Home > McClain Bank > Performance and Condition Ratios
McClain 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 | 5.4483% | 1,237 |
| Cost of funding earning assets | 0.9631% | 3,384 |
| Net interest margin | 4.4852% | 633 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.1663% | 859 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3947% | 1,224 |
| Return on assets (ROA) | 1.3889% | 1,205 |
| Pretax return on assets | 1.8156% | 870 |
| Return on Equity (ROE) | 13.6900% | 1,558 |
| Retained earnings to average equity (ytd only) | -6.0497% | 4,412 |
| Net charge-offs to loans | 0.1996% | 531 |
| Credit loss provision to net charge-offs | 124.0310% | 1,643 |
| Earnings coverage of net charge-offs (x) | 14.1680% | 2,085 |
| Efficiency ratio | 61.3138% | 2,938 |
| Assets per employee ($millions) | 5.3715% | 3,342 |
| Cash dividends to net income (ytd only)* | 144.2025% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,119 |
| Loan loss allowance to noncurrent loans | 85.4274% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 581 |
| Noncurrent loans to loans | 1.2156% | 584 |
| Net loans and leases to total assets | 70.9300% | 1,711 |
| Net loans and leases to deposits | 78.9283% | 2,196 |
| Net loans and leases to core deposits | 80.7314% | 2,668 |
| Total domestic deposits to total assets | 89.8700% | 795 |
| Equity capital to assets | 9.9254% | 2,050 |
| Core capital (leverage) ratio | 10.1396% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $274,452,800 | 2,552 |
| Average earning assets | $254,390,200 | 2,544 |
| Average equity | $27,852,400 | 2,369 |
| Average total loans | $193,898,200 | 2,332 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 1,290 |
| Cost of funding earning assets | 0.8514% | 3,396 |
| Net interest margin | 4.4507% | 661 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 3.1907% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5675% | 987 |
| Return on assets (ROA) | 1.5598% | 1,000 |
| Pretax return on assets | 1.9797% | 771 |
| Return on Equity (ROE) | 15.2900% | 1,395 |
| Retained earnings to average equity (ytd only) | 1.4114% | 3,862 |
| Net charge-offs to loans | 0.2272% | 389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 12.4381% | 2,068 |
| Efficiency ratio | 61.5951% | 2,769 |
| Assets per employee ($millions) | 5.4051% | 3,260 |
| Cash dividends to net income (ytd only)* | 90.7683% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 3,989 |
| Loan loss allowance to noncurrent loans | 75.9036% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 724 |
| Noncurrent loans to loans | 1.0527% | 762 |
| Net loans and leases to total assets | 72.3500% | 1,531 |
| Net loans and leases to deposits | 81.0070% | 1,971 |
| Net loans and leases to core deposits | 82.6950% | 2,423 |
| Total domestic deposits to total assets | 89.3200% | 1,151 |
| Equity capital to assets | 10.4632% | 1,569 |
| Core capital (leverage) ratio | 10.7947% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $275,922,750 | 2,550 |
| Average earning assets | $256,044,750 | 2,543 |
| Average equity | $28,151,250 | 2,342 |
| Average total loans | $194,246,500 | 2,326 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 1,264 |
| Cost of funding earning assets | 0.6859% | 3,524 |
| Net interest margin | 4.4819% | 625 |
| Noninterest income to average assets | 1.0600% | 521 |
| Noninterest expense to average assets | 2.8760% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7888% | 674 |
| Return on assets (ROA) | 1.7775% | 681 |
| Pretax return on assets | 2.3275% | 448 |
| Return on Equity (ROE) | 17.5700% | 1,005 |
| Retained earnings to average equity (ytd only) | -2.2839% | 4,305 |
| Net charge-offs to loans | -0.0279% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.1187% | 3,522 |
| Assets per employee ($millions) | 5.5534% | 3,101 |
| Cash dividends to net income (ytd only)* | 113.0012% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,498 |
| Loan loss allowance to noncurrent loans | 635.8553% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,758 |
| Noncurrent loans to loans | 0.1542% | 2,698 |
| Net loans and leases to total assets | 71.7500% | 1,562 |
| Net loans and leases to deposits | 79.9868% | 1,982 |
| Net loans and leases to core deposits | 82.2738% | 2,316 |
| Total domestic deposits to total assets | 89.7000% | 1,012 |
| Equity capital to assets | 10.1346% | 1,779 |
| Core capital (leverage) ratio | 10.3430% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $277,812,667 | 2,543 |
| Average earning assets | $257,481,667 | 2,544 |
| Average equity | $28,109,333 | 2,349 |
| Average total loans | $193,291,000 | 2,333 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 1,196 |
| Cost of funding earning assets | 0.6537% | 3,205 |
| Net interest margin | 4.3650% | 725 |
| Noninterest income to average assets | 1.0600% | 531 |
| Noninterest expense to average assets | 2.7806% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7687% | 713 |
| Return on assets (ROA) | 1.7473% | 742 |
| Pretax return on assets | 2.2875% | 496 |
| Return on Equity (ROE) | 17.2800% | 1,131 |
| Retained earnings to average equity (ytd only) | 15.3093% | 758 |
| Net charge-offs to loans | -0.0146% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.5734% | 3,548 |
| Assets per employee ($millions) | 5.8215% | 2,917 |
| Cash dividends to net income (ytd only)* | 11.4192% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,558 |
| Loan loss allowance to noncurrent loans | 423.2301% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,394 |
| Noncurrent loans to loans | 0.2337% | 2,332 |
| Net loans and leases to total assets | 67.1400% | 1,933 |
| Net loans and leases to deposits | 74.9705% | 2,215 |
| Net loans and leases to core deposits | 75.2453% | 2,585 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 10.2050% | 1,720 |
| Core capital (leverage) ratio | 10.6031% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $280,660,500 | 2,556 |
| Average earning assets | $259,429,500 | 2,563 |
| Average equity | $28,375,000 | 2,366 |
| Average total loans | $191,352,500 | 2,365 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 1,406 |
| Cost of funding earning assets | 0.1925% | 3,821 |
| Net interest margin | 3.9384% | 879 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.8231% | 1,270 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3984% | 1,137 |
| Return on assets (ROA) | 1.3388% | 1,274 |
| Pretax return on assets | 1.7398% | 840 |
| Return on Equity (ROE) | 13.2000% | 1,740 |
| Retained earnings to average equity (ytd only) | 0.4982% | 4,274 |
| Net charge-offs to loans | -0.0073% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0706% | 3,048 |
| Assets per employee ($millions) | 5.7514% | 2,988 |
| Cash dividends to net income (ytd only)* | 96.2264% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,327 |
| Loan loss allowance to noncurrent loans | 354.2751% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,197 |
| Noncurrent loans to loans | 0.2843% | 2,129 |
| Net loans and leases to total assets | 67.8700% | 1,841 |
| Net loans and leases to deposits | 75.5360% | 2,132 |
| Net loans and leases to core deposits | 77.1132% | 2,340 |
| Total domestic deposits to total assets | 89.8500% | 1,433 |
| Equity capital to assets | 10.0120% | 1,698 |
| Core capital (leverage) ratio | 10.4550% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $277,108,400 | 2,564 |
| Average earning assets | $258,202,800 | 2,557 |
| Average equity | $28,099,400 | 2,425 |
| Average total loans | $179,066,600 | 2,384 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 1,345 |
| Cost of funding earning assets | 0.1211% | 4,117 |
| Net interest margin | 3.8392% | 894 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.8039% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3655% | 1,182 |
| Return on assets (ROA) | 1.3666% | 1,150 |
| Pretax return on assets | 1.7930% | 741 |
| Return on Equity (ROE) | 13.4300% | 1,581 |
| Retained earnings to average equity (ytd only) | 5.5195% | 2,918 |
| Net charge-offs to loans | -0.0045% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0146% | 2,970 |
| Assets per employee ($millions) | 5.6544% | 3,074 |
| Cash dividends to net income (ytd only)* | 58.9166% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 3,773 |
| Loan loss allowance to noncurrent loans | 345.1098% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,386 |
| Noncurrent loans to loans | 0.2690% | 2,297 |
| Net loans and leases to total assets | 66.5900% | 1,825 |
| Net loans and leases to deposits | 74.3665% | 2,017 |
| Net loans and leases to core deposits | 76.0107% | 2,190 |
| Total domestic deposits to total assets | 89.5400% | 1,856 |
| Equity capital to assets | 10.2511% | 1,491 |
| Core capital (leverage) ratio | 10.6809% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $277,368,500 | 2,583 |
| Average earning assets | $259,771,500 | 2,574 |
| Average equity | $28,214,250 | 2,450 |
| Average total loans | $176,518,000 | 2,404 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 1,313 |
| Cost of funding earning assets | 0.0800% | 4,379 |
| Net interest margin | 3.7213% | 877 |
| Noninterest income to average assets | 0.9543% | 744 |
| Noninterest expense to average assets | 2.7398% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2921% | 1,156 |
| Return on assets (ROA) | 1.2938% | 1,135 |
| Pretax return on assets | 1.7025% | 749 |
| Return on Equity (ROE) | 12.7524% | 1,450 |
| Retained earnings to average equity (ytd only) | 1.8471% | 3,798 |
| Net charge-offs to loans | 0.0369% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 73.7188% | 976 |
| Efficiency ratio | 61.7045% | 3,078 |
| Assets per employee ($millions) | 5.6508% | 3,085 |
| Cash dividends to net income (ytd only)* | 85.5153% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,739 |
| Loan loss allowance to noncurrent loans | 409.4431% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,697 |
| Noncurrent loans to loans | 0.2364% | 2,532 |
| Net loans and leases to total assets | 61.2337% | 2,193 |
| Net loans and leases to deposits | 68.0840% | 2,387 |
| Net loans and leases to core deposits | 69.4536% | 2,525 |
| Total domestic deposits to total assets | 89.9385% | 1,736 |
| Equity capital to assets | 9.9189% | 1,755 |
| Core capital (leverage) ratio | 10.2781% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,470,000 | 2,600 |
| Average earning assets | $259,909,667 | 2,599 |
| Average equity | $28,151,667 | 2,516 |
| Average total loans | $173,285,333 | 2,440 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 1,359 |
| Cost of funding earning assets | 0.0746% | 4,409 |
| Net interest margin | 3.5888% | 913 |
| Noninterest income to average assets | 0.9544% | 748 |
| Noninterest expense to average assets | 2.7512% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2027% | 1,241 |
| Return on assets (ROA) | 1.2061% | 1,222 |
| Pretax return on assets | 1.5669% | 886 |
| Return on Equity (ROE) | 11.7526% | 1,388 |
| Retained earnings to average equity (ytd only) | -8.0241% | 4,526 |
| Net charge-offs to loans | 0.0603% | 709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 41.3077% | 999 |
| Efficiency ratio | 63.7774% | 3,053 |
| Assets per employee ($millions) | 5.7138% | 3,104 |
| Cash dividends to net income (ytd only)* | 168.2750% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,794 |
| Loan loss allowance to noncurrent loans | 213.9975% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 1,990 |
| Noncurrent loans to loans | 0.4592% | 1,875 |
| Net loans and leases to total assets | 61.0728% | 1,955 |
| Net loans and leases to deposits | 68.2069% | 2,131 |
| Net loans and leases to core deposits | 69.5970% | 2,325 |
| Total domestic deposits to total assets | 89.5405% | 1,794 |
| Equity capital to assets | 9.8738% | 1,989 |
| Core capital (leverage) ratio | 10.1761% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,934,000 | 2,630 |
| Average earning assets | $257,356,000 | 2,625 |
| Average equity | $28,215,000 | 2,588 |
| Average total loans | $172,577,000 | 2,437 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 1,915 |
| Cost of funding earning assets | 0.1020% | 4,372 |
| Net interest margin | 3.6818% | 1,261 |
| Noninterest income to average assets | 1.0527% | 915 |
| Noninterest expense to average assets | 2.8811% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2109% | 1,890 |
| Return on assets (ROA) | 1.2115% | 1,936 |
| Pretax return on assets | 1.6136% | 1,389 |
| Return on Equity (ROE) | 11.7626% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.2782% | 1,816 |
| Net charge-offs to loans | -0.0139% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1109% | 2,552 |
| Assets per employee ($millions) | 5.3979% | 3,356 |
| Cash dividends to net income (ytd only)* | 38.1241% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,760 |
| Loan loss allowance to noncurrent loans | 231.5860% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 2,171 |
| Noncurrent loans to loans | 0.4314% | 2,063 |
| Net loans and leases to total assets | 63.2641% | 1,789 |
| Net loans and leases to deposits | 71.4535% | 1,965 |
| Net loans and leases to core deposits | 72.9815% | 2,166 |
| Total domestic deposits to total assets | 88.5388% | 1,770 |
| Equity capital to assets | 10.6657% | 2,037 |
| Core capital (leverage) ratio | 10.7027% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,812,800 | 2,582 |
| Average earning assets | $254,981,400 | 2,586 |
| Average equity | $28,097,600 | 2,644 |
| Average total loans | $165,147,600 | 2,510 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 2,050 |
| Cost of funding earning assets | 0.1080% | 4,437 |
| Net interest margin | 3.6749% | 1,398 |
| Noninterest income to average assets | 1.0635% | 974 |
| Noninterest expense to average assets | 2.8256% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2675% | 1,927 |
| Return on assets (ROA) | 1.2683% | 1,980 |
| Pretax return on assets | 1.6728% | 1,483 |
| Return on Equity (ROE) | 12.4232% | 1,896 |
| Retained earnings to average equity (ytd only) | 9.7495% | 1,397 |
| Net charge-offs to loans | -0.0188% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8265% | 2,565 |
| Assets per employee ($millions) | 5.2941% | 3,411 |
| Cash dividends to net income (ytd only)* | 21.5219% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,656 |
| Loan loss allowance to noncurrent loans | 229.1223% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 2,388 |
| Noncurrent loans to loans | 0.4592% | 2,184 |
| Net loans and leases to total assets | 60.0199% | 2,260 |
| Net loans and leases to deposits | 67.8638% | 2,449 |
| Net loans and leases to core deposits | 69.3149% | 2,652 |
| Total domestic deposits to total assets | 88.4417% | 1,605 |
| Equity capital to assets | 10.7097% | 2,253 |
| Core capital (leverage) ratio | 10.9257% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,542,500 | 2,601 |
| Average earning assets | $255,601,250 | 2,600 |
| Average equity | $27,925,500 | 2,686 |
| Average total loans | $163,317,250 | 2,557 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 1,913 |
| Cost of funding earning assets | 0.1170% | 4,459 |
| Net interest margin | 3.7447% | 1,229 |
| Noninterest income to average assets | 1.0148% | 1,046 |
| Noninterest expense to average assets | 2.8297% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2704% | 1,951 |
| Return on assets (ROA) | 1.2704% | 2,026 |
| Pretax return on assets | 1.6802% | 1,528 |
| Return on Equity (ROE) | 12.6471% | 1,839 |
| Retained earnings to average equity (ytd only) | 9.6031% | 1,524 |
| Net charge-offs to loans | 0.0037% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 769.3333% | 181 |
| Efficiency ratio | 62.7441% | 2,620 |
| Assets per employee ($millions) | 5.1028% | 3,556 |
| Cash dividends to net income (ytd only)* | 24.0688% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,745 |
| Loan loss allowance to noncurrent loans | 223.8786% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 2,469 |
| Noncurrent loans to loans | 0.4581% | 2,302 |
| Net loans and leases to total assets | 62.9226% | 2,071 |
| Net loans and leases to deposits | 71.2258% | 2,277 |
| Net loans and leases to core deposits | 72.8056% | 2,538 |
| Total domestic deposits to total assets | 88.3425% | 1,649 |
| Equity capital to assets | 10.8356% | 2,119 |
| Core capital (leverage) ratio | 10.4445% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,724,333 | 2,580 |
| Average earning assets | $256,413,000 | 2,582 |
| Average equity | $27,595,333 | 2,699 |
| Average total loans | $163,164,667 | 2,572 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 2,037 |
| Cost of funding earning assets | 0.1276% | 4,476 |
| Net interest margin | 3.6946% | 1,340 |
| Noninterest income to average assets | 1.0725% | 1,021 |
| Noninterest expense to average assets | 2.7379% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3207% | 1,757 |
| Return on assets (ROA) | 1.3207% | 1,843 |
| Pretax return on assets | 1.7846% | 1,320 |
| Return on Equity (ROE) | 13.6443% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.5925% | 1,253 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5395% | 2,970 |
| Assets per employee ($millions) | 5.6450% | 2,971 |
| Cash dividends to net income (ytd only)* | 15.0376% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,622 |
| Loan loss allowance to noncurrent loans | 222.8047% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 2,799 |
| Noncurrent loans to loans | 0.4743% | 2,430 |
| Net loans and leases to total assets | 56.3944% | 2,986 |
| Net loans and leases to deposits | 63.0267% | 3,219 |
| Net loans and leases to core deposits | 64.3189% | 3,380 |
| Total domestic deposits to total assets | 89.4770% | 1,076 |
| Equity capital to assets | 9.8070% | 2,886 |
| Core capital (leverage) ratio | 10.0410% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,964,000 | 2,530 |
| Average earning assets | $263,303,500 | 2,534 |
| Average equity | $27,293,500 | 2,712 |
| Average total loans | $162,022,000 | 2,575 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 1,560 |
| Cost of funding earning assets | 0.2455% | 4,400 |
| Net interest margin | 4.1654% | 696 |
| Noninterest income to average assets | 0.6691% | 1,955 |
| Noninterest expense to average assets | 3.0372% | 1,358 |
| Loan and lease loss provision to assets | 0.4040% | 771 |
| Net operating income to assets | 0.8037% | 3,074 |
| Return on assets (ROA) | 0.8037% | 3,196 |
| Pretax return on assets | 1.0644% | 2,830 |
| Return on Equity (ROE) | 7.6379% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.5194% | 2,033 |
| Net charge-offs to loans | 0.5092% | 313 |
| Credit loss provision to net charge-offs | 121.5569% | 2,620 |
| Earnings coverage of net charge-offs (x) | 4.4180% | 2,986 |
| Efficiency ratio | 67.4088% | 2,310 |
| Assets per employee ($millions) | 5.5231% | 2,822 |
| Cash dividends to net income (ytd only)* | 27.7365% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,711 |
| Loan loss allowance to noncurrent loans | 351.2397% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,417 |
| Noncurrent loans to loans | 0.2966% | 3,136 |
| Net loans and leases to total assets | 57.3246% | 3,162 |
| Net loans and leases to deposits | 63.9065% | 3,449 |
| Net loans and leases to core deposits | 65.2141% | 3,611 |
| Total domestic deposits to total assets | 89.7007% | 681 |
| Equity capital to assets | 9.5523% | 3,559 |
| Core capital (leverage) ratio | 10.3648% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,221,200 | 2,573 |
| Average earning assets | $231,379,800 | 2,593 |
| Average equity | $26,434,000 | 2,716 |
| Average total loans | $163,991,800 | 2,535 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 1,509 |
| Cost of funding earning assets | 0.2820% | 4,382 |
| Net interest margin | 4.2442% | 666 |
| Noninterest income to average assets | 1.0941% | 866 |
| Noninterest expense to average assets | 3.1186% | 1,203 |
| Loan and lease loss provision to assets | 0.2270% | 1,787 |
| Net operating income to assets | 1.2287% | 1,552 |
| Return on assets (ROA) | 1.2287% | 1,671 |
| Pretax return on assets | 1.6441% | 1,081 |
| Return on Equity (ROE) | 11.3744% | 1,567 |
| Retained earnings to average equity (ytd only) | 9.2464% | 923 |
| Net charge-offs to loans | 0.7178% | 195 |
| Credit loss provision to net charge-offs | 46.9457% | 2,900 |
| Earnings coverage of net charge-offs (x) | 3.8676% | 2,873 |
| Efficiency ratio | 62.4986% | 2,992 |
| Assets per employee ($millions) | 4.8721% | 3,405 |
| Cash dividends to net income (ytd only)* | 18.7082% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6517% | 4,665 |
| Loan loss allowance to noncurrent loans | 271.5762% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 524 |
| Noncurrent loans to loans | 0.2400% | 3,449 |
| Net loans and leases to total assets | 63.2415% | 2,856 |
| Net loans and leases to deposits | 71.7563% | 3,154 |
| Net loans and leases to core deposits | 73.4187% | 3,362 |
| Total domestic deposits to total assets | 88.1337% | 1,160 |
| Equity capital to assets | 10.7749% | 2,569 |
| Core capital (leverage) ratio | 10.6577% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,606,500 | 2,603 |
| Average earning assets | $223,610,000 | 2,624 |
| Average equity | $26,315,750 | 2,707 |
| Average total loans | $164,196,750 | 2,541 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,516 |
| Cost of funding earning assets | 0.3280% | 4,370 |
| Net interest margin | 4.3305% | 702 |
| Noninterest income to average assets | 1.0426% | 913 |
| Noninterest expense to average assets | 3.1029% | 1,349 |
| Loan and lease loss provision to assets | 0.3453% | 1,229 |
| Net operating income to assets | 1.1683% | 1,732 |
| Return on assets (ROA) | 1.1683% | 1,864 |
| Pretax return on assets | 1.5710% | 1,291 |
| Return on Equity (ROE) | 10.8048% | 1,701 |
| Retained earnings to average equity (ytd only) | 8.6500% | 1,119 |
| Net charge-offs to loans | 1.0074% | 146 |
| Credit loss provision to net charge-offs | 49.8798% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.7680% | 2,738 |
| Efficiency ratio | 61.8203% | 3,154 |
| Assets per employee ($millions) | 4.5626% | 3,706 |
| Cash dividends to net income (ytd only)* | 19.9430% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 4,657 |
| Loan loss allowance to noncurrent loans | 373.8983% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 1.5244% | 609 |
| Noncurrent loans to loans | 0.1753% | 3,746 |
| Net loans and leases to total assets | 65.4435% | 2,701 |
| Net loans and leases to deposits | 73.9452% | 3,078 |
| Net loans and leases to core deposits | 75.5461% | 3,324 |
| Total domestic deposits to total assets | 88.5027% | 945 |
| Equity capital to assets | 10.4046% | 2,833 |
| Core capital (leverage) ratio | 10.6852% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,359,333 | 2,605 |
| Average earning assets | $220,711,000 | 2,623 |
| Average equity | $25,988,333 | 2,716 |
| Average total loans | $165,171,667 | 2,516 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 1,077 |
| Cost of funding earning assets | 0.4163% | 4,304 |
| Net interest margin | 4.5285% | 474 |
| Noninterest income to average assets | 1.0774% | 727 |
| Noninterest expense to average assets | 3.0740% | 1,706 |
| Loan and lease loss provision to assets | 0.5774% | 483 |
| Net operating income to assets | 1.1856% | 1,564 |
| Return on assets (ROA) | 1.1856% | 1,680 |
| Pretax return on assets | 1.5946% | 1,067 |
| Return on Equity (ROE) | 10.7433% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.5635% | 1,086 |
| Net charge-offs to loans | -0.0367% | 4,538 |
| Credit loss provision to net charge-offs | -2,240.0000% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5981% | 3,927 |
| Assets per employee ($millions) | 4.5066% | 3,252 |
| Cash dividends to net income (ytd only)* | 20.2899% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 3,003 |
| Loan loss allowance to noncurrent loans | 36.2246% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.2040% | 344 |
| Noncurrent loans to loans | 3.1415% | 329 |
| Net loans and leases to total assets | 69.3594% | 2,347 |
| Net loans and leases to deposits | 78.8412% | 2,791 |
| Net loans and leases to core deposits | 80.7098% | 3,136 |
| Total domestic deposits to total assets | 87.9736% | 1,119 |
| Equity capital to assets | 11.0919% | 2,780 |
| Core capital (leverage) ratio | 11.0434% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,787,500 | 2,607 |
| Average earning assets | $214,288,500 | 2,625 |
| Average equity | $25,690,500 | 2,732 |
| Average total loans | $163,601,000 | 2,504 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 1,243 |
| Cost of funding earning assets | 0.5966% | 3,654 |
| Net interest margin | 4.4898% | 731 |
| Noninterest income to average assets | 1.0355% | 900 |
| Noninterest expense to average assets | 3.2132% | 1,490 |
| Loan and lease loss provision to assets | 0.0210% | 3,600 |
| Net operating income to assets | 1.4402% | 1,218 |
| Return on assets (ROA) | 1.4353% | 1,295 |
| Pretax return on assets | 1.9216% | 710 |
| Return on Equity (ROE) | 12.4046% | 1,358 |
| Retained earnings to average equity (ytd only) | -2.3563% | 4,886 |
| Net charge-offs to loans | 0.1229% | 1,530 |
| Credit loss provision to net charge-offs | 24.4898% | 3,304 |
| Earnings coverage of net charge-offs (x) | 22.7551% | 1,840 |
| Efficiency ratio | 62.2482% | 3,339 |
| Assets per employee ($millions) | 4.6246% | 3,053 |
| Cash dividends to net income (ytd only)* | 118.9954% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 3,823 |
| Loan loss allowance to noncurrent loans | 29.5605% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 326 |
| Noncurrent loans to loans | 3.1586% | 283 |
| Net loans and leases to total assets | 69.7447% | 2,442 |
| Net loans and leases to deposits | 79.1399% | 2,891 |
| Net loans and leases to core deposits | 81.0302% | 3,209 |
| Total domestic deposits to total assets | 88.1284% | 1,071 |
| Equity capital to assets | 10.9794% | 3,013 |
| Core capital (leverage) ratio | 11.2547% | 2,289 |
| Tier 1 risk-based capital ratio | 15.6835% | 2,509 |
| Total risk-based capital ratio | 16.6235% | 2,560 |
| Memoranda: | ||
| Average total assets | $228,869,000 | 2,585 |
| Average earning assets | $210,342,600 | 2,600 |
| Average equity | $26,482,200 | 2,594 |
| Average total loans | $159,455,000 | 2,517 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 1,178 |
| Cost of funding earning assets | 0.6423% | 3,492 |
| Net interest margin | 4.4976% | 771 |
| Noninterest income to average assets | 1.0461% | 843 |
| Noninterest expense to average assets | 3.1785% | 1,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4812% | 1,239 |
| Return on assets (ROA) | 1.4748% | 1,316 |
| Pretax return on assets | 1.9940% | 697 |
| Return on Equity (ROE) | 12.5826% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.7456% | 1,120 |
| Net charge-offs to loans | 0.0639% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 45.1056% | 1,267 |
| Efficiency ratio | 61.3529% | 3,430 |
| Assets per employee ($millions) | 4.3111% | 3,469 |
| Cash dividends to net income (ytd only)* | 30.4950% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,571 |
| Loan loss allowance to noncurrent loans | 33.7646% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 399 |
| Noncurrent loans to loans | 2.9615% | 339 |
| Net loans and leases to total assets | 70.3087% | 2,424 |
| Net loans and leases to deposits | 81.2156% | 2,775 |
| Net loans and leases to core deposits | 83.3264% | 3,149 |
| Total domestic deposits to total assets | 86.5704% | 1,740 |
| Equity capital to assets | 12.3844% | 1,989 |
| Core capital (leverage) ratio | 12.2054% | 1,730 |
| Tier 1 risk-based capital ratio | 17.5654% | 1,927 |
| Total risk-based capital ratio | 18.5734% | 1,952 |
| Memoranda: | ||
| Average total assets | $228,278,250 | 2,615 |
| Average earning assets | $209,854,000 | 2,631 |
| Average equity | $26,755,750 | 2,595 |
| Average total loans | $158,620,750 | 2,550 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 1,201 |
| Cost of funding earning assets | 0.6769% | 3,291 |
| Net interest margin | 4.4295% | 888 |
| Noninterest income to average assets | 1.0242% | 834 |
| Noninterest expense to average assets | 3.1553% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4127% | 1,399 |
| Return on assets (ROA) | 1.4030% | 1,482 |
| Pretax return on assets | 1.9256% | 790 |
| Return on Equity (ROE) | 12.1953% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.4262% | 1,634 |
| Net charge-offs to loans | 0.1300% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 21.6019% | 1,729 |
| Efficiency ratio | 61.9528% | 3,440 |
| Assets per employee ($millions) | 4.5209% | 3,107 |
| Cash dividends to net income (ytd only)* | 39.1061% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,762 |
| Loan loss allowance to noncurrent loans | 493.6909% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 3,969 |
| Noncurrent loans to loans | 0.1974% | 3,846 |
| Net loans and leases to total assets | 68.9773% | 2,682 |
| Net loans and leases to deposits | 78.9844% | 3,061 |
| Net loans and leases to core deposits | 81.1838% | 3,325 |
| Total domestic deposits to total assets | 87.3304% | 1,419 |
| Equity capital to assets | 11.7025% | 2,446 |
| Core capital (leverage) ratio | 11.6972% | 2,024 |
| Tier 1 risk-based capital ratio | 17.0003% | 2,090 |
| Total risk-based capital ratio | 17.9869% | 2,112 |
| Memoranda: | ||
| Average total assets | $229,645,330 | 2,613 |
| Average earning assets | $210,949,330 | 2,629 |
| Average equity | $26,420,000 | 2,604 |
| Average total loans | $158,425,000 | 2,559 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 1,311 |
| Cost of funding earning assets | 0.6708% | 3,199 |
| Net interest margin | 4.3419% | 1,020 |
| Noninterest income to average assets | 0.9913% | 829 |
| Noninterest expense to average assets | 3.0229% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3840% | 1,422 |
| Return on assets (ROA) | 1.3840% | 1,456 |
| Pretax return on assets | 1.9565% | 692 |
| Return on Equity (ROE) | 12.1351% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.8503% | 1,720 |
| Net charge-offs to loans | 0.3102% | 484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.1885% | 2,044 |
| Efficiency ratio | 60.7080% | 3,717 |
| Assets per employee ($millions) | 4.7051% | 2,907 |
| Cash dividends to net income (ytd only)* | 35.3090% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,770 |
| Loan loss allowance to noncurrent loans | 461.4925% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 3,930 |
| Noncurrent loans to loans | 0.2147% | 3,822 |
| Net loans and leases to total assets | 67.0109% | 2,895 |
| Net loans and leases to deposits | 76.5150% | 3,214 |
| Net loans and leases to core deposits | 78.6312% | 3,476 |
| Total domestic deposits to total assets | 87.5788% | 1,530 |
| Equity capital to assets | 11.4540% | 2,439 |
| Core capital (leverage) ratio | 11.6184% | 2,036 |
| Tier 1 risk-based capital ratio | 17.7447% | 1,873 |
| Total risk-based capital ratio | 18.7800% | 1,883 |
| Memoranda: | ||
| Average total assets | $229,184,500 | 2,650 |
| Average earning assets | $210,508,500 | 2,663 |
| Average equity | $26,139,000 | 2,630 |
| Average total loans | $157,335,500 | 2,600 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 1,009 |
| Cost of funding earning assets | 0.5199% | 3,227 |
| Net interest margin | 4.4996% | 763 |
| Noninterest income to average assets | 1.0870% | 786 |
| Noninterest expense to average assets | 3.3184% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4474% | 1,285 |
| Return on assets (ROA) | 1.4452% | 1,280 |
| Pretax return on assets | 1.8935% | 730 |
| Return on Equity (ROE) | 12.7432% | 1,445 |
| Retained earnings to average equity (ytd only) | 9.3200% | 778 |
| Net charge-offs to loans | -0.0099% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6356% | 3,236 |
| Assets per employee ($millions) | 4.2189% | 3,586 |
| Cash dividends to net income (ytd only)* | 26.8628% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,372 |
| Loan loss allowance to noncurrent loans | 331.6103% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 3,483 |
| Noncurrent loans to loans | 0.3171% | 3,418 |
| Net loans and leases to total assets | 68.8983% | 2,746 |
| Net loans and leases to deposits | 78.5283% | 3,105 |
| Net loans and leases to core deposits | 80.7150% | 3,378 |
| Total domestic deposits to total assets | 87.7368% | 1,425 |
| Equity capital to assets | 11.3559% | 2,365 |
| Core capital (leverage) ratio | 11.8708% | 1,818 |
| Tier 1 risk-based capital ratio | 17.0311% | 2,055 |
| Total risk-based capital ratio | 18.1243% | 2,055 |
| Memoranda: | ||
| Average total assets | $216,369,200 | 2,716 |
| Average earning assets | $198,485,000 | 2,734 |
| Average equity | $24,538,600 | 2,674 |
| Average total loans | $161,127,400 | 2,514 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 865 |
| Cost of funding earning assets | 0.4771% | 3,349 |
| Net interest margin | 4.5622% | 647 |
| Noninterest income to average assets | 1.1353% | 729 |
| Noninterest expense to average assets | 3.3285% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4998% | 1,193 |
| Return on assets (ROA) | 1.5012% | 1,184 |
| Pretax return on assets | 1.9946% | 630 |
| Return on Equity (ROE) | 13.2418% | 1,345 |
| Retained earnings to average equity (ytd only) | 8.6149% | 1,370 |
| Net charge-offs to loans | -0.0074% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5513% | 3,419 |
| Assets per employee ($millions) | 4.1531% | 3,651 |
| Cash dividends to net income (ytd only)* | 34.9417% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,549 |
| Loan loss allowance to noncurrent loans | 232.9593% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 3,265 |
| Noncurrent loans to loans | 0.4452% | 3,058 |
| Net loans and leases to total assets | 73.3876% | 2,097 |
| Net loans and leases to deposits | 84.0363% | 2,595 |
| Net loans and leases to core deposits | 86.3946% | 2,965 |
| Total domestic deposits to total assets | 87.3284% | 1,586 |
| Equity capital to assets | 11.6108% | 2,170 |
| Core capital (leverage) ratio | 11.5974% | 2,086 |
| Tier 1 risk-based capital ratio | 16.4340% | 2,293 |
| Total risk-based capital ratio | 17.5145% | 2,292 |
| Memoranda: | ||
| Average total assets | $213,506,500 | 2,765 |
| Average earning assets | $195,895,250 | 2,775 |
| Average equity | $24,205,500 | 2,717 |
| Average total loans | $161,751,250 | 2,519 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 842 |
| Cost of funding earning assets | 0.4422% | 3,411 |
| Net interest margin | 4.5499% | 623 |
| Noninterest income to average assets | 1.0391% | 893 |
| Noninterest expense to average assets | 3.3617% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3776% | 1,512 |
| Return on assets (ROA) | 1.3776% | 1,516 |
| Pretax return on assets | 1.8478% | 877 |
| Return on Equity (ROE) | 12.2514% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.5683% | 1,814 |
| Net charge-offs to loans | -0.0333% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5307% | 3,241 |
| Assets per employee ($millions) | 4.0460% | 3,823 |
| Cash dividends to net income (ytd only)* | 38.2253% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,569 |
| Loan loss allowance to noncurrent loans | 198.4634% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,196 |
| Noncurrent loans to loans | 0.5258% | 2,845 |
| Net loans and leases to total assets | 72.8769% | 2,139 |
| Net loans and leases to deposits | 82.9982% | 2,655 |
| Net loans and leases to core deposits | 85.2782% | 2,985 |
| Total domestic deposits to total assets | 87.8054% | 1,470 |
| Equity capital to assets | 11.1899% | 2,463 |
| Core capital (leverage) ratio | 11.5228% | 2,051 |
| Tier 1 risk-based capital ratio | 15.9266% | 2,464 |
| Total risk-based capital ratio | 17.0135% | 2,474 |
| Memoranda: | ||
| Average total assets | $212,687,670 | 2,786 |
| Average earning assets | $194,951,330 | 2,801 |
| Average equity | $23,915,670 | 2,759 |
| Average total loans | $162,284,670 | 2,529 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 675 |
| Cost of funding earning assets | 0.3959% | 3,616 |
| Net interest margin | 4.6198% | 480 |
| Noninterest income to average assets | 0.9972% | 916 |
| Noninterest expense to average assets | 3.2871% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3995% | 1,344 |
| Return on assets (ROA) | 1.3995% | 1,348 |
| Pretax return on assets | 1.9372% | 665 |
| Return on Equity (ROE) | 12.4146% | 1,433 |
| Retained earnings to average equity (ytd only) | 2.9430% | 4,018 |
| Net charge-offs to loans | 0.0344% | 1,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 72.5714% | 750 |
| Efficiency ratio | 62.9197% | 3,646 |
| Assets per employee ($millions) | 3.9497% | 4,063 |
| Cash dividends to net income (ytd only)* | 76.2943% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,972 |
| Loan loss allowance to noncurrent loans | 195.0000% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 2,711 |
| Noncurrent loans to loans | 0.5120% | 2,983 |
| Net loans and leases to total assets | 76.1510% | 1,514 |
| Net loans and leases to deposits | 86.5039% | 2,103 |
| Net loans and leases to core deposits | 88.7341% | 2,569 |
| Total domestic deposits to total assets | 88.0319% | 1,600 |
| Equity capital to assets | 11.1152% | 2,467 |
| Core capital (leverage) ratio | 11.3981% | 2,089 |
| Tier 1 risk-based capital ratio | 14.4871% | 3,127 |
| Total risk-based capital ratio | 15.4812% | 3,183 |
| Memoranda: | ||
| Average total assets | $209,790,500 | 2,851 |
| Average earning assets | $191,957,000 | 2,861 |
| Average equity | $23,649,500 | 2,806 |
| Average total loans | $162,976,000 | 2,543 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 947 |
| Cost of funding earning assets | 0.2757% | 4,355 |
| Net interest margin | 4.5404% | 564 |
| Noninterest income to average assets | 1.0060% | 1,008 |
| Noninterest expense to average assets | 3.3855% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2664% | 1,308 |
| Return on assets (ROA) | 1.2664% | 1,331 |
| Pretax return on assets | 1.8118% | 771 |
| Return on Equity (ROE) | 11.4424% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.8427% | 1,144 |
| Net charge-offs to loans | -0.0013% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1399% | 3,416 |
| Assets per employee ($millions) | 3.9673% | 4,017 |
| Cash dividends to net income (ytd only)* | 40.1991% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,807 |
| Loan loss allowance to noncurrent loans | 202.6994% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,934 |
| Noncurrent loans to loans | 0.5034% | 3,014 |
| Net loans and leases to total assets | 77.6764% | 1,324 |
| Net loans and leases to deposits | 88.7769% | 1,926 |
| Net loans and leases to core deposits | 90.8454% | 2,478 |
| Total domestic deposits to total assets | 87.4962% | 1,764 |
| Equity capital to assets | 11.4359% | 2,247 |
| Core capital (leverage) ratio | 11.4452% | 1,977 |
| Tier 1 risk-based capital ratio | 14.7191% | 2,979 |
| Total risk-based capital ratio | 15.7451% | 3,014 |
| Memoranda: | ||
| Average total assets | $206,260,800 | 2,857 |
| Average earning assets | $190,400,600 | 2,858 |
| Average equity | $22,827,400 | 2,874 |
| Average total loans | $156,943,200 | 2,581 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 1,008 |
| Cost of funding earning assets | 0.2633% | 4,450 |
| Net interest margin | 4.4952% | 606 |
| Noninterest income to average assets | 1.0246% | 972 |
| Noninterest expense to average assets | 3.2361% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2425% | 1,538 |
| Return on assets (ROA) | 1.2425% | 1,564 |
| Pretax return on assets | 1.9497% | 606 |
| Return on Equity (ROE) | 11.3208% | 1,559 |
| Retained earnings to average equity (ytd only) | 5.9608% | 2,263 |
| Net charge-offs to loans | -0.0043% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4034% | 3,825 |
| Assets per employee ($millions) | 3.8510% | 4,231 |
| Cash dividends to net income (ytd only)* | 47.3464% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,795 |
| Loan loss allowance to noncurrent loans | 205.8458% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 3,138 |
| Noncurrent loans to loans | 0.5101% | 3,175 |
| Net loans and leases to total assets | 74.9981% | 1,763 |
| Net loans and leases to deposits | 85.4721% | 2,367 |
| Net loans and leases to core deposits | 87.4382% | 2,829 |
| Total domestic deposits to total assets | 87.7457% | 1,499 |
| Equity capital to assets | 11.1300% | 2,735 |
| Core capital (leverage) ratio | 11.1792% | 2,296 |
| Tier 1 risk-based capital ratio | 14.9973% | 2,919 |
| Total risk-based capital ratio | 16.0695% | 2,937 |
| Memoranda: | ||
| Average total assets | $206,251,750 | 2,880 |
| Average earning assets | $190,926,500 | 2,880 |
| Average equity | $22,636,250 | 2,912 |
| Average total loans | $155,705,000 | 2,613 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,019 |
| Cost of funding earning assets | 0.2486% | 4,553 |
| Net interest margin | 4.4712% | 605 |
| Noninterest income to average assets | 0.9646% | 1,100 |
| Noninterest expense to average assets | 3.2146% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2028% | 1,592 |
| Return on assets (ROA) | 1.2028% | 1,625 |
| Pretax return on assets | 1.8951% | 662 |
| Return on Equity (ROE) | 11.0119% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.6499% | 1,770 |
| Net charge-offs to loans | 0.0529% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.5366% | 1,114 |
| Efficiency ratio | 62.9115% | 3,833 |
| Assets per employee ($millions) | 4.0843% | 3,818 |
| Cash dividends to net income (ytd only)* | 39.6120% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 4,014 |
| Loan loss allowance to noncurrent loans | 206.2821% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 3,252 |
| Noncurrent loans to loans | 0.4956% | 3,268 |
| Net loans and leases to total assets | 74.7898% | 1,735 |
| Net loans and leases to deposits | 85.1091% | 2,339 |
| Net loans and leases to core deposits | 87.3266% | 2,765 |
| Total domestic deposits to total assets | 87.8752% | 1,523 |
| Equity capital to assets | 10.9865% | 2,821 |
| Core capital (leverage) ratio | 11.0940% | 2,319 |
| Tier 1 risk-based capital ratio | 14.8929% | 2,975 |
| Total risk-based capital ratio | 15.9401% | 2,991 |
| Memoranda: | ||
| Average total assets | $205,685,000 | 2,900 |
| Average earning assets | $190,687,330 | 2,905 |
| Average equity | $22,466,670 | 2,929 |
| Average total loans | $155,068,330 | 2,631 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 978 |
| Cost of funding earning assets | 0.2135% | 4,850 |
| Net interest margin | 4.4620% | 560 |
| Noninterest income to average assets | 0.9473% | 1,113 |
| Noninterest expense to average assets | 3.2137% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1665% | 1,609 |
| Return on assets (ROA) | 1.1665% | 1,651 |
| Pretax return on assets | 1.8652% | 697 |
| Return on Equity (ROE) | 10.7110% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.6790% | 2,500 |
| Net charge-offs to loans | 0.0962% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 25.7568% | 1,328 |
| Efficiency ratio | 63.2755% | 3,945 |
| Assets per employee ($millions) | 3.8177% | 4,320 |
| Cash dividends to net income (ytd only)* | 46.9799% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 4,064 |
| Loan loss allowance to noncurrent loans | 200.1241% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 3,274 |
| Noncurrent loans to loans | 0.5168% | 3,268 |
| Net loans and leases to total assets | 74.8735% | 1,604 |
| Net loans and leases to deposits | 85.1550% | 2,141 |
| Net loans and leases to core deposits | 87.3445% | 2,611 |
| Total domestic deposits to total assets | 87.9262% | 1,757 |
| Equity capital to assets | 10.8820% | 2,765 |
| Core capital (leverage) ratio | 11.0636% | 2,297 |
| Tier 1 risk-based capital ratio | 14.4688% | 3,222 |
| Total risk-based capital ratio | 15.5082% | 3,246 |
| Memoranda: | ||
| Average total assets | $204,377,000 | 2,942 |
| Average earning assets | $189,242,500 | 2,942 |
| Average equity | $22,257,500 | 2,962 |
| Average total loans | $153,904,000 | 2,650 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,179 |
| Cost of funding earning assets | 0.1979% | 5,031 |
| Net interest margin | 4.4473% | 692 |
| Noninterest income to average assets | 1.0999% | 944 |
| Noninterest expense to average assets | 3.3330% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1604% | 1,644 |
| Return on assets (ROA) | 1.1664% | 1,716 |
| Pretax return on assets | 1.8702% | 664 |
| Return on Equity (ROE) | 11.0628% | 1,559 |
| Retained earnings to average equity (ytd only) | 8.4265% | 728 |
| Net charge-offs to loans | -0.0198% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1724% | 3,912 |
| Assets per employee ($millions) | 3.9725% | 4,016 |
| Cash dividends to net income (ytd only)* | 23.8298% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,785 |
| Loan loss allowance to noncurrent loans | 186.0203% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 3,152 |
| Noncurrent loans to loans | 0.5842% | 3,095 |
| Net loans and leases to total assets | 74.1314% | 1,834 |
| Net loans and leases to deposits | 84.2097% | 2,389 |
| Net loans and leases to core deposits | 86.2099% | 2,830 |
| Total domestic deposits to total assets | 88.0319% | 1,613 |
| Equity capital to assets | 10.8990% | 2,713 |
| Core capital (leverage) ratio | 11.1026% | 2,254 |
| Tier 1 risk-based capital ratio | 14.5863% | 3,159 |
| Total risk-based capital ratio | 15.6735% | 3,160 |
| Memoranda: | ||
| Average total assets | $201,471,600 | 2,940 |
| Average earning assets | $185,460,200 | 2,948 |
| Average equity | $21,242,400 | 3,045 |
| Average total loans | $146,302,200 | 2,690 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,247 |
| Cost of funding earning assets | 0.1973% | 5,099 |
| Net interest margin | 4.4258% | 739 |
| Noninterest income to average assets | 1.0974% | 942 |
| Noninterest expense to average assets | 3.3102% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1464% | 1,823 |
| Return on assets (ROA) | 1.1544% | 1,888 |
| Pretax return on assets | 1.8728% | 753 |
| Return on Equity (ROE) | 11.0428% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.4929% | 1,407 |
| Net charge-offs to loans | -0.0359% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0220% | 3,928 |
| Assets per employee ($millions) | 3.6305% | 4,596 |
| Cash dividends to net income (ytd only)* | 32.1470% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,606 |
| Loan loss allowance to noncurrent loans | 185.8903% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 3,297 |
| Noncurrent loans to loans | 0.6135% | 3,177 |
| Net loans and leases to total assets | 72.0605% | 2,188 |
| Net loans and leases to deposits | 82.0189% | 2,730 |
| Net loans and leases to core deposits | 83.9978% | 3,121 |
| Total domestic deposits to total assets | 87.8585% | 1,474 |
| Equity capital to assets | 10.8485% | 3,204 |
| Core capital (leverage) ratio | 10.7117% | 2,774 |
| Tier 1 risk-based capital ratio | 14.7647% | 3,160 |
| Total risk-based capital ratio | 15.9032% | 3,154 |
| Memoranda: | ||
| Average total assets | $201,190,250 | 2,949 |
| Average earning assets | $185,152,500 | 2,969 |
| Average equity | $21,032,750 | 3,089 |
| Average total loans | $144,918,250 | 2,709 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,323 |
| Cost of funding earning assets | 0.1983% | 5,164 |
| Net interest margin | 4.3751% | 803 |
| Noninterest income to average assets | 1.0719% | 974 |
| Noninterest expense to average assets | 3.3060% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0886% | 1,999 |
| Return on assets (ROA) | 1.1007% | 2,080 |
| Pretax return on assets | 1.8097% | 865 |
| Return on Equity (ROE) | 10.6613% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.9720% | 1,176 |
| Net charge-offs to loans | -0.0111% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8638% | 3,867 |
| Assets per employee ($millions) | 3.5378% | 4,691 |
| Cash dividends to net income (ytd only)* | 25.2252% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,849 |
| Loan loss allowance to noncurrent loans | 236.7733% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 3,696 |
| Noncurrent loans to loans | 0.4724% | 3,669 |
| Net loans and leases to total assets | 71.4162% | 2,261 |
| Net loans and leases to deposits | 80.9582% | 2,820 |
| Net loans and leases to core deposits | 82.7620% | 3,199 |
| Total domestic deposits to total assets | 88.2136% | 1,310 |
| Equity capital to assets | 10.5839% | 3,549 |
| Core capital (leverage) ratio | 10.4775% | 2,998 |
| Tier 1 risk-based capital ratio | 14.4640% | 3,338 |
| Total risk-based capital ratio | 15.5767% | 3,343 |
| Memoranda: | ||
| Average total assets | $201,694,330 | 2,963 |
| Average earning assets | $185,550,670 | 2,980 |
| Average equity | $20,823,000 | 3,114 |
| Average total loans | $144,708,000 | 2,707 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,338 |
| Cost of funding earning assets | 0.2025% | 5,180 |
| Net interest margin | 4.3685% | 798 |
| Noninterest income to average assets | 1.0807% | 926 |
| Noninterest expense to average assets | 3.3652% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9852% | 2,346 |
| Return on assets (ROA) | 1.0094% | 2,348 |
| Pretax return on assets | 1.7748% | 886 |
| Return on Equity (ROE) | 9.9013% | 2,023 |
| Retained earnings to average equity (ytd only) | 4.4546% | 3,262 |
| Net charge-offs to loans | 0.0471% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 51.5294% | 870 |
| Efficiency ratio | 65.9541% | 3,811 |
| Assets per employee ($millions) | 3.4131% | 4,948 |
| Cash dividends to net income (ytd only)* | 55.0098% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 4,000 |
| Loan loss allowance to noncurrent loans | 94.3529% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 2,537 |
| Noncurrent loans to loans | 1.1755% | 2,060 |
| Net loans and leases to total assets | 71.0231% | 2,189 |
| Net loans and leases to deposits | 80.3145% | 2,752 |
| Net loans and leases to core deposits | 82.5917% | 3,076 |
| Total domestic deposits to total assets | 88.4313% | 1,386 |
| Equity capital to assets | 10.2895% | 3,758 |
| Core capital (leverage) ratio | 10.1473% | 3,373 |
| Tier 1 risk-based capital ratio | 14.0549% | 3,655 |
| Total risk-based capital ratio | 15.1506% | 3,687 |
| Memoranda: | ||
| Average total assets | $201,713,500 | 2,973 |
| Average earning assets | $185,692,000 | 2,990 |
| Average equity | $20,563,000 | 3,144 |
| Average total loans | $144,240,000 | 2,727 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,141 |
| Cost of funding earning assets | 0.1690% | 5,544 |
| Net interest margin | 4.1534% | 1,273 |
| Noninterest income to average assets | 1.2018% | 829 |
| Noninterest expense to average assets | 3.3817% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1128% | 1,864 |
| Return on assets (ROA) | 1.1059% | 1,964 |
| Pretax return on assets | 1.6399% | 1,136 |
| Return on Equity (ROE) | 11.0682% | 1,591 |
| Retained earnings to average equity (ytd only) | 1.4715% | 4,888 |
| Net charge-offs to loans | -0.5429% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2041% | 3,713 |
| Assets per employee ($millions) | 3.4837% | 4,858 |
| Cash dividends to net income (ytd only)* | 86.7052% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,888 |
| Loan loss allowance to noncurrent loans | 93.2681% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 2,502 |
| Noncurrent loans to loans | 1.2082% | 1,953 |
| Net loans and leases to total assets | 70.3939% | 2,307 |
| Net loans and leases to deposits | 79.3992% | 2,894 |
| Net loans and leases to core deposits | 82.4355% | 3,100 |
| Total domestic deposits to total assets | 88.6581% | 1,303 |
| Equity capital to assets | 10.0992% | 3,859 |
| Core capital (leverage) ratio | 9.9423% | 3,593 |
| Tier 1 risk-based capital ratio | 14.1768% | 3,621 |
| Total risk-based capital ratio | 15.3063% | 3,605 |
| Memoranda: | ||
| Average total assets | $203,362,000 | 2,910 |
| Average earning assets | $187,533,800 | 2,919 |
| Average equity | $20,319,400 | 3,142 |
| Average total loans | $128,569,800 | 2,907 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,395 |
| Cost of funding earning assets | 0.1695% | 5,635 |
| Net interest margin | 4.0818% | 1,452 |
| Noninterest income to average assets | 1.2627% | 759 |
| Noninterest expense to average assets | 3.2506% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1490% | 1,834 |
| Return on assets (ROA) | 1.1396% | 1,934 |
| Pretax return on assets | 1.7647% | 965 |
| Return on Equity (ROE) | 11.4361% | 1,560 |
| Retained earnings to average equity (ytd only) | -1.3729% | 5,797 |
| Net charge-offs to loans | -0.7054% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6278% | 4,134 |
| Assets per employee ($millions) | 3.5338% | 4,737 |
| Cash dividends to net income (ytd only)* | 112.0046% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,973 |
| Loan loss allowance to noncurrent loans | 87.4586% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 2,670 |
| Noncurrent loans to loans | 1.3079% | 1,950 |
| Net loans and leases to total assets | 66.7468% | 2,889 |
| Net loans and leases to deposits | 75.6159% | 3,348 |
| Net loans and leases to core deposits | 78.4581% | 3,563 |
| Total domestic deposits to total assets | 88.2709% | 1,414 |
| Equity capital to assets | 9.7423% | 4,467 |
| Core capital (leverage) ratio | 9.6509% | 4,104 |
| Tier 1 risk-based capital ratio | 14.2588% | 3,696 |
| Total risk-based capital ratio | 15.3966% | 3,701 |
| Memoranda: | ||
| Average total assets | $203,688,500 | 2,935 |
| Average earning assets | $187,984,500 | 2,938 |
| Average equity | $20,297,750 | 3,175 |
| Average total loans | $124,748,250 | 2,999 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 2,650 |
| Cost of funding earning assets | 0.1698% | 5,694 |
| Net interest margin | 4.0005% | 1,633 |
| Noninterest income to average assets | 0.9800% | 1,219 |
| Noninterest expense to average assets | 3.2411% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9305% | 2,731 |
| Return on assets (ROA) | 0.9170% | 2,924 |
| Pretax return on assets | 1.4041% | 1,963 |
| Return on Equity (ROE) | 9.1338% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.8798% | 1,751 |
| Net charge-offs to loans | -0.0732% | 5,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4644% | 3,423 |
| Assets per employee ($millions) | 3.6417% | 4,551 |
| Cash dividends to net income (ytd only)* | 24.6781% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 5,722 |
| Loan loss allowance to noncurrent loans | 111.0218% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 4,231 |
| Noncurrent loans to loans | 0.6706% | 3,468 |
| Net loans and leases to total assets | 62.1018% | 3,534 |
| Net loans and leases to deposits | 70.3345% | 3,894 |
| Net loans and leases to core deposits | 72.9350% | 4,046 |
| Total domestic deposits to total assets | 88.2949% | 1,498 |
| Equity capital to assets | 10.0040% | 4,037 |
| Core capital (leverage) ratio | 10.0808% | 3,492 |
| Tier 1 risk-based capital ratio | 15.7972% | 2,957 |
| Total risk-based capital ratio | 16.5334% | 3,148 |
| Memoranda: | ||
| Average total assets | $203,264,330 | 2,961 |
| Average earning assets | $187,275,000 | 2,958 |
| Average equity | $20,407,670 | 3,173 |
| Average total loans | $120,201,670 | 3,081 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,918 |
| Cost of funding earning assets | 0.1731% | 5,747 |
| Net interest margin | 3.9056% | 1,881 |
| Noninterest income to average assets | 1.0124% | 1,093 |
| Noninterest expense to average assets | 3.2401% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8948% | 2,764 |
| Return on assets (ROA) | 0.8672% | 3,032 |
| Pretax return on assets | 1.3207% | 2,197 |
| Return on Equity (ROE) | 8.6215% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.0735% | 3,560 |
| Net charge-offs to loans | 0.0139% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 171.2500% | 320 |
| Efficiency ratio | 70.3976% | 3,411 |
| Assets per employee ($millions) | 3.4613% | 4,969 |
| Cash dividends to net income (ytd only)* | 52.7523% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 5,718 |
| Loan loss allowance to noncurrent loans | 87.9426% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 3,975 |
| Noncurrent loans to loans | 0.8996% | 2,986 |
| Net loans and leases to total assets | 56.4315% | 4,156 |
| Net loans and leases to deposits | 63.6455% | 4,406 |
| Net loans and leases to core deposits | 65.9270% | 4,523 |
| Total domestic deposits to total assets | 88.6653% | 1,466 |
| Equity capital to assets | 10.0023% | 4,145 |
| Core capital (leverage) ratio | 10.1309% | 3,426 |
| Tier 1 risk-based capital ratio | 16.7748% | 2,571 |
| Total risk-based capital ratio | 17.5359% | 2,726 |
| Memoranda: | ||
| Average total assets | $201,108,000 | 3,000 |
| Average earning assets | $184,864,000 | 2,999 |
| Average equity | $20,228,500 | 3,216 |
| Average total loans | $115,364,500 | 3,170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,120 |
| Cost of funding earning assets | 0.1945% | 5,790 |
| Net interest margin | 3.9561% | 2,024 |
| Noninterest income to average assets | 1.0493% | 1,109 |
| Noninterest expense to average assets | 3.4364% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8326% | 3,206 |
| Return on assets (ROA) | 0.8153% | 3,387 |
| Pretax return on assets | 1.2142% | 2,598 |
| Return on Equity (ROE) | 8.2915% | 2,975 |
| Retained earnings to average equity (ytd only) | 5.3565% | 2,365 |
| Net charge-offs to loans | 1.5135% | 159 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.4671% | 4,413 |
| Efficiency ratio | 73.4847% | 2,933 |
| Assets per employee ($millions) | 3.3560% | 5,147 |
| Cash dividends to net income (ytd only)* | 35.3982% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 5,758 |
| Loan loss allowance to noncurrent loans | 73.5458% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 3,582 |
| Noncurrent loans to loans | 1.0954% | 2,639 |
| Net loans and leases to total assets | 57.3964% | 4,136 |
| Net loans and leases to deposits | 64.9498% | 4,436 |
| Net loans and leases to core deposits | 67.1556% | 4,584 |
| Total domestic deposits to total assets | 88.3703% | 1,584 |
| Equity capital to assets | 10.1166% | 3,966 |
| Core capital (leverage) ratio | 10.1153% | 3,415 |
| Tier 1 risk-based capital ratio | 17.2381% | 2,405 |
| Total risk-based capital ratio | 18.0317% | 2,557 |
| Memoranda: | ||
| Average total assets | $194,040,600 | 3,060 |
| Average earning assets | $177,902,600 | 3,069 |
| Average equity | $19,079,800 | 3,279 |
| Average total loans | $108,359,000 | 3,257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 3,194 |
| Cost of funding earning assets | 0.1979% | 5,850 |
| Net interest margin | 3.9463% | 2,051 |
| Noninterest income to average assets | 1.0470% | 1,122 |
| Noninterest expense to average assets | 3.4153% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8424% | 3,221 |
| Return on assets (ROA) | 0.8309% | 3,369 |
| Pretax return on assets | 1.2363% | 2,633 |
| Return on Equity (ROE) | 8.5127% | 2,942 |
| Retained earnings to average equity (ytd only) | 4.5500% | 3,407 |
| Net charge-offs to loans | 2.0560% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.1020% | 4,230 |
| Efficiency ratio | 73.1509% | 2,966 |
| Assets per employee ($millions) | 3.2463% | 5,338 |
| Cash dividends to net income (ytd only)* | 46.5504% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 5,780 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 3,621 |
| Noncurrent loans to loans | 1.2536% | 2,546 |
| Net loans and leases to total assets | 54.8845% | 4,475 |
| Net loans and leases to deposits | 61.7472% | 4,766 |
| Net loans and leases to core deposits | 63.8242% | 4,893 |
| Total domestic deposits to total assets | 88.8857% | 1,310 |
| Equity capital to assets | 9.8654% | 4,335 |
| Core capital (leverage) ratio | 10.0388% | 3,624 |
| Tier 1 risk-based capital ratio | 17.4671% | 2,407 |
| Total risk-based capital ratio | 18.2806% | 2,562 |
| Memoranda: | ||
| Average total assets | $193,050,250 | 3,091 |
| Average earning assets | $177,174,250 | 3,102 |
| Average equity | $18,842,000 | 3,323 |
| Average total loans | $106,806,500 | 3,311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,125 |
| Cost of funding earning assets | 0.2005% | 5,907 |
| Net interest margin | 3.9548% | 1,945 |
| Noninterest income to average assets | 1.0199% | 1,146 |
| Noninterest expense to average assets | 3.3962% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8420% | 3,121 |
| Return on assets (ROA) | 0.8266% | 3,294 |
| Pretax return on assets | 1.2278% | 2,544 |
| Return on Equity (ROE) | 8.5005% | 2,834 |
| Retained earnings to average equity (ytd only) | 5.4915% | 2,642 |
| Net charge-offs to loans | 3.1169% | 49 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7255% | 3,987 |
| Efficiency ratio | 73.0830% | 3,141 |
| Assets per employee ($millions) | 3.2233% | 5,387 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 5,884 |
| Loan loss allowance to noncurrent loans | 60.1846% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 3,567 |
| Noncurrent loans to loans | 1.4013% | 2,457 |
| Net loans and leases to total assets | 55.5036% | 4,345 |
| Net loans and leases to deposits | 62.5038% | 4,640 |
| Net loans and leases to core deposits | 64.6534% | 4,758 |
| Total domestic deposits to total assets | 88.8004% | 1,471 |
| Equity capital to assets | 9.9990% | 4,109 |
| Core capital (leverage) ratio | 10.1167% | 3,449 |
| Tier 1 risk-based capital ratio | 17.4059% | 2,460 |
| Total risk-based capital ratio | 18.2194% | 2,593 |
| Memoranda: | ||
| Average total assets | $191,392,000 | 3,133 |
| Average earning assets | $175,534,670 | 3,137 |
| Average equity | $18,610,670 | 3,345 |
| Average total loans | $105,875,000 | 3,337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,409 |
| Cost of funding earning assets | 0.2017% | 5,977 |
| Net interest margin | 3.8653% | 2,211 |
| Noninterest income to average assets | 0.9580% | 1,236 |
| Noninterest expense to average assets | 3.2712% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8285% | 3,012 |
| Return on assets (ROA) | 0.8299% | 3,077 |
| Pretax return on assets | 1.2312% | 2,343 |
| Return on Equity (ROE) | 8.6590% | 2,617 |
| Retained earnings to average equity (ytd only) | 2.5210% | 4,560 |
| Net charge-offs to loans | -0.0191% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6891% | 3,363 |
| Assets per employee ($millions) | 3.1960% | 5,529 |
| Cash dividends to net income (ytd only)* | 70.8861% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4319% | 873 |
| Loan loss allowance to noncurrent loans | 73.5606% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.8278% | 1,907 |
| Noncurrent loans to loans | 3.3060% | 922 |
| Net loans and leases to total assets | 53.7265% | 4,459 |
| Net loans and leases to deposits | 60.2843% | 4,734 |
| Net loans and leases to core deposits | 62.2403% | 4,856 |
| Total domestic deposits to total assets | 89.1219% | 1,574 |
| Equity capital to assets | 9.6427% | 4,304 |
| Core capital (leverage) ratio | 10.0362% | 3,516 |
| Tier 1 risk-based capital ratio | 17.4368% | 2,494 |
| Total risk-based capital ratio | 18.7003% | 2,463 |
| Memoranda: | ||
| Average total assets | $190,388,000 | 3,164 |
| Average earning assets | $174,476,500 | 3,168 |
| Average equity | $18,247,000 | 3,394 |
| Average total loans | $104,684,000 | 3,375 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,761 |
| Cost of funding earning assets | 0.2264% | 6,132 |
| Net interest margin | 3.8681% | 2,404 |
| Noninterest income to average assets | 1.1241% | 1,114 |
| Noninterest expense to average assets | 3.3939% | 1,895 |
| Loan and lease loss provision to assets | 0.7258% | 310 |
| Net operating income to assets | 0.3945% | 5,168 |
| Return on assets (ROA) | 0.4278% | 5,160 |
| Pretax return on assets | 0.5859% | 4,912 |
| Return on Equity (ROE) | 4.2604% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.7655% | 4,273 |
| Net charge-offs to loans | 0.0493% | 4,531 |
| Credit loss provision to net charge-offs | 2,880.8511% | 80 |
| Earnings coverage of net charge-offs (x) | 50.2553% | 790 |
| Efficiency ratio | 72.8287% | 3,325 |
| Assets per employee ($millions) | 3.2036% | 5,482 |
| Cash dividends to net income (ytd only)* | 35.0877% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4698% | 852 |
| Loan loss allowance to noncurrent loans | 71.6122% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 1,851 |
| Noncurrent loans to loans | 3.4489% | 923 |
| Net loans and leases to total assets | 53.5463% | 4,647 |
| Net loans and leases to deposits | 59.9344% | 4,941 |
| Net loans and leases to core deposits | 61.8965% | 5,070 |
| Total domestic deposits to total assets | 89.3415% | 1,411 |
| Equity capital to assets | 9.5247% | 4,394 |
| Core capital (leverage) ratio | 9.9636% | 3,623 |
| Tier 1 risk-based capital ratio | 17.5344% | 2,398 |
| Total risk-based capital ratio | 18.7980% | 2,371 |
| Memoranda: | ||
| Average total assets | $186,542,200 | 3,206 |
| Average earning assets | $170,524,800 | 3,216 |
| Average equity | $18,730,800 | 3,307 |
| Average total loans | $95,355,200 | 3,568 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,780 |
| Cost of funding earning assets | 0.2307% | 6,221 |
| Net interest margin | 3.8646% | 2,396 |
| Noninterest income to average assets | 1.1460% | 1,112 |
| Noninterest expense to average assets | 3.3726% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8674% | 3,006 |
| Return on assets (ROA) | 0.9086% | 2,896 |
| Pretax return on assets | 1.3668% | 2,052 |
| Return on Equity (ROE) | 8.9320% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.9581% | 1,896 |
| Net charge-offs to loans | 0.0243% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 106.9815% | 473 |
| Efficiency ratio | 72.1098% | 3,384 |
| Assets per employee ($millions) | 3.0943% | 5,687 |
| Cash dividends to net income (ytd only)* | 22.0992% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 4,686 |
| Loan loss allowance to noncurrent loans | 71.4533% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 3,677 |
| Noncurrent loans to loans | 1.7386% | 2,582 |
| Net loans and leases to total assets | 53.0527% | 4,746 |
| Net loans and leases to deposits | 59.8332% | 4,992 |
| Net loans and leases to core deposits | 61.8376% | 5,133 |
| Total domestic deposits to total assets | 88.6677% | 1,739 |
| Equity capital to assets | 10.0256% | 3,866 |
| Core capital (leverage) ratio | 10.3736% | 3,142 |
| Tier 1 risk-based capital ratio | 18.2403% | 2,232 |
| Total risk-based capital ratio | 19.3995% | 2,230 |
| Memoranda: | ||
| Average total assets | $185,924,250 | 3,242 |
| Average earning assets | $169,881,500 | 3,241 |
| Average equity | $18,912,750 | 3,320 |
| Average total loans | $93,250,750 | 3,638 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,862 |
| Cost of funding earning assets | 0.2346% | 6,275 |
| Net interest margin | 3.8300% | 2,446 |
| Noninterest income to average assets | 1.0720% | 1,334 |
| Noninterest expense to average assets | 3.3997% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7781% | 3,416 |
| Return on assets (ROA) | 0.8408% | 3,252 |
| Pretax return on assets | 1.2590% | 2,452 |
| Return on Equity (ROE) | 8.2261% | 2,976 |
| Retained earnings to average equity (ytd only) | 8.2261% | 1,395 |
| Net charge-offs to loans | 0.0220% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 108.4000% | 437 |
| Efficiency ratio | 74.4701% | 3,034 |
| Assets per employee ($millions) | 3.1683% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,430 |
| Loan loss allowance to noncurrent loans | 109.1068% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 4,029 |
| Noncurrent loans to loans | 1.2055% | 3,542 |
| Net loans and leases to total assets | 50.0123% | 5,109 |
| Net loans and leases to deposits | 56.3088% | 5,299 |
| Net loans and leases to core deposits | 58.0821% | 5,416 |
| Total domestic deposits to total assets | 88.8179% | 1,723 |
| Equity capital to assets | 10.0266% | 3,882 |
| Core capital (leverage) ratio | 10.2660% | 3,143 |
| Tier 1 risk-based capital ratio | 18.7706% | 2,054 |
| Total risk-based capital ratio | 19.9831% | 2,037 |
| Memoranda: | ||
| Average total assets | $186,014,000 | 3,256 |
| Average earning assets | $169,661,330 | 3,258 |
| Average equity | $19,012,670 | 3,329 |
| Average total loans | $91,089,670 | 3,698 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,837 |
| Cost of funding earning assets | 0.2416% | 6,339 |
| Net interest margin | 3.8300% | 2,348 |
| Noninterest income to average assets | 1.1167% | 1,195 |
| Noninterest expense to average assets | 3.2896% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8678% | 2,817 |
| Return on assets (ROA) | 0.9916% | 2,381 |
| Pretax return on assets | 1.5004% | 1,550 |
| Return on Equity (ROE) | 9.6096% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.6096% | 1,213 |
| Net charge-offs to loans | 0.0314% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 434 |
| Efficiency ratio | 71.4754% | 3,720 |
| Assets per employee ($millions) | 3.1727% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 4,309 |
| Loan loss allowance to noncurrent loans | 115.6481% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 4,348 |
| Noncurrent loans to loans | 1.1982% | 3,771 |
| Net loans and leases to total assets | 46.6923% | 5,363 |
| Net loans and leases to deposits | 52.7925% | 5,545 |
| Net loans and leases to core deposits | 54.5094% | 5,637 |
| Total domestic deposits to total assets | 88.4450% | 2,041 |
| Equity capital to assets | 10.1377% | 3,968 |
| Core capital (leverage) ratio | 10.2220% | 3,120 |
| Tier 1 risk-based capital ratio | 19.1169% | 2,009 |
| Total risk-based capital ratio | 20.3556% | 1,986 |
| Memoranda: | ||
| Average total assets | $185,555,000 | 3,290 |
| Average earning assets | $168,879,000 | 3,293 |
| Average equity | $19,147,500 | 3,355 |
| Average total loans | $89,267,000 | 3,765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 3,733 |
| Cost of funding earning assets | 0.3012% | 6,443 |
| Net interest margin | 4.1191% | 1,923 |
| Noninterest income to average assets | 1.2285% | 1,030 |
| Noninterest expense to average assets | 3.7527% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8253% | 3,155 |
| Return on assets (ROA) | 0.8590% | 3,248 |
| Pretax return on assets | 1.2515% | 2,598 |
| Return on Equity (ROE) | 8.2674% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.7344% | 3,586 |
| Net charge-offs to loans | 0.4475% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.6152% | 2,992 |
| Efficiency ratio | 75.7298% | 2,793 |
| Assets per employee ($millions) | 3.0125% | 6,001 |
| Cash dividends to net income (ytd only)* | 54.8303% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 4,064 |
| Loan loss allowance to noncurrent loans | 82.7404% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 3,987 |
| Noncurrent loans to loans | 1.7172% | 3,035 |
| Net loans and leases to total assets | 48.2133% | 5,392 |
| Net loans and leases to deposits | 54.8178% | 5,568 |
| Net loans and leases to core deposits | 56.6111% | 5,666 |
| Total domestic deposits to total assets | 87.9519% | 2,269 |
| Equity capital to assets | 10.5100% | 3,518 |
| Core capital (leverage) ratio | 10.5723% | 2,681 |
| Tier 1 risk-based capital ratio | 19.4260% | 1,837 |
| Total risk-based capital ratio | 20.6657% | 1,802 |
| Memoranda: | ||
| Average total assets | $178,352,200 | 3,333 |
| Average earning assets | $161,371,200 | 3,361 |
| Average equity | $18,530,600 | 3,398 |
| Average total loans | $85,356,400 | 3,867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 3,709 |
| Cost of funding earning assets | 0.3127% | 6,550 |
| Net interest margin | 4.1704% | 1,828 |
| Noninterest income to average assets | 1.1431% | 1,163 |
| Noninterest expense to average assets | 3.7902% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7752% | 3,573 |
| Return on assets (ROA) | 0.8176% | 3,602 |
| Pretax return on assets | 1.1859% | 3,036 |
| Return on Equity (ROE) | 7.8924% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.8376% | 4,189 |
| Net charge-offs to loans | 0.6068% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.8935% | 3,471 |
| Efficiency ratio | 77.1215% | 2,503 |
| Assets per employee ($millions) | 2.7851% | 6,373 |
| Cash dividends to net income (ytd only)* | 51.3762% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 4,273 |
| Loan loss allowance to noncurrent loans | 53.2965% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7269% | 3,016 |
| Noncurrent loans to loans | 2.6693% | 2,121 |
| Net loans and leases to total assets | 49.4834% | 5,373 |
| Net loans and leases to deposits | 56.3726% | 5,601 |
| Net loans and leases to core deposits | 58.2723% | 5,714 |
| Total domestic deposits to total assets | 87.7791% | 2,186 |
| Equity capital to assets | 10.7659% | 3,535 |
| Core capital (leverage) ratio | 10.2352% | 3,247 |
| Tier 1 risk-based capital ratio | 19.4793% | 1,885 |
| Total risk-based capital ratio | 20.7216% | 1,860 |
| Memoranda: | ||
| Average total assets | $177,752,500 | 3,384 |
| Average earning assets | $160,746,750 | 3,408 |
| Average equity | $18,414,000 | 3,448 |
| Average total loans | $84,595,000 | 3,936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 3,900 |
| Cost of funding earning assets | 0.3231% | 6,632 |
| Net interest margin | 4.1478% | 1,916 |
| Noninterest income to average assets | 1.1842% | 1,016 |
| Noninterest expense to average assets | 3.8921% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7211% | 3,748 |
| Return on assets (ROA) | 0.7383% | 3,934 |
| Pretax return on assets | 1.0565% | 3,483 |
| Return on Equity (ROE) | 7.2198% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.1522% | 3,844 |
| Net charge-offs to loans | 0.8366% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.6390% | 3,688 |
| Efficiency ratio | 79.0444% | 2,316 |
| Assets per employee ($millions) | 2.9028% | 6,230 |
| Cash dividends to net income (ytd only)* | 42.4886% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,745 |
| Loan loss allowance to noncurrent loans | 99.0776% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 3,831 |
| Noncurrent loans to loans | 1.5743% | 3,545 |
| Net loans and leases to total assets | 45.2002% | 5,903 |
| Net loans and leases to deposits | 51.1532% | 6,090 |
| Net loans and leases to core deposits | 52.7299% | 6,184 |
| Total domestic deposits to total assets | 88.3623% | 1,923 |
| Equity capital to assets | 10.2925% | 3,944 |
| Core capital (leverage) ratio | 10.1074% | 3,263 |
| Tier 1 risk-based capital ratio | 20.3096% | 1,638 |
| Total risk-based capital ratio | 21.5553% | 1,604 |
| Memoranda: | ||
| Average total assets | $178,516,330 | 3,378 |
| Average earning assets | $160,951,330 | 3,407 |
| Average equity | $18,255,330 | 3,464 |
| Average total loans | $83,434,330 | 4,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 3,650 |
| Cost of funding earning assets | 0.3379% | 6,690 |
| Net interest margin | 4.2281% | 1,679 |
| Noninterest income to average assets | 1.0169% | 1,381 |
| Noninterest expense to average assets | 3.7528% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7361% | 3,707 |
| Return on assets (ROA) | 0.7470% | 3,875 |
| Pretax return on assets | 1.0799% | 3,397 |
| Return on Equity (ROE) | 7.3285% | 3,592 |
| Retained earnings to average equity (ytd only) | 1.1478% | 5,629 |
| Net charge-offs to loans | 1.4123% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5980% | 3,527 |
| Efficiency ratio | 77.9075% | 2,513 |
| Assets per employee ($millions) | 2.9430% | 6,259 |
| Cash dividends to net income (ytd only)* | 84.3373% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,709 |
| Loan loss allowance to noncurrent loans | 95.1773% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.9894% | 2,910 |
| Noncurrent loans to loans | 1.6841% | 3,582 |
| Net loans and leases to total assets | 45.1503% | 5,880 |
| Net loans and leases to deposits | 50.7844% | 6,086 |
| Net loans and leases to core deposits | 52.3126% | 6,179 |
| Total domestic deposits to total assets | 88.9059% | 1,760 |
| Equity capital to assets | 9.8884% | 4,269 |
| Core capital (leverage) ratio | 10.0930% | 3,250 |
| Tier 1 risk-based capital ratio | 19.6119% | 1,807 |
| Total risk-based capital ratio | 20.8643% | 1,783 |
| Memoranda: | ||
| Average total assets | $177,787,000 | 3,412 |
| Average earning assets | $159,788,000 | 3,439 |
| Average equity | $18,121,000 | 3,482 |
| Average total loans | $83,832,500 | 4,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 3,422 |
| Cost of funding earning assets | 0.5037% | 6,514 |
| Net interest margin | 4.3833% | 1,439 |
| Noninterest income to average assets | 1.0549% | 1,206 |
| Noninterest expense to average assets | 3.9420% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6973% | 3,505 |
| Return on assets (ROA) | 0.7169% | 3,582 |
| Pretax return on assets | 1.0725% | 2,944 |
| Return on Equity (ROE) | 6.9698% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.3754% | 2,391 |
| Net charge-offs to loans | 0.2073% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 9.9497% | 1,907 |
| Efficiency ratio | 79.0741% | 2,434 |
| Assets per employee ($millions) | 2.7048% | 6,606 |
| Cash dividends to net income (ytd only)* | 22.8758% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 2,414 |
| Loan loss allowance to noncurrent loans | 58.7518% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.6619% | 2,288 |
| Noncurrent loans to loans | 3.3215% | 1,952 |
| Net loans and leases to total assets | 47.5432% | 5,871 |
| Net loans and leases to deposits | 53.7634% | 6,093 |
| Net loans and leases to core deposits | 55.4753% | 6,193 |
| Total domestic deposits to total assets | 88.4303% | 1,891 |
| Equity capital to assets | 10.5131% | 3,525 |
| Core capital (leverage) ratio | 10.4516% | 2,785 |
| Tier 1 risk-based capital ratio | 20.0583% | 1,629 |
| Total risk-based capital ratio | 21.3160% | 1,593 |
| Memoranda: | ||
| Average total assets | $170,723,400 | 3,478 |
| Average earning assets | $153,082,000 | 3,529 |
| Average equity | $17,561,600 | 3,495 |
| Average total loans | $86,349,800 | 3,956 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 3,431 |
| Cost of funding earning assets | 0.5475% | 6,523 |
| Net interest margin | 4.3815% | 1,452 |
| Noninterest income to average assets | 1.0721% | 1,170 |
| Noninterest expense to average assets | 3.8261% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7813% | 3,247 |
| Return on assets (ROA) | 0.7978% | 3,338 |
| Pretax return on assets | 1.2038% | 2,619 |
| Return on Equity (ROE) | 7.7996% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.6543% | 2,771 |
| Net charge-offs to loans | 0.3051% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.5577% | 2,341 |
| Efficiency ratio | 76.4485% | 2,776 |
| Assets per employee ($millions) | 2.7678% | 6,546 |
| Cash dividends to net income (ytd only)* | 27.5046% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 2,537 |
| Loan loss allowance to noncurrent loans | 58.9650% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.8461% | 2,276 |
| Noncurrent loans to loans | 3.2715% | 2,114 |
| Net loans and leases to total assets | 47.9353% | 5,963 |
| Net loans and leases to deposits | 54.5438% | 6,157 |
| Net loans and leases to core deposits | 56.3014% | 6,293 |
| Total domestic deposits to total assets | 87.8842% | 2,103 |
| Equity capital to assets | 10.5820% | 3,598 |
| Core capital (leverage) ratio | 10.2304% | 3,154 |
| Tier 1 risk-based capital ratio | 19.8041% | 1,733 |
| Total risk-based capital ratio | 21.0615% | 1,704 |
| Memoranda: | ||
| Average total assets | $170,127,250 | 3,516 |
| Average earning assets | $152,699,250 | 3,556 |
| Average equity | $17,402,250 | 3,525 |
| Average total loans | $86,952,500 | 3,970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 3,046 |
| Cost of funding earning assets | 0.5928% | 6,499 |
| Net interest margin | 4.4306% | 1,292 |
| Noninterest income to average assets | 1.0281% | 1,251 |
| Noninterest expense to average assets | 3.8683% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7517% | 3,280 |
| Return on assets (ROA) | 0.7758% | 3,306 |
| Pretax return on assets | 1.1707% | 2,593 |
| Return on Equity (ROE) | 7.6735% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.6735% | 1,592 |
| Net charge-offs to loans | 0.2341% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.3398% | 1,937 |
| Efficiency ratio | 77.3274% | 2,807 |
| Assets per employee ($millions) | 2.7978% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0214% | 2,310 |
| Loan loss allowance to noncurrent loans | 57.8858% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.9332% | 2,288 |
| Noncurrent loans to loans | 3.4920% | 2,024 |
| Net loans and leases to total assets | 47.8938% | 6,061 |
| Net loans and leases to deposits | 54.2989% | 6,288 |
| Net loans and leases to core deposits | 56.2599% | 6,394 |
| Total domestic deposits to total assets | 88.2040% | 2,010 |
| Equity capital to assets | 10.2960% | 3,754 |
| Core capital (leverage) ratio | 10.1595% | 3,080 |
| Tier 1 risk-based capital ratio | 18.9913% | 1,851 |
| Total risk-based capital ratio | 20.2492% | 1,811 |
| Memoranda: | ||
| Average total assets | $169,635,670 | 3,544 |
| Average earning assets | $152,169,670 | 3,594 |
| Average equity | $17,150,000 | 3,547 |
| Average total loans | $87,978,000 | 3,986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 2,286 |
| Cost of funding earning assets | 0.6336% | 6,462 |
| Net interest margin | 4.5499% | 961 |
| Noninterest income to average assets | 1.0160% | 1,278 |
| Noninterest expense to average assets | 3.7801% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8633% | 2,730 |
| Return on assets (ROA) | 0.8633% | 2,793 |
| Pretax return on assets | 1.3117% | 2,007 |
| Return on Equity (ROE) | 8.6216% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.6216% | 1,512 |
| Net charge-offs to loans | -0.6386% | 7,442 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2389% | 3,474 |
| Assets per employee ($millions) | 2.7803% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,874 |
| Loan loss allowance to noncurrent loans | 39.3180% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 3.7128% | 1,821 |
| Noncurrent loans to loans | 5.7012% | 1,139 |
| Net loans and leases to total assets | 49.5872% | 5,897 |
| Net loans and leases to deposits | 56.0457% | 6,117 |
| Net loans and leases to core deposits | 57.9199% | 6,262 |
| Total domestic deposits to total assets | 88.4764% | 2,096 |
| Equity capital to assets | 9.8401% | 3,974 |
| Core capital (leverage) ratio | 10.1655% | 2,956 |
| Tier 1 risk-based capital ratio | 18.2007% | 2,050 |
| Total risk-based capital ratio | 19.4607% | 2,011 |
| Memoranda: | ||
| Average total assets | $167,721,000 | 3,594 |
| Average earning assets | $150,243,500 | 3,635 |
| Average equity | $16,795,000 | 3,594 |
| Average total loans | $89,570,500 | 3,988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 2,424 |
| Cost of funding earning assets | 0.8347% | 6,421 |
| Net interest margin | 4.6281% | 952 |
| Noninterest income to average assets | 1.2403% | 976 |
| Noninterest expense to average assets | 4.0536% | 1,087 |
| Loan and lease loss provision to assets | 0.2492% | 4,805 |
| Net operating income to assets | 0.7123% | 3,184 |
| Return on assets (ROA) | 0.7166% | 3,293 |
| Pretax return on assets | 1.0767% | 2,674 |
| Return on Equity (ROE) | 7.2193% | 3,016 |
| Retained earnings to average equity (ytd only) | 2.4340% | 4,174 |
| Net charge-offs to loans | 0.4735% | 3,724 |
| Credit loss provision to net charge-offs | 89.8520% | 5,140 |
| Earnings coverage of net charge-offs (x) | 4.7569% | 2,815 |
| Efficiency ratio | 75.4420% | 3,127 |
| Assets per employee ($millions) | 2.5883% | 6,878 |
| Cash dividends to net income (ytd only)* | 66.2848% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 2,351 |
| Loan loss allowance to noncurrent loans | 30.7705% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 4.6889% | 1,404 |
| Noncurrent loans to loans | 6.4392% | 940 |
| Net loans and leases to total assets | 55.1234% | 5,469 |
| Net loans and leases to deposits | 62.6622% | 5,776 |
| Net loans and leases to core deposits | 65.0074% | 5,979 |
| Total domestic deposits to total assets | 87.9692% | 2,264 |
| Equity capital to assets | 10.1972% | 3,507 |
| Core capital (leverage) ratio | 10.1349% | 2,944 |
| Tier 1 risk-based capital ratio | 17.3174% | 2,223 |
| Total risk-based capital ratio | 18.5749% | 2,192 |
| Memoranda: | ||
| Average total assets | $170,516,400 | 3,525 |
| Average earning assets | $152,265,800 | 3,598 |
| Average equity | $16,926,800 | 3,606 |
| Average total loans | $99,898,200 | 3,793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5494% | 2,259 |
| Cost of funding earning assets | 0.8749% | 6,489 |
| Net interest margin | 4.6746% | 898 |
| Noninterest income to average assets | 1.1169% | 1,123 |
| Noninterest expense to average assets | 3.9547% | 1,112 |
| Loan and lease loss provision to assets | 0.3287% | 3,963 |
| Net operating income to assets | 0.6750% | 3,528 |
| Return on assets (ROA) | 0.6807% | 3,666 |
| Pretax return on assets | 1.0202% | 3,110 |
| Return on Equity (ROE) | 6.9012% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.5095% | 4,665 |
| Net charge-offs to loans | 0.5467% | 3,116 |
| Credit loss provision to net charge-offs | 101.6746% | 4,240 |
| Earnings coverage of net charge-offs (x) | 4.1459% | 3,176 |
| Efficiency ratio | 74.6859% | 3,201 |
| Assets per employee ($millions) | 2.5488% | 7,013 |
| Cash dividends to net income (ytd only)* | 63.6368% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 2,421 |
| Loan loss allowance to noncurrent loans | 31.4199% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 4.9676% | 1,299 |
| Noncurrent loans to loans | 6.1125% | 1,012 |
| Net loans and leases to total assets | 57.7050% | 5,298 |
| Net loans and leases to deposits | 65.8849% | 5,673 |
| Net loans and leases to core deposits | 68.3142% | 5,907 |
| Total domestic deposits to total assets | 87.5845% | 2,219 |
| Equity capital to assets | 10.4019% | 3,637 |
| Core capital (leverage) ratio | 10.1439% | 3,107 |
| Tier 1 risk-based capital ratio | 16.5531% | 2,541 |
| Total risk-based capital ratio | 17.8109% | 2,488 |
| Memoranda: | ||
| Average total assets | $172,379,250 | 3,535 |
| Average earning assets | $154,077,750 | 3,622 |
| Average equity | $17,001,500 | 3,637 |
| Average total loans | $101,946,750 | 3,802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 2,292 |
| Cost of funding earning assets | 0.9259% | 6,477 |
| Net interest margin | 4.6344% | 922 |
| Noninterest income to average assets | 1.1500% | 976 |
| Noninterest expense to average assets | 3.8656% | 1,238 |
| Loan and lease loss provision to assets | 0.4868% | 2,861 |
| Net operating income to assets | 0.6349% | 3,708 |
| Return on assets (ROA) | 0.6426% | 3,813 |
| Pretax return on assets | 0.9598% | 3,277 |
| Return on Equity (ROE) | 6.6295% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.3207% | 3,996 |
| Net charge-offs to loans | 0.8121% | 2,220 |
| Credit loss provision to net charge-offs | 101.1905% | 4,030 |
| Earnings coverage of net charge-offs (x) | 2.9833% | 3,508 |
| Efficiency ratio | 72.9257% | 3,670 |
| Assets per employee ($millions) | 2.5301% | 7,061 |
| Cash dividends to net income (ytd only)* | 49.9109% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,539 |
| Loan loss allowance to noncurrent loans | 28.7692% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 5.0885% | 1,253 |
| Noncurrent loans to loans | 6.4656% | 928 |
| Net loans and leases to total assets | 58.2011% | 5,381 |
| Net loans and leases to deposits | 66.1273% | 5,788 |
| Net loans and leases to core deposits | 68.3463% | 6,031 |
| Total domestic deposits to total assets | 88.0137% | 1,995 |
| Equity capital to assets | 10.1623% | 3,819 |
| Core capital (leverage) ratio | 9.6664% | 3,584 |
| Tier 1 risk-based capital ratio | 16.0544% | 2,647 |
| Total risk-based capital ratio | 17.3109% | 2,605 |
| Memoranda: | ||
| Average total assets | $174,615,000 | 3,527 |
| Average earning assets | $156,394,000 | 3,591 |
| Average equity | $16,924,330 | 3,645 |
| Average total loans | $103,438,000 | 3,791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6779% | 1,861 |
| Cost of funding earning assets | 0.9635% | 6,530 |
| Net interest margin | 4.7144% | 761 |
| Noninterest income to average assets | 1.0589% | 1,134 |
| Noninterest expense to average assets | 3.5041% | 1,975 |
| Loan and lease loss provision to assets | 0.2258% | 4,235 |
| Net operating income to assets | 1.0160% | 2,127 |
| Return on assets (ROA) | 1.0160% | 2,189 |
| Pretax return on assets | 1.5601% | 1,364 |
| Return on Equity (ROE) | 10.7315% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.0541% | 3,721 |
| Net charge-offs to loans | 0.8580% | 1,826 |
| Credit loss provision to net charge-offs | 44.4444% | 4,565 |
| Earnings coverage of net charge-offs (x) | 3.5156% | 2,885 |
| Efficiency ratio | 66.2399% | 5,066 |
| Assets per employee ($millions) | 2.7075% | 6,853 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,173 |
| Loan loss allowance to noncurrent loans | 26.4760% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 4.3623% | 1,559 |
| Noncurrent loans to loans | 6.3078% | 1,007 |
| Net loans and leases to total assets | 58.2143% | 5,394 |
| Net loans and leases to deposits | 65.4689% | 5,882 |
| Net loans and leases to core deposits | 67.6807% | 6,131 |
| Total domestic deposits to total assets | 88.9190% | 1,559 |
| Equity capital to assets | 9.6224% | 4,343 |
| Core capital (leverage) ratio | 9.5948% | 3,649 |
| Tier 1 risk-based capital ratio | 15.4224% | 2,905 |
| Total risk-based capital ratio | 16.6773% | 2,852 |
| Memoranda: | ||
| Average total assets | $177,163,000 | 3,539 |
| Average earning assets | $159,002,000 | 3,587 |
| Average equity | $16,773,000 | 3,702 |
| Average total loans | $104,891,000 | 3,799 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2417% | 1,139 |
| Cost of funding earning assets | 1.1796% | 6,733 |
| Net interest margin | 5.0621% | 402 |
| Noninterest income to average assets | 1.2185% | 1,028 |
| Noninterest expense to average assets | 4.0025% | 1,358 |
| Loan and lease loss provision to assets | 1.6774% | 1,366 |
| Net operating income to assets | 0.1547% | 5,039 |
| Return on assets (ROA) | 0.1624% | 5,085 |
| Pretax return on assets | 0.0959% | 5,232 |
| Return on Equity (ROE) | 1.6020% | 5,056 |
| Retained earnings to average equity (ytd only) | -1.6485% | 5,426 |
| Net charge-offs to loans | 1.8119% | 1,381 |
| Credit loss provision to net charge-offs | 148.6444% | 3,134 |
| Earnings coverage of net charge-offs (x) | 1.5647% | 4,570 |
| Efficiency ratio | 69.3900% | 4,752 |
| Assets per employee ($millions) | 2.8308% | 6,603 |
| Cash dividends to net income (ytd only)* | 202.8986% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 2,654 |
| Loan loss allowance to noncurrent loans | 28.2919% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 4.2733% | 1,532 |
| Noncurrent loans to loans | 6.2428% | 984 |
| Net loans and leases to total assets | 58.1631% | 5,641 |
| Net loans and leases to deposits | 65.2952% | 6,135 |
| Net loans and leases to core deposits | 72.7727% | 6,606 |
| Total domestic deposits to total assets | 89.0770% | 1,449 |
| Equity capital to assets | 9.3148% | 4,681 |
| Core capital (leverage) ratio | 9.7651% | 3,376 |
| Tier 1 risk-based capital ratio | 14.7530% | 3,074 |
| Total risk-based capital ratio | 16.0080% | 3,027 |
| Memoranda: | ||
| Average total assets | $169,968,000 | 3,614 |
| Average earning assets | $152,762,000 | 3,660 |
| Average equity | $17,228,200 | 3,628 |
| Average total loans | $105,854,400 | 3,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5276% | 708 |
| Cost of funding earning assets | 1.2462% | 6,741 |
| Net interest margin | 5.2814% | 262 |
| Noninterest income to average assets | 1.2160% | 1,040 |
| Noninterest expense to average assets | 3.9012% | 1,425 |
| Loan and lease loss provision to assets | 0.4329% | 3,740 |
| Net operating income to assets | 1.1097% | 1,712 |
| Return on assets (ROA) | 1.1167% | 1,748 |
| Pretax return on assets | 1.6417% | 1,089 |
| Return on Equity (ROE) | 10.7847% | 1,681 |
| Retained earnings to average equity (ytd only) | 6.4892% | 1,712 |
| Net charge-offs to loans | 0.2933% | 4,193 |
| Credit loss provision to net charge-offs | 233.9056% | 1,870 |
| Earnings coverage of net charge-offs (x) | 11.1545% | 1,881 |
| Efficiency ratio | 65.3974% | 5,476 |
| Assets per employee ($millions) | 2.5650% | 7,119 |
| Cash dividends to net income (ytd only)* | 39.8294% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,328 |
| Loan loss allowance to noncurrent loans | 47.8094% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.1466% | 3,164 |
| Noncurrent loans to loans | 2.4346% | 3,094 |
| Net loans and leases to total assets | 63.3559% | 5,005 |
| Net loans and leases to deposits | 72.6373% | 5,561 |
| Net loans and leases to core deposits | 81.2710% | 6,251 |
| Total domestic deposits to total assets | 87.2223% | 2,067 |
| Equity capital to assets | 10.7402% | 3,255 |
| Core capital (leverage) ratio | 10.4840% | 2,806 |
| Tier 1 risk-based capital ratio | 15.8772% | 2,674 |
| Total risk-based capital ratio | 17.0002% | 2,654 |
| Memoranda: | ||
| Average total assets | $167,875,000 | 3,667 |
| Average earning assets | $150,966,000 | 3,705 |
| Average equity | $17,382,250 | 3,631 |
| Average total loans | $105,919,750 | 3,823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5326% | 766 |
| Cost of funding earning assets | 1.3078% | 6,778 |
| Net interest margin | 5.2248% | 285 |
| Noninterest income to average assets | 1.2029% | 1,077 |
| Noninterest expense to average assets | 3.9416% | 1,412 |
| Loan and lease loss provision to assets | 0.1985% | 5,067 |
| Net operating income to assets | 1.1984% | 1,480 |
| Return on assets (ROA) | 1.2089% | 1,537 |
| Pretax return on assets | 1.7699% | 898 |
| Return on Equity (ROE) | 11.8205% | 1,475 |
| Retained earnings to average equity (ytd only) | 8.5661% | 1,051 |
| Net charge-offs to loans | 0.3636% | 3,366 |
| Credit loss provision to net charge-offs | 86.9792% | 5,009 |
| Earnings coverage of net charge-offs (x) | 8.5573% | 2,243 |
| Efficiency ratio | 66.8683% | 5,390 |
| Assets per employee ($millions) | 2.5018% | 7,242 |
| Cash dividends to net income (ytd only)* | 27.5320% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 6,936 |
| Loan loss allowance to noncurrent loans | 41.8744% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 3,395 |
| Noncurrent loans to loans | 2.0557% | 3,441 |
| Net loans and leases to total assets | 62.3197% | 5,303 |
| Net loans and leases to deposits | 71.3771% | 5,826 |
| Net loans and leases to core deposits | 78.2447% | 6,533 |
| Total domestic deposits to total assets | 87.3104% | 2,094 |
| Equity capital to assets | 10.4852% | 3,419 |
| Core capital (leverage) ratio | 10.4441% | 2,862 |
| Tier 1 risk-based capital ratio | 15.9618% | 2,638 |
| Total risk-based capital ratio | 16.7901% | 2,728 |
| Memoranda: | ||
| Average total assets | $168,257,330 | 3,673 |
| Average earning assets | $151,087,670 | 3,722 |
| Average equity | $17,207,330 | 3,677 |
| Average total loans | $105,601,000 | 3,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5415% | 801 |
| Cost of funding earning assets | 1.4019% | 6,728 |
| Net interest margin | 5.1396% | 313 |
| Noninterest income to average assets | 1.0962% | 1,241 |
| Noninterest expense to average assets | 3.6731% | 1,702 |
| Loan and lease loss provision to assets | 0.3963% | 2,949 |
| Net operating income to assets | 1.1318% | 1,861 |
| Return on assets (ROA) | 1.1318% | 1,981 |
| Pretax return on assets | 1.6372% | 1,320 |
| Return on Equity (ROE) | 11.2080% | 1,910 |
| Retained earnings to average equity (ytd only) | 4.6289% | 3,345 |
| Net charge-offs to loans | 0.5373% | 2,106 |
| Credit loss provision to net charge-offs | 117.6056% | 3,326 |
| Earnings coverage of net charge-offs (x) | 6.0352% | 2,557 |
| Efficiency ratio | 64.3659% | 5,616 |
| Assets per employee ($millions) | 2.6387% | 7,003 |
| Cash dividends to net income (ytd only)* | 58.7002% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 6,718 |
| Loan loss allowance to noncurrent loans | 22.7857% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 2.7765% | 2,040 |
| Noncurrent loans to loans | 3.9786% | 1,517 |
| Net loans and leases to total assets | 61.9420% | 5,340 |
| Net loans and leases to deposits | 70.4235% | 5,938 |
| Net loans and leases to core deposits | 77.5510% | 6,565 |
| Total domestic deposits to total assets | 87.9565% | 1,765 |
| Equity capital to assets | 10.0930% | 3,890 |
| Core capital (leverage) ratio | 10.1561% | 3,238 |
| Tier 1 risk-based capital ratio | 14.8661% | 3,129 |
| Total risk-based capital ratio | 15.7060% | 3,253 |
| Memoranda: | ||
| Average total assets | $168,577,000 | 3,674 |
| Average earning assets | $151,218,500 | 3,725 |
| Average equity | $17,023,500 | 3,731 |
| Average total loans | $105,718,500 | 3,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0234% | 1,074 |
| Cost of funding earning assets | 2.0936% | 6,081 |
| Net interest margin | 4.9298% | 597 |
| Noninterest income to average assets | 1.9623% | 357 |
| Noninterest expense to average assets | 3.8717% | 1,618 |
| Loan and lease loss provision to assets | 1.6517% | 790 |
| Net operating income to assets | 0.5717% | 4,435 |
| Return on assets (ROA) | 0.5771% | 4,274 |
| Pretax return on assets | 0.8610% | 3,849 |
| Return on Equity (ROE) | 5.6740% | 4,085 |
| Retained earnings to average equity (ytd only) | 2.0015% | 3,988 |
| Net charge-offs to loans | 2.2691% | 454 |
| Credit loss provision to net charge-offs | 110.3119% | 4,888 |
| Earnings coverage of net charge-offs (x) | 1.6728% | 5,249 |
| Efficiency ratio | 60.7206% | 6,218 |
| Assets per employee ($millions) | 2.5116% | 7,186 |
| Cash dividends to net income (ytd only)* | 64.7249% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 6,774 |
| Loan loss allowance to noncurrent loans | 31.3699% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 1.9522% | 2,515 |
| Noncurrent loans to loans | 2.8062% | 1,935 |
| Net loans and leases to total assets | 62.3628% | 5,565 |
| Net loans and leases to deposits | 70.9267% | 6,178 |
| Net loans and leases to core deposits | 78.2599% | 6,739 |
| Total domestic deposits to total assets | 87.9257% | 1,498 |
| Equity capital to assets | 10.1037% | 3,916 |
| Core capital (leverage) ratio | 10.3652% | 3,103 |
| Tier 1 risk-based capital ratio | 13.9689% | 3,560 |
| Total risk-based capital ratio | 14.7465% | 3,721 |
| Memoranda: | ||
| Average total assets | $160,626,400 | 3,709 |
| Average earning assets | $143,819,400 | 3,763 |
| Average equity | $16,337,600 | 3,860 |
| Average total loans | $105,989,400 | 3,795 |