Home > Maquoketa State Bank > Performance and Condition Ratios
Maquoketa State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 3,410 |
| Cost of funding earning assets | 1.6536% | 1,555 |
| Net interest margin | 2.6655% | 3,873 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.1233% | 3,343 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9482% | 2,374 |
| Return on assets (ROA) | 0.9671% | 2,303 |
| Pretax return on assets | 1.1577% | 2,248 |
| Return on Equity (ROE) | 7.3900% | 3,191 |
| Retained earnings to average equity (ytd only) | 3.0783% | 3,252 |
| Net charge-offs to loans | 0.0559% | 1,300 |
| Credit loss provision to net charge-offs | 115.3153% | 1,712 |
| Earnings coverage of net charge-offs (x) | 42.2342% | 1,412 |
| Efficiency ratio | 64.2601% | 2,574 |
| Assets per employee ($millions) | 7.4293% | 1,785 |
| Cash dividends to net income (ytd only)* | 58.3485% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,445 |
| Loan loss allowance to noncurrent loans | 122.3438% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 964 |
| Noncurrent loans to loans | 0.9586% | 773 |
| Net loans and leases to total assets | 49.3400% | 3,637 |
| Net loans and leases to deposits | 64.5383% | 3,261 |
| Net loans and leases to core deposits | 66.8192% | 3,456 |
| Total domestic deposits to total assets | 76.4500% | 3,899 |
| Equity capital to assets | 13.7425% | 723 |
| Core capital (leverage) ratio | 16.5870% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $396,979,800 | 2,023 |
| Average earning assets | $371,003,000 | 2,006 |
| Average equity | $51,944,000 | 1,558 |
| Average total loans | $198,586,200 | 2,291 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 3,544 |
| Cost of funding earning assets | 1.5287% | 1,534 |
| Net interest margin | 2.6277% | 3,988 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.1222% | 3,297 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9202% | 2,617 |
| Return on assets (ROA) | 0.9338% | 2,557 |
| Pretax return on assets | 1.1056% | 2,553 |
| Return on Equity (ROE) | 7.2300% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.3090% | 3,180 |
| Net charge-offs to loans | 0.0148% | 1,869 |
| Credit loss provision to net charge-offs | -368.1818% | 4,559 |
| Earnings coverage of net charge-offs (x) | 153.1818% | 715 |
| Efficiency ratio | 65.1572% | 2,370 |
| Assets per employee ($millions) | 7.0372% | 1,935 |
| Cash dividends to net income (ytd only)* | 40.3895% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 2,769 |
| Loan loss allowance to noncurrent loans | 94.1723% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 810 |
| Noncurrent loans to loans | 1.1879% | 660 |
| Net loans and leases to total assets | 50.0200% | 3,616 |
| Net loans and leases to deposits | 64.4506% | 3,233 |
| Net loans and leases to core deposits | 66.2304% | 3,416 |
| Total domestic deposits to total assets | 77.6100% | 3,861 |
| Equity capital to assets | 12.3903% | 950 |
| Core capital (leverage) ratio | 16.5816% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $395,929,750 | 2,021 |
| Average earning assets | $369,900,000 | 2,010 |
| Average equity | $51,147,000 | 1,565 |
| Average total loans | $198,159,000 | 2,302 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,693 |
| Cost of funding earning assets | 1.3556% | 1,569 |
| Net interest margin | 2.6433% | 4,051 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.0941% | 3,361 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9618% | 2,541 |
| Return on assets (ROA) | 0.9774% | 2,481 |
| Pretax return on assets | 1.1625% | 2,467 |
| Return on Equity (ROE) | 7.4700% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.1510% | 3,433 |
| Net charge-offs to loans | 0.0233% | 1,417 |
| Credit loss provision to net charge-offs | -552.1739% | 4,603 |
| Earnings coverage of net charge-offs (x) | 102.4783% | 921 |
| Efficiency ratio | 63.7886% | 2,513 |
| Assets per employee ($millions) | 7.3232% | 1,711 |
| Cash dividends to net income (ytd only)* | 57.7915% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 2,967 |
| Loan loss allowance to noncurrent loans | 123.2637% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 993 |
| Noncurrent loans to loans | 0.8899% | 859 |
| Net loans and leases to total assets | 49.7700% | 3,579 |
| Net loans and leases to deposits | 64.9015% | 3,133 |
| Net loans and leases to core deposits | 65.8136% | 3,358 |
| Total domestic deposits to total assets | 76.6900% | 3,987 |
| Equity capital to assets | 13.0458% | 798 |
| Core capital (leverage) ratio | 16.4421% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $396,545,000 | 2,020 |
| Average earning assets | $371,205,000 | 2,008 |
| Average equity | $51,920,000 | 1,552 |
| Average total loans | $197,763,000 | 2,306 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,771 |
| Cost of funding earning assets | 1.1923% | 1,474 |
| Net interest margin | 2.6525% | 4,146 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.0479% | 3,505 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0058% | 2,511 |
| Return on assets (ROA) | 1.0244% | 2,422 |
| Pretax return on assets | 1.2259% | 2,362 |
| Return on Equity (ROE) | 7.8100% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.8103% | 2,274 |
| Net charge-offs to loans | 0.0507% | 856 |
| Credit loss provision to net charge-offs | -2,412.0000% | 4,672 |
| Earnings coverage of net charge-offs (x) | 49.5600% | 1,103 |
| Efficiency ratio | 62.1333% | 2,676 |
| Assets per employee ($millions) | 7.3486% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,139 |
| Loan loss allowance to noncurrent loans | 107.8283% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 851 |
| Noncurrent loans to loans | 1.0045% | 723 |
| Net loans and leases to total assets | 49.1400% | 3,554 |
| Net loans and leases to deposits | 64.0696% | 3,078 |
| Net loans and leases to core deposits | 65.4257% | 3,269 |
| Total domestic deposits to total assets | 76.6900% | 4,106 |
| Equity capital to assets | 13.5276% | 664 |
| Core capital (leverage) ratio | 16.3924% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $397,091,500 | 2,052 |
| Average earning assets | $371,721,500 | 2,031 |
| Average equity | $52,085,000 | 1,564 |
| Average total loans | $197,144,500 | 2,328 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2022% | 3,816 |
| Cost of funding earning assets | 0.5075% | 1,336 |
| Net interest margin | 2.6947% | 4,061 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.0270% | 3,511 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.1333% | 2,038 |
| Return on assets (ROA) | 1.0793% | 2,208 |
| Pretax return on assets | 1.3156% | 2,033 |
| Return on Equity (ROE) | 8.2200% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.0547% | 3,380 |
| Net charge-offs to loans | 0.0047% | 2,266 |
| Credit loss provision to net charge-offs | -777.7778% | 4,653 |
| Earnings coverage of net charge-offs (x) | 621.0000% | 277 |
| Efficiency ratio | 59.7682% | 3,092 |
| Assets per employee ($millions) | 7.2247% | 1,803 |
| Cash dividends to net income (ytd only)* | 50.6673% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,475 |
| Loan loss allowance to noncurrent loans | 117.8878% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 839 |
| Noncurrent loans to loans | 1.0037% | 730 |
| Net loans and leases to total assets | 49.0300% | 3,583 |
| Net loans and leases to deposits | 63.9048% | 3,053 |
| Net loans and leases to core deposits | 64.3778% | 3,241 |
| Total domestic deposits to total assets | 76.7300% | 4,199 |
| Equity capital to assets | 12.7062% | 764 |
| Core capital (leverage) ratio | 15.6667% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $409,618,800 | 1,994 |
| Average earning assets | $385,047,800 | 1,963 |
| Average equity | $53,789,000 | 1,528 |
| Average total loans | $192,416,000 | 2,292 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 3,897 |
| Cost of funding earning assets | 0.3879% | 1,377 |
| Net interest margin | 2.6065% | 4,090 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 1.9621% | 3,584 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0720% | 2,198 |
| Return on assets (ROA) | 1.0645% | 2,192 |
| Pretax return on assets | 1.2952% | 2,061 |
| Return on Equity (ROE) | 8.0400% | 3,320 |
| Retained earnings to average equity (ytd only) | 5.3099% | 2,992 |
| Net charge-offs to loans | 0.0063% | 1,925 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 463.5556% | 337 |
| Efficiency ratio | 59.2777% | 3,213 |
| Assets per employee ($millions) | 7.7760% | 1,435 |
| Cash dividends to net income (ytd only)* | 33.9909% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,339 |
| Loan loss allowance to noncurrent loans | 116.5901% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 870 |
| Noncurrent loans to loans | 1.0610% | 712 |
| Net loans and leases to total assets | 48.2400% | 3,602 |
| Net loans and leases to deposits | 62.0333% | 3,022 |
| Net loans and leases to core deposits | 62.5388% | 3,213 |
| Total domestic deposits to total assets | 77.7600% | 4,278 |
| Equity capital to assets | 11.4059% | 1,037 |
| Core capital (leverage) ratio | 15.6530% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $412,684,500 | 1,993 |
| Average earning assets | $388,409,750 | 1,967 |
| Average equity | $54,614,000 | 1,521 |
| Average total loans | $191,226,750 | 2,300 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8715% | 3,850 |
| Cost of funding earning assets | 0.3392% | 1,373 |
| Net interest margin | 2.5323% | 4,030 |
| Noninterest income to average assets | 0.8770% | 885 |
| Noninterest expense to average assets | 1.9504% | 3,571 |
| Loan and lease loss provision to assets | 0.0434% | 1,788 |
| Net operating income to assets | 1.0535% | 1,962 |
| Return on assets (ROA) | 1.0408% | 1,989 |
| Pretax return on assets | 1.2621% | 1,862 |
| Return on Equity (ROE) | 7.5105% | 3,161 |
| Retained earnings to average equity (ytd only) | 3.5705% | 3,249 |
| Net charge-offs to loans | -0.0064% | 3,427 |
| Credit loss provision to net charge-offs | -1,483.3333% | 3,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6185% | 3,343 |
| Assets per employee ($millions) | 7.7354% | 1,454 |
| Cash dividends to net income (ytd only)* | 52.4590% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,108 |
| Loan loss allowance to noncurrent loans | 100.0798% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 762 |
| Noncurrent loans to loans | 1.3162% | 598 |
| Net loans and leases to total assets | 45.8122% | 3,723 |
| Net loans and leases to deposits | 58.7789% | 3,155 |
| Net loans and leases to core deposits | 59.2312% | 3,329 |
| Total domestic deposits to total assets | 77.9398% | 4,354 |
| Equity capital to assets | 12.7145% | 719 |
| Core capital (leverage) ratio | 15.2016% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,277,667 | 2,009 |
| Average earning assets | $387,946,667 | 1,987 |
| Average equity | $56,854,000 | 1,504 |
| Average total loans | $186,605,000 | 2,335 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7551% | 3,834 |
| Cost of funding earning assets | 0.3553% | 1,165 |
| Net interest margin | 2.3998% | 4,066 |
| Noninterest income to average assets | 0.9025% | 834 |
| Noninterest expense to average assets | 1.9726% | 3,501 |
| Loan and lease loss provision to assets | 0.0429% | 1,583 |
| Net operating income to assets | 0.9690% | 1,999 |
| Return on assets (ROA) | 0.9561% | 2,045 |
| Pretax return on assets | 1.1490% | 1,985 |
| Return on Equity (ROE) | 6.6264% | 3,148 |
| Retained earnings to average equity (ytd only) | 6.6264% | 2,020 |
| Net charge-offs to loans | -0.0130% | 3,695 |
| Credit loss provision to net charge-offs | -733.3333% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0288% | 3,257 |
| Assets per employee ($millions) | 7.8645% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,322 |
| Loan loss allowance to noncurrent loans | 94.9479% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 788 |
| Noncurrent loans to loans | 1.3772% | 623 |
| Net loans and leases to total assets | 44.5812% | 3,697 |
| Net loans and leases to deposits | 57.7736% | 3,097 |
| Net loans and leases to core deposits | 58.1169% | 3,296 |
| Total domestic deposits to total assets | 77.1654% | 4,448 |
| Equity capital to assets | 13.4584% | 614 |
| Core capital (leverage) ratio | 15.2921% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,429,500 | 2,017 |
| Average earning assets | $389,531,000 | 1,990 |
| Average equity | $59,218,000 | 1,505 |
| Average total loans | $184,745,000 | 2,341 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2191% | 3,434 |
| Cost of funding earning assets | 0.4305% | 1,328 |
| Net interest margin | 2.7885% | 3,689 |
| Noninterest income to average assets | 0.8604% | 1,303 |
| Noninterest expense to average assets | 2.0591% | 3,506 |
| Loan and lease loss provision to assets | 0.0450% | 2,155 |
| Net operating income to assets | 1.1601% | 2,061 |
| Return on assets (ROA) | 1.1761% | 2,064 |
| Pretax return on assets | 1.4312% | 1,942 |
| Return on Equity (ROE) | 7.5505% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.9535% | 3,236 |
| Net charge-offs to loans | 0.0442% | 1,402 |
| Credit loss provision to net charge-offs | 225.0000% | 1,234 |
| Earnings coverage of net charge-offs (x) | 72.8000% | 1,053 |
| Efficiency ratio | 58.5657% | 3,355 |
| Assets per employee ($millions) | 7.4822% | 1,630 |
| Cash dividends to net income (ytd only)* | 47.6393% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 2,235 |
| Loan loss allowance to noncurrent loans | 201.0842% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 1,649 |
| Noncurrent loans to loans | 0.6617% | 1,511 |
| Net loans and leases to total assets | 44.2516% | 3,823 |
| Net loans and leases to deposits | 58.0647% | 3,253 |
| Net loans and leases to core deposits | 58.4737% | 3,434 |
| Total domestic deposits to total assets | 76.2108% | 4,500 |
| Equity capital to assets | 15.4289% | 443 |
| Core capital (leverage) ratio | 15.1638% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,793,000 | 1,994 |
| Average earning assets | $380,700,000 | 1,968 |
| Average equity | $62,274,000 | 1,469 |
| Average total loans | $181,091,000 | 2,380 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2189% | 3,572 |
| Cost of funding earning assets | 0.4430% | 1,399 |
| Net interest margin | 2.7759% | 3,833 |
| Noninterest income to average assets | 0.8610% | 1,344 |
| Noninterest expense to average assets | 2.0157% | 3,618 |
| Loan and lease loss provision to assets | 0.0451% | 2,095 |
| Net operating income to assets | 1.1867% | 2,213 |
| Return on assets (ROA) | 1.1941% | 2,246 |
| Pretax return on assets | 1.4536% | 2,139 |
| Return on Equity (ROE) | 7.6476% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.2490% | 3,122 |
| Net charge-offs to loans | 0.0007% | 2,429 |
| Credit loss provision to net charge-offs | 13,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 4,455.0000% | 29 |
| Efficiency ratio | 57.5026% | 3,351 |
| Assets per employee ($millions) | 7.5236% | 1,551 |
| Cash dividends to net income (ytd only)* | 31.3638% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,195 |
| Loan loss allowance to noncurrent loans | 185.0871% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 1,778 |
| Noncurrent loans to loans | 0.7328% | 1,528 |
| Net loans and leases to total assets | 43.7684% | 3,971 |
| Net loans and leases to deposits | 58.9145% | 3,332 |
| Net loans and leases to core deposits | 59.3895% | 3,517 |
| Total domestic deposits to total assets | 74.2913% | 4,628 |
| Equity capital to assets | 15.5181% | 468 |
| Core capital (leverage) ratio | 15.5632% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,731,250 | 2,012 |
| Average earning assets | $379,826,750 | 1,990 |
| Average equity | $62,257,750 | 1,488 |
| Average total loans | $181,062,500 | 2,418 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 3,685 |
| Cost of funding earning assets | 0.4577% | 1,467 |
| Net interest margin | 2.7415% | 3,899 |
| Noninterest income to average assets | 0.8773% | 1,337 |
| Noninterest expense to average assets | 2.0181% | 3,644 |
| Loan and lease loss provision to assets | 0.0449% | 2,114 |
| Net operating income to assets | 1.1749% | 2,280 |
| Return on assets (ROA) | 1.1832% | 2,317 |
| Pretax return on assets | 1.4366% | 2,223 |
| Return on Equity (ROE) | 7.5619% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,535 |
| Net charge-offs to loans | -0.0022% | 3,216 |
| Credit loss provision to net charge-offs | -4,450.0000% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8331% | 3,309 |
| Assets per employee ($millions) | 7.4634% | 1,497 |
| Cash dividends to net income (ytd only)* | 47.7816% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,218 |
| Loan loss allowance to noncurrent loans | 146.4634% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 1,655 |
| Noncurrent loans to loans | 0.9179% | 1,344 |
| Net loans and leases to total assets | 43.7345% | 4,055 |
| Net loans and leases to deposits | 58.5814% | 3,491 |
| Net loans and leases to core deposits | 59.5672% | 3,653 |
| Total domestic deposits to total assets | 74.6559% | 4,634 |
| Equity capital to assets | 15.4454% | 472 |
| Core capital (leverage) ratio | 15.0865% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,216,667 | 2,018 |
| Average earning assets | $377,534,333 | 1,985 |
| Average equity | $61,995,000 | 1,487 |
| Average total loans | $181,328,333 | 2,427 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 3,842 |
| Cost of funding earning assets | 0.4694% | 1,595 |
| Net interest margin | 2.6551% | 4,050 |
| Noninterest income to average assets | 0.9002% | 1,327 |
| Noninterest expense to average assets | 2.0335% | 3,611 |
| Loan and lease loss provision to assets | 0.0448% | 2,173 |
| Net operating income to assets | 1.1197% | 2,414 |
| Return on assets (ROA) | 1.1374% | 2,433 |
| Pretax return on assets | 1.3716% | 2,364 |
| Return on Equity (ROE) | 7.2218% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.2218% | 2,499 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3110% | 3,112 |
| Assets per employee ($millions) | 7.4439% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,538 |
| Loan loss allowance to noncurrent loans | 95.6539% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 1,262 |
| Noncurrent loans to loans | 1.3354% | 969 |
| Net loans and leases to total assets | 45.2799% | 4,020 |
| Net loans and leases to deposits | 60.2661% | 3,461 |
| Net loans and leases to core deposits | 61.3289% | 3,622 |
| Total domestic deposits to total assets | 75.1333% | 4,619 |
| Equity capital to assets | 15.3155% | 464 |
| Core capital (leverage) ratio | 15.4825% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,812,500 | 2,020 |
| Average earning assets | $374,066,500 | 1,984 |
| Average equity | $61,868,000 | 1,480 |
| Average total loans | $182,661,000 | 2,425 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 3,729 |
| Cost of funding earning assets | 0.6638% | 1,907 |
| Net interest margin | 2.9719% | 3,958 |
| Noninterest income to average assets | 0.9303% | 1,196 |
| Noninterest expense to average assets | 2.2802% | 3,463 |
| Loan and lease loss provision to assets | 0.1252% | 2,797 |
| Net operating income to assets | 1.1101% | 1,890 |
| Return on assets (ROA) | 1.1088% | 2,013 |
| Pretax return on assets | 1.3411% | 1,850 |
| Return on Equity (ROE) | 6.7414% | 3,305 |
| Retained earnings to average equity (ytd only) | 3.0753% | 3,311 |
| Net charge-offs to loans | 0.2224% | 780 |
| Credit loss provision to net charge-offs | 107.1429% | 2,751 |
| Earnings coverage of net charge-offs (x) | 12.5645% | 2,328 |
| Efficiency ratio | 60.6722% | 3,363 |
| Assets per employee ($millions) | 6.3942% | 2,007 |
| Cash dividends to net income (ytd only)* | 54.3821% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,532 |
| Loan loss allowance to noncurrent loans | 77.2135% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 953 |
| Noncurrent loans to loans | 1.6540% | 789 |
| Net loans and leases to total assets | 46.5638% | 4,090 |
| Net loans and leases to deposits | 62.9456% | 3,524 |
| Net loans and leases to core deposits | 64.3936% | 3,665 |
| Total domestic deposits to total assets | 73.9747% | 4,637 |
| Equity capital to assets | 16.2052% | 407 |
| Core capital (leverage) ratio | 15.4011% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,496,000 | 1,949 |
| Average earning assets | $352,235,400 | 1,930 |
| Average equity | $61,099,800 | 1,424 |
| Average total loans | $195,184,200 | 2,284 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 3,615 |
| Cost of funding earning assets | 0.7112% | 1,956 |
| Net interest margin | 3.0697% | 3,811 |
| Noninterest income to average assets | 0.9332% | 1,148 |
| Noninterest expense to average assets | 2.2917% | 3,444 |
| Loan and lease loss provision to assets | 0.1466% | 2,555 |
| Net operating income to assets | 1.1617% | 1,776 |
| Return on assets (ROA) | 1.1572% | 1,911 |
| Pretax return on assets | 1.3993% | 1,738 |
| Return on Equity (ROE) | 7.0093% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.5545% | 2,771 |
| Net charge-offs to loans | 0.1785% | 836 |
| Credit loss provision to net charge-offs | 152.2556% | 2,312 |
| Earnings coverage of net charge-offs (x) | 16.1165% | 2,067 |
| Efficiency ratio | 59.4727% | 3,457 |
| Assets per employee ($millions) | 6.1888% | 2,097 |
| Cash dividends to net income (ytd only)* | 35.0219% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,450 |
| Loan loss allowance to noncurrent loans | 67.5412% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 986 |
| Noncurrent loans to loans | 1.8346% | 715 |
| Net loans and leases to total assets | 50.2682% | 4,087 |
| Net loans and leases to deposits | 68.5839% | 3,425 |
| Net loans and leases to core deposits | 70.3410% | 3,603 |
| Total domestic deposits to total assets | 73.2944% | 4,616 |
| Equity capital to assets | 16.2348% | 440 |
| Core capital (leverage) ratio | 16.0692% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,456,500 | 1,948 |
| Average earning assets | $349,255,000 | 1,925 |
| Average equity | $60,831,750 | 1,422 |
| Average total loans | $198,741,500 | 2,247 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,347 |
| Cost of funding earning assets | 0.7649% | 2,020 |
| Net interest margin | 3.2272% | 3,586 |
| Noninterest income to average assets | 0.9401% | 1,092 |
| Noninterest expense to average assets | 2.3408% | 3,426 |
| Loan and lease loss provision to assets | 0.1893% | 2,131 |
| Net operating income to assets | 1.2163% | 1,596 |
| Return on assets (ROA) | 1.2103% | 1,738 |
| Pretax return on assets | 1.4657% | 1,539 |
| Return on Equity (ROE) | 7.2882% | 3,017 |
| Retained earnings to average equity (ytd only) | 3.5761% | 3,141 |
| Net charge-offs to loans | 0.2671% | 592 |
| Credit loss provision to net charge-offs | 128.8390% | 2,240 |
| Earnings coverage of net charge-offs (x) | 11.3109% | 2,100 |
| Efficiency ratio | 58.3253% | 3,652 |
| Assets per employee ($millions) | 6.0416% | 2,149 |
| Cash dividends to net income (ytd only)* | 50.9322% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,694 |
| Loan loss allowance to noncurrent loans | 102.9694% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 1,653 |
| Noncurrent loans to loans | 1.1326% | 1,388 |
| Net loans and leases to total assets | 52.5008% | 3,992 |
| Net loans and leases to deposits | 72.2440% | 3,235 |
| Net loans and leases to core deposits | 73.9231% | 3,468 |
| Total domestic deposits to total assets | 72.6715% | 4,675 |
| Equity capital to assets | 16.0979% | 462 |
| Core capital (leverage) ratio | 15.5927% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,373,333 | 1,952 |
| Average earning assets | $344,880,000 | 1,917 |
| Average equity | $60,344,333 | 1,423 |
| Average total loans | $199,888,000 | 2,221 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,846 |
| Cost of funding earning assets | 0.8642% | 2,037 |
| Net interest margin | 3.1168% | 4,056 |
| Noninterest income to average assets | 0.9381% | 983 |
| Noninterest expense to average assets | 2.5178% | 3,223 |
| Loan and lease loss provision to assets | 0.0507% | 3,145 |
| Net operating income to assets | 1.1101% | 1,813 |
| Return on assets (ROA) | 1.0892% | 1,977 |
| Pretax return on assets | 1.3012% | 1,866 |
| Return on Equity (ROE) | 6.4529% | 3,149 |
| Retained earnings to average equity (ytd only) | 6.4529% | 1,727 |
| Net charge-offs to loans | 0.4911% | 295 |
| Credit loss provision to net charge-offs | 18.4426% | 2,209 |
| Earnings coverage of net charge-offs (x) | 5.0041% | 2,092 |
| Efficiency ratio | 64.4760% | 3,156 |
| Assets per employee ($millions) | 5.8143% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,430 |
| Loan loss allowance to noncurrent loans | 86.2769% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 1,671 |
| Noncurrent loans to loans | 1.2213% | 1,337 |
| Net loans and leases to total assets | 53.3465% | 4,035 |
| Net loans and leases to deposits | 73.6957% | 3,303 |
| Net loans and leases to core deposits | 75.5430% | 3,526 |
| Total domestic deposits to total assets | 72.3876% | 4,756 |
| Equity capital to assets | 16.5538% | 504 |
| Core capital (leverage) ratio | 16.7019% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,749,500 | 1,941 |
| Average earning assets | $336,498,000 | 1,911 |
| Average equity | $59,880,500 | 1,423 |
| Average total loans | $198,738,500 | 2,198 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,581 |
| Cost of funding earning assets | 0.9902% | 1,767 |
| Net interest margin | 3.2944% | 4,002 |
| Noninterest income to average assets | 0.9381% | 1,102 |
| Noninterest expense to average assets | 2.4102% | 3,662 |
| Loan and lease loss provision to assets | 0.0353% | 3,301 |
| Net operating income to assets | 1.3387% | 1,548 |
| Return on assets (ROA) | 1.3387% | 1,625 |
| Pretax return on assets | 1.6223% | 1,423 |
| Return on Equity (ROE) | 7.7369% | 3,275 |
| Retained earnings to average equity (ytd only) | 1.5712% | 4,176 |
| Net charge-offs to loans | 0.0005% | 3,716 |
| Credit loss provision to net charge-offs | 12,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 5,628.0000% | 7 |
| Efficiency ratio | 59.0833% | 3,828 |
| Assets per employee ($millions) | 5.4476% | 2,106 |
| Cash dividends to net income (ytd only)* | 79.6920% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 2,746 |
| Loan loss allowance to noncurrent loans | 157.9640% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,150 |
| Noncurrent loans to loans | 0.7221% | 2,072 |
| Net loans and leases to total assets | 57.6070% | 3,799 |
| Net loans and leases to deposits | 78.1563% | 2,987 |
| Net loans and leases to core deposits | 80.5342% | 3,252 |
| Total domestic deposits to total assets | 73.7074% | 4,784 |
| Equity capital to assets | 17.2275% | 442 |
| Core capital (leverage) ratio | 16.6433% | 455 |
| Tier 1 risk-based capital ratio | 19.8945% | 1,343 |
| Total risk-based capital ratio | 20.6784% | 1,391 |
| Memoranda: | ||
| Average total assets | $339,508,600 | 1,948 |
| Average earning assets | $322,546,200 | 1,909 |
| Average equity | $58,744,800 | 1,390 |
| Average total loans | $198,290,600 | 2,179 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 3,685 |
| Cost of funding earning assets | 1.0028% | 1,752 |
| Net interest margin | 3.2864% | 4,112 |
| Noninterest income to average assets | 0.9301% | 1,078 |
| Noninterest expense to average assets | 2.3914% | 3,713 |
| Loan and lease loss provision to assets | 0.0354% | 3,182 |
| Net operating income to assets | 1.3416% | 1,673 |
| Return on assets (ROA) | 1.3416% | 1,747 |
| Pretax return on assets | 1.6263% | 1,539 |
| Return on Equity (ROE) | 7.7452% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.1991% | 2,796 |
| Net charge-offs to loans | -0.0202% | 4,588 |
| Credit loss provision to net charge-offs | -300.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8361% | 3,819 |
| Assets per employee ($millions) | 5.5124% | 2,021 |
| Cash dividends to net income (ytd only)* | 32.8736% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,750 |
| Loan loss allowance to noncurrent loans | 156.3014% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 2,234 |
| Noncurrent loans to loans | 0.7388% | 2,118 |
| Net loans and leases to total assets | 57.1513% | 3,956 |
| Net loans and leases to deposits | 79.9219% | 2,904 |
| Net loans and leases to core deposits | 82.2959% | 3,231 |
| Total domestic deposits to total assets | 71.5089% | 4,942 |
| Equity capital to assets | 17.7265% | 413 |
| Core capital (leverage) ratio | 17.5502% | 387 |
| Tier 1 risk-based capital ratio | 21.2205% | 1,169 |
| Total risk-based capital ratio | 22.0497% | 1,190 |
| Memoranda: | ||
| Average total assets | $338,586,750 | 1,963 |
| Average earning assets | $321,762,250 | 1,927 |
| Average equity | $58,650,000 | 1,396 |
| Average total loans | $197,866,750 | 2,200 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,724 |
| Cost of funding earning assets | 0.9995% | 1,697 |
| Net interest margin | 3.2727% | 4,193 |
| Noninterest income to average assets | 0.9220% | 1,032 |
| Noninterest expense to average assets | 2.3767% | 3,799 |
| Loan and lease loss provision to assets | 0.0356% | 3,113 |
| Net operating income to assets | 1.3433% | 1,607 |
| Return on assets (ROA) | 1.3433% | 1,671 |
| Pretax return on assets | 1.6218% | 1,480 |
| Return on Equity (ROE) | 7.8165% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.9548% | 3,270 |
| Net charge-offs to loans | -0.0505% | 4,828 |
| Credit loss provision to net charge-offs | -120.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7544% | 3,899 |
| Assets per employee ($millions) | 5.5240% | 1,942 |
| Cash dividends to net income (ytd only)* | 49.4045% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 2,814 |
| Loan loss allowance to noncurrent loans | 169.9850% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,355 |
| Noncurrent loans to loans | 0.6735% | 2,284 |
| Net loans and leases to total assets | 57.2584% | 3,984 |
| Net loans and leases to deposits | 78.4459% | 3,121 |
| Net loans and leases to core deposits | 82.3938% | 3,244 |
| Total domestic deposits to total assets | 72.9909% | 4,908 |
| Equity capital to assets | 17.2707% | 440 |
| Core capital (leverage) ratio | 16.9272% | 439 |
| Tier 1 risk-based capital ratio | 20.7502% | 1,207 |
| Total risk-based capital ratio | 21.5717% | 1,255 |
| Memoranda: | ||
| Average total assets | $337,525,670 | 1,974 |
| Average earning assets | $320,962,000 | 1,942 |
| Average equity | $58,005,330 | 1,401 |
| Average total loans | $197,953,000 | 2,203 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 3,901 |
| Cost of funding earning assets | 0.9382% | 1,847 |
| Net interest margin | 3.2524% | 4,272 |
| Noninterest income to average assets | 0.9551% | 910 |
| Noninterest expense to average assets | 2.3686% | 3,848 |
| Loan and lease loss provision to assets | 0.0358% | 2,908 |
| Net operating income to assets | 1.3634% | 1,477 |
| Return on assets (ROA) | 1.3634% | 1,520 |
| Pretax return on assets | 1.6463% | 1,355 |
| Return on Equity (ROE) | 7.9536% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.9536% | 1,682 |
| Net charge-offs to loans | 0.0142% | 2,200 |
| Credit loss provision to net charge-offs | 428.5714% | 662 |
| Earnings coverage of net charge-offs (x) | 201.2857% | 386 |
| Efficiency ratio | 58.2965% | 4,044 |
| Assets per employee ($millions) | 5.5849% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,176 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 2,160 |
| Noncurrent loans to loans | 0.8193% | 2,007 |
| Net loans and leases to total assets | 58.0430% | 3,886 |
| Net loans and leases to deposits | 79.1672% | 2,933 |
| Net loans and leases to core deposits | 83.7842% | 3,041 |
| Total domestic deposits to total assets | 73.3170% | 4,979 |
| Equity capital to assets | 17.1579% | 434 |
| Core capital (leverage) ratio | 17.6021% | 359 |
| Tier 1 risk-based capital ratio | 20.2746% | 1,290 |
| Total risk-based capital ratio | 21.0470% | 1,353 |
| Memoranda: | ||
| Average total assets | $335,044,500 | 1,996 |
| Average earning assets | $318,904,000 | 1,964 |
| Average equity | $57,433,000 | 1,408 |
| Average total loans | $197,742,500 | 2,225 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,894 |
| Cost of funding earning assets | 0.8041% | 1,505 |
| Net interest margin | 3.2447% | 4,402 |
| Noninterest income to average assets | 0.8969% | 1,181 |
| Noninterest expense to average assets | 2.3574% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3529% | 1,608 |
| Return on assets (ROA) | 1.3529% | 1,594 |
| Pretax return on assets | 1.6270% | 1,388 |
| Return on Equity (ROE) | 8.0639% | 3,404 |
| Retained earnings to average equity (ytd only) | 5.3929% | 2,539 |
| Net charge-offs to loans | -0.0010% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9901% | 4,019 |
| Assets per employee ($millions) | 5.2288% | 2,230 |
| Cash dividends to net income (ytd only)* | 33.1230% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,069 |
| Loan loss allowance to noncurrent loans | 134.6417% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 2,073 |
| Noncurrent loans to loans | 0.8207% | 1,965 |
| Net loans and leases to total assets | 58.7110% | 3,902 |
| Net loans and leases to deposits | 80.0683% | 2,949 |
| Net loans and leases to core deposits | 85.3751% | 2,966 |
| Total domestic deposits to total assets | 73.3261% | 4,987 |
| Equity capital to assets | 17.1254% | 409 |
| Core capital (leverage) ratio | 17.1195% | 397 |
| Tier 1 risk-based capital ratio | 21.0996% | 1,144 |
| Total risk-based capital ratio | 21.9096% | 1,174 |
| Memoranda: | ||
| Average total assets | $328,035,800 | 2,005 |
| Average earning assets | $312,138,800 | 1,960 |
| Average equity | $55,035,400 | 1,415 |
| Average total loans | $190,546,800 | 2,243 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,981 |
| Cost of funding earning assets | 0.7604% | 1,534 |
| Net interest margin | 3.2211% | 4,474 |
| Noninterest income to average assets | 0.9191% | 1,142 |
| Noninterest expense to average assets | 2.3554% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3553% | 1,641 |
| Return on assets (ROA) | 1.3553% | 1,651 |
| Pretax return on assets | 1.6299% | 1,488 |
| Return on Equity (ROE) | 8.1206% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.3287% | 2,473 |
| Net charge-offs to loans | -0.0268% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9280% | 3,973 |
| Assets per employee ($millions) | 5.1504% | 2,277 |
| Cash dividends to net income (ytd only)* | 22.0656% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,872 |
| Loan loss allowance to noncurrent loans | 127.1412% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 2,079 |
| Noncurrent loans to loans | 0.9091% | 1,883 |
| Net loans and leases to total assets | 56.9984% | 4,131 |
| Net loans and leases to deposits | 77.7417% | 3,258 |
| Net loans and leases to core deposits | 82.8439% | 3,264 |
| Total domestic deposits to total assets | 73.3177% | 5,035 |
| Equity capital to assets | 16.7670% | 437 |
| Core capital (leverage) ratio | 17.5361% | 370 |
| Tier 1 risk-based capital ratio | 21.3406% | 1,134 |
| Total risk-based capital ratio | 22.1804% | 1,169 |
| Memoranda: | ||
| Average total assets | $327,691,750 | 2,014 |
| Average earning assets | $311,932,750 | 1,971 |
| Average equity | $54,691,000 | 1,427 |
| Average total loans | $189,293,000 | 2,261 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,961 |
| Cost of funding earning assets | 0.7304% | 1,465 |
| Net interest margin | 3.2084% | 4,479 |
| Noninterest income to average assets | 0.9295% | 1,108 |
| Noninterest expense to average assets | 2.3391% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3717% | 1,533 |
| Return on assets (ROA) | 1.3717% | 1,535 |
| Pretax return on assets | 1.6499% | 1,339 |
| Return on Equity (ROE) | 8.2314% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.5341% | 2,807 |
| Net charge-offs to loans | -0.0592% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4700% | 4,160 |
| Assets per employee ($millions) | 4.9822% | 2,444 |
| Cash dividends to net income (ytd only)* | 32.7686% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,869 |
| Loan loss allowance to noncurrent loans | 102.9275% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 1,786 |
| Noncurrent loans to loans | 1.1397% | 1,538 |
| Net loans and leases to total assets | 57.6250% | 4,030 |
| Net loans and leases to deposits | 77.5642% | 3,197 |
| Net loans and leases to core deposits | 82.3318% | 3,215 |
| Total domestic deposits to total assets | 74.2933% | 5,020 |
| Equity capital to assets | 16.9126% | 408 |
| Core capital (leverage) ratio | 17.0642% | 387 |
| Tier 1 risk-based capital ratio | 20.9410% | 1,187 |
| Total risk-based capital ratio | 21.7904% | 1,214 |
| Memoranda: | ||
| Average total assets | $327,048,000 | 2,022 |
| Average earning assets | $311,867,330 | 1,977 |
| Average equity | $54,498,670 | 1,434 |
| Average total loans | $189,031,670 | 2,274 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 4,063 |
| Cost of funding earning assets | 0.6871% | 1,513 |
| Net interest margin | 3.1702% | 4,554 |
| Noninterest income to average assets | 0.9664% | 987 |
| Noninterest expense to average assets | 2.3320% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3790% | 1,396 |
| Return on assets (ROA) | 1.3790% | 1,413 |
| Pretax return on assets | 1.6613% | 1,216 |
| Return on Equity (ROE) | 8.3366% | 3,230 |
| Retained earnings to average equity (ytd only) | 8.3366% | 1,719 |
| Net charge-offs to loans | 0.0063% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 142 |
| Efficiency ratio | 58.2140% | 4,313 |
| Assets per employee ($millions) | 5.1845% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,233 |
| Loan loss allowance to noncurrent loans | 97.5124% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 1,900 |
| Noncurrent loans to loans | 1.1526% | 1,578 |
| Net loans and leases to total assets | 57.1604% | 4,018 |
| Net loans and leases to deposits | 76.2695% | 3,183 |
| Net loans and leases to core deposits | 81.4771% | 3,187 |
| Total domestic deposits to total assets | 74.9453% | 5,071 |
| Equity capital to assets | 16.4124% | 452 |
| Core capital (leverage) ratio | 16.9303% | 392 |
| Tier 1 risk-based capital ratio | 20.3452% | 1,285 |
| Total risk-based capital ratio | 21.1539% | 1,332 |
| Memoranda: | ||
| Average total assets | $328,651,000 | 2,025 |
| Average earning assets | $313,793,500 | 1,983 |
| Average equity | $54,363,000 | 1,438 |
| Average total loans | $189,133,000 | 2,285 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,218 |
| Cost of funding earning assets | 0.6256% | 1,430 |
| Net interest margin | 3.1240% | 4,642 |
| Noninterest income to average assets | 0.8690% | 1,358 |
| Noninterest expense to average assets | 2.3021% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1160% | 1,805 |
| Return on assets (ROA) | 1.1160% | 1,831 |
| Pretax return on assets | 1.5474% | 1,459 |
| Return on Equity (ROE) | 6.7795% | 3,392 |
| Retained earnings to average equity (ytd only) | 4.0432% | 2,756 |
| Net charge-offs to loans | 0.3595% | 703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.5037% | 3,030 |
| Efficiency ratio | 59.6195% | 4,316 |
| Assets per employee ($millions) | 4.9317% | 2,563 |
| Cash dividends to net income (ytd only)* | 40.3624% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 3,014 |
| Loan loss allowance to noncurrent loans | 92.7007% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 1,755 |
| Noncurrent loans to loans | 1.2492% | 1,412 |
| Net loans and leases to total assets | 56.6180% | 4,136 |
| Net loans and leases to deposits | 75.3594% | 3,403 |
| Net loans and leases to core deposits | 81.4003% | 3,298 |
| Total domestic deposits to total assets | 75.1306% | 5,081 |
| Equity capital to assets | 16.6726% | 432 |
| Core capital (leverage) ratio | 16.4888% | 416 |
| Tier 1 risk-based capital ratio | 20.1976% | 1,282 |
| Total risk-based capital ratio | 21.0167% | 1,332 |
| Memoranda: | ||
| Average total assets | $326,357,000 | 2,033 |
| Average earning assets | $311,366,800 | 1,984 |
| Average equity | $53,720,400 | 1,431 |
| Average total loans | $187,228,800 | 2,263 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,231 |
| Cost of funding earning assets | 0.6080% | 1,476 |
| Net interest margin | 3.1258% | 4,636 |
| Noninterest income to average assets | 0.8819% | 1,329 |
| Noninterest expense to average assets | 2.2418% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2395% | 1,547 |
| Return on assets (ROA) | 1.2395% | 1,574 |
| Pretax return on assets | 1.6229% | 1,341 |
| Return on Equity (ROE) | 7.5544% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.7255% | 2,417 |
| Net charge-offs to loans | 0.4098% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.9011% | 2,933 |
| Efficiency ratio | 57.8280% | 4,529 |
| Assets per employee ($millions) | 5.0066% | 2,438 |
| Cash dividends to net income (ytd only)* | 24.2096% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,779 |
| Loan loss allowance to noncurrent loans | 94.7103% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 1,894 |
| Noncurrent loans to loans | 1.2924% | 1,480 |
| Net loans and leases to total assets | 55.9417% | 4,237 |
| Net loans and leases to deposits | 76.1005% | 3,369 |
| Net loans and leases to core deposits | 81.8382% | 3,303 |
| Total domestic deposits to total assets | 73.5103% | 5,277 |
| Equity capital to assets | 16.8735% | 444 |
| Core capital (leverage) ratio | 16.8488% | 398 |
| Tier 1 risk-based capital ratio | 20.2952% | 1,308 |
| Total risk-based capital ratio | 21.1520% | 1,345 |
| Memoranda: | ||
| Average total assets | $326,573,250 | 2,040 |
| Average earning assets | $311,630,500 | 1,993 |
| Average equity | $53,583,500 | 1,445 |
| Average total loans | $187,424,500 | 2,276 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,199 |
| Cost of funding earning assets | 0.5864% | 1,535 |
| Net interest margin | 3.1227% | 4,624 |
| Noninterest income to average assets | 0.9255% | 1,197 |
| Noninterest expense to average assets | 2.2229% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2846% | 1,341 |
| Return on assets (ROA) | 1.2846% | 1,366 |
| Pretax return on assets | 1.6834% | 1,098 |
| Return on Equity (ROE) | 7.9035% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.1373% | 2,618 |
| Net charge-offs to loans | 0.6123% | 325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.7695% | 2,887 |
| Efficiency ratio | 56.7335% | 4,742 |
| Assets per employee ($millions) | 4.9529% | 2,447 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,950 |
| Loan loss allowance to noncurrent loans | 120.5882% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 2,283 |
| Noncurrent loans to loans | 1.0041% | 1,953 |
| Net loans and leases to total assets | 57.1463% | 4,108 |
| Net loans and leases to deposits | 78.1479% | 3,105 |
| Net loans and leases to core deposits | 84.1421% | 3,051 |
| Total domestic deposits to total assets | 73.1258% | 5,378 |
| Equity capital to assets | 16.8027% | 430 |
| Core capital (leverage) ratio | 16.3358% | 438 |
| Tier 1 risk-based capital ratio | 19.7520% | 1,421 |
| Total risk-based capital ratio | 20.5992% | 1,456 |
| Memoranda: | ||
| Average total assets | $326,955,000 | 2,038 |
| Average earning assets | $312,100,000 | 1,998 |
| Average equity | $53,141,000 | 1,457 |
| Average total loans | $188,464,000 | 2,271 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,199 |
| Cost of funding earning assets | 0.5802% | 1,508 |
| Net interest margin | 3.0908% | 4,678 |
| Noninterest income to average assets | 0.9361% | 1,153 |
| Noninterest expense to average assets | 2.1927% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2930% | 1,256 |
| Return on assets (ROA) | 1.2930% | 1,288 |
| Pretax return on assets | 1.6924% | 1,027 |
| Return on Equity (ROE) | 8.0889% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.0889% | 1,424 |
| Net charge-offs to loans | -0.0042% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 4,909 |
| Assets per employee ($millions) | 5.0690% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,690 |
| Loan loss allowance to noncurrent loans | 122.2078% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 2,087 |
| Noncurrent loans to loans | 1.2275% | 1,650 |
| Net loans and leases to total assets | 56.4767% | 4,118 |
| Net loans and leases to deposits | 76.9206% | 3,091 |
| Net loans and leases to core deposits | 83.9769% | 2,900 |
| Total domestic deposits to total assets | 73.4220% | 5,457 |
| Equity capital to assets | 16.2048% | 460 |
| Core capital (leverage) ratio | 16.1952% | 440 |
| Tier 1 risk-based capital ratio | 19.7827% | 1,429 |
| Total risk-based capital ratio | 20.8522% | 1,446 |
| Memoranda: | ||
| Average total assets | $329,464,000 | 2,043 |
| Average earning assets | $314,347,500 | 1,999 |
| Average equity | $52,664,500 | 1,467 |
| Average total loans | $189,581,000 | 2,278 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 4,036 |
| Cost of funding earning assets | 0.5912% | 1,397 |
| Net interest margin | 3.1651% | 4,549 |
| Noninterest income to average assets | 0.8064% | 1,729 |
| Noninterest expense to average assets | 2.2617% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2212% | 1,435 |
| Return on assets (ROA) | 1.2212% | 1,525 |
| Pretax return on assets | 1.5715% | 1,368 |
| Return on Equity (ROE) | 7.7467% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.6569% | 1,913 |
| Net charge-offs to loans | -0.0398% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8198% | 4,744 |
| Assets per employee ($millions) | 4.9916% | 2,405 |
| Cash dividends to net income (ytd only)* | 26.9766% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,716 |
| Loan loss allowance to noncurrent loans | 134.9857% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 2,292 |
| Noncurrent loans to loans | 1.1028% | 1,883 |
| Net loans and leases to total assets | 56.8881% | 4,179 |
| Net loans and leases to deposits | 78.6444% | 3,025 |
| Net loans and leases to core deposits | 86.3703% | 2,824 |
| Total domestic deposits to total assets | 72.3359% | 5,537 |
| Equity capital to assets | 15.7650% | 528 |
| Core capital (leverage) ratio | 15.6573% | 507 |
| Tier 1 risk-based capital ratio | 19.2794% | 1,528 |
| Total risk-based capital ratio | 20.3344% | 1,539 |
| Memoranda: | ||
| Average total assets | $329,359,600 | 2,006 |
| Average earning assets | $314,961,600 | 1,946 |
| Average equity | $51,919,000 | 1,476 |
| Average total loans | $188,624,600 | 2,220 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,147 |
| Cost of funding earning assets | 0.5921% | 1,392 |
| Net interest margin | 3.1378% | 4,676 |
| Noninterest income to average assets | 0.8089% | 1,724 |
| Noninterest expense to average assets | 2.2351% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2259% | 1,536 |
| Return on assets (ROA) | 1.2259% | 1,636 |
| Pretax return on assets | 1.5773% | 1,442 |
| Return on Equity (ROE) | 7.7767% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.5183% | 1,900 |
| Net charge-offs to loans | -0.0213% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4475% | 4,756 |
| Assets per employee ($millions) | 5.0623% | 2,299 |
| Cash dividends to net income (ytd only)* | 16.1824% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,967 |
| Loan loss allowance to noncurrent loans | 99.6781% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 1,989 |
| Noncurrent loans to loans | 1.4568% | 1,485 |
| Net loans and leases to total assets | 57.4815% | 4,140 |
| Net loans and leases to deposits | 80.0694% | 2,953 |
| Net loans and leases to core deposits | 87.3830% | 2,814 |
| Total domestic deposits to total assets | 71.7896% | 5,603 |
| Equity capital to assets | 16.1595% | 527 |
| Core capital (leverage) ratio | 15.6341% | 539 |
| Tier 1 risk-based capital ratio | 19.5017% | 1,548 |
| Total risk-based capital ratio | 20.5601% | 1,559 |
| Memoranda: | ||
| Average total assets | $329,338,250 | 2,012 |
| Average earning assets | $315,241,500 | 1,946 |
| Average equity | $51,914,500 | 1,483 |
| Average total loans | $188,219,000 | 2,227 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,248 |
| Cost of funding earning assets | 0.5901% | 1,394 |
| Net interest margin | 3.1250% | 4,762 |
| Noninterest income to average assets | 0.7643% | 1,868 |
| Noninterest expense to average assets | 2.2044% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2130% | 1,553 |
| Return on assets (ROA) | 1.2130% | 1,648 |
| Pretax return on assets | 1.5530% | 1,511 |
| Return on Equity (ROE) | 7.7600% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.8569% | 2,207 |
| Net charge-offs to loans | -0.0214% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4909% | 4,835 |
| Assets per employee ($millions) | 5.0447% | 2,256 |
| Cash dividends to net income (ytd only)* | 24.5245% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,075 |
| Loan loss allowance to noncurrent loans | 122.6590% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8762% | 2,404 |
| Noncurrent loans to loans | 1.1802% | 1,950 |
| Net loans and leases to total assets | 57.6568% | 4,150 |
| Net loans and leases to deposits | 79.4092% | 3,011 |
| Net loans and leases to core deposits | 84.3385% | 3,054 |
| Total domestic deposits to total assets | 72.6072% | 5,631 |
| Equity capital to assets | 16.0401% | 539 |
| Core capital (leverage) ratio | 15.2765% | 558 |
| Tier 1 risk-based capital ratio | 19.5804% | 1,544 |
| Total risk-based capital ratio | 20.6611% | 1,551 |
| Memoranda: | ||
| Average total assets | $329,433,670 | 2,022 |
| Average earning assets | $315,515,000 | 1,959 |
| Average equity | $51,495,000 | 1,498 |
| Average total loans | $186,981,670 | 2,244 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,344 |
| Cost of funding earning assets | 0.6008% | 1,330 |
| Net interest margin | 3.0936% | 4,879 |
| Noninterest income to average assets | 0.7171% | 1,954 |
| Noninterest expense to average assets | 2.1938% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1726% | 1,636 |
| Return on assets (ROA) | 1.1726% | 1,742 |
| Pretax return on assets | 1.4864% | 1,634 |
| Return on Equity (ROE) | 7.6004% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.6004% | 1,622 |
| Net charge-offs to loans | -0.0152% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4141% | 4,819 |
| Assets per employee ($millions) | 5.1804% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 2,012 |
| Loan loss allowance to noncurrent loans | 104.4991% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 2,255 |
| Noncurrent loans to loans | 1.4304% | 1,659 |
| Net loans and leases to total assets | 54.9381% | 4,361 |
| Net loans and leases to deposits | 74.0851% | 3,429 |
| Net loans and leases to core deposits | 78.5165% | 3,444 |
| Total domestic deposits to total assets | 74.1553% | 5,599 |
| Equity capital to assets | 15.5408% | 595 |
| Core capital (leverage) ratio | 15.1321% | 583 |
| Tier 1 risk-based capital ratio | 19.7985% | 1,547 |
| Total risk-based capital ratio | 20.8980% | 1,545 |
| Memoranda: | ||
| Average total assets | $330,198,500 | 2,025 |
| Average earning assets | $316,262,500 | 1,965 |
| Average equity | $50,944,500 | 1,510 |
| Average total loans | $184,554,500 | 2,268 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 4,592 |
| Cost of funding earning assets | 0.6331% | 1,162 |
| Net interest margin | 2.9966% | 5,145 |
| Noninterest income to average assets | 0.7612% | 1,928 |
| Noninterest expense to average assets | 2.1349% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1841% | 1,609 |
| Return on assets (ROA) | 1.1841% | 1,688 |
| Pretax return on assets | 1.4932% | 1,577 |
| Return on Equity (ROE) | 7.8817% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.1654% | 1,719 |
| Net charge-offs to loans | 0.0486% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 55.8506% | 927 |
| Efficiency ratio | 58.8430% | 5,045 |
| Assets per employee ($millions) | 5.4809% | 1,826 |
| Cash dividends to net income (ytd only)* | 21.7752% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,024 |
| Loan loss allowance to noncurrent loans | 96.1632% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 2,075 |
| Noncurrent loans to loans | 1.5565% | 1,479 |
| Net loans and leases to total assets | 55.1748% | 4,367 |
| Net loans and leases to deposits | 75.3010% | 3,342 |
| Net loans and leases to core deposits | 80.4600% | 3,298 |
| Total domestic deposits to total assets | 73.2724% | 5,706 |
| Equity capital to assets | 15.3151% | 625 |
| Core capital (leverage) ratio | 14.6623% | 677 |
| Tier 1 risk-based capital ratio | 20.0054% | 1,484 |
| Total risk-based capital ratio | 21.1357% | 1,472 |
| Memoranda: | ||
| Average total assets | $325,398,800 | 2,017 |
| Average earning assets | $311,320,200 | 1,947 |
| Average equity | $48,885,400 | 1,531 |
| Average total loans | $178,974,000 | 2,252 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 4,705 |
| Cost of funding earning assets | 0.6340% | 1,183 |
| Net interest margin | 2.9754% | 5,256 |
| Noninterest income to average assets | 0.7847% | 1,854 |
| Noninterest expense to average assets | 2.1499% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1754% | 1,732 |
| Return on assets (ROA) | 1.1754% | 1,805 |
| Pretax return on assets | 1.4806% | 1,731 |
| Return on Equity (ROE) | 7.8625% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.6616% | 1,856 |
| Net charge-offs to loans | 0.0405% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 66.7390% | 840 |
| Efficiency ratio | 59.2169% | 4,977 |
| Assets per employee ($millions) | 5.5042% | 1,781 |
| Cash dividends to net income (ytd only)* | 15.2743% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,948 |
| Loan loss allowance to noncurrent loans | 87.3239% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 2,066 |
| Noncurrent loans to loans | 1.7804% | 1,334 |
| Net loans and leases to total assets | 53.4933% | 4,618 |
| Net loans and leases to deposits | 74.4658% | 3,492 |
| Net loans and leases to core deposits | 78.9636% | 3,512 |
| Total domestic deposits to total assets | 71.8360% | 5,869 |
| Equity capital to assets | 15.0682% | 725 |
| Core capital (leverage) ratio | 14.8627% | 662 |
| Tier 1 risk-based capital ratio | 17.2841% | 2,262 |
| Total risk-based capital ratio | 18.2820% | 2,311 |
| Memoranda: | ||
| Average total assets | $324,535,750 | 2,037 |
| Average earning assets | $310,404,250 | 1,967 |
| Average equity | $48,515,750 | 1,542 |
| Average total loans | $177,667,500 | 2,274 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,722 |
| Cost of funding earning assets | 0.6347% | 1,199 |
| Net interest margin | 2.9642% | 5,308 |
| Noninterest income to average assets | 0.7829% | 1,852 |
| Noninterest expense to average assets | 2.1554% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1654% | 1,723 |
| Return on assets (ROA) | 1.1654% | 1,794 |
| Pretax return on assets | 1.4648% | 1,747 |
| Return on Equity (ROE) | 7.8170% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.0000% | 2,247 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5377% | 5,043 |
| Assets per employee ($millions) | 5.6407% | 1,626 |
| Cash dividends to net income (ytd only)* | 23.2447% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,920 |
| Loan loss allowance to noncurrent loans | 112.1057% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 2,559 |
| Noncurrent loans to loans | 1.4243% | 1,880 |
| Net loans and leases to total assets | 54.4929% | 4,508 |
| Net loans and leases to deposits | 75.0067% | 3,383 |
| Net loans and leases to core deposits | 79.7402% | 3,420 |
| Total domestic deposits to total assets | 72.6506% | 5,900 |
| Equity capital to assets | 15.0348% | 696 |
| Core capital (leverage) ratio | 14.6183% | 681 |
| Tier 1 risk-based capital ratio | 18.4110% | 1,945 |
| Total risk-based capital ratio | 19.5167% | 1,958 |
| Memoranda: | ||
| Average total assets | $322,630,670 | 2,059 |
| Average earning assets | $308,815,330 | 1,989 |
| Average equity | $48,100,000 | 1,557 |
| Average total loans | $177,072,670 | 2,286 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,808 |
| Cost of funding earning assets | 0.6295% | 1,232 |
| Net interest margin | 2.9277% | 5,390 |
| Noninterest income to average assets | 0.7575% | 1,874 |
| Noninterest expense to average assets | 2.1622% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1213% | 1,795 |
| Return on assets (ROA) | 1.1213% | 1,900 |
| Pretax return on assets | 1.3986% | 1,895 |
| Return on Equity (ROE) | 7.5531% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.5531% | 1,738 |
| Net charge-offs to loans | 0.0113% | 2,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 247 |
| Efficiency ratio | 60.7230% | 4,999 |
| Assets per employee ($millions) | 5.4996% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,988 |
| Loan loss allowance to noncurrent loans | 104.7988% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 2,454 |
| Noncurrent loans to loans | 1.5424% | 1,821 |
| Net loans and leases to total assets | 53.2529% | 4,522 |
| Net loans and leases to deposits | 73.2164% | 3,401 |
| Net loans and leases to core deposits | 77.6940% | 3,414 |
| Total domestic deposits to total assets | 72.7336% | 6,000 |
| Equity capital to assets | 14.9842% | 721 |
| Core capital (leverage) ratio | 14.7001% | 653 |
| Tier 1 risk-based capital ratio | 18.0996% | 2,107 |
| Total risk-based capital ratio | 19.1975% | 2,109 |
| Memoranda: | ||
| Average total assets | $323,185,500 | 2,064 |
| Average earning assets | $309,453,500 | 1,992 |
| Average equity | $47,980,000 | 1,568 |
| Average total loans | $176,584,500 | 2,300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,790 |
| Cost of funding earning assets | 0.6578% | 1,356 |
| Net interest margin | 3.0367% | 5,358 |
| Noninterest income to average assets | 0.8382% | 1,723 |
| Noninterest expense to average assets | 2.2182% | 5,304 |
| Loan and lease loss provision to assets | -0.0790% | 6,103 |
| Net operating income to assets | 1.2634% | 1,390 |
| Return on assets (ROA) | 1.2634% | 1,448 |
| Pretax return on assets | 1.6020% | 1,226 |
| Return on Equity (ROE) | 8.7682% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.8483% | 1,479 |
| Net charge-offs to loans | -0.2391% | 6,289 |
| Credit loss provision to net charge-offs | 59.3824% | 3,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2918% | 5,309 |
| Assets per employee ($millions) | 5.5499% | 1,728 |
| Cash dividends to net income (ytd only)* | 21.8969% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 2,087 |
| Loan loss allowance to noncurrent loans | 93.9234% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1703% | 2,426 |
| Noncurrent loans to loans | 1.7056% | 1,713 |
| Net loans and leases to total assets | 54.2702% | 4,548 |
| Net loans and leases to deposits | 76.4119% | 3,153 |
| Net loans and leases to core deposits | 81.6742% | 3,138 |
| Total domestic deposits to total assets | 71.0232% | 6,143 |
| Equity capital to assets | 14.7067% | 757 |
| Core capital (leverage) ratio | 14.3675% | 735 |
| Tier 1 risk-based capital ratio | 21.0041% | 1,404 |
| Total risk-based capital ratio | 22.2006% | 1,382 |
| Memoranda: | ||
| Average total assets | $316,286,200 | 2,057 |
| Average earning assets | $302,369,000 | 1,985 |
| Average equity | $45,573,600 | 1,578 |
| Average total loans | $176,069,000 | 2,270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 4,771 |
| Cost of funding earning assets | 0.6614% | 1,381 |
| Net interest margin | 3.0691% | 5,334 |
| Noninterest income to average assets | 0.8883% | 1,558 |
| Noninterest expense to average assets | 2.1629% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3126% | 1,338 |
| Return on assets (ROA) | 1.3126% | 1,393 |
| Pretax return on assets | 1.6590% | 1,165 |
| Return on Equity (ROE) | 9.1581% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.8641% | 1,422 |
| Net charge-offs to loans | -0.7611% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5921% | 5,600 |
| Assets per employee ($millions) | 5.3951% | 1,820 |
| Cash dividends to net income (ytd only)* | 14.1291% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 1,069 |
| Loan loss allowance to noncurrent loans | 92.7796% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 2,034 |
| Noncurrent loans to loans | 2.2792% | 1,314 |
| Net loans and leases to total assets | 54.3628% | 4,535 |
| Net loans and leases to deposits | 74.4990% | 3,371 |
| Net loans and leases to core deposits | 79.3140% | 3,399 |
| Total domestic deposits to total assets | 72.9712% | 6,097 |
| Equity capital to assets | 14.9943% | 730 |
| Core capital (leverage) ratio | 14.5603% | 709 |
| Tier 1 risk-based capital ratio | 21.3856% | 1,378 |
| Total risk-based capital ratio | 22.5860% | 1,357 |
| Memoranda: | ||
| Average total assets | $314,884,000 | 2,080 |
| Average earning assets | $300,974,000 | 2,007 |
| Average equity | $45,132,000 | 1,598 |
| Average total loans | $175,702,000 | 2,288 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,632 |
| Cost of funding earning assets | 0.6686% | 1,390 |
| Net interest margin | 3.0985% | 5,258 |
| Noninterest income to average assets | 0.9406% | 1,361 |
| Noninterest expense to average assets | 2.1557% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4331% | 992 |
| Return on assets (ROA) | 1.4331% | 1,033 |
| Pretax return on assets | 1.7488% | 932 |
| Return on Equity (ROE) | 10.1536% | 2,079 |
| Retained earnings to average equity (ytd only) | 8.1866% | 1,250 |
| Net charge-offs to loans | -1.1693% | 6,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2110% | 5,816 |
| Assets per employee ($millions) | 5.3294% | 1,844 |
| Cash dividends to net income (ytd only)* | 19.3720% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,109 |
| Loan loss allowance to noncurrent loans | 79.8792% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 1,996 |
| Noncurrent loans to loans | 2.6758% | 1,134 |
| Net loans and leases to total assets | 53.9356% | 4,550 |
| Net loans and leases to deposits | 73.8320% | 3,342 |
| Net loans and leases to core deposits | 79.0735% | 3,314 |
| Total domestic deposits to total assets | 73.0519% | 6,184 |
| Equity capital to assets | 14.6282% | 786 |
| Core capital (leverage) ratio | 14.0119% | 825 |
| Tier 1 risk-based capital ratio | 21.2845% | 1,390 |
| Total risk-based capital ratio | 22.4845% | 1,375 |
| Memoranda: | ||
| Average total assets | $315,539,330 | 2,072 |
| Average earning assets | $301,821,670 | 1,997 |
| Average equity | $44,536,000 | 1,608 |
| Average total loans | $176,340,670 | 2,278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 5,009 |
| Cost of funding earning assets | 0.6773% | 1,390 |
| Net interest margin | 2.9711% | 5,593 |
| Noninterest income to average assets | 0.7504% | 1,956 |
| Noninterest expense to average assets | 2.1994% | 5,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1528% | 1,617 |
| Return on assets (ROA) | 1.1528% | 1,688 |
| Pretax return on assets | 1.3933% | 1,767 |
| Return on Equity (ROE) | 8.3185% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.3185% | 1,490 |
| Net charge-offs to loans | -1.8576% | 6,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2187% | 5,241 |
| Assets per employee ($millions) | 5.3594% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,628 |
| Loan loss allowance to noncurrent loans | 96.0209% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 2,671 |
| Noncurrent loans to loans | 2.0289% | 1,839 |
| Net loans and leases to total assets | 54.7644% | 4,314 |
| Net loans and leases to deposits | 73.1272% | 3,187 |
| Net loans and leases to core deposits | 78.7854% | 3,115 |
| Total domestic deposits to total assets | 74.8892% | 6,166 |
| Equity capital to assets | 13.8324% | 976 |
| Core capital (leverage) ratio | 13.7704% | 902 |
| Tier 1 risk-based capital ratio | 19.7535% | 1,779 |
| Total risk-based capital ratio | 20.9540% | 1,762 |
| Memoranda: | ||
| Average total assets | $316,092,000 | 2,076 |
| Average earning assets | $302,375,500 | 1,999 |
| Average equity | $43,806,000 | 1,619 |
| Average total loans | $177,863,000 | 2,259 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 5,093 |
| Cost of funding earning assets | 0.7920% | 1,256 |
| Net interest margin | 2.9214% | 5,748 |
| Noninterest income to average assets | 0.7437% | 2,318 |
| Noninterest expense to average assets | 2.0758% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1665% | 1,693 |
| Return on assets (ROA) | 1.1701% | 1,741 |
| Pretax return on assets | 1.4600% | 1,582 |
| Return on Equity (ROE) | 8.6490% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.7555% | 1,552 |
| Net charge-offs to loans | 0.0445% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 60.9867% | 682 |
| Efficiency ratio | 58.7817% | 5,638 |
| Assets per employee ($millions) | 4.9305% | 2,271 |
| Cash dividends to net income (ytd only)* | 21.8928% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 3,109 |
| Loan loss allowance to noncurrent loans | 87.6066% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 3,096 |
| Noncurrent loans to loans | 1.7317% | 2,319 |
| Net loans and leases to total assets | 55.8407% | 4,342 |
| Net loans and leases to deposits | 76.5456% | 2,911 |
| Net loans and leases to core deposits | 81.2506% | 2,982 |
| Total domestic deposits to total assets | 72.9510% | 6,361 |
| Equity capital to assets | 13.8857% | 937 |
| Core capital (leverage) ratio | 13.5030% | 956 |
| Tier 1 risk-based capital ratio | 19.7505% | 1,716 |
| Total risk-based capital ratio | 20.9459% | 1,697 |
| Memoranda: | ||
| Average total assets | $314,243,200 | 2,047 |
| Average earning assets | $299,855,000 | 1,981 |
| Average equity | $42,513,400 | 1,655 |
| Average total loans | $168,493,200 | 2,320 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 5,125 |
| Cost of funding earning assets | 0.8166% | 1,225 |
| Net interest margin | 2.8972% | 5,823 |
| Noninterest income to average assets | 0.7607% | 2,317 |
| Noninterest expense to average assets | 2.0819% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1528% | 1,797 |
| Return on assets (ROA) | 1.1575% | 1,851 |
| Pretax return on assets | 1.4482% | 1,771 |
| Return on Equity (ROE) | 8.6119% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.3434% | 1,712 |
| Net charge-offs to loans | -0.0568% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0756% | 5,545 |
| Assets per employee ($millions) | 4.9131% | 2,281 |
| Cash dividends to net income (ytd only)* | 14.7295% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 2,714 |
| Loan loss allowance to noncurrent loans | 80.2905% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 3,073 |
| Noncurrent loans to loans | 2.0849% | 2,148 |
| Net loans and leases to total assets | 52.6597% | 4,798 |
| Net loans and leases to deposits | 72.3241% | 3,473 |
| Net loans and leases to core deposits | 76.0327% | 3,611 |
| Total domestic deposits to total assets | 72.8107% | 6,444 |
| Equity capital to assets | 13.6044% | 1,077 |
| Core capital (leverage) ratio | 13.7427% | 940 |
| Tier 1 risk-based capital ratio | 20.1759% | 1,693 |
| Total risk-based capital ratio | 21.3706% | 1,677 |
| Memoranda: | ||
| Average total assets | $315,148,750 | 2,054 |
| Average earning assets | $300,603,750 | 1,982 |
| Average equity | $42,358,750 | 1,664 |
| Average total loans | $166,585,250 | 2,344 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 5,026 |
| Cost of funding earning assets | 0.8416% | 1,191 |
| Net interest margin | 2.8970% | 5,805 |
| Noninterest income to average assets | 0.7692% | 2,333 |
| Noninterest expense to average assets | 2.1003% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1477% | 1,758 |
| Return on assets (ROA) | 1.1548% | 1,840 |
| Pretax return on assets | 1.4414% | 1,795 |
| Return on Equity (ROE) | 8.6264% | 2,783 |
| Retained earnings to average equity (ytd only) | 6.7173% | 2,029 |
| Net charge-offs to loans | -0.0711% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4507% | 5,548 |
| Assets per employee ($millions) | 5.1149% | 1,977 |
| Cash dividends to net income (ytd only)* | 22.1307% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 2,800 |
| Loan loss allowance to noncurrent loans | 92.4572% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 3,465 |
| Noncurrent loans to loans | 1.8317% | 2,594 |
| Net loans and leases to total assets | 52.2243% | 4,829 |
| Net loans and leases to deposits | 71.2610% | 3,548 |
| Net loans and leases to core deposits | 73.5307% | 3,867 |
| Total domestic deposits to total assets | 73.2859% | 6,486 |
| Equity capital to assets | 13.2689% | 1,232 |
| Core capital (leverage) ratio | 13.1821% | 1,104 |
| Tier 1 risk-based capital ratio | 19.8011% | 1,766 |
| Total risk-based capital ratio | 20.9958% | 1,759 |
| Memoranda: | ||
| Average total assets | $315,386,330 | 2,053 |
| Average earning assets | $300,864,330 | 1,982 |
| Average equity | $42,219,330 | 1,673 |
| Average total loans | $165,980,330 | 2,356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,974 |
| Cost of funding earning assets | 0.8541% | 1,233 |
| Net interest margin | 2.9015% | 5,810 |
| Noninterest income to average assets | 0.7531% | 2,324 |
| Noninterest expense to average assets | 2.1156% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1301% | 1,743 |
| Return on assets (ROA) | 1.1442% | 1,815 |
| Pretax return on assets | 1.4281% | 1,774 |
| Return on Equity (ROE) | 8.5106% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.5106% | 1,559 |
| Net charge-offs to loans | -0.0554% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,586 |
| Assets per employee ($millions) | 5.1396% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 3,164 |
| Loan loss allowance to noncurrent loans | 98.1232% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0494% | 3,837 |
| Noncurrent loans to loans | 1.6928% | 3,005 |
| Net loans and leases to total assets | 51.4830% | 4,774 |
| Net loans and leases to deposits | 70.9032% | 3,342 |
| Net loans and leases to core deposits | 73.5400% | 3,635 |
| Total domestic deposits to total assets | 72.6102% | 6,626 |
| Equity capital to assets | 13.4581% | 1,226 |
| Core capital (leverage) ratio | 13.0410% | 1,101 |
| Tier 1 risk-based capital ratio | 19.4263% | 1,930 |
| Total risk-based capital ratio | 20.6144% | 1,918 |
| Memoranda: | ||
| Average total assets | $317,075,500 | 2,064 |
| Average earning assets | $303,011,500 | 1,987 |
| Average equity | $42,629,000 | 1,674 |
| Average total loans | $166,095,000 | 2,363 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 5,096 |
| Cost of funding earning assets | 1.0197% | 1,255 |
| Net interest margin | 3.0427% | 5,945 |
| Noninterest income to average assets | 0.7554% | 2,465 |
| Noninterest expense to average assets | 2.0770% | 6,172 |
| Loan and lease loss provision to assets | -0.0390% | 6,856 |
| Net operating income to assets | 1.2715% | 1,392 |
| Return on assets (ROA) | 1.2715% | 1,543 |
| Pretax return on assets | 1.6203% | 1,332 |
| Return on Equity (ROE) | 9.5099% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.1065% | 2,015 |
| Net charge-offs to loans | -0.1195% | 6,866 |
| Credit loss provision to net charge-offs | 61.2245% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7748% | 5,974 |
| Assets per employee ($millions) | 5.0886% | 2,116 |
| Cash dividends to net income (ytd only)* | 35.7873% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 3,081 |
| Loan loss allowance to noncurrent loans | 94.8240% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 3,850 |
| Noncurrent loans to loans | 1.7525% | 2,983 |
| Net loans and leases to total assets | 51.5436% | 4,973 |
| Net loans and leases to deposits | 71.2840% | 3,523 |
| Net loans and leases to core deposits | 73.9933% | 3,780 |
| Total domestic deposits to total assets | 72.3074% | 6,675 |
| Equity capital to assets | 13.4306% | 1,256 |
| Core capital (leverage) ratio | 12.7084% | 1,234 |
| Tier 1 risk-based capital ratio | 19.3854% | 1,846 |
| Total risk-based capital ratio | 20.5728% | 1,839 |
| Memoranda: | ||
| Average total assets | $307,658,000 | 2,092 |
| Average earning assets | $293,521,200 | 2,011 |
| Average equity | $41,136,200 | 1,697 |
| Average total loans | $164,011,600 | 2,369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 4,984 |
| Cost of funding earning assets | 1.0739% | 1,174 |
| Net interest margin | 3.0763% | 5,991 |
| Noninterest income to average assets | 0.7441% | 2,511 |
| Noninterest expense to average assets | 2.1044% | 6,151 |
| Loan and lease loss provision to assets | 0.0567% | 5,027 |
| Net operating income to assets | 1.1977% | 1,750 |
| Return on assets (ROA) | 1.1977% | 1,924 |
| Pretax return on assets | 1.5152% | 1,826 |
| Return on Equity (ROE) | 8.9677% | 2,819 |
| Retained earnings to average equity (ytd only) | 7.5373% | 1,836 |
| Net charge-offs to loans | 0.0049% | 5,689 |
| Credit loss provision to net charge-offs | 2,166.6667% | 125 |
| Earnings coverage of net charge-offs (x) | 600.6513% | 69 |
| Efficiency ratio | 57.2429% | 5,889 |
| Assets per employee ($millions) | 5.1151% | 2,035 |
| Cash dividends to net income (ytd only)* | 15.9506% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 3,009 |
| Loan loss allowance to noncurrent loans | 94.8440% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1300% | 4,030 |
| Noncurrent loans to loans | 1.8314% | 3,032 |
| Net loans and leases to total assets | 51.5381% | 5,110 |
| Net loans and leases to deposits | 70.6041% | 3,815 |
| Net loans and leases to core deposits | 73.0379% | 4,114 |
| Total domestic deposits to total assets | 72.9959% | 6,678 |
| Equity capital to assets | 13.7808% | 1,240 |
| Core capital (leverage) ratio | 13.0421% | 1,179 |
| Tier 1 risk-based capital ratio | 19.9140% | 1,783 |
| Total risk-based capital ratio | 21.1014% | 1,770 |
| Memoranda: | ||
| Average total assets | $305,698,500 | 2,125 |
| Average earning assets | $291,379,000 | 2,049 |
| Average equity | $40,827,000 | 1,726 |
| Average total loans | $163,673,000 | 2,409 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 4,870 |
| Cost of funding earning assets | 1.1255% | 1,109 |
| Net interest margin | 3.0966% | 6,020 |
| Noninterest income to average assets | 0.7442% | 2,446 |
| Noninterest expense to average assets | 2.0944% | 6,239 |
| Loan and lease loss provision to assets | 0.0780% | 4,638 |
| Net operating income to assets | 1.2008% | 1,716 |
| Return on assets (ROA) | 1.2008% | 1,912 |
| Pretax return on assets | 1.5225% | 1,796 |
| Return on Equity (ROE) | 9.0882% | 2,780 |
| Retained earnings to average equity (ytd only) | 6.9166% | 2,151 |
| Net charge-offs to loans | 0.0049% | 5,435 |
| Credit loss provision to net charge-offs | 2,975.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 610.7500% | 60 |
| Efficiency ratio | 56.6844% | 6,041 |
| Assets per employee ($millions) | 5.2159% | 1,911 |
| Cash dividends to net income (ytd only)* | 23.8953% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 3,182 |
| Loan loss allowance to noncurrent loans | 115.5473% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 4,446 |
| Noncurrent loans to loans | 1.4805% | 3,692 |
| Net loans and leases to total assets | 52.0365% | 5,092 |
| Net loans and leases to deposits | 70.4048% | 3,837 |
| Net loans and leases to core deposits | 72.6233% | 4,223 |
| Total domestic deposits to total assets | 73.9104% | 6,687 |
| Equity capital to assets | 13.3576% | 1,363 |
| Core capital (leverage) ratio | 12.5674% | 1,324 |
| Tier 1 risk-based capital ratio | 19.3771% | 1,880 |
| Total risk-based capital ratio | 20.5661% | 1,861 |
| Memoranda: | ||
| Average total assets | $305,296,330 | 2,125 |
| Average earning assets | $290,901,330 | 2,044 |
| Average equity | $40,338,000 | 1,732 |
| Average total loans | $164,574,330 | 2,403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 4,781 |
| Cost of funding earning assets | 1.1862% | 1,048 |
| Net interest margin | 3.1030% | 6,029 |
| Noninterest income to average assets | 0.7524% | 2,385 |
| Noninterest expense to average assets | 2.1284% | 6,208 |
| Loan and lease loss provision to assets | 0.0789% | 4,414 |
| Net operating income to assets | 1.1892% | 1,769 |
| Return on assets (ROA) | 1.1892% | 1,954 |
| Pretax return on assets | 1.5009% | 1,866 |
| Return on Equity (ROE) | 9.0504% | 2,802 |
| Retained earnings to average equity (ytd only) | 9.0504% | 1,574 |
| Net charge-offs to loans | -0.0024% | 5,731 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3962% | 5,991 |
| Assets per employee ($millions) | 4.8946% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,539 |
| Loan loss allowance to noncurrent loans | 102.7840% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 4,411 |
| Noncurrent loans to loans | 1.6055% | 3,707 |
| Net loans and leases to total assets | 52.8044% | 4,908 |
| Net loans and leases to deposits | 70.8427% | 3,610 |
| Net loans and leases to core deposits | 72.9172% | 4,031 |
| Total domestic deposits to total assets | 74.5375% | 6,695 |
| Equity capital to assets | 13.1023% | 1,399 |
| Core capital (leverage) ratio | 12.5980% | 1,293 |
| Tier 1 risk-based capital ratio | 19.4866% | 1,845 |
| Total risk-based capital ratio | 20.6783% | 1,828 |
| Memoranda: | ||
| Average total assets | $304,076,500 | 2,140 |
| Average earning assets | $289,658,000 | 2,064 |
| Average equity | $39,954,000 | 1,739 |
| Average total loans | $165,400,500 | 2,412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 4,303 |
| Cost of funding earning assets | 1.4279% | 926 |
| Net interest margin | 3.2582% | 5,937 |
| Noninterest income to average assets | 0.7658% | 2,257 |
| Noninterest expense to average assets | 2.1028% | 6,486 |
| Loan and lease loss provision to assets | 0.1930% | 4,255 |
| Net operating income to assets | 1.2344% | 1,421 |
| Return on assets (ROA) | 1.2357% | 1,519 |
| Pretax return on assets | 1.5702% | 1,277 |
| Return on Equity (ROE) | 9.7829% | 2,133 |
| Retained earnings to average equity (ytd only) | 7.5395% | 1,259 |
| Net charge-offs to loans | 0.2422% | 4,264 |
| Credit loss provision to net charge-offs | 144.3038% | 2,001 |
| Earnings coverage of net charge-offs (x) | 13.1722% | 1,559 |
| Efficiency ratio | 54.4156% | 6,473 |
| Assets per employee ($millions) | 4.8354% | 2,399 |
| Cash dividends to net income (ytd only)* | 22.9315% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 3,520 |
| Loan loss allowance to noncurrent loans | 116.0730% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 4,706 |
| Noncurrent loans to loans | 1.3931% | 4,056 |
| Net loans and leases to total assets | 54.2272% | 5,003 |
| Net loans and leases to deposits | 73.3113% | 3,615 |
| Net loans and leases to core deposits | 75.4266% | 4,052 |
| Total domestic deposits to total assets | 73.9685% | 6,721 |
| Equity capital to assets | 13.1777% | 1,405 |
| Core capital (leverage) ratio | 12.3443% | 1,415 |
| Tier 1 risk-based capital ratio | 19.1946% | 1,844 |
| Total risk-based capital ratio | 20.3876% | 1,826 |
| Memoranda: | ||
| Average total assets | $295,369,200 | 2,165 |
| Average earning assets | $280,892,600 | 2,088 |
| Average equity | $37,310,000 | 1,806 |
| Average total loans | $163,102,400 | 2,456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 4,404 |
| Cost of funding earning assets | 1.4580% | 996 |
| Net interest margin | 3.2533% | 6,004 |
| Noninterest income to average assets | 0.7730% | 2,182 |
| Noninterest expense to average assets | 2.1355% | 6,442 |
| Loan and lease loss provision to assets | 0.1767% | 4,265 |
| Net operating income to assets | 1.2202% | 1,599 |
| Return on assets (ROA) | 1.2220% | 1,703 |
| Pretax return on assets | 1.5578% | 1,494 |
| Return on Equity (ROE) | 9.7819% | 2,284 |
| Retained earnings to average equity (ytd only) | 8.3311% | 1,377 |
| Net charge-offs to loans | 0.2649% | 3,787 |
| Credit loss provision to net charge-offs | 120.7430% | 2,686 |
| Earnings coverage of net charge-offs (x) | 11.8358% | 1,777 |
| Efficiency ratio | 55.2132% | 6,369 |
| Assets per employee ($millions) | 4.9175% | 2,301 |
| Cash dividends to net income (ytd only)* | 14.8313% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,735 |
| Loan loss allowance to noncurrent loans | 90.9510% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 4,479 |
| Noncurrent loans to loans | 1.7424% | 3,712 |
| Net loans and leases to total assets | 53.0630% | 5,311 |
| Net loans and leases to deposits | 71.6146% | 4,043 |
| Net loans and leases to core deposits | 73.5688% | 4,515 |
| Total domestic deposits to total assets | 74.0952% | 6,746 |
| Equity capital to assets | 12.9961% | 1,616 |
| Core capital (leverage) ratio | 12.6123% | 1,383 |
| Tier 1 risk-based capital ratio | 18.8124% | 1,982 |
| Total risk-based capital ratio | 20.0067% | 1,970 |
| Memoranda: | ||
| Average total assets | $294,263,000 | 2,176 |
| Average earning assets | $279,913,250 | 2,101 |
| Average equity | $36,761,000 | 1,833 |
| Average total loans | $162,567,500 | 2,475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 4,102 |
| Cost of funding earning assets | 1.4890% | 1,042 |
| Net interest margin | 3.3096% | 5,830 |
| Noninterest income to average assets | 0.7518% | 2,252 |
| Noninterest expense to average assets | 2.1015% | 6,588 |
| Loan and lease loss provision to assets | 0.1430% | 4,518 |
| Net operating income to assets | 1.2813% | 1,365 |
| Return on assets (ROA) | 1.2813% | 1,433 |
| Pretax return on assets | 1.6548% | 1,148 |
| Return on Equity (ROE) | 10.3998% | 1,987 |
| Retained earnings to average equity (ytd only) | 8.1788% | 1,393 |
| Net charge-offs to loans | 0.3746% | 3,059 |
| Credit loss provision to net charge-offs | 68.5246% | 4,090 |
| Earnings coverage of net charge-offs (x) | 8.6164% | 2,034 |
| Efficiency ratio | 53.8947% | 6,629 |
| Assets per employee ($millions) | 4.5887% | 2,705 |
| Cash dividends to net income (ytd only)* | 21.3561% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 4,178 |
| Loan loss allowance to noncurrent loans | 80.2473% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 4,749 |
| Noncurrent loans to loans | 1.8567% | 3,672 |
| Net loans and leases to total assets | 54.9128% | 5,159 |
| Net loans and leases to deposits | 73.2461% | 3,908 |
| Net loans and leases to core deposits | 76.4718% | 4,254 |
| Total domestic deposits to total assets | 74.9703% | 6,729 |
| Equity capital to assets | 12.9483% | 1,544 |
| Core capital (leverage) ratio | 12.2903% | 1,458 |
| Tier 1 risk-based capital ratio | 18.7853% | 1,912 |
| Total risk-based capital ratio | 19.9879% | 1,892 |
| Memoranda: | ||
| Average total assets | $292,361,330 | 2,199 |
| Average earning assets | $278,036,330 | 2,118 |
| Average equity | $36,020,000 | 1,859 |
| Average total loans | $162,845,000 | 2,499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 4,261 |
| Cost of funding earning assets | 1.5087% | 1,130 |
| Net interest margin | 3.2492% | 5,926 |
| Noninterest income to average assets | 0.7088% | 2,527 |
| Noninterest expense to average assets | 2.1129% | 6,601 |
| Loan and lease loss provision to assets | 0.0803% | 5,004 |
| Net operating income to assets | 1.2463% | 1,392 |
| Return on assets (ROA) | 1.2463% | 1,446 |
| Pretax return on assets | 1.6041% | 1,182 |
| Return on Equity (ROE) | 10.3755% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.3755% | 1,030 |
| Net charge-offs to loans | 0.0367% | 4,594 |
| Credit loss provision to net charge-offs | 393.3333% | 849 |
| Earnings coverage of net charge-offs (x) | 82.5333% | 371 |
| Efficiency ratio | 55.6431% | 6,541 |
| Assets per employee ($millions) | 4.8263% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,870 |
| Loan loss allowance to noncurrent loans | 73.1434% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 4,547 |
| Noncurrent loans to loans | 2.1473% | 3,386 |
| Net loans and leases to total assets | 54.0907% | 5,291 |
| Net loans and leases to deposits | 71.6241% | 4,121 |
| Net loans and leases to core deposits | 74.1439% | 4,525 |
| Total domestic deposits to total assets | 75.5202% | 6,735 |
| Equity capital to assets | 12.2526% | 1,760 |
| Core capital (leverage) ratio | 12.1690% | 1,469 |
| Tier 1 risk-based capital ratio | 17.9474% | 2,133 |
| Total risk-based capital ratio | 19.1564% | 2,116 |
| Memoranda: | ||
| Average total assets | $293,997,500 | 2,199 |
| Average earning assets | $279,451,000 | 2,115 |
| Average equity | $35,314,000 | 1,881 |
| Average total loans | $163,693,500 | 2,509 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 4,200 |
| Cost of funding earning assets | 1.7474% | 1,387 |
| Net interest margin | 3.3287% | 5,877 |
| Noninterest income to average assets | 1.2947% | 875 |
| Noninterest expense to average assets | 2.2335% | 6,532 |
| Loan and lease loss provision to assets | 0.2859% | 4,514 |
| Net operating income to assets | 1.6489% | 571 |
| Return on assets (ROA) | 1.6507% | 614 |
| Pretax return on assets | 1.9358% | 558 |
| Return on Equity (ROE) | 13.8832% | 908 |
| Retained earnings to average equity (ytd only) | 7.6907% | 1,083 |
| Net charge-offs to loans | 0.0353% | 6,449 |
| Credit loss provision to net charge-offs | 1,413.7931% | 163 |
| Earnings coverage of net charge-offs (x) | 109.7759% | 227 |
| Efficiency ratio | 50.1566% | 7,115 |
| Assets per employee ($millions) | 4.5874% | 2,729 |
| Cash dividends to net income (ytd only)* | 44.6040% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 3,965 |
| Loan loss allowance to noncurrent loans | 120.5116% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 5,546 |
| Noncurrent loans to loans | 1.2512% | 4,631 |
| Net loans and leases to total assets | 55.5548% | 5,410 |
| Net loans and leases to deposits | 74.9825% | 4,028 |
| Net loans and leases to core deposits | 78.2301% | 4,431 |
| Total domestic deposits to total assets | 74.0903% | 6,885 |
| Equity capital to assets | 11.7700% | 2,061 |
| Core capital (leverage) ratio | 11.7215% | 1,714 |
| Tier 1 risk-based capital ratio | 17.9808% | 2,006 |
| Total risk-based capital ratio | 19.1909% | 1,978 |
| Memoranda: | ||
| Average total assets | $286,855,000 | 2,233 |
| Average earning assets | $272,177,600 | 2,169 |
| Average equity | $34,106,000 | 1,940 |
| Average total loans | $164,533,800 | 2,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 4,059 |
| Cost of funding earning assets | 1.7717% | 1,543 |
| Net interest margin | 3.3828% | 5,736 |
| Noninterest income to average assets | 0.7247% | 2,681 |
| Noninterest expense to average assets | 2.2545% | 6,451 |
| Loan and lease loss provision to assets | 0.2712% | 4,418 |
| Net operating income to assets | 1.1022% | 1,877 |
| Return on assets (ROA) | 1.1043% | 1,979 |
| Pretax return on assets | 1.4110% | 1,851 |
| Return on Equity (ROE) | 9.2643% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.6954% | 1,518 |
| Net charge-offs to loans | 0.0260% | 6,307 |
| Credit loss provision to net charge-offs | 1,812.5000% | 173 |
| Earnings coverage of net charge-offs (x) | 112.2383% | 280 |
| Efficiency ratio | 57.3092% | 6,375 |
| Assets per employee ($millions) | 4.7739% | 2,487 |
| Cash dividends to net income (ytd only)* | 16.9348% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 4,521 |
| Loan loss allowance to noncurrent loans | 84.2125% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 5,137 |
| Noncurrent loans to loans | 1.6501% | 4,168 |
| Net loans and leases to total assets | 56.5602% | 5,475 |
| Net loans and leases to deposits | 77.7601% | 3,870 |
| Net loans and leases to core deposits | 81.0412% | 4,378 |
| Total domestic deposits to total assets | 72.7367% | 7,061 |
| Equity capital to assets | 12.3942% | 1,915 |
| Core capital (leverage) ratio | 12.0563% | 1,641 |
| Tier 1 risk-based capital ratio | 17.8951% | 2,052 |
| Total risk-based capital ratio | 19.0997% | 2,028 |
| Memoranda: | ||
| Average total assets | $285,170,500 | 2,277 |
| Average earning assets | $270,541,250 | 2,210 |
| Average equity | $33,993,500 | 1,969 |
| Average total loans | $164,266,750 | 2,600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 4,431 |
| Cost of funding earning assets | 1.7713% | 1,763 |
| Net interest margin | 3.3325% | 5,891 |
| Noninterest income to average assets | 0.7080% | 2,659 |
| Noninterest expense to average assets | 2.2195% | 6,603 |
| Loan and lease loss provision to assets | 0.3294% | 3,765 |
| Net operating income to assets | 1.0467% | 2,025 |
| Return on assets (ROA) | 1.0500% | 2,090 |
| Pretax return on assets | 1.3282% | 2,008 |
| Return on Equity (ROE) | 8.9278% | 2,500 |
| Retained earnings to average equity (ytd only) | 6.5391% | 2,061 |
| Net charge-offs to loans | -0.0268% | 7,329 |
| Credit loss provision to net charge-offs | -2,131.8182% | 6,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3087% | 6,472 |
| Assets per employee ($millions) | 4.4378% | 2,986 |
| Cash dividends to net income (ytd only)* | 26.7559% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,679 |
| Loan loss allowance to noncurrent loans | 62.0747% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3116% | 4,524 |
| Noncurrent loans to loans | 2.1752% | 3,505 |
| Net loans and leases to total assets | 58.1712% | 5,387 |
| Net loans and leases to deposits | 80.2716% | 3,555 |
| Net loans and leases to core deposits | 83.4835% | 4,213 |
| Total domestic deposits to total assets | 72.4680% | 7,140 |
| Equity capital to assets | 12.1822% | 1,991 |
| Core capital (leverage) ratio | 11.5328% | 1,900 |
| Tier 1 risk-based capital ratio | 17.6178% | 2,072 |
| Total risk-based capital ratio | 18.8044% | 2,051 |
| Memoranda: | ||
| Average total assets | $284,749,670 | 2,302 |
| Average earning assets | $270,426,330 | 2,225 |
| Average equity | $33,491,000 | 1,987 |
| Average total loans | $164,259,000 | 2,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 4,886 |
| Cost of funding earning assets | 1.7439% | 2,156 |
| Net interest margin | 3.2855% | 6,026 |
| Noninterest income to average assets | 0.6543% | 2,903 |
| Noninterest expense to average assets | 2.2023% | 6,683 |
| Loan and lease loss provision to assets | 0.3606% | 3,211 |
| Net operating income to assets | 0.9773% | 2,272 |
| Return on assets (ROA) | 0.9773% | 2,331 |
| Pretax return on assets | 1.2097% | 2,332 |
| Return on Equity (ROE) | 8.4560% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.4560% | 1,547 |
| Net charge-offs to loans | 0.0098% | 5,454 |
| Credit loss provision to net charge-offs | 6,475.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 114 |
| Efficiency ratio | 58.3764% | 6,427 |
| Assets per employee ($millions) | 4.8282% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,515 |
| Loan loss allowance to noncurrent loans | 68.3145% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 5,095 |
| Noncurrent loans to loans | 1.7538% | 4,120 |
| Net loans and leases to total assets | 56.6481% | 5,656 |
| Net loans and leases to deposits | 76.4317% | 4,333 |
| Net loans and leases to core deposits | 82.5034% | 4,416 |
| Total domestic deposits to total assets | 74.1160% | 7,031 |
| Equity capital to assets | 11.5837% | 2,305 |
| Core capital (leverage) ratio | 11.5573% | 1,878 |
| Tier 1 risk-based capital ratio | 17.3409% | 2,127 |
| Total risk-based capital ratio | 18.3975% | 2,172 |
| Memoranda: | ||
| Average total assets | $287,334,500 | 2,334 |
| Average earning assets | $272,714,500 | 2,266 |
| Average equity | $33,207,000 | 2,017 |
| Average total loans | $163,958,000 | 2,703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3396% | 4,985 |
| Cost of funding earning assets | 2.0322% | 2,809 |
| Net interest margin | 3.3074% | 5,711 |
| Noninterest income to average assets | 0.7433% | 2,718 |
| Noninterest expense to average assets | 2.2570% | 6,853 |
| Loan and lease loss provision to assets | 0.4947% | 3,898 |
| Net operating income to assets | 0.9310% | 2,076 |
| Return on assets (ROA) | 0.9316% | 2,131 |
| Pretax return on assets | 1.1321% | 2,153 |
| Return on Equity (ROE) | 8.1856% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.6785% | 1,483 |
| Net charge-offs to loans | 0.9649% | 2,475 |
| Credit loss provision to net charge-offs | 86.3636% | 6,120 |
| Earnings coverage of net charge-offs (x) | 2.8387% | 3,668 |
| Efficiency ratio | 58.1244% | 6,742 |
| Assets per employee ($millions) | 4.5964% | 2,772 |
| Cash dividends to net income (ytd only)* | 30.6279% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 6,028 |
| Loan loss allowance to noncurrent loans | 59.6630% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 4,984 |
| Noncurrent loans to loans | 1.7970% | 3,939 |
| Net loans and leases to total assets | 56.1751% | 5,926 |
| Net loans and leases to deposits | 74.8639% | 4,898 |
| Net loans and leases to core deposits | 87.9502% | 5,335 |
| Total domestic deposits to total assets | 75.0362% | 6,858 |
| Equity capital to assets | 11.5297% | 2,300 |
| Core capital (leverage) ratio | 11.2114% | 2,094 |
| Tier 1 risk-based capital ratio | 17.2535% | 2,088 |
| Total risk-based capital ratio | 18.1903% | 2,135 |
| Memoranda: | ||
| Average total assets | $280,371,400 | 2,346 |
| Average earning assets | $266,161,800 | 2,274 |
| Average equity | $31,909,800 | 2,101 |
| Average total loans | $166,439,400 | 2,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 5,034 |
| Cost of funding earning assets | 2.0804% | 2,982 |
| Net interest margin | 3.3007% | 5,640 |
| Noninterest income to average assets | 0.7325% | 2,811 |
| Noninterest expense to average assets | 2.3135% | 6,662 |
| Loan and lease loss provision to assets | 0.5133% | 3,334 |
| Net operating income to assets | 0.8581% | 2,584 |
| Return on assets (ROA) | 0.8581% | 2,649 |
| Pretax return on assets | 1.0391% | 2,775 |
| Return on Equity (ROE) | 7.5646% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.8808% | 2,009 |
| Net charge-offs to loans | 1.2140% | 1,678 |
| Credit loss provision to net charge-offs | 70.4456% | 5,978 |
| Earnings coverage of net charge-offs (x) | 2.1304% | 4,225 |
| Efficiency ratio | 59.8444% | 6,437 |
| Assets per employee ($millions) | 4.5416% | 2,795 |
| Cash dividends to net income (ytd only)* | 22.2593% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 6,725 |
| Loan loss allowance to noncurrent loans | 48.7979% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 4,872 |
| Noncurrent loans to loans | 1.8625% | 3,823 |
| Net loans and leases to total assets | 58.1588% | 5,865 |
| Net loans and leases to deposits | 78.7096% | 4,616 |
| Net loans and leases to core deposits | 94.0356% | 5,013 |
| Total domestic deposits to total assets | 73.8903% | 6,966 |
| Equity capital to assets | 11.7032% | 2,432 |
| Core capital (leverage) ratio | 11.3269% | 2,174 |
| Tier 1 risk-based capital ratio | 16.9350% | 2,296 |
| Total risk-based capital ratio | 17.7414% | 2,382 |
| Memoranda: | ||
| Average total assets | $279,220,000 | 2,365 |
| Average earning assets | $265,067,250 | 2,295 |
| Average equity | $31,673,000 | 2,136 |
| Average total loans | $167,594,000 | 2,680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4385% | 4,949 |
| Cost of funding earning assets | 2.1239% | 3,165 |
| Net interest margin | 3.3146% | 5,499 |
| Noninterest income to average assets | 0.7370% | 2,782 |
| Noninterest expense to average assets | 2.3115% | 6,727 |
| Loan and lease loss provision to assets | 0.4734% | 3,157 |
| Net operating income to assets | 0.8914% | 2,487 |
| Return on assets (ROA) | 0.8914% | 2,602 |
| Pretax return on assets | 1.0954% | 2,653 |
| Return on Equity (ROE) | 7.9434% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.3831% | 2,299 |
| Net charge-offs to loans | 0.0107% | 6,416 |
| Credit loss provision to net charge-offs | 7,322.2222% | 67 |
| Earnings coverage of net charge-offs (x) | 242.6667% | 167 |
| Efficiency ratio | 59.5705% | 6,611 |
| Assets per employee ($millions) | 4.5030% | 2,771 |
| Cash dividends to net income (ytd only)* | 32.2321% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 2,948 |
| Loan loss allowance to noncurrent loans | 119.3948% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 5,410 |
| Noncurrent loans to loans | 1.2992% | 4,605 |
| Net loans and leases to total assets | 59.1969% | 5,805 |
| Net loans and leases to deposits | 80.5197% | 4,469 |
| Net loans and leases to core deposits | 96.1023% | 4,894 |
| Total domestic deposits to total assets | 73.5186% | 7,034 |
| Equity capital to assets | 11.3187% | 2,663 |
| Core capital (leverage) ratio | 11.0627% | 2,358 |
| Tier 1 risk-based capital ratio | 16.6766% | 2,402 |
| Total risk-based capital ratio | 17.9060% | 2,354 |
| Memoranda: | ||
| Average total assets | $278,433,000 | 2,392 |
| Average earning assets | $264,041,000 | 2,311 |
| Average equity | $31,246,000 | 2,167 |
| Average total loans | $168,370,000 | 2,702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 5,401 |
| Cost of funding earning assets | 2.1653% | 3,340 |
| Net interest margin | 3.2389% | 5,725 |
| Noninterest income to average assets | 0.7265% | 2,723 |
| Noninterest expense to average assets | 2.1895% | 6,897 |
| Loan and lease loss provision to assets | 0.5164% | 2,402 |
| Net operating income to assets | 0.8861% | 2,753 |
| Return on assets (ROA) | 0.8861% | 2,903 |
| Pretax return on assets | 1.0847% | 3,045 |
| Return on Equity (ROE) | 7.9307% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.9307% | 1,840 |
| Net charge-offs to loans | -0.0024% | 7,121 |
| Credit loss provision to net charge-offs | -35,900.0000% | 6,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7609% | 6,736 |
| Assets per employee ($millions) | 4.5601% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 3,666 |
| Loan loss allowance to noncurrent loans | 190.9241% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 6,194 |
| Noncurrent loans to loans | 0.7182% | 5,623 |
| Net loans and leases to total assets | 59.8363% | 5,688 |
| Net loans and leases to deposits | 79.5872% | 4,679 |
| Net loans and leases to core deposits | 95.1783% | 5,046 |
| Total domestic deposits to total assets | 75.1833% | 6,668 |
| Equity capital to assets | 11.2768% | 2,744 |
| Core capital (leverage) ratio | 11.2390% | 2,309 |
| Tier 1 risk-based capital ratio | 16.4187% | 2,542 |
| Total risk-based capital ratio | 17.6523% | 2,497 |
| Memoranda: | ||
| Average total assets | $278,057,000 | 2,400 |
| Average earning assets | $263,053,500 | 2,336 |
| Average equity | $31,069,000 | 2,186 |
| Average total loans | $168,618,500 | 2,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1318% | 4,886 |
| Cost of funding earning assets | 2.7220% | 3,055 |
| Net interest margin | 3.4099% | 5,621 |
| Noninterest income to average assets | 0.7567% | 2,748 |
| Noninterest expense to average assets | 2.2279% | 6,900 |
| Loan and lease loss provision to assets | 0.1568% | 5,362 |
| Net operating income to assets | 1.1845% | 1,831 |
| Return on assets (ROA) | 1.1845% | 1,759 |
| Pretax return on assets | 1.5530% | 1,531 |
| Return on Equity (ROE) | 10.4924% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.7598% | 2,794 |
| Net charge-offs to loans | 0.1236% | 5,000 |
| Credit loss provision to net charge-offs | 206.8966% | 2,341 |
| Earnings coverage of net charge-offs (x) | 22.5616% | 1,467 |
| Efficiency ratio | 56.5794% | 6,932 |
| Assets per employee ($millions) | 4.2762% | 2,997 |
| Cash dividends to net income (ytd only)* | 64.1664% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 4,849 |
| Loan loss allowance to noncurrent loans | 526.6846% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 7,045 |
| Noncurrent loans to loans | 0.2202% | 6,730 |
| Net loans and leases to total assets | 59.9122% | 5,920 |
| Net loans and leases to deposits | 79.5059% | 5,132 |
| Net loans and leases to core deposits | 93.8741% | 5,457 |
| Total domestic deposits to total assets | 75.3556% | 6,378 |
| Equity capital to assets | 11.0703% | 2,979 |
| Core capital (leverage) ratio | 11.1209% | 2,491 |
| Tier 1 risk-based capital ratio | 16.1072% | 2,624 |
| Total risk-based capital ratio | 17.1513% | 2,643 |
| Memoranda: | ||
| Average total assets | $267,870,800 | 2,397 |
| Average earning assets | $249,892,200 | 2,371 |
| Average equity | $30,241,000 | 2,243 |
| Average total loans | $164,255,200 | 2,709 |