Home > Marion County State Bank > Performance and Condition Ratios
Marion County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 3,695 |
| Cost of funding earning assets | 1.1266% | 2,998 |
| Net interest margin | 3.0362% | 3,209 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.7871% | 4,020 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3668% | 1,286 |
| Return on assets (ROA) | 1.3113% | 1,381 |
| Pretax return on assets | 1.3633% | 1,713 |
| Return on Equity (ROE) | 17.2700% | 918 |
| Retained earnings to average equity (ytd only) | 5.6697% | 2,363 |
| Net charge-offs to loans | 0.0558% | 1,301 |
| Credit loss provision to net charge-offs | 466.3866% | 711 |
| Earnings coverage of net charge-offs (x) | 43.0294% | 1,399 |
| Efficiency ratio | 51.9518% | 3,837 |
| Assets per employee ($millions) | 11.6937% | 443 |
| Cash dividends to net income (ytd only)* | 67.1612% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 4,253 |
| Loan loss allowance to noncurrent loans | 76.6562% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 968 |
| Noncurrent loans to loans | 0.7761% | 1,002 |
| Net loans and leases to total assets | 67.5800% | 2,086 |
| Net loans and leases to deposits | 77.6374% | 2,305 |
| Net loans and leases to core deposits | 80.9111% | 2,657 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 7.9716% | 3,437 |
| Core capital (leverage) ratio | 9.3174% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6296% | 2,016 |
| Memoranda: | ||
| Average total assets | $642,557,000 | 1,388 |
| Average earning assets | $611,818,200 | 1,358 |
| Average equity | $48,803,200 | 1,639 |
| Average total loans | $426,612,400 | 1,409 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,758 |
| Cost of funding earning assets | 1.0293% | 2,952 |
| Net interest margin | 3.0212% | 3,303 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 1.7768% | 4,021 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5003% | 1,124 |
| Return on assets (ROA) | 1.4249% | 1,248 |
| Pretax return on assets | 1.4748% | 1,622 |
| Return on Equity (ROE) | 19.0100% | 819 |
| Retained earnings to average equity (ytd only) | 7.1498% | 2,234 |
| Net charge-offs to loans | 0.0756% | 950 |
| Credit loss provision to net charge-offs | 151.2605% | 1,317 |
| Earnings coverage of net charge-offs (x) | 32.6555% | 1,551 |
| Efficiency ratio | 51.2335% | 3,813 |
| Assets per employee ($millions) | 10.5660% | 565 |
| Cash dividends to net income (ytd only)* | 62.3842% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4445% | 4,379 |
| Loan loss allowance to noncurrent loans | 28.3798% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 422 |
| Noncurrent loans to loans | 1.5661% | 451 |
| Net loans and leases to total assets | 67.6300% | 2,087 |
| Net loans and leases to deposits | 82.6947% | 1,853 |
| Net loans and leases to core deposits | 87.2388% | 2,108 |
| Total domestic deposits to total assets | 81.7800% | 3,254 |
| Equity capital to assets | 7.0101% | 3,606 |
| Core capital (leverage) ratio | 9.4206% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2302% | 1,808 |
| Memoranda: | ||
| Average total assets | $636,560,750 | 1,398 |
| Average earning assets | $605,971,000 | 1,367 |
| Average equity | $47,720,500 | 1,652 |
| Average total loans | $419,979,000 | 1,417 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,668 |
| Cost of funding earning assets | 0.9030% | 2,917 |
| Net interest margin | 3.1059% | 3,213 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 1.8151% | 3,967 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.6166% | 922 |
| Return on assets (ROA) | 1.5031% | 1,099 |
| Pretax return on assets | 1.5466% | 1,504 |
| Return on Equity (ROE) | 19.6200% | 751 |
| Retained earnings to average equity (ytd only) | 7.9643% | 1,975 |
| Net charge-offs to loans | 0.0807% | 783 |
| Credit loss provision to net charge-offs | 143.7126% | 1,220 |
| Earnings coverage of net charge-offs (x) | 33.0120% | 1,504 |
| Efficiency ratio | 50.1065% | 3,922 |
| Assets per employee ($millions) | 10.5899% | 561 |
| Cash dividends to net income (ytd only)* | 59.4039% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4436% | 4,417 |
| Loan loss allowance to noncurrent loans | 47.6850% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 773 |
| Noncurrent loans to loans | 0.9302% | 827 |
| Net loans and leases to total assets | 66.9400% | 2,061 |
| Net loans and leases to deposits | 77.9186% | 2,140 |
| Net loans and leases to core deposits | 82.0075% | 2,335 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 7.6979% | 3,404 |
| Core capital (leverage) ratio | 9.2901% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0026% | 1,897 |
| Memoranda: | ||
| Average total assets | $633,906,000 | 1,404 |
| Average earning assets | $604,196,333 | 1,370 |
| Average equity | $48,566,667 | 1,635 |
| Average total loans | $414,027,333 | 1,418 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 3,765 |
| Cost of funding earning assets | 0.7563% | 2,879 |
| Net interest margin | 3.0954% | 3,362 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.7506% | 4,114 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.4893% | 1,209 |
| Return on assets (ROA) | 1.2667% | 1,729 |
| Pretax return on assets | 1.3336% | 2,076 |
| Return on Equity (ROE) | 16.5700% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.8766% | 3,044 |
| Net charge-offs to loans | 0.0461% | 894 |
| Credit loss provision to net charge-offs | 255.3191% | 743 |
| Earnings coverage of net charge-offs (x) | 55.3617% | 1,062 |
| Efficiency ratio | 50.5118% | 3,891 |
| Assets per employee ($millions) | 10.9490% | 517 |
| Cash dividends to net income (ytd only)* | 70.5736% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4526% | 4,471 |
| Loan loss allowance to noncurrent loans | 1,030.4348% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,493 |
| Noncurrent loans to loans | 0.0439% | 3,423 |
| Net loans and leases to total assets | 65.6700% | 2,098 |
| Net loans and leases to deposits | 75.0542% | 2,204 |
| Net loans and leases to core deposits | 78.3466% | 2,365 |
| Total domestic deposits to total assets | 87.4900% | 2,095 |
| Equity capital to assets | 7.8782% | 3,322 |
| Core capital (leverage) ratio | 9.2373% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6629% | 1,741 |
| Memoranda: | ||
| Average total assets | $633,161,000 | 1,429 |
| Average earning assets | $603,992,000 | 1,394 |
| Average equity | $48,394,000 | 1,648 |
| Average total loans | $407,428,000 | 1,456 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 3,151 |
| Cost of funding earning assets | 0.3110% | 2,786 |
| Net interest margin | 3.1600% | 2,986 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.8323% | 3,967 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4450% | 1,019 |
| Return on assets (ROA) | 1.4452% | 978 |
| Pretax return on assets | 1.5286% | 1,369 |
| Return on Equity (ROE) | 17.8500% | 727 |
| Retained earnings to average equity (ytd only) | 6.8238% | 2,313 |
| Net charge-offs to loans | 0.0745% | 901 |
| Credit loss provision to net charge-offs | 167.8322% | 1,224 |
| Earnings coverage of net charge-offs (x) | 35.6259% | 1,572 |
| Efficiency ratio | 52.0616% | 3,975 |
| Assets per employee ($millions) | 10.8842% | 524 |
| Cash dividends to net income (ytd only)* | 61.7647% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 4,471 |
| Loan loss allowance to noncurrent loans | 483.5544% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,209 |
| Noncurrent loans to loans | 0.0952% | 3,084 |
| Net loans and leases to total assets | 62.4300% | 2,393 |
| Net loans and leases to deposits | 68.8533% | 2,676 |
| Net loans and leases to core deposits | 70.0315% | 2,866 |
| Total domestic deposits to total assets | 90.6700% | 1,073 |
| Equity capital to assets | 7.4068% | 3,433 |
| Core capital (leverage) ratio | 9.2232% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2022% | 1,894 |
| Memoranda: | ||
| Average total assets | $635,213,200 | 1,412 |
| Average earning assets | $595,786,200 | 1,396 |
| Average equity | $51,437,600 | 1,579 |
| Average total loans | $384,011,600 | 1,442 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 2,968 |
| Cost of funding earning assets | 0.2457% | 2,753 |
| Net interest margin | 3.1345% | 2,817 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8122% | 3,963 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.4647% | 922 |
| Return on assets (ROA) | 1.4649% | 906 |
| Pretax return on assets | 1.5420% | 1,297 |
| Return on Equity (ROE) | 17.7200% | 683 |
| Retained earnings to average equity (ytd only) | 6.9317% | 2,386 |
| Net charge-offs to loans | 0.0987% | 622 |
| Credit loss provision to net charge-offs | 127.6596% | 1,187 |
| Earnings coverage of net charge-offs (x) | 27.3652% | 1,565 |
| Efficiency ratio | 51.5339% | 4,043 |
| Assets per employee ($millions) | 10.1217% | 634 |
| Cash dividends to net income (ytd only)* | 60.8727% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4466% | 4,519 |
| Loan loss allowance to noncurrent loans | 154.3400% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 2,058 |
| Noncurrent loans to loans | 0.2893% | 2,208 |
| Net loans and leases to total assets | 61.6400% | 2,337 |
| Net loans and leases to deposits | 67.5691% | 2,571 |
| Net loans and leases to core deposits | 68.5331% | 2,754 |
| Total domestic deposits to total assets | 91.2200% | 1,151 |
| Equity capital to assets | 6.7963% | 3,619 |
| Core capital (leverage) ratio | 8.8607% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1551% | 1,661 |
| Memoranda: | ||
| Average total assets | $636,196,000 | 1,422 |
| Average earning assets | $594,152,250 | 1,405 |
| Average equity | $52,607,500 | 1,576 |
| Average total loans | $381,028,750 | 1,448 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 2,693 |
| Cost of funding earning assets | 0.2001% | 2,910 |
| Net interest margin | 3.1143% | 2,490 |
| Noninterest income to average assets | 0.5613% | 1,899 |
| Noninterest expense to average assets | 1.7944% | 3,969 |
| Loan and lease loss provision to assets | 0.0747% | 1,287 |
| Net operating income to assets | 1.5058% | 696 |
| Return on assets (ROA) | 1.5061% | 672 |
| Pretax return on assets | 1.5855% | 978 |
| Return on Equity (ROE) | 17.2306% | 542 |
| Retained earnings to average equity (ytd only) | 7.1159% | 1,950 |
| Net charge-offs to loans | 0.0725% | 728 |
| Credit loss provision to net charge-offs | 173.9130% | 1,035 |
| Earnings coverage of net charge-offs (x) | 38.6377% | 1,277 |
| Efficiency ratio | 50.6218% | 4,213 |
| Assets per employee ($millions) | 10.3222% | 600 |
| Cash dividends to net income (ytd only)* | 58.7019% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4469% | 4,591 |
| Loan loss allowance to noncurrent loans | 59.5115% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 1,142 |
| Noncurrent loans to loans | 0.7509% | 1,145 |
| Net loans and leases to total assets | 59.2674% | 2,409 |
| Net loans and leases to deposits | 64.1166% | 2,712 |
| Net loans and leases to core deposits | 64.8473% | 2,905 |
| Total domestic deposits to total assets | 92.4368% | 678 |
| Equity capital to assets | 7.3470% | 3,569 |
| Core capital (leverage) ratio | 8.7332% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8277% | 2,137 |
| Memoranda: | ||
| Average total assets | $642,454,333 | 1,403 |
| Average earning assets | $596,797,000 | 1,413 |
| Average equity | $56,156,000 | 1,522 |
| Average total loans | $380,618,667 | 1,436 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3461% | 2,255 |
| Cost of funding earning assets | 0.1923% | 2,907 |
| Net interest margin | 3.1538% | 2,012 |
| Noninterest income to average assets | 0.6045% | 1,673 |
| Noninterest expense to average assets | 1.8073% | 3,925 |
| Loan and lease loss provision to assets | 0.0752% | 1,097 |
| Net operating income to assets | 1.5774% | 542 |
| Return on assets (ROA) | 1.5774% | 533 |
| Pretax return on assets | 1.6607% | 742 |
| Return on Equity (ROE) | 16.6906% | 457 |
| Retained earnings to average equity (ytd only) | 7.2383% | 1,813 |
| Net charge-offs to loans | 0.0753% | 619 |
| Credit loss provision to net charge-offs | 169.0141% | 826 |
| Earnings coverage of net charge-offs (x) | 39.0282% | 1,017 |
| Efficiency ratio | 49.6641% | 4,327 |
| Assets per employee ($millions) | 10.4044% | 613 |
| Cash dividends to net income (ytd only)* | 56.6322% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4467% | 4,622 |
| Loan loss allowance to noncurrent loans | 49.8069% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 1,129 |
| Noncurrent loans to loans | 0.8968% | 1,035 |
| Net loans and leases to total assets | 58.8894% | 2,195 |
| Net loans and leases to deposits | 64.6193% | 2,472 |
| Net loans and leases to core deposits | 65.3672% | 2,683 |
| Total domestic deposits to total assets | 91.1328% | 964 |
| Equity capital to assets | 8.6787% | 2,995 |
| Core capital (leverage) ratio | 8.5323% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7865% | 1,878 |
| Memoranda: | ||
| Average total assets | $638,533,000 | 1,419 |
| Average earning assets | $594,957,500 | 1,422 |
| Average equity | $60,345,500 | 1,477 |
| Average total loans | $377,356,000 | 1,437 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 2,698 |
| Cost of funding earning assets | 0.2602% | 2,811 |
| Net interest margin | 3.2249% | 2,541 |
| Noninterest income to average assets | 0.5963% | 2,177 |
| Noninterest expense to average assets | 1.8297% | 4,088 |
| Loan and lease loss provision to assets | 0.0783% | 1,557 |
| Net operating income to assets | 1.5972% | 817 |
| Return on assets (ROA) | 1.6076% | 821 |
| Pretax return on assets | 1.6880% | 1,182 |
| Return on Equity (ROE) | 15.1952% | 910 |
| Retained earnings to average equity (ytd only) | 6.3192% | 2,217 |
| Net charge-offs to loans | 0.3373% | 251 |
| Credit loss provision to net charge-offs | 38.5542% | 2,202 |
| Earnings coverage of net charge-offs (x) | 8.6426% | 2,291 |
| Efficiency ratio | 49.4312% | 4,327 |
| Assets per employee ($millions) | 10.3613% | 603 |
| Cash dividends to net income (ytd only)* | 58.4128% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4292% | 4,675 |
| Loan loss allowance to noncurrent loans | 132.6813% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 2,606 |
| Noncurrent loans to loans | 0.3235% | 2,431 |
| Net loans and leases to total assets | 58.7883% | 2,301 |
| Net loans and leases to deposits | 65.6020% | 2,548 |
| Net loans and leases to core deposits | 66.4206% | 2,783 |
| Total domestic deposits to total assets | 89.6136% | 1,161 |
| Equity capital to assets | 10.2133% | 2,455 |
| Core capital (leverage) ratio | 8.4006% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8042% | 2,318 |
| Memoranda: | ||
| Average total assets | $612,981,000 | 1,425 |
| Average earning assets | $568,104,600 | 1,434 |
| Average equity | $64,849,600 | 1,428 |
| Average total loans | $369,077,400 | 1,465 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2102% | 3,587 |
| Cost of funding earning assets | 0.2714% | 2,879 |
| Net interest margin | 2.9387% | 3,462 |
| Noninterest income to average assets | 0.9711% | 1,118 |
| Noninterest expense to average assets | 1.8097% | 4,145 |
| Loan and lease loss provision to assets | 0.0793% | 1,492 |
| Net operating income to assets | 1.7135% | 806 |
| Return on assets (ROA) | 1.7238% | 818 |
| Pretax return on assets | 1.8152% | 1,128 |
| Return on Equity (ROE) | 16.1457% | 917 |
| Retained earnings to average equity (ytd only) | 7.2151% | 2,338 |
| Net charge-offs to loans | 0.2717% | 304 |
| Credit loss provision to net charge-offs | 48.1928% | 1,871 |
| Earnings coverage of net charge-offs (x) | 11.4538% | 1,996 |
| Efficiency ratio | 47.6335% | 4,393 |
| Assets per employee ($millions) | 9.6635% | 720 |
| Cash dividends to net income (ytd only)* | 55.3129% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5502% | 4,672 |
| Loan loss allowance to noncurrent loans | 158.9074% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,763 |
| Noncurrent loans to loans | 0.3463% | 2,539 |
| Net loans and leases to total assets | 58.6520% | 2,407 |
| Net loans and leases to deposits | 67.5179% | 2,482 |
| Net loans and leases to core deposits | 68.5587% | 2,730 |
| Total domestic deposits to total assets | 86.8689% | 2,401 |
| Equity capital to assets | 10.7276% | 2,239 |
| Core capital (leverage) ratio | 8.5115% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7478% | 2,068 |
| Memoranda: | ||
| Average total assets | $605,626,750 | 1,455 |
| Average earning assets | $560,998,000 | 1,467 |
| Average equity | $64,659,500 | 1,447 |
| Average total loans | $366,526,000 | 1,499 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 3,622 |
| Cost of funding earning assets | 0.2847% | 2,924 |
| Net interest margin | 2.9408% | 3,469 |
| Noninterest income to average assets | 1.0570% | 981 |
| Noninterest expense to average assets | 1.8342% | 4,112 |
| Loan and lease loss provision to assets | 0.0798% | 1,519 |
| Net operating income to assets | 1.7501% | 800 |
| Return on assets (ROA) | 1.7644% | 812 |
| Pretax return on assets | 1.8582% | 1,101 |
| Return on Equity (ROE) | 16.5530% | 850 |
| Retained earnings to average equity (ytd only) | 7.4886% | 2,257 |
| Net charge-offs to loans | 0.0104% | 1,765 |
| Credit loss provision to net charge-offs | 1,263.1579% | 403 |
| Earnings coverage of net charge-offs (x) | 304.3158% | 369 |
| Efficiency ratio | 47.4197% | 4,430 |
| Assets per employee ($millions) | 9.5516% | 697 |
| Cash dividends to net income (ytd only)* | 54.7597% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 4,473 |
| Loan loss allowance to noncurrent loans | 73.3446% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 1,434 |
| Noncurrent loans to loans | 1.0042% | 1,225 |
| Net loans and leases to total assets | 57.6290% | 2,711 |
| Net loans and leases to deposits | 65.5145% | 2,865 |
| Net loans and leases to core deposits | 66.5545% | 3,069 |
| Total domestic deposits to total assets | 87.9638% | 1,846 |
| Equity capital to assets | 10.6399% | 2,278 |
| Core capital (leverage) ratio | 8.2710% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4811% | 2,175 |
| Memoranda: | ||
| Average total assets | $601,348,667 | 1,458 |
| Average earning assets | $552,167,000 | 1,480 |
| Average equity | $64,097,333 | 1,446 |
| Average total loans | $367,119,000 | 1,494 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2946% | 3,460 |
| Cost of funding earning assets | 0.2919% | 3,078 |
| Net interest margin | 3.0027% | 3,249 |
| Noninterest income to average assets | 0.9933% | 1,140 |
| Noninterest expense to average assets | 1.8673% | 4,061 |
| Loan and lease loss provision to assets | 0.0805% | 1,610 |
| Net operating income to assets | 1.6889% | 961 |
| Return on assets (ROA) | 1.6889% | 1,012 |
| Pretax return on assets | 1.7781% | 1,333 |
| Return on Equity (ROE) | 15.8303% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.8652% | 2,620 |
| Net charge-offs to loans | 0.0043% | 1,763 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 692.7500% | 136 |
| Efficiency ratio | 48.6589% | 4,289 |
| Assets per employee ($millions) | 9.6060% | 675 |
| Cash dividends to net income (ytd only)* | 56.6322% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6634% | 4,620 |
| Loan loss allowance to noncurrent loans | 53.1780% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 1,158 |
| Noncurrent loans to loans | 1.2475% | 1,047 |
| Net loans and leases to total assets | 62.1073% | 2,277 |
| Net loans and leases to deposits | 70.4433% | 2,466 |
| Net loans and leases to core deposits | 71.6639% | 2,728 |
| Total domestic deposits to total assets | 88.1664% | 1,755 |
| Equity capital to assets | 10.4598% | 2,304 |
| Core capital (leverage) ratio | 8.3877% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6182% | 2,440 |
| Memoranda: | ||
| Average total assets | $596,370,500 | 1,455 |
| Average earning assets | $542,713,500 | 1,492 |
| Average equity | $63,625,000 | 1,444 |
| Average total loans | $373,227,000 | 1,481 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 3,105 |
| Cost of funding earning assets | 0.4898% | 3,015 |
| Net interest margin | 3.3836% | 2,821 |
| Noninterest income to average assets | 0.8174% | 1,482 |
| Noninterest expense to average assets | 2.0408% | 4,061 |
| Loan and lease loss provision to assets | 0.0943% | 3,170 |
| Net operating income to assets | 1.6911% | 514 |
| Return on assets (ROA) | 1.6920% | 552 |
| Pretax return on assets | 1.7561% | 755 |
| Return on Equity (ROE) | 15.3362% | 586 |
| Retained earnings to average equity (ytd only) | 5.2169% | 2,177 |
| Net charge-offs to loans | 0.0212% | 2,636 |
| Credit loss provision to net charge-offs | 684.9315% | 1,002 |
| Earnings coverage of net charge-offs (x) | 134.3014% | 632 |
| Efficiency ratio | 50.6449% | 4,491 |
| Assets per employee ($millions) | 9.3264% | 669 |
| Cash dividends to net income (ytd only)* | 65.9828% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 4,660 |
| Loan loss allowance to noncurrent loans | 38.5756% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 888 |
| Noncurrent loans to loans | 1.6860% | 767 |
| Net loans and leases to total assets | 62.2385% | 2,576 |
| Net loans and leases to deposits | 70.8642% | 2,787 |
| Net loans and leases to core deposits | 72.1367% | 3,064 |
| Total domestic deposits to total assets | 87.8278% | 1,562 |
| Equity capital to assets | 10.8839% | 2,356 |
| Core capital (leverage) ratio | 8.4642% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9073% | 2,666 |
| Memoranda: | ||
| Average total assets | $530,090,200 | 1,471 |
| Average earning assets | $481,410,600 | 1,503 |
| Average equity | $58,482,600 | 1,478 |
| Average total loans | $344,148,600 | 1,521 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,000 |
| Cost of funding earning assets | 0.5468% | 2,953 |
| Net interest margin | 3.4422% | 2,775 |
| Noninterest income to average assets | 0.7254% | 1,717 |
| Noninterest expense to average assets | 2.0933% | 3,965 |
| Loan and lease loss provision to assets | 0.1099% | 2,945 |
| Net operating income to assets | 1.5660% | 783 |
| Return on assets (ROA) | 1.5672% | 858 |
| Pretax return on assets | 1.6499% | 1,070 |
| Return on Equity (ROE) | 14.1510% | 853 |
| Retained earnings to average equity (ytd only) | 3.6626% | 3,222 |
| Net charge-offs to loans | -0.0142% | 4,315 |
| Credit loss provision to net charge-offs | -1,180.5556% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4129% | 4,301 |
| Assets per employee ($millions) | 8.7542% | 760 |
| Cash dividends to net income (ytd only)* | 74.1175% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 4,634 |
| Loan loss allowance to noncurrent loans | 38.5580% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 711 |
| Noncurrent loans to loans | 1.7214% | 789 |
| Net loans and leases to total assets | 64.8572% | 2,652 |
| Net loans and leases to deposits | 74.3757% | 2,919 |
| Net loans and leases to core deposits | 75.8255% | 3,181 |
| Total domestic deposits to total assets | 87.2022% | 1,575 |
| Equity capital to assets | 11.1208% | 2,305 |
| Core capital (leverage) ratio | 8.5213% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0829% | 2,579 |
| Memoranda: | ||
| Average total assets | $515,721,250 | 1,482 |
| Average earning assets | $468,413,750 | 1,519 |
| Average equity | $57,115,750 | 1,493 |
| Average total loans | $338,164,250 | 1,538 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 2,783 |
| Cost of funding earning assets | 0.6352% | 2,783 |
| Net interest margin | 3.5597% | 2,612 |
| Noninterest income to average assets | 0.6924% | 1,767 |
| Noninterest expense to average assets | 2.1890% | 3,817 |
| Loan and lease loss provision to assets | 0.1398% | 2,617 |
| Net operating income to assets | 1.4834% | 951 |
| Return on assets (ROA) | 1.4834% | 1,035 |
| Pretax return on assets | 1.5613% | 1,317 |
| Return on Equity (ROE) | 13.4150% | 998 |
| Retained earnings to average equity (ytd only) | 2.1847% | 3,684 |
| Net charge-offs to loans | -0.0225% | 4,444 |
| Credit loss provision to net charge-offs | -945.9459% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2496% | 4,152 |
| Assets per employee ($millions) | 8.5216% | 803 |
| Cash dividends to net income (ytd only)* | 83.7147% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 4,658 |
| Loan loss allowance to noncurrent loans | 64.9738% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 1,420 |
| Noncurrent loans to loans | 1.0086% | 1,537 |
| Net loans and leases to total assets | 64.4269% | 2,832 |
| Net loans and leases to deposits | 73.0711% | 3,159 |
| Net loans and leases to core deposits | 75.4776% | 3,332 |
| Total domestic deposits to total assets | 88.1702% | 1,100 |
| Equity capital to assets | 10.1974% | 3,023 |
| Core capital (leverage) ratio | 7.7260% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2325% | 3,133 |
| Memoranda: | ||
| Average total assets | $500,873,000 | 1,495 |
| Average earning assets | $449,930,667 | 1,541 |
| Average equity | $55,385,667 | 1,512 |
| Average total loans | $328,952,000 | 1,559 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,527 |
| Cost of funding earning assets | 0.7325% | 2,770 |
| Net interest margin | 3.6910% | 2,353 |
| Noninterest income to average assets | 0.7041% | 1,637 |
| Noninterest expense to average assets | 2.3071% | 3,757 |
| Loan and lease loss provision to assets | 0.2319% | 1,339 |
| Net operating income to assets | 1.5018% | 781 |
| Return on assets (ROA) | 1.5018% | 853 |
| Pretax return on assets | 1.5811% | 1,109 |
| Return on Equity (ROE) | 12.9913% | 885 |
| Retained earnings to average equity (ytd only) | 0.3866% | 3,905 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9296% | 4,402 |
| Assets per employee ($millions) | 7.5910% | 865 |
| Cash dividends to net income (ytd only)* | 97.0241% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,602 |
| Loan loss allowance to noncurrent loans | 54.0130% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 1,017 |
| Noncurrent loans to loans | 1.2996% | 1,259 |
| Net loans and leases to total assets | 66.2874% | 2,783 |
| Net loans and leases to deposits | 76.3121% | 3,040 |
| Net loans and leases to core deposits | 79.5356% | 3,236 |
| Total domestic deposits to total assets | 86.8634% | 1,617 |
| Equity capital to assets | 11.5522% | 2,395 |
| Core capital (leverage) ratio | 8.5589% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0045% | 2,697 |
| Memoranda: | ||
| Average total assets | $474,357,000 | 1,522 |
| Average earning assets | $439,015,000 | 1,524 |
| Average equity | $54,836,500 | 1,523 |
| Average total loans | $313,819,000 | 1,584 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 4,163 |
| Cost of funding earning assets | 0.8227% | 2,574 |
| Net interest margin | 3.2178% | 4,149 |
| Noninterest income to average assets | 0.6065% | 2,187 |
| Noninterest expense to average assets | 2.0103% | 4,517 |
| Loan and lease loss provision to assets | 0.1101% | 1,893 |
| Net operating income to assets | 1.4027% | 1,333 |
| Return on assets (ROA) | 1.4038% | 1,405 |
| Pretax return on assets | 1.4974% | 1,813 |
| Return on Equity (ROE) | 13.0133% | 1,164 |
| Retained earnings to average equity (ytd only) | -15.6107% | 5,119 |
| Net charge-offs to loans | 0.1271% | 1,503 |
| Credit loss provision to net charge-offs | 138.4615% | 1,858 |
| Earnings coverage of net charge-offs (x) | 20.1974% | 1,950 |
| Efficiency ratio | 53.9329% | 4,428 |
| Assets per employee ($millions) | 7.4680% | 876 |
| Cash dividends to net income (ytd only)* | 219.9593% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6375% | 4,675 |
| Loan loss allowance to noncurrent loans | 56.2518% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 1,217 |
| Noncurrent loans to loans | 1.1333% | 1,336 |
| Net loans and leases to total assets | 65.1297% | 3,051 |
| Net loans and leases to deposits | 74.9182% | 3,269 |
| Net loans and leases to core deposits | 78.1786% | 3,435 |
| Total domestic deposits to total assets | 86.9345% | 1,643 |
| Equity capital to assets | 11.5683% | 2,473 |
| Core capital (leverage) ratio | 10.0388% | 3,474 |
| Tier 1 risk-based capital ratio | 12.1085% | 4,300 |
| Total risk-based capital ratio | 12.7140% | 4,528 |
| Memoranda: | ||
| Average total assets | $490,371,200 | 1,453 |
| Average earning assets | $458,722,600 | 1,434 |
| Average equity | $52,899,600 | 1,517 |
| Average total loans | $306,940,600 | 1,575 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 2,715 |
| Cost of funding earning assets | 1.0631% | 1,493 |
| Net interest margin | 3.5380% | 3,444 |
| Noninterest income to average assets | 0.6982% | 1,797 |
| Noninterest expense to average assets | 1.9493% | 4,647 |
| Loan and lease loss provision to assets | 0.0766% | 2,362 |
| Net operating income to assets | 1.9524% | 437 |
| Return on assets (ROA) | 1.9545% | 451 |
| Pretax return on assets | 2.0575% | 609 |
| Return on Equity (ROE) | 20.0187% | 244 |
| Retained earnings to average equity (ytd only) | -35.6422% | 5,234 |
| Net charge-offs to loans | 0.0012% | 3,414 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 2,500.8127% | 27 |
| Efficiency ratio | 47.7626% | 4,864 |
| Assets per employee ($millions) | 8.7390% | 527 |
| Cash dividends to net income (ytd only)* | 278.0439% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,253 |
| Loan loss allowance to noncurrent loans | 59.7663% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.9443% | 460 |
| Noncurrent loans to loans | 1.4158% | 1,074 |
| Net loans and leases to total assets | 74.3078% | 1,752 |
| Net loans and leases to deposits | 85.6539% | 2,238 |
| Net loans and leases to core deposits | 90.3706% | 2,519 |
| Total domestic deposits to total assets | 86.7535% | 1,648 |
| Equity capital to assets | 8.5793% | 4,965 |
| Core capital (leverage) ratio | 8.0871% | 5,098 |
| Tier 1 risk-based capital ratio | 10.3531% | 5,124 |
| Total risk-based capital ratio | 11.1722% | 5,155 |
| Memoranda: | ||
| Average total assets | $313,191,500 | 2,095 |
| Average earning assets | $299,484,000 | 2,037 |
| Average equity | $30,577,250 | 2,370 |
| Average total loans | $230,931,250 | 1,964 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 2,717 |
| Cost of funding earning assets | 1.0410% | 1,530 |
| Net interest margin | 3.5459% | 3,449 |
| Noninterest income to average assets | 0.6722% | 1,823 |
| Noninterest expense to average assets | 1.9864% | 4,623 |
| Loan and lease loss provision to assets | 0.0767% | 2,281 |
| Net operating income to assets | 1.9028% | 478 |
| Return on assets (ROA) | 1.9059% | 496 |
| Pretax return on assets | 2.0063% | 671 |
| Return on Equity (ROE) | 18.7583% | 335 |
| Retained earnings to average equity (ytd only) | -50.0367% | 5,287 |
| Net charge-offs to loans | 0.0017% | 3,119 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,626.0000% | 38 |
| Efficiency ratio | 48.8518% | 4,850 |
| Assets per employee ($millions) | 8.9423% | 476 |
| Cash dividends to net income (ytd only)* | 366.7450% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 4,357 |
| Loan loss allowance to noncurrent loans | 78.2767% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 1,113 |
| Noncurrent loans to loans | 1.0500% | 1,559 |
| Net loans and leases to total assets | 74.6015% | 1,784 |
| Net loans and leases to deposits | 85.1856% | 2,349 |
| Net loans and leases to core deposits | 89.7206% | 2,618 |
| Total domestic deposits to total assets | 87.5752% | 1,301 |
| Equity capital to assets | 8.6191% | 4,999 |
| Core capital (leverage) ratio | 8.0696% | 5,145 |
| Tier 1 risk-based capital ratio | 10.4401% | 5,124 |
| Total risk-based capital ratio | 11.2346% | 5,173 |
| Memoranda: | ||
| Average total assets | $312,720,330 | 2,100 |
| Average earning assets | $299,335,000 | 2,041 |
| Average equity | $31,772,670 | 2,320 |
| Average total loans | $229,318,000 | 1,983 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 2,881 |
| Cost of funding earning assets | 0.9960% | 1,580 |
| Net interest margin | 3.5002% | 3,592 |
| Noninterest income to average assets | 0.6424% | 1,848 |
| Noninterest expense to average assets | 2.0026% | 4,636 |
| Loan and lease loss provision to assets | 0.0768% | 2,143 |
| Net operating income to assets | 1.8094% | 570 |
| Return on assets (ROA) | 1.8094% | 586 |
| Pretax return on assets | 1.9041% | 791 |
| Return on Equity (ROE) | 16.5520% | 523 |
| Retained earnings to average equity (ytd only) | 8.9667% | 1,336 |
| Net charge-offs to loans | 0.0106% | 2,305 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 313 |
| Efficiency ratio | 50.2730% | 4,805 |
| Assets per employee ($millions) | 9.2850% | 429 |
| Cash dividends to net income (ytd only)* | 45.8274% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 4,471 |
| Loan loss allowance to noncurrent loans | 161.7113% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 1,837 |
| Noncurrent loans to loans | 0.5042% | 2,801 |
| Net loans and leases to total assets | 72.1025% | 2,145 |
| Net loans and leases to deposits | 86.7121% | 2,037 |
| Net loans and leases to core deposits | 91.1607% | 2,383 |
| Total domestic deposits to total assets | 83.1516% | 3,331 |
| Equity capital to assets | 11.0979% | 2,746 |
| Core capital (leverage) ratio | 11.0362% | 2,541 |
| Tier 1 risk-based capital ratio | 14.2452% | 3,220 |
| Total risk-based capital ratio | 15.0261% | 3,365 |
| Memoranda: | ||
| Average total assets | $312,591,000 | 2,111 |
| Average earning assets | $298,383,000 | 2,058 |
| Average equity | $34,171,000 | 2,180 |
| Average total loans | $226,266,000 | 2,017 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,933 |
| Cost of funding earning assets | 0.7449% | 1,820 |
| Net interest margin | 3.6047% | 3,370 |
| Noninterest income to average assets | 0.7261% | 1,748 |
| Noninterest expense to average assets | 2.0098% | 4,735 |
| Loan and lease loss provision to assets | 0.1365% | 1,577 |
| Net operating income to assets | 1.9214% | 419 |
| Return on assets (ROA) | 1.9214% | 416 |
| Pretax return on assets | 2.0345% | 523 |
| Return on Equity (ROE) | 17.9756% | 390 |
| Retained earnings to average equity (ytd only) | 5.9806% | 2,206 |
| Net charge-offs to loans | 0.0519% | 2,412 |
| Credit loss provision to net charge-offs | 364.0351% | 879 |
| Earnings coverage of net charge-offs (x) | 57.9123% | 1,044 |
| Efficiency ratio | 48.0730% | 5,041 |
| Assets per employee ($millions) | 8.5970% | 535 |
| Cash dividends to net income (ytd only)* | 66.7294% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,483 |
| Loan loss allowance to noncurrent loans | 148.5691% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 1,737 |
| Noncurrent loans to loans | 0.5483% | 2,629 |
| Net loans and leases to total assets | 71.4796% | 2,351 |
| Net loans and leases to deposits | 83.2777% | 2,596 |
| Net loans and leases to core deposits | 87.3164% | 2,806 |
| Total domestic deposits to total assets | 85.8329% | 2,314 |
| Equity capital to assets | 10.7619% | 2,919 |
| Core capital (leverage) ratio | 10.8506% | 2,675 |
| Tier 1 risk-based capital ratio | 14.3006% | 3,167 |
| Total risk-based capital ratio | 15.0798% | 3,299 |
| Memoranda: | ||
| Average total assets | $304,108,800 | 2,132 |
| Average earning assets | $291,456,800 | 2,068 |
| Average equity | $32,505,200 | 2,187 |
| Average total loans | $219,488,800 | 2,027 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,926 |
| Cost of funding earning assets | 0.6875% | 1,926 |
| Net interest margin | 3.6226% | 3,295 |
| Noninterest income to average assets | 0.7169% | 1,801 |
| Noninterest expense to average assets | 1.9319% | 4,854 |
| Loan and lease loss provision to assets | 0.1563% | 1,250 |
| Net operating income to assets | 1.9993% | 378 |
| Return on assets (ROA) | 1.9993% | 376 |
| Pretax return on assets | 2.1046% | 477 |
| Return on Equity (ROE) | 18.7377% | 362 |
| Retained earnings to average equity (ytd only) | 6.9255% | 2,166 |
| Net charge-offs to loans | 0.0744% | 1,786 |
| Credit loss provision to net charge-offs | 290.9836% | 1,047 |
| Earnings coverage of net charge-offs (x) | 42.0826% | 1,312 |
| Efficiency ratio | 46.0771% | 5,144 |
| Assets per employee ($millions) | 8.4750% | 535 |
| Cash dividends to net income (ytd only)* | 63.0396% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 4,652 |
| Loan loss allowance to noncurrent loans | 483.1492% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 2,614 |
| Noncurrent loans to loans | 0.1637% | 4,152 |
| Net loans and leases to total assets | 71.9178% | 2,341 |
| Net loans and leases to deposits | 90.6819% | 1,805 |
| Net loans and leases to core deposits | 94.2676% | 2,259 |
| Total domestic deposits to total assets | 79.3078% | 4,253 |
| Equity capital to assets | 10.5945% | 3,051 |
| Core capital (leverage) ratio | 10.7699% | 2,825 |
| Tier 1 risk-based capital ratio | 14.3286% | 3,199 |
| Total risk-based capital ratio | 15.0865% | 3,357 |
| Memoranda: | ||
| Average total assets | $302,763,250 | 2,144 |
| Average earning assets | $290,500,000 | 2,086 |
| Average equity | $32,304,750 | 2,198 |
| Average total loans | $218,601,000 | 2,045 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 3,017 |
| Cost of funding earning assets | 0.6186% | 2,116 |
| Net interest margin | 3.6106% | 3,270 |
| Noninterest income to average assets | 0.7232% | 1,777 |
| Noninterest expense to average assets | 1.9332% | 4,913 |
| Loan and lease loss provision to assets | 0.0993% | 1,955 |
| Net operating income to assets | 2.0465% | 341 |
| Return on assets (ROA) | 2.0465% | 340 |
| Pretax return on assets | 2.1544% | 427 |
| Return on Equity (ROE) | 19.1341% | 324 |
| Retained earnings to average equity (ytd only) | 7.2945% | 1,926 |
| Net charge-offs to loans | 0.0266% | 2,323 |
| Credit loss provision to net charge-offs | 517.2414% | 692 |
| Earnings coverage of net charge-offs (x) | 117.3448% | 622 |
| Efficiency ratio | 46.1721% | 5,202 |
| Assets per employee ($millions) | 9.0378% | 438 |
| Cash dividends to net income (ytd only)* | 61.8770% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 4,846 |
| Loan loss allowance to noncurrent loans | 102.8266% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 1,621 |
| Noncurrent loans to loans | 0.7191% | 2,314 |
| Net loans and leases to total assets | 71.5151% | 2,356 |
| Net loans and leases to deposits | 86.1454% | 2,294 |
| Net loans and leases to core deposits | 89.7406% | 2,594 |
| Total domestic deposits to total assets | 83.0168% | 3,410 |
| Equity capital to assets | 10.5781% | 3,046 |
| Core capital (leverage) ratio | 10.7083% | 2,797 |
| Tier 1 risk-based capital ratio | 13.9704% | 3,371 |
| Total risk-based capital ratio | 14.6729% | 3,580 |
| Memoranda: | ||
| Average total assets | $301,984,000 | 2,160 |
| Average earning assets | $289,700,000 | 2,102 |
| Average equity | $32,298,330 | 2,210 |
| Average total loans | $217,744,330 | 2,056 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 2,906 |
| Cost of funding earning assets | 0.5533% | 2,379 |
| Net interest margin | 3.6401% | 3,029 |
| Noninterest income to average assets | 0.7751% | 1,537 |
| Noninterest expense to average assets | 1.9710% | 4,906 |
| Loan and lease loss provision to assets | 0.0802% | 2,181 |
| Net operating income to assets | 2.1033% | 291 |
| Return on assets (ROA) | 2.1033% | 291 |
| Pretax return on assets | 2.2143% | 368 |
| Return on Equity (ROE) | 19.5558% | 283 |
| Retained earnings to average equity (ytd only) | 7.7528% | 1,937 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2093% | 5,268 |
| Assets per employee ($millions) | 8.5902% | 510 |
| Cash dividends to net income (ytd only)* | 60.3558% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 4,974 |
| Loan loss allowance to noncurrent loans | 88.5393% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 1,554 |
| Noncurrent loans to loans | 0.8185% | 2,180 |
| Net loans and leases to total assets | 71.8041% | 2,198 |
| Net loans and leases to deposits | 86.3187% | 2,120 |
| Net loans and leases to core deposits | 90.1346% | 2,441 |
| Total domestic deposits to total assets | 83.1848% | 3,605 |
| Equity capital to assets | 10.6593% | 2,912 |
| Core capital (leverage) ratio | 10.8880% | 2,549 |
| Tier 1 risk-based capital ratio | 14.0517% | 3,355 |
| Total risk-based capital ratio | 14.7342% | 3,577 |
| Memoranda: | ||
| Average total assets | $299,333,000 | 2,198 |
| Average earning assets | $287,025,500 | 2,139 |
| Average equity | $32,195,000 | 2,226 |
| Average total loans | $215,920,000 | 2,075 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,795 |
| Cost of funding earning assets | 0.5462% | 1,984 |
| Net interest margin | 3.6274% | 3,077 |
| Noninterest income to average assets | 0.6665% | 2,110 |
| Noninterest expense to average assets | 2.0043% | 4,951 |
| Loan and lease loss provision to assets | 0.0466% | 3,300 |
| Net operating income to assets | 2.0012% | 285 |
| Return on assets (ROA) | 2.0923% | 244 |
| Pretax return on assets | 2.1986% | 317 |
| Return on Equity (ROE) | 18.7628% | 255 |
| Retained earnings to average equity (ytd only) | 4.0279% | 2,773 |
| Net charge-offs to loans | 0.0824% | 2,277 |
| Credit loss provision to net charge-offs | 78.4884% | 2,964 |
| Earnings coverage of net charge-offs (x) | 36.2209% | 1,349 |
| Efficiency ratio | 48.2558% | 5,303 |
| Assets per employee ($millions) | 8.5145% | 530 |
| Cash dividends to net income (ytd only)* | 78.5326% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 5,054 |
| Loan loss allowance to noncurrent loans | 195.3608% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 2,268 |
| Noncurrent loans to loans | 0.3620% | 3,472 |
| Net loans and leases to total assets | 71.4287% | 2,313 |
| Net loans and leases to deposits | 85.4049% | 2,334 |
| Net loans and leases to core deposits | 90.2639% | 2,541 |
| Total domestic deposits to total assets | 83.6354% | 3,340 |
| Equity capital to assets | 10.8527% | 2,778 |
| Core capital (leverage) ratio | 10.8723% | 2,454 |
| Tier 1 risk-based capital ratio | 13.8756% | 3,434 |
| Total risk-based capital ratio | 14.5366% | 3,665 |
| Memoranda: | ||
| Average total assets | $289,870,200 | 2,219 |
| Average earning assets | $278,656,600 | 2,167 |
| Average equity | $32,324,600 | 2,204 |
| Average total loans | $208,823,800 | 2,087 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,703 |
| Cost of funding earning assets | 0.5588% | 1,820 |
| Net interest margin | 3.6146% | 3,091 |
| Noninterest income to average assets | 0.6758% | 2,104 |
| Noninterest expense to average assets | 1.9233% | 5,105 |
| Loan and lease loss provision to assets | 0.0486% | 3,123 |
| Net operating income to assets | 2.0737% | 275 |
| Return on assets (ROA) | 2.1943% | 222 |
| Pretax return on assets | 2.3096% | 293 |
| Return on Equity (ROE) | 19.5414% | 242 |
| Retained earnings to average equity (ytd only) | 7.7803% | 1,310 |
| Net charge-offs to loans | -0.0006% | 4,255 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2928% | 5,409 |
| Assets per employee ($millions) | 8.2224% | 584 |
| Cash dividends to net income (ytd only)* | 60.1858% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,882 |
| Loan loss allowance to noncurrent loans | 82.8671% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 2,421 |
| Noncurrent loans to loans | 0.9698% | 1,986 |
| Net loans and leases to total assets | 71.1592% | 2,382 |
| Net loans and leases to deposits | 86.4323% | 2,248 |
| Net loans and leases to core deposits | 93.2838% | 2,322 |
| Total domestic deposits to total assets | 82.3294% | 3,678 |
| Equity capital to assets | 11.6706% | 2,212 |
| Core capital (leverage) ratio | 11.0427% | 2,415 |
| Tier 1 risk-based capital ratio | 14.7684% | 3,026 |
| Total risk-based capital ratio | 15.5244% | 3,215 |
| Memoranda: | ||
| Average total assets | $287,835,500 | 2,248 |
| Average earning assets | $277,017,500 | 2,188 |
| Average equity | $32,320,250 | 2,222 |
| Average total loans | $207,434,750 | 2,108 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,720 |
| Cost of funding earning assets | 0.5483% | 1,789 |
| Net interest margin | 3.5867% | 3,086 |
| Noninterest income to average assets | 0.6399% | 2,255 |
| Noninterest expense to average assets | 1.9128% | 5,167 |
| Loan and lease loss provision to assets | 0.0521% | 2,943 |
| Net operating income to assets | 2.0185% | 300 |
| Return on assets (ROA) | 2.1657% | 230 |
| Pretax return on assets | 2.2796% | 310 |
| Return on Equity (ROE) | 19.5433% | 237 |
| Retained earnings to average equity (ytd only) | 7.6242% | 1,305 |
| Net charge-offs to loans | -0.0010% | 4,136 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7720% | 5,445 |
| Assets per employee ($millions) | 8.3387% | 539 |
| Cash dividends to net income (ytd only)* | 60.9881% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,988 |
| Loan loss allowance to noncurrent loans | 327.1084% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 4,504 |
| Noncurrent loans to loans | 0.2396% | 4,170 |
| Net loans and leases to total assets | 70.6444% | 2,420 |
| Net loans and leases to deposits | 85.5551% | 2,282 |
| Net loans and leases to core deposits | 91.8388% | 2,350 |
| Total domestic deposits to total assets | 82.5719% | 3,695 |
| Equity capital to assets | 11.3666% | 2,443 |
| Core capital (leverage) ratio | 10.8823% | 2,526 |
| Tier 1 risk-based capital ratio | 14.3473% | 3,240 |
| Total risk-based capital ratio | 15.0837% | 3,437 |
| Memoranda: | ||
| Average total assets | $287,853,000 | 2,252 |
| Average earning assets | $276,859,670 | 2,189 |
| Average equity | $31,898,330 | 2,234 |
| Average total loans | $207,765,330 | 2,105 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 2,568 |
| Cost of funding earning assets | 0.5313% | 1,853 |
| Net interest margin | 3.5935% | 2,907 |
| Noninterest income to average assets | 0.6983% | 1,981 |
| Noninterest expense to average assets | 1.9213% | 5,202 |
| Loan and lease loss provision to assets | 0.0630% | 2,545 |
| Net operating income to assets | 2.0514% | 281 |
| Return on assets (ROA) | 2.0514% | 289 |
| Pretax return on assets | 2.1592% | 379 |
| Return on Equity (ROE) | 18.7585% | 297 |
| Retained earnings to average equity (ytd only) | 6.6026% | 2,026 |
| Net charge-offs to loans | -0.0019% | 4,007 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3695% | 5,518 |
| Assets per employee ($millions) | 8.3309% | 536 |
| Cash dividends to net income (ytd only)* | 64.8022% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 5,089 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,649 |
| Noncurrent loans to loans | 0.2126% | 4,348 |
| Net loans and leases to total assets | 70.6713% | 2,266 |
| Net loans and leases to deposits | 84.1873% | 2,263 |
| Net loans and leases to core deposits | 88.3164% | 2,519 |
| Total domestic deposits to total assets | 83.9454% | 3,496 |
| Equity capital to assets | 11.2052% | 2,428 |
| Core capital (leverage) ratio | 10.7938% | 2,603 |
| Tier 1 risk-based capital ratio | 14.4662% | 3,224 |
| Total risk-based capital ratio | 15.2114% | 3,415 |
| Memoranda: | ||
| Average total assets | $285,851,500 | 2,285 |
| Average earning assets | $274,054,000 | 2,222 |
| Average equity | $31,260,500 | 2,276 |
| Average total loans | $207,743,500 | 2,116 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 2,899 |
| Cost of funding earning assets | 0.4891% | 2,168 |
| Net interest margin | 3.6003% | 3,063 |
| Noninterest income to average assets | 0.6494% | 2,419 |
| Noninterest expense to average assets | 1.9170% | 5,338 |
| Loan and lease loss provision to assets | 0.0528% | 3,332 |
| Net operating income to assets | 2.0358% | 294 |
| Return on assets (ROA) | 2.0719% | 287 |
| Pretax return on assets | 2.1811% | 340 |
| Return on Equity (ROE) | 18.2237% | 315 |
| Retained earnings to average equity (ytd only) | 3.4353% | 3,484 |
| Net charge-offs to loans | 0.0015% | 4,228 |
| Credit loss provision to net charge-offs | 5,000.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 2,078.3333% | 23 |
| Efficiency ratio | 46.6090% | 5,623 |
| Assets per employee ($millions) | 8.4839% | 503 |
| Cash dividends to net income (ytd only)* | 81.1491% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 5,301 |
| Loan loss allowance to noncurrent loans | 2,930.1887% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,320 |
| Noncurrent loans to loans | 0.0248% | 5,167 |
| Net loans and leases to total assets | 73.5504% | 1,920 |
| Net loans and leases to deposits | 89.7184% | 1,715 |
| Net loans and leases to core deposits | 92.1793% | 2,283 |
| Total domestic deposits to total assets | 81.9793% | 4,082 |
| Equity capital to assets | 10.6715% | 2,956 |
| Core capital (leverage) ratio | 10.7628% | 2,575 |
| Tier 1 risk-based capital ratio | 13.6134% | 3,697 |
| Total risk-based capital ratio | 14.3061% | 3,946 |
| Memoranda: | ||
| Average total assets | $283,937,200 | 2,257 |
| Average earning assets | $273,140,600 | 2,189 |
| Average equity | $32,282,200 | 2,212 |
| Average total loans | $200,339,000 | 2,121 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 2,890 |
| Cost of funding earning assets | 0.4935% | 2,143 |
| Net interest margin | 3.6026% | 3,065 |
| Noninterest income to average assets | 0.6638% | 2,348 |
| Noninterest expense to average assets | 1.8212% | 5,492 |
| Loan and lease loss provision to assets | 0.0495% | 3,252 |
| Net operating income to assets | 2.1425% | 273 |
| Return on assets (ROA) | 2.1908% | 263 |
| Pretax return on assets | 2.3063% | 314 |
| Return on Equity (ROE) | 18.9724% | 296 |
| Retained earnings to average equity (ytd only) | 7.2876% | 1,483 |
| Net charge-offs to loans | 0.0020% | 3,864 |
| Credit loss provision to net charge-offs | 3,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 1,629.6250% | 37 |
| Efficiency ratio | 44.1385% | 5,741 |
| Assets per employee ($millions) | 8.3262% | 514 |
| Cash dividends to net income (ytd only)* | 61.5880% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 5,324 |
| Loan loss allowance to noncurrent loans | 584.4961% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,077 |
| Noncurrent loans to loans | 0.1275% | 4,830 |
| Net loans and leases to total assets | 70.9502% | 2,351 |
| Net loans and leases to deposits | 86.9189% | 2,151 |
| Net loans and leases to core deposits | 89.5694% | 2,613 |
| Total domestic deposits to total assets | 81.6281% | 4,068 |
| Equity capital to assets | 11.9167% | 2,175 |
| Core capital (leverage) ratio | 11.0153% | 2,435 |
| Tier 1 risk-based capital ratio | 14.5581% | 3,264 |
| Total risk-based capital ratio | 15.2618% | 3,476 |
| Memoranda: | ||
| Average total assets | $282,808,750 | 2,275 |
| Average earning assets | $271,797,750 | 2,204 |
| Average equity | $32,657,250 | 2,208 |
| Average total loans | $196,996,250 | 2,148 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,971 |
| Cost of funding earning assets | 0.4946% | 2,147 |
| Net interest margin | 3.5810% | 3,171 |
| Noninterest income to average assets | 0.6607% | 2,326 |
| Noninterest expense to average assets | 1.8450% | 5,540 |
| Loan and lease loss provision to assets | 0.0424% | 3,299 |
| Net operating income to assets | 2.1098% | 272 |
| Return on assets (ROA) | 2.1683% | 255 |
| Pretax return on assets | 2.2822% | 318 |
| Return on Equity (ROE) | 18.9795% | 299 |
| Retained earnings to average equity (ytd only) | 7.1398% | 1,532 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9113% | 5,795 |
| Assets per employee ($millions) | 8.2927% | 507 |
| Cash dividends to net income (ytd only)* | 62.3817% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 5,446 |
| Loan loss allowance to noncurrent loans | 544.9814% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,134 |
| Noncurrent loans to loans | 0.1347% | 4,902 |
| Net loans and leases to total assets | 70.2948% | 2,433 |
| Net loans and leases to deposits | 84.1529% | 2,447 |
| Net loans and leases to core deposits | 86.4048% | 2,860 |
| Total domestic deposits to total assets | 83.5322% | 3,450 |
| Equity capital to assets | 11.8223% | 2,252 |
| Core capital (leverage) ratio | 10.6653% | 2,775 |
| Tier 1 risk-based capital ratio | 14.4402% | 3,353 |
| Total risk-based capital ratio | 15.1328% | 3,590 |
| Memoranda: | ||
| Average total assets | $282,715,000 | 2,285 |
| Average earning assets | $272,159,330 | 2,221 |
| Average equity | $32,298,000 | 2,230 |
| Average total loans | $195,208,000 | 2,166 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,960 |
| Cost of funding earning assets | 0.4984% | 2,126 |
| Net interest margin | 3.5737% | 3,189 |
| Noninterest income to average assets | 0.6810% | 2,132 |
| Noninterest expense to average assets | 1.8283% | 5,614 |
| Loan and lease loss provision to assets | 0.0424% | 3,074 |
| Net operating income to assets | 2.1335% | 260 |
| Return on assets (ROA) | 2.1335% | 273 |
| Pretax return on assets | 2.2452% | 346 |
| Return on Equity (ROE) | 19.0054% | 295 |
| Retained earnings to average equity (ytd only) | 7.0483% | 1,861 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4216% | 5,861 |
| Assets per employee ($millions) | 8.8830% | 405 |
| Cash dividends to net income (ytd only)* | 62.9139% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 5,511 |
| Loan loss allowance to noncurrent loans | 503.8596% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,174 |
| Noncurrent loans to loans | 0.1472% | 4,885 |
| Net loans and leases to total assets | 67.5926% | 2,714 |
| Net loans and leases to deposits | 82.3822% | 2,499 |
| Net loans and leases to core deposits | 84.6012% | 2,882 |
| Total domestic deposits to total assets | 82.0475% | 4,207 |
| Equity capital to assets | 11.3236% | 2,601 |
| Core capital (leverage) ratio | 10.5669% | 2,889 |
| Tier 1 risk-based capital ratio | 14.4676% | 3,409 |
| Total risk-based capital ratio | 15.1608% | 3,679 |
| Memoranda: | ||
| Average total assets | $283,097,000 | 2,290 |
| Average earning assets | $272,096,000 | 2,227 |
| Average equity | $31,780,500 | 2,258 |
| Average total loans | $192,980,500 | 2,181 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 2,880 |
| Cost of funding earning assets | 0.5201% | 1,992 |
| Net interest margin | 3.5890% | 3,180 |
| Noninterest income to average assets | 0.5055% | 3,289 |
| Noninterest expense to average assets | 1.8651% | 5,658 |
| Loan and lease loss provision to assets | 0.0430% | 3,472 |
| Net operating income to assets | 1.9462% | 379 |
| Return on assets (ROA) | 2.0711% | 317 |
| Pretax return on assets | 2.1804% | 359 |
| Return on Equity (ROE) | 18.4522% | 353 |
| Retained earnings to average equity (ytd only) | 3.2493% | 3,740 |
| Net charge-offs to loans | 0.0021% | 4,403 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,459.7500% | 28 |
| Efficiency ratio | 47.1344% | 5,875 |
| Assets per employee ($millions) | 8.8106% | 409 |
| Cash dividends to net income (ytd only)* | 82.3906% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 5,579 |
| Loan loss allowance to noncurrent loans | 1,714.6341% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,576 |
| Noncurrent loans to loans | 0.0426% | 5,345 |
| Net loans and leases to total assets | 67.7394% | 2,742 |
| Net loans and leases to deposits | 81.9564% | 2,590 |
| Net loans and leases to core deposits | 85.3098% | 2,846 |
| Total domestic deposits to total assets | 82.6529% | 3,960 |
| Equity capital to assets | 11.1276% | 2,705 |
| Core capital (leverage) ratio | 10.4484% | 2,988 |
| Tier 1 risk-based capital ratio | 14.2461% | 3,584 |
| Total risk-based capital ratio | 14.9271% | 3,832 |
| Memoranda: | ||
| Average total assets | $279,124,000 | 2,279 |
| Average earning assets | $268,429,000 | 2,215 |
| Average equity | $31,329,600 | 2,232 |
| Average total loans | $188,460,200 | 2,168 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 2,875 |
| Cost of funding earning assets | 0.5247% | 2,000 |
| Net interest margin | 3.5915% | 3,196 |
| Noninterest income to average assets | 0.5430% | 3,091 |
| Noninterest expense to average assets | 1.7743% | 5,816 |
| Loan and lease loss provision to assets | 0.0431% | 3,357 |
| Net operating income to assets | 2.0713% | 320 |
| Return on assets (ROA) | 2.2378% | 253 |
| Pretax return on assets | 2.3556% | 313 |
| Return on Equity (ROE) | 19.8939% | 276 |
| Retained earnings to average equity (ytd only) | 7.7566% | 1,355 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3819% | 6,027 |
| Assets per employee ($millions) | 8.2584% | 481 |
| Cash dividends to net income (ytd only)* | 61.0101% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 5,672 |
| Loan loss allowance to noncurrent loans | 1,393.9394% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 5,646 |
| Noncurrent loans to loans | 0.0521% | 5,410 |
| Net loans and leases to total assets | 67.2376% | 2,813 |
| Net loans and leases to deposits | 87.1210% | 2,012 |
| Net loans and leases to core deposits | 90.9342% | 2,362 |
| Total domestic deposits to total assets | 77.1772% | 5,316 |
| Equity capital to assets | 11.3852% | 2,599 |
| Core capital (leverage) ratio | 10.7687% | 2,748 |
| Tier 1 risk-based capital ratio | 14.7322% | 3,423 |
| Total risk-based capital ratio | 15.4050% | 3,690 |
| Memoranda: | ||
| Average total assets | $278,420,500 | 2,299 |
| Average earning assets | $267,809,750 | 2,224 |
| Average equity | $31,318,750 | 2,251 |
| Average total loans | $187,478,000 | 2,196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 2,964 |
| Cost of funding earning assets | 0.5261% | 2,017 |
| Net interest margin | 3.5567% | 3,259 |
| Noninterest income to average assets | 0.5316% | 3,158 |
| Noninterest expense to average assets | 1.7692% | 5,892 |
| Loan and lease loss provision to assets | 0.0432% | 3,243 |
| Net operating income to assets | 2.0401% | 346 |
| Return on assets (ROA) | 2.0941% | 323 |
| Pretax return on assets | 2.2044% | 411 |
| Return on Equity (ROE) | 18.6931% | 360 |
| Retained earnings to average equity (ytd only) | 6.4690% | 1,966 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6789% | 6,088 |
| Assets per employee ($millions) | 8.5233% | 435 |
| Cash dividends to net income (ytd only)* | 65.3939% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 5,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.3481% | 2,741 |
| Net loans and leases to deposits | 82.8896% | 2,449 |
| Net loans and leases to core deposits | 86.3916% | 2,726 |
| Total domestic deposits to total assets | 81.2504% | 4,532 |
| Equity capital to assets | 10.9802% | 2,902 |
| Core capital (leverage) ratio | 10.5441% | 2,897 |
| Tier 1 risk-based capital ratio | 14.3254% | 3,745 |
| Total risk-based capital ratio | 14.9832% | 4,016 |
| Memoranda: | ||
| Average total assets | $277,632,330 | 2,323 |
| Average earning assets | $267,608,330 | 2,254 |
| Average equity | $31,102,330 | 2,276 |
| Average total loans | $186,579,670 | 2,212 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,088 |
| Cost of funding earning assets | 0.5307% | 2,012 |
| Net interest margin | 3.5081% | 3,405 |
| Noninterest income to average assets | 0.5787% | 2,781 |
| Noninterest expense to average assets | 1.7577% | 5,951 |
| Loan and lease loss provision to assets | 0.0435% | 3,045 |
| Net operating income to assets | 2.0622% | 302 |
| Return on assets (ROA) | 2.1710% | 261 |
| Pretax return on assets | 2.2856% | 334 |
| Return on Equity (ROE) | 19.1852% | 313 |
| Retained earnings to average equity (ytd only) | 7.0102% | 2,010 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2497% | 6,170 |
| Assets per employee ($millions) | 8.1993% | 501 |
| Cash dividends to net income (ytd only)* | 63.4603% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 5,879 |
| Loan loss allowance to noncurrent loans | 132,000.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,984 |
| Noncurrent loans to loans | 0.0005% | 5,828 |
| Net loans and leases to total assets | 67.8451% | 2,466 |
| Net loans and leases to deposits | 82.2903% | 2,303 |
| Net loans and leases to core deposits | 86.6446% | 2,476 |
| Total domestic deposits to total assets | 82.4461% | 4,369 |
| Equity capital to assets | 11.7478% | 2,242 |
| Core capital (leverage) ratio | 10.5919% | 2,856 |
| Tier 1 risk-based capital ratio | 15.0323% | 3,413 |
| Total risk-based capital ratio | 15.7180% | 3,663 |
| Memoranda: | ||
| Average total assets | $275,813,500 | 2,344 |
| Average earning assets | $266,809,000 | 2,271 |
| Average equity | $31,211,500 | 2,280 |
| Average total loans | $184,479,500 | 2,235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 3,318 |
| Cost of funding earning assets | 0.5656% | 2,086 |
| Net interest margin | 3.5373% | 3,655 |
| Noninterest income to average assets | 0.5261% | 3,317 |
| Noninterest expense to average assets | 1.7854% | 6,086 |
| Loan and lease loss provision to assets | 0.0440% | 3,689 |
| Net operating income to assets | 2.0145% | 317 |
| Return on assets (ROA) | 2.0270% | 321 |
| Pretax return on assets | 2.1355% | 378 |
| Return on Equity (ROE) | 19.2248% | 299 |
| Retained earnings to average equity (ytd only) | 6.7177% | 1,539 |
| Net charge-offs to loans | -0.0006% | 5,326 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1804% | 6,295 |
| Assets per employee ($millions) | 8.5166% | 431 |
| Cash dividends to net income (ytd only)* | 65.0570% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 5,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.0331% | 3,041 |
| Net loans and leases to deposits | 79.2623% | 2,809 |
| Net loans and leases to core deposits | 83.3155% | 2,972 |
| Total domestic deposits to total assets | 82.0480% | 4,406 |
| Equity capital to assets | 10.9006% | 3,011 |
| Core capital (leverage) ratio | 10.2350% | 3,266 |
| Tier 1 risk-based capital ratio | 14.9715% | 3,498 |
| Total risk-based capital ratio | 15.6517% | 3,771 |
| Memoranda: | ||
| Average total assets | $272,767,200 | 2,340 |
| Average earning assets | $264,155,400 | 2,241 |
| Average equity | $28,759,800 | 2,361 |
| Average total loans | $174,380,800 | 2,287 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 3,402 |
| Cost of funding earning assets | 0.5710% | 2,096 |
| Net interest margin | 3.5232% | 3,742 |
| Noninterest income to average assets | 0.5310% | 3,316 |
| Noninterest expense to average assets | 1.6953% | 6,212 |
| Loan and lease loss provision to assets | 0.0443% | 3,509 |
| Net operating income to assets | 2.0967% | 285 |
| Return on assets (ROA) | 2.1135% | 286 |
| Pretax return on assets | 2.2248% | 349 |
| Return on Equity (ROE) | 20.2228% | 271 |
| Retained earnings to average equity (ytd only) | 7.7998% | 1,450 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9552% | 6,395 |
| Assets per employee ($millions) | 8.5723% | 404 |
| Cash dividends to net income (ytd only)* | 61.4309% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 6,091 |
| Loan loss allowance to noncurrent loans | 1,748.6111% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 6,064 |
| Noncurrent loans to loans | 0.0404% | 5,854 |
| Net loans and leases to total assets | 64.4839% | 3,115 |
| Net loans and leases to deposits | 79.4113% | 2,778 |
| Net loans and leases to core deposits | 83.6159% | 2,929 |
| Total domestic deposits to total assets | 81.2024% | 4,768 |
| Equity capital to assets | 10.9507% | 3,004 |
| Core capital (leverage) ratio | 10.2522% | 3,335 |
| Tier 1 risk-based capital ratio | 15.2031% | 3,470 |
| Total risk-based capital ratio | 15.8838% | 3,741 |
| Memoranda: | ||
| Average total assets | $270,696,750 | 2,369 |
| Average earning assets | $262,443,000 | 2,271 |
| Average equity | $28,290,750 | 2,401 |
| Average total loans | $171,959,750 | 2,322 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 3,347 |
| Cost of funding earning assets | 0.5735% | 2,132 |
| Net interest margin | 3.5253% | 3,681 |
| Noninterest income to average assets | 0.5410% | 3,200 |
| Noninterest expense to average assets | 1.6928% | 6,276 |
| Loan and lease loss provision to assets | 0.0445% | 3,428 |
| Net operating income to assets | 2.1094% | 271 |
| Return on assets (ROA) | 2.1144% | 284 |
| Pretax return on assets | 2.2257% | 344 |
| Return on Equity (ROE) | 20.5645% | 263 |
| Retained earnings to average equity (ytd only) | 8.4019% | 1,174 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7714% | 6,459 |
| Assets per employee ($millions) | 8.7316% | 365 |
| Cash dividends to net income (ytd only)* | 59.1436% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 6,170 |
| Loan loss allowance to noncurrent loans | 803.2680% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 5,797 |
| Noncurrent loans to loans | 0.0875% | 5,756 |
| Net loans and leases to total assets | 62.1485% | 3,374 |
| Net loans and leases to deposits | 73.9971% | 3,316 |
| Net loans and leases to core deposits | 77.7089% | 3,474 |
| Total domestic deposits to total assets | 83.9877% | 3,922 |
| Equity capital to assets | 10.4706% | 3,475 |
| Core capital (leverage) ratio | 10.1149% | 3,452 |
| Tier 1 risk-based capital ratio | 15.0707% | 3,595 |
| Total risk-based capital ratio | 15.7412% | 3,877 |
| Memoranda: | ||
| Average total assets | $269,491,670 | 2,377 |
| Average earning assets | $261,195,000 | 2,280 |
| Average equity | $27,708,000 | 2,429 |
| Average total loans | $169,897,670 | 2,335 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 3,249 |
| Cost of funding earning assets | 0.5972% | 1,994 |
| Net interest margin | 3.5097% | 3,649 |
| Noninterest income to average assets | 0.5822% | 2,846 |
| Noninterest expense to average assets | 1.6663% | 6,378 |
| Loan and lease loss provision to assets | 0.0454% | 3,194 |
| Net operating income to assets | 2.1608% | 258 |
| Return on assets (ROA) | 2.1608% | 269 |
| Pretax return on assets | 2.2742% | 319 |
| Return on Equity (ROE) | 21.2222% | 231 |
| Retained earnings to average equity (ytd only) | 10.3067% | 894 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8058% | 6,557 |
| Assets per employee ($millions) | 8.6107% | 387 |
| Cash dividends to net income (ytd only)* | 51.4346% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 6,270 |
| Loan loss allowance to noncurrent loans | 754.0881% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 5,866 |
| Noncurrent loans to loans | 0.0937% | 5,844 |
| Net loans and leases to total assets | 63.1438% | 3,044 |
| Net loans and leases to deposits | 75.4035% | 2,884 |
| Net loans and leases to core deposits | 79.3779% | 3,048 |
| Total domestic deposits to total assets | 83.7412% | 4,371 |
| Equity capital to assets | 10.3903% | 3,352 |
| Core capital (leverage) ratio | 10.2410% | 3,230 |
| Tier 1 risk-based capital ratio | 15.2956% | 3,552 |
| Total risk-based capital ratio | 15.9710% | 3,828 |
| Memoranda: | ||
| Average total assets | $264,532,500 | 2,418 |
| Average earning assets | $256,545,000 | 2,310 |
| Average equity | $26,934,000 | 2,475 |
| Average total loans | $167,407,500 | 2,370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 3,209 |
| Cost of funding earning assets | 0.6557% | 2,164 |
| Net interest margin | 3.5813% | 3,543 |
| Noninterest income to average assets | 0.3750% | 4,632 |
| Noninterest expense to average assets | 1.7039% | 6,441 |
| Loan and lease loss provision to assets | 0.0574% | 3,995 |
| Net operating income to assets | 1.9757% | 357 |
| Return on assets (ROA) | 2.0884% | 296 |
| Pretax return on assets | 2.1994% | 314 |
| Return on Equity (ROE) | 19.7907% | 293 |
| Retained earnings to average equity (ytd only) | 5.9285% | 2,012 |
| Net charge-offs to loans | 0.0179% | 5,088 |
| Credit loss provision to net charge-offs | 517.2414% | 453 |
| Earnings coverage of net charge-offs (x) | 192.6897% | 231 |
| Efficiency ratio | 44.3482% | 6,606 |
| Assets per employee ($millions) | 8.1917% | 431 |
| Cash dividends to net income (ytd only)* | 70.0440% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 6,335 |
| Loan loss allowance to noncurrent loans | 853.2847% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 5,964 |
| Noncurrent loans to loans | 0.0830% | 5,966 |
| Net loans and leases to total assets | 62.5240% | 3,296 |
| Net loans and leases to deposits | 73.6896% | 3,310 |
| Net loans and leases to core deposits | 77.5755% | 3,417 |
| Total domestic deposits to total assets | 84.8478% | 3,829 |
| Equity capital to assets | 9.9694% | 3,815 |
| Core capital (leverage) ratio | 10.1553% | 3,355 |
| Tier 1 risk-based capital ratio | 15.2440% | 3,523 |
| Total risk-based capital ratio | 15.9174% | 3,798 |
| Memoranda: | ||
| Average total assets | $261,344,000 | 2,425 |
| Average earning assets | $253,006,200 | 2,305 |
| Average equity | $27,578,600 | 2,416 |
| Average total loans | $162,419,200 | 2,384 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 3,171 |
| Cost of funding earning assets | 0.6632% | 2,232 |
| Net interest margin | 3.5930% | 3,475 |
| Noninterest income to average assets | 0.3599% | 4,819 |
| Noninterest expense to average assets | 1.6542% | 6,516 |
| Loan and lease loss provision to assets | 0.0613% | 3,819 |
| Net operating income to assets | 2.0154% | 357 |
| Return on assets (ROA) | 2.1658% | 284 |
| Pretax return on assets | 2.2796% | 334 |
| Return on Equity (ROE) | 20.2429% | 287 |
| Retained earnings to average equity (ytd only) | 6.5329% | 2,117 |
| Net charge-offs to loans | 0.0247% | 4,634 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 142.4965% | 388 |
| Efficiency ratio | 43.1138% | 6,680 |
| Assets per employee ($millions) | 8.3228% | 405 |
| Cash dividends to net income (ytd only)* | 67.7275% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 6,433 |
| Loan loss allowance to noncurrent loans | 3,556.2500% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 6,192 |
| Noncurrent loans to loans | 0.0198% | 6,294 |
| Net loans and leases to total assets | 62.3303% | 3,302 |
| Net loans and leases to deposits | 77.3184% | 2,771 |
| Net loans and leases to core deposits | 81.5832% | 2,927 |
| Total domestic deposits to total assets | 80.6152% | 5,334 |
| Equity capital to assets | 10.1633% | 3,684 |
| Core capital (leverage) ratio | 10.0553% | 3,593 |
| Tier 1 risk-based capital ratio | 15.3328% | 3,546 |
| Total risk-based capital ratio | 15.9989% | 3,878 |
| Memoranda: | ||
| Average total assets | $261,146,750 | 2,446 |
| Average earning assets | $252,709,500 | 2,313 |
| Average equity | $27,940,000 | 2,412 |
| Average total loans | $161,757,750 | 2,412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 3,385 |
| Cost of funding earning assets | 0.6670% | 2,339 |
| Net interest margin | 3.5296% | 3,660 |
| Noninterest income to average assets | 0.3509% | 4,881 |
| Noninterest expense to average assets | 1.6881% | 6,506 |
| Loan and lease loss provision to assets | 0.0687% | 3,669 |
| Net operating income to assets | 1.9127% | 415 |
| Return on assets (ROA) | 2.1374% | 305 |
| Pretax return on assets | 2.2495% | 385 |
| Return on Equity (ROE) | 19.6544% | 333 |
| Retained earnings to average equity (ytd only) | 6.2428% | 2,298 |
| Net charge-offs to loans | 0.0148% | 4,547 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 227.4167% | 230 |
| Efficiency ratio | 44.7794% | 6,686 |
| Assets per employee ($millions) | 8.4415% | 391 |
| Cash dividends to net income (ytd only)* | 68.2370% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 6,532 |
| Loan loss allowance to noncurrent loans | 112,600.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,296 |
| Noncurrent loans to loans | 0.0006% | 6,467 |
| Net loans and leases to total assets | 63.5428% | 2,997 |
| Net loans and leases to deposits | 78.7686% | 2,486 |
| Net loans and leases to core deposits | 82.9010% | 2,707 |
| Total domestic deposits to total assets | 80.6703% | 5,430 |
| Equity capital to assets | 10.1034% | 3,783 |
| Core capital (leverage) ratio | 9.8826% | 3,669 |
| Tier 1 risk-based capital ratio | 14.5464% | 4,070 |
| Total risk-based capital ratio | 15.1833% | 4,428 |
| Memoranda: | ||
| Average total assets | $262,193,670 | 2,438 |
| Average earning assets | $253,967,670 | 2,316 |
| Average equity | $28,512,670 | 2,386 |
| Average total loans | $161,692,330 | 2,416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 3,500 |
| Cost of funding earning assets | 0.6888% | 2,314 |
| Net interest margin | 3.4644% | 3,839 |
| Noninterest income to average assets | 0.3886% | 4,547 |
| Noninterest expense to average assets | 1.5348% | 6,712 |
| Loan and lease loss provision to assets | 0.0914% | 3,132 |
| Net operating income to assets | 2.0141% | 333 |
| Return on assets (ROA) | 2.4630% | 177 |
| Pretax return on assets | 2.5925% | 234 |
| Return on Equity (ROE) | 21.8752% | 205 |
| Retained earnings to average equity (ytd only) | 9.0154% | 1,380 |
| Net charge-offs to loans | -0.0025% | 5,176 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9683% | 6,852 |
| Assets per employee ($millions) | 8.7224% | 354 |
| Cash dividends to net income (ytd only)* | 58.7871% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 6,597 |
| Loan loss allowance to noncurrent loans | 13,862.5000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 6,386 |
| Noncurrent loans to loans | 0.0051% | 6,498 |
| Net loans and leases to total assets | 59.7946% | 3,467 |
| Net loans and leases to deposits | 73.0404% | 3,043 |
| Net loans and leases to core deposits | 78.9577% | 2,939 |
| Total domestic deposits to total assets | 81.8650% | 5,245 |
| Equity capital to assets | 11.2038% | 2,733 |
| Core capital (leverage) ratio | 9.9085% | 3,518 |
| Tier 1 risk-based capital ratio | 15.1047% | 3,763 |
| Total risk-based capital ratio | 15.7618% | 4,133 |
| Memoranda: | ||
| Average total assets | $262,448,000 | 2,470 |
| Average earning assets | $254,362,000 | 2,334 |
| Average equity | $29,549,500 | 2,333 |
| Average total loans | $158,834,500 | 2,464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 3,639 |
| Cost of funding earning assets | 0.8515% | 2,280 |
| Net interest margin | 3.5917% | 4,125 |
| Noninterest income to average assets | 0.4989% | 3,910 |
| Noninterest expense to average assets | 1.6273% | 6,782 |
| Loan and lease loss provision to assets | 0.0565% | 5,078 |
| Net operating income to assets | 2.1652% | 272 |
| Return on assets (ROA) | 2.3387% | 212 |
| Pretax return on assets | 2.4630% | 267 |
| Return on Equity (ROE) | 20.2350% | 295 |
| Retained earnings to average equity (ytd only) | 6.9334% | 1,602 |
| Net charge-offs to loans | 0.1762% | 3,967 |
| Credit loss provision to net charge-offs | 51.6605% | 4,658 |
| Earnings coverage of net charge-offs (x) | 21.3801% | 1,303 |
| Efficiency ratio | 41.0520% | 6,907 |
| Assets per employee ($millions) | 8.7742% | 354 |
| Cash dividends to net income (ytd only)* | 65.7355% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 6,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 6,438 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.4225% | 3,531 |
| Net loans and leases to deposits | 77.0013% | 2,657 |
| Net loans and leases to core deposits | 83.4686% | 2,611 |
| Total domestic deposits to total assets | 78.4694% | 6,001 |
| Equity capital to assets | 11.3143% | 2,615 |
| Core capital (leverage) ratio | 9.8268% | 3,628 |
| Tier 1 risk-based capital ratio | 14.4052% | 4,091 |
| Total risk-based capital ratio | 15.0132% | 4,508 |
| Memoranda: | ||
| Average total assets | $247,954,600 | 2,548 |
| Average earning assets | $239,216,600 | 2,421 |
| Average equity | $28,658,200 | 2,341 |
| Average total loans | $153,818,200 | 2,517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 3,646 |
| Cost of funding earning assets | 0.8815% | 2,301 |
| Net interest margin | 3.6168% | 4,163 |
| Noninterest income to average assets | 0.5259% | 3,765 |
| Noninterest expense to average assets | 1.5843% | 6,888 |
| Loan and lease loss provision to assets | 0.0437% | 5,229 |
| Net operating income to assets | 2.2651% | 256 |
| Return on assets (ROA) | 2.4985% | 182 |
| Pretax return on assets | 2.6302% | 241 |
| Return on Equity (ROE) | 21.4956% | 262 |
| Retained earnings to average equity (ytd only) | 8.1002% | 1,579 |
| Net charge-offs to loans | 0.2268% | 3,361 |
| Credit loss provision to net charge-offs | 30.8880% | 4,788 |
| Earnings coverage of net charge-offs (x) | 17.1663% | 1,637 |
| Efficiency ratio | 39.4855% | 7,024 |
| Assets per employee ($millions) | 8.2569% | 437 |
| Cash dividends to net income (ytd only)* | 62.3169% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 6,791 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 6,543 |
| Noncurrent loans to loans | 0.0099% | 6,642 |
| Net loans and leases to total assets | 60.6134% | 3,653 |
| Net loans and leases to deposits | 79.1509% | 2,518 |
| Net loans and leases to core deposits | 85.8986% | 2,477 |
| Total domestic deposits to total assets | 76.5795% | 6,299 |
| Equity capital to assets | 11.8842% | 2,365 |
| Core capital (leverage) ratio | 10.2782% | 3,194 |
| Tier 1 risk-based capital ratio | 15.0349% | 3,824 |
| Total risk-based capital ratio | 15.6470% | 4,235 |
| Memoranda: | ||
| Average total assets | $244,137,000 | 2,606 |
| Average earning assets | $235,341,500 | 2,475 |
| Average equity | $28,377,250 | 2,375 |
| Average total loans | $152,249,000 | 2,571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 3,612 |
| Cost of funding earning assets | 0.9045% | 2,358 |
| Net interest margin | 3.6344% | 4,108 |
| Noninterest income to average assets | 0.5244% | 3,753 |
| Noninterest expense to average assets | 1.6160% | 6,913 |
| Loan and lease loss provision to assets | 0.0329% | 5,259 |
| Net operating income to assets | 2.2593% | 259 |
| Return on assets (ROA) | 2.6113% | 162 |
| Pretax return on assets | 2.7487% | 205 |
| Return on Equity (ROE) | 22.6380% | 224 |
| Retained earnings to average equity (ytd only) | 9.0709% | 1,252 |
| Net charge-offs to loans | 0.3407% | 2,654 |
| Credit loss provision to net charge-offs | 15.3846% | 4,676 |
| Earnings coverage of net charge-offs (x) | 11.2654% | 1,976 |
| Efficiency ratio | 40.1267% | 7,061 |
| Assets per employee ($millions) | 8.1460% | 439 |
| Cash dividends to net income (ytd only)* | 59.9306% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 6,904 |
| Loan loss allowance to noncurrent loans | 557.5581% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 6,427 |
| Noncurrent loans to loans | 0.1126% | 6,380 |
| Net loans and leases to total assets | 62.0872% | 3,415 |
| Net loans and leases to deposits | 79.3640% | 2,469 |
| Net loans and leases to core deposits | 85.8428% | 2,448 |
| Total domestic deposits to total assets | 78.2309% | 6,109 |
| Equity capital to assets | 11.7666% | 2,350 |
| Core capital (leverage) ratio | 10.1083% | 3,261 |
| Tier 1 risk-based capital ratio | 14.6186% | 4,025 |
| Total risk-based capital ratio | 15.2001% | 4,454 |
| Memoranda: | ||
| Average total assets | $242,947,330 | 2,625 |
| Average earning assets | $234,150,000 | 2,483 |
| Average equity | $28,023,670 | 2,392 |
| Average total loans | $152,617,670 | 2,569 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 3,606 |
| Cost of funding earning assets | 0.9358% | 2,401 |
| Net interest margin | 3.6422% | 4,079 |
| Noninterest income to average assets | 0.5548% | 3,530 |
| Noninterest expense to average assets | 1.5522% | 7,013 |
| Loan and lease loss provision to assets | 0.0165% | 5,118 |
| Net operating income to assets | 2.3696% | 216 |
| Return on assets (ROA) | 2.3696% | 266 |
| Pretax return on assets | 2.4951% | 335 |
| Return on Equity (ROE) | 20.7535% | 333 |
| Retained earnings to average equity (ytd only) | 7.0142% | 2,432 |
| Net charge-offs to loans | 0.0446% | 4,073 |
| Credit loss provision to net charge-offs | 58.8235% | 3,140 |
| Earnings coverage of net charge-offs (x) | 89.4706% | 380 |
| Efficiency ratio | 38.1959% | 7,149 |
| Assets per employee ($millions) | 7.9997% | 476 |
| Cash dividends to net income (ytd only)* | 66.2021% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 6,784 |
| Loan loss allowance to noncurrent loans | 193.3993% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 5,887 |
| Noncurrent loans to loans | 0.3994% | 5,877 |
| Net loans and leases to total assets | 62.7261% | 3,118 |
| Net loans and leases to deposits | 79.7966% | 2,228 |
| Net loans and leases to core deposits | 84.9484% | 2,414 |
| Total domestic deposits to total assets | 78.6075% | 6,162 |
| Equity capital to assets | 11.5759% | 2,370 |
| Core capital (leverage) ratio | 9.8922% | 3,513 |
| Tier 1 risk-based capital ratio | 14.2965% | 4,239 |
| Total risk-based capital ratio | 15.0148% | 4,624 |
| Memoranda: | ||
| Average total assets | $242,231,500 | 2,642 |
| Average earning assets | $233,375,000 | 2,507 |
| Average equity | $27,658,000 | 2,417 |
| Average total loans | $152,583,000 | 2,591 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 3,353 |
| Cost of funding earning assets | 1.1183% | 2,546 |
| Net interest margin | 3.7827% | 3,914 |
| Noninterest income to average assets | 0.5474% | 3,528 |
| Noninterest expense to average assets | 1.7388% | 7,023 |
| Loan and lease loss provision to assets | 0.0110% | 6,397 |
| Net operating income to assets | 2.3201% | 179 |
| Return on assets (ROA) | 2.3222% | 187 |
| Pretax return on assets | 2.4390% | 232 |
| Return on Equity (ROE) | 21.0207% | 223 |
| Retained earnings to average equity (ytd only) | 4.8277% | 2,762 |
| Net charge-offs to loans | 0.1827% | 4,690 |
| Credit loss provision to net charge-offs | 9.3284% | 6,017 |
| Earnings coverage of net charge-offs (x) | 20.7910% | 1,119 |
| Efficiency ratio | 41.5320% | 7,179 |
| Assets per employee ($millions) | 8.4301% | 402 |
| Cash dividends to net income (ytd only)* | 77.0337% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 6,805 |
| Loan loss allowance to noncurrent loans | 245.1143% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 6,134 |
| Noncurrent loans to loans | 0.3134% | 6,106 |
| Net loans and leases to total assets | 62.2885% | 3,541 |
| Net loans and leases to deposits | 79.0357% | 2,678 |
| Net loans and leases to core deposits | 85.5744% | 2,693 |
| Total domestic deposits to total assets | 78.8107% | 6,033 |
| Equity capital to assets | 11.2630% | 2,728 |
| Core capital (leverage) ratio | 9.9908% | 3,347 |
| Tier 1 risk-based capital ratio | 13.9099% | 4,391 |
| Total risk-based capital ratio | 14.6279% | 4,761 |
| Memoranda: | ||
| Average total assets | $227,632,200 | 2,755 |
| Average earning assets | $218,998,000 | 2,624 |
| Average equity | $25,146,600 | 2,562 |
| Average total loans | $146,683,400 | 2,684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 3,177 |
| Cost of funding earning assets | 1.1653% | 2,532 |
| Net interest margin | 3.8171% | 3,788 |
| Noninterest income to average assets | 0.5795% | 3,303 |
| Noninterest expense to average assets | 1.6966% | 7,101 |
| Loan and lease loss provision to assets | 0.0149% | 6,246 |
| Net operating income to assets | 2.4141% | 178 |
| Return on assets (ROA) | 2.4169% | 185 |
| Pretax return on assets | 2.5440% | 228 |
| Return on Equity (ROE) | 21.9958% | 219 |
| Retained earnings to average equity (ytd only) | 5.0455% | 3,144 |
| Net charge-offs to loans | 0.0138% | 5,956 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 285.5260% | 132 |
| Efficiency ratio | 39.8962% | 7,263 |
| Assets per employee ($millions) | 7.7633% | 522 |
| Cash dividends to net income (ytd only)* | 77.0617% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 6,395 |
| Loan loss allowance to noncurrent loans | 208.7464% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 5,952 |
| Noncurrent loans to loans | 0.4632% | 5,920 |
| Net loans and leases to total assets | 65.1394% | 3,078 |
| Net loans and leases to deposits | 85.5698% | 1,740 |
| Net loans and leases to core deposits | 94.0355% | 1,791 |
| Total domestic deposits to total assets | 76.1243% | 6,520 |
| Equity capital to assets | 12.0105% | 2,243 |
| Core capital (leverage) ratio | 9.9903% | 3,460 |
| Tier 1 risk-based capital ratio | 14.4643% | 4,002 |
| Total risk-based capital ratio | 15.3825% | 4,222 |
| Memoranda: | ||
| Average total assets | $223,422,250 | 2,811 |
| Average earning assets | $214,994,250 | 2,683 |
| Average equity | $24,549,500 | 2,629 |
| Average total loans | $144,990,000 | 2,729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 3,333 |
| Cost of funding earning assets | 1.1908% | 2,638 |
| Net interest margin | 3.7740% | 3,915 |
| Noninterest income to average assets | 0.5789% | 3,278 |
| Noninterest expense to average assets | 1.6738% | 7,202 |
| Loan and lease loss provision to assets | 0.0224% | 6,012 |
| Net operating income to assets | 2.3864% | 195 |
| Return on assets (ROA) | 2.3864% | 198 |
| Pretax return on assets | 2.5120% | 242 |
| Return on Equity (ROE) | 22.4205% | 219 |
| Retained earnings to average equity (ytd only) | 6.2987% | 2,245 |
| Net charge-offs to loans | 0.0250% | 5,476 |
| Credit loss provision to net charge-offs | 138.8889% | 2,192 |
| Earnings coverage of net charge-offs (x) | 156.8889% | 229 |
| Efficiency ratio | 39.7739% | 7,340 |
| Assets per employee ($millions) | 7.9147% | 472 |
| Cash dividends to net income (ytd only)* | 71.9067% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 6,468 |
| Loan loss allowance to noncurrent loans | 121.8244% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 5,300 |
| Noncurrent loans to loans | 0.7922% | 5,329 |
| Net loans and leases to total assets | 63.8878% | 3,489 |
| Net loans and leases to deposits | 83.6246% | 2,165 |
| Net loans and leases to core deposits | 93.4405% | 1,968 |
| Total domestic deposits to total assets | 76.3983% | 6,536 |
| Equity capital to assets | 10.9770% | 2,986 |
| Core capital (leverage) ratio | 10.0102% | 3,249 |
| Tier 1 risk-based capital ratio | 13.8541% | 4,269 |
| Total risk-based capital ratio | 14.7390% | 4,511 |
| Memoranda: | ||
| Average total assets | $222,850,670 | 2,829 |
| Average earning assets | $214,308,670 | 2,710 |
| Average equity | $23,719,330 | 2,679 |
| Average total loans | $143,958,330 | 2,773 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 3,667 |
| Cost of funding earning assets | 1.2098% | 2,751 |
| Net interest margin | 3.6746% | 4,226 |
| Noninterest income to average assets | 0.5977% | 3,184 |
| Noninterest expense to average assets | 1.7092% | 7,219 |
| Loan and lease loss provision to assets | 0.0273% | 5,620 |
| Net operating income to assets | 2.2887% | 233 |
| Return on assets (ROA) | 2.2887% | 245 |
| Pretax return on assets | 2.4090% | 283 |
| Return on Equity (ROE) | 21.8611% | 250 |
| Retained earnings to average equity (ytd only) | 5.3260% | 2,988 |
| Net charge-offs to loans | -0.0028% | 6,195 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2308% | 7,368 |
| Assets per employee ($millions) | 7.8671% | 495 |
| Cash dividends to net income (ytd only)* | 75.6369% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,304 |
| Loan loss allowance to noncurrent loans | 66.6976% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 4,428 |
| Noncurrent loans to loans | 1.5332% | 4,169 |
| Net loans and leases to total assets | 63.1835% | 3,609 |
| Net loans and leases to deposits | 80.3014% | 2,661 |
| Net loans and leases to core deposits | 89.6311% | 2,389 |
| Total domestic deposits to total assets | 78.6829% | 6,261 |
| Equity capital to assets | 10.6356% | 3,053 |
| Core capital (leverage) ratio | 10.0208% | 3,118 |
| Tier 1 risk-based capital ratio | 14.2205% | 3,922 |
| Total risk-based capital ratio | 15.1529% | 4,115 |
| Memoranda: | ||
| Average total assets | $219,513,000 | 2,888 |
| Average earning assets | $211,940,000 | 2,756 |
| Average equity | $22,981,500 | 2,748 |
| Average total loans | $141,903,500 | 2,846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 4,306 |
| Cost of funding earning assets | 1.4004% | 3,263 |
| Net interest margin | 3.6525% | 4,563 |
| Noninterest income to average assets | 0.4881% | 4,264 |
| Noninterest expense to average assets | 1.7607% | 7,299 |
| Loan and lease loss provision to assets | 0.0411% | 6,753 |
| Net operating income to assets | 2.0814% | 243 |
| Return on assets (ROA) | 2.0818% | 257 |
| Pretax return on assets | 2.1963% | 327 |
| Return on Equity (ROE) | 21.8578% | 166 |
| Retained earnings to average equity (ytd only) | 7.0114% | 1,317 |
| Net charge-offs to loans | -0.0248% | 7,383 |
| Credit loss provision to net charge-offs | -257.1429% | 7,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0438% | 7,419 |
| Assets per employee ($millions) | 7.5430% | 581 |
| Cash dividends to net income (ytd only)* | 67.9229% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,418 |
| Loan loss allowance to noncurrent loans | 80.9334% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 4,720 |
| Noncurrent loans to loans | 1.2270% | 4,679 |
| Net loans and leases to total assets | 64.8087% | 3,709 |
| Net loans and leases to deposits | 82.1228% | 2,776 |
| Net loans and leases to core deposits | 91.3747% | 2,567 |
| Total domestic deposits to total assets | 78.9167% | 6,100 |
| Equity capital to assets | 10.3019% | 3,386 |
| Core capital (leverage) ratio | 9.7515% | 3,373 |
| Tier 1 risk-based capital ratio | 13.9994% | 3,874 |
| Total risk-based capital ratio | 14.9199% | 4,055 |
| Memoranda: | ||
| Average total assets | $219,231,200 | 2,879 |
| Average earning assets | $210,652,800 | 2,752 |
| Average equity | $20,880,400 | 3,024 |
| Average total loans | $141,362,600 | 2,920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 4,572 |
| Cost of funding earning assets | 1.4225% | 3,437 |
| Net interest margin | 3.6323% | 4,718 |
| Noninterest income to average assets | 0.4772% | 4,351 |
| Noninterest expense to average assets | 1.6016% | 7,502 |
| Loan and lease loss provision to assets | 0.0365% | 6,716 |
| Net operating income to assets | 2.2119% | 237 |
| Return on assets (ROA) | 2.2125% | 251 |
| Pretax return on assets | 2.3286% | 317 |
| Return on Equity (ROE) | 23.7127% | 147 |
| Retained earnings to average equity (ytd only) | 7.9542% | 1,435 |
| Net charge-offs to loans | -0.0312% | 7,409 |
| Credit loss provision to net charge-offs | -181.8182% | 6,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3831% | 7,571 |
| Assets per employee ($millions) | 7.5250% | 619 |
| Cash dividends to net income (ytd only)* | 66.4560% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,465 |
| Loan loss allowance to noncurrent loans | 161.2529% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,813 |
| Noncurrent loans to loans | 0.6100% | 5,987 |
| Net loans and leases to total assets | 64.1213% | 4,098 |
| Net loans and leases to deposits | 84.3753% | 2,643 |
| Net loans and leases to core deposits | 96.6768% | 2,182 |
| Total domestic deposits to total assets | 75.9953% | 6,657 |
| Equity capital to assets | 10.2913% | 3,778 |
| Core capital (leverage) ratio | 8.7639% | 5,078 |
| Tier 1 risk-based capital ratio | 12.4980% | 4,983 |
| Total risk-based capital ratio | 13.4095% | 5,276 |
| Memoranda: | ||
| Average total assets | $219,352,250 | 2,927 |
| Average earning assets | $210,699,500 | 2,782 |
| Average equity | $20,466,750 | 3,129 |
| Average total loans | $140,906,000 | 2,964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 4,629 |
| Cost of funding earning assets | 1.4592% | 3,502 |
| Net interest margin | 3.6082% | 4,776 |
| Noninterest income to average assets | 0.4524% | 4,493 |
| Noninterest expense to average assets | 1.5628% | 7,587 |
| Loan and lease loss provision to assets | 0.0273% | 6,671 |
| Net operating income to assets | 2.2036% | 230 |
| Return on assets (ROA) | 2.2036% | 252 |
| Pretax return on assets | 2.3192% | 322 |
| Return on Equity (ROE) | 24.4508% | 138 |
| Retained earnings to average equity (ytd only) | 14.4120% | 286 |
| Net charge-offs to loans | -0.0469% | 7,438 |
| Credit loss provision to net charge-offs | -90.9091% | 6,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9767% | 7,645 |
| Assets per employee ($millions) | 7.9796% | 502 |
| Cash dividends to net income (ytd only)* | 41.0574% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 6,591 |
| Loan loss allowance to noncurrent loans | 172.1519% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 5,963 |
| Noncurrent loans to loans | 0.5530% | 6,144 |
| Net loans and leases to total assets | 63.3306% | 4,388 |
| Net loans and leases to deposits | 83.7684% | 2,912 |
| Net loans and leases to core deposits | 95.9784% | 2,440 |
| Total domestic deposits to total assets | 75.6021% | 6,762 |
| Equity capital to assets | 9.3699% | 4,897 |
| Core capital (leverage) ratio | 8.7164% | 5,050 |
| Tier 1 risk-based capital ratio | 12.3199% | 5,023 |
| Total risk-based capital ratio | 13.1896% | 5,335 |
| Memoranda: | ||
| Average total assets | $219,728,330 | 2,941 |
| Average earning assets | $210,520,330 | 2,812 |
| Average equity | $19,803,000 | 3,201 |
| Average total loans | $140,768,670 | 2,993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0999% | 4,527 |
| Cost of funding earning assets | 1.5238% | 3,408 |
| Net interest margin | 3.5761% | 4,831 |
| Noninterest income to average assets | 0.5489% | 3,657 |
| Noninterest expense to average assets | 1.5440% | 7,691 |
| Loan and lease loss provision to assets | 0.0367% | 6,309 |
| Net operating income to assets | 2.2655% | 228 |
| Return on assets (ROA) | 2.2655% | 253 |
| Pretax return on assets | 2.3848% | 298 |
| Return on Equity (ROE) | 25.6589% | 146 |
| Retained earnings to average equity (ytd only) | 15.3246% | 384 |
| Net charge-offs to loans | -0.0716% | 7,448 |
| Credit loss provision to net charge-offs | -80.0000% | 6,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9352% | 7,760 |
| Assets per employee ($millions) | 8.0644% | 509 |
| Cash dividends to net income (ytd only)* | 40.2755% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 6,674 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 5,325 |
| Noncurrent loans to loans | 0.9494% | 5,437 |
| Net loans and leases to total assets | 64.3002% | 4,263 |
| Net loans and leases to deposits | 81.0412% | 3,456 |
| Net loans and leases to core deposits | 93.3959% | 2,915 |
| Total domestic deposits to total assets | 79.3426% | 6,002 |
| Equity capital to assets | 9.1840% | 5,010 |
| Core capital (leverage) ratio | 8.5614% | 5,273 |
| Tier 1 risk-based capital ratio | 10.9166% | 6,236 |
| Total risk-based capital ratio | 11.7053% | 6,667 |
| Memoranda: | ||
| Average total assets | $217,878,000 | 3,015 |
| Average earning assets | $208,162,000 | 2,897 |
| Average equity | $19,237,000 | 3,299 |
| Average total loans | $139,723,500 | 3,084 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2859% | 5,251 |
| Cost of funding earning assets | 1.8301% | 3,836 |
| Net interest margin | 3.4557% | 5,147 |
| Noninterest income to average assets | 0.5901% | 3,700 |
| Noninterest expense to average assets | 1.7975% | 7,609 |
| Loan and lease loss provision to assets | 0.1575% | 6,099 |
| Net operating income to assets | 1.8568% | 318 |
| Return on assets (ROA) | 1.8600% | 325 |
| Pretax return on assets | 1.9540% | 446 |
| Return on Equity (ROE) | 22.2982% | 154 |
| Retained earnings to average equity (ytd only) | 8.9390% | 506 |
| Net charge-offs to loans | 0.2024% | 5,371 |
| Credit loss provision to net charge-offs | 121.2687% | 4,393 |
| Earnings coverage of net charge-offs (x) | 16.2351% | 1,260 |
| Efficiency ratio | 46.0241% | 7,712 |
| Assets per employee ($millions) | 8.0747% | 495 |
| Cash dividends to net income (ytd only)* | 59.9114% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,676 |
| Loan loss allowance to noncurrent loans | 131.9430% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 5,608 |
| Noncurrent loans to loans | 0.7118% | 5,824 |
| Net loans and leases to total assets | 62.7480% | 4,858 |
| Net loans and leases to deposits | 80.9316% | 3,811 |
| Net loans and leases to core deposits | 108.2885% | 3,071 |
| Total domestic deposits to total assets | 77.5321% | 6,344 |
| Equity capital to assets | 8.4750% | 5,918 |
| Core capital (leverage) ratio | 8.3709% | 5,501 |
| Tier 1 risk-based capital ratio | 10.4356% | 6,461 |
| Total risk-based capital ratio | 11.1944% | 6,898 |
| Memoranda: | ||
| Average total assets | $206,399,400 | 3,102 |
| Average earning assets | $198,018,800 | 2,998 |
| Average equity | $17,216,600 | 3,631 |
| Average total loans | $132,440,600 | 3,221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3401% | 5,221 |
| Cost of funding earning assets | 1.9022% | 3,876 |
| Net interest margin | 3.4379% | 5,121 |
| Noninterest income to average assets | 0.6296% | 3,498 |
| Noninterest expense to average assets | 1.7166% | 7,749 |
| Loan and lease loss provision to assets | 0.1441% | 5,913 |
| Net operating income to assets | 1.9658% | 318 |
| Return on assets (ROA) | 1.9689% | 334 |
| Pretax return on assets | 2.0724% | 472 |
| Return on Equity (ROE) | 23.7054% | 143 |
| Retained earnings to average equity (ytd only) | 11.6910% | 382 |
| Net charge-offs to loans | 0.1903% | 4,878 |
| Credit loss provision to net charge-offs | 117.6471% | 4,320 |
| Earnings coverage of net charge-offs (x) | 18.0640% | 1,368 |
| Efficiency ratio | 43.6812% | 7,847 |
| Assets per employee ($millions) | 7.7844% | 558 |
| Cash dividends to net income (ytd only)* | 50.6823% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,550 |
| Loan loss allowance to noncurrent loans | 118.7500% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 5,453 |
| Noncurrent loans to loans | 0.7994% | 5,701 |
| Net loans and leases to total assets | 63.1968% | 5,042 |
| Net loans and leases to deposits | 80.9235% | 4,215 |
| Net loans and leases to core deposits | 106.4038% | 3,658 |
| Total domestic deposits to total assets | 78.0945% | 6,060 |
| Equity capital to assets | 9.0461% | 5,421 |
| Core capital (leverage) ratio | 8.5284% | 5,436 |
| Tier 1 risk-based capital ratio | 10.5895% | 6,359 |
| Total risk-based capital ratio | 11.3476% | 6,824 |
| Memoranda: | ||
| Average total assets | $203,494,750 | 3,164 |
| Average earning assets | $195,349,000 | 3,051 |
| Average equity | $16,901,500 | 3,722 |
| Average total loans | $131,026,000 | 3,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 5,259 |
| Cost of funding earning assets | 1.9647% | 3,942 |
| Net interest margin | 3.4133% | 5,118 |
| Noninterest income to average assets | 0.7105% | 2,925 |
| Noninterest expense to average assets | 1.7728% | 7,771 |
| Loan and lease loss provision to assets | 0.1143% | 6,003 |
| Net operating income to assets | 1.9916% | 303 |
| Return on assets (ROA) | 1.9964% | 331 |
| Pretax return on assets | 2.1017% | 429 |
| Return on Equity (ROE) | 24.8060% | 140 |
| Retained earnings to average equity (ytd only) | 12.2734% | 403 |
| Net charge-offs to loans | 0.0231% | 6,171 |
| Credit loss provision to net charge-offs | 766.6667% | 612 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 272 |
| Efficiency ratio | 44.4999% | 7,909 |
| Assets per employee ($millions) | 7.6497% | 576 |
| Cash dividends to net income (ytd only)* | 50.5226% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 6,148 |
| Loan loss allowance to noncurrent loans | 75.3232% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 4,589 |
| Noncurrent loans to loans | 1.3419% | 4,531 |
| Net loans and leases to total assets | 63.5369% | 5,071 |
| Net loans and leases to deposits | 80.0633% | 4,537 |
| Net loans and leases to core deposits | 104.8774% | 3,971 |
| Total domestic deposits to total assets | 79.3583% | 5,705 |
| Equity capital to assets | 7.8802% | 6,885 |
| Core capital (leverage) ratio | 8.4194% | 5,582 |
| Tier 1 risk-based capital ratio | 10.4345% | 6,438 |
| Total risk-based capital ratio | 11.2430% | 6,870 |
| Memoranda: | ||
| Average total assets | $201,266,330 | 3,208 |
| Average earning assets | $193,009,330 | 3,107 |
| Average equity | $16,197,670 | 3,884 |
| Average total loans | $130,001,330 | 3,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 5,006 |
| Cost of funding earning assets | 2.0326% | 3,970 |
| Net interest margin | 3.4493% | 4,943 |
| Noninterest income to average assets | 0.7270% | 2,720 |
| Noninterest expense to average assets | 1.5527% | 7,941 |
| Loan and lease loss provision to assets | 0.0806% | 5,940 |
| Net operating income to assets | 2.2779% | 205 |
| Return on assets (ROA) | 2.2837% | 231 |
| Pretax return on assets | 2.4045% | 298 |
| Return on Equity (ROE) | 28.0719% | 127 |
| Retained earnings to average equity (ytd only) | 15.4965% | 369 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5115% | 8,077 |
| Assets per employee ($millions) | 7.3227% | 668 |
| Cash dividends to net income (ytd only)* | 44.7972% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,369 |
| Loan loss allowance to noncurrent loans | 116.0471% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 4,976 |
| Noncurrent loans to loans | 0.8362% | 5,350 |
| Net loans and leases to total assets | 66.0670% | 4,569 |
| Net loans and leases to deposits | 83.1194% | 4,112 |
| Net loans and leases to core deposits | 108.0878% | 3,663 |
| Total domestic deposits to total assets | 79.4844% | 5,547 |
| Equity capital to assets | 8.5907% | 5,930 |
| Core capital (leverage) ratio | 8.5254% | 5,483 |
| Tier 1 risk-based capital ratio | 10.6398% | 6,246 |
| Total risk-based capital ratio | 11.4444% | 6,633 |
| Memoranda: | ||
| Average total assets | $198,628,000 | 3,259 |
| Average earning assets | $190,300,500 | 3,149 |
| Average equity | $16,158,500 | 3,913 |
| Average total loans | $128,716,500 | 3,396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9663% | 5,721 |
| Cost of funding earning assets | 2.6064% | 3,658 |
| Net interest margin | 3.3599% | 5,822 |
| Noninterest income to average assets | 0.7680% | 2,679 |
| Noninterest expense to average assets | 1.7260% | 7,845 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1390% | 268 |
| Return on assets (ROA) | 2.1425% | 258 |
| Pretax return on assets | 2.2538% | 353 |
| Return on Equity (ROE) | 26.0399% | 115 |
| Retained earnings to average equity (ytd only) | 8.7890% | 637 |
| Net charge-offs to loans | -0.0008% | 7,721 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4090% | 8,030 |
| Assets per employee ($millions) | 7.3905% | 598 |
| Cash dividends to net income (ytd only)* | 66.2478% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,159 |
| Loan loss allowance to noncurrent loans | 247.5050% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 5,456 |
| Noncurrent loans to loans | 0.3991% | 6,153 |
| Net loans and leases to total assets | 62.2873% | 5,577 |
| Net loans and leases to deposits | 78.8112% | 5,225 |
| Net loans and leases to core deposits | 102.0946% | 4,597 |
| Total domestic deposits to total assets | 79.0336% | 5,364 |
| Equity capital to assets | 7.6836% | 7,222 |
| Core capital (leverage) ratio | 8.2201% | 6,127 |
| Tier 1 risk-based capital ratio | 10.7633% | 5,945 |
| Total risk-based capital ratio | 11.5821% | 6,261 |
| Memoranda: | ||
| Average total assets | $189,454,800 | 3,278 |
| Average earning assets | $180,898,800 | 3,175 |
| Average equity | $15,587,600 | 4,007 |
| Average total loans | $118,596,000 | 3,498 |