Total domestic deposits to total assets | 90.2013% | 907 |
| Equity capital to assets | 9.2844% | 4,879 |
| Core capital (leverage) ratio | 9.0945% | 4,835 |
| Tier 1 risk-based capital ratio | 13.2715% | 4,938 |
| Total risk-based capital ratio | 14.2387% | 5,092 |
| Memoranda: | ||
| Average total assets | $294,428,670 | 2,199 |
| Average earning assets | $267,155,330 | 2,212 |
| Average equity | $27,471,330 | 2,457 |
| Average total loans | $222,180,670 | 1,840 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 1,257 |
| Cost of funding earning assets | 0.5519% | 3,557 |
| Net interest margin | 4.2616% | 1,044 |
| Noninterest income to average assets | 1.3306% | 872 |
| Noninterest expense to average assets | 3.6802% | 1,279 |
| Loan and lease loss provision to assets | 0.1229% | 2,692 |
| Net operating income to assets | 1.3989% | 1,025 |
| Return on assets (ROA) | 1.4767% | 976 |
| Pretax return on assets | 1.4767% | 1,628 |
| Return on Equity (ROE) | 15.7876% | 639 |
| Retained earnings to average equity (ytd only) | 10.7490% | 927 |
| Net charge-offs to loans | 0.0580% | 3,242 |
| Credit loss provision to net charge-offs | 281.2500% | 841 |
| Earnings coverage of net charge-offs (x) | 34.8125% | 884 |
| Efficiency ratio | 70.7458% | 3,841 |
| Assets per employee ($millions) | 3.0662% | 5,881 |
| Cash dividends to net income (ytd only)* | 31.9149% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 6,311 |
| Loan loss allowance to noncurrent loans | 399.3814% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 5,445 |
| Noncurrent loans to loans | 0.2193% | 5,862 |
| Net loans and leases to total assets | 72.9624% | 1,209 |
| Net loans and leases to deposits | 80.6953% | 1,990 |
| Net loans and leases to core deposits | 83.4308% | 2,401 |
| Total domestic deposits to total assets | 90.4172% | 809 |
| Equity capital to assets | 9.1921% | 5,265 |
| Core capital (leverage) ratio | 9.0277% | 4,841 |
| Tier 1 risk-based capital ratio | 12.9119% | 5,295 |
| Total risk-based capital ratio | 13.8592% | 5,459 |
| Memoranda: | ||
| Average total assets | $292,807,000 | 2,240 |
| Average earning assets | $266,002,000 | 2,245 |
| Average equity | $27,388,500 | 2,492 |
| Average total loans | $220,711,000 | 1,863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4371% | 703 |
| Cost of funding earning assets | 0.6319% | 4,083 |
| Net interest margin | 4.8052% | 533 |
| Noninterest income to average assets | 1.2429% | 1,007 |
| Noninterest expense to average assets | 3.9836% | 994 |
| Loan and lease loss provision to assets | 0.1988% | 3,151 |
| Net operating income to assets | 1.4456% | 1,014 |
| Return on assets (ROA) | 1.5376% | 934 |
| Pretax return on assets | 1.5376% | 1,567 |
| Return on Equity (ROE) | 15.6935% | 709 |
| Retained earnings to average equity (ytd only) | 4.3794% | 3,145 |
| Net charge-offs to loans | 0.1193% | 4,497 |
| Credit loss provision to net charge-offs | 220.2381% | 1,140 |
| Earnings coverage of net charge-offs (x) | 18.2183% | 1,453 |
| Efficiency ratio | 70.7822% | 3,660 |
| Assets per employee ($millions) | 2.8513% | 6,242 |
| Cash dividends to net income (ytd only)* | 72.0941% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,388 |
| Loan loss allowance to noncurrent loans | 407.5922% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 5,497 |
| Noncurrent loans to loans | 0.2093% | 5,950 |
| Net loans and leases to total assets | 76.5846% | 844 |
| Net loans and leases to deposits | 85.3685% | 1,597 |
| Net loans and leases to core deposits | 89.2929% | 1,923 |
| Total domestic deposits to total assets | 89.7106% | 1,121 |
| Equity capital to assets | 9.5241% | 4,841 |
| Core capital (leverage) ratio | 9.1856% | 4,609 |
| Tier 1 risk-based capital ratio | 12.9087% | 5,178 |
| Total risk-based capital ratio | 13.8538% | 5,345 |
| Memoranda: | ||
| Average total assets | $279,192,800 | 2,279 |
| Average earning assets | $254,786,400 | 2,276 |
| Average equity | $27,355,200 | 2,462 |
| Average total loans | $211,285,000 | 1,912 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 1,124 |
| Cost of funding earning assets | 0.6489% | 4,208 |
| Net interest margin | 4.5882% | 840 |
| Noninterest income to average assets | 1.3467% | 819 |
| Noninterest expense to average assets | 3.7468% | 1,296 |
| Loan and lease loss provision to assets | 0.2040% | 3,032 |
| Net operating income to assets | 1.5988% | 848 |
| Return on assets (ROA) | 1.7221% | 722 |
| Pretax return on assets | 1.7221% | 1,214 |
| Return on Equity (ROE) | 17.4514% | 558 |
| Retained earnings to average equity (ytd only) | 12.0218% | 525 |
| Net charge-offs to loans | 0.1359% | 4,031 |
| Credit loss provision to net charge-offs | 199.5305% | 1,394 |
| Earnings coverage of net charge-offs (x) | 17.6293% | 1,612 |
| Efficiency ratio | 67.5145% | 4,173 |
| Assets per employee ($millions) | 2.7940% | 6,362 |
| Cash dividends to net income (ytd only)* | 31.1123% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,550 |
| Loan loss allowance to noncurrent loans | 380.4255% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 5,685 |
| Noncurrent loans to loans | 0.2167% | 6,069 |
| Net loans and leases to total assets | 76.2184% | 944 |
| Net loans and leases to deposits | 85.3494% | 1,681 |
| Net loans and leases to core deposits | 88.9611% | 2,108 |
| Total domestic deposits to total assets | 89.3016% | 1,240 |
| Equity capital to assets | 10.1452% | 4,285 |
| Core capital (leverage) ratio | 9.6128% | 4,102 |
| Tier 1 risk-based capital ratio | 14.0262% | 4,500 |
| Total risk-based capital ratio | 14.9530% | 4,703 |
| Memoranda: | ||
| Average total assets | $277,708,750 | 2,315 |
| Average earning assets | $254,384,750 | 2,303 |
| Average equity | $27,405,000 | 2,467 |
| Average total loans | $209,045,250 | 1,948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 902 |
| Cost of funding earning assets | 0.6576% | 4,381 |
| Net interest margin | 4.7252% | 640 |
| Noninterest income to average assets | 1.1498% | 1,074 |
| Noninterest expense to average assets | 3.7037% | 1,362 |
| Loan and lease loss provision to assets | 0.2245% | 2,835 |
| Net operating income to assets | 1.5611% | 894 |
| Return on assets (ROA) | 1.7494% | 690 |
| Pretax return on assets | 1.7494% | 1,140 |
| Return on Equity (ROE) | 17.8983% | 521 |
| Retained earnings to average equity (ytd only) | 12.5644% | 497 |
| Net charge-offs to loans | 0.2296% | 3,192 |
| Credit loss provision to net charge-offs | 130.8017% | 2,095 |
| Earnings coverage of net charge-offs (x) | 10.4051% | 2,049 |
| Efficiency ratio | 67.4713% | 4,240 |
| Assets per employee ($millions) | 2.9697% | 6,127 |
| Cash dividends to net income (ytd only)* | 29.8013% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 6,729 |
| Loan loss allowance to noncurrent loans | 250.9893% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 5,595 |
| Noncurrent loans to loans | 0.3074% | 5,940 |
| Net loans and leases to total assets | 75.1716% | 1,081 |
| Net loans and leases to deposits | 84.5477% | 1,782 |
| Net loans and leases to core deposits | 87.8577% | 2,220 |
| Total domestic deposits to total assets | 88.9102% | 1,569 |
| Equity capital to assets | 9.8368% | 4,563 |
| Core capital (leverage) ratio | 9.3583% | 4,357 |
| Tier 1 risk-based capital ratio | 13.8539% | 4,553 |
| Total risk-based capital ratio | 14.7231% | 4,809 |
| Memoranda: | ||
| Average total assets | $276,214,000 | 2,326 |
| Average earning assets | $253,659,000 | 2,323 |
| Average equity | $26,997,000 | 2,486 |
| Average total loans | $206,436,670 | 1,971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 1,328 |
| Cost of funding earning assets | 0.6769% | 4,495 |
| Net interest margin | 4.5182% | 978 |
| Noninterest income to average assets | 1.0949% | 1,193 |
| Noninterest expense to average assets | 3.5776% | 1,611 |
| Loan and lease loss provision to assets | 0.3220% | 1,950 |
| Net operating income to assets | 1.3379% | 1,356 |
| Return on assets (ROA) | 1.7185% | 776 |
| Pretax return on assets | 1.7185% | 1,260 |
| Return on Equity (ROE) | 17.6412% | 589 |
| Retained earnings to average equity (ytd only) | 12.8327% | 709 |
| Net charge-offs to loans | 0.0888% | 3,628 |
| Credit loss provision to net charge-offs | 488.8889% | 664 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,035 |
| Efficiency ratio | 68.3063% | 4,117 |
| Assets per employee ($millions) | 2.9687% | 6,217 |
| Cash dividends to net income (ytd only)* | 27.2572% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 6,672 |
| Loan loss allowance to noncurrent loans | 388.0266% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 5,878 |
| Noncurrent loans to loans | 0.2159% | 6,256 |
| Net loans and leases to total assets | 73.4539% | 1,143 |
| Net loans and leases to deposits | 81.5789% | 1,991 |
| Net loans and leases to core deposits | 84.5178% | 2,474 |
| Total domestic deposits to total assets | 90.0403% | 1,063 |
| Equity capital to assets | 9.5715% | 4,689 |
| Core capital (leverage) ratio | 9.2787% | 4,397 |
| Tier 1 risk-based capital ratio | 13.2246% | 5,053 |
| Total risk-based capital ratio | 14.1343% | 5,275 |
| Memoranda: | ||
| Average total assets | $273,259,000 | 2,359 |
| Average earning assets | $250,542,000 | 2,358 |
| Average equity | $26,619,500 | 2,511 |
| Average total loans | $202,792,000 | 2,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 831 |
| Cost of funding earning assets | 0.8611% | 4,385 |
| Net interest margin | 4.8082% | 610 |
| Noninterest income to average assets | 1.0480% | 1,223 |
| Noninterest expense to average assets | 3.6868% | 1,561 |
| Loan and lease loss provision to assets | 0.3292% | 3,048 |
| Net operating income to assets | 1.4110% | 1,009 |
| Return on assets (ROA) | 1.4921% | 915 |
| Pretax return on assets | 1.5199% | 1,416 |
| Return on Equity (ROE) | 17.1632% | 460 |
| Retained earnings to average equity (ytd only) | 8.1961% | 1,019 |
| Net charge-offs to loans | 0.1849% | 4,667 |
| Credit loss provision to net charge-offs | 247.0588% | 981 |
| Earnings coverage of net charge-offs (x) | 13.2559% | 1,554 |
| Efficiency ratio | 67.5147% | 4,462 |
| Assets per employee ($millions) | 2.8749% | 6,329 |
| Cash dividends to net income (ytd only)* | 52.2459% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 6,733 |
| Loan loss allowance to noncurrent loans | 393.0175% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 5,937 |
| Noncurrent loans to loans | 0.2039% | 6,340 |
| Net loans and leases to total assets | 73.7637% | 1,316 |
| Net loans and leases to deposits | 82.5498% | 2,127 |
| Net loans and leases to core deposits | 85.7917% | 2,658 |
| Total domestic deposits to total assets | 89.3566% | 1,329 |
| Equity capital to assets | 9.9228% | 4,269 |
| Core capital (leverage) ratio | 9.3621% | 4,235 |
| Tier 1 risk-based capital ratio | 13.7067% | 4,549 |
| Total risk-based capital ratio | 14.5896% | 4,789 |
| Memoranda: | ||
| Average total assets | $255,150,200 | 2,469 |
| Average earning assets | $233,766,800 | 2,461 |
| Average equity | $22,181,200 | 2,871 |
| Average total loans | $183,889,400 | 2,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 744 |
| Cost of funding earning assets | 0.9026% | 4,377 |
| Net interest margin | 4.8658% | 550 |
| Noninterest income to average assets | 0.9393% | 1,518 |
| Noninterest expense to average assets | 3.3853% | 2,235 |
| Loan and lease loss provision to assets | 0.3665% | 2,657 |
| Net operating income to assets | 1.6481% | 708 |
| Return on assets (ROA) | 1.6940% | 702 |
| Pretax return on assets | 1.6940% | 1,159 |
| Return on Equity (ROE) | 20.2339% | 292 |
| Retained earnings to average equity (ytd only) | 14.1549% | 287 |
| Net charge-offs to loans | 0.2420% | 3,910 |
| Credit loss provision to net charge-offs | 211.8902% | 1,368 |
| Earnings coverage of net charge-offs (x) | 11.6464% | 1,790 |
| Efficiency ratio | 62.6917% | 5,294 |
| Assets per employee ($millions) | 3.0949% | 5,911 |
| Cash dividends to net income (ytd only)* | 30.0435% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 6,904 |
| Loan loss allowance to noncurrent loans | 1,759.7561% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 6,311 |
| Noncurrent loans to loans | 0.0424% | 6,836 |
| Net loans and leases to total assets | 72.9812% | 1,512 |
| Net loans and leases to deposits | 80.3980% | 2,601 |
| Net loans and leases to core deposits | 83.1243% | 3,168 |
| Total domestic deposits to total assets | 90.7749% | 525 |
| Equity capital to assets | 8.7514% | 6,030 |
| Core capital (leverage) ratio | 8.1386% | 6,230 |
| Tier 1 risk-based capital ratio | 11.2888% | 6,372 |
| Total risk-based capital ratio | 12.0644% | 6,634 |
| Memoranda: | ||
| Average total assets | $252,814,750 | 2,504 |
| Average earning assets | $231,763,750 | 2,487 |
| Average equity | $21,165,250 | 2,987 |
| Average total loans | $180,693,000 | 2,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8505% | 651 |
| Cost of funding earning assets | 0.9414% | 4,384 |
| Net interest margin | 4.9090% | 480 |
| Noninterest income to average assets | 0.4691% | 4,118 |
| Noninterest expense to average assets | 3.3007% | 2,560 |
| Loan and lease loss provision to assets | 0.2085% | 3,835 |
| Net operating income to assets | 1.4635% | 953 |
| Return on assets (ROA) | 1.5333% | 884 |
| Pretax return on assets | 1.5333% | 1,424 |
| Return on Equity (ROE) | 18.6116% | 413 |
| Retained earnings to average equity (ytd only) | 13.4331% | 360 |
| Net charge-offs to loans | 0.2154% | 3,842 |
| Credit loss provision to net charge-offs | 136.8421% | 2,230 |
| Earnings coverage of net charge-offs (x) | 10.9737% | 1,752 |
| Efficiency ratio | 66.3764% | 4,806 |
| Assets per employee ($millions) | 3.1281% | 5,811 |
| Cash dividends to net income (ytd only)* | 27.8243% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 7,121 |
| Loan loss allowance to noncurrent loans | 249.1304% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 6,268 |
| Noncurrent loans to loans | 0.2478% | 6,422 |
| Net loans and leases to total assets | 71.9104% | 1,803 |
| Net loans and leases to deposits | 79.1223% | 2,951 |
| Net loans and leases to core deposits | 81.5287% | 3,577 |
| Total domestic deposits to total assets | 90.8851% | 548 |
| Equity capital to assets | 8.4314% | 6,261 |
| Core capital (leverage) ratio | 7.8290% | 6,484 |
| Tier 1 risk-based capital ratio | 12.1057% | 5,707 |
| Total risk-based capital ratio | 12.7946% | 6,129 |
| Memoranda: | ||
| Average total assets | $249,398,000 | 2,558 |
| Average earning assets | $228,802,330 | 2,542 |
| Average equity | $20,546,330 | 3,058 |
| Average total loans | $176,447,000 | 2,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9032% | 590 |
| Cost of funding earning assets | 0.9691% | 4,431 |
| Net interest margin | 4.9342% | 431 |
| Noninterest income to average assets | 0.4003% | 4,696 |
| Noninterest expense to average assets | 3.4054% | 2,270 |
| Loan and lease loss provision to assets | 0.1302% | 4,374 |
| Net operating income to assets | 1.3797% | 1,095 |
| Return on assets (ROA) | 1.3797% | 1,148 |
| Pretax return on assets | 1.3797% | 1,781 |
| Return on Equity (ROE) | 16.9549% | 577 |
| Retained earnings to average equity (ytd only) | 11.8364% | 759 |
| Net charge-offs to loans | 0.0931% | 4,007 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,027 |
| Efficiency ratio | 69.2817% | 4,417 |
| Assets per employee ($millions) | 3.2257% | 5,656 |
| Cash dividends to net income (ytd only)* | 30.1887% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 7,161 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 6,366 |
| Noncurrent loans to loans | 0.2460% | 6,494 |
| Net loans and leases to total assets | 67.6246% | 2,632 |
| Net loans and leases to deposits | 73.6837% | 3,809 |
| Net loans and leases to core deposits | 75.9682% | 4,309 |
| Total domestic deposits to total assets | 91.7769% | 342 |
| Equity capital to assets | 7.9053% | 6,591 |
| Core capital (leverage) ratio | 7.7492% | 6,509 |
| Tier 1 risk-based capital ratio | 11.6377% | 5,995 |
| Total risk-based capital ratio | 12.3091% | 6,445 |
| Memoranda: | ||
| Average total assets | $245,845,000 | 2,602 |
| Average earning assets | $224,961,500 | 2,601 |
| Average equity | $20,006,000 | 3,115 |
| Average total loans | $171,871,000 | 2,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4345% | 353 |
| Cost of funding earning assets | 1.2811% | 4,013 |
| Net interest margin | 5.1534% | 317 |
| Noninterest income to average assets | 0.4482% | 4,526 |
| Noninterest expense to average assets | 3.6684% | 1,774 |
| Loan and lease loss provision to assets | 0.0882% | 6,269 |
| Net operating income to assets | 1.0447% | 1,892 |
| Return on assets (ROA) | 1.0866% | 1,825 |
| Pretax return on assets | 1.4340% | 1,553 |
| Return on Equity (ROE) | 13.1122% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.8516% | 744 |
| Net charge-offs to loans | 0.0527% | 6,264 |
| Credit loss provision to net charge-offs | 238.8235% | 1,213 |
| Earnings coverage of net charge-offs (x) | 39.7412% | 586 |
| Efficiency ratio | 71.3319% | 3,928 |
| Assets per employee ($millions) | 2.9205% | 6,272 |
| Cash dividends to net income (ytd only)* | 32.4940% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 7,212 |
| Loan loss allowance to noncurrent loans | 2,289.3617% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 6,720 |
| Noncurrent loans to loans | 0.0280% | 7,067 |
| Net loans and leases to total assets | 71.4967% | 2,201 |
| Net loans and leases to deposits | 78.8875% | 3,357 |
| Net loans and leases to core deposits | 81.4148% | 3,992 |
| Total domestic deposits to total assets | 90.6312% | 779 |
| Equity capital to assets | 8.3943% | 6,009 |
| Core capital (leverage) ratio | 8.0669% | 6,079 |
| Tier 1 risk-based capital ratio | 12.2285% | 5,274 |
| Total risk-based capital ratio | 12.9301% | 5,747 |
| Memoranda: | ||
| Average total assets | $230,264,800 | 2,754 |
| Average earning assets | $209,434,600 | 2,763 |
| Average equity | $19,081,400 | 3,271 |
| Average total loans | $161,146,600 | 2,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4539% | 373 |
| Cost of funding earning assets | 1.3475% | 3,915 |
| Net interest margin | 5.1064% | 350 |
| Noninterest income to average assets | 0.4132% | 4,853 |
| Noninterest expense to average assets | 3.4515% | 2,156 |
| Loan and lease loss provision to assets | 0.0744% | 6,313 |
| Net operating income to assets | 1.1350% | 1,783 |
| Return on assets (ROA) | 1.1896% | 1,713 |
| Pretax return on assets | 1.6081% | 1,329 |
| Return on Equity (ROE) | 14.4034% | 952 |
| Retained earnings to average equity (ytd only) | 14.4034% | 246 |
| Net charge-offs to loans | 0.0268% | 6,298 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 86.4910% | 356 |
| Efficiency ratio | 68.2095% | 4,425 |
| Assets per employee ($millions) | 2.9083% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 7,329 |
| Loan loss allowance to noncurrent loans | 296.0674% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 6,553 |
| Noncurrent loans to loans | 0.2088% | 6,762 |
| Net loans and leases to total assets | 72.8255% | 2,050 |
| Net loans and leases to deposits | 80.2357% | 3,407 |
| Net loans and leases to core deposits | 82.6586% | 4,140 |
| Total domestic deposits to total assets | 90.7645% | 529 |
| Equity capital to assets | 8.6953% | 6,023 |
| Core capital (leverage) ratio | 8.1153% | 6,174 |
| Tier 1 risk-based capital ratio | 12.0259% | 5,436 |
| Total risk-based capital ratio | 12.6895% | 5,971 |
| Memoranda: | ||
| Average total assets | $229,422,000 | 2,794 |
| Average earning assets | $208,777,250 | 2,806 |
| Average equity | $18,948,750 | 3,327 |
| Average total loans | $159,403,750 | 2,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 884 |
| Cost of funding earning assets | 1.3916% | 3,929 |
| Net interest margin | 4.6347% | 920 |
| Noninterest income to average assets | 0.3941% | 4,954 |
| Noninterest expense to average assets | 3.3634% | 2,363 |
| Loan and lease loss provision to assets | 0.0727% | 6,218 |
| Net operating income to assets | 0.9165% | 2,490 |
| Return on assets (ROA) | 0.9985% | 2,284 |
| Pretax return on assets | 1.2727% | 2,178 |
| Return on Equity (ROE) | 12.3101% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.3101% | 447 |
| Net charge-offs to loans | 0.0270% | 5,953 |
| Credit loss provision to net charge-offs | 395.2381% | 918 |
| Earnings coverage of net charge-offs (x) | 67.4286% | 464 |
| Efficiency ratio | 73.0594% | 3,648 |
| Assets per employee ($millions) | 2.9291% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 7,387 |
| Loan loss allowance to noncurrent loans | 276.4228% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 6,587 |
| Noncurrent loans to loans | 0.2230% | 6,800 |
| Net loans and leases to total assets | 70.1938% | 2,861 |
| Net loans and leases to deposits | 78.2265% | 3,927 |
| Net loans and leases to core deposits | 81.4708% | 4,497 |
| Total domestic deposits to total assets | 89.7314% | 1,059 |
| Equity capital to assets | 8.2154% | 6,525 |
| Core capital (leverage) ratio | 7.7573% | 6,548 |
| Tier 1 risk-based capital ratio | 11.4586% | 5,810 |
| Total risk-based capital ratio | 12.1011% | 6,389 |
| Memoranda: | ||
| Average total assets | $228,340,330 | 2,836 |
| Average earning assets | $207,391,670 | 2,842 |
| Average equity | $18,521,330 | 3,372 |
| Average total loans | $155,706,670 | 2,748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7349% | 1,658 |
| Cost of funding earning assets | 1.4646% | 3,779 |
| Net interest margin | 4.2704% | 1,782 |
| Noninterest income to average assets | 0.3887% | 5,013 |
| Noninterest expense to average assets | 3.4205% | 2,180 |
| Loan and lease loss provision to assets | 0.0639% | 6,004 |
| Net operating income to assets | 0.6699% | 3,573 |
| Return on assets (ROA) | 0.6852% | 3,617 |
| Pretax return on assets | 0.7934% | 3,895 |
| Return on Equity (ROE) | 8.5038% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5038% | 1,532 |
| Net charge-offs to loans | 0.0451% | 4,963 |
| Credit loss provision to net charge-offs | 211.7647% | 1,758 |
| Earnings coverage of net charge-offs (x) | 27.8235% | 919 |
| Efficiency ratio | 80.2917% | 2,519 |
| Assets per employee ($millions) | 3.0042% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6446% | 7,436 |
| Loan loss allowance to noncurrent loans | 267.6712% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 6,672 |
| Noncurrent loans to loans | 0.2408% | 6,860 |
| Net loans and leases to total assets | 63.4544% | 4,438 |
| Net loans and leases to deposits | 68.9951% | 5,470 |
| Net loans and leases to core deposits | 71.6403% | 5,750 |
| Total domestic deposits to total assets | 91.9693% | 250 |
| Equity capital to assets | 7.7370% | 6,899 |
| Core capital (leverage) ratio | 7.6239% | 6,706 |
| Tier 1 risk-based capital ratio | 11.9598% | 5,239 |
| Total risk-based capital ratio | 12.6298% | 5,756 |
| Memoranda: | ||
| Average total assets | $225,347,000 | 2,928 |
| Average earning assets | $204,291,500 | 2,935 |
| Average equity | $18,156,500 | 3,456 |
| Average total loans | $150,808,500 | 2,880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 2,216 |
| Cost of funding earning assets | 1.6610% | 4,724 |
| Net interest margin | 4.2429% | 1,924 |
| Noninterest income to average assets | 0.4632% | 4,690 |
| Noninterest expense to average assets | 3.1244% | 3,637 |
| Loan and lease loss provision to assets | 0.1084% | 6,562 |
| Net operating income to assets | 0.8443% | 2,374 |
| Return on assets (ROA) | 0.9799% | 1,962 |
| Pretax return on assets | 1.3235% | 1,629 |
| Return on Equity (ROE) | 11.3561% | 1,335 |
| Retained earnings to average equity (ytd only) | 6.7765% | 1,046 |
| Net charge-offs to loans | 0.1572% | 5,701 |
| Credit loss provision to net charge-offs | 108.2524% | 5,114 |
| Earnings coverage of net charge-offs (x) | 12.4709% | 1,511 |
| Efficiency ratio | 71.4460% | 4,363 |
| Assets per employee ($millions) | 2.8449% | 6,572 |
| Cash dividends to net income (ytd only)* | 40.3274% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 7,494 |
| Loan loss allowance to noncurrent loans | 158.8723% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,108 |
| Noncurrent loans to loans | 0.4019% | 6,475 |
| Net loans and leases to total assets | 69.8738% | 3,282 |
| Net loans and leases to deposits | 76.9513% | 4,578 |
| Net loans and leases to core deposits | 97.0802% | 4,340 |
| Total domestic deposits to total assets | 90.8027% | 618 |
| Equity capital to assets | 8.4132% | 6,039 |
| Core capital (leverage) ratio | 7.9341% | 6,280 |
| Tier 1 risk-based capital ratio | 10.7627% | 6,143 |
| Total risk-based capital ratio | 11.3673% | 6,741 |
| Memoranda: | ||
| Average total assets | $205,736,200 | 3,111 |
| Average earning assets | $189,585,200 | 3,096 |
| Average equity | $17,752,600 | 3,538 |
| Average total loans | $131,047,600 | 3,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8155% | 2,820 |
| Cost of funding earning assets | 1.7053% | 4,871 |
| Net interest margin | 4.1102% | 2,355 |
| Noninterest income to average assets | 0.4370% | 4,983 |
| Noninterest expense to average assets | 2.7977% | 4,908 |
| Loan and lease loss provision to assets | 0.1164% | 6,203 |
| Net operating income to assets | 0.9443% | 2,251 |
| Return on assets (ROA) | 1.0957% | 1,803 |
| Pretax return on assets | 1.5405% | 1,301 |
| Return on Equity (ROE) | 12.6153% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.6153% | 293 |
| Net charge-offs to loans | 0.1921% | 4,859 |
| Credit loss provision to net charge-offs | 97.8022% | 5,229 |
| Earnings coverage of net charge-offs (x) | 12.1264% | 1,790 |
| Efficiency ratio | 65.9624% | 5,369 |
| Assets per employee ($millions) | 3.2065% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 7,322 |
| Loan loss allowance to noncurrent loans | 87.5701% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 5,643 |
| Noncurrent loans to loans | 0.8219% | 5,654 |
| Net loans and leases to total assets | 62.0155% | 5,240 |
| Net loans and leases to deposits | 68.4706% | 6,089 |
| Net loans and leases to core deposits | 85.5652% | 5,908 |
| Total domestic deposits to total assets | 90.5725% | 556 |
| Equity capital to assets | 8.9991% | 5,480 |
| Core capital (leverage) ratio | 8.8150% | 4,952 |
| Tier 1 risk-based capital ratio | 13.4896% | 3,857 |
| Total risk-based capital ratio | 14.1831% | 4,172 |
| Memoranda: | ||
| Average total assets | $203,828,750 | 3,162 |
| Average earning assets | $188,665,000 | 3,129 |
| Average equity | $17,703,000 | 3,579 |
| Average total loans | $126,298,250 | 3,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 2,882 |
| Cost of funding earning assets | 1.7459% | 5,039 |
| Net interest margin | 4.0886% | 2,360 |
| Noninterest income to average assets | 0.4310% | 5,015 |
| Noninterest expense to average assets | 2.7563% | 5,147 |
| Loan and lease loss provision to assets | 0.0573% | 6,645 |
| Net operating income to assets | 0.9979% | 2,111 |
| Return on assets (ROA) | 1.1537% | 1,682 |
| Pretax return on assets | 1.6224% | 1,165 |
| Return on Equity (ROE) | 13.4509% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.4509% | 285 |
| Net charge-offs to loans | 0.1008% | 5,151 |
| Credit loss provision to net charge-offs | 92.0635% | 4,861 |
| Earnings coverage of net charge-offs (x) | 23.4444% | 1,183 |
| Efficiency ratio | 65.3693% | 5,648 |
| Assets per employee ($millions) | 3.4009% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,318 |
| Loan loss allowance to noncurrent loans | 463.3663% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 6,467 |
| Noncurrent loans to loans | 0.1606% | 7,122 |
| Net loans and leases to total assets | 61.1807% | 5,488 |
| Net loans and leases to deposits | 67.4525% | 6,253 |
| Net loans and leases to core deposits | 84.3509% | 6,069 |
| Total domestic deposits to total assets | 90.7019% | 557 |
| Equity capital to assets | 8.8487% | 5,525 |
| Core capital (leverage) ratio | 8.6067% | 5,253 |
| Tier 1 risk-based capital ratio | 13.3753% | 3,884 |
| Total risk-based capital ratio | 14.0818% | 4,182 |
| Memoranda: | ||
| Average total assets | $202,297,670 | 3,201 |
| Average earning assets | $187,301,000 | 3,179 |
| Average equity | $17,352,000 | 3,647 |
| Average total loans | $125,000,670 | 3,439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8015% | 3,297 |
| Cost of funding earning assets | 1.8225% | 5,009 |
| Net interest margin | 3.9790% | 2,732 |
| Noninterest income to average assets | 0.4190% | 5,065 |
| Noninterest expense to average assets | 2.6810% | 5,097 |
| Loan and lease loss provision to assets | 0.0596% | 6,211 |
| Net operating income to assets | 1.0043% | 2,296 |
| Return on assets (ROA) | 1.3306% | 1,410 |
| Pretax return on assets | 1.8092% | 963 |
| Return on Equity (ROE) | 15.7647% | 857 |
| Retained earnings to average equity (ytd only) | 15.7647% | 359 |
| Net charge-offs to loans | 0.0193% | 5,296 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 119.8333% | 364 |
| Efficiency ratio | 65.2489% | 5,463 |
| Assets per employee ($millions) | 3.4559% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 7,268 |
| Loan loss allowance to noncurrent loans | 147.3282% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 6,504 |
| Noncurrent loans to loans | 0.5194% | 6,130 |
| Net loans and leases to total assets | 60.3571% | 5,597 |
| Net loans and leases to deposits | 66.1828% | 6,363 |
| Net loans and leases to core deposits | 82.3232% | 6,208 |
| Total domestic deposits to total assets | 91.1975% | 353 |
| Equity capital to assets | 8.3646% | 6,292 |
| Core capital (leverage) ratio | 8.4786% | 5,581 |
| Tier 1 risk-based capital ratio | 12.9821% | 4,189 |
| Total risk-based capital ratio | 13.7094% | 4,495 |
| Memoranda: | ||
| Average total assets | $201,420,000 | 3,219 |
| Average earning assets | $186,780,000 | 3,198 |
| Average equity | $17,000,000 | 3,734 |
| Average total loans | $124,612,500 | 3,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3361% | 3,757 |
| Cost of funding earning assets | 2.3188% | 5,064 |
| Net interest margin | 4.0173% | 3,039 |
| Noninterest income to average assets | 0.5648% | 4,111 |
| Noninterest expense to average assets | 2.9193% | 4,383 |
| Loan and lease loss provision to assets | 0.0559% | 6,711 |
| Net operating income to assets | 0.9612% | 2,741 |
| Return on assets (ROA) | 0.9975% | 2,450 |
| Pretax return on assets | 1.3403% | 2,167 |
| Return on Equity (ROE) | 12.0349% | 1,584 |
| Retained earnings to average equity (ytd only) | 7.9371% | 862 |
| Net charge-offs to loans | 0.0182% | 6,612 |
| Credit loss provision to net charge-offs | 486.3636% | 901 |
| Earnings coverage of net charge-offs (x) | 117.1818% | 386 |
| Efficiency ratio | 68.4262% | 4,652 |
| Assets per employee ($millions) | 3.2047% | 5,471 |
| Cash dividends to net income (ytd only)* | 34.0492% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 7,223 |
| Loan loss allowance to noncurrent loans | 1,223.3766% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 7,305 |
| Noncurrent loans to loans | 0.0625% | 7,255 |
| Net loans and leases to total assets | 62.4930% | 5,539 |
| Net loans and leases to deposits | 68.9839% | 6,375 |
| Net loans and leases to core deposits | 87.5555% | 6,016 |
| Total domestic deposits to total assets | 90.5908% | 457 |
| Equity capital to assets | 8.5202% | 6,054 |
| Core capital (leverage) ratio | 8.4263% | 5,701 |
| Tier 1 risk-based capital ratio | 13.1631% | 4,020 |
| Total risk-based capital ratio | 13.9122% | 4,231 |
| Memoranda: | ||
| Average total assets | $191,378,600 | 3,251 |
| Average earning assets | $176,338,600 | 3,240 |
| Average equity | $15,862,200 | 3,958 |
| Average total loans | $120,979,000 | 3,443 |