Home > Manufacturers Bank & Trust Company > Performance and Condition Ratios
Manufacturers Bank & Trust Company, 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 | 4.3335% | 3,389 |
| Cost of funding earning assets | 1.2563% | 2,641 |
| Net interest margin | 3.0771% | 3,142 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.4276% | 2,505 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0117% | 2,177 |
| Return on assets (ROA) | 1.0207% | 2,131 |
| Pretax return on assets | 1.0293% | 2,588 |
| Return on Equity (ROE) | 14.0100% | 1,483 |
| Retained earnings to average equity (ytd only) | 6.4775% | 2,069 |
| Net charge-offs to loans | 0.0106% | 2,251 |
| Credit loss provision to net charge-offs | 766.6667% | 493 |
| Earnings coverage of net charge-offs (x) | 151.4815% | 703 |
| Efficiency ratio | 68.1206% | 2,095 |
| Assets per employee ($millions) | 6.8019% | 2,206 |
| Cash dividends to net income (ytd only)* | 53.7513% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 2,742 |
| Loan loss allowance to noncurrent loans | 436.3636% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,338 |
| Noncurrent loans to loans | 0.2563% | 2,266 |
| Net loans and leases to total assets | 68.9700% | 1,922 |
| Net loans and leases to deposits | 86.5021% | 1,583 |
| Net loans and leases to core deposits | 97.6787% | 1,558 |
| Total domestic deposits to total assets | 79.7300% | 3,511 |
| Equity capital to assets | 7.9562% | 3,452 |
| Core capital (leverage) ratio | 8.5486% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6981% | 2,655 |
| Memoranda: | ||
| Average total assets | $754,769,200 | 1,235 |
| Average earning assets | $702,274,600 | 1,227 |
| Average equity | $55,005,800 | 1,488 |
| Average total loans | $509,479,800 | 1,215 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 3,421 |
| Cost of funding earning assets | 1.0976% | 2,747 |
| Net interest margin | 3.1306% | 3,080 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.4330% | 2,428 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0404% | 2,247 |
| Return on assets (ROA) | 1.0158% | 2,304 |
| Pretax return on assets | 1.0247% | 2,785 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 6.3573% | 2,514 |
| Net charge-offs to loans | 0.0101% | 2,023 |
| Credit loss provision to net charge-offs | 663.1579% | 530 |
| Earnings coverage of net charge-offs (x) | 164.7632% | 686 |
| Efficiency ratio | 67.5627% | 2,064 |
| Assets per employee ($millions) | 6.3547% | 2,451 |
| Cash dividends to net income (ytd only)* | 55.4719% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,618 |
| Loan loss allowance to noncurrent loans | 350.0593% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,125 |
| Noncurrent loans to loans | 0.3285% | 2,054 |
| Net loans and leases to total assets | 68.2400% | 2,020 |
| Net loans and leases to deposits | 83.0044% | 1,824 |
| Net loans and leases to core deposits | 92.2649% | 1,776 |
| Total domestic deposits to total assets | 82.2100% | 3,175 |
| Equity capital to assets | 7.2195% | 3,504 |
| Core capital (leverage) ratio | 8.5592% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3451% | 2,763 |
| Memoranda: | ||
| Average total assets | $749,608,500 | 1,239 |
| Average earning assets | $698,212,750 | 1,227 |
| Average equity | $53,334,000 | 1,522 |
| Average total loans | $501,642,750 | 1,229 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 3,467 |
| Cost of funding earning assets | 0.9425% | 2,798 |
| Net interest margin | 3.1703% | 3,060 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.4248% | 2,419 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0770% | 2,187 |
| Return on assets (ROA) | 1.0401% | 2,282 |
| Pretax return on assets | 1.0494% | 2,779 |
| Return on Equity (ROE) | 14.6900% | 1,529 |
| Retained earnings to average equity (ytd only) | 7.5047% | 2,124 |
| Net charge-offs to loans | 0.0153% | 1,629 |
| Credit loss provision to net charge-offs | 631.5789% | 557 |
| Earnings coverage of net charge-offs (x) | 113.7895% | 871 |
| Efficiency ratio | 66.7634% | 2,146 |
| Assets per employee ($millions) | 6.2012% | 2,541 |
| Cash dividends to net income (ytd only)* | 48.9128% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,536 |
| Loan loss allowance to noncurrent loans | 302.6721% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 1,895 |
| Noncurrent loans to loans | 0.3904% | 1,754 |
| Net loans and leases to total assets | 66.2000% | 2,134 |
| Net loans and leases to deposits | 76.3462% | 2,276 |
| Net loans and leases to core deposits | 83.5071% | 2,237 |
| Total domestic deposits to total assets | 86.7100% | 2,019 |
| Equity capital to assets | 7.2434% | 3,666 |
| Core capital (leverage) ratio | 8.0168% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9942% | 2,847 |
| Memoranda: | ||
| Average total assets | $751,645,667 | 1,236 |
| Average earning assets | $700,876,000 | 1,223 |
| Average equity | $53,219,667 | 1,521 |
| Average total loans | $497,781,000 | 1,219 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,553 |
| Cost of funding earning assets | 0.8427% | 2,559 |
| Net interest margin | 3.1067% | 3,336 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.4332% | 2,431 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9752% | 2,607 |
| Return on assets (ROA) | 0.9018% | 2,804 |
| Pretax return on assets | 0.9124% | 3,204 |
| Return on Equity (ROE) | 12.8800% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.9956% | 2,217 |
| Net charge-offs to loans | 0.0064% | 1,717 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 247.8750% | 431 |
| Efficiency ratio | 68.7443% | 1,893 |
| Assets per employee ($millions) | 6.3936% | 2,414 |
| Cash dividends to net income (ytd only)* | 37.9331% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,736 |
| Loan loss allowance to noncurrent loans | 1,213.3891% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,157 |
| Noncurrent loans to loans | 0.0961% | 3,064 |
| Net loans and leases to total assets | 65.7200% | 2,092 |
| Net loans and leases to deposits | 73.5592% | 2,332 |
| Net loans and leases to core deposits | 80.0406% | 2,250 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 7.3060% | 3,668 |
| Core capital (leverage) ratio | 7.8160% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8019% | 2,968 |
| Memoranda: | ||
| Average total assets | $755,398,000 | 1,248 |
| Average earning assets | $704,415,500 | 1,235 |
| Average equity | $52,879,000 | 1,539 |
| Average total loans | $497,429,500 | 1,232 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 2,966 |
| Cost of funding earning assets | 0.2689% | 3,164 |
| Net interest margin | 3.2732% | 2,638 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4049% | 2,411 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.1323% | 2,044 |
| Return on assets (ROA) | 1.1353% | 1,975 |
| Pretax return on assets | 1.1756% | 2,518 |
| Return on Equity (ROE) | 14.9000% | 1,274 |
| Retained earnings to average equity (ytd only) | 3.9979% | 3,397 |
| Net charge-offs to loans | 0.0033% | 2,351 |
| Credit loss provision to net charge-offs | 4,660.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 614.8667% | 281 |
| Efficiency ratio | 64.2453% | 2,463 |
| Assets per employee ($millions) | 6.3562% | 2,458 |
| Cash dividends to net income (ytd only)* | 73.1645% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,680 |
| Loan loss allowance to noncurrent loans | 778.1122% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 2,873 |
| Noncurrent loans to loans | 0.1470% | 2,775 |
| Net loans and leases to total assets | 64.4700% | 2,198 |
| Net loans and leases to deposits | 75.2395% | 2,155 |
| Net loans and leases to core deposits | 79.4673% | 2,165 |
| Total domestic deposits to total assets | 85.6900% | 2,807 |
| Equity capital to assets | 6.7002% | 3,814 |
| Core capital (leverage) ratio | 7.9650% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3296% | 3,039 |
| Memoranda: | ||
| Average total assets | $727,018,800 | 1,276 |
| Average earning assets | $676,065,200 | 1,269 |
| Average equity | $55,403,800 | 1,492 |
| Average total loans | $449,685,000 | 1,273 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 2,712 |
| Cost of funding earning assets | 0.1778% | 3,540 |
| Net interest margin | 3.2913% | 2,323 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.4078% | 2,293 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1441% | 1,916 |
| Return on assets (ROA) | 1.1562% | 1,848 |
| Pretax return on assets | 1.1991% | 2,370 |
| Return on Equity (ROE) | 14.7000% | 1,239 |
| Retained earnings to average equity (ytd only) | 3.9991% | 3,444 |
| Net charge-offs to loans | -0.0015% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1934% | 2,519 |
| Assets per employee ($millions) | 6.5158% | 2,307 |
| Cash dividends to net income (ytd only)* | 72.7959% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,685 |
| Loan loss allowance to noncurrent loans | 1,190.1961% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,263 |
| Noncurrent loans to loans | 0.0985% | 3,173 |
| Net loans and leases to total assets | 62.5700% | 2,229 |
| Net loans and leases to deposits | 69.3498% | 2,427 |
| Net loans and leases to core deposits | 71.8009% | 2,497 |
| Total domestic deposits to total assets | 90.2300% | 1,556 |
| Equity capital to assets | 6.4839% | 3,746 |
| Core capital (leverage) ratio | 7.9249% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5952% | 3,092 |
| Memoranda: | ||
| Average total assets | $718,088,250 | 1,294 |
| Average earning assets | $667,516,250 | 1,287 |
| Average equity | $56,478,500 | 1,489 |
| Average total loans | $437,750,250 | 1,289 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3964% | 2,447 |
| Cost of funding earning assets | 0.1418% | 3,686 |
| Net interest margin | 3.2545% | 2,043 |
| Noninterest income to average assets | 0.6073% | 1,710 |
| Noninterest expense to average assets | 2.3895% | 2,259 |
| Loan and lease loss provision to assets | 0.0871% | 1,132 |
| Net operating income to assets | 1.1103% | 1,735 |
| Return on assets (ROA) | 1.1292% | 1,645 |
| Pretax return on assets | 1.1730% | 2,158 |
| Return on Equity (ROE) | 13.5373% | 1,229 |
| Retained earnings to average equity (ytd only) | 3.2934% | 3,353 |
| Net charge-offs to loans | -0.0014% | 3,073 |
| Credit loss provision to net charge-offs | -10,333.3333% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5129% | 2,705 |
| Assets per employee ($millions) | 6.6393% | 2,218 |
| Cash dividends to net income (ytd only)* | 75.6716% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,579 |
| Loan loss allowance to noncurrent loans | 579.0850% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,835 |
| Noncurrent loans to loans | 0.2109% | 2,659 |
| Net loans and leases to total assets | 58.3406% | 2,494 |
| Net loans and leases to deposits | 65.4844% | 2,591 |
| Net loans and leases to core deposits | 67.0169% | 2,735 |
| Total domestic deposits to total assets | 89.0909% | 2,141 |
| Equity capital to assets | 7.2302% | 3,642 |
| Core capital (leverage) ratio | 7.9599% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8580% | 3,030 |
| Memoranda: | ||
| Average total assets | $712,022,667 | 1,305 |
| Average earning assets | $661,297,667 | 1,307 |
| Average equity | $59,391,333 | 1,449 |
| Average total loans | $428,278,667 | 1,305 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 2,138 |
| Cost of funding earning assets | 0.1348% | 3,703 |
| Net interest margin | 3.2480% | 1,726 |
| Noninterest income to average assets | 0.5466% | 1,916 |
| Noninterest expense to average assets | 2.3632% | 2,289 |
| Loan and lease loss provision to assets | 0.0886% | 934 |
| Net operating income to assets | 1.0581% | 1,660 |
| Return on assets (ROA) | 1.0916% | 1,547 |
| Pretax return on assets | 1.1339% | 2,042 |
| Return on Equity (ROE) | 12.2284% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.6776% | 3,368 |
| Net charge-offs to loans | -0.0028% | 3,172 |
| Credit loss provision to net charge-offs | -5,166.6667% | 3,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1369% | 2,888 |
| Assets per employee ($millions) | 6.3881% | 2,460 |
| Cash dividends to net income (ytd only)* | 78.1037% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,936 |
| Loan loss allowance to noncurrent loans | 970.3008% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,322 |
| Noncurrent loans to loans | 0.1221% | 3,213 |
| Net loans and leases to total assets | 60.7049% | 1,990 |
| Net loans and leases to deposits | 69.2958% | 2,031 |
| Net loans and leases to core deposits | 70.9729% | 2,214 |
| Total domestic deposits to total assets | 87.6026% | 2,705 |
| Equity capital to assets | 8.1372% | 3,461 |
| Core capital (leverage) ratio | 8.0841% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1650% | 3,033 |
| Memoranda: | ||
| Average total assets | $699,553,000 | 1,322 |
| Average earning assets | $647,040,500 | 1,331 |
| Average equity | $62,445,000 | 1,439 |
| Average total loans | $424,786,000 | 1,309 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 2,282 |
| Cost of funding earning assets | 0.2483% | 2,951 |
| Net interest margin | 3.3918% | 2,055 |
| Noninterest income to average assets | 0.8646% | 1,292 |
| Noninterest expense to average assets | 2.3858% | 2,531 |
| Loan and lease loss provision to assets | 0.1291% | 949 |
| Net operating income to assets | 1.4061% | 1,260 |
| Return on assets (ROA) | 1.4445% | 1,224 |
| Pretax return on assets | 1.4935% | 1,749 |
| Return on Equity (ROE) | 12.5589% | 1,624 |
| Retained earnings to average equity (ytd only) | -1.6397% | 4,609 |
| Net charge-offs to loans | -0.0136% | 3,841 |
| Credit loss provision to net charge-offs | -1,544.4444% | 4,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6114% | 3,213 |
| Assets per employee ($millions) | 6.2165% | 2,559 |
| Cash dividends to net income (ytd only)* | 113.0563% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,846 |
| Loan loss allowance to noncurrent loans | 793.0269% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,298 |
| Noncurrent loans to loans | 0.1524% | 3,175 |
| Net loans and leases to total assets | 59.2673% | 2,234 |
| Net loans and leases to deposits | 69.3581% | 2,189 |
| Net loans and leases to core deposits | 71.4911% | 2,302 |
| Total domestic deposits to total assets | 85.4511% | 3,107 |
| Equity capital to assets | 9.7374% | 2,901 |
| Core capital (leverage) ratio | 8.1751% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4053% | 3,002 |
| Memoranda: | ||
| Average total assets | $538,181,400 | 1,604 |
| Average earning assets | $492,564,400 | 1,628 |
| Average equity | $61,900,200 | 1,478 |
| Average total loans | $329,673,600 | 1,593 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 2,488 |
| Cost of funding earning assets | 0.2929% | 2,660 |
| Net interest margin | 3.3306% | 2,337 |
| Noninterest income to average assets | 0.9556% | 1,143 |
| Noninterest expense to average assets | 2.2571% | 2,870 |
| Loan and lease loss provision to assets | 0.0200% | 2,598 |
| Net operating income to assets | 1.6635% | 897 |
| Return on assets (ROA) | 1.6635% | 938 |
| Pretax return on assets | 1.7184% | 1,367 |
| Return on Equity (ROE) | 13.7363% | 1,475 |
| Retained earnings to average equity (ytd only) | 8.7335% | 1,792 |
| Net charge-offs to loans | -0.0251% | 4,059 |
| Credit loss provision to net charge-offs | -129.3103% | 3,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3843% | 3,486 |
| Assets per employee ($millions) | 6.7819% | 2,029 |
| Cash dividends to net income (ytd only)* | 36.4204% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 3,407 |
| Loan loss allowance to noncurrent loans | 444.1414% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 3,136 |
| Noncurrent loans to loans | 0.2495% | 2,940 |
| Net loans and leases to total assets | 55.6343% | 2,771 |
| Net loans and leases to deposits | 66.0156% | 2,624 |
| Net loans and leases to core deposits | 68.2369% | 2,761 |
| Total domestic deposits to total assets | 84.2745% | 3,379 |
| Equity capital to assets | 10.3604% | 2,562 |
| Core capital (leverage) ratio | 8.7230% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $500,219,250 | 1,710 |
| Average earning assets | $456,568,000 | 1,741 |
| Average equity | $60,577,500 | 1,526 |
| Average total loans | $308,600,500 | 1,695 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 1,790 |
| Cost of funding earning assets | 0.3533% | 2,288 |
| Net interest margin | 3.5558% | 1,694 |
| Noninterest income to average assets | 1.1268% | 890 |
| Noninterest expense to average assets | 2.4953% | 2,159 |
| Loan and lease loss provision to assets | 0.0347% | 2,293 |
| Net operating income to assets | 1.7937% | 730 |
| Return on assets (ROA) | 1.7937% | 765 |
| Pretax return on assets | 1.8548% | 1,111 |
| Return on Equity (ROE) | 13.7311% | 1,500 |
| Retained earnings to average equity (ytd only) | 8.3351% | 1,966 |
| Net charge-offs to loans | -0.0408% | 4,279 |
| Credit loss provision to net charge-offs | -131.5789% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7913% | 3,433 |
| Assets per employee ($millions) | 6.0646% | 2,550 |
| Cash dividends to net income (ytd only)* | 39.2977% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 1,250 |
| Loan loss allowance to noncurrent loans | 1,019.9536% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,515 |
| Noncurrent loans to loans | 0.1578% | 3,421 |
| Net loans and leases to total assets | 60.7031% | 2,337 |
| Net loans and leases to deposits | 77.0307% | 1,724 |
| Net loans and leases to core deposits | 81.0160% | 1,799 |
| Total domestic deposits to total assets | 78.8037% | 4,363 |
| Equity capital to assets | 12.9956% | 944 |
| Core capital (leverage) ratio | 12.6393% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,853,000 | 1,903 |
| Average earning assets | $395,687,667 | 1,927 |
| Average equity | $56,412,000 | 1,611 |
| Average total loans | $279,202,000 | 1,840 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 2,187 |
| Cost of funding earning assets | 0.3948% | 2,141 |
| Net interest margin | 3.3748% | 2,173 |
| Noninterest income to average assets | 1.2251% | 823 |
| Noninterest expense to average assets | 2.5524% | 2,016 |
| Loan and lease loss provision to assets | 0.0422% | 2,219 |
| Net operating income to assets | 1.6631% | 1,004 |
| Return on assets (ROA) | 1.6631% | 1,051 |
| Pretax return on assets | 1.7176% | 1,451 |
| Return on Equity (ROE) | 12.6981% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.1762% | 2,518 |
| Net charge-offs to loans | -0.0992% | 4,636 |
| Credit loss provision to net charge-offs | -64.2857% | 2,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0820% | 3,148 |
| Assets per employee ($millions) | 6.0465% | 2,558 |
| Cash dividends to net income (ytd only)* | 43.4856% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 1,366 |
| Loan loss allowance to noncurrent loans | 1,008.9862% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 3,628 |
| Noncurrent loans to loans | 0.1557% | 3,553 |
| Net loans and leases to total assets | 63.0160% | 2,168 |
| Net loans and leases to deposits | 80.2469% | 1,496 |
| Net loans and leases to core deposits | 84.5333% | 1,627 |
| Total domestic deposits to total assets | 78.5276% | 4,383 |
| Equity capital to assets | 12.8467% | 959 |
| Core capital (leverage) ratio | 12.8703% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,420,000 | 1,915 |
| Average earning assets | $390,070,500 | 1,937 |
| Average equity | $55,851,000 | 1,610 |
| Average total loans | $282,233,000 | 1,820 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 1,813 |
| Cost of funding earning assets | 0.6264% | 2,144 |
| Net interest margin | 3.6919% | 1,826 |
| Noninterest income to average assets | 1.4799% | 555 |
| Noninterest expense to average assets | 2.7939% | 1,955 |
| Loan and lease loss provision to assets | 0.0899% | 3,241 |
| Net operating income to assets | 1.9384% | 297 |
| Return on assets (ROA) | 1.9393% | 319 |
| Pretax return on assets | 2.0103% | 445 |
| Return on Equity (ROE) | 14.1749% | 772 |
| Retained earnings to average equity (ytd only) | 8.2255% | 987 |
| Net charge-offs to loans | 0.0825% | 1,645 |
| Credit loss provision to net charge-offs | 149.5726% | 2,428 |
| Earnings coverage of net charge-offs (x) | 34.9145% | 1,488 |
| Efficiency ratio | 56.9838% | 3,861 |
| Assets per employee ($millions) | 5.8801% | 2,461 |
| Cash dividends to net income (ytd only)* | 41.9714% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,608 |
| Loan loss allowance to noncurrent loans | 984.7575% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,725 |
| Noncurrent loans to loans | 0.1515% | 3,679 |
| Net loans and leases to total assets | 67.4227% | 1,900 |
| Net loans and leases to deposits | 87.7660% | 1,114 |
| Net loans and leases to core deposits | 92.2883% | 1,366 |
| Total domestic deposits to total assets | 76.8210% | 4,433 |
| Equity capital to assets | 13.3594% | 979 |
| Core capital (leverage) ratio | 13.0446% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,204,600 | 1,892 |
| Average earning assets | $359,813,000 | 1,903 |
| Average equity | $53,249,200 | 1,596 |
| Average total loans | $283,556,800 | 1,749 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 1,861 |
| Cost of funding earning assets | 0.6703% | 2,200 |
| Net interest margin | 3.7227% | 1,869 |
| Noninterest income to average assets | 1.3674% | 590 |
| Noninterest expense to average assets | 2.7407% | 2,140 |
| Loan and lease loss provision to assets | 0.0908% | 3,178 |
| Net operating income to assets | 1.9333% | 343 |
| Return on assets (ROA) | 1.9333% | 376 |
| Pretax return on assets | 1.9951% | 520 |
| Return on Equity (ROE) | 14.0405% | 877 |
| Retained earnings to average equity (ytd only) | 7.9565% | 1,321 |
| Net charge-offs to loans | 0.1102% | 1,239 |
| Credit loss provision to net charge-offs | 111.1111% | 2,542 |
| Earnings coverage of net charge-offs (x) | 25.5470% | 1,720 |
| Efficiency ratio | 56.6688% | 3,838 |
| Assets per employee ($millions) | 5.2456% | 2,956 |
| Cash dividends to net income (ytd only)* | 43.3315% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,442 |
| Loan loss allowance to noncurrent loans | 719.6552% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 3,625 |
| Noncurrent loans to loans | 0.2058% | 3,559 |
| Net loans and leases to total assets | 70.5577% | 1,870 |
| Net loans and leases to deposits | 92.0159% | 1,070 |
| Net loans and leases to core deposits | 97.7034% | 1,331 |
| Total domestic deposits to total assets | 76.6799% | 4,364 |
| Equity capital to assets | 13.8315% | 902 |
| Core capital (leverage) ratio | 13.2617% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,133,250 | 1,900 |
| Average earning assets | $355,078,500 | 1,903 |
| Average equity | $52,618,000 | 1,603 |
| Average total loans | $283,009,250 | 1,752 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 2,142 |
| Cost of funding earning assets | 0.7120% | 2,322 |
| Net interest margin | 3.7125% | 2,123 |
| Noninterest income to average assets | 1.3812% | 545 |
| Noninterest expense to average assets | 2.7100% | 2,354 |
| Loan and lease loss provision to assets | 0.0899% | 3,146 |
| Net operating income to assets | 1.9954% | 339 |
| Return on assets (ROA) | 1.9954% | 375 |
| Pretax return on assets | 2.0567% | 490 |
| Return on Equity (ROE) | 14.5140% | 788 |
| Retained earnings to average equity (ytd only) | 11.5459% | 523 |
| Net charge-offs to loans | 0.1595% | 928 |
| Credit loss provision to net charge-offs | 75.2212% | 2,525 |
| Earnings coverage of net charge-offs (x) | 17.9690% | 1,793 |
| Efficiency ratio | 55.6813% | 3,984 |
| Assets per employee ($millions) | 5.3377% | 2,790 |
| Cash dividends to net income (ytd only)* | 20.4503% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,595 |
| Loan loss allowance to noncurrent loans | 364.3811% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 3,131 |
| Noncurrent loans to loans | 0.3833% | 3,037 |
| Net loans and leases to total assets | 73.1362% | 1,538 |
| Net loans and leases to deposits | 95.4105% | 843 |
| Net loans and leases to core deposits | 101.6256% | 1,143 |
| Total domestic deposits to total assets | 76.6543% | 4,361 |
| Equity capital to assets | 13.7177% | 921 |
| Core capital (leverage) ratio | 13.4112% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,371,000 | 1,901 |
| Average earning assets | $354,209,000 | 1,880 |
| Average equity | $52,018,667 | 1,606 |
| Average total loans | $283,425,000 | 1,734 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 2,234 |
| Cost of funding earning assets | 0.7587% | 2,615 |
| Net interest margin | 3.7679% | 2,091 |
| Noninterest income to average assets | 1.4549% | 424 |
| Noninterest expense to average assets | 2.7650% | 2,531 |
| Loan and lease loss provision to assets | 0.0865% | 2,608 |
| Net operating income to assets | 2.0743% | 236 |
| Return on assets (ROA) | 2.0743% | 259 |
| Pretax return on assets | 2.1305% | 352 |
| Return on Equity (ROE) | 15.0699% | 539 |
| Retained earnings to average equity (ytd only) | 11.4104% | 500 |
| Net charge-offs to loans | 0.0230% | 1,908 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 128.1875% | 483 |
| Efficiency ratio | 55.3916% | 4,270 |
| Assets per employee ($millions) | 5.2030% | 2,422 |
| Cash dividends to net income (ytd only)* | 24.2835% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 1,349 |
| Loan loss allowance to noncurrent loans | 247.4736% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 2,627 |
| Noncurrent loans to loans | 0.6060% | 2,474 |
| Net loans and leases to total assets | 74.8923% | 1,473 |
| Net loans and leases to deposits | 95.8001% | 929 |
| Net loans and leases to core deposits | 104.9667% | 1,120 |
| Total domestic deposits to total assets | 78.1756% | 4,189 |
| Equity capital to assets | 14.0359% | 1,041 |
| Core capital (leverage) ratio | 13.7064% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,060,000 | 1,888 |
| Average earning assets | $346,403,500 | 1,867 |
| Average equity | $50,936,000 | 1,635 |
| Average total loans | $278,650,000 | 1,722 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 2,753 |
| Cost of funding earning assets | 0.7818% | 2,767 |
| Net interest margin | 3.7762% | 2,585 |
| Noninterest income to average assets | 1.4827% | 419 |
| Noninterest expense to average assets | 2.8533% | 2,430 |
| Loan and lease loss provision to assets | 0.0950% | 2,134 |
| Net operating income to assets | 2.0068% | 345 |
| Return on assets (ROA) | 2.0068% | 360 |
| Pretax return on assets | 2.0685% | 515 |
| Return on Equity (ROE) | 15.2942% | 632 |
| Retained earnings to average equity (ytd only) | 9.6558% | 559 |
| Net charge-offs to loans | 0.0632% | 2,194 |
| Credit loss provision to net charge-offs | 204.8193% | 1,297 |
| Earnings coverage of net charge-offs (x) | 46.6325% | 1,185 |
| Efficiency ratio | 56.7521% | 4,115 |
| Assets per employee ($millions) | 5.2212% | 2,323 |
| Cash dividends to net income (ytd only)* | 36.8663% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,231 |
| Loan loss allowance to noncurrent loans | 562.8223% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 3,674 |
| Noncurrent loans to loans | 0.2666% | 3,491 |
| Net loans and leases to total assets | 73.4484% | 1,848 |
| Net loans and leases to deposits | 92.4904% | 1,310 |
| Net loans and leases to core deposits | 101.6847% | 1,433 |
| Total domestic deposits to total assets | 79.4119% | 4,098 |
| Equity capital to assets | 13.4935% | 1,278 |
| Core capital (leverage) ratio | 13.4911% | 1,058 |
| Tier 1 risk-based capital ratio | 13.7774% | 3,380 |
| Total risk-based capital ratio | 14.9422% | 3,318 |
| Memoranda: | ||
| Average total assets | $357,791,800 | 1,882 |
| Average earning assets | $334,859,800 | 1,863 |
| Average equity | $46,945,800 | 1,690 |
| Average total loans | $262,720,200 | 1,762 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 2,994 |
| Cost of funding earning assets | 0.7805% | 2,811 |
| Net interest margin | 3.7390% | 2,795 |
| Noninterest income to average assets | 1.1774% | 662 |
| Noninterest expense to average assets | 2.8252% | 2,495 |
| Loan and lease loss provision to assets | 0.0620% | 2,656 |
| Net operating income to assets | 1.7317% | 700 |
| Return on assets (ROA) | 1.7317% | 741 |
| Pretax return on assets | 1.7922% | 1,113 |
| Return on Equity (ROE) | 13.2963% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.7497% | 1,514 |
| Net charge-offs to loans | 0.0422% | 2,249 |
| Credit loss provision to net charge-offs | 201.2195% | 1,303 |
| Earnings coverage of net charge-offs (x) | 60.1345% | 1,053 |
| Efficiency ratio | 60.2459% | 3,594 |
| Assets per employee ($millions) | 5.0179% | 2,543 |
| Cash dividends to net income (ytd only)* | 41.7155% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,165 |
| Loan loss allowance to noncurrent loans | 277.6865% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 2,871 |
| Noncurrent loans to loans | 0.5512% | 2,644 |
| Net loans and leases to total assets | 73.2642% | 1,951 |
| Net loans and leases to deposits | 92.6331% | 1,355 |
| Net loans and leases to core deposits | 101.6659% | 1,532 |
| Total domestic deposits to total assets | 79.0907% | 4,173 |
| Equity capital to assets | 13.5087% | 1,359 |
| Core capital (leverage) ratio | 13.3008% | 1,211 |
| Tier 1 risk-based capital ratio | 14.1588% | 3,251 |
| Total risk-based capital ratio | 15.3750% | 3,172 |
| Memoranda: | ||
| Average total assets | $354,563,750 | 1,908 |
| Average earning assets | $332,092,000 | 1,889 |
| Average equity | $46,177,000 | 1,715 |
| Average total loans | $259,294,250 | 1,796 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 3,086 |
| Cost of funding earning assets | 0.7704% | 2,801 |
| Net interest margin | 3.7045% | 2,918 |
| Noninterest income to average assets | 1.0119% | 856 |
| Noninterest expense to average assets | 2.7983% | 2,592 |
| Loan and lease loss provision to assets | 0.0508% | 2,801 |
| Net operating income to assets | 1.5814% | 945 |
| Return on assets (ROA) | 1.5814% | 984 |
| Pretax return on assets | 1.6373% | 1,433 |
| Return on Equity (ROE) | 12.2960% | 1,477 |
| Retained earnings to average equity (ytd only) | 6.2556% | 2,169 |
| Net charge-offs to loans | 0.0645% | 1,734 |
| Credit loss provision to net charge-offs | 108.4337% | 1,860 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,311 |
| Efficiency ratio | 62.2340% | 3,393 |
| Assets per employee ($millions) | 5.2725% | 2,177 |
| Cash dividends to net income (ytd only)* | 49.1247% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,248 |
| Loan loss allowance to noncurrent loans | 312.7258% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 3,133 |
| Noncurrent loans to loans | 0.4825% | 2,836 |
| Net loans and leases to total assets | 71.4237% | 2,299 |
| Net loans and leases to deposits | 89.7635% | 1,765 |
| Net loans and leases to core deposits | 96.2025% | 2,047 |
| Total domestic deposits to total assets | 79.5688% | 4,123 |
| Equity capital to assets | 12.8537% | 1,660 |
| Core capital (leverage) ratio | 12.9347% | 1,329 |
| Tier 1 risk-based capital ratio | 14.3679% | 3,134 |
| Total risk-based capital ratio | 15.6122% | 3,051 |
| Memoranda: | ||
| Average total assets | $353,995,670 | 1,916 |
| Average earning assets | $332,029,000 | 1,900 |
| Average equity | $45,527,000 | 1,726 |
| Average total loans | $257,367,670 | 1,809 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 2,952 |
| Cost of funding earning assets | 0.7592% | 2,746 |
| Net interest margin | 3.7176% | 2,824 |
| Noninterest income to average assets | 0.9946% | 822 |
| Noninterest expense to average assets | 2.8015% | 2,563 |
| Loan and lease loss provision to assets | 0.0516% | 2,624 |
| Net operating income to assets | 1.5721% | 954 |
| Return on assets (ROA) | 1.5721% | 982 |
| Pretax return on assets | 1.6259% | 1,402 |
| Return on Equity (ROE) | 12.2201% | 1,458 |
| Retained earnings to average equity (ytd only) | 9.0137% | 1,315 |
| Net charge-offs to loans | 0.1259% | 991 |
| Credit loss provision to net charge-offs | 56.2500% | 1,933 |
| Earnings coverage of net charge-offs (x) | 18.3000% | 1,628 |
| Efficiency ratio | 62.4201% | 3,467 |
| Assets per employee ($millions) | 4.7440% | 2,857 |
| Cash dividends to net income (ytd only)* | 26.2391% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,210 |
| Loan loss allowance to noncurrent loans | 412.0293% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,520 |
| Noncurrent loans to loans | 0.3741% | 3,245 |
| Net loans and leases to total assets | 71.6791% | 2,213 |
| Net loans and leases to deposits | 90.0488% | 1,621 |
| Net loans and leases to core deposits | 97.7736% | 1,794 |
| Total domestic deposits to total assets | 79.6003% | 4,239 |
| Equity capital to assets | 13.0582% | 1,418 |
| Core capital (leverage) ratio | 13.0762% | 1,233 |
| Tier 1 risk-based capital ratio | 15.4955% | 2,653 |
| Total risk-based capital ratio | 16.7467% | 2,574 |
| Memoranda: | ||
| Average total assets | $349,092,500 | 1,954 |
| Average earning assets | $327,196,500 | 1,933 |
| Average equity | $44,909,500 | 1,736 |
| Average total loans | $254,140,500 | 1,835 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 3,058 |
| Cost of funding earning assets | 0.6034% | 2,686 |
| Net interest margin | 3.7121% | 2,986 |
| Noninterest income to average assets | 1.0751% | 806 |
| Noninterest expense to average assets | 2.8053% | 2,671 |
| Loan and lease loss provision to assets | 0.0528% | 3,128 |
| Net operating income to assets | 1.6307% | 811 |
| Return on assets (ROA) | 1.6307% | 804 |
| Pretax return on assets | 1.6908% | 1,191 |
| Return on Equity (ROE) | 13.1491% | 1,288 |
| Retained earnings to average equity (ytd only) | 7.6195% | 1,406 |
| Net charge-offs to loans | 0.0230% | 2,952 |
| Credit loss provision to net charge-offs | 321.4286% | 975 |
| Earnings coverage of net charge-offs (x) | 106.1964% | 715 |
| Efficiency ratio | 61.5276% | 3,621 |
| Assets per employee ($millions) | 4.7552% | 2,807 |
| Cash dividends to net income (ytd only)* | 42.0532% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 1,088 |
| Loan loss allowance to noncurrent loans | 413.0977% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 3,455 |
| Noncurrent loans to loans | 0.3807% | 3,166 |
| Net loans and leases to total assets | 71.6547% | 2,320 |
| Net loans and leases to deposits | 89.6551% | 1,840 |
| Net loans and leases to core deposits | 97.3926% | 1,926 |
| Total domestic deposits to total assets | 79.9226% | 4,124 |
| Equity capital to assets | 12.6689% | 1,501 |
| Core capital (leverage) ratio | 12.7528% | 1,341 |
| Tier 1 risk-based capital ratio | 15.2740% | 2,712 |
| Total risk-based capital ratio | 16.5256% | 2,640 |
| Memoranda: | ||
| Average total assets | $341,074,000 | 1,948 |
| Average earning assets | $319,169,600 | 1,932 |
| Average equity | $42,299,600 | 1,770 |
| Average total loans | $243,224,000 | 1,865 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 3,119 |
| Cost of funding earning assets | 0.5571% | 2,812 |
| Net interest margin | 3.7022% | 3,013 |
| Noninterest income to average assets | 1.0664% | 836 |
| Noninterest expense to average assets | 2.8306% | 2,528 |
| Loan and lease loss provision to assets | 0.0530% | 2,920 |
| Net operating income to assets | 1.5899% | 983 |
| Return on assets (ROA) | 1.5899% | 988 |
| Pretax return on assets | 1.6480% | 1,424 |
| Return on Equity (ROE) | 12.8904% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.9495% | 1,678 |
| Net charge-offs to loans | 0.0288% | 2,523 |
| Credit loss provision to net charge-offs | 259.6154% | 1,140 |
| Earnings coverage of net charge-offs (x) | 83.3097% | 861 |
| Efficiency ratio | 62.3256% | 3,457 |
| Assets per employee ($millions) | 4.9114% | 2,583 |
| Cash dividends to net income (ytd only)* | 38.3304% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 1,061 |
| Loan loss allowance to noncurrent loans | 421.9957% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 3,562 |
| Noncurrent loans to loans | 0.3813% | 3,284 |
| Net loans and leases to total assets | 70.9566% | 2,501 |
| Net loans and leases to deposits | 91.4267% | 1,703 |
| Net loans and leases to core deposits | 100.0558% | 1,792 |
| Total domestic deposits to total assets | 77.6104% | 4,548 |
| Equity capital to assets | 12.5475% | 1,553 |
| Core capital (leverage) ratio | 12.8675% | 1,341 |
| Tier 1 risk-based capital ratio | 15.4172% | 2,682 |
| Total risk-based capital ratio | 16.6689% | 2,613 |
| Memoranda: | ||
| Average total assets | $339,561,000 | 1,963 |
| Average earning assets | $317,818,500 | 1,947 |
| Average equity | $41,880,250 | 1,793 |
| Average total loans | $240,853,500 | 1,884 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 3,103 |
| Cost of funding earning assets | 0.5223% | 2,815 |
| Net interest margin | 3.6799% | 3,011 |
| Noninterest income to average assets | 1.0289% | 912 |
| Noninterest expense to average assets | 2.8336% | 2,564 |
| Loan and lease loss provision to assets | 0.0530% | 2,855 |
| Net operating income to assets | 1.5286% | 1,081 |
| Return on assets (ROA) | 1.5286% | 1,082 |
| Pretax return on assets | 1.5845% | 1,550 |
| Return on Equity (ROE) | 12.4657% | 1,557 |
| Retained earnings to average equity (ytd only) | 7.7473% | 1,730 |
| Net charge-offs to loans | 0.0250% | 2,357 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 92.7333% | 734 |
| Efficiency ratio | 63.2306% | 3,430 |
| Assets per employee ($millions) | 4.7060% | 2,810 |
| Cash dividends to net income (ytd only)* | 37.8514% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 1,080 |
| Loan loss allowance to noncurrent loans | 617.6935% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,969 |
| Noncurrent loans to loans | 0.2609% | 3,769 |
| Net loans and leases to total assets | 69.4736% | 2,655 |
| Net loans and leases to deposits | 88.2740% | 2,076 |
| Net loans and leases to core deposits | 95.3783% | 2,116 |
| Total domestic deposits to total assets | 78.7023% | 4,476 |
| Equity capital to assets | 12.2609% | 1,690 |
| Core capital (leverage) ratio | 12.5376% | 1,420 |
| Tier 1 risk-based capital ratio | 14.9968% | 2,877 |
| Total risk-based capital ratio | 16.2479% | 2,796 |
| Memoranda: | ||
| Average total assets | $339,785,000 | 1,968 |
| Average earning assets | $317,834,000 | 1,950 |
| Average equity | $41,666,330 | 1,806 |
| Average total loans | $239,672,330 | 1,889 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,215 |
| Cost of funding earning assets | 0.4941% | 2,839 |
| Net interest margin | 3.6134% | 3,124 |
| Noninterest income to average assets | 0.9790% | 956 |
| Noninterest expense to average assets | 2.9191% | 2,291 |
| Loan and lease loss provision to assets | 0.0533% | 2,709 |
| Net operating income to assets | 1.3341% | 1,524 |
| Return on assets (ROA) | 1.3341% | 1,539 |
| Pretax return on assets | 1.3826% | 2,071 |
| Return on Equity (ROE) | 10.8786% | 2,020 |
| Retained earnings to average equity (ytd only) | 8.1662% | 1,779 |
| Net charge-offs to loans | -0.0017% | 3,796 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8932% | 3,019 |
| Assets per employee ($millions) | 4.7301% | 2,813 |
| Cash dividends to net income (ytd only)* | 24.9335% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 1,116 |
| Loan loss allowance to noncurrent loans | 2,546.4052% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,798 |
| Noncurrent loans to loans | 0.0636% | 4,691 |
| Net loans and leases to total assets | 69.4766% | 2,566 |
| Net loans and leases to deposits | 87.7873% | 1,957 |
| Net loans and leases to core deposits | 96.0000% | 1,976 |
| Total domestic deposits to total assets | 79.1420% | 4,559 |
| Equity capital to assets | 12.1680% | 1,678 |
| Core capital (leverage) ratio | 12.3956% | 1,434 |
| Tier 1 risk-based capital ratio | 14.9073% | 2,911 |
| Total risk-based capital ratio | 16.1590% | 2,842 |
| Memoranda: | ||
| Average total assets | $337,908,000 | 1,987 |
| Average earning assets | $315,711,500 | 1,976 |
| Average equity | $41,439,000 | 1,817 |
| Average total loans | $238,219,000 | 1,910 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,153 |
| Cost of funding earning assets | 0.4296% | 2,961 |
| Net interest margin | 3.6454% | 3,000 |
| Noninterest income to average assets | 1.0433% | 934 |
| Noninterest expense to average assets | 2.8251% | 2,689 |
| Loan and lease loss provision to assets | 0.0915% | 2,367 |
| Net operating income to assets | 1.4713% | 864 |
| Return on assets (ROA) | 1.4713% | 874 |
| Pretax return on assets | 1.5280% | 1,529 |
| Return on Equity (ROE) | 11.9161% | 1,233 |
| Retained earnings to average equity (ytd only) | 6.5745% | 1,245 |
| Net charge-offs to loans | -0.0018% | 4,527 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4111% | 3,693 |
| Assets per employee ($millions) | 4.6563% | 2,944 |
| Cash dividends to net income (ytd only)* | 44.8269% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,071 |
| Loan loss allowance to noncurrent loans | 1,300.6757% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 4,583 |
| Noncurrent loans to loans | 0.1255% | 4,424 |
| Net loans and leases to total assets | 69.2254% | 2,644 |
| Net loans and leases to deposits | 87.1383% | 2,113 |
| Net loans and leases to core deposits | 94.1459% | 2,181 |
| Total domestic deposits to total assets | 79.4432% | 4,461 |
| Equity capital to assets | 12.3603% | 1,594 |
| Core capital (leverage) ratio | 12.4236% | 1,389 |
| Tier 1 risk-based capital ratio | 14.4942% | 3,091 |
| Total risk-based capital ratio | 15.7453% | 3,013 |
| Memoranda: | ||
| Average total assets | $327,814,800 | 2,022 |
| Average earning assets | $305,866,200 | 2,013 |
| Average equity | $40,474,800 | 1,847 |
| Average total loans | $226,517,600 | 1,956 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,118 |
| Cost of funding earning assets | 0.4226% | 2,959 |
| Net interest margin | 3.6408% | 2,994 |
| Noninterest income to average assets | 1.0197% | 989 |
| Noninterest expense to average assets | 2.8658% | 2,520 |
| Loan and lease loss provision to assets | 0.0920% | 2,241 |
| Net operating income to assets | 1.4010% | 1,087 |
| Return on assets (ROA) | 1.4010% | 1,109 |
| Pretax return on assets | 1.4558% | 1,925 |
| Return on Equity (ROE) | 11.3500% | 1,553 |
| Retained earnings to average equity (ytd only) | 7.0685% | 1,658 |
| Net charge-offs to loans | -0.0024% | 4,337 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7822% | 3,408 |
| Assets per employee ($millions) | 4.4758% | 3,185 |
| Cash dividends to net income (ytd only)* | 37.7226% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 1,102 |
| Loan loss allowance to noncurrent loans | 2,374.2138% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,782 |
| Noncurrent loans to loans | 0.0701% | 4,796 |
| Net loans and leases to total assets | 68.2915% | 2,798 |
| Net loans and leases to deposits | 88.4266% | 1,999 |
| Net loans and leases to core deposits | 95.0736% | 2,162 |
| Total domestic deposits to total assets | 77.2296% | 4,844 |
| Equity capital to assets | 12.6784% | 1,561 |
| Core capital (leverage) ratio | 12.3714% | 1,472 |
| Tier 1 risk-based capital ratio | 14.7143% | 3,056 |
| Total risk-based capital ratio | 15.9657% | 2,987 |
| Memoranda: | ||
| Average total assets | $325,955,750 | 2,045 |
| Average earning assets | $303,845,000 | 2,039 |
| Average equity | $40,234,000 | 1,868 |
| Average total loans | $224,164,750 | 1,976 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,035 |
| Cost of funding earning assets | 0.4150% | 2,930 |
| Net interest margin | 3.6274% | 2,928 |
| Noninterest income to average assets | 1.0046% | 1,009 |
| Noninterest expense to average assets | 2.8972% | 2,433 |
| Loan and lease loss provision to assets | 0.0921% | 2,148 |
| Net operating income to assets | 1.3368% | 1,204 |
| Return on assets (ROA) | 1.3368% | 1,226 |
| Pretax return on assets | 1.3915% | 2,057 |
| Return on Equity (ROE) | 10.9295% | 1,671 |
| Retained earnings to average equity (ytd only) | 8.2587% | 1,068 |
| Net charge-offs to loans | -0.0054% | 4,356 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9798% | 3,359 |
| Assets per employee ($millions) | 4.1681% | 3,685 |
| Cash dividends to net income (ytd only)* | 24.4373% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,160 |
| Loan loss allowance to noncurrent loans | 2,257.3171% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,814 |
| Noncurrent loans to loans | 0.0730% | 4,838 |
| Net loans and leases to total assets | 67.0791% | 2,939 |
| Net loans and leases to deposits | 83.4945% | 2,546 |
| Net loans and leases to core deposits | 89.7433% | 2,549 |
| Total domestic deposits to total assets | 80.3395% | 4,338 |
| Equity capital to assets | 12.4684% | 1,639 |
| Core capital (leverage) ratio | 12.3385% | 1,450 |
| Tier 1 risk-based capital ratio | 14.4931% | 3,168 |
| Total risk-based capital ratio | 15.7439% | 3,088 |
| Memoranda: | ||
| Average total assets | $325,695,670 | 2,050 |
| Average earning assets | $303,139,670 | 2,036 |
| Average equity | $39,837,000 | 1,879 |
| Average total loans | $223,250,330 | 1,986 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 2,912 |
| Cost of funding earning assets | 0.4003% | 2,993 |
| Net interest margin | 3.6362% | 2,751 |
| Noninterest income to average assets | 1.0225% | 961 |
| Noninterest expense to average assets | 2.9194% | 2,399 |
| Loan and lease loss provision to assets | 0.0926% | 1,993 |
| Net operating income to assets | 1.3300% | 1,166 |
| Return on assets (ROA) | 1.3300% | 1,197 |
| Pretax return on assets | 1.3868% | 1,932 |
| Return on Equity (ROE) | 10.9821% | 1,575 |
| Retained earnings to average equity (ytd only) | 8.0250% | 1,450 |
| Net charge-offs to loans | -0.0072% | 4,293 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2268% | 3,463 |
| Assets per employee ($millions) | 4.3360% | 3,442 |
| Cash dividends to net income (ytd only)* | 26.9266% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 1,282 |
| Loan loss allowance to noncurrent loans | 1,751.2077% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 4,888 |
| Noncurrent loans to loans | 0.0935% | 4,814 |
| Net loans and leases to total assets | 67.8348% | 2,705 |
| Net loans and leases to deposits | 83.7891% | 2,308 |
| Net loans and leases to core deposits | 89.8652% | 2,361 |
| Total domestic deposits to total assets | 80.9590% | 4,420 |
| Equity capital to assets | 12.4071% | 1,591 |
| Core capital (leverage) ratio | 12.2420% | 1,475 |
| Tier 1 risk-based capital ratio | 14.4310% | 3,238 |
| Total risk-based capital ratio | 15.6819% | 3,163 |
| Memoranda: | ||
| Average total assets | $323,903,500 | 2,075 |
| Average earning assets | $300,750,000 | 2,066 |
| Average equity | $39,227,500 | 1,903 |
| Average total loans | $222,585,500 | 2,004 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 2,833 |
| Cost of funding earning assets | 0.4022% | 2,977 |
| Net interest margin | 3.7013% | 2,687 |
| Noninterest income to average assets | 1.0685% | 989 |
| Noninterest expense to average assets | 2.8260% | 2,940 |
| Loan and lease loss provision to assets | 0.0640% | 3,093 |
| Net operating income to assets | 1.5563% | 753 |
| Return on assets (ROA) | 1.5563% | 777 |
| Pretax return on assets | 1.6160% | 1,231 |
| Return on Equity (ROE) | 12.8271% | 1,034 |
| Retained earnings to average equity (ytd only) | 6.9091% | 1,271 |
| Net charge-offs to loans | -0.0181% | 5,096 |
| Credit loss provision to net charge-offs | -525.6410% | 5,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8978% | 4,274 |
| Assets per employee ($millions) | 4.6048% | 2,951 |
| Cash dividends to net income (ytd only)* | 46.1369% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,412 |
| Loan loss allowance to noncurrent loans | 703.5714% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,584 |
| Noncurrent loans to loans | 0.2251% | 4,345 |
| Net loans and leases to total assets | 67.3948% | 2,871 |
| Net loans and leases to deposits | 87.1310% | 2,034 |
| Net loans and leases to core deposits | 92.8076% | 2,227 |
| Total domestic deposits to total assets | 77.3489% | 5,070 |
| Equity capital to assets | 11.8201% | 1,923 |
| Core capital (leverage) ratio | 11.8144% | 1,713 |
| Tier 1 risk-based capital ratio | 13.8109% | 3,571 |
| Total risk-based capital ratio | 15.0612% | 3,482 |
| Memoranda: | ||
| Average total assets | $320,173,200 | 2,059 |
| Average earning assets | $297,353,400 | 2,062 |
| Average equity | $38,847,400 | 1,886 |
| Average total loans | $215,532,800 | 2,006 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 2,835 |
| Cost of funding earning assets | 0.4031% | 2,990 |
| Net interest margin | 3.7083% | 2,689 |
| Noninterest income to average assets | 1.0822% | 968 |
| Noninterest expense to average assets | 2.8003% | 3,009 |
| Loan and lease loss provision to assets | 0.0628% | 2,980 |
| Net operating income to assets | 1.5900% | 744 |
| Return on assets (ROA) | 1.5892% | 788 |
| Pretax return on assets | 1.6691% | 1,200 |
| Return on Equity (ROE) | 13.0115% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.1956% | 1,091 |
| Net charge-offs to loans | -0.0943% | 5,553 |
| Credit loss provision to net charge-offs | -99.3377% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9623% | 4,400 |
| Assets per employee ($millions) | 4.6555% | 2,831 |
| Cash dividends to net income (ytd only)* | 37.0127% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,443 |
| Loan loss allowance to noncurrent loans | 673.2710% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 4,585 |
| Noncurrent loans to loans | 0.2389% | 4,414 |
| Net loans and leases to total assets | 67.6186% | 2,850 |
| Net loans and leases to deposits | 92.2958% | 1,461 |
| Net loans and leases to core deposits | 99.0649% | 1,721 |
| Total domestic deposits to total assets | 73.2630% | 5,497 |
| Equity capital to assets | 12.2531% | 1,939 |
| Core capital (leverage) ratio | 11.8736% | 1,769 |
| Tier 1 risk-based capital ratio | 13.8501% | 3,636 |
| Total risk-based capital ratio | 15.1012% | 3,563 |
| Memoranda: | ||
| Average total assets | $318,481,000 | 2,073 |
| Average earning assets | $296,372,000 | 2,067 |
| Average equity | $38,898,000 | 1,897 |
| Average total loans | $213,444,000 | 2,025 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 2,656 |
| Cost of funding earning assets | 0.4034% | 2,999 |
| Net interest margin | 3.7520% | 2,509 |
| Noninterest income to average assets | 1.0360% | 1,043 |
| Noninterest expense to average assets | 2.7809% | 3,087 |
| Loan and lease loss provision to assets | 0.0759% | 2,617 |
| Net operating income to assets | 1.5892% | 742 |
| Return on assets (ROA) | 1.5892% | 785 |
| Pretax return on assets | 1.6702% | 1,171 |
| Return on Equity (ROE) | 13.0260% | 1,023 |
| Retained earnings to average equity (ytd only) | 9.4466% | 733 |
| Net charge-offs to loans | -0.1572% | 5,754 |
| Credit loss provision to net charge-offs | -72.7273% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6039% | 4,562 |
| Assets per employee ($millions) | 4.1419% | 3,665 |
| Cash dividends to net income (ytd only)* | 27.4791% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,303 |
| Loan loss allowance to noncurrent loans | 584.2020% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 4,497 |
| Noncurrent loans to loans | 0.2884% | 4,340 |
| Net loans and leases to total assets | 66.5032% | 3,009 |
| Net loans and leases to deposits | 86.1099% | 2,240 |
| Net loans and leases to core deposits | 91.2964% | 2,405 |
| Total domestic deposits to total assets | 77.2306% | 5,129 |
| Equity capital to assets | 12.6488% | 1,686 |
| Core capital (leverage) ratio | 11.7912% | 1,782 |
| Tier 1 risk-based capital ratio | 14.2198% | 3,485 |
| Total risk-based capital ratio | 15.4711% | 3,406 |
| Memoranda: | ||
| Average total assets | $316,013,000 | 2,089 |
| Average earning assets | $294,027,330 | 2,091 |
| Average equity | $38,553,670 | 1,912 |
| Average total loans | $209,938,330 | 2,053 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 3,140 |
| Cost of funding earning assets | 0.4095% | 2,970 |
| Net interest margin | 3.6137% | 3,033 |
| Noninterest income to average assets | 1.0005% | 1,077 |
| Noninterest expense to average assets | 2.7452% | 3,257 |
| Loan and lease loss provision to assets | 0.0947% | 2,113 |
| Net operating income to assets | 1.4541% | 932 |
| Return on assets (ROA) | 1.4541% | 976 |
| Pretax return on assets | 1.5273% | 1,510 |
| Return on Equity (ROE) | 12.1405% | 1,277 |
| Retained earnings to average equity (ytd only) | 9.5352% | 970 |
| Net charge-offs to loans | 0.1132% | 1,439 |
| Credit loss provision to net charge-offs | 127.1186% | 1,378 |
| Earnings coverage of net charge-offs (x) | 21.7627% | 1,425 |
| Efficiency ratio | 62.0191% | 4,439 |
| Assets per employee ($millions) | 4.8278% | 2,537 |
| Cash dividends to net income (ytd only)* | 21.4596% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,687 |
| Loan loss allowance to noncurrent loans | 674.3902% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,704 |
| Noncurrent loans to loans | 0.2340% | 4,595 |
| Net loans and leases to total assets | 64.9444% | 3,116 |
| Net loans and leases to deposits | 84.9335% | 2,200 |
| Net loans and leases to core deposits | 89.3580% | 2,436 |
| Total domestic deposits to total assets | 76.4651% | 5,366 |
| Equity capital to assets | 12.0877% | 1,967 |
| Core capital (leverage) ratio | 11.5598% | 1,934 |
| Tier 1 risk-based capital ratio | 14.1561% | 3,595 |
| Total risk-based capital ratio | 15.4065% | 3,522 |
| Memoranda: | ||
| Average total assets | $316,628,500 | 2,103 |
| Average earning assets | $294,987,000 | 2,088 |
| Average equity | $37,922,500 | 1,933 |
| Average total loans | $208,444,000 | 2,070 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,133 |
| Cost of funding earning assets | 0.4265% | 2,877 |
| Net interest margin | 3.6197% | 3,058 |
| Noninterest income to average assets | 1.0544% | 1,064 |
| Noninterest expense to average assets | 2.8717% | 2,960 |
| Loan and lease loss provision to assets | 0.1185% | 2,008 |
| Net operating income to assets | 1.3603% | 1,120 |
| Return on assets (ROA) | 1.3603% | 1,166 |
| Pretax return on assets | 1.4284% | 1,796 |
| Return on Equity (ROE) | 11.4354% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.7528% | 1,404 |
| Net charge-offs to loans | 0.0469% | 3,281 |
| Credit loss provision to net charge-offs | 391.3043% | 773 |
| Earnings coverage of net charge-offs (x) | 51.0761% | 985 |
| Efficiency ratio | 64.1112% | 4,234 |
| Assets per employee ($millions) | 4.7670% | 2,652 |
| Cash dividends to net income (ytd only)* | 40.9487% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,619 |
| Loan loss allowance to noncurrent loans | 426.7442% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,378 |
| Noncurrent loans to loans | 0.3746% | 4,100 |
| Net loans and leases to total assets | 64.6272% | 3,177 |
| Net loans and leases to deposits | 83.8758% | 2,375 |
| Net loans and leases to core deposits | 88.5109% | 2,552 |
| Total domestic deposits to total assets | 77.0510% | 5,306 |
| Equity capital to assets | 11.8648% | 2,059 |
| Core capital (leverage) ratio | 11.5291% | 1,940 |
| Tier 1 risk-based capital ratio | 13.8049% | 3,824 |
| Total risk-based capital ratio | 15.0553% | 3,748 |
| Memoranda: | ||
| Average total assets | $303,760,600 | 2,128 |
| Average earning assets | $282,317,000 | 2,121 |
| Average equity | $36,133,400 | 1,975 |
| Average total loans | $196,176,400 | 2,110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,072 |
| Cost of funding earning assets | 0.4352% | 2,849 |
| Net interest margin | 3.6322% | 3,023 |
| Noninterest income to average assets | 1.0372% | 1,109 |
| Noninterest expense to average assets | 2.9244% | 2,767 |
| Loan and lease loss provision to assets | 0.1196% | 1,906 |
| Net operating income to assets | 1.3034% | 1,334 |
| Return on assets (ROA) | 1.3034% | 1,385 |
| Pretax return on assets | 1.3681% | 2,141 |
| Return on Equity (ROE) | 10.9501% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.5745% | 1,905 |
| Net charge-offs to loans | 0.0441% | 3,014 |
| Credit loss provision to net charge-offs | 421.8750% | 730 |
| Earnings coverage of net charge-offs (x) | 52.4851% | 1,011 |
| Efficiency ratio | 65.3985% | 3,990 |
| Assets per employee ($millions) | 4.3379% | 3,262 |
| Cash dividends to net income (ytd only)* | 39.9592% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 1,687 |
| Loan loss allowance to noncurrent loans | 1,091.2458% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 5,124 |
| Noncurrent loans to loans | 0.1491% | 5,045 |
| Net loans and leases to total assets | 64.5444% | 3,219 |
| Net loans and leases to deposits | 85.5355% | 2,202 |
| Net loans and leases to core deposits | 89.1038% | 2,549 |
| Total domestic deposits to total assets | 75.4592% | 5,578 |
| Equity capital to assets | 12.0845% | 2,043 |
| Core capital (leverage) ratio | 11.5658% | 1,987 |
| Tier 1 risk-based capital ratio | 14.3238% | 3,666 |
| Total risk-based capital ratio | 15.5746% | 3,583 |
| Memoranda: | ||
| Average total assets | $301,045,750 | 2,157 |
| Average earning assets | $279,710,500 | 2,151 |
| Average equity | $35,834,500 | 2,000 |
| Average total loans | $193,562,250 | 2,147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,165 |
| Cost of funding earning assets | 0.4403% | 2,837 |
| Net interest margin | 3.5886% | 3,135 |
| Noninterest income to average assets | 0.9888% | 1,201 |
| Noninterest expense to average assets | 2.9176% | 2,826 |
| Loan and lease loss provision to assets | 0.1199% | 1,845 |
| Net operating income to assets | 1.2246% | 1,529 |
| Return on assets (ROA) | 1.2246% | 1,604 |
| Pretax return on assets | 1.2852% | 2,417 |
| Return on Equity (ROE) | 10.3410% | 1,917 |
| Retained earnings to average equity (ytd only) | 6.3745% | 2,017 |
| Net charge-offs to loans | 0.0490% | 2,726 |
| Credit loss provision to net charge-offs | 382.9787% | 768 |
| Earnings coverage of net charge-offs (x) | 44.8723% | 1,035 |
| Efficiency ratio | 66.5845% | 3,905 |
| Assets per employee ($millions) | 3.9609% | 3,955 |
| Cash dividends to net income (ytd only)* | 38.3569% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,759 |
| Loan loss allowance to noncurrent loans | 812.0513% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,787 |
| Noncurrent loans to loans | 0.2026% | 4,959 |
| Net loans and leases to total assets | 63.7307% | 3,299 |
| Net loans and leases to deposits | 78.6161% | 2,956 |
| Net loans and leases to core deposits | 82.3969% | 3,131 |
| Total domestic deposits to total assets | 81.0657% | 4,595 |
| Equity capital to assets | 11.9934% | 2,031 |
| Core capital (leverage) ratio | 11.3744% | 2,094 |
| Tier 1 risk-based capital ratio | 14.4930% | 3,640 |
| Total risk-based capital ratio | 15.7442% | 3,566 |
| Memoranda: | ||
| Average total assets | $300,176,670 | 2,185 |
| Average earning assets | $278,880,330 | 2,171 |
| Average equity | $35,547,670 | 2,023 |
| Average total loans | $191,672,330 | 2,167 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,296 |
| Cost of funding earning assets | 0.4435% | 2,845 |
| Net interest margin | 3.5369% | 3,276 |
| Noninterest income to average assets | 0.9028% | 1,376 |
| Noninterest expense to average assets | 2.9788% | 2,644 |
| Loan and lease loss provision to assets | 0.1193% | 1,734 |
| Net operating income to assets | 1.0420% | 2,067 |
| Return on assets (ROA) | 1.0420% | 2,212 |
| Pretax return on assets | 1.0924% | 3,116 |
| Return on Equity (ROE) | 8.8545% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.8692% | 2,565 |
| Net charge-offs to loans | 0.0418% | 2,399 |
| Credit loss provision to net charge-offs | 450.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 45.7000% | 898 |
| Efficiency ratio | 70.1677% | 3,461 |
| Assets per employee ($millions) | 4.3663% | 3,254 |
| Cash dividends to net income (ytd only)* | 33.7150% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 1,926 |
| Loan loss allowance to noncurrent loans | 1,031.2292% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 4,955 |
| Noncurrent loans to loans | 0.1589% | 5,208 |
| Net loans and leases to total assets | 61.8384% | 3,395 |
| Net loans and leases to deposits | 76.0183% | 3,052 |
| Net loans and leases to core deposits | 79.4532% | 3,228 |
| Total domestic deposits to total assets | 81.3467% | 4,723 |
| Equity capital to assets | 11.9027% | 2,103 |
| Core capital (leverage) ratio | 11.0776% | 2,339 |
| Tier 1 risk-based capital ratio | 14.3297% | 3,817 |
| Total risk-based capital ratio | 15.5805% | 3,738 |
| Memoranda: | ||
| Average total assets | $301,733,000 | 2,189 |
| Average earning assets | $280,469,500 | 2,172 |
| Average equity | $35,507,500 | 2,035 |
| Average total loans | $191,264,500 | 2,173 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 3,252 |
| Cost of funding earning assets | 0.4934% | 2,730 |
| Net interest margin | 3.6255% | 3,312 |
| Noninterest income to average assets | 1.0161% | 1,180 |
| Noninterest expense to average assets | 2.7793% | 3,561 |
| Loan and lease loss provision to assets | 0.0989% | 2,506 |
| Net operating income to assets | 1.4280% | 1,025 |
| Return on assets (ROA) | 1.4280% | 1,054 |
| Pretax return on assets | 1.5000% | 1,543 |
| Return on Equity (ROE) | 12.3672% | 1,306 |
| Retained earnings to average equity (ytd only) | 6.9100% | 1,447 |
| Net charge-offs to loans | -0.0235% | 5,733 |
| Credit loss provision to net charge-offs | -674.4186% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5545% | 4,820 |
| Assets per employee ($millions) | 4.3170% | 3,336 |
| Cash dividends to net income (ytd only)* | 44.1261% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,187 |
| Loan loss allowance to noncurrent loans | 281.4471% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 4,130 |
| Noncurrent loans to loans | 0.5582% | 3,994 |
| Net loans and leases to total assets | 62.9030% | 3,378 |
| Net loans and leases to deposits | 76.8860% | 3,102 |
| Net loans and leases to core deposits | 80.6249% | 3,224 |
| Total domestic deposits to total assets | 81.8134% | 4,488 |
| Equity capital to assets | 11.6334% | 2,314 |
| Core capital (leverage) ratio | 10.9513% | 2,452 |
| Tier 1 risk-based capital ratio | 14.0612% | 4,049 |
| Total risk-based capital ratio | 15.2891% | 3,990 |
| Memoranda: | ||
| Average total assets | $293,272,200 | 2,191 |
| Average earning assets | $271,966,000 | 2,182 |
| Average equity | $33,863,800 | 2,062 |
| Average total loans | $183,107,200 | 2,195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 3,245 |
| Cost of funding earning assets | 0.5000% | 2,765 |
| Net interest margin | 3.6323% | 3,302 |
| Noninterest income to average assets | 0.9991% | 1,228 |
| Noninterest expense to average assets | 2.7871% | 3,513 |
| Loan and lease loss provision to assets | 0.0458% | 3,472 |
| Net operating income to assets | 1.4646% | 998 |
| Return on assets (ROA) | 1.4646% | 1,040 |
| Pretax return on assets | 1.5374% | 1,520 |
| Return on Equity (ROE) | 12.7085% | 1,298 |
| Retained earnings to average equity (ytd only) | 7.3580% | 1,645 |
| Net charge-offs to loans | -0.0399% | 5,832 |
| Credit loss provision to net charge-offs | -185.1852% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8302% | 4,757 |
| Assets per employee ($millions) | 4.3108% | 3,279 |
| Cash dividends to net income (ytd only)* | 42.1019% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 2,633 |
| Loan loss allowance to noncurrent loans | 613.9785% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 5,053 |
| Noncurrent loans to loans | 0.2467% | 5,159 |
| Net loans and leases to total assets | 62.4152% | 3,425 |
| Net loans and leases to deposits | 82.9955% | 2,289 |
| Net loans and leases to core deposits | 86.2282% | 2,641 |
| Total domestic deposits to total assets | 75.2031% | 5,907 |
| Equity capital to assets | 11.7148% | 2,297 |
| Core capital (leverage) ratio | 11.1402% | 2,359 |
| Tier 1 risk-based capital ratio | 14.3039% | 4,027 |
| Total risk-based capital ratio | 15.5509% | 3,945 |
| Memoranda: | ||
| Average total assets | $291,043,000 | 2,220 |
| Average earning assets | $270,127,500 | 2,211 |
| Average equity | $33,541,000 | 2,081 |
| Average total loans | $180,604,000 | 2,236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,224 |
| Cost of funding earning assets | 0.5060% | 2,775 |
| Net interest margin | 3.6251% | 3,260 |
| Noninterest income to average assets | 0.9560% | 1,314 |
| Noninterest expense to average assets | 2.7870% | 3,554 |
| Loan and lease loss provision to assets | 0.0415% | 3,490 |
| Net operating income to assets | 1.4240% | 1,013 |
| Return on assets (ROA) | 1.4240% | 1,050 |
| Pretax return on assets | 1.4953% | 1,547 |
| Return on Equity (ROE) | 12.4266% | 1,325 |
| Retained earnings to average equity (ytd only) | 7.2675% | 1,636 |
| Net charge-offs to loans | -0.1034% | 6,155 |
| Credit loss provision to net charge-offs | -65.2174% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4966% | 4,770 |
| Assets per employee ($millions) | 4.0382% | 3,758 |
| Cash dividends to net income (ytd only)* | 41.5168% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,598 |
| Loan loss allowance to noncurrent loans | 709.4527% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 5,042 |
| Noncurrent loans to loans | 0.2208% | 5,341 |
| Net loans and leases to total assets | 61.6431% | 3,459 |
| Net loans and leases to deposits | 77.1329% | 2,907 |
| Net loans and leases to core deposits | 80.0123% | 3,214 |
| Total domestic deposits to total assets | 79.9180% | 5,260 |
| Equity capital to assets | 11.7765% | 2,184 |
| Core capital (leverage) ratio | 10.9711% | 2,455 |
| Tier 1 risk-based capital ratio | 14.3265% | 4,047 |
| Total risk-based capital ratio | 15.5455% | 4,003 |
| Memoranda: | ||
| Average total assets | $288,909,000 | 2,234 |
| Average earning assets | $268,405,330 | 2,218 |
| Average equity | $33,106,330 | 2,091 |
| Average total loans | $177,970,000 | 2,259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,616 |
| Cost of funding earning assets | 0.5138% | 2,771 |
| Net interest margin | 3.5024% | 3,680 |
| Noninterest income to average assets | 0.9514% | 1,255 |
| Noninterest expense to average assets | 2.8626% | 3,334 |
| Loan and lease loss provision to assets | 0.0833% | 2,508 |
| Net operating income to assets | 1.2000% | 1,486 |
| Return on assets (ROA) | 1.2000% | 1,551 |
| Pretax return on assets | 1.2625% | 2,236 |
| Return on Equity (ROE) | 10.6209% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.9909% | 3,114 |
| Net charge-offs to loans | -0.0478% | 5,786 |
| Credit loss provision to net charge-offs | -285.7143% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0297% | 4,358 |
| Assets per employee ($millions) | 4.4286% | 3,090 |
| Cash dividends to net income (ytd only)* | 53.0093% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 2,720 |
| Loan loss allowance to noncurrent loans | 306.7255% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 4,850 |
| Noncurrent loans to loans | 0.5206% | 4,614 |
| Net loans and leases to total assets | 59.5596% | 3,626 |
| Net loans and leases to deposits | 72.2082% | 3,314 |
| Net loans and leases to core deposits | 75.0042% | 3,523 |
| Total domestic deposits to total assets | 82.4833% | 4,795 |
| Equity capital to assets | 11.4498% | 2,292 |
| Core capital (leverage) ratio | 10.6926% | 2,707 |
| Tier 1 risk-based capital ratio | 14.4482% | 4,031 |
| Total risk-based capital ratio | 15.6989% | 3,988 |
| Memoranda: | ||
| Average total assets | $287,989,500 | 2,246 |
| Average earning assets | $267,816,000 | 2,234 |
| Average equity | $32,539,500 | 2,118 |
| Average total loans | $175,916,000 | 2,274 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 3,349 |
| Cost of funding earning assets | 0.6063% | 2,603 |
| Net interest margin | 3.5942% | 3,489 |
| Noninterest income to average assets | 1.0837% | 1,205 |
| Noninterest expense to average assets | 2.7599% | 3,873 |
| Loan and lease loss provision to assets | 0.0241% | 4,644 |
| Net operating income to assets | 1.5565% | 747 |
| Return on assets (ROA) | 1.5528% | 776 |
| Pretax return on assets | 1.6299% | 1,097 |
| Return on Equity (ROE) | 13.8266% | 986 |
| Retained earnings to average equity (ytd only) | 9.0046% | 768 |
| Net charge-offs to loans | 0.1627% | 3,184 |
| Credit loss provision to net charge-offs | 24.6377% | 4,360 |
| Earnings coverage of net charge-offs (x) | 16.9819% | 1,750 |
| Efficiency ratio | 61.4972% | 5,294 |
| Assets per employee ($millions) | 4.2371% | 3,387 |
| Cash dividends to net income (ytd only)* | 34.8747% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 3,097 |
| Loan loss allowance to noncurrent loans | 305.1977% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 4,975 |
| Noncurrent loans to loans | 0.4983% | 4,749 |
| Net loans and leases to total assets | 60.7043% | 3,591 |
| Net loans and leases to deposits | 80.2746% | 2,419 |
| Net loans and leases to core deposits | 82.4050% | 2,846 |
| Total domestic deposits to total assets | 75.6208% | 6,126 |
| Equity capital to assets | 11.1480% | 2,477 |
| Core capital (leverage) ratio | 10.9784% | 2,411 |
| Tier 1 risk-based capital ratio | 13.7334% | 4,495 |
| Total risk-based capital ratio | 14.9395% | 4,474 |
| Memoranda: | ||
| Average total assets | $282,722,600 | 2,248 |
| Average earning assets | $262,253,600 | 2,238 |
| Average equity | $31,750,400 | 2,144 |
| Average total loans | $169,593,000 | 2,311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 3,249 |
| Cost of funding earning assets | 0.6227% | 2,625 |
| Net interest margin | 3.6133% | 3,386 |
| Noninterest income to average assets | 1.1268% | 1,152 |
| Noninterest expense to average assets | 2.8109% | 3,621 |
| Loan and lease loss provision to assets | 0.0180% | 4,658 |
| Net operating income to assets | 1.5720% | 794 |
| Return on assets (ROA) | 1.5670% | 848 |
| Pretax return on assets | 1.6419% | 1,241 |
| Return on Equity (ROE) | 13.9277% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.0465% | 1,042 |
| Net charge-offs to loans | 0.1170% | 3,380 |
| Credit loss provision to net charge-offs | 25.8503% | 3,969 |
| Earnings coverage of net charge-offs (x) | 23.9042% | 1,448 |
| Efficiency ratio | 61.8357% | 5,159 |
| Assets per employee ($millions) | 4.1692% | 3,487 |
| Cash dividends to net income (ytd only)* | 35.0468% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 2,651 |
| Loan loss allowance to noncurrent loans | 304.0174% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 4,886 |
| Noncurrent loans to loans | 0.5562% | 4,808 |
| Net loans and leases to total assets | 59.1613% | 3,827 |
| Net loans and leases to deposits | 73.4556% | 3,322 |
| Net loans and leases to core deposits | 76.0807% | 3,607 |
| Total domestic deposits to total assets | 80.5403% | 5,349 |
| Equity capital to assets | 11.4777% | 2,321 |
| Core capital (leverage) ratio | 10.8400% | 2,630 |
| Tier 1 risk-based capital ratio | 14.4501% | 4,104 |
| Total risk-based capital ratio | 15.5564% | 4,156 |
| Memoranda: | ||
| Average total assets | $281,372,500 | 2,270 |
| Average earning assets | $260,805,000 | 2,249 |
| Average equity | $31,658,000 | 2,171 |
| Average total loans | $167,590,250 | 2,334 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 3,284 |
| Cost of funding earning assets | 0.6325% | 2,660 |
| Net interest margin | 3.5865% | 3,426 |
| Noninterest income to average assets | 1.1629% | 1,123 |
| Noninterest expense to average assets | 2.7710% | 3,775 |
| Loan and lease loss provision to assets | 0.0261% | 4,397 |
| Net operating income to assets | 1.6187% | 724 |
| Return on assets (ROA) | 1.6187% | 792 |
| Pretax return on assets | 1.6949% | 1,127 |
| Return on Equity (ROE) | 14.4810% | 913 |
| Retained earnings to average equity (ytd only) | 10.3147% | 778 |
| Net charge-offs to loans | 0.2128% | 2,491 |
| Credit loss provision to net charge-offs | 20.6704% | 3,722 |
| Earnings coverage of net charge-offs (x) | 13.6257% | 1,886 |
| Efficiency ratio | 60.7289% | 5,378 |
| Assets per employee ($millions) | 3.8580% | 4,091 |
| Cash dividends to net income (ytd only)* | 28.7707% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 2,848 |
| Loan loss allowance to noncurrent loans | 136.8265% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 3,959 |
| Noncurrent loans to loans | 1.2292% | 3,499 |
| Net loans and leases to total assets | 57.4531% | 4,072 |
| Net loans and leases to deposits | 71.0571% | 3,576 |
| Net loans and leases to core deposits | 74.4951% | 3,731 |
| Total domestic deposits to total assets | 80.8549% | 5,388 |
| Equity capital to assets | 11.0065% | 2,743 |
| Core capital (leverage) ratio | 10.3509% | 3,046 |
| Tier 1 risk-based capital ratio | 14.4993% | 4,094 |
| Total risk-based capital ratio | 15.7209% | 4,078 |
| Memoranda: | ||
| Average total assets | $283,440,670 | 2,268 |
| Average earning assets | $263,100,670 | 2,241 |
| Average equity | $31,683,000 | 2,172 |
| Average total loans | $168,256,000 | 2,326 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,459 |
| Cost of funding earning assets | 0.6457% | 2,700 |
| Net interest margin | 3.5166% | 3,629 |
| Noninterest income to average assets | 1.2393% | 1,000 |
| Noninterest expense to average assets | 2.7600% | 3,828 |
| Loan and lease loss provision to assets | 0.0520% | 3,753 |
| Net operating income to assets | 1.6163% | 682 |
| Return on assets (ROA) | 1.6163% | 743 |
| Pretax return on assets | 1.6909% | 1,098 |
| Return on Equity (ROE) | 14.3511% | 892 |
| Retained earnings to average equity (ytd only) | 11.3160% | 815 |
| Net charge-offs to loans | -0.0047% | 5,253 |
| Credit loss provision to net charge-offs | -1,850.0000% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3249% | 5,543 |
| Assets per employee ($millions) | 4.0332% | 3,876 |
| Cash dividends to net income (ytd only)* | 21.1488% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,805 |
| Loan loss allowance to noncurrent loans | 120.1711% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0240% | 3,882 |
| Noncurrent loans to loans | 1.4573% | 3,381 |
| Net loans and leases to total assets | 58.5993% | 3,676 |
| Net loans and leases to deposits | 71.8693% | 3,194 |
| Net loans and leases to core deposits | 75.0643% | 3,460 |
| Total domestic deposits to total assets | 81.5359% | 5,349 |
| Equity capital to assets | 11.4453% | 2,463 |
| Core capital (leverage) ratio | 10.0849% | 3,288 |
| Tier 1 risk-based capital ratio | 13.6683% | 4,744 |
| Total risk-based capital ratio | 14.8918% | 4,731 |
| Memoranda: | ||
| Average total assets | $284,344,500 | 2,293 |
| Average earning assets | $263,890,500 | 2,264 |
| Average equity | $32,025,500 | 2,178 |
| Average total loans | $170,096,500 | 2,322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 3,664 |
| Cost of funding earning assets | 0.8515% | 2,279 |
| Net interest margin | 3.5872% | 4,142 |
| Noninterest income to average assets | 1.3438% | 855 |
| Noninterest expense to average assets | 2.8683% | 3,770 |
| Loan and lease loss provision to assets | 0.0911% | 4,542 |
| Net operating income to assets | 1.6359% | 710 |
| Return on assets (ROA) | 1.6415% | 776 |
| Pretax return on assets | 1.7194% | 1,092 |
| Return on Equity (ROE) | 14.7189% | 868 |
| Retained earnings to average equity (ytd only) | 6.6945% | 1,722 |
| Net charge-offs to loans | 0.2221% | 3,617 |
| Credit loss provision to net charge-offs | 67.7507% | 4,227 |
| Earnings coverage of net charge-offs (x) | 13.4228% | 1,825 |
| Efficiency ratio | 60.4288% | 5,482 |
| Assets per employee ($millions) | 4.0909% | 3,761 |
| Cash dividends to net income (ytd only)* | 54.5172% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 2,961 |
| Loan loss allowance to noncurrent loans | 132.4681% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 4,194 |
| Noncurrent loans to loans | 1.2782% | 3,700 |
| Net loans and leases to total assets | 58.9790% | 3,800 |
| Net loans and leases to deposits | 73.6050% | 3,157 |
| Net loans and leases to core deposits | 77.1738% | 3,375 |
| Total domestic deposits to total assets | 80.1291% | 5,629 |
| Equity capital to assets | 11.0831% | 2,855 |
| Core capital (leverage) ratio | 9.8259% | 3,632 |
| Tier 1 risk-based capital ratio | 13.0649% | 5,061 |
| Total risk-based capital ratio | 14.2903% | 5,018 |
| Memoranda: | ||
| Average total assets | $274,451,600 | 2,309 |
| Average earning assets | $254,714,600 | 2,277 |
| Average equity | $30,607,000 | 2,216 |
| Average total loans | $166,150,800 | 2,351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 2,258 |
| Cost of funding earning assets | 0.8974% | 2,188 |
| Net interest margin | 3.9383% | 2,766 |
| Noninterest income to average assets | 1.0112% | 1,470 |
| Noninterest expense to average assets | 2.8928% | 3,627 |
| Loan and lease loss provision to assets | 0.0737% | 4,740 |
| Net operating income to assets | 1.6280% | 796 |
| Return on assets (ROA) | 1.6360% | 864 |
| Pretax return on assets | 1.7131% | 1,231 |
| Return on Equity (ROE) | 14.6458% | 969 |
| Retained earnings to average equity (ytd only) | 6.5996% | 2,330 |
| Net charge-offs to loans | 0.1602% | 3,831 |
| Credit loss provision to net charge-offs | 75.7576% | 3,747 |
| Earnings coverage of net charge-offs (x) | 18.2881% | 1,567 |
| Efficiency ratio | 60.9715% | 5,318 |
| Assets per employee ($millions) | 3.9660% | 3,940 |
| Cash dividends to net income (ytd only)* | 54.9385% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,808 |
| Loan loss allowance to noncurrent loans | 123.4466% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 4,250 |
| Noncurrent loans to loans | 1.4560% | 3,618 |
| Net loans and leases to total assets | 59.4988% | 3,880 |
| Net loans and leases to deposits | 73.2370% | 3,408 |
| Net loans and leases to core deposits | 78.7154% | 3,362 |
| Total domestic deposits to total assets | 81.2414% | 5,282 |
| Equity capital to assets | 11.5652% | 2,687 |
| Core capital (leverage) ratio | 9.8736% | 3,723 |
| Tier 1 risk-based capital ratio | 13.3597% | 4,982 |
| Total risk-based capital ratio | 14.6171% | 4,933 |
| Memoranda: | ||
| Average total assets | $271,473,750 | 2,352 |
| Average earning assets | $252,285,750 | 2,328 |
| Average equity | $30,324,250 | 2,247 |
| Average total loans | $164,737,750 | 2,391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 2,493 |
| Cost of funding earning assets | 0.9412% | 2,110 |
| Net interest margin | 3.8624% | 3,078 |
| Noninterest income to average assets | 0.9906% | 1,492 |
| Noninterest expense to average assets | 2.8529% | 3,815 |
| Loan and lease loss provision to assets | 0.0886% | 4,466 |
| Net operating income to assets | 1.5674% | 885 |
| Return on assets (ROA) | 1.5793% | 974 |
| Pretax return on assets | 1.6539% | 1,385 |
| Return on Equity (ROE) | 14.3093% | 1,047 |
| Retained earnings to average equity (ytd only) | 4.7653% | 3,437 |
| Net charge-offs to loans | 0.2531% | 3,065 |
| Credit loss provision to net charge-offs | 57.6923% | 3,862 |
| Earnings coverage of net charge-offs (x) | 11.2596% | 1,978 |
| Efficiency ratio | 61.2669% | 5,370 |
| Assets per employee ($millions) | 3.7495% | 4,421 |
| Cash dividends to net income (ytd only)* | 66.6978% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,867 |
| Loan loss allowance to noncurrent loans | 172.4340% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 4,863 |
| Noncurrent loans to loans | 1.0412% | 4,436 |
| Net loans and leases to total assets | 58.7517% | 4,030 |
| Net loans and leases to deposits | 72.5906% | 3,519 |
| Net loans and leases to core deposits | 78.1344% | 3,495 |
| Total domestic deposits to total assets | 80.9357% | 5,486 |
| Equity capital to assets | 11.1300% | 2,987 |
| Core capital (leverage) ratio | 9.5792% | 4,035 |
| Tier 1 risk-based capital ratio | 12.5597% | 5,526 |
| Total risk-based capital ratio | 13.8162% | 5,504 |
| Memoranda: | ||
| Average total assets | $270,746,330 | 2,370 |
| Average earning assets | $251,814,000 | 2,341 |
| Average equity | $29,882,670 | 2,261 |
| Average total loans | $164,383,000 | 2,409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 2,752 |
| Cost of funding earning assets | 0.9855% | 2,067 |
| Net interest margin | 3.7866% | 3,453 |
| Noninterest income to average assets | 0.9255% | 1,648 |
| Noninterest expense to average assets | 2.8745% | 3,724 |
| Loan and lease loss provision to assets | 0.0891% | 4,247 |
| Net operating income to assets | 1.4068% | 1,215 |
| Return on assets (ROA) | 1.4068% | 1,362 |
| Pretax return on assets | 1.4722% | 1,952 |
| Return on Equity (ROE) | 12.8008% | 1,461 |
| Retained earnings to average equity (ytd only) | -1.2976% | 6,194 |
| Net charge-offs to loans | 0.4736% | 1,905 |
| Credit loss provision to net charge-offs | 30.7692% | 3,613 |
| Earnings coverage of net charge-offs (x) | 5.3897% | 2,387 |
| Efficiency ratio | 63.7977% | 4,958 |
| Assets per employee ($millions) | 3.7874% | 4,455 |
| Cash dividends to net income (ytd only)* | 110.1373% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 3,096 |
| Loan loss allowance to noncurrent loans | 171.4878% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 4,603 |
| Noncurrent loans to loans | 1.0319% | 4,625 |
| Net loans and leases to total assets | 58.8930% | 3,883 |
| Net loans and leases to deposits | 72.2964% | 3,389 |
| Net loans and leases to core deposits | 77.9117% | 3,341 |
| Total domestic deposits to total assets | 81.4605% | 5,477 |
| Equity capital to assets | 10.7737% | 3,183 |
| Core capital (leverage) ratio | 9.4282% | 4,156 |
| Tier 1 risk-based capital ratio | 12.8435% | 5,333 |
| Total risk-based capital ratio | 14.1008% | 5,302 |
| Memoranda: | ||
| Average total assets | $269,264,000 | 2,391 |
| Average earning assets | $249,617,000 | 2,369 |
| Average equity | $29,592,000 | 2,288 |
| Average total loans | $164,699,500 | 2,417 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 3,223 |
| Cost of funding earning assets | 1.1742% | 2,196 |
| Net interest margin | 3.7522% | 4,070 |
| Noninterest income to average assets | 1.0383% | 1,256 |
| Noninterest expense to average assets | 2.8643% | 4,113 |
| Loan and lease loss provision to assets | 0.1424% | 4,835 |
| Net operating income to assets | 1.4528% | 923 |
| Return on assets (ROA) | 1.4588% | 985 |
| Pretax return on assets | 1.5272% | 1,401 |
| Return on Equity (ROE) | 13.6724% | 1,022 |
| Retained earnings to average equity (ytd only) | 7.0781% | 1,461 |
| Net charge-offs to loans | 0.2596% | 4,152 |
| Credit loss provision to net charge-offs | 87.7108% | 4,111 |
| Earnings coverage of net charge-offs (x) | 10.2482% | 1,866 |
| Efficiency ratio | 61.2076% | 5,577 |
| Assets per employee ($millions) | 3.7442% | 4,451 |
| Cash dividends to net income (ytd only)* | 48.2306% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 2,788 |
| Loan loss allowance to noncurrent loans | 169.0676% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 4,504 |
| Noncurrent loans to loans | 1.0795% | 4,552 |
| Net loans and leases to total assets | 61.2715% | 3,732 |
| Net loans and leases to deposits | 76.0387% | 3,174 |
| Net loans and leases to core deposits | 81.5902% | 3,237 |
| Total domestic deposits to total assets | 80.5793% | 5,570 |
| Equity capital to assets | 11.2118% | 2,781 |
| Core capital (leverage) ratio | 9.7117% | 3,731 |
| Tier 1 risk-based capital ratio | 12.3280% | 5,598 |
| Total risk-based capital ratio | 13.5852% | 5,563 |
| Memoranda: | ||
| Average total assets | $255,697,000 | 2,460 |
| Average earning assets | $237,778,600 | 2,425 |
| Average equity | $27,281,200 | 2,372 |
| Average total loans | $159,864,200 | 2,496 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 3,340 |
| Cost of funding earning assets | 1.2153% | 2,224 |
| Net interest margin | 3.7324% | 4,195 |
| Noninterest income to average assets | 1.0681% | 1,180 |
| Noninterest expense to average assets | 2.9214% | 3,831 |
| Loan and lease loss provision to assets | 0.1591% | 4,478 |
| Net operating income to assets | 1.3965% | 1,156 |
| Return on assets (ROA) | 1.4046% | 1,220 |
| Pretax return on assets | 1.4704% | 1,733 |
| Return on Equity (ROE) | 13.3429% | 1,197 |
| Retained earnings to average equity (ytd only) | 5.5983% | 2,791 |
| Net charge-offs to loans | 0.3519% | 3,334 |
| Credit loss provision to net charge-offs | 72.2488% | 4,410 |
| Earnings coverage of net charge-offs (x) | 7.3636% | 2,371 |
| Efficiency ratio | 61.9130% | 5,423 |
| Assets per employee ($millions) | 3.7709% | 4,366 |
| Cash dividends to net income (ytd only)* | 58.0428% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 2,855 |
| Loan loss allowance to noncurrent loans | 182.2263% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 4,635 |
| Noncurrent loans to loans | 1.0004% | 4,890 |
| Net loans and leases to total assets | 62.2269% | 3,666 |
| Net loans and leases to deposits | 79.5255% | 2,715 |
| Net loans and leases to core deposits | 85.6756% | 2,819 |
| Total domestic deposits to total assets | 78.2477% | 6,142 |
| Equity capital to assets | 11.1632% | 2,993 |
| Core capital (leverage) ratio | 9.5766% | 4,027 |
| Tier 1 risk-based capital ratio | 12.5389% | 5,461 |
| Total risk-based capital ratio | 13.7953% | 5,444 |
| Memoranda: | ||
| Average total assets | $253,162,500 | 2,499 |
| Average earning assets | $235,659,750 | 2,455 |
| Average equity | $26,650,250 | 2,432 |
| Average total loans | $158,353,000 | 2,542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 3,428 |
| Cost of funding earning assets | 1.2442% | 2,292 |
| Net interest margin | 3.6985% | 4,266 |
| Noninterest income to average assets | 1.0862% | 1,096 |
| Noninterest expense to average assets | 2.9928% | 3,670 |
| Loan and lease loss provision to assets | 0.1920% | 4,005 |
| Net operating income to assets | 1.2850% | 1,357 |
| Return on assets (ROA) | 1.2972% | 1,400 |
| Pretax return on assets | 1.3575% | 1,936 |
| Return on Equity (ROE) | 12.5808% | 1,316 |
| Retained earnings to average equity (ytd only) | 3.6088% | 3,940 |
| Net charge-offs to loans | 0.3657% | 3,089 |
| Credit loss provision to net charge-offs | 84.3206% | 3,639 |
| Earnings coverage of net charge-offs (x) | 6.7491% | 2,341 |
| Efficiency ratio | 63.6539% | 5,313 |
| Assets per employee ($millions) | 3.6631% | 4,531 |
| Cash dividends to net income (ytd only)* | 71.3150% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 2,624 |
| Loan loss allowance to noncurrent loans | 104.6929% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 3,873 |
| Noncurrent loans to loans | 1.8295% | 3,714 |
| Net loans and leases to total assets | 61.4720% | 3,995 |
| Net loans and leases to deposits | 76.2926% | 3,410 |
| Net loans and leases to core deposits | 81.0353% | 3,650 |
| Total domestic deposits to total assets | 80.5740% | 5,660 |
| Equity capital to assets | 10.7203% | 3,267 |
| Core capital (leverage) ratio | 9.3583% | 4,161 |
| Tier 1 risk-based capital ratio | 12.4912% | 5,353 |
| Total risk-based capital ratio | 13.7501% | 5,323 |
| Memoranda: | ||
| Average total assets | $252,075,670 | 2,523 |
| Average earning assets | $234,690,000 | 2,480 |
| Average equity | $25,992,000 | 2,463 |
| Average total loans | $156,961,670 | 2,582 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 3,588 |
| Cost of funding earning assets | 1.2723% | 2,347 |
| Net interest margin | 3.6290% | 4,436 |
| Noninterest income to average assets | 1.0201% | 1,270 |
| Noninterest expense to average assets | 2.9745% | 3,748 |
| Loan and lease loss provision to assets | 0.1907% | 3,719 |
| Net operating income to assets | 1.1774% | 1,577 |
| Return on assets (ROA) | 1.1774% | 1,629 |
| Pretax return on assets | 1.2314% | 2,263 |
| Return on Equity (ROE) | 11.6509% | 1,561 |
| Retained earnings to average equity (ytd only) | -0.5189% | 5,886 |
| Net charge-offs to loans | 0.5376% | 2,151 |
| Credit loss provision to net charge-offs | 57.1429% | 3,598 |
| Earnings coverage of net charge-offs (x) | 4.2619% | 2,529 |
| Efficiency ratio | 65.1608% | 5,175 |
| Assets per employee ($millions) | 3.6540% | 4,643 |
| Cash dividends to net income (ytd only)* | 104.4534% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 2,586 |
| Loan loss allowance to noncurrent loans | 127.4084% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3422% | 4,288 |
| Noncurrent loans to loans | 1.5172% | 4,198 |
| Net loans and leases to total assets | 60.1453% | 4,233 |
| Net loans and leases to deposits | 74.0009% | 3,758 |
| Net loans and leases to core deposits | 79.4203% | 3,832 |
| Total domestic deposits to total assets | 81.2764% | 5,580 |
| Equity capital to assets | 10.2124% | 3,524 |
| Core capital (leverage) ratio | 9.2581% | 4,190 |
| Tier 1 risk-based capital ratio | 12.6330% | 5,133 |
| Total risk-based capital ratio | 13.8924% | 5,101 |
| Memoranda: | ||
| Average total assets | $251,736,500 | 2,554 |
| Average earning assets | $234,221,500 | 2,505 |
| Average equity | $25,440,000 | 2,501 |
| Average total loans | $156,239,000 | 2,612 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 2,849 |
| Cost of funding earning assets | 1.6247% | 1,928 |
| Net interest margin | 3.7369% | 4,194 |
| Noninterest income to average assets | 1.1001% | 1,226 |
| Noninterest expense to average assets | 3.0196% | 3,773 |
| Loan and lease loss provision to assets | 0.3976% | 3,730 |
| Net operating income to assets | 1.0752% | 1,776 |
| Return on assets (ROA) | 1.1030% | 1,770 |
| Pretax return on assets | 1.1540% | 2,380 |
| Return on Equity (ROE) | 10.8011% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.7451% | 1,429 |
| Net charge-offs to loans | 0.4591% | 3,782 |
| Credit loss provision to net charge-offs | 135.5932% | 2,859 |
| Earnings coverage of net charge-offs (x) | 5.1921% | 2,690 |
| Efficiency ratio | 64.0343% | 5,352 |
| Assets per employee ($millions) | 3.6427% | 4,599 |
| Cash dividends to net income (ytd only)* | 37.5516% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 2,420 |
| Loan loss allowance to noncurrent loans | 107.5821% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4796% | 4,098 |
| Noncurrent loans to loans | 1.8131% | 3,798 |
| Net loans and leases to total assets | 61.5754% | 4,378 |
| Net loans and leases to deposits | 77.9260% | 3,521 |
| Net loans and leases to core deposits | 83.6023% | 3,651 |
| Total domestic deposits to total assets | 79.0179% | 6,073 |
| Equity capital to assets | 9.9989% | 3,743 |
| Core capital (leverage) ratio | 9.2436% | 4,101 |
| Tier 1 risk-based capital ratio | 12.5011% | 5,022 |
| Total risk-based capital ratio | 13.7610% | 4,997 |
| Memoranda: | ||
| Average total assets | $241,424,400 | 2,622 |
| Average earning assets | $222,374,600 | 2,602 |
| Average equity | $24,654,800 | 2,585 |
| Average total loans | $154,226,200 | 2,697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 2,955 |
| Cost of funding earning assets | 1.6873% | 1,937 |
| Net interest margin | 3.6964% | 4,416 |
| Noninterest income to average assets | 1.1936% | 981 |
| Noninterest expense to average assets | 3.1410% | 3,141 |
| Loan and lease loss provision to assets | 0.4799% | 3,075 |
| Net operating income to assets | 0.9284% | 2,501 |
| Return on assets (ROA) | 0.9659% | 2,475 |
| Pretax return on assets | 1.0100% | 3,146 |
| Return on Equity (ROE) | 9.4065% | 2,344 |
| Retained earnings to average equity (ytd only) | 4.9994% | 2,990 |
| Net charge-offs to loans | 0.2904% | 4,205 |
| Credit loss provision to net charge-offs | 257.4850% | 1,284 |
| Earnings coverage of net charge-offs (x) | 7.7845% | 2,268 |
| Efficiency ratio | 65.9861% | 4,859 |
| Assets per employee ($millions) | 3.6681% | 4,569 |
| Cash dividends to net income (ytd only)* | 46.8517% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,890 |
| Loan loss allowance to noncurrent loans | 88.7742% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9737% | 3,503 |
| Noncurrent loans to loans | 2.4235% | 3,208 |
| Net loans and leases to total assets | 61.1382% | 4,691 |
| Net loans and leases to deposits | 81.0977% | 3,245 |
| Net loans and leases to core deposits | 86.1648% | 3,624 |
| Total domestic deposits to total assets | 75.3883% | 6,757 |
| Equity capital to assets | 10.4470% | 3,577 |
| Core capital (leverage) ratio | 9.1444% | 4,465 |
| Tier 1 risk-based capital ratio | 12.2836% | 5,199 |
| Total risk-based capital ratio | 13.5455% | 5,157 |
| Memoranda: | ||
| Average total assets | $238,943,750 | 2,682 |
| Average earning assets | $219,669,250 | 2,670 |
| Average equity | $24,535,500 | 2,647 |
| Average total loans | $153,321,000 | 2,757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 3,272 |
| Cost of funding earning assets | 1.7496% | 1,866 |
| Net interest margin | 3.5890% | 4,865 |
| Noninterest income to average assets | 1.1620% | 952 |
| Noninterest expense to average assets | 3.0656% | 3,444 |
| Loan and lease loss provision to assets | 0.5572% | 2,540 |
| Net operating income to assets | 0.7968% | 2,992 |
| Return on assets (ROA) | 0.7968% | 3,134 |
| Pretax return on assets | 0.8325% | 3,768 |
| Return on Equity (ROE) | 7.8076% | 2,958 |
| Retained earnings to average equity (ytd only) | 2.8384% | 4,336 |
| Net charge-offs to loans | 0.2007% | 4,408 |
| Credit loss provision to net charge-offs | 428.7582% | 844 |
| Earnings coverage of net charge-offs (x) | 10.6928% | 1,855 |
| Efficiency ratio | 66.3489% | 4,922 |
| Assets per employee ($millions) | 3.5508% | 4,797 |
| Cash dividends to net income (ytd only)* | 63.6461% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 1,699 |
| Loan loss allowance to noncurrent loans | 81.5777% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.2443% | 3,208 |
| Noncurrent loans to loans | 2.7372% | 2,911 |
| Net loans and leases to total assets | 60.3848% | 4,989 |
| Net loans and leases to deposits | 76.6793% | 4,205 |
| Net loans and leases to core deposits | 82.0222% | 4,413 |
| Total domestic deposits to total assets | 78.7499% | 6,103 |
| Equity capital to assets | 10.1655% | 3,816 |
| Core capital (leverage) ratio | 9.2608% | 4,191 |
| Tier 1 risk-based capital ratio | 12.5461% | 4,814 |
| Total risk-based capital ratio | 13.8091% | 4,786 |
| Memoranda: | ||
| Average total assets | $235,448,330 | 2,746 |
| Average earning assets | $216,051,330 | 2,732 |
| Average equity | $24,028,000 | 2,694 |
| Average total loans | $152,478,000 | 2,789 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 4,212 |
| Cost of funding earning assets | 1.7729% | 2,002 |
| Net interest margin | 3.3945% | 5,602 |
| Noninterest income to average assets | 1.1461% | 953 |
| Noninterest expense to average assets | 3.0080% | 3,650 |
| Loan and lease loss provision to assets | 0.7744% | 1,631 |
| Net operating income to assets | 0.4715% | 4,529 |
| Return on assets (ROA) | 0.4715% | 4,660 |
| Pretax return on assets | 0.4904% | 4,993 |
| Return on Equity (ROE) | 4.6110% | 4,583 |
| Retained earnings to average equity (ytd only) | -4.8970% | 6,580 |
| Net charge-offs to loans | -0.0104% | 6,901 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7809% | 4,765 |
| Assets per employee ($millions) | 3.4370% | 5,188 |
| Cash dividends to net income (ytd only)* | 206.2044% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1548% | 1,842 |
| Loan loss allowance to noncurrent loans | 63.7087% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8372% | 2,553 |
| Noncurrent loans to loans | 3.3822% | 2,367 |
| Net loans and leases to total assets | 63.7470% | 4,385 |
| Net loans and leases to deposits | 81.4259% | 3,377 |
| Net loans and leases to core deposits | 86.0081% | 3,892 |
| Total domestic deposits to total assets | 78.2883% | 6,246 |
| Equity capital to assets | 10.0872% | 3,759 |
| Core capital (leverage) ratio | 9.2488% | 4,142 |
| Tier 1 risk-based capital ratio | 12.2617% | 4,934 |
| Total risk-based capital ratio | 13.4950% | 4,924 |
| Memoranda: | ||
| Average total assets | $232,446,000 | 2,846 |
| Average earning assets | $214,111,500 | 2,816 |
| Average equity | $23,769,500 | 2,742 |
| Average total loans | $154,151,500 | 2,836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8561% | 2,417 |
| Cost of funding earning assets | 2.0302% | 2,820 |
| Net interest margin | 3.8259% | 3,594 |
| Noninterest income to average assets | 0.9977% | 1,584 |
| Noninterest expense to average assets | 3.0720% | 3,864 |
| Loan and lease loss provision to assets | 0.9237% | 2,429 |
| Net operating income to assets | 0.5108% | 3,684 |
| Return on assets (ROA) | 0.5563% | 3,586 |
| Pretax return on assets | 0.5777% | 3,963 |
| Return on Equity (ROE) | 5.3994% | 3,469 |
| Retained earnings to average equity (ytd only) | -1.5427% | 5,400 |
| Net charge-offs to loans | 1.4389% | 1,742 |
| Credit loss provision to net charge-offs | 93.5526% | 5,868 |
| Earnings coverage of net charge-offs (x) | 1.4725% | 4,655 |
| Efficiency ratio | 65.4300% | 5,506 |
| Assets per employee ($millions) | 3.3026% | 5,482 |
| Cash dividends to net income (ytd only)* | 128.5714% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,507 |
| Loan loss allowance to noncurrent loans | 48.0619% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.2261% | 2,128 |
| Noncurrent loans to loans | 3.7696% | 1,990 |
| Net loans and leases to total assets | 66.2733% | 4,086 |
| Net loans and leases to deposits | 85.9142% | 2,929 |
| Net loans and leases to core deposits | 100.7589% | 3,926 |
| Total domestic deposits to total assets | 77.1389% | 6,437 |
| Equity capital to assets | 10.3660% | 3,325 |
| Core capital (leverage) ratio | 9.3221% | 3,942 |
| Tier 1 risk-based capital ratio | 12.1323% | 4,828 |
| Total risk-based capital ratio | 13.3610% | 4,808 |
| Memoranda: | ||
| Average total assets | $234,048,000 | 2,777 |
| Average earning assets | $215,842,200 | 2,759 |
| Average equity | $24,114,000 | 2,710 |
| Average total loans | $160,609,200 | 2,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9318% | 2,309 |
| Cost of funding earning assets | 2.0804% | 2,983 |
| Net interest margin | 3.8514% | 3,425 |
| Noninterest income to average assets | 1.1699% | 1,148 |
| Noninterest expense to average assets | 3.2554% | 3,103 |
| Loan and lease loss provision to assets | 0.8235% | 2,316 |
| Net operating income to assets | 0.6202% | 3,533 |
| Return on assets (ROA) | 0.6202% | 3,582 |
| Pretax return on assets | 0.6480% | 4,027 |
| Return on Equity (ROE) | 6.0284% | 3,518 |
| Retained earnings to average equity (ytd only) | -1.6286% | 5,640 |
| Net charge-offs to loans | 0.9718% | 2,029 |
| Credit loss provision to net charge-offs | 122.9856% | 4,113 |
| Earnings coverage of net charge-offs (x) | 2.1976% | 4,174 |
| Efficiency ratio | 66.5385% | 5,280 |
| Assets per employee ($millions) | 3.3075% | 5,381 |
| Cash dividends to net income (ytd only)* | 127.0152% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 1,628 |
| Loan loss allowance to noncurrent loans | 46.0502% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 3.4683% | 1,924 |
| Noncurrent loans to loans | 4.5240% | 1,538 |
| Net loans and leases to total assets | 65.9151% | 4,454 |
| Net loans and leases to deposits | 87.6864% | 3,025 |
| Net loans and leases to core deposits | 104.8253% | 3,843 |
| Total domestic deposits to total assets | 75.1715% | 6,739 |
| Equity capital to assets | 10.6514% | 3,343 |
| Core capital (leverage) ratio | 9.2792% | 4,220 |
| Tier 1 risk-based capital ratio | 12.4102% | 4,618 |
| Total risk-based capital ratio | 13.6727% | 4,559 |
| Memoranda: | ||
| Average total assets | $234,765,250 | 2,786 |
| Average earning assets | $216,815,750 | 2,762 |
| Average equity | $24,151,500 | 2,727 |
| Average total loans | $161,752,250 | 2,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 2,185 |
| Cost of funding earning assets | 2.1525% | 3,031 |
| Net interest margin | 3.8462% | 3,352 |
| Noninterest income to average assets | 1.1499% | 1,183 |
| Noninterest expense to average assets | 3.2878% | 3,009 |
| Loan and lease loss provision to assets | 0.7081% | 2,305 |
| Net operating income to assets | 0.6708% | 3,378 |
| Return on assets (ROA) | 0.6708% | 3,492 |
| Pretax return on assets | 0.7013% | 3,985 |
| Return on Equity (ROE) | 6.5967% | 3,392 |
| Retained earnings to average equity (ytd only) | -2.7354% | 5,921 |
| Net charge-offs to loans | 0.9797% | 1,789 |
| Credit loss provision to net charge-offs | 104.1147% | 4,414 |
| Earnings coverage of net charge-offs (x) | 2.0723% | 4,041 |
| Efficiency ratio | 67.6656% | 5,220 |
| Assets per employee ($millions) | 3.2151% | 5,548 |
| Cash dividends to net income (ytd only)* | 141.4665% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 1,765 |
| Loan loss allowance to noncurrent loans | 39.8860% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.6220% | 1,709 |
| Noncurrent loans to loans | 4.7902% | 1,305 |
| Net loans and leases to total assets | 65.8186% | 4,597 |
| Net loans and leases to deposits | 86.2818% | 3,497 |
| Net loans and leases to core deposits | 104.2087% | 4,041 |
| Total domestic deposits to total assets | 76.2833% | 6,490 |
| Equity capital to assets | 10.1541% | 3,763 |
| Core capital (leverage) ratio | 9.0661% | 4,523 |
| Tier 1 risk-based capital ratio | 11.9683% | 4,951 |
| Total risk-based capital ratio | 13.2277% | 4,858 |
| Memoranda: | ||
| Average total assets | $235,844,330 | 2,795 |
| Average earning assets | $217,515,000 | 2,778 |
| Average equity | $23,981,670 | 2,757 |
| Average total loans | $163,716,670 | 2,759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9655% | 2,503 |
| Cost of funding earning assets | 2.2226% | 3,048 |
| Net interest margin | 3.7429% | 3,686 |
| Noninterest income to average assets | 1.0490% | 1,353 |
| Noninterest expense to average assets | 3.2587% | 2,767 |
| Loan and lease loss provision to assets | 0.3959% | 2,955 |
| Net operating income to assets | 0.8020% | 3,124 |
| Return on assets (ROA) | 0.8020% | 3,281 |
| Pretax return on assets | 0.8392% | 3,935 |
| Return on Equity (ROE) | 7.8814% | 3,201 |
| Retained earnings to average equity (ytd only) | -5.2543% | 6,587 |
| Net charge-offs to loans | 0.1966% | 3,459 |
| Credit loss provision to net charge-offs | 285.3659% | 1,693 |
| Earnings coverage of net charge-offs (x) | 8.9024% | 2,129 |
| Efficiency ratio | 70.0678% | 4,565 |
| Assets per employee ($millions) | 3.4737% | 4,884 |
| Cash dividends to net income (ytd only)* | 166.6667% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 1,580 |
| Loan loss allowance to noncurrent loans | 43.2702% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 3.4740% | 1,551 |
| Noncurrent loans to loans | 4.4351% | 1,306 |
| Net loans and leases to total assets | 67.6807% | 4,210 |
| Net loans and leases to deposits | 89.9165% | 2,944 |
| Net loans and leases to core deposits | 109.5151% | 3,497 |
| Total domestic deposits to total assets | 75.2706% | 6,655 |
| Equity capital to assets | 10.1258% | 3,859 |
| Core capital (leverage) ratio | 9.0329% | 4,647 |
| Tier 1 risk-based capital ratio | 11.5316% | 5,378 |
| Total risk-based capital ratio | 12.7869% | 5,270 |
| Memoranda: | ||
| Average total assets | $236,414,500 | 2,809 |
| Average earning assets | $217,583,000 | 2,789 |
| Average equity | $24,056,500 | 2,763 |
| Average total loans | $166,831,000 | 2,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3507% | 3,691 |
| Cost of funding earning assets | 2.7798% | 2,787 |
| Net interest margin | 3.5709% | 5,009 |
| Noninterest income to average assets | 1.1351% | 1,212 |
| Noninterest expense to average assets | 2.6805% | 5,335 |
| Loan and lease loss provision to assets | 0.6731% | 2,164 |
| Net operating income to assets | 1.0177% | 2,485 |
| Return on assets (ROA) | 1.0177% | 2,373 |
| Pretax return on assets | 1.0669% | 3,151 |
| Return on Equity (ROE) | 10.2389% | 2,173 |
| Retained earnings to average equity (ytd only) | 0.7207% | 4,800 |
| Net charge-offs to loans | 0.7567% | 1,637 |
| Credit loss provision to net charge-offs | 124.0625% | 4,319 |
| Earnings coverage of net charge-offs (x) | 3.2070% | 4,484 |
| Efficiency ratio | 58.1551% | 6,672 |
| Assets per employee ($millions) | 3.6403% | 4,311 |
| Cash dividends to net income (ytd only)* | 92.9613% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 1,783 |
| Loan loss allowance to noncurrent loans | 37.5758% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 3.7575% | 1,146 |
| Noncurrent loans to loans | 4.6406% | 1,019 |
| Net loans and leases to total assets | 70.8689% | 3,821 |
| Net loans and leases to deposits | 99.1451% | 1,969 |
| Net loans and leases to core deposits | 117.9902% | 2,886 |
| Total domestic deposits to total assets | 71.4800% | 7,091 |
| Equity capital to assets | 10.2253% | 3,773 |
| Core capital (leverage) ratio | 9.2424% | 4,374 |
| Tier 1 risk-based capital ratio | 11.1613% | 5,584 |
| Total risk-based capital ratio | 12.4174% | 5,462 |
| Memoranda: | ||
| Average total assets | $235,922,800 | 2,692 |
| Average earning assets | $217,062,200 | 2,688 |
| Average equity | $23,449,800 | 2,794 |
| Average total loans | $169,148,200 | 2,628 |