Home > Marion Center Bank > Performance and Condition Ratios
Marion Center 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 | 4.4301% | 3,229 |
| Cost of funding earning assets | 1.5627% | 1,786 |
| Net interest margin | 2.8673% | 3,544 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.6369% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3685% | 3,930 |
| Return on assets (ROA) | 0.3360% | 3,973 |
| Pretax return on assets | 0.3665% | 4,013 |
| Return on Equity (ROE) | 8.0400% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.8966% | 2,995 |
| Net charge-offs to loans | 0.0099% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 53.7931% | 1,250 |
| Efficiency ratio | 86.8499% | 521 |
| Assets per employee ($millions) | 5.2811% | 3,407 |
| Cash dividends to net income (ytd only)* | 51.5613% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,434 |
| Loan loss allowance to noncurrent loans | 91.3246% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8018% | 637 |
| Noncurrent loans to loans | 1.0682% | 685 |
| Net loans and leases to total assets | 74.2800% | 1,316 |
| Net loans and leases to deposits | 83.0514% | 1,855 |
| Net loans and leases to core deposits | 92.2781% | 1,886 |
| Total domestic deposits to total assets | 89.4400% | 933 |
| Equity capital to assets | 4.4374% | 4,472 |
| Core capital (leverage) ratio | 6.9799% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3918% | 2,741 |
| Memoranda: | ||
| Average total assets | $390,725,600 | 2,042 |
| Average earning assets | $369,994,200 | 2,009 |
| Average equity | $16,321,800 | 3,153 |
| Average total loans | $293,092,200 | 1,817 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 3,199 |
| Cost of funding earning assets | 1.4374% | 1,771 |
| Net interest margin | 2.9117% | 3,519 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.6600% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3840% | 3,991 |
| Return on assets (ROA) | 0.3395% | 4,072 |
| Pretax return on assets | 0.3697% | 4,094 |
| Return on Equity (ROE) | 8.2600% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.9007% | 3,533 |
| Net charge-offs to loans | 0.0073% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 76.3750% | 1,070 |
| Efficiency ratio | 86.3677% | 500 |
| Assets per employee ($millions) | 5.1584% | 3,470 |
| Cash dividends to net income (ytd only)* | 64.8785% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,386 |
| Loan loss allowance to noncurrent loans | 85.6313% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 615 |
| Noncurrent loans to loans | 1.1651% | 674 |
| Net loans and leases to total assets | 74.6700% | 1,273 |
| Net loans and leases to deposits | 81.7361% | 1,924 |
| Net loans and leases to core deposits | 90.2923% | 1,911 |
| Total domestic deposits to total assets | 91.3600% | 591 |
| Equity capital to assets | 3.7626% | 4,425 |
| Core capital (leverage) ratio | 7.0144% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4316% | 2,742 |
| Memoranda: | ||
| Average total assets | $388,066,000 | 2,048 |
| Average earning assets | $367,333,250 | 2,015 |
| Average equity | $15,949,750 | 3,175 |
| Average total loans | $291,100,500 | 1,825 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,188 |
| Cost of funding earning assets | 1.3069% | 1,689 |
| Net interest margin | 2.9486% | 3,565 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.6219% | 1,868 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4133% | 3,982 |
| Return on assets (ROA) | 0.4101% | 3,993 |
| Pretax return on assets | 0.4613% | 4,027 |
| Return on Equity (ROE) | 9.7000% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.5506% | 3,067 |
| Net charge-offs to loans | -0.0028% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.0378% | 591 |
| Assets per employee ($millions) | 5.2894% | 3,332 |
| Cash dividends to net income (ytd only)* | 53.0895% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,292 |
| Loan loss allowance to noncurrent loans | 87.3663% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 555 |
| Noncurrent loans to loans | 1.1794% | 598 |
| Net loans and leases to total assets | 74.1600% | 1,269 |
| Net loans and leases to deposits | 81.6608% | 1,855 |
| Net loans and leases to core deposits | 89.9991% | 1,797 |
| Total domestic deposits to total assets | 90.8100% | 702 |
| Equity capital to assets | 4.1828% | 4,488 |
| Core capital (leverage) ratio | 7.1523% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5403% | 2,755 |
| Memoranda: | ||
| Average total assets | $386,740,667 | 2,056 |
| Average earning assets | $366,204,667 | 2,028 |
| Average equity | $16,349,333 | 3,155 |
| Average total loans | $289,570,000 | 1,825 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,978 |
| Cost of funding earning assets | 1.1933% | 1,472 |
| Net interest margin | 3.0372% | 3,506 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.8043% | 1,424 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3444% | 4,178 |
| Return on assets (ROA) | 0.3444% | 4,133 |
| Pretax return on assets | 0.3736% | 4,165 |
| Return on Equity (ROE) | 8.1000% | 3,263 |
| Retained earnings to average equity (ytd only) | 2.2769% | 3,656 |
| Net charge-offs to loans | 0.0042% | 1,829 |
| Credit loss provision to net charge-offs | 1,066.6667% | 346 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 660 |
| Efficiency ratio | 87.1886% | 460 |
| Assets per employee ($millions) | 5.0515% | 3,626 |
| Cash dividends to net income (ytd only)* | 71.9033% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,323 |
| Loan loss allowance to noncurrent loans | 88.5833% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 513 |
| Noncurrent loans to loans | 1.1781% | 596 |
| Net loans and leases to total assets | 73.9700% | 1,207 |
| Net loans and leases to deposits | 78.7613% | 1,908 |
| Net loans and leases to core deposits | 86.3124% | 1,846 |
| Total domestic deposits to total assets | 93.9200% | 178 |
| Equity capital to assets | 4.4062% | 4,507 |
| Core capital (leverage) ratio | 7.0937% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6462% | 2,820 |
| Memoranda: | ||
| Average total assets | $384,405,000 | 2,087 |
| Average earning assets | $364,019,000 | 2,058 |
| Average equity | $16,338,000 | 3,190 |
| Average total loans | $287,711,500 | 1,848 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 2,196 |
| Cost of funding earning assets | 0.5394% | 1,161 |
| Net interest margin | 3.2891% | 2,596 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.6706% | 1,624 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6052% | 3,872 |
| Return on assets (ROA) | 0.6048% | 3,824 |
| Pretax return on assets | 0.7130% | 3,821 |
| Return on Equity (ROE) | 12.4200% | 2,001 |
| Retained earnings to average equity (ytd only) | 7.9942% | 1,830 |
| Net charge-offs to loans | 0.0962% | 749 |
| Credit loss provision to net charge-offs | 72.4638% | 1,716 |
| Earnings coverage of net charge-offs (x) | 10.8804% | 2,174 |
| Efficiency ratio | 77.7473% | 865 |
| Assets per employee ($millions) | 4.9992% | 3,679 |
| Cash dividends to net income (ytd only)* | 35.6481% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,212 |
| Loan loss allowance to noncurrent loans | 84.3332% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 484 |
| Noncurrent loans to loans | 1.2193% | 575 |
| Net loans and leases to total assets | 74.1600% | 1,202 |
| Net loans and leases to deposits | 80.2033% | 1,757 |
| Net loans and leases to core deposits | 87.6309% | 1,638 |
| Total domestic deposits to total assets | 92.4700% | 532 |
| Equity capital to assets | 4.0300% | 4,517 |
| Core capital (leverage) ratio | 6.8467% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4620% | 2,873 |
| Memoranda: | ||
| Average total assets | $392,864,800 | 2,049 |
| Average earning assets | $373,538,400 | 2,015 |
| Average equity | $19,126,400 | 3,027 |
| Average total loans | $286,760,000 | 1,784 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 2,017 |
| Cost of funding earning assets | 0.4800% | 841 |
| Net interest margin | 3.2304% | 2,530 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.6302% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6279% | 3,758 |
| Return on assets (ROA) | 0.6308% | 3,700 |
| Pretax return on assets | 0.7483% | 3,695 |
| Return on Equity (ROE) | 12.4300% | 1,899 |
| Retained earnings to average equity (ytd only) | 8.3274% | 1,874 |
| Net charge-offs to loans | 0.1122% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9.1535% | 2,030 |
| Efficiency ratio | 77.9290% | 921 |
| Assets per employee ($millions) | 5.0767% | 3,615 |
| Cash dividends to net income (ytd only)* | 33.0300% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,786 |
| Loan loss allowance to noncurrent loans | 75.2350% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 509 |
| Noncurrent loans to loans | 1.2288% | 594 |
| Net loans and leases to total assets | 73.9100% | 1,106 |
| Net loans and leases to deposits | 82.5798% | 1,396 |
| Net loans and leases to core deposits | 87.7502% | 1,428 |
| Total domestic deposits to total assets | 89.5000% | 1,873 |
| Equity capital to assets | 3.7076% | 4,512 |
| Core capital (leverage) ratio | 6.6624% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7775% | 3,071 |
| Memoranda: | ||
| Average total assets | $394,846,500 | 2,065 |
| Average earning assets | $375,838,250 | 2,022 |
| Average equity | $20,029,750 | 2,993 |
| Average total loans | $286,341,000 | 1,780 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 1,712 |
| Cost of funding earning assets | 0.4522% | 686 |
| Net interest margin | 3.1901% | 2,221 |
| Noninterest income to average assets | 0.2956% | 3,393 |
| Noninterest expense to average assets | 2.5969% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6232% | 3,561 |
| Return on assets (ROA) | 0.6275% | 3,496 |
| Pretax return on assets | 0.7451% | 3,464 |
| Return on Equity (ROE) | 11.3155% | 1,885 |
| Retained earnings to average equity (ytd only) | 7.5252% | 1,805 |
| Net charge-offs to loans | 0.1446% | 447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.1281% | 1,865 |
| Efficiency ratio | 77.8238% | 1,097 |
| Assets per employee ($millions) | 5.0239% | 3,656 |
| Cash dividends to net income (ytd only)* | 33.4963% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,687 |
| Loan loss allowance to noncurrent loans | 103.8026% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 792 |
| Noncurrent loans to loans | 0.9440% | 888 |
| Net loans and leases to total assets | 72.2863% | 1,075 |
| Net loans and leases to deposits | 79.2707% | 1,441 |
| Net loans and leases to core deposits | 84.4494% | 1,424 |
| Total domestic deposits to total assets | 91.1892% | 1,152 |
| Equity capital to assets | 4.4443% | 4,567 |
| Core capital (leverage) ratio | 6.8353% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0345% | 3,011 |
| Memoranda: | ||
| Average total assets | $391,082,667 | 2,085 |
| Average earning assets | $372,835,667 | 2,058 |
| Average equity | $21,687,000 | 2,926 |
| Average total loans | $280,798,667 | 1,804 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 1,380 |
| Cost of funding earning assets | 0.4519% | 648 |
| Net interest margin | 3.2008% | 1,879 |
| Noninterest income to average assets | 0.2999% | 3,318 |
| Noninterest expense to average assets | 2.6379% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6086% | 3,368 |
| Return on assets (ROA) | 0.6172% | 3,323 |
| Pretax return on assets | 0.7306% | 3,306 |
| Return on Equity (ROE) | 10.1050% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.6298% | 2,019 |
| Net charge-offs to loans | -0.0217% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5517% | 1,267 |
| Assets per employee ($millions) | 4.7769% | 3,942 |
| Cash dividends to net income (ytd only)* | 34.3907% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,312 |
| Loan loss allowance to noncurrent loans | 98.8041% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 690 |
| Noncurrent loans to loans | 1.1165% | 797 |
| Net loans and leases to total assets | 70.8306% | 939 |
| Net loans and leases to deposits | 76.0966% | 1,433 |
| Net loans and leases to core deposits | 81.3982% | 1,389 |
| Total domestic deposits to total assets | 93.0798% | 255 |
| Equity capital to assets | 5.5215% | 4,658 |
| Core capital (leverage) ratio | 6.8991% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4059% | 2,993 |
| Memoranda: | ||
| Average total assets | $388,180,500 | 2,104 |
| Average earning assets | $370,909,000 | 2,072 |
| Average equity | $23,711,000 | 2,854 |
| Average total loans | $276,331,000 | 1,810 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 1,868 |
| Cost of funding earning assets | 0.5791% | 605 |
| Net interest margin | 3.2199% | 2,554 |
| Noninterest income to average assets | 0.2998% | 3,603 |
| Noninterest expense to average assets | 2.5395% | 2,060 |
| Loan and lease loss provision to assets | 0.1318% | 925 |
| Net operating income to assets | 0.5929% | 3,891 |
| Return on assets (ROA) | 0.6352% | 3,845 |
| Pretax return on assets | 0.7575% | 3,822 |
| Return on Equity (ROE) | 9.2416% | 2,809 |
| Retained earnings to average equity (ytd only) | 5.3209% | 2,663 |
| Net charge-offs to loans | 0.0944% | 888 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 12.7280% | 2,104 |
| Efficiency ratio | 75.1658% | 1,192 |
| Assets per employee ($millions) | 4.9928% | 3,735 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,339 |
| Loan loss allowance to noncurrent loans | 91.5989% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 685 |
| Noncurrent loans to loans | 1.2053% | 798 |
| Net loans and leases to total assets | 69.9734% | 1,047 |
| Net loans and leases to deposits | 76.1440% | 1,553 |
| Net loans and leases to core deposits | 81.3397% | 1,501 |
| Total domestic deposits to total assets | 91.8962% | 206 |
| Equity capital to assets | 6.6912% | 4,764 |
| Core capital (leverage) ratio | 6.7971% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3027% | 3,016 |
| Memoranda: | ||
| Average total assets | $379,254,600 | 2,064 |
| Average earning assets | $362,621,800 | 2,029 |
| Average equity | $26,067,000 | 2,780 |
| Average total loans | $264,807,800 | 1,860 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 2,020 |
| Cost of funding earning assets | 0.6103% | 609 |
| Net interest margin | 3.1871% | 2,768 |
| Noninterest income to average assets | 0.3012% | 3,629 |
| Noninterest expense to average assets | 2.5296% | 2,034 |
| Loan and lease loss provision to assets | 0.0531% | 1,924 |
| Net operating income to assets | 0.6370% | 3,934 |
| Return on assets (ROA) | 0.6990% | 3,835 |
| Pretax return on assets | 0.8392% | 3,818 |
| Return on Equity (ROE) | 10.1010% | 2,704 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,636 |
| Net charge-offs to loans | 0.1068% | 709 |
| Credit loss provision to net charge-offs | 71.4286% | 1,749 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,016 |
| Efficiency ratio | 75.5736% | 1,068 |
| Assets per employee ($millions) | 4.9177% | 3,777 |
| Cash dividends to net income (ytd only)* | 36.2532% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,852 |
| Loan loss allowance to noncurrent loans | 80.6138% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 808 |
| Noncurrent loans to loans | 1.2389% | 895 |
| Net loans and leases to total assets | 68.8357% | 1,214 |
| Net loans and leases to deposits | 76.2361% | 1,648 |
| Net loans and leases to core deposits | 81.3787% | 1,623 |
| Total domestic deposits to total assets | 90.2929% | 637 |
| Equity capital to assets | 6.7570% | 4,849 |
| Core capital (leverage) ratio | 6.7812% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1203% | 3,081 |
| Memoranda: | ||
| Average total assets | $376,709,500 | 2,102 |
| Average earning assets | $360,030,750 | 2,057 |
| Average equity | $26,069,250 | 2,814 |
| Average total loans | $262,124,000 | 1,902 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 2,146 |
| Cost of funding earning assets | 0.6279% | 646 |
| Net interest margin | 3.1422% | 2,917 |
| Noninterest income to average assets | 0.3023% | 3,624 |
| Noninterest expense to average assets | 2.4681% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6903% | 3,781 |
| Return on assets (ROA) | 0.7668% | 3,667 |
| Pretax return on assets | 0.9279% | 3,601 |
| Return on Equity (ROE) | 10.9893% | 2,426 |
| Retained earnings to average equity (ytd only) | 7.0507% | 2,412 |
| Net charge-offs to loans | 0.1053% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.4044% | 1,763 |
| Efficiency ratio | 74.7023% | 1,183 |
| Assets per employee ($millions) | 4.7733% | 3,861 |
| Cash dividends to net income (ytd only)* | 35.8398% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,795 |
| Loan loss allowance to noncurrent loans | 76.6080% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 849 |
| Noncurrent loans to loans | 1.3160% | 894 |
| Net loans and leases to total assets | 68.2958% | 1,414 |
| Net loans and leases to deposits | 75.8242% | 1,841 |
| Net loans and leases to core deposits | 81.1071% | 1,786 |
| Total domestic deposits to total assets | 90.0712% | 741 |
| Equity capital to assets | 6.8775% | 4,868 |
| Core capital (leverage) ratio | 6.9078% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5103% | 3,036 |
| Memoranda: | ||
| Average total assets | $371,142,000 | 2,114 |
| Average earning assets | $354,530,000 | 2,072 |
| Average equity | $25,898,000 | 2,817 |
| Average total loans | $258,318,667 | 1,921 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 2,129 |
| Cost of funding earning assets | 0.6381% | 736 |
| Net interest margin | 3.1517% | 2,835 |
| Noninterest income to average assets | 0.2974% | 3,628 |
| Noninterest expense to average assets | 2.5720% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6093% | 3,915 |
| Return on assets (ROA) | 0.7119% | 3,746 |
| Pretax return on assets | 0.8573% | 3,701 |
| Return on Equity (ROE) | 10.1262% | 2,652 |
| Retained earnings to average equity (ytd only) | 6.4241% | 2,757 |
| Net charge-offs to loans | 0.0876% | 755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.9821% | 1,433 |
| Efficiency ratio | 77.8035% | 970 |
| Assets per employee ($millions) | 4.5333% | 4,074 |
| Cash dividends to net income (ytd only)* | 36.5591% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,615 |
| Loan loss allowance to noncurrent loans | 80.8033% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 949 |
| Noncurrent loans to loans | 1.3120% | 990 |
| Net loans and leases to total assets | 67.8641% | 1,548 |
| Net loans and leases to deposits | 76.2675% | 1,882 |
| Net loans and leases to core deposits | 81.8233% | 1,856 |
| Total domestic deposits to total assets | 88.9816% | 1,352 |
| Equity capital to assets | 6.6882% | 4,895 |
| Core capital (leverage) ratio | 7.1268% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6862% | 2,981 |
| Memoranda: | ||
| Average total assets | $365,779,500 | 2,117 |
| Average earning assets | $349,148,500 | 2,085 |
| Average equity | $25,715,500 | 2,820 |
| Average total loans | $255,750,500 | 1,936 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 1,961 |
| Cost of funding earning assets | 0.8633% | 980 |
| Net interest margin | 3.4048% | 2,763 |
| Noninterest income to average assets | 0.2867% | 3,769 |
| Noninterest expense to average assets | 2.6279% | 2,455 |
| Loan and lease loss provision to assets | 0.2593% | 1,497 |
| Net operating income to assets | 0.5351% | 3,955 |
| Return on assets (ROA) | 0.5619% | 3,967 |
| Pretax return on assets | 0.6737% | 3,938 |
| Return on Equity (ROE) | 7.4502% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.2810% | 2,660 |
| Net charge-offs to loans | 0.1222% | 1,276 |
| Credit loss provision to net charge-offs | 283.0619% | 1,797 |
| Earnings coverage of net charge-offs (x) | 9.8339% | 2,503 |
| Efficiency ratio | 74.4715% | 1,386 |
| Assets per employee ($millions) | 4.3329% | 4,084 |
| Cash dividends to net income (ytd only)* | 42.5385% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,452 |
| Loan loss allowance to noncurrent loans | 85.1739% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 1,059 |
| Noncurrent loans to loans | 1.2935% | 1,059 |
| Net loans and leases to total assets | 70.5399% | 1,488 |
| Net loans and leases to deposits | 78.8529% | 1,989 |
| Net loans and leases to core deposits | 85.1387% | 1,940 |
| Total domestic deposits to total assets | 89.4576% | 786 |
| Equity capital to assets | 7.3927% | 4,859 |
| Core capital (leverage) ratio | 7.2211% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9519% | 2,935 |
| Memoranda: | ||
| Average total assets | $335,139,600 | 2,113 |
| Average earning assets | $319,112,400 | 2,082 |
| Average equity | $25,274,400 | 2,778 |
| Average total loans | $251,297,400 | 1,913 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,033 |
| Cost of funding earning assets | 0.9179% | 1,006 |
| Net interest margin | 3.4057% | 2,903 |
| Noninterest income to average assets | 0.3013% | 3,680 |
| Noninterest expense to average assets | 2.7748% | 2,041 |
| Loan and lease loss provision to assets | 0.3066% | 1,310 |
| Net operating income to assets | 0.3911% | 4,280 |
| Return on assets (ROA) | 0.4281% | 4,274 |
| Pretax return on assets | 0.5049% | 4,270 |
| Return on Equity (ROE) | 5.6472% | 3,677 |
| Retained earnings to average equity (ytd only) | 3.2764% | 3,405 |
| Net charge-offs to loans | 0.1467% | 1,000 |
| Credit loss provision to net charge-offs | 275.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 6.8877% | 2,617 |
| Efficiency ratio | 78.3263% | 1,001 |
| Assets per employee ($millions) | 4.1398% | 4,202 |
| Cash dividends to net income (ytd only)* | 41.9811% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,495 |
| Loan loss allowance to noncurrent loans | 76.4441% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 1,020 |
| Noncurrent loans to loans | 1.3674% | 1,069 |
| Net loans and leases to total assets | 74.7472% | 1,277 |
| Net loans and leases to deposits | 83.7492% | 1,932 |
| Net loans and leases to core deposits | 90.5419% | 1,927 |
| Total domestic deposits to total assets | 89.2512% | 667 |
| Equity capital to assets | 7.5122% | 4,855 |
| Core capital (leverage) ratio | 7.2132% | 4,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7555% | 2,972 |
| Memoranda: | ||
| Average total assets | $330,100,000 | 2,117 |
| Average earning assets | $314,171,250 | 2,083 |
| Average equity | $25,026,500 | 2,789 |
| Average total loans | $250,767,000 | 1,917 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 2,172 |
| Cost of funding earning assets | 0.9808% | 1,040 |
| Net interest margin | 3.4333% | 2,997 |
| Noninterest income to average assets | 0.3041% | 3,642 |
| Noninterest expense to average assets | 2.7500% | 2,215 |
| Loan and lease loss provision to assets | 0.3845% | 1,068 |
| Net operating income to assets | 0.3687% | 4,294 |
| Return on assets (ROA) | 0.4042% | 4,288 |
| Pretax return on assets | 0.4773% | 4,286 |
| Return on Equity (ROE) | 5.3140% | 3,742 |
| Retained earnings to average equity (ytd only) | 3.5050% | 3,177 |
| Net charge-offs to loans | 0.2211% | 701 |
| Credit loss provision to net charge-offs | 228.4672% | 1,810 |
| Earnings coverage of net charge-offs (x) | 4.8723% | 2,560 |
| Efficiency ratio | 77.0303% | 1,153 |
| Assets per employee ($millions) | 4.0777% | 4,231 |
| Cash dividends to net income (ytd only)* | 34.0426% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,514 |
| Loan loss allowance to noncurrent loans | 86.4702% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 1,314 |
| Noncurrent loans to loans | 1.1708% | 1,337 |
| Net loans and leases to total assets | 74.5895% | 1,331 |
| Net loans and leases to deposits | 83.6192% | 2,032 |
| Net loans and leases to core deposits | 91.3568% | 1,956 |
| Total domestic deposits to total assets | 89.2014% | 670 |
| Equity capital to assets | 7.5134% | 4,871 |
| Core capital (leverage) ratio | 7.3654% | 4,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9209% | 2,990 |
| Memoranda: | ||
| Average total assets | $325,599,667 | 2,116 |
| Average earning assets | $309,731,667 | 2,072 |
| Average equity | $24,764,667 | 2,797 |
| Average total loans | $247,841,000 | 1,920 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,894 |
| Cost of funding earning assets | 1.0689% | 1,149 |
| Net interest margin | 3.5664% | 2,780 |
| Noninterest income to average assets | 0.3321% | 3,539 |
| Noninterest expense to average assets | 2.9012% | 2,119 |
| Loan and lease loss provision to assets | 0.1955% | 1,545 |
| Net operating income to assets | 0.5220% | 3,835 |
| Return on assets (ROA) | 0.5314% | 3,865 |
| Pretax return on assets | 0.6379% | 3,842 |
| Return on Equity (ROE) | 6.9416% | 2,973 |
| Retained earnings to average equity (ytd only) | 3.2743% | 2,970 |
| Net charge-offs to loans | 0.0475% | 1,536 |
| Credit loss provision to net charge-offs | 537.9310% | 844 |
| Earnings coverage of net charge-offs (x) | 22.6207% | 1,348 |
| Efficiency ratio | 77.9199% | 1,351 |
| Assets per employee ($millions) | 3.7586% | 4,209 |
| Cash dividends to net income (ytd only)* | 52.8302% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,856 |
| Loan loss allowance to noncurrent loans | 74.0962% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 1,243 |
| Noncurrent loans to loans | 1.3071% | 1,250 |
| Net loans and leases to total assets | 75.4370% | 1,396 |
| Net loans and leases to deposits | 84.6112% | 2,155 |
| Net loans and leases to core deposits | 93.5451% | 2,012 |
| Total domestic deposits to total assets | 89.1573% | 597 |
| Equity capital to assets | 7.6494% | 5,021 |
| Core capital (leverage) ratio | 7.5865% | 5,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9587% | 3,112 |
| Memoranda: | ||
| Average total assets | $319,174,500 | 2,095 |
| Average earning assets | $303,498,000 | 2,060 |
| Average equity | $24,432,500 | 2,815 |
| Average total loans | $244,246,500 | 1,904 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 2,522 |
| Cost of funding earning assets | 1.1048% | 1,303 |
| Net interest margin | 3.5245% | 3,363 |
| Noninterest income to average assets | 0.3538% | 3,584 |
| Noninterest expense to average assets | 2.7638% | 2,709 |
| Loan and lease loss provision to assets | 0.1426% | 1,497 |
| Net operating income to assets | 0.6603% | 3,986 |
| Return on assets (ROA) | 0.7016% | 3,925 |
| Pretax return on assets | 0.8471% | 3,886 |
| Return on Equity (ROE) | 9.2571% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.7822% | 2,545 |
| Net charge-offs to loans | 0.3314% | 626 |
| Credit loss provision to net charge-offs | 55.4591% | 3,078 |
| Earnings coverage of net charge-offs (x) | 3.6551% | 3,297 |
| Efficiency ratio | 74.6210% | 1,536 |
| Assets per employee ($millions) | 3.7514% | 4,211 |
| Cash dividends to net income (ytd only)* | 48.3402% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 3,916 |
| Loan loss allowance to noncurrent loans | 85.5389% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 1,461 |
| Noncurrent loans to loans | 1.0635% | 1,420 |
| Net loans and leases to total assets | 76.1754% | 1,382 |
| Net loans and leases to deposits | 85.7550% | 2,126 |
| Net loans and leases to core deposits | 94.7648% | 1,998 |
| Total domestic deposits to total assets | 88.8291% | 734 |
| Equity capital to assets | 7.6604% | 5,098 |
| Core capital (leverage) ratio | 7.5750% | 5,097 |
| Tier 1 risk-based capital ratio | 10.8881% | 4,895 |
| Total risk-based capital ratio | 11.9132% | 4,887 |
| Memoranda: | ||
| Average total assets | $313,412,800 | 2,083 |
| Average earning assets | $297,888,000 | 2,041 |
| Average equity | $23,754,800 | 2,817 |
| Average total loans | $243,207,200 | 1,868 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 2,706 |
| Cost of funding earning assets | 1.1018% | 1,345 |
| Net interest margin | 3.5036% | 3,553 |
| Noninterest income to average assets | 0.3534% | 3,612 |
| Noninterest expense to average assets | 2.7328% | 2,775 |
| Loan and lease loss provision to assets | 0.0996% | 1,931 |
| Net operating income to assets | 0.7029% | 4,001 |
| Return on assets (ROA) | 0.7345% | 3,966 |
| Pretax return on assets | 0.8879% | 3,918 |
| Return on Equity (ROE) | 9.7171% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,601 |
| Net charge-offs to loans | 0.1648% | 1,026 |
| Credit loss provision to net charge-offs | 77.6667% | 2,534 |
| Earnings coverage of net charge-offs (x) | 7.4067% | 2,744 |
| Efficiency ratio | 74.2168% | 1,534 |
| Assets per employee ($millions) | 3.9514% | 3,964 |
| Cash dividends to net income (ytd only)* | 42.9322% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,385 |
| Loan loss allowance to noncurrent loans | 68.4311% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 1,110 |
| Noncurrent loans to loans | 1.5080% | 1,001 |
| Net loans and leases to total assets | 75.5369% | 1,556 |
| Net loans and leases to deposits | 85.0801% | 2,311 |
| Net loans and leases to core deposits | 94.0666% | 2,172 |
| Total domestic deposits to total assets | 88.7833% | 698 |
| Equity capital to assets | 7.7056% | 5,171 |
| Core capital (leverage) ratio | 7.6179% | 5,179 |
| Tier 1 risk-based capital ratio | 10.9534% | 4,932 |
| Total risk-based capital ratio | 12.1231% | 4,859 |
| Memoranda: | ||
| Average total assets | $312,048,000 | 2,100 |
| Average earning assets | $296,485,000 | 2,060 |
| Average equity | $23,586,750 | 2,840 |
| Average total loans | $242,726,000 | 1,877 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 2,581 |
| Cost of funding earning assets | 1.1019% | 1,294 |
| Net interest margin | 3.5284% | 3,510 |
| Noninterest income to average assets | 0.3575% | 3,539 |
| Noninterest expense to average assets | 2.7662% | 2,699 |
| Loan and lease loss provision to assets | 0.1293% | 1,443 |
| Net operating income to assets | 0.6741% | 4,088 |
| Return on assets (ROA) | 0.6762% | 4,134 |
| Pretax return on assets | 0.8139% | 4,055 |
| Return on Equity (ROE) | 9.0064% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.4171% | 3,059 |
| Net charge-offs to loans | 0.0380% | 2,128 |
| Credit loss provision to net charge-offs | 434.7826% | 665 |
| Earnings coverage of net charge-offs (x) | 31.6304% | 1,424 |
| Efficiency ratio | 74.6250% | 1,568 |
| Assets per employee ($millions) | 3.7470% | 4,186 |
| Cash dividends to net income (ytd only)* | 50.9560% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 2,981 |
| Loan loss allowance to noncurrent loans | 76.9425% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 1,171 |
| Noncurrent loans to loans | 1.4530% | 1,065 |
| Net loans and leases to total assets | 78.0111% | 1,213 |
| Net loans and leases to deposits | 87.9193% | 2,020 |
| Net loans and leases to core deposits | 97.3638% | 1,943 |
| Total domestic deposits to total assets | 88.7303% | 773 |
| Equity capital to assets | 7.7260% | 5,215 |
| Core capital (leverage) ratio | 7.5251% | 5,228 |
| Tier 1 risk-based capital ratio | 10.6555% | 5,051 |
| Total risk-based capital ratio | 11.9059% | 4,965 |
| Memoranda: | ||
| Average total assets | $309,375,330 | 2,122 |
| Average earning assets | $293,677,330 | 2,082 |
| Average equity | $23,228,000 | 2,863 |
| Average total loans | $242,205,000 | 1,887 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,345 |
| Cost of funding earning assets | 1.0883% | 1,224 |
| Net interest margin | 3.5720% | 3,360 |
| Noninterest income to average assets | 0.3358% | 3,616 |
| Noninterest expense to average assets | 2.6523% | 3,053 |
| Loan and lease loss provision to assets | 0.1296% | 1,349 |
| Net operating income to assets | 0.7796% | 3,687 |
| Return on assets (ROA) | 0.7817% | 3,732 |
| Pretax return on assets | 0.9476% | 3,619 |
| Return on Equity (ROE) | 10.5660% | 2,136 |
| Retained earnings to average equity (ytd only) | 6.5709% | 2,213 |
| Net charge-offs to loans | 0.0432% | 1,654 |
| Credit loss provision to net charge-offs | 384.6154% | 711 |
| Earnings coverage of net charge-offs (x) | 31.8846% | 1,297 |
| Efficiency ratio | 71.1652% | 2,164 |
| Assets per employee ($millions) | 3.8422% | 4,129 |
| Cash dividends to net income (ytd only)* | 37.8109% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,120 |
| Loan loss allowance to noncurrent loans | 80.5749% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 1,304 |
| Noncurrent loans to loans | 1.3669% | 1,184 |
| Net loans and leases to total assets | 76.8324% | 1,342 |
| Net loans and leases to deposits | 86.1338% | 2,118 |
| Net loans and leases to core deposits | 95.4372% | 1,978 |
| Total domestic deposits to total assets | 89.2012% | 764 |
| Equity capital to assets | 7.5095% | 5,268 |
| Core capital (leverage) ratio | 7.5713% | 5,277 |
| Tier 1 risk-based capital ratio | 10.7565% | 5,085 |
| Total risk-based capital ratio | 11.9996% | 4,990 |
| Memoranda: | ||
| Average total assets | $308,562,000 | 2,135 |
| Average earning assets | $292,947,000 | 2,091 |
| Average equity | $22,828,000 | 2,895 |
| Average total loans | $240,628,000 | 1,910 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 2,566 |
| Cost of funding earning assets | 0.8250% | 1,418 |
| Net interest margin | 3.6395% | 3,255 |
| Noninterest income to average assets | 0.3388% | 3,849 |
| Noninterest expense to average assets | 2.6951% | 3,040 |
| Loan and lease loss provision to assets | 0.2389% | 742 |
| Net operating income to assets | 0.7090% | 4,113 |
| Return on assets (ROA) | 0.7051% | 4,130 |
| Pretax return on assets | 0.8419% | 4,066 |
| Return on Equity (ROE) | 9.7937% | 2,605 |
| Retained earnings to average equity (ytd only) | 4.5397% | 3,030 |
| Net charge-offs to loans | 0.0210% | 3,004 |
| Credit loss provision to net charge-offs | 1,469.3878% | 290 |
| Earnings coverage of net charge-offs (x) | 66.7551% | 959 |
| Efficiency ratio | 71.2894% | 2,002 |
| Assets per employee ($millions) | 3.7305% | 4,282 |
| Cash dividends to net income (ytd only)* | 53.6471% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,215 |
| Loan loss allowance to noncurrent loans | 78.5021% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 1,250 |
| Noncurrent loans to loans | 1.3772% | 1,134 |
| Net loans and leases to total assets | 77.4381% | 1,366 |
| Net loans and leases to deposits | 90.4760% | 1,734 |
| Net loans and leases to core deposits | 98.7490% | 1,814 |
| Total domestic deposits to total assets | 85.5896% | 2,397 |
| Equity capital to assets | 7.2849% | 5,303 |
| Core capital (leverage) ratio | 7.4834% | 5,325 |
| Tier 1 risk-based capital ratio | 10.5537% | 5,161 |
| Total risk-based capital ratio | 11.7594% | 5,072 |
| Memoranda: | ||
| Average total assets | $301,357,200 | 2,145 |
| Average earning assets | $284,981,200 | 2,105 |
| Average equity | $21,697,600 | 2,916 |
| Average total loans | $233,046,000 | 1,927 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 2,673 |
| Cost of funding earning assets | 0.7652% | 1,506 |
| Net interest margin | 3.6186% | 3,306 |
| Noninterest income to average assets | 0.3313% | 3,939 |
| Noninterest expense to average assets | 2.6216% | 3,223 |
| Loan and lease loss provision to assets | 0.2531% | 619 |
| Net operating income to assets | 0.7349% | 4,125 |
| Return on assets (ROA) | 0.7297% | 4,146 |
| Pretax return on assets | 0.8696% | 4,122 |
| Return on Equity (ROE) | 10.1649% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.5248% | 2,940 |
| Net charge-offs to loans | 0.0161% | 2,851 |
| Credit loss provision to net charge-offs | 2,035.7143% | 202 |
| Earnings coverage of net charge-offs (x) | 90.7916% | 813 |
| Efficiency ratio | 69.8993% | 2,208 |
| Assets per employee ($millions) | 4.0194% | 3,855 |
| Cash dividends to net income (ytd only)* | 45.6485% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,610 |
| Loan loss allowance to noncurrent loans | 94.6518% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 1,739 |
| Noncurrent loans to loans | 1.0846% | 1,569 |
| Net loans and leases to total assets | 77.6408% | 1,394 |
| Net loans and leases to deposits | 91.9435% | 1,633 |
| Net loans and leases to core deposits | 100.2579% | 1,769 |
| Total domestic deposits to total assets | 84.4441% | 2,796 |
| Equity capital to assets | 7.0848% | 5,378 |
| Core capital (leverage) ratio | 7.4438% | 5,400 |
| Tier 1 risk-based capital ratio | 10.5151% | 5,234 |
| Total risk-based capital ratio | 11.6624% | 5,186 |
| Memoranda: | ||
| Average total assets | $300,220,250 | 2,162 |
| Average earning assets | $283,676,750 | 2,123 |
| Average equity | $21,550,750 | 2,946 |
| Average total loans | $231,438,500 | 1,943 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,723 |
| Cost of funding earning assets | 0.6953% | 1,648 |
| Net interest margin | 3.6156% | 3,255 |
| Noninterest income to average assets | 0.3304% | 3,980 |
| Noninterest expense to average assets | 2.6294% | 3,224 |
| Loan and lease loss provision to assets | 0.2680% | 566 |
| Net operating income to assets | 0.7194% | 4,139 |
| Return on assets (ROA) | 0.7177% | 4,154 |
| Pretax return on assets | 0.8456% | 4,121 |
| Return on Equity (ROE) | 9.9534% | 2,580 |
| Retained earnings to average equity (ytd only) | 4.9813% | 3,087 |
| Net charge-offs to loans | 0.0166% | 2,587 |
| Credit loss provision to net charge-offs | 2,105.2632% | 202 |
| Earnings coverage of net charge-offs (x) | 87.6316% | 766 |
| Efficiency ratio | 70.2093% | 2,278 |
| Assets per employee ($millions) | 3.8153% | 4,184 |
| Cash dividends to net income (ytd only)* | 49.9533% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 3,996 |
| Loan loss allowance to noncurrent loans | 101.5908% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 1,660 |
| Noncurrent loans to loans | 0.9578% | 1,815 |
| Net loans and leases to total assets | 76.6532% | 1,541 |
| Net loans and leases to deposits | 91.1014% | 1,690 |
| Net loans and leases to core deposits | 99.1259% | 1,806 |
| Total domestic deposits to total assets | 84.1405% | 3,012 |
| Equity capital to assets | 7.0365% | 5,443 |
| Core capital (leverage) ratio | 7.4701% | 5,443 |
| Tier 1 risk-based capital ratio | 10.4656% | 5,284 |
| Total risk-based capital ratio | 11.5514% | 5,259 |
| Memoranda: | ||
| Average total assets | $298,469,670 | 2,183 |
| Average earning assets | $281,891,670 | 2,147 |
| Average equity | $21,520,330 | 2,964 |
| Average total loans | $228,707,670 | 1,961 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 2,654 |
| Cost of funding earning assets | 0.6172% | 1,931 |
| Net interest margin | 3.6470% | 2,998 |
| Noninterest income to average assets | 0.3267% | 3,969 |
| Noninterest expense to average assets | 2.5077% | 3,618 |
| Loan and lease loss provision to assets | 0.2440% | 617 |
| Net operating income to assets | 0.8411% | 3,549 |
| Return on assets (ROA) | 0.8445% | 3,544 |
| Pretax return on assets | 1.0234% | 3,453 |
| Return on Equity (ROE) | 11.5681% | 1,735 |
| Retained earnings to average equity (ytd only) | 7.2045% | 2,182 |
| Net charge-offs to loans | 0.0142% | 2,254 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 537 |
| Efficiency ratio | 66.4989% | 3,079 |
| Assets per employee ($millions) | 4.0301% | 3,929 |
| Cash dividends to net income (ytd only)* | 37.7207% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 4,367 |
| Loan loss allowance to noncurrent loans | 88.1113% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 1,609 |
| Noncurrent loans to loans | 1.0413% | 1,757 |
| Net loans and leases to total assets | 75.6842% | 1,588 |
| Net loans and leases to deposits | 88.4022% | 1,881 |
| Net loans and leases to core deposits | 95.8381% | 1,990 |
| Total domestic deposits to total assets | 85.6135% | 2,707 |
| Equity capital to assets | 7.1985% | 5,489 |
| Core capital (leverage) ratio | 7.5787% | 5,497 |
| Tier 1 risk-based capital ratio | 10.0909% | 5,480 |
| Total risk-based capital ratio | 11.0517% | 5,494 |
| Memoranda: | ||
| Average total assets | $295,092,500 | 2,221 |
| Average earning assets | $278,694,000 | 2,188 |
| Average equity | $21,542,000 | 2,996 |
| Average total loans | $224,930,000 | 2,000 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,645 |
| Cost of funding earning assets | 0.5281% | 2,111 |
| Net interest margin | 3.6836% | 2,864 |
| Noninterest income to average assets | 0.3038% | 4,285 |
| Noninterest expense to average assets | 2.7847% | 2,828 |
| Loan and lease loss provision to assets | 0.2252% | 873 |
| Net operating income to assets | 0.5011% | 4,375 |
| Return on assets (ROA) | 0.5229% | 4,347 |
| Pretax return on assets | 0.8056% | 4,226 |
| Return on Equity (ROE) | 6.8574% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.8529% | 2,904 |
| Net charge-offs to loans | 0.2765% | 948 |
| Credit loss provision to net charge-offs | 108.8083% | 2,396 |
| Earnings coverage of net charge-offs (x) | 4.8187% | 3,408 |
| Efficiency ratio | 73.6320% | 1,958 |
| Assets per employee ($millions) | 3.7430% | 4,376 |
| Cash dividends to net income (ytd only)* | 43.8141% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,619 |
| Loan loss allowance to noncurrent loans | 109.2877% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 2,023 |
| Noncurrent loans to loans | 0.7903% | 2,236 |
| Net loans and leases to total assets | 75.4017% | 1,696 |
| Net loans and leases to deposits | 87.4306% | 2,088 |
| Net loans and leases to core deposits | 94.7340% | 2,131 |
| Total domestic deposits to total assets | 86.2417% | 2,331 |
| Equity capital to assets | 7.4039% | 5,556 |
| Core capital (leverage) ratio | 7.6766% | 5,523 |
| Tier 1 risk-based capital ratio | 10.2242% | 5,470 |
| Total risk-based capital ratio | 11.1351% | 5,516 |
| Memoranda: | ||
| Average total assets | $279,781,000 | 2,289 |
| Average earning assets | $264,171,400 | 2,257 |
| Average equity | $21,334,600 | 3,009 |
| Average total loans | $209,368,600 | 2,083 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 2,739 |
| Cost of funding earning assets | 0.5215% | 2,098 |
| Net interest margin | 3.6425% | 2,986 |
| Noninterest income to average assets | 0.3083% | 4,321 |
| Noninterest expense to average assets | 2.7684% | 2,832 |
| Loan and lease loss provision to assets | 0.1985% | 958 |
| Net operating income to assets | 0.5669% | 4,520 |
| Return on assets (ROA) | 0.5887% | 4,465 |
| Pretax return on assets | 0.8104% | 4,322 |
| Return on Equity (ROE) | 7.6621% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.7748% | 2,389 |
| Net charge-offs to loans | 0.0892% | 1,905 |
| Credit loss provision to net charge-offs | 298.5507% | 993 |
| Earnings coverage of net charge-offs (x) | 14.7243% | 2,276 |
| Efficiency ratio | 73.8750% | 1,918 |
| Assets per employee ($millions) | 3.7008% | 4,450 |
| Cash dividends to net income (ytd only)* | 24.6316% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 4,116 |
| Loan loss allowance to noncurrent loans | 81.4068% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 1,851 |
| Noncurrent loans to loans | 1.2167% | 1,560 |
| Net loans and leases to total assets | 75.1033% | 1,742 |
| Net loans and leases to deposits | 84.1824% | 2,541 |
| Net loans and leases to core deposits | 90.9723% | 2,531 |
| Total domestic deposits to total assets | 89.2151% | 776 |
| Equity capital to assets | 7.7473% | 5,589 |
| Core capital (leverage) ratio | 7.7923% | 5,572 |
| Tier 1 risk-based capital ratio | 10.4033% | 5,485 |
| Total risk-based capital ratio | 11.4372% | 5,507 |
| Memoranda: | ||
| Average total assets | $276,737,500 | 2,319 |
| Average earning assets | $261,281,750 | 2,286 |
| Average equity | $21,264,250 | 3,040 |
| Average total loans | $206,196,500 | 2,118 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 2,809 |
| Cost of funding earning assets | 0.5075% | 2,111 |
| Net interest margin | 3.5987% | 3,049 |
| Noninterest income to average assets | 0.3095% | 4,326 |
| Noninterest expense to average assets | 2.8446% | 2,601 |
| Loan and lease loss provision to assets | 0.2007% | 917 |
| Net operating income to assets | 0.4871% | 4,737 |
| Return on assets (ROA) | 0.5066% | 4,723 |
| Pretax return on assets | 0.6861% | 4,587 |
| Return on Equity (ROE) | 6.6116% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.3442% | 3,117 |
| Net charge-offs to loans | 0.1636% | 1,187 |
| Credit loss provision to net charge-offs | 165.6627% | 1,430 |
| Earnings coverage of net charge-offs (x) | 7.1024% | 2,641 |
| Efficiency ratio | 76.7730% | 1,612 |
| Assets per employee ($millions) | 3.6001% | 4,578 |
| Cash dividends to net income (ytd only)* | 34.2939% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 4,436 |
| Loan loss allowance to noncurrent loans | 59.8969% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 1,430 |
| Noncurrent loans to loans | 1.5797% | 1,175 |
| Net loans and leases to total assets | 74.6239% | 1,763 |
| Net loans and leases to deposits | 82.7844% | 2,619 |
| Net loans and leases to core deposits | 89.6315% | 2,557 |
| Total domestic deposits to total assets | 90.1425% | 490 |
| Equity capital to assets | 7.8341% | 5,592 |
| Core capital (leverage) ratio | 7.8271% | 5,582 |
| Tier 1 risk-based capital ratio | 10.5706% | 5,434 |
| Total risk-based capital ratio | 11.5633% | 5,469 |
| Memoranda: | ||
| Average total assets | $273,996,000 | 2,346 |
| Average earning assets | $258,535,670 | 2,310 |
| Average equity | $20,993,330 | 3,064 |
| Average total loans | $202,876,330 | 2,144 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 2,660 |
| Cost of funding earning assets | 0.5064% | 2,034 |
| Net interest margin | 3.5902% | 2,922 |
| Noninterest income to average assets | 0.3216% | 4,250 |
| Noninterest expense to average assets | 2.7358% | 3,009 |
| Loan and lease loss provision to assets | 0.2012% | 819 |
| Net operating income to assets | 0.5543% | 4,358 |
| Return on assets (ROA) | 0.5786% | 4,285 |
| Pretax return on assets | 0.8018% | 4,107 |
| Return on Equity (ROE) | 7.6388% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.0245% | 3,902 |
| Net charge-offs to loans | 0.2922% | 625 |
| Credit loss provision to net charge-offs | 93.8356% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.5205% | 2,376 |
| Efficiency ratio | 73.8407% | 2,257 |
| Assets per employee ($millions) | 3.6727% | 4,551 |
| Cash dividends to net income (ytd only)* | 60.4061% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,654 |
| Loan loss allowance to noncurrent loans | 61.3404% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 1,591 |
| Noncurrent loans to loans | 1.5110% | 1,318 |
| Net loans and leases to total assets | 73.0737% | 1,902 |
| Net loans and leases to deposits | 81.2512% | 2,598 |
| Net loans and leases to core deposits | 86.8804% | 2,645 |
| Total domestic deposits to total assets | 89.9356% | 693 |
| Equity capital to assets | 7.6731% | 5,637 |
| Core capital (leverage) ratio | 7.7775% | 5,639 |
| Tier 1 risk-based capital ratio | 10.6704% | 5,472 |
| Total risk-based capital ratio | 11.6277% | 5,520 |
| Memoranda: | ||
| Average total assets | $272,389,000 | 2,379 |
| Average earning assets | $256,699,000 | 2,340 |
| Average equity | $20,631,500 | 3,109 |
| Average total loans | $199,894,000 | 2,186 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 2,924 |
| Cost of funding earning assets | 0.4754% | 2,304 |
| Net interest margin | 3.6070% | 3,049 |
| Noninterest income to average assets | 0.2375% | 4,996 |
| Noninterest expense to average assets | 2.7530% | 3,181 |
| Loan and lease loss provision to assets | 0.1875% | 1,258 |
| Net operating income to assets | 0.5053% | 4,611 |
| Return on assets (ROA) | 0.5923% | 4,354 |
| Pretax return on assets | 0.8110% | 4,161 |
| Return on Equity (ROE) | 7.6045% | 3,169 |
| Retained earnings to average equity (ytd only) | 3.2854% | 3,575 |
| Net charge-offs to loans | 0.2403% | 1,160 |
| Credit loss provision to net charge-offs | 110.3896% | 2,370 |
| Earnings coverage of net charge-offs (x) | 5.1775% | 3,375 |
| Efficiency ratio | 75.7895% | 2,015 |
| Assets per employee ($millions) | 3.5454% | 4,688 |
| Cash dividends to net income (ytd only)* | 56.7970% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,628 |
| Loan loss allowance to noncurrent loans | 60.3426% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 1,516 |
| Noncurrent loans to loans | 1.5522% | 1,282 |
| Net loans and leases to total assets | 72.3314% | 2,121 |
| Net loans and leases to deposits | 83.7965% | 2,447 |
| Net loans and leases to core deposits | 88.6594% | 2,615 |
| Total domestic deposits to total assets | 86.3179% | 2,450 |
| Equity capital to assets | 7.4759% | 5,719 |
| Core capital (leverage) ratio | 7.6980% | 5,706 |
| Tier 1 risk-based capital ratio | 10.5546% | 5,550 |
| Total risk-based capital ratio | 11.5129% | 5,613 |
| Memoranda: | ||
| Average total assets | $271,995,600 | 2,345 |
| Average earning assets | $256,005,000 | 2,312 |
| Average equity | $21,184,800 | 3,051 |
| Average total loans | $192,245,600 | 2,189 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,010 |
| Cost of funding earning assets | 0.4733% | 2,339 |
| Net interest margin | 3.5846% | 3,137 |
| Noninterest income to average assets | 0.3003% | 4,618 |
| Noninterest expense to average assets | 2.6990% | 3,350 |
| Loan and lease loss provision to assets | 0.1914% | 1,137 |
| Net operating income to assets | 0.5661% | 4,429 |
| Return on assets (ROA) | 0.6805% | 4,085 |
| Pretax return on assets | 0.9430% | 3,837 |
| Return on Equity (ROE) | 8.6501% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.6503% | 2,403 |
| Net charge-offs to loans | 0.3577% | 630 |
| Credit loss provision to net charge-offs | 76.3209% | 2,710 |
| Earnings coverage of net charge-offs (x) | 3.8904% | 3,348 |
| Efficiency ratio | 73.4544% | 2,374 |
| Assets per employee ($millions) | 3.6344% | 4,589 |
| Cash dividends to net income (ytd only)* | 34.6793% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 5,005 |
| Loan loss allowance to noncurrent loans | 53.4466% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 1,721 |
| Noncurrent loans to loans | 1.6124% | 1,334 |
| Net loans and leases to total assets | 71.6607% | 2,234 |
| Net loans and leases to deposits | 82.0681% | 2,724 |
| Net loans and leases to core deposits | 86.8080% | 2,870 |
| Total domestic deposits to total assets | 87.3185% | 1,755 |
| Equity capital to assets | 8.1488% | 5,687 |
| Core capital (leverage) ratio | 7.8435% | 5,745 |
| Tier 1 risk-based capital ratio | 10.8588% | 5,447 |
| Total risk-based capital ratio | 11.7496% | 5,538 |
| Memoranda: | ||
| Average total assets | $271,744,750 | 2,360 |
| Average earning assets | $255,794,250 | 2,321 |
| Average equity | $21,378,750 | 3,054 |
| Average total loans | $190,474,250 | 2,206 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 2,935 |
| Cost of funding earning assets | 0.4707% | 2,364 |
| Net interest margin | 3.6108% | 3,058 |
| Noninterest income to average assets | 0.2564% | 4,944 |
| Noninterest expense to average assets | 2.7746% | 3,115 |
| Loan and lease loss provision to assets | 0.1967% | 1,096 |
| Net operating income to assets | 0.4979% | 4,689 |
| Return on assets (ROA) | 0.5990% | 4,393 |
| Pretax return on assets | 0.8200% | 4,218 |
| Return on Equity (ROE) | 7.7058% | 3,142 |
| Retained earnings to average equity (ytd only) | 3.5543% | 3,630 |
| Net charge-offs to loans | 0.4748% | 464 |
| Credit loss provision to net charge-offs | 59.7315% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,239 |
| Efficiency ratio | 75.9580% | 2,084 |
| Assets per employee ($millions) | 3.6129% | 4,582 |
| Cash dividends to net income (ytd only)* | 53.8745% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 5,131 |
| Loan loss allowance to noncurrent loans | 53.7025% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 1,626 |
| Noncurrent loans to loans | 1.5807% | 1,357 |
| Net loans and leases to total assets | 70.6510% | 2,375 |
| Net loans and leases to deposits | 80.2392% | 2,902 |
| Net loans and leases to core deposits | 85.2995% | 2,959 |
| Total domestic deposits to total assets | 88.0506% | 1,410 |
| Equity capital to assets | 7.9796% | 5,813 |
| Core capital (leverage) ratio | 7.7829% | 5,823 |
| Tier 1 risk-based capital ratio | 10.4665% | 5,682 |
| Total risk-based capital ratio | 11.3172% | 5,771 |
| Memoranda: | ||
| Average total assets | $271,466,670 | 2,373 |
| Average earning assets | $255,347,670 | 2,341 |
| Average equity | $21,101,000 | 3,087 |
| Average total loans | $188,289,000 | 2,229 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,153 |
| Cost of funding earning assets | 0.4744% | 2,332 |
| Net interest margin | 3.5448% | 3,305 |
| Noninterest income to average assets | 0.2650% | 4,837 |
| Noninterest expense to average assets | 2.5821% | 3,807 |
| Loan and lease loss provision to assets | 0.1899% | 1,043 |
| Net operating income to assets | 0.5906% | 4,224 |
| Return on assets (ROA) | 0.7125% | 3,773 |
| Pretax return on assets | 0.9952% | 3,498 |
| Return on Equity (ROE) | 9.2896% | 2,290 |
| Retained earnings to average equity (ytd only) | 5.7580% | 2,494 |
| Net charge-offs to loans | 0.9769% | 197 |
| Credit loss provision to net charge-offs | 28.4141% | 2,237 |
| Earnings coverage of net charge-offs (x) | 1.5198% | 2,806 |
| Efficiency ratio | 71.7676% | 2,833 |
| Assets per employee ($millions) | 3.5676% | 4,709 |
| Cash dividends to net income (ytd only)* | 38.0165% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 5,364 |
| Loan loss allowance to noncurrent loans | 48.8555% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 1,645 |
| Noncurrent loans to loans | 1.6333% | 1,401 |
| Net loans and leases to total assets | 69.4173% | 2,437 |
| Net loans and leases to deposits | 76.6580% | 3,146 |
| Net loans and leases to core deposits | 80.8525% | 3,248 |
| Total domestic deposits to total assets | 90.5546% | 418 |
| Equity capital to assets | 7.9493% | 5,839 |
| Core capital (leverage) ratio | 7.6543% | 5,887 |
| Tier 1 risk-based capital ratio | 10.7113% | 5,659 |
| Total risk-based capital ratio | 11.5105% | 5,771 |
| Memoranda: | ||
| Average total assets | $271,716,500 | 2,370 |
| Average earning assets | $255,469,500 | 2,343 |
| Average equity | $20,840,500 | 3,112 |
| Average total loans | $185,893,500 | 2,253 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 3,877 |
| Cost of funding earning assets | 0.5427% | 1,827 |
| Net interest margin | 3.3091% | 4,260 |
| Noninterest income to average assets | 0.2956% | 4,770 |
| Noninterest expense to average assets | 2.7936% | 3,256 |
| Loan and lease loss provision to assets | 0.1471% | 1,601 |
| Net operating income to assets | 0.3607% | 5,175 |
| Return on assets (ROA) | 0.4328% | 5,020 |
| Pretax return on assets | 0.5511% | 4,988 |
| Return on Equity (ROE) | 6.1098% | 3,987 |
| Retained earnings to average equity (ytd only) | 3.5922% | 3,502 |
| Net charge-offs to loans | 0.0953% | 2,472 |
| Credit loss provision to net charge-offs | 254.7771% | 1,129 |
| Earnings coverage of net charge-offs (x) | 10.5159% | 2,675 |
| Efficiency ratio | 82.1494% | 1,392 |
| Assets per employee ($millions) | 3.4483% | 4,907 |
| Cash dividends to net income (ytd only)* | 41.2065% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 4,693 |
| Loan loss allowance to noncurrent loans | 48.4421% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5943% | 1,240 |
| Noncurrent loans to loans | 2.0346% | 1,016 |
| Net loans and leases to total assets | 66.2409% | 2,952 |
| Net loans and leases to deposits | 75.1404% | 3,365 |
| Net loans and leases to core deposits | 79.4126% | 3,401 |
| Total domestic deposits to total assets | 88.1561% | 1,554 |
| Equity capital to assets | 7.3990% | 5,997 |
| Core capital (leverage) ratio | 7.4808% | 5,983 |
| Tier 1 risk-based capital ratio | 10.6859% | 5,683 |
| Total risk-based capital ratio | 11.6641% | 5,739 |
| Memoranda: | ||
| Average total assets | $271,980,400 | 2,323 |
| Average earning assets | $255,202,400 | 2,303 |
| Average equity | $19,264,200 | 3,244 |
| Average total loans | $164,720,200 | 2,405 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 3,906 |
| Cost of funding earning assets | 0.5596% | 1,719 |
| Net interest margin | 3.2977% | 4,354 |
| Noninterest income to average assets | 0.3316% | 4,572 |
| Noninterest expense to average assets | 2.8466% | 3,017 |
| Loan and lease loss provision to assets | 0.1624% | 1,313 |
| Net operating income to assets | 0.3338% | 5,360 |
| Return on assets (ROA) | 0.4192% | 5,175 |
| Pretax return on assets | 0.5230% | 5,165 |
| Return on Equity (ROE) | 5.9859% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.3630% | 3,368 |
| Net charge-offs to loans | 0.1294% | 1,844 |
| Credit loss provision to net charge-offs | 212.9032% | 1,274 |
| Earnings coverage of net charge-offs (x) | 7.5871% | 2,897 |
| Efficiency ratio | 83.1083% | 1,252 |
| Assets per employee ($millions) | 3.2916% | 5,137 |
| Cash dividends to net income (ytd only)* | 27.1125% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 4,522 |
| Loan loss allowance to noncurrent loans | 38.9457% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9125% | 1,091 |
| Noncurrent loans to loans | 2.6716% | 728 |
| Net loans and leases to total assets | 60.9562% | 3,743 |
| Net loans and leases to deposits | 67.4967% | 4,239 |
| Net loans and leases to core deposits | 71.2560% | 4,251 |
| Total domestic deposits to total assets | 90.3099% | 460 |
| Equity capital to assets | 6.9944% | 6,153 |
| Core capital (leverage) ratio | 7.4928% | 6,058 |
| Tier 1 risk-based capital ratio | 11.6898% | 5,271 |
| Total risk-based capital ratio | 12.7248% | 5,309 |
| Memoranda: | ||
| Average total assets | $271,009,750 | 2,346 |
| Average earning assets | $254,235,250 | 2,323 |
| Average equity | $18,977,500 | 3,299 |
| Average total loans | $159,762,000 | 2,476 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,836 |
| Cost of funding earning assets | 0.5726% | 1,625 |
| Net interest margin | 3.2855% | 4,352 |
| Noninterest income to average assets | 0.3308% | 4,588 |
| Noninterest expense to average assets | 2.9059% | 2,870 |
| Loan and lease loss provision to assets | 0.1487% | 1,438 |
| Net operating income to assets | 0.2927% | 5,458 |
| Return on assets (ROA) | 0.4159% | 5,194 |
| Pretax return on assets | 0.5091% | 5,199 |
| Return on Equity (ROE) | 5.9365% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,280 |
| Net charge-offs to loans | 0.1950% | 1,286 |
| Credit loss provision to net charge-offs | 131.3725% | 1,680 |
| Earnings coverage of net charge-offs (x) | 4.4837% | 3,036 |
| Efficiency ratio | 85.1290% | 1,141 |
| Assets per employee ($millions) | 3.1780% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 4,835 |
| Loan loss allowance to noncurrent loans | 37.1370% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.8939% | 1,194 |
| Noncurrent loans to loans | 2.7117% | 792 |
| Net loans and leases to total assets | 59.0986% | 3,963 |
| Net loans and leases to deposits | 65.7841% | 4,355 |
| Net loans and leases to core deposits | 69.5212% | 4,368 |
| Total domestic deposits to total assets | 89.8371% | 734 |
| Equity capital to assets | 6.7949% | 6,220 |
| Core capital (leverage) ratio | 7.4516% | 6,111 |
| Tier 1 risk-based capital ratio | 11.9122% | 5,208 |
| Total risk-based capital ratio | 12.8957% | 5,291 |
| Memoranda: | ||
| Average total assets | $270,277,670 | 2,367 |
| Average earning assets | $253,599,000 | 2,342 |
| Average equity | $18,933,670 | 3,321 |
| Average total loans | $156,920,330 | 2,525 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 3,849 |
| Cost of funding earning assets | 0.5872% | 1,523 |
| Net interest margin | 3.2557% | 4,399 |
| Noninterest income to average assets | 0.3359% | 4,503 |
| Noninterest expense to average assets | 2.7860% | 3,293 |
| Loan and lease loss provision to assets | 0.1006% | 2,015 |
| Net operating income to assets | 0.4039% | 5,057 |
| Return on assets (ROA) | 0.5933% | 4,413 |
| Pretax return on assets | 0.7487% | 4,436 |
| Return on Equity (ROE) | 8.3442% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.3442% | 1,435 |
| Net charge-offs to loans | 0.4032% | 602 |
| Credit loss provision to net charge-offs | 43.5897% | 2,158 |
| Earnings coverage of net charge-offs (x) | 2.6410% | 2,725 |
| Efficiency ratio | 82.0479% | 1,609 |
| Assets per employee ($millions) | 3.3392% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 5,212 |
| Loan loss allowance to noncurrent loans | 31.2474% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.0105% | 1,174 |
| Noncurrent loans to loans | 3.0655% | 690 |
| Net loans and leases to total assets | 56.1891% | 4,180 |
| Net loans and leases to deposits | 62.2518% | 4,554 |
| Net loans and leases to core deposits | 65.7960% | 4,535 |
| Total domestic deposits to total assets | 90.2610% | 625 |
| Equity capital to assets | 7.1774% | 6,243 |
| Core capital (leverage) ratio | 7.5238% | 6,131 |
| Tier 1 risk-based capital ratio | 12.2900% | 5,047 |
| Total risk-based capital ratio | 13.2302% | 5,144 |
| Memoranda: | ||
| Average total assets | $270,351,500 | 2,380 |
| Average earning assets | $254,077,000 | 2,357 |
| Average equity | $19,223,000 | 3,316 |
| Average total loans | $154,747,000 | 2,555 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,182 |
| Cost of funding earning assets | 0.7643% | 788 |
| Net interest margin | 3.1202% | 5,155 |
| Noninterest income to average assets | 0.3429% | 4,645 |
| Noninterest expense to average assets | 2.8266% | 3,393 |
| Loan and lease loss provision to assets | 0.0196% | 4,227 |
| Net operating income to assets | 0.3176% | 5,474 |
| Return on assets (ROA) | 0.4479% | 5,121 |
| Pretax return on assets | 0.6055% | 4,921 |
| Return on Equity (ROE) | 7.4840% | 3,379 |
| Retained earnings to average equity (ytd only) | 2.0411% | 4,762 |
| Net charge-offs to loans | 0.0844% | 3,290 |
| Credit loss provision to net charge-offs | 44.0000% | 3,602 |
| Earnings coverage of net charge-offs (x) | 10.0560% | 2,662 |
| Efficiency ratio | 86.2923% | 1,135 |
| Assets per employee ($millions) | 3.0676% | 5,607 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 4,935 |
| Loan loss allowance to noncurrent loans | 40.4517% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.4894% | 1,840 |
| Noncurrent loans to loans | 2.5274% | 1,005 |
| Net loans and leases to total assets | 57.1684% | 4,172 |
| Net loans and leases to deposits | 63.3676% | 4,593 |
| Net loans and leases to core deposits | 67.0746% | 4,590 |
| Total domestic deposits to total assets | 90.2171% | 643 |
| Equity capital to assets | 7.0416% | 6,321 |
| Core capital (leverage) ratio | 7.0906% | 6,299 |
| Tier 1 risk-based capital ratio | 12.4526% | 5,061 |
| Total risk-based capital ratio | 13.4797% | 5,115 |
| Memoranda: | ||
| Average total assets | $279,947,600 | 2,280 |
| Average earning assets | $263,120,400 | 2,250 |
| Average equity | $16,755,800 | 3,566 |
| Average total loans | $148,151,600 | 2,600 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,396 |
| Cost of funding earning assets | 0.7874% | 737 |
| Net interest margin | 3.0558% | 5,371 |
| Noninterest income to average assets | 0.3573% | 4,581 |
| Noninterest expense to average assets | 2.7423% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3626% | 5,389 |
| Return on assets (ROA) | 0.4755% | 5,051 |
| Pretax return on assets | 0.6398% | 4,904 |
| Return on Equity (ROE) | 8.2887% | 3,044 |
| Retained earnings to average equity (ytd only) | 2.6754% | 4,695 |
| Net charge-offs to loans | 0.0918% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.2478% | 2,566 |
| Efficiency ratio | 84.9125% | 1,295 |
| Assets per employee ($millions) | 3.3787% | 5,077 |
| Cash dividends to net income (ytd only)* | 67.7231% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,242 |
| Loan loss allowance to noncurrent loans | 33.6675% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 1.6173% | 1,874 |
| Noncurrent loans to loans | 2.9545% | 909 |
| Net loans and leases to total assets | 52.3143% | 4,774 |
| Net loans and leases to deposits | 61.9189% | 4,747 |
| Net loans and leases to core deposits | 65.7924% | 4,728 |
| Total domestic deposits to total assets | 84.4885% | 3,553 |
| Equity capital to assets | 6.2439% | 6,462 |
| Core capital (leverage) ratio | 6.8436% | 6,396 |
| Tier 1 risk-based capital ratio | 11.9206% | 5,540 |
| Total risk-based capital ratio | 12.8860% | 5,633 |
| Memoranda: | ||
| Average total assets | $283,213,250 | 2,267 |
| Average earning assets | $266,197,500 | 2,237 |
| Average equity | $16,246,500 | 3,658 |
| Average total loans | $146,652,000 | 2,633 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 4,293 |
| Cost of funding earning assets | 0.8108% | 665 |
| Net interest margin | 3.0508% | 5,394 |
| Noninterest income to average assets | 0.3147% | 4,896 |
| Noninterest expense to average assets | 2.7615% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3232% | 5,483 |
| Return on assets (ROA) | 0.3841% | 5,350 |
| Pretax return on assets | 0.5021% | 5,272 |
| Return on Equity (ROE) | 6.9094% | 3,669 |
| Retained earnings to average equity (ytd only) | 1.5955% | 5,101 |
| Net charge-offs to loans | 0.0167% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 49.1667% | 921 |
| Efficiency ratio | 86.7446% | 1,195 |
| Assets per employee ($millions) | 3.4062% | 5,042 |
| Cash dividends to net income (ytd only)* | 76.9088% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 4,796 |
| Loan loss allowance to noncurrent loans | 42.7078% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 2,317 |
| Noncurrent loans to loans | 2.6328% | 1,155 |
| Net loans and leases to total assets | 50.8224% | 4,873 |
| Net loans and leases to deposits | 58.1556% | 5,032 |
| Net loans and leases to core deposits | 61.2997% | 5,027 |
| Total domestic deposits to total assets | 87.3903% | 2,252 |
| Equity capital to assets | 6.1609% | 6,520 |
| Core capital (leverage) ratio | 7.0196% | 6,425 |
| Tier 1 risk-based capital ratio | 12.4297% | 5,279 |
| Total risk-based capital ratio | 13.5031% | 5,304 |
| Memoranda: | ||
| Average total assets | $279,634,330 | 2,296 |
| Average earning assets | $262,948,000 | 2,264 |
| Average equity | $15,544,000 | 3,762 |
| Average total loans | $143,761,670 | 2,675 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,971 |
| Cost of funding earning assets | 0.8298% | 641 |
| Net interest margin | 3.0995% | 5,255 |
| Noninterest income to average assets | 0.3610% | 4,501 |
| Noninterest expense to average assets | 2.7890% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3740% | 5,211 |
| Return on assets (ROA) | 0.3970% | 5,200 |
| Pretax return on assets | 0.5250% | 5,096 |
| Return on Equity (ROE) | 7.5580% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.5741% | 4,525 |
| Net charge-offs to loans | 0.0224% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 839 |
| Efficiency ratio | 84.9321% | 1,556 |
| Assets per employee ($millions) | 3.3399% | 5,275 |
| Cash dividends to net income (ytd only)* | 65.9420% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 4,957 |
| Loan loss allowance to noncurrent loans | 36.8173% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 2,095 |
| Noncurrent loans to loans | 3.0838% | 1,020 |
| Net loans and leases to total assets | 52.0792% | 4,667 |
| Net loans and leases to deposits | 57.5603% | 4,982 |
| Net loans and leases to core deposits | 60.8642% | 4,968 |
| Total domestic deposits to total assets | 90.4777% | 811 |
| Equity capital to assets | 5.6829% | 6,593 |
| Core capital (leverage) ratio | 6.9020% | 6,490 |
| Tier 1 risk-based capital ratio | 12.5395% | 5,289 |
| Total risk-based capital ratio | 13.6266% | 5,328 |
| Memoranda: | ||
| Average total assets | $278,092,500 | 2,315 |
| Average earning assets | $262,237,000 | 2,269 |
| Average equity | $14,607,000 | 3,930 |
| Average total loans | $142,983,500 | 2,694 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,867 |
| Cost of funding earning assets | 0.9274% | 649 |
| Net interest margin | 3.1371% | 5,204 |
| Noninterest income to average assets | 0.1529% | 6,177 |
| Noninterest expense to average assets | 2.7693% | 3,838 |
| Loan and lease loss provision to assets | -0.1708% | 6,569 |
| Net operating income to assets | 0.3771% | 5,234 |
| Return on assets (ROA) | 0.5524% | 4,624 |
| Pretax return on assets | 0.7425% | 4,369 |
| Return on Equity (ROE) | 9.6814% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.0216% | 3,330 |
| Net charge-offs to loans | -0.3689% | 6,697 |
| Credit loss provision to net charge-offs | 99.5902% | 2,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2121% | 1,091 |
| Assets per employee ($millions) | 3.3609% | 5,176 |
| Cash dividends to net income (ytd only)* | 58.4606% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 4,853 |
| Loan loss allowance to noncurrent loans | 46.2619% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 2,602 |
| Noncurrent loans to loans | 2.5110% | 1,503 |
| Net loans and leases to total assets | 49.6089% | 5,130 |
| Net loans and leases to deposits | 58.1295% | 5,111 |
| Net loans and leases to core deposits | 61.4919% | 5,106 |
| Total domestic deposits to total assets | 85.3421% | 3,578 |
| Equity capital to assets | 4.8351% | 6,699 |
| Core capital (leverage) ratio | 6.5964% | 6,583 |
| Tier 1 risk-based capital ratio | 12.3277% | 5,410 |
| Total risk-based capital ratio | 13.4067% | 5,456 |
| Memoranda: | ||
| Average total assets | $284,585,600 | 2,239 |
| Average earning assets | $267,730,800 | 2,201 |
| Average equity | $16,237,400 | 3,667 |
| Average total loans | $132,277,400 | 2,818 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 4,009 |
| Cost of funding earning assets | 0.9437% | 665 |
| Net interest margin | 3.0879% | 5,351 |
| Noninterest income to average assets | 0.2805% | 5,440 |
| Noninterest expense to average assets | 2.7339% | 3,886 |
| Loan and lease loss provision to assets | 0.0168% | 4,675 |
| Net operating income to assets | 0.3253% | 5,511 |
| Return on assets (ROA) | 0.5536% | 4,712 |
| Pretax return on assets | 0.7397% | 4,538 |
| Return on Equity (ROE) | 9.3497% | 2,464 |
| Retained earnings to average equity (ytd only) | 4.0589% | 3,802 |
| Net charge-offs to loans | 0.0164% | 4,797 |
| Credit loss provision to net charge-offs | 225.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 60.4454% | 755 |
| Efficiency ratio | 85.8086% | 1,375 |
| Assets per employee ($millions) | 3.4586% | 4,931 |
| Cash dividends to net income (ytd only)* | 56.5877% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 4,795 |
| Loan loss allowance to noncurrent loans | 52.0488% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 2,887 |
| Noncurrent loans to loans | 2.3395% | 1,875 |
| Net loans and leases to total assets | 46.4648% | 5,498 |
| Net loans and leases to deposits | 55.3352% | 5,431 |
| Net loans and leases to core deposits | 58.4317% | 5,419 |
| Total domestic deposits to total assets | 83.9697% | 4,199 |
| Equity capital to assets | 4.7222% | 6,792 |
| Core capital (leverage) ratio | 6.5423% | 6,661 |
| Tier 1 risk-based capital ratio | 12.0224% | 5,766 |
| Total risk-based capital ratio | 13.0934% | 5,828 |
| Memoranda: | ||
| Average total assets | $285,154,000 | 2,246 |
| Average earning assets | $268,305,250 | 2,202 |
| Average equity | $16,884,250 | 3,617 |
| Average total loans | $129,922,250 | 2,884 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 4,059 |
| Cost of funding earning assets | 0.9670% | 650 |
| Net interest margin | 3.0433% | 5,452 |
| Noninterest income to average assets | 0.2915% | 5,371 |
| Noninterest expense to average assets | 2.6609% | 4,179 |
| Loan and lease loss provision to assets | 0.0254% | 4,409 |
| Net operating income to assets | 0.3501% | 5,406 |
| Return on assets (ROA) | 0.5893% | 4,529 |
| Pretax return on assets | 0.7940% | 4,334 |
| Return on Equity (ROE) | 9.3092% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.3368% | 3,515 |
| Net charge-offs to loans | 0.0172% | 4,496 |
| Credit loss provision to net charge-offs | 327.2727% | 797 |
| Earnings coverage of net charge-offs (x) | 63.9091% | 673 |
| Efficiency ratio | 84.2835% | 1,597 |
| Assets per employee ($millions) | 3.5575% | 4,736 |
| Cash dividends to net income (ytd only)* | 53.4132% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,729 |
| Loan loss allowance to noncurrent loans | 52.5669% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 3,026 |
| Noncurrent loans to loans | 2.3818% | 1,977 |
| Net loans and leases to total assets | 45.6803% | 5,570 |
| Net loans and leases to deposits | 53.8806% | 5,529 |
| Net loans and leases to core deposits | 57.2689% | 5,497 |
| Total domestic deposits to total assets | 84.7806% | 4,005 |
| Equity capital to assets | 5.4227% | 6,798 |
| Core capital (leverage) ratio | 6.8394% | 6,650 |
| Tier 1 risk-based capital ratio | 11.9527% | 5,818 |
| Total risk-based capital ratio | 13.0276% | 5,884 |
| Memoranda: | ||
| Average total assets | $283,365,670 | 2,269 |
| Average earning assets | $266,813,670 | 2,214 |
| Average equity | $17,939,330 | 3,493 |
| Average total loans | $127,678,670 | 2,922 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 4,018 |
| Cost of funding earning assets | 0.9970% | 621 |
| Net interest margin | 3.0272% | 5,496 |
| Noninterest income to average assets | 0.2292% | 5,823 |
| Noninterest expense to average assets | 2.6821% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2968% | 5,578 |
| Return on assets (ROA) | 0.5595% | 4,574 |
| Pretax return on assets | 0.7460% | 4,392 |
| Return on Equity (ROE) | 8.2321% | 2,862 |
| Retained earnings to average equity (ytd only) | 3.5819% | 4,093 |
| Net charge-offs to loans | 0.0128% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 514 |
| Efficiency ratio | 87.1415% | 1,404 |
| Assets per employee ($millions) | 3.4444% | 5,105 |
| Cash dividends to net income (ytd only)* | 56.4885% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,769 |
| Loan loss allowance to noncurrent loans | 39.5467% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 1.9190% | 2,450 |
| Noncurrent loans to loans | 3.2557% | 1,495 |
| Net loans and leases to total assets | 45.0665% | 5,538 |
| Net loans and leases to deposits | 52.0556% | 5,612 |
| Net loans and leases to core deposits | 55.3611% | 5,574 |
| Total domestic deposits to total assets | 86.5738% | 3,197 |
| Equity capital to assets | 6.8610% | 6,737 |
| Core capital (leverage) ratio | 6.7756% | 6,699 |
| Tier 1 risk-based capital ratio | 12.2064% | 5,785 |
| Total risk-based capital ratio | 13.2980% | 5,839 |
| Memoranda: | ||
| Average total assets | $280,969,000 | 2,310 |
| Average earning assets | $264,404,000 | 2,261 |
| Average equity | $19,096,000 | 3,361 |
| Average total loans | $124,867,500 | 2,996 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 4,967 |
| Cost of funding earning assets | 1.1458% | 751 |
| Net interest margin | 2.9497% | 6,136 |
| Noninterest income to average assets | 0.4054% | 4,563 |
| Noninterest expense to average assets | 2.7260% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3346% | 5,350 |
| Return on assets (ROA) | 0.6091% | 4,458 |
| Pretax return on assets | 0.7940% | 4,313 |
| Return on Equity (ROE) | 8.6065% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.6711% | 3,640 |
| Net charge-offs to loans | 0.0407% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 23.3800% | 1,219 |
| Efficiency ratio | 86.1673% | 1,416 |
| Assets per employee ($millions) | 3.4931% | 5,021 |
| Cash dividends to net income (ytd only)* | 57.3448% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,441 |
| Loan loss allowance to noncurrent loans | 49.6227% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5325% | 3,087 |
| Noncurrent loans to loans | 2.7076% | 1,952 |
| Net loans and leases to total assets | 42.6650% | 5,934 |
| Net loans and leases to deposits | 51.6536% | 5,829 |
| Net loans and leases to core deposits | 55.0541% | 5,788 |
| Total domestic deposits to total assets | 82.5984% | 4,890 |
| Equity capital to assets | 6.7329% | 6,811 |
| Core capital (leverage) ratio | 6.8599% | 6,739 |
| Tier 1 risk-based capital ratio | 12.3133% | 5,591 |
| Total risk-based capital ratio | 13.4271% | 5,628 |
| Memoranda: | ||
| Average total assets | $267,134,200 | 2,371 |
| Average earning assets | $249,789,400 | 2,328 |
| Average equity | $18,904,400 | 3,347 |
| Average total loans | $122,873,400 | 3,023 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 5,082 |
| Cost of funding earning assets | 1.1795% | 758 |
| Net interest margin | 2.9499% | 6,273 |
| Noninterest income to average assets | 0.4711% | 4,128 |
| Noninterest expense to average assets | 2.7068% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3914% | 5,281 |
| Return on assets (ROA) | 0.7265% | 4,040 |
| Pretax return on assets | 0.9656% | 3,846 |
| Return on Equity (ROE) | 10.1333% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.2221% | 3,209 |
| Net charge-offs to loans | 0.0152% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 73.1280% | 571 |
| Efficiency ratio | 83.9171% | 1,596 |
| Assets per employee ($millions) | 3.4987% | 4,984 |
| Cash dividends to net income (ytd only)* | 48.4657% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 4,325 |
| Loan loss allowance to noncurrent loans | 50.3748% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 3,233 |
| Noncurrent loans to loans | 2.8030% | 2,008 |
| Net loans and leases to total assets | 42.4395% | 6,090 |
| Net loans and leases to deposits | 50.6652% | 6,061 |
| Net loans and leases to core deposits | 53.9729% | 6,049 |
| Total domestic deposits to total assets | 83.7646% | 4,333 |
| Equity capital to assets | 7.0413% | 6,874 |
| Core capital (leverage) ratio | 7.0287% | 6,791 |
| Tier 1 risk-based capital ratio | 12.6067% | 5,559 |
| Total risk-based capital ratio | 13.7684% | 5,586 |
| Memoranda: | ||
| Average total assets | $263,183,000 | 2,428 |
| Average earning assets | $245,744,250 | 2,394 |
| Average equity | $18,868,000 | 3,380 |
| Average total loans | $123,001,750 | 3,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 4,940 |
| Cost of funding earning assets | 1.2231% | 742 |
| Net interest margin | 2.9798% | 6,280 |
| Noninterest income to average assets | 0.5928% | 3,297 |
| Noninterest expense to average assets | 2.6834% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5067% | 4,786 |
| Return on assets (ROA) | 0.8888% | 3,226 |
| Pretax return on assets | 1.2010% | 2,921 |
| Return on Equity (ROE) | 12.3192% | 1,571 |
| Retained earnings to average equity (ytd only) | 7.9379% | 1,661 |
| Net charge-offs to loans | 0.0145% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 98.4444% | 433 |
| Efficiency ratio | 79.6696% | 2,240 |
| Assets per employee ($millions) | 3.4442% | 5,103 |
| Cash dividends to net income (ytd only)* | 35.5652% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,413 |
| Loan loss allowance to noncurrent loans | 45.6392% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 3,071 |
| Noncurrent loans to loans | 3.0941% | 1,904 |
| Net loans and leases to total assets | 44.3572% | 5,985 |
| Net loans and leases to deposits | 52.0914% | 6,020 |
| Net loans and leases to core deposits | 55.8734% | 5,955 |
| Total domestic deposits to total assets | 85.1527% | 3,795 |
| Equity capital to assets | 7.2434% | 6,862 |
| Core capital (leverage) ratio | 7.2626% | 6,736 |
| Tier 1 risk-based capital ratio | 12.7924% | 5,345 |
| Total risk-based capital ratio | 13.9744% | 5,368 |
| Memoranda: | ||
| Average total assets | $258,778,670 | 2,475 |
| Average earning assets | $241,026,000 | 2,428 |
| Average equity | $18,670,000 | 3,403 |
| Average total loans | $124,342,000 | 3,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 4,757 |
| Cost of funding earning assets | 1.2610% | 741 |
| Net interest margin | 3.0342% | 6,223 |
| Noninterest income to average assets | 0.2676% | 5,737 |
| Noninterest expense to average assets | 2.7531% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2737% | 5,737 |
| Return on assets (ROA) | 0.6495% | 4,335 |
| Pretax return on assets | 0.8186% | 4,348 |
| Return on Equity (ROE) | 9.0217% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.5652% | 4,438 |
| Net charge-offs to loans | -0.0347% | 6,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9282% | 1,183 |
| Assets per employee ($millions) | 3.3945% | 5,353 |
| Cash dividends to net income (ytd only)* | 60.4819% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,750 |
| Loan loss allowance to noncurrent loans | 51.4950% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 3,706 |
| Noncurrent loans to loans | 2.6496% | 2,455 |
| Net loans and leases to total assets | 47.1579% | 5,660 |
| Net loans and leases to deposits | 54.0254% | 5,805 |
| Net loans and leases to core deposits | 57.7388% | 5,734 |
| Total domestic deposits to total assets | 87.2884% | 2,776 |
| Equity capital to assets | 7.0473% | 6,929 |
| Core capital (leverage) ratio | 7.3251% | 6,716 |
| Tier 1 risk-based capital ratio | 12.4257% | 5,661 |
| Total risk-based capital ratio | 13.6236% | 5,664 |
| Memoranda: | ||
| Average total assets | $255,565,000 | 2,514 |
| Average earning assets | $238,218,000 | 2,464 |
| Average equity | $18,400,000 | 3,438 |
| Average total loans | $126,851,500 | 3,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 4,860 |
| Cost of funding earning assets | 1.3580% | 1,206 |
| Net interest margin | 3.1962% | 6,104 |
| Noninterest income to average assets | 0.2450% | 5,784 |
| Noninterest expense to average assets | 2.8366% | 4,213 |
| Loan and lease loss provision to assets | 0.1426% | 4,831 |
| Net operating income to assets | 0.2174% | 5,538 |
| Return on assets (ROA) | 0.5350% | 4,482 |
| Pretax return on assets | 0.6034% | 4,683 |
| Return on Equity (ROE) | 7.3924% | 3,202 |
| Retained earnings to average equity (ytd only) | 2.4343% | 4,487 |
| Net charge-offs to loans | 1.1026% | 1,564 |
| Credit loss provision to net charge-offs | 23.4823% | 5,871 |
| Earnings coverage of net charge-offs (x) | 0.6411% | 5,343 |
| Efficiency ratio | 87.9347% | 1,363 |
| Assets per employee ($millions) | 3.3751% | 5,315 |
| Cash dividends to net income (ytd only)* | 67.0704% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,831 |
| Loan loss allowance to noncurrent loans | 47.5709% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 3,542 |
| Noncurrent loans to loans | 2.7661% | 2,367 |
| Net loans and leases to total assets | 50.8679% | 5,482 |
| Net loans and leases to deposits | 58.4080% | 5,662 |
| Net loans and leases to core deposits | 62.7020% | 5,575 |
| Total domestic deposits to total assets | 87.0905% | 2,709 |
| Equity capital to assets | 7.3592% | 6,865 |
| Core capital (leverage) ratio | 7.2683% | 6,759 |
| Tier 1 risk-based capital ratio | 12.3268% | 5,600 |
| Total risk-based capital ratio | 13.5184% | 5,608 |
| Memoranda: | ||
| Average total assets | $246,914,600 | 2,560 |
| Average earning assets | $230,270,800 | 2,505 |
| Average equity | $17,869,800 | 3,446 |
| Average total loans | $135,953,000 | 2,877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 4,763 |
| Cost of funding earning assets | 1.3722% | 1,361 |
| Net interest margin | 3.2542% | 6,001 |
| Noninterest income to average assets | 0.2361% | 5,935 |
| Noninterest expense to average assets | 2.8388% | 4,194 |
| Loan and lease loss provision to assets | 0.1906% | 4,118 |
| Net operating income to assets | 0.2112% | 5,672 |
| Return on assets (ROA) | 0.5107% | 4,689 |
| Pretax return on assets | 0.5935% | 4,832 |
| Return on Equity (ROE) | 7.0865% | 3,484 |
| Retained earnings to average equity (ytd only) | 1.9764% | 5,149 |
| Net charge-offs to loans | 1.3802% | 1,098 |
| Credit loss provision to net charge-offs | 24.6844% | 5,496 |
| Earnings coverage of net charge-offs (x) | 0.5645% | 5,204 |
| Efficiency ratio | 86.6876% | 1,464 |
| Assets per employee ($millions) | 3.2783% | 5,519 |
| Cash dividends to net income (ytd only)* | 72.1101% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,827 |
| Loan loss allowance to noncurrent loans | 47.3981% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.6785% | 3,572 |
| Noncurrent loans to loans | 2.8228% | 2,467 |
| Net loans and leases to total assets | 52.2976% | 5,414 |
| Net loans and leases to deposits | 60.0790% | 5,619 |
| Net loans and leases to core deposits | 64.4141% | 5,573 |
| Total domestic deposits to total assets | 87.0480% | 2,624 |
| Equity capital to assets | 7.6391% | 6,875 |
| Core capital (leverage) ratio | 7.3379% | 6,838 |
| Tier 1 risk-based capital ratio | 12.2457% | 5,709 |
| Total risk-based capital ratio | 13.4907% | 5,696 |
| Memoranda: | ||
| Average total assets | $246,204,500 | 2,573 |
| Average earning assets | $229,889,250 | 2,513 |
| Average equity | $17,742,250 | 3,466 |
| Average total loans | $137,756,500 | 2,863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 4,655 |
| Cost of funding earning assets | 1.3592% | 1,603 |
| Net interest margin | 3.3115% | 5,822 |
| Noninterest income to average assets | 0.2316% | 5,995 |
| Noninterest expense to average assets | 2.7053% | 4,802 |
| Loan and lease loss provision to assets | 0.1990% | 3,937 |
| Net operating income to assets | 0.3661% | 5,105 |
| Return on assets (ROA) | 0.4910% | 4,679 |
| Pretax return on assets | 0.5668% | 4,851 |
| Return on Equity (ROE) | 6.9547% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.1243% | 3,574 |
| Net charge-offs to loans | 2.0766% | 633 |
| Credit loss provision to net charge-offs | 16.8276% | 5,178 |
| Earnings coverage of net charge-offs (x) | 0.5262% | 4,914 |
| Efficiency ratio | 81.2990% | 2,205 |
| Assets per employee ($millions) | 3.4573% | 5,061 |
| Cash dividends to net income (ytd only)* | 40.6977% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,663 |
| Loan loss allowance to noncurrent loans | 40.4756% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8042% | 3,502 |
| Noncurrent loans to loans | 2.8973% | 2,520 |
| Net loans and leases to total assets | 55.3197% | 5,101 |
| Net loans and leases to deposits | 67.0140% | 4,851 |
| Net loans and leases to core deposits | 71.6043% | 4,863 |
| Total domestic deposits to total assets | 82.5496% | 4,967 |
| Equity capital to assets | 7.4847% | 6,954 |
| Core capital (leverage) ratio | 7.2623% | 6,885 |
| Tier 1 risk-based capital ratio | 12.0224% | 5,773 |
| Total risk-based capital ratio | 13.1498% | 5,839 |
| Memoranda: | ||
| Average total assets | $245,222,330 | 2,601 |
| Average earning assets | $229,260,670 | 2,534 |
| Average equity | $17,312,000 | 3,524 |
| Average total loans | $139,653,000 | 2,853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 4,325 |
| Cost of funding earning assets | 1.3924% | 1,649 |
| Net interest margin | 3.3495% | 5,612 |
| Noninterest income to average assets | 0.2334% | 6,047 |
| Noninterest expense to average assets | 2.6248% | 5,134 |
| Loan and lease loss provision to assets | 0.2860% | 2,861 |
| Net operating income to assets | 0.4087% | 4,908 |
| Return on assets (ROA) | 0.4651% | 4,725 |
| Pretax return on assets | 0.5259% | 4,939 |
| Return on Equity (ROE) | 6.7978% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.2516% | 3,619 |
| Net charge-offs to loans | -0.0286% | 6,696 |
| Credit loss provision to net charge-offs | -1,740.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8265% | 2,873 |
| Assets per employee ($millions) | 3.5492% | 4,876 |
| Cash dividends to net income (ytd only)* | 37.4558% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 2,046 |
| Loan loss allowance to noncurrent loans | 70.6776% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 3,393 |
| Noncurrent loans to loans | 3.0614% | 2,454 |
| Net loans and leases to total assets | 55.8526% | 5,018 |
| Net loans and leases to deposits | 66.6431% | 4,885 |
| Net loans and leases to core deposits | 71.2892% | 4,892 |
| Total domestic deposits to total assets | 83.8084% | 4,565 |
| Equity capital to assets | 6.9104% | 7,110 |
| Core capital (leverage) ratio | 7.1956% | 6,917 |
| Tier 1 risk-based capital ratio | 12.0659% | 5,625 |
| Total risk-based capital ratio | 13.3260% | 5,615 |
| Memoranda: | ||
| Average total assets | $243,372,500 | 2,634 |
| Average earning assets | $228,091,500 | 2,565 |
| Average equity | $16,652,500 | 3,615 |
| Average total loans | $139,811,000 | 2,893 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 5,294 |
| Cost of funding earning assets | 1.5418% | 2,396 |
| Net interest margin | 3.2931% | 5,998 |
| Noninterest income to average assets | 0.2081% | 6,311 |
| Noninterest expense to average assets | 2.6863% | 5,049 |
| Loan and lease loss provision to assets | 0.5051% | 3,133 |
| Net operating income to assets | 0.1236% | 5,529 |
| Return on assets (ROA) | 0.5008% | 4,256 |
| Pretax return on assets | 0.5479% | 4,481 |
| Return on Equity (ROE) | 6.5073% | 3,343 |
| Retained earnings to average equity (ytd only) | 0.1066% | 5,528 |
| Net charge-offs to loans | 0.3984% | 4,051 |
| Credit loss provision to net charge-offs | 210.8108% | 1,454 |
| Earnings coverage of net charge-offs (x) | 2.6649% | 3,760 |
| Efficiency ratio | 80.7947% | 2,308 |
| Assets per employee ($millions) | 3.6644% | 4,537 |
| Cash dividends to net income (ytd only)* | 98.3621% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 2,219 |
| Loan loss allowance to noncurrent loans | 64.5242% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.0083% | 3,335 |
| Noncurrent loans to loans | 3.1491% | 2,418 |
| Net loans and leases to total assets | 56.6367% | 5,237 |
| Net loans and leases to deposits | 66.7962% | 5,293 |
| Net loans and leases to core deposits | 71.9436% | 5,221 |
| Total domestic deposits to total assets | 84.7903% | 3,949 |
| Equity capital to assets | 6.7736% | 7,187 |
| Core capital (leverage) ratio | 7.5869% | 6,629 |
| Tier 1 risk-based capital ratio | 12.1844% | 5,304 |
| Total risk-based capital ratio | 13.4435% | 5,275 |
| Memoranda: | ||
| Average total assets | $231,624,000 | 2,732 |
| Average earning assets | $219,217,800 | 2,643 |
| Average equity | $17,826,000 | 3,453 |
| Average total loans | $139,324,400 | 2,964 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 5,411 |
| Cost of funding earning assets | 1.5844% | 2,479 |
| Net interest margin | 3.2818% | 6,077 |
| Noninterest income to average assets | 0.2031% | 6,445 |
| Noninterest expense to average assets | 2.7159% | 4,809 |
| Loan and lease loss provision to assets | 0.4831% | 3,058 |
| Net operating income to assets | 0.1109% | 5,745 |
| Return on assets (ROA) | 0.4825% | 4,592 |
| Pretax return on assets | 0.5070% | 4,903 |
| Return on Equity (ROE) | 6.0775% | 3,778 |
| Retained earnings to average equity (ytd only) | -1.7888% | 6,160 |
| Net charge-offs to loans | 0.3736% | 3,807 |
| Credit loss provision to net charge-offs | 212.8205% | 1,650 |
| Earnings coverage of net charge-offs (x) | 2.6385% | 3,835 |
| Efficiency ratio | 81.9315% | 2,065 |
| Assets per employee ($millions) | 3.3924% | 5,222 |
| Cash dividends to net income (ytd only)* | 129.4325% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,500 |
| Loan loss allowance to noncurrent loans | 38.9424% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.9825% | 2,436 |
| Noncurrent loans to loans | 4.8617% | 1,448 |
| Net loans and leases to total assets | 59.8876% | 4,934 |
| Net loans and leases to deposits | 68.5298% | 5,343 |
| Net loans and leases to core deposits | 73.7748% | 5,321 |
| Total domestic deposits to total assets | 87.3891% | 2,324 |
| Equity capital to assets | 7.9105% | 6,863 |
| Core capital (leverage) ratio | 7.5677% | 6,798 |
| Tier 1 risk-based capital ratio | 12.4029% | 5,076 |
| Total risk-based capital ratio | 13.6612% | 5,036 |
| Memoranda: | ||
| Average total assets | $229,067,000 | 2,801 |
| Average earning assets | $217,193,500 | 2,698 |
| Average equity | $18,187,000 | 3,442 |
| Average total loans | $139,201,000 | 2,999 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 5,323 |
| Cost of funding earning assets | 1.6127% | 2,586 |
| Net interest margin | 3.3028% | 6,007 |
| Noninterest income to average assets | 0.1698% | 6,692 |
| Noninterest expense to average assets | 2.6552% | 5,103 |
| Loan and lease loss provision to assets | 0.2669% | 4,255 |
| Net operating income to assets | 0.3371% | 5,039 |
| Return on assets (ROA) | 0.6012% | 4,010 |
| Pretax return on assets | 0.6809% | 4,308 |
| Return on Equity (ROE) | 7.5633% | 3,086 |
| Retained earnings to average equity (ytd only) | 0.3963% | 5,607 |
| Net charge-offs to loans | 0.5726% | 2,821 |
| Credit loss provision to net charge-offs | 76.8262% | 4,796 |
| Earnings coverage of net charge-offs (x) | 1.8640% | 4,124 |
| Efficiency ratio | 80.3922% | 2,388 |
| Assets per employee ($millions) | 3.5982% | 4,701 |
| Cash dividends to net income (ytd only)* | 94.7598% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,844 |
| Loan loss allowance to noncurrent loans | 28.6751% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 3.3341% | 2,114 |
| Noncurrent loans to loans | 5.2812% | 1,279 |
| Net loans and leases to total assets | 59.3370% | 5,190 |
| Net loans and leases to deposits | 71.4581% | 5,080 |
| Net loans and leases to core deposits | 76.5498% | 5,133 |
| Total domestic deposits to total assets | 83.0375% | 4,558 |
| Equity capital to assets | 7.9030% | 6,845 |
| Core capital (leverage) ratio | 7.6844% | 6,630 |
| Tier 1 risk-based capital ratio | 12.6499% | 4,734 |
| Total risk-based capital ratio | 13.9037% | 4,700 |
| Memoranda: | ||
| Average total assets | $228,528,670 | 2,832 |
| Average earning assets | $216,784,000 | 2,719 |
| Average equity | $18,166,670 | 3,435 |
| Average total loans | $138,662,670 | 3,039 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 5,523 |
| Cost of funding earning assets | 1.6393% | 2,715 |
| Net interest margin | 3.2487% | 6,135 |
| Noninterest income to average assets | 0.2533% | 6,125 |
| Noninterest expense to average assets | 2.6566% | 5,119 |
| Loan and lease loss provision to assets | 0.2745% | 3,827 |
| Net operating income to assets | 0.3442% | 5,105 |
| Return on assets (ROA) | 0.6854% | 3,616 |
| Pretax return on assets | 0.7970% | 3,877 |
| Return on Equity (ROE) | 8.5962% | 2,627 |
| Retained earnings to average equity (ytd only) | 1.3772% | 5,257 |
| Net charge-offs to loans | -0.3083% | 7,750 |
| Credit loss provision to net charge-offs | -146.2264% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7448% | 2,605 |
| Assets per employee ($millions) | 3.3848% | 5,325 |
| Cash dividends to net income (ytd only)* | 83.9793% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 2,829 |
| Loan loss allowance to noncurrent loans | 32.1942% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 3.4063% | 2,078 |
| Noncurrent loans to loans | 5.4942% | 1,276 |
| Net loans and leases to total assets | 60.9027% | 4,956 |
| Net loans and leases to deposits | 71.9521% | 5,058 |
| Net loans and leases to core deposits | 77.1418% | 5,118 |
| Total domestic deposits to total assets | 84.6435% | 3,833 |
| Equity capital to assets | 8.0182% | 6,636 |
| Core capital (leverage) ratio | 7.8905% | 6,394 |
| Tier 1 risk-based capital ratio | 12.9128% | 4,397 |
| Total risk-based capital ratio | 14.1697% | 4,369 |
| Memoranda: | ||
| Average total assets | $225,850,000 | 2,924 |
| Average earning assets | $213,992,500 | 2,819 |
| Average equity | $18,008,000 | 3,479 |
| Average total loans | $137,536,500 | 3,118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 5,966 |
| Cost of funding earning assets | 1.8073% | 3,949 |
| Net interest margin | 3.3211% | 5,662 |
| Noninterest income to average assets | 0.2529% | 6,293 |
| Noninterest expense to average assets | 2.6566% | 5,571 |
| Loan and lease loss provision to assets | 0.7290% | 2,923 |
| Net operating income to assets | 0.0170% | 5,438 |
| Return on assets (ROA) | 0.6022% | 3,392 |
| Pretax return on assets | 0.6829% | 3,633 |
| Return on Equity (ROE) | 7.2522% | 2,690 |
| Retained earnings to average equity (ytd only) | -3.3804% | 5,766 |
| Net charge-offs to loans | 0.9071% | 2,575 |
| Credit loss provision to net charge-offs | 144.6619% | 3,296 |
| Earnings coverage of net charge-offs (x) | 1.4822% | 4,642 |
| Efficiency ratio | 78.0530% | 3,184 |
| Assets per employee ($millions) | 3.3076% | 5,474 |
| Cash dividends to net income (ytd only)* | 146.6121% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 3,066 |
| Loan loss allowance to noncurrent loans | 28.3278% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 3.4937% | 1,928 |
| Noncurrent loans to loans | 5.8437% | 1,076 |
| Net loans and leases to total assets | 58.7964% | 5,518 |
| Net loans and leases to deposits | 70.6151% | 5,522 |
| Net loans and leases to core deposits | 87.6722% | 5,361 |
| Total domestic deposits to total assets | 83.2632% | 4,398 |
| Equity capital to assets | 7.9283% | 6,645 |
| Core capital (leverage) ratio | 8.0495% | 6,085 |
| Tier 1 risk-based capital ratio | 13.2676% | 3,974 |
| Total risk-based capital ratio | 14.5231% | 3,912 |
| Memoranda: | ||
| Average total assets | $223,032,200 | 2,903 |
| Average earning assets | $211,587,200 | 2,819 |
| Average equity | $18,518,600 | 3,422 |
| Average total loans | $123,914,200 | 3,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 5,940 |
| Cost of funding earning assets | 1.8374% | 4,211 |
| Net interest margin | 3.3474% | 5,454 |
| Noninterest income to average assets | 0.2684% | 6,316 |
| Noninterest expense to average assets | 2.6539% | 5,513 |
| Loan and lease loss provision to assets | 0.7836% | 2,414 |
| Net operating income to assets | 0.0113% | 5,685 |
| Return on assets (ROA) | 0.6626% | 3,406 |
| Pretax return on assets | 0.7327% | 3,753 |
| Return on Equity (ROE) | 7.8898% | 2,692 |
| Retained earnings to average equity (ytd only) | -1.4695% | 5,602 |
| Net charge-offs to loans | 1.2654% | 1,621 |
| Credit loss provision to net charge-offs | 113.6403% | 4,470 |
| Earnings coverage of net charge-offs (x) | 1.1494% | 4,917 |
| Efficiency ratio | 77.0033% | 3,324 |
| Assets per employee ($millions) | 3.1803% | 5,698 |
| Cash dividends to net income (ytd only)* | 118.6257% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 3,452 |
| Loan loss allowance to noncurrent loans | 29.4458% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 3.0232% | 2,295 |
| Noncurrent loans to loans | 5.0880% | 1,280 |
| Net loans and leases to total assets | 57.1853% | 6,014 |
| Net loans and leases to deposits | 67.7095% | 6,155 |
| Net loans and leases to core deposits | 82.2350% | 6,166 |
| Total domestic deposits to total assets | 84.4568% | 3,500 |
| Equity capital to assets | 8.7560% | 5,871 |
| Core capital (leverage) ratio | 8.1656% | 6,076 |
| Tier 1 risk-based capital ratio | 14.7920% | 3,136 |
| Total risk-based capital ratio | 16.0458% | 3,079 |
| Memoranda: | ||
| Average total assets | $222,561,000 | 2,923 |
| Average earning assets | $211,303,750 | 2,836 |
| Average equity | $18,690,250 | 3,419 |
| Average total loans | $121,275,500 | 3,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 6,238 |
| Cost of funding earning assets | 1.8563% | 4,481 |
| Net interest margin | 3.2989% | 5,557 |
| Noninterest income to average assets | 0.2680% | 6,356 |
| Noninterest expense to average assets | 2.5826% | 5,809 |
| Loan and lease loss provision to assets | 0.9971% | 1,689 |
| Net operating income to assets | -0.1475% | 6,100 |
| Return on assets (ROA) | 0.6196% | 3,707 |
| Pretax return on assets | 0.7175% | 3,945 |
| Return on Equity (ROE) | 7.4805% | 2,990 |
| Retained earnings to average equity (ytd only) | 0.4837% | 5,014 |
| Net charge-offs to loans | 0.0267% | 6,101 |
| Credit loss provision to net charge-offs | 7,000.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 616 |
| Efficiency ratio | 75.8431% | 3,718 |
| Assets per employee ($millions) | 3.2461% | 5,460 |
| Cash dividends to net income (ytd only)* | 93.5345% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 1,032 |
| Loan loss allowance to noncurrent loans | 41.3571% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 3.1657% | 1,982 |
| Noncurrent loans to loans | 5.7054% | 996 |
| Net loans and leases to total assets | 53.0149% | 6,566 |
| Net loans and leases to deposits | 64.8505% | 6,486 |
| Net loans and leases to core deposits | 79.4002% | 6,452 |
| Total domestic deposits to total assets | 81.7494% | 4,797 |
| Equity capital to assets | 8.0865% | 6,646 |
| Core capital (leverage) ratio | 8.4693% | 5,496 |
| Tier 1 risk-based capital ratio | 15.5900% | 2,777 |
| Total risk-based capital ratio | 16.8543% | 2,698 |
| Memoranda: | ||
| Average total assets | $224,660,670 | 2,919 |
| Average earning assets | $213,646,330 | 2,823 |
| Average equity | $18,608,330 | 3,449 |
| Average total loans | $119,850,330 | 3,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 5,860 |
| Cost of funding earning assets | 1.9062% | 4,592 |
| Net interest margin | 3.4027% | 5,130 |
| Noninterest income to average assets | 0.2877% | 6,137 |
| Noninterest expense to average assets | 2.3899% | 6,229 |
| Loan and lease loss provision to assets | 1.3856% | 924 |
| Net operating income to assets | -0.2081% | 6,564 |
| Return on assets (ROA) | 0.6231% | 4,104 |
| Pretax return on assets | 0.7290% | 4,327 |
| Return on Equity (ROE) | 7.4365% | 3,407 |
| Retained earnings to average equity (ytd only) | 0.5688% | 5,434 |
| Net charge-offs to loans | 0.0401% | 4,932 |
| Credit loss provision to net charge-offs | 6,541.6667% | 108 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 685 |
| Efficiency ratio | 67.7678% | 5,009 |
| Assets per employee ($millions) | 3.1808% | 5,649 |
| Cash dividends to net income (ytd only)* | 92.3513% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,261 |
| Loan loss allowance to noncurrent loans | 34.5223% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 3.3441% | 1,634 |
| Noncurrent loans to loans | 6.0409% | 790 |
| Net loans and leases to total assets | 54.2031% | 6,441 |
| Net loans and leases to deposits | 64.2409% | 6,541 |
| Net loans and leases to core deposits | 78.0046% | 6,536 |
| Total domestic deposits to total assets | 84.3748% | 3,518 |
| Equity capital to assets | 8.6994% | 5,764 |
| Core capital (leverage) ratio | 8.2302% | 6,037 |
| Tier 1 risk-based capital ratio | 16.1327% | 2,641 |
| Total risk-based capital ratio | 17.3947% | 2,578 |
| Memoranda: | ||
| Average total assets | $226,622,000 | 2,910 |
| Average earning assets | $215,713,500 | 2,812 |
| Average equity | $18,987,500 | 3,418 |
| Average total loans | $119,849,500 | 3,561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7803% | 6,500 |
| Cost of funding earning assets | 2.2893% | 5,205 |
| Net interest margin | 3.4911% | 5,326 |
| Noninterest income to average assets | 0.2240% | 6,840 |
| Noninterest expense to average assets | 2.4168% | 6,336 |
| Loan and lease loss provision to assets | 0.4113% | 3,230 |
| Net operating income to assets | 0.5273% | 4,623 |
| Return on assets (ROA) | 0.6874% | 3,787 |
| Pretax return on assets | 0.9285% | 3,629 |
| Return on Equity (ROE) | 8.2044% | 2,976 |
| Retained earnings to average equity (ytd only) | 1.1883% | 4,521 |
| Net charge-offs to loans | 0.3029% | 3,375 |
| Credit loss provision to net charge-offs | 264.2442% | 1,752 |
| Earnings coverage of net charge-offs (x) | 7.2180% | 3,159 |
| Efficiency ratio | 68.2643% | 4,677 |
| Assets per employee ($millions) | 3.4846% | 4,711 |
| Cash dividends to net income (ytd only)* | 85.5168% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 2,990 |
| Loan loss allowance to noncurrent loans | 24.5200% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 3.0466% | 1,506 |
| Noncurrent loans to loans | 5.8609% | 638 |
| Net loans and leases to total assets | 49.9008% | 7,041 |
| Net loans and leases to deposits | 68.2559% | 6,436 |
| Net loans and leases to core deposits | 80.7244% | 6,559 |
| Total domestic deposits to total assets | 73.1085% | 6,811 |
| Equity capital to assets | 8.0856% | 6,726 |
| Core capital (leverage) ratio | 7.7111% | 6,909 |
| Tier 1 risk-based capital ratio | 15.3455% | 2,904 |
| Total risk-based capital ratio | 16.5981% | 2,835 |
| Memoranda: | ||
| Average total assets | $220,992,200 | 2,866 |
| Average earning assets | $209,935,400 | 2,773 |
| Average equity | $18,514,400 | 3,474 |
| Average total loans | $113,585,000 | 3,593 |