Home > MCNB Bank and Trust Co. > Performance and Condition Ratios
MCNB Bank and Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 2,635 |
| Cost of funding earning assets | 1.9855% | 934 |
| Net interest margin | 2.7339% | 3,769 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.6758% | 1,804 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4047% | 3,858 |
| Return on assets (ROA) | 0.3978% | 3,866 |
| Pretax return on assets | 0.4958% | 3,819 |
| Return on Equity (ROE) | 4.0300% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.2040% | 3,535 |
| Net charge-offs to loans | 0.1792% | 597 |
| Credit loss provision to net charge-offs | 42.7083% | 2,225 |
| Earnings coverage of net charge-offs (x) | 4.0604% | 2,611 |
| Efficiency ratio | 83.1722% | 709 |
| Assets per employee ($millions) | 5.3048% | 3,391 |
| Cash dividends to net income (ytd only)* | 45.2514% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,161 |
| Loan loss allowance to noncurrent loans | 375.6065% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 1,766 |
| Noncurrent loans to loans | 0.2743% | 2,200 |
| Net loans and leases to total assets | 74.2200% | 1,324 |
| Net loans and leases to deposits | 91.0132% | 1,183 |
| Net loans and leases to core deposits | 97.1297% | 1,585 |
| Total domestic deposits to total assets | 81.5500% | 3,213 |
| Equity capital to assets | 10.1914% | 1,901 |
| Core capital (leverage) ratio | 11.6184% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $360,006,000 | 2,159 |
| Average earning assets | $334,873,200 | 2,153 |
| Average equity | $35,572,200 | 2,032 |
| Average total loans | $267,800,200 | 1,924 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 2,591 |
| Cost of funding earning assets | 1.8841% | 877 |
| Net interest margin | 2.7548% | 3,797 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.6531% | 1,788 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4642% | 3,837 |
| Return on assets (ROA) | 0.4432% | 3,885 |
| Pretax return on assets | 0.5514% | 3,822 |
| Return on Equity (ROE) | 4.5200% | 3,893 |
| Retained earnings to average equity (ytd only) | 2.6836% | 3,588 |
| Net charge-offs to loans | 0.2411% | 369 |
| Credit loss provision to net charge-offs | 4.7619% | 2,045 |
| Earnings coverage of net charge-offs (x) | 3.2754% | 2,440 |
| Efficiency ratio | 81.9035% | 738 |
| Assets per employee ($millions) | 5.2207% | 3,416 |
| Cash dividends to net income (ytd only)* | 40.6355% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 3,535 |
| Loan loss allowance to noncurrent loans | 302.2067% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 1,650 |
| Noncurrent loans to loans | 0.3172% | 2,094 |
| Net loans and leases to total assets | 74.6300% | 1,278 |
| Net loans and leases to deposits | 91.4587% | 1,100 |
| Net loans and leases to core deposits | 97.0981% | 1,499 |
| Total domestic deposits to total assets | 81.6000% | 3,297 |
| Equity capital to assets | 9.5748% | 2,057 |
| Core capital (leverage) ratio | 11.6867% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $359,826,500 | 2,164 |
| Average earning assets | $334,441,250 | 2,165 |
| Average equity | $35,274,500 | 2,034 |
| Average total loans | $267,118,500 | 1,925 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,498 |
| Cost of funding earning assets | 1.7988% | 737 |
| Net interest margin | 2.7637% | 3,882 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.6956% | 1,652 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.4989% | 3,812 |
| Return on assets (ROA) | 0.4826% | 3,853 |
| Pretax return on assets | 0.6189% | 3,762 |
| Return on Equity (ROE) | 4.8900% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.0617% | 3,463 |
| Net charge-offs to loans | 0.3613% | 232 |
| Credit loss provision to net charge-offs | -33.1250% | 4,517 |
| Earnings coverage of net charge-offs (x) | 2.0646% | 2,325 |
| Efficiency ratio | 83.0279% | 656 |
| Assets per employee ($millions) | 5.2795% | 3,339 |
| Cash dividends to net income (ytd only)* | 37.3272% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,775 |
| Loan loss allowance to noncurrent loans | 434.2294% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 1,578 |
| Noncurrent loans to loans | 0.2084% | 2,429 |
| Net loans and leases to total assets | 73.9200% | 1,302 |
| Net loans and leases to deposits | 88.5929% | 1,294 |
| Net loans and leases to core deposits | 93.2755% | 1,609 |
| Total domestic deposits to total assets | 83.4400% | 2,951 |
| Equity capital to assets | 9.9255% | 1,900 |
| Core capital (leverage) ratio | 11.5607% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $359,693,667 | 2,168 |
| Average earning assets | $334,113,333 | 2,170 |
| Average equity | $35,535,667 | 2,042 |
| Average total loans | $265,683,667 | 1,926 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 2,477 |
| Cost of funding earning assets | 1.7229% | 539 |
| Net interest margin | 2.7047% | 4,068 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.7830% | 1,472 |
| Loan and lease loss provision to assets | -0.1800% | 4,618 |
| Net operating income to assets | 0.4811% | 3,942 |
| Return on assets (ROA) | 0.4522% | 3,951 |
| Pretax return on assets | 0.5944% | 3,851 |
| Return on Equity (ROE) | 4.5900% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.7616% | 3,559 |
| Net charge-offs to loans | 0.7316% | 105 |
| Credit loss provision to net charge-offs | -32.8512% | 4,571 |
| Earnings coverage of net charge-offs (x) | 0.8450% | 1,993 |
| Efficiency ratio | 85.9643% | 510 |
| Assets per employee ($millions) | 5.3971% | 3,322 |
| Cash dividends to net income (ytd only)* | 39.8034% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 3,850 |
| Loan loss allowance to noncurrent loans | 414.9228% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,447 |
| Noncurrent loans to loans | 0.2170% | 2,391 |
| Net loans and leases to total assets | 73.6300% | 1,249 |
| Net loans and leases to deposits | 87.0162% | 1,288 |
| Net loans and leases to core deposits | 90.1819% | 1,605 |
| Total domestic deposits to total assets | 84.6200% | 2,948 |
| Equity capital to assets | 9.9780% | 1,832 |
| Core capital (leverage) ratio | 11.4598% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $360,037,500 | 2,197 |
| Average earning assets | $334,090,000 | 2,194 |
| Average equity | $35,487,000 | 2,063 |
| Average total loans | $264,624,000 | 1,952 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 1,547 |
| Cost of funding earning assets | 0.7613% | 453 |
| Net interest margin | 3.3062% | 2,551 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.7897% | 1,336 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.7510% | 3,479 |
| Return on assets (ROA) | 0.7284% | 3,481 |
| Pretax return on assets | 0.9204% | 3,295 |
| Return on Equity (ROE) | 7.2000% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.3803% | 2,881 |
| Net charge-offs to loans | 0.0700% | 946 |
| Credit loss provision to net charge-offs | 323.6994% | 880 |
| Earnings coverage of net charge-offs (x) | 22.5780% | 1,833 |
| Efficiency ratio | 71.5741% | 1,488 |
| Assets per employee ($millions) | 5.1210% | 3,577 |
| Cash dividends to net income (ytd only)* | 25.2336% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,481 |
| Loan loss allowance to noncurrent loans | 103.7761% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 391 |
| Noncurrent loans to loans | 1.1383% | 630 |
| Net loans and leases to total assets | 71.8300% | 1,436 |
| Net loans and leases to deposits | 84.5344% | 1,418 |
| Net loans and leases to core deposits | 86.5583% | 1,708 |
| Total domestic deposits to total assets | 84.9700% | 2,997 |
| Equity capital to assets | 9.7339% | 1,864 |
| Core capital (leverage) ratio | 11.4730% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $352,546,600 | 2,216 |
| Average earning assets | $322,850,600 | 2,226 |
| Average equity | $35,686,000 | 2,081 |
| Average total loans | $247,120,400 | 1,959 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 1,350 |
| Cost of funding earning assets | 0.5219% | 672 |
| Net interest margin | 3.4350% | 1,851 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.7645% | 1,314 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.7672% | 3,365 |
| Return on assets (ROA) | 0.7360% | 3,408 |
| Pretax return on assets | 0.9817% | 3,070 |
| Return on Equity (ROE) | 7.2000% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.3950% | 2,957 |
| Net charge-offs to loans | 0.0913% | 675 |
| Credit loss provision to net charge-offs | 149.7006% | 1,129 |
| Earnings coverage of net charge-offs (x) | 17.5988% | 1,783 |
| Efficiency ratio | 71.2370% | 1,614 |
| Assets per employee ($millions) | 5.2987% | 3,416 |
| Cash dividends to net income (ytd only)* | 25.0774% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,077 |
| Loan loss allowance to noncurrent loans | 88.7964% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 166 |
| Noncurrent loans to loans | 1.2251% | 598 |
| Net loans and leases to total assets | 71.0500% | 1,390 |
| Net loans and leases to deposits | 83.2053% | 1,354 |
| Net loans and leases to core deposits | 84.0889% | 1,646 |
| Total domestic deposits to total assets | 85.3900% | 3,200 |
| Equity capital to assets | 9.3729% | 1,969 |
| Core capital (leverage) ratio | 11.5998% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $351,065,750 | 2,236 |
| Average earning assets | $320,609,500 | 2,252 |
| Average equity | $35,884,250 | 2,109 |
| Average total loans | $243,756,750 | 1,978 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 1,142 |
| Cost of funding earning assets | 0.3836% | 1,030 |
| Net interest margin | 3.4985% | 1,316 |
| Noninterest income to average assets | 0.8446% | 953 |
| Noninterest expense to average assets | 2.7174% | 1,347 |
| Loan and lease loss provision to assets | 0.0086% | 2,436 |
| Net operating income to assets | 0.9834% | 2,216 |
| Return on assets (ROA) | 0.9504% | 2,331 |
| Pretax return on assets | 1.2683% | 1,845 |
| Return on Equity (ROE) | 9.0439% | 2,688 |
| Retained earnings to average equity (ytd only) | 7.2808% | 1,885 |
| Net charge-offs to loans | 0.0092% | 1,647 |
| Credit loss provision to net charge-offs | 136.3636% | 1,130 |
| Earnings coverage of net charge-offs (x) | 209.6364% | 527 |
| Efficiency ratio | 67.3279% | 2,336 |
| Assets per employee ($millions) | 5.0774% | 3,613 |
| Cash dividends to net income (ytd only)* | 19.4946% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,062 |
| Loan loss allowance to noncurrent loans | 77.1985% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 152 |
| Noncurrent loans to loans | 1.4557% | 515 |
| Net loans and leases to total assets | 67.6810% | 1,506 |
| Net loans and leases to deposits | 78.2518% | 1,522 |
| Net loans and leases to core deposits | 79.7308% | 1,734 |
| Total domestic deposits to total assets | 86.4914% | 3,115 |
| Equity capital to assets | 10.0426% | 1,695 |
| Core capital (leverage) ratio | 11.6508% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,750,333 | 2,251 |
| Average earning assets | $319,050,333 | 2,278 |
| Average equity | $36,754,000 | 2,125 |
| Average total loans | $240,010,333 | 1,994 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 1,068 |
| Cost of funding earning assets | 0.3191% | 1,475 |
| Net interest margin | 3.4910% | 1,107 |
| Noninterest income to average assets | 0.8184% | 999 |
| Noninterest expense to average assets | 2.7883% | 1,184 |
| Loan and lease loss provision to assets | 0.0858% | 968 |
| Net operating income to assets | 0.8706% | 2,414 |
| Return on assets (ROA) | 0.8299% | 2,551 |
| Pretax return on assets | 1.0737% | 2,222 |
| Return on Equity (ROE) | 7.7252% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.9990% | 2,254 |
| Net charge-offs to loans | 0.0167% | 1,199 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 658 |
| Efficiency ratio | 69.7195% | 2,269 |
| Assets per employee ($millions) | 5.1432% | 3,633 |
| Cash dividends to net income (ytd only)* | 22.3448% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,270 |
| Loan loss allowance to noncurrent loans | 74.4865% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 2.4770% | 98 |
| Noncurrent loans to loans | 1.4956% | 556 |
| Net loans and leases to total assets | 69.9490% | 1,031 |
| Net loans and leases to deposits | 81.0701% | 1,071 |
| Net loans and leases to core deposits | 83.1502% | 1,287 |
| Total domestic deposits to total assets | 86.2822% | 3,169 |
| Equity capital to assets | 10.4496% | 1,607 |
| Core capital (leverage) ratio | 11.2905% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,456,000 | 2,260 |
| Average earning assets | $318,419,000 | 2,294 |
| Average equity | $37,539,500 | 2,150 |
| Average total loans | $240,111,500 | 1,995 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 1,249 |
| Cost of funding earning assets | 0.3586% | 1,866 |
| Net interest margin | 3.6894% | 1,241 |
| Noninterest income to average assets | 0.5409% | 2,393 |
| Noninterest expense to average assets | 2.8068% | 1,344 |
| Loan and lease loss provision to assets | -0.0474% | 4,343 |
| Net operating income to assets | 0.9528% | 2,855 |
| Return on assets (ROA) | 0.9565% | 2,915 |
| Pretax return on assets | 1.1266% | 2,889 |
| Return on Equity (ROE) | 8.5378% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.3987% | 2,175 |
| Net charge-offs to loans | 0.0885% | 929 |
| Credit loss provision to net charge-offs | -78.0488% | 3,317 |
| Earnings coverage of net charge-offs (x) | 17.6976% | 1,931 |
| Efficiency ratio | 72.3117% | 1,476 |
| Assets per employee ($millions) | 5.2905% | 3,487 |
| Cash dividends to net income (ytd only)* | 25.0542% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,098 |
| Loan loss allowance to noncurrent loans | 71.1528% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.5056% | 104 |
| Noncurrent loans to loans | 1.6244% | 531 |
| Net loans and leases to total assets | 65.9092% | 1,481 |
| Net loans and leases to deposits | 76.9786% | 1,490 |
| Net loans and leases to core deposits | 79.0527% | 1,673 |
| Total domestic deposits to total assets | 85.6201% | 3,047 |
| Equity capital to assets | 11.0354% | 1,768 |
| Core capital (leverage) ratio | 11.2469% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,574,400 | 2,260 |
| Average earning assets | $305,662,400 | 2,304 |
| Average equity | $37,820,200 | 2,161 |
| Average total loans | $231,593,400 | 2,042 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 1,165 |
| Cost of funding earning assets | 0.3712% | 1,927 |
| Net interest margin | 3.7895% | 1,138 |
| Noninterest income to average assets | 0.8593% | 1,351 |
| Noninterest expense to average assets | 2.7955% | 1,352 |
| Loan and lease loss provision to assets | -0.0099% | 4,315 |
| Net operating income to assets | 1.1741% | 2,255 |
| Return on assets (ROA) | 1.2195% | 2,160 |
| Pretax return on assets | 1.5561% | 1,831 |
| Return on Equity (ROE) | 10.8422% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.1208% | 1,653 |
| Net charge-offs to loans | 0.0934% | 777 |
| Credit loss provision to net charge-offs | -15.4321% | 3,067 |
| Earnings coverage of net charge-offs (x) | 23.0679% | 1,671 |
| Efficiency ratio | 65.2501% | 2,206 |
| Assets per employee ($millions) | 4.9348% | 3,759 |
| Cash dividends to net income (ytd only)* | 15.8772% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,606 |
| Loan loss allowance to noncurrent loans | 66.4736% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 3.2376% | 69 |
| Noncurrent loans to loans | 1.9200% | 469 |
| Net loans and leases to total assets | 64.2427% | 1,738 |
| Net loans and leases to deposits | 75.2456% | 1,742 |
| Net loans and leases to core deposits | 77.5818% | 1,921 |
| Total domestic deposits to total assets | 85.3774% | 2,995 |
| Equity capital to assets | 11.2637% | 1,842 |
| Core capital (leverage) ratio | 11.4845% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,674,000 | 2,288 |
| Average earning assets | $302,474,000 | 2,348 |
| Average equity | $37,642,000 | 2,196 |
| Average total loans | $231,284,250 | 2,080 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 1,081 |
| Cost of funding earning assets | 0.3842% | 2,022 |
| Net interest margin | 3.8729% | 1,024 |
| Noninterest income to average assets | 0.8391% | 1,430 |
| Noninterest expense to average assets | 2.8373% | 1,275 |
| Loan and lease loss provision to assets | 0.1057% | 1,185 |
| Net operating income to assets | 1.0323% | 2,779 |
| Return on assets (ROA) | 1.0819% | 2,672 |
| Pretax return on assets | 1.4540% | 2,158 |
| Return on Equity (ROE) | 9.6239% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.8829% | 2,117 |
| Net charge-offs to loans | 0.1388% | 577 |
| Credit loss provision to net charge-offs | 108.0247% | 1,320 |
| Earnings coverage of net charge-offs (x) | 15.2963% | 1,639 |
| Efficiency ratio | 65.4634% | 2,232 |
| Assets per employee ($millions) | 4.9139% | 3,735 |
| Cash dividends to net income (ytd only)* | 18.0905% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,419 |
| Loan loss allowance to noncurrent loans | 67.9433% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.4198% | 77 |
| Noncurrent loans to loans | 1.9191% | 513 |
| Net loans and leases to total assets | 68.5141% | 1,382 |
| Net loans and leases to deposits | 80.2214% | 1,403 |
| Net loans and leases to core deposits | 82.7298% | 1,660 |
| Total domestic deposits to total assets | 85.4063% | 2,938 |
| Equity capital to assets | 11.1754% | 1,848 |
| Core capital (leverage) ratio | 11.1845% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,086,333 | 2,298 |
| Average earning assets | $298,796,333 | 2,360 |
| Average equity | $37,219,667 | 2,206 |
| Average total loans | $233,450,000 | 2,071 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 1,301 |
| Cost of funding earning assets | 0.4056% | 2,050 |
| Net interest margin | 3.7342% | 1,262 |
| Noninterest income to average assets | 0.8682% | 1,415 |
| Noninterest expense to average assets | 2.8101% | 1,347 |
| Loan and lease loss provision to assets | 0.2751% | 352 |
| Net operating income to assets | 0.8820% | 3,175 |
| Return on assets (ROA) | 0.9245% | 3,138 |
| Pretax return on assets | 1.2033% | 2,840 |
| Return on Equity (ROE) | 8.1987% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.4418% | 2,751 |
| Net charge-offs to loans | 0.2839% | 302 |
| Credit loss provision to net charge-offs | 136.3636% | 1,010 |
| Earnings coverage of net charge-offs (x) | 7.0606% | 1,630 |
| Efficiency ratio | 66.3586% | 2,177 |
| Assets per employee ($millions) | 4.8168% | 3,840 |
| Cash dividends to net income (ytd only)* | 21.4286% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,430 |
| Loan loss allowance to noncurrent loans | 27.9763% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 5.6466% | 27 |
| Noncurrent loans to loans | 4.6524% | 95 |
| Net loans and leases to total assets | 71.0940% | 1,140 |
| Net loans and leases to deposits | 83.3757% | 1,210 |
| Net loans and leases to core deposits | 85.4839% | 1,557 |
| Total domestic deposits to total assets | 85.2695% | 3,005 |
| Equity capital to assets | 11.0971% | 1,788 |
| Core capital (leverage) ratio | 11.5153% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,101,000 | 2,305 |
| Average earning assets | $294,892,500 | 2,365 |
| Average equity | $36,884,000 | 2,208 |
| Average total loans | $232,489,500 | 2,082 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 1,841 |
| Cost of funding earning assets | 0.6562% | 1,954 |
| Net interest margin | 3.6544% | 1,964 |
| Noninterest income to average assets | 0.6968% | 1,870 |
| Noninterest expense to average assets | 3.1718% | 1,108 |
| Loan and lease loss provision to assets | 0.1015% | 3,062 |
| Net operating income to assets | 0.5592% | 3,876 |
| Return on assets (ROA) | 0.7615% | 3,360 |
| Pretax return on assets | 0.9541% | 3,205 |
| Return on Equity (ROE) | 6.7574% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.9329% | 2,303 |
| Net charge-offs to loans | 0.2429% | 713 |
| Credit loss provision to net charge-offs | 59.9251% | 3,090 |
| Earnings coverage of net charge-offs (x) | 4.7378% | 2,945 |
| Efficiency ratio | 79.8020% | 909 |
| Assets per employee ($millions) | 4.7330% | 3,686 |
| Cash dividends to net income (ytd only)* | 27.0000% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,170 |
| Loan loss allowance to noncurrent loans | 26.6341% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 5.9796% | 36 |
| Noncurrent loans to loans | 5.0865% | 82 |
| Net loans and leases to total assets | 69.1392% | 1,668 |
| Net loans and leases to deposits | 81.4195% | 1,718 |
| Net loans and leases to core deposits | 84.2924% | 2,011 |
| Total domestic deposits to total assets | 84.9173% | 2,797 |
| Equity capital to assets | 11.4608% | 1,914 |
| Core capital (leverage) ratio | 11.3734% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,153,600 | 2,216 |
| Average earning assets | $282,675,200 | 2,275 |
| Average equity | $35,516,600 | 2,210 |
| Average total loans | $219,873,400 | 2,104 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,088 |
| Cost of funding earning assets | 0.7091% | 1,973 |
| Net interest margin | 3.5953% | 2,286 |
| Noninterest income to average assets | 0.9034% | 1,210 |
| Noninterest expense to average assets | 3.1959% | 1,078 |
| Loan and lease loss provision to assets | 0.4297% | 777 |
| Net operating income to assets | 0.4097% | 4,246 |
| Return on assets (ROA) | 0.6720% | 3,665 |
| Pretax return on assets | 0.8175% | 3,599 |
| Return on Equity (ROE) | 5.9891% | 3,553 |
| Retained earnings to average equity (ytd only) | 4.1469% | 2,969 |
| Net charge-offs to loans | 0.2454% | 623 |
| Credit loss provision to net charge-offs | 251.2438% | 1,917 |
| Earnings coverage of net charge-offs (x) | 5.4229% | 2,731 |
| Efficiency ratio | 77.5119% | 1,086 |
| Assets per employee ($millions) | 4.7451% | 3,544 |
| Cash dividends to net income (ytd only)* | 30.7595% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 866 |
| Loan loss allowance to noncurrent loans | 32.9706% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 6.4723% | 34 |
| Noncurrent loans to loans | 5.2116% | 98 |
| Net loans and leases to total assets | 68.7428% | 2,146 |
| Net loans and leases to deposits | 80.8470% | 2,217 |
| Net loans and leases to core deposits | 83.4086% | 2,533 |
| Total domestic deposits to total assets | 85.0283% | 2,421 |
| Equity capital to assets | 11.1892% | 2,241 |
| Core capital (leverage) ratio | 11.1579% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,480,750 | 2,203 |
| Average earning assets | $280,729,000 | 2,270 |
| Average equity | $35,174,250 | 2,213 |
| Average total loans | $218,447,500 | 2,112 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,269 |
| Cost of funding earning assets | 0.7796% | 1,935 |
| Net interest margin | 3.5949% | 2,504 |
| Noninterest income to average assets | 0.8769% | 1,221 |
| Noninterest expense to average assets | 3.2601% | 1,061 |
| Loan and lease loss provision to assets | 0.5187% | 666 |
| Net operating income to assets | 0.2588% | 4,493 |
| Return on assets (ROA) | 0.6166% | 3,757 |
| Pretax return on assets | 0.7409% | 3,767 |
| Return on Equity (ROE) | 5.4899% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.6312% | 3,109 |
| Net charge-offs to loans | 0.3703% | 430 |
| Credit loss provision to net charge-offs | 201.2500% | 1,908 |
| Earnings coverage of net charge-offs (x) | 3.2150% | 2,699 |
| Efficiency ratio | 79.7353% | 912 |
| Assets per employee ($millions) | 4.8929% | 3,313 |
| Cash dividends to net income (ytd only)* | 33.8558% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 911 |
| Loan loss allowance to noncurrent loans | 27.1719% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 7.0659% | 30 |
| Noncurrent loans to loans | 6.0611% | 72 |
| Net loans and leases to total assets | 67.9613% | 2,361 |
| Net loans and leases to deposits | 79.9344% | 2,430 |
| Net loans and leases to core deposits | 81.8449% | 2,787 |
| Total domestic deposits to total assets | 85.0213% | 2,389 |
| Equity capital to assets | 11.0531% | 2,296 |
| Core capital (leverage) ratio | 11.2200% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,418,333 | 2,192 |
| Average earning assets | $277,337,667 | 2,269 |
| Average equity | $34,864,333 | 2,211 |
| Average total loans | $216,033,667 | 2,118 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 2,017 |
| Cost of funding earning assets | 0.9442% | 1,670 |
| Net interest margin | 3.6483% | 2,516 |
| Noninterest income to average assets | 0.8785% | 1,113 |
| Noninterest expense to average assets | 3.2470% | 1,322 |
| Loan and lease loss provision to assets | 0.0723% | 2,829 |
| Net operating income to assets | 0.6624% | 3,397 |
| Return on assets (ROA) | 0.7023% | 3,342 |
| Pretax return on assets | 0.8548% | 3,270 |
| Return on Equity (ROE) | 6.2004% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.3194% | 2,564 |
| Net charge-offs to loans | 0.0697% | 1,334 |
| Credit loss provision to net charge-offs | 148.6486% | 1,588 |
| Earnings coverage of net charge-offs (x) | 18.0541% | 1,478 |
| Efficiency ratio | 78.7058% | 1,262 |
| Assets per employee ($millions) | 4.4478% | 3,336 |
| Cash dividends to net income (ytd only)* | 30.3371% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,256 |
| Loan loss allowance to noncurrent loans | 28.8776% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 6.6798% | 37 |
| Noncurrent loans to loans | 5.2858% | 107 |
| Net loans and leases to total assets | 69.1180% | 2,380 |
| Net loans and leases to deposits | 81.7416% | 2,487 |
| Net loans and leases to core deposits | 83.6357% | 2,881 |
| Total domestic deposits to total assets | 84.5567% | 2,581 |
| Equity capital to assets | 11.4110% | 2,519 |
| Core capital (leverage) ratio | 11.6043% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,162,000 | 2,184 |
| Average earning assets | $270,698,500 | 2,265 |
| Average equity | $34,449,500 | 2,225 |
| Average total loans | $212,479,000 | 2,108 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 1,653 |
| Cost of funding earning assets | 1.0877% | 1,374 |
| Net interest margin | 3.8451% | 2,358 |
| Noninterest income to average assets | 0.8930% | 1,187 |
| Noninterest expense to average assets | 3.1862% | 1,559 |
| Loan and lease loss provision to assets | 0.2150% | 925 |
| Net operating income to assets | 0.7369% | 3,743 |
| Return on assets (ROA) | 0.7673% | 3,733 |
| Pretax return on assets | 0.9262% | 3,659 |
| Return on Equity (ROE) | 6.9415% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.9721% | 2,436 |
| Net charge-offs to loans | 0.1976% | 1,028 |
| Credit loss provision to net charge-offs | 157.6355% | 1,635 |
| Earnings coverage of net charge-offs (x) | 8.0985% | 2,807 |
| Efficiency ratio | 74.2562% | 1,578 |
| Assets per employee ($millions) | 4.3061% | 3,500 |
| Cash dividends to net income (ytd only)* | 28.3713% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 1,063 |
| Loan loss allowance to noncurrent loans | 49.7868% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 5.2510% | 50 |
| Noncurrent loans to loans | 3.1344% | 286 |
| Net loans and leases to total assets | 68.4341% | 2,618 |
| Net loans and leases to deposits | 80.6940% | 2,697 |
| Net loans and leases to core deposits | 82.6750% | 3,071 |
| Total domestic deposits to total assets | 84.8069% | 2,569 |
| Equity capital to assets | 11.2395% | 2,771 |
| Core capital (leverage) ratio | 11.4013% | 2,187 |
| Tier 1 risk-based capital ratio | 15.3414% | 2,638 |
| Total risk-based capital ratio | 16.5939% | 2,570 |
| Memoranda: | ||
| Average total assets | $297,659,800 | 2,171 |
| Average earning assets | $263,038,000 | 2,254 |
| Average equity | $32,903,600 | 2,243 |
| Average total loans | $205,449,200 | 2,126 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 1,710 |
| Cost of funding earning assets | 1.1069% | 1,323 |
| Net interest margin | 3.8304% | 2,501 |
| Noninterest income to average assets | 0.8587% | 1,243 |
| Noninterest expense to average assets | 3.1117% | 1,690 |
| Loan and lease loss provision to assets | 0.2134% | 809 |
| Net operating income to assets | 0.7743% | 3,755 |
| Return on assets (ROA) | 0.8174% | 3,698 |
| Pretax return on assets | 0.9715% | 3,679 |
| Return on Equity (ROE) | 7.4259% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.4418% | 2,648 |
| Net charge-offs to loans | 0.2081% | 845 |
| Credit loss provision to net charge-offs | 148.9028% | 1,647 |
| Earnings coverage of net charge-offs (x) | 7.9092% | 2,704 |
| Efficiency ratio | 73.2959% | 1,659 |
| Assets per employee ($millions) | 4.2542% | 3,545 |
| Cash dividends to net income (ytd only)* | 26.7178% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,236 |
| Loan loss allowance to noncurrent loans | 48.2759% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 5.3899% | 63 |
| Noncurrent loans to loans | 3.1157% | 305 |
| Net loans and leases to total assets | 70.1903% | 2,440 |
| Net loans and leases to deposits | 82.9562% | 2,572 |
| Net loans and leases to core deposits | 84.9805% | 2,998 |
| Total domestic deposits to total assets | 84.6113% | 2,574 |
| Equity capital to assets | 11.3306% | 2,814 |
| Core capital (leverage) ratio | 11.4394% | 2,268 |
| Tier 1 risk-based capital ratio | 14.9994% | 2,846 |
| Total risk-based capital ratio | 16.2513% | 2,778 |
| Memoranda: | ||
| Average total assets | $296,718,000 | 2,195 |
| Average earning assets | $262,352,500 | 2,271 |
| Average equity | $32,659,750 | 2,273 |
| Average total loans | $204,424,250 | 2,148 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 1,726 |
| Cost of funding earning assets | 1.1030% | 1,288 |
| Net interest margin | 3.8051% | 2,572 |
| Noninterest income to average assets | 0.8334% | 1,238 |
| Noninterest expense to average assets | 3.1091% | 1,707 |
| Loan and lease loss provision to assets | 0.1957% | 885 |
| Net operating income to assets | 0.7975% | 3,662 |
| Return on assets (ROA) | 0.8179% | 3,646 |
| Pretax return on assets | 0.9158% | 3,800 |
| Return on Equity (ROE) | 7.5049% | 3,494 |
| Retained earnings to average equity (ytd only) | 5.4986% | 2,520 |
| Net charge-offs to loans | 0.2725% | 622 |
| Credit loss provision to net charge-offs | 105.4545% | 1,895 |
| Earnings coverage of net charge-offs (x) | 5.8655% | 2,611 |
| Efficiency ratio | 74.0675% | 1,641 |
| Assets per employee ($millions) | 4.1272% | 3,690 |
| Cash dividends to net income (ytd only)* | 26.7327% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,345 |
| Loan loss allowance to noncurrent loans | 49.7960% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 5.2813% | 71 |
| Noncurrent loans to loans | 2.9633% | 348 |
| Net loans and leases to total assets | 68.5537% | 2,747 |
| Net loans and leases to deposits | 80.8277% | 2,866 |
| Net loans and leases to core deposits | 82.7908% | 3,219 |
| Total domestic deposits to total assets | 84.8146% | 2,558 |
| Equity capital to assets | 11.1586% | 2,900 |
| Core capital (leverage) ratio | 11.1982% | 2,420 |
| Tier 1 risk-based capital ratio | 14.8405% | 2,901 |
| Total risk-based capital ratio | 16.0917% | 2,823 |
| Memoranda: | ||
| Average total assets | $296,358,670 | 2,202 |
| Average earning assets | $262,018,000 | 2,287 |
| Average equity | $32,299,000 | 2,285 |
| Average total loans | $201,827,000 | 2,179 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 1,636 |
| Cost of funding earning assets | 1.0868% | 1,230 |
| Net interest margin | 3.7978% | 2,531 |
| Noninterest income to average assets | 1.0812% | 685 |
| Noninterest expense to average assets | 3.1113% | 1,709 |
| Loan and lease loss provision to assets | 0.2095% | 755 |
| Net operating income to assets | 0.8776% | 3,322 |
| Return on assets (ROA) | 0.8947% | 3,307 |
| Pretax return on assets | 1.1353% | 3,029 |
| Return on Equity (ROE) | 8.3090% | 3,111 |
| Retained earnings to average equity (ytd only) | 6.2757% | 2,332 |
| Net charge-offs to loans | 0.3110% | 482 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 6.3161% | 2,202 |
| Efficiency ratio | 70.1615% | 2,312 |
| Assets per employee ($millions) | 4.1351% | 3,713 |
| Cash dividends to net income (ytd only)* | 24.4713% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,336 |
| Loan loss allowance to noncurrent loans | 68.3938% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 4.9176% | 70 |
| Noncurrent loans to loans | 2.1942% | 648 |
| Net loans and leases to total assets | 66.9318% | 2,911 |
| Net loans and leases to deposits | 78.6721% | 2,986 |
| Net loans and leases to core deposits | 81.0930% | 3,266 |
| Total domestic deposits to total assets | 85.0769% | 2,654 |
| Equity capital to assets | 10.8828% | 2,972 |
| Core capital (leverage) ratio | 11.1552% | 2,423 |
| Tier 1 risk-based capital ratio | 14.8185% | 2,949 |
| Total risk-based capital ratio | 16.0700% | 2,888 |
| Memoranda: | ||
| Average total assets | $295,957,500 | 2,221 |
| Average earning assets | $261,306,500 | 2,306 |
| Average equity | $31,869,000 | 2,306 |
| Average total loans | $199,357,500 | 2,217 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 1,946 |
| Cost of funding earning assets | 0.9036% | 1,076 |
| Net interest margin | 3.7592% | 2,829 |
| Noninterest income to average assets | 1.1806% | 666 |
| Noninterest expense to average assets | 3.4758% | 1,023 |
| Loan and lease loss provision to assets | 0.1525% | 1,390 |
| Net operating income to assets | 0.7563% | 3,949 |
| Return on assets (ROA) | 0.7452% | 3,989 |
| Pretax return on assets | 0.8511% | 4,035 |
| Return on Equity (ROE) | 7.1815% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.0556% | 2,732 |
| Net charge-offs to loans | 0.2605% | 740 |
| Credit loss provision to net charge-offs | 88.3629% | 2,743 |
| Earnings coverage of net charge-offs (x) | 5.8876% | 3,144 |
| Efficiency ratio | 77.3778% | 1,194 |
| Assets per employee ($millions) | 4.1435% | 3,694 |
| Cash dividends to net income (ytd only)* | 29.6026% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,162 |
| Loan loss allowance to noncurrent loans | 65.1083% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 5.3867% | 64 |
| Noncurrent loans to loans | 2.3742% | 532 |
| Net loans and leases to total assets | 65.7297% | 3,169 |
| Net loans and leases to deposits | 77.5570% | 3,220 |
| Net loans and leases to core deposits | 79.8907% | 3,438 |
| Total domestic deposits to total assets | 84.7502% | 2,749 |
| Equity capital to assets | 10.6520% | 3,027 |
| Core capital (leverage) ratio | 10.9602% | 2,563 |
| Tier 1 risk-based capital ratio | 14.7805% | 2,928 |
| Total risk-based capital ratio | 16.0324% | 2,857 |
| Memoranda: | ||
| Average total assets | $293,745,400 | 2,191 |
| Average earning assets | $258,753,800 | 2,274 |
| Average equity | $30,481,200 | 2,308 |
| Average total loans | $194,644,200 | 2,212 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 2,027 |
| Cost of funding earning assets | 0.8508% | 1,116 |
| Net interest margin | 3.7322% | 2,889 |
| Noninterest income to average assets | 1.2246% | 640 |
| Noninterest expense to average assets | 3.4945% | 991 |
| Loan and lease loss provision to assets | 0.1353% | 1,482 |
| Net operating income to assets | 0.7851% | 3,956 |
| Return on assets (ROA) | 0.8110% | 3,877 |
| Pretax return on assets | 0.9122% | 3,978 |
| Return on Equity (ROE) | 7.8675% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.7266% | 2,809 |
| Net charge-offs to loans | 0.1819% | 921 |
| Credit loss provision to net charge-offs | 112.4528% | 2,080 |
| Earnings coverage of net charge-offs (x) | 8.4643% | 2,703 |
| Efficiency ratio | 77.4323% | 1,179 |
| Assets per employee ($millions) | 3.9809% | 3,922 |
| Cash dividends to net income (ytd only)* | 27.2115% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,019 |
| Loan loss allowance to noncurrent loans | 62.1869% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 5.4884% | 71 |
| Noncurrent loans to loans | 2.6137% | 484 |
| Net loans and leases to total assets | 64.2663% | 3,392 |
| Net loans and leases to deposits | 75.1919% | 3,489 |
| Net loans and leases to core deposits | 77.2661% | 3,714 |
| Total domestic deposits to total assets | 85.4697% | 2,417 |
| Equity capital to assets | 10.3664% | 3,267 |
| Core capital (leverage) ratio | 10.9370% | 2,637 |
| Tier 1 risk-based capital ratio | 14.7181% | 3,009 |
| Total risk-based capital ratio | 15.9695% | 2,936 |
| Memoranda: | ||
| Average total assets | $293,634,750 | 2,203 |
| Average earning assets | $258,716,000 | 2,286 |
| Average equity | $30,267,250 | 2,326 |
| Average total loans | $194,204,000 | 2,223 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 2,140 |
| Cost of funding earning assets | 0.8007% | 1,118 |
| Net interest margin | 3.6842% | 2,994 |
| Noninterest income to average assets | 1.2832% | 587 |
| Noninterest expense to average assets | 3.6425% | 828 |
| Loan and lease loss provision to assets | 0.0600% | 2,703 |
| Net operating income to assets | 0.8066% | 3,836 |
| Return on assets (ROA) | 0.8066% | 3,835 |
| Pretax return on assets | 0.8373% | 4,143 |
| Return on Equity (ROE) | 7.8404% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.6864% | 2,732 |
| Net charge-offs to loans | 0.2618% | 615 |
| Credit loss provision to net charge-offs | 34.5098% | 2,604 |
| Earnings coverage of net charge-offs (x) | 5.1608% | 2,730 |
| Efficiency ratio | 80.2343% | 989 |
| Assets per employee ($millions) | 4.0139% | 3,873 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,394 |
| Loan loss allowance to noncurrent loans | 202.2099% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 4.3162% | 118 |
| Noncurrent loans to loans | 0.7421% | 2,250 |
| Net loans and leases to total assets | 65.5949% | 3,204 |
| Net loans and leases to deposits | 76.9200% | 3,263 |
| Net loans and leases to core deposits | 78.4589% | 3,537 |
| Total domestic deposits to total assets | 85.2769% | 2,572 |
| Equity capital to assets | 10.3865% | 3,226 |
| Core capital (leverage) ratio | 10.7686% | 2,737 |
| Tier 1 risk-based capital ratio | 14.4366% | 3,146 |
| Total risk-based capital ratio | 15.6878% | 3,061 |
| Memoranda: | ||
| Average total assets | $293,318,000 | 2,211 |
| Average earning assets | $259,266,670 | 2,285 |
| Average equity | $30,177,000 | 2,340 |
| Average total loans | $194,789,670 | 2,229 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3561% | 2,331 |
| Cost of funding earning assets | 0.7654% | 1,121 |
| Net interest margin | 3.5907% | 3,217 |
| Noninterest income to average assets | 1.0631% | 813 |
| Noninterest expense to average assets | 3.7101% | 746 |
| Loan and lease loss provision to assets | 0.0600% | 2,569 |
| Net operating income to assets | 0.5561% | 4,556 |
| Return on assets (ROA) | 0.5561% | 4,558 |
| Pretax return on assets | 0.4648% | 4,934 |
| Return on Equity (ROE) | 5.4312% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.2747% | 3,897 |
| Net charge-offs to loans | 0.4439% | 341 |
| Credit loss provision to net charge-offs | 20.3704% | 2,125 |
| Earnings coverage of net charge-offs (x) | 1.7824% | 2,521 |
| Efficiency ratio | 87.6086% | 555 |
| Assets per employee ($millions) | 3.9878% | 4,002 |
| Cash dividends to net income (ytd only)* | 39.7059% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 1,488 |
| Loan loss allowance to noncurrent loans | 193.1923% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 4.3291% | 132 |
| Noncurrent loans to loans | 0.7725% | 2,277 |
| Net loans and leases to total assets | 65.3768% | 3,131 |
| Net loans and leases to deposits | 76.5196% | 3,155 |
| Net loans and leases to core deposits | 79.7649% | 3,342 |
| Total domestic deposits to total assets | 85.4380% | 2,778 |
| Equity capital to assets | 10.1326% | 3,470 |
| Core capital (leverage) ratio | 10.6797% | 2,756 |
| Tier 1 risk-based capital ratio | 14.0736% | 3,341 |
| Total risk-based capital ratio | 15.3245% | 3,256 |
| Memoranda: | ||
| Average total assets | $293,469,500 | 2,232 |
| Average earning assets | $259,223,000 | 2,299 |
| Average equity | $30,048,500 | 2,363 |
| Average total loans | $194,619,000 | 2,235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 2,489 |
| Cost of funding earning assets | 0.6935% | 1,065 |
| Net interest margin | 3.5584% | 3,309 |
| Noninterest income to average assets | 0.8043% | 1,551 |
| Noninterest expense to average assets | 3.1938% | 1,621 |
| Loan and lease loss provision to assets | 0.0852% | 2,499 |
| Net operating income to assets | 0.3570% | 4,813 |
| Return on assets (ROA) | 0.3616% | 4,824 |
| Pretax return on assets | 0.6625% | 4,599 |
| Return on Equity (ROE) | 3.4916% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.3558% | 4,462 |
| Net charge-offs to loans | 0.0471% | 2,844 |
| Credit loss provision to net charge-offs | 274.7253% | 1,018 |
| Earnings coverage of net charge-offs (x) | 23.8791% | 1,786 |
| Efficiency ratio | 81.1780% | 990 |
| Assets per employee ($millions) | 3.9978% | 3,960 |
| Cash dividends to net income (ytd only)* | 61.1687% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,143 |
| Loan loss allowance to noncurrent loans | 161.9571% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 4.5518% | 115 |
| Noncurrent loans to loans | 0.9882% | 1,790 |
| Net loans and leases to total assets | 65.2048% | 3,202 |
| Net loans and leases to deposits | 76.6503% | 3,263 |
| Net loans and leases to core deposits | 79.9391% | 3,423 |
| Total domestic deposits to total assets | 85.0679% | 2,817 |
| Equity capital to assets | 10.3467% | 3,333 |
| Core capital (leverage) ratio | 10.4857% | 2,855 |
| Tier 1 risk-based capital ratio | 14.1880% | 3,266 |
| Total risk-based capital ratio | 15.4403% | 3,164 |
| Memoranda: | ||
| Average total assets | $293,440,800 | 2,202 |
| Average earning assets | $258,121,600 | 2,290 |
| Average equity | $30,387,400 | 2,329 |
| Average total loans | $193,124,000 | 2,219 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,615 |
| Cost of funding earning assets | 0.6741% | 1,102 |
| Net interest margin | 3.5263% | 3,403 |
| Noninterest income to average assets | 0.9470% | 1,148 |
| Noninterest expense to average assets | 3.1944% | 1,570 |
| Loan and lease loss provision to assets | 0.1134% | 1,900 |
| Net operating income to assets | 0.5087% | 4,706 |
| Return on assets (ROA) | 0.5118% | 4,731 |
| Pretax return on assets | 0.7437% | 4,502 |
| Return on Equity (ROE) | 4.9415% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.8081% | 4,229 |
| Net charge-offs to loans | 0.0497% | 2,433 |
| Credit loss provision to net charge-offs | 347.2222% | 870 |
| Earnings coverage of net charge-offs (x) | 26.0966% | 1,698 |
| Efficiency ratio | 78.9326% | 1,220 |
| Assets per employee ($millions) | 4.0378% | 3,923 |
| Cash dividends to net income (ytd only)* | 43.1740% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,195 |
| Loan loss allowance to noncurrent loans | 161.9345% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 5.0783% | 101 |
| Noncurrent loans to loans | 0.9997% | 1,939 |
| Net loans and leases to total assets | 64.2003% | 3,366 |
| Net loans and leases to deposits | 75.5514% | 3,418 |
| Net loans and leases to core deposits | 78.8508% | 3,552 |
| Total domestic deposits to total assets | 84.9757% | 2,722 |
| Equity capital to assets | 10.4752% | 3,401 |
| Core capital (leverage) ratio | 10.5651% | 2,915 |
| Tier 1 risk-based capital ratio | 14.2079% | 3,346 |
| Total risk-based capital ratio | 15.4601% | 3,248 |
| Memoranda: | ||
| Average total assets | $293,840,500 | 2,217 |
| Average earning assets | $258,322,250 | 2,306 |
| Average equity | $30,435,250 | 2,347 |
| Average total loans | $193,057,500 | 2,231 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 2,631 |
| Cost of funding earning assets | 0.6500% | 1,141 |
| Net interest margin | 3.5096% | 3,364 |
| Noninterest income to average assets | 0.9532% | 1,127 |
| Noninterest expense to average assets | 3.2405% | 1,494 |
| Loan and lease loss provision to assets | 0.1295% | 1,607 |
| Net operating income to assets | 0.4560% | 4,838 |
| Return on assets (ROA) | 0.4606% | 4,847 |
| Pretax return on assets | 0.6732% | 4,615 |
| Return on Equity (ROE) | 4.4638% | 4,676 |
| Retained earnings to average equity (ytd only) | 2.3177% | 4,290 |
| Net charge-offs to loans | 0.0383% | 2,438 |
| Credit loss provision to net charge-offs | 513.5135% | 650 |
| Earnings coverage of net charge-offs (x) | 31.5676% | 1,428 |
| Efficiency ratio | 80.2836% | 1,181 |
| Assets per employee ($millions) | 3.9098% | 4,118 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,254 |
| Loan loss allowance to noncurrent loans | 164.3960% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 5.0901% | 97 |
| Noncurrent loans to loans | 0.9748% | 2,014 |
| Net loans and leases to total assets | 64.6843% | 3,290 |
| Net loans and leases to deposits | 76.7153% | 3,257 |
| Net loans and leases to core deposits | 80.3764% | 3,395 |
| Total domestic deposits to total assets | 84.3174% | 3,081 |
| Equity capital to assets | 10.4493% | 3,404 |
| Core capital (leverage) ratio | 10.4588% | 2,965 |
| Tier 1 risk-based capital ratio | 14.0726% | 3,394 |
| Total risk-based capital ratio | 15.3245% | 3,311 |
| Memoranda: | ||
| Average total assets | $293,533,330 | 2,229 |
| Average earning assets | $257,862,330 | 2,318 |
| Average equity | $30,288,000 | 2,352 |
| Average total loans | $193,292,670 | 2,230 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 2,878 |
| Cost of funding earning assets | 0.6406% | 1,130 |
| Net interest margin | 3.4044% | 3,643 |
| Noninterest income to average assets | 0.9616% | 1,077 |
| Noninterest expense to average assets | 3.1299% | 1,790 |
| Loan and lease loss provision to assets | 0.1294% | 1,485 |
| Net operating income to assets | 0.4809% | 4,668 |
| Return on assets (ROA) | 0.4876% | 4,672 |
| Pretax return on assets | 0.7014% | 4,445 |
| Return on Equity (ROE) | 4.7557% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.7557% | 3,034 |
| Net charge-offs to loans | 0.0062% | 2,760 |
| Credit loss provision to net charge-offs | 3,166.6667% | 105 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 281 |
| Efficiency ratio | 79.2141% | 1,461 |
| Assets per employee ($millions) | 3.7179% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,488 |
| Loan loss allowance to noncurrent loans | 165.6455% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 4.9943% | 120 |
| Noncurrent loans to loans | 0.9403% | 2,164 |
| Net loans and leases to total assets | 65.1578% | 3,095 |
| Net loans and leases to deposits | 77.0919% | 3,066 |
| Net loans and leases to core deposits | 78.6539% | 3,426 |
| Total domestic deposits to total assets | 84.5197% | 3,290 |
| Equity capital to assets | 10.3539% | 3,341 |
| Core capital (leverage) ratio | 10.4949% | 2,908 |
| Tier 1 risk-based capital ratio | 14.0334% | 3,454 |
| Total risk-based capital ratio | 15.2850% | 3,376 |
| Memoranda: | ||
| Average total assets | $293,682,500 | 2,243 |
| Average earning assets | $257,899,000 | 2,329 |
| Average equity | $30,111,500 | 2,367 |
| Average total loans | $193,556,000 | 2,237 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 3,479 |
| Cost of funding earning assets | 0.7086% | 786 |
| Net interest margin | 3.2166% | 4,395 |
| Noninterest income to average assets | 0.9987% | 1,152 |
| Noninterest expense to average assets | 3.4454% | 1,262 |
| Loan and lease loss provision to assets | 0.0817% | 2,725 |
| Net operating income to assets | 0.2789% | 5,261 |
| Return on assets (ROA) | 0.2908% | 5,311 |
| Pretax return on assets | 0.2918% | 5,373 |
| Return on Equity (ROE) | 2.8538% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.8538% | 3,867 |
| Net charge-offs to loans | 0.2316% | 1,200 |
| Credit loss provision to net charge-offs | 56.4706% | 3,295 |
| Earnings coverage of net charge-offs (x) | 2.4988% | 3,819 |
| Efficiency ratio | 90.5017% | 526 |
| Assets per employee ($millions) | 3.7647% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 1,584 |
| Loan loss allowance to noncurrent loans | 161.0532% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 5.0124% | 121 |
| Noncurrent loans to loans | 0.9460% | 2,195 |
| Net loans and leases to total assets | 64.6244% | 3,269 |
| Net loans and leases to deposits | 76.9043% | 3,212 |
| Net loans and leases to core deposits | 78.4695% | 3,539 |
| Total domestic deposits to total assets | 84.0323% | 3,408 |
| Equity capital to assets | 10.1523% | 3,547 |
| Core capital (leverage) ratio | 10.3561% | 3,045 |
| Tier 1 risk-based capital ratio | 13.2196% | 3,941 |
| Total risk-based capital ratio | 14.4699% | 3,854 |
| Memoranda: | ||
| Average total assets | $293,692,200 | 2,204 |
| Average earning assets | $256,423,200 | 2,304 |
| Average equity | $29,925,400 | 2,353 |
| Average total loans | $183,532,400 | 2,278 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,541 |
| Cost of funding earning assets | 0.7144% | 757 |
| Net interest margin | 3.1985% | 4,494 |
| Noninterest income to average assets | 0.9579% | 1,239 |
| Noninterest expense to average assets | 3.4960% | 1,155 |
| Loan and lease loss provision to assets | 0.0817% | 2,569 |
| Net operating income to assets | 0.1884% | 5,486 |
| Return on assets (ROA) | 0.2129% | 5,507 |
| Pretax return on assets | 0.1952% | 5,574 |
| Return on Equity (ROE) | 2.0876% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.0876% | 4,649 |
| Net charge-offs to loans | 0.2832% | 808 |
| Credit loss provision to net charge-offs | 46.7532% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.4441% | 3,693 |
| Efficiency ratio | 93.2663% | 415 |
| Assets per employee ($millions) | 3.8181% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,587 |
| Loan loss allowance to noncurrent loans | 160.5727% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 5.0004% | 147 |
| Noncurrent loans to loans | 0.9721% | 2,295 |
| Net loans and leases to total assets | 62.5513% | 3,576 |
| Net loans and leases to deposits | 74.1848% | 3,577 |
| Net loans and leases to core deposits | 75.8709% | 3,852 |
| Total domestic deposits to total assets | 84.3182% | 3,092 |
| Equity capital to assets | 10.3566% | 3,739 |
| Core capital (leverage) ratio | 10.2887% | 3,237 |
| Tier 1 risk-based capital ratio | 13.3807% | 3,932 |
| Total risk-based capital ratio | 14.6312% | 3,843 |
| Memoranda: | ||
| Average total assets | $293,703,000 | 2,211 |
| Average earning assets | $256,238,750 | 2,317 |
| Average equity | $29,953,750 | 2,372 |
| Average total loans | $181,239,250 | 2,301 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,687 |
| Cost of funding earning assets | 0.7127% | 751 |
| Net interest margin | 3.1601% | 4,668 |
| Noninterest income to average assets | 0.9557% | 1,227 |
| Noninterest expense to average assets | 3.6178% | 984 |
| Loan and lease loss provision to assets | 0.0817% | 2,503 |
| Net operating income to assets | 0.0674% | 5,705 |
| Return on assets (ROA) | 0.0777% | 5,733 |
| Pretax return on assets | 0.0300% | 5,773 |
| Return on Equity (ROE) | 0.7654% | 5,714 |
| Retained earnings to average equity (ytd only) | 0.7654% | 5,072 |
| Net charge-offs to loans | 0.3512% | 670 |
| Credit loss provision to net charge-offs | 38.0952% | 2,789 |
| Earnings coverage of net charge-offs (x) | 0.4730% | 3,517 |
| Efficiency ratio | 97.2711% | 307 |
| Assets per employee ($millions) | 3.7055% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 1,444 |
| Loan loss allowance to noncurrent loans | 149.8975% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 5.7575% | 111 |
| Noncurrent loans to loans | 1.0879% | 2,112 |
| Net loans and leases to total assets | 60.2967% | 3,850 |
| Net loans and leases to deposits | 70.7278% | 3,918 |
| Net loans and leases to core deposits | 72.2474% | 4,148 |
| Total domestic deposits to total assets | 85.2516% | 2,757 |
| Equity capital to assets | 10.3511% | 3,792 |
| Core capital (leverage) ratio | 10.0268% | 3,533 |
| Tier 1 risk-based capital ratio | 13.3546% | 3,985 |
| Total risk-based capital ratio | 14.6054% | 3,900 |
| Memoranda: | ||
| Average total assets | $293,605,000 | 2,218 |
| Average earning assets | $256,762,330 | 2,320 |
| Average equity | $29,789,000 | 2,385 |
| Average total loans | $179,380,670 | 2,320 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 3,571 |
| Cost of funding earning assets | 0.7179% | 737 |
| Net interest margin | 3.1887% | 4,620 |
| Noninterest income to average assets | 0.9454% | 1,191 |
| Noninterest expense to average assets | 4.2661% | 467 |
| Loan and lease loss provision to assets | 0.0816% | 2,321 |
| Net operating income to assets | -0.3159% | 5,920 |
| Return on assets (ROA) | -0.3115% | 5,926 |
| Pretax return on assets | -0.6040% | 5,984 |
| Return on Equity (ROE) | -3.1016% | 5,942 |
| Retained earnings to average equity (ytd only) | -3.1016% | 5,481 |
| Net charge-offs to loans | 0.1717% | 1,111 |
| Credit loss provision to net charge-offs | 77.9221% | 1,852 |
| Earnings coverage of net charge-offs (x) | -5.0519% | 3,042 |
| Efficiency ratio | 114.1609% | 133 |
| Assets per employee ($millions) | 3.6982% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 1,301 |
| Loan loss allowance to noncurrent loans | 99.8713% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 5.6406% | 135 |
| Noncurrent loans to loans | 1.7277% | 1,298 |
| Net loans and leases to total assets | 59.7539% | 3,811 |
| Net loans and leases to deposits | 69.6641% | 3,886 |
| Net loans and leases to core deposits | 71.2292% | 4,136 |
| Total domestic deposits to total assets | 85.7742% | 2,774 |
| Equity capital to assets | 9.9923% | 4,092 |
| Core capital (leverage) ratio | 9.9029% | 3,657 |
| Tier 1 risk-based capital ratio | 13.3613% | 4,061 |
| Total risk-based capital ratio | 14.6133% | 3,986 |
| Memoranda: | ||
| Average total assets | $294,042,000 | 2,224 |
| Average earning assets | $257,413,000 | 2,331 |
| Average equity | $29,533,000 | 2,397 |
| Average total loans | $179,354,500 | 2,317 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 3,673 |
| Cost of funding earning assets | 0.7032% | 807 |
| Net interest margin | 3.2065% | 4,610 |
| Noninterest income to average assets | 0.9174% | 1,387 |
| Noninterest expense to average assets | 3.4366% | 1,420 |
| Loan and lease loss provision to assets | 0.0340% | 3,674 |
| Net operating income to assets | 0.2336% | 5,509 |
| Return on assets (ROA) | 0.2349% | 5,575 |
| Pretax return on assets | 0.2241% | 5,657 |
| Return on Equity (ROE) | 2.3328% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.3328% | 4,397 |
| Net charge-offs to loans | 0.0248% | 3,745 |
| Credit loss provision to net charge-offs | 232.5581% | 1,227 |
| Earnings coverage of net charge-offs (x) | 17.5814% | 2,063 |
| Efficiency ratio | 93.0502% | 527 |
| Assets per employee ($millions) | 3.5173% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 1,254 |
| Loan loss allowance to noncurrent loans | 100.1283% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 5.7273% | 148 |
| Noncurrent loans to loans | 1.7431% | 1,290 |
| Net loans and leases to total assets | 60.1835% | 3,811 |
| Net loans and leases to deposits | 70.4816% | 3,868 |
| Net loans and leases to core deposits | 72.0753% | 4,128 |
| Total domestic deposits to total assets | 85.3890% | 2,905 |
| Equity capital to assets | 10.2550% | 3,672 |
| Core capital (leverage) ratio | 9.8800% | 3,669 |
| Tier 1 risk-based capital ratio | 13.4130% | 4,048 |
| Total risk-based capital ratio | 14.6652% | 3,990 |
| Memoranda: | ||
| Average total assets | $294,537,600 | 2,181 |
| Average earning assets | $254,979,000 | 2,306 |
| Average equity | $29,664,200 | 2,343 |
| Average total loans | $173,265,600 | 2,313 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,735 |
| Cost of funding earning assets | 0.6995% | 838 |
| Net interest margin | 3.2053% | 4,652 |
| Noninterest income to average assets | 0.9598% | 1,290 |
| Noninterest expense to average assets | 3.3844% | 1,501 |
| Loan and lease loss provision to assets | 0.0339% | 3,547 |
| Net operating income to assets | 0.2157% | 5,649 |
| Return on assets (ROA) | 0.2141% | 5,713 |
| Pretax return on assets | 0.3062% | 5,629 |
| Return on Equity (ROE) | 2.1354% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.1354% | 4,815 |
| Net charge-offs to loans | -0.0776% | 5,696 |
| Credit loss provision to net charge-offs | -75.0000% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8132% | 642 |
| Assets per employee ($millions) | 3.5104% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 1,190 |
| Loan loss allowance to noncurrent loans | 105.4705% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 5.6543% | 154 |
| Noncurrent loans to loans | 1.7444% | 1,370 |
| Net loans and leases to total assets | 58.6066% | 4,068 |
| Net loans and leases to deposits | 67.4136% | 4,246 |
| Net loans and leases to core deposits | 68.9540% | 4,462 |
| Total domestic deposits to total assets | 86.9360% | 2,077 |
| Equity capital to assets | 10.1407% | 4,008 |
| Core capital (leverage) ratio | 10.1580% | 3,427 |
| Tier 1 risk-based capital ratio | 14.0873% | 3,803 |
| Total risk-based capital ratio | 15.3411% | 3,740 |
| Memoranda: | ||
| Average total assets | $295,187,750 | 2,190 |
| Average earning assets | $254,825,000 | 2,316 |
| Average equity | $29,595,750 | 2,361 |
| Average total loans | $171,877,250 | 2,343 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 3,749 |
| Cost of funding earning assets | 0.6972% | 856 |
| Net interest margin | 3.1876% | 4,698 |
| Noninterest income to average assets | 0.9320% | 1,352 |
| Noninterest expense to average assets | 3.4346% | 1,407 |
| Loan and lease loss provision to assets | 0.0169% | 3,786 |
| Net operating income to assets | 0.1720% | 5,759 |
| Return on assets (ROA) | 0.1720% | 5,821 |
| Pretax return on assets | 0.2459% | 5,744 |
| Return on Equity (ROE) | 1.7224% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.7224% | 4,835 |
| Net charge-offs to loans | -0.1150% | 5,835 |
| Credit loss provision to net charge-offs | -25.5102% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8925% | 583 |
| Assets per employee ($millions) | 3.3856% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 1,318 |
| Loan loss allowance to noncurrent loans | 104.2184% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 5.7760% | 166 |
| Noncurrent loans to loans | 1.7536% | 1,461 |
| Net loans and leases to total assets | 58.1239% | 4,083 |
| Net loans and leases to deposits | 66.8083% | 4,248 |
| Net loans and leases to core deposits | 68.3767% | 4,461 |
| Total domestic deposits to total assets | 87.0010% | 2,170 |
| Equity capital to assets | 10.0182% | 4,017 |
| Core capital (leverage) ratio | 9.6556% | 4,065 |
| Tier 1 risk-based capital ratio | 13.5680% | 4,180 |
| Total risk-based capital ratio | 14.8214% | 4,105 |
| Memoranda: | ||
| Average total assets | $295,293,330 | 2,207 |
| Average earning assets | $256,179,330 | 2,325 |
| Average equity | $29,493,670 | 2,374 |
| Average total loans | $170,485,330 | 2,372 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 3,880 |
| Cost of funding earning assets | 0.6976% | 862 |
| Net interest margin | 3.1359% | 4,833 |
| Noninterest income to average assets | 0.9186% | 1,330 |
| Noninterest expense to average assets | 3.3835% | 1,518 |
| Loan and lease loss provision to assets | 0.0338% | 3,216 |
| Net operating income to assets | 0.1498% | 5,788 |
| Return on assets (ROA) | 0.1488% | 5,864 |
| Pretax return on assets | 0.2124% | 5,812 |
| Return on Equity (ROE) | 1.4922% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.4922% | 4,890 |
| Net charge-offs to loans | -0.4652% | 6,230 |
| Credit loss provision to net charge-offs | -12.7551% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1818% | 634 |
| Assets per employee ($millions) | 3.3911% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 1,205 |
| Loan loss allowance to noncurrent loans | 107.4583% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 6.0208% | 170 |
| Noncurrent loans to loans | 1.8060% | 1,503 |
| Net loans and leases to total assets | 56.2610% | 4,170 |
| Net loans and leases to deposits | 64.5121% | 4,315 |
| Net loans and leases to core deposits | 66.0180% | 4,517 |
| Total domestic deposits to total assets | 87.2100% | 2,262 |
| Equity capital to assets | 10.0601% | 4,078 |
| Core capital (leverage) ratio | 9.9063% | 3,736 |
| Tier 1 risk-based capital ratio | 14.1979% | 3,882 |
| Total risk-based capital ratio | 15.3656% | 3,866 |
| Memoranda: | ||
| Average total assets | $295,667,500 | 2,219 |
| Average earning assets | $255,746,000 | 2,342 |
| Average equity | $29,486,500 | 2,389 |
| Average total loans | $168,534,000 | 2,386 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,315 |
| Cost of funding earning assets | 0.7408% | 890 |
| Net interest margin | 3.3625% | 4,362 |
| Noninterest income to average assets | 0.8656% | 1,625 |
| Noninterest expense to average assets | 3.4031% | 1,691 |
| Loan and lease loss provision to assets | 0.1577% | 1,665 |
| Net operating income to assets | 0.1763% | 5,812 |
| Return on assets (ROA) | 0.2350% | 5,753 |
| Pretax return on assets | 0.2974% | 5,706 |
| Return on Equity (ROE) | 2.3488% | 5,676 |
| Retained earnings to average equity (ytd only) | -6.5586% | 6,236 |
| Net charge-offs to loans | 0.3174% | 1,392 |
| Credit loss provision to net charge-offs | 82.8970% | 2,807 |
| Earnings coverage of net charge-offs (x) | 2.0017% | 4,275 |
| Efficiency ratio | 89.9386% | 842 |
| Assets per employee ($millions) | 3.3671% | 5,134 |
| Cash dividends to net income (ytd only)* | 379.2373% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 1,479 |
| Loan loss allowance to noncurrent loans | 100.2290% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 5.9863% | 197 |
| Noncurrent loans to loans | 1.8218% | 1,572 |
| Net loans and leases to total assets | 55.5955% | 4,382 |
| Net loans and leases to deposits | 63.7511% | 4,551 |
| Net loans and leases to core deposits | 65.8215% | 4,683 |
| Total domestic deposits to total assets | 87.2072% | 2,166 |
| Equity capital to assets | 9.8860% | 4,252 |
| Core capital (leverage) ratio | 9.7881% | 3,845 |
| Tier 1 risk-based capital ratio | 14.2213% | 3,950 |
| Total risk-based capital ratio | 15.4563% | 3,893 |
| Memoranda: | ||
| Average total assets | $301,286,000 | 2,156 |
| Average earning assets | $261,469,800 | 2,262 |
| Average equity | $30,143,600 | 2,263 |
| Average total loans | $180,509,800 | 2,220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 3,416 |
| Cost of funding earning assets | 0.7420% | 935 |
| Net interest margin | 3.3496% | 4,433 |
| Noninterest income to average assets | 0.8550% | 1,678 |
| Noninterest expense to average assets | 3.3640% | 1,757 |
| Loan and lease loss provision to assets | 0.1653% | 1,503 |
| Net operating income to assets | 0.2020% | 5,846 |
| Return on assets (ROA) | 0.2719% | 5,739 |
| Pretax return on assets | 0.3235% | 5,730 |
| Return on Equity (ROE) | 2.7100% | 5,649 |
| Retained earnings to average equity (ytd only) | -0.2108% | 5,838 |
| Net charge-offs to loans | 0.1205% | 2,609 |
| Credit loss provision to net charge-offs | 225.9036% | 1,152 |
| Earnings coverage of net charge-offs (x) | 5.5421% | 3,240 |
| Efficiency ratio | 89.2435% | 901 |
| Assets per employee ($millions) | 3.4487% | 4,956 |
| Cash dividends to net income (ytd only)* | 107.7785% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 1,549 |
| Loan loss allowance to noncurrent loans | 108.8121% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 6.1743% | 217 |
| Noncurrent loans to loans | 1.7092% | 1,905 |
| Net loans and leases to total assets | 59.2879% | 3,890 |
| Net loans and leases to deposits | 68.1323% | 4,112 |
| Net loans and leases to core deposits | 70.1864% | 4,307 |
| Total domestic deposits to total assets | 87.0188% | 2,310 |
| Equity capital to assets | 10.4591% | 3,613 |
| Core capital (leverage) ratio | 10.3999% | 3,157 |
| Tier 1 risk-based capital ratio | 14.5428% | 3,861 |
| Total risk-based capital ratio | 15.7966% | 3,800 |
| Memoranda: | ||
| Average total assets | $302,530,500 | 2,158 |
| Average earning assets | $263,232,000 | 2,262 |
| Average equity | $30,356,250 | 2,263 |
| Average total loans | $183,687,750 | 2,193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,238 |
| Cost of funding earning assets | 0.7461% | 940 |
| Net interest margin | 3.3808% | 4,256 |
| Noninterest income to average assets | 0.8551% | 1,637 |
| Noninterest expense to average assets | 3.4012% | 1,676 |
| Loan and lease loss provision to assets | 0.1813% | 1,352 |
| Net operating income to assets | 0.1846% | 5,881 |
| Return on assets (ROA) | 0.2235% | 5,836 |
| Pretax return on assets | 0.2532% | 5,865 |
| Return on Equity (ROE) | 2.2589% | 5,775 |
| Retained earnings to average equity (ytd only) | -2.1723% | 6,016 |
| Net charge-offs to loans | 0.1799% | 1,956 |
| Credit loss provision to net charge-offs | 165.6627% | 1,361 |
| Earnings coverage of net charge-offs (x) | 3.5663% | 3,272 |
| Efficiency ratio | 89.7061% | 941 |
| Assets per employee ($millions) | 3.4353% | 4,985 |
| Cash dividends to net income (ytd only)* | 196.1652% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 1,901 |
| Loan loss allowance to noncurrent loans | 120.2132% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 6.1927% | 230 |
| Noncurrent loans to loans | 1.4796% | 2,346 |
| Net loans and leases to total assets | 59.7523% | 3,765 |
| Net loans and leases to deposits | 68.5736% | 3,986 |
| Net loans and leases to core deposits | 70.7142% | 4,191 |
| Total domestic deposits to total assets | 87.1360% | 2,380 |
| Equity capital to assets | 10.2303% | 3,787 |
| Core capital (leverage) ratio | 10.2993% | 3,214 |
| Tier 1 risk-based capital ratio | 14.4308% | 3,975 |
| Total risk-based capital ratio | 15.6517% | 3,930 |
| Memoranda: | ||
| Average total assets | $303,362,670 | 2,147 |
| Average earning assets | $263,489,670 | 2,256 |
| Average equity | $30,014,670 | 2,278 |
| Average total loans | $184,498,670 | 2,181 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 3,051 |
| Cost of funding earning assets | 0.7625% | 913 |
| Net interest margin | 3.3934% | 4,147 |
| Noninterest income to average assets | 0.8227% | 1,662 |
| Noninterest expense to average assets | 3.4776% | 1,532 |
| Loan and lease loss provision to assets | 0.1974% | 1,183 |
| Net operating income to assets | 0.1000% | 6,032 |
| Return on assets (ROA) | 0.1461% | 5,968 |
| Pretax return on assets | 0.1461% | 6,012 |
| Return on Equity (ROE) | 1.5021% | 5,926 |
| Retained earnings to average equity (ytd only) | -7.4970% | 6,268 |
| Net charge-offs to loans | 0.3485% | 1,028 |
| Credit loss provision to net charge-offs | 93.1677% | 1,772 |
| Earnings coverage of net charge-offs (x) | 1.4037% | 3,106 |
| Efficiency ratio | 92.1199% | 876 |
| Assets per employee ($millions) | 3.6231% | 4,675 |
| Cash dividends to net income (ytd only)* | 599.0991% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 2,243 |
| Loan loss allowance to noncurrent loans | 127.4676% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 5.7232% | 316 |
| Noncurrent loans to loans | 1.3584% | 2,766 |
| Net loans and leases to total assets | 58.7596% | 3,733 |
| Net loans and leases to deposits | 67.2085% | 3,945 |
| Net loans and leases to core deposits | 69.2824% | 4,172 |
| Total domestic deposits to total assets | 87.4289% | 2,545 |
| Equity capital to assets | 9.9632% | 3,885 |
| Core capital (leverage) ratio | 10.1850% | 3,309 |
| Tier 1 risk-based capital ratio | 14.8953% | 3,765 |
| Total risk-based capital ratio | 16.1435% | 3,725 |
| Memoranda: | ||
| Average total assets | $303,890,000 | 2,158 |
| Average earning assets | $264,396,500 | 2,256 |
| Average equity | $29,558,500 | 2,290 |
| Average total loans | $184,794,500 | 2,186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,605 |
| Cost of funding earning assets | 0.9160% | 677 |
| Net interest margin | 3.4803% | 3,987 |
| Noninterest income to average assets | 0.7457% | 2,310 |
| Noninterest expense to average assets | 3.0765% | 2,816 |
| Loan and lease loss provision to assets | 0.1744% | 2,119 |
| Net operating income to assets | 0.4578% | 4,918 |
| Return on assets (ROA) | 0.4718% | 4,999 |
| Pretax return on assets | 0.6249% | 4,789 |
| Return on Equity (ROE) | 5.0416% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.2299% | 3,931 |
| Net charge-offs to loans | 0.0576% | 4,421 |
| Credit loss provision to net charge-offs | 477.8761% | 484 |
| Earnings coverage of net charge-offs (x) | 21.3982% | 1,497 |
| Efficiency ratio | 79.7555% | 2,185 |
| Assets per employee ($millions) | 3.6124% | 4,651 |
| Cash dividends to net income (ytd only)* | 35.9343% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 2,445 |
| Loan loss allowance to noncurrent loans | 111.8105% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 5.6650% | 360 |
| Noncurrent loans to loans | 1.5074% | 2,636 |
| Net loans and leases to total assets | 60.7853% | 3,574 |
| Net loans and leases to deposits | 69.2052% | 3,886 |
| Net loans and leases to core deposits | 71.2492% | 4,159 |
| Total domestic deposits to total assets | 87.8335% | 2,283 |
| Equity capital to assets | 9.4895% | 4,442 |
| Core capital (leverage) ratio | 9.6975% | 3,987 |
| Tier 1 risk-based capital ratio | 14.4898% | 3,962 |
| Total risk-based capital ratio | 15.7379% | 3,900 |
| Memoranda: | ||
| Average total assets | $309,642,600 | 2,081 |
| Average earning assets | $276,844,000 | 2,134 |
| Average equity | $28,979,000 | 2,311 |
| Average total loans | $196,196,000 | 2,036 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,835 |
| Cost of funding earning assets | 0.9433% | 666 |
| Net interest margin | 3.3955% | 4,309 |
| Noninterest income to average assets | 0.7142% | 2,537 |
| Noninterest expense to average assets | 3.0017% | 2,988 |
| Loan and lease loss provision to assets | 0.1735% | 2,095 |
| Net operating income to assets | 0.4242% | 5,141 |
| Return on assets (ROA) | 0.4332% | 5,247 |
| Pretax return on assets | 0.5990% | 5,011 |
| Return on Equity (ROE) | 4.6442% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.8297% | 4,628 |
| Net charge-offs to loans | 0.0713% | 3,912 |
| Credit loss provision to net charge-offs | 382.0755% | 695 |
| Earnings coverage of net charge-offs (x) | 16.7358% | 1,779 |
| Efficiency ratio | 79.7950% | 2,132 |
| Assets per employee ($millions) | 3.7389% | 4,373 |
| Cash dividends to net income (ytd only)* | 39.0699% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 2,989 |
| Loan loss allowance to noncurrent loans | 161.6409% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 5.0588% | 546 |
| Noncurrent loans to loans | 0.9922% | 3,824 |
| Net loans and leases to total assets | 59.9837% | 3,693 |
| Net loans and leases to deposits | 68.0652% | 4,056 |
| Net loans and leases to core deposits | 69.9552% | 4,328 |
| Total domestic deposits to total assets | 88.1269% | 2,041 |
| Equity capital to assets | 9.2611% | 4,848 |
| Core capital (leverage) ratio | 9.5692% | 4,297 |
| Tier 1 risk-based capital ratio | 14.0570% | 4,384 |
| Total risk-based capital ratio | 15.2996% | 4,336 |
| Memoranda: | ||
| Average total assets | $311,193,250 | 2,077 |
| Average earning assets | $279,301,500 | 2,127 |
| Average equity | $29,025,000 | 2,332 |
| Average total loans | $198,342,750 | 2,012 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 2,518 |
| Cost of funding earning assets | 0.9880% | 572 |
| Net interest margin | 3.4245% | 4,091 |
| Noninterest income to average assets | 0.7339% | 2,480 |
| Noninterest expense to average assets | 2.9915% | 3,023 |
| Loan and lease loss provision to assets | 0.1734% | 2,173 |
| Net operating income to assets | 0.4696% | 4,927 |
| Return on assets (ROA) | 0.4829% | 5,049 |
| Pretax return on assets | 0.6768% | 4,754 |
| Return on Equity (ROE) | 5.1648% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.3791% | 4,172 |
| Net charge-offs to loans | 0.1073% | 3,285 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 11.9907% | 2,014 |
| Efficiency ratio | 78.2499% | 2,416 |
| Assets per employee ($millions) | 3.7513% | 4,297 |
| Cash dividends to net income (ytd only)* | 34.5745% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,826 |
| Loan loss allowance to noncurrent loans | 53.5688% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 3.6466% | 1,024 |
| Noncurrent loans to loans | 2.7004% | 1,688 |
| Net loans and leases to total assets | 63.3893% | 3,026 |
| Net loans and leases to deposits | 71.9018% | 3,460 |
| Net loans and leases to core deposits | 73.9550% | 3,817 |
| Total domestic deposits to total assets | 88.1610% | 2,131 |
| Equity capital to assets | 9.1820% | 5,015 |
| Core capital (leverage) ratio | 9.3393% | 4,483 |
| Tier 1 risk-based capital ratio | 13.4169% | 4,825 |
| Total risk-based capital ratio | 14.6677% | 4,783 |
| Memoranda: | ||
| Average total assets | $311,480,670 | 2,083 |
| Average earning assets | $280,979,330 | 2,124 |
| Average equity | $29,120,000 | 2,334 |
| Average total loans | $201,396,330 | 2,001 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 2,331 |
| Cost of funding earning assets | 1.0045% | 599 |
| Net interest margin | 3.4514% | 3,899 |
| Noninterest income to average assets | 0.7447% | 2,357 |
| Noninterest expense to average assets | 2.9877% | 3,029 |
| Loan and lease loss provision to assets | 0.1733% | 2,133 |
| Net operating income to assets | 0.4871% | 4,743 |
| Return on assets (ROA) | 0.5007% | 4,808 |
| Pretax return on assets | 0.7087% | 4,544 |
| Return on Equity (ROE) | 5.3087% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.5392% | 4,118 |
| Net charge-offs to loans | 0.2020% | 2,205 |
| Credit loss provision to net charge-offs | 132.3529% | 1,495 |
| Earnings coverage of net charge-offs (x) | 6.5882% | 2,196 |
| Efficiency ratio | 77.5925% | 2,677 |
| Assets per employee ($millions) | 3.9077% | 4,146 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,424 |
| Loan loss allowance to noncurrent loans | 43.2953% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 3.9464% | 1,020 |
| Noncurrent loans to loans | 3.1401% | 1,579 |
| Net loans and leases to total assets | 64.2213% | 2,664 |
| Net loans and leases to deposits | 73.0035% | 3,051 |
| Net loans and leases to core deposits | 75.0885% | 3,456 |
| Total domestic deposits to total assets | 87.9701% | 2,332 |
| Equity capital to assets | 9.4273% | 4,959 |
| Core capital (leverage) ratio | 9.4003% | 4,237 |
| Tier 1 risk-based capital ratio | 13.4050% | 4,935 |
| Total risk-based capital ratio | 14.6554% | 4,891 |
| Memoranda: | ||
| Average total assets | $311,541,000 | 2,108 |
| Average earning assets | $280,352,000 | 2,150 |
| Average equity | $29,385,500 | 2,344 |
| Average total loans | $201,961,500 | 2,016 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 2,662 |
| Cost of funding earning assets | 1.2055% | 559 |
| Net interest margin | 3.4785% | 4,589 |
| Noninterest income to average assets | 0.7214% | 2,619 |
| Noninterest expense to average assets | 2.9637% | 3,409 |
| Loan and lease loss provision to assets | 0.1634% | 3,572 |
| Net operating income to assets | 0.5185% | 4,613 |
| Return on assets (ROA) | 0.5408% | 4,771 |
| Pretax return on assets | 0.8006% | 4,294 |
| Return on Equity (ROE) | 6.0502% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.1573% | 2,599 |
| Net charge-offs to loans | 0.2725% | 3,299 |
| Credit loss provision to net charge-offs | 92.7176% | 3,357 |
| Earnings coverage of net charge-offs (x) | 5.2842% | 3,083 |
| Efficiency ratio | 76.0948% | 2,722 |
| Assets per employee ($millions) | 3.8330% | 4,302 |
| Cash dividends to net income (ytd only)* | 14.7569% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,329 |
| Loan loss allowance to noncurrent loans | 95.5959% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 3.0589% | 1,543 |
| Noncurrent loans to loans | 1.4277% | 3,456 |
| Net loans and leases to total assets | 63.6640% | 2,955 |
| Net loans and leases to deposits | 72.3729% | 3,351 |
| Net loans and leases to core deposits | 74.5305% | 3,716 |
| Total domestic deposits to total assets | 87.9666% | 2,261 |
| Equity capital to assets | 9.4373% | 4,952 |
| Core capital (leverage) ratio | 9.1611% | 4,642 |
| Tier 1 risk-based capital ratio | 12.7339% | 5,308 |
| Total risk-based capital ratio | 13.9361% | 5,276 |
| Memoranda: | ||
| Average total assets | $319,528,000 | 2,011 |
| Average earning assets | $291,501,600 | 2,033 |
| Average equity | $28,561,200 | 2,344 |
| Average total loans | $206,629,400 | 1,949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 2,775 |
| Cost of funding earning assets | 1.2391% | 578 |
| Net interest margin | 3.4694% | 4,763 |
| Noninterest income to average assets | 0.6903% | 2,754 |
| Noninterest expense to average assets | 2.9252% | 3,497 |
| Loan and lease loss provision to assets | 0.1326% | 3,889 |
| Net operating income to assets | 0.5535% | 4,608 |
| Return on assets (ROA) | 0.5672% | 4,806 |
| Pretax return on assets | 0.8241% | 4,396 |
| Return on Equity (ROE) | 6.4324% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.8451% | 2,795 |
| Net charge-offs to loans | -0.0359% | 6,623 |
| Credit loss provision to net charge-offs | -571.4286% | 6,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7429% | 2,711 |
| Assets per employee ($millions) | 3.8545% | 4,189 |
| Cash dividends to net income (ytd only)* | 9.1306% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,768 |
| Loan loss allowance to noncurrent loans | 103.9235% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 3.1392% | 1,650 |
| Noncurrent loans to loans | 1.4828% | 3,568 |
| Net loans and leases to total assets | 62.9490% | 3,215 |
| Net loans and leases to deposits | 71.2601% | 3,712 |
| Net loans and leases to core deposits | 73.4786% | 4,051 |
| Total domestic deposits to total assets | 88.3370% | 1,821 |
| Equity capital to assets | 9.1068% | 5,700 |
| Core capital (leverage) ratio | 9.0294% | 5,016 |
| Tier 1 risk-based capital ratio | 12.4161% | 5,694 |
| Total risk-based capital ratio | 13.6674% | 5,663 |
| Memoranda: | ||
| Average total assets | $321,792,750 | 2,021 |
| Average earning assets | $294,179,750 | 2,029 |
| Average equity | $28,376,500 | 2,376 |
| Average total loans | $208,188,750 | 1,953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 2,870 |
| Cost of funding earning assets | 1.2652% | 609 |
| Net interest margin | 3.4458% | 4,898 |
| Noninterest income to average assets | 0.6600% | 2,895 |
| Noninterest expense to average assets | 2.9236% | 3,528 |
| Loan and lease loss provision to assets | 0.1241% | 3,973 |
| Net operating income to assets | 0.5358% | 4,652 |
| Return on assets (ROA) | 0.5521% | 4,856 |
| Pretax return on assets | 0.7952% | 4,490 |
| Return on Equity (ROE) | 6.3292% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.3292% | 2,486 |
| Net charge-offs to loans | -0.0516% | 6,670 |
| Credit loss provision to net charge-offs | -370.3704% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5470% | 2,662 |
| Assets per employee ($millions) | 3.8731% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 4,268 |
| Loan loss allowance to noncurrent loans | 101.8830% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 2,845 |
| Noncurrent loans to loans | 1.4179% | 3,784 |
| Net loans and leases to total assets | 64.3025% | 2,967 |
| Net loans and leases to deposits | 72.6171% | 3,514 |
| Net loans and leases to core deposits | 74.8560% | 3,911 |
| Total domestic deposits to total assets | 88.5501% | 1,789 |
| Equity capital to assets | 8.9031% | 5,804 |
| Core capital (leverage) ratio | 8.7791% | 5,254 |
| Tier 1 risk-based capital ratio | 12.2234% | 5,774 |
| Total risk-based capital ratio | 13.4743% | 5,760 |
| Memoranda: | ||
| Average total assets | $322,414,670 | 2,009 |
| Average earning assets | $295,606,000 | 2,012 |
| Average equity | $28,123,670 | 2,380 |
| Average total loans | $209,404,000 | 1,945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 2,906 |
| Cost of funding earning assets | 1.3007% | 629 |
| Net interest margin | 3.4360% | 4,977 |
| Noninterest income to average assets | 0.7445% | 2,429 |
| Noninterest expense to average assets | 3.0116% | 3,199 |
| Loan and lease loss provision to assets | 0.1487% | 3,503 |
| Net operating income to assets | 0.5232% | 4,724 |
| Return on assets (ROA) | 0.5364% | 4,873 |
| Pretax return on assets | 0.7544% | 4,589 |
| Return on Equity (ROE) | 6.2135% | 4,181 |
| Retained earnings to average equity (ytd only) | 6.2135% | 2,835 |
| Net charge-offs to loans | -0.0057% | 5,816 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2973% | 2,602 |
| Assets per employee ($millions) | 3.8324% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,623 |
| Loan loss allowance to noncurrent loans | 104.1307% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.8701% | 3,090 |
| Noncurrent loans to loans | 1.3427% | 4,102 |
| Net loans and leases to total assets | 62.7607% | 3,108 |
| Net loans and leases to deposits | 70.6252% | 3,633 |
| Net loans and leases to core deposits | 74.4500% | 3,839 |
| Total domestic deposits to total assets | 88.8646% | 1,781 |
| Equity capital to assets | 8.6225% | 5,964 |
| Core capital (leverage) ratio | 8.6430% | 5,391 |
| Tier 1 risk-based capital ratio | 12.0857% | 5,902 |
| Total risk-based capital ratio | 13.3384% | 5,879 |
| Memoranda: | ||
| Average total assets | $322,886,500 | 2,016 |
| Average earning assets | $296,157,000 | 2,005 |
| Average equity | $27,875,000 | 2,398 |
| Average total loans | $209,234,000 | 1,955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 3,231 |
| Cost of funding earning assets | 1.6464% | 398 |
| Net interest margin | 3.2789% | 5,876 |
| Noninterest income to average assets | 0.6007% | 3,158 |
| Noninterest expense to average assets | 2.8475% | 4,174 |
| Loan and lease loss provision to assets | 0.1593% | 4,636 |
| Net operating income to assets | 0.4371% | 4,703 |
| Return on assets (ROA) | 0.4675% | 4,758 |
| Pretax return on assets | 0.6634% | 4,458 |
| Return on Equity (ROE) | 5.8229% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.3644% | 3,070 |
| Net charge-offs to loans | 0.2486% | 4,220 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.8925% | 2,952 |
| Efficiency ratio | 78.5130% | 2,524 |
| Assets per employee ($millions) | 3.7649% | 4,400 |
| Cash dividends to net income (ytd only)* | 25.0491% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,840 |
| Loan loss allowance to noncurrent loans | 138.8194% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 3,513 |
| Noncurrent loans to loans | 0.9468% | 4,808 |
| Net loans and leases to total assets | 65.1050% | 2,956 |
| Net loans and leases to deposits | 73.3435% | 3,612 |
| Net loans and leases to core deposits | 77.6749% | 3,722 |
| Total domestic deposits to total assets | 88.7673% | 1,679 |
| Equity capital to assets | 8.6438% | 5,967 |
| Core capital (leverage) ratio | 8.4509% | 5,638 |
| Tier 1 risk-based capital ratio | 11.7584% | 5,986 |
| Total risk-based capital ratio | 12.9443% | 6,014 |
| Memoranda: | ||
| Average total assets | $327,093,600 | 1,970 |
| Average earning assets | $301,869,400 | 1,944 |
| Average equity | $26,258,200 | 2,462 |
| Average total loans | $209,546,200 | 1,958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 3,388 |
| Cost of funding earning assets | 1.7006% | 393 |
| Net interest margin | 3.2385% | 6,053 |
| Noninterest income to average assets | 0.5895% | 3,237 |
| Noninterest expense to average assets | 2.8611% | 4,099 |
| Loan and lease loss provision to assets | 0.1622% | 4,442 |
| Net operating income to assets | 0.4008% | 4,999 |
| Return on assets (ROA) | 0.4452% | 4,998 |
| Pretax return on assets | 0.6227% | 4,734 |
| Return on Equity (ROE) | 5.6508% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.6797% | 4,130 |
| Net charge-offs to loans | 0.0472% | 5,515 |
| Credit loss provision to net charge-offs | 540.5405% | 509 |
| Earnings coverage of net charge-offs (x) | 24.0821% | 1,092 |
| Efficiency ratio | 79.8393% | 2,274 |
| Assets per employee ($millions) | 3.9671% | 3,925 |
| Cash dividends to net income (ytd only)* | 34.8814% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 4,118 |
| Loan loss allowance to noncurrent loans | 139.1207% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 4,411 |
| Noncurrent loans to loans | 1.0753% | 4,762 |
| Net loans and leases to total assets | 61.2766% | 3,888 |
| Net loans and leases to deposits | 68.6153% | 4,504 |
| Net loans and leases to core deposits | 70.8789% | 4,847 |
| Total domestic deposits to total assets | 89.3045% | 1,250 |
| Equity capital to assets | 8.1696% | 6,585 |
| Core capital (leverage) ratio | 8.2081% | 6,124 |
| Tier 1 risk-based capital ratio | 11.7222% | 6,085 |
| Total risk-based capital ratio | 12.9732% | 6,086 |
| Memoranda: | ||
| Average total assets | $328,862,000 | 1,970 |
| Average earning assets | $304,044,000 | 1,942 |
| Average equity | $25,907,250 | 2,492 |
| Average total loans | $209,151,750 | 1,985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 3,528 |
| Cost of funding earning assets | 1.7562% | 372 |
| Net interest margin | 3.1647% | 6,252 |
| Noninterest income to average assets | 0.5791% | 3,275 |
| Noninterest expense to average assets | 2.8918% | 4,053 |
| Loan and lease loss provision to assets | 0.1295% | 4,672 |
| Net operating income to assets | 0.3502% | 5,176 |
| Return on assets (ROA) | 0.3903% | 5,133 |
| Pretax return on assets | 0.5363% | 4,947 |
| Return on Equity (ROE) | 5.0180% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.0312% | 4,350 |
| Net charge-offs to loans | 0.0524% | 5,127 |
| Credit loss provision to net charge-offs | 385.4545% | 781 |
| Earnings coverage of net charge-offs (x) | 18.1818% | 1,271 |
| Efficiency ratio | 82.5602% | 2,019 |
| Assets per employee ($millions) | 3.8242% | 4,137 |
| Cash dividends to net income (ytd only)* | 39.5931% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 4,535 |
| Loan loss allowance to noncurrent loans | 533.0909% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 5,535 |
| Noncurrent loans to loans | 0.2640% | 6,399 |
| Net loans and leases to total assets | 63.1938% | 3,643 |
| Net loans and leases to deposits | 70.6681% | 4,344 |
| Net loans and leases to core deposits | 74.4879% | 4,511 |
| Total domestic deposits to total assets | 89.4234% | 1,286 |
| Equity capital to assets | 8.0315% | 6,660 |
| Core capital (leverage) ratio | 8.0885% | 6,184 |
| Tier 1 risk-based capital ratio | 11.5735% | 6,110 |
| Total risk-based capital ratio | 12.8186% | 6,106 |
| Memoranda: | ||
| Average total assets | $327,404,330 | 1,985 |
| Average earning assets | $302,464,670 | 1,958 |
| Average equity | $25,468,330 | 2,513 |
| Average total loans | $209,770,330 | 2,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 3,550 |
| Cost of funding earning assets | 1.7631% | 431 |
| Net interest margin | 3.1440% | 6,233 |
| Noninterest income to average assets | 0.5490% | 3,521 |
| Noninterest expense to average assets | 2.9363% | 3,912 |
| Loan and lease loss provision to assets | 0.1096% | 4,646 |
| Net operating income to assets | 0.2989% | 5,408 |
| Return on assets (ROA) | 0.3238% | 5,371 |
| Pretax return on assets | 0.4419% | 5,214 |
| Return on Equity (ROE) | 4.2308% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.2426% | 4,802 |
| Net charge-offs to loans | -0.0038% | 6,214 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0194% | 1,842 |
| Assets per employee ($millions) | 3.7790% | 4,348 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,821 |
| Loan loss allowance to noncurrent loans | 505.6437% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 5,716 |
| Noncurrent loans to loans | 0.2702% | 6,448 |
| Net loans and leases to total assets | 62.2442% | 3,800 |
| Net loans and leases to deposits | 69.2222% | 4,486 |
| Net loans and leases to core deposits | 73.0051% | 4,650 |
| Total domestic deposits to total assets | 89.9195% | 1,197 |
| Equity capital to assets | 7.6406% | 6,790 |
| Core capital (leverage) ratio | 8.1340% | 6,078 |
| Tier 1 risk-based capital ratio | 11.2739% | 6,282 |
| Total risk-based capital ratio | 12.4927% | 6,288 |
| Memoranda: | ||
| Average total assets | $328,578,000 | 1,992 |
| Average earning assets | $303,564,500 | 1,967 |
| Average equity | $25,149,000 | 2,528 |
| Average total loans | $210,481,500 | 2,007 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 2,929 |
| Cost of funding earning assets | 2.0735% | 470 |
| Net interest margin | 3.2674% | 6,081 |
| Noninterest income to average assets | 0.6526% | 3,135 |
| Noninterest expense to average assets | 2.8346% | 4,459 |
| Loan and lease loss provision to assets | 0.1489% | 5,706 |
| Net operating income to assets | 0.4447% | 4,342 |
| Return on assets (ROA) | 0.5095% | 4,210 |
| Pretax return on assets | 0.7919% | 3,665 |
| Return on Equity (ROE) | 6.3068% | 3,447 |
| Retained earnings to average equity (ytd only) | 4.3049% | 2,827 |
| Net charge-offs to loans | 0.1005% | 5,858 |
| Credit loss provision to net charge-offs | 211.3636% | 1,448 |
| Earnings coverage of net charge-offs (x) | 11.9182% | 1,556 |
| Efficiency ratio | 77.1483% | 2,849 |
| Assets per employee ($millions) | 3.6067% | 4,687 |
| Cash dividends to net income (ytd only)* | 31.7410% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,925 |
| Loan loss allowance to noncurrent loans | 273.1299% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 5,530 |
| Noncurrent loans to loans | 0.4813% | 6,074 |
| Net loans and leases to total assets | 64.1787% | 3,835 |
| Net loans and leases to deposits | 71.4549% | 4,614 |
| Net loans and leases to core deposits | 73.7388% | 5,009 |
| Total domestic deposits to total assets | 89.8171% | 1,201 |
| Equity capital to assets | 7.6675% | 6,770 |
| Core capital (leverage) ratio | 8.0549% | 6,110 |
| Tier 1 risk-based capital ratio | 11.2302% | 6,155 |
| Total risk-based capital ratio | 12.4108% | 6,183 |
| Memoranda: | ||
| Average total assets | $312,280,600 | 2,077 |
| Average earning assets | $288,792,600 | 2,053 |
| Average equity | $25,226,800 | 2,528 |
| Average total loans | $218,947,600 | 1,978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 2,949 |
| Cost of funding earning assets | 2.0932% | 549 |
| Net interest margin | 3.2915% | 6,044 |
| Noninterest income to average assets | 0.6498% | 3,122 |
| Noninterest expense to average assets | 2.8990% | 4,095 |
| Loan and lease loss provision to assets | 0.1164% | 5,863 |
| Net operating income to assets | 0.4654% | 4,462 |
| Return on assets (ROA) | 0.5049% | 4,483 |
| Pretax return on assets | 0.7378% | 4,125 |
| Return on Equity (ROE) | 6.1684% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.1667% | 3,544 |
| Net charge-offs to loans | 0.0157% | 6,461 |
| Credit loss provision to net charge-offs | 1,038.4615% | 286 |
| Earnings coverage of net charge-offs (x) | 70.9913% | 422 |
| Efficiency ratio | 78.4572% | 2,559 |
| Assets per employee ($millions) | 3.6780% | 4,552 |
| Cash dividends to net income (ytd only)* | 32.4507% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 5,138 |
| Loan loss allowance to noncurrent loans | 198.5684% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 6,188 |
| Noncurrent loans to loans | 0.6375% | 5,934 |
| Net loans and leases to total assets | 66.8507% | 3,500 |
| Net loans and leases to deposits | 74.7339% | 4,393 |
| Net loans and leases to core deposits | 77.1057% | 4,907 |
| Total domestic deposits to total assets | 89.4517% | 1,146 |
| Equity capital to assets | 8.0327% | 6,774 |
| Core capital (leverage) ratio | 8.2845% | 5,899 |
| Tier 1 risk-based capital ratio | 10.6240% | 6,690 |
| Total risk-based capital ratio | 11.7527% | 6,766 |
| Memoranda: | ||
| Average total assets | $309,200,000 | 2,137 |
| Average earning assets | $286,059,500 | 2,102 |
| Average equity | $25,311,250 | 2,561 |
| Average total loans | $220,909,250 | 1,992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 2,595 |
| Cost of funding earning assets | 2.1304% | 594 |
| Net interest margin | 3.3545% | 5,821 |
| Noninterest income to average assets | 0.5552% | 3,663 |
| Noninterest expense to average assets | 2.9233% | 3,991 |
| Loan and lease loss provision to assets | 0.1183% | 5,714 |
| Net operating income to assets | 0.4045% | 4,734 |
| Return on assets (ROA) | 0.4041% | 4,899 |
| Pretax return on assets | 0.6117% | 4,531 |
| Return on Equity (ROE) | 4.9039% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.9503% | 4,251 |
| Net charge-offs to loans | -0.0479% | 7,443 |
| Credit loss provision to net charge-offs | -339.6226% | 6,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0036% | 2,449 |
| Assets per employee ($millions) | 3.4426% | 5,062 |
| Cash dividends to net income (ytd only)* | 39.8374% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 5,111 |
| Loan loss allowance to noncurrent loans | 195.4031% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 6,161 |
| Noncurrent loans to loans | 0.6472% | 5,963 |
| Net loans and leases to total assets | 69.6229% | 2,985 |
| Net loans and leases to deposits | 78.0925% | 3,947 |
| Net loans and leases to core deposits | 79.9101% | 4,704 |
| Total domestic deposits to total assets | 89.1544% | 1,349 |
| Equity capital to assets | 8.2600% | 6,471 |
| Core capital (leverage) ratio | 8.3181% | 5,727 |
| Tier 1 risk-based capital ratio | 10.7379% | 6,491 |
| Total risk-based capital ratio | 11.9011% | 6,560 |
| Memoranda: | ||
| Average total assets | $304,379,000 | 2,175 |
| Average earning assets | $281,173,000 | 2,150 |
| Average equity | $25,082,000 | 2,579 |
| Average total loans | $221,497,330 | 2,009 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 2,569 |
| Cost of funding earning assets | 2.1529% | 681 |
| Net interest margin | 3.3492% | 5,791 |
| Noninterest income to average assets | 0.5675% | 3,504 |
| Noninterest expense to average assets | 2.8523% | 4,266 |
| Loan and lease loss provision to assets | 0.1193% | 5,397 |
| Net operating income to assets | 0.4544% | 4,597 |
| Return on assets (ROA) | 0.4535% | 4,728 |
| Pretax return on assets | 0.6869% | 4,282 |
| Return on Equity (ROE) | 5.5101% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.5768% | 4,007 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9348% | 2,912 |
| Assets per employee ($millions) | 3.4481% | 5,157 |
| Cash dividends to net income (ytd only)* | 35.0877% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,611 |
| Loan loss allowance to noncurrent loans | 182.5784% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 6,176 |
| Noncurrent loans to loans | 0.6456% | 6,033 |
| Net loans and leases to total assets | 72.3928% | 2,357 |
| Net loans and leases to deposits | 81.3998% | 3,387 |
| Net loans and leases to core deposits | 82.7711% | 4,386 |
| Total domestic deposits to total assets | 88.9349% | 1,549 |
| Equity capital to assets | 8.2523% | 6,368 |
| Core capital (leverage) ratio | 8.4320% | 5,496 |
| Tier 1 risk-based capital ratio | 10.4535% | 6,672 |
| Total risk-based capital ratio | 11.5361% | 6,808 |
| Memoranda: | ||
| Average total assets | $301,652,500 | 2,241 |
| Average earning assets | $278,511,500 | 2,222 |
| Average equity | $24,827,000 | 2,626 |
| Average total loans | $223,007,500 | 2,051 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 2,744 |
| Cost of funding earning assets | 2.5269% | 959 |
| Net interest margin | 3.2523% | 5,917 |
| Noninterest income to average assets | 0.6084% | 3,562 |
| Noninterest expense to average assets | 2.8852% | 4,589 |
| Loan and lease loss provision to assets | 0.1250% | 6,390 |
| Net operating income to assets | 0.4490% | 3,930 |
| Return on assets (ROA) | 0.4559% | 4,029 |
| Pretax return on assets | 0.6139% | 3,869 |
| Return on Equity (ROE) | 5.4439% | 3,456 |
| Retained earnings to average equity (ytd only) | 2.8609% | 3,176 |
| Net charge-offs to loans | 0.1581% | 5,693 |
| Credit loss provision to net charge-offs | 107.7844% | 5,140 |
| Earnings coverage of net charge-offs (x) | 6.2904% | 2,398 |
| Efficiency ratio | 79.8175% | 2,916 |
| Assets per employee ($millions) | 3.4869% | 5,033 |
| Cash dividends to net income (ytd only)* | 47.4486% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,746 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 5,841 |
| Noncurrent loans to loans | 0.6168% | 6,010 |
| Net loans and leases to total assets | 73.7652% | 2,323 |
| Net loans and leases to deposits | 82.7911% | 3,485 |
| Net loans and leases to core deposits | 103.1605% | 3,669 |
| Total domestic deposits to total assets | 89.0981% | 1,438 |
| Equity capital to assets | 8.2081% | 6,334 |
| Core capital (leverage) ratio | 8.1932% | 5,819 |
| Tier 1 risk-based capital ratio | 10.5046% | 6,395 |
| Total risk-based capital ratio | 11.5653% | 6,545 |
| Memoranda: | ||
| Average total assets | $287,984,000 | 2,290 |
| Average earning assets | $266,214,600 | 2,273 |
| Average equity | $24,118,600 | 2,709 |
| Average total loans | $211,196,800 | 2,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7618% | 3,053 |
| Cost of funding earning assets | 2.5709% | 1,103 |
| Net interest margin | 3.1909% | 6,054 |
| Noninterest income to average assets | 0.5843% | 3,820 |
| Noninterest expense to average assets | 2.9476% | 4,241 |
| Loan and lease loss provision to assets | 0.1263% | 6,088 |
| Net operating income to assets | 0.3279% | 4,684 |
| Return on assets (ROA) | 0.3359% | 4,751 |
| Pretax return on assets | 0.4730% | 4,608 |
| Return on Equity (ROE) | 3.9897% | 4,378 |
| Retained earnings to average equity (ytd only) | 1.1947% | 4,655 |
| Net charge-offs to loans | 0.1692% | 5,040 |
| Credit loss provision to net charge-offs | 102.2727% | 4,974 |
| Earnings coverage of net charge-offs (x) | 4.7614% | 3,019 |
| Efficiency ratio | 83.3686% | 2,374 |
| Assets per employee ($millions) | 3.5476% | 4,817 |
| Cash dividends to net income (ytd only)* | 70.0557% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,423 |
| Loan loss allowance to noncurrent loans | 139.5220% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 5,707 |
| Noncurrent loans to loans | 0.8226% | 5,652 |
| Net loans and leases to total assets | 70.0443% | 3,506 |
| Net loans and leases to deposits | 80.0510% | 4,378 |
| Net loans and leases to core deposits | 100.4493% | 4,325 |
| Total domestic deposits to total assets | 87.4996% | 1,887 |
| Equity capital to assets | 7.8723% | 6,968 |
| Core capital (leverage) ratio | 8.1758% | 6,059 |
| Tier 1 risk-based capital ratio | 9.7559% | 7,182 |
| Total risk-based capital ratio | 10.7555% | 7,331 |
| Memoranda: | ||
| Average total assets | $285,011,750 | 2,326 |
| Average earning assets | $263,614,250 | 2,307 |
| Average equity | $23,994,750 | 2,756 |
| Average total loans | $208,063,000 | 2,238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8456% | 2,828 |
| Cost of funding earning assets | 2.5874% | 1,322 |
| Net interest margin | 3.2582% | 5,705 |
| Noninterest income to average assets | 0.5405% | 4,107 |
| Noninterest expense to average assets | 2.9495% | 4,293 |
| Loan and lease loss provision to assets | 0.1299% | 5,801 |
| Net operating income to assets | 0.3224% | 4,799 |
| Return on assets (ROA) | 0.3341% | 4,858 |
| Pretax return on assets | 0.4893% | 4,659 |
| Return on Equity (ROE) | 3.8754% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.5022% | 5,006 |
| Net charge-offs to loans | 0.2386% | 3,999 |
| Credit loss provision to net charge-offs | 73.7705% | 5,346 |
| Earnings coverage of net charge-offs (x) | 3.4180% | 3,445 |
| Efficiency ratio | 83.0522% | 2,598 |
| Assets per employee ($millions) | 3.2222% | 5,528 |
| Cash dividends to net income (ytd only)* | 87.0410% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,271 |
| Loan loss allowance to noncurrent loans | 559.6330% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,754 |
| Noncurrent loans to loans | 0.2054% | 6,996 |
| Net loans and leases to total assets | 72.3419% | 3,130 |
| Net loans and leases to deposits | 83.2842% | 4,000 |
| Net loans and leases to core deposits | 105.1095% | 3,946 |
| Total domestic deposits to total assets | 86.8615% | 2,326 |
| Equity capital to assets | 8.2481% | 6,417 |
| Core capital (leverage) ratio | 8.6470% | 5,185 |
| Tier 1 risk-based capital ratio | 10.4919% | 6,386 |
| Total risk-based capital ratio | 11.5451% | 6,535 |
| Memoranda: | ||
| Average total assets | $277,136,000 | 2,402 |
| Average earning assets | $256,089,330 | 2,390 |
| Average equity | $23,894,000 | 2,766 |
| Average total loans | $204,519,330 | 2,302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 2,568 |
| Cost of funding earning assets | 2.6188% | 1,502 |
| Net interest margin | 3.3305% | 5,396 |
| Noninterest income to average assets | 0.5689% | 3,765 |
| Noninterest expense to average assets | 2.9272% | 4,065 |
| Loan and lease loss provision to assets | 0.1330% | 5,257 |
| Net operating income to assets | 0.3947% | 4,877 |
| Return on assets (ROA) | 0.4049% | 5,020 |
| Pretax return on assets | 0.5866% | 4,797 |
| Return on Equity (ROE) | 4.5893% | 4,666 |
| Retained earnings to average equity (ytd only) | 0.5695% | 5,433 |
| Net charge-offs to loans | 0.0638% | 4,570 |
| Credit loss provision to net charge-offs | 281.2500% | 1,713 |
| Earnings coverage of net charge-offs (x) | 14.9063% | 1,637 |
| Efficiency ratio | 80.5940% | 2,727 |
| Assets per employee ($millions) | 3.0958% | 5,900 |
| Cash dividends to net income (ytd only)* | 87.5912% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,256 |
| Loan loss allowance to noncurrent loans | 781.0976% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 6,709 |
| Noncurrent loans to loans | 0.1630% | 7,064 |
| Net loans and leases to total assets | 72.9420% | 3,016 |
| Net loans and leases to deposits | 84.8667% | 3,841 |
| Net loans and leases to core deposits | 105.8779% | 3,935 |
| Total domestic deposits to total assets | 85.9488% | 2,754 |
| Equity capital to assets | 8.7867% | 5,642 |
| Core capital (leverage) ratio | 8.8534% | 4,907 |
| Tier 1 risk-based capital ratio | 11.2255% | 5,672 |
| Total risk-based capital ratio | 12.4383% | 5,627 |
| Memoranda: | ||
| Average total assets | $270,706,500 | 2,455 |
| Average earning assets | $248,970,500 | 2,457 |
| Average equity | $23,881,500 | 2,783 |
| Average total loans | $200,665,000 | 2,359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1517% | 4,770 |
| Cost of funding earning assets | 2.8966% | 2,278 |
| Net interest margin | 3.2551% | 6,196 |
| Noninterest income to average assets | 0.6331% | 3,610 |
| Noninterest expense to average assets | 2.9837% | 4,141 |
| Loan and lease loss provision to assets | 0.0942% | 6,182 |
| Net operating income to assets | 0.4133% | 5,101 |
| Return on assets (ROA) | 0.4109% | 4,924 |
| Pretax return on assets | 0.5385% | 4,886 |
| Return on Equity (ROE) | 4.4269% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.7632% | 4,149 |
| Net charge-offs to loans | -0.0078% | 7,828 |
| Credit loss provision to net charge-offs | -1,846.1538% | 7,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4333% | 2,248 |
| Assets per employee ($millions) | 3.0917% | 5,796 |
| Cash dividends to net income (ytd only)* | 60.1719% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,118 |
| Loan loss allowance to noncurrent loans | 596.1905% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 6,387 |
| Noncurrent loans to loans | 0.2099% | 6,758 |
| Net loans and leases to total assets | 73.4426% | 3,250 |
| Net loans and leases to deposits | 89.7284% | 3,501 |
| Net loans and leases to core deposits | 111.8271% | 3,580 |
| Total domestic deposits to total assets | 81.8500% | 4,261 |
| Equity capital to assets | 8.8575% | 5,553 |
| Core capital (leverage) ratio | 8.9448% | 4,822 |
| Tier 1 risk-based capital ratio | 11.6872% | 5,067 |
| Total risk-based capital ratio | 12.9128% | 4,984 |
| Memoranda: | ||
| Average total assets | $254,787,000 | 2,511 |
| Average earning assets | $233,755,400 | 2,522 |
| Average equity | $23,650,600 | 2,772 |
| Average total loans | $167,549,000 | 2,652 |